Home > Bank of the Mountains, Inc. > Performance and Condition Ratios
Bank of the Mountains, Inc., Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2074% | 932 |
| Cost of funding earning assets | 1.1618% | 3,800 |
| Net interest margin | 5.0456% | 272 |
| Noninterest income to average assets | 0.6900% | 1,078 |
| Noninterest expense to average assets | 3.7605% | 446 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | 1.0817% | 2,053 |
| Return on assets (ROA) | 1.0817% | 2,056 |
| Pretax return on assets | 1.4565% | 1,609 |
| Return on Equity (ROE) | 11.1400% | 1,979 |
| Retained earnings to average equity (ytd only) | 6.5344% | 2,137 |
| Net charge-offs to loans | 0.0757% | 969 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 28.5000% | 1,271 |
| Efficiency ratio | 72.0816% | 1,613 |
| Assets per employee ($millions) | 3.8058% | 4,150 |
| Cash dividends to net income (ytd only)* | 41.3386% | 1,441 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4104% | 1,268 |
| Loan loss allowance to noncurrent loans | 133.7719% | 2,618 |
| Noncurrent assets plus other real estate owned to assets | 0.7631% | 995 |
| Noncurrent loans to loans | 1.0543% | 1,007 |
| Net loans and leases to total assets | 67.2300% | 2,158 |
| Net loans and leases to deposits | 76.2621% | 2,386 |
| Net loans and leases to core deposits | 83.3303% | 2,508 |
| Total domestic deposits to total assets | 88.1500% | 1,507 |
| Equity capital to assets | 9.6874% | 2,439 |
| Core capital (leverage) ratio | 9.7833% | 3,010 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6524% | 1,344 |
| Memoranda: | ||
| Average total assets | $93,923,500 | 3,825 |
| Average earning assets | $84,351,000 | 3,830 |
| Average equity | $9,121,000 | 3,863 |
| Average total loans | $63,431,000 | 3,662 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9193% | 1,408 |
| Cost of funding earning assets | 0.9474% | 4,068 |
| Net interest margin | 4.9719% | 347 |
| Noninterest income to average assets | 0.8200% | 883 |
| Noninterest expense to average assets | 3.8520% | 423 |
| Loan and lease loss provision to assets | 0.2200% | 596 |
| Net operating income to assets | 0.9023% | 2,372 |
| Return on assets (ROA) | 0.9023% | 2,376 |
| Pretax return on assets | 1.1987% | 1,989 |
| Return on Equity (ROE) | 9.1900% | 2,410 |
| Retained earnings to average equity (ytd only) | 3.0979% | 3,007 |
| Net charge-offs to loans | 0.1220% | 1,033 |
| Credit loss provision to net charge-offs | 263.5135% | 958 |
| Earnings coverage of net charge-offs (x) | 17.1216% | 1,948 |
| Efficiency ratio | 73.1112% | 1,652 |
| Assets per employee ($millions) | 3.7081% | 4,173 |
| Cash dividends to net income (ytd only)* | 66.2949% | 940 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4955% | 1,030 |
| Loan loss allowance to noncurrent loans | 128.9291% | 2,710 |
| Noncurrent assets plus other real estate owned to assets | 0.8220% | 872 |
| Noncurrent loans to loans | 1.1599% | 867 |
| Net loans and leases to total assets | 65.8700% | 2,372 |
| Net loans and leases to deposits | 74.7045% | 2,587 |
| Net loans and leases to core deposits | 81.5174% | 2,663 |
| Total domestic deposits to total assets | 88.1700% | 1,448 |
| Equity capital to assets | 9.7354% | 2,285 |
| Core capital (leverage) ratio | 9.8957% | 2,848 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5484% | 1,377 |
| Memoranda: | ||
| Average total assets | $89,433,600 | 3,869 |
| Average earning assets | $80,010,000 | 3,872 |
| Average equity | $8,780,000 | 3,893 |
| Average total loans | $60,675,800 | 3,681 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8420% | 1,479 |
| Cost of funding earning assets | 0.9082% | 4,118 |
| Net interest margin | 4.9338% | 362 |
| Noninterest income to average assets | 0.7500% | 990 |
| Noninterest expense to average assets | 3.9239% | 384 |
| Loan and lease loss provision to assets | 0.0700% | 1,666 |
| Net operating income to assets | 0.8742% | 2,461 |
| Return on assets (ROA) | 0.8742% | 2,466 |
| Pretax return on assets | 1.1615% | 2,085 |
| Return on Equity (ROE) | 8.8800% | 2,500 |
| Retained earnings to average equity (ytd only) | 0.7034% | 3,804 |
| Net charge-offs to loans | 0.0994% | 991 |
| Credit loss provision to net charge-offs | 100.0000% | 1,657 |
| Earnings coverage of net charge-offs (x) | 18.1556% | 1,817 |
| Efficiency ratio | 76.1460% | 1,386 |
| Assets per employee ($millions) | 3.4520% | 4,252 |
| Cash dividends to net income (ytd only)* | 92.0826% | 333 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3075% | 1,687 |
| Loan loss allowance to noncurrent loans | 102.6752% | 2,984 |
| Noncurrent assets plus other real estate owned to assets | 0.9237% | 732 |
| Noncurrent loans to loans | 1.2734% | 782 |
| Net loans and leases to total assets | 67.7900% | 2,107 |
| Net loans and leases to deposits | 77.2022% | 2,415 |
| Net loans and leases to core deposits | 84.2263% | 2,552 |
| Total domestic deposits to total assets | 87.8100% | 1,307 |
| Equity capital to assets | 9.8406% | 2,397 |
| Core capital (leverage) ratio | 9.9912% | 2,844 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2838% | 1,467 |
| Memoranda: | ||
| Average total assets | $88,616,250 | 3,893 |
| Average earning assets | $79,125,750 | 3,901 |
| Average equity | $8,718,750 | 3,909 |
| Average total loans | $60,348,250 | 3,695 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7048% | 1,595 |
| Cost of funding earning assets | 0.8619% | 4,139 |
| Net interest margin | 4.8429% | 401 |
| Noninterest income to average assets | 0.7500% | 976 |
| Noninterest expense to average assets | 3.8600% | 407 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 0.9089% | 2,282 |
| Return on assets (ROA) | 0.9089% | 2,285 |
| Pretax return on assets | 1.2308% | 1,865 |
| Return on Equity (ROE) | 9.2400% | 2,388 |
| Retained earnings to average equity (ytd only) | -0.0922% | 3,926 |
| Net charge-offs to loans | 0.0501% | 1,289 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 36.2000% | 1,301 |
| Efficiency ratio | 75.8237% | 1,479 |
| Assets per employee ($millions) | 3.7481% | 4,213 |
| Cash dividends to net income (ytd only)* | 100.9975% | 360 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3008% | 1,731 |
| Loan loss allowance to noncurrent loans | 92.8404% | 3,139 |
| Noncurrent assets plus other real estate owned to assets | 1.0250% | 578 |
| Noncurrent loans to loans | 1.4011% | 632 |
| Net loans and leases to total assets | 66.7200% | 2,268 |
| Net loans and leases to deposits | 75.7602% | 2,563 |
| Net loans and leases to core deposits | 81.2437% | 2,732 |
| Total domestic deposits to total assets | 88.0700% | 1,306 |
| Equity capital to assets | 9.6582% | 2,300 |
| Core capital (leverage) ratio | 9.8340% | 2,953 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9484% | 1,534 |
| Memoranda: | ||
| Average total assets | $88,238,000 | 3,915 |
| Average earning assets | $79,126,000 | 3,911 |
| Average equity | $8,681,000 | 3,901 |
| Average total loans | $59,915,667 | 3,717 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6437% | 1,551 |
| Cost of funding earning assets | 0.8281% | 4,149 |
| Net interest margin | 4.8155% | 403 |
| Noninterest income to average assets | 0.8900% | 685 |
| Noninterest expense to average assets | 3.9964% | 364 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 0.9476% | 2,098 |
| Return on assets (ROA) | 0.9476% | 2,112 |
| Pretax return on assets | 1.2039% | 1,886 |
| Return on Equity (ROE) | 9.5400% | 2,253 |
| Retained earnings to average equity (ytd only) | 4.7018% | 2,498 |
| Net charge-offs to loans | 0.0673% | 916 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 26.3000% | 1,222 |
| Efficiency ratio | 76.8486% | 1,465 |
| Assets per employee ($millions) | 3.5492% | 4,265 |
| Cash dividends to net income (ytd only)* | 50.7246% | 1,266 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3383% | 1,614 |
| Loan loss allowance to noncurrent loans | 93.9858% | 3,198 |
| Noncurrent assets plus other real estate owned to assets | 1.0132% | 565 |
| Noncurrent loans to loans | 1.4239% | 573 |
| Net loans and leases to total assets | 66.2200% | 2,217 |
| Net loans and leases to deposits | 75.3025% | 2,488 |
| Net loans and leases to core deposits | 80.2680% | 2,708 |
| Total domestic deposits to total assets | 87.9400% | 1,445 |
| Equity capital to assets | 9.8625% | 2,090 |
| Core capital (leverage) ratio | 10.3647% | 2,429 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2735% | 1,461 |
| Memoranda: | ||
| Average total assets | $87,379,500 | 3,942 |
| Average earning assets | $78,247,000 | 3,941 |
| Average equity | $8,677,500 | 3,916 |
| Average total loans | $59,469,000 | 3,732 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5695% | 1,077 |
| Cost of funding earning assets | 0.5975% | 4,074 |
| Net interest margin | 4.9720% | 330 |
| Noninterest income to average assets | 0.7400% | 1,086 |
| Noninterest expense to average assets | 4.0262% | 361 |
| Loan and lease loss provision to assets | 0.1300% | 985 |
| Net operating income to assets | 0.7797% | 2,937 |
| Return on assets (ROA) | 0.7797% | 2,921 |
| Pretax return on assets | 1.0388% | 2,564 |
| Return on Equity (ROE) | 8.3800% | 2,922 |
| Retained earnings to average equity (ytd only) | 2.1701% | 3,544 |
| Net charge-offs to loans | 0.0660% | 1,190 |
| Credit loss provision to net charge-offs | 310.8108% | 929 |
| Earnings coverage of net charge-offs (x) | 28.1351% | 1,667 |
| Efficiency ratio | 77.5162% | 1,112 |
| Assets per employee ($millions) | 3.4412% | 4,302 |
| Cash dividends to net income (ytd only)* | 74.1007% | 728 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3573% | 1,555 |
| Loan loss allowance to noncurrent loans | 202.5126% | 2,498 |
| Noncurrent assets plus other real estate owned to assets | 0.5359% | 1,042 |
| Noncurrent loans to loans | 0.6702% | 1,170 |
| Net loans and leases to total assets | 68.0900% | 2,025 |
| Net loans and leases to deposits | 77.5888% | 2,307 |
| Net loans and leases to core deposits | 82.8766% | 2,531 |
| Total domestic deposits to total assets | 87.7600% | 1,431 |
| Equity capital to assets | 10.0013% | 2,009 |
| Core capital (leverage) ratio | 10.0357% | 2,755 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6724% | 1,356 |
| Memoranda: | ||
| Average total assets | $89,141,600 | 3,924 |
| Average earning assets | $79,827,000 | 3,931 |
| Average equity | $8,294,400 | 3,900 |
| Average total loans | $56,092,200 | 3,759 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4424% | 1,079 |
| Cost of funding earning assets | 0.5522% | 4,057 |
| Net interest margin | 4.8902% | 359 |
| Noninterest income to average assets | 0.7400% | 1,065 |
| Noninterest expense to average assets | 3.9961% | 360 |
| Loan and lease loss provision to assets | 0.0100% | 2,772 |
| Net operating income to assets | 0.8259% | 2,946 |
| Return on assets (ROA) | 0.8259% | 2,930 |
| Pretax return on assets | 1.1150% | 2,524 |
| Return on Equity (ROE) | 9.0400% | 2,916 |
| Retained earnings to average equity (ytd only) | 1.0871% | 3,933 |
| Net charge-offs to loans | 0.0893% | 855 |
| Credit loss provision to net charge-offs | 21.6216% | 2,006 |
| Earnings coverage of net charge-offs (x) | 20.5405% | 1,803 |
| Efficiency ratio | 78.0029% | 1,013 |
| Assets per employee ($millions) | 3.3149% | 4,358 |
| Cash dividends to net income (ytd only)* | 87.9713% | 349 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2275% | 2,232 |
| Loan loss allowance to noncurrent loans | 178.7724% | 2,634 |
| Noncurrent assets plus other real estate owned to assets | 0.5475% | 1,066 |
| Noncurrent loans to loans | 0.6866% | 1,201 |
| Net loans and leases to total assets | 62.8400% | 2,579 |
| Net loans and leases to deposits | 71.1287% | 2,765 |
| Net loans and leases to core deposits | 76.0345% | 2,863 |
| Total domestic deposits to total assets | 88.3500% | 1,460 |
| Equity capital to assets | 9.3494% | 2,197 |
| Core capital (leverage) ratio | 9.4436% | 3,359 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3304% | 1,463 |
| Memoranda: | ||
| Average total assets | $89,919,750 | 3,928 |
| Average earning assets | $80,648,500 | 3,941 |
| Average equity | $8,217,000 | 3,911 |
| Average total loans | $55,269,250 | 3,777 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3443% | 1,021 |
| Cost of funding earning assets | 0.4958% | 3,989 |
| Net interest margin | 4.8485% | 375 |
| Noninterest income to average assets | 0.7300% | 1,027 |
| Noninterest expense to average assets | 3.8819% | 372 |
| Loan and lease loss provision to assets | 0.0300% | 2,254 |
| Net operating income to assets | 0.8550% | 2,906 |
| Return on assets (ROA) | 0.8550% | 2,907 |
| Pretax return on assets | 1.1548% | 2,492 |
| Return on Equity (ROE) | 9.4300% | 2,854 |
| Retained earnings to average equity (ytd only) | 0.4898% | 3,987 |
| Net charge-offs to loans | 0.0695% | 866 |
| Credit loss provision to net charge-offs | 78.9474% | 1,556 |
| Earnings coverage of net charge-offs (x) | 28.1579% | 1,583 |
| Efficiency ratio | 76.5659% | 1,127 |
| Assets per employee ($millions) | 3.3334% | 4,378 |
| Cash dividends to net income (ytd only)* | 94.8052% | 374 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3014% | 1,928 |
| Loan loss allowance to noncurrent loans | 174.4578% | 2,761 |
| Noncurrent assets plus other real estate owned to assets | 0.5266% | 1,032 |
| Noncurrent loans to loans | 0.7460% | 1,013 |
| Net loans and leases to total assets | 61.0100% | 2,674 |
| Net loans and leases to deposits | 68.8105% | 2,871 |
| Net loans and leases to core deposits | 73.4880% | 2,927 |
| Total domestic deposits to total assets | 88.6600% | 1,363 |
| Equity capital to assets | 9.1730% | 2,394 |
| Core capital (leverage) ratio | 9.6768% | 3,070 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7220% | 1,379 |
| Memoranda: | ||
| Average total assets | $90,058,667 | 3,940 |
| Average earning assets | $80,684,333 | 3,963 |
| Average equity | $8,166,667 | 3,935 |
| Average total loans | $54,711,000 | 3,797 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1949% | 958 |
| Cost of funding earning assets | 0.4172% | 3,917 |
| Net interest margin | 4.7778% | 387 |
| Noninterest income to average assets | 0.7600% | 945 |
| Noninterest expense to average assets | 3.8718% | 389 |
| Loan and lease loss provision to assets | 0.0300% | 2,084 |
| Net operating income to assets | 0.8348% | 3,074 |
| Return on assets (ROA) | 0.8348% | 3,032 |
| Pretax return on assets | 1.1278% | 2,636 |
| Return on Equity (ROE) | 9.2600% | 2,979 |
| Retained earnings to average equity (ytd only) | -8.7171% | 4,449 |
| Net charge-offs to loans | 0.0221% | 1,240 |
| Credit loss provision to net charge-offs | 233.3333% | 769 |
| Earnings coverage of net charge-offs (x) | 87.0000% | 854 |
| Efficiency ratio | 76.9638% | 1,084 |
| Assets per employee ($millions) | 3.3032% | 4,452 |
| Cash dividends to net income (ytd only)* | 194.1489% | 156 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3245% | 1,924 |
| Loan loss allowance to noncurrent loans | 148.0808% | 2,983 |
| Noncurrent assets plus other real estate owned to assets | 0.7389% | 660 |
| Noncurrent loans to loans | 0.8944% | 845 |
| Net loans and leases to total assets | 61.2300% | 2,538 |
| Net loans and leases to deposits | 68.8607% | 2,707 |
| Net loans and leases to core deposits | 73.5617% | 2,710 |
| Total domestic deposits to total assets | 88.9200% | 1,573 |
| Equity capital to assets | 9.0607% | 2,469 |
| Core capital (leverage) ratio | 9.4884% | 3,219 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8436% | 1,409 |
| Memoranda: | ||
| Average total assets | $90,086,500 | 3,994 |
| Average earning assets | $80,540,000 | 4,012 |
| Average equity | $8,122,000 | 3,988 |
| Average total loans | $54,250,500 | 3,845 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8514% | 392 |
| Cost of funding earning assets | 0.3813% | 2,249 |
| Net interest margin | 4.4701% | 310 |
| Noninterest income to average assets | 0.7300% | 1,185 |
| Noninterest expense to average assets | 3.7478% | 401 |
| Loan and lease loss provision to assets | 0.0600% | 1,752 |
| Net operating income to assets | 0.6995% | 3,621 |
| Return on assets (ROA) | 0.6995% | 3,571 |
| Pretax return on assets | 0.9338% | 3,261 |
| Return on Equity (ROE) | 7.5700% | 3,496 |
| Retained earnings to average equity (ytd only) | 2.0580% | 3,964 |
| Net charge-offs to loans | 0.2636% | 302 |
| Credit loss provision to net charge-offs | 35.2113% | 1,877 |
| Earnings coverage of net charge-offs (x) | 6.1620% | 2,345 |
| Efficiency ratio | 79.0970% | 781 |
| Assets per employee ($millions) | 3.4995% | 4,436 |
| Cash dividends to net income (ytd only)* | 72.8155% | 596 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3695% | 1,606 |
| Loan loss allowance to noncurrent loans | 226.7913% | 2,510 |
| Noncurrent assets plus other real estate owned to assets | 0.7485% | 629 |
| Noncurrent loans to loans | 0.6039% | 1,237 |
| Net loans and leases to total assets | 57.6200% | 2,855 |
| Net loans and leases to deposits | 64.6326% | 2,984 |
| Net loans and leases to core deposits | 69.1643% | 2,933 |
| Total domestic deposits to total assets | 89.1600% | 1,679 |
| Equity capital to assets | 8.9717% | 2,373 |
| Core capital (leverage) ratio | 9.6204% | 3,027 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7497% | 1,711 |
| Memoranda: | ||
| Average total assets | $88,344,600 | 4,032 |
| Average earning assets | $79,193,400 | 4,044 |
| Average equity | $8,163,400 | 4,086 |
| Average total loans | $53,862,800 | 3,837 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7288% | 335 |
| Cost of funding earning assets | 0.3725% | 1,500 |
| Net interest margin | 4.3563% | 300 |
| Noninterest income to average assets | 0.7000% | 1,324 |
| Noninterest expense to average assets | 3.7406% | 394 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.6447% | 3,710 |
| Return on assets (ROA) | 0.6447% | 3,667 |
| Pretax return on assets | 0.8743% | 3,402 |
| Return on Equity (ROE) | 6.9200% | 3,608 |
| Retained earnings to average equity (ytd only) | -0.4246% | 4,379 |
| Net charge-offs to loans | 0.2221% | 309 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 6.3889% | 2,111 |
| Efficiency ratio | 81.0544% | 709 |
| Assets per employee ($millions) | 3.4187% | 4,494 |
| Cash dividends to net income (ytd only)* | 106.1321% | 196 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3511% | 1,801 |
| Loan loss allowance to noncurrent loans | 110.1056% | 3,291 |
| Noncurrent assets plus other real estate owned to assets | 0.9056% | 526 |
| Noncurrent loans to loans | 1.2271% | 596 |
| Net loans and leases to total assets | 59.9600% | 2,507 |
| Net loans and leases to deposits | 66.7364% | 2,653 |
| Net loans and leases to core deposits | 71.5085% | 2,528 |
| Total domestic deposits to total assets | 89.8500% | 1,724 |
| Equity capital to assets | 8.8663% | 2,308 |
| Core capital (leverage) ratio | 9.5241% | 3,046 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5918% | 1,263 |
| Memoranda: | ||
| Average total assets | $87,684,250 | 4,070 |
| Average earning assets | $78,749,000 | 4,078 |
| Average equity | $8,163,500 | 4,121 |
| Average total loans | $54,039,000 | 3,857 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6054% | 305 |
| Cost of funding earning assets | 0.3774% | 1,064 |
| Net interest margin | 4.2280% | 315 |
| Noninterest income to average assets | 0.6691% | 1,466 |
| Noninterest expense to average assets | 3.6571% | 372 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.6003% | 3,624 |
| Return on assets (ROA) | 0.6003% | 3,569 |
| Pretax return on assets | 0.8112% | 3,295 |
| Return on Equity (ROE) | 6.3456% | 3,489 |
| Retained earnings to average equity (ytd only) | 0.0484% | 4,174 |
| Net charge-offs to loans | 0.1628% | 387 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 8.0455% | 1,835 |
| Efficiency ratio | 81.8462% | 815 |
| Assets per employee ($millions) | 3.3757% | 4,573 |
| Cash dividends to net income (ytd only)* | 99.2366% | 379 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4374% | 1,607 |
| Loan loss allowance to noncurrent loans | 129.1181% | 3,161 |
| Noncurrent assets plus other real estate owned to assets | 0.7543% | 697 |
| Noncurrent loans to loans | 1.1132% | 739 |
| Net loans and leases to total assets | 60.6276% | 2,258 |
| Net loans and leases to deposits | 67.7321% | 2,407 |
| Net loans and leases to core deposits | 72.4028% | 2,297 |
| Total domestic deposits to total assets | 89.5109% | 1,938 |
| Equity capital to assets | 9.2415% | 2,201 |
| Core capital (leverage) ratio | 9.6429% | 2,774 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0822% | 1,418 |
| Memoranda: | ||
| Average total assets | $87,283,333 | 4,112 |
| Average earning assets | $78,430,333 | 4,137 |
| Average equity | $8,257,667 | 4,175 |
| Average total loans | $54,041,667 | 3,889 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4964% | 313 |
| Cost of funding earning assets | 0.3794% | 993 |
| Net interest margin | 4.1170% | 326 |
| Noninterest income to average assets | 0.6893% | 1,348 |
| Noninterest expense to average assets | 3.6626% | 362 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.5331% | 3,617 |
| Return on assets (ROA) | 0.5331% | 3,586 |
| Pretax return on assets | 0.7169% | 3,344 |
| Return on Equity (ROE) | 5.5696% | 3,464 |
| Retained earnings to average equity (ytd only) | 1.9686% | 3,550 |
| Net charge-offs to loans | -0.0148% | 3,759 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.6306% | 876 |
| Assets per employee ($millions) | 3.3435% | 4,598 |
| Cash dividends to net income (ytd only)* | 64.6552% | 951 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5292% | 1,464 |
| Loan loss allowance to noncurrent loans | 143.9580% | 3,023 |
| Noncurrent assets plus other real estate owned to assets | 0.8087% | 682 |
| Noncurrent loans to loans | 1.0622% | 847 |
| Net loans and leases to total assets | 60.8908% | 1,970 |
| Net loans and leases to deposits | 68.1248% | 2,143 |
| Net loans and leases to core deposits | 72.8723% | 2,035 |
| Total domestic deposits to total assets | 89.3812% | 1,879 |
| Equity capital to assets | 9.4742% | 2,307 |
| Core capital (leverage) ratio | 9.3423% | 2,961 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6302% | 1,606 |
| Memoranda: | ||
| Average total assets | $87,041,500 | 4,131 |
| Average earning assets | $78,017,500 | 4,163 |
| Average equity | $8,331,000 | 4,235 |
| Average total loans | $54,069,000 | 3,898 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2446% | 183 |
| Cost of funding earning assets | 0.4519% | 1,187 |
| Net interest margin | 4.7927% | 179 |
| Noninterest income to average assets | 0.7076% | 1,739 |
| Noninterest expense to average assets | 3.9418% | 303 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.7938% | 3,352 |
| Return on assets (ROA) | 0.7938% | 3,423 |
| Pretax return on assets | 1.0338% | 3,173 |
| Return on Equity (ROE) | 7.7242% | 3,310 |
| Retained earnings to average equity (ytd only) | 3.7124% | 3,334 |
| Net charge-offs to loans | 0.1723% | 561 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 8.9362% | 2,283 |
| Efficiency ratio | 79.2233% | 859 |
| Assets per employee ($millions) | 3.2279% | 4,650 |
| Cash dividends to net income (ytd only)* | 51.9380% | 1,423 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5078% | 1,521 |
| Loan loss allowance to noncurrent loans | 130.9904% | 3,122 |
| Noncurrent assets plus other real estate owned to assets | 0.9111% | 641 |
| Noncurrent loans to loans | 1.1511% | 837 |
| Net loans and leases to total assets | 61.4593% | 2,009 |
| Net loans and leases to deposits | 68.8913% | 2,233 |
| Net loans and leases to core deposits | 73.1795% | 2,146 |
| Total domestic deposits to total assets | 89.2120% | 1,409 |
| Equity capital to assets | 9.6682% | 2,975 |
| Core capital (leverage) ratio | 9.7590% | 2,612 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1624% | 1,463 |
| Memoranda: | ||
| Average total assets | $81,256,400 | 4,200 |
| Average earning assets | $72,359,800 | 4,226 |
| Average equity | $8,350,400 | 4,305 |
| Average total loans | $54,562,000 | 3,922 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4305% | 159 |
| Cost of funding earning assets | 0.4637% | 1,267 |
| Net interest margin | 4.9669% | 166 |
| Noninterest income to average assets | 0.7186% | 1,764 |
| Noninterest expense to average assets | 4.0559% | 273 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.8573% | 3,361 |
| Return on assets (ROA) | 0.8573% | 3,431 |
| Pretax return on assets | 1.0846% | 3,231 |
| Return on Equity (ROE) | 8.2096% | 3,341 |
| Retained earnings to average equity (ytd only) | 3.2486% | 3,812 |
| Net charge-offs to loans | 0.0244% | 1,551 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 64.9000% | 1,098 |
| Efficiency ratio | 78.9012% | 816 |
| Assets per employee ($millions) | 3.3022% | 4,697 |
| Cash dividends to net income (ytd only)* | 60.4288% | 839 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6904% | 1,130 |
| Loan loss allowance to noncurrent loans | 103.9080% | 3,363 |
| Noncurrent assets plus other real estate owned to assets | 1.1144% | 563 |
| Noncurrent loans to loans | 1.6268% | 627 |
| Net loans and leases to total assets | 63.6860% | 1,810 |
| Net loans and leases to deposits | 71.9697% | 2,058 |
| Net loans and leases to core deposits | 76.7757% | 1,976 |
| Total domestic deposits to total assets | 88.4901% | 1,565 |
| Equity capital to assets | 10.1423% | 2,768 |
| Core capital (leverage) ratio | 10.1023% | 2,389 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8676% | 1,160 |
| Memoranda: | ||
| Average total assets | $79,782,500 | 4,273 |
| Average earning assets | $71,028,500 | 4,302 |
| Average equity | $8,331,500 | 4,370 |
| Average total loans | $54,606,750 | 3,971 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7014% | 133 |
| Cost of funding earning assets | 0.4787% | 1,336 |
| Net interest margin | 5.2227% | 134 |
| Noninterest income to average assets | 0.6721% | 1,921 |
| Noninterest expense to average assets | 4.0325% | 283 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.0170% | 2,836 |
| Return on assets (ROA) | 1.0170% | 2,914 |
| Pretax return on assets | 1.2884% | 2,664 |
| Return on Equity (ROE) | 9.6421% | 2,894 |
| Retained earnings to average equity (ytd only) | 6.6365% | 2,569 |
| Net charge-offs to loans | -0.0473% | 4,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7865% | 1,103 |
| Assets per employee ($millions) | 3.3952% | 4,697 |
| Cash dividends to net income (ytd only)* | 31.1721% | 2,001 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6860% | 1,097 |
| Loan loss allowance to noncurrent loans | 97.4763% | 3,382 |
| Noncurrent assets plus other real estate owned to assets | 1.2726% | 514 |
| Noncurrent loans to loans | 1.7297% | 605 |
| Net loans and leases to total assets | 66.3382% | 1,659 |
| Net loans and leases to deposits | 75.0972% | 1,905 |
| Net loans and leases to core deposits | 80.1848% | 1,874 |
| Total domestic deposits to total assets | 88.3364% | 1,653 |
| Equity capital to assets | 10.3566% | 2,529 |
| Core capital (leverage) ratio | 10.3699% | 2,061 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7641% | 1,399 |
| Memoranda: | ||
| Average total assets | $78,858,333 | 4,312 |
| Average earning assets | $70,193,333 | 4,338 |
| Average equity | $8,317,667 | 4,392 |
| Average total loans | $54,982,333 | 3,990 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7540% | 143 |
| Cost of funding earning assets | 0.4920% | 1,441 |
| Net interest margin | 5.2619% | 140 |
| Noninterest income to average assets | 0.7376% | 1,753 |
| Noninterest expense to average assets | 4.0544% | 273 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.0884% | 2,515 |
| Return on assets (ROA) | 1.0884% | 2,588 |
| Pretax return on assets | 1.3721% | 2,360 |
| Return on Equity (ROE) | 10.2216% | 2,614 |
| Retained earnings to average equity (ytd only) | 7.7994% | 2,315 |
| Net charge-offs to loans | -0.0437% | 4,340 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7148% | 1,247 |
| Assets per employee ($millions) | 3.0501% | 4,814 |
| Cash dividends to net income (ytd only)* | 23.6967% | 1,892 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6929% | 1,061 |
| Loan loss allowance to noncurrent loans | 101.9956% | 3,315 |
| Noncurrent assets plus other real estate owned to assets | 1.2459% | 584 |
| Noncurrent loans to loans | 1.6598% | 727 |
| Net loans and leases to total assets | 67.3678% | 1,616 |
| Net loans and leases to deposits | 76.4062% | 1,862 |
| Net loans and leases to core deposits | 81.7393% | 1,864 |
| Total domestic deposits to total assets | 88.1705% | 1,753 |
| Equity capital to assets | 10.5105% | 2,264 |
| Core capital (leverage) ratio | 10.8029% | 1,858 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3531% | 1,793 |
| Memoranda: | ||
| Average total assets | $77,545,500 | 4,340 |
| Average earning assets | $69,100,000 | 4,371 |
| Average equity | $8,257,000 | 4,414 |
| Average total loans | $54,982,500 | 4,009 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9293% | 103 |
| Cost of funding earning assets | 0.5835% | 2,422 |
| Net interest margin | 5.3458% | 77 |
| Noninterest income to average assets | 0.7346% | 1,733 |
| Noninterest expense to average assets | 4.4302% | 268 |
| Loan and lease loss provision to assets | 0.1749% | 2,196 |
| Net operating income to assets | 0.6848% | 3,480 |
| Return on assets (ROA) | 0.6848% | 3,609 |
| Pretax return on assets | 0.8624% | 3,466 |
| Return on Equity (ROE) | 6.3463% | 3,473 |
| Retained earnings to average equity (ytd only) | 3.8527% | 2,895 |
| Net charge-offs to loans | -0.0904% | 4,791 |
| Credit loss provision to net charge-offs | -254.9020% | 3,831 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.0285% | 814 |
| Assets per employee ($millions) | 2.9150% | 4,830 |
| Cash dividends to net income (ytd only)* | 39.2927% | 2,396 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6433% | 1,186 |
| Loan loss allowance to noncurrent loans | 109.7239% | 3,203 |
| Noncurrent assets plus other real estate owned to assets | 1.2126% | 709 |
| Noncurrent loans to loans | 1.4976% | 890 |
| Net loans and leases to total assets | 72.1833% | 1,269 |
| Net loans and leases to deposits | 82.2823% | 1,636 |
| Net loans and leases to core deposits | 87.6279% | 1,730 |
| Total domestic deposits to total assets | 87.7265% | 1,599 |
| Equity capital to assets | 10.7918% | 2,439 |
| Core capital (leverage) ratio | 10.5924% | 2,088 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4259% | 1,419 |
| Memoranda: | ||
| Average total assets | $74,330,600 | 4,318 |
| Average earning assets | $65,808,600 | 4,356 |
| Average equity | $8,020,400 | 4,422 |
| Average total loans | $56,439,600 | 3,972 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7684% | 144 |
| Cost of funding earning assets | 0.5976% | 2,630 |
| Net interest margin | 5.1708% | 109 |
| Noninterest income to average assets | 0.7066% | 1,781 |
| Noninterest expense to average assets | 4.4596% | 257 |
| Loan and lease loss provision to assets | 0.0419% | 3,831 |
| Net operating income to assets | 0.6201% | 3,714 |
| Return on assets (ROA) | 0.6201% | 3,806 |
| Pretax return on assets | 0.7751% | 3,716 |
| Return on Equity (ROE) | 5.7470% | 3,640 |
| Retained earnings to average equity (ytd only) | 3.2411% | 3,419 |
| Net charge-offs to loans | -0.1036% | 4,829 |
| Credit loss provision to net charge-offs | -52.2727% | 3,534 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.5234% | 577 |
| Assets per employee ($millions) | 3.0505% | 4,827 |
| Cash dividends to net income (ytd only)* | 43.6047% | 1,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3504% | 1,954 |
| Loan loss allowance to noncurrent loans | 84.1220% | 3,502 |
| Noncurrent assets plus other real estate owned to assets | 1.2837% | 745 |
| Noncurrent loans to loans | 1.6053% | 881 |
| Net loans and leases to total assets | 76.6332% | 1,015 |
| Net loans and leases to deposits | 87.4684% | 1,543 |
| Net loans and leases to core deposits | 94.2887% | 1,616 |
| Total domestic deposits to total assets | 87.6124% | 1,392 |
| Equity capital to assets | 10.5701% | 2,728 |
| Core capital (leverage) ratio | 10.5009% | 2,257 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5318% | 1,364 |
| Memoranda: | ||
| Average total assets | $73,966,000 | 4,334 |
| Average earning assets | $65,366,000 | 4,378 |
| Average equity | $7,980,750 | 4,447 |
| Average total loans | $56,644,250 | 3,992 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8648% | 173 |
| Cost of funding earning assets | 0.6107% | 2,915 |
| Net interest margin | 5.2542% | 128 |
| Noninterest income to average assets | 0.7186% | 1,671 |
| Noninterest expense to average assets | 4.4180% | 275 |
| Loan and lease loss provision to assets | 0.0410% | 3,766 |
| Net operating income to assets | 0.7104% | 3,362 |
| Return on assets (ROA) | 0.7104% | 3,471 |
| Pretax return on assets | 0.8907% | 3,339 |
| Return on Equity (ROE) | 6.5376% | 3,315 |
| Retained earnings to average equity (ytd only) | 2.7659% | 3,477 |
| Net charge-offs to loans | -0.1398% | 4,902 |
| Credit loss provision to net charge-offs | -38.4615% | 3,353 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.5843% | 722 |
| Assets per employee ($millions) | 2.8799% | 4,883 |
| Cash dividends to net income (ytd only)* | 57.6923% | 1,303 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3567% | 1,736 |
| Loan loss allowance to noncurrent loans | 87.0575% | 3,405 |
| Noncurrent assets plus other real estate owned to assets | 1.2436% | 859 |
| Noncurrent loans to loans | 1.5584% | 961 |
| Net loans and leases to total assets | 73.5899% | 1,463 |
| Net loans and leases to deposits | 83.6212% | 2,031 |
| Net loans and leases to core deposits | 89.9632% | 2,076 |
| Total domestic deposits to total assets | 88.0038% | 1,183 |
| Equity capital to assets | 10.2652% | 2,954 |
| Core capital (leverage) ratio | 10.4171% | 2,433 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1247% | 1,754 |
| Memoranda: | ||
| Average total assets | $73,200,667 | 4,349 |
| Average earning assets | $64,520,000 | 4,400 |
| Average equity | $7,954,000 | 4,461 |
| Average total loans | $55,778,333 | 4,022 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1621% | 135 |
| Cost of funding earning assets | 0.6375% | 3,240 |
| Net interest margin | 5.5246% | 86 |
| Noninterest income to average assets | 0.8404% | 1,192 |
| Noninterest expense to average assets | 4.6192% | 272 |
| Loan and lease loss provision to assets | 0.0395% | 3,281 |
| Net operating income to assets | 0.8178% | 2,843 |
| Return on assets (ROA) | 0.8178% | 2,932 |
| Pretax return on assets | 1.0208% | 2,782 |
| Return on Equity (ROE) | 7.3048% | 2,829 |
| Retained earnings to average equity (ytd only) | 7.3048% | 1,444 |
| Net charge-offs to loans | 0.0585% | 1,426 |
| Credit loss provision to net charge-offs | 87.5000% | 1,903 |
| Earnings coverage of net charge-offs (x) | 23.5000% | 1,325 |
| Efficiency ratio | 81.3307% | 1,016 |
| Assets per employee ($millions) | 2.5977% | 4,932 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3602% | 1,861 |
| Loan loss allowance to noncurrent loans | 74.5418% | 3,659 |
| Noncurrent assets plus other real estate owned to assets | 1.4899% | 719 |
| Noncurrent loans to loans | 1.8247% | 818 |
| Net loans and leases to total assets | 75.6854% | 1,353 |
| Net loans and leases to deposits | 87.0246% | 1,871 |
| Net loans and leases to core deposits | 94.4808% | 1,925 |
| Total domestic deposits to total assets | 86.9702% | 1,569 |
| Equity capital to assets | 11.4302% | 2,500 |
| Core capital (leverage) ratio | 11.2343% | 2,283 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5109% | 1,466 |
| Memoranda: | ||
| Average total assets | $70,922,000 | 4,395 |
| Average earning assets | $62,122,000 | 4,451 |
| Average equity | $7,940,000 | 4,488 |
| Average total loans | $54,663,000 | 4,057 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2439% | 153 |
| Cost of funding earning assets | 0.6093% | 3,602 |
| Net interest margin | 5.6346% | 97 |
| Noninterest income to average assets | 0.8160% | 1,400 |
| Noninterest expense to average assets | 4.5249% | 298 |
| Loan and lease loss provision to assets | 0.3211% | 497 |
| Net operating income to assets | 0.7159% | 3,821 |
| Return on assets (ROA) | 0.7159% | 3,881 |
| Pretax return on assets | 0.9064% | 3,724 |
| Return on Equity (ROE) | 6.6551% | 3,682 |
| Retained earnings to average equity (ytd only) | 2.9722% | 3,549 |
| Net charge-offs to loans | 0.3377% | 611 |
| Credit loss provision to net charge-offs | 126.9231% | 2,008 |
| Earnings coverage of net charge-offs (x) | 4.8516% | 3,162 |
| Efficiency ratio | 78.6612% | 1,069 |
| Assets per employee ($millions) | 2.7579% | 4,923 |
| Cash dividends to net income (ytd only)* | 55.3398% | 1,781 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3205% | 1,835 |
| Loan loss allowance to noncurrent loans | 61.2876% | 3,908 |
| Noncurrent assets plus other real estate owned to assets | 1.7419% | 523 |
| Noncurrent loans to loans | 2.1546% | 581 |
| Net loans and leases to total assets | 76.3908% | 1,344 |
| Net loans and leases to deposits | 87.4346% | 1,924 |
| Net loans and leases to core deposits | 95.5268% | 1,939 |
| Total domestic deposits to total assets | 87.3691% | 1,424 |
| Equity capital to assets | 10.9658% | 3,035 |
| Core capital (leverage) ratio | 10.8322% | 2,655 |
| Tier 1 risk-based capital ratio | 14.4814% | 3,027 |
| Total risk-based capital ratio | 15.7334% | 2,926 |
| Memoranda: | ||
| Average total assets | $71,934,800 | 4,394 |
| Average earning assets | $63,021,200 | 4,459 |
| Average equity | $7,738,400 | 4,538 |
| Average total loans | $53,890,800 | 4,104 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2151% | 170 |
| Cost of funding earning assets | 0.5921% | 3,737 |
| Net interest margin | 5.6230% | 96 |
| Noninterest income to average assets | 0.7797% | 1,487 |
| Noninterest expense to average assets | 4.5874% | 279 |
| Loan and lease loss provision to assets | 0.2000% | 882 |
| Net operating income to assets | 0.7278% | 3,919 |
| Return on assets (ROA) | 0.7278% | 3,986 |
| Pretax return on assets | 0.9168% | 3,824 |
| Return on Equity (ROE) | 6.7987% | 3,767 |
| Retained earnings to average equity (ytd only) | 2.9928% | 3,886 |
| Net charge-offs to loans | 0.4537% | 374 |
| Credit loss provision to net charge-offs | 59.3407% | 2,716 |
| Earnings coverage of net charge-offs (x) | 3.3132% | 3,111 |
| Efficiency ratio | 80.4221% | 887 |
| Assets per employee ($millions) | 2.5816% | 5,054 |
| Cash dividends to net income (ytd only)* | 55.9801% | 1,434 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1275% | 2,886 |
| Loan loss allowance to noncurrent loans | 62.8866% | 3,942 |
| Noncurrent assets plus other real estate owned to assets | 1.5093% | 730 |
| Noncurrent loans to loans | 1.7930% | 798 |
| Net loans and leases to total assets | 73.9977% | 1,821 |
| Net loans and leases to deposits | 84.6991% | 2,352 |
| Net loans and leases to core deposits | 92.4856% | 2,321 |
| Total domestic deposits to total assets | 87.3655% | 1,333 |
| Equity capital to assets | 10.7891% | 3,306 |
| Core capital (leverage) ratio | 10.8277% | 2,808 |
| Tier 1 risk-based capital ratio | 14.4580% | 3,097 |
| Total risk-based capital ratio | 15.5866% | 3,066 |
| Memoranda: | ||
| Average total assets | $71,992,250 | 4,453 |
| Average earning assets | $63,049,000 | 4,507 |
| Average equity | $7,707,250 | 4,600 |
| Average total loans | $53,486,250 | 4,162 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1704% | 180 |
| Cost of funding earning assets | 0.5789% | 3,756 |
| Net interest margin | 5.5915% | 110 |
| Noninterest income to average assets | 0.7761% | 1,425 |
| Noninterest expense to average assets | 4.3898% | 338 |
| Loan and lease loss provision to assets | 0.2365% | 671 |
| Net operating income to assets | 0.8206% | 3,585 |
| Return on assets (ROA) | 0.8206% | 3,639 |
| Pretax return on assets | 1.0404% | 3,413 |
| Return on Equity (ROE) | 7.6856% | 3,424 |
| Retained earnings to average equity (ytd only) | 4.8198% | 2,856 |
| Net charge-offs to loans | 0.3153% | 548 |
| Credit loss provision to net charge-offs | 101.1905% | 1,944 |
| Earnings coverage of net charge-offs (x) | 5.4643% | 2,654 |
| Efficiency ratio | 77.4669% | 1,219 |
| Assets per employee ($millions) | 2.5159% | 5,116 |
| Cash dividends to net income (ytd only)* | 37.2881% | 2,320 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2656% | 2,163 |
| Loan loss allowance to noncurrent loans | 47.4377% | 4,253 |
| Noncurrent assets plus other real estate owned to assets | 2.1642% | 396 |
| Noncurrent loans to loans | 2.6678% | 413 |
| Net loans and leases to total assets | 73.2470% | 2,015 |
| Net loans and leases to deposits | 83.6139% | 2,533 |
| Net loans and leases to core deposits | 91.5807% | 2,453 |
| Total domestic deposits to total assets | 87.6014% | 1,284 |
| Equity capital to assets | 10.6976% | 3,345 |
| Core capital (leverage) ratio | 10.5595% | 3,023 |
| Tier 1 risk-based capital ratio | 14.6933% | 2,969 |
| Total risk-based capital ratio | 15.9436% | 2,895 |
| Memoranda: | ||
| Average total assets | $71,894,330 | 4,488 |
| Average earning assets | $62,881,000 | 4,543 |
| Average equity | $7,676,670 | 4,628 |
| Average total loans | $53,281,670 | 4,193 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1281% | 180 |
| Cost of funding earning assets | 0.5729% | 3,716 |
| Net interest margin | 5.5552% | 108 |
| Noninterest income to average assets | 0.9641% | 891 |
| Noninterest expense to average assets | 4.7196% | 254 |
| Loan and lease loss provision to assets | 0.0841% | 2,019 |
| Net operating income to assets | 0.7959% | 3,635 |
| Return on assets (ROA) | 0.7959% | 3,681 |
| Pretax return on assets | 0.9977% | 3,445 |
| Return on Equity (ROE) | 7.4614% | 3,472 |
| Retained earnings to average equity (ytd only) | 4.3087% | 3,199 |
| Net charge-offs to loans | 0.0984% | 1,153 |
| Credit loss provision to net charge-offs | 115.3846% | 1,450 |
| Earnings coverage of net charge-offs (x) | 14.8462% | 1,773 |
| Efficiency ratio | 81.3527% | 935 |
| Assets per employee ($millions) | 2.6916% | 5,118 |
| Cash dividends to net income (ytd only)* | 42.2535% | 1,857 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2949% | 2,110 |
| Loan loss allowance to noncurrent loans | 42.5294% | 4,402 |
| Noncurrent assets plus other real estate owned to assets | 2.4245% | 328 |
| Noncurrent loans to loans | 3.0447% | 353 |
| Net loans and leases to total assets | 71.9542% | 2,170 |
| Net loans and leases to deposits | 81.8072% | 2,626 |
| Net loans and leases to core deposits | 89.5933% | 2,540 |
| Total domestic deposits to total assets | 87.9558% | 1,356 |
| Equity capital to assets | 10.5526% | 3,303 |
| Core capital (leverage) ratio | 10.8037% | 2,763 |
| Tier 1 risk-based capital ratio | 14.4341% | 3,128 |
| Total risk-based capital ratio | 15.6853% | 3,058 |
| Memoranda: | ||
| Average total assets | $71,361,500 | 4,544 |
| Average earning assets | $62,140,000 | 4,613 |
| Average equity | $7,612,500 | 4,666 |
| Average total loans | $52,859,500 | 4,244 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3056% | 115 |
| Cost of funding earning assets | 0.5136% | 3,264 |
| Net interest margin | 5.7920% | 81 |
| Noninterest income to average assets | 1.0567% | 842 |
| Noninterest expense to average assets | 4.7282% | 252 |
| Loan and lease loss provision to assets | 0.5466% | 204 |
| Net operating income to assets | 0.6850% | 4,181 |
| Return on assets (ROA) | 0.6850% | 4,185 |
| Pretax return on assets | 0.8614% | 4,003 |
| Return on Equity (ROE) | 6.3505% | 4,050 |
| Retained earnings to average equity (ytd only) | 3.3779% | 3,728 |
| Net charge-offs to loans | 0.7719% | 201 |
| Credit loss provision to net charge-offs | 93.0521% | 2,680 |
| Earnings coverage of net charge-offs (x) | 2.3970% | 3,524 |
| Efficiency ratio | 77.0546% | 1,229 |
| Assets per employee ($millions) | 2.5944% | 5,181 |
| Cash dividends to net income (ytd only)* | 46.8085% | 2,143 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2969% | 2,053 |
| Loan loss allowance to noncurrent loans | 104.1096% | 3,355 |
| Noncurrent assets plus other real estate owned to assets | 1.2277% | 1,053 |
| Noncurrent loans to loans | 1.2457% | 1,277 |
| Net loans and leases to total assets | 74.3151% | 1,885 |
| Net loans and leases to deposits | 84.8331% | 2,426 |
| Net loans and leases to core deposits | 93.2587% | 2,293 |
| Total domestic deposits to total assets | 87.6015% | 1,485 |
| Equity capital to assets | 10.7867% | 2,893 |
| Core capital (leverage) ratio | 10.6731% | 2,862 |
| Tier 1 risk-based capital ratio | 14.1429% | 3,221 |
| Total risk-based capital ratio | 15.3944% | 3,155 |
| Memoranda: | ||
| Average total assets | $68,609,400 | 4,605 |
| Average earning assets | $60,169,200 | 4,666 |
| Average equity | $7,401,000 | 4,689 |
| Average total loans | $52,205,800 | 4,257 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2550% | 113 |
| Cost of funding earning assets | 0.4935% | 3,239 |
| Net interest margin | 5.7615% | 81 |
| Noninterest income to average assets | 0.8830% | 1,244 |
| Noninterest expense to average assets | 4.9249% | 215 |
| Loan and lease loss provision to assets | 0.1700% | 1,099 |
| Net operating income to assets | 0.6798% | 4,292 |
| Return on assets (ROA) | 0.6798% | 4,304 |
| Pretax return on assets | 0.8518% | 4,163 |
| Return on Equity (ROE) | 6.3023% | 4,171 |
| Retained earnings to average equity (ytd only) | 2.3180% | 4,464 |
| Net charge-offs to loans | 0.2356% | 723 |
| Credit loss provision to net charge-offs | 94.5652% | 2,368 |
| Earnings coverage of net charge-offs (x) | 5.6850% | 2,948 |
| Efficiency ratio | 82.8187% | 720 |
| Assets per employee ($millions) | 2.7873% | 5,160 |
| Cash dividends to net income (ytd only)* | 63.2190% | 1,072 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3432% | 1,905 |
| Loan loss allowance to noncurrent loans | 69.3137% | 4,008 |
| Noncurrent assets plus other real estate owned to assets | 1.7178% | 703 |
| Noncurrent loans to loans | 1.9378% | 776 |
| Net loans and leases to total assets | 74.5243% | 1,894 |
| Net loans and leases to deposits | 85.1409% | 2,456 |
| Net loans and leases to core deposits | 93.6857% | 2,318 |
| Total domestic deposits to total assets | 87.5305% | 1,471 |
| Equity capital to assets | 10.6211% | 3,026 |
| Core capital (leverage) ratio | 10.4643% | 3,121 |
| Tier 1 risk-based capital ratio | 13.9826% | 3,386 |
| Total risk-based capital ratio | 15.2345% | 3,290 |
| Memoranda: | ||
| Average total assets | $68,249,500 | 4,656 |
| Average earning assets | $59,983,000 | 4,714 |
| Average equity | $7,362,250 | 4,741 |
| Average total loans | $52,072,000 | 4,308 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2072% | 113 |
| Cost of funding earning assets | 0.4803% | 3,154 |
| Net interest margin | 5.7269% | 88 |
| Noninterest income to average assets | 0.8411% | 1,345 |
| Noninterest expense to average assets | 4.8545% | 230 |
| Loan and lease loss provision to assets | 0.1476% | 1,287 |
| Net operating income to assets | 0.6965% | 4,204 |
| Return on assets (ROA) | 0.6965% | 4,209 |
| Pretax return on assets | 0.8706% | 4,053 |
| Return on Equity (ROE) | 6.4224% | 4,088 |
| Retained earnings to average equity (ytd only) | 3.0207% | 4,041 |
| Net charge-offs to loans | 0.2351% | 677 |
| Credit loss provision to net charge-offs | 81.9672% | 2,236 |
| Earnings coverage of net charge-offs (x) | 5.6557% | 2,694 |
| Efficiency ratio | 82.6633% | 791 |
| Assets per employee ($millions) | 2.8781% | 5,178 |
| Cash dividends to net income (ytd only)* | 52.9661% | 1,560 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3490% | 1,952 |
| Loan loss allowance to noncurrent loans | 46.1488% | 4,488 |
| Noncurrent assets plus other real estate owned to assets | 2.4336% | 365 |
| Noncurrent loans to loans | 2.9231% | 398 |
| Net loans and leases to total assets | 74.2161% | 1,913 |
| Net loans and leases to deposits | 84.7956% | 2,445 |
| Net loans and leases to core deposits | 92.9554% | 2,311 |
| Total domestic deposits to total assets | 87.5235% | 1,634 |
| Equity capital to assets | 10.6929% | 2,940 |
| Core capital (leverage) ratio | 10.6911% | 2,819 |
| Tier 1 risk-based capital ratio | 14.1302% | 3,296 |
| Total risk-based capital ratio | 15.3801% | 3,216 |
| Memoranda: | ||
| Average total assets | $67,772,000 | 4,721 |
| Average earning assets | $59,543,670 | 4,777 |
| Average equity | $7,349,330 | 4,791 |
| Average total loans | $51,883,670 | 4,351 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0774% | 123 |
| Cost of funding earning assets | 0.4670% | 3,068 |
| Net interest margin | 5.6104% | 94 |
| Noninterest income to average assets | 0.8641% | 1,247 |
| Noninterest expense to average assets | 5.0238% | 218 |
| Loan and lease loss provision to assets | 0.1609% | 1,119 |
| Net operating income to assets | 0.4231% | 4,879 |
| Return on assets (ROA) | 0.4231% | 4,885 |
| Pretax return on assets | 0.6198% | 4,639 |
| Return on Equity (ROE) | 3.8740% | 4,793 |
| Retained earnings to average equity (ytd only) | 3.8740% | 3,643 |
| Net charge-offs to loans | 0.2778% | 557 |
| Credit loss provision to net charge-offs | 75.0000% | 1,788 |
| Earnings coverage of net charge-offs (x) | 3.6389% | 2,367 |
| Efficiency ratio | 86.5503% | 608 |
| Assets per employee ($millions) | 2.6718% | 5,347 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3620% | 1,983 |
| Loan loss allowance to noncurrent loans | 66.0714% | 4,089 |
| Noncurrent assets plus other real estate owned to assets | 1.7726% | 691 |
| Noncurrent loans to loans | 2.0614% | 760 |
| Net loans and leases to total assets | 76.2201% | 1,505 |
| Net loans and leases to deposits | 87.4491% | 2,000 |
| Net loans and leases to core deposits | 96.2056% | 1,962 |
| Total domestic deposits to total assets | 87.1594% | 2,059 |
| Equity capital to assets | 11.0066% | 2,572 |
| Core capital (leverage) ratio | 10.8429% | 2,587 |
| Tier 1 risk-based capital ratio | 14.4074% | 3,167 |
| Total risk-based capital ratio | 15.6591% | 3,080 |
| Memoranda: | ||
| Average total assets | $67,121,000 | 4,794 |
| Average earning assets | $59,104,500 | 4,848 |
| Average equity | $7,331,000 | 4,844 |
| Average total loans | $51,843,000 | 4,401 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2782% | 99 |
| Cost of funding earning assets | 0.4659% | 2,635 |
| Net interest margin | 5.8123% | 81 |
| Noninterest income to average assets | 0.9165% | 1,226 |
| Noninterest expense to average assets | 4.7823% | 254 |
| Loan and lease loss provision to assets | 0.3613% | 429 |
| Net operating income to assets | 0.7344% | 3,452 |
| Return on assets (ROA) | 0.7344% | 3,496 |
| Pretax return on assets | 0.9076% | 3,899 |
| Return on Equity (ROE) | 6.9164% | 3,322 |
| Retained earnings to average equity (ytd only) | 1.8267% | 4,221 |
| Net charge-offs to loans | 0.2414% | 1,075 |
| Credit loss provision to net charge-offs | 198.3740% | 1,377 |
| Earnings coverage of net charge-offs (x) | 6.9675% | 3,112 |
| Efficiency ratio | 79.0311% | 1,219 |
| Assets per employee ($millions) | 2.4980% | 5,459 |
| Cash dividends to net income (ytd only)* | 73.5887% | 1,081 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3674% | 1,894 |
| Loan loss allowance to noncurrent loans | 96.6079% | 3,595 |
| Noncurrent assets plus other real estate owned to assets | 1.2781% | 1,142 |
| Noncurrent loans to loans | 1.4154% | 1,211 |
| Net loans and leases to total assets | 76.1483% | 1,562 |
| Net loans and leases to deposits | 87.2488% | 2,105 |
| Net loans and leases to core deposits | 95.8709% | 2,032 |
| Total domestic deposits to total assets | 87.2772% | 1,868 |
| Equity capital to assets | 10.8383% | 2,792 |
| Core capital (leverage) ratio | 10.6631% | 2,682 |
| Tier 1 risk-based capital ratio | 14.4050% | 3,135 |
| Total risk-based capital ratio | 15.6566% | 3,048 |
| Memoranda: | ||
| Average total assets | $67,540,200 | 4,819 |
| Average earning assets | $59,667,000 | 4,866 |
| Average equity | $7,171,400 | 4,913 |
| Average total loans | $50,960,800 | 4,434 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1947% | 106 |
| Cost of funding earning assets | 0.4624% | 2,597 |
| Net interest margin | 5.7323% | 80 |
| Noninterest income to average assets | 0.8722% | 1,362 |
| Noninterest expense to average assets | 4.7638% | 254 |
| Loan and lease loss provision to assets | 0.4815% | 244 |
| Net operating income to assets | 0.4835% | 4,778 |
| Return on assets (ROA) | 0.4835% | 4,816 |
| Pretax return on assets | 0.6907% | 4,630 |
| Return on Equity (ROE) | 4.5772% | 4,682 |
| Retained earnings to average equity (ytd only) | -1.4945% | 5,390 |
| Net charge-offs to loans | 0.2157% | 1,003 |
| Credit loss provision to net charge-offs | 297.5610% | 996 |
| Earnings coverage of net charge-offs (x) | 7.2439% | 2,901 |
| Efficiency ratio | 80.2527% | 1,074 |
| Assets per employee ($millions) | 2.6047% | 5,482 |
| Cash dividends to net income (ytd only)* | 132.6517% | 135 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4529% | 1,692 |
| Loan loss allowance to noncurrent loans | 92.9630% | 3,651 |
| Noncurrent assets plus other real estate owned to assets | 1.4028% | 1,107 |
| Noncurrent loans to loans | 1.5628% | 1,193 |
| Net loans and leases to total assets | 75.4190% | 1,692 |
| Net loans and leases to deposits | 88.0985% | 2,048 |
| Net loans and leases to core deposits | 97.1729% | 1,961 |
| Total domestic deposits to total assets | 85.6075% | 2,477 |
| Equity capital to assets | 10.5429% | 3,325 |
| Core capital (leverage) ratio | 10.4902% | 3,001 |
| Tier 1 risk-based capital ratio | 14.2333% | 3,336 |
| Total risk-based capital ratio | 15.4864% | 3,232 |
| Memoranda: | ||
| Average total assets | $67,563,750 | 4,870 |
| Average earning assets | $59,683,500 | 4,921 |
| Average equity | $7,136,750 | 4,973 |
| Average total loans | $50,683,250 | 4,486 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1729% | 104 |
| Cost of funding earning assets | 0.4553% | 2,552 |
| Net interest margin | 5.7176% | 86 |
| Noninterest income to average assets | 0.9124% | 1,237 |
| Noninterest expense to average assets | 4.7163% | 269 |
| Loan and lease loss provision to assets | 0.7228% | 149 |
| Net operating income to assets | 0.3762% | 5,029 |
| Return on assets (ROA) | 0.3762% | 5,057 |
| Pretax return on assets | 0.5332% | 4,948 |
| Return on Equity (ROE) | 3.5596% | 4,960 |
| Retained earnings to average equity (ytd only) | -3.4475% | 5,464 |
| Net charge-offs to loans | 0.1789% | 1,107 |
| Credit loss provision to net charge-offs | 542.2222% | 616 |
| Earnings coverage of net charge-offs (x) | 9.4222% | 2,434 |
| Efficiency ratio | 78.9683% | 1,339 |
| Assets per employee ($millions) | 2.6292% | 5,500 |
| Cash dividends to net income (ytd only)* | 196.8504% | 78 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5414% | 1,428 |
| Loan loss allowance to noncurrent loans | 73.6253% | 4,106 |
| Noncurrent assets plus other real estate owned to assets | 1.7745% | 786 |
| Noncurrent loans to loans | 2.0936% | 790 |
| Net loans and leases to total assets | 73.8191% | 1,902 |
| Net loans and leases to deposits | 84.4157% | 2,419 |
| Net loans and leases to core deposits | 92.8105% | 2,268 |
| Total domestic deposits to total assets | 87.4472% | 1,747 |
| Equity capital to assets | 10.3746% | 3,483 |
| Core capital (leverage) ratio | 10.4121% | 3,014 |
| Tier 1 risk-based capital ratio | 14.1543% | 3,339 |
| Total risk-based capital ratio | 15.4078% | 3,254 |
| Memoranda: | ||
| Average total assets | $67,510,670 | 4,913 |
| Average earning assets | $59,745,000 | 4,957 |
| Average equity | $7,135,670 | 4,999 |
| Average total loans | $50,301,330 | 4,519 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1674% | 105 |
| Cost of funding earning assets | 0.4511% | 2,515 |
| Net interest margin | 5.7163% | 92 |
| Noninterest income to average assets | 0.9421% | 1,124 |
| Noninterest expense to average assets | 4.7401% | 282 |
| Loan and lease loss provision to assets | 0.1312% | 1,458 |
| Net operating income to assets | 0.7692% | 3,373 |
| Return on assets (ROA) | 0.7692% | 3,429 |
| Pretax return on assets | 1.1329% | 2,848 |
| Return on Equity (ROE) | 7.2421% | 3,299 |
| Retained earnings to average equity (ytd only) | -6.7930% | 5,481 |
| Net charge-offs to loans | 0.1846% | 921 |
| Credit loss provision to net charge-offs | 95.6522% | 1,646 |
| Earnings coverage of net charge-offs (x) | 9.2174% | 2,008 |
| Efficiency ratio | 78.9474% | 1,496 |
| Assets per employee ($millions) | 2.6910% | 5,543 |
| Cash dividends to net income (ytd only)* | 193.7984% | 248 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5746% | 1,444 |
| Loan loss allowance to noncurrent loans | 99.6217% | 3,628 |
| Noncurrent assets plus other real estate owned to assets | 1.5726% | 993 |
| Noncurrent loans to loans | 1.5805% | 1,236 |
| Net loans and leases to total assets | 73.4036% | 1,836 |
| Net loans and leases to deposits | 84.1421% | 2,267 |
| Net loans and leases to core deposits | 91.8087% | 2,183 |
| Total domestic deposits to total assets | 87.2376% | 2,094 |
| Equity capital to assets | 10.5179% | 3,160 |
| Core capital (leverage) ratio | 10.4706% | 2,936 |
| Tier 1 risk-based capital ratio | 14.4070% | 3,255 |
| Total risk-based capital ratio | 15.6625% | 3,177 |
| Memoranda: | ||
| Average total assets | $67,086,500 | 4,968 |
| Average earning assets | $59,409,500 | 5,015 |
| Average equity | $7,125,000 | 5,041 |
| Average total loans | $49,826,000 | 4,568 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0382% | 120 |
| Cost of funding earning assets | 0.4579% | 2,465 |
| Net interest margin | 5.5802% | 97 |
| Noninterest income to average assets | 0.9219% | 1,342 |
| Noninterest expense to average assets | 4.6938% | 317 |
| Loan and lease loss provision to assets | 0.0900% | 2,568 |
| Net operating income to assets | 0.7346% | 3,621 |
| Return on assets (ROA) | 0.7346% | 3,732 |
| Pretax return on assets | 1.0812% | 3,170 |
| Return on Equity (ROE) | 6.9678% | 3,483 |
| Retained earnings to average equity (ytd only) | 2.3506% | 4,186 |
| Net charge-offs to loans | 0.2948% | 941 |
| Credit loss provision to net charge-offs | 42.3611% | 3,475 |
| Earnings coverage of net charge-offs (x) | 5.5139% | 3,326 |
| Efficiency ratio | 80.0302% | 1,415 |
| Assets per employee ($millions) | 2.4777% | 5,668 |
| Cash dividends to net income (ytd only)* | 66.2651% | 1,481 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1944% | 3,153 |
| Loan loss allowance to noncurrent loans | 78.0713% | 4,042 |
| Noncurrent assets plus other real estate owned to assets | 1.5277% | 1,074 |
| Noncurrent loans to loans | 1.5299% | 1,305 |
| Net loans and leases to total assets | 73.0795% | 2,001 |
| Net loans and leases to deposits | 84.0433% | 2,410 |
| Net loans and leases to core deposits | 91.7757% | 2,322 |
| Total domestic deposits to total assets | 86.9546% | 2,173 |
| Equity capital to assets | 10.7239% | 2,897 |
| Core capital (leverage) ratio | 10.6338% | 2,739 |
| Tier 1 risk-based capital ratio | 14.6359% | 3,128 |
| Total risk-based capital ratio | 15.8564% | 3,083 |
| Memoranda: | ||
| Average total assets | $67,792,000 | 4,976 |
| Average earning assets | $60,051,200 | 5,016 |
| Average equity | $7,147,200 | 5,067 |
| Average total loans | $48,847,600 | 4,602 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0416% | 116 |
| Cost of funding earning assets | 0.4651% | 2,422 |
| Net interest margin | 5.5765% | 102 |
| Noninterest income to average assets | 0.8860% | 1,454 |
| Noninterest expense to average assets | 4.6616% | 332 |
| Loan and lease loss provision to assets | 0.0902% | 2,422 |
| Net operating income to assets | 0.7273% | 3,709 |
| Return on assets (ROA) | 0.7273% | 3,840 |
| Pretax return on assets | 1.0703% | 3,350 |
| Return on Equity (ROE) | 6.9274% | 3,598 |
| Retained earnings to average equity (ytd only) | 0.7656% | 5,159 |
| Net charge-offs to loans | 0.3204% | 722 |
| Credit loss provision to net charge-offs | 39.3162% | 3,153 |
| Earnings coverage of net charge-offs (x) | 5.0597% | 3,180 |
| Efficiency ratio | 80.0673% | 1,433 |
| Assets per employee ($millions) | 2.6801% | 5,613 |
| Cash dividends to net income (ytd only)* | 88.9498% | 556 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2408% | 3,010 |
| Loan loss allowance to noncurrent loans | 78.9267% | 4,070 |
| Noncurrent assets plus other real estate owned to assets | 1.5358% | 1,152 |
| Noncurrent loans to loans | 1.5721% | 1,381 |
| Net loans and leases to total assets | 71.6311% | 2,240 |
| Net loans and leases to deposits | 82.6659% | 2,645 |
| Net loans and leases to core deposits | 90.8463% | 2,494 |
| Total domestic deposits to total assets | 86.6513% | 2,056 |
| Equity capital to assets | 10.6577% | 3,397 |
| Core capital (leverage) ratio | 10.7250% | 2,754 |
| Tier 1 risk-based capital ratio | 14.9299% | 3,086 |
| Total risk-based capital ratio | 16.1791% | 3,011 |
| Memoranda: | ||
| Average total assets | $68,015,750 | 5,023 |
| Average earning assets | $60,203,250 | 5,058 |
| Average equity | $7,140,500 | 5,114 |
| Average total loans | $48,689,750 | 4,654 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9502% | 131 |
| Cost of funding earning assets | 0.4605% | 2,471 |
| Net interest margin | 5.4897% | 115 |
| Noninterest income to average assets | 0.9097% | 1,349 |
| Noninterest expense to average assets | 4.5984% | 349 |
| Loan and lease loss provision to assets | 0.0883% | 2,377 |
| Net operating income to assets | 0.7743% | 3,428 |
| Return on assets (ROA) | 0.7743% | 3,576 |
| Pretax return on assets | 1.1364% | 3,052 |
| Return on Equity (ROE) | 7.3666% | 3,334 |
| Retained earnings to average equity (ytd only) | -0.0560% | 5,302 |
| Net charge-offs to loans | 0.3654% | 635 |
| Credit loss provision to net charge-offs | 33.7079% | 2,824 |
| Earnings coverage of net charge-offs (x) | 4.6742% | 2,962 |
| Efficiency ratio | 78.9687% | 1,640 |
| Assets per employee ($millions) | 2.3786% | 5,836 |
| Cash dividends to net income (ytd only)* | 100.7605% | 498 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2320% | 3,178 |
| Loan loss allowance to noncurrent loans | 99.3538% | 3,720 |
| Noncurrent assets plus other real estate owned to assets | 1.3198% | 1,525 |
| Noncurrent loans to loans | 1.2400% | 1,852 |
| Net loans and leases to total assets | 74.0274% | 1,833 |
| Net loans and leases to deposits | 85.4235% | 2,312 |
| Net loans and leases to core deposits | 96.2085% | 1,958 |
| Total domestic deposits to total assets | 86.6594% | 2,078 |
| Equity capital to assets | 10.6650% | 3,447 |
| Core capital (leverage) ratio | 10.3873% | 3,089 |
| Tier 1 risk-based capital ratio | 14.5382% | 3,296 |
| Total risk-based capital ratio | 15.7868% | 3,231 |
| Memoranda: | ||
| Average total assets | $67,936,670 | 5,070 |
| Average earning assets | $60,805,000 | 5,090 |
| Average equity | $7,140,330 | 5,167 |
| Average total loans | $48,720,330 | 4,689 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9376% | 132 |
| Cost of funding earning assets | 0.4547% | 2,532 |
| Net interest margin | 5.4829% | 120 |
| Noninterest income to average assets | 0.9737% | 1,141 |
| Noninterest expense to average assets | 4.5420% | 378 |
| Loan and lease loss provision to assets | 0.0875% | 2,224 |
| Net operating income to assets | 0.8221% | 3,140 |
| Return on assets (ROA) | 0.8221% | 3,264 |
| Pretax return on assets | 1.1953% | 2,720 |
| Return on Equity (ROE) | 7.8782% | 2,989 |
| Retained earnings to average equity (ytd only) | 7.8782% | 1,513 |
| Net charge-offs to loans | 0.3741% | 591 |
| Credit loss provision to net charge-offs | 33.3333% | 2,194 |
| Earnings coverage of net charge-offs (x) | 4.8889% | 2,382 |
| Efficiency ratio | 77.9780% | 1,899 |
| Assets per employee ($millions) | 2.5364% | 5,830 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3347% | 2,734 |
| Loan loss allowance to noncurrent loans | 155.9322% | 2,691 |
| Noncurrent assets plus other real estate owned to assets | 1.1959% | 1,829 |
| Noncurrent loans to loans | 0.8560% | 2,709 |
| Net loans and leases to total assets | 69.5161% | 2,421 |
| Net loans and leases to deposits | 79.9134% | 2,798 |
| Net loans and leases to core deposits | 89.6754% | 2,404 |
| Total domestic deposits to total assets | 86.9893% | 2,217 |
| Equity capital to assets | 10.5750% | 3,397 |
| Core capital (leverage) ratio | 10.6399% | 2,807 |
| Tier 1 risk-based capital ratio | 15.1803% | 3,075 |
| Total risk-based capital ratio | 16.4301% | 3,008 |
| Memoranda: | ||
| Average total assets | $68,604,500 | 5,103 |
| Average earning assets | $60,698,000 | 5,139 |
| Average equity | $7,159,000 | 5,199 |
| Average total loans | $48,121,500 | 4,735 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9142% | 143 |
| Cost of funding earning assets | 0.4641% | 2,494 |
| Net interest margin | 5.4501% | 134 |
| Noninterest income to average assets | 0.9119% | 1,402 |
| Noninterest expense to average assets | 4.6689% | 361 |
| Loan and lease loss provision to assets | 0.0856% | 2,581 |
| Net operating income to assets | 0.6760% | 3,922 |
| Return on assets (ROA) | 0.6760% | 4,022 |
| Pretax return on assets | 0.9554% | 3,629 |
| Return on Equity (ROE) | 6.3707% | 3,860 |
| Retained earnings to average equity (ytd only) | 0.5663% | 5,291 |
| Net charge-offs to loans | 0.3015% | 1,001 |
| Credit loss provision to net charge-offs | 40.7143% | 3,525 |
| Earnings coverage of net charge-offs (x) | 4.9500% | 3,464 |
| Efficiency ratio | 81.7680% | 1,439 |
| Assets per employee ($millions) | 2.7491% | 5,738 |
| Cash dividends to net income (ytd only)* | 91.1111% | 579 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4044% | 2,399 |
| Loan loss allowance to noncurrent loans | 112.8978% | 3,405 |
| Noncurrent assets plus other real estate owned to assets | 1.4929% | 1,358 |
| Noncurrent loans to loans | 1.2439% | 1,899 |
| Net loans and leases to total assets | 68.8507% | 2,566 |
| Net loans and leases to deposits | 78.8952% | 2,953 |
| Net loans and leases to core deposits | 88.0468% | 2,599 |
| Total domestic deposits to total assets | 87.2685% | 2,001 |
| Equity capital to assets | 10.2958% | 3,628 |
| Core capital (leverage) ratio | 10.2591% | 3,196 |
| Tier 1 risk-based capital ratio | 14.7631% | 3,297 |
| Total risk-based capital ratio | 16.0159% | 3,228 |
| Memoranda: | ||
| Average total assets | $66,567,600 | 5,167 |
| Average earning assets | $58,604,800 | 5,223 |
| Average equity | $7,063,600 | 5,231 |
| Average total loans | $46,435,000 | 4,778 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8803% | 155 |
| Cost of funding earning assets | 0.4608% | 2,574 |
| Net interest margin | 5.4195% | 141 |
| Noninterest income to average assets | 0.8966% | 1,463 |
| Noninterest expense to average assets | 4.7110% | 359 |
| Loan and lease loss provision to assets | 0.0343% | 3,536 |
| Net operating income to assets | 0.6442% | 4,165 |
| Return on assets (ROA) | 0.6442% | 4,275 |
| Pretax return on assets | 0.9248% | 3,899 |
| Return on Equity (ROE) | 6.0239% | 4,139 |
| Retained earnings to average equity (ytd only) | -0.3021% | 5,660 |
| Net charge-offs to loans | 0.1419% | 1,704 |
| Credit loss provision to net charge-offs | 34.6939% | 3,221 |
| Earnings coverage of net charge-offs (x) | 9.6942% | 2,673 |
| Efficiency ratio | 83.0840% | 1,256 |
| Assets per employee ($millions) | 2.6856% | 5,842 |
| Cash dividends to net income (ytd only)* | 105.0174% | 314 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5487% | 1,971 |
| Loan loss allowance to noncurrent loans | 141.6016% | 2,928 |
| Noncurrent assets plus other real estate owned to assets | 1.5088% | 1,489 |
| Noncurrent loans to loans | 1.0937% | 2,297 |
| Net loans and leases to total assets | 68.6451% | 2,588 |
| Net loans and leases to deposits | 79.0237% | 2,988 |
| Net loans and leases to core deposits | 87.8538% | 2,673 |
| Total domestic deposits to total assets | 86.8664% | 2,111 |
| Equity capital to assets | 10.4973% | 3,608 |
| Core capital (leverage) ratio | 10.5886% | 2,940 |
| Tier 1 risk-based capital ratio | 15.1337% | 3,228 |
| Total risk-based capital ratio | 16.3874% | 3,160 |
| Memoranda: | ||
| Average total assets | $66,027,750 | 5,241 |
| Average earning assets | $58,159,000 | 5,301 |
| Average equity | $7,060,500 | 5,300 |
| Average total loans | $46,045,500 | 4,843 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8177% | 160 |
| Cost of funding earning assets | 0.4577% | 2,634 |
| Net interest margin | 5.3601% | 154 |
| Noninterest income to average assets | 0.9017% | 1,439 |
| Noninterest expense to average assets | 4.5692% | 393 |
| Loan and lease loss provision to assets | 0.0213% | 3,701 |
| Net operating income to assets | 0.7098% | 3,842 |
| Return on assets (ROA) | 0.7098% | 3,970 |
| Pretax return on assets | 1.0205% | 3,496 |
| Return on Equity (ROE) | 6.5962% | 3,830 |
| Retained earnings to average equity (ytd only) | -0.7644% | 5,656 |
| Net charge-offs to loans | 0.1179% | 1,829 |
| Credit loss provision to net charge-offs | 25.9259% | 2,963 |
| Earnings coverage of net charge-offs (x) | 12.6667% | 2,187 |
| Efficiency ratio | 81.4332% | 1,567 |
| Assets per employee ($millions) | 2.6221% | 5,969 |
| Cash dividends to net income (ytd only)* | 111.5880% | 380 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5816% | 1,962 |
| Loan loss allowance to noncurrent loans | 87.1158% | 4,028 |
| Noncurrent assets plus other real estate owned to assets | 2.1174% | 1,013 |
| Noncurrent loans to loans | 1.8156% | 1,404 |
| Net loans and leases to total assets | 69.9587% | 2,318 |
| Net loans and leases to deposits | 80.7025% | 2,696 |
| Net loans and leases to core deposits | 89.9763% | 2,354 |
| Total domestic deposits to total assets | 86.6871% | 2,322 |
| Equity capital to assets | 10.7013% | 3,213 |
| Core capital (leverage) ratio | 10.3738% | 3,111 |
| Tier 1 risk-based capital ratio | 15.2261% | 3,235 |
| Total risk-based capital ratio | 16.4804% | 3,170 |
| Memoranda: | ||
| Average total assets | $65,656,670 | 5,315 |
| Average earning assets | $57,685,670 | 5,377 |
| Average equity | $7,064,670 | 5,343 |
| Average total loans | $45,789,330 | 4,896 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6487% | 210 |
| Cost of funding earning assets | 0.4719% | 2,544 |
| Net interest margin | 5.1768% | 184 |
| Noninterest income to average assets | 0.9375% | 1,275 |
| Noninterest expense to average assets | 4.4560% | 442 |
| Loan and lease loss provision to assets | 0.0426% | 3,060 |
| Net operating income to assets | 0.6940% | 3,831 |
| Return on assets (ROA) | 0.6940% | 3,957 |
| Pretax return on assets | 0.9801% | 3,566 |
| Return on Equity (ROE) | 6.4320% | 3,812 |
| Retained earnings to average equity (ytd only) | 3.6110% | 3,833 |
| Net charge-offs to loans | 0.0969% | 1,749 |
| Credit loss provision to net charge-offs | 63.6364% | 1,964 |
| Earnings coverage of net charge-offs (x) | 15.2727% | 1,629 |
| Efficiency ratio | 81.3333% | 1,710 |
| Assets per employee ($millions) | 2.5181% | 6,097 |
| Cash dividends to net income (ytd only)* | 43.8596% | 1,933 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6694% | 1,818 |
| Loan loss allowance to noncurrent loans | 93.8826% | 3,828 |
| Noncurrent assets plus other real estate owned to assets | 2.1475% | 1,072 |
| Noncurrent loans to loans | 1.7782% | 1,530 |
| Net loans and leases to total assets | 67.6539% | 2,507 |
| Net loans and leases to deposits | 78.3281% | 2,757 |
| Net loans and leases to core deposits | 87.3853% | 2,390 |
| Total domestic deposits to total assets | 86.3724% | 2,726 |
| Equity capital to assets | 10.8844% | 3,108 |
| Core capital (leverage) ratio | 10.8038% | 2,622 |
| Tier 1 risk-based capital ratio | 15.8398% | 2,994 |
| Total risk-based capital ratio | 17.0929% | 2,932 |
| Memoranda: | ||
| Average total assets | $65,708,500 | 5,359 |
| Average earning assets | $57,641,500 | 5,432 |
| Average equity | $7,089,500 | 5,387 |
| Average total loans | $45,385,500 | 4,937 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8224% | 190 |
| Cost of funding earning assets | 0.4918% | 2,752 |
| Net interest margin | 5.3306% | 172 |
| Noninterest income to average assets | 0.8738% | 1,594 |
| Noninterest expense to average assets | 4.5281% | 448 |
| Loan and lease loss provision to assets | 0.0895% | 2,680 |
| Net operating income to assets | 0.6553% | 4,111 |
| Return on assets (ROA) | 0.6553% | 4,215 |
| Pretax return on assets | 0.9253% | 3,799 |
| Return on Equity (ROE) | 6.1751% | 4,069 |
| Retained earnings to average equity (ytd only) | 0.6289% | 5,484 |
| Net charge-offs to loans | 0.3476% | 1,263 |
| Credit loss provision to net charge-offs | 36.6460% | 3,740 |
| Earnings coverage of net charge-offs (x) | 4.1553% | 3,724 |
| Efficiency ratio | 81.6913% | 1,696 |
| Assets per employee ($millions) | 2.7478% | 5,986 |
| Cash dividends to net income (ytd only)* | 89.8148% | 592 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6818% | 1,820 |
| Loan loss allowance to noncurrent loans | 136.1062% | 3,024 |
| Noncurrent assets plus other real estate owned to assets | 1.7696% | 1,486 |
| Noncurrent loans to loans | 1.2356% | 2,385 |
| Net loans and leases to total assets | 68.1714% | 2,532 |
| Net loans and leases to deposits | 78.8180% | 2,862 |
| Net loans and leases to core deposits | 87.8427% | 2,519 |
| Total domestic deposits to total assets | 86.4922% | 2,571 |
| Equity capital to assets | 10.6950% | 3,246 |
| Core capital (leverage) ratio | 10.7110% | 2,705 |
| Tier 1 risk-based capital ratio | 15.2796% | 3,327 |
| Total risk-based capital ratio | 16.5341% | 3,275 |
| Memoranda: | ||
| Average total assets | $65,921,800 | 5,396 |
| Average earning assets | $57,742,600 | 5,464 |
| Average equity | $6,995,800 | 5,414 |
| Average total loans | $46,314,600 | 4,940 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8255% | 186 |
| Cost of funding earning assets | 0.4901% | 2,860 |
| Net interest margin | 5.3354% | 168 |
| Noninterest income to average assets | 0.9386% | 1,401 |
| Noninterest expense to average assets | 4.6058% | 416 |
| Loan and lease loss provision to assets | 0.0910% | 2,531 |
| Net operating income to assets | 0.6614% | 4,151 |
| Return on assets (ROA) | 0.6614% | 4,255 |
| Pretax return on assets | 0.9102% | 3,944 |
| Return on Equity (ROE) | 6.2449% | 4,108 |
| Retained earnings to average equity (ytd only) | -0.2101% | 5,837 |
| Net charge-offs to loans | 0.3874% | 1,030 |
| Credit loss provision to net charge-offs | 33.3333% | 3,398 |
| Earnings coverage of net charge-offs (x) | 3.6666% | 3,616 |
| Efficiency ratio | 82.1429% | 1,601 |
| Assets per employee ($millions) | 2.5117% | 6,218 |
| Cash dividends to net income (ytd only)* | 103.3648% | 323 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7117% | 1,931 |
| Loan loss allowance to noncurrent loans | 112.6984% | 3,382 |
| Noncurrent assets plus other real estate owned to assets | 2.1254% | 1,318 |
| Noncurrent loans to loans | 1.5188% | 2,134 |
| Net loans and leases to total assets | 68.6742% | 2,439 |
| Net loans and leases to deposits | 79.6558% | 2,747 |
| Net loans and leases to core deposits | 89.6868% | 2,260 |
| Total domestic deposits to total assets | 86.2137% | 2,746 |
| Equity capital to assets | 10.7007% | 3,303 |
| Core capital (leverage) ratio | 10.5795% | 2,948 |
| Tier 1 risk-based capital ratio | 15.2897% | 3,426 |
| Total risk-based capital ratio | 16.5458% | 3,363 |
| Memoranda: | ||
| Average total assets | $65,915,500 | 5,455 |
| Average earning assets | $57,676,250 | 5,522 |
| Average equity | $6,981,500 | 5,468 |
| Average total loans | $46,461,750 | 4,986 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7678% | 194 |
| Cost of funding earning assets | 0.4838% | 2,987 |
| Net interest margin | 5.2840% | 172 |
| Noninterest income to average assets | 0.8863% | 1,535 |
| Noninterest expense to average assets | 4.5282% | 438 |
| Loan and lease loss provision to assets | 0.0877% | 2,563 |
| Net operating income to assets | 0.6443% | 4,130 |
| Return on assets (ROA) | 0.6443% | 4,228 |
| Pretax return on assets | 0.8954% | 3,903 |
| Return on Equity (ROE) | 6.1037% | 4,102 |
| Retained earnings to average equity (ytd only) | -2.0919% | 6,005 |
| Net charge-offs to loans | 0.5477% | 742 |
| Credit loss provision to net charge-offs | 22.6563% | 3,161 |
| Earnings coverage of net charge-offs (x) | 2.5391% | 3,525 |
| Efficiency ratio | 82.1625% | 1,719 |
| Assets per employee ($millions) | 2.4712% | 6,316 |
| Cash dividends to net income (ytd only)* | 134.2723% | 281 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7036% | 2,123 |
| Loan loss allowance to noncurrent loans | 94.0317% | 3,776 |
| Noncurrent assets plus other real estate owned to assets | 1.9109% | 1,693 |
| Noncurrent loans to loans | 1.8117% | 1,891 |
| Net loans and leases to total assets | 66.7621% | 2,624 |
| Net loans and leases to deposits | 76.9689% | 2,935 |
| Net loans and leases to core deposits | 87.4186% | 2,374 |
| Total domestic deposits to total assets | 86.7390% | 2,616 |
| Equity capital to assets | 10.3849% | 3,579 |
| Core capital (leverage) ratio | 10.4214% | 3,061 |
| Tier 1 risk-based capital ratio | 15.2616% | 3,490 |
| Total risk-based capital ratio | 16.5178% | 3,435 |
| Memoranda: | ||
| Average total assets | $66,119,330 | 5,501 |
| Average earning assets | $57,873,330 | 5,561 |
| Average equity | $6,979,330 | 5,495 |
| Average total loans | $46,739,670 | 5,012 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7701% | 197 |
| Cost of funding earning assets | 0.4785% | 3,128 |
| Net interest margin | 5.2916% | 161 |
| Noninterest income to average assets | 0.8691% | 1,486 |
| Noninterest expense to average assets | 4.6127% | 407 |
| Loan and lease loss provision to assets | 0.0912% | 2,397 |
| Net operating income to assets | 0.5895% | 4,237 |
| Return on assets (ROA) | 0.5895% | 4,315 |
| Pretax return on assets | 0.8022% | 4,105 |
| Return on Equity (ROE) | 5.5393% | 4,263 |
| Retained earnings to average equity (ytd only) | 2.3414% | 4,664 |
| Net charge-offs to loans | 0.8177% | 425 |
| Credit loss provision to net charge-offs | 15.4639% | 2,556 |
| Earnings coverage of net charge-offs (x) | 1.5155% | 3,079 |
| Efficiency ratio | 83.7748% | 1,698 |
| Assets per employee ($millions) | 2.5268% | 6,353 |
| Cash dividends to net income (ytd only)* | 57.7320% | 1,472 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6555% | 2,490 |
| Loan loss allowance to noncurrent loans | 81.3402% | 4,135 |
| Noncurrent assets plus other real estate owned to assets | 2.0930% | 1,605 |
| Noncurrent loans to loans | 2.0352% | 1,829 |
| Net loans and leases to total assets | 71.3453% | 1,674 |
| Net loans and leases to deposits | 82.4976% | 2,007 |
| Net loans and leases to core deposits | 93.2311% | 1,617 |
| Total domestic deposits to total assets | 86.4817% | 3,120 |
| Equity capital to assets | 10.6993% | 3,043 |
| Core capital (leverage) ratio | 10.7255% | 2,674 |
| Tier 1 risk-based capital ratio | 14.9698% | 3,726 |
| Total risk-based capital ratio | 16.2257% | 3,677 |
| Memoranda: | ||
| Average total assets | $65,818,000 | 5,571 |
| Average earning assets | $57,676,500 | 5,620 |
| Average equity | $7,004,500 | 5,518 |
| Average total loans | $47,451,000 | 5,027 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9721% | 183 |
| Cost of funding earning assets | 0.5222% | 3,378 |
| Net interest margin | 5.4499% | 146 |
| Noninterest income to average assets | 0.6402% | 2,864 |
| Noninterest expense to average assets | 4.5151% | 524 |
| Loan and lease loss provision to assets | 0.0760% | 3,586 |
| Net operating income to assets | 0.5916% | 4,306 |
| Return on assets (ROA) | 0.5916% | 4,415 |
| Pretax return on assets | 0.8106% | 4,106 |
| Return on Equity (ROE) | 5.6436% | 4,307 |
| Retained earnings to average equity (ytd only) | 2.3793% | 4,550 |
| Net charge-offs to loans | 0.1657% | 3,153 |
| Credit loss provision to net charge-offs | 64.9351% | 3,429 |
| Earnings coverage of net charge-offs (x) | 7.5714% | 2,812 |
| Efficiency ratio | 83.5867% | 1,678 |
| Assets per employee ($millions) | 2.7475% | 6,169 |
| Cash dividends to net income (ytd only)* | 57.8406% | 1,876 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8437% | 1,938 |
| Loan loss allowance to noncurrent loans | 99.6568% | 3,618 |
| Noncurrent assets plus other real estate owned to assets | 1.9032% | 1,902 |
| Noncurrent loans to loans | 1.8500% | 2,171 |
| Net loans and leases to total assets | 70.3230% | 1,962 |
| Net loans and leases to deposits | 81.1846% | 2,299 |
| Net loans and leases to core deposits | 91.5157% | 1,845 |
| Total domestic deposits to total assets | 86.6212% | 2,928 |
| Equity capital to assets | 10.5854% | 3,065 |
| Core capital (leverage) ratio | 10.7157% | 2,660 |
| Tier 1 risk-based capital ratio | 15.1558% | 3,574 |
| Total risk-based capital ratio | 16.4141% | 3,514 |
| Memoranda: | ||
| Average total assets | $65,757,400 | 5,601 |
| Average earning assets | $57,450,600 | 5,668 |
| Average equity | $6,892,800 | 5,597 |
| Average total loans | $46,462,400 | 5,093 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9298% | 197 |
| Cost of funding earning assets | 0.5401% | 3,358 |
| Net interest margin | 5.3897% | 163 |
| Noninterest income to average assets | 0.5519% | 3,441 |
| Noninterest expense to average assets | 4.5734% | 479 |
| Loan and lease loss provision to assets | 0.1015% | 3,072 |
| Net operating income to assets | 0.4383% | 5,078 |
| Return on assets (ROA) | 0.4383% | 5,226 |
| Pretax return on assets | 0.5742% | 5,118 |
| Return on Equity (ROE) | 4.1914% | 5,134 |
| Retained earnings to average equity (ytd only) | 0.3104% | 5,843 |
| Net charge-offs to loans | 0.1556% | 2,992 |
| Credit loss provision to net charge-offs | 92.5926% | 2,565 |
| Earnings coverage of net charge-offs (x) | 6.1665% | 3,027 |
| Efficiency ratio | 87.1279% | 1,244 |
| Assets per employee ($millions) | 2.5603% | 6,416 |
| Cash dividends to net income (ytd only)* | 92.5935% | 523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8753% | 2,071 |
| Loan loss allowance to noncurrent loans | 74.8744% | 4,239 |
| Noncurrent assets plus other real estate owned to assets | 2.2326% | 1,779 |
| Noncurrent loans to loans | 2.5046% | 1,728 |
| Net loans and leases to total assets | 73.0842% | 1,434 |
| Net loans and leases to deposits | 84.9431% | 1,751 |
| Net loans and leases to core deposits | 94.2954% | 1,540 |
| Total domestic deposits to total assets | 86.0390% | 3,231 |
| Equity capital to assets | 10.7020% | 3,066 |
| Core capital (leverage) ratio | 10.5274% | 2,976 |
| Tier 1 risk-based capital ratio | 14.8691% | 3,835 |
| Total risk-based capital ratio | 16.1279% | 3,786 |
| Memoranda: | ||
| Average total assets | $65,711,750 | 5,658 |
| Average earning assets | $57,268,500 | 5,737 |
| Average equity | $6,871,000 | 5,676 |
| Average total loans | $46,267,500 | 5,147 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8458% | 224 |
| Cost of funding earning assets | 0.5465% | 3,454 |
| Net interest margin | 5.2993% | 185 |
| Noninterest income to average assets | 3.4249% | 211 |
| Noninterest expense to average assets | 7.2480% | 140 |
| Loan and lease loss provision to assets | 0.1328% | 2,663 |
| Net operating income to assets | 0.5130% | 4,751 |
| Return on assets (ROA) | 0.5130% | 4,914 |
| Pretax return on assets | 0.6669% | 4,791 |
| Return on Equity (ROE) | 4.9433% | 4,758 |
| Retained earnings to average equity (ytd only) | -0.8723% | 6,028 |
| Net charge-offs to loans | 0.1747% | 2,724 |
| Credit loss provision to net charge-offs | 110.0000% | 2,010 |
| Earnings coverage of net charge-offs (x) | 6.6250% | 2,685 |
| Efficiency ratio | 90.0637% | 1,052 |
| Assets per employee ($millions) | 2.1338% | 6,703 |
| Cash dividends to net income (ytd only)* | 117.6471% | 357 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9771% | 1,901 |
| Loan loss allowance to noncurrent loans | 92.1348% | 3,643 |
| Noncurrent assets plus other real estate owned to assets | 2.4041% | 1,769 |
| Noncurrent loans to loans | 2.1458% | 2,234 |
| Net loans and leases to total assets | 69.8602% | 1,910 |
| Net loans and leases to deposits | 80.8917% | 2,200 |
| Net loans and leases to core deposits | 88.6829% | 2,036 |
| Total domestic deposits to total assets | 86.3626% | 3,179 |
| Equity capital to assets | 10.6178% | 3,150 |
| Core capital (leverage) ratio | 10.2950% | 3,105 |
| Tier 1 risk-based capital ratio | 15.3455% | 3,568 |
| Total risk-based capital ratio | 16.6040% | 3,521 |
| Memoranda: | ||
| Average total assets | $66,280,000 | 5,681 |
| Average earning assets | $57,819,000 | 5,752 |
| Average equity | $6,878,000 | 5,715 |
| Average total loans | $45,799,000 | 5,195 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7572% | 252 |
| Cost of funding earning assets | 0.5778% | 3,312 |
| Net interest margin | 5.1794% | 200 |
| Noninterest income to average assets | 2.9549% | 255 |
| Noninterest expense to average assets | 6.6041% | 167 |
| Loan and lease loss provision to assets | 0.1305% | 2,612 |
| Net operating income to assets | 0.5637% | 4,391 |
| Return on assets (ROA) | 0.5637% | 4,542 |
| Pretax return on assets | 0.7417% | 4,405 |
| Return on Equity (ROE) | 5.4925% | 4,313 |
| Retained earnings to average equity (ytd only) | -0.2891% | 5,831 |
| Net charge-offs to loans | 0.3225% | 1,670 |
| Credit loss provision to net charge-offs | 59.4595% | 2,465 |
| Earnings coverage of net charge-offs (x) | 3.9730% | 2,639 |
| Efficiency ratio | 88.3333% | 1,297 |
| Assets per employee ($millions) | 2.5930% | 6,498 |
| Cash dividends to net income (ytd only)* | 105.2632% | 593 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9509% | 2,171 |
| Loan loss allowance to noncurrent loans | 59.5013% | 4,742 |
| Noncurrent assets plus other real estate owned to assets | 3.0126% | 1,490 |
| Noncurrent loans to loans | 3.2787% | 1,481 |
| Net loans and leases to total assets | 65.8276% | 2,396 |
| Net loans and leases to deposits | 75.7644% | 2,674 |
| Net loans and leases to core deposits | 82.6071% | 2,499 |
| Total domestic deposits to total assets | 86.8846% | 3,029 |
| Equity capital to assets | 10.2511% | 3,856 |
| Core capital (leverage) ratio | 10.1969% | 3,153 |
| Tier 1 risk-based capital ratio | 15.4355% | 3,571 |
| Total risk-based capital ratio | 16.6945% | 3,523 |
| Memoranda: | ||
| Average total assets | $67,412,500 | 5,699 |
| Average earning assets | $58,848,500 | 5,781 |
| Average equity | $6,918,500 | 5,765 |
| Average total loans | $45,887,000 | 5,218 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9767% | 272 |
| Cost of funding earning assets | 0.6925% | 3,558 |
| Net interest margin | 5.2842% | 237 |
| Noninterest income to average assets | 4.8841% | 152 |
| Noninterest expense to average assets | 7.8418% | 116 |
| Loan and lease loss provision to assets | 0.3363% | 1,998 |
| Net operating income to assets | 0.9490% | 2,552 |
| Return on assets (ROA) | 0.9490% | 2,803 |
| Pretax return on assets | 1.3017% | 2,389 |
| Return on Equity (ROE) | 9.2345% | 2,524 |
| Retained earnings to average equity (ytd only) | 4.1446% | 3,310 |
| Net charge-offs to loans | 0.2188% | 3,638 |
| Credit loss provision to net charge-offs | 225.0000% | 1,108 |
| Earnings coverage of net charge-offs (x) | 10.9600% | 2,083 |
| Efficiency ratio | 82.7211% | 1,784 |
| Assets per employee ($millions) | 2.6963% | 6,428 |
| Cash dividends to net income (ytd only)* | 55.1181% | 2,048 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9307% | 2,196 |
| Loan loss allowance to noncurrent loans | 58.8852% | 4,706 |
| Noncurrent assets plus other real estate owned to assets | 3.0189% | 1,567 |
| Noncurrent loans to loans | 3.2787% | 1,564 |
| Net loans and leases to total assets | 67.6685% | 2,245 |
| Net loans and leases to deposits | 77.9687% | 2,537 |
| Net loans and leases to core deposits | 85.0135% | 2,427 |
| Total domestic deposits to total assets | 86.7894% | 2,942 |
| Equity capital to assets | 10.2747% | 3,794 |
| Core capital (leverage) ratio | 10.2276% | 3,100 |
| Tier 1 risk-based capital ratio | 15.3201% | 3,530 |
| Total risk-based capital ratio | 16.5798% | 3,482 |
| Memoranda: | ||
| Average total assets | $66,910,600 | 5,715 |
| Average earning assets | $58,192,400 | 5,808 |
| Average equity | $6,876,400 | 5,797 |
| Average total loans | $45,713,200 | 5,260 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0356% | 272 |
| Cost of funding earning assets | 0.7263% | 3,548 |
| Net interest margin | 5.3093% | 239 |
| Noninterest income to average assets | 4.8192% | 148 |
| Noninterest expense to average assets | 7.6920% | 118 |
| Loan and lease loss provision to assets | 0.1038% | 4,280 |
| Net operating income to assets | 1.1579% | 1,876 |
| Return on assets (ROA) | 1.1579% | 2,071 |
| Pretax return on assets | 1.6350% | 1,467 |
| Return on Equity (ROE) | 11.2662% | 1,866 |
| Retained earnings to average equity (ytd only) | 6.6238% | 2,314 |
| Net charge-offs to loans | 0.2666% | 3,122 |
| Credit loss provision to net charge-offs | 57.1429% | 4,231 |
| Earnings coverage of net charge-offs (x) | 9.5714% | 2,307 |
| Efficiency ratio | 81.5622% | 1,855 |
| Assets per employee ($millions) | 2.7462% | 6,438 |
| Cash dividends to net income (ytd only)* | 41.2073% | 2,102 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6335% | 3,398 |
| Loan loss allowance to noncurrent loans | 64.7266% | 4,444 |
| Noncurrent assets plus other real estate owned to assets | 2.6495% | 1,991 |
| Noncurrent loans to loans | 2.5236% | 2,260 |
| Net loans and leases to total assets | 64.3823% | 2,956 |
| Net loans and leases to deposits | 74.3174% | 3,235 |
| Net loans and leases to core deposits | 80.9305% | 3,095 |
| Total domestic deposits to total assets | 86.6315% | 2,895 |
| Equity capital to assets | 10.1888% | 4,221 |
| Core capital (leverage) ratio | 10.1507% | 3,346 |
| Tier 1 risk-based capital ratio | 15.6851% | 3,437 |
| Total risk-based capital ratio | 16.9393% | 3,397 |
| Memoranda: | ||
| Average total assets | $66,786,250 | 5,785 |
| Average earning assets | $58,010,000 | 5,881 |
| Average equity | $6,864,000 | 5,866 |
| Average total loans | $45,513,500 | 5,321 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1056% | 256 |
| Cost of funding earning assets | 0.7445% | 3,649 |
| Net interest margin | 5.3611% | 225 |
| Noninterest income to average assets | 5.2536% | 133 |
| Noninterest expense to average assets | 7.9379% | 115 |
| Loan and lease loss provision to assets | 0.0907% | 4,435 |
| Net operating income to assets | 1.3059% | 1,424 |
| Return on assets (ROA) | 1.3059% | 1,574 |
| Pretax return on assets | 1.8832% | 873 |
| Return on Equity (ROE) | 12.6680% | 1,452 |
| Retained earnings to average equity (ytd only) | 12.6680% | 483 |
| Net charge-offs to loans | 0.2713% | 2,958 |
| Credit loss provision to net charge-offs | 48.3871% | 4,072 |
| Earnings coverage of net charge-offs (x) | 10.5323% | 2,041 |
| Efficiency ratio | 80.0854% | 2,156 |
| Assets per employee ($millions) | 2.6644% | 6,580 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6487% | 3,433 |
| Loan loss allowance to noncurrent loans | 86.2631% | 3,579 |
| Noncurrent assets plus other real estate owned to assets | 2.3284% | 2,399 |
| Noncurrent loans to loans | 1.9113% | 3,061 |
| Net loans and leases to total assets | 63.8089% | 3,078 |
| Net loans and leases to deposits | 73.6287% | 3,351 |
| Net loans and leases to core deposits | 80.1084% | 3,202 |
| Total domestic deposits to total assets | 86.6631% | 2,975 |
| Equity capital to assets | 10.2261% | 4,023 |
| Core capital (leverage) ratio | 10.1088% | 3,260 |
| Tier 1 risk-based capital ratio | 15.9255% | 3,197 |
| Total risk-based capital ratio | 17.1801% | 3,167 |
| Memoranda: | ||
| Average total assets | $66,163,670 | 5,841 |
| Average earning assets | $57,488,670 | 5,923 |
| Average equity | $6,820,330 | 5,901 |
| Average total loans | $45,706,330 | 5,354 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4098% | 181 |
| Cost of funding earning assets | 0.7448% | 3,906 |
| Net interest margin | 5.6650% | 147 |
| Noninterest income to average assets | 3.2256% | 216 |
| Noninterest expense to average assets | 7.5594% | 126 |
| Loan and lease loss provision to assets | 0.0433% | 4,856 |
| Net operating income to assets | 0.4086% | 5,219 |
| Return on assets (ROA) | 0.4086% | 5,404 |
| Pretax return on assets | 0.5201% | 5,364 |
| Return on Equity (ROE) | 3.9471% | 5,319 |
| Retained earnings to average equity (ytd only) | 3.9471% | 4,217 |
| Net charge-offs to loans | 0.1389% | 3,268 |
| Credit loss provision to net charge-offs | 43.7500% | 3,383 |
| Earnings coverage of net charge-offs (x) | 5.6875% | 2,315 |
| Efficiency ratio | 93.0640% | 881 |
| Assets per employee ($millions) | 2.6343% | 6,706 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6817% | 3,423 |
| Loan loss allowance to noncurrent loans | 84.7947% | 3,512 |
| Noncurrent assets plus other real estate owned to assets | 2.9215% | 1,977 |
| Noncurrent loans to loans | 1.9833% | 3,184 |
| Net loans and leases to total assets | 67.8227% | 2,142 |
| Net loans and leases to deposits | 77.9865% | 2,510 |
| Net loans and leases to core deposits | 85.1966% | 2,383 |
| Total domestic deposits to total assets | 86.9672% | 2,968 |
| Equity capital to assets | 10.1918% | 3,862 |
| Core capital (leverage) ratio | 10.4832% | 2,769 |
| Tier 1 risk-based capital ratio | 15.1141% | 3,678 |
| Total risk-based capital ratio | 16.3706% | 3,636 |
| Memoranda: | ||
| Average total assets | $64,608,500 | 5,936 |
| Average earning assets | $55,852,000 | 6,008 |
| Average equity | $6,688,500 | 5,968 |
| Average total loans | $46,087,500 | 5,375 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8456% | 115 |
| Cost of funding earning assets | 0.9841% | 3,485 |
| Net interest margin | 5.8615% | 109 |
| Noninterest income to average assets | 3.2680% | 192 |
| Noninterest expense to average assets | 7.3644% | 127 |
| Loan and lease loss provision to assets | 0.2205% | 3,991 |
| Net operating income to assets | 0.5187% | 4,348 |
| Return on assets (ROA) | 0.5187% | 4,557 |
| Pretax return on assets | 0.7522% | 4,147 |
| Return on Equity (ROE) | 4.8038% | 4,477 |
| Retained earnings to average equity (ytd only) | -1.1559% | 6,036 |
| Net charge-offs to loans | 0.4323% | 3,270 |
| Credit loss provision to net charge-offs | 69.3878% | 4,871 |
| Earnings coverage of net charge-offs (x) | 3.0612% | 3,677 |
| Efficiency ratio | 88.3337% | 1,334 |
| Assets per employee ($millions) | 2.1848% | 7,087 |
| Cash dividends to net income (ytd only)* | 124.0625% | 200 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6537% | 3,364 |
| Loan loss allowance to noncurrent loans | 101.8445% | 3,005 |
| Noncurrent assets plus other real estate owned to assets | 2.9182% | 2,068 |
| Noncurrent loans to loans | 1.6237% | 3,724 |
| Net loans and leases to total assets | 72.5568% | 1,547 |
| Net loans and leases to deposits | 84.0362% | 1,918 |
| Net loans and leases to core deposits | 92.1985% | 1,866 |
| Total domestic deposits to total assets | 86.3400% | 3,120 |
| Equity capital to assets | 10.5193% | 3,517 |
| Core capital (leverage) ratio | 10.4386% | 2,804 |
| Tier 1 risk-based capital ratio | 14.9708% | 3,654 |
| Total risk-based capital ratio | 16.2279% | 3,610 |
| Memoranda: | ||
| Average total assets | $61,688,800 | 5,990 |
| Average earning assets | $53,348,200 | 6,066 |
| Average equity | $6,661,400 | 5,969 |
| Average total loans | $45,338,800 | 5,452 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8289% | 126 |
| Cost of funding earning assets | 1.0227% | 3,517 |
| Net interest margin | 5.8062% | 115 |
| Noninterest income to average assets | 1.0467% | 1,226 |
| Noninterest expense to average assets | 4.9636% | 382 |
| Loan and lease loss provision to assets | 0.2959% | 3,160 |
| Net operating income to assets | 0.6137% | 4,028 |
| Return on assets (ROA) | 0.6137% | 4,210 |
| Pretax return on assets | 0.8030% | 4,120 |
| Return on Equity (ROE) | 5.6451% | 4,210 |
| Retained earnings to average equity (ytd only) | -1.5814% | 6,240 |
| Net charge-offs to loans | 0.3201% | 3,502 |
| Credit loss provision to net charge-offs | 125.9259% | 2,545 |
| Earnings coverage of net charge-offs (x) | 4.6758% | 2,989 |
| Efficiency ratio | 81.8737% | 1,999 |
| Assets per employee ($millions) | 2.4011% | 6,986 |
| Cash dividends to net income (ytd only)* | 128.0140% | 156 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8777% | 2,684 |
| Loan loss allowance to noncurrent loans | 97.1783% | 3,031 |
| Noncurrent assets plus other real estate owned to assets | 2.9570% | 2,179 |
| Noncurrent loans to loans | 1.9323% | 3,460 |
| Net loans and leases to total assets | 72.0702% | 1,688 |
| Net loans and leases to deposits | 83.9090% | 2,019 |
| Net loans and leases to core deposits | 92.2572% | 1,974 |
| Total domestic deposits to total assets | 85.8909% | 3,272 |
| Equity capital to assets | 10.6923% | 3,475 |
| Core capital (leverage) ratio | 10.6412% | 2,717 |
| Tier 1 risk-based capital ratio | 15.5524% | 3,356 |
| Total risk-based capital ratio | 16.8113% | 3,312 |
| Memoranda: | ||
| Average total assets | $61,271,000 | 6,051 |
| Average earning assets | $52,931,000 | 6,131 |
| Average equity | $6,660,500 | 6,010 |
| Average total loans | $44,987,250 | 5,517 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8047% | 138 |
| Cost of funding earning assets | 1.0872% | 3,336 |
| Net interest margin | 5.7175% | 127 |
| Noninterest income to average assets | 1.1464% | 978 |
| Noninterest expense to average assets | 4.9437% | 387 |
| Loan and lease loss provision to assets | 0.3581% | 2,638 |
| Net operating income to assets | 0.5978% | 4,076 |
| Return on assets (ROA) | 0.5978% | 4,213 |
| Pretax return on assets | 0.7851% | 4,087 |
| Return on Equity (ROE) | 5.4690% | 4,227 |
| Retained earnings to average equity (ytd only) | -2.8247% | 6,355 |
| Net charge-offs to loans | 0.0940% | 4,740 |
| Credit loss provision to net charge-offs | 519.0476% | 592 |
| Earnings coverage of net charge-offs (x) | 16.5714% | 1,332 |
| Efficiency ratio | 81.2196% | 2,214 |
| Assets per employee ($millions) | 2.0859% | 7,238 |
| Cash dividends to net income (ytd only)* | 151.6484% | 173 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0555% | 2,222 |
| Loan loss allowance to noncurrent loans | 90.4715% | 3,144 |
| Noncurrent assets plus other real estate owned to assets | 3.3757% | 1,955 |
| Noncurrent loans to loans | 2.2720% | 3,136 |
| Net loans and leases to total assets | 72.5496% | 1,674 |
| Net loans and leases to deposits | 84.7596% | 1,981 |
| Net loans and leases to core deposits | 93.5177% | 1,958 |
| Total domestic deposits to total assets | 85.5946% | 3,566 |
| Equity capital to assets | 10.9901% | 2,966 |
| Core capital (leverage) ratio | 10.6093% | 2,610 |
| Tier 1 risk-based capital ratio | 15.7569% | 3,101 |
| Total risk-based capital ratio | 17.0186% | 3,072 |
| Memoranda: | ||
| Average total assets | $60,885,330 | 6,109 |
| Average earning assets | $52,610,330 | 6,205 |
| Average equity | $6,655,670 | 6,030 |
| Average total loans | $44,698,670 | 5,581 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7843% | 143 |
| Cost of funding earning assets | 1.1522% | 3,149 |
| Net interest margin | 5.6321% | 137 |
| Noninterest income to average assets | 0.9626% | 1,426 |
| Noninterest expense to average assets | 4.6887% | 492 |
| Loan and lease loss provision to assets | 0.3536% | 2,431 |
| Net operating income to assets | 0.6156% | 3,964 |
| Return on assets (ROA) | 0.6156% | 4,028 |
| Pretax return on assets | 0.7858% | 3,950 |
| Return on Equity (ROE) | 5.6461% | 4,089 |
| Retained earnings to average equity (ytd only) | 0.7808% | 5,512 |
| Net charge-offs to loans | 0.2061% | 3,275 |
| Credit loss provision to net charge-offs | 234.7826% | 1,311 |
| Earnings coverage of net charge-offs (x) | 7.5652% | 1,935 |
| Efficiency ratio | 80.4494% | 2,446 |
| Assets per employee ($millions) | 2.2863% | 7,194 |
| Cash dividends to net income (ytd only)* | 86.1702% | 745 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9622% | 2,510 |
| Loan loss allowance to noncurrent loans | 115.9732% | 2,498 |
| Noncurrent assets plus other real estate owned to assets | 3.0504% | 2,261 |
| Noncurrent loans to loans | 1.6919% | 3,952 |
| Net loans and leases to total assets | 69.9331% | 2,139 |
| Net loans and leases to deposits | 81.4202% | 2,461 |
| Net loans and leases to core deposits | 89.5845% | 2,398 |
| Total domestic deposits to total assets | 85.8916% | 3,587 |
| Equity capital to assets | 10.7907% | 2,888 |
| Core capital (leverage) ratio | 10.8242% | 2,338 |
| Tier 1 risk-based capital ratio | 16.0960% | 2,859 |
| Total risk-based capital ratio | 17.3567% | 2,828 |
| Memoranda: | ||
| Average total assets | $61,082,500 | 6,154 |
| Average earning assets | $52,769,000 | 6,246 |
| Average equity | $6,659,500 | 6,038 |
| Average total loans | $44,644,500 | 5,630 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8862% | 168 |
| Cost of funding earning assets | 1.3491% | 3,581 |
| Net interest margin | 5.5371% | 161 |
| Noninterest income to average assets | 0.8661% | 1,991 |
| Noninterest expense to average assets | 4.6714% | 560 |
| Loan and lease loss provision to assets | 0.2468% | 4,819 |
| Net operating income to assets | 0.5780% | 3,767 |
| Return on assets (ROA) | 0.5780% | 3,928 |
| Pretax return on assets | 0.7770% | 3,704 |
| Return on Equity (ROE) | 5.3795% | 3,912 |
| Retained earnings to average equity (ytd only) | -0.5483% | 5,716 |
| Net charge-offs to loans | 0.4423% | 3,852 |
| Credit loss provision to net charge-offs | 76.7327% | 5,673 |
| Earnings coverage of net charge-offs (x) | 3.1832% | 3,484 |
| Efficiency ratio | 82.0240% | 2,163 |
| Assets per employee ($millions) | 2.1584% | 7,328 |
| Cash dividends to net income (ytd only)* | 110.1928% | 297 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8406% | 2,715 |
| Loan loss allowance to noncurrent loans | 57.2902% | 4,585 |
| Noncurrent assets plus other real estate owned to assets | 3.7196% | 1,848 |
| Noncurrent loans to loans | 3.2128% | 2,364 |
| Net loans and leases to total assets | 73.5042% | 1,766 |
| Net loans and leases to deposits | 86.1044% | 2,076 |
| Net loans and leases to core deposits | 94.9514% | 2,134 |
| Total domestic deposits to total assets | 85.3663% | 3,684 |
| Equity capital to assets | 11.0166% | 2,666 |
| Core capital (leverage) ratio | 10.8312% | 2,282 |
| Tier 1 risk-based capital ratio | 16.0540% | 2,725 |
| Total risk-based capital ratio | 17.3140% | 2,681 |
| Memoranda: | ||
| Average total assets | $62,808,200 | 6,096 |
| Average earning assets | $54,776,400 | 6,182 |
| Average equity | $6,747,800 | 6,124 |
| Average total loans | $45,673,400 | 5,671 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8208% | 195 |
| Cost of funding earning assets | 1.3897% | 3,638 |
| Net interest margin | 5.4312% | 195 |
| Noninterest income to average assets | 0.8517% | 1,990 |
| Noninterest expense to average assets | 4.4961% | 600 |
| Loan and lease loss provision to assets | 0.2082% | 4,982 |
| Net operating income to assets | 0.6687% | 3,551 |
| Return on assets (ROA) | 0.6687% | 3,711 |
| Pretax return on assets | 0.8980% | 3,563 |
| Return on Equity (ROE) | 6.2625% | 3,695 |
| Retained earnings to average equity (ytd only) | -1.6149% | 6,119 |
| Net charge-offs to loans | 0.3146% | 4,079 |
| Credit loss provision to net charge-offs | 91.6667% | 4,703 |
| Earnings coverage of net charge-offs (x) | 4.8703% | 2,911 |
| Efficiency ratio | 80.2553% | 2,301 |
| Assets per employee ($millions) | 2.2877% | 7,318 |
| Cash dividends to net income (ytd only)* | 125.7860% | 191 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9076% | 2,462 |
| Loan loss allowance to noncurrent loans | 72.8870% | 3,670 |
| Noncurrent assets plus other real estate owned to assets | 3.0469% | 2,378 |
| Noncurrent loans to loans | 2.6172% | 3,005 |
| Net loans and leases to total assets | 72.5117% | 2,128 |
| Net loans and leases to deposits | 84.8614% | 2,545 |
| Net loans and leases to core deposits | 93.3649% | 2,612 |
| Total domestic deposits to total assets | 85.4472% | 3,381 |
| Equity capital to assets | 10.8568% | 3,107 |
| Core capital (leverage) ratio | 10.6768% | 2,529 |
| Tier 1 risk-based capital ratio | 15.7156% | 2,900 |
| Total risk-based capital ratio | 16.9765% | 2,854 |
| Memoranda: | ||
| Average total assets | $63,401,250 | 6,149 |
| Average earning assets | $55,456,000 | 6,216 |
| Average equity | $6,770,250 | 6,191 |
| Average total loans | $45,777,750 | 5,746 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7006% | 245 |
| Cost of funding earning assets | 1.4225% | 3,732 |
| Net interest margin | 5.2781% | 251 |
| Noninterest income to average assets | 0.8007% | 2,109 |
| Noninterest expense to average assets | 4.4194% | 635 |
| Loan and lease loss provision to assets | 0.1845% | 5,027 |
| Net operating income to assets | 0.6036% | 3,866 |
| Return on assets (ROA) | 0.6036% | 4,000 |
| Pretax return on assets | 0.8038% | 3,867 |
| Return on Equity (ROE) | 5.6834% | 3,953 |
| Retained earnings to average equity (ytd only) | -1.6785% | 6,095 |
| Net charge-offs to loans | 0.2183% | 4,294 |
| Credit loss provision to net charge-offs | 118.0000% | 3,442 |
| Earnings coverage of net charge-offs (x) | 6.3200% | 2,476 |
| Efficiency ratio | 81.7235% | 2,207 |
| Assets per employee ($millions) | 2.3379% | 7,315 |
| Cash dividends to net income (ytd only)* | 129.5337% | 238 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9462% | 2,311 |
| Loan loss allowance to noncurrent loans | 53.4576% | 4,733 |
| Noncurrent assets plus other real estate owned to assets | 3.0812% | 2,306 |
| Noncurrent loans to loans | 3.6407% | 2,168 |
| Net loans and leases to total assets | 70.9540% | 2,671 |
| Net loans and leases to deposits | 82.0822% | 3,258 |
| Net loans and leases to core deposits | 91.8485% | 3,011 |
| Total domestic deposits to total assets | 86.4426% | 2,851 |
| Equity capital to assets | 10.6505% | 3,217 |
| Core capital (leverage) ratio | 10.3556% | 2,765 |
| Tier 1 risk-based capital ratio | 15.8115% | 2,755 |
| Total risk-based capital ratio | 17.0728% | 2,712 |
| Memoranda: | ||
| Average total assets | $63,945,670 | 6,181 |
| Average earning assets | $55,816,000 | 6,247 |
| Average equity | $6,791,670 | 6,206 |
| Average total loans | $45,817,000 | 5,771 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6075% | 303 |
| Cost of funding earning assets | 1.4423% | 3,924 |
| Net interest margin | 5.1652% | 314 |
| Noninterest income to average assets | 0.7583% | 2,248 |
| Noninterest expense to average assets | 4.2078% | 802 |
| Loan and lease loss provision to assets | 0.1865% | 4,643 |
| Net operating income to assets | 0.6526% | 3,651 |
| Return on assets (ROA) | 0.6526% | 3,773 |
| Pretax return on assets | 0.8826% | 3,529 |
| Return on Equity (ROE) | 6.1529% | 3,799 |
| Retained earnings to average equity (ytd only) | 6.1529% | 2,549 |
| Net charge-offs to loans | 0.1133% | 4,303 |
| Credit loss provision to net charge-offs | 230.7692% | 1,651 |
| Earnings coverage of net charge-offs (x) | 13.2308% | 1,514 |
| Efficiency ratio | 79.7409% | 2,606 |
| Assets per employee ($millions) | 2.3695% | 7,374 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9510% | 2,308 |
| Loan loss allowance to noncurrent loans | 51.4630% | 4,888 |
| Noncurrent assets plus other real estate owned to assets | 2.8901% | 2,484 |
| Noncurrent loans to loans | 3.7911% | 2,086 |
| Net loans and leases to total assets | 70.4624% | 2,808 |
| Net loans and leases to deposits | 81.5821% | 3,358 |
| Net loans and leases to core deposits | 93.0116% | 2,974 |
| Total domestic deposits to total assets | 86.3699% | 2,952 |
| Equity capital to assets | 10.7431% | 3,014 |
| Core capital (leverage) ratio | 10.4911% | 2,630 |
| Tier 1 risk-based capital ratio | 16.0246% | 2,650 |
| Total risk-based capital ratio | 17.2843% | 2,597 |
| Memoranda: | ||
| Average total assets | $64,356,500 | 6,229 |
| Average earning assets | $56,299,500 | 6,309 |
| Average equity | $6,826,000 | 6,247 |
| Average total loans | $45,886,500 | 5,842 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8818% | 330 |
| Cost of funding earning assets | 1.9344% | 3,278 |
| Net interest margin | 4.9474% | 500 |
| Noninterest income to average assets | 0.8313% | 2,265 |
| Noninterest expense to average assets | 4.3370% | 944 |
| Loan and lease loss provision to assets | 0.1295% | 6,342 |
| Net operating income to assets | 0.5602% | 3,484 |
| Return on assets (ROA) | 0.5602% | 3,565 |
| Pretax return on assets | 0.7439% | 3,430 |
| Return on Equity (ROE) | 5.5070% | 3,420 |
| Retained earnings to average equity (ytd only) | 2.4722% | 3,411 |
| Net charge-offs to loans | 0.2149% | 5,282 |
| Credit loss provision to net charge-offs | 89.5833% | 6,012 |
| Earnings coverage of net charge-offs (x) | 6.0417% | 2,446 |
| Efficiency ratio | 83.2370% | 2,451 |
| Assets per employee ($millions) | 2.3120% | 7,460 |
| Cash dividends to net income (ytd only)* | 55.1075% | 2,233 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9215% | 2,211 |
| Loan loss allowance to noncurrent loans | 72.2496% | 3,798 |
| Noncurrent assets plus other real estate owned to assets | 2.2460% | 3,075 |
| Noncurrent loans to loans | 2.6596% | 2,885 |
| Net loans and leases to total assets | 69.3838% | 3,392 |
| Net loans and leases to deposits | 80.3108% | 3,931 |
| Net loans and leases to core deposits | 108.5371% | 3,049 |
| Total domestic deposits to total assets | 86.3942% | 2,818 |
| Equity capital to assets | 10.4716% | 3,217 |
| Core capital (leverage) ratio | 10.2629% | 2,816 |
| Tier 1 risk-based capital ratio | 15.6790% | 2,646 |
| Total risk-based capital ratio | 16.9380% | 2,589 |
| Memoranda: | ||
| Average total assets | $66,405,400 | 6,131 |
| Average earning assets | $58,778,600 | 6,178 |
| Average equity | $6,755,000 | 6,351 |
| Average total loans | $44,667,000 | 5,896 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8715% | 375 |
| Cost of funding earning assets | 2.0345% | 3,190 |
| Net interest margin | 4.8370% | 643 |
| Noninterest income to average assets | 0.8081% | 2,387 |
| Noninterest expense to average assets | 4.2180% | 1,013 |
| Loan and lease loss provision to assets | 0.1117% | 6,251 |
| Net operating income to assets | 0.5786% | 3,687 |
| Return on assets (ROA) | 0.5786% | 3,752 |
| Pretax return on assets | 0.7762% | 3,608 |
| Return on Equity (ROE) | 5.7291% | 3,640 |
| Retained earnings to average equity (ytd only) | 3.4573% | 3,365 |
| Net charge-offs to loans | 0.2373% | 4,566 |
| Credit loss provision to net charge-offs | 70.8861% | 5,968 |
| Earnings coverage of net charge-offs (x) | 5.6330% | 2,769 |
| Efficiency ratio | 82.6104% | 2,496 |
| Assets per employee ($millions) | 2.3745% | 7,413 |
| Cash dividends to net income (ytd only)* | 39.6550% | 2,455 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9193% | 1,981 |
| Loan loss allowance to noncurrent loans | 72.2500% | 3,730 |
| Noncurrent assets plus other real estate owned to assets | 2.1599% | 3,147 |
| Noncurrent loans to loans | 2.6565% | 2,849 |
| Net loans and leases to total assets | 66.6391% | 4,275 |
| Net loans and leases to deposits | 80.2394% | 4,343 |
| Net loans and leases to core deposits | 110.9122% | 3,134 |
| Total domestic deposits to total assets | 83.0503% | 4,196 |
| Equity capital to assets | 10.2414% | 3,798 |
| Core capital (leverage) ratio | 10.0848% | 3,196 |
| Tier 1 risk-based capital ratio | 15.8222% | 2,696 |
| Total risk-based capital ratio | 17.0818% | 2,627 |
| Memoranda: | ||
| Average total assets | $66,822,500 | 6,166 |
| Average earning assets | $59,374,000 | 6,193 |
| Average equity | $6,749,000 | 6,408 |
| Average total loans | $44,384,500 | 5,956 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9541% | 347 |
| Cost of funding earning assets | 2.1736% | 2,913 |
| Net interest margin | 4.7805% | 675 |
| Noninterest income to average assets | 0.7799% | 2,522 |
| Noninterest expense to average assets | 4.1981% | 1,075 |
| Loan and lease loss provision to assets | 0.1106% | 6,045 |
| Net operating income to assets | 0.5438% | 3,912 |
| Return on assets (ROA) | 0.5438% | 4,028 |
| Pretax return on assets | 0.7231% | 3,923 |
| Return on Equity (ROE) | 5.4094% | 3,902 |
| Retained earnings to average equity (ytd only) | 5.4094% | 2,290 |
| Net charge-offs to loans | 0.2130% | 4,180 |
| Credit loss provision to net charge-offs | 78.7234% | 5,234 |
| Earnings coverage of net charge-offs (x) | 5.9362% | 2,727 |
| Efficiency ratio | 83.4323% | 2,552 |
| Assets per employee ($millions) | 2.1245% | 7,754 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9786% | 1,615 |
| Loan loss allowance to noncurrent loans | 67.9537% | 4,031 |
| Noncurrent assets plus other real estate owned to assets | 2.0787% | 3,088 |
| Noncurrent loans to loans | 2.9117% | 2,471 |
| Net loans and leases to total assets | 66.1970% | 4,530 |
| Net loans and leases to deposits | 76.4963% | 5,096 |
| Net loans and leases to core deposits | 105.1114% | 3,945 |
| Total domestic deposits to total assets | 86.5362% | 2,493 |
| Equity capital to assets | 10.2433% | 3,677 |
| Core capital (leverage) ratio | 10.0076% | 3,291 |
| Tier 1 risk-based capital ratio | 16.0914% | 2,594 |
| Total risk-based capital ratio | 17.3518% | 2,537 |
| Memoranda: | ||
| Average total assets | $66,935,000 | 6,192 |
| Average earning assets | $59,533,330 | 6,250 |
| Average equity | $6,729,000 | 6,456 |
| Average total loans | $44,122,000 | 6,022 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0439% | 310 |
| Cost of funding earning assets | 2.2969% | 2,715 |
| Net interest margin | 4.7470% | 693 |
| Noninterest income to average assets | 0.7529% | 2,578 |
| Noninterest expense to average assets | 4.0253% | 1,156 |
| Loan and lease loss provision to assets | 0.1008% | 5,676 |
| Net operating income to assets | 0.6284% | 3,891 |
| Return on assets (ROA) | 0.6284% | 4,073 |
| Pretax return on assets | 0.8537% | 3,876 |
| Return on Equity (ROE) | 6.3091% | 3,895 |
| Retained earnings to average equity (ytd only) | 6.3091% | 2,494 |
| Net charge-offs to loans | 0.3004% | 2,909 |
| Credit loss provision to net charge-offs | 51.5152% | 4,654 |
| Earnings coverage of net charge-offs (x) | 4.8788% | 2,794 |
| Efficiency ratio | 80.8333% | 2,694 |
| Assets per employee ($millions) | 2.1515% | 7,767 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9591% | 1,502 |
| Loan loss allowance to noncurrent loans | 79.3824% | 3,700 |
| Noncurrent assets plus other real estate owned to assets | 1.7617% | 3,282 |
| Noncurrent loans to loans | 2.4679% | 2,669 |
| Net loans and leases to total assets | 65.5781% | 4,678 |
| Net loans and leases to deposits | 75.8195% | 5,252 |
| Net loans and leases to core deposits | 105.8903% | 3,934 |
| Total domestic deposits to total assets | 86.4924% | 2,447 |
| Equity capital to assets | 10.1071% | 3,878 |
| Core capital (leverage) ratio | 9.7537% | 3,684 |
| Tier 1 risk-based capital ratio | 15.7686% | 2,764 |
| Total risk-based capital ratio | 17.0298% | 2,701 |
| Memoranda: | ||
| Average total assets | $67,473,500 | 6,200 |
| Average earning assets | $60,080,500 | 6,256 |
| Average equity | $6,720,500 | 6,509 |
| Average total loans | $43,945,000 | 6,058 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.7215% | 269 |
| Cost of funding earning assets | 2.6147% | 3,610 |
| Net interest margin | 5.1068% | 400 |
| Noninterest income to average assets | 0.8585% | 2,174 |
| Noninterest expense to average assets | 4.3988% | 959 |
| Loan and lease loss provision to assets | 0.2752% | 4,192 |
| Net operating income to assets | 0.5567% | 4,498 |
| Return on assets (ROA) | 0.5908% | 4,212 |
| Pretax return on assets | 0.7748% | 4,159 |
| Return on Equity (ROE) | 5.9187% | 3,974 |
| Retained earnings to average equity (ytd only) | -1.9929% | 5,867 |
| Net charge-offs to loans | 0.4617% | 2,520 |
| Credit loss provision to net charge-offs | 90.6404% | 5,665 |
| Earnings coverage of net charge-offs (x) | 3.3103% | 4,430 |
| Efficiency ratio | 81.4005% | 2,389 |
| Assets per employee ($millions) | 2.2750% | 7,598 |
| Cash dividends to net income (ytd only)* | 133.6709% | 562 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0565% | 1,136 |
| Loan loss allowance to noncurrent loans | 96.2162% | 3,564 |
| Noncurrent assets plus other real estate owned to assets | 1.4637% | 3,293 |
| Noncurrent loans to loans | 2.1373% | 2,583 |
| Net loans and leases to total assets | 62.1060% | 5,613 |
| Net loans and leases to deposits | 75.2802% | 5,687 |
| Net loans and leases to core deposits | 106.0071% | 4,200 |
| Total domestic deposits to total assets | 82.4999% | 3,995 |
| Equity capital to assets | 9.8167% | 4,270 |
| Core capital (leverage) ratio | 9.5358% | 3,967 |
| Tier 1 risk-based capital ratio | 15.8670% | 2,720 |
| Total risk-based capital ratio | 17.1275% | 2,653 |
| Memoranda: | ||
| Average total assets | $66,858,800 | 6,128 |
| Average earning assets | $59,509,000 | 6,193 |
| Average equity | $6,673,800 | 6,576 |
| Average total loans | $43,964,400 | 5,980 |