Home > Basile State Bank > Performance and Condition Ratios
Basile State Bank, Performance and Condition Ratios
| 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 | 7.7575% | 196 |
| Cost of funding earning assets | 1.6708% | 3,019 |
| Net interest margin | 6.0866% | 103 |
| Noninterest income to average assets | 0.7700% | 981 |
| Noninterest expense to average assets | 4.2603% | 327 |
| Loan and lease loss provision to assets | 0.1100% | 1,276 |
| Net operating income to assets | 1.8024% | 545 |
| Return on assets (ROA) | 1.8024% | 542 |
| Pretax return on assets | 1.8024% | 821 |
| Return on Equity (ROE) | 17.3000% | 637 |
| Retained earnings to average equity (ytd only) | 3.6213% | 2,775 |
| Net charge-offs to loans | 0.1918% | 730 |
| Credit loss provision to net charge-offs | 70.1754% | 2,200 |
| Earnings coverage of net charge-offs (x) | 12.1842% | 2,163 |
| Efficiency ratio | 69.0163% | 2,124 |
| Assets per employee ($millions) | 3.4166% | 4,230 |
| Cash dividends to net income (ytd only)* | 79.0680% | 593 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0880% | 2,749 |
| Loan loss allowance to noncurrent loans | 49.3050% | 3,504 |
| Noncurrent assets plus other real estate owned to assets | 1.9557% | 207 |
| Noncurrent loans to loans | 2.2067% | 351 |
| Net loans and leases to total assets | 81.5200% | 492 |
| Net loans and leases to deposits | 91.2725% | 1,105 |
| Net loans and leases to core deposits | 108.3096% | 1,009 |
| Total domestic deposits to total assets | 89.3100% | 1,049 |
| Equity capital to assets | 10.1442% | 2,031 |
| Core capital (leverage) ratio | 10.4146% | 2,422 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $72,624,600 | 4,024 |
| Average earning assets | $64,518,600 | 4,029 |
| Average equity | $7,566,400 | 4,008 |
| Average total loans | $59,452,200 | 3,700 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.7872% | 195 |
| Cost of funding earning assets | 1.5649% | 3,239 |
| Net interest margin | 6.2223% | 91 |
| Noninterest income to average assets | 0.7400% | 1,021 |
| Noninterest expense to average assets | 4.1190% | 348 |
| Loan and lease loss provision to assets | 0.1000% | 1,278 |
| Net operating income to assets | 2.0688% | 386 |
| Return on assets (ROA) | 2.0688% | 389 |
| Pretax return on assets | 2.0688% | 576 |
| Return on Equity (ROE) | 19.7200% | 448 |
| Retained earnings to average equity (ytd only) | 7.8037% | 1,450 |
| Net charge-offs to loans | 0.2266% | 533 |
| Credit loss provision to net charge-offs | 54.0000% | 2,027 |
| Earnings coverage of net charge-offs (x) | 11.7100% | 2,060 |
| Efficiency ratio | 65.5081% | 2,536 |
| Assets per employee ($millions) | 3.4244% | 4,258 |
| Cash dividends to net income (ytd only)* | 60.4297% | 984 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0845% | 2,836 |
| Loan loss allowance to noncurrent loans | 55.9122% | 3,481 |
| Noncurrent assets plus other real estate owned to assets | 1.9221% | 218 |
| Noncurrent loans to loans | 1.9396% | 408 |
| Net loans and leases to total assets | 80.1500% | 607 |
| Net loans and leases to deposits | 95.0493% | 784 |
| Net loans and leases to core deposits | 111.9307% | 867 |
| Total domestic deposits to total assets | 84.3200% | 2,514 |
| Equity capital to assets | 10.3443% | 2,077 |
| Core capital (leverage) ratio | 10.4834% | 2,435 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $71,989,250 | 4,047 |
| Average earning assets | $64,240,250 | 4,052 |
| Average equity | $7,551,750 | 4,030 |
| Average total loans | $58,828,250 | 3,718 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6369% | 206 |
| Cost of funding earning assets | 1.5053% | 3,274 |
| Net interest margin | 6.1315% | 100 |
| Noninterest income to average assets | 0.8000% | 865 |
| Noninterest expense to average assets | 4.1990% | 324 |
| Loan and lease loss provision to assets | 0.1000% | 1,186 |
| Net operating income to assets | 1.9895% | 440 |
| Return on assets (ROA) | 1.9895% | 441 |
| Pretax return on assets | 1.9895% | 653 |
| Return on Equity (ROE) | 18.8700% | 528 |
| Retained earnings to average equity (ytd only) | 6.8261% | 1,709 |
| Net charge-offs to loans | 0.0689% | 1,087 |
| Credit loss provision to net charge-offs | 180.0000% | 1,095 |
| Earnings coverage of net charge-offs (x) | 37.0500% | 1,291 |
| Efficiency ratio | 66.7564% | 2,467 |
| Assets per employee ($millions) | 4.2638% | 4,037 |
| Cash dividends to net income (ytd only)* | 63.8298% | 1,014 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1742% | 2,373 |
| Loan loss allowance to noncurrent loans | 50.4888% | 3,559 |
| Noncurrent assets plus other real estate owned to assets | 2.4005% | 118 |
| Noncurrent loans to loans | 2.3257% | 296 |
| Net loans and leases to total assets | 83.9500% | 291 |
| Net loans and leases to deposits | 94.3558% | 911 |
| Net loans and leases to core deposits | 110.2513% | 961 |
| Total domestic deposits to total assets | 88.9700% | 1,020 |
| Equity capital to assets | 10.4947% | 1,803 |
| Core capital (leverage) ratio | 10.1160% | 2,705 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $70,873,667 | 4,072 |
| Average earning assets | $63,507,667 | 4,069 |
| Average equity | $7,471,333 | 4,028 |
| Average total loans | $58,090,000 | 3,741 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4749% | 227 |
| Cost of funding earning assets | 1.4019% | 3,393 |
| Net interest margin | 6.0730% | 112 |
| Noninterest income to average assets | 0.5900% | 1,395 |
| Noninterest expense to average assets | 4.0532% | 348 |
| Loan and lease loss provision to assets | 0.1000% | 1,031 |
| Net operating income to assets | 1.8725% | 515 |
| Return on assets (ROA) | 1.8839% | 521 |
| Pretax return on assets | 1.8839% | 732 |
| Return on Equity (ROE) | 17.8300% | 630 |
| Retained earnings to average equity (ytd only) | 5.6730% | 2,205 |
| Net charge-offs to loans | 0.0710% | 883 |
| Credit loss provision to net charge-offs | 180.0000% | 857 |
| Earnings coverage of net charge-offs (x) | 34.6000% | 1,119 |
| Efficiency ratio | 67.2348% | 2,469 |
| Assets per employee ($millions) | 4.3478% | 4,023 |
| Cash dividends to net income (ytd only)* | 68.1818% | 924 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2281% | 2,126 |
| Loan loss allowance to noncurrent loans | 50.3162% | 3,610 |
| Noncurrent assets plus other real estate owned to assets | 2.3528% | 109 |
| Noncurrent loans to loans | 2.4408% | 237 |
| Net loans and leases to total assets | 77.9100% | 862 |
| Net loans and leases to deposits | 86.9862% | 1,452 |
| Net loans and leases to core deposits | 98.2562% | 1,504 |
| Total domestic deposits to total assets | 89.5600% | 939 |
| Equity capital to assets | 10.0875% | 1,960 |
| Core capital (leverage) ratio | 10.5767% | 2,266 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $70,068,500 | 4,100 |
| Average earning assets | $62,770,000 | 4,103 |
| Average equity | $7,403,500 | 4,055 |
| Average total loans | $56,348,000 | 3,774 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9887% | 223 |
| Cost of funding earning assets | 0.7999% | 3,730 |
| Net interest margin | 6.1888% | 97 |
| Noninterest income to average assets | 1.4700% | 396 |
| Noninterest expense to average assets | 4.3658% | 295 |
| Loan and lease loss provision to assets | 0.1600% | 816 |
| Net operating income to assets | 2.5148% | 233 |
| Return on assets (ROA) | 2.5148% | 229 |
| Pretax return on assets | 2.5148% | 334 |
| Return on Equity (ROE) | 22.6400% | 417 |
| Retained earnings to average equity (ytd only) | 3.7314% | 3,050 |
| Net charge-offs to loans | 0.0520% | 1,349 |
| Credit loss provision to net charge-offs | 411.5385% | 774 |
| Earnings coverage of net charge-offs (x) | 67.3462% | 1,123 |
| Efficiency ratio | 61.9761% | 2,833 |
| Assets per employee ($millions) | 3.8955% | 4,192 |
| Cash dividends to net income (ytd only)* | 83.5158% | 501 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3016% | 1,760 |
| Loan loss allowance to noncurrent loans | 73.0650% | 3,448 |
| Noncurrent assets plus other real estate owned to assets | 1.8286% | 174 |
| Noncurrent loans to loans | 1.7814% | 339 |
| Net loans and leases to total assets | 81.0700% | 522 |
| Net loans and leases to deposits | 91.4009% | 1,148 |
| Net loans and leases to core deposits | 95.8629% | 1,660 |
| Total domestic deposits to total assets | 88.7000% | 1,156 |
| Equity capital to assets | 11.1002% | 1,430 |
| Core capital (leverage) ratio | 11.3608% | 1,725 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9312% | 930 |
| Memoranda: | ||
| Average total assets | $65,372,200 | 4,159 |
| Average earning assets | $58,880,800 | 4,152 |
| Average equity | $7,262,600 | 4,016 |
| Average total loans | $49,994,400 | 3,844 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9457% | 205 |
| Cost of funding earning assets | 0.7419% | 3,672 |
| Net interest margin | 6.2038% | 89 |
| Noninterest income to average assets | 0.8300% | 883 |
| Noninterest expense to average assets | 4.1497% | 328 |
| Loan and lease loss provision to assets | 0.1300% | 897 |
| Net operating income to assets | 2.1240% | 423 |
| Return on assets (ROA) | 2.1240% | 416 |
| Pretax return on assets | 2.1240% | 623 |
| Return on Equity (ROE) | 19.1100% | 810 |
| Retained earnings to average equity (ytd only) | 6.6845% | 2,405 |
| Net charge-offs to loans | -0.0273% | 4,217 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 64.7923% | 2,411 |
| Assets per employee ($millions) | 3.8068% | 4,228 |
| Cash dividends to net income (ytd only)* | 65.0289% | 792 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3994% | 1,447 |
| Loan loss allowance to noncurrent loans | 82.1805% | 3,362 |
| Noncurrent assets plus other real estate owned to assets | 1.6627% | 205 |
| Noncurrent loans to loans | 1.7028% | 395 |
| Net loans and leases to total assets | 76.3200% | 1,080 |
| Net loans and leases to deposits | 86.6907% | 1,493 |
| Net loans and leases to core deposits | 90.7007% | 1,876 |
| Total domestic deposits to total assets | 88.0400% | 1,559 |
| Equity capital to assets | 11.5027% | 1,180 |
| Core capital (leverage) ratio | 11.5249% | 1,663 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $65,159,250 | 4,178 |
| Average earning assets | $58,586,750 | 4,176 |
| Average equity | $7,240,500 | 4,018 |
| Average total loans | $48,894,000 | 3,866 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7382% | 209 |
| Cost of funding earning assets | 0.6969% | 3,495 |
| Net interest margin | 6.0412% | 106 |
| Noninterest income to average assets | 0.7900% | 881 |
| Noninterest expense to average assets | 4.1220% | 319 |
| Loan and lease loss provision to assets | 0.1100% | 1,039 |
| Net operating income to assets | 2.0028% | 463 |
| Return on assets (ROA) | 2.0028% | 461 |
| Pretax return on assets | 2.0028% | 744 |
| Return on Equity (ROE) | 18.2400% | 924 |
| Retained earnings to average equity (ytd only) | 5.6883% | 2,729 |
| Net charge-offs to loans | -0.0412% | 4,325 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 66.1100% | 2,224 |
| Assets per employee ($millions) | 3.8699% | 4,238 |
| Cash dividends to net income (ytd only)* | 68.8073% | 781 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3517% | 1,704 |
| Loan loss allowance to noncurrent loans | 98.6804% | 3,278 |
| Noncurrent assets plus other real estate owned to assets | 1.6431% | 206 |
| Noncurrent loans to loans | 1.3698% | 514 |
| Net loans and leases to total assets | 74.6600% | 1,211 |
| Net loans and leases to deposits | 84.3208% | 1,643 |
| Net loans and leases to core deposits | 88.1242% | 1,918 |
| Total domestic deposits to total assets | 88.5400% | 1,406 |
| Equity capital to assets | 11.0733% | 1,364 |
| Core capital (leverage) ratio | 10.9688% | 1,946 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $65,307,333 | 4,193 |
| Average earning assets | $58,829,000 | 4,190 |
| Average equity | $7,172,667 | 4,056 |
| Average total loans | $48,494,333 | 3,878 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2996% | 221 |
| Cost of funding earning assets | 0.6300% | 3,291 |
| Net interest margin | 5.6697% | 122 |
| Noninterest income to average assets | 0.7200% | 1,034 |
| Noninterest expense to average assets | 3.8791% | 387 |
| Loan and lease loss provision to assets | 0.1100% | 1,010 |
| Net operating income to assets | 1.8197% | 646 |
| Return on assets (ROA) | 1.8197% | 633 |
| Pretax return on assets | 1.8197% | 1,036 |
| Return on Equity (ROE) | 16.6400% | 1,237 |
| Retained earnings to average equity (ytd only) | 3.9907% | 3,271 |
| Net charge-offs to loans | -0.0502% | 4,359 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 66.7725% | 2,114 |
| Assets per employee ($millions) | 3.9474% | 4,278 |
| Cash dividends to net income (ytd only)* | 76.0135% | 698 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3879% | 1,667 |
| Loan loss allowance to noncurrent loans | 80.4697% | 3,487 |
| Noncurrent assets plus other real estate owned to assets | 1.8285% | 148 |
| Noncurrent loans to loans | 1.7247% | 360 |
| Net loans and leases to total assets | 68.9300% | 1,736 |
| Net loans and leases to deposits | 77.3521% | 2,008 |
| Net loans and leases to core deposits | 81.1862% | 2,169 |
| Total domestic deposits to total assets | 89.1100% | 1,504 |
| Equity capital to assets | 10.6579% | 1,483 |
| Core capital (leverage) ratio | 11.0296% | 1,826 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $65,066,500 | 4,254 |
| Average earning assets | $58,416,000 | 4,256 |
| Average equity | $7,116,500 | 4,107 |
| Average total loans | $47,847,000 | 3,937 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5605% | 142 |
| Cost of funding earning assets | 0.2647% | 3,210 |
| Net interest margin | 5.2958% | 107 |
| Noninterest income to average assets | 0.7500% | 1,126 |
| Noninterest expense to average assets | 3.7804% | 390 |
| Loan and lease loss provision to assets | 0.1300% | 938 |
| Net operating income to assets | 1.6385% | 625 |
| Return on assets (ROA) | 1.6385% | 594 |
| Pretax return on assets | 1.6385% | 1,064 |
| Return on Equity (ROE) | 15.3000% | 1,185 |
| Retained earnings to average equity (ytd only) | 2.4434% | 3,874 |
| Net charge-offs to loans | 0.1956% | 419 |
| Credit loss provision to net charge-offs | 95.6044% | 1,597 |
| Earnings coverage of net charge-offs (x) | 12.7253% | 2,100 |
| Efficiency ratio | 68.0904% | 1,950 |
| Assets per employee ($millions) | 3.7075% | 4,379 |
| Cash dividends to net income (ytd only)* | 84.0336% | 374 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2852% | 1,971 |
| Loan loss allowance to noncurrent loans | 58.6529% | 3,631 |
| Noncurrent assets plus other real estate owned to assets | 2.0927% | 114 |
| Noncurrent loans to loans | 2.1911% | 234 |
| Net loans and leases to total assets | 76.4100% | 969 |
| Net loans and leases to deposits | 86.1633% | 1,303 |
| Net loans and leases to core deposits | 91.7562% | 1,406 |
| Total domestic deposits to total assets | 88.6800% | 1,821 |
| Equity capital to assets | 11.2347% | 1,169 |
| Core capital (leverage) ratio | 11.0301% | 1,785 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.7758% | 862 |
| Memoranda: | ||
| Average total assets | $65,363,600 | 4,278 |
| Average earning assets | $59,311,000 | 4,274 |
| Average equity | $6,998,400 | 4,214 |
| Average total loans | $46,529,600 | 3,952 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2967% | 141 |
| Cost of funding earning assets | 0.1953% | 3,332 |
| Net interest margin | 5.1014% | 105 |
| Noninterest income to average assets | 0.7400% | 1,176 |
| Noninterest expense to average assets | 3.7463% | 392 |
| Loan and lease loss provision to assets | 0.0100% | 2,534 |
| Net operating income to assets | 1.6336% | 612 |
| Return on assets (ROA) | 1.6336% | 598 |
| Pretax return on assets | 1.6336% | 1,042 |
| Return on Equity (ROE) | 15.4400% | 1,096 |
| Retained earnings to average equity (ytd only) | 3.8407% | 3,499 |
| Net charge-offs to loans | 0.1102% | 569 |
| Credit loss provision to net charge-offs | 15.7895% | 1,643 |
| Earnings coverage of net charge-offs (x) | 21.4211% | 1,688 |
| Efficiency ratio | 69.4788% | 1,824 |
| Assets per employee ($millions) | 3.8188% | 4,392 |
| Cash dividends to net income (ytd only)* | 75.1238% | 509 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2222% | 2,411 |
| Loan loss allowance to noncurrent loans | 50.4209% | 3,775 |
| Noncurrent assets plus other real estate owned to assets | 2.2197% | 108 |
| Noncurrent loans to loans | 2.4240% | 220 |
| Net loans and leases to total assets | 74.5700% | 1,051 |
| Net loans and leases to deposits | 84.0422% | 1,298 |
| Net loans and leases to core deposits | 88.1801% | 1,404 |
| Total domestic deposits to total assets | 88.7300% | 2,197 |
| Equity capital to assets | 10.9335% | 1,206 |
| Core capital (leverage) ratio | 10.8121% | 1,878 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $65,947,500 | 4,300 |
| Average earning assets | $60,086,000 | 4,297 |
| Average equity | $6,977,750 | 4,258 |
| Average total loans | $45,965,000 | 3,988 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9910% | 174 |
| Cost of funding earning assets | 0.1786% | 3,202 |
| Net interest margin | 4.8124% | 129 |
| Noninterest income to average assets | 0.7392% | 1,204 |
| Noninterest expense to average assets | 3.6205% | 388 |
| Loan and lease loss provision to assets | 0.0091% | 2,432 |
| Net operating income to assets | 1.4995% | 708 |
| Return on assets (ROA) | 1.4995% | 689 |
| Pretax return on assets | 1.4995% | 1,168 |
| Return on Equity (ROE) | 14.3276% | 1,037 |
| Retained earnings to average equity (ytd only) | 2.6522% | 3,562 |
| Net charge-offs to loans | 0.0845% | 648 |
| Credit loss provision to net charge-offs | 15.7895% | 1,619 |
| Earnings coverage of net charge-offs (x) | 26.3158% | 1,450 |
| Efficiency ratio | 70.5882% | 1,874 |
| Assets per employee ($millions) | 3.9278% | 4,402 |
| Cash dividends to net income (ytd only)* | 81.4889% | 579 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2862% | 2,249 |
| Loan loss allowance to noncurrent loans | 55.4054% | 3,761 |
| Noncurrent assets plus other real estate owned to assets | 1.7987% | 175 |
| Noncurrent loans to loans | 2.3214% | 263 |
| Net loans and leases to total assets | 70.6883% | 1,236 |
| Net loans and leases to deposits | 79.1960% | 1,446 |
| Net loans and leases to core deposits | 83.3466% | 1,491 |
| Total domestic deposits to total assets | 89.2575% | 2,067 |
| Equity capital to assets | 10.4700% | 1,445 |
| Core capital (leverage) ratio | 10.2089% | 2,179 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $66,290,000 | 4,337 |
| Average earning assets | $60,468,333 | 4,350 |
| Average equity | $6,937,667 | 4,325 |
| Average total loans | $44,950,333 | 4,049 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7973% | 204 |
| Cost of funding earning assets | 0.1927% | 2,899 |
| Net interest margin | 4.6047% | 155 |
| Noninterest income to average assets | 0.7691% | 1,120 |
| Noninterest expense to average assets | 3.6216% | 380 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.3445% | 912 |
| Return on assets (ROA) | 1.3445% | 898 |
| Pretax return on assets | 1.3445% | 1,394 |
| Return on Equity (ROE) | 12.8491% | 1,074 |
| Retained earnings to average equity (ytd only) | 1.1576% | 3,787 |
| Net charge-offs to loans | 0.1379% | 410 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 14.8000% | 1,364 |
| Efficiency ratio | 72.9268% | 1,864 |
| Assets per employee ($millions) | 3.9834% | 4,404 |
| Cash dividends to net income (ytd only)* | 90.9910% | 594 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4406% | 1,759 |
| Loan loss allowance to noncurrent loans | 66.8838% | 3,694 |
| Noncurrent assets plus other real estate owned to assets | 1.6229% | 216 |
| Noncurrent loans to loans | 2.1539% | 320 |
| Net loans and leases to total assets | 62.2340% | 1,833 |
| Net loans and leases to deposits | 69.4604% | 2,011 |
| Net loans and leases to core deposits | 73.0116% | 2,018 |
| Total domestic deposits to total assets | 89.5964% | 1,769 |
| Equity capital to assets | 10.2190% | 1,742 |
| Core capital (leverage) ratio | 10.4090% | 1,929 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $66,049,000 | 4,361 |
| Average earning assets | $60,200,000 | 4,375 |
| Average equity | $6,911,000 | 4,371 |
| Average total loans | $43,518,000 | 4,089 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8995% | 302 |
| Cost of funding earning assets | 0.2432% | 3,019 |
| Net interest margin | 4.6563% | 218 |
| Noninterest income to average assets | 0.8469% | 1,328 |
| Noninterest expense to average assets | 3.3609% | 579 |
| Loan and lease loss provision to assets | 0.0546% | 1,963 |
| Net operating income to assets | 1.6967% | 635 |
| Return on assets (ROA) | 1.6967% | 659 |
| Pretax return on assets | 1.6967% | 1,155 |
| Return on Equity (ROE) | 16.8661% | 612 |
| Retained earnings to average equity (ytd only) | 3.6665% | 3,355 |
| Net charge-offs to loans | 0.0864% | 945 |
| Credit loss provision to net charge-offs | 100.0000% | 1,789 |
| Earnings coverage of net charge-offs (x) | 32.0811% | 1,561 |
| Efficiency ratio | 65.7431% | 2,296 |
| Assets per employee ($millions) | 3.7871% | 4,502 |
| Cash dividends to net income (ytd only)* | 78.2609% | 539 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4251% | 1,821 |
| Loan loss allowance to noncurrent loans | 87.5173% | 3,531 |
| Noncurrent assets plus other real estate owned to assets | 1.3638% | 326 |
| Noncurrent loans to loans | 1.6284% | 528 |
| Net loans and leases to total assets | 67.7933% | 1,294 |
| Net loans and leases to deposits | 75.9933% | 1,568 |
| Net loans and leases to core deposits | 80.1050% | 1,584 |
| Total domestic deposits to total assets | 89.2095% | 1,411 |
| Equity capital to assets | 10.7206% | 2,001 |
| Core capital (leverage) ratio | 10.4016% | 1,995 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $67,779,600 | 4,358 |
| Average earning assets | $62,087,800 | 4,361 |
| Average equity | $6,818,400 | 4,443 |
| Average total loans | $42,820,200 | 4,134 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8665% | 370 |
| Cost of funding earning assets | 0.2564% | 3,055 |
| Net interest margin | 4.6101% | 258 |
| Noninterest income to average assets | 0.8490% | 1,386 |
| Noninterest expense to average assets | 3.3571% | 569 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.7193% | 795 |
| Return on assets (ROA) | 1.7193% | 832 |
| Pretax return on assets | 1.7193% | 1,364 |
| Return on Equity (ROE) | 17.3589% | 713 |
| Retained earnings to average equity (ytd only) | 6.7670% | 2,509 |
| Net charge-offs to loans | -0.0251% | 4,062 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1309% | 2,084 |
| Assets per employee ($millions) | 3.9428% | 4,481 |
| Cash dividends to net income (ytd only)* | 61.0169% | 821 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4400% | 1,847 |
| Loan loss allowance to noncurrent loans | 103.2310% | 3,375 |
| Noncurrent assets plus other real estate owned to assets | 1.1488% | 530 |
| Noncurrent loans to loans | 1.3950% | 763 |
| Net loans and leases to total assets | 65.2498% | 1,629 |
| Net loans and leases to deposits | 73.0853% | 1,949 |
| Net loans and leases to core deposits | 77.8438% | 1,901 |
| Total domestic deposits to total assets | 89.2789% | 1,131 |
| Equity capital to assets | 10.4406% | 2,500 |
| Core capital (leverage) ratio | 10.2760% | 2,245 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $68,629,250 | 4,408 |
| Average earning assets | $62,932,250 | 4,405 |
| Average equity | $6,797,500 | 4,509 |
| Average total loans | $42,456,000 | 4,190 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6254% | 600 |
| Cost of funding earning assets | 0.2647% | 3,141 |
| Net interest margin | 4.3607% | 442 |
| Noninterest income to average assets | 0.9051% | 1,262 |
| Noninterest expense to average assets | 3.3312% | 592 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.5760% | 1,102 |
| Return on assets (ROA) | 1.5818% | 1,146 |
| Pretax return on assets | 1.5818% | 1,788 |
| Return on Equity (ROE) | 16.2540% | 907 |
| Retained earnings to average equity (ytd only) | 4.9029% | 3,218 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8845% | 1,891 |
| Assets per employee ($millions) | 4.2017% | 4,327 |
| Cash dividends to net income (ytd only)* | 69.8355% | 692 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4686% | 1,692 |
| Loan loss allowance to noncurrent loans | 92.6579% | 3,441 |
| Noncurrent assets plus other real estate owned to assets | 1.3370% | 470 |
| Noncurrent loans to loans | 1.5850% | 699 |
| Net loans and leases to total assets | 59.2672% | 2,511 |
| Net loans and leases to deposits | 65.6942% | 2,853 |
| Net loans and leases to core deposits | 69.6397% | 2,816 |
| Total domestic deposits to total assets | 90.2169% | 681 |
| Equity capital to assets | 9.5451% | 3,295 |
| Core capital (leverage) ratio | 9.4984% | 2,905 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $69,163,333 | 4,435 |
| Average earning assets | $63,475,667 | 4,426 |
| Average equity | $6,730,667 | 4,539 |
| Average total loans | $41,816,667 | 4,236 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7422% | 537 |
| Cost of funding earning assets | 0.2952% | 3,050 |
| Net interest margin | 4.4470% | 394 |
| Noninterest income to average assets | 1.1407% | 932 |
| Noninterest expense to average assets | 3.5337% | 445 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.6816% | 973 |
| Return on assets (ROA) | 1.6934% | 1,001 |
| Pretax return on assets | 1.6934% | 1,505 |
| Return on Equity (ROE) | 17.2275% | 813 |
| Retained earnings to average equity (ytd only) | 3.7685% | 3,573 |
| Net charge-offs to loans | -0.1746% | 4,765 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7565% | 1,965 |
| Assets per employee ($millions) | 4.1486% | 4,385 |
| Cash dividends to net income (ytd only)* | 78.1250% | 607 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6098% | 1,265 |
| Loan loss allowance to noncurrent loans | 96.5774% | 3,383 |
| Noncurrent assets plus other real estate owned to assets | 1.3399% | 516 |
| Noncurrent loans to loans | 1.6668% | 720 |
| Net loans and leases to total assets | 56.2445% | 3,007 |
| Net loans and leases to deposits | 62.2804% | 3,296 |
| Net loans and leases to core deposits | 66.0478% | 3,235 |
| Total domestic deposits to total assets | 90.3085% | 666 |
| Equity capital to assets | 9.5270% | 3,169 |
| Core capital (leverage) ratio | 9.9593% | 2,574 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $68,030,500 | 4,462 |
| Average earning assets | $62,334,500 | 4,456 |
| Average equity | $6,687,000 | 4,557 |
| Average total loans | $41,242,500 | 4,273 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5793% | 164 |
| Cost of funding earning assets | 0.4839% | 3,052 |
| Net interest margin | 5.0953% | 105 |
| Noninterest income to average assets | 0.8019% | 1,522 |
| Noninterest expense to average assets | 3.5307% | 664 |
| Loan and lease loss provision to assets | 0.1253% | 2,794 |
| Net operating income to assets | 1.7822% | 406 |
| Return on assets (ROA) | 1.7822% | 438 |
| Pretax return on assets | 1.7822% | 715 |
| Return on Equity (ROE) | 16.7812% | 432 |
| Retained earnings to average equity (ytd only) | 1.8007% | 3,905 |
| Net charge-offs to loans | 0.1076% | 1,397 |
| Credit loss provision to net charge-offs | 165.9574% | 2,340 |
| Earnings coverage of net charge-offs (x) | 25.2553% | 1,746 |
| Efficiency ratio | 64.9232% | 2,688 |
| Assets per employee ($millions) | 3.8550% | 4,469 |
| Cash dividends to net income (ytd only)* | 89.2696% | 430 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4964% | 1,593 |
| Loan loss allowance to noncurrent loans | 59.9810% | 3,878 |
| Noncurrent assets plus other real estate owned to assets | 2.2309% | 232 |
| Noncurrent loans to loans | 2.4947% | 403 |
| Net loans and leases to total assets | 63.3829% | 2,444 |
| Net loans and leases to deposits | 70.6429% | 2,810 |
| Net loans and leases to core deposits | 75.2896% | 2,794 |
| Total domestic deposits to total assets | 89.7230% | 672 |
| Equity capital to assets | 10.1549% | 2,978 |
| Core capital (leverage) ratio | 10.1317% | 2,485 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $62,226,400 | 4,482 |
| Average earning assets | $56,620,400 | 4,487 |
| Average equity | $6,608,600 | 4,574 |
| Average total loans | $43,693,400 | 4,236 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6916% | 155 |
| Cost of funding earning assets | 0.5326% | 3,033 |
| Net interest margin | 5.1590% | 112 |
| Noninterest income to average assets | 0.8252% | 1,406 |
| Noninterest expense to average assets | 3.6568% | 574 |
| Loan and lease loss provision to assets | 0.1042% | 3,016 |
| Net operating income to assets | 1.7546% | 507 |
| Return on assets (ROA) | 1.7546% | 569 |
| Pretax return on assets | 1.7546% | 861 |
| Return on Equity (ROE) | 16.3302% | 507 |
| Retained earnings to average equity (ytd only) | 2.6880% | 3,654 |
| Net charge-offs to loans | 0.0091% | 2,783 |
| Credit loss provision to net charge-offs | 1,600.0000% | 585 |
| Earnings coverage of net charge-offs (x) | 285.3333% | 379 |
| Efficiency ratio | 66.2992% | 2,434 |
| Assets per employee ($millions) | 3.8741% | 4,424 |
| Cash dividends to net income (ytd only)* | 83.5396% | 522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4419% | 1,564 |
| Loan loss allowance to noncurrent loans | 67.3278% | 3,774 |
| Noncurrent assets plus other real estate owned to assets | 2.0559% | 309 |
| Noncurrent loans to loans | 2.1416% | 555 |
| Net loans and leases to total assets | 66.9430% | 2,391 |
| Net loans and leases to deposits | 74.7457% | 2,888 |
| Net loans and leases to core deposits | 79.6387% | 2,870 |
| Total domestic deposits to total assets | 89.5610% | 566 |
| Equity capital to assets | 10.1262% | 3,116 |
| Core capital (leverage) ratio | 10.3505% | 2,379 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $61,399,250 | 4,510 |
| Average earning assets | $55,823,250 | 4,515 |
| Average equity | $6,597,000 | 4,597 |
| Average total loans | $44,074,500 | 4,254 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7955% | 191 |
| Cost of funding earning assets | 0.6004% | 2,961 |
| Net interest margin | 5.1950% | 142 |
| Noninterest income to average assets | 0.7978% | 1,441 |
| Noninterest expense to average assets | 3.6052% | 647 |
| Loan and lease loss provision to assets | 0.1335% | 2,673 |
| Net operating income to assets | 1.7959% | 506 |
| Return on assets (ROA) | 1.7959% | 555 |
| Pretax return on assets | 1.7959% | 823 |
| Return on Equity (ROE) | 16.3700% | 507 |
| Retained earnings to average equity (ytd only) | 2.6776% | 3,514 |
| Net charge-offs to loans | 0.0365% | 2,006 |
| Credit loss provision to net charge-offs | 500.0000% | 1,228 |
| Earnings coverage of net charge-offs (x) | 72.2500% | 865 |
| Efficiency ratio | 65.1387% | 2,645 |
| Assets per employee ($millions) | 3.8127% | 4,451 |
| Cash dividends to net income (ytd only)* | 83.6431% | 696 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4001% | 1,588 |
| Loan loss allowance to noncurrent loans | 67.7385% | 3,760 |
| Noncurrent assets plus other real estate owned to assets | 1.9455% | 381 |
| Noncurrent loans to loans | 2.0669% | 638 |
| Net loans and leases to total assets | 68.6682% | 2,235 |
| Net loans and leases to deposits | 76.7445% | 2,780 |
| Net loans and leases to core deposits | 82.3018% | 2,754 |
| Total domestic deposits to total assets | 89.4764% | 581 |
| Equity capital to assets | 10.2197% | 2,990 |
| Core capital (leverage) ratio | 10.2181% | 2,612 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $59,912,667 | 4,544 |
| Average earning assets | $54,629,000 | 4,544 |
| Average equity | $6,573,000 | 4,622 |
| Average total loans | $43,855,000 | 4,267 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0358% | 156 |
| Cost of funding earning assets | 0.6655% | 3,083 |
| Net interest margin | 5.3703% | 111 |
| Noninterest income to average assets | 0.8771% | 1,117 |
| Noninterest expense to average assets | 3.9261% | 545 |
| Loan and lease loss provision to assets | 0.1114% | 2,288 |
| Net operating income to assets | 1.7264% | 483 |
| Return on assets (ROA) | 1.7403% | 514 |
| Pretax return on assets | 1.7403% | 792 |
| Return on Equity (ROE) | 15.2730% | 518 |
| Retained earnings to average equity (ytd only) | 1.5273% | 3,594 |
| Net charge-offs to loans | 0.0370% | 1,675 |
| Credit loss provision to net charge-offs | 400.0000% | 996 |
| Earnings coverage of net charge-offs (x) | 66.0000% | 756 |
| Efficiency ratio | 68.1159% | 2,646 |
| Assets per employee ($millions) | 3.4525% | 4,524 |
| Cash dividends to net income (ytd only)* | 90.0000% | 861 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4244% | 1,614 |
| Loan loss allowance to noncurrent loans | 61.8182% | 3,879 |
| Noncurrent assets plus other real estate owned to assets | 2.1843% | 348 |
| Noncurrent loans to loans | 2.3043% | 546 |
| Net loans and leases to total assets | 72.1597% | 1,899 |
| Net loans and leases to deposits | 81.4399% | 2,528 |
| Net loans and leases to core deposits | 88.0353% | 2,519 |
| Total domestic deposits to total assets | 88.6049% | 835 |
| Equity capital to assets | 11.1685% | 2,710 |
| Core capital (leverage) ratio | 11.4766% | 2,093 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $57,461,000 | 4,587 |
| Average earning assets | $52,288,000 | 4,596 |
| Average equity | $6,547,500 | 4,658 |
| Average total loans | $43,212,500 | 4,296 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4604% | 115 |
| Cost of funding earning assets | 0.7317% | 3,010 |
| Net interest margin | 5.7287% | 83 |
| Noninterest income to average assets | 0.9121% | 1,155 |
| Noninterest expense to average assets | 3.8017% | 671 |
| Loan and lease loss provision to assets | 0.2512% | 726 |
| Net operating income to assets | 2.0897% | 281 |
| Return on assets (ROA) | 2.0897% | 290 |
| Pretax return on assets | 2.0897% | 488 |
| Return on Equity (ROE) | 18.1265% | 330 |
| Retained earnings to average equity (ytd only) | 3.5233% | 3,243 |
| Net charge-offs to loans | 0.2291% | 893 |
| Credit loss provision to net charge-offs | 142.4242% | 1,810 |
| Earnings coverage of net charge-offs (x) | 13.2727% | 2,367 |
| Efficiency ratio | 61.8910% | 3,396 |
| Assets per employee ($millions) | 3.3076% | 4,634 |
| Cash dividends to net income (ytd only)* | 80.5627% | 775 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3805% | 1,591 |
| Loan loss allowance to noncurrent loans | 75.4717% | 3,667 |
| Noncurrent assets plus other real estate owned to assets | 1.8656% | 448 |
| Noncurrent loans to loans | 1.8292% | 732 |
| Net loans and leases to total assets | 76.2244% | 1,371 |
| Net loans and leases to deposits | 86.3593% | 2,045 |
| Net loans and leases to core deposits | 93.6934% | 2,091 |
| Total domestic deposits to total assets | 88.2643% | 996 |
| Equity capital to assets | 11.6308% | 2,398 |
| Core capital (leverage) ratio | 11.4557% | 2,146 |
| Tier 1 risk-based capital ratio | 17.4576% | 1,906 |
| Total risk-based capital ratio | 18.7114% | 1,860 |
| Memoranda: | ||
| Average total assets | $56,132,600 | 4,649 |
| Average earning assets | $51,250,600 | 4,651 |
| Average equity | $6,471,200 | 4,698 |
| Average total loans | $43,211,400 | 4,329 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3865% | 129 |
| Cost of funding earning assets | 0.7426% | 2,999 |
| Net interest margin | 5.6439% | 95 |
| Noninterest income to average assets | 0.9244% | 1,094 |
| Noninterest expense to average assets | 3.7926% | 666 |
| Loan and lease loss provision to assets | 0.1854% | 973 |
| Net operating income to assets | 2.0935% | 323 |
| Return on assets (ROA) | 2.0935% | 335 |
| Pretax return on assets | 2.0935% | 557 |
| Return on Equity (ROE) | 18.2002% | 376 |
| Retained earnings to average equity (ytd only) | 7.0446% | 1,841 |
| Net charge-offs to loans | 0.1421% | 1,140 |
| Credit loss provision to net charge-offs | 169.5652% | 1,494 |
| Earnings coverage of net charge-offs (x) | 20.8484% | 1,940 |
| Efficiency ratio | 62.4658% | 3,252 |
| Assets per employee ($millions) | 3.3313% | 4,644 |
| Cash dividends to net income (ytd only)* | 61.2937% | 1,233 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3322% | 1,830 |
| Loan loss allowance to noncurrent loans | 58.0138% | 4,040 |
| Noncurrent assets plus other real estate owned to assets | 1.9865% | 442 |
| Noncurrent loans to loans | 2.2964% | 534 |
| Net loans and leases to total assets | 77.1578% | 1,289 |
| Net loans and leases to deposits | 87.8312% | 1,953 |
| Net loans and leases to core deposits | 95.2564% | 2,059 |
| Total domestic deposits to total assets | 87.8479% | 1,103 |
| Equity capital to assets | 11.7495% | 2,461 |
| Core capital (leverage) ratio | 11.5706% | 2,166 |
| Tier 1 risk-based capital ratio | 17.3528% | 1,981 |
| Total risk-based capital ratio | 18.6040% | 1,945 |
| Memoranda: | ||
| Average total assets | $56,108,250 | 4,716 |
| Average earning assets | $51,169,000 | 4,721 |
| Average equity | $6,454,000 | 4,761 |
| Average total loans | $43,149,000 | 4,386 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1873% | 175 |
| Cost of funding earning assets | 0.7503% | 2,890 |
| Net interest margin | 5.4369% | 143 |
| Noninterest income to average assets | 0.7688% | 1,443 |
| Noninterest expense to average assets | 3.7187% | 733 |
| Loan and lease loss provision to assets | 0.1144% | 1,641 |
| Net operating income to assets | 1.8844% | 499 |
| Return on assets (ROA) | 1.8844% | 521 |
| Pretax return on assets | 1.8844% | 860 |
| Return on Equity (ROE) | 16.5014% | 522 |
| Retained earnings to average equity (ytd only) | 5.2291% | 2,652 |
| Net charge-offs to loans | 0.1777% | 920 |
| Credit loss provision to net charge-offs | 84.2105% | 2,186 |
| Earnings coverage of net charge-offs (x) | 14.7105% | 2,018 |
| Efficiency ratio | 65.0407% | 2,969 |
| Assets per employee ($millions) | 3.3752% | 4,634 |
| Cash dividends to net income (ytd only)* | 68.3112% | 1,156 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2868% | 2,074 |
| Loan loss allowance to noncurrent loans | 47.0990% | 4,261 |
| Noncurrent assets plus other real estate owned to assets | 2.3493% | 331 |
| Noncurrent loans to loans | 2.7322% | 393 |
| Net loans and leases to total assets | 73.7970% | 1,925 |
| Net loans and leases to deposits | 83.5418% | 2,540 |
| Net loans and leases to core deposits | 89.4711% | 2,639 |
| Total domestic deposits to total assets | 88.3355% | 948 |
| Equity capital to assets | 11.2881% | 2,789 |
| Core capital (leverage) ratio | 11.1795% | 2,434 |
| Tier 1 risk-based capital ratio | 17.1514% | 2,042 |
| Total risk-based capital ratio | 18.4028% | 1,993 |
| Memoranda: | ||
| Average total assets | $55,933,670 | 4,756 |
| Average earning assets | $50,911,000 | 4,762 |
| Average equity | $6,387,330 | 4,796 |
| Average total loans | $42,770,000 | 4,430 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1616% | 169 |
| Cost of funding earning assets | 0.7343% | 2,863 |
| Net interest margin | 5.4273% | 143 |
| Noninterest income to average assets | 0.8477% | 1,171 |
| Noninterest expense to average assets | 3.8326% | 635 |
| Loan and lease loss provision to assets | 0.0580% | 2,498 |
| Net operating income to assets | 1.8837% | 471 |
| Return on assets (ROA) | 1.8837% | 489 |
| Pretax return on assets | 1.8837% | 821 |
| Return on Equity (ROE) | 16.3973% | 544 |
| Retained earnings to average equity (ytd only) | 5.0453% | 2,889 |
| Net charge-offs to loans | 0.3653% | 427 |
| Credit loss provision to net charge-offs | 20.5128% | 2,133 |
| Earnings coverage of net charge-offs (x) | 6.8718% | 2,168 |
| Efficiency ratio | 66.3739% | 2,885 |
| Assets per employee ($millions) | 3.3316% | 4,713 |
| Cash dividends to net income (ytd only)* | 69.2308% | 1,133 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2556% | 2,295 |
| Loan loss allowance to noncurrent loans | 32.3313% | 4,588 |
| Noncurrent assets plus other real estate owned to assets | 3.2787% | 168 |
| Noncurrent loans to loans | 3.8834% | 205 |
| Net loans and leases to total assets | 73.1770% | 1,948 |
| Net loans and leases to deposits | 82.7398% | 2,532 |
| Net loans and leases to core deposits | 88.6451% | 2,624 |
| Total domestic deposits to total assets | 88.4424% | 1,112 |
| Equity capital to assets | 11.2716% | 2,585 |
| Core capital (leverage) ratio | 11.6690% | 2,012 |
| Tier 1 risk-based capital ratio | 16.9360% | 2,124 |
| Total risk-based capital ratio | 18.1859% | 2,076 |
| Memoranda: | ||
| Average total assets | $55,211,000 | 4,819 |
| Average earning assets | $50,117,000 | 4,827 |
| Average equity | $6,342,500 | 4,836 |
| Average total loans | $42,707,000 | 4,473 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4439% | 93 |
| Cost of funding earning assets | 0.6889% | 2,153 |
| Net interest margin | 5.7550% | 85 |
| Noninterest income to average assets | 0.8444% | 1,325 |
| Noninterest expense to average assets | 4.0110% | 524 |
| Loan and lease loss provision to assets | 0.1574% | 1,317 |
| Net operating income to assets | 1.9203% | 420 |
| Return on assets (ROA) | 1.9203% | 418 |
| Pretax return on assets | 1.9203% | 679 |
| Return on Equity (ROE) | 16.4954% | 540 |
| Retained earnings to average equity (ytd only) | 2.1792% | 4,283 |
| Net charge-offs to loans | 0.1870% | 1,027 |
| Credit loss provision to net charge-offs | 103.6585% | 2,449 |
| Earnings coverage of net charge-offs (x) | 13.6829% | 2,433 |
| Efficiency ratio | 65.8759% | 2,887 |
| Assets per employee ($millions) | 3.1638% | 4,874 |
| Cash dividends to net income (ytd only)* | 86.7888% | 515 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2845% | 2,122 |
| Loan loss allowance to noncurrent loans | 49.6441% | 4,320 |
| Noncurrent assets plus other real estate owned to assets | 2.3762% | 339 |
| Noncurrent loans to loans | 2.5874% | 459 |
| Net loans and leases to total assets | 79.7319% | 978 |
| Net loans and leases to deposits | 90.4686% | 1,736 |
| Net loans and leases to core deposits | 96.6486% | 1,999 |
| Total domestic deposits to total assets | 88.1322% | 1,244 |
| Equity capital to assets | 11.7154% | 2,089 |
| Core capital (leverage) ratio | 11.5042% | 2,100 |
| Tier 1 risk-based capital ratio | 16.8710% | 2,109 |
| Total risk-based capital ratio | 18.1239% | 2,056 |
| Memoranda: | ||
| Average total assets | $54,001,200 | 4,871 |
| Average earning assets | $49,209,600 | 4,873 |
| Average equity | $6,286,600 | 4,852 |
| Average total loans | $43,861,200 | 4,453 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4176% | 95 |
| Cost of funding earning assets | 0.6616% | 2,084 |
| Net interest margin | 5.7561% | 82 |
| Noninterest income to average assets | 0.7597% | 1,635 |
| Noninterest expense to average assets | 4.0353% | 505 |
| Loan and lease loss provision to assets | 0.0148% | 3,715 |
| Net operating income to assets | 1.9461% | 438 |
| Return on assets (ROA) | 1.9461% | 434 |
| Pretax return on assets | 1.9461% | 733 |
| Return on Equity (ROE) | 16.7431% | 579 |
| Retained earnings to average equity (ytd only) | 5.2839% | 3,068 |
| Net charge-offs to loans | 0.0849% | 1,662 |
| Credit loss provision to net charge-offs | 21.4286% | 3,011 |
| Earnings coverage of net charge-offs (x) | 28.3946% | 1,665 |
| Efficiency ratio | 67.2974% | 2,664 |
| Assets per employee ($millions) | 3.2262% | 4,859 |
| Cash dividends to net income (ytd only)* | 68.4411% | 907 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1812% | 2,735 |
| Loan loss allowance to noncurrent loans | 73.2510% | 3,933 |
| Noncurrent assets plus other real estate owned to assets | 1.6100% | 775 |
| Noncurrent loans to loans | 1.6125% | 982 |
| Net loans and leases to total assets | 81.4587% | 803 |
| Net loans and leases to deposits | 92.6869% | 1,538 |
| Net loans and leases to core deposits | 98.3490% | 1,908 |
| Total domestic deposits to total assets | 87.8859% | 1,288 |
| Equity capital to assets | 11.6948% | 2,109 |
| Core capital (leverage) ratio | 11.3788% | 2,265 |
| Tier 1 risk-based capital ratio | 16.6944% | 2,210 |
| Total risk-based capital ratio | 17.9438% | 2,154 |
| Memoranda: | ||
| Average total assets | $54,055,500 | 4,926 |
| Average earning assets | $49,176,000 | 4,925 |
| Average equity | $6,283,000 | 4,910 |
| Average total loans | $43,966,250 | 4,503 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4065% | 87 |
| Cost of funding earning assets | 0.6148% | 2,136 |
| Net interest margin | 5.7917% | 82 |
| Noninterest income to average assets | 0.7362% | 1,706 |
| Noninterest expense to average assets | 4.0638% | 488 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.9259% | 439 |
| Return on assets (ROA) | 1.9259% | 437 |
| Pretax return on assets | 1.9259% | 724 |
| Return on Equity (ROE) | 16.6043% | 575 |
| Retained earnings to average equity (ytd only) | 5.0646% | 3,044 |
| Net charge-offs to loans | 0.0735% | 1,599 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 32.3750% | 1,437 |
| Efficiency ratio | 67.8461% | 2,673 |
| Assets per employee ($millions) | 3.3022% | 4,815 |
| Cash dividends to net income (ytd only)* | 69.4981% | 999 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1998% | 2,715 |
| Loan loss allowance to noncurrent loans | 105.8939% | 3,373 |
| Noncurrent assets plus other real estate owned to assets | 1.3111% | 1,078 |
| Noncurrent loans to loans | 1.1330% | 1,554 |
| Net loans and leases to total assets | 79.0677% | 1,155 |
| Net loans and leases to deposits | 89.5007% | 1,911 |
| Net loans and leases to core deposits | 95.3104% | 2,125 |
| Total domestic deposits to total assets | 88.3430% | 1,200 |
| Equity capital to assets | 11.2758% | 2,383 |
| Core capital (leverage) ratio | 11.3848% | 2,170 |
| Tier 1 risk-based capital ratio | 16.6618% | 2,206 |
| Total risk-based capital ratio | 17.9135% | 2,155 |
| Memoranda: | ||
| Average total assets | $53,792,330 | 4,986 |
| Average earning assets | $48,794,330 | 4,990 |
| Average equity | $6,239,330 | 4,968 |
| Average total loans | $43,551,670 | 4,553 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3053% | 92 |
| Cost of funding earning assets | 0.5541% | 2,369 |
| Net interest margin | 5.7512% | 86 |
| Noninterest income to average assets | 0.8362% | 1,346 |
| Noninterest expense to average assets | 4.3710% | 331 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.6724% | 723 |
| Return on assets (ROA) | 1.6724% | 728 |
| Pretax return on assets | 1.6724% | 1,184 |
| Return on Equity (ROE) | 14.2073% | 963 |
| Retained earnings to average equity (ytd only) | 2.5831% | 4,141 |
| Net charge-offs to loans | 0.1680% | 860 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 12.2222% | 1,811 |
| Efficiency ratio | 72.3270% | 2,144 |
| Assets per employee ($millions) | 3.1695% | 5,032 |
| Cash dividends to net income (ytd only)* | 81.8182% | 805 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2634% | 2,440 |
| Loan loss allowance to noncurrent loans | 79.5556% | 3,838 |
| Noncurrent assets plus other real estate owned to assets | 1.7464% | 717 |
| Noncurrent loans to loans | 1.5880% | 1,095 |
| Net loans and leases to total assets | 77.8902% | 1,260 |
| Net loans and leases to deposits | 88.3091% | 1,893 |
| Net loans and leases to core deposits | 93.4408% | 2,178 |
| Total domestic deposits to total assets | 88.2018% | 1,503 |
| Equity capital to assets | 11.5328% | 2,106 |
| Core capital (leverage) ratio | 11.9774% | 1,668 |
| Tier 1 risk-based capital ratio | 17.0885% | 2,091 |
| Total risk-based capital ratio | 18.3388% | 2,044 |
| Memoranda: | ||
| Average total assets | $52,619,500 | 5,065 |
| Average earning assets | $47,642,500 | 5,070 |
| Average equity | $6,194,000 | 5,027 |
| Average total loans | $42,864,500 | 4,616 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4145% | 80 |
| Cost of funding earning assets | 0.4290% | 2,965 |
| Net interest margin | 5.9855% | 71 |
| Noninterest income to average assets | 0.8089% | 1,537 |
| Noninterest expense to average assets | 3.9571% | 566 |
| Loan and lease loss provision to assets | 0.2703% | 666 |
| Net operating income to assets | 2.0690% | 246 |
| Return on assets (ROA) | 2.0690% | 252 |
| Pretax return on assets | 2.0690% | 416 |
| Return on Equity (ROE) | 18.0582% | 299 |
| Retained earnings to average equity (ytd only) | 3.4164% | 3,241 |
| Net charge-offs to loans | 0.4120% | 606 |
| Credit loss provision to net charge-offs | 80.5556% | 2,933 |
| Earnings coverage of net charge-offs (x) | 6.9722% | 3,109 |
| Efficiency ratio | 62.8478% | 3,803 |
| Assets per employee ($millions) | 3.0211% | 5,183 |
| Cash dividends to net income (ytd only)* | 81.0811% | 806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2840% | 2,298 |
| Loan loss allowance to noncurrent loans | 59.3583% | 4,295 |
| Noncurrent assets plus other real estate owned to assets | 2.2217% | 462 |
| Noncurrent loans to loans | 2.1632% | 685 |
| Net loans and leases to total assets | 83.0815% | 547 |
| Net loans and leases to deposits | 94.5531% | 1,213 |
| Net loans and leases to core deposits | 100.3504% | 1,684 |
| Total domestic deposits to total assets | 87.8675% | 1,572 |
| Equity capital to assets | 12.0215% | 1,822 |
| Core capital (leverage) ratio | 11.6722% | 1,813 |
| Tier 1 risk-based capital ratio | 16.9145% | 2,122 |
| Total risk-based capital ratio | 18.1656% | 2,063 |
| Memoranda: | ||
| Average total assets | $53,650,400 | 5,085 |
| Average earning assets | $49,185,200 | 5,081 |
| Average equity | $6,146,800 | 5,082 |
| Average total loans | $43,684,400 | 4,623 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4084% | 78 |
| Cost of funding earning assets | 0.4047% | 3,140 |
| Net interest margin | 6.0036% | 72 |
| Noninterest income to average assets | 0.8557% | 1,409 |
| Noninterest expense to average assets | 3.9883% | 524 |
| Loan and lease loss provision to assets | 0.2090% | 904 |
| Net operating income to assets | 2.1663% | 231 |
| Return on assets (ROA) | 2.1663% | 234 |
| Pretax return on assets | 2.1663% | 390 |
| Return on Equity (ROE) | 19.1309% | 272 |
| Retained earnings to average equity (ytd only) | 7.4049% | 1,488 |
| Net charge-offs to loans | 0.1461% | 1,372 |
| Credit loss provision to net charge-offs | 177.0833% | 1,493 |
| Earnings coverage of net charge-offs (x) | 20.1245% | 1,969 |
| Efficiency ratio | 62.6739% | 3,779 |
| Assets per employee ($millions) | 3.1603% | 5,113 |
| Cash dividends to net income (ytd only)* | 61.2937% | 1,293 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4174% | 1,828 |
| Loan loss allowance to noncurrent loans | 55.7333% | 4,430 |
| Noncurrent assets plus other real estate owned to assets | 2.6840% | 369 |
| Noncurrent loans to loans | 2.5432% | 587 |
| Net loans and leases to total assets | 81.1708% | 811 |
| Net loans and leases to deposits | 92.3939% | 1,513 |
| Net loans and leases to core deposits | 98.3447% | 1,859 |
| Total domestic deposits to total assets | 87.8530% | 1,444 |
| Equity capital to assets | 11.7562% | 2,150 |
| Core capital (leverage) ratio | 11.5979% | 1,951 |
| Tier 1 risk-based capital ratio | 13.0945% | 3,950 |
| Total risk-based capital ratio | 14.3447% | 3,857 |
| Memoranda: | ||
| Average total assets | $54,223,500 | 5,129 |
| Average earning assets | $49,746,250 | 5,124 |
| Average equity | $6,140,000 | 5,140 |
| Average total loans | $43,799,500 | 4,663 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3585% | 86 |
| Cost of funding earning assets | 0.3717% | 3,365 |
| Net interest margin | 5.9869% | 73 |
| Noninterest income to average assets | 0.8715% | 1,359 |
| Noninterest expense to average assets | 3.8868% | 602 |
| Loan and lease loss provision to assets | 0.2022% | 908 |
| Net operating income to assets | 2.2909% | 186 |
| Return on assets (ROA) | 2.2909% | 184 |
| Pretax return on assets | 2.2909% | 306 |
| Return on Equity (ROE) | 20.4889% | 198 |
| Retained earnings to average equity (ytd only) | 8.6494% | 954 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.9222% | 4,175 |
| Assets per employee ($millions) | 3.2773% | 5,003 |
| Cash dividends to net income (ytd only)* | 57.7849% | 1,585 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4738% | 1,669 |
| Loan loss allowance to noncurrent loans | 50.4695% | 4,569 |
| Noncurrent assets plus other real estate owned to assets | 2.3872% | 475 |
| Noncurrent loans to loans | 2.9202% | 451 |
| Net loans and leases to total assets | 77.3935% | 1,333 |
| Net loans and leases to deposits | 87.4731% | 2,048 |
| Net loans and leases to core deposits | 92.8388% | 2,263 |
| Total domestic deposits to total assets | 88.4769% | 1,215 |
| Equity capital to assets | 11.1803% | 2,622 |
| Core capital (leverage) ratio | 11.1624% | 2,268 |
| Tier 1 risk-based capital ratio | 16.3640% | 2,374 |
| Total risk-based capital ratio | 17.6193% | 2,315 |
| Memoranda: | ||
| Average total assets | $54,389,670 | 5,166 |
| Average earning assets | $50,043,000 | 5,156 |
| Average equity | $6,081,330 | 5,177 |
| Average total loans | $43,654,000 | 4,695 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2211% | 97 |
| Cost of funding earning assets | 0.3159% | 3,894 |
| Net interest margin | 5.9052% | 82 |
| Noninterest income to average assets | 0.8934% | 1,264 |
| Noninterest expense to average assets | 4.0873% | 488 |
| Loan and lease loss provision to assets | 0.1712% | 1,029 |
| Net operating income to assets | 2.0623% | 275 |
| Return on assets (ROA) | 2.0623% | 285 |
| Pretax return on assets | 2.0623% | 451 |
| Return on Equity (ROE) | 18.4436% | 314 |
| Retained earnings to average equity (ytd only) | 6.4586% | 2,108 |
| Net charge-offs to loans | 0.0183% | 2,421 |
| Credit loss provision to net charge-offs | 1,150.0000% | 277 |
| Earnings coverage of net charge-offs (x) | 150.0000% | 365 |
| Efficiency ratio | 64.6643% | 3,713 |
| Assets per employee ($millions) | 3.1708% | 5,197 |
| Cash dividends to net income (ytd only)* | 64.9819% | 1,291 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3896% | 2,112 |
| Loan loss allowance to noncurrent loans | 42.8772% | 4,797 |
| Noncurrent assets plus other real estate owned to assets | 2.7809% | 383 |
| Noncurrent loans to loans | 3.2409% | 393 |
| Net loans and leases to total assets | 80.4371% | 778 |
| Net loans and leases to deposits | 90.8630% | 1,442 |
| Net loans and leases to core deposits | 95.9715% | 1,823 |
| Total domestic deposits to total assets | 88.5257% | 1,408 |
| Equity capital to assets | 11.2387% | 2,396 |
| Core capital (leverage) ratio | 11.4017% | 2,025 |
| Tier 1 risk-based capital ratio | 12.6983% | 4,261 |
| Total risk-based capital ratio | 13.9488% | 4,161 |
| Memoranda: | ||
| Average total assets | $53,727,500 | 5,232 |
| Average earning assets | $49,380,000 | 5,225 |
| Average equity | $6,007,500 | 5,238 |
| Average total loans | $43,599,000 | 4,741 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8094% | 166 |
| Cost of funding earning assets | 0.3148% | 3,901 |
| Net interest margin | 5.4946% | 110 |
| Noninterest income to average assets | 0.8158% | 1,692 |
| Noninterest expense to average assets | 3.8476% | 733 |
| Loan and lease loss provision to assets | 0.2130% | 1,060 |
| Net operating income to assets | 1.8409% | 409 |
| Return on assets (ROA) | 1.8409% | 425 |
| Pretax return on assets | 1.8409% | 710 |
| Return on Equity (ROE) | 16.9154% | 416 |
| Retained earnings to average equity (ytd only) | 2.0078% | 4,402 |
| Net charge-offs to loans | 0.3012% | 913 |
| Credit loss provision to net charge-offs | 89.3130% | 2,808 |
| Earnings coverage of net charge-offs (x) | 8.6107% | 2,854 |
| Efficiency ratio | 65.1959% | 3,732 |
| Assets per employee ($millions) | 3.1501% | 5,217 |
| Cash dividends to net income (ytd only)* | 88.1306% | 644 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3648% | 2,238 |
| Loan loss allowance to noncurrent loans | 36.9674% | 4,962 |
| Noncurrent assets plus other real estate owned to assets | 3.1203% | 309 |
| Noncurrent loans to loans | 3.6920% | 310 |
| Net loans and leases to total assets | 79.6217% | 948 |
| Net loans and leases to deposits | 89.6983% | 1,719 |
| Net loans and leases to core deposits | 94.7302% | 2,038 |
| Total domestic deposits to total assets | 88.7661% | 1,222 |
| Equity capital to assets | 11.1238% | 2,513 |
| Core capital (leverage) ratio | 11.1092% | 2,250 |
| Tier 1 risk-based capital ratio | 12.4830% | 4,384 |
| Total risk-based capital ratio | 13.7197% | 4,282 |
| Memoranda: | ||
| Average total assets | $54,917,600 | 5,244 |
| Average earning assets | $50,831,600 | 5,232 |
| Average equity | $5,976,800 | 5,284 |
| Average total loans | $43,486,600 | 4,767 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7708% | 175 |
| Cost of funding earning assets | 0.3122% | 3,950 |
| Net interest margin | 5.4586% | 122 |
| Noninterest income to average assets | 0.8228% | 1,678 |
| Noninterest expense to average assets | 3.8678% | 698 |
| Loan and lease loss provision to assets | 0.1689% | 1,347 |
| Net operating income to assets | 1.8482% | 445 |
| Return on assets (ROA) | 1.8482% | 468 |
| Pretax return on assets | 1.8482% | 807 |
| Return on Equity (ROE) | 17.0738% | 441 |
| Retained earnings to average equity (ytd only) | 5.0375% | 2,803 |
| Net charge-offs to loans | 0.3337% | 691 |
| Credit loss provision to net charge-offs | 64.2202% | 2,865 |
| Earnings coverage of net charge-offs (x) | 7.6697% | 2,852 |
| Efficiency ratio | 65.7237% | 3,641 |
| Assets per employee ($millions) | 3.1916% | 5,190 |
| Cash dividends to net income (ytd only)* | 70.4957% | 1,022 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2845% | 2,775 |
| Loan loss allowance to noncurrent loans | 40.8532% | 4,947 |
| Noncurrent assets plus other real estate owned to assets | 2.6835% | 482 |
| Noncurrent loans to loans | 3.1443% | 456 |
| Net loans and leases to total assets | 80.0251% | 894 |
| Net loans and leases to deposits | 90.5470% | 1,687 |
| Net loans and leases to core deposits | 95.0505% | 2,098 |
| Total domestic deposits to total assets | 88.3796% | 1,197 |
| Equity capital to assets | 11.2297% | 2,766 |
| Core capital (leverage) ratio | 10.9799% | 2,470 |
| Tier 1 risk-based capital ratio | 12.7953% | 4,279 |
| Total risk-based capital ratio | 13.9881% | 4,227 |
| Memoranda: | ||
| Average total assets | $55,259,000 | 5,287 |
| Average earning assets | $51,245,000 | 5,268 |
| Average equity | $5,981,750 | 5,337 |
| Average total loans | $43,551,000 | 4,801 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6918% | 189 |
| Cost of funding earning assets | 0.3104% | 4,016 |
| Net interest margin | 5.3814% | 136 |
| Noninterest income to average assets | 0.8346% | 1,599 |
| Noninterest expense to average assets | 3.8386% | 728 |
| Loan and lease loss provision to assets | 0.1223% | 1,865 |
| Net operating income to assets | 1.8636% | 426 |
| Return on assets (ROA) | 1.8636% | 448 |
| Pretax return on assets | 1.8636% | 756 |
| Return on Equity (ROE) | 17.4274% | 400 |
| Retained earnings to average equity (ytd only) | 5.3157% | 2,535 |
| Net charge-offs to loans | 0.4055% | 562 |
| Credit loss provision to net charge-offs | 38.6364% | 2,783 |
| Earnings coverage of net charge-offs (x) | 6.2727% | 2,763 |
| Efficiency ratio | 65.9049% | 3,693 |
| Assets per employee ($millions) | 2.9039% | 5,531 |
| Cash dividends to net income (ytd only)* | 69.4981% | 1,204 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3006% | 2,781 |
| Loan loss allowance to noncurrent loans | 42.4383% | 4,998 |
| Noncurrent assets plus other real estate owned to assets | 2.5011% | 551 |
| Noncurrent loans to loans | 3.0648% | 479 |
| Net loans and leases to total assets | 75.6448% | 1,549 |
| Net loans and leases to deposits | 85.2628% | 2,326 |
| Net loans and leases to core deposits | 89.9427% | 2,538 |
| Total domestic deposits to total assets | 88.7195% | 1,055 |
| Equity capital to assets | 10.9289% | 3,135 |
| Core capital (leverage) ratio | 10.6116% | 2,837 |
| Tier 1 risk-based capital ratio | 15.8499% | 2,715 |
| Total risk-based capital ratio | 17.1035% | 2,647 |
| Memoranda: | ||
| Average total assets | $55,592,670 | 5,343 |
| Average earning assets | $51,547,670 | 5,322 |
| Average equity | $5,944,670 | 5,397 |
| Average total loans | $43,406,330 | 4,847 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6411% | 208 |
| Cost of funding earning assets | 0.3014% | 4,152 |
| Net interest margin | 5.3397% | 141 |
| Noninterest income to average assets | 0.8387% | 1,478 |
| Noninterest expense to average assets | 3.7705% | 814 |
| Loan and lease loss provision to assets | 0.1290% | 1,642 |
| Net operating income to assets | 1.8924% | 404 |
| Return on assets (ROA) | 1.8924% | 430 |
| Pretax return on assets | 1.8924% | 706 |
| Return on Equity (ROE) | 17.8922% | 363 |
| Retained earnings to average equity (ytd only) | 5.6930% | 2,533 |
| Net charge-offs to loans | 0.4458% | 509 |
| Credit loss provision to net charge-offs | 36.7347% | 2,169 |
| Earnings coverage of net charge-offs (x) | 5.7551% | 2,298 |
| Efficiency ratio | 65.0990% | 3,958 |
| Assets per employee ($millions) | 2.9529% | 5,549 |
| Cash dividends to net income (ytd only)* | 68.1818% | 1,237 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3272% | 2,769 |
| Loan loss allowance to noncurrent loans | 49.5246% | 4,841 |
| Noncurrent assets plus other real estate owned to assets | 2.2315% | 728 |
| Noncurrent loans to loans | 2.6800% | 668 |
| Net loans and leases to total assets | 75.9273% | 1,401 |
| Net loans and leases to deposits | 85.1401% | 2,178 |
| Net loans and leases to core deposits | 91.2868% | 2,250 |
| Total domestic deposits to total assets | 89.1792% | 1,009 |
| Equity capital to assets | 10.5944% | 3,383 |
| Core capital (leverage) ratio | 10.6720% | 2,768 |
| Tier 1 risk-based capital ratio | 15.2725% | 3,029 |
| Total risk-based capital ratio | 16.5265% | 2,970 |
| Memoranda: | ||
| Average total assets | $55,801,500 | 5,388 |
| Average earning assets | $51,763,000 | 5,369 |
| Average equity | $5,902,000 | 5,438 |
| Average total loans | $43,966,000 | 4,866 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8046% | 171 |
| Cost of funding earning assets | 0.3186% | 4,052 |
| Net interest margin | 5.4860% | 127 |
| Noninterest income to average assets | 0.8693% | 1,532 |
| Noninterest expense to average assets | 3.6319% | 1,068 |
| Loan and lease loss provision to assets | 0.3354% | 468 |
| Net operating income to assets | 1.9828% | 354 |
| Return on assets (ROA) | 1.9828% | 364 |
| Pretax return on assets | 1.9828% | 557 |
| Return on Equity (ROE) | 19.4769% | 278 |
| Retained earnings to average equity (ytd only) | 4.1059% | 3,083 |
| Net charge-offs to loans | 0.2030% | 1,437 |
| Credit loss provision to net charge-offs | 209.8901% | 1,342 |
| Earnings coverage of net charge-offs (x) | 14.5055% | 2,286 |
| Efficiency ratio | 61.0390% | 4,756 |
| Assets per employee ($millions) | 3.2644% | 5,200 |
| Cash dividends to net income (ytd only)* | 78.9194% | 901 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3494% | 2,669 |
| Loan loss allowance to noncurrent loans | 54.5619% | 4,754 |
| Noncurrent assets plus other real estate owned to assets | 2.2074% | 766 |
| Noncurrent loans to loans | 2.4732% | 751 |
| Net loans and leases to total assets | 79.5675% | 910 |
| Net loans and leases to deposits | 89.0511% | 1,738 |
| Net loans and leases to core deposits | 95.0245% | 1,940 |
| Total domestic deposits to total assets | 89.3504% | 934 |
| Equity capital to assets | 10.5541% | 3,300 |
| Core capital (leverage) ratio | 10.5017% | 2,927 |
| Tier 1 risk-based capital ratio | 14.5742% | 3,400 |
| Total risk-based capital ratio | 15.8262% | 3,314 |
| Memoranda: | ||
| Average total assets | $56,940,200 | 5,386 |
| Average earning assets | $52,734,200 | 5,364 |
| Average equity | $5,796,600 | 5,482 |
| Average total loans | $44,836,800 | 4,835 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7811% | 174 |
| Cost of funding earning assets | 0.3188% | 4,120 |
| Net interest margin | 5.4623% | 135 |
| Noninterest income to average assets | 0.8493% | 1,622 |
| Noninterest expense to average assets | 3.6578% | 1,036 |
| Loan and lease loss provision to assets | 0.1722% | 1,230 |
| Net operating income to assets | 2.0825% | 316 |
| Return on assets (ROA) | 2.0825% | 336 |
| Pretax return on assets | 2.0825% | 520 |
| Return on Equity (ROE) | 20.6400% | 240 |
| Retained earnings to average equity (ytd only) | 8.1868% | 1,177 |
| Net charge-offs to loans | 0.1902% | 1,342 |
| Credit loss provision to net charge-offs | 115.6250% | 2,048 |
| Earnings coverage of net charge-offs (x) | 15.1409% | 2,202 |
| Efficiency ratio | 61.8654% | 4,597 |
| Assets per employee ($millions) | 3.2823% | 5,150 |
| Cash dividends to net income (ytd only)* | 60.3352% | 1,407 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1454% | 3,962 |
| Loan loss allowance to noncurrent loans | 79.9378% | 4,170 |
| Noncurrent assets plus other real estate owned to assets | 1.1774% | 2,009 |
| Noncurrent loans to loans | 1.4328% | 1,758 |
| Net loans and leases to total assets | 79.5050% | 883 |
| Net loans and leases to deposits | 89.3911% | 1,729 |
| Net loans and leases to core deposits | 95.9387% | 1,890 |
| Total domestic deposits to total assets | 88.9407% | 1,054 |
| Equity capital to assets | 10.6776% | 3,383 |
| Core capital (leverage) ratio | 10.5711% | 2,960 |
| Tier 1 risk-based capital ratio | 15.2087% | 3,185 |
| Total risk-based capital ratio | 16.4595% | 3,121 |
| Memoranda: | ||
| Average total assets | $57,301,500 | 5,448 |
| Average earning assets | $53,114,250 | 5,427 |
| Average equity | $5,781,500 | 5,559 |
| Average total loans | $44,856,000 | 4,884 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7513% | 178 |
| Cost of funding earning assets | 0.3210% | 4,143 |
| Net interest margin | 5.4304% | 134 |
| Noninterest income to average assets | 0.7854% | 1,843 |
| Noninterest expense to average assets | 3.6192% | 1,089 |
| Loan and lease loss provision to assets | 0.2145% | 893 |
| Net operating income to assets | 1.9861% | 370 |
| Return on assets (ROA) | 1.9861% | 388 |
| Pretax return on assets | 1.9861% | 615 |
| Return on Equity (ROE) | 20.0606% | 262 |
| Retained earnings to average equity (ytd only) | 7.4790% | 1,488 |
| Net charge-offs to loans | 0.1159% | 1,842 |
| Credit loss provision to net charge-offs | 238.4615% | 1,084 |
| Earnings coverage of net charge-offs (x) | 24.4615% | 1,563 |
| Efficiency ratio | 62.1879% | 4,648 |
| Assets per employee ($millions) | 3.3818% | 5,016 |
| Cash dividends to net income (ytd only)* | 62.7178% | 1,441 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2189% | 3,677 |
| Loan loss allowance to noncurrent loans | 116.3793% | 3,349 |
| Noncurrent assets plus other real estate owned to assets | 0.8071% | 2,965 |
| Noncurrent loans to loans | 1.0473% | 2,549 |
| Net loans and leases to total assets | 76.1245% | 1,346 |
| Net loans and leases to deposits | 85.0034% | 2,189 |
| Net loans and leases to core deposits | 90.5094% | 2,299 |
| Total domestic deposits to total assets | 89.5547% | 872 |
| Equity capital to assets | 10.1026% | 3,920 |
| Core capital (leverage) ratio | 9.9912% | 3,615 |
| Tier 1 risk-based capital ratio | 14.7419% | 3,510 |
| Total risk-based capital ratio | 15.9932% | 3,431 |
| Memoranda: | ||
| Average total assets | $57,802,330 | 5,491 |
| Average earning assets | $53,587,670 | 5,473 |
| Average equity | $5,722,670 | 5,622 |
| Average total loans | $44,849,000 | 4,920 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7322% | 185 |
| Cost of funding earning assets | 0.3197% | 4,231 |
| Net interest margin | 5.4125% | 134 |
| Noninterest income to average assets | 1.0283% | 1,057 |
| Noninterest expense to average assets | 3.5198% | 1,268 |
| Loan and lease loss provision to assets | 0.3313% | 410 |
| Net operating income to assets | 2.2016% | 229 |
| Return on assets (ROA) | 2.2016% | 242 |
| Pretax return on assets | 2.2016% | 385 |
| Return on Equity (ROE) | 22.4648% | 170 |
| Retained earnings to average equity (ytd only) | 9.7887% | 976 |
| Net charge-offs to loans | -0.0886% | 5,804 |
| Credit loss provision to net charge-offs | -480.0000% | 4,810 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.1528% | 5,317 |
| Assets per employee ($millions) | 3.4256% | 5,040 |
| Cash dividends to net income (ytd only)* | 56.4263% | 1,534 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2732% | 3,559 |
| Loan loss allowance to noncurrent loans | 121.3823% | 3,245 |
| Noncurrent assets plus other real estate owned to assets | 1.1007% | 2,433 |
| Noncurrent loans to loans | 1.0489% | 2,664 |
| Net loans and leases to total assets | 74.8317% | 1,384 |
| Net loans and leases to deposits | 83.2725% | 2,168 |
| Net loans and leases to core deposits | 91.6661% | 1,973 |
| Total domestic deposits to total assets | 89.8637% | 806 |
| Equity capital to assets | 9.9011% | 4,270 |
| Core capital (leverage) ratio | 9.9086% | 3,732 |
| Tier 1 risk-based capital ratio | 14.6134% | 3,651 |
| Total risk-based capital ratio | 15.8650% | 3,575 |
| Memoranda: | ||
| Average total assets | $57,958,500 | 5,543 |
| Average earning assets | $53,801,500 | 5,519 |
| Average equity | $5,680,000 | 5,683 |
| Average total loans | $45,121,500 | 4,946 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5887% | 277 |
| Cost of funding earning assets | 0.3739% | 3,992 |
| Net interest margin | 5.2148% | 206 |
| Noninterest income to average assets | 0.8478% | 1,687 |
| Noninterest expense to average assets | 3.5132% | 1,457 |
| Loan and lease loss provision to assets | 0.2662% | 822 |
| Net operating income to assets | 1.9397% | 364 |
| Return on assets (ROA) | 1.9397% | 377 |
| Pretax return on assets | 1.9397% | 579 |
| Return on Equity (ROE) | 20.7615% | 214 |
| Retained earnings to average equity (ytd only) | 5.4807% | 2,275 |
| Net charge-offs to loans | 0.2354% | 1,795 |
| Credit loss provision to net charge-offs | 152.4272% | 1,590 |
| Earnings coverage of net charge-offs (x) | 12.6311% | 2,351 |
| Efficiency ratio | 61.4290% | 5,002 |
| Assets per employee ($millions) | 3.3927% | 5,080 |
| Cash dividends to net income (ytd only)* | 73.6014% | 1,157 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0932% | 4,566 |
| Loan loss allowance to noncurrent loans | 123.8329% | 3,235 |
| Noncurrent assets plus other real estate owned to assets | 1.0750% | 2,597 |
| Noncurrent loans to loans | 0.8828% | 3,113 |
| Net loans and leases to total assets | 79.0589% | 878 |
| Net loans and leases to deposits | 88.1564% | 1,720 |
| Net loans and leases to core deposits | 95.1246% | 1,797 |
| Total domestic deposits to total assets | 89.6803% | 882 |
| Equity capital to assets | 9.6903% | 4,483 |
| Core capital (leverage) ratio | 9.5794% | 4,133 |
| Tier 1 risk-based capital ratio | 14.5759% | 3,735 |
| Total risk-based capital ratio | 15.8278% | 3,666 |
| Memoranda: | ||
| Average total assets | $58,977,800 | 5,573 |
| Average earning assets | $55,093,600 | 5,548 |
| Average equity | $5,510,200 | 5,740 |
| Average total loans | $43,752,200 | 5,044 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5211% | 308 |
| Cost of funding earning assets | 0.3823% | 3,996 |
| Net interest margin | 5.1387% | 226 |
| Noninterest income to average assets | 0.8746% | 1,606 |
| Noninterest expense to average assets | 3.5860% | 1,319 |
| Loan and lease loss provision to assets | 0.1169% | 2,111 |
| Net operating income to assets | 1.9762% | 355 |
| Return on assets (ROA) | 1.9762% | 368 |
| Pretax return on assets | 1.9762% | 601 |
| Return on Equity (ROE) | 21.3454% | 217 |
| Retained earnings to average equity (ytd only) | 8.8879% | 1,037 |
| Net charge-offs to loans | -0.0834% | 6,086 |
| Credit loss provision to net charge-offs | -192.5926% | 5,551 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1433% | 4,697 |
| Assets per employee ($millions) | 3.3924% | 5,061 |
| Cash dividends to net income (ytd only)* | 58.3616% | 1,457 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1434% | 4,543 |
| Loan loss allowance to noncurrent loans | 117.5556% | 3,273 |
| Noncurrent assets plus other real estate owned to assets | 1.1097% | 2,732 |
| Noncurrent loans to loans | 0.9727% | 3,132 |
| Net loans and leases to total assets | 79.3033% | 799 |
| Net loans and leases to deposits | 88.7283% | 1,587 |
| Net loans and leases to core deposits | 96.2619% | 1,656 |
| Total domestic deposits to total assets | 89.3777% | 1,038 |
| Equity capital to assets | 9.8039% | 4,414 |
| Core capital (leverage) ratio | 9.6891% | 4,095 |
| Tier 1 risk-based capital ratio | 14.8630% | 3,669 |
| Total risk-based capital ratio | 16.1145% | 3,604 |
| Memoranda: | ||
| Average total assets | $59,303,250 | 5,628 |
| Average earning assets | $55,446,750 | 5,599 |
| Average equity | $5,490,500 | 5,804 |
| Average total loans | $43,164,750 | 5,122 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3485% | 404 |
| Cost of funding earning assets | 0.4037% | 3,833 |
| Net interest margin | 4.9448% | 319 |
| Noninterest income to average assets | 0.8589% | 1,626 |
| Noninterest expense to average assets | 3.5089% | 1,461 |
| Loan and lease loss provision to assets | 0.0902% | 2,522 |
| Net operating income to assets | 1.8848% | 423 |
| Return on assets (ROA) | 1.8848% | 435 |
| Pretax return on assets | 1.8848% | 707 |
| Return on Equity (ROE) | 20.7506% | 251 |
| Retained earnings to average equity (ytd only) | 8.1678% | 1,263 |
| Net charge-offs to loans | -0.0142% | 5,430 |
| Credit loss provision to net charge-offs | -900.0000% | 5,699 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9854% | 4,692 |
| Assets per employee ($millions) | 3.4919% | 4,867 |
| Cash dividends to net income (ytd only)* | 60.6383% | 1,499 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1017% | 4,900 |
| Loan loss allowance to noncurrent loans | 178.4387% | 2,348 |
| Noncurrent assets plus other real estate owned to assets | 0.7142% | 3,843 |
| Noncurrent loans to loans | 0.6174% | 4,174 |
| Net loans and leases to total assets | 72.5856% | 1,635 |
| Net loans and leases to deposits | 80.3270% | 2,473 |
| Net loans and leases to core deposits | 86.9589% | 2,422 |
| Total domestic deposits to total assets | 90.3627% | 635 |
| Equity capital to assets | 9.2751% | 5,005 |
| Core capital (leverage) ratio | 9.0402% | 4,961 |
| Tier 1 risk-based capital ratio | 15.3463% | 3,443 |
| Total risk-based capital ratio | 16.5970% | 3,396 |
| Memoranda: | ||
| Average total assets | $59,847,330 | 5,665 |
| Average earning assets | $55,978,330 | 5,623 |
| Average equity | $5,436,000 | 5,855 |
| Average total loans | $42,131,670 | 5,194 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1409% | 551 |
| Cost of funding earning assets | 0.4557% | 3,369 |
| Net interest margin | 4.6852% | 482 |
| Noninterest income to average assets | 0.7988% | 1,755 |
| Noninterest expense to average assets | 3.3483% | 1,829 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.8306% | 458 |
| Return on assets (ROA) | 1.8306% | 479 |
| Pretax return on assets | 1.8306% | 769 |
| Return on Equity (ROE) | 20.3666% | 269 |
| Retained earnings to average equity (ytd only) | 20.3666% | 112 |
| Net charge-offs to loans | -0.1739% | 6,343 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6530% | 4,754 |
| Assets per employee ($millions) | 3.5589% | 4,809 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1502% | 4,872 |
| Loan loss allowance to noncurrent loans | 33.0508% | 5,773 |
| Noncurrent assets plus other real estate owned to assets | 2.6214% | 1,179 |
| Noncurrent loans to loans | 3.4801% | 842 |
| Net loans and leases to total assets | 66.4771% | 2,488 |
| Net loans and leases to deposits | 73.4022% | 3,142 |
| Net loans and leases to core deposits | 79.0643% | 3,083 |
| Total domestic deposits to total assets | 90.5656% | 762 |
| Equity capital to assets | 9.1766% | 4,900 |
| Core capital (leverage) ratio | 9.2606% | 4,632 |
| Tier 1 risk-based capital ratio | 15.8079% | 3,262 |
| Total risk-based capital ratio | 17.0584% | 3,227 |
| Memoranda: | ||
| Average total assets | $60,089,500 | 5,710 |
| Average earning assets | $56,177,000 | 5,661 |
| Average equity | $5,401,000 | 5,896 |
| Average total loans | $41,413,000 | 5,264 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6084% | 308 |
| Cost of funding earning assets | 0.5048% | 3,561 |
| Net interest margin | 5.1036% | 259 |
| Noninterest income to average assets | 0.8541% | 1,851 |
| Noninterest expense to average assets | 3.4824% | 1,697 |
| Loan and lease loss provision to assets | 0.0965% | 3,191 |
| Net operating income to assets | 2.0083% | 335 |
| Return on assets (ROA) | 2.0083% | 337 |
| Pretax return on assets | 2.0083% | 470 |
| Return on Equity (ROE) | 21.5095% | 210 |
| Retained earnings to average equity (ytd only) | 4.1335% | 3,231 |
| Net charge-offs to loans | 0.0249% | 4,922 |
| Credit loss provision to net charge-offs | 540.0000% | 432 |
| Earnings coverage of net charge-offs (x) | 117.8000% | 401 |
| Efficiency ratio | 62.3281% | 5,151 |
| Assets per employee ($millions) | 3.5104% | 4,884 |
| Cash dividends to net income (ytd only)* | 80.7829% | 896 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0679% | 5,286 |
| Loan loss allowance to noncurrent loans | 42.6540% | 5,540 |
| Noncurrent assets plus other real estate owned to assets | 2.1952% | 1,630 |
| Noncurrent loans to loans | 2.5037% | 1,511 |
| Net loans and leases to total assets | 69.8561% | 2,038 |
| Net loans and leases to deposits | 76.7029% | 2,896 |
| Net loans and leases to core deposits | 82.2541% | 2,866 |
| Total domestic deposits to total assets | 91.0736% | 544 |
| Equity capital to assets | 8.7974% | 5,258 |
| Core capital (leverage) ratio | 9.0059% | 4,994 |
| Tier 1 risk-based capital ratio | 14.4786% | 3,967 |
| Total risk-based capital ratio | 15.7109% | 3,920 |
| Memoranda: | ||
| Average total assets | $55,967,800 | 5,872 |
| Average earning assets | $51,904,600 | 5,839 |
| Average equity | $5,225,600 | 6,011 |
| Average total loans | $40,083,000 | 5,341 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6900% | 282 |
| Cost of funding earning assets | 0.5128% | 3,641 |
| Net interest margin | 5.1773% | 224 |
| Noninterest income to average assets | 0.9302% | 1,659 |
| Noninterest expense to average assets | 3.5730% | 1,450 |
| Loan and lease loss provision to assets | 0.0993% | 3,103 |
| Net operating income to assets | 2.0518% | 328 |
| Return on assets (ROA) | 2.0518% | 339 |
| Pretax return on assets | 2.0518% | 513 |
| Return on Equity (ROE) | 21.6364% | 216 |
| Retained earnings to average equity (ytd only) | 6.1052% | 2,344 |
| Net charge-offs to loans | -0.0236% | 6,100 |
| Credit loss provision to net charge-offs | -585.7143% | 6,091 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4207% | 5,077 |
| Assets per employee ($millions) | 3.3322% | 5,221 |
| Cash dividends to net income (ytd only)* | 71.7828% | 1,025 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0860% | 5,383 |
| Loan loss allowance to noncurrent loans | 58.8083% | 4,868 |
| Noncurrent assets plus other real estate owned to assets | 1.5323% | 2,634 |
| Noncurrent loans to loans | 1.8467% | 2,438 |
| Net loans and leases to total assets | 72.9977% | 1,454 |
| Net loans and leases to deposits | 80.8537% | 2,283 |
| Net loans and leases to core deposits | 85.6075% | 2,452 |
| Total domestic deposits to total assets | 90.2837% | 847 |
| Equity capital to assets | 9.3491% | 4,742 |
| Core capital (leverage) ratio | 9.4237% | 4,508 |
| Tier 1 risk-based capital ratio | 14.9128% | 3,808 |
| Total risk-based capital ratio | 16.1626% | 3,759 |
| Memoranda: | ||
| Average total assets | $55,040,500 | 5,963 |
| Average earning assets | $50,965,250 | 5,928 |
| Average equity | $5,219,500 | 6,082 |
| Average total loans | $39,569,250 | 5,413 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6272% | 302 |
| Cost of funding earning assets | 0.5144% | 3,762 |
| Net interest margin | 5.1127% | 250 |
| Noninterest income to average assets | 0.9394% | 1,689 |
| Noninterest expense to average assets | 3.5887% | 1,430 |
| Loan and lease loss provision to assets | 0.0917% | 3,256 |
| Net operating income to assets | 1.9998% | 359 |
| Return on assets (ROA) | 1.9998% | 383 |
| Pretax return on assets | 1.9998% | 607 |
| Return on Equity (ROE) | 20.9858% | 251 |
| Retained earnings to average equity (ytd only) | 5.3908% | 2,819 |
| Net charge-offs to loans | -0.1648% | 6,615 |
| Credit loss provision to net charge-offs | -78.1250% | 5,582 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1783% | 4,992 |
| Assets per employee ($millions) | 3.2726% | 5,328 |
| Cash dividends to net income (ytd only)* | 74.3119% | 1,058 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1742% | 5,126 |
| Loan loss allowance to noncurrent loans | 83.7251% | 3,916 |
| Noncurrent assets plus other real estate owned to assets | 1.3247% | 3,125 |
| Noncurrent loans to loans | 1.4024% | 3,188 |
| Net loans and leases to total assets | 70.0422% | 1,870 |
| Net loans and leases to deposits | 77.5498% | 2,631 |
| Net loans and leases to core deposits | 81.3766% | 2,874 |
| Total domestic deposits to total assets | 90.3190% | 848 |
| Equity capital to assets | 9.3448% | 4,791 |
| Core capital (leverage) ratio | 9.2737% | 4,590 |
| Tier 1 risk-based capital ratio | 14.8958% | 3,844 |
| Total risk-based capital ratio | 16.1478% | 3,812 |
| Memoranda: | ||
| Average total assets | $54,505,000 | 6,009 |
| Average earning assets | $50,540,670 | 5,976 |
| Average equity | $5,194,000 | 6,135 |
| Average total loans | $38,824,000 | 5,475 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6309% | 302 |
| Cost of funding earning assets | 0.5199% | 3,887 |
| Net interest margin | 5.1110% | 232 |
| Noninterest income to average assets | 0.9270% | 1,668 |
| Noninterest expense to average assets | 3.4779% | 1,665 |
| Loan and lease loss provision to assets | 0.1187% | 2,748 |
| Net operating income to assets | 2.0690% | 308 |
| Return on assets (ROA) | 2.0690% | 337 |
| Pretax return on assets | 2.0690% | 530 |
| Return on Equity (ROE) | 21.4967% | 219 |
| Retained earnings to average equity (ytd only) | 5.8557% | 2,756 |
| Net charge-offs to loans | -0.3219% | 6,790 |
| Credit loss provision to net charge-offs | -51.6129% | 5,063 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3874% | 5,396 |
| Assets per employee ($millions) | 3.2078% | 5,607 |
| Cash dividends to net income (ytd only)* | 72.7599% | 1,026 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2007% | 5,172 |
| Loan loss allowance to noncurrent loans | 129.7994% | 2,691 |
| Noncurrent assets plus other real estate owned to assets | 0.8967% | 4,142 |
| Noncurrent loans to loans | 0.9250% | 4,285 |
| Net loans and leases to total assets | 68.3531% | 1,948 |
| Net loans and leases to deposits | 75.8100% | 2,664 |
| Net loans and leases to core deposits | 80.3635% | 2,767 |
| Total domestic deposits to total assets | 90.1638% | 953 |
| Equity capital to assets | 9.5740% | 4,747 |
| Core capital (leverage) ratio | 9.6113% | 3,899 |
| Tier 1 risk-based capital ratio | 13.4896% | 4,881 |
| Total risk-based capital ratio | 14.6770% | 4,875 |
| Memoranda: | ||
| Average total assets | $53,940,000 | 6,081 |
| Average earning assets | $50,010,000 | 6,051 |
| Average equity | $5,191,500 | 6,188 |
| Average total loans | $38,520,500 | 5,528 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1048% | 232 |
| Cost of funding earning assets | 0.6160% | 4,210 |
| Net interest margin | 5.4887% | 174 |
| Noninterest income to average assets | 1.0139% | 1,494 |
| Noninterest expense to average assets | 3.6036% | 1,599 |
| Loan and lease loss provision to assets | 0.1994% | 3,142 |
| Net operating income to assets | 2.2689% | 223 |
| Return on assets (ROA) | 2.2689% | 244 |
| Pretax return on assets | 2.2689% | 354 |
| Return on Equity (ROE) | 23.5709% | 163 |
| Retained earnings to average equity (ytd only) | 5.8779% | 2,153 |
| Net charge-offs to loans | 0.2871% | 3,223 |
| Credit loss provision to net charge-offs | 92.9204% | 3,350 |
| Earnings coverage of net charge-offs (x) | 11.5044% | 2,021 |
| Efficiency ratio | 59.3496% | 5,642 |
| Assets per employee ($millions) | 3.1381% | 5,769 |
| Cash dividends to net income (ytd only)* | 75.0628% | 1,176 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0327% | 5,842 |
| Loan loss allowance to noncurrent loans | 78.5300% | 3,960 |
| Noncurrent assets plus other real estate owned to assets | 1.1435% | 3,749 |
| Noncurrent loans to loans | 1.3151% | 3,638 |
| Net loans and leases to total assets | 72.9319% | 1,347 |
| Net loans and leases to deposits | 80.8524% | 2,169 |
| Net loans and leases to core deposits | 85.7795% | 2,342 |
| Total domestic deposits to total assets | 90.2038% | 843 |
| Equity capital to assets | 9.6763% | 4,626 |
| Core capital (leverage) ratio | 9.5613% | 4,019 |
| Tier 1 risk-based capital ratio | 14.8021% | 3,832 |
| Total risk-based capital ratio | 15.9874% | 3,827 |
| Memoranda: | ||
| Average total assets | $52,669,600 | 6,128 |
| Average earning assets | $48,535,800 | 6,101 |
| Average equity | $5,069,800 | 6,272 |
| Average total loans | $39,352,400 | 5,535 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1630% | 228 |
| Cost of funding earning assets | 0.6387% | 4,291 |
| Net interest margin | 5.5242% | 169 |
| Noninterest income to average assets | 1.0108% | 1,474 |
| Noninterest expense to average assets | 3.8119% | 1,189 |
| Loan and lease loss provision to assets | 0.2616% | 2,482 |
| Net operating income to assets | 2.0114% | 385 |
| Return on assets (ROA) | 2.0114% | 429 |
| Pretax return on assets | 2.0114% | 691 |
| Return on Equity (ROE) | 20.9238% | 284 |
| Retained earnings to average equity (ytd only) | 5.8386% | 2,800 |
| Net charge-offs to loans | 0.0474% | 4,991 |
| Credit loss provision to net charge-offs | 735.7143% | 376 |
| Earnings coverage of net charge-offs (x) | 63.9154% | 621 |
| Efficiency ratio | 62.6461% | 5,041 |
| Assets per employee ($millions) | 3.1094% | 5,829 |
| Cash dividends to net income (ytd only)* | 72.0958% | 861 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2418% | 5,085 |
| Loan loss allowance to noncurrent loans | 139.3352% | 2,426 |
| Noncurrent assets plus other real estate owned to assets | 0.7908% | 4,729 |
| Noncurrent loans to loans | 0.8912% | 4,648 |
| Net loans and leases to total assets | 75.6806% | 1,015 |
| Net loans and leases to deposits | 84.1552% | 1,853 |
| Net loans and leases to core deposits | 89.3365% | 2,063 |
| Total domestic deposits to total assets | 89.9298% | 887 |
| Equity capital to assets | 9.6559% | 4,982 |
| Core capital (leverage) ratio | 9.3926% | 4,442 |
| Tier 1 risk-based capital ratio | 14.2360% | 4,358 |
| Total risk-based capital ratio | 15.4877% | 4,328 |
| Memoranda: | ||
| Average total assets | $52,500,250 | 6,206 |
| Average earning assets | $48,222,500 | 6,187 |
| Average equity | $5,046,750 | 6,345 |
| Average total loans | $39,362,250 | 5,604 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0937% | 261 |
| Cost of funding earning assets | 0.6706% | 4,270 |
| Net interest margin | 5.4231% | 202 |
| Noninterest income to average assets | 1.0424% | 1,342 |
| Noninterest expense to average assets | 3.8640% | 1,125 |
| Loan and lease loss provision to assets | 0.0764% | 4,665 |
| Net operating income to assets | 2.0733% | 349 |
| Return on assets (ROA) | 2.0733% | 389 |
| Pretax return on assets | 2.0733% | 605 |
| Return on Equity (ROE) | 21.6005% | 263 |
| Retained earnings to average equity (ytd only) | 6.0465% | 2,689 |
| Net charge-offs to loans | -0.3130% | 7,077 |
| Credit loss provision to net charge-offs | -32.7869% | 5,971 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2540% | 4,855 |
| Assets per employee ($millions) | 2.9850% | 6,092 |
| Cash dividends to net income (ytd only)* | 72.0074% | 1,029 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2462% | 5,136 |
| Loan loss allowance to noncurrent loans | 133.0645% | 2,486 |
| Noncurrent assets plus other real estate owned to assets | 0.9269% | 4,518 |
| Noncurrent loans to loans | 0.9365% | 4,639 |
| Net loans and leases to total assets | 73.0058% | 1,389 |
| Net loans and leases to deposits | 80.9301% | 2,240 |
| Net loans and leases to core deposits | 84.3334% | 2,645 |
| Total domestic deposits to total assets | 90.2084% | 810 |
| Equity capital to assets | 9.3728% | 5,226 |
| Core capital (leverage) ratio | 9.2024% | 4,607 |
| Tier 1 risk-based capital ratio | 14.0473% | 4,416 |
| Total risk-based capital ratio | 15.2997% | 4,379 |
| Memoranda: | ||
| Average total assets | $52,380,670 | 6,254 |
| Average earning assets | $48,016,670 | 6,233 |
| Average equity | $5,027,670 | 6,383 |
| Average total loans | $38,980,670 | 5,649 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1172% | 257 |
| Cost of funding earning assets | 0.7078% | 4,212 |
| Net interest margin | 5.4094% | 213 |
| Noninterest income to average assets | 1.0753% | 1,248 |
| Noninterest expense to average assets | 3.8216% | 1,180 |
| Loan and lease loss provision to assets | 0.1547% | 3,441 |
| Net operating income to assets | 2.0655% | 371 |
| Return on assets (ROA) | 2.0655% | 429 |
| Pretax return on assets | 2.0655% | 667 |
| Return on Equity (ROE) | 21.2601% | 304 |
| Retained earnings to average equity (ytd only) | 21.2601% | 153 |
| Net charge-offs to loans | -0.0829% | 6,727 |
| Credit loss provision to net charge-offs | -250.0000% | 5,635 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2522% | 5,056 |
| Assets per employee ($millions) | 2.9115% | 6,323 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1651% | 5,655 |
| Loan loss allowance to noncurrent loans | 91.7012% | 3,288 |
| Noncurrent assets plus other real estate owned to assets | 0.9331% | 4,648 |
| Noncurrent loans to loans | 1.2705% | 4,204 |
| Net loans and leases to total assets | 71.5458% | 1,475 |
| Net loans and leases to deposits | 79.6140% | 2,262 |
| Net loans and leases to core deposits | 84.3115% | 2,512 |
| Total domestic deposits to total assets | 89.8659% | 1,151 |
| Equity capital to assets | 9.8327% | 4,329 |
| Core capital (leverage) ratio | 9.8808% | 3,527 |
| Tier 1 risk-based capital ratio | 14.7685% | 3,914 |
| Total risk-based capital ratio | 16.0199% | 3,874 |
| Memoranda: | ||
| Average total assets | $51,706,000 | 6,314 |
| Average earning assets | $47,473,000 | 6,288 |
| Average equity | $5,023,500 | 6,422 |
| Average total loans | $38,610,500 | 5,704 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3624% | 230 |
| Cost of funding earning assets | 0.8615% | 4,382 |
| Net interest margin | 5.5009% | 176 |
| Noninterest income to average assets | 1.1114% | 1,074 |
| Noninterest expense to average assets | 3.8039% | 1,344 |
| Loan and lease loss provision to assets | 0.4050% | 2,569 |
| Net operating income to assets | 1.9626% | 331 |
| Return on assets (ROA) | 1.9626% | 351 |
| Pretax return on assets | 1.9626% | 572 |
| Return on Equity (ROE) | 20.6133% | 241 |
| Retained earnings to average equity (ytd only) | 2.8156% | 4,240 |
| Net charge-offs to loans | 0.2803% | 4,019 |
| Credit loss provision to net charge-offs | 189.9083% | 1,349 |
| Earnings coverage of net charge-offs (x) | 11.1009% | 1,755 |
| Efficiency ratio | 61.6360% | 5,513 |
| Assets per employee ($millions) | 2.8336% | 6,401 |
| Cash dividends to net income (ytd only)* | 86.3410% | 606 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0539% | 5,983 |
| Loan loss allowance to noncurrent loans | 50.2427% | 5,008 |
| Noncurrent assets plus other real estate owned to assets | 1.6293% | 3,517 |
| Noncurrent loans to loans | 2.0975% | 3,068 |
| Net loans and leases to total assets | 76.2082% | 922 |
| Net loans and leases to deposits | 84.4504% | 1,864 |
| Net loans and leases to core deposits | 89.5478% | 2,186 |
| Total domestic deposits to total assets | 90.2402% | 854 |
| Equity capital to assets | 9.5951% | 4,752 |
| Core capital (leverage) ratio | 9.3161% | 4,304 |
| Tier 1 risk-based capital ratio | 13.6898% | 4,566 |
| Total risk-based capital ratio | 14.8775% | 4,565 |
| Memoranda: | ||
| Average total assets | $51,106,000 | 6,332 |
| Average earning assets | $47,010,800 | 6,296 |
| Average equity | $4,865,800 | 6,489 |
| Average total loans | $38,888,200 | 5,745 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3538% | 248 |
| Cost of funding earning assets | 0.8963% | 4,424 |
| Net interest margin | 5.4575% | 187 |
| Noninterest income to average assets | 1.0900% | 1,128 |
| Noninterest expense to average assets | 3.8254% | 1,270 |
| Loan and lease loss provision to assets | 0.1930% | 4,092 |
| Net operating income to assets | 2.0887% | 298 |
| Return on assets (ROA) | 2.0887% | 318 |
| Pretax return on assets | 2.0887% | 531 |
| Return on Equity (ROE) | 21.9803% | 220 |
| Retained earnings to average equity (ytd only) | 5.5979% | 2,792 |
| Net charge-offs to loans | -0.0034% | 6,688 |
| Credit loss provision to net charge-offs | -7,400.0000% | 6,907 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6388% | 5,304 |
| Assets per employee ($millions) | 2.8901% | 6,331 |
| Cash dividends to net income (ytd only)* | 74.5321% | 757 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9838% | 6,339 |
| Loan loss allowance to noncurrent loans | 50.9778% | 4,949 |
| Noncurrent assets plus other real estate owned to assets | 1.4878% | 3,885 |
| Noncurrent loans to loans | 1.9299% | 3,464 |
| Net loans and leases to total assets | 75.6430% | 1,029 |
| Net loans and leases to deposits | 84.0026% | 1,997 |
| Net loans and leases to core deposits | 88.4630% | 2,429 |
| Total domestic deposits to total assets | 90.0484% | 842 |
| Equity capital to assets | 9.5556% | 5,000 |
| Core capital (leverage) ratio | 9.2515% | 4,543 |
| Tier 1 risk-based capital ratio | 13.6410% | 4,622 |
| Total risk-based capital ratio | 14.7432% | 4,709 |
| Memoranda: | ||
| Average total assets | $51,131,250 | 6,386 |
| Average earning assets | $47,004,750 | 6,338 |
| Average equity | $4,858,750 | 6,543 |
| Average total loans | $38,789,250 | 5,801 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3324% | 266 |
| Cost of funding earning assets | 0.9156% | 4,547 |
| Net interest margin | 5.4168% | 204 |
| Noninterest income to average assets | 1.1410% | 995 |
| Noninterest expense to average assets | 3.8242% | 1,316 |
| Loan and lease loss provision to assets | 0.1456% | 4,487 |
| Net operating income to assets | 2.1521% | 276 |
| Return on assets (ROA) | 2.1521% | 283 |
| Pretax return on assets | 2.1521% | 445 |
| Return on Equity (ROE) | 22.6908% | 210 |
| Retained earnings to average equity (ytd only) | 6.1394% | 2,336 |
| Net charge-offs to loans | -0.1508% | 7,253 |
| Credit loss provision to net charge-offs | -127.5862% | 6,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4679% | 5,508 |
| Assets per employee ($millions) | 2.8729% | 6,346 |
| Cash dividends to net income (ytd only)* | 72.9433% | 962 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9803% | 6,417 |
| Loan loss allowance to noncurrent loans | 68.5817% | 4,018 |
| Noncurrent assets plus other real estate owned to assets | 1.1893% | 4,516 |
| Noncurrent loans to loans | 1.4294% | 4,271 |
| Net loans and leases to total assets | 74.6171% | 1,301 |
| Net loans and leases to deposits | 82.8150% | 2,313 |
| Net loans and leases to core deposits | 87.1134% | 2,750 |
| Total domestic deposits to total assets | 90.1009% | 920 |
| Equity capital to assets | 9.4833% | 4,835 |
| Core capital (leverage) ratio | 9.2388% | 4,340 |
| Tier 1 risk-based capital ratio | 13.8614% | 4,259 |
| Total risk-based capital ratio | 14.9684% | 4,343 |
| Memoranda: | ||
| Average total assets | $50,834,330 | 6,457 |
| Average earning assets | $46,743,670 | 6,412 |
| Average equity | $4,821,330 | 6,590 |
| Average total loans | $38,471,670 | 5,869 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3563% | 255 |
| Cost of funding earning assets | 0.9401% | 4,645 |
| Net interest margin | 5.4162% | 190 |
| Noninterest income to average assets | 1.2223% | 851 |
| Noninterest expense to average assets | 3.7781% | 1,376 |
| Loan and lease loss provision to assets | 0.1984% | 3,644 |
| Net operating income to assets | 2.2304% | 247 |
| Return on assets (ROA) | 2.2304% | 262 |
| Pretax return on assets | 2.2304% | 379 |
| Return on Equity (ROE) | 23.5146% | 197 |
| Retained earnings to average equity (ytd only) | 6.6946% | 2,281 |
| Net charge-offs to loans | -0.1360% | 7,171 |
| Credit loss provision to net charge-offs | -192.3077% | 5,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8696% | 5,850 |
| Assets per employee ($millions) | 2.8301% | 6,474 |
| Cash dividends to net income (ytd only)* | 71.5302% | 989 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9365% | 6,602 |
| Loan loss allowance to noncurrent loans | 83.4906% | 3,403 |
| Noncurrent assets plus other real estate owned to assets | 0.9462% | 4,999 |
| Noncurrent loans to loans | 1.1217% | 4,829 |
| Net loans and leases to total assets | 73.5071% | 1,420 |
| Net loans and leases to deposits | 81.4380% | 2,457 |
| Net loans and leases to core deposits | 85.7182% | 2,918 |
| Total domestic deposits to total assets | 90.2615% | 983 |
| Equity capital to assets | 9.4617% | 4,488 |
| Core capital (leverage) ratio | 9.3116% | 4,107 |
| Tier 1 risk-based capital ratio | 14.0290% | 4,055 |
| Total risk-based capital ratio | 15.0823% | 4,166 |
| Memoranda: | ||
| Average total assets | $50,395,500 | 6,521 |
| Average earning assets | $46,379,000 | 6,477 |
| Average equity | $4,780,000 | 6,624 |
| Average total loans | $38,223,500 | 5,929 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6734% | 241 |
| Cost of funding earning assets | 1.1366% | 4,927 |
| Net interest margin | 5.5368% | 162 |
| Noninterest income to average assets | 0.9650% | 1,629 |
| Noninterest expense to average assets | 3.8740% | 1,358 |
| Loan and lease loss provision to assets | 0.3151% | 4,283 |
| Net operating income to assets | 1.8052% | 413 |
| Return on assets (ROA) | 1.8052% | 447 |
| Pretax return on assets | 1.8052% | 752 |
| Return on Equity (ROE) | 19.7178% | 273 |
| Retained earnings to average equity (ytd only) | 7.8352% | 1,030 |
| Net charge-offs to loans | 0.4063% | 4,015 |
| Credit loss provision to net charge-offs | 104.6053% | 4,292 |
| Earnings coverage of net charge-offs (x) | 7.0395% | 2,212 |
| Efficiency ratio | 64.6281% | 5,238 |
| Assets per employee ($millions) | 2.7694% | 6,573 |
| Cash dividends to net income (ytd only)* | 60.2634% | 1,612 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8177% | 6,933 |
| Loan loss allowance to noncurrent loans | 59.9620% | 4,433 |
| Noncurrent assets plus other real estate owned to assets | 1.1735% | 4,663 |
| Noncurrent loans to loans | 1.3636% | 4,440 |
| Net loans and leases to total assets | 76.8942% | 1,111 |
| Net loans and leases to deposits | 85.1459% | 2,250 |
| Net loans and leases to core deposits | 90.4673% | 2,698 |
| Total domestic deposits to total assets | 90.3087% | 930 |
| Equity capital to assets | 9.5087% | 4,392 |
| Core capital (leverage) ratio | 9.0641% | 4,427 |
| Tier 1 risk-based capital ratio | 13.4395% | 4,264 |
| Total risk-based capital ratio | 14.3557% | 4,482 |
| Memoranda: | ||
| Average total assets | $50,464,800 | 6,514 |
| Average earning assets | $45,838,600 | 6,516 |
| Average equity | $4,620,200 | 6,779 |
| Average total loans | $37,415,000 | 6,041 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6348% | 265 |
| Cost of funding earning assets | 1.1606% | 5,082 |
| Net interest margin | 5.4742% | 183 |
| Noninterest income to average assets | 1.1247% | 1,107 |
| Noninterest expense to average assets | 3.9905% | 1,056 |
| Loan and lease loss provision to assets | 0.3029% | 4,153 |
| Net operating income to assets | 1.7885% | 524 |
| Return on assets (ROA) | 1.7885% | 570 |
| Pretax return on assets | 1.7885% | 947 |
| Return on Equity (ROE) | 19.7225% | 324 |
| Retained earnings to average equity (ytd only) | 9.0043% | 1,050 |
| Net charge-offs to loans | 0.1401% | 5,180 |
| Credit loss provision to net charge-offs | 294.8718% | 1,086 |
| Earnings coverage of net charge-offs (x) | 20.3585% | 1,171 |
| Efficiency ratio | 65.6128% | 4,946 |
| Assets per employee ($millions) | 2.8050% | 6,573 |
| Cash dividends to net income (ytd only)* | 54.3449% | 1,460 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9914% | 6,435 |
| Loan loss allowance to noncurrent loans | 109.3750% | 2,561 |
| Noncurrent assets plus other real estate owned to assets | 1.9806% | 3,490 |
| Noncurrent loans to loans | 0.9064% | 5,434 |
| Net loans and leases to total assets | 76.1497% | 1,380 |
| Net loans and leases to deposits | 84.4454% | 2,632 |
| Net loans and leases to core deposits | 90.4255% | 3,039 |
| Total domestic deposits to total assets | 90.1763% | 788 |
| Equity capital to assets | 9.3444% | 5,059 |
| Core capital (leverage) ratio | 9.0202% | 4,664 |
| Tier 1 risk-based capital ratio | 12.8635% | 4,680 |
| Total risk-based capital ratio | 13.9441% | 4,801 |
| Memoranda: | ||
| Average total assets | $50,618,750 | 6,588 |
| Average earning assets | $45,838,250 | 6,598 |
| Average equity | $4,590,250 | 6,875 |
| Average total loans | $37,107,000 | 6,141 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5659% | 306 |
| Cost of funding earning assets | 1.1875% | 5,196 |
| Net interest margin | 5.3785% | 208 |
| Noninterest income to average assets | 1.1014% | 1,095 |
| Noninterest expense to average assets | 3.8885% | 1,206 |
| Loan and lease loss provision to assets | 0.2842% | 4,122 |
| Net operating income to assets | 1.7923% | 492 |
| Return on assets (ROA) | 1.7923% | 538 |
| Pretax return on assets | 1.7923% | 902 |
| Return on Equity (ROE) | 19.9663% | 321 |
| Retained earnings to average equity (ytd only) | 10.0711% | 832 |
| Net charge-offs to loans | -0.0712% | 7,508 |
| Credit loss provision to net charge-offs | -553.8462% | 6,837 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1886% | 5,120 |
| Assets per employee ($millions) | 2.8167% | 6,537 |
| Cash dividends to net income (ytd only)* | 49.5595% | 1,705 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0617% | 6,126 |
| Loan loss allowance to noncurrent loans | 63.4461% | 4,162 |
| Noncurrent assets plus other real estate owned to assets | 2.4083% | 2,987 |
| Noncurrent loans to loans | 1.6734% | 4,183 |
| Net loans and leases to total assets | 72.4181% | 2,296 |
| Net loans and leases to deposits | 80.1082% | 3,578 |
| Net loans and leases to core deposits | 84.6654% | 4,047 |
| Total domestic deposits to total assets | 90.4004% | 719 |
| Equity capital to assets | 9.1361% | 5,238 |
| Core capital (leverage) ratio | 8.8552% | 4,826 |
| Tier 1 risk-based capital ratio | 12.9116% | 4,519 |
| Total risk-based capital ratio | 14.0415% | 4,583 |
| Memoranda: | ||
| Average total assets | $50,661,670 | 6,631 |
| Average earning assets | $45,812,330 | 6,641 |
| Average equity | $4,547,670 | 6,921 |
| Average total loans | $36,531,670 | 6,220 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6047% | 305 |
| Cost of funding earning assets | 1.2160% | 5,305 |
| Net interest margin | 5.3887% | 214 |
| Noninterest income to average assets | 1.1848% | 867 |
| Noninterest expense to average assets | 3.9098% | 1,156 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 2.1405% | 277 |
| Return on assets (ROA) | 2.1405% | 305 |
| Pretax return on assets | 2.1405% | 465 |
| Return on Equity (ROE) | 24.0595% | 189 |
| Retained earnings to average equity (ytd only) | 24.0595% | 111 |
| Net charge-offs to loans | -0.1987% | 7,672 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6214% | 5,368 |
| Assets per employee ($millions) | 2.8441% | 6,536 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9182% | 6,780 |
| Loan loss allowance to noncurrent loans | 165.1515% | 1,693 |
| Noncurrent assets plus other real estate owned to assets | 0.3868% | 6,506 |
| Noncurrent loans to loans | 0.5560% | 6,183 |
| Net loans and leases to total assets | 68.9241% | 3,171 |
| Net loans and leases to deposits | 76.0190% | 4,414 |
| Net loans and leases to core deposits | 80.2643% | 4,731 |
| Total domestic deposits to total assets | 90.6669% | 669 |
| Equity capital to assets | 9.0557% | 5,195 |
| Core capital (leverage) ratio | 9.0202% | 4,525 |
| Tier 1 risk-based capital ratio | 11.3325% | 5,827 |
| Total risk-based capital ratio | 12.1480% | 6,232 |
| Memoranda: | ||
| Average total assets | $50,642,500 | 6,713 |
| Average earning assets | $45,725,000 | 6,718 |
| Average equity | $4,505,500 | 7,001 |
| Average total loans | $36,242,500 | 6,298 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0601% | 254 |
| Cost of funding earning assets | 1.4918% | 5,543 |
| Net interest margin | 5.5683% | 179 |
| Noninterest income to average assets | 1.0623% | 1,365 |
| Noninterest expense to average assets | 4.0909% | 1,246 |
| Loan and lease loss provision to assets | 0.0822% | 6,789 |
| Net operating income to assets | 1.9355% | 265 |
| Return on assets (ROA) | 1.9355% | 272 |
| Pretax return on assets | 1.9355% | 468 |
| Return on Equity (ROE) | 21.4013% | 183 |
| Retained earnings to average equity (ytd only) | 3.5896% | 2,672 |
| Net charge-offs to loans | 0.1202% | 5,974 |
| Credit loss provision to net charge-offs | 95.2381% | 5,810 |
| Earnings coverage of net charge-offs (x) | 23.3810% | 933 |
| Efficiency ratio | 66.9694% | 5,192 |
| Assets per employee ($millions) | 2.7828% | 6,686 |
| Cash dividends to net income (ytd only)* | 83.2272% | 1,065 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8380% | 7,020 |
| Loan loss allowance to noncurrent loans | 64.2412% | 4,179 |
| Noncurrent assets plus other real estate owned to assets | 1.0221% | 5,062 |
| Noncurrent loans to loans | 1.3045% | 4,743 |
| Net loans and leases to total assets | 72.9951% | 2,513 |
| Net loans and leases to deposits | 80.1948% | 3,955 |
| Net loans and leases to core deposits | 114.8475% | 2,429 |
| Total domestic deposits to total assets | 91.0223% | 527 |
| Equity capital to assets | 8.7341% | 5,545 |
| Core capital (leverage) ratio | 8.6314% | 5,050 |
| Tier 1 risk-based capital ratio | 11.0697% | 5,853 |
| Total risk-based capital ratio | 11.8693% | 6,257 |
| Memoranda: | ||
| Average total assets | $48,668,800 | 6,762 |
| Average earning assets | $44,107,200 | 6,761 |
| Average equity | $4,401,600 | 7,142 |
| Average total loans | $34,940,200 | 6,358 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1330% | 248 |
| Cost of funding earning assets | 1.5481% | 5,644 |
| Net interest margin | 5.5848% | 168 |
| Noninterest income to average assets | 1.0652% | 1,398 |
| Noninterest expense to average assets | 4.0899% | 1,163 |
| Loan and lease loss provision to assets | 0.1104% | 6,269 |
| Net operating income to assets | 1.9125% | 350 |
| Return on assets (ROA) | 1.9125% | 377 |
| Pretax return on assets | 1.9125% | 644 |
| Return on Equity (ROE) | 20.9602% | 262 |
| Retained earnings to average equity (ytd only) | 11.0395% | 468 |
| Net charge-offs to loans | 0.0039% | 6,930 |
| Credit loss provision to net charge-offs | 4,000.0000% | 101 |
| Earnings coverage of net charge-offs (x) | 734.8195% | 35 |
| Efficiency ratio | 66.9074% | 5,208 |
| Assets per employee ($millions) | 2.6788% | 6,894 |
| Cash dividends to net income (ytd only)* | 47.3300% | 2,133 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9567% | 6,505 |
| Loan loss allowance to noncurrent loans | 142.2764% | 1,995 |
| Noncurrent assets plus other real estate owned to assets | 0.5952% | 5,963 |
| Noncurrent loans to loans | 0.6724% | 5,958 |
| Net loans and leases to total assets | 75.1488% | 2,214 |
| Net loans and leases to deposits | 83.5354% | 3,721 |
| Net loans and leases to core deposits | 120.6941% | 2,188 |
| Total domestic deposits to total assets | 89.9604% | 783 |
| Equity capital to assets | 9.5523% | 4,675 |
| Core capital (leverage) ratio | 9.3177% | 4,163 |
| Tier 1 risk-based capital ratio | 11.4741% | 5,456 |
| Total risk-based capital ratio | 12.3695% | 5,790 |
| Memoranda: | ||
| Average total assets | $48,313,250 | 6,827 |
| Average earning assets | $43,664,750 | 6,834 |
| Average equity | $4,408,250 | 7,213 |
| Average total loans | $34,457,000 | 6,425 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0722% | 281 |
| Cost of funding earning assets | 1.6282% | 5,620 |
| Net interest margin | 5.4440% | 194 |
| Noninterest income to average assets | 1.0053% | 1,582 |
| Noninterest expense to average assets | 3.9963% | 1,320 |
| Loan and lease loss provision to assets | 0.1448% | 5,624 |
| Net operating income to assets | 1.7748% | 496 |
| Return on assets (ROA) | 1.7748% | 535 |
| Pretax return on assets | 1.7748% | 887 |
| Return on Equity (ROE) | 19.7590% | 349 |
| Retained earnings to average equity (ytd only) | 11.4685% | 502 |
| Net charge-offs to loans | -0.0296% | 7,778 |
| Credit loss provision to net charge-offs | -700.0000% | 7,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5524% | 5,242 |
| Assets per employee ($millions) | 2.7052% | 6,819 |
| Cash dividends to net income (ytd only)* | 41.9580% | 2,334 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0016% | 6,231 |
| Loan loss allowance to noncurrent loans | 72.2222% | 3,831 |
| Noncurrent assets plus other real estate owned to assets | 1.0925% | 4,770 |
| Noncurrent loans to loans | 1.3869% | 4,440 |
| Net loans and leases to total assets | 71.2449% | 3,412 |
| Net loans and leases to deposits | 78.8025% | 4,732 |
| Net loans and leases to core deposits | 111.2708% | 3,229 |
| Total domestic deposits to total assets | 90.4095% | 666 |
| Equity capital to assets | 9.0874% | 5,184 |
| Core capital (leverage) ratio | 8.9167% | 4,762 |
| Tier 1 risk-based capital ratio | 13.1052% | 4,068 |
| Total risk-based capital ratio | 14.1580% | 4,124 |
| Memoranda: | ||
| Average total assets | $48,344,670 | 6,891 |
| Average earning assets | $43,607,670 | 6,900 |
| Average equity | $4,342,330 | 7,297 |
| Average total loans | $33,747,330 | 6,518 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0144% | 323 |
| Cost of funding earning assets | 1.7397% | 5,421 |
| Net interest margin | 5.2747% | 242 |
| Noninterest income to average assets | 0.9466% | 1,661 |
| Noninterest expense to average assets | 3.7534% | 1,557 |
| Loan and lease loss provision to assets | 0.2076% | 4,363 |
| Net operating income to assets | 1.7189% | 623 |
| Return on assets (ROA) | 1.7189% | 687 |
| Pretax return on assets | 1.7189% | 1,144 |
| Return on Equity (ROE) | 19.2513% | 482 |
| Retained earnings to average equity (ytd only) | 19.2513% | 189 |
| Net charge-offs to loans | 0.1088% | 4,105 |
| Credit loss provision to net charge-offs | 277.7778% | 1,723 |
| Earnings coverage of net charge-offs (x) | 25.7778% | 1,195 |
| Efficiency ratio | 66.0819% | 5,312 |
| Assets per employee ($millions) | 2.7229% | 6,835 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0026% | 6,152 |
| Loan loss allowance to noncurrent loans | 66.0606% | 4,262 |
| Noncurrent assets plus other real estate owned to assets | 2.1015% | 2,748 |
| Noncurrent loans to loans | 1.5178% | 4,008 |
| Net loans and leases to total assets | 65.8744% | 4,610 |
| Net loans and leases to deposits | 72.7086% | 5,652 |
| Net loans and leases to core deposits | 102.2161% | 4,318 |
| Total domestic deposits to total assets | 90.6005% | 552 |
| Equity capital to assets | 8.9997% | 5,347 |
| Core capital (leverage) ratio | 8.9190% | 4,839 |
| Tier 1 risk-based capital ratio | 13.5498% | 3,835 |
| Total risk-based capital ratio | 14.5719% | 3,897 |
| Memoranda: | ||
| Average total assets | $48,170,000 | 6,943 |
| Average earning assets | $43,225,500 | 6,967 |
| Average equity | $4,301,000 | 7,351 |
| Average total loans | $33,099,500 | 6,584 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5016% | 406 |
| Cost of funding earning assets | 2.2446% | 5,393 |
| Net interest margin | 5.2570% | 306 |
| Noninterest income to average assets | 1.0573% | 1,404 |
| Noninterest expense to average assets | 3.6675% | 2,013 |
| Loan and lease loss provision to assets | 0.1438% | 5,517 |
| Net operating income to assets | 1.9709% | 380 |
| Return on assets (ROA) | 1.9709% | 363 |
| Pretax return on assets | 1.9709% | 661 |
| Return on Equity (ROE) | 22.3006% | 241 |
| Retained earnings to average equity (ytd only) | 10.0866% | 438 |
| Net charge-offs to loans | 0.1637% | 4,561 |
| Credit loss provision to net charge-offs | 120.3704% | 4,461 |
| Earnings coverage of net charge-offs (x) | 17.7037% | 1,753 |
| Efficiency ratio | 63.4277% | 5,686 |
| Assets per employee ($millions) | 2.7839% | 6,598 |
| Cash dividends to net income (ytd only)* | 54.7699% | 2,898 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9260% | 6,525 |
| Loan loss allowance to noncurrent loans | 60.1547% | 4,997 |
| Noncurrent assets plus other real estate owned to assets | 2.1785% | 2,247 |
| Noncurrent loans to loans | 1.5394% | 3,484 |
| Net loans and leases to total assets | 70.3066% | 3,951 |
| Net loans and leases to deposits | 77.4228% | 5,419 |
| Net loans and leases to core deposits | 106.0661% | 4,193 |
| Total domestic deposits to total assets | 90.8086% | 382 |
| Equity capital to assets | 8.8554% | 5,555 |
| Core capital (leverage) ratio | 8.7910% | 5,052 |
| Tier 1 risk-based capital ratio | 12.5873% | 4,385 |
| Total risk-based capital ratio | 13.5356% | 4,481 |
| Memoranda: | ||
| Average total assets | $45,207,800 | 6,980 |
| Average earning assets | $40,631,400 | 7,015 |
| Average equity | $3,995,400 | 7,512 |
| Average total loans | $32,990,600 | 6,548 |