Home > Beauregard Federal Savings Bank > Performance and Condition Ratios
Beauregard Federal Savings Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4993% | 624 |
| Cost of funding earning assets | 1.8315% | 2,369 |
| Net interest margin | 4.6678% | 487 |
| Noninterest income to average assets | 0.2300% | 3,365 |
| Noninterest expense to average assets | 3.9913% | 382 |
| Loan and lease loss provision to assets | 0.0300% | 2,300 |
| Net operating income to assets | 0.4742% | 3,617 |
| Return on assets (ROA) | 0.4742% | 3,630 |
| Pretax return on assets | 0.4742% | 3,751 |
| Return on Equity (ROE) | 3.4700% | 3,789 |
| Retained earnings to average equity (ytd only) | 3.4726% | 2,975 |
| Net charge-offs to loans | 0.0000% | 2,326 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 80.0220% | 948 |
| Assets per employee ($millions) | 4.7586% | 3,806 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3523% | 1,477 |
| Loan loss allowance to noncurrent loans | 34.7589% | 3,640 |
| Noncurrent assets plus other real estate owned to assets | 2.9359% | 99 |
| Noncurrent loans to loans | 3.8905% | 124 |
| Net loans and leases to total assets | 68.8900% | 1,967 |
| Net loans and leases to deposits | 82.9160% | 1,800 |
| Net loans and leases to core deposits | 101.0626% | 1,301 |
| Total domestic deposits to total assets | 83.0900% | 3,099 |
| Equity capital to assets | 13.7287% | 747 |
| Core capital (leverage) ratio | 11.1487% | 1,934 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $80,976,500 | 3,936 |
| Average earning assets | $74,039,000 | 3,929 |
| Average equity | $11,058,000 | 3,695 |
| Average total loans | $55,616,500 | 3,750 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8287% | 487 |
| Cost of funding earning assets | 1.8839% | 2,504 |
| Net interest margin | 4.9448% | 363 |
| Noninterest income to average assets | 0.1700% | 3,879 |
| Noninterest expense to average assets | 3.7392% | 461 |
| Loan and lease loss provision to assets | 0.0200% | 2,766 |
| Net operating income to assets | 0.9084% | 2,358 |
| Return on assets (ROA) | 0.9084% | 2,360 |
| Pretax return on assets | 0.9084% | 2,778 |
| Return on Equity (ROE) | 6.6200% | 3,119 |
| Retained earnings to average equity (ytd only) | 6.6231% | 1,574 |
| Net charge-offs to loans | 0.3122% | 477 |
| Credit loss provision to net charge-offs | 9.3750% | 2,511 |
| Earnings coverage of net charge-offs (x) | 4.4938% | 2,652 |
| Efficiency ratio | 71.4404% | 1,832 |
| Assets per employee ($millions) | 5.4038% | 3,359 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3811% | 1,358 |
| Loan loss allowance to noncurrent loans | 33.7199% | 3,649 |
| Noncurrent assets plus other real estate owned to assets | 2.9165% | 88 |
| Noncurrent loans to loans | 4.0959% | 93 |
| Net loans and leases to total assets | 66.6000% | 2,304 |
| Net loans and leases to deposits | 79.5992% | 2,167 |
| Net loans and leases to core deposits | 95.9645% | 1,710 |
| Total domestic deposits to total assets | 83.6600% | 2,872 |
| Equity capital to assets | 13.5830% | 750 |
| Core capital (leverage) ratio | 11.1337% | 1,898 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $77,502,400 | 3,979 |
| Average earning assets | $70,438,200 | 3,968 |
| Average equity | $10,629,400 | 3,709 |
| Average total loans | $51,250,400 | 3,794 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7437% | 517 |
| Cost of funding earning assets | 1.8651% | 2,561 |
| Net interest margin | 4.8785% | 391 |
| Noninterest income to average assets | 0.3600% | 2,665 |
| Noninterest expense to average assets | 3.8617% | 403 |
| Loan and lease loss provision to assets | 0.0300% | 2,381 |
| Net operating income to assets | 0.8980% | 2,388 |
| Return on assets (ROA) | 0.8980% | 2,391 |
| Pretax return on assets | 0.8980% | 2,804 |
| Return on Equity (ROE) | 6.5300% | 3,177 |
| Retained earnings to average equity (ytd only) | 6.5309% | 1,897 |
| Net charge-offs to loans | 0.1297% | 838 |
| Credit loss provision to net charge-offs | 30.6122% | 2,138 |
| Earnings coverage of net charge-offs (x) | 10.8367% | 2,098 |
| Efficiency ratio | 72.1091% | 1,780 |
| Assets per employee ($millions) | 5.0519% | 3,615 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6318% | 788 |
| Loan loss allowance to noncurrent loans | 31.0000% | 3,713 |
| Noncurrent assets plus other real estate owned to assets | 3.9734% | 45 |
| Noncurrent loans to loans | 5.2638% | 67 |
| Net loans and leases to total assets | 69.0500% | 1,957 |
| Net loans and leases to deposits | 81.2970% | 2,054 |
| Net loans and leases to core deposits | 97.9741% | 1,624 |
| Total domestic deposits to total assets | 84.9400% | 2,318 |
| Equity capital to assets | 14.2812% | 681 |
| Core capital (leverage) ratio | 10.9080% | 2,106 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $76,613,750 | 4,002 |
| Average earning assets | $69,555,000 | 4,000 |
| Average equity | $10,534,250 | 3,726 |
| Average total loans | $50,378,750 | 3,817 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4967% | 636 |
| Cost of funding earning assets | 1.7346% | 2,793 |
| Net interest margin | 4.7622% | 440 |
| Noninterest income to average assets | 0.3900% | 2,441 |
| Noninterest expense to average assets | 3.9016% | 395 |
| Loan and lease loss provision to assets | 0.0400% | 2,101 |
| Net operating income to assets | 0.7699% | 2,724 |
| Return on assets (ROA) | 0.7699% | 2,743 |
| Pretax return on assets | 0.7699% | 3,067 |
| Return on Equity (ROE) | 5.6700% | 3,366 |
| Retained earnings to average equity (ytd only) | 5.6714% | 2,135 |
| Net charge-offs to loans | 0.2306% | 482 |
| Credit loss provision to net charge-offs | 26.3158% | 1,924 |
| Earnings coverage of net charge-offs (x) | 5.4561% | 2,210 |
| Efficiency ratio | 74.1579% | 1,624 |
| Assets per employee ($millions) | 5.2614% | 3,400 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6952% | 680 |
| Loan loss allowance to noncurrent loans | 35.1329% | 3,681 |
| Noncurrent assets plus other real estate owned to assets | 3.2298% | 59 |
| Noncurrent loans to loans | 4.8251% | 62 |
| Net loans and leases to total assets | 63.1200% | 2,637 |
| Net loans and leases to deposits | 74.5139% | 2,668 |
| Net loans and leases to core deposits | 83.7337% | 2,548 |
| Total domestic deposits to total assets | 84.7100% | 2,401 |
| Equity capital to assets | 13.4337% | 782 |
| Core capital (leverage) ratio | 11.0890% | 1,968 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $76,892,333 | 4,018 |
| Average earning assets | $69,758,333 | 4,012 |
| Average equity | $10,438,333 | 3,731 |
| Average total loans | $49,440,333 | 3,838 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5344% | 549 |
| Cost of funding earning assets | 1.7499% | 2,639 |
| Net interest margin | 4.7845% | 418 |
| Noninterest income to average assets | 0.1300% | 4,079 |
| Noninterest expense to average assets | 3.8641% | 396 |
| Loan and lease loss provision to assets | 0.0800% | 1,272 |
| Net operating income to assets | 0.5272% | 3,325 |
| Return on assets (ROA) | 0.5272% | 3,348 |
| Pretax return on assets | 0.5272% | 3,521 |
| Return on Equity (ROE) | 3.8600% | 3,700 |
| Retained earnings to average equity (ytd only) | 3.8623% | 2,746 |
| Net charge-offs to loans | 0.1311% | 617 |
| Credit loss provision to net charge-offs | 93.7500% | 1,205 |
| Earnings coverage of net charge-offs (x) | 7.1875% | 1,783 |
| Efficiency ratio | 77.1226% | 1,438 |
| Assets per employee ($millions) | 4.8760% | 3,726 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8480% | 511 |
| Loan loss allowance to noncurrent loans | 41.8875% | 3,675 |
| Noncurrent assets plus other real estate owned to assets | 2.9614% | 80 |
| Noncurrent loans to loans | 4.4118% | 79 |
| Net loans and leases to total assets | 65.4300% | 2,312 |
| Net loans and leases to deposits | 76.6710% | 2,370 |
| Net loans and leases to core deposits | 85.9974% | 2,310 |
| Total domestic deposits to total assets | 85.3400% | 2,309 |
| Equity capital to assets | 14.2275% | 644 |
| Core capital (leverage) ratio | 10.6988% | 2,171 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $75,878,000 | 4,051 |
| Average earning assets | $68,805,000 | 4,048 |
| Average equity | $10,356,500 | 3,749 |
| Average total loans | $48,824,000 | 3,869 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2018% | 488 |
| Cost of funding earning assets | 1.1395% | 2,959 |
| Net interest margin | 5.0623% | 289 |
| Noninterest income to average assets | 0.1500% | 4,057 |
| Noninterest expense to average assets | 5.1604% | 218 |
| Loan and lease loss provision to assets | 0.9100% | 79 |
| Net operating income to assets | -1.3282% | 4,548 |
| Return on assets (ROA) | -1.3282% | 4,543 |
| Pretax return on assets | -1.3282% | 4,538 |
| Return on Equity (ROE) | -10.8100% | 4,509 |
| Retained earnings to average equity (ytd only) | -15.3075% | 4,499 |
| Net charge-offs to loans | 0.0268% | 1,785 |
| Credit loss provision to net charge-offs | 5,530.7692% | 99 |
| Earnings coverage of net charge-offs (x) | -25.7692% | 4,567 |
| Efficiency ratio | 97.2340% | 230 |
| Assets per employee ($millions) | 5.6252% | 3,138 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4399% | 1,234 |
| Loan loss allowance to noncurrent loans | 29.2359% | 3,735 |
| Noncurrent assets plus other real estate owned to assets | 3.0767% | 69 |
| Noncurrent loans to loans | 4.9251% | 51 |
| Net loans and leases to total assets | 61.1900% | 2,742 |
| Net loans and leases to deposits | 70.7212% | 2,836 |
| Net loans and leases to core deposits | 76.4307% | 2,945 |
| Total domestic deposits to total assets | 86.5200% | 1,850 |
| Equity capital to assets | 13.2617% | 811 |
| Core capital (leverage) ratio | 10.2691% | 2,540 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $79,355,000 | 4,019 |
| Average earning assets | $71,963,000 | 4,018 |
| Average equity | $9,753,400 | 3,747 |
| Average total loans | $48,502,600 | 3,862 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2568% | 385 |
| Cost of funding earning assets | 1.0228% | 2,971 |
| Net interest margin | 5.2340% | 246 |
| Noninterest income to average assets | 0.1500% | 4,067 |
| Noninterest expense to average assets | 3.7565% | 433 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.1404% | 1,938 |
| Return on assets (ROA) | 1.1404% | 1,921 |
| Pretax return on assets | 1.1404% | 2,457 |
| Return on Equity (ROE) | 9.4600% | 2,811 |
| Retained earnings to average equity (ytd only) | 3.3539% | 3,431 |
| Net charge-offs to loans | 0.0275% | 1,523 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 68.0000% | 1,130 |
| Efficiency ratio | 64.2123% | 2,473 |
| Assets per employee ($millions) | 5.5246% | 3,163 |
| Cash dividends to net income (ytd only)* | 64.5588% | 805 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0232% | 376 |
| Loan loss allowance to noncurrent loans | 39.1411% | 3,710 |
| Noncurrent assets plus other real estate owned to assets | 3.1806% | 62 |
| Noncurrent loans to loans | 5.1690% | 51 |
| Net loans and leases to total assets | 59.9200% | 2,856 |
| Net loans and leases to deposits | 71.1157% | 2,767 |
| Net loans and leases to core deposits | 77.5580% | 2,766 |
| Total domestic deposits to total assets | 84.2500% | 2,701 |
| Equity capital to assets | 15.1012% | 528 |
| Core capital (leverage) ratio | 10.5961% | 2,318 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $79,505,500 | 4,034 |
| Average earning assets | $72,091,000 | 4,030 |
| Average equity | $9,580,750 | 3,761 |
| Average total loans | $48,405,250 | 3,873 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9931% | 1,236 |
| Cost of funding earning assets | 0.7660% | 2,854 |
| Net interest margin | 4.2270% | 905 |
| Noninterest income to average assets | 0.1700% | 3,961 |
| Noninterest expense to average assets | 2.6889% | 1,708 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.2271% | 1,863 |
| Return on assets (ROA) | 1.2271% | 1,833 |
| Pretax return on assets | 1.2271% | 2,359 |
| Return on Equity (ROE) | 10.9400% | 2,510 |
| Retained earnings to average equity (ytd only) | -8.1953% | 4,439 |
| Net charge-offs to loans | -0.0163% | 4,041 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 68.6642% | 1,899 |
| Assets per employee ($millions) | 6.5614% | 2,298 |
| Cash dividends to net income (ytd only)* | 174.9004% | 187 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9651% | 471 |
| Loan loss allowance to noncurrent loans | 40.7065% | 3,759 |
| Noncurrent assets plus other real estate owned to assets | 2.8055% | 64 |
| Noncurrent loans to loans | 4.8275% | 61 |
| Net loans and leases to total assets | 56.6100% | 2,994 |
| Net loans and leases to deposits | 61.8917% | 3,231 |
| Net loans and leases to core deposits | 66.5275% | 3,187 |
| Total domestic deposits to total assets | 91.4700% | 652 |
| Equity capital to assets | 8.4492% | 2,932 |
| Core capital (leverage) ratio | 9.6127% | 3,090 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $81,816,500 | 4,079 |
| Average earning assets | $72,580,500 | 4,103 |
| Average equity | $9,176,000 | 3,874 |
| Average total loans | $49,071,000 | 3,921 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3915% | 895 |
| Cost of funding earning assets | 0.3273% | 2,660 |
| Net interest margin | 4.0642% | 713 |
| Noninterest income to average assets | 0.1700% | 4,121 |
| Noninterest expense to average assets | 2.9728% | 1,006 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.0996% | 2,173 |
| Return on assets (ROA) | 1.0996% | 2,108 |
| Pretax return on assets | 1.0996% | 2,769 |
| Return on Equity (ROE) | 7.1400% | 3,609 |
| Retained earnings to average equity (ytd only) | 5.3071% | 2,922 |
| Net charge-offs to loans | 0.0251% | 1,557 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 76.3636% | 1,111 |
| Efficiency ratio | 72.9990% | 1,326 |
| Assets per employee ($millions) | 6.0258% | 2,741 |
| Cash dividends to net income (ytd only)* | 25.7143% | 2,627 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9782% | 446 |
| Loan loss allowance to noncurrent loans | 52.5258% | 3,674 |
| Noncurrent assets plus other real estate owned to assets | 2.3808% | 84 |
| Noncurrent loans to loans | 3.7661% | 98 |
| Net loans and leases to total assets | 61.1700% | 2,529 |
| Net loans and leases to deposits | 72.7886% | 2,346 |
| Net loans and leases to core deposits | 75.5737% | 2,457 |
| Total domestic deposits to total assets | 84.0400% | 3,199 |
| Equity capital to assets | 14.2274% | 552 |
| Core capital (leverage) ratio | 14.7006% | 606 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $76,392,000 | 4,164 |
| Average earning assets | $73,323,200 | 4,119 |
| Average equity | $11,757,800 | 3,687 |
| Average total loans | $43,794,600 | 3,996 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2487% | 805 |
| Cost of funding earning assets | 0.2692% | 2,498 |
| Net interest margin | 3.9795% | 665 |
| Noninterest income to average assets | -0.0400% | 4,728 |
| Noninterest expense to average assets | 2.8491% | 1,145 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.9520% | 2,659 |
| Return on assets (ROA) | 0.9520% | 2,628 |
| Pretax return on assets | 0.9520% | 3,174 |
| Return on Equity (ROE) | 6.0700% | 3,786 |
| Retained earnings to average equity (ytd only) | 4.7126% | 3,193 |
| Net charge-offs to loans | -0.0063% | 3,547 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 74.9538% | 1,177 |
| Assets per employee ($millions) | 5.8812% | 2,867 |
| Cash dividends to net income (ytd only)* | 22.3247% | 2,376 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1213% | 394 |
| Loan loss allowance to noncurrent loans | 54.6875% | 3,737 |
| Noncurrent assets plus other real estate owned to assets | 2.3752% | 98 |
| Noncurrent loans to loans | 3.8790% | 102 |
| Net loans and leases to total assets | 59.1400% | 2,593 |
| Net loans and leases to deposits | 70.6134% | 2,313 |
| Net loans and leases to core deposits | 73.3404% | 2,398 |
| Total domestic deposits to total assets | 83.7600% | 3,548 |
| Equity capital to assets | 15.8588% | 380 |
| Core capital (leverage) ratio | 16.0263% | 448 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $75,906,250 | 4,200 |
| Average earning assets | $73,307,250 | 4,147 |
| Average equity | $11,911,000 | 3,720 |
| Average total loans | $42,522,500 | 4,042 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0865% | 787 |
| Cost of funding earning assets | 0.2513% | 2,247 |
| Net interest margin | 3.8352% | 698 |
| Noninterest income to average assets | -0.0924% | 4,756 |
| Noninterest expense to average assets | 2.8155% | 1,147 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.8003% | 2,955 |
| Return on assets (ROA) | 0.8003% | 2,922 |
| Pretax return on assets | 0.8003% | 3,326 |
| Return on Equity (ROE) | 5.1184% | 3,787 |
| Retained earnings to average equity (ytd only) | 3.9528% | 3,097 |
| Net charge-offs to loans | 0.0097% | 1,623 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 151.5000% | 638 |
| Efficiency ratio | 77.8671% | 1,090 |
| Assets per employee ($millions) | 5.7438% | 2,983 |
| Cash dividends to net income (ytd only)* | 22.7723% | 2,363 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2350% | 360 |
| Loan loss allowance to noncurrent loans | 60.8344% | 3,714 |
| Noncurrent assets plus other real estate owned to assets | 2.2339% | 106 |
| Noncurrent loans to loans | 3.6740% | 104 |
| Net loans and leases to total assets | 57.2339% | 2,611 |
| Net loans and leases to deposits | 68.2815% | 2,365 |
| Net loans and leases to core deposits | 70.9759% | 2,418 |
| Total domestic deposits to total assets | 83.8206% | 3,718 |
| Equity capital to assets | 15.9892% | 339 |
| Core capital (leverage) ratio | 15.6419% | 411 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $75,723,000 | 4,251 |
| Average earning assets | $73,216,333 | 4,208 |
| Average equity | $11,839,667 | 3,796 |
| Average total loans | $41,297,333 | 4,115 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9580% | 839 |
| Cost of funding earning assets | 0.2606% | 2,038 |
| Net interest margin | 3.6974% | 754 |
| Noninterest income to average assets | 0.1469% | 4,277 |
| Noninterest expense to average assets | 2.8170% | 1,131 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.9023% | 2,261 |
| Return on assets (ROA) | 0.9023% | 2,261 |
| Pretax return on assets | 0.9023% | 2,765 |
| Return on Equity (ROE) | 5.8355% | 3,389 |
| Retained earnings to average equity (ytd only) | 5.8355% | 2,300 |
| Net charge-offs to loans | 0.0200% | 1,135 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 86.0000% | 719 |
| Efficiency ratio | 75.7405% | 1,558 |
| Assets per employee ($millions) | 6.4887% | 2,385 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4184% | 310 |
| Loan loss allowance to noncurrent loans | 90.1200% | 3,473 |
| Noncurrent assets plus other real estate owned to assets | 1.6940% | 197 |
| Noncurrent loans to loans | 2.6835% | 218 |
| Net loans and leases to total assets | 50.5766% | 3,119 |
| Net loans and leases to deposits | 60.6356% | 2,838 |
| Net loans and leases to core deposits | 63.4451% | 2,841 |
| Total domestic deposits to total assets | 83.4108% | 3,879 |
| Equity capital to assets | 15.2522% | 373 |
| Core capital (leverage) ratio | 15.5741% | 379 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $76,250,000 | 4,269 |
| Average earning assets | $73,673,000 | 4,217 |
| Average equity | $11,790,000 | 3,881 |
| Average total loans | $40,089,500 | 4,156 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1530% | 1,076 |
| Cost of funding earning assets | 0.2961% | 2,440 |
| Net interest margin | 3.8569% | 908 |
| Noninterest income to average assets | 0.2027% | 4,151 |
| Noninterest expense to average assets | 3.0765% | 877 |
| Loan and lease loss provision to assets | 0.0467% | 2,125 |
| Net operating income to assets | 0.7788% | 3,394 |
| Return on assets (ROA) | 0.7788% | 3,465 |
| Pretax return on assets | 0.7788% | 3,767 |
| Return on Equity (ROE) | 4.9752% | 4,004 |
| Retained earnings to average equity (ytd only) | 1.0393% | 4,250 |
| Net charge-offs to loans | 0.1687% | 567 |
| Credit loss provision to net charge-offs | 52.2388% | 2,124 |
| Earnings coverage of net charge-offs (x) | 9.2388% | 2,268 |
| Efficiency ratio | 78.8448% | 882 |
| Assets per employee ($millions) | 6.2197% | 2,555 |
| Cash dividends to net income (ytd only)* | 79.1096% | 517 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4559% | 301 |
| Loan loss allowance to noncurrent loans | 114.6542% | 3,256 |
| Noncurrent assets plus other real estate owned to assets | 1.4591% | 292 |
| Noncurrent loans to loans | 2.1420% | 347 |
| Net loans and leases to total assets | 52.0446% | 3,062 |
| Net loans and leases to deposits | 62.8645% | 2,791 |
| Net loans and leases to core deposits | 65.9334% | 2,828 |
| Total domestic deposits to total assets | 82.7885% | 3,848 |
| Equity capital to assets | 15.6814% | 409 |
| Core capital (leverage) ratio | 15.3628% | 419 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $74,986,600 | 4,278 |
| Average earning assets | $71,923,400 | 4,236 |
| Average equity | $11,738,200 | 3,963 |
| Average total loans | $39,725,400 | 4,195 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2343% | 1,057 |
| Cost of funding earning assets | 0.3007% | 2,586 |
| Net interest margin | 3.9336% | 882 |
| Noninterest income to average assets | 0.1740% | 4,339 |
| Noninterest expense to average assets | 3.1080% | 809 |
| Loan and lease loss provision to assets | 0.0626% | 1,747 |
| Net operating income to assets | 0.7672% | 3,606 |
| Return on assets (ROA) | 0.7672% | 3,666 |
| Pretax return on assets | 0.7672% | 3,947 |
| Return on Equity (ROE) | 4.9034% | 4,137 |
| Retained earnings to average equity (ytd only) | 3.6775% | 3,686 |
| Net charge-offs to loans | 0.1713% | 501 |
| Credit loss provision to net charge-offs | 68.6275% | 1,766 |
| Earnings coverage of net charge-offs (x) | 9.1569% | 2,085 |
| Efficiency ratio | 78.9355% | 815 |
| Assets per employee ($millions) | 6.2744% | 2,444 |
| Cash dividends to net income (ytd only)* | 25.0000% | 2,330 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5129% | 284 |
| Loan loss allowance to noncurrent loans | 79.5837% | 3,635 |
| Noncurrent assets plus other real estate owned to assets | 1.9723% | 191 |
| Noncurrent loans to loans | 3.1575% | 195 |
| Net loans and leases to total assets | 51.2159% | 3,283 |
| Net loans and leases to deposits | 62.0387% | 3,035 |
| Net loans and leases to core deposits | 65.3726% | 3,008 |
| Total domestic deposits to total assets | 82.5548% | 3,811 |
| Equity capital to assets | 15.8142% | 435 |
| Core capital (leverage) ratio | 15.7928% | 405 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $75,074,250 | 4,332 |
| Average earning assets | $71,824,000 | 4,288 |
| Average equity | $11,746,750 | 4,015 |
| Average total loans | $39,701,250 | 4,248 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2359% | 1,115 |
| Cost of funding earning assets | 0.3115% | 2,666 |
| Net interest margin | 3.9244% | 927 |
| Noninterest income to average assets | 0.1387% | 4,508 |
| Noninterest expense to average assets | 3.0959% | 849 |
| Loan and lease loss provision to assets | 0.0800% | 1,517 |
| Net operating income to assets | 0.7253% | 3,698 |
| Return on assets (ROA) | 0.7253% | 3,764 |
| Pretax return on assets | 0.7253% | 4,019 |
| Return on Equity (ROE) | 4.6522% | 4,198 |
| Retained earnings to average equity (ytd only) | 3.9852% | 3,522 |
| Net charge-offs to loans | -0.0101% | 3,670 |
| Credit loss provision to net charge-offs | -1,500.0000% | 3,754 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.3575% | 826 |
| Assets per employee ($millions) | 6.2905% | 2,342 |
| Cash dividends to net income (ytd only)* | 14.3382% | 2,723 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6841% | 218 |
| Loan loss allowance to noncurrent loans | 120.4388% | 3,142 |
| Noncurrent assets plus other real estate owned to assets | 1.6997% | 294 |
| Noncurrent loans to loans | 2.2286% | 400 |
| Net loans and leases to total assets | 50.0967% | 3,547 |
| Net loans and leases to deposits | 60.4283% | 3,354 |
| Net loans and leases to core deposits | 63.6451% | 3,319 |
| Total domestic deposits to total assets | 82.9028% | 3,727 |
| Equity capital to assets | 15.6519% | 454 |
| Core capital (leverage) ratio | 15.5044% | 419 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $75,001,333 | 4,358 |
| Average earning assets | $71,908,333 | 4,317 |
| Average equity | $11,693,333 | 4,023 |
| Average total loans | $39,749,667 | 4,285 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2047% | 1,194 |
| Cost of funding earning assets | 0.3230% | 2,772 |
| Net interest margin | 3.8817% | 1,015 |
| Noninterest income to average assets | 0.1284% | 4,557 |
| Noninterest expense to average assets | 3.2424% | 664 |
| Loan and lease loss provision to assets | 0.0803% | 1,612 |
| Net operating income to assets | 0.5351% | 4,105 |
| Return on assets (ROA) | 0.5351% | 4,145 |
| Pretax return on assets | 0.5351% | 4,296 |
| Return on Equity (ROE) | 3.4386% | 4,392 |
| Retained earnings to average equity (ytd only) | 3.4386% | 3,653 |
| Net charge-offs to loans | -0.0100% | 3,664 |
| Credit loss provision to net charge-offs | -1,500.0000% | 3,465 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.0499% | 593 |
| Assets per employee ($millions) | 6.3275% | 2,311 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5499% | 238 |
| Loan loss allowance to noncurrent loans | 193.2203% | 2,429 |
| Noncurrent assets plus other real estate owned to assets | 1.2485% | 580 |
| Noncurrent loans to loans | 1.3197% | 986 |
| Net loans and leases to total assets | 51.6410% | 3,480 |
| Net loans and leases to deposits | 62.0368% | 3,314 |
| Net loans and leases to core deposits | 66.0140% | 3,238 |
| Total domestic deposits to total assets | 83.2425% | 3,631 |
| Equity capital to assets | 15.3852% | 452 |
| Core capital (leverage) ratio | 15.7648% | 397 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $74,759,000 | 4,379 |
| Average earning assets | $71,824,500 | 4,332 |
| Average equity | $11,632,500 | 4,044 |
| Average total loans | $40,195,000 | 4,299 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0626% | 436 |
| Cost of funding earning assets | 0.4448% | 3,312 |
| Net interest margin | 4.6178% | 257 |
| Noninterest income to average assets | 0.1731% | 4,419 |
| Noninterest expense to average assets | 3.2302% | 1,005 |
| Loan and lease loss provision to assets | 0.0873% | 3,273 |
| Net operating income to assets | 1.2493% | 1,382 |
| Return on assets (ROA) | 1.2493% | 1,494 |
| Pretax return on assets | 1.2493% | 2,160 |
| Return on Equity (ROE) | 7.4182% | 3,030 |
| Retained earnings to average equity (ytd only) | 1.8653% | 3,885 |
| Net charge-offs to loans | 0.0093% | 2,987 |
| Credit loss provision to net charge-offs | 1,500.0000% | 551 |
| Earnings coverage of net charge-offs (x) | 229.7500% | 428 |
| Efficiency ratio | 70.7325% | 1,850 |
| Assets per employee ($millions) | 6.1323% | 2,227 |
| Cash dividends to net income (ytd only)* | 74.8545% | 803 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5154% | 260 |
| Loan loss allowance to noncurrent loans | 187.3840% | 2,445 |
| Noncurrent assets plus other real estate owned to assets | 1.3684% | 574 |
| Noncurrent loans to loans | 1.3424% | 1,011 |
| Net loans and leases to total assets | 53.1921% | 3,564 |
| Net loans and leases to deposits | 64.3577% | 3,409 |
| Net loans and leases to core deposits | 68.6563% | 3,361 |
| Total domestic deposits to total assets | 82.6507% | 3,506 |
| Equity capital to assets | 15.7403% | 458 |
| Core capital (leverage) ratio | 15.6790% | 424 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $68,757,200 | 4,405 |
| Average earning assets | $65,420,600 | 4,366 |
| Average equity | $11,579,600 | 4,021 |
| Average total loans | $42,996,200 | 4,254 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1778% | 433 |
| Cost of funding earning assets | 0.4800% | 3,360 |
| Net interest margin | 4.6978% | 256 |
| Noninterest income to average assets | 0.2013% | 4,265 |
| Noninterest expense to average assets | 3.4463% | 759 |
| Loan and lease loss provision to assets | 0.0888% | 3,205 |
| Net operating income to assets | 1.1290% | 1,883 |
| Return on assets (ROA) | 1.1290% | 2,006 |
| Pretax return on assets | 1.1290% | 2,650 |
| Return on Equity (ROE) | 6.5866% | 3,348 |
| Retained earnings to average equity (ytd only) | 4.9169% | 2,593 |
| Net charge-offs to loans | 0.0275% | 2,283 |
| Credit loss provision to net charge-offs | 500.0000% | 1,276 |
| Earnings coverage of net charge-offs (x) | 68.5556% | 1,012 |
| Efficiency ratio | 73.8891% | 1,414 |
| Assets per employee ($millions) | 5.9238% | 2,332 |
| Cash dividends to net income (ytd only)* | 25.3497% | 2,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4088% | 260 |
| Loan loss allowance to noncurrent loans | 135.0614% | 2,869 |
| Noncurrent assets plus other real estate owned to assets | 1.6895% | 467 |
| Noncurrent loans to loans | 1.7835% | 748 |
| Net loans and leases to total assets | 56.4246% | 3,583 |
| Net loans and leases to deposits | 69.2041% | 3,380 |
| Net loans and leases to core deposits | 74.0460% | 3,321 |
| Total domestic deposits to total assets | 81.5336% | 3,534 |
| Equity capital to assets | 16.5898% | 407 |
| Core capital (leverage) ratio | 17.1084% | 331 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $67,549,500 | 4,426 |
| Average earning assets | $64,170,250 | 4,399 |
| Average equity | $11,578,750 | 4,024 |
| Average total loans | $43,707,000 | 4,261 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3097% | 473 |
| Cost of funding earning assets | 0.5351% | 3,318 |
| Net interest margin | 4.7746% | 297 |
| Noninterest income to average assets | 0.2170% | 4,186 |
| Noninterest expense to average assets | 3.5769% | 678 |
| Loan and lease loss provision to assets | 0.0904% | 3,136 |
| Net operating income to assets | 1.0939% | 1,988 |
| Return on assets (ROA) | 1.0939% | 2,109 |
| Pretax return on assets | 1.0939% | 2,725 |
| Return on Equity (ROE) | 6.3090% | 3,396 |
| Retained earnings to average equity (ytd only) | 3.4239% | 3,213 |
| Net charge-offs to loans | 0.4980% | 322 |
| Credit loss provision to net charge-offs | 27.0270% | 2,711 |
| Earnings coverage of net charge-offs (x) | 3.5405% | 2,671 |
| Efficiency ratio | 75.1266% | 1,356 |
| Assets per employee ($millions) | 5.2742% | 2,862 |
| Cash dividends to net income (ytd only)* | 45.7300% | 1,700 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0237% | 420 |
| Loan loss allowance to noncurrent loans | 97.6510% | 3,234 |
| Noncurrent assets plus other real estate owned to assets | 1.7852% | 454 |
| Noncurrent loans to loans | 2.0724% | 634 |
| Net loans and leases to total assets | 61.6446% | 3,160 |
| Net loans and leases to deposits | 75.7062% | 2,906 |
| Net loans and leases to core deposits | 81.2058% | 2,850 |
| Total domestic deposits to total assets | 81.4261% | 3,517 |
| Equity capital to assets | 16.8660% | 386 |
| Core capital (leverage) ratio | 17.2814% | 325 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $66,370,667 | 4,452 |
| Average earning assets | $63,167,667 | 4,418 |
| Average equity | $11,507,333 | 4,044 |
| Average total loans | $44,576,000 | 4,241 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5831% | 314 |
| Cost of funding earning assets | 0.5860% | 3,504 |
| Net interest margin | 4.9971% | 194 |
| Noninterest income to average assets | 0.3003% | 3,712 |
| Noninterest expense to average assets | 3.5910% | 816 |
| Loan and lease loss provision to assets | 0.0919% | 2,537 |
| Net operating income to assets | 1.3727% | 1,052 |
| Return on assets (ROA) | 1.3727% | 1,131 |
| Pretax return on assets | 1.3727% | 1,647 |
| Return on Equity (ROE) | 7.8056% | 2,597 |
| Retained earnings to average equity (ytd only) | 7.8056% | 1,291 |
| Net charge-offs to loans | -0.0088% | 4,033 |
| Credit loss provision to net charge-offs | -1,500.0000% | 3,634 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0303% | 2,215 |
| Assets per employee ($millions) | 4.9494% | 2,705 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1175% | 423 |
| Loan loss allowance to noncurrent loans | 95.6607% | 3,301 |
| Noncurrent assets plus other real estate owned to assets | 2.6950% | 247 |
| Noncurrent loans to loans | 2.2135% | 607 |
| Net loans and leases to total assets | 69.6885% | 2,295 |
| Net loans and leases to deposits | 86.8939% | 1,888 |
| Net loans and leases to core deposits | 94.2550% | 1,947 |
| Total domestic deposits to total assets | 80.1996% | 3,821 |
| Equity capital to assets | 18.0147% | 354 |
| Core capital (leverage) ratio | 17.8587% | 349 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $65,274,000 | 4,477 |
| Average earning assets | $62,116,000 | 4,452 |
| Average equity | $11,479,000 | 4,070 |
| Average total loans | $45,294,500 | 4,244 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7380% | 372 |
| Cost of funding earning assets | 0.6122% | 3,589 |
| Net interest margin | 5.1258% | 213 |
| Noninterest income to average assets | 0.3555% | 3,577 |
| Noninterest expense to average assets | 3.1026% | 1,751 |
| Loan and lease loss provision to assets | 0.0892% | 2,233 |
| Net operating income to assets | 2.0704% | 294 |
| Return on assets (ROA) | 2.0704% | 304 |
| Pretax return on assets | 2.0704% | 510 |
| Return on Equity (ROE) | 12.2260% | 1,427 |
| Retained earnings to average equity (ytd only) | 2.7930% | 3,641 |
| Net charge-offs to loans | 0.0387% | 2,608 |
| Credit loss provision to net charge-offs | 333.3333% | 831 |
| Earnings coverage of net charge-offs (x) | 80.6667% | 786 |
| Efficiency ratio | 58.9599% | 3,839 |
| Assets per employee ($millions) | 5.0928% | 2,464 |
| Cash dividends to net income (ytd only)* | 77.1552% | 882 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1304% | 379 |
| Loan loss allowance to noncurrent loans | 94.0828% | 3,376 |
| Noncurrent assets plus other real estate owned to assets | 2.4348% | 270 |
| Noncurrent loans to loans | 2.2644% | 531 |
| Net loans and leases to total assets | 66.1964% | 2,924 |
| Net loans and leases to deposits | 80.3012% | 2,741 |
| Net loans and leases to core deposits | 86.7035% | 2,734 |
| Total domestic deposits to total assets | 82.4351% | 3,388 |
| Equity capital to assets | 17.1691% | 449 |
| Core capital (leverage) ratio | 17.0165% | 412 |
| Tier 1 risk-based capital ratio | 32.1556% | 415 |
| Total risk-based capital ratio | 33.4229% | 400 |
| Memoranda: | ||
| Average total assets | $67,233,600 | 4,479 |
| Average earning assets | $64,360,800 | 4,432 |
| Average equity | $11,385,600 | 4,069 |
| Average total loans | $46,463,200 | 4,251 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6278% | 468 |
| Cost of funding earning assets | 0.6040% | 3,682 |
| Net interest margin | 5.0238% | 274 |
| Noninterest income to average assets | 0.1580% | 4,759 |
| Noninterest expense to average assets | 2.9317% | 2,156 |
| Loan and lease loss provision to assets | 0.0889% | 2,123 |
| Net operating income to assets | 1.9518% | 438 |
| Return on assets (ROA) | 1.9518% | 454 |
| Pretax return on assets | 1.9518% | 765 |
| Return on Equity (ROE) | 11.5652% | 1,777 |
| Retained earnings to average equity (ytd only) | 7.1755% | 1,773 |
| Net charge-offs to loans | 0.0228% | 2,647 |
| Credit loss provision to net charge-offs | 562.5000% | 573 |
| Earnings coverage of net charge-offs (x) | 129.0815% | 607 |
| Efficiency ratio | 58.9591% | 3,807 |
| Assets per employee ($millions) | 5.1040% | 2,442 |
| Cash dividends to net income (ytd only)* | 37.9557% | 2,243 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0464% | 423 |
| Loan loss allowance to noncurrent loans | 74.1986% | 3,749 |
| Noncurrent assets plus other real estate owned to assets | 2.3752% | 310 |
| Noncurrent loans to loans | 2.7581% | 387 |
| Net loans and leases to total assets | 68.4591% | 2,719 |
| Net loans and leases to deposits | 83.7108% | 2,490 |
| Net loans and leases to core deposits | 91.3523% | 2,427 |
| Total domestic deposits to total assets | 81.7805% | 3,536 |
| Equity capital to assets | 17.5760% | 426 |
| Core capital (leverage) ratio | 17.5889% | 381 |
| Tier 1 risk-based capital ratio | 31.9875% | 429 |
| Total risk-based capital ratio | 33.2520% | 419 |
| Memoranda: | ||
| Average total assets | $67,490,500 | 4,528 |
| Average earning assets | $64,677,250 | 4,479 |
| Average equity | $11,390,250 | 4,110 |
| Average total loans | $46,884,000 | 4,291 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6217% | 456 |
| Cost of funding earning assets | 0.5788% | 3,757 |
| Net interest margin | 5.0429% | 264 |
| Noninterest income to average assets | 0.1473% | 4,835 |
| Noninterest expense to average assets | 2.9173% | 2,237 |
| Loan and lease loss provision to assets | 0.0884% | 2,076 |
| Net operating income to assets | 1.9685% | 408 |
| Return on assets (ROA) | 1.9685% | 428 |
| Pretax return on assets | 1.9685% | 722 |
| Return on Equity (ROE) | 11.8234% | 1,652 |
| Retained earnings to average equity (ytd only) | 7.3984% | 1,651 |
| Net charge-offs to loans | 0.0595% | 1,796 |
| Credit loss provision to net charge-offs | 214.2857% | 1,145 |
| Earnings coverage of net charge-offs (x) | 49.8571% | 1,097 |
| Efficiency ratio | 58.6493% | 3,911 |
| Assets per employee ($millions) | 5.6300% | 1,841 |
| Cash dividends to net income (ytd only)* | 37.4251% | 2,309 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9684% | 501 |
| Loan loss allowance to noncurrent loans | 88.6342% | 3,508 |
| Noncurrent assets plus other real estate owned to assets | 1.9893% | 470 |
| Noncurrent loans to loans | 2.2208% | 603 |
| Net loans and leases to total assets | 68.4088% | 2,764 |
| Net loans and leases to deposits | 82.8306% | 2,642 |
| Net loans and leases to core deposits | 90.1531% | 2,586 |
| Total domestic deposits to total assets | 82.5888% | 3,342 |
| Equity capital to assets | 16.9731% | 472 |
| Core capital (leverage) ratio | 17.0904% | 417 |
| Tier 1 risk-based capital ratio | 31.2087% | 447 |
| Total risk-based capital ratio | 32.4742% | 441 |
| Memoranda: | ||
| Average total assets | $67,870,000 | 4,551 |
| Average earning assets | $64,962,670 | 4,511 |
| Average equity | $11,299,670 | 4,132 |
| Average total loans | $47,054,330 | 4,316 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6013% | 429 |
| Cost of funding earning assets | 0.5399% | 3,870 |
| Net interest margin | 5.0614% | 262 |
| Noninterest income to average assets | 0.1470% | 4,861 |
| Noninterest expense to average assets | 2.9460% | 2,144 |
| Loan and lease loss provision to assets | 0.0882% | 1,949 |
| Net operating income to assets | 1.9640% | 413 |
| Return on assets (ROA) | 1.9640% | 428 |
| Pretax return on assets | 1.9640% | 680 |
| Return on Equity (ROE) | 11.9116% | 1,567 |
| Retained earnings to average equity (ytd only) | 11.9116% | 623 |
| Net charge-offs to loans | 0.0766% | 1,306 |
| Credit loss provision to net charge-offs | 166.6667% | 1,164 |
| Earnings coverage of net charge-offs (x) | 38.7778% | 1,168 |
| Efficiency ratio | 58.9412% | 3,966 |
| Assets per employee ($millions) | 6.0802% | 1,484 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9483% | 554 |
| Loan loss allowance to noncurrent loans | 94.1598% | 3,467 |
| Noncurrent assets plus other real estate owned to assets | 1.9034% | 539 |
| Noncurrent loans to loans | 2.0691% | 710 |
| Net loans and leases to total assets | 69.1531% | 2,604 |
| Net loans and leases to deposits | 83.7152% | 2,417 |
| Net loans and leases to core deposits | 88.3918% | 2,647 |
| Total domestic deposits to total assets | 82.6052% | 3,534 |
| Equity capital to assets | 17.0195% | 444 |
| Core capital (leverage) ratio | 17.1550% | 410 |
| Tier 1 risk-based capital ratio | 30.3304% | 465 |
| Total risk-based capital ratio | 31.5934% | 453 |
| Memoranda: | ||
| Average total assets | $68,025,000 | 4,601 |
| Average earning assets | $65,199,500 | 4,557 |
| Average equity | $11,216,000 | 4,166 |
| Average total loans | $47,009,000 | 4,366 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6038% | 332 |
| Cost of funding earning assets | 0.4580% | 3,625 |
| Net interest margin | 5.1458% | 205 |
| Noninterest income to average assets | 0.1858% | 4,800 |
| Noninterest expense to average assets | 2.7966% | 2,705 |
| Loan and lease loss provision to assets | 0.0914% | 2,321 |
| Net operating income to assets | 2.1919% | 255 |
| Return on assets (ROA) | 2.1919% | 244 |
| Pretax return on assets | 2.1919% | 362 |
| Return on Equity (ROE) | 12.9628% | 1,366 |
| Retained earnings to average equity (ytd only) | 2.6124% | 4,095 |
| Net charge-offs to loans | -0.0375% | 4,881 |
| Credit loss provision to net charge-offs | -352.9412% | 4,572 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.0525% | 4,509 |
| Assets per employee ($millions) | 5.7640% | 1,704 |
| Cash dividends to net income (ytd only)* | 79.8471% | 715 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9467% | 527 |
| Loan loss allowance to noncurrent loans | 80.4943% | 3,739 |
| Noncurrent assets plus other real estate owned to assets | 2.1021% | 440 |
| Noncurrent loans to loans | 2.4185% | 516 |
| Net loans and leases to total assets | 66.4122% | 3,069 |
| Net loans and leases to deposits | 79.4163% | 3,015 |
| Net loans and leases to core deposits | 83.6432% | 3,124 |
| Total domestic deposits to total assets | 83.6254% | 3,114 |
| Equity capital to assets | 15.9741% | 535 |
| Core capital (leverage) ratio | 16.7959% | 429 |
| Tier 1 risk-based capital ratio | 29.3100% | 499 |
| Total risk-based capital ratio | 30.5727% | 487 |
| Memoranda: | ||
| Average total assets | $65,650,600 | 4,664 |
| Average earning assets | $62,439,400 | 4,622 |
| Average equity | $11,101,000 | 4,145 |
| Average total loans | $45,374,400 | 4,427 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6602% | 277 |
| Cost of funding earning assets | 0.4466% | 3,543 |
| Net interest margin | 5.2137% | 177 |
| Noninterest income to average assets | 0.1997% | 4,776 |
| Noninterest expense to average assets | 2.8242% | 2,556 |
| Loan and lease loss provision to assets | 0.0926% | 2,126 |
| Net operating income to assets | 2.2334% | 256 |
| Return on assets (ROA) | 2.2334% | 253 |
| Pretax return on assets | 2.2334% | 380 |
| Return on Equity (ROE) | 13.0163% | 1,426 |
| Retained earnings to average equity (ytd only) | 8.0977% | 1,602 |
| Net charge-offs to loans | 0.0296% | 2,501 |
| Credit loss provision to net charge-offs | 450.0000% | 756 |
| Earnings coverage of net charge-offs (x) | 113.0255% | 683 |
| Efficiency ratio | 54.8361% | 4,525 |
| Assets per employee ($millions) | 5.4713% | 1,938 |
| Cash dividends to net income (ytd only)* | 37.7878% | 2,171 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8832% | 617 |
| Loan loss allowance to noncurrent loans | 79.8898% | 3,823 |
| Noncurrent assets plus other real estate owned to assets | 2.3547% | 393 |
| Noncurrent loans to loans | 2.3572% | 572 |
| Net loans and leases to total assets | 69.0386% | 2,795 |
| Net loans and leases to deposits | 84.1902% | 2,581 |
| Net loans and leases to core deposits | 89.0093% | 2,744 |
| Total domestic deposits to total assets | 82.0032% | 3,607 |
| Equity capital to assets | 17.4150% | 387 |
| Core capital (leverage) ratio | 17.4031% | 381 |
| Tier 1 risk-based capital ratio | 31.4397% | 418 |
| Total risk-based capital ratio | 32.7018% | 414 |
| Memoranda: | ||
| Average total assets | $64,771,250 | 4,725 |
| Average earning assets | $61,503,500 | 4,685 |
| Average equity | $11,114,000 | 4,184 |
| Average total loans | $45,006,000 | 4,481 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5789% | 286 |
| Cost of funding earning assets | 0.4286% | 3,507 |
| Net interest margin | 5.1502% | 188 |
| Noninterest income to average assets | 0.2140% | 4,738 |
| Noninterest expense to average assets | 2.8569% | 2,478 |
| Loan and lease loss provision to assets | 0.0931% | 2,055 |
| Net operating income to assets | 2.1465% | 277 |
| Return on assets (ROA) | 2.1465% | 272 |
| Pretax return on assets | 2.1465% | 438 |
| Return on Equity (ROE) | 12.5734% | 1,514 |
| Retained earnings to average equity (ytd only) | 7.8493% | 1,688 |
| Net charge-offs to loans | 0.0179% | 2,543 |
| Credit loss provision to net charge-offs | 750.0000% | 521 |
| Earnings coverage of net charge-offs (x) | 180.5000% | 454 |
| Efficiency ratio | 56.0560% | 4,469 |
| Assets per employee ($millions) | 5.4228% | 1,972 |
| Cash dividends to net income (ytd only)* | 37.5723% | 2,251 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8875% | 649 |
| Loan loss allowance to noncurrent loans | 96.0938% | 3,537 |
| Noncurrent assets plus other real estate owned to assets | 2.0807% | 500 |
| Noncurrent loans to loans | 1.9642% | 771 |
| Net loans and leases to total assets | 68.7755% | 2,758 |
| Net loans and leases to deposits | 83.4872% | 2,591 |
| Net loans and leases to core deposits | 88.2811% | 2,696 |
| Total domestic deposits to total assets | 82.3785% | 3,602 |
| Equity capital to assets | 17.1958% | 385 |
| Core capital (leverage) ratio | 17.5123% | 348 |
| Tier 1 risk-based capital ratio | 30.8197% | 449 |
| Total risk-based capital ratio | 32.0811% | 444 |
| Memoranda: | ||
| Average total assets | $64,476,330 | 4,787 |
| Average earning assets | $61,123,330 | 4,746 |
| Average equity | $11,007,330 | 4,230 |
| Average total loans | $44,608,670 | 4,534 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5033% | 274 |
| Cost of funding earning assets | 0.4228% | 3,420 |
| Net interest margin | 5.0804% | 201 |
| Noninterest income to average assets | 0.1807% | 4,944 |
| Noninterest expense to average assets | 2.9231% | 2,275 |
| Loan and lease loss provision to assets | 0.0935% | 1,953 |
| Net operating income to assets | 1.9571% | 412 |
| Return on assets (ROA) | 1.9571% | 412 |
| Pretax return on assets | 1.9571% | 637 |
| Return on Equity (ROE) | 11.5060% | 1,764 |
| Retained earnings to average equity (ytd only) | 11.5060% | 787 |
| Net charge-offs to loans | -0.0181% | 4,505 |
| Credit loss provision to net charge-offs | -750.0000% | 4,094 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.7719% | 4,255 |
| Assets per employee ($millions) | 5.2348% | 2,211 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9387% | 616 |
| Loan loss allowance to noncurrent loans | 96.1625% | 3,521 |
| Noncurrent assets plus other real estate owned to assets | 2.7126% | 325 |
| Noncurrent loans to loans | 2.0160% | 785 |
| Net loans and leases to total assets | 68.6045% | 2,687 |
| Net loans and leases to deposits | 83.6734% | 2,425 |
| Net loans and leases to core deposits | 90.0817% | 2,446 |
| Total domestic deposits to total assets | 81.9908% | 3,967 |
| Equity capital to assets | 17.6271% | 344 |
| Core capital (leverage) ratio | 17.5837% | 333 |
| Tier 1 risk-based capital ratio | 30.8870% | 441 |
| Total risk-based capital ratio | 32.1506% | 440 |
| Memoranda: | ||
| Average total assets | $64,177,500 | 4,847 |
| Average earning assets | $60,546,000 | 4,812 |
| Average equity | $10,916,000 | 4,281 |
| Average total loans | $44,105,000 | 4,589 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4603% | 279 |
| Cost of funding earning assets | 0.4048% | 3,205 |
| Net interest margin | 5.0555% | 217 |
| Noninterest income to average assets | 0.1949% | 4,978 |
| Noninterest expense to average assets | 2.7429% | 2,986 |
| Loan and lease loss provision to assets | 0.0936% | 2,334 |
| Net operating income to assets | 2.1690% | 203 |
| Return on assets (ROA) | 2.1690% | 204 |
| Pretax return on assets | 2.1690% | 334 |
| Return on Equity (ROE) | 12.8532% | 986 |
| Retained earnings to average equity (ytd only) | 2.5780% | 3,778 |
| Net charge-offs to loans | 0.9418% | 201 |
| Credit loss provision to net charge-offs | 14.5631% | 3,640 |
| Earnings coverage of net charge-offs (x) | 3.5218% | 3,596 |
| Efficiency ratio | 54.7975% | 4,877 |
| Assets per employee ($millions) | 5.4614% | 1,978 |
| Cash dividends to net income (ytd only)* | 79.9425% | 849 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9286% | 4,325 |
| Loan loss allowance to noncurrent loans | 35.6771% | 4,766 |
| Noncurrent assets plus other real estate owned to assets | 2.3590% | 418 |
| Noncurrent loans to loans | 2.6027% | 500 |
| Net loans and leases to total assets | 66.9103% | 2,980 |
| Net loans and leases to deposits | 80.4620% | 2,865 |
| Net loans and leases to core deposits | 86.2614% | 2,892 |
| Total domestic deposits to total assets | 83.1576% | 3,511 |
| Equity capital to assets | 16.4167% | 465 |
| Core capital (leverage) ratio | 16.9321% | 374 |
| Tier 1 risk-based capital ratio | 29.1185% | 492 |
| Total risk-based capital ratio | 30.2309% | 493 |
| Memoranda: | ||
| Average total assets | $64,130,200 | 4,876 |
| Average earning assets | $61,022,200 | 4,839 |
| Average equity | $10,822,200 | 4,331 |
| Average total loans | $43,745,400 | 4,621 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4734% | 263 |
| Cost of funding earning assets | 0.4025% | 3,165 |
| Net interest margin | 5.0708% | 201 |
| Noninterest income to average assets | 0.1986% | 5,012 |
| Noninterest expense to average assets | 2.7448% | 2,911 |
| Loan and lease loss provision to assets | 0.0941% | 2,203 |
| Net operating income to assets | 2.2055% | 212 |
| Return on assets (ROA) | 2.2055% | 217 |
| Pretax return on assets | 2.2055% | 356 |
| Return on Equity (ROE) | 12.9787% | 1,064 |
| Retained earnings to average equity (ytd only) | 8.2301% | 1,120 |
| Net charge-offs to loans | 0.1406% | 1,402 |
| Credit loss provision to net charge-offs | 97.8261% | 2,344 |
| Earnings coverage of net charge-offs (x) | 23.9137% | 1,791 |
| Efficiency ratio | 54.4136% | 4,905 |
| Assets per employee ($millions) | 5.8109% | 1,642 |
| Cash dividends to net income (ytd only)* | 36.5874% | 2,439 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6910% | 1,052 |
| Loan loss allowance to noncurrent loans | 61.8005% | 4,299 |
| Noncurrent assets plus other real estate owned to assets | 2.5454% | 418 |
| Noncurrent loans to loans | 2.7362% | 516 |
| Net loans and leases to total assets | 69.3069% | 2,663 |
| Net loans and leases to deposits | 84.5778% | 2,485 |
| Net loans and leases to core deposits | 90.4194% | 2,569 |
| Total domestic deposits to total assets | 81.9446% | 3,795 |
| Equity capital to assets | 17.4421% | 383 |
| Core capital (leverage) ratio | 17.6856% | 323 |
| Tier 1 risk-based capital ratio | 30.0966% | 472 |
| Total risk-based capital ratio | 31.3546% | 467 |
| Memoranda: | ||
| Average total assets | $63,778,500 | 4,937 |
| Average earning assets | $60,948,250 | 4,891 |
| Average equity | $10,838,000 | 4,374 |
| Average total loans | $43,616,250 | 4,669 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4396% | 264 |
| Cost of funding earning assets | 0.3970% | 3,105 |
| Net interest margin | 5.0426% | 206 |
| Noninterest income to average assets | 0.1946% | 5,074 |
| Noninterest expense to average assets | 2.7553% | 2,904 |
| Loan and lease loss provision to assets | 0.0941% | 2,105 |
| Net operating income to assets | 2.1685% | 226 |
| Return on assets (ROA) | 2.1685% | 228 |
| Pretax return on assets | 2.1685% | 373 |
| Return on Equity (ROE) | 12.8746% | 1,070 |
| Retained earnings to average equity (ytd only) | 8.0489% | 1,144 |
| Net charge-offs to loans | 0.1623% | 1,194 |
| Credit loss provision to net charge-offs | 85.7143% | 2,196 |
| Earnings coverage of net charge-offs (x) | 20.6000% | 1,787 |
| Efficiency ratio | 54.9093% | 4,932 |
| Assets per employee ($millions) | 5.6671% | 1,731 |
| Cash dividends to net income (ytd only)* | 37.4819% | 2,443 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7088% | 1,043 |
| Loan loss allowance to noncurrent loans | 91.2154% | 3,726 |
| Noncurrent assets plus other real estate owned to assets | 1.9651% | 658 |
| Noncurrent loans to loans | 1.8734% | 937 |
| Net loans and leases to total assets | 69.9429% | 2,536 |
| Net loans and leases to deposits | 85.2798% | 2,316 |
| Net loans and leases to core deposits | 91.3053% | 2,393 |
| Total domestic deposits to total assets | 82.0158% | 3,887 |
| Equity capital to assets | 17.5046% | 363 |
| Core capital (leverage) ratio | 17.4369% | 333 |
| Tier 1 risk-based capital ratio | 30.2271% | 457 |
| Total risk-based capital ratio | 31.4875% | 455 |
| Memoranda: | ||
| Average total assets | $63,731,330 | 4,978 |
| Average earning assets | $60,960,330 | 4,925 |
| Average equity | $10,734,330 | 4,402 |
| Average total loans | $43,134,000 | 4,711 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3485% | 300 |
| Cost of funding earning assets | 0.3890% | 3,106 |
| Net interest margin | 4.9595% | 238 |
| Noninterest income to average assets | 0.1800% | 5,190 |
| Noninterest expense to average assets | 2.7814% | 2,854 |
| Loan and lease loss provision to assets | 0.0931% | 1,980 |
| Net operating income to assets | 2.0550% | 278 |
| Return on assets (ROA) | 2.0550% | 287 |
| Pretax return on assets | 2.0550% | 455 |
| Return on Equity (ROE) | 12.4372% | 1,127 |
| Retained earnings to average equity (ytd only) | 12.4372% | 427 |
| Net charge-offs to loans | 0.0658% | 1,672 |
| Credit loss provision to net charge-offs | 214.2857% | 967 |
| Earnings coverage of net charge-offs (x) | 49.4286% | 904 |
| Efficiency ratio | 56.4232% | 4,896 |
| Assets per employee ($millions) | 5.6837% | 1,740 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7897% | 972 |
| Loan loss allowance to noncurrent loans | 50.2608% | 4,637 |
| Noncurrent assets plus other real estate owned to assets | 3.0838% | 318 |
| Noncurrent loans to loans | 3.5607% | 332 |
| Net loans and leases to total assets | 67.6733% | 2,730 |
| Net loans and leases to deposits | 82.2208% | 2,474 |
| Net loans and leases to core deposits | 88.6315% | 2,483 |
| Total domestic deposits to total assets | 82.3067% | 4,084 |
| Equity capital to assets | 17.2918% | 355 |
| Core capital (leverage) ratio | 17.2562% | 346 |
| Tier 1 risk-based capital ratio | 30.4415% | 464 |
| Total risk-based capital ratio | 31.7002% | 460 |
| Memoranda: | ||
| Average total assets | $64,428,000 | 5,023 |
| Average earning assets | $61,699,500 | 4,958 |
| Average equity | $10,645,500 | 4,446 |
| Average total loans | $42,521,500 | 4,773 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3539% | 324 |
| Cost of funding earning assets | 0.4044% | 2,958 |
| Net interest margin | 4.9494% | 273 |
| Noninterest income to average assets | 0.3412% | 4,300 |
| Noninterest expense to average assets | 2.6424% | 3,549 |
| Loan and lease loss provision to assets | 0.0966% | 2,437 |
| Net operating income to assets | 2.3286% | 188 |
| Return on assets (ROA) | 2.3286% | 196 |
| Pretax return on assets | 2.3286% | 262 |
| Return on Equity (ROE) | 13.7425% | 817 |
| Retained earnings to average equity (ytd only) | 2.7922% | 3,914 |
| Net charge-offs to loans | 0.1017% | 2,261 |
| Credit loss provision to net charge-offs | 146.3415% | 1,871 |
| Earnings coverage of net charge-offs (x) | 36.7561% | 1,252 |
| Efficiency ratio | 52.1435% | 5,375 |
| Assets per employee ($millions) | 6.0305% | 1,460 |
| Cash dividends to net income (ytd only)* | 79.6821% | 918 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8183% | 921 |
| Loan loss allowance to noncurrent loans | 73.2246% | 4,152 |
| Noncurrent assets plus other real estate owned to assets | 2.1648% | 606 |
| Noncurrent loans to loans | 2.4832% | 632 |
| Net loans and leases to total assets | 62.1075% | 3,602 |
| Net loans and leases to deposits | 74.2057% | 3,488 |
| Net loans and leases to core deposits | 79.5378% | 3,437 |
| Total domestic deposits to total assets | 83.6964% | 3,542 |
| Equity capital to assets | 15.7986% | 520 |
| Core capital (leverage) ratio | 16.9500% | 363 |
| Tier 1 risk-based capital ratio | 29.6321% | 491 |
| Total risk-based capital ratio | 30.8932% | 487 |
| Memoranda: | ||
| Average total assets | $62,141,200 | 5,085 |
| Average earning assets | $59,340,200 | 5,036 |
| Average equity | $10,529,400 | 4,487 |
| Average total loans | $40,324,600 | 4,868 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4349% | 280 |
| Cost of funding earning assets | 0.4119% | 2,913 |
| Net interest margin | 5.0230% | 243 |
| Noninterest income to average assets | 0.3885% | 4,003 |
| Noninterest expense to average assets | 2.8262% | 2,915 |
| Loan and lease loss provision to assets | 0.0982% | 2,260 |
| Net operating income to assets | 2.2544% | 223 |
| Return on assets (ROA) | 2.2544% | 237 |
| Pretax return on assets | 2.2544% | 340 |
| Return on Equity (ROE) | 13.0652% | 1,037 |
| Retained earnings to average equity (ytd only) | 8.1578% | 1,106 |
| Net charge-offs to loans | 0.1436% | 1,547 |
| Credit loss provision to net charge-offs | 104.6512% | 2,290 |
| Earnings coverage of net charge-offs (x) | 25.0706% | 1,649 |
| Efficiency ratio | 54.5723% | 5,194 |
| Assets per employee ($millions) | 5.5004% | 1,850 |
| Cash dividends to net income (ytd only)* | 37.5604% | 2,458 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8323% | 951 |
| Loan loss allowance to noncurrent loans | 111.8441% | 3,390 |
| Noncurrent assets plus other real estate owned to assets | 2.1090% | 723 |
| Noncurrent loans to loans | 1.6383% | 1,309 |
| Net loans and leases to total assets | 66.0584% | 3,113 |
| Net loans and leases to deposits | 81.0907% | 2,842 |
| Net loans and leases to core deposits | 87.7068% | 2,789 |
| Total domestic deposits to total assets | 81.4624% | 4,116 |
| Equity capital to assets | 17.9013% | 352 |
| Core capital (leverage) ratio | 18.4543% | 268 |
| Tier 1 risk-based capital ratio | 31.9263% | 412 |
| Total risk-based capital ratio | 33.1879% | 407 |
| Memoranda: | ||
| Average total assets | $61,092,750 | 5,165 |
| Average earning assets | $58,263,750 | 5,108 |
| Average equity | $10,541,750 | 4,533 |
| Average total loans | $39,915,250 | 4,924 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4019% | 295 |
| Cost of funding earning assets | 0.4171% | 2,867 |
| Net interest margin | 4.9848% | 262 |
| Noninterest income to average assets | 0.3851% | 3,989 |
| Noninterest expense to average assets | 2.7737% | 3,119 |
| Loan and lease loss provision to assets | 0.0979% | 2,202 |
| Net operating income to assets | 2.2712% | 206 |
| Return on assets (ROA) | 2.2712% | 217 |
| Pretax return on assets | 2.2712% | 329 |
| Return on Equity (ROE) | 13.3265% | 953 |
| Retained earnings to average equity (ytd only) | 8.1759% | 1,111 |
| Net charge-offs to loans | 0.9130% | 208 |
| Credit loss provision to net charge-offs | 16.5746% | 2,959 |
| Earnings coverage of net charge-offs (x) | 4.0110% | 3,031 |
| Efficiency ratio | 53.9340% | 5,315 |
| Assets per employee ($millions) | 5.4565% | 1,836 |
| Cash dividends to net income (ytd only)* | 38.6494% | 2,484 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4739% | 1,966 |
| Loan loss allowance to noncurrent loans | 68.1243% | 4,406 |
| Noncurrent assets plus other real estate owned to assets | 1.9576% | 840 |
| Noncurrent loans to loans | 2.1636% | 881 |
| Net loans and leases to total assets | 65.9319% | 3,096 |
| Net loans and leases to deposits | 80.5885% | 2,861 |
| Net loans and leases to core deposits | 85.7654% | 2,926 |
| Total domestic deposits to total assets | 81.8130% | 4,049 |
| Equity capital to assets | 17.6821% | 364 |
| Core capital (leverage) ratio | 17.6469% | 319 |
| Tier 1 risk-based capital ratio | 31.7412% | 425 |
| Total risk-based capital ratio | 32.9974% | 421 |
| Memoranda: | ||
| Average total assets | $61,289,000 | 5,215 |
| Average earning assets | $58,498,330 | 5,147 |
| Average equity | $10,445,330 | 4,577 |
| Average total loans | $39,649,000 | 4,983 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5105% | 253 |
| Cost of funding earning assets | 0.4208% | 2,854 |
| Net interest margin | 5.0898% | 206 |
| Noninterest income to average assets | 0.2584% | 4,882 |
| Noninterest expense to average assets | 2.7389% | 3,281 |
| Loan and lease loss provision to assets | 0.0969% | 2,077 |
| Net operating income to assets | 2.2673% | 212 |
| Return on assets (ROA) | 2.2673% | 223 |
| Pretax return on assets | 2.2673% | 333 |
| Return on Equity (ROE) | 13.5502% | 918 |
| Retained earnings to average equity (ytd only) | 13.5502% | 348 |
| Net charge-offs to loans | -0.1015% | 5,642 |
| Credit loss provision to net charge-offs | -150.0000% | 4,300 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.6709% | 5,413 |
| Assets per employee ($millions) | 6.0518% | 1,375 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9497% | 895 |
| Loan loss allowance to noncurrent loans | 111.1433% | 3,405 |
| Noncurrent assets plus other real estate owned to assets | 1.6474% | 1,195 |
| Noncurrent loans to loans | 1.7542% | 1,267 |
| Net loans and leases to total assets | 63.8207% | 3,263 |
| Net loans and leases to deposits | 77.6920% | 3,034 |
| Net loans and leases to core deposits | 83.5074% | 2,976 |
| Total domestic deposits to total assets | 82.1458% | 4,176 |
| Equity capital to assets | 17.4113% | 386 |
| Core capital (leverage) ratio | 17.1328% | 360 |
| Tier 1 risk-based capital ratio | 32.0167% | 431 |
| Total risk-based capital ratio | 33.2776% | 425 |
| Memoranda: | ||
| Average total assets | $61,923,000 | 5,243 |
| Average earning assets | $58,941,500 | 5,189 |
| Average equity | $10,361,500 | 4,604 |
| Average total loans | $39,391,000 | 5,032 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4749% | 279 |
| Cost of funding earning assets | 0.4988% | 2,165 |
| Net interest margin | 4.9761% | 264 |
| Noninterest income to average assets | 0.2204% | 5,276 |
| Noninterest expense to average assets | 2.8029% | 3,218 |
| Loan and lease loss provision to assets | 0.1017% | 2,287 |
| Net operating income to assets | 2.0687% | 310 |
| Return on assets (ROA) | 2.0687% | 319 |
| Pretax return on assets | 2.0687% | 467 |
| Return on Equity (ROE) | 11.9360% | 1,315 |
| Retained earnings to average equity (ytd only) | 2.3872% | 4,356 |
| Net charge-offs to loans | -0.3526% | 6,038 |
| Credit loss provision to net charge-offs | -47.6190% | 5,052 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.3587% | 5,313 |
| Assets per employee ($millions) | 5.7571% | 1,573 |
| Cash dividends to net income (ytd only)* | 80.0000% | 879 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8888% | 975 |
| Loan loss allowance to noncurrent loans | 104.0559% | 3,600 |
| Noncurrent assets plus other real estate owned to assets | 1.6122% | 1,222 |
| Noncurrent loans to loans | 1.8151% | 1,204 |
| Net loans and leases to total assets | 61.0267% | 3,685 |
| Net loans and leases to deposits | 73.2048% | 3,590 |
| Net loans and leases to core deposits | 78.3422% | 3,508 |
| Total domestic deposits to total assets | 83.3644% | 3,723 |
| Equity capital to assets | 16.0845% | 511 |
| Core capital (leverage) ratio | 16.7192% | 399 |
| Tier 1 risk-based capital ratio | 30.4387% | 484 |
| Total risk-based capital ratio | 31.6997% | 476 |
| Memoranda: | ||
| Average total assets | $58,974,800 | 5,344 |
| Average earning assets | $56,329,600 | 5,283 |
| Average equity | $10,221,200 | 4,614 |
| Average total loans | $35,735,600 | 5,164 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4780% | 275 |
| Cost of funding earning assets | 0.5179% | 2,059 |
| Net interest margin | 4.9601% | 276 |
| Noninterest income to average assets | 0.2395% | 5,218 |
| Noninterest expense to average assets | 2.8192% | 3,106 |
| Loan and lease loss provision to assets | 0.1037% | 2,130 |
| Net operating income to assets | 2.0592% | 329 |
| Return on assets (ROA) | 2.0592% | 346 |
| Pretax return on assets | 2.0592% | 536 |
| Return on Equity (ROE) | 11.6517% | 1,477 |
| Retained earnings to average equity (ytd only) | 7.2986% | 1,547 |
| Net charge-offs to loans | -0.4748% | 6,147 |
| Credit loss provision to net charge-offs | -36.2903% | 4,933 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.5881% | 5,275 |
| Assets per employee ($millions) | 5.3581% | 1,898 |
| Cash dividends to net income (ytd only)* | 37.3600% | 2,452 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8817% | 1,107 |
| Loan loss allowance to noncurrent loans | 107.8635% | 3,518 |
| Noncurrent assets plus other real estate owned to assets | 1.7001% | 1,271 |
| Noncurrent loans to loans | 1.7445% | 1,369 |
| Net loans and leases to total assets | 64.3190% | 3,255 |
| Net loans and leases to deposits | 78.8834% | 3,003 |
| Net loans and leases to core deposits | 84.9997% | 2,949 |
| Total domestic deposits to total assets | 81.5368% | 4,309 |
| Equity capital to assets | 17.8184% | 355 |
| Core capital (leverage) ratio | 17.8739% | 307 |
| Tier 1 risk-based capital ratio | 33.2458% | 403 |
| Total risk-based capital ratio | 34.5057% | 398 |
| Memoranda: | ||
| Average total assets | $57,886,500 | 5,433 |
| Average earning assets | $55,347,250 | 5,377 |
| Average equity | $10,230,000 | 4,670 |
| Average total loans | $34,821,750 | 5,255 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3223% | 352 |
| Cost of funding earning assets | 0.5279% | 2,005 |
| Net interest margin | 4.7944% | 370 |
| Noninterest income to average assets | 0.2329% | 5,295 |
| Noninterest expense to average assets | 2.7948% | 3,250 |
| Loan and lease loss provision to assets | 0.1043% | 2,089 |
| Net operating income to assets | 1.9119% | 427 |
| Return on assets (ROA) | 1.9119% | 447 |
| Pretax return on assets | 1.9119% | 720 |
| Return on Equity (ROE) | 10.8488% | 1,730 |
| Retained earnings to average equity (ytd only) | 6.8446% | 1,775 |
| Net charge-offs to loans | -0.7511% | 6,244 |
| Credit loss provision to net charge-offs | -23.8095% | 4,739 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0925% | 5,213 |
| Assets per employee ($millions) | 5.2440% | 1,996 |
| Cash dividends to net income (ytd only)* | 36.9091% | 2,543 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0173% | 960 |
| Loan loss allowance to noncurrent loans | 153.9957% | 2,745 |
| Noncurrent assets plus other real estate owned to assets | 1.3713% | 1,827 |
| Noncurrent loans to loans | 1.3100% | 2,051 |
| Net loans and leases to total assets | 60.0357% | 3,834 |
| Net loans and leases to deposits | 73.5562% | 3,549 |
| Net loans and leases to core deposits | 80.1421% | 3,375 |
| Total domestic deposits to total assets | 81.6188% | 4,414 |
| Equity capital to assets | 17.8368% | 351 |
| Core capital (leverage) ratio | 17.7743% | 307 |
| Tier 1 risk-based capital ratio | 35.0359% | 360 |
| Total risk-based capital ratio | 36.2992% | 360 |
| Memoranda: | ||
| Average total assets | $57,535,670 | 5,500 |
| Average earning assets | $54,938,670 | 5,442 |
| Average equity | $10,139,330 | 4,717 |
| Average total loans | $33,550,330 | 5,342 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1390% | 454 |
| Cost of funding earning assets | 0.5314% | 2,000 |
| Net interest margin | 4.6076% | 492 |
| Noninterest income to average assets | 0.2297% | 5,315 |
| Noninterest expense to average assets | 2.8262% | 3,153 |
| Loan and lease loss provision to assets | 0.1044% | 1,961 |
| Net operating income to assets | 1.7055% | 583 |
| Return on assets (ROA) | 1.7055% | 611 |
| Pretax return on assets | 1.7055% | 1,039 |
| Return on Equity (ROE) | 9.7372% | 2,119 |
| Retained earnings to average equity (ytd only) | 9.7372% | 986 |
| Net charge-offs to loans | -1.5312% | 6,347 |
| Credit loss provision to net charge-offs | -12.0000% | 4,312 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.9610% | 4,971 |
| Assets per employee ($millions) | 5.7444% | 1,596 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0978% | 923 |
| Loan loss allowance to noncurrent loans | 192.5414% | 2,291 |
| Noncurrent assets plus other real estate owned to assets | 1.2499% | 2,136 |
| Noncurrent loans to loans | 1.0895% | 2,584 |
| Net loans and leases to total assets | 56.6256% | 4,133 |
| Net loans and leases to deposits | 69.2512% | 3,833 |
| Net loans and leases to core deposits | 74.6004% | 3,730 |
| Total domestic deposits to total assets | 81.7683% | 4,576 |
| Equity capital to assets | 17.7338% | 353 |
| Core capital (leverage) ratio | 17.8785% | 292 |
| Tier 1 risk-based capital ratio | 35.9304% | 337 |
| Total risk-based capital ratio | 37.1931% | 333 |
| Memoranda: | ||
| Average total assets | $57,461,500 | 5,556 |
| Average earning assets | $54,952,500 | 5,494 |
| Average equity | $10,064,500 | 4,764 |
| Average total loans | $32,653,500 | 5,416 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4148% | 368 |
| Cost of funding earning assets | 0.5504% | 2,201 |
| Net interest margin | 4.8644% | 382 |
| Noninterest income to average assets | 0.2050% | 5,632 |
| Noninterest expense to average assets | 2.7758% | 3,577 |
| Loan and lease loss provision to assets | 0.1060% | 2,382 |
| Net operating income to assets | 1.9613% | 350 |
| Return on assets (ROA) | 1.9701% | 358 |
| Pretax return on assets | 1.9701% | 542 |
| Return on Equity (ROE) | 11.1585% | 1,673 |
| Retained earnings to average equity (ytd only) | 2.2317% | 4,658 |
| Net charge-offs to loans | 0.3805% | 1,128 |
| Credit loss provision to net charge-offs | 47.6190% | 3,535 |
| Earnings coverage of net charge-offs (x) | 9.2857% | 2,771 |
| Efficiency ratio | 57.3148% | 5,530 |
| Assets per employee ($millions) | 6.3866% | 1,128 |
| Cash dividends to net income (ytd only)* | 80.0000% | 897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7362% | 1,688 |
| Loan loss allowance to noncurrent loans | 62.3740% | 4,736 |
| Noncurrent assets plus other real estate owned to assets | 2.0529% | 1,222 |
| Noncurrent loans to loans | 2.7835% | 854 |
| Net loans and leases to total assets | 54.8461% | 4,469 |
| Net loans and leases to deposits | 66.7111% | 4,243 |
| Net loans and leases to core deposits | 71.8306% | 4,141 |
| Total domestic deposits to total assets | 82.2144% | 4,342 |
| Equity capital to assets | 17.2968% | 390 |
| Core capital (leverage) ratio | 17.2968% | 340 |
| Tier 1 risk-based capital ratio | 35.1730% | 335 |
| Total risk-based capital ratio | 36.4325% | 328 |
| Memoranda: | ||
| Average total assets | $56,596,200 | 5,637 |
| Average earning assets | $53,963,200 | 5,567 |
| Average equity | $9,992,400 | 4,751 |
| Average total loans | $33,113,000 | 5,443 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4841% | 323 |
| Cost of funding earning assets | 0.5581% | 2,211 |
| Net interest margin | 4.9260% | 339 |
| Noninterest income to average assets | 0.1916% | 5,771 |
| Noninterest expense to average assets | 2.7955% | 3,480 |
| Loan and lease loss provision to assets | 0.1064% | 2,263 |
| Net operating income to assets | 1.9866% | 351 |
| Return on assets (ROA) | 1.9985% | 359 |
| Pretax return on assets | 1.9985% | 573 |
| Return on Equity (ROE) | 11.2608% | 1,700 |
| Retained earnings to average equity (ytd only) | 6.8898% | 1,876 |
| Net charge-offs to loans | 0.4834% | 811 |
| Credit loss provision to net charge-offs | 37.1901% | 3,333 |
| Earnings coverage of net charge-offs (x) | 7.3140% | 2,942 |
| Efficiency ratio | 57.1843% | 5,544 |
| Assets per employee ($millions) | 5.1245% | 2,109 |
| Cash dividends to net income (ytd only)* | 38.8163% | 2,405 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6487% | 2,141 |
| Loan loss allowance to noncurrent loans | 99.6364% | 3,686 |
| Noncurrent assets plus other real estate owned to assets | 1.4849% | 2,071 |
| Noncurrent loans to loans | 1.6547% | 1,971 |
| Net loans and leases to total assets | 57.9946% | 4,072 |
| Net loans and leases to deposits | 71.3777% | 3,751 |
| Net loans and leases to core deposits | 77.0342% | 3,633 |
| Total domestic deposits to total assets | 81.2503% | 4,750 |
| Equity capital to assets | 18.1589% | 326 |
| Core capital (leverage) ratio | 18.1589% | 296 |
| Tier 1 risk-based capital ratio | 35.8102% | 329 |
| Total risk-based capital ratio | 37.0697% | 328 |
| Memoranda: | ||
| Average total assets | $56,375,500 | 5,705 |
| Average earning assets | $53,754,000 | 5,643 |
| Average equity | $10,005,000 | 4,785 |
| Average total loans | $33,370,750 | 5,476 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5056% | 303 |
| Cost of funding earning assets | 0.5561% | 2,299 |
| Net interest margin | 4.9495% | 314 |
| Noninterest income to average assets | 0.1880% | 5,833 |
| Noninterest expense to average assets | 2.8451% | 3,351 |
| Loan and lease loss provision to assets | 0.1064% | 2,243 |
| Net operating income to assets | 1.9724% | 356 |
| Return on assets (ROA) | 1.9724% | 370 |
| Pretax return on assets | 1.9724% | 591 |
| Return on Equity (ROE) | 11.2006% | 1,666 |
| Retained earnings to average equity (ytd only) | 6.8493% | 1,840 |
| Net charge-offs to loans | -0.0060% | 5,206 |
| Credit loss provision to net charge-offs | -3,000.0000% | 5,863 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.7810% | 5,580 |
| Assets per employee ($millions) | 4.9925% | 2,227 |
| Cash dividends to net income (ytd only)* | 38.8489% | 2,455 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9471% | 1,466 |
| Loan loss allowance to noncurrent loans | 91.0739% | 3,852 |
| Noncurrent assets plus other real estate owned to assets | 1.8282% | 1,773 |
| Noncurrent loans to loans | 2.1379% | 1,555 |
| Net loans and leases to total assets | 59.8784% | 3,741 |
| Net loans and leases to deposits | 73.6715% | 3,361 |
| Net loans and leases to core deposits | 79.6570% | 3,252 |
| Total domestic deposits to total assets | 81.2775% | 4,884 |
| Equity capital to assets | 18.3164% | 310 |
| Core capital (leverage) ratio | 18.3164% | 282 |
| Tier 1 risk-based capital ratio | 35.4365% | 331 |
| Total risk-based capital ratio | 36.7012% | 329 |
| Memoranda: | ||
| Average total assets | $56,377,670 | 5,754 |
| Average earning assets | $53,944,670 | 5,690 |
| Average equity | $9,928,000 | 4,821 |
| Average total loans | $33,414,670 | 5,517 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4600% | 310 |
| Cost of funding earning assets | 0.5489% | 2,428 |
| Net interest margin | 4.9111% | 316 |
| Noninterest income to average assets | 0.2101% | 5,676 |
| Noninterest expense to average assets | 2.7947% | 3,589 |
| Loan and lease loss provision to assets | 0.1051% | 2,168 |
| Net operating income to assets | 2.0102% | 339 |
| Return on assets (ROA) | 2.0102% | 350 |
| Pretax return on assets | 2.0102% | 523 |
| Return on Equity (ROE) | 11.6401% | 1,510 |
| Retained earnings to average equity (ytd only) | 11.6401% | 659 |
| Net charge-offs to loans | 0.0959% | 2,209 |
| Credit loss provision to net charge-offs | 187.5000% | 1,094 |
| Earnings coverage of net charge-offs (x) | 37.7500% | 915 |
| Efficiency ratio | 56.9187% | 5,762 |
| Assets per employee ($millions) | 5.1414% | 2,084 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8799% | 1,810 |
| Loan loss allowance to noncurrent loans | 97.5270% | 3,670 |
| Noncurrent assets plus other real estate owned to assets | 1.6214% | 2,174 |
| Noncurrent loans to loans | 1.9275% | 1,954 |
| Net loans and leases to total assets | 58.2353% | 3,803 |
| Net loans and leases to deposits | 71.0940% | 3,462 |
| Net loans and leases to core deposits | 76.6394% | 3,348 |
| Total domestic deposits to total assets | 81.9132% | 4,968 |
| Equity capital to assets | 17.6925% | 340 |
| Core capital (leverage) ratio | 17.6925% | 317 |
| Tier 1 risk-based capital ratio | 35.2225% | 344 |
| Total risk-based capital ratio | 36.4862% | 339 |
| Memoranda: | ||
| Average total assets | $57,107,500 | 5,787 |
| Average earning assets | $54,652,000 | 5,718 |
| Average equity | $9,862,500 | 4,857 |
| Average total loans | $33,353,500 | 5,576 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6426% | 292 |
| Cost of funding earning assets | 0.5732% | 2,896 |
| Net interest margin | 5.0694% | 277 |
| Noninterest income to average assets | 0.2373% | 5,649 |
| Noninterest expense to average assets | 2.7875% | 3,772 |
| Loan and lease loss provision to assets | 0.1095% | 2,974 |
| Net operating income to assets | 2.1833% | 249 |
| Return on assets (ROA) | 2.2745% | 223 |
| Pretax return on assets | 2.2745% | 278 |
| Return on Equity (ROE) | 12.7536% | 1,220 |
| Retained earnings to average equity (ytd only) | 2.5487% | 4,437 |
| Net charge-offs to loans | -0.0353% | 6,257 |
| Credit loss provision to net charge-offs | -500.0000% | 6,137 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.8688% | 6,065 |
| Assets per employee ($millions) | 5.2418% | 1,911 |
| Cash dividends to net income (ytd only)* | 80.0161% | 920 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8829% | 1,821 |
| Loan loss allowance to noncurrent loans | 125.5533% | 3,057 |
| Noncurrent assets plus other real estate owned to assets | 1.3302% | 2,760 |
| Noncurrent loans to loans | 1.4997% | 2,645 |
| Net loans and leases to total assets | 56.3944% | 4,259 |
| Net loans and leases to deposits | 68.1755% | 4,025 |
| Net loans and leases to core deposits | 73.3273% | 3,916 |
| Total domestic deposits to total assets | 82.7194% | 4,636 |
| Equity capital to assets | 16.8557% | 409 |
| Core capital (leverage) ratio | 16.8557% | 388 |
| Tier 1 risk-based capital ratio | 34.1197% | 361 |
| Total risk-based capital ratio | 35.3800% | 351 |
| Memoranda: | ||
| Average total assets | $54,780,400 | 5,896 |
| Average earning assets | $52,333,800 | 5,826 |
| Average equity | $9,769,800 | 4,902 |
| Average total loans | $33,983,600 | 5,584 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6869% | 283 |
| Cost of funding earning assets | 0.5813% | 2,981 |
| Net interest margin | 5.1055% | 255 |
| Noninterest income to average assets | 0.2491% | 5,649 |
| Noninterest expense to average assets | 2.8289% | 3,563 |
| Loan and lease loss provision to assets | 0.1110% | 2,911 |
| Net operating income to assets | 2.1827% | 270 |
| Return on assets (ROA) | 2.3060% | 223 |
| Pretax return on assets | 2.3060% | 315 |
| Return on Equity (ROE) | 12.7436% | 1,299 |
| Retained earnings to average equity (ytd only) | 7.7279% | 1,536 |
| Net charge-offs to loans | -0.0390% | 6,229 |
| Credit loss provision to net charge-offs | -450.0000% | 6,036 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.2239% | 6,002 |
| Assets per employee ($millions) | 4.9499% | 2,234 |
| Cash dividends to net income (ytd only)* | 39.3578% | 2,311 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8271% | 2,214 |
| Loan loss allowance to noncurrent loans | 110.5839% | 3,226 |
| Noncurrent assets plus other real estate owned to assets | 1.5023% | 2,681 |
| Noncurrent loans to loans | 1.6522% | 2,704 |
| Net loans and leases to total assets | 59.8009% | 3,727 |
| Net loans and leases to deposits | 73.9267% | 3,240 |
| Net loans and leases to core deposits | 79.0373% | 3,223 |
| Total domestic deposits to total assets | 80.8922% | 5,243 |
| Equity capital to assets | 18.4338% | 298 |
| Core capital (leverage) ratio | 18.4338% | 268 |
| Tier 1 risk-based capital ratio | 35.6884% | 320 |
| Total risk-based capital ratio | 36.9506% | 313 |
| Memoranda: | ||
| Average total assets | $54,060,500 | 5,983 |
| Average earning assets | $51,603,000 | 5,911 |
| Average equity | $9,782,500 | 4,953 |
| Average total loans | $34,194,250 | 5,628 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6752% | 289 |
| Cost of funding earning assets | 0.5846% | 3,090 |
| Net interest margin | 5.0907% | 263 |
| Noninterest income to average assets | 0.2448% | 5,703 |
| Noninterest expense to average assets | 2.8221% | 3,598 |
| Loan and lease loss provision to assets | 0.1113% | 2,951 |
| Net operating income to assets | 2.1880% | 267 |
| Return on assets (ROA) | 2.3734% | 207 |
| Pretax return on assets | 2.3734% | 318 |
| Return on Equity (ROE) | 13.1990% | 1,195 |
| Retained earnings to average equity (ytd only) | 8.4763% | 1,302 |
| Net charge-offs to loans | -0.0521% | 6,283 |
| Credit loss provision to net charge-offs | -333.3333% | 5,824 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.1050% | 6,056 |
| Assets per employee ($millions) | 4.7568% | 2,441 |
| Cash dividends to net income (ytd only)* | 35.7813% | 2,423 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7242% | 2,692 |
| Loan loss allowance to noncurrent loans | 146.4020% | 2,566 |
| Noncurrent assets plus other real estate owned to assets | 1.2862% | 3,194 |
| Noncurrent loans to loans | 1.1777% | 3,590 |
| Net loans and leases to total assets | 64.2676% | 2,872 |
| Net loans and leases to deposits | 79.7496% | 2,357 |
| Net loans and leases to core deposits | 84.6051% | 2,476 |
| Total domestic deposits to total assets | 80.5867% | 5,452 |
| Equity capital to assets | 18.8839% | 261 |
| Core capital (leverage) ratio | 18.8839% | 238 |
| Tier 1 risk-based capital ratio | 35.8540% | 311 |
| Total risk-based capital ratio | 37.1167% | 303 |
| Memoranda: | ||
| Average total assets | $53,931,000 | 6,024 |
| Average earning assets | $51,663,330 | 5,948 |
| Average equity | $9,697,670 | 5,012 |
| Average total loans | $34,536,670 | 5,639 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5254% | 356 |
| Cost of funding earning assets | 0.5885% | 3,222 |
| Net interest margin | 4.9370% | 317 |
| Noninterest income to average assets | 0.2046% | 6,016 |
| Noninterest expense to average assets | 2.8209% | 3,629 |
| Loan and lease loss provision to assets | 0.1096% | 2,871 |
| Net operating income to assets | 1.9951% | 345 |
| Return on assets (ROA) | 1.9951% | 373 |
| Pretax return on assets | 1.9951% | 598 |
| Return on Equity (ROE) | 11.3679% | 1,599 |
| Retained earnings to average equity (ytd only) | 11.3679% | 804 |
| Net charge-offs to loans | 0.4727% | 1,267 |
| Credit loss provision to net charge-offs | 36.5854% | 2,793 |
| Earnings coverage of net charge-offs (x) | 7.0244% | 2,131 |
| Efficiency ratio | 57.2700% | 5,926 |
| Assets per employee ($millions) | 5.3670% | 1,783 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5060% | 3,800 |
| Loan loss allowance to noncurrent loans | 56.6955% | 4,870 |
| Noncurrent assets plus other real estate owned to assets | 2.2284% | 2,091 |
| Noncurrent loans to loans | 2.6563% | 1,940 |
| Net loans and leases to total assets | 63.9762% | 2,712 |
| Net loans and leases to deposits | 78.6261% | 2,262 |
| Net loans and leases to core deposits | 83.2327% | 2,430 |
| Total domestic deposits to total assets | 81.3676% | 5,399 |
| Equity capital to assets | 18.1535% | 317 |
| Core capital (leverage) ratio | 18.1535% | 273 |
| Tier 1 risk-based capital ratio | 34.0521% | 376 |
| Total risk-based capital ratio | 35.3104% | 372 |
| Memoranda: | ||
| Average total assets | $54,734,000 | 6,051 |
| Average earning assets | $52,340,000 | 5,973 |
| Average equity | $9,606,000 | 5,086 |
| Average total loans | $34,696,000 | 5,679 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8407% | 345 |
| Cost of funding earning assets | 0.6644% | 3,791 |
| Net interest margin | 5.1763% | 281 |
| Noninterest income to average assets | 0.2313% | 5,792 |
| Noninterest expense to average assets | 2.8398% | 3,876 |
| Loan and lease loss provision to assets | 0.1076% | 4,292 |
| Net operating income to assets | 2.2285% | 239 |
| Return on assets (ROA) | 2.2625% | 246 |
| Pretax return on assets | 2.2625% | 358 |
| Return on Equity (ROE) | 13.2321% | 1,174 |
| Retained earnings to average equity (ytd only) | 2.6632% | 4,358 |
| Net charge-offs to loans | 0.0738% | 4,945 |
| Credit loss provision to net charge-offs | 230.7692% | 1,071 |
| Earnings coverage of net charge-offs (x) | 50.1154% | 679 |
| Efficiency ratio | 54.8666% | 6,193 |
| Assets per employee ($millions) | 5.5798% | 1,611 |
| Cash dividends to net income (ytd only)* | 79.8732% | 1,004 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5957% | 3,342 |
| Loan loss allowance to noncurrent loans | 143.4896% | 2,459 |
| Noncurrent assets plus other real estate owned to assets | 1.1721% | 3,704 |
| Noncurrent loans to loans | 1.1120% | 3,987 |
| Net loans and leases to total assets | 60.8982% | 3,440 |
| Net loans and leases to deposits | 73.8343% | 3,117 |
| Net loans and leases to core deposits | 77.9268% | 3,271 |
| Total domestic deposits to total assets | 82.4797% | 4,940 |
| Equity capital to assets | 16.9701% | 419 |
| Core capital (leverage) ratio | 16.9701% | 357 |
| Tier 1 risk-based capital ratio | 32.2437% | 422 |
| Total risk-based capital ratio | 33.5002% | 415 |
| Memoranda: | ||
| Average total assets | $55,777,800 | 6,028 |
| Average earning assets | $53,281,400 | 5,948 |
| Average equity | $9,537,400 | 5,095 |
| Average total loans | $35,253,800 | 5,710 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9414% | 308 |
| Cost of funding earning assets | 0.6785% | 3,948 |
| Net interest margin | 5.2629% | 267 |
| Noninterest income to average assets | 0.2199% | 5,974 |
| Noninterest expense to average assets | 2.8639% | 3,736 |
| Loan and lease loss provision to assets | 0.1076% | 4,224 |
| Net operating income to assets | 2.2735% | 248 |
| Return on assets (ROA) | 2.3189% | 254 |
| Pretax return on assets | 2.3189% | 392 |
| Return on Equity (ROE) | 13.5360% | 1,214 |
| Retained earnings to average equity (ytd only) | 8.4008% | 1,442 |
| Net charge-offs to loans | 0.0978% | 4,408 |
| Credit loss provision to net charge-offs | 173.0769% | 1,611 |
| Earnings coverage of net charge-offs (x) | 38.3031% | 914 |
| Efficiency ratio | 54.6035% | 6,188 |
| Assets per employee ($millions) | 6.1804% | 1,131 |
| Cash dividends to net income (ytd only)* | 37.9378% | 2,294 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5312% | 3,815 |
| Loan loss allowance to noncurrent loans | 51.1450% | 5,066 |
| Noncurrent assets plus other real estate owned to assets | 2.3695% | 2,242 |
| Noncurrent loans to loans | 2.9938% | 1,868 |
| Net loans and leases to total assets | 61.9697% | 3,384 |
| Net loans and leases to deposits | 75.8967% | 2,996 |
| Net loans and leases to core deposits | 82.0636% | 2,956 |
| Total domestic deposits to total assets | 81.6500% | 5,146 |
| Equity capital to assets | 17.6489% | 388 |
| Core capital (leverage) ratio | 17.6489% | 320 |
| Tier 1 risk-based capital ratio | 32.7878% | 414 |
| Total risk-based capital ratio | 34.0436% | 410 |
| Memoranda: | ||
| Average total assets | $55,772,750 | 6,097 |
| Average earning assets | $53,252,500 | 6,019 |
| Average equity | $9,554,500 | 5,139 |
| Average total loans | $35,434,500 | 5,773 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1169% | 252 |
| Cost of funding earning assets | 0.7009% | 4,007 |
| Net interest margin | 5.4160% | 206 |
| Noninterest income to average assets | 0.2221% | 5,983 |
| Noninterest expense to average assets | 2.8125% | 3,965 |
| Loan and lease loss provision to assets | 0.1075% | 4,180 |
| Net operating income to assets | 2.4793% | 184 |
| Return on assets (ROA) | 2.4793% | 209 |
| Pretax return on assets | 2.4793% | 308 |
| Return on Equity (ROE) | 14.6192% | 997 |
| Retained earnings to average equity (ytd only) | 9.4433% | 1,132 |
| Net charge-offs to loans | 0.1405% | 3,798 |
| Credit loss provision to net charge-offs | 120.0000% | 2,288 |
| Earnings coverage of net charge-offs (x) | 28.8800% | 1,099 |
| Efficiency ratio | 52.0902% | 6,499 |
| Assets per employee ($millions) | 5.6503% | 1,478 |
| Cash dividends to net income (ytd only)* | 35.4046% | 2,380 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4661% | 4,172 |
| Loan loss allowance to noncurrent loans | 95.0820% | 3,333 |
| Noncurrent assets plus other real estate owned to assets | 1.7486% | 3,105 |
| Noncurrent loans to loans | 1.5419% | 3,594 |
| Net loans and leases to total assets | 62.0905% | 3,414 |
| Net loans and leases to deposits | 75.3388% | 3,077 |
| Net loans and leases to core deposits | 86.2711% | 2,394 |
| Total domestic deposits to total assets | 82.4151% | 4,975 |
| Equity capital to assets | 17.1017% | 431 |
| Core capital (leverage) ratio | 17.1017% | 353 |
| Tier 1 risk-based capital ratio | 31.8092% | 448 |
| Total risk-based capital ratio | 33.0634% | 444 |
| Memoranda: | ||
| Average total assets | $55,822,330 | 6,139 |
| Average earning assets | $53,360,000 | 6,050 |
| Average equity | $9,467,000 | 5,162 |
| Average total loans | $35,577,330 | 5,807 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8684% | 373 |
| Cost of funding earning assets | 0.7072% | 4,215 |
| Net interest margin | 5.1612% | 314 |
| Noninterest income to average assets | 0.2235% | 6,017 |
| Noninterest expense to average assets | 2.8550% | 3,800 |
| Loan and lease loss provision to assets | 0.1081% | 4,000 |
| Net operating income to assets | 2.2061% | 288 |
| Return on assets (ROA) | 2.2061% | 344 |
| Pretax return on assets | 2.2061% | 533 |
| Return on Equity (ROE) | 13.0644% | 1,386 |
| Retained earnings to average equity (ytd only) | 13.0644% | 674 |
| Net charge-offs to loans | 0.0562% | 3,937 |
| Credit loss provision to net charge-offs | 300.0000% | 978 |
| Earnings coverage of net charge-offs (x) | 64.2000% | 523 |
| Efficiency ratio | 55.2301% | 6,202 |
| Assets per employee ($millions) | 5.5496% | 1,659 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4866% | 4,235 |
| Loan loss allowance to noncurrent loans | 121.4286% | 2,594 |
| Noncurrent assets plus other real estate owned to assets | 1.5731% | 3,500 |
| Noncurrent loans to loans | 1.2243% | 4,290 |
| Net loans and leases to total assets | 62.9271% | 3,060 |
| Net loans and leases to deposits | 76.3623% | 2,740 |
| Net loans and leases to core deposits | 87.6666% | 2,091 |
| Total domestic deposits to total assets | 82.4059% | 5,162 |
| Equity capital to assets | 17.1580% | 406 |
| Core capital (leverage) ratio | 17.1580% | 345 |
| Tier 1 risk-based capital ratio | 31.4216% | 464 |
| Total risk-based capital ratio | 32.6789% | 455 |
| Memoranda: | ||
| Average total assets | $55,482,000 | 6,190 |
| Average earning assets | $53,166,000 | 6,092 |
| Average equity | $9,369,000 | 5,199 |
| Average total loans | $35,563,500 | 5,845 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4686% | 190 |
| Cost of funding earning assets | 0.8252% | 4,671 |
| Net interest margin | 5.6435% | 140 |
| Noninterest income to average assets | 0.2276% | 5,902 |
| Noninterest expense to average assets | 2.7654% | 4,494 |
| Loan and lease loss provision to assets | 0.1411% | 4,849 |
| Net operating income to assets | 2.6864% | 110 |
| Return on assets (ROA) | 2.8707% | 97 |
| Pretax return on assets | 2.8707% | 139 |
| Return on Equity (ROE) | 16.3471% | 559 |
| Retained earnings to average equity (ytd only) | 3.2994% | 3,876 |
| Net charge-offs to loans | 0.1531% | 4,911 |
| Credit loss provision to net charge-offs | 138.8889% | 2,128 |
| Earnings coverage of net charge-offs (x) | 27.8333% | 890 |
| Efficiency ratio | 49.4450% | 6,865 |
| Assets per employee ($millions) | 5.5468% | 1,587 |
| Cash dividends to net income (ytd only)* | 79.8165% | 793 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4491% | 4,243 |
| Loan loss allowance to noncurrent loans | 63.5135% | 4,325 |
| Noncurrent assets plus other real estate owned to assets | 1.7722% | 3,297 |
| Noncurrent loans to loans | 2.2815% | 2,870 |
| Net loans and leases to total assets | 63.3897% | 3,312 |
| Net loans and leases to deposits | 76.4303% | 3,109 |
| Net loans and leases to core deposits | 87.6680% | 2,405 |
| Total domestic deposits to total assets | 82.9379% | 4,774 |
| Equity capital to assets | 16.6150% | 504 |
| Core capital (leverage) ratio | 16.6150% | 403 |
| Tier 1 risk-based capital ratio | 31.7662% | 437 |
| Total risk-based capital ratio | 33.0208% | 426 |
| Memoranda: | ||
| Average total assets | $53,157,200 | 6,257 |
| Average earning assets | $50,536,200 | 6,170 |
| Average equity | $9,335,000 | 5,201 |
| Average total loans | $35,264,200 | 5,900 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5904% | 173 |
| Cost of funding earning assets | 0.8612% | 4,698 |
| Net interest margin | 5.7292% | 128 |
| Noninterest income to average assets | 0.2409% | 5,902 |
| Noninterest expense to average assets | 2.7488% | 4,536 |
| Loan and lease loss provision to assets | 0.1522% | 4,553 |
| Net operating income to assets | 2.7716% | 108 |
| Return on assets (ROA) | 3.0201% | 95 |
| Pretax return on assets | 3.0201% | 136 |
| Return on Equity (ROE) | 16.9568% | 571 |
| Retained earnings to average equity (ytd only) | 13.4686% | 336 |
| Net charge-offs to loans | 0.2048% | 4,165 |
| Credit loss provision to net charge-offs | 111.1111% | 2,954 |
| Earnings coverage of net charge-offs (x) | 21.3513% | 1,184 |
| Efficiency ratio | 48.4578% | 6,930 |
| Assets per employee ($millions) | 5.2517% | 1,872 |
| Cash dividends to net income (ytd only)* | 20.5710% | 2,900 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4077% | 4,523 |
| Loan loss allowance to noncurrent loans | 55.6541% | 4,669 |
| Noncurrent assets plus other real estate owned to assets | 2.1060% | 3,024 |
| Noncurrent loans to loans | 2.5294% | 2,738 |
| Net loans and leases to total assets | 66.9459% | 2,683 |
| Net loans and leases to deposits | 83.0118% | 2,172 |
| Net loans and leases to core deposits | 96.4290% | 1,565 |
| Total domestic deposits to total assets | 80.6463% | 5,549 |
| Equity capital to assets | 18.7634% | 330 |
| Core capital (leverage) ratio | 18.7634% | 271 |
| Tier 1 risk-based capital ratio | 34.3572% | 374 |
| Total risk-based capital ratio | 35.6089% | 366 |
| Memoranda: | ||
| Average total assets | $52,579,500 | 6,336 |
| Average earning assets | $49,848,750 | 6,250 |
| Average equity | $9,364,750 | 5,217 |
| Average total loans | $35,160,750 | 5,963 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7882% | 143 |
| Cost of funding earning assets | 0.8933% | 4,727 |
| Net interest margin | 5.8949% | 103 |
| Noninterest income to average assets | 0.2662% | 5,748 |
| Noninterest expense to average assets | 2.7186% | 4,744 |
| Loan and lease loss provision to assets | 0.1711% | 4,222 |
| Net operating income to assets | 2.9467% | 105 |
| Return on assets (ROA) | 2.9467% | 109 |
| Pretax return on assets | 2.9467% | 146 |
| Return on Equity (ROE) | 16.8448% | 569 |
| Retained earnings to average equity (ytd only) | 11.5196% | 589 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.5798% | 7,132 |
| Assets per employee ($millions) | 5.8688% | 1,255 |
| Cash dividends to net income (ytd only)* | 31.6129% | 2,414 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5327% | 3,974 |
| Loan loss allowance to noncurrent loans | 54.3173% | 4,764 |
| Noncurrent assets plus other real estate owned to assets | 1.8857% | 3,386 |
| Noncurrent loans to loans | 2.8217% | 2,576 |
| Net loans and leases to total assets | 65.8040% | 3,071 |
| Net loans and leases to deposits | 80.5287% | 2,703 |
| Net loans and leases to core deposits | 93.2273% | 1,994 |
| Total domestic deposits to total assets | 81.7149% | 5,269 |
| Equity capital to assets | 17.8686% | 390 |
| Core capital (leverage) ratio | 17.8686% | 344 |
| Tier 1 risk-based capital ratio | 32.7720% | 426 |
| Total risk-based capital ratio | 34.0290% | 417 |
| Memoranda: | ||
| Average total assets | $52,600,330 | 6,386 |
| Average earning assets | $49,703,670 | 6,306 |
| Average equity | $9,201,670 | 5,263 |
| Average total loans | $34,994,330 | 6,025 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5184% | 204 |
| Cost of funding earning assets | 0.9047% | 4,881 |
| Net interest margin | 5.6137% | 138 |
| Noninterest income to average assets | 0.2362% | 6,022 |
| Noninterest expense to average assets | 2.7433% | 4,664 |
| Loan and lease loss provision to assets | 0.1143% | 4,581 |
| Net operating income to assets | 2.6747% | 149 |
| Return on assets (ROA) | 2.6747% | 154 |
| Pretax return on assets | 2.6747% | 204 |
| Return on Equity (ROE) | 15.4566% | 750 |
| Retained earnings to average equity (ytd only) | 15.4566% | 354 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.5868% | 7,015 |
| Assets per employee ($millions) | 5.9247% | 1,247 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4376% | 4,492 |
| Loan loss allowance to noncurrent loans | 57.4803% | 4,561 |
| Noncurrent assets plus other real estate owned to assets | 1.6672% | 3,752 |
| Noncurrent loans to loans | 2.5011% | 2,982 |
| Net loans and leases to total assets | 65.7027% | 3,089 |
| Net loans and leases to deposits | 79.8532% | 2,746 |
| Net loans and leases to core deposits | 92.1996% | 2,107 |
| Total domestic deposits to total assets | 82.2794% | 5,197 |
| Equity capital to assets | 17.3643% | 410 |
| Core capital (leverage) ratio | 17.3643% | 368 |
| Tier 1 risk-based capital ratio | 32.5208% | 416 |
| Total risk-based capital ratio | 33.4727% | 419 |
| Memoranda: | ||
| Average total assets | $52,491,000 | 6,439 |
| Average earning assets | $49,521,500 | 6,354 |
| Average equity | $9,083,500 | 5,294 |
| Average total loans | $34,842,500 | 6,091 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3922% | 386 |
| Cost of funding earning assets | 0.9705% | 5,837 |
| Net interest margin | 5.4217% | 194 |
| Noninterest income to average assets | 0.2818% | 5,757 |
| Noninterest expense to average assets | 2.7093% | 4,946 |
| Loan and lease loss provision to assets | 0.1330% | 5,845 |
| Net operating income to assets | 2.6180% | 104 |
| Return on assets (ROA) | 2.6180% | 106 |
| Pretax return on assets | 2.6180% | 163 |
| Return on Equity (ROE) | 14.6810% | 765 |
| Retained earnings to average equity (ytd only) | 2.9384% | 3,801 |
| Net charge-offs to loans | -0.0090% | 7,305 |
| Credit loss provision to net charge-offs | -2,233.3333% | 7,187 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.6183% | 7,152 |
| Assets per employee ($millions) | 5.7400% | 1,400 |
| Cash dividends to net income (ytd only)* | 79.9848% | 850 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4528% | 4,267 |
| Loan loss allowance to noncurrent loans | 40.3580% | 5,615 |
| Noncurrent assets plus other real estate owned to assets | 2.3790% | 2,887 |
| Noncurrent loans to loans | 3.5999% | 2,082 |
| Net loans and leases to total assets | 65.1258% | 3,641 |
| Net loans and leases to deposits | 79.0898% | 3,323 |
| Net loans and leases to core deposits | 91.7605% | 2,529 |
| Total domestic deposits to total assets | 82.3442% | 5,078 |
| Equity capital to assets | 17.2435% | 431 |
| Core capital (leverage) ratio | 17.2435% | 381 |
| Tier 1 risk-based capital ratio | 32.1635% | 424 |
| Total risk-based capital ratio | 33.4128% | 415 |
| Memoranda: | ||
| Average total assets | $50,382,000 | 6,520 |
| Average earning assets | $48,121,400 | 6,426 |
| Average equity | $8,984,400 | 5,438 |
| Average total loans | $33,435,800 | 6,240 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4984% | 344 |
| Cost of funding earning assets | 0.9755% | 6,057 |
| Net interest margin | 5.5230% | 167 |
| Noninterest income to average assets | 0.2663% | 5,986 |
| Noninterest expense to average assets | 2.6287% | 5,203 |
| Loan and lease loss provision to assets | 0.1199% | 5,832 |
| Net operating income to assets | 2.7805% | 101 |
| Return on assets (ROA) | 2.7805% | 105 |
| Pretax return on assets | 2.7805% | 162 |
| Return on Equity (ROE) | 15.4603% | 783 |
| Retained earnings to average equity (ytd only) | 10.0107% | 792 |
| Net charge-offs to loans | -0.0120% | 7,289 |
| Credit loss provision to net charge-offs | -1,500.0000% | 7,114 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.5434% | 7,298 |
| Assets per employee ($millions) | 5.6882% | 1,474 |
| Cash dividends to net income (ytd only)* | 35.2486% | 2,301 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4003% | 4,454 |
| Loan loss allowance to noncurrent loans | 54.0479% | 4,701 |
| Noncurrent assets plus other real estate owned to assets | 1.7131% | 3,878 |
| Noncurrent loans to loans | 2.5909% | 3,035 |
| Net loans and leases to total assets | 65.1932% | 3,870 |
| Net loans and leases to deposits | 80.2052% | 3,412 |
| Net loans and leases to core deposits | 97.4652% | 2,098 |
| Total domestic deposits to total assets | 81.2830% | 5,270 |
| Equity capital to assets | 18.2053% | 399 |
| Core capital (leverage) ratio | 18.2053% | 338 |
| Tier 1 risk-based capital ratio | 34.3810% | 363 |
| Total risk-based capital ratio | 35.6315% | 359 |
| Memoranda: | ||
| Average total assets | $50,062,500 | 6,607 |
| Average earning assets | $47,702,500 | 6,521 |
| Average equity | $9,003,500 | 5,498 |
| Average total loans | $33,259,750 | 6,332 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5272% | 327 |
| Cost of funding earning assets | 0.9433% | 6,412 |
| Net interest margin | 5.5839% | 148 |
| Noninterest income to average assets | 0.2818% | 5,890 |
| Noninterest expense to average assets | 2.6567% | 5,090 |
| Loan and lease loss provision to assets | 0.1208% | 5,692 |
| Net operating income to assets | 2.8177% | 101 |
| Return on assets (ROA) | 2.8177% | 104 |
| Pretax return on assets | 2.8177% | 152 |
| Return on Equity (ROE) | 15.7339% | 731 |
| Retained earnings to average equity (ytd only) | 10.2270% | 796 |
| Net charge-offs to loans | -0.0060% | 7,128 |
| Credit loss provision to net charge-offs | -3,000.0000% | 6,997 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.4820% | 7,368 |
| Assets per employee ($millions) | 5.7222% | 1,432 |
| Cash dividends to net income (ytd only)* | 35.0000% | 2,316 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3273% | 4,779 |
| Loan loss allowance to noncurrent loans | 53.0162% | 4,760 |
| Noncurrent assets plus other real estate owned to assets | 1.7592% | 3,818 |
| Noncurrent loans to loans | 2.5036% | 3,147 |
| Net loans and leases to total assets | 65.9670% | 3,840 |
| Net loans and leases to deposits | 83.4738% | 2,981 |
| Net loans and leases to core deposits | 107.4347% | 1,347 |
| Total domestic deposits to total assets | 79.0272% | 6,032 |
| Equity capital to assets | 17.6680% | 451 |
| Core capital (leverage) ratio | 17.6680% | 380 |
| Tier 1 risk-based capital ratio | 28.1947% | 612 |
| Total risk-based capital ratio | 29.4435% | 601 |
| Memoranda: | ||
| Average total assets | $49,685,330 | 6,660 |
| Average earning assets | $47,279,000 | 6,581 |
| Average equity | $8,898,000 | 5,533 |
| Average total loans | $33,063,330 | 6,381 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2769% | 552 |
| Cost of funding earning assets | 0.9411% | 6,615 |
| Net interest margin | 5.3358% | 230 |
| Noninterest income to average assets | 0.2542% | 6,113 |
| Noninterest expense to average assets | 2.6815% | 4,993 |
| Loan and lease loss provision to assets | 0.1230% | 5,351 |
| Net operating income to assets | 2.5175% | 144 |
| Return on assets (ROA) | 2.5175% | 159 |
| Pretax return on assets | 2.5175% | 245 |
| Return on Equity (ROE) | 13.9585% | 1,056 |
| Retained earnings to average equity (ytd only) | 13.9585% | 513 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.3852% | 7,285 |
| Assets per employee ($millions) | 5.3521% | 1,821 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3732% | 4,559 |
| Loan loss allowance to noncurrent loans | 53.0686% | 4,785 |
| Noncurrent assets plus other real estate owned to assets | 1.8290% | 3,734 |
| Noncurrent loans to loans | 2.5877% | 3,084 |
| Net loans and leases to total assets | 65.7539% | 3,916 |
| Net loans and leases to deposits | 80.9803% | 3,466 |
| Net loans and leases to core deposits | 104.2046% | 1,723 |
| Total domestic deposits to total assets | 81.1975% | 5,382 |
| Equity capital to assets | 18.5825% | 369 |
| Core capital (leverage) ratio | 18.5825% | 336 |
| Tier 1 risk-based capital ratio | 35.3599% | 351 |
| Total risk-based capital ratio | 36.6082% | 339 |
| Memoranda: | ||
| Average total assets | $48,778,000 | 6,773 |
| Average earning assets | $46,328,500 | 6,688 |
| Average equity | $8,797,500 | 5,591 |
| Average total loans | $32,380,000 | 6,490 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5383% | 612 |
| Cost of funding earning assets | 1.1793% | 6,734 |
| Net interest margin | 5.3589% | 224 |
| Noninterest income to average assets | 0.3034% | 5,926 |
| Noninterest expense to average assets | 2.8168% | 4,897 |
| Loan and lease loss provision to assets | 0.1583% | 6,093 |
| Net operating income to assets | 2.4342% | 96 |
| Return on assets (ROA) | 2.4342% | 107 |
| Pretax return on assets | 2.4342% | 175 |
| Return on Equity (ROE) | 12.7640% | 1,010 |
| Retained earnings to average equity (ytd only) | 2.5482% | 3,367 |
| Net charge-offs to loans | 0.0347% | 6,780 |
| Credit loss provision to net charge-offs | 654.5455% | 446 |
| Earnings coverage of net charge-offs (x) | 107.1818% | 261 |
| Efficiency ratio | 52.0732% | 7,377 |
| Assets per employee ($millions) | 5.4874% | 1,658 |
| Cash dividends to net income (ytd only)* | 80.0361% | 1,178 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3049% | 4,726 |
| Loan loss allowance to noncurrent loans | 49.4774% | 5,085 |
| Noncurrent assets plus other real estate owned to assets | 1.8446% | 3,604 |
| Noncurrent loans to loans | 2.6374% | 2,916 |
| Net loans and leases to total assets | 65.2398% | 4,334 |
| Net loans and leases to deposits | 79.3147% | 4,115 |
| Net loans and leases to core deposits | 109.8759% | 2,906 |
| Total domestic deposits to total assets | 82.2544% | 4,834 |
| Equity capital to assets | 17.5026% | 502 |
| Core capital (leverage) ratio | 17.5026% | 435 |
| Tier 1 risk-based capital ratio | 33.4676% | 394 |
| Total risk-based capital ratio | 34.7181% | 381 |
| Memoranda: | ||
| Average total assets | $45,477,400 | 6,897 |
| Average earning assets | $43,329,400 | 6,797 |
| Average equity | $8,672,800 | 5,710 |
| Average total loans | $31,714,600 | 6,540 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5846% | 634 |
| Cost of funding earning assets | 1.2460% | 6,742 |
| Net interest margin | 5.3386% | 237 |
| Noninterest income to average assets | 0.3056% | 6,037 |
| Noninterest expense to average assets | 2.8943% | 4,476 |
| Loan and lease loss provision to assets | 0.1498% | 5,851 |
| Net operating income to assets | 2.3580% | 135 |
| Return on assets (ROA) | 2.3580% | 148 |
| Pretax return on assets | 2.3580% | 257 |
| Return on Equity (ROE) | 12.0888% | 1,334 |
| Retained earnings to average equity (ytd only) | 7.4960% | 1,316 |
| Net charge-offs to loans | 0.0127% | 6,742 |
| Credit loss provision to net charge-offs | 1,666.6667% | 233 |
| Earnings coverage of net charge-offs (x) | 278.9925% | 131 |
| Efficiency ratio | 53.5774% | 7,283 |
| Assets per employee ($millions) | 5.0078% | 2,133 |
| Cash dividends to net income (ytd only)* | 37.9926% | 2,531 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2503% | 4,823 |
| Loan loss allowance to noncurrent loans | 49.8789% | 4,992 |
| Noncurrent assets plus other real estate owned to assets | 1.9436% | 3,428 |
| Noncurrent loans to loans | 2.5067% | 3,003 |
| Net loans and leases to total assets | 72.1988% | 2,989 |
| Net loans and leases to deposits | 90.5121% | 2,476 |
| Net loans and leases to core deposits | 116.8696% | 2,536 |
| Total domestic deposits to total assets | 79.7670% | 5,536 |
| Equity capital to assets | 19.7715% | 359 |
| Core capital (leverage) ratio | 19.7715% | 328 |
| Tier 1 risk-based capital ratio | 35.6326% | 368 |
| Total risk-based capital ratio | 36.8842% | 358 |
| Memoranda: | ||
| Average total assets | $44,500,000 | 6,984 |
| Average earning assets | $42,482,000 | 6,895 |
| Average equity | $8,680,000 | 5,759 |
| Average total loans | $31,481,750 | 6,596 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5330% | 764 |
| Cost of funding earning assets | 1.3245% | 6,721 |
| Net interest margin | 5.2085% | 293 |
| Noninterest income to average assets | 0.3250% | 5,913 |
| Noninterest expense to average assets | 2.9610% | 4,248 |
| Loan and lease loss provision to assets | 0.1354% | 5,720 |
| Net operating income to assets | 2.2162% | 188 |
| Return on assets (ROA) | 2.2162% | 208 |
| Pretax return on assets | 2.2162% | 349 |
| Return on Equity (ROE) | 11.4146% | 1,584 |
| Retained earnings to average equity (ytd only) | 6.9278% | 1,610 |
| Net charge-offs to loans | 0.0129% | 6,375 |
| Credit loss provision to net charge-offs | 1,500.0000% | 332 |
| Earnings coverage of net charge-offs (x) | 260.5000% | 153 |
| Efficiency ratio | 55.7349% | 7,141 |
| Assets per employee ($millions) | 4.1868% | 3,319 |
| Cash dividends to net income (ytd only)* | 39.3075% | 2,460 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2618% | 4,524 |
| Loan loss allowance to noncurrent loans | 98.4962% | 2,935 |
| Noncurrent assets plus other real estate owned to assets | 1.0724% | 4,819 |
| Noncurrent loans to loans | 1.2810% | 4,638 |
| Net loans and leases to total assets | 73.4547% | 2,853 |
| Net loans and leases to deposits | 93.2561% | 2,220 |
| Net loans and leases to core deposits | 115.7035% | 2,736 |
| Total domestic deposits to total assets | 78.7666% | 5,873 |
| Equity capital to assets | 20.8298% | 339 |
| Core capital (leverage) ratio | 20.8298% | 321 |
| Tier 1 risk-based capital ratio | 37.0980% | 369 |
| Total risk-based capital ratio | 38.3486% | 360 |
| Memoranda: | ||
| Average total assets | $44,310,000 | 7,046 |
| Average earning assets | $42,430,670 | 6,950 |
| Average equity | $8,603,000 | 5,812 |
| Average total loans | $30,991,670 | 6,673 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4821% | 899 |
| Cost of funding earning assets | 1.4263% | 6,645 |
| Net interest margin | 5.0559% | 356 |
| Noninterest income to average assets | 0.3163% | 5,912 |
| Noninterest expense to average assets | 2.9167% | 4,101 |
| Loan and lease loss provision to assets | 0.1318% | 5,271 |
| Net operating income to assets | 2.1260% | 266 |
| Return on assets (ROA) | 2.1260% | 311 |
| Pretax return on assets | 2.1260% | 513 |
| Return on Equity (ROE) | 11.3296% | 1,871 |
| Retained earnings to average equity (ytd only) | 11.3296% | 917 |
| Net charge-offs to loans | 0.0259% | 5,180 |
| Credit loss provision to net charge-offs | 750.0000% | 792 |
| Earnings coverage of net charge-offs (x) | 128.5000% | 340 |
| Efficiency ratio | 56.3667% | 6,918 |
| Assets per employee ($millions) | 4.2758% | 3,119 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2230% | 4,640 |
| Loan loss allowance to noncurrent loans | 163.6364% | 1,978 |
| Noncurrent assets plus other real estate owned to assets | 0.6572% | 5,522 |
| Noncurrent loans to loans | 0.7474% | 5,561 |
| Net loans and leases to total assets | 71.4018% | 3,375 |
| Net loans and leases to deposits | 92.6218% | 2,492 |
| Net loans and leases to core deposits | 113.7948% | 3,026 |
| Total domestic deposits to total assets | 77.0897% | 6,254 |
| Equity capital to assets | 20.2652% | 403 |
| Core capital (leverage) ratio | 20.2652% | 382 |
| Tier 1 risk-based capital ratio | 37.1426% | 378 |
| Total risk-based capital ratio | 38.3943% | 373 |
| Memoranda: | ||
| Average total assets | $45,531,000 | 7,047 |
| Average earning assets | $43,751,000 | 6,945 |
| Average equity | $8,544,000 | 5,868 |
| Average total loans | $30,914,000 | 6,709 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0171% | 1,096 |
| Cost of funding earning assets | 1.8786% | 6,795 |
| Net interest margin | 5.1384% | 375 |
| Noninterest income to average assets | 0.2977% | 6,334 |
| Noninterest expense to average assets | 2.7943% | 4,844 |
| Loan and lease loss provision to assets | 0.1015% | 6,086 |
| Net operating income to assets | 2.3003% | 195 |
| Return on assets (ROA) | 2.3003% | 188 |
| Pretax return on assets | 2.3003% | 312 |
| Return on Equity (ROE) | 12.3646% | 1,494 |
| Retained earnings to average equity (ytd only) | 2.4658% | 3,658 |
| Net charge-offs to loans | -0.0615% | 8,048 |
| Credit loss provision to net charge-offs | -242.1053% | 7,356 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.7776% | 7,292 |
| Assets per employee ($millions) | 4.8304% | 2,142 |
| Cash dividends to net income (ytd only)* | 80.0575% | 1,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1805% | 4,702 |
| Loan loss allowance to noncurrent loans | 130.8244% | 2,777 |
| Noncurrent assets plus other real estate owned to assets | 0.6811% | 5,183 |
| Noncurrent loans to loans | 0.9023% | 4,816 |
| Net loans and leases to total assets | 63.2556% | 5,411 |
| Net loans and leases to deposits | 76.9706% | 5,478 |
| Net loans and leases to core deposits | 104.0064% | 4,396 |
| Total domestic deposits to total assets | 82.1816% | 4,129 |
| Equity capital to assets | 17.4375% | 723 |
| Core capital (leverage) ratio | 17.4375% | 653 |
| Tier 1 risk-based capital ratio | 34.3600% | 467 |
| Total risk-based capital ratio | 35.6123% | 456 |
| Memoranda: | ||
| Average total assets | $45,341,800 | 6,969 |
| Average earning assets | $43,223,200 | 6,888 |
| Average equity | $8,435,400 | 5,929 |
| Average total loans | $30,907,000 | 6,655 |