Home > Black Mountain Savings Bank, SSB > Performance and Condition Ratios
Black Mountain Savings Bank, SSB, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 3 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2011% | 4,165 |
| Cost of funding earning assets | 2.2207% | 1,379 |
| Net interest margin | 1.9804% | 4,298 |
| Noninterest income to average assets | 0.0700% | 4,241 |
| Noninterest expense to average assets | 2.2865% | 2,879 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | -0.3214% | 4,287 |
| Return on assets (ROA) | -0.3214% | 4,317 |
| Pretax return on assets | -0.3214% | 4,297 |
| Return on Equity (ROE) | -2.6900% | 4,287 |
| Retained earnings to average equity (ytd only) | -2.6926% | 3,965 |
| 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 | 116.3551% | 141 |
| Assets per employee ($millions) | 8.6620% | 1,238 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2183% | 4,353 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,773 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,816 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 65.4300% | 2,345 |
| Net loans and leases to deposits | 76.9621% | 2,318 |
| Net loans and leases to core deposits | 103.4383% | 1,165 |
| Total domestic deposits to total assets | 85.0200% | 2,617 |
| Equity capital to assets | 11.9649% | 1,247 |
| Core capital (leverage) ratio | 12.0582% | 1,439 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $43,560,000 | 4,258 |
| Average earning assets | $41,608,000 | 4,224 |
| Average equity | $5,199,500 | 4,222 |
| Average total loans | $28,523,500 | 4,112 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 2 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4099% | 3,962 |
| Cost of funding earning assets | 2.5657% | 1,027 |
| Net interest margin | 1.8441% | 4,316 |
| Noninterest income to average assets | 0.0800% | 4,282 |
| Noninterest expense to average assets | 2.3110% | 2,838 |
| Loan and lease loss provision to assets | 0.0000% | 3,171 |
| Net operating income to assets | -0.3438% | 4,315 |
| Return on assets (ROA) | -0.3438% | 4,340 |
| Pretax return on assets | -0.4480% | 4,349 |
| Return on Equity (ROE) | -2.9400% | 4,311 |
| Retained earnings to average equity (ytd only) | -2.9378% | 4,207 |
| Net charge-offs to loans | 0.0000% | 3,099 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 124.0476% | 121 |
| Assets per employee ($millions) | 8.7620% | 1,156 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2164% | 4,379 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,770 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,816 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 65.2500% | 2,440 |
| Net loans and leases to deposits | 75.8478% | 2,476 |
| Net loans and leases to core deposits | 105.1656% | 1,171 |
| Total domestic deposits to total assets | 86.0200% | 2,212 |
| Equity capital to assets | 11.9082% | 1,216 |
| Core capital (leverage) ratio | 11.9429% | 1,461 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $45,089,400 | 4,264 |
| Average earning assets | $43,652,000 | 4,226 |
| Average equity | $5,276,000 | 4,221 |
| Average total loans | $29,722,400 | 4,100 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4352% | 3,915 |
| Cost of funding earning assets | 2.6253% | 944 |
| Net interest margin | 1.8098% | 4,348 |
| Noninterest income to average assets | 0.0700% | 4,324 |
| Noninterest expense to average assets | 2.2990% | 2,800 |
| Loan and lease loss provision to assets | 0.0000% | 3,009 |
| Net operating income to assets | -0.4786% | 4,381 |
| Return on assets (ROA) | -0.4786% | 4,405 |
| Pretax return on assets | -0.4786% | 4,395 |
| Return on Equity (ROE) | -4.1100% | 4,363 |
| Retained earnings to average equity (ytd only) | -4.1077% | 4,305 |
| Net charge-offs to loans | 0.0000% | 2,849 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 126.2903% | 114 |
| Assets per employee ($millions) | 8.8420% | 1,117 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2091% | 4,416 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,813 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,861 |
| Noncurrent loans to loans | 0.0000% | 3,830 |
| Net loans and leases to total assets | 66.9400% | 2,211 |
| Net loans and leases to deposits | 76.8242% | 2,453 |
| Net loans and leases to core deposits | 102.5894% | 1,322 |
| Total domestic deposits to total assets | 87.1400% | 1,549 |
| Equity capital to assets | 11.7824% | 1,363 |
| Core capital (leverage) ratio | 11.6878% | 1,626 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $45,409,250 | 4,284 |
| Average earning assets | $43,980,750 | 4,251 |
| Average equity | $5,290,750 | 4,245 |
| Average total loans | $29,991,500 | 4,116 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 2 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4294% | 3,879 |
| Cost of funding earning assets | 2.6495% | 845 |
| Net interest margin | 1.7799% | 4,371 |
| Noninterest income to average assets | 0.0700% | 4,347 |
| Noninterest expense to average assets | 2.2572% | 2,916 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | -0.4628% | 4,397 |
| Return on assets (ROA) | -0.4628% | 4,427 |
| Pretax return on assets | -0.4628% | 4,412 |
| Return on Equity (ROE) | -3.9900% | 4,397 |
| Retained earnings to average equity (ytd only) | -3.9865% | 4,271 |
| Net charge-offs to loans | 0.0000% | 2,619 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 125.7908% | 122 |
| Assets per employee ($millions) | 9.0110% | 1,001 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2080% | 4,434 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,808 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,854 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 66.0200% | 2,346 |
| Net loans and leases to deposits | 75.9724% | 2,544 |
| Net loans and leases to core deposits | 99.5282% | 1,511 |
| Total domestic deposits to total assets | 86.9000% | 1,685 |
| Equity capital to assets | 11.6902% | 1,276 |
| Core capital (leverage) ratio | 11.5679% | 1,680 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $45,809,000 | 4,305 |
| Average earning assets | $44,385,667 | 4,268 |
| Average equity | $5,318,000 | 4,252 |
| Average total loans | $30,103,000 | 4,129 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3964% | 3,845 |
| Cost of funding earning assets | 2.6092% | 828 |
| Net interest margin | 1.7872% | 4,394 |
| Noninterest income to average assets | 0.0800% | 4,292 |
| Noninterest expense to average assets | 2.3124% | 2,758 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | -0.5023% | 4,459 |
| Return on assets (ROA) | -0.5023% | 4,444 |
| Pretax return on assets | -0.5023% | 4,426 |
| Return on Equity (ROE) | -4.3400% | 4,403 |
| Retained earnings to average equity (ytd only) | -4.3417% | 4,099 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 127.7512% | 94 |
| Assets per employee ($millions) | 9.2040% | 951 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2041% | 4,426 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,825 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,894 |
| Noncurrent loans to loans | 0.0000% | 3,844 |
| Net loans and leases to total assets | 65.8800% | 2,246 |
| Net loans and leases to deposits | 75.7395% | 2,447 |
| Net loans and leases to core deposits | 94.4896% | 1,753 |
| Total domestic deposits to total assets | 86.9800% | 1,780 |
| Equity capital to assets | 11.5472% | 1,285 |
| Core capital (leverage) ratio | 11.5274% | 1,639 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $46,186,000 | 4,327 |
| Average earning assets | $44,764,000 | 4,290 |
| Average equity | $5,343,500 | 4,266 |
| Average total loans | $30,250,000 | 4,146 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1801% | 3,660 |
| Cost of funding earning assets | 1.7488% | 1,359 |
| Net interest margin | 2.4314% | 4,158 |
| Noninterest income to average assets | 0.0600% | 4,411 |
| Noninterest expense to average assets | 2.4350% | 2,485 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.0000% | 4,329 |
| Return on assets (ROA) | 0.0000% | 4,354 |
| Pretax return on assets | -0.0155% | 4,364 |
| Return on Equity (ROE) | 0.0000% | 4,344 |
| Retained earnings to average equity (ytd only) | 0.0000% | 4,044 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 100.6404% | 179 |
| Assets per employee ($millions) | 9.2704% | 892 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2058% | 4,446 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 64.8500% | 2,379 |
| Net loans and leases to deposits | 74.6362% | 2,572 |
| Net loans and leases to core deposits | 91.9067% | 1,908 |
| Total domestic deposits to total assets | 86.8900% | 1,718 |
| Equity capital to assets | 11.5917% | 1,257 |
| Core capital (leverage) ratio | 11.7371% | 1,540 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $45,175,400 | 4,355 |
| Average earning assets | $43,802,400 | 4,309 |
| Average equity | $5,379,600 | 4,225 |
| Average total loans | $30,496,800 | 4,130 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0352% | 3,790 |
| Cost of funding earning assets | 1.5105% | 1,571 |
| Net interest margin | 2.5246% | 4,116 |
| Noninterest income to average assets | 0.0500% | 4,454 |
| Noninterest expense to average assets | 2.3817% | 2,576 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.0891% | 4,328 |
| Return on assets (ROA) | 0.0891% | 4,350 |
| Pretax return on assets | 0.1158% | 4,334 |
| Return on Equity (ROE) | 0.7400% | 4,339 |
| Retained earnings to average equity (ytd only) | 0.7412% | 3,999 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 95.3627% | 238 |
| Assets per employee ($millions) | 8.9944% | 935 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1365% | 4,471 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 68.3200% | 2,011 |
| Net loans and leases to deposits | 78.5097% | 2,204 |
| Net loans and leases to core deposits | 98.7434% | 1,398 |
| Total domestic deposits to total assets | 87.0200% | 1,889 |
| Equity capital to assets | 11.9941% | 1,040 |
| Core capital (leverage) ratio | 12.0340% | 1,432 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $44,896,250 | 4,371 |
| Average earning assets | $43,516,500 | 4,328 |
| Average equity | $5,396,250 | 4,236 |
| Average total loans | $30,590,750 | 4,147 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9456% | 3,796 |
| Cost of funding earning assets | 1.2508% | 1,848 |
| Net interest margin | 2.6948% | 3,980 |
| Noninterest income to average assets | 0.0500% | 4,489 |
| Noninterest expense to average assets | 2.3490% | 2,658 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.2407% | 4,243 |
| Return on assets (ROA) | 0.2407% | 4,262 |
| Pretax return on assets | 0.3165% | 4,210 |
| Return on Equity (ROE) | 2.0000% | 4,272 |
| Retained earnings to average equity (ytd only) | 2.0011% | 3,727 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 88.1271% | 420 |
| Assets per employee ($millions) | 8.9436% | 928 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1395% | 4,509 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 67.2500% | 2,040 |
| Net loans and leases to deposits | 78.4336% | 2,097 |
| Net loans and leases to core deposits | 97.1695% | 1,402 |
| Total domestic deposits to total assets | 85.7400% | 2,318 |
| Equity capital to assets | 12.1182% | 1,018 |
| Core capital (leverage) ratio | 12.0414% | 1,351 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $44,871,000 | 4,395 |
| Average earning assets | $43,491,667 | 4,350 |
| Average equity | $5,397,000 | 4,258 |
| Average total loans | $30,532,333 | 4,161 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8159% | 3,828 |
| Cost of funding earning assets | 0.9815% | 2,108 |
| Net interest margin | 2.8344% | 3,894 |
| Noninterest income to average assets | 0.0600% | 4,506 |
| Noninterest expense to average assets | 2.2960% | 2,825 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.3916% | 4,100 |
| Return on assets (ROA) | 0.3916% | 4,049 |
| Pretax return on assets | 0.5162% | 3,971 |
| Return on Equity (ROE) | 3.2700% | 4,148 |
| Retained earnings to average equity (ytd only) | 3.2677% | 3,447 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 81.6456% | 727 |
| Assets per employee ($millions) | 9.0046% | 930 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1373% | 4,569 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 67.8400% | 1,854 |
| Net loans and leases to deposits | 78.9945% | 1,896 |
| Net loans and leases to core deposits | 96.0715% | 1,280 |
| Total domestic deposits to total assets | 85.8800% | 2,630 |
| Equity capital to assets | 12.0139% | 998 |
| Core capital (leverage) ratio | 12.0845% | 1,283 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $44,947,500 | 4,463 |
| Average earning assets | $43,607,000 | 4,420 |
| Average equity | $5,386,000 | 4,317 |
| Average total loans | $30,741,000 | 4,214 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2212% | 3,777 |
| Cost of funding earning assets | 0.4185% | 1,950 |
| Net interest margin | 2.8026% | 3,885 |
| Noninterest income to average assets | 0.0500% | 4,578 |
| Noninterest expense to average assets | 2.5288% | 2,028 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.1837% | 4,458 |
| Return on assets (ROA) | 0.1837% | 4,440 |
| Pretax return on assets | 0.2397% | 4,413 |
| Return on Equity (ROE) | 1.5500% | 4,426 |
| Retained earnings to average equity (ytd only) | 1.5490% | 4,088 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 91.3430% | 272 |
| Assets per employee ($millions) | 8.9744% | 927 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1359% | 4,591 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 68.7600% | 1,764 |
| Net loans and leases to deposits | 79.9575% | 1,772 |
| Net loans and leases to core deposits | 94.3692% | 1,280 |
| Total domestic deposits to total assets | 86.0000% | 2,727 |
| Equity capital to assets | 11.9518% | 949 |
| Core capital (leverage) ratio | 11.8443% | 1,351 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $44,645,600 | 4,491 |
| Average earning assets | $43,245,400 | 4,444 |
| Average equity | $5,293,600 | 4,405 |
| Average total loans | $30,565,400 | 4,232 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0383% | 3,814 |
| Cost of funding earning assets | 0.3489% | 1,716 |
| Net interest margin | 2.6894% | 3,951 |
| Noninterest income to average assets | 0.0400% | 4,631 |
| Noninterest expense to average assets | 2.3951% | 2,352 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.1914% | 4,483 |
| Return on assets (ROA) | 0.1914% | 4,453 |
| Pretax return on assets | 0.2512% | 4,422 |
| Return on Equity (ROE) | 1.6200% | 4,443 |
| Retained earnings to average equity (ytd only) | 1.6173% | 4,114 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 90.5085% | 307 |
| Assets per employee ($millions) | 9.0952% | 864 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1380% | 4,629 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 66.8300% | 1,801 |
| Net loans and leases to deposits | 75.8934% | 1,886 |
| Net loans and leases to core deposits | 93.8861% | 1,103 |
| Total domestic deposits to total assets | 88.0500% | 2,418 |
| Equity capital to assets | 11.6875% | 942 |
| Core capital (leverage) ratio | 11.6947% | 1,366 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $44,589,000 | 4,525 |
| Average earning assets | $43,180,500 | 4,484 |
| Average equity | $5,276,250 | 4,442 |
| Average total loans | $30,482,750 | 4,261 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9238% | 3,730 |
| Cost of funding earning assets | 0.3171% | 1,555 |
| Net interest margin | 2.6067% | 3,894 |
| Noninterest income to average assets | 0.0406% | 4,659 |
| Noninterest expense to average assets | 2.3660% | 2,353 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.1490% | 4,478 |
| Return on assets (ROA) | 0.1490% | 4,441 |
| Pretax return on assets | 0.1987% | 4,413 |
| Return on Equity (ROE) | 1.2540% | 4,431 |
| Retained earnings to average equity (ytd only) | 1.2540% | 3,935 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.2535% | 336 |
| Assets per employee ($millions) | 8.9394% | 905 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1348% | 4,700 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 69.5908% | 1,335 |
| Net loans and leases to deposits | 79.1859% | 1,450 |
| Net loans and leases to core deposits | 97.4620% | 780 |
| Total domestic deposits to total assets | 87.8829% | 2,620 |
| Equity capital to assets | 11.8241% | 933 |
| Core capital (leverage) ratio | 11.8453% | 1,194 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $44,293,333 | 4,575 |
| Average earning assets | $42,888,667 | 4,542 |
| Average equity | $5,263,333 | 4,495 |
| Average total loans | $30,499,667 | 4,304 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6985% | 3,952 |
| Cost of funding earning assets | 0.2998% | 1,662 |
| Net interest margin | 2.3987% | 4,069 |
| Noninterest income to average assets | 0.0363% | 4,692 |
| Noninterest expense to average assets | 2.3224% | 2,414 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.0272% | 4,529 |
| Return on assets (ROA) | 0.0272% | 4,510 |
| Pretax return on assets | 0.0363% | 4,497 |
| Return on Equity (ROE) | 0.2285% | 4,511 |
| Retained earnings to average equity (ytd only) | 0.2285% | 3,976 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.4615% | 270 |
| Assets per employee ($millions) | 8.8834% | 961 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1409% | 4,729 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 67.0194% | 1,308 |
| Net loans and leases to deposits | 76.4164% | 1,407 |
| Net loans and leases to core deposits | 94.3608% | 715 |
| Total domestic deposits to total assets | 87.7029% | 2,661 |
| Equity capital to assets | 11.8288% | 1,012 |
| Core capital (leverage) ratio | 11.8550% | 1,133 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $44,091,500 | 4,595 |
| Average earning assets | $42,690,000 | 4,568 |
| Average equity | $5,252,500 | 4,543 |
| Average total loans | $30,176,000 | 4,322 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0607% | 3,761 |
| Cost of funding earning assets | 0.3585% | 1,867 |
| Net interest margin | 2.7021% | 3,864 |
| Noninterest income to average assets | 0.0304% | 4,754 |
| Noninterest expense to average assets | 2.4995% | 2,184 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.1425% | 4,583 |
| Return on assets (ROA) | 0.1425% | 4,596 |
| Pretax return on assets | 0.1892% | 4,582 |
| Return on Equity (ROE) | 1.1647% | 4,592 |
| Retained earnings to average equity (ytd only) | 1.1647% | 4,212 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.9626% | 249 |
| Assets per employee ($millions) | 7.2943% | 1,730 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1375% | 4,763 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 69.6888% | 1,077 |
| Net loans and leases to deposits | 79.7448% | 1,240 |
| Net loans and leases to core deposits | 95.8969% | 695 |
| Total domestic deposits to total assets | 87.3898% | 2,343 |
| Equity capital to assets | 11.9979% | 1,248 |
| Core capital (leverage) ratio | 11.9624% | 1,101 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $42,808,400 | 4,637 |
| Average earning assets | $42,114,800 | 4,592 |
| Average equity | $5,237,200 | 4,609 |
| Average total loans | $29,084,400 | 4,396 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1263% | 3,751 |
| Cost of funding earning assets | 0.3661% | 1,972 |
| Net interest margin | 2.7602% | 3,867 |
| Noninterest income to average assets | 0.0063% | 4,869 |
| Noninterest expense to average assets | 2.3397% | 2,633 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.2944% | 4,526 |
| Return on assets (ROA) | 0.2944% | 4,548 |
| Pretax return on assets | 0.3821% | 4,512 |
| Return on Equity (ROE) | 2.3947% | 4,538 |
| Retained earnings to average equity (ytd only) | 2.3947% | 4,085 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.9609% | 435 |
| Assets per employee ($millions) | 8.8362% | 945 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1394% | 4,847 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 68.1017% | 1,310 |
| Net loans and leases to deposits | 78.0088% | 1,482 |
| Net loans and leases to core deposits | 97.2746% | 686 |
| Total domestic deposits to total assets | 87.3000% | 2,212 |
| Equity capital to assets | 11.9418% | 1,429 |
| Core capital (leverage) ratio | 11.9983% | 1,170 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $42,569,000 | 4,706 |
| Average earning assets | $41,879,750 | 4,661 |
| Average equity | $5,233,750 | 4,674 |
| Average total loans | $28,720,000 | 4,460 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1719% | 3,723 |
| Cost of funding earning assets | 0.3923% | 1,953 |
| Net interest margin | 2.7797% | 3,831 |
| Noninterest income to average assets | 0.0143% | 4,890 |
| Noninterest expense to average assets | 2.3078% | 2,750 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.3378% | 4,478 |
| Return on assets (ROA) | 0.3378% | 4,503 |
| Pretax return on assets | 0.4378% | 4,467 |
| Return on Equity (ROE) | 2.7205% | 4,520 |
| Retained earnings to average equity (ytd only) | 2.7205% | 3,930 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.0555% | 541 |
| Assets per employee ($millions) | 8.3974% | 1,041 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1436% | 4,880 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 69.5477% | 1,255 |
| Net loans and leases to deposits | 80.9004% | 1,340 |
| Net loans and leases to core deposits | 92.7310% | 963 |
| Total domestic deposits to total assets | 85.9671% | 2,750 |
| Equity capital to assets | 12.5110% | 1,126 |
| Core capital (leverage) ratio | 12.5517% | 909 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $42,031,667 | 4,740 |
| Average earning assets | $41,300,000 | 4,699 |
| Average equity | $5,219,667 | 4,705 |
| Average total loans | $28,250,000 | 4,500 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1777% | 3,726 |
| Cost of funding earning assets | 0.4263% | 1,891 |
| Net interest margin | 2.7514% | 3,864 |
| Noninterest income to average assets | 0.0190% | 4,907 |
| Noninterest expense to average assets | 2.2257% | 3,024 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.3805% | 4,395 |
| Return on assets (ROA) | 0.3805% | 4,422 |
| Pretax return on assets | 0.4946% | 4,360 |
| Return on Equity (ROE) | 3.0751% | 4,458 |
| Retained earnings to average equity (ytd only) | 3.0751% | 3,756 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.8182% | 709 |
| Assets per employee ($millions) | 8.4062% | 1,031 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1498% | 4,912 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 66.6151% | 1,715 |
| Net loans and leases to deposits | 77.3966% | 1,770 |
| Net loans and leases to core deposits | 87.1564% | 1,439 |
| Total domestic deposits to total assets | 86.0698% | 2,708 |
| Equity capital to assets | 12.4265% | 1,107 |
| Core capital (leverage) ratio | 12.3712% | 1,042 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $42,054,000 | 4,760 |
| Average earning assets | $41,288,000 | 4,720 |
| Average equity | $5,203,000 | 4,728 |
| Average total loans | $27,753,500 | 4,535 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6116% | 3,781 |
| Cost of funding earning assets | 0.8270% | 1,102 |
| Net interest margin | 2.7846% | 4,284 |
| Noninterest income to average assets | 0.0173% | 4,923 |
| Noninterest expense to average assets | 2.6122% | 2,508 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.1015% | 4,668 |
| Return on assets (ROA) | 0.1015% | 4,706 |
| Pretax return on assets | 0.1312% | 4,686 |
| Return on Equity (ROE) | 0.7901% | 4,701 |
| Retained earnings to average equity (ytd only) | 0.7901% | 4,294 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.2166% | 245 |
| Assets per employee ($millions) | 8.4154% | 909 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1529% | 4,933 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 65.1757% | 2,206 |
| Net loans and leases to deposits | 75.5669% | 2,323 |
| Net loans and leases to core deposits | 83.7886% | 2,053 |
| Total domestic deposits to total assets | 86.2490% | 2,253 |
| Equity capital to assets | 12.3179% | 1,410 |
| Core capital (leverage) ratio | 12.2051% | 1,161 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $40,387,000 | 4,766 |
| Average earning assets | $39,539,200 | 4,722 |
| Average equity | $5,189,000 | 4,727 |
| Average total loans | $27,780,200 | 4,562 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8063% | 3,550 |
| Cost of funding earning assets | 0.9337% | 954 |
| Net interest margin | 2.8726% | 4,228 |
| Noninterest income to average assets | 0.0234% | 4,946 |
| Noninterest expense to average assets | 2.4221% | 3,077 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.3169% | 4,416 |
| Return on assets (ROA) | 0.3169% | 4,467 |
| Pretax return on assets | 0.4137% | 4,414 |
| Return on Equity (ROE) | 2.4403% | 4,486 |
| Retained earnings to average equity (ytd only) | 2.4403% | 3,764 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.4118% | 536 |
| Assets per employee ($millions) | 7.8012% | 1,075 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1505% | 4,973 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 71.4249% | 1,755 |
| Net loans and leases to deposits | 83.0749% | 2,009 |
| Net loans and leases to core deposits | 92.1510% | 1,782 |
| Total domestic deposits to total assets | 85.9765% | 2,081 |
| Equity capital to assets | 13.4261% | 1,020 |
| Core capital (leverage) ratio | 13.4258% | 855 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $39,964,500 | 4,799 |
| Average earning assets | $39,127,000 | 4,752 |
| Average equity | $5,190,500 | 4,752 |
| Average total loans | $27,858,750 | 4,583 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8993% | 3,619 |
| Cost of funding earning assets | 1.0331% | 892 |
| Net interest margin | 2.8662% | 4,361 |
| Noninterest income to average assets | 0.0199% | 4,975 |
| Noninterest expense to average assets | 2.4029% | 3,257 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.3277% | 4,365 |
| Return on assets (ROA) | 0.3277% | 4,421 |
| Pretax return on assets | 0.4270% | 4,377 |
| Return on Equity (ROE) | 2.5507% | 4,439 |
| Retained earnings to average equity (ytd only) | 2.5507% | 3,565 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.9123% | 587 |
| Assets per employee ($millions) | 7.9636% | 982 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1509% | 5,006 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 69.7825% | 2,063 |
| Net loans and leases to deposits | 81.3169% | 2,274 |
| Net loans and leases to core deposits | 90.7624% | 2,010 |
| Total domestic deposits to total assets | 85.8155% | 2,089 |
| Equity capital to assets | 13.0820% | 1,136 |
| Core capital (leverage) ratio | 13.0807% | 979 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $40,284,000 | 4,817 |
| Average earning assets | $39,494,667 | 4,766 |
| Average equity | $5,175,000 | 4,779 |
| Average total loans | $27,844,333 | 4,601 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8425% | 4,149 |
| Cost of funding earning assets | 1.1207% | 988 |
| Net interest margin | 2.7218% | 4,651 |
| Noninterest income to average assets | 0.0296% | 5,003 |
| Noninterest expense to average assets | 2.3200% | 3,726 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.3060% | 4,332 |
| Return on assets (ROA) | 0.3060% | 4,352 |
| Pretax return on assets | 0.3949% | 4,299 |
| Return on Equity (ROE) | 2.4040% | 4,366 |
| Retained earnings to average equity (ytd only) | 2.4040% | 3,307 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.4545% | 737 |
| Assets per employee ($millions) | 8.0482% | 724 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1504% | 5,041 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 69.3000% | 2,354 |
| Net loans and leases to deposits | 81.5552% | 2,515 |
| Net loans and leases to core deposits | 91.6220% | 2,203 |
| Total domestic deposits to total assets | 84.9730% | 2,421 |
| Equity capital to assets | 12.8550% | 1,521 |
| Core capital (leverage) ratio | 12.7401% | 1,320 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $40,517,000 | 4,845 |
| Average earning assets | $39,974,000 | 4,787 |
| Average equity | $5,158,000 | 4,817 |
| Average total loans | $27,852,500 | 4,637 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0241% | 4,202 |
| Cost of funding earning assets | 1.2914% | 782 |
| Net interest margin | 2.7327% | 4,814 |
| Noninterest income to average assets | 0.0541% | 5,030 |
| Noninterest expense to average assets | 2.5190% | 3,391 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.1696% | 4,871 |
| Return on assets (ROA) | 0.1696% | 4,891 |
| Pretax return on assets | 0.2236% | 4,871 |
| Return on Equity (ROE) | 1.3475% | 4,877 |
| Retained earnings to average equity (ytd only) | 1.3475% | 4,261 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.8459% | 295 |
| Assets per employee ($millions) | 8.1586% | 672 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1512% | 5,100 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 67.9872% | 2,682 |
| Net loans and leases to deposits | 78.9265% | 2,911 |
| Net loans and leases to core deposits | 87.6327% | 2,639 |
| Total domestic deposits to total assets | 86.1398% | 2,013 |
| Equity capital to assets | 12.6076% | 1,765 |
| Core capital (leverage) ratio | 12.5464% | 1,464 |
| Tier 1 risk-based capital ratio | 32.7350% | 393 |
| Total risk-based capital ratio | 33.0024% | 417 |
| Memoranda: | ||
| Average total assets | $40,690,000 | 4,879 |
| Average earning assets | $40,033,600 | 4,842 |
| Average equity | $5,120,600 | 4,869 |
| Average total loans | $28,666,400 | 4,669 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1097% | 4,130 |
| Cost of funding earning assets | 1.2999% | 785 |
| Net interest margin | 2.8098% | 4,851 |
| Noninterest income to average assets | 0.0853% | 5,031 |
| Noninterest expense to average assets | 2.5411% | 3,320 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.2361% | 4,917 |
| Return on assets (ROA) | 0.2361% | 4,929 |
| Pretax return on assets | 0.3082% | 4,900 |
| Return on Equity (ROE) | 1.8768% | 4,912 |
| Retained earnings to average equity (ytd only) | 1.8768% | 4,317 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.1830% | 355 |
| Assets per employee ($millions) | 8.2286% | 635 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1476% | 5,174 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 69.0591% | 2,615 |
| Net loans and leases to deposits | 81.1267% | 2,786 |
| Net loans and leases to core deposits | 91.0644% | 2,456 |
| Total domestic deposits to total assets | 85.1251% | 2,378 |
| Equity capital to assets | 12.5100% | 1,907 |
| Core capital (leverage) ratio | 12.4531% | 1,599 |
| Tier 1 risk-based capital ratio | 31.5709% | 435 |
| Total risk-based capital ratio | 31.8285% | 456 |
| Memoranda: | ||
| Average total assets | $40,664,250 | 4,952 |
| Average earning assets | $40,001,750 | 4,912 |
| Average equity | $5,115,000 | 4,936 |
| Average total loans | $28,889,000 | 4,729 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1579% | 4,029 |
| Cost of funding earning assets | 1.2554% | 855 |
| Net interest margin | 2.9025% | 4,819 |
| Noninterest income to average assets | 0.1037% | 5,020 |
| Noninterest expense to average assets | 2.5330% | 3,375 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.3259% | 4,839 |
| Return on assets (ROA) | 0.3259% | 4,855 |
| Pretax return on assets | 0.4246% | 4,800 |
| Return on Equity (ROE) | 2.5860% | 4,862 |
| Retained earnings to average equity (ytd only) | 2.5860% | 3,899 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.6427% | 565 |
| Assets per employee ($millions) | 8.1806% | 626 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1440% | 5,228 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 71.1855% | 2,346 |
| Net loans and leases to deposits | 83.0609% | 2,597 |
| Net loans and leases to core deposits | 92.1337% | 2,404 |
| Total domestic deposits to total assets | 85.7028% | 2,179 |
| Equity capital to assets | 12.5541% | 1,824 |
| Core capital (leverage) ratio | 12.6947% | 1,443 |
| Tier 1 risk-based capital ratio | 31.5340% | 433 |
| Total risk-based capital ratio | 31.7919% | 457 |
| Memoranda: | ||
| Average total assets | $40,504,670 | 4,998 |
| Average earning assets | $39,827,670 | 4,956 |
| Average equity | $5,104,330 | 4,971 |
| Average total loans | $29,033,670 | 4,762 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1986% | 3,870 |
| Cost of funding earning assets | 1.2212% | 846 |
| Net interest margin | 2.9774% | 4,784 |
| Noninterest income to average assets | 0.1489% | 4,851 |
| Noninterest expense to average assets | 2.5505% | 3,371 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.4069% | 4,716 |
| Return on assets (ROA) | 0.4069% | 4,730 |
| Pretax return on assets | 0.5260% | 4,629 |
| Return on Equity (ROE) | 3.2226% | 4,736 |
| Retained earnings to average equity (ytd only) | 3.2226% | 3,640 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.9032% | 799 |
| Assets per employee ($millions) | 8.0218% | 665 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1444% | 5,291 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 72.4177% | 2,089 |
| Net loans and leases to deposits | 85.5174% | 2,187 |
| Net loans and leases to core deposits | 95.0272% | 2,025 |
| Total domestic deposits to total assets | 84.6817% | 2,786 |
| Equity capital to assets | 12.7378% | 1,605 |
| Core capital (leverage) ratio | 12.7403% | 1,380 |
| Tier 1 risk-based capital ratio | 31.3589% | 431 |
| Total risk-based capital ratio | 31.6167% | 451 |
| Memoranda: | ||
| Average total assets | $40,305,500 | 5,056 |
| Average earning assets | $39,632,500 | 5,010 |
| Average equity | $5,089,000 | 5,017 |
| Average total loans | $28,971,000 | 4,814 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0822% | 3,793 |
| Cost of funding earning assets | 0.9696% | 842 |
| Net interest margin | 3.1126% | 4,630 |
| Noninterest income to average assets | 0.1141% | 5,102 |
| Noninterest expense to average assets | 2.7951% | 2,708 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.2892% | 5,023 |
| Return on assets (ROA) | 0.2892% | 5,019 |
| Pretax return on assets | 0.3805% | 4,954 |
| Return on Equity (ROE) | 2.2705% | 5,010 |
| Retained earnings to average equity (ytd only) | 2.2705% | 4,246 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.0192% | 435 |
| Assets per employee ($millions) | 8.1004% | 641 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1456% | 5,334 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 71.1372% | 2,404 |
| Net loans and leases to deposits | 83.4743% | 2,567 |
| Net loans and leases to core deposits | 90.6494% | 2,517 |
| Total domestic deposits to total assets | 85.2205% | 2,547 |
| Equity capital to assets | 12.5154% | 1,571 |
| Core capital (leverage) ratio | 12.4204% | 1,498 |
| Tier 1 risk-based capital ratio | 31.5924% | 407 |
| Total risk-based capital ratio | 31.8542% | 439 |
| Memoranda: | ||
| Average total assets | $39,425,800 | 5,107 |
| Average earning assets | $38,778,200 | 5,060 |
| Average equity | $5,021,000 | 5,046 |
| Average total loans | $28,660,200 | 4,852 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0714% | 3,727 |
| Cost of funding earning assets | 0.9036% | 905 |
| Net interest margin | 3.1678% | 4,579 |
| Noninterest income to average assets | 0.0681% | 5,301 |
| Noninterest expense to average assets | 2.7615% | 2,770 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.3337% | 5,055 |
| Return on assets (ROA) | 0.3337% | 5,048 |
| Pretax return on assets | 0.4222% | 5,010 |
| Return on Equity (ROE) | 2.6085% | 5,058 |
| Retained earnings to average equity (ytd only) | 2.6085% | 4,367 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.7380% | 480 |
| Assets per employee ($millions) | 8.0850% | 628 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1451% | 5,407 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 71.5152% | 2,406 |
| Net loans and leases to deposits | 84.1263% | 2,587 |
| Net loans and leases to core deposits | 90.0679% | 2,660 |
| Total domestic deposits to total assets | 85.0093% | 2,604 |
| Equity capital to assets | 12.5022% | 1,583 |
| Core capital (leverage) ratio | 12.5093% | 1,498 |
| Tier 1 risk-based capital ratio | 30.6786% | 448 |
| Total risk-based capital ratio | 30.9336% | 487 |
| Memoranda: | ||
| Average total assets | $39,156,750 | 5,171 |
| Average earning assets | $38,511,500 | 5,129 |
| Average equity | $5,009,000 | 5,110 |
| Average total loans | $28,611,750 | 4,906 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1478% | 3,287 |
| Cost of funding earning assets | 0.8506% | 912 |
| Net interest margin | 3.2973% | 4,256 |
| Noninterest income to average assets | 0.0775% | 5,333 |
| Noninterest expense to average assets | 2.7986% | 2,661 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.4182% | 4,924 |
| Return on assets (ROA) | 0.4182% | 4,929 |
| Pretax return on assets | 0.5215% | 4,866 |
| Return on Equity (ROE) | 3.2439% | 4,977 |
| Retained earnings to average equity (ytd only) | 3.2439% | 3,947 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.2924% | 675 |
| Assets per employee ($millions) | 6.6063% | 1,130 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1428% | 5,468 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 74.0703% | 1,937 |
| Net loans and leases to deposits | 87.4773% | 2,164 |
| Net loans and leases to core deposits | 92.8967% | 2,318 |
| Total domestic deposits to total assets | 84.6738% | 2,809 |
| Equity capital to assets | 12.7050% | 1,436 |
| Core capital (leverage) ratio | 12.8795% | 1,284 |
| Tier 1 risk-based capital ratio | 30.5657% | 458 |
| Total risk-based capital ratio | 30.8206% | 486 |
| Memoranda: | ||
| Average total assets | $38,734,000 | 5,240 |
| Average earning assets | $38,092,330 | 5,197 |
| Average equity | $4,994,000 | 5,162 |
| Average total loans | $28,498,330 | 4,960 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0881% | 3,277 |
| Cost of funding earning assets | 0.8176% | 884 |
| Net interest margin | 3.2705% | 4,261 |
| Noninterest income to average assets | 0.0731% | 5,419 |
| Noninterest expense to average assets | 2.8316% | 2,597 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.3657% | 4,990 |
| Return on assets (ROA) | 0.3657% | 4,996 |
| Pretax return on assets | 0.4597% | 4,947 |
| Return on Equity (ROE) | 2.8152% | 5,058 |
| Retained earnings to average equity (ytd only) | 2.8152% | 4,066 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.0317% | 647 |
| Assets per employee ($millions) | 6.4108% | 1,250 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1490% | 5,530 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 73.1678% | 2,002 |
| Net loans and leases to deposits | 86.3604% | 2,114 |
| Net loans and leases to core deposits | 90.1791% | 2,437 |
| Total domestic deposits to total assets | 84.7238% | 3,027 |
| Equity capital to assets | 12.9754% | 1,259 |
| Core capital (leverage) ratio | 13.0415% | 1,170 |
| Tier 1 risk-based capital ratio | 31.8914% | 408 |
| Total risk-based capital ratio | 32.1597% | 439 |
| Memoranda: | ||
| Average total assets | $38,282,000 | 5,303 |
| Average earning assets | $37,670,500 | 5,260 |
| Average equity | $4,973,000 | 5,226 |
| Average total loans | $28,046,500 | 5,020 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9418% | 3,601 |
| Cost of funding earning assets | 0.8024% | 616 |
| Net interest margin | 3.1394% | 4,601 |
| Noninterest income to average assets | 0.1111% | 5,368 |
| Noninterest expense to average assets | 2.8011% | 2,776 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.3095% | 4,912 |
| Return on assets (ROA) | 0.3095% | 4,927 |
| Pretax return on assets | 0.3941% | 5,096 |
| Return on Equity (ROE) | 2.3907% | 4,977 |
| Retained earnings to average equity (ytd only) | 2.3907% | 3,898 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.6656% | 555 |
| Assets per employee ($millions) | 6.3498% | 1,285 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1505% | 5,593 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 73.1384% | 2,071 |
| Net loans and leases to deposits | 85.9182% | 2,273 |
| Net loans and leases to core deposits | 89.2823% | 2,629 |
| Total domestic deposits to total assets | 85.1256% | 2,791 |
| Equity capital to assets | 13.0056% | 1,265 |
| Core capital (leverage) ratio | 13.0367% | 1,130 |
| Tier 1 risk-based capital ratio | 32.4026% | 383 |
| Total risk-based capital ratio | 32.6772% | 404 |
| Memoranda: | ||
| Average total assets | $37,807,200 | 5,365 |
| Average earning assets | $37,140,600 | 5,316 |
| Average equity | $4,894,000 | 5,290 |
| Average total loans | $26,839,400 | 5,100 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9145% | 3,641 |
| Cost of funding earning assets | 0.7959% | 592 |
| Net interest margin | 3.1186% | 4,661 |
| Noninterest income to average assets | 0.0954% | 5,489 |
| Noninterest expense to average assets | 2.7596% | 2,863 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.3109% | 5,199 |
| Return on assets (ROA) | 0.3109% | 5,219 |
| Pretax return on assets | 0.3957% | 5,196 |
| Return on Equity (ROE) | 2.4049% | 5,245 |
| Retained earnings to average equity (ytd only) | 2.4049% | 4,447 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.4580% | 541 |
| Assets per employee ($millions) | 6.3753% | 1,266 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1546% | 5,661 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 70.9244% | 2,420 |
| Net loans and leases to deposits | 83.4333% | 2,618 |
| Net loans and leases to core deposits | 86.5446% | 2,918 |
| Total domestic deposits to total assets | 85.0073% | 2,710 |
| Equity capital to assets | 12.8751% | 1,454 |
| Core capital (leverage) ratio | 12.8108% | 1,284 |
| Tier 1 risk-based capital ratio | 32.9321% | 384 |
| Total risk-based capital ratio | 33.2130% | 413 |
| Memoranda: | ||
| Average total assets | $37,734,250 | 5,424 |
| Average earning assets | $37,024,250 | 5,374 |
| Average equity | $4,878,750 | 5,349 |
| Average total loans | $26,572,500 | 5,161 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9365% | 3,424 |
| Cost of funding earning assets | 0.7938% | 542 |
| Net interest margin | 3.1427% | 4,566 |
| Noninterest income to average assets | 0.0586% | 5,631 |
| Noninterest expense to average assets | 2.7688% | 2,867 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.2929% | 5,244 |
| Return on assets (ROA) | 0.2929% | 5,257 |
| Pretax return on assets | 0.3674% | 5,240 |
| Return on Equity (ROE) | 2.2618% | 5,292 |
| Retained earnings to average equity (ytd only) | 2.2618% | 4,323 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.2852% | 532 |
| Assets per employee ($millions) | 6.4647% | 1,178 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1547% | 5,711 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 69.9031% | 2,541 |
| Net loans and leases to deposits | 82.2633% | 2,675 |
| Net loans and leases to core deposits | 85.9561% | 2,882 |
| Total domestic deposits to total assets | 84.9747% | 2,826 |
| Equity capital to assets | 12.6147% | 1,567 |
| Core capital (leverage) ratio | 12.8019% | 1,255 |
| Tier 1 risk-based capital ratio | 31.9908% | 405 |
| Total risk-based capital ratio | 32.2654% | 430 |
| Memoranda: | ||
| Average total assets | $37,561,670 | 5,471 |
| Average earning assets | $36,784,000 | 5,423 |
| Average equity | $4,863,330 | 5,390 |
| Average total loans | $26,372,670 | 5,208 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8795% | 3,465 |
| Cost of funding earning assets | 0.7981% | 491 |
| Net interest margin | 3.0814% | 4,706 |
| Noninterest income to average assets | 0.0650% | 5,689 |
| Noninterest expense to average assets | 2.7823% | 2,851 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.2382% | 5,331 |
| Return on assets (ROA) | 0.2382% | 5,344 |
| Pretax return on assets | 0.2923% | 5,324 |
| Return on Equity (ROE) | 1.8150% | 5,364 |
| Retained earnings to average equity (ytd only) | 1.8150% | 4,390 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.4930% | 533 |
| Assets per employee ($millions) | 6.2325% | 1,343 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1597% | 5,784 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 70.2313% | 2,336 |
| Net loans and leases to deposits | 81.3827% | 2,584 |
| Net loans and leases to core deposits | 85.1037% | 2,804 |
| Total domestic deposits to total assets | 86.2976% | 2,537 |
| Equity capital to assets | 12.9937% | 1,262 |
| Core capital (leverage) ratio | 13.0819% | 1,111 |
| Tier 1 risk-based capital ratio | 33.9482% | 355 |
| Total risk-based capital ratio | 34.2416% | 369 |
| Memoranda: | ||
| Average total assets | $36,948,500 | 5,545 |
| Average earning assets | $36,087,500 | 5,491 |
| Average equity | $4,848,500 | 5,447 |
| Average total loans | $25,981,000 | 5,275 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8591% | 3,714 |
| Cost of funding earning assets | 0.7295% | 702 |
| Net interest margin | 3.1296% | 4,645 |
| Noninterest income to average assets | 0.1441% | 5,474 |
| Noninterest expense to average assets | 2.7617% | 3,152 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.3044% | 5,212 |
| Return on assets (ROA) | 0.3044% | 5,276 |
| Pretax return on assets | 0.4376% | 5,144 |
| Return on Equity (ROE) | 2.3373% | 5,322 |
| Retained earnings to average equity (ytd only) | 2.3373% | 4,197 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.3212% | 797 |
| Assets per employee ($millions) | 6.0837% | 1,417 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1676% | 5,836 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 70.1715% | 2,436 |
| Net loans and leases to deposits | 81.5187% | 2,724 |
| Net loans and leases to core deposits | 84.3620% | 2,990 |
| Total domestic deposits to total assets | 86.0802% | 2,543 |
| Equity capital to assets | 13.2541% | 1,152 |
| Core capital (leverage) ratio | 13.1496% | 1,081 |
| Tier 1 risk-based capital ratio | 34.5695% | 334 |
| Total risk-based capital ratio | 34.8767% | 351 |
| Memoranda: | ||
| Average total assets | $36,788,400 | 5,600 |
| Average earning assets | $35,915,200 | 5,544 |
| Average equity | $4,791,800 | 5,505 |
| Average total loans | $25,438,200 | 5,334 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8336% | 3,825 |
| Cost of funding earning assets | 0.7179% | 746 |
| Net interest margin | 3.1157% | 4,734 |
| Noninterest income to average assets | 0.1266% | 5,621 |
| Noninterest expense to average assets | 2.6731% | 3,418 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.3509% | 5,165 |
| Return on assets (ROA) | 0.3509% | 5,244 |
| Pretax return on assets | 0.4992% | 5,128 |
| Return on Equity (ROE) | 2.7055% | 5,296 |
| Retained earnings to average equity (ytd only) | 2.7055% | 4,273 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.2645% | 978 |
| Assets per employee ($millions) | 6.1070% | 1,349 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1686% | 5,899 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 69.4831% | 2,572 |
| Net loans and leases to deposits | 81.9387% | 2,743 |
| Net loans and leases to core deposits | 85.6835% | 2,973 |
| Total domestic deposits to total assets | 84.7989% | 2,897 |
| Equity capital to assets | 13.1625% | 1,407 |
| Core capital (leverage) ratio | 12.9801% | 1,196 |
| Tier 1 risk-based capital ratio | 33.7013% | 366 |
| Total risk-based capital ratio | 34.0018% | 386 |
| Memoranda: | ||
| Average total assets | $36,860,000 | 5,657 |
| Average earning assets | $36,031,500 | 5,600 |
| Average equity | $4,780,250 | 5,563 |
| Average total loans | $25,383,500 | 5,390 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8391% | 3,810 |
| Cost of funding earning assets | 0.7046% | 784 |
| Net interest margin | 3.1345% | 4,741 |
| Noninterest income to average assets | 0.1354% | 5,633 |
| Noninterest expense to average assets | 2.6318% | 3,606 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.4224% | 4,967 |
| Return on assets (ROA) | 0.4224% | 5,054 |
| Pretax return on assets | 0.5632% | 4,991 |
| Return on Equity (ROE) | 3.2732% | 5,169 |
| Retained earnings to average equity (ytd only) | 3.2732% | 3,813 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.3729% | 1,229 |
| Assets per employee ($millions) | 6.2590% | 1,225 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1678% | 5,981 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2982% | 4,307 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 68.1339% | 2,757 |
| Net loans and leases to deposits | 81.0100% | 2,816 |
| Net loans and leases to core deposits | 84.6411% | 3,021 |
| Total domestic deposits to total assets | 84.1056% | 3,227 |
| Equity capital to assets | 12.7922% | 1,614 |
| Core capital (leverage) ratio | 12.8787% | 1,198 |
| Tier 1 risk-based capital ratio | 32.5452% | 398 |
| Total risk-based capital ratio | 32.8365% | 425 |
| Memoranda: | ||
| Average total assets | $36,932,670 | 5,723 |
| Average earning assets | $36,050,330 | 5,663 |
| Average equity | $4,766,000 | 5,621 |
| Average total loans | $25,343,670 | 5,448 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7469% | 4,148 |
| Cost of funding earning assets | 0.6935% | 832 |
| Net interest margin | 3.0534% | 4,990 |
| Noninterest income to average assets | 0.1966% | 5,326 |
| Noninterest expense to average assets | 2.5886% | 3,780 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.4478% | 4,841 |
| Return on assets (ROA) | 0.4478% | 4,921 |
| Pretax return on assets | 0.5898% | 4,848 |
| Return on Equity (ROE) | 3.4548% | 5,083 |
| Retained earnings to average equity (ytd only) | 3.4548% | 3,775 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.4433% | 1,427 |
| Assets per employee ($millions) | 6.1618% | 1,293 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1722% | 6,047 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3029% | 4,361 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 67.4177% | 2,749 |
| Net loans and leases to deposits | 78.8516% | 2,912 |
| Net loans and leases to core deposits | 81.6999% | 3,155 |
| Total domestic deposits to total assets | 85.4994% | 2,917 |
| Equity capital to assets | 12.8939% | 1,462 |
| Core capital (leverage) ratio | 13.0008% | 1,159 |
| Tier 1 risk-based capital ratio | 33.5704% | 378 |
| Total risk-based capital ratio | 33.8732% | 399 |
| Memoranda: | ||
| Average total assets | $36,622,000 | 5,784 |
| Average earning assets | $35,763,000 | 5,723 |
| Average equity | $4,747,000 | 5,665 |
| Average total loans | $25,200,500 | 5,504 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7184% | 4,314 |
| Cost of funding earning assets | 0.6862% | 879 |
| Net interest margin | 3.0322% | 5,063 |
| Noninterest income to average assets | 0.0573% | 5,988 |
| Noninterest expense to average assets | 2.6345% | 3,801 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.2648% | 5,448 |
| Return on assets (ROA) | 0.2648% | 5,527 |
| Pretax return on assets | 0.3904% | 5,340 |
| Return on Equity (ROE) | 2.0673% | 5,556 |
| Retained earnings to average equity (ytd only) | 2.0673% | 4,551 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.0939% | 900 |
| Assets per employee ($millions) | 6.0455% | 1,355 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2163% | 6,083 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3088% | 4,362 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 69.9639% | 2,368 |
| Net loans and leases to deposits | 82.2119% | 2,562 |
| Net loans and leases to core deposits | 84.3515% | 2,941 |
| Total domestic deposits to total assets | 85.1019% | 3,044 |
| Equity capital to assets | 13.0317% | 1,333 |
| Core capital (leverage) ratio | 12.9991% | 1,149 |
| Tier 1 risk-based capital ratio | 33.0052% | 396 |
| Total risk-based capital ratio | 33.3892% | 420 |
| Memoranda: | ||
| Average total assets | $36,629,200 | 5,835 |
| Average earning assets | $35,848,400 | 5,765 |
| Average equity | $4,692,000 | 5,722 |
| Average total loans | $24,882,800 | 5,559 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7604% | 4,221 |
| Cost of funding earning assets | 0.6837% | 914 |
| Net interest margin | 3.0767% | 5,017 |
| Noninterest income to average assets | 0.0545% | 6,079 |
| Noninterest expense to average assets | 2.5672% | 3,989 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.3450% | 5,329 |
| Return on assets (ROA) | 0.3450% | 5,419 |
| Pretax return on assets | 0.4938% | 5,232 |
| Return on Equity (ROE) | 2.7045% | 5,479 |
| Retained earnings to average equity (ytd only) | 2.7045% | 4,493 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.8671% | 1,188 |
| Assets per employee ($millions) | 6.1048% | 1,294 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2171% | 6,170 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3058% | 4,547 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 69.0136% | 2,535 |
| Net loans and leases to deposits | 81.7350% | 2,676 |
| Net loans and leases to core deposits | 83.8525% | 3,059 |
| Total domestic deposits to total assets | 84.4358% | 3,244 |
| Equity capital to assets | 12.9023% | 1,503 |
| Core capital (leverage) ratio | 13.0024% | 1,203 |
| Tier 1 risk-based capital ratio | 32.7172% | 422 |
| Total risk-based capital ratio | 33.0980% | 444 |
| Memoranda: | ||
| Average total assets | $36,718,250 | 5,912 |
| Average earning assets | $35,882,000 | 5,846 |
| Average equity | $4,683,250 | 5,802 |
| Average total loans | $24,745,250 | 5,632 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7902% | 4,100 |
| Cost of funding earning assets | 0.6780% | 946 |
| Net interest margin | 3.1121% | 4,941 |
| Noninterest income to average assets | 0.0544% | 6,158 |
| Noninterest expense to average assets | 2.5199% | 4,179 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.4354% | 5,021 |
| Return on assets (ROA) | 0.4354% | 5,117 |
| Pretax return on assets | 0.5823% | 5,017 |
| Return on Equity (ROE) | 3.4269% | 5,264 |
| Retained earnings to average equity (ytd only) | 3.4269% | 3,863 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.2281% | 1,592 |
| Assets per employee ($millions) | 5.9685% | 1,383 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2263% | 6,241 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4133% | 4,254 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 67.7222% | 2,687 |
| Net loans and leases to deposits | 80.2011% | 2,760 |
| Net loans and leases to core deposits | 82.3218% | 3,140 |
| Total domestic deposits to total assets | 84.4405% | 3,374 |
| Equity capital to assets | 13.1524% | 1,323 |
| Core capital (leverage) ratio | 13.0039% | 1,166 |
| Tier 1 risk-based capital ratio | 35.0134% | 361 |
| Total risk-based capital ratio | 35.4222% | 385 |
| Memoranda: | ||
| Average total assets | $36,748,000 | 5,979 |
| Average earning assets | $35,988,000 | 5,905 |
| Average equity | $4,669,000 | 5,861 |
| Average total loans | $24,549,000 | 5,682 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5567% | 4,809 |
| Cost of funding earning assets | 0.6546% | 1,084 |
| Net interest margin | 2.9021% | 5,451 |
| Noninterest income to average assets | 0.0322% | 6,270 |
| Noninterest expense to average assets | 2.3968% | 4,603 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.3762% | 5,157 |
| Return on assets (ROA) | 0.3762% | 5,278 |
| Pretax return on assets | 0.4944% | 5,192 |
| Return on Equity (ROE) | 3.0117% | 5,373 |
| Retained earnings to average equity (ytd only) | 3.0117% | 4,172 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.8996% | 1,509 |
| Assets per employee ($millions) | 6.1152% | 1,318 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2250% | 6,316 |
| Loan loss allowance to noncurrent loans | 37.1622% | 5,370 |
| Noncurrent assets plus other real estate owned to assets | 0.4034% | 4,408 |
| Noncurrent loans to loans | 0.6055% | 3,759 |
| Net loans and leases to total assets | 66.4686% | 2,698 |
| Net loans and leases to deposits | 78.0291% | 2,801 |
| Net loans and leases to core deposits | 80.0184% | 3,165 |
| Total domestic deposits to total assets | 85.1844% | 3,315 |
| Equity capital to assets | 12.7170% | 1,563 |
| Core capital (leverage) ratio | 12.6228% | 1,307 |
| Tier 1 risk-based capital ratio | 34.6914% | 374 |
| Total risk-based capital ratio | 35.1004% | 390 |
| Memoranda: | ||
| Average total assets | $37,216,500 | 6,024 |
| Average earning assets | $36,663,500 | 5,947 |
| Average equity | $4,648,500 | 5,919 |
| Average total loans | $24,670,000 | 5,726 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6282% | 5,007 |
| Cost of funding earning assets | 0.6770% | 1,224 |
| Net interest margin | 2.9512% | 5,550 |
| Noninterest income to average assets | 0.0545% | 6,279 |
| Noninterest expense to average assets | 2.4968% | 4,560 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.2886% | 5,545 |
| Return on assets (ROA) | 0.2886% | 5,614 |
| Pretax return on assets | 0.4656% | 5,340 |
| Return on Equity (ROE) | 2.3109% | 5,686 |
| Retained earnings to average equity (ytd only) | 2.3109% | 4,584 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.2831% | 1,376 |
| Assets per employee ($millions) | 6.2903% | 1,190 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2209% | 6,408 |
| Loan loss allowance to noncurrent loans | 37.1622% | 5,450 |
| Noncurrent assets plus other real estate owned to assets | 0.3921% | 4,516 |
| Noncurrent loans to loans | 0.5944% | 3,888 |
| Net loans and leases to total assets | 65.8206% | 2,915 |
| Net loans and leases to deposits | 78.1933% | 2,955 |
| Net loans and leases to core deposits | 79.4639% | 3,353 |
| Total domestic deposits to total assets | 84.1768% | 3,637 |
| Equity capital to assets | 12.2701% | 1,806 |
| Core capital (leverage) ratio | 12.2675% | 1,465 |
| Tier 1 risk-based capital ratio | 33.5482% | 380 |
| Total risk-based capital ratio | 33.9467% | 398 |
| Memoranda: | ||
| Average total assets | $36,727,600 | 6,110 |
| Average earning assets | $36,188,400 | 6,030 |
| Average equity | $4,587,000 | 5,965 |
| Average total loans | $24,416,200 | 5,801 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6855% | 4,904 |
| Cost of funding earning assets | 0.6785% | 1,266 |
| Net interest margin | 3.0070% | 5,490 |
| Noninterest income to average assets | 0.0365% | 6,414 |
| Noninterest expense to average assets | 2.4675% | 4,625 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.3729% | 5,355 |
| Return on assets (ROA) | 0.3729% | 5,432 |
| Pretax return on assets | 0.5337% | 5,222 |
| Return on Equity (ROE) | 2.9720% | 5,545 |
| Retained earnings to average equity (ytd only) | 2.9720% | 4,486 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.2168% | 1,591 |
| Assets per employee ($millions) | 6.2400% | 1,174 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1847% | 6,499 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 64.9412% | 3,036 |
| Net loans and leases to deposits | 76.8312% | 3,088 |
| Net loans and leases to core deposits | 78.0821% | 3,528 |
| Total domestic deposits to total assets | 84.5246% | 3,537 |
| Equity capital to assets | 12.3558% | 1,797 |
| Core capital (leverage) ratio | 12.3416% | 1,491 |
| Tier 1 risk-based capital ratio | 29.6159% | 549 |
| Total risk-based capital ratio | 29.9040% | 590 |
| Memoranda: | ||
| Average total assets | $36,474,000 | 6,187 |
| Average earning assets | $35,959,500 | 6,112 |
| Average equity | $4,576,000 | 6,026 |
| Average total loans | $24,296,000 | 5,872 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6871% | 4,900 |
| Cost of funding earning assets | 0.6791% | 1,314 |
| Net interest margin | 3.0081% | 5,496 |
| Noninterest income to average assets | 0.0332% | 6,484 |
| Noninterest expense to average assets | 2.5061% | 4,557 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.3762% | 5,307 |
| Return on assets (ROA) | 0.3762% | 5,374 |
| Pretax return on assets | 0.4924% | 5,299 |
| Return on Equity (ROE) | 2.9829% | 5,535 |
| Retained earnings to average equity (ytd only) | 2.9829% | 4,302 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.5793% | 1,563 |
| Assets per employee ($millions) | 6.0962% | 1,223 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1849% | 6,572 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 66.4161% | 2,692 |
| Net loans and leases to deposits | 77.8522% | 2,820 |
| Net loans and leases to core deposits | 79.1354% | 3,308 |
| Total domestic deposits to total assets | 85.3104% | 3,356 |
| Equity capital to assets | 12.5543% | 1,610 |
| Core capital (leverage) ratio | 12.5389% | 1,373 |
| Tier 1 risk-based capital ratio | 29.6622% | 539 |
| Total risk-based capital ratio | 29.9528% | 589 |
| Memoranda: | ||
| Average total assets | $36,152,000 | 6,257 |
| Average earning assets | $35,637,330 | 6,181 |
| Average equity | $4,559,330 | 6,077 |
| Average total loans | $24,275,000 | 5,915 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7258% | 4,754 |
| Cost of funding earning assets | 0.6774% | 1,387 |
| Net interest margin | 3.0484% | 5,391 |
| Noninterest income to average assets | 0.0334% | 6,529 |
| Noninterest expense to average assets | 2.4708% | 4,712 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.4341% | 4,999 |
| Return on assets (ROA) | 0.4341% | 5,058 |
| Pretax return on assets | 0.5676% | 4,943 |
| Return on Equity (ROE) | 3.4339% | 5,306 |
| Retained earnings to average equity (ytd only) | 3.4339% | 4,075 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.3187% | 2,011 |
| Assets per employee ($millions) | 7.3216% | 686 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1841% | 6,643 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 66.6466% | 2,453 |
| Net loans and leases to deposits | 78.1912% | 2,531 |
| Net loans and leases to core deposits | 78.8380% | 3,110 |
| Total domestic deposits to total assets | 85.2355% | 3,755 |
| Equity capital to assets | 12.4618% | 1,600 |
| Core capital (leverage) ratio | 12.4461% | 1,406 |
| Tier 1 risk-based capital ratio | 29.3093% | 559 |
| Total risk-based capital ratio | 29.5985% | 602 |
| Memoranda: | ||
| Average total assets | $35,939,500 | 6,330 |
| Average earning assets | $35,429,000 | 6,242 |
| Average equity | $4,543,000 | 6,124 |
| Average total loans | $24,243,500 | 5,970 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8347% | 4,673 |
| Cost of funding earning assets | 0.7307% | 1,618 |
| Net interest margin | 3.1040% | 5,299 |
| Noninterest income to average assets | 0.2114% | 5,821 |
| Noninterest expense to average assets | 2.6671% | 4,220 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.3755% | 5,241 |
| Return on assets (ROA) | 0.3755% | 5,354 |
| Pretax return on assets | 0.5924% | 4,893 |
| Return on Equity (ROE) | 3.0165% | 5,501 |
| Retained earnings to average equity (ytd only) | 3.0165% | 4,087 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.8259% | 1,899 |
| Assets per employee ($millions) | 7.0542% | 739 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1872% | 6,715 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 68.0417% | 2,353 |
| Net loans and leases to deposits | 78.4666% | 2,663 |
| Net loans and leases to core deposits | 79.1263% | 3,226 |
| Total domestic deposits to total assets | 86.7143% | 2,870 |
| Equity capital to assets | 12.8264% | 1,354 |
| Core capital (leverage) ratio | 12.8173% | 1,215 |
| Tier 1 risk-based capital ratio | 29.8772% | 506 |
| Total risk-based capital ratio | 30.1743% | 551 |
| Memoranda: | ||
| Average total assets | $35,956,000 | 6,394 |
| Average earning assets | $35,309,000 | 6,308 |
| Average equity | $4,475,400 | 6,210 |
| Average total loans | $24,223,400 | 6,022 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0022% | 4,128 |
| Cost of funding earning assets | 0.7410% | 1,660 |
| Net interest margin | 3.2612% | 4,787 |
| Noninterest income to average assets | 0.0590% | 6,604 |
| Noninterest expense to average assets | 2.5096% | 4,690 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.4872% | 4,851 |
| Return on assets (ROA) | 0.4872% | 5,009 |
| Pretax return on assets | 0.7492% | 4,489 |
| Return on Equity (ROE) | 3.9433% | 5,247 |
| Retained earnings to average equity (ytd only) | 3.9433% | 3,882 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.0102% | 2,561 |
| Assets per employee ($millions) | 7.1258% | 695 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1875% | 6,797 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 67.2261% | 2,425 |
| Net loans and leases to deposits | 77.3344% | 2,770 |
| Net loans and leases to core deposits | 78.6214% | 3,282 |
| Total domestic deposits to total assets | 86.9292% | 2,733 |
| Equity capital to assets | 12.6891% | 1,484 |
| Core capital (leverage) ratio | 12.5912% | 1,375 |
| Tier 1 risk-based capital ratio | 29.6576% | 534 |
| Total risk-based capital ratio | 29.9528% | 569 |
| Memoranda: | ||
| Average total assets | $36,127,250 | 6,460 |
| Average earning assets | $35,446,000 | 6,373 |
| Average equity | $4,463,250 | 6,294 |
| Average total loans | $24,268,250 | 6,079 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0602% | 3,879 |
| Cost of funding earning assets | 0.7535% | 1,680 |
| Net interest margin | 3.3066% | 4,551 |
| Noninterest income to average assets | 0.0496% | 6,672 |
| Noninterest expense to average assets | 2.4743% | 4,817 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.5621% | 4,491 |
| Return on assets (ROA) | 0.5621% | 4,659 |
| Pretax return on assets | 0.8156% | 4,250 |
| Return on Equity (ROE) | 4.5905% | 4,959 |
| Retained earnings to average equity (ytd only) | 4.5905% | 3,348 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.2094% | 2,911 |
| Assets per employee ($millions) | 7.1894% | 664 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1858% | 6,842 |
| Loan loss allowance to noncurrent loans | 281.2500% | 1,499 |
| Noncurrent assets plus other real estate owned to assets | 0.0445% | 6,372 |
| Noncurrent loans to loans | 0.0661% | 6,193 |
| Net loans and leases to total assets | 67.2518% | 2,374 |
| Net loans and leases to deposits | 77.2784% | 2,680 |
| Net loans and leases to core deposits | 78.5464% | 3,221 |
| Total domestic deposits to total assets | 87.0253% | 2,805 |
| Equity capital to assets | 12.4934% | 1,575 |
| Core capital (leverage) ratio | 12.3355% | 1,441 |
| Tier 1 risk-based capital ratio | 29.2022% | 561 |
| Total risk-based capital ratio | 29.4948% | 606 |
| Memoranda: | ||
| Average total assets | $36,293,330 | 6,503 |
| Average earning assets | $35,565,000 | 6,418 |
| Average equity | $4,444,000 | 6,344 |
| Average total loans | $24,358,670 | 6,101 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0358% | 3,976 |
| Cost of funding earning assets | 0.7602% | 1,776 |
| Net interest margin | 3.2756% | 4,612 |
| Noninterest income to average assets | 0.0768% | 6,646 |
| Noninterest expense to average assets | 2.3912% | 5,152 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.6801% | 3,781 |
| Return on assets (ROA) | 0.6801% | 3,936 |
| Pretax return on assets | 0.8995% | 3,766 |
| Return on Equity (ROE) | 5.6102% | 4,258 |
| Retained earnings to average equity (ytd only) | 5.6102% | 2,894 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6667% | 3,490 |
| Assets per employee ($millions) | 7.2778% | 678 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1824% | 6,917 |
| Loan loss allowance to noncurrent loans | 281.2500% | 1,396 |
| Noncurrent assets plus other real estate owned to assets | 0.0440% | 6,469 |
| Noncurrent loans to loans | 0.0649% | 6,285 |
| Net loans and leases to total assets | 67.6661% | 2,080 |
| Net loans and leases to deposits | 77.8839% | 2,353 |
| Net loans and leases to core deposits | 79.7894% | 2,833 |
| Total domestic deposits to total assets | 86.8807% | 3,032 |
| Equity capital to assets | 12.2345% | 1,877 |
| Core capital (leverage) ratio | 12.2594% | 1,436 |
| Tier 1 risk-based capital ratio | 28.3766% | 621 |
| Total risk-based capital ratio | 28.6634% | 669 |
| Memoranda: | ||
| Average total assets | $36,466,500 | 6,563 |
| Average earning assets | $35,780,000 | 6,474 |
| Average equity | $4,420,500 | 6,412 |
| Average total loans | $24,428,000 | 6,155 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3141% | 4,144 |
| Cost of funding earning assets | 0.8758% | 2,091 |
| Net interest margin | 3.4383% | 4,753 |
| Noninterest income to average assets | 0.0416% | 6,721 |
| Noninterest expense to average assets | 2.4382% | 5,291 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.6151% | 4,169 |
| Return on assets (ROA) | 0.6151% | 4,430 |
| Pretax return on assets | 0.9753% | 3,637 |
| Return on Equity (ROE) | 5.1787% | 4,603 |
| Retained earnings to average equity (ytd only) | 5.1787% | 2,591 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4286% | 3,530 |
| Assets per employee ($millions) | 7.3088% | 677 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1860% | 6,968 |
| Loan loss allowance to noncurrent loans | 281.2500% | 1,370 |
| Noncurrent assets plus other real estate owned to assets | 0.0438% | 6,531 |
| Noncurrent loans to loans | 0.0661% | 6,323 |
| Net loans and leases to total assets | 66.0656% | 2,514 |
| Net loans and leases to deposits | 75.2681% | 2,909 |
| Net loans and leases to core deposits | 77.0775% | 3,392 |
| Total domestic deposits to total assets | 87.7736% | 2,364 |
| Equity capital to assets | 12.0102% | 2,042 |
| Core capital (leverage) ratio | 12.1019% | 1,512 |
| Tier 1 risk-based capital ratio | 28.3308% | 604 |
| Total risk-based capital ratio | 28.6212% | 653 |
| Memoranda: | ||
| Average total assets | $36,092,800 | 6,606 |
| Average earning assets | $35,395,800 | 6,517 |
| Average equity | $4,286,800 | 6,500 |
| Average total loans | $25,442,000 | 6,165 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3511% | 4,248 |
| Cost of funding earning assets | 0.9027% | 2,153 |
| Net interest margin | 3.4484% | 4,848 |
| Noninterest income to average assets | 0.0926% | 6,643 |
| Noninterest expense to average assets | 2.4643% | 5,199 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.6300% | 4,238 |
| Return on assets (ROA) | 0.6300% | 4,495 |
| Pretax return on assets | 1.0116% | 3,665 |
| Return on Equity (ROE) | 5.3191% | 4,679 |
| Retained earnings to average equity (ytd only) | 5.3191% | 3,142 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8955% | 3,517 |
| Assets per employee ($millions) | 7.2162% | 664 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1810% | 7,083 |
| Loan loss allowance to noncurrent loans | 281.2500% | 1,310 |
| Noncurrent assets plus other real estate owned to assets | 0.0443% | 6,647 |
| Noncurrent loans to loans | 0.0643% | 6,455 |
| Net loans and leases to total assets | 68.7952% | 2,153 |
| Net loans and leases to deposits | 78.6178% | 2,578 |
| Net loans and leases to core deposits | 79.2503% | 3,299 |
| Total domestic deposits to total assets | 87.5059% | 2,344 |
| Equity capital to assets | 12.0174% | 2,242 |
| Core capital (leverage) ratio | 12.0491% | 1,627 |
| Tier 1 risk-based capital ratio | 26.9803% | 746 |
| Total risk-based capital ratio | 27.2603% | 811 |
| Memoranda: | ||
| Average total assets | $35,980,000 | 6,690 |
| Average earning assets | $35,300,500 | 6,600 |
| Average equity | $4,261,250 | 6,582 |
| Average total loans | $25,755,500 | 6,231 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4262% | 4,081 |
| Cost of funding earning assets | 0.9295% | 2,189 |
| Net interest margin | 3.4968% | 4,678 |
| Noninterest income to average assets | 0.0278% | 6,923 |
| Noninterest expense to average assets | 2.4036% | 5,450 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.6955% | 3,893 |
| Return on assets (ROA) | 0.6955% | 4,157 |
| Pretax return on assets | 1.0571% | 3,478 |
| Return on Equity (ROE) | 5.9013% | 4,366 |
| Retained earnings to average equity (ytd only) | 5.9013% | 2,760 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4534% | 3,858 |
| Assets per employee ($millions) | 7.2140% | 659 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1768% | 7,152 |
| Loan loss allowance to noncurrent loans | 281.2500% | 1,265 |
| Noncurrent assets plus other real estate owned to assets | 0.0444% | 6,713 |
| Noncurrent loans to loans | 0.0629% | 6,509 |
| Net loans and leases to total assets | 70.4269% | 1,842 |
| Net loans and leases to deposits | 80.4631% | 2,318 |
| Net loans and leases to core deposits | 81.1105% | 3,069 |
| Total domestic deposits to total assets | 87.5270% | 2,449 |
| Equity capital to assets | 11.8991% | 2,221 |
| Core capital (leverage) ratio | 11.9106% | 1,648 |
| Tier 1 risk-based capital ratio | 30.2147% | 509 |
| Total risk-based capital ratio | 30.5315% | 544 |
| Memoranda: | ||
| Average total assets | $35,946,330 | 6,738 |
| Average earning assets | $35,289,670 | 6,648 |
| Average equity | $4,236,330 | 6,622 |
| Average total loans | $26,051,670 | 6,258 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5029% | 3,900 |
| Cost of funding earning assets | 0.9754% | 2,131 |
| Net interest margin | 3.5275% | 4,575 |
| Noninterest income to average assets | 0.0334% | 6,995 |
| Noninterest expense to average assets | 2.2851% | 5,805 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.9252% | 2,812 |
| Return on assets (ROA) | 0.9252% | 3,017 |
| Pretax return on assets | 1.2150% | 2,859 |
| Return on Equity (ROE) | 7.8888% | 3,333 |
| Retained earnings to average equity (ytd only) | 7.8888% | 2,027 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2866% | 4,687 |
| Assets per employee ($millions) | 7.1532% | 696 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1735% | 7,208 |
| Loan loss allowance to noncurrent loans | 281.2500% | 1,194 |
| Noncurrent assets plus other real estate owned to assets | 0.0447% | 6,798 |
| Noncurrent loans to loans | 0.0617% | 6,599 |
| Net loans and leases to total assets | 72.3956% | 1,327 |
| Net loans and leases to deposits | 82.8841% | 1,809 |
| Net loans and leases to core deposits | 82.8841% | 2,707 |
| Total domestic deposits to total assets | 87.3455% | 2,749 |
| Equity capital to assets | 11.8828% | 2,125 |
| Core capital (leverage) ratio | 11.8675% | 1,666 |
| Tier 1 risk-based capital ratio | 29.2962% | 559 |
| Total risk-based capital ratio | 29.6064% | 602 |
| Memoranda: | ||
| Average total assets | $35,884,500 | 6,797 |
| Average earning assets | $35,266,000 | 6,698 |
| Average equity | $4,208,500 | 6,663 |
| Average total loans | $26,353,500 | 6,286 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8413% | 3,616 |
| Cost of funding earning assets | 1.0952% | 2,701 |
| Net interest margin | 3.7461% | 4,098 |
| Noninterest income to average assets | 0.0224% | 6,929 |
| Noninterest expense to average assets | 2.5163% | 5,413 |
| Loan and lease loss provision to assets | 0.0420% | 6,047 |
| Net operating income to assets | 0.7033% | 3,471 |
| Return on assets (ROA) | 0.7033% | 3,663 |
| Pretax return on assets | 1.1348% | 2,711 |
| Return on Equity (ROE) | 6.2092% | 3,770 |
| Retained earnings to average equity (ytd only) | 6.2092% | 1,908 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1335% | 4,332 |
| Assets per employee ($millions) | 6.0005% | 1,227 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1681% | 7,263 |
| Loan loss allowance to noncurrent loans | 642.8571% | 566 |
| Noncurrent assets plus other real estate owned to assets | 0.0194% | 6,925 |
| Noncurrent loans to loans | 0.0261% | 6,760 |
| Net loans and leases to total assets | 74.2271% | 1,234 |
| Net loans and leases to deposits | 85.0162% | 1,805 |
| Net loans and leases to core deposits | 85.0162% | 2,749 |
| Total domestic deposits to total assets | 87.3094% | 2,576 |
| Equity capital to assets | 11.5740% | 2,451 |
| Core capital (leverage) ratio | 11.4983% | 1,894 |
| Tier 1 risk-based capital ratio | 27.5177% | 659 |
| Total risk-based capital ratio | 27.8148% | 720 |
| Memoranda: | ||
| Average total assets | $35,687,800 | 6,807 |
| Average earning assets | $34,969,600 | 6,714 |
| Average equity | $4,042,400 | 6,741 |
| Average total loans | $26,838,400 | 6,310 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9015% | 3,545 |
| Cost of funding earning assets | 1.1241% | 2,806 |
| Net interest margin | 3.7774% | 3,977 |
| Noninterest income to average assets | 0.0187% | 7,052 |
| Noninterest expense to average assets | 2.5985% | 5,084 |
| Loan and lease loss provision to assets | 0.0562% | 5,739 |
| Net operating income to assets | 0.6553% | 3,845 |
| Return on assets (ROA) | 0.6553% | 4,012 |
| Pretax return on assets | 1.0634% | 3,156 |
| Return on Equity (ROE) | 5.8169% | 4,111 |
| Retained earnings to average equity (ytd only) | 5.8169% | 2,665 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8892% | 3,975 |
| Assets per employee ($millions) | 6.0107% | 1,194 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1721% | 7,338 |
| Loan loss allowance to noncurrent loans | 195.6522% | 1,584 |
| Noncurrent assets plus other real estate owned to assets | 0.0638% | 6,887 |
| Noncurrent loans to loans | 0.0880% | 6,714 |
| Net loans and leases to total assets | 72.3741% | 1,635 |
| Net loans and leases to deposits | 82.1096% | 2,336 |
| Net loans and leases to core deposits | 82.1096% | 3,315 |
| Total domestic deposits to total assets | 88.1433% | 1,962 |
| Equity capital to assets | 11.3437% | 2,820 |
| Core capital (leverage) ratio | 11.4178% | 2,087 |
| Tier 1 risk-based capital ratio | 24.8875% | 926 |
| Total risk-based capital ratio | 25.1612% | 1,004 |
| Memoranda: | ||
| Average total assets | $35,609,000 | 6,869 |
| Average earning assets | $34,873,000 | 6,782 |
| Average equity | $4,011,250 | 6,799 |
| Average total loans | $26,855,750 | 6,366 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9165% | 3,546 |
| Cost of funding earning assets | 1.1528% | 2,882 |
| Net interest margin | 3.7638% | 3,971 |
| Noninterest income to average assets | 0.0113% | 7,163 |
| Noninterest expense to average assets | 2.5552% | 5,338 |
| Loan and lease loss provision to assets | 0.0846% | 5,254 |
| Net operating income to assets | 0.6938% | 3,570 |
| Return on assets (ROA) | 0.6938% | 3,688 |
| Pretax return on assets | 1.0548% | 3,026 |
| Return on Equity (ROE) | 6.1737% | 3,873 |
| Retained earnings to average equity (ytd only) | 6.1737% | 2,315 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1603% | 4,295 |
| Assets per employee ($millions) | 5.9003% | 1,236 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1675% | 7,403 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 75.7726% | 1,110 |
| Net loans and leases to deposits | 85.7385% | 1,825 |
| Net loans and leases to core deposits | 85.7385% | 2,945 |
| Total domestic deposits to total assets | 88.3764% | 1,928 |
| Equity capital to assets | 11.4090% | 2,594 |
| Core capital (leverage) ratio | 11.3618% | 2,003 |
| Tier 1 risk-based capital ratio | 24.1235% | 991 |
| Total risk-based capital ratio | 24.3923% | 1,080 |
| Memoranda: | ||
| Average total assets | $35,457,330 | 6,939 |
| Average earning assets | $34,699,330 | 6,844 |
| Average equity | $3,984,670 | 6,850 |
| Average total loans | $27,092,330 | 6,407 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9751% | 3,220 |
| Cost of funding earning assets | 1.1922% | 2,872 |
| Net interest margin | 3.7829% | 3,690 |
| Noninterest income to average assets | 0.0225% | 7,232 |
| Noninterest expense to average assets | 2.4686% | 5,676 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.9356% | 2,423 |
| Return on assets (ROA) | 0.9356% | 2,484 |
| Pretax return on assets | 1.2738% | 2,126 |
| Return on Equity (ROE) | 8.3891% | 2,742 |
| Retained earnings to average equity (ytd only) | 8.3891% | 1,589 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9639% | 5,042 |
| Assets per employee ($millions) | 5.9068% | 1,263 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1101% | 7,473 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 76.8093% | 899 |
| Net loans and leases to deposits | 86.9074% | 1,601 |
| Net loans and leases to core deposits | 86.9074% | 2,747 |
| Total domestic deposits to total assets | 88.3807% | 2,157 |
| Equity capital to assets | 11.2835% | 2,430 |
| Core capital (leverage) ratio | 11.3097% | 1,949 |
| Tier 1 risk-based capital ratio | 23.7203% | 1,001 |
| Total risk-based capital ratio | 23.8982% | 1,105 |
| Memoranda: | ||
| Average total assets | $35,485,000 | 6,986 |
| Average earning assets | $34,893,500 | 6,888 |
| Average equity | $3,957,500 | 6,894 |
| Average total loans | $27,203,500 | 6,459 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0678% | 4,248 |
| Cost of funding earning assets | 1.5576% | 2,318 |
| Net interest margin | 3.5102% | 5,209 |
| Noninterest income to average assets | 0.0055% | 7,266 |
| Noninterest expense to average assets | 2.6189% | 5,336 |
| Loan and lease loss provision to assets | 0.0194% | 6,918 |
| Net operating income to assets | 0.5021% | 4,086 |
| Return on assets (ROA) | 0.5021% | 4,248 |
| Pretax return on assets | 0.8184% | 3,576 |
| Return on Equity (ROE) | 4.7226% | 4,190 |
| Retained earnings to average equity (ytd only) | 4.7226% | 2,595 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7624% | 3,082 |
| Assets per employee ($millions) | 5.9215% | 1,262 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1105% | 7,553 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 76.3461% | 1,213 |
| Net loans and leases to deposits | 86.2645% | 2,047 |
| Net loans and leases to core deposits | 86.2645% | 3,286 |
| Total domestic deposits to total assets | 88.5024% | 1,945 |
| Equity capital to assets | 11.0220% | 2,662 |
| Core capital (leverage) ratio | 10.9569% | 2,194 |
| Tier 1 risk-based capital ratio | 23.1073% | 1,025 |
| Total risk-based capital ratio | 23.2844% | 1,137 |
| Memoranda: | ||
| Average total assets | $36,045,200 | 7,007 |
| Average earning assets | $35,439,400 | 6,899 |
| Average equity | $3,832,600 | 7,049 |
| Average total loans | $27,809,600 | 6,508 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0500% | 4,589 |
| Cost of funding earning assets | 1.6196% | 2,281 |
| Net interest margin | 3.4304% | 5,568 |
| Noninterest income to average assets | 0.0258% | 7,377 |
| Noninterest expense to average assets | 2.5542% | 5,492 |
| Loan and lease loss provision to assets | 0.0811% | 6,237 |
| Net operating income to assets | 0.4939% | 4,342 |
| Return on assets (ROA) | 0.4939% | 4,538 |
| Pretax return on assets | 0.7629% | 4,041 |
| Return on Equity (ROE) | 4.6871% | 4,459 |
| Retained earnings to average equity (ytd only) | 4.6871% | 3,207 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1627% | 3,113 |
| Assets per employee ($millions) | 6.0447% | 1,211 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1635% | 7,650 |
| Loan loss allowance to noncurrent loans | 27.6074% | 6,478 |
| Noncurrent assets plus other real estate owned to assets | 0.4494% | 6,305 |
| Noncurrent loans to loans | 0.5921% | 6,032 |
| Net loans and leases to total assets | 75.7803% | 1,451 |
| Net loans and leases to deposits | 85.2085% | 2,487 |
| Net loans and leases to core deposits | 85.8794% | 3,673 |
| Total domestic deposits to total assets | 88.9351% | 1,424 |
| Equity capital to assets | 10.6678% | 3,329 |
| Core capital (leverage) ratio | 10.6849% | 2,521 |
| Tier 1 risk-based capital ratio | 21.4658% | 1,292 |
| Total risk-based capital ratio | 21.7155% | 1,436 |
| Memoranda: | ||
| Average total assets | $36,174,250 | 7,088 |
| Average earning assets | $35,563,250 | 6,971 |
| Average equity | $3,811,750 | 7,143 |
| Average total loans | $27,973,250 | 6,591 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1451% | 4,216 |
| Cost of funding earning assets | 1.6719% | 2,279 |
| Net interest margin | 3.4733% | 5,353 |
| Noninterest income to average assets | 0.0277% | 7,440 |
| Noninterest expense to average assets | 2.5399% | 5,568 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.6087% | 3,846 |
| Return on assets (ROA) | 0.6087% | 3,979 |
| Pretax return on assets | 0.9020% | 3,483 |
| Return on Equity (ROE) | 5.8007% | 3,894 |
| Retained earnings to average equity (ytd only) | 5.8007% | 2,444 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7942% | 3,511 |
| Assets per employee ($millions) | 6.0327% | 1,203 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0820% | 7,742 |
| Loan loss allowance to noncurrent loans | 14.1104% | 7,167 |
| Noncurrent assets plus other real estate owned to assets | 0.4503% | 6,326 |
| Noncurrent loans to loans | 0.5814% | 6,087 |
| Net loans and leases to total assets | 77.3953% | 1,213 |
| Net loans and leases to deposits | 86.9541% | 2,348 |
| Net loans and leases to core deposits | 86.9541% | 3,705 |
| Total domestic deposits to total assets | 89.0071% | 1,435 |
| Equity capital to assets | 10.6227% | 3,256 |
| Core capital (leverage) ratio | 10.7246% | 2,452 |
| Tier 1 risk-based capital ratio | 21.3992% | 1,285 |
| Total risk-based capital ratio | 21.5272% | 1,437 |
| Memoranda: | ||
| Average total assets | $36,143,000 | 7,139 |
| Average earning assets | $35,528,670 | 7,022 |
| Average equity | $3,792,670 | 7,182 |
| Average total loans | $28,121,330 | 6,624 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1809% | 4,124 |
| Cost of funding earning assets | 1.7683% | 2,022 |
| Net interest margin | 3.4126% | 5,530 |
| Noninterest income to average assets | 0.0222% | 7,591 |
| Noninterest expense to average assets | 2.4587% | 5,875 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.6977% | 3,450 |
| Return on assets (ROA) | 0.6977% | 3,564 |
| Pretax return on assets | 0.9192% | 3,393 |
| Return on Equity (ROE) | 6.6906% | 3,523 |
| Retained earnings to average equity (ytd only) | 6.6906% | 2,283 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7869% | 3,799 |
| Assets per employee ($millions) | 6.0135% | 1,245 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0814% | 7,846 |
| Loan loss allowance to noncurrent loans | 14.1104% | 7,232 |
| Noncurrent assets plus other real estate owned to assets | 0.4518% | 6,336 |
| Noncurrent loans to loans | 0.5771% | 6,151 |
| Net loans and leases to total assets | 78.2240% | 1,106 |
| Net loans and leases to deposits | 87.8513% | 2,247 |
| Net loans and leases to core deposits | 87.8513% | 3,641 |
| Total domestic deposits to total assets | 89.0413% | 1,496 |
| Equity capital to assets | 10.5263% | 3,223 |
| Core capital (leverage) ratio | 10.4582% | 2,658 |
| Tier 1 risk-based capital ratio | 21.2416% | 1,304 |
| Total risk-based capital ratio | 21.3702% | 1,470 |
| Memoranda: | ||
| Average total assets | $36,116,500 | 7,229 |
| Average earning assets | $35,515,000 | 7,105 |
| Average equity | $3,766,500 | 7,263 |
| Average total loans | $28,163,500 | 6,707 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2872% | 5,246 |
| Cost of funding earning assets | 2.3660% | 1,403 |
| Net interest margin | 2.9212% | 6,819 |
| Noninterest income to average assets | 0.2491% | 6,322 |
| Noninterest expense to average assets | 2.5027% | 6,120 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.4095% | 4,091 |
| Return on assets (ROA) | 0.4095% | 4,200 |
| Pretax return on assets | 0.6243% | 3,831 |
| Return on Equity (ROE) | 3.8812% | 4,136 |
| Retained earnings to average equity (ytd only) | 3.8812% | 2,496 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.0366% | 2,885 |
| Assets per employee ($millions) | 6.0253% | 1,227 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0819% | 7,918 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 77.6084% | 1,466 |
| Net loans and leases to deposits | 86.9931% | 2,740 |
| Net loans and leases to core deposits | 133.9108% | 1,056 |
| Total domestic deposits to total assets | 89.2122% | 1,380 |
| Equity capital to assets | 10.3314% | 3,365 |
| Core capital (leverage) ratio | 10.3534% | 2,734 |
| Tier 1 risk-based capital ratio | 20.6719% | 1,349 |
| Total risk-based capital ratio | 20.7992% | 1,510 |
| Memoranda: | ||
| Average total assets | $34,921,600 | 7,284 |
| Average earning assets | $34,403,800 | 7,169 |
| Average equity | $3,684,400 | 7,395 |
| Average total loans | $28,254,800 | 6,730 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6197% | 3,743 |
| Cost of funding earning assets | 2.4890% | 1,337 |
| Net interest margin | 3.1308% | 6,229 |
| Noninterest income to average assets | 0.0154% | 7,786 |
| Noninterest expense to average assets | 2.3458% | 6,570 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.5431% | 3,817 |
| Return on assets (ROA) | 0.5431% | 3,901 |
| Pretax return on assets | 0.7511% | 3,696 |
| Return on Equity (ROE) | 5.1202% | 3,913 |
| Retained earnings to average equity (ytd only) | 5.1202% | 2,417 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7463% | 3,557 |
| Assets per employee ($millions) | 5.9435% | 1,251 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0818% | 8,009 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 78.7415% | 1,439 |
| Net loans and leases to deposits | 88.4716% | 2,871 |
| Net loans and leases to core deposits | 133.8928% | 1,216 |
| Total domestic deposits to total assets | 89.0020% | 1,194 |
| Equity capital to assets | 10.4680% | 3,550 |
| Core capital (leverage) ratio | 10.5443% | 2,757 |
| Tier 1 risk-based capital ratio | 21.3913% | 1,310 |
| Total risk-based capital ratio | 21.5231% | 1,460 |
| Memoranda: | ||
| Average total assets | $34,614,000 | 7,357 |
| Average earning assets | $34,069,750 | 7,242 |
| Average equity | $3,671,750 | 7,455 |
| Average total loans | $28,298,500 | 6,778 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7078% | 3,490 |
| Cost of funding earning assets | 2.5961% | 1,297 |
| Net interest margin | 3.1117% | 6,196 |
| Noninterest income to average assets | 0.0175% | 7,881 |
| Noninterest expense to average assets | 2.2414% | 6,944 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.6421% | 3,495 |
| Return on assets (ROA) | 0.6421% | 3,600 |
| Pretax return on assets | 0.8405% | 3,540 |
| Return on Equity (ROE) | 6.0252% | 3,635 |
| Retained earnings to average equity (ytd only) | 6.0252% | 2,013 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7273% | 4,264 |
| Assets per employee ($millions) | 5.8945% | 1,273 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0802% | 8,103 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 81.0416% | 1,129 |
| Net loans and leases to deposits | 91.0859% | 2,634 |
| Net loans and leases to core deposits | 136.0129% | 1,208 |
| Total domestic deposits to total assets | 88.9728% | 1,282 |
| Equity capital to assets | 10.4674% | 3,444 |
| Core capital (leverage) ratio | 10.5090% | 2,804 |
| Tier 1 risk-based capital ratio | 20.9365% | 1,412 |
| Total risk-based capital ratio | 21.0666% | 1,569 |
| Memoranda: | ||
| Average total assets | $34,265,000 | 7,436 |
| Average earning assets | $33,743,330 | 7,330 |
| Average equity | $3,651,330 | 7,521 |
| Average total loans | $28,363,670 | 6,827 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8782% | 2,902 |
| Cost of funding earning assets | 2.6326% | 1,477 |
| Net interest margin | 3.2456% | 5,702 |
| Noninterest income to average assets | 0.0237% | 7,960 |
| Noninterest expense to average assets | 2.2543% | 6,679 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.8068% | 3,101 |
| Return on assets (ROA) | 0.8068% | 3,260 |
| Pretax return on assets | 0.9729% | 3,453 |
| Return on Equity (ROE) | 7.5014% | 3,383 |
| Retained earnings to average equity (ytd only) | 7.5014% | 2,022 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8529% | 4,614 |
| Assets per employee ($millions) | 5.8360% | 1,295 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0800% | 8,158 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 82.0082% | 1,022 |
| Net loans and leases to deposits | 92.1389% | 2,569 |
| Net loans and leases to core deposits | 135.8566% | 1,315 |
| Total domestic deposits to total assets | 89.0050% | 1,225 |
| Equity capital to assets | 10.4524% | 3,507 |
| Core capital (leverage) ratio | 10.9719% | 2,519 |
| Tier 1 risk-based capital ratio | 20.7990% | 1,478 |
| Total risk-based capital ratio | 20.9297% | 1,630 |
| Memoranda: | ||
| Average total assets | $33,714,000 | 7,504 |
| Average earning assets | $33,275,500 | 7,397 |
| Average equity | $3,626,000 | 7,583 |
| Average total loans | $28,203,000 | 6,868 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0801% | 5,143 |
| Cost of funding earning assets | 3.1928% | 1,212 |
| Net interest margin | 2.8874% | 7,177 |
| Noninterest income to average assets | 0.0373% | 7,950 |
| Noninterest expense to average assets | 2.4647% | 6,150 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.3046% | 5,525 |
| Return on assets (ROA) | 0.3046% | 5,346 |
| Pretax return on assets | 0.4227% | 5,198 |
| Return on Equity (ROE) | 2.7648% | 5,316 |
| Retained earnings to average equity (ytd only) | 2.7648% | 3,460 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.3606% | 1,915 |
| Assets per employee ($millions) | 5.4020% | 1,534 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0831% | 8,214 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 85.2894% | 689 |
| Net loans and leases to deposits | 96.3810% | 2,386 |
| Net loans and leases to core deposits | 138.3376% | 1,356 |
| Total domestic deposits to total assets | 88.4919% | 1,251 |
| Equity capital to assets | 11.0823% | 2,970 |
| Core capital (leverage) ratio | 10.9924% | 2,595 |
| Tier 1 risk-based capital ratio | 21.6412% | 1,364 |
| Total risk-based capital ratio | 21.7797% | 1,494 |
| Memoranda: | ||
| Average total assets | $32,174,800 | 7,551 |
| Average earning assets | $31,759,200 | 7,419 |
| Average equity | $3,544,600 | 7,661 |
| Average total loans | $26,693,000 | 6,921 |