Home > Brazos National Bank > Performance and Condition Ratios
Brazos National Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3655% | 225 |
| Cost of funding earning assets | 0.0328% | 4,386 |
| Net interest margin | 7.3327% | 32 |
| Noninterest income to average assets | 10.2100% | 99 |
| Noninterest expense to average assets | 14.3142% | 89 |
| Loan and lease loss provision to assets | -0.0700% | 4,307 |
| Net operating income to assets | 2.0159% | 449 |
| Return on assets (ROA) | 2.0159% | 449 |
| Pretax return on assets | 2.0159% | 672 |
| Return on Equity (ROE) | 3.8200% | 3,744 |
| Retained earnings to average equity (ytd only) | 3.8241% | 2,895 |
| 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 | 88.0200% | 572 |
| Assets per employee ($millions) | 1.2225% | 4,362 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1541% | 2,444 |
| 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 | 66.4100% | 2,245 |
| Net loans and leases to deposits | 207.4612% | 15 |
| Net loans and leases to core deposits | 207.4612% | 39 |
| Total domestic deposits to total assets | 32.0100% | 4,349 |
| Equity capital to assets | 51.2384% | 130 |
| Core capital (leverage) ratio | 54.3918% | 84 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 86.5348% | 74 |
| Memoranda: | ||
| Average total assets | $29,565,000 | 4,341 |
| Average earning assets | $24,384,000 | 4,333 |
| Average equity | $15,585,500 | 3,322 |
| Average total loans | $20,026,500 | 4,204 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.0534% | 154 |
| Cost of funding earning assets | 0.0366% | 4,402 |
| Net interest margin | 8.0169% | 26 |
| Noninterest income to average assets | 9.3900% | 108 |
| Noninterest expense to average assets | 14.5125% | 87 |
| Loan and lease loss provision to assets | 0.0200% | 2,766 |
| Net operating income to assets | 1.4369% | 1,009 |
| Return on assets (ROA) | 1.4369% | 1,004 |
| Pretax return on assets | 1.4369% | 1,419 |
| Return on Equity (ROE) | 2.8200% | 3,888 |
| Retained earnings to average equity (ytd only) | 2.8222% | 3,105 |
| Net charge-offs to loans | 0.0000% | 3,099 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 90.8768% | 472 |
| Assets per employee ($millions) | 1.1427% | 4,385 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2399% | 1,967 |
| Loan loss allowance to noncurrent loans | 93.4363% | 3,038 |
| Noncurrent assets plus other real estate owned to assets | 0.9066% | 769 |
| Noncurrent loans to loans | 1.3270% | 747 |
| Net loans and leases to total assets | 67.4800% | 2,202 |
| Net loans and leases to deposits | 176.5201% | 15 |
| Net loans and leases to core deposits | 176.5201% | 81 |
| Total domestic deposits to total assets | 38.2300% | 4,365 |
| Equity capital to assets | 54.2969% | 128 |
| Core capital (leverage) ratio | 49.2338% | 86 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 86.9925% | 75 |
| Memoranda: | ||
| Average total assets | $29,994,800 | 4,359 |
| Average earning assets | $24,623,000 | 4,350 |
| Average equity | $15,271,800 | 3,324 |
| Average total loans | $21,057,800 | 4,203 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.9902% | 160 |
| Cost of funding earning assets | 0.0428% | 4,440 |
| Net interest margin | 7.9474% | 24 |
| Noninterest income to average assets | 9.4400% | 97 |
| Noninterest expense to average assets | 14.4392% | 83 |
| Loan and lease loss provision to assets | 0.0000% | 3,009 |
| Net operating income to assets | 1.5287% | 904 |
| Return on assets (ROA) | 1.5287% | 901 |
| Pretax return on assets | 1.5287% | 1,265 |
| Return on Equity (ROE) | 3.0500% | 3,880 |
| Retained earnings to average equity (ytd only) | 3.0501% | 3,158 |
| Net charge-offs to loans | 0.0000% | 2,849 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 90.4513% | 516 |
| Assets per employee ($millions) | 1.1111% | 4,418 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1554% | 2,457 |
| Loan loss allowance to noncurrent loans | 21.9012% | 3,770 |
| Noncurrent assets plus other real estate owned to assets | 3.5768% | 61 |
| Noncurrent loans to loans | 5.2756% | 65 |
| Net loans and leases to total assets | 67.0200% | 2,200 |
| Net loans and leases to deposits | 175.7957% | 16 |
| Net loans and leases to core deposits | 175.7957% | 79 |
| Total domestic deposits to total assets | 38.1200% | 4,400 |
| Equity capital to assets | 51.4317% | 124 |
| Core capital (leverage) ratio | 46.8881% | 86 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 83.0055% | 74 |
| Memoranda: | ||
| Average total assets | $30,351,750 | 4,386 |
| Average earning assets | $24,930,000 | 4,383 |
| Average equity | $15,212,000 | 3,328 |
| Average total loans | $21,442,750 | 4,225 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.8868% | 169 |
| Cost of funding earning assets | 0.0480% | 4,451 |
| Net interest margin | 7.8388% | 26 |
| Noninterest income to average assets | 8.5400% | 104 |
| Noninterest expense to average assets | 13.8762% | 88 |
| Loan and lease loss provision to assets | 0.1800% | 618 |
| Net operating income to assets | 0.9124% | 2,272 |
| Return on assets (ROA) | 0.9124% | 2,276 |
| Pretax return on assets | 0.9124% | 2,734 |
| Return on Equity (ROE) | 1.8400% | 4,040 |
| Retained earnings to average equity (ytd only) | 1.8362% | 3,397 |
| Net charge-offs to loans | 0.0000% | 2,619 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 92.7193% | 468 |
| Assets per employee ($millions) | 1.1894% | 4,433 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2266% | 2,103 |
| Loan loss allowance to noncurrent loans | 35.1135% | 3,682 |
| Noncurrent assets plus other real estate owned to assets | 2.3322% | 126 |
| Noncurrent loans to loans | 3.4933% | 135 |
| Net loans and leases to total assets | 65.9400% | 2,360 |
| Net loans and leases to deposits | 179.6573% | 17 |
| Net loans and leases to core deposits | 179.6573% | 70 |
| Total domestic deposits to total assets | 36.7100% | 4,419 |
| Equity capital to assets | 47.3891% | 131 |
| Core capital (leverage) ratio | 47.4506% | 85 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 77.6469% | 74 |
| Memoranda: | ||
| Average total assets | $30,469,333 | 4,406 |
| Average earning assets | $24,978,333 | 4,401 |
| Average equity | $15,139,667 | 3,305 |
| Average total loans | $21,810,667 | 4,239 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.0708% | 159 |
| Cost of funding earning assets | 0.0663% | 4,474 |
| Net interest margin | 8.0045% | 27 |
| Noninterest income to average assets | 7.8300% | 101 |
| Noninterest expense to average assets | 13.8836% | 91 |
| Loan and lease loss provision to assets | -0.0800% | 4,415 |
| Net operating income to assets | 0.5397% | 3,304 |
| Return on assets (ROA) | 0.5397% | 3,328 |
| Pretax return on assets | 0.5397% | 3,505 |
| Return on Equity (ROE) | 1.0600% | 4,146 |
| Retained earnings to average equity (ytd only) | 1.0596% | 3,492 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 96.8015% | 367 |
| Assets per employee ($millions) | 1.0616% | 4,468 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0399% | 3,106 |
| Loan loss allowance to noncurrent loans | 136.0947% | 2,836 |
| Noncurrent assets plus other real estate owned to assets | 0.5490% | 1,164 |
| Noncurrent loans to loans | 0.7641% | 1,169 |
| Net loans and leases to total assets | 71.1000% | 1,671 |
| Net loans and leases to deposits | 174.1012% | 8 |
| Net loans and leases to core deposits | 174.1012% | 118 |
| Total domestic deposits to total assets | 40.8400% | 4,469 |
| Equity capital to assets | 49.1148% | 127 |
| Core capital (leverage) ratio | 49.5740% | 85 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 79.3229% | 75 |
| Memoranda: | ||
| Average total assets | $29,646,500 | 4,446 |
| Average earning assets | $24,136,500 | 4,435 |
| Average equity | $15,100,000 | 3,320 |
| Average total loans | $21,995,500 | 4,263 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9771% | 227 |
| Cost of funding earning assets | 0.0564% | 4,497 |
| Net interest margin | 6.9207% | 59 |
| Noninterest income to average assets | 10.1700% | 92 |
| Noninterest expense to average assets | 14.6829% | 88 |
| Loan and lease loss provision to assets | 0.3500% | 287 |
| Net operating income to assets | 0.7177% | 3,138 |
| Return on assets (ROA) | 0.7177% | 3,118 |
| Pretax return on assets | 0.7177% | 3,399 |
| Return on Equity (ROE) | 1.3700% | 4,226 |
| Retained earnings to average equity (ytd only) | 1.3734% | 3,744 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 93.2000% | 324 |
| Assets per employee ($millions) | 0.9830% | 4,491 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0790% | 2,941 |
| Loan loss allowance to noncurrent loans | 74.9206% | 3,433 |
| Noncurrent assets plus other real estate owned to assets | 1.1050% | 419 |
| Noncurrent loans to loans | 1.4401% | 482 |
| Net loans and leases to total assets | 75.9000% | 1,131 |
| Net loans and leases to deposits | 162.6720% | 9 |
| Net loans and leases to core deposits | 162.6720% | 143 |
| Total domestic deposits to total assets | 46.6600% | 4,476 |
| Equity capital to assets | 52.8974% | 127 |
| Core capital (leverage) ratio | 51.0492% | 82 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 79.6968% | 72 |
| Memoranda: | ||
| Average total assets | $28,563,800 | 4,476 |
| Average earning assets | $23,061,200 | 4,465 |
| Average equity | $14,926,600 | 3,273 |
| Average total loans | $17,698,200 | 4,325 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6651% | 260 |
| Cost of funding earning assets | 0.0578% | 4,521 |
| Net interest margin | 6.6074% | 66 |
| Noninterest income to average assets | 10.9000% | 88 |
| Noninterest expense to average assets | 15.0510% | 86 |
| Loan and lease loss provision to assets | 0.2300% | 452 |
| Net operating income to assets | 0.9564% | 2,494 |
| Return on assets (ROA) | 0.9564% | 2,483 |
| Pretax return on assets | 0.9564% | 2,964 |
| Return on Equity (ROE) | 1.8400% | 4,217 |
| Retained earnings to average equity (ytd only) | 1.8359% | 3,757 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 92.7011% | 301 |
| Assets per employee ($millions) | 1.0649% | 4,517 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1268% | 2,738 |
| Loan loss allowance to noncurrent loans | 101.0989% | 3,198 |
| Noncurrent assets plus other real estate owned to assets | 0.6330% | 918 |
| Noncurrent loans to loans | 1.1146% | 704 |
| Net loans and leases to total assets | 56.1500% | 3,190 |
| Net loans and leases to deposits | 119.0283% | 84 |
| Net loans and leases to core deposits | 119.0283% | 577 |
| Total domestic deposits to total assets | 47.1800% | 4,506 |
| Equity capital to assets | 52.4503% | 130 |
| Core capital (leverage) ratio | 50.2737% | 83 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 87.7639% | 70 |
| Memoranda: | ||
| Average total assets | $28,577,750 | 4,497 |
| Average earning assets | $23,084,750 | 4,492 |
| Average equity | $14,888,250 | 3,272 |
| Average total loans | $16,654,500 | 4,353 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3337% | 303 |
| Cost of funding earning assets | 0.0608% | 4,543 |
| Net interest margin | 6.2729% | 89 |
| Noninterest income to average assets | 10.4600% | 90 |
| Noninterest expense to average assets | 14.9719% | 83 |
| Loan and lease loss provision to assets | -0.0800% | 4,546 |
| Net operating income to assets | 0.6381% | 3,490 |
| Return on assets (ROA) | 0.6381% | 3,501 |
| Pretax return on assets | 0.6381% | 3,727 |
| Return on Equity (ROE) | 1.2300% | 4,351 |
| Retained earnings to average equity (ytd only) | 1.2277% | 3,869 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 96.4318% | 213 |
| Assets per employee ($millions) | 1.0677% | 4,546 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6562% | 4,237 |
| Loan loss allowance to noncurrent loans | 16.9421% | 3,811 |
| Noncurrent assets plus other real estate owned to assets | 2.5185% | 97 |
| Noncurrent loans to loans | 3.8730% | 91 |
| Net loans and leases to total assets | 64.6000% | 2,320 |
| Net loans and leases to deposits | 134.9518% | 38 |
| Net loans and leases to core deposits | 134.9518% | 263 |
| Total domestic deposits to total assets | 47.8700% | 4,528 |
| Equity capital to assets | 51.9166% | 126 |
| Core capital (leverage) ratio | 51.0448% | 81 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 83.6508% | 67 |
| Memoranda: | ||
| Average total assets | $28,520,000 | 4,521 |
| Average earning assets | $23,019,667 | 4,520 |
| Average equity | $14,824,333 | 3,290 |
| Average total loans | $16,763,000 | 4,375 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0713% | 290 |
| Cost of funding earning assets | 0.0525% | 4,575 |
| Net interest margin | 6.0189% | 99 |
| Noninterest income to average assets | 8.6400% | 97 |
| Noninterest expense to average assets | 14.0588% | 90 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | -0.5640% | 4,593 |
| Return on assets (ROA) | -0.5640% | 4,582 |
| Pretax return on assets | -0.5640% | 4,572 |
| Return on Equity (ROE) | -1.0800% | 4,486 |
| Retained earnings to average equity (ytd only) | -1.0845% | 4,134 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 104.1797% | 137 |
| Assets per employee ($millions) | 0.9518% | 4,614 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8958% | 3,868 |
| 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 | 54.1100% | 3,195 |
| Net loans and leases to deposits | 118.0245% | 99 |
| Net loans and leases to core deposits | 118.0245% | 490 |
| Total domestic deposits to total assets | 45.8500% | 4,586 |
| Equity capital to assets | 53.7481% | 79 |
| Core capital (leverage) ratio | 50.7224% | 86 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 91.6461% | 65 |
| Memoranda: | ||
| Average total assets | $28,366,500 | 4,583 |
| Average earning assets | $22,861,500 | 4,585 |
| Average equity | $14,753,500 | 3,328 |
| Average total loans | $15,772,000 | 4,446 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6503% | 560 |
| Cost of funding earning assets | 0.0634% | 4,529 |
| Net interest margin | 4.5869% | 251 |
| Noninterest income to average assets | 13.1900% | 86 |
| Noninterest expense to average assets | 17.0189% | 75 |
| Loan and lease loss provision to assets | 0.0300% | 2,326 |
| Net operating income to assets | -0.1305% | 4,599 |
| Return on assets (ROA) | -0.1305% | 4,587 |
| Pretax return on assets | -0.1305% | 4,576 |
| Return on Equity (ROE) | -0.2600% | 4,553 |
| Retained earnings to average equity (ytd only) | -0.2582% | 4,383 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 100.5885% | 141 |
| Assets per employee ($millions) | 0.9711% | 4,649 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7770% | 4,081 |
| 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 | 56.1100% | 3,017 |
| Net loans and leases to deposits | 114.2607% | 113 |
| Net loans and leases to core deposits | 114.2607% | 481 |
| Total domestic deposits to total assets | 49.1000% | 4,611 |
| Equity capital to assets | 50.3639% | 86 |
| Core capital (leverage) ratio | 48.1452% | 91 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 87.1297% | 66 |
| Memoranda: | ||
| Average total assets | $29,126,400 | 4,615 |
| Average earning assets | $23,654,200 | 4,609 |
| Average equity | $14,717,600 | 3,394 |
| Average total loans | $15,281,800 | 4,475 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2754% | 768 |
| Cost of funding earning assets | 0.0620% | 4,517 |
| Net interest margin | 4.2134% | 409 |
| Noninterest income to average assets | 14.8900% | 84 |
| Noninterest expense to average assets | 18.1603% | 73 |
| Loan and lease loss provision to assets | 0.0300% | 2,122 |
| Net operating income to assets | 0.1190% | 4,537 |
| Return on assets (ROA) | 0.1190% | 4,506 |
| Pretax return on assets | 0.1190% | 4,506 |
| Return on Equity (ROE) | 0.2400% | 4,548 |
| Retained earnings to average equity (ytd only) | 0.2354% | 4,306 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 99.1750% | 167 |
| Assets per employee ($millions) | 1.0883% | 4,682 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9590% | 3,657 |
| 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 | 44.2800% | 3,859 |
| Net loans and leases to deposits | 89.6706% | 911 |
| Net loans and leases to core deposits | 89.6706% | 1,319 |
| Total domestic deposits to total assets | 49.3900% | 4,655 |
| Equity capital to assets | 50.1446% | 84 |
| Core capital (leverage) ratio | 48.1313% | 89 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $29,125,000 | 4,650 |
| Average earning assets | $23,638,500 | 4,644 |
| Average equity | $14,729,000 | 3,433 |
| Average total loans | $14,984,000 | 4,515 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9408% | 1,045 |
| Cost of funding earning assets | 0.0596% | 4,532 |
| Net interest margin | 3.8812% | 632 |
| Noninterest income to average assets | 16.1580% | 41 |
| Noninterest expense to average assets | 19.1815% | 40 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.1171% | 4,499 |
| Return on assets (ROA) | 0.1171% | 4,466 |
| Pretax return on assets | 0.1171% | 4,478 |
| Return on Equity (ROE) | 0.2309% | 4,537 |
| Retained earnings to average equity (ytd only) | 0.2309% | 4,147 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.3933% | 192 |
| Assets per employee ($millions) | 0.8179% | 4,740 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7760% | 4,211 |
| 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 | 51.6776% | 3,193 |
| Net loans and leases to deposits | 104.1689% | 163 |
| Net loans and leases to core deposits | 104.1689% | 503 |
| Total domestic deposits to total assets | 49.6095% | 4,721 |
| Equity capital to assets | 50.0102% | 41 |
| Core capital (leverage) ratio | 48.6114% | 43 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $29,038,333 | 4,688 |
| Average earning assets | $23,497,667 | 4,696 |
| Average equity | $14,727,000 | 3,522 |
| Average total loans | $15,599,000 | 4,569 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8832% | 949 |
| Cost of funding earning assets | 0.0687% | 4,465 |
| Net interest margin | 3.8145% | 621 |
| Noninterest income to average assets | 17.0768% | 39 |
| Noninterest expense to average assets | 19.7125% | 37 |
| Loan and lease loss provision to assets | -0.0694% | 4,550 |
| Net operating income to assets | 0.5133% | 3,674 |
| Return on assets (ROA) | 0.5133% | 3,643 |
| Pretax return on assets | 0.5133% | 3,849 |
| Return on Equity (ROE) | 1.0049% | 4,423 |
| Retained earnings to average equity (ytd only) | 1.0049% | 3,821 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.7977% | 281 |
| Assets per employee ($millions) | 0.7606% | 4,769 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7182% | 4,358 |
| 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 | 54.5256% | 2,687 |
| Net loans and leases to deposits | 112.3316% | 57 |
| Net loans and leases to core deposits | 112.3316% | 217 |
| Total domestic deposits to total assets | 48.5399% | 4,753 |
| Equity capital to assets | 51.0207% | 35 |
| Core capital (leverage) ratio | 49.2324% | 36 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 89.6060% | 33 |
| Memoranda: | ||
| Average total assets | $28,834,500 | 4,711 |
| Average earning assets | $23,279,500 | 4,719 |
| Average equity | $14,727,500 | 3,588 |
| Average total loans | $15,730,500 | 4,586 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2263% | 3,415 |
| Cost of funding earning assets | 0.0936% | 4,433 |
| Net interest margin | 3.1327% | 2,796 |
| Noninterest income to average assets | 28.1866% | 30 |
| Noninterest expense to average assets | 25.1099% | 32 |
| Loan and lease loss provision to assets | -0.0931% | 4,515 |
| Net operating income to assets | 5.8146% | 37 |
| Return on assets (ROA) | 5.8146% | 37 |
| Pretax return on assets | 5.8146% | 47 |
| Return on Equity (ROE) | 14.8308% | 988 |
| Retained earnings to average equity (ytd only) | 14.8308% | 238 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.4428% | 726 |
| Assets per employee ($millions) | 0.6849% | 4,815 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7634% | 4,322 |
| 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 | 53.7734% | 2,879 |
| Net loans and leases to deposits | 111.0800% | 76 |
| Net loans and leases to core deposits | 111.0800% | 267 |
| Total domestic deposits to total assets | 48.4096% | 4,796 |
| Equity capital to assets | 51.1315% | 34 |
| Core capital (leverage) ratio | 47.0064% | 36 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 89.5194% | 36 |
| Memoranda: | ||
| Average total assets | $35,428,200 | 4,704 |
| Average earning assets | $29,910,400 | 4,716 |
| Average equity | $13,890,000 | 3,749 |
| Average total loans | $20,211,200 | 4,564 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1051% | 3,796 |
| Cost of funding earning assets | 0.1013% | 4,490 |
| Net interest margin | 3.0038% | 3,292 |
| Noninterest income to average assets | 28.7950% | 31 |
| Noninterest expense to average assets | 24.7692% | 32 |
| Loan and lease loss provision to assets | -0.1159% | 4,639 |
| Net operating income to assets | 6.7000% | 32 |
| Return on assets (ROA) | 6.7000% | 31 |
| Pretax return on assets | 6.7000% | 43 |
| Return on Equity (ROE) | 18.1602% | 610 |
| Retained earnings to average equity (ytd only) | 18.1602% | 190 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.9981% | 812 |
| Assets per employee ($millions) | 0.7004% | 4,888 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6706% | 4,549 |
| 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 | 56.3932% | 2,685 |
| Net loans and leases to deposits | 106.2911% | 131 |
| Net loans and leases to core deposits | 106.2911% | 399 |
| Total domestic deposits to total assets | 53.0554% | 4,859 |
| Equity capital to assets | 46.0467% | 36 |
| Core capital (leverage) ratio | 43.5566% | 43 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 81.2841% | 37 |
| Memoranda: | ||
| Average total assets | $37,093,500 | 4,759 |
| Average earning assets | $31,603,250 | 4,773 |
| Average equity | $13,685,250 | 3,820 |
| Average total loans | $21,367,000 | 4,605 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9554% | 4,130 |
| Cost of funding earning assets | 0.1075% | 4,523 |
| Net interest margin | 2.8479% | 3,683 |
| Noninterest income to average assets | 29.4260% | 29 |
| Noninterest expense to average assets | 25.0154% | 32 |
| Loan and lease loss provision to assets | -0.1181% | 4,656 |
| Net operating income to assets | 6.9778% | 31 |
| Return on assets (ROA) | 6.9778% | 31 |
| Pretax return on assets | 6.9778% | 42 |
| Return on Equity (ROE) | 20.2695% | 436 |
| Retained earnings to average equity (ytd only) | 20.2695% | 147 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.4794% | 887 |
| Assets per employee ($millions) | 0.7477% | 4,922 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6570% | 4,597 |
| Loan loss allowance to noncurrent loans | 1,842.8571% | 445 |
| Noncurrent assets plus other real estate owned to assets | 0.0213% | 4,131 |
| Noncurrent loans to loans | 0.0357% | 4,018 |
| Net loans and leases to total assets | 59.2924% | 2,508 |
| Net loans and leases to deposits | 104.6459% | 174 |
| Net loans and leases to core deposits | 104.6459% | 513 |
| Total domestic deposits to total assets | 56.6600% | 4,883 |
| Equity capital to assets | 42.5771% | 41 |
| Core capital (leverage) ratio | 35.6846% | 50 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 74.9159% | 45 |
| Memoranda: | ||
| Average total assets | $38,952,000 | 4,774 |
| Average earning assets | $33,498,333 | 4,785 |
| Average equity | $13,409,333 | 3,852 |
| Average total loans | $22,524,667 | 4,618 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7523% | 4,430 |
| Cost of funding earning assets | 0.1201% | 4,519 |
| Net interest margin | 2.6322% | 4,091 |
| Noninterest income to average assets | 31.9493% | 28 |
| Noninterest expense to average assets | 25.6414% | 30 |
| Loan and lease loss provision to assets | -0.1906% | 4,805 |
| Net operating income to assets | 8.7949% | 27 |
| Return on assets (ROA) | 8.7949% | 26 |
| Pretax return on assets | 8.7949% | 36 |
| Return on Equity (ROE) | 28.1606% | 181 |
| Retained earnings to average equity (ytd only) | 28.1606% | 94 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8748% | 1,234 |
| Assets per employee ($millions) | 1.0073% | 4,939 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5691% | 4,718 |
| 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 | 54.5158% | 3,191 |
| Net loans and leases to deposits | 98.4841% | 330 |
| Net loans and leases to core deposits | 98.4841% | 783 |
| Total domestic deposits to total assets | 55.3549% | 4,908 |
| Equity capital to assets | 32.0798% | 54 |
| Core capital (leverage) ratio | 30.8028% | 59 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 62.0239% | 54 |
| Memoranda: | ||
| Average total assets | $41,979,000 | 4,763 |
| Average earning assets | $36,623,500 | 4,774 |
| Average equity | $13,110,500 | 3,891 |
| Average total loans | $23,969,500 | 4,617 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8129% | 3,264 |
| Cost of funding earning assets | 0.3295% | 3,977 |
| Net interest margin | 3.4834% | 2,521 |
| Noninterest income to average assets | 28.1755% | 33 |
| Noninterest expense to average assets | 23.1330% | 33 |
| Loan and lease loss provision to assets | -0.0473% | 4,933 |
| Net operating income to assets | 8.1474% | 26 |
| Return on assets (ROA) | 8.1474% | 27 |
| Pretax return on assets | 8.1474% | 32 |
| Return on Equity (ROE) | 28.8876% | 74 |
| Retained earnings to average equity (ytd only) | 28.8876% | 31 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0657% | 1,434 |
| Assets per employee ($millions) | 0.9917% | 4,964 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6143% | 4,706 |
| 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 | 59.0406% | 2,976 |
| Net loans and leases to deposits | 102.6721% | 295 |
| Net loans and leases to core deposits | 102.6721% | 782 |
| Total domestic deposits to total assets | 57.5040% | 4,922 |
| Equity capital to assets | 30.3690% | 63 |
| Core capital (leverage) ratio | 28.0590% | 73 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $38,036,600 | 4,795 |
| Average earning assets | $33,387,000 | 4,806 |
| Average equity | $10,727,800 | 4,118 |
| Average total loans | $27,544,200 | 4,566 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0386% | 2,867 |
| Cost of funding earning assets | 0.3838% | 3,900 |
| Net interest margin | 3.6547% | 2,088 |
| Noninterest income to average assets | 25.5184% | 37 |
| Noninterest expense to average assets | 21.2815% | 37 |
| Loan and lease loss provision to assets | -0.0646% | 4,988 |
| Net operating income to assets | 7.5151% | 27 |
| Return on assets (ROA) | 7.5151% | 28 |
| Pretax return on assets | 7.5151% | 35 |
| Return on Equity (ROE) | 27.2320% | 89 |
| Retained earnings to average equity (ytd only) | 27.2320% | 41 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0690% | 1,400 |
| Assets per employee ($millions) | 1.0044% | 4,996 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4553% | 4,848 |
| Loan loss allowance to noncurrent loans | 135.7143% | 2,861 |
| Noncurrent assets plus other real estate owned to assets | 0.2655% | 3,115 |
| Noncurrent loans to loans | 0.3355% | 3,078 |
| Net loans and leases to total assets | 78.7853% | 744 |
| Net loans and leases to deposits | 132.0959% | 50 |
| Net loans and leases to core deposits | 132.0959% | 219 |
| Total domestic deposits to total assets | 59.6425% | 4,933 |
| Equity capital to assets | 27.6012% | 74 |
| Core capital (leverage) ratio | 25.7156% | 87 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 45.4827% | 108 |
| Memoranda: | ||
| Average total assets | $37,133,000 | 4,829 |
| Average earning assets | $32,651,000 | 4,842 |
| Average equity | $10,247,500 | 4,187 |
| Average total loans | $28,244,500 | 4,569 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2535% | 2,597 |
| Cost of funding earning assets | 0.4349% | 3,871 |
| Net interest margin | 3.8185% | 1,778 |
| Noninterest income to average assets | 22.9114% | 38 |
| Noninterest expense to average assets | 20.4797% | 37 |
| Loan and lease loss provision to assets | 0.0339% | 3,840 |
| Net operating income to assets | 5.7659% | 31 |
| Return on assets (ROA) | 5.7659% | 31 |
| Pretax return on assets | 5.7659% | 37 |
| Return on Equity (ROE) | 20.8948% | 205 |
| Retained earnings to average equity (ytd only) | 20.8948% | 82 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.9304% | 1,062 |
| Assets per employee ($millions) | 0.8865% | 5,033 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6434% | 4,681 |
| 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 | 72.9897% | 1,557 |
| Net loans and leases to deposits | 127.6335% | 56 |
| Net loans and leases to core deposits | 127.6335% | 292 |
| Total domestic deposits to total assets | 57.1870% | 4,981 |
| Equity capital to assets | 27.9315% | 73 |
| Core capital (leverage) ratio | 22.6823% | 133 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $35,449,667 | 4,875 |
| Average earning assets | $31,268,667 | 4,886 |
| Average equity | $9,782,333 | 4,241 |
| Average total loans | $26,530,667 | 4,633 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3260% | 2,841 |
| Cost of funding earning assets | 0.3347% | 4,563 |
| Net interest margin | 3.9912% | 1,414 |
| Noninterest income to average assets | 17.2003% | 40 |
| Noninterest expense to average assets | 18.5083% | 44 |
| Loan and lease loss provision to assets | 0.0694% | 2,879 |
| Net operating income to assets | 2.2108% | 178 |
| Return on assets (ROA) | 2.2108% | 197 |
| Pretax return on assets | 2.2108% | 288 |
| Return on Equity (ROE) | 8.0646% | 2,491 |
| Retained earnings to average equity (ytd only) | 8.0646% | 1,213 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.0312% | 534 |
| Assets per employee ($millions) | 0.9438% | 5,074 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6383% | 4,707 |
| 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 | 69.1213% | 2,378 |
| Net loans and leases to deposits | 132.3304% | 33 |
| Net loans and leases to core deposits | 132.3304% | 239 |
| Total domestic deposits to total assets | 52.2339% | 5,064 |
| Equity capital to assets | 24.1404% | 124 |
| Core capital (leverage) ratio | 31.2959% | 61 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $34,557,500 | 4,916 |
| Average earning assets | $31,068,000 | 4,922 |
| Average equity | $9,473,500 | 4,296 |
| Average total loans | $26,119,500 | 4,671 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5965% | 476 |
| Cost of funding earning assets | 0.3385% | 4,629 |
| Net interest margin | 5.2580% | 171 |
| Noninterest income to average assets | 18.9302% | 39 |
| Noninterest expense to average assets | 20.6463% | 37 |
| Loan and lease loss provision to assets | 0.0133% | 3,748 |
| Net operating income to assets | 2.9200% | 85 |
| Return on assets (ROA) | 2.9200% | 87 |
| Pretax return on assets | 2.9200% | 104 |
| Return on Equity (ROE) | 9.8847% | 2,348 |
| Retained earnings to average equity (ytd only) | 9.8847% | 514 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.5599% | 463 |
| Assets per employee ($millions) | 0.7189% | 5,143 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6893% | 4,596 |
| 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 | 83.0981% | 416 |
| Net loans and leases to deposits | 165.7240% | 7 |
| Net loans and leases to core deposits | 165.7240% | 72 |
| Total domestic deposits to total assets | 50.1425% | 5,127 |
| Equity capital to assets | 31.8157% | 62 |
| Core capital (leverage) ratio | 27.3278% | 96 |
| Tier 1 risk-based capital ratio | 53.0608% | 121 |
| Total risk-based capital ratio | 54.1656% | 120 |
| Memoranda: | ||
| Average total assets | $30,068,400 | 5,024 |
| Average earning assets | $26,588,200 | 5,029 |
| Average equity | $8,882,400 | 4,393 |
| Average total loans | $24,556,000 | 4,767 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6082% | 488 |
| Cost of funding earning assets | 0.3240% | 4,737 |
| Net interest margin | 5.2842% | 172 |
| Noninterest income to average assets | 17.6808% | 40 |
| Noninterest expense to average assets | 19.6929% | 37 |
| Loan and lease loss provision to assets | -0.0176% | 5,073 |
| Net operating income to assets | 2.6828% | 123 |
| Return on assets (ROA) | 2.6828% | 128 |
| Pretax return on assets | 2.6828% | 173 |
| Return on Equity (ROE) | 9.2556% | 2,776 |
| Retained earnings to average equity (ytd only) | 9.2556% | 971 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.0797% | 393 |
| Assets per employee ($millions) | 0.7794% | 5,221 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6120% | 4,794 |
| 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 | 80.3666% | 802 |
| Net loans and leases to deposits | 160.6301% | 11 |
| Net loans and leases to core deposits | 160.6301% | 88 |
| Total domestic deposits to total assets | 50.0321% | 5,201 |
| Equity capital to assets | 27.8265% | 87 |
| Core capital (leverage) ratio | 27.9089% | 85 |
| Tier 1 risk-based capital ratio | 47.6984% | 154 |
| Total risk-based capital ratio | 48.6771% | 154 |
| Memoranda: | ||
| Average total assets | $30,216,500 | 5,098 |
| Average earning assets | $26,745,750 | 5,104 |
| Average equity | $8,758,500 | 4,460 |
| Average total loans | $24,529,000 | 4,835 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9006% | 286 |
| Cost of funding earning assets | 0.2931% | 4,844 |
| Net interest margin | 5.6075% | 105 |
| Noninterest income to average assets | 16.4619% | 40 |
| Noninterest expense to average assets | 19.3893% | 38 |
| Loan and lease loss provision to assets | -0.0477% | 5,175 |
| Net operating income to assets | 2.0696% | 346 |
| Return on assets (ROA) | 2.0696% | 361 |
| Pretax return on assets | 2.0696% | 593 |
| Return on Equity (ROE) | 7.0357% | 3,664 |
| Retained earnings to average equity (ytd only) | 7.0357% | 1,787 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.5564% | 332 |
| Assets per employee ($millions) | 0.6965% | 5,270 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6769% | 4,747 |
| 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 | 79.7621% | 921 |
| Net loans and leases to deposits | 153.3184% | 13 |
| Net loans and leases to core deposits | 153.3184% | 118 |
| Total domestic deposits to total assets | 52.0238% | 5,246 |
| Equity capital to assets | 30.0971% | 68 |
| Core capital (leverage) ratio | 26.3549% | 102 |
| Tier 1 risk-based capital ratio | 49.9277% | 136 |
| Total risk-based capital ratio | 50.9734% | 137 |
| Memoranda: | ||
| Average total assets | $29,377,000 | 5,150 |
| Average earning assets | $25,929,670 | 5,155 |
| Average equity | $8,641,670 | 4,493 |
| Average total loans | $23,882,000 | 4,889 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6240% | 410 |
| Cost of funding earning assets | 0.1076% | 5,267 |
| Net interest margin | 5.5164% | 118 |
| Noninterest income to average assets | 15.5302% | 44 |
| Noninterest expense to average assets | 18.4922% | 39 |
| Loan and lease loss provision to assets | 0.2717% | 507 |
| Net operating income to assets | 1.6440% | 820 |
| Return on assets (ROA) | 1.6440% | 848 |
| Pretax return on assets | 1.6440% | 1,363 |
| Return on Equity (ROE) | 5.6539% | 4,134 |
| Retained earnings to average equity (ytd only) | 5.6539% | 2,611 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.6125% | 371 |
| Assets per employee ($millions) | 0.7667% | 5,323 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7235% | 4,728 |
| 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 | 79.2553% | 951 |
| Net loans and leases to deposits | 165.4522% | 9 |
| Net loans and leases to core deposits | 165.4522% | 75 |
| Total domestic deposits to total assets | 47.9022% | 5,316 |
| Equity capital to assets | 26.7725% | 94 |
| Core capital (leverage) ratio | 27.3964% | 89 |
| Tier 1 risk-based capital ratio | 44.7911% | 172 |
| Total risk-based capital ratio | 45.9157% | 173 |
| Memoranda: | ||
| Average total assets | $29,439,500 | 5,206 |
| Average earning assets | $26,031,500 | 5,207 |
| Average equity | $8,560,500 | 4,530 |
| Average total loans | $24,077,500 | 4,940 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8896% | 201 |
| Cost of funding earning assets | 0.0635% | 5,351 |
| Net interest margin | 5.8261% | 77 |
| Noninterest income to average assets | 17.3963% | 42 |
| Noninterest expense to average assets | 19.7620% | 36 |
| Loan and lease loss provision to assets | -0.0660% | 5,224 |
| Net operating income to assets | 2.7472% | 108 |
| Return on assets (ROA) | 2.7472% | 109 |
| Pretax return on assets | 2.7472% | 139 |
| Return on Equity (ROE) | 9.2515% | 2,861 |
| Retained earnings to average equity (ytd only) | 9.2515% | 794 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.0536% | 430 |
| Assets per employee ($millions) | 0.6507% | 5,373 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7395% | 4,709 |
| 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 | 83.5220% | 454 |
| Net loans and leases to deposits | 201.5923% | 8 |
| Net loans and leases to core deposits | 201.5923% | 40 |
| Total domestic deposits to total assets | 41.4311% | 5,365 |
| Equity capital to assets | 31.8615% | 63 |
| Core capital (leverage) ratio | 30.6434% | 68 |
| Tier 1 risk-based capital ratio | 51.1907% | 126 |
| Total risk-based capital ratio | 52.3569% | 126 |
| Memoranda: | ||
| Average total assets | $27,264,400 | 5,277 |
| Average earning assets | $23,617,800 | 5,277 |
| Average equity | $8,096,000 | 4,594 |
| Average total loans | $21,466,400 | 5,040 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9579% | 163 |
| Cost of funding earning assets | 0.0675% | 5,410 |
| Net interest margin | 5.8904% | 76 |
| Noninterest income to average assets | 17.6956% | 41 |
| Noninterest expense to average assets | 19.7337% | 36 |
| Loan and lease loss provision to assets | -0.1216% | 5,366 |
| Net operating income to assets | 3.1762% | 70 |
| Return on assets (ROA) | 3.1762% | 71 |
| Pretax return on assets | 3.1762% | 98 |
| Return on Equity (ROE) | 10.8898% | 2,224 |
| Retained earnings to average equity (ytd only) | 10.8898% | 672 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.5955% | 484 |
| Assets per employee ($millions) | 0.5911% | 5,446 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7982% | 4,627 |
| 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 | 77.7432% | 1,381 |
| Net loans and leases to deposits | 141.9540% | 20 |
| Net loans and leases to core deposits | 141.9540% | 198 |
| Total domestic deposits to total assets | 54.7665% | 5,418 |
| Equity capital to assets | 33.0684% | 57 |
| Core capital (leverage) ratio | 28.2582% | 77 |
| Tier 1 risk-based capital ratio | 55.5367% | 100 |
| Total risk-based capital ratio | 56.7645% | 95 |
| Memoranda: | ||
| Average total assets | $27,411,000 | 5,344 |
| Average earning assets | $23,699,000 | 5,344 |
| Average equity | $7,995,000 | 4,656 |
| Average total loans | $21,221,000 | 5,109 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9727% | 147 |
| Cost of funding earning assets | 0.0659% | 5,463 |
| Net interest margin | 5.9067% | 75 |
| Noninterest income to average assets | 14.8670% | 47 |
| Noninterest expense to average assets | 18.3647% | 38 |
| Loan and lease loss provision to assets | -0.1781% | 5,464 |
| Net operating income to assets | 1.7880% | 593 |
| Return on assets (ROA) | 1.7880% | 596 |
| Pretax return on assets | 1.7880% | 991 |
| Return on Equity (ROE) | 6.3881% | 4,105 |
| Retained earnings to average equity (ytd only) | 6.3881% | 2,365 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.9401% | 312 |
| Assets per employee ($millions) | 0.7025% | 5,505 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8056% | 4,673 |
| 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 | 69.6786% | 2,630 |
| Net loans and leases to deposits | 130.5528% | 42 |
| Net loans and leases to core deposits | 130.5528% | 323 |
| Total domestic deposits to total assets | 53.3720% | 5,486 |
| Equity capital to assets | 28.4814% | 77 |
| Core capital (leverage) ratio | 25.6720% | 100 |
| Tier 1 risk-based capital ratio | 50.5472% | 129 |
| Total risk-based capital ratio | 51.7308% | 125 |
| Memoranda: | ||
| Average total assets | $28,075,670 | 5,398 |
| Average earning assets | $24,277,330 | 5,400 |
| Average equity | $7,858,330 | 4,720 |
| Average total loans | $21,655,000 | 5,160 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1176% | 114 |
| Cost of funding earning assets | 0.0660% | 5,522 |
| Net interest margin | 6.0516% | 67 |
| Noninterest income to average assets | 12.7423% | 52 |
| Noninterest expense to average assets | 17.0040% | 41 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.9692% | 2,988 |
| Return on assets (ROA) | 0.9692% | 3,016 |
| Pretax return on assets | 0.9692% | 3,637 |
| Return on Equity (ROE) | 3.4934% | 4,893 |
| Retained earnings to average equity (ytd only) | 3.4934% | 3,806 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.6075% | 281 |
| Assets per employee ($millions) | 0.7051% | 5,565 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8263% | 4,717 |
| 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 | 78.2982% | 1,194 |
| Net loans and leases to deposits | 144.6613% | 14 |
| Net loans and leases to core deposits | 144.6613% | 170 |
| Total domestic deposits to total assets | 54.1252% | 5,547 |
| Equity capital to assets | 27.7256% | 77 |
| Core capital (leverage) ratio | 24.6254% | 110 |
| Tier 1 risk-based capital ratio | 46.4431% | 159 |
| Total risk-based capital ratio | 47.6873% | 154 |
| Memoranda: | ||
| Average total assets | $28,064,000 | 5,458 |
| Average earning assets | $24,258,000 | 5,461 |
| Average equity | $7,786,000 | 4,783 |
| Average total loans | $22,613,500 | 5,190 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8608% | 159 |
| Cost of funding earning assets | 0.1288% | 5,371 |
| Net interest margin | 5.7320% | 84 |
| Noninterest income to average assets | 16.8725% | 42 |
| Noninterest expense to average assets | 19.4740% | 38 |
| Loan and lease loss provision to assets | 0.0245% | 3,805 |
| Net operating income to assets | 2.3598% | 144 |
| Return on assets (ROA) | 2.3598% | 145 |
| Pretax return on assets | 2.3598% | 235 |
| Return on Equity (ROE) | 9.0672% | 2,285 |
| Retained earnings to average equity (ytd only) | 9.0672% | 496 |
| Net charge-offs to loans | 0.0046% | 3,924 |
| Credit loss provision to net charge-offs | 700.0000% | 467 |
| Earnings coverage of net charge-offs (x) | 681.0000% | 127 |
| Efficiency ratio | 89.0918% | 469 |
| Assets per employee ($millions) | 0.6981% | 5,630 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8014% | 4,826 |
| Loan loss allowance to noncurrent loans | 127.7778% | 3,109 |
| Noncurrent assets plus other real estate owned to assets | 0.5157% | 2,838 |
| Noncurrent loans to loans | 0.6272% | 2,648 |
| Net loans and leases to total assets | 81.5636% | 745 |
| Net loans and leases to deposits | 152.9037% | 11 |
| Net loans and leases to core deposits | 155.6839% | 105 |
| Total domestic deposits to total assets | 53.3431% | 5,616 |
| Equity capital to assets | 27.7621% | 77 |
| Core capital (leverage) ratio | 23.8693% | 113 |
| Tier 1 risk-based capital ratio | 40.0257% | 215 |
| Total risk-based capital ratio | 41.1520% | 215 |
| Memoranda: | ||
| Average total assets | $28,561,200 | 5,510 |
| Average earning assets | $24,843,200 | 5,512 |
| Average equity | $7,433,400 | 4,875 |
| Average total loans | $21,964,600 | 5,258 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7353% | 181 |
| Cost of funding earning assets | 0.1279% | 5,439 |
| Net interest margin | 5.6074% | 89 |
| Noninterest income to average assets | 17.8078% | 43 |
| Noninterest expense to average assets | 19.8411% | 40 |
| Loan and lease loss provision to assets | 0.0372% | 3,370 |
| Net operating income to assets | 2.8132% | 96 |
| Return on assets (ROA) | 2.8132% | 97 |
| Pretax return on assets | 2.8132% | 135 |
| Return on Equity (ROE) | 10.9873% | 1,704 |
| Retained earnings to average equity (ytd only) | 10.9873% | 416 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.4386% | 542 |
| Assets per employee ($millions) | 0.7324% | 5,696 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8492% | 4,760 |
| Loan loss allowance to noncurrent loans | 129.1667% | 3,082 |
| Noncurrent assets plus other real estate owned to assets | 0.4916% | 3,093 |
| Noncurrent loans to loans | 0.6574% | 2,731 |
| Net loans and leases to total assets | 74.1380% | 1,887 |
| Net loans and leases to deposits | 132.6695% | 35 |
| Net loans and leases to core deposits | 134.8442% | 270 |
| Total domestic deposits to total assets | 55.8818% | 5,672 |
| Equity capital to assets | 26.2306% | 88 |
| Core capital (leverage) ratio | 22.9208% | 127 |
| Tier 1 risk-based capital ratio | 44.7913% | 167 |
| Total risk-based capital ratio | 46.0372% | 164 |
| Memoranda: | ||
| Average total assets | $28,720,750 | 5,566 |
| Average earning assets | $25,014,000 | 5,573 |
| Average equity | $7,353,750 | 4,935 |
| Average total loans | $21,716,000 | 5,316 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7470% | 175 |
| Cost of funding earning assets | 0.1128% | 5,547 |
| Net interest margin | 5.6341% | 92 |
| Noninterest income to average assets | 17.4064% | 43 |
| Noninterest expense to average assets | 19.6357% | 40 |
| Loan and lease loss provision to assets | 0.0280% | 3,439 |
| Net operating income to assets | 2.6429% | 107 |
| Return on assets (ROA) | 2.6429% | 107 |
| Pretax return on assets | 2.6429% | 164 |
| Return on Equity (ROE) | 10.4091% | 1,878 |
| Retained earnings to average equity (ytd only) | 10.4091% | 521 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.0264% | 544 |
| Assets per employee ($millions) | 0.7418% | 5,745 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7603% | 5,050 |
| Loan loss allowance to noncurrent loans | 126.3889% | 3,117 |
| Noncurrent assets plus other real estate owned to assets | 0.5109% | 3,060 |
| Noncurrent loans to loans | 0.6016% | 2,923 |
| Net loans and leases to total assets | 84.2800% | 415 |
| Net loans and leases to deposits | 164.5266% | 10 |
| Net loans and leases to core deposits | 167.5908% | 74 |
| Total domestic deposits to total assets | 51.2257% | 5,736 |
| Equity capital to assets | 26.4448% | 85 |
| Core capital (leverage) ratio | 23.5305% | 122 |
| Tier 1 risk-based capital ratio | 41.7877% | 189 |
| Total risk-based capital ratio | 43.0064% | 189 |
| Memoranda: | ||
| Average total assets | $28,529,670 | 5,616 |
| Average earning assets | $24,813,000 | 5,622 |
| Average equity | $7,243,670 | 4,975 |
| Average total loans | $21,653,330 | 5,361 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4799% | 236 |
| Cost of funding earning assets | 0.1278% | 5,509 |
| Net interest margin | 5.3521% | 125 |
| Noninterest income to average assets | 15.4838% | 48 |
| Noninterest expense to average assets | 18.4523% | 40 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.7003% | 551 |
| Return on assets (ROA) | 1.7003% | 562 |
| Pretax return on assets | 1.7003% | 1,003 |
| Return on Equity (ROE) | 6.8362% | 3,476 |
| Retained earnings to average equity (ytd only) | 6.8362% | 1,914 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.5629% | 473 |
| Assets per employee ($millions) | 0.6741% | 5,816 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8970% | 4,766 |
| Loan loss allowance to noncurrent loans | 296.6667% | 1,621 |
| Noncurrent assets plus other real estate owned to assets | 0.2119% | 4,372 |
| Noncurrent loans to loans | 0.3023% | 4,032 |
| Net loans and leases to total assets | 69.4603% | 2,467 |
| Net loans and leases to deposits | 124.4117% | 61 |
| Net loans and leases to core deposits | 126.5247% | 311 |
| Total domestic deposits to total assets | 55.8310% | 5,792 |
| Equity capital to assets | 25.4291% | 97 |
| Core capital (leverage) ratio | 21.7046% | 147 |
| Tier 1 risk-based capital ratio | 43.0998% | 189 |
| Total risk-based capital ratio | 44.3453% | 187 |
| Memoranda: | ||
| Average total assets | $28,701,000 | 5,681 |
| Average earning assets | $25,037,000 | 5,684 |
| Average equity | $7,138,500 | 5,037 |
| Average total loans | $20,511,000 | 5,447 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4096% | 283 |
| Cost of funding earning assets | 0.2019% | 4,996 |
| Net interest margin | 5.2077% | 169 |
| Noninterest income to average assets | 21.9981% | 38 |
| Noninterest expense to average assets | 22.5615% | 36 |
| Loan and lease loss provision to assets | 0.0297% | 3,764 |
| Net operating income to assets | 3.9964% | 49 |
| Return on assets (ROA) | 3.9964% | 50 |
| Pretax return on assets | 3.9964% | 65 |
| Return on Equity (ROE) | 18.6352% | 281 |
| Retained earnings to average equity (ytd only) | 18.6352% | 57 |
| Net charge-offs to loans | 0.0128% | 3,846 |
| Credit loss provision to net charge-offs | 300.0000% | 977 |
| Earnings coverage of net charge-offs (x) | 407.3333% | 199 |
| Efficiency ratio | 84.8575% | 919 |
| Assets per employee ($millions) | 0.6926% | 5,873 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8405% | 4,985 |
| 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 | 72.1913% | 2,143 |
| Net loans and leases to deposits | 125.1132% | 55 |
| Net loans and leases to core deposits | 127.1126% | 325 |
| Total domestic deposits to total assets | 57.7008% | 5,842 |
| Equity capital to assets | 24.3296% | 111 |
| Core capital (leverage) ratio | 19.2212% | 219 |
| Tier 1 risk-based capital ratio | 46.5656% | 162 |
| Total risk-based capital ratio | 47.8202% | 160 |
| Memoranda: | ||
| Average total assets | $30,352,600 | 5,707 |
| Average earning assets | $26,748,800 | 5,712 |
| Average equity | $6,509,200 | 5,186 |
| Average total loans | $23,437,200 | 5,407 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4485% | 274 |
| Cost of funding earning assets | 0.1923% | 5,150 |
| Net interest margin | 5.2562% | 156 |
| Noninterest income to average assets | 21.8980% | 38 |
| Noninterest expense to average assets | 22.2414% | 36 |
| Loan and lease loss provision to assets | 0.0391% | 3,460 |
| Net operating income to assets | 4.2518% | 48 |
| Return on assets (ROA) | 4.2518% | 48 |
| Pretax return on assets | 4.2518% | 63 |
| Return on Equity (ROE) | 20.4793% | 218 |
| Retained earnings to average equity (ytd only) | 20.4793% | 53 |
| Net charge-offs to loans | 0.0167% | 3,392 |
| Credit loss provision to net charge-offs | 300.0000% | 1,026 |
| Earnings coverage of net charge-offs (x) | 328.9925% | 259 |
| Efficiency ratio | 83.8276% | 1,006 |
| Assets per employee ($millions) | 0.6196% | 5,943 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7336% | 5,349 |
| 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 | 80.9852% | 760 |
| Net loans and leases to deposits | 144.8373% | 15 |
| Net loans and leases to core deposits | 147.1559% | 142 |
| Total domestic deposits to total assets | 55.9146% | 5,914 |
| Equity capital to assets | 23.0061% | 136 |
| Core capital (leverage) ratio | 19.3171% | 220 |
| Tier 1 risk-based capital ratio | 39.3912% | 235 |
| Total risk-based capital ratio | 40.6368% | 233 |
| Memoranda: | ||
| Average total assets | $30,668,750 | 5,764 |
| Average earning assets | $27,040,250 | 5,768 |
| Average equity | $6,367,250 | 5,269 |
| Average total loans | $24,002,250 | 5,447 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4949% | 260 |
| Cost of funding earning assets | 0.1829% | 5,294 |
| Net interest margin | 5.3120% | 146 |
| Noninterest income to average assets | 21.6216% | 37 |
| Noninterest expense to average assets | 21.7571% | 37 |
| Loan and lease loss provision to assets | 0.0581% | 2,978 |
| Net operating income to assets | 4.4935% | 42 |
| Return on assets (ROA) | 4.4935% | 42 |
| Pretax return on assets | 4.4935% | 59 |
| Return on Equity (ROE) | 22.4191% | 142 |
| Retained earnings to average equity (ytd only) | 22.4191% | 42 |
| Net charge-offs to loans | 0.0251% | 2,980 |
| Credit loss provision to net charge-offs | 300.0000% | 956 |
| Earnings coverage of net charge-offs (x) | 235.0000% | 282 |
| Efficiency ratio | 82.6994% | 1,186 |
| Assets per employee ($millions) | 0.6680% | 6,019 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7260% | 5,465 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 75.9059% | 1,504 |
| Net loans and leases to deposits | 127.2281% | 57 |
| Net loans and leases to core deposits | 128.9946% | 315 |
| Total domestic deposits to total assets | 59.6613% | 5,974 |
| Equity capital to assets | 20.4578% | 208 |
| Core capital (leverage) ratio | 18.4170% | 262 |
| Tier 1 risk-based capital ratio | 36.0821% | 305 |
| Total risk-based capital ratio | 37.2832% | 302 |
| Memoranda: | ||
| Average total assets | $30,978,330 | 5,829 |
| Average earning assets | $27,334,330 | 5,831 |
| Average equity | $6,209,000 | 5,350 |
| Average total loans | $23,915,330 | 5,506 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4493% | 278 |
| Cost of funding earning assets | 0.1493% | 5,616 |
| Net interest margin | 5.3000% | 150 |
| Noninterest income to average assets | 20.3322% | 37 |
| Noninterest expense to average assets | 20.4636% | 37 |
| Loan and lease loss provision to assets | 0.0789% | 2,387 |
| Net operating income to assets | 4.4555% | 52 |
| Return on assets (ROA) | 4.4555% | 50 |
| Pretax return on assets | 4.4555% | 62 |
| Return on Equity (ROE) | 22.4745% | 146 |
| Retained earnings to average equity (ytd only) | 22.4745% | 64 |
| Net charge-offs to loans | 0.0508% | 2,024 |
| Credit loss provision to net charge-offs | 200.0000% | 1,075 |
| Earnings coverage of net charge-offs (x) | 115.0000% | 487 |
| Efficiency ratio | 81.8612% | 1,380 |
| Assets per employee ($millions) | 0.7872% | 6,078 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6938% | 5,604 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 81.5890% | 615 |
| Net loans and leases to deposits | 131.6462% | 32 |
| Net loans and leases to core deposits | 135.3672% | 216 |
| Total domestic deposits to total assets | 61.9760% | 6,025 |
| Equity capital to assets | 20.2059% | 206 |
| Core capital (leverage) ratio | 17.6469% | 321 |
| Tier 1 risk-based capital ratio | 33.4316% | 382 |
| Total risk-based capital ratio | 34.6040% | 378 |
| Memoranda: | ||
| Average total assets | $30,434,500 | 5,900 |
| Average earning assets | $26,792,500 | 5,905 |
| Average equity | $6,033,500 | 5,413 |
| Average total loans | $23,614,000 | 5,566 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4661% | 284 |
| Cost of funding earning assets | 0.1145% | 5,904 |
| Net interest margin | 5.3516% | 157 |
| Noninterest income to average assets | 20.6735% | 39 |
| Noninterest expense to average assets | 22.5950% | 34 |
| Loan and lease loss provision to assets | 0.1433% | 1,655 |
| Net operating income to assets | 2.5718% | 141 |
| Return on assets (ROA) | 2.5718% | 143 |
| Pretax return on assets | 2.5718% | 182 |
| Return on Equity (ROE) | 12.7467% | 1,111 |
| Retained earnings to average equity (ytd only) | 12.7467% | 220 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.2728% | 739 |
| Assets per employee ($millions) | 0.7183% | 6,139 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7816% | 5,458 |
| Loan loss allowance to noncurrent loans | 260.6061% | 1,860 |
| Noncurrent assets plus other real estate owned to assets | 0.2188% | 4,720 |
| Noncurrent loans to loans | 0.2999% | 4,382 |
| Net loans and leases to total assets | 72.3699% | 1,987 |
| Net loans and leases to deposits | 114.8674% | 156 |
| Net loans and leases to core deposits | 118.2453% | 534 |
| Total domestic deposits to total assets | 63.0030% | 6,060 |
| Equity capital to assets | 19.4365% | 232 |
| Core capital (leverage) ratio | 17.6128% | 308 |
| Tier 1 risk-based capital ratio | 32.7697% | 403 |
| Total risk-based capital ratio | 33.9815% | 393 |
| Memoranda: | ||
| Average total assets | $27,218,400 | 5,999 |
| Average earning assets | $23,581,800 | 6,000 |
| Average equity | $5,491,600 | 5,540 |
| Average total loans | $21,466,400 | 5,662 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1450% | 476 |
| Cost of funding earning assets | 0.1051% | 6,039 |
| Net interest margin | 5.0399% | 230 |
| Noninterest income to average assets | 21.8671% | 41 |
| Noninterest expense to average assets | 23.0705% | 35 |
| Loan and lease loss provision to assets | 0.0352% | 3,517 |
| Net operating income to assets | 3.1066% | 83 |
| Return on assets (ROA) | 3.1066% | 83 |
| Pretax return on assets | 3.1066% | 112 |
| Return on Equity (ROE) | 15.2385% | 698 |
| Retained earnings to average equity (ytd only) | 15.2385% | 156 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.0138% | 840 |
| Assets per employee ($millions) | 0.6787% | 6,229 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6326% | 5,849 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 81.0108% | 699 |
| Net loans and leases to deposits | 136.6302% | 22 |
| Net loans and leases to core deposits | 141.3731% | 159 |
| Total domestic deposits to total assets | 59.2920% | 6,182 |
| Equity capital to assets | 21.2952% | 180 |
| Core capital (leverage) ratio | 17.4885% | 333 |
| Tier 1 risk-based capital ratio | 36.8565% | 307 |
| Total risk-based capital ratio | 37.9861% | 308 |
| Memoranda: | ||
| Average total assets | $26,480,500 | 6,092 |
| Average earning assets | $22,830,500 | 6,094 |
| Average equity | $5,398,500 | 5,629 |
| Average total loans | $21,331,500 | 5,736 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9443% | 659 |
| Cost of funding earning assets | 0.1150% | 6,065 |
| Net interest margin | 4.8293% | 341 |
| Noninterest income to average assets | 19.4910% | 46 |
| Noninterest expense to average assets | 21.5627% | 38 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 2.0870% | 312 |
| Return on assets (ROA) | 2.0870% | 327 |
| Pretax return on assets | 2.0870% | 502 |
| Return on Equity (ROE) | 10.3965% | 1,896 |
| Retained earnings to average equity (ytd only) | 10.3965% | 605 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.1755% | 674 |
| Assets per employee ($millions) | 0.6727% | 6,309 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5864% | 5,994 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 83.7998% | 386 |
| Net loans and leases to deposits | 138.7996% | 24 |
| Net loans and leases to core deposits | 141.0572% | 160 |
| Total domestic deposits to total assets | 60.3746% | 6,245 |
| Equity capital to assets | 20.2141% | 217 |
| Core capital (leverage) ratio | 15.9870% | 466 |
| Tier 1 risk-based capital ratio | 31.5091% | 476 |
| Total risk-based capital ratio | 32.5007% | 480 |
| Memoranda: | ||
| Average total assets | $26,258,330 | 6,165 |
| Average earning assets | $22,612,000 | 6,170 |
| Average equity | $5,271,000 | 5,716 |
| Average total loans | $21,064,670 | 5,809 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0371% | 546 |
| Cost of funding earning assets | 0.1255% | 6,090 |
| Net interest margin | 4.9116% | 293 |
| Noninterest income to average assets | 15.9173% | 53 |
| Noninterest expense to average assets | 19.4339% | 41 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.7095% | 3,749 |
| Return on assets (ROA) | 0.7095% | 3,878 |
| Pretax return on assets | 0.7095% | 4,562 |
| Return on Equity (ROE) | 3.5473% | 5,162 |
| Retained earnings to average equity (ytd only) | 3.5473% | 3,872 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.4778% | 486 |
| Assets per employee ($millions) | 0.7359% | 6,374 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6306% | 6,017 |
| Loan loss allowance to noncurrent loans | 6,650.0000% | 100 |
| Noncurrent assets plus other real estate owned to assets | 0.0072% | 5,930 |
| Noncurrent loans to loans | 0.0095% | 5,771 |
| Net loans and leases to total assets | 74.9428% | 1,363 |
| Net loans and leases to deposits | 118.8982% | 96 |
| Net loans and leases to core deposits | 120.6783% | 396 |
| Total domestic deposits to total assets | 63.0310% | 6,292 |
| Equity capital to assets | 18.6311% | 287 |
| Core capital (leverage) ratio | 16.5899% | 406 |
| Tier 1 risk-based capital ratio | 34.6811% | 375 |
| Total risk-based capital ratio | 35.8351% | 370 |
| Memoranda: | ||
| Average total assets | $25,934,000 | 6,242 |
| Average earning assets | $22,314,500 | 6,245 |
| Average equity | $5,187,000 | 5,784 |
| Average total loans | $20,256,500 | 5,886 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3092% | 443 |
| Cost of funding earning assets | 0.1531% | 6,081 |
| Net interest margin | 5.1561% | 224 |
| Noninterest income to average assets | 16.2170% | 49 |
| Noninterest expense to average assets | 19.1361% | 38 |
| Loan and lease loss provision to assets | 0.0126% | 4,366 |
| Net operating income to assets | 1.4533% | 974 |
| Return on assets (ROA) | 1.4533% | 1,008 |
| Pretax return on assets | 1.4533% | 1,715 |
| Return on Equity (ROE) | 6.9696% | 3,655 |
| Retained earnings to average equity (ytd only) | 6.9696% | 1,427 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.8848% | 656 |
| Assets per employee ($millions) | 0.6640% | 6,466 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6848% | 6,018 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 80.6978% | 647 |
| Net loans and leases to deposits | 143.9015% | 19 |
| Net loans and leases to core deposits | 146.7478% | 123 |
| Total domestic deposits to total assets | 56.0785% | 6,434 |
| Equity capital to assets | 21.6031% | 169 |
| Core capital (leverage) ratio | 18.2604% | 278 |
| Tier 1 risk-based capital ratio | 31.7324% | 442 |
| Total risk-based capital ratio | 32.8006% | 440 |
| Memoranda: | ||
| Average total assets | $23,808,400 | 6,356 |
| Average earning assets | $20,248,000 | 6,364 |
| Average equity | $4,964,400 | 5,860 |
| Average total loans | $16,586,200 | 6,099 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2590% | 466 |
| Cost of funding earning assets | 0.1582% | 6,132 |
| Net interest margin | 5.1009% | 245 |
| Noninterest income to average assets | 16.4921% | 47 |
| Noninterest expense to average assets | 19.5697% | 36 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.2613% | 1,494 |
| Return on assets (ROA) | 1.2613% | 1,547 |
| Pretax return on assets | 1.2613% | 2,528 |
| Return on Equity (ROE) | 6.1042% | 4,182 |
| Retained earnings to average equity (ytd only) | 6.1042% | 2,344 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.9451% | 600 |
| Assets per employee ($millions) | 0.6007% | 6,549 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7946% | 5,886 |
| 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 | 71.1106% | 2,007 |
| Net loans and leases to deposits | 120.1051% | 96 |
| Net loans and leases to core deposits | 122.4427% | 340 |
| Total domestic deposits to total assets | 59.2070% | 6,495 |
| Equity capital to assets | 22.0942% | 159 |
| Core capital (leverage) ratio | 17.1411% | 357 |
| Tier 1 risk-based capital ratio | 35.5189% | 341 |
| Total risk-based capital ratio | 36.7245% | 337 |
| Memoranda: | ||
| Average total assets | $23,784,500 | 6,435 |
| Average earning assets | $20,231,250 | 6,441 |
| Average equity | $4,914,500 | 5,935 |
| Average total loans | $15,877,000 | 6,198 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1556% | 548 |
| Cost of funding earning assets | 0.1559% | 6,233 |
| Net interest margin | 4.9997% | 281 |
| Noninterest income to average assets | 15.4163% | 49 |
| Noninterest expense to average assets | 18.3867% | 35 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.9542% | 2,536 |
| Return on assets (ROA) | 0.9542% | 2,626 |
| Pretax return on assets | 1.2861% | 2,311 |
| Return on Equity (ROE) | 4.7212% | 4,808 |
| Retained earnings to average equity (ytd only) | 4.7212% | 3,138 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.4627% | 670 |
| Assets per employee ($millions) | 0.5255% | 6,619 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8478% | 5,879 |
| 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 | 62.8977% | 3,258 |
| Net loans and leases to deposits | 101.1780% | 498 |
| Net loans and leases to core deposits | 102.9456% | 1,086 |
| Total domestic deposits to total assets | 62.1654% | 6,539 |
| Equity capital to assets | 20.4088% | 202 |
| Core capital (leverage) ratio | 16.1852% | 452 |
| Tier 1 risk-based capital ratio | 32.6774% | 421 |
| Total risk-based capital ratio | 33.8194% | 415 |
| Memoranda: | ||
| Average total assets | $24,104,330 | 6,494 |
| Average earning assets | $20,521,330 | 6,501 |
| Average equity | $4,871,670 | 5,989 |
| Average total loans | $15,715,670 | 6,264 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1806% | 507 |
| Cost of funding earning assets | 0.1759% | 6,194 |
| Net interest margin | 5.0046% | 268 |
| Noninterest income to average assets | 16.7504% | 47 |
| Noninterest expense to average assets | 20.2401% | 34 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.7644% | 3,336 |
| Return on assets (ROA) | 0.7644% | 3,420 |
| Pretax return on assets | 0.7644% | 4,254 |
| Return on Equity (ROE) | 3.8009% | 5,130 |
| Retained earnings to average equity (ytd only) | 3.8009% | 3,847 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.3608% | 619 |
| Assets per employee ($millions) | 0.5591% | 6,689 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9301% | 5,774 |
| 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 | 57.5998% | 3,916 |
| Net loans and leases to deposits | 92.6097% | 907 |
| Net loans and leases to core deposits | 94.2357% | 1,530 |
| Total domestic deposits to total assets | 62.1963% | 6,621 |
| Equity capital to assets | 20.2329% | 205 |
| Core capital (leverage) ratio | 16.2000% | 460 |
| Tier 1 risk-based capital ratio | 24.8148% | 909 |
| Total risk-based capital ratio | 25.6984% | 930 |
| Memoranda: | ||
| Average total assets | $24,071,000 | 6,563 |
| Average earning assets | $20,461,000 | 6,571 |
| Average equity | $4,841,000 | 6,036 |
| Average total loans | $15,907,000 | 6,310 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5029% | 2,190 |
| Cost of funding earning assets | 0.1532% | 6,523 |
| Net interest margin | 4.3497% | 1,004 |
| Noninterest income to average assets | 18.8641% | 40 |
| Noninterest expense to average assets | 21.6976% | 33 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.6926% | 3,826 |
| Return on assets (ROA) | 0.6926% | 3,923 |
| Pretax return on assets | 0.9519% | 3,552 |
| Return on Equity (ROE) | 3.8123% | 5,194 |
| Retained earnings to average equity (ytd only) | 3.8123% | 3,490 |
| Net charge-offs to loans | 0.0107% | 5,238 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 128.5000% | 364 |
| Efficiency ratio | 95.7972% | 654 |
| Assets per employee ($millions) | 0.4548% | 6,773 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7288% | 6,309 |
| 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 | 73.4669% | 1,441 |
| Net loans and leases to deposits | 117.4204% | 86 |
| Net loans and leases to core deposits | 119.4643% | 341 |
| Total domestic deposits to total assets | 62.5674% | 6,692 |
| Equity capital to assets | 19.9900% | 209 |
| Core capital (leverage) ratio | 14.5234% | 685 |
| Tier 1 risk-based capital ratio | 24.0189% | 953 |
| Total risk-based capital ratio | 24.8851% | 983 |
| Memoranda: | ||
| Average total assets | $26,998,400 | 6,585 |
| Average earning assets | $23,495,800 | 6,589 |
| Average equity | $4,905,200 | 6,090 |
| Average total loans | $18,678,000 | 6,267 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2212% | 3,311 |
| Cost of funding earning assets | 0.1541% | 6,620 |
| Net interest margin | 4.0671% | 1,736 |
| Noninterest income to average assets | 19.5504% | 39 |
| Noninterest expense to average assets | 22.3640% | 33 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.7407% | 3,645 |
| Return on assets (ROA) | 0.7407% | 3,771 |
| Pretax return on assets | 0.7407% | 4,528 |
| Return on Equity (ROE) | 4.1674% | 5,145 |
| Retained earnings to average equity (ytd only) | 4.1674% | 3,720 |
| Net charge-offs to loans | 0.0141% | 4,851 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 76.9026% | 612 |
| Efficiency ratio | 96.7943% | 584 |
| Assets per employee ($millions) | 0.4892% | 6,853 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7333% | 6,399 |
| 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 | 64.2416% | 2,963 |
| Net loans and leases to deposits | 114.3089% | 113 |
| Net loans and leases to core deposits | 116.2341% | 387 |
| Total domestic deposits to total assets | 56.2000% | 6,813 |
| Equity capital to assets | 18.1128% | 314 |
| Core capital (leverage) ratio | 14.4492% | 747 |
| Tier 1 risk-based capital ratio | 30.8610% | 481 |
| Total risk-based capital ratio | 31.9312% | 484 |
| Memoranda: | ||
| Average total assets | $27,722,500 | 6,647 |
| Average earning assets | $24,226,250 | 6,645 |
| Average equity | $4,927,000 | 6,159 |
| Average total loans | $18,888,250 | 6,322 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2101% | 3,326 |
| Cost of funding earning assets | 0.1562% | 6,689 |
| Net interest margin | 4.0538% | 1,680 |
| Noninterest income to average assets | 19.5389% | 41 |
| Noninterest expense to average assets | 21.3642% | 36 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.7175% | 605 |
| Return on assets (ROA) | 1.7175% | 658 |
| Pretax return on assets | 1.7175% | 1,079 |
| Return on Equity (ROE) | 9.7247% | 2,306 |
| Retained earnings to average equity (ytd only) | 9.7247% | 906 |
| Net charge-offs to loans | 0.0208% | 4,427 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 119.5000% | 404 |
| Efficiency ratio | 92.5592% | 856 |
| Assets per employee ($millions) | 0.4788% | 6,902 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7259% | 6,464 |
| Loan loss allowance to noncurrent loans | 2,600.0000% | 233 |
| Noncurrent assets plus other real estate owned to assets | 0.0186% | 6,487 |
| Noncurrent loans to loans | 0.0279% | 6,327 |
| Net loans and leases to total assets | 66.3061% | 2,538 |
| Net loans and leases to deposits | 113.9396% | 97 |
| Net loans and leases to core deposits | 115.8402% | 392 |
| Total domestic deposits to total assets | 58.1941% | 6,847 |
| Equity capital to assets | 18.8237% | 263 |
| Core capital (leverage) ratio | 14.7843% | 651 |
| Tier 1 risk-based capital ratio | 23.1145% | 1,118 |
| Total risk-based capital ratio | 23.8982% | 1,168 |
| Memoranda: | ||
| Average total assets | $27,831,670 | 6,697 |
| Average earning assets | $24,322,670 | 6,694 |
| Average equity | $4,915,330 | 6,210 |
| Average total loans | $19,274,670 | 6,343 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2620% | 3,051 |
| Cost of funding earning assets | 0.1614% | 6,759 |
| Net interest margin | 4.1006% | 1,462 |
| Noninterest income to average assets | 16.5693% | 47 |
| Noninterest expense to average assets | 18.9828% | 41 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.1714% | 1,611 |
| Return on assets (ROA) | 1.1714% | 1,720 |
| Pretax return on assets | 1.1714% | 2,680 |
| Return on Equity (ROE) | 6.8461% | 3,572 |
| Retained earnings to average equity (ytd only) | 6.8461% | 2,230 |
| Net charge-offs to loans | 0.0401% | 3,474 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 41.5000% | 765 |
| Efficiency ratio | 94.1877% | 826 |
| Assets per employee ($millions) | 0.5477% | 6,976 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7053% | 6,588 |
| Loan loss allowance to noncurrent loans | 1,625.0000% | 317 |
| Noncurrent assets plus other real estate owned to assets | 0.0286% | 6,523 |
| Noncurrent loans to loans | 0.0434% | 6,350 |
| Net loans and leases to total assets | 65.5175% | 2,453 |
| Net loans and leases to deposits | 108.7210% | 144 |
| Net loans and leases to core deposits | 110.4000% | 486 |
| Total domestic deposits to total assets | 60.2621% | 6,913 |
| Equity capital to assets | 17.5098% | 369 |
| Core capital (leverage) ratio | 13.8897% | 828 |
| Tier 1 risk-based capital ratio | 16.6102% | 2,947 |
| Total risk-based capital ratio | 17.1973% | 3,263 |
| Memoranda: | ||
| Average total assets | $28,341,500 | 6,750 |
| Average earning assets | $24,777,000 | 6,753 |
| Average equity | $4,849,500 | 6,288 |
| Average total loans | $19,958,000 | 6,360 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9309% | 1,747 |
| Cost of funding earning assets | 0.2279% | 6,760 |
| Net interest margin | 4.7030% | 644 |
| Noninterest income to average assets | 15.1162% | 51 |
| Noninterest expense to average assets | 16.9948% | 46 |
| Loan and lease loss provision to assets | 0.0076% | 5,826 |
| Net operating income to assets | 2.1860% | 260 |
| Return on assets (ROA) | 2.1860% | 286 |
| Pretax return on assets | 2.1860% | 422 |
| Return on Equity (ROE) | 12.3330% | 1,408 |
| Retained earnings to average equity (ytd only) | 8.0079% | 1,121 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.5680% | 1,188 |
| Assets per employee ($millions) | 0.6117% | 7,039 |
| Cash dividends to net income (ytd only)* | 35.0694% | 3,129 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6144% | 6,740 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 74.2713% | 1,157 |
| Net loans and leases to deposits | 125.5394% | 54 |
| Net loans and leases to core deposits | 127.4578% | 205 |
| Total domestic deposits to total assets | 59.1617% | 6,978 |
| Equity capital to assets | 16.7235% | 447 |
| Core capital (leverage) ratio | 13.8120% | 854 |
| Tier 1 risk-based capital ratio | 16.5098% | 2,882 |
| Total risk-based capital ratio | 17.1160% | 3,192 |
| Memoranda: | ||
| Average total assets | $26,349,200 | 6,833 |
| Average earning assets | $22,815,200 | 6,843 |
| Average equity | $4,670,400 | 6,395 |
| Average total loans | $18,463,200 | 6,488 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1034% | 1,419 |
| Cost of funding earning assets | 0.2456% | 6,827 |
| Net interest margin | 4.8579% | 516 |
| Noninterest income to average assets | 14.4986% | 54 |
| Noninterest expense to average assets | 16.5232% | 47 |
| Loan and lease loss provision to assets | 0.0104% | 5,677 |
| Net operating income to assets | 2.1644% | 306 |
| Return on assets (ROA) | 2.1644% | 338 |
| Pretax return on assets | 2.1644% | 511 |
| Return on Equity (ROE) | 12.0216% | 1,631 |
| Retained earnings to average equity (ytd only) | 8.4840% | 1,414 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.3689% | 1,154 |
| Assets per employee ($millions) | 0.7698% | 7,130 |
| Cash dividends to net income (ytd only)* | 29.4265% | 2,664 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6505% | 6,809 |
| Loan loss allowance to noncurrent loans | 133.3333% | 2,524 |
| Noncurrent assets plus other real estate owned to assets | 0.3476% | 5,816 |
| Noncurrent loans to loans | 0.4879% | 5,472 |
| Net loans and leases to total assets | 70.7791% | 1,764 |
| Net loans and leases to deposits | 114.4154% | 104 |
| Net loans and leases to core deposits | 116.0889% | 383 |
| Total domestic deposits to total assets | 61.8615% | 7,044 |
| Equity capital to assets | 16.6029% | 516 |
| Core capital (leverage) ratio | 13.6232% | 971 |
| Tier 1 risk-based capital ratio | 21.4967% | 1,423 |
| Total risk-based capital ratio | 22.3037% | 1,481 |
| Memoranda: | ||
| Average total assets | $25,749,000 | 6,935 |
| Average earning assets | $22,259,000 | 6,946 |
| Average equity | $4,636,000 | 6,477 |
| Average total loans | $17,707,750 | 6,609 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3019% | 1,053 |
| Cost of funding earning assets | 0.2595% | 6,880 |
| Net interest margin | 5.0424% | 374 |
| Noninterest income to average assets | 15.4362% | 52 |
| Noninterest expense to average assets | 16.9823% | 49 |
| Loan and lease loss provision to assets | 0.0081% | 5,556 |
| Net operating income to assets | 2.8264% | 118 |
| Return on assets (ROA) | 2.8264% | 124 |
| Pretax return on assets | 2.8264% | 190 |
| Return on Equity (ROE) | 15.2443% | 895 |
| Retained earnings to average equity (ytd only) | 15.2443% | 272 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.6969% | 1,461 |
| Assets per employee ($millions) | 0.6224% | 7,200 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7178% | 6,806 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 83.1757% | 257 |
| Net loans and leases to deposits | 106.6953% | 212 |
| Net loans and leases to core deposits | 108.3154% | 649 |
| Total domestic deposits to total assets | 77.9563% | 6,162 |
| Equity capital to assets | 21.9611% | 160 |
| Core capital (leverage) ratio | 14.0408% | 793 |
| Tier 1 risk-based capital ratio | 25.3694% | 869 |
| Total risk-based capital ratio | 26.3001% | 883 |
| Memoranda: | ||
| Average total assets | $24,837,670 | 7,015 |
| Average earning assets | $21,577,000 | 7,019 |
| Average equity | $4,605,000 | 6,513 |
| Average total loans | $16,846,330 | 6,699 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9173% | 2,176 |
| Cost of funding earning assets | 0.2616% | 6,976 |
| Net interest margin | 4.6557% | 741 |
| Noninterest income to average assets | 13.9582% | 54 |
| Noninterest expense to average assets | 15.5360% | 48 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 2.4730% | 188 |
| Return on assets (ROA) | 2.4730% | 227 |
| Pretax return on assets | 2.4730% | 345 |
| Return on Equity (ROE) | 14.4392% | 1,093 |
| Retained earnings to average equity (ytd only) | 14.4392% | 519 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.2679% | 1,455 |
| Assets per employee ($millions) | 1.0605% | 7,246 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8608% | 6,622 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 56.4763% | 4,296 |
| Net loans and leases to deposits | 94.8559% | 613 |
| Net loans and leases to core deposits | 96.4072% | 1,262 |
| Total domestic deposits to total assets | 59.5391% | 7,199 |
| Equity capital to assets | 17.3393% | 390 |
| Core capital (leverage) ratio | 13.6501% | 890 |
| Tier 1 risk-based capital ratio | 17.2223% | 2,595 |
| Total risk-based capital ratio | 17.8839% | 2,804 |
| Memoranda: | ||
| Average total assets | $26,364,500 | 7,041 |
| Average earning assets | $22,939,500 | 7,048 |
| Average equity | $4,515,500 | 6,578 |
| Average total loans | $16,144,500 | 6,787 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2049% | 2,040 |
| Cost of funding earning assets | 0.3479% | 7,015 |
| Net interest margin | 4.8569% | 562 |
| Noninterest income to average assets | 8.1429% | 76 |
| Noninterest expense to average assets | 11.3946% | 67 |
| Loan and lease loss provision to assets | 0.0311% | 6,178 |
| Net operating income to assets | 0.8392% | 2,882 |
| Return on assets (ROA) | 0.8392% | 3,037 |
| Pretax return on assets | 0.8392% | 3,827 |
| Return on Equity (ROE) | 4.8120% | 4,475 |
| Retained earnings to average equity (ytd only) | 1.5817% | 5,083 |
| Net charge-offs to loans | 0.0205% | 6,155 |
| Credit loss provision to net charge-offs | 266.6667% | 898 |
| Earnings coverage of net charge-offs (x) | 74.6667% | 404 |
| Efficiency ratio | 92.9047% | 988 |
| Assets per employee ($millions) | 1.0083% | 7,299 |
| Cash dividends to net income (ytd only)* | 67.1296% | 1,263 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7564% | 6,826 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 65.0570% | 2,971 |
| Net loans and leases to deposits | 108.9492% | 190 |
| Net loans and leases to core deposits | 110.7461% | 597 |
| Total domestic deposits to total assets | 59.7132% | 7,231 |
| Equity capital to assets | 16.9127% | 456 |
| Core capital (leverage) ratio | 13.5770% | 941 |
| Tier 1 risk-based capital ratio | 15.5289% | 3,308 |
| Total risk-based capital ratio | 16.1556% | 3,670 |
| Memoranda: | ||
| Average total assets | $25,740,200 | 7,080 |
| Average earning assets | $21,845,000 | 7,113 |
| Average equity | $4,488,800 | 6,601 |
| Average total loans | $14,661,400 | 6,922 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9135% | 3,493 |
| Cost of funding earning assets | 0.3699% | 7,087 |
| Net interest margin | 4.5436% | 1,058 |
| Noninterest income to average assets | 8.0453% | 77 |
| Noninterest expense to average assets | 10.2569% | 72 |
| Loan and lease loss provision to assets | 0.0416% | 5,913 |
| Net operating income to assets | 1.5820% | 797 |
| Return on assets (ROA) | 1.5820% | 872 |
| Pretax return on assets | 1.5820% | 1,428 |
| Return on Equity (ROE) | 9.0021% | 2,596 |
| Retained earnings to average equity (ytd only) | 9.0021% | 1,146 |
| Net charge-offs to loans | 0.0285% | 5,752 |
| Credit loss provision to net charge-offs | 266.6667% | 1,072 |
| Earnings coverage of net charge-offs (x) | 103.9975% | 349 |
| Efficiency ratio | 86.3338% | 1,500 |
| Assets per employee ($millions) | 0.9722% | 7,376 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9589% | 6,424 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 53.1173% | 5,301 |
| Net loans and leases to deposits | 81.5487% | 2,439 |
| Net loans and leases to core deposits | 81.5487% | 3,397 |
| Total domestic deposits to total assets | 65.1357% | 7,225 |
| Equity capital to assets | 18.4627% | 349 |
| Core capital (leverage) ratio | 14.3088% | 813 |
| Tier 1 risk-based capital ratio | 18.1474% | 2,202 |
| Total risk-based capital ratio | 18.8305% | 2,383 |
| Memoranda: | ||
| Average total assets | $25,621,000 | 7,157 |
| Average earning assets | $21,626,750 | 7,188 |
| Average equity | $4,502,500 | 6,639 |
| Average total loans | $14,030,250 | 7,018 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6715% | 4,652 |
| Cost of funding earning assets | 0.3825% | 7,168 |
| Net interest margin | 4.2890% | 1,709 |
| Noninterest income to average assets | 7.5616% | 87 |
| Noninterest expense to average assets | 9.7920% | 76 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.4299% | 1,023 |
| Return on assets (ROA) | 1.4299% | 1,083 |
| Pretax return on assets | 1.4299% | 1,723 |
| Return on Equity (ROE) | 8.2740% | 2,818 |
| Retained earnings to average equity (ytd only) | 8.2740% | 1,351 |
| Net charge-offs to loans | 0.0423% | 5,265 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 61.3333% | 532 |
| Efficiency ratio | 87.2576% | 1,485 |
| Assets per employee ($millions) | 0.9000% | 7,454 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8321% | 6,811 |
| Loan loss allowance to noncurrent loans | 938.4615% | 392 |
| Noncurrent assets plus other real estate owned to assets | 0.0498% | 6,973 |
| Noncurrent loans to loans | 0.0887% | 6,763 |
| Net loans and leases to total assets | 55.7088% | 5,036 |
| Net loans and leases to deposits | 83.4960% | 2,182 |
| Net loans and leases to core deposits | 83.4960% | 3,288 |
| Total domestic deposits to total assets | 66.7203% | 7,244 |
| Equity capital to assets | 17.4215% | 439 |
| Core capital (leverage) ratio | 13.5501% | 981 |
| Tier 1 risk-based capital ratio | 17.1714% | 2,452 |
| Total risk-based capital ratio | 17.7998% | 2,673 |
| Memoranda: | ||
| Average total assets | $25,735,330 | 7,220 |
| Average earning assets | $21,963,000 | 7,248 |
| Average equity | $4,447,670 | 6,698 |
| Average total loans | $14,188,000 | 7,078 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6575% | 4,711 |
| Cost of funding earning assets | 0.3897% | 7,238 |
| Net interest margin | 4.2679% | 1,673 |
| Noninterest income to average assets | 6.8407% | 104 |
| Noninterest expense to average assets | 9.3453% | 80 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.0958% | 1,856 |
| Return on assets (ROA) | 1.0958% | 1,900 |
| Pretax return on assets | 1.0958% | 2,770 |
| Return on Equity (ROE) | 6.3665% | 3,694 |
| Retained earnings to average equity (ytd only) | 6.3665% | 2,439 |
| Net charge-offs to loans | 0.0860% | 4,096 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 23.3333% | 1,019 |
| Efficiency ratio | 89.5052% | 1,376 |
| Assets per employee ($millions) | 0.8071% | 7,520 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9103% | 6,672 |
| 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 | 51.4171% | 5,659 |
| Net loans and leases to deposits | 76.9677% | 3,261 |
| Net loans and leases to core deposits | 76.9677% | 4,166 |
| Total domestic deposits to total assets | 66.8035% | 7,306 |
| Equity capital to assets | 17.1635% | 429 |
| Core capital (leverage) ratio | 13.2888% | 1,030 |
| Tier 1 risk-based capital ratio | 16.0823% | 2,866 |
| Total risk-based capital ratio | 16.6916% | 3,140 |
| Memoranda: | ||
| Average total assets | $25,553,000 | 7,276 |
| Average earning assets | $21,556,500 | 7,309 |
| Average equity | $4,398,000 | 6,748 |
| Average total loans | $13,951,000 | 7,142 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8465% | 5,246 |
| Cost of funding earning assets | 0.4349% | 7,392 |
| Net interest margin | 4.4115% | 1,440 |
| Noninterest income to average assets | 10.8481% | 61 |
| Noninterest expense to average assets | 11.8495% | 67 |
| Loan and lease loss provision to assets | 0.4126% | 3,632 |
| Net operating income to assets | 2.2067% | 198 |
| Return on assets (ROA) | 2.2067% | 203 |
| Pretax return on assets | 2.2067% | 317 |
| Return on Equity (ROE) | 12.2058% | 1,276 |
| Retained earnings to average equity (ytd only) | 11.8211% | 288 |
| Net charge-offs to loans | 0.0355% | 6,448 |
| Credit loss provision to net charge-offs | 2,225.0000% | 102 |
| Earnings coverage of net charge-offs (x) | 141.2500% | 175 |
| Efficiency ratio | 81.8968% | 2,180 |
| Assets per employee ($millions) | 0.7022% | 7,608 |
| Cash dividends to net income (ytd only)* | 3.1513% | 3,903 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8621% | 6,816 |
| 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 | 56.8676% | 5,205 |
| Net loans and leases to deposits | 85.6879% | 2,154 |
| Net loans and leases to core deposits | 87.1423% | 3,164 |
| Total domestic deposits to total assets | 66.3660% | 7,378 |
| Equity capital to assets | 17.2601% | 428 |
| Core capital (leverage) ratio | 13.0149% | 1,125 |
| Tier 1 risk-based capital ratio | 16.7277% | 2,448 |
| Total risk-based capital ratio | 17.3915% | 2,637 |
| Memoranda: | ||
| Average total assets | $21,570,600 | 7,433 |
| Average earning assets | $17,703,600 | 7,456 |
| Average equity | $3,899,800 | 7,028 |
| Average total loans | $11,282,400 | 7,337 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7056% | 5,996 |
| Cost of funding earning assets | 0.4040% | 7,566 |
| Net interest margin | 4.3016% | 1,846 |
| Noninterest income to average assets | 11.1282% | 60 |
| Noninterest expense to average assets | 11.8903% | 64 |
| Loan and lease loss provision to assets | 0.4521% | 3,211 |
| Net operating income to assets | 2.2928% | 193 |
| Return on assets (ROA) | 2.2928% | 209 |
| Pretax return on assets | 2.2928% | 349 |
| Return on Equity (ROE) | 12.5085% | 1,384 |
| Retained earnings to average equity (ytd only) | 12.5085% | 399 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.2445% | 2,164 |
| Assets per employee ($millions) | 0.6521% | 7,716 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9077% | 6,720 |
| Loan loss allowance to noncurrent loans | 687.5000% | 487 |
| Noncurrent assets plus other real estate owned to assets | 0.0646% | 7,181 |
| Noncurrent loans to loans | 0.1320% | 6,913 |
| Net loans and leases to total assets | 48.4604% | 6,477 |
| Net loans and leases to deposits | 73.3268% | 4,633 |
| Net loans and leases to core deposits | 74.6024% | 5,218 |
| Total domestic deposits to total assets | 66.0882% | 7,467 |
| Equity capital to assets | 17.1799% | 499 |
| Core capital (leverage) ratio | 13.4132% | 1,086 |
| Tier 1 risk-based capital ratio | 15.5362% | 2,979 |
| Total risk-based capital ratio | 16.0976% | 3,304 |
| Memoranda: | ||
| Average total assets | $20,643,750 | 7,546 |
| Average earning assets | $16,830,500 | 7,573 |
| Average equity | $3,784,000 | 7,154 |
| Average total loans | $10,478,000 | 7,467 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4373% | 6,826 |
| Cost of funding earning assets | 0.4464% | 7,612 |
| Net interest margin | 3.9910% | 3,062 |
| Noninterest income to average assets | 9.4989% | 69 |
| Noninterest expense to average assets | 11.0769% | 67 |
| Loan and lease loss provision to assets | 0.4049% | 3,290 |
| Net operating income to assets | 1.1731% | 1,636 |
| Return on assets (ROA) | 1.1731% | 1,700 |
| Pretax return on assets | 1.1731% | 2,502 |
| Return on Equity (ROE) | 6.2322% | 3,682 |
| Retained earnings to average equity (ytd only) | 6.2322% | 2,209 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.5308% | 1,554 |
| Assets per employee ($millions) | 0.5709% | 7,788 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5817% | 7,435 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 60.6423% | 4,940 |
| Net loans and leases to deposits | 90.1516% | 1,825 |
| Net loans and leases to core deposits | 93.4394% | 2,799 |
| Total domestic deposits to total assets | 67.2670% | 7,463 |
| Equity capital to assets | 16.6854% | 573 |
| Core capital (leverage) ratio | 14.0019% | 924 |
| Tier 1 risk-based capital ratio | 15.1545% | 3,079 |
| Total risk-based capital ratio | 15.6329% | 3,473 |
| Memoranda: | ||
| Average total assets | $19,265,330 | 7,644 |
| Average earning assets | $15,234,330 | 7,680 |
| Average equity | $3,626,330 | 7,232 |
| Average total loans | $9,931,330 | 7,557 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0578% | 7,409 |
| Cost of funding earning assets | 0.5003% | 7,673 |
| Net interest margin | 3.5575% | 4,909 |
| Noninterest income to average assets | 6.8447% | 99 |
| Noninterest expense to average assets | 9.7267% | 78 |
| Loan and lease loss provision to assets | 0.9006% | 1,413 |
| Net operating income to assets | -0.9006% | 7,059 |
| Return on assets (ROA) | -0.9006% | 7,086 |
| Pretax return on assets | -0.9006% | 7,002 |
| Return on Equity (ROE) | -4.4668% | 6,854 |
| Retained earnings to average equity (ytd only) | -4.4668% | 6,547 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.0000% | 837 |
| Assets per employee ($millions) | 1.9381% | 7,693 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8436% | 7,014 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 53.2363% | 6,124 |
| Net loans and leases to deposits | 75.2878% | 4,531 |
| Net loans and leases to core deposits | 75.2878% | 5,361 |
| Total domestic deposits to total assets | 70.7103% | 7,366 |
| Equity capital to assets | 20.4208% | 264 |
| Core capital (leverage) ratio | 14.0844% | 941 |
| Tier 1 risk-based capital ratio | 17.0836% | 2,239 |
| Total risk-based capital ratio | 17.6582% | 2,441 |
| Memoranda: | ||
| Average total assets | $17,765,500 | 7,775 |
| Average earning assets | $14,392,000 | 7,795 |
| Average equity | $3,582,000 | 7,318 |
| Average total loans | $8,106,500 | 7,723 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1573% | 7,624 |
| Cost of funding earning assets | 0.7291% | 7,651 |
| Net interest margin | 3.4282% | 5,259 |
| Noninterest income to average assets | 2.7626% | 246 |
| Noninterest expense to average assets | 5.2451% | 446 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.2032% | 4,895 |
| Return on assets (ROA) | 0.2032% | 4,953 |
| Pretax return on assets | 0.2032% | 5,000 |
| Return on Equity (ROE) | 1.0241% | 5,225 |
| Retained earnings to average equity (ytd only) | -0.4428% | 5,078 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.2702% | 1,303 |
| Assets per employee ($millions) | 2.0098% | 7,724 |
| Cash dividends to net income (ytd only)* | 143.2432% | 309 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5695% | 7,598 |
| Loan loss allowance to noncurrent loans | 216.6667% | 1,381 |
| Noncurrent assets plus other real estate owned to assets | 0.0995% | 7,248 |
| Noncurrent loans to loans | 0.2629% | 6,770 |
| Net loans and leases to total assets | 37.6437% | 7,458 |
| Net loans and leases to deposits | 52.8608% | 7,115 |
| Net loans and leases to core deposits | 59.0956% | 7,297 |
| Total domestic deposits to total assets | 71.2130% | 7,315 |
| Equity capital to assets | 19.9138% | 299 |
| Core capital (leverage) ratio | 14.2355% | 942 |
| Tier 1 risk-based capital ratio | 15.3604% | 2,780 |
| Total risk-based capital ratio | 15.6111% | 3,236 |
| Memoranda: | ||
| Average total assets | $18,207,600 | 7,823 |
| Average earning assets | $14,264,200 | 7,862 |
| Average equity | $3,613,000 | 7,412 |
| Average total loans | $5,020,400 | 7,891 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4328% | 7,578 |
| Cost of funding earning assets | 0.7861% | 7,713 |
| Net interest margin | 3.6466% | 4,288 |
| Noninterest income to average assets | 1.7839% | 459 |
| Noninterest expense to average assets | 4.3207% | 889 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.2778% | 4,871 |
| Return on assets (ROA) | 0.2778% | 4,979 |
| Pretax return on assets | 0.2778% | 5,115 |
| Return on Equity (ROE) | 1.4014% | 5,372 |
| Retained earnings to average equity (ytd only) | -0.5164% | 5,353 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.9587% | 1,402 |
| Assets per employee ($millions) | 1.8836% | 7,862 |
| Cash dividends to net income (ytd only)* | 136.8265% | 326 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5986% | 7,583 |
| Loan loss allowance to noncurrent loans | 169.5652% | 1,721 |
| Noncurrent assets plus other real estate owned to assets | 0.1357% | 7,206 |
| Noncurrent loans to loans | 0.3530% | 6,646 |
| Net loans and leases to total assets | 38.2020% | 7,541 |
| Net loans and leases to deposits | 49.1090% | 7,452 |
| Net loans and leases to core deposits | 56.8319% | 7,517 |
| Total domestic deposits to total assets | 77.7902% | 6,147 |
| Equity capital to assets | 21.2600% | 271 |
| Core capital (leverage) ratio | 14.3941% | 982 |
| Tier 1 risk-based capital ratio | 16.4635% | 2,446 |
| Total risk-based capital ratio | 16.7321% | 2,775 |
| Memoranda: | ||
| Average total assets | $18,237,500 | 7,900 |
| Average earning assets | $14,076,500 | 7,947 |
| Average equity | $3,615,750 | 7,475 |
| Average total loans | $4,563,500 | 7,981 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2590% | 7,795 |
| Cost of funding earning assets | 0.8243% | 7,789 |
| Net interest margin | 3.4347% | 5,049 |
| Noninterest income to average assets | 0.8143% | 2,341 |
| Noninterest expense to average assets | 3.1823% | 3,381 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.3107% | 4,845 |
| Return on assets (ROA) | 0.3107% | 4,961 |
| Pretax return on assets | 0.3107% | 5,189 |
| Return on Equity (ROE) | 1.6024% | 5,429 |
| Retained earnings to average equity (ytd only) | -1.2708% | 5,557 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.1043% | 1,719 |
| Assets per employee ($millions) | 2.2956% | 7,557 |
| Cash dividends to net income (ytd only)* | 179.3103% | 272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8086% | 7,124 |
| Loan loss allowance to noncurrent loans | 780.0000% | 438 |
| Noncurrent assets plus other real estate owned to assets | 0.0272% | 7,550 |
| Noncurrent loans to loans | 0.1037% | 7,266 |
| Net loans and leases to total assets | 26.0496% | 7,961 |
| Net loans and leases to deposits | 32.7425% | 7,959 |
| Net loans and leases to core deposits | 37.0881% | 7,963 |
| Total domestic deposits to total assets | 79.5589% | 5,620 |
| Equity capital to assets | 19.5753% | 413 |
| Core capital (leverage) ratio | 14.0332% | 1,132 |
| Tier 1 risk-based capital ratio | 15.5962% | 2,771 |
| Total risk-based capital ratio | 15.8515% | 3,133 |
| Memoranda: | ||
| Average total assets | $18,666,000 | 7,972 |
| Average earning assets | $14,557,330 | 8,022 |
| Average equity | $3,619,670 | 7,533 |
| Average total loans | $3,913,000 | 8,090 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1962% | 7,908 |
| Cost of funding earning assets | 0.8709% | 7,843 |
| Net interest margin | 3.3253% | 5,421 |
| Noninterest income to average assets | 0.7653% | 2,504 |
| Noninterest expense to average assets | 2.8486% | 4,340 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.5952% | 4,036 |
| Return on assets (ROA) | 0.5952% | 4,232 |
| Pretax return on assets | 0.5952% | 4,769 |
| Return on Equity (ROE) | 3.0837% | 5,337 |
| Retained earnings to average equity (ytd only) | 3.0837% | 4,159 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.7160% | 2,448 |
| Assets per employee ($millions) | 3.0075% | 6,132 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1317% | 5,249 |
| Loan loss allowance to noncurrent loans | 3,900.0000% | 131 |
| Noncurrent assets plus other real estate owned to assets | 0.0055% | 7,635 |
| Noncurrent loans to loans | 0.0290% | 7,469 |
| Net loans and leases to total assets | 18.8806% | 8,097 |
| Net loans and leases to deposits | 23.9155% | 8,103 |
| Net loans and leases to core deposits | 26.9562% | 8,105 |
| Total domestic deposits to total assets | 78.9471% | 5,750 |
| Equity capital to assets | 20.2050% | 406 |
| Core capital (leverage) ratio | 14.0158% | 1,188 |
| Tier 1 risk-based capital ratio | 16.3871% | 2,557 |
| Total risk-based capital ratio | 16.6498% | 2,825 |
| Memoranda: | ||
| Average total assets | $18,816,500 | 8,013 |
| Average earning assets | $15,156,500 | 8,048 |
| Average equity | $3,632,000 | 7,582 |
| Average total loans | $3,458,000 | 8,154 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4556% | 8,041 |
| Cost of funding earning assets | 1.2082% | 7,935 |
| Net interest margin | 3.2474% | 6,221 |
| Noninterest income to average assets | 0.7573% | 2,742 |
| Noninterest expense to average assets | 2.6505% | 5,443 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.7783% | 3,532 |
| Return on assets (ROA) | 0.7783% | 3,373 |
| Pretax return on assets | 0.7783% | 4,148 |
| Return on Equity (ROE) | 4.1378% | 4,766 |
| Retained earnings to average equity (ytd only) | 1.8732% | 4,061 |
| Net charge-offs to loans | 0.0308% | 6,394 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 148.0000% | 308 |
| Efficiency ratio | 77.3006% | 3,036 |
| Assets per employee ($millions) | 3.2647% | 5,303 |
| Cash dividends to net income (ytd only)* | 54.7297% | 2,901 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1239% | 5,105 |
| Loan loss allowance to noncurrent loans | 3,900.0000% | 167 |
| Noncurrent assets plus other real estate owned to assets | 0.0051% | 7,631 |
| Noncurrent loans to loans | 0.0288% | 7,395 |
| Net loans and leases to total assets | 17.5158% | 8,176 |
| Net loans and leases to deposits | 21.7028% | 8,186 |
| Net loans and leases to core deposits | 24.9183% | 8,181 |
| Total domestic deposits to total assets | 80.7076% | 4,771 |
| Equity capital to assets | 18.4705% | 603 |
| Core capital (leverage) ratio | 13.1306% | 1,509 |
| Tier 1 risk-based capital ratio | 17.6113% | 2,147 |
| Total risk-based capital ratio | 17.8969% | 2,368 |
| Memoranda: | ||
| Average total assets | $19,015,200 | 8,049 |
| Average earning assets | $15,643,400 | 8,091 |
| Average equity | $3,576,800 | 7,651 |
| Average total loans | $3,244,200 | 8,214 |