Home > Catlin Bank > Performance and Condition Ratios
Catlin Bank, Performance and Condition Ratios
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4225% | 2,487 |
| Cost of funding earning assets | 1.1376% | 1,636 |
| Net interest margin | 3.2848% | 2,917 |
| Noninterest income to average assets | 0.9500% | 617 |
| Noninterest expense to average assets | 4.2836% | 306 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | -0.1911% | 4,549 |
| Return on assets (ROA) | -0.1911% | 4,536 |
| Pretax return on assets | -0.3496% | 4,550 |
| Return on Equity (ROE) | -2.2000% | 4,511 |
| Retained earnings to average equity (ytd only) | -85.3391% | 4,685 |
| Net charge-offs to loans | 0.0490% | 878 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | -15.0000% | 4,669 |
| Efficiency ratio | 108.8863% | 106 |
| Assets per employee ($millions) | 4.5657% | 3,978 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9348% | 3,764 |
| Loan loss allowance to noncurrent loans | 494.8718% | 1,653 |
| Noncurrent assets plus other real estate owned to assets | 0.0899% | 2,911 |
| Noncurrent loans to loans | 0.1889% | 2,529 |
| Net loans and leases to total assets | 47.1500% | 3,697 |
| Net loans and leases to deposits | 51.6699% | 3,811 |
| Net loans and leases to core deposits | 53.0338% | 3,870 |
| Total domestic deposits to total assets | 91.2600% | 716 |
| Equity capital to assets | 7.8999% | 3,314 |
| Core capital (leverage) ratio | 8.4955% | 4,152 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.4276% | 704 |
| Memoranda: | ||
| Average total assets | $85,816,500 | 4,043 |
| Average earning assets | $78,056,000 | 4,034 |
| Average equity | $7,462,000 | 4,067 |
| Average total loans | $40,850,500 | 4,054 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6616% | 2,639 |
| Cost of funding earning assets | 0.4147% | 1,979 |
| Net interest margin | 3.2469% | 2,714 |
| Noninterest income to average assets | 1.1900% | 483 |
| Noninterest expense to average assets | 3.1039% | 831 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.8249% | 3,237 |
| Return on assets (ROA) | 0.8249% | 3,171 |
| Pretax return on assets | 1.0684% | 2,867 |
| Return on Equity (ROE) | 8.6500% | 3,216 |
| Retained earnings to average equity (ytd only) | 4.4485% | 3,253 |
| Net charge-offs to loans | 0.1008% | 732 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 23.5128% | 1,810 |
| Efficiency ratio | 74.3926% | 1,174 |
| Assets per employee ($millions) | 4.4676% | 4,057 |
| Cash dividends to net income (ytd only)* | 48.5876% | 1,473 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0072% | 3,326 |
| Loan loss allowance to noncurrent loans | 573.2394% | 1,453 |
| Noncurrent assets plus other real estate owned to assets | 0.0836% | 2,964 |
| Noncurrent loans to loans | 0.1757% | 2,604 |
| Net loans and leases to total assets | 47.1200% | 3,731 |
| Net loans and leases to deposits | 52.6751% | 3,754 |
| Net loans and leases to core deposits | 53.7206% | 3,819 |
| Total domestic deposits to total assets | 89.4600% | 1,578 |
| Equity capital to assets | 9.5082% | 2,003 |
| Core capital (leverage) ratio | 10.2226% | 2,441 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.6362% | 387 |
| Memoranda: | ||
| Average total assets | $85,828,000 | 4,062 |
| Average earning assets | $78,845,400 | 4,054 |
| Average equity | $8,182,600 | 4,080 |
| Average total loans | $38,684,400 | 4,087 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4437% | 2,792 |
| Cost of funding earning assets | 0.2878% | 2,304 |
| Net interest margin | 3.1558% | 2,757 |
| Noninterest income to average assets | 1.2800% | 447 |
| Noninterest expense to average assets | 3.0395% | 862 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.8830% | 2,952 |
| Return on assets (ROA) | 0.8830% | 2,919 |
| Pretax return on assets | 1.1480% | 2,559 |
| Return on Equity (ROE) | 9.2600% | 2,950 |
| Retained earnings to average equity (ytd only) | 6.9178% | 2,392 |
| Net charge-offs to loans | 0.0523% | 962 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 49.4000% | 1,293 |
| Efficiency ratio | 72.5860% | 1,435 |
| Assets per employee ($millions) | 4.6105% | 3,972 |
| Cash dividends to net income (ytd only)* | 25.2632% | 2,249 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0762% | 3,120 |
| Loan loss allowance to noncurrent loans | 1,164.8649% | 861 |
| Noncurrent assets plus other real estate owned to assets | 0.0479% | 3,422 |
| Noncurrent loans to loans | 0.0924% | 3,219 |
| Net loans and leases to total assets | 45.2300% | 3,808 |
| Net loans and leases to deposits | 50.3329% | 3,833 |
| Net loans and leases to core deposits | 51.2941% | 3,889 |
| Total domestic deposits to total assets | 89.8500% | 1,724 |
| Equity capital to assets | 9.1588% | 2,113 |
| Core capital (leverage) ratio | 9.9109% | 2,640 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.9234% | 382 |
| Memoranda: | ||
| Average total assets | $86,063,750 | 4,088 |
| Average earning assets | $79,216,250 | 4,071 |
| Average equity | $8,210,500 | 4,118 |
| Average total loans | $38,253,250 | 4,124 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2547% | 2,887 |
| Cost of funding earning assets | 0.1821% | 3,154 |
| Net interest margin | 3.0726% | 2,640 |
| Noninterest income to average assets | 1.3980% | 371 |
| Noninterest expense to average assets | 3.0321% | 810 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.9281% | 2,453 |
| Return on assets (ROA) | 0.9281% | 2,430 |
| Pretax return on assets | 1.2063% | 2,055 |
| Return on Equity (ROE) | 9.5975% | 2,486 |
| Retained earnings to average equity (ytd only) | 7.6877% | 1,733 |
| Net charge-offs to loans | 0.0903% | 624 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 30.3529% | 1,384 |
| Efficiency ratio | 71.5389% | 1,768 |
| Assets per employee ($millions) | 4.2206% | 4,260 |
| Cash dividends to net income (ytd only)* | 19.8992% | 2,466 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1410% | 2,980 |
| Loan loss allowance to noncurrent loans | 1,162.1622% | 833 |
| Noncurrent assets plus other real estate owned to assets | 0.0498% | 3,493 |
| Noncurrent loans to loans | 0.0982% | 3,270 |
| Net loans and leases to total assets | 44.1371% | 3,822 |
| Net loans and leases to deposits | 49.4374% | 3,839 |
| Net loans and leases to core deposits | 50.9198% | 3,881 |
| Total domestic deposits to total assets | 89.2788% | 2,058 |
| Equity capital to assets | 9.7154% | 1,869 |
| Core capital (leverage) ratio | 9.9754% | 2,421 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.5897% | 338 |
| Memoranda: | ||
| Average total assets | $85,552,000 | 4,132 |
| Average earning assets | $79,085,000 | 4,130 |
| Average equity | $8,273,000 | 4,174 |
| Average total loans | $37,654,667 | 4,184 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2372% | 2,579 |
| Cost of funding earning assets | 0.1399% | 3,634 |
| Net interest margin | 3.0973% | 2,182 |
| Noninterest income to average assets | 1.1797% | 498 |
| Noninterest expense to average assets | 2.9865% | 836 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.8314% | 2,552 |
| Return on assets (ROA) | 0.8314% | 2,548 |
| Pretax return on assets | 1.0729% | 2,226 |
| Return on Equity (ROE) | 8.6172% | 2,476 |
| Retained earnings to average equity (ytd only) | 8.6172% | 1,394 |
| Net charge-offs to loans | 0.2444% | 254 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 10.0435% | 1,468 |
| Efficiency ratio | 73.5698% | 1,789 |
| Assets per employee ($millions) | 4.2107% | 4,299 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1250% | 3,217 |
| Loan loss allowance to noncurrent loans | 961.3636% | 930 |
| Noncurrent assets plus other real estate owned to assets | 0.0554% | 3,490 |
| Noncurrent loans to loans | 0.1170% | 3,243 |
| Net loans and leases to total assets | 42.0447% | 3,876 |
| Net loans and leases to deposits | 46.8656% | 3,934 |
| Net loans and leases to core deposits | 48.0410% | 3,978 |
| Total domestic deposits to total assets | 89.7133% | 1,708 |
| Equity capital to assets | 9.2949% | 2,443 |
| Core capital (leverage) ratio | 9.7837% | 2,504 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.8493% | 443 |
| Memoranda: | ||
| Average total assets | $86,122,000 | 4,144 |
| Average earning assets | $80,069,000 | 4,142 |
| Average equity | $8,309,000 | 4,238 |
| Average total loans | $37,638,500 | 4,199 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0514% | 1,244 |
| Cost of funding earning assets | 0.1875% | 3,579 |
| Net interest margin | 3.8639% | 892 |
| Noninterest income to average assets | 1.7692% | 374 |
| Noninterest expense to average assets | 3.4774% | 495 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.4067% | 1,258 |
| Return on assets (ROA) | 1.4067% | 1,317 |
| Pretax return on assets | 1.8738% | 780 |
| Return on Equity (ROE) | 12.9939% | 1,472 |
| Retained earnings to average equity (ytd only) | 12.3417% | 494 |
| Net charge-offs to loans | 0.1018% | 845 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 33.6585% | 1,535 |
| Efficiency ratio | 64.9835% | 2,405 |
| Assets per employee ($millions) | 3.9914% | 4,425 |
| Cash dividends to net income (ytd only)* | 5.0193% | 3,505 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1838% | 2,958 |
| Loan loss allowance to noncurrent loans | 665.6716% | 1,151 |
| Noncurrent assets plus other real estate owned to assets | 0.0799% | 3,387 |
| Noncurrent loans to loans | 0.1778% | 3,053 |
| Net loans and leases to total assets | 44.4171% | 3,810 |
| Net loans and leases to deposits | 49.8968% | 3,891 |
| Net loans and leases to core deposits | 51.2281% | 3,949 |
| Total domestic deposits to total assets | 89.0180% | 1,505 |
| Equity capital to assets | 10.0204% | 2,639 |
| Core capital (leverage) ratio | 11.1925% | 1,448 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.6874% | 360 |
| Memoranda: | ||
| Average total assets | $73,647,600 | 4,298 |
| Average earning assets | $68,272,800 | 4,289 |
| Average equity | $7,973,000 | 4,328 |
| Average total loans | $40,274,200 | 4,180 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2739% | 990 |
| Cost of funding earning assets | 0.2047% | 3,561 |
| Net interest margin | 4.0692% | 690 |
| Noninterest income to average assets | 1.9839% | 360 |
| Noninterest expense to average assets | 3.5196% | 450 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.6689% | 885 |
| Return on assets (ROA) | 1.6689% | 927 |
| Pretax return on assets | 2.2295% | 517 |
| Return on Equity (ROE) | 15.0847% | 1,123 |
| Retained earnings to average equity (ytd only) | 14.2033% | 488 |
| Net charge-offs to loans | 0.0619% | 1,018 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 62.5789% | 1,117 |
| Efficiency ratio | 61.2198% | 2,802 |
| Assets per employee ($millions) | 3.5230% | 4,640 |
| Cash dividends to net income (ytd only)* | 5.8427% | 3,099 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1780% | 3,087 |
| Loan loss allowance to noncurrent loans | 526.9663% | 1,311 |
| Noncurrent assets plus other real estate owned to assets | 0.1879% | 2,858 |
| Noncurrent loans to loans | 0.2235% | 3,055 |
| Net loans and leases to total assets | 53.1811% | 3,060 |
| Net loans and leases to deposits | 60.7167% | 3,168 |
| Net loans and leases to core deposits | 62.9863% | 3,220 |
| Total domestic deposits to total assets | 87.5890% | 2,068 |
| Equity capital to assets | 11.1972% | 1,892 |
| Core capital (leverage) ratio | 11.0964% | 1,616 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.4992% | 321 |
| Memoranda: | ||
| Average total assets | $71,104,750 | 4,383 |
| Average earning assets | $65,793,000 | 4,372 |
| Average equity | $7,866,500 | 4,405 |
| Average total loans | $40,923,750 | 4,222 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1029% | 1,344 |
| Cost of funding earning assets | 0.2156% | 3,594 |
| Net interest margin | 3.8873% | 993 |
| Noninterest income to average assets | 2.0700% | 313 |
| Noninterest expense to average assets | 3.4414% | 508 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.6680% | 920 |
| Return on assets (ROA) | 1.6680% | 976 |
| Pretax return on assets | 2.2268% | 552 |
| Return on Equity (ROE) | 15.1411% | 1,121 |
| Retained earnings to average equity (ytd only) | 13.7952% | 580 |
| Net charge-offs to loans | 0.0339% | 1,309 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 111.5714% | 704 |
| Efficiency ratio | 60.7143% | 2,909 |
| Assets per employee ($millions) | 3.3235% | 4,718 |
| Cash dividends to net income (ytd only)* | 8.8889% | 2,891 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1904% | 2,993 |
| Loan loss allowance to noncurrent loans | 624.6753% | 1,066 |
| Noncurrent assets plus other real estate owned to assets | 0.1820% | 3,054 |
| Noncurrent loans to loans | 0.1906% | 3,275 |
| Net loans and leases to total assets | 57.2034% | 2,764 |
| Net loans and leases to deposits | 65.6558% | 2,856 |
| Net loans and leases to core deposits | 68.2613% | 2,939 |
| Total domestic deposits to total assets | 87.1262% | 2,252 |
| Equity capital to assets | 11.4095% | 1,689 |
| Core capital (leverage) ratio | 10.8096% | 1,724 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.2778% | 467 |
| Memoranda: | ||
| Average total assets | $70,145,333 | 4,419 |
| Average earning assets | $64,929,333 | 4,408 |
| Average equity | $7,727,333 | 4,445 |
| Average total loans | $41,293,667 | 4,252 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0462% | 1,519 |
| Cost of funding earning assets | 0.2272% | 3,662 |
| Net interest margin | 3.8191% | 1,100 |
| Noninterest income to average assets | 2.1331% | 339 |
| Noninterest expense to average assets | 3.3503% | 559 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.7349% | 890 |
| Return on assets (ROA) | 1.7349% | 941 |
| Pretax return on assets | 2.3208% | 570 |
| Return on Equity (ROE) | 16.0326% | 1,007 |
| Retained earnings to average equity (ytd only) | 16.0326% | 515 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.0772% | 3,150 |
| Assets per employee ($millions) | 3.6739% | 4,634 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1663% | 3,114 |
| Loan loss allowance to noncurrent loans | 272.6257% | 1,893 |
| Noncurrent assets plus other real estate owned to assets | 0.3117% | 2,580 |
| Noncurrent loans to loans | 0.4278% | 2,580 |
| Net loans and leases to total assets | 56.2829% | 3,000 |
| Net loans and leases to deposits | 64.1372% | 3,110 |
| Net loans and leases to core deposits | 66.4732% | 3,199 |
| Total domestic deposits to total assets | 87.7540% | 1,976 |
| Equity capital to assets | 10.5570% | 2,207 |
| Core capital (leverage) ratio | 10.8080% | 1,856 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.8055% | 418 |
| Memoranda: | ||
| Average total assets | $70,321,500 | 4,432 |
| Average earning assets | $65,147,000 | 4,422 |
| Average equity | $7,609,500 | 4,473 |
| Average total loans | $41,738,000 | 4,266 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6682% | 951 |
| Cost of funding earning assets | 0.4781% | 3,096 |
| Net interest margin | 4.1901% | 646 |
| Noninterest income to average assets | 2.1784% | 300 |
| Noninterest expense to average assets | 3.7492% | 494 |
| Loan and lease loss provision to assets | 0.3479% | 1,000 |
| Net operating income to assets | 1.4510% | 917 |
| Return on assets (ROA) | 1.5352% | 798 |
| Pretax return on assets | 2.0362% | 424 |
| Return on Equity (ROE) | 14.3493% | 741 |
| Retained earnings to average equity (ytd only) | 13.9591% | 195 |
| Net charge-offs to loans | -0.0024% | 4,005 |
| Credit loss provision to net charge-offs | -22,500.0000% | 4,476 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2114% | 3,088 |
| Assets per employee ($millions) | 3.3583% | 4,702 |
| Cash dividends to net income (ytd only)* | 2.7190% | 3,699 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1697% | 3,107 |
| Loan loss allowance to noncurrent loans | 272.0670% | 1,840 |
| Noncurrent assets plus other real estate owned to assets | 0.3409% | 2,628 |
| Noncurrent loans to loans | 0.4299% | 2,690 |
| Net loans and leases to total assets | 61.2602% | 2,696 |
| Net loans and leases to deposits | 70.3567% | 2,844 |
| Net loans and leases to core deposits | 73.5223% | 2,950 |
| Total domestic deposits to total assets | 87.0708% | 1,906 |
| Equity capital to assets | 11.1098% | 2,168 |
| Core capital (leverage) ratio | 10.9714% | 1,816 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.3847% | 636 |
| Memoranda: | ||
| Average total assets | $64,680,200 | 4,452 |
| Average earning assets | $59,401,800 | 4,446 |
| Average equity | $6,920,200 | 4,536 |
| Average total loans | $42,249,200 | 4,270 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5890% | 1,338 |
| Cost of funding earning assets | 0.5399% | 2,994 |
| Net interest margin | 4.0492% | 1,011 |
| Noninterest income to average assets | 2.2500% | 284 |
| Noninterest expense to average assets | 3.6299% | 593 |
| Loan and lease loss provision to assets | 0.4371% | 753 |
| Net operating income to assets | 1.4268% | 1,039 |
| Return on assets (ROA) | 1.5402% | 909 |
| Pretax return on assets | 2.0418% | 480 |
| Return on Equity (ROE) | 14.5421% | 782 |
| Retained earnings to average equity (ytd only) | 14.0311% | 253 |
| Net charge-offs to loans | -0.0031% | 3,957 |
| Credit loss provision to net charge-offs | -21,000.0000% | 4,414 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8514% | 3,245 |
| Assets per employee ($millions) | 3.5352% | 4,644 |
| Cash dividends to net income (ytd only)* | 3.5135% | 3,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0331% | 3,549 |
| Loan loss allowance to noncurrent loans | 263.6872% | 1,786 |
| Noncurrent assets plus other real estate owned to assets | 0.4690% | 2,316 |
| Noncurrent loans to loans | 0.3918% | 2,889 |
| Net loans and leases to total assets | 67.3163% | 2,346 |
| Net loans and leases to deposits | 76.8597% | 2,671 |
| Net loans and leases to core deposits | 79.9247% | 2,849 |
| Total domestic deposits to total assets | 87.5834% | 1,403 |
| Equity capital to assets | 10.7090% | 2,614 |
| Core capital (leverage) ratio | 10.7367% | 2,069 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.1662% | 659 |
| Memoranda: | ||
| Average total assets | $64,058,750 | 4,471 |
| Average earning assets | $58,776,250 | 4,470 |
| Average equity | $6,784,750 | 4,571 |
| Average total loans | $42,403,250 | 4,293 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6776% | 1,453 |
| Cost of funding earning assets | 0.6137% | 2,899 |
| Net interest margin | 4.0639% | 1,186 |
| Noninterest income to average assets | 2.0215% | 285 |
| Noninterest expense to average assets | 3.4623% | 781 |
| Loan and lease loss provision to assets | 0.6188% | 505 |
| Net operating income to assets | 1.2519% | 1,489 |
| Return on assets (ROA) | 1.4249% | 1,152 |
| Pretax return on assets | 1.8787% | 699 |
| Return on Equity (ROE) | 13.5065% | 976 |
| Retained earnings to average equity (ytd only) | 12.7244% | 385 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.3096% | 3,378 |
| Assets per employee ($millions) | 3.3710% | 4,720 |
| Cash dividends to net income (ytd only)* | 5.7906% | 3,114 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0227% | 3,453 |
| Loan loss allowance to noncurrent loans | 452.4752% | 1,090 |
| Noncurrent assets plus other real estate owned to assets | 0.3981% | 2,701 |
| Noncurrent loans to loans | 0.2260% | 3,570 |
| Net loans and leases to total assets | 69.0549% | 2,178 |
| Net loans and leases to deposits | 78.9113% | 2,553 |
| Net loans and leases to core deposits | 83.4431% | 2,659 |
| Total domestic deposits to total assets | 87.5096% | 1,411 |
| Equity capital to assets | 10.7808% | 2,505 |
| Core capital (leverage) ratio | 10.5932% | 2,289 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.4991% | 980 |
| Memoranda: | ||
| Average total assets | $63,022,333 | 4,494 |
| Average earning assets | $57,678,667 | 4,501 |
| Average equity | $6,648,667 | 4,610 |
| Average total loans | $41,308,667 | 4,329 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7186% | 1,658 |
| Cost of funding earning assets | 0.6861% | 2,990 |
| Net interest margin | 4.0325% | 1,306 |
| Noninterest income to average assets | 1.5102% | 390 |
| Noninterest expense to average assets | 3.4555% | 1,002 |
| Loan and lease loss provision to assets | 0.4863% | 606 |
| Net operating income to assets | 0.9513% | 2,346 |
| Return on assets (ROA) | 1.1838% | 1,689 |
| Pretax return on assets | 1.5486% | 1,188 |
| Return on Equity (ROE) | 11.3488% | 1,305 |
| Retained earnings to average equity (ytd only) | 11.3488% | 508 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5025% | 2,887 |
| Assets per employee ($millions) | 3.1119% | 4,744 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8617% | 4,241 |
| Loan loss allowance to noncurrent loans | 358.5106% | 1,318 |
| Noncurrent assets plus other real estate owned to assets | 0.3985% | 2,855 |
| Noncurrent loans to loans | 0.2404% | 3,624 |
| Net loans and leases to total assets | 62.2957% | 3,269 |
| Net loans and leases to deposits | 71.0235% | 3,509 |
| Net loans and leases to core deposits | 75.1944% | 3,553 |
| Total domestic deposits to total assets | 87.7115% | 1,226 |
| Equity capital to assets | 10.6159% | 3,217 |
| Core capital (leverage) ratio | 10.5192% | 2,929 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.3832% | 935 |
| Memoranda: | ||
| Average total assets | $62,509,000 | 4,520 |
| Average earning assets | $57,135,500 | 4,525 |
| Average equity | $6,520,500 | 4,663 |
| Average total loans | $39,620,000 | 4,383 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0440% | 1,357 |
| Cost of funding earning assets | 0.8397% | 2,490 |
| Net interest margin | 4.2043% | 1,312 |
| Noninterest income to average assets | 1.7665% | 315 |
| Noninterest expense to average assets | 4.0322% | 515 |
| Loan and lease loss provision to assets | 0.2373% | 801 |
| Net operating income to assets | 0.9590% | 2,985 |
| Return on assets (ROA) | 0.9590% | 3,068 |
| Pretax return on assets | 1.2425% | 2,693 |
| Return on Equity (ROE) | 9.5466% | 2,501 |
| Retained earnings to average equity (ytd only) | 8.9233% | 728 |
| Net charge-offs to loans | 0.4907% | 382 |
| Credit loss provision to net charge-offs | 74.2268% | 2,862 |
| Earnings coverage of net charge-offs (x) | 4.6289% | 3,194 |
| Efficiency ratio | 73.1540% | 1,709 |
| Assets per employee ($millions) | 3.3043% | 4,635 |
| Cash dividends to net income (ytd only)* | 6.5292% | 3,826 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6504% | 4,653 |
| Loan loss allowance to noncurrent loans | 274.7368% | 1,642 |
| Noncurrent assets plus other real estate owned to assets | 0.3966% | 2,812 |
| Noncurrent loans to loans | 0.2367% | 3,600 |
| Net loans and leases to total assets | 63.5081% | 3,256 |
| Net loans and leases to deposits | 72.2929% | 3,498 |
| Net loans and leases to core deposits | 76.3140% | 3,554 |
| Total domestic deposits to total assets | 87.8482% | 1,198 |
| Equity capital to assets | 10.2483% | 3,682 |
| Core capital (leverage) ratio | 10.0411% | 3,472 |
| Tier 1 risk-based capital ratio | 18.0162% | 1,752 |
| Total risk-based capital ratio | 18.7562% | 1,842 |
| Memoranda: | ||
| Average total assets | $60,685,800 | 4,587 |
| Average earning assets | $54,064,200 | 4,610 |
| Average equity | $6,096,400 | 4,743 |
| Average total loans | $39,538,200 | 4,410 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0836% | 1,320 |
| Cost of funding earning assets | 0.8544% | 2,445 |
| Net interest margin | 4.2292% | 1,307 |
| Noninterest income to average assets | 1.5159% | 398 |
| Noninterest expense to average assets | 3.6523% | 796 |
| Loan and lease loss provision to assets | 0.2527% | 640 |
| Net operating income to assets | 1.0416% | 2,811 |
| Return on assets (ROA) | 1.0416% | 2,900 |
| Pretax return on assets | 1.3408% | 2,525 |
| Return on Equity (ROE) | 10.4233% | 2,243 |
| Retained earnings to average equity (ytd only) | 9.5807% | 873 |
| Net charge-offs to loans | 0.6262% | 258 |
| Credit loss provision to net charge-offs | 61.6216% | 2,695 |
| Earnings coverage of net charge-offs (x) | 3.8865% | 3,066 |
| Efficiency ratio | 69.6240% | 2,174 |
| Assets per employee ($millions) | 3.1598% | 4,784 |
| Cash dividends to net income (ytd only)* | 8.0859% | 3,400 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5991% | 4,824 |
| Loan loss allowance to noncurrent loans | 212.3894% | 2,007 |
| Noncurrent assets plus other real estate owned to assets | 0.4225% | 2,825 |
| Noncurrent loans to loans | 0.2821% | 3,528 |
| Net loans and leases to total assets | 63.0087% | 3,387 |
| Net loans and leases to deposits | 71.2415% | 3,665 |
| Net loans and leases to core deposits | 75.1713% | 3,753 |
| Total domestic deposits to total assets | 88.4439% | 850 |
| Equity capital to assets | 9.9943% | 4,023 |
| Core capital (leverage) ratio | 9.9610% | 3,679 |
| Tier 1 risk-based capital ratio | 16.5224% | 2,263 |
| Total risk-based capital ratio | 17.1559% | 2,404 |
| Memoranda: | ||
| Average total assets | $60,162,000 | 4,659 |
| Average earning assets | $53,058,000 | 4,689 |
| Average equity | $6,012,000 | 4,816 |
| Average total loans | $39,389,750 | 4,474 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0791% | 1,274 |
| Cost of funding earning assets | 0.8653% | 2,323 |
| Net interest margin | 4.2138% | 1,329 |
| Noninterest income to average assets | 1.3423% | 488 |
| Noninterest expense to average assets | 3.6787% | 770 |
| Loan and lease loss provision to assets | 0.2840% | 508 |
| Net operating income to assets | 0.8250% | 3,563 |
| Return on assets (ROA) | 0.8250% | 3,621 |
| Pretax return on assets | 1.0516% | 3,380 |
| Return on Equity (ROE) | 8.2563% | 3,175 |
| Retained earnings to average equity (ytd only) | 6.9704% | 1,820 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3648% | 1,723 |
| Assets per employee ($millions) | 3.3079% | 4,690 |
| Cash dividends to net income (ytd only)* | 15.5738% | 3,154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0072% | 3,578 |
| Loan loss allowance to noncurrent loans | 143.6364% | 2,714 |
| Noncurrent assets plus other real estate owned to assets | 0.6364% | 2,136 |
| Noncurrent loans to loans | 0.7012% | 2,224 |
| Net loans and leases to total assets | 61.7693% | 3,572 |
| Net loans and leases to deposits | 69.6984% | 3,867 |
| Net loans and leases to core deposits | 73.5321% | 3,917 |
| Total domestic deposits to total assets | 88.6237% | 817 |
| Equity capital to assets | 9.6770% | 4,251 |
| Core capital (leverage) ratio | 10.3466% | 3,246 |
| Tier 1 risk-based capital ratio | 16.6235% | 2,197 |
| Total risk-based capital ratio | 17.7129% | 2,196 |
| Memoranda: | ||
| Average total assets | $59,150,670 | 4,703 |
| Average earning assets | $51,544,670 | 4,751 |
| Average equity | $5,910,670 | 4,857 |
| Average total loans | $39,166,670 | 4,514 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9456% | 1,488 |
| Cost of funding earning assets | 0.8543% | 2,246 |
| Net interest margin | 4.0913% | 1,569 |
| Noninterest income to average assets | 1.2077% | 558 |
| Noninterest expense to average assets | 3.7905% | 659 |
| Loan and lease loss provision to assets | 0.0768% | 2,142 |
| Net operating income to assets | 0.7818% | 3,679 |
| Return on assets (ROA) | 0.7818% | 3,731 |
| Pretax return on assets | 0.9843% | 3,494 |
| Return on Equity (ROE) | 7.6910% | 3,386 |
| Retained earnings to average equity (ytd only) | 7.6910% | 1,775 |
| Net charge-offs to loans | 0.0204% | 2,046 |
| Credit loss provision to net charge-offs | 550.0000% | 581 |
| Earnings coverage of net charge-offs (x) | 76.0000% | 793 |
| Efficiency ratio | 78.1295% | 1,251 |
| Assets per employee ($millions) | 3.2347% | 4,799 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8125% | 4,480 |
| Loan loss allowance to noncurrent loans | 163.2653% | 2,517 |
| Noncurrent assets plus other real estate owned to assets | 0.5513% | 2,442 |
| Noncurrent loans to loans | 0.4976% | 2,820 |
| Net loans and leases to total assets | 67.0966% | 2,884 |
| Net loans and leases to deposits | 76.2075% | 3,238 |
| Net loans and leases to core deposits | 80.1670% | 3,357 |
| Total domestic deposits to total assets | 88.0447% | 1,316 |
| Equity capital to assets | 10.1503% | 3,678 |
| Core capital (leverage) ratio | 10.3603% | 3,210 |
| Tier 1 risk-based capital ratio | 15.5744% | 2,615 |
| Total risk-based capital ratio | 16.4153% | 2,722 |
| Memoranda: | ||
| Average total assets | $57,301,000 | 4,787 |
| Average earning assets | $51,035,500 | 4,808 |
| Average equity | $5,825,000 | 4,915 |
| Average total loans | $39,141,500 | 4,568 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7504% | 1,677 |
| Cost of funding earning assets | 0.6836% | 2,187 |
| Net interest margin | 4.0668% | 1,779 |
| Noninterest income to average assets | 1.5510% | 388 |
| Noninterest expense to average assets | 3.9916% | 535 |
| Loan and lease loss provision to assets | 0.1157% | 1,903 |
| Net operating income to assets | 0.8722% | 3,526 |
| Return on assets (ROA) | 0.8722% | 3,520 |
| Pretax return on assets | 1.1123% | 3,223 |
| Return on Equity (ROE) | 9.1959% | 2,894 |
| Retained earnings to average equity (ytd only) | 8.5221% | 1,039 |
| Net charge-offs to loans | 0.1060% | 1,694 |
| Credit loss provision to net charge-offs | 167.5000% | 1,659 |
| Earnings coverage of net charge-offs (x) | 17.7750% | 2,172 |
| Efficiency ratio | 76.4725% | 1,294 |
| Assets per employee ($millions) | 2.9672% | 5,014 |
| Cash dividends to net income (ytd only)* | 7.3267% | 3,895 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7996% | 4,534 |
| Loan loss allowance to noncurrent loans | 102.6403% | 3,382 |
| Noncurrent assets plus other real estate owned to assets | 0.5375% | 2,444 |
| Noncurrent loans to loans | 0.7790% | 2,059 |
| Net loans and leases to total assets | 68.4410% | 2,817 |
| Net loans and leases to deposits | 78.3993% | 3,121 |
| Net loans and leases to core deposits | 82.1867% | 3,246 |
| Total domestic deposits to total assets | 87.2980% | 1,642 |
| Equity capital to assets | 10.1815% | 3,489 |
| Core capital (leverage) ratio | 10.0613% | 3,508 |
| Tier 1 risk-based capital ratio | 15.6410% | 2,561 |
| Total risk-based capital ratio | 16.4782% | 2,664 |
| Memoranda: | ||
| Average total assets | $57,896,400 | 4,802 |
| Average earning assets | $52,227,200 | 4,813 |
| Average equity | $5,491,600 | 4,970 |
| Average total loans | $37,740,600 | 4,617 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6487% | 1,837 |
| Cost of funding earning assets | 0.6300% | 2,273 |
| Net interest margin | 4.0187% | 1,900 |
| Noninterest income to average assets | 1.5283% | 418 |
| Noninterest expense to average assets | 3.9169% | 579 |
| Loan and lease loss provision to assets | 0.0641% | 2,691 |
| Net operating income to assets | 0.9129% | 3,466 |
| Return on assets (ROA) | 0.9129% | 3,472 |
| Pretax return on assets | 1.1668% | 3,135 |
| Return on Equity (ROE) | 9.7981% | 2,710 |
| Retained earnings to average equity (ytd only) | 8.8894% | 1,264 |
| Net charge-offs to loans | 0.0748% | 1,779 |
| Credit loss provision to net charge-offs | 133.3333% | 1,859 |
| Earnings coverage of net charge-offs (x) | 25.6186% | 1,770 |
| Efficiency ratio | 76.0889% | 1,339 |
| Assets per employee ($millions) | 3.1101% | 4,958 |
| Cash dividends to net income (ytd only)* | 9.2727% | 3,402 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7582% | 4,739 |
| Loan loss allowance to noncurrent loans | 86.0947% | 3,703 |
| Noncurrent assets plus other real estate owned to assets | 0.9680% | 1,505 |
| Noncurrent loans to loans | 0.8806% | 1,936 |
| Net loans and leases to total assets | 64.4588% | 3,368 |
| Net loans and leases to deposits | 72.6617% | 3,713 |
| Net loans and leases to core deposits | 75.9309% | 3,809 |
| Total domestic deposits to total assets | 88.7108% | 950 |
| Equity capital to assets | 9.4937% | 4,083 |
| Core capital (leverage) ratio | 9.6303% | 4,015 |
| Tier 1 risk-based capital ratio | 15.1423% | 2,820 |
| Total risk-based capital ratio | 15.9153% | 2,964 |
| Memoranda: | ||
| Average total assets | $58,276,250 | 4,843 |
| Average earning assets | $52,486,500 | 4,864 |
| Average equity | $5,429,500 | 5,039 |
| Average total loans | $37,451,750 | 4,673 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5534% | 1,925 |
| Cost of funding earning assets | 0.5663% | 2,461 |
| Net interest margin | 3.9871% | 1,905 |
| Noninterest income to average assets | 1.4033% | 481 |
| Noninterest expense to average assets | 3.9238% | 589 |
| Loan and lease loss provision to assets | 0.0414% | 3,078 |
| Net operating income to assets | 0.8137% | 3,811 |
| Return on assets (ROA) | 0.8137% | 3,818 |
| Pretax return on assets | 1.0310% | 3,566 |
| Return on Equity (ROE) | 8.7907% | 3,122 |
| Retained earnings to average equity (ytd only) | 7.4497% | 1,865 |
| Net charge-offs to loans | 0.1077% | 1,290 |
| Credit loss provision to net charge-offs | 60.0000% | 2,427 |
| Earnings coverage of net charge-offs (x) | 15.5500% | 2,038 |
| Efficiency ratio | 78.5369% | 1,157 |
| Assets per employee ($millions) | 2.8631% | 5,187 |
| Cash dividends to net income (ytd only)* | 15.2542% | 3,153 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7362% | 4,853 |
| Loan loss allowance to noncurrent loans | 94.1980% | 3,579 |
| Noncurrent assets plus other real estate owned to assets | 0.9413% | 1,605 |
| Noncurrent loans to loans | 0.7815% | 2,170 |
| Net loans and leases to total assets | 64.9890% | 3,276 |
| Net loans and leases to deposits | 73.3917% | 3,594 |
| Net loans and leases to core deposits | 77.3792% | 3,627 |
| Total domestic deposits to total assets | 88.5509% | 1,123 |
| Equity capital to assets | 9.5177% | 4,081 |
| Core capital (leverage) ratio | 9.4132% | 4,230 |
| Tier 1 risk-based capital ratio | 15.1169% | 2,818 |
| Total risk-based capital ratio | 15.8708% | 2,975 |
| Memoranda: | ||
| Average total assets | $58,004,330 | 4,906 |
| Average earning assets | $52,268,670 | 4,923 |
| Average equity | $5,369,330 | 5,097 |
| Average total loans | $37,142,000 | 4,727 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3957% | 2,210 |
| Cost of funding earning assets | 0.5238% | 2,600 |
| Net interest margin | 3.8718% | 2,147 |
| Noninterest income to average assets | 1.2540% | 592 |
| Noninterest expense to average assets | 3.9811% | 544 |
| Loan and lease loss provision to assets | 0.0411% | 2,936 |
| Net operating income to assets | 0.5893% | 4,452 |
| Return on assets (ROA) | 0.5893% | 4,458 |
| Pretax return on assets | 0.7263% | 4,371 |
| Return on Equity (ROE) | 6.4552% | 4,003 |
| Retained earnings to average equity (ytd only) | 6.3051% | 2,580 |
| Net charge-offs to loans | 0.1839% | 796 |
| Credit loss provision to net charge-offs | 35.2941% | 2,038 |
| Earnings coverage of net charge-offs (x) | 6.5882% | 2,149 |
| Efficiency ratio | 83.8384% | 809 |
| Assets per employee ($millions) | 2.9902% | 5,160 |
| Cash dividends to net income (ytd only)* | 2.3256% | 2,727 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7395% | 4,944 |
| Loan loss allowance to noncurrent loans | 63.1944% | 4,143 |
| Noncurrent assets plus other real estate owned to assets | 0.9247% | 1,713 |
| Noncurrent loans to loans | 1.1701% | 1,558 |
| Net loans and leases to total assets | 61.2768% | 3,620 |
| Net loans and leases to deposits | 68.5767% | 3,907 |
| Net loans and leases to core deposits | 72.0881% | 3,949 |
| Total domestic deposits to total assets | 89.3552% | 938 |
| Equity capital to assets | 8.9359% | 4,626 |
| Core capital (leverage) ratio | 9.2688% | 4,358 |
| Tier 1 risk-based capital ratio | 14.9885% | 2,868 |
| Total risk-based capital ratio | 15.7443% | 3,030 |
| Memoranda: | ||
| Average total assets | $58,375,500 | 4,959 |
| Average earning assets | $52,688,000 | 4,978 |
| Average equity | $5,329,000 | 5,162 |
| Average total loans | $36,968,000 | 4,781 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5802% | 1,485 |
| Cost of funding earning assets | 0.3961% | 3,296 |
| Net interest margin | 4.1841% | 1,223 |
| Noninterest income to average assets | 1.5126% | 463 |
| Noninterest expense to average assets | 4.4008% | 342 |
| Loan and lease loss provision to assets | 0.0311% | 3,652 |
| Net operating income to assets | 0.7024% | 3,595 |
| Return on assets (ROA) | 0.7115% | 3,601 |
| Pretax return on assets | 0.8597% | 4,050 |
| Return on Equity (ROE) | 7.5734% | 3,005 |
| Retained earnings to average equity (ytd only) | 7.0283% | 1,062 |
| Net charge-offs to loans | -0.0382% | 5,121 |
| Credit loss provision to net charge-offs | -121.4286% | 4,736 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.3391% | 825 |
| Assets per employee ($millions) | 2.7118% | 5,377 |
| Cash dividends to net income (ytd only)* | 7.1979% | 3,993 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7672% | 4,914 |
| Loan loss allowance to noncurrent loans | 65.1376% | 4,181 |
| Noncurrent assets plus other real estate owned to assets | 1.6331% | 805 |
| Noncurrent loans to loans | 1.1778% | 1,507 |
| Net loans and leases to total assets | 64.5038% | 3,303 |
| Net loans and leases to deposits | 72.5748% | 3,642 |
| Net loans and leases to core deposits | 76.4968% | 3,702 |
| Total domestic deposits to total assets | 88.8791% | 1,056 |
| Equity capital to assets | 9.3315% | 4,398 |
| Core capital (leverage) ratio | 9.4191% | 4,136 |
| Tier 1 risk-based capital ratio | 14.6165% | 3,033 |
| Total risk-based capital ratio | 15.3958% | 3,186 |
| Memoranda: | ||
| Average total assets | $54,672,400 | 5,064 |
| Average earning assets | $49,234,000 | 5,079 |
| Average equity | $5,136,400 | 5,250 |
| Average total loans | $36,623,000 | 4,833 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5679% | 1,456 |
| Cost of funding earning assets | 0.3720% | 3,446 |
| Net interest margin | 4.1959% | 1,160 |
| Noninterest income to average assets | 1.5797% | 436 |
| Noninterest expense to average assets | 4.4752% | 322 |
| Loan and lease loss provision to assets | 0.0370% | 3,373 |
| Net operating income to assets | 0.6782% | 4,090 |
| Return on assets (ROA) | 0.6900% | 4,094 |
| Pretax return on assets | 0.8625% | 4,165 |
| Return on Equity (ROE) | 7.3315% | 3,480 |
| Retained earnings to average equity (ytd only) | 6.6245% | 1,895 |
| Net charge-offs to loans | -0.0183% | 4,820 |
| Credit loss provision to net charge-offs | -300.0000% | 4,699 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.4943% | 796 |
| Assets per employee ($millions) | 2.6725% | 5,452 |
| Cash dividends to net income (ytd only)* | 9.6432% | 3,486 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7346% | 5,060 |
| Loan loss allowance to noncurrent loans | 88.9251% | 3,734 |
| Noncurrent assets plus other real estate owned to assets | 1.4272% | 1,085 |
| Noncurrent loans to loans | 0.8261% | 2,301 |
| Net loans and leases to total assets | 65.7336% | 3,142 |
| Net loans and leases to deposits | 73.9640% | 3,570 |
| Net loans and leases to core deposits | 78.0102% | 3,634 |
| Total domestic deposits to total assets | 88.8725% | 939 |
| Equity capital to assets | 9.3297% | 4,623 |
| Core capital (leverage) ratio | 9.6983% | 3,937 |
| Tier 1 risk-based capital ratio | 14.1990% | 3,353 |
| Total risk-based capital ratio | 14.9420% | 3,517 |
| Memoranda: | ||
| Average total assets | $54,103,750 | 5,132 |
| Average earning assets | $48,744,750 | 5,144 |
| Average equity | $5,092,000 | 5,316 |
| Average total loans | $36,524,500 | 4,880 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5814% | 1,294 |
| Cost of funding earning assets | 0.3607% | 3,475 |
| Net interest margin | 4.2207% | 1,039 |
| Noninterest income to average assets | 1.5235% | 464 |
| Noninterest expense to average assets | 4.3271% | 359 |
| Loan and lease loss provision to assets | 0.0412% | 3,182 |
| Net operating income to assets | 0.7652% | 3,568 |
| Return on assets (ROA) | 0.7711% | 3,589 |
| Pretax return on assets | 0.9732% | 3,676 |
| Return on Equity (ROE) | 8.1681% | 2,932 |
| Retained earnings to average equity (ytd only) | 7.0975% | 1,548 |
| Net charge-offs to loans | -0.0165% | 4,701 |
| Credit loss provision to net charge-offs | -366.6667% | 4,604 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.1228% | 1,093 |
| Assets per employee ($millions) | 2.7906% | 5,423 |
| Cash dividends to net income (ytd only)* | 13.1068% | 3,308 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7368% | 5,119 |
| Loan loss allowance to noncurrent loans | 87.2549% | 3,800 |
| Noncurrent assets plus other real estate owned to assets | 1.5088% | 1,003 |
| Noncurrent loans to loans | 0.8444% | 2,295 |
| Net loans and leases to total assets | 67.8398% | 2,838 |
| Net loans and leases to deposits | 76.7983% | 3,244 |
| Net loans and leases to core deposits | 82.9165% | 3,180 |
| Total domestic deposits to total assets | 88.3350% | 1,284 |
| Equity capital to assets | 9.7412% | 4,183 |
| Core capital (leverage) ratio | 9.7422% | 3,845 |
| Tier 1 risk-based capital ratio | 14.4184% | 3,208 |
| Total risk-based capital ratio | 15.1673% | 3,388 |
| Memoranda: | ||
| Average total assets | $53,431,000 | 5,183 |
| Average earning assets | $48,239,000 | 5,191 |
| Average equity | $5,044,000 | 5,356 |
| Average total loans | $36,311,330 | 4,920 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5305% | 1,301 |
| Cost of funding earning assets | 0.3618% | 3,389 |
| Net interest margin | 4.1687% | 1,047 |
| Noninterest income to average assets | 1.4990% | 485 |
| Noninterest expense to average assets | 3.9824% | 551 |
| Loan and lease loss provision to assets | 0.0447% | 2,904 |
| Net operating income to assets | 0.9098% | 2,712 |
| Return on assets (ROA) | 0.9098% | 2,768 |
| Pretax return on assets | 1.2529% | 2,406 |
| Return on Equity (ROE) | 9.7923% | 2,062 |
| Retained earnings to average equity (ytd only) | 7.6252% | 1,599 |
| Net charge-offs to loans | -0.0220% | 4,792 |
| Credit loss provision to net charge-offs | -300.0000% | 4,114 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4237% | 1,994 |
| Assets per employee ($millions) | 2.7829% | 5,498 |
| Cash dividends to net income (ytd only)* | 22.1311% | 2,488 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7096% | 5,289 |
| Loan loss allowance to noncurrent loans | 101.9531% | 3,595 |
| Noncurrent assets plus other real estate owned to assets | 0.4842% | 3,286 |
| Noncurrent loans to loans | 0.6960% | 2,758 |
| Net loans and leases to total assets | 69.0635% | 2,521 |
| Net loans and leases to deposits | 77.9999% | 2,963 |
| Net loans and leases to core deposits | 84.1991% | 2,881 |
| Total domestic deposits to total assets | 88.5430% | 1,400 |
| Equity capital to assets | 9.5374% | 4,244 |
| Core capital (leverage) ratio | 9.3127% | 4,327 |
| Tier 1 risk-based capital ratio | 14.2261% | 3,347 |
| Total risk-based capital ratio | 14.9619% | 3,556 |
| Memoranda: | ||
| Average total assets | $53,635,500 | 5,233 |
| Average earning assets | $48,648,000 | 5,236 |
| Average equity | $4,983,500 | 5,422 |
| Average total loans | $36,348,500 | 4,961 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6835% | 1,091 |
| Cost of funding earning assets | 0.3047% | 4,019 |
| Net interest margin | 4.3789% | 807 |
| Noninterest income to average assets | 1.4016% | 584 |
| Noninterest expense to average assets | 4.0978% | 531 |
| Loan and lease loss provision to assets | 0.3499% | 487 |
| Net operating income to assets | 0.6815% | 3,867 |
| Return on assets (ROA) | 0.7620% | 3,589 |
| Pretax return on assets | 1.0303% | 3,364 |
| Return on Equity (ROE) | 8.1701% | 2,851 |
| Retained earnings to average equity (ytd only) | 7.6073% | 996 |
| Net charge-offs to loans | 0.5659% | 410 |
| Credit loss provision to net charge-offs | 90.9091% | 2,777 |
| Earnings coverage of net charge-offs (x) | 3.3030% | 3,691 |
| Efficiency ratio | 76.3215% | 1,932 |
| Assets per employee ($millions) | 2.8629% | 5,446 |
| Cash dividends to net income (ytd only)* | 6.8878% | 4,090 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7044% | 5,348 |
| Loan loss allowance to noncurrent loans | 96.5649% | 3,702 |
| Noncurrent assets plus other real estate owned to assets | 0.4817% | 3,335 |
| Noncurrent loans to loans | 0.7294% | 2,706 |
| Net loans and leases to total assets | 65.5667% | 3,137 |
| Net loans and leases to deposits | 73.6485% | 3,550 |
| Net loans and leases to core deposits | 82.7705% | 3,146 |
| Total domestic deposits to total assets | 89.0266% | 1,109 |
| Equity capital to assets | 9.0523% | 4,762 |
| Core capital (leverage) ratio | 9.2106% | 4,464 |
| Tier 1 risk-based capital ratio | 14.4749% | 3,206 |
| Total risk-based capital ratio | 15.2146% | 3,395 |
| Memoranda: | ||
| Average total assets | $51,442,800 | 5,318 |
| Average earning assets | $46,610,000 | 5,320 |
| Average equity | $4,798,000 | 5,504 |
| Average total loans | $34,990,400 | 5,038 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7021% | 1,057 |
| Cost of funding earning assets | 0.2933% | 4,176 |
| Net interest margin | 4.4088% | 764 |
| Noninterest income to average assets | 1.3542% | 640 |
| Noninterest expense to average assets | 4.0837% | 533 |
| Loan and lease loss provision to assets | 0.0815% | 2,577 |
| Net operating income to assets | 0.8564% | 3,117 |
| Return on assets (ROA) | 0.9624% | 2,744 |
| Pretax return on assets | 1.3279% | 2,321 |
| Return on Equity (ROE) | 10.2379% | 1,952 |
| Retained earnings to average equity (ytd only) | 9.4826% | 695 |
| Net charge-offs to loans | -0.0153% | 4,918 |
| Credit loss provision to net charge-offs | -775.0000% | 5,164 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.3896% | 1,920 |
| Assets per employee ($millions) | 2.7823% | 5,558 |
| Cash dividends to net income (ytd only)* | 7.3772% | 3,622 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8345% | 5,092 |
| Loan loss allowance to noncurrent loans | 89.7361% | 3,836 |
| Noncurrent assets plus other real estate owned to assets | 0.6451% | 2,966 |
| Noncurrent loans to loans | 0.9299% | 2,389 |
| Net loans and leases to total assets | 68.7878% | 2,686 |
| Net loans and leases to deposits | 77.6196% | 3,227 |
| Net loans and leases to core deposits | 86.9890% | 2,847 |
| Total domestic deposits to total assets | 88.6217% | 1,093 |
| Equity capital to assets | 9.4053% | 4,758 |
| Core capital (leverage) ratio | 9.8612% | 3,739 |
| Tier 1 risk-based capital ratio | 14.0485% | 3,539 |
| Total risk-based capital ratio | 14.9214% | 3,673 |
| Memoranda: | ||
| Average total assets | $50,704,750 | 5,384 |
| Average earning assets | $45,907,000 | 5,387 |
| Average equity | $4,766,500 | 5,569 |
| Average total loans | $34,758,500 | 5,098 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6351% | 1,193 |
| Cost of funding earning assets | 0.2786% | 4,365 |
| Net interest margin | 4.3565% | 840 |
| Noninterest income to average assets | 1.1884% | 797 |
| Noninterest expense to average assets | 4.1212% | 525 |
| Loan and lease loss provision to assets | 0.0960% | 2,237 |
| Net operating income to assets | 0.6885% | 3,852 |
| Return on assets (ROA) | 0.7402% | 3,761 |
| Pretax return on assets | 0.9803% | 3,659 |
| Return on Equity (ROE) | 7.8757% | 3,045 |
| Retained earnings to average equity (ytd only) | 6.7263% | 1,752 |
| Net charge-offs to loans | -0.0176% | 4,897 |
| Credit loss provision to net charge-offs | -800.0000% | 5,041 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.3432% | 1,459 |
| Assets per employee ($millions) | 2.6193% | 5,729 |
| Cash dividends to net income (ytd only)* | 14.5946% | 3,358 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8253% | 5,213 |
| Loan loss allowance to noncurrent loans | 209.8592% | 2,185 |
| Noncurrent assets plus other real estate owned to assets | 0.2853% | 4,352 |
| Noncurrent loans to loans | 0.3933% | 3,954 |
| Net loans and leases to total assets | 71.9533% | 2,180 |
| Net loans and leases to deposits | 83.8147% | 2,491 |
| Net loans and leases to core deposits | 89.0527% | 2,636 |
| Total domestic deposits to total assets | 85.8481% | 2,492 |
| Equity capital to assets | 9.6249% | 4,641 |
| Core capital (leverage) ratio | 9.5275% | 4,168 |
| Tier 1 risk-based capital ratio | 13.5336% | 3,876 |
| Total risk-based capital ratio | 14.3840% | 4,042 |
| Memoranda: | ||
| Average total assets | $49,985,000 | 5,460 |
| Average earning assets | $45,220,000 | 5,475 |
| Average equity | $4,698,000 | 5,645 |
| Average total loans | $34,121,330 | 5,169 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5278% | 1,431 |
| Cost of funding earning assets | 0.2819% | 4,366 |
| Net interest margin | 4.2459% | 1,005 |
| Noninterest income to average assets | 1.0780% | 927 |
| Noninterest expense to average assets | 4.0005% | 601 |
| Loan and lease loss provision to assets | 0.0399% | 3,118 |
| Net operating income to assets | 0.6628% | 3,917 |
| Return on assets (ROA) | 0.6628% | 4,043 |
| Pretax return on assets | 0.8863% | 3,901 |
| Return on Equity (ROE) | 7.1367% | 3,381 |
| Retained earnings to average equity (ytd only) | 4.8151% | 3,056 |
| Net charge-offs to loans | -0.0121% | 4,610 |
| Credit loss provision to net charge-offs | -500.0000% | 4,551 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.1994% | 1,460 |
| Assets per employee ($millions) | 2.6633% | 5,753 |
| Cash dividends to net income (ytd only)* | 32.5301% | 2,301 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8242% | 5,298 |
| Loan loss allowance to noncurrent loans | 346.2500% | 1,420 |
| Noncurrent assets plus other real estate owned to assets | 0.1798% | 4,849 |
| Noncurrent loans to loans | 0.2380% | 4,580 |
| Net loans and leases to total assets | 65.8689% | 2,972 |
| Net loans and leases to deposits | 74.1826% | 3,416 |
| Net loans and leases to core deposits | 79.1297% | 3,400 |
| Total domestic deposits to total assets | 88.7929% | 1,211 |
| Equity capital to assets | 9.2704% | 4,920 |
| Core capital (leverage) ratio | 9.3073% | 4,482 |
| Tier 1 risk-based capital ratio | 13.9044% | 3,753 |
| Total risk-based capital ratio | 14.7343% | 3,916 |
| Memoranda: | ||
| Average total assets | $50,094,000 | 5,511 |
| Average earning assets | $45,408,500 | 5,511 |
| Average equity | $4,652,000 | 5,691 |
| Average total loans | $33,128,500 | 5,236 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5519% | 1,453 |
| Cost of funding earning assets | 0.2324% | 4,983 |
| Net interest margin | 4.3195% | 929 |
| Noninterest income to average assets | 1.5111% | 547 |
| Noninterest expense to average assets | 4.2518% | 515 |
| Loan and lease loss provision to assets | 0.0172% | 4,065 |
| Net operating income to assets | 0.8103% | 3,300 |
| Return on assets (ROA) | 0.8276% | 3,283 |
| Pretax return on assets | 1.1414% | 2,876 |
| Return on Equity (ROE) | 8.7353% | 2,608 |
| Retained earnings to average equity (ytd only) | 8.1000% | 882 |
| Net charge-offs to loans | -0.0172% | 5,230 |
| Credit loss provision to net charge-offs | -160.0000% | 5,240 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.9306% | 1,824 |
| Assets per employee ($millions) | 2.6098% | 5,839 |
| Cash dividends to net income (ytd only)* | 7.2727% | 4,132 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8300% | 5,324 |
| Loan loss allowance to noncurrent loans | 235.6522% | 2,017 |
| Noncurrent assets plus other real estate owned to assets | 0.2823% | 4,456 |
| Noncurrent loans to loans | 0.3522% | 4,204 |
| Net loans and leases to total assets | 65.2967% | 3,082 |
| Net loans and leases to deposits | 73.7540% | 3,522 |
| Net loans and leases to core deposits | 78.7824% | 3,469 |
| Total domestic deposits to total assets | 88.5331% | 1,364 |
| Equity capital to assets | 9.3030% | 4,791 |
| Core capital (leverage) ratio | 9.0210% | 4,861 |
| Tier 1 risk-based capital ratio | 13.9468% | 3,735 |
| Total risk-based capital ratio | 14.7711% | 3,931 |
| Memoranda: | ||
| Average total assets | $46,522,000 | 5,621 |
| Average earning assets | $41,741,200 | 5,637 |
| Average equity | $4,407,400 | 5,781 |
| Average total loans | $29,019,600 | 5,401 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4927% | 1,614 |
| Cost of funding earning assets | 0.2215% | 5,165 |
| Net interest margin | 4.2712% | 1,016 |
| Noninterest income to average assets | 1.5269% | 533 |
| Noninterest expense to average assets | 4.2776% | 502 |
| Loan and lease loss provision to assets | 0.0175% | 3,927 |
| Net operating income to assets | 0.7692% | 3,586 |
| Return on assets (ROA) | 0.7926% | 3,553 |
| Pretax return on assets | 1.0840% | 3,295 |
| Return on Equity (ROE) | 8.3255% | 2,916 |
| Retained earnings to average equity (ytd only) | 7.4685% | 1,466 |
| Net charge-offs to loans | -0.0190% | 5,190 |
| Credit loss provision to net charge-offs | -150.0000% | 5,111 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.0000% | 1,654 |
| Assets per employee ($millions) | 2.5183% | 5,955 |
| Cash dividends to net income (ytd only)* | 10.2934% | 3,572 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8702% | 5,302 |
| Loan loss allowance to noncurrent loans | 92.0962% | 3,855 |
| Noncurrent assets plus other real estate owned to assets | 0.6604% | 3,274 |
| Noncurrent loans to loans | 0.9448% | 2,611 |
| Net loans and leases to total assets | 63.8083% | 3,335 |
| Net loans and leases to deposits | 72.2730% | 3,735 |
| Net loans and leases to core deposits | 76.8907% | 3,704 |
| Total domestic deposits to total assets | 88.2879% | 1,404 |
| Equity capital to assets | 9.4675% | 4,790 |
| Core capital (leverage) ratio | 9.4595% | 4,353 |
| Tier 1 risk-based capital ratio | 14.3489% | 3,653 |
| Total risk-based capital ratio | 15.2020% | 3,812 |
| Memoranda: | ||
| Average total assets | $45,756,000 | 5,713 |
| Average earning assets | $40,924,750 | 5,726 |
| Average equity | $4,356,000 | 5,870 |
| Average total loans | $28,112,250 | 5,505 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3790% | 1,927 |
| Cost of funding earning assets | 0.1990% | 5,442 |
| Net interest margin | 4.1799% | 1,151 |
| Noninterest income to average assets | 1.3138% | 707 |
| Noninterest expense to average assets | 4.2522% | 512 |
| Loan and lease loss provision to assets | 0.0089% | 3,935 |
| Net operating income to assets | 0.5881% | 4,403 |
| Return on assets (ROA) | 0.6214% | 4,370 |
| Pretax return on assets | 0.8256% | 4,225 |
| Return on Equity (ROE) | 6.5147% | 3,874 |
| Retained earnings to average equity (ytd only) | 5.2117% | 2,727 |
| Net charge-offs to loans | -0.1102% | 5,822 |
| Credit loss provision to net charge-offs | -13.3333% | 4,704 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.3310% | 1,226 |
| Assets per employee ($millions) | 2.3204% | 6,123 |
| Cash dividends to net income (ytd only)* | 20.0000% | 3,185 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9408% | 5,140 |
| Loan loss allowance to noncurrent loans | 221.7742% | 2,073 |
| Noncurrent assets plus other real estate owned to assets | 0.2813% | 4,751 |
| Noncurrent loans to loans | 0.4242% | 4,207 |
| Net loans and leases to total assets | 65.6747% | 3,010 |
| Net loans and leases to deposits | 75.8474% | 3,290 |
| Net loans and leases to core deposits | 79.3586% | 3,457 |
| Total domestic deposits to total assets | 86.5879% | 2,382 |
| Equity capital to assets | 9.8691% | 4,189 |
| Core capital (leverage) ratio | 9.3183% | 4,527 |
| Tier 1 risk-based capital ratio | 14.6551% | 3,550 |
| Total risk-based capital ratio | 15.5822% | 3,658 |
| Memoranda: | ||
| Average total assets | $45,058,670 | 5,790 |
| Average earning assets | $40,192,000 | 5,804 |
| Average equity | $4,298,000 | 5,943 |
| Average total loans | $27,216,670 | 5,585 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1432% | 2,657 |
| Cost of funding earning assets | 0.1874% | 5,624 |
| Net interest margin | 3.9558% | 1,701 |
| Noninterest income to average assets | 1.1593% | 847 |
| Noninterest expense to average assets | 4.1630% | 576 |
| Loan and lease loss provision to assets | 0.0088% | 3,603 |
| Net operating income to assets | 0.4075% | 5,045 |
| Return on assets (ROA) | 0.4216% | 5,109 |
| Pretax return on assets | 0.5270% | 5,105 |
| Return on Equity (ROE) | 4.4949% | 4,760 |
| Retained earnings to average equity (ytd only) | 1.8729% | 4,724 |
| Net charge-offs to loans | -0.0153% | 4,920 |
| Credit loss provision to net charge-offs | -100.0000% | 4,487 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.9306% | 941 |
| Assets per employee ($millions) | 2.5749% | 6,060 |
| Cash dividends to net income (ytd only)* | 58.3333% | 1,490 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9854% | 5,110 |
| Loan loss allowance to noncurrent loans | 130.6533% | 3,066 |
| Noncurrent assets plus other real estate owned to assets | 0.4294% | 4,318 |
| Noncurrent loans to loans | 0.7542% | 3,371 |
| Net loans and leases to total assets | 56.3680% | 4,160 |
| Net loans and leases to deposits | 63.8263% | 4,387 |
| Net loans and leases to core deposits | 66.0632% | 4,513 |
| Total domestic deposits to total assets | 88.3147% | 1,651 |
| Equity capital to assets | 9.3012% | 4,964 |
| Core capital (leverage) ratio | 9.2826% | 4,607 |
| Tier 1 risk-based capital ratio | 16.0331% | 2,904 |
| Total risk-based capital ratio | 17.0235% | 2,965 |
| Memoranda: | ||
| Average total assets | $45,544,500 | 5,834 |
| Average earning assets | $40,548,000 | 5,849 |
| Average equity | $4,271,500 | 5,999 |
| Average total loans | $26,210,500 | 5,668 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4761% | 1,970 |
| Cost of funding earning assets | 0.2078% | 5,681 |
| Net interest margin | 4.2683% | 1,115 |
| Noninterest income to average assets | 1.2502% | 778 |
| Noninterest expense to average assets | 4.2958% | 544 |
| Loan and lease loss provision to assets | -0.0113% | 5,920 |
| Net operating income to assets | 0.5608% | 4,555 |
| Return on assets (ROA) | 0.6758% | 4,123 |
| Pretax return on assets | 0.9146% | 3,851 |
| Return on Equity (ROE) | 7.2710% | 3,480 |
| Retained earnings to average equity (ytd only) | 5.8895% | 1,992 |
| Net charge-offs to loans | 0.1134% | 2,895 |
| Credit loss provision to net charge-offs | -17.2414% | 5,337 |
| Earnings coverage of net charge-offs (x) | 11.4483% | 2,484 |
| Efficiency ratio | 85.1720% | 1,264 |
| Assets per employee ($millions) | 2.3547% | 6,247 |
| Cash dividends to net income (ytd only)* | 19.0000% | 3,859 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9910% | 5,109 |
| Loan loss allowance to noncurrent loans | 191.1111% | 2,325 |
| Noncurrent assets plus other real estate owned to assets | 0.3017% | 4,831 |
| Noncurrent loans to loans | 0.5185% | 4,112 |
| Net loans and leases to total assets | 57.6151% | 4,104 |
| Net loans and leases to deposits | 65.5470% | 4,371 |
| Net loans and leases to core deposits | 67.9397% | 4,512 |
| Total domestic deposits to total assets | 87.8990% | 1,825 |
| Equity capital to assets | 9.4591% | 4,768 |
| Core capital (leverage) ratio | 9.6103% | 4,080 |
| Tier 1 risk-based capital ratio | 15.3002% | 3,314 |
| Total risk-based capital ratio | 16.2341% | 3,431 |
| Memoranda: | ||
| Average total assets | $44,392,400 | 5,918 |
| Average earning assets | $39,453,600 | 5,935 |
| Average equity | $4,126,000 | 6,065 |
| Average total loans | $25,573,600 | 5,753 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4885% | 1,914 |
| Cost of funding earning assets | 0.2160% | 5,708 |
| Net interest margin | 4.2725% | 1,105 |
| Noninterest income to average assets | 1.2128% | 827 |
| Noninterest expense to average assets | 4.2883% | 560 |
| Loan and lease loss provision to assets | -0.0151% | 6,100 |
| Net operating income to assets | 0.5537% | 4,662 |
| Return on assets (ROA) | 0.6651% | 4,227 |
| Pretax return on assets | 0.8998% | 3,985 |
| Return on Equity (ROE) | 7.1877% | 3,614 |
| Retained earnings to average equity (ytd only) | 5.5614% | 2,698 |
| Net charge-offs to loans | 0.0786% | 3,081 |
| Credit loss provision to net charge-offs | -33.3333% | 5,312 |
| Earnings coverage of net charge-offs (x) | 16.2665% | 1,990 |
| Efficiency ratio | 85.3805% | 1,247 |
| Assets per employee ($millions) | 2.4296% | 6,275 |
| Cash dividends to net income (ytd only)* | 22.6261% | 3,114 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0707% | 4,874 |
| Loan loss allowance to noncurrent loans | 152.8090% | 2,696 |
| Noncurrent assets plus other real estate owned to assets | 0.7363% | 3,603 |
| Noncurrent loans to loans | 0.7007% | 3,856 |
| Net loans and leases to total assets | 57.4682% | 4,140 |
| Net loans and leases to deposits | 65.4854% | 4,386 |
| Net loans and leases to core deposits | 67.9335% | 4,513 |
| Total domestic deposits to total assets | 87.7572% | 1,892 |
| Equity capital to assets | 9.5285% | 4,765 |
| Core capital (leverage) ratio | 9.6216% | 4,206 |
| Tier 1 risk-based capital ratio | 15.7458% | 3,189 |
| Total risk-based capital ratio | 16.7766% | 3,243 |
| Memoranda: | ||
| Average total assets | $44,305,500 | 5,991 |
| Average earning assets | $39,507,250 | 6,003 |
| Average equity | $4,099,500 | 6,141 |
| Average total loans | $25,458,250 | 5,821 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5303% | 1,737 |
| Cost of funding earning assets | 0.2121% | 5,811 |
| Net interest margin | 4.3181% | 988 |
| Noninterest income to average assets | 1.0967% | 989 |
| Noninterest expense to average assets | 4.2205% | 584 |
| Loan and lease loss provision to assets | 0.0090% | 4,052 |
| Net operating income to assets | 0.5349% | 4,671 |
| Return on assets (ROA) | 0.5888% | 4,507 |
| Pretax return on assets | 0.7821% | 4,344 |
| Return on Equity (ROE) | 6.4263% | 3,925 |
| Retained earnings to average equity (ytd only) | 5.1999% | 2,832 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.4413% | 1,326 |
| Assets per employee ($millions) | 2.4501% | 6,324 |
| Cash dividends to net income (ytd only)* | 19.0840% | 3,203 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1524% | 4,654 |
| Loan loss allowance to noncurrent loans | 272.2222% | 1,641 |
| Noncurrent assets plus other real estate owned to assets | 0.7188% | 3,826 |
| Noncurrent loans to loans | 0.4233% | 4,725 |
| Net loans and leases to total assets | 57.1833% | 4,090 |
| Net loans and leases to deposits | 64.8820% | 4,389 |
| Net loans and leases to core deposits | 67.2722% | 4,525 |
| Total domestic deposits to total assets | 88.1343% | 1,830 |
| Equity capital to assets | 9.3533% | 4,916 |
| Core capital (leverage) ratio | 9.1720% | 4,783 |
| Tier 1 risk-based capital ratio | 15.3252% | 3,457 |
| Total risk-based capital ratio | 16.4269% | 3,482 |
| Memoranda: | ||
| Average total assets | $44,496,670 | 6,046 |
| Average earning assets | $39,600,330 | 6,056 |
| Average equity | $4,077,000 | 6,188 |
| Average total loans | $25,476,330 | 5,856 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6533% | 1,367 |
| Cost of funding earning assets | 0.2211% | 5,842 |
| Net interest margin | 4.4322% | 753 |
| Noninterest income to average assets | 0.8950% | 1,407 |
| Noninterest expense to average assets | 4.2422% | 577 |
| Loan and lease loss provision to assets | 0.0179% | 3,599 |
| Net operating income to assets | 0.4502% | 4,929 |
| Return on assets (ROA) | 0.5191% | 4,664 |
| Pretax return on assets | 0.6712% | 4,591 |
| Return on Equity (ROE) | 5.7242% | 4,167 |
| Retained earnings to average equity (ytd only) | 4.0464% | 3,685 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.6155% | 1,271 |
| Assets per employee ($millions) | 2.3767% | 6,436 |
| Cash dividends to net income (ytd only)* | 29.3103% | 2,308 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1728% | 4,764 |
| Loan loss allowance to noncurrent loans | 136.1111% | 2,873 |
| Noncurrent assets plus other real estate owned to assets | 0.8614% | 3,575 |
| Noncurrent loans to loans | 0.8617% | 3,739 |
| Net loans and leases to total assets | 54.8619% | 4,294 |
| Net loans and leases to deposits | 61.7790% | 4,572 |
| Net loans and leases to core deposits | 63.9808% | 4,693 |
| Total domestic deposits to total assets | 88.8035% | 1,774 |
| Equity capital to assets | 9.0086% | 5,111 |
| Core capital (leverage) ratio | 8.8876% | 5,156 |
| Tier 1 risk-based capital ratio | 15.4885% | 3,438 |
| Total risk-based capital ratio | 16.6198% | 3,464 |
| Memoranda: | ||
| Average total assets | $44,694,000 | 6,095 |
| Average earning assets | $39,799,500 | 6,103 |
| Average equity | $4,053,000 | 6,240 |
| Average total loans | $25,458,000 | 5,914 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0104% | 4,057 |
| Cost of funding earning assets | 0.2641% | 5,880 |
| Net interest margin | 3.7463% | 2,868 |
| Noninterest income to average assets | 1.2369% | 912 |
| Noninterest expense to average assets | 4.1245% | 757 |
| Loan and lease loss provision to assets | 0.0110% | 4,906 |
| Net operating income to assets | 0.3780% | 5,232 |
| Return on assets (ROA) | 0.4490% | 5,088 |
| Pretax return on assets | 0.5986% | 4,875 |
| Return on Equity (ROE) | 5.1298% | 4,566 |
| Retained earnings to average equity (ytd only) | 4.7023% | 2,812 |
| Net charge-offs to loans | 0.0323% | 4,789 |
| Credit loss provision to net charge-offs | 62.5000% | 3,489 |
| Earnings coverage of net charge-offs (x) | 29.2500% | 1,210 |
| Efficiency ratio | 88.8994% | 1,118 |
| Assets per employee ($millions) | 2.3279% | 6,505 |
| Cash dividends to net income (ytd only)* | 8.3333% | 4,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1297% | 5,000 |
| Loan loss allowance to noncurrent loans | 116.8000% | 3,220 |
| Noncurrent assets plus other real estate owned to assets | 1.0603% | 3,296 |
| Noncurrent loans to loans | 0.9672% | 3,587 |
| Net loans and leases to total assets | 57.7785% | 4,072 |
| Net loans and leases to deposits | 65.1656% | 4,393 |
| Net loans and leases to core deposits | 68.6270% | 4,433 |
| Total domestic deposits to total assets | 88.6641% | 1,820 |
| Equity capital to assets | 9.1293% | 4,889 |
| Core capital (leverage) ratio | 8.9930% | 5,020 |
| Tier 1 risk-based capital ratio | 14.8522% | 3,749 |
| Total risk-based capital ratio | 15.9405% | 3,787 |
| Memoranda: | ||
| Average total assets | $45,436,000 | 6,139 |
| Average earning assets | $41,267,200 | 6,135 |
| Average equity | $3,976,800 | 6,331 |
| Average total loans | $24,769,200 | 5,995 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8304% | 4,732 |
| Cost of funding earning assets | 0.2779% | 5,901 |
| Net interest margin | 3.5524% | 3,644 |
| Noninterest income to average assets | 1.2039% | 1,006 |
| Noninterest expense to average assets | 4.0753% | 790 |
| Loan and lease loss provision to assets | 0.0146% | 4,715 |
| Net operating income to assets | 0.2720% | 5,703 |
| Return on assets (ROA) | 0.3673% | 5,515 |
| Pretax return on assets | 0.4810% | 5,413 |
| Return on Equity (ROE) | 4.2408% | 5,113 |
| Retained earnings to average equity (ytd only) | 3.6686% | 4,091 |
| Net charge-offs to loans | -0.0272% | 6,142 |
| Credit loss provision to net charge-offs | -100.0000% | 5,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.6721% | 874 |
| Assets per employee ($millions) | 2.4369% | 6,521 |
| Cash dividends to net income (ytd only)* | 13.4940% | 3,337 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2234% | 4,771 |
| Loan loss allowance to noncurrent loans | 72.7924% | 4,312 |
| Noncurrent assets plus other real estate owned to assets | 1.2721% | 3,103 |
| Noncurrent loans to loans | 1.6806% | 2,670 |
| Net loans and leases to total assets | 56.1417% | 4,303 |
| Net loans and leases to deposits | 63.2036% | 4,605 |
| Net loans and leases to core deposits | 66.5801% | 4,659 |
| Total domestic deposits to total assets | 88.8268% | 1,653 |
| Equity capital to assets | 9.0005% | 5,189 |
| Core capital (leverage) ratio | 8.8453% | 5,336 |
| Tier 1 risk-based capital ratio | 14.8292% | 3,858 |
| Total risk-based capital ratio | 15.9871% | 3,887 |
| Memoranda: | ||
| Average total assets | $45,737,250 | 6,196 |
| Average earning assets | $41,735,750 | 6,189 |
| Average equity | $3,961,500 | 6,413 |
| Average total loans | $24,499,500 | 6,066 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7712% | 4,921 |
| Cost of funding earning assets | 0.2991% | 5,835 |
| Net interest margin | 3.4722% | 3,914 |
| Noninterest income to average assets | 1.2295% | 1,028 |
| Noninterest expense to average assets | 4.0162% | 845 |
| Loan and lease loss provision to assets | 0.0216% | 4,464 |
| Net operating income to assets | 0.2966% | 5,614 |
| Return on assets (ROA) | 0.4098% | 5,344 |
| Pretax return on assets | 0.5479% | 5,207 |
| Return on Equity (ROE) | 4.7907% | 4,831 |
| Retained earnings to average equity (ytd only) | 3.9334% | 3,791 |
| Net charge-offs to loans | -0.3942% | 6,795 |
| Credit loss provision to net charge-offs | -10.4167% | 5,453 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.5642% | 1,021 |
| Assets per employee ($millions) | 2.5136% | 6,488 |
| Cash dividends to net income (ytd only)* | 17.8947% | 3,075 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4562% | 3,785 |
| Loan loss allowance to noncurrent loans | 35.0101% | 5,838 |
| Noncurrent assets plus other real estate owned to assets | 2.3494% | 1,827 |
| Noncurrent loans to loans | 4.1593% | 910 |
| Net loans and leases to total assets | 52.0500% | 4,860 |
| Net loans and leases to deposits | 58.6609% | 5,102 |
| Net loans and leases to core deposits | 60.7413% | 5,193 |
| Total domestic deposits to total assets | 88.7302% | 1,765 |
| Equity capital to assets | 8.7413% | 5,498 |
| Core capital (leverage) ratio | 8.2753% | 5,914 |
| Tier 1 risk-based capital ratio | 15.0410% | 3,753 |
| Total risk-based capital ratio | 16.3296% | 3,690 |
| Memoranda: | ||
| Average total assets | $46,361,670 | 6,223 |
| Average earning assets | $42,797,670 | 6,197 |
| Average equity | $3,966,000 | 6,457 |
| Average total loans | $24,355,670 | 6,103 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9025% | 4,461 |
| Cost of funding earning assets | 0.3129% | 5,866 |
| Net interest margin | 3.5895% | 3,302 |
| Noninterest income to average assets | 1.0912% | 1,239 |
| Noninterest expense to average assets | 3.7852% | 1,133 |
| Loan and lease loss provision to assets | 0.0426% | 3,890 |
| Net operating income to assets | 0.4306% | 5,002 |
| Return on assets (ROA) | 0.5115% | 4,747 |
| Pretax return on assets | 0.6991% | 4,585 |
| Return on Equity (ROE) | 6.0431% | 4,025 |
| Retained earnings to average equity (ytd only) | 4.3309% | 3,635 |
| Net charge-offs to loans | -0.8949% | 6,923 |
| Credit loss provision to net charge-offs | -9.0909% | 4,962 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.7143% | 1,546 |
| Assets per employee ($millions) | 2.8643% | 6,197 |
| Cash dividends to net income (ytd only)* | 28.3333% | 2,135 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4293% | 4,093 |
| Loan loss allowance to noncurrent loans | 43.6654% | 5,444 |
| Noncurrent assets plus other real estate owned to assets | 1.9777% | 2,370 |
| Noncurrent loans to loans | 3.2733% | 1,484 |
| Net loans and leases to total assets | 50.2783% | 4,950 |
| Net loans and leases to deposits | 56.0986% | 5,226 |
| Net loans and leases to core deposits | 58.3447% | 5,306 |
| Total domestic deposits to total assets | 89.6248% | 1,280 |
| Equity capital to assets | 8.1921% | 6,256 |
| Core capital (leverage) ratio | 7.9788% | 6,166 |
| Tier 1 risk-based capital ratio | 14.6402% | 4,074 |
| Total risk-based capital ratio | 15.8904% | 4,039 |
| Memoranda: | ||
| Average total assets | $46,920,000 | 6,274 |
| Average earning assets | $43,459,500 | 6,231 |
| Average equity | $3,971,500 | 6,526 |
| Average total loans | $24,584,500 | 6,140 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0994% | 4,949 |
| Cost of funding earning assets | 0.4118% | 5,838 |
| Net interest margin | 3.6876% | 3,697 |
| Noninterest income to average assets | 0.9893% | 1,563 |
| Noninterest expense to average assets | 3.9118% | 1,086 |
| Loan and lease loss provision to assets | 0.1123% | 4,230 |
| Net operating income to assets | 0.2722% | 5,567 |
| Return on assets (ROA) | 0.3953% | 5,358 |
| Pretax return on assets | 0.5357% | 5,177 |
| Return on Equity (ROE) | 4.7463% | 4,816 |
| Retained earnings to average equity (ytd only) | 4.7204% | 2,902 |
| Net charge-offs to loans | 0.3615% | 2,827 |
| Credit loss provision to net charge-offs | 60.4651% | 4,431 |
| Earnings coverage of net charge-offs (x) | 2.5930% | 4,123 |
| Efficiency ratio | 89.0364% | 1,146 |
| Assets per employee ($millions) | 2.6557% | 6,473 |
| Cash dividends to net income (ytd only)* | 0.5464% | 4,293 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2124% | 5,058 |
| Loan loss allowance to noncurrent loans | 36.1963% | 5,810 |
| Noncurrent assets plus other real estate owned to assets | 2.1375% | 2,288 |
| Noncurrent loans to loans | 3.3495% | 1,519 |
| Net loans and leases to total assets | 53.2416% | 4,721 |
| Net loans and leases to deposits | 59.8635% | 5,042 |
| Net loans and leases to core deposits | 62.8829% | 5,076 |
| Total domestic deposits to total assets | 88.9384% | 1,603 |
| Equity capital to assets | 8.7581% | 5,784 |
| Core capital (leverage) ratio | 8.1430% | 6,047 |
| Tier 1 risk-based capital ratio | 14.6943% | 3,899 |
| Total risk-based capital ratio | 15.8359% | 3,928 |
| Memoranda: | ||
| Average total assets | $46,295,800 | 6,320 |
| Average earning assets | $42,737,600 | 6,283 |
| Average equity | $3,855,600 | 6,601 |
| Average total loans | $23,792,200 | 6,249 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1204% | 5,113 |
| Cost of funding earning assets | 0.4251% | 5,959 |
| Net interest margin | 3.6953% | 3,818 |
| Noninterest income to average assets | 0.9674% | 1,603 |
| Noninterest expense to average assets | 3.9441% | 1,010 |
| Loan and lease loss provision to assets | 0.1174% | 4,083 |
| Net operating income to assets | 0.2388% | 5,813 |
| Return on assets (ROA) | 0.3606% | 5,605 |
| Pretax return on assets | 0.4751% | 5,530 |
| Return on Equity (ROE) | 4.3853% | 5,108 |
| Retained earnings to average equity (ytd only) | 4.3503% | 3,831 |
| Net charge-offs to loans | 0.4790% | 2,182 |
| Credit loss provision to net charge-offs | 48.2353% | 4,443 |
| Earnings coverage of net charge-offs (x) | 1.7765% | 4,382 |
| Efficiency ratio | 90.1243% | 1,032 |
| Assets per employee ($millions) | 2.8030% | 6,354 |
| Cash dividends to net income (ytd only)* | 0.7917% | 3,705 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2175% | 5,208 |
| Loan loss allowance to noncurrent loans | 27.9138% | 6,220 |
| Noncurrent assets plus other real estate owned to assets | 2.2749% | 2,345 |
| Noncurrent loans to loans | 4.3616% | 1,106 |
| Net loans and leases to total assets | 48.5278% | 5,489 |
| Net loans and leases to deposits | 54.2295% | 5,794 |
| Net loans and leases to core deposits | 57.1485% | 5,795 |
| Total domestic deposits to total assets | 89.4861% | 1,135 |
| Equity capital to assets | 8.2789% | 6,432 |
| Core capital (leverage) ratio | 8.2359% | 6,097 |
| Tier 1 risk-based capital ratio | 15.0495% | 3,812 |
| Total risk-based capital ratio | 16.1960% | 3,842 |
| Memoranda: | ||
| Average total assets | $46,583,000 | 6,379 |
| Average earning assets | $42,972,250 | 6,342 |
| Average equity | $3,831,000 | 6,686 |
| Average total loans | $23,657,250 | 6,342 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1528% | 5,124 |
| Cost of funding earning assets | 0.4520% | 5,960 |
| Net interest margin | 3.7008% | 3,815 |
| Noninterest income to average assets | 0.9518% | 1,609 |
| Noninterest expense to average assets | 4.0193% | 918 |
| Loan and lease loss provision to assets | 0.0909% | 4,433 |
| Net operating income to assets | 0.2039% | 5,903 |
| Return on assets (ROA) | 0.2293% | 6,020 |
| Pretax return on assets | 0.2726% | 6,019 |
| Return on Equity (ROE) | 2.7946% | 5,765 |
| Retained earnings to average equity (ytd only) | 2.7946% | 4,761 |
| Net charge-offs to loans | 0.7161% | 1,547 |
| Credit loss provision to net charge-offs | 24.7059% | 4,534 |
| Earnings coverage of net charge-offs (x) | 0.9059% | 4,586 |
| Efficiency ratio | 92.3459% | 907 |
| Assets per employee ($millions) | 2.6852% | 6,548 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1548% | 5,551 |
| Loan loss allowance to noncurrent loans | 25.7282% | 6,330 |
| Noncurrent assets plus other real estate owned to assets | 2.4886% | 2,246 |
| Noncurrent loans to loans | 4.4884% | 1,183 |
| Net loans and leases to total assets | 49.6911% | 5,391 |
| Net loans and leases to deposits | 55.6461% | 5,690 |
| Net loans and leases to core deposits | 59.8891% | 5,603 |
| Total domestic deposits to total assets | 89.2985% | 1,334 |
| Equity capital to assets | 8.4297% | 6,277 |
| Core capital (leverage) ratio | 7.9285% | 6,339 |
| Tier 1 risk-based capital ratio | 14.7137% | 3,957 |
| Total risk-based capital ratio | 15.7764% | 4,050 |
| Memoranda: | ||
| Average total assets | $46,227,000 | 6,432 |
| Average earning assets | $42,477,670 | 6,398 |
| Average equity | $3,793,000 | 6,731 |
| Average total loans | $23,740,000 | 6,379 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1894% | 5,148 |
| Cost of funding earning assets | 0.4697% | 6,015 |
| Net interest margin | 3.7198% | 3,737 |
| Noninterest income to average assets | 0.9631% | 1,527 |
| Noninterest expense to average assets | 3.9986% | 938 |
| Loan and lease loss provision to assets | 0.0860% | 4,303 |
| Net operating income to assets | 0.2329% | 5,878 |
| Return on assets (ROA) | 0.2752% | 5,897 |
| Pretax return on assets | 0.3354% | 5,892 |
| Return on Equity (ROE) | 3.3993% | 5,547 |
| Retained earnings to average equity (ytd only) | 3.3993% | 4,530 |
| Net charge-offs to loans | 1.3921% | 723 |
| Credit loss provision to net charge-offs | 11.9048% | 3,876 |
| Earnings coverage of net charge-offs (x) | 0.5119% | 4,083 |
| Efficiency ratio | 91.5354% | 978 |
| Assets per employee ($millions) | 2.7951% | 6,503 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0836% | 5,952 |
| Loan loss allowance to noncurrent loans | 23.3516% | 6,444 |
| Noncurrent assets plus other real estate owned to assets | 2.3402% | 2,546 |
| Noncurrent loans to loans | 4.6403% | 1,235 |
| Net loans and leases to total assets | 48.9888% | 5,432 |
| Net loans and leases to deposits | 54.6073% | 5,746 |
| Net loans and leases to core deposits | 58.2023% | 5,694 |
| Total domestic deposits to total assets | 89.7111% | 1,237 |
| Equity capital to assets | 8.0035% | 6,522 |
| Core capital (leverage) ratio | 7.7629% | 6,440 |
| Tier 1 risk-based capital ratio | 14.2891% | 4,248 |
| Total risk-based capital ratio | 15.2879% | 4,412 |
| Memoranda: | ||
| Average total assets | $46,516,500 | 6,474 |
| Average earning assets | $42,583,500 | 6,435 |
| Average equity | $3,765,500 | 6,784 |
| Average total loans | $24,136,000 | 6,414 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8033% | 3,795 |
| Cost of funding earning assets | 0.5963% | 6,105 |
| Net interest margin | 4.2070% | 2,033 |
| Noninterest income to average assets | 0.5421% | 3,566 |
| Noninterest expense to average assets | 4.1268% | 884 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.0759% | 5,909 |
| Return on assets (ROA) | 0.2323% | 5,625 |
| Pretax return on assets | 0.3054% | 5,544 |
| Return on Equity (ROE) | 2.8261% | 5,357 |
| Retained earnings to average equity (ytd only) | 1.8841% | 4,860 |
| Net charge-offs to loans | -0.2181% | 7,216 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.6440% | 743 |
| Assets per employee ($millions) | 2.6774% | 6,640 |
| Cash dividends to net income (ytd only)* | 33.3333% | 2,958 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3299% | 4,756 |
| Loan loss allowance to noncurrent loans | 29.4275% | 6,232 |
| Noncurrent assets plus other real estate owned to assets | 2.4563% | 2,480 |
| Noncurrent loans to loans | 4.5192% | 1,319 |
| Net loans and leases to total assets | 53.6295% | 5,093 |
| Net loans and leases to deposits | 59.9313% | 5,487 |
| Net loans and leases to core deposits | 64.4897% | 5,417 |
| Total domestic deposits to total assets | 89.4850% | 1,272 |
| Equity capital to assets | 8.1905% | 6,441 |
| Core capital (leverage) ratio | 8.0024% | 6,265 |
| Tier 1 risk-based capital ratio | 13.7977% | 4,483 |
| Total risk-based capital ratio | 14.8626% | 4,580 |
| Memoranda: | ||
| Average total assets | $45,192,400 | 6,503 |
| Average earning assets | $39,576,600 | 6,547 |
| Average equity | $3,715,400 | 6,824 |
| Average total loans | $22,926,800 | 6,511 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8588% | 3,739 |
| Cost of funding earning assets | 0.6256% | 6,150 |
| Net interest margin | 4.2332% | 1,975 |
| Noninterest income to average assets | 0.5024% | 3,856 |
| Noninterest expense to average assets | 4.2353% | 768 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | -0.0411% | 6,206 |
| Return on assets (ROA) | 0.1714% | 5,897 |
| Pretax return on assets | 0.2158% | 5,866 |
| Return on Equity (ROE) | 2.0831% | 5,747 |
| Retained earnings to average equity (ytd only) | 1.1853% | 5,537 |
| Net charge-offs to loans | -0.2907% | 7,302 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.2721% | 626 |
| Assets per employee ($millions) | 2.3763% | 7,011 |
| Cash dividends to net income (ytd only)* | 43.1010% | 1,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3801% | 4,638 |
| Loan loss allowance to noncurrent loans | 32.7000% | 6,099 |
| Noncurrent assets plus other real estate owned to assets | 2.2148% | 2,879 |
| Noncurrent loans to loans | 4.2205% | 1,553 |
| Net loans and leases to total assets | 51.7542% | 5,478 |
| Net loans and leases to deposits | 57.8878% | 5,849 |
| Net loans and leases to core deposits | 61.9125% | 5,818 |
| Total domestic deposits to total assets | 89.4042% | 1,191 |
| Equity capital to assets | 8.2237% | 6,546 |
| Core capital (leverage) ratio | 8.0724% | 6,316 |
| Tier 1 risk-based capital ratio | 14.2097% | 4,193 |
| Total risk-based capital ratio | 15.3177% | 4,279 |
| Memoranda: | ||
| Average total assets | $45,111,500 | 6,556 |
| Average earning assets | $39,213,000 | 6,622 |
| Average equity | $3,712,250 | 6,880 |
| Average total loans | $22,473,750 | 6,599 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8658% | 3,775 |
| Cost of funding earning assets | 0.6546% | 6,206 |
| Net interest margin | 4.2112% | 1,990 |
| Noninterest income to average assets | 0.5809% | 3,256 |
| Noninterest expense to average assets | 4.4081% | 663 |
| Loan and lease loss provision to assets | 0.1153% | 4,844 |
| Net operating income to assets | -0.1462% | 6,413 |
| Return on assets (ROA) | 0.0355% | 6,236 |
| Pretax return on assets | -0.0355% | 6,298 |
| Return on Equity (ROE) | 0.4310% | 6,205 |
| Retained earnings to average equity (ytd only) | -0.4849% | 5,959 |
| Net charge-offs to loans | -0.0091% | 6,666 |
| Credit loss provision to net charge-offs | -2,600.0000% | 6,706 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.8523% | 590 |
| Assets per employee ($millions) | 2.3892% | 7,034 |
| Cash dividends to net income (ytd only)* | 212.5000% | 91 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3424% | 4,865 |
| Loan loss allowance to noncurrent loans | 30.1682% | 6,255 |
| Noncurrent assets plus other real estate owned to assets | 2.3329% | 2,820 |
| Noncurrent loans to loans | 4.4496% | 1,498 |
| Net loans and leases to total assets | 49.3799% | 5,900 |
| Net loans and leases to deposits | 56.8256% | 6,064 |
| Net loans and leases to core deposits | 60.8667% | 6,016 |
| Total domestic deposits to total assets | 86.8972% | 2,801 |
| Equity capital to assets | 8.0802% | 6,618 |
| Core capital (leverage) ratio | 7.7961% | 6,516 |
| Tier 1 risk-based capital ratio | 14.5796% | 3,740 |
| Total risk-based capital ratio | 15.7296% | 3,777 |
| Memoranda: | ||
| Average total assets | $45,098,670 | 6,621 |
| Average earning assets | $38,801,330 | 6,690 |
| Average equity | $3,712,000 | 6,923 |
| Average total loans | $22,067,000 | 6,680 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9330% | 3,397 |
| Cost of funding earning assets | 0.6851% | 6,222 |
| Net interest margin | 4.2479% | 1,754 |
| Noninterest income to average assets | 0.4983% | 3,903 |
| Noninterest expense to average assets | 4.3426% | 694 |
| Loan and lease loss provision to assets | 0.0979% | 4,781 |
| Net operating income to assets | -0.1669% | 6,526 |
| Return on assets (ROA) | 0.0267% | 6,322 |
| Pretax return on assets | -0.0534% | 6,407 |
| Return on Equity (ROE) | 0.3214% | 6,301 |
| Retained earnings to average equity (ytd only) | -0.5356% | 5,890 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.3181% | 567 |
| Assets per employee ($millions) | 2.3287% | 7,162 |
| Cash dividends to net income (ytd only)* | 266.6667% | 118 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3788% | 4,774 |
| Loan loss allowance to noncurrent loans | 30.5263% | 6,273 |
| Noncurrent assets plus other real estate owned to assets | 2.1751% | 3,099 |
| Noncurrent loans to loans | 4.5167% | 1,546 |
| Net loans and leases to total assets | 44.5387% | 6,427 |
| Net loans and leases to deposits | 49.6173% | 6,653 |
| Net loans and leases to core deposits | 52.8336% | 6,634 |
| Total domestic deposits to total assets | 89.7645% | 1,313 |
| Equity capital to assets | 8.0046% | 6,488 |
| Core capital (leverage) ratio | 7.9234% | 6,334 |
| Tier 1 risk-based capital ratio | 15.7471% | 3,026 |
| Total risk-based capital ratio | 16.9885% | 2,992 |
| Memoranda: | ||
| Average total assets | $44,950,500 | 6,671 |
| Average earning assets | $37,948,500 | 6,760 |
| Average equity | $3,734,000 | 6,950 |
| Average total loans | $21,740,000 | 6,757 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2704% | 3,269 |
| Cost of funding earning assets | 0.7904% | 6,610 |
| Net interest margin | 4.4800% | 1,276 |
| Noninterest income to average assets | 0.7155% | 2,752 |
| Noninterest expense to average assets | 4.5191% | 635 |
| Loan and lease loss provision to assets | 0.3100% | 4,321 |
| Net operating income to assets | -0.1142% | 6,010 |
| Return on assets (ROA) | 0.0886% | 5,752 |
| Pretax return on assets | 0.0653% | 5,771 |
| Return on Equity (ROE) | 1.0108% | 5,690 |
| Retained earnings to average equity (ytd only) | 0.1330% | 5,517 |
| Net charge-offs to loans | 0.7479% | 2,774 |
| Credit loss provision to net charge-offs | 83.1250% | 5,435 |
| Earnings coverage of net charge-offs (x) | 0.4625% | 5,651 |
| Efficiency ratio | 96.3239% | 955 |
| Assets per employee ($millions) | 2.0632% | 7,394 |
| Cash dividends to net income (ytd only)* | 86.8421% | 655 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2429% | 5,310 |
| Loan loss allowance to noncurrent loans | 31.6327% | 6,192 |
| Noncurrent assets plus other real estate owned to assets | 2.2757% | 2,995 |
| Noncurrent loans to loans | 3.9293% | 1,856 |
| Net loans and leases to total assets | 51.1632% | 6,029 |
| Net loans and leases to deposits | 57.4792% | 6,307 |
| Net loans and leases to core deposits | 60.7725% | 6,333 |
| Total domestic deposits to total assets | 89.0117% | 1,656 |
| Equity capital to assets | 8.6318% | 5,683 |
| Core capital (leverage) ratio | 8.1278% | 5,948 |
| Tier 1 risk-based capital ratio | 14.8264% | 3,353 |
| Total risk-based capital ratio | 15.9933% | 3,360 |
| Memoranda: | ||
| Average total assets | $42,906,400 | 6,769 |
| Average earning assets | $38,080,600 | 6,789 |
| Average equity | $3,759,400 | 7,070 |
| Average total loans | $21,394,200 | 6,855 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3099% | 3,303 |
| Cost of funding earning assets | 0.8053% | 6,747 |
| Net interest margin | 4.5046% | 1,246 |
| Noninterest income to average assets | 0.7196% | 2,707 |
| Noninterest expense to average assets | 4.5045% | 589 |
| Loan and lease loss provision to assets | 0.3769% | 3,630 |
| Net operating income to assets | -0.1495% | 6,247 |
| Return on assets (ROA) | 0.0561% | 6,007 |
| Pretax return on assets | 0.0343% | 6,035 |
| Return on Equity (ROE) | 0.6376% | 5,982 |
| Retained earnings to average equity (ytd only) | -0.2479% | 5,842 |
| Net charge-offs to loans | 0.7383% | 2,575 |
| Credit loss provision to net charge-offs | 103.4188% | 4,150 |
| Earnings coverage of net charge-offs (x) | 0.5641% | 5,453 |
| Efficiency ratio | 95.6349% | 919 |
| Assets per employee ($millions) | 2.1324% | 7,438 |
| Cash dividends to net income (ytd only)* | 138.8750% | 163 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3959% | 4,485 |
| Loan loss allowance to noncurrent loans | 40.1035% | 5,619 |
| Noncurrent assets plus other real estate owned to assets | 2.0611% | 3,392 |
| Noncurrent loans to loans | 3.4807% | 2,283 |
| Net loans and leases to total assets | 51.3471% | 6,178 |
| Net loans and leases to deposits | 57.8302% | 6,476 |
| Net loans and leases to core deposits | 60.7721% | 6,553 |
| Total domestic deposits to total assets | 88.7894% | 1,515 |
| Equity capital to assets | 8.8705% | 5,745 |
| Core capital (leverage) ratio | 8.4324% | 5,637 |
| Tier 1 risk-based capital ratio | 15.0123% | 3,248 |
| Total risk-based capital ratio | 16.2616% | 3,234 |
| Memoranda: | ||
| Average total assets | $42,801,000 | 6,857 |
| Average earning assets | $37,915,750 | 6,880 |
| Average equity | $3,764,250 | 7,161 |
| Average total loans | $21,131,000 | 6,954 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4212% | 2,885 |
| Cost of funding earning assets | 0.8187% | 6,853 |
| Net interest margin | 4.6025% | 987 |
| Noninterest income to average assets | 0.6907% | 2,759 |
| Noninterest expense to average assets | 4.3825% | 660 |
| Loan and lease loss provision to assets | 0.1587% | 5,301 |
| Net operating income to assets | 0.1732% | 5,651 |
| Return on assets (ROA) | 0.3547% | 5,113 |
| Pretax return on assets | 0.4947% | 4,915 |
| Return on Equity (ROE) | 4.0447% | 4,755 |
| Retained earnings to average equity (ytd only) | 3.1400% | 4,115 |
| Net charge-offs to loans | 0.1926% | 4,457 |
| Credit loss provision to net charge-offs | 170.0000% | 2,300 |
| Earnings coverage of net charge-offs (x) | 4.3000% | 2,998 |
| Efficiency ratio | 91.6098% | 1,213 |
| Assets per employee ($millions) | 1.8766% | 7,623 |
| Cash dividends to net income (ytd only)* | 22.3684% | 2,822 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5448% | 3,690 |
| Loan loss allowance to noncurrent loans | 45.6491% | 5,260 |
| Noncurrent assets plus other real estate owned to assets | 1.9571% | 3,547 |
| Noncurrent loans to loans | 3.3842% | 2,360 |
| Net loans and leases to total assets | 49.3969% | 6,500 |
| Net loans and leases to deposits | 55.9921% | 6,728 |
| Net loans and leases to core deposits | 59.2074% | 6,755 |
| Total domestic deposits to total assets | 88.2212% | 1,871 |
| Equity capital to assets | 9.2719% | 5,046 |
| Core capital (leverage) ratio | 8.4364% | 5,519 |
| Tier 1 risk-based capital ratio | 16.2771% | 2,560 |
| Total risk-based capital ratio | 17.5702% | 2,492 |
| Memoranda: | ||
| Average total assets | $42,852,330 | 6,908 |
| Average earning assets | $38,109,330 | 6,922 |
| Average equity | $3,758,000 | 7,193 |
| Average total loans | $20,772,000 | 7,022 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3573% | 3,258 |
| Cost of funding earning assets | 0.8486% | 6,942 |
| Net interest margin | 4.5087% | 1,121 |
| Noninterest income to average assets | 0.6783% | 2,750 |
| Noninterest expense to average assets | 4.3909% | 646 |
| Loan and lease loss provision to assets | 0.1467% | 5,081 |
| Net operating income to assets | 0.1331% | 5,913 |
| Return on assets (ROA) | 0.3575% | 5,165 |
| Pretax return on assets | 0.4950% | 4,974 |
| Return on Equity (ROE) | 4.1902% | 4,809 |
| Retained earnings to average equity (ytd only) | 3.3306% | 4,153 |
| Net charge-offs to loans | 0.4423% | 2,721 |
| Credit loss provision to net charge-offs | 69.5652% | 4,107 |
| Earnings coverage of net charge-offs (x) | 1.5652% | 3,793 |
| Efficiency ratio | 93.0097% | 1,201 |
| Assets per employee ($millions) | 1.9716% | 7,679 |
| Cash dividends to net income (ytd only)* | 20.5128% | 2,228 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4615% | 4,124 |
| Loan loss allowance to noncurrent loans | 42.8367% | 5,494 |
| Noncurrent assets plus other real estate owned to assets | 1.9020% | 3,634 |
| Noncurrent loans to loans | 3.4117% | 2,334 |
| Net loans and leases to total assets | 46.4784% | 6,798 |
| Net loans and leases to deposits | 52.1564% | 7,032 |
| Net loans and leases to core deposits | 56.9041% | 6,941 |
| Total domestic deposits to total assets | 89.1135% | 1,463 |
| Equity capital to assets | 8.6248% | 5,840 |
| Core capital (leverage) ratio | 8.1917% | 5,916 |
| Tier 1 risk-based capital ratio | 15.6777% | 2,792 |
| Total risk-based capital ratio | 16.9680% | 2,716 |
| Memoranda: | ||
| Average total assets | $43,635,500 | 6,968 |
| Average earning assets | $39,124,000 | 6,967 |
| Average equity | $3,723,000 | 7,278 |
| Average total loans | $20,801,000 | 7,107 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4693% | 4,334 |
| Cost of funding earning assets | 1.2967% | 6,317 |
| Net interest margin | 4.1726% | 2,165 |
| Noninterest income to average assets | 0.7538% | 2,657 |
| Noninterest expense to average assets | 4.4645% | 824 |
| Loan and lease loss provision to assets | 0.2389% | 5,464 |
| Net operating income to assets | -0.1367% | 5,738 |
| Return on assets (ROA) | 0.2087% | 4,935 |
| Pretax return on assets | 0.2737% | 4,836 |
| Return on Equity (ROE) | 2.4644% | 4,726 |
| Retained earnings to average equity (ytd only) | 1.8620% | 3,793 |
| Net charge-offs to loans | 0.3347% | 4,566 |
| Credit loss provision to net charge-offs | 158.4615% | 2,830 |
| Earnings coverage of net charge-offs (x) | 0.3846% | 5,729 |
| Efficiency ratio | 98.7179% | 1,167 |
| Assets per employee ($millions) | 2.1948% | 7,578 |
| Cash dividends to net income (ytd only)* | 24.4444% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4473% | 3,994 |
| Loan loss allowance to noncurrent loans | 36.6906% | 5,989 |
| Noncurrent assets plus other real estate owned to assets | 2.1369% | 3,221 |
| Noncurrent loans to loans | 3.9446% | 1,878 |
| Net loans and leases to total assets | 47.4690% | 6,850 |
| Net loans and leases to deposits | 54.0463% | 7,048 |
| Net loans and leases to core deposits | 69.6983% | 6,796 |
| Total domestic deposits to total assets | 87.8303% | 2,056 |
| Equity capital to assets | 8.4404% | 5,993 |
| Core capital (leverage) ratio | 7.8621% | 6,369 |
| Tier 1 risk-based capital ratio | 15.0216% | 2,928 |
| Total risk-based capital ratio | 16.3116% | 2,860 |
| Memoranda: | ||
| Average total assets | $43,117,600 | 6,988 |
| Average earning assets | $38,944,600 | 6,980 |
| Average equity | $3,652,000 | 7,403 |
| Average total loans | $19,418,600 | 7,234 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0955% | 6,281 |
| Cost of funding earning assets | 1.3753% | 6,314 |
| Net interest margin | 3.7202% | 3,989 |
| Noninterest income to average assets | 1.0251% | 1,511 |
| Noninterest expense to average assets | 4.4544% | 781 |
| Loan and lease loss provision to assets | 0.2268% | 5,157 |
| Net operating income to assets | -0.2231% | 6,102 |
| Return on assets (ROA) | 0.2112% | 5,196 |
| Pretax return on assets | 0.2764% | 5,119 |
| Return on Equity (ROE) | 2.4915% | 4,995 |
| Retained earnings to average equity (ytd only) | 1.9787% | 4,220 |
| Net charge-offs to loans | 0.4564% | 3,407 |
| Credit loss provision to net charge-offs | 112.3077% | 4,520 |
| Earnings coverage of net charge-offs (x) | -0.3384% | 6,382 |
| Efficiency ratio | 101.5581% | 996 |
| Assets per employee ($millions) | 2.2174% | 7,596 |
| Cash dividends to net income (ytd only)* | 20.5934% | 3,220 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3800% | 4,057 |
| Loan loss allowance to noncurrent loans | 29.5187% | 6,492 |
| Noncurrent assets plus other real estate owned to assets | 2.3429% | 2,935 |
| Noncurrent loans to loans | 4.6750% | 1,472 |
| Net loans and leases to total assets | 44.4765% | 7,211 |
| Net loans and leases to deposits | 50.2497% | 7,397 |
| Net loans and leases to core deposits | 64.8027% | 7,210 |
| Total domestic deposits to total assets | 88.5111% | 1,432 |
| Equity capital to assets | 8.2351% | 6,592 |
| Core capital (leverage) ratio | 8.0459% | 6,283 |
| Tier 1 risk-based capital ratio | 15.5505% | 2,793 |
| Total risk-based capital ratio | 16.7673% | 2,760 |
| Memoranda: | ||
| Average total assets | $42,923,000 | 7,046 |
| Average earning assets | $38,778,250 | 7,040 |
| Average equity | $3,638,750 | 7,465 |
| Average total loans | $18,987,500 | 7,322 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3665% | 5,318 |
| Cost of funding earning assets | 1.4968% | 6,153 |
| Net interest margin | 3.8697% | 3,252 |
| Noninterest income to average assets | 0.8575% | 2,153 |
| Noninterest expense to average assets | 4.5797% | 715 |
| Loan and lease loss provision to assets | 0.2309% | 4,738 |
| Net operating income to assets | -0.3565% | 6,404 |
| Return on assets (ROA) | 0.1838% | 5,404 |
| Pretax return on assets | 0.2356% | 5,372 |
| Return on Equity (ROE) | 2.1462% | 5,240 |
| Retained earnings to average equity (ytd only) | 1.8160% | 4,333 |
| Net charge-offs to loans | 0.7292% | 2,226 |
| Credit loss provision to net charge-offs | 72.0588% | 5,383 |
| Earnings coverage of net charge-offs (x) | -0.7059% | 6,150 |
| Efficiency ratio | 105.1948% | 991 |
| Assets per employee ($millions) | 2.0855% | 7,788 |
| Cash dividends to net income (ytd only)* | 15.3846% | 3,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3768% | 3,851 |
| Loan loss allowance to noncurrent loans | 26.8898% | 6,704 |
| Noncurrent assets plus other real estate owned to assets | 2.1144% | 3,041 |
| Noncurrent loans to loans | 5.1203% | 1,180 |
| Net loans and leases to total assets | 40.7261% | 7,514 |
| Net loans and leases to deposits | 45.4606% | 7,657 |
| Net loans and leases to core deposits | 56.3752% | 7,579 |
| Total domestic deposits to total assets | 89.5856% | 1,008 |
| Equity capital to assets | 8.1744% | 6,526 |
| Core capital (leverage) ratio | 8.2040% | 5,977 |
| Tier 1 risk-based capital ratio | 15.0262% | 3,008 |
| Total risk-based capital ratio | 16.0936% | 3,021 |
| Memoranda: | ||
| Average total assets | $42,448,330 | 7,116 |
| Average earning assets | $38,349,000 | 7,116 |
| Average equity | $3,634,330 | 7,529 |
| Average total loans | $18,650,000 | 7,413 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5382% | 4,707 |
| Cost of funding earning assets | 1.5808% | 6,112 |
| Net interest margin | 3.9574% | 2,823 |
| Noninterest income to average assets | 0.8235% | 2,212 |
| Noninterest expense to average assets | 4.5386% | 683 |
| Loan and lease loss provision to assets | 0.0575% | 6,240 |
| Net operating income to assets | -0.1478% | 6,477 |
| Return on assets (ROA) | 0.2490% | 5,658 |
| Pretax return on assets | 0.3351% | 5,577 |
| Return on Equity (ROE) | 2.8404% | 5,430 |
| Retained earnings to average equity (ytd only) | 2.8404% | 4,294 |
| Net charge-offs to loans | 0.1479% | 3,782 |
| Credit loss provision to net charge-offs | 85.7143% | 4,091 |
| Earnings coverage of net charge-offs (x) | -2.1429% | 5,478 |
| Efficiency ratio | 103.2680% | 1,007 |
| Assets per employee ($millions) | 1.8623% | 7,988 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4245% | 3,364 |
| Loan loss allowance to noncurrent loans | 24.2507% | 6,953 |
| Noncurrent assets plus other real estate owned to assets | 2.5704% | 2,232 |
| Noncurrent loans to loans | 5.8742% | 828 |
| Net loans and leases to total assets | 43.1350% | 7,403 |
| Net loans and leases to deposits | 48.3146% | 7,565 |
| Net loans and leases to core deposits | 62.5563% | 7,369 |
| Total domestic deposits to total assets | 89.2793% | 1,106 |
| Equity capital to assets | 8.5612% | 5,971 |
| Core capital (leverage) ratio | 8.4890% | 5,559 |
| Tier 1 risk-based capital ratio | 17.2093% | 2,264 |
| Total risk-based capital ratio | 18.5078% | 2,200 |
| Memoranda: | ||
| Average total assets | $41,775,000 | 7,179 |
| Average earning assets | $37,701,500 | 7,190 |
| Average equity | $3,661,500 | 7,569 |
| Average total loans | $18,932,500 | 7,444 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9971% | 5,560 |
| Cost of funding earning assets | 1.9702% | 6,508 |
| Net interest margin | 4.0269% | 2,996 |
| Noninterest income to average assets | 0.9810% | 1,643 |
| Noninterest expense to average assets | 4.5862% | 822 |
| Loan and lease loss provision to assets | 0.1790% | 5,105 |
| Net operating income to assets | -0.1006% | 6,495 |
| Return on assets (ROA) | 0.0858% | 5,983 |
| Pretax return on assets | 0.0515% | 6,043 |
| Return on Equity (ROE) | 0.9673% | 5,928 |
| Retained earnings to average equity (ytd only) | 0.9673% | 4,655 |
| Net charge-offs to loans | 0.2826% | 3,518 |
| Credit loss provision to net charge-offs | 148.9796% | 3,541 |
| Earnings coverage of net charge-offs (x) | 0.3673% | 6,011 |
| Efficiency ratio | 99.0466% | 1,018 |
| Assets per employee ($millions) | 1.8508% | 8,013 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4015% | 3,186 |
| Loan loss allowance to noncurrent loans | 28.3298% | 6,808 |
| Noncurrent assets plus other real estate owned to assets | 2.3234% | 2,093 |
| Noncurrent loans to loans | 4.9472% | 901 |
| Net loans and leases to total assets | 46.3050% | 7,301 |
| Net loans and leases to deposits | 54.1331% | 7,430 |
| Net loans and leases to core deposits | 67.9546% | 7,287 |
| Total domestic deposits to total assets | 85.5392% | 2,611 |
| Equity capital to assets | 8.9791% | 5,396 |
| Core capital (leverage) ratio | 8.6409% | 5,302 |
| Tier 1 risk-based capital ratio | 17.1533% | 2,262 |
| Total risk-based capital ratio | 18.4082% | 2,216 |
| Memoranda: | ||
| Average total assets | $40,774,600 | 7,182 |
| Average earning assets | $36,951,400 | 7,194 |
| Average equity | $3,618,400 | 7,643 |
| Average total loans | $17,341,200 | 7,501 |