Home > Cedar Rapids State Bank > Performance and Condition Ratios
Cedar Rapids State Bank, Performance and Condition Ratios
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7339% | 538 |
| Cost of funding earning assets | 3.7835% | 109 |
| Net interest margin | 2.9504% | 3,232 |
| Noninterest income to average assets | 0.2800% | 3,178 |
| Noninterest expense to average assets | 2.0640% | 3,461 |
| Loan and lease loss provision to assets | 0.2400% | 529 |
| Net operating income to assets | 0.7801% | 2,747 |
| Return on assets (ROA) | 0.7801% | 2,761 |
| Pretax return on assets | 0.8028% | 3,044 |
| Return on Equity (ROE) | 8.9000% | 2,493 |
| Retained earnings to average equity (ytd only) | 4.7635% | 2,330 |
| Net charge-offs to loans | 0.0404% | 1,785 |
| Credit loss provision to net charge-offs | 567.8571% | 584 |
| Earnings coverage of net charge-offs (x) | 29.5179% | 1,543 |
| Efficiency ratio | 66.4434% | 2,440 |
| Assets per employee ($millions) | 9.2142% | 981 |
| Cash dividends to net income (ytd only)* | 46.4834% | 1,809 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7516% | 3,979 |
| Loan loss allowance to noncurrent loans | 344.5860% | 1,545 |
| Noncurrent assets plus other real estate owned to assets | 0.1893% | 2,495 |
| Noncurrent loans to loans | 0.2181% | 2,639 |
| Net loans and leases to total assets | 86.1500% | 148 |
| Net loans and leases to deposits | 96.6628% | 665 |
| Net loans and leases to core deposits | 151.7003% | 160 |
| Total domestic deposits to total assets | 89.1200% | 1,119 |
| Equity capital to assets | 9.5275% | 2,431 |
| Core capital (leverage) ratio | 9.4236% | 3,306 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3777% | 2,088 |
| Memoranda: | ||
| Average total assets | $158,577,400 | 3,284 |
| Average earning assets | $151,710,400 | 3,236 |
| Average equity | $13,897,400 | 3,424 |
| Average total loans | $138,715,000 | 2,832 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6924% | 546 |
| Cost of funding earning assets | 3.8463% | 105 |
| Net interest margin | 2.8461% | 3,371 |
| Noninterest income to average assets | 0.2700% | 3,229 |
| Noninterest expense to average assets | 2.0702% | 3,400 |
| Loan and lease loss provision to assets | 0.2900% | 363 |
| Net operating income to assets | 0.6226% | 3,157 |
| Return on assets (ROA) | 0.6226% | 3,184 |
| Pretax return on assets | 0.6362% | 3,406 |
| Return on Equity (ROE) | 7.2700% | 2,962 |
| Retained earnings to average equity (ytd only) | 2.8015% | 3,242 |
| Net charge-offs to loans | 0.0543% | 1,358 |
| Credit loss provision to net charge-offs | 482.1429% | 643 |
| Earnings coverage of net charge-offs (x) | 19.3393% | 1,774 |
| Efficiency ratio | 69.2067% | 2,118 |
| Assets per employee ($millions) | 9.2577% | 985 |
| Cash dividends to net income (ytd only)* | 61.4754% | 952 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7258% | 4,053 |
| Loan loss allowance to noncurrent loans | 133.5917% | 2,707 |
| Noncurrent assets plus other real estate owned to assets | 0.4645% | 1,488 |
| Noncurrent loans to loans | 0.5433% | 1,733 |
| Net loans and leases to total assets | 84.8700% | 204 |
| Net loans and leases to deposits | 93.6795% | 887 |
| Net loans and leases to core deposits | 160.5155% | 123 |
| Total domestic deposits to total assets | 90.6000% | 444 |
| Equity capital to assets | 9.0495% | 3,000 |
| Core capital (leverage) ratio | 9.0805% | 3,684 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0782% | 2,216 |
| Memoranda: | ||
| Average total assets | $156,757,750 | 3,297 |
| Average earning assets | $150,097,000 | 3,255 |
| Average equity | $13,421,250 | 3,483 |
| Average total loans | $137,402,000 | 2,839 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6144% | 554 |
| Cost of funding earning assets | 3.8012% | 99 |
| Net interest margin | 2.8132% | 3,398 |
| Noninterest income to average assets | 0.2900% | 3,062 |
| Noninterest expense to average assets | 2.1960% | 3,085 |
| Loan and lease loss provision to assets | 0.1200% | 978 |
| Net operating income to assets | 0.6581% | 3,045 |
| Return on assets (ROA) | 0.6581% | 3,076 |
| Pretax return on assets | 0.6725% | 3,288 |
| Return on Equity (ROE) | 7.8500% | 2,785 |
| Retained earnings to average equity (ytd only) | 4.7403% | 2,436 |
| Net charge-offs to loans | 0.0722% | 1,057 |
| Credit loss provision to net charge-offs | 132.6531% | 1,291 |
| Earnings coverage of net charge-offs (x) | 12.3673% | 1,892 |
| Efficiency ratio | 73.5487% | 1,689 |
| Assets per employee ($millions) | 9.2146% | 933 |
| Cash dividends to net income (ytd only)* | 39.6040% | 1,819 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5341% | 4,306 |
| Loan loss allowance to noncurrent loans | 70.1087% | 3,390 |
| Noncurrent assets plus other real estate owned to assets | 0.6656% | 1,011 |
| Noncurrent loans to loans | 0.7617% | 1,224 |
| Net loans and leases to total assets | 86.9100% | 119 |
| Net loans and leases to deposits | 98.0566% | 651 |
| Net loans and leases to core deposits | 125.6119% | 499 |
| Total domestic deposits to total assets | 88.6400% | 1,120 |
| Equity capital to assets | 8.7796% | 2,902 |
| Core capital (leverage) ratio | 9.2215% | 3,521 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4584% | 2,445 |
| Memoranda: | ||
| Average total assets | $153,464,000 | 3,336 |
| Average earning assets | $146,952,667 | 3,286 |
| Average equity | $12,868,333 | 3,520 |
| Average total loans | $135,715,667 | 2,855 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7072% | 466 |
| Cost of funding earning assets | 3.7742% | 94 |
| Net interest margin | 2.9330% | 3,125 |
| Noninterest income to average assets | 0.3200% | 2,808 |
| Noninterest expense to average assets | 2.3577% | 2,635 |
| Loan and lease loss provision to assets | 0.1200% | 864 |
| Net operating income to assets | 0.6274% | 3,078 |
| Return on assets (ROA) | 0.6274% | 3,103 |
| Pretax return on assets | 0.6410% | 3,300 |
| Return on Equity (ROE) | 7.6900% | 2,783 |
| Retained earnings to average equity (ytd only) | 1.0315% | 3,497 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 75.5440% | 1,586 |
| Assets per employee ($millions) | 7.8048% | 1,567 |
| Cash dividends to net income (ytd only)* | 86.5801% | 645 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5810% | 4,257 |
| Loan loss allowance to noncurrent loans | 1,619.1489% | 571 |
| Noncurrent assets plus other real estate owned to assets | 0.0317% | 3,501 |
| Noncurrent loans to loans | 0.0359% | 3,516 |
| Net loans and leases to total assets | 87.8200% | 84 |
| Net loans and leases to deposits | 100.5552% | 454 |
| Net loans and leases to core deposits | 131.9780% | 373 |
| Total domestic deposits to total assets | 87.3300% | 1,658 |
| Equity capital to assets | 8.2857% | 3,174 |
| Core capital (leverage) ratio | 8.1610% | 4,262 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8925% | 2,612 |
| Memoranda: | ||
| Average total assets | $147,265,000 | 3,406 |
| Average earning assets | $140,744,000 | 3,361 |
| Average equity | $12,021,500 | 3,605 |
| Average total loans | $131,108,500 | 2,892 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9394% | 686 |
| Cost of funding earning assets | 2.8924% | 174 |
| Net interest margin | 3.0471% | 3,185 |
| Noninterest income to average assets | 0.6400% | 1,394 |
| Noninterest expense to average assets | 2.6494% | 1,874 |
| Loan and lease loss provision to assets | 0.1100% | 1,180 |
| Net operating income to assets | 0.6498% | 3,311 |
| Return on assets (ROA) | 0.6498% | 3,292 |
| Pretax return on assets | 0.7723% | 3,277 |
| Return on Equity (ROE) | 8.0600% | 3,003 |
| Retained earnings to average equity (ytd only) | 4.7910% | 2,676 |
| Net charge-offs to loans | 0.0019% | 2,745 |
| Credit loss provision to net charge-offs | 6,750.0000% | 77 |
| Earnings coverage of net charge-offs (x) | 543.5000% | 272 |
| Efficiency ratio | 75.0287% | 1,347 |
| Assets per employee ($millions) | 7.6967% | 1,592 |
| Cash dividends to net income (ytd only)* | 40.5743% | 2,064 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6249% | 4,212 |
| Loan loss allowance to noncurrent loans | 1,051.2821% | 873 |
| Noncurrent assets plus other real estate owned to assets | 0.0533% | 3,237 |
| Noncurrent loans to loans | 0.0594% | 3,294 |
| Net loans and leases to total assets | 89.1800% | 49 |
| Net loans and leases to deposits | 106.5329% | 274 |
| Net loans and leases to core deposits | 146.5670% | 229 |
| Total domestic deposits to total assets | 83.7100% | 2,699 |
| Equity capital to assets | 8.0390% | 3,388 |
| Core capital (leverage) ratio | 8.1895% | 4,260 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3004% | 2,762 |
| Memoranda: | ||
| Average total assets | $123,272,600 | 3,615 |
| Average earning assets | $116,998,000 | 3,576 |
| Average equity | $9,935,200 | 3,727 |
| Average total loans | $107,663,800 | 3,091 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6924% | 798 |
| Cost of funding earning assets | 2.6438% | 216 |
| Net interest margin | 3.0486% | 3,237 |
| Noninterest income to average assets | 0.7400% | 1,065 |
| Noninterest expense to average assets | 2.6920% | 1,687 |
| Loan and lease loss provision to assets | 0.1000% | 1,184 |
| Net operating income to assets | 0.8122% | 2,989 |
| Return on assets (ROA) | 0.8122% | 2,979 |
| Pretax return on assets | 0.8383% | 3,248 |
| Return on Equity (ROE) | 10.0700% | 2,617 |
| Retained earnings to average equity (ytd only) | 6.3430% | 2,524 |
| Net charge-offs to loans | 0.0026% | 2,448 |
| Credit loss provision to net charge-offs | 4,500.0000% | 112 |
| Earnings coverage of net charge-offs (x) | 414.5000% | 355 |
| Efficiency ratio | 74.1099% | 1,351 |
| Assets per employee ($millions) | 7.2254% | 1,810 |
| Cash dividends to net income (ytd only)* | 37.0112% | 1,776 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6360% | 4,223 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 88.2000% | 71 |
| Net loans and leases to deposits | 101.2746% | 463 |
| Net loans and leases to core deposits | 124.4611% | 448 |
| Total domestic deposits to total assets | 87.0900% | 1,862 |
| Equity capital to assets | 8.0353% | 3,033 |
| Core capital (leverage) ratio | 8.3506% | 4,217 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2740% | 2,771 |
| Memoranda: | ||
| Average total assets | $117,531,250 | 3,682 |
| Average earning assets | $111,350,500 | 3,644 |
| Average equity | $9,480,000 | 3,774 |
| Average total loans | $101,772,750 | 3,160 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4472% | 903 |
| Cost of funding earning assets | 2.2868% | 284 |
| Net interest margin | 3.1603% | 3,080 |
| Noninterest income to average assets | 0.6100% | 1,422 |
| Noninterest expense to average assets | 2.7545% | 1,515 |
| Loan and lease loss provision to assets | 0.0800% | 1,369 |
| Net operating income to assets | 0.7355% | 3,257 |
| Return on assets (ROA) | 0.7355% | 3,266 |
| Pretax return on assets | 0.7607% | 3,487 |
| Return on Equity (ROE) | 9.1000% | 2,960 |
| Retained earnings to average equity (ytd only) | 6.7611% | 2,365 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 76.5915% | 1,124 |
| Assets per employee ($millions) | 6.3255% | 2,453 |
| Cash dividends to net income (ytd only)* | 25.7353% | 2,234 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7061% | 4,168 |
| Loan loss allowance to noncurrent loans | 36,600.0000% | 45 |
| Noncurrent assets plus other real estate owned to assets | 0.0017% | 3,892 |
| Noncurrent loans to loans | 0.0019% | 3,824 |
| Net loans and leases to total assets | 85.6400% | 174 |
| Net loans and leases to deposits | 104.3873% | 357 |
| Net loans and leases to core deposits | 125.0185% | 411 |
| Total domestic deposits to total assets | 82.0400% | 3,223 |
| Equity capital to assets | 8.2232% | 3,070 |
| Core capital (leverage) ratio | 8.6334% | 4,055 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7765% | 2,686 |
| Memoranda: | ||
| Average total assets | $110,947,667 | 3,759 |
| Average earning assets | $104,862,000 | 3,729 |
| Average equity | $8,963,000 | 3,851 |
| Average total loans | $95,076,333 | 3,232 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2800% | 847 |
| Cost of funding earning assets | 2.4566% | 106 |
| Net interest margin | 2.8234% | 3,921 |
| Noninterest income to average assets | 0.3600% | 2,656 |
| Noninterest expense to average assets | 3.1863% | 818 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | -0.1881% | 4,548 |
| Return on assets (ROA) | -0.1881% | 4,535 |
| Pretax return on assets | -0.1618% | 4,515 |
| Return on Equity (ROE) | -2.3500% | 4,513 |
| Retained earnings to average equity (ytd only) | -7.2915% | 4,409 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 105.3483% | 128 |
| Assets per employee ($millions) | 5.6596% | 3,060 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7534% | 4,171 |
| Loan loss allowance to noncurrent loans | 4,907.1429% | 307 |
| Noncurrent assets plus other real estate owned to assets | 0.0130% | 3,728 |
| Noncurrent loans to loans | 0.0154% | 3,694 |
| Net loans and leases to total assets | 84.1600% | 230 |
| Net loans and leases to deposits | 95.4106% | 688 |
| Net loans and leases to core deposits | 108.0510% | 753 |
| Total domestic deposits to total assets | 88.2100% | 1,852 |
| Equity capital to assets | 8.7657% | 2,685 |
| Core capital (leverage) ratio | 8.7565% | 3,935 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7825% | 2,470 |
| Memoranda: | ||
| Average total assets | $106,329,500 | 3,855 |
| Average earning assets | $100,303,000 | 3,819 |
| Average equity | $8,503,000 | 3,951 |
| Average total loans | $90,784,000 | 3,319 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5911% | 622 |
| Cost of funding earning assets | 1.0880% | 115 |
| Net interest margin | 3.5030% | 1,923 |
| Noninterest income to average assets | 0.4300% | 2,497 |
| Noninterest expense to average assets | 2.5745% | 1,892 |
| Loan and lease loss provision to assets | 0.3300% | 233 |
| Net operating income to assets | 0.7842% | 3,381 |
| Return on assets (ROA) | 0.7842% | 3,317 |
| Pretax return on assets | 0.8304% | 3,548 |
| Return on Equity (ROE) | 9.6100% | 2,939 |
| Retained earnings to average equity (ytd only) | 3.6570% | 3,515 |
| Net charge-offs to loans | 0.0266% | 1,525 |
| Credit loss provision to net charge-offs | 1,430.0000% | 342 |
| Earnings coverage of net charge-offs (x) | 50.2000% | 1,360 |
| Efficiency ratio | 68.9164% | 1,847 |
| Assets per employee ($millions) | 5.5329% | 3,181 |
| Cash dividends to net income (ytd only)* | 61.9469% | 887 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7601% | 4,117 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 85.3200% | 196 |
| Net loans and leases to deposits | 106.2257% | 241 |
| Net loans and leases to core deposits | 129.0883% | 240 |
| Total domestic deposits to total assets | 80.3200% | 3,830 |
| Equity capital to assets | 7.2104% | 3,546 |
| Core capital (leverage) ratio | 7.5954% | 4,559 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.3987% | 3,037 |
| Memoranda: | ||
| Average total assets | $86,463,000 | 4,057 |
| Average earning assets | $81,614,600 | 4,021 |
| Average equity | $7,055,000 | 4,204 |
| Average total loans | $75,219,800 | 3,486 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3631% | 632 |
| Cost of funding earning assets | 0.8478% | 128 |
| Net interest margin | 3.5153% | 1,624 |
| Noninterest income to average assets | 0.4500% | 2,428 |
| Noninterest expense to average assets | 2.4597% | 2,129 |
| Loan and lease loss provision to assets | 0.3900% | 147 |
| Net operating income to assets | 0.8867% | 2,937 |
| Return on assets (ROA) | 0.8867% | 2,903 |
| Pretax return on assets | 0.9226% | 3,251 |
| Return on Equity (ROE) | 10.4800% | 2,580 |
| Retained earnings to average equity (ytd only) | 4.8142% | 3,159 |
| Net charge-offs to loans | 0.0373% | 1,126 |
| Credit loss provision to net charge-offs | 1,205.0000% | 362 |
| Earnings coverage of net charge-offs (x) | 40.3500% | 1,385 |
| Efficiency ratio | 65.1554% | 2,390 |
| Assets per employee ($millions) | 5.2462% | 3,464 |
| Cash dividends to net income (ytd only)* | 54.0441% | 1,042 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7923% | 4,111 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 85.1200% | 175 |
| Net loans and leases to deposits | 107.0972% | 173 |
| Net loans and leases to core deposits | 119.0254% | 280 |
| Total domestic deposits to total assets | 79.4800% | 4,145 |
| Equity capital to assets | 7.8067% | 3,020 |
| Core capital (leverage) ratio | 8.2718% | 4,241 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.0410% | 3,034 |
| Memoranda: | ||
| Average total assets | $81,797,250 | 4,131 |
| Average earning assets | $77,374,500 | 4,098 |
| Average equity | $6,923,750 | 4,267 |
| Average total loans | $71,428,750 | 3,564 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2058% | 624 |
| Cost of funding earning assets | 0.7667% | 115 |
| Net interest margin | 3.4392% | 1,483 |
| Noninterest income to average assets | 0.4795% | 2,310 |
| Noninterest expense to average assets | 2.4592% | 2,057 |
| Loan and lease loss provision to assets | 0.5052% | 104 |
| Net operating income to assets | 0.7527% | 3,133 |
| Return on assets (ROA) | 0.7527% | 3,087 |
| Pretax return on assets | 0.7759% | 3,388 |
| Return on Equity (ROE) | 8.6208% | 2,818 |
| Retained earnings to average equity (ytd only) | 2.7161% | 3,542 |
| Net charge-offs to loans | 0.0498% | 891 |
| Credit loss provision to net charge-offs | 1,152.9412% | 368 |
| Earnings coverage of net charge-offs (x) | 29.2353% | 1,400 |
| Efficiency ratio | 65.7478% | 2,546 |
| Assets per employee ($millions) | 8.5751% | 1,039 |
| Cash dividends to net income (ytd only)* | 68.4932% | 860 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8169% | 4,145 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 84.9541% | 136 |
| Net loans and leases to deposits | 99.4132% | 297 |
| Net loans and leases to core deposits | 112.8794% | 302 |
| Total domestic deposits to total assets | 85.4556% | 3,379 |
| Equity capital to assets | 8.4127% | 2,828 |
| Core capital (leverage) ratio | 8.8452% | 3,619 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7266% | 2,877 |
| Memoranda: | ||
| Average total assets | $77,585,667 | 4,229 |
| Average earning assets | $73,564,333 | 4,196 |
| Average equity | $6,774,333 | 4,340 |
| Average total loans | $68,229,333 | 3,649 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1645% | 562 |
| Cost of funding earning assets | 0.7238% | 136 |
| Net interest margin | 3.4407% | 1,203 |
| Noninterest income to average assets | 0.5877% | 1,748 |
| Noninterest expense to average assets | 2.4924% | 1,900 |
| Loan and lease loss provision to assets | 0.1905% | 390 |
| Net operating income to assets | 1.1428% | 1,400 |
| Return on assets (ROA) | 1.1428% | 1,396 |
| Pretax return on assets | 1.1646% | 1,935 |
| Return on Equity (ROE) | 12.8156% | 1,083 |
| Retained earnings to average equity (ytd only) | 7.0181% | 1,888 |
| Net charge-offs to loans | 0.1158% | 469 |
| Credit loss provision to net charge-offs | 184.2105% | 799 |
| Earnings coverage of net charge-offs (x) | 13.1053% | 1,401 |
| Efficiency ratio | 64.7808% | 2,937 |
| Assets per employee ($millions) | 5.1089% | 3,657 |
| Cash dividends to net income (ytd only)* | 45.2381% | 1,373 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6307% | 4,485 |
| Loan loss allowance to noncurrent loans | 3,972.7273% | 316 |
| Noncurrent assets plus other real estate owned to assets | 0.0144% | 3,918 |
| Noncurrent loans to loans | 0.0159% | 3,896 |
| Net loans and leases to total assets | 89.8503% | 13 |
| Net loans and leases to deposits | 99.3564% | 191 |
| Net loans and leases to core deposits | 110.5217% | 248 |
| Total domestic deposits to total assets | 90.4323% | 1,326 |
| Equity capital to assets | 9.4437% | 2,326 |
| Core capital (leverage) ratio | 9.6373% | 2,665 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3928% | 2,809 |
| Memoranda: | ||
| Average total assets | $73,503,000 | 4,302 |
| Average earning assets | $69,636,500 | 4,273 |
| Average equity | $6,554,500 | 4,408 |
| Average total loans | $65,619,500 | 3,706 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2748% | 884 |
| Cost of funding earning assets | 0.8691% | 140 |
| Net interest margin | 3.4057% | 2,008 |
| Noninterest income to average assets | 1.0265% | 949 |
| Noninterest expense to average assets | 2.7659% | 1,440 |
| Loan and lease loss provision to assets | 0.0529% | 2,002 |
| Net operating income to assets | 1.3608% | 1,408 |
| Return on assets (ROA) | 1.3608% | 1,455 |
| Pretax return on assets | 1.4017% | 2,051 |
| Return on Equity (ROE) | 15.2669% | 892 |
| Retained earnings to average equity (ytd only) | 8.6857% | 1,287 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5354% | 2,331 |
| Assets per employee ($millions) | 7.8192% | 1,433 |
| Cash dividends to net income (ytd only)* | 43.1078% | 1,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6796% | 4,458 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 87.4284% | 40 |
| Net loans and leases to deposits | 98.4101% | 238 |
| Net loans and leases to core deposits | 105.1475% | 388 |
| Total domestic deposits to total assets | 88.8409% | 1,599 |
| Equity capital to assets | 8.3441% | 4,148 |
| Core capital (leverage) ratio | 8.9992% | 3,397 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4188% | 2,998 |
| Memoranda: | ||
| Average total assets | $58,643,800 | 4,470 |
| Average earning assets | $54,996,600 | 4,450 |
| Average equity | $5,227,000 | 4,611 |
| Average total loans | $49,809,800 | 4,001 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3151% | 930 |
| Cost of funding earning assets | 0.9259% | 120 |
| Net interest margin | 3.3892% | 2,183 |
| Noninterest income to average assets | 1.2493% | 742 |
| Noninterest expense to average assets | 2.8838% | 1,161 |
| Loan and lease loss provision to assets | 0.0377% | 2,237 |
| Net operating income to assets | 1.4551% | 1,380 |
| Return on assets (ROA) | 1.4551% | 1,441 |
| Pretax return on assets | 1.4982% | 1,994 |
| Return on Equity (ROE) | 16.0025% | 952 |
| Retained earnings to average equity (ytd only) | 8.7908% | 1,772 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2409% | 2,209 |
| Assets per employee ($millions) | 4.6467% | 4,010 |
| Cash dividends to net income (ytd only)* | 45.0658% | 1,396 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7463% | 4,430 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 89.3837% | 24 |
| Net loans and leases to deposits | 100.4932% | 218 |
| Net loans and leases to core deposits | 108.0334% | 367 |
| Total domestic deposits to total assets | 88.9450% | 1,315 |
| Equity capital to assets | 8.6116% | 4,125 |
| Core capital (leverage) ratio | 8.8735% | 3,683 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9763% | 2,972 |
| Memoranda: | ||
| Average total assets | $55,711,500 | 4,561 |
| Average earning assets | $52,125,500 | 4,547 |
| Average equity | $5,065,750 | 4,696 |
| Average total loans | $46,775,500 | 4,118 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2487% | 1,093 |
| Cost of funding earning assets | 1.0048% | 103 |
| Net interest margin | 3.2439% | 2,625 |
| Noninterest income to average assets | 1.5994% | 487 |
| Noninterest expense to average assets | 2.7666% | 1,425 |
| Loan and lease loss provision to assets | 0.0369% | 2,255 |
| Net operating income to assets | 1.7804% | 745 |
| Return on assets (ROA) | 1.7804% | 784 |
| Pretax return on assets | 1.8247% | 1,177 |
| Return on Equity (ROE) | 19.2019% | 522 |
| Retained earnings to average equity (ytd only) | 12.2701% | 858 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.7765% | 3,042 |
| Assets per employee ($millions) | 4.2307% | 4,307 |
| Cash dividends to net income (ytd only)* | 36.0996% | 1,786 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8223% | 4,331 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 87.7216% | 47 |
| Net loans and leases to deposits | 102.4875% | 210 |
| Net loans and leases to core deposits | 110.4230% | 348 |
| Total domestic deposits to total assets | 85.5925% | 2,877 |
| Equity capital to assets | 9.4111% | 3,416 |
| Core capital (leverage) ratio | 9.4936% | 2,914 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1621% | 2,662 |
| Memoranda: | ||
| Average total assets | $54,146,333 | 4,610 |
| Average earning assets | $50,556,667 | 4,597 |
| Average equity | $5,020,333 | 4,729 |
| Average total loans | $44,234,000 | 4,187 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2837% | 1,065 |
| Cost of funding earning assets | 1.0709% | 96 |
| Net interest margin | 3.2128% | 2,655 |
| Noninterest income to average assets | 1.8987% | 408 |
| Noninterest expense to average assets | 3.0603% | 896 |
| Loan and lease loss provision to assets | 0.0745% | 1,698 |
| Net operating income to assets | 1.7126% | 920 |
| Return on assets (ROA) | 1.7126% | 969 |
| Pretax return on assets | 1.7573% | 1,385 |
| Return on Equity (ROE) | 18.6141% | 659 |
| Retained earnings to average equity (ytd only) | 12.0587% | 1,127 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5571% | 2,664 |
| Assets per employee ($millions) | 6.0548% | 2,550 |
| Cash dividends to net income (ytd only)* | 35.2174% | 1,556 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9967% | 3,849 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 72.9103% | 908 |
| Net loans and leases to deposits | 80.5233% | 1,474 |
| Net loans and leases to core deposits | 87.4189% | 1,421 |
| Total domestic deposits to total assets | 90.5456% | 565 |
| Equity capital to assets | 9.2067% | 3,490 |
| Core capital (leverage) ratio | 9.2165% | 3,360 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1732% | 2,221 |
| Memoranda: | ||
| Average total assets | $53,720,000 | 4,633 |
| Average earning assets | $50,050,000 | 4,618 |
| Average equity | $4,942,500 | 4,755 |
| Average total loans | $42,028,000 | 4,256 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9138% | 582 |
| Cost of funding earning assets | 1.2346% | 241 |
| Net interest margin | 3.6792% | 1,874 |
| Noninterest income to average assets | 0.8662% | 1,358 |
| Noninterest expense to average assets | 2.7218% | 2,172 |
| Loan and lease loss provision to assets | 0.1080% | 2,992 |
| Net operating income to assets | 1.4178% | 983 |
| Return on assets (ROA) | 1.4178% | 1,065 |
| Pretax return on assets | 1.4595% | 1,473 |
| Return on Equity (ROE) | 16.1870% | 482 |
| Retained earnings to average equity (ytd only) | 10.3224% | 528 |
| Net charge-offs to loans | 0.0520% | 2,050 |
| Credit loss provision to net charge-offs | 247.8261% | 1,948 |
| Earnings coverage of net charge-offs (x) | 35.9565% | 1,468 |
| Efficiency ratio | 63.4556% | 2,904 |
| Assets per employee ($millions) | 5.8830% | 2,456 |
| Cash dividends to net income (ytd only)* | 36.2299% | 2,544 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8879% | 4,222 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 82.2237% | 277 |
| Net loans and leases to deposits | 90.7660% | 866 |
| Net loans and leases to core deposits | 98.5468% | 983 |
| Total domestic deposits to total assets | 90.5887% | 339 |
| Equity capital to assets | 9.1941% | 3,894 |
| Core capital (leverage) ratio | 8.6202% | 4,078 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4789% | 2,454 |
| Memoranda: | ||
| Average total assets | $52,759,000 | 4,616 |
| Average earning assets | $49,086,200 | 4,598 |
| Average equity | $4,621,000 | 4,791 |
| Average total loans | $44,223,600 | 4,217 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9368% | 684 |
| Cost of funding earning assets | 1.2743% | 276 |
| Net interest margin | 3.6625% | 2,054 |
| Noninterest income to average assets | 0.7968% | 1,507 |
| Noninterest expense to average assets | 2.6963% | 2,271 |
| Loan and lease loss provision to assets | 0.1062% | 2,989 |
| Net operating income to assets | 1.3760% | 1,163 |
| Return on assets (ROA) | 1.3760% | 1,255 |
| Pretax return on assets | 1.4038% | 1,720 |
| Return on Equity (ROE) | 15.9087% | 556 |
| Retained earnings to average equity (ytd only) | 10.1769% | 723 |
| Net charge-offs to loans | 0.0722% | 1,590 |
| Credit loss provision to net charge-offs | 175.0000% | 2,202 |
| Earnings coverage of net charge-offs (x) | 24.8750% | 1,743 |
| Efficiency ratio | 64.1010% | 2,716 |
| Assets per employee ($millions) | 6.3287% | 1,969 |
| Cash dividends to net income (ytd only)* | 36.0294% | 2,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7840% | 4,397 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 83.3228% | 334 |
| Net loans and leases to deposits | 91.0869% | 1,149 |
| Net loans and leases to core deposits | 98.4198% | 1,277 |
| Total domestic deposits to total assets | 91.4762% | 104 |
| Equity capital to assets | 8.3202% | 4,564 |
| Core capital (leverage) ratio | 8.9491% | 3,814 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3324% | 2,832 |
| Memoranda: | ||
| Average total assets | $52,712,000 | 4,637 |
| Average earning assets | $49,072,250 | 4,623 |
| Average equity | $4,559,250 | 4,820 |
| Average total loans | $44,298,250 | 4,241 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0649% | 732 |
| Cost of funding earning assets | 1.3752% | 247 |
| Net interest margin | 3.6897% | 2,205 |
| Noninterest income to average assets | 0.8461% | 1,303 |
| Noninterest expense to average assets | 2.7136% | 2,345 |
| Loan and lease loss provision to assets | 0.1053% | 2,958 |
| Net operating income to assets | 1.4270% | 1,057 |
| Return on assets (ROA) | 1.4270% | 1,146 |
| Pretax return on assets | 1.4582% | 1,562 |
| Return on Equity (ROE) | 16.2691% | 521 |
| Retained earnings to average equity (ytd only) | 11.7795% | 484 |
| Net charge-offs to loans | 0.1113% | 1,183 |
| Credit loss provision to net charge-offs | 112.5000% | 2,322 |
| Earnings coverage of net charge-offs (x) | 16.7083% | 1,846 |
| Efficiency ratio | 63.4458% | 2,892 |
| Assets per employee ($millions) | 4.6769% | 3,561 |
| Cash dividends to net income (ytd only)* | 27.5956% | 2,452 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8270% | 4,267 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 83.6800% | 276 |
| Net loans and leases to deposits | 95.2181% | 858 |
| Net loans and leases to core deposits | 104.1490% | 992 |
| Total domestic deposits to total assets | 87.8824% | 1,241 |
| Equity capital to assets | 9.0503% | 4,046 |
| Core capital (leverage) ratio | 8.3831% | 4,495 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9932% | 2,617 |
| Memoranda: | ||
| Average total assets | $51,296,667 | 4,672 |
| Average earning assets | $47,700,667 | 4,659 |
| Average equity | $4,499,333 | 4,853 |
| Average total loans | $43,119,667 | 4,287 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9045% | 1,182 |
| Cost of funding earning assets | 1.4445% | 332 |
| Net interest margin | 3.4600% | 3,125 |
| Noninterest income to average assets | 0.6169% | 1,964 |
| Noninterest expense to average assets | 2.8113% | 2,400 |
| Loan and lease loss provision to assets | 0.0937% | 2,509 |
| Net operating income to assets | 0.8981% | 2,529 |
| Return on assets (ROA) | 0.8981% | 2,628 |
| Pretax return on assets | 0.9293% | 3,058 |
| Return on Equity (ROE) | 10.4049% | 1,610 |
| Retained earnings to average equity (ytd only) | 5.4286% | 2,103 |
| Net charge-offs to loans | 0.2141% | 653 |
| Credit loss provision to net charge-offs | 52.1739% | 2,048 |
| Earnings coverage of net charge-offs (x) | 5.6957% | 2,034 |
| Efficiency ratio | 73.3198% | 1,903 |
| Assets per employee ($millions) | 4.8211% | 2,851 |
| Cash dividends to net income (ytd only)* | 47.8261% | 1,695 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7678% | 4,475 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 84.0757% | 259 |
| Net loans and leases to deposits | 97.6372% | 765 |
| Net loans and leases to core deposits | 106.9310% | 1,007 |
| Total domestic deposits to total assets | 86.1103% | 1,961 |
| Equity capital to assets | 8.3930% | 4,870 |
| Core capital (leverage) ratio | 8.8430% | 4,570 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8870% | 3,131 |
| Memoranda: | ||
| Average total assets | $51,222,000 | 4,691 |
| Average earning assets | $47,630,000 | 4,680 |
| Average equity | $4,421,000 | 4,900 |
| Average total loans | $42,975,000 | 4,303 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4190% | 648 |
| Cost of funding earning assets | 1.6119% | 283 |
| Net interest margin | 3.8071% | 2,480 |
| Noninterest income to average assets | 0.5113% | 2,668 |
| Noninterest expense to average assets | 3.0338% | 1,929 |
| Loan and lease loss provision to assets | 0.2013% | 1,013 |
| Net operating income to assets | 0.7569% | 3,684 |
| Return on assets (ROA) | 0.7569% | 3,760 |
| Pretax return on assets | 0.7851% | 4,004 |
| Return on Equity (ROE) | 9.0155% | 2,748 |
| Retained earnings to average equity (ytd only) | 8.4161% | 848 |
| Net charge-offs to loans | 0.6219% | 294 |
| Credit loss provision to net charge-offs | 39.0625% | 3,212 |
| Earnings coverage of net charge-offs (x) | 1.9141% | 3,476 |
| Efficiency ratio | 75.4632% | 1,428 |
| Assets per employee ($millions) | 4.4920% | 3,231 |
| Cash dividends to net income (ytd only)* | 6.6489% | 3,823 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8679% | 4,094 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 82.2918% | 522 |
| Net loans and leases to deposits | 93.0353% | 1,252 |
| Net loans and leases to core deposits | 102.1812% | 1,392 |
| Total domestic deposits to total assets | 88.4522% | 908 |
| Equity capital to assets | 8.8865% | 4,744 |
| Core capital (leverage) ratio | 8.5911% | 4,788 |
| Tier 1 risk-based capital ratio | 10.3703% | 5,059 |
| Total risk-based capital ratio | 11.2111% | 5,088 |
| Memoranda: | ||
| Average total assets | $49,674,400 | 4,757 |
| Average earning assets | $45,783,400 | 4,754 |
| Average equity | $4,170,600 | 4,972 |
| Average total loans | $41,163,200 | 4,383 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3944% | 707 |
| Cost of funding earning assets | 1.5895% | 316 |
| Net interest margin | 3.8049% | 2,579 |
| Noninterest income to average assets | 0.4905% | 2,791 |
| Noninterest expense to average assets | 3.0933% | 1,726 |
| Loan and lease loss provision to assets | 0.2627% | 596 |
| Net operating income to assets | 0.6380% | 4,192 |
| Return on assets (ROA) | 0.6380% | 4,240 |
| Pretax return on assets | 0.6380% | 4,472 |
| Return on Equity (ROE) | 7.7106% | 3,430 |
| Retained earnings to average equity (ytd only) | 6.9005% | 1,912 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.4497% | 1,159 |
| Assets per employee ($millions) | 4.2805% | 3,512 |
| Cash dividends to net income (ytd only)* | 10.5033% | 3,349 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4083% | 1,545 |
| Loan loss allowance to noncurrent loans | 90.1034% | 3,494 |
| Noncurrent assets plus other real estate owned to assets | 1.3180% | 910 |
| Noncurrent loans to loans | 1.5630% | 951 |
| Net loans and leases to total assets | 83.1387% | 433 |
| Net loans and leases to deposits | 96.3278% | 980 |
| Net loans and leases to core deposits | 106.9818% | 1,114 |
| Total domestic deposits to total assets | 86.3081% | 1,862 |
| Equity capital to assets | 8.2798% | 5,073 |
| Core capital (leverage) ratio | 8.3376% | 5,015 |
| Tier 1 risk-based capital ratio | 9.5076% | 5,233 |
| Total risk-based capital ratio | 10.7592% | 5,212 |
| Memoranda: | ||
| Average total assets | $49,740,000 | 4,818 |
| Average earning assets | $45,799,000 | 4,820 |
| Average equity | $4,115,500 | 5,053 |
| Average total loans | $41,199,500 | 4,436 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3152% | 793 |
| Cost of funding earning assets | 1.5615% | 311 |
| Net interest margin | 3.7537% | 2,741 |
| Noninterest income to average assets | 0.5122% | 2,613 |
| Noninterest expense to average assets | 3.1139% | 1,690 |
| Loan and lease loss provision to assets | 0.3862% | 319 |
| Net operating income to assets | 0.4716% | 4,593 |
| Return on assets (ROA) | 0.4716% | 4,622 |
| Pretax return on assets | 0.4716% | 4,735 |
| Return on Equity (ROE) | 5.7007% | 4,147 |
| Retained earnings to average equity (ytd only) | 4.4721% | 3,029 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.4033% | 1,100 |
| Assets per employee ($millions) | 4.1303% | 3,686 |
| Cash dividends to net income (ytd only)* | 21.5517% | 2,969 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4605% | 1,385 |
| Loan loss allowance to noncurrent loans | 93.8176% | 3,428 |
| Noncurrent assets plus other real estate owned to assets | 1.3054% | 972 |
| Noncurrent loans to loans | 1.5567% | 983 |
| Net loans and leases to total assets | 82.6302% | 526 |
| Net loans and leases to deposits | 91.4315% | 1,569 |
| Net loans and leases to core deposits | 101.4089% | 1,604 |
| Total domestic deposits to total assets | 90.3739% | 219 |
| Equity capital to assets | 8.3348% | 5,104 |
| Core capital (leverage) ratio | 8.1815% | 5,117 |
| Tier 1 risk-based capital ratio | 9.7163% | 5,255 |
| Total risk-based capital ratio | 10.9676% | 5,234 |
| Memoranda: | ||
| Average total assets | $49,198,000 | 4,863 |
| Average earning assets | $45,341,670 | 4,864 |
| Average equity | $4,069,670 | 5,094 |
| Average total loans | $40,494,330 | 4,485 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2405% | 836 |
| Cost of funding earning assets | 1.5455% | 280 |
| Net interest margin | 3.6950% | 2,914 |
| Noninterest income to average assets | 0.5223% | 2,424 |
| Noninterest expense to average assets | 3.0358% | 1,888 |
| Loan and lease loss provision to assets | 0.6937% | 146 |
| Net operating income to assets | 0.1877% | 5,018 |
| Return on assets (ROA) | 0.1877% | 5,024 |
| Pretax return on assets | 0.1877% | 5,040 |
| Return on Equity (ROE) | 2.2778% | 4,930 |
| Retained earnings to average equity (ytd only) | -0.1981% | 4,560 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5000% | 1,328 |
| Assets per employee ($millions) | 4.1023% | 3,776 |
| Cash dividends to net income (ytd only)* | 108.6957% | 538 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5040% | 1,330 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 79.4239% | 917 |
| Net loans and leases to deposits | 86.8073% | 2,023 |
| Net loans and leases to core deposits | 96.7988% | 1,872 |
| Total domestic deposits to total assets | 91.4945% | 100 |
| Equity capital to assets | 8.2028% | 5,126 |
| Core capital (leverage) ratio | 8.2020% | 5,137 |
| Tier 1 risk-based capital ratio | 10.2756% | 5,229 |
| Total risk-based capital ratio | 11.5301% | 5,166 |
| Memoranda: | ||
| Average total assets | $49,015,500 | 4,920 |
| Average earning assets | $45,033,500 | 4,920 |
| Average equity | $4,039,000 | 5,145 |
| Average total loans | $39,961,000 | 4,547 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1125% | 821 |
| Cost of funding earning assets | 1.3592% | 166 |
| Net interest margin | 3.7533% | 2,843 |
| Noninterest income to average assets | 1.0343% | 880 |
| Noninterest expense to average assets | 3.6384% | 832 |
| Loan and lease loss provision to assets | 0.1992% | 953 |
| Net operating income to assets | 0.6403% | 4,315 |
| Return on assets (ROA) | 0.6403% | 4,319 |
| Pretax return on assets | 0.6681% | 4,491 |
| Return on Equity (ROE) | 7.3342% | 3,715 |
| Retained earnings to average equity (ytd only) | -6.9908% | 5,278 |
| Net charge-offs to loans | 0.0262% | 2,889 |
| Credit loss provision to net charge-offs | 930.0000% | 393 |
| Earnings coverage of net charge-offs (x) | 40.5000% | 1,289 |
| Efficiency ratio | 80.7510% | 894 |
| Assets per employee ($millions) | 4.0670% | 3,796 |
| Cash dividends to net income (ytd only)* | 195.3177% | 50 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2728% | 2,184 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 81.3765% | 754 |
| Net loans and leases to deposits | 90.8124% | 1,695 |
| Net loans and leases to core deposits | 101.5937% | 1,606 |
| Total domestic deposits to total assets | 89.6095% | 619 |
| Equity capital to assets | 8.2780% | 5,051 |
| Core capital (leverage) ratio | 7.9673% | 5,247 |
| Tier 1 risk-based capital ratio | 9.9817% | 5,310 |
| Total risk-based capital ratio | 11.2319% | 5,263 |
| Memoranda: | ||
| Average total assets | $46,696,600 | 5,001 |
| Average earning assets | $43,188,200 | 4,986 |
| Average equity | $4,076,800 | 5,169 |
| Average total loans | $38,231,400 | 4,605 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9442% | 1,058 |
| Cost of funding earning assets | 1.2454% | 199 |
| Net interest margin | 3.6988% | 3,024 |
| Noninterest income to average assets | 1.0800% | 807 |
| Noninterest expense to average assets | 3.4712% | 1,020 |
| Loan and lease loss provision to assets | 0.2599% | 594 |
| Net operating income to assets | 0.7797% | 3,976 |
| Return on assets (ROA) | 0.7797% | 3,984 |
| Pretax return on assets | 0.7797% | 4,345 |
| Return on Equity (ROE) | 8.8103% | 3,183 |
| Retained earnings to average equity (ytd only) | 4.6662% | 3,411 |
| Net charge-offs to loans | 0.0353% | 2,380 |
| Credit loss provision to net charge-offs | 900.0000% | 438 |
| Earnings coverage of net charge-offs (x) | 36.0083% | 1,436 |
| Efficiency ratio | 76.9526% | 1,236 |
| Assets per employee ($millions) | 3.8712% | 4,077 |
| Cash dividends to net income (ytd only)* | 47.0374% | 1,717 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2169% | 2,531 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 82.1007% | 696 |
| Net loans and leases to deposits | 94.1656% | 1,365 |
| Net loans and leases to core deposits | 104.8015% | 1,396 |
| Total domestic deposits to total assets | 87.1875% | 1,646 |
| Equity capital to assets | 8.8781% | 4,658 |
| Core capital (leverage) ratio | 9.0572% | 4,652 |
| Tier 1 risk-based capital ratio | 10.7169% | 5,164 |
| Total risk-based capital ratio | 11.9378% | 5,086 |
| Memoranda: | ||
| Average total assets | $46,169,750 | 5,065 |
| Average earning assets | $42,823,750 | 5,053 |
| Average equity | $4,086,000 | 5,234 |
| Average total loans | $37,732,500 | 4,665 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8142% | 1,214 |
| Cost of funding earning assets | 1.0773% | 322 |
| Net interest margin | 3.7369% | 2,802 |
| Noninterest income to average assets | 1.2013% | 666 |
| Noninterest expense to average assets | 3.5503% | 929 |
| Loan and lease loss provision to assets | 0.3885% | 320 |
| Net operating income to assets | 0.7324% | 4,097 |
| Return on assets (ROA) | 0.7324% | 4,095 |
| Pretax return on assets | 0.7324% | 4,429 |
| Return on Equity (ROE) | 8.2856% | 3,366 |
| Retained earnings to average equity (ytd only) | 3.2334% | 3,952 |
| Net charge-offs to loans | 0.0605% | 1,741 |
| Credit loss provision to net charge-offs | 790.9091% | 506 |
| Earnings coverage of net charge-offs (x) | 22.8182% | 1,732 |
| Efficiency ratio | 76.0038% | 1,427 |
| Assets per employee ($millions) | 3.0352% | 5,077 |
| Cash dividends to net income (ytd only)* | 60.9756% | 1,276 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2562% | 2,398 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 81.7433% | 736 |
| Net loans and leases to deposits | 90.6262% | 1,761 |
| Net loans and leases to core deposits | 100.2475% | 1,718 |
| Total domestic deposits to total assets | 90.1983% | 505 |
| Equity capital to assets | 9.0377% | 4,529 |
| Core capital (leverage) ratio | 9.4168% | 4,225 |
| Tier 1 risk-based capital ratio | 11.0487% | 5,027 |
| Total risk-based capital ratio | 12.2999% | 4,922 |
| Memoranda: | ||
| Average total assets | $44,784,330 | 5,157 |
| Average earning assets | $41,585,670 | 5,140 |
| Average equity | $3,958,670 | 5,307 |
| Average total loans | $36,367,670 | 4,742 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7262% | 1,245 |
| Cost of funding earning assets | 1.0458% | 299 |
| Net interest margin | 3.6804% | 2,882 |
| Noninterest income to average assets | 1.2962% | 550 |
| Noninterest expense to average assets | 3.6275% | 844 |
| Loan and lease loss provision to assets | 0.1958% | 850 |
| Net operating income to assets | 0.8859% | 3,352 |
| Return on assets (ROA) | 0.8859% | 3,364 |
| Pretax return on assets | 0.8859% | 3,893 |
| Return on Equity (ROE) | 10.1509% | 2,359 |
| Retained earnings to average equity (ytd only) | 3.7398% | 3,703 |
| Net charge-offs to loans | 0.0116% | 2,328 |
| Credit loss provision to net charge-offs | 2,100.0000% | 176 |
| Earnings coverage of net charge-offs (x) | 116.0000% | 538 |
| Efficiency ratio | 77.0297% | 1,458 |
| Assets per employee ($millions) | 2.8294% | 5,269 |
| Cash dividends to net income (ytd only)* | 63.1579% | 1,174 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3093% | 2,205 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 79.7413% | 971 |
| Net loans and leases to deposits | 89.4040% | 1,763 |
| Net loans and leases to core deposits | 102.1583% | 1,512 |
| Total domestic deposits to total assets | 89.1921% | 1,011 |
| Equity capital to assets | 8.8617% | 4,696 |
| Core capital (leverage) ratio | 8.7749% | 4,920 |
| Tier 1 risk-based capital ratio | 10.8249% | 5,237 |
| Total risk-based capital ratio | 12.0740% | 5,129 |
| Memoranda: | ||
| Average total assets | $42,895,000 | 5,241 |
| Average earning assets | $39,778,500 | 5,227 |
| Average equity | $3,743,500 | 5,392 |
| Average total loans | $34,450,500 | 4,845 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6433% | 1,328 |
| Cost of funding earning assets | 0.8917% | 390 |
| Net interest margin | 3.7516% | 2,600 |
| Noninterest income to average assets | 0.7155% | 1,898 |
| Noninterest expense to average assets | 3.4002% | 1,195 |
| Loan and lease loss provision to assets | 0.0506% | 3,209 |
| Net operating income to assets | 0.8167% | 3,086 |
| Return on assets (ROA) | 0.8397% | 3,031 |
| Pretax return on assets | 0.8397% | 4,124 |
| Return on Equity (ROE) | 9.8034% | 1,976 |
| Retained earnings to average equity (ytd only) | -5.1031% | 5,432 |
| Net charge-offs to loans | -0.0146% | 4,873 |
| Credit loss provision to net charge-offs | -440.0000% | 4,928 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.6765% | 1,138 |
| Assets per employee ($millions) | 3.3345% | 4,903 |
| Cash dividends to net income (ytd only)* | 152.0548% | 138 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2396% | 2,538 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 78.8484% | 1,147 |
| Net loans and leases to deposits | 91.4540% | 1,594 |
| Net loans and leases to core deposits | 107.9187% | 1,139 |
| Total domestic deposits to total assets | 86.2165% | 2,346 |
| Equity capital to assets | 8.5954% | 5,046 |
| Core capital (leverage) ratio | 8.6116% | 5,035 |
| Tier 1 risk-based capital ratio | 10.5534% | 5,349 |
| Total risk-based capital ratio | 11.7685% | 5,267 |
| Memoranda: | ||
| Average total assets | $43,468,400 | 5,283 |
| Average earning assets | $41,156,000 | 5,247 |
| Average equity | $3,723,200 | 5,456 |
| Average total loans | $34,305,000 | 4,888 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6657% | 1,213 |
| Cost of funding earning assets | 0.8489% | 456 |
| Net interest margin | 3.8168% | 2,336 |
| Noninterest income to average assets | 0.2667% | 4,601 |
| Noninterest expense to average assets | 2.8752% | 2,493 |
| Loan and lease loss provision to assets | 0.0582% | 2,920 |
| Net operating income to assets | 0.9717% | 2,681 |
| Return on assets (ROA) | 0.9717% | 2,735 |
| Pretax return on assets | 0.9717% | 3,797 |
| Return on Equity (ROE) | 11.3542% | 1,549 |
| Retained earnings to average equity (ytd only) | -3.1519% | 5,495 |
| Net charge-offs to loans | -0.0467% | 5,146 |
| Credit loss provision to net charge-offs | -158.3333% | 4,584 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6264% | 1,950 |
| Assets per employee ($millions) | 4.0475% | 3,904 |
| Cash dividends to net income (ytd only)* | 127.7599% | 148 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1984% | 2,943 |
| Loan loss allowance to noncurrent loans | 3,936.3636% | 201 |
| Noncurrent assets plus other real estate owned to assets | 0.0247% | 5,124 |
| Noncurrent loans to loans | 0.0304% | 4,987 |
| Net loans and leases to total assets | 80.1833% | 962 |
| Net loans and leases to deposits | 94.7628% | 1,226 |
| Net loans and leases to core deposits | 111.6497% | 939 |
| Total domestic deposits to total assets | 84.6147% | 2,879 |
| Equity capital to assets | 8.5956% | 5,225 |
| Core capital (leverage) ratio | 8.7898% | 4,979 |
| Tier 1 risk-based capital ratio | 10.6471% | 5,395 |
| Total risk-based capital ratio | 11.8518% | 5,348 |
| Memoranda: | ||
| Average total assets | $43,498,250 | 5,341 |
| Average earning assets | $41,465,000 | 5,298 |
| Average equity | $3,722,500 | 5,515 |
| Average total loans | $34,229,000 | 4,944 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6616% | 1,137 |
| Cost of funding earning assets | 0.8069% | 512 |
| Net interest margin | 3.8547% | 2,081 |
| Noninterest income to average assets | 0.1715% | 5,194 |
| Noninterest expense to average assets | 2.7991% | 2,765 |
| Loan and lease loss provision to assets | 0.0278% | 3,445 |
| Net operating income to assets | 1.0195% | 2,334 |
| Return on assets (ROA) | 1.0195% | 2,379 |
| Pretax return on assets | 1.0195% | 3,483 |
| Return on Equity (ROE) | 11.9317% | 1,324 |
| Retained earnings to average equity (ytd only) | -6.7793% | 5,583 |
| Net charge-offs to loans | -0.0655% | 5,279 |
| Credit loss provision to net charge-offs | -54.5455% | 4,295 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7711% | 2,219 |
| Assets per employee ($millions) | 4.8016% | 2,650 |
| Cash dividends to net income (ytd only)* | 156.8182% | 134 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1996% | 3,021 |
| Loan loss allowance to noncurrent loans | 2,464.7059% | 274 |
| Noncurrent assets plus other real estate owned to assets | 0.0393% | 5,093 |
| Noncurrent loans to loans | 0.0487% | 4,948 |
| Net loans and leases to total assets | 79.8561% | 977 |
| Net loans and leases to deposits | 94.3591% | 1,230 |
| Net loans and leases to core deposits | 108.0026% | 1,108 |
| Total domestic deposits to total assets | 84.6300% | 2,967 |
| Equity capital to assets | 8.4232% | 5,344 |
| Core capital (leverage) ratio | 8.2662% | 5,380 |
| Tier 1 risk-based capital ratio | 10.5138% | 5,453 |
| Total risk-based capital ratio | 11.7241% | 5,397 |
| Memoranda: | ||
| Average total assets | $43,156,670 | 5,388 |
| Average earning assets | $41,145,000 | 5,343 |
| Average equity | $3,687,670 | 5,563 |
| Average total loans | $33,594,330 | 4,990 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5898% | 1,164 |
| Cost of funding earning assets | 0.7796% | 550 |
| Net interest margin | 3.8102% | 2,082 |
| Noninterest income to average assets | 0.1948% | 5,101 |
| Noninterest expense to average assets | 2.7082% | 3,116 |
| Loan and lease loss provision to assets | 0.0278% | 3,210 |
| Net operating income to assets | 1.0851% | 1,931 |
| Return on assets (ROA) | 1.0851% | 1,974 |
| Pretax return on assets | 1.0851% | 3,044 |
| Return on Equity (ROE) | 12.6095% | 1,084 |
| Retained earnings to average equity (ytd only) | -11.6395% | 5,614 |
| Net charge-offs to loans | -0.1215% | 5,507 |
| Credit loss provision to net charge-offs | -30.0000% | 3,827 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8738% | 2,765 |
| Assets per employee ($millions) | 5.5200% | 1,868 |
| Cash dividends to net income (ytd only)* | 192.3077% | 250 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2554% | 2,784 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 73.9153% | 1,758 |
| Net loans and leases to deposits | 82.2544% | 2,472 |
| Net loans and leases to core deposits | 93.0871% | 2,060 |
| Total domestic deposits to total assets | 89.8619% | 719 |
| Equity capital to assets | 8.2835% | 5,361 |
| Core capital (leverage) ratio | 8.5195% | 5,214 |
| Tier 1 risk-based capital ratio | 10.8004% | 5,406 |
| Total risk-based capital ratio | 12.0257% | 5,344 |
| Memoranda: | ||
| Average total assets | $43,128,000 | 5,444 |
| Average earning assets | $41,047,500 | 5,405 |
| Average equity | $3,711,500 | 5,621 |
| Average total loans | $32,927,500 | 5,062 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7652% | 938 |
| Cost of funding earning assets | 0.7742% | 564 |
| Net interest margin | 3.9910% | 1,655 |
| Noninterest income to average assets | 0.2912% | 4,659 |
| Noninterest expense to average assets | 2.6304% | 3,589 |
| Loan and lease loss provision to assets | 0.0437% | 3,506 |
| Net operating income to assets | 1.2375% | 1,386 |
| Return on assets (ROA) | 1.2375% | 1,473 |
| Pretax return on assets | 1.4074% | 1,917 |
| Return on Equity (ROE) | 14.2641% | 733 |
| Retained earnings to average equity (ytd only) | 6.8524% | 1,288 |
| Net charge-offs to loans | 0.0149% | 3,795 |
| Credit loss provision to net charge-offs | 360.0000% | 854 |
| Earnings coverage of net charge-offs (x) | 119.6000% | 505 |
| Efficiency ratio | 64.4471% | 3,860 |
| Assets per employee ($millions) | 5.2620% | 2,103 |
| Cash dividends to net income (ytd only)* | 51.9608% | 2,187 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2256% | 2,967 |
| Loan loss allowance to noncurrent loans | 390.2913% | 1,308 |
| Noncurrent assets plus other real estate owned to assets | 0.3231% | 3,985 |
| Noncurrent loans to loans | 0.3140% | 4,020 |
| Net loans and leases to total assets | 76.9598% | 1,370 |
| Net loans and leases to deposits | 89.3021% | 1,762 |
| Net loans and leases to core deposits | 106.5165% | 1,098 |
| Total domestic deposits to total assets | 86.1792% | 2,501 |
| Equity capital to assets | 8.9438% | 4,869 |
| Core capital (leverage) ratio | 8.9808% | 4,764 |
| Tier 1 risk-based capital ratio | 11.0563% | 5,311 |
| Total risk-based capital ratio | 12.2368% | 5,243 |
| Memoranda: | ||
| Average total assets | $41,210,600 | 5,520 |
| Average earning assets | $39,138,000 | 5,485 |
| Average equity | $3,575,400 | 5,693 |
| Average total loans | $33,503,400 | 5,084 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8001% | 894 |
| Cost of funding earning assets | 0.7619% | 603 |
| Net interest margin | 4.0383% | 1,557 |
| Noninterest income to average assets | 0.2732% | 4,818 |
| Noninterest expense to average assets | 2.6380% | 3,544 |
| Loan and lease loss provision to assets | 0.0488% | 3,271 |
| Net operating income to assets | 1.2133% | 1,594 |
| Return on assets (ROA) | 1.2133% | 1,693 |
| Pretax return on assets | 1.4312% | 1,939 |
| Return on Equity (ROE) | 14.0964% | 804 |
| Retained earnings to average equity (ytd only) | 5.4042% | 2,549 |
| Net charge-offs to loans | -0.0079% | 4,714 |
| Credit loss provision to net charge-offs | -750.0000% | 5,156 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0600% | 3,923 |
| Assets per employee ($millions) | 5.9636% | 1,455 |
| Cash dividends to net income (ytd only)* | 61.6625% | 1,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1698% | 3,430 |
| Loan loss allowance to noncurrent loans | 268.8742% | 1,784 |
| Noncurrent assets plus other real estate owned to assets | 0.4408% | 3,659 |
| Noncurrent loans to loans | 0.4351% | 3,728 |
| Net loans and leases to total assets | 82.1703% | 590 |
| Net loans and leases to deposits | 93.3515% | 1,337 |
| Net loans and leases to core deposits | 112.6059% | 776 |
| Total domestic deposits to total assets | 88.0225% | 1,395 |
| Equity capital to assets | 8.7747% | 5,337 |
| Core capital (leverage) ratio | 8.6717% | 5,183 |
| Tier 1 risk-based capital ratio | 10.7815% | 5,482 |
| Total risk-based capital ratio | 11.9765% | 5,420 |
| Memoranda: | ||
| Average total assets | $40,989,250 | 5,577 |
| Average earning assets | $39,025,750 | 5,542 |
| Average equity | $3,528,000 | 5,755 |
| Average total loans | $33,679,500 | 5,127 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7880% | 908 |
| Cost of funding earning assets | 0.7576% | 603 |
| Net interest margin | 4.0303% | 1,554 |
| Noninterest income to average assets | 0.2602% | 4,921 |
| Noninterest expense to average assets | 2.7640% | 3,156 |
| Loan and lease loss provision to assets | 0.0589% | 2,964 |
| Net operating income to assets | 0.9721% | 2,513 |
| Return on assets (ROA) | 0.9721% | 2,655 |
| Pretax return on assets | 1.2765% | 2,498 |
| Return on Equity (ROE) | 11.3695% | 1,522 |
| Retained earnings to average equity (ytd only) | 0.1723% | 5,251 |
| Net charge-offs to loans | -0.0120% | 4,757 |
| Credit loss provision to net charge-offs | -600.0000% | 4,973 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4251% | 3,464 |
| Assets per employee ($millions) | 5.8540% | 1,507 |
| Cash dividends to net income (ytd only)* | 98.4848% | 526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1738% | 3,504 |
| Loan loss allowance to noncurrent loans | 1,060.5263% | 558 |
| Noncurrent assets plus other real estate owned to assets | 0.0927% | 5,147 |
| Noncurrent loans to loans | 0.1107% | 5,001 |
| Net loans and leases to total assets | 82.7981% | 536 |
| Net loans and leases to deposits | 94.9408% | 1,196 |
| Net loans and leases to core deposits | 110.8718% | 883 |
| Total domestic deposits to total assets | 87.2102% | 1,800 |
| Equity capital to assets | 8.5973% | 5,539 |
| Core capital (leverage) ratio | 8.3003% | 5,535 |
| Tier 1 risk-based capital ratio | 10.1472% | 5,805 |
| Total risk-based capital ratio | 11.3079% | 5,774 |
| Memoranda: | ||
| Average total assets | $40,737,330 | 5,645 |
| Average earning assets | $38,805,670 | 5,609 |
| Average equity | $3,483,000 | 5,832 |
| Average total loans | $33,336,670 | 5,194 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6169% | 1,218 |
| Cost of funding earning assets | 0.7557% | 616 |
| Net interest margin | 3.8612% | 2,065 |
| Noninterest income to average assets | 0.2561% | 4,904 |
| Noninterest expense to average assets | 2.8264% | 2,972 |
| Loan and lease loss provision to assets | 0.0886% | 2,206 |
| Net operating income to assets | 0.4530% | 4,821 |
| Return on assets (ROA) | 0.4530% | 4,905 |
| Pretax return on assets | 1.0144% | 3,425 |
| Return on Equity (ROE) | 5.3133% | 4,333 |
| Retained earnings to average equity (ytd only) | -13.1678% | 5,878 |
| Net charge-offs to loans | -0.0122% | 4,615 |
| Credit loss provision to net charge-offs | -900.0000% | 4,722 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9298% | 2,808 |
| Assets per employee ($millions) | 4.4702% | 3,125 |
| Cash dividends to net income (ytd only)* | 347.8261% | 87 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2308% | 3,304 |
| Loan loss allowance to noncurrent loans | 1,900.0000% | 337 |
| Noncurrent assets plus other real estate owned to assets | 0.0522% | 5,412 |
| Noncurrent loans to loans | 0.0648% | 5,218 |
| Net loans and leases to total assets | 79.5859% | 873 |
| Net loans and leases to deposits | 87.0389% | 1,942 |
| Net loans and leases to core deposits | 100.9968% | 1,406 |
| Total domestic deposits to total assets | 91.4372% | 174 |
| Equity capital to assets | 8.4659% | 5,588 |
| Core capital (leverage) ratio | 8.3725% | 5,492 |
| Tier 1 risk-based capital ratio | 9.8627% | 5,938 |
| Total risk-based capital ratio | 11.0181% | 5,932 |
| Memoranda: | ||
| Average total assets | $40,617,000 | 5,708 |
| Average earning assets | $38,641,000 | 5,665 |
| Average equity | $3,463,000 | 5,887 |
| Average total loans | $32,839,000 | 5,239 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7491% | 1,009 |
| Cost of funding earning assets | 0.7370% | 681 |
| Net interest margin | 4.0121% | 1,677 |
| Noninterest income to average assets | 0.2047% | 5,371 |
| Noninterest expense to average assets | 2.8277% | 3,117 |
| Loan and lease loss provision to assets | 0.0657% | 2,973 |
| Net operating income to assets | 1.0537% | 2,111 |
| Return on assets (ROA) | 1.0537% | 2,198 |
| Pretax return on assets | 1.0942% | 3,089 |
| Return on Equity (ROE) | 12.6648% | 1,138 |
| Retained earnings to average equity (ytd only) | 11.9055% | 260 |
| Net charge-offs to loans | -0.0091% | 5,089 |
| Credit loss provision to net charge-offs | -866.6667% | 5,540 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9125% | 3,085 |
| Assets per employee ($millions) | 4.5558% | 2,953 |
| Cash dividends to net income (ytd only)* | 5.9952% | 4,163 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1696% | 3,647 |
| Loan loss allowance to noncurrent loans | 1,852.3810% | 354 |
| Noncurrent assets plus other real estate owned to assets | 0.0512% | 5,473 |
| Noncurrent loans to loans | 0.0631% | 5,262 |
| Net loans and leases to total assets | 80.1693% | 827 |
| Net loans and leases to deposits | 96.3196% | 980 |
| Net loans and leases to core deposits | 113.1727% | 720 |
| Total domestic deposits to total assets | 83.2325% | 3,756 |
| Equity capital to assets | 8.5849% | 5,493 |
| Core capital (leverage) ratio | 8.7963% | 5,113 |
| Tier 1 risk-based capital ratio | 9.9292% | 5,964 |
| Total risk-based capital ratio | 11.0265% | 5,971 |
| Memoranda: | ||
| Average total assets | $39,573,000 | 5,773 |
| Average earning assets | $37,312,400 | 5,742 |
| Average equity | $3,292,600 | 5,955 |
| Average total loans | $32,877,000 | 5,260 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8023% | 925 |
| Cost of funding earning assets | 0.7319% | 709 |
| Net interest margin | 4.0704% | 1,489 |
| Noninterest income to average assets | 0.1904% | 5,520 |
| Noninterest expense to average assets | 2.6995% | 3,563 |
| Loan and lease loss provision to assets | 0.0612% | 2,956 |
| Net operating income to assets | 1.0982% | 2,016 |
| Return on assets (ROA) | 1.0982% | 2,098 |
| Pretax return on assets | 1.2682% | 2,520 |
| Return on Equity (ROE) | 13.3094% | 1,058 |
| Retained earnings to average equity (ytd only) | 13.3094% | 258 |
| Net charge-offs to loans | -0.0081% | 4,926 |
| Credit loss provision to net charge-offs | -900.0000% | 5,473 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0042% | 3,714 |
| Assets per employee ($millions) | 4.4597% | 3,082 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1347% | 4,030 |
| Loan loss allowance to noncurrent loans | 2,375.0000% | 283 |
| Noncurrent assets plus other real estate owned to assets | 0.0399% | 5,624 |
| Noncurrent loans to loans | 0.0478% | 5,425 |
| Net loans and leases to total assets | 82.4875% | 529 |
| Net loans and leases to deposits | 96.4798% | 958 |
| Net loans and leases to core deposits | 113.2478% | 697 |
| Total domestic deposits to total assets | 85.4972% | 2,782 |
| Equity capital to assets | 8.5981% | 5,649 |
| Core capital (leverage) ratio | 8.3582% | 5,667 |
| Tier 1 risk-based capital ratio | 9.9994% | 6,041 |
| Total risk-based capital ratio | 11.1005% | 6,048 |
| Memoranda: | ||
| Average total assets | $39,215,750 | 5,859 |
| Average earning assets | $36,981,250 | 5,824 |
| Average equity | $3,235,750 | 6,044 |
| Average total loans | $32,781,250 | 5,331 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7718% | 942 |
| Cost of funding earning assets | 0.7152% | 783 |
| Net interest margin | 4.0566% | 1,480 |
| Noninterest income to average assets | 0.1902% | 5,541 |
| Noninterest expense to average assets | 2.7038% | 3,582 |
| Loan and lease loss provision to assets | 0.0617% | 2,875 |
| Net operating income to assets | 1.0023% | 2,379 |
| Return on assets (ROA) | 1.0023% | 2,485 |
| Pretax return on assets | 1.2439% | 2,575 |
| Return on Equity (ROE) | 12.3262% | 1,276 |
| Retained earnings to average equity (ytd only) | 12.3262% | 367 |
| Net charge-offs to loans | 0.0061% | 3,686 |
| Credit loss provision to net charge-offs | 1,200.0000% | 295 |
| Earnings coverage of net charge-offs (x) | 254.0000% | 272 |
| Efficiency ratio | 67.4359% | 3,758 |
| Assets per employee ($millions) | 4.5340% | 2,931 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0899% | 4,376 |
| Loan loss allowance to noncurrent loans | 88.3333% | 3,997 |
| Noncurrent assets plus other real estate owned to assets | 1.0293% | 2,448 |
| Noncurrent loans to loans | 1.2338% | 2,191 |
| Net loans and leases to total assets | 82.5124% | 509 |
| Net loans and leases to deposits | 96.4646% | 913 |
| Net loans and leases to core deposits | 111.0671% | 782 |
| Total domestic deposits to total assets | 85.5364% | 2,903 |
| Equity capital to assets | 8.1434% | 5,916 |
| Core capital (leverage) ratio | 8.3025% | 5,712 |
| Tier 1 risk-based capital ratio | 9.6847% | 6,165 |
| Total risk-based capital ratio | 10.7659% | 6,180 |
| Memoranda: | ||
| Average total assets | $38,908,670 | 5,925 |
| Average earning assets | $36,632,000 | 5,892 |
| Average equity | $3,164,000 | 6,115 |
| Average total loans | $32,545,670 | 5,388 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6737% | 1,082 |
| Cost of funding earning assets | 0.6932% | 877 |
| Net interest margin | 3.9805% | 1,621 |
| Noninterest income to average assets | 0.1897% | 5,568 |
| Noninterest expense to average assets | 2.4341% | 4,497 |
| Loan and lease loss provision to assets | 0.0632% | 2,662 |
| Net operating income to assets | 1.1907% | 1,579 |
| Return on assets (ROA) | 1.1907% | 1,674 |
| Pretax return on assets | 1.4436% | 1,739 |
| Return on Equity (ROE) | 14.6539% | 762 |
| Retained earnings to average equity (ytd only) | 14.6539% | 314 |
| Net charge-offs to loans | -0.0126% | 4,825 |
| Credit loss provision to net charge-offs | -600.0000% | 4,855 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7647% | 4,833 |
| Assets per employee ($millions) | 4.7784% | 2,651 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1276% | 4,385 |
| Loan loss allowance to noncurrent loans | 2,158.8235% | 284 |
| Noncurrent assets plus other real estate owned to assets | 0.0445% | 5,762 |
| Noncurrent loans to loans | 0.0522% | 5,571 |
| Net loans and leases to total assets | 84.1840% | 300 |
| Net loans and leases to deposits | 99.9069% | 568 |
| Net loans and leases to core deposits | 113.8707% | 583 |
| Total domestic deposits to total assets | 84.2624% | 3,710 |
| Equity capital to assets | 8.2167% | 5,927 |
| Core capital (leverage) ratio | 8.3091% | 5,718 |
| Tier 1 risk-based capital ratio | 9.6279% | 6,251 |
| Total risk-based capital ratio | 10.7528% | 6,250 |
| Memoranda: | ||
| Average total assets | $37,960,000 | 6,003 |
| Average earning assets | $35,774,500 | 5,968 |
| Average equity | $3,084,500 | 6,197 |
| Average total loans | $31,798,000 | 5,444 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8378% | 1,035 |
| Cost of funding earning assets | 0.8747% | 449 |
| Net interest margin | 3.9632% | 2,001 |
| Noninterest income to average assets | 0.1912% | 5,710 |
| Noninterest expense to average assets | 2.6095% | 4,179 |
| Loan and lease loss provision to assets | 0.0539% | 3,480 |
| Net operating income to assets | 0.9560% | 2,595 |
| Return on assets (ROA) | 0.9560% | 2,679 |
| Pretax return on assets | 1.2495% | 2,442 |
| Return on Equity (ROE) | 12.0486% | 1,393 |
| Retained earnings to average equity (ytd only) | 1.8667% | 4,869 |
| Net charge-offs to loans | 0.0400% | 4,020 |
| Credit loss provision to net charge-offs | 166.6667% | 1,463 |
| Earnings coverage of net charge-offs (x) | 40.3333% | 1,079 |
| Efficiency ratio | 66.6896% | 4,114 |
| Assets per employee ($millions) | 4.7116% | 2,712 |
| Cash dividends to net income (ytd only)* | 84.5070% | 746 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1595% | 4,229 |
| Loan loss allowance to noncurrent loans | 2,000.0000% | 326 |
| Noncurrent assets plus other real estate owned to assets | 0.0478% | 5,841 |
| Noncurrent loans to loans | 0.0580% | 5,650 |
| Net loans and leases to total assets | 81.4156% | 583 |
| Net loans and leases to deposits | 106.1575% | 350 |
| Net loans and leases to core deposits | 122.8798% | 339 |
| Total domestic deposits to total assets | 76.6933% | 5,645 |
| Equity capital to assets | 8.0333% | 6,054 |
| Core capital (leverage) ratio | 8.0189% | 5,991 |
| Tier 1 risk-based capital ratio | 9.4637% | 6,359 |
| Total risk-based capital ratio | 10.5888% | 6,352 |
| Memoranda: | ||
| Average total assets | $37,134,200 | 6,099 |
| Average earning assets | $34,871,000 | 6,065 |
| Average equity | $2,946,400 | 6,281 |
| Average total loans | $29,976,800 | 5,564 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8324% | 1,053 |
| Cost of funding earning assets | 0.8922% | 429 |
| Net interest margin | 3.9403% | 2,075 |
| Noninterest income to average assets | 0.1802% | 5,838 |
| Noninterest expense to average assets | 2.5372% | 4,404 |
| Loan and lease loss provision to assets | 0.0505% | 3,363 |
| Net operating income to assets | 1.0668% | 2,166 |
| Return on assets (ROA) | 1.0668% | 2,236 |
| Pretax return on assets | 1.3011% | 2,372 |
| Return on Equity (ROE) | 13.4880% | 1,099 |
| Retained earnings to average equity (ytd only) | 5.5137% | 2,737 |
| Net charge-offs to loans | 0.0583% | 3,382 |
| Credit loss provision to net charge-offs | 107.6923% | 2,066 |
| Earnings coverage of net charge-offs (x) | 28.8511% | 1,409 |
| Efficiency ratio | 65.2456% | 4,329 |
| Assets per employee ($millions) | 4.7509% | 2,593 |
| Cash dividends to net income (ytd only)* | 59.1218% | 1,417 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0890% | 4,801 |
| Loan loss allowance to noncurrent loans | 1,857.8947% | 325 |
| Noncurrent assets plus other real estate owned to assets | 0.0500% | 5,954 |
| Noncurrent loans to loans | 0.0586% | 5,780 |
| Net loans and leases to total assets | 84.3555% | 315 |
| Net loans and leases to deposits | 104.4264% | 382 |
| Net loans and leases to core deposits | 122.7873% | 334 |
| Total domestic deposits to total assets | 80.7799% | 4,887 |
| Equity capital to assets | 8.0091% | 6,131 |
| Core capital (leverage) ratio | 7.8781% | 6,144 |
| Tier 1 risk-based capital ratio | 9.1903% | 6,464 |
| Total risk-based capital ratio | 10.2560% | 6,472 |
| Memoranda: | ||
| Average total assets | $36,994,500 | 6,179 |
| Average earning assets | $34,819,250 | 6,141 |
| Average equity | $2,926,000 | 6,356 |
| Average total loans | $29,709,000 | 5,630 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8014% | 1,062 |
| Cost of funding earning assets | 0.9079% | 414 |
| Net interest margin | 3.8935% | 2,194 |
| Noninterest income to average assets | 0.1855% | 5,844 |
| Noninterest expense to average assets | 2.5916% | 4,269 |
| Loan and lease loss provision to assets | 0.0436% | 3,444 |
| Net operating income to assets | 0.9766% | 2,428 |
| Return on assets (ROA) | 0.9766% | 2,508 |
| Pretax return on assets | 1.2003% | 2,668 |
| Return on Equity (ROE) | 12.4018% | 1,333 |
| Retained earnings to average equity (ytd only) | 0.2771% | 5,610 |
| Net charge-offs to loans | -0.0139% | 5,419 |
| Credit loss provision to net charge-offs | -400.0000% | 5,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5676% | 4,093 |
| Assets per employee ($millions) | 4.8880% | 2,355 |
| Cash dividends to net income (ytd only)* | 97.7654% | 560 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1517% | 4,657 |
| Loan loss allowance to noncurrent loans | 1,723.8095% | 325 |
| Noncurrent assets plus other real estate owned to assets | 0.0537% | 6,027 |
| Noncurrent loans to loans | 0.0668% | 5,824 |
| Net loans and leases to total assets | 79.4573% | 748 |
| Net loans and leases to deposits | 95.2718% | 862 |
| Net loans and leases to core deposits | 110.9797% | 651 |
| Total domestic deposits to total assets | 83.4007% | 4,153 |
| Equity capital to assets | 7.4852% | 6,351 |
| Core capital (leverage) ratio | 8.0417% | 6,067 |
| Tier 1 risk-based capital ratio | 8.9522% | 6,540 |
| Total risk-based capital ratio | 10.0593% | 6,545 |
| Memoranda: | ||
| Average total assets | $36,657,000 | 6,247 |
| Average earning assets | $34,365,330 | 6,214 |
| Average equity | $2,886,670 | 6,416 |
| Average total loans | $28,807,330 | 5,707 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0917% | 602 |
| Cost of funding earning assets | 0.9170% | 410 |
| Net interest margin | 4.1747% | 1,281 |
| Noninterest income to average assets | 0.1806% | 5,885 |
| Noninterest expense to average assets | 2.5287% | 4,526 |
| Loan and lease loss provision to assets | 0.0452% | 3,199 |
| Net operating income to assets | 1.2643% | 1,309 |
| Return on assets (ROA) | 1.2643% | 1,361 |
| Pretax return on assets | 1.5127% | 1,398 |
| Return on Equity (ROE) | 15.6288% | 687 |
| Retained earnings to average equity (ytd only) | 12.1402% | 588 |
| Net charge-offs to loans | -0.0145% | 5,195 |
| Credit loss provision to net charge-offs | -400.0000% | 5,131 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8785% | 5,141 |
| Assets per employee ($millions) | 4.3208% | 3,303 |
| Cash dividends to net income (ytd only)* | 22.3214% | 2,479 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4018% | 3,593 |
| Loan loss allowance to noncurrent loans | 66.4804% | 4,620 |
| Noncurrent assets plus other real estate owned to assets | 1.5535% | 2,272 |
| Noncurrent loans to loans | 2.1085% | 1,741 |
| Net loans and leases to total assets | 72.6465% | 1,471 |
| Net loans and leases to deposits | 79.5206% | 2,367 |
| Net loans and leases to core deposits | 91.4557% | 1,782 |
| Total domestic deposits to total assets | 91.3557% | 434 |
| Equity capital to assets | 8.4187% | 5,728 |
| Core capital (leverage) ratio | 8.2083% | 5,936 |
| Tier 1 risk-based capital ratio | 10.3232% | 6,389 |
| Total risk-based capital ratio | 11.5719% | 6,345 |
| Memoranda: | ||
| Average total assets | $35,433,500 | 6,345 |
| Average earning assets | $33,152,000 | 6,309 |
| Average equity | $2,866,500 | 6,478 |
| Average total loans | $27,494,500 | 5,828 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5625% | 1,990 |
| Cost of funding earning assets | 1.0174% | 410 |
| Net interest margin | 3.5451% | 3,711 |
| Noninterest income to average assets | 0.1872% | 5,967 |
| Noninterest expense to average assets | 2.8496% | 3,530 |
| Loan and lease loss provision to assets | 0.2229% | 1,636 |
| Net operating income to assets | 0.1842% | 5,865 |
| Return on assets (ROA) | 0.1842% | 5,933 |
| Pretax return on assets | 0.4279% | 5,418 |
| Return on Equity (ROE) | 2.2676% | 5,746 |
| Retained earnings to average equity (ytd only) | -1.0241% | 6,067 |
| Net charge-offs to loans | 0.0683% | 4,257 |
| Credit loss provision to net charge-offs | 416.6667% | 551 |
| Earnings coverage of net charge-offs (x) | 12.1667% | 2,158 |
| Efficiency ratio | 81.4092% | 1,958 |
| Assets per employee ($millions) | 4.5376% | 2,842 |
| Cash dividends to net income (ytd only)* | 145.1613% | 164 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1924% | 4,700 |
| Loan loss allowance to noncurrent loans | 62.1908% | 4,788 |
| Noncurrent assets plus other real estate owned to assets | 1.5592% | 2,384 |
| Noncurrent loans to loans | 1.9173% | 2,097 |
| Net loans and leases to total assets | 80.3532% | 562 |
| Net loans and leases to deposits | 100.2440% | 470 |
| Net loans and leases to core deposits | 116.6947% | 403 |
| Total domestic deposits to total assets | 80.1576% | 5,406 |
| Equity capital to assets | 7.7766% | 6,145 |
| Core capital (leverage) ratio | 7.7472% | 6,278 |
| Tier 1 risk-based capital ratio | 9.1356% | 6,648 |
| Total risk-based capital ratio | 10.2747% | 6,647 |
| Memoranda: | ||
| Average total assets | $33,654,200 | 6,441 |
| Average earning assets | $31,452,000 | 6,409 |
| Average equity | $2,734,200 | 6,583 |
| Average total loans | $26,369,000 | 5,919 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5076% | 2,203 |
| Cost of funding earning assets | 1.0306% | 425 |
| Net interest margin | 3.4771% | 3,985 |
| Noninterest income to average assets | 0.1900% | 6,055 |
| Noninterest expense to average assets | 2.9380% | 3,175 |
| Loan and lease loss provision to assets | 0.2950% | 1,156 |
| Net operating income to assets | 0.0768% | 6,177 |
| Return on assets (ROA) | 0.0768% | 6,232 |
| Pretax return on assets | 0.2020% | 6,039 |
| Return on Equity (ROE) | 0.9340% | 6,194 |
| Retained earnings to average equity (ytd only) | 0.4425% | 5,794 |
| Net charge-offs to loans | 0.0990% | 3,564 |
| Credit loss provision to net charge-offs | 384.2105% | 691 |
| Earnings coverage of net charge-offs (x) | 6.4745% | 2,966 |
| Efficiency ratio | 85.5294% | 1,410 |
| Assets per employee ($millions) | 4.5204% | 2,852 |
| Cash dividends to net income (ytd only)* | 52.6253% | 1,746 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1770% | 4,979 |
| Loan loss allowance to noncurrent loans | 61.6608% | 4,757 |
| Noncurrent assets plus other real estate owned to assets | 1.5651% | 2,587 |
| Noncurrent loans to loans | 1.9088% | 2,353 |
| Net loans and leases to total assets | 81.0303% | 448 |
| Net loans and leases to deposits | 100.9056% | 435 |
| Net loans and leases to core deposits | 113.4061% | 468 |
| Total domestic deposits to total assets | 80.3031% | 5,427 |
| Equity capital to assets | 7.4938% | 6,399 |
| Core capital (leverage) ratio | 7.7473% | 6,358 |
| Tier 1 risk-based capital ratio | 8.7725% | 6,735 |
| Total risk-based capital ratio | 9.9022% | 6,745 |
| Memoranda: | ||
| Average total assets | $32,992,500 | 6,532 |
| Average earning assets | $30,791,500 | 6,496 |
| Average equity | $2,712,000 | 6,662 |
| Average total loans | $25,581,000 | 6,005 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4540% | 2,365 |
| Cost of funding earning assets | 1.0798% | 364 |
| Net interest margin | 3.3743% | 4,289 |
| Noninterest income to average assets | 0.1691% | 6,205 |
| Noninterest expense to average assets | 2.9559% | 3,142 |
| Loan and lease loss provision to assets | 0.0939% | 3,222 |
| Net operating income to assets | 0.0752% | 6,185 |
| Return on assets (ROA) | 0.0752% | 6,270 |
| Pretax return on assets | 0.2505% | 6,002 |
| Return on Equity (ROE) | 0.8847% | 6,235 |
| Retained earnings to average equity (ytd only) | 0.8847% | 5,546 |
| Net charge-offs to loans | 0.1486% | 2,915 |
| Credit loss provision to net charge-offs | 83.3333% | 2,561 |
| Earnings coverage of net charge-offs (x) | 3.0556% | 3,509 |
| Efficiency ratio | 89.5636% | 1,083 |
| Assets per employee ($millions) | 3.7428% | 4,316 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0922% | 5,477 |
| Loan loss allowance to noncurrent loans | 49.6599% | 5,222 |
| Noncurrent assets plus other real estate owned to assets | 1.7456% | 2,497 |
| Noncurrent loans to loans | 2.1993% | 2,177 |
| Net loans and leases to total assets | 78.5038% | 698 |
| Net loans and leases to deposits | 91.6826% | 991 |
| Net loans and leases to core deposits | 98.1880% | 1,196 |
| Total domestic deposits to total assets | 85.6256% | 3,564 |
| Equity capital to assets | 8.0540% | 6,161 |
| Core capital (leverage) ratio | 8.2215% | 5,987 |
| Tier 1 risk-based capital ratio | 9.6810% | 6,697 |
| Total risk-based capital ratio | 10.7230% | 6,709 |
| Memoranda: | ||
| Average total assets | $31,935,670 | 6,605 |
| Average earning assets | $29,636,000 | 6,570 |
| Average equity | $2,712,670 | 6,712 |
| Average total loans | $24,224,000 | 6,109 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6741% | 1,609 |
| Cost of funding earning assets | 1.1268% | 322 |
| Net interest margin | 3.5473% | 3,490 |
| Noninterest income to average assets | 0.1674% | 6,262 |
| Noninterest expense to average assets | 3.0649% | 2,791 |
| Loan and lease loss provision to assets | 0.1030% | 2,958 |
| Net operating income to assets | 0.2962% | 5,581 |
| Return on assets (ROA) | 0.2962% | 5,704 |
| Pretax return on assets | 0.2833% | 5,891 |
| Return on Equity (ROE) | 3.3917% | 5,395 |
| Retained earnings to average equity (ytd only) | 3.3917% | 4,220 |
| Net charge-offs to loans | -0.0174% | 5,658 |
| Credit loss provision to net charge-offs | -800.0000% | 5,583 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.8060% | 1,247 |
| Assets per employee ($millions) | 3.5146% | 4,951 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4025% | 4,215 |
| Loan loss allowance to noncurrent loans | 1,266.6667% | 377 |
| Noncurrent assets plus other real estate owned to assets | 0.0759% | 6,368 |
| Noncurrent loans to loans | 0.1107% | 6,149 |
| Net loans and leases to total assets | 67.5666% | 2,098 |
| Net loans and leases to deposits | 74.1054% | 2,906 |
| Net loans and leases to core deposits | 79.3643% | 2,883 |
| Total domestic deposits to total assets | 91.1764% | 453 |
| Equity capital to assets | 8.6118% | 5,906 |
| Core capital (leverage) ratio | 8.7199% | 5,299 |
| Tier 1 risk-based capital ratio | 11.6875% | 6,092 |
| Total risk-based capital ratio | 12.9403% | 6,066 |
| Memoranda: | ||
| Average total assets | $31,061,000 | 6,684 |
| Average earning assets | $28,754,000 | 6,653 |
| Average equity | $2,712,500 | 6,781 |
| Average total loans | $22,968,000 | 6,221 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1050% | 1,302 |
| Cost of funding earning assets | 1.2339% | 495 |
| Net interest margin | 3.8710% | 2,940 |
| Noninterest income to average assets | 0.2571% | 5,625 |
| Noninterest expense to average assets | 3.0158% | 3,218 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.6229% | 4,128 |
| Return on assets (ROA) | 0.6229% | 4,388 |
| Pretax return on assets | 0.8602% | 4,066 |
| Return on Equity (ROE) | 6.9762% | 3,651 |
| Retained earnings to average equity (ytd only) | 3.2851% | 3,917 |
| Net charge-offs to loans | -0.1181% | 6,862 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.8061% | 2,478 |
| Assets per employee ($millions) | 3.8114% | 4,346 |
| Cash dividends to net income (ytd only)* | 52.9101% | 2,173 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2160% | 5,042 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 78.5970% | 609 |
| Net loans and leases to deposits | 89.6491% | 1,104 |
| Net loans and leases to core deposits | 98.0164% | 1,147 |
| Total domestic deposits to total assets | 87.6718% | 2,433 |
| Equity capital to assets | 8.8584% | 5,676 |
| Core capital (leverage) ratio | 8.9707% | 4,946 |
| Tier 1 risk-based capital ratio | 10.6532% | 6,499 |
| Total risk-based capital ratio | 11.7260% | 6,536 |
| Memoranda: | ||
| Average total assets | $30,340,400 | 6,746 |
| Average earning assets | $28,364,600 | 6,707 |
| Average equity | $2,709,200 | 6,843 |
| Average total loans | $24,561,000 | 6,218 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9762% | 1,755 |
| Cost of funding earning assets | 1.2347% | 592 |
| Net interest margin | 3.7415% | 3,600 |
| Noninterest income to average assets | 0.2772% | 5,561 |
| Noninterest expense to average assets | 2.8819% | 3,668 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.8008% | 3,451 |
| Return on assets (ROA) | 0.8008% | 3,692 |
| Pretax return on assets | 0.9152% | 4,044 |
| Return on Equity (ROE) | 8.9501% | 2,831 |
| Retained earnings to average equity (ytd only) | 7.7208% | 1,743 |
| Net charge-offs to loans | -0.1515% | 6,940 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.8980% | 2,695 |
| Assets per employee ($millions) | 3.9111% | 4,052 |
| Cash dividends to net income (ytd only)* | 13.7353% | 3,301 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1889% | 5,333 |
| Loan loss allowance to noncurrent loans | 78.1915% | 3,906 |
| Noncurrent assets plus other real estate owned to assets | 1.2017% | 3,885 |
| Noncurrent loans to loans | 1.5205% | 3,501 |
| Net loans and leases to total assets | 78.0913% | 721 |
| Net loans and leases to deposits | 92.8026% | 893 |
| Net loans and leases to core deposits | 101.6093% | 1,010 |
| Total domestic deposits to total assets | 84.1478% | 4,152 |
| Equity capital to assets | 8.8498% | 5,981 |
| Core capital (leverage) ratio | 9.1107% | 4,898 |
| Tier 1 risk-based capital ratio | 11.1577% | 6,413 |
| Total risk-based capital ratio | 12.2738% | 6,448 |
| Memoranda: | ||
| Average total assets | $30,302,750 | 6,833 |
| Average earning assets | $28,508,500 | 6,787 |
| Average equity | $2,711,250 | 6,931 |
| Average total loans | $24,636,250 | 6,300 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1249% | 1,439 |
| Cost of funding earning assets | 1.2493% | 650 |
| Net interest margin | 3.8756% | 3,014 |
| Noninterest income to average assets | 0.3069% | 5,357 |
| Noninterest expense to average assets | 2.7624% | 4,167 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.0809% | 2,121 |
| Return on assets (ROA) | 1.0809% | 2,338 |
| Pretax return on assets | 1.1877% | 2,980 |
| Return on Equity (ROE) | 12.0357% | 1,656 |
| Retained earnings to average equity (ytd only) | 12.0357% | 577 |
| Net charge-offs to loans | -0.2195% | 7,016 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9324% | 3,778 |
| Assets per employee ($millions) | 3.6400% | 4,661 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2154% | 5,288 |
| Loan loss allowance to noncurrent loans | 77.9255% | 3,873 |
| Noncurrent assets plus other real estate owned to assets | 1.2912% | 3,844 |
| Noncurrent loans to loans | 1.5597% | 3,570 |
| Net loans and leases to total assets | 81.7788% | 346 |
| Net loans and leases to deposits | 91.0809% | 1,037 |
| Net loans and leases to core deposits | 98.0282% | 1,267 |
| Total domestic deposits to total assets | 89.7871% | 1,051 |
| Equity capital to assets | 9.5261% | 5,024 |
| Core capital (leverage) ratio | 9.6366% | 3,943 |
| Tier 1 risk-based capital ratio | 11.6506% | 6,140 |
| Total risk-based capital ratio | 12.8601% | 6,141 |
| Memoranda: | ||
| Average total assets | $29,974,000 | 6,891 |
| Average earning assets | $28,176,330 | 6,847 |
| Average equity | $2,692,000 | 6,971 |
| Average total loans | $24,605,670 | 6,339 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0868% | 1,619 |
| Cost of funding earning assets | 1.2332% | 834 |
| Net interest margin | 3.8536% | 3,124 |
| Noninterest income to average assets | 0.2237% | 6,016 |
| Noninterest expense to average assets | 2.8157% | 3,968 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.0131% | 2,425 |
| Return on assets (ROA) | 1.0131% | 2,620 |
| Pretax return on assets | 1.0263% | 3,587 |
| Return on Equity (ROE) | 11.6183% | 1,801 |
| Retained earnings to average equity (ytd only) | 11.6183% | 899 |
| Net charge-offs to loans | -0.4023% | 7,118 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2877% | 3,202 |
| Assets per employee ($millions) | 3.5163% | 5,078 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3489% | 4,808 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 75.6559% | 843 |
| Net loans and leases to deposits | 83.8369% | 1,683 |
| Net loans and leases to core deposits | 90.4386% | 1,805 |
| Total domestic deposits to total assets | 90.2417% | 947 |
| Equity capital to assets | 9.5592% | 4,712 |
| Core capital (leverage) ratio | 9.4493% | 4,119 |
| Tier 1 risk-based capital ratio | 12.8926% | 5,288 |
| Total risk-based capital ratio | 14.1439% | 5,265 |
| Memoranda: | ||
| Average total assets | $30,401,000 | 6,937 |
| Average earning assets | $28,544,500 | 6,893 |
| Average equity | $2,651,000 | 7,030 |
| Average total loans | $24,855,000 | 6,378 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9816% | 441 |
| Cost of funding earning assets | 2.2907% | 45 |
| Net interest margin | 3.6908% | 4,341 |
| Noninterest income to average assets | 0.2174% | 5,964 |
| Noninterest expense to average assets | 2.9840% | 3,648 |
| Loan and lease loss provision to assets | 0.0714% | 5,725 |
| Net operating income to assets | 0.5253% | 4,327 |
| Return on assets (ROA) | 0.5279% | 4,514 |
| Pretax return on assets | 0.6521% | 4,504 |
| Return on Equity (ROE) | 6.5460% | 3,619 |
| Retained earnings to average equity (ytd only) | 3.4655% | 3,751 |
| Net charge-offs to loans | -0.0404% | 7,033 |
| Credit loss provision to net charge-offs | -209.0909% | 6,754 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.5532% | 2,229 |
| Assets per employee ($millions) | 4.0840% | 3,679 |
| Cash dividends to net income (ytd only)* | 47.0588% | 2,217 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9454% | 6,415 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 85.3055% | 154 |
| Net loans and leases to deposits | 119.7980% | 89 |
| Net loans and leases to core deposits | 129.9953% | 237 |
| Total domestic deposits to total assets | 71.2078% | 6,914 |
| Equity capital to assets | 7.9977% | 6,574 |
| Core capital (leverage) ratio | 8.0176% | 6,247 |
| Tier 1 risk-based capital ratio | 9.5469% | 6,953 |
| Total risk-based capital ratio | 10.5188% | 6,992 |
| Memoranda: | ||
| Average total assets | $32,205,400 | 6,912 |
| Average earning assets | $30,426,800 | 6,855 |
| Average equity | $2,597,000 | 7,095 |
| Average total loans | $27,201,600 | 6,283 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9774% | 482 |
| Cost of funding earning assets | 2.3172% | 46 |
| Net interest margin | 3.6601% | 4,529 |
| Noninterest income to average assets | 0.2119% | 6,099 |
| Noninterest expense to average assets | 2.7839% | 4,404 |
| Loan and lease loss provision to assets | 0.0956% | 5,268 |
| Net operating income to assets | 0.6531% | 3,857 |
| Return on assets (ROA) | 0.6565% | 4,009 |
| Pretax return on assets | 0.8019% | 4,123 |
| Return on Equity (ROE) | 8.1242% | 2,993 |
| Retained earnings to average equity (ytd only) | 8.1242% | 1,461 |
| Net charge-offs to loans | -0.0445% | 7,032 |
| Credit loss provision to net charge-offs | -255.5556% | 6,606 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7062% | 2,884 |
| Assets per employee ($millions) | 4.2166% | 3,414 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9321% | 6,506 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 83.1767% | 277 |
| Net loans and leases to deposits | 119.4822% | 89 |
| Net loans and leases to core deposits | 129.5503% | 252 |
| Total domestic deposits to total assets | 69.6143% | 7,056 |
| Equity capital to assets | 7.9477% | 6,727 |
| Core capital (leverage) ratio | 8.1745% | 6,160 |
| Tier 1 risk-based capital ratio | 9.9840% | 6,961 |
| Total risk-based capital ratio | 10.9671% | 7,019 |
| Memoranda: | ||
| Average total assets | $32,088,750 | 6,980 |
| Average earning assets | $30,380,500 | 6,924 |
| Average equity | $2,593,000 | 7,164 |
| Average total loans | $26,967,750 | 6,355 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9417% | 529 |
| Cost of funding earning assets | 2.3820% | 47 |
| Net interest margin | 3.5597% | 4,888 |
| Noninterest income to average assets | 0.1966% | 6,266 |
| Noninterest expense to average assets | 2.9042% | 4,006 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.5527% | 4,300 |
| Return on assets (ROA) | 0.5580% | 4,398 |
| Pretax return on assets | 0.6721% | 4,489 |
| Return on Equity (ROE) | 6.8652% | 3,504 |
| Retained earnings to average equity (ytd only) | 6.8652% | 1,937 |
| Net charge-offs to loans | -0.0453% | 7,011 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.3499% | 2,193 |
| Assets per employee ($millions) | 3.9825% | 3,788 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8884% | 6,690 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 83.3396% | 282 |
| Net loans and leases to deposits | 109.0207% | 195 |
| Net loans and leases to core deposits | 118.2348% | 464 |
| Total domestic deposits to total assets | 76.4438% | 6,530 |
| Equity capital to assets | 8.1921% | 6,524 |
| Core capital (leverage) ratio | 8.2441% | 5,960 |
| Tier 1 risk-based capital ratio | 10.3330% | 6,855 |
| Total risk-based capital ratio | 11.2752% | 6,966 |
| Memoranda: | ||
| Average total assets | $31,540,670 | 7,056 |
| Average earning assets | $29,890,330 | 6,999 |
| Average equity | $2,563,670 | 7,235 |
| Average total loans | $26,516,330 | 6,452 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8417% | 678 |
| Cost of funding earning assets | 2.3205% | 61 |
| Net interest margin | 3.5212% | 4,910 |
| Noninterest income to average assets | 0.1657% | 6,543 |
| Noninterest expense to average assets | 3.0719% | 3,374 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.4461% | 4,740 |
| Return on assets (ROA) | 0.4589% | 4,752 |
| Pretax return on assets | 0.4334% | 5,235 |
| Return on Equity (ROE) | 5.6682% | 4,079 |
| Retained earnings to average equity (ytd only) | 5.6682% | 2,817 |
| Net charge-offs to loans | -0.0455% | 6,850 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.9562% | 1,519 |
| Assets per employee ($millions) | 3.9324% | 3,984 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8757% | 6,756 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 84.5609% | 200 |
| Net loans and leases to deposits | 111.6558% | 161 |
| Net loans and leases to core deposits | 122.0107% | 379 |
| Total domestic deposits to total assets | 75.7335% | 6,708 |
| Equity capital to assets | 8.1344% | 6,361 |
| Core capital (leverage) ratio | 8.1546% | 6,041 |
| Tier 1 risk-based capital ratio | 10.0963% | 6,973 |
| Total risk-based capital ratio | 11.0234% | 7,077 |
| Memoranda: | ||
| Average total assets | $31,381,000 | 7,113 |
| Average earning assets | $29,649,000 | 7,064 |
| Average equity | $2,540,500 | 7,287 |
| Average total loans | $26,379,500 | 6,509 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5967% | 282 |
| Cost of funding earning assets | 2.5982% | 76 |
| Net interest margin | 3.9984% | 3,027 |
| Noninterest income to average assets | 0.2169% | 6,255 |
| Noninterest expense to average assets | 3.2394% | 2,952 |
| Loan and lease loss provision to assets | 0.0723% | 6,423 |
| Net operating income to assets | 0.4483% | 4,324 |
| Return on assets (ROA) | 0.4483% | 4,487 |
| Pretax return on assets | 0.6219% | 4,254 |
| Return on Equity (ROE) | 4.9047% | 4,109 |
| Retained earnings to average equity (ytd only) | 1.1471% | 4,971 |
| Net charge-offs to loans | 0.4727% | 3,730 |
| Credit loss provision to net charge-offs | 19.0476% | 6,559 |
| Earnings coverage of net charge-offs (x) | 1.8286% | 4,355 |
| Efficiency ratio | 82.3529% | 2,115 |
| Assets per employee ($millions) | 3.9129% | 3,980 |
| Cash dividends to net income (ytd only)* | 76.6129% | 972 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8950% | 6,739 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 82.0688% | 443 |
| Net loans and leases to deposits | 113.4667% | 183 |
| Net loans and leases to core deposits | 124.4490% | 417 |
| Total domestic deposits to total assets | 72.3285% | 7,054 |
| Equity capital to assets | 8.0567% | 6,435 |
| Core capital (leverage) ratio | 9.2857% | 4,032 |
| Tier 1 risk-based capital ratio | 10.1123% | 6,926 |
| Total risk-based capital ratio | 11.0425% | 7,051 |
| Memoranda: | ||
| Average total assets | $27,659,400 | 7,270 |
| Average earning assets | $25,710,000 | 7,238 |
| Average equity | $2,528,200 | 7,391 |
| Average total loans | $22,212,800 | 6,810 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1475% | 687 |
| Cost of funding earning assets | 2.0492% | 640 |
| Net interest margin | 4.0983% | 2,630 |
| Noninterest income to average assets | 0.2343% | 6,207 |
| Noninterest expense to average assets | 3.3895% | 2,327 |
| Loan and lease loss provision to assets | 0.0997% | 6,023 |
| Net operating income to assets | 0.5483% | 4,099 |
| Return on assets (ROA) | 0.5483% | 4,267 |
| Pretax return on assets | 0.5433% | 4,784 |
| Return on Equity (ROE) | 5.7974% | 3,906 |
| Retained earnings to average equity (ytd only) | 4.7436% | 3,164 |
| Net charge-offs to loans | 0.6452% | 2,817 |
| Credit loss provision to net charge-offs | 19.4175% | 6,253 |
| Earnings coverage of net charge-offs (x) | 1.2525% | 4,815 |
| Efficiency ratio | 84.0544% | 1,833 |
| Assets per employee ($millions) | 3.3480% | 5,336 |
| Cash dividends to net income (ytd only)* | 18.1849% | 3,034 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1063% | 5,912 |
| Loan loss allowance to noncurrent loans | 60.7792% | 4,278 |
| Noncurrent assets plus other real estate owned to assets | 1.4374% | 4,298 |
| Noncurrent loans to loans | 1.8202% | 3,913 |
| Net loans and leases to total assets | 78.0989% | 1,026 |
| Net loans and leases to deposits | 86.6744% | 2,205 |
| Net loans and leases to core deposits | 96.2499% | 2,230 |
| Total domestic deposits to total assets | 90.1060% | 824 |
| Equity capital to assets | 9.6438% | 4,632 |
| Core capital (leverage) ratio | 9.6273% | 3,718 |
| Tier 1 risk-based capital ratio | 13.1571% | 4,452 |
| Total risk-based capital ratio | 14.3490% | 4,471 |
| Memoranda: | ||
| Average total assets | $26,748,500 | 7,391 |
| Average earning assets | $24,790,000 | 7,355 |
| Average equity | $2,529,750 | 7,485 |
| Average total loans | $21,285,500 | 6,948 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1198% | 729 |
| Cost of funding earning assets | 2.1100% | 638 |
| Net interest margin | 4.0098% | 2,966 |
| Noninterest income to average assets | 0.2095% | 6,421 |
| Noninterest expense to average assets | 3.4784% | 2,074 |
| Loan and lease loss provision to assets | 0.1496% | 5,405 |
| Net operating income to assets | 0.2917% | 5,213 |
| Return on assets (ROA) | 0.2917% | 5,364 |
| Pretax return on assets | 0.2917% | 5,521 |
| Return on Equity (ROE) | 3.1051% | 5,174 |
| Retained earnings to average equity (ytd only) | 3.1051% | 4,135 |
| Net charge-offs to loans | 1.0033% | 1,853 |
| Credit loss provision to net charge-offs | 18.6916% | 5,868 |
| Earnings coverage of net charge-offs (x) | 0.5514% | 5,186 |
| Efficiency ratio | 88.7405% | 1,444 |
| Assets per employee ($millions) | 3.3165% | 5,400 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0689% | 6,086 |
| Loan loss allowance to noncurrent loans | 61.6622% | 4,237 |
| Noncurrent assets plus other real estate owned to assets | 1.8091% | 3,746 |
| Noncurrent loans to loans | 1.7335% | 4,087 |
| Net loans and leases to total assets | 80.2314% | 761 |
| Net loans and leases to deposits | 90.3523% | 1,801 |
| Net loans and leases to core deposits | 100.9006% | 1,929 |
| Total domestic deposits to total assets | 88.7984% | 1,548 |
| Equity capital to assets | 9.5432% | 4,643 |
| Core capital (leverage) ratio | 9.3938% | 3,970 |
| Tier 1 risk-based capital ratio | 12.8365% | 4,576 |
| Total risk-based capital ratio | 14.0025% | 4,613 |
| Memoranda: | ||
| Average total assets | $26,736,670 | 7,448 |
| Average earning assets | $24,739,330 | 7,413 |
| Average equity | $2,512,000 | 7,545 |
| Average total loans | $21,330,000 | 7,000 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0707% | 834 |
| Cost of funding earning assets | 2.1369% | 723 |
| Net interest margin | 3.9338% | 3,179 |
| Noninterest income to average assets | 0.2087% | 6,466 |
| Noninterest expense to average assets | 3.6216% | 1,687 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.2683% | 5,428 |
| Return on assets (ROA) | 0.2683% | 5,549 |
| Pretax return on assets | 0.2087% | 5,853 |
| Return on Equity (ROE) | 2.8777% | 5,391 |
| Retained earnings to average equity (ytd only) | 2.8777% | 4,404 |
| Net charge-offs to loans | -0.0377% | 7,262 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.5525% | 1,105 |
| Assets per employee ($millions) | 2.9394% | 6,362 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5128% | 3,844 |
| Loan loss allowance to noncurrent loans | 95.7958% | 2,887 |
| Noncurrent assets plus other real estate owned to assets | 1.2587% | 4,658 |
| Noncurrent loans to loans | 1.5792% | 4,374 |
| Net loans and leases to total assets | 78.5031% | 1,062 |
| Net loans and leases to deposits | 86.9827% | 2,408 |
| Net loans and leases to core deposits | 104.3461% | 1,710 |
| Total domestic deposits to total assets | 90.2514% | 858 |
| Equity capital to assets | 9.4916% | 4,546 |
| Core capital (leverage) ratio | 9.3547% | 3,963 |
| Tier 1 risk-based capital ratio | 13.2577% | 4,160 |
| Total risk-based capital ratio | 14.5143% | 4,099 |
| Memoranda: | ||
| Average total assets | $26,839,000 | 7,535 |
| Average earning assets | $24,709,000 | 7,508 |
| Average equity | $2,502,000 | 7,631 |
| Average total loans | $21,236,500 | 7,086 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4032% | 822 |
| Cost of funding earning assets | 2.6934% | 604 |
| Net interest margin | 3.7099% | 4,094 |
| Noninterest income to average assets | 0.2216% | 6,527 |
| Noninterest expense to average assets | 3.2691% | 3,126 |
| Loan and lease loss provision to assets | 0.0739% | 6,848 |
| Net operating income to assets | 0.3546% | 4,307 |
| Return on assets (ROA) | 0.3546% | 4,403 |
| Pretax return on assets | 0.3029% | 4,750 |
| Return on Equity (ROE) | 3.8626% | 4,141 |
| Retained earnings to average equity (ytd only) | 1.6496% | 3,927 |
| Net charge-offs to loans | 0.1435% | 5,802 |
| Credit loss provision to net charge-offs | 68.9655% | 6,510 |
| Earnings coverage of net charge-offs (x) | 3.5172% | 3,310 |
| Efficiency ratio | 89.6657% | 1,733 |
| Assets per employee ($millions) | 3.0248% | 6,161 |
| Cash dividends to net income (ytd only)* | 57.2917% | 2,122 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4823% | 3,820 |
| Loan loss allowance to noncurrent loans | 74.7642% | 3,671 |
| Noncurrent assets plus other real estate owned to assets | 1.5575% | 4,039 |
| Noncurrent loans to loans | 1.9826% | 3,669 |
| Net loans and leases to total assets | 77.3941% | 1,504 |
| Net loans and leases to deposits | 91.5367% | 1,958 |
| Net loans and leases to core deposits | 111.1469% | 2,781 |
| Total domestic deposits to total assets | 84.5498% | 3,775 |
| Equity capital to assets | 9.1577% | 4,907 |
| Core capital (leverage) ratio | 9.0398% | 4,358 |
| Tier 1 risk-based capital ratio | 12.7513% | 4,324 |
| Total risk-based capital ratio | 14.0044% | 4,262 |
| Memoranda: | ||
| Average total assets | $27,071,800 | 7,584 |
| Average earning assets | $24,987,400 | 7,543 |
| Average equity | $2,485,400 | 7,736 |
| Average total loans | $20,202,600 | 7,179 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3886% | 946 |
| Cost of funding earning assets | 2.7684% | 650 |
| Net interest margin | 3.6202% | 4,408 |
| Noninterest income to average assets | 0.3403% | 5,767 |
| Noninterest expense to average assets | 3.2353% | 3,172 |
| Loan and lease loss provision to assets | 0.0987% | 6,381 |
| Net operating income to assets | 0.3008% | 4,789 |
| Return on assets (ROA) | 0.3008% | 4,893 |
| Pretax return on assets | 0.3600% | 4,906 |
| Return on Equity (ROE) | 3.2748% | 4,673 |
| Retained earnings to average equity (ytd only) | 3.2748% | 3,479 |
| Net charge-offs to loans | 0.2076% | 4,743 |
| Credit loss provision to net charge-offs | 64.5161% | 6,092 |
| Earnings coverage of net charge-offs (x) | 3.0002% | 3,733 |
| Efficiency ratio | 87.5834% | 1,911 |
| Assets per employee ($millions) | 3.2070% | 5,631 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4374% | 3,753 |
| Loan loss allowance to noncurrent loans | 71.9178% | 3,739 |
| Noncurrent assets plus other real estate owned to assets | 1.5175% | 4,092 |
| Noncurrent loans to loans | 1.9986% | 3,647 |
| Net loans and leases to total assets | 74.8363% | 2,283 |
| Net loans and leases to deposits | 88.7902% | 2,822 |
| Net loans and leases to core deposits | 106.7510% | 3,616 |
| Total domestic deposits to total assets | 84.2844% | 3,586 |
| Equity capital to assets | 8.7066% | 5,942 |
| Core capital (leverage) ratio | 8.9584% | 4,709 |
| Tier 1 risk-based capital ratio | 12.2466% | 4,751 |
| Total risk-based capital ratio | 13.4990% | 4,689 |
| Memoranda: | ||
| Average total assets | $27,034,000 | 7,647 |
| Average earning assets | $25,044,000 | 7,610 |
| Average equity | $2,483,500 | 7,811 |
| Average total loans | $19,906,750 | 7,266 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5116% | 804 |
| Cost of funding earning assets | 2.8858% | 631 |
| Net interest margin | 3.6258% | 4,262 |
| Noninterest income to average assets | 0.3406% | 5,783 |
| Noninterest expense to average assets | 3.2849% | 3,027 |
| Loan and lease loss provision to assets | 0.1514% | 5,557 |
| Net operating income to assets | 0.1817% | 5,329 |
| Return on assets (ROA) | 0.1817% | 5,415 |
| Pretax return on assets | 0.2422% | 5,346 |
| Return on Equity (ROE) | 1.9404% | 5,323 |
| Retained earnings to average equity (ytd only) | 1.9404% | 4,262 |
| Net charge-offs to loans | 0.3327% | 3,513 |
| Credit loss provision to net charge-offs | 62.5000% | 5,550 |
| Earnings coverage of net charge-offs (x) | 1.6250% | 4,322 |
| Efficiency ratio | 89.3004% | 1,878 |
| Assets per employee ($millions) | 2.7014% | 6,830 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5252% | 3,061 |
| Loan loss allowance to noncurrent loans | 682.6087% | 497 |
| Noncurrent assets plus other real estate owned to assets | 0.1703% | 7,121 |
| Noncurrent loans to loans | 0.2234% | 6,949 |
| Net loans and leases to total assets | 75.0463% | 2,422 |
| Net loans and leases to deposits | 82.9705% | 4,046 |
| Net loans and leases to core deposits | 100.0148% | 4,511 |
| Total domestic deposits to total assets | 90.4494% | 649 |
| Equity capital to assets | 9.1656% | 5,071 |
| Core capital (leverage) ratio | 9.0686% | 4,517 |
| Tier 1 risk-based capital ratio | 12.6056% | 4,439 |
| Total risk-based capital ratio | 13.8581% | 4,352 |
| Memoranda: | ||
| Average total assets | $26,424,330 | 7,742 |
| Average earning assets | $24,326,000 | 7,710 |
| Average equity | $2,473,670 | 7,884 |
| Average total loans | $19,237,330 | 7,382 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8343% | 455 |
| Cost of funding earning assets | 2.9531% | 677 |
| Net interest margin | 3.8812% | 3,132 |
| Noninterest income to average assets | 0.3521% | 5,630 |
| Noninterest expense to average assets | 3.1841% | 3,058 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.6276% | 3,899 |
| Return on assets (ROA) | 0.6276% | 4,079 |
| Pretax return on assets | 0.6889% | 4,469 |
| Return on Equity (ROE) | 6.6330% | 3,758 |
| Retained earnings to average equity (ytd only) | 6.6330% | 2,360 |
| Net charge-offs to loans | -0.0215% | 7,459 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.2134% | 2,507 |
| Assets per employee ($millions) | 2.6454% | 6,986 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8137% | 1,818 |
| Loan loss allowance to noncurrent loans | 103.4810% | 2,962 |
| Noncurrent assets plus other real estate owned to assets | 1.1945% | 4,282 |
| Noncurrent loans to loans | 1.7527% | 3,636 |
| Net loans and leases to total assets | 66.9162% | 4,359 |
| Net loans and leases to deposits | 74.1538% | 5,461 |
| Net loans and leases to core deposits | 89.6349% | 5,592 |
| Total domestic deposits to total assets | 90.2397% | 702 |
| Equity capital to assets | 9.4239% | 4,778 |
| Core capital (leverage) ratio | 9.3574% | 4,161 |
| Tier 1 risk-based capital ratio | 13.7099% | 3,735 |
| Total risk-based capital ratio | 14.9912% | 3,644 |
| Memoranda: | ||
| Average total assets | $26,129,500 | 7,792 |
| Average earning assets | $23,704,000 | 7,781 |
| Average equity | $2,472,500 | 7,937 |
| Average total loans | $18,562,500 | 7,460 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6425% | 2,279 |
| Cost of funding earning assets | 3.4638% | 577 |
| Net interest margin | 3.1787% | 6,435 |
| Noninterest income to average assets | 0.5234% | 4,439 |
| Noninterest expense to average assets | 3.8678% | 1,625 |
| Loan and lease loss provision to assets | 0.0385% | 6,932 |
| Net operating income to assets | -0.2771% | 6,715 |
| Return on assets (ROA) | -0.2771% | 6,567 |
| Pretax return on assets | -0.5503% | 6,686 |
| Return on Equity (ROE) | -2.8688% | 6,602 |
| Retained earnings to average equity (ytd only) | -4.8609% | 6,490 |
| Net charge-offs to loans | 0.8771% | 1,419 |
| Credit loss provision to net charge-offs | 6.3291% | 6,635 |
| Earnings coverage of net charge-offs (x) | -0.8418% | 6,565 |
| Efficiency ratio | 115.2523% | 623 |
| Assets per employee ($millions) | 2.3459% | 7,494 |
| Cash dividends to net income (ytd only)* | -69.4444% | 8,097 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7072% | 1,886 |
| Loan loss allowance to noncurrent loans | 73.5892% | 4,396 |
| Noncurrent assets plus other real estate owned to assets | 1.7167% | 2,833 |
| Noncurrent loans to loans | 2.3199% | 2,384 |
| Net loans and leases to total assets | 72.7378% | 3,426 |
| Net loans and leases to deposits | 80.6722% | 4,929 |
| Net loans and leases to core deposits | 96.6778% | 5,186 |
| Total domestic deposits to total assets | 90.1647% | 586 |
| Equity capital to assets | 9.5020% | 4,694 |
| Core capital (leverage) ratio | 9.2260% | 4,400 |
| Tier 1 risk-based capital ratio | 13.0149% | 4,104 |
| Total risk-based capital ratio | 14.2728% | 4,008 |
| Memoranda: | ||
| Average total assets | $25,983,600 | 7,807 |
| Average earning assets | $23,154,000 | 7,817 |
| Average equity | $2,509,800 | 7,982 |
| Average total loans | $18,013,600 | 7,458 |