Home > Citizens Bank of Cape Vincent > Performance and Condition Ratios
Citizens Bank of Cape Vincent, Performance and Condition Ratios
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8244% | 3,936 |
| Cost of funding earning assets | 0.0831% | 4,342 |
| Net interest margin | 2.7412% | 3,604 |
| Noninterest income to average assets | 0.1048% | 4,465 |
| Noninterest expense to average assets | 3.2743% | 569 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | -0.5787% | 4,689 |
| Return on assets (ROA) | -0.5787% | 4,675 |
| Pretax return on assets | -0.5787% | 4,662 |
| Return on Equity (ROE) | -8.5594% | 4,714 |
| Retained earnings to average equity (ytd only) | -8.5594% | 4,634 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 121.4664% | 74 |
| Assets per employee ($millions) | 5.1899% | 3,517 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6506% | 1,049 |
| Loan loss allowance to noncurrent loans | 145.0801% | 3,047 |
| Noncurrent assets plus other real estate owned to assets | 0.5263% | 1,077 |
| Noncurrent loans to loans | 1.1377% | 716 |
| Net loans and leases to total assets | 45.4936% | 3,738 |
| Net loans and leases to deposits | 48.5416% | 3,895 |
| Net loans and leases to core deposits | 49.3243% | 3,965 |
| Total domestic deposits to total assets | 93.7209% | 332 |
| Equity capital to assets | 5.7528% | 4,285 |
| Core capital (leverage) ratio | 7.7282% | 4,474 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.4460% | 510 |
| Memoranda: | ||
| Average total assets | $83,987,000 | 4,155 |
| Average earning assets | $79,380,000 | 4,126 |
| Average equity | $5,678,000 | 4,447 |
| Average total loans | $39,765,333 | 4,143 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7774% | 3,785 |
| Cost of funding earning assets | 0.0802% | 4,355 |
| Net interest margin | 2.6972% | 3,403 |
| Noninterest income to average assets | 0.0852% | 4,554 |
| Noninterest expense to average assets | 4.0113% | 275 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | -1.3781% | 4,750 |
| Return on assets (ROA) | -1.3781% | 4,748 |
| Pretax return on assets | -1.3781% | 4,747 |
| Return on Equity (ROE) | -18.9932% | 4,770 |
| Retained earnings to average equity (ytd only) | -18.9932% | 4,690 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 152.3381% | 38 |
| Assets per employee ($millions) | 5.6251% | 3,208 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5811% | 1,323 |
| Loan loss allowance to noncurrent loans | 125.2964% | 3,159 |
| Noncurrent assets plus other real estate owned to assets | 0.5997% | 987 |
| Noncurrent loans to loans | 1.2619% | 697 |
| Net loans and leases to total assets | 46.7722% | 3,512 |
| Net loans and leases to deposits | 50.2144% | 3,718 |
| Net loans and leases to core deposits | 51.0154% | 3,806 |
| Total domestic deposits to total assets | 93.1451% | 240 |
| Equity capital to assets | 6.3809% | 4,474 |
| Core capital (leverage) ratio | 7.3779% | 4,595 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.3362% | 611 |
| Memoranda: | ||
| Average total assets | $84,461,500 | 4,166 |
| Average earning assets | $79,787,000 | 4,144 |
| Average equity | $6,128,500 | 4,451 |
| Average total loans | $40,442,500 | 4,152 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8971% | 4,060 |
| Cost of funding earning assets | 0.0973% | 4,400 |
| Net interest margin | 2.7998% | 3,666 |
| Noninterest income to average assets | 0.0979% | 4,615 |
| Noninterest expense to average assets | 2.3452% | 2,670 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.3588% | 4,333 |
| Return on assets (ROA) | 0.3588% | 4,362 |
| Pretax return on assets | 0.3963% | 4,392 |
| Return on Equity (ROE) | 4.1421% | 4,188 |
| Retained earnings to average equity (ytd only) | 2.0502% | 3,968 |
| Net charge-offs to loans | 0.0330% | 1,575 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 25.2308% | 1,728 |
| Efficiency ratio | 85.5443% | 491 |
| Assets per employee ($millions) | 5.6364% | 3,131 |
| Cash dividends to net income (ytd only)* | 50.5051% | 1,485 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5545% | 1,373 |
| Loan loss allowance to noncurrent loans | 123.8281% | 3,187 |
| Noncurrent assets plus other real estate owned to assets | 0.6056% | 1,087 |
| Noncurrent loans to loans | 1.2553% | 765 |
| Net loans and leases to total assets | 47.4913% | 3,540 |
| Net loans and leases to deposits | 51.8719% | 3,745 |
| Net loans and leases to core deposits | 52.7116% | 3,843 |
| Total domestic deposits to total assets | 91.5549% | 298 |
| Equity capital to assets | 8.1293% | 4,287 |
| Core capital (leverage) ratio | 8.0127% | 4,356 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.9831% | 560 |
| Memoranda: | ||
| Average total assets | $82,765,800 | 4,179 |
| Average earning assets | $78,148,400 | 4,151 |
| Average equity | $7,170,200 | 4,410 |
| Average total loans | $39,350,800 | 4,207 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9776% | 4,046 |
| Cost of funding earning assets | 0.0995% | 4,509 |
| Net interest margin | 2.8782% | 3,600 |
| Noninterest income to average assets | 0.0972% | 4,679 |
| Noninterest expense to average assets | 2.3566% | 2,581 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.4049% | 4,369 |
| Return on assets (ROA) | 0.4049% | 4,396 |
| Pretax return on assets | 0.4584% | 4,423 |
| Return on Equity (ROE) | 4.6011% | 4,203 |
| Retained earnings to average equity (ytd only) | 4.6011% | 3,369 |
| Net charge-offs to loans | 0.0445% | 1,224 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 21.7692% | 1,702 |
| Efficiency ratio | 83.7169% | 535 |
| Assets per employee ($millions) | 5.1296% | 3,572 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5729% | 1,410 |
| Loan loss allowance to noncurrent loans | 123.1068% | 3,164 |
| Noncurrent assets plus other real estate owned to assets | 0.6066% | 1,259 |
| Noncurrent loans to loans | 1.2777% | 854 |
| Net loans and leases to total assets | 45.4945% | 3,829 |
| Net loans and leases to deposits | 49.7804% | 4,017 |
| Net loans and leases to core deposits | 50.5620% | 4,104 |
| Total domestic deposits to total assets | 91.3903% | 261 |
| Equity capital to assets | 8.3356% | 4,317 |
| Core capital (leverage) ratio | 8.2693% | 4,237 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.3995% | 577 |
| Memoranda: | ||
| Average total assets | $82,320,750 | 4,236 |
| Average earning assets | $77,732,750 | 4,209 |
| Average equity | $7,244,500 | 4,462 |
| Average total loans | $38,992,000 | 4,277 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0540% | 3,950 |
| Cost of funding earning assets | 0.1073% | 4,525 |
| Net interest margin | 2.9467% | 3,456 |
| Noninterest income to average assets | 0.0917% | 4,725 |
| Noninterest expense to average assets | 2.3596% | 2,586 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.4808% | 4,256 |
| Return on assets (ROA) | 0.4808% | 4,299 |
| Pretax return on assets | 0.5230% | 4,347 |
| Return on Equity (ROE) | 5.3618% | 4,066 |
| Retained earnings to average equity (ytd only) | 5.3618% | 3,047 |
| Net charge-offs to loans | -0.0259% | 4,099 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.8573% | 679 |
| Assets per employee ($millions) | 4.3436% | 4,223 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6525% | 1,165 |
| Loan loss allowance to noncurrent loans | 119.1956% | 3,155 |
| Noncurrent assets plus other real estate owned to assets | 0.6628% | 1,257 |
| Noncurrent loans to loans | 1.3864% | 840 |
| Net loans and leases to total assets | 47.0180% | 3,823 |
| Net loans and leases to deposits | 51.7229% | 4,012 |
| Net loans and leases to core deposits | 52.3728% | 4,112 |
| Total domestic deposits to total assets | 90.9037% | 404 |
| Equity capital to assets | 8.7946% | 3,981 |
| Core capital (leverage) ratio | 8.4069% | 4,072 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.9389% | 546 |
| Memoranda: | ||
| Average total assets | $80,693,000 | 4,283 |
| Average earning assets | $76,423,667 | 4,255 |
| Average equity | $7,236,333 | 4,488 |
| Average total loans | $38,553,667 | 4,313 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1364% | 3,812 |
| Cost of funding earning assets | 0.1269% | 4,483 |
| Net interest margin | 3.0094% | 3,235 |
| Noninterest income to average assets | 0.0852% | 4,746 |
| Noninterest expense to average assets | 2.4619% | 2,293 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.4763% | 4,222 |
| Return on assets (ROA) | 0.4763% | 4,257 |
| Pretax return on assets | 0.4763% | 4,385 |
| Return on Equity (ROE) | 5.2592% | 4,042 |
| Retained earnings to average equity (ytd only) | 5.2592% | 3,144 |
| Net charge-offs to loans | -0.0315% | 4,193 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.7884% | 607 |
| Assets per employee ($millions) | 4.5146% | 4,087 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6819% | 1,092 |
| Loan loss allowance to noncurrent loans | 133.7449% | 2,957 |
| Noncurrent assets plus other real estate owned to assets | 0.5981% | 1,597 |
| Noncurrent loans to loans | 1.2575% | 1,035 |
| Net loans and leases to total assets | 46.7586% | 3,907 |
| Net loans and leases to deposits | 51.4126% | 4,074 |
| Net loans and leases to core deposits | 52.0678% | 4,190 |
| Total domestic deposits to total assets | 90.9478% | 419 |
| Equity capital to assets | 8.7532% | 3,911 |
| Core capital (leverage) ratio | 8.1299% | 4,451 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $79,775,500 | 4,310 |
| Average earning assets | $75,628,500 | 4,285 |
| Average equity | $7,225,500 | 4,508 |
| Average total loans | $38,103,000 | 4,339 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4384% | 4,141 |
| Cost of funding earning assets | 0.1918% | 4,604 |
| Net interest margin | 3.2465% | 3,225 |
| Noninterest income to average assets | 0.0411% | 4,875 |
| Noninterest expense to average assets | 2.5904% | 2,588 |
| Loan and lease loss provision to assets | 0.0699% | 3,508 |
| Net operating income to assets | 0.3632% | 4,320 |
| Return on assets (ROA) | 0.3632% | 4,394 |
| Pretax return on assets | 0.4194% | 4,387 |
| Return on Equity (ROE) | 3.7141% | 4,222 |
| Retained earnings to average equity (ytd only) | 1.6118% | 3,992 |
| Net charge-offs to loans | 0.1023% | 1,448 |
| Credit loss provision to net charge-offs | 137.8378% | 2,499 |
| Earnings coverage of net charge-offs (x) | 9.6486% | 2,507 |
| Efficiency ratio | 84.1121% | 623 |
| Assets per employee ($millions) | 6.5241% | 1,905 |
| Cash dividends to net income (ytd only)* | 56.6038% | 1,515 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7226% | 988 |
| Loan loss allowance to noncurrent loans | 133.1276% | 2,961 |
| Noncurrent assets plus other real estate owned to assets | 0.6208% | 1,699 |
| Noncurrent loans to loans | 1.2940% | 1,057 |
| Net loans and leases to total assets | 47.1484% | 4,041 |
| Net loans and leases to deposits | 52.4199% | 4,199 |
| Net loans and leases to core deposits | 53.1207% | 4,292 |
| Total domestic deposits to total assets | 89.9437% | 589 |
| Equity capital to assets | 9.3730% | 3,721 |
| Core capital (leverage) ratio | 8.7162% | 3,993 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $72,962,400 | 4,340 |
| Average earning assets | $68,288,000 | 4,320 |
| Average equity | $7,135,000 | 4,510 |
| Average total loans | $36,182,200 | 4,385 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5146% | 4,182 |
| Cost of funding earning assets | 0.2036% | 4,664 |
| Net interest margin | 3.3110% | 3,155 |
| Noninterest income to average assets | 0.0261% | 4,940 |
| Noninterest expense to average assets | 2.5389% | 2,724 |
| Loan and lease loss provision to assets | 0.0740% | 3,397 |
| Net operating income to assets | 0.4635% | 4,133 |
| Return on assets (ROA) | 0.4635% | 4,206 |
| Pretax return on assets | 0.5007% | 4,277 |
| Return on Equity (ROE) | 4.6863% | 3,973 |
| Retained earnings to average equity (ytd only) | 4.6863% | 2,703 |
| Net charge-offs to loans | 0.1451% | 1,007 |
| Credit loss provision to net charge-offs | 102.5641% | 2,604 |
| Earnings coverage of net charge-offs (x) | 7.9231% | 2,537 |
| Efficiency ratio | 81.5302% | 752 |
| Assets per employee ($millions) | 4.4984% | 3,850 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6859% | 916 |
| Loan loss allowance to noncurrent loans | 133.4737% | 2,884 |
| Noncurrent assets plus other real estate owned to assets | 0.6329% | 1,839 |
| Noncurrent loans to loans | 1.2631% | 1,181 |
| Net loans and leases to total assets | 48.3478% | 4,198 |
| Net loans and leases to deposits | 53.9303% | 4,338 |
| Net loans and leases to core deposits | 54.6703% | 4,423 |
| Total domestic deposits to total assets | 89.6486% | 536 |
| Equity capital to assets | 9.7878% | 3,440 |
| Core capital (leverage) ratio | 9.3183% | 3,430 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $71,630,750 | 4,368 |
| Average earning assets | $66,805,500 | 4,349 |
| Average equity | $7,084,250 | 4,534 |
| Average total loans | $35,838,000 | 4,419 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6001% | 4,263 |
| Cost of funding earning assets | 0.2206% | 4,704 |
| Net interest margin | 3.3795% | 3,160 |
| Noninterest income to average assets | 0.0714% | 4,861 |
| Noninterest expense to average assets | 2.5908% | 2,690 |
| Loan and lease loss provision to assets | 0.0857% | 3,208 |
| Net operating income to assets | 0.4942% | 4,038 |
| Return on assets (ROA) | 0.4942% | 4,109 |
| Pretax return on assets | 0.5456% | 4,171 |
| Return on Equity (ROE) | 4.9779% | 3,834 |
| Retained earnings to average equity (ytd only) | 4.9779% | 2,483 |
| Net charge-offs to loans | 0.2497% | 631 |
| Credit loss provision to net charge-offs | 68.1818% | 2,560 |
| Earnings coverage of net charge-offs (x) | 5.0227% | 2,548 |
| Efficiency ratio | 80.4078% | 864 |
| Assets per employee ($millions) | 4.2647% | 4,042 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7265% | 776 |
| Loan loss allowance to noncurrent loans | 127.8926% | 2,864 |
| Noncurrent assets plus other real estate owned to assets | 1.2428% | 860 |
| Noncurrent loans to loans | 1.3500% | 1,140 |
| Net loans and leases to total assets | 48.5972% | 4,229 |
| Net loans and leases to deposits | 54.4341% | 4,363 |
| Net loans and leases to core deposits | 55.2250% | 4,457 |
| Total domestic deposits to total assets | 89.2772% | 651 |
| Equity capital to assets | 10.1545% | 3,064 |
| Core capital (leverage) ratio | 9.5907% | 3,255 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $70,016,667 | 4,399 |
| Average earning assets | $65,275,333 | 4,386 |
| Average equity | $6,950,667 | 4,572 |
| Average total loans | $35,248,333 | 4,446 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7468% | 4,304 |
| Cost of funding earning assets | 0.2419% | 4,787 |
| Net interest margin | 3.5049% | 2,961 |
| Noninterest income to average assets | 0.1163% | 4,768 |
| Noninterest expense to average assets | 2.8615% | 2,237 |
| Loan and lease loss provision to assets | 0.0872% | 2,600 |
| Net operating income to assets | 0.4071% | 4,120 |
| Return on assets (ROA) | 0.4071% | 4,158 |
| Pretax return on assets | 0.4537% | 4,202 |
| Return on Equity (ROE) | 4.1512% | 3,910 |
| Retained earnings to average equity (ytd only) | 4.1512% | 2,625 |
| Net charge-offs to loans | 0.4807% | 304 |
| Credit loss provision to net charge-offs | 35.7143% | 2,119 |
| Earnings coverage of net charge-offs (x) | 2.2143% | 2,308 |
| Efficiency ratio | 84.1026% | 827 |
| Assets per employee ($millions) | 4.0018% | 3,916 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7436% | 799 |
| Loan loss allowance to noncurrent loans | 123.9264% | 2,905 |
| Noncurrent assets plus other real estate owned to assets | 1.4097% | 792 |
| Noncurrent loans to loans | 1.4070% | 1,129 |
| Net loans and leases to total assets | 50.1984% | 4,234 |
| Net loans and leases to deposits | 55.9809% | 4,366 |
| Net loans and leases to core deposits | 56.8428% | 4,470 |
| Total domestic deposits to total assets | 89.6707% | 425 |
| Equity capital to assets | 9.9250% | 3,859 |
| Core capital (leverage) ratio | 9.1663% | 4,306 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.3983% | 422 |
| Memoranda: | ||
| Average total assets | $68,775,000 | 4,431 |
| Average earning assets | $64,482,000 | 4,410 |
| Average equity | $6,745,000 | 4,630 |
| Average total loans | $34,946,500 | 4,474 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6803% | 4,697 |
| Cost of funding earning assets | 0.2571% | 4,834 |
| Net interest margin | 3.4232% | 3,671 |
| Noninterest income to average assets | 0.1636% | 4,672 |
| Noninterest expense to average assets | 2.7505% | 2,751 |
| Loan and lease loss provision to assets | 0.3145% | 512 |
| Net operating income to assets | 0.2990% | 4,748 |
| Return on assets (ROA) | 0.2990% | 4,782 |
| Pretax return on assets | 0.3103% | 4,810 |
| Return on Equity (ROE) | 3.1918% | 4,631 |
| Retained earnings to average equity (ytd only) | 0.9335% | 4,404 |
| Net charge-offs to loans | 0.5459% | 337 |
| Credit loss provision to net charge-offs | 115.5440% | 2,181 |
| Earnings coverage of net charge-offs (x) | 2.2953% | 3,433 |
| Efficiency ratio | 81.4877% | 832 |
| Assets per employee ($millions) | 4.3450% | 3,445 |
| Cash dividends to net income (ytd only)* | 70.7547% | 1,104 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8015% | 655 |
| Loan loss allowance to noncurrent loans | 100.6359% | 3,284 |
| Noncurrent assets plus other real estate owned to assets | 1.5808% | 622 |
| Noncurrent loans to loans | 1.7901% | 753 |
| Net loans and leases to total assets | 49.6318% | 4,342 |
| Net loans and leases to deposits | 55.2426% | 4,492 |
| Net loans and leases to core deposits | 56.0731% | 4,578 |
| Total domestic deposits to total assets | 89.8432% | 373 |
| Equity capital to assets | 9.6922% | 4,186 |
| Core capital (leverage) ratio | 9.3034% | 4,276 |
| Tier 1 risk-based capital ratio | 23.4142% | 876 |
| Total risk-based capital ratio | 24.6771% | 860 |
| Memoranda: | ||
| Average total assets | $70,896,800 | 4,417 |
| Average earning assets | $66,516,000 | 4,397 |
| Average equity | $6,642,000 | 4,676 |
| Average total loans | $35,356,800 | 4,522 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7124% | 4,772 |
| Cost of funding earning assets | 0.2575% | 4,907 |
| Net interest margin | 3.4549% | 3,717 |
| Noninterest income to average assets | 0.1741% | 4,673 |
| Noninterest expense to average assets | 2.5640% | 3,264 |
| Loan and lease loss provision to assets | 0.1591% | 1,182 |
| Net operating income to assets | 0.5970% | 4,298 |
| Return on assets (ROA) | 0.5970% | 4,350 |
| Pretax return on assets | 0.6906% | 4,366 |
| Return on Equity (ROE) | 6.4267% | 3,911 |
| Retained earnings to average equity (ytd only) | 6.4267% | 2,157 |
| Net charge-offs to loans | 0.0753% | 1,743 |
| Credit loss provision to net charge-offs | 425.0000% | 725 |
| Earnings coverage of net charge-offs (x) | 22.6967% | 1,859 |
| Efficiency ratio | 75.1096% | 1,436 |
| Assets per employee ($millions) | 4.3686% | 3,383 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9153% | 546 |
| Loan loss allowance to noncurrent loans | 291.2664% | 1,556 |
| Noncurrent assets plus other real estate owned to assets | 1.0659% | 1,240 |
| Noncurrent loans to loans | 0.6576% | 2,314 |
| Net loans and leases to total assets | 48.8691% | 4,485 |
| Net loans and leases to deposits | 54.5272% | 4,606 |
| Net loans and leases to core deposits | 55.3435% | 4,709 |
| Total domestic deposits to total assets | 89.6233% | 404 |
| Equity capital to assets | 10.0047% | 4,014 |
| Core capital (leverage) ratio | 9.8890% | 3,747 |
| Tier 1 risk-based capital ratio | 24.2233% | 826 |
| Total risk-based capital ratio | 25.4873% | 810 |
| Memoranda: | ||
| Average total assets | $71,241,000 | 4,463 |
| Average earning assets | $66,801,750 | 4,444 |
| Average equity | $6,618,000 | 4,738 |
| Average total loans | $35,411,750 | 4,580 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7682% | 4,751 |
| Cost of funding earning assets | 0.2639% | 4,918 |
| Net interest margin | 3.5044% | 3,581 |
| Noninterest income to average assets | 0.1674% | 4,748 |
| Noninterest expense to average assets | 2.5443% | 3,344 |
| Loan and lease loss provision to assets | 0.1534% | 1,190 |
| Net operating income to assets | 0.6556% | 4,148 |
| Return on assets (ROA) | 0.6556% | 4,198 |
| Pretax return on assets | 0.7672% | 4,177 |
| Return on Equity (ROE) | 7.2386% | 3,586 |
| Retained earnings to average equity (ytd only) | 7.2386% | 1,706 |
| Net charge-offs to loans | 0.1123% | 1,293 |
| Credit loss provision to net charge-offs | 275.0000% | 948 |
| Earnings coverage of net charge-offs (x) | 16.5000% | 1,927 |
| Efficiency ratio | 73.4300% | 1,711 |
| Assets per employee ($millions) | 4.1058% | 3,721 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7920% | 691 |
| Loan loss allowance to noncurrent loans | 286.9369% | 1,635 |
| Noncurrent assets plus other real estate owned to assets | 1.0573% | 1,293 |
| Noncurrent loans to loans | 0.6245% | 2,387 |
| Net loans and leases to total assets | 50.0158% | 4,470 |
| Net loans and leases to deposits | 55.6920% | 4,606 |
| Net loans and leases to core deposits | 58.4287% | 4,627 |
| Total domestic deposits to total assets | 89.8077% | 389 |
| Equity capital to assets | 9.8513% | 4,092 |
| Core capital (leverage) ratio | 9.3632% | 4,294 |
| Tier 1 risk-based capital ratio | 23.6005% | 887 |
| Total risk-based capital ratio | 24.8616% | 865 |
| Memoranda: | ||
| Average total assets | $71,689,000 | 4,492 |
| Average earning assets | $67,459,000 | 4,471 |
| Average equity | $6,493,000 | 4,782 |
| Average total loans | $35,607,330 | 4,603 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6658% | 4,893 |
| Cost of funding earning assets | 0.2744% | 4,919 |
| Net interest margin | 3.3915% | 3,911 |
| Noninterest income to average assets | 0.1927% | 4,600 |
| Noninterest expense to average assets | 2.6874% | 2,947 |
| Loan and lease loss provision to assets | 0.1377% | 1,257 |
| Net operating income to assets | 0.5177% | 4,468 |
| Return on assets (ROA) | 0.5177% | 4,489 |
| Pretax return on assets | 0.5672% | 4,572 |
| Return on Equity (ROE) | 5.9668% | 4,028 |
| Retained earnings to average equity (ytd only) | 5.9668% | 2,466 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.2208% | 1,130 |
| Assets per employee ($millions) | 4.1417% | 3,708 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7667% | 751 |
| Loan loss allowance to noncurrent loans | 153.3007% | 2,637 |
| Noncurrent assets plus other real estate owned to assets | 0.6680% | 2,096 |
| Noncurrent loans to loans | 1.1525% | 1,450 |
| Net loans and leases to total assets | 46.7632% | 4,636 |
| Net loans and leases to deposits | 51.3190% | 4,773 |
| Net loans and leases to core deposits | 53.6330% | 4,797 |
| Total domestic deposits to total assets | 91.1227% | 147 |
| Equity capital to assets | 8.6144% | 4,918 |
| Core capital (leverage) ratio | 8.7190% | 4,853 |
| Tier 1 risk-based capital ratio | 23.4225% | 894 |
| Total risk-based capital ratio | 24.6831% | 867 |
| Memoranda: | ||
| Average total assets | $72,634,500 | 4,526 |
| Average earning assets | $68,525,000 | 4,504 |
| Average equity | $6,301,500 | 4,846 |
| Average total loans | $35,637,500 | 4,646 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5450% | 4,863 |
| Cost of funding earning assets | 0.2593% | 4,761 |
| Net interest margin | 3.2857% | 4,291 |
| Noninterest income to average assets | 0.1347% | 5,031 |
| Noninterest expense to average assets | 2.5730% | 3,409 |
| Loan and lease loss provision to assets | 0.1739% | 1,144 |
| Net operating income to assets | 0.4679% | 4,730 |
| Return on assets (ROA) | 0.4679% | 4,729 |
| Pretax return on assets | 0.4535% | 4,870 |
| Return on Equity (ROE) | 5.3413% | 4,370 |
| Retained earnings to average equity (ytd only) | 2.8608% | 3,971 |
| Net charge-offs to loans | 0.1667% | 1,155 |
| Credit loss provision to net charge-offs | 210.5263% | 1,376 |
| Earnings coverage of net charge-offs (x) | 7.5965% | 2,977 |
| Efficiency ratio | 80.3984% | 925 |
| Assets per employee ($millions) | 4.4199% | 3,283 |
| Cash dividends to net income (ytd only)* | 46.4396% | 2,164 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6822% | 861 |
| Loan loss allowance to noncurrent loans | 140.9836% | 2,820 |
| Noncurrent assets plus other real estate owned to assets | 1.0294% | 1,326 |
| Noncurrent loans to loans | 1.1932% | 1,341 |
| Net loans and leases to total assets | 49.7518% | 4,540 |
| Net loans and leases to deposits | 54.7066% | 4,718 |
| Net loans and leases to core deposits | 57.3141% | 4,728 |
| Total domestic deposits to total assets | 90.9430% | 219 |
| Equity capital to assets | 8.7402% | 4,773 |
| Core capital (leverage) ratio | 9.1701% | 4,485 |
| Tier 1 risk-based capital ratio | 22.6685% | 946 |
| Total risk-based capital ratio | 23.9306% | 919 |
| Memoranda: | ||
| Average total assets | $69,024,800 | 4,597 |
| Average earning assets | $64,400,600 | 4,581 |
| Average equity | $6,047,200 | 4,888 |
| Average total loans | $34,184,000 | 4,713 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5958% | 4,813 |
| Cost of funding earning assets | 0.2548% | 4,760 |
| Net interest margin | 3.3411% | 4,181 |
| Noninterest income to average assets | 0.1224% | 5,126 |
| Noninterest expense to average assets | 2.5635% | 3,402 |
| Loan and lease loss provision to assets | 0.1944% | 909 |
| Net operating income to assets | 0.4878% | 4,782 |
| Return on assets (ROA) | 0.4878% | 4,789 |
| Pretax return on assets | 0.4742% | 4,935 |
| Return on Equity (ROE) | 5.5649% | 4,397 |
| Retained earnings to average equity (ytd only) | 5.5649% | 2,918 |
| Net charge-offs to loans | 0.2289% | 745 |
| Credit loss provision to net charge-offs | 172.4138% | 1,550 |
| Earnings coverage of net charge-offs (x) | 5.9312% | 2,931 |
| Efficiency ratio | 79.3145% | 1,012 |
| Assets per employee ($millions) | 4.6562% | 2,904 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6369% | 995 |
| Loan loss allowance to noncurrent loans | 134.8028% | 2,947 |
| Noncurrent assets plus other real estate owned to assets | 1.0753% | 1,345 |
| Noncurrent loans to loans | 1.2143% | 1,390 |
| Net loans and leases to total assets | 49.9878% | 4,598 |
| Net loans and leases to deposits | 54.8972% | 4,791 |
| Net loans and leases to core deposits | 57.5400% | 4,808 |
| Total domestic deposits to total assets | 91.0571% | 204 |
| Equity capital to assets | 8.5549% | 4,890 |
| Core capital (leverage) ratio | 9.5387% | 4,129 |
| Tier 1 risk-based capital ratio | 22.8870% | 948 |
| Total risk-based capital ratio | 24.1461% | 920 |
| Memoranda: | ||
| Average total assets | $68,601,250 | 4,649 |
| Average earning assets | $63,850,000 | 4,640 |
| Average equity | $6,013,750 | 4,945 |
| Average total loans | $33,783,500 | 4,773 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5967% | 4,773 |
| Cost of funding earning assets | 0.2553% | 4,726 |
| Net interest margin | 3.3414% | 4,132 |
| Noninterest income to average assets | 0.0880% | 5,304 |
| Noninterest expense to average assets | 2.4873% | 3,662 |
| Loan and lease loss provision to assets | 0.2053% | 828 |
| Net operating income to assets | 0.5280% | 4,683 |
| Return on assets (ROA) | 0.5280% | 4,690 |
| Pretax return on assets | 0.5045% | 4,896 |
| Return on Equity (ROE) | 5.9734% | 4,253 |
| Retained earnings to average equity (ytd only) | 5.9734% | 2,578 |
| Net charge-offs to loans | 0.3553% | 446 |
| Credit loss provision to net charge-offs | 118.6441% | 1,809 |
| Earnings coverage of net charge-offs (x) | 4.1017% | 2,821 |
| Efficiency ratio | 77.7982% | 1,219 |
| Assets per employee ($millions) | 4.2698% | 3,472 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6485% | 995 |
| Loan loss allowance to noncurrent loans | 133.4951% | 2,958 |
| Noncurrent assets plus other real estate owned to assets | 1.0920% | 1,353 |
| Noncurrent loans to loans | 1.2349% | 1,402 |
| Net loans and leases to total assets | 48.0320% | 4,718 |
| Net loans and leases to deposits | 52.8678% | 4,881 |
| Net loans and leases to core deposits | 53.6606% | 4,945 |
| Total domestic deposits to total assets | 90.8529% | 289 |
| Equity capital to assets | 8.7723% | 4,741 |
| Core capital (leverage) ratio | 9.5374% | 4,075 |
| Tier 1 risk-based capital ratio | 23.4550% | 892 |
| Total risk-based capital ratio | 24.7126% | 865 |
| Memoranda: | ||
| Average total assets | $68,187,330 | 4,707 |
| Average earning assets | $63,446,330 | 4,701 |
| Average equity | $6,026,670 | 4,998 |
| Average total loans | $33,213,330 | 4,832 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6223% | 4,655 |
| Cost of funding earning assets | 0.2650% | 4,618 |
| Net interest margin | 3.3573% | 4,029 |
| Noninterest income to average assets | 0.1409% | 5,165 |
| Noninterest expense to average assets | 2.5777% | 3,405 |
| Loan and lease loss provision to assets | 0.0881% | 2,041 |
| Net operating income to assets | 0.5285% | 4,629 |
| Return on assets (ROA) | 0.5285% | 4,633 |
| Pretax return on assets | 0.5989% | 4,686 |
| Return on Equity (ROE) | 5.9568% | 4,172 |
| Retained earnings to average equity (ytd only) | 5.9568% | 2,727 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.9568% | 1,260 |
| Assets per employee ($millions) | 4.0086% | 3,967 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6776% | 1,000 |
| Loan loss allowance to noncurrent loans | 122.0264% | 3,103 |
| Noncurrent assets plus other real estate owned to assets | 1.2297% | 1,226 |
| Noncurrent loans to loans | 1.3748% | 1,306 |
| Net loans and leases to total assets | 47.6455% | 4,710 |
| Net loans and leases to deposits | 52.4260% | 4,866 |
| Net loans and leases to core deposits | 53.2130% | 4,942 |
| Total domestic deposits to total assets | 90.8815% | 356 |
| Equity capital to assets | 8.7370% | 4,798 |
| Core capital (leverage) ratio | 9.4165% | 4,166 |
| Tier 1 risk-based capital ratio | 23.0944% | 935 |
| Total risk-based capital ratio | 24.3534% | 908 |
| Memoranda: | ||
| Average total assets | $68,122,500 | 4,770 |
| Average earning assets | $63,385,000 | 4,764 |
| Average equity | $6,043,500 | 5,050 |
| Average total loans | $33,138,000 | 4,887 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5281% | 4,741 |
| Cost of funding earning assets | 0.2619% | 4,466 |
| Net interest margin | 3.2662% | 4,265 |
| Noninterest income to average assets | 0.1557% | 5,183 |
| Noninterest expense to average assets | 2.4482% | 3,943 |
| Loan and lease loss provision to assets | 0.0898% | 2,394 |
| Net operating income to assets | 0.4807% | 4,424 |
| Return on assets (ROA) | 0.4807% | 4,461 |
| Pretax return on assets | 0.6618% | 4,600 |
| Return on Equity (ROE) | 5.2129% | 4,080 |
| Retained earnings to average equity (ytd only) | 2.7770% | 3,645 |
| Net charge-offs to loans | 0.4537% | 527 |
| Credit loss provision to net charge-offs | 40.0000% | 3,440 |
| Earnings coverage of net charge-offs (x) | 3.3467% | 3,620 |
| Efficiency ratio | 76.5091% | 1,553 |
| Assets per employee ($millions) | 4.5399% | 3,129 |
| Cash dividends to net income (ytd only)* | 46.7290% | 2,487 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6209% | 1,097 |
| Loan loss allowance to noncurrent loans | 117.6856% | 3,237 |
| Noncurrent assets plus other real estate owned to assets | 1.1528% | 1,293 |
| Noncurrent loans to loans | 1.3773% | 1,251 |
| Net loans and leases to total assets | 48.0396% | 4,765 |
| Net loans and leases to deposits | 53.0744% | 4,930 |
| Net loans and leases to core deposits | 53.8741% | 5,008 |
| Total domestic deposits to total assets | 90.5137% | 393 |
| Equity capital to assets | 9.0061% | 4,718 |
| Core capital (leverage) ratio | 9.1888% | 4,408 |
| Tier 1 risk-based capital ratio | 22.7343% | 942 |
| Total risk-based capital ratio | 23.9915% | 922 |
| Memoranda: | ||
| Average total assets | $66,783,400 | 4,829 |
| Average earning assets | $62,243,400 | 4,813 |
| Average equity | $6,157,800 | 5,080 |
| Average total loans | $33,062,200 | 4,921 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5121% | 4,787 |
| Cost of funding earning assets | 0.2602% | 4,477 |
| Net interest margin | 3.2518% | 4,322 |
| Noninterest income to average assets | 0.1625% | 5,205 |
| Noninterest expense to average assets | 2.5179% | 3,670 |
| Loan and lease loss provision to assets | 0.0903% | 2,266 |
| Net operating income to assets | 0.5156% | 4,688 |
| Return on assets (ROA) | 0.5156% | 4,718 |
| Pretax return on assets | 0.5879% | 4,869 |
| Return on Equity (ROE) | 5.5591% | 4,292 |
| Retained earnings to average equity (ytd only) | 5.5591% | 2,500 |
| Net charge-offs to loans | 0.2706% | 802 |
| Credit loss provision to net charge-offs | 67.1642% | 2,722 |
| Earnings coverage of net charge-offs (x) | 5.0449% | 3,160 |
| Efficiency ratio | 78.7822% | 1,236 |
| Assets per employee ($millions) | 4.3880% | 3,330 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8426% | 785 |
| Loan loss allowance to noncurrent loans | 86.2216% | 3,782 |
| Noncurrent assets plus other real estate owned to assets | 1.3389% | 1,191 |
| Noncurrent loans to loans | 2.1371% | 769 |
| Net loans and leases to total assets | 46.0560% | 4,935 |
| Net loans and leases to deposits | 50.8740% | 5,096 |
| Net loans and leases to core deposits | 51.6163% | 5,148 |
| Total domestic deposits to total assets | 90.5296% | 316 |
| Equity capital to assets | 9.0559% | 4,868 |
| Core capital (leverage) ratio | 9.5885% | 4,045 |
| Tier 1 risk-based capital ratio | 23.1835% | 931 |
| Total risk-based capital ratio | 24.4448% | 912 |
| Memoranda: | ||
| Average total assets | $66,454,750 | 4,891 |
| Average earning assets | $61,994,500 | 4,868 |
| Average equity | $6,164,000 | 5,135 |
| Average total loans | $33,014,500 | 4,971 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5567% | 4,616 |
| Cost of funding earning assets | 0.2686% | 4,383 |
| Net interest margin | 3.2881% | 4,147 |
| Noninterest income to average assets | 0.1442% | 5,338 |
| Noninterest expense to average assets | 2.5244% | 3,676 |
| Loan and lease loss provision to assets | 0.0920% | 2,150 |
| Net operating income to assets | 0.5245% | 4,634 |
| Return on assets (ROA) | 0.5245% | 4,664 |
| Pretax return on assets | 0.6073% | 4,787 |
| Return on Equity (ROE) | 5.6072% | 4,223 |
| Retained earnings to average equity (ytd only) | 5.6072% | 2,346 |
| Net charge-offs to loans | 0.4116% | 492 |
| Credit loss provision to net charge-offs | 44.1176% | 2,610 |
| Earnings coverage of net charge-offs (x) | 3.3529% | 3,056 |
| Efficiency ratio | 78.3064% | 1,419 |
| Assets per employee ($millions) | 4.1513% | 3,714 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7986% | 889 |
| Loan loss allowance to noncurrent loans | 87.2969% | 3,798 |
| Noncurrent assets plus other real estate owned to assets | 1.3429% | 1,202 |
| Noncurrent loans to loans | 2.0604% | 811 |
| Net loans and leases to total assets | 48.5795% | 4,787 |
| Net loans and leases to deposits | 53.9347% | 4,968 |
| Net loans and leases to core deposits | 54.7706% | 5,054 |
| Total domestic deposits to total assets | 90.0709% | 512 |
| Equity capital to assets | 9.4880% | 4,411 |
| Core capital (leverage) ratio | 9.5812% | 4,040 |
| Tier 1 risk-based capital ratio | 23.1977% | 924 |
| Total risk-based capital ratio | 24.4582% | 914 |
| Memoranda: | ||
| Average total assets | $65,203,670 | 4,947 |
| Average earning assets | $61,068,000 | 4,922 |
| Average equity | $6,099,330 | 5,175 |
| Average total loans | $33,038,670 | 5,007 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5845% | 4,455 |
| Cost of funding earning assets | 0.2767% | 4,284 |
| Net interest margin | 3.3078% | 3,981 |
| Noninterest income to average assets | 0.1424% | 5,397 |
| Noninterest expense to average assets | 2.6627% | 3,272 |
| Loan and lease loss provision to assets | 0.0929% | 1,990 |
| Net operating income to assets | 0.4335% | 4,846 |
| Return on assets (ROA) | 0.4335% | 4,866 |
| Pretax return on assets | 0.4954% | 4,977 |
| Return on Equity (ROE) | 4.6682% | 4,531 |
| Retained earnings to average equity (ytd only) | 4.6682% | 3,078 |
| Net charge-offs to loans | -0.0121% | 4,503 |
| Credit loss provision to net charge-offs | -1,500.0000% | 4,497 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.9048% | 1,172 |
| Assets per employee ($millions) | 4.1069% | 3,827 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9383% | 746 |
| Loan loss allowance to noncurrent loans | 58.6364% | 4,463 |
| Noncurrent assets plus other real estate owned to assets | 1.6740% | 902 |
| Noncurrent loans to loans | 3.3057% | 381 |
| Net loans and leases to total assets | 49.6584% | 4,697 |
| Net loans and leases to deposits | 54.9353% | 4,886 |
| Net loans and leases to core deposits | 55.7919% | 4,986 |
| Total domestic deposits to total assets | 90.3943% | 511 |
| Equity capital to assets | 9.2192% | 4,598 |
| Core capital (leverage) ratio | 9.1007% | 4,618 |
| Tier 1 risk-based capital ratio | 22.6175% | 1,021 |
| Total risk-based capital ratio | 23.8814% | 995 |
| Memoranda: | ||
| Average total assets | $64,595,000 | 5,019 |
| Average earning assets | $60,705,500 | 4,980 |
| Average equity | $5,998,000 | 5,240 |
| Average total loans | $33,129,000 | 5,051 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6438% | 4,392 |
| Cost of funding earning assets | 0.2665% | 4,402 |
| Net interest margin | 3.3773% | 3,902 |
| Noninterest income to average assets | 0.1916% | 5,258 |
| Noninterest expense to average assets | 2.5915% | 3,697 |
| Loan and lease loss provision to assets | 0.0950% | 2,466 |
| Net operating income to assets | 0.5572% | 4,404 |
| Return on assets (ROA) | 0.5572% | 4,509 |
| Pretax return on assets | 0.6554% | 4,636 |
| Return on Equity (ROE) | 5.7483% | 4,095 |
| Retained earnings to average equity (ytd only) | 3.2987% | 3,572 |
| Net charge-offs to loans | 0.1584% | 1,690 |
| Credit loss provision to net charge-offs | 115.3846% | 2,278 |
| Earnings coverage of net charge-offs (x) | 9.1154% | 2,782 |
| Efficiency ratio | 77.5462% | 1,763 |
| Assets per employee ($millions) | 3.9674% | 4,027 |
| Cash dividends to net income (ytd only)* | 42.6136% | 2,739 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9071% | 793 |
| Loan loss allowance to noncurrent loans | 69.9666% | 4,222 |
| Noncurrent assets plus other real estate owned to assets | 1.4162% | 1,206 |
| Noncurrent loans to loans | 2.7257% | 546 |
| Net loans and leases to total assets | 50.9665% | 4,694 |
| Net loans and leases to deposits | 56.5345% | 4,883 |
| Net loans and leases to core deposits | 57.4490% | 4,997 |
| Total domestic deposits to total assets | 90.1511% | 581 |
| Equity capital to assets | 9.3543% | 4,420 |
| Core capital (leverage) ratio | 9.6082% | 3,955 |
| Tier 1 risk-based capital ratio | 22.8683% | 977 |
| Total risk-based capital ratio | 24.1328% | 964 |
| Memoranda: | ||
| Average total assets | $63,168,000 | 5,070 |
| Average earning assets | $58,922,400 | 5,049 |
| Average equity | $6,123,600 | 5,258 |
| Average total loans | $32,821,000 | 5,102 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6672% | 4,353 |
| Cost of funding earning assets | 0.2657% | 4,437 |
| Net interest margin | 3.4015% | 3,832 |
| Noninterest income to average assets | 0.1987% | 5,273 |
| Noninterest expense to average assets | 2.6480% | 3,505 |
| Loan and lease loss provision to assets | 0.0951% | 2,324 |
| Net operating income to assets | 0.5537% | 4,483 |
| Return on assets (ROA) | 0.5537% | 4,590 |
| Pretax return on assets | 0.6213% | 4,822 |
| Return on Equity (ROE) | 5.6616% | 4,234 |
| Retained earnings to average equity (ytd only) | 5.6616% | 2,388 |
| Net charge-offs to loans | 0.2034% | 1,150 |
| Credit loss provision to net charge-offs | 90.0000% | 2,525 |
| Earnings coverage of net charge-offs (x) | 6.7795% | 2,966 |
| Efficiency ratio | 78.7060% | 1,593 |
| Assets per employee ($millions) | 4.0429% | 3,890 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8489% | 929 |
| Loan loss allowance to noncurrent loans | 75.6757% | 4,137 |
| Noncurrent assets plus other real estate owned to assets | 1.2584% | 1,552 |
| Noncurrent loans to loans | 2.4432% | 731 |
| Net loans and leases to total assets | 50.5527% | 4,780 |
| Net loans and leases to deposits | 56.2879% | 4,974 |
| Net loans and leases to core deposits | 57.1836% | 5,090 |
| Total domestic deposits to total assets | 89.8109% | 552 |
| Equity capital to assets | 9.7949% | 4,364 |
| Core capital (leverage) ratio | 9.6296% | 4,022 |
| Tier 1 risk-based capital ratio | 23.1510% | 991 |
| Total risk-based capital ratio | 24.4130% | 972 |
| Memoranda: | ||
| Average total assets | $63,090,250 | 5,118 |
| Average earning assets | $58,717,750 | 5,097 |
| Average equity | $6,170,000 | 5,304 |
| Average total loans | $32,780,750 | 5,157 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6917% | 4,323 |
| Cost of funding earning assets | 0.2742% | 4,399 |
| Net interest margin | 3.4175% | 3,820 |
| Noninterest income to average assets | 0.1630% | 5,504 |
| Noninterest expense to average assets | 2.6184% | 3,665 |
| Loan and lease loss provision to assets | 0.0959% | 2,238 |
| Net operating income to assets | 0.5819% | 4,342 |
| Return on assets (ROA) | 0.5819% | 4,466 |
| Pretax return on assets | 0.6362% | 4,802 |
| Return on Equity (ROE) | 5.9529% | 4,072 |
| Retained earnings to average equity (ytd only) | 5.9529% | 2,139 |
| Net charge-offs to loans | 0.0123% | 3,300 |
| Credit loss provision to net charge-offs | 1,500.0000% | 264 |
| Earnings coverage of net charge-offs (x) | 114.5000% | 511 |
| Efficiency ratio | 78.1489% | 1,760 |
| Assets per employee ($millions) | 3.9089% | 4,079 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9923% | 749 |
| Loan loss allowance to noncurrent loans | 70.4669% | 4,349 |
| Noncurrent assets plus other real estate owned to assets | 1.4726% | 1,316 |
| Noncurrent loans to loans | 2.8272% | 552 |
| Net loans and leases to total assets | 51.0489% | 4,762 |
| Net loans and leases to deposits | 57.0777% | 4,948 |
| Net loans and leases to core deposits | 58.0196% | 5,071 |
| Total domestic deposits to total assets | 89.4375% | 713 |
| Equity capital to assets | 10.1292% | 4,059 |
| Core capital (leverage) ratio | 9.7732% | 3,840 |
| Tier 1 risk-based capital ratio | 23.0822% | 1,004 |
| Total risk-based capital ratio | 24.3456% | 983 |
| Memoranda: | ||
| Average total assets | $62,558,000 | 5,186 |
| Average earning assets | $58,347,000 | 5,156 |
| Average equity | $6,114,670 | 5,363 |
| Average total loans | $32,602,000 | 5,215 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7258% | 4,228 |
| Cost of funding earning assets | 0.2877% | 4,300 |
| Net interest margin | 3.4381% | 3,724 |
| Noninterest income to average assets | 0.1470% | 5,605 |
| Noninterest expense to average assets | 2.6404% | 3,610 |
| Loan and lease loss provision to assets | 0.0959% | 2,092 |
| Net operating income to assets | 0.5882% | 4,236 |
| Return on assets (ROA) | 0.5882% | 4,352 |
| Pretax return on assets | 0.6201% | 4,757 |
| Return on Equity (ROE) | 6.1287% | 3,920 |
| Retained earnings to average equity (ytd only) | 6.1287% | 2,314 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.6667% | 1,807 |
| Assets per employee ($millions) | 3.9579% | 4,025 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9579% | 882 |
| Loan loss allowance to noncurrent loans | 67.8762% | 4,380 |
| Noncurrent assets plus other real estate owned to assets | 1.4796% | 1,389 |
| Noncurrent loans to loans | 2.8845% | 585 |
| Net loans and leases to total assets | 50.2913% | 4,780 |
| Net loans and leases to deposits | 55.8766% | 4,996 |
| Net loans and leases to core deposits | 56.7802% | 5,098 |
| Total domestic deposits to total assets | 90.0043% | 596 |
| Equity capital to assets | 9.6452% | 4,508 |
| Core capital (leverage) ratio | 9.1315% | 4,690 |
| Tier 1 risk-based capital ratio | 22.4521% | 1,096 |
| Total risk-based capital ratio | 23.7144% | 1,068 |
| Memoranda: | ||
| Average total assets | $62,566,000 | 5,232 |
| Average earning assets | $58,404,000 | 5,203 |
| Average equity | $6,004,500 | 5,421 |
| Average total loans | $32,615,000 | 5,250 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7745% | 4,120 |
| Cost of funding earning assets | 0.2770% | 4,511 |
| Net interest margin | 3.4975% | 3,531 |
| Noninterest income to average assets | 0.2098% | 5,340 |
| Noninterest expense to average assets | 2.6924% | 3,605 |
| Loan and lease loss provision to assets | 0.0671% | 2,949 |
| Net operating income to assets | 0.5875% | 4,339 |
| Return on assets (ROA) | 0.5875% | 4,433 |
| Pretax return on assets | 0.6714% | 4,611 |
| Return on Equity (ROE) | 6.0144% | 4,024 |
| Retained earnings to average equity (ytd only) | 3.4368% | 3,611 |
| Net charge-offs to loans | 0.0576% | 3,068 |
| Credit loss provision to net charge-offs | 222.2222% | 1,275 |
| Earnings coverage of net charge-offs (x) | 24.4444% | 1,674 |
| Efficiency ratio | 78.4736% | 1,893 |
| Assets per employee ($millions) | 4.1203% | 3,720 |
| Cash dividends to net income (ytd only)* | 42.8571% | 2,708 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8964% | 964 |
| Loan loss allowance to noncurrent loans | 71.1340% | 4,356 |
| Noncurrent assets plus other real estate owned to assets | 1.4125% | 1,482 |
| Noncurrent loans to loans | 2.6660% | 663 |
| Net loans and leases to total assets | 51.9780% | 4,696 |
| Net loans and leases to deposits | 57.7487% | 4,928 |
| Net loans and leases to core deposits | 58.7047% | 5,066 |
| Total domestic deposits to total assets | 90.0073% | 632 |
| Equity capital to assets | 9.5478% | 4,494 |
| Core capital (leverage) ratio | 9.5128% | 4,154 |
| Tier 1 risk-based capital ratio | 22.2623% | 1,112 |
| Total risk-based capital ratio | 23.5259% | 1,090 |
| Memoranda: | ||
| Average total assets | $59,575,600 | 5,330 |
| Average earning assets | $54,868,000 | 5,324 |
| Average equity | $5,819,400 | 5,477 |
| Average total loans | $31,258,400 | 5,315 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7835% | 4,145 |
| Cost of funding earning assets | 0.2685% | 4,682 |
| Net interest margin | 3.5150% | 3,482 |
| Noninterest income to average assets | 0.2169% | 5,360 |
| Noninterest expense to average assets | 2.7516% | 3,379 |
| Loan and lease loss provision to assets | 0.0791% | 2,591 |
| Net operating income to assets | 0.5377% | 4,640 |
| Return on assets (ROA) | 0.5377% | 4,740 |
| Pretax return on assets | 0.6100% | 4,953 |
| Return on Equity (ROE) | 5.4722% | 4,418 |
| Retained earnings to average equity (ytd only) | 5.4722% | 2,594 |
| Net charge-offs to loans | 0.0734% | 2,510 |
| Credit loss provision to net charge-offs | 205.8824% | 1,308 |
| Earnings coverage of net charge-offs (x) | 17.9382% | 2,028 |
| Efficiency ratio | 79.9737% | 1,656 |
| Assets per employee ($millions) | 3.8527% | 4,171 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9574% | 980 |
| Loan loss allowance to noncurrent loans | 70.6758% | 4,404 |
| Noncurrent assets plus other real estate owned to assets | 1.4162% | 1,619 |
| Noncurrent loans to loans | 2.7695% | 681 |
| Net loans and leases to total assets | 50.1355% | 4,921 |
| Net loans and leases to deposits | 55.7771% | 5,137 |
| Net loans and leases to core deposits | 56.7033% | 5,268 |
| Total domestic deposits to total assets | 89.8853% | 622 |
| Equity capital to assets | 9.6345% | 4,595 |
| Core capital (leverage) ratio | 9.7557% | 3,958 |
| Tier 1 risk-based capital ratio | 23.0086% | 1,051 |
| Total risk-based capital ratio | 24.2712% | 1,033 |
| Memoranda: | ||
| Average total assets | $59,018,250 | 5,406 |
| Average earning assets | $54,128,000 | 5,406 |
| Average equity | $5,799,000 | 5,552 |
| Average total loans | $30,886,500 | 5,387 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8320% | 3,948 |
| Cost of funding earning assets | 0.2710% | 4,704 |
| Net interest margin | 3.5609% | 3,245 |
| Noninterest income to average assets | 0.1789% | 5,627 |
| Noninterest expense to average assets | 2.7037% | 3,584 |
| Loan and lease loss provision to assets | 0.1032% | 2,108 |
| Net operating income to assets | 0.5779% | 4,433 |
| Return on assets (ROA) | 0.5779% | 4,537 |
| Pretax return on assets | 0.6260% | 4,905 |
| Return on Equity (ROE) | 5.8411% | 4,211 |
| Retained earnings to average equity (ytd only) | 5.8411% | 2,336 |
| Net charge-offs to loans | 0.1108% | 1,892 |
| Credit loss provision to net charge-offs | 176.4706% | 1,364 |
| Earnings coverage of net charge-offs (x) | 12.4706% | 2,199 |
| Efficiency ratio | 78.7575% | 1,952 |
| Assets per employee ($millions) | 3.7640% | 4,305 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0046% | 978 |
| Loan loss allowance to noncurrent loans | 74.6341% | 4,353 |
| Noncurrent assets plus other real estate owned to assets | 1.3616% | 1,845 |
| Noncurrent loans to loans | 2.6859% | 804 |
| Net loans and leases to total assets | 49.6779% | 4,966 |
| Net loans and leases to deposits | 55.2502% | 5,174 |
| Net loans and leases to core deposits | 56.1883% | 5,299 |
| Total domestic deposits to total assets | 89.9143% | 698 |
| Equity capital to assets | 9.6025% | 4,530 |
| Core capital (leverage) ratio | 9.8620% | 3,785 |
| Tier 1 risk-based capital ratio | 23.0180% | 1,079 |
| Total risk-based capital ratio | 24.2807% | 1,054 |
| Memoranda: | ||
| Average total assets | $58,143,330 | 5,484 |
| Average earning assets | $53,132,000 | 5,485 |
| Average equity | $5,752,330 | 5,615 |
| Average total loans | $30,674,670 | 5,445 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9326% | 3,490 |
| Cost of funding earning assets | 0.2744% | 4,735 |
| Net interest margin | 3.6582% | 2,783 |
| Noninterest income to average assets | 0.1681% | 5,715 |
| Noninterest expense to average assets | 2.8790% | 2,973 |
| Loan and lease loss provision to assets | 0.1751% | 1,111 |
| Net operating income to assets | 0.4483% | 4,881 |
| Return on assets (ROA) | 0.4483% | 4,997 |
| Pretax return on assets | 0.4763% | 5,245 |
| Return on Equity (ROE) | 4.4623% | 4,775 |
| Retained earnings to average equity (ytd only) | 4.4623% | 3,342 |
| Net charge-offs to loans | 0.1041% | 1,694 |
| Credit loss provision to net charge-offs | 312.5000% | 787 |
| Earnings coverage of net charge-offs (x) | 11.6250% | 1,849 |
| Efficiency ratio | 81.5476% | 1,676 |
| Assets per employee ($millions) | 3.7402% | 4,442 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0089% | 1,058 |
| Loan loss allowance to noncurrent loans | 139.3665% | 2,951 |
| Noncurrent assets plus other real estate owned to assets | 0.7386% | 3,276 |
| Noncurrent loans to loans | 1.4415% | 1,981 |
| Net loans and leases to total assets | 50.2097% | 4,824 |
| Net loans and leases to deposits | 55.8713% | 5,059 |
| Net loans and leases to core deposits | 56.8254% | 5,197 |
| Total domestic deposits to total assets | 89.8668% | 803 |
| Equity capital to assets | 9.7021% | 4,508 |
| Core capital (leverage) ratio | 9.6679% | 4,055 |
| Tier 1 risk-based capital ratio | 23.1437% | 1,091 |
| Total risk-based capital ratio | 24.4079% | 1,065 |
| Memoranda: | ||
| Average total assets | $57,103,000 | 5,569 |
| Average earning assets | $52,484,500 | 5,548 |
| Average equity | $5,737,000 | 5,669 |
| Average total loans | $30,747,000 | 5,478 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1194% | 3,247 |
| Cost of funding earning assets | 0.2783% | 5,017 |
| Net interest margin | 3.8411% | 2,462 |
| Noninterest income to average assets | 0.2509% | 5,331 |
| Noninterest expense to average assets | 2.6263% | 4,127 |
| Loan and lease loss provision to assets | 0.2789% | 763 |
| Net operating income to assets | 0.6263% | 4,249 |
| Return on assets (ROA) | 0.6263% | 4,354 |
| Pretax return on assets | 0.7351% | 4,492 |
| Return on Equity (ROE) | 6.4301% | 3,940 |
| Retained earnings to average equity (ytd only) | 3.7284% | 3,561 |
| Net charge-offs to loans | 0.0618% | 3,608 |
| Credit loss provision to net charge-offs | 836.8421% | 325 |
| Earnings coverage of net charge-offs (x) | 30.4211% | 1,321 |
| Efficiency ratio | 72.1446% | 3,182 |
| Assets per employee ($millions) | 3.3968% | 5,069 |
| Cash dividends to net income (ytd only)* | 42.0168% | 2,741 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9428% | 1,217 |
| Loan loss allowance to noncurrent loans | 89.6707% | 3,968 |
| Noncurrent assets plus other real estate owned to assets | 1.2291% | 2,312 |
| Noncurrent loans to loans | 2.1667% | 1,242 |
| Net loans and leases to total assets | 55.6257% | 4,378 |
| Net loans and leases to deposits | 62.5196% | 4,678 |
| Net loans and leases to core deposits | 63.7080% | 4,856 |
| Total domestic deposits to total assets | 88.9731% | 1,257 |
| Equity capital to assets | 10.4657% | 3,526 |
| Core capital (leverage) ratio | 10.5254% | 2,916 |
| Tier 1 risk-based capital ratio | 22.7300% | 1,120 |
| Total risk-based capital ratio | 23.9925% | 1,101 |
| Memoranda: | ||
| Average total assets | $57,001,400 | 5,626 |
| Average earning assets | $50,298,200 | 5,667 |
| Average equity | $5,552,000 | 5,729 |
| Average total loans | $30,748,800 | 5,536 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1500% | 3,169 |
| Cost of funding earning assets | 0.2830% | 5,061 |
| Net interest margin | 3.8670% | 2,365 |
| Noninterest income to average assets | 0.2867% | 5,152 |
| Noninterest expense to average assets | 2.6058% | 4,183 |
| Loan and lease loss provision to assets | 0.2636% | 806 |
| Net operating income to assets | 0.6266% | 4,321 |
| Return on assets (ROA) | 0.6266% | 4,423 |
| Pretax return on assets | 0.7977% | 4,371 |
| Return on Equity (ROE) | 6.5480% | 3,938 |
| Retained earnings to average equity (ytd only) | 6.5480% | 2,070 |
| Net charge-offs to loans | 0.0347% | 3,796 |
| Credit loss provision to net charge-offs | 1,425.0000% | 249 |
| Earnings coverage of net charge-offs (x) | 57.3552% | 894 |
| Efficiency ratio | 71.0593% | 3,334 |
| Assets per employee ($millions) | 3.7209% | 4,450 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8513% | 1,571 |
| Loan loss allowance to noncurrent loans | 79.9151% | 4,195 |
| Noncurrent assets plus other real estate owned to assets | 1.2667% | 2,432 |
| Noncurrent loans to loans | 2.3166% | 1,292 |
| Net loans and leases to total assets | 53.6685% | 4,615 |
| Net loans and leases to deposits | 60.1100% | 4,929 |
| Net loans and leases to core deposits | 61.2168% | 5,099 |
| Total domestic deposits to total assets | 89.2839% | 1,086 |
| Equity capital to assets | 10.2485% | 3,863 |
| Core capital (leverage) ratio | 10.2981% | 3,300 |
| Tier 1 risk-based capital ratio | 22.9941% | 1,108 |
| Total risk-based capital ratio | 24.2572% | 1,088 |
| Memoranda: | ||
| Average total assets | $57,664,500 | 5,673 |
| Average earning assets | $50,408,000 | 5,721 |
| Average equity | $5,518,000 | 5,793 |
| Average total loans | $30,728,250 | 5,590 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0962% | 3,363 |
| Cost of funding earning assets | 0.2870% | 5,109 |
| Net interest margin | 3.8092% | 2,539 |
| Noninterest income to average assets | 0.2814% | 5,174 |
| Noninterest expense to average assets | 2.5531% | 4,402 |
| Loan and lease loss provision to assets | 0.2574% | 835 |
| Net operating income to assets | 0.6692% | 3,997 |
| Return on assets (ROA) | 0.6692% | 4,096 |
| Pretax return on assets | 0.7961% | 4,283 |
| Return on Equity (ROE) | 7.1551% | 3,547 |
| Retained earnings to average equity (ytd only) | 7.1551% | 1,690 |
| Net charge-offs to loans | 0.0520% | 3,225 |
| Credit loss provision to net charge-offs | 937.5000% | 350 |
| Earnings coverage of net charge-offs (x) | 38.3750% | 1,090 |
| Efficiency ratio | 70.7897% | 3,528 |
| Assets per employee ($millions) | 3.7735% | 4,308 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7101% | 2,102 |
| Loan loss allowance to noncurrent loans | 57.4863% | 4,900 |
| Noncurrent assets plus other real estate owned to assets | 1.6165% | 2,024 |
| Noncurrent loans to loans | 2.9748% | 982 |
| Net loans and leases to total assets | 53.4106% | 4,604 |
| Net loans and leases to deposits | 59.6010% | 4,898 |
| Net loans and leases to core deposits | 60.6764% | 5,089 |
| Total domestic deposits to total assets | 89.6136% | 1,009 |
| Equity capital to assets | 9.9111% | 4,235 |
| Core capital (leverage) ratio | 10.0860% | 3,491 |
| Tier 1 risk-based capital ratio | 22.3785% | 1,209 |
| Total risk-based capital ratio | 23.6398% | 1,185 |
| Memoranda: | ||
| Average total assets | $58,281,670 | 5,705 |
| Average earning assets | $50,877,000 | 5,758 |
| Average equity | $5,450,670 | 5,850 |
| Average total loans | $30,798,000 | 5,637 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9676% | 3,822 |
| Cost of funding earning assets | 0.2922% | 5,155 |
| Net interest margin | 3.6754% | 2,966 |
| Noninterest income to average assets | 0.2030% | 5,730 |
| Noninterest expense to average assets | 2.5913% | 4,302 |
| Loan and lease loss provision to assets | 0.2233% | 1,007 |
| Net operating income to assets | 0.5751% | 4,322 |
| Return on assets (ROA) | 0.5751% | 4,395 |
| Pretax return on assets | 0.6225% | 4,756 |
| Return on Equity (ROE) | 6.3303% | 3,838 |
| Retained earnings to average equity (ytd only) | 6.3303% | 2,362 |
| Net charge-offs to loans | 0.1038% | 2,138 |
| Credit loss provision to net charge-offs | 412.5000% | 639 |
| Earnings coverage of net charge-offs (x) | 15.6250% | 1,540 |
| Efficiency ratio | 75.3937% | 2,890 |
| Assets per employee ($millions) | 4.0082% | 3,934 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5565% | 2,891 |
| Loan loss allowance to noncurrent loans | 47.4510% | 5,294 |
| Noncurrent assets plus other real estate owned to assets | 1.7464% | 2,017 |
| Noncurrent loans to loans | 3.2803% | 933 |
| Net loans and leases to total assets | 50.9140% | 4,806 |
| Net loans and leases to deposits | 56.2495% | 5,096 |
| Net loans and leases to core deposits | 57.5416% | 5,234 |
| Total domestic deposits to total assets | 90.5144% | 791 |
| Equity capital to assets | 9.0315% | 5,087 |
| Core capital (leverage) ratio | 9.1858% | 4,736 |
| Tier 1 risk-based capital ratio | 21.1155% | 1,452 |
| Total risk-based capital ratio | 22.3742% | 1,428 |
| Memoranda: | ||
| Average total assets | $59,121,000 | 5,736 |
| Average earning assets | $52,022,000 | 5,789 |
| Average equity | $5,371,000 | 5,908 |
| Average total loans | $30,818,000 | 5,683 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2090% | 3,316 |
| Cost of funding earning assets | 0.3796% | 4,840 |
| Net interest margin | 3.8294% | 2,536 |
| Noninterest income to average assets | 0.2809% | 5,350 |
| Noninterest expense to average assets | 2.7914% | 3,755 |
| Loan and lease loss provision to assets | 0.1956% | 1,896 |
| Net operating income to assets | 0.6258% | 4,129 |
| Return on assets (ROA) | 0.6258% | 4,244 |
| Pretax return on assets | 0.7201% | 4,462 |
| Return on Equity (ROE) | 6.5844% | 3,781 |
| Retained earnings to average equity (ytd only) | 3.7785% | 3,512 |
| Net charge-offs to loans | 0.0099% | 5,251 |
| Credit loss provision to net charge-offs | 3,666.6667% | 58 |
| Earnings coverage of net charge-offs (x) | 171.6667% | 270 |
| Efficiency ratio | 75.2998% | 2,900 |
| Assets per employee ($millions) | 3.4188% | 5,043 |
| Cash dividends to net income (ytd only)* | 42.6136% | 2,674 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5029% | 3,174 |
| Loan loss allowance to noncurrent loans | 77.1429% | 4,267 |
| Noncurrent assets plus other real estate owned to assets | 1.0754% | 3,258 |
| Noncurrent loans to loans | 1.9482% | 2,047 |
| Net loans and leases to total assets | 51.7593% | 4,885 |
| Net loans and leases to deposits | 57.3931% | 5,175 |
| Net loans and leases to core deposits | 58.7619% | 5,324 |
| Total domestic deposits to total assets | 90.1839% | 983 |
| Equity capital to assets | 9.1399% | 4,881 |
| Core capital (leverage) ratio | 9.5909% | 4,126 |
| Tier 1 risk-based capital ratio | 22.2612% | 1,215 |
| Total risk-based capital ratio | 23.5202% | 1,188 |
| Memoranda: | ||
| Average total assets | $56,244,200 | 5,859 |
| Average earning assets | $50,321,200 | 5,875 |
| Average equity | $5,346,000 | 5,974 |
| Average total loans | $30,407,400 | 5,744 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2856% | 3,057 |
| Cost of funding earning assets | 0.4144% | 4,681 |
| Net interest margin | 3.8712% | 2,375 |
| Noninterest income to average assets | 0.3108% | 5,213 |
| Noninterest expense to average assets | 2.7084% | 3,990 |
| Loan and lease loss provision to assets | 0.2151% | 1,693 |
| Net operating income to assets | 0.7052% | 3,831 |
| Return on assets (ROA) | 0.7052% | 3,967 |
| Pretax return on assets | 0.8486% | 4,100 |
| Return on Equity (ROE) | 7.3456% | 3,463 |
| Retained earnings to average equity (ytd only) | 5.1544% | 2,967 |
| Net charge-offs to loans | 0.0132% | 4,874 |
| Credit loss provision to net charge-offs | 3,000.0000% | 112 |
| Earnings coverage of net charge-offs (x) | 148.3300% | 372 |
| Efficiency ratio | 71.7997% | 3,440 |
| Assets per employee ($millions) | 3.8051% | 4,229 |
| Cash dividends to net income (ytd only)* | 29.8307% | 2,702 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4508% | 3,686 |
| Loan loss allowance to noncurrent loans | 104.7733% | 3,378 |
| Noncurrent assets plus other real estate owned to assets | 0.8357% | 4,024 |
| Noncurrent loans to loans | 1.3847% | 3,098 |
| Net loans and leases to total assets | 52.2479% | 4,847 |
| Net loans and leases to deposits | 57.9735% | 5,196 |
| Net loans and leases to core deposits | 59.3807% | 5,346 |
| Total domestic deposits to total assets | 90.1237% | 926 |
| Equity capital to assets | 9.3051% | 4,800 |
| Core capital (leverage) ratio | 9.4569% | 4,465 |
| Tier 1 risk-based capital ratio | 19.8148% | 1,779 |
| Total risk-based capital ratio | 21.0672% | 1,745 |
| Memoranda: | ||
| Average total assets | $55,775,500 | 5,947 |
| Average earning assets | $49,871,500 | 5,957 |
| Average equity | $5,354,500 | 6,046 |
| Average total loans | $30,374,000 | 5,794 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3089% | 2,917 |
| Cost of funding earning assets | 0.4608% | 4,298 |
| Net interest margin | 3.8481% | 2,384 |
| Noninterest income to average assets | 0.3108% | 5,219 |
| Noninterest expense to average assets | 2.6887% | 4,072 |
| Loan and lease loss provision to assets | 0.2530% | 1,466 |
| Net operating income to assets | 0.7083% | 3,764 |
| Return on assets (ROA) | 0.7083% | 3,937 |
| Pretax return on assets | 0.8095% | 4,274 |
| Return on Equity (ROE) | 7.3012% | 3,443 |
| Retained earnings to average equity (ytd only) | 4.0231% | 3,736 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6763% | 3,522 |
| Assets per employee ($millions) | 3.6765% | 4,453 |
| Cash dividends to net income (ytd only)* | 44.8980% | 2,058 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3667% | 4,183 |
| Loan loss allowance to noncurrent loans | 99.0610% | 3,485 |
| Noncurrent assets plus other real estate owned to assets | 0.8908% | 4,011 |
| Noncurrent loans to loans | 1.3796% | 3,239 |
| Net loans and leases to total assets | 51.7748% | 4,890 |
| Net loans and leases to deposits | 57.1772% | 5,228 |
| Net loans and leases to core deposits | 58.5130% | 5,375 |
| Total domestic deposits to total assets | 90.5515% | 729 |
| Equity capital to assets | 8.9521% | 5,262 |
| Core capital (leverage) ratio | 9.4413% | 4,334 |
| Tier 1 risk-based capital ratio | 19.3003% | 1,909 |
| Total risk-based capital ratio | 20.5531% | 1,877 |
| Memoranda: | ||
| Average total assets | $55,342,000 | 5,987 |
| Average earning assets | $49,478,670 | 6,010 |
| Average equity | $5,369,000 | 6,089 |
| Average total loans | $30,412,000 | 5,829 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4336% | 2,410 |
| Cost of funding earning assets | 0.5387% | 3,689 |
| Net interest margin | 3.8949% | 2,135 |
| Noninterest income to average assets | 0.2313% | 5,801 |
| Noninterest expense to average assets | 2.7388% | 3,920 |
| Loan and lease loss provision to assets | 0.3358% | 999 |
| Net operating income to assets | 0.6194% | 4,125 |
| Return on assets (ROA) | 0.6194% | 4,284 |
| Pretax return on assets | 0.6642% | 4,729 |
| Return on Equity (ROE) | 6.1249% | 3,972 |
| Retained earnings to average equity (ytd only) | -0.3690% | 5,849 |
| Net charge-offs to loans | 0.0265% | 3,662 |
| Credit loss provision to net charge-offs | 2,250.0000% | 143 |
| Earnings coverage of net charge-offs (x) | 67.0000% | 535 |
| Efficiency ratio | 73.2535% | 3,403 |
| Assets per employee ($millions) | 3.3945% | 5,218 |
| Cash dividends to net income (ytd only)* | 106.0241% | 588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2976% | 4,711 |
| Loan loss allowance to noncurrent loans | 111.8980% | 3,049 |
| Noncurrent assets plus other real estate owned to assets | 1.0569% | 3,818 |
| Noncurrent loans to loans | 1.1597% | 3,839 |
| Net loans and leases to total assets | 55.3193% | 4,198 |
| Net loans and leases to deposits | 61.8273% | 4,571 |
| Net loans and leases to core deposits | 63.4115% | 4,799 |
| Total domestic deposits to total assets | 89.4738% | 1,370 |
| Equity capital to assets | 9.9426% | 4,223 |
| Core capital (leverage) ratio | 9.4082% | 4,224 |
| Tier 1 risk-based capital ratio | 21.2086% | 1,489 |
| Total risk-based capital ratio | 22.4628% | 1,464 |
| Memoranda: | ||
| Average total assets | $53,601,000 | 6,091 |
| Average earning assets | $48,268,000 | 6,090 |
| Average equity | $5,420,500 | 6,136 |
| Average total loans | $30,179,000 | 5,884 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6033% | 2,984 |
| Cost of funding earning assets | 0.7199% | 3,327 |
| Net interest margin | 3.8834% | 2,902 |
| Noninterest income to average assets | 0.2900% | 5,397 |
| Noninterest expense to average assets | 2.7062% | 4,379 |
| Loan and lease loss provision to assets | 0.3578% | 1,866 |
| Net operating income to assets | 0.5537% | 4,458 |
| Return on assets (ROA) | 0.5537% | 4,712 |
| Pretax return on assets | 0.5989% | 4,997 |
| Return on Equity (ROE) | 5.5036% | 4,427 |
| Retained earnings to average equity (ytd only) | 2.2089% | 4,683 |
| Net charge-offs to loans | 0.5492% | 2,089 |
| Credit loss provision to net charge-offs | 118.0124% | 2,437 |
| Earnings coverage of net charge-offs (x) | 3.1553% | 3,857 |
| Efficiency ratio | 73.8817% | 3,088 |
| Assets per employee ($millions) | 3.1112% | 5,821 |
| Cash dividends to net income (ytd only)* | 59.8639% | 1,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1765% | 5,229 |
| Loan loss allowance to noncurrent loans | 99.4350% | 3,337 |
| Noncurrent assets plus other real estate owned to assets | 1.0758% | 3,872 |
| Noncurrent loans to loans | 1.1832% | 3,879 |
| Net loans and leases to total assets | 55.9009% | 4,308 |
| Net loans and leases to deposits | 62.7915% | 4,685 |
| Net loans and leases to core deposits | 64.4490% | 4,912 |
| Total domestic deposits to total assets | 89.0263% | 1,549 |
| Equity capital to assets | 10.2874% | 3,774 |
| Core capital (leverage) ratio | 10.0829% | 3,294 |
| Tier 1 risk-based capital ratio | 22.2823% | 1,218 |
| Total risk-based capital ratio | 23.5736% | 1,183 |
| Memoranda: | ||
| Average total assets | $53,099,600 | 6,114 |
| Average earning assets | $46,119,200 | 6,176 |
| Average equity | $5,342,000 | 6,195 |
| Average total loans | $29,315,600 | 5,982 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6474% | 3,027 |
| Cost of funding earning assets | 0.7692% | 3,197 |
| Net interest margin | 3.8782% | 2,991 |
| Noninterest income to average assets | 0.3035% | 5,357 |
| Noninterest expense to average assets | 2.6816% | 4,446 |
| Loan and lease loss provision to assets | 0.3261% | 2,013 |
| Net operating income to assets | 0.5569% | 4,590 |
| Return on assets (ROA) | 0.5569% | 4,848 |
| Pretax return on assets | 0.6346% | 5,066 |
| Return on Equity (ROE) | 5.5666% | 4,561 |
| Retained earnings to average equity (ytd only) | 1.1534% | 5,712 |
| Net charge-offs to loans | 0.7360% | 1,502 |
| Credit loss provision to net charge-offs | 80.7453% | 3,596 |
| Earnings coverage of net charge-offs (x) | 2.3789% | 4,088 |
| Efficiency ratio | 73.6226% | 3,044 |
| Assets per employee ($millions) | 3.3643% | 5,296 |
| Cash dividends to net income (ytd only)* | 79.2797% | 668 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9764% | 6,170 |
| Loan loss allowance to noncurrent loans | 48.3444% | 5,216 |
| Noncurrent assets plus other real estate owned to assets | 1.4472% | 3,437 |
| Noncurrent loans to loans | 2.0197% | 2,824 |
| Net loans and leases to total assets | 55.0141% | 4,592 |
| Net loans and leases to deposits | 61.4722% | 5,030 |
| Net loans and leases to core deposits | 63.0533% | 5,256 |
| Total domestic deposits to total assets | 89.4943% | 1,130 |
| Equity capital to assets | 9.9446% | 4,578 |
| Core capital (leverage) ratio | 9.8278% | 3,781 |
| Tier 1 risk-based capital ratio | 21.8454% | 1,357 |
| Total risk-based capital ratio | 23.0619% | 1,337 |
| Memoranda: | ||
| Average total assets | $53,152,000 | 6,185 |
| Average earning assets | $45,759,000 | 6,261 |
| Average equity | $5,317,250 | 6,271 |
| Average total loans | $29,165,000 | 6,062 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7191% | 2,844 |
| Cost of funding earning assets | 0.8338% | 2,919 |
| Net interest margin | 3.8852% | 2,976 |
| Noninterest income to average assets | 0.2570% | 5,739 |
| Noninterest expense to average assets | 2.6187% | 4,715 |
| Loan and lease loss provision to assets | 0.2645% | 2,463 |
| Net operating income to assets | 0.5933% | 4,399 |
| Return on assets (ROA) | 0.5933% | 4,655 |
| Pretax return on assets | 0.6840% | 4,870 |
| Return on Equity (ROE) | 5.9186% | 4,362 |
| Retained earnings to average equity (ytd only) | 2.6012% | 4,883 |
| Net charge-offs to loans | 1.1135% | 977 |
| Credit loss provision to net charge-offs | 43.4783% | 4,182 |
| Earnings coverage of net charge-offs (x) | 1.5590% | 4,214 |
| Efficiency ratio | 73.4110% | 3,170 |
| Assets per employee ($millions) | 3.5640% | 4,831 |
| Cash dividends to net income (ytd only)* | 56.0510% | 1,511 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7973% | 6,674 |
| Loan loss allowance to noncurrent loans | 32.9545% | 6,020 |
| Noncurrent assets plus other real estate owned to assets | 1.5993% | 3,316 |
| Noncurrent loans to loans | 2.4193% | 2,484 |
| Net loans and leases to total assets | 53.9974% | 4,805 |
| Net loans and leases to deposits | 60.3483% | 5,215 |
| Net loans and leases to core deposits | 61.9078% | 5,399 |
| Total domestic deposits to total assets | 89.4762% | 1,234 |
| Equity capital to assets | 10.0131% | 4,314 |
| Core capital (leverage) ratio | 10.1075% | 3,262 |
| Tier 1 risk-based capital ratio | 22.2011% | 1,255 |
| Total risk-based capital ratio | 23.1791% | 1,285 |
| Memoranda: | ||
| Average total assets | $52,926,670 | 6,233 |
| Average earning assets | $45,093,670 | 6,312 |
| Average equity | $5,305,330 | 6,300 |
| Average total loans | $28,918,330 | 6,117 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7966% | 2,654 |
| Cost of funding earning assets | 0.9307% | 2,440 |
| Net interest margin | 3.8659% | 3,075 |
| Noninterest income to average assets | 0.2583% | 5,797 |
| Noninterest expense to average assets | 2.6358% | 4,681 |
| Loan and lease loss provision to assets | 0.2279% | 2,668 |
| Net operating income to assets | 0.5773% | 4,455 |
| Return on assets (ROA) | 0.5773% | 4,680 |
| Pretax return on assets | 0.6760% | 4,868 |
| Return on Equity (ROE) | 5.7559% | 4,425 |
| Retained earnings to average equity (ytd only) | -0.9088% | 6,140 |
| Net charge-offs to loans | 2.2339% | 398 |
| Credit loss provision to net charge-offs | 18.6335% | 3,798 |
| Earnings coverage of net charge-offs (x) | 0.7391% | 3,963 |
| Efficiency ratio | 74.4635% | 3,024 |
| Assets per employee ($millions) | 3.5002% | 5,115 |
| Cash dividends to net income (ytd only)* | 115.7895% | 437 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6687% | 6,913 |
| Loan loss allowance to noncurrent loans | 55.6522% | 4,755 |
| Noncurrent assets plus other real estate owned to assets | 0.8857% | 4,757 |
| Noncurrent loans to loans | 1.2016% | 4,327 |
| Net loans and leases to total assets | 50.9241% | 5,176 |
| Net loans and leases to deposits | 56.4040% | 5,558 |
| Net loans and leases to core deposits | 57.7776% | 5,729 |
| Total domestic deposits to total assets | 90.2844% | 924 |
| Equity capital to assets | 9.2995% | 5,095 |
| Core capital (leverage) ratio | 9.6662% | 3,821 |
| Tier 1 risk-based capital ratio | 21.2286% | 1,446 |
| Total risk-based capital ratio | 22.0155% | 1,503 |
| Memoranda: | ||
| Average total assets | $52,660,000 | 6,281 |
| Average earning assets | $44,698,000 | 6,374 |
| Average equity | $5,281,500 | 6,342 |
| Average total loans | $28,828,000 | 6,168 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7228% | 4,155 |
| Cost of funding earning assets | 0.8976% | 4,132 |
| Net interest margin | 3.8252% | 3,698 |
| Noninterest income to average assets | 0.3605% | 4,935 |
| Noninterest expense to average assets | 2.9745% | 3,687 |
| Loan and lease loss provision to assets | 0.2551% | 3,657 |
| Net operating income to assets | 0.5333% | 4,297 |
| Return on assets (ROA) | 0.5333% | 4,488 |
| Pretax return on assets | 0.5987% | 4,698 |
| Return on Equity (ROE) | 4.8270% | 4,468 |
| Retained earnings to average equity (ytd only) | 1.4691% | 5,163 |
| Net charge-offs to loans | 0.1764% | 4,738 |
| Credit loss provision to net charge-offs | 252.0833% | 955 |
| Earnings coverage of net charge-offs (x) | 8.4375% | 2,146 |
| Efficiency ratio | 77.6982% | 2,629 |
| Assets per employee ($millions) | 3.0823% | 5,926 |
| Cash dividends to net income (ytd only)* | 69.5652% | 1,157 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1159% | 5,763 |
| Loan loss allowance to noncurrent loans | 45.8807% | 5,255 |
| Noncurrent assets plus other real estate owned to assets | 1.8858% | 3,131 |
| Noncurrent loans to loans | 2.4322% | 2,701 |
| Net loans and leases to total assets | 58.0368% | 4,361 |
| Net loans and leases to deposits | 65.5491% | 4,796 |
| Net loans and leases to core deposits | 67.3982% | 5,110 |
| Total domestic deposits to total assets | 88.5394% | 1,828 |
| Equity capital to assets | 10.8583% | 3,130 |
| Core capital (leverage) ratio | 10.7042% | 2,521 |
| Tier 1 risk-based capital ratio | 22.3556% | 1,188 |
| Total risk-based capital ratio | 23.6073% | 1,161 |
| Memoranda: | ||
| Average total assets | $47,436,400 | 6,441 |
| Average earning assets | $43,004,400 | 6,419 |
| Average equity | $5,241,400 | 6,369 |
| Average total loans | $27,214,800 | 6,281 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7378% | 4,291 |
| Cost of funding earning assets | 0.8987% | 4,408 |
| Net interest margin | 3.8391% | 3,673 |
| Noninterest income to average assets | 0.3691% | 4,918 |
| Noninterest expense to average assets | 2.9808% | 3,625 |
| Loan and lease loss provision to assets | 0.2555% | 3,462 |
| Net operating income to assets | 0.5252% | 4,431 |
| Return on assets (ROA) | 0.5252% | 4,611 |
| Pretax return on assets | 0.6132% | 4,763 |
| Return on Equity (ROE) | 4.7316% | 4,649 |
| Retained earnings to average equity (ytd only) | 0.2302% | 5,889 |
| Net charge-offs to loans | 0.2390% | 3,929 |
| Credit loss provision to net charge-offs | 187.5000% | 1,560 |
| Earnings coverage of net charge-offs (x) | 6.3748% | 2,564 |
| Efficiency ratio | 77.4336% | 2,618 |
| Assets per employee ($millions) | 3.0459% | 6,018 |
| Cash dividends to net income (ytd only)* | 95.1350% | 353 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0497% | 6,049 |
| Loan loss allowance to noncurrent loans | 36.1386% | 5,888 |
| Noncurrent assets plus other real estate owned to assets | 1.6579% | 3,597 |
| Noncurrent loans to loans | 2.9047% | 2,399 |
| Net loans and leases to total assets | 56.4789% | 4,764 |
| Net loans and leases to deposits | 63.7374% | 5,206 |
| Net loans and leases to core deposits | 65.5716% | 5,460 |
| Total domestic deposits to total assets | 88.6119% | 1,687 |
| Equity capital to assets | 10.8423% | 3,298 |
| Core capital (leverage) ratio | 12.3925% | 1,488 |
| Tier 1 risk-based capital ratio | 22.9831% | 1,149 |
| Total risk-based capital ratio | 24.2336% | 1,129 |
| Memoranda: | ||
| Average total assets | $46,966,250 | 6,511 |
| Average earning assets | $42,578,750 | 6,496 |
| Average equity | $5,213,000 | 6,430 |
| Average total loans | $26,782,250 | 6,373 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7457% | 4,322 |
| Cost of funding earning assets | 0.9181% | 4,531 |
| Net interest margin | 3.8277% | 3,659 |
| Noninterest income to average assets | 0.3148% | 5,377 |
| Noninterest expense to average assets | 2.9929% | 3,669 |
| Loan and lease loss provision to assets | 0.2588% | 3,331 |
| Net operating income to assets | 0.4873% | 4,554 |
| Return on assets (ROA) | 0.4873% | 4,698 |
| Pretax return on assets | 0.5693% | 4,846 |
| Return on Equity (ROE) | 4.3551% | 4,760 |
| Retained earnings to average equity (ytd only) | 0.9635% | 5,477 |
| Net charge-offs to loans | 0.3783% | 3,040 |
| Credit loss provision to net charge-offs | 120.0000% | 2,541 |
| Earnings coverage of net charge-offs (x) | 3.8400% | 3,036 |
| Efficiency ratio | 78.3296% | 2,662 |
| Assets per employee ($millions) | 2.9842% | 6,120 |
| Cash dividends to net income (ytd only)* | 77.8761% | 836 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9835% | 6,402 |
| Loan loss allowance to noncurrent loans | 32.7044% | 6,109 |
| Noncurrent assets plus other real estate owned to assets | 1.8535% | 3,434 |
| Noncurrent loans to loans | 3.0074% | 2,415 |
| Net loans and leases to total assets | 54.8202% | 5,175 |
| Net loans and leases to deposits | 61.9424% | 5,510 |
| Net loans and leases to core deposits | 63.7606% | 5,749 |
| Total domestic deposits to total assets | 88.5019% | 1,849 |
| Equity capital to assets | 11.0101% | 2,938 |
| Core capital (leverage) ratio | 10.9090% | 2,333 |
| Tier 1 risk-based capital ratio | 23.9047% | 1,017 |
| Total risk-based capital ratio | 25.1127% | 1,004 |
| Memoranda: | ||
| Average total assets | $46,376,670 | 6,586 |
| Average earning assets | $42,480,330 | 6,559 |
| Average equity | $5,189,330 | 6,472 |
| Average total loans | $26,437,330 | 6,457 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7310% | 4,366 |
| Cost of funding earning assets | 0.9891% | 4,279 |
| Net interest margin | 3.7418% | 3,884 |
| Noninterest income to average assets | 0.3502% | 5,100 |
| Noninterest expense to average assets | 3.1166% | 3,191 |
| Loan and lease loss provision to assets | 0.2626% | 3,034 |
| Net operating income to assets | 0.3589% | 5,130 |
| Return on assets (ROA) | 0.3589% | 5,213 |
| Pretax return on assets | 0.4815% | 5,085 |
| Return on Equity (ROE) | 3.1811% | 5,289 |
| Retained earnings to average equity (ytd only) | -3.6466% | 6,377 |
| Net charge-offs to loans | 0.7262% | 1,762 |
| Credit loss provision to net charge-offs | 62.5000% | 3,499 |
| Earnings coverage of net charge-offs (x) | 1.7708% | 3,418 |
| Efficiency ratio | 80.7256% | 2,405 |
| Assets per employee ($millions) | 2.9504% | 6,239 |
| Cash dividends to net income (ytd only)* | 214.6341% | 175 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8775% | 6,752 |
| Loan loss allowance to noncurrent loans | 32.1775% | 6,162 |
| Noncurrent assets plus other real estate owned to assets | 1.7180% | 3,679 |
| Noncurrent loans to loans | 2.7269% | 2,770 |
| Net loans and leases to total assets | 55.5172% | 5,072 |
| Net loans and leases to deposits | 62.5534% | 5,435 |
| Net loans and leases to core deposits | 63.9017% | 5,740 |
| Total domestic deposits to total assets | 88.7517% | 1,925 |
| Equity capital to assets | 10.8586% | 2,817 |
| Core capital (leverage) ratio | 10.3967% | 2,706 |
| Tier 1 risk-based capital ratio | 23.7169% | 1,002 |
| Total risk-based capital ratio | 24.8013% | 999 |
| Memoranda: | ||
| Average total assets | $45,691,500 | 6,651 |
| Average earning assets | $42,866,500 | 6,595 |
| Average equity | $5,155,500 | 6,504 |
| Average total loans | $26,438,500 | 6,504 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2106% | 3,551 |
| Cost of funding earning assets | 0.9555% | 5,909 |
| Net interest margin | 4.2551% | 1,974 |
| Noninterest income to average assets | 0.3951% | 4,943 |
| Noninterest expense to average assets | 3.2120% | 3,045 |
| Loan and lease loss provision to assets | 0.2455% | 4,834 |
| Net operating income to assets | 0.7013% | 3,227 |
| Return on assets (ROA) | 0.7013% | 3,353 |
| Pretax return on assets | 0.8416% | 3,494 |
| Return on Equity (ROE) | 5.8200% | 3,689 |
| Retained earnings to average equity (ytd only) | 2.4056% | 4,189 |
| Net charge-offs to loans | 0.1182% | 5,703 |
| Credit loss provision to net charge-offs | 350.0000% | 735 |
| Earnings coverage of net charge-offs (x) | 15.5000% | 1,275 |
| Efficiency ratio | 74.7145% | 3,252 |
| Assets per employee ($millions) | 2.7610% | 6,590 |
| Cash dividends to net income (ytd only)* | 58.6667% | 1,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9456% | 6,591 |
| Loan loss allowance to noncurrent loans | 59.5238% | 4,457 |
| Noncurrent assets plus other real estate owned to assets | 1.2224% | 4,579 |
| Noncurrent loans to loans | 1.5887% | 4,117 |
| Net loans and leases to total assets | 59.2788% | 4,793 |
| Net loans and leases to deposits | 67.6143% | 5,154 |
| Net loans and leases to core deposits | 69.1899% | 5,528 |
| Total domestic deposits to total assets | 87.6720% | 2,440 |
| Equity capital to assets | 11.7371% | 2,095 |
| Core capital (leverage) ratio | 11.5876% | 1,792 |
| Tier 1 risk-based capital ratio | 24.5740% | 883 |
| Total risk-based capital ratio | 25.7739% | 873 |
| Memoranda: | ||
| Average total assets | $42,776,600 | 6,775 |
| Average earning assets | $39,246,600 | 6,745 |
| Average equity | $5,154,600 | 6,617 |
| Average total loans | $25,378,200 | 6,648 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3001% | 3,358 |
| Cost of funding earning assets | 0.9574% | 6,139 |
| Net interest margin | 4.3427% | 1,702 |
| Noninterest income to average assets | 0.4054% | 4,916 |
| Noninterest expense to average assets | 3.2997% | 2,572 |
| Loan and lease loss provision to assets | 0.1948% | 5,091 |
| Net operating income to assets | 0.7322% | 3,275 |
| Return on assets (ROA) | 0.7322% | 3,433 |
| Pretax return on assets | 0.8736% | 3,649 |
| Return on Equity (ROE) | 6.0357% | 3,795 |
| Retained earnings to average equity (ytd only) | 1.4766% | 5,209 |
| Net charge-offs to loans | 0.1168% | 5,378 |
| Credit loss provision to net charge-offs | 281.8182% | 1,152 |
| Earnings coverage of net charge-offs (x) | 15.4558% | 1,439 |
| Efficiency ratio | 75.5396% | 3,031 |
| Assets per employee ($millions) | 2.5822% | 6,971 |
| Cash dividends to net income (ytd only)* | 75.5360% | 762 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8399% | 6,917 |
| Loan loss allowance to noncurrent loans | 60.7345% | 4,282 |
| Noncurrent assets plus other real estate owned to assets | 1.0798% | 4,953 |
| Noncurrent loans to loans | 1.3830% | 4,550 |
| Net loans and leases to total assets | 57.8217% | 5,287 |
| Net loans and leases to deposits | 66.2093% | 5,644 |
| Net loans and leases to core deposits | 67.7630% | 5,964 |
| Total domestic deposits to total assets | 87.3317% | 2,354 |
| Equity capital to assets | 11.9188% | 2,210 |
| Core capital (leverage) ratio | 11.4604% | 1,963 |
| Tier 1 risk-based capital ratio | 24.2828% | 915 |
| Total risk-based capital ratio | 24.9604% | 958 |
| Memoranda: | ||
| Average total assets | $42,426,750 | 6,870 |
| Average earning assets | $38,715,250 | 6,847 |
| Average equity | $5,147,000 | 6,703 |
| Average total loans | $25,113,500 | 6,749 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4031% | 2,963 |
| Cost of funding earning assets | 0.9910% | 6,187 |
| Net interest margin | 4.4121% | 1,414 |
| Noninterest income to average assets | 0.3481% | 5,365 |
| Noninterest expense to average assets | 3.2668% | 2,668 |
| Loan and lease loss provision to assets | 0.1526% | 5,374 |
| Net operating income to assets | 0.7869% | 3,032 |
| Return on assets (ROA) | 0.7869% | 3,181 |
| Pretax return on assets | 0.9204% | 3,415 |
| Return on Equity (ROE) | 6.4470% | 3,575 |
| Retained earnings to average equity (ytd only) | 3.0086% | 4,208 |
| Net charge-offs to loans | 0.1363% | 4,857 |
| Credit loss provision to net charge-offs | 188.2353% | 2,095 |
| Earnings coverage of net charge-offs (x) | 13.2353% | 1,605 |
| Efficiency ratio | 75.2747% | 3,215 |
| Assets per employee ($millions) | 2.3241% | 7,330 |
| Cash dividends to net income (ytd only)* | 53.3333% | 1,547 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7550% | 7,133 |
| Loan loss allowance to noncurrent loans | 1,055.5556% | 321 |
| Noncurrent assets plus other real estate owned to assets | 0.3299% | 6,597 |
| Noncurrent loans to loans | 0.0715% | 7,134 |
| Net loans and leases to total assets | 59.7026% | 5,119 |
| Net loans and leases to deposits | 68.6758% | 5,463 |
| Net loans and leases to core deposits | 71.3763% | 5,738 |
| Total domestic deposits to total assets | 86.9341% | 2,562 |
| Equity capital to assets | 12.4229% | 1,847 |
| Core capital (leverage) ratio | 12.0169% | 1,633 |
| Tier 1 risk-based capital ratio | 22.7728% | 1,093 |
| Total risk-based capital ratio | 23.6255% | 1,122 |
| Memoranda: | ||
| Average total assets | $41,936,670 | 6,933 |
| Average earning assets | $37,941,330 | 6,928 |
| Average equity | $5,118,670 | 6,744 |
| Average total loans | $24,952,330 | 6,809 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4907% | 2,631 |
| Cost of funding earning assets | 1.0896% | 5,962 |
| Net interest margin | 4.4011% | 1,388 |
| Noninterest income to average assets | 0.3048% | 5,706 |
| Noninterest expense to average assets | 3.1152% | 3,210 |
| Loan and lease loss provision to assets | 0.1429% | 5,119 |
| Net operating income to assets | 0.8288% | 2,839 |
| Return on assets (ROA) | 0.8288% | 2,935 |
| Pretax return on assets | 0.9717% | 3,200 |
| Return on Equity (ROE) | 6.8511% | 3,416 |
| Retained earnings to average equity (ytd only) | -0.0787% | 5,849 |
| Net charge-offs to loans | 0.2415% | 3,493 |
| Credit loss provision to net charge-offs | 100.0000% | 3,385 |
| Earnings coverage of net charge-offs (x) | 7.8000% | 2,038 |
| Efficiency ratio | 73.6486% | 3,627 |
| Assets per employee ($millions) | 2.3911% | 7,350 |
| Cash dividends to net income (ytd only)* | 101.1494% | 570 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6984% | 7,338 |
| Loan loss allowance to noncurrent loans | 126.8116% | 2,189 |
| Noncurrent assets plus other real estate owned to assets | 0.3206% | 6,674 |
| Noncurrent loans to loans | 0.5507% | 6,191 |
| Net loans and leases to total assets | 57.8160% | 5,472 |
| Net loans and leases to deposits | 65.9353% | 5,828 |
| Net loans and leases to core deposits | 69.9736% | 5,919 |
| Total domestic deposits to total assets | 87.6859% | 2,243 |
| Equity capital to assets | 11.7821% | 2,179 |
| Core capital (leverage) ratio | 11.2202% | 2,078 |
| Tier 1 risk-based capital ratio | 21.8605% | 1,216 |
| Total risk-based capital ratio | 22.6262% | 1,262 |
| Memoranda: | ||
| Average total assets | $41,988,000 | 7,017 |
| Average earning assets | $37,445,000 | 7,038 |
| Average equity | $5,079,500 | 6,824 |
| Average total loans | $24,845,500 | 6,891 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5450% | 3,903 |
| Cost of funding earning assets | 1.2118% | 6,618 |
| Net interest margin | 4.3333% | 1,624 |
| Noninterest income to average assets | 0.3646% | 5,481 |
| Noninterest expense to average assets | 3.4922% | 2,394 |
| Loan and lease loss provision to assets | 0.2656% | 5,285 |
| Net operating income to assets | 0.5690% | 3,449 |
| Return on assets (ROA) | 0.6927% | 3,036 |
| Pretax return on assets | 0.7891% | 3,285 |
| Return on Equity (ROE) | 5.2910% | 3,536 |
| Retained earnings to average equity (ytd only) | 1.7902% | 3,840 |
| Net charge-offs to loans | 0.0738% | 6,372 |
| Credit loss provision to net charge-offs | 600.0000% | 493 |
| Earnings coverage of net charge-offs (x) | 20.6471% | 1,032 |
| Efficiency ratio | 79.2553% | 2,997 |
| Assets per employee ($millions) | 2.2742% | 7,502 |
| Cash dividends to net income (ytd only)* | 66.1654% | 1,725 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7105% | 7,356 |
| Loan loss allowance to noncurrent loans | 97.7654% | 2,863 |
| Noncurrent assets plus other real estate owned to assets | 0.4373% | 6,365 |
| Noncurrent loans to loans | 0.7267% | 5,803 |
| Net loans and leases to total assets | 59.7445% | 5,374 |
| Net loans and leases to deposits | 68.8445% | 5,741 |
| Net loans and leases to core deposits | 77.4618% | 6,304 |
| Total domestic deposits to total assets | 86.7818% | 2,618 |
| Equity capital to assets | 12.4292% | 1,780 |
| Core capital (leverage) ratio | 12.1985% | 1,585 |
| Tier 1 risk-based capital ratio | 22.5828% | 1,082 |
| Total risk-based capital ratio | 23.3739% | 1,112 |
| Memoranda: | ||
| Average total assets | $38,399,800 | 7,159 |
| Average earning assets | $35,815,800 | 7,107 |
| Average equity | $5,027,400 | 6,930 |
| Average total loans | $23,050,000 | 7,025 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6370% | 3,658 |
| Cost of funding earning assets | 1.2501% | 6,726 |
| Net interest margin | 4.3869% | 1,474 |
| Noninterest income to average assets | 0.3460% | 5,731 |
| Noninterest expense to average assets | 3.4069% | 2,556 |
| Loan and lease loss provision to assets | 0.3036% | 4,543 |
| Net operating income to assets | 0.6427% | 3,434 |
| Return on assets (ROA) | 0.8155% | 2,808 |
| Pretax return on assets | 0.9179% | 3,172 |
| Return on Equity (ROE) | 6.1447% | 3,469 |
| Retained earnings to average equity (ytd only) | 1.4630% | 4,495 |
| Net charge-offs to loans | 0.0883% | 5,803 |
| Credit loss provision to net charge-offs | 573.3333% | 678 |
| Earnings coverage of net charge-offs (x) | 19.3995% | 1,292 |
| Efficiency ratio | 76.8312% | 3,353 |
| Assets per employee ($millions) | 2.2343% | 7,578 |
| Cash dividends to net income (ytd only)* | 76.1908% | 1,076 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6626% | 7,459 |
| Loan loss allowance to noncurrent loans | 93.0233% | 2,952 |
| Noncurrent assets plus other real estate owned to assets | 0.4277% | 6,384 |
| Noncurrent loans to loans | 0.7122% | 5,878 |
| Net loans and leases to total assets | 59.6474% | 5,637 |
| Net loans and leases to deposits | 68.8983% | 6,040 |
| Net loans and leases to core deposits | 79.1533% | 6,409 |
| Total domestic deposits to total assets | 86.5732% | 2,392 |
| Equity capital to assets | 12.8674% | 1,750 |
| Core capital (leverage) ratio | 12.0817% | 1,766 |
| Tier 1 risk-based capital ratio | 22.8892% | 1,125 |
| Total risk-based capital ratio | 23.6274% | 1,162 |
| Memoranda: | ||
| Average total assets | $37,765,750 | 7,241 |
| Average earning assets | $35,195,000 | 7,198 |
| Average equity | $5,012,250 | 6,993 |
| Average total loans | $22,654,500 | 7,113 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6407% | 3,862 |
| Cost of funding earning assets | 1.2968% | 6,820 |
| Net interest margin | 4.3439% | 1,540 |
| Noninterest income to average assets | 0.3302% | 5,867 |
| Noninterest expense to average assets | 3.5238% | 2,270 |
| Loan and lease loss provision to assets | 0.1949% | 5,108 |
| Net operating income to assets | 0.6117% | 3,630 |
| Return on assets (ROA) | 0.6117% | 3,737 |
| Pretax return on assets | 0.6550% | 4,146 |
| Return on Equity (ROE) | 4.5583% | 4,280 |
| Retained earnings to average equity (ytd only) | 1.0085% | 4,767 |
| Net charge-offs to loans | 0.0812% | 5,393 |
| Credit loss provision to net charge-offs | 400.0000% | 1,152 |
| Earnings coverage of net charge-offs (x) | 17.4444% | 1,479 |
| Efficiency ratio | 80.5693% | 2,956 |
| Assets per employee ($millions) | 2.0581% | 7,813 |
| Cash dividends to net income (ytd only)* | 77.8761% | 1,122 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4959% | 7,793 |
| Loan loss allowance to noncurrent loans | 71.6049% | 3,860 |
| Noncurrent assets plus other real estate owned to assets | 0.4143% | 6,428 |
| Noncurrent loans to loans | 0.6925% | 5,863 |
| Net loans and leases to total assets | 59.5259% | 5,758 |
| Net loans and leases to deposits | 68.7814% | 6,114 |
| Net loans and leases to core deposits | 80.7052% | 6,343 |
| Total domestic deposits to total assets | 86.5436% | 2,488 |
| Equity capital to assets | 12.9578% | 1,710 |
| Core capital (leverage) ratio | 12.4756% | 1,633 |
| Tier 1 risk-based capital ratio | 22.1240% | 1,234 |
| Total risk-based capital ratio | 22.6445% | 1,303 |
| Memoranda: | ||
| Average total assets | $36,948,330 | 7,338 |
| Average earning assets | $34,393,000 | 7,298 |
| Average equity | $4,958,000 | 7,080 |
| Average total loans | $22,156,330 | 7,201 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8321% | 3,127 |
| Cost of funding earning assets | 1.3800% | 6,785 |
| Net interest margin | 4.4521% | 1,227 |
| Noninterest income to average assets | 0.2788% | 6,193 |
| Noninterest expense to average assets | 3.6353% | 1,782 |
| Loan and lease loss provision to assets | 0.1673% | 4,790 |
| Net operating income to assets | 0.5799% | 4,108 |
| Return on assets (ROA) | 0.5799% | 4,301 |
| Pretax return on assets | 0.6133% | 4,715 |
| Return on Equity (ROE) | 4.2419% | 4,821 |
| Retained earnings to average equity (ytd only) | -2.9367% | 6,263 |
| Net charge-offs to loans | 0.0929% | 4,250 |
| Credit loss provision to net charge-offs | 300.0000% | 1,603 |
| Earnings coverage of net charge-offs (x) | 14.0000% | 1,699 |
| Efficiency ratio | 82.3232% | 2,493 |
| Assets per employee ($millions) | 1.9458% | 7,935 |
| Cash dividends to net income (ytd only)* | 169.2308% | 387 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4580% | 7,882 |
| Loan loss allowance to noncurrent loans | 59.1716% | 4,641 |
| Noncurrent assets plus other real estate owned to assets | 0.5301% | 5,897 |
| Noncurrent loans to loans | 0.7740% | 5,497 |
| Net loans and leases to total assets | 58.7866% | 5,834 |
| Net loans and leases to deposits | 68.1872% | 6,167 |
| Net loans and leases to core deposits | 80.4784% | 6,348 |
| Total domestic deposits to total assets | 86.2135% | 2,610 |
| Equity capital to assets | 13.3131% | 1,607 |
| Core capital (leverage) ratio | 11.8780% | 1,956 |
| Tier 1 risk-based capital ratio | 22.7847% | 1,217 |
| Total risk-based capital ratio | 23.2525% | 1,273 |
| Memoranda: | ||
| Average total assets | $35,870,500 | 7,419 |
| Average earning assets | $33,332,500 | 7,391 |
| Average equity | $4,903,500 | 7,146 |
| Average total loans | $21,538,000 | 7,272 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9530% | 5,796 |
| Cost of funding earning assets | 1.5242% | 7,571 |
| Net interest margin | 4.4289% | 1,600 |
| Noninterest income to average assets | 0.3856% | 5,592 |
| Noninterest expense to average assets | 3.4702% | 2,475 |
| Loan and lease loss provision to assets | 0.1046% | 6,040 |
| Net operating income to assets | 0.7951% | 3,455 |
| Return on assets (ROA) | 0.7951% | 3,296 |
| Pretax return on assets | 0.8668% | 3,832 |
| Return on Equity (ROE) | 5.5403% | 4,140 |
| Retained earnings to average equity (ytd only) | 1.8745% | 4,060 |
| Net charge-offs to loans | 0.0172% | 6,631 |
| Credit loss provision to net charge-offs | 1,166.6667% | 387 |
| Earnings coverage of net charge-offs (x) | 108.3333% | 401 |
| Efficiency ratio | 78.1292% | 2,901 |
| Assets per employee ($millions) | 1.8300% | 8,026 |
| Cash dividends to net income (ytd only)* | 66.1654% | 2,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4237% | 7,953 |
| Loan loss allowance to noncurrent loans | 47.8723% | 5,618 |
| Noncurrent assets plus other real estate owned to assets | 0.5407% | 5,553 |
| Noncurrent loans to loans | 0.8850% | 4,850 |
| Net loans and leases to total assets | 60.8341% | 5,789 |
| Net loans and leases to deposits | 71.2500% | 6,138 |
| Net loans and leases to core deposits | 83.5816% | 6,337 |
| Total domestic deposits to total assets | 85.3811% | 2,676 |
| Equity capital to assets | 14.0495% | 1,408 |
| Core capital (leverage) ratio | 14.1784% | 1,222 |
| Tier 1 risk-based capital ratio | 23.6400% | 1,124 |
| Total risk-based capital ratio | 24.0736% | 1,187 |
| Memoranda: | ||
| Average total assets | $33,456,000 | 7,484 |
| Average earning assets | $30,639,800 | 7,483 |
| Average equity | $4,801,200 | 7,207 |
| Average total loans | $17,455,200 | 7,495 |