Home > Community Bank > Performance and Condition Ratios
Community Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4519% | 2,195 |
| Cost of funding earning assets | 2.1781% | 1,493 |
| Net interest margin | 3.2737% | 2,826 |
| Noninterest income to average assets | 0.2200% | 3,425 |
| Noninterest expense to average assets | 2.3231% | 2,789 |
| Loan and lease loss provision to assets | 0.0900% | 1,412 |
| Net operating income to assets | 0.7394% | 3,006 |
| Return on assets (ROA) | 0.7394% | 3,009 |
| Pretax return on assets | 0.8935% | 2,980 |
| Return on Equity (ROE) | 6.7400% | 3,191 |
| Retained earnings to average equity (ytd only) | 6.7402% | 2,078 |
| Net charge-offs to loans | 0.2307% | 490 |
| Credit loss provision to net charge-offs | 71.4286% | 1,451 |
| Earnings coverage of net charge-offs (x) | 7.6190% | 1,801 |
| Efficiency ratio | 70.2048% | 1,786 |
| Assets per employee ($millions) | 7.8660% | 1,657 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1851% | 2,274 |
| Loan loss allowance to noncurrent loans | 319.8529% | 1,576 |
| Noncurrent assets plus other real estate owned to assets | 0.2161% | 2,434 |
| Noncurrent loans to loans | 0.3705% | 2,197 |
| Net loans and leases to total assets | 57.6400% | 3,074 |
| Net loans and leases to deposits | 65.7638% | 3,146 |
| Net loans and leases to core deposits | 72.6006% | 3,155 |
| Total domestic deposits to total assets | 87.6500% | 1,673 |
| Equity capital to assets | 11.6021% | 1,386 |
| Core capital (leverage) ratio | 12.6510% | 1,215 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $64,914,500 | 4,089 |
| Average earning assets | $61,336,500 | 4,060 |
| Average equity | $7,121,500 | 4,060 |
| Average total loans | $36,416,500 | 4,000 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1918% | 2,748 |
| Cost of funding earning assets | 2.2906% | 1,549 |
| Net interest margin | 2.9012% | 3,316 |
| Noninterest income to average assets | 0.2700% | 3,250 |
| Noninterest expense to average assets | 2.4610% | 2,412 |
| Loan and lease loss provision to assets | 0.1200% | 1,178 |
| Net operating income to assets | 0.3461% | 3,770 |
| Return on assets (ROA) | 0.2495% | 3,943 |
| Pretax return on assets | 0.2734% | 3,958 |
| Return on Equity (ROE) | 2.4200% | 3,942 |
| Retained earnings to average equity (ytd only) | -0.4786% | 4,038 |
| Net charge-offs to loans | 0.0720% | 1,414 |
| Credit loss provision to net charge-offs | 333.3333% | 811 |
| Earnings coverage of net charge-offs (x) | 13.9167% | 2,087 |
| Efficiency ratio | 83.1398% | 845 |
| Assets per employee ($millions) | 8.3626% | 1,334 |
| Cash dividends to net income (ytd only)* | 119.7605% | 149 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2207% | 2,058 |
| Loan loss allowance to noncurrent loans | 441.0000% | 1,310 |
| Noncurrent assets plus other real estate owned to assets | 0.1495% | 2,714 |
| Noncurrent loans to loans | 0.2768% | 2,431 |
| Net loans and leases to total assets | 53.3400% | 3,444 |
| Net loans and leases to deposits | 63.9562% | 3,345 |
| Net loans and leases to core deposits | 70.0200% | 3,353 |
| Total domestic deposits to total assets | 83.4000% | 2,934 |
| Equity capital to assets | 10.3765% | 1,909 |
| Core capital (leverage) ratio | 12.1415% | 1,385 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $66,925,200 | 4,072 |
| Average earning assets | $62,078,800 | 4,051 |
| Average equity | $6,894,400 | 4,063 |
| Average total loans | $33,341,800 | 4,043 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1025% | 2,856 |
| Cost of funding earning assets | 2.2963% | 1,542 |
| Net interest margin | 2.8062% | 3,445 |
| Noninterest income to average assets | 0.2600% | 3,292 |
| Noninterest expense to average assets | 2.2191% | 3,029 |
| Loan and lease loss provision to assets | 0.0800% | 1,521 |
| Net operating income to assets | 0.4850% | 3,501 |
| Return on assets (ROA) | 0.3606% | 3,792 |
| Pretax return on assets | 0.4104% | 3,793 |
| Return on Equity (ROE) | 3.5100% | 3,806 |
| Retained earnings to average equity (ytd only) | 1.5692% | 3,575 |
| Net charge-offs to loans | 0.0082% | 2,356 |
| Credit loss provision to net charge-offs | 2,000.0000% | 238 |
| Earnings coverage of net charge-offs (x) | 158.5000% | 599 |
| Efficiency ratio | 77.8477% | 1,236 |
| Assets per employee ($millions) | 8.3501% | 1,322 |
| Cash dividends to net income (ytd only)* | 55.2486% | 1,179 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2178% | 2,121 |
| Loan loss allowance to noncurrent loans | 343.9024% | 1,594 |
| Noncurrent assets plus other real estate owned to assets | 0.1841% | 2,541 |
| Noncurrent loans to loans | 0.3541% | 2,215 |
| Net loans and leases to total assets | 51.3600% | 3,576 |
| Net loans and leases to deposits | 62.0190% | 3,476 |
| Net loans and leases to core deposits | 66.3842% | 3,556 |
| Total domestic deposits to total assets | 82.8200% | 2,904 |
| Equity capital to assets | 11.0837% | 1,694 |
| Core capital (leverage) ratio | 12.4229% | 1,298 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $66,931,250 | 4,091 |
| Average earning assets | $61,720,000 | 4,079 |
| Average equity | $6,882,500 | 4,084 |
| Average total loans | $32,645,750 | 4,070 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9823% | 2,984 |
| Cost of funding earning assets | 2.2709% | 1,502 |
| Net interest margin | 2.7114% | 3,565 |
| Noninterest income to average assets | 0.2700% | 3,207 |
| Noninterest expense to average assets | 2.1471% | 3,215 |
| Loan and lease loss provision to assets | 0.0600% | 1,720 |
| Net operating income to assets | 0.4852% | 3,466 |
| Return on assets (ROA) | 0.2986% | 3,877 |
| Pretax return on assets | 0.3374% | 3,890 |
| Return on Equity (ROE) | 2.9800% | 3,883 |
| Retained earnings to average equity (ytd only) | 0.0000% | 3,835 |
| Net charge-offs to loans | 0.0063% | 2,194 |
| Credit loss provision to net charge-offs | 2,000.0000% | 232 |
| Earnings coverage of net charge-offs (x) | 204.0000% | 484 |
| Efficiency ratio | 77.8982% | 1,291 |
| Assets per employee ($millions) | 8.5424% | 1,189 |
| Cash dividends to net income (ytd only)* | 100.0000% | 373 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2108% | 2,189 |
| Loan loss allowance to noncurrent loans | 320.6349% | 1,742 |
| Noncurrent assets plus other real estate owned to assets | 0.1844% | 2,479 |
| Noncurrent loans to loans | 0.3776% | 2,057 |
| Net loans and leases to total assets | 48.2300% | 3,738 |
| Net loans and leases to deposits | 59.2054% | 3,614 |
| Net loans and leases to core deposits | 63.7082% | 3,636 |
| Total domestic deposits to total assets | 81.4700% | 3,188 |
| Equity capital to assets | 9.8567% | 2,164 |
| Core capital (leverage) ratio | 12.1573% | 1,393 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $66,974,667 | 4,106 |
| Average earning assets | $61,296,667 | 4,092 |
| Average equity | $6,708,667 | 4,100 |
| Average total loans | $31,949,333 | 4,097 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7871% | 3,171 |
| Cost of funding earning assets | 2.1963% | 1,559 |
| Net interest margin | 2.5908% | 3,727 |
| Noninterest income to average assets | 0.2200% | 3,505 |
| Noninterest expense to average assets | 2.1119% | 3,282 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 0.5189% | 3,346 |
| Return on assets (ROA) | 0.0905% | 4,165 |
| Pretax return on assets | 0.0543% | 4,199 |
| Return on Equity (ROE) | 0.9000% | 4,159 |
| Retained earnings to average equity (ytd only) | 0.8962% | 3,523 |
| Net charge-offs to loans | -0.0256% | 4,175 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 81.3953% | 1,098 |
| Assets per employee ($millions) | 8.3265% | 1,270 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2226% | 2,163 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,825 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,894 |
| Noncurrent loans to loans | 0.0000% | 3,844 |
| Net loans and leases to total assets | 46.9400% | 3,766 |
| Net loans and leases to deposits | 57.9000% | 3,627 |
| Net loans and leases to core deposits | 60.5789% | 3,750 |
| Total domestic deposits to total assets | 81.0700% | 3,365 |
| Equity capital to assets | 10.0477% | 1,988 |
| Core capital (leverage) ratio | 12.3627% | 1,273 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $66,292,500 | 4,136 |
| Average earning assets | $60,830,500 | 4,125 |
| Average equity | $6,695,000 | 4,122 |
| Average total loans | $31,241,000 | 4,128 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2378% | 3,556 |
| Cost of funding earning assets | 1.3457% | 2,374 |
| Net interest margin | 2.8922% | 3,506 |
| Noninterest income to average assets | 0.2600% | 3,376 |
| Noninterest expense to average assets | 2.4669% | 2,396 |
| Loan and lease loss provision to assets | 0.0200% | 2,739 |
| Net operating income to assets | 0.3987% | 3,875 |
| Return on assets (ROA) | 0.3824% | 3,900 |
| Pretax return on assets | 0.4495% | 3,897 |
| Return on Equity (ROE) | 3.7400% | 3,926 |
| Retained earnings to average equity (ytd only) | 0.6103% | 3,932 |
| Net charge-offs to loans | 0.0139% | 2,132 |
| Credit loss provision to net charge-offs | 250.0000% | 1,064 |
| Earnings coverage of net charge-offs (x) | 75.7500% | 1,060 |
| Efficiency ratio | 83.5772% | 685 |
| Assets per employee ($millions) | 8.2466% | 1,309 |
| Cash dividends to net income (ytd only)* | 83.6820% | 498 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2488% | 2,024 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 46.1500% | 3,809 |
| Net loans and leases to deposits | 57.0882% | 3,662 |
| Net loans and leases to core deposits | 60.0556% | 3,762 |
| Total domestic deposits to total assets | 80.8300% | 3,336 |
| Equity capital to assets | 10.1511% | 1,918 |
| Core capital (leverage) ratio | 14.2391% | 753 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $62,507,400 | 4,184 |
| Average earning assets | $58,260,800 | 4,159 |
| Average equity | $6,390,800 | 4,124 |
| Average total loans | $28,751,000 | 4,158 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0685% | 3,711 |
| Cost of funding earning assets | 1.1624% | 2,554 |
| Net interest margin | 2.9061% | 3,531 |
| Noninterest income to average assets | 0.2600% | 3,384 |
| Noninterest expense to average assets | 2.5069% | 2,217 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.4225% | 3,926 |
| Return on assets (ROA) | 0.4002% | 3,959 |
| Pretax return on assets | 0.4650% | 3,967 |
| Return on Equity (ROE) | 3.9100% | 3,994 |
| Retained earnings to average equity (ytd only) | 1.5414% | 3,832 |
| Net charge-offs to loans | 0.2172% | 405 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 4.9348% | 2,369 |
| Efficiency ratio | 83.6219% | 635 |
| Assets per employee ($millions) | 7.6091% | 1,562 |
| Cash dividends to net income (ytd only)* | 60.5405% | 917 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1279% | 2,734 |
| Loan loss allowance to noncurrent loans | 231.2500% | 2,336 |
| Noncurrent assets plus other real estate owned to assets | 0.2366% | 2,066 |
| Noncurrent loans to loans | 0.4878% | 1,601 |
| Net loans and leases to total assets | 47.9500% | 3,742 |
| Net loans and leases to deposits | 56.3601% | 3,697 |
| Net loans and leases to core deposits | 59.0508% | 3,738 |
| Total domestic deposits to total assets | 85.0800% | 2,475 |
| Equity capital to assets | 9.9420% | 1,861 |
| Core capital (leverage) ratio | 14.5149% | 708 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $61,641,000 | 4,211 |
| Average earning assets | $58,037,250 | 4,182 |
| Average equity | $6,314,250 | 4,140 |
| Average total loans | $28,231,500 | 4,181 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9833% | 3,724 |
| Cost of funding earning assets | 0.9804% | 2,666 |
| Net interest margin | 3.0029% | 3,423 |
| Noninterest income to average assets | 0.1700% | 3,948 |
| Noninterest expense to average assets | 2.4718% | 2,287 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.4534% | 3,911 |
| Return on assets (ROA) | 0.4201% | 3,974 |
| Pretax return on assets | 0.4879% | 3,988 |
| Return on Equity (ROE) | 4.0600% | 4,022 |
| Retained earnings to average equity (ytd only) | 0.5624% | 3,975 |
| Net charge-offs to loans | -0.0719% | 4,457 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 82.4353% | 685 |
| Assets per employee ($millions) | 7.7314% | 1,452 |
| Cash dividends to net income (ytd only)* | 86.1538% | 466 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3072% | 1,905 |
| Loan loss allowance to noncurrent loans | 217.9775% | 2,498 |
| Noncurrent assets plus other real estate owned to assets | 0.2878% | 1,768 |
| Noncurrent loans to loans | 0.5997% | 1,241 |
| Net loans and leases to total assets | 47.3600% | 3,721 |
| Net loans and leases to deposits | 53.0419% | 3,792 |
| Net loans and leases to core deposits | 55.8364% | 3,818 |
| Total domestic deposits to total assets | 89.2900% | 1,142 |
| Equity capital to assets | 10.1890% | 1,751 |
| Core capital (leverage) ratio | 14.4828% | 678 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $61,897,000 | 4,230 |
| Average earning assets | $58,343,333 | 4,197 |
| Average equity | $6,401,667 | 4,152 |
| Average total loans | $27,801,000 | 4,199 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8774% | 3,718 |
| Cost of funding earning assets | 0.8685% | 2,476 |
| Net interest margin | 3.0089% | 3,579 |
| Noninterest income to average assets | 0.1200% | 4,272 |
| Noninterest expense to average assets | 2.4612% | 2,343 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.4264% | 4,045 |
| Return on assets (ROA) | 0.4264% | 3,993 |
| Pretax return on assets | 0.5039% | 3,983 |
| Return on Equity (ROE) | 4.0900% | 4,026 |
| Retained earnings to average equity (ytd only) | 4.0921% | 3,247 |
| Net charge-offs to loans | -0.1340% | 4,548 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 83.0065% | 645 |
| Assets per employee ($millions) | 7.6496% | 1,533 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4356% | 1,477 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 43.5300% | 3,887 |
| Net loans and leases to deposits | 48.9931% | 3,929 |
| Net loans and leases to core deposits | 50.9769% | 3,959 |
| Total domestic deposits to total assets | 88.8500% | 1,599 |
| Equity capital to assets | 10.9009% | 1,377 |
| Core capital (leverage) ratio | 14.1434% | 712 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $61,920,000 | 4,292 |
| Average earning assets | $58,492,500 | 4,255 |
| Average equity | $6,451,500 | 4,194 |
| Average total loans | $26,860,500 | 4,269 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7123% | 2,495 |
| Cost of funding earning assets | 0.3693% | 2,338 |
| Net interest margin | 3.3430% | 2,442 |
| Noninterest income to average assets | 0.1500% | 4,220 |
| Noninterest expense to average assets | 2.7964% | 1,323 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.4472% | 4,176 |
| Return on assets (ROA) | 0.4472% | 4,136 |
| Pretax return on assets | 0.5314% | 4,126 |
| Return on Equity (ROE) | 4.1800% | 4,132 |
| Retained earnings to average equity (ytd only) | 0.9586% | 4,210 |
| Net charge-offs to loans | -0.0228% | 4,105 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 84.0313% | 494 |
| Assets per employee ($millions) | 7.8304% | 1,422 |
| Cash dividends to net income (ytd only)* | 77.0548% | 499 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4198% | 1,436 |
| Loan loss allowance to noncurrent loans | 3,790.0000% | 372 |
| Noncurrent assets plus other real estate owned to assets | 0.0160% | 3,694 |
| Noncurrent loans to loans | 0.0375% | 3,509 |
| Net loans and leases to total assets | 42.0100% | 3,980 |
| Net loans and leases to deposits | 46.7274% | 4,018 |
| Net loans and leases to core deposits | 48.5552% | 4,036 |
| Total domestic deposits to total assets | 89.9000% | 1,408 |
| Equity capital to assets | 9.9484% | 1,731 |
| Core capital (leverage) ratio | 13.7865% | 755 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $65,297,200 | 4,280 |
| Average earning assets | $62,010,800 | 4,238 |
| Average equity | $6,989,400 | 4,217 |
| Average total loans | $26,335,000 | 4,295 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7029% | 2,046 |
| Cost of funding earning assets | 0.3293% | 1,868 |
| Net interest margin | 3.3736% | 2,059 |
| Noninterest income to average assets | 0.1400% | 4,301 |
| Noninterest expense to average assets | 2.7147% | 1,439 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.5235% | 4,022 |
| Return on assets (ROA) | 0.5235% | 3,969 |
| Pretax return on assets | 0.6367% | 3,923 |
| Return on Equity (ROE) | 4.8100% | 4,013 |
| Retained earnings to average equity (ytd only) | 2.7116% | 3,858 |
| Net charge-offs to loans | -0.0051% | 3,485 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 81.0012% | 714 |
| Assets per employee ($millions) | 8.2805% | 1,180 |
| Cash dividends to net income (ytd only)* | 43.6293% | 1,430 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3956% | 1,621 |
| Loan loss allowance to noncurrent loans | 1,100.0000% | 895 |
| Noncurrent assets plus other real estate owned to assets | 0.0513% | 3,370 |
| Noncurrent loans to loans | 0.1269% | 3,002 |
| Net loans and leases to total assets | 39.8900% | 4,075 |
| Net loans and leases to deposits | 44.1964% | 4,101 |
| Net loans and leases to core deposits | 46.0566% | 4,103 |
| Total domestic deposits to total assets | 90.2600% | 1,546 |
| Equity capital to assets | 9.0333% | 2,189 |
| Core capital (leverage) ratio | 13.0225% | 903 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $65,960,750 | 4,299 |
| Average earning assets | $62,760,750 | 4,264 |
| Average equity | $7,178,750 | 4,233 |
| Average total loans | $26,245,250 | 4,330 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8042% | 1,305 |
| Cost of funding earning assets | 0.3213% | 1,515 |
| Net interest margin | 3.4830% | 1,363 |
| Noninterest income to average assets | 0.1488% | 4,272 |
| Noninterest expense to average assets | 2.6873% | 1,419 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.6407% | 3,507 |
| Return on assets (ROA) | 0.6407% | 3,457 |
| Pretax return on assets | 0.7864% | 3,363 |
| Return on Equity (ROE) | 5.5695% | 3,686 |
| Retained earnings to average equity (ytd only) | 2.5868% | 3,586 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.3601% | 1,141 |
| Assets per employee ($millions) | 8.4499% | 1,087 |
| Cash dividends to net income (ytd only)* | 53.5545% | 1,249 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4147% | 1,696 |
| Loan loss allowance to noncurrent loans | 12,433.3333% | 122 |
| Noncurrent assets plus other real estate owned to assets | 0.0044% | 4,006 |
| Noncurrent loans to loans | 0.0114% | 3,896 |
| Net loans and leases to total assets | 38.4518% | 4,149 |
| Net loans and leases to deposits | 42.9232% | 4,159 |
| Net loans and leases to core deposits | 44.9714% | 4,157 |
| Total domestic deposits to total assets | 89.5827% | 1,904 |
| Equity capital to assets | 9.8670% | 1,792 |
| Core capital (leverage) ratio | 13.0224% | 815 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $65,866,333 | 4,342 |
| Average earning assets | $62,877,333 | 4,316 |
| Average equity | $7,577,000 | 4,247 |
| Average total loans | $26,060,667 | 4,392 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3499% | 407 |
| Cost of funding earning assets | 0.3213% | 1,450 |
| Net interest margin | 4.0286% | 394 |
| Noninterest income to average assets | 0.1415% | 4,300 |
| Noninterest expense to average assets | 2.0923% | 3,169 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.4892% | 647 |
| Return on assets (ROA) | 1.4892% | 641 |
| Pretax return on assets | 1.9077% | 438 |
| Return on Equity (ROE) | 12.0540% | 1,297 |
| Retained earnings to average equity (ytd only) | 12.0540% | 595 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.3077% | 4,179 |
| Assets per employee ($millions) | 8.4896% | 1,125 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4471% | 1,724 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 37.4030% | 4,141 |
| Net loans and leases to deposits | 42.2454% | 4,152 |
| Net loans and leases to core deposits | 43.8648% | 4,167 |
| Total domestic deposits to total assets | 88.5375% | 2,282 |
| Equity capital to assets | 11.1489% | 1,267 |
| Core capital (leverage) ratio | 13.2785% | 710 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $65,000,000 | 4,377 |
| Average earning assets | $62,254,500 | 4,344 |
| Average equity | $8,030,500 | 4,266 |
| Average total loans | $25,908,000 | 4,412 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3472% | 3,061 |
| Cost of funding earning assets | 0.3677% | 1,779 |
| Net interest margin | 2.9795% | 3,253 |
| Noninterest income to average assets | 0.6136% | 2,098 |
| Noninterest expense to average assets | 2.9997% | 981 |
| Loan and lease loss provision to assets | 0.0159% | 2,763 |
| Net operating income to assets | 0.3990% | 4,278 |
| Return on assets (ROA) | 0.3990% | 4,308 |
| Pretax return on assets | 0.4578% | 4,315 |
| Return on Equity (ROE) | 2.8754% | 4,383 |
| Retained earnings to average equity (ytd only) | 0.2979% | 4,416 |
| Net charge-offs to loans | -0.0699% | 4,459 |
| Credit loss provision to net charge-offs | -52.6316% | 3,260 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.3616% | 454 |
| Assets per employee ($millions) | 7.7604% | 1,457 |
| Cash dividends to net income (ytd only)* | 89.6414% | 341 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4324% | 1,797 |
| Loan loss allowance to noncurrent loans | 77.2257% | 3,627 |
| Noncurrent assets plus other real estate owned to assets | 0.7780% | 783 |
| Noncurrent loans to loans | 1.8548% | 440 |
| Net loans and leases to total assets | 41.3430% | 4,010 |
| Net loans and leases to deposits | 48.0691% | 3,991 |
| Net loans and leases to core deposits | 50.3373% | 4,000 |
| Total domestic deposits to total assets | 86.0074% | 2,903 |
| Equity capital to assets | 13.6736% | 730 |
| Core capital (leverage) ratio | 13.0387% | 784 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $62,906,800 | 4,414 |
| Average earning assets | $60,378,800 | 4,379 |
| Average equity | $8,729,200 | 4,266 |
| Average total loans | $27,181,800 | 4,430 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4425% | 2,981 |
| Cost of funding earning assets | 0.3786% | 1,865 |
| Net interest margin | 3.0639% | 3,143 |
| Noninterest income to average assets | 0.7711% | 1,613 |
| Noninterest expense to average assets | 3.0548% | 886 |
| Loan and lease loss provision to assets | 0.0206% | 2,580 |
| Net operating income to assets | 0.5324% | 4,139 |
| Return on assets (ROA) | 0.5324% | 4,184 |
| Pretax return on assets | 0.6359% | 4,178 |
| Return on Equity (ROE) | 3.8228% | 4,331 |
| Retained earnings to average equity (ytd only) | 2.3058% | 4,110 |
| Net charge-offs to loans | 0.0340% | 1,396 |
| Credit loss provision to net charge-offs | 142.8571% | 1,378 |
| Earnings coverage of net charge-offs (x) | 44.4286% | 1,299 |
| Efficiency ratio | 82.2994% | 617 |
| Assets per employee ($millions) | 8.0489% | 1,248 |
| Cash dividends to net income (ytd only)* | 39.6825% | 1,628 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2916% | 2,533 |
| Loan loss allowance to noncurrent loans | 38.0482% | 4,066 |
| Noncurrent assets plus other real estate owned to assets | 1.4163% | 367 |
| Noncurrent loans to loans | 3.3946% | 169 |
| Net loans and leases to total assets | 41.1843% | 4,134 |
| Net loans and leases to deposits | 48.1035% | 4,115 |
| Net loans and leases to core deposits | 50.5904% | 4,102 |
| Total domestic deposits to total assets | 85.6160% | 2,906 |
| Equity capital to assets | 13.6572% | 819 |
| Core capital (leverage) ratio | 13.1153% | 815 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $63,112,750 | 4,474 |
| Average earning assets | $60,575,250 | 4,439 |
| Average equity | $8,789,250 | 4,321 |
| Average total loans | $27,467,250 | 4,483 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4247% | 3,101 |
| Cost of funding earning assets | 0.3890% | 1,979 |
| Net interest margin | 3.0357% | 3,224 |
| Noninterest income to average assets | 1.0911% | 938 |
| Noninterest expense to average assets | 3.3628% | 564 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.5392% | 4,137 |
| Return on assets (ROA) | 0.5392% | 4,183 |
| Pretax return on assets | 0.6413% | 4,172 |
| Return on Equity (ROE) | 3.8463% | 4,357 |
| Retained earnings to average equity (ytd only) | 1.5704% | 4,226 |
| Net charge-offs to loans | 0.0072% | 1,871 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 201.0000% | 494 |
| Efficiency ratio | 83.9841% | 549 |
| Assets per employee ($millions) | 8.1805% | 1,122 |
| Cash dividends to net income (ytd only)* | 59.1716% | 945 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2620% | 2,629 |
| Loan loss allowance to noncurrent loans | 30.6250% | 4,153 |
| Noncurrent assets plus other real estate owned to assets | 1.7114% | 288 |
| Noncurrent loans to loans | 4.1208% | 129 |
| Net loans and leases to total assets | 41.0061% | 4,239 |
| Net loans and leases to deposits | 47.6187% | 4,242 |
| Net loans and leases to core deposits | 49.8922% | 4,238 |
| Total domestic deposits to total assets | 86.1133% | 2,702 |
| Equity capital to assets | 13.2755% | 873 |
| Core capital (leverage) ratio | 13.0881% | 783 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $62,686,667 | 4,505 |
| Average earning assets | $60,150,667 | 4,468 |
| Average equity | $8,787,667 | 4,347 |
| Average total loans | $27,667,667 | 4,514 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5912% | 2,668 |
| Cost of funding earning assets | 0.4157% | 1,967 |
| Net interest margin | 3.1755% | 2,772 |
| Noninterest income to average assets | 1.4549% | 641 |
| Noninterest expense to average assets | 2.4140% | 2,455 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.6246% | 1,070 |
| Return on assets (ROA) | 1.6246% | 1,126 |
| Pretax return on assets | 2.0813% | 827 |
| Return on Equity (ROE) | 11.2702% | 2,285 |
| Retained earnings to average equity (ytd only) | 11.2702% | 1,328 |
| Net charge-offs to loans | -0.0143% | 3,839 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.7010% | 3,821 |
| Assets per employee ($millions) | 7.8474% | 1,260 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2192% | 2,823 |
| Loan loss allowance to noncurrent loans | 28.3251% | 4,231 |
| Noncurrent assets plus other real estate owned to assets | 1.9401% | 270 |
| Noncurrent loans to loans | 4.3043% | 122 |
| Net loans and leases to total assets | 44.5244% | 4,079 |
| Net loans and leases to deposits | 52.1337% | 4,039 |
| Net loans and leases to core deposits | 55.6325% | 3,997 |
| Total domestic deposits to total assets | 85.4044% | 2,963 |
| Equity capital to assets | 14.0047% | 672 |
| Core capital (leverage) ratio | 13.8801% | 673 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $61,308,000 | 4,544 |
| Average earning assets | $58,699,500 | 4,504 |
| Average equity | $8,837,500 | 4,351 |
| Average total loans | $27,912,000 | 4,532 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9356% | 2,919 |
| Cost of funding earning assets | 0.6900% | 1,771 |
| Net interest margin | 3.2456% | 3,227 |
| Noninterest income to average assets | 0.2216% | 4,170 |
| Noninterest expense to average assets | 2.6775% | 2,302 |
| Loan and lease loss provision to assets | 0.0631% | 3,588 |
| Net operating income to assets | 0.4958% | 4,037 |
| Return on assets (ROA) | 0.4973% | 4,120 |
| Pretax return on assets | 0.5766% | 4,128 |
| Return on Equity (ROE) | 3.1602% | 4,338 |
| Retained earnings to average equity (ytd only) | 0.8702% | 4,267 |
| Net charge-offs to loans | 0.0328% | 2,385 |
| Credit loss provision to net charge-offs | 388.8889% | 1,466 |
| Earnings coverage of net charge-offs (x) | 39.3333% | 1,406 |
| Efficiency ratio | 80.7609% | 832 |
| Assets per employee ($millions) | 7.4796% | 1,296 |
| Cash dividends to net income (ytd only)* | 72.4638% | 872 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2497% | 2,688 |
| Loan loss allowance to noncurrent loans | 23.0100% | 4,343 |
| Noncurrent assets plus other real estate owned to assets | 2.5569% | 175 |
| Noncurrent loans to loans | 5.4310% | 67 |
| Net loans and leases to total assets | 45.4284% | 4,169 |
| Net loans and leases to deposits | 53.7926% | 4,123 |
| Net loans and leases to core deposits | 56.8563% | 4,112 |
| Total domestic deposits to total assets | 84.4511% | 2,966 |
| Equity capital to assets | 14.8453% | 597 |
| Core capital (leverage) ratio | 14.2933% | 634 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $55,499,200 | 4,582 |
| Average earning assets | $52,902,000 | 4,542 |
| Average equity | $8,733,600 | 4,346 |
| Average total loans | $27,475,200 | 4,567 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0250% | 2,900 |
| Cost of funding earning assets | 0.7484% | 1,758 |
| Net interest margin | 3.2766% | 3,256 |
| Noninterest income to average assets | 0.2524% | 3,964 |
| Noninterest expense to average assets | 2.6463% | 2,395 |
| Loan and lease loss provision to assets | 0.0864% | 3,231 |
| Net operating income to assets | 0.5517% | 3,908 |
| Return on assets (ROA) | 0.5538% | 3,989 |
| Pretax return on assets | 0.6444% | 4,021 |
| Return on Equity (ROE) | 3.4650% | 4,298 |
| Retained earnings to average equity (ytd only) | 2.3151% | 3,820 |
| Net charge-offs to loans | -0.0340% | 4,567 |
| Credit loss provision to net charge-offs | -500.0000% | 3,789 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.4314% | 993 |
| Assets per employee ($millions) | 7.1234% | 1,416 |
| Cash dividends to net income (ytd only)* | 33.1858% | 2,219 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2693% | 2,303 |
| Loan loss allowance to noncurrent loans | 23.8411% | 4,381 |
| Noncurrent assets plus other real estate owned to assets | 2.7111% | 179 |
| Noncurrent loans to loans | 5.3238% | 90 |
| Net loans and leases to total assets | 49.1393% | 4,142 |
| Net loans and leases to deposits | 58.9909% | 4,120 |
| Net loans and leases to core deposits | 61.9823% | 4,110 |
| Total domestic deposits to total assets | 83.2997% | 3,061 |
| Equity capital to assets | 15.6720% | 514 |
| Core capital (leverage) ratio | 15.2427% | 504 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $54,414,750 | 4,617 |
| Average earning assets | $51,841,500 | 4,578 |
| Average equity | $8,696,250 | 4,366 |
| Average total loans | $27,462,250 | 4,595 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0673% | 3,137 |
| Cost of funding earning assets | 0.7883% | 1,884 |
| Net interest margin | 3.2789% | 3,438 |
| Noninterest income to average assets | 0.2614% | 3,905 |
| Noninterest expense to average assets | 2.6738% | 2,460 |
| Loan and lease loss provision to assets | 0.1307% | 2,713 |
| Net operating income to assets | 0.5041% | 4,010 |
| Return on assets (ROA) | 0.5041% | 4,083 |
| Pretax return on assets | 0.5788% | 4,098 |
| Return on Equity (ROE) | 3.1330% | 4,320 |
| Retained earnings to average equity (ytd only) | 1.3924% | 3,975 |
| Net charge-offs to loans | -0.0442% | 4,654 |
| Credit loss provision to net charge-offs | -583.3333% | 3,639 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.0287% | 961 |
| Assets per employee ($millions) | 6.8035% | 1,557 |
| Cash dividends to net income (ytd only)* | 55.5556% | 1,367 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2768% | 2,120 |
| Loan loss allowance to noncurrent loans | 22.6356% | 4,445 |
| Noncurrent assets plus other real estate owned to assets | 2.9139% | 169 |
| Noncurrent loans to loans | 5.6405% | 84 |
| Net loans and leases to total assets | 51.0013% | 4,099 |
| Net loans and leases to deposits | 61.5226% | 4,037 |
| Net loans and leases to core deposits | 65.1390% | 4,015 |
| Total domestic deposits to total assets | 82.8985% | 3,112 |
| Equity capital to assets | 16.1626% | 451 |
| Core capital (leverage) ratio | 15.2889% | 532 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $53,557,333 | 4,642 |
| Average earning assets | $50,992,667 | 4,604 |
| Average equity | $8,618,000 | 4,389 |
| Average total loans | $27,162,000 | 4,617 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1148% | 3,485 |
| Cost of funding earning assets | 0.8467% | 2,128 |
| Net interest margin | 3.2681% | 3,670 |
| Noninterest income to average assets | 0.1958% | 4,376 |
| Noninterest expense to average assets | 2.2891% | 3,793 |
| Loan and lease loss provision to assets | 0.1882% | 1,587 |
| Net operating income to assets | 0.6927% | 3,301 |
| Return on assets (ROA) | 0.6927% | 3,369 |
| Pretax return on assets | 0.8283% | 3,340 |
| Return on Equity (ROE) | 4.3149% | 3,863 |
| Retained earnings to average equity (ytd only) | 4.3149% | 2,565 |
| Net charge-offs to loans | 0.0750% | 1,273 |
| Credit loss provision to net charge-offs | 500.0000% | 869 |
| Earnings coverage of net charge-offs (x) | 27.0000% | 1,241 |
| Efficiency ratio | 69.2483% | 2,475 |
| Assets per employee ($millions) | 6.6013% | 1,295 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2487% | 2,399 |
| Loan loss allowance to noncurrent loans | 19.1501% | 4,516 |
| Noncurrent assets plus other real estate owned to assets | 3.3422% | 156 |
| Noncurrent loans to loans | 6.5204% | 65 |
| Net loans and leases to total assets | 50.6173% | 4,206 |
| Net loans and leases to deposits | 60.9448% | 4,164 |
| Net loans and leases to core deposits | 64.0018% | 4,167 |
| Total domestic deposits to total assets | 83.0543% | 3,093 |
| Equity capital to assets | 16.3549% | 526 |
| Core capital (leverage) ratio | 15.5290% | 595 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $53,122,000 | 4,665 |
| Average earning assets | $50,549,000 | 4,628 |
| Average equity | $8,528,500 | 4,423 |
| Average total loans | $26,684,000 | 4,661 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3354% | 3,439 |
| Cost of funding earning assets | 0.9392% | 2,013 |
| Net interest margin | 3.3962% | 3,756 |
| Noninterest income to average assets | 0.1557% | 4,712 |
| Noninterest expense to average assets | 2.8599% | 2,413 |
| Loan and lease loss provision to assets | 0.0649% | 2,730 |
| Net operating income to assets | 0.4311% | 4,542 |
| Return on assets (ROA) | 0.4207% | 4,589 |
| Pretax return on assets | 0.4504% | 4,641 |
| Return on Equity (ROE) | 2.7165% | 4,705 |
| Retained earnings to average equity (ytd only) | 0.9215% | 4,414 |
| Net charge-offs to loans | 0.2814% | 744 |
| Credit loss provision to net charge-offs | 45.4545% | 3,161 |
| Earnings coverage of net charge-offs (x) | 3.6883% | 3,294 |
| Efficiency ratio | 84.4554% | 631 |
| Assets per employee ($millions) | 6.6793% | 1,190 |
| Cash dividends to net income (ytd only)* | 66.0793% | 1,286 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2092% | 2,385 |
| Loan loss allowance to noncurrent loans | 19.6054% | 4,541 |
| Noncurrent assets plus other real estate owned to assets | 3.0355% | 175 |
| Noncurrent loans to loans | 6.1675% | 67 |
| Net loans and leases to total assets | 48.6226% | 4,393 |
| Net loans and leases to deposits | 58.0880% | 4,371 |
| Net loans and leases to core deposits | 61.2196% | 4,379 |
| Total domestic deposits to total assets | 83.7051% | 2,950 |
| Equity capital to assets | 15.7578% | 646 |
| Core capital (leverage) ratio | 15.1854% | 650 |
| Tier 1 risk-based capital ratio | 26.8534% | 627 |
| Total risk-based capital ratio | 27.8974% | 626 |
| Memoranda: | ||
| Average total assets | $53,953,200 | 4,681 |
| Average earning assets | $51,321,400 | 4,649 |
| Average equity | $8,356,200 | 4,465 |
| Average total loans | $27,362,600 | 4,700 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3165% | 3,610 |
| Cost of funding earning assets | 0.9503% | 1,987 |
| Net interest margin | 3.3662% | 3,947 |
| Noninterest income to average assets | 0.1800% | 4,645 |
| Noninterest expense to average assets | 2.7611% | 2,683 |
| Loan and lease loss provision to assets | 0.0863% | 2,193 |
| Net operating income to assets | 0.4994% | 4,515 |
| Return on assets (ROA) | 0.4857% | 4,597 |
| Pretax return on assets | 0.5226% | 4,666 |
| Return on Equity (ROE) | 3.1493% | 4,745 |
| Retained earnings to average equity (ytd only) | 1.9503% | 4,293 |
| Net charge-offs to loans | 0.3137% | 553 |
| Credit loss provision to net charge-offs | 53.8462% | 2,755 |
| Earnings coverage of net charge-offs (x) | 3.8925% | 3,065 |
| Efficiency ratio | 81.5732% | 789 |
| Assets per employee ($millions) | 6.0119% | 1,598 |
| Cash dividends to net income (ytd only)* | 38.0720% | 2,239 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2726% | 2,103 |
| Loan loss allowance to noncurrent loans | 19.5962% | 4,619 |
| Noncurrent assets plus other real estate owned to assets | 3.1770% | 167 |
| Noncurrent loans to loans | 6.4942% | 63 |
| Net loans and leases to total assets | 47.3155% | 4,531 |
| Net loans and leases to deposits | 56.6707% | 4,528 |
| Net loans and leases to core deposits | 59.5151% | 4,551 |
| Total domestic deposits to total assets | 83.4920% | 3,001 |
| Equity capital to assets | 15.6856% | 702 |
| Core capital (leverage) ratio | 15.5585% | 632 |
| Tier 1 risk-based capital ratio | 27.7549% | 590 |
| Total risk-based capital ratio | 28.8697% | 588 |
| Memoranda: | ||
| Average total assets | $54,083,000 | 4,749 |
| Average earning assets | $51,491,000 | 4,714 |
| Average equity | $8,340,250 | 4,518 |
| Average total loans | $27,628,500 | 4,760 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3671% | 3,430 |
| Cost of funding earning assets | 0.9544% | 1,889 |
| Net interest margin | 3.4126% | 3,857 |
| Noninterest income to average assets | 0.1886% | 4,625 |
| Noninterest expense to average assets | 2.7850% | 2,641 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.5785% | 4,363 |
| Return on assets (ROA) | 0.5585% | 4,438 |
| Pretax return on assets | 0.6214% | 4,500 |
| Return on Equity (ROE) | 3.6424% | 4,662 |
| Retained earnings to average equity (ytd only) | 1.8332% | 4,165 |
| Net charge-offs to loans | 0.1277% | 1,177 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 9.6667% | 2,327 |
| Efficiency ratio | 81.2298% | 858 |
| Assets per employee ($millions) | 6.1100% | 1,463 |
| Cash dividends to net income (ytd only)* | 49.6689% | 1,813 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2291% | 2,366 |
| Loan loss allowance to noncurrent loans | 26.8082% | 4,596 |
| Noncurrent assets plus other real estate owned to assets | 2.3131% | 345 |
| Noncurrent loans to loans | 4.5848% | 128 |
| Net loans and leases to total assets | 49.8327% | 4,478 |
| Net loans and leases to deposits | 61.6477% | 4,346 |
| Net loans and leases to core deposits | 64.8132% | 4,371 |
| Total domestic deposits to total assets | 80.8347% | 3,866 |
| Equity capital to assets | 15.3210% | 742 |
| Core capital (leverage) ratio | 15.0035% | 706 |
| Tier 1 risk-based capital ratio | 26.1519% | 677 |
| Total risk-based capital ratio | 27.2431% | 673 |
| Memoranda: | ||
| Average total assets | $54,075,000 | 4,786 |
| Average earning assets | $51,338,670 | 4,757 |
| Average equity | $8,291,330 | 4,542 |
| Average total loans | $28,194,330 | 4,781 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1941% | 3,888 |
| Cost of funding earning assets | 0.9346% | 1,866 |
| Net interest margin | 3.2595% | 4,251 |
| Noninterest income to average assets | 0.1790% | 4,676 |
| Noninterest expense to average assets | 2.4320% | 3,674 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.7407% | 3,800 |
| Return on assets (ROA) | 0.7013% | 3,972 |
| Pretax return on assets | 0.7982% | 4,048 |
| Return on Equity (ROE) | 4.5717% | 4,453 |
| Retained earnings to average equity (ytd only) | 4.5717% | 3,099 |
| Net charge-offs to loans | 0.0985% | 1,151 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 16.1429% | 1,710 |
| Efficiency ratio | 74.2597% | 1,722 |
| Assets per employee ($millions) | 5.9622% | 1,580 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2628% | 2,259 |
| Loan loss allowance to noncurrent loans | 28.7805% | 4,637 |
| Noncurrent assets plus other real estate owned to assets | 2.2922% | 372 |
| Noncurrent loans to loans | 4.3877% | 154 |
| Net loans and leases to total assets | 51.5822% | 4,368 |
| Net loans and leases to deposits | 63.7794% | 4,194 |
| Net loans and leases to core deposits | 66.4466% | 4,264 |
| Total domestic deposits to total assets | 80.8759% | 3,992 |
| Equity capital to assets | 15.5348% | 645 |
| Core capital (leverage) ratio | 15.2214% | 651 |
| Tier 1 risk-based capital ratio | 24.3359% | 816 |
| Total risk-based capital ratio | 25.3801% | 814 |
| Memoranda: | ||
| Average total assets | $53,617,500 | 4,845 |
| Average earning assets | $50,928,500 | 4,811 |
| Average equity | $8,224,500 | 4,588 |
| Average total loans | $28,419,500 | 4,827 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4905% | 2,485 |
| Cost of funding earning assets | 0.6931% | 2,134 |
| Net interest margin | 3.7974% | 2,665 |
| Noninterest income to average assets | 0.1251% | 5,057 |
| Noninterest expense to average assets | 2.8655% | 2,464 |
| Loan and lease loss provision to assets | 0.1027% | 2,140 |
| Net operating income to assets | 0.6664% | 4,241 |
| Return on assets (ROA) | 0.6534% | 4,279 |
| Pretax return on assets | 0.7523% | 4,285 |
| Return on Equity (ROE) | 4.3281% | 4,621 |
| Retained earnings to average equity (ytd only) | 1.8549% | 4,407 |
| Net charge-offs to loans | 0.0370% | 2,663 |
| Credit loss provision to net charge-offs | 550.0000% | 635 |
| Earnings coverage of net charge-offs (x) | 46.6000% | 1,185 |
| Efficiency ratio | 76.7116% | 1,265 |
| Assets per employee ($millions) | 5.9528% | 1,557 |
| Cash dividends to net income (ytd only)* | 57.1429% | 1,631 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2497% | 2,300 |
| Loan loss allowance to noncurrent loans | 60.2007% | 4,109 |
| Noncurrent assets plus other real estate owned to assets | 1.1162% | 1,198 |
| Noncurrent loans to loans | 2.0760% | 644 |
| Net loans and leases to total assets | 53.0957% | 4,346 |
| Net loans and leases to deposits | 64.9719% | 4,189 |
| Net loans and leases to core deposits | 67.3661% | 4,277 |
| Total domestic deposits to total assets | 81.7210% | 3,715 |
| Equity capital to assets | 15.1433% | 682 |
| Core capital (leverage) ratio | 15.3772% | 614 |
| Tier 1 risk-based capital ratio | 23.7649% | 841 |
| Total risk-based capital ratio | 24.8117% | 837 |
| Memoranda: | ||
| Average total assets | $53,567,800 | 4,878 |
| Average earning assets | $50,929,800 | 4,838 |
| Average equity | $8,086,600 | 4,596 |
| Average total loans | $26,995,800 | 4,887 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4336% | 2,521 |
| Cost of funding earning assets | 0.6461% | 2,171 |
| Net interest margin | 3.7875% | 2,694 |
| Noninterest income to average assets | 0.0921% | 5,235 |
| Noninterest expense to average assets | 2.7504% | 2,810 |
| Loan and lease loss provision to assets | 0.0747% | 2,461 |
| Net operating income to assets | 0.7467% | 4,087 |
| Return on assets (ROA) | 0.7467% | 4,097 |
| Pretax return on assets | 0.8712% | 4,118 |
| Return on Equity (ROE) | 4.9504% | 4,582 |
| Retained earnings to average equity (ytd only) | 3.3002% | 4,103 |
| Net charge-offs to loans | -0.0352% | 4,804 |
| Credit loss provision to net charge-offs | -428.5714% | 4,461 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4108% | 1,529 |
| Assets per employee ($millions) | 5.8971% | 1,578 |
| Cash dividends to net income (ytd only)* | 33.3333% | 2,384 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2314% | 2,445 |
| Loan loss allowance to noncurrent loans | 205.8480% | 2,199 |
| Noncurrent assets plus other real estate owned to assets | 0.3222% | 3,400 |
| Noncurrent loans to loans | 0.5982% | 2,588 |
| Net loans and leases to total assets | 53.1974% | 4,406 |
| Net loans and leases to deposits | 64.4318% | 4,307 |
| Net loans and leases to core deposits | 66.6840% | 4,373 |
| Total domestic deposits to total assets | 82.5640% | 3,445 |
| Equity capital to assets | 15.1976% | 675 |
| Core capital (leverage) ratio | 15.3396% | 624 |
| Tier 1 risk-based capital ratio | 26.4566% | 653 |
| Total risk-based capital ratio | 27.5848% | 649 |
| Memoranda: | ||
| Average total assets | $53,566,000 | 4,937 |
| Average earning assets | $50,973,250 | 4,889 |
| Average equity | $8,080,000 | 4,639 |
| Average total loans | $26,543,250 | 4,954 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2925% | 2,787 |
| Cost of funding earning assets | 0.5590% | 2,527 |
| Net interest margin | 3.7334% | 2,813 |
| Noninterest income to average assets | 0.0931% | 5,286 |
| Noninterest expense to average assets | 2.7396% | 2,880 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.7705% | 3,956 |
| Return on assets (ROA) | 0.7705% | 3,960 |
| Pretax return on assets | 0.9082% | 3,939 |
| Return on Equity (ROE) | 5.1208% | 4,519 |
| Retained earnings to average equity (ytd only) | 2.6470% | 4,194 |
| Net charge-offs to loans | -0.0464% | 4,895 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1020% | 1,545 |
| Assets per employee ($millions) | 6.1254% | 1,384 |
| Cash dividends to net income (ytd only)* | 48.3092% | 1,744 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1243% | 3,126 |
| Loan loss allowance to noncurrent loans | 3,210.0000% | 226 |
| Noncurrent assets plus other real estate owned to assets | 0.0181% | 4,943 |
| Noncurrent loans to loans | 0.0350% | 4,757 |
| Net loans and leases to total assets | 51.2054% | 4,526 |
| Net loans and leases to deposits | 62.2566% | 4,406 |
| Net loans and leases to core deposits | 64.8317% | 4,439 |
| Total domestic deposits to total assets | 82.2489% | 3,644 |
| Equity capital to assets | 14.5785% | 786 |
| Core capital (leverage) ratio | 15.1564% | 638 |
| Tier 1 risk-based capital ratio | 26.5411% | 633 |
| Total risk-based capital ratio | 27.5874% | 636 |
| Memoranda: | ||
| Average total assets | $53,730,000 | 4,989 |
| Average earning assets | $51,159,330 | 4,945 |
| Average equity | $8,084,670 | 4,680 |
| Average total loans | $25,862,330 | 5,026 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2489% | 2,713 |
| Cost of funding earning assets | 0.5480% | 2,419 |
| Net interest margin | 3.7009% | 2,794 |
| Noninterest income to average assets | 0.0981% | 5,339 |
| Noninterest expense to average assets | 2.2402% | 4,328 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.1163% | 2,349 |
| Return on assets (ROA) | 1.1163% | 2,370 |
| Pretax return on assets | 1.3728% | 2,091 |
| Return on Equity (ROE) | 7.3010% | 3,665 |
| Retained earnings to average equity (ytd only) | 7.3010% | 2,149 |
| Net charge-offs to loans | 0.0326% | 1,851 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 91.0000% | 650 |
| Efficiency ratio | 62.0042% | 3,783 |
| Assets per employee ($millions) | 5.9613% | 1,544 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2844% | 2,316 |
| Loan loss allowance to noncurrent loans | 3,912.5000% | 197 |
| Noncurrent assets plus other real estate owned to assets | 0.0149% | 5,051 |
| Noncurrent loans to loans | 0.0328% | 4,827 |
| Net loans and leases to total assets | 44.8390% | 4,860 |
| Net loans and leases to deposits | 53.0287% | 4,839 |
| Net loans and leases to core deposits | 54.7422% | 4,889 |
| Total domestic deposits to total assets | 84.5560% | 3,096 |
| Equity capital to assets | 15.1402% | 640 |
| Core capital (leverage) ratio | 15.4602% | 559 |
| Tier 1 risk-based capital ratio | 30.4546% | 455 |
| Total risk-based capital ratio | 31.6217% | 454 |
| Memoranda: | ||
| Average total assets | $53,030,500 | 5,058 |
| Average earning assets | $50,366,500 | 5,023 |
| Average equity | $8,108,500 | 4,726 |
| Average total loans | $24,518,500 | 5,127 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1976% | 2,691 |
| Cost of funding earning assets | 0.5249% | 2,143 |
| Net interest margin | 3.6726% | 2,905 |
| Noninterest income to average assets | 0.1365% | 5,264 |
| Noninterest expense to average assets | 2.8358% | 2,662 |
| Loan and lease loss provision to assets | 0.1495% | 1,515 |
| Net operating income to assets | 0.5702% | 4,141 |
| Return on assets (ROA) | 0.5702% | 4,176 |
| Pretax return on assets | 0.6431% | 4,641 |
| Return on Equity (ROE) | 3.7298% | 4,594 |
| Retained earnings to average equity (ytd only) | 1.2840% | 4,510 |
| Net charge-offs to loans | 0.1977% | 1,296 |
| Credit loss provision to net charge-offs | 163.2653% | 1,642 |
| Earnings coverage of net charge-offs (x) | 8.6531% | 2,883 |
| Efficiency ratio | 78.1556% | 1,326 |
| Assets per employee ($millions) | 5.8232% | 1,634 |
| Cash dividends to net income (ytd only)* | 65.5738% | 1,476 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2770% | 2,334 |
| Loan loss allowance to noncurrent loans | 393.7500% | 1,346 |
| Noncurrent assets plus other real estate owned to assets | 0.1526% | 4,373 |
| Noncurrent loans to loans | 0.3243% | 3,604 |
| Net loans and leases to total assets | 46.4653% | 4,860 |
| Net loans and leases to deposits | 55.1962% | 4,843 |
| Net loans and leases to core deposits | 57.3663% | 4,882 |
| Total domestic deposits to total assets | 84.1821% | 3,131 |
| Equity capital to assets | 15.3409% | 616 |
| Core capital (leverage) ratio | 15.2193% | 582 |
| Tier 1 risk-based capital ratio | 29.5934% | 475 |
| Total risk-based capital ratio | 30.7621% | 473 |
| Memoranda: | ||
| Average total assets | $53,494,600 | 5,092 |
| Average earning assets | $50,862,800 | 5,044 |
| Average equity | $8,177,400 | 4,757 |
| Average total loans | $24,783,000 | 5,165 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1589% | 2,761 |
| Cost of funding earning assets | 0.5156% | 2,144 |
| Net interest margin | 3.6433% | 2,983 |
| Noninterest income to average assets | 0.1190% | 5,405 |
| Noninterest expense to average assets | 2.2492% | 4,420 |
| Loan and lease loss provision to assets | 0.1984% | 960 |
| Net operating income to assets | 0.8729% | 3,161 |
| Return on assets (ROA) | 0.8729% | 3,210 |
| Pretax return on assets | 1.1407% | 3,156 |
| Return on Equity (ROE) | 5.7152% | 4,239 |
| Retained earnings to average equity (ytd only) | 4.0916% | 3,488 |
| Net charge-offs to loans | 0.2311% | 933 |
| Credit loss provision to net charge-offs | 186.0465% | 1,429 |
| Earnings coverage of net charge-offs (x) | 12.5585% | 2,421 |
| Efficiency ratio | 62.6814% | 3,778 |
| Assets per employee ($millions) | 5.8882% | 1,578 |
| Cash dividends to net income (ytd only)* | 28.4092% | 2,816 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2511% | 2,637 |
| Loan loss allowance to noncurrent loans | 1,284.0000% | 498 |
| Noncurrent assets plus other real estate owned to assets | 0.0472% | 4,996 |
| Noncurrent loans to loans | 0.0974% | 4,675 |
| Net loans and leases to total assets | 47.8092% | 4,839 |
| Net loans and leases to deposits | 58.4034% | 4,732 |
| Net loans and leases to core deposits | 60.2894% | 4,803 |
| Total domestic deposits to total assets | 81.8602% | 3,818 |
| Equity capital to assets | 15.7339% | 594 |
| Core capital (leverage) ratio | 15.3653% | 602 |
| Tier 1 risk-based capital ratio | 29.0076% | 518 |
| Total risk-based capital ratio | 30.1539% | 515 |
| Memoranda: | ||
| Average total assets | $53,766,000 | 5,145 |
| Average earning assets | $51,198,250 | 5,100 |
| Average equity | $8,211,750 | 4,798 |
| Average total loans | $24,812,000 | 5,220 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1111% | 2,791 |
| Cost of funding earning assets | 0.5051% | 2,127 |
| Net interest margin | 3.6059% | 3,014 |
| Noninterest income to average assets | 0.1037% | 5,503 |
| Noninterest expense to average assets | 2.1842% | 4,587 |
| Loan and lease loss provision to assets | 0.1481% | 1,374 |
| Net operating income to assets | 0.9181% | 2,813 |
| Return on assets (ROA) | 0.9181% | 2,866 |
| Pretax return on assets | 1.2069% | 2,743 |
| Return on Equity (ROE) | 6.0712% | 4,015 |
| Retained earnings to average equity (ytd only) | 3.6232% | 3,552 |
| Net charge-offs to loans | 0.1223% | 1,427 |
| Credit loss provision to net charge-offs | 266.6667% | 1,038 |
| Earnings coverage of net charge-offs (x) | 24.4000% | 1,644 |
| Efficiency ratio | 61.7155% | 4,046 |
| Assets per employee ($millions) | 5.9470% | 1,504 |
| Cash dividends to net income (ytd only)* | 40.3226% | 2,313 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2314% | 2,823 |
| Loan loss allowance to noncurrent loans | 423.2877% | 1,199 |
| Noncurrent assets plus other real estate owned to assets | 0.1364% | 4,643 |
| Noncurrent loans to loans | 0.2909% | 3,999 |
| Net loans and leases to total assets | 46.3053% | 4,936 |
| Net loans and leases to deposits | 55.2770% | 4,891 |
| Net loans and leases to core deposits | 57.1903% | 4,941 |
| Total domestic deposits to total assets | 83.7696% | 3,297 |
| Equity capital to assets | 15.4625% | 621 |
| Core capital (leverage) ratio | 14.9333% | 645 |
| Tier 1 risk-based capital ratio | 27.3018% | 590 |
| Total risk-based capital ratio | 28.3536% | 590 |
| Memoranda: | ||
| Average total assets | $54,023,330 | 5,172 |
| Average earning assets | $51,470,670 | 5,127 |
| Average equity | $8,169,670 | 4,831 |
| Average total loans | $24,530,330 | 5,266 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0532% | 2,840 |
| Cost of funding earning assets | 0.5192% | 1,941 |
| Net interest margin | 3.5339% | 3,150 |
| Noninterest income to average assets | 0.1032% | 5,578 |
| Noninterest expense to average assets | 2.0931% | 4,869 |
| Loan and lease loss provision to assets | 0.1843% | 930 |
| Net operating income to assets | 0.9729% | 2,424 |
| Return on assets (ROA) | 0.9729% | 2,477 |
| Pretax return on assets | 1.1866% | 2,645 |
| Return on Equity (ROE) | 6.5053% | 3,660 |
| Retained earnings to average equity (ytd only) | 6.5053% | 2,076 |
| Net charge-offs to loans | 0.1979% | 872 |
| Credit loss provision to net charge-offs | 208.3333% | 993 |
| Earnings coverage of net charge-offs (x) | 15.5000% | 1,671 |
| Efficiency ratio | 60.4255% | 4,407 |
| Assets per employee ($millions) | 6.1221% | 1,411 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2191% | 3,016 |
| Loan loss allowance to noncurrent loans | 221.6418% | 2,078 |
| Noncurrent assets plus other real estate owned to assets | 0.2432% | 4,249 |
| Noncurrent loans to loans | 0.5500% | 3,165 |
| Net loans and leases to total assets | 43.6777% | 5,056 |
| Net loans and leases to deposits | 51.7159% | 5,044 |
| Net loans and leases to core deposits | 53.7728% | 5,072 |
| Total domestic deposits to total assets | 84.4571% | 3,306 |
| Equity capital to assets | 14.8877% | 678 |
| Core capital (leverage) ratio | 14.8140% | 645 |
| Tier 1 risk-based capital ratio | 26.4796% | 660 |
| Total risk-based capital ratio | 27.4622% | 660 |
| Memoranda: | ||
| Average total assets | $54,273,500 | 5,218 |
| Average earning assets | $51,614,000 | 5,180 |
| Average equity | $8,116,500 | 4,882 |
| Average total loans | $24,249,000 | 5,329 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9823% | 3,259 |
| Cost of funding earning assets | 0.4687% | 2,368 |
| Net interest margin | 3.5136% | 3,378 |
| Noninterest income to average assets | 0.0686% | 5,727 |
| Noninterest expense to average assets | 2.6477% | 3,532 |
| Loan and lease loss provision to assets | 0.1853% | 1,275 |
| Net operating income to assets | 0.5455% | 4,449 |
| Return on assets (ROA) | 0.5503% | 4,535 |
| Pretax return on assets | 0.6300% | 4,707 |
| Return on Equity (ROE) | 3.5773% | 4,991 |
| Retained earnings to average equity (ytd only) | 1.1683% | 4,822 |
| Net charge-offs to loans | 0.2075% | 1,343 |
| Credit loss provision to net charge-offs | 212.7660% | 1,338 |
| Earnings coverage of net charge-offs (x) | 9.2979% | 2,766 |
| Efficiency ratio | 76.5809% | 1,905 |
| Assets per employee ($millions) | 6.6810% | 1,061 |
| Cash dividends to net income (ytd only)* | 67.3401% | 1,442 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1767% | 3,263 |
| Loan loss allowance to noncurrent loans | 383.7838% | 1,327 |
| Noncurrent assets plus other real estate owned to assets | 0.1385% | 4,754 |
| Noncurrent loans to loans | 0.3066% | 4,040 |
| Net loans and leases to total assets | 44.6247% | 5,080 |
| Net loans and leases to deposits | 52.9234% | 5,065 |
| Net loans and leases to core deposits | 55.3169% | 5,083 |
| Total domestic deposits to total assets | 84.3193% | 3,310 |
| Equity capital to assets | 15.0239% | 641 |
| Core capital (leverage) ratio | 14.8874% | 619 |
| Tier 1 risk-based capital ratio | 26.7773% | 637 |
| Total risk-based capital ratio | 27.7434% | 641 |
| Memoranda: | ||
| Average total assets | $53,971,000 | 5,266 |
| Average earning assets | $52,055,000 | 5,206 |
| Average equity | $8,302,400 | 4,885 |
| Average total loans | $22,651,800 | 5,429 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9422% | 3,450 |
| Cost of funding earning assets | 0.4663% | 2,408 |
| Net interest margin | 3.4758% | 3,554 |
| Noninterest income to average assets | 0.0370% | 5,863 |
| Noninterest expense to average assets | 2.2722% | 4,598 |
| Loan and lease loss provision to assets | 0.1848% | 1,183 |
| Net operating income to assets | 0.7305% | 3,691 |
| Return on assets (ROA) | 0.7344% | 3,807 |
| Pretax return on assets | 0.9463% | 3,825 |
| Return on Equity (ROE) | 4.7467% | 4,619 |
| Retained earnings to average equity (ytd only) | 3.5521% | 3,766 |
| Net charge-offs to loans | 0.1975% | 1,187 |
| Credit loss provision to net charge-offs | 227.2727% | 1,299 |
| Earnings coverage of net charge-offs (x) | 13.8482% | 2,278 |
| Efficiency ratio | 66.8600% | 3,450 |
| Assets per employee ($millions) | 7.5349% | 710 |
| Cash dividends to net income (ytd only)* | 25.1686% | 3,017 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1608% | 3,482 |
| Loan loss allowance to noncurrent loans | 257.5472% | 1,841 |
| Noncurrent assets plus other real estate owned to assets | 0.2010% | 4,627 |
| Noncurrent loans to loans | 0.4507% | 3,660 |
| Net loans and leases to total assets | 44.0733% | 5,182 |
| Net loans and leases to deposits | 53.3275% | 5,148 |
| Net loans and leases to core deposits | 55.4943% | 5,172 |
| Total domestic deposits to total assets | 82.6464% | 3,726 |
| Equity capital to assets | 16.0758% | 545 |
| Core capital (leverage) ratio | 15.0845% | 612 |
| Tier 1 risk-based capital ratio | 27.7308% | 596 |
| Total risk-based capital ratio | 28.6769% | 605 |
| Memoranda: | ||
| Average total assets | $54,101,750 | 5,312 |
| Average earning assets | $52,321,750 | 5,246 |
| Average equity | $8,370,500 | 4,919 |
| Average total loans | $22,281,000 | 5,490 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8447% | 3,790 |
| Cost of funding earning assets | 0.4608% | 2,469 |
| Net interest margin | 3.3839% | 3,951 |
| Noninterest income to average assets | 0.0257% | 5,962 |
| Noninterest expense to average assets | 2.0493% | 5,172 |
| Loan and lease loss provision to assets | 0.1650% | 1,363 |
| Net operating income to assets | 0.8350% | 3,151 |
| Return on assets (ROA) | 0.8322% | 3,299 |
| Pretax return on assets | 1.0925% | 3,228 |
| Return on Equity (ROE) | 5.4473% | 4,312 |
| Retained earnings to average equity (ytd only) | 3.6476% | 3,572 |
| Net charge-offs to loans | 0.3110% | 763 |
| Credit loss provision to net charge-offs | 132.3529% | 1,752 |
| Earnings coverage of net charge-offs (x) | 10.1176% | 2,355 |
| Efficiency ratio | 61.9048% | 4,361 |
| Assets per employee ($millions) | 6.9626% | 889 |
| Cash dividends to net income (ytd only)* | 33.0396% | 2,718 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1003% | 3,945 |
| Loan loss allowance to noncurrent loans | 672.2222% | 825 |
| Noncurrent assets plus other real estate owned to assets | 0.0646% | 5,299 |
| Noncurrent loans to loans | 0.1637% | 4,787 |
| Net loans and leases to total assets | 39.0514% | 5,466 |
| Net loans and leases to deposits | 46.6461% | 5,475 |
| Net loans and leases to core deposits | 48.6633% | 5,477 |
| Total domestic deposits to total assets | 83.7184% | 3,379 |
| Equity capital to assets | 15.1972% | 692 |
| Core capital (leverage) ratio | 14.6175% | 692 |
| Tier 1 risk-based capital ratio | 29.3198% | 526 |
| Total risk-based capital ratio | 30.2144% | 534 |
| Memoranda: | ||
| Average total assets | $54,554,330 | 5,354 |
| Average earning assets | $52,956,670 | 5,289 |
| Average equity | $8,334,330 | 4,965 |
| Average total loans | $21,868,330 | 5,563 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9022% | 3,585 |
| Cost of funding earning assets | 0.4667% | 2,409 |
| Net interest margin | 3.4354% | 3,738 |
| Noninterest income to average assets | 0.0296% | 6,019 |
| Noninterest expense to average assets | 2.0155% | 5,298 |
| Loan and lease loss provision to assets | 0.2223% | 856 |
| Net operating income to assets | 0.9114% | 2,694 |
| Return on assets (ROA) | 0.9114% | 2,812 |
| Pretax return on assets | 1.1189% | 3,023 |
| Return on Equity (ROE) | 5.9499% | 4,014 |
| Retained earnings to average equity (ytd only) | 5.9499% | 2,397 |
| Net charge-offs to loans | 0.2385% | 856 |
| Credit loss provision to net charge-offs | 230.7692% | 990 |
| Earnings coverage of net charge-offs (x) | 13.9231% | 1,720 |
| Efficiency ratio | 60.0442% | 4,741 |
| Assets per employee ($millions) | 6.7500% | 988 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1382% | 3,847 |
| Loan loss allowance to noncurrent loans | 406.5574% | 1,249 |
| Noncurrent assets plus other real estate owned to assets | 0.1130% | 5,123 |
| Noncurrent loans to loans | 0.2800% | 4,428 |
| Net loans and leases to total assets | 39.8907% | 5,456 |
| Net loans and leases to deposits | 47.7649% | 5,430 |
| Net loans and leases to core deposits | 49.7529% | 5,447 |
| Total domestic deposits to total assets | 83.5148% | 3,705 |
| Equity capital to assets | 15.5074% | 599 |
| Core capital (leverage) ratio | 14.7608% | 650 |
| Tier 1 risk-based capital ratio | 29.1808% | 542 |
| Total risk-based capital ratio | 30.0968% | 542 |
| Memoranda: | ||
| Average total assets | $53,981,000 | 5,425 |
| Average earning assets | $52,278,500 | 5,356 |
| Average equity | $8,269,000 | 5,004 |
| Average total loans | $21,805,500 | 5,618 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8299% | 3,950 |
| Cost of funding earning assets | 0.4759% | 2,389 |
| Net interest margin | 3.3540% | 4,097 |
| Noninterest income to average assets | 0.0334% | 6,040 |
| Noninterest expense to average assets | 2.5833% | 3,979 |
| Loan and lease loss provision to assets | 0.1297% | 1,850 |
| Net operating income to assets | 0.4774% | 4,777 |
| Return on assets (ROA) | 0.6820% | 3,996 |
| Pretax return on assets | 0.8191% | 4,127 |
| Return on Equity (ROE) | 4.4033% | 4,782 |
| Retained earnings to average equity (ytd only) | 1.1128% | 5,069 |
| Net charge-offs to loans | 0.0344% | 3,516 |
| Credit loss provision to net charge-offs | 1,000.0000% | 332 |
| Earnings coverage of net charge-offs (x) | 54.1429% | 948 |
| Efficiency ratio | 78.6238% | 1,870 |
| Assets per employee ($millions) | 6.0047% | 1,384 |
| Cash dividends to net income (ytd only)* | 74.7283% | 1,065 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7960% | 5,417 |
| Loan loss allowance to noncurrent loans | 527.2727% | 1,008 |
| Noncurrent assets plus other real estate owned to assets | 0.0611% | 5,411 |
| Noncurrent loans to loans | 0.1510% | 4,891 |
| Net loans and leases to total assets | 40.1243% | 5,502 |
| Net loans and leases to deposits | 47.8528% | 5,492 |
| Net loans and leases to core deposits | 49.9275% | 5,501 |
| Total domestic deposits to total assets | 83.8496% | 3,544 |
| Equity capital to assets | 15.2141% | 639 |
| Core capital (leverage) ratio | 14.6057% | 688 |
| Tier 1 risk-based capital ratio | 28.6817% | 569 |
| Total risk-based capital ratio | 29.3185% | 589 |
| Memoranda: | ||
| Average total assets | $53,961,000 | 5,459 |
| Average earning assets | $52,325,200 | 5,377 |
| Average equity | $8,357,400 | 4,989 |
| Average total loans | $20,321,400 | 5,708 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7881% | 4,130 |
| Cost of funding earning assets | 0.4764% | 2,441 |
| Net interest margin | 3.3118% | 4,291 |
| Noninterest income to average assets | 0.0222% | 6,153 |
| Noninterest expense to average assets | 2.3309% | 4,698 |
| Loan and lease loss provision to assets | 0.0742% | 2,688 |
| Net operating income to assets | 0.6342% | 4,220 |
| Return on assets (ROA) | 0.8874% | 3,096 |
| Pretax return on assets | 1.1593% | 2,980 |
| Return on Equity (ROE) | 5.7042% | 4,296 |
| Retained earnings to average equity (ytd only) | 4.1152% | 3,537 |
| Net charge-offs to loans | 0.0335% | 3,248 |
| Credit loss provision to net charge-offs | 600.0000% | 563 |
| Earnings coverage of net charge-offs (x) | 73.1619% | 793 |
| Efficiency ratio | 72.0397% | 2,874 |
| Assets per employee ($millions) | 5.9543% | 1,407 |
| Cash dividends to net income (ytd only)* | 27.8554% | 2,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6310% | 5,851 |
| Loan loss allowance to noncurrent loans | 4,500.0000% | 177 |
| Noncurrent assets plus other real estate owned to assets | 0.0056% | 5,788 |
| Noncurrent loans to loans | 0.0140% | 5,580 |
| Net loans and leases to total assets | 39.6686% | 5,607 |
| Net loans and leases to deposits | 47.8698% | 5,576 |
| Net loans and leases to core deposits | 49.4568% | 5,594 |
| Total domestic deposits to total assets | 82.8678% | 3,857 |
| Equity capital to assets | 15.8297% | 587 |
| Core capital (leverage) ratio | 14.9125% | 652 |
| Tier 1 risk-based capital ratio | 29.8779% | 532 |
| Total risk-based capital ratio | 30.3819% | 554 |
| Memoranda: | ||
| Average total assets | $53,940,750 | 5,529 |
| Average earning assets | $52,337,500 | 5,446 |
| Average equity | $8,391,250 | 5,043 |
| Average total loans | $19,937,250 | 5,797 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7036% | 4,396 |
| Cost of funding earning assets | 0.4653% | 2,557 |
| Net interest margin | 3.2383% | 4,536 |
| Noninterest income to average assets | 0.0259% | 6,220 |
| Noninterest expense to average assets | 2.0792% | 5,382 |
| Loan and lease loss provision to assets | 0.0740% | 2,635 |
| Net operating income to assets | 0.7458% | 3,657 |
| Return on assets (ROA) | 1.1099% | 1,996 |
| Pretax return on assets | 1.5058% | 1,633 |
| Return on Equity (ROE) | 7.1765% | 3,505 |
| Retained earnings to average equity (ytd only) | 4.7843% | 3,000 |
| Net charge-offs to loans | 0.0514% | 2,685 |
| Credit loss provision to net charge-offs | 400.0000% | 742 |
| Earnings coverage of net charge-offs (x) | 58.8000% | 849 |
| Efficiency ratio | 65.6542% | 4,076 |
| Assets per employee ($millions) | 6.0741% | 1,297 |
| Cash dividends to net income (ytd only)* | 33.3333% | 2,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6322% | 5,920 |
| Loan loss allowance to noncurrent loans | 3,125.0000% | 214 |
| Noncurrent assets plus other real estate owned to assets | 0.0073% | 5,872 |
| Noncurrent loans to loans | 0.0202% | 5,681 |
| Net loans and leases to total assets | 35.9394% | 5,822 |
| Net loans and leases to deposits | 42.9133% | 5,806 |
| Net loans and leases to core deposits | 44.6949% | 5,815 |
| Total domestic deposits to total assets | 83.7489% | 3,669 |
| Equity capital to assets | 15.2432% | 658 |
| Core capital (leverage) ratio | 14.7196% | 670 |
| Tier 1 risk-based capital ratio | 31.3113% | 483 |
| Total risk-based capital ratio | 31.8040% | 504 |
| Memoranda: | ||
| Average total assets | $54,058,000 | 5,580 |
| Average earning assets | $52,435,330 | 5,501 |
| Average equity | $8,360,670 | 5,084 |
| Average total loans | $19,452,000 | 5,874 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6817% | 4,431 |
| Cost of funding earning assets | 0.4612% | 2,666 |
| Net interest margin | 3.2206% | 4,526 |
| Noninterest income to average assets | 0.0298% | 6,275 |
| Noninterest expense to average assets | 1.9868% | 5,605 |
| Loan and lease loss provision to assets | 0.1488% | 1,365 |
| Net operating income to assets | 0.7310% | 3,640 |
| Return on assets (ROA) | 1.4436% | 1,012 |
| Pretax return on assets | 2.0017% | 585 |
| Return on Equity (ROE) | 9.2662% | 2,330 |
| Retained earnings to average equity (ytd only) | 9.2662% | 1,110 |
| Net charge-offs to loans | 0.2073% | 1,113 |
| Credit loss provision to net charge-offs | 200.0000% | 1,042 |
| Earnings coverage of net charge-offs (x) | 15.6000% | 1,615 |
| Efficiency ratio | 63.1206% | 4,608 |
| Assets per employee ($millions) | 6.1296% | 1,309 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6203% | 6,031 |
| Loan loss allowance to noncurrent loans | 266.6667% | 1,758 |
| Noncurrent assets plus other real estate owned to assets | 0.0816% | 5,614 |
| Noncurrent loans to loans | 0.2326% | 4,942 |
| Net loans and leases to total assets | 34.8476% | 5,884 |
| Net loans and leases to deposits | 41.8068% | 5,843 |
| Net loans and leases to core deposits | 43.0848% | 5,866 |
| Total domestic deposits to total assets | 83.3539% | 4,065 |
| Equity capital to assets | 15.4334% | 637 |
| Core capital (leverage) ratio | 14.8916% | 623 |
| Tier 1 risk-based capital ratio | 31.5090% | 476 |
| Total risk-based capital ratio | 31.9852% | 500 |
| Memoranda: | ||
| Average total assets | $53,753,500 | 5,644 |
| Average earning assets | $52,040,500 | 5,559 |
| Average equity | $8,374,500 | 5,120 |
| Average total loans | $19,292,000 | 5,927 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8344% | 4,376 |
| Cost of funding earning assets | 0.4676% | 2,997 |
| Net interest margin | 3.3668% | 4,346 |
| Noninterest income to average assets | 0.0482% | 6,297 |
| Noninterest expense to average assets | 2.5653% | 4,342 |
| Loan and lease loss provision to assets | 0.0540% | 3,477 |
| Net operating income to assets | 0.5814% | 4,455 |
| Return on assets (ROA) | 0.7401% | 3,785 |
| Pretax return on assets | 0.8789% | 3,968 |
| Return on Equity (ROE) | 4.7028% | 4,802 |
| Retained earnings to average equity (ytd only) | 1.9472% | 4,824 |
| Net charge-offs to loans | 0.3313% | 1,332 |
| Credit loss provision to net charge-offs | 47.4576% | 3,539 |
| Earnings coverage of net charge-offs (x) | 6.5424% | 3,179 |
| Efficiency ratio | 77.5189% | 2,275 |
| Assets per employee ($millions) | 5.8157% | 1,516 |
| Cash dividends to net income (ytd only)* | 58.5938% | 1,817 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5717% | 6,183 |
| Loan loss allowance to noncurrent loans | 343.7500% | 1,445 |
| Noncurrent assets plus other real estate owned to assets | 0.0611% | 5,773 |
| Noncurrent loans to loans | 0.1663% | 5,235 |
| Net loans and leases to total assets | 36.5488% | 5,927 |
| Net loans and leases to deposits | 44.0398% | 5,875 |
| Net loans and leases to core deposits | 45.6422% | 5,909 |
| Total domestic deposits to total assets | 82.9904% | 4,080 |
| Equity capital to assets | 15.7334% | 573 |
| Core capital (leverage) ratio | 15.1366% | 586 |
| Tier 1 risk-based capital ratio | 31.3400% | 464 |
| Total risk-based capital ratio | 31.7851% | 483 |
| Memoranda: | ||
| Average total assets | $51,884,400 | 5,744 |
| Average earning assets | $50,255,000 | 5,670 |
| Average equity | $8,165,400 | 5,164 |
| Average total loans | $17,808,200 | 6,052 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8094% | 4,507 |
| Cost of funding earning assets | 0.4682% | 3,065 |
| Net interest margin | 3.3412% | 4,465 |
| Noninterest income to average assets | 0.0206% | 6,439 |
| Noninterest expense to average assets | 2.3694% | 4,916 |
| Loan and lease loss provision to assets | 0.0412% | 3,578 |
| Net operating income to assets | 0.6712% | 4,101 |
| Return on assets (ROA) | 0.8731% | 3,152 |
| Pretax return on assets | 1.0971% | 3,196 |
| Return on Equity (ROE) | 5.5473% | 4,466 |
| Retained earnings to average equity (ytd only) | 3.9109% | 3,864 |
| Net charge-offs to loans | 0.3668% | 1,090 |
| Credit loss provision to net charge-offs | 33.3333% | 3,398 |
| Earnings coverage of net charge-offs (x) | 7.1666% | 2,965 |
| Efficiency ratio | 72.7848% | 3,043 |
| Assets per employee ($millions) | 5.7287% | 1,544 |
| Cash dividends to net income (ytd only)* | 29.4984% | 2,829 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6002% | 6,224 |
| Loan loss allowance to noncurrent loans | 2,725.0000% | 228 |
| Noncurrent assets plus other real estate owned to assets | 0.0078% | 6,169 |
| Noncurrent loans to loans | 0.0220% | 5,936 |
| Net loans and leases to total assets | 35.0111% | 6,070 |
| Net loans and leases to deposits | 42.3772% | 6,036 |
| Net loans and leases to core deposits | 43.7324% | 6,048 |
| Total domestic deposits to total assets | 82.6176% | 4,262 |
| Equity capital to assets | 16.0848% | 549 |
| Core capital (leverage) ratio | 15.2659% | 581 |
| Tier 1 risk-based capital ratio | 33.0142% | 414 |
| Total risk-based capital ratio | 33.4739% | 423 |
| Memoranda: | ||
| Average total assets | $51,770,250 | 5,810 |
| Average earning assets | $50,120,250 | 5,739 |
| Average equity | $8,148,000 | 5,207 |
| Average total loans | $17,450,250 | 6,128 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7861% | 4,571 |
| Cost of funding earning assets | 0.4673% | 3,136 |
| Net interest margin | 3.3189% | 4,511 |
| Noninterest income to average assets | 0.0231% | 6,504 |
| Noninterest expense to average assets | 2.2183% | 5,368 |
| Loan and lease loss provision to assets | 0.0231% | 3,812 |
| Net operating income to assets | 0.7504% | 3,568 |
| Return on assets (ROA) | 1.0378% | 2,242 |
| Pretax return on assets | 1.3657% | 2,017 |
| Return on Equity (ROE) | 6.6422% | 3,809 |
| Retained earnings to average equity (ytd only) | 4.1730% | 3,516 |
| Net charge-offs to loans | 0.3718% | 1,097 |
| Credit loss provision to net charge-offs | 18.7500% | 3,215 |
| Earnings coverage of net charge-offs (x) | 8.1875% | 2,525 |
| Efficiency ratio | 68.6977% | 3,880 |
| Assets per employee ($millions) | 5.8257% | 1,400 |
| Cash dividends to net income (ytd only)* | 37.1747% | 2,520 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6548% | 6,243 |
| Loan loss allowance to noncurrent loans | 234.6939% | 1,870 |
| Noncurrent assets plus other real estate owned to assets | 0.0935% | 5,871 |
| Noncurrent loans to loans | 0.2790% | 5,180 |
| Net loans and leases to total assets | 33.2780% | 6,187 |
| Net loans and leases to deposits | 40.0138% | 6,154 |
| Net loans and leases to core deposits | 41.5874% | 6,166 |
| Total domestic deposits to total assets | 83.1664% | 4,237 |
| Equity capital to assets | 15.6854% | 598 |
| Core capital (leverage) ratio | 15.0631% | 601 |
| Tier 1 risk-based capital ratio | 33.2490% | 403 |
| Total risk-based capital ratio | 33.7420% | 418 |
| Memoranda: | ||
| Average total assets | $51,841,000 | 5,860 |
| Average earning assets | $50,077,330 | 5,786 |
| Average equity | $8,099,670 | 5,250 |
| Average total loans | $17,213,670 | 6,190 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7847% | 4,552 |
| Cost of funding earning assets | 0.4571% | 3,351 |
| Net interest margin | 3.3277% | 4,437 |
| Noninterest income to average assets | 0.0310% | 6,533 |
| Noninterest expense to average assets | 2.0875% | 5,711 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.8671% | 2,812 |
| Return on assets (ROA) | 1.4356% | 960 |
| Pretax return on assets | 1.9323% | 609 |
| Return on Equity (ROE) | 9.2068% | 2,371 |
| Retained earnings to average equity (ytd only) | 9.2068% | 1,193 |
| Net charge-offs to loans | -0.0235% | 5,430 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2005% | 4,830 |
| Assets per employee ($millions) | 5.7939% | 1,461 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8335% | 6,035 |
| Loan loss allowance to noncurrent loans | 373.6842% | 1,228 |
| Noncurrent assets plus other real estate owned to assets | 0.0729% | 6,033 |
| Noncurrent loans to loans | 0.2230% | 5,427 |
| Net loans and leases to total assets | 32.4000% | 6,248 |
| Net loans and leases to deposits | 38.8623% | 6,210 |
| Net loans and leases to core deposits | 40.0840% | 6,228 |
| Total domestic deposits to total assets | 83.3714% | 4,485 |
| Equity capital to assets | 15.6007% | 588 |
| Core capital (leverage) ratio | 15.1303% | 583 |
| Tier 1 risk-based capital ratio | 33.8620% | 387 |
| Total risk-based capital ratio | 34.4807% | 402 |
| Memoranda: | ||
| Average total assets | $51,546,000 | 5,922 |
| Average earning assets | $49,885,000 | 5,843 |
| Average equity | $8,037,500 | 5,280 |
| Average total loans | $17,039,000 | 6,259 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7696% | 4,910 |
| Cost of funding earning assets | 0.4835% | 3,782 |
| Net interest margin | 3.2860% | 4,717 |
| Noninterest income to average assets | 0.0039% | 6,637 |
| Noninterest expense to average assets | 2.3187% | 5,318 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.7514% | 3,542 |
| Return on assets (ROA) | 0.7514% | 3,638 |
| Pretax return on assets | 0.8685% | 3,888 |
| Return on Equity (ROE) | 4.6766% | 4,796 |
| Retained earnings to average equity (ytd only) | 2.2472% | 4,649 |
| Net charge-offs to loans | 0.0711% | 4,215 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 40.4545% | 934 |
| Efficiency ratio | 72.7495% | 3,345 |
| Assets per employee ($millions) | 5.6608% | 1,503 |
| Cash dividends to net income (ytd only)* | 51.9481% | 2,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8274% | 6,106 |
| Loan loss allowance to noncurrent loans | 705.0000% | 707 |
| Noncurrent assets plus other real estate owned to assets | 0.0393% | 6,256 |
| Noncurrent loans to loans | 0.1174% | 5,851 |
| Net loans and leases to total assets | 33.1717% | 6,326 |
| Net loans and leases to deposits | 39.7320% | 6,312 |
| Net loans and leases to core deposits | 41.0922% | 6,329 |
| Total domestic deposits to total assets | 83.4887% | 4,368 |
| Equity capital to assets | 15.5848% | 585 |
| Core capital (leverage) ratio | 15.2125% | 582 |
| Tier 1 risk-based capital ratio | 33.7546% | 373 |
| Total risk-based capital ratio | 34.3820% | 386 |
| Memoranda: | ||
| Average total assets | $51,235,400 | 5,986 |
| Average earning assets | $49,634,400 | 5,901 |
| Average equity | $8,232,400 | 5,281 |
| Average total loans | $15,463,200 | 6,395 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7253% | 5,096 |
| Cost of funding earning assets | 0.4851% | 3,913 |
| Net interest margin | 3.2402% | 4,858 |
| Noninterest income to average assets | 0.0000% | 6,739 |
| Noninterest expense to average assets | 2.0737% | 5,883 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.8913% | 2,876 |
| Return on assets (ROA) | 0.8913% | 2,992 |
| Pretax return on assets | 1.0680% | 3,230 |
| Return on Equity (ROE) | 5.5062% | 4,469 |
| Retained earnings to average equity (ytd only) | 4.3022% | 3,620 |
| Net charge-offs to loans | 0.0619% | 4,016 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 58.7342% | 766 |
| Efficiency ratio | 66.0050% | 4,479 |
| Assets per employee ($millions) | 5.7067% | 1,445 |
| Cash dividends to net income (ytd only)* | 21.8665% | 3,023 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8725% | 6,127 |
| Loan loss allowance to noncurrent loans | 1,450.0000% | 342 |
| Noncurrent assets plus other real estate owned to assets | 0.0195% | 6,435 |
| Noncurrent loans to loans | 0.0602% | 6,163 |
| Net loans and leases to total assets | 32.0736% | 6,448 |
| Net loans and leases to deposits | 39.8158% | 6,389 |
| Net loans and leases to core deposits | 41.1393% | 6,414 |
| Total domestic deposits to total assets | 80.5549% | 5,343 |
| Equity capital to assets | 15.7516% | 588 |
| Core capital (leverage) ratio | 15.4282% | 576 |
| Tier 1 risk-based capital ratio | 34.6010% | 351 |
| Total risk-based capital ratio | 35.2551% | 361 |
| Memoranda: | ||
| Average total assets | $51,307,500 | 6,052 |
| Average earning assets | $49,749,000 | 5,960 |
| Average equity | $8,305,500 | 5,315 |
| Average total loans | $15,068,750 | 6,475 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6411% | 5,320 |
| Cost of funding earning assets | 0.4892% | 3,996 |
| Net interest margin | 3.1519% | 5,118 |
| Noninterest income to average assets | -0.0117% | 6,816 |
| Noninterest expense to average assets | 1.8834% | 6,253 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.9593% | 2,516 |
| Return on assets (ROA) | 0.9593% | 2,668 |
| Pretax return on assets | 1.1698% | 2,807 |
| Return on Equity (ROE) | 5.8730% | 4,243 |
| Retained earnings to average equity (ytd only) | 4.0824% | 3,695 |
| Net charge-offs to loans | 0.3298% | 1,872 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 12.5000% | 1,972 |
| Efficiency ratio | 61.6858% | 5,218 |
| Assets per employee ($millions) | 5.6064% | 1,492 |
| Cash dividends to net income (ytd only)* | 30.4878% | 2,658 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8224% | 6,313 |
| Loan loss allowance to noncurrent loans | 266.6667% | 1,560 |
| Noncurrent assets plus other real estate owned to assets | 0.0951% | 6,209 |
| Noncurrent loans to loans | 0.3084% | 5,531 |
| Net loans and leases to total assets | 30.5938% | 6,556 |
| Net loans and leases to deposits | 36.9183% | 6,524 |
| Net loans and leases to core deposits | 38.3642% | 6,527 |
| Total domestic deposits to total assets | 82.8689% | 4,749 |
| Equity capital to assets | 16.0470% | 519 |
| Core capital (leverage) ratio | 15.2795% | 565 |
| Tier 1 risk-based capital ratio | 35.9745% | 305 |
| Total risk-based capital ratio | 36.5826% | 321 |
| Memoranda: | ||
| Average total assets | $51,290,000 | 6,095 |
| Average earning assets | $49,874,670 | 5,998 |
| Average equity | $8,377,330 | 5,343 |
| Average total loans | $14,552,330 | 6,542 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5876% | 5,484 |
| Cost of funding earning assets | 0.4943% | 4,141 |
| Net interest margin | 3.0933% | 5,284 |
| Noninterest income to average assets | -0.0387% | 6,892 |
| Noninterest expense to average assets | 1.8876% | 6,291 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.9438% | 2,458 |
| Return on assets (ROA) | 0.9438% | 2,602 |
| Pretax return on assets | 1.0753% | 3,043 |
| Return on Equity (ROE) | 5.7294% | 4,185 |
| Retained earnings to average equity (ytd only) | 5.7294% | 2,822 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7076% | 5,053 |
| Assets per employee ($millions) | 5.6567% | 1,530 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0638% | 5,738 |
| Loan loss allowance to noncurrent loans | 1,688.8889% | 303 |
| Noncurrent assets plus other real estate owned to assets | 0.0177% | 6,564 |
| Noncurrent loans to loans | 0.0630% | 6,291 |
| Net loans and leases to total assets | 27.7666% | 6,671 |
| Net loans and leases to deposits | 34.0512% | 6,636 |
| Net loans and leases to core deposits | 35.2387% | 6,644 |
| Total domestic deposits to total assets | 81.5439% | 5,344 |
| Equity capital to assets | 16.7845% | 449 |
| Core capital (leverage) ratio | 15.0386% | 588 |
| Tier 1 risk-based capital ratio | 37.1606% | 290 |
| Total risk-based capital ratio | 37.9109% | 293 |
| Memoranda: | ||
| Average total assets | $51,706,000 | 6,136 |
| Average earning assets | $50,173,500 | 6,046 |
| Average equity | $8,517,500 | 5,356 |
| Average total loans | $14,046,000 | 6,620 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9491% | 5,445 |
| Cost of funding earning assets | 0.6103% | 4,250 |
| Net interest margin | 3.3387% | 5,109 |
| Noninterest income to average assets | 0.0123% | 6,794 |
| Noninterest expense to average assets | 2.3703% | 5,495 |
| Loan and lease loss provision to assets | -0.1006% | 6,926 |
| Net operating income to assets | 0.8147% | 3,223 |
| Return on assets (ROA) | 0.8147% | 3,466 |
| Pretax return on assets | 0.9645% | 3,685 |
| Return on Equity (ROE) | 4.7975% | 4,785 |
| Retained earnings to average equity (ytd only) | 3.1661% | 4,001 |
| Net charge-offs to loans | -0.1890% | 6,932 |
| Credit loss provision to net charge-offs | 175.0000% | 1,501 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2868% | 3,194 |
| Assets per employee ($millions) | 5.8336% | 1,407 |
| Cash dividends to net income (ytd only)* | 34.0050% | 3,194 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1011% | 5,547 |
| Loan loss allowance to noncurrent loans | 1,169.2308% | 409 |
| Noncurrent assets plus other real estate owned to assets | 0.0667% | 6,446 |
| Noncurrent loans to loans | 0.0942% | 6,252 |
| Net loans and leases to total assets | 26.0028% | 6,809 |
| Net loans and leases to deposits | 31.6708% | 6,795 |
| Net loans and leases to core deposits | 32.8094% | 6,796 |
| Total domestic deposits to total assets | 82.1035% | 5,061 |
| Equity capital to assets | 16.1708% | 526 |
| Core capital (leverage) ratio | 14.9321% | 587 |
| Tier 1 risk-based capital ratio | 37.1918% | 288 |
| Total risk-based capital ratio | 37.9551% | 288 |
| Memoranda: | ||
| Average total assets | $48,727,800 | 6,248 |
| Average earning assets | $47,023,800 | 6,151 |
| Average equity | $8,275,200 | 5,425 |
| Average total loans | $14,812,200 | 6,670 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0227% | 5,452 |
| Cost of funding earning assets | 0.6396% | 4,285 |
| Net interest margin | 3.3831% | 5,084 |
| Noninterest income to average assets | -0.0028% | 6,954 |
| Noninterest expense to average assets | 2.3522% | 5,538 |
| Loan and lease loss provision to assets | 0.0419% | 5,251 |
| Net operating income to assets | 0.7785% | 3,556 |
| Return on assets (ROA) | 0.7785% | 3,806 |
| Pretax return on assets | 0.8650% | 4,240 |
| Return on Equity (ROE) | 4.5246% | 5,036 |
| Retained earnings to average equity (ytd only) | 3.5515% | 4,379 |
| Net charge-offs to loans | 0.3275% | 2,822 |
| Credit loss provision to net charge-offs | 40.5405% | 4,604 |
| Earnings coverage of net charge-offs (x) | 8.7841% | 2,398 |
| Efficiency ratio | 72.1747% | 3,290 |
| Assets per employee ($millions) | 5.5706% | 1,564 |
| Cash dividends to net income (ytd only)* | 21.5060% | 2,984 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9845% | 6,142 |
| Loan loss allowance to noncurrent loans | 296.0784% | 1,263 |
| Noncurrent assets plus other real estate owned to assets | 0.1456% | 6,353 |
| Noncurrent loans to loans | 0.3325% | 5,808 |
| Net loans and leases to total assets | 30.2922% | 6,807 |
| Net loans and leases to deposits | 37.2916% | 6,775 |
| Net loans and leases to core deposits | 38.3665% | 6,799 |
| Total domestic deposits to total assets | 81.2307% | 5,289 |
| Equity capital to assets | 16.8704% | 479 |
| Core capital (leverage) ratio | 15.6562% | 519 |
| Tier 1 risk-based capital ratio | 35.8481% | 329 |
| Total risk-based capital ratio | 36.5831% | 339 |
| Memoranda: | ||
| Average total assets | $47,784,250 | 6,345 |
| Average earning assets | $46,071,000 | 6,248 |
| Average equity | $8,221,500 | 5,491 |
| Average total loans | $15,064,250 | 6,740 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0682% | 5,424 |
| Cost of funding earning assets | 0.6442% | 4,493 |
| Net interest margin | 3.4240% | 4,993 |
| Noninterest income to average assets | 0.0213% | 6,942 |
| Noninterest expense to average assets | 2.1276% | 6,179 |
| Loan and lease loss provision to assets | 0.0638% | 4,846 |
| Net operating income to assets | 0.9489% | 2,662 |
| Return on assets (ROA) | 0.9489% | 2,925 |
| Pretax return on assets | 1.1319% | 3,182 |
| Return on Equity (ROE) | 5.4773% | 4,594 |
| Retained earnings to average equity (ytd only) | 4.0036% | 3,943 |
| Net charge-offs to loans | 0.4542% | 2,243 |
| Credit loss provision to net charge-offs | 44.1176% | 4,168 |
| Earnings coverage of net charge-offs (x) | 8.2647% | 2,328 |
| Efficiency ratio | 64.0205% | 4,900 |
| Assets per employee ($millions) | 5.3090% | 1,811 |
| Cash dividends to net income (ytd only)* | 26.9058% | 2,736 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0110% | 6,112 |
| Loan loss allowance to noncurrent loans | 531.0345% | 691 |
| Noncurrent assets plus other real estate owned to assets | 0.1444% | 6,426 |
| Noncurrent loans to loans | 0.1904% | 6,203 |
| Net loans and leases to total assets | 31.5565% | 6,827 |
| Net loans and leases to deposits | 39.1027% | 6,763 |
| Net loans and leases to core deposits | 40.9183% | 6,777 |
| Total domestic deposits to total assets | 80.7015% | 5,558 |
| Equity capital to assets | 17.4379% | 389 |
| Core capital (leverage) ratio | 15.8172% | 484 |
| Tier 1 risk-based capital ratio | 35.2737% | 336 |
| Total risk-based capital ratio | 36.0176% | 345 |
| Memoranda: | ||
| Average total assets | $47,000,670 | 6,406 |
| Average earning assets | $45,327,330 | 6,306 |
| Average equity | $8,142,670 | 5,528 |
| Average total loans | $14,973,000 | 6,800 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1184% | 5,391 |
| Cost of funding earning assets | 0.6418% | 4,803 |
| Net interest margin | 3.4766% | 4,804 |
| Noninterest income to average assets | 0.0257% | 7,033 |
| Noninterest expense to average assets | 2.2570% | 5,883 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.9783% | 2,565 |
| Return on assets (ROA) | 0.9783% | 2,770 |
| Pretax return on assets | 1.1156% | 3,261 |
| Return on Equity (ROE) | 5.6660% | 4,469 |
| Retained earnings to average equity (ytd only) | 2.6839% | 4,916 |
| Net charge-offs to loans | 0.1886% | 2,971 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 18.5714% | 1,259 |
| Efficiency ratio | 66.9211% | 4,371 |
| Assets per employee ($millions) | 5.2604% | 1,919 |
| Cash dividends to net income (ytd only)* | 52.6316% | 1,393 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1241% | 5,824 |
| Loan loss allowance to noncurrent loans | 415.0000% | 818 |
| Noncurrent assets plus other real estate owned to assets | 0.1690% | 6,464 |
| Noncurrent loans to loans | 0.2709% | 6,139 |
| Net loans and leases to total assets | 30.8423% | 6,873 |
| Net loans and leases to deposits | 37.9499% | 6,816 |
| Net loans and leases to core deposits | 39.5086% | 6,832 |
| Total domestic deposits to total assets | 81.2711% | 5,528 |
| Equity capital to assets | 17.0243% | 424 |
| Core capital (leverage) ratio | 15.9018% | 475 |
| Tier 1 risk-based capital ratio | 35.9398% | 315 |
| Total risk-based capital ratio | 36.7693% | 319 |
| Memoranda: | ||
| Average total assets | $46,610,500 | 6,470 |
| Average earning assets | $44,871,500 | 6,366 |
| Average equity | $8,048,000 | 5,584 |
| Average total loans | $14,843,500 | 6,869 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4346% | 5,293 |
| Cost of funding earning assets | 0.7143% | 5,439 |
| Net interest margin | 3.7204% | 4,210 |
| Noninterest income to average assets | 0.0294% | 6,904 |
| Noninterest expense to average assets | 2.3370% | 5,955 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 1.0312% | 2,081 |
| Return on assets (ROA) | 1.0349% | 2,218 |
| Pretax return on assets | 1.2591% | 2,274 |
| Return on Equity (ROE) | 6.1830% | 3,780 |
| Retained earnings to average equity (ytd only) | 5.3713% | 2,394 |
| Net charge-offs to loans | 0.2572% | 4,167 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 14.5789% | 1,447 |
| Efficiency ratio | 65.0694% | 4,938 |
| Assets per employee ($millions) | 5.0974% | 2,072 |
| Cash dividends to net income (ytd only)* | 13.1291% | 3,777 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1596% | 5,577 |
| Loan loss allowance to noncurrent loans | 218.9873% | 1,514 |
| Noncurrent assets plus other real estate owned to assets | 0.2594% | 6,316 |
| Noncurrent loans to loans | 0.5295% | 5,654 |
| Net loans and leases to total assets | 32.1425% | 6,940 |
| Net loans and leases to deposits | 39.8821% | 6,890 |
| Net loans and leases to core deposits | 41.6836% | 6,895 |
| Total domestic deposits to total assets | 80.5938% | 5,563 |
| Equity capital to assets | 17.5164% | 383 |
| Core capital (leverage) ratio | 15.6485% | 504 |
| Tier 1 risk-based capital ratio | 35.3678% | 323 |
| Total risk-based capital ratio | 36.2249% | 327 |
| Memoranda: | ||
| Average total assets | $44,158,400 | 6,531 |
| Average earning assets | $42,280,800 | 6,455 |
| Average equity | $7,391,200 | 5,751 |
| Average total loans | $14,772,600 | 6,914 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4269% | 5,512 |
| Cost of funding earning assets | 0.7198% | 5,651 |
| Net interest margin | 3.7071% | 4,304 |
| Noninterest income to average assets | 0.0305% | 7,017 |
| Noninterest expense to average assets | 2.1831% | 6,314 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.1293% | 1,880 |
| Return on assets (ROA) | 1.1342% | 1,986 |
| Pretax return on assets | 1.4026% | 1,939 |
| Return on Equity (ROE) | 6.8602% | 3,587 |
| Retained earnings to average equity (ytd only) | 5.7537% | 2,703 |
| Net charge-offs to loans | 0.3439% | 3,379 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 12.0515% | 1,748 |
| Efficiency ratio | 60.9881% | 5,562 |
| Assets per employee ($millions) | 5.2149% | 1,913 |
| Cash dividends to net income (ytd only)* | 16.1294% | 3,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0904% | 5,930 |
| Loan loss allowance to noncurrent loans | 339.2157% | 943 |
| Noncurrent assets plus other real estate owned to assets | 0.1939% | 6,572 |
| Noncurrent loans to loans | 0.3214% | 6,208 |
| Net loans and leases to total assets | 33.4363% | 6,977 |
| Net loans and leases to deposits | 41.1695% | 6,940 |
| Net loans and leases to core deposits | 42.7835% | 6,959 |
| Total domestic deposits to total assets | 81.2162% | 5,366 |
| Equity capital to assets | 16.6958% | 515 |
| Core capital (leverage) ratio | 15.5175% | 570 |
| Tier 1 risk-based capital ratio | 33.1177% | 416 |
| Total risk-based capital ratio | 33.9405% | 422 |
| Memoranda: | ||
| Average total assets | $43,728,750 | 6,607 |
| Average earning assets | $41,864,000 | 6,518 |
| Average equity | $7,230,000 | 5,837 |
| Average total loans | $14,736,000 | 6,981 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4541% | 5,510 |
| Cost of funding earning assets | 0.7219% | 5,827 |
| Net interest margin | 3.7322% | 4,109 |
| Noninterest income to average assets | 0.0281% | 7,123 |
| Noninterest expense to average assets | 2.2269% | 6,309 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.0942% | 1,887 |
| Return on assets (ROA) | 1.1017% | 1,954 |
| Pretax return on assets | 1.3736% | 1,884 |
| Return on Equity (ROE) | 6.6875% | 3,599 |
| Retained earnings to average equity (ytd only) | 6.6875% | 2,030 |
| Net charge-offs to loans | 0.1532% | 4,263 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 26.4545% | 1,013 |
| Efficiency ratio | 62.0104% | 5,583 |
| Assets per employee ($millions) | 4.9892% | 2,139 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3483% | 4,841 |
| Loan loss allowance to noncurrent loans | 253.1646% | 1,223 |
| Noncurrent assets plus other real estate owned to assets | 0.2650% | 6,469 |
| Noncurrent loans to loans | 0.5326% | 5,847 |
| Net loans and leases to total assets | 32.5903% | 7,092 |
| Net loans and leases to deposits | 39.8345% | 7,070 |
| Net loans and leases to core deposits | 41.7554% | 7,077 |
| Total domestic deposits to total assets | 81.8141% | 5,228 |
| Equity capital to assets | 16.4466% | 548 |
| Core capital (leverage) ratio | 15.9331% | 518 |
| Tier 1 risk-based capital ratio | 35.1276% | 341 |
| Total risk-based capital ratio | 36.1480% | 344 |
| Memoranda: | ||
| Average total assets | $42,660,330 | 6,693 |
| Average earning assets | $40,726,330 | 6,607 |
| Average equity | $7,028,000 | 5,917 |
| Average total loans | $14,359,330 | 7,071 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4743% | 5,429 |
| Cost of funding earning assets | 0.7223% | 6,015 |
| Net interest margin | 3.7520% | 3,832 |
| Noninterest income to average assets | 0.0289% | 7,220 |
| Noninterest expense to average assets | 2.3111% | 6,158 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.0689% | 1,950 |
| Return on assets (ROA) | 1.0689% | 2,000 |
| Pretax return on assets | 1.3192% | 1,981 |
| Return on Equity (ROE) | 6.4822% | 3,633 |
| Retained earnings to average equity (ytd only) | 6.4822% | 2,381 |
| Net charge-offs to loans | -0.0566% | 6,924 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6605% | 5,416 |
| Assets per employee ($millions) | 4.7097% | 2,558 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5103% | 4,158 |
| Loan loss allowance to noncurrent loans | 250.5882% | 1,198 |
| Noncurrent assets plus other real estate owned to assets | 0.2949% | 6,460 |
| Noncurrent loans to loans | 0.6027% | 5,826 |
| Net loans and leases to total assets | 32.7695% | 7,139 |
| Net loans and leases to deposits | 39.9081% | 7,104 |
| Net loans and leases to core deposits | 40.9855% | 7,133 |
| Total domestic deposits to total assets | 82.1124% | 5,267 |
| Equity capital to assets | 16.5098% | 498 |
| Core capital (leverage) ratio | 16.2083% | 468 |
| Tier 1 risk-based capital ratio | 36.9338% | 304 |
| Total risk-based capital ratio | 38.0976% | 297 |
| Memoranda: | ||
| Average total assets | $41,539,000 | 6,776 |
| Average earning assets | $39,872,000 | 6,694 |
| Average equity | $6,849,500 | 5,975 |
| Average total loans | $14,122,000 | 7,134 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7657% | 5,557 |
| Cost of funding earning assets | 0.8609% | 6,335 |
| Net interest margin | 3.9048% | 3,463 |
| Noninterest income to average assets | 0.0332% | 7,187 |
| Noninterest expense to average assets | 2.5332% | 5,669 |
| Loan and lease loss provision to assets | 0.0511% | 6,646 |
| Net operating income to assets | 0.9223% | 2,309 |
| Return on assets (ROA) | 0.9321% | 2,398 |
| Pretax return on assets | 1.2028% | 2,218 |
| Return on Equity (ROE) | 5.4048% | 3,894 |
| Retained earnings to average equity (ytd only) | 4.7385% | 2,584 |
| Net charge-offs to loans | 0.0283% | 6,517 |
| Credit loss provision to net charge-offs | 500.0000% | 451 |
| Earnings coverage of net charge-offs (x) | 121.5000% | 212 |
| Efficiency ratio | 67.1177% | 4,741 |
| Assets per employee ($millions) | 4.5212% | 2,829 |
| Cash dividends to net income (ytd only)* | 12.3288% | 3,685 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4921% | 4,056 |
| Loan loss allowance to noncurrent loans | 217.5258% | 1,391 |
| Noncurrent assets plus other real estate owned to assets | 0.3367% | 6,409 |
| Noncurrent loans to loans | 0.6859% | 5,674 |
| Net loans and leases to total assets | 34.2336% | 7,218 |
| Net loans and leases to deposits | 41.5970% | 7,199 |
| Net loans and leases to core deposits | 42.9051% | 7,235 |
| Total domestic deposits to total assets | 82.2983% | 5,092 |
| Equity capital to assets | 16.4680% | 521 |
| Core capital (leverage) ratio | 16.3752% | 465 |
| Tier 1 risk-based capital ratio | 35.9580% | 324 |
| Total risk-based capital ratio | 37.0991% | 316 |
| Memoranda: | ||
| Average total assets | $39,159,400 | 6,897 |
| Average earning assets | $37,518,400 | 6,818 |
| Average equity | $6,753,200 | 6,121 |
| Average total loans | $14,120,800 | 7,203 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7332% | 5,903 |
| Cost of funding earning assets | 0.8935% | 6,415 |
| Net interest margin | 3.8397% | 3,798 |
| Noninterest income to average assets | 0.0344% | 7,349 |
| Noninterest expense to average assets | 2.4310% | 5,938 |
| Loan and lease loss provision to assets | 0.0688% | 6,378 |
| Net operating income to assets | 0.9155% | 2,549 |
| Return on assets (ROA) | 0.9284% | 2,633 |
| Pretax return on assets | 1.2310% | 2,388 |
| Return on Equity (ROE) | 5.3204% | 4,128 |
| Retained earnings to average equity (ytd only) | 4.4336% | 3,382 |
| Net charge-offs to loans | 0.0189% | 6,407 |
| Credit loss provision to net charge-offs | 1,000.0000% | 291 |
| Earnings coverage of net charge-offs (x) | 186.2622% | 175 |
| Efficiency ratio | 65.4630% | 4,965 |
| Assets per employee ($millions) | 4.4417% | 3,005 |
| Cash dividends to net income (ytd only)* | 16.6671% | 3,099 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4388% | 4,266 |
| Loan loss allowance to noncurrent loans | 171.7742% | 1,668 |
| Noncurrent assets plus other real estate owned to assets | 0.3577% | 6,501 |
| Noncurrent loans to loans | 0.8376% | 5,544 |
| Net loans and leases to total assets | 36.5003% | 7,244 |
| Net loans and leases to deposits | 45.4294% | 7,186 |
| Net loans and leases to core deposits | 45.4294% | 7,278 |
| Total domestic deposits to total assets | 80.3452% | 5,596 |
| Equity capital to assets | 17.8462% | 425 |
| Core capital (leverage) ratio | 16.8679% | 444 |
| Tier 1 risk-based capital ratio | 35.6966% | 332 |
| Total risk-based capital ratio | 36.8424% | 328 |
| Memoranda: | ||
| Average total assets | $38,776,500 | 6,991 |
| Average earning assets | $37,154,750 | 6,913 |
| Average equity | $6,766,250 | 6,193 |
| Average total loans | $14,115,750 | 7,295 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6724% | 6,240 |
| Cost of funding earning assets | 0.9008% | 6,575 |
| Net interest margin | 3.7716% | 4,038 |
| Noninterest income to average assets | 0.0313% | 7,427 |
| Noninterest expense to average assets | 2.4546% | 5,899 |
| Loan and lease loss provision to assets | 0.0521% | 6,442 |
| Net operating income to assets | 0.8470% | 2,743 |
| Return on assets (ROA) | 0.8547% | 2,862 |
| Pretax return on assets | 1.1569% | 2,560 |
| Return on Equity (ROE) | 4.9370% | 4,320 |
| Retained earnings to average equity (ytd only) | 4.9370% | 2,945 |
| Net charge-offs to loans | 0.0720% | 5,421 |
| Credit loss provision to net charge-offs | 200.0000% | 1,956 |
| Earnings coverage of net charge-offs (x) | 46.0000% | 643 |
| Efficiency ratio | 67.1897% | 4,728 |
| Assets per employee ($millions) | 4.2954% | 3,224 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3667% | 4,592 |
| Loan loss allowance to noncurrent loans | 161.2903% | 1,736 |
| Noncurrent assets plus other real estate owned to assets | 0.3208% | 6,613 |
| Noncurrent loans to loans | 0.8473% | 5,575 |
| Net loans and leases to total assets | 37.3367% | 7,298 |
| Net loans and leases to deposits | 46.1386% | 7,243 |
| Net loans and leases to core deposits | 47.7852% | 7,291 |
| Total domestic deposits to total assets | 80.9229% | 5,427 |
| Equity capital to assets | 17.7009% | 447 |
| Core capital (leverage) ratio | 17.0704% | 432 |
| Tier 1 risk-based capital ratio | 35.4945% | 336 |
| Total risk-based capital ratio | 36.5742% | 334 |
| Memoranda: | ||
| Average total assets | $38,377,000 | 7,052 |
| Average earning assets | $36,854,330 | 6,975 |
| Average equity | $6,643,670 | 6,257 |
| Average total loans | $13,886,330 | 7,361 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6328% | 6,460 |
| Cost of funding earning assets | 0.9048% | 6,751 |
| Net interest margin | 3.7281% | 4,108 |
| Noninterest income to average assets | 0.0314% | 7,551 |
| Noninterest expense to average assets | 2.4584% | 5,878 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.8916% | 2,580 |
| Return on assets (ROA) | 0.8997% | 2,616 |
| Pretax return on assets | 1.1612% | 2,508 |
| Return on Equity (ROE) | 5.2567% | 4,231 |
| Retained earnings to average equity (ytd only) | 5.2567% | 3,008 |
| Net charge-offs to loans | 0.2072% | 3,673 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 15.7143% | 1,368 |
| Efficiency ratio | 68.1159% | 4,702 |
| Assets per employee ($millions) | 4.2939% | 3,299 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3883% | 4,477 |
| Loan loss allowance to noncurrent loans | 141.3534% | 1,979 |
| Noncurrent assets plus other real estate owned to assets | 0.3442% | 6,619 |
| Noncurrent loans to loans | 0.9821% | 5,361 |
| Net loans and leases to total assets | 34.5556% | 7,474 |
| Net loans and leases to deposits | 42.2394% | 7,455 |
| Net loans and leases to core deposits | 43.9609% | 7,484 |
| Total domestic deposits to total assets | 81.8088% | 5,154 |
| Equity capital to assets | 17.1458% | 516 |
| Core capital (leverage) ratio | 17.0382% | 456 |
| Tier 1 risk-based capital ratio | 38.0172% | 289 |
| Total risk-based capital ratio | 39.1175% | 283 |
| Memoranda: | ||
| Average total assets | $38,236,000 | 7,145 |
| Average earning assets | $36,694,500 | 7,069 |
| Average equity | $6,544,000 | 6,334 |
| Average total loans | $13,512,500 | 7,468 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6141% | 7,266 |
| Cost of funding earning assets | 1.2106% | 6,623 |
| Net interest margin | 3.4036% | 5,346 |
| Noninterest income to average assets | 0.0295% | 7,593 |
| Noninterest expense to average assets | 2.7115% | 5,335 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.4376% | 3,978 |
| Return on assets (ROA) | 0.4376% | 4,097 |
| Pretax return on assets | 0.6014% | 3,899 |
| Return on Equity (ROE) | 2.5517% | 4,690 |
| Retained earnings to average equity (ytd only) | 2.0820% | 3,646 |
| Net charge-offs to loans | 0.7715% | 2,896 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | 2.1748% | 4,092 |
| Efficiency ratio | 81.8476% | 2,624 |
| Assets per employee ($millions) | 4.2030% | 3,433 |
| Cash dividends to net income (ytd only)* | 18.4049% | 3,705 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4463% | 4,000 |
| Loan loss allowance to noncurrent loans | 187.5000% | 1,574 |
| Noncurrent assets plus other real estate owned to assets | 0.2749% | 6,767 |
| Noncurrent loans to loans | 0.7713% | 5,724 |
| Net loans and leases to total assets | 35.1283% | 7,553 |
| Net loans and leases to deposits | 42.7721% | 7,546 |
| Net loans and leases to core deposits | 49.0115% | 7,609 |
| Total domestic deposits to total assets | 82.1292% | 4,890 |
| Equity capital to assets | 17.0830% | 550 |
| Core capital (leverage) ratio | 17.0841% | 484 |
| Tier 1 risk-based capital ratio | 38.6118% | 274 |
| Total risk-based capital ratio | 39.7837% | 270 |
| Memoranda: | ||
| Average total assets | $37,248,200 | 7,202 |
| Average earning assets | $35,933,000 | 7,104 |
| Average equity | $6,388,000 | 6,465 |
| Average total loans | $13,351,200 | 7,526 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4144% | 7,594 |
| Cost of funding earning assets | 1.2682% | 6,660 |
| Net interest margin | 3.1462% | 6,197 |
| Noninterest income to average assets | 0.0251% | 7,750 |
| Noninterest expense to average assets | 2.6232% | 5,628 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.3270% | 4,691 |
| Return on assets (ROA) | 0.3270% | 4,796 |
| Pretax return on assets | 0.4420% | 4,689 |
| Return on Equity (ROE) | 1.9049% | 5,200 |
| Retained earnings to average equity (ytd only) | 1.2769% | 4,608 |
| Net charge-offs to loans | 0.9210% | 2,127 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 1.3370% | 4,785 |
| Efficiency ratio | 85.5803% | 2,111 |
| Assets per employee ($millions) | 4.1276% | 3,516 |
| Cash dividends to net income (ytd only)* | 32.9679% | 2,762 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5917% | 3,026 |
| Loan loss allowance to noncurrent loans | 51.5000% | 4,877 |
| Noncurrent assets plus other real estate owned to assets | 1.0768% | 4,924 |
| Noncurrent loans to loans | 3.0907% | 2,443 |
| Net loans and leases to total assets | 34.2845% | 7,682 |
| Net loans and leases to deposits | 41.9831% | 7,677 |
| Net loans and leases to core deposits | 48.6497% | 7,713 |
| Total domestic deposits to total assets | 81.6625% | 4,814 |
| Equity capital to assets | 17.3388% | 586 |
| Core capital (leverage) ratio | 17.0116% | 553 |
| Tier 1 risk-based capital ratio | 35.6770% | 365 |
| Total risk-based capital ratio | 36.8338% | 363 |
| Memoranda: | ||
| Average total assets | $37,103,500 | 7,269 |
| Average earning assets | $35,851,500 | 7,164 |
| Average equity | $6,369,500 | 6,532 |
| Average total loans | $13,318,250 | 7,606 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3522% | 7,750 |
| Cost of funding earning assets | 1.3112% | 6,769 |
| Net interest margin | 3.0409% | 6,432 |
| Noninterest income to average assets | 0.0162% | 7,886 |
| Noninterest expense to average assets | 2.6100% | 5,705 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.2588% | 5,059 |
| Return on assets (ROA) | 0.2588% | 5,152 |
| Pretax return on assets | 0.3451% | 5,083 |
| Return on Equity (ROE) | 1.5128% | 5,453 |
| Retained earnings to average equity (ytd only) | 1.5128% | 4,484 |
| Net charge-offs to loans | 0.9819% | 1,786 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 0.9697% | 4,803 |
| Efficiency ratio | 88.3212% | 1,971 |
| Assets per employee ($millions) | 4.1587% | 3,375 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8223% | 1,985 |
| Loan loss allowance to noncurrent loans | 45.8498% | 5,300 |
| Noncurrent assets plus other real estate owned to assets | 1.3519% | 4,248 |
| Noncurrent loans to loans | 3.9746% | 1,712 |
| Net loans and leases to total assets | 33.3948% | 7,797 |
| Net loans and leases to deposits | 40.6419% | 7,799 |
| Net loans and leases to core deposits | 47.2802% | 7,813 |
| Total domestic deposits to total assets | 82.1684% | 4,622 |
| Equity capital to assets | 16.9739% | 669 |
| Core capital (leverage) ratio | 16.8715% | 630 |
| Tier 1 risk-based capital ratio | 30.0906% | 602 |
| Total risk-based capital ratio | 31.1916% | 592 |
| Memoranda: | ||
| Average total assets | $37,088,670 | 7,330 |
| Average earning assets | $35,844,330 | 7,231 |
| Average equity | $6,345,670 | 6,593 |
| Average total loans | $13,443,670 | 7,684 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4873% | 7,727 |
| Cost of funding earning assets | 1.3574% | 6,852 |
| Net interest margin | 3.1299% | 6,103 |
| Noninterest income to average assets | 0.0433% | 7,865 |
| Noninterest expense to average assets | 2.5895% | 5,502 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.4009% | 4,854 |
| Return on assets (ROA) | 0.4009% | 5,038 |
| Pretax return on assets | 0.4767% | 5,147 |
| Return on Equity (ROE) | 2.3336% | 5,650 |
| Retained earnings to average equity (ytd only) | 2.3336% | 4,581 |
| Net charge-offs to loans | 0.2609% | 3,099 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 4.8889% | 2,793 |
| Efficiency ratio | 84.4523% | 2,254 |
| Assets per employee ($millions) | 4.1328% | 3,395 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0711% | 1,290 |
| Loan loss allowance to noncurrent loans | 33.7617% | 6,279 |
| Noncurrent assets plus other real estate owned to assets | 2.3014% | 2,499 |
| Noncurrent loans to loans | 6.1344% | 768 |
| Net loans and leases to total assets | 36.7388% | 7,706 |
| Net loans and leases to deposits | 44.7607% | 7,701 |
| Net loans and leases to core deposits | 51.3027% | 7,747 |
| Total domestic deposits to total assets | 82.0782% | 4,515 |
| Equity capital to assets | 17.0614% | 718 |
| Core capital (leverage) ratio | 17.0855% | 639 |
| Tier 1 risk-based capital ratio | 28.6659% | 707 |
| Total risk-based capital ratio | 29.9158% | 691 |
| Memoranda: | ||
| Average total assets | $36,919,000 | 7,384 |
| Average earning assets | $35,656,500 | 7,274 |
| Average equity | $6,342,000 | 6,643 |
| Average total loans | $13,800,000 | 7,706 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9863% | 7,844 |
| Cost of funding earning assets | 1.9460% | 6,589 |
| Net interest margin | 3.0403% | 6,814 |
| Noninterest income to average assets | 0.1697% | 7,209 |
| Noninterest expense to average assets | 2.4638% | 6,154 |
| Loan and lease loss provision to assets | 0.1193% | 5,840 |
| Net operating income to assets | 0.3456% | 5,371 |
| Return on assets (ROA) | 0.3474% | 5,178 |
| Pretax return on assets | 0.5145% | 4,934 |
| Return on Equity (ROE) | 2.0928% | 5,581 |
| Retained earnings to average equity (ytd only) | 1.7253% | 4,182 |
| Net charge-offs to loans | 0.3943% | 2,843 |
| Credit loss provision to net charge-offs | 78.9474% | 5,922 |
| Earnings coverage of net charge-offs (x) | 4.1754% | 4,076 |
| Efficiency ratio | 79.6058% | 2,652 |
| Assets per employee ($millions) | 4.0714% | 3,365 |
| Cash dividends to net income (ytd only)* | 17.5573% | 4,517 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1838% | 966 |
| Loan loss allowance to noncurrent loans | 32.8194% | 6,535 |
| Noncurrent assets plus other real estate owned to assets | 2.4780% | 1,963 |
| Noncurrent loans to loans | 6.6540% | 477 |
| Net loans and leases to total assets | 36.4271% | 7,815 |
| Net loans and leases to deposits | 44.6227% | 7,828 |
| Net loans and leases to core deposits | 50.6296% | 7,877 |
| Total domestic deposits to total assets | 81.6336% | 4,355 |
| Equity capital to assets | 17.2966% | 746 |
| Core capital (leverage) ratio | 16.9013% | 711 |
| Tier 1 risk-based capital ratio | 28.4841% | 735 |
| Total risk-based capital ratio | 29.7338% | 718 |
| Memoranda: | ||
| Average total assets | $37,706,600 | 7,320 |
| Average earning assets | $36,279,200 | 7,232 |
| Average equity | $6,259,600 | 6,708 |
| Average total loans | $14,454,400 | 7,681 |