Home > COMMUNITY BANK OF OKLAHOMA > Performance and Condition Ratios
COMMUNITY BANK OF OKLAHOMA, 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 | 4.9719% | 3,159 |
| Cost of funding earning assets | 1.3374% | 3,527 |
| Net interest margin | 3.6345% | 2,006 |
| Noninterest income to average assets | 0.6400% | 1,211 |
| Noninterest expense to average assets | 3.0909% | 1,009 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | 0.9262% | 2,491 |
| Return on assets (ROA) | 0.9262% | 2,491 |
| Pretax return on assets | 0.9262% | 2,904 |
| Return on Equity (ROE) | 9.9100% | 2,341 |
| Retained earnings to average equity (ytd only) | -24.5989% | 4,411 |
| Net charge-offs to loans | 0.0000% | 2,326 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 76.9444% | 1,172 |
| Assets per employee ($millions) | 4.9634% | 3,696 |
| Cash dividends to net income (ytd only)* | 348.1928% | 56 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8154% | 3,830 |
| Loan loss allowance to noncurrent loans | 22.2302% | 3,722 |
| Noncurrent assets plus other real estate owned to assets | 1.7617% | 299 |
| Noncurrent loans to loans | 3.6680% | 146 |
| Net loans and leases to total assets | 47.6400% | 3,687 |
| Net loans and leases to deposits | 52.3251% | 3,787 |
| Net loans and leases to core deposits | 54.2848% | 3,878 |
| Total domestic deposits to total assets | 91.0400% | 509 |
| Equity capital to assets | 8.2542% | 3,463 |
| Core capital (leverage) ratio | 11.6572% | 1,630 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $71,693,500 | 4,024 |
| Average earning assets | $66,694,500 | 4,001 |
| Average equity | $6,699,500 | 4,101 |
| Average total loans | $38,416,500 | 3,972 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6827% | 1,786 |
| Cost of funding earning assets | 1.7082% | 2,936 |
| Net interest margin | 3.9745% | 1,226 |
| Noninterest income to average assets | 0.6200% | 1,441 |
| Noninterest expense to average assets | 2.6671% | 1,815 |
| Loan and lease loss provision to assets | 0.1000% | 1,394 |
| Net operating income to assets | 1.4634% | 963 |
| Return on assets (ROA) | 1.4634% | 962 |
| Pretax return on assets | 1.5647% | 1,169 |
| Return on Equity (ROE) | 15.9300% | 795 |
| Retained earnings to average equity (ytd only) | 5.3359% | 2,087 |
| Net charge-offs to loans | 0.1794% | 768 |
| Credit loss provision to net charge-offs | 100.0000% | 1,885 |
| Earnings coverage of net charge-offs (x) | 17.3333% | 1,935 |
| Efficiency ratio | 61.6298% | 2,995 |
| Assets per employee ($millions) | 3.9983% | 4,094 |
| Cash dividends to net income (ytd only)* | 66.5085% | 935 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8038% | 3,861 |
| Loan loss allowance to noncurrent loans | 66.1702% | 3,309 |
| Noncurrent assets plus other real estate owned to assets | 0.7347% | 1,014 |
| Noncurrent loans to loans | 1.2147% | 839 |
| Net loans and leases to total assets | 60.0000% | 2,937 |
| Net loans and leases to deposits | 67.8685% | 3,088 |
| Net loans and leases to core deposits | 71.1168% | 3,304 |
| Total domestic deposits to total assets | 88.4000% | 1,362 |
| Equity capital to assets | 10.6983% | 1,726 |
| Core capital (leverage) ratio | 12.2747% | 1,331 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2561% | 1,008 |
| Memoranda: | ||
| Average total assets | $72,025,000 | 4,028 |
| Average earning assets | $67,204,000 | 4,003 |
| Average equity | $6,615,600 | 4,094 |
| Average total loans | $38,467,800 | 3,979 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6219% | 1,859 |
| Cost of funding earning assets | 1.7135% | 2,924 |
| Net interest margin | 3.9084% | 1,287 |
| Noninterest income to average assets | 0.6100% | 1,436 |
| Noninterest expense to average assets | 2.4869% | 2,297 |
| Loan and lease loss provision to assets | 0.0000% | 3,009 |
| Net operating income to assets | 1.6442% | 758 |
| Return on assets (ROA) | 1.6442% | 758 |
| Pretax return on assets | 1.7756% | 905 |
| Return on Equity (ROE) | 18.5600% | 526 |
| Retained earnings to average equity (ytd only) | 4.3098% | 2,724 |
| Net charge-offs to loans | 0.0000% | 2,849 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 58.3439% | 3,317 |
| Assets per employee ($millions) | 4.4538% | 3,955 |
| Cash dividends to net income (ytd only)* | 76.7798% | 545 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8013% | 3,904 |
| Loan loss allowance to noncurrent loans | 72.4942% | 3,320 |
| Noncurrent assets plus other real estate owned to assets | 0.6020% | 1,192 |
| Noncurrent loans to loans | 1.1054% | 899 |
| Net loans and leases to total assets | 54.0300% | 3,400 |
| Net loans and leases to deposits | 60.5651% | 3,563 |
| Net loans and leases to core deposits | 63.1334% | 3,680 |
| Total domestic deposits to total assets | 89.2000% | 834 |
| Equity capital to assets | 9.9550% | 2,334 |
| Core capital (leverage) ratio | 11.1263% | 1,967 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9481% | 1,106 |
| Memoranda: | ||
| Average total assets | $74,038,000 | 4,024 |
| Average earning assets | $69,251,000 | 4,004 |
| Average equity | $6,558,500 | 4,117 |
| Average total loans | $38,411,750 | 4,000 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5336% | 1,913 |
| Cost of funding earning assets | 1.6757% | 2,911 |
| Net interest margin | 3.8578% | 1,330 |
| Noninterest income to average assets | 0.5800% | 1,524 |
| Noninterest expense to average assets | 2.4679% | 2,331 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 1.5554% | 835 |
| Return on assets (ROA) | 1.5554% | 842 |
| Pretax return on assets | 1.7262% | 940 |
| Return on Equity (ROE) | 18.2800% | 588 |
| Retained earnings to average equity (ytd only) | -3.6991% | 4,256 |
| Net charge-offs to loans | 0.0000% | 2,619 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 58.8422% | 3,317 |
| Assets per employee ($millions) | 4.6204% | 3,858 |
| Cash dividends to net income (ytd only)* | 120.2401% | 218 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8009% | 3,934 |
| Loan loss allowance to noncurrent loans | 46.2110% | 3,597 |
| Noncurrent assets plus other real estate owned to assets | 0.9104% | 680 |
| Noncurrent loans to loans | 1.7331% | 463 |
| Net loans and leases to total assets | 52.1100% | 3,535 |
| Net loans and leases to deposits | 57.5884% | 3,687 |
| Net loans and leases to core deposits | 59.3944% | 3,783 |
| Total domestic deposits to total assets | 90.4800% | 578 |
| Equity capital to assets | 8.7113% | 2,948 |
| Core capital (leverage) ratio | 10.5920% | 2,302 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4345% | 1,013 |
| Memoranda: | ||
| Average total assets | $74,963,667 | 4,034 |
| Average earning assets | $70,298,333 | 4,002 |
| Average equity | $6,380,000 | 4,140 |
| Average total loans | $38,278,667 | 4,015 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5393% | 1,741 |
| Cost of funding earning assets | 1.7035% | 2,760 |
| Net interest margin | 3.8358% | 1,312 |
| Noninterest income to average assets | 0.5800% | 1,433 |
| Noninterest expense to average assets | 2.4271% | 2,442 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 1.6746% | 690 |
| Return on assets (ROA) | 1.6746% | 697 |
| Pretax return on assets | 1.7594% | 879 |
| Return on Equity (ROE) | 19.9100% | 442 |
| Retained earnings to average equity (ytd only) | -24.2520% | 4,463 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 57.9747% | 3,438 |
| Assets per employee ($millions) | 4.4755% | 3,951 |
| Cash dividends to net income (ytd only)* | 221.8354% | 136 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8091% | 3,917 |
| Loan loss allowance to noncurrent loans | 60.8611% | 3,512 |
| Noncurrent assets plus other real estate owned to assets | 0.6716% | 938 |
| Noncurrent loans to loans | 1.3293% | 611 |
| Net loans and leases to total assets | 50.1100% | 3,602 |
| Net loans and leases to deposits | 54.9623% | 3,743 |
| Net loans and leases to core deposits | 56.9132% | 3,874 |
| Total domestic deposits to total assets | 91.1800% | 486 |
| Equity capital to assets | 8.0280% | 3,350 |
| Core capital (leverage) ratio | 10.0926% | 2,679 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0005% | 1,088 |
| Memoranda: | ||
| Average total assets | $75,482,000 | 4,054 |
| Average earning assets | $70,911,000 | 4,023 |
| Average equity | $6,350,000 | 4,162 |
| Average total loans | $38,001,500 | 4,028 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1358% | 1,781 |
| Cost of funding earning assets | 1.2111% | 2,772 |
| Net interest margin | 3.9247% | 1,326 |
| Noninterest income to average assets | 0.5500% | 1,725 |
| Noninterest expense to average assets | 2.4346% | 2,486 |
| Loan and lease loss provision to assets | 0.1000% | 1,286 |
| Net operating income to assets | 1.6017% | 864 |
| Return on assets (ROA) | 1.6017% | 833 |
| Pretax return on assets | 1.7210% | 1,019 |
| Return on Equity (ROE) | 21.6600% | 485 |
| Retained earnings to average equity (ytd only) | 12.4856% | 576 |
| Net charge-offs to loans | 0.2205% | 490 |
| Credit loss provision to net charge-offs | 100.0000% | 1,838 |
| Earnings coverage of net charge-offs (x) | 18.5641% | 1,929 |
| Efficiency ratio | 57.2357% | 3,374 |
| Assets per employee ($millions) | 4.9920% | 3,641 |
| Cash dividends to net income (ytd only)* | 42.3529% | 1,983 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8279% | 3,895 |
| Loan loss allowance to noncurrent loans | 863.8889% | 999 |
| Noncurrent assets plus other real estate owned to assets | 0.0481% | 3,274 |
| Noncurrent loans to loans | 0.0958% | 3,063 |
| Net loans and leases to total assets | 49.7500% | 3,614 |
| Net loans and leases to deposits | 55.0292% | 3,751 |
| Net loans and leases to core deposits | 57.0117% | 3,874 |
| Total domestic deposits to total assets | 90.4000% | 653 |
| Equity capital to assets | 8.8034% | 2,823 |
| Core capital (leverage) ratio | 10.3214% | 2,494 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2639% | 867 |
| Memoranda: | ||
| Average total assets | $79,603,600 | 4,017 |
| Average earning assets | $75,139,000 | 3,977 |
| Average equity | $5,886,800 | 4,171 |
| Average total loans | $35,372,200 | 4,063 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9719% | 1,892 |
| Cost of funding earning assets | 1.0597% | 2,863 |
| Net interest margin | 3.9122% | 1,373 |
| Noninterest income to average assets | 0.5400% | 1,768 |
| Noninterest expense to average assets | 2.0779% | 3,402 |
| Loan and lease loss provision to assets | 0.1300% | 897 |
| Net operating income to assets | 1.8782% | 578 |
| Return on assets (ROA) | 1.8782% | 572 |
| Pretax return on assets | 2.0333% | 727 |
| Return on Equity (ROE) | 26.5700% | 326 |
| Retained earnings to average equity (ytd only) | 13.9622% | 677 |
| Net charge-offs to loans | 0.2986% | 294 |
| Credit loss provision to net charge-offs | 100.0000% | 1,617 |
| Earnings coverage of net charge-offs (x) | 16.7949% | 1,920 |
| Efficiency ratio | 49.0074% | 3,983 |
| Assets per employee ($millions) | 4.6580% | 3,845 |
| Cash dividends to net income (ytd only)* | 47.4517% | 1,356 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8454% | 3,884 |
| Loan loss allowance to noncurrent loans | 1,196.1538% | 768 |
| Noncurrent assets plus other real estate owned to assets | 0.0417% | 3,383 |
| Noncurrent loans to loans | 0.0707% | 3,251 |
| Net loans and leases to total assets | 46.0600% | 3,828 |
| Net loans and leases to deposits | 50.1733% | 3,928 |
| Net loans and leases to core deposits | 51.5089% | 3,992 |
| Total domestic deposits to total assets | 91.8100% | 494 |
| Equity capital to assets | 7.5430% | 3,332 |
| Core capital (leverage) ratio | 10.1047% | 2,725 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3624% | 900 |
| Memoranda: | ||
| Average total assets | $80,784,500 | 4,026 |
| Average earning assets | $76,374,000 | 3,982 |
| Average equity | $5,710,500 | 4,200 |
| Average total loans | $34,824,500 | 4,089 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8804% | 1,810 |
| Cost of funding earning assets | 0.9745% | 2,690 |
| Net interest margin | 3.9059% | 1,416 |
| Noninterest income to average assets | 0.5400% | 1,717 |
| Noninterest expense to average assets | 2.1324% | 3,262 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.8938% | 565 |
| Return on assets (ROA) | 1.8938% | 559 |
| Pretax return on assets | 2.1078% | 617 |
| Return on Equity (ROE) | 27.3900% | 279 |
| Retained earnings to average equity (ytd only) | 8.1807% | 1,910 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 50.2900% | 3,901 |
| Assets per employee ($millions) | 5.1911% | 3,421 |
| Cash dividends to net income (ytd only)* | 70.1299% | 751 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8668% | 3,866 |
| Loan loss allowance to noncurrent loans | 270.4348% | 2,268 |
| Noncurrent assets plus other real estate owned to assets | 0.1567% | 2,453 |
| Noncurrent loans to loans | 0.3205% | 1,994 |
| Net loans and leases to total assets | 45.6800% | 3,810 |
| Net loans and leases to deposits | 49.7003% | 3,928 |
| Net loans and leases to core deposits | 51.8415% | 3,962 |
| Total domestic deposits to total assets | 91.9100% | 433 |
| Equity capital to assets | 7.4435% | 3,557 |
| Core capital (leverage) ratio | 9.2527% | 3,501 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8676% | 977 |
| Memoranda: | ||
| Average total assets | $81,317,333 | 4,035 |
| Average earning assets | $76,960,333 | 3,991 |
| Average equity | $5,623,000 | 4,237 |
| Average total loans | $34,170,667 | 4,111 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5243% | 2,263 |
| Cost of funding earning assets | 0.7769% | 2,815 |
| Net interest margin | 3.7474% | 1,796 |
| Noninterest income to average assets | 0.5300% | 1,720 |
| Noninterest expense to average assets | 2.1627% | 3,220 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.9267% | 550 |
| Return on assets (ROA) | 1.9267% | 543 |
| Pretax return on assets | 1.9267% | 877 |
| Return on Equity (ROE) | 28.9000% | 259 |
| Retained earnings to average equity (ytd only) | -10.1147% | 4,478 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 52.8857% | 3,714 |
| Assets per employee ($millions) | 5.2276% | 3,482 |
| Cash dividends to net income (ytd only)* | 135.0000% | 275 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8975% | 3,862 |
| Loan loss allowance to noncurrent loans | 257.0248% | 2,393 |
| Noncurrent assets plus other real estate owned to assets | 0.1530% | 2,439 |
| Noncurrent loans to loans | 0.3492% | 1,893 |
| Net loans and leases to total assets | 41.0600% | 3,995 |
| Net loans and leases to deposits | 44.2282% | 4,091 |
| Net loans and leases to core deposits | 46.7517% | 4,088 |
| Total domestic deposits to total assets | 92.8300% | 339 |
| Equity capital to assets | 6.5781% | 4,004 |
| Core capital (leverage) ratio | 8.6283% | 4,054 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8747% | 1,178 |
| Memoranda: | ||
| Average total assets | $83,042,500 | 4,071 |
| Average earning assets | $78,775,000 | 4,025 |
| Average equity | $5,536,500 | 4,297 |
| Average total loans | $33,315,500 | 4,180 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1858% | 3,836 |
| Cost of funding earning assets | 0.2333% | 3,480 |
| Net interest margin | 2.9525% | 3,564 |
| Noninterest income to average assets | 0.4700% | 2,269 |
| Noninterest expense to average assets | 2.0292% | 3,505 |
| Loan and lease loss provision to assets | 0.1100% | 1,145 |
| Net operating income to assets | 1.1285% | 2,062 |
| Return on assets (ROA) | 1.1285% | 2,004 |
| Pretax return on assets | 1.1285% | 2,675 |
| Return on Equity (ROE) | 17.5500% | 775 |
| Retained earnings to average equity (ytd only) | 12.5031% | 591 |
| Net charge-offs to loans | 0.3135% | 240 |
| Credit loss provision to net charge-offs | 100.0000% | 1,554 |
| Earnings coverage of net charge-offs (x) | 11.1134% | 2,164 |
| Efficiency ratio | 62.0690% | 2,755 |
| Assets per employee ($millions) | 5.1528% | 3,558 |
| Cash dividends to net income (ytd only)* | 28.7462% | 2,480 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9725% | 3,504 |
| Loan loss allowance to noncurrent loans | 239.2308% | 2,453 |
| Noncurrent assets plus other real estate owned to assets | 0.1662% | 2,383 |
| Noncurrent loans to loans | 0.4065% | 1,706 |
| Net loans and leases to total assets | 38.4100% | 4,130 |
| Net loans and leases to deposits | 41.4579% | 4,202 |
| Net loans and leases to core deposits | 43.7077% | 4,188 |
| Total domestic deposits to total assets | 92.6500% | 478 |
| Equity capital to assets | 6.7573% | 3,785 |
| Core capital (leverage) ratio | 8.6230% | 4,024 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.0093% | 828 |
| Memoranda: | ||
| Average total assets | $86,932,000 | 4,049 |
| Average earning assets | $82,303,200 | 4,014 |
| Average equity | $5,590,600 | 4,371 |
| Average total loans | $30,936,200 | 4,224 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8544% | 4,121 |
| Cost of funding earning assets | 0.1757% | 3,562 |
| Net interest margin | 2.6787% | 3,972 |
| Noninterest income to average assets | 0.4200% | 2,617 |
| Noninterest expense to average assets | 1.8155% | 3,957 |
| Loan and lease loss provision to assets | 0.0400% | 1,932 |
| Net operating income to assets | 1.1023% | 2,079 |
| Return on assets (ROA) | 1.1023% | 2,048 |
| Pretax return on assets | 1.1023% | 2,714 |
| Return on Equity (ROE) | 17.3500% | 736 |
| Retained earnings to average equity (ytd only) | 10.6273% | 1,162 |
| Net charge-offs to loans | 0.1174% | 535 |
| Credit loss provision to net charge-offs | 100.0000% | 1,321 |
| Earnings coverage of net charge-offs (x) | 27.9630% | 1,557 |
| Efficiency ratio | 61.3613% | 2,922 |
| Assets per employee ($millions) | 5.2486% | 3,460 |
| Cash dividends to net income (ytd only)* | 38.7363% | 1,636 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0000% | 3,482 |
| Loan loss allowance to noncurrent loans | 40.3896% | 3,843 |
| Noncurrent assets plus other real estate owned to assets | 0.9252% | 498 |
| Noncurrent loans to loans | 2.4759% | 216 |
| Net loans and leases to total assets | 36.6600% | 4,197 |
| Net loans and leases to deposits | 39.2637% | 4,261 |
| Net loans and leases to core deposits | 39.8084% | 4,281 |
| Total domestic deposits to total assets | 93.3800% | 477 |
| Equity capital to assets | 6.1195% | 3,916 |
| Core capital (leverage) ratio | 8.1102% | 4,335 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2189% | 962 |
| Memoranda: | ||
| Average total assets | $88,054,000 | 4,066 |
| Average earning assets | $83,470,000 | 4,031 |
| Average equity | $5,595,500 | 4,405 |
| Average total loans | $30,675,500 | 4,256 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5848% | 4,288 |
| Cost of funding earning assets | 0.1393% | 3,721 |
| Net interest margin | 2.4455% | 4,168 |
| Noninterest income to average assets | 0.3982% | 2,772 |
| Noninterest expense to average assets | 1.7850% | 3,999 |
| Loan and lease loss provision to assets | 0.0604% | 1,513 |
| Net operating income to assets | 0.8701% | 2,698 |
| Return on assets (ROA) | 0.8701% | 2,673 |
| Pretax return on assets | 0.8701% | 3,145 |
| Return on Equity (ROE) | 13.5359% | 1,232 |
| Retained earnings to average equity (ytd only) | 3.7233% | 3,193 |
| Net charge-offs to loans | 0.1769% | 363 |
| Credit loss provision to net charge-offs | 100.0000% | 1,271 |
| Earnings coverage of net charge-offs (x) | 15.4074% | 1,637 |
| Efficiency ratio | 65.7331% | 2,549 |
| Assets per employee ($millions) | 5.3729% | 3,369 |
| Cash dividends to net income (ytd only)* | 72.4936% | 765 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0075% | 3,562 |
| Loan loss allowance to noncurrent loans | 219.0141% | 2,550 |
| Noncurrent assets plus other real estate owned to assets | 0.1733% | 2,493 |
| Noncurrent loans to loans | 0.4600% | 1,735 |
| Net loans and leases to total assets | 35.5450% | 4,267 |
| Net loans and leases to deposits | 37.9524% | 4,338 |
| Net loans and leases to core deposits | 38.7072% | 4,362 |
| Total domestic deposits to total assets | 93.6569% | 357 |
| Equity capital to assets | 5.8499% | 4,257 |
| Core capital (leverage) ratio | 7.5715% | 4,535 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2230% | 1,142 |
| Memoranda: | ||
| Average total assets | $89,412,667 | 4,086 |
| Average earning assets | $84,726,000 | 4,066 |
| Average equity | $5,747,667 | 4,440 |
| Average total loans | $30,534,000 | 4,303 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4601% | 4,316 |
| Cost of funding earning assets | 0.1346% | 3,706 |
| Net interest margin | 2.3255% | 4,196 |
| Noninterest income to average assets | 0.4170% | 2,579 |
| Noninterest expense to average assets | 1.8215% | 3,886 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.7944% | 2,676 |
| Return on assets (ROA) | 0.7944% | 2,670 |
| Pretax return on assets | 0.7944% | 3,125 |
| Return on Equity (ROE) | 11.8552% | 1,361 |
| Retained earnings to average equity (ytd only) | -6.6154% | 4,479 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6309% | 2,284 |
| Assets per employee ($millions) | 5.6166% | 3,217 |
| Cash dividends to net income (ytd only)* | 155.8011% | 300 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0293% | 3,596 |
| Loan loss allowance to noncurrent loans | 95.9877% | 3,421 |
| Noncurrent assets plus other real estate owned to assets | 0.4885% | 1,233 |
| Noncurrent loans to loans | 1.0723% | 839 |
| Net loans and leases to total assets | 33.2777% | 4,329 |
| Net loans and leases to deposits | 35.6972% | 4,393 |
| Net loans and leases to core deposits | 36.1569% | 4,420 |
| Total domestic deposits to total assets | 93.2221% | 219 |
| Equity capital to assets | 6.3084% | 4,494 |
| Core capital (leverage) ratio | 7.1943% | 4,652 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9987% | 1,253 |
| Memoranda: | ||
| Average total assets | $91,135,500 | 4,086 |
| Average earning assets | $86,175,000 | 4,060 |
| Average equity | $6,107,000 | 4,453 |
| Average total loans | $30,367,000 | 4,319 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7662% | 4,247 |
| Cost of funding earning assets | 0.1718% | 3,753 |
| Net interest margin | 2.5944% | 4,057 |
| Noninterest income to average assets | 0.4399% | 2,858 |
| Noninterest expense to average assets | 2.2089% | 3,053 |
| Loan and lease loss provision to assets | 0.0120% | 2,843 |
| Net operating income to assets | 0.6742% | 3,686 |
| Return on assets (ROA) | 0.6742% | 3,738 |
| Pretax return on assets | 0.6742% | 3,982 |
| Return on Equity (ROE) | 8.5480% | 3,066 |
| Retained earnings to average equity (ytd only) | 3.4253% | 3,442 |
| Net charge-offs to loans | 0.0331% | 1,573 |
| Credit loss provision to net charge-offs | 100.0000% | 1,789 |
| Earnings coverage of net charge-offs (x) | 57.4000% | 1,208 |
| Efficiency ratio | 76.3006% | 1,080 |
| Assets per employee ($millions) | 5.7754% | 2,985 |
| Cash dividends to net income (ytd only)* | 59.9291% | 1,096 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0191% | 3,665 |
| Loan loss allowance to noncurrent loans | 154.7264% | 2,925 |
| Noncurrent assets plus other real estate owned to assets | 0.3420% | 1,857 |
| Noncurrent loans to loans | 0.6586% | 1,518 |
| Net loans and leases to total assets | 32.6894% | 4,422 |
| Net loans and leases to deposits | 35.3571% | 4,495 |
| Net loans and leases to core deposits | 36.1000% | 4,516 |
| Total domestic deposits to total assets | 92.4550% | 99 |
| Equity capital to assets | 7.0829% | 4,705 |
| Core capital (leverage) ratio | 6.5424% | 4,794 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9480% | 1,276 |
| Memoranda: | ||
| Average total assets | $83,660,000 | 4,168 |
| Average earning assets | $79,170,000 | 4,139 |
| Average equity | $6,598,000 | 4,470 |
| Average total loans | $30,213,600 | 4,370 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8596% | 4,227 |
| Cost of funding earning assets | 0.1813% | 3,806 |
| Net interest margin | 2.6782% | 4,015 |
| Noninterest income to average assets | 0.4222% | 2,969 |
| Noninterest expense to average assets | 2.0636% | 3,475 |
| Loan and lease loss provision to assets | 0.0110% | 2,770 |
| Net operating income to assets | 0.8853% | 3,288 |
| Return on assets (ROA) | 0.8853% | 3,363 |
| Pretax return on assets | 0.8853% | 3,726 |
| Return on Equity (ROE) | 10.9104% | 2,396 |
| Retained earnings to average equity (ytd only) | 4.0939% | 3,548 |
| Net charge-offs to loans | 0.0310% | 1,439 |
| Credit loss provision to net charge-offs | 100.0000% | 1,571 |
| Earnings coverage of net charge-offs (x) | 78.2857% | 992 |
| Efficiency ratio | 69.7070% | 1,633 |
| Assets per employee ($millions) | 6.6219% | 2,156 |
| Cash dividends to net income (ytd only)* | 62.4769% | 783 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0678% | 3,587 |
| Loan loss allowance to noncurrent loans | 86.1496% | 3,548 |
| Noncurrent assets plus other real estate owned to assets | 0.4493% | 1,682 |
| Noncurrent loans to loans | 1.2394% | 893 |
| Net loans and leases to total assets | 27.1965% | 4,674 |
| Net loans and leases to deposits | 29.1496% | 4,719 |
| Net loans and leases to core deposits | 29.7537% | 4,730 |
| Total domestic deposits to total assets | 93.2997% | 24 |
| Equity capital to assets | 6.3567% | 4,874 |
| Core capital (leverage) ratio | 5.7127% | 4,902 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6242% | 1,213 |
| Memoranda: | ||
| Average total assets | $81,473,500 | 4,244 |
| Average earning assets | $77,212,750 | 4,215 |
| Average equity | $6,611,250 | 4,534 |
| Average total loans | $30,137,500 | 4,428 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2962% | 3,436 |
| Cost of funding earning assets | 0.2082% | 3,670 |
| Net interest margin | 3.0880% | 3,066 |
| Noninterest income to average assets | 0.4665% | 2,774 |
| Noninterest expense to average assets | 2.2042% | 3,079 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.1758% | 2,278 |
| Return on assets (ROA) | 1.1758% | 2,342 |
| Pretax return on assets | 1.1758% | 2,977 |
| Return on Equity (ROE) | 13.1202% | 1,666 |
| Retained earnings to average equity (ytd only) | 2.8311% | 3,895 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2139% | 2,268 |
| Assets per employee ($millions) | 7.2826% | 1,608 |
| Cash dividends to net income (ytd only)* | 78.4223% | 518 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0239% | 3,750 |
| Loan loss allowance to noncurrent loans | 31.9630% | 4,141 |
| Noncurrent assets plus other real estate owned to assets | 0.9337% | 824 |
| Noncurrent loans to loans | 3.2035% | 215 |
| Net loans and leases to total assets | 25.7996% | 4,754 |
| Net loans and leases to deposits | 27.4509% | 4,788 |
| Net loans and leases to core deposits | 28.0338% | 4,802 |
| Total domestic deposits to total assets | 93.9848% | 10 |
| Equity capital to assets | 5.7028% | 4,931 |
| Core capital (leverage) ratio | 8.3523% | 4,130 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $73,314,333 | 4,376 |
| Average earning assets | $69,171,000 | 4,353 |
| Average equity | $6,570,000 | 4,563 |
| Average total loans | $30,474,667 | 4,460 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2886% | 237 |
| Cost of funding earning assets | 0.3190% | 2,805 |
| Net interest margin | 4.9696% | 193 |
| Noninterest income to average assets | 0.6498% | 2,028 |
| Noninterest expense to average assets | 3.1560% | 768 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 2.0731% | 518 |
| Return on assets (ROA) | 2.0731% | 554 |
| Pretax return on assets | 2.0731% | 840 |
| Return on Equity (ROE) | 16.4103% | 942 |
| Retained earnings to average equity (ytd only) | -3.4902% | 4,626 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.3550% | 2,989 |
| Assets per employee ($millions) | 3.4474% | 4,709 |
| Cash dividends to net income (ytd only)* | 121.2687% | 321 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0391% | 3,694 |
| Loan loss allowance to noncurrent loans | 41.8011% | 4,095 |
| Noncurrent assets plus other real estate owned to assets | 1.5573% | 390 |
| Noncurrent loans to loans | 2.4858% | 373 |
| Net loans and leases to total assets | 53.6975% | 3,271 |
| Net loans and leases to deposits | 61.2925% | 3,387 |
| Net loans and leases to core deposits | 64.3108% | 3,382 |
| Total domestic deposits to total assets | 87.6085% | 2,044 |
| Equity capital to assets | 11.7261% | 1,427 |
| Core capital (leverage) ratio | 12.2525% | 1,076 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $51,711,000 | 4,656 |
| Average earning assets | $47,650,000 | 4,646 |
| Average equity | $6,532,500 | 4,582 |
| Average total loans | $30,525,500 | 4,485 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3917% | 1,612 |
| Cost of funding earning assets | 0.3663% | 3,782 |
| Net interest margin | 4.0254% | 927 |
| Noninterest income to average assets | 0.6068% | 2,195 |
| Noninterest expense to average assets | 3.0078% | 1,414 |
| Loan and lease loss provision to assets | 0.1804% | 2,138 |
| Net operating income to assets | 1.1554% | 1,703 |
| Return on assets (ROA) | 1.1554% | 1,828 |
| Pretax return on assets | 1.1554% | 2,493 |
| Return on Equity (ROE) | 9.7359% | 2,102 |
| Retained earnings to average equity (ytd only) | 4.3376% | 2,633 |
| Net charge-offs to loans | 0.2155% | 809 |
| Credit loss provision to net charge-offs | 147.6923% | 2,437 |
| Earnings coverage of net charge-offs (x) | 10.9385% | 2,428 |
| Efficiency ratio | 69.2474% | 2,056 |
| Assets per employee ($millions) | 3.0164% | 4,807 |
| Cash dividends to net income (ytd only)* | 55.4472% | 1,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9993% | 3,869 |
| Loan loss allowance to noncurrent loans | 142.0091% | 2,870 |
| Noncurrent assets plus other real estate owned to assets | 0.6920% | 1,503 |
| Noncurrent loans to loans | 0.7037% | 1,939 |
| Net loans and leases to total assets | 63.8377% | 2,382 |
| Net loans and leases to deposits | 74.6041% | 2,420 |
| Net loans and leases to core deposits | 78.8100% | 2,476 |
| Total domestic deposits to total assets | 85.5687% | 2,543 |
| Equity capital to assets | 13.6689% | 884 |
| Core capital (leverage) ratio | 11.0673% | 1,749 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $53,227,600 | 4,610 |
| Average earning assets | $49,411,200 | 4,593 |
| Average equity | $6,316,800 | 4,604 |
| Average total loans | $30,165,600 | 4,515 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3719% | 1,919 |
| Cost of funding earning assets | 0.3656% | 3,975 |
| Net interest margin | 4.0062% | 1,102 |
| Noninterest income to average assets | 0.5214% | 2,521 |
| Noninterest expense to average assets | 2.7587% | 2,096 |
| Loan and lease loss provision to assets | 0.1175% | 2,854 |
| Net operating income to assets | 1.3732% | 1,171 |
| Return on assets (ROA) | 1.3732% | 1,265 |
| Pretax return on assets | 1.3732% | 1,814 |
| Return on Equity (ROE) | 11.9739% | 1,375 |
| Retained earnings to average equity (ytd only) | 4.6957% | 2,694 |
| Net charge-offs to loans | 0.0802% | 1,501 |
| Credit loss provision to net charge-offs | 266.6667% | 1,867 |
| Earnings coverage of net charge-offs (x) | 33.8333% | 1,491 |
| Efficiency ratio | 64.9194% | 2,607 |
| Assets per employee ($millions) | 3.9563% | 4,347 |
| Cash dividends to net income (ytd only)* | 60.7843% | 1,107 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0193% | 3,619 |
| Loan loss allowance to noncurrent loans | 184.5238% | 2,348 |
| Noncurrent assets plus other real estate owned to assets | 0.4471% | 2,397 |
| Noncurrent loans to loans | 0.5524% | 2,412 |
| Net loans and leases to total assets | 47.5569% | 4,234 |
| Net loans and leases to deposits | 53.3437% | 4,363 |
| Net loans and leases to core deposits | 55.4994% | 4,395 |
| Total domestic deposits to total assets | 89.1518% | 705 |
| Equity capital to assets | 10.3347% | 2,935 |
| Core capital (leverage) ratio | 9.4763% | 3,288 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $54,468,750 | 4,615 |
| Average earning assets | $50,686,250 | 4,592 |
| Average equity | $6,246,750 | 4,635 |
| Average total loans | $29,926,750 | 4,541 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8300% | 1,098 |
| Cost of funding earning assets | 0.3931% | 4,064 |
| Net interest margin | 4.4369% | 567 |
| Noninterest income to average assets | 0.5551% | 2,330 |
| Noninterest expense to average assets | 2.9306% | 1,762 |
| Loan and lease loss provision to assets | 0.1436% | 2,577 |
| Net operating income to assets | 1.5992% | 762 |
| Return on assets (ROA) | 1.5992% | 830 |
| Pretax return on assets | 1.5992% | 1,224 |
| Return on Equity (ROE) | 13.4020% | 1,001 |
| Retained earnings to average equity (ytd only) | 2.3096% | 3,636 |
| Net charge-offs to loans | 0.0470% | 1,811 |
| Credit loss provision to net charge-offs | 528.5714% | 1,184 |
| Earnings coverage of net charge-offs (x) | 64.1429% | 925 |
| Efficiency ratio | 62.7076% | 3,008 |
| Assets per employee ($millions) | 4.4096% | 3,900 |
| Cash dividends to net income (ytd only)* | 82.7670% | 706 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0284% | 3,422 |
| Loan loss allowance to noncurrent loans | 248.8000% | 1,807 |
| Noncurrent assets plus other real estate owned to assets | 0.3402% | 2,941 |
| Noncurrent loans to loans | 0.4133% | 2,932 |
| Net loans and leases to total assets | 42.4220% | 4,518 |
| Net loans and leases to deposits | 46.8491% | 4,624 |
| Net loans and leases to core deposits | 48.5058% | 4,653 |
| Total domestic deposits to total assets | 90.5504% | 262 |
| Equity capital to assets | 8.9847% | 4,103 |
| Core capital (leverage) ratio | 10.1711% | 2,671 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $51,524,667 | 4,667 |
| Average earning assets | $47,826,000 | 4,655 |
| Average equity | $6,148,333 | 4,670 |
| Average total loans | $29,764,333 | 4,567 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5118% | 372 |
| Cost of funding earning assets | 0.5011% | 3,941 |
| Net interest margin | 5.0107% | 189 |
| Noninterest income to average assets | 0.7332% | 1,520 |
| Noninterest expense to average assets | 3.6753% | 721 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.6282% | 588 |
| Return on assets (ROA) | 1.6282% | 647 |
| Pretax return on assets | 1.6282% | 995 |
| Return on Equity (ROE) | 11.3002% | 1,329 |
| Retained earnings to average equity (ytd only) | -11.2341% | 4,803 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2998% | 2,464 |
| Assets per employee ($millions) | 2.6772% | 4,911 |
| Cash dividends to net income (ytd only)* | 199.4152% | 303 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9663% | 3,867 |
| Loan loss allowance to noncurrent loans | 74.7340% | 3,658 |
| Noncurrent assets plus other real estate owned to assets | 1.1579% | 1,096 |
| Noncurrent loans to loans | 1.2930% | 1,266 |
| Net loans and leases to total assets | 67.2301% | 2,665 |
| Net loans and leases to deposits | 78.7993% | 2,798 |
| Net loans and leases to core deposits | 84.3922% | 2,817 |
| Total domestic deposits to total assets | 85.3181% | 2,284 |
| Equity capital to assets | 13.9139% | 1,088 |
| Core capital (leverage) ratio | 14.1346% | 877 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $42,010,500 | 4,810 |
| Average earning assets | $38,318,000 | 4,814 |
| Average equity | $6,053,000 | 4,718 |
| Average total loans | $29,526,000 | 4,605 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5304% | 534 |
| Cost of funding earning assets | 0.4191% | 4,379 |
| Net interest margin | 5.1113% | 218 |
| Noninterest income to average assets | 0.8048% | 1,439 |
| Noninterest expense to average assets | 4.0099% | 526 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.4594% | 1,159 |
| Return on assets (ROA) | 1.4594% | 1,219 |
| Pretax return on assets | 1.4594% | 1,942 |
| Return on Equity (ROE) | 10.6899% | 2,010 |
| Retained earnings to average equity (ytd only) | 5.8090% | 1,977 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3162% | 1,686 |
| Assets per employee ($millions) | 2.5741% | 4,978 |
| Cash dividends to net income (ytd only)* | 45.6592% | 2,295 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9375% | 3,799 |
| Loan loss allowance to noncurrent loans | 217.8295% | 1,961 |
| Noncurrent assets plus other real estate owned to assets | 0.6070% | 2,076 |
| Noncurrent loans to loans | 0.4304% | 2,905 |
| Net loans and leases to total assets | 72.0925% | 2,078 |
| Net loans and leases to deposits | 85.5234% | 2,151 |
| Net loans and leases to core deposits | 89.0528% | 2,510 |
| Total domestic deposits to total assets | 84.2956% | 2,757 |
| Equity capital to assets | 14.9225% | 813 |
| Core capital (leverage) ratio | 14.5108% | 798 |
| Tier 1 risk-based capital ratio | 16.9616% | 2,060 |
| Total risk-based capital ratio | 17.7433% | 2,161 |
| Memoranda: | ||
| Average total assets | $42,619,600 | 4,859 |
| Average earning assets | $38,894,400 | 4,857 |
| Average equity | $5,818,600 | 4,781 |
| Average total loans | $30,609,000 | 4,628 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4774% | 608 |
| Cost of funding earning assets | 0.4099% | 4,469 |
| Net interest margin | 5.0675% | 251 |
| Noninterest income to average assets | 0.7352% | 1,641 |
| Noninterest expense to average assets | 3.7414% | 706 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.6349% | 854 |
| Return on assets (ROA) | 1.6349% | 899 |
| Pretax return on assets | 1.6349% | 1,516 |
| Return on Equity (ROE) | 12.2482% | 1,532 |
| Retained earnings to average equity (ytd only) | 5.6476% | 2,538 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5903% | 2,178 |
| Assets per employee ($millions) | 2.5624% | 5,059 |
| Cash dividends to net income (ytd only)* | 53.8903% | 1,507 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9563% | 3,798 |
| Loan loss allowance to noncurrent loans | 102.9304% | 3,269 |
| Noncurrent assets plus other real estate owned to assets | 0.9976% | 1,348 |
| Noncurrent loans to loans | 0.9291% | 1,729 |
| Net loans and leases to total assets | 70.9822% | 2,325 |
| Net loans and leases to deposits | 83.9231% | 2,466 |
| Net loans and leases to core deposits | 86.6879% | 2,850 |
| Total domestic deposits to total assets | 84.5801% | 2,591 |
| Equity capital to assets | 14.7467% | 920 |
| Core capital (leverage) ratio | 13.9190% | 1,004 |
| Tier 1 risk-based capital ratio | 17.4408% | 1,964 |
| Total risk-based capital ratio | 18.2618% | 2,033 |
| Memoranda: | ||
| Average total assets | $42,978,000 | 4,923 |
| Average earning assets | $39,360,750 | 4,919 |
| Average equity | $5,736,750 | 4,855 |
| Average total loans | $30,768,000 | 4,686 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4396% | 629 |
| Cost of funding earning assets | 0.4014% | 4,500 |
| Net interest margin | 5.0382% | 271 |
| Noninterest income to average assets | 0.7241% | 1,628 |
| Noninterest expense to average assets | 3.6620% | 785 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.6637% | 781 |
| Return on assets (ROA) | 1.6637% | 817 |
| Pretax return on assets | 1.6637% | 1,352 |
| Return on Equity (ROE) | 12.8868% | 1,280 |
| Retained earnings to average equity (ytd only) | 2.8046% | 3,811 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7608% | 2,408 |
| Assets per employee ($millions) | 2.7291% | 5,052 |
| Cash dividends to net income (ytd only)* | 78.2369% | 867 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9224% | 3,997 |
| Loan loss allowance to noncurrent loans | 96.8966% | 3,387 |
| Noncurrent assets plus other real estate owned to assets | 0.9756% | 1,421 |
| Noncurrent loans to loans | 0.9520% | 1,714 |
| Net loans and leases to total assets | 69.1217% | 2,658 |
| Net loans and leases to deposits | 80.3675% | 2,910 |
| Net loans and leases to core deposits | 85.1156% | 3,022 |
| Total domestic deposits to total assets | 86.0071% | 2,029 |
| Equity capital to assets | 13.3631% | 1,398 |
| Core capital (leverage) ratio | 13.5881% | 1,083 |
| Tier 1 risk-based capital ratio | 15.7546% | 2,521 |
| Total risk-based capital ratio | 16.5174% | 2,662 |
| Memoranda: | ||
| Average total assets | $43,637,670 | 4,956 |
| Average earning assets | $39,855,670 | 4,955 |
| Average equity | $5,633,670 | 4,897 |
| Average total loans | $31,229,670 | 4,711 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4703% | 548 |
| Cost of funding earning assets | 0.4208% | 4,398 |
| Net interest margin | 5.0495% | 265 |
| Noninterest income to average assets | 0.6969% | 1,626 |
| Noninterest expense to average assets | 4.1995% | 404 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.1187% | 2,397 |
| Return on assets (ROA) | 1.1187% | 2,446 |
| Pretax return on assets | 1.1187% | 3,095 |
| Return on Equity (ROE) | 8.8198% | 2,886 |
| Retained earnings to average equity (ytd only) | -11.7115% | 5,150 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.9655% | 1,163 |
| Assets per employee ($millions) | 2.7326% | 5,104 |
| Cash dividends to net income (ytd only)* | 232.7869% | 138 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9151% | 4,102 |
| Loan loss allowance to noncurrent loans | 187.9195% | 2,280 |
| Noncurrent assets plus other real estate owned to assets | 0.6519% | 2,144 |
| Noncurrent loans to loans | 0.4870% | 2,851 |
| Net loans and leases to total assets | 69.3443% | 2,575 |
| Net loans and leases to deposits | 79.9020% | 2,849 |
| Net loans and leases to core deposits | 85.1749% | 2,941 |
| Total domestic deposits to total assets | 86.7867% | 1,917 |
| Equity capital to assets | 12.5866% | 1,687 |
| Core capital (leverage) ratio | 12.2043% | 1,661 |
| Tier 1 risk-based capital ratio | 14.6067% | 3,059 |
| Total risk-based capital ratio | 15.3638% | 3,207 |
| Memoranda: | ||
| Average total assets | $43,624,000 | 5,008 |
| Average earning assets | $39,924,500 | 5,007 |
| Average equity | $5,533,000 | 4,957 |
| Average total loans | $31,613,000 | 4,758 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5139% | 387 |
| Cost of funding earning assets | 0.3284% | 4,421 |
| Net interest margin | 5.1855% | 193 |
| Noninterest income to average assets | 0.6984% | 1,859 |
| Noninterest expense to average assets | 4.0379% | 506 |
| Loan and lease loss provision to assets | 0.1280% | 1,717 |
| Net operating income to assets | 1.2486% | 1,979 |
| Return on assets (ROA) | 1.2486% | 1,976 |
| Pretax return on assets | 1.2486% | 2,702 |
| Return on Equity (ROE) | 10.1921% | 2,446 |
| Retained earnings to average equity (ytd only) | 4.2712% | 3,197 |
| Net charge-offs to loans | 0.1774% | 1,084 |
| Credit loss provision to net charge-offs | 100.0000% | 2,510 |
| Earnings coverage of net charge-offs (x) | 10.7544% | 2,690 |
| Efficiency ratio | 74.5749% | 1,552 |
| Assets per employee ($millions) | 2.7204% | 5,129 |
| Cash dividends to net income (ytd only)* | 58.0935% | 1,584 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8582% | 4,339 |
| Loan loss allowance to noncurrent loans | 430.7692% | 1,232 |
| Noncurrent assets plus other real estate owned to assets | 0.4687% | 2,689 |
| Noncurrent loans to loans | 0.1992% | 3,866 |
| Net loans and leases to total assets | 74.3171% | 1,884 |
| Net loans and leases to deposits | 85.8219% | 2,294 |
| Net loans and leases to core deposits | 97.0624% | 1,964 |
| Total domestic deposits to total assets | 86.5945% | 1,966 |
| Equity capital to assets | 12.7806% | 1,451 |
| Core capital (leverage) ratio | 12.0506% | 1,704 |
| Tier 1 risk-based capital ratio | 14.0888% | 3,250 |
| Total risk-based capital ratio | 14.8197% | 3,417 |
| Memoranda: | ||
| Average total assets | $44,528,200 | 5,038 |
| Average earning assets | $40,497,400 | 5,038 |
| Average equity | $5,455,200 | 4,980 |
| Average total loans | $32,124,200 | 4,764 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4815% | 379 |
| Cost of funding earning assets | 0.3145% | 4,418 |
| Net interest margin | 5.1669% | 190 |
| Noninterest income to average assets | 0.6819% | 1,923 |
| Noninterest expense to average assets | 3.7070% | 751 |
| Loan and lease loss provision to assets | 0.0328% | 3,363 |
| Net operating income to assets | 1.6377% | 872 |
| Return on assets (ROA) | 1.6377% | 877 |
| Pretax return on assets | 1.6377% | 1,454 |
| Return on Equity (ROE) | 13.5093% | 1,262 |
| Retained earnings to average equity (ytd only) | 5.5756% | 2,907 |
| Net charge-offs to loans | 0.0458% | 2,179 |
| Credit loss provision to net charge-offs | 100.0000% | 2,247 |
| Earnings coverage of net charge-offs (x) | 50.9870% | 1,161 |
| Efficiency ratio | 68.9369% | 2,369 |
| Assets per employee ($millions) | 2.7741% | 5,173 |
| Cash dividends to net income (ytd only)* | 58.7274% | 1,247 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8481% | 4,472 |
| Loan loss allowance to noncurrent loans | 149.7326% | 2,760 |
| Noncurrent assets plus other real estate owned to assets | 0.7345% | 2,018 |
| Noncurrent loans to loans | 0.5664% | 2,681 |
| Net loans and leases to total assets | 73.7501% | 2,025 |
| Net loans and leases to deposits | 84.8405% | 2,498 |
| Net loans and leases to core deposits | 96.4978% | 2,069 |
| Total domestic deposits to total assets | 86.9280% | 1,764 |
| Equity capital to assets | 12.4637% | 1,616 |
| Core capital (leverage) ratio | 12.1006% | 1,725 |
| Tier 1 risk-based capital ratio | 14.0233% | 3,362 |
| Total risk-based capital ratio | 14.7488% | 3,542 |
| Memoranda: | ||
| Average total assets | $44,778,500 | 5,094 |
| Average earning assets | $40,693,750 | 5,099 |
| Average equity | $5,428,250 | 5,040 |
| Average total loans | $31,998,250 | 4,825 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3271% | 445 |
| Cost of funding earning assets | 0.2935% | 4,456 |
| Net interest margin | 5.0336% | 236 |
| Noninterest income to average assets | 0.6368% | 2,150 |
| Noninterest expense to average assets | 3.5449% | 934 |
| Loan and lease loss provision to assets | 0.0490% | 2,937 |
| Net operating income to assets | 1.6255% | 865 |
| Return on assets (ROA) | 1.6255% | 867 |
| Pretax return on assets | 1.6255% | 1,416 |
| Return on Equity (ROE) | 13.5344% | 1,196 |
| Retained earnings to average equity (ytd only) | 1.5574% | 4,619 |
| Net charge-offs to loans | 0.0695% | 1,647 |
| Credit loss provision to net charge-offs | 100.0000% | 2,011 |
| Earnings coverage of net charge-offs (x) | 34.1818% | 1,404 |
| Efficiency ratio | 67.9181% | 2,660 |
| Assets per employee ($millions) | 2.7506% | 5,236 |
| Cash dividends to net income (ytd only)* | 88.4932% | 544 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8567% | 4,531 |
| Loan loss allowance to noncurrent loans | 86.6873% | 3,720 |
| Noncurrent assets plus other real estate owned to assets | 1.0498% | 1,420 |
| Noncurrent loans to loans | 0.9882% | 1,770 |
| Net loans and leases to total assets | 73.6310% | 2,005 |
| Net loans and leases to deposits | 84.4584% | 2,486 |
| Net loans and leases to core deposits | 93.3620% | 2,278 |
| Total domestic deposits to total assets | 87.1802% | 1,763 |
| Equity capital to assets | 12.2427% | 1,702 |
| Core capital (leverage) ratio | 12.1303% | 1,630 |
| Tier 1 risk-based capital ratio | 14.2924% | 3,209 |
| Total risk-based capital ratio | 15.0244% | 3,385 |
| Memoranda: | ||
| Average total assets | $44,909,670 | 5,154 |
| Average earning assets | $40,885,000 | 5,157 |
| Average equity | $5,393,670 | 5,092 |
| Average total loans | $31,659,670 | 4,887 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2418% | 452 |
| Cost of funding earning assets | 0.3004% | 4,352 |
| Net interest margin | 4.9414% | 252 |
| Noninterest income to average assets | 0.5997% | 2,260 |
| Noninterest expense to average assets | 3.4127% | 1,144 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.6843% | 704 |
| Return on assets (ROA) | 1.6843% | 714 |
| Pretax return on assets | 1.6843% | 1,156 |
| Return on Equity (ROE) | 14.1573% | 975 |
| Retained earnings to average equity (ytd only) | -9.8582% | 5,370 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9550% | 3,013 |
| Assets per employee ($millions) | 2.8178% | 5,281 |
| Cash dividends to net income (ytd only)* | 169.6335% | 251 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9062% | 4,423 |
| Loan loss allowance to noncurrent loans | 82.5959% | 3,779 |
| Noncurrent assets plus other real estate owned to assets | 1.0602% | 1,472 |
| Noncurrent loans to loans | 1.0972% | 1,665 |
| Net loans and leases to total assets | 67.9132% | 2,778 |
| Net loans and leases to deposits | 78.0454% | 3,012 |
| Net loans and leases to core deposits | 84.1616% | 2,964 |
| Total domestic deposits to total assets | 87.0176% | 2,113 |
| Equity capital to assets | 11.7026% | 1,989 |
| Core capital (leverage) ratio | 11.4908% | 2,021 |
| Tier 1 risk-based capital ratio | 13.9752% | 3,391 |
| Total risk-based capital ratio | 14.7294% | 3,582 |
| Memoranda: | ||
| Average total assets | $45,359,500 | 5,201 |
| Average earning assets | $41,283,500 | 5,205 |
| Average equity | $5,396,500 | 5,150 |
| Average total loans | $31,147,000 | 4,947 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3732% | 320 |
| Cost of funding earning assets | 0.2647% | 4,438 |
| Net interest margin | 5.1086% | 189 |
| Noninterest income to average assets | 0.6850% | 2,032 |
| Noninterest expense to average assets | 3.7288% | 759 |
| Loan and lease loss provision to assets | 0.3083% | 552 |
| Net operating income to assets | 1.2818% | 1,272 |
| Return on assets (ROA) | 1.2818% | 1,292 |
| Pretax return on assets | 1.2818% | 2,425 |
| Return on Equity (ROE) | 10.7111% | 1,584 |
| Retained earnings to average equity (ytd only) | 4.2697% | 2,597 |
| Net charge-offs to loans | 0.1861% | 1,356 |
| Credit loss provision to net charge-offs | 237.2881% | 1,169 |
| Earnings coverage of net charge-offs (x) | 12.2373% | 2,490 |
| Efficiency ratio | 70.1035% | 2,529 |
| Assets per employee ($millions) | 2.8522% | 5,291 |
| Cash dividends to net income (ytd only)* | 60.1375% | 1,741 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8918% | 4,513 |
| Loan loss allowance to noncurrent loans | 77.7778% | 3,946 |
| Noncurrent assets plus other real estate owned to assets | 1.0935% | 1,393 |
| Noncurrent loans to loans | 1.1466% | 1,551 |
| Net loans and leases to total assets | 68.1845% | 2,798 |
| Net loans and leases to deposits | 78.0554% | 3,105 |
| Net loans and leases to core deposits | 84.6279% | 3,013 |
| Total domestic deposits to total assets | 87.3540% | 1,835 |
| Equity capital to assets | 12.0894% | 1,769 |
| Core capital (leverage) ratio | 11.7908% | 1,733 |
| Tier 1 risk-based capital ratio | 14.6364% | 3,019 |
| Total risk-based capital ratio | 15.3820% | 3,191 |
| Memoranda: | ||
| Average total assets | $45,403,800 | 5,244 |
| Average earning assets | $41,185,600 | 5,245 |
| Average equity | $5,433,600 | 5,194 |
| Average total loans | $31,703,600 | 4,979 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3436% | 322 |
| Cost of funding earning assets | 0.2597% | 4,484 |
| Net interest margin | 5.0839% | 194 |
| Noninterest income to average assets | 0.6527% | 2,196 |
| Noninterest expense to average assets | 3.6401% | 824 |
| Loan and lease loss provision to assets | 0.2440% | 715 |
| Net operating income to assets | 1.3731% | 1,149 |
| Return on assets (ROA) | 1.3731% | 1,165 |
| Pretax return on assets | 1.3731% | 2,204 |
| Return on Equity (ROE) | 11.5034% | 1,487 |
| Retained earnings to average equity (ytd only) | 2.8821% | 4,184 |
| Net charge-offs to loans | 0.1762% | 1,196 |
| Credit loss provision to net charge-offs | 197.6190% | 1,358 |
| Earnings coverage of net charge-offs (x) | 13.0950% | 2,377 |
| Efficiency ratio | 69.2394% | 2,667 |
| Assets per employee ($millions) | 2.8535% | 5,357 |
| Cash dividends to net income (ytd only)* | 74.9474% | 794 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7587% | 5,002 |
| Loan loss allowance to noncurrent loans | 60.1504% | 4,342 |
| Noncurrent assets plus other real estate owned to assets | 1.1784% | 1,399 |
| Noncurrent loans to loans | 1.2614% | 1,516 |
| Net loans and leases to total assets | 68.7577% | 2,731 |
| Net loans and leases to deposits | 78.5566% | 3,112 |
| Net loans and leases to core deposits | 86.4222% | 2,927 |
| Total domestic deposits to total assets | 87.5263% | 1,616 |
| Equity capital to assets | 12.0006% | 1,963 |
| Core capital (leverage) ratio | 11.8359% | 1,794 |
| Tier 1 risk-based capital ratio | 14.3237% | 3,285 |
| Total risk-based capital ratio | 14.9625% | 3,505 |
| Memoranda: | ||
| Average total assets | $45,346,000 | 5,298 |
| Average earning assets | $41,069,500 | 5,306 |
| Average equity | $5,412,750 | 5,258 |
| Average total loans | $31,780,500 | 5,024 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2710% | 349 |
| Cost of funding earning assets | 0.2672% | 4,399 |
| Net interest margin | 5.0038% | 215 |
| Noninterest income to average assets | 0.6410% | 2,250 |
| Noninterest expense to average assets | 3.5807% | 889 |
| Loan and lease loss provision to assets | 0.3669% | 383 |
| Net operating income to assets | 1.2466% | 1,452 |
| Return on assets (ROA) | 1.2466% | 1,477 |
| Pretax return on assets | 1.2466% | 2,601 |
| Return on Equity (ROE) | 10.4625% | 1,854 |
| Retained earnings to average equity (ytd only) | -2.5229% | 5,385 |
| Net charge-offs to loans | 0.2639% | 776 |
| Credit loss provision to net charge-offs | 197.6190% | 1,285 |
| Earnings coverage of net charge-offs (x) | 8.6905% | 2,492 |
| Efficiency ratio | 68.9362% | 2,860 |
| Assets per employee ($millions) | 2.7249% | 5,464 |
| Cash dividends to net income (ytd only)* | 124.1135% | 260 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7505% | 5,083 |
| Loan loss allowance to noncurrent loans | 244.8980% | 1,867 |
| Noncurrent assets plus other real estate owned to assets | 0.5138% | 3,054 |
| Noncurrent loans to loans | 0.3065% | 3,942 |
| Net loans and leases to total assets | 68.5146% | 2,737 |
| Net loans and leases to deposits | 77.7911% | 3,138 |
| Net loans and leases to core deposits | 84.9700% | 2,975 |
| Total domestic deposits to total assets | 88.0750% | 1,419 |
| Equity capital to assets | 11.4587% | 2,354 |
| Core capital (leverage) ratio | 11.3131% | 2,116 |
| Tier 1 risk-based capital ratio | 14.2661% | 3,283 |
| Total risk-based capital ratio | 14.9249% | 3,524 |
| Memoranda: | ||
| Average total assets | $45,242,670 | 5,337 |
| Average earning assets | $41,169,000 | 5,341 |
| Average equity | $5,390,670 | 5,295 |
| Average total loans | $31,830,000 | 5,050 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2645% | 339 |
| Cost of funding earning assets | 0.2263% | 4,742 |
| Net interest margin | 5.0382% | 213 |
| Noninterest income to average assets | 0.7248% | 1,854 |
| Noninterest expense to average assets | 3.6419% | 840 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.6643% | 592 |
| Return on assets (ROA) | 1.6643% | 605 |
| Pretax return on assets | 1.6643% | 1,079 |
| Return on Equity (ROE) | 13.6966% | 863 |
| Retained earnings to average equity (ytd only) | 13.6966% | 318 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6341% | 3,107 |
| Assets per employee ($millions) | 2.9564% | 5,389 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6267% | 5,434 |
| Loan loss allowance to noncurrent loans | 46.4953% | 4,724 |
| Noncurrent assets plus other real estate owned to assets | 0.9133% | 2,032 |
| Noncurrent loans to loans | 1.3478% | 1,500 |
| Net loans and leases to total assets | 66.7118% | 2,859 |
| Net loans and leases to deposits | 75.9324% | 3,207 |
| Net loans and leases to core deposits | 82.0340% | 3,092 |
| Total domestic deposits to total assets | 87.8568% | 1,795 |
| Equity capital to assets | 11.6866% | 2,049 |
| Core capital (leverage) ratio | 12.3909% | 1,397 |
| Tier 1 risk-based capital ratio | 14.6336% | 3,145 |
| Total risk-based capital ratio | 15.1680% | 3,441 |
| Memoranda: | ||
| Average total assets | $44,702,500 | 5,412 |
| Average earning assets | $40,649,500 | 5,414 |
| Average equity | $5,432,000 | 5,335 |
| Average total loans | $31,756,000 | 5,100 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6371% | 207 |
| Cost of funding earning assets | 0.1902% | 5,106 |
| Net interest margin | 5.4469% | 119 |
| Noninterest income to average assets | 0.8429% | 1,609 |
| Noninterest expense to average assets | 4.0350% | 571 |
| Loan and lease loss provision to assets | 0.0848% | 2,660 |
| Net operating income to assets | 1.6360% | 630 |
| Return on assets (ROA) | 1.6360% | 655 |
| Pretax return on assets | 1.6509% | 1,127 |
| Return on Equity (ROE) | 12.7161% | 1,066 |
| Retained earnings to average equity (ytd only) | 9.0331% | 583 |
| Net charge-offs to loans | 0.0688% | 2,715 |
| Credit loss provision to net charge-offs | 170.0000% | 1,627 |
| Earnings coverage of net charge-offs (x) | 34.8000% | 1,306 |
| Efficiency ratio | 69.9222% | 2,914 |
| Assets per employee ($millions) | 2.6314% | 5,596 |
| Cash dividends to net income (ytd only)* | 28.9634% | 3,361 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6266% | 5,487 |
| Loan loss allowance to noncurrent loans | 42.2505% | 4,846 |
| Noncurrent assets plus other real estate owned to assets | 1.1282% | 1,645 |
| Noncurrent loans to loans | 1.4831% | 1,363 |
| Net loans and leases to total assets | 74.9543% | 1,702 |
| Net loans and leases to deposits | 86.3373% | 2,127 |
| Net loans and leases to core deposits | 92.9242% | 2,217 |
| Total domestic deposits to total assets | 86.8157% | 2,237 |
| Equity capital to assets | 12.6737% | 1,412 |
| Core capital (leverage) ratio | 13.1483% | 1,083 |
| Tier 1 risk-based capital ratio | 14.5643% | 3,169 |
| Total risk-based capital ratio | 15.1139% | 3,454 |
| Memoranda: | ||
| Average total assets | $40,099,000 | 5,543 |
| Average earning assets | $36,277,600 | 5,537 |
| Average equity | $5,158,800 | 5,443 |
| Average total loans | $29,076,400 | 5,224 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6671% | 201 |
| Cost of funding earning assets | 0.1754% | 5,302 |
| Net interest margin | 5.4917% | 115 |
| Noninterest income to average assets | 0.8317% | 1,644 |
| Noninterest expense to average assets | 3.9327% | 643 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.8351% | 452 |
| Return on assets (ROA) | 1.8351% | 475 |
| Pretax return on assets | 1.8553% | 790 |
| Return on Equity (ROE) | 14.2076% | 783 |
| Retained earnings to average equity (ytd only) | 9.2545% | 745 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9465% | 3,232 |
| Assets per employee ($millions) | 2.4624% | 5,743 |
| Cash dividends to net income (ytd only)* | 34.8627% | 2,602 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6359% | 5,555 |
| Loan loss allowance to noncurrent loans | 24.8991% | 5,265 |
| Noncurrent assets plus other real estate owned to assets | 1.8960% | 847 |
| Noncurrent loans to loans | 2.5538% | 674 |
| Net loans and leases to total assets | 73.3750% | 1,973 |
| Net loans and leases to deposits | 85.3755% | 2,327 |
| Net loans and leases to core deposits | 86.0131% | 2,948 |
| Total domestic deposits to total assets | 85.9438% | 2,390 |
| Equity capital to assets | 13.5968% | 1,197 |
| Core capital (leverage) ratio | 13.0508% | 1,170 |
| Tier 1 risk-based capital ratio | 15.3887% | 2,874 |
| Total risk-based capital ratio | 15.9396% | 3,136 |
| Memoranda: | ||
| Average total assets | $39,598,000 | 5,605 |
| Average earning assets | $35,737,750 | 5,608 |
| Average equity | $5,114,500 | 5,505 |
| Average total loans | $28,406,250 | 5,295 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6221% | 208 |
| Cost of funding earning assets | 0.1785% | 5,337 |
| Net interest margin | 5.4436% | 126 |
| Noninterest income to average assets | 0.8169% | 1,653 |
| Noninterest expense to average assets | 3.7918% | 777 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.9463% | 362 |
| Return on assets (ROA) | 1.9463% | 382 |
| Pretax return on assets | 1.9463% | 639 |
| Return on Equity (ROE) | 15.3367% | 636 |
| Retained earnings to average equity (ytd only) | 7.7876% | 1,250 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0808% | 3,676 |
| Assets per employee ($millions) | 2.4989% | 5,785 |
| Cash dividends to net income (ytd only)* | 49.2228% | 2,009 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6428% | 5,626 |
| Loan loss allowance to noncurrent loans | 26.0563% | 5,336 |
| Noncurrent assets plus other real estate owned to assets | 1.8984% | 881 |
| Noncurrent loans to loans | 2.4669% | 720 |
| Net loans and leases to total assets | 71.5222% | 2,245 |
| Net loans and leases to deposits | 82.6617% | 2,629 |
| Net loans and leases to core deposits | 82.6617% | 3,212 |
| Total domestic deposits to total assets | 86.5239% | 2,157 |
| Equity capital to assets | 13.0259% | 1,485 |
| Core capital (leverage) ratio | 12.4250% | 1,394 |
| Tier 1 risk-based capital ratio | 14.9155% | 3,111 |
| Total risk-based capital ratio | 15.4680% | 3,408 |
| Memoranda: | ||
| Average total assets | $39,664,330 | 5,667 |
| Average earning assets | $35,858,670 | 5,667 |
| Average equity | $5,033,670 | 5,579 |
| Average total loans | $28,177,000 | 5,362 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5784% | 227 |
| Cost of funding earning assets | 0.1900% | 5,284 |
| Net interest margin | 5.3883% | 134 |
| Noninterest income to average assets | 0.8201% | 1,556 |
| Noninterest expense to average assets | 3.9387% | 656 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.7618% | 500 |
| Return on assets (ROA) | 1.7618% | 536 |
| Pretax return on assets | 1.7618% | 918 |
| Return on Equity (ROE) | 14.0706% | 823 |
| Retained earnings to average equity (ytd only) | -1.2938% | 5,312 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0941% | 3,285 |
| Assets per employee ($millions) | 2.2621% | 5,937 |
| Cash dividends to net income (ytd only)* | 109.1954% | 616 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6630% | 5,662 |
| Loan loss allowance to noncurrent loans | 21.1913% | 5,435 |
| Noncurrent assets plus other real estate owned to assets | 2.2644% | 709 |
| Noncurrent loans to loans | 3.1286% | 502 |
| Net loans and leases to total assets | 68.0755% | 2,639 |
| Net loans and leases to deposits | 77.8864% | 3,016 |
| Net loans and leases to core deposits | 77.8864% | 3,499 |
| Total domestic deposits to total assets | 87.4036% | 1,990 |
| Equity capital to assets | 12.1519% | 1,916 |
| Core capital (leverage) ratio | 11.9126% | 1,670 |
| Tier 1 risk-based capital ratio | 13.7054% | 3,863 |
| Total risk-based capital ratio | 14.2358% | 4,193 |
| Memoranda: | ||
| Average total assets | $39,505,500 | 5,726 |
| Average earning assets | $35,781,000 | 5,722 |
| Average equity | $4,946,500 | 5,635 |
| Average total loans | $27,875,000 | 5,418 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5191% | 256 |
| Cost of funding earning assets | 0.1816% | 5,437 |
| Net interest margin | 5.3375% | 162 |
| Noninterest income to average assets | 0.7949% | 1,806 |
| Noninterest expense to average assets | 4.2938% | 492 |
| Loan and lease loss provision to assets | 0.2419% | 789 |
| Net operating income to assets | 1.0103% | 2,309 |
| Return on assets (ROA) | 1.0103% | 2,398 |
| Pretax return on assets | 1.0263% | 3,359 |
| Return on Equity (ROE) | 7.8473% | 3,041 |
| Retained earnings to average equity (ytd only) | 4.5432% | 2,751 |
| Net charge-offs to loans | 0.3590% | 822 |
| Credit loss provision to net charge-offs | 104.5977% | 2,400 |
| Earnings coverage of net charge-offs (x) | 5.4828% | 3,385 |
| Efficiency ratio | 77.1989% | 2,088 |
| Assets per employee ($millions) | 2.2525% | 5,984 |
| Cash dividends to net income (ytd only)* | 42.1053% | 2,747 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6644% | 5,699 |
| Loan loss allowance to noncurrent loans | 51.6760% | 4,838 |
| Noncurrent assets plus other real estate owned to assets | 1.0629% | 2,061 |
| Noncurrent loans to loans | 1.2856% | 1,831 |
| Net loans and leases to total assets | 72.2351% | 2,009 |
| Net loans and leases to deposits | 83.5427% | 2,412 |
| Net loans and leases to core deposits | 84.2270% | 2,948 |
| Total domestic deposits to total assets | 86.4649% | 2,396 |
| Equity capital to assets | 12.9136% | 1,390 |
| Core capital (leverage) ratio | 12.3644% | 1,417 |
| Tier 1 risk-based capital ratio | 15.4942% | 2,934 |
| Total risk-based capital ratio | 16.0917% | 3,190 |
| Memoranda: | ||
| Average total assets | $37,612,600 | 5,811 |
| Average earning assets | $33,592,400 | 5,826 |
| Average equity | $4,842,400 | 5,685 |
| Average total loans | $24,230,800 | 5,580 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5307% | 249 |
| Cost of funding earning assets | 0.1838% | 5,515 |
| Net interest margin | 5.3469% | 157 |
| Noninterest income to average assets | 0.8012% | 1,800 |
| Noninterest expense to average assets | 4.0096% | 654 |
| Loan and lease loss provision to assets | 0.1781% | 1,181 |
| Net operating income to assets | 1.3567% | 1,210 |
| Return on assets (ROA) | 1.3567% | 1,258 |
| Pretax return on assets | 1.3781% | 2,108 |
| Return on Equity (ROE) | 10.5463% | 1,886 |
| Retained earnings to average equity (ytd only) | 6.1174% | 2,175 |
| Net charge-offs to loans | 0.2629% | 1,005 |
| Credit loss provision to net charge-offs | 108.6957% | 2,129 |
| Earnings coverage of net charge-offs (x) | 9.5002% | 2,688 |
| Efficiency ratio | 72.0409% | 2,873 |
| Assets per employee ($millions) | 2.5707% | 5,922 |
| Cash dividends to net income (ytd only)* | 41.9949% | 2,226 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7137% | 5,701 |
| Loan loss allowance to noncurrent loans | 39.3617% | 5,230 |
| Noncurrent assets plus other real estate owned to assets | 1.3459% | 1,737 |
| Noncurrent loans to loans | 1.8131% | 1,305 |
| Net loans and leases to total assets | 66.7436% | 2,890 |
| Net loans and leases to deposits | 78.3232% | 3,066 |
| Net loans and leases to core deposits | 78.3232% | 3,576 |
| Total domestic deposits to total assets | 85.2156% | 2,922 |
| Equity capital to assets | 12.9120% | 1,495 |
| Core capital (leverage) ratio | 12.6794% | 1,330 |
| Tier 1 risk-based capital ratio | 16.2726% | 2,683 |
| Total risk-based capital ratio | 16.9002% | 2,905 |
| Memoranda: | ||
| Average total assets | $37,442,500 | 5,889 |
| Average earning assets | $33,364,250 | 5,905 |
| Average equity | $4,816,750 | 5,773 |
| Average total loans | $23,327,000 | 5,678 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5520% | 243 |
| Cost of funding earning assets | 0.1881% | 5,544 |
| Net interest margin | 5.3639% | 151 |
| Noninterest income to average assets | 0.7877% | 1,835 |
| Noninterest expense to average assets | 4.4295% | 450 |
| Loan and lease loss provision to assets | 0.0054% | 3,993 |
| Net operating income to assets | 1.1222% | 1,867 |
| Return on assets (ROA) | 1.1222% | 1,955 |
| Pretax return on assets | 1.1222% | 3,084 |
| Return on Equity (ROE) | 8.7346% | 2,683 |
| Retained earnings to average equity (ytd only) | -17.6792% | 6,252 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.7087% | 1,799 |
| Assets per employee ($millions) | 2.4541% | 6,055 |
| Cash dividends to net income (ytd only)* | 302.4038% | 51 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7740% | 5,658 |
| Loan loss allowance to noncurrent loans | 21.8072% | 5,652 |
| Noncurrent assets plus other real estate owned to assets | 2.3878% | 823 |
| Noncurrent loans to loans | 3.5493% | 490 |
| Net loans and leases to total assets | 63.0338% | 3,409 |
| Net loans and leases to deposits | 72.8311% | 3,638 |
| Net loans and leases to core deposits | 73.4071% | 4,006 |
| Total domestic deposits to total assets | 86.5479% | 2,400 |
| Equity capital to assets | 13.0474% | 1,378 |
| Core capital (leverage) ratio | 12.2199% | 1,529 |
| Tier 1 risk-based capital ratio | 17.1531% | 2,349 |
| Total risk-based capital ratio | 17.8244% | 2,531 |
| Memoranda: | ||
| Average total assets | $37,069,670 | 5,969 |
| Average earning assets | $32,961,000 | 5,977 |
| Average equity | $4,762,670 | 5,839 |
| Average total loans | $22,462,000 | 5,763 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4846% | 268 |
| Cost of funding earning assets | 0.1816% | 5,671 |
| Net interest margin | 5.3030% | 156 |
| Noninterest income to average assets | 0.7205% | 2,066 |
| Noninterest expense to average assets | 4.2905% | 506 |
| Loan and lease loss provision to assets | 0.0108% | 3,585 |
| Net operating income to assets | 1.1291% | 1,757 |
| Return on assets (ROA) | 1.1291% | 1,863 |
| Pretax return on assets | 1.1291% | 2,954 |
| Return on Equity (ROE) | 8.8561% | 2,519 |
| Retained earnings to average equity (ytd only) | -4.6389% | 5,911 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.0099% | 2,037 |
| Assets per employee ($millions) | 2.5367% | 6,087 |
| Cash dividends to net income (ytd only)* | 152.3810% | 356 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7915% | 5,717 |
| Loan loss allowance to noncurrent loans | 28.8676% | 5,572 |
| Noncurrent assets plus other real estate owned to assets | 1.7766% | 1,379 |
| Noncurrent loans to loans | 2.7417% | 855 |
| Net loans and leases to total assets | 59.6268% | 3,708 |
| Net loans and leases to deposits | 68.4198% | 3,916 |
| Net loans and leases to core deposits | 69.0465% | 4,238 |
| Total domestic deposits to total assets | 87.1485% | 2,288 |
| Equity capital to assets | 12.4573% | 1,720 |
| Core capital (leverage) ratio | 11.9782% | 1,652 |
| Tier 1 risk-based capital ratio | 16.7992% | 2,560 |
| Total risk-based capital ratio | 17.4716% | 2,760 |
| Memoranda: | ||
| Average total assets | $37,198,500 | 6,025 |
| Average earning assets | $33,038,000 | 6,039 |
| Average equity | $4,742,500 | 5,899 |
| Average total loans | $22,000,500 | 5,823 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4193% | 364 |
| Cost of funding earning assets | 0.2115% | 5,654 |
| Net interest margin | 5.2078% | 208 |
| Noninterest income to average assets | 0.6956% | 2,322 |
| Noninterest expense to average assets | 4.2864% | 552 |
| Loan and lease loss provision to assets | 0.1436% | 1,847 |
| Net operating income to assets | 0.8956% | 2,895 |
| Return on assets (ROA) | 0.8956% | 2,984 |
| Pretax return on assets | 0.9125% | 3,863 |
| Return on Equity (ROE) | 6.8508% | 3,723 |
| Retained earnings to average equity (ytd only) | 2.6714% | 4,342 |
| Net charge-offs to loans | 0.4582% | 914 |
| Credit loss provision to net charge-offs | 53.1250% | 3,420 |
| Earnings coverage of net charge-offs (x) | 3.9063% | 3,786 |
| Efficiency ratio | 80.2319% | 1,895 |
| Assets per employee ($millions) | 2.4231% | 6,202 |
| Cash dividends to net income (ytd only)* | 61.0063% | 1,689 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8565% | 5,620 |
| Loan loss allowance to noncurrent loans | 37.3196% | 5,442 |
| Noncurrent assets plus other real estate owned to assets | 1.4692% | 1,871 |
| Noncurrent loans to loans | 2.2951% | 1,136 |
| Net loans and leases to total assets | 57.6416% | 4,098 |
| Net loans and leases to deposits | 66.6105% | 4,256 |
| Net loans and leases to core deposits | 67.2520% | 4,576 |
| Total domestic deposits to total assets | 86.5353% | 2,551 |
| Equity capital to assets | 13.0547% | 1,346 |
| Core capital (leverage) ratio | 12.1603% | 1,525 |
| Tier 1 risk-based capital ratio | 16.4872% | 2,717 |
| Total risk-based capital ratio | 17.1392% | 2,964 |
| Memoranda: | ||
| Average total assets | $35,507,600 | 6,146 |
| Average earning assets | $31,683,200 | 6,151 |
| Average equity | $4,641,800 | 5,946 |
| Average total loans | $20,953,200 | 5,922 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3468% | 415 |
| Cost of funding earning assets | 0.2247% | 5,631 |
| Net interest margin | 5.1221% | 236 |
| Noninterest income to average assets | 0.6270% | 2,705 |
| Noninterest expense to average assets | 4.1890% | 616 |
| Loan and lease loss provision to assets | 0.1322% | 1,898 |
| Net operating income to assets | 0.8461% | 3,199 |
| Return on assets (ROA) | 0.8461% | 3,291 |
| Pretax return on assets | 0.8688% | 4,111 |
| Return on Equity (ROE) | 6.4701% | 3,986 |
| Retained earnings to average equity (ytd only) | 0.8377% | 5,548 |
| Net charge-offs to loans | 0.5101% | 755 |
| Credit loss provision to net charge-offs | 43.7500% | 3,223 |
| Earnings coverage of net charge-offs (x) | 3.3126% | 3,689 |
| Efficiency ratio | 80.7132% | 1,810 |
| Assets per employee ($millions) | 2.4715% | 6,241 |
| Cash dividends to net income (ytd only)* | 87.0522% | 584 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8627% | 5,708 |
| Loan loss allowance to noncurrent loans | 38.2664% | 5,504 |
| Noncurrent assets plus other real estate owned to assets | 1.4890% | 2,062 |
| Noncurrent loans to loans | 2.2545% | 1,339 |
| Net loans and leases to total assets | 56.1028% | 4,316 |
| Net loans and leases to deposits | 64.4012% | 4,491 |
| Net loans and leases to core deposits | 65.0050% | 4,804 |
| Total domestic deposits to total assets | 87.1146% | 2,252 |
| Equity capital to assets | 12.5563% | 1,661 |
| Core capital (leverage) ratio | 12.1442% | 1,607 |
| Tier 1 risk-based capital ratio | 16.0104% | 3,053 |
| Total risk-based capital ratio | 16.6536% | 3,305 |
| Memoranda: | ||
| Average total assets | $35,297,750 | 6,225 |
| Average earning assets | $31,444,500 | 6,230 |
| Average equity | $4,616,000 | 6,013 |
| Average total loans | $20,908,500 | 5,984 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4779% | 317 |
| Cost of funding earning assets | 0.2269% | 5,688 |
| Net interest margin | 5.2510% | 180 |
| Noninterest income to average assets | 0.6166% | 2,727 |
| Noninterest expense to average assets | 4.2759% | 560 |
| Loan and lease loss provision to assets | 0.2017% | 1,188 |
| Net operating income to assets | 0.8068% | 3,287 |
| Return on assets (ROA) | 0.8068% | 3,393 |
| Pretax return on assets | 0.8068% | 4,237 |
| Return on Equity (ROE) | 6.0830% | 4,110 |
| Retained earnings to average equity (ytd only) | -2.3897% | 6,038 |
| Net charge-offs to loans | 0.7661% | 499 |
| Credit loss provision to net charge-offs | 43.7500% | 2,879 |
| Earnings coverage of net charge-offs (x) | 2.1875% | 3,612 |
| Efficiency ratio | 80.9160% | 1,892 |
| Assets per employee ($millions) | 2.3871% | 6,366 |
| Cash dividends to net income (ytd only)* | 139.2857% | 256 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8440% | 5,882 |
| Loan loss allowance to noncurrent loans | 55.6923% | 4,960 |
| Noncurrent assets plus other real estate owned to assets | 1.1283% | 2,823 |
| Noncurrent loans to loans | 1.5154% | 2,298 |
| Net loans and leases to total assets | 59.3895% | 3,804 |
| Net loans and leases to deposits | 68.4070% | 4,010 |
| Net loans and leases to core deposits | 69.5253% | 4,319 |
| Total domestic deposits to total assets | 86.8179% | 2,569 |
| Equity capital to assets | 12.8358% | 1,464 |
| Core capital (leverage) ratio | 12.5387% | 1,374 |
| Tier 1 risk-based capital ratio | 16.3477% | 2,907 |
| Total risk-based capital ratio | 17.0177% | 3,151 |
| Memoranda: | ||
| Average total assets | $34,706,000 | 6,296 |
| Average earning assets | $30,851,330 | 6,299 |
| Average equity | $4,603,000 | 6,056 |
| Average total loans | $20,884,670 | 6,035 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4381% | 323 |
| Cost of funding earning assets | 0.2370% | 5,698 |
| Net interest margin | 5.2011% | 184 |
| Noninterest income to average assets | 0.5973% | 2,751 |
| Noninterest expense to average assets | 4.3682% | 522 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.8549% | 2,875 |
| Return on assets (ROA) | 0.8549% | 2,943 |
| Pretax return on assets | 0.8549% | 3,883 |
| Return on Equity (ROE) | 6.3389% | 3,835 |
| Retained earnings to average equity (ytd only) | 6.3389% | 2,358 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.6323% | 1,712 |
| Assets per employee ($millions) | 3.1396% | 5,618 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1323% | 4,968 |
| Loan loss allowance to noncurrent loans | 26.1574% | 5,944 |
| Noncurrent assets plus other real estate owned to assets | 2.7305% | 1,111 |
| Noncurrent loans to loans | 4.3287% | 588 |
| Net loans and leases to total assets | 57.1404% | 3,976 |
| Net loans and leases to deposits | 66.3105% | 4,057 |
| Net loans and leases to core deposits | 66.3105% | 4,465 |
| Total domestic deposits to total assets | 86.1710% | 3,269 |
| Equity capital to assets | 13.4729% | 1,106 |
| Core capital (leverage) ratio | 13.4603% | 982 |
| Tier 1 risk-based capital ratio | 16.7188% | 2,805 |
| Total risk-based capital ratio | 17.5505% | 2,973 |
| Memoranda: | ||
| Average total assets | $34,156,000 | 6,371 |
| Average earning assets | $30,378,000 | 6,375 |
| Average equity | $4,606,500 | 6,096 |
| Average total loans | $20,604,000 | 6,110 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6512% | 283 |
| Cost of funding earning assets | 0.3399% | 5,243 |
| Net interest margin | 5.3113% | 181 |
| Noninterest income to average assets | 0.6931% | 2,578 |
| Noninterest expense to average assets | 3.8783% | 1,021 |
| Loan and lease loss provision to assets | 0.3164% | 1,050 |
| Net operating income to assets | 1.2295% | 1,452 |
| Return on assets (ROA) | 1.2295% | 1,517 |
| Pretax return on assets | 1.2536% | 2,346 |
| Return on Equity (ROE) | 8.9192% | 2,581 |
| Retained earnings to average equity (ytd only) | 2.9075% | 4,176 |
| Net charge-offs to loans | 0.5124% | 1,289 |
| Credit loss provision to net charge-offs | 100.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 4.9619% | 3,414 |
| Efficiency ratio | 71.1836% | 3,631 |
| Assets per employee ($millions) | 3.0705% | 5,726 |
| Cash dividends to net income (ytd only)* | 67.4020% | 1,427 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0636% | 5,300 |
| Loan loss allowance to noncurrent loans | 29.6199% | 5,959 |
| Noncurrent assets plus other real estate owned to assets | 2.4929% | 1,381 |
| Noncurrent loans to loans | 3.5909% | 859 |
| Net loans and leases to total assets | 62.2395% | 3,325 |
| Net loans and leases to deposits | 74.0029% | 3,252 |
| Net loans and leases to core deposits | 74.0029% | 3,839 |
| Total domestic deposits to total assets | 84.1041% | 4,123 |
| Equity capital to assets | 13.5007% | 1,065 |
| Core capital (leverage) ratio | 13.1942% | 1,056 |
| Tier 1 risk-based capital ratio | 17.2746% | 2,502 |
| Total risk-based capital ratio | 18.1477% | 2,619 |
| Memoranda: | ||
| Average total assets | $33,184,400 | 6,453 |
| Average earning assets | $29,710,400 | 6,452 |
| Average equity | $4,574,400 | 6,180 |
| Average total loans | $20,490,400 | 6,175 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8048% | 234 |
| Cost of funding earning assets | 0.3502% | 5,292 |
| Net interest margin | 5.4546% | 146 |
| Noninterest income to average assets | 0.6175% | 3,049 |
| Noninterest expense to average assets | 3.7170% | 1,221 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.7717% | 556 |
| Return on assets (ROA) | 1.7717% | 585 |
| Pretax return on assets | 1.8040% | 901 |
| Return on Equity (ROE) | 12.7855% | 1,290 |
| Retained earnings to average equity (ytd only) | 4.7763% | 3,253 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3246% | 4,228 |
| Assets per employee ($millions) | 3.0675% | 5,739 |
| Cash dividends to net income (ytd only)* | 62.6427% | 1,353 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1018% | 5,325 |
| Loan loss allowance to noncurrent loans | 18.6623% | 6,278 |
| Noncurrent assets plus other real estate owned to assets | 3.8231% | 851 |
| Noncurrent loans to loans | 5.9039% | 441 |
| Net loans and leases to total assets | 60.1209% | 3,678 |
| Net loans and leases to deposits | 69.7809% | 3,817 |
| Net loans and leases to core deposits | 70.5085% | 4,266 |
| Total domestic deposits to total assets | 86.1567% | 3,158 |
| Equity capital to assets | 13.5499% | 1,100 |
| Core capital (leverage) ratio | 13.6111% | 978 |
| Tier 1 risk-based capital ratio | 16.8666% | 2,766 |
| Total risk-based capital ratio | 17.7139% | 2,920 |
| Memoranda: | ||
| Average total assets | $33,036,500 | 6,530 |
| Average earning assets | $29,698,750 | 6,524 |
| Average equity | $4,578,000 | 6,261 |
| Average total loans | $20,301,000 | 6,250 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8145% | 234 |
| Cost of funding earning assets | 0.3723% | 5,211 |
| Net interest margin | 5.4422% | 146 |
| Noninterest income to average assets | 0.5488% | 3,509 |
| Noninterest expense to average assets | 3.5730% | 1,459 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.8597% | 459 |
| Return on assets (ROA) | 1.8597% | 492 |
| Pretax return on assets | 1.8780% | 777 |
| Return on Equity (ROE) | 13.3188% | 1,168 |
| Retained earnings to average equity (ytd only) | 1.3100% | 5,369 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5481% | 4,625 |
| Assets per employee ($millions) | 3.0100% | 5,838 |
| Cash dividends to net income (ytd only)* | 90.1639% | 676 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0608% | 5,574 |
| Loan loss allowance to noncurrent loans | 23.6897% | 6,215 |
| Noncurrent assets plus other real estate owned to assets | 3.1199% | 1,282 |
| Noncurrent loans to loans | 4.4778% | 779 |
| Net loans and leases to total assets | 63.6635% | 2,977 |
| Net loans and leases to deposits | 74.0107% | 3,153 |
| Net loans and leases to core deposits | 74.7986% | 3,690 |
| Total domestic deposits to total assets | 86.0193% | 3,354 |
| Equity capital to assets | 13.6786% | 1,062 |
| Core capital (leverage) ratio | 13.5151% | 971 |
| Tier 1 risk-based capital ratio | 18.4937% | 2,145 |
| Total risk-based capital ratio | 19.4336% | 2,215 |
| Memoranda: | ||
| Average total assets | $32,801,330 | 6,583 |
| Average earning assets | $29,547,000 | 6,575 |
| Average equity | $4,580,000 | 6,309 |
| Average total loans | $20,230,670 | 6,292 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7198% | 264 |
| Cost of funding earning assets | 0.3940% | 5,164 |
| Net interest margin | 5.3258% | 164 |
| Noninterest income to average assets | 0.4778% | 3,936 |
| Noninterest expense to average assets | 3.6879% | 1,265 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.5928% | 716 |
| Return on assets (ROA) | 1.5928% | 777 |
| Pretax return on assets | 1.5928% | 1,320 |
| Return on Equity (ROE) | 11.2908% | 1,622 |
| Retained earnings to average equity (ytd only) | -8.2510% | 6,535 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8376% | 4,003 |
| Assets per employee ($millions) | 3.0295% | 5,934 |
| Cash dividends to net income (ytd only)* | 173.0769% | 289 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1284% | 5,493 |
| Loan loss allowance to noncurrent loans | 33.0409% | 5,911 |
| Noncurrent assets plus other real estate owned to assets | 2.2896% | 2,032 |
| Noncurrent loans to loans | 3.4150% | 1,408 |
| Net loans and leases to total assets | 59.4256% | 3,531 |
| Net loans and leases to deposits | 69.0433% | 3,634 |
| Net loans and leases to core deposits | 69.7731% | 4,112 |
| Total domestic deposits to total assets | 86.0701% | 3,494 |
| Equity capital to assets | 13.6298% | 1,169 |
| Core capital (leverage) ratio | 13.2325% | 1,033 |
| Tier 1 risk-based capital ratio | 16.4616% | 3,026 |
| Total risk-based capital ratio | 17.3224% | 3,184 |
| Memoranda: | ||
| Average total assets | $32,647,000 | 6,651 |
| Average earning assets | $29,441,500 | 6,634 |
| Average equity | $4,605,500 | 6,366 |
| Average total loans | $19,693,500 | 6,375 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7020% | 430 |
| Cost of funding earning assets | 0.5755% | 4,584 |
| Net interest margin | 5.1265% | 311 |
| Noninterest income to average assets | 0.7298% | 2,587 |
| Noninterest expense to average assets | 3.9458% | 1,046 |
| Loan and lease loss provision to assets | 0.2551% | 2,616 |
| Net operating income to assets | 1.1319% | 1,837 |
| Return on assets (ROA) | 1.2075% | 1,742 |
| Pretax return on assets | 1.2312% | 2,677 |
| Return on Equity (ROE) | 8.8248% | 2,720 |
| Retained earnings to average equity (ytd only) | 4.8135% | 2,837 |
| Net charge-offs to loans | 0.1790% | 3,942 |
| Credit loss provision to net charge-offs | 245.7143% | 1,003 |
| Earnings coverage of net charge-offs (x) | 13.5714% | 1,813 |
| Efficiency ratio | 73.6842% | 3,116 |
| Assets per employee ($millions) | 3.9963% | 3,959 |
| Cash dividends to net income (ytd only)* | 45.4545% | 2,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1675% | 5,274 |
| Loan loss allowance to noncurrent loans | 37.8559% | 5,727 |
| Noncurrent assets plus other real estate owned to assets | 2.1145% | 2,318 |
| Noncurrent loans to loans | 3.0840% | 1,681 |
| Net loans and leases to total assets | 59.8436% | 3,631 |
| Net loans and leases to deposits | 70.3434% | 3,661 |
| Net loans and leases to core deposits | 73.0118% | 3,919 |
| Total domestic deposits to total assets | 85.0735% | 3,829 |
| Equity capital to assets | 14.6043% | 839 |
| Core capital (leverage) ratio | 13.0514% | 1,101 |
| Tier 1 risk-based capital ratio | 19.9494% | 1,691 |
| Total risk-based capital ratio | 20.9701% | 1,718 |
| Memoranda: | ||
| Average total assets | $33,707,000 | 6,666 |
| Average earning assets | $30,410,400 | 6,652 |
| Average equity | $4,612,000 | 6,410 |
| Average total loans | $19,553,200 | 6,447 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6782% | 484 |
| Cost of funding earning assets | 0.5881% | 4,762 |
| Net interest margin | 5.0900% | 344 |
| Noninterest income to average assets | 0.7069% | 2,676 |
| Noninterest expense to average assets | 3.8115% | 1,190 |
| Loan and lease loss provision to assets | 0.1172% | 4,088 |
| Net operating income to assets | 1.3454% | 1,339 |
| Return on assets (ROA) | 1.4449% | 1,258 |
| Pretax return on assets | 1.4762% | 1,975 |
| Return on Equity (ROE) | 10.7296% | 2,054 |
| Retained earnings to average equity (ytd only) | 5.3648% | 3,115 |
| Net charge-offs to loans | 0.2041% | 3,512 |
| Credit loss provision to net charge-offs | 100.0000% | 2,954 |
| Earnings coverage of net charge-offs (x) | 12.7330% | 1,979 |
| Efficiency ratio | 71.8704% | 3,351 |
| Assets per employee ($millions) | 3.0313% | 6,003 |
| Cash dividends to net income (ytd only)* | 50.0000% | 1,690 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8974% | 6,389 |
| Loan loss allowance to noncurrent loans | 108.0247% | 3,030 |
| Noncurrent assets plus other real estate owned to assets | 0.6625% | 5,021 |
| Noncurrent loans to loans | 0.8308% | 4,757 |
| Net loans and leases to total assets | 53.1271% | 4,890 |
| Net loans and leases to deposits | 61.1338% | 5,068 |
| Net loans and leases to core deposits | 63.1144% | 5,253 |
| Total domestic deposits to total assets | 86.9031% | 2,734 |
| Equity capital to assets | 12.8742% | 1,659 |
| Core capital (leverage) ratio | 12.8457% | 1,254 |
| Tier 1 risk-based capital ratio | 19.0659% | 1,988 |
| Total risk-based capital ratio | 19.8276% | 2,103 |
| Memoranda: | ||
| Average total assets | $34,141,250 | 6,736 |
| Average earning assets | $30,830,750 | 6,729 |
| Average equity | $4,597,750 | 6,492 |
| Average total loans | $19,602,000 | 6,531 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9134% | 336 |
| Cost of funding earning assets | 0.6147% | 4,767 |
| Net interest margin | 5.2987% | 244 |
| Noninterest income to average assets | 0.7965% | 2,200 |
| Noninterest expense to average assets | 3.9465% | 1,010 |
| Loan and lease loss provision to assets | 0.0539% | 4,983 |
| Net operating income to assets | 1.5271% | 951 |
| Return on assets (ROA) | 1.5271% | 1,068 |
| Pretax return on assets | 1.5451% | 1,726 |
| Return on Equity (ROE) | 11.1614% | 1,933 |
| Retained earnings to average equity (ytd only) | 3.0639% | 4,602 |
| Net charge-offs to loans | 0.0917% | 4,242 |
| Credit loss provision to net charge-offs | 100.0000% | 2,712 |
| Earnings coverage of net charge-offs (x) | 29.6667% | 1,082 |
| Efficiency ratio | 71.1663% | 3,574 |
| Assets per employee ($millions) | 2.8420% | 6,334 |
| Cash dividends to net income (ytd only)* | 72.5490% | 1,006 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8807% | 6,505 |
| Loan loss allowance to noncurrent loans | 28.8303% | 6,199 |
| Noncurrent assets plus other real estate owned to assets | 2.1728% | 2,571 |
| Noncurrent loans to loans | 3.0549% | 1,925 |
| Net loans and leases to total assets | 57.7498% | 4,211 |
| Net loans and leases to deposits | 66.7378% | 4,409 |
| Net loans and leases to core deposits | 69.0520% | 4,660 |
| Total domestic deposits to total assets | 86.5324% | 3,049 |
| Equity capital to assets | 13.2301% | 1,422 |
| Core capital (leverage) ratio | 12.6382% | 1,297 |
| Tier 1 risk-based capital ratio | 18.8539% | 2,007 |
| Total risk-based capital ratio | 19.6277% | 2,131 |
| Memoranda: | ||
| Average total assets | $33,396,670 | 6,798 |
| Average earning assets | $29,932,000 | 6,797 |
| Average equity | $4,569,330 | 6,525 |
| Average total loans | $19,636,000 | 6,582 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9720% | 322 |
| Cost of funding earning assets | 0.6187% | 4,974 |
| Net interest margin | 5.3532% | 228 |
| Noninterest income to average assets | 0.8474% | 1,956 |
| Noninterest expense to average assets | 3.9222% | 1,033 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.7069% | 707 |
| Return on assets (ROA) | 1.7069% | 789 |
| Pretax return on assets | 1.7432% | 1,214 |
| Return on Equity (ROE) | 12.2662% | 1,592 |
| Retained earnings to average equity (ytd only) | 12.2662% | 785 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2308% | 3,939 |
| Assets per employee ($millions) | 2.5663% | 6,782 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9011% | 6,529 |
| Loan loss allowance to noncurrent loans | 39.5928% | 5,644 |
| Noncurrent assets plus other real estate owned to assets | 1.7265% | 3,273 |
| Noncurrent loans to loans | 2.2759% | 2,828 |
| Net loans and leases to total assets | 57.6884% | 4,090 |
| Net loans and leases to deposits | 67.2255% | 4,188 |
| Net loans and leases to core deposits | 69.6259% | 4,474 |
| Total domestic deposits to total assets | 85.8132% | 3,634 |
| Equity capital to assets | 13.9470% | 1,043 |
| Core capital (leverage) ratio | 13.0454% | 1,112 |
| Tier 1 risk-based capital ratio | 16.3332% | 2,996 |
| Total risk-based capital ratio | 16.9926% | 3,284 |
| Memoranda: | ||
| Average total assets | $33,043,000 | 6,865 |
| Average earning assets | $29,739,000 | 6,860 |
| Average equity | $4,598,000 | 6,549 |
| Average total loans | $19,519,000 | 6,636 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8477% | 575 |
| Cost of funding earning assets | 0.8057% | 4,827 |
| Net interest margin | 5.0421% | 377 |
| Noninterest income to average assets | 0.6541% | 2,865 |
| Noninterest expense to average assets | 3.7777% | 1,387 |
| Loan and lease loss provision to assets | 0.2730% | 3,489 |
| Net operating income to assets | 1.1702% | 1,602 |
| Return on assets (ROA) | 1.1702% | 1,712 |
| Pretax return on assets | 1.1852% | 2,506 |
| Return on Equity (ROE) | 8.9725% | 2,461 |
| Retained earnings to average equity (ytd only) | 5.5216% | 2,287 |
| Net charge-offs to loans | 0.2588% | 4,158 |
| Credit loss provision to net charge-offs | 178.4314% | 1,470 |
| Earnings coverage of net charge-offs (x) | 9.5294% | 1,964 |
| Efficiency ratio | 72.1490% | 3,542 |
| Assets per employee ($millions) | 1.8180% | 7,208 |
| Cash dividends to net income (ytd only)* | 38.4615% | 2,690 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8921% | 6,552 |
| Loan loss allowance to noncurrent loans | 40.6977% | 5,560 |
| Noncurrent assets plus other real estate owned to assets | 1.7235% | 3,367 |
| Noncurrent loans to loans | 2.1920% | 2,961 |
| Net loans and leases to total assets | 59.4121% | 4,108 |
| Net loans and leases to deposits | 69.1886% | 4,246 |
| Net loans and leases to core deposits | 71.6994% | 4,566 |
| Total domestic deposits to total assets | 85.8697% | 3,387 |
| Equity capital to assets | 13.8828% | 1,110 |
| Core capital (leverage) ratio | 12.5984% | 1,307 |
| Tier 1 risk-based capital ratio | 17.0938% | 2,556 |
| Total risk-based capital ratio | 17.8069% | 2,764 |
| Memoranda: | ||
| Average total assets | $33,327,400 | 6,883 |
| Average earning assets | $30,285,200 | 6,861 |
| Average equity | $4,346,600 | 6,645 |
| Average total loans | $19,707,800 | 6,670 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8132% | 685 |
| Cost of funding earning assets | 0.8442% | 4,814 |
| Net interest margin | 4.9690% | 441 |
| Noninterest income to average assets | 0.5855% | 3,261 |
| Noninterest expense to average assets | 3.4967% | 1,948 |
| Loan and lease loss provision to assets | 0.1593% | 4,475 |
| Net operating income to assets | 1.4337% | 1,091 |
| Return on assets (ROA) | 1.4337% | 1,161 |
| Pretax return on assets | 1.4537% | 1,778 |
| Return on Equity (ROE) | 11.1691% | 1,796 |
| Retained earnings to average equity (ytd only) | 6.5152% | 2,233 |
| Net charge-offs to loans | 0.2636% | 3,797 |
| Credit loss provision to net charge-offs | 102.5641% | 3,246 |
| Earnings coverage of net charge-offs (x) | 10.3844% | 1,926 |
| Efficiency ratio | 68.4334% | 4,229 |
| Assets per employee ($millions) | 1.8815% | 7,261 |
| Cash dividends to net income (ytd only)* | 41.6675% | 1,962 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6964% | 6,969 |
| Loan loss allowance to noncurrent loans | 63.2558% | 4,296 |
| Noncurrent assets plus other real estate owned to assets | 1.0305% | 4,703 |
| Noncurrent loans to loans | 1.1010% | 4,717 |
| Net loans and leases to total assets | 57.2593% | 4,632 |
| Net loans and leases to deposits | 66.2680% | 4,860 |
| Net loans and leases to core deposits | 68.5690% | 5,111 |
| Total domestic deposits to total assets | 86.4056% | 2,984 |
| Equity capital to assets | 13.4054% | 1,409 |
| Core capital (leverage) ratio | 12.2609% | 1,553 |
| Tier 1 risk-based capital ratio | 17.8906% | 2,293 |
| Total risk-based capital ratio | 18.4746% | 2,514 |
| Memoranda: | ||
| Average total assets | $33,478,250 | 6,941 |
| Average earning assets | $30,481,500 | 6,920 |
| Average equity | $4,297,500 | 6,710 |
| Average total loans | $19,730,500 | 6,741 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7010% | 870 |
| Cost of funding earning assets | 0.9040% | 4,629 |
| Net interest margin | 4.7970% | 604 |
| Noninterest income to average assets | 0.5757% | 3,295 |
| Noninterest expense to average assets | 3.5324% | 1,906 |
| Loan and lease loss provision to assets | 0.2339% | 3,571 |
| Net operating income to assets | 1.1695% | 1,663 |
| Return on assets (ROA) | 1.1695% | 1,743 |
| Pretax return on assets | 1.1695% | 2,603 |
| Return on Equity (ROE) | 9.2490% | 2,411 |
| Retained earnings to average equity (ytd only) | 2.1344% | 4,924 |
| Net charge-offs to loans | 0.3839% | 3,026 |
| Credit loss provision to net charge-offs | 102.6316% | 3,013 |
| Earnings coverage of net charge-offs (x) | 6.1579% | 2,453 |
| Efficiency ratio | 71.5674% | 3,817 |
| Assets per employee ($millions) | 2.0933% | 7,234 |
| Cash dividends to net income (ytd only)* | 76.9231% | 866 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6749% | 7,049 |
| Loan loss allowance to noncurrent loans | 52.9183% | 4,845 |
| Noncurrent assets plus other real estate owned to assets | 1.1674% | 4,554 |
| Noncurrent loans to loans | 1.2754% | 4,535 |
| Net loans and leases to total assets | 59.7605% | 4,318 |
| Net loans and leases to deposits | 68.8013% | 4,587 |
| Net loans and leases to core deposits | 71.1974% | 4,928 |
| Total domestic deposits to total assets | 86.8595% | 2,813 |
| Equity capital to assets | 12.9404% | 1,546 |
| Core capital (leverage) ratio | 11.7530% | 1,747 |
| Tier 1 risk-based capital ratio | 17.5554% | 2,318 |
| Total risk-based capital ratio | 18.1523% | 2,534 |
| Memoranda: | ||
| Average total assets | $33,348,670 | 7,003 |
| Average earning assets | $30,310,670 | 6,987 |
| Average equity | $4,216,670 | 6,773 |
| Average total loans | $19,798,000 | 6,804 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9002% | 596 |
| Cost of funding earning assets | 0.9768% | 4,380 |
| Net interest margin | 4.9234% | 436 |
| Noninterest income to average assets | 0.5529% | 3,487 |
| Noninterest expense to average assets | 3.7023% | 1,531 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.3343% | 1,192 |
| Return on assets (ROA) | 1.3343% | 1,239 |
| Pretax return on assets | 1.3343% | 1,928 |
| Return on Equity (ROE) | 10.6782% | 1,840 |
| Retained earnings to average equity (ytd only) | -3.7518% | 6,385 |
| Net charge-offs to loans | 0.1019% | 3,937 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 22.2000% | 1,057 |
| Efficiency ratio | 73.5084% | 3,607 |
| Assets per employee ($millions) | 2.1506% | 7,281 |
| Cash dividends to net income (ytd only)* | 135.1351% | 388 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6601% | 7,127 |
| Loan loss allowance to noncurrent loans | 141.3043% | 2,097 |
| Noncurrent assets plus other real estate owned to assets | 0.6771% | 5,595 |
| Noncurrent loans to loans | 0.4672% | 6,084 |
| Net loans and leases to total assets | 56.8527% | 4,833 |
| Net loans and leases to deposits | 64.7889% | 5,155 |
| Net loans and leases to core deposits | 67.7647% | 5,322 |
| Total domestic deposits to total assets | 87.7507% | 2,522 |
| Equity capital to assets | 12.0430% | 1,893 |
| Core capital (leverage) ratio | 11.7154% | 1,729 |
| Tier 1 risk-based capital ratio | 17.3412% | 2,359 |
| Total risk-based capital ratio | 17.9169% | 2,574 |
| Memoranda: | ||
| Average total assets | $33,277,000 | 7,059 |
| Average earning assets | $30,304,000 | 7,041 |
| Average equity | $4,158,000 | 6,827 |
| Average total loans | $19,621,500 | 6,863 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3072% | 457 |
| Cost of funding earning assets | 1.2125% | 4,478 |
| Net interest margin | 5.0947% | 361 |
| Noninterest income to average assets | 0.6885% | 2,912 |
| Noninterest expense to average assets | 3.9156% | 1,295 |
| Loan and lease loss provision to assets | 0.3861% | 3,799 |
| Net operating income to assets | 1.0103% | 2,004 |
| Return on assets (ROA) | 1.0103% | 2,111 |
| Pretax return on assets | 1.0103% | 2,903 |
| Return on Equity (ROE) | 7.6656% | 2,828 |
| Retained earnings to average equity (ytd only) | 3.3934% | 3,496 |
| Net charge-offs to loans | 0.6108% | 3,202 |
| Credit loss provision to net charge-offs | 100.0000% | 4,560 |
| Earnings coverage of net charge-offs (x) | 3.6167% | 3,274 |
| Efficiency ratio | 73.7129% | 3,460 |
| Assets per employee ($millions) | 1.7858% | 7,489 |
| Cash dividends to net income (ytd only)* | 55.7325% | 1,821 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6905% | 7,147 |
| Loan loss allowance to noncurrent loans | 73.7705% | 3,781 |
| Noncurrent assets plus other real estate owned to assets | 1.0080% | 4,985 |
| Noncurrent loans to loans | 0.9361% | 5,179 |
| Net loans and leases to total assets | 60.4001% | 4,608 |
| Net loans and leases to deposits | 69.5928% | 4,863 |
| Net loans and leases to core deposits | 73.7568% | 5,004 |
| Total domestic deposits to total assets | 86.7907% | 2,932 |
| Equity capital to assets | 12.9791% | 1,397 |
| Core capital (leverage) ratio | 12.2643% | 1,404 |
| Tier 1 risk-based capital ratio | 17.9479% | 2,012 |
| Total risk-based capital ratio | 18.5605% | 2,196 |
| Memoranda: | ||
| Average total assets | $31,080,600 | 7,169 |
| Average earning assets | $28,206,000 | 7,155 |
| Average equity | $4,096,200 | 6,965 |
| Average total loans | $19,646,600 | 6,946 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4027% | 409 |
| Cost of funding earning assets | 1.2500% | 4,573 |
| Net interest margin | 5.1527% | 324 |
| Noninterest income to average assets | 0.6966% | 2,836 |
| Noninterest expense to average assets | 3.7600% | 1,454 |
| Loan and lease loss provision to assets | 0.2769% | 4,368 |
| Net operating income to assets | 1.3327% | 1,274 |
| Return on assets (ROA) | 1.3327% | 1,350 |
| Pretax return on assets | 1.3327% | 2,083 |
| Return on Equity (ROE) | 10.0720% | 2,095 |
| Retained earnings to average equity (ytd only) | 4.3493% | 3,432 |
| Net charge-offs to loans | 0.4338% | 3,560 |
| Credit loss provision to net charge-offs | 100.0000% | 4,307 |
| Earnings coverage of net charge-offs (x) | 5.8126% | 2,672 |
| Efficiency ratio | 70.0242% | 4,064 |
| Assets per employee ($millions) | 1.7474% | 7,611 |
| Cash dividends to net income (ytd only)* | 56.8183% | 1,366 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6713% | 7,252 |
| Loan loss allowance to noncurrent loans | 31.7647% | 6,225 |
| Noncurrent assets plus other real estate owned to assets | 1.7995% | 3,747 |
| Noncurrent loans to loans | 2.1133% | 3,554 |
| Net loans and leases to total assets | 63.5086% | 4,220 |
| Net loans and leases to deposits | 73.4601% | 4,600 |
| Net loans and leases to core deposits | 77.9582% | 4,809 |
| Total domestic deposits to total assets | 86.4532% | 2,822 |
| Equity capital to assets | 13.3242% | 1,436 |
| Core capital (leverage) ratio | 12.4692% | 1,427 |
| Tier 1 risk-based capital ratio | 17.7408% | 2,096 |
| Total risk-based capital ratio | 18.3472% | 2,266 |
| Memoranda: | ||
| Average total assets | $30,814,750 | 7,261 |
| Average earning assets | $27,945,750 | 7,250 |
| Average equity | $4,077,250 | 7,060 |
| Average total loans | $19,670,750 | 7,037 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4165% | 397 |
| Cost of funding earning assets | 1.2963% | 4,561 |
| Net interest margin | 5.1202% | 327 |
| Noninterest income to average assets | 0.6274% | 3,147 |
| Noninterest expense to average assets | 3.5619% | 1,882 |
| Loan and lease loss provision to assets | 0.1569% | 5,329 |
| Net operating income to assets | 1.5555% | 807 |
| Return on assets (ROA) | 1.5555% | 863 |
| Pretax return on assets | 1.5555% | 1,417 |
| Return on Equity (ROE) | 11.7841% | 1,509 |
| Retained earnings to average equity (ytd only) | 3.1193% | 4,126 |
| Net charge-offs to loans | 0.2459% | 4,120 |
| Credit loss provision to net charge-offs | 100.0000% | 4,062 |
| Earnings coverage of net charge-offs (x) | 10.9167% | 1,825 |
| Efficiency ratio | 67.5341% | 4,668 |
| Assets per employee ($millions) | 1.7224% | 7,679 |
| Cash dividends to net income (ytd only)* | 73.5294% | 930 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6673% | 7,309 |
| Loan loss allowance to noncurrent loans | 25.8621% | 6,620 |
| Noncurrent assets plus other real estate owned to assets | 1.6837% | 3,916 |
| Noncurrent loans to loans | 2.5802% | 3,057 |
| Net loans and leases to total assets | 64.8174% | 4,080 |
| Net loans and leases to deposits | 74.8845% | 4,530 |
| Net loans and leases to core deposits | 80.9148% | 4,562 |
| Total domestic deposits to total assets | 86.5566% | 2,788 |
| Equity capital to assets | 13.2564% | 1,452 |
| Core capital (leverage) ratio | 12.4255% | 1,436 |
| Tier 1 risk-based capital ratio | 17.3518% | 2,152 |
| Total risk-based capital ratio | 17.9557% | 2,347 |
| Memoranda: | ||
| Average total assets | $30,601,670 | 7,325 |
| Average earning assets | $27,772,330 | 7,306 |
| Average equity | $4,039,330 | 7,111 |
| Average total loans | $19,524,000 | 7,095 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4698% | 380 |
| Cost of funding earning assets | 1.3260% | 4,648 |
| Net interest margin | 5.1438% | 324 |
| Noninterest income to average assets | 0.6184% | 3,150 |
| Noninterest expense to average assets | 3.5920% | 1,756 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.6710% | 655 |
| Return on assets (ROA) | 1.6710% | 705 |
| Pretax return on assets | 1.6710% | 1,114 |
| Return on Equity (ROE) | 12.6873% | 1,327 |
| Retained earnings to average equity (ytd only) | -4.7952% | 6,575 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2500% | 4,674 |
| Assets per employee ($millions) | 1.8186% | 7,750 |
| Cash dividends to net income (ytd only)* | 137.7953% | 345 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7018% | 7,333 |
| Loan loss allowance to noncurrent loans | 18.7500% | 7,071 |
| Noncurrent assets plus other real estate owned to assets | 2.3289% | 3,117 |
| Noncurrent loans to loans | 3.7430% | 2,125 |
| Net loans and leases to total assets | 61.7835% | 4,805 |
| Net loans and leases to deposits | 71.1317% | 5,176 |
| Net loans and leases to core deposits | 76.8312% | 5,155 |
| Total domestic deposits to total assets | 86.8579% | 2,705 |
| Equity capital to assets | 12.9448% | 1,545 |
| Core capital (leverage) ratio | 12.2080% | 1,541 |
| Tier 1 risk-based capital ratio | 17.4469% | 2,095 |
| Total risk-based capital ratio | 18.0720% | 2,288 |
| Memoranda: | ||
| Average total assets | $30,400,500 | 7,426 |
| Average earning assets | $27,450,500 | 7,408 |
| Average equity | $4,004,000 | 7,190 |
| Average total loans | $19,170,500 | 7,206 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6963% | 465 |
| Cost of funding earning assets | 1.4909% | 5,547 |
| Net interest margin | 5.2053% | 289 |
| Noninterest income to average assets | 0.6432% | 3,335 |
| Noninterest expense to average assets | 4.4084% | 865 |
| Loan and lease loss provision to assets | 0.0402% | 7,149 |
| Net operating income to assets | 0.9078% | 2,151 |
| Return on assets (ROA) | 1.1992% | 1,297 |
| Pretax return on assets | 1.1992% | 1,958 |
| Return on Equity (ROE) | 9.2650% | 1,935 |
| Retained earnings to average equity (ytd only) | 5.9783% | 1,356 |
| Net charge-offs to loans | 0.1476% | 5,763 |
| Credit loss provision to net charge-offs | 46.1538% | 6,786 |
| Earnings coverage of net charge-offs (x) | 10.8846% | 1,643 |
| Efficiency ratio | 82.3014% | 2,562 |
| Assets per employee ($millions) | 1.7579% | 7,838 |
| Cash dividends to net income (ytd only)* | 35.4749% | 3,112 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7066% | 7,367 |
| Loan loss allowance to noncurrent loans | 21.4968% | 6,983 |
| Noncurrent assets plus other real estate owned to assets | 2.1014% | 3,274 |
| Noncurrent loans to loans | 3.2871% | 2,325 |
| Net loans and leases to total assets | 63.4767% | 4,708 |
| Net loans and leases to deposits | 73.4816% | 5,121 |
| Net loans and leases to core deposits | 109.4507% | 2,957 |
| Total domestic deposits to total assets | 86.3845% | 2,820 |
| Equity capital to assets | 13.4047% | 1,361 |
| Core capital (leverage) ratio | 12.6307% | 1,391 |
| Tier 1 risk-based capital ratio | 18.0008% | 1,898 |
| Total risk-based capital ratio | 18.6377% | 2,015 |
| Memoranda: | ||
| Average total assets | $29,852,200 | 7,474 |
| Average earning assets | $27,030,000 | 7,460 |
| Average equity | $3,864,000 | 7,338 |
| Average total loans | $17,615,800 | 7,329 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6565% | 547 |
| Cost of funding earning assets | 1.5361% | 5,686 |
| Net interest margin | 5.1204% | 348 |
| Noninterest income to average assets | 0.6344% | 3,462 |
| Noninterest expense to average assets | 4.2219% | 1,010 |
| Loan and lease loss provision to assets | 0.0536% | 6,842 |
| Net operating income to assets | 1.0052% | 2,037 |
| Return on assets (ROA) | 1.0052% | 2,098 |
| Pretax return on assets | 1.0052% | 2,887 |
| Return on Equity (ROE) | 7.8357% | 2,712 |
| Retained earnings to average equity (ytd only) | 3.4128% | 3,388 |
| Net charge-offs to loans | 0.0464% | 6,262 |
| Credit loss provision to net charge-offs | 200.0000% | 2,230 |
| Earnings coverage of net charge-offs (x) | 39.4988% | 758 |
| Efficiency ratio | 79.9492% | 2,851 |
| Assets per employee ($millions) | 1.7841% | 7,904 |
| Cash dividends to net income (ytd only)* | 56.4452% | 1,756 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8249% | 7,044 |
| Loan loss allowance to noncurrent loans | 73.4597% | 3,669 |
| Noncurrent assets plus other real estate owned to assets | 0.6957% | 5,742 |
| Noncurrent loans to loans | 1.1229% | 5,070 |
| Net loans and leases to total assets | 61.4408% | 5,336 |
| Net loans and leases to deposits | 70.8528% | 5,805 |
| Net loans and leases to core deposits | 97.8986% | 4,613 |
| Total domestic deposits to total assets | 86.7161% | 2,319 |
| Equity capital to assets | 13.1256% | 1,647 |
| Core capital (leverage) ratio | 12.2959% | 1,665 |
| Tier 1 risk-based capital ratio | 17.7096% | 2,072 |
| Total risk-based capital ratio | 18.4551% | 2,158 |
| Memoranda: | ||
| Average total assets | $29,844,000 | 7,542 |
| Average earning assets | $27,080,750 | 7,526 |
| Average equity | $3,828,500 | 7,406 |
| Average total loans | $17,243,500 | 7,404 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6573% | 590 |
| Cost of funding earning assets | 1.6141% | 5,690 |
| Net interest margin | 5.0432% | 389 |
| Noninterest income to average assets | 0.6603% | 3,263 |
| Noninterest expense to average assets | 4.2652% | 994 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.9635% | 2,230 |
| Return on assets (ROA) | 0.9635% | 2,335 |
| Pretax return on assets | 0.9635% | 3,136 |
| Return on Equity (ROE) | 7.5708% | 2,937 |
| Retained earnings to average equity (ytd only) | 0.8471% | 4,844 |
| Net charge-offs to loans | 0.0359% | 5,959 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 47.6667% | 708 |
| Efficiency ratio | 81.5722% | 2,783 |
| Assets per employee ($millions) | 1.7504% | 8,005 |
| Cash dividends to net income (ytd only)* | 88.8112% | 906 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8224% | 7,078 |
| Loan loss allowance to noncurrent loans | 26.5455% | 6,732 |
| Noncurrent assets plus other real estate owned to assets | 1.8484% | 3,402 |
| Noncurrent loans to loans | 3.0981% | 2,311 |
| Net loans and leases to total assets | 59.1713% | 5,812 |
| Net loans and leases to deposits | 68.0017% | 6,187 |
| Net loans and leases to core deposits | 93.6343% | 5,159 |
| Total domestic deposits to total assets | 87.0144% | 2,250 |
| Equity capital to assets | 12.8109% | 1,782 |
| Core capital (leverage) ratio | 12.1734% | 1,761 |
| Tier 1 risk-based capital ratio | 18.0719% | 1,998 |
| Total risk-based capital ratio | 18.8046% | 2,090 |
| Memoranda: | ||
| Average total assets | $29,682,000 | 7,617 |
| Average earning assets | $26,887,670 | 7,601 |
| Average equity | $3,777,670 | 7,484 |
| Average total loans | $16,728,000 | 7,499 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5849% | 731 |
| Cost of funding earning assets | 1.6163% | 5,962 |
| Net interest margin | 4.9686% | 436 |
| Noninterest income to average assets | 0.5802% | 3,685 |
| Noninterest expense to average assets | 4.1963% | 943 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.8636% | 2,866 |
| Return on assets (ROA) | 0.8636% | 3,015 |
| Pretax return on assets | 0.8636% | 3,849 |
| Return on Equity (ROE) | 6.8076% | 3,666 |
| Retained earnings to average equity (ytd only) | -6.8076% | 6,774 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.9333% | 2,420 |
| Assets per employee ($millions) | 1.7930% | 8,019 |
| Cash dividends to net income (ytd only)* | 200.0000% | 300 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8923% | 6,785 |
| Loan loss allowance to noncurrent loans | 34.1014% | 6,263 |
| Noncurrent assets plus other real estate owned to assets | 1.4238% | 3,804 |
| Noncurrent loans to loans | 2.6165% | 2,518 |
| Net loans and leases to total assets | 53.9320% | 6,473 |
| Net loans and leases to deposits | 61.5993% | 6,768 |
| Net loans and leases to core deposits | 83.4255% | 6,100 |
| Total domestic deposits to total assets | 87.5529% | 1,946 |
| Equity capital to assets | 12.3093% | 2,073 |
| Core capital (leverage) ratio | 12.0025% | 1,900 |
| Tier 1 risk-based capital ratio | 18.4388% | 1,950 |
| Total risk-based capital ratio | 19.2137% | 2,009 |
| Memoranda: | ||
| Average total assets | $29,645,000 | 7,659 |
| Average earning assets | $26,728,000 | 7,651 |
| Average equity | $3,760,500 | 7,537 |
| Average total loans | $16,215,500 | 7,571 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6495% | 2,250 |
| Cost of funding earning assets | 1.8915% | 6,750 |
| Net interest margin | 4.7581% | 853 |
| Noninterest income to average assets | 0.6346% | 3,599 |
| Noninterest expense to average assets | 3.9239% | 1,524 |
| Loan and lease loss provision to assets | 0.0038% | 7,307 |
| Net operating income to assets | 0.9575% | 2,753 |
| Return on assets (ROA) | 0.9575% | 2,624 |
| Pretax return on assets | 0.9575% | 3,532 |
| Return on Equity (ROE) | 7.2030% | 3,432 |
| Retained earnings to average equity (ytd only) | 3.5309% | 2,942 |
| Net charge-offs to loans | 0.0559% | 5,984 |
| Credit loss provision to net charge-offs | 12.5000% | 6,612 |
| Earnings coverage of net charge-offs (x) | 32.0000% | 1,120 |
| Efficiency ratio | 80.3228% | 2,548 |
| Assets per employee ($millions) | 1.9206% | 7,971 |
| Cash dividends to net income (ytd only)* | 50.9804% | 3,077 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9404% | 6,446 |
| Loan loss allowance to noncurrent loans | 39.5225% | 6,084 |
| Noncurrent assets plus other real estate owned to assets | 1.3086% | 3,604 |
| Noncurrent loans to loans | 2.3794% | 2,311 |
| Net loans and leases to total assets | 54.4795% | 6,602 |
| Net loans and leases to deposits | 63.1107% | 6,868 |
| Net loans and leases to core deposits | 83.7111% | 6,318 |
| Total domestic deposits to total assets | 86.3237% | 2,250 |
| Equity capital to assets | 13.0827% | 1,750 |
| Core capital (leverage) ratio | 12.2921% | 1,846 |
| Tier 1 risk-based capital ratio | 19.0966% | 1,792 |
| Total risk-based capital ratio | 19.8903% | 1,836 |
| Memoranda: | ||
| Average total assets | $26,631,400 | 7,780 |
| Average earning assets | $23,791,200 | 7,791 |
| Average equity | $3,540,200 | 7,663 |
| Average total loans | $14,310,200 | 7,687 |