Home > Community Banks of Shelby County > Performance and Condition Ratios
Community Banks of Shelby County, Performance and Condition Ratios
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8589% | 4,654 |
| Cost of funding earning assets | 0.1655% | 3,372 |
| Net interest margin | 1.6933% | 4,655 |
| Noninterest income to average assets | 0.1970% | 4,016 |
| Noninterest expense to average assets | 1.8546% | 3,823 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | -0.0455% | 4,596 |
| Return on assets (ROA) | -0.0455% | 4,563 |
| Pretax return on assets | -0.0455% | 4,554 |
| Return on Equity (ROE) | -0.5362% | 4,573 |
| Retained earnings to average equity (ytd only) | -2.3234% | 4,405 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.5126% | 166 |
| Assets per employee ($millions) | 3.3327% | 4,578 |
| Cash dividends to net income (ytd only)* | -333.3333% | 4,765 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4186% | 1,677 |
| Loan loss allowance to noncurrent loans | 29.7941% | 3,927 |
| Noncurrent assets plus other real estate owned to assets | 1.3848% | 276 |
| Noncurrent loans to loans | 4.7614% | 71 |
| Net loans and leases to total assets | 28.6704% | 4,497 |
| Net loans and leases to deposits | 31.2925% | 4,517 |
| Net loans and leases to core deposits | 34.2651% | 4,473 |
| Total domestic deposits to total assets | 91.6209% | 996 |
| Equity capital to assets | 8.3356% | 2,879 |
| Core capital (leverage) ratio | 8.2155% | 4,166 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.4073% | 455 |
| Memoranda: | ||
| Average total assets | $65,996,333 | 4,341 |
| Average earning assets | $62,834,333 | 4,317 |
| Average equity | $5,595,333 | 4,455 |
| Average total loans | $20,714,333 | 4,493 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8290% | 4,660 |
| Cost of funding earning assets | 0.1733% | 3,180 |
| Net interest margin | 1.6558% | 4,659 |
| Noninterest income to average assets | 0.1766% | 4,117 |
| Noninterest expense to average assets | 1.8274% | 3,875 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | -0.0792% | 4,585 |
| Return on assets (ROA) | -0.0792% | 4,567 |
| Pretax return on assets | -0.0792% | 4,560 |
| Return on Equity (ROE) | -0.9261% | 4,584 |
| Retained earnings to average equity (ytd only) | -0.9261% | 4,133 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.5296% | 180 |
| Assets per employee ($millions) | 3.3769% | 4,587 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3370% | 2,184 |
| Loan loss allowance to noncurrent loans | 31.7552% | 3,967 |
| Noncurrent assets plus other real estate owned to assets | 1.2823% | 322 |
| Noncurrent loans to loans | 4.2104% | 88 |
| Net loans and leases to total assets | 30.0472% | 4,446 |
| Net loans and leases to deposits | 32.7925% | 4,470 |
| Net loans and leases to core deposits | 36.0874% | 4,424 |
| Total domestic deposits to total assets | 91.6283% | 738 |
| Equity capital to assets | 8.3051% | 3,318 |
| Core capital (leverage) ratio | 8.3382% | 4,032 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.8044% | 504 |
| Memoranda: | ||
| Average total assets | $65,667,500 | 4,365 |
| Average earning assets | $62,328,000 | 4,343 |
| Average equity | $5,615,000 | 4,507 |
| Average total loans | $21,379,000 | 4,492 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1022% | 4,654 |
| Cost of funding earning assets | 0.1926% | 3,545 |
| Net interest margin | 1.9096% | 4,637 |
| Noninterest income to average assets | 0.5874% | 2,215 |
| Noninterest expense to average assets | 2.1575% | 3,210 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.2154% | 4,521 |
| Return on assets (ROA) | 0.2154% | 4,539 |
| Pretax return on assets | 0.2154% | 4,564 |
| Return on Equity (ROE) | 2.2919% | 4,466 |
| Retained earnings to average equity (ytd only) | -1.4682% | 4,602 |
| Net charge-offs to loans | -0.0042% | 3,513 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.9220% | 296 |
| Assets per employee ($millions) | 3.1899% | 4,658 |
| Cash dividends to net income (ytd only)* | 164.0625% | 62 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2393% | 2,679 |
| Loan loss allowance to noncurrent loans | 31.5006% | 4,025 |
| Noncurrent assets plus other real estate owned to assets | 1.3684% | 323 |
| Noncurrent loans to loans | 3.9342% | 107 |
| Net loans and leases to total assets | 34.3506% | 4,361 |
| Net loans and leases to deposits | 37.6909% | 4,418 |
| Net loans and leases to core deposits | 41.8377% | 4,341 |
| Total domestic deposits to total assets | 91.1377% | 442 |
| Equity capital to assets | 8.8106% | 3,797 |
| Core capital (leverage) ratio | 8.8739% | 3,536 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $59,419,400 | 4,460 |
| Average earning assets | $55,561,400 | 4,445 |
| Average equity | $5,585,000 | 4,573 |
| Average total loans | $23,737,800 | 4,501 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1532% | 4,725 |
| Cost of funding earning assets | 0.1982% | 3,618 |
| Net interest margin | 1.9550% | 4,698 |
| Noninterest income to average assets | 0.5509% | 2,405 |
| Noninterest expense to average assets | 2.1763% | 3,151 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.2012% | 4,625 |
| Return on assets (ROA) | 0.2012% | 4,647 |
| Pretax return on assets | 0.2012% | 4,665 |
| Return on Equity (ROE) | 2.1042% | 4,581 |
| Retained earnings to average equity (ytd only) | -2.9172% | 4,743 |
| Net charge-offs to loans | -0.0055% | 3,463 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.5385% | 284 |
| Assets per employee ($millions) | 2.9653% | 4,762 |
| Cash dividends to net income (ytd only)* | 238.6364% | 26 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1655% | 3,139 |
| Loan loss allowance to noncurrent loans | 39.9129% | 4,044 |
| Noncurrent assets plus other real estate owned to assets | 1.1618% | 520 |
| Noncurrent loans to loans | 2.9200% | 229 |
| Net loans and leases to total assets | 39.3238% | 4,239 |
| Net loans and leases to deposits | 43.4510% | 4,331 |
| Net loans and leases to core deposits | 47.1227% | 4,277 |
| Total domestic deposits to total assets | 90.5016% | 563 |
| Equity capital to assets | 9.4107% | 3,461 |
| Core capital (leverage) ratio | 9.2602% | 3,259 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $58,324,750 | 4,533 |
| Average earning assets | $54,491,500 | 4,510 |
| Average equity | $5,576,000 | 4,641 |
| Average total loans | $24,124,750 | 4,554 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1535% | 4,774 |
| Cost of funding earning assets | 0.2028% | 3,720 |
| Net interest margin | 1.9507% | 4,733 |
| Noninterest income to average assets | 0.5000% | 2,624 |
| Noninterest expense to average assets | 2.1794% | 3,157 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.1448% | 4,667 |
| Return on assets (ROA) | 0.1448% | 4,691 |
| Pretax return on assets | 0.1448% | 4,703 |
| Return on Equity (ROE) | 1.5069% | 4,648 |
| Retained earnings to average equity (ytd only) | -6.0276% | 4,807 |
| Net charge-offs to loans | -0.0082% | 3,605 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.7685% | 259 |
| Assets per employee ($millions) | 2.9585% | 4,790 |
| Cash dividends to net income (ytd only)* | 500.0000% | 13 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1620% | 3,127 |
| Loan loss allowance to noncurrent loans | 39.2857% | 4,069 |
| Noncurrent assets plus other real estate owned to assets | 1.1830% | 586 |
| Noncurrent loans to loans | 2.9577% | 248 |
| Net loans and leases to total assets | 39.5335% | 4,307 |
| Net loans and leases to deposits | 43.7013% | 4,393 |
| Net loans and leases to core deposits | 47.5293% | 4,349 |
| Total domestic deposits to total assets | 90.4631% | 567 |
| Equity capital to assets | 9.3561% | 3,464 |
| Core capital (leverage) ratio | 9.3373% | 3,087 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $57,998,000 | 4,561 |
| Average earning assets | $54,236,333 | 4,541 |
| Average equity | $5,574,333 | 4,668 |
| Average total loans | $24,301,000 | 4,585 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2124% | 4,788 |
| Cost of funding earning assets | 0.2100% | 3,828 |
| Net interest margin | 2.0024% | 4,730 |
| Noninterest income to average assets | 0.1951% | 4,219 |
| Noninterest expense to average assets | 2.1180% | 3,369 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | -0.0627% | 4,795 |
| Return on assets (ROA) | -0.0627% | 4,799 |
| Pretax return on assets | -0.0627% | 4,800 |
| Return on Equity (ROE) | -0.6436% | 4,808 |
| Retained earnings to average equity (ytd only) | -15.6610% | 4,884 |
| Net charge-offs to loans | -0.0162% | 3,894 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.0508% | 163 |
| Assets per employee ($millions) | 2.9632% | 4,827 |
| Cash dividends to net income (ytd only)* | -2,333.3333% | 4,973 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1652% | 3,119 |
| Loan loss allowance to noncurrent loans | 38.0886% | 4,130 |
| Noncurrent assets plus other real estate owned to assets | 1.2183% | 612 |
| Noncurrent loans to loans | 3.0592% | 250 |
| Net loans and leases to total assets | 39.3595% | 4,369 |
| Net loans and leases to deposits | 43.4158% | 4,445 |
| Net loans and leases to core deposits | 47.2645% | 4,394 |
| Total domestic deposits to total assets | 90.6571% | 519 |
| Equity capital to assets | 9.2535% | 3,441 |
| Core capital (leverage) ratio | 9.3803% | 3,164 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $57,412,000 | 4,590 |
| Average earning assets | $53,335,000 | 4,574 |
| Average equity | $5,593,500 | 4,685 |
| Average total loans | $24,618,000 | 4,601 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9616% | 4,662 |
| Cost of funding earning assets | 0.3241% | 4,007 |
| Net interest margin | 2.6375% | 4,450 |
| Noninterest income to average assets | 0.2522% | 3,974 |
| Noninterest expense to average assets | 2.3230% | 3,346 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.4165% | 4,213 |
| Return on assets (ROA) | 0.4165% | 4,292 |
| Pretax return on assets | 0.4165% | 4,394 |
| Return on Equity (ROE) | 3.8746% | 4,190 |
| Retained earnings to average equity (ytd only) | 1.3863% | 4,071 |
| Net charge-offs to loans | -0.0276% | 4,509 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.7978% | 579 |
| Assets per employee ($millions) | 2.7780% | 4,859 |
| Cash dividends to net income (ytd only)* | 64.2202% | 1,177 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0689% | 3,604 |
| Loan loss allowance to noncurrent loans | 29.5577% | 4,285 |
| Noncurrent assets plus other real estate owned to assets | 1.6685% | 400 |
| Noncurrent loans to loans | 3.6161% | 183 |
| Net loans and leases to total assets | 45.6461% | 4,148 |
| Net loans and leases to deposits | 50.9012% | 4,271 |
| Net loans and leases to core deposits | 55.3806% | 4,186 |
| Total domestic deposits to total assets | 89.6760% | 687 |
| Equity capital to assets | 10.2646% | 2,868 |
| Core capital (leverage) ratio | 10.4696% | 2,183 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $52,347,200 | 4,623 |
| Average earning assets | $49,365,400 | 4,595 |
| Average equity | $5,626,400 | 4,685 |
| Average total loans | $25,363,800 | 4,609 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1046% | 4,663 |
| Cost of funding earning assets | 0.3532% | 4,040 |
| Net interest margin | 2.7514% | 4,399 |
| Noninterest income to average assets | 0.2509% | 3,978 |
| Noninterest expense to average assets | 2.3436% | 3,305 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.4863% | 4,071 |
| Return on assets (ROA) | 0.4863% | 4,148 |
| Pretax return on assets | 0.4863% | 4,305 |
| Return on Equity (ROE) | 4.4703% | 4,036 |
| Retained earnings to average equity (ytd only) | 1.1414% | 4,207 |
| Net charge-offs to loans | -0.0369% | 4,597 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.8154% | 686 |
| Assets per employee ($millions) | 2.6160% | 4,912 |
| Cash dividends to net income (ytd only)* | 74.4681% | 716 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0553% | 3,432 |
| Loan loss allowance to noncurrent loans | 110.0402% | 3,148 |
| Noncurrent assets plus other real estate owned to assets | 0.4759% | 2,295 |
| Noncurrent loans to loans | 0.9590% | 1,571 |
| Net loans and leases to total assets | 49.1045% | 4,146 |
| Net loans and leases to deposits | 55.1380% | 4,292 |
| Net loans and leases to core deposits | 59.0774% | 4,251 |
| Total domestic deposits to total assets | 89.0575% | 746 |
| Equity capital to assets | 10.8431% | 2,522 |
| Core capital (leverage) ratio | 10.6581% | 2,136 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $51,544,000 | 4,652 |
| Average earning assets | $48,313,500 | 4,634 |
| Average equity | $5,607,250 | 4,706 |
| Average total loans | $25,296,000 | 4,635 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0627% | 4,806 |
| Cost of funding earning assets | 0.3725% | 4,160 |
| Net interest margin | 2.6902% | 4,562 |
| Noninterest income to average assets | 0.2535% | 3,954 |
| Noninterest expense to average assets | 2.3710% | 3,342 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.4173% | 4,200 |
| Return on assets (ROA) | 0.4173% | 4,260 |
| Pretax return on assets | 0.4173% | 4,389 |
| Return on Equity (ROE) | 3.8315% | 4,154 |
| Retained earnings to average equity (ytd only) | -1.1817% | 4,498 |
| Net charge-offs to loans | -0.0558% | 4,711 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.0350% | 583 |
| Assets per employee ($millions) | 2.6708% | 4,936 |
| Cash dividends to net income (ytd only)* | 130.8411% | 276 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1018% | 3,048 |
| Loan loss allowance to noncurrent loans | 114.1667% | 3,032 |
| Noncurrent assets plus other real estate owned to assets | 0.4493% | 2,522 |
| Noncurrent loans to loans | 0.9651% | 1,604 |
| Net loans and leases to total assets | 46.0443% | 4,366 |
| Net loans and leases to deposits | 51.4798% | 4,461 |
| Net loans and leases to core deposits | 55.1161% | 4,461 |
| Total domestic deposits to total assets | 89.4414% | 598 |
| Equity capital to assets | 10.4688% | 2,771 |
| Core capital (leverage) ratio | 10.6281% | 2,256 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $51,285,667 | 4,674 |
| Average earning assets | $48,323,000 | 4,648 |
| Average equity | $5,585,333 | 4,731 |
| Average total loans | $25,073,000 | 4,663 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1812% | 4,872 |
| Cost of funding earning assets | 0.4186% | 4,294 |
| Net interest margin | 2.7626% | 4,607 |
| Noninterest income to average assets | 0.2947% | 3,762 |
| Noninterest expense to average assets | 2.4930% | 3,289 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.4301% | 4,070 |
| Return on assets (ROA) | 0.4301% | 4,109 |
| Pretax return on assets | 0.4301% | 4,240 |
| Return on Equity (ROE) | 3.8696% | 3,986 |
| Retained earnings to average equity (ytd only) | -6.1627% | 4,596 |
| Net charge-offs to loans | -0.1112% | 4,840 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.2861% | 750 |
| Assets per employee ($millions) | 2.5437% | 4,945 |
| Cash dividends to net income (ytd only)* | 259.2593% | 196 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1074% | 3,165 |
| Loan loss allowance to noncurrent loans | 113.2231% | 3,054 |
| Noncurrent assets plus other real estate owned to assets | 0.4757% | 2,575 |
| Noncurrent loans to loans | 0.9781% | 1,685 |
| Net loans and leases to total assets | 48.0982% | 4,332 |
| Net loans and leases to deposits | 54.0477% | 4,442 |
| Net loans and leases to core deposits | 58.6913% | 4,410 |
| Total domestic deposits to total assets | 88.9922% | 666 |
| Equity capital to assets | 10.8879% | 2,958 |
| Core capital (leverage) ratio | 11.0157% | 2,472 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.8214% | 659 |
| Memoranda: | ||
| Average total assets | $50,220,500 | 4,709 |
| Average earning assets | $47,781,000 | 4,679 |
| Average equity | $5,582,000 | 4,774 |
| Average total loans | $25,175,000 | 4,693 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4413% | 4,893 |
| Cost of funding earning assets | 0.4388% | 4,314 |
| Net interest margin | 3.0025% | 4,509 |
| Noninterest income to average assets | 0.3467% | 3,631 |
| Noninterest expense to average assets | 2.6226% | 3,117 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.6046% | 4,145 |
| Return on assets (ROA) | 0.6046% | 4,205 |
| Pretax return on assets | 0.6046% | 4,404 |
| Return on Equity (ROE) | 5.2264% | 4,154 |
| Retained earnings to average equity (ytd only) | -0.1249% | 4,719 |
| Net charge-offs to loans | -0.0239% | 4,664 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.2660% | 850 |
| Assets per employee ($millions) | 2.4784% | 5,002 |
| Cash dividends to net income (ytd only)* | 102.3891% | 270 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0427% | 3,264 |
| Loan loss allowance to noncurrent loans | 110.3306% | 3,116 |
| Noncurrent assets plus other real estate owned to assets | 0.4882% | 2,458 |
| Noncurrent loans to loans | 0.9451% | 1,621 |
| Net loans and leases to total assets | 51.1217% | 4,275 |
| Net loans and leases to deposits | 57.7405% | 4,382 |
| Net loans and leases to core deposits | 63.0442% | 4,321 |
| Total domestic deposits to total assets | 88.5370% | 869 |
| Equity capital to assets | 11.3480% | 2,659 |
| Core capital (leverage) ratio | 11.6881% | 1,968 |
| Tier 1 risk-based capital ratio | 21.0927% | 1,148 |
| Total risk-based capital ratio | 22.0939% | 1,165 |
| Memoranda: | ||
| Average total assets | $48,462,800 | 4,776 |
| Average earning assets | $46,494,400 | 4,740 |
| Average equity | $5,606,200 | 4,810 |
| Average total loans | $25,063,000 | 4,746 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4770% | 4,972 |
| Cost of funding earning assets | 0.4346% | 4,385 |
| Net interest margin | 3.0424% | 4,571 |
| Noninterest income to average assets | 0.3431% | 3,673 |
| Noninterest expense to average assets | 2.6258% | 3,087 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.6419% | 4,175 |
| Return on assets (ROA) | 0.6419% | 4,227 |
| Pretax return on assets | 0.6419% | 4,462 |
| Return on Equity (ROE) | 5.5223% | 4,189 |
| Retained earnings to average equity (ytd only) | -1.6185% | 4,900 |
| Net charge-offs to loans | -0.0268% | 4,664 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.3556% | 891 |
| Assets per employee ($millions) | 2.3219% | 5,119 |
| Cash dividends to net income (ytd only)* | 129.3085% | 163 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0524% | 3,275 |
| Loan loss allowance to noncurrent loans | 604.5455% | 849 |
| Noncurrent assets plus other real estate owned to assets | 0.0948% | 4,238 |
| Noncurrent loans to loans | 0.1741% | 3,915 |
| Net loans and leases to total assets | 53.8579% | 4,193 |
| Net loans and leases to deposits | 61.2900% | 4,326 |
| Net loans and leases to core deposits | 66.2956% | 4,257 |
| Total domestic deposits to total assets | 87.8739% | 1,092 |
| Equity capital to assets | 11.9818% | 2,271 |
| Core capital (leverage) ratio | 11.9402% | 1,894 |
| Tier 1 risk-based capital ratio | 21.4611% | 1,134 |
| Total risk-based capital ratio | 22.4871% | 1,147 |
| Memoranda: | ||
| Average total assets | $48,186,500 | 4,849 |
| Average earning assets | $46,322,500 | 4,810 |
| Average equity | $5,601,500 | 4,876 |
| Average total loans | $24,927,000 | 4,819 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4537% | 5,040 |
| Cost of funding earning assets | 0.4136% | 4,454 |
| Net interest margin | 3.0401% | 4,617 |
| Noninterest income to average assets | 0.3281% | 3,749 |
| Noninterest expense to average assets | 2.5836% | 3,232 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.6684% | 4,105 |
| Return on assets (ROA) | 0.6684% | 4,156 |
| Pretax return on assets | 0.6684% | 4,405 |
| Return on Equity (ROE) | 5.8069% | 4,110 |
| Retained earnings to average equity (ytd only) | 0.4631% | 4,578 |
| Net charge-offs to loans | -0.0322% | 4,710 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.4451% | 1,019 |
| Assets per employee ($millions) | 2.3528% | 5,159 |
| Cash dividends to net income (ytd only)* | 92.0245% | 570 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0666% | 3,254 |
| Loan loss allowance to noncurrent loans | 323.1707% | 1,467 |
| Noncurrent assets plus other real estate owned to assets | 0.1743% | 3,888 |
| Noncurrent loans to loans | 0.3300% | 3,352 |
| Net loans and leases to total assets | 52.2367% | 4,338 |
| Net loans and leases to deposits | 59.4596% | 4,456 |
| Net loans and leases to core deposits | 64.0722% | 4,412 |
| Total domestic deposits to total assets | 87.8525% | 1,169 |
| Equity capital to assets | 11.9945% | 2,187 |
| Core capital (leverage) ratio | 11.5774% | 2,106 |
| Tier 1 risk-based capital ratio | 22.0710% | 1,045 |
| Total risk-based capital ratio | 23.1073% | 1,048 |
| Memoranda: | ||
| Average total assets | $48,769,670 | 4,875 |
| Average earning assets | $46,906,670 | 4,837 |
| Average equity | $5,614,000 | 4,900 |
| Average total loans | $24,810,670 | 4,862 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3743% | 5,134 |
| Cost of funding earning assets | 0.3758% | 4,586 |
| Net interest margin | 2.9984% | 4,754 |
| Noninterest income to average assets | 0.3224% | 3,707 |
| Noninterest expense to average assets | 2.5228% | 3,437 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.6932% | 3,960 |
| Return on assets (ROA) | 0.6932% | 3,999 |
| Pretax return on assets | 0.6932% | 4,315 |
| Return on Equity (ROE) | 6.1440% | 3,967 |
| Retained earnings to average equity (ytd only) | -4.5722% | 4,900 |
| Net charge-offs to loans | -0.0323% | 4,676 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.4461% | 1,218 |
| Assets per employee ($millions) | 2.4753% | 5,190 |
| Cash dividends to net income (ytd only)* | 174.4186% | 251 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0677% | 3,314 |
| Loan loss allowance to noncurrent loans | 313.0952% | 1,510 |
| Noncurrent assets plus other real estate owned to assets | 0.1697% | 3,974 |
| Noncurrent loans to loans | 0.3410% | 3,357 |
| Net loans and leases to total assets | 49.2243% | 4,512 |
| Net loans and leases to deposits | 55.5558% | 4,621 |
| Net loans and leases to core deposits | 59.7675% | 4,569 |
| Total domestic deposits to total assets | 88.6034% | 1,036 |
| Equity capital to assets | 11.2451% | 2,606 |
| Core capital (leverage) ratio | 11.0810% | 2,497 |
| Tier 1 risk-based capital ratio | 21.5667% | 1,100 |
| Total risk-based capital ratio | 22.5855% | 1,108 |
| Memoranda: | ||
| Average total assets | $49,627,000 | 4,904 |
| Average earning assets | $47,892,000 | 4,861 |
| Average equity | $5,599,000 | 4,944 |
| Average total loans | $24,793,500 | 4,909 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2734% | 5,101 |
| Cost of funding earning assets | 0.2430% | 4,833 |
| Net interest margin | 3.0305% | 4,765 |
| Noninterest income to average assets | 0.3504% | 3,761 |
| Noninterest expense to average assets | 2.6310% | 3,239 |
| Loan and lease loss provision to assets | 0.0525% | 3,134 |
| Net operating income to assets | 0.5979% | 4,427 |
| Return on assets (ROA) | 0.5979% | 4,433 |
| Pretax return on assets | 0.5979% | 4,634 |
| Return on Equity (ROE) | 5.1314% | 4,426 |
| Retained earnings to average equity (ytd only) | 2.9708% | 3,914 |
| Net charge-offs to loans | 0.0356% | 2,693 |
| Credit loss provision to net charge-offs | 277.7778% | 1,092 |
| Earnings coverage of net charge-offs (x) | 34.4444% | 1,462 |
| Efficiency ratio | 80.1790% | 947 |
| Assets per employee ($millions) | 2.4874% | 5,215 |
| Cash dividends to net income (ytd only)* | 42.1053% | 2,409 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0459% | 3,412 |
| Loan loss allowance to noncurrent loans | 555.3191% | 1,003 |
| Noncurrent assets plus other real estate owned to assets | 0.0945% | 4,352 |
| Noncurrent loans to loans | 0.1883% | 3,897 |
| Net loans and leases to total assets | 49.6382% | 4,544 |
| Net loans and leases to deposits | 56.0412% | 4,665 |
| Net loans and leases to core deposits | 56.6714% | 4,755 |
| Total domestic deposits to total assets | 88.5744% | 1,038 |
| Equity capital to assets | 11.3190% | 2,396 |
| Core capital (leverage) ratio | 11.5458% | 2,066 |
| Tier 1 risk-based capital ratio | 21.8197% | 1,053 |
| Total risk-based capital ratio | 22.8310% | 1,063 |
| Memoranda: | ||
| Average total assets | $47,663,200 | 4,982 |
| Average earning assets | $46,098,400 | 4,935 |
| Average equity | $5,554,000 | 4,962 |
| Average total loans | $25,299,200 | 4,926 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2588% | 5,163 |
| Cost of funding earning assets | 0.2311% | 4,884 |
| Net interest margin | 3.0277% | 4,809 |
| Noninterest income to average assets | 0.3649% | 3,686 |
| Noninterest expense to average assets | 2.6501% | 3,121 |
| Loan and lease loss provision to assets | 0.0537% | 2,896 |
| Net operating income to assets | 0.5883% | 4,532 |
| Return on assets (ROA) | 0.5883% | 4,541 |
| Pretax return on assets | 0.5883% | 4,753 |
| Return on Equity (ROE) | 5.0107% | 4,557 |
| Retained earnings to average equity (ytd only) | 2.1199% | 4,533 |
| Net charge-offs to loans | 0.0052% | 3,249 |
| Credit loss provision to net charge-offs | 1,900.0000% | 221 |
| Earnings coverage of net charge-offs (x) | 227.5639% | 403 |
| Efficiency ratio | 80.4983% | 902 |
| Assets per employee ($millions) | 2.3331% | 5,327 |
| Cash dividends to net income (ytd only)* | 57.6930% | 1,301 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0432% | 3,513 |
| Loan loss allowance to noncurrent loans | 751.4286% | 758 |
| Noncurrent assets plus other real estate owned to assets | 0.0750% | 4,596 |
| Noncurrent loans to loans | 0.1388% | 4,261 |
| Net loans and leases to total assets | 53.4653% | 4,396 |
| Net loans and leases to deposits | 60.7865% | 4,511 |
| Net loans and leases to core deposits | 61.5210% | 4,635 |
| Total domestic deposits to total assets | 87.9559% | 1,254 |
| Equity capital to assets | 11.9048% | 1,967 |
| Core capital (leverage) ratio | 11.8648% | 1,865 |
| Tier 1 risk-based capital ratio | 21.7136% | 1,086 |
| Total risk-based capital ratio | 22.7417% | 1,098 |
| Memoranda: | ||
| Average total assets | $47,142,000 | 5,046 |
| Average earning assets | $45,577,750 | 4,992 |
| Average equity | $5,534,750 | 5,021 |
| Average total loans | $25,385,250 | 4,983 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1999% | 5,230 |
| Cost of funding earning assets | 0.2270% | 4,878 |
| Net interest margin | 2.9729% | 4,913 |
| Noninterest income to average assets | 0.3467% | 3,853 |
| Noninterest expense to average assets | 2.6299% | 3,220 |
| Loan and lease loss provision to assets | 0.0550% | 2,805 |
| Net operating income to assets | 0.5412% | 4,646 |
| Return on assets (ROA) | 0.5412% | 4,652 |
| Pretax return on assets | 0.5412% | 4,831 |
| Return on Equity (ROE) | 4.6310% | 4,655 |
| Retained earnings to average equity (ytd only) | 4.6310% | 3,271 |
| Net charge-offs to loans | 0.0079% | 2,849 |
| Credit loss provision to net charge-offs | 1,300.0000% | 321 |
| Earnings coverage of net charge-offs (x) | 141.0000% | 542 |
| Efficiency ratio | 81.5203% | 871 |
| Assets per employee ($millions) | 2.3318% | 5,378 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0217% | 3,706 |
| Loan loss allowance to noncurrent loans | 713.8889% | 815 |
| Noncurrent assets plus other real estate owned to assets | 0.0772% | 4,624 |
| Noncurrent loans to loans | 0.1431% | 4,255 |
| Net loans and leases to total assets | 53.3848% | 4,387 |
| Net loans and leases to deposits | 60.7338% | 4,491 |
| Net loans and leases to core deposits | 61.4671% | 4,633 |
| Total domestic deposits to total assets | 87.8996% | 1,434 |
| Equity capital to assets | 11.9953% | 1,859 |
| Core capital (leverage) ratio | 11.7650% | 1,859 |
| Tier 1 risk-based capital ratio | 20.4198% | 1,256 |
| Total risk-based capital ratio | 21.3579% | 1,273 |
| Memoranda: | ||
| Average total assets | $47,302,000 | 5,103 |
| Average earning assets | $45,814,000 | 5,048 |
| Average equity | $5,528,000 | 5,074 |
| Average total loans | $25,443,330 | 5,040 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1226% | 5,296 |
| Cost of funding earning assets | 0.2255% | 4,861 |
| Net interest margin | 2.8971% | 5,033 |
| Noninterest income to average assets | 0.2939% | 4,197 |
| Noninterest expense to average assets | 2.5779% | 3,403 |
| Loan and lease loss provision to assets | 0.0504% | 2,770 |
| Net operating income to assets | 0.4702% | 4,767 |
| Return on assets (ROA) | 0.4702% | 4,768 |
| Pretax return on assets | 0.4702% | 4,919 |
| Return on Equity (ROE) | 4.0764% | 4,752 |
| Retained earnings to average equity (ytd only) | 4.0764% | 3,571 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.1978% | 851 |
| Assets per employee ($millions) | 2.4167% | 5,414 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9967% | 3,986 |
| Loan loss allowance to noncurrent loans | 660.5263% | 855 |
| Noncurrent assets plus other real estate owned to assets | 0.1014% | 4,579 |
| Noncurrent loans to loans | 0.1509% | 4,304 |
| Net loans and leases to total assets | 51.5827% | 4,465 |
| Net loans and leases to deposits | 58.3164% | 4,570 |
| Net loans and leases to core deposits | 58.9897% | 4,701 |
| Total domestic deposits to total assets | 88.4533% | 1,377 |
| Equity capital to assets | 11.4267% | 2,196 |
| Core capital (leverage) ratio | 11.3518% | 2,120 |
| Tier 1 risk-based capital ratio | 19.8071% | 1,379 |
| Total risk-based capital ratio | 20.7072% | 1,411 |
| Memoranda: | ||
| Average total assets | $47,635,500 | 5,151 |
| Average earning assets | $46,115,000 | 5,097 |
| Average equity | $5,495,000 | 5,137 |
| Average total loans | $25,588,500 | 5,087 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0801% | 5,308 |
| Cost of funding earning assets | 0.2219% | 4,776 |
| Net interest margin | 2.8582% | 5,096 |
| Noninterest income to average assets | 0.2880% | 4,404 |
| Noninterest expense to average assets | 2.5986% | 3,448 |
| Loan and lease loss provision to assets | 0.0294% | 3,685 |
| Net operating income to assets | 0.3953% | 4,712 |
| Return on assets (ROA) | 0.3953% | 4,724 |
| Pretax return on assets | 0.3953% | 5,094 |
| Return on Equity (ROE) | 3.4640% | 4,697 |
| Retained earnings to average equity (ytd only) | 1.6215% | 4,333 |
| Net charge-offs to loans | 0.0203% | 3,430 |
| Credit loss provision to net charge-offs | 280.0000% | 1,003 |
| Earnings coverage of net charge-offs (x) | 40.4000% | 1,257 |
| Efficiency ratio | 85.9527% | 647 |
| Assets per employee ($millions) | 2.3469% | 5,505 |
| Cash dividends to net income (ytd only)* | 53.1915% | 2,111 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9425% | 4,256 |
| Loan loss allowance to noncurrent loans | 628.2051% | 915 |
| Noncurrent assets plus other real estate owned to assets | 0.1065% | 4,600 |
| Noncurrent loans to loans | 0.1500% | 4,325 |
| Net loans and leases to total assets | 54.8586% | 4,281 |
| Net loans and leases to deposits | 62.1731% | 4,435 |
| Net loans and leases to core deposits | 62.9145% | 4,603 |
| Total domestic deposits to total assets | 88.2353% | 1,383 |
| Equity capital to assets | 11.6475% | 2,077 |
| Core capital (leverage) ratio | 11.5445% | 1,916 |
| Tier 1 risk-based capital ratio | 19.5557% | 1,404 |
| Total risk-based capital ratio | 20.4321% | 1,445 |
| Memoranda: | ||
| Average total assets | $47,564,600 | 5,201 |
| Average earning assets | $45,518,000 | 5,159 |
| Average equity | $5,427,200 | 5,196 |
| Average total loans | $24,689,800 | 5,169 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0514% | 5,380 |
| Cost of funding earning assets | 0.2196% | 4,815 |
| Net interest margin | 2.8318% | 5,175 |
| Noninterest income to average assets | 0.2989% | 4,392 |
| Noninterest expense to average assets | 2.5983% | 3,413 |
| Loan and lease loss provision to assets | 0.0224% | 3,699 |
| Net operating income to assets | 0.3800% | 5,039 |
| Return on assets (ROA) | 0.3800% | 5,064 |
| Pretax return on assets | 0.3800% | 5,218 |
| Return on Equity (ROE) | 3.3473% | 5,027 |
| Retained earnings to average equity (ytd only) | 0.8861% | 5,007 |
| Net charge-offs to loans | 0.0274% | 2,895 |
| Credit loss provision to net charge-offs | 160.0000% | 1,602 |
| Earnings coverage of net charge-offs (x) | 28.7856% | 1,598 |
| Efficiency ratio | 86.5922% | 595 |
| Assets per employee ($millions) | 2.2870% | 5,581 |
| Cash dividends to net income (ytd only)* | 73.5289% | 840 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9103% | 4,525 |
| Loan loss allowance to noncurrent loans | 385.4839% | 1,311 |
| Noncurrent assets plus other real estate owned to assets | 0.1356% | 4,570 |
| Noncurrent loans to loans | 0.2361% | 4,111 |
| Net loans and leases to total assets | 56.8792% | 4,161 |
| Net loans and leases to deposits | 64.6119% | 4,345 |
| Net loans and leases to core deposits | 65.4030% | 4,522 |
| Total domestic deposits to total assets | 88.0321% | 1,346 |
| Equity capital to assets | 11.8389% | 2,083 |
| Core capital (leverage) ratio | 11.7342% | 1,863 |
| Tier 1 risk-based capital ratio | 19.4707% | 1,489 |
| Total risk-based capital ratio | 20.3301% | 1,524 |
| Memoranda: | ||
| Average total assets | $47,721,500 | 5,256 |
| Average earning assets | $45,529,500 | 5,218 |
| Average equity | $5,417,250 | 5,257 |
| Average total loans | $24,363,750 | 5,232 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9575% | 5,464 |
| Cost of funding earning assets | 0.2215% | 4,789 |
| Net interest margin | 2.7361% | 5,325 |
| Noninterest income to average assets | 0.2976% | 4,408 |
| Noninterest expense to average assets | 2.5340% | 3,633 |
| Loan and lease loss provision to assets | 0.0083% | 3,761 |
| Net operating income to assets | 0.3596% | 5,068 |
| Return on assets (ROA) | 0.3596% | 5,094 |
| Pretax return on assets | 0.3596% | 5,255 |
| Return on Equity (ROE) | 3.2115% | 5,062 |
| Retained earnings to average equity (ytd only) | 3.2115% | 3,805 |
| Net charge-offs to loans | 0.0506% | 2,206 |
| Credit loss provision to net charge-offs | 33.3333% | 2,701 |
| Earnings coverage of net charge-offs (x) | 14.8333% | 2,049 |
| Efficiency ratio | 87.3219% | 591 |
| Assets per employee ($millions) | 2.3524% | 5,608 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9398% | 4,470 |
| Loan loss allowance to noncurrent loans | 368.2540% | 1,334 |
| Noncurrent assets plus other real estate owned to assets | 0.1764% | 4,479 |
| Noncurrent loans to loans | 0.2552% | 4,127 |
| Net loans and leases to total assets | 51.9757% | 4,570 |
| Net loans and leases to deposits | 58.8874% | 4,707 |
| Net loans and leases to core deposits | 59.5862% | 4,838 |
| Total domestic deposits to total assets | 88.2628% | 1,323 |
| Equity capital to assets | 11.6182% | 2,217 |
| Core capital (leverage) ratio | 11.3804% | 2,066 |
| Tier 1 risk-based capital ratio | 20.3106% | 1,301 |
| Total risk-based capital ratio | 21.1727% | 1,347 |
| Memoranda: | ||
| Average total assets | $48,382,330 | 5,284 |
| Average earning assets | $46,051,670 | 5,235 |
| Average equity | $5,418,000 | 5,288 |
| Average total loans | $23,733,330 | 5,294 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8106% | 5,595 |
| Cost of funding earning assets | 0.2221% | 4,782 |
| Net interest margin | 2.5884% | 5,478 |
| Noninterest income to average assets | 0.2936% | 4,457 |
| Noninterest expense to average assets | 2.5199% | 3,744 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.2446% | 5,314 |
| Return on assets (ROA) | 0.2446% | 5,329 |
| Pretax return on assets | 0.2446% | 5,382 |
| Return on Equity (ROE) | 2.2247% | 5,301 |
| Retained earnings to average equity (ytd only) | 2.2247% | 4,256 |
| Net charge-offs to loans | 0.1032% | 1,344 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 5.0000% | 2,325 |
| Efficiency ratio | 91.1504% | 498 |
| Assets per employee ($millions) | 2.4721% | 5,631 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9599% | 4,494 |
| Loan loss allowance to noncurrent loans | 212.9630% | 2,144 |
| Noncurrent assets plus other real estate owned to assets | 0.2589% | 4,174 |
| Noncurrent loans to loans | 0.4507% | 3,480 |
| Net loans and leases to total assets | 47.9977% | 4,824 |
| Net loans and leases to deposits | 53.9697% | 4,937 |
| Net loans and leases to core deposits | 55.0003% | 5,025 |
| Total domestic deposits to total assets | 88.9345% | 1,172 |
| Equity capital to assets | 10.9401% | 2,699 |
| Core capital (leverage) ratio | 10.8477% | 2,543 |
| Tier 1 risk-based capital ratio | 20.3193% | 1,329 |
| Total risk-based capital ratio | 21.1833% | 1,378 |
| Memoranda: | ||
| Average total assets | $49,050,000 | 5,330 |
| Average earning assets | $46,823,500 | 5,277 |
| Average equity | $5,394,000 | 5,343 |
| Average total loans | $23,257,500 | 5,363 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7946% | 5,647 |
| Cost of funding earning assets | 0.2387% | 4,667 |
| Net interest margin | 2.5559% | 5,553 |
| Noninterest income to average assets | 0.3745% | 4,065 |
| Noninterest expense to average assets | 2.6385% | 3,560 |
| Loan and lease loss provision to assets | 0.0167% | 4,044 |
| Net operating income to assets | 0.1611% | 5,474 |
| Return on assets (ROA) | 0.1611% | 5,515 |
| Pretax return on assets | 0.1611% | 5,531 |
| Return on Equity (ROE) | 1.4337% | 5,499 |
| Retained earnings to average equity (ytd only) | -0.4283% | 5,368 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.6850% | 391 |
| Assets per employee ($millions) | 2.4329% | 5,691 |
| Cash dividends to net income (ytd only)* | 129.8701% | 203 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0464% | 4,030 |
| Loan loss allowance to noncurrent loans | 357.5758% | 1,401 |
| Noncurrent assets plus other real estate owned to assets | 0.1767% | 4,612 |
| Noncurrent loans to loans | 0.2926% | 4,100 |
| Net loans and leases to total assets | 45.8671% | 5,024 |
| Net loans and leases to deposits | 51.6369% | 5,139 |
| Net loans and leases to core deposits | 52.6380% | 5,194 |
| Total domestic deposits to total assets | 88.8261% | 1,195 |
| Equity capital to assets | 11.0547% | 2,587 |
| Core capital (leverage) ratio | 11.2123% | 2,162 |
| Tier 1 risk-based capital ratio | 21.2056% | 1,174 |
| Total risk-based capital ratio | 22.1359% | 1,209 |
| Memoranda: | ||
| Average total assets | $47,792,800 | 5,391 |
| Average earning assets | $45,659,800 | 5,341 |
| Average equity | $5,370,600 | 5,397 |
| Average total loans | $21,237,800 | 5,478 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7868% | 5,722 |
| Cost of funding earning assets | 0.2400% | 4,700 |
| Net interest margin | 2.5467% | 5,628 |
| Noninterest income to average assets | 0.3811% | 4,059 |
| Noninterest expense to average assets | 2.6735% | 3,416 |
| Loan and lease loss provision to assets | 0.0224% | 3,795 |
| Net operating income to assets | 0.1233% | 5,597 |
| Return on assets (ROA) | 0.1233% | 5,649 |
| Pretax return on assets | 0.1233% | 5,650 |
| Return on Equity (ROE) | 1.0929% | 5,634 |
| Retained earnings to average equity (ytd only) | -1.3907% | 5,540 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.8310% | 357 |
| Assets per employee ($millions) | 2.3488% | 5,792 |
| Cash dividends to net income (ytd only)* | 227.2541% | 66 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0864% | 3,908 |
| Loan loss allowance to noncurrent loans | 437.0370% | 1,188 |
| Noncurrent assets plus other real estate owned to assets | 0.1597% | 4,794 |
| Noncurrent loans to loans | 0.2486% | 4,376 |
| Net loans and leases to total assets | 45.7435% | 5,107 |
| Net loans and leases to deposits | 51.8233% | 5,211 |
| Net loans and leases to core deposits | 52.8701% | 5,271 |
| Total domestic deposits to total assets | 88.2682% | 1,253 |
| Equity capital to assets | 11.3805% | 2,621 |
| Core capital (leverage) ratio | 11.3145% | 2,181 |
| Tier 1 risk-based capital ratio | 21.2691% | 1,225 |
| Total risk-based capital ratio | 22.2081% | 1,261 |
| Memoranda: | ||
| Average total assets | $47,576,500 | 5,446 |
| Average earning assets | $45,547,500 | 5,400 |
| Average equity | $5,368,500 | 5,453 |
| Average total loans | $20,908,750 | 5,543 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7548% | 5,823 |
| Cost of funding earning assets | 0.2409% | 4,748 |
| Net interest margin | 2.5139% | 5,732 |
| Noninterest income to average assets | 0.3516% | 4,262 |
| Noninterest expense to average assets | 2.6289% | 3,617 |
| Loan and lease loss provision to assets | 0.0335% | 3,481 |
| Net operating income to assets | 0.0921% | 5,673 |
| Return on assets (ROA) | 0.0921% | 5,720 |
| Pretax return on assets | 0.0921% | 5,733 |
| Return on Equity (ROE) | 0.8185% | 5,709 |
| Retained earnings to average equity (ytd only) | -2.9018% | 5,622 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.4407% | 366 |
| Assets per employee ($millions) | 2.3689% | 5,842 |
| Cash dividends to net income (ytd only)* | 454.5455% | 29 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1089% | 3,898 |
| Loan loss allowance to noncurrent loans | 188.8000% | 2,397 |
| Noncurrent assets plus other real estate owned to assets | 0.2638% | 4,445 |
| Noncurrent loans to loans | 0.5874% | 3,306 |
| Net loans and leases to total assets | 44.4224% | 5,204 |
| Net loans and leases to deposits | 50.1310% | 5,329 |
| Net loans and leases to core deposits | 51.1297% | 5,395 |
| Total domestic deposits to total assets | 88.6126% | 1,109 |
| Equity capital to assets | 11.2375% | 2,810 |
| Core capital (leverage) ratio | 11.2221% | 2,212 |
| Tier 1 risk-based capital ratio | 21.7359% | 1,164 |
| Total risk-based capital ratio | 22.6994% | 1,182 |
| Memoranda: | ||
| Average total assets | $47,777,000 | 5,506 |
| Average earning assets | $45,666,330 | 5,455 |
| Average equity | $5,376,000 | 5,506 |
| Average total loans | $20,637,000 | 5,615 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7276% | 5,894 |
| Cost of funding earning assets | 0.2345% | 4,861 |
| Net interest margin | 2.4931% | 5,811 |
| Noninterest income to average assets | 0.3585% | 4,156 |
| Noninterest expense to average assets | 2.6846% | 3,476 |
| Loan and lease loss provision to assets | 0.0667% | 2,630 |
| Net operating income to assets | 0.0000% | 5,785 |
| Return on assets (ROA) | 0.0000% | 5,814 |
| Pretax return on assets | 0.0000% | 5,810 |
| Return on Equity (ROE) | 0.0000% | 5,815 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,105 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.5758% | 354 |
| Assets per employee ($millions) | 2.3601% | 5,910 |
| Cash dividends to net income (ytd only)* | NA | NA |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1679% | 3,677 |
| Loan loss allowance to noncurrent loans | 238.3838% | 1,947 |
| Noncurrent assets plus other real estate owned to assets | 0.2097% | 4,715 |
| Noncurrent loans to loans | 0.4899% | 3,710 |
| Net loans and leases to total assets | 42.3105% | 5,335 |
| Net loans and leases to deposits | 47.8508% | 5,423 |
| Net loans and leases to core deposits | 48.8086% | 5,484 |
| Total domestic deposits to total assets | 88.4219% | 1,393 |
| Equity capital to assets | 11.4447% | 2,489 |
| Core capital (leverage) ratio | 11.0502% | 2,358 |
| Tier 1 risk-based capital ratio | 22.5384% | 1,086 |
| Total risk-based capital ratio | 23.5230% | 1,105 |
| Memoranda: | ||
| Average total assets | $47,977,000 | 5,551 |
| Average earning assets | $46,047,500 | 5,490 |
| Average equity | $5,402,000 | 5,528 |
| Average total loans | $20,314,500 | 5,674 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9061% | 5,806 |
| Cost of funding earning assets | 0.2712% | 4,570 |
| Net interest margin | 2.6350% | 5,724 |
| Noninterest income to average assets | 0.4276% | 3,832 |
| Noninterest expense to average assets | 2.6615% | 3,727 |
| Loan and lease loss provision to assets | 0.0346% | 3,656 |
| Net operating income to assets | 0.2444% | 5,496 |
| Return on assets (ROA) | 0.2444% | 5,564 |
| Pretax return on assets | 0.2444% | 5,621 |
| Return on Equity (ROE) | 2.2444% | 5,512 |
| Retained earnings to average equity (ytd only) | 1.6833% | 4,769 |
| Net charge-offs to loans | 0.0090% | 4,139 |
| Credit loss provision to net charge-offs | 850.0000% | 405 |
| Earnings coverage of net charge-offs (x) | 68.5000% | 782 |
| Efficiency ratio | 90.5125% | 659 |
| Assets per employee ($millions) | 2.4377% | 5,920 |
| Cash dividends to net income (ytd only)* | 25.0000% | 3,569 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1164% | 3,956 |
| Loan loss allowance to noncurrent loans | 393.1034% | 1,282 |
| Noncurrent assets plus other real estate owned to assets | 0.1190% | 5,118 |
| Noncurrent loans to loans | 0.2840% | 4,446 |
| Net loans and leases to total assets | 41.4210% | 5,443 |
| Net loans and leases to deposits | 46.6299% | 5,537 |
| Net loans and leases to core deposits | 47.5265% | 5,586 |
| Total domestic deposits to total assets | 88.8294% | 1,208 |
| Equity capital to assets | 11.0803% | 2,742 |
| Core capital (leverage) ratio | 10.9623% | 2,443 |
| Tier 1 risk-based capital ratio | 22.9921% | 1,013 |
| Total risk-based capital ratio | 23.9625% | 1,038 |
| Memoranda: | ||
| Average total assets | $49,108,200 | 5,563 |
| Average earning assets | $46,831,800 | 5,502 |
| Average equity | $5,346,600 | 5,573 |
| Average total loans | $22,219,600 | 5,645 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9364% | 5,865 |
| Cost of funding earning assets | 0.2765% | 4,596 |
| Net interest margin | 2.6598% | 5,772 |
| Noninterest income to average assets | 0.4336% | 3,842 |
| Noninterest expense to average assets | 2.6884% | 3,602 |
| Loan and lease loss provision to assets | 0.0352% | 3,519 |
| Net operating income to assets | 0.2385% | 5,593 |
| Return on assets (ROA) | 0.2385% | 5,670 |
| Pretax return on assets | 0.2385% | 5,736 |
| Return on Equity (ROE) | 2.2002% | 5,626 |
| Retained earnings to average equity (ytd only) | 1.4501% | 5,139 |
| Net charge-offs to loans | 0.0118% | 3,760 |
| Credit loss provision to net charge-offs | 650.0000% | 523 |
| Earnings coverage of net charge-offs (x) | 50.4345% | 1,042 |
| Efficiency ratio | 90.7594% | 647 |
| Assets per employee ($millions) | 2.4276% | 5,989 |
| Cash dividends to net income (ytd only)* | 34.0919% | 2,616 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0092% | 4,699 |
| Loan loss allowance to noncurrent loans | 172.3077% | 2,548 |
| Noncurrent assets plus other real estate owned to assets | 0.3769% | 4,262 |
| Noncurrent loans to loans | 0.5857% | 3,574 |
| Net loans and leases to total assets | 45.2546% | 5,275 |
| Net loans and leases to deposits | 50.9768% | 5,422 |
| Net loans and leases to core deposits | 51.9592% | 5,501 |
| Total domestic deposits to total assets | 88.7749% | 1,136 |
| Equity capital to assets | 11.0603% | 2,950 |
| Core capital (leverage) ratio | 10.9418% | 2,556 |
| Tier 1 risk-based capital ratio | 20.9536% | 1,347 |
| Total risk-based capital ratio | 21.8277% | 1,387 |
| Memoranda: | ||
| Average total assets | $49,197,000 | 5,632 |
| Average earning assets | $46,768,500 | 5,576 |
| Average equity | $5,332,750 | 5,647 |
| Average total loans | $22,669,000 | 5,701 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9204% | 5,923 |
| Cost of funding earning assets | 0.2751% | 4,666 |
| Net interest margin | 2.6453% | 5,830 |
| Noninterest income to average assets | 0.4290% | 3,863 |
| Noninterest expense to average assets | 2.6512% | 3,742 |
| Loan and lease loss provision to assets | 0.0364% | 3,395 |
| Net operating income to assets | 0.2712% | 5,528 |
| Return on assets (ROA) | 0.2712% | 5,613 |
| Pretax return on assets | 0.2712% | 5,705 |
| Return on Equity (ROE) | 2.5186% | 5,553 |
| Retained earnings to average equity (ytd only) | 1.3909% | 4,994 |
| Net charge-offs to loans | 0.0175% | 3,353 |
| Credit loss provision to net charge-offs | 450.0000% | 678 |
| Earnings coverage of net charge-offs (x) | 38.0000% | 1,171 |
| Efficiency ratio | 89.6033% | 786 |
| Assets per employee ($millions) | 2.4282% | 6,067 |
| Cash dividends to net income (ytd only)* | 44.7761% | 2,178 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9646% | 5,032 |
| Loan loss allowance to noncurrent loans | 488.8889% | 1,049 |
| Noncurrent assets plus other real estate owned to assets | 0.2553% | 4,851 |
| Noncurrent loans to loans | 0.1973% | 4,987 |
| Net loans and leases to total assets | 46.5128% | 5,211 |
| Net loans and leases to deposits | 52.3743% | 5,360 |
| Net loans and leases to core deposits | 53.7784% | 5,437 |
| Total domestic deposits to total assets | 88.8084% | 1,244 |
| Equity capital to assets | 11.0146% | 2,868 |
| Core capital (leverage) ratio | 10.8578% | 2,561 |
| Tier 1 risk-based capital ratio | 19.9322% | 1,564 |
| Total risk-based capital ratio | 20.7520% | 1,634 |
| Memoranda: | ||
| Average total assets | $49,412,000 | 5,681 |
| Average earning assets | $47,253,670 | 5,627 |
| Average equity | $5,320,330 | 5,699 |
| Average total loans | $22,826,670 | 5,748 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8841% | 6,007 |
| Cost of funding earning assets | 0.2683% | 4,814 |
| Net interest margin | 2.6158% | 5,903 |
| Noninterest income to average assets | 0.4013% | 3,994 |
| Noninterest expense to average assets | 2.7209% | 3,515 |
| Loan and lease loss provision to assets | 0.0401% | 3,108 |
| Net operating income to assets | 0.1445% | 5,802 |
| Return on assets (ROA) | 0.1445% | 5,874 |
| Pretax return on assets | 0.1445% | 5,905 |
| Return on Equity (ROE) | 1.3570% | 5,839 |
| Retained earnings to average equity (ytd only) | -0.9046% | 5,539 |
| Net charge-offs to loans | 0.0175% | 2,814 |
| Credit loss provision to net charge-offs | 500.0000% | 534 |
| Earnings coverage of net charge-offs (x) | 23.0000% | 1,335 |
| Efficiency ratio | 93.6464% | 610 |
| Assets per employee ($millions) | 2.5557% | 6,071 |
| Cash dividends to net income (ytd only)* | 166.6667% | 312 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9694% | 5,171 |
| Loan loss allowance to noncurrent loans | 482.2222% | 1,037 |
| Noncurrent assets plus other real estate owned to assets | 0.2426% | 4,969 |
| Noncurrent loans to loans | 0.2010% | 5,055 |
| Net loans and leases to total assets | 43.3717% | 5,397 |
| Net loans and leases to deposits | 48.4685% | 5,547 |
| Net loans and leases to core deposits | 49.6896% | 5,604 |
| Total domestic deposits to total assets | 89.4843% | 999 |
| Equity capital to assets | 10.3690% | 3,690 |
| Core capital (leverage) ratio | 10.2604% | 3,268 |
| Tier 1 risk-based capital ratio | 19.6529% | 1,698 |
| Total risk-based capital ratio | 20.4576% | 1,772 |
| Memoranda: | ||
| Average total assets | $49,836,500 | 5,724 |
| Average earning assets | $47,710,000 | 5,665 |
| Average equity | $5,306,000 | 5,760 |
| Average total loans | $22,836,000 | 5,796 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9011% | 6,136 |
| Cost of funding earning assets | 0.3005% | 4,794 |
| Net interest margin | 2.6005% | 6,072 |
| Noninterest income to average assets | 0.4719% | 3,695 |
| Noninterest expense to average assets | 2.7029% | 3,856 |
| Loan and lease loss provision to assets | 0.0542% | 3,471 |
| Net operating income to assets | 0.2169% | 5,735 |
| Return on assets (ROA) | 0.2169% | 5,794 |
| Pretax return on assets | 0.2169% | 5,845 |
| Return on Equity (ROE) | 2.0408% | 5,753 |
| Retained earnings to average equity (ytd only) | 0.4346% | 5,576 |
| Net charge-offs to loans | 0.0759% | 3,406 |
| Credit loss provision to net charge-offs | 158.8235% | 1,523 |
| Earnings coverage of net charge-offs (x) | 7.9412% | 2,954 |
| Efficiency ratio | 90.8845% | 792 |
| Assets per employee ($millions) | 2.4280% | 6,199 |
| Cash dividends to net income (ytd only)* | 78.7037% | 954 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9147% | 5,426 |
| Loan loss allowance to noncurrent loans | 75.2650% | 4,352 |
| Noncurrent assets plus other real estate owned to assets | 0.7784% | 3,262 |
| Noncurrent loans to loans | 1.2153% | 2,417 |
| Net loans and leases to total assets | 47.5154% | 5,198 |
| Net loans and leases to deposits | 53.9051% | 5,338 |
| Net loans and leases to core deposits | 55.6888% | 5,404 |
| Total domestic deposits to total assets | 88.1464% | 1,687 |
| Equity capital to assets | 10.9393% | 2,963 |
| Core capital (leverage) ratio | 10.6191% | 2,812 |
| Tier 1 risk-based capital ratio | 20.2532% | 1,547 |
| Total risk-based capital ratio | 21.0653% | 1,608 |
| Memoranda: | ||
| Average total assets | $49,798,000 | 5,791 |
| Average earning assets | $47,913,000 | 5,724 |
| Average equity | $5,292,000 | 5,794 |
| Average total loans | $22,411,800 | 5,877 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8768% | 6,226 |
| Cost of funding earning assets | 0.3046% | 4,845 |
| Net interest margin | 2.5722% | 6,159 |
| Noninterest income to average assets | 0.4736% | 3,722 |
| Noninterest expense to average assets | 2.6848% | 3,876 |
| Loan and lease loss provision to assets | 0.0133% | 4,152 |
| Net operating income to assets | 0.2475% | 5,739 |
| Return on assets (ROA) | 0.2475% | 5,801 |
| Pretax return on assets | 0.2475% | 5,872 |
| Return on Equity (ROE) | 2.3454% | 5,749 |
| Retained earnings to average equity (ytd only) | 0.2018% | 5,742 |
| Net charge-offs to loans | -0.0060% | 5,330 |
| Credit loss provision to net charge-offs | -500.0000% | 5,741 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.1472% | 763 |
| Assets per employee ($millions) | 2.4785% | 6,239 |
| Cash dividends to net income (ytd only)* | 91.3952% | 497 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9206% | 5,533 |
| Loan loss allowance to noncurrent loans | 137.5000% | 2,922 |
| Noncurrent assets plus other real estate owned to assets | 0.4983% | 4,390 |
| Noncurrent loans to loans | 0.6695% | 3,934 |
| Net loans and leases to total assets | 45.3772% | 5,423 |
| Net loans and leases to deposits | 51.6962% | 5,549 |
| Net loans and leases to core deposits | 54.0814% | 5,559 |
| Total domestic deposits to total assets | 87.7766% | 1,881 |
| Equity capital to assets | 10.6861% | 3,323 |
| Core capital (leverage) ratio | 10.4945% | 3,048 |
| Tier 1 risk-based capital ratio | 20.4929% | 1,554 |
| Total risk-based capital ratio | 21.3015% | 1,629 |
| Memoranda: | ||
| Average total assets | $50,107,750 | 5,850 |
| Average earning assets | $48,154,250 | 5,785 |
| Average equity | $5,287,000 | 5,851 |
| Average total loans | $22,193,250 | 5,942 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8115% | 6,332 |
| Cost of funding earning assets | 0.3106% | 4,868 |
| Net interest margin | 2.5010% | 6,277 |
| Noninterest income to average assets | 0.4216% | 4,080 |
| Noninterest expense to average assets | 2.6329% | 4,122 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.1909% | 5,860 |
| Return on assets (ROA) | 0.1909% | 5,911 |
| Pretax return on assets | 0.1909% | 5,962 |
| Return on Equity (ROE) | 1.8169% | 5,885 |
| Retained earnings to average equity (ytd only) | 0.3028% | 5,605 |
| Net charge-offs to loans | -0.0182% | 5,506 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.2394% | 682 |
| Assets per employee ($millions) | 2.5374% | 6,266 |
| Cash dividends to net income (ytd only)* | 83.3333% | 824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9310% | 5,628 |
| Loan loss allowance to noncurrent loans | 213.5417% | 2,007 |
| Noncurrent assets plus other real estate owned to assets | 0.3764% | 4,897 |
| Noncurrent loans to loans | 0.4360% | 4,681 |
| Net loans and leases to total assets | 42.9858% | 5,607 |
| Net loans and leases to deposits | 48.4917% | 5,744 |
| Net loans and leases to core deposits | 50.6501% | 5,756 |
| Total domestic deposits to total assets | 88.6456% | 1,568 |
| Equity capital to assets | 10.4400% | 3,514 |
| Core capital (leverage) ratio | 10.4450% | 3,020 |
| Tier 1 risk-based capital ratio | 20.8624% | 1,473 |
| Total risk-based capital ratio | 21.6696% | 1,555 |
| Memoranda: | ||
| Average total assets | $50,287,330 | 5,896 |
| Average earning assets | $48,301,000 | 5,833 |
| Average equity | $5,283,670 | 5,892 |
| Average total loans | $22,023,670 | 5,987 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7634% | 6,421 |
| Cost of funding earning assets | 0.3144% | 4,927 |
| Net interest margin | 2.4490% | 6,376 |
| Noninterest income to average assets | 0.3276% | 4,748 |
| Noninterest expense to average assets | 2.5730% | 4,367 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.1199% | 5,984 |
| Return on assets (ROA) | 0.1199% | 6,017 |
| Pretax return on assets | 0.1199% | 6,041 |
| Return on Equity (ROE) | 1.1371% | 6,009 |
| Retained earnings to average equity (ytd only) | -1.8952% | 5,848 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.5490% | 669 |
| Assets per employee ($millions) | 2.5712% | 6,328 |
| Cash dividends to net income (ytd only)* | 266.6667% | 146 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9487% | 5,707 |
| Loan loss allowance to noncurrent loans | 97.1292% | 3,679 |
| Noncurrent assets plus other real estate owned to assets | 0.5601% | 4,467 |
| Noncurrent loans to loans | 0.9767% | 3,473 |
| Net loans and leases to total assets | 41.2170% | 5,732 |
| Net loans and leases to deposits | 46.3735% | 5,827 |
| Net loans and leases to core deposits | 47.5331% | 5,900 |
| Total domestic deposits to total assets | 88.8805% | 1,738 |
| Equity capital to assets | 10.2367% | 3,556 |
| Core capital (leverage) ratio | 10.3620% | 3,101 |
| Tier 1 risk-based capital ratio | 20.7686% | 1,521 |
| Total risk-based capital ratio | 21.5695% | 1,607 |
| Memoranda: | ||
| Average total assets | $50,057,500 | 5,963 |
| Average earning assets | $48,345,500 | 5,883 |
| Average equity | $5,276,500 | 5,931 |
| Average total loans | $22,026,000 | 6,043 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8963% | 6,429 |
| Cost of funding earning assets | 0.2991% | 5,605 |
| Net interest margin | 2.5972% | 6,267 |
| Noninterest income to average assets | 0.4714% | 3,950 |
| Noninterest expense to average assets | 2.6604% | 4,241 |
| Loan and lease loss provision to assets | 0.1225% | 2,780 |
| Net operating income to assets | 0.1952% | 5,833 |
| Return on assets (ROA) | 0.1952% | 5,901 |
| Pretax return on assets | 0.1952% | 5,943 |
| Return on Equity (ROE) | 1.7732% | 5,911 |
| Retained earnings to average equity (ytd only) | -1.3393% | 6,107 |
| Net charge-offs to loans | 0.2236% | 2,673 |
| Credit loss provision to net charge-offs | 125.5319% | 1,890 |
| Earnings coverage of net charge-offs (x) | 3.2553% | 3,916 |
| Efficiency ratio | 89.3305% | 1,081 |
| Assets per employee ($millions) | 2.4346% | 6,441 |
| Cash dividends to net income (ytd only)* | 175.5319% | 114 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8961% | 5,943 |
| Loan loss allowance to noncurrent loans | 159.8425% | 2,533 |
| Noncurrent assets plus other real estate owned to assets | 0.4231% | 4,985 |
| Noncurrent loans to loans | 0.5606% | 4,586 |
| Net loans and leases to total assets | 46.1082% | 5,475 |
| Net loans and leases to deposits | 51.9964% | 5,623 |
| Net loans and leases to core deposits | 54.4056% | 5,647 |
| Total domestic deposits to total assets | 88.6758% | 1,813 |
| Equity capital to assets | 10.8622% | 2,748 |
| Core capital (leverage) ratio | 10.9862% | 2,400 |
| Tier 1 risk-based capital ratio | 20.5702% | 1,520 |
| Total risk-based capital ratio | 21.3597% | 1,598 |
| Memoranda: | ||
| Average total assets | $48,150,800 | 6,064 |
| Average earning assets | $46,473,200 | 5,972 |
| Average equity | $5,301,200 | 5,987 |
| Average total loans | $21,022,400 | 6,149 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8977% | 6,496 |
| Cost of funding earning assets | 0.2993% | 5,748 |
| Net interest margin | 2.5985% | 6,318 |
| Noninterest income to average assets | 0.4498% | 4,155 |
| Noninterest expense to average assets | 2.6713% | 4,128 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.2860% | 5,663 |
| Return on assets (ROA) | 0.2860% | 5,768 |
| Pretax return on assets | 0.2860% | 5,906 |
| Return on Equity (ROE) | 2.5891% | 5,755 |
| Retained earnings to average equity (ytd only) | -1.5584% | 6,204 |
| Net charge-offs to loans | -0.0130% | 5,944 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.3286% | 966 |
| Assets per employee ($millions) | 2.3416% | 6,572 |
| Cash dividends to net income (ytd only)* | 160.1908% | 118 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8946% | 6,068 |
| Loan loss allowance to noncurrent loans | 241.2500% | 1,684 |
| Noncurrent assets plus other real estate owned to assets | 0.3395% | 5,386 |
| Noncurrent loans to loans | 0.3708% | 5,289 |
| Net loans and leases to total assets | 45.6568% | 5,582 |
| Net loans and leases to deposits | 52.8930% | 5,637 |
| Net loans and leases to core deposits | 55.5160% | 5,667 |
| Total domestic deposits to total assets | 86.3192% | 3,065 |
| Equity capital to assets | 11.3128% | 2,459 |
| Core capital (leverage) ratio | 11.1450% | 2,347 |
| Tier 1 risk-based capital ratio | 21.7443% | 1,360 |
| Total risk-based capital ratio | 22.5364% | 1,404 |
| Memoranda: | ||
| Average total assets | $48,015,500 | 6,138 |
| Average earning assets | $46,334,000 | 6,046 |
| Average equity | $5,304,250 | 6,059 |
| Average total loans | $20,614,500 | 6,232 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8711% | 6,556 |
| Cost of funding earning assets | 0.3085% | 5,759 |
| Net interest margin | 2.5626% | 6,369 |
| Noninterest income to average assets | 0.4173% | 4,395 |
| Noninterest expense to average assets | 2.6317% | 4,276 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.2561% | 5,759 |
| Return on assets (ROA) | 0.2561% | 5,887 |
| Pretax return on assets | 0.2561% | 5,987 |
| Return on Equity (ROE) | 2.3368% | 5,852 |
| Retained earnings to average equity (ytd only) | -3.8822% | 6,387 |
| Net charge-offs to loans | -0.0099% | 5,767 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.1302% | 971 |
| Assets per employee ($millions) | 2.3804% | 6,594 |
| Cash dividends to net income (ytd only)* | 266.1290% | 55 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9314% | 6,043 |
| Loan loss allowance to noncurrent loans | 290.9091% | 1,446 |
| Noncurrent assets plus other real estate owned to assets | 0.3046% | 5,562 |
| Noncurrent loans to loans | 0.3202% | 5,491 |
| Net loans and leases to total assets | 42.8971% | 5,830 |
| Net loans and leases to deposits | 48.4715% | 5,950 |
| Net loans and leases to core deposits | 50.7694% | 5,978 |
| Total domestic deposits to total assets | 88.4996% | 1,913 |
| Equity capital to assets | 11.0425% | 2,710 |
| Core capital (leverage) ratio | 11.0011% | 2,352 |
| Tier 1 risk-based capital ratio | 21.9866% | 1,282 |
| Total risk-based capital ratio | 22.7896% | 1,348 |
| Memoranda: | ||
| Average total assets | $48,410,000 | 6,164 |
| Average earning assets | $46,671,330 | 6,077 |
| Average equity | $5,306,330 | 6,099 |
| Average total loans | $20,294,330 | 6,287 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8636% | 6,642 |
| Cost of funding earning assets | 0.3314% | 5,706 |
| Net interest margin | 2.5322% | 6,465 |
| Noninterest income to average assets | 0.3606% | 4,783 |
| Noninterest expense to average assets | 2.5814% | 4,463 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.2213% | 5,817 |
| Return on assets (ROA) | 0.2213% | 5,941 |
| Pretax return on assets | 0.2213% | 6,039 |
| Return on Equity (ROE) | 2.0259% | 5,933 |
| Retained earnings to average equity (ytd only) | -4.3519% | 6,313 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.1053% | 969 |
| Assets per employee ($millions) | 2.4285% | 6,639 |
| Cash dividends to net income (ytd only)* | 314.8148% | 80 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9687% | 6,081 |
| Loan loss allowance to noncurrent loans | 210.9890% | 1,812 |
| Noncurrent assets plus other real estate owned to assets | 0.3500% | 5,544 |
| Noncurrent loans to loans | 0.4591% | 5,273 |
| Net loans and leases to total assets | 40.4138% | 5,964 |
| Net loans and leases to deposits | 45.6117% | 6,076 |
| Net loans and leases to core deposits | 47.4520% | 6,126 |
| Total domestic deposits to total assets | 88.6041% | 1,931 |
| Equity capital to assets | 10.9162% | 3,055 |
| Core capital (leverage) ratio | 10.6417% | 2,601 |
| Tier 1 risk-based capital ratio | 22.4957% | 1,241 |
| Total risk-based capital ratio | 23.3103% | 1,291 |
| Memoranda: | ||
| Average total assets | $48,811,500 | 6,212 |
| Average earning assets | $47,073,500 | 6,126 |
| Average equity | $5,331,000 | 6,155 |
| Average total loans | $20,134,500 | 6,350 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1688% | 6,678 |
| Cost of funding earning assets | 0.4254% | 5,749 |
| Net interest margin | 2.7434% | 6,460 |
| Noninterest income to average assets | 0.4835% | 4,016 |
| Noninterest expense to average assets | 2.5822% | 4,802 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.5356% | 4,538 |
| Return on assets (ROA) | 0.5356% | 4,801 |
| Pretax return on assets | 0.5356% | 5,178 |
| Return on Equity (ROE) | 4.8419% | 4,755 |
| Retained earnings to average equity (ytd only) | 1.6391% | 5,043 |
| Net charge-offs to loans | 0.1191% | 4,499 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 10.7083% | 2,113 |
| Efficiency ratio | 82.8209% | 1,769 |
| Assets per employee ($millions) | 2.4527% | 6,653 |
| Cash dividends to net income (ytd only)* | 66.1479% | 1,510 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9341% | 6,184 |
| Loan loss allowance to noncurrent loans | 298.4375% | 1,305 |
| Noncurrent assets plus other real estate owned to assets | 0.2915% | 5,807 |
| Noncurrent loans to loans | 0.3130% | 5,704 |
| Net loans and leases to total assets | 41.2961% | 6,067 |
| Net loans and leases to deposits | 46.6150% | 6,207 |
| Net loans and leases to core deposits | 48.8203% | 6,221 |
| Total domestic deposits to total assets | 88.5899% | 1,845 |
| Equity capital to assets | 10.9270% | 3,039 |
| Core capital (leverage) ratio | 11.0863% | 2,176 |
| Tier 1 risk-based capital ratio | 22.1937% | 1,233 |
| Total risk-based capital ratio | 22.9846% | 1,291 |
| Memoranda: | ||
| Average total assets | $47,981,600 | 6,263 |
| Average earning assets | $46,074,000 | 6,178 |
| Average equity | $5,307,800 | 6,207 |
| Average total loans | $20,149,600 | 6,419 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2197% | 6,785 |
| Cost of funding earning assets | 0.4425% | 5,857 |
| Net interest margin | 2.7772% | 6,533 |
| Noninterest income to average assets | 0.4694% | 4,140 |
| Noninterest expense to average assets | 2.5960% | 4,757 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.5393% | 4,666 |
| Return on assets (ROA) | 0.5393% | 4,931 |
| Pretax return on assets | 0.5393% | 5,344 |
| Return on Equity (ROE) | 4.8601% | 4,890 |
| Retained earnings to average equity (ytd only) | 0.5793% | 5,919 |
| Net charge-offs to loans | 0.1594% | 3,840 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 8.0416% | 2,512 |
| Efficiency ratio | 82.7986% | 1,725 |
| Assets per employee ($millions) | 2.3933% | 6,788 |
| Cash dividends to net income (ytd only)* | 88.0815% | 496 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9526% | 6,238 |
| Loan loss allowance to noncurrent loans | 434.0909% | 874 |
| Noncurrent assets plus other real estate owned to assets | 0.4408% | 5,562 |
| Noncurrent loans to loans | 0.2194% | 6,062 |
| Net loans and leases to total assets | 41.4917% | 6,163 |
| Net loans and leases to deposits | 46.9160% | 6,322 |
| Net loans and leases to core deposits | 49.1901% | 6,331 |
| Total domestic deposits to total assets | 88.4383% | 1,763 |
| Equity capital to assets | 11.0645% | 3,193 |
| Core capital (leverage) ratio | 10.9828% | 2,403 |
| Tier 1 risk-based capital ratio | 22.1451% | 1,303 |
| Total risk-based capital ratio | 22.9438% | 1,361 |
| Memoranda: | ||
| Average total assets | $47,713,750 | 6,348 |
| Average earning assets | $45,800,000 | 6,260 |
| Average equity | $5,294,750 | 6,274 |
| Average total loans | $20,075,000 | 6,511 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2374% | 6,852 |
| Cost of funding earning assets | 0.4500% | 5,975 |
| Net interest margin | 2.7874% | 6,601 |
| Noninterest income to average assets | 0.4616% | 4,194 |
| Noninterest expense to average assets | 2.5764% | 4,858 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.5623% | 4,524 |
| Return on assets (ROA) | 0.5623% | 4,811 |
| Pretax return on assets | 0.5623% | 5,270 |
| Return on Equity (ROE) | 5.0620% | 4,783 |
| Retained earnings to average equity (ytd only) | 0.5289% | 5,856 |
| Net charge-offs to loans | 0.2390% | 3,139 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 5.5833% | 2,803 |
| Efficiency ratio | 82.0856% | 1,866 |
| Assets per employee ($millions) | 2.4289% | 6,816 |
| Cash dividends to net income (ytd only)* | 89.5522% | 606 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9663% | 6,277 |
| Loan loss allowance to noncurrent loans | 1,005.2632% | 406 |
| Noncurrent assets plus other real estate owned to assets | 0.3829% | 5,822 |
| Noncurrent loans to loans | 0.0961% | 6,424 |
| Net loans and leases to total assets | 40.2989% | 6,321 |
| Net loans and leases to deposits | 45.4769% | 6,476 |
| Net loans and leases to core deposits | 47.6371% | 6,485 |
| Total domestic deposits to total assets | 88.6140% | 1,753 |
| Equity capital to assets | 10.8838% | 3,249 |
| Core capital (leverage) ratio | 10.9396% | 2,358 |
| Tier 1 risk-based capital ratio | 22.2704% | 1,242 |
| Total risk-based capital ratio | 23.0750% | 1,303 |
| Memoranda: | ||
| Average total assets | $47,663,330 | 6,393 |
| Average earning assets | $45,777,670 | 6,291 |
| Average equity | $5,294,330 | 6,307 |
| Average total loans | $20,083,000 | 6,560 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3300% | 6,876 |
| Cost of funding earning assets | 0.4657% | 6,051 |
| Net interest margin | 2.8643% | 6,534 |
| Noninterest income to average assets | 0.4660% | 4,181 |
| Noninterest expense to average assets | 2.8047% | 4,006 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.4237% | 5,147 |
| Return on assets (ROA) | 0.4237% | 5,340 |
| Pretax return on assets | 0.4237% | 5,660 |
| Return on Equity (ROE) | 3.7750% | 5,391 |
| Retained earnings to average equity (ytd only) | 3.7750% | 4,322 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.8766% | 1,388 |
| Assets per employee ($millions) | 2.4274% | 6,898 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0958% | 5,917 |
| Loan loss allowance to noncurrent loans | 537.5000% | 646 |
| Noncurrent assets plus other real estate owned to assets | 0.4264% | 5,798 |
| Noncurrent loans to loans | 0.2039% | 6,273 |
| Net loans and leases to total assets | 39.9728% | 6,354 |
| Net loans and leases to deposits | 45.1376% | 6,486 |
| Net loans and leases to core deposits | 46.9356% | 6,510 |
| Total domestic deposits to total assets | 88.5577% | 1,977 |
| Equity capital to assets | 10.9644% | 2,945 |
| Core capital (leverage) ratio | 11.0415% | 2,227 |
| Tier 1 risk-based capital ratio | 22.3693% | 1,230 |
| Total risk-based capital ratio | 23.2728% | 1,252 |
| Memoranda: | ||
| Average total assets | $47,206,500 | 6,454 |
| Average earning assets | $45,525,500 | 6,347 |
| Average equity | $5,298,000 | 6,336 |
| Average total loans | $20,241,000 | 6,601 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7075% | 6,839 |
| Cost of funding earning assets | 0.5608% | 6,285 |
| Net interest margin | 3.1467% | 6,227 |
| Noninterest income to average assets | 0.5215% | 3,711 |
| Noninterest expense to average assets | 2.8248% | 4,256 |
| Loan and lease loss provision to assets | 0.0042% | 6,467 |
| Net operating income to assets | 0.6777% | 3,590 |
| Return on assets (ROA) | 0.6777% | 3,786 |
| Pretax return on assets | 0.6777% | 4,419 |
| Return on Equity (ROE) | 6.1403% | 3,797 |
| Retained earnings to average equity (ytd only) | 2.1233% | 4,704 |
| Net charge-offs to loans | 0.0097% | 6,295 |
| Credit loss provision to net charge-offs | 100.0000% | 3,501 |
| Earnings coverage of net charge-offs (x) | 161.5000% | 209 |
| Efficiency ratio | 80.5539% | 2,228 |
| Assets per employee ($millions) | 2.2933% | 7,018 |
| Cash dividends to net income (ytd only)* | 65.4206% | 1,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0306% | 6,068 |
| Loan loss allowance to noncurrent loans | 741.3793% | 507 |
| Noncurrent assets plus other real estate owned to assets | 0.4273% | 5,900 |
| Noncurrent loans to loans | 0.1390% | 6,463 |
| Net loans and leases to total assets | 45.0147% | 6,109 |
| Net loans and leases to deposits | 51.1635% | 6,276 |
| Net loans and leases to core deposits | 53.3337% | 6,352 |
| Total domestic deposits to total assets | 87.9821% | 2,172 |
| Equity capital to assets | 11.4968% | 2,510 |
| Core capital (leverage) ratio | 11.3354% | 2,015 |
| Tier 1 risk-based capital ratio | 21.6666% | 1,288 |
| Total risk-based capital ratio | 22.5500% | 1,335 |
| Memoranda: | ||
| Average total assets | $47,365,400 | 6,445 |
| Average earning assets | $44,935,400 | 6,361 |
| Average equity | $5,227,800 | 6,373 |
| Average total loans | $20,579,000 | 6,633 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7181% | 6,920 |
| Cost of funding earning assets | 0.5847% | 6,357 |
| Net interest margin | 3.1334% | 6,333 |
| Noninterest income to average assets | 0.5167% | 3,747 |
| Noninterest expense to average assets | 2.7649% | 4,480 |
| Loan and lease loss provision to assets | 0.0056% | 6,353 |
| Net operating income to assets | 0.7094% | 3,565 |
| Return on assets (ROA) | 0.7094% | 3,729 |
| Pretax return on assets | 0.7094% | 4,438 |
| Return on Equity (ROE) | 6.4921% | 3,773 |
| Retained earnings to average equity (ytd only) | 1.1247% | 5,564 |
| Net charge-offs to loans | 0.0130% | 5,967 |
| Credit loss provision to net charge-offs | 100.0000% | 3,366 |
| Earnings coverage of net charge-offs (x) | 127.8352% | 289 |
| Efficiency ratio | 79.4543% | 2,340 |
| Assets per employee ($millions) | 2.2988% | 7,077 |
| Cash dividends to net income (ytd only)* | 82.6758% | 560 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0059% | 6,232 |
| Loan loss allowance to noncurrent loans | 1,343.7500% | 286 |
| Noncurrent assets plus other real estate owned to assets | 0.4002% | 6,080 |
| Noncurrent loans to loans | 0.0749% | 6,742 |
| Net loans and leases to total assets | 46.0228% | 6,146 |
| Net loans and leases to deposits | 52.1993% | 6,346 |
| Net loans and leases to core deposits | 54.3961% | 6,430 |
| Total domestic deposits to total assets | 88.1675% | 1,944 |
| Equity capital to assets | 11.3235% | 2,838 |
| Core capital (leverage) ratio | 11.1635% | 2,271 |
| Tier 1 risk-based capital ratio | 20.5462% | 1,550 |
| Total risk-based capital ratio | 21.3947% | 1,620 |
| Memoranda: | ||
| Average total assets | $47,740,500 | 6,490 |
| Average earning assets | $45,147,500 | 6,417 |
| Average equity | $5,216,500 | 6,426 |
| Average total loans | $20,508,500 | 6,699 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7545% | 6,964 |
| Cost of funding earning assets | 0.6032% | 6,450 |
| Net interest margin | 3.1513% | 6,283 |
| Noninterest income to average assets | 0.4966% | 3,886 |
| Noninterest expense to average assets | 2.7023% | 4,813 |
| Loan and lease loss provision to assets | 0.0083% | 6,157 |
| Net operating income to assets | 0.7697% | 3,201 |
| Return on assets (ROA) | 0.7697% | 3,335 |
| Pretax return on assets | 0.7697% | 4,148 |
| Return on Equity (ROE) | 7.1264% | 3,388 |
| Retained earnings to average equity (ytd only) | 3.2950% | 4,161 |
| Net charge-offs to loans | 0.0198% | 5,564 |
| Credit loss provision to net charge-offs | 100.0000% | 3,113 |
| Earnings coverage of net charge-offs (x) | 94.0000% | 382 |
| Efficiency ratio | 77.6457% | 2,771 |
| Assets per employee ($millions) | 2.3850% | 7,039 |
| Cash dividends to net income (ytd only)* | 53.7634% | 1,570 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0195% | 6,253 |
| Loan loss allowance to noncurrent loans | 298.6111% | 1,054 |
| Noncurrent assets plus other real estate owned to assets | 0.3543% | 6,244 |
| Noncurrent loans to loans | 0.3414% | 6,234 |
| Net loans and leases to total assets | 43.7598% | 6,455 |
| Net loans and leases to deposits | 49.4387% | 6,639 |
| Net loans and leases to core deposits | 51.4265% | 6,691 |
| Total domestic deposits to total assets | 88.5134% | 1,845 |
| Equity capital to assets | 11.0002% | 2,952 |
| Core capital (leverage) ratio | 10.7987% | 2,422 |
| Tier 1 risk-based capital ratio | 21.5944% | 1,315 |
| Total risk-based capital ratio | 22.4792% | 1,356 |
| Memoranda: | ||
| Average total assets | $48,329,000 | 6,531 |
| Average earning assets | $45,758,330 | 6,445 |
| Average equity | $5,220,000 | 6,459 |
| Average total loans | $20,220,000 | 6,772 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7258% | 7,042 |
| Cost of funding earning assets | 0.6210% | 6,519 |
| Net interest margin | 3.1048% | 6,337 |
| Noninterest income to average assets | 0.4523% | 4,260 |
| Noninterest expense to average assets | 2.6643% | 4,982 |
| Loan and lease loss provision to assets | 0.0164% | 5,725 |
| Net operating income to assets | 0.7318% | 3,367 |
| Return on assets (ROA) | 0.7318% | 3,435 |
| Pretax return on assets | 0.7318% | 4,182 |
| Return on Equity (ROE) | 6.8376% | 3,470 |
| Retained earnings to average equity (ytd only) | 6.8376% | 2,219 |
| Net charge-offs to loans | 0.0404% | 4,545 |
| Credit loss provision to net charge-offs | 100.0000% | 2,647 |
| Earnings coverage of net charge-offs (x) | 45.5000% | 621 |
| Efficiency ratio | 78.0723% | 2,832 |
| Assets per employee ($millions) | 2.4713% | 7,026 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0928% | 6,076 |
| Loan loss allowance to noncurrent loans | 7,166.6667% | 77 |
| Noncurrent assets plus other real estate owned to assets | 0.2023% | 6,654 |
| Noncurrent loans to loans | 0.0152% | 7,031 |
| Net loans and leases to total assets | 39.3700% | 6,822 |
| Net loans and leases to deposits | 44.2935% | 6,945 |
| Net loans and leases to core deposits | 45.9969% | 6,972 |
| Total domestic deposits to total assets | 88.8844% | 1,851 |
| Equity capital to assets | 10.6240% | 3,064 |
| Core capital (leverage) ratio | 10.4552% | 2,659 |
| Tier 1 risk-based capital ratio | 22.1300% | 1,206 |
| Total risk-based capital ratio | 23.0361% | 1,233 |
| Memoranda: | ||
| Average total assets | $48,644,000 | 6,565 |
| Average earning assets | $46,379,500 | 6,476 |
| Average equity | $5,206,500 | 6,479 |
| Average total loans | $19,786,000 | 6,853 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0816% | 7,064 |
| Cost of funding earning assets | 1.0338% | 5,517 |
| Net interest margin | 3.0478% | 6,643 |
| Noninterest income to average assets | 0.5681% | 3,690 |
| Noninterest expense to average assets | 2.9654% | 3,977 |
| Loan and lease loss provision to assets | 0.0185% | 6,927 |
| Net operating income to assets | 0.3835% | 4,621 |
| Return on assets (ROA) | 0.3835% | 4,764 |
| Pretax return on assets | 0.3835% | 4,997 |
| Return on Equity (ROE) | 3.6619% | 4,664 |
| Retained earnings to average equity (ytd only) | 0.3329% | 5,416 |
| Net charge-offs to loans | 0.0449% | 6,357 |
| Credit loss provision to net charge-offs | 100.0000% | 4,560 |
| Earnings coverage of net charge-offs (x) | 21.7778% | 954 |
| Efficiency ratio | 88.0633% | 1,480 |
| Assets per employee ($millions) | 2.3931% | 7,137 |
| Cash dividends to net income (ytd only)* | 90.9091% | 544 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0805% | 6,024 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2027% | 6,719 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 41.1245% | 6,893 |
| Net loans and leases to deposits | 46.3522% | 7,026 |
| Net loans and leases to core deposits | 48.1907% | 7,061 |
| Total domestic deposits to total assets | 88.7217% | 1,811 |
| Equity capital to assets | 10.7852% | 2,875 |
| Core capital (leverage) ratio | 10.6704% | 2,400 |
| Tier 1 risk-based capital ratio | 21.8285% | 1,200 |
| Total risk-based capital ratio | 22.7377% | 1,223 |
| Memoranda: | ||
| Average total assets | $48,763,000 | 6,584 |
| Average earning assets | $44,786,200 | 6,548 |
| Average equity | $5,106,600 | 6,635 |
| Average total loans | $20,054,800 | 6,920 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1413% | 7,160 |
| Cost of funding earning assets | 1.1447% | 5,179 |
| Net interest margin | 2.9966% | 6,841 |
| Noninterest income to average assets | 0.4926% | 4,247 |
| Noninterest expense to average assets | 2.9149% | 4,025 |
| Loan and lease loss provision to assets | 0.0245% | 6,819 |
| Net operating income to assets | 0.2749% | 5,257 |
| Return on assets (ROA) | 0.2749% | 5,423 |
| Pretax return on assets | 0.2749% | 5,563 |
| Return on Equity (ROE) | 2.6442% | 5,368 |
| Retained earnings to average equity (ytd only) | -1.8065% | 6,162 |
| Net charge-offs to loans | 0.0597% | 5,912 |
| Credit loss provision to net charge-offs | 100.0000% | 4,307 |
| Earnings coverage of net charge-offs (x) | 12.2217% | 1,709 |
| Efficiency ratio | 90.6859% | 1,229 |
| Assets per employee ($millions) | 2.4205% | 7,171 |
| Cash dividends to net income (ytd only)* | 168.3202% | 115 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0752% | 6,041 |
| Loan loss allowance to noncurrent loans | 341.2698% | 872 |
| Noncurrent assets plus other real estate owned to assets | 0.3367% | 6,542 |
| Noncurrent loans to loans | 0.3151% | 6,567 |
| Net loans and leases to total assets | 40.8614% | 7,032 |
| Net loans and leases to deposits | 45.9276% | 7,177 |
| Net loans and leases to core deposits | 47.7145% | 7,218 |
| Total domestic deposits to total assets | 88.9692% | 1,403 |
| Equity capital to assets | 10.4875% | 3,534 |
| Core capital (leverage) ratio | 10.3636% | 2,846 |
| Tier 1 risk-based capital ratio | 21.4292% | 1,298 |
| Total risk-based capital ratio | 22.3367% | 1,321 |
| Memoranda: | ||
| Average total assets | $48,988,250 | 6,658 |
| Average earning assets | $44,494,000 | 6,636 |
| Average equity | $5,092,750 | 6,722 |
| Average total loans | $20,094,000 | 7,006 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1412% | 7,242 |
| Cost of funding earning assets | 1.2961% | 4,562 |
| Net interest margin | 2.8451% | 7,088 |
| Noninterest income to average assets | 0.4799% | 4,289 |
| Noninterest expense to average assets | 2.9036% | 4,061 |
| Loan and lease loss provision to assets | 0.0366% | 6,591 |
| Net operating income to assets | 0.1017% | 5,863 |
| Return on assets (ROA) | 0.1017% | 5,978 |
| Pretax return on assets | 0.1017% | 5,974 |
| Return on Equity (ROE) | 0.9808% | 5,964 |
| Retained earnings to average equity (ytd only) | -5.6885% | 6,630 |
| Net charge-offs to loans | 0.0894% | 5,243 |
| Credit loss provision to net charge-offs | 100.0000% | 4,062 |
| Earnings coverage of net charge-offs (x) | 3.7778% | 3,179 |
| Efficiency ratio | 95.4545% | 990 |
| Assets per employee ($millions) | 2.4800% | 7,123 |
| Cash dividends to net income (ytd only)* | 680.0000% | 30 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1027% | 5,926 |
| Loan loss allowance to noncurrent loans | 341.2698% | 862 |
| Noncurrent assets plus other real estate owned to assets | 0.3468% | 6,554 |
| Noncurrent loans to loans | 0.3231% | 6,581 |
| Net loans and leases to total assets | 38.8758% | 7,225 |
| Net loans and leases to deposits | 43.4808% | 7,338 |
| Net loans and leases to core deposits | 45.3961% | 7,375 |
| Total domestic deposits to total assets | 89.4091% | 1,221 |
| Equity capital to assets | 10.0808% | 3,907 |
| Core capital (leverage) ratio | 10.0515% | 3,116 |
| Tier 1 risk-based capital ratio | 21.1416% | 1,316 |
| Total risk-based capital ratio | 22.0507% | 1,347 |
| Memoranda: | ||
| Average total assets | $49,181,000 | 6,688 |
| Average earning assets | $44,286,330 | 6,688 |
| Average equity | $5,098,000 | 6,750 |
| Average total loans | $20,126,670 | 7,059 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3244% | 7,094 |
| Cost of funding earning assets | 1.4352% | 3,962 |
| Net interest margin | 2.8892% | 7,034 |
| Noninterest income to average assets | 0.4574% | 4,401 |
| Noninterest expense to average assets | 2.8669% | 4,198 |
| Loan and lease loss provision to assets | 0.0653% | 5,983 |
| Net operating income to assets | 0.0408% | 6,187 |
| Return on assets (ROA) | 0.0408% | 6,301 |
| Pretax return on assets | 0.0408% | 6,280 |
| Return on Equity (ROE) | 0.3886% | 6,311 |
| Retained earnings to average equity (ytd only) | 0.3886% | 5,680 |
| Net charge-offs to loans | 0.0978% | 4,439 |
| Credit loss provision to net charge-offs | 160.0000% | 2,250 |
| Earnings coverage of net charge-offs (x) | 2.6000% | 3,233 |
| Efficiency ratio | 96.4286% | 1,001 |
| Assets per employee ($millions) | 2.4588% | 7,262 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0996% | 6,005 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2461% | 6,850 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 39.8731% | 7,257 |
| Net loans and leases to deposits | 44.8347% | 7,371 |
| Net loans and leases to core deposits | 46.4964% | 7,414 |
| Total domestic deposits to total assets | 88.9336% | 1,550 |
| Equity capital to assets | 10.4706% | 3,277 |
| Core capital (leverage) ratio | 10.3608% | 2,755 |
| Tier 1 risk-based capital ratio | 21.5701% | 1,258 |
| Total risk-based capital ratio | 22.4833% | 1,280 |
| Memoranda: | ||
| Average total assets | $48,972,000 | 6,767 |
| Average earning assets | $42,642,000 | 6,831 |
| Average equity | $5,147,000 | 6,804 |
| Average total loans | $20,441,500 | 7,133 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7172% | 7,112 |
| Cost of funding earning assets | 1.7091% | 4,456 |
| Net interest margin | 3.0081% | 6,624 |
| Noninterest income to average assets | 0.5334% | 4,151 |
| Noninterest expense to average assets | 2.9149% | 4,484 |
| Loan and lease loss provision to assets | 0.3260% | 4,860 |
| Net operating income to assets | -0.0995% | 5,679 |
| Return on assets (ROA) | -0.0995% | 5,680 |
| Pretax return on assets | -0.0995% | 5,600 |
| Return on Equity (ROE) | -0.9016% | 5,685 |
| Retained earnings to average equity (ytd only) | -2.8198% | 5,662 |
| Net charge-offs to loans | 0.7169% | 3,035 |
| Credit loss provision to net charge-offs | 101.3158% | 5,448 |
| Earnings coverage of net charge-offs (x) | 0.7039% | 5,394 |
| Efficiency ratio | 92.7898% | 1,501 |
| Assets per employee ($millions) | 2.4384% | 7,296 |
| Cash dividends to net income (ytd only)* | -212.7660% | 7,958 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0210% | 6,262 |
| Loan loss allowance to noncurrent loans | 7,166.6667% | 69 |
| Noncurrent assets plus other real estate owned to assets | 0.2666% | 6,785 |
| Noncurrent loans to loans | 0.0142% | 7,404 |
| Net loans and leases to total assets | 42.7370% | 7,207 |
| Net loans and leases to deposits | 48.0651% | 7,354 |
| Net loans and leases to core deposits | 53.3931% | 7,490 |
| Total domestic deposits to total assets | 88.9149% | 1,516 |
| Equity capital to assets | 10.5500% | 3,129 |
| Core capital (leverage) ratio | 10.6989% | 2,434 |
| Tier 1 risk-based capital ratio | 21.7465% | 1,181 |
| Total risk-based capital ratio | 22.6552% | 1,206 |
| Memoranda: | ||
| Average total assets | $47,239,800 | 6,820 |
| Average earning assets | $40,956,400 | 6,911 |
| Average equity | $5,213,200 | 6,868 |
| Average total loans | $21,201,600 | 7,127 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6403% | 7,363 |
| Cost of funding earning assets | 1.7409% | 4,690 |
| Net interest margin | 2.8994% | 6,863 |
| Noninterest income to average assets | 0.5435% | 4,134 |
| Noninterest expense to average assets | 3.1669% | 3,415 |
| Loan and lease loss provision to assets | 0.4325% | 3,743 |
| Net operating income to assets | -0.5065% | 6,429 |
| Return on assets (ROA) | -0.5065% | 6,431 |
| Pretax return on assets | -0.5065% | 6,306 |
| Return on Equity (ROE) | -4.5376% | 6,403 |
| Retained earnings to average equity (ytd only) | -4.5376% | 6,193 |
| Net charge-offs to loans | 0.9542% | 2,070 |
| Credit loss provision to net charge-offs | 100.0000% | 5,070 |
| Earnings coverage of net charge-offs (x) | -0.1711% | 6,259 |
| Efficiency ratio | 102.3919% | 964 |
| Assets per employee ($millions) | 2.3410% | 7,456 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0312% | 6,102 |
| Loan loss allowance to noncurrent loans | 269.6203% | 1,107 |
| Noncurrent assets plus other real estate owned to assets | 0.2905% | 6,764 |
| Noncurrent loans to loans | 0.3825% | 6,580 |
| Net loans and leases to total assets | 43.6608% | 7,268 |
| Net loans and leases to deposits | 49.3613% | 7,438 |
| Net loans and leases to core deposits | 54.2473% | 7,589 |
| Total domestic deposits to total assets | 88.4515% | 1,453 |
| Equity capital to assets | 10.9227% | 3,088 |
| Core capital (leverage) ratio | 10.6864% | 2,642 |
| Tier 1 risk-based capital ratio | 21.5899% | 1,274 |
| Total risk-based capital ratio | 22.4891% | 1,319 |
| Memoranda: | ||
| Average total assets | $46,857,750 | 6,882 |
| Average earning assets | $41,203,250 | 6,951 |
| Average equity | $5,230,250 | 6,929 |
| Average total loans | $21,237,750 | 7,191 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6061% | 7,523 |
| Cost of funding earning assets | 1.7679% | 4,916 |
| Net interest margin | 2.8383% | 6,938 |
| Noninterest income to average assets | 0.5377% | 4,129 |
| Noninterest expense to average assets | 3.3326% | 2,843 |
| Loan and lease loss provision to assets | 0.0427% | 6,807 |
| Net operating income to assets | -0.3371% | 6,369 |
| Return on assets (ROA) | -0.3371% | 6,383 |
| Pretax return on assets | -0.3371% | 6,268 |
| Return on Equity (ROE) | -2.9987% | 6,360 |
| Retained earnings to average equity (ytd only) | -2.9987% | 5,971 |
| Net charge-offs to loans | 0.0933% | 5,250 |
| Credit loss provision to net charge-offs | 100.0000% | 4,559 |
| Earnings coverage of net charge-offs (x) | -6.9000% | 6,489 |
| Efficiency ratio | 109.6910% | 857 |
| Assets per employee ($millions) | 2.4198% | 7,398 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0170% | 6,098 |
| Loan loss allowance to noncurrent loans | 50.7143% | 4,981 |
| Noncurrent assets plus other real estate owned to assets | 1.0042% | 4,960 |
| Noncurrent loans to loans | 2.0053% | 3,514 |
| Net loans and leases to total assets | 42.8371% | 7,400 |
| Net loans and leases to deposits | 48.3680% | 7,550 |
| Net loans and leases to core deposits | 53.1047% | 7,681 |
| Total domestic deposits to total assets | 88.5649% | 1,499 |
| Equity capital to assets | 10.7718% | 3,144 |
| Core capital (leverage) ratio | 10.7771% | 2,586 |
| Tier 1 risk-based capital ratio | 22.0088% | 1,253 |
| Total risk-based capital ratio | 22.9080% | 1,275 |
| Memoranda: | ||
| Average total assets | $46,870,330 | 6,945 |
| Average earning assets | $41,292,670 | 6,998 |
| Average equity | $5,269,000 | 6,977 |
| Average total loans | $21,432,000 | 7,245 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6818% | 7,532 |
| Cost of funding earning assets | 1.7812% | 5,199 |
| Net interest margin | 2.9006% | 6,744 |
| Noninterest income to average assets | 0.5118% | 4,211 |
| Noninterest expense to average assets | 3.0103% | 3,718 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.0868% | 6,021 |
| Return on assets (ROA) | 0.0868% | 6,185 |
| Pretax return on assets | 0.0868% | 6,194 |
| Return on Equity (ROE) | 0.7551% | 6,207 |
| Retained earnings to average equity (ytd only) | 0.7551% | 5,363 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.1989% | 1,259 |
| Assets per employee ($millions) | 2.3977% | 7,467 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0022% | 6,157 |
| Loan loss allowance to noncurrent loans | 50.8353% | 5,149 |
| Noncurrent assets plus other real estate owned to assets | 1.0114% | 4,669 |
| Noncurrent loans to loans | 1.9715% | 3,302 |
| Net loans and leases to total assets | 43.8754% | 7,350 |
| Net loans and leases to deposits | 49.6789% | 7,511 |
| Net loans and leases to core deposits | 55.7026% | 7,632 |
| Total domestic deposits to total assets | 88.3180% | 1,567 |
| Equity capital to assets | 11.0564% | 2,916 |
| Core capital (leverage) ratio | 11.2847% | 2,286 |
| Tier 1 risk-based capital ratio | 21.9345% | 1,305 |
| Total risk-based capital ratio | 22.8157% | 1,331 |
| Memoranda: | ||
| Average total assets | $46,108,000 | 7,025 |
| Average earning assets | $41,095,000 | 7,056 |
| Average equity | $5,297,000 | 7,011 |
| Average total loans | $21,676,000 | 7,266 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1648% | 7,709 |
| Cost of funding earning assets | 2.1591% | 5,782 |
| Net interest margin | 3.0057% | 6,897 |
| Noninterest income to average assets | 0.5292% | 4,396 |
| Noninterest expense to average assets | 3.1664% | 3,461 |
| Loan and lease loss provision to assets | 0.0324% | 7,001 |
| Net operating income to assets | 0.0756% | 6,166 |
| Return on assets (ROA) | 0.0756% | 6,016 |
| Pretax return on assets | 0.0756% | 5,996 |
| Return on Equity (ROE) | 0.6444% | 6,021 |
| Retained earnings to average equity (ytd only) | -3.5347% | 6,235 |
| Net charge-offs to loans | 0.0142% | 6,696 |
| Credit loss provision to net charge-offs | 500.0000% | 870 |
| Earnings coverage of net charge-offs (x) | 16.6667% | 1,827 |
| Efficiency ratio | 96.7018% | 1,113 |
| Assets per employee ($millions) | 2.2131% | 7,689 |
| Cash dividends to net income (ytd only)* | 648.5714% | 63 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9638% | 6,307 |
| Loan loss allowance to noncurrent loans | 53.1172% | 5,342 |
| Noncurrent assets plus other real estate owned to assets | 1.0551% | 4,175 |
| Noncurrent loans to loans | 1.8146% | 3,040 |
| Net loans and leases to total assets | 49.4465% | 7,076 |
| Net loans and leases to deposits | 56.3187% | 7,296 |
| Net loans and leases to core deposits | 62.7538% | 7,485 |
| Total domestic deposits to total assets | 87.7977% | 1,559 |
| Equity capital to assets | 11.9561% | 2,315 |
| Core capital (leverage) ratio | 11.5498% | 2,221 |
| Tier 1 risk-based capital ratio | 24.0262% | 1,084 |
| Total risk-based capital ratio | 24.9932% | 1,090 |
| Memoranda: | ||
| Average total assets | $46,298,200 | 6,925 |
| Average earning assets | $42,286,000 | 6,937 |
| Average equity | $5,431,800 | 7,005 |
| Average total loans | $21,142,200 | 7,253 |