Home > Community State Bank of Canton > Performance and Condition Ratios
Community State Bank of Canton, Performance and Condition Ratios
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7244% | 543 |
| Cost of funding earning assets | 1.7590% | 2,828 |
| Net interest margin | 4.9654% | 351 |
| Noninterest income to average assets | 0.4900% | 1,987 |
| Noninterest expense to average assets | 3.5771% | 537 |
| Loan and lease loss provision to assets | 0.0900% | 1,528 |
| Net operating income to assets | 1.1305% | 1,659 |
| Return on assets (ROA) | 1.1293% | 1,674 |
| Pretax return on assets | 1.4650% | 1,352 |
| Return on Equity (ROE) | 9.6800% | 2,246 |
| Retained earnings to average equity (ytd only) | 8.8940% | 829 |
| Net charge-offs to loans | -0.1303% | 4,456 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 69.6582% | 2,037 |
| Assets per employee ($millions) | 4.2254% | 4,026 |
| Cash dividends to net income (ytd only)* | 8.1081% | 3,245 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8736% | 471 |
| Loan loss allowance to noncurrent loans | 169.5413% | 2,372 |
| Noncurrent assets plus other real estate owned to assets | 0.8061% | 895 |
| Noncurrent loans to loans | 1.1051% | 910 |
| Net loans and leases to total assets | 71.5800% | 1,715 |
| Net loans and leases to deposits | 84.2937% | 1,752 |
| Net loans and leases to core deposits | 98.1105% | 1,582 |
| Total domestic deposits to total assets | 84.9200% | 2,560 |
| Equity capital to assets | 11.8375% | 1,243 |
| Core capital (leverage) ratio | 12.1876% | 1,364 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $65,527,600 | 4,087 |
| Average earning assets | $61,284,600 | 4,062 |
| Average equity | $7,645,600 | 4,003 |
| Average total loans | $47,574,000 | 3,854 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7393% | 519 |
| Cost of funding earning assets | 1.7035% | 2,948 |
| Net interest margin | 5.0357% | 320 |
| Noninterest income to average assets | 0.5300% | 1,766 |
| Noninterest expense to average assets | 3.5482% | 542 |
| Loan and lease loss provision to assets | 0.0800% | 1,521 |
| Net operating income to assets | 1.2265% | 1,465 |
| Return on assets (ROA) | 1.2265% | 1,471 |
| Pretax return on assets | 1.5895% | 1,179 |
| Return on Equity (ROE) | 10.5500% | 2,038 |
| Retained earnings to average equity (ytd only) | 10.5517% | 732 |
| Net charge-offs to loans | -0.2206% | 4,505 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 67.9764% | 2,269 |
| Assets per employee ($millions) | 4.0647% | 4,104 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8888% | 473 |
| Loan loss allowance to noncurrent loans | 181.1024% | 2,365 |
| Noncurrent assets plus other real estate owned to assets | 0.7811% | 898 |
| Noncurrent loans to loans | 1.0430% | 955 |
| Net loans and leases to total assets | 73.4800% | 1,441 |
| Net loans and leases to deposits | 84.0418% | 1,815 |
| Net loans and leases to core deposits | 97.3576% | 1,672 |
| Total domestic deposits to total assets | 87.4300% | 1,449 |
| Equity capital to assets | 12.3103% | 1,167 |
| Core capital (leverage) ratio | 12.2500% | 1,370 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $65,007,750 | 4,110 |
| Average earning assets | $60,578,750 | 4,090 |
| Average equity | $7,556,250 | 4,029 |
| Average total loans | $47,138,250 | 3,872 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6868% | 508 |
| Cost of funding earning assets | 1.6817% | 2,897 |
| Net interest margin | 5.0052% | 332 |
| Noninterest income to average assets | 0.6000% | 1,448 |
| Noninterest expense to average assets | 3.7478% | 446 |
| Loan and lease loss provision to assets | 0.0300% | 2,286 |
| Net operating income to assets | 1.1231% | 1,664 |
| Return on assets (ROA) | 1.1231% | 1,665 |
| Pretax return on assets | 1.4646% | 1,346 |
| Return on Equity (ROE) | 9.8600% | 2,227 |
| Retained earnings to average equity (ytd only) | 9.8564% | 912 |
| Net charge-offs to loans | -0.3046% | 4,538 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 71.4789% | 1,921 |
| Assets per employee ($millions) | 3.8426% | 4,174 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8382% | 525 |
| Loan loss allowance to noncurrent loans | 133.5855% | 2,809 |
| Noncurrent assets plus other real estate owned to assets | 1.0119% | 593 |
| Noncurrent loans to loans | 1.3761% | 652 |
| Net loans and leases to total assets | 72.1800% | 1,626 |
| Net loans and leases to deposits | 81.8355% | 2,031 |
| Net loans and leases to core deposits | 93.6336% | 1,890 |
| Total domestic deposits to total assets | 88.2000% | 1,249 |
| Equity capital to assets | 11.6464% | 1,293 |
| Core capital (leverage) ratio | 11.7729% | 1,560 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $64,998,667 | 4,127 |
| Average earning assets | $60,297,667 | 4,106 |
| Average equity | $7,406,333 | 4,037 |
| Average total loans | $46,615,333 | 3,891 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2325% | 817 |
| Cost of funding earning assets | 1.6109% | 2,960 |
| Net interest margin | 4.6216% | 513 |
| Noninterest income to average assets | 0.6300% | 1,253 |
| Noninterest expense to average assets | 3.3130% | 714 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 1.2524% | 1,323 |
| Return on assets (ROA) | 1.2524% | 1,335 |
| Pretax return on assets | 1.6349% | 1,039 |
| Return on Equity (ROE) | 11.1100% | 1,821 |
| Retained earnings to average equity (ytd only) | 11.1149% | 892 |
| Net charge-offs to loans | -1.0021% | 4,586 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 66.9576% | 2,503 |
| Assets per employee ($millions) | 3.9281% | 4,173 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9779% | 405 |
| Loan loss allowance to noncurrent loans | 145.0949% | 2,764 |
| Noncurrent assets plus other real estate owned to assets | 0.9464% | 627 |
| Noncurrent loans to loans | 1.3632% | 596 |
| Net loans and leases to total assets | 68.0500% | 2,012 |
| Net loans and leases to deposits | 76.7406% | 2,363 |
| Net loans and leases to core deposits | 88.2204% | 2,153 |
| Total domestic deposits to total assets | 88.6800% | 1,200 |
| Equity capital to assets | 11.0920% | 1,466 |
| Core capital (leverage) ratio | 11.6728% | 1,567 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $64,835,500 | 4,150 |
| Average earning assets | $60,585,500 | 4,127 |
| Average equity | $7,305,500 | 4,064 |
| Average total loans | $45,905,500 | 3,921 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8762% | 743 |
| Cost of funding earning assets | 1.1089% | 3,046 |
| Net interest margin | 4.7673% | 435 |
| Noninterest income to average assets | 0.6300% | 1,422 |
| Noninterest expense to average assets | 3.3781% | 676 |
| Loan and lease loss provision to assets | 0.0800% | 1,564 |
| Net operating income to assets | 1.2401% | 1,559 |
| Return on assets (ROA) | 1.2413% | 1,535 |
| Pretax return on assets | 1.6485% | 1,152 |
| Return on Equity (ROE) | 11.9100% | 1,974 |
| Retained earnings to average equity (ytd only) | 10.4387% | 917 |
| Net charge-offs to loans | -0.1807% | 4,553 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 66.2166% | 2,325 |
| Assets per employee ($millions) | 3.6996% | 4,243 |
| Cash dividends to net income (ytd only)* | 12.3305% | 3,169 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7646% | 573 |
| Loan loss allowance to noncurrent loans | 158.8119% | 2,786 |
| Noncurrent assets plus other real estate owned to assets | 0.8030% | 635 |
| Noncurrent loans to loans | 1.1111% | 652 |
| Net loans and leases to total assets | 70.9900% | 1,705 |
| Net loans and leases to deposits | 80.2729% | 2,081 |
| Net loans and leases to core deposits | 90.5141% | 2,015 |
| Total domestic deposits to total assets | 88.4300% | 1,225 |
| Equity capital to assets | 11.4544% | 1,302 |
| Core capital (leverage) ratio | 11.5491% | 1,624 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $65,332,800 | 4,162 |
| Average earning assets | $61,229,600 | 4,120 |
| Average equity | $6,811,200 | 4,070 |
| Average total loans | $44,266,400 | 3,929 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7005% | 791 |
| Cost of funding earning assets | 1.0029% | 3,031 |
| Net interest margin | 4.6976% | 462 |
| Noninterest income to average assets | 0.6500% | 1,345 |
| Noninterest expense to average assets | 3.1966% | 822 |
| Loan and lease loss provision to assets | 0.1000% | 1,184 |
| Net operating income to assets | 1.3228% | 1,491 |
| Return on assets (ROA) | 1.3243% | 1,467 |
| Pretax return on assets | 1.7550% | 1,075 |
| Return on Equity (ROE) | 13.0100% | 1,896 |
| Retained earnings to average equity (ytd only) | 13.0093% | 811 |
| Net charge-offs to loans | -0.2486% | 4,585 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 63.2906% | 2,587 |
| Assets per employee ($millions) | 4.1008% | 4,119 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7763% | 594 |
| Loan loss allowance to noncurrent loans | 157.6471% | 2,769 |
| Noncurrent assets plus other real estate owned to assets | 0.7773% | 714 |
| Noncurrent loans to loans | 1.1268% | 699 |
| Net loans and leases to total assets | 67.7600% | 2,073 |
| Net loans and leases to deposits | 76.2612% | 2,389 |
| Net loans and leases to core deposits | 85.8644% | 2,196 |
| Total domestic deposits to total assets | 88.8500% | 1,305 |
| Equity capital to assets | 10.6886% | 1,476 |
| Core capital (leverage) ratio | 11.2298% | 1,839 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $65,942,750 | 4,168 |
| Average earning assets | $61,817,500 | 4,138 |
| Average equity | $6,713,000 | 4,078 |
| Average total loans | $43,970,750 | 3,945 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5320% | 796 |
| Cost of funding earning assets | 0.8414% | 3,093 |
| Net interest margin | 4.6906% | 465 |
| Noninterest income to average assets | 0.6300% | 1,337 |
| Noninterest expense to average assets | 3.1762% | 813 |
| Loan and lease loss provision to assets | 0.1500% | 736 |
| Net operating income to assets | 1.2754% | 1,631 |
| Return on assets (ROA) | 1.2778% | 1,617 |
| Pretax return on assets | 1.7107% | 1,188 |
| Return on Equity (ROE) | 12.7600% | 1,956 |
| Retained earnings to average equity (ytd only) | 12.7627% | 842 |
| Net charge-offs to loans | 0.0919% | 713 |
| Credit loss provision to net charge-offs | 250.0000% | 955 |
| Earnings coverage of net charge-offs (x) | 30.7000% | 1,536 |
| Efficiency ratio | 63.0788% | 2,584 |
| Assets per employee ($millions) | 4.2634% | 4,074 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5766% | 980 |
| Loan loss allowance to noncurrent loans | 139.1218% | 2,994 |
| Noncurrent assets plus other real estate owned to assets | 0.7344% | 696 |
| Noncurrent loans to loans | 1.1333% | 624 |
| Net loans and leases to total assets | 63.7900% | 2,406 |
| Net loans and leases to deposits | 73.4938% | 2,544 |
| Net loans and leases to core deposits | 83.3196% | 2,250 |
| Total domestic deposits to total assets | 86.7900% | 1,993 |
| Equity capital to assets | 9.9787% | 1,871 |
| Core capital (leverage) ratio | 10.8321% | 2,025 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $66,053,000 | 4,189 |
| Average earning assets | $62,039,333 | 4,161 |
| Average equity | $6,613,000 | 4,117 |
| Average total loans | $43,540,333 | 3,963 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4241% | 695 |
| Cost of funding earning assets | 0.7032% | 3,046 |
| Net interest margin | 4.7208% | 427 |
| Noninterest income to average assets | 0.5800% | 1,496 |
| Noninterest expense to average assets | 3.0906% | 952 |
| Loan and lease loss provision to assets | 0.1800% | 597 |
| Net operating income to assets | 1.3175% | 1,628 |
| Return on assets (ROA) | 1.3175% | 1,597 |
| Pretax return on assets | 1.7669% | 1,135 |
| Return on Equity (ROE) | 13.1400% | 1,958 |
| Retained earnings to average equity (ytd only) | 13.1369% | 1,068 |
| Net charge-offs to loans | 0.0741% | 705 |
| Credit loss provision to net charge-offs | 375.0000% | 620 |
| Earnings coverage of net charge-offs (x) | 39.6250% | 1,193 |
| Efficiency ratio | 61.2943% | 2,778 |
| Assets per employee ($millions) | 3.9089% | 4,291 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5352% | 1,161 |
| Loan loss allowance to noncurrent loans | 125.5198% | 3,155 |
| Noncurrent assets plus other real estate owned to assets | 0.7961% | 600 |
| Noncurrent loans to loans | 1.2231% | 563 |
| Net loans and leases to total assets | 64.0900% | 2,243 |
| Net loans and leases to deposits | 71.4025% | 2,514 |
| Net loans and leases to core deposits | 78.8068% | 2,331 |
| Total domestic deposits to total assets | 89.7600% | 1,246 |
| Equity capital to assets | 10.0179% | 1,815 |
| Core capital (leverage) ratio | 10.5720% | 2,178 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $64,972,000 | 4,256 |
| Average earning assets | $61,430,000 | 4,221 |
| Average equity | $6,516,000 | 4,182 |
| Average total loans | $43,206,000 | 4,014 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9438% | 334 |
| Cost of funding earning assets | 0.2750% | 3,097 |
| Net interest margin | 4.6687% | 219 |
| Noninterest income to average assets | 0.6400% | 1,496 |
| Noninterest expense to average assets | 3.3522% | 579 |
| Loan and lease loss provision to assets | 0.4000% | 177 |
| Net operating income to assets | 0.9746% | 2,656 |
| Return on assets (ROA) | 0.9629% | 2,653 |
| Pretax return on assets | 1.2801% | 2,160 |
| Return on Equity (ROE) | 9.4400% | 2,985 |
| Retained earnings to average equity (ytd only) | 9.4355% | 1,340 |
| Net charge-offs to loans | 0.5279% | 134 |
| Credit loss provision to net charge-offs | 108.8889% | 1,512 |
| Earnings coverage of net charge-offs (x) | 4.5911% | 2,409 |
| Efficiency ratio | 66.3846% | 2,166 |
| Assets per employee ($millions) | 3.7349% | 4,371 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5570% | 1,055 |
| Loan loss allowance to noncurrent loans | 125.6075% | 3,156 |
| Noncurrent assets plus other real estate owned to assets | 0.8426% | 548 |
| Noncurrent loans to loans | 1.2396% | 562 |
| Net loans and leases to total assets | 66.9200% | 1,939 |
| Net loans and leases to deposits | 74.4072% | 2,223 |
| Net loans and leases to core deposits | 80.7941% | 2,088 |
| Total domestic deposits to total assets | 89.9300% | 1,390 |
| Equity capital to assets | 10.0405% | 1,687 |
| Core capital (leverage) ratio | 10.6561% | 2,064 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $60,855,000 | 4,327 |
| Average earning assets | $57,445,800 | 4,294 |
| Average equity | $6,210,600 | 4,305 |
| Average total loans | $42,621,000 | 4,016 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7962% | 288 |
| Cost of funding earning assets | 0.2324% | 2,902 |
| Net interest margin | 4.5638% | 214 |
| Noninterest income to average assets | 0.6600% | 1,473 |
| Noninterest expense to average assets | 3.2693% | 620 |
| Loan and lease loss provision to assets | 0.4100% | 134 |
| Net operating income to assets | 0.9748% | 2,567 |
| Return on assets (ROA) | 0.9591% | 2,600 |
| Pretax return on assets | 1.2670% | 2,152 |
| Return on Equity (ROE) | 9.3600% | 2,918 |
| Retained earnings to average equity (ytd only) | 9.3576% | 1,535 |
| Net charge-offs to loans | 0.8097% | 65 |
| Credit loss provision to net charge-offs | 71.7054% | 1,448 |
| Earnings coverage of net charge-offs (x) | 2.9690% | 2,225 |
| Efficiency ratio | 65.8341% | 2,300 |
| Assets per employee ($millions) | 3.7224% | 4,424 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3415% | 1,838 |
| Loan loss allowance to noncurrent loans | 93.0868% | 3,423 |
| Noncurrent assets plus other real estate owned to assets | 0.9829% | 456 |
| Noncurrent loans to loans | 1.4411% | 492 |
| Net loans and leases to total assets | 67.2900% | 1,755 |
| Net loans and leases to deposits | 74.6599% | 1,985 |
| Net loans and leases to core deposits | 79.8811% | 1,911 |
| Total domestic deposits to total assets | 90.1300% | 1,604 |
| Equity capital to assets | 9.8165% | 1,717 |
| Core capital (leverage) ratio | 10.5160% | 2,101 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $60,195,500 | 4,369 |
| Average earning assets | $56,793,500 | 4,333 |
| Average equity | $6,169,500 | 4,356 |
| Average total loans | $42,486,250 | 4,044 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6439% | 279 |
| Cost of funding earning assets | 0.2222% | 2,622 |
| Net interest margin | 4.4217% | 216 |
| Noninterest income to average assets | 0.6930% | 1,371 |
| Noninterest expense to average assets | 3.2856% | 558 |
| Loan and lease loss provision to assets | 0.4225% | 133 |
| Net operating income to assets | 0.8653% | 2,710 |
| Return on assets (ROA) | 0.8653% | 2,685 |
| Pretax return on assets | 1.1560% | 2,224 |
| Return on Equity (ROE) | 8.3180% | 2,929 |
| Retained earnings to average equity (ytd only) | 8.3180% | 1,504 |
| Net charge-offs to loans | 1.2257% | 49 |
| Credit loss provision to net charge-offs | 48.2625% | 1,505 |
| Earnings coverage of net charge-offs (x) | 1.8031% | 2,051 |
| Efficiency ratio | 67.5469% | 2,306 |
| Assets per employee ($millions) | 3.5471% | 4,535 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2069% | 2,653 |
| Loan loss allowance to noncurrent loans | 82.7476% | 3,520 |
| Noncurrent assets plus other real estate owned to assets | 1.0381% | 440 |
| Noncurrent loans to loans | 1.4586% | 513 |
| Net loans and leases to total assets | 70.3167% | 1,273 |
| Net loans and leases to deposits | 78.4593% | 1,507 |
| Net loans and leases to core deposits | 83.8627% | 1,461 |
| Total domestic deposits to total assets | 89.6219% | 1,891 |
| Equity capital to assets | 10.1973% | 1,590 |
| Core capital (leverage) ratio | 10.7219% | 1,784 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $59,167,000 | 4,423 |
| Average earning assets | $55,815,667 | 4,406 |
| Average equity | $6,155,333 | 4,400 |
| Average total loans | $42,261,000 | 4,100 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5323% | 290 |
| Cost of funding earning assets | 0.2175% | 2,561 |
| Net interest margin | 4.3147% | 232 |
| Noninterest income to average assets | 0.6280% | 1,571 |
| Noninterest expense to average assets | 3.2764% | 557 |
| Loan and lease loss provision to assets | 0.4096% | 127 |
| Net operating income to assets | 0.7782% | 2,738 |
| Return on assets (ROA) | 0.7782% | 2,733 |
| Pretax return on assets | 1.0034% | 2,430 |
| Return on Equity (ROE) | 7.4044% | 2,908 |
| Retained earnings to average equity (ytd only) | 7.4044% | 1,765 |
| Net charge-offs to loans | -0.0095% | 3,568 |
| Credit loss provision to net charge-offs | -6,000.0000% | 3,524 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8690% | 2,251 |
| Assets per employee ($millions) | 3.5129% | 4,555 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6923% | 1,069 |
| Loan loss allowance to noncurrent loans | 71.7304% | 3,638 |
| Noncurrent assets plus other real estate owned to assets | 1.6645% | 205 |
| Noncurrent loans to loans | 2.3593% | 268 |
| Net loans and leases to total assets | 69.3548% | 1,077 |
| Net loans and leases to deposits | 77.3705% | 1,337 |
| Net loans and leases to core deposits | 82.7946% | 1,309 |
| Total domestic deposits to total assets | 89.6398% | 1,746 |
| Equity capital to assets | 10.2765% | 1,703 |
| Core capital (leverage) ratio | 10.7030% | 1,683 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $58,600,500 | 4,457 |
| Average earning assets | $55,160,000 | 4,434 |
| Average equity | $6,158,500 | 4,450 |
| Average total loans | $41,932,000 | 4,122 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0572% | 247 |
| Cost of funding earning assets | 0.2721% | 2,685 |
| Net interest margin | 4.7852% | 180 |
| Noninterest income to average assets | 0.6085% | 2,116 |
| Noninterest expense to average assets | 3.5840% | 438 |
| Loan and lease loss provision to assets | 0.4075% | 166 |
| Net operating income to assets | 0.8132% | 3,294 |
| Return on assets (ROA) | 0.8132% | 3,364 |
| Pretax return on assets | 1.1084% | 2,938 |
| Return on Equity (ROE) | 7.4906% | 3,376 |
| Retained earnings to average equity (ytd only) | 7.4906% | 1,726 |
| Net charge-offs to loans | 0.4292% | 193 |
| Credit loss provision to net charge-offs | 130.8140% | 1,573 |
| Earnings coverage of net charge-offs (x) | 4.8663% | 2,477 |
| Efficiency ratio | 70.2770% | 1,703 |
| Assets per employee ($millions) | 3.3813% | 4,618 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5623% | 1,355 |
| Loan loss allowance to noncurrent loans | 20.1983% | 4,082 |
| Noncurrent assets plus other real estate owned to assets | 5.6157% | 18 |
| Noncurrent loans to loans | 7.7349% | 27 |
| Net loans and leases to total assets | 71.4676% | 883 |
| Net loans and leases to deposits | 80.0893% | 1,207 |
| Net loans and leases to core deposits | 85.8322% | 1,215 |
| Total domestic deposits to total assets | 89.2349% | 1,391 |
| Equity capital to assets | 10.7512% | 1,974 |
| Core capital (leverage) ratio | 11.0332% | 1,550 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $55,217,000 | 4,503 |
| Average earning assets | $51,826,600 | 4,490 |
| Average equity | $5,994,200 | 4,530 |
| Average total loans | $40,077,200 | 4,186 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1828% | 228 |
| Cost of funding earning assets | 0.2862% | 2,737 |
| Net interest margin | 4.8966% | 176 |
| Noninterest income to average assets | 0.6172% | 2,139 |
| Noninterest expense to average assets | 3.5497% | 432 |
| Loan and lease loss provision to assets | 0.5489% | 94 |
| Net operating income to assets | 0.8100% | 3,504 |
| Return on assets (ROA) | 0.8100% | 3,573 |
| Pretax return on assets | 1.1101% | 3,174 |
| Return on Equity (ROE) | 7.4424% | 3,552 |
| Retained earnings to average equity (ytd only) | 7.4424% | 2,255 |
| Net charge-offs to loans | 0.6723% | 118 |
| Credit loss provision to net charge-offs | 112.5000% | 1,495 |
| Earnings coverage of net charge-offs (x) | 3.4000% | 2,313 |
| Efficiency ratio | 68.1499% | 1,803 |
| Assets per employee ($millions) | 3.1313% | 4,733 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5316% | 1,519 |
| Loan loss allowance to noncurrent loans | 34.3802% | 4,096 |
| Noncurrent assets plus other real estate owned to assets | 3.2201% | 70 |
| Noncurrent loans to loans | 4.4549% | 97 |
| Net loans and leases to total assets | 71.1766% | 964 |
| Net loans and leases to deposits | 79.9577% | 1,295 |
| Net loans and leases to core deposits | 86.3663% | 1,270 |
| Total domestic deposits to total assets | 89.0178% | 1,265 |
| Equity capital to assets | 10.8544% | 2,119 |
| Core capital (leverage) ratio | 10.8915% | 1,745 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $54,650,750 | 4,575 |
| Average earning assets | $51,245,000 | 4,557 |
| Average equity | $5,947,750 | 4,600 |
| Average total loans | $39,663,250 | 4,251 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4099% | 195 |
| Cost of funding earning assets | 0.3006% | 2,771 |
| Net interest margin | 5.1094% | 147 |
| Noninterest income to average assets | 0.6176% | 2,139 |
| Noninterest expense to average assets | 3.6354% | 393 |
| Loan and lease loss provision to assets | 0.7766% | 52 |
| Net operating income to assets | 0.7175% | 3,716 |
| Return on assets (ROA) | 0.7175% | 3,780 |
| Pretax return on assets | 0.9837% | 3,478 |
| Return on Equity (ROE) | 6.5863% | 3,757 |
| Retained earnings to average equity (ytd only) | 6.5863% | 2,588 |
| Net charge-offs to loans | 0.8752% | 94 |
| Credit loss provision to net charge-offs | 122.0930% | 1,251 |
| Earnings coverage of net charge-offs (x) | 2.7674% | 2,107 |
| Efficiency ratio | 67.3749% | 1,953 |
| Assets per employee ($millions) | 3.2304% | 4,745 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6147% | 1,239 |
| Loan loss allowance to noncurrent loans | 34.3026% | 4,118 |
| Noncurrent assets plus other real estate owned to assets | 3.3815% | 79 |
| Noncurrent loans to loans | 4.7071% | 95 |
| Net loans and leases to total assets | 70.6776% | 1,133 |
| Net loans and leases to deposits | 79.4360% | 1,473 |
| Net loans and leases to core deposits | 85.1838% | 1,479 |
| Total domestic deposits to total assets | 88.9743% | 1,295 |
| Equity capital to assets | 10.8910% | 2,074 |
| Core capital (leverage) ratio | 10.7913% | 1,736 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $54,079,667 | 4,611 |
| Average earning assets | $50,573,667 | 4,595 |
| Average equity | $5,891,000 | 4,631 |
| Average total loans | $39,303,667 | 4,296 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9887% | 362 |
| Cost of funding earning assets | 0.3183% | 2,811 |
| Net interest margin | 4.6705% | 274 |
| Noninterest income to average assets | 0.6262% | 2,104 |
| Noninterest expense to average assets | 3.5855% | 422 |
| Loan and lease loss provision to assets | 0.7827% | 63 |
| Net operating income to assets | 0.4696% | 4,236 |
| Return on assets (ROA) | 0.4696% | 4,272 |
| Pretax return on assets | 0.6336% | 4,137 |
| Return on Equity (ROE) | 4.3106% | 4,223 |
| Retained earnings to average equity (ytd only) | 4.3106% | 3,414 |
| Net charge-offs to loans | 1.6518% | 45 |
| Credit loss provision to net charge-offs | 64.8148% | 1,263 |
| Earnings coverage of net charge-offs (x) | 1.1728% | 1,864 |
| Efficiency ratio | 71.6841% | 1,528 |
| Assets per employee ($millions) | 3.2401% | 4,777 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3789% | 2,056 |
| Loan loss allowance to noncurrent loans | 28.4664% | 4,229 |
| Noncurrent assets plus other real estate owned to assets | 3.4567% | 76 |
| Noncurrent loans to loans | 4.8440% | 88 |
| Net loans and leases to total assets | 70.3751% | 1,240 |
| Net loans and leases to deposits | 78.8239% | 1,633 |
| Net loans and leases to core deposits | 84.5213% | 1,633 |
| Total domestic deposits to total assets | 89.2814% | 1,181 |
| Equity capital to assets | 10.6514% | 2,131 |
| Core capital (leverage) ratio | 10.8726% | 1,801 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $53,661,000 | 4,634 |
| Average earning assets | $50,273,500 | 4,614 |
| Average equity | $5,846,000 | 4,652 |
| Average total loans | $39,230,000 | 4,320 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2560% | 296 |
| Cost of funding earning assets | 0.4524% | 3,266 |
| Net interest margin | 4.8036% | 172 |
| Noninterest income to average assets | 0.6077% | 2,190 |
| Noninterest expense to average assets | 3.6797% | 542 |
| Loan and lease loss provision to assets | 0.7033% | 226 |
| Net operating income to assets | 0.5541% | 3,891 |
| Return on assets (ROA) | 0.5570% | 3,981 |
| Pretax return on assets | 0.7089% | 3,866 |
| Return on Equity (ROE) | 5.1304% | 3,867 |
| Retained earnings to average equity (ytd only) | 3.7485% | 2,953 |
| Net charge-offs to loans | 1.0406% | 122 |
| Credit loss provision to net charge-offs | 95.6633% | 2,881 |
| Earnings coverage of net charge-offs (x) | 1.9158% | 3,221 |
| Efficiency ratio | 72.3185% | 1,641 |
| Assets per employee ($millions) | 3.2650% | 4,732 |
| Cash dividends to net income (ytd only)* | 26.9360% | 2,977 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5299% | 1,482 |
| Loan loss allowance to noncurrent loans | 28.2547% | 4,298 |
| Noncurrent assets plus other real estate owned to assets | 4.0582% | 61 |
| Noncurrent loans to loans | 5.4145% | 69 |
| Net loans and leases to total assets | 73.8036% | 1,049 |
| Net loans and leases to deposits | 84.9192% | 1,370 |
| Net loans and leases to core deposits | 91.3452% | 1,436 |
| Total domestic deposits to total assets | 86.9104% | 1,981 |
| Equity capital to assets | 11.1505% | 2,134 |
| Core capital (leverage) ratio | 10.8318% | 1,907 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $53,320,000 | 4,608 |
| Average earning assets | $49,733,200 | 4,587 |
| Average equity | $5,789,000 | 4,663 |
| Average total loans | $37,669,000 | 4,361 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2812% | 353 |
| Cost of funding earning assets | 0.4857% | 3,319 |
| Net interest margin | 4.7955% | 205 |
| Noninterest income to average assets | 0.6021% | 2,169 |
| Noninterest expense to average assets | 3.6797% | 552 |
| Loan and lease loss provision to assets | 0.4721% | 653 |
| Net operating income to assets | 0.6778% | 3,528 |
| Return on assets (ROA) | 0.6817% | 3,623 |
| Pretax return on assets | 0.9255% | 3,312 |
| Return on Equity (ROE) | 6.3205% | 3,441 |
| Retained earnings to average equity (ytd only) | 6.3205% | 1,963 |
| Net charge-offs to loans | 1.2261% | 103 |
| Credit loss provision to net charge-offs | 55.3936% | 2,870 |
| Earnings coverage of net charge-offs (x) | 1.6327% | 3,058 |
| Efficiency ratio | 72.5356% | 1,578 |
| Assets per employee ($millions) | 3.0816% | 4,817 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2119% | 2,598 |
| Loan loss allowance to noncurrent loans | 20.6236% | 4,400 |
| Noncurrent assets plus other real estate owned to assets | 4.2853% | 73 |
| Noncurrent loans to loans | 5.8765% | 76 |
| Net loans and leases to total assets | 72.0394% | 1,657 |
| Net loans and leases to deposits | 81.3713% | 2,161 |
| Net loans and leases to core deposits | 87.5049% | 2,189 |
| Total domestic deposits to total assets | 88.5317% | 963 |
| Equity capital to assets | 11.2659% | 2,176 |
| Core capital (leverage) ratio | 10.6434% | 2,151 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $53,590,000 | 4,624 |
| Average earning assets | $49,962,000 | 4,606 |
| Average equity | $5,780,000 | 4,688 |
| Average total loans | $37,297,750 | 4,391 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2482% | 521 |
| Cost of funding earning assets | 0.5292% | 3,354 |
| Net interest margin | 4.7190% | 325 |
| Noninterest income to average assets | 0.5742% | 2,235 |
| Noninterest expense to average assets | 3.5932% | 662 |
| Loan and lease loss provision to assets | 0.3890% | 1,054 |
| Net operating income to assets | 0.7223% | 3,314 |
| Return on assets (ROA) | 0.7223% | 3,420 |
| Pretax return on assets | 0.9854% | 3,071 |
| Return on Equity (ROE) | 6.7952% | 3,207 |
| Retained earnings to average equity (ytd only) | 6.7952% | 1,742 |
| Net charge-offs to loans | 1.1623% | 118 |
| Credit loss provision to net charge-offs | 48.8372% | 2,631 |
| Earnings coverage of net charge-offs (x) | 1.7256% | 2,832 |
| Efficiency ratio | 72.3341% | 1,638 |
| Assets per employee ($millions) | 3.1909% | 4,790 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3365% | 1,843 |
| Loan loss allowance to noncurrent loans | 451.7857% | 1,093 |
| Noncurrent assets plus other real estate owned to assets | 0.6250% | 1,948 |
| Noncurrent loans to loans | 0.2958% | 3,325 |
| Net loans and leases to total assets | 65.0341% | 2,750 |
| Net loans and leases to deposits | 72.5992% | 3,205 |
| Net loans and leases to core deposits | 77.9487% | 3,111 |
| Total domestic deposits to total assets | 89.5797% | 542 |
| Equity capital to assets | 10.2009% | 3,020 |
| Core capital (leverage) ratio | 10.3714% | 2,465 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $53,990,667 | 4,638 |
| Average earning assets | $50,265,000 | 4,614 |
| Average equity | $5,739,333 | 4,718 |
| Average total loans | $36,996,000 | 4,408 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3392% | 511 |
| Cost of funding earning assets | 0.5503% | 3,690 |
| Net interest margin | 4.7888% | 281 |
| Noninterest income to average assets | 0.6888% | 1,684 |
| Noninterest expense to average assets | 3.6963% | 702 |
| Loan and lease loss provision to assets | 0.3444% | 893 |
| Net operating income to assets | 0.8112% | 2,869 |
| Return on assets (ROA) | 0.8112% | 2,957 |
| Pretax return on assets | 1.1097% | 2,483 |
| Return on Equity (ROE) | 7.4654% | 2,750 |
| Retained earnings to average equity (ytd only) | 7.4654% | 1,390 |
| Net charge-offs to loans | 2.4614% | 53 |
| Credit loss provision to net charge-offs | 20.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 0.8444% | 2,439 |
| Efficiency ratio | 71.7682% | 2,112 |
| Assets per employee ($millions) | 3.0219% | 4,784 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1612% | 2,872 |
| Loan loss allowance to noncurrent loans | 343.3071% | 1,360 |
| Noncurrent assets plus other real estate owned to assets | 0.6876% | 1,942 |
| Noncurrent loans to loans | 0.3382% | 3,283 |
| Net loans and leases to total assets | 68.2263% | 2,506 |
| Net loans and leases to deposits | 78.0528% | 2,883 |
| Net loans and leases to core deposits | 84.3470% | 2,821 |
| Total domestic deposits to total assets | 87.4104% | 1,377 |
| Equity capital to assets | 10.5931% | 3,234 |
| Core capital (leverage) ratio | 10.8398% | 2,610 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $52,268,000 | 4,678 |
| Average earning assets | $48,696,500 | 4,661 |
| Average equity | $5,679,500 | 4,761 |
| Average total loans | $36,564,500 | 4,440 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4011% | 663 |
| Cost of funding earning assets | 0.4071% | 4,424 |
| Net interest margin | 4.9940% | 278 |
| Noninterest income to average assets | 0.7760% | 1,525 |
| Noninterest expense to average assets | 3.9298% | 578 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.1402% | 2,292 |
| Return on assets (ROA) | 1.1402% | 2,392 |
| Pretax return on assets | 1.5169% | 1,755 |
| Return on Equity (ROE) | 10.2200% | 2,196 |
| Retained earnings to average equity (ytd only) | 7.9942% | 976 |
| Net charge-offs to loans | 0.4770% | 397 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 4.5813% | 3,199 |
| Efficiency ratio | 72.1505% | 1,846 |
| Assets per employee ($millions) | 2.7857% | 4,915 |
| Cash dividends to net income (ytd only)* | 21.7786% | 3,421 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7312% | 746 |
| Loan loss allowance to noncurrent loans | 225.6410% | 1,913 |
| Noncurrent assets plus other real estate owned to assets | 1.0371% | 1,203 |
| Noncurrent loans to loans | 0.7672% | 1,979 |
| Net loans and leases to total assets | 69.7340% | 2,445 |
| Net loans and leases to deposits | 78.5206% | 2,954 |
| Net loans and leases to core deposits | 82.9916% | 3,041 |
| Total domestic deposits to total assets | 88.8098% | 745 |
| Equity capital to assets | 11.1623% | 2,847 |
| Core capital (leverage) ratio | 11.2624% | 2,283 |
| Tier 1 risk-based capital ratio | 14.3234% | 3,104 |
| Total risk-based capital ratio | 15.5759% | 3,013 |
| Memoranda: | ||
| Average total assets | $48,323,000 | 4,780 |
| Average earning assets | $45,194,200 | 4,762 |
| Average equity | $5,391,400 | 4,839 |
| Average total loans | $33,546,200 | 4,564 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3996% | 695 |
| Cost of funding earning assets | 0.3848% | 4,551 |
| Net interest margin | 5.0148% | 282 |
| Noninterest income to average assets | 0.7743% | 1,508 |
| Noninterest expense to average assets | 3.9273% | 573 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.1169% | 2,506 |
| Return on assets (ROA) | 1.1169% | 2,596 |
| Pretax return on assets | 1.5292% | 1,875 |
| Return on Equity (ROE) | 10.0122% | 2,422 |
| Retained earnings to average equity (ytd only) | 10.0122% | 746 |
| Net charge-offs to loans | 0.6578% | 244 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 3.3681% | 3,106 |
| Efficiency ratio | 71.9755% | 1,838 |
| Assets per employee ($millions) | 2.8212% | 4,968 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7922% | 692 |
| Loan loss allowance to noncurrent loans | 747.5610% | 719 |
| Noncurrent assets plus other real estate owned to assets | 0.6860% | 1,978 |
| Noncurrent loans to loans | 0.2397% | 3,683 |
| Net loans and leases to total assets | 70.0375% | 2,468 |
| Net loans and leases to deposits | 79.3771% | 2,964 |
| Net loans and leases to core deposits | 83.6030% | 3,131 |
| Total domestic deposits to total assets | 88.2339% | 940 |
| Equity capital to assets | 11.6264% | 2,576 |
| Core capital (leverage) ratio | 11.5230% | 2,197 |
| Tier 1 risk-based capital ratio | 15.0180% | 2,834 |
| Total risk-based capital ratio | 16.2729% | 2,768 |
| Memoranda: | ||
| Average total assets | $47,868,250 | 4,853 |
| Average earning assets | $44,693,500 | 4,840 |
| Average equity | $5,340,000 | 4,909 |
| Average total loans | $33,037,250 | 4,641 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3614% | 725 |
| Cost of funding earning assets | 0.3682% | 4,625 |
| Net interest margin | 4.9932% | 292 |
| Noninterest income to average assets | 0.7400% | 1,559 |
| Noninterest expense to average assets | 3.9467% | 573 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.0577% | 2,690 |
| Return on assets (ROA) | 1.0577% | 2,754 |
| Pretax return on assets | 1.4424% | 2,055 |
| Return on Equity (ROE) | 9.6173% | 2,579 |
| Retained earnings to average equity (ytd only) | 9.6173% | 875 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2351% | 1,742 |
| Assets per employee ($millions) | 2.8049% | 5,010 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3688% | 267 |
| Loan loss allowance to noncurrent loans | 551.0638% | 938 |
| Noncurrent assets plus other real estate owned to assets | 0.2957% | 3,366 |
| Noncurrent loans to loans | 0.4299% | 2,991 |
| Net loans and leases to total assets | 67.1588% | 2,943 |
| Net loans and leases to deposits | 76.0304% | 3,331 |
| Net loans and leases to core deposits | 80.6975% | 3,366 |
| Total domestic deposits to total assets | 88.3315% | 950 |
| Equity capital to assets | 11.3896% | 2,711 |
| Core capital (leverage) ratio | 11.1714% | 2,441 |
| Tier 1 risk-based capital ratio | 15.3223% | 2,698 |
| Total risk-based capital ratio | 16.5837% | 2,622 |
| Memoranda: | ||
| Average total assets | $47,837,670 | 4,891 |
| Average earning assets | $44,540,670 | 4,881 |
| Average equity | $5,261,330 | 4,951 |
| Average total loans | $32,648,670 | 4,689 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3269% | 721 |
| Cost of funding earning assets | 0.3581% | 4,651 |
| Net interest margin | 4.9688% | 297 |
| Noninterest income to average assets | 0.7597% | 1,401 |
| Noninterest expense to average assets | 3.7817% | 668 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.1854% | 2,112 |
| Return on assets (ROA) | 1.1854% | 2,159 |
| Pretax return on assets | 1.6112% | 1,440 |
| Return on Equity (ROE) | 10.9727% | 1,958 |
| Retained earnings to average equity (ytd only) | 10.9727% | 809 |
| Net charge-offs to loans | 0.0982% | 1,155 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 24.1250% | 1,455 |
| Efficiency ratio | 70.1238% | 2,320 |
| Assets per employee ($millions) | 2.8711% | 5,043 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3866% | 273 |
| Loan loss allowance to noncurrent loans | 783.6735% | 744 |
| Noncurrent assets plus other real estate owned to assets | 0.2008% | 3,812 |
| Noncurrent loans to loans | 0.3045% | 3,474 |
| Net loans and leases to total assets | 64.3570% | 3,241 |
| Net loans and leases to deposits | 72.3562% | 3,577 |
| Net loans and leases to core deposits | 76.6520% | 3,618 |
| Total domestic deposits to total assets | 88.9447% | 882 |
| Equity capital to assets | 10.7787% | 3,065 |
| Core capital (leverage) ratio | 10.9887% | 2,584 |
| Tier 1 risk-based capital ratio | 15.1952% | 2,794 |
| Total risk-based capital ratio | 16.4552% | 2,700 |
| Memoranda: | ||
| Average total assets | $47,914,500 | 4,938 |
| Average earning assets | $44,679,000 | 4,927 |
| Average equity | $5,176,500 | 5,007 |
| Average total loans | $32,572,500 | 4,738 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8542% | 1,407 |
| Cost of funding earning assets | 0.2745% | 4,684 |
| Net interest margin | 4.5796% | 633 |
| Noninterest income to average assets | 0.7602% | 1,605 |
| Noninterest expense to average assets | 3.4273% | 1,106 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.1842% | 2,245 |
| Return on assets (ROA) | 1.1842% | 2,240 |
| Pretax return on assets | 1.6186% | 1,408 |
| Return on Equity (ROE) | 11.6327% | 1,851 |
| Retained earnings to average equity (ytd only) | 9.1707% | 807 |
| Net charge-offs to loans | 0.6320% | 268 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 3.9340% | 3,362 |
| Efficiency ratio | 67.9222% | 2,562 |
| Assets per employee ($millions) | 3.1347% | 4,900 |
| Cash dividends to net income (ytd only)* | 21.1640% | 3,434 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3540% | 267 |
| Loan loss allowance to noncurrent loans | 587.8788% | 959 |
| Noncurrent assets plus other real estate owned to assets | 0.2807% | 3,459 |
| Noncurrent loans to loans | 0.4004% | 3,094 |
| Net loans and leases to total assets | 68.4581% | 2,812 |
| Net loans and leases to deposits | 76.8876% | 3,285 |
| Net loans and leases to core deposits | 81.1113% | 3,342 |
| Total domestic deposits to total assets | 89.0366% | 840 |
| Equity capital to assets | 10.8294% | 2,865 |
| Core capital (leverage) ratio | 10.7663% | 2,772 |
| Tier 1 risk-based capital ratio | 14.6776% | 2,972 |
| Total risk-based capital ratio | 15.9372% | 2,896 |
| Memoranda: | ||
| Average total assets | $47,880,400 | 4,977 |
| Average earning assets | $44,807,000 | 4,961 |
| Average equity | $4,874,200 | 5,066 |
| Average total loans | $31,169,800 | 4,788 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7093% | 1,646 |
| Cost of funding earning assets | 0.2542% | 4,762 |
| Net interest margin | 4.4551% | 811 |
| Noninterest income to average assets | 0.7485% | 1,681 |
| Noninterest expense to average assets | 3.3100% | 1,282 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.1837% | 2,298 |
| Return on assets (ROA) | 1.1837% | 2,304 |
| Pretax return on assets | 1.6162% | 1,527 |
| Return on Equity (ROE) | 11.8122% | 1,872 |
| Retained earnings to average equity (ytd only) | 11.8122% | 508 |
| Net charge-offs to loans | 0.3906% | 417 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 6.4776% | 2,882 |
| Efficiency ratio | 67.1919% | 2,683 |
| Assets per employee ($millions) | 3.6755% | 4,339 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7848% | 174 |
| Loan loss allowance to noncurrent loans | 321.0909% | 1,575 |
| Noncurrent assets plus other real estate owned to assets | 0.5755% | 2,457 |
| Noncurrent loans to loans | 0.8673% | 1,968 |
| Net loans and leases to total assets | 64.5131% | 3,362 |
| Net loans and leases to deposits | 72.4187% | 3,739 |
| Net loans and leases to core deposits | 76.3260% | 3,779 |
| Total domestic deposits to total assets | 89.0835% | 822 |
| Equity capital to assets | 10.5460% | 3,098 |
| Core capital (leverage) ratio | 10.4719% | 3,110 |
| Tier 1 risk-based capital ratio | 15.1743% | 2,803 |
| Total risk-based capital ratio | 16.4398% | 2,719 |
| Memoranda: | ||
| Average total assets | $48,095,500 | 5,026 |
| Average earning assets | $45,100,750 | 5,006 |
| Average equity | $4,819,750 | 5,135 |
| Average total loans | $30,721,000 | 4,855 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5959% | 1,795 |
| Cost of funding earning assets | 0.2307% | 4,849 |
| Net interest margin | 4.3652% | 919 |
| Noninterest income to average assets | 0.7510% | 1,642 |
| Noninterest expense to average assets | 3.3859% | 1,153 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.0456% | 2,830 |
| Return on assets (ROA) | 1.0456% | 2,824 |
| Pretax return on assets | 1.4481% | 1,991 |
| Return on Equity (ROE) | 10.6180% | 2,270 |
| Retained earnings to average equity (ytd only) | 10.6180% | 761 |
| Net charge-offs to loans | 0.4212% | 368 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 5.4531% | 2,707 |
| Efficiency ratio | 70.0429% | 2,308 |
| Assets per employee ($millions) | 3.1931% | 4,938 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9068% | 161 |
| Loan loss allowance to noncurrent loans | 322.3404% | 1,559 |
| Noncurrent assets plus other real estate owned to assets | 0.5888% | 2,464 |
| Noncurrent loans to loans | 0.9018% | 1,918 |
| Net loans and leases to total assets | 63.3902% | 3,465 |
| Net loans and leases to deposits | 70.7129% | 3,801 |
| Net loans and leases to core deposits | 73.9005% | 3,886 |
| Total domestic deposits to total assets | 89.6444% | 689 |
| Equity capital to assets | 10.1551% | 3,484 |
| Core capital (leverage) ratio | 10.2576% | 3,284 |
| Tier 1 risk-based capital ratio | 14.8653% | 2,940 |
| Total risk-based capital ratio | 16.1338% | 2,849 |
| Memoranda: | ||
| Average total assets | $48,200,330 | 5,084 |
| Average earning assets | $45,083,330 | 5,068 |
| Average equity | $4,746,670 | 5,205 |
| Average total loans | $30,392,000 | 4,920 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4898% | 1,900 |
| Cost of funding earning assets | 0.2125% | 4,940 |
| Net interest margin | 4.2773% | 986 |
| Noninterest income to average assets | 0.7363% | 1,677 |
| Noninterest expense to average assets | 3.1932% | 1,579 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.2161% | 1,942 |
| Return on assets (ROA) | 1.2161% | 1,950 |
| Pretax return on assets | 1.5387% | 1,570 |
| Return on Equity (ROE) | 12.5427% | 1,401 |
| Retained earnings to average equity (ytd only) | 12.5427% | 592 |
| Net charge-offs to loans | -0.0534% | 4,998 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4825% | 2,923 |
| Assets per employee ($millions) | 3.2871% | 4,912 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1838% | 122 |
| Loan loss allowance to noncurrent loans | 381.6406% | 1,372 |
| Noncurrent assets plus other real estate owned to assets | 0.5679% | 2,621 |
| Noncurrent loans to loans | 0.8342% | 2,154 |
| Net loans and leases to total assets | 60.2551% | 3,730 |
| Net loans and leases to deposits | 66.7281% | 4,041 |
| Net loans and leases to core deposits | 70.3012% | 4,069 |
| Total domestic deposits to total assets | 90.2996% | 542 |
| Equity capital to assets | 9.6376% | 3,954 |
| Core capital (leverage) ratio | 9.9080% | 3,631 |
| Tier 1 risk-based capital ratio | 14.5061% | 3,116 |
| Total risk-based capital ratio | 15.7744% | 3,015 |
| Memoranda: | ||
| Average total assets | $48,352,000 | 5,137 |
| Average earning assets | $45,169,000 | 5,126 |
| Average equity | $4,688,000 | 5,265 |
| Average total loans | $29,952,500 | 4,976 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4490% | 1,884 |
| Cost of funding earning assets | 0.2223% | 4,772 |
| Net interest margin | 4.2267% | 1,134 |
| Noninterest income to average assets | 0.9299% | 1,190 |
| Noninterest expense to average assets | 3.3964% | 1,202 |
| Loan and lease loss provision to assets | 0.1528% | 1,478 |
| Net operating income to assets | 0.8425% | 2,985 |
| Return on assets (ROA) | 0.8425% | 3,011 |
| Pretax return on assets | 1.2398% | 2,596 |
| Return on Equity (ROE) | 8.4089% | 2,601 |
| Retained earnings to average equity (ytd only) | 5.7947% | 1,658 |
| Net charge-offs to loans | 0.4208% | 588 |
| Credit loss provision to net charge-offs | 61.9469% | 3,196 |
| Earnings coverage of net charge-offs (x) | 5.6460% | 3,295 |
| Efficiency ratio | 70.9207% | 2,413 |
| Assets per employee ($millions) | 3.1631% | 5,066 |
| Cash dividends to net income (ytd only)* | 31.0881% | 3,260 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3301% | 99 |
| Loan loss allowance to noncurrent loans | 360.3704% | 1,440 |
| Noncurrent assets plus other real estate owned to assets | 0.6197% | 2,473 |
| Noncurrent loans to loans | 0.9241% | 1,933 |
| Net loans and leases to total assets | 59.5308% | 3,872 |
| Net loans and leases to deposits | 66.0563% | 4,186 |
| Net loans and leases to core deposits | 69.7735% | 4,191 |
| Total domestic deposits to total assets | 90.1214% | 530 |
| Equity capital to assets | 9.8491% | 3,869 |
| Core capital (leverage) ratio | 9.9207% | 3,554 |
| Tier 1 risk-based capital ratio | 15.0737% | 2,817 |
| Total risk-based capital ratio | 16.3453% | 2,746 |
| Memoranda: | ||
| Average total assets | $45,813,800 | 5,235 |
| Average earning assets | $41,829,400 | 5,237 |
| Average equity | $4,590,400 | 5,335 |
| Average total loans | $26,855,800 | 5,099 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4088% | 1,939 |
| Cost of funding earning assets | 0.2227% | 4,789 |
| Net interest margin | 4.1861% | 1,182 |
| Noninterest income to average assets | 0.8985% | 1,274 |
| Noninterest expense to average assets | 3.4092% | 1,139 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.8809% | 3,125 |
| Return on assets (ROA) | 0.8809% | 3,170 |
| Pretax return on assets | 1.2979% | 2,505 |
| Return on Equity (ROE) | 8.7530% | 2,742 |
| Retained earnings to average equity (ytd only) | 8.7530% | 927 |
| Net charge-offs to loans | 0.5584% | 356 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 4.0183% | 3,276 |
| Efficiency ratio | 72.4267% | 2,151 |
| Assets per employee ($millions) | 3.1697% | 5,107 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1919% | 132 |
| Loan loss allowance to noncurrent loans | 328.2609% | 1,476 |
| Noncurrent assets plus other real estate owned to assets | 0.6310% | 2,618 |
| Noncurrent loans to loans | 0.9724% | 1,980 |
| Net loans and leases to total assets | 57.7937% | 4,081 |
| Net loans and leases to deposits | 64.3332% | 4,357 |
| Net loans and leases to core deposits | 67.9560% | 4,362 |
| Total domestic deposits to total assets | 89.8349% | 532 |
| Equity capital to assets | 9.9443% | 3,972 |
| Core capital (leverage) ratio | 9.8719% | 3,730 |
| Tier 1 risk-based capital ratio | 15.6808% | 2,638 |
| Total risk-based capital ratio | 16.9512% | 2,567 |
| Memoranda: | ||
| Average total assets | $45,405,750 | 5,296 |
| Average earning assets | $41,310,250 | 5,302 |
| Average equity | $4,569,750 | 5,395 |
| Average total loans | $26,265,250 | 5,171 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3733% | 1,904 |
| Cost of funding earning assets | 0.2167% | 4,826 |
| Net interest margin | 4.1566% | 1,181 |
| Noninterest income to average assets | 0.9442% | 1,143 |
| Noninterest expense to average assets | 3.4547% | 1,068 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.8547% | 3,134 |
| Return on assets (ROA) | 0.8547% | 3,185 |
| Pretax return on assets | 1.2664% | 2,511 |
| Return on Equity (ROE) | 8.4569% | 2,802 |
| Retained earnings to average equity (ytd only) | 8.4569% | 1,008 |
| Net charge-offs to loans | 0.4852% | 408 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 4.5645% | 2,909 |
| Efficiency ratio | 73.1754% | 2,155 |
| Assets per employee ($millions) | 3.2642% | 5,017 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6160% | 87 |
| Loan loss allowance to noncurrent loans | 239.6985% | 1,903 |
| Noncurrent assets plus other real estate owned to assets | 0.8619% | 2,057 |
| Noncurrent loans to loans | 1.5085% | 1,245 |
| Net loans and leases to total assets | 51.9351% | 4,576 |
| Net loans and leases to deposits | 57.3966% | 4,775 |
| Net loans and leases to core deposits | 60.2141% | 4,811 |
| Total domestic deposits to total assets | 90.4847% | 366 |
| Equity capital to assets | 9.4418% | 4,465 |
| Core capital (leverage) ratio | 9.9940% | 3,546 |
| Tier 1 risk-based capital ratio | 15.8841% | 2,550 |
| Total risk-based capital ratio | 17.1566% | 2,480 |
| Memoranda: | ||
| Average total assets | $44,692,670 | 5,349 |
| Average earning assets | $40,610,330 | 5,358 |
| Average equity | $4,517,000 | 5,439 |
| Average total loans | $25,559,000 | 5,230 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4261% | 1,568 |
| Cost of funding earning assets | 0.2182% | 4,815 |
| Net interest margin | 4.2080% | 973 |
| Noninterest income to average assets | 1.0621% | 892 |
| Noninterest expense to average assets | 3.6280% | 860 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.9117% | 2,703 |
| Return on assets (ROA) | 0.9117% | 2,757 |
| Pretax return on assets | 1.2407% | 2,448 |
| Return on Equity (ROE) | 8.6918% | 2,570 |
| Retained earnings to average equity (ytd only) | 8.6918% | 1,191 |
| Net charge-offs to loans | 0.0477% | 1,898 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 44.0000% | 967 |
| Efficiency ratio | 74.5174% | 2,142 |
| Assets per employee ($millions) | 3.2730% | 5,070 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1150% | 76 |
| Loan loss allowance to noncurrent loans | 147.4527% | 2,852 |
| Noncurrent assets plus other real estate owned to assets | 1.5517% | 1,016 |
| Noncurrent loans to loans | 2.7908% | 521 |
| Net loans and leases to total assets | 51.5124% | 4,558 |
| Net loans and leases to deposits | 57.2371% | 4,748 |
| Net loans and leases to core deposits | 60.2635% | 4,760 |
| Total domestic deposits to total assets | 89.9983% | 657 |
| Equity capital to assets | 9.8599% | 3,920 |
| Core capital (leverage) ratio | 10.7413% | 2,649 |
| Tier 1 risk-based capital ratio | 16.5192% | 2,353 |
| Total risk-based capital ratio | 17.7972% | 2,291 |
| Memoranda: | ||
| Average total assets | $42,557,500 | 5,454 |
| Average earning assets | $38,498,500 | 5,458 |
| Average equity | $4,464,000 | 5,500 |
| Average total loans | $25,147,000 | 5,295 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8877% | 758 |
| Cost of funding earning assets | 0.2459% | 4,603 |
| Net interest margin | 4.6418% | 468 |
| Noninterest income to average assets | 0.8426% | 1,610 |
| Noninterest expense to average assets | 3.9771% | 622 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.7271% | 3,654 |
| Return on assets (ROA) | 0.7523% | 3,644 |
| Pretax return on assets | 1.1159% | 3,042 |
| Return on Equity (ROE) | 6.8549% | 3,542 |
| Retained earnings to average equity (ytd only) | 4.1130% | 2,980 |
| Net charge-offs to loans | 0.2097% | 1,325 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 8.1132% | 2,921 |
| Efficiency ratio | 78.6706% | 1,594 |
| Assets per employee ($millions) | 2.8066% | 5,484 |
| Cash dividends to net income (ytd only)* | 40.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9568% | 80 |
| Loan loss allowance to noncurrent loans | 209.9174% | 2,174 |
| Noncurrent assets plus other real estate owned to assets | 1.2929% | 1,363 |
| Noncurrent loans to loans | 1.8850% | 986 |
| Net loans and leases to total assets | 62.7618% | 3,505 |
| Net loans and leases to deposits | 70.7227% | 3,834 |
| Net loans and leases to core deposits | 75.2273% | 3,818 |
| Total domestic deposits to total assets | 88.7435% | 1,240 |
| Equity capital to assets | 11.2234% | 2,393 |
| Core capital (leverage) ratio | 11.0981% | 2,259 |
| Tier 1 risk-based capital ratio | 16.5727% | 2,320 |
| Total risk-based capital ratio | 17.8530% | 2,251 |
| Memoranda: | ||
| Average total assets | $39,878,200 | 5,548 |
| Average earning assets | $36,192,800 | 5,539 |
| Average equity | $4,376,400 | 5,578 |
| Average total loans | $25,275,200 | 5,338 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8019% | 891 |
| Cost of funding earning assets | 0.2452% | 4,645 |
| Net interest margin | 4.5566% | 552 |
| Noninterest income to average assets | 0.8062% | 1,741 |
| Noninterest expense to average assets | 3.9275% | 646 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.6827% | 3,946 |
| Return on assets (ROA) | 0.7162% | 3,902 |
| Pretax return on assets | 1.0760% | 3,330 |
| Return on Equity (ROE) | 6.5627% | 3,798 |
| Retained earnings to average equity (ytd only) | 6.5627% | 1,868 |
| Net charge-offs to loans | 1.0698% | 153 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 1.5247% | 3,685 |
| Efficiency ratio | 79.2872% | 1,523 |
| Assets per employee ($millions) | 2.6940% | 5,606 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4625% | 120 |
| Loan loss allowance to noncurrent loans | 181.3808% | 2,414 |
| Noncurrent assets plus other real estate owned to assets | 1.2423% | 1,585 |
| Noncurrent loans to loans | 1.9089% | 1,049 |
| Net loans and leases to total assets | 59.8194% | 3,902 |
| Net loans and leases to deposits | 67.6319% | 4,187 |
| Net loans and leases to core deposits | 71.8237% | 4,174 |
| Total domestic deposits to total assets | 88.4484% | 1,168 |
| Equity capital to assets | 11.1507% | 2,855 |
| Core capital (leverage) ratio | 11.2043% | 2,267 |
| Tier 1 risk-based capital ratio | 16.7899% | 2,304 |
| Total risk-based capital ratio | 18.0618% | 2,246 |
| Memoranda: | ||
| Average total assets | $40,024,500 | 5,596 |
| Average earning assets | $36,429,500 | 5,588 |
| Average equity | $4,368,000 | 5,640 |
| Average total loans | $25,174,750 | 5,398 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7512% | 957 |
| Cost of funding earning assets | 0.2458% | 4,696 |
| Net interest margin | 4.5054% | 615 |
| Noninterest income to average assets | 0.8121% | 1,665 |
| Noninterest expense to average assets | 3.9553% | 628 |
| Loan and lease loss provision to assets | 0.1504% | 1,522 |
| Net operating income to assets | 0.5519% | 4,474 |
| Return on assets (ROA) | 0.6016% | 4,386 |
| Pretax return on assets | 0.9174% | 3,889 |
| Return on Equity (ROE) | 5.5530% | 4,266 |
| Retained earnings to average equity (ytd only) | 5.5530% | 2,392 |
| Net charge-offs to loans | 1.5068% | 96 |
| Credit loss provision to net charge-offs | 15.7895% | 2,964 |
| Earnings coverage of net charge-offs (x) | 1.0421% | 3,460 |
| Efficiency ratio | 79.9392% | 1,501 |
| Assets per employee ($millions) | 2.6283% | 5,721 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4908% | 124 |
| Loan loss allowance to noncurrent loans | 182.1643% | 2,478 |
| Noncurrent assets plus other real estate owned to assets | 1.3266% | 1,516 |
| Noncurrent loans to loans | 1.9163% | 1,055 |
| Net loans and leases to total assets | 63.7454% | 3,405 |
| Net loans and leases to deposits | 72.0024% | 3,787 |
| Net loans and leases to core deposits | 75.7757% | 3,838 |
| Total domestic deposits to total assets | 88.5324% | 1,151 |
| Equity capital to assets | 11.2089% | 2,836 |
| Core capital (leverage) ratio | 11.2049% | 2,228 |
| Tier 1 risk-based capital ratio | 15.8605% | 2,708 |
| Total risk-based capital ratio | 17.1349% | 2,637 |
| Memoranda: | ||
| Average total assets | $39,896,000 | 5,665 |
| Average earning assets | $36,622,330 | 5,650 |
| Average equity | $4,322,000 | 5,714 |
| Average total loans | $25,219,670 | 5,455 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5884% | 1,292 |
| Cost of funding earning assets | 0.2477% | 4,734 |
| Net interest margin | 4.3406% | 847 |
| Noninterest income to average assets | 0.7874% | 1,668 |
| Noninterest expense to average assets | 3.9270% | 664 |
| Loan and lease loss provision to assets | 0.1495% | 1,416 |
| Net operating income to assets | 0.4794% | 4,710 |
| Return on assets (ROA) | 0.5781% | 4,391 |
| Pretax return on assets | 0.8771% | 3,947 |
| Return on Equity (ROE) | 5.4288% | 4,267 |
| Retained earnings to average equity (ytd only) | 5.4288% | 2,698 |
| Net charge-offs to loans | 3.4180% | 31 |
| Credit loss provision to net charge-offs | 7.0755% | 2,381 |
| Earnings coverage of net charge-offs (x) | 0.4151% | 2,932 |
| Efficiency ratio | 81.7427% | 1,393 |
| Assets per employee ($millions) | 2.6661% | 5,750 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3926% | 153 |
| Loan loss allowance to noncurrent loans | 401.8433% | 1,262 |
| Noncurrent assets plus other real estate owned to assets | 0.6026% | 3,254 |
| Noncurrent loans to loans | 0.8443% | 2,735 |
| Net loans and leases to total assets | 62.0915% | 3,509 |
| Net loans and leases to deposits | 69.7480% | 3,876 |
| Net loans and leases to core deposits | 75.0998% | 3,778 |
| Total domestic deposits to total assets | 89.0225% | 1,087 |
| Equity capital to assets | 10.8249% | 3,137 |
| Core capital (leverage) ratio | 10.8055% | 2,616 |
| Tier 1 risk-based capital ratio | 16.0628% | 2,653 |
| Total risk-based capital ratio | 17.3350% | 2,591 |
| Memoranda: | ||
| Average total assets | $40,132,000 | 5,718 |
| Average earning assets | $37,137,500 | 5,699 |
| Average equity | $4,273,500 | 5,765 |
| Average total loans | $24,809,500 | 5,519 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3851% | 1,953 |
| Cost of funding earning assets | 0.2940% | 4,320 |
| Net interest margin | 4.0910% | 1,432 |
| Noninterest income to average assets | 0.7146% | 2,128 |
| Noninterest expense to average assets | 3.5314% | 1,244 |
| Loan and lease loss provision to assets | 0.1383% | 1,711 |
| Net operating income to assets | 0.5117% | 4,649 |
| Return on assets (ROA) | 0.5117% | 4,733 |
| Pretax return on assets | 0.7653% | 4,315 |
| Return on Equity (ROE) | 5.3169% | 4,364 |
| Retained earnings to average equity (ytd only) | 2.4429% | 4,328 |
| Net charge-offs to loans | 0.9869% | 205 |
| Credit loss provision to net charge-offs | 25.5319% | 3,701 |
| Earnings coverage of net charge-offs (x) | 1.6681% | 4,050 |
| Efficiency ratio | 79.6258% | 1,722 |
| Assets per employee ($millions) | 2.6849% | 5,779 |
| Cash dividends to net income (ytd only)* | 54.0541% | 2,068 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4698% | 64 |
| Loan loss allowance to noncurrent loans | 162.9573% | 2,648 |
| Noncurrent assets plus other real estate owned to assets | 1.6885% | 1,153 |
| Noncurrent loans to loans | 2.7429% | 637 |
| Net loans and leases to total assets | 56.7303% | 4,229 |
| Net loans and leases to deposits | 64.3777% | 4,442 |
| Net loans and leases to core deposits | 67.3238% | 4,489 |
| Total domestic deposits to total assets | 88.1211% | 1,568 |
| Equity capital to assets | 10.4735% | 3,390 |
| Core capital (leverage) ratio | 10.6473% | 2,773 |
| Tier 1 risk-based capital ratio | 16.7420% | 2,381 |
| Total risk-based capital ratio | 18.0271% | 2,319 |
| Memoranda: | ||
| Average total assets | $43,382,800 | 5,696 |
| Average earning assets | $39,452,200 | 5,696 |
| Average equity | $4,175,400 | 5,824 |
| Average total loans | $23,812,400 | 5,594 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3357% | 2,122 |
| Cost of funding earning assets | 0.2999% | 4,340 |
| Net interest margin | 4.0358% | 1,596 |
| Noninterest income to average assets | 0.6974% | 2,230 |
| Noninterest expense to average assets | 3.4691% | 1,347 |
| Loan and lease loss provision to assets | 0.1359% | 1,648 |
| Net operating income to assets | 0.4770% | 4,867 |
| Return on assets (ROA) | 0.4770% | 4,970 |
| Pretax return on assets | 0.7488% | 4,497 |
| Return on Equity (ROE) | 5.0582% | 4,598 |
| Retained earnings to average equity (ytd only) | 5.0582% | 2,869 |
| Net charge-offs to loans | 0.7679% | 271 |
| Credit loss provision to net charge-offs | 32.8467% | 3,250 |
| Earnings coverage of net charge-offs (x) | 2.1387% | 3,726 |
| Efficiency ratio | 79.6810% | 1,707 |
| Assets per employee ($millions) | 2.9174% | 5,635 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8971% | 60 |
| Loan loss allowance to noncurrent loans | 189.1626% | 2,368 |
| Noncurrent assets plus other real estate owned to assets | 1.4911% | 1,506 |
| Noncurrent loans to loans | 2.5888% | 769 |
| Net loans and leases to total assets | 54.7756% | 4,483 |
| Net loans and leases to deposits | 61.5647% | 4,750 |
| Net loans and leases to core deposits | 64.8708% | 4,767 |
| Total domestic deposits to total assets | 88.9724% | 1,041 |
| Equity capital to assets | 10.5428% | 3,560 |
| Core capital (leverage) ratio | 10.1269% | 3,464 |
| Tier 1 risk-based capital ratio | 17.3494% | 2,239 |
| Total risk-based capital ratio | 18.6397% | 2,172 |
| Memoranda: | ||
| Average total assets | $44,160,250 | 5,753 |
| Average earning assets | $40,007,500 | 5,751 |
| Average equity | $4,164,750 | 5,907 |
| Average total loans | $23,786,500 | 5,659 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1777% | 2,625 |
| Cost of funding earning assets | 0.3068% | 4,324 |
| Net interest margin | 3.8710% | 2,075 |
| Noninterest income to average assets | 0.6583% | 2,428 |
| Noninterest expense to average assets | 3.3535% | 1,569 |
| Loan and lease loss provision to assets | 0.1325% | 1,653 |
| Net operating income to assets | 0.4418% | 5,000 |
| Return on assets (ROA) | 0.4418% | 5,095 |
| Pretax return on assets | 0.6848% | 4,709 |
| Return on Equity (ROE) | 4.8571% | 4,681 |
| Retained earnings to average equity (ytd only) | 4.8571% | 2,950 |
| Net charge-offs to loans | 0.6953% | 328 |
| Credit loss provision to net charge-offs | 36.1446% | 2,859 |
| Earnings coverage of net charge-offs (x) | 2.2289% | 3,385 |
| Efficiency ratio | 80.4025% | 1,700 |
| Assets per employee ($millions) | 3.0966% | 5,476 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0602% | 60 |
| Loan loss allowance to noncurrent loans | 146.9136% | 2,838 |
| Noncurrent assets plus other real estate owned to assets | 1.8684% | 1,220 |
| Noncurrent loans to loans | 3.4443% | 518 |
| Net loans and leases to total assets | 51.5017% | 4,801 |
| Net loans and leases to deposits | 57.0775% | 5,056 |
| Net loans and leases to core deposits | 59.9109% | 5,078 |
| Total domestic deposits to total assets | 90.2311% | 566 |
| Equity capital to assets | 9.6789% | 4,431 |
| Core capital (leverage) ratio | 9.3722% | 4,461 |
| Tier 1 risk-based capital ratio | 16.9960% | 2,404 |
| Total risk-based capital ratio | 18.2852% | 2,334 |
| Memoranda: | ||
| Average total assets | $45,266,000 | 5,787 |
| Average earning assets | $41,075,000 | 5,785 |
| Average equity | $4,117,670 | 5,974 |
| Average total loans | $23,874,000 | 5,717 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2072% | 2,429 |
| Cost of funding earning assets | 0.2957% | 4,485 |
| Net interest margin | 3.9115% | 1,856 |
| Noninterest income to average assets | 0.6577% | 2,370 |
| Noninterest expense to average assets | 3.3144% | 1,688 |
| Loan and lease loss provision to assets | 0.1298% | 1,597 |
| Net operating income to assets | 0.5019% | 4,674 |
| Return on assets (ROA) | 0.5019% | 4,792 |
| Pretax return on assets | 0.7615% | 4,387 |
| Return on Equity (ROE) | 5.6884% | 4,190 |
| Retained earnings to average equity (ytd only) | 5.6884% | 2,666 |
| Net charge-offs to loans | 0.1663% | 1,276 |
| Credit loss provision to net charge-offs | 150.0000% | 1,240 |
| Earnings coverage of net charge-offs (x) | 10.3000% | 1,946 |
| Efficiency ratio | 78.8066% | 2,071 |
| Assets per employee ($millions) | 3.1663% | 5,457 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2268% | 61 |
| Loan loss allowance to noncurrent loans | 441.3428% | 1,118 |
| Noncurrent assets plus other real estate owned to assets | 0.5959% | 3,693 |
| Noncurrent loans to loans | 1.1843% | 2,402 |
| Net loans and leases to total assets | 47.6839% | 5,067 |
| Net loans and leases to deposits | 52.3364% | 5,311 |
| Net loans and leases to core deposits | 55.3608% | 5,289 |
| Total domestic deposits to total assets | 91.1105% | 334 |
| Equity capital to assets | 8.7548% | 5,543 |
| Core capital (leverage) ratio | 9.0591% | 4,885 |
| Tier 1 risk-based capital ratio | 14.9972% | 3,440 |
| Total risk-based capital ratio | 16.2849% | 3,342 |
| Memoranda: | ||
| Average total assets | $46,223,000 | 5,813 |
| Average earning assets | $41,928,000 | 5,817 |
| Average equity | $4,078,500 | 6,040 |
| Average total loans | $24,052,500 | 5,745 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3738% | 2,304 |
| Cost of funding earning assets | 0.3293% | 4,499 |
| Net interest margin | 4.0446% | 1,754 |
| Noninterest income to average assets | 0.8146% | 1,811 |
| Noninterest expense to average assets | 3.2234% | 2,149 |
| Loan and lease loss provision to assets | 0.2348% | 1,023 |
| Net operating income to assets | 0.6315% | 4,228 |
| Return on assets (ROA) | 0.6315% | 4,333 |
| Pretax return on assets | 1.0189% | 3,424 |
| Return on Equity (ROE) | 6.9063% | 3,686 |
| Retained earnings to average equity (ytd only) | 2.7985% | 4,249 |
| Net charge-offs to loans | 0.2574% | 1,672 |
| Credit loss provision to net charge-offs | 172.4138% | 1,407 |
| Earnings coverage of net charge-offs (x) | 9.2069% | 2,779 |
| Efficiency ratio | 71.9979% | 3,215 |
| Assets per employee ($millions) | 2.9968% | 5,701 |
| Cash dividends to net income (ytd only)* | 59.4796% | 1,769 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1386% | 67 |
| Loan loss allowance to noncurrent loans | 702.8249% | 810 |
| Noncurrent assets plus other real estate owned to assets | 0.3938% | 4,513 |
| Noncurrent loans to loans | 0.7311% | 3,492 |
| Net loans and leases to total assets | 51.0878% | 4,864 |
| Net loans and leases to deposits | 56.1025% | 5,179 |
| Net loans and leases to core deposits | 59.5318% | 5,174 |
| Total domestic deposits to total assets | 91.0616% | 348 |
| Equity capital to assets | 8.8962% | 5,384 |
| Core capital (leverage) ratio | 9.0740% | 4,867 |
| Tier 1 risk-based capital ratio | 12.1825% | 5,242 |
| Total risk-based capital ratio | 13.4453% | 5,146 |
| Memoranda: | ||
| Average total assets | $42,595,400 | 5,964 |
| Average earning assets | $38,570,200 | 5,968 |
| Average equity | $3,895,000 | 6,110 |
| Average total loans | $22,535,200 | 5,872 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3919% | 2,252 |
| Cost of funding earning assets | 0.3305% | 4,553 |
| Net interest margin | 4.0613% | 1,691 |
| Noninterest income to average assets | 0.8030% | 1,887 |
| Noninterest expense to average assets | 3.2026% | 2,170 |
| Loan and lease loss provision to assets | 0.5555% | 258 |
| Net operating income to assets | 0.4571% | 5,042 |
| Return on assets (ROA) | 0.4571% | 5,124 |
| Pretax return on assets | 0.7110% | 4,668 |
| Return on Equity (ROE) | 4.9625% | 4,734 |
| Retained earnings to average equity (ytd only) | 4.9625% | 3,101 |
| Net charge-offs to loans | 1.1816% | 234 |
| Credit loss provision to net charge-offs | 89.2857% | 2,447 |
| Earnings coverage of net charge-offs (x) | 2.0357% | 4,011 |
| Efficiency ratio | 71.6619% | 3,243 |
| Assets per employee ($millions) | 2.9409% | 5,797 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1653% | 70 |
| Loan loss allowance to noncurrent loans | 408.6505% | 1,166 |
| Noncurrent assets plus other real estate owned to assets | 0.6551% | 3,874 |
| Noncurrent loans to loans | 1.2640% | 2,529 |
| Net loans and leases to total assets | 49.1522% | 5,099 |
| Net loans and leases to deposits | 54.1088% | 5,380 |
| Net loans and leases to core deposits | 57.4902% | 5,362 |
| Total domestic deposits to total assets | 90.8396% | 407 |
| Equity capital to assets | 8.9858% | 5,366 |
| Core capital (leverage) ratio | 9.3485% | 4,571 |
| Tier 1 risk-based capital ratio | 12.5814% | 5,123 |
| Total risk-based capital ratio | 13.8596% | 5,026 |
| Memoranda: | ||
| Average total assets | $42,006,250 | 6,055 |
| Average earning assets | $37,917,500 | 6,057 |
| Average equity | $3,869,000 | 6,183 |
| Average total loans | $22,116,750 | 5,946 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3695% | 2,296 |
| Cost of funding earning assets | 0.3336% | 4,601 |
| Net interest margin | 4.0359% | 1,702 |
| Noninterest income to average assets | 0.7312% | 2,144 |
| Noninterest expense to average assets | 3.2249% | 2,115 |
| Loan and lease loss provision to assets | 0.7263% | 178 |
| Net operating income to assets | 0.3147% | 5,516 |
| Return on assets (ROA) | 0.3147% | 5,594 |
| Pretax return on assets | 0.4116% | 5,524 |
| Return on Equity (ROE) | 3.3878% | 5,389 |
| Retained earnings to average equity (ytd only) | 3.3878% | 4,046 |
| Net charge-offs to loans | 2.3505% | 86 |
| Credit loss provision to net charge-offs | 58.3658% | 2,668 |
| Earnings coverage of net charge-offs (x) | 0.9144% | 3,941 |
| Efficiency ratio | 73.9179% | 2,986 |
| Assets per employee ($millions) | 3.0455% | 5,690 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0498% | 86 |
| Loan loss allowance to noncurrent loans | 269.0418% | 1,659 |
| Noncurrent assets plus other real estate owned to assets | 0.8909% | 3,318 |
| Noncurrent loans to loans | 1.8770% | 1,828 |
| Net loans and leases to total assets | 45.0703% | 5,459 |
| Net loans and leases to deposits | 49.4405% | 5,676 |
| Net loans and leases to core deposits | 52.4053% | 5,646 |
| Total domestic deposits to total assets | 91.1606% | 361 |
| Equity capital to assets | 8.6205% | 5,694 |
| Core capital (leverage) ratio | 9.7452% | 3,975 |
| Tier 1 risk-based capital ratio | 11.9228% | 5,582 |
| Total risk-based capital ratio | 13.1974% | 5,497 |
| Memoranda: | ||
| Average total assets | $41,303,670 | 6,132 |
| Average earning assets | $37,166,670 | 6,139 |
| Average equity | $3,837,330 | 6,235 |
| Average total loans | $21,867,670 | 5,998 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6560% | 1,357 |
| Cost of funding earning assets | 0.3440% | 4,601 |
| Net interest margin | 4.3120% | 975 |
| Noninterest income to average assets | 0.7772% | 1,850 |
| Noninterest expense to average assets | 3.5077% | 1,471 |
| Loan and lease loss provision to assets | 0.7670% | 160 |
| Net operating income to assets | 0.2454% | 5,678 |
| Return on assets (ROA) | 0.2454% | 5,723 |
| Pretax return on assets | 0.3477% | 5,600 |
| Return on Equity (ROE) | 2.5350% | 5,611 |
| Retained earnings to average equity (ytd only) | 2.5350% | 4,544 |
| Net charge-offs to loans | 4.2260% | 35 |
| Credit loss provision to net charge-offs | 32.3276% | 2,377 |
| Earnings coverage of net charge-offs (x) | 0.4698% | 3,341 |
| Efficiency ratio | 75.8850% | 2,823 |
| Assets per employee ($millions) | 2.6691% | 6,228 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8431% | 99 |
| Loan loss allowance to noncurrent loans | 431.8182% | 1,081 |
| Noncurrent assets plus other real estate owned to assets | 0.6044% | 4,327 |
| Noncurrent loans to loans | 1.1216% | 3,182 |
| Net loans and leases to total assets | 51.2826% | 4,755 |
| Net loans and leases to deposits | 56.8093% | 5,043 |
| Net loans and leases to core deposits | 60.2323% | 5,020 |
| Total domestic deposits to total assets | 90.2715% | 926 |
| Equity capital to assets | 9.5487% | 4,430 |
| Core capital (leverage) ratio | 10.2998% | 3,174 |
| Tier 1 risk-based capital ratio | 14.4730% | 4,022 |
| Total risk-based capital ratio | 15.7519% | 3,964 |
| Memoranda: | ||
| Average total assets | $39,114,500 | 6,257 |
| Average earning assets | $34,879,500 | 6,256 |
| Average equity | $3,787,000 | 6,290 |
| Average total loans | $21,959,500 | 6,049 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8930% | 1,111 |
| Cost of funding earning assets | 0.3646% | 5,006 |
| Net interest margin | 4.5283% | 695 |
| Noninterest income to average assets | 0.8810% | 1,748 |
| Noninterest expense to average assets | 3.4263% | 1,822 |
| Loan and lease loss provision to assets | 0.6036% | 413 |
| Net operating income to assets | 0.5933% | 4,296 |
| Return on assets (ROA) | 0.5933% | 4,410 |
| Pretax return on assets | 0.9657% | 3,496 |
| Return on Equity (ROE) | 5.9675% | 4,101 |
| Retained earnings to average equity (ytd only) | 2.8675% | 4,211 |
| Net charge-offs to loans | 0.2731% | 2,336 |
| Credit loss provision to net charge-offs | 391.6667% | 582 |
| Earnings coverage of net charge-offs (x) | 10.1833% | 2,410 |
| Efficiency ratio | 68.5861% | 4,083 |
| Assets per employee ($millions) | 2.5461% | 6,365 |
| Cash dividends to net income (ytd only)* | 51.9481% | 2,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.3800% | 78 |
| Loan loss allowance to noncurrent loans | 190.7937% | 2,183 |
| Noncurrent assets plus other real estate owned to assets | 1.6496% | 2,240 |
| Noncurrent loans to loans | 2.8198% | 1,247 |
| Net loans and leases to total assets | 55.3519% | 4,406 |
| Net loans and leases to deposits | 61.4946% | 4,774 |
| Net loans and leases to core deposits | 65.3862% | 4,744 |
| Total domestic deposits to total assets | 90.0110% | 1,071 |
| Equity capital to assets | 9.8214% | 3,999 |
| Core capital (leverage) ratio | 10.4018% | 3,021 |
| Tier 1 risk-based capital ratio | 15.4802% | 3,387 |
| Total risk-based capital ratio | 16.7724% | 3,313 |
| Memoranda: | ||
| Average total assets | $38,934,400 | 6,314 |
| Average earning assets | $35,377,200 | 6,305 |
| Average equity | $3,871,000 | 6,355 |
| Average total loans | $21,973,000 | 6,118 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8731% | 1,180 |
| Cost of funding earning assets | 0.3705% | 5,091 |
| Net interest margin | 4.5025% | 736 |
| Noninterest income to average assets | 0.8964% | 1,766 |
| Noninterest expense to average assets | 3.3435% | 1,966 |
| Loan and lease loss provision to assets | 0.6476% | 348 |
| Net operating income to assets | 0.6135% | 4,289 |
| Return on assets (ROA) | 0.6135% | 4,415 |
| Pretax return on assets | 1.0054% | 3,482 |
| Return on Equity (ROE) | 6.1520% | 4,106 |
| Retained earnings to average equity (ytd only) | 6.1520% | 2,316 |
| Net charge-offs to loans | 0.3900% | 1,645 |
| Credit loss provision to net charge-offs | 296.8750% | 860 |
| Earnings coverage of net charge-offs (x) | 7.5782% | 2,778 |
| Efficiency ratio | 66.9168% | 4,320 |
| Assets per employee ($millions) | 2.5531% | 6,424 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2934% | 92 |
| Loan loss allowance to noncurrent loans | 234.3496% | 1,736 |
| Noncurrent assets plus other real estate owned to assets | 1.2847% | 3,074 |
| Noncurrent loans to loans | 2.2587% | 1,942 |
| Net loans and leases to total assets | 53.8672% | 4,633 |
| Net loans and leases to deposits | 60.2219% | 4,947 |
| Net loans and leases to core deposits | 64.0453% | 4,895 |
| Total domestic deposits to total assets | 89.4480% | 1,331 |
| Equity capital to assets | 9.9305% | 4,007 |
| Core capital (leverage) ratio | 10.0412% | 3,622 |
| Tier 1 risk-based capital ratio | 15.9662% | 3,213 |
| Total risk-based capital ratio | 17.2573% | 3,148 |
| Memoranda: | ||
| Average total assets | $39,120,000 | 6,379 |
| Average earning assets | $35,623,500 | 6,366 |
| Average equity | $3,901,000 | 6,427 |
| Average total loans | $21,880,750 | 6,188 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8690% | 1,177 |
| Cost of funding earning assets | 0.3650% | 5,264 |
| Net interest margin | 4.5039% | 705 |
| Noninterest income to average assets | 0.9494% | 1,660 |
| Noninterest expense to average assets | 3.3406% | 1,965 |
| Loan and lease loss provision to assets | 0.7361% | 298 |
| Net operating income to assets | 0.6143% | 4,225 |
| Return on assets (ROA) | 0.6143% | 4,391 |
| Pretax return on assets | 0.9443% | 3,734 |
| Return on Equity (ROE) | 6.1520% | 4,074 |
| Retained earnings to average equity (ytd only) | 6.1520% | 2,344 |
| Net charge-offs to loans | 0.0639% | 3,787 |
| Credit loss provision to net charge-offs | 2,071.4286% | 155 |
| Earnings coverage of net charge-offs (x) | 47.2857% | 830 |
| Efficiency ratio | 66.5319% | 4,443 |
| Assets per employee ($millions) | 2.7247% | 6,262 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.3136% | 98 |
| Loan loss allowance to noncurrent loans | 232.0717% | 1,749 |
| Noncurrent assets plus other real estate owned to assets | 1.2283% | 3,298 |
| Noncurrent loans to loans | 2.2896% | 2,066 |
| Net loans and leases to total assets | 50.7940% | 5,020 |
| Net loans and leases to deposits | 56.3870% | 5,294 |
| Net loans and leases to core deposits | 59.6998% | 5,288 |
| Total domestic deposits to total assets | 90.0810% | 984 |
| Equity capital to assets | 9.5104% | 4,564 |
| Core capital (leverage) ratio | 9.6080% | 4,067 |
| Tier 1 risk-based capital ratio | 14.8725% | 3,862 |
| Total risk-based capital ratio | 16.1586% | 3,804 |
| Memoranda: | ||
| Average total assets | $39,394,670 | 6,423 |
| Average earning assets | $35,613,330 | 6,417 |
| Average equity | $3,933,670 | 6,468 |
| Average total loans | $21,913,670 | 6,226 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8380% | 1,216 |
| Cost of funding earning assets | 0.3880% | 5,214 |
| Net interest margin | 4.4500% | 735 |
| Noninterest income to average assets | 0.7657% | 2,268 |
| Noninterest expense to average assets | 3.4354% | 1,753 |
| Loan and lease loss provision to assets | 0.5691% | 457 |
| Net operating income to assets | 0.5898% | 4,268 |
| Return on assets (ROA) | 0.5898% | 4,417 |
| Pretax return on assets | 0.7968% | 4,180 |
| Return on Equity (ROE) | 5.7619% | 4,170 |
| Retained earnings to average equity (ytd only) | 5.7619% | 2,806 |
| Net charge-offs to loans | -0.9494% | 6,924 |
| Credit loss provision to net charge-offs | -105.7692% | 5,151 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5517% | 3,694 |
| Assets per employee ($millions) | 2.6654% | 6,435 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2517% | 116 |
| Loan loss allowance to noncurrent loans | 286.3636% | 1,375 |
| Noncurrent assets plus other real estate owned to assets | 0.9905% | 3,945 |
| Noncurrent loans to loans | 1.8339% | 2,823 |
| Net loans and leases to total assets | 51.1718% | 4,812 |
| Net loans and leases to deposits | 57.0111% | 5,138 |
| Net loans and leases to core deposits | 59.5708% | 5,188 |
| Total domestic deposits to total assets | 89.7576% | 1,183 |
| Equity capital to assets | 9.9622% | 4,194 |
| Core capital (leverage) ratio | 9.9678% | 3,426 |
| Tier 1 risk-based capital ratio | 14.1191% | 4,414 |
| Total risk-based capital ratio | 15.4020% | 4,356 |
| Memoranda: | ||
| Average total assets | $38,656,500 | 6,498 |
| Average earning assets | $35,056,000 | 6,489 |
| Average equity | $3,957,000 | 6,529 |
| Average total loans | $21,908,000 | 6,281 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3465% | 833 |
| Cost of funding earning assets | 0.5223% | 5,052 |
| Net interest margin | 4.8243% | 519 |
| Noninterest income to average assets | 0.8207% | 2,177 |
| Noninterest expense to average assets | 3.5526% | 1,713 |
| Loan and lease loss provision to assets | 0.5534% | 1,032 |
| Net operating income to assets | 0.6236% | 4,122 |
| Return on assets (ROA) | 0.6236% | 4,384 |
| Pretax return on assets | 1.0285% | 3,444 |
| Return on Equity (ROE) | 5.7982% | 4,260 |
| Retained earnings to average equity (ytd only) | 1.6566% | 5,030 |
| Net charge-offs to loans | 0.5915% | 1,958 |
| Credit loss provision to net charge-offs | 152.9851% | 1,774 |
| Earnings coverage of net charge-offs (x) | 4.3731% | 3,392 |
| Efficiency ratio | 69.1903% | 3,942 |
| Assets per employee ($millions) | 2.4888% | 6,625 |
| Cash dividends to net income (ytd only)* | 71.4286% | 1,314 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6213% | 172 |
| Loan loss allowance to noncurrent loans | 244.5238% | 1,558 |
| Noncurrent assets plus other real estate owned to assets | 1.1250% | 3,777 |
| Noncurrent loans to loans | 1.8899% | 2,819 |
| Net loans and leases to total assets | 56.7770% | 4,147 |
| Net loans and leases to deposits | 63.5543% | 4,590 |
| Net loans and leases to core deposits | 66.6206% | 4,677 |
| Total domestic deposits to total assets | 89.3362% | 1,343 |
| Equity capital to assets | 10.5298% | 3,492 |
| Core capital (leverage) ratio | 9.8940% | 3,556 |
| Tier 1 risk-based capital ratio | 14.9246% | 3,761 |
| Total risk-based capital ratio | 16.2056% | 3,696 |
| Memoranda: | ||
| Average total assets | $37,043,800 | 6,580 |
| Average earning assets | $33,124,200 | 6,581 |
| Average equity | $3,984,000 | 6,571 |
| Average total loans | $22,655,800 | 6,315 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4093% | 820 |
| Cost of funding earning assets | 0.5511% | 5,080 |
| Net interest margin | 4.8583% | 515 |
| Noninterest income to average assets | 0.8330% | 2,106 |
| Noninterest expense to average assets | 3.5378% | 1,678 |
| Loan and lease loss provision to assets | 0.4869% | 1,268 |
| Net operating income to assets | 0.6816% | 4,002 |
| Return on assets (ROA) | 0.6816% | 4,262 |
| Pretax return on assets | 1.1324% | 3,224 |
| Return on Equity (ROE) | 6.3041% | 4,175 |
| Retained earnings to average equity (ytd only) | 6.3041% | 2,484 |
| Net charge-offs to loans | 0.6853% | 1,610 |
| Credit loss provision to net charge-offs | 115.3846% | 2,521 |
| Earnings coverage of net charge-offs (x) | 3.8375% | 3,498 |
| Efficiency ratio | 68.6014% | 3,944 |
| Assets per employee ($millions) | 2.4261% | 6,762 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5235% | 206 |
| Loan loss allowance to noncurrent loans | 305.3292% | 1,222 |
| Noncurrent assets plus other real estate owned to assets | 0.8766% | 4,529 |
| Noncurrent loans to loans | 1.4815% | 3,572 |
| Net loans and leases to total assets | 56.4904% | 4,373 |
| Net loans and leases to deposits | 63.9221% | 4,721 |
| Net loans and leases to core deposits | 67.1216% | 4,824 |
| Total domestic deposits to total assets | 88.3738% | 1,798 |
| Equity capital to assets | 11.2415% | 2,990 |
| Core capital (leverage) ratio | 10.7638% | 2,643 |
| Tier 1 risk-based capital ratio | 15.0460% | 3,816 |
| Total risk-based capital ratio | 16.3245% | 3,747 |
| Memoranda: | ||
| Average total assets | $36,971,750 | 6,666 |
| Average earning assets | $32,905,250 | 6,671 |
| Average equity | $3,997,250 | 6,645 |
| Average total loans | $22,764,000 | 6,385 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5006% | 721 |
| Cost of funding earning assets | 0.5816% | 5,059 |
| Net interest margin | 4.9190% | 450 |
| Noninterest income to average assets | 0.8341% | 2,034 |
| Noninterest expense to average assets | 3.5141% | 1,754 |
| Loan and lease loss provision to assets | 0.4843% | 1,310 |
| Net operating income to assets | 0.7749% | 3,489 |
| Return on assets (ROA) | 0.7749% | 3,758 |
| Pretax return on assets | 1.2054% | 2,901 |
| Return on Equity (ROE) | 7.2617% | 3,638 |
| Retained earnings to average equity (ytd only) | 7.2617% | 1,973 |
| Net charge-offs to loans | 0.4488% | 2,259 |
| Credit loss provision to net charge-offs | 173.0769% | 1,622 |
| Earnings coverage of net charge-offs (x) | 6.0385% | 2,712 |
| Efficiency ratio | 67.5284% | 4,228 |
| Assets per employee ($millions) | 2.5756% | 6,688 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5376% | 223 |
| Loan loss allowance to noncurrent loans | 230.6265% | 1,512 |
| Noncurrent assets plus other real estate owned to assets | 1.1156% | 4,155 |
| Noncurrent loans to loans | 1.9675% | 2,981 |
| Net loans and leases to total assets | 54.1285% | 4,778 |
| Net loans and leases to deposits | 60.7360% | 5,167 |
| Net loans and leases to core deposits | 63.5642% | 5,248 |
| Total domestic deposits to total assets | 89.1210% | 1,442 |
| Equity capital to assets | 10.4571% | 3,736 |
| Core capital (leverage) ratio | 10.4358% | 2,874 |
| Tier 1 risk-based capital ratio | 13.0691% | 5,136 |
| Total risk-based capital ratio | 14.3448% | 5,101 |
| Memoranda: | ||
| Average total assets | $37,165,000 | 6,706 |
| Average earning assets | $33,014,670 | 6,710 |
| Average equity | $3,966,000 | 6,691 |
| Average total loans | $23,174,670 | 6,410 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7103% | 506 |
| Cost of funding earning assets | 0.6193% | 4,969 |
| Net interest margin | 5.0910% | 346 |
| Noninterest income to average assets | 0.8564% | 1,921 |
| Noninterest expense to average assets | 3.5794% | 1,609 |
| Loan and lease loss provision to assets | 0.4941% | 1,232 |
| Net operating income to assets | 0.8015% | 3,370 |
| Return on assets (ROA) | 0.8015% | 3,604 |
| Pretax return on assets | 1.2956% | 2,556 |
| Return on Equity (ROE) | 7.4319% | 3,542 |
| Retained earnings to average equity (ytd only) | 7.4319% | 2,210 |
| Net charge-offs to loans | 0.3696% | 2,202 |
| Credit loss provision to net charge-offs | 204.5455% | 1,318 |
| Earnings coverage of net charge-offs (x) | 7.4091% | 2,080 |
| Efficiency ratio | 66.6667% | 4,432 |
| Assets per employee ($millions) | 2.4017% | 6,923 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1488% | 329 |
| Loan loss allowance to noncurrent loans | 186.8321% | 1,762 |
| Noncurrent assets plus other real estate owned to assets | 1.4545% | 3,686 |
| Noncurrent loans to loans | 2.2206% | 2,901 |
| Net loans and leases to total assets | 62.7824% | 3,100 |
| Net loans and leases to deposits | 70.8029% | 3,613 |
| Net loans and leases to core deposits | 73.1619% | 3,996 |
| Total domestic deposits to total assets | 88.6721% | 1,901 |
| Equity capital to assets | 10.9837% | 2,923 |
| Core capital (leverage) ratio | 10.6097% | 2,636 |
| Tier 1 risk-based capital ratio | 13.7375% | 4,653 |
| Total risk-based capital ratio | 15.0155% | 4,622 |
| Memoranda: | ||
| Average total assets | $36,430,500 | 6,781 |
| Average earning assets | $32,292,500 | 6,786 |
| Average equity | $3,929,000 | 6,741 |
| Average total loans | $23,809,000 | 6,426 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7670% | 681 |
| Cost of funding earning assets | 0.8012% | 4,858 |
| Net interest margin | 4.9658% | 441 |
| Noninterest income to average assets | 1.0635% | 1,186 |
| Noninterest expense to average assets | 3.5101% | 1,954 |
| Loan and lease loss provision to assets | 0.9092% | 1,056 |
| Net operating income to assets | 0.6364% | 3,801 |
| Return on assets (ROA) | 0.6364% | 4,000 |
| Pretax return on assets | 1.0497% | 3,035 |
| Return on Equity (ROE) | 5.8863% | 3,926 |
| Retained earnings to average equity (ytd only) | 1.2996% | 5,248 |
| Net charge-offs to loans | 2.2098% | 585 |
| Credit loss provision to net charge-offs | 64.7059% | 5,040 |
| Earnings coverage of net charge-offs (x) | 1.3941% | 4,721 |
| Efficiency ratio | 64.1814% | 5,098 |
| Assets per employee ($millions) | 2.4557% | 6,871 |
| Cash dividends to net income (ytd only)* | 77.9221% | 845 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9757% | 389 |
| Loan loss allowance to noncurrent loans | 122.7506% | 2,557 |
| Noncurrent assets plus other real estate owned to assets | 2.1121% | 2,834 |
| Noncurrent loans to loans | 3.2388% | 1,996 |
| Net loans and leases to total assets | 62.6198% | 3,487 |
| Net loans and leases to deposits | 70.1798% | 4,065 |
| Net loans and leases to core deposits | 72.4321% | 4,452 |
| Total domestic deposits to total assets | 89.2276% | 1,406 |
| Equity capital to assets | 10.5905% | 3,427 |
| Core capital (leverage) ratio | 9.9185% | 3,429 |
| Tier 1 risk-based capital ratio | 13.3725% | 4,792 |
| Total risk-based capital ratio | 14.6503% | 4,739 |
| Memoranda: | ||
| Average total assets | $36,295,200 | 6,787 |
| Average earning assets | $32,200,400 | 6,802 |
| Average equity | $3,924,400 | 6,774 |
| Average total loans | $23,079,000 | 6,508 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7659% | 751 |
| Cost of funding earning assets | 0.8326% | 4,926 |
| Net interest margin | 4.9333% | 474 |
| Noninterest income to average assets | 1.0988% | 1,102 |
| Noninterest expense to average assets | 3.4955% | 1,953 |
| Loan and lease loss provision to assets | 0.6821% | 1,418 |
| Net operating income to assets | 0.7927% | 3,199 |
| Return on assets (ROA) | 0.7927% | 3,363 |
| Pretax return on assets | 1.2905% | 2,318 |
| Return on Equity (ROE) | 7.2937% | 3,382 |
| Retained earnings to average equity (ytd only) | 7.2937% | 1,812 |
| Net charge-offs to loans | 2.2880% | 518 |
| Credit loss provision to net charge-offs | 47.1939% | 5,095 |
| Earnings coverage of net charge-offs (x) | 1.3648% | 4,597 |
| Efficiency ratio | 63.9245% | 5,084 |
| Assets per employee ($millions) | 2.5986% | 6,782 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2084% | 342 |
| Loan loss allowance to noncurrent loans | 210.6576% | 1,489 |
| Noncurrent assets plus other real estate owned to assets | 1.4290% | 3,978 |
| Noncurrent loans to loans | 1.9977% | 3,370 |
| Net loans and leases to total assets | 54.2497% | 5,134 |
| Net loans and leases to deposits | 60.7487% | 5,548 |
| Net loans and leases to core deposits | 63.3000% | 5,692 |
| Total domestic deposits to total assets | 89.3019% | 1,252 |
| Equity capital to assets | 10.4620% | 3,757 |
| Core capital (leverage) ratio | 10.8131% | 2,563 |
| Tier 1 risk-based capital ratio | 13.0921% | 5,027 |
| Total risk-based capital ratio | 14.3640% | 4,990 |
| Memoranda: | ||
| Average total assets | $36,160,250 | 6,851 |
| Average earning assets | $32,026,500 | 6,870 |
| Average equity | $3,930,250 | 6,821 |
| Average total loans | $22,843,500 | 6,586 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9275% | 549 |
| Cost of funding earning assets | 0.8789% | 4,835 |
| Net interest margin | 5.0486% | 370 |
| Noninterest income to average assets | 1.2095% | 870 |
| Noninterest expense to average assets | 3.6342% | 1,663 |
| Loan and lease loss provision to assets | 0.7950% | 1,158 |
| Net operating income to assets | 0.7382% | 3,343 |
| Return on assets (ROA) | 0.7382% | 3,465 |
| Pretax return on assets | 1.2493% | 2,313 |
| Return on Equity (ROE) | 6.6993% | 3,591 |
| Retained earnings to average equity (ytd only) | 6.6993% | 2,022 |
| Net charge-offs to loans | 2.4243% | 501 |
| Credit loss provision to net charge-offs | 50.0000% | 4,583 |
| Earnings coverage of net charge-offs (x) | 1.2857% | 4,327 |
| Efficiency ratio | 64.0000% | 5,240 |
| Assets per employee ($millions) | 2.3671% | 7,057 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4646% | 283 |
| Loan loss allowance to noncurrent loans | 214.1935% | 1,434 |
| Noncurrent assets plus other real estate owned to assets | 1.6363% | 3,724 |
| Noncurrent loans to loans | 2.0844% | 3,369 |
| Net loans and leases to total assets | 60.0248% | 4,265 |
| Net loans and leases to deposits | 67.7248% | 4,753 |
| Net loans and leases to core deposits | 70.8780% | 4,966 |
| Total domestic deposits to total assets | 88.6304% | 1,763 |
| Equity capital to assets | 11.1753% | 2,788 |
| Core capital (leverage) ratio | 10.8184% | 2,404 |
| Tier 1 risk-based capital ratio | 13.9912% | 4,180 |
| Total risk-based capital ratio | 15.2699% | 4,134 |
| Memoranda: | ||
| Average total assets | $35,220,670 | 6,946 |
| Average earning assets | $31,176,670 | 6,959 |
| Average equity | $3,881,000 | 6,881 |
| Average total loans | $23,099,670 | 6,637 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8861% | 613 |
| Cost of funding earning assets | 0.9105% | 4,849 |
| Net interest margin | 4.9756% | 398 |
| Noninterest income to average assets | 1.4368% | 618 |
| Noninterest expense to average assets | 3.6034% | 1,762 |
| Loan and lease loss provision to assets | 1.0833% | 680 |
| Net operating income to assets | 0.6614% | 3,700 |
| Return on assets (ROA) | 0.6614% | 3,775 |
| Pretax return on assets | 1.1745% | 2,467 |
| Return on Equity (ROE) | 6.0456% | 3,882 |
| Retained earnings to average equity (ytd only) | 6.0456% | 2,613 |
| Net charge-offs to loans | 4.4605% | 189 |
| Credit loss provision to net charge-offs | 36.2595% | 4,016 |
| Earnings coverage of net charge-offs (x) | 0.7557% | 4,070 |
| Efficiency ratio | 61.4786% | 5,765 |
| Assets per employee ($millions) | 2.5716% | 6,881 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1972% | 369 |
| Loan loss allowance to noncurrent loans | 132.9218% | 2,210 |
| Noncurrent assets plus other real estate owned to assets | 2.3471% | 2,899 |
| Noncurrent loans to loans | 3.1576% | 2,383 |
| Net loans and leases to total assets | 61.4355% | 3,977 |
| Net loans and leases to deposits | 69.0454% | 4,522 |
| Net loans and leases to core deposits | 72.1961% | 4,762 |
| Total domestic deposits to total assets | 88.9784% | 1,788 |
| Equity capital to assets | 10.7272% | 2,957 |
| Core capital (leverage) ratio | 10.3499% | 2,758 |
| Tier 1 risk-based capital ratio | 13.2731% | 4,600 |
| Total risk-based capital ratio | 14.5497% | 4,559 |
| Memoranda: | ||
| Average total assets | $35,077,500 | 7,006 |
| Average earning assets | $31,192,000 | 7,009 |
| Average equity | $3,837,500 | 6,927 |
| Average total loans | $23,495,000 | 6,668 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4607% | 339 |
| Cost of funding earning assets | 1.1542% | 4,827 |
| Net interest margin | 5.3066% | 242 |
| Noninterest income to average assets | 0.8887% | 1,890 |
| Noninterest expense to average assets | 3.7905% | 1,503 |
| Loan and lease loss provision to assets | 0.8798% | 1,861 |
| Net operating income to assets | 0.6710% | 3,339 |
| Return on assets (ROA) | 0.6710% | 3,484 |
| Pretax return on assets | 1.0587% | 2,741 |
| Return on Equity (ROE) | 5.8170% | 3,691 |
| Retained earnings to average equity (ytd only) | 1.1634% | 4,964 |
| Net charge-offs to loans | 0.7231% | 2,848 |
| Credit loss provision to net charge-offs | 165.7303% | 2,068 |
| Earnings coverage of net charge-offs (x) | 3.6517% | 3,252 |
| Efficiency ratio | 66.1635% | 4,939 |
| Assets per employee ($millions) | 2.4395% | 7,087 |
| Cash dividends to net income (ytd only)* | 80.0000% | 848 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7484% | 233 |
| Loan loss allowance to noncurrent loans | 147.2114% | 2,017 |
| Noncurrent assets plus other real estate owned to assets | 2.5971% | 2,687 |
| Noncurrent loans to loans | 3.2255% | 2,352 |
| Net loans and leases to total assets | 66.6647% | 3,313 |
| Net loans and leases to deposits | 75.2263% | 3,978 |
| Net loans and leases to core deposits | 79.7283% | 4,250 |
| Total domestic deposits to total assets | 88.6189% | 1,880 |
| Equity capital to assets | 11.1645% | 2,541 |
| Core capital (leverage) ratio | 10.9449% | 2,200 |
| Tier 1 risk-based capital ratio | 13.2111% | 4,445 |
| Total risk-based capital ratio | 14.4942% | 4,369 |
| Memoranda: | ||
| Average total assets | $33,531,000 | 7,096 |
| Average earning assets | $30,584,800 | 7,071 |
| Average equity | $3,868,000 | 7,039 |
| Average total loans | $24,617,400 | 6,701 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3100% | 495 |
| Cost of funding earning assets | 1.2002% | 4,865 |
| Net interest margin | 5.1098% | 345 |
| Noninterest income to average assets | 0.8789% | 1,879 |
| Noninterest expense to average assets | 3.7831% | 1,402 |
| Loan and lease loss provision to assets | 0.7390% | 2,070 |
| Net operating income to assets | 0.7710% | 3,128 |
| Return on assets (ROA) | 0.7710% | 3,282 |
| Pretax return on assets | 1.0507% | 2,994 |
| Return on Equity (ROE) | 6.6292% | 3,521 |
| Retained earnings to average equity (ytd only) | 6.6292% | 2,027 |
| Net charge-offs to loans | 0.5538% | 3,097 |
| Credit loss provision to net charge-offs | 179.6117% | 2,043 |
| Earnings coverage of net charge-offs (x) | 4.3495% | 3,089 |
| Efficiency ratio | 67.8853% | 4,484 |
| Assets per employee ($millions) | 2.6292% | 6,885 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4618% | 256 |
| Loan loss allowance to noncurrent loans | 72.0078% | 3,706 |
| Noncurrent assets plus other real estate owned to assets | 4.8128% | 1,370 |
| Noncurrent loans to loans | 6.1963% | 990 |
| Net loans and leases to total assets | 68.9731% | 2,996 |
| Net loans and leases to deposits | 78.5624% | 3,720 |
| Net loans and leases to core deposits | 83.2921% | 4,051 |
| Total domestic deposits to total assets | 87.7940% | 2,096 |
| Equity capital to assets | 11.6647% | 2,392 |
| Core capital (leverage) ratio | 10.8528% | 2,370 |
| Tier 1 risk-based capital ratio | 13.6979% | 4,056 |
| Total risk-based capital ratio | 14.9786% | 3,992 |
| Memoranda: | ||
| Average total assets | $33,375,500 | 7,191 |
| Average earning assets | $30,659,500 | 7,146 |
| Average equity | $3,881,750 | 7,121 |
| Average total loans | $24,796,000 | 6,773 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3032% | 510 |
| Cost of funding earning assets | 1.2049% | 5,101 |
| Net interest margin | 5.0983% | 343 |
| Noninterest income to average assets | 0.8397% | 1,924 |
| Noninterest expense to average assets | 3.8541% | 1,260 |
| Loan and lease loss provision to assets | 0.8457% | 1,721 |
| Net operating income to assets | 0.6524% | 3,614 |
| Return on assets (ROA) | 0.6524% | 3,770 |
| Pretax return on assets | 0.8941% | 3,520 |
| Return on Equity (ROE) | 5.6152% | 3,986 |
| Retained earnings to average equity (ytd only) | 5.6152% | 2,547 |
| Net charge-offs to loans | 1.0549% | 1,782 |
| Credit loss provision to net charge-offs | 106.8702% | 3,822 |
| Earnings coverage of net charge-offs (x) | 2.1985% | 3,917 |
| Efficiency ratio | 68.8985% | 4,402 |
| Assets per employee ($millions) | 2.7159% | 6,759 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2409% | 306 |
| Loan loss allowance to noncurrent loans | 108.5533% | 2,560 |
| Noncurrent assets plus other real estate owned to assets | 3.0107% | 2,364 |
| Noncurrent loans to loans | 3.9068% | 1,952 |
| Net loans and leases to total assets | 65.7433% | 3,881 |
| Net loans and leases to deposits | 74.1834% | 4,648 |
| Net loans and leases to core deposits | 77.4611% | 5,029 |
| Total domestic deposits to total assets | 88.6227% | 1,661 |
| Equity capital to assets | 11.0318% | 2,827 |
| Core capital (leverage) ratio | 11.1197% | 2,156 |
| Tier 1 risk-based capital ratio | 12.0811% | 5,243 |
| Total risk-based capital ratio | 13.3474% | 5,196 |
| Memoranda: | ||
| Average total assets | $33,107,330 | 7,254 |
| Average earning assets | $30,873,330 | 7,193 |
| Average equity | $3,846,670 | 7,168 |
| Average total loans | $24,836,000 | 6,818 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7118% | 261 |
| Cost of funding earning assets | 1.2829% | 4,912 |
| Net interest margin | 5.4289% | 202 |
| Noninterest income to average assets | 0.8748% | 1,723 |
| Noninterest expense to average assets | 3.8491% | 1,247 |
| Loan and lease loss provision to assets | 1.1872% | 1,027 |
| Net operating income to assets | 0.7373% | 3,274 |
| Return on assets (ROA) | 0.7373% | 3,377 |
| Pretax return on assets | 0.8623% | 3,620 |
| Return on Equity (ROE) | 6.1740% | 3,784 |
| Retained earnings to average equity (ytd only) | 6.1740% | 2,535 |
| Net charge-offs to loans | 1.1777% | 1,442 |
| Credit loss provision to net charge-offs | 128.3784% | 2,744 |
| Earnings coverage of net charge-offs (x) | 2.2162% | 3,434 |
| Efficiency ratio | 65.2542% | 5,261 |
| Assets per employee ($millions) | 2.5155% | 7,178 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1071% | 341 |
| Loan loss allowance to noncurrent loans | 96.1183% | 2,885 |
| Noncurrent assets plus other real estate owned to assets | 3.6634% | 1,909 |
| Noncurrent loans to loans | 4.2730% | 1,787 |
| Net loans and leases to total assets | 74.2523% | 1,919 |
| Net loans and leases to deposits | 84.4210% | 2,867 |
| Net loans and leases to core deposits | 88.4880% | 3,574 |
| Total domestic deposits to total assets | 87.9549% | 2,090 |
| Equity capital to assets | 11.7607% | 2,194 |
| Core capital (leverage) ratio | 11.6983% | 1,802 |
| Tier 1 risk-based capital ratio | 12.9685% | 4,355 |
| Total risk-based capital ratio | 14.2301% | 4,324 |
| Memoranda: | ||
| Average total assets | $32,007,500 | 7,381 |
| Average earning assets | $29,619,500 | 7,336 |
| Average equity | $3,822,500 | 7,247 |
| Average total loans | $25,134,000 | 6,875 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7893% | 391 |
| Cost of funding earning assets | 1.5824% | 5,114 |
| Net interest margin | 5.2069% | 285 |
| Noninterest income to average assets | 1.0828% | 1,317 |
| Noninterest expense to average assets | 3.8616% | 1,564 |
| Loan and lease loss provision to assets | 0.6867% | 3,080 |
| Net operating income to assets | 0.7698% | 2,637 |
| Return on assets (ROA) | 0.7698% | 2,730 |
| Pretax return on assets | 1.2744% | 1,769 |
| Return on Equity (ROE) | 6.3763% | 3,044 |
| Retained earnings to average equity (ytd only) | 1.6139% | 3,951 |
| Net charge-offs to loans | 2.2090% | 1,076 |
| Credit loss provision to net charge-offs | 40.6427% | 6,825 |
| Earnings coverage of net charge-offs (x) | 1.1607% | 4,963 |
| Efficiency ratio | 66.3193% | 5,330 |
| Assets per employee ($millions) | 2.4087% | 7,344 |
| Cash dividends to net income (ytd only)* | 74.6888% | 1,363 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0848% | 343 |
| Loan loss allowance to noncurrent loans | 89.0734% | 3,139 |
| Noncurrent assets plus other real estate owned to assets | 4.0239% | 1,638 |
| Noncurrent loans to loans | 4.5859% | 1,539 |
| Net loans and leases to total assets | 76.4124% | 1,708 |
| Net loans and leases to deposits | 88.3274% | 2,505 |
| Net loans and leases to core deposits | 109.1610% | 2,985 |
| Total domestic deposits to total assets | 86.5104% | 2,758 |
| Equity capital to assets | 12.1323% | 1,949 |
| Core capital (leverage) ratio | 11.6855% | 1,822 |
| Tier 1 risk-based capital ratio | 13.9032% | 3,562 |
| Total risk-based capital ratio | 15.1849% | 3,496 |
| Memoranda: | ||
| Average total assets | $31,308,000 | 7,430 |
| Average earning assets | $28,500,800 | 7,413 |
| Average equity | $3,779,600 | 7,359 |
| Average total loans | $23,947,200 | 6,977 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6556% | 550 |
| Cost of funding earning assets | 1.6405% | 5,200 |
| Net interest margin | 5.0151% | 427 |
| Noninterest income to average assets | 1.0732% | 1,377 |
| Noninterest expense to average assets | 3.7818% | 1,632 |
| Loan and lease loss provision to assets | 0.4046% | 3,895 |
| Net operating income to assets | 0.9412% | 2,268 |
| Return on assets (ROA) | 0.9412% | 2,331 |
| Pretax return on assets | 1.4437% | 1,586 |
| Return on Equity (ROE) | 7.8061% | 2,722 |
| Retained earnings to average equity (ytd only) | 3.0376% | 3,627 |
| Net charge-offs to loans | 1.7836% | 1,134 |
| Credit loss provision to net charge-offs | 29.9685% | 6,510 |
| Earnings coverage of net charge-offs (x) | 1.3691% | 4,754 |
| Efficiency ratio | 67.1710% | 5,148 |
| Assets per employee ($millions) | 2.4245% | 7,342 |
| Cash dividends to net income (ytd only)* | 61.0874% | 1,552 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6412% | 185 |
| Loan loss allowance to noncurrent loans | 95.0385% | 2,897 |
| Noncurrent assets plus other real estate owned to assets | 4.0770% | 1,557 |
| Noncurrent loans to loans | 4.8834% | 1,379 |
| Net loans and leases to total assets | 72.4253% | 2,929 |
| Net loans and leases to deposits | 82.8175% | 3,864 |
| Net loans and leases to core deposits | 100.5772% | 4,310 |
| Total domestic deposits to total assets | 87.4516% | 1,921 |
| Equity capital to assets | 12.1232% | 2,173 |
| Core capital (leverage) ratio | 11.6087% | 2,013 |
| Tier 1 risk-based capital ratio | 14.5352% | 3,257 |
| Total risk-based capital ratio | 15.8042% | 3,197 |
| Memoranda: | ||
| Average total assets | $31,306,750 | 7,490 |
| Average earning assets | $28,446,750 | 7,483 |
| Average equity | $3,774,750 | 7,427 |
| Average total loans | $23,697,500 | 7,053 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5975% | 661 |
| Cost of funding earning assets | 1.6759% | 5,387 |
| Net interest margin | 4.9216% | 513 |
| Noninterest income to average assets | 1.1461% | 1,190 |
| Noninterest expense to average assets | 3.7777% | 1,691 |
| Loan and lease loss provision to assets | 0.3842% | 3,616 |
| Net operating income to assets | 0.9732% | 2,197 |
| Return on assets (ROA) | 0.9732% | 2,294 |
| Pretax return on assets | 1.4406% | 1,620 |
| Return on Equity (ROE) | 8.0865% | 2,735 |
| Retained earnings to average equity (ytd only) | 3.2985% | 3,488 |
| Net charge-offs to loans | 2.5744% | 657 |
| Credit loss provision to net charge-offs | 19.7368% | 6,131 |
| Earnings coverage of net charge-offs (x) | 0.9375% | 4,828 |
| Efficiency ratio | 67.4286% | 5,268 |
| Assets per employee ($millions) | 2.5215% | 7,210 |
| Cash dividends to net income (ytd only)* | 59.2105% | 1,703 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6728% | 157 |
| Loan loss allowance to noncurrent loans | 141.7969% | 2,081 |
| Noncurrent assets plus other real estate owned to assets | 2.6968% | 2,382 |
| Noncurrent loans to loans | 3.2954% | 2,142 |
| Net loans and leases to total assets | 67.7730% | 4,188 |
| Net loans and leases to deposits | 76.8879% | 5,039 |
| Net loans and leases to core deposits | 92.5512% | 5,289 |
| Total domestic deposits to total assets | 88.1452% | 1,694 |
| Equity capital to assets | 11.5497% | 2,508 |
| Core capital (leverage) ratio | 11.5027% | 2,085 |
| Tier 1 risk-based capital ratio | 14.5961% | 3,193 |
| Total risk-based capital ratio | 15.8833% | 3,117 |
| Memoranda: | ||
| Average total assets | $31,236,330 | 7,556 |
| Average earning assets | $28,283,330 | 7,553 |
| Average equity | $3,759,330 | 7,493 |
| Average total loans | $23,617,330 | 7,108 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5977% | 710 |
| Cost of funding earning assets | 1.7400% | 5,418 |
| Net interest margin | 4.8576% | 544 |
| Noninterest income to average assets | 1.2736% | 883 |
| Noninterest expense to average assets | 3.8865% | 1,322 |
| Loan and lease loss provision to assets | 0.3939% | 2,967 |
| Net operating income to assets | 0.8272% | 3,017 |
| Return on assets (ROA) | 0.8272% | 3,167 |
| Pretax return on assets | 1.3918% | 1,990 |
| Return on Equity (ROE) | 6.7272% | 3,702 |
| Retained earnings to average equity (ytd only) | 1.9221% | 4,781 |
| Net charge-offs to loans | -0.1178% | 7,919 |
| Credit loss provision to net charge-offs | -428.5714% | 6,376 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5185% | 4,865 |
| Assets per employee ($millions) | 2.4426% | 7,387 |
| Cash dividends to net income (ytd only)* | 71.4286% | 1,240 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.8088% | 72 |
| Loan loss allowance to noncurrent loans | 108.4719% | 2,848 |
| Noncurrent assets plus other real estate owned to assets | 4.5002% | 1,071 |
| Noncurrent loans to loans | 5.3551% | 987 |
| Net loans and leases to total assets | 69.9597% | 3,680 |
| Net loans and leases to deposits | 79.6122% | 4,672 |
| Net loans and leases to core deposits | 94.1633% | 5,136 |
| Total domestic deposits to total assets | 87.8755% | 1,805 |
| Equity capital to assets | 11.8032% | 2,379 |
| Core capital (leverage) ratio | 11.8735% | 1,959 |
| Tier 1 risk-based capital ratio | 14.4826% | 3,319 |
| Total risk-based capital ratio | 15.7635% | 3,227 |
| Memoranda: | ||
| Average total assets | $30,464,500 | 7,632 |
| Average earning assets | $27,585,500 | 7,626 |
| Average equity | $3,746,000 | 7,540 |
| Average total loans | $23,773,500 | 7,146 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.9802% | 199 |
| Cost of funding earning assets | 2.0699% | 6,164 |
| Net interest margin | 5.9103% | 122 |
| Noninterest income to average assets | 1.0493% | 1,425 |
| Noninterest expense to average assets | 3.9641% | 1,470 |
| Loan and lease loss provision to assets | 0.5300% | 2,695 |
| Net operating income to assets | 1.1588% | 1,916 |
| Return on assets (ROA) | 1.1588% | 1,841 |
| Pretax return on assets | 1.9926% | 616 |
| Return on Equity (ROE) | 8.9701% | 2,653 |
| Retained earnings to average equity (ytd only) | 4.0475% | 2,615 |
| Net charge-offs to loans | 0.0220% | 6,539 |
| Credit loss provision to net charge-offs | 3,000.0000% | 162 |
| Earnings coverage of net charge-offs (x) | 142.8000% | 320 |
| Efficiency ratio | 61.1111% | 6,137 |
| Assets per employee ($millions) | 2.2442% | 7,642 |
| Cash dividends to net income (ytd only)* | 54.8780% | 2,894 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.5630% | 72 |
| Loan loss allowance to noncurrent loans | 267.1343% | 1,503 |
| Noncurrent assets plus other real estate owned to assets | 2.2793% | 2,133 |
| Noncurrent loans to loans | 2.0825% | 2,656 |
| Net loans and leases to total assets | 77.5630% | 2,244 |
| Net loans and leases to deposits | 89.3685% | 3,557 |
| Net loans and leases to core deposits | 106.9272% | 4,086 |
| Total domestic deposits to total assets | 86.7901% | 2,041 |
| Equity capital to assets | 12.8329% | 1,858 |
| Core capital (leverage) ratio | 12.0671% | 1,936 |
| Tier 1 risk-based capital ratio | 14.5596% | 3,267 |
| Total risk-based capital ratio | 15.8571% | 3,170 |
| Memoranda: | ||
| Average total assets | $28,304,200 | 7,713 |
| Average earning assets | $26,039,400 | 7,688 |
| Average equity | $3,656,600 | 7,628 |
| Average total loans | $22,708,200 | 7,151 |