Home > Community Trust Bank > Performance and Condition Ratios
Community Trust Bank, Performance and Condition Ratios
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3247% | 3,527 |
| Cost of funding earning assets | 0.2179% | 3,613 |
| Net interest margin | 3.1068% | 3,161 |
| Noninterest income to average assets | 0.5000% | 2,092 |
| Noninterest expense to average assets | 2.3096% | 2,698 |
| Loan and lease loss provision to assets | 0.0700% | 1,594 |
| Net operating income to assets | 0.6281% | 3,808 |
| Return on assets (ROA) | 0.6281% | 3,762 |
| Pretax return on assets | 0.6272% | 3,982 |
| Return on Equity (ROE) | 6.6400% | 3,703 |
| Retained earnings to average equity (ytd only) | 5.9252% | 2,672 |
| Net charge-offs to loans | 0.1395% | 580 |
| Credit loss provision to net charge-offs | 133.3333% | 1,390 |
| Earnings coverage of net charge-offs (x) | 13.7037% | 2,056 |
| Efficiency ratio | 76.8750% | 932 |
| Assets per employee ($millions) | 6.7132% | 2,176 |
| Cash dividends to net income (ytd only)* | 10.7623% | 3,209 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4859% | 1,241 |
| Loan loss allowance to noncurrent loans | 1,641.1765% | 686 |
| Noncurrent assets plus other real estate owned to assets | 0.4972% | 1,026 |
| Noncurrent loans to loans | 0.0905% | 3,109 |
| Net loans and leases to total assets | 34.4400% | 4,267 |
| Net loans and leases to deposits | 38.0439% | 4,289 |
| Net loans and leases to core deposits | 38.2460% | 4,325 |
| Total domestic deposits to total assets | 90.5300% | 1,136 |
| Equity capital to assets | 8.7542% | 2,527 |
| Core capital (leverage) ratio | 12.1637% | 1,217 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.6435% | 502 |
| Memoranda: | ||
| Average total assets | $106,512,000 | 3,873 |
| Average earning assets | $85,811,600 | 3,970 |
| Average equity | $10,075,600 | 3,864 |
| Average total loans | $38,706,800 | 4,086 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2526% | 3,302 |
| Cost of funding earning assets | 0.2140% | 3,103 |
| Net interest margin | 3.0386% | 3,120 |
| Noninterest income to average assets | 0.5300% | 2,002 |
| Noninterest expense to average assets | 2.3433% | 2,498 |
| Loan and lease loss provision to assets | 0.0700% | 1,430 |
| Net operating income to assets | 0.5808% | 3,881 |
| Return on assets (ROA) | 0.5808% | 3,836 |
| Pretax return on assets | 0.5582% | 4,056 |
| Return on Equity (ROE) | 6.0300% | 3,794 |
| Retained earnings to average equity (ytd only) | 6.0263% | 2,746 |
| Net charge-offs to loans | 0.1846% | 363 |
| Credit loss provision to net charge-offs | 100.0000% | 1,321 |
| Earnings coverage of net charge-offs (x) | 9.2407% | 2,028 |
| Efficiency ratio | 78.9185% | 843 |
| Assets per employee ($millions) | 5.9562% | 2,803 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4353% | 1,492 |
| Loan loss allowance to noncurrent loans | 461.5385% | 1,672 |
| Noncurrent assets plus other real estate owned to assets | 0.6093% | 873 |
| Noncurrent loans to loans | 0.3110% | 2,132 |
| Net loans and leases to total assets | 36.6200% | 4,199 |
| Net loans and leases to deposits | 40.5489% | 4,220 |
| Net loans and leases to core deposits | 40.8978% | 4,249 |
| Total domestic deposits to total assets | 90.3200% | 1,517 |
| Equity capital to assets | 8.9061% | 2,278 |
| Core capital (leverage) ratio | 12.1135% | 1,196 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.7344% | 509 |
| Memoranda: | ||
| Average total assets | $106,287,250 | 3,894 |
| Average earning assets | $85,345,500 | 4,005 |
| Average equity | $10,243,750 | 3,886 |
| Average total loans | $38,995,250 | 4,102 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1545% | 3,178 |
| Cost of funding earning assets | 0.2098% | 2,780 |
| Net interest margin | 2.9447% | 3,050 |
| Noninterest income to average assets | 0.5224% | 2,076 |
| Noninterest expense to average assets | 2.2952% | 2,566 |
| Loan and lease loss provision to assets | 0.0648% | 1,441 |
| Net operating income to assets | 0.5520% | 3,756 |
| Return on assets (ROA) | 0.5520% | 3,708 |
| Pretax return on assets | 0.5020% | 3,997 |
| Return on Equity (ROE) | 5.5950% | 3,682 |
| Retained earnings to average equity (ytd only) | 5.5950% | 2,475 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.1942% | 930 |
| Assets per employee ($millions) | 5.7251% | 3,003 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4843% | 1,451 |
| Loan loss allowance to noncurrent loans | 487.2881% | 1,582 |
| Noncurrent assets plus other real estate owned to assets | 0.5997% | 931 |
| Noncurrent loans to loans | 0.3046% | 2,238 |
| Net loans and leases to total assets | 37.0328% | 4,205 |
| Net loans and leases to deposits | 41.0187% | 4,228 |
| Net loans and leases to core deposits | 41.3651% | 4,284 |
| Total domestic deposits to total assets | 90.2826% | 1,588 |
| Equity capital to assets | 9.0052% | 2,385 |
| Core capital (leverage) ratio | 10.9686% | 1,631 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.3305% | 515 |
| Memoranda: | ||
| Average total assets | $107,964,333 | 3,914 |
| Average earning assets | $85,782,333 | 4,049 |
| Average equity | $10,652,333 | 3,919 |
| Average total loans | $39,453,000 | 4,147 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1752% | 2,761 |
| Cost of funding earning assets | 0.2200% | 2,528 |
| Net interest margin | 2.9552% | 2,652 |
| Noninterest income to average assets | 0.5289% | 1,999 |
| Noninterest expense to average assets | 2.2677% | 2,620 |
| Loan and lease loss provision to assets | 0.0688% | 1,194 |
| Net operating income to assets | 0.4202% | 3,913 |
| Return on assets (ROA) | 0.4202% | 3,876 |
| Pretax return on assets | 0.4311% | 3,981 |
| Return on Equity (ROE) | 4.0923% | 3,852 |
| Retained earnings to average equity (ytd only) | 4.0923% | 2,902 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.9372% | 986 |
| Assets per employee ($millions) | 5.5653% | 3,256 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4103% | 1,870 |
| Loan loss allowance to noncurrent loans | 69.4894% | 3,666 |
| Noncurrent assets plus other real estate owned to assets | 1.2323% | 352 |
| Noncurrent loans to loans | 2.0295% | 355 |
| Net loans and leases to total assets | 36.8911% | 4,161 |
| Net loans and leases to deposits | 41.3454% | 4,186 |
| Net loans and leases to core deposits | 41.5781% | 4,256 |
| Total domestic deposits to total assets | 89.2265% | 1,960 |
| Equity capital to assets | 10.1049% | 1,825 |
| Core capital (leverage) ratio | 10.7283% | 1,667 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.8544% | 574 |
| Memoranda: | ||
| Average total assets | $110,420,500 | 3,911 |
| Average earning assets | $83,648,500 | 4,092 |
| Average equity | $11,338,500 | 3,922 |
| Average total loans | $39,810,500 | 4,159 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4746% | 2,735 |
| Cost of funding earning assets | 0.2107% | 3,358 |
| Net interest margin | 3.2639% | 2,426 |
| Noninterest income to average assets | 0.5443% | 2,377 |
| Noninterest expense to average assets | 2.5954% | 1,881 |
| Loan and lease loss provision to assets | -0.0595% | 4,402 |
| Net operating income to assets | 0.5512% | 3,981 |
| Return on assets (ROA) | 0.5730% | 3,975 |
| Pretax return on assets | 0.5482% | 4,181 |
| Return on Equity (ROE) | 4.6517% | 4,069 |
| Retained earnings to average equity (ytd only) | -1.2072% | 4,589 |
| Net charge-offs to loans | -0.0026% | 3,415 |
| Credit loss provision to net charge-offs | 6,000.0000% | 122 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.7523% | 533 |
| Assets per employee ($millions) | 6.0579% | 2,711 |
| Cash dividends to net income (ytd only)* | 125.9516% | 107 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3482% | 2,148 |
| Loan loss allowance to noncurrent loans | 450.0000% | 1,558 |
| Noncurrent assets plus other real estate owned to assets | 0.5387% | 1,231 |
| Noncurrent loans to loans | 0.2996% | 2,523 |
| Net loans and leases to total assets | 34.3301% | 4,363 |
| Net loans and leases to deposits | 38.6218% | 4,379 |
| Net loans and leases to core deposits | 38.8222% | 4,429 |
| Total domestic deposits to total assets | 88.8879% | 1,580 |
| Equity capital to assets | 10.4188% | 2,246 |
| Core capital (leverage) ratio | 11.2313% | 1,428 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.9123% | 663 |
| Memoranda: | ||
| Average total assets | $100,872,200 | 3,977 |
| Average earning assets | $77,821,800 | 4,158 |
| Average equity | $12,425,600 | 3,891 |
| Average total loans | $38,099,000 | 4,230 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5125% | 2,793 |
| Cost of funding earning assets | 0.2093% | 3,522 |
| Net interest margin | 3.3032% | 2,404 |
| Noninterest income to average assets | 0.5590% | 2,378 |
| Noninterest expense to average assets | 2.5744% | 1,915 |
| Loan and lease loss provision to assets | 0.0298% | 2,400 |
| Net operating income to assets | 0.7645% | 3,614 |
| Return on assets (ROA) | 0.7645% | 3,675 |
| Pretax return on assets | 0.5494% | 4,301 |
| Return on Equity (ROE) | 5.9357% | 3,926 |
| Retained earnings to average equity (ytd only) | 3.8720% | 3,612 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.6247% | 657 |
| Assets per employee ($millions) | 5.1090% | 3,594 |
| Cash dividends to net income (ytd only)* | 34.7670% | 1,857 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7440% | 1,021 |
| Loan loss allowance to noncurrent loans | 591.4286% | 1,201 |
| Noncurrent assets plus other real estate owned to assets | 0.7242% | 1,017 |
| Noncurrent loans to loans | 0.2949% | 2,733 |
| Net loans and leases to total assets | 36.0427% | 4,389 |
| Net loans and leases to deposits | 41.8946% | 4,382 |
| Net loans and leases to core deposits | 42.1606% | 4,445 |
| Total domestic deposits to total assets | 86.0319% | 2,737 |
| Equity capital to assets | 13.1399% | 942 |
| Core capital (leverage) ratio | 12.0334% | 1,155 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.3216% | 409 |
| Memoranda: | ||
| Average total assets | $97,315,250 | 4,064 |
| Average earning assets | $76,449,000 | 4,229 |
| Average equity | $12,534,000 | 3,933 |
| Average total loans | $37,610,250 | 4,296 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4323% | 3,074 |
| Cost of funding earning assets | 0.2106% | 3,650 |
| Net interest margin | 3.2217% | 2,692 |
| Noninterest income to average assets | 0.5421% | 2,438 |
| Noninterest expense to average assets | 2.5524% | 1,989 |
| Loan and lease loss provision to assets | 0.0062% | 2,779 |
| Net operating income to assets | 0.7372% | 3,664 |
| Return on assets (ROA) | 0.7372% | 3,732 |
| Pretax return on assets | 0.4969% | 4,396 |
| Return on Equity (ROE) | 5.7623% | 3,965 |
| Retained earnings to average equity (ytd only) | 2.6484% | 3,955 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.5349% | 577 |
| Assets per employee ($millions) | 4.9925% | 3,662 |
| Cash dividends to net income (ytd only)* | 54.0390% | 1,110 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5845% | 1,314 |
| Loan loss allowance to noncurrent loans | 332.5967% | 1,749 |
| Noncurrent assets plus other real estate owned to assets | 0.7802% | 1,046 |
| Noncurrent loans to loans | 0.4764% | 2,247 |
| Net loans and leases to total assets | 37.4475% | 4,410 |
| Net loans and leases to deposits | 43.1852% | 4,416 |
| Net loans and leases to core deposits | 43.4496% | 4,479 |
| Total domestic deposits to total assets | 86.7139% | 2,467 |
| Equity capital to assets | 12.5199% | 1,123 |
| Core capital (leverage) ratio | 11.8037% | 1,173 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.3881% | 462 |
| Memoranda: | ||
| Average total assets | $97,396,667 | 4,089 |
| Average earning assets | $75,984,333 | 4,260 |
| Average equity | $12,460,333 | 3,948 |
| Average total loans | $38,277,667 | 4,319 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3361% | 3,372 |
| Cost of funding earning assets | 0.2142% | 3,788 |
| Net interest margin | 3.1219% | 2,922 |
| Noninterest income to average assets | 0.5449% | 2,422 |
| Noninterest expense to average assets | 2.6245% | 1,818 |
| Loan and lease loss provision to assets | -0.0665% | 4,676 |
| Net operating income to assets | 0.4118% | 4,341 |
| Return on assets (ROA) | 0.4118% | 4,370 |
| Pretax return on assets | 0.4118% | 4,470 |
| Return on Equity (ROE) | 3.1833% | 4,441 |
| Retained earnings to average equity (ytd only) | 3.1833% | 3,724 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.3754% | 426 |
| Assets per employee ($millions) | 4.5499% | 4,058 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5268% | 1,515 |
| Loan loss allowance to noncurrent loans | 269.9074% | 1,905 |
| Noncurrent assets plus other real estate owned to assets | 0.8519% | 1,044 |
| Noncurrent loans to loans | 0.5657% | 2,158 |
| Net loans and leases to total assets | 39.3534% | 4,370 |
| Net loans and leases to deposits | 45.6500% | 4,371 |
| Net loans and leases to core deposits | 45.9440% | 4,443 |
| Total domestic deposits to total assets | 86.2068% | 2,666 |
| Equity capital to assets | 12.8931% | 946 |
| Core capital (leverage) ratio | 12.6037% | 958 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.8223% | 461 |
| Memoranda: | ||
| Average total assets | $96,170,500 | 4,116 |
| Average earning assets | $74,699,000 | 4,293 |
| Average equity | $12,440,000 | 3,962 |
| Average total loans | $38,420,000 | 4,333 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0713% | 2,506 |
| Cost of funding earning assets | 0.2798% | 4,249 |
| Net interest margin | 3.7915% | 1,522 |
| Noninterest income to average assets | 0.6437% | 2,052 |
| Noninterest expense to average assets | 2.9728% | 1,498 |
| Loan and lease loss provision to assets | 0.1327% | 2,701 |
| Net operating income to assets | 0.6579% | 3,565 |
| Return on assets (ROA) | 0.6806% | 3,620 |
| Pretax return on assets | 0.8329% | 3,548 |
| Return on Equity (ROE) | 4.8893% | 3,935 |
| Retained earnings to average equity (ytd only) | 3.2816% | 3,186 |
| Net charge-offs to loans | 0.0179% | 2,730 |
| Credit loss provision to net charge-offs | 1,642.8571% | 515 |
| Earnings coverage of net charge-offs (x) | 116.1429% | 718 |
| Efficiency ratio | 76.0177% | 1,226 |
| Assets per employee ($millions) | 4.8397% | 3,561 |
| Cash dividends to net income (ytd only)* | 32.8814% | 2,712 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5496% | 1,430 |
| Loan loss allowance to noncurrent loans | 268.6099% | 1,856 |
| Noncurrent assets plus other real estate owned to assets | 0.8482% | 1,181 |
| Noncurrent loans to loans | 0.5769% | 2,256 |
| Net loans and leases to total assets | 39.3175% | 4,465 |
| Net loans and leases to deposits | 47.3994% | 4,417 |
| Net loans and leases to core deposits | 47.7114% | 4,493 |
| Total domestic deposits to total assets | 82.9494% | 3,426 |
| Equity capital to assets | 12.9770% | 1,095 |
| Core capital (leverage) ratio | 12.9722% | 903 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.5944% | 466 |
| Memoranda: | ||
| Average total assets | $86,686,800 | 4,164 |
| Average earning assets | $74,694,000 | 4,223 |
| Average equity | $12,067,200 | 3,964 |
| Average total loans | $39,118,600 | 4,324 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1215% | 2,615 |
| Cost of funding earning assets | 0.2851% | 4,371 |
| Net interest margin | 3.8364% | 1,513 |
| Noninterest income to average assets | 0.5925% | 2,207 |
| Noninterest expense to average assets | 3.0544% | 1,330 |
| Loan and lease loss provision to assets | 0.1521% | 2,490 |
| Net operating income to assets | 0.6258% | 3,704 |
| Return on assets (ROA) | 0.6559% | 3,711 |
| Pretax return on assets | 0.8349% | 3,557 |
| Return on Equity (ROE) | 4.6215% | 3,992 |
| Retained earnings to average equity (ytd only) | 3.5387% | 3,289 |
| Net charge-offs to loans | 0.0238% | 2,365 |
| Credit loss provision to net charge-offs | 1,371.4286% | 664 |
| Earnings coverage of net charge-offs (x) | 85.5714% | 883 |
| Efficiency ratio | 76.2960% | 1,186 |
| Assets per employee ($millions) | 3.9512% | 4,350 |
| Cash dividends to net income (ytd only)* | 23.4300% | 2,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3755% | 1,851 |
| Loan loss allowance to noncurrent loans | 247.8632% | 1,879 |
| Noncurrent assets plus other real estate owned to assets | 1.0089% | 1,097 |
| Noncurrent loans to loans | 0.5549% | 2,406 |
| Net loans and leases to total assets | 47.8424% | 4,222 |
| Net loans and leases to deposits | 58.9876% | 4,121 |
| Net loans and leases to core deposits | 59.4301% | 4,234 |
| Total domestic deposits to total assets | 81.1060% | 3,636 |
| Equity capital to assets | 14.3224% | 777 |
| Core capital (leverage) ratio | 13.0896% | 925 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.5532% | 429 |
| Memoranda: | ||
| Average total assets | $84,160,000 | 4,199 |
| Average earning assets | $74,825,500 | 4,235 |
| Average equity | $11,943,750 | 3,990 |
| Average total loans | $39,234,250 | 4,349 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9302% | 3,531 |
| Cost of funding earning assets | 0.3050% | 4,465 |
| Net interest margin | 3.6251% | 2,400 |
| Noninterest income to average assets | 0.5863% | 2,183 |
| Noninterest expense to average assets | 2.9001% | 1,830 |
| Loan and lease loss provision to assets | 0.1610% | 2,389 |
| Net operating income to assets | 0.5095% | 3,994 |
| Return on assets (ROA) | 0.5550% | 3,952 |
| Pretax return on assets | 0.7809% | 3,645 |
| Return on Equity (ROE) | 3.9236% | 4,129 |
| Retained earnings to average equity (ytd only) | 2.2760% | 3,648 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6349% | 1,203 |
| Assets per employee ($millions) | 4.1528% | 4,153 |
| Cash dividends to net income (ytd only)* | 41.9913% | 1,872 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3330% | 1,867 |
| Loan loss allowance to noncurrent loans | 92.8453% | 3,318 |
| Noncurrent assets plus other real estate owned to assets | 1.4838% | 632 |
| Noncurrent loans to loans | 1.4357% | 1,069 |
| Net loans and leases to total assets | 47.3621% | 4,289 |
| Net loans and leases to deposits | 58.0202% | 4,224 |
| Net loans and leases to core deposits | 58.4496% | 4,332 |
| Total domestic deposits to total assets | 81.6303% | 3,464 |
| Equity capital to assets | 13.9355% | 869 |
| Core capital (leverage) ratio | 13.0467% | 985 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.5697% | 423 |
| Memoranda: | ||
| Average total assets | $83,237,667 | 4,218 |
| Average earning assets | $73,432,000 | 4,256 |
| Average equity | $11,775,000 | 4,013 |
| Average total loans | $38,256,333 | 4,380 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0118% | 3,753 |
| Cost of funding earning assets | 0.3263% | 4,577 |
| Net interest margin | 3.6854% | 2,373 |
| Noninterest income to average assets | 0.6597% | 1,804 |
| Noninterest expense to average assets | 2.9833% | 1,922 |
| Loan and lease loss provision to assets | 0.2412% | 1,289 |
| Net operating income to assets | 0.5890% | 3,628 |
| Return on assets (ROA) | 0.6941% | 3,361 |
| Pretax return on assets | 0.7778% | 3,471 |
| Return on Equity (ROE) | 4.8679% | 3,681 |
| Retained earnings to average equity (ytd only) | 4.8679% | 2,336 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8061% | 1,473 |
| Assets per employee ($millions) | 3.7961% | 4,173 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4777% | 1,422 |
| Loan loss allowance to noncurrent loans | 88.5246% | 3,410 |
| Noncurrent assets plus other real estate owned to assets | 1.6345% | 619 |
| Noncurrent loans to loans | 1.6693% | 918 |
| Net loans and leases to total assets | 45.1624% | 4,458 |
| Net loans and leases to deposits | 53.2888% | 4,474 |
| Net loans and leases to core deposits | 53.7038% | 4,578 |
| Total domestic deposits to total assets | 84.7502% | 2,511 |
| Equity capital to assets | 14.5248% | 889 |
| Core capital (leverage) ratio | 14.1018% | 883 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.4026% | 421 |
| Memoranda: | ||
| Average total assets | $81,252,000 | 4,253 |
| Average earning assets | $71,091,000 | 4,296 |
| Average equity | $11,586,000 | 4,054 |
| Average total loans | $36,453,500 | 4,443 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1048% | 4,028 |
| Cost of funding earning assets | 0.3149% | 4,696 |
| Net interest margin | 3.7899% | 2,536 |
| Noninterest income to average assets | 0.6661% | 1,941 |
| Noninterest expense to average assets | 2.9975% | 2,024 |
| Loan and lease loss provision to assets | 0.1996% | 1,020 |
| Net operating income to assets | 0.7194% | 3,802 |
| Return on assets (ROA) | 0.7273% | 3,845 |
| Pretax return on assets | 0.7788% | 4,016 |
| Return on Equity (ROE) | 5.2581% | 4,142 |
| Retained earnings to average equity (ytd only) | 2.8946% | 3,583 |
| Net charge-offs to loans | 1.6122% | 85 |
| Credit loss provision to net charge-offs | 27.0315% | 3,291 |
| Earnings coverage of net charge-offs (x) | 1.3134% | 3,554 |
| Efficiency ratio | 75.5556% | 1,412 |
| Assets per employee ($millions) | 3.7630% | 4,201 |
| Cash dividends to net income (ytd only)* | 44.9495% | 2,339 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3502% | 1,709 |
| Loan loss allowance to noncurrent loans | 79.0660% | 3,607 |
| Noncurrent assets plus other real estate owned to assets | 1.5872% | 619 |
| Noncurrent loans to loans | 1.7077% | 808 |
| Net loans and leases to total assets | 43.3327% | 4,627 |
| Net loans and leases to deposits | 50.8001% | 4,656 |
| Net loans and leases to core deposits | 51.1777% | 4,727 |
| Total domestic deposits to total assets | 85.3005% | 2,381 |
| Equity capital to assets | 14.0037% | 1,099 |
| Core capital (leverage) ratio | 14.4302% | 820 |
| Tier 1 risk-based capital ratio | 23.8867% | 839 |
| Total risk-based capital ratio | 24.9181% | 841 |
| Memoranda: | ||
| Average total assets | $81,668,800 | 4,260 |
| Average earning assets | $71,137,000 | 4,329 |
| Average equity | $11,296,800 | 4,081 |
| Average total loans | $37,401,600 | 4,466 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1591% | 4,020 |
| Cost of funding earning assets | 0.3089% | 4,775 |
| Net interest margin | 3.8501% | 2,435 |
| Noninterest income to average assets | 0.6438% | 2,016 |
| Noninterest expense to average assets | 3.0748% | 1,769 |
| Loan and lease loss provision to assets | 0.1130% | 1,727 |
| Net operating income to assets | 0.7430% | 3,868 |
| Return on assets (ROA) | 0.7536% | 3,906 |
| Pretax return on assets | 0.8158% | 4,085 |
| Return on Equity (ROE) | 5.4650% | 4,200 |
| Retained earnings to average equity (ytd only) | 3.4572% | 3,682 |
| Net charge-offs to loans | 2.1666% | 52 |
| Credit loss provision to net charge-offs | 11.2745% | 3,001 |
| Earnings coverage of net charge-offs (x) | 0.9150% | 3,334 |
| Efficiency ratio | 77.0209% | 1,216 |
| Assets per employee ($millions) | 3.3989% | 4,595 |
| Cash dividends to net income (ytd only)* | 36.7394% | 2,299 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1469% | 2,790 |
| Loan loss allowance to noncurrent loans | 58.2583% | 4,034 |
| Noncurrent assets plus other real estate owned to assets | 1.7384% | 577 |
| Noncurrent loans to loans | 1.9687% | 686 |
| Net loans and leases to total assets | 42.7784% | 4,729 |
| Net loans and leases to deposits | 50.7975% | 4,753 |
| Net loans and leases to core deposits | 51.2019% | 4,810 |
| Total domestic deposits to total assets | 84.2136% | 2,746 |
| Equity capital to assets | 14.8168% | 902 |
| Core capital (leverage) ratio | 13.8959% | 1,011 |
| Tier 1 risk-based capital ratio | 25.4719% | 739 |
| Total risk-based capital ratio | 26.3437% | 752 |
| Memoranda: | ||
| Average total assets | $81,389,750 | 4,318 |
| Average earning assets | $70,783,500 | 4,387 |
| Average equity | $11,222,750 | 4,127 |
| Average total loans | $37,661,000 | 4,514 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0820% | 4,207 |
| Cost of funding earning assets | 0.3063% | 4,811 |
| Net interest margin | 3.7757% | 2,668 |
| Noninterest income to average assets | 0.6160% | 2,080 |
| Noninterest expense to average assets | 3.0196% | 1,959 |
| Loan and lease loss provision to assets | 0.1213% | 1,547 |
| Net operating income to assets | 0.7299% | 3,895 |
| Return on assets (ROA) | 0.7276% | 3,963 |
| Pretax return on assets | 0.7616% | 4,191 |
| Return on Equity (ROE) | 5.4041% | 4,236 |
| Retained earnings to average equity (ytd only) | 2.3598% | 4,002 |
| Net charge-offs to loans | 0.3493% | 479 |
| Credit loss provision to net charge-offs | 73.5294% | 2,291 |
| Earnings coverage of net charge-offs (x) | 5.3676% | 2,665 |
| Efficiency ratio | 77.3292% | 1,236 |
| Assets per employee ($millions) | 3.5201% | 4,478 |
| Cash dividends to net income (ytd only)* | 56.3333% | 1,524 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3782% | 263 |
| Loan loss allowance to noncurrent loans | 44.0637% | 4,317 |
| Noncurrent assets plus other real estate owned to assets | 2.5592% | 285 |
| Noncurrent loans to loans | 5.3972% | 88 |
| Net loans and leases to total assets | 46.2896% | 4,633 |
| Net loans and leases to deposits | 54.3925% | 4,670 |
| Net loans and leases to core deposits | 55.0485% | 4,747 |
| Total domestic deposits to total assets | 85.1029% | 2,433 |
| Equity capital to assets | 14.0560% | 1,096 |
| Core capital (leverage) ratio | 13.7403% | 1,038 |
| Tier 1 risk-based capital ratio | 23.9797% | 848 |
| Total risk-based capital ratio | 25.2393% | 828 |
| Memoranda: | ||
| Average total assets | $82,461,330 | 4,336 |
| Average earning assets | $71,827,670 | 4,403 |
| Average equity | $11,102,670 | 4,156 |
| Average total loans | $38,938,000 | 4,521 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1087% | 4,100 |
| Cost of funding earning assets | 0.2951% | 4,865 |
| Net interest margin | 3.8136% | 2,475 |
| Noninterest income to average assets | 0.6345% | 1,887 |
| Noninterest expense to average assets | 2.9948% | 2,005 |
| Loan and lease loss provision to assets | 0.0913% | 1,890 |
| Net operating income to assets | 0.7307% | 3,843 |
| Return on assets (ROA) | 0.7307% | 3,890 |
| Pretax return on assets | 0.8412% | 3,941 |
| Return on Equity (ROE) | 5.5454% | 4,175 |
| Retained earnings to average equity (ytd only) | 5.5454% | 2,673 |
| Net charge-offs to loans | -0.0102% | 4,237 |
| Credit loss provision to net charge-offs | -1,900.0000% | 4,058 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2546% | 1,473 |
| Assets per employee ($millions) | 3.8159% | 4,164 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4894% | 251 |
| Loan loss allowance to noncurrent loans | 44.5016% | 4,364 |
| Noncurrent assets plus other real estate owned to assets | 2.6855% | 264 |
| Noncurrent loans to loans | 5.5939% | 88 |
| Net loans and leases to total assets | 46.4865% | 4,647 |
| Net loans and leases to deposits | 55.3416% | 4,632 |
| Net loans and leases to core deposits | 56.0224% | 4,716 |
| Total domestic deposits to total assets | 83.9991% | 3,044 |
| Equity capital to assets | 13.8844% | 1,082 |
| Core capital (leverage) ratio | 13.5503% | 1,078 |
| Tier 1 risk-based capital ratio | 24.5640% | 793 |
| Total risk-based capital ratio | 25.8254% | 782 |
| Memoranda: | ||
| Average total assets | $83,211,000 | 4,361 |
| Average earning assets | $71,847,500 | 4,453 |
| Average equity | $10,964,000 | 4,194 |
| Average total loans | $39,212,000 | 4,562 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0513% | 3,887 |
| Cost of funding earning assets | 0.2646% | 4,738 |
| Net interest margin | 3.7867% | 2,708 |
| Noninterest income to average assets | 0.7334% | 1,718 |
| Noninterest expense to average assets | 3.0093% | 2,024 |
| Loan and lease loss provision to assets | 0.3853% | 365 |
| Net operating income to assets | 0.5416% | 4,563 |
| Return on assets (ROA) | 0.5486% | 4,547 |
| Pretax return on assets | 0.6626% | 4,504 |
| Return on Equity (ROE) | 3.9486% | 4,723 |
| Retained earnings to average equity (ytd only) | 2.0650% | 4,333 |
| Net charge-offs to loans | 0.0531% | 2,395 |
| Credit loss provision to net charge-offs | 1,395.6522% | 304 |
| Earnings coverage of net charge-offs (x) | 37.6522% | 1,374 |
| Efficiency ratio | 74.3255% | 1,585 |
| Assets per employee ($millions) | 4.1090% | 3,737 |
| Cash dividends to net income (ytd only)* | 47.7024% | 2,085 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3147% | 281 |
| Loan loss allowance to noncurrent loans | 44.1232% | 4,410 |
| Noncurrent assets plus other real estate owned to assets | 2.4627% | 315 |
| Noncurrent loans to loans | 5.2459% | 100 |
| Net loans and leases to total assets | 45.5342% | 4,759 |
| Net loans and leases to deposits | 53.2160% | 4,775 |
| Net loans and leases to core deposits | 53.8115% | 4,853 |
| Total domestic deposits to total assets | 85.5648% | 2,413 |
| Equity capital to assets | 12.5184% | 1,569 |
| Core capital (leverage) ratio | 13.3691% | 1,121 |
| Tier 1 risk-based capital ratio | 23.0378% | 917 |
| Total risk-based capital ratio | 24.2955% | 884 |
| Memoranda: | ||
| Average total assets | $83,308,400 | 4,369 |
| Average earning assets | $72,939,600 | 4,443 |
| Average equity | $11,573,600 | 4,079 |
| Average total loans | $43,338,800 | 4,465 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1095% | 3,604 |
| Cost of funding earning assets | 0.2609% | 4,725 |
| Net interest margin | 3.8487% | 2,473 |
| Noninterest income to average assets | 0.6411% | 2,113 |
| Noninterest expense to average assets | 3.0376% | 1,905 |
| Loan and lease loss provision to assets | 0.4877% | 235 |
| Net operating income to assets | 0.3803% | 4,990 |
| Return on assets (ROA) | 0.3892% | 4,977 |
| Pretax return on assets | 0.5103% | 4,889 |
| Return on Equity (ROE) | 2.7309% | 5,040 |
| Retained earnings to average equity (ytd only) | 0.2607% | 4,992 |
| Net charge-offs to loans | -0.0151% | 4,523 |
| Credit loss provision to net charge-offs | -6,040.0000% | 4,870 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4815% | 1,410 |
| Assets per employee ($millions) | 3.5669% | 4,471 |
| Cash dividends to net income (ytd only)* | 90.4553% | 377 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2329% | 341 |
| Loan loss allowance to noncurrent loans | 93.3466% | 3,587 |
| Noncurrent assets plus other real estate owned to assets | 1.2833% | 1,069 |
| Noncurrent loans to loans | 2.3920% | 564 |
| Net loans and leases to total assets | 52.4499% | 4,463 |
| Net loans and leases to deposits | 63.1771% | 4,377 |
| Net loans and leases to core deposits | 63.6815% | 4,535 |
| Total domestic deposits to total assets | 83.0205% | 3,303 |
| Equity capital to assets | 14.7711% | 769 |
| Core capital (leverage) ratio | 14.8704% | 729 |
| Tier 1 risk-based capital ratio | 25.0912% | 746 |
| Total risk-based capital ratio | 26.3511% | 729 |
| Memoranda: | ||
| Average total assets | $82,563,250 | 4,431 |
| Average earning assets | $72,577,250 | 4,495 |
| Average equity | $11,766,500 | 4,096 |
| Average total loans | $44,118,000 | 4,499 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0804% | 3,528 |
| Cost of funding earning assets | 0.2620% | 4,687 |
| Net interest margin | 3.8184% | 2,509 |
| Noninterest income to average assets | 0.6315% | 2,175 |
| Noninterest expense to average assets | 3.0193% | 1,991 |
| Loan and lease loss provision to assets | 0.0882% | 2,152 |
| Net operating income to assets | 0.7360% | 4,081 |
| Return on assets (ROA) | 0.7340% | 4,085 |
| Pretax return on assets | 0.8555% | 4,092 |
| Return on Equity (ROE) | 5.2093% | 4,493 |
| Retained earnings to average equity (ytd only) | 1.5222% | 4,634 |
| Net charge-offs to loans | -0.0223% | 4,610 |
| Credit loss provision to net charge-offs | -740.0000% | 4,440 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.1418% | 1,406 |
| Assets per employee ($millions) | 3.5088% | 4,582 |
| Cash dividends to net income (ytd only)* | 70.7792% | 975 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5850% | 1,150 |
| Loan loss allowance to noncurrent loans | 71.3531% | 3,974 |
| Noncurrent assets plus other real estate owned to assets | 1.1722% | 1,235 |
| Noncurrent loans to loans | 2.2213% | 621 |
| Net loans and leases to total assets | 51.9349% | 4,484 |
| Net loans and leases to deposits | 62.3195% | 4,405 |
| Net loans and leases to core deposits | 63.0365% | 4,550 |
| Total domestic deposits to total assets | 83.3364% | 3,315 |
| Equity capital to assets | 14.5534% | 792 |
| Core capital (leverage) ratio | 14.3942% | 805 |
| Tier 1 risk-based capital ratio | 24.6867% | 763 |
| Total risk-based capital ratio | 25.9379% | 739 |
| Memoranda: | ||
| Average total assets | $83,927,330 | 4,453 |
| Average earning assets | $73,276,330 | 4,522 |
| Average equity | $11,825,000 | 4,115 |
| Average total loans | $44,791,330 | 4,529 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9506% | 3,784 |
| Cost of funding earning assets | 0.2601% | 4,648 |
| Net interest margin | 3.6905% | 2,838 |
| Noninterest income to average assets | 0.6219% | 2,163 |
| Noninterest expense to average assets | 2.9694% | 2,143 |
| Loan and lease loss provision to assets | 0.0888% | 2,029 |
| Net operating income to assets | 0.6494% | 4,279 |
| Return on assets (ROA) | 0.6453% | 4,305 |
| Pretax return on assets | 0.7435% | 4,316 |
| Return on Equity (ROE) | 4.6523% | 4,590 |
| Retained earnings to average equity (ytd only) | 4.6523% | 3,334 |
| Net charge-offs to loans | -0.0261% | 4,681 |
| Credit loss provision to net charge-offs | -633.3333% | 4,064 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.0098% | 1,353 |
| Assets per employee ($millions) | 3.6556% | 4,468 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5097% | 1,431 |
| Loan loss allowance to noncurrent loans | 58.6918% | 4,264 |
| Noncurrent assets plus other real estate owned to assets | 1.3273% | 1,116 |
| Noncurrent loans to loans | 2.5722% | 519 |
| Net loans and leases to total assets | 50.8242% | 4,508 |
| Net loans and leases to deposits | 60.5561% | 4,432 |
| Net loans and leases to core deposits | 61.2189% | 4,602 |
| Total domestic deposits to total assets | 83.9292% | 3,351 |
| Equity capital to assets | 14.0786% | 868 |
| Core capital (leverage) ratio | 14.3744% | 793 |
| Tier 1 risk-based capital ratio | 23.8962% | 847 |
| Total risk-based capital ratio | 25.1458% | 830 |
| Memoranda: | ||
| Average total assets | $85,539,500 | 4,463 |
| Average earning assets | $73,811,000 | 4,556 |
| Average equity | $11,865,000 | 4,146 |
| Average total loans | $45,893,000 | 4,544 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1990% | 2,685 |
| Cost of funding earning assets | 0.2192% | 4,799 |
| Net interest margin | 3.9798% | 1,811 |
| Noninterest income to average assets | 0.7086% | 1,924 |
| Noninterest expense to average assets | 3.0512% | 2,007 |
| Loan and lease loss provision to assets | 0.0970% | 2,270 |
| Net operating income to assets | 0.7295% | 3,472 |
| Return on assets (ROA) | 0.7362% | 3,487 |
| Pretax return on assets | 0.9373% | 3,788 |
| Return on Equity (ROE) | 5.1981% | 4,086 |
| Retained earnings to average equity (ytd only) | 2.5357% | 3,810 |
| Net charge-offs to loans | 0.1710% | 1,441 |
| Credit loss provision to net charge-offs | 97.5904% | 2,649 |
| Earnings coverage of net charge-offs (x) | 10.3253% | 2,688 |
| Efficiency ratio | 74.8385% | 1,784 |
| Assets per employee ($millions) | 3.7827% | 4,307 |
| Cash dividends to net income (ytd only)* | 51.2195% | 2,220 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3079% | 2,178 |
| Loan loss allowance to noncurrent loans | 59.0485% | 4,301 |
| Noncurrent assets plus other real estate owned to assets | 1.2322% | 1,185 |
| Noncurrent loans to loans | 2.2149% | 650 |
| Net loans and leases to total assets | 54.9028% | 4,277 |
| Net loans and leases to deposits | 64.9860% | 4,260 |
| Net loans and leases to core deposits | 65.4436% | 4,448 |
| Total domestic deposits to total assets | 84.4841% | 3,041 |
| Equity capital to assets | 13.6700% | 996 |
| Core capital (leverage) ratio | 14.3720% | 760 |
| Tier 1 risk-based capital ratio | 22.2495% | 990 |
| Total risk-based capital ratio | 23.4285% | 970 |
| Memoranda: | ||
| Average total assets | $83,541,600 | 4,522 |
| Average earning assets | $70,706,600 | 4,655 |
| Average equity | $11,831,200 | 4,170 |
| Average total loans | $48,534,600 | 4,500 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2220% | 2,540 |
| Cost of funding earning assets | 0.2084% | 4,901 |
| Net interest margin | 4.0137% | 1,655 |
| Noninterest income to average assets | 0.7192% | 1,912 |
| Noninterest expense to average assets | 3.0657% | 1,903 |
| Loan and lease loss provision to assets | 0.1000% | 2,109 |
| Net operating income to assets | 0.5467% | 4,588 |
| Return on assets (ROA) | 0.5467% | 4,619 |
| Pretax return on assets | 0.9708% | 3,799 |
| Return on Equity (ROE) | 3.8253% | 4,907 |
| Retained earnings to average equity (ytd only) | 1.3654% | 4,861 |
| Net charge-offs to loans | 0.1180% | 1,609 |
| Credit loss provision to net charge-offs | 144.1860% | 1,741 |
| Earnings coverage of net charge-offs (x) | 15.4424% | 2,227 |
| Efficiency ratio | 74.1131% | 1,875 |
| Assets per employee ($millions) | 3.4615% | 4,784 |
| Cash dividends to net income (ytd only)* | 64.3067% | 1,180 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3671% | 2,038 |
| Loan loss allowance to noncurrent loans | 111.4140% | 3,336 |
| Noncurrent assets plus other real estate owned to assets | 0.7373% | 2,291 |
| Noncurrent loans to loans | 1.2270% | 1,549 |
| Net loans and leases to total assets | 59.2677% | 3,945 |
| Net loans and leases to deposits | 71.6285% | 3,811 |
| Net loans and leases to core deposits | 72.1907% | 4,119 |
| Total domestic deposits to total assets | 82.7432% | 3,540 |
| Equity capital to assets | 14.9683% | 737 |
| Core capital (leverage) ratio | 14.3221% | 811 |
| Tier 1 risk-based capital ratio | 22.7756% | 964 |
| Total risk-based capital ratio | 24.0256% | 950 |
| Memoranda: | ||
| Average total assets | $82,676,750 | 4,583 |
| Average earning assets | $70,390,750 | 4,708 |
| Average equity | $11,815,750 | 4,213 |
| Average total loans | $48,568,500 | 4,540 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2206% | 2,397 |
| Cost of funding earning assets | 0.2025% | 4,956 |
| Net interest margin | 4.0181% | 1,550 |
| Noninterest income to average assets | 0.7288% | 1,867 |
| Noninterest expense to average assets | 3.0371% | 2,023 |
| Loan and lease loss provision to assets | 0.1028% | 1,972 |
| Net operating income to assets | 0.3919% | 4,992 |
| Return on assets (ROA) | 0.3919% | 5,020 |
| Pretax return on assets | 0.9558% | 3,742 |
| Return on Equity (ROE) | 2.7839% | 5,172 |
| Retained earnings to average equity (ytd only) | -0.9336% | 5,224 |
| Net charge-offs to loans | 0.1803% | 1,099 |
| Credit loss provision to net charge-offs | 97.7273% | 2,057 |
| Earnings coverage of net charge-offs (x) | 10.0682% | 2,373 |
| Efficiency ratio | 74.1540% | 1,980 |
| Assets per employee ($millions) | 3.6115% | 4,559 |
| Cash dividends to net income (ytd only)* | 133.5366% | 217 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2779% | 2,523 |
| Loan loss allowance to noncurrent loans | 107.0946% | 3,446 |
| Noncurrent assets plus other real estate owned to assets | 1.7384% | 813 |
| Noncurrent loans to loans | 1.1932% | 1,633 |
| Net loans and leases to total assets | 58.9659% | 3,925 |
| Net loans and leases to deposits | 70.4687% | 3,875 |
| Net loans and leases to core deposits | 70.9927% | 4,164 |
| Total domestic deposits to total assets | 83.6766% | 3,334 |
| Equity capital to assets | 14.1648% | 914 |
| Core capital (leverage) ratio | 14.1640% | 813 |
| Tier 1 risk-based capital ratio | 21.3935% | 1,132 |
| Total risk-based capital ratio | 22.5542% | 1,124 |
| Memoranda: | ||
| Average total assets | $83,697,330 | 4,596 |
| Average earning assets | $70,133,000 | 4,744 |
| Average equity | $11,782,000 | 4,225 |
| Average total loans | $48,811,330 | 4,558 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1287% | 2,552 |
| Cost of funding earning assets | 0.2015% | 4,967 |
| Net interest margin | 3.9272% | 1,684 |
| Noninterest income to average assets | 0.7142% | 1,902 |
| Noninterest expense to average assets | 3.0852% | 1,902 |
| Loan and lease loss provision to assets | 0.0857% | 2,104 |
| Net operating income to assets | 0.7046% | 3,682 |
| Return on assets (ROA) | 0.7046% | 3,725 |
| Pretax return on assets | 0.7903% | 4,143 |
| Return on Equity (ROE) | 5.0212% | 4,384 |
| Retained earnings to average equity (ytd only) | 5.0212% | 2,885 |
| Net charge-offs to loans | -0.0496% | 5,181 |
| Credit loss provision to net charge-offs | -300.0000% | 4,114 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.8846% | 1,645 |
| Assets per employee ($millions) | 3.7280% | 4,452 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3684% | 2,217 |
| Loan loss allowance to noncurrent loans | 92.5562% | 3,754 |
| Noncurrent assets plus other real estate owned to assets | 1.9070% | 717 |
| Noncurrent loans to loans | 1.4785% | 1,361 |
| Net loans and leases to total assets | 57.9150% | 3,981 |
| Net loans and leases to deposits | 68.3056% | 3,968 |
| Net loans and leases to core deposits | 68.8132% | 4,234 |
| Total domestic deposits to total assets | 84.7881% | 3,176 |
| Equity capital to assets | 14.4754% | 761 |
| Core capital (leverage) ratio | 13.9639% | 855 |
| Tier 1 risk-based capital ratio | 22.1370% | 1,069 |
| Total risk-based capital ratio | 23.3641% | 1,056 |
| Memoranda: | ||
| Average total assets | $84,013,500 | 4,638 |
| Average earning assets | $69,464,500 | 4,793 |
| Average equity | $11,790,000 | 4,252 |
| Average total loans | $48,410,000 | 4,611 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1209% | 2,768 |
| Cost of funding earning assets | 0.2012% | 5,002 |
| Net interest margin | 3.9198% | 1,902 |
| Noninterest income to average assets | 0.6727% | 2,304 |
| Noninterest expense to average assets | 2.9375% | 2,538 |
| Loan and lease loss provision to assets | 0.3034% | 621 |
| Net operating income to assets | 0.8962% | 2,847 |
| Return on assets (ROA) | 0.9031% | 2,918 |
| Pretax return on assets | 0.7549% | 4,320 |
| Return on Equity (ROE) | 6.6318% | 3,676 |
| Retained earnings to average equity (ytd only) | 3.1288% | 3,680 |
| Net charge-offs to loans | 0.6855% | 317 |
| Credit loss provision to net charge-offs | 74.6439% | 3,064 |
| Earnings coverage of net charge-offs (x) | 2.5869% | 3,805 |
| Efficiency ratio | 73.6430% | 2,335 |
| Assets per employee ($millions) | 3.7397% | 4,409 |
| Cash dividends to net income (ytd only)* | 52.8205% | 2,135 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3049% | 2,522 |
| Loan loss allowance to noncurrent loans | 80.7888% | 3,986 |
| Noncurrent assets plus other real estate owned to assets | 1.9044% | 754 |
| Noncurrent loans to loans | 1.6152% | 1,212 |
| Net loans and leases to total assets | 55.8376% | 4,278 |
| Net loans and leases to deposits | 65.0896% | 4,325 |
| Net loans and leases to core deposits | 66.4743% | 4,496 |
| Total domestic deposits to total assets | 85.7857% | 2,686 |
| Equity capital to assets | 13.6121% | 1,005 |
| Core capital (leverage) ratio | 14.2232% | 754 |
| Tier 1 risk-based capital ratio | 22.1342% | 1,058 |
| Total risk-based capital ratio | 23.3314% | 1,041 |
| Memoranda: | ||
| Average total assets | $86,367,400 | 4,612 |
| Average earning assets | $73,065,800 | 4,737 |
| Average equity | $11,761,600 | 4,282 |
| Average total loans | $51,205,600 | 4,547 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1157% | 2,817 |
| Cost of funding earning assets | 0.2034% | 5,039 |
| Net interest margin | 3.9122% | 1,930 |
| Noninterest income to average assets | 0.6585% | 2,368 |
| Noninterest expense to average assets | 3.0026% | 2,316 |
| Loan and lease loss provision to assets | 0.2899% | 597 |
| Net operating income to assets | 0.9145% | 2,835 |
| Return on assets (ROA) | 0.9238% | 2,914 |
| Pretax return on assets | 0.7264% | 4,538 |
| Return on Equity (ROE) | 6.7826% | 3,673 |
| Retained earnings to average equity (ytd only) | 4.3141% | 3,250 |
| Net charge-offs to loans | 0.6507% | 309 |
| Credit loss provision to net charge-offs | 74.3083% | 2,737 |
| Earnings coverage of net charge-offs (x) | 2.5811% | 3,547 |
| Efficiency ratio | 74.8846% | 2,124 |
| Assets per employee ($millions) | 3.2194% | 5,147 |
| Cash dividends to net income (ytd only)* | 36.3939% | 2,506 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3598% | 2,389 |
| Loan loss allowance to noncurrent loans | 80.4401% | 4,036 |
| Noncurrent assets plus other real estate owned to assets | 2.0749% | 741 |
| Noncurrent loans to loans | 1.6905% | 1,246 |
| Net loans and leases to total assets | 59.3035% | 3,969 |
| Net loans and leases to deposits | 70.3219% | 3,959 |
| Net loans and leases to core deposits | 73.0457% | 4,081 |
| Total domestic deposits to total assets | 84.3314% | 3,085 |
| Equity capital to assets | 14.8485% | 773 |
| Core capital (leverage) ratio | 13.9307% | 871 |
| Tier 1 risk-based capital ratio | 22.9750% | 1,004 |
| Total risk-based capital ratio | 24.2260% | 991 |
| Memoranda: | ||
| Average total assets | $86,456,250 | 4,645 |
| Average earning assets | $74,056,750 | 4,755 |
| Average equity | $11,775,000 | 4,323 |
| Average total loans | $51,841,500 | 4,559 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0324% | 3,129 |
| Cost of funding earning assets | 0.2077% | 5,074 |
| Net interest margin | 3.8246% | 2,228 |
| Noninterest income to average assets | 0.6445% | 2,393 |
| Noninterest expense to average assets | 2.9283% | 2,590 |
| Loan and lease loss provision to assets | 0.3256% | 521 |
| Net operating income to assets | 0.9407% | 2,673 |
| Return on assets (ROA) | 0.9407% | 2,815 |
| Pretax return on assets | 0.6377% | 4,795 |
| Return on Equity (ROE) | 7.1012% | 3,482 |
| Retained earnings to average equity (ytd only) | 3.3799% | 3,743 |
| Net charge-offs to loans | 0.0151% | 3,229 |
| Credit loss provision to net charge-offs | 3,600.0000% | 119 |
| Earnings coverage of net charge-offs (x) | 106.5000% | 539 |
| Efficiency ratio | 75.2469% | 2,189 |
| Assets per employee ($millions) | 3.4725% | 4,794 |
| Cash dividends to net income (ytd only)* | 52.4038% | 1,859 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6671% | 1,348 |
| Loan loss allowance to noncurrent loans | 43.4323% | 4,979 |
| Noncurrent assets plus other real estate owned to assets | 2.2888% | 653 |
| Noncurrent loans to loans | 3.8385% | 325 |
| Net loans and leases to total assets | 58.6341% | 4,056 |
| Net loans and leases to deposits | 68.3863% | 4,146 |
| Net loans and leases to core deposits | 70.7936% | 4,267 |
| Total domestic deposits to total assets | 85.7395% | 2,542 |
| Equity capital to assets | 13.6063% | 1,179 |
| Core capital (leverage) ratio | 13.2927% | 1,060 |
| Tier 1 risk-based capital ratio | 21.3725% | 1,214 |
| Total risk-based capital ratio | 22.6268% | 1,195 |
| Memoranda: | ||
| Average total assets | $88,446,330 | 4,650 |
| Average earning assets | $75,092,670 | 4,781 |
| Average equity | $11,716,330 | 4,361 |
| Average total loans | $52,992,330 | 4,555 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0407% | 3,065 |
| Cost of funding earning assets | 0.2118% | 5,087 |
| Net interest margin | 3.8289% | 2,190 |
| Noninterest income to average assets | 0.6050% | 2,501 |
| Noninterest expense to average assets | 2.8948% | 2,725 |
| Loan and lease loss provision to assets | 0.0851% | 2,258 |
| Net operating income to assets | 0.8649% | 2,920 |
| Return on assets (ROA) | 0.8649% | 3,036 |
| Pretax return on assets | 0.8649% | 3,982 |
| Return on Equity (ROE) | 6.6161% | 3,661 |
| Retained earnings to average equity (ytd only) | 6.6161% | 2,073 |
| Net charge-offs to loans | -0.0149% | 4,710 |
| Credit loss provision to net charge-offs | -950.0000% | 4,740 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.2914% | 2,279 |
| Assets per employee ($millions) | 3.4851% | 4,837 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4334% | 2,274 |
| Loan loss allowance to noncurrent loans | 32.7177% | 5,230 |
| Noncurrent assets plus other real estate owned to assets | 2.6100% | 551 |
| Noncurrent loans to loans | 4.3810% | 252 |
| Net loans and leases to total assets | 58.7212% | 3,961 |
| Net loans and leases to deposits | 68.4762% | 4,008 |
| Net loans and leases to core deposits | 72.1171% | 4,060 |
| Total domestic deposits to total assets | 85.7541% | 2,784 |
| Equity capital to assets | 13.5400% | 1,166 |
| Core capital (leverage) ratio | 12.9258% | 1,186 |
| Tier 1 risk-based capital ratio | 21.2477% | 1,275 |
| Total risk-based capital ratio | 22.4970% | 1,246 |
| Memoranda: | ||
| Average total assets | $89,263,000 | 4,671 |
| Average earning assets | $75,531,500 | 4,817 |
| Average equity | $11,668,500 | 4,392 |
| Average total loans | $53,606,000 | 4,566 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0617% | 3,066 |
| Cost of funding earning assets | 0.2050% | 5,242 |
| Net interest margin | 3.8567% | 2,174 |
| Noninterest income to average assets | 0.6360% | 2,530 |
| Noninterest expense to average assets | 2.9768% | 2,622 |
| Loan and lease loss provision to assets | 0.9802% | 89 |
| Net operating income to assets | 0.1825% | 5,613 |
| Return on assets (ROA) | 0.2284% | 5,585 |
| Pretax return on assets | 0.1792% | 5,708 |
| Return on Equity (ROE) | 1.7628% | 5,634 |
| Retained earnings to average equity (ytd only) | -0.9784% | 5,655 |
| Net charge-offs to loans | 1.5683% | 97 |
| Credit loss provision to net charge-offs | 97.5000% | 2,607 |
| Earnings coverage of net charge-offs (x) | 1.1076% | 4,140 |
| Efficiency ratio | 72.7758% | 2,778 |
| Assets per employee ($millions) | 3.6560% | 4,554 |
| Cash dividends to net income (ytd only)* | 155.5024% | 155 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3073% | 2,857 |
| Loan loss allowance to noncurrent loans | 33.1499% | 5,262 |
| Noncurrent assets plus other real estate owned to assets | 2.3862% | 664 |
| Noncurrent loans to loans | 3.9435% | 311 |
| Net loans and leases to total assets | 59.7195% | 3,876 |
| Net loans and leases to deposits | 68.8718% | 4,040 |
| Net loans and leases to core deposits | 72.3136% | 4,104 |
| Total domestic deposits to total assets | 86.7110% | 2,268 |
| Equity capital to assets | 12.6260% | 1,546 |
| Core capital (leverage) ratio | 12.7758% | 1,236 |
| Tier 1 risk-based capital ratio | 19.5147% | 1,581 |
| Total risk-based capital ratio | 20.7570% | 1,552 |
| Memoranda: | ||
| Average total assets | $91,508,800 | 4,634 |
| Average earning assets | $81,961,200 | 4,676 |
| Average equity | $11,856,400 | 4,334 |
| Average total loans | $58,662,400 | 4,411 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0495% | 3,132 |
| Cost of funding earning assets | 0.2032% | 5,347 |
| Net interest margin | 3.8463% | 2,210 |
| Noninterest income to average assets | 0.6351% | 2,556 |
| Noninterest expense to average assets | 2.9204% | 2,783 |
| Loan and lease loss provision to assets | 0.2593% | 643 |
| Net operating income to assets | 1.0225% | 2,366 |
| Return on assets (ROA) | 1.0648% | 2,245 |
| Pretax return on assets | 0.9992% | 3,618 |
| Return on Equity (ROE) | 8.1659% | 2,986 |
| Retained earnings to average equity (ytd only) | 5.7306% | 2,419 |
| Net charge-offs to loans | 0.5602% | 410 |
| Credit loss provision to net charge-offs | 71.2000% | 2,745 |
| Earnings coverage of net charge-offs (x) | 3.3400% | 3,513 |
| Efficiency ratio | 70.5986% | 3,115 |
| Assets per employee ($millions) | 3.4862% | 4,813 |
| Cash dividends to net income (ytd only)* | 29.8223% | 2,818 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1571% | 3,890 |
| Loan loss allowance to noncurrent loans | 27.0791% | 5,485 |
| Noncurrent assets plus other real estate owned to assets | 2.8731% | 552 |
| Noncurrent loans to loans | 4.2732% | 274 |
| Net loans and leases to total assets | 66.0589% | 3,002 |
| Net loans and leases to deposits | 80.3834% | 2,836 |
| Net loans and leases to core deposits | 82.3990% | 3,212 |
| Total domestic deposits to total assets | 82.1798% | 4,108 |
| Equity capital to assets | 13.9856% | 1,029 |
| Core capital (leverage) ratio | 13.5404% | 1,003 |
| Tier 1 risk-based capital ratio | 20.0351% | 1,540 |
| Total risk-based capital ratio | 21.1603% | 1,531 |
| Memoranda: | ||
| Average total assets | $91,536,250 | 4,690 |
| Average earning assets | $83,334,250 | 4,708 |
| Average equity | $11,935,500 | 4,368 |
| Average total loans | $59,501,500 | 4,437 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0105% | 3,243 |
| Cost of funding earning assets | 0.2062% | 5,387 |
| Net interest margin | 3.8043% | 2,293 |
| Noninterest income to average assets | 0.6237% | 2,608 |
| Noninterest expense to average assets | 2.8861% | 2,942 |
| Loan and lease loss provision to assets | 0.2968% | 522 |
| Net operating income to assets | 1.0430% | 2,167 |
| Return on assets (ROA) | 1.0667% | 2,176 |
| Pretax return on assets | 0.9162% | 3,895 |
| Return on Equity (ROE) | 8.3706% | 2,861 |
| Retained earnings to average equity (ytd only) | 4.6916% | 3,056 |
| Net charge-offs to loans | 0.7710% | 289 |
| Credit loss provision to net charge-offs | 59.7403% | 2,596 |
| Earnings coverage of net charge-offs (x) | 2.3939% | 3,348 |
| Efficiency ratio | 70.8179% | 3,192 |
| Assets per employee ($millions) | 3.4012% | 4,978 |
| Cash dividends to net income (ytd only)* | 43.9516% | 2,226 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1153% | 4,245 |
| Loan loss allowance to noncurrent loans | 26.1200% | 5,578 |
| Noncurrent assets plus other real estate owned to assets | 2.8271% | 613 |
| Noncurrent loans to loans | 4.2699% | 329 |
| Net loans and leases to total assets | 65.4703% | 3,053 |
| Net loans and leases to deposits | 78.9828% | 2,908 |
| Net loans and leases to core deposits | 80.9168% | 3,290 |
| Total domestic deposits to total assets | 82.8917% | 3,990 |
| Equity capital to assets | 13.4715% | 1,183 |
| Core capital (leverage) ratio | 12.7865% | 1,261 |
| Tier 1 risk-based capital ratio | 19.3746% | 1,703 |
| Total risk-based capital ratio | 20.4499% | 1,716 |
| Memoranda: | ||
| Average total assets | $92,997,000 | 4,703 |
| Average earning assets | $84,378,670 | 4,726 |
| Average equity | $11,851,000 | 4,408 |
| Average total loans | $59,919,670 | 4,466 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1272% | 2,716 |
| Cost of funding earning assets | 0.2099% | 5,421 |
| Net interest margin | 3.9173% | 1,830 |
| Noninterest income to average assets | 0.6255% | 2,521 |
| Noninterest expense to average assets | 2.8925% | 2,932 |
| Loan and lease loss provision to assets | 0.0798% | 2,362 |
| Net operating income to assets | 1.0437% | 2,058 |
| Return on assets (ROA) | 1.0621% | 2,124 |
| Pretax return on assets | 1.2007% | 2,662 |
| Return on Equity (ROE) | 8.5618% | 2,666 |
| Retained earnings to average equity (ytd only) | 8.5618% | 1,355 |
| Net charge-offs to loans | 0.0726% | 1,990 |
| Credit loss provision to net charge-offs | 172.7273% | 1,154 |
| Earnings coverage of net charge-offs (x) | 27.2727% | 1,213 |
| Efficiency ratio | 69.6663% | 3,547 |
| Assets per employee ($millions) | 3.2778% | 5,276 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2298% | 3,786 |
| Loan loss allowance to noncurrent loans | 38.9866% | 5,325 |
| Noncurrent assets plus other real estate owned to assets | 2.1073% | 1,097 |
| Noncurrent loans to loans | 3.1545% | 652 |
| Net loans and leases to total assets | 65.9817% | 2,774 |
| Net loans and leases to deposits | 79.9525% | 2,562 |
| Net loans and leases to core deposits | 83.0775% | 2,859 |
| Total domestic deposits to total assets | 82.5261% | 4,342 |
| Equity capital to assets | 13.0556% | 1,368 |
| Core capital (leverage) ratio | 12.3207% | 1,446 |
| Tier 1 risk-based capital ratio | 18.3650% | 2,045 |
| Total risk-based capital ratio | 19.5442% | 2,020 |
| Memoranda: | ||
| Average total assets | $95,280,000 | 4,683 |
| Average earning assets | $85,772,500 | 4,728 |
| Average equity | $11,820,000 | 4,447 |
| Average total loans | $60,605,000 | 4,479 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2616% | 2,734 |
| Cost of funding earning assets | 0.2393% | 5,428 |
| Net interest margin | 4.0222% | 1,833 |
| Noninterest income to average assets | 0.5733% | 3,030 |
| Noninterest expense to average assets | 2.8969% | 3,162 |
| Loan and lease loss provision to assets | 0.0738% | 3,007 |
| Net operating income to assets | 1.0733% | 2,079 |
| Return on assets (ROA) | 1.0907% | 2,066 |
| Pretax return on assets | 1.2530% | 2,428 |
| Return on Equity (ROE) | 8.9426% | 2,620 |
| Retained earnings to average equity (ytd only) | 2.9636% | 4,138 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9145% | 3,729 |
| Assets per employee ($millions) | 3.5280% | 4,852 |
| Cash dividends to net income (ytd only)* | 66.8599% | 1,423 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2454% | 3,746 |
| Loan loss allowance to noncurrent loans | 38.1391% | 5,423 |
| Noncurrent assets plus other real estate owned to assets | 1.9801% | 1,292 |
| Noncurrent loans to loans | 3.2654% | 660 |
| Net loans and leases to total assets | 59.8828% | 3,805 |
| Net loans and leases to deposits | 69.7332% | 3,953 |
| Net loans and leases to core deposits | 73.2684% | 3,993 |
| Total domestic deposits to total assets | 85.8741% | 2,907 |
| Equity capital to assets | 11.8016% | 2,169 |
| Core capital (leverage) ratio | 11.8938% | 1,700 |
| Tier 1 risk-based capital ratio | 17.1966% | 2,430 |
| Total risk-based capital ratio | 18.3133% | 2,440 |
| Memoranda: | ||
| Average total assets | $94,895,600 | 4,728 |
| Average earning assets | $85,649,200 | 4,744 |
| Average equity | $11,573,800 | 4,440 |
| Average total loans | $55,603,400 | 4,623 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2813% | 2,706 |
| Cost of funding earning assets | 0.2449% | 5,456 |
| Net interest margin | 4.0365% | 1,764 |
| Noninterest income to average assets | 0.6331% | 2,666 |
| Noninterest expense to average assets | 2.9882% | 2,844 |
| Loan and lease loss provision to assets | 0.0752% | 2,839 |
| Net operating income to assets | 1.1046% | 2,006 |
| Return on assets (ROA) | 1.1172% | 2,033 |
| Pretax return on assets | 1.2577% | 2,543 |
| Return on Equity (ROE) | 9.0828% | 2,640 |
| Retained earnings to average equity (ytd only) | 6.8438% | 1,905 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3804% | 3,615 |
| Assets per employee ($millions) | 3.2803% | 5,271 |
| Cash dividends to net income (ytd only)* | 24.6505% | 3,033 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2494% | 3,956 |
| Loan loss allowance to noncurrent loans | 36.9919% | 5,534 |
| Noncurrent assets plus other real estate owned to assets | 2.4010% | 1,123 |
| Noncurrent loans to loans | 3.3774% | 721 |
| Net loans and leases to total assets | 60.4890% | 3,705 |
| Net loans and leases to deposits | 75.1034% | 3,297 |
| Net loans and leases to core deposits | 76.8631% | 3,648 |
| Total domestic deposits to total assets | 80.5410% | 4,953 |
| Equity capital to assets | 12.5042% | 1,701 |
| Core capital (leverage) ratio | 12.2691% | 1,536 |
| Tier 1 risk-based capital ratio | 18.0813% | 2,191 |
| Total risk-based capital ratio | 19.2027% | 2,188 |
| Memoranda: | ||
| Average total assets | $93,923,750 | 4,803 |
| Average earning assets | $85,485,250 | 4,804 |
| Average equity | $11,552,750 | 4,470 |
| Average total loans | $54,529,250 | 4,707 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0896% | 3,390 |
| Cost of funding earning assets | 0.2550% | 5,439 |
| Net interest margin | 3.8346% | 2,433 |
| Noninterest income to average assets | 0.7079% | 2,244 |
| Noninterest expense to average assets | 2.9020% | 3,156 |
| Loan and lease loss provision to assets | 0.0406% | 3,500 |
| Net operating income to assets | 1.1646% | 1,707 |
| Return on assets (ROA) | 1.1847% | 1,712 |
| Pretax return on assets | 1.2596% | 2,412 |
| Return on Equity (ROE) | 9.6864% | 2,286 |
| Retained earnings to average equity (ytd only) | 6.2944% | 2,158 |
| Net charge-offs to loans | -0.0113% | 5,353 |
| Credit loss provision to net charge-offs | -633.3333% | 5,634 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4118% | 3,758 |
| Assets per employee ($millions) | 3.2186% | 5,396 |
| Cash dividends to net income (ytd only)* | 35.0181% | 2,606 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2611% | 4,080 |
| Loan loss allowance to noncurrent loans | 33.8514% | 5,684 |
| Noncurrent assets plus other real estate owned to assets | 2.6945% | 990 |
| Noncurrent loans to loans | 3.7253% | 675 |
| Net loans and leases to total assets | 58.4680% | 3,927 |
| Net loans and leases to deposits | 69.8261% | 3,843 |
| Net loans and leases to core deposits | 72.0820% | 4,046 |
| Total domestic deposits to total assets | 83.7337% | 4,021 |
| Equity capital to assets | 12.5209% | 1,626 |
| Core capital (leverage) ratio | 12.4551% | 1,420 |
| Tier 1 risk-based capital ratio | 18.5563% | 2,050 |
| Total risk-based capital ratio | 19.6804% | 2,049 |
| Memoranda: | ||
| Average total assets | $93,522,330 | 4,837 |
| Average earning assets | $84,703,000 | 4,853 |
| Average equity | $11,438,670 | 4,513 |
| Average total loans | $53,282,330 | 4,775 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1692% | 2,989 |
| Cost of funding earning assets | 0.2719% | 5,369 |
| Net interest margin | 3.8973% | 2,095 |
| Noninterest income to average assets | 0.7435% | 1,972 |
| Noninterest expense to average assets | 2.8543% | 3,363 |
| Loan and lease loss provision to assets | 0.0513% | 3,076 |
| Net operating income to assets | 1.0115% | 2,166 |
| Return on assets (ROA) | 1.0212% | 2,193 |
| Pretax return on assets | 1.3417% | 1,948 |
| Return on Equity (ROE) | 8.4493% | 2,712 |
| Retained earnings to average equity (ytd only) | 8.4493% | 1,435 |
| Net charge-offs to loans | -0.0229% | 5,417 |
| Credit loss provision to net charge-offs | -400.0000% | 5,131 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4067% | 4,295 |
| Assets per employee ($millions) | 3.2355% | 5,478 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3655% | 3,762 |
| Loan loss allowance to noncurrent loans | 82.1429% | 4,113 |
| Noncurrent assets plus other real estate owned to assets | 1.4361% | 2,470 |
| Noncurrent loans to loans | 1.6623% | 2,330 |
| Net loans and leases to total assets | 55.0158% | 4,279 |
| Net loans and leases to deposits | 63.7638% | 4,335 |
| Net loans and leases to core deposits | 65.8236% | 4,498 |
| Total domestic deposits to total assets | 86.2805% | 3,219 |
| Equity capital to assets | 12.6521% | 1,486 |
| Core capital (leverage) ratio | 12.1816% | 1,550 |
| Tier 1 risk-based capital ratio | 19.6765% | 1,797 |
| Total risk-based capital ratio | 20.8690% | 1,784 |
| Memoranda: | ||
| Average total assets | $93,613,500 | 4,883 |
| Average earning assets | $83,853,500 | 4,919 |
| Average equity | $11,314,500 | 4,541 |
| Average total loans | $52,288,000 | 4,851 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2725% | 3,058 |
| Cost of funding earning assets | 0.3513% | 5,120 |
| Net interest margin | 3.9212% | 2,215 |
| Noninterest income to average assets | 0.6897% | 2,603 |
| Noninterest expense to average assets | 2.8528% | 3,521 |
| Loan and lease loss provision to assets | 0.0659% | 3,810 |
| Net operating income to assets | 0.8235% | 3,169 |
| Return on assets (ROA) | 0.8443% | 3,146 |
| Pretax return on assets | 1.3264% | 2,048 |
| Return on Equity (ROE) | 6.8585% | 3,644 |
| Retained earnings to average equity (ytd only) | 3.0297% | 4,079 |
| Net charge-offs to loans | 0.0081% | 5,293 |
| Credit loss provision to net charge-offs | 1,525.0000% | 164 |
| Earnings coverage of net charge-offs (x) | 314.5000% | 143 |
| Efficiency ratio | 67.7188% | 4,255 |
| Assets per employee ($millions) | 3.5790% | 4,736 |
| Cash dividends to net income (ytd only)* | 55.8259% | 1,978 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2490% | 4,393 |
| Loan loss allowance to noncurrent loans | 77.1429% | 4,267 |
| Noncurrent assets plus other real estate owned to assets | 1.3826% | 2,675 |
| Noncurrent loans to loans | 1.6190% | 2,478 |
| Net loans and leases to total assets | 55.2296% | 4,428 |
| Net loans and leases to deposits | 63.0769% | 4,599 |
| Net loans and leases to core deposits | 65.8320% | 4,712 |
| Total domestic deposits to total assets | 87.5591% | 2,445 |
| Equity capital to assets | 11.5561% | 2,124 |
| Core capital (leverage) ratio | 11.9685% | 1,631 |
| Tier 1 risk-based capital ratio | 18.2850% | 2,153 |
| Total risk-based capital ratio | 19.3924% | 2,164 |
| Memoranda: | ||
| Average total assets | $92,506,200 | 4,917 |
| Average earning assets | $83,112,600 | 4,952 |
| Average equity | $11,387,400 | 4,560 |
| Average total loans | $49,625,400 | 4,975 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2555% | 3,175 |
| Cost of funding earning assets | 0.3614% | 5,186 |
| Net interest margin | 3.8942% | 2,297 |
| Noninterest income to average assets | 0.7084% | 2,561 |
| Noninterest expense to average assets | 2.9137% | 3,256 |
| Loan and lease loss provision to assets | 0.0612% | 3,822 |
| Net operating income to assets | 0.9734% | 2,493 |
| Return on assets (ROA) | 1.0086% | 2,427 |
| Pretax return on assets | 1.2972% | 2,341 |
| Return on Equity (ROE) | 8.0633% | 3,090 |
| Retained earnings to average equity (ytd only) | 6.3621% | 2,205 |
| Net charge-offs to loans | 0.0055% | 5,075 |
| Credit loss provision to net charge-offs | 2,100.0000% | 154 |
| Earnings coverage of net charge-offs (x) | 449.9251% | 130 |
| Efficiency ratio | 68.9310% | 3,925 |
| Assets per employee ($millions) | 3.3396% | 5,207 |
| Cash dividends to net income (ytd only)* | 21.0982% | 3,052 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2835% | 4,478 |
| Loan loss allowance to noncurrent loans | 161.2745% | 2,401 |
| Noncurrent assets plus other real estate owned to assets | 0.9804% | 3,698 |
| Noncurrent loans to loans | 0.7959% | 4,253 |
| Net loans and leases to total assets | 56.1246% | 4,305 |
| Net loans and leases to deposits | 68.9168% | 3,944 |
| Net loans and leases to core deposits | 72.4085% | 4,043 |
| Total domestic deposits to total assets | 81.4382% | 5,107 |
| Equity capital to assets | 12.6285% | 1,512 |
| Core capital (leverage) ratio | 12.2086% | 1,559 |
| Tier 1 risk-based capital ratio | 19.7339% | 1,802 |
| Total risk-based capital ratio | 20.8783% | 1,792 |
| Memoranda: | ||
| Average total assets | $91,474,500 | 4,989 |
| Average earning assets | $82,651,000 | 5,009 |
| Average equity | $11,442,500 | 4,602 |
| Average total loans | $48,520,500 | 5,062 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1075% | 3,710 |
| Cost of funding earning assets | 0.3802% | 5,136 |
| Net interest margin | 3.7272% | 2,862 |
| Noninterest income to average assets | 0.7703% | 2,323 |
| Noninterest expense to average assets | 2.7897% | 3,709 |
| Loan and lease loss provision to assets | 0.0783% | 3,495 |
| Net operating income to assets | 0.9553% | 2,537 |
| Return on assets (ROA) | 0.9553% | 2,686 |
| Pretax return on assets | 1.2512% | 2,478 |
| Return on Equity (ROE) | 7.6608% | 3,254 |
| Retained earnings to average equity (ytd only) | 5.1130% | 2,977 |
| Net charge-offs to loans | 0.1764% | 2,705 |
| Credit loss provision to net charge-offs | 85.7143% | 2,521 |
| Earnings coverage of net charge-offs (x) | 14.5476% | 1,821 |
| Efficiency ratio | 67.7232% | 4,230 |
| Assets per employee ($millions) | 3.6553% | 4,508 |
| Cash dividends to net income (ytd only)* | 33.2574% | 2,536 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2354% | 4,808 |
| Loan loss allowance to noncurrent loans | 136.6071% | 2,710 |
| Noncurrent assets plus other real estate owned to assets | 1.0722% | 3,592 |
| Noncurrent loans to loans | 0.9044% | 4,119 |
| Net loans and leases to total assets | 51.4789% | 4,932 |
| Net loans and leases to deposits | 59.0311% | 5,068 |
| Net loans and leases to core deposits | 61.6650% | 5,126 |
| Total domestic deposits to total assets | 87.2063% | 2,708 |
| Equity capital to assets | 11.9098% | 1,970 |
| Core capital (leverage) ratio | 11.4095% | 2,012 |
| Tier 1 risk-based capital ratio | 19.4625% | 1,866 |
| Total risk-based capital ratio | 20.5361% | 1,880 |
| Memoranda: | ||
| Average total assets | $91,909,670 | 5,012 |
| Average earning assets | $82,581,330 | 5,034 |
| Average equity | $11,461,000 | 4,631 |
| Average total loans | $47,605,670 | 5,117 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1571% | 3,484 |
| Cost of funding earning assets | 0.4237% | 4,879 |
| Net interest margin | 3.7334% | 2,722 |
| Noninterest income to average assets | 0.7571% | 2,307 |
| Noninterest expense to average assets | 2.7849% | 3,747 |
| Loan and lease loss provision to assets | 0.0930% | 3,109 |
| Net operating income to assets | 0.9740% | 2,339 |
| Return on assets (ROA) | 0.9740% | 2,466 |
| Pretax return on assets | 1.1954% | 2,593 |
| Return on Equity (ROE) | 7.6309% | 3,143 |
| Retained earnings to average equity (ytd only) | 7.6309% | 1,882 |
| Net charge-offs to loans | 0.3173% | 1,697 |
| Credit loss provision to net charge-offs | 56.7568% | 2,496 |
| Earnings coverage of net charge-offs (x) | 7.8649% | 2,011 |
| Efficiency ratio | 68.3696% | 4,241 |
| Assets per employee ($millions) | 3.2971% | 5,438 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2664% | 4,863 |
| Loan loss allowance to noncurrent loans | 115.5470% | 2,979 |
| Noncurrent assets plus other real estate owned to assets | 1.2986% | 3,368 |
| Noncurrent loans to loans | 1.0960% | 3,948 |
| Net loans and leases to total assets | 52.7218% | 4,594 |
| Net loans and leases to deposits | 61.5036% | 4,614 |
| Net loans and leases to core deposits | 65.2432% | 4,627 |
| Total domestic deposits to total assets | 85.7215% | 3,672 |
| Equity capital to assets | 13.0372% | 1,413 |
| Core capital (leverage) ratio | 12.0357% | 1,543 |
| Tier 1 risk-based capital ratio | 20.2302% | 1,713 |
| Total risk-based capital ratio | 21.3352% | 1,719 |
| Memoranda: | ||
| Average total assets | $90,345,000 | 5,089 |
| Average earning assets | $80,249,000 | 5,145 |
| Average equity | $11,532,000 | 4,664 |
| Average total loans | $46,640,000 | 5,188 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4014% | 3,807 |
| Cost of funding earning assets | 0.6200% | 4,176 |
| Net interest margin | 3.7814% | 3,313 |
| Noninterest income to average assets | 0.6955% | 2,746 |
| Noninterest expense to average assets | 2.7144% | 4,346 |
| Loan and lease loss provision to assets | 0.1152% | 4,190 |
| Net operating income to assets | 0.9912% | 2,377 |
| Return on assets (ROA) | 1.0266% | 2,438 |
| Pretax return on assets | 1.2459% | 2,617 |
| Return on Equity (ROE) | 8.2981% | 2,965 |
| Retained earnings to average equity (ytd only) | 5.9080% | 2,136 |
| Net charge-offs to loans | 0.1484% | 4,205 |
| Credit loss provision to net charge-offs | 150.7246% | 1,809 |
| Earnings coverage of net charge-offs (x) | 17.2464% | 1,516 |
| Efficiency ratio | 67.3167% | 4,265 |
| Assets per employee ($millions) | 3.3951% | 5,228 |
| Cash dividends to net income (ytd only)* | 28.8026% | 3,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3510% | 4,399 |
| Loan loss allowance to noncurrent loans | 66.7387% | 4,384 |
| Noncurrent assets plus other real estate owned to assets | 1.2109% | 3,639 |
| Noncurrent loans to loans | 2.0243% | 2,669 |
| Net loans and leases to total assets | 49.2276% | 5,278 |
| Net loans and leases to deposits | 57.0363% | 5,332 |
| Net loans and leases to core deposits | 60.6263% | 5,307 |
| Total domestic deposits to total assets | 86.3093% | 3,196 |
| Equity capital to assets | 12.4995% | 1,713 |
| Core capital (leverage) ratio | 12.0065% | 1,560 |
| Tier 1 risk-based capital ratio | 20.2901% | 1,611 |
| Total risk-based capital ratio | 21.4511% | 1,602 |
| Memoranda: | ||
| Average total assets | $90,297,400 | 5,077 |
| Average earning assets | $79,678,600 | 5,135 |
| Average equity | $11,171,200 | 4,726 |
| Average total loans | $46,481,800 | 5,228 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4332% | 3,911 |
| Cost of funding earning assets | 0.6398% | 4,283 |
| Net interest margin | 3.7934% | 3,361 |
| Noninterest income to average assets | 0.6907% | 2,751 |
| Noninterest expense to average assets | 2.7065% | 4,339 |
| Loan and lease loss provision to assets | 0.1186% | 4,068 |
| Net operating income to assets | 1.0064% | 2,467 |
| Return on assets (ROA) | 1.0538% | 2,488 |
| Pretax return on assets | 1.2895% | 2,641 |
| Return on Equity (ROE) | 8.5407% | 3,024 |
| Retained earnings to average equity (ytd only) | 7.0873% | 2,074 |
| Net charge-offs to loans | 0.2143% | 3,444 |
| Credit loss provision to net charge-offs | 106.6667% | 2,753 |
| Earnings coverage of net charge-offs (x) | 12.1464% | 2,024 |
| Efficiency ratio | 66.7154% | 4,307 |
| Assets per employee ($millions) | 3.3112% | 5,419 |
| Cash dividends to net income (ytd only)* | 17.0183% | 3,172 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2661% | 4,970 |
| Loan loss allowance to noncurrent loans | 69.3396% | 4,242 |
| Noncurrent assets plus other real estate owned to assets | 1.1554% | 3,980 |
| Noncurrent loans to loans | 1.8259% | 3,039 |
| Net loans and leases to total assets | 51.2902% | 5,145 |
| Net loans and leases to deposits | 60.8657% | 5,101 |
| Net loans and leases to core deposits | 64.8989% | 5,063 |
| Total domestic deposits to total assets | 84.2679% | 4,096 |
| Equity capital to assets | 12.7669% | 1,731 |
| Core capital (leverage) ratio | 11.8309% | 1,757 |
| Tier 1 risk-based capital ratio | 20.2327% | 1,699 |
| Total risk-based capital ratio | 21.3413% | 1,703 |
| Memoranda: | ||
| Average total assets | $89,954,750 | 5,145 |
| Average earning assets | $79,819,750 | 5,188 |
| Average equity | $11,099,500 | 4,784 |
| Average total loans | $46,666,250 | 5,286 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4485% | 3,982 |
| Cost of funding earning assets | 0.6555% | 4,397 |
| Net interest margin | 3.7930% | 3,394 |
| Noninterest income to average assets | 0.7056% | 2,634 |
| Noninterest expense to average assets | 2.6803% | 4,493 |
| Loan and lease loss provision to assets | 0.1243% | 3,968 |
| Net operating income to assets | 1.0410% | 2,294 |
| Return on assets (ROA) | 1.0628% | 2,420 |
| Pretax return on assets | 1.2913% | 2,591 |
| Return on Equity (ROE) | 8.7133% | 2,933 |
| Retained earnings to average equity (ytd only) | 6.5122% | 2,376 |
| Net charge-offs to loans | 0.3423% | 2,647 |
| Credit loss provision to net charge-offs | 70.0000% | 3,563 |
| Earnings coverage of net charge-offs (x) | 7.8250% | 2,412 |
| Efficiency ratio | 65.8670% | 4,554 |
| Assets per employee ($millions) | 3.1483% | 5,759 |
| Cash dividends to net income (ytd only)* | 25.2610% | 2,805 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2347% | 5,187 |
| Loan loss allowance to noncurrent loans | 47.2527% | 5,271 |
| Noncurrent assets plus other real estate owned to assets | 1.3420% | 3,754 |
| Noncurrent loans to loans | 2.6130% | 2,299 |
| Net loans and leases to total assets | 50.7255% | 5,261 |
| Net loans and leases to deposits | 58.9527% | 5,349 |
| Net loans and leases to core deposits | 60.8127% | 5,508 |
| Total domestic deposits to total assets | 86.0444% | 3,337 |
| Equity capital to assets | 12.6816% | 1,697 |
| Core capital (leverage) ratio | 11.8100% | 1,719 |
| Tier 1 risk-based capital ratio | 20.2480% | 1,651 |
| Total risk-based capital ratio | 21.3261% | 1,657 |
| Memoranda: | ||
| Average total assets | $90,138,670 | 5,163 |
| Average earning assets | $79,937,670 | 5,207 |
| Average equity | $10,994,670 | 4,811 |
| Average total loans | $46,740,670 | 5,316 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5102% | 3,868 |
| Cost of funding earning assets | 0.6715% | 4,524 |
| Net interest margin | 3.8387% | 3,196 |
| Noninterest income to average assets | 0.7330% | 2,477 |
| Noninterest expense to average assets | 2.6467% | 4,634 |
| Loan and lease loss provision to assets | 0.0834% | 4,342 |
| Net operating income to assets | 1.0885% | 2,145 |
| Return on assets (ROA) | 1.0885% | 2,326 |
| Pretax return on assets | 1.3650% | 2,312 |
| Return on Equity (ROE) | 9.0988% | 2,784 |
| Retained earnings to average equity (ytd only) | 9.0988% | 1,552 |
| Net charge-offs to loans | 0.2106% | 2,866 |
| Credit loss provision to net charge-offs | 76.0000% | 2,802 |
| Earnings coverage of net charge-offs (x) | 13.2000% | 1,551 |
| Efficiency ratio | 64.6302% | 4,815 |
| Assets per employee ($millions) | 3.6544% | 4,753 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2336% | 5,349 |
| Loan loss allowance to noncurrent loans | 48.4874% | 5,156 |
| Noncurrent assets plus other real estate owned to assets | 1.3102% | 3,936 |
| Noncurrent loans to loans | 2.5441% | 2,558 |
| Net loans and leases to total assets | 50.5664% | 5,225 |
| Net loans and leases to deposits | 59.4977% | 5,213 |
| Net loans and leases to core deposits | 61.3270% | 5,401 |
| Total domestic deposits to total assets | 84.9889% | 4,041 |
| Equity capital to assets | 12.0470% | 2,004 |
| Core capital (leverage) ratio | 11.5234% | 1,876 |
| Tier 1 risk-based capital ratio | 19.4576% | 1,854 |
| Total risk-based capital ratio | 20.5383% | 1,872 |
| Memoranda: | ||
| Average total assets | $91,132,500 | 5,171 |
| Average earning assets | $79,819,000 | 5,249 |
| Average equity | $10,902,500 | 4,838 |
| Average total loans | $47,474,000 | 5,319 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7064% | 4,215 |
| Cost of funding earning assets | 0.8436% | 4,515 |
| Net interest margin | 3.8628% | 3,507 |
| Noninterest income to average assets | 0.6799% | 2,727 |
| Noninterest expense to average assets | 2.7352% | 4,604 |
| Loan and lease loss provision to assets | 0.1216% | 5,084 |
| Net operating income to assets | 1.0017% | 2,189 |
| Return on assets (ROA) | 1.0017% | 2,333 |
| Pretax return on assets | 1.2759% | 2,217 |
| Return on Equity (ROE) | 8.8421% | 2,524 |
| Retained earnings to average equity (ytd only) | 6.3827% | 1,813 |
| Net charge-offs to loans | 0.2409% | 4,272 |
| Credit loss provision to net charge-offs | 94.8276% | 3,805 |
| Earnings coverage of net charge-offs (x) | 10.8966% | 1,780 |
| Efficiency ratio | 66.1851% | 4,735 |
| Assets per employee ($millions) | 3.3669% | 5,330 |
| Cash dividends to net income (ytd only)* | 27.8146% | 3,212 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2102% | 5,342 |
| Loan loss allowance to noncurrent loans | 70.4958% | 4,026 |
| Noncurrent assets plus other real estate owned to assets | 0.9185% | 4,777 |
| Noncurrent loans to loans | 1.7167% | 3,585 |
| Net loans and leases to total assets | 52.3519% | 5,257 |
| Net loans and leases to deposits | 61.5610% | 5,300 |
| Net loans and leases to core deposits | 63.4597% | 5,524 |
| Total domestic deposits to total assets | 85.0406% | 3,820 |
| Equity capital to assets | 11.8793% | 2,211 |
| Core capital (leverage) ratio | 11.1928% | 2,125 |
| Tier 1 risk-based capital ratio | 18.7228% | 1,984 |
| Total risk-based capital ratio | 19.7991% | 1,996 |
| Memoranda: | ||
| Average total assets | $90,449,400 | 5,167 |
| Average earning assets | $80,847,400 | 5,200 |
| Average equity | $10,246,400 | 4,958 |
| Average total loans | $48,157,000 | 5,340 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7200% | 4,359 |
| Cost of funding earning assets | 0.8936% | 4,444 |
| Net interest margin | 3.8264% | 3,739 |
| Noninterest income to average assets | 0.6804% | 2,718 |
| Noninterest expense to average assets | 2.7453% | 4,552 |
| Loan and lease loss provision to assets | 0.1314% | 4,786 |
| Net operating income to assets | 0.9726% | 2,425 |
| Return on assets (ROA) | 0.9726% | 2,594 |
| Pretax return on assets | 1.2295% | 2,525 |
| Return on Equity (ROE) | 8.6923% | 2,747 |
| Retained earnings to average equity (ytd only) | 7.0964% | 1,920 |
| Net charge-offs to loans | 0.2575% | 3,822 |
| Credit loss provision to net charge-offs | 95.6989% | 3,579 |
| Earnings coverage of net charge-offs (x) | 9.9137% | 1,987 |
| Efficiency ratio | 66.8584% | 4,552 |
| Assets per employee ($millions) | 3.3152% | 5,451 |
| Cash dividends to net income (ytd only)* | 18.3613% | 3,001 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2169% | 5,400 |
| Loan loss allowance to noncurrent loans | 69.0673% | 4,003 |
| Noncurrent assets plus other real estate owned to assets | 0.9552% | 4,833 |
| Noncurrent loans to loans | 1.7619% | 3,691 |
| Net loans and leases to total assets | 53.0516% | 5,313 |
| Net loans and leases to deposits | 63.1787% | 5,271 |
| Net loans and leases to core deposits | 65.1810% | 5,505 |
| Total domestic deposits to total assets | 83.9707% | 4,242 |
| Equity capital to assets | 11.9617% | 2,283 |
| Core capital (leverage) ratio | 11.0526% | 2,343 |
| Tier 1 risk-based capital ratio | 18.6117% | 2,056 |
| Total risk-based capital ratio | 19.6978% | 2,071 |
| Memoranda: | ||
| Average total assets | $90,335,250 | 5,216 |
| Average earning assets | $80,873,750 | 5,248 |
| Average equity | $10,108,250 | 5,010 |
| Average total loans | $48,152,750 | 5,378 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7295% | 4,401 |
| Cost of funding earning assets | 0.9603% | 4,247 |
| Net interest margin | 3.7692% | 3,944 |
| Noninterest income to average assets | 0.6644% | 2,742 |
| Noninterest expense to average assets | 2.7127% | 4,766 |
| Loan and lease loss provision to assets | 0.1324% | 4,643 |
| Net operating income to assets | 0.9226% | 2,546 |
| Return on assets (ROA) | 0.9226% | 2,650 |
| Pretax return on assets | 1.1632% | 2,629 |
| Return on Equity (ROE) | 8.4371% | 2,748 |
| Retained earnings to average equity (ytd only) | 5.9948% | 2,437 |
| Net charge-offs to loans | 0.2117% | 3,872 |
| Credit loss provision to net charge-offs | 117.6471% | 2,610 |
| Earnings coverage of net charge-offs (x) | 11.5098% | 1,710 |
| Efficiency ratio | 67.6762% | 4,579 |
| Assets per employee ($millions) | 3.3231% | 5,381 |
| Cash dividends to net income (ytd only)* | 28.9474% | 2,518 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2867% | 5,121 |
| Loan loss allowance to noncurrent loans | 59.6806% | 4,465 |
| Noncurrent assets plus other real estate owned to assets | 1.1235% | 4,649 |
| Noncurrent loans to loans | 2.1560% | 3,277 |
| Net loans and leases to total assets | 51.1318% | 5,677 |
| Net loans and leases to deposits | 59.5480% | 5,773 |
| Net loans and leases to core deposits | 61.6014% | 5,931 |
| Total domestic deposits to total assets | 85.8665% | 3,397 |
| Equity capital to assets | 11.4040% | 2,600 |
| Core capital (leverage) ratio | 10.7137% | 2,503 |
| Tier 1 risk-based capital ratio | 18.6629% | 1,944 |
| Total risk-based capital ratio | 19.8016% | 1,950 |
| Memoranda: | ||
| Average total assets | $90,610,000 | 5,243 |
| Average earning assets | $80,389,000 | 5,312 |
| Average equity | $9,908,670 | 5,071 |
| Average total loans | $48,179,670 | 5,431 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8468% | 3,839 |
| Cost of funding earning assets | 1.0322% | 3,977 |
| Net interest margin | 3.8146% | 3,542 |
| Noninterest income to average assets | 0.5008% | 3,881 |
| Noninterest expense to average assets | 2.6490% | 5,045 |
| Loan and lease loss provision to assets | 0.0571% | 5,284 |
| Net operating income to assets | 0.9137% | 2,498 |
| Return on assets (ROA) | 0.9137% | 2,556 |
| Pretax return on assets | 1.1554% | 2,536 |
| Return on Equity (ROE) | 8.5360% | 2,682 |
| Retained earnings to average equity (ytd only) | 8.5360% | 1,542 |
| Net charge-offs to loans | 0.0571% | 4,363 |
| Credit loss provision to net charge-offs | 185.7143% | 1,581 |
| Earnings coverage of net charge-offs (x) | 39.4286% | 690 |
| Efficiency ratio | 68.6007% | 4,537 |
| Assets per employee ($millions) | 3.3436% | 5,383 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2310% | 5,476 |
| Loan loss allowance to noncurrent loans | 55.3488% | 4,686 |
| Noncurrent assets plus other real estate owned to assets | 1.3459% | 4,282 |
| Noncurrent loans to loans | 2.2241% | 3,290 |
| Net loans and leases to total assets | 52.8823% | 5,471 |
| Net loans and leases to deposits | 60.9722% | 5,623 |
| Net loans and leases to core deposits | 64.3145% | 5,693 |
| Total domestic deposits to total assets | 86.7318% | 3,103 |
| Equity capital to assets | 10.8833% | 2,793 |
| Core capital (leverage) ratio | 10.4311% | 2,672 |
| Tier 1 risk-based capital ratio | 17.7031% | 2,220 |
| Total risk-based capital ratio | 18.7895% | 2,245 |
| Memoranda: | ||
| Average total assets | $91,053,500 | 5,263 |
| Average earning assets | $80,218,500 | 5,354 |
| Average equity | $9,747,000 | 5,107 |
| Average total loans | $49,032,000 | 5,441 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3392% | 2,937 |
| Cost of funding earning assets | 1.1827% | 4,660 |
| Net interest margin | 4.1565% | 2,339 |
| Noninterest income to average assets | 0.6170% | 3,363 |
| Noninterest expense to average assets | 2.8975% | 4,232 |
| Loan and lease loss provision to assets | 0.2267% | 5,013 |
| Net operating income to assets | 1.0031% | 2,032 |
| Return on assets (ROA) | 1.0154% | 2,094 |
| Pretax return on assets | 1.1276% | 2,474 |
| Return on Equity (ROE) | 9.2874% | 2,180 |
| Retained earnings to average equity (ytd only) | 6.2404% | 1,695 |
| Net charge-offs to loans | 0.3389% | 4,319 |
| Credit loss provision to net charge-offs | 117.1598% | 3,652 |
| Earnings coverage of net charge-offs (x) | 6.9290% | 2,237 |
| Efficiency ratio | 68.3684% | 4,486 |
| Assets per employee ($millions) | 3.4011% | 5,166 |
| Cash dividends to net income (ytd only)* | 32.8072% | 2,918 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1844% | 5,591 |
| Loan loss allowance to noncurrent loans | 51.2620% | 4,936 |
| Noncurrent assets plus other real estate owned to assets | 1.2512% | 4,523 |
| Noncurrent loans to loans | 2.3105% | 3,210 |
| Net loans and leases to total assets | 53.5113% | 5,700 |
| Net loans and leases to deposits | 61.3767% | 5,915 |
| Net loans and leases to core deposits | 64.0002% | 6,051 |
| Total domestic deposits to total assets | 87.1852% | 2,723 |
| Equity capital to assets | 10.5291% | 3,128 |
| Core capital (leverage) ratio | 10.4832% | 2,577 |
| Tier 1 risk-based capital ratio | 16.8628% | 2,402 |
| Total risk-based capital ratio | 17.9096% | 2,442 |
| Memoranda: | ||
| Average total assets | $87,352,200 | 5,363 |
| Average earning assets | $76,097,800 | 5,476 |
| Average equity | $9,550,600 | 5,250 |
| Average total loans | $49,863,800 | 5,490 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3708% | 3,028 |
| Cost of funding earning assets | 1.1908% | 4,911 |
| Net interest margin | 4.1800% | 2,291 |
| Noninterest income to average assets | 0.6169% | 3,339 |
| Noninterest expense to average assets | 2.9192% | 4,012 |
| Loan and lease loss provision to assets | 0.1685% | 5,358 |
| Net operating income to assets | 1.0328% | 2,132 |
| Return on assets (ROA) | 1.0328% | 2,232 |
| Pretax return on assets | 1.1983% | 2,497 |
| Return on Equity (ROE) | 9.3545% | 2,367 |
| Retained earnings to average equity (ytd only) | 7.3240% | 1,688 |
| Net charge-offs to loans | 0.2886% | 4,216 |
| Credit loss provision to net charge-offs | 100.9259% | 4,276 |
| Earnings coverage of net charge-offs (x) | 8.1850% | 2,198 |
| Efficiency ratio | 68.1097% | 4,447 |
| Assets per employee ($millions) | 3.2511% | 5,576 |
| Cash dividends to net income (ytd only)* | 21.7069% | 2,898 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0896% | 5,980 |
| Loan loss allowance to noncurrent loans | 42.8244% | 5,431 |
| Noncurrent assets plus other real estate owned to assets | 1.4924% | 4,215 |
| Noncurrent loans to loans | 2.5443% | 3,078 |
| Net loans and leases to total assets | 58.0155% | 5,268 |
| Net loans and leases to deposits | 67.5322% | 5,484 |
| Net loans and leases to core deposits | 70.6011% | 5,689 |
| Total domestic deposits to total assets | 85.9080% | 3,125 |
| Equity capital to assets | 11.3614% | 2,645 |
| Core capital (leverage) ratio | 10.7744% | 2,445 |
| Tier 1 risk-based capital ratio | 16.7649% | 2,426 |
| Total risk-based capital ratio | 17.7640% | 2,508 |
| Memoranda: | ||
| Average total assets | $86,232,500 | 5,467 |
| Average earning assets | $75,692,000 | 5,555 |
| Average equity | $9,521,000 | 5,337 |
| Average total loans | $49,897,500 | 5,571 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3679% | 3,117 |
| Cost of funding earning assets | 1.2291% | 4,964 |
| Net interest margin | 4.1388% | 2,384 |
| Noninterest income to average assets | 0.6090% | 3,271 |
| Noninterest expense to average assets | 2.9796% | 3,783 |
| Loan and lease loss provision to assets | 0.1167% | 5,731 |
| Net operating income to assets | 0.9940% | 2,226 |
| Return on assets (ROA) | 0.9940% | 2,300 |
| Pretax return on assets | 1.1270% | 2,685 |
| Return on Equity (ROE) | 9.0925% | 2,427 |
| Retained earnings to average equity (ytd only) | 5.9977% | 2,328 |
| Net charge-offs to loans | 0.2633% | 4,023 |
| Credit loss provision to net charge-offs | 76.9231% | 4,791 |
| Earnings coverage of net charge-offs (x) | 8.2000% | 2,171 |
| Efficiency ratio | 70.5525% | 4,071 |
| Assets per employee ($millions) | 2.9437% | 6,262 |
| Cash dividends to net income (ytd only)* | 34.0376% | 2,359 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0861% | 6,009 |
| Loan loss allowance to noncurrent loans | 38.3803% | 5,791 |
| Noncurrent assets plus other real estate owned to assets | 1.7228% | 3,863 |
| Noncurrent loans to loans | 2.8298% | 2,827 |
| Net loans and leases to total assets | 60.2198% | 5,014 |
| Net loans and leases to deposits | 71.0899% | 5,131 |
| Net loans and leases to core deposits | 73.4452% | 5,504 |
| Total domestic deposits to total assets | 84.7094% | 3,765 |
| Equity capital to assets | 11.6145% | 2,344 |
| Core capital (leverage) ratio | 10.9161% | 2,313 |
| Tier 1 risk-based capital ratio | 16.9244% | 2,311 |
| Total risk-based capital ratio | 17.9300% | 2,357 |
| Memoranda: | ||
| Average total assets | $85,716,670 | 5,513 |
| Average earning assets | $74,852,670 | 5,615 |
| Average equity | $9,370,330 | 5,390 |
| Average total loans | $49,367,670 | 5,634 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3829% | 3,125 |
| Cost of funding earning assets | 1.3096% | 4,757 |
| Net interest margin | 4.0732% | 2,554 |
| Noninterest income to average assets | 0.5998% | 3,278 |
| Noninterest expense to average assets | 2.9165% | 3,993 |
| Loan and lease loss provision to assets | 0.0870% | 5,768 |
| Net operating income to assets | 0.9386% | 2,401 |
| Return on assets (ROA) | 0.9386% | 2,463 |
| Pretax return on assets | 1.0851% | 2,787 |
| Return on Equity (ROE) | 8.8467% | 2,550 |
| Retained earnings to average equity (ytd only) | 8.8467% | 1,445 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.3326% | 4,063 |
| Assets per employee ($millions) | 3.2141% | 5,735 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1957% | 5,526 |
| Loan loss allowance to noncurrent loans | 44.9534% | 5,355 |
| Noncurrent assets plus other real estate owned to assets | 1.4842% | 4,286 |
| Noncurrent loans to loans | 2.6599% | 3,012 |
| Net loans and leases to total assets | 55.1319% | 5,868 |
| Net loans and leases to deposits | 63.6731% | 6,084 |
| Net loans and leases to core deposits | 67.4772% | 6,152 |
| Total domestic deposits to total assets | 86.5858% | 2,854 |
| Equity capital to assets | 10.8422% | 2,908 |
| Core capital (leverage) ratio | 10.4642% | 2,651 |
| Tier 1 risk-based capital ratio | 16.9641% | 2,282 |
| Total risk-based capital ratio | 18.0440% | 2,297 |
| Memoranda: | ||
| Average total assets | $87,363,500 | 5,537 |
| Average earning assets | $74,830,000 | 5,676 |
| Average equity | $9,269,000 | 5,465 |
| Average total loans | $48,961,500 | 5,713 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5082% | 4,102 |
| Cost of funding earning assets | 1.6983% | 4,521 |
| Net interest margin | 3.8099% | 3,661 |
| Noninterest income to average assets | 0.6500% | 3,291 |
| Noninterest expense to average assets | 3.1232% | 3,640 |
| Loan and lease loss provision to assets | 0.1547% | 6,125 |
| Net operating income to assets | 0.8977% | 2,183 |
| Return on assets (ROA) | 0.9025% | 2,236 |
| Pretax return on assets | 0.8300% | 3,153 |
| Return on Equity (ROE) | 8.4453% | 2,217 |
| Retained earnings to average equity (ytd only) | 5.9806% | 1,354 |
| Net charge-offs to loans | 0.0995% | 6,141 |
| Credit loss provision to net charge-offs | 272.3404% | 1,269 |
| Earnings coverage of net charge-offs (x) | 17.2553% | 1,199 |
| Efficiency ratio | 76.1190% | 3,504 |
| Assets per employee ($millions) | 3.3825% | 5,301 |
| Cash dividends to net income (ytd only)* | 29.1834% | 3,363 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1313% | 5,743 |
| Loan loss allowance to noncurrent loans | 49.8221% | 5,061 |
| Noncurrent assets plus other real estate owned to assets | 1.2781% | 4,532 |
| Noncurrent loans to loans | 2.2707% | 3,319 |
| Net loans and leases to total assets | 55.6478% | 6,005 |
| Net loans and leases to deposits | 63.8120% | 6,292 |
| Net loans and leases to core deposits | 75.3074% | 6,451 |
| Total domestic deposits to total assets | 87.2058% | 2,383 |
| Equity capital to assets | 10.3802% | 3,314 |
| Core capital (leverage) ratio | 10.3316% | 2,759 |
| Tier 1 risk-based capital ratio | 16.2556% | 2,412 |
| Total risk-based capital ratio | 17.2795% | 2,442 |
| Memoranda: | ||
| Average total assets | $82,766,400 | 5,641 |
| Average earning assets | $75,015,800 | 5,638 |
| Average equity | $8,845,200 | 5,651 |
| Average total loans | $47,241,000 | 5,794 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4739% | 4,553 |
| Cost of funding earning assets | 1.7529% | 4,624 |
| Net interest margin | 3.7211% | 3,983 |
| Noninterest income to average assets | 0.6579% | 3,307 |
| Noninterest expense to average assets | 3.0619% | 3,800 |
| Loan and lease loss provision to assets | 0.1031% | 6,343 |
| Net operating income to assets | 0.8823% | 2,489 |
| Return on assets (ROA) | 0.8886% | 2,539 |
| Pretax return on assets | 0.9214% | 3,162 |
| Return on Equity (ROE) | 8.2512% | 2,536 |
| Retained earnings to average equity (ytd only) | 6.4125% | 1,757 |
| Net charge-offs to loans | 0.1028% | 5,645 |
| Credit loss provision to net charge-offs | 175.0000% | 2,640 |
| Earnings coverage of net charge-offs (x) | 17.2773% | 1,416 |
| Efficiency ratio | 75.0501% | 3,683 |
| Assets per employee ($millions) | 2.9777% | 6,221 |
| Cash dividends to net income (ytd only)* | 22.2838% | 3,166 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0221% | 6,152 |
| Loan loss allowance to noncurrent loans | 60.0950% | 4,359 |
| Noncurrent assets plus other real estate owned to assets | 1.0099% | 5,058 |
| Noncurrent loans to loans | 1.7008% | 4,089 |
| Net loans and leases to total assets | 58.7687% | 5,770 |
| Net loans and leases to deposits | 66.7370% | 6,236 |
| Net loans and leases to core deposits | 80.1541% | 6,340 |
| Total domestic deposits to total assets | 88.0601% | 1,628 |
| Equity capital to assets | 10.9624% | 3,048 |
| Core capital (leverage) ratio | 10.5510% | 2,755 |
| Tier 1 risk-based capital ratio | 16.5023% | 2,427 |
| Total risk-based capital ratio | 17.4528% | 2,491 |
| Memoranda: | ||
| Average total assets | $81,471,500 | 5,713 |
| Average earning assets | $74,922,750 | 5,673 |
| Average equity | $8,774,250 | 5,729 |
| Average total loans | $46,676,250 | 5,861 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5122% | 4,558 |
| Cost of funding earning assets | 1.8509% | 4,506 |
| Net interest margin | 3.6613% | 4,112 |
| Noninterest income to average assets | 0.6606% | 3,261 |
| Noninterest expense to average assets | 3.0555% | 3,863 |
| Loan and lease loss provision to assets | 0.0866% | 6,306 |
| Net operating income to assets | 0.8074% | 2,827 |
| Return on assets (ROA) | 0.8165% | 2,886 |
| Pretax return on assets | 0.8907% | 3,377 |
| Return on Equity (ROE) | 7.6280% | 2,913 |
| Retained earnings to average equity (ytd only) | 4.8311% | 2,608 |
| Net charge-offs to loans | 0.1443% | 4,738 |
| Credit loss provision to net charge-offs | 106.0606% | 4,340 |
| Earnings coverage of net charge-offs (x) | 11.8485% | 1,869 |
| Efficiency ratio | 75.9533% | 3,698 |
| Assets per employee ($millions) | 2.7812% | 6,674 |
| Cash dividends to net income (ytd only)* | 36.6667% | 2,575 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0140% | 6,124 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 58.2166% | 5,933 |
| Net loans and leases to deposits | 68.4002% | 6,145 |
| Net loans and leases to core deposits | 80.0744% | 6,403 |
| Total domestic deposits to total assets | 85.1117% | 3,212 |
| Equity capital to assets | 10.7707% | 3,145 |
| Core capital (leverage) ratio | 10.3384% | 2,962 |
| Tier 1 risk-based capital ratio | 16.7713% | 2,373 |
| Total risk-based capital ratio | 17.7124% | 2,404 |
| Memoranda: | ||
| Average total assets | $80,836,670 | 5,770 |
| Average earning assets | $74,235,670 | 5,738 |
| Average equity | $8,652,330 | 5,798 |
| Average total loans | $45,733,330 | 5,945 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3498% | 5,658 |
| Cost of funding earning assets | 1.9478% | 4,387 |
| Net interest margin | 3.4019% | 5,132 |
| Noninterest income to average assets | 0.6475% | 3,212 |
| Noninterest expense to average assets | 2.9705% | 3,890 |
| Loan and lease loss provision to assets | 0.0741% | 6,029 |
| Net operating income to assets | 0.6821% | 3,650 |
| Return on assets (ROA) | 0.6821% | 3,835 |
| Pretax return on assets | 0.7365% | 4,300 |
| Return on Equity (ROE) | 6.3926% | 3,867 |
| Retained earnings to average equity (ytd only) | 6.3926% | 2,463 |
| Net charge-offs to loans | 0.0802% | 4,374 |
| Credit loss provision to net charge-offs | 166.6667% | 2,553 |
| Earnings coverage of net charge-offs (x) | 18.2222% | 1,474 |
| Efficiency ratio | 78.5621% | 3,070 |
| Assets per employee ($millions) | 2.7378% | 6,787 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0615% | 5,740 |
| Loan loss allowance to noncurrent loans | 1,940.0000% | 239 |
| Noncurrent assets plus other real estate owned to assets | 0.0304% | 7,527 |
| Noncurrent loans to loans | 0.0547% | 7,381 |
| Net loans and leases to total assets | 55.0399% | 6,349 |
| Net loans and leases to deposits | 62.0975% | 6,733 |
| Net loans and leases to core deposits | 73.9015% | 6,811 |
| Total domestic deposits to total assets | 88.6346% | 1,406 |
| Equity capital to assets | 10.6325% | 3,345 |
| Core capital (leverage) ratio | 10.3884% | 3,037 |
| Tier 1 risk-based capital ratio | 17.0003% | 2,338 |
| Total risk-based capital ratio | 17.9722% | 2,368 |
| Memoranda: | ||
| Average total assets | $80,928,000 | 5,789 |
| Average earning assets | $74,545,500 | 5,752 |
| Average equity | $8,635,000 | 5,835 |
| Average total loans | $44,882,500 | 6,016 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1319% | 4,884 |
| Cost of funding earning assets | 2.2118% | 5,547 |
| Net interest margin | 3.9201% | 3,480 |
| Noninterest income to average assets | 0.7465% | 2,804 |
| Noninterest expense to average assets | 3.1365% | 3,560 |
| Loan and lease loss provision to assets | 0.1757% | 5,144 |
| Net operating income to assets | 0.8596% | 3,179 |
| Return on assets (ROA) | 0.8596% | 3,024 |
| Pretax return on assets | 1.0406% | 3,234 |
| Return on Equity (ROE) | 7.7786% | 3,162 |
| Retained earnings to average equity (ytd only) | 4.2746% | 2,462 |
| Net charge-offs to loans | 0.2430% | 3,833 |
| Credit loss provision to net charge-offs | 126.9231% | 4,209 |
| Earnings coverage of net charge-offs (x) | 8.7885% | 2,821 |
| Efficiency ratio | 72.0575% | 3,923 |
| Assets per employee ($millions) | 4.4289% | 2,725 |
| Cash dividends to net income (ytd only)* | 45.0464% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0868% | 5,372 |
| Loan loss allowance to noncurrent loans | 1,545.1613% | 366 |
| Noncurrent assets plus other real estate owned to assets | 0.0389% | 7,434 |
| Noncurrent loans to loans | 0.0703% | 7,224 |
| Net loans and leases to total assets | 54.6832% | 6,582 |
| Net loans and leases to deposits | 61.6588% | 6,973 |
| Net loans and leases to core deposits | 73.3511% | 7,004 |
| Total domestic deposits to total assets | 88.6868% | 1,159 |
| Equity capital to assets | 10.7086% | 3,290 |
| Core capital (leverage) ratio | 10.9927% | 2,594 |
| Tier 1 risk-based capital ratio | 17.3388% | 2,218 |
| Total risk-based capital ratio | 18.3318% | 2,236 |
| Memoranda: | ||
| Average total assets | $75,148,600 | 5,870 |
| Average earning assets | $69,130,600 | 5,851 |
| Average equity | $8,304,800 | 5,975 |
| Average total loans | $42,806,200 | 6,032 |