Home > Defiance State Bank > Performance and Condition Ratios
Defiance State Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4056% | 2,291 |
| Cost of funding earning assets | 1.3052% | 3,586 |
| Net interest margin | 4.1005% | 1,105 |
| Noninterest income to average assets | 0.1700% | 3,735 |
| Noninterest expense to average assets | 2.8138% | 1,491 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | 1.2183% | 1,690 |
| Return on assets (ROA) | 1.2183% | 1,690 |
| Pretax return on assets | 1.2183% | 2,200 |
| Return on Equity (ROE) | 12.7200% | 1,556 |
| Retained earnings to average equity (ytd only) | 12.7176% | 664 |
| Net charge-offs to loans | 0.0000% | 2,326 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 69.7842% | 1,838 |
| Assets per employee ($millions) | 5.9126% | 2,995 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5788% | 4,193 |
| Loan loss allowance to noncurrent loans | 442.5000% | 1,254 |
| Noncurrent assets plus other real estate owned to assets | 0.0966% | 3,031 |
| Noncurrent loans to loans | 0.1308% | 3,028 |
| Net loans and leases to total assets | 73.4500% | 1,407 |
| Net loans and leases to deposits | 91.1082% | 1,002 |
| Net loans and leases to core deposits | 102.0853% | 1,249 |
| Total domestic deposits to total assets | 80.6200% | 3,533 |
| Equity capital to assets | 9.7275% | 2,410 |
| Core capital (leverage) ratio | 9.6568% | 3,123 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $41,367,500 | 4,274 |
| Average earning assets | $38,922,500 | 4,252 |
| Average equity | $3,963,000 | 4,302 |
| Average total loans | $30,732,500 | 4,076 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0534% | 2,999 |
| Cost of funding earning assets | 1.2839% | 3,694 |
| Net interest margin | 3.7695% | 1,557 |
| Noninterest income to average assets | 0.2100% | 3,644 |
| Noninterest expense to average assets | 3.1165% | 976 |
| Loan and lease loss provision to assets | 0.0000% | 3,171 |
| Net operating income to assets | 0.5158% | 3,435 |
| Return on assets (ROA) | 0.5158% | 3,452 |
| Pretax return on assets | 0.6339% | 3,406 |
| Return on Equity (ROE) | 5.5400% | 3,389 |
| Retained earnings to average equity (ytd only) | 3.2891% | 2,921 |
| Net charge-offs to loans | 0.0000% | 3,099 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 83.0977% | 847 |
| Assets per employee ($millions) | 5.9067% | 2,949 |
| Cash dividends to net income (ytd only)* | 40.6542% | 2,101 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5731% | 4,225 |
| Loan loss allowance to noncurrent loans | 442.5000% | 1,306 |
| Noncurrent assets plus other real estate owned to assets | 0.0967% | 3,010 |
| Noncurrent loans to loans | 0.1295% | 3,005 |
| Net loans and leases to total assets | 74.2700% | 1,369 |
| Net loans and leases to deposits | 90.1274% | 1,200 |
| Net loans and leases to core deposits | 97.4426% | 1,625 |
| Total domestic deposits to total assets | 82.4100% | 3,173 |
| Equity capital to assets | 9.4324% | 2,509 |
| Core capital (leverage) ratio | 9.3992% | 3,325 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $41,488,400 | 4,291 |
| Average earning assets | $38,944,200 | 4,267 |
| Average equity | $3,861,200 | 4,315 |
| Average total loans | $29,739,000 | 4,099 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9691% | 3,081 |
| Cost of funding earning assets | 1.2491% | 3,751 |
| Net interest margin | 3.7200% | 1,603 |
| Noninterest income to average assets | 0.2200% | 3,570 |
| Noninterest expense to average assets | 2.8577% | 1,357 |
| Loan and lease loss provision to assets | 0.0000% | 3,009 |
| Net operating income to assets | 0.7321% | 2,894 |
| Return on assets (ROA) | 0.7321% | 2,911 |
| Pretax return on assets | 0.8477% | 2,929 |
| Return on Equity (ROE) | 7.8900% | 2,798 |
| Retained earnings to average equity (ytd only) | 4.8811% | 2,516 |
| Net charge-offs to loans | 0.0000% | 2,849 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 77.1231% | 1,300 |
| Assets per employee ($millions) | 5.7993% | 3,030 |
| Cash dividends to net income (ytd only)* | 38.1579% | 1,838 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5986% | 4,230 |
| Loan loss allowance to noncurrent loans | 402.2727% | 1,460 |
| Noncurrent assets plus other real estate owned to assets | 0.1084% | 2,971 |
| Noncurrent loans to loans | 0.1488% | 2,942 |
| Net loans and leases to total assets | 72.4100% | 1,560 |
| Net loans and leases to deposits | 90.7752% | 1,171 |
| Net loans and leases to core deposits | 97.4246% | 1,666 |
| Total domestic deposits to total assets | 79.7600% | 3,500 |
| Equity capital to assets | 9.6416% | 2,545 |
| Core capital (leverage) ratio | 9.7818% | 3,023 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $41,523,750 | 4,315 |
| Average earning assets | $38,959,750 | 4,298 |
| Average equity | $3,851,500 | 4,341 |
| Average total loans | $29,452,000 | 4,122 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9473% | 3,038 |
| Cost of funding earning assets | 1.1770% | 3,812 |
| Net interest margin | 3.7703% | 1,478 |
| Noninterest income to average assets | 0.2100% | 3,620 |
| Noninterest expense to average assets | 2.8255% | 1,402 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 0.8127% | 2,587 |
| Return on assets (ROA) | 0.8127% | 2,603 |
| Pretax return on assets | 0.9227% | 2,704 |
| Return on Equity (ROE) | 8.8800% | 2,484 |
| Retained earnings to average equity (ytd only) | 4.3334% | 2,589 |
| Net charge-offs to loans | 0.0000% | 2,619 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 75.3827% | 1,512 |
| Assets per employee ($millions) | 5.7734% | 2,994 |
| Cash dividends to net income (ytd only)* | 51.1765% | 1,410 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6243% | 4,208 |
| Loan loss allowance to noncurrent loans | 151.2821% | 2,639 |
| Noncurrent assets plus other real estate owned to assets | 0.2895% | 2,000 |
| Noncurrent loans to loans | 0.4126% | 1,958 |
| Net loans and leases to total assets | 69.7200% | 1,929 |
| Net loans and leases to deposits | 83.6063% | 1,877 |
| Net loans and leases to core deposits | 90.8818% | 2,088 |
| Total domestic deposits to total assets | 83.3900% | 2,769 |
| Equity capital to assets | 9.5412% | 2,360 |
| Core capital (leverage) ratio | 9.3925% | 3,343 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $41,833,333 | 4,335 |
| Average earning assets | $39,254,000 | 4,312 |
| Average equity | $3,830,667 | 4,354 |
| Average total loans | $29,412,667 | 4,138 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8702% | 3,036 |
| Cost of funding earning assets | 1.1324% | 3,832 |
| Net interest margin | 3.7378% | 1,458 |
| Noninterest income to average assets | 0.2300% | 3,433 |
| Noninterest expense to average assets | 2.7455% | 1,581 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 0.9872% | 1,966 |
| Return on assets (ROA) | 0.9872% | 1,974 |
| Pretax return on assets | 0.9872% | 2,419 |
| Return on Equity (ROE) | 11.0000% | 1,851 |
| Retained earnings to average equity (ytd only) | 9.4290% | 1,224 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 73.5516% | 1,784 |
| Assets per employee ($millions) | 5.9831% | 2,852 |
| Cash dividends to net income (ytd only)* | 14.2857% | 2,094 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5944% | 4,241 |
| Loan loss allowance to noncurrent loans | 340.3846% | 1,745 |
| Noncurrent assets plus other real estate owned to assets | 0.1242% | 2,804 |
| Noncurrent loans to loans | 0.1746% | 2,746 |
| Net loans and leases to total assets | 70.6800% | 1,724 |
| Net loans and leases to deposits | 84.8677% | 1,644 |
| Net loans and leases to core deposits | 92.2638% | 1,896 |
| Total domestic deposits to total assets | 83.2800% | 2,910 |
| Equity capital to assets | 9.2235% | 2,529 |
| Core capital (leverage) ratio | 9.0259% | 3,685 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4714% | 2,719 |
| Memoranda: | ||
| Average total assets | $42,543,000 | 4,358 |
| Average earning assets | $39,916,000 | 4,330 |
| Average equity | $3,818,000 | 4,377 |
| Average total loans | $29,942,000 | 4,154 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3745% | 3,324 |
| Cost of funding earning assets | 0.7233% | 3,888 |
| Net interest margin | 3.6511% | 1,857 |
| Noninterest income to average assets | 0.2000% | 3,754 |
| Noninterest expense to average assets | 2.9103% | 1,257 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.7165% | 3,144 |
| Return on assets (ROA) | 0.7165% | 3,124 |
| Pretax return on assets | 0.7351% | 3,367 |
| Return on Equity (ROE) | 8.3600% | 2,929 |
| Retained earnings to average equity (ytd only) | 6.7347% | 1,974 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 79.8341% | 928 |
| Assets per employee ($millions) | 6.1720% | 2,673 |
| Cash dividends to net income (ytd only)* | 19.4805% | 2,961 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5879% | 4,261 |
| Loan loss allowance to noncurrent loans | 442.5000% | 1,563 |
| Noncurrent assets plus other real estate owned to assets | 0.0926% | 2,908 |
| Noncurrent loans to loans | 0.1329% | 2,845 |
| Net loans and leases to total assets | 69.2700% | 1,892 |
| Net loans and leases to deposits | 92.2852% | 1,066 |
| Net loans and leases to core deposits | 97.5776% | 1,563 |
| Total domestic deposits to total assets | 75.0600% | 4,025 |
| Equity capital to assets | 8.7330% | 2,882 |
| Core capital (leverage) ratio | 8.8520% | 3,864 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.6794% | 2,859 |
| Memoranda: | ||
| Average total assets | $42,985,400 | 4,371 |
| Average earning assets | $40,507,800 | 4,342 |
| Average equity | $3,682,400 | 4,377 |
| Average total loans | $28,328,000 | 4,164 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2555% | 3,366 |
| Cost of funding earning assets | 0.5784% | 4,009 |
| Net interest margin | 3.6771% | 1,830 |
| Noninterest income to average assets | 0.2000% | 3,768 |
| Noninterest expense to average assets | 2.6740% | 1,733 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.9876% | 2,402 |
| Return on assets (ROA) | 0.9876% | 2,388 |
| Pretax return on assets | 0.9969% | 2,869 |
| Return on Equity (ROE) | 11.5900% | 2,227 |
| Retained earnings to average equity (ytd only) | 9.3993% | 1,576 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 72.8426% | 1,469 |
| Assets per employee ($millions) | 6.0187% | 2,743 |
| Cash dividends to net income (ytd only)* | 18.8679% | 2,500 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5913% | 4,280 |
| Loan loss allowance to noncurrent loans | 4,425.0000% | 269 |
| Noncurrent assets plus other real estate owned to assets | 0.0095% | 3,760 |
| Noncurrent loans to loans | 0.0134% | 3,700 |
| Net loans and leases to total assets | 70.6300% | 1,753 |
| Net loans and leases to deposits | 93.6461% | 925 |
| Net loans and leases to core deposits | 99.1173% | 1,369 |
| Total domestic deposits to total assets | 75.4200% | 4,066 |
| Equity capital to assets | 8.9768% | 2,434 |
| Core capital (leverage) ratio | 8.8099% | 3,938 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.7969% | 2,854 |
| Memoranda: | ||
| Average total assets | $42,930,750 | 4,386 |
| Average earning assets | $40,574,000 | 4,359 |
| Average equity | $3,659,750 | 4,393 |
| Average total loans | $27,883,500 | 4,189 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1921% | 3,312 |
| Cost of funding earning assets | 0.5142% | 3,953 |
| Net interest margin | 3.6779% | 1,855 |
| Noninterest income to average assets | 0.2000% | 3,770 |
| Noninterest expense to average assets | 2.6391% | 1,825 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.0417% | 2,280 |
| Return on assets (ROA) | 1.0417% | 2,276 |
| Pretax return on assets | 1.0417% | 2,794 |
| Return on Equity (ROE) | 12.4300% | 2,033 |
| Retained earnings to average equity (ytd only) | 9.1185% | 1,660 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 71.6981% | 1,592 |
| Assets per employee ($millions) | 6.2814% | 2,482 |
| Cash dividends to net income (ytd only)* | 26.6667% | 2,197 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6441% | 4,250 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 62.0900% | 2,568 |
| Net loans and leases to deposits | 76.3970% | 2,272 |
| Net loans and leases to core deposits | 79.7255% | 2,490 |
| Total domestic deposits to total assets | 81.2800% | 3,382 |
| Equity capital to assets | 8.3898% | 2,957 |
| Core capital (leverage) ratio | 8.4758% | 4,149 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.0546% | 2,840 |
| Memoranda: | ||
| Average total assets | $43,197,333 | 4,407 |
| Average earning assets | $40,838,333 | 4,382 |
| Average equity | $3,619,000 | 4,429 |
| Average total loans | $27,200,000 | 4,208 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0846% | 3,276 |
| Cost of funding earning assets | 0.4834% | 3,748 |
| Net interest margin | 3.6011% | 2,124 |
| Noninterest income to average assets | 0.2200% | 3,644 |
| Noninterest expense to average assets | 2.5321% | 2,160 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.1025% | 2,217 |
| Return on assets (ROA) | 1.1025% | 2,182 |
| Pretax return on assets | 1.1025% | 2,701 |
| Return on Equity (ROE) | 13.1700% | 1,950 |
| Retained earnings to average equity (ytd only) | 13.1696% | 1,061 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 69.6658% | 1,781 |
| Assets per employee ($millions) | 6.3197% | 2,481 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6549% | 4,300 |
| Loan loss allowance to noncurrent loans | 5,900.0000% | 263 |
| Noncurrent assets plus other real estate owned to assets | 0.0068% | 3,812 |
| Noncurrent loans to loans | 0.0111% | 3,742 |
| Net loans and leases to total assets | 60.7000% | 2,582 |
| Net loans and leases to deposits | 73.4062% | 2,344 |
| Net loans and leases to core deposits | 76.5014% | 2,490 |
| Total domestic deposits to total assets | 82.6900% | 3,355 |
| Equity capital to assets | 8.2350% | 3,090 |
| Core capital (leverage) ratio | 8.1856% | 4,347 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.9960% | 2,950 |
| Memoranda: | ||
| Average total assets | $42,811,000 | 4,479 |
| Average earning assets | $40,543,000 | 4,451 |
| Average equity | $3,584,000 | 4,491 |
| Average total loans | $27,060,500 | 4,263 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3457% | 3,482 |
| Cost of funding earning assets | 0.3276% | 2,658 |
| Net interest margin | 3.0181% | 3,405 |
| Noninterest income to average assets | 0.2100% | 3,885 |
| Noninterest expense to average assets | 2.7241% | 1,504 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.3124% | 4,354 |
| Return on assets (ROA) | 0.3124% | 4,326 |
| Pretax return on assets | 0.3417% | 4,338 |
| Return on Equity (ROE) | 3.6800% | 4,206 |
| Retained earnings to average equity (ytd only) | 1.6674% | 4,055 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 88.8535% | 333 |
| Assets per employee ($millions) | 5.9120% | 2,837 |
| Cash dividends to net income (ytd only)* | 54.6875% | 1,181 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6533% | 4,283 |
| Loan loss allowance to noncurrent loans | 290.1639% | 2,229 |
| Noncurrent assets plus other real estate owned to assets | 0.1474% | 2,506 |
| Noncurrent loans to loans | 0.2252% | 2,367 |
| Net loans and leases to total assets | 65.0400% | 2,137 |
| Net loans and leases to deposits | 84.9482% | 1,393 |
| Net loans and leases to core deposits | 91.1045% | 1,451 |
| Total domestic deposits to total assets | 76.5600% | 4,216 |
| Equity capital to assets | 8.5178% | 2,695 |
| Core capital (leverage) ratio | 8.4797% | 4,141 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.9149% | 2,977 |
| Memoranda: | ||
| Average total assets | $40,967,400 | 4,518 |
| Average earning assets | $38,765,600 | 4,493 |
| Average equity | $3,478,400 | 4,573 |
| Average total loans | $25,194,800 | 4,324 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2128% | 3,405 |
| Cost of funding earning assets | 0.2583% | 2,626 |
| Net interest margin | 2.9545% | 3,346 |
| Noninterest income to average assets | 0.1800% | 4,105 |
| Noninterest expense to average assets | 2.6657% | 1,546 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.2920% | 4,388 |
| Return on assets (ROA) | 0.3132% | 4,325 |
| Pretax return on assets | 0.3361% | 4,344 |
| Return on Equity (ROE) | 3.6900% | 4,202 |
| Retained earnings to average equity (ytd only) | 1.0000% | 4,214 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 89.4852% | 335 |
| Assets per employee ($millions) | 5.9723% | 2,789 |
| Cash dividends to net income (ytd only)* | 72.9167% | 555 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6512% | 4,329 |
| Loan loss allowance to noncurrent loans | 232.8947% | 2,500 |
| Noncurrent assets plus other real estate owned to assets | 0.1818% | 2,383 |
| Noncurrent loans to loans | 0.2796% | 2,257 |
| Net loans and leases to total assets | 64.5900% | 2,027 |
| Net loans and leases to deposits | 88.9284% | 968 |
| Net loans and leases to core deposits | 91.8503% | 1,192 |
| Total domestic deposits to total assets | 72.6400% | 4,496 |
| Equity capital to assets | 8.3553% | 2,636 |
| Core capital (leverage) ratio | 8.4092% | 4,138 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.8011% | 3,068 |
| Memoranda: | ||
| Average total assets | $40,863,250 | 4,553 |
| Average earning assets | $38,719,250 | 4,524 |
| Average equity | $3,466,750 | 4,615 |
| Average total loans | $24,720,500 | 4,367 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0377% | 3,457 |
| Cost of funding earning assets | 0.2341% | 2,458 |
| Net interest margin | 2.8036% | 3,435 |
| Noninterest income to average assets | 0.1776% | 4,118 |
| Noninterest expense to average assets | 2.7868% | 1,198 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.0395% | 4,558 |
| Return on assets (ROA) | 0.0592% | 4,514 |
| Pretax return on assets | 0.0740% | 4,502 |
| Return on Equity (ROE) | 0.6940% | 4,496 |
| Retained earnings to average equity (ytd only) | -3.3545% | 4,474 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.2609% | 210 |
| Assets per employee ($millions) | 5.0736% | 3,617 |
| Cash dividends to net income (ytd only)* | 583.3333% | 11 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7010% | 4,333 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 61.7729% | 2,146 |
| Net loans and leases to deposits | 77.7723% | 1,558 |
| Net loans and leases to core deposits | 80.1566% | 1,706 |
| Total domestic deposits to total assets | 79.4279% | 4,271 |
| Equity capital to assets | 8.3988% | 2,837 |
| Core capital (leverage) ratio | 8.1888% | 4,197 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.9383% | 3,023 |
| Memoranda: | ||
| Average total assets | $40,549,000 | 4,604 |
| Average earning assets | $38,450,000 | 4,586 |
| Average equity | $3,458,000 | 4,659 |
| Average total loans | $23,900,333 | 4,434 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0448% | 3,121 |
| Cost of funding earning assets | 0.2398% | 2,266 |
| Net interest margin | 2.8049% | 3,122 |
| Noninterest income to average assets | 0.1678% | 4,162 |
| Noninterest expense to average assets | 2.5463% | 1,765 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.2763% | 4,185 |
| Return on assets (ROA) | 0.3060% | 4,101 |
| Pretax return on assets | 0.3060% | 4,179 |
| Return on Equity (ROE) | 3.5607% | 3,980 |
| Retained earnings to average equity (ytd only) | 3.5607% | 3,093 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.2098% | 539 |
| Assets per employee ($millions) | 5.1406% | 3,635 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7431% | 4,323 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 57.4881% | 2,357 |
| Net loans and leases to deposits | 71.4605% | 1,824 |
| Net loans and leases to core deposits | 73.5823% | 1,969 |
| Total domestic deposits to total assets | 80.4474% | 4,253 |
| Equity capital to assets | 8.5058% | 3,156 |
| Core capital (leverage) ratio | 8.4287% | 3,932 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7811% | 2,938 |
| Memoranda: | ||
| Average total assets | $40,529,000 | 4,630 |
| Average earning assets | $38,361,000 | 4,610 |
| Average equity | $3,482,500 | 4,688 |
| Average total loans | $23,225,500 | 4,460 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3265% | 3,128 |
| Cost of funding earning assets | 0.2744% | 2,659 |
| Net interest margin | 3.0520% | 3,047 |
| Noninterest income to average assets | 0.5771% | 2,249 |
| Noninterest expense to average assets | 3.0187% | 949 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.4057% | 4,268 |
| Return on assets (ROA) | 0.4622% | 4,205 |
| Pretax return on assets | 0.4935% | 4,269 |
| Return on Equity (ROE) | 5.0728% | 3,984 |
| Retained earnings to average equity (ytd only) | 2.9233% | 3,664 |
| Net charge-offs to loans | 0.0188% | 1,903 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 41.5000% | 1,414 |
| Efficiency ratio | 87.4433% | 409 |
| Assets per employee ($millions) | 4.9916% | 3,736 |
| Cash dividends to net income (ytd only)* | 42.3729% | 1,903 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7821% | 4,293 |
| Loan loss allowance to noncurrent loans | 1,180.0000% | 780 |
| Noncurrent assets plus other real estate owned to assets | 0.0376% | 3,756 |
| Noncurrent loans to loans | 0.0663% | 3,609 |
| Net loans and leases to total assets | 56.2317% | 2,575 |
| Net loans and leases to deposits | 74.8325% | 1,657 |
| Net loans and leases to core deposits | 77.2738% | 1,823 |
| Total domestic deposits to total assets | 75.1434% | 4,548 |
| Equity capital to assets | 8.6820% | 3,903 |
| Core capital (leverage) ratio | 8.8582% | 3,559 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5478% | 2,766 |
| Memoranda: | ||
| Average total assets | $38,294,800 | 4,678 |
| Average earning assets | $36,074,400 | 4,658 |
| Average equity | $3,489,200 | 4,742 |
| Average total loans | $21,236,400 | 4,547 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3813% | 3,154 |
| Cost of funding earning assets | 0.2874% | 2,720 |
| Net interest margin | 3.0939% | 3,068 |
| Noninterest income to average assets | 0.7074% | 1,803 |
| Noninterest expense to average assets | 2.7310% | 1,512 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.8681% | 3,330 |
| Return on assets (ROA) | 0.9432% | 3,190 |
| Pretax return on assets | 0.9713% | 3,541 |
| Return on Equity (ROE) | 10.2246% | 2,654 |
| Retained earnings to average equity (ytd only) | 7.3632% | 2,284 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.3398% | 1,087 |
| Assets per employee ($millions) | 4.7685% | 3,914 |
| Cash dividends to net income (ytd only)* | 27.9851% | 2,169 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8959% | 4,162 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 52.4877% | 3,144 |
| Net loans and leases to deposits | 65.2896% | 2,698 |
| Net loans and leases to core deposits | 66.7700% | 2,887 |
| Total domestic deposits to total assets | 80.3922% | 4,182 |
| Equity capital to assets | 9.3268% | 3,534 |
| Core capital (leverage) ratio | 9.2097% | 3,320 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $37,885,250 | 4,753 |
| Average earning assets | $35,725,250 | 4,733 |
| Average equity | $3,494,750 | 4,813 |
| Average total loans | $20,887,500 | 4,616 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3827% | 3,223 |
| Cost of funding earning assets | 0.2927% | 2,846 |
| Net interest margin | 3.0900% | 3,064 |
| Noninterest income to average assets | 0.9577% | 1,140 |
| Noninterest expense to average assets | 2.6933% | 1,604 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.1544% | 2,352 |
| Return on assets (ROA) | 1.2435% | 2,107 |
| Pretax return on assets | 1.2593% | 2,738 |
| Return on Equity (ROE) | 13.5304% | 1,558 |
| Retained earnings to average equity (ytd only) | 9.2122% | 1,643 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7260% | 1,678 |
| Assets per employee ($millions) | 4.8405% | 3,794 |
| Cash dividends to net income (ytd only)* | 31.9149% | 1,971 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8989% | 4,155 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 51.5314% | 3,391 |
| Net loans and leases to deposits | 63.4237% | 3,059 |
| Net loans and leases to core deposits | 64.8226% | 3,206 |
| Total domestic deposits to total assets | 81.2494% | 4,055 |
| Equity capital to assets | 9.1029% | 3,709 |
| Core capital (leverage) ratio | 9.1213% | 3,322 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $37,797,667 | 4,784 |
| Average earning assets | $35,533,667 | 4,761 |
| Average equity | $3,473,667 | 4,850 |
| Average total loans | $21,115,333 | 4,643 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6471% | 2,505 |
| Cost of funding earning assets | 0.3077% | 2,913 |
| Net interest margin | 3.3394% | 2,278 |
| Noninterest income to average assets | 1.1571% | 909 |
| Noninterest expense to average assets | 2.5499% | 2,028 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.7464% | 869 |
| Return on assets (ROA) | 1.7785% | 872 |
| Pretax return on assets | 1.7785% | 1,332 |
| Return on Equity (ROE) | 19.2575% | 595 |
| Retained earnings to average equity (ytd only) | 19.2575% | 301 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3516% | 3,107 |
| Assets per employee ($millions) | 4.8325% | 3,826 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8516% | 4,289 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 54.5085% | 3,193 |
| Net loans and leases to deposits | 66.5309% | 2,862 |
| Net loans and leases to core deposits | 67.9862% | 3,062 |
| Total domestic deposits to total assets | 81.9296% | 3,907 |
| Equity capital to assets | 9.1335% | 3,558 |
| Core capital (leverage) ratio | 9.4022% | 3,147 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0436% | 2,275 |
| Memoranda: | ||
| Average total assets | $37,334,500 | 4,811 |
| Average earning assets | $35,096,500 | 4,785 |
| Average equity | $3,448,000 | 4,874 |
| Average total loans | $21,605,000 | 4,662 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0035% | 2,715 |
| Cost of funding earning assets | 0.4731% | 3,128 |
| Net interest margin | 3.5304% | 2,370 |
| Noninterest income to average assets | 0.1663% | 4,460 |
| Noninterest expense to average assets | 3.0540% | 1,318 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.4107% | 4,225 |
| Return on assets (ROA) | 0.4351% | 4,254 |
| Pretax return on assets | 0.4462% | 4,356 |
| Return on Equity (ROE) | 4.6902% | 3,978 |
| Retained earnings to average equity (ytd only) | 4.6902% | 2,427 |
| Net charge-offs to loans | -0.1027% | 4,818 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.8788% | 453 |
| Assets per employee ($millions) | 4.5011% | 3,915 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8244% | 4,369 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 60.4710% | 2,793 |
| Net loans and leases to deposits | 75.5237% | 2,329 |
| Net loans and leases to core deposits | 77.3342% | 2,612 |
| Total domestic deposits to total assets | 80.0689% | 4,031 |
| Equity capital to assets | 9.3449% | 3,747 |
| Core capital (leverage) ratio | 9.4079% | 3,222 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4232% | 2,479 |
| Memoranda: | ||
| Average total assets | $36,084,200 | 4,817 |
| Average earning assets | $33,820,400 | 4,799 |
| Average equity | $3,347,400 | 4,891 |
| Average total loans | $22,399,600 | 4,670 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1324% | 2,580 |
| Cost of funding earning assets | 0.5017% | 3,209 |
| Net interest margin | 3.6307% | 2,159 |
| Noninterest income to average assets | 0.1625% | 4,484 |
| Noninterest expense to average assets | 2.5962% | 2,538 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.9602% | 2,489 |
| Return on assets (ROA) | 0.9897% | 2,508 |
| Pretax return on assets | 0.9897% | 3,107 |
| Return on Equity (ROE) | 10.6887% | 1,787 |
| Retained earnings to average equity (ytd only) | 10.6887% | 630 |
| Net charge-offs to loans | -0.1362% | 4,874 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0010% | 1,526 |
| Assets per employee ($millions) | 4.4259% | 3,928 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8405% | 4,253 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 60.3073% | 3,196 |
| Net loans and leases to deposits | 75.9650% | 2,754 |
| Net loans and leases to core deposits | 79.2319% | 2,907 |
| Total domestic deposits to total assets | 79.3883% | 3,984 |
| Equity capital to assets | 9.8173% | 3,409 |
| Core capital (leverage) ratio | 9.9699% | 2,751 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9479% | 2,227 |
| Memoranda: | ||
| Average total assets | $36,103,000 | 4,844 |
| Average earning assets | $33,748,750 | 4,827 |
| Average equity | $3,343,000 | 4,919 |
| Average total loans | $22,510,500 | 4,695 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1181% | 3,004 |
| Cost of funding earning assets | 0.5287% | 3,360 |
| Net interest margin | 3.5894% | 2,518 |
| Noninterest income to average assets | 0.1486% | 4,566 |
| Noninterest expense to average assets | 2.5815% | 2,728 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.9302% | 2,579 |
| Return on assets (ROA) | 0.9578% | 2,591 |
| Pretax return on assets | 0.9578% | 3,159 |
| Return on Equity (ROE) | 10.5497% | 1,794 |
| Retained earnings to average equity (ytd only) | 10.5497% | 683 |
| Net charge-offs to loans | -0.2014% | 4,940 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5110% | 1,510 |
| Assets per employee ($millions) | 5.4134% | 2,724 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7375% | 4,495 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 57.5421% | 3,550 |
| Net loans and leases to deposits | 71.9305% | 3,268 |
| Net loans and leases to core deposits | 73.5190% | 3,488 |
| Total domestic deposits to total assets | 79.9968% | 3,832 |
| Equity capital to assets | 8.9249% | 4,151 |
| Core capital (leverage) ratio | 9.5658% | 3,273 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3829% | 2,861 |
| Memoranda: | ||
| Average total assets | $36,335,000 | 4,860 |
| Average earning assets | $34,045,000 | 4,840 |
| Average equity | $3,298,667 | 4,953 |
| Average total loans | $22,836,000 | 4,714 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4444% | 2,462 |
| Cost of funding earning assets | 0.6022% | 3,422 |
| Net interest margin | 3.8422% | 1,838 |
| Noninterest income to average assets | 0.1688% | 4,526 |
| Noninterest expense to average assets | 2.6888% | 2,740 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.0688% | 1,940 |
| Return on assets (ROA) | 1.1025% | 1,932 |
| Pretax return on assets | 1.1025% | 2,515 |
| Return on Equity (ROE) | 12.0356% | 1,094 |
| Retained earnings to average equity (ytd only) | 12.0356% | 426 |
| Net charge-offs to loans | -0.3782% | 5,002 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5569% | 2,152 |
| Assets per employee ($millions) | 4.4593% | 3,324 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7089% | 4,595 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 63.2113% | 3,166 |
| Net loans and leases to deposits | 79.8937% | 2,691 |
| Net loans and leases to core deposits | 84.9053% | 2,771 |
| Total domestic deposits to total assets | 79.1192% | 4,027 |
| Equity capital to assets | 9.2673% | 4,416 |
| Core capital (leverage) ratio | 9.3440% | 4,141 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $35,555,500 | 4,904 |
| Average earning assets | $33,210,000 | 4,885 |
| Average equity | $3,257,000 | 5,004 |
| Average total loans | $23,270,500 | 4,738 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4242% | 3,178 |
| Cost of funding earning assets | 0.6825% | 3,248 |
| Net interest margin | 3.7417% | 2,689 |
| Noninterest income to average assets | 0.2409% | 4,237 |
| Noninterest expense to average assets | 3.3372% | 1,232 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.3918% | 4,607 |
| Return on assets (ROA) | 0.4179% | 4,599 |
| Pretax return on assets | 0.4643% | 4,627 |
| Return on Equity (ROE) | 4.4387% | 4,358 |
| Retained earnings to average equity (ytd only) | 0.7398% | 4,479 |
| Net charge-offs to loans | 0.5514% | 333 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 1.1538% | 3,568 |
| Efficiency ratio | 88.4615% | 415 |
| Assets per employee ($millions) | 4.4296% | 3,331 |
| Cash dividends to net income (ytd only)* | 83.3333% | 701 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5833% | 4,772 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 66.8539% | 2,855 |
| Net loans and leases to deposits | 90.1484% | 1,571 |
| Net loans and leases to core deposits | 97.2178% | 1,797 |
| Total domestic deposits to total assets | 74.1598% | 4,764 |
| Equity capital to assets | 9.0527% | 4,660 |
| Core capital (leverage) ratio | 9.3438% | 4,233 |
| Tier 1 risk-based capital ratio | 10.6738% | 4,964 |
| Total risk-based capital ratio | 11.1363% | 5,098 |
| Memoranda: | ||
| Average total assets | $34,460,200 | 4,970 |
| Average earning assets | $32,525,400 | 4,954 |
| Average equity | $3,244,200 | 5,059 |
| Average total loans | $23,575,000 | 4,790 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5086% | 3,031 |
| Cost of funding earning assets | 0.6705% | 3,350 |
| Net interest margin | 3.8381% | 2,476 |
| Noninterest income to average assets | 0.2416% | 4,292 |
| Noninterest expense to average assets | 3.0472% | 1,840 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.7871% | 3,711 |
| Return on assets (ROA) | 0.7871% | 3,781 |
| Pretax return on assets | 0.8300% | 4,052 |
| Return on Equity (ROE) | 8.2788% | 3,202 |
| Retained earnings to average equity (ytd only) | 3.3606% | 3,721 |
| Net charge-offs to loans | 0.7372% | 216 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 1.6384% | 3,271 |
| Efficiency ratio | 78.5930% | 1,046 |
| Assets per employee ($millions) | 4.1789% | 3,649 |
| Cash dividends to net income (ytd only)* | 59.4067% | 1,307 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6042% | 4,814 |
| Loan loss allowance to noncurrent loans | 13,900.0000% | 66 |
| Noncurrent assets plus other real estate owned to assets | 0.0030% | 4,762 |
| Noncurrent loans to loans | 0.0043% | 4,671 |
| Net loans and leases to total assets | 68.4006% | 2,731 |
| Net loans and leases to deposits | 88.1840% | 1,908 |
| Net loans and leases to core deposits | 95.0969% | 2,079 |
| Total domestic deposits to total assets | 77.5657% | 4,433 |
| Equity capital to assets | 9.7694% | 4,239 |
| Core capital (leverage) ratio | 9.7837% | 3,875 |
| Tier 1 risk-based capital ratio | 11.8699% | 4,480 |
| Total risk-based capital ratio | 12.3751% | 4,742 |
| Memoranda: | ||
| Average total assets | $34,216,000 | 5,047 |
| Average earning assets | $32,411,250 | 5,030 |
| Average equity | $3,253,250 | 5,132 |
| Average total loans | $23,511,250 | 4,861 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3160% | 3,593 |
| Cost of funding earning assets | 0.6734% | 3,308 |
| Net interest margin | 3.6426% | 3,123 |
| Noninterest income to average assets | 0.2378% | 4,331 |
| Noninterest expense to average assets | 2.5582% | 3,311 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.0920% | 2,556 |
| Return on assets (ROA) | 1.1370% | 2,459 |
| Pretax return on assets | 1.1776% | 2,990 |
| Return on Equity (ROE) | 12.0653% | 1,554 |
| Retained earnings to average equity (ytd only) | 4.6784% | 2,934 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3396% | 2,324 |
| Assets per employee ($millions) | 4.3279% | 3,399 |
| Cash dividends to net income (ytd only)* | 61.2245% | 1,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7129% | 4,684 |
| Loan loss allowance to noncurrent loans | 131.0078% | 2,866 |
| Noncurrent assets plus other real estate owned to assets | 0.3726% | 3,020 |
| Noncurrent loans to loans | 0.5441% | 2,638 |
| Net loans and leases to total assets | 67.9837% | 2,817 |
| Net loans and leases to deposits | 82.0082% | 2,733 |
| Net loans and leases to core deposits | 87.7465% | 2,824 |
| Total domestic deposits to total assets | 82.8987% | 3,240 |
| Equity capital to assets | 9.4157% | 4,484 |
| Core capital (leverage) ratio | 9.3201% | 4,343 |
| Tier 1 risk-based capital ratio | 10.9539% | 4,932 |
| Total risk-based capital ratio | 11.5218% | 5,105 |
| Memoranda: | ||
| Average total assets | $34,477,670 | 5,088 |
| Average earning assets | $32,669,000 | 5,065 |
| Average equity | $3,249,000 | 5,174 |
| Average total loans | $23,679,670 | 4,895 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4431% | 3,076 |
| Cost of funding earning assets | 0.6137% | 3,495 |
| Net interest margin | 3.8295% | 2,421 |
| Noninterest income to average assets | 0.2209% | 4,426 |
| Noninterest expense to average assets | 2.5229% | 3,436 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.3254% | 1,612 |
| Return on assets (ROA) | 1.3835% | 1,459 |
| Pretax return on assets | 1.3835% | 2,143 |
| Return on Equity (ROE) | 14.6755% | 820 |
| Retained earnings to average equity (ytd only) | 14.6755% | 302 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5589% | 3,001 |
| Assets per employee ($millions) | 5.0150% | 2,499 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7060% | 4,770 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 67.7112% | 2,796 |
| Net loans and leases to deposits | 88.9463% | 1,752 |
| Net loans and leases to core deposits | 91.9607% | 2,301 |
| Total domestic deposits to total assets | 76.1259% | 4,743 |
| Equity capital to assets | 9.4089% | 4,335 |
| Core capital (leverage) ratio | 9.4867% | 4,145 |
| Tier 1 risk-based capital ratio | 10.9669% | 4,991 |
| Total risk-based capital ratio | 11.5280% | 5,167 |
| Memoranda: | ||
| Average total assets | $34,405,000 | 5,140 |
| Average earning assets | $32,589,500 | 5,122 |
| Average equity | $3,243,500 | 5,230 |
| Average total loans | $23,666,000 | 4,955 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9683% | 4,115 |
| Cost of funding earning assets | 0.4761% | 3,508 |
| Net interest margin | 3.4923% | 3,728 |
| Noninterest income to average assets | 0.2519% | 4,418 |
| Noninterest expense to average assets | 2.5899% | 3,366 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.8909% | 3,466 |
| Return on assets (ROA) | 0.9127% | 3,384 |
| Pretax return on assets | 0.9897% | 3,642 |
| Return on Equity (ROE) | 9.9208% | 2,550 |
| Retained earnings to average equity (ytd only) | 3.4787% | 3,673 |
| Net charge-offs to loans | -0.0087% | 4,458 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8333% | 1,790 |
| Assets per employee ($millions) | 4.8150% | 2,716 |
| Cash dividends to net income (ytd only)* | 64.9351% | 1,276 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7224% | 4,755 |
| Loan loss allowance to noncurrent loans | 170.7071% | 2,495 |
| Noncurrent assets plus other real estate owned to assets | 0.2937% | 3,402 |
| Noncurrent loans to loans | 0.4232% | 3,025 |
| Net loans and leases to total assets | 68.9037% | 2,744 |
| Net loans and leases to deposits | 93.1046% | 1,387 |
| Net loans and leases to core deposits | 96.6217% | 2,003 |
| Total domestic deposits to total assets | 74.0068% | 4,949 |
| Equity capital to assets | 9.4467% | 4,171 |
| Core capital (leverage) ratio | 9.2768% | 4,377 |
| Tier 1 risk-based capital ratio | 10.7148% | 5,106 |
| Total risk-based capital ratio | 11.2835% | 5,246 |
| Memoranda: | ||
| Average total assets | $33,746,000 | 5,196 |
| Average earning assets | $31,927,800 | 5,169 |
| Average equity | $3,104,600 | 5,274 |
| Average total loans | $23,042,000 | 5,000 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8754% | 4,266 |
| Cost of funding earning assets | 0.4009% | 3,850 |
| Net interest margin | 3.4745% | 3,784 |
| Noninterest income to average assets | 0.2528% | 4,458 |
| Noninterest expense to average assets | 2.5832% | 3,334 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.8711% | 3,656 |
| Return on assets (ROA) | 0.8927% | 3,570 |
| Pretax return on assets | 0.9796% | 3,777 |
| Return on Equity (ROE) | 9.7684% | 2,721 |
| Retained earnings to average equity (ytd only) | 1.1239% | 4,822 |
| Net charge-offs to loans | -0.0116% | 4,441 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9911% | 1,733 |
| Assets per employee ($millions) | 4.9727% | 2,501 |
| Cash dividends to net income (ytd only)* | 88.4943% | 408 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7186% | 4,838 |
| Loan loss allowance to noncurrent loans | 69.8347% | 3,999 |
| Noncurrent assets plus other real estate owned to assets | 0.6952% | 2,116 |
| Noncurrent loans to loans | 1.0290% | 1,667 |
| Net loans and leases to total assets | 67.0775% | 3,063 |
| Net loans and leases to deposits | 94.2062% | 1,364 |
| Net loans and leases to core deposits | 98.7649% | 1,883 |
| Total domestic deposits to total assets | 71.2028% | 5,171 |
| Equity capital to assets | 8.9144% | 4,623 |
| Core capital (leverage) ratio | 9.1957% | 4,517 |
| Tier 1 risk-based capital ratio | 10.4218% | 5,267 |
| Total risk-based capital ratio | 10.9895% | 5,390 |
| Memoranda: | ||
| Average total assets | $33,756,250 | 5,263 |
| Average earning assets | $31,927,000 | 5,236 |
| Average equity | $3,084,750 | 5,343 |
| Average total loans | $22,954,250 | 5,064 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8177% | 4,304 |
| Cost of funding earning assets | 0.3413% | 4,127 |
| Net interest margin | 3.4764% | 3,713 |
| Noninterest income to average assets | 0.2515% | 4,505 |
| Noninterest expense to average assets | 2.7421% | 2,873 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.7034% | 4,187 |
| Return on assets (ROA) | 0.7244% | 4,129 |
| Pretax return on assets | 0.8262% | 4,173 |
| Return on Equity (ROE) | 7.8605% | 3,561 |
| Retained earnings to average equity (ytd only) | -5.1321% | 5,300 |
| Net charge-offs to loans | -0.0176% | 4,510 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.3649% | 1,263 |
| Assets per employee ($millions) | 4.6697% | 2,856 |
| Cash dividends to net income (ytd only)* | 165.2893% | 99 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7680% | 4,792 |
| Loan loss allowance to noncurrent loans | 68.9796% | 4,019 |
| Noncurrent assets plus other real estate owned to assets | 0.7495% | 1,990 |
| Noncurrent loans to loans | 1.1134% | 1,578 |
| Net loans and leases to total assets | 66.8013% | 3,044 |
| Net loans and leases to deposits | 84.2991% | 2,503 |
| Net loans and leases to core deposits | 88.1835% | 2,701 |
| Total domestic deposits to total assets | 79.2431% | 4,384 |
| Equity capital to assets | 9.1716% | 4,408 |
| Core capital (leverage) ratio | 9.1291% | 4,541 |
| Tier 1 risk-based capital ratio | 10.8880% | 5,114 |
| Total risk-based capital ratio | 11.5017% | 5,279 |
| Memoranda: | ||
| Average total assets | $33,405,330 | 5,331 |
| Average earning assets | $31,642,000 | 5,307 |
| Average equity | $3,078,670 | 5,408 |
| Average total loans | $22,766,330 | 5,130 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9582% | 3,763 |
| Cost of funding earning assets | 0.3006% | 4,351 |
| Net interest margin | 3.6575% | 2,962 |
| Noninterest income to average assets | 0.1777% | 4,961 |
| Noninterest expense to average assets | 2.6537% | 3,181 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.9833% | 2,921 |
| Return on assets (ROA) | 1.0188% | 2,804 |
| Pretax return on assets | 1.0188% | 3,469 |
| Return on Equity (ROE) | 11.0292% | 1,956 |
| Retained earnings to average equity (ytd only) | 11.0292% | 889 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9642% | 2,045 |
| Assets per employee ($millions) | 4.8120% | 2,721 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7208% | 4,982 |
| Loan loss allowance to noncurrent loans | 153.2110% | 2,710 |
| Noncurrent assets plus other real estate owned to assets | 0.3236% | 3,538 |
| Noncurrent loans to loans | 0.4705% | 3,116 |
| Net loans and leases to total assets | 68.2846% | 2,729 |
| Net loans and leases to deposits | 84.5625% | 2,334 |
| Net loans and leases to core deposits | 89.8126% | 2,468 |
| Total domestic deposits to total assets | 80.7505% | 4,258 |
| Equity capital to assets | 9.3872% | 4,197 |
| Core capital (leverage) ratio | 9.4388% | 4,141 |
| Tier 1 risk-based capital ratio | 11.3139% | 4,971 |
| Total risk-based capital ratio | 11.9114% | 5,196 |
| Memoranda: | ||
| Average total assets | $33,764,000 | 5,381 |
| Average earning assets | $31,934,000 | 5,352 |
| Average equity | $3,119,000 | 5,462 |
| Average total loans | $23,147,000 | 5,168 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7439% | 4,235 |
| Cost of funding earning assets | 0.3034% | 4,108 |
| Net interest margin | 3.4405% | 3,724 |
| Noninterest income to average assets | 0.1951% | 4,975 |
| Noninterest expense to average assets | 2.4357% | 3,973 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.9936% | 2,277 |
| Return on assets (ROA) | 1.0109% | 2,227 |
| Pretax return on assets | 1.0287% | 3,464 |
| Return on Equity (ROE) | 11.7107% | 1,287 |
| Retained earnings to average equity (ytd only) | 10.6835% | 276 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6690% | 2,444 |
| Assets per employee ($millions) | 4.8349% | 2,691 |
| Cash dividends to net income (ytd only)* | 8.7719% | 3,965 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7221% | 5,025 |
| Loan loss allowance to noncurrent loans | 127.4809% | 3,114 |
| Noncurrent assets plus other real estate owned to assets | 0.3871% | 3,312 |
| Noncurrent loans to loans | 0.5665% | 2,803 |
| Net loans and leases to total assets | 67.8377% | 2,839 |
| Net loans and leases to deposits | 86.2666% | 2,228 |
| Net loans and leases to core deposits | 90.7040% | 2,488 |
| Total domestic deposits to total assets | 78.6373% | 4,617 |
| Equity capital to assets | 9.0888% | 4,628 |
| Core capital (leverage) ratio | 9.3416% | 4,240 |
| Tier 1 risk-based capital ratio | 10.9979% | 5,151 |
| Total risk-based capital ratio | 11.5950% | 5,350 |
| Memoranda: | ||
| Average total assets | $33,829,600 | 5,433 |
| Average earning assets | $31,972,000 | 5,407 |
| Average equity | $2,920,400 | 5,539 |
| Average total loans | $21,937,800 | 5,260 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7541% | 4,161 |
| Cost of funding earning assets | 0.2955% | 4,173 |
| Net interest margin | 3.4585% | 3,643 |
| Noninterest income to average assets | 0.1971% | 5,021 |
| Noninterest expense to average assets | 2.3926% | 4,036 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.0645% | 2,258 |
| Return on assets (ROA) | 1.0879% | 2,201 |
| Pretax return on assets | 1.1036% | 3,286 |
| Return on Equity (ROE) | 12.7708% | 1,106 |
| Retained earnings to average equity (ytd only) | 11.3826% | 357 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8990% | 2,724 |
| Assets per employee ($millions) | 4.6884% | 2,851 |
| Cash dividends to net income (ytd only)* | 10.8699% | 3,443 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7427% | 5,039 |
| Loan loss allowance to noncurrent loans | 117.6056% | 3,264 |
| Noncurrent assets plus other real estate owned to assets | 0.4327% | 3,299 |
| Noncurrent loans to loans | 0.6315% | 2,811 |
| Net loans and leases to total assets | 68.0033% | 2,846 |
| Net loans and leases to deposits | 91.1571% | 1,667 |
| Net loans and leases to core deposits | 94.1886% | 2,261 |
| Total domestic deposits to total assets | 74.6001% | 5,172 |
| Equity capital to assets | 9.1715% | 4,751 |
| Core capital (leverage) ratio | 9.1331% | 4,592 |
| Tier 1 risk-based capital ratio | 10.8751% | 5,307 |
| Total risk-based capital ratio | 11.4784% | 5,485 |
| Memoranda: | ||
| Average total assets | $33,826,000 | 5,495 |
| Average earning assets | $32,035,750 | 5,461 |
| Average equity | $2,881,500 | 5,603 |
| Average total loans | $21,640,750 | 5,317 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6528% | 4,359 |
| Cost of funding earning assets | 0.3090% | 3,993 |
| Net interest margin | 3.3437% | 3,973 |
| Noninterest income to average assets | 0.1873% | 5,113 |
| Noninterest expense to average assets | 2.3769% | 4,125 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.9718% | 2,561 |
| Return on assets (ROA) | 0.9718% | 2,606 |
| Pretax return on assets | 0.9777% | 3,646 |
| Return on Equity (ROE) | 11.6956% | 1,389 |
| Retained earnings to average equity (ytd only) | 9.5820% | 681 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8551% | 2,530 |
| Assets per employee ($millions) | 4.7747% | 2,683 |
| Cash dividends to net income (ytd only)* | 18.0723% | 3,184 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7545% | 5,066 |
| Loan loss allowance to noncurrent loans | 96.5318% | 3,633 |
| Noncurrent assets plus other real estate owned to assets | 0.5176% | 3,042 |
| Noncurrent loans to loans | 0.7816% | 2,452 |
| Net loans and leases to total assets | 65.7242% | 3,144 |
| Net loans and leases to deposits | 82.9476% | 2,604 |
| Net loans and leases to core deposits | 85.4814% | 2,933 |
| Total domestic deposits to total assets | 79.2359% | 4,579 |
| Equity capital to assets | 8.6767% | 5,170 |
| Core capital (leverage) ratio | 8.5591% | 5,175 |
| Tier 1 risk-based capital ratio | 10.6219% | 5,413 |
| Total risk-based capital ratio | 11.2336% | 5,590 |
| Memoranda: | ||
| Average total assets | $34,161,670 | 5,536 |
| Average earning assets | $32,359,000 | 5,500 |
| Average equity | $2,838,670 | 5,652 |
| Average total loans | $21,359,330 | 5,368 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6435% | 4,297 |
| Cost of funding earning assets | 0.2934% | 4,111 |
| Net interest margin | 3.3501% | 3,846 |
| Noninterest income to average assets | 0.1622% | 5,306 |
| Noninterest expense to average assets | 2.3283% | 4,328 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.0078% | 2,272 |
| Return on assets (ROA) | 1.0078% | 2,322 |
| Pretax return on assets | 1.0078% | 3,335 |
| Return on Equity (ROE) | 12.3932% | 1,140 |
| Retained earnings to average equity (ytd only) | 12.3932% | 436 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7917% | 2,927 |
| Assets per employee ($millions) | 4.9609% | 2,493 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7765% | 5,117 |
| Loan loss allowance to noncurrent loans | 115.1724% | 3,367 |
| Noncurrent assets plus other real estate owned to assets | 0.4176% | 3,511 |
| Noncurrent loans to loans | 0.6742% | 2,829 |
| Net loans and leases to total assets | 61.4496% | 3,606 |
| Net loans and leases to deposits | 79.5845% | 2,802 |
| Net loans and leases to core deposits | 81.9848% | 3,098 |
| Total domestic deposits to total assets | 77.2130% | 5,090 |
| Equity capital to assets | 8.2100% | 5,409 |
| Core capital (leverage) ratio | 8.2762% | 5,394 |
| Tier 1 risk-based capital ratio | 10.9852% | 5,317 |
| Total risk-based capital ratio | 11.6287% | 5,518 |
| Memoranda: | ||
| Average total assets | $34,531,000 | 5,587 |
| Average earning assets | $32,715,500 | 5,562 |
| Average equity | $2,808,000 | 5,716 |
| Average total loans | $20,972,000 | 5,435 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3796% | 5,023 |
| Cost of funding earning assets | 0.2549% | 4,522 |
| Net interest margin | 3.1247% | 4,655 |
| Noninterest income to average assets | 0.2171% | 5,114 |
| Noninterest expense to average assets | 2.7228% | 3,269 |
| Loan and lease loss provision to assets | 0.0587% | 3,214 |
| Net operating income to assets | 0.3345% | 5,132 |
| Return on assets (ROA) | 0.3345% | 5,204 |
| Pretax return on assets | 0.3492% | 5,300 |
| Return on Equity (ROE) | 4.1518% | 4,783 |
| Retained earnings to average equity (ytd only) | 4.1518% | 2,949 |
| Net charge-offs to loans | 0.1028% | 2,242 |
| Credit loss provision to net charge-offs | 100.0000% | 2,563 |
| Earnings coverage of net charge-offs (x) | 6.9500% | 3,095 |
| Efficiency ratio | 86.9728% | 757 |
| Assets per employee ($millions) | 4.9051% | 2,501 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8171% | 5,061 |
| Loan loss allowance to noncurrent loans | 150.4505% | 2,807 |
| Noncurrent assets plus other real estate owned to assets | 0.3233% | 3,983 |
| Noncurrent loans to loans | 0.5431% | 3,221 |
| Net loans and leases to total assets | 59.0372% | 3,959 |
| Net loans and leases to deposits | 76.4165% | 3,274 |
| Net loans and leases to core deposits | 79.6221% | 3,428 |
| Total domestic deposits to total assets | 77.2571% | 5,079 |
| Equity capital to assets | 8.0528% | 5,536 |
| Core capital (leverage) ratio | 8.1660% | 5,522 |
| Tier 1 risk-based capital ratio | 11.0666% | 5,305 |
| Total risk-based capital ratio | 11.7350% | 5,513 |
| Memoranda: | ||
| Average total assets | $34,082,200 | 5,648 |
| Average earning assets | $31,778,800 | 5,633 |
| Average equity | $2,745,800 | 5,778 |
| Average total loans | $19,447,800 | 5,537 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4188% | 4,987 |
| Cost of funding earning assets | 0.2529% | 4,579 |
| Net interest margin | 3.1658% | 4,587 |
| Noninterest income to average assets | 0.2038% | 5,252 |
| Noninterest expense to average assets | 2.3869% | 4,317 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.7525% | 3,595 |
| Return on assets (ROA) | 0.7525% | 3,725 |
| Pretax return on assets | 0.7603% | 4,439 |
| Return on Equity (ROE) | 9.3393% | 2,342 |
| Retained earnings to average equity (ytd only) | 9.3393% | 724 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.8406% | 1,998 |
| Assets per employee ($millions) | 4.7696% | 2,656 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8510% | 5,035 |
| Loan loss allowance to noncurrent loans | 74.2222% | 4,173 |
| Noncurrent assets plus other real estate owned to assets | 0.6739% | 2,887 |
| Noncurrent loans to loans | 1.1465% | 1,962 |
| Net loans and leases to total assets | 58.2802% | 4,073 |
| Net loans and leases to deposits | 79.8867% | 2,979 |
| Net loans and leases to core deposits | 83.5251% | 3,176 |
| Total domestic deposits to total assets | 72.9535% | 5,528 |
| Equity capital to assets | 8.5153% | 5,520 |
| Core capital (leverage) ratio | 8.4754% | 5,381 |
| Tier 1 risk-based capital ratio | 10.9069% | 5,422 |
| Total risk-based capital ratio | 11.5476% | 5,632 |
| Memoranda: | ||
| Average total assets | $34,018,750 | 5,709 |
| Average earning assets | $31,628,500 | 5,695 |
| Average equity | $2,741,000 | 5,843 |
| Average total loans | $19,200,250 | 5,598 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3500% | 5,184 |
| Cost of funding earning assets | 0.2533% | 4,624 |
| Net interest margin | 3.0967% | 4,841 |
| Noninterest income to average assets | 0.1928% | 5,341 |
| Noninterest expense to average assets | 2.4190% | 4,275 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.6310% | 4,140 |
| Return on assets (ROA) | 0.6310% | 4,275 |
| Pretax return on assets | 0.6310% | 4,813 |
| Return on Equity (ROE) | 7.9793% | 2,986 |
| Retained earnings to average equity (ytd only) | 7.9793% | 1,172 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.3103% | 1,588 |
| Assets per employee ($millions) | 4.7344% | 2,654 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8726% | 5,039 |
| Loan loss allowance to noncurrent loans | 73.8938% | 4,271 |
| Noncurrent assets plus other real estate owned to assets | 0.6819% | 2,949 |
| Noncurrent loans to loans | 1.1809% | 1,947 |
| Net loans and leases to total assets | 57.2433% | 4,194 |
| Net loans and leases to deposits | 75.5967% | 3,426 |
| Net loans and leases to core deposits | 78.9274% | 3,560 |
| Total domestic deposits to total assets | 75.7219% | 5,319 |
| Equity capital to assets | 8.3250% | 5,684 |
| Core capital (leverage) ratio | 8.3070% | 5,529 |
| Tier 1 risk-based capital ratio | 11.8938% | 4,900 |
| Total risk-based capital ratio | 12.6137% | 5,138 |
| Memoranda: | ||
| Average total assets | $34,229,330 | 5,774 |
| Average earning assets | $31,581,670 | 5,763 |
| Average equity | $2,707,000 | 5,918 |
| Average total loans | $19,058,670 | 5,665 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3833% | 5,162 |
| Cost of funding earning assets | 0.2525% | 4,678 |
| Net interest margin | 3.1308% | 4,778 |
| Noninterest income to average assets | 0.1956% | 5,337 |
| Noninterest expense to average assets | 2.3351% | 4,562 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.7132% | 3,646 |
| Return on assets (ROA) | 0.7132% | 3,766 |
| Pretax return on assets | 0.7132% | 4,482 |
| Return on Equity (ROE) | 9.2503% | 2,305 |
| Retained earnings to average equity (ytd only) | 9.2503% | 1,037 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6038% | 2,094 |
| Assets per employee ($millions) | 4.7947% | 2,599 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8667% | 5,164 |
| Loan loss allowance to noncurrent loans | 92.7778% | 3,798 |
| Noncurrent assets plus other real estate owned to assets | 0.5363% | 3,470 |
| Noncurrent loans to loans | 0.9341% | 2,513 |
| Net loans and leases to total assets | 56.9139% | 4,154 |
| Net loans and leases to deposits | 76.3652% | 3,178 |
| Net loans and leases to core deposits | 79.7379% | 3,342 |
| Total domestic deposits to total assets | 74.5285% | 5,564 |
| Equity capital to assets | 8.0803% | 5,792 |
| Core capital (leverage) ratio | 7.9885% | 5,775 |
| Tier 1 risk-based capital ratio | 11.6051% | 5,168 |
| Total risk-based capital ratio | 12.3197% | 5,376 |
| Memoranda: | ||
| Average total assets | $34,773,500 | 5,824 |
| Average earning assets | $31,685,000 | 5,820 |
| Average equity | $2,681,000 | 5,974 |
| Average total loans | $19,019,000 | 5,718 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3943% | 5,170 |
| Cost of funding earning assets | 0.2230% | 5,063 |
| Net interest margin | 3.1713% | 4,710 |
| Noninterest income to average assets | 0.2276% | 5,233 |
| Noninterest expense to average assets | 2.8977% | 2,866 |
| Loan and lease loss provision to assets | 0.0152% | 4,106 |
| Net operating income to assets | 0.2293% | 5,517 |
| Return on assets (ROA) | 0.2488% | 5,554 |
| Pretax return on assets | 0.2700% | 5,583 |
| Return on Equity (ROE) | 3.0846% | 5,276 |
| Retained earnings to average equity (ytd only) | 3.0846% | 3,861 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.6507% | 588 |
| Assets per employee ($millions) | 5.1406% | 2,189 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8898% | 5,120 |
| Loan loss allowance to noncurrent loans | 115.9722% | 3,345 |
| Noncurrent assets plus other real estate owned to assets | 0.4002% | 4,000 |
| Noncurrent loans to loans | 0.7672% | 2,872 |
| Net loans and leases to total assets | 51.6952% | 4,717 |
| Net loans and leases to deposits | 68.4123% | 4,093 |
| Net loans and leases to core deposits | 71.1929% | 4,201 |
| Total domestic deposits to total assets | 75.5641% | 5,493 |
| Equity capital to assets | 7.3644% | 6,001 |
| Core capital (leverage) ratio | 8.0347% | 5,822 |
| Tier 1 risk-based capital ratio | 11.2203% | 5,414 |
| Total risk-based capital ratio | 11.9273% | 5,605 |
| Memoranda: | ||
| Average total assets | $32,957,200 | 5,913 |
| Average earning assets | $30,492,400 | 5,893 |
| Average equity | $2,658,400 | 6,037 |
| Average total loans | $17,615,800 | 5,805 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3759% | 5,257 |
| Cost of funding earning assets | 0.2251% | 5,135 |
| Net interest margin | 3.1508% | 4,818 |
| Noninterest income to average assets | 0.2236% | 5,316 |
| Noninterest expense to average assets | 2.3850% | 4,552 |
| Loan and lease loss provision to assets | 0.0207% | 3,860 |
| Net operating income to assets | 0.7582% | 3,644 |
| Return on assets (ROA) | 0.7784% | 3,619 |
| Pretax return on assets | 0.7950% | 4,354 |
| Return on Equity (ROE) | 9.4215% | 2,341 |
| Retained earnings to average equity (ytd only) | 9.4215% | 759 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.0000% | 2,402 |
| Assets per employee ($millions) | 4.6140% | 2,820 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9424% | 5,011 |
| Loan loss allowance to noncurrent loans | 112.8378% | 3,426 |
| Noncurrent assets plus other real estate owned to assets | 0.4582% | 3,961 |
| Noncurrent loans to loans | 0.8352% | 2,885 |
| Net loans and leases to total assets | 54.3501% | 4,528 |
| Net loans and leases to deposits | 63.5324% | 4,598 |
| Net loans and leases to core deposits | 66.0521% | 4,684 |
| Total domestic deposits to total assets | 85.5471% | 2,760 |
| Equity capital to assets | 8.5361% | 5,690 |
| Core capital (leverage) ratio | 8.5298% | 5,529 |
| Tier 1 risk-based capital ratio | 13.2714% | 4,275 |
| Total risk-based capital ratio | 14.0753% | 4,449 |
| Memoranda: | ||
| Average total assets | $32,200,500 | 6,007 |
| Average earning assets | $30,213,500 | 5,977 |
| Average equity | $2,660,500 | 6,120 |
| Average total loans | $17,327,500 | 5,887 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3494% | 5,342 |
| Cost of funding earning assets | 0.2259% | 5,183 |
| Net interest margin | 3.1234% | 4,906 |
| Noninterest income to average assets | 0.2487% | 5,169 |
| Noninterest expense to average assets | 2.4061% | 4,526 |
| Loan and lease loss provision to assets | 0.0311% | 3,505 |
| Net operating income to assets | 0.7217% | 3,782 |
| Return on assets (ROA) | 0.7461% | 3,755 |
| Pretax return on assets | 0.7585% | 4,459 |
| Return on Equity (ROE) | 9.1313% | 2,470 |
| Retained earnings to average equity (ytd only) | 9.1313% | 881 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.8824% | 2,381 |
| Assets per employee ($millions) | 4.5853% | 2,850 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9634% | 5,040 |
| Loan loss allowance to noncurrent loans | 104.3750% | 3,613 |
| Noncurrent assets plus other real estate owned to assets | 0.4985% | 3,956 |
| Noncurrent loans to loans | 0.9230% | 2,825 |
| Net loans and leases to total assets | 53.4847% | 4,614 |
| Net loans and leases to deposits | 67.5334% | 4,178 |
| Net loans and leases to core deposits | 70.4692% | 4,281 |
| Total domestic deposits to total assets | 79.1974% | 5,053 |
| Equity capital to assets | 8.3746% | 5,779 |
| Core capital (leverage) ratio | 8.4496% | 5,581 |
| Tier 1 risk-based capital ratio | 12.9374% | 4,550 |
| Total risk-based capital ratio | 13.7412% | 4,728 |
| Memoranda: | ||
| Average total assets | $32,168,000 | 6,074 |
| Average earning assets | $30,095,330 | 6,043 |
| Average equity | $2,628,330 | 6,190 |
| Average total loans | $17,196,330 | 5,951 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3011% | 5,452 |
| Cost of funding earning assets | 0.2263% | 5,255 |
| Net interest margin | 3.0748% | 5,020 |
| Noninterest income to average assets | 0.1863% | 5,592 |
| Noninterest expense to average assets | 2.3351% | 4,788 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.7204% | 3,694 |
| Return on assets (ROA) | 0.7453% | 3,695 |
| Pretax return on assets | 0.7453% | 4,446 |
| Return on Equity (ROE) | 9.2361% | 2,345 |
| Retained earnings to average equity (ytd only) | 9.2361% | 1,119 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4228% | 2,443 |
| Assets per employee ($millions) | 4.4653% | 3,107 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9380% | 5,301 |
| Loan loss allowance to noncurrent loans | 138.4615% | 2,965 |
| Noncurrent assets plus other real estate owned to assets | 0.3743% | 4,517 |
| Noncurrent loans to loans | 0.6775% | 3,588 |
| Net loans and leases to total assets | 54.7333% | 4,345 |
| Net loans and leases to deposits | 66.3049% | 4,120 |
| Net loans and leases to core deposits | 69.1540% | 4,232 |
| Total domestic deposits to total assets | 82.5479% | 4,325 |
| Equity capital to assets | 8.4077% | 5,798 |
| Core capital (leverage) ratio | 8.2636% | 5,768 |
| Tier 1 risk-based capital ratio | 12.8590% | 4,684 |
| Total risk-based capital ratio | 13.6517% | 4,883 |
| Memoranda: | ||
| Average total assets | $32,203,500 | 6,138 |
| Average earning assets | $30,051,000 | 6,104 |
| Average equity | $2,598,500 | 6,259 |
| Average total loans | $17,127,500 | 6,008 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2687% | 5,747 |
| Cost of funding earning assets | 0.2251% | 5,558 |
| Net interest margin | 3.0436% | 5,342 |
| Noninterest income to average assets | 0.2366% | 5,442 |
| Noninterest expense to average assets | 2.5733% | 4,315 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.4962% | 4,825 |
| Return on assets (ROA) | 0.5088% | 4,862 |
| Pretax return on assets | 0.5250% | 5,182 |
| Return on Equity (ROE) | 6.2391% | 4,028 |
| Retained earnings to average equity (ytd only) | 4.6495% | 2,859 |
| Net charge-offs to loans | 0.1662% | 2,372 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 6.0769% | 3,277 |
| Efficiency ratio | 83.4034% | 1,477 |
| Assets per employee ($millions) | 4.7357% | 2,675 |
| Cash dividends to net income (ytd only)* | 25.4777% | 3,590 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9538% | 5,279 |
| Loan loss allowance to noncurrent loans | 138.4615% | 2,984 |
| Noncurrent assets plus other real estate owned to assets | 0.3529% | 4,645 |
| Noncurrent loans to loans | 0.6888% | 3,619 |
| Net loans and leases to total assets | 50.7481% | 4,892 |
| Net loans and leases to deposits | 70.2070% | 3,885 |
| Net loans and leases to core deposits | 73.4821% | 3,967 |
| Total domestic deposits to total assets | 72.2836% | 6,064 |
| Equity capital to assets | 7.7496% | 6,158 |
| Core capital (leverage) ratio | 8.5762% | 5,472 |
| Tier 1 risk-based capital ratio | 12.8559% | 4,821 |
| Total risk-based capital ratio | 13.6666% | 5,004 |
| Memoranda: | ||
| Average total assets | $30,855,800 | 6,236 |
| Average earning assets | $28,880,200 | 6,204 |
| Average equity | $2,516,400 | 6,350 |
| Average total loans | $15,647,000 | 6,142 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2466% | 5,847 |
| Cost of funding earning assets | 0.2242% | 5,634 |
| Net interest margin | 3.0224% | 5,458 |
| Noninterest income to average assets | 0.2465% | 5,447 |
| Noninterest expense to average assets | 2.6329% | 4,088 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.4494% | 5,075 |
| Return on assets (ROA) | 0.4579% | 5,118 |
| Pretax return on assets | 0.4711% | 5,404 |
| Return on Equity (ROE) | 5.5392% | 4,470 |
| Retained earnings to average equity (ytd only) | 5.5392% | 2,717 |
| Net charge-offs to loans | 0.0174% | 4,183 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 52.4345% | 945 |
| Efficiency ratio | 85.0640% | 1,278 |
| Assets per employee ($millions) | 4.2829% | 3,321 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2008% | 4,217 |
| Loan loss allowance to noncurrent loans | 104.4944% | 3,564 |
| Noncurrent assets plus other real estate owned to assets | 0.5937% | 4,066 |
| Noncurrent loans to loans | 1.1491% | 2,758 |
| Net loans and leases to total assets | 51.0474% | 4,889 |
| Net loans and leases to deposits | 61.8518% | 4,752 |
| Net loans and leases to core deposits | 63.7162% | 4,903 |
| Total domestic deposits to total assets | 82.5317% | 4,290 |
| Equity capital to assets | 8.5223% | 5,781 |
| Core capital (leverage) ratio | 8.5472% | 5,601 |
| Tier 1 risk-based capital ratio | 14.6109% | 3,810 |
| Total risk-based capital ratio | 15.6745% | 3,875 |
| Memoranda: | ||
| Average total assets | $30,282,250 | 6,319 |
| Average earning assets | $28,542,250 | 6,284 |
| Average equity | $2,503,250 | 6,425 |
| Average total loans | $15,312,500 | 6,223 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2463% | 5,878 |
| Cost of funding earning assets | 0.2113% | 5,818 |
| Net interest margin | 3.0351% | 5,427 |
| Noninterest income to average assets | 0.2370% | 5,504 |
| Noninterest expense to average assets | 2.6001% | 4,238 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.4739% | 4,917 |
| Return on assets (ROA) | 0.4805% | 4,958 |
| Pretax return on assets | 0.4805% | 5,331 |
| Return on Equity (ROE) | 5.8729% | 4,228 |
| Retained earnings to average equity (ytd only) | 5.8729% | 2,401 |
| Net charge-offs to loans | 0.0131% | 3,975 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 72.0000% | 720 |
| Efficiency ratio | 84.5824% | 1,435 |
| Assets per employee ($millions) | 4.2256% | 3,413 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2687% | 4,033 |
| Loan loss allowance to noncurrent loans | 90.7767% | 3,855 |
| Noncurrent assets plus other real estate owned to assets | 0.6964% | 3,889 |
| Noncurrent loans to loans | 1.3977% | 2,466 |
| Net loans and leases to total assets | 49.1971% | 5,052 |
| Net loans and leases to deposits | 56.9216% | 5,129 |
| Net loans and leases to core deposits | 58.5782% | 5,230 |
| Total domestic deposits to total assets | 86.4296% | 2,803 |
| Equity capital to assets | 8.5331% | 5,775 |
| Core capital (leverage) ratio | 8.5997% | 5,530 |
| Tier 1 risk-based capital ratio | 15.0193% | 3,628 |
| Total risk-based capital ratio | 16.1321% | 3,643 |
| Memoranda: | ||
| Average total assets | $30,383,000 | 6,375 |
| Average earning assets | $28,401,330 | 6,345 |
| Average equity | $2,486,000 | 6,488 |
| Average total loans | $15,253,330 | 6,278 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2281% | 5,968 |
| Cost of funding earning assets | 0.2255% | 5,791 |
| Net interest margin | 3.0026% | 5,514 |
| Noninterest income to average assets | 0.2209% | 5,589 |
| Noninterest expense to average assets | 2.5987% | 4,273 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.3898% | 5,154 |
| Return on assets (ROA) | 0.4028% | 5,170 |
| Pretax return on assets | 0.4028% | 5,448 |
| Return on Equity (ROE) | 5.0263% | 4,538 |
| Retained earnings to average equity (ytd only) | 5.0263% | 3,098 |
| Net charge-offs to loans | 0.2063% | 1,513 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 3.7500% | 2,635 |
| Efficiency ratio | 86.9565% | 1,341 |
| Assets per employee ($millions) | 4.2133% | 3,500 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2092% | 4,594 |
| Loan loss allowance to noncurrent loans | 90.0000% | 3,892 |
| Noncurrent assets plus other real estate owned to assets | 0.6781% | 4,080 |
| Noncurrent loans to loans | 1.3435% | 2,795 |
| Net loans and leases to total assets | 49.8627% | 4,925 |
| Net loans and leases to deposits | 55.4399% | 5,157 |
| Net loans and leases to core deposits | 56.9934% | 5,282 |
| Total domestic deposits to total assets | 89.9400% | 1,106 |
| Equity capital to assets | 8.4189% | 5,727 |
| Core capital (leverage) ratio | 8.4175% | 5,730 |
| Tier 1 risk-based capital ratio | 14.8292% | 3,795 |
| Total risk-based capital ratio | 15.9042% | 3,871 |
| Memoranda: | ||
| Average total assets | $30,785,000 | 6,438 |
| Average earning assets | $28,375,500 | 6,414 |
| Average equity | $2,467,000 | 6,548 |
| Average total loans | $15,510,500 | 6,329 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5709% | 5,480 |
| Cost of funding earning assets | 0.2500% | 5,963 |
| Net interest margin | 3.3209% | 4,587 |
| Noninterest income to average assets | 0.2572% | 5,506 |
| Noninterest expense to average assets | 2.9007% | 3,368 |
| Loan and lease loss provision to assets | 0.0343% | 4,431 |
| Net operating income to assets | 0.3566% | 5,310 |
| Return on assets (ROA) | 0.3566% | 5,426 |
| Pretax return on assets | 0.3737% | 5,551 |
| Return on Equity (ROE) | 4.2027% | 5,009 |
| Retained earnings to average equity (ytd only) | 0.1616% | 5,780 |
| Net charge-offs to loans | 0.0746% | 4,164 |
| Credit loss provision to net charge-offs | 90.9091% | 2,727 |
| Earnings coverage of net charge-offs (x) | 10.8182% | 2,315 |
| Efficiency ratio | 87.6684% | 1,249 |
| Assets per employee ($millions) | 4.5824% | 2,750 |
| Cash dividends to net income (ytd only)* | 96.1538% | 501 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1652% | 4,835 |
| Loan loss allowance to noncurrent loans | 2,685.7143% | 235 |
| Noncurrent assets plus other real estate owned to assets | 0.0218% | 6,339 |
| Noncurrent loans to loans | 0.0434% | 6,108 |
| Net loans and leases to total assets | 49.7147% | 5,118 |
| Net loans and leases to deposits | 63.6963% | 4,535 |
| Net loans and leases to core deposits | 65.5850% | 4,729 |
| Total domestic deposits to total assets | 78.0497% | 5,821 |
| Equity capital to assets | 7.6410% | 6,215 |
| Core capital (leverage) ratio | 8.4915% | 5,684 |
| Tier 1 risk-based capital ratio | 13.2788% | 4,802 |
| Total risk-based capital ratio | 14.2973% | 4,890 |
| Memoranda: | ||
| Average total assets | $29,165,600 | 6,539 |
| Average earning assets | $26,800,200 | 6,510 |
| Average equity | $2,474,600 | 6,636 |
| Average total loans | $14,752,200 | 6,430 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5918% | 5,463 |
| Cost of funding earning assets | 0.2526% | 6,065 |
| Net interest margin | 3.3392% | 4,499 |
| Noninterest income to average assets | 0.2673% | 5,538 |
| Noninterest expense to average assets | 2.5880% | 4,432 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.7642% | 3,533 |
| Return on assets (ROA) | 0.7642% | 3,664 |
| Pretax return on assets | 0.7783% | 4,386 |
| Return on Equity (ROE) | 8.7615% | 2,758 |
| Retained earnings to average equity (ytd only) | 3.3864% | 4,280 |
| Net charge-offs to loans | 0.1018% | 3,521 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 15.0873% | 1,891 |
| Efficiency ratio | 76.8802% | 2,580 |
| Assets per employee ($millions) | 4.0013% | 3,828 |
| Cash dividends to net income (ytd only)* | 61.3491% | 1,398 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2367% | 4,704 |
| Loan loss allowance to noncurrent loans | 1,618.1818% | 316 |
| Noncurrent assets plus other real estate owned to assets | 0.0393% | 6,354 |
| Noncurrent loans to loans | 0.0764% | 6,106 |
| Net loans and leases to total assets | 50.7515% | 5,039 |
| Net loans and leases to deposits | 59.1971% | 5,072 |
| Net loans and leases to core deposits | 61.6302% | 5,156 |
| Total domestic deposits to total assets | 85.7332% | 3,384 |
| Equity capital to assets | 8.9614% | 5,232 |
| Core capital (leverage) ratio | 8.9359% | 5,221 |
| Tier 1 risk-based capital ratio | 15.5775% | 3,430 |
| Total risk-based capital ratio | 16.6822% | 3,459 |
| Memoranda: | ||
| Average total assets | $28,437,750 | 6,626 |
| Average earning assets | $26,393,000 | 6,597 |
| Average equity | $2,480,500 | 6,710 |
| Average total loans | $14,406,500 | 6,510 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6228% | 5,366 |
| Cost of funding earning assets | 0.2446% | 6,212 |
| Net interest margin | 3.3782% | 4,274 |
| Noninterest income to average assets | 0.2659% | 5,549 |
| Noninterest expense to average assets | 2.5332% | 4,613 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.8257% | 3,169 |
| Return on assets (ROA) | 0.8257% | 3,325 |
| Pretax return on assets | 0.8257% | 4,217 |
| Return on Equity (ROE) | 9.5521% | 2,396 |
| Retained earnings to average equity (ytd only) | 1.4571% | 5,291 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4167% | 2,873 |
| Assets per employee ($millions) | 3.9234% | 3,972 |
| Cash dividends to net income (ytd only)* | 84.7458% | 795 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3522% | 4,259 |
| Loan loss allowance to noncurrent loans | 1,111.7647% | 425 |
| Noncurrent assets plus other real estate owned to assets | 0.0619% | 6,312 |
| Noncurrent loans to loans | 0.1216% | 6,024 |
| Net loans and leases to total assets | 50.2039% | 5,091 |
| Net loans and leases to deposits | 56.4665% | 5,290 |
| Net loans and leases to core deposits | 58.7448% | 5,364 |
| Total domestic deposits to total assets | 88.9091% | 1,679 |
| Equity capital to assets | 8.9754% | 5,245 |
| Core capital (leverage) ratio | 8.9594% | 5,065 |
| Tier 1 risk-based capital ratio | 15.6787% | 3,377 |
| Total risk-based capital ratio | 16.8808% | 3,355 |
| Memoranda: | ||
| Average total assets | $28,580,670 | 6,679 |
| Average earning assets | $26,167,670 | 6,653 |
| Average equity | $2,470,670 | 6,759 |
| Average total loans | $14,411,000 | 6,547 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7009% | 5,160 |
| Cost of funding earning assets | 0.2764% | 6,125 |
| Net interest margin | 3.4245% | 4,032 |
| Noninterest income to average assets | 0.2745% | 5,487 |
| Noninterest expense to average assets | 2.6082% | 4,379 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.7275% | 3,553 |
| Return on assets (ROA) | 0.7275% | 3,689 |
| Pretax return on assets | 0.7275% | 4,454 |
| Return on Equity (ROE) | 8.5709% | 2,672 |
| Retained earnings to average equity (ytd only) | 8.5709% | 1,529 |
| Net charge-offs to loans | -0.4102% | 6,825 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.1893% | 2,581 |
| Assets per employee ($millions) | 3.9651% | 4,026 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4349% | 4,073 |
| Loan loss allowance to noncurrent loans | 850.0000% | 551 |
| Noncurrent assets plus other real estate owned to assets | 0.0865% | 6,334 |
| Noncurrent loans to loans | 0.1688% | 5,979 |
| Net loans and leases to total assets | 50.4864% | 4,922 |
| Net loans and leases to deposits | 55.5300% | 5,291 |
| Net loans and leases to core deposits | 58.2928% | 5,319 |
| Total domestic deposits to total assets | 90.9173% | 557 |
| Equity capital to assets | 9.0071% | 5,474 |
| Core capital (leverage) ratio | 9.0797% | 4,749 |
| Tier 1 risk-based capital ratio | 15.6563% | 3,448 |
| Total risk-based capital ratio | 16.9088% | 3,409 |
| Memoranda: | ||
| Average total assets | $29,139,000 | 6,737 |
| Average earning assets | $26,047,500 | 6,721 |
| Average equity | $2,473,500 | 6,819 |
| Average total loans | $14,628,000 | 6,601 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0119% | 5,262 |
| Cost of funding earning assets | 0.3607% | 6,156 |
| Net interest margin | 3.6512% | 3,869 |
| Noninterest income to average assets | 0.1442% | 6,311 |
| Noninterest expense to average assets | 2.8540% | 3,833 |
| Loan and lease loss provision to assets | 0.3586% | 1,857 |
| Net operating income to assets | 0.2440% | 5,650 |
| Return on assets (ROA) | 0.2440% | 5,853 |
| Pretax return on assets | 0.2625% | 5,896 |
| Return on Equity (ROE) | 2.7336% | 5,662 |
| Retained earnings to average equity (ytd only) | 2.7336% | 4,315 |
| Net charge-offs to loans | 0.5052% | 2,223 |
| Credit loss provision to net charge-offs | 129.3333% | 2,175 |
| Earnings coverage of net charge-offs (x) | 2.2400% | 4,302 |
| Efficiency ratio | 82.1277% | 1,852 |
| Assets per employee ($millions) | 4.3603% | 3,231 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2567% | 4,836 |
| Loan loss allowance to noncurrent loans | 540.0000% | 769 |
| Noncurrent assets plus other real estate owned to assets | 1.8544% | 2,633 |
| Noncurrent loans to loans | 0.2327% | 5,899 |
| Net loans and leases to total assets | 48.6534% | 5,346 |
| Net loans and leases to deposits | 59.6817% | 5,057 |
| Net loans and leases to core deposits | 62.6900% | 5,091 |
| Total domestic deposits to total assets | 81.5215% | 5,254 |
| Equity capital to assets | 8.0172% | 6,398 |
| Core capital (leverage) ratio | 8.9277% | 5,008 |
| Tier 1 risk-based capital ratio | 13.7727% | 4,553 |
| Total risk-based capital ratio | 14.8365% | 4,634 |
| Memoranda: | ||
| Average total assets | $27,049,800 | 6,820 |
| Average earning assets | $24,676,600 | 6,798 |
| Average equity | $2,414,400 | 6,899 |
| Average total loans | $14,846,600 | 6,666 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0061% | 5,501 |
| Cost of funding earning assets | 0.3781% | 6,243 |
| Net interest margin | 3.6279% | 4,112 |
| Noninterest income to average assets | 0.1120% | 6,573 |
| Noninterest expense to average assets | 2.9689% | 3,343 |
| Loan and lease loss provision to assets | 0.4940% | 1,245 |
| Net operating income to assets | 0.0051% | 6,270 |
| Return on assets (ROA) | 0.0051% | 6,399 |
| Pretax return on assets | 0.0204% | 6,377 |
| Return on Equity (ROE) | 0.0553% | 6,399 |
| Retained earnings to average equity (ytd only) | 0.0553% | 6,055 |
| Net charge-offs to loans | 0.6757% | 1,634 |
| Credit loss provision to net charge-offs | 129.3333% | 2,225 |
| Earnings coverage of net charge-offs (x) | 1.3466% | 4,624 |
| Efficiency ratio | 85.2339% | 1,456 |
| Assets per employee ($millions) | 2.8980% | 6,222 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3225% | 4,714 |
| Loan loss allowance to noncurrent loans | 1,718.1818% | 284 |
| Noncurrent assets plus other real estate owned to assets | 2.8334% | 1,856 |
| Noncurrent loans to loans | 0.0770% | 6,424 |
| Net loans and leases to total assets | 54.0679% | 4,739 |
| Net loans and leases to deposits | 63.0906% | 4,829 |
| Net loans and leases to core deposits | 66.6068% | 4,886 |
| Total domestic deposits to total assets | 85.6989% | 3,415 |
| Equity capital to assets | 9.1327% | 5,668 |
| Core capital (leverage) ratio | 9.0965% | 4,919 |
| Tier 1 risk-based capital ratio | 14.5902% | 4,126 |
| Total risk-based capital ratio | 15.7479% | 4,154 |
| Memoranda: | ||
| Average total assets | $26,181,750 | 6,923 |
| Average earning assets | $24,329,000 | 6,892 |
| Average equity | $2,406,250 | 6,993 |
| Average total loans | $14,798,500 | 6,757 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9697% | 5,731 |
| Cost of funding earning assets | 0.4109% | 6,212 |
| Net interest margin | 3.5588% | 4,421 |
| Noninterest income to average assets | 0.2747% | 5,614 |
| Noninterest expense to average assets | 3.0059% | 3,238 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.5722% | 4,488 |
| Return on assets (ROA) | 0.5722% | 4,762 |
| Pretax return on assets | 0.5722% | 5,241 |
| Return on Equity (ROE) | 6.2129% | 4,205 |
| Retained earnings to average equity (ytd only) | 6.2129% | 2,561 |
| Net charge-offs to loans | 0.6681% | 1,650 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 1.5000% | 4,240 |
| Efficiency ratio | 84.0085% | 1,632 |
| Assets per employee ($millions) | 2.9506% | 6,149 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7888% | 6,696 |
| Loan loss allowance to noncurrent loans | 15.8537% | 6,624 |
| Noncurrent assets plus other real estate owned to assets | 2.9524% | 1,867 |
| Noncurrent loans to loans | 4.9754% | 999 |
| Net loans and leases to total assets | 55.4171% | 4,559 |
| Net loans and leases to deposits | 61.1561% | 5,107 |
| Net loans and leases to core deposits | 64.3041% | 5,177 |
| Total domestic deposits to total assets | 90.6157% | 607 |
| Equity capital to assets | 9.2487% | 5,399 |
| Core capital (leverage) ratio | 9.2655% | 4,504 |
| Tier 1 risk-based capital ratio | 15.1652% | 3,655 |
| Total risk-based capital ratio | 15.8876% | 3,972 |
| Memoranda: | ||
| Average total assets | $26,215,000 | 6,982 |
| Average earning assets | $24,334,330 | 6,947 |
| Average equity | $2,414,330 | 7,033 |
| Average total loans | $14,967,670 | 6,801 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0089% | 5,731 |
| Cost of funding earning assets | 0.4677% | 6,031 |
| Net interest margin | 3.5412% | 4,520 |
| Noninterest income to average assets | 0.2918% | 5,529 |
| Noninterest expense to average assets | 3.1484% | 2,764 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.3993% | 5,261 |
| Return on assets (ROA) | 0.3993% | 5,447 |
| Pretax return on assets | 0.3993% | 5,730 |
| Return on Equity (ROE) | 4.3451% | 5,119 |
| Retained earnings to average equity (ytd only) | 4.3451% | 3,988 |
| Net charge-offs to loans | 1.3302% | 765 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 0.5200% | 4,080 |
| Efficiency ratio | 88.7446% | 1,204 |
| Assets per employee ($millions) | 2.9042% | 6,346 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8011% | 6,738 |
| Loan loss allowance to noncurrent loans | 15.9836% | 6,663 |
| Noncurrent assets plus other real estate owned to assets | 2.9765% | 1,945 |
| Noncurrent loans to loans | 5.0120% | 1,115 |
| Net loans and leases to total assets | 55.4289% | 4,481 |
| Net loans and leases to deposits | 61.1128% | 5,030 |
| Net loans and leases to core deposits | 62.9092% | 5,230 |
| Total domestic deposits to total assets | 90.6994% | 687 |
| Equity capital to assets | 9.2050% | 5,228 |
| Core capital (leverage) ratio | 9.3101% | 4,343 |
| Tier 1 risk-based capital ratio | 15.1635% | 3,646 |
| Total risk-based capital ratio | 15.9009% | 3,947 |
| Memoranda: | ||
| Average total assets | $26,045,000 | 7,048 |
| Average earning assets | $23,946,500 | 7,023 |
| Average equity | $2,393,500 | 7,091 |
| Average total loans | $15,035,000 | 6,855 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3934% | 5,450 |
| Cost of funding earning assets | 0.5886% | 6,144 |
| Net interest margin | 3.8047% | 3,793 |
| Noninterest income to average assets | 0.3013% | 5,378 |
| Noninterest expense to average assets | 3.5324% | 1,907 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.2854% | 5,306 |
| Return on assets (ROA) | 0.2854% | 5,461 |
| Pretax return on assets | 0.3053% | 5,545 |
| Return on Equity (ROE) | 3.0398% | 5,266 |
| Retained earnings to average equity (ytd only) | 3.0398% | 4,066 |
| Net charge-offs to loans | -0.1912% | 7,209 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.0455% | 1,045 |
| Assets per employee ($millions) | 2.8836% | 6,312 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0799% | 5,886 |
| Loan loss allowance to noncurrent loans | 18.4123% | 6,656 |
| Noncurrent assets plus other real estate owned to assets | 3.4949% | 1,698 |
| Noncurrent loans to loans | 5.8649% | 866 |
| Net loans and leases to total assets | 58.9473% | 4,204 |
| Net loans and leases to deposits | 66.7977% | 4,626 |
| Net loans and leases to core deposits | 72.0652% | 4,524 |
| Total domestic deposits to total assets | 88.2475% | 2,002 |
| Equity capital to assets | 9.1746% | 5,324 |
| Core capital (leverage) ratio | 9.6998% | 3,750 |
| Tier 1 risk-based capital ratio | 12.0894% | 5,767 |
| Total risk-based capital ratio | 12.9373% | 6,018 |
| Memoranda: | ||
| Average total assets | $25,223,800 | 7,099 |
| Average earning assets | $23,444,400 | 7,064 |
| Average equity | $2,368,600 | 7,149 |
| Average total loans | $15,165,200 | 6,897 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4261% | 5,518 |
| Cost of funding earning assets | 0.6129% | 6,228 |
| Net interest margin | 3.8133% | 3,804 |
| Noninterest income to average assets | 0.2769% | 5,636 |
| Noninterest expense to average assets | 3.1733% | 2,914 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.6709% | 3,764 |
| Return on assets (ROA) | 0.6709% | 3,935 |
| Pretax return on assets | 0.6815% | 4,546 |
| Return on Equity (ROE) | 7.1021% | 3,477 |
| Retained earnings to average equity (ytd only) | 7.1021% | 1,917 |
| Net charge-offs to loans | -0.2563% | 7,289 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.3204% | 1,928 |
| Assets per employee ($millions) | 2.7780% | 6,525 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1104% | 5,845 |
| Loan loss allowance to noncurrent loans | 20.0721% | 6,674 |
| Noncurrent assets plus other real estate owned to assets | 3.3277% | 1,908 |
| Noncurrent loans to loans | 5.5323% | 1,070 |
| Net loans and leases to total assets | 59.4832% | 4,233 |
| Net loans and leases to deposits | 73.9974% | 3,654 |
| Net loans and leases to core deposits | 76.4824% | 4,137 |
| Total domestic deposits to total assets | 80.3856% | 5,624 |
| Equity capital to assets | 9.7392% | 4,723 |
| Core capital (leverage) ratio | 9.7016% | 3,847 |
| Tier 1 risk-based capital ratio | 15.0401% | 3,641 |
| Total risk-based capital ratio | 16.0716% | 3,739 |
| Memoranda: | ||
| Average total assets | $25,041,750 | 7,173 |
| Average earning assets | $23,496,250 | 7,136 |
| Average equity | $2,365,500 | 7,218 |
| Average total loans | $15,090,250 | 6,966 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4069% | 5,664 |
| Cost of funding earning assets | 0.6516% | 6,220 |
| Net interest margin | 3.7553% | 4,008 |
| Noninterest income to average assets | 0.2554% | 5,819 |
| Noninterest expense to average assets | 3.1371% | 3,123 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.6146% | 3,986 |
| Return on assets (ROA) | 0.6146% | 4,118 |
| Pretax return on assets | 0.6146% | 4,699 |
| Return on Equity (ROE) | 6.5747% | 3,660 |
| Retained earnings to average equity (ytd only) | 6.5747% | 2,094 |
| Net charge-offs to loans | -0.3839% | 7,369 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.6170% | 1,867 |
| Assets per employee ($millions) | 2.8354% | 6,409 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1296% | 5,828 |
| Loan loss allowance to noncurrent loans | 19.1076% | 6,745 |
| Noncurrent assets plus other real estate owned to assets | 3.4249% | 1,927 |
| Noncurrent loans to loans | 5.9118% | 1,021 |
| Net loans and leases to total assets | 57.2789% | 4,772 |
| Net loans and leases to deposits | 63.3154% | 5,357 |
| Net loans and leases to core deposits | 68.3485% | 5,256 |
| Total domestic deposits to total assets | 90.4659% | 728 |
| Equity capital to assets | 9.3499% | 5,079 |
| Core capital (leverage) ratio | 9.5654% | 3,860 |
| Tier 1 risk-based capital ratio | 14.8995% | 3,551 |
| Total risk-based capital ratio | 15.9423% | 3,643 |
| Memoranda: | ||
| Average total assets | $25,055,000 | 7,236 |
| Average earning assets | $23,327,000 | 7,204 |
| Average equity | $2,342,330 | 7,279 |
| Average total loans | $15,107,330 | 7,033 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4704% | 5,443 |
| Cost of funding earning assets | 0.7509% | 5,853 |
| Net interest margin | 3.7195% | 4,002 |
| Noninterest income to average assets | 0.2256% | 6,115 |
| Noninterest expense to average assets | 3.2873% | 2,607 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.3706% | 5,075 |
| Return on assets (ROA) | 0.3706% | 5,158 |
| Pretax return on assets | 0.3706% | 5,427 |
| Return on Equity (ROE) | 3.9647% | 4,922 |
| Retained earnings to average equity (ytd only) | 3.9647% | 3,792 |
| Net charge-offs to loans | -0.7597% | 7,462 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.8678% | 1,344 |
| Assets per employee ($millions) | 2.7469% | 6,634 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0810% | 6,119 |
| Loan loss allowance to noncurrent loans | 18.5556% | 6,812 |
| Noncurrent assets plus other real estate owned to assets | 3.6405% | 1,866 |
| Noncurrent loans to loans | 5.8260% | 1,107 |
| Net loans and leases to total assets | 61.8113% | 3,896 |
| Net loans and leases to deposits | 68.3591% | 4,628 |
| Net loans and leases to core deposits | 72.0224% | 4,783 |
| Total domestic deposits to total assets | 90.4215% | 883 |
| Equity capital to assets | 9.4329% | 4,524 |
| Core capital (leverage) ratio | 9.1659% | 4,348 |
| Tier 1 risk-based capital ratio | 14.2204% | 3,923 |
| Total risk-based capital ratio | 15.2387% | 4,061 |
| Memoranda: | ||
| Average total assets | $24,823,000 | 7,294 |
| Average earning assets | $22,906,000 | 7,264 |
| Average equity | $2,320,500 | 7,334 |
| Average total loans | $15,269,000 | 7,076 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2742% | 3,241 |
| Cost of funding earning assets | 0.9515% | 5,928 |
| Net interest margin | 4.3227% | 1,742 |
| Noninterest income to average assets | 0.2994% | 5,651 |
| Noninterest expense to average assets | 3.6183% | 1,884 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.6284% | 3,543 |
| Return on assets (ROA) | 0.6284% | 3,705 |
| Pretax return on assets | 0.6663% | 4,102 |
| Return on Equity (ROE) | 6.3806% | 3,406 |
| Retained earnings to average equity (ytd only) | 2.0983% | 4,413 |
| Net charge-offs to loans | 0.3706% | 4,180 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | 2.7241% | 3,716 |
| Efficiency ratio | 84.4488% | 1,873 |
| Assets per employee ($millions) | 2.7693% | 6,574 |
| Cash dividends to net income (ytd only)* | 67.1141% | 1,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9145% | 6,685 |
| Loan loss allowance to noncurrent loans | 16.1782% | 6,943 |
| Noncurrent assets plus other real estate owned to assets | 3.4224% | 2,041 |
| Noncurrent loans to loans | 5.6528% | 1,152 |
| Net loans and leases to total assets | 59.9904% | 4,682 |
| Net loans and leases to deposits | 67.1276% | 5,229 |
| Net loans and leases to core deposits | 68.1495% | 5,646 |
| Total domestic deposits to total assets | 89.3677% | 1,453 |
| Equity capital to assets | 9.2642% | 4,730 |
| Core capital (leverage) ratio | 9.8937% | 3,216 |
| Tier 1 risk-based capital ratio | 14.2875% | 3,686 |
| Total risk-based capital ratio | 15.1414% | 3,912 |
| Memoranda: | ||
| Average total assets | $23,712,800 | 7,377 |
| Average earning assets | $21,861,200 | 7,357 |
| Average equity | $2,335,200 | 7,442 |
| Average total loans | $15,648,200 | 7,132 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4144% | 2,813 |
| Cost of funding earning assets | 1.0179% | 5,854 |
| Net interest margin | 4.3965% | 1,537 |
| Noninterest income to average assets | 0.3132% | 5,645 |
| Noninterest expense to average assets | 3.1382% | 3,148 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.2188% | 1,538 |
| Return on assets (ROA) | 1.2188% | 1,615 |
| Pretax return on assets | 1.2587% | 2,304 |
| Return on Equity (ROE) | 12.1845% | 1,451 |
| Retained earnings to average equity (ytd only) | 6.4909% | 2,098 |
| Net charge-offs to loans | 0.0084% | 6,546 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 221.5489% | 148 |
| Efficiency ratio | 71.3731% | 3,823 |
| Assets per employee ($millions) | 2.5206% | 7,062 |
| Cash dividends to net income (ytd only)* | 46.7283% | 1,774 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2080% | 5,459 |
| Loan loss allowance to noncurrent loans | 21.1268% | 6,854 |
| Noncurrent assets plus other real estate owned to assets | 4.0688% | 1,709 |
| Noncurrent loans to loans | 5.7176% | 1,141 |
| Net loans and leases to total assets | 70.3020% | 2,664 |
| Net loans and leases to deposits | 83.9678% | 2,713 |
| Net loans and leases to core deposits | 85.4708% | 3,731 |
| Total domestic deposits to total assets | 83.7249% | 4,260 |
| Equity capital to assets | 10.4651% | 3,554 |
| Core capital (leverage) ratio | 10.3936% | 2,808 |
| Tier 1 risk-based capital ratio | 14.3879% | 3,576 |
| Total risk-based capital ratio | 15.5697% | 3,583 |
| Memoranda: | ||
| Average total assets | $23,410,000 | 7,483 |
| Average earning assets | $21,744,000 | 7,454 |
| Average equity | $2,341,750 | 7,536 |
| Average total loans | $15,787,750 | 7,221 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4670% | 2,672 |
| Cost of funding earning assets | 1.0971% | 5,688 |
| Net interest margin | 4.3700% | 1,536 |
| Noninterest income to average assets | 0.3213% | 5,589 |
| Noninterest expense to average assets | 3.1879% | 2,949 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.1754% | 1,624 |
| Return on assets (ROA) | 1.1754% | 1,691 |
| Pretax return on assets | 1.1754% | 2,496 |
| Return on Equity (ROE) | 11.9262% | 1,474 |
| Retained earnings to average equity (ytd only) | 11.9262% | 504 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0620% | 3,647 |
| Assets per employee ($millions) | 2.5178% | 7,080 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2050% | 5,434 |
| Loan loss allowance to noncurrent loans | 23.0860% | 6,789 |
| Noncurrent assets plus other real estate owned to assets | 3.7467% | 1,864 |
| Noncurrent loans to loans | 5.2198% | 1,307 |
| Net loans and leases to total assets | 70.9135% | 2,684 |
| Net loans and leases to deposits | 83.7232% | 2,926 |
| Net loans and leases to core deposits | 85.1879% | 3,959 |
| Total domestic deposits to total assets | 84.6999% | 3,767 |
| Equity capital to assets | 10.5869% | 3,299 |
| Core capital (leverage) ratio | 10.5776% | 2,560 |
| Tier 1 risk-based capital ratio | 14.4431% | 3,476 |
| Total risk-based capital ratio | 15.6231% | 3,476 |
| Memoranda: | ||
| Average total assets | $23,651,670 | 7,541 |
| Average earning assets | $21,876,670 | 7,507 |
| Average equity | $2,331,000 | 7,595 |
| Average total loans | $15,669,330 | 7,276 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5969% | 2,163 |
| Cost of funding earning assets | 1.1267% | 5,768 |
| Net interest margin | 4.4703% | 1,208 |
| Noninterest income to average assets | 0.2982% | 5,762 |
| Noninterest expense to average assets | 3.1639% | 2,999 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.2092% | 1,521 |
| Return on assets (ROA) | 1.2092% | 1,591 |
| Pretax return on assets | 1.2092% | 2,333 |
| Return on Equity (ROE) | 12.7122% | 1,320 |
| Retained earnings to average equity (ytd only) | 12.7122% | 661 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3485% | 3,867 |
| Assets per employee ($millions) | 2.6070% | 7,030 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2558% | 5,178 |
| Loan loss allowance to noncurrent loans | 29.7420% | 6,417 |
| Noncurrent assets plus other real estate owned to assets | 2.8087% | 2,590 |
| Noncurrent loans to loans | 4.2222% | 1,822 |
| Net loans and leases to total assets | 65.6864% | 3,933 |
| Net loans and leases to deposits | 84.0166% | 2,942 |
| Net loans and leases to core deposits | 86.9359% | 3,764 |
| Total domestic deposits to total assets | 78.1827% | 6,276 |
| Equity capital to assets | 9.9433% | 3,936 |
| Core capital (leverage) ratio | 9.8526% | 3,338 |
| Tier 1 risk-based capital ratio | 14.1781% | 3,543 |
| Total risk-based capital ratio | 15.3692% | 3,546 |
| Memoranda: | ||
| Average total assets | $24,147,500 | 7,620 |
| Average earning assets | $22,012,000 | 7,596 |
| Average equity | $2,297,000 | 7,691 |
| Average total loans | $15,371,500 | 7,385 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8159% | 2,591 |
| Cost of funding earning assets | 1.4999% | 5,514 |
| Net interest margin | 4.3160% | 1,671 |
| Noninterest income to average assets | 0.3307% | 5,720 |
| Noninterest expense to average assets | 3.6010% | 2,144 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.7226% | 2,844 |
| Return on assets (ROA) | 0.7226% | 2,916 |
| Pretax return on assets | 0.7594% | 3,379 |
| Return on Equity (ROE) | 7.8618% | 2,429 |
| Retained earnings to average equity (ytd only) | 3.4201% | 2,775 |
| Net charge-offs to loans | -0.0131% | 7,765 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.5843% | 2,539 |
| Assets per employee ($millions) | 2.7591% | 6,736 |
| Cash dividends to net income (ytd only)* | 56.4972% | 2,175 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2884% | 4,825 |
| Loan loss allowance to noncurrent loans | 73.5849% | 3,737 |
| Noncurrent assets plus other real estate owned to assets | 1.0672% | 4,960 |
| Noncurrent loans to loans | 1.7509% | 4,012 |
| Net loans and leases to total assets | 60.1643% | 5,312 |
| Net loans and leases to deposits | 70.9166% | 5,481 |
| Net loans and leases to core deposits | 86.0550% | 5,517 |
| Total domestic deposits to total assets | 84.8381% | 3,624 |
| Equity capital to assets | 9.1052% | 4,979 |
| Core capital (leverage) ratio | 9.3249% | 3,940 |
| Tier 1 risk-based capital ratio | 13.8338% | 3,610 |
| Total risk-based capital ratio | 15.0269% | 3,584 |
| Memoranda: | ||
| Average total assets | $24,493,200 | 7,654 |
| Average earning assets | $22,868,200 | 7,617 |
| Average equity | $2,251,400 | 7,790 |
| Average total loans | $15,309,200 | 7,434 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8735% | 2,565 |
| Cost of funding earning assets | 1.5720% | 5,529 |
| Net interest margin | 4.3015% | 1,730 |
| Noninterest income to average assets | 0.3278% | 5,862 |
| Noninterest expense to average assets | 3.0754% | 3,745 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.3001% | 1,214 |
| Return on assets (ROA) | 1.3001% | 1,293 |
| Pretax return on assets | 1.3329% | 1,867 |
| Return on Equity (ROE) | 14.1098% | 906 |
| Retained earnings to average equity (ytd only) | 8.1814% | 1,088 |
| Net charge-offs to loans | -0.0087% | 7,669 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7646% | 4,636 |
| Assets per employee ($millions) | 2.5828% | 7,084 |
| Cash dividends to net income (ytd only)* | 42.0162% | 2,357 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3241% | 4,361 |
| Loan loss allowance to noncurrent loans | 76.0784% | 3,586 |
| Noncurrent assets plus other real estate owned to assets | 1.0970% | 4,885 |
| Noncurrent loans to loans | 1.7404% | 4,021 |
| Net loans and leases to total assets | 62.1983% | 5,209 |
| Net loans and leases to deposits | 79.1785% | 4,537 |
| Net loans and leases to core deposits | 94.9809% | 4,931 |
| Total domestic deposits to total assets | 78.5545% | 5,941 |
| Equity capital to assets | 9.9849% | 4,106 |
| Core capital (leverage) ratio | 9.9498% | 3,337 |
| Tier 1 risk-based capital ratio | 13.7305% | 3,696 |
| Total risk-based capital ratio | 14.8781% | 3,702 |
| Memoranda: | ||
| Average total assets | $24,408,500 | 7,730 |
| Average earning assets | $23,154,500 | 7,687 |
| Average equity | $2,249,000 | 7,869 |
| Average total loans | $15,352,750 | 7,499 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8530% | 2,789 |
| Cost of funding earning assets | 1.6674% | 5,437 |
| Net interest margin | 4.1856% | 2,044 |
| Noninterest income to average assets | 0.3226% | 5,930 |
| Noninterest expense to average assets | 2.9601% | 4,253 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.2986% | 1,231 |
| Return on assets (ROA) | 1.2986% | 1,317 |
| Pretax return on assets | 1.3308% | 1,933 |
| Return on Equity (ROE) | 14.4719% | 911 |
| Retained earnings to average equity (ytd only) | 5.4831% | 2,253 |
| Net charge-offs to loans | 0.0257% | 6,121 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 82.5000% | 466 |
| Efficiency ratio | 68.9850% | 4,983 |
| Assets per employee ($millions) | 2.6504% | 6,953 |
| Cash dividends to net income (ytd only)* | 62.1118% | 1,606 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2342% | 4,717 |
| Loan loss allowance to noncurrent loans | 77.3279% | 3,615 |
| Noncurrent assets plus other real estate owned to assets | 1.0355% | 4,899 |
| Noncurrent loans to loans | 1.5961% | 4,103 |
| Net loans and leases to total assets | 64.0731% | 4,966 |
| Net loans and leases to deposits | 82.5627% | 4,127 |
| Net loans and leases to core deposits | 95.8605% | 4,918 |
| Total domestic deposits to total assets | 77.6054% | 6,177 |
| Equity capital to assets | 9.4072% | 4,739 |
| Core capital (leverage) ratio | 9.0975% | 4,471 |
| Tier 1 risk-based capital ratio | 12.7067% | 4,354 |
| Total risk-based capital ratio | 13.7882% | 4,414 |
| Memoranda: | ||
| Average total assets | $24,796,330 | 7,793 |
| Average earning assets | $23,509,330 | 7,745 |
| Average equity | $2,225,000 | 7,952 |
| Average total loans | $15,586,330 | 7,559 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7227% | 3,684 |
| Cost of funding earning assets | 1.7453% | 5,381 |
| Net interest margin | 3.9773% | 2,743 |
| Noninterest income to average assets | 0.3008% | 6,034 |
| Noninterest expense to average assets | 3.0236% | 3,661 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.0290% | 2,196 |
| Return on assets (ROA) | 1.0290% | 2,337 |
| Pretax return on assets | 1.0290% | 3,249 |
| Return on Equity (ROE) | 11.7355% | 1,748 |
| Retained earnings to average equity (ytd only) | 11.7355% | 840 |
| Net charge-offs to loans | -0.0256% | 7,509 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.6094% | 3,714 |
| Assets per employee ($millions) | 2.8083% | 6,620 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2568% | 4,368 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 60.3046% | 5,604 |
| Net loans and leases to deposits | 76.5161% | 5,150 |
| Net loans and leases to core deposits | 89.3016% | 5,622 |
| Total domestic deposits to total assets | 78.8131% | 5,788 |
| Equity capital to assets | 8.8942% | 5,486 |
| Core capital (leverage) ratio | 8.7318% | 5,091 |
| Tier 1 risk-based capital ratio | 13.7190% | 3,731 |
| Total risk-based capital ratio | 14.9030% | 3,686 |
| Memoranda: | ||
| Average total assets | $25,267,500 | 7,821 |
| Average earning assets | $23,835,000 | 7,775 |
| Average equity | $2,215,500 | 8,010 |
| Average total loans | $15,642,000 | 7,597 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6515% | 2,238 |
| Cost of funding earning assets | 2.2602% | 5,334 |
| Net interest margin | 4.3913% | 1,712 |
| Noninterest income to average assets | 0.3768% | 5,674 |
| Noninterest expense to average assets | 3.5943% | 2,163 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.8574% | 3,192 |
| Return on assets (ROA) | 0.8574% | 3,035 |
| Pretax return on assets | 0.9051% | 3,703 |
| Return on Equity (ROE) | 9.2205% | 2,559 |
| Retained earnings to average equity (ytd only) | 4.5637% | 2,284 |
| Net charge-offs to loans | 0.1425% | 4,789 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 9.0870% | 2,758 |
| Efficiency ratio | 79.8845% | 2,616 |
| Assets per employee ($millions) | 2.8067% | 6,541 |
| Cash dividends to net income (ytd only)* | 50.5051% | 3,096 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2178% | 4,400 |
| Loan loss allowance to noncurrent loans | 52.0216% | 5,397 |
| Noncurrent assets plus other real estate owned to assets | 1.4687% | 3,284 |
| Noncurrent loans to loans | 2.3410% | 2,355 |
| Net loans and leases to total assets | 61.9755% | 5,628 |
| Net loans and leases to deposits | 79.2257% | 5,165 |
| Net loans and leases to core deposits | 96.4691% | 5,214 |
| Total domestic deposits to total assets | 78.2264% | 5,639 |
| Equity capital to assets | 8.6421% | 5,879 |
| Core capital (leverage) ratio | 8.9219% | 4,858 |
| Tier 1 risk-based capital ratio | 13.0251% | 4,094 |
| Total risk-based capital ratio | 14.1766% | 4,071 |
| Memoranda: | ||
| Average total assets | $23,092,200 | 7,907 |
| Average earning assets | $21,679,200 | 7,871 |
| Average equity | $2,147,400 | 8,088 |
| Average total loans | $16,139,400 | 7,577 |