Home > Dozier Bank > Performance and Condition Ratios
Dozier 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 | 4.4961% | 3,901 |
| Cost of funding earning assets | 1.5040% | 3,182 |
| Net interest margin | 2.9922% | 3,422 |
| Noninterest income to average assets | 0.3400% | 2,607 |
| Noninterest expense to average assets | 1.8951% | 3,748 |
| Loan and lease loss provision to assets | 0.1000% | 1,293 |
| Net operating income to assets | 0.7507% | 2,972 |
| Return on assets (ROA) | 0.7507% | 2,978 |
| Pretax return on assets | 1.1152% | 2,464 |
| Return on Equity (ROE) | 3.3400% | 3,808 |
| Retained earnings to average equity (ytd only) | -5.9912% | 4,131 |
| Net charge-offs to loans | 0.0183% | 1,645 |
| Credit loss provision to net charge-offs | 700.0000% | 427 |
| Earnings coverage of net charge-offs (x) | 167.0000% | 488 |
| Efficiency ratio | 60.8899% | 2,846 |
| Assets per employee ($millions) | 10.9118% | 603 |
| Cash dividends to net income (ytd only)* | 279.6117% | 82 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0005% | 3,226 |
| Loan loss allowance to noncurrent loans | 138.7500% | 2,577 |
| Noncurrent assets plus other real estate owned to assets | 0.7515% | 1,013 |
| Noncurrent loans to loans | 0.7211% | 1,429 |
| Net loans and leases to total assets | 40.2600% | 3,966 |
| Net loans and leases to deposits | 53.4414% | 3,746 |
| Net loans and leases to core deposits | 56.0829% | 3,826 |
| Total domestic deposits to total assets | 75.3400% | 4,019 |
| Equity capital to assets | 22.6397% | 233 |
| Core capital (leverage) ratio | 25.5442% | 161 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $54,878,500 | 4,182 |
| Average earning assets | $50,799,500 | 4,155 |
| Average equity | $12,351,500 | 3,587 |
| Average total loans | $21,873,000 | 4,184 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9310% | 3,215 |
| Cost of funding earning assets | 1.7550% | 2,839 |
| Net interest margin | 3.1760% | 2,771 |
| Noninterest income to average assets | 0.2000% | 3,704 |
| Noninterest expense to average assets | 1.7798% | 3,982 |
| Loan and lease loss provision to assets | 0.0600% | 2,000 |
| Net operating income to assets | 0.8981% | 2,391 |
| Return on assets (ROA) | 0.8981% | 2,392 |
| Pretax return on assets | 1.2870% | 1,786 |
| Return on Equity (ROE) | 4.0600% | 3,693 |
| Retained earnings to average equity (ytd only) | 2.8684% | 3,093 |
| Net charge-offs to loans | 0.1291% | 998 |
| Credit loss provision to net charge-offs | 125.0000% | 1,610 |
| Earnings coverage of net charge-offs (x) | 26.4286% | 1,621 |
| Efficiency ratio | 56.8513% | 3,472 |
| Assets per employee ($millions) | 11.0396% | 566 |
| Cash dividends to net income (ytd only)* | 29.2683% | 2,607 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0019% | 3,216 |
| Loan loss allowance to noncurrent loans | 120.6704% | 2,776 |
| Noncurrent assets plus other real estate owned to assets | 0.8370% | 854 |
| Noncurrent loans to loans | 0.8303% | 1,206 |
| Net loans and leases to total assets | 38.6600% | 4,044 |
| Net loans and leases to deposits | 51.0391% | 3,883 |
| Net loans and leases to core deposits | 53.4914% | 3,938 |
| Total domestic deposits to total assets | 75.7500% | 3,968 |
| Equity capital to assets | 22.3758% | 233 |
| Core capital (leverage) ratio | 25.4586% | 152 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $54,780,000 | 4,189 |
| Average earning assets | $50,598,600 | 4,168 |
| Average equity | $12,132,400 | 3,590 |
| Average total loans | $21,695,000 | 4,196 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9053% | 3,106 |
| Cost of funding earning assets | 1.8095% | 2,593 |
| Net interest margin | 3.0958% | 2,859 |
| Noninterest income to average assets | 0.1800% | 3,804 |
| Noninterest expense to average assets | 1.7942% | 3,946 |
| Loan and lease loss provision to assets | 0.1000% | 1,186 |
| Net operating income to assets | 0.8659% | 2,401 |
| Return on assets (ROA) | 0.8659% | 2,418 |
| Pretax return on assets | 1.1338% | 2,115 |
| Return on Equity (ROE) | 3.9700% | 3,726 |
| Retained earnings to average equity (ytd only) | 2.0347% | 3,341 |
| Net charge-offs to loans | 0.0000% | 2,619 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 59.2727% | 3,275 |
| Assets per employee ($millions) | 10.9604% | 551 |
| Cash dividends to net income (ytd only)* | 48.7288% | 1,505 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0498% | 3,029 |
| Loan loss allowance to noncurrent loans | 637.8378% | 1,069 |
| Noncurrent assets plus other real estate owned to assets | 0.0675% | 3,208 |
| Noncurrent loans to loans | 0.1646% | 2,847 |
| Net loans and leases to total assets | 40.5900% | 4,019 |
| Net loans and leases to deposits | 53.0706% | 3,845 |
| Net loans and leases to core deposits | 55.6350% | 3,918 |
| Total domestic deposits to total assets | 76.4800% | 3,861 |
| Equity capital to assets | 21.9426% | 232 |
| Core capital (leverage) ratio | 25.0730% | 155 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $54,507,667 | 4,232 |
| Average earning assets | $50,068,000 | 4,216 |
| Average equity | $11,893,667 | 3,603 |
| Average total loans | $21,367,667 | 4,244 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7557% | 3,231 |
| Cost of funding earning assets | 1.7884% | 2,540 |
| Net interest margin | 2.9673% | 3,053 |
| Noninterest income to average assets | 0.1800% | 3,777 |
| Noninterest expense to average assets | 1.8175% | 3,927 |
| Loan and lease loss provision to assets | 0.1800% | 570 |
| Net operating income to assets | 0.6622% | 2,969 |
| Return on assets (ROA) | 0.6622% | 2,997 |
| Pretax return on assets | 0.9124% | 2,632 |
| Return on Equity (ROE) | 3.0400% | 3,844 |
| Retained earnings to average equity (ytd only) | -0.8455% | 3,837 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 62.5316% | 2,975 |
| Assets per employee ($millions) | 10.8202% | 577 |
| Cash dividends to net income (ytd only)* | 127.7778% | 370 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0747% | 2,929 |
| Loan loss allowance to noncurrent loans | 582.5000% | 1,222 |
| Noncurrent assets plus other real estate owned to assets | 0.0739% | 3,158 |
| Noncurrent loans to loans | 0.1845% | 2,701 |
| Net loans and leases to total assets | 39.6400% | 4,033 |
| Net loans and leases to deposits | 51.7881% | 3,861 |
| Net loans and leases to core deposits | 54.3003% | 3,959 |
| Total domestic deposits to total assets | 76.5500% | 3,938 |
| Equity capital to assets | 21.7926% | 236 |
| Core capital (leverage) ratio | 25.2809% | 158 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $54,360,500 | 4,259 |
| Average earning assets | $49,877,500 | 4,244 |
| Average equity | $11,828,000 | 3,616 |
| Average total loans | $20,811,500 | 4,276 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1968% | 3,628 |
| Cost of funding earning assets | 1.5283% | 1,871 |
| Net interest margin | 2.6685% | 3,864 |
| Noninterest income to average assets | 0.2400% | 3,502 |
| Noninterest expense to average assets | 1.8992% | 3,839 |
| Loan and lease loss provision to assets | 0.1400% | 913 |
| Net operating income to assets | 0.4494% | 3,769 |
| Return on assets (ROA) | 0.4494% | 3,772 |
| Pretax return on assets | 0.6018% | 3,630 |
| Return on Equity (ROE) | 1.9900% | 4,150 |
| Retained earnings to average equity (ytd only) | 1.6170% | 3,674 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 71.8404% | 1,674 |
| Assets per employee ($millions) | 10.9240% | 533 |
| Cash dividends to net income (ytd only)* | 18.6957% | 2,979 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0480% | 3,078 |
| Loan loss allowance to noncurrent loans | 486.0465% | 1,461 |
| Noncurrent assets plus other real estate owned to assets | 0.0787% | 3,019 |
| Noncurrent loans to loans | 0.2156% | 2,449 |
| Net loans and leases to total assets | 36.1300% | 4,151 |
| Net loans and leases to deposits | 47.1035% | 4,017 |
| Net loans and leases to core deposits | 51.5410% | 4,044 |
| Total domestic deposits to total assets | 76.7000% | 3,872 |
| Equity capital to assets | 21.7246% | 248 |
| Core capital (leverage) ratio | 25.7280% | 156 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $51,178,600 | 4,311 |
| Average earning assets | $46,130,200 | 4,290 |
| Average equity | $11,564,800 | 3,568 |
| Average total loans | $15,953,200 | 4,339 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0611% | 3,730 |
| Cost of funding earning assets | 1.4365% | 1,774 |
| Net interest margin | 2.6246% | 3,994 |
| Noninterest income to average assets | 0.2500% | 3,449 |
| Noninterest expense to average assets | 1.8522% | 3,880 |
| Loan and lease loss provision to assets | 0.1300% | 897 |
| Net operating income to assets | 0.4955% | 3,774 |
| Return on assets (ROA) | 0.4955% | 3,773 |
| Pretax return on assets | 0.6227% | 3,702 |
| Return on Equity (ROE) | 2.1700% | 4,179 |
| Retained earnings to average equity (ytd only) | 1.6710% | 3,800 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 71.1089% | 1,666 |
| Assets per employee ($millions) | 10.4060% | 594 |
| Cash dividends to net income (ytd only)* | 22.9947% | 2,343 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0235% | 3,240 |
| Loan loss allowance to noncurrent loans | 411.1111% | 1,645 |
| Noncurrent assets plus other real estate owned to assets | 0.0865% | 3,016 |
| Noncurrent loans to loans | 0.2489% | 2,346 |
| Net loans and leases to total assets | 34.3900% | 4,235 |
| Net loans and leases to deposits | 44.6929% | 4,086 |
| Net loans and leases to core deposits | 49.1187% | 4,061 |
| Total domestic deposits to total assets | 76.9400% | 3,932 |
| Equity capital to assets | 21.5164% | 249 |
| Core capital (leverage) ratio | 26.2086% | 148 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $50,318,250 | 4,334 |
| Average earning assets | $45,109,750 | 4,317 |
| Average equity | $11,489,500 | 3,577 |
| Average total loans | $14,955,750 | 4,372 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9276% | 3,821 |
| Cost of funding earning assets | 1.3033% | 1,702 |
| Net interest margin | 2.6243% | 4,082 |
| Noninterest income to average assets | 0.2800% | 3,229 |
| Noninterest expense to average assets | 1.8132% | 3,972 |
| Loan and lease loss provision to assets | 0.1600% | 694 |
| Net operating income to assets | 0.5146% | 3,777 |
| Return on assets (ROA) | 0.5146% | 3,786 |
| Pretax return on assets | 0.6794% | 3,643 |
| Return on Equity (ROE) | 2.2100% | 4,244 |
| Retained earnings to average equity (ytd only) | 2.2092% | 3,670 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 68.4370% | 1,930 |
| Assets per employee ($millions) | 10.1872% | 638 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0778% | 3,049 |
| Loan loss allowance to noncurrent loans | 372.3404% | 1,892 |
| Noncurrent assets plus other real estate owned to assets | 0.0923% | 2,892 |
| Noncurrent loans to loans | 0.2895% | 2,098 |
| Net loans and leases to total assets | 31.5300% | 4,296 |
| Net loans and leases to deposits | 41.6448% | 4,170 |
| Net loans and leases to core deposits | 45.6061% | 4,136 |
| Total domestic deposits to total assets | 75.7200% | 4,071 |
| Equity capital to assets | 22.7678% | 214 |
| Core capital (leverage) ratio | 28.1328% | 132 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $49,747,667 | 4,357 |
| Average earning assets | $44,964,333 | 4,337 |
| Average equity | $11,587,667 | 3,581 |
| Average total loans | $13,915,667 | 4,414 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8267% | 3,804 |
| Cost of funding earning assets | 1.0600% | 1,859 |
| Net interest margin | 2.7667% | 3,992 |
| Noninterest income to average assets | 0.3800% | 2,520 |
| Noninterest expense to average assets | 1.6601% | 4,240 |
| Loan and lease loss provision to assets | 0.2100% | 475 |
| Net operating income to assets | 0.8219% | 3,128 |
| Return on assets (ROA) | 0.8219% | 3,077 |
| Pretax return on assets | 1.0172% | 2,943 |
| Return on Equity (ROE) | 3.4900% | 4,119 |
| Retained earnings to average equity (ytd only) | 3.4879% | 3,393 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 57.4648% | 3,248 |
| Assets per employee ($millions) | 10.3284% | 628 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1950% | 2,581 |
| Loan loss allowance to noncurrent loans | 1,620.0000% | 690 |
| Noncurrent assets plus other real estate owned to assets | 0.0194% | 3,613 |
| Noncurrent loans to loans | 0.0738% | 3,206 |
| Net loans and leases to total assets | 25.9400% | 4,452 |
| Net loans and leases to deposits | 34.1780% | 4,375 |
| Net loans and leases to core deposits | 37.7945% | 4,321 |
| Total domestic deposits to total assets | 75.8900% | 4,166 |
| Equity capital to assets | 22.6269% | 183 |
| Core capital (leverage) ratio | 28.2475% | 138 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $49,153,500 | 4,424 |
| Average earning assets | $44,529,000 | 4,404 |
| Average equity | $11,583,000 | 3,609 |
| Average total loans | $12,755,000 | 4,486 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9637% | 4,174 |
| Cost of funding earning assets | 0.2627% | 3,223 |
| Net interest margin | 2.7010% | 4,052 |
| Noninterest income to average assets | 0.2100% | 3,885 |
| Noninterest expense to average assets | 1.9343% | 3,761 |
| Loan and lease loss provision to assets | 0.0100% | 2,705 |
| Net operating income to assets | 0.5625% | 3,959 |
| Return on assets (ROA) | 0.5625% | 3,927 |
| Pretax return on assets | 0.6812% | 3,892 |
| Return on Equity (ROE) | 4.2800% | 4,119 |
| Retained earnings to average equity (ytd only) | 4.2777% | 3,310 |
| Net charge-offs to loans | 0.0091% | 2,043 |
| Credit loss provision to net charge-offs | 500.0000% | 676 |
| Earnings coverage of net charge-offs (x) | 292.0000% | 499 |
| Efficiency ratio | 73.6224% | 1,256 |
| Assets per employee ($millions) | 9.3330% | 823 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1461% | 2,667 |
| Loan loss allowance to noncurrent loans | 1,245.4545% | 836 |
| Noncurrent assets plus other real estate owned to assets | 0.0236% | 3,600 |
| Noncurrent loans to loans | 0.0920% | 3,101 |
| Net loans and leases to total assets | 25.3200% | 4,487 |
| Net loans and leases to deposits | 35.3527% | 4,360 |
| Net loans and leases to core deposits | 38.6619% | 4,315 |
| Total domestic deposits to total assets | 71.6300% | 4,437 |
| Equity capital to assets | 24.6030% | 154 |
| Core capital (leverage) ratio | 31.9691% | 118 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $42,134,000 | 4,508 |
| Average earning assets | $37,689,800 | 4,502 |
| Average equity | $5,540,400 | 4,380 |
| Average total loans | $10,972,600 | 4,543 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8163% | 4,178 |
| Cost of funding earning assets | 0.2447% | 2,763 |
| Net interest margin | 2.5715% | 4,133 |
| Noninterest income to average assets | 0.2200% | 3,870 |
| Noninterest expense to average assets | 2.0064% | 3,469 |
| Loan and lease loss provision to assets | 0.0100% | 2,534 |
| Net operating income to assets | 0.4357% | 4,186 |
| Return on assets (ROA) | 0.4357% | 4,133 |
| Pretax return on assets | 0.4943% | 4,158 |
| Return on Equity (ROE) | 4.4100% | 4,089 |
| Retained earnings to average equity (ytd only) | 4.4057% | 3,325 |
| Net charge-offs to loans | 0.0124% | 1,654 |
| Credit loss provision to net charge-offs | 300.0000% | 808 |
| Earnings coverage of net charge-offs (x) | 154.0000% | 738 |
| Efficiency ratio | 80.0259% | 775 |
| Assets per employee ($millions) | 8.1576% | 1,239 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1985% | 2,538 |
| Loan loss allowance to noncurrent loans | 1,218.1818% | 833 |
| Noncurrent assets plus other real estate owned to assets | 0.0270% | 3,661 |
| Noncurrent loans to loans | 0.0984% | 3,175 |
| Net loans and leases to total assets | 27.0800% | 4,480 |
| Net loans and leases to deposits | 29.7787% | 4,501 |
| Net loans and leases to core deposits | 32.5515% | 4,472 |
| Total domestic deposits to total assets | 90.9500% | 1,264 |
| Equity capital to assets | 7.2154% | 3,397 |
| Core capital (leverage) ratio | 14.1229% | 658 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $41,001,250 | 4,551 |
| Average earning assets | $36,501,250 | 4,546 |
| Average equity | $4,055,250 | 4,572 |
| Average total loans | $10,727,250 | 4,582 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6614% | 4,198 |
| Cost of funding earning assets | 0.2173% | 2,675 |
| Net interest margin | 2.4442% | 4,169 |
| Noninterest income to average assets | 0.2143% | 3,918 |
| Noninterest expense to average assets | 2.0013% | 3,427 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.3360% | 4,223 |
| Return on assets (ROA) | 0.3360% | 4,180 |
| Pretax return on assets | 0.4042% | 4,152 |
| Return on Equity (ROE) | 3.1179% | 4,197 |
| Retained earnings to average equity (ytd only) | 3.1179% | 3,409 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.1984% | 727 |
| Assets per employee ($millions) | 6.7662% | 2,102 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2375% | 2,482 |
| Loan loss allowance to noncurrent loans | 1,200.0000% | 812 |
| Noncurrent assets plus other real estate owned to assets | 0.0271% | 3,713 |
| Noncurrent loans to loans | 0.1031% | 3,233 |
| Net loans and leases to total assets | 25.9502% | 4,561 |
| Net loans and leases to deposits | 28.7449% | 4,576 |
| Net loans and leases to core deposits | 31.4572% | 4,542 |
| Total domestic deposits to total assets | 90.2776% | 1,594 |
| Equity capital to assets | 7.8873% | 3,212 |
| Core capital (leverage) ratio | 13.9611% | 639 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $41,072,333 | 4,598 |
| Average earning assets | $36,822,333 | 4,603 |
| Average equity | $4,426,000 | 4,575 |
| Average total loans | $10,576,000 | 4,648 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5436% | 4,210 |
| Cost of funding earning assets | 0.2254% | 2,459 |
| Net interest margin | 2.3182% | 4,205 |
| Noninterest income to average assets | 0.2130% | 3,883 |
| Noninterest expense to average assets | 1.9366% | 3,584 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.2711% | 4,195 |
| Return on assets (ROA) | 0.2711% | 4,164 |
| Pretax return on assets | 0.3679% | 4,089 |
| Return on Equity (ROE) | 2.2231% | 4,227 |
| Retained earnings to average equity (ytd only) | 2.2231% | 3,486 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.0336% | 846 |
| Assets per employee ($millions) | 6.8043% | 2,141 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2908% | 2,408 |
| 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 | 24.7244% | 4,603 |
| Net loans and leases to deposits | 28.3818% | 4,589 |
| Net loans and leases to core deposits | 31.1486% | 4,554 |
| Total domestic deposits to total assets | 87.1136% | 2,886 |
| Equity capital to assets | 11.0199% | 1,324 |
| Core capital (leverage) ratio | 13.6943% | 632 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $41,310,000 | 4,624 |
| Average earning assets | $37,270,000 | 4,621 |
| Average equity | $5,038,000 | 4,560 |
| Average total loans | $10,530,500 | 4,671 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6381% | 4,377 |
| Cost of funding earning assets | 0.2913% | 2,492 |
| Net interest margin | 2.3469% | 4,373 |
| Noninterest income to average assets | 0.2178% | 4,059 |
| Noninterest expense to average assets | 2.0128% | 3,641 |
| Loan and lease loss provision to assets | 0.0075% | 2,936 |
| Net operating income to assets | 0.2761% | 4,450 |
| Return on assets (ROA) | 0.5533% | 4,023 |
| Pretax return on assets | 0.6734% | 3,986 |
| Return on Equity (ROE) | 3.9182% | 4,231 |
| Retained earnings to average equity (ytd only) | 3.9182% | 3,251 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.4410% | 494 |
| Assets per employee ($millions) | 6.9657% | 1,951 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2183% | 2,797 |
| Loan loss allowance to noncurrent loans | 1,100.0000% | 823 |
| Noncurrent assets plus other real estate owned to assets | 0.0287% | 3,838 |
| Noncurrent loans to loans | 0.1108% | 3,376 |
| Net loans and leases to total assets | 25.6089% | 4,635 |
| Net loans and leases to deposits | 30.1705% | 4,617 |
| Net loans and leases to core deposits | 33.3250% | 4,576 |
| Total domestic deposits to total assets | 84.8806% | 3,309 |
| Equity capital to assets | 13.3440% | 811 |
| Core capital (leverage) ratio | 13.4478% | 698 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $39,944,000 | 4,665 |
| Average earning assets | $36,389,200 | 4,655 |
| Average equity | $5,640,400 | 4,566 |
| Average total loans | $10,456,800 | 4,723 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7181% | 4,385 |
| Cost of funding earning assets | 0.3037% | 2,561 |
| Net interest margin | 2.4144% | 4,384 |
| Noninterest income to average assets | 0.2229% | 4,075 |
| Noninterest expense to average assets | 2.0499% | 3,525 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.3161% | 4,495 |
| Return on assets (ROA) | 0.6720% | 3,893 |
| Pretax return on assets | 0.7936% | 3,901 |
| Return on Equity (ROE) | 4.6909% | 4,188 |
| Retained earnings to average equity (ytd only) | 4.6909% | 3,338 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.5404% | 495 |
| Assets per employee ($millions) | 6.7090% | 2,087 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2606% | 2,678 |
| Loan loss allowance to noncurrent loans | 880.0000% | 879 |
| Noncurrent assets plus other real estate owned to assets | 0.0373% | 3,909 |
| Noncurrent loans to loans | 0.1433% | 3,396 |
| Net loans and leases to total assets | 25.6844% | 4,712 |
| Net loans and leases to deposits | 30.6078% | 4,689 |
| Net loans and leases to core deposits | 33.6534% | 4,665 |
| Total domestic deposits to total assets | 83.9146% | 3,482 |
| Equity capital to assets | 14.1874% | 691 |
| Core capital (leverage) ratio | 13.7946% | 681 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $39,481,500 | 4,736 |
| Average earning assets | $36,005,250 | 4,729 |
| Average equity | $5,656,250 | 4,634 |
| Average total loans | $10,362,250 | 4,794 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8575% | 4,275 |
| Cost of funding earning assets | 0.3076% | 2,705 |
| Net interest margin | 2.5500% | 4,250 |
| Noninterest income to average assets | 0.2193% | 4,091 |
| Noninterest expense to average assets | 1.9835% | 3,751 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.4608% | 4,285 |
| Return on assets (ROA) | 0.6323% | 3,970 |
| Pretax return on assets | 0.7699% | 3,924 |
| Return on Equity (ROE) | 4.3987% | 4,255 |
| Retained earnings to average equity (ytd only) | 4.3987% | 3,400 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.9559% | 910 |
| Assets per employee ($millions) | 6.7515% | 1,982 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2237% | 2,802 |
| Loan loss allowance to noncurrent loans | 1,100.0000% | 694 |
| Noncurrent assets plus other real estate owned to assets | 0.0296% | 4,059 |
| Noncurrent loans to loans | 0.1112% | 3,635 |
| Net loans and leases to total assets | 26.3028% | 4,742 |
| Net loans and leases to deposits | 31.2253% | 4,736 |
| Net loans and leases to core deposits | 34.2968% | 4,703 |
| Total domestic deposits to total assets | 84.2356% | 3,356 |
| Equity capital to assets | 13.8932% | 735 |
| Core capital (leverage) ratio | 13.5328% | 705 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $39,224,000 | 4,771 |
| Average earning assets | $35,765,000 | 4,759 |
| Average equity | $5,638,000 | 4,664 |
| Average total loans | $10,326,000 | 4,833 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0848% | 3,917 |
| Cost of funding earning assets | 0.3301% | 2,705 |
| Net interest margin | 2.7547% | 3,858 |
| Noninterest income to average assets | 0.2385% | 3,964 |
| Noninterest expense to average assets | 2.0321% | 3,622 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.5495% | 4,074 |
| Return on assets (ROA) | 0.5495% | 4,117 |
| Pretax return on assets | 0.7154% | 3,988 |
| Return on Equity (ROE) | 3.7569% | 4,331 |
| Retained earnings to average equity (ytd only) | 3.7569% | 3,575 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.9623% | 1,316 |
| Assets per employee ($millions) | 6.4130% | 2,244 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2622% | 2,602 |
| Loan loss allowance to noncurrent loans | 1,015.3846% | 661 |
| Noncurrent assets plus other real estate owned to assets | 0.0338% | 4,120 |
| Noncurrent loans to loans | 0.1243% | 3,690 |
| Net loans and leases to total assets | 26.8361% | 4,774 |
| Net loans and leases to deposits | 32.0962% | 4,764 |
| Net loans and leases to core deposits | 34.9844% | 4,740 |
| Total domestic deposits to total assets | 83.6114% | 3,542 |
| Equity capital to assets | 14.3667% | 598 |
| Core capital (leverage) ratio | 14.1433% | 629 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $38,581,500 | 4,800 |
| Average earning assets | $35,139,500 | 4,784 |
| Average equity | $5,643,000 | 4,679 |
| Average total loans | $10,095,500 | 4,859 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1323% | 4,528 |
| Cost of funding earning assets | 0.4522% | 3,267 |
| Net interest margin | 2.6801% | 4,406 |
| Noninterest income to average assets | 0.2624% | 3,907 |
| Noninterest expense to average assets | 2.0311% | 4,083 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.5741% | 3,834 |
| Return on assets (ROA) | 0.5741% | 3,941 |
| Pretax return on assets | 0.6615% | 3,961 |
| Return on Equity (ROE) | 3.7813% | 4,205 |
| Retained earnings to average equity (ytd only) | 3.7813% | 2,926 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4315% | 1,298 |
| Assets per employee ($millions) | 6.4475% | 1,956 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3562% | 2,165 |
| 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 | 24.8184% | 4,839 |
| Net loans and leases to deposits | 29.8501% | 4,836 |
| Net loans and leases to core deposits | 32.5358% | 4,827 |
| Total domestic deposits to total assets | 83.1433% | 3,366 |
| Equity capital to assets | 14.8843% | 591 |
| Core capital (leverage) ratio | 14.1249% | 663 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $36,582,000 | 4,814 |
| Average earning assets | $33,170,400 | 4,808 |
| Average equity | $5,553,600 | 4,692 |
| Average total loans | $9,107,400 | 4,900 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2821% | 4,498 |
| Cost of funding earning assets | 0.4811% | 3,351 |
| Net interest margin | 2.8010% | 4,341 |
| Noninterest income to average assets | 0.2773% | 3,819 |
| Noninterest expense to average assets | 2.0338% | 4,081 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.6656% | 3,578 |
| Return on assets (ROA) | 0.6656% | 3,682 |
| Pretax return on assets | 0.7839% | 3,685 |
| Return on Equity (ROE) | 4.3615% | 4,077 |
| Retained earnings to average equity (ytd only) | 4.3615% | 2,869 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.1785% | 1,622 |
| Assets per employee ($millions) | 6.2043% | 2,080 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2855% | 2,218 |
| 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 | 27.2283% | 4,866 |
| Net loans and leases to deposits | 33.0055% | 4,866 |
| Net loans and leases to core deposits | 36.1265% | 4,842 |
| Total domestic deposits to total assets | 82.4961% | 3,288 |
| Equity capital to assets | 15.4220% | 552 |
| Core capital (leverage) ratio | 14.3388% | 648 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $36,056,250 | 4,845 |
| Average earning assets | $32,701,750 | 4,840 |
| Average equity | $5,502,500 | 4,719 |
| Average total loans | $8,951,000 | 4,936 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5505% | 4,351 |
| Cost of funding earning assets | 0.5134% | 3,451 |
| Net interest margin | 3.0371% | 4,042 |
| Noninterest income to average assets | 0.2972% | 3,689 |
| Noninterest expense to average assets | 2.0075% | 4,221 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.8467% | 2,880 |
| Return on assets (ROA) | 0.8467% | 2,991 |
| Pretax return on assets | 1.0430% | 2,893 |
| Return on Equity (ROE) | 5.5689% | 3,644 |
| Retained earnings to average equity (ytd only) | 5.5689% | 2,250 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8088% | 2,551 |
| Assets per employee ($millions) | 6.2193% | 2,012 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3743% | 1,675 |
| 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 | 25.3859% | 4,919 |
| Net loans and leases to deposits | 30.6997% | 4,921 |
| Net loans and leases to core deposits | 33.5862% | 4,908 |
| Total domestic deposits to total assets | 82.6911% | 3,182 |
| Equity capital to assets | 15.1999% | 588 |
| Core capital (leverage) ratio | 14.2643% | 698 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $35,666,333 | 4,871 |
| Average earning assets | $32,333,333 | 4,869 |
| Average equity | $5,423,000 | 4,752 |
| Average total loans | $8,512,000 | 4,974 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2195% | 4,860 |
| Cost of funding earning assets | 0.5197% | 3,849 |
| Net interest margin | 2.6998% | 4,671 |
| Noninterest income to average assets | 0.3100% | 3,659 |
| Noninterest expense to average assets | 2.0091% | 4,377 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.7118% | 3,238 |
| Return on assets (ROA) | 0.7118% | 3,314 |
| Pretax return on assets | 0.7462% | 3,554 |
| Return on Equity (ROE) | 4.6806% | 3,755 |
| Retained earnings to average equity (ytd only) | 4.6806% | 2,426 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9167% | 1,949 |
| Assets per employee ($millions) | 5.7847% | 1,854 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6688% | 920 |
| Loan loss allowance to noncurrent loans | 507.6923% | 954 |
| Noncurrent assets plus other real estate owned to assets | 0.0749% | 4,228 |
| Noncurrent loans to loans | 0.3287% | 3,316 |
| Net loans and leases to total assets | 22.4098% | 4,989 |
| Net loans and leases to deposits | 27.1844% | 4,998 |
| Net loans and leases to core deposits | 29.9592% | 4,989 |
| Total domestic deposits to total assets | 82.4363% | 3,281 |
| Equity capital to assets | 15.3913% | 697 |
| Core capital (leverage) ratio | 14.8743% | 705 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $34,841,500 | 4,914 |
| Average earning assets | $31,558,000 | 4,911 |
| Average equity | $5,298,500 | 4,805 |
| Average total loans | $7,965,500 | 5,028 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3900% | 4,923 |
| Cost of funding earning assets | 0.4974% | 4,100 |
| Net interest margin | 2.8926% | 4,665 |
| Noninterest income to average assets | 0.3277% | 3,735 |
| Noninterest expense to average assets | 2.5043% | 3,438 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.3979% | 4,593 |
| Return on assets (ROA) | 0.3979% | 4,628 |
| Pretax return on assets | 0.4096% | 4,696 |
| Return on Equity (ROE) | 2.6474% | 4,719 |
| Retained earnings to average equity (ytd only) | 1.7714% | 4,099 |
| Net charge-offs to loans | -0.0254% | 4,676 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.9438% | 544 |
| Assets per employee ($millions) | 4.9964% | 2,603 |
| Cash dividends to net income (ytd only)* | 33.0882% | 2,937 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6457% | 893 |
| 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 | 22.5561% | 5,053 |
| Net loans and leases to deposits | 27.2429% | 5,056 |
| Net loans and leases to core deposits | 29.7048% | 5,050 |
| Total domestic deposits to total assets | 82.7963% | 3,272 |
| Equity capital to assets | 15.0250% | 786 |
| Core capital (leverage) ratio | 14.7520% | 733 |
| Tier 1 risk-based capital ratio | 39.0097% | 253 |
| Total risk-based capital ratio | 40.0030% | 254 |
| Memoranda: | ||
| Average total assets | $34,181,600 | 4,973 |
| Average earning assets | $30,560,800 | 4,979 |
| Average equity | $5,137,200 | 4,867 |
| Average total loans | $7,872,000 | 5,092 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4169% | 5,016 |
| Cost of funding earning assets | 0.4925% | 4,173 |
| Net interest margin | 2.9244% | 4,734 |
| Noninterest income to average assets | 0.3296% | 3,773 |
| Noninterest expense to average assets | 2.5110% | 3,406 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.4120% | 4,699 |
| Return on assets (ROA) | 0.4120% | 4,726 |
| Pretax return on assets | 0.4277% | 4,779 |
| Return on Equity (ROE) | 2.7409% | 4,809 |
| Retained earnings to average equity (ytd only) | 1.5662% | 4,408 |
| Net charge-offs to loans | -0.0341% | 4,733 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.4473% | 529 |
| Assets per employee ($millions) | 5.1949% | 2,344 |
| Cash dividends to net income (ytd only)* | 42.8571% | 2,027 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7266% | 775 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 20.6605% | 5,156 |
| Net loans and leases to deposits | 24.7987% | 5,156 |
| Net loans and leases to core deposits | 26.9322% | 5,148 |
| Total domestic deposits to total assets | 83.3132% | 3,060 |
| Equity capital to assets | 14.4429% | 996 |
| Core capital (leverage) ratio | 14.2147% | 928 |
| Tier 1 risk-based capital ratio | 37.8364% | 285 |
| Total risk-based capital ratio | 38.8343% | 283 |
| Memoranda: | ||
| Average total assets | $33,983,250 | 5,051 |
| Average earning assets | $30,318,750 | 5,055 |
| Average equity | $5,107,750 | 4,937 |
| Average total loans | $7,834,750 | 5,171 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4621% | 5,038 |
| Cost of funding earning assets | 0.4625% | 4,273 |
| Net interest margin | 2.9996% | 4,689 |
| Noninterest income to average assets | 0.3254% | 3,762 |
| Noninterest expense to average assets | 2.5550% | 3,318 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.4098% | 4,717 |
| Return on assets (ROA) | 0.4098% | 4,739 |
| Pretax return on assets | 0.4278% | 4,798 |
| Return on Equity (ROE) | 2.6879% | 4,841 |
| Retained earnings to average equity (ytd only) | 0.9092% | 4,463 |
| Net charge-offs to loans | -0.0253% | 4,628 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.6566% | 564 |
| Assets per employee ($millions) | 4.7799% | 2,767 |
| Cash dividends to net income (ytd only)* | 66.1765% | 1,216 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7060% | 805 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 22.5590% | 5,187 |
| Net loans and leases to deposits | 27.5404% | 5,190 |
| Net loans and leases to core deposits | 28.2623% | 5,191 |
| Total domestic deposits to total assets | 81.9122% | 3,536 |
| Equity capital to assets | 15.6819% | 676 |
| Core capital (leverage) ratio | 15.4690% | 623 |
| Tier 1 risk-based capital ratio | 35.3116% | 327 |
| Total risk-based capital ratio | 36.2156% | 335 |
| Memoranda: | ||
| Average total assets | $33,189,670 | 5,103 |
| Average earning assets | $29,404,330 | 5,109 |
| Average equity | $5,059,670 | 4,978 |
| Average total loans | $7,898,000 | 5,220 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3938% | 5,115 |
| Cost of funding earning assets | 0.3953% | 4,503 |
| Net interest margin | 2.9985% | 4,753 |
| Noninterest income to average assets | 0.3146% | 3,758 |
| Noninterest expense to average assets | 2.5896% | 3,244 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.3630% | 4,808 |
| Return on assets (ROA) | 0.3630% | 4,817 |
| Pretax return on assets | 0.3872% | 4,854 |
| Return on Equity (ROE) | 2.4164% | 4,908 |
| Retained earnings to average equity (ytd only) | -1.2082% | 4,678 |
| Net charge-offs to loans | -0.0500% | 4,831 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.9919% | 527 |
| Assets per employee ($millions) | 4.7256% | 2,882 |
| Cash dividends to net income (ytd only)* | 150.0000% | 325 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6806% | 898 |
| 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 | 23.1688% | 5,245 |
| Net loans and leases to deposits | 28.0835% | 5,236 |
| Net loans and leases to core deposits | 29.0986% | 5,239 |
| Total domestic deposits to total assets | 82.4995% | 3,583 |
| Equity capital to assets | 15.1909% | 713 |
| Core capital (leverage) ratio | 15.3888% | 619 |
| Tier 1 risk-based capital ratio | 36.8505% | 281 |
| Total risk-based capital ratio | 37.8012% | 285 |
| Memoranda: | ||
| Average total assets | $33,055,000 | 5,163 |
| Average earning assets | $29,348,000 | 5,163 |
| Average equity | $4,966,000 | 5,031 |
| Average total loans | $8,007,500 | 5,278 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3548% | 5,044 |
| Cost of funding earning assets | 0.3208% | 4,459 |
| Net interest margin | 3.0341% | 4,760 |
| Noninterest income to average assets | 0.3469% | 3,791 |
| Noninterest expense to average assets | 2.4081% | 3,857 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.6181% | 4,366 |
| Return on assets (ROA) | 0.6181% | 4,377 |
| Pretax return on assets | 0.6414% | 4,556 |
| Return on Equity (ROE) | 4.4480% | 4,596 |
| Retained earnings to average equity (ytd only) | 4.4480% | 3,084 |
| Net charge-offs to loans | 0.0130% | 3,246 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 220.0000% | 419 |
| Efficiency ratio | 78.9675% | 1,042 |
| Assets per employee ($millions) | 4.7187% | 2,846 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5815% | 1,067 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 24.4921% | 5,276 |
| Net loans and leases to deposits | 29.5439% | 5,275 |
| Net loans and leases to core deposits | 30.1225% | 5,276 |
| Total domestic deposits to total assets | 82.9009% | 3,364 |
| Equity capital to assets | 14.8557% | 741 |
| Core capital (leverage) ratio | 14.9299% | 710 |
| Tier 1 risk-based capital ratio | 37.5710% | 263 |
| Total risk-based capital ratio | 38.5302% | 270 |
| Memoranda: | ||
| Average total assets | $34,300,400 | 5,185 |
| Average earning assets | $30,553,200 | 5,188 |
| Average equity | $4,766,200 | 5,084 |
| Average total loans | $7,675,200 | 5,328 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2940% | 5,126 |
| Cost of funding earning assets | 0.3203% | 4,378 |
| Net interest margin | 2.9737% | 4,882 |
| Noninterest income to average assets | 0.3389% | 3,888 |
| Noninterest expense to average assets | 2.4187% | 3,809 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.5392% | 4,670 |
| Return on assets (ROA) | 0.5392% | 4,678 |
| Pretax return on assets | 0.5662% | 4,789 |
| Return on Equity (ROE) | 3.9455% | 4,828 |
| Retained earnings to average equity (ytd only) | 3.9455% | 3,801 |
| Net charge-offs to loans | 0.0354% | 2,377 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 73.4082% | 926 |
| Efficiency ratio | 81.0323% | 857 |
| Assets per employee ($millions) | 5.6578% | 1,768 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5089% | 1,318 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 24.8034% | 5,340 |
| Net loans and leases to deposits | 29.5719% | 5,342 |
| Net loans and leases to core deposits | 29.5719% | 5,351 |
| Total domestic deposits to total assets | 83.8749% | 2,988 |
| Equity capital to assets | 13.7243% | 1,048 |
| Core capital (leverage) ratio | 14.5621% | 806 |
| Tier 1 risk-based capital ratio | 37.0179% | 277 |
| Total risk-based capital ratio | 37.9692% | 274 |
| Memoranda: | ||
| Average total assets | $34,617,750 | 5,248 |
| Average earning assets | $30,803,000 | 5,253 |
| Average equity | $4,731,000 | 5,149 |
| Average total loans | $7,539,000 | 5,402 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2139% | 5,213 |
| Cost of funding earning assets | 0.3092% | 4,357 |
| Net interest margin | 2.9048% | 5,008 |
| Noninterest income to average assets | 0.3444% | 3,873 |
| Noninterest expense to average assets | 2.3880% | 3,932 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.5224% | 4,696 |
| Return on assets (ROA) | 0.5224% | 4,701 |
| Pretax return on assets | 0.5453% | 4,825 |
| Return on Equity (ROE) | 3.8275% | 4,861 |
| Retained earnings to average equity (ytd only) | 3.8275% | 3,688 |
| Net charge-offs to loans | 0.0555% | 1,812 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 47.5000% | 1,161 |
| Efficiency ratio | 81.4090% | 883 |
| Assets per employee ($millions) | 5.8582% | 1,591 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6511% | 988 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 21.8612% | 5,429 |
| Net loans and leases to deposits | 25.9069% | 5,432 |
| Net loans and leases to core deposits | 25.9069% | 5,435 |
| Total domestic deposits to total assets | 84.3836% | 2,921 |
| Equity capital to assets | 13.3574% | 1,161 |
| Core capital (leverage) ratio | 13.6295% | 1,023 |
| Tier 1 risk-based capital ratio | 37.5040% | 271 |
| Total risk-based capital ratio | 38.5340% | 272 |
| Memoranda: | ||
| Average total assets | $34,841,330 | 5,311 |
| Average earning assets | $31,052,330 | 5,318 |
| Average equity | $4,755,000 | 5,202 |
| Average total loans | $7,202,330 | 5,467 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1381% | 5,288 |
| Cost of funding earning assets | 0.2841% | 4,469 |
| Net interest margin | 2.8540% | 5,092 |
| Noninterest income to average assets | 0.3575% | 3,752 |
| Noninterest expense to average assets | 2.3755% | 4,006 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.4959% | 4,707 |
| Return on assets (ROA) | 0.4959% | 4,716 |
| Pretax return on assets | 0.5305% | 4,826 |
| Return on Equity (ROE) | 3.5946% | 4,868 |
| Retained earnings to average equity (ytd only) | 3.5946% | 3,763 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.7460% | 975 |
| Assets per employee ($millions) | 5.7548% | 1,721 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8637% | 700 |
| Loan loss allowance to noncurrent loans | 873.3333% | 658 |
| Noncurrent assets plus other real estate owned to assets | 0.0434% | 4,892 |
| Noncurrent loans to loans | 0.2134% | 4,018 |
| Net loans and leases to total assets | 19.9774% | 5,506 |
| Net loans and leases to deposits | 23.7322% | 5,503 |
| Net loans and leases to core deposits | 23.7322% | 5,507 |
| Total domestic deposits to total assets | 84.1785% | 3,252 |
| Equity capital to assets | 13.6089% | 1,016 |
| Core capital (leverage) ratio | 13.8381% | 906 |
| Tier 1 risk-based capital ratio | 33.0993% | 371 |
| Total risk-based capital ratio | 34.0282% | 376 |
| Memoranda: | ||
| Average total assets | $34,687,500 | 5,369 |
| Average earning assets | $30,974,500 | 5,374 |
| Average equity | $4,785,000 | 5,249 |
| Average total loans | $6,897,000 | 5,534 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1283% | 5,259 |
| Cost of funding earning assets | 0.3125% | 4,018 |
| Net interest margin | 2.8157% | 5,149 |
| Noninterest income to average assets | 0.3713% | 3,814 |
| Noninterest expense to average assets | 2.4149% | 4,037 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.4296% | 4,590 |
| Return on assets (ROA) | 0.4830% | 4,447 |
| Pretax return on assets | 0.5304% | 4,880 |
| Return on Equity (ROE) | 3.4653% | 4,696 |
| Retained earnings to average equity (ytd only) | -1.4823% | 5,224 |
| Net charge-offs to loans | 0.1813% | 1,382 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 14.0833% | 2,355 |
| Efficiency ratio | 83.6557% | 799 |
| Assets per employee ($millions) | 5.8077% | 1,649 |
| Cash dividends to net income (ytd only)* | 142.7746% | 154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9364% | 603 |
| Loan loss allowance to noncurrent loans | 6,550.0000% | 146 |
| Noncurrent assets plus other real estate owned to assets | 0.0057% | 5,162 |
| Noncurrent loans to loans | 0.0296% | 4,878 |
| Net loans and leases to total assets | 19.0381% | 5,576 |
| Net loans and leases to deposits | 22.6858% | 5,582 |
| Net loans and leases to core deposits | 22.6858% | 5,581 |
| Total domestic deposits to total assets | 83.9207% | 3,238 |
| Equity capital to assets | 13.9786% | 921 |
| Core capital (leverage) ratio | 13.7280% | 905 |
| Tier 1 risk-based capital ratio | 37.3956% | 268 |
| Total risk-based capital ratio | 38.4377% | 267 |
| Memoranda: | ||
| Average total assets | $35,819,200 | 5,400 |
| Average earning assets | $31,998,600 | 5,406 |
| Average equity | $4,992,400 | 5,273 |
| Average total loans | $6,619,000 | 5,599 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1250% | 5,308 |
| Cost of funding earning assets | 0.3229% | 3,914 |
| Net interest margin | 2.8021% | 5,213 |
| Noninterest income to average assets | 0.3660% | 3,909 |
| Noninterest expense to average assets | 2.1887% | 4,551 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.6340% | 4,255 |
| Return on assets (ROA) | 0.7062% | 4,012 |
| Pretax return on assets | 0.7579% | 4,458 |
| Return on Equity (ROE) | 5.0701% | 4,508 |
| Retained earnings to average equity (ytd only) | 1.4864% | 4,824 |
| Net charge-offs to loans | 0.2431% | 882 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 15.3331% | 2,235 |
| Efficiency ratio | 76.2887% | 1,546 |
| Assets per employee ($millions) | 5.6618% | 1,764 |
| Cash dividends to net income (ytd only)* | 70.6825% | 934 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9933% | 575 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 18.9603% | 5,644 |
| Net loans and leases to deposits | 22.9413% | 5,644 |
| Net loans and leases to core deposits | 23.1999% | 5,643 |
| Total domestic deposits to total assets | 82.6470% | 3,572 |
| Equity capital to assets | 15.0481% | 718 |
| Core capital (leverage) ratio | 13.9471% | 904 |
| Tier 1 risk-based capital ratio | 38.9673% | 235 |
| Total risk-based capital ratio | 40.0292% | 236 |
| Memoranda: | ||
| Average total assets | $36,062,500 | 5,457 |
| Average earning assets | $32,212,500 | 5,458 |
| Average equity | $5,022,750 | 5,329 |
| Average total loans | $6,582,500 | 5,664 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0991% | 5,347 |
| Cost of funding earning assets | 0.3294% | 3,798 |
| Net interest margin | 2.7696% | 5,288 |
| Noninterest income to average assets | 0.3645% | 3,948 |
| Noninterest expense to average assets | 2.1600% | 4,650 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.6312% | 4,157 |
| Return on assets (ROA) | 0.7182% | 3,828 |
| Pretax return on assets | 0.7671% | 4,383 |
| Return on Equity (ROE) | 5.2874% | 4,357 |
| Retained earnings to average equity (ytd only) | 1.6824% | 4,587 |
| Net charge-offs to loans | 0.3644% | 558 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 10.3333% | 2,348 |
| Efficiency ratio | 76.1996% | 1,691 |
| Assets per employee ($millions) | 5.9332% | 1,509 |
| Cash dividends to net income (ytd only)* | 68.1818% | 1,200 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9643% | 641 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 18.3657% | 5,692 |
| Net loans and leases to deposits | 22.7996% | 5,694 |
| Net loans and leases to core deposits | 23.0512% | 5,693 |
| Total domestic deposits to total assets | 80.5528% | 4,297 |
| Equity capital to assets | 14.4555% | 841 |
| Core capital (leverage) ratio | 13.0999% | 1,134 |
| Tier 1 risk-based capital ratio | 37.8417% | 248 |
| Total risk-based capital ratio | 38.8706% | 245 |
| Memoranda: | ||
| Average total assets | $36,759,670 | 5,488 |
| Average earning assets | $32,784,000 | 5,494 |
| Average equity | $4,993,000 | 5,371 |
| Average total loans | $6,586,000 | 5,713 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0083% | 5,450 |
| Cost of funding earning assets | 0.3356% | 3,692 |
| Net interest margin | 2.6727% | 5,416 |
| Noninterest income to average assets | 0.3214% | 4,252 |
| Noninterest expense to average assets | 2.0996% | 4,851 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.5785% | 4,242 |
| Return on assets (ROA) | 0.5785% | 4,286 |
| Pretax return on assets | 0.6106% | 4,705 |
| Return on Equity (ROE) | 4.3934% | 4,633 |
| Retained earnings to average equity (ytd only) | 0.7322% | 4,740 |
| Net charge-offs to loans | 0.7334% | 238 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 4.7500% | 2,352 |
| Efficiency ratio | 77.4704% | 1,703 |
| Assets per employee ($millions) | 6.2847% | 1,309 |
| Cash dividends to net income (ytd only)* | 83.3333% | 916 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9611% | 721 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 17.3677% | 5,768 |
| Net loans and leases to deposits | 22.5509% | 5,757 |
| Net loans and leases to core deposits | 22.7966% | 5,757 |
| Total domestic deposits to total assets | 77.0155% | 5,109 |
| Equity capital to assets | 13.0954% | 1,220 |
| Core capital (leverage) ratio | 12.7789% | 1,224 |
| Tier 1 risk-based capital ratio | 35.8939% | 304 |
| Total risk-based capital ratio | 36.8952% | 305 |
| Memoranda: | ||
| Average total assets | $37,340,000 | 5,537 |
| Average earning assets | $33,374,500 | 5,546 |
| Average equity | $4,916,500 | 5,430 |
| Average total loans | $6,544,500 | 5,779 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0683% | 5,439 |
| Cost of funding earning assets | 0.3125% | 3,920 |
| Net interest margin | 2.7558% | 5,349 |
| Noninterest income to average assets | 0.3404% | 4,308 |
| Noninterest expense to average assets | 2.1467% | 4,905 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.6378% | 4,053 |
| Return on assets (ROA) | 0.6378% | 4,163 |
| Pretax return on assets | 0.6754% | 4,568 |
| Return on Equity (ROE) | 4.5590% | 4,634 |
| Retained earnings to average equity (ytd only) | 0.2490% | 5,216 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.0684% | 1,970 |
| Assets per employee ($millions) | 6.1620% | 1,359 |
| Cash dividends to net income (ytd only)* | 94.5378% | 469 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2156% | 452 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 16.9507% | 5,832 |
| Net loans and leases to deposits | 22.0972% | 5,818 |
| Net loans and leases to core deposits | 22.0972% | 5,819 |
| Total domestic deposits to total assets | 76.7094% | 5,154 |
| Equity capital to assets | 13.2397% | 1,159 |
| Core capital (leverage) ratio | 12.6387% | 1,283 |
| Tier 1 risk-based capital ratio | 31.3823% | 428 |
| Total risk-based capital ratio | 32.3365% | 431 |
| Memoranda: | ||
| Average total assets | $37,313,800 | 5,588 |
| Average earning assets | $33,602,000 | 5,596 |
| Average equity | $5,220,400 | 5,428 |
| Average total loans | $6,848,200 | 5,833 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0565% | 5,520 |
| Cost of funding earning assets | 0.3120% | 3,954 |
| Net interest margin | 2.7446% | 5,439 |
| Noninterest income to average assets | 0.3458% | 4,309 |
| Noninterest expense to average assets | 2.1747% | 4,830 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.6096% | 4,253 |
| Return on assets (ROA) | 0.6096% | 4,366 |
| Pretax return on assets | 0.6488% | 4,748 |
| Return on Equity (ROE) | 4.3003% | 4,792 |
| Retained earnings to average equity (ytd only) | 0.9054% | 5,114 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.0202% | 1,833 |
| Assets per employee ($millions) | 6.2723% | 1,250 |
| Cash dividends to net income (ytd only)* | 78.9508% | 766 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2351% | 483 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 16.6206% | 5,898 |
| Net loans and leases to deposits | 21.9443% | 5,890 |
| Net loans and leases to core deposits | 21.9443% | 5,895 |
| Total domestic deposits to total assets | 75.7400% | 5,262 |
| Equity capital to assets | 14.2584% | 944 |
| Core capital (leverage) ratio | 13.1688% | 1,125 |
| Tier 1 risk-based capital ratio | 38.4075% | 257 |
| Total risk-based capital ratio | 39.5227% | 257 |
| Memoranda: | ||
| Average total assets | $37,399,250 | 5,645 |
| Average earning assets | $33,762,750 | 5,648 |
| Average equity | $5,301,750 | 5,469 |
| Average total loans | $6,958,000 | 5,897 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0945% | 5,553 |
| Cost of funding earning assets | 0.3083% | 4,036 |
| Net interest margin | 2.7862% | 5,444 |
| Noninterest income to average assets | 0.3483% | 4,288 |
| Noninterest expense to average assets | 2.1918% | 4,861 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.6377% | 4,109 |
| Return on assets (ROA) | 0.6377% | 4,252 |
| Pretax return on assets | 0.6752% | 4,699 |
| Return on Equity (ROE) | 4.5073% | 4,712 |
| Retained earnings to average equity (ytd only) | 1.0984% | 4,943 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4486% | 2,016 |
| Assets per employee ($millions) | 6.2463% | 1,235 |
| Cash dividends to net income (ytd only)* | 75.6303% | 1,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0595% | 662 |
| Loan loss allowance to noncurrent loans | 946.6667% | 606 |
| Noncurrent assets plus other real estate owned to assets | 0.0400% | 5,418 |
| Noncurrent loans to loans | 0.2175% | 4,569 |
| Net loans and leases to total assets | 18.0186% | 5,962 |
| Net loans and leases to deposits | 23.8580% | 5,944 |
| Net loans and leases to core deposits | 23.8580% | 5,956 |
| Total domestic deposits to total assets | 75.5243% | 5,350 |
| Equity capital to assets | 14.4458% | 888 |
| Core capital (leverage) ratio | 13.2523% | 1,066 |
| Tier 1 risk-based capital ratio | 37.5548% | 272 |
| Total risk-based capital ratio | 38.6278% | 274 |
| Memoranda: | ||
| Average total assets | $37,321,000 | 5,716 |
| Average earning assets | $33,737,330 | 5,717 |
| Average equity | $5,280,330 | 5,531 |
| Average total loans | $7,144,670 | 5,967 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1289% | 5,575 |
| Cost of funding earning assets | 0.3117% | 4,038 |
| Net interest margin | 2.8172% | 5,444 |
| Noninterest income to average assets | 0.3652% | 4,106 |
| Noninterest expense to average assets | 2.1910% | 4,920 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.6444% | 4,005 |
| Return on assets (ROA) | 0.6444% | 4,124 |
| Pretax return on assets | 0.6981% | 4,536 |
| Return on Equity (ROE) | 4.6034% | 4,656 |
| Retained earnings to average equity (ytd only) | 1.1509% | 4,782 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.8364% | 2,196 |
| Assets per employee ($millions) | 6.1987% | 1,275 |
| Cash dividends to net income (ytd only)* | 75.0000% | 1,082 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8783% | 998 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 19.9451% | 5,993 |
| Net loans and leases to deposits | 26.3236% | 5,968 |
| Net loans and leases to core deposits | 26.3236% | 5,981 |
| Total domestic deposits to total assets | 75.7690% | 5,434 |
| Equity capital to assets | 14.1993% | 917 |
| Core capital (leverage) ratio | 13.1286% | 1,112 |
| Tier 1 risk-based capital ratio | 35.5870% | 320 |
| Total risk-based capital ratio | 36.6238% | 322 |
| Memoranda: | ||
| Average total assets | $37,242,500 | 5,771 |
| Average earning assets | $33,366,000 | 5,778 |
| Average equity | $5,213,500 | 5,580 |
| Average total loans | $7,269,500 | 6,026 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0396% | 5,699 |
| Cost of funding earning assets | 0.3107% | 4,135 |
| Net interest margin | 2.7288% | 5,617 |
| Noninterest income to average assets | 0.3310% | 4,530 |
| Noninterest expense to average assets | 2.0503% | 5,353 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.7193% | 3,712 |
| Return on assets (ROA) | 0.7339% | 3,747 |
| Pretax return on assets | 0.7749% | 4,277 |
| Return on Equity (ROE) | 5.5727% | 4,250 |
| Retained earnings to average equity (ytd only) | 1.1886% | 5,033 |
| Net charge-offs to loans | -0.0143% | 5,192 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9680% | 2,751 |
| Assets per employee ($millions) | 6.2155% | 1,248 |
| Cash dividends to net income (ytd only)* | 78.6713% | 908 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0347% | 759 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 18.3332% | 6,073 |
| Net loans and leases to deposits | 24.0392% | 6,048 |
| Net loans and leases to core deposits | 24.0392% | 6,062 |
| Total domestic deposits to total assets | 76.2636% | 5,416 |
| Equity capital to assets | 13.7988% | 1,007 |
| Core capital (leverage) ratio | 13.1679% | 1,085 |
| Tier 1 risk-based capital ratio | 37.5370% | 269 |
| Total risk-based capital ratio | 38.6158% | 271 |
| Memoranda: | ||
| Average total assets | $38,970,400 | 5,784 |
| Average earning assets | $35,399,600 | 5,778 |
| Average equity | $5,132,200 | 5,627 |
| Average total loans | $6,970,200 | 6,086 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0141% | 5,798 |
| Cost of funding earning assets | 0.3114% | 4,208 |
| Net interest margin | 2.7027% | 5,721 |
| Noninterest income to average assets | 0.3317% | 4,569 |
| Noninterest expense to average assets | 2.0580% | 5,368 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.6720% | 4,024 |
| Return on assets (ROA) | 0.6905% | 4,057 |
| Pretax return on assets | 0.7616% | 4,458 |
| Return on Equity (ROE) | 5.3032% | 4,488 |
| Retained earnings to average equity (ytd only) | 1.7938% | 4,983 |
| Net charge-offs to loans | -0.0383% | 5,448 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5187% | 2,632 |
| Assets per employee ($millions) | 6.4148% | 1,107 |
| Cash dividends to net income (ytd only)* | 66.1789% | 1,164 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1410% | 722 |
| Loan loss allowance to noncurrent loans | 14,300.0000% | 73 |
| Noncurrent assets plus other real estate owned to assets | 0.0026% | 5,815 |
| Noncurrent loans to loans | 0.0150% | 5,578 |
| Net loans and leases to total assets | 16.9815% | 6,175 |
| Net loans and leases to deposits | 22.1162% | 6,160 |
| Net loans and leases to core deposits | 22.1162% | 6,168 |
| Total domestic deposits to total assets | 76.7830% | 5,380 |
| Equity capital to assets | 13.4012% | 1,274 |
| Core capital (leverage) ratio | 12.6366% | 1,348 |
| Tier 1 risk-based capital ratio | 37.9234% | 284 |
| Total risk-based capital ratio | 39.0192% | 285 |
| Memoranda: | ||
| Average total assets | $39,389,750 | 5,853 |
| Average earning assets | $35,963,750 | 5,845 |
| Average equity | $5,128,750 | 5,697 |
| Average total loans | $6,968,000 | 6,168 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0078% | 5,851 |
| Cost of funding earning assets | 0.3096% | 4,284 |
| Net interest margin | 2.6982% | 5,763 |
| Noninterest income to average assets | 0.3275% | 4,602 |
| Noninterest expense to average assets | 2.0559% | 5,425 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.6628% | 4,069 |
| Return on assets (ROA) | 0.6904% | 4,049 |
| Pretax return on assets | 0.7609% | 4,451 |
| Return on Equity (ROE) | 5.3526% | 4,455 |
| Retained earnings to average equity (ytd only) | 1.8363% | 4,781 |
| Net charge-offs to loans | -0.0283% | 5,312 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7794% | 2,708 |
| Assets per employee ($millions) | 6.6592% | 984 |
| Cash dividends to net income (ytd only)* | 65.6934% | 1,341 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0754% | 885 |
| Loan loss allowance to noncurrent loans | 7,100.0000% | 92 |
| Noncurrent assets plus other real estate owned to assets | 0.0050% | 5,888 |
| Noncurrent loans to loans | 0.0292% | 5,640 |
| Net loans and leases to total assets | 16.7689% | 6,249 |
| Net loans and leases to deposits | 21.5580% | 6,234 |
| Net loans and leases to core deposits | 21.7844% | 6,236 |
| Total domestic deposits to total assets | 77.7850% | 5,318 |
| Equity capital to assets | 12.7944% | 1,498 |
| Core capital (leverage) ratio | 12.1624% | 1,556 |
| Tier 1 risk-based capital ratio | 35.9032% | 339 |
| Total risk-based capital ratio | 36.9380% | 344 |
| Memoranda: | ||
| Average total assets | $39,690,000 | 5,906 |
| Average earning assets | $36,172,330 | 5,899 |
| Average equity | $5,119,000 | 5,746 |
| Average total loans | $7,064,330 | 6,241 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9982% | 5,894 |
| Cost of funding earning assets | 0.3098% | 4,328 |
| Net interest margin | 2.6884% | 5,819 |
| Noninterest income to average assets | 0.3236% | 4,599 |
| Noninterest expense to average assets | 2.0426% | 5,497 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.6449% | 4,069 |
| Return on assets (ROA) | 0.6977% | 3,941 |
| Pretax return on assets | 0.7988% | 4,247 |
| Return on Equity (ROE) | 5.3880% | 4,336 |
| Retained earnings to average equity (ytd only) | 1.8741% | 4,723 |
| Net charge-offs to loans | -0.0557% | 5,572 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4545% | 2,911 |
| Assets per employee ($millions) | 6.7427% | 957 |
| Cash dividends to net income (ytd only)* | 65.2174% | 1,289 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9930% | 1,095 |
| Loan loss allowance to noncurrent loans | 4,733.3333% | 141 |
| Noncurrent assets plus other real estate owned to assets | 0.0074% | 5,924 |
| Noncurrent loans to loans | 0.0421% | 5,614 |
| Net loans and leases to total assets | 17.2607% | 6,298 |
| Net loans and leases to deposits | 22.1401% | 6,287 |
| Net loans and leases to core deposits | 22.3692% | 6,289 |
| Total domestic deposits to total assets | 77.9612% | 5,461 |
| Equity capital to assets | 12.8436% | 1,486 |
| Core capital (leverage) ratio | 12.1902% | 1,514 |
| Tier 1 risk-based capital ratio | 35.1088% | 357 |
| Total risk-based capital ratio | 35.4954% | 379 |
| Memoranda: | ||
| Average total assets | $39,557,500 | 5,966 |
| Average earning assets | $36,155,000 | 5,962 |
| Average equity | $5,122,500 | 5,805 |
| Average total loans | $7,175,500 | 6,305 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2748% | 5,740 |
| Cost of funding earning assets | 0.3846% | 3,849 |
| Net interest margin | 2.8901% | 5,664 |
| Noninterest income to average assets | 0.3495% | 4,607 |
| Noninterest expense to average assets | 2.1422% | 5,475 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.7542% | 3,609 |
| Return on assets (ROA) | 0.7870% | 3,529 |
| Pretax return on assets | 0.8498% | 4,077 |
| Return on Equity (ROE) | 6.5668% | 3,865 |
| Retained earnings to average equity (ytd only) | 2.3288% | 4,571 |
| Net charge-offs to loans | 0.0291% | 4,241 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 162.0000% | 332 |
| Efficiency ratio | 72.4490% | 3,125 |
| Assets per employee ($millions) | 6.4432% | 1,085 |
| Cash dividends to net income (ytd only)* | 64.5367% | 1,536 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9513% | 1,196 |
| Loan loss allowance to noncurrent loans | 2,820.0000% | 247 |
| Noncurrent assets plus other real estate owned to assets | 0.0129% | 6,009 |
| Noncurrent loans to loans | 0.0692% | 5,603 |
| Net loans and leases to total assets | 18.3269% | 6,389 |
| Net loans and leases to deposits | 23.7258% | 6,372 |
| Net loans and leases to core deposits | 23.9852% | 6,373 |
| Total domestic deposits to total assets | 77.2446% | 5,563 |
| Equity capital to assets | 13.0603% | 1,343 |
| Core capital (leverage) ratio | 12.5363% | 1,341 |
| Tier 1 risk-based capital ratio | 35.0524% | 340 |
| Total risk-based capital ratio | 36.0652% | 339 |
| Memoranda: | ||
| Average total assets | $39,772,200 | 6,038 |
| Average earning assets | $35,880,600 | 6,039 |
| Average equity | $4,766,400 | 5,915 |
| Average total loans | $6,876,000 | 6,396 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3229% | 5,723 |
| Cost of funding earning assets | 0.4024% | 3,768 |
| Net interest margin | 2.9205% | 5,661 |
| Noninterest income to average assets | 0.3562% | 4,590 |
| Noninterest expense to average assets | 2.0440% | 5,692 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.7662% | 3,587 |
| Return on assets (ROA) | 0.7823% | 3,612 |
| Pretax return on assets | 0.9654% | 3,737 |
| Return on Equity (ROE) | 6.6726% | 3,862 |
| Retained earnings to average equity (ytd only) | 2.8394% | 4,578 |
| Net charge-offs to loans | 0.0589% | 3,368 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 94.6650% | 609 |
| Efficiency ratio | 68.3742% | 3,793 |
| Assets per employee ($millions) | 6.5780% | 980 |
| Cash dividends to net income (ytd only)* | 57.4474% | 1,498 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0450% | 1,174 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.0363% | 2,891 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 16.9910% | 6,486 |
| Net loans and leases to deposits | 21.7940% | 6,477 |
| Net loans and leases to core deposits | 22.2791% | 6,469 |
| Total domestic deposits to total assets | 77.9619% | 5,544 |
| Equity capital to assets | 12.4607% | 1,727 |
| Core capital (leverage) ratio | 12.1021% | 1,636 |
| Tier 1 risk-based capital ratio | 34.8654% | 357 |
| Total risk-based capital ratio | 35.8677% | 362 |
| Memoranda: | ||
| Average total assets | $40,050,500 | 6,112 |
| Average earning assets | $36,112,000 | 6,108 |
| Average equity | $4,695,750 | 5,991 |
| Average total loans | $6,788,500 | 6,471 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3620% | 5,691 |
| Cost of funding earning assets | 0.4244% | 3,606 |
| Net interest margin | 2.9376% | 5,664 |
| Noninterest income to average assets | 0.3429% | 4,678 |
| Noninterest expense to average assets | 2.0425% | 5,743 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.7613% | 3,505 |
| Return on assets (ROA) | 0.7852% | 3,503 |
| Pretax return on assets | 0.9790% | 3,561 |
| Return on Equity (ROE) | 6.8374% | 3,702 |
| Retained earnings to average equity (ytd only) | 2.9427% | 4,331 |
| Net charge-offs to loans | -0.0886% | 6,105 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2724% | 3,954 |
| Assets per employee ($millions) | 6.7363% | 907 |
| Cash dividends to net income (ytd only)* | 56.9620% | 1,649 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1013% | 1,172 |
| Loan loss allowance to noncurrent loans | 103.5461% | 3,562 |
| Noncurrent assets plus other real estate owned to assets | 1.0490% | 2,968 |
| Noncurrent loans to loans | 2.0294% | 1,663 |
| Net loans and leases to total assets | 16.8291% | 6,550 |
| Net loans and leases to deposits | 21.3879% | 6,539 |
| Net loans and leases to core deposits | 22.0286% | 6,537 |
| Total domestic deposits to total assets | 78.6852% | 5,516 |
| Equity capital to assets | 12.0021% | 1,978 |
| Core capital (leverage) ratio | 11.8198% | 1,775 |
| Tier 1 risk-based capital ratio | 33.9582% | 378 |
| Total risk-based capital ratio | 34.9832% | 375 |
| Memoranda: | ||
| Average total assets | $40,244,670 | 6,168 |
| Average earning assets | $36,288,330 | 6,162 |
| Average equity | $4,621,670 | 6,051 |
| Average total loans | $6,769,330 | 6,536 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3406% | 5,769 |
| Cost of funding earning assets | 0.4314% | 3,636 |
| Net interest margin | 2.9092% | 5,733 |
| Noninterest income to average assets | 0.3685% | 4,439 |
| Noninterest expense to average assets | 2.0220% | 5,840 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.7783% | 3,261 |
| Return on assets (ROA) | 0.8267% | 3,093 |
| Pretax return on assets | 1.0259% | 3,227 |
| Return on Equity (ROE) | 7.3663% | 3,277 |
| Retained earnings to average equity (ytd only) | 3.3725% | 4,103 |
| Net charge-offs to loans | -0.1198% | 6,188 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6667% | 4,236 |
| Assets per employee ($millions) | 6.7607% | 897 |
| Cash dividends to net income (ytd only)* | 54.2169% | 1,571 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0632% | 1,391 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6977% | 4,019 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 16.9682% | 6,618 |
| Net loans and leases to deposits | 21.3645% | 6,606 |
| Net loans and leases to core deposits | 21.9960% | 6,602 |
| Total domestic deposits to total assets | 79.4226% | 5,609 |
| Equity capital to assets | 11.4215% | 2,312 |
| Core capital (leverage) ratio | 11.9143% | 1,702 |
| Tier 1 risk-based capital ratio | 33.8544% | 389 |
| Total risk-based capital ratio | 34.8754% | 391 |
| Memoranda: | ||
| Average total assets | $40,158,000 | 6,229 |
| Average earning assets | $36,161,000 | 6,230 |
| Average equity | $4,507,000 | 6,134 |
| Average total loans | $6,680,000 | 6,605 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1667% | 6,175 |
| Cost of funding earning assets | 0.5307% | 3,279 |
| Net interest margin | 2.6360% | 6,218 |
| Noninterest income to average assets | 0.3652% | 4,699 |
| Noninterest expense to average assets | 2.2068% | 5,609 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.5228% | 4,630 |
| Return on assets (ROA) | 0.5228% | 4,756 |
| Pretax return on assets | 0.5202% | 5,143 |
| Return on Equity (ROE) | 4.1916% | 5,015 |
| Retained earnings to average equity (ytd only) | 0.4002% | 5,668 |
| Net charge-offs to loans | -0.0722% | 6,415 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.9249% | 2,030 |
| Assets per employee ($millions) | 5.6789% | 1,491 |
| Cash dividends to net income (ytd only)* | 90.4523% | 628 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2584% | 1,098 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7119% | 4,115 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 15.5690% | 6,714 |
| Net loans and leases to deposits | 19.5200% | 6,710 |
| Net loans and leases to core deposits | 20.1059% | 6,700 |
| Total domestic deposits to total assets | 79.7595% | 5,502 |
| Equity capital to assets | 11.0208% | 2,592 |
| Core capital (leverage) ratio | 11.9029% | 1,675 |
| Tier 1 risk-based capital ratio | 35.4625% | 311 |
| Total risk-based capital ratio | 36.5259% | 308 |
| Memoranda: | ||
| Average total assets | $38,063,400 | 6,342 |
| Average earning assets | $34,104,400 | 6,346 |
| Average equity | $4,747,600 | 6,128 |
| Average total loans | $6,926,400 | 6,682 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1690% | 6,242 |
| Cost of funding earning assets | 0.5553% | 3,210 |
| Net interest margin | 2.6137% | 6,300 |
| Noninterest income to average assets | 0.3648% | 4,779 |
| Noninterest expense to average assets | 2.2032% | 5,601 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.4605% | 4,974 |
| Return on assets (ROA) | 0.4605% | 5,120 |
| Pretax return on assets | 0.4959% | 5,367 |
| Return on Equity (ROE) | 3.5818% | 5,398 |
| Retained earnings to average equity (ytd only) | -0.1378% | 5,964 |
| Net charge-offs to loans | -0.0565% | 6,353 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.6273% | 1,877 |
| Assets per employee ($millions) | 5.3377% | 1,810 |
| Cash dividends to net income (ytd only)* | 103.8482% | 370 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0244% | 1,665 |
| Loan loss allowance to noncurrent loans | 2,014.2857% | 264 |
| Noncurrent assets plus other real estate owned to assets | 0.7761% | 4,166 |
| Noncurrent loans to loans | 0.1005% | 6,031 |
| Net loans and leases to total assets | 18.2636% | 6,767 |
| Net loans and leases to deposits | 23.4292% | 6,758 |
| Net loans and leases to core deposits | 24.1960% | 6,758 |
| Total domestic deposits to total assets | 77.9520% | 5,913 |
| Equity capital to assets | 12.0704% | 1,874 |
| Core capital (leverage) ratio | 12.8292% | 1,269 |
| Tier 1 risk-based capital ratio | 35.5777% | 328 |
| Total risk-based capital ratio | 36.6349% | 321 |
| Memoranda: | ||
| Average total assets | $37,641,250 | 6,417 |
| Average earning assets | $33,616,500 | 6,431 |
| Average equity | $4,839,250 | 6,182 |
| Average total loans | $7,075,000 | 6,754 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1318% | 6,306 |
| Cost of funding earning assets | 0.5753% | 3,167 |
| Net interest margin | 2.5564% | 6,377 |
| Noninterest income to average assets | 0.3604% | 4,811 |
| Noninterest expense to average assets | 2.1784% | 5,685 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.4187% | 5,142 |
| Return on assets (ROA) | 0.4187% | 5,299 |
| Pretax return on assets | 0.4664% | 5,475 |
| Return on Equity (ROE) | 3.1926% | 5,549 |
| Retained earnings to average equity (ytd only) | -0.4445% | 5,949 |
| Net charge-offs to loans | -0.0562% | 6,308 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.3647% | 1,840 |
| Assets per employee ($millions) | 5.2701% | 1,826 |
| Cash dividends to net income (ytd only)* | 113.9241% | 396 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9233% | 2,042 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7671% | 4,301 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 19.3516% | 6,803 |
| Net loans and leases to deposits | 24.9058% | 6,791 |
| Net loans and leases to core deposits | 25.7400% | 6,785 |
| Total domestic deposits to total assets | 77.6992% | 6,027 |
| Equity capital to assets | 12.2306% | 1,755 |
| Core capital (leverage) ratio | 12.7995% | 1,248 |
| Tier 1 risk-based capital ratio | 35.0596% | 337 |
| Total risk-based capital ratio | 36.0953% | 338 |
| Memoranda: | ||
| Average total assets | $37,733,670 | 6,461 |
| Average earning assets | $33,718,670 | 6,475 |
| Average equity | $4,949,000 | 6,197 |
| Average total loans | $7,111,670 | 6,803 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0265% | 6,483 |
| Cost of funding earning assets | 0.5704% | 3,378 |
| Net interest margin | 2.4561% | 6,550 |
| Noninterest income to average assets | 0.3460% | 4,916 |
| Noninterest expense to average assets | 2.1911% | 5,711 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.3355% | 5,417 |
| Return on assets (ROA) | 0.3355% | 5,555 |
| Pretax return on assets | 0.3669% | 5,654 |
| Return on Equity (ROE) | 2.4770% | 5,786 |
| Retained earnings to average equity (ytd only) | -1.0063% | 5,955 |
| Net charge-offs to loans | -0.0569% | 6,185 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.6557% | 1,557 |
| Assets per employee ($millions) | 5.3843% | 1,760 |
| Cash dividends to net income (ytd only)* | 140.6250% | 393 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9228% | 2,239 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7509% | 4,494 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 18.8114% | 6,877 |
| Net loans and leases to deposits | 24.5439% | 6,850 |
| Net loans and leases to core deposits | 25.3586% | 6,849 |
| Total domestic deposits to total assets | 76.6437% | 6,293 |
| Equity capital to assets | 13.5765% | 1,185 |
| Core capital (leverage) ratio | 12.5707% | 1,308 |
| Tier 1 risk-based capital ratio | 35.2744% | 339 |
| Total risk-based capital ratio | 36.3095% | 341 |
| Memoranda: | ||
| Average total assets | $38,155,000 | 6,512 |
| Average earning assets | $34,363,000 | 6,511 |
| Average equity | $5,167,500 | 6,199 |
| Average total loans | $7,028,000 | 6,875 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3565% | 6,534 |
| Cost of funding earning assets | 0.6273% | 4,121 |
| Net interest margin | 2.7292% | 6,481 |
| Noninterest income to average assets | 0.3659% | 4,861 |
| Noninterest expense to average assets | 2.3825% | 5,460 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.3839% | 5,163 |
| Return on assets (ROA) | 0.7238% | 3,877 |
| Pretax return on assets | 0.8173% | 4,232 |
| Return on Equity (ROE) | 5.2383% | 4,568 |
| Retained earnings to average equity (ytd only) | 1.7590% | 4,976 |
| Net charge-offs to loans | 0.1197% | 4,492 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 18.1111% | 1,461 |
| Efficiency ratio | 84.5498% | 1,565 |
| Assets per employee ($millions) | 5.5171% | 1,675 |
| Cash dividends to net income (ytd only)* | 66.4207% | 1,504 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0214% | 1,965 |
| Loan loss allowance to noncurrent loans | 1,061.5385% | 444 |
| Noncurrent assets plus other real estate owned to assets | 0.7664% | 4,548 |
| Noncurrent loans to loans | 0.1904% | 5,990 |
| Net loans and leases to total assets | 17.3200% | 6,960 |
| Net loans and leases to deposits | 22.4946% | 6,947 |
| Net loans and leases to core deposits | 23.2184% | 6,945 |
| Total domestic deposits to total assets | 76.9964% | 6,223 |
| Equity capital to assets | 13.5111% | 1,224 |
| Core capital (leverage) ratio | 12.3640% | 1,374 |
| Tier 1 risk-based capital ratio | 35.2374% | 337 |
| Total risk-based capital ratio | 36.2611% | 337 |
| Memoranda: | ||
| Average total assets | $37,440,400 | 6,571 |
| Average earning assets | $33,636,400 | 6,567 |
| Average equity | $5,173,400 | 6,252 |
| Average total loans | $7,521,400 | 6,933 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4264% | 6,593 |
| Cost of funding earning assets | 0.6324% | 4,341 |
| Net interest margin | 2.7939% | 6,508 |
| Noninterest income to average assets | 0.3697% | 4,874 |
| Noninterest expense to average assets | 2.4444% | 5,254 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.3548% | 5,416 |
| Return on assets (ROA) | 0.7610% | 3,892 |
| Pretax return on assets | 0.9261% | 4,006 |
| Return on Equity (ROE) | 5.4755% | 4,612 |
| Retained earnings to average equity (ytd only) | 1.9887% | 5,327 |
| Net charge-offs to loans | 0.1559% | 3,870 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 13.3333% | 1,920 |
| Efficiency ratio | 85.0187% | 1,474 |
| Assets per employee ($millions) | 5.3651% | 1,768 |
| Cash dividends to net income (ytd only)* | 63.6807% | 1,139 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9839% | 2,211 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7535% | 4,815 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 18.1542% | 7,049 |
| Net loans and leases to deposits | 23.9371% | 7,040 |
| Net loans and leases to core deposits | 24.4390% | 7,046 |
| Total domestic deposits to total assets | 75.8414% | 6,402 |
| Equity capital to assets | 14.0111% | 1,152 |
| Core capital (leverage) ratio | 12.6899% | 1,324 |
| Tier 1 risk-based capital ratio | 37.7551% | 293 |
| Total risk-based capital ratio | 38.8552% | 294 |
| Memoranda: | ||
| Average total assets | $37,145,500 | 6,662 |
| Average earning assets | $33,309,250 | 6,658 |
| Average equity | $5,162,250 | 6,320 |
| Average total loans | $7,695,000 | 7,019 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5510% | 6,544 |
| Cost of funding earning assets | 0.6451% | 4,487 |
| Net interest margin | 2.9059% | 6,420 |
| Noninterest income to average assets | 0.3675% | 4,890 |
| Noninterest expense to average assets | 2.4535% | 5,283 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.4326% | 5,108 |
| Return on assets (ROA) | 0.7242% | 4,008 |
| Pretax return on assets | 0.8701% | 4,200 |
| Return on Equity (ROE) | 5.2252% | 4,692 |
| Retained earnings to average equity (ytd only) | 1.7157% | 5,334 |
| Net charge-offs to loans | 0.2267% | 3,219 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 10.6667% | 2,027 |
| Efficiency ratio | 82.5455% | 1,813 |
| Assets per employee ($millions) | 5.2863% | 1,832 |
| Cash dividends to net income (ytd only)* | 67.1642% | 1,157 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8156% | 2,800 |
| Loan loss allowance to noncurrent loans | 48.7633% | 5,182 |
| Noncurrent assets plus other real estate owned to assets | 0.7648% | 4,883 |
| Noncurrent loans to loans | 3.7232% | 1,518 |
| Net loans and leases to total assets | 20.1681% | 7,080 |
| Net loans and leases to deposits | 26.6155% | 7,065 |
| Net loans and leases to core deposits | 27.1787% | 7,069 |
| Total domestic deposits to total assets | 75.7756% | 6,491 |
| Equity capital to assets | 14.0850% | 1,061 |
| Core capital (leverage) ratio | 12.7036% | 1,257 |
| Tier 1 risk-based capital ratio | 37.0015% | 306 |
| Total risk-based capital ratio | 38.0870% | 303 |
| Memoranda: | ||
| Average total assets | $37,008,670 | 6,710 |
| Average earning assets | $33,173,670 | 6,705 |
| Average equity | $5,129,000 | 6,359 |
| Average total loans | $7,941,330 | 7,072 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6847% | 6,460 |
| Cost of funding earning assets | 0.6765% | 4,499 |
| Net interest margin | 3.0082% | 6,281 |
| Noninterest income to average assets | 0.3783% | 4,836 |
| Noninterest expense to average assets | 2.4857% | 5,193 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.5188% | 4,741 |
| Return on assets (ROA) | 0.5188% | 4,952 |
| Pretax return on assets | 0.5836% | 5,168 |
| Return on Equity (ROE) | 3.7740% | 5,392 |
| Retained earnings to average equity (ytd only) | 0.2359% | 5,905 |
| Net charge-offs to loans | 0.5918% | 1,616 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 4.5000% | 2,560 |
| Efficiency ratio | 80.9859% | 2,078 |
| Assets per employee ($millions) | 5.2874% | 1,901 |
| Cash dividends to net income (ytd only)* | 93.7500% | 615 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7255% | 3,246 |
| Loan loss allowance to noncurrent loans | 47.7032% | 5,200 |
| Noncurrent assets plus other real estate owned to assets | 0.7646% | 5,014 |
| Noncurrent loans to loans | 3.6171% | 1,719 |
| Net loans and leases to total assets | 20.7743% | 7,129 |
| Net loans and leases to deposits | 27.2138% | 7,105 |
| Net loans and leases to core deposits | 27.7852% | 7,107 |
| Total domestic deposits to total assets | 76.3374% | 6,507 |
| Equity capital to assets | 13.7928% | 1,091 |
| Core capital (leverage) ratio | 12.8798% | 1,173 |
| Tier 1 risk-based capital ratio | 36.3984% | 302 |
| Total risk-based capital ratio | 37.4522% | 298 |
| Memoranda: | ||
| Average total assets | $37,011,000 | 6,763 |
| Average earning assets | $33,110,000 | 6,765 |
| Average equity | $5,087,500 | 6,401 |
| Average total loans | $8,111,500 | 7,131 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9698% | 6,509 |
| Cost of funding earning assets | 0.8288% | 4,638 |
| Net interest margin | 3.1410% | 6,246 |
| Noninterest income to average assets | 0.4643% | 4,097 |
| Noninterest expense to average assets | 2.5258% | 5,372 |
| Loan and lease loss provision to assets | 0.4808% | 2,203 |
| Net operating income to assets | 0.4035% | 4,844 |
| Return on assets (ROA) | 0.5085% | 4,594 |
| Pretax return on assets | 0.4007% | 5,295 |
| Return on Equity (ROE) | 3.8249% | 4,934 |
| Retained earnings to average equity (ytd only) | 2.1827% | 4,660 |
| Net charge-offs to loans | 3.1485% | 284 |
| Credit loss provision to net charge-offs | 63.0435% | 5,088 |
| Earnings coverage of net charge-offs (x) | 1.0181% | 5,025 |
| Efficiency ratio | 76.4854% | 2,826 |
| Assets per employee ($millions) | 5.2871% | 1,844 |
| Cash dividends to net income (ytd only)* | 42.9348% | 2,426 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7502% | 3,030 |
| Loan loss allowance to noncurrent loans | 49.3289% | 5,066 |
| Noncurrent assets plus other real estate owned to assets | 0.8052% | 5,020 |
| Noncurrent loans to loans | 3.5480% | 1,806 |
| Net loans and leases to total assets | 22.2967% | 7,180 |
| Net loans and leases to deposits | 29.1425% | 7,151 |
| Net loans and leases to core deposits | 29.7616% | 7,159 |
| Total domestic deposits to total assets | 76.5091% | 6,409 |
| Equity capital to assets | 13.6990% | 1,174 |
| Core capital (leverage) ratio | 12.6868% | 1,274 |
| Tier 1 risk-based capital ratio | 34.7735% | 338 |
| Total risk-based capital ratio | 35.8705% | 335 |
| Memoranda: | ||
| Average total assets | $36,186,400 | 6,791 |
| Average earning assets | $32,697,000 | 6,786 |
| Average equity | $4,810,600 | 6,504 |
| Average total loans | $8,766,000 | 7,154 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0341% | 6,533 |
| Cost of funding earning assets | 0.8723% | 4,622 |
| Net interest margin | 3.1618% | 6,255 |
| Noninterest income to average assets | 0.4817% | 4,024 |
| Noninterest expense to average assets | 2.6199% | 5,003 |
| Loan and lease loss provision to assets | 0.6448% | 1,527 |
| Net operating income to assets | 0.1668% | 5,781 |
| Return on assets (ROA) | 0.3002% | 5,568 |
| Pretax return on assets | 0.2112% | 5,876 |
| Return on Equity (ROE) | 2.2757% | 5,686 |
| Retained earnings to average equity (ytd only) | 0.0563% | 5,935 |
| Net charge-offs to loans | 4.0340% | 161 |
| Credit loss provision to net charge-offs | 64.9254% | 4,636 |
| Earnings coverage of net charge-offs (x) | 0.7276% | 5,071 |
| Efficiency ratio | 78.3814% | 2,494 |
| Assets per employee ($millions) | 5.1714% | 1,969 |
| Cash dividends to net income (ytd only)* | 97.5278% | 331 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7207% | 3,201 |
| Loan loss allowance to noncurrent loans | 50.4918% | 4,979 |
| Noncurrent assets plus other real estate owned to assets | 0.8425% | 5,072 |
| Noncurrent loans to loans | 3.4078% | 2,023 |
| Net loans and leases to total assets | 24.2983% | 7,228 |
| Net loans and leases to deposits | 31.9193% | 7,176 |
| Net loans and leases to core deposits | 32.6164% | 7,189 |
| Total domestic deposits to total assets | 76.1243% | 6,521 |
| Equity capital to assets | 13.6685% | 1,297 |
| Core capital (leverage) ratio | 12.5154% | 1,428 |
| Tier 1 risk-based capital ratio | 31.5800% | 469 |
| Total risk-based capital ratio | 32.6473% | 470 |
| Memoranda: | ||
| Average total assets | $35,980,500 | 6,855 |
| Average earning assets | $32,554,750 | 6,852 |
| Average equity | $4,745,750 | 6,577 |
| Average total loans | $8,857,750 | 7,220 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0647% | 6,550 |
| Cost of funding earning assets | 0.8930% | 4,731 |
| Net interest margin | 3.1717% | 6,239 |
| Noninterest income to average assets | 0.4567% | 4,230 |
| Noninterest expense to average assets | 2.6513% | 5,002 |
| Loan and lease loss provision to assets | 0.3843% | 2,495 |
| Net operating income to assets | 0.5848% | 4,131 |
| Return on assets (ROA) | 0.6572% | 3,885 |
| Pretax return on assets | 0.3620% | 5,509 |
| Return on Equity (ROE) | 5.0445% | 4,429 |
| Retained earnings to average equity (ytd only) | 5.0445% | 2,976 |
| Net charge-offs to loans | 6.1176% | 79 |
| Credit loss provision to net charge-offs | 25.5556% | 5,055 |
| Earnings coverage of net charge-offs (x) | 0.4481% | 4,966 |
| Efficiency ratio | 79.7320% | 2,431 |
| Assets per employee ($millions) | 5.1950% | 1,878 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5563% | 7,192 |
| Loan loss allowance to noncurrent loans | 16.4384% | 6,827 |
| Noncurrent assets plus other real estate owned to assets | 0.8030% | 5,280 |
| Noncurrent loans to loans | 3.3843% | 2,102 |
| Net loans and leases to total assets | 23.5941% | 7,322 |
| Net loans and leases to deposits | 30.8035% | 7,297 |
| Net loans and leases to core deposits | 31.4643% | 7,305 |
| Total domestic deposits to total assets | 76.5956% | 6,510 |
| Equity capital to assets | 13.4552% | 1,321 |
| Core capital (leverage) ratio | 12.9224% | 1,195 |
| Tier 1 risk-based capital ratio | 32.0090% | 452 |
| Total risk-based capital ratio | 32.3378% | 479 |
| Memoranda: | ||
| Average total assets | $35,907,330 | 6,919 |
| Average earning assets | $32,475,000 | 6,919 |
| Average equity | $4,678,330 | 6,632 |
| Average total loans | $8,827,000 | 7,289 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1188% | 6,471 |
| Cost of funding earning assets | 0.9208% | 4,770 |
| Net interest margin | 3.1980% | 6,073 |
| Noninterest income to average assets | 0.4484% | 4,303 |
| Noninterest expense to average assets | 2.7243% | 4,738 |
| Loan and lease loss provision to assets | 0.2466% | 3,192 |
| Net operating income to assets | 0.3162% | 5,326 |
| Return on assets (ROA) | 0.4148% | 4,973 |
| Pretax return on assets | 0.4709% | 5,118 |
| Return on Equity (ROE) | 3.2378% | 5,267 |
| Retained earnings to average equity (ytd only) | 3.2378% | 4,235 |
| Net charge-offs to loans | 0.1344% | 3,709 |
| Credit loss provision to net charge-offs | 733.3333% | 526 |
| Earnings coverage of net charge-offs (x) | 18.0000% | 1,200 |
| Efficiency ratio | 81.8182% | 2,253 |
| Assets per employee ($millions) | 4.4851% | 2,915 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0075% | 912 |
| Loan loss allowance to noncurrent loans | 80.4805% | 3,512 |
| Noncurrent assets plus other real estate owned to assets | 0.9281% | 5,041 |
| Noncurrent loans to loans | 3.7370% | 1,978 |
| Net loans and leases to total assets | 24.0880% | 7,372 |
| Net loans and leases to deposits | 31.2326% | 7,338 |
| Net loans and leases to core deposits | 31.9071% | 7,357 |
| Total domestic deposits to total assets | 77.1244% | 6,513 |
| Equity capital to assets | 12.7533% | 1,496 |
| Core capital (leverage) ratio | 12.9710% | 1,128 |
| Tier 1 risk-based capital ratio | 31.3725% | 462 |
| Total risk-based capital ratio | 32.6296% | 450 |
| Memoranda: | ||
| Average total assets | $35,678,500 | 6,977 |
| Average earning assets | $32,145,500 | 6,984 |
| Average equity | $4,571,000 | 6,692 |
| Average total loans | $8,926,500 | 7,345 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5050% | 6,392 |
| Cost of funding earning assets | 1.2867% | 3,971 |
| Net interest margin | 3.2183% | 6,228 |
| Noninterest income to average assets | 0.3977% | 4,928 |
| Noninterest expense to average assets | 2.6696% | 5,126 |
| Loan and lease loss provision to assets | 0.1669% | 5,546 |
| Net operating income to assets | 0.3023% | 4,932 |
| Return on assets (ROA) | 0.5339% | 4,100 |
| Pretax return on assets | 0.7647% | 3,742 |
| Return on Equity (ROE) | 4.1399% | 4,461 |
| Retained earnings to average equity (ytd only) | 4.1399% | 2,952 |
| Net charge-offs to loans | 0.0725% | 6,073 |
| Credit loss provision to net charge-offs | 857.1429% | 252 |
| Earnings coverage of net charge-offs (x) | 30.8571% | 713 |
| Efficiency ratio | 81.6327% | 2,210 |
| Assets per employee ($millions) | 4.4345% | 2,970 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7734% | 1,090 |
| Loan loss allowance to noncurrent loans | 24,800.0000% | 22 |
| Noncurrent assets plus other real estate owned to assets | 0.0028% | 7,268 |
| Noncurrent loans to loans | 0.0112% | 7,131 |
| Net loans and leases to total assets | 24.5067% | 7,463 |
| Net loans and leases to deposits | 31.8753% | 7,431 |
| Net loans and leases to core deposits | 32.5886% | 7,443 |
| Total domestic deposits to total assets | 76.8830% | 6,501 |
| Equity capital to assets | 12.8707% | 1,452 |
| Core capital (leverage) ratio | 12.5961% | 1,272 |
| Tier 1 risk-based capital ratio | 30.7583% | 479 |
| Total risk-based capital ratio | 32.0143% | 470 |
| Memoranda: | ||
| Average total assets | $35,959,800 | 7,011 |
| Average earning assets | $32,097,600 | 7,014 |
| Average equity | $4,637,800 | 6,774 |
| Average total loans | $9,652,000 | 7,412 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5857% | 6,375 |
| Cost of funding earning assets | 1.3427% | 3,957 |
| Net interest margin | 3.2431% | 6,198 |
| Noninterest income to average assets | 0.3991% | 4,963 |
| Noninterest expense to average assets | 2.6754% | 4,981 |
| Loan and lease loss provision to assets | 0.1109% | 5,922 |
| Net operating income to assets | 0.4095% | 4,712 |
| Return on assets (ROA) | 0.5875% | 4,095 |
| Pretax return on assets | 0.7391% | 4,122 |
| Return on Equity (ROE) | 4.5533% | 4,529 |
| Retained earnings to average equity (ytd only) | 4.5533% | 3,305 |
| Net charge-offs to loans | -0.0272% | 7,391 |
| Credit loss provision to net charge-offs | -1,500.0000% | 7,114 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.0750% | 2,192 |
| Assets per employee ($millions) | 4.4894% | 2,924 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4972% | 1,331 |
| Loan loss allowance to noncurrent loans | 412.7273% | 724 |
| Noncurrent assets plus other real estate owned to assets | 0.1531% | 6,974 |
| Noncurrent loans to loans | 0.6051% | 5,998 |
| Net loans and leases to total assets | 24.6777% | 7,558 |
| Net loans and leases to deposits | 32.3905% | 7,537 |
| Net loans and leases to core deposits | 33.1129% | 7,545 |
| Total domestic deposits to total assets | 76.1882% | 6,618 |
| Equity capital to assets | 13.5626% | 1,326 |
| Core capital (leverage) ratio | 12.3191% | 1,494 |
| Tier 1 risk-based capital ratio | 28.2792% | 609 |
| Total risk-based capital ratio | 29.5302% | 594 |
| Memoranda: | ||
| Average total assets | $36,080,750 | 7,094 |
| Average earning assets | $32,273,250 | 7,087 |
| Average equity | $4,655,750 | 6,854 |
| Average total loans | $9,829,500 | 7,497 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6376% | 6,345 |
| Cost of funding earning assets | 1.4104% | 3,809 |
| Net interest margin | 3.2272% | 6,230 |
| Noninterest income to average assets | 0.3985% | 4,929 |
| Noninterest expense to average assets | 2.6456% | 5,148 |
| Loan and lease loss provision to assets | 0.0553% | 6,404 |
| Net operating income to assets | 0.4944% | 4,353 |
| Return on assets (ROA) | 0.4760% | 4,587 |
| Pretax return on assets | 0.5756% | 4,647 |
| Return on Equity (ROE) | 3.7522% | 4,896 |
| Retained earnings to average equity (ytd only) | 3.7522% | 3,707 |
| Net charge-offs to loans | -0.0198% | 7,284 |
| Credit loss provision to net charge-offs | -1,000.0000% | 6,903 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.2013% | 2,417 |
| Assets per employee ($millions) | 4.5460% | 2,796 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1567% | 1,851 |
| Loan loss allowance to noncurrent loans | 2,070.0000% | 189 |
| Noncurrent assets plus other real estate owned to assets | 0.0275% | 7,335 |
| Noncurrent loans to loans | 0.1042% | 7,061 |
| Net loans and leases to total assets | 25.8222% | 7,613 |
| Net loans and leases to deposits | 33.5369% | 7,587 |
| Net loans and leases to core deposits | 33.8878% | 7,606 |
| Total domestic deposits to total assets | 76.9963% | 6,505 |
| Equity capital to assets | 13.0692% | 1,543 |
| Core capital (leverage) ratio | 12.3360% | 1,479 |
| Tier 1 risk-based capital ratio | 28.2198% | 611 |
| Total risk-based capital ratio | 29.4696% | 600 |
| Memoranda: | ||
| Average total assets | $36,136,000 | 7,141 |
| Average earning assets | $32,474,000 | 7,136 |
| Average equity | $4,584,000 | 6,909 |
| Average total loans | $10,076,000 | 7,550 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6162% | 6,511 |
| Cost of funding earning assets | 1.4655% | 3,772 |
| Net interest margin | 3.1508% | 6,450 |
| Noninterest income to average assets | 0.3998% | 4,920 |
| Noninterest expense to average assets | 2.6541% | 5,130 |
| Loan and lease loss provision to assets | 0.1110% | 5,511 |
| Net operating income to assets | 0.4128% | 4,781 |
| Return on assets (ROA) | 0.4220% | 4,880 |
| Pretax return on assets | 0.5108% | 4,924 |
| Return on Equity (ROE) | 3.3782% | 5,173 |
| Retained earnings to average equity (ytd only) | 3.3782% | 4,131 |
| Net charge-offs to loans | 1.0858% | 1,539 |
| Credit loss provision to net charge-offs | 35.7143% | 4,725 |
| Earnings coverage of net charge-offs (x) | 1.9643% | 3,554 |
| Efficiency ratio | 81.2925% | 2,375 |
| Assets per employee ($millions) | 4.4629% | 3,017 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7608% | 2,862 |
| Loan loss allowance to noncurrent loans | 8,900.0000% | 39 |
| Noncurrent assets plus other real estate owned to assets | 0.0056% | 7,489 |
| Noncurrent loans to loans | 0.0198% | 7,367 |
| Net loans and leases to total assets | 27.8156% | 7,678 |
| Net loans and leases to deposits | 35.9871% | 7,622 |
| Net loans and leases to core deposits | 36.3693% | 7,646 |
| Total domestic deposits to total assets | 77.2932% | 6,495 |
| Equity capital to assets | 12.7832% | 1,609 |
| Core capital (leverage) ratio | 12.1965% | 1,549 |
| Tier 1 risk-based capital ratio | 26.9257% | 715 |
| Total risk-based capital ratio | 28.0147% | 708 |
| Memoranda: | ||
| Average total assets | $36,020,000 | 7,233 |
| Average earning assets | $32,754,000 | 7,208 |
| Average equity | $4,499,500 | 7,004 |
| Average total loans | $10,315,000 | 7,637 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1519% | 5,868 |
| Cost of funding earning assets | 1.7842% | 4,081 |
| Net interest margin | 3.3678% | 5,499 |
| Noninterest income to average assets | 0.4136% | 5,090 |
| Noninterest expense to average assets | 2.6065% | 5,777 |
| Loan and lease loss provision to assets | 0.0833% | 6,777 |
| Net operating income to assets | 0.6479% | 3,145 |
| Return on assets (ROA) | 0.0083% | 5,509 |
| Pretax return on assets | -0.1999% | 5,703 |
| Return on Equity (ROE) | 0.0661% | 5,514 |
| Retained earnings to average equity (ytd only) | -4.5180% | 5,947 |
| Net charge-offs to loans | 0.0192% | 6,956 |
| Credit loss provision to net charge-offs | 1,500.0000% | 206 |
| Earnings coverage of net charge-offs (x) | 159.0000% | 185 |
| Efficiency ratio | 74.7017% | 3,758 |
| Assets per employee ($millions) | 4.5421% | 2,853 |
| Cash dividends to net income (ytd only)* | 6,933.3333% | 6 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8629% | 2,368 |
| Loan loss allowance to noncurrent loans | 725.9259% | 474 |
| Noncurrent assets plus other real estate owned to assets | 0.0743% | 7,309 |
| Noncurrent loans to loans | 0.2566% | 6,782 |
| Net loans and leases to total assets | 28.4146% | 7,743 |
| Net loans and leases to deposits | 36.4159% | 7,715 |
| Net loans and leases to core deposits | 50.4520% | 7,578 |
| Total domestic deposits to total assets | 78.0279% | 6,208 |
| Equity capital to assets | 12.2052% | 1,906 |
| Core capital (leverage) ratio | 11.8995% | 1,708 |
| Tier 1 risk-based capital ratio | 25.2899% | 818 |
| Total risk-based capital ratio | 26.4263% | 805 |
| Memoranda: | ||
| Average total assets | $36,025,000 | 7,245 |
| Average earning assets | $32,900,200 | 7,232 |
| Average equity | $4,537,400 | 7,101 |
| Average total loans | $10,435,400 | 7,686 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2300% | 5,760 |
| Cost of funding earning assets | 1.8487% | 4,166 |
| Net interest margin | 3.3812% | 5,344 |
| Noninterest income to average assets | 0.4265% | 5,077 |
| Noninterest expense to average assets | 2.6186% | 5,651 |
| Loan and lease loss provision to assets | 0.0371% | 6,989 |
| Net operating income to assets | 0.7292% | 3,101 |
| Return on assets (ROA) | -0.1372% | 5,982 |
| Pretax return on assets | -0.4896% | 6,281 |
| Return on Equity (ROE) | -1.0811% | 5,947 |
| Retained earnings to average equity (ytd only) | -3.0682% | 5,948 |
| Net charge-offs to loans | 0.0640% | 6,054 |
| Credit loss provision to net charge-offs | 200.0000% | 2,230 |
| Earnings coverage of net charge-offs (x) | 48.5742% | 656 |
| Efficiency ratio | 74.3941% | 3,803 |
| Assets per employee ($millions) | 4.5378% | 2,804 |
| Cash dividends to net income (ytd only)* | -183.7827% | 8,037 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7061% | 2,603 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 27.4558% | 7,854 |
| Net loans and leases to deposits | 35.4874% | 7,836 |
| Net loans and leases to core deposits | 49.3172% | 7,702 |
| Total domestic deposits to total assets | 77.3676% | 6,242 |
| Equity capital to assets | 12.8312% | 1,768 |
| Core capital (leverage) ratio | 12.4017% | 1,618 |
| Tier 1 risk-based capital ratio | 26.8730% | 756 |
| Total risk-based capital ratio | 27.9150% | 755 |
| Memoranda: | ||
| Average total assets | $35,947,000 | 7,311 |
| Average earning assets | $32,886,500 | 7,294 |
| Average equity | $4,563,000 | 7,156 |
| Average total loans | $10,414,000 | 7,759 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2922% | 5,686 |
| Cost of funding earning assets | 1.9395% | 4,066 |
| Net interest margin | 3.3528% | 5,352 |
| Noninterest income to average assets | 0.4075% | 5,221 |
| Noninterest expense to average assets | 2.5399% | 5,986 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.8699% | 2,574 |
| Return on assets (ROA) | 0.4187% | 4,539 |
| Pretax return on assets | 0.4466% | 4,804 |
| Return on Equity (ROE) | 3.3103% | 4,784 |
| Retained earnings to average equity (ytd only) | 0.3090% | 5,098 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2689% | 4,146 |
| Assets per employee ($millions) | 4.5231% | 2,733 |
| Cash dividends to net income (ytd only)* | 90.6667% | 871 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5745% | 2,846 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 29.0231% | 7,910 |
| Net loans and leases to deposits | 37.4336% | 7,876 |
| Net loans and leases to core deposits | 50.5706% | 7,753 |
| Total domestic deposits to total assets | 77.5321% | 6,195 |
| Equity capital to assets | 12.4554% | 1,944 |
| Core capital (leverage) ratio | 12.6497% | 1,561 |
| Tier 1 risk-based capital ratio | 26.1488% | 849 |
| Total risk-based capital ratio | 27.1091% | 851 |
| Memoranda: | ||
| Average total assets | $35,828,670 | 7,380 |
| Average earning assets | $32,689,330 | 7,370 |
| Average equity | $4,531,330 | 7,233 |
| Average total loans | $10,505,330 | 7,837 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3141% | 5,833 |
| Cost of funding earning assets | 2.0174% | 4,046 |
| Net interest margin | 3.2967% | 5,507 |
| Noninterest income to average assets | 0.4151% | 5,095 |
| Noninterest expense to average assets | 2.6030% | 5,437 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.6669% | 3,722 |
| Return on assets (ROA) | -0.0224% | 6,423 |
| Pretax return on assets | -0.2581% | 6,630 |
| Return on Equity (ROE) | -0.1761% | 6,424 |
| Retained earnings to average equity (ytd only) | -3.1694% | 6,305 |
| Net charge-offs to loans | 0.0384% | 4,968 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 73.0000% | 557 |
| Efficiency ratio | 76.0656% | 3,482 |
| Assets per employee ($millions) | 4.4840% | 2,748 |
| Cash dividends to net income (ytd only)* | -1,700.0000% | 8,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6103% | 2,476 |
| Loan loss allowance to noncurrent loans | 298.2143% | 1,127 |
| Noncurrent assets plus other real estate owned to assets | 0.1561% | 7,089 |
| Noncurrent loans to loans | 0.5400% | 6,063 |
| Net loans and leases to total assets | 28.4456% | 7,949 |
| Net loans and leases to deposits | 36.6932% | 7,927 |
| Net loans and leases to core deposits | 49.3137% | 7,807 |
| Total domestic deposits to total assets | 77.5229% | 6,140 |
| Equity capital to assets | 12.5613% | 1,942 |
| Core capital (leverage) ratio | 12.4690% | 1,701 |
| Tier 1 risk-based capital ratio | 26.2545% | 870 |
| Total risk-based capital ratio | 27.2222% | 877 |
| Memoranda: | ||
| Average total assets | $35,650,500 | 7,427 |
| Average earning assets | $32,517,000 | 7,419 |
| Average equity | $4,543,500 | 7,273 |
| Average total loans | $10,423,000 | 7,887 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5534% | 7,188 |
| Cost of funding earning assets | 2.4566% | 4,439 |
| Net interest margin | 3.0968% | 6,659 |
| Noninterest income to average assets | 0.4157% | 5,338 |
| Noninterest expense to average assets | 2.2863% | 6,741 |
| Loan and lease loss provision to assets | 0.1080% | 5,991 |
| Net operating income to assets | 0.7641% | 3,599 |
| Return on assets (ROA) | 0.8287% | 3,154 |
| Pretax return on assets | 0.8989% | 3,726 |
| Return on Equity (ROE) | 6.9278% | 3,570 |
| Retained earnings to average equity (ytd only) | 0.8350% | 4,721 |
| Net charge-offs to loans | -0.0477% | 8,022 |
| Credit loss provision to net charge-offs | -800.0000% | 7,421 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9380% | 4,149 |
| Assets per employee ($millions) | 4.4286% | 2,728 |
| Cash dividends to net income (ytd only)* | 87.9479% | 1,375 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6038% | 2,224 |
| Loan loss allowance to noncurrent loans | 1,292.3077% | 415 |
| Noncurrent assets plus other real estate owned to assets | 0.0367% | 7,444 |
| Noncurrent loans to loans | 0.1241% | 7,039 |
| Net loans and leases to total assets | 29.0920% | 8,016 |
| Net loans and leases to deposits | 37.7214% | 7,981 |
| Net loans and leases to core deposits | 55.7165% | 7,749 |
| Total domestic deposits to total assets | 77.1233% | 5,961 |
| Equity capital to assets | 12.9301% | 1,818 |
| Core capital (leverage) ratio | 12.7830% | 1,630 |
| Tier 1 risk-based capital ratio | 26.6639% | 850 |
| Total risk-based capital ratio | 27.6448% | 850 |
| Memoranda: | ||
| Average total assets | $37,047,200 | 7,342 |
| Average earning assets | $33,582,800 | 7,341 |
| Average equity | $4,431,400 | 7,350 |
| Average total loans | $10,490,400 | 7,919 |