Home > First Bank of Thomas > Performance and Condition Ratios
First Bank of Thomas, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2464% | 2,625 |
| Cost of funding earning assets | 1.8266% | 2,387 |
| Net interest margin | 3.4198% | 2,520 |
| Noninterest income to average assets | 0.3500% | 2,536 |
| Noninterest expense to average assets | 2.3837% | 2,624 |
| Loan and lease loss provision to assets | 0.0800% | 1,535 |
| Net operating income to assets | 1.2114% | 1,707 |
| Return on assets (ROA) | 1.2114% | 1,709 |
| Pretax return on assets | 1.2114% | 2,223 |
| Return on Equity (ROE) | 8.5700% | 2,716 |
| Retained earnings to average equity (ytd only) | -17.9781% | 4,363 |
| Net charge-offs to loans | 0.0000% | 2,326 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 64.8936% | 2,368 |
| Assets per employee ($millions) | 7.5180% | 1,875 |
| Cash dividends to net income (ytd only)* | 309.6774% | 70 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9199% | 436 |
| Loan loss allowance to noncurrent loans | 113.2867% | 2,794 |
| Noncurrent assets plus other real estate owned to assets | 0.8152% | 928 |
| Noncurrent loans to loans | 1.6947% | 542 |
| Net loans and leases to total assets | 47.1800% | 3,718 |
| Net loans and leases to deposits | 54.5934% | 3,709 |
| Net loans and leases to core deposits | 58.4065% | 3,745 |
| Total domestic deposits to total assets | 86.4200% | 2,148 |
| Equity capital to assets | 13.5123% | 789 |
| Core capital (leverage) ratio | 14.9712% | 609 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.7409% | 226 |
| Memoranda: | ||
| Average total assets | $51,180,500 | 4,211 |
| Average earning assets | $49,710,000 | 4,170 |
| Average equity | $7,231,000 | 4,047 |
| Average total loans | $24,870,500 | 4,149 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3555% | 2,421 |
| Cost of funding earning assets | 1.8092% | 2,700 |
| Net interest margin | 3.5463% | 1,983 |
| Noninterest income to average assets | 0.3200% | 2,938 |
| Noninterest expense to average assets | 2.6591% | 1,844 |
| Loan and lease loss provision to assets | 0.1200% | 1,178 |
| Net operating income to assets | 0.9706% | 2,158 |
| Return on assets (ROA) | 0.9706% | 2,153 |
| Pretax return on assets | 0.9706% | 2,610 |
| Return on Equity (ROE) | 6.7900% | 3,080 |
| Retained earnings to average equity (ytd only) | -1.5584% | 4,132 |
| Net charge-offs to loans | 0.0000% | 3,099 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 70.8908% | 1,885 |
| Assets per employee ($millions) | 7.1050% | 2,094 |
| Cash dividends to net income (ytd only)* | 122.9508% | 144 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9487% | 406 |
| Loan loss allowance to noncurrent loans | 110.4408% | 2,881 |
| Noncurrent assets plus other real estate owned to assets | 0.8666% | 810 |
| Noncurrent loans to loans | 1.7644% | 489 |
| Net loans and leases to total assets | 48.1600% | 3,718 |
| Net loans and leases to deposits | 56.5723% | 3,685 |
| Net loans and leases to core deposits | 60.7924% | 3,721 |
| Total domestic deposits to total assets | 85.1300% | 2,486 |
| Equity capital to assets | 14.7803% | 573 |
| Core capital (leverage) ratio | 16.0435% | 474 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 33.4635% | 205 |
| Memoranda: | ||
| Average total assets | $50,279,600 | 4,231 |
| Average earning assets | $48,585,800 | 4,188 |
| Average equity | $7,186,800 | 4,034 |
| Average total loans | $24,711,400 | 4,160 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3453% | 2,379 |
| Cost of funding earning assets | 1.8137% | 2,677 |
| Net interest margin | 3.5316% | 1,955 |
| Noninterest income to average assets | 0.3300% | 2,850 |
| Noninterest expense to average assets | 2.5071% | 2,228 |
| Loan and lease loss provision to assets | 0.1600% | 770 |
| Net operating income to assets | 1.0737% | 1,843 |
| Return on assets (ROA) | 1.0737% | 1,843 |
| Pretax return on assets | 1.0737% | 2,324 |
| Return on Equity (ROE) | 7.5800% | 2,867 |
| Retained earnings to average equity (ytd only) | -3.6198% | 4,287 |
| Net charge-offs to loans | 0.0000% | 2,849 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 66.9965% | 2,369 |
| Assets per employee ($millions) | 7.2553% | 1,965 |
| Cash dividends to net income (ytd only)* | 147.7833% | 83 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9452% | 435 |
| Loan loss allowance to noncurrent loans | 191.1647% | 2,295 |
| Noncurrent assets plus other real estate owned to assets | 0.4903% | 1,425 |
| Noncurrent loans to loans | 1.0175% | 979 |
| Net loans and leases to total assets | 47.2500% | 3,766 |
| Net loans and leases to deposits | 55.4221% | 3,767 |
| Net loans and leases to core deposits | 59.4171% | 3,803 |
| Total domestic deposits to total assets | 85.2500% | 2,217 |
| Equity capital to assets | 14.5903% | 635 |
| Core capital (leverage) ratio | 15.7321% | 530 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 32.6430% | 208 |
| Memoranda: | ||
| Average total assets | $50,415,750 | 4,252 |
| Average earning assets | $48,664,500 | 4,215 |
| Average equity | $7,145,750 | 4,057 |
| Average total loans | $24,782,500 | 4,182 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3050% | 2,344 |
| Cost of funding earning assets | 1.7985% | 2,622 |
| Net interest margin | 3.5066% | 1,946 |
| Noninterest income to average assets | 0.3100% | 2,924 |
| Noninterest expense to average assets | 2.4934% | 2,264 |
| Loan and lease loss provision to assets | 0.2400% | 441 |
| Net operating income to assets | 0.9743% | 2,074 |
| Return on assets (ROA) | 0.9743% | 2,074 |
| Pretax return on assets | 0.9743% | 2,553 |
| Return on Equity (ROE) | 6.9400% | 3,018 |
| Retained earnings to average equity (ytd only) | -10.0600% | 4,438 |
| Net charge-offs to loans | 0.0000% | 2,619 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 67.2026% | 2,413 |
| Assets per employee ($millions) | 8.5330% | 1,191 |
| Cash dividends to net income (ytd only)* | 244.8980% | 41 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8799% | 495 |
| Loan loss allowance to noncurrent loans | 158.6667% | 2,591 |
| Noncurrent assets plus other real estate owned to assets | 0.5860% | 1,152 |
| Noncurrent loans to loans | 1.1848% | 760 |
| Net loans and leases to total assets | 48.5300% | 3,722 |
| Net loans and leases to deposits | 56.3356% | 3,740 |
| Net loans and leases to core deposits | 60.2133% | 3,757 |
| Total domestic deposits to total assets | 86.1400% | 1,937 |
| Equity capital to assets | 13.7330% | 728 |
| Core capital (leverage) ratio | 15.1012% | 613 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 32.1627% | 220 |
| Memoranda: | ||
| Average total assets | $50,292,000 | 4,270 |
| Average earning assets | $48,708,333 | 4,231 |
| Average equity | $7,057,667 | 4,065 |
| Average total loans | $24,886,333 | 4,198 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1378% | 2,531 |
| Cost of funding earning assets | 1.7126% | 2,742 |
| Net interest margin | 3.4252% | 2,041 |
| Noninterest income to average assets | 0.2300% | 3,433 |
| Noninterest expense to average assets | 2.5121% | 2,205 |
| Loan and lease loss provision to assets | 0.4600% | 174 |
| Net operating income to assets | 0.5859% | 3,187 |
| Return on assets (ROA) | 0.5859% | 3,211 |
| Pretax return on assets | 0.5859% | 3,415 |
| Return on Equity (ROE) | 4.1300% | 3,643 |
| Retained earnings to average equity (ytd only) | -29.8119% | 4,483 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 70.6546% | 2,078 |
| Assets per employee ($millions) | 7.2753% | 1,909 |
| Cash dividends to net income (ytd only)* | 821.9178% | 6 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8738% | 487 |
| Loan loss allowance to noncurrent loans | 280.9524% | 1,981 |
| Noncurrent assets plus other real estate owned to assets | 0.3299% | 1,783 |
| Noncurrent loans to loans | 0.6669% | 1,327 |
| Net loans and leases to total assets | 48.5400% | 3,682 |
| Net loans and leases to deposits | 56.0728% | 3,698 |
| Net loans and leases to core deposits | 59.8861% | 3,774 |
| Total domestic deposits to total assets | 86.5600% | 1,920 |
| Equity capital to assets | 13.3367% | 787 |
| Core capital (leverage) ratio | 15.5787% | 530 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.2256% | 249 |
| Memoranda: | ||
| Average total assets | $49,839,000 | 4,300 |
| Average earning assets | $48,348,000 | 4,258 |
| Average equity | $7,071,000 | 4,082 |
| Average total loans | $24,669,500 | 4,226 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7478% | 2,576 |
| Cost of funding earning assets | 1.3808% | 2,279 |
| Net interest margin | 3.3670% | 2,476 |
| Noninterest income to average assets | 0.2700% | 3,317 |
| Noninterest expense to average assets | 2.3650% | 2,678 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.1806% | 1,695 |
| Return on assets (ROA) | 1.1806% | 1,669 |
| Pretax return on assets | 1.1806% | 2,188 |
| Return on Equity (ROE) | 8.7800% | 2,809 |
| Retained earnings to average equity (ytd only) | 4.4815% | 2,800 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 66.7029% | 2,260 |
| Assets per employee ($millions) | 6.9644% | 2,096 |
| Cash dividends to net income (ytd only)* | 48.9396% | 1,678 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7185% | 631 |
| Loan loss allowance to noncurrent loans | 244.1176% | 2,292 |
| Noncurrent assets plus other real estate owned to assets | 0.3487% | 1,570 |
| Noncurrent loans to loans | 0.7040% | 1,105 |
| Net loans and leases to total assets | 48.6800% | 3,686 |
| Net loans and leases to deposits | 57.3826% | 3,654 |
| Net loans and leases to core deposits | 61.1118% | 3,723 |
| Total domestic deposits to total assets | 84.8400% | 2,357 |
| Equity capital to assets | 15.0766% | 548 |
| Core capital (leverage) ratio | 16.3072% | 452 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 34.7102% | 191 |
| Memoranda: | ||
| Average total assets | $51,924,600 | 4,303 |
| Average earning assets | $50,549,200 | 4,243 |
| Average equity | $6,984,200 | 4,052 |
| Average total loans | $21,922,600 | 4,270 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6258% | 2,623 |
| Cost of funding earning assets | 1.2779% | 2,204 |
| Net interest margin | 3.3479% | 2,575 |
| Noninterest income to average assets | 0.2700% | 3,321 |
| Noninterest expense to average assets | 2.1801% | 3,132 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.3480% | 1,427 |
| Return on assets (ROA) | 1.3480% | 1,410 |
| Pretax return on assets | 1.3480% | 1,902 |
| Return on Equity (ROE) | 10.3100% | 2,555 |
| Retained earnings to average equity (ytd only) | 4.5070% | 3,099 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 61.7921% | 2,748 |
| Assets per employee ($millions) | 7.2036% | 1,820 |
| Cash dividends to net income (ytd only)* | 56.2852% | 1,052 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9032% | 473 |
| Loan loss allowance to noncurrent loans | 235.7955% | 2,306 |
| Noncurrent assets plus other real estate owned to assets | 0.3490% | 1,630 |
| Noncurrent loans to loans | 0.8072% | 1,029 |
| Net loans and leases to total assets | 42.4200% | 3,976 |
| Net loans and leases to deposits | 49.3357% | 3,962 |
| Net loans and leases to core deposits | 52.3495% | 3,978 |
| Total domestic deposits to total assets | 85.9800% | 2,200 |
| Equity capital to assets | 13.8701% | 667 |
| Core capital (leverage) ratio | 15.7604% | 525 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 37.9304% | 166 |
| Memoranda: | ||
| Average total assets | $52,718,000 | 4,306 |
| Average earning assets | $51,333,750 | 4,252 |
| Average equity | $6,892,750 | 4,057 |
| Average total loans | $21,366,000 | 4,294 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5719% | 2,477 |
| Cost of funding earning assets | 1.1679% | 2,085 |
| Net interest margin | 3.4039% | 2,501 |
| Noninterest income to average assets | 0.2700% | 3,288 |
| Noninterest expense to average assets | 2.1652% | 3,182 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.4136% | 1,295 |
| Return on assets (ROA) | 1.4136% | 1,279 |
| Pretax return on assets | 1.4136% | 1,777 |
| Return on Equity (ROE) | 11.0200% | 2,410 |
| Retained earnings to average equity (ytd only) | 2.2744% | 3,653 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 60.5016% | 2,892 |
| Assets per employee ($millions) | 8.9345% | 931 |
| Cash dividends to net income (ytd only)* | 79.3651% | 564 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9911% | 422 |
| Loan loss allowance to noncurrent loans | 235.7955% | 2,421 |
| Noncurrent assets plus other real estate owned to assets | 0.3283% | 1,610 |
| Noncurrent loans to loans | 0.8444% | 905 |
| Net loans and leases to total assets | 38.1100% | 4,107 |
| Net loans and leases to deposits | 43.8313% | 4,109 |
| Net loans and leases to core deposits | 45.0641% | 4,145 |
| Total domestic deposits to total assets | 86.9400% | 1,948 |
| Equity capital to assets | 12.9647% | 822 |
| Core capital (leverage) ratio | 14.3310% | 714 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 38.8480% | 153 |
| Memoranda: | ||
| Average total assets | $53,482,333 | 4,320 |
| Average earning assets | $52,057,667 | 4,268 |
| Average equity | $6,859,000 | 4,094 |
| Average total loans | $21,219,667 | 4,314 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2454% | 2,938 |
| Cost of funding earning assets | 1.0537% | 1,874 |
| Net interest margin | 3.1918% | 3,134 |
| Noninterest income to average assets | 0.2500% | 3,431 |
| Noninterest expense to average assets | 2.0067% | 3,616 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.3478% | 1,553 |
| Return on assets (ROA) | 1.3478% | 1,520 |
| Pretax return on assets | 1.3478% | 2,026 |
| Return on Equity (ROE) | 10.5700% | 2,617 |
| Retained earnings to average equity (ytd only) | -7.0448% | 4,400 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 59.8214% | 2,979 |
| Assets per employee ($millions) | 8.0030% | 1,338 |
| Cash dividends to net income (ytd only)* | 166.6667% | 204 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9741% | 461 |
| Loan loss allowance to noncurrent loans | 233.1461% | 2,500 |
| Noncurrent assets plus other real estate owned to assets | 0.3177% | 1,581 |
| Noncurrent loans to loans | 0.8467% | 903 |
| Net loans and leases to total assets | 36.7800% | 4,159 |
| Net loans and leases to deposits | 41.9310% | 4,165 |
| Net loans and leases to core deposits | 43.0415% | 4,198 |
| Total domestic deposits to total assets | 87.7300% | 2,015 |
| Equity capital to assets | 12.2258% | 937 |
| Core capital (leverage) ratio | 14.2797% | 695 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 36.1503% | 179 |
| Memoranda: | ||
| Average total assets | $53,420,000 | 4,381 |
| Average earning assets | $52,009,000 | 4,328 |
| Average equity | $6,813,500 | 4,145 |
| Average total loans | $21,408,000 | 4,371 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5284% | 3,006 |
| Cost of funding earning assets | 0.2860% | 2,992 |
| Net interest margin | 3.2423% | 2,727 |
| Noninterest income to average assets | 0.2600% | 3,579 |
| Noninterest expense to average assets | 2.2187% | 2,976 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.0758% | 2,281 |
| Return on assets (ROA) | 1.0816% | 2,197 |
| Pretax return on assets | 1.0816% | 2,831 |
| Return on Equity (ROE) | 8.1600% | 3,345 |
| Retained earnings to average equity (ytd only) | 4.1875% | 3,331 |
| Net charge-offs to loans | -0.0933% | 4,508 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 67.3446% | 2,042 |
| Assets per employee ($millions) | 7.2599% | 1,781 |
| Cash dividends to net income (ytd only)* | 48.6726% | 1,467 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1841% | 316 |
| Loan loss allowance to noncurrent loans | 267.4157% | 2,328 |
| Noncurrent assets plus other real estate owned to assets | 0.3503% | 1,459 |
| Noncurrent loans to loans | 0.8167% | 906 |
| Net loans and leases to total assets | 41.9500% | 3,984 |
| Net loans and leases to deposits | 48.4082% | 3,962 |
| Net loans and leases to core deposits | 48.9832% | 4,018 |
| Total domestic deposits to total assets | 86.6600% | 2,512 |
| Equity capital to assets | 13.3375% | 652 |
| Core capital (leverage) ratio | 14.9979% | 575 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 36.0751% | 180 |
| Memoranda: | ||
| Average total assets | $52,238,200 | 4,420 |
| Average earning assets | $48,946,000 | 4,383 |
| Average equity | $6,925,400 | 4,226 |
| Average total loans | $22,497,000 | 4,370 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3608% | 3,014 |
| Cost of funding earning assets | 0.2352% | 2,869 |
| Net interest margin | 3.1256% | 2,847 |
| Noninterest income to average assets | 0.2600% | 3,611 |
| Noninterest expense to average assets | 2.1168% | 3,167 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.0419% | 2,315 |
| Return on assets (ROA) | 1.0495% | 2,257 |
| Pretax return on assets | 1.0495% | 2,877 |
| Return on Equity (ROE) | 7.9300% | 3,354 |
| Retained earnings to average equity (ytd only) | 2.6619% | 3,872 |
| Net charge-offs to loans | -0.1235% | 4,542 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 67.0144% | 2,153 |
| Assets per employee ($millions) | 7.6637% | 1,509 |
| Cash dividends to net income (ytd only)* | 66.4251% | 699 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4129% | 252 |
| Loan loss allowance to noncurrent loans | 264.4444% | 2,334 |
| Noncurrent assets plus other real estate owned to assets | 0.3355% | 1,602 |
| Noncurrent loans to loans | 0.9125% | 858 |
| Net loans and leases to total assets | 35.8900% | 4,233 |
| Net loans and leases to deposits | 40.9152% | 4,209 |
| Net loans and leases to core deposits | 41.5932% | 4,234 |
| Total domestic deposits to total assets | 87.7100% | 2,517 |
| Equity capital to assets | 12.2302% | 835 |
| Core capital (leverage) ratio | 14.1156% | 660 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 37.9708% | 164 |
| Memoranda: | ||
| Average total assets | $52,593,000 | 4,448 |
| Average earning assets | $48,757,000 | 4,419 |
| Average equity | $6,962,250 | 4,261 |
| Average total loans | $22,672,750 | 4,397 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3351% | 2,625 |
| Cost of funding earning assets | 0.2335% | 2,461 |
| Net interest margin | 3.1016% | 2,534 |
| Noninterest income to average assets | 0.2642% | 3,590 |
| Noninterest expense to average assets | 2.0903% | 3,181 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.0222% | 2,083 |
| Return on assets (ROA) | 1.0298% | 2,021 |
| Pretax return on assets | 1.0298% | 2,635 |
| Return on Equity (ROE) | 7.5817% | 3,142 |
| Retained earnings to average equity (ytd only) | -0.1691% | 4,198 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1587% | 2,360 |
| Assets per employee ($millions) | 7.6990% | 1,478 |
| Cash dividends to net income (ytd only)* | 102.2305% | 361 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0669% | 482 |
| Loan loss allowance to noncurrent loans | 250.0000% | 2,379 |
| Noncurrent assets plus other real estate owned to assets | 0.3377% | 1,648 |
| Noncurrent loans to loans | 0.8267% | 1,037 |
| Net loans and leases to total assets | 40.0033% | 4,073 |
| Net loans and leases to deposits | 45.7243% | 4,042 |
| Net loans and leases to core deposits | 46.4794% | 4,101 |
| Total domestic deposits to total assets | 87.4882% | 2,769 |
| Equity capital to assets | 12.4673% | 770 |
| Core capital (leverage) ratio | 14.1058% | 609 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 33.0377% | 178 |
| Memoranda: | ||
| Average total assets | $52,242,000 | 4,487 |
| Average earning assets | $47,974,667 | 4,480 |
| Average equity | $7,096,000 | 4,307 |
| Average total loans | $23,654,667 | 4,438 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4558% | 1,935 |
| Cost of funding earning assets | 0.2202% | 2,525 |
| Net interest margin | 3.2355% | 1,763 |
| Noninterest income to average assets | 0.2567% | 3,603 |
| Noninterest expense to average assets | 2.0849% | 3,202 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.1436% | 1,396 |
| Return on assets (ROA) | 1.1436% | 1,393 |
| Pretax return on assets | 1.1436% | 2,007 |
| Return on Equity (ROE) | 8.0719% | 2,664 |
| Retained earnings to average equity (ytd only) | -7.0286% | 4,489 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5783% | 2,958 |
| Assets per employee ($millions) | 7.4820% | 1,694 |
| Cash dividends to net income (ytd only)* | 187.0748% | 230 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8931% | 752 |
| Loan loss allowance to noncurrent loans | 247.2826% | 2,327 |
| Noncurrent assets plus other real estate owned to assets | 0.3513% | 1,699 |
| Noncurrent loans to loans | 0.7656% | 1,247 |
| Net loans and leases to total assets | 45.0223% | 3,656 |
| Net loans and leases to deposits | 51.9292% | 3,573 |
| Net loans and leases to core deposits | 52.8190% | 3,678 |
| Total domestic deposits to total assets | 86.6995% | 3,039 |
| Equity capital to assets | 13.2661% | 642 |
| Core capital (leverage) ratio | 14.1994% | 555 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.5895% | 199 |
| Memoranda: | ||
| Average total assets | $51,416,500 | 4,526 |
| Average earning assets | $47,225,500 | 4,515 |
| Average equity | $7,284,500 | 4,334 |
| Average total loans | $24,475,000 | 4,434 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6961% | 2,127 |
| Cost of funding earning assets | 0.2569% | 2,847 |
| Net interest margin | 3.4392% | 1,908 |
| Noninterest income to average assets | 0.2752% | 3,748 |
| Noninterest expense to average assets | 2.5114% | 2,146 |
| Loan and lease loss provision to assets | 0.0306% | 2,444 |
| Net operating income to assets | 0.7624% | 3,449 |
| Return on assets (ROA) | 0.7624% | 3,512 |
| Pretax return on assets | 0.7624% | 3,806 |
| Return on Equity (ROE) | 4.8954% | 4,016 |
| Retained earnings to average equity (ytd only) | 0.9686% | 4,269 |
| Net charge-offs to loans | 0.0124% | 2,099 |
| Credit loss provision to net charge-offs | 500.0000% | 798 |
| Earnings coverage of net charge-offs (x) | 129.6667% | 739 |
| Efficiency ratio | 76.0025% | 1,106 |
| Assets per employee ($millions) | 6.3074% | 2,481 |
| Cash dividends to net income (ytd only)* | 80.2139% | 501 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8262% | 821 |
| Loan loss allowance to noncurrent loans | 245.9459% | 2,323 |
| Noncurrent assets plus other real estate owned to assets | 0.3666% | 1,759 |
| Noncurrent loans to loans | 0.7425% | 1,370 |
| Net loans and leases to total assets | 48.4750% | 3,453 |
| Net loans and leases to deposits | 57.1028% | 3,329 |
| Net loans and leases to core deposits | 57.7964% | 3,492 |
| Total domestic deposits to total assets | 84.8907% | 3,305 |
| Equity capital to assets | 15.1034% | 481 |
| Core capital (leverage) ratio | 15.0198% | 459 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.8960% | 205 |
| Memoranda: | ||
| Average total assets | $49,056,200 | 4,572 |
| Average earning assets | $43,207,600 | 4,577 |
| Average equity | $7,639,800 | 4,361 |
| Average total loans | $24,127,600 | 4,496 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7716% | 2,087 |
| Cost of funding earning assets | 0.2647% | 2,960 |
| Net interest margin | 3.5069% | 1,847 |
| Noninterest income to average assets | 0.2792% | 3,760 |
| Noninterest expense to average assets | 2.4665% | 2,222 |
| Loan and lease loss provision to assets | 0.0411% | 2,177 |
| Net operating income to assets | 0.8185% | 3,475 |
| Return on assets (ROA) | 0.8185% | 3,552 |
| Pretax return on assets | 0.8185% | 3,857 |
| Return on Equity (ROE) | 5.2149% | 4,086 |
| Retained earnings to average equity (ytd only) | -0.0174% | 4,563 |
| Net charge-offs to loans | 0.0167% | 1,729 |
| Credit loss provision to net charge-offs | 500.0000% | 756 |
| Earnings coverage of net charge-offs (x) | 104.6667% | 853 |
| Efficiency ratio | 74.1564% | 1,205 |
| Assets per employee ($millions) | 6.1628% | 2,541 |
| Cash dividends to net income (ytd only)* | 100.3344% | 191 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9321% | 728 |
| Loan loss allowance to noncurrent loans | 247.2826% | 2,252 |
| Noncurrent assets plus other real estate owned to assets | 0.3732% | 1,954 |
| Noncurrent loans to loans | 0.7813% | 1,448 |
| Net loans and leases to total assets | 46.8439% | 3,729 |
| Net loans and leases to deposits | 55.4968% | 3,624 |
| Net loans and leases to core deposits | 56.1895% | 3,759 |
| Total domestic deposits to total assets | 84.4083% | 3,335 |
| Equity capital to assets | 15.5268% | 467 |
| Core capital (leverage) ratio | 14.8564% | 511 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 32.4426% | 205 |
| Memoranda: | ||
| Average total assets | $48,705,500 | 4,642 |
| Average earning assets | $42,315,500 | 4,653 |
| Average equity | $7,644,500 | 4,425 |
| Average total loans | $23,930,750 | 4,557 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8560% | 1,933 |
| Cost of funding earning assets | 0.2768% | 3,022 |
| Net interest margin | 3.5792% | 1,639 |
| Noninterest income to average assets | 0.2886% | 3,694 |
| Noninterest expense to average assets | 2.3832% | 2,524 |
| Loan and lease loss provision to assets | 0.0618% | 1,806 |
| Net operating income to assets | 0.9360% | 3,113 |
| Return on assets (ROA) | 0.9360% | 3,191 |
| Pretax return on assets | 0.9360% | 3,581 |
| Return on Equity (ROE) | 5.9416% | 3,916 |
| Retained earnings to average equity (ytd only) | -1.9107% | 4,664 |
| Net charge-offs to loans | 0.0249% | 1,445 |
| Credit loss provision to net charge-offs | 500.0000% | 677 |
| Earnings coverage of net charge-offs (x) | 80.6667% | 836 |
| Efficiency ratio | 70.4878% | 1,580 |
| Assets per employee ($millions) | 6.2900% | 2,344 |
| Cash dividends to net income (ytd only)* | 132.1586% | 124 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0065% | 602 |
| Loan loss allowance to noncurrent loans | 247.2826% | 2,159 |
| Noncurrent assets plus other real estate owned to assets | 0.3657% | 2,145 |
| Noncurrent loans to loans | 0.8114% | 1,513 |
| Net loans and leases to total assets | 44.1594% | 4,034 |
| Net loans and leases to deposits | 52.0740% | 3,989 |
| Net loans and leases to core deposits | 52.7064% | 4,098 |
| Total domestic deposits to total assets | 84.8013% | 3,178 |
| Equity capital to assets | 15.1550% | 507 |
| Core capital (leverage) ratio | 14.7517% | 503 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.5774% | 219 |
| Memoranda: | ||
| Average total assets | $48,506,667 | 4,669 |
| Average earning assets | $41,909,000 | 4,688 |
| Average equity | $7,641,000 | 4,454 |
| Average total loans | $24,057,667 | 4,588 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8912% | 1,850 |
| Cost of funding earning assets | 0.2827% | 3,168 |
| Net interest margin | 3.6086% | 1,562 |
| Noninterest income to average assets | 0.2689% | 3,787 |
| Noninterest expense to average assets | 2.2017% | 3,112 |
| Loan and lease loss provision to assets | 0.1261% | 1,086 |
| Net operating income to assets | 1.1597% | 2,300 |
| Return on assets (ROA) | 1.1597% | 2,368 |
| Pretax return on assets | 1.1597% | 2,954 |
| Return on Equity (ROE) | 7.2171% | 3,549 |
| Retained earnings to average equity (ytd only) | -8.4722% | 4,793 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1325% | 2,585 |
| Assets per employee ($millions) | 6.9701% | 1,823 |
| Cash dividends to net income (ytd only)* | 217.3913% | 97 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8807% | 762 |
| Loan loss allowance to noncurrent loans | 248.9130% | 2,013 |
| Noncurrent assets plus other real estate owned to assets | 0.3771% | 2,293 |
| Noncurrent loans to loans | 0.7556% | 1,726 |
| Net loans and leases to total assets | 48.9742% | 3,712 |
| Net loans and leases to deposits | 57.9217% | 3,650 |
| Net loans and leases to core deposits | 58.6740% | 3,791 |
| Total domestic deposits to total assets | 84.5525% | 3,262 |
| Equity capital to assets | 15.4127% | 450 |
| Core capital (leverage) ratio | 14.8971% | 494 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.0584% | 252 |
| Memoranda: | ||
| Average total assets | $47,600,000 | 4,703 |
| Average earning assets | $42,454,500 | 4,695 |
| Average equity | $7,648,500 | 4,467 |
| Average total loans | $24,748,500 | 4,599 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0683% | 2,518 |
| Cost of funding earning assets | 0.4477% | 3,296 |
| Net interest margin | 3.6207% | 2,071 |
| Noninterest income to average assets | 0.2909% | 3,743 |
| Noninterest expense to average assets | 2.3679% | 3,214 |
| Loan and lease loss provision to assets | 0.0754% | 3,439 |
| Net operating income to assets | 1.2109% | 1,518 |
| Return on assets (ROA) | 1.1958% | 1,672 |
| Pretax return on assets | 1.1958% | 2,339 |
| Return on Equity (ROE) | 7.3487% | 3,049 |
| Retained earnings to average equity (ytd only) | 2.7144% | 3,503 |
| Net charge-offs to loans | 0.1904% | 892 |
| Credit loss provision to net charge-offs | 74.4681% | 3,021 |
| Earnings coverage of net charge-offs (x) | 12.7021% | 2,317 |
| Efficiency ratio | 64.7995% | 2,703 |
| Assets per employee ($millions) | 6.6299% | 1,829 |
| Cash dividends to net income (ytd only)* | 63.0631% | 1,223 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7619% | 926 |
| Loan loss allowance to noncurrent loans | 163.4686% | 2,677 |
| Noncurrent assets plus other real estate owned to assets | 0.5839% | 1,808 |
| Noncurrent loans to loans | 1.0778% | 1,319 |
| Net loans and leases to total assets | 53.2246% | 3,560 |
| Net loans and leases to deposits | 63.9492% | 3,443 |
| Net loans and leases to core deposits | 64.8337% | 3,642 |
| Total domestic deposits to total assets | 83.2295% | 3,345 |
| Equity capital to assets | 16.7575% | 360 |
| Core capital (leverage) ratio | 16.0411% | 385 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.6157% | 235 |
| Memoranda: | ||
| Average total assets | $46,413,200 | 4,694 |
| Average earning assets | $43,113,600 | 4,682 |
| Average equity | $7,552,400 | 4,472 |
| Average total loans | $24,688,800 | 4,623 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0952% | 2,685 |
| Cost of funding earning assets | 0.4897% | 3,288 |
| Net interest margin | 3.6055% | 2,256 |
| Noninterest income to average assets | 0.2844% | 3,784 |
| Noninterest expense to average assets | 2.2809% | 3,469 |
| Loan and lease loss provision to assets | 0.0582% | 3,624 |
| Net operating income to assets | 1.3300% | 1,288 |
| Return on assets (ROA) | 1.3099% | 1,427 |
| Pretax return on assets | 1.3099% | 2,010 |
| Return on Equity (ROE) | 8.1105% | 2,768 |
| Retained earnings to average equity (ytd only) | 1.8853% | 3,969 |
| Net charge-offs to loans | 0.2116% | 724 |
| Credit loss provision to net charge-offs | 51.2821% | 2,880 |
| Earnings coverage of net charge-offs (x) | 12.3846% | 2,252 |
| Efficiency ratio | 62.1770% | 3,045 |
| Assets per employee ($millions) | 6.6501% | 1,713 |
| Cash dividends to net income (ytd only)* | 76.7544% | 654 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8051% | 711 |
| Loan loss allowance to noncurrent loans | 142.4837% | 2,790 |
| Noncurrent assets plus other real estate owned to assets | 0.6573% | 1,761 |
| Noncurrent loans to loans | 1.2669% | 1,179 |
| Net loans and leases to total assets | 50.9506% | 4,035 |
| Net loans and leases to deposits | 61.0895% | 3,988 |
| Net loans and leases to core deposits | 61.9269% | 4,114 |
| Total domestic deposits to total assets | 83.4031% | 3,024 |
| Equity capital to assets | 16.5195% | 413 |
| Core capital (leverage) ratio | 15.4910% | 469 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.6564% | 248 |
| Memoranda: | ||
| Average total assets | $46,414,250 | 4,721 |
| Average earning assets | $43,561,750 | 4,699 |
| Average equity | $7,496,250 | 4,497 |
| Average total loans | $24,575,000 | 4,654 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1375% | 2,944 |
| Cost of funding earning assets | 0.5365% | 3,312 |
| Net interest margin | 3.6010% | 2,479 |
| Noninterest income to average assets | 0.2976% | 3,686 |
| Noninterest expense to average assets | 2.2170% | 3,728 |
| Loan and lease loss provision to assets | 0.0216% | 3,976 |
| Net operating income to assets | 1.4751% | 970 |
| Return on assets (ROA) | 1.4449% | 1,118 |
| Pretax return on assets | 1.4449% | 1,601 |
| Return on Equity (ROE) | 9.0155% | 2,357 |
| Retained earnings to average equity (ytd only) | -0.4037% | 4,383 |
| Net charge-offs to loans | 0.2347% | 672 |
| Credit loss provision to net charge-offs | 17.2414% | 2,737 |
| Earnings coverage of net charge-offs (x) | 11.9655% | 2,081 |
| Efficiency ratio | 59.6980% | 3,448 |
| Assets per employee ($millions) | 6.8643% | 1,522 |
| Cash dividends to net income (ytd only)* | 104.4776% | 441 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7383% | 752 |
| Loan loss allowance to noncurrent loans | 132.2086% | 2,790 |
| Noncurrent assets plus other real estate owned to assets | 0.6785% | 1,806 |
| Noncurrent loans to loans | 1.3148% | 1,174 |
| Net loans and leases to total assets | 50.7055% | 4,123 |
| Net loans and leases to deposits | 60.2383% | 4,103 |
| Net loans and leases to core deposits | 61.0290% | 4,209 |
| Total domestic deposits to total assets | 84.1748% | 2,688 |
| Equity capital to assets | 15.7690% | 498 |
| Core capital (leverage) ratio | 15.1261% | 552 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.9747% | 282 |
| Memoranda: | ||
| Average total assets | $46,368,667 | 4,742 |
| Average earning assets | $43,987,667 | 4,720 |
| Average equity | $7,431,667 | 4,525 |
| Average total loans | $24,715,333 | 4,669 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1813% | 3,284 |
| Cost of funding earning assets | 0.5727% | 3,576 |
| Net interest margin | 3.6086% | 2,635 |
| Noninterest income to average assets | 0.3339% | 3,528 |
| Noninterest expense to average assets | 2.1789% | 4,065 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.6429% | 570 |
| Return on assets (ROA) | 1.5814% | 716 |
| Pretax return on assets | 1.5814% | 1,107 |
| Return on Equity (ROE) | 9.7839% | 1,815 |
| Retained earnings to average equity (ytd only) | -9.2404% | 4,739 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.0115% | 4,114 |
| Assets per employee ($millions) | 6.6354% | 1,271 |
| Cash dividends to net income (ytd only)* | 194.4444% | 314 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7483% | 790 |
| Loan loss allowance to noncurrent loans | 125.3444% | 2,875 |
| Noncurrent assets plus other real estate owned to assets | 0.7815% | 1,735 |
| Noncurrent loans to loans | 1.3948% | 1,148 |
| Net loans and leases to total assets | 55.0508% | 3,904 |
| Net loans and leases to deposits | 65.4265% | 3,900 |
| Net loans and leases to core deposits | 66.3105% | 4,065 |
| Total domestic deposits to total assets | 84.1414% | 2,741 |
| Equity capital to assets | 15.8220% | 611 |
| Core capital (leverage) ratio | 15.5447% | 593 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.8117% | 335 |
| Memoranda: | ||
| Average total assets | $45,528,000 | 4,775 |
| Average earning assets | $44,005,500 | 4,739 |
| Average equity | $7,359,000 | 4,568 |
| Average total loans | $24,675,500 | 4,702 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1713% | 3,881 |
| Cost of funding earning assets | 0.5276% | 3,979 |
| Net interest margin | 3.6437% | 2,984 |
| Noninterest income to average assets | 0.3465% | 3,632 |
| Noninterest expense to average assets | 2.3358% | 3,856 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.4824% | 1,096 |
| Return on assets (ROA) | 1.4524% | 1,237 |
| Pretax return on assets | 1.4524% | 1,970 |
| Return on Equity (ROE) | 9.6146% | 2,467 |
| Retained earnings to average equity (ytd only) | 1.1186% | 4,348 |
| Net charge-offs to loans | 0.0137% | 3,208 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 231.0000% | 357 |
| Efficiency ratio | 61.1765% | 3,509 |
| Assets per employee ($millions) | 6.3726% | 1,370 |
| Cash dividends to net income (ytd only)* | 88.3652% | 563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9506% | 496 |
| Loan loss allowance to noncurrent loans | 167.8967% | 2,395 |
| Noncurrent assets plus other real estate owned to assets | 0.6075% | 2,071 |
| Noncurrent loans to loans | 1.1618% | 1,304 |
| Net loans and leases to total assets | 51.2711% | 4,270 |
| Net loans and leases to deposits | 61.4300% | 4,217 |
| Net loans and leases to core deposits | 63.3704% | 4,309 |
| Total domestic deposits to total assets | 83.4626% | 3,040 |
| Equity capital to assets | 16.5195% | 525 |
| Core capital (leverage) ratio | 15.8014% | 546 |
| Tier 1 risk-based capital ratio | 30.4058% | 461 |
| Total risk-based capital ratio | 31.6718% | 456 |
| Memoranda: | ||
| Average total assets | $46,749,600 | 4,802 |
| Average earning assets | $44,543,000 | 4,773 |
| Average equity | $7,062,200 | 4,634 |
| Average total loans | $21,975,600 | 4,819 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1606% | 4,013 |
| Cost of funding earning assets | 0.5141% | 4,086 |
| Net interest margin | 3.6465% | 3,105 |
| Noninterest income to average assets | 0.3666% | 3,519 |
| Noninterest expense to average assets | 2.2078% | 4,165 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.6185% | 892 |
| Return on assets (ROA) | 1.5790% | 1,031 |
| Pretax return on assets | 1.5790% | 1,705 |
| Return on Equity (ROE) | 10.6886% | 2,144 |
| Retained earnings to average equity (ytd only) | -0.7634% | 4,840 |
| Net charge-offs to loans | 0.0185% | 2,762 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 191.3275% | 451 |
| Efficiency ratio | 57.7008% | 3,979 |
| Assets per employee ($millions) | 6.5900% | 1,229 |
| Cash dividends to net income (ytd only)* | 107.1426% | 251 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1249% | 377 |
| Loan loss allowance to noncurrent loans | 167.8967% | 2,398 |
| Noncurrent assets plus other real estate owned to assets | 0.5875% | 2,241 |
| Noncurrent loans to loans | 1.2656% | 1,234 |
| Net loans and leases to total assets | 45.4325% | 4,635 |
| Net loans and leases to deposits | 54.0015% | 4,629 |
| Net loans and leases to core deposits | 55.6594% | 4,697 |
| Total domestic deposits to total assets | 84.1318% | 2,773 |
| Equity capital to assets | 15.7815% | 680 |
| Core capital (leverage) ratio | 15.2426% | 685 |
| Tier 1 risk-based capital ratio | 32.0874% | 424 |
| Total risk-based capital ratio | 33.3648% | 415 |
| Memoranda: | ||
| Average total assets | $47,285,000 | 4,863 |
| Average earning assets | $44,864,250 | 4,837 |
| Average equity | $6,985,500 | 4,700 |
| Average total loans | $21,638,000 | 4,899 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0974% | 4,169 |
| Cost of funding earning assets | 0.4950% | 4,136 |
| Net interest margin | 3.6023% | 3,246 |
| Noninterest income to average assets | 0.3734% | 3,448 |
| Noninterest expense to average assets | 2.1187% | 4,380 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.6740% | 761 |
| Return on assets (ROA) | 1.6153% | 918 |
| Pretax return on assets | 1.6153% | 1,499 |
| Return on Equity (ROE) | 11.1799% | 1,909 |
| Retained earnings to average equity (ytd only) | -6.2433% | 5,100 |
| Net charge-offs to loans | 0.0276% | 2,301 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 133.0000% | 553 |
| Efficiency ratio | 55.8628% | 4,259 |
| Assets per employee ($millions) | 6.8339% | 1,075 |
| Cash dividends to net income (ytd only)* | 155.8442% | 129 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1310% | 373 |
| Loan loss allowance to noncurrent loans | 167.8967% | 2,449 |
| Noncurrent assets plus other real estate owned to assets | 0.5665% | 2,318 |
| Noncurrent loans to loans | 1.2693% | 1,248 |
| Net loans and leases to total assets | 43.6817% | 4,737 |
| Net loans and leases to deposits | 51.2785% | 4,768 |
| Net loans and leases to core deposits | 53.8515% | 4,784 |
| Total domestic deposits to total assets | 85.1851% | 2,397 |
| Equity capital to assets | 14.7605% | 873 |
| Core capital (leverage) ratio | 14.6127% | 796 |
| Tier 1 risk-based capital ratio | 30.4471% | 469 |
| Total risk-based capital ratio | 31.7203% | 459 |
| Memoranda: | ||
| Average total assets | $47,670,000 | 4,895 |
| Average earning assets | $45,248,670 | 4,868 |
| Average equity | $6,887,330 | 4,742 |
| Average total loans | $21,713,000 | 4,942 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9302% | 4,501 |
| Cost of funding earning assets | 0.4525% | 4,272 |
| Net interest margin | 3.4778% | 3,657 |
| Noninterest income to average assets | 0.3446% | 3,554 |
| Noninterest expense to average assets | 1.9501% | 4,732 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.6896% | 747 |
| Return on assets (ROA) | 1.5719% | 984 |
| Pretax return on assets | 1.5719% | 1,541 |
| Return on Equity (ROE) | 10.9992% | 1,945 |
| Retained earnings to average equity (ytd only) | -24.2923% | 5,284 |
| Net charge-offs to loans | -0.1096% | 5,050 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.5797% | 4,577 |
| Assets per employee ($millions) | 6.9069% | 1,039 |
| Cash dividends to net income (ytd only)* | 320.8556% | 79 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1262% | 402 |
| Loan loss allowance to noncurrent loans | 87.7127% | 3,571 |
| Noncurrent assets plus other real estate owned to assets | 1.0942% | 1,264 |
| Noncurrent loans to loans | 2.4240% | 549 |
| Net loans and leases to total assets | 44.1776% | 4,742 |
| Net loans and leases to deposits | 51.3006% | 4,774 |
| Net loans and leases to core deposits | 52.8544% | 4,817 |
| Total domestic deposits to total assets | 86.1152% | 2,225 |
| Equity capital to assets | 13.8455% | 1,092 |
| Core capital (leverage) ratio | 14.2794% | 871 |
| Tier 1 risk-based capital ratio | 29.1372% | 504 |
| Total risk-based capital ratio | 30.4129% | 497 |
| Memoranda: | ||
| Average total assets | $47,586,500 | 4,943 |
| Average earning assets | $45,086,500 | 4,918 |
| Average equity | $6,800,500 | 4,787 |
| Average total loans | $21,894,000 | 4,995 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0731% | 3,827 |
| Cost of funding earning assets | 0.3587% | 4,225 |
| Net interest margin | 3.7144% | 2,980 |
| Noninterest income to average assets | 0.3894% | 3,501 |
| Noninterest expense to average assets | 2.2172% | 4,299 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.6534% | 768 |
| Return on assets (ROA) | 1.6746% | 728 |
| Pretax return on assets | 1.6746% | 1,236 |
| Return on Equity (ROE) | 11.8628% | 1,764 |
| Retained earnings to average equity (ytd only) | 2.8187% | 3,994 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.2842% | 4,250 |
| Assets per employee ($millions) | 5.8531% | 1,623 |
| Cash dividends to net income (ytd only)* | 76.2389% | 823 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0851% | 411 |
| Loan loss allowance to noncurrent loans | 155.2542% | 2,648 |
| Noncurrent assets plus other real estate owned to assets | 0.6300% | 2,153 |
| Noncurrent loans to loans | 1.3430% | 1,168 |
| Net loans and leases to total assets | 45.9306% | 4,740 |
| Net loans and leases to deposits | 53.8860% | 4,755 |
| Net loans and leases to core deposits | 55.0544% | 4,808 |
| Total domestic deposits to total assets | 85.2365% | 2,537 |
| Equity capital to assets | 14.7507% | 774 |
| Core capital (leverage) ratio | 14.8493% | 723 |
| Tier 1 risk-based capital ratio | 30.8812% | 431 |
| Total risk-based capital ratio | 32.1553% | 426 |
| Memoranda: | ||
| Average total assets | $46,995,400 | 4,995 |
| Average earning assets | $44,045,000 | 4,976 |
| Average equity | $6,634,200 | 4,804 |
| Average total loans | $21,010,000 | 5,055 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0261% | 3,853 |
| Cost of funding earning assets | 0.3337% | 4,289 |
| Net interest margin | 3.6923% | 3,050 |
| Noninterest income to average assets | 0.3940% | 3,521 |
| Noninterest expense to average assets | 2.1316% | 4,488 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.7120% | 722 |
| Return on assets (ROA) | 1.7517% | 665 |
| Pretax return on assets | 1.7517% | 1,133 |
| Return on Equity (ROE) | 12.5492% | 1,594 |
| Retained earnings to average equity (ytd only) | 0.3655% | 4,976 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.4572% | 4,452 |
| Assets per employee ($millions) | 6.0371% | 1,464 |
| Cash dividends to net income (ytd only)* | 97.0873% | 295 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2447% | 327 |
| Loan loss allowance to noncurrent loans | 172.8302% | 2,492 |
| Noncurrent assets plus other real estate owned to assets | 0.5487% | 2,547 |
| Noncurrent loans to loans | 1.2988% | 1,286 |
| Net loans and leases to total assets | 41.2986% | 4,988 |
| Net loans and leases to deposits | 47.8919% | 5,010 |
| Net loans and leases to core deposits | 48.8837% | 5,047 |
| Total domestic deposits to total assets | 86.2331% | 2,084 |
| Equity capital to assets | 13.6986% | 1,057 |
| Core capital (leverage) ratio | 14.7738% | 764 |
| Tier 1 risk-based capital ratio | 30.9408% | 436 |
| Total risk-based capital ratio | 32.2173% | 431 |
| Memoranda: | ||
| Average total assets | $47,038,000 | 5,047 |
| Average earning assets | $43,945,750 | 5,028 |
| Average equity | $6,566,000 | 4,867 |
| Average total loans | $20,771,250 | 5,121 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0694% | 3,552 |
| Cost of funding earning assets | 0.3031% | 4,391 |
| Net interest margin | 3.7662% | 2,690 |
| Noninterest income to average assets | 0.4333% | 3,266 |
| Noninterest expense to average assets | 2.2009% | 4,369 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.7504% | 651 |
| Return on assets (ROA) | 1.8019% | 581 |
| Pretax return on assets | 1.8019% | 959 |
| Return on Equity (ROE) | 12.8257% | 1,431 |
| Retained earnings to average equity (ytd only) | -5.4967% | 5,310 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.7003% | 4,515 |
| Assets per employee ($millions) | 5.9180% | 1,530 |
| Cash dividends to net income (ytd only)* | 142.8571% | 158 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2945% | 318 |
| Loan loss allowance to noncurrent loans | 169.0037% | 2,545 |
| Noncurrent assets plus other real estate owned to assets | 0.5724% | 2,513 |
| Noncurrent loans to loans | 1.3576% | 1,250 |
| Net loans and leases to total assets | 41.1942% | 5,018 |
| Net loans and leases to deposits | 47.7535% | 5,035 |
| Net loans and leases to core deposits | 48.7599% | 5,068 |
| Total domestic deposits to total assets | 86.2644% | 2,161 |
| Equity capital to assets | 13.6596% | 1,047 |
| Core capital (leverage) ratio | 14.4021% | 803 |
| Tier 1 risk-based capital ratio | 31.3687% | 432 |
| Total risk-based capital ratio | 32.6452% | 428 |
| Memoranda: | ||
| Average total assets | $46,618,330 | 5,116 |
| Average earning assets | $43,544,670 | 5,098 |
| Average equity | $6,549,330 | 4,919 |
| Average total loans | $20,893,670 | 5,177 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9803% | 3,689 |
| Cost of funding earning assets | 0.2777% | 4,526 |
| Net interest margin | 3.7026% | 2,785 |
| Noninterest income to average assets | 0.4929% | 2,845 |
| Noninterest expense to average assets | 2.1533% | 4,533 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.7987% | 566 |
| Return on assets (ROA) | 1.7987% | 568 |
| Pretax return on assets | 1.7987% | 912 |
| Return on Equity (ROE) | 12.6242% | 1,371 |
| Retained earnings to average equity (ytd only) | -23.7918% | 5,531 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.4858% | 4,751 |
| Assets per employee ($millions) | 5.9428% | 1,560 |
| Cash dividends to net income (ytd only)* | 288.4615% | 78 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1407% | 431 |
| Loan loss allowance to noncurrent loans | 22,900.0000% | 41 |
| Noncurrent assets plus other real estate owned to assets | 0.0042% | 5,124 |
| Noncurrent loans to loans | 0.0093% | 4,969 |
| Net loans and leases to total assets | 44.0390% | 4,893 |
| Net loans and leases to deposits | 50.8019% | 4,931 |
| Net loans and leases to core deposits | 51.8602% | 4,985 |
| Total domestic deposits to total assets | 86.6876% | 2,242 |
| Equity capital to assets | 13.2851% | 1,122 |
| Core capital (leverage) ratio | 14.3323% | 798 |
| Tier 1 risk-based capital ratio | 27.0708% | 615 |
| Total risk-based capital ratio | 28.3474% | 604 |
| Memoranda: | ||
| Average total assets | $46,255,500 | 5,182 |
| Average earning assets | $43,213,000 | 5,159 |
| Average equity | $6,590,500 | 4,961 |
| Average total loans | $21,360,000 | 5,222 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0331% | 3,294 |
| Cost of funding earning assets | 0.2698% | 4,395 |
| Net interest margin | 3.7632% | 2,552 |
| Noninterest income to average assets | 0.3635% | 3,868 |
| Noninterest expense to average assets | 2.4533% | 3,929 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.3627% | 1,091 |
| Return on assets (ROA) | 1.3649% | 1,107 |
| Pretax return on assets | 1.3649% | 2,112 |
| Return on Equity (ROE) | 9.0455% | 2,294 |
| Retained earnings to average equity (ytd only) | 3.8724% | 2,886 |
| Net charge-offs to loans | -0.0331% | 5,080 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2899% | 3,563 |
| Assets per employee ($millions) | 5.6211% | 1,825 |
| Cash dividends to net income (ytd only)* | 57.1895% | 1,899 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1477% | 408 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 46.4031% | 4,864 |
| Net loans and leases to deposits | 54.7690% | 4,863 |
| Net loans and leases to core deposits | 56.0023% | 4,936 |
| Total domestic deposits to total assets | 84.7250% | 2,936 |
| Equity capital to assets | 15.2661% | 632 |
| Core capital (leverage) ratio | 15.0874% | 604 |
| Tier 1 risk-based capital ratio | 28.7305% | 509 |
| Total risk-based capital ratio | 30.0071% | 503 |
| Memoranda: | ||
| Average total assets | $44,837,600 | 5,255 |
| Average earning assets | $41,135,000 | 5,248 |
| Average equity | $6,765,800 | 4,984 |
| Average total loans | $21,173,200 | 5,280 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0185% | 3,286 |
| Cost of funding earning assets | 0.2590% | 4,490 |
| Net interest margin | 3.7594% | 2,540 |
| Noninterest income to average assets | 0.3511% | 4,020 |
| Noninterest expense to average assets | 2.3330% | 4,205 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.4730% | 953 |
| Return on assets (ROA) | 1.4760% | 963 |
| Pretax return on assets | 1.4760% | 1,861 |
| Return on Equity (ROE) | 9.8104% | 2,201 |
| Retained earnings to average equity (ytd only) | 2.8877% | 4,182 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.2979% | 4,001 |
| Assets per employee ($millions) | 5.6614% | 1,765 |
| Cash dividends to net income (ytd only)* | 70.5649% | 939 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1524% | 438 |
| Loan loss allowance to noncurrent loans | 71.2480% | 4,100 |
| Noncurrent assets plus other real estate owned to assets | 1.3976% | 1,120 |
| Noncurrent loans to loans | 3.0210% | 421 |
| Net loans and leases to total assets | 45.2673% | 4,975 |
| Net loans and leases to deposits | 53.4505% | 4,987 |
| Net loans and leases to core deposits | 54.6429% | 5,053 |
| Total domestic deposits to total assets | 84.6901% | 2,843 |
| Equity capital to assets | 15.2348% | 686 |
| Core capital (leverage) ratio | 15.1188% | 639 |
| Tier 1 risk-based capital ratio | 28.8903% | 524 |
| Total risk-based capital ratio | 30.1633% | 514 |
| Memoranda: | ||
| Average total assets | $44,804,750 | 5,311 |
| Average earning assets | $41,175,250 | 5,304 |
| Average equity | $6,741,000 | 5,044 |
| Average total loans | $21,135,250 | 5,332 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0216% | 3,132 |
| Cost of funding earning assets | 0.2434% | 4,606 |
| Net interest margin | 3.7781% | 2,368 |
| Noninterest income to average assets | 0.3674% | 3,929 |
| Noninterest expense to average assets | 2.2624% | 4,439 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.5814% | 741 |
| Return on assets (ROA) | 1.5814% | 758 |
| Pretax return on assets | 1.5814% | 1,401 |
| Return on Equity (ROE) | 10.5562% | 1,810 |
| Retained earnings to average equity (ytd only) | 0.0897% | 5,053 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.8578% | 4,482 |
| Assets per employee ($millions) | 5.7345% | 1,667 |
| Cash dividends to net income (ytd only)* | 99.1501% | 496 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2136% | 428 |
| 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 | 43.4279% | 5,070 |
| Net loans and leases to deposits | 50.9957% | 5,106 |
| Net loans and leases to core deposits | 52.1094% | 5,142 |
| Total domestic deposits to total assets | 85.1600% | 2,751 |
| Equity capital to assets | 14.7964% | 744 |
| Core capital (leverage) ratio | 15.1256% | 603 |
| Tier 1 risk-based capital ratio | 29.2543% | 499 |
| Total risk-based capital ratio | 30.5302% | 492 |
| Memoranda: | ||
| Average total assets | $44,642,670 | 5,353 |
| Average earning assets | $41,078,670 | 5,345 |
| Average equity | $6,688,000 | 5,079 |
| Average total loans | $21,196,000 | 5,373 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0571% | 2,815 |
| Cost of funding earning assets | 0.2444% | 4,581 |
| Net interest margin | 3.8127% | 2,076 |
| Noninterest income to average assets | 0.3816% | 3,796 |
| Noninterest expense to average assets | 2.2169% | 4,595 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.7081% | 540 |
| Return on assets (ROA) | 1.7081% | 549 |
| Pretax return on assets | 1.7081% | 986 |
| Return on Equity (ROE) | 11.3287% | 1,455 |
| Retained earnings to average equity (ytd only) | -9.7620% | 5,574 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.4815% | 4,892 |
| Assets per employee ($millions) | 5.5603% | 1,827 |
| Cash dividends to net income (ytd only)* | 186.1702% | 267 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1095% | 539 |
| 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 | 47.0482% | 4,888 |
| Net loans and leases to deposits | 55.2365% | 4,862 |
| Net loans and leases to core deposits | 56.1012% | 4,970 |
| Total domestic deposits to total assets | 85.1760% | 3,012 |
| Equity capital to assets | 14.7970% | 692 |
| Core capital (leverage) ratio | 14.8615% | 632 |
| Tier 1 risk-based capital ratio | 28.2429% | 546 |
| Total risk-based capital ratio | 29.5173% | 530 |
| Memoranda: | ||
| Average total assets | $44,026,000 | 5,420 |
| Average earning assets | $40,916,000 | 5,408 |
| Average equity | $6,638,000 | 5,132 |
| Average total loans | $21,607,000 | 5,417 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9729% | 3,301 |
| Cost of funding earning assets | 0.2468% | 4,596 |
| Net interest margin | 3.7261% | 2,590 |
| Noninterest income to average assets | 0.6142% | 2,588 |
| Noninterest expense to average assets | 2.5725% | 3,767 |
| Loan and lease loss provision to assets | 0.0232% | 3,906 |
| Net operating income to assets | 1.5528% | 760 |
| Return on assets (ROA) | 1.5597% | 770 |
| Pretax return on assets | 1.5597% | 1,401 |
| Return on Equity (ROE) | 10.1502% | 1,899 |
| Retained earnings to average equity (ytd only) | 6.3797% | 1,510 |
| Net charge-offs to loans | -0.6875% | 5,850 |
| Credit loss provision to net charge-offs | -7.1942% | 4,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0112% | 4,246 |
| Assets per employee ($millions) | 5.4463% | 1,910 |
| Cash dividends to net income (ytd only)* | 37.1471% | 3,006 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0655% | 580 |
| 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 | 49.0796% | 4,828 |
| Net loans and leases to deposits | 57.9937% | 4,787 |
| Net loans and leases to core deposits | 58.9253% | 4,911 |
| Total domestic deposits to total assets | 84.6293% | 3,199 |
| Equity capital to assets | 15.3638% | 587 |
| Core capital (leverage) ratio | 15.6297% | 511 |
| Tier 1 risk-based capital ratio | 26.8335% | 629 |
| Total risk-based capital ratio | 28.1063% | 616 |
| Memoranda: | ||
| Average total assets | $43,149,000 | 5,478 |
| Average earning assets | $40,927,400 | 5,444 |
| Average equity | $6,630,400 | 5,165 |
| Average total loans | $20,218,200 | 5,517 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9504% | 3,417 |
| Cost of funding earning assets | 0.2503% | 4,597 |
| Net interest margin | 3.7001% | 2,719 |
| Noninterest income to average assets | 0.6350% | 2,495 |
| Noninterest expense to average assets | 2.5462% | 3,843 |
| Loan and lease loss provision to assets | 0.0310% | 3,612 |
| Net operating income to assets | 1.5829% | 756 |
| Return on assets (ROA) | 1.5921% | 782 |
| Pretax return on assets | 1.5921% | 1,401 |
| Return on Equity (ROE) | 10.3609% | 1,911 |
| Retained earnings to average equity (ytd only) | 5.3215% | 2,609 |
| Net charge-offs to loans | -1.0094% | 5,920 |
| Credit loss provision to net charge-offs | -6.6667% | 4,607 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.2063% | 4,355 |
| Assets per employee ($millions) | 5.4341% | 1,921 |
| Cash dividends to net income (ytd only)* | 48.6386% | 1,949 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3798% | 391 |
| 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 | 43.5926% | 5,219 |
| Net loans and leases to deposits | 51.7773% | 5,216 |
| Net loans and leases to core deposits | 52.6139% | 5,287 |
| Total domestic deposits to total assets | 84.1925% | 3,146 |
| Equity capital to assets | 15.7063% | 594 |
| Core capital (leverage) ratio | 15.9759% | 476 |
| Tier 1 risk-based capital ratio | 28.4472% | 556 |
| Total risk-based capital ratio | 29.7196% | 541 |
| Memoranda: | ||
| Average total assets | $43,043,750 | 5,543 |
| Average earning assets | $41,007,250 | 5,496 |
| Average equity | $6,614,500 | 5,214 |
| Average total loans | $19,814,000 | 5,579 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9672% | 3,359 |
| Cost of funding earning assets | 0.2531% | 4,628 |
| Net interest margin | 3.7140% | 2,643 |
| Noninterest income to average assets | 0.7879% | 1,770 |
| Noninterest expense to average assets | 2.6107% | 3,684 |
| Loan and lease loss provision to assets | 0.0466% | 3,216 |
| Net operating income to assets | 1.6876% | 594 |
| Return on assets (ROA) | 1.6876% | 631 |
| Pretax return on assets | 1.6876% | 1,127 |
| Return on Equity (ROE) | 11.0647% | 1,613 |
| Retained earnings to average equity (ytd only) | 3.4233% | 3,714 |
| Net charge-offs to loans | -1.5039% | 6,004 |
| Credit loss provision to net charge-offs | -6.6667% | 4,448 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0858% | 4,627 |
| Assets per employee ($millions) | 5.4124% | 1,876 |
| Cash dividends to net income (ytd only)* | 69.0608% | 1,219 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3345% | 443 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 44.6384% | 5,196 |
| Net loans and leases to deposits | 52.8131% | 5,214 |
| Net loans and leases to core deposits | 53.6650% | 5,296 |
| Total domestic deposits to total assets | 84.5216% | 3,082 |
| Equity capital to assets | 15.4068% | 650 |
| Core capital (leverage) ratio | 15.4370% | 534 |
| Tier 1 risk-based capital ratio | 27.2071% | 634 |
| Total risk-based capital ratio | 28.4813% | 615 |
| Memoranda: | ||
| Average total assets | $42,900,670 | 5,608 |
| Average earning assets | $41,087,330 | 5,560 |
| Average equity | $6,543,330 | 5,274 |
| Average total loans | $19,947,670 | 5,634 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9598% | 3,367 |
| Cost of funding earning assets | 0.2432% | 4,772 |
| Net interest margin | 3.7166% | 2,605 |
| Noninterest income to average assets | 1.1803% | 787 |
| Noninterest expense to average assets | 2.4636% | 4,189 |
| Loan and lease loss provision to assets | 0.0937% | 2,128 |
| Net operating income to assets | 2.2013% | 224 |
| Return on assets (ROA) | 2.2013% | 237 |
| Pretax return on assets | 2.2013% | 377 |
| Return on Equity (ROE) | 14.5073% | 745 |
| Retained earnings to average equity (ytd only) | -0.9260% | 5,274 |
| Net charge-offs to loans | -2.9960% | 6,071 |
| Credit loss provision to net charge-offs | -6.6667% | 4,081 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.7717% | 5,527 |
| Assets per employee ($millions) | 4.7720% | 2,639 |
| Cash dividends to net income (ytd only)* | 106.3830% | 644 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2966% | 512 |
| 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 | 45.7646% | 5,133 |
| Net loans and leases to deposits | 53.9735% | 5,102 |
| Net loans and leases to core deposits | 54.8471% | 5,194 |
| Total domestic deposits to total assets | 84.7909% | 3,207 |
| Equity capital to assets | 15.1718% | 659 |
| Core capital (leverage) ratio | 15.0029% | 605 |
| Tier 1 risk-based capital ratio | 27.6402% | 636 |
| Total risk-based capital ratio | 28.9130% | 620 |
| Memoranda: | ||
| Average total assets | $42,701,500 | 5,664 |
| Average earning assets | $41,113,000 | 5,612 |
| Average equity | $6,479,500 | 5,323 |
| Average total loans | $20,026,500 | 5,682 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1473% | 2,745 |
| Cost of funding earning assets | 0.2532% | 4,746 |
| Net interest margin | 3.8942% | 2,050 |
| Noninterest income to average assets | 0.4887% | 3,402 |
| Noninterest expense to average assets | 2.7920% | 3,261 |
| Loan and lease loss provision to assets | 0.2105% | 996 |
| Net operating income to assets | 1.1552% | 1,711 |
| Return on assets (ROA) | 1.1762% | 1,723 |
| Pretax return on assets | 1.1762% | 2,745 |
| Return on Equity (ROE) | 7.8550% | 3,033 |
| Retained earnings to average equity (ytd only) | 0.0468% | 5,485 |
| Net charge-offs to loans | 0.6204% | 391 |
| Credit loss provision to net charge-offs | 69.2308% | 3,136 |
| Earnings coverage of net charge-offs (x) | 4.4923% | 3,546 |
| Efficiency ratio | 67.1541% | 3,719 |
| Assets per employee ($millions) | 4.7172% | 2,710 |
| Cash dividends to net income (ytd only)* | 99.4036% | 410 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5148% | 1,935 |
| 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 | 46.2466% | 5,138 |
| Net loans and leases to deposits | 54.5268% | 5,129 |
| Net loans and leases to core deposits | 56.2112% | 5,189 |
| Total domestic deposits to total assets | 84.8145% | 3,167 |
| Equity capital to assets | 15.1761% | 643 |
| Core capital (leverage) ratio | 15.3528% | 558 |
| Tier 1 risk-based capital ratio | 27.8372% | 610 |
| Total risk-based capital ratio | 29.1029% | 601 |
| Memoranda: | ||
| Average total assets | $42,764,600 | 5,710 |
| Average earning assets | $40,290,800 | 5,669 |
| Average equity | $6,403,600 | 5,355 |
| Average total loans | $20,955,800 | 5,684 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1729% | 2,671 |
| Cost of funding earning assets | 0.2525% | 4,855 |
| Net interest margin | 3.9204% | 1,965 |
| Noninterest income to average assets | 0.4979% | 3,382 |
| Noninterest expense to average assets | 2.6764% | 3,651 |
| Loan and lease loss provision to assets | 0.1867% | 1,097 |
| Net operating income to assets | 1.3071% | 1,323 |
| Return on assets (ROA) | 1.3351% | 1,305 |
| Pretax return on assets | 1.3351% | 2,263 |
| Return on Equity (ROE) | 8.9461% | 2,603 |
| Retained earnings to average equity (ytd only) | -1.4805% | 5,802 |
| Net charge-offs to loans | 0.8549% | 229 |
| Credit loss provision to net charge-offs | 44.1176% | 3,114 |
| Earnings coverage of net charge-offs (x) | 3.5294% | 3,492 |
| Efficiency ratio | 64.1791% | 4,212 |
| Assets per employee ($millions) | 4.7032% | 2,700 |
| Cash dividends to net income (ytd only)* | 116.5492% | 242 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3319% | 2,945 |
| Loan loss allowance to noncurrent loans | 13,300.0000% | 76 |
| Noncurrent assets plus other real estate owned to assets | 0.0047% | 5,796 |
| Noncurrent loans to loans | 0.0100% | 5,602 |
| Net loans and leases to total assets | 46.5544% | 5,190 |
| Net loans and leases to deposits | 54.9971% | 5,184 |
| Net loans and leases to core deposits | 57.1172% | 5,248 |
| Total domestic deposits to total assets | 84.6488% | 3,153 |
| Equity capital to assets | 15.2685% | 686 |
| Core capital (leverage) ratio | 15.0439% | 631 |
| Tier 1 risk-based capital ratio | 38.8164% | 266 |
| Total risk-based capital ratio | 40.0854% | 263 |
| Memoranda: | ||
| Average total assets | $42,842,000 | 5,782 |
| Average earning assets | $40,130,750 | 5,748 |
| Average equity | $6,393,750 | 5,425 |
| Average total loans | $21,210,750 | 5,742 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2427% | 2,383 |
| Cost of funding earning assets | 0.2487% | 4,955 |
| Net interest margin | 3.9940% | 1,654 |
| Noninterest income to average assets | 0.5487% | 3,048 |
| Noninterest expense to average assets | 2.7387% | 3,455 |
| Loan and lease loss provision to assets | 0.1395% | 1,565 |
| Net operating income to assets | 1.4042% | 1,084 |
| Return on assets (ROA) | 1.3717% | 1,188 |
| Pretax return on assets | 1.3717% | 2,102 |
| Return on Equity (ROE) | 9.2612% | 2,401 |
| Retained earnings to average equity (ytd only) | -6.4357% | 6,069 |
| Net charge-offs to loans | -0.1295% | 5,873 |
| Credit loss provision to net charge-offs | -214.2857% | 5,043 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9522% | 4,369 |
| Assets per employee ($millions) | 4.3705% | 3,180 |
| Cash dividends to net income (ytd only)* | 169.4915% | 142 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8673% | 1,232 |
| Loan loss allowance to noncurrent loans | 257.3333% | 1,830 |
| Noncurrent assets plus other real estate owned to assets | 0.3432% | 4,507 |
| Noncurrent loans to loans | 0.7256% | 3,308 |
| Net loans and leases to total assets | 46.4157% | 5,218 |
| Net loans and leases to deposits | 54.2711% | 5,236 |
| Net loans and leases to core deposits | 55.8812% | 5,318 |
| Total domestic deposits to total assets | 85.5257% | 2,908 |
| Equity capital to assets | 14.3874% | 847 |
| Core capital (leverage) ratio | 14.6096% | 684 |
| Tier 1 risk-based capital ratio | 32.9633% | 426 |
| Total risk-based capital ratio | 34.2410% | 420 |
| Memoranda: | ||
| Average total assets | $43,013,000 | 5,842 |
| Average earning assets | $40,210,000 | 5,803 |
| Average equity | $6,370,670 | 5,477 |
| Average total loans | $21,623,670 | 5,785 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2870% | 2,138 |
| Cost of funding earning assets | 0.2371% | 5,153 |
| Net interest margin | 4.0499% | 1,412 |
| Noninterest income to average assets | 0.7312% | 2,013 |
| Noninterest expense to average assets | 2.6250% | 3,845 |
| Loan and lease loss provision to assets | 0.1406% | 1,456 |
| Net operating income to assets | 1.8094% | 476 |
| Return on assets (ROA) | 1.7437% | 566 |
| Pretax return on assets | 1.7437% | 958 |
| Return on Equity (ROE) | 11.6032% | 1,450 |
| Retained earnings to average equity (ytd only) | -19.5883% | 6,269 |
| Net charge-offs to loans | -0.0362% | 5,356 |
| Credit loss provision to net charge-offs | -750.0000% | 4,907 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.3770% | 5,404 |
| Assets per employee ($millions) | 4.2976% | 3,375 |
| Cash dividends to net income (ytd only)* | 268.8172% | 139 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6420% | 1,917 |
| Loan loss allowance to noncurrent loans | 239.3333% | 1,920 |
| Noncurrent assets plus other real estate owned to assets | 0.3490% | 4,607 |
| Noncurrent loans to loans | 0.6861% | 3,564 |
| Net loans and leases to total assets | 50.0396% | 4,847 |
| Net loans and leases to deposits | 58.6559% | 4,867 |
| Net loans and leases to core deposits | 60.8603% | 4,930 |
| Total domestic deposits to total assets | 85.3104% | 3,261 |
| Equity capital to assets | 14.6477% | 794 |
| Core capital (leverage) ratio | 14.7209% | 650 |
| Tier 1 risk-based capital ratio | 21.2985% | 1,369 |
| Total risk-based capital ratio | 22.5117% | 1,352 |
| Memoranda: | ||
| Average total assets | $42,667,000 | 5,901 |
| Average earning assets | $40,494,500 | 5,850 |
| Average equity | $6,412,000 | 5,514 |
| Average total loans | $22,099,500 | 5,820 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2893% | 2,649 |
| Cost of funding earning assets | 0.2656% | 5,158 |
| Net interest margin | 4.0236% | 1,826 |
| Noninterest income to average assets | 0.4819% | 3,638 |
| Noninterest expense to average assets | 2.8266% | 3,392 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.3594% | 1,165 |
| Return on assets (ROA) | 1.3833% | 1,151 |
| Pretax return on assets | 1.3833% | 1,940 |
| Return on Equity (ROE) | 9.0595% | 2,556 |
| Retained earnings to average equity (ytd only) | -0.3611% | 5,829 |
| Net charge-offs to loans | -0.0328% | 5,812 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5258% | 3,979 |
| Assets per employee ($millions) | 4.2358% | 3,469 |
| Cash dividends to net income (ytd only)* | 103.9861% | 307 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5312% | 2,338 |
| Loan loss allowance to noncurrent loans | 228.0000% | 2,032 |
| Noncurrent assets plus other real estate owned to assets | 0.3541% | 4,638 |
| Noncurrent loans to loans | 0.6716% | 3,667 |
| Net loans and leases to total assets | 51.9217% | 4,797 |
| Net loans and leases to deposits | 61.3901% | 4,772 |
| Net loans and leases to core deposits | 63.7515% | 4,850 |
| Total domestic deposits to total assets | 84.5767% | 3,468 |
| Equity capital to assets | 15.4139% | 627 |
| Core capital (leverage) ratio | 14.7754% | 652 |
| Tier 1 risk-based capital ratio | 22.3698% | 1,170 |
| Total risk-based capital ratio | 23.5846% | 1,156 |
| Memoranda: | ||
| Average total assets | $41,710,600 | 5,991 |
| Average earning assets | $38,398,200 | 5,973 |
| Average equity | $6,369,000 | 5,554 |
| Average total loans | $18,310,200 | 6,030 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2616% | 2,769 |
| Cost of funding earning assets | 0.2701% | 5,199 |
| Net interest margin | 3.9916% | 1,908 |
| Noninterest income to average assets | 0.5102% | 3,481 |
| Noninterest expense to average assets | 2.7052% | 3,808 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.4569% | 1,010 |
| Return on assets (ROA) | 1.4569% | 1,052 |
| Pretax return on assets | 1.4569% | 1,787 |
| Return on Equity (ROE) | 9.5642% | 2,419 |
| Retained earnings to average equity (ytd only) | -3.0757% | 6,150 |
| Net charge-offs to loans | -0.0308% | 5,748 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9961% | 4,372 |
| Assets per employee ($millions) | 4.1847% | 3,519 |
| Cash dividends to net income (ytd only)* | 132.1582% | 178 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8630% | 1,543 |
| Loan loss allowance to noncurrent loans | 226.6667% | 1,957 |
| Noncurrent assets plus other real estate owned to assets | 0.3584% | 4,848 |
| Noncurrent loans to loans | 0.8219% | 3,518 |
| Net loans and leases to total assets | 42.7988% | 5,611 |
| Net loans and leases to deposits | 50.6061% | 5,609 |
| Net loans and leases to core deposits | 52.5744% | 5,652 |
| Total domestic deposits to total assets | 84.5724% | 3,511 |
| Equity capital to assets | 15.3273% | 668 |
| Core capital (leverage) ratio | 14.8216% | 656 |
| Tier 1 risk-based capital ratio | 24.5831% | 920 |
| Total risk-based capital ratio | 25.8329% | 910 |
| Memoranda: | ||
| Average total assets | $41,548,750 | 6,066 |
| Average earning assets | $38,012,750 | 6,053 |
| Average equity | $6,329,000 | 5,618 |
| Average total loans | $17,304,000 | 6,138 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3604% | 2,331 |
| Cost of funding earning assets | 0.2712% | 5,275 |
| Net interest margin | 4.0892% | 1,546 |
| Noninterest income to average assets | 0.5742% | 2,964 |
| Noninterest expense to average assets | 2.7069% | 3,836 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.5778% | 743 |
| Return on assets (ROA) | 1.5778% | 775 |
| Pretax return on assets | 1.5778% | 1,313 |
| Return on Equity (ROE) | 10.3798% | 1,982 |
| Retained earnings to average equity (ytd only) | -8.6657% | 6,391 |
| Net charge-offs to loans | -0.0353% | 5,744 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1757% | 4,826 |
| Assets per employee ($millions) | 4.2175% | 3,429 |
| Cash dividends to net income (ytd only)* | 183.4862% | 150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9173% | 1,537 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 41.1191% | 5,738 |
| Net loans and leases to deposits | 48.3846% | 5,756 |
| Net loans and leases to core deposits | 50.2405% | 5,780 |
| Total domestic deposits to total assets | 84.9840% | 3,518 |
| Equity capital to assets | 14.9591% | 709 |
| Core capital (leverage) ratio | 14.1567% | 788 |
| Tier 1 risk-based capital ratio | 24.4414% | 939 |
| Total risk-based capital ratio | 25.6940% | 916 |
| Memoranda: | ||
| Average total assets | $41,449,330 | 6,125 |
| Average earning assets | $37,611,330 | 6,124 |
| Average equity | $6,300,670 | 5,655 |
| Average total loans | $16,988,670 | 6,200 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4317% | 2,015 |
| Cost of funding earning assets | 0.2702% | 5,382 |
| Net interest margin | 4.1614% | 1,316 |
| Noninterest income to average assets | 0.7496% | 1,958 |
| Noninterest expense to average assets | 2.6091% | 4,236 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.8887% | 402 |
| Return on assets (ROA) | 1.8887% | 423 |
| Pretax return on assets | 1.8887% | 667 |
| Return on Equity (ROE) | 12.3243% | 1,335 |
| Retained earnings to average equity (ytd only) | -25.7921% | 6,590 |
| Net charge-offs to loans | -0.0240% | 5,441 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0087% | 5,643 |
| Assets per employee ($millions) | 4.1574% | 3,613 |
| Cash dividends to net income (ytd only)* | 309.2784% | 109 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0550% | 1,404 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 38.6347% | 5,899 |
| Net loans and leases to deposits | 45.3460% | 5,897 |
| Net loans and leases to core deposits | 46.7612% | 5,952 |
| Total domestic deposits to total assets | 85.1999% | 3,779 |
| Equity capital to assets | 14.7376% | 727 |
| Core capital (leverage) ratio | 14.2338% | 750 |
| Tier 1 risk-based capital ratio | 24.9799% | 891 |
| Total risk-based capital ratio | 26.2300% | 876 |
| Memoranda: | ||
| Average total assets | $41,086,500 | 6,199 |
| Average earning assets | $37,006,500 | 6,203 |
| Average equity | $6,296,500 | 5,690 |
| Average total loans | $16,642,500 | 6,276 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1707% | 3,455 |
| Cost of funding earning assets | 0.2876% | 5,689 |
| Net interest margin | 3.8831% | 2,356 |
| Noninterest income to average assets | 0.4753% | 3,924 |
| Noninterest expense to average assets | 2.8053% | 3,703 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.2235% | 1,474 |
| Return on assets (ROA) | 1.2235% | 1,542 |
| Pretax return on assets | 1.2235% | 2,487 |
| Return on Equity (ROE) | 7.7062% | 3,193 |
| Retained earnings to average equity (ytd only) | 7.7062% | 1,150 |
| Net charge-offs to loans | -0.0304% | 6,230 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6310% | 3,897 |
| Assets per employee ($millions) | 4.0599% | 3,737 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9898% | 1,581 |
| Loan loss allowance to noncurrent loans | 156.2791% | 2,589 |
| Noncurrent assets plus other real estate owned to assets | 0.5296% | 4,655 |
| Noncurrent loans to loans | 1.2732% | 3,004 |
| Net loans and leases to total assets | 40.7646% | 5,910 |
| Net loans and leases to deposits | 48.5039% | 5,864 |
| Net loans and leases to core deposits | 49.7012% | 5,955 |
| Total domestic deposits to total assets | 84.0439% | 4,152 |
| Equity capital to assets | 15.9265% | 536 |
| Core capital (leverage) ratio | 15.6099% | 525 |
| Tier 1 risk-based capital ratio | 26.0165% | 772 |
| Total risk-based capital ratio | 27.2675% | 752 |
| Memoranda: | ||
| Average total assets | $41,029,600 | 6,263 |
| Average earning assets | $37,547,600 | 6,232 |
| Average equity | $6,514,200 | 5,689 |
| Average total loans | $16,454,200 | 6,352 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2026% | 3,383 |
| Cost of funding earning assets | 0.2934% | 5,782 |
| Net interest margin | 3.9093% | 2,238 |
| Noninterest income to average assets | 0.4959% | 3,836 |
| Noninterest expense to average assets | 2.7193% | 3,951 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.3613% | 1,203 |
| Return on assets (ROA) | 1.3645% | 1,237 |
| Pretax return on assets | 1.3645% | 2,061 |
| Return on Equity (ROE) | 8.6010% | 2,838 |
| Retained earnings to average equity (ytd only) | 8.6010% | 1,197 |
| Net charge-offs to loans | 0.0163% | 4,799 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 209.7341% | 278 |
| Efficiency ratio | 66.6402% | 4,363 |
| Assets per employee ($millions) | 4.0079% | 3,818 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0919% | 1,525 |
| Loan loss allowance to noncurrent loans | 151.6129% | 2,519 |
| Noncurrent assets plus other real estate owned to assets | 0.5414% | 4,825 |
| Noncurrent loans to loans | 1.3798% | 3,106 |
| Net loans and leases to total assets | 38.4191% | 6,148 |
| Net loans and leases to deposits | 45.8875% | 6,107 |
| Net loans and leases to core deposits | 47.0383% | 6,166 |
| Total domestic deposits to total assets | 83.7246% | 4,306 |
| Equity capital to assets | 16.1456% | 528 |
| Core capital (leverage) ratio | 15.4522% | 571 |
| Tier 1 risk-based capital ratio | 27.0045% | 704 |
| Total risk-based capital ratio | 28.2549% | 689 |
| Memoranda: | ||
| Average total assets | $41,137,250 | 6,327 |
| Average earning assets | $37,721,500 | 6,309 |
| Average equity | $6,526,250 | 5,760 |
| Average total loans | $16,346,250 | 6,421 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2651% | 3,098 |
| Cost of funding earning assets | 0.2976% | 5,847 |
| Net interest margin | 3.9675% | 1,978 |
| Noninterest income to average assets | 0.5302% | 3,632 |
| Noninterest expense to average assets | 2.6705% | 4,143 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.5233% | 866 |
| Return on assets (ROA) | 1.5281% | 925 |
| Pretax return on assets | 1.5281% | 1,541 |
| Return on Equity (ROE) | 9.6873% | 2,324 |
| Retained earnings to average equity (ytd only) | 9.6873% | 917 |
| Net charge-offs to loans | 0.0242% | 4,361 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 158.0000% | 314 |
| Efficiency ratio | 63.6782% | 4,914 |
| Assets per employee ($millions) | 4.0828% | 3,617 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0408% | 1,763 |
| Loan loss allowance to noncurrent loans | 889.1892% | 516 |
| Noncurrent assets plus other real estate owned to assets | 0.0906% | 6,219 |
| Noncurrent loans to loans | 0.2295% | 5,732 |
| Net loans and leases to total assets | 38.6793% | 6,133 |
| Net loans and leases to deposits | 45.9805% | 6,106 |
| Net loans and leases to core deposits | 47.1051% | 6,173 |
| Total domestic deposits to total assets | 84.1212% | 4,266 |
| Equity capital to assets | 15.7906% | 559 |
| Core capital (leverage) ratio | 14.7040% | 666 |
| Tier 1 risk-based capital ratio | 26.3345% | 745 |
| Total risk-based capital ratio | 27.5875% | 730 |
| Memoranda: | ||
| Average total assets | $41,490,000 | 6,361 |
| Average earning assets | $38,311,000 | 6,337 |
| Average equity | $6,544,670 | 5,796 |
| Average total loans | $16,552,670 | 6,452 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4658% | 2,294 |
| Cost of funding earning assets | 0.3019% | 5,953 |
| Net interest margin | 4.1640% | 1,293 |
| Noninterest income to average assets | 0.6695% | 2,762 |
| Noninterest expense to average assets | 2.5250% | 4,675 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.9703% | 359 |
| Return on assets (ROA) | 1.9799% | 381 |
| Pretax return on assets | 1.9799% | 613 |
| Return on Equity (ROE) | 12.5578% | 1,279 |
| Retained earnings to average equity (ytd only) | 12.5578% | 615 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.1702% | 6,051 |
| Assets per employee ($millions) | 4.2157% | 3,509 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8744% | 2,381 |
| Loan loss allowance to noncurrent loans | 1,439.1304% | 344 |
| Noncurrent assets plus other real estate owned to assets | 0.0546% | 6,444 |
| Noncurrent loans to loans | 0.1302% | 6,081 |
| Net loans and leases to total assets | 41.1035% | 5,912 |
| Net loans and leases to deposits | 48.8787% | 5,860 |
| Net loans and leases to core deposits | 50.3999% | 5,950 |
| Total domestic deposits to total assets | 84.0928% | 4,436 |
| Equity capital to assets | 15.8384% | 585 |
| Core capital (leverage) ratio | 14.2452% | 731 |
| Tier 1 risk-based capital ratio | 24.3044% | 982 |
| Total risk-based capital ratio | 25.5545% | 962 |
| Memoranda: | ||
| Average total assets | $41,821,000 | 6,409 |
| Average earning assets | $38,425,000 | 6,390 |
| Average equity | $6,593,500 | 5,842 |
| Average total loans | $16,768,500 | 6,496 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2911% | 4,221 |
| Cost of funding earning assets | 0.4020% | 5,904 |
| Net interest margin | 3.8890% | 2,877 |
| Noninterest income to average assets | 0.4988% | 3,912 |
| Noninterest expense to average assets | 2.7836% | 4,091 |
| Loan and lease loss provision to assets | 0.0730% | 4,812 |
| Net operating income to assets | 1.1728% | 1,685 |
| Return on assets (ROA) | 1.2045% | 1,752 |
| Pretax return on assets | 1.2045% | 2,793 |
| Return on Equity (ROE) | 7.1852% | 3,541 |
| Retained earnings to average equity (ytd only) | -3.7014% | 6,332 |
| Net charge-offs to loans | 0.1416% | 4,278 |
| Credit loss provision to net charge-offs | 136.3636% | 2,028 |
| Earnings coverage of net charge-offs (x) | 23.2727% | 1,226 |
| Efficiency ratio | 69.0821% | 3,960 |
| Assets per employee ($millions) | 4.1485% | 3,653 |
| Cash dividends to net income (ytd only)* | 151.5152% | 212 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0846% | 1,807 |
| Loan loss allowance to noncurrent loans | 1,324.0000% | 372 |
| Noncurrent assets plus other real estate owned to assets | 0.0603% | 6,467 |
| Noncurrent loans to loans | 0.1575% | 6,086 |
| Net loans and leases to total assets | 37.4762% | 6,337 |
| Net loans and leases to deposits | 44.4785% | 6,343 |
| Net loans and leases to core deposits | 45.8817% | 6,380 |
| Total domestic deposits to total assets | 84.2570% | 4,203 |
| Equity capital to assets | 15.6924% | 605 |
| Core capital (leverage) ratio | 13.8255% | 845 |
| Tier 1 risk-based capital ratio | 25.2901% | 818 |
| Total risk-based capital ratio | 26.5415% | 810 |
| Memoranda: | ||
| Average total assets | $41,097,400 | 6,466 |
| Average earning assets | $37,310,000 | 6,462 |
| Average equity | $6,889,200 | 5,792 |
| Average total loans | $15,540,800 | 6,627 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3363% | 4,307 |
| Cost of funding earning assets | 0.4225% | 5,971 |
| Net interest margin | 3.9138% | 2,863 |
| Noninterest income to average assets | 0.5301% | 3,747 |
| Noninterest expense to average assets | 2.6471% | 4,576 |
| Loan and lease loss provision to assets | 0.0976% | 4,354 |
| Net operating income to assets | 1.3398% | 1,350 |
| Return on assets (ROA) | 1.3853% | 1,387 |
| Pretax return on assets | 1.3853% | 2,281 |
| Return on Equity (ROE) | 8.1327% | 3,220 |
| Retained earnings to average equity (ytd only) | 8.1327% | 1,562 |
| Net charge-offs to loans | -0.0690% | 6,779 |
| Credit loss provision to net charge-offs | -375.0000% | 6,398 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8089% | 4,654 |
| Assets per employee ($millions) | 4.0779% | 3,724 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3175% | 1,485 |
| Loan loss allowance to noncurrent loans | 308.5470% | 1,208 |
| Noncurrent assets plus other real estate owned to assets | 0.4365% | 5,581 |
| Noncurrent loans to loans | 0.7511% | 4,916 |
| Net loans and leases to total assets | 37.3133% | 6,462 |
| Net loans and leases to deposits | 45.4752% | 6,422 |
| Net loans and leases to core deposits | 46.6148% | 6,483 |
| Total domestic deposits to total assets | 82.0520% | 5,001 |
| Equity capital to assets | 17.8204% | 376 |
| Core capital (leverage) ratio | 15.9345% | 486 |
| Tier 1 risk-based capital ratio | 29.0594% | 578 |
| Total risk-based capital ratio | 30.3156% | 570 |
| Memoranda: | ||
| Average total assets | $41,000,500 | 6,550 |
| Average earning assets | $37,235,000 | 6,541 |
| Average equity | $6,984,000 | 5,835 |
| Average total loans | $15,456,500 | 6,718 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3833% | 4,247 |
| Cost of funding earning assets | 0.4442% | 6,000 |
| Net interest margin | 3.9391% | 2,751 |
| Noninterest income to average assets | 0.6671% | 2,850 |
| Noninterest expense to average assets | 2.5661% | 4,898 |
| Loan and lease loss provision to assets | 0.0730% | 4,715 |
| Net operating income to assets | 1.6117% | 817 |
| Return on assets (ROA) | 1.6799% | 786 |
| Pretax return on assets | 1.6799% | 1,315 |
| Return on Equity (ROE) | 10.0150% | 2,343 |
| Retained earnings to average equity (ytd only) | 10.0150% | 969 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.3666% | 5,519 |
| Assets per employee ($millions) | 4.0781% | 3,702 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2674% | 1,644 |
| Loan loss allowance to noncurrent loans | 222.3684% | 1,556 |
| Noncurrent assets plus other real estate owned to assets | 0.5272% | 5,444 |
| Noncurrent loans to loans | 1.0197% | 4,468 |
| Net loans and leases to total assets | 35.7250% | 6,620 |
| Net loans and leases to deposits | 43.2854% | 6,586 |
| Net loans and leases to core deposits | 45.0550% | 6,619 |
| Total domestic deposits to total assets | 82.5335% | 4,939 |
| Equity capital to assets | 17.3855% | 395 |
| Core capital (leverage) ratio | 15.5446% | 520 |
| Tier 1 risk-based capital ratio | 29.0334% | 569 |
| Total risk-based capital ratio | 30.2863% | 554 |
| Memoranda: | ||
| Average total assets | $41,074,330 | 6,587 |
| Average earning assets | $37,369,000 | 6,578 |
| Average equity | $6,889,670 | 5,880 |
| Average total loans | $15,416,330 | 6,775 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2294% | 4,998 |
| Cost of funding earning assets | 0.4676% | 6,033 |
| Net interest margin | 3.7619% | 3,555 |
| Noninterest income to average assets | 0.8248% | 2,047 |
| Noninterest expense to average assets | 2.2901% | 5,790 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.9699% | 446 |
| Return on assets (ROA) | 2.0960% | 409 |
| Pretax return on assets | 2.0960% | 641 |
| Return on Equity (ROE) | 12.7255% | 1,482 |
| Retained earnings to average equity (ytd only) | 12.7255% | 724 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.7585% | 6,373 |
| Assets per employee ($millions) | 4.1582% | 3,671 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1033% | 2,097 |
| Loan loss allowance to noncurrent loans | 57.8853% | 4,640 |
| Noncurrent assets plus other real estate owned to assets | 1.4934% | 3,624 |
| Noncurrent loans to loans | 3.6335% | 1,708 |
| Net loans and leases to total assets | 36.1551% | 6,607 |
| Net loans and leases to deposits | 43.4170% | 6,590 |
| Net loans and leases to core deposits | 45.1377% | 6,614 |
| Total domestic deposits to total assets | 83.2740% | 4,823 |
| Equity capital to assets | 16.6875% | 474 |
| Core capital (leverage) ratio | 15.0132% | 599 |
| Tier 1 risk-based capital ratio | 28.1653% | 625 |
| Total risk-based capital ratio | 29.4189% | 614 |
| Memoranda: | ||
| Average total assets | $41,221,000 | 6,637 |
| Average earning assets | $37,641,000 | 6,620 |
| Average equity | $6,789,500 | 5,936 |
| Average total loans | $15,671,000 | 6,810 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3212% | 5,695 |
| Cost of funding earning assets | 0.6667% | 5,731 |
| Net interest margin | 3.6544% | 4,497 |
| Noninterest income to average assets | 0.5765% | 3,319 |
| Noninterest expense to average assets | 2.7303% | 4,618 |
| Loan and lease loss provision to assets | 0.0374% | 6,100 |
| Net operating income to assets | 1.0507% | 2,001 |
| Return on assets (ROA) | 1.0756% | 2,042 |
| Pretax return on assets | 1.0756% | 2,927 |
| Return on Equity (ROE) | 6.5856% | 3,598 |
| Retained earnings to average equity (ytd only) | 0.4737% | 5,616 |
| Net charge-offs to loans | -0.0628% | 7,080 |
| Credit loss provision to net charge-offs | -166.6667% | 6,734 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5033% | 3,691 |
| Assets per employee ($millions) | 4.0860% | 3,677 |
| Cash dividends to net income (ytd only)* | 92.8074% | 468 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0206% | 2,211 |
| Loan loss allowance to noncurrent loans | 60.4869% | 4,479 |
| Noncurrent assets plus other real estate owned to assets | 1.4684% | 3,764 |
| Noncurrent loans to loans | 3.3406% | 1,939 |
| Net loans and leases to total assets | 38.3309% | 6,637 |
| Net loans and leases to deposits | 45.7980% | 6,634 |
| Net loans and leases to core deposits | 47.6338% | 6,661 |
| Total domestic deposits to total assets | 83.6955% | 4,451 |
| Equity capital to assets | 16.2506% | 549 |
| Core capital (leverage) ratio | 14.6981% | 665 |
| Tier 1 risk-based capital ratio | 26.1808% | 760 |
| Total risk-based capital ratio | 27.4306% | 748 |
| Memoranda: | ||
| Average total assets | $40,069,400 | 6,673 |
| Average earning assets | $35,546,000 | 6,691 |
| Average equity | $6,544,600 | 6,000 |
| Average total loans | $14,338,600 | 6,932 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3513% | 5,767 |
| Cost of funding earning assets | 0.7182% | 5,660 |
| Net interest margin | 3.6331% | 4,644 |
| Noninterest income to average assets | 0.6119% | 3,093 |
| Noninterest expense to average assets | 2.6317% | 4,967 |
| Loan and lease loss provision to assets | 0.0502% | 5,821 |
| Net operating income to assets | 1.1102% | 1,932 |
| Return on assets (ROA) | 1.1102% | 2,070 |
| Pretax return on assets | 1.1102% | 2,965 |
| Return on Equity (ROE) | 6.7885% | 3,617 |
| Retained earnings to average equity (ytd only) | -1.3903% | 6,217 |
| Net charge-offs to loans | -0.1053% | 7,176 |
| Credit loss provision to net charge-offs | -136.3636% | 6,553 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4004% | 4,058 |
| Assets per employee ($millions) | 4.1543% | 3,532 |
| Cash dividends to net income (ytd only)* | 120.4807% | 182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4584% | 1,454 |
| Loan loss allowance to noncurrent loans | 878.3784% | 404 |
| Noncurrent assets plus other real estate owned to assets | 0.2479% | 6,441 |
| Noncurrent loans to loans | 0.2799% | 6,301 |
| Net loans and leases to total assets | 31.0401% | 7,054 |
| Net loans and leases to deposits | 36.9770% | 7,061 |
| Net loans and leases to core deposits | 38.4272% | 7,078 |
| Total domestic deposits to total assets | 83.9443% | 4,256 |
| Equity capital to assets | 15.9136% | 641 |
| Core capital (leverage) ratio | 14.6517% | 738 |
| Tier 1 risk-based capital ratio | 28.8598% | 602 |
| Total risk-based capital ratio | 30.1154% | 590 |
| Memoranda: | ||
| Average total assets | $39,871,750 | 6,734 |
| Average earning assets | $34,900,500 | 6,781 |
| Average equity | $6,520,750 | 6,051 |
| Average total loans | $13,927,000 | 7,023 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4784% | 5,421 |
| Cost of funding earning assets | 0.7522% | 5,654 |
| Net interest margin | 3.7262% | 4,145 |
| Noninterest income to average assets | 0.6359% | 2,919 |
| Noninterest expense to average assets | 2.6046% | 5,164 |
| Loan and lease loss provision to assets | 0.0763% | 5,357 |
| Net operating income to assets | 1.2057% | 1,550 |
| Return on assets (ROA) | 1.2057% | 1,637 |
| Pretax return on assets | 1.2057% | 2,461 |
| Return on Equity (ROE) | 7.3028% | 3,297 |
| Retained earnings to average equity (ytd only) | 7.3028% | 1,740 |
| Net charge-offs to loans | -0.0989% | 7,164 |
| Credit loss provision to net charge-offs | -214.2857% | 6,396 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0157% | 4,697 |
| Assets per employee ($millions) | 3.6203% | 4,635 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5545% | 1,358 |
| Loan loss allowance to noncurrent loans | 867.5676% | 419 |
| Noncurrent assets plus other real estate owned to assets | 0.2863% | 6,414 |
| Noncurrent loans to loans | 0.2944% | 6,325 |
| Net loans and leases to total assets | 30.7486% | 7,152 |
| Net loans and leases to deposits | 37.3050% | 7,141 |
| Net loans and leases to core deposits | 38.2537% | 7,161 |
| Total domestic deposits to total assets | 82.4247% | 5,012 |
| Equity capital to assets | 17.1860% | 468 |
| Core capital (leverage) ratio | 15.7155% | 536 |
| Tier 1 risk-based capital ratio | 31.5027% | 474 |
| Total risk-based capital ratio | 32.7565% | 466 |
| Memoranda: | ||
| Average total assets | $39,314,670 | 6,813 |
| Average earning assets | $34,298,000 | 6,859 |
| Average equity | $6,490,670 | 6,086 |
| Average total loans | $14,162,670 | 7,080 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5379% | 5,210 |
| Cost of funding earning assets | 0.7779% | 5,685 |
| Net interest margin | 3.7600% | 3,801 |
| Noninterest income to average assets | 0.7373% | 2,335 |
| Noninterest expense to average assets | 2.4372% | 5,774 |
| Loan and lease loss provision to assets | 0.1536% | 4,102 |
| Net operating income to assets | 1.4132% | 1,041 |
| Return on assets (ROA) | 1.4132% | 1,078 |
| Pretax return on assets | 1.4132% | 1,689 |
| Return on Equity (ROE) | 8.7425% | 2,591 |
| Retained earnings to average equity (ytd only) | 8.7425% | 1,476 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8696% | 5,850 |
| Assets per employee ($millions) | 3.6658% | 4,620 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1277% | 2,124 |
| Loan loss allowance to noncurrent loans | 747.6190% | 473 |
| Noncurrent assets plus other real estate owned to assets | 0.2951% | 6,458 |
| Noncurrent loans to loans | 0.2846% | 6,417 |
| Net loans and leases to total assets | 35.8199% | 7,012 |
| Net loans and leases to deposits | 42.7097% | 7,002 |
| Net loans and leases to core deposits | 43.7631% | 7,044 |
| Total domestic deposits to total assets | 83.8682% | 4,542 |
| Equity capital to assets | 15.8863% | 596 |
| Core capital (leverage) ratio | 15.8964% | 519 |
| Tier 1 risk-based capital ratio | 28.9929% | 573 |
| Total risk-based capital ratio | 30.2453% | 558 |
| Memoranda: | ||
| Average total assets | $39,060,500 | 6,866 |
| Average earning assets | $33,936,500 | 6,922 |
| Average equity | $6,314,000 | 6,150 |
| Average total loans | $14,961,000 | 7,095 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9632% | 4,732 |
| Cost of funding earning assets | 1.0118% | 5,633 |
| Net interest margin | 3.9514% | 3,256 |
| Noninterest income to average assets | 0.6410% | 3,203 |
| Noninterest expense to average assets | 3.1310% | 3,343 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.9012% | 2,378 |
| Return on assets (ROA) | 0.9149% | 2,460 |
| Pretax return on assets | 0.9149% | 3,224 |
| Return on Equity (ROE) | 5.3630% | 3,922 |
| Retained earnings to average equity (ytd only) | 5.3630% | 2,208 |
| Net charge-offs to loans | 1.5198% | 1,444 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | 1.4242% | 4,691 |
| Efficiency ratio | 77.6495% | 2,769 |
| Assets per employee ($millions) | 3.4361% | 5,094 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9718% | 2,377 |
| Loan loss allowance to noncurrent loans | 711.9048% | 478 |
| Noncurrent assets plus other real estate owned to assets | 0.3254% | 6,436 |
| Noncurrent loans to loans | 0.2770% | 6,507 |
| Net loans and leases to total assets | 39.3285% | 7,004 |
| Net loans and leases to deposits | 47.2520% | 6,985 |
| Net loans and leases to core deposits | 48.5055% | 7,050 |
| Total domestic deposits to total assets | 83.2315% | 4,696 |
| Equity capital to assets | 16.4616% | 525 |
| Core capital (leverage) ratio | 15.7630% | 538 |
| Tier 1 risk-based capital ratio | 29.1657% | 538 |
| Total risk-based capital ratio | 30.4203% | 527 |
| Memoranda: | ||
| Average total assets | $36,506,000 | 6,991 |
| Average earning assets | $31,330,400 | 7,044 |
| Average equity | $6,227,800 | 6,299 |
| Average total loans | $15,199,400 | 7,155 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0367% | 4,641 |
| Cost of funding earning assets | 1.0409% | 5,737 |
| Net interest margin | 3.9959% | 3,120 |
| Noninterest income to average assets | 0.6522% | 3,111 |
| Noninterest expense to average assets | 2.9368% | 3,955 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.1386% | 1,773 |
| Return on assets (ROA) | 1.1571% | 1,809 |
| Pretax return on assets | 1.1571% | 2,649 |
| Return on Equity (ROE) | 6.7209% | 3,471 |
| Retained earnings to average equity (ytd only) | 6.7209% | 1,981 |
| Net charge-offs to loans | 0.8943% | 2,210 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 3.0293% | 3,618 |
| Efficiency ratio | 72.0615% | 3,682 |
| Assets per employee ($millions) | 3.4293% | 5,136 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8723% | 933 |
| Loan loss allowance to noncurrent loans | 162.7376% | 1,745 |
| Noncurrent assets plus other real estate owned to assets | 0.7264% | 5,659 |
| Noncurrent loans to loans | 1.7650% | 4,000 |
| Net loans and leases to total assets | 38.3675% | 7,169 |
| Net loans and leases to deposits | 46.7097% | 7,143 |
| Net loans and leases to core deposits | 47.9651% | 7,205 |
| Total domestic deposits to total assets | 82.1404% | 4,939 |
| Equity capital to assets | 17.4779% | 468 |
| Core capital (leverage) ratio | 16.2018% | 529 |
| Tier 1 risk-based capital ratio | 30.0539% | 507 |
| Total risk-based capital ratio | 31.3161% | 498 |
| Memoranda: | ||
| Average total assets | $36,183,250 | 7,087 |
| Average earning assets | $30,998,000 | 7,137 |
| Average equity | $6,229,250 | 6,388 |
| Average total loans | $15,208,250 | 7,246 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2208% | 3,847 |
| Cost of funding earning assets | 1.0874% | 5,747 |
| Net interest margin | 4.1334% | 2,407 |
| Noninterest income to average assets | 0.7513% | 2,382 |
| Noninterest expense to average assets | 3.0109% | 3,672 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.2784% | 1,364 |
| Return on assets (ROA) | 1.2784% | 1,420 |
| Pretax return on assets | 1.2784% | 2,159 |
| Return on Equity (ROE) | 7.4656% | 3,124 |
| Retained earnings to average equity (ytd only) | 7.4656% | 1,648 |
| Net charge-offs to loans | 1.3324% | 1,422 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 2.2353% | 3,888 |
| Efficiency ratio | 70.1961% | 4,155 |
| Assets per employee ($millions) | 3.3205% | 5,385 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1473% | 738 |
| Loan loss allowance to noncurrent loans | 428.0000% | 727 |
| Noncurrent assets plus other real estate owned to assets | 0.3039% | 6,645 |
| Noncurrent loans to loans | 0.7353% | 5,786 |
| Net loans and leases to total assets | 36.0592% | 7,345 |
| Net loans and leases to deposits | 43.8157% | 7,326 |
| Net loans and leases to core deposits | 45.0306% | 7,380 |
| Total domestic deposits to total assets | 82.2975% | 4,868 |
| Equity capital to assets | 17.4643% | 473 |
| Core capital (leverage) ratio | 16.4734% | 502 |
| Tier 1 risk-based capital ratio | 31.7897% | 432 |
| Total risk-based capital ratio | 33.0532% | 423 |
| Memoranda: | ||
| Average total assets | $35,670,330 | 7,154 |
| Average earning assets | $30,532,000 | 7,209 |
| Average equity | $6,108,000 | 6,434 |
| Average total loans | $15,310,670 | 7,298 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2486% | 3,786 |
| Cost of funding earning assets | 1.1016% | 5,902 |
| Net interest margin | 4.1470% | 2,246 |
| Noninterest income to average assets | 0.8512% | 1,807 |
| Noninterest expense to average assets | 2.6786% | 5,009 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.8046% | 489 |
| Return on assets (ROA) | 1.8046% | 539 |
| Pretax return on assets | 1.8046% | 867 |
| Return on Equity (ROE) | 10.6488% | 1,889 |
| Retained earnings to average equity (ytd only) | 10.6488% | 1,000 |
| Net charge-offs to loans | 0.1485% | 4,039 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 26.5000% | 955 |
| Efficiency ratio | 59.7468% | 6,221 |
| Assets per employee ($millions) | 3.2801% | 5,583 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2364% | 674 |
| Loan loss allowance to noncurrent loans | 89.1156% | 3,099 |
| Noncurrent assets plus other real estate owned to assets | 1.6602% | 3,979 |
| Noncurrent loans to loans | 3.6316% | 2,189 |
| Net loans and leases to total assets | 43.4217% | 7,035 |
| Net loans and leases to deposits | 52.3227% | 7,020 |
| Net loans and leases to core deposits | 53.7757% | 7,118 |
| Total domestic deposits to total assets | 82.9883% | 4,633 |
| Equity capital to assets | 16.7678% | 556 |
| Core capital (leverage) ratio | 16.6298% | 488 |
| Tier 1 risk-based capital ratio | 28.1595% | 628 |
| Total risk-based capital ratio | 29.4262% | 613 |
| Memoranda: | ||
| Average total assets | $35,242,500 | 7,263 |
| Average earning assets | $30,865,500 | 7,285 |
| Average equity | $5,972,500 | 6,526 |
| Average total loans | $16,166,500 | 7,346 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5872% | 3,672 |
| Cost of funding earning assets | 1.2998% | 6,308 |
| Net interest margin | 4.2874% | 1,757 |
| Noninterest income to average assets | 0.5608% | 3,936 |
| Noninterest expense to average assets | 3.2991% | 3,009 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 1.1502% | 1,386 |
| Return on assets (ROA) | 1.1531% | 1,403 |
| Pretax return on assets | 1.1531% | 2,084 |
| Return on Equity (ROE) | 6.7522% | 2,889 |
| Retained earnings to average equity (ytd only) | 0.8880% | 4,402 |
| Net charge-offs to loans | 0.2589% | 5,000 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | 9.3488% | 1,814 |
| Efficiency ratio | 74.1479% | 3,866 |
| Assets per employee ($millions) | 3.1276% | 5,922 |
| Cash dividends to net income (ytd only)* | 86.8486% | 945 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2834% | 614 |
| Loan loss allowance to noncurrent loans | 74.8588% | 3,666 |
| Noncurrent assets plus other real estate owned to assets | 2.0579% | 3,321 |
| Noncurrent loans to loans | 4.3861% | 1,633 |
| Net loans and leases to total assets | 45.3784% | 7,029 |
| Net loans and leases to deposits | 54.8193% | 6,996 |
| Net loans and leases to core deposits | 68.0588% | 6,878 |
| Total domestic deposits to total assets | 82.7782% | 4,626 |
| Equity capital to assets | 17.1346% | 537 |
| Core capital (leverage) ratio | 16.3489% | 569 |
| Tier 1 risk-based capital ratio | 29.0482% | 574 |
| Total risk-based capital ratio | 30.3149% | 560 |
| Memoranda: | ||
| Average total assets | $34,949,200 | 7,283 |
| Average earning assets | $31,697,400 | 7,280 |
| Average equity | $5,968,400 | 6,614 |
| Average total loans | $16,608,400 | 7,378 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6559% | 3,540 |
| Cost of funding earning assets | 1.3286% | 6,471 |
| Net interest margin | 4.3273% | 1,654 |
| Noninterest income to average assets | 0.5776% | 3,869 |
| Noninterest expense to average assets | 3.1199% | 3,582 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.4061% | 1,011 |
| Return on assets (ROA) | 1.4098% | 1,070 |
| Pretax return on assets | 1.4098% | 1,670 |
| Return on Equity (ROE) | 8.2624% | 2,532 |
| Retained earnings to average equity (ytd only) | 8.2624% | 1,057 |
| Net charge-offs to loans | 0.3428% | 3,923 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 8.6049% | 2,218 |
| Efficiency ratio | 68.9337% | 4,802 |
| Assets per employee ($millions) | 3.1604% | 5,754 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4460% | 441 |
| Loan loss allowance to noncurrent loans | 88.9262% | 3,090 |
| Noncurrent assets plus other real estate owned to assets | 1.7144% | 3,803 |
| Noncurrent loans to loans | 3.8752% | 1,910 |
| Net loans and leases to total assets | 42.7166% | 7,325 |
| Net loans and leases to deposits | 52.2501% | 7,292 |
| Net loans and leases to core deposits | 64.8472% | 7,209 |
| Total domestic deposits to total assets | 81.7541% | 4,785 |
| Equity capital to assets | 17.9467% | 519 |
| Core capital (leverage) ratio | 17.1430% | 534 |
| Tier 1 risk-based capital ratio | 31.3648% | 500 |
| Total risk-based capital ratio | 32.6344% | 487 |
| Memoranda: | ||
| Average total assets | $35,085,500 | 7,333 |
| Average earning assets | $32,013,000 | 7,326 |
| Average equity | $5,986,750 | 6,668 |
| Average total loans | $16,725,000 | 7,433 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8265% | 2,921 |
| Cost of funding earning assets | 1.3754% | 6,565 |
| Net interest margin | 4.4512% | 1,287 |
| Noninterest income to average assets | 0.5797% | 3,840 |
| Noninterest expense to average assets | 3.1200% | 3,623 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.5060% | 827 |
| Return on assets (ROA) | 1.5117% | 871 |
| Pretax return on assets | 1.5117% | 1,414 |
| Return on Equity (ROE) | 9.0129% | 2,354 |
| Retained earnings to average equity (ytd only) | 9.0129% | 934 |
| Net charge-offs to loans | 0.5008% | 2,828 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 6.1628% | 2,674 |
| Efficiency ratio | 67.4447% | 5,265 |
| Assets per employee ($millions) | 3.2414% | 5,472 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3659% | 418 |
| Loan loss allowance to noncurrent loans | 88.9262% | 3,201 |
| Noncurrent assets plus other real estate owned to assets | 1.6716% | 3,687 |
| Noncurrent loans to loans | 3.7851% | 1,813 |
| Net loans and leases to total assets | 42.6756% | 7,409 |
| Net loans and leases to deposits | 51.5342% | 7,406 |
| Net loans and leases to core deposits | 63.9381% | 7,302 |
| Total domestic deposits to total assets | 82.8103% | 4,326 |
| Equity capital to assets | 16.8083% | 691 |
| Core capital (leverage) ratio | 16.5539% | 669 |
| Tier 1 risk-based capital ratio | 30.0797% | 603 |
| Total risk-based capital ratio | 31.3493% | 583 |
| Memoranda: | ||
| Average total assets | $35,192,670 | 7,397 |
| Average earning assets | $31,991,670 | 7,398 |
| Average equity | $5,902,670 | 6,757 |
| Average total loans | $17,173,330 | 7,476 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0286% | 2,243 |
| Cost of funding earning assets | 1.3787% | 6,788 |
| Net interest margin | 4.6499% | 867 |
| Noninterest income to average assets | 0.5721% | 3,740 |
| Noninterest expense to average assets | 3.0319% | 3,621 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.7848% | 546 |
| Return on assets (ROA) | 1.7963% | 585 |
| Pretax return on assets | 1.7963% | 979 |
| Return on Equity (ROE) | 10.7213% | 2,060 |
| Retained earnings to average equity (ytd only) | 10.7213% | 1,029 |
| Net charge-offs to loans | -1.5654% | 8,174 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9454% | 5,879 |
| Assets per employee ($millions) | 3.2535% | 5,447 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6093% | 295 |
| Loan loss allowance to noncurrent loans | 104.8940% | 2,922 |
| Noncurrent assets plus other real estate owned to assets | 1.7129% | 3,352 |
| Noncurrent loans to loans | 3.4409% | 1,856 |
| Net loans and leases to total assets | 47.9826% | 7,023 |
| Net loans and leases to deposits | 57.6745% | 7,056 |
| Net loans and leases to core deposits | 71.5262% | 6,931 |
| Total domestic deposits to total assets | 83.1955% | 4,052 |
| Equity capital to assets | 16.5530% | 785 |
| Core capital (leverage) ratio | 16.5185% | 713 |
| Tier 1 risk-based capital ratio | 26.3399% | 863 |
| Total risk-based capital ratio | 27.6084% | 844 |
| Memoranda: | ||
| Average total assets | $34,961,500 | 7,449 |
| Average earning assets | $31,914,500 | 7,444 |
| Average equity | $5,857,500 | 6,826 |
| Average total loans | $17,887,000 | 7,490 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9386% | 5,859 |
| Cost of funding earning assets | 2.1232% | 5,957 |
| Net interest margin | 3.8154% | 3,954 |
| Noninterest income to average assets | 0.7774% | 2,633 |
| Noninterest expense to average assets | 3.0539% | 3,883 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.3104% | 1,457 |
| Return on assets (ROA) | 0.3998% | 4,964 |
| Pretax return on assets | 0.3998% | 5,260 |
| Return on Equity (ROE) | 2.5252% | 5,409 |
| Retained earnings to average equity (ytd only) | -1.8939% | 5,839 |
| Net charge-offs to loans | -0.2157% | 8,173 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9746% | 4,357 |
| Assets per employee ($millions) | 3.1032% | 5,759 |
| Cash dividends to net income (ytd only)* | 175.0000% | 374 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1906% | 372 |
| Loan loss allowance to noncurrent loans | 93.1707% | 3,656 |
| Noncurrent assets plus other real estate owned to assets | 1.8017% | 2,727 |
| Noncurrent loans to loans | 3.4245% | 1,499 |
| Net loans and leases to total assets | 50.9331% | 6,940 |
| Net loans and leases to deposits | 61.5194% | 6,988 |
| Net loans and leases to core deposits | 74.7046% | 6,925 |
| Total domestic deposits to total assets | 82.7919% | 3,859 |
| Equity capital to assets | 16.9650% | 786 |
| Core capital (leverage) ratio | 16.1841% | 797 |
| Tier 1 risk-based capital ratio | 26.6714% | 848 |
| Total risk-based capital ratio | 27.9397% | 830 |
| Memoranda: | ||
| Average total assets | $36,019,000 | 7,381 |
| Average earning assets | $33,863,200 | 7,328 |
| Average equity | $5,702,600 | 6,914 |
| Average total loans | $16,690,400 | 7,538 |