Home > First National Bank of South Padre Island > Performance and Condition Ratios
First National Bank of South Padre Island, 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 | 5.5255% | 2,044 |
| Cost of funding earning assets | 0.5650% | 4,265 |
| Net interest margin | 4.9605% | 319 |
| Noninterest income to average assets | 0.1200% | 4,037 |
| Noninterest expense to average assets | 2.5801% | 2,069 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | 2.3201% | 278 |
| Return on assets (ROA) | 2.3201% | 280 |
| Pretax return on assets | 2.3201% | 412 |
| Return on Equity (ROE) | 19.2100% | 512 |
| Retained earnings to average equity (ytd only) | 19.2123% | 185 |
| 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 | 52.6531% | 3,704 |
| Assets per employee ($millions) | 5.9067% | 3,005 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7471% | 590 |
| Loan loss allowance to noncurrent loans | 100.0000% | 2,929 |
| Noncurrent assets plus other real estate owned to assets | 0.7014% | 1,074 |
| Noncurrent loans to loans | 1.7471% | 522 |
| Net loans and leases to total assets | 39.4400% | 3,997 |
| Net loans and leases to deposits | 44.9352% | 4,021 |
| Net loans and leases to core deposits | 47.2000% | 4,039 |
| Total domestic deposits to total assets | 87.7800% | 1,625 |
| Equity capital to assets | 12.0722% | 1,199 |
| Core capital (leverage) ratio | 12.5437% | 1,257 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $79,997,000 | 3,946 |
| Average earning assets | $77,169,500 | 3,905 |
| Average equity | $9,660,500 | 3,814 |
| Average total loans | $32,676,000 | 4,053 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3373% | 2,460 |
| Cost of funding earning assets | 0.5185% | 4,305 |
| Net interest margin | 4.8188% | 426 |
| Noninterest income to average assets | 0.1300% | 4,080 |
| Noninterest expense to average assets | 2.5119% | 2,271 |
| Loan and lease loss provision to assets | 0.0000% | 3,171 |
| Net operating income to assets | 2.2414% | 287 |
| Return on assets (ROA) | 2.2414% | 289 |
| Pretax return on assets | 2.2414% | 417 |
| Return on Equity (ROE) | 19.9300% | 407 |
| Retained earnings to average equity (ytd only) | 10.0844% | 573 |
| Net charge-offs to loans | -0.0033% | 3,843 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 52.8455% | 3,809 |
| Assets per employee ($millions) | 5.5214% | 3,286 |
| Cash dividends to net income (ytd only)* | 49.3882% | 1,668 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8038% | 528 |
| Loan loss allowance to noncurrent loans | 96.5058% | 3,007 |
| Noncurrent assets plus other real estate owned to assets | 0.7775% | 940 |
| Noncurrent loans to loans | 1.8691% | 445 |
| Net loans and leases to total assets | 40.8500% | 3,981 |
| Net loans and leases to deposits | 46.5316% | 4,014 |
| Net loans and leases to core deposits | 49.2229% | 4,032 |
| Total domestic deposits to total assets | 87.7800% | 1,598 |
| Equity capital to assets | 12.0802% | 1,155 |
| Core capital (leverage) ratio | 12.2898% | 1,327 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $80,217,600 | 3,949 |
| Average earning assets | $76,948,600 | 3,905 |
| Average equity | $9,023,800 | 3,863 |
| Average total loans | $30,302,200 | 4,092 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2482% | 2,562 |
| Cost of funding earning assets | 0.4922% | 4,344 |
| Net interest margin | 4.7559% | 459 |
| Noninterest income to average assets | 0.1400% | 4,042 |
| Noninterest expense to average assets | 2.4789% | 2,317 |
| Loan and lease loss provision to assets | 0.0000% | 3,009 |
| Net operating income to assets | 2.2269% | 313 |
| Return on assets (ROA) | 2.2269% | 317 |
| Pretax return on assets | 2.2269% | 472 |
| Return on Equity (ROE) | 20.1500% | 422 |
| Retained earnings to average equity (ytd only) | 14.4729% | 263 |
| Net charge-offs to loans | -0.0045% | 3,836 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 52.6776% | 3,826 |
| Assets per employee ($millions) | 5.6478% | 3,159 |
| Cash dividends to net income (ytd only)* | 28.1805% | 2,256 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9275% | 449 |
| Loan loss allowance to noncurrent loans | 94.4625% | 3,079 |
| Noncurrent assets plus other real estate owned to assets | 0.7765% | 907 |
| Noncurrent loans to loans | 2.0405% | 377 |
| Net loans and leases to total assets | 37.3200% | 4,105 |
| Net loans and leases to deposits | 42.6256% | 4,139 |
| Net loans and leases to core deposits | 44.8434% | 4,149 |
| Total domestic deposits to total assets | 87.5600% | 1,398 |
| Equity capital to assets | 12.2399% | 1,194 |
| Core capital (leverage) ratio | 12.1613% | 1,410 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $80,947,000 | 3,957 |
| Average earning assets | $77,739,500 | 3,915 |
| Average equity | $8,945,250 | 3,886 |
| Average total loans | $29,839,250 | 4,117 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1883% | 2,578 |
| Cost of funding earning assets | 0.4652% | 4,361 |
| Net interest margin | 4.7231% | 468 |
| Noninterest income to average assets | 0.1500% | 3,984 |
| Noninterest expense to average assets | 2.4469% | 2,389 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 2.2606% | 311 |
| Return on assets (ROA) | 2.2606% | 308 |
| Pretax return on assets | 2.2606% | 442 |
| Return on Equity (ROE) | 21.1900% | 391 |
| Retained earnings to average equity (ytd only) | 12.4354% | 499 |
| Net charge-offs to loans | -0.0067% | 3,886 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 51.9792% | 3,897 |
| Assets per employee ($millions) | 6.0155% | 2,791 |
| Cash dividends to net income (ytd only)* | 41.3232% | 1,766 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9156% | 460 |
| Loan loss allowance to noncurrent loans | 92.2099% | 3,144 |
| Noncurrent assets plus other real estate owned to assets | 0.8043% | 800 |
| Noncurrent loans to loans | 2.0775% | 357 |
| Net loans and leases to total assets | 37.9700% | 4,096 |
| Net loans and leases to deposits | 42.9781% | 4,138 |
| Net loans and leases to core deposits | 44.9907% | 4,147 |
| Total domestic deposits to total assets | 88.3600% | 1,205 |
| Equity capital to assets | 11.4626% | 1,361 |
| Core capital (leverage) ratio | 11.1664% | 1,914 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $81,573,000 | 3,966 |
| Average earning assets | $78,676,333 | 3,915 |
| Average equity | $8,701,000 | 3,896 |
| Average total loans | $29,755,333 | 4,135 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6968% | 3,329 |
| Cost of funding earning assets | 0.4544% | 4,380 |
| Net interest margin | 4.2424% | 812 |
| Noninterest income to average assets | 0.2000% | 3,639 |
| Noninterest expense to average assets | 2.2580% | 2,913 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 2.0659% | 407 |
| Return on assets (ROA) | 2.0659% | 414 |
| Pretax return on assets | 2.0659% | 584 |
| Return on Equity (ROE) | 20.0700% | 431 |
| Retained earnings to average equity (ytd only) | 20.0712% | 183 |
| Net charge-offs to loans | -0.0136% | 4,012 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 52.2222% | 3,888 |
| Assets per employee ($millions) | 7.2418% | 1,929 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0115% | 382 |
| Loan loss allowance to noncurrent loans | 90.2022% | 3,238 |
| Noncurrent assets plus other real estate owned to assets | 0.7399% | 822 |
| Noncurrent loans to loans | 2.2300% | 276 |
| Net loans and leases to total assets | 32.5100% | 4,228 |
| Net loans and leases to deposits | 36.2194% | 4,256 |
| Net loans and leases to core deposits | 37.0841% | 4,314 |
| Total domestic deposits to total assets | 89.7700% | 870 |
| Equity capital to assets | 10.1033% | 1,949 |
| Core capital (leverage) ratio | 11.0964% | 1,904 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $83,258,500 | 3,976 |
| Average earning assets | $80,991,500 | 3,916 |
| Average equity | $8,569,500 | 3,931 |
| Average total loans | $29,494,500 | 4,159 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6209% | 2,852 |
| Cost of funding earning assets | 0.2330% | 4,430 |
| Net interest margin | 4.3879% | 713 |
| Noninterest income to average assets | 0.1100% | 4,240 |
| Noninterest expense to average assets | 2.2311% | 3,039 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 2.1277% | 379 |
| Return on assets (ROA) | 2.1277% | 372 |
| Pretax return on assets | 2.1277% | 543 |
| Return on Equity (ROE) | 23.2800% | 387 |
| Retained earnings to average equity (ytd only) | 13.5031% | 448 |
| Net charge-offs to loans | -0.0134% | 4,047 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 51.1866% | 3,892 |
| Assets per employee ($millions) | 6.6346% | 2,313 |
| Cash dividends to net income (ytd only)* | 41.9890% | 1,997 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9201% | 437 |
| Loan loss allowance to noncurrent loans | 88.2622% | 3,321 |
| Noncurrent assets plus other real estate owned to assets | 0.8240% | 616 |
| Noncurrent loans to loans | 2.1754% | 246 |
| Net loans and leases to total assets | 37.1500% | 4,122 |
| Net loans and leases to deposits | 41.5533% | 4,159 |
| Net loans and leases to core deposits | 42.4266% | 4,238 |
| Total domestic deposits to total assets | 89.4000% | 945 |
| Equity capital to assets | 10.4993% | 1,722 |
| Core capital (leverage) ratio | 11.5478% | 1,627 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $85,070,200 | 3,969 |
| Average earning assets | $82,408,600 | 3,902 |
| Average equity | $7,776,000 | 3,958 |
| Average total loans | $29,805,000 | 4,139 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5502% | 2,797 |
| Cost of funding earning assets | 0.2171% | 4,431 |
| Net interest margin | 4.3331% | 767 |
| Noninterest income to average assets | 0.1100% | 4,262 |
| Noninterest expense to average assets | 2.1951% | 3,088 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 2.0979% | 436 |
| Return on assets (ROA) | 2.0979% | 429 |
| Pretax return on assets | 2.0979% | 659 |
| Return on Equity (ROE) | 23.7600% | 449 |
| Retained earnings to average equity (ytd only) | 17.1244% | 383 |
| Net charge-offs to loans | -0.0179% | 4,101 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 51.1319% | 3,822 |
| Assets per employee ($millions) | 6.8826% | 2,048 |
| Cash dividends to net income (ytd only)* | 27.9412% | 2,145 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8851% | 486 |
| Loan loss allowance to noncurrent loans | 86.2891% | 3,335 |
| Noncurrent assets plus other real estate owned to assets | 0.8124% | 684 |
| Noncurrent loans to loans | 2.1846% | 252 |
| Net loans and leases to total assets | 36.4900% | 4,166 |
| Net loans and leases to deposits | 40.5462% | 4,195 |
| Net loans and leases to core deposits | 41.3587% | 4,231 |
| Total domestic deposits to total assets | 89.9900% | 939 |
| Equity capital to assets | 9.7916% | 1,941 |
| Core capital (leverage) ratio | 10.3736% | 2,508 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $86,434,000 | 3,970 |
| Average earning assets | $83,510,250 | 3,908 |
| Average equity | $7,630,250 | 3,979 |
| Average total loans | $29,717,500 | 4,158 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3426% | 3,015 |
| Cost of funding earning assets | 0.2018% | 4,428 |
| Net interest margin | 4.1409% | 1,017 |
| Noninterest income to average assets | 0.1100% | 4,276 |
| Noninterest expense to average assets | 2.1501% | 3,216 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.9837% | 479 |
| Return on assets (ROA) | 1.9837% | 476 |
| Pretax return on assets | 1.9837% | 765 |
| Return on Equity (ROE) | 23.2700% | 472 |
| Retained earnings to average equity (ytd only) | 13.1051% | 793 |
| Net charge-offs to loans | -0.0272% | 4,211 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 52.0132% | 3,770 |
| Assets per employee ($millions) | 6.7843% | 2,080 |
| Cash dividends to net income (ytd only)* | 43.6782% | 1,549 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8930% | 504 |
| Loan loss allowance to noncurrent loans | 84.8974% | 3,380 |
| Noncurrent assets plus other real estate owned to assets | 0.8377% | 603 |
| Noncurrent loans to loans | 2.2298% | 226 |
| Net loans and leases to total assets | 36.8600% | 4,149 |
| Net loans and leases to deposits | 40.7903% | 4,196 |
| Net loans and leases to core deposits | 41.6128% | 4,225 |
| Total domestic deposits to total assets | 90.3600% | 824 |
| Equity capital to assets | 9.3366% | 2,281 |
| Core capital (leverage) ratio | 9.7754% | 2,977 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $87,715,000 | 3,966 |
| Average earning assets | $85,247,667 | 3,911 |
| Average equity | $7,478,000 | 4,018 |
| Average total loans | $29,385,000 | 4,174 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2323% | 2,973 |
| Cost of funding earning assets | 0.1811% | 4,408 |
| Net interest margin | 4.0512% | 1,174 |
| Noninterest income to average assets | 0.1300% | 4,223 |
| Noninterest expense to average assets | 2.0381% | 3,533 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 2.0293% | 467 |
| Return on assets (ROA) | 2.0293% | 459 |
| Pretax return on assets | 2.0293% | 735 |
| Return on Equity (ROE) | 24.8600% | 412 |
| Retained earnings to average equity (ytd only) | 24.8635% | 182 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 50.1082% | 3,924 |
| Assets per employee ($millions) | 7.5951% | 1,564 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9236% | 506 |
| Loan loss allowance to noncurrent loans | 85.0812% | 3,446 |
| Noncurrent assets plus other real estate owned to assets | 0.7428% | 653 |
| Noncurrent loans to loans | 2.2609% | 220 |
| Net loans and leases to total assets | 32.2200% | 4,318 |
| Net loans and leases to deposits | 35.2968% | 4,346 |
| Net loans and leases to core deposits | 35.9224% | 4,369 |
| Total domestic deposits to total assets | 91.2900% | 707 |
| Equity capital to assets | 8.4430% | 2,940 |
| Core capital (leverage) ratio | 9.0229% | 3,716 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.7061% | 403 |
| Memoranda: | ||
| Average total assets | $90,867,000 | 3,983 |
| Average earning assets | $88,368,000 | 3,936 |
| Average equity | $7,416,500 | 4,075 |
| Average total loans | $28,784,500 | 4,244 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8067% | 4,318 |
| Cost of funding earning assets | 0.0778% | 4,481 |
| Net interest margin | 2.7289% | 4,014 |
| Noninterest income to average assets | 0.0900% | 4,461 |
| Noninterest expense to average assets | 1.9344% | 3,760 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.8141% | 3,277 |
| Return on assets (ROA) | 0.8141% | 3,210 |
| Pretax return on assets | 0.8141% | 3,590 |
| Return on Equity (ROE) | 10.7900% | 2,548 |
| Retained earnings to average equity (ytd only) | 10.7868% | 935 |
| Net charge-offs to loans | -0.0435% | 4,313 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 70.3792% | 1,633 |
| Assets per employee ($millions) | 7.5494% | 1,587 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0814% | 376 |
| Loan loss allowance to noncurrent loans | 1,916.6667% | 618 |
| Noncurrent assets plus other real estate owned to assets | 0.0331% | 3,478 |
| Noncurrent loans to loans | 0.1086% | 2,989 |
| Net loans and leases to total assets | 29.8600% | 4,392 |
| Net loans and leases to deposits | 32.4796% | 4,424 |
| Net loans and leases to core deposits | 32.8923% | 4,438 |
| Total domestic deposits to total assets | 91.9300% | 657 |
| Equity capital to assets | 7.8792% | 3,135 |
| Core capital (leverage) ratio | 8.3517% | 4,233 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.4164% | 397 |
| Memoranda: | ||
| Average total assets | $91,139,800 | 4,002 |
| Average earning assets | $88,682,000 | 3,941 |
| Average equity | $6,878,800 | 4,230 |
| Average total loans | $27,598,000 | 4,274 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5038% | 4,439 |
| Cost of funding earning assets | 0.0660% | 4,497 |
| Net interest margin | 2.4377% | 4,278 |
| Noninterest income to average assets | 0.0900% | 4,493 |
| Noninterest expense to average assets | 1.8785% | 3,800 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.5858% | 3,867 |
| Return on assets (ROA) | 0.5858% | 3,829 |
| Pretax return on assets | 0.5858% | 4,014 |
| Return on Equity (ROE) | 7.8500% | 3,371 |
| Retained earnings to average equity (ytd only) | 7.8464% | 2,059 |
| Net charge-offs to loans | -0.0580% | 4,343 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 76.2300% | 1,057 |
| Assets per employee ($millions) | 7.5642% | 1,574 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0536% | 460 |
| Loan loss allowance to noncurrent loans | 1,854.8387% | 606 |
| Noncurrent assets plus other real estate owned to assets | 0.0342% | 3,572 |
| Noncurrent loans to loans | 0.1107% | 3,099 |
| Net loans and leases to total assets | 30.2100% | 4,421 |
| Net loans and leases to deposits | 32.7123% | 4,447 |
| Net loans and leases to core deposits | 33.1252% | 4,465 |
| Total domestic deposits to total assets | 92.3600% | 762 |
| Equity capital to assets | 7.4970% | 3,220 |
| Core capital (leverage) ratio | 7.8165% | 4,480 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.1848% | 481 |
| Memoranda: | ||
| Average total assets | $91,276,500 | 4,027 |
| Average earning assets | $88,824,500 | 3,970 |
| Average equity | $6,814,000 | 4,284 |
| Average total loans | $27,591,250 | 4,306 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2431% | 4,548 |
| Cost of funding earning assets | 0.0673% | 4,476 |
| Net interest margin | 2.1758% | 4,470 |
| Noninterest income to average assets | 0.1072% | 4,454 |
| Noninterest expense to average assets | 1.8284% | 3,889 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.4002% | 4,105 |
| Return on assets (ROA) | 0.4002% | 4,057 |
| Pretax return on assets | 0.4002% | 4,157 |
| Return on Equity (ROE) | 5.3689% | 3,735 |
| Retained earnings to average equity (ytd only) | 5.3689% | 2,565 |
| Net charge-offs to loans | -0.0656% | 4,328 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.0412% | 795 |
| Assets per employee ($millions) | 6.6806% | 2,186 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0193% | 528 |
| Loan loss allowance to noncurrent loans | 1,787.5000% | 607 |
| Noncurrent assets plus other real estate owned to assets | 0.0342% | 3,641 |
| Noncurrent loans to loans | 0.1130% | 3,178 |
| Net loans and leases to total assets | 29.6756% | 4,470 |
| Net loans and leases to deposits | 32.0190% | 4,502 |
| Net loans and leases to core deposits | 32.4093% | 4,524 |
| Total domestic deposits to total assets | 92.6813% | 591 |
| Equity capital to assets | 7.2117% | 3,653 |
| Core capital (leverage) ratio | 7.5455% | 4,551 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3078% | 1,118 |
| Memoranda: | ||
| Average total assets | $91,445,333 | 4,069 |
| Average earning assets | $89,161,000 | 4,019 |
| Average equity | $6,817,000 | 4,336 |
| Average total loans | $27,455,000 | 4,367 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2178% | 4,521 |
| Cost of funding earning assets | 0.0729% | 4,421 |
| Net interest margin | 2.1449% | 4,402 |
| Noninterest income to average assets | 0.1239% | 4,386 |
| Noninterest expense to average assets | 1.8008% | 3,940 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.4071% | 3,938 |
| Return on assets (ROA) | 0.4071% | 3,902 |
| Pretax return on assets | 0.4071% | 4,022 |
| Return on Equity (ROE) | 5.3699% | 3,521 |
| Retained earnings to average equity (ytd only) | 5.3699% | 2,455 |
| Net charge-offs to loans | -0.0592% | 4,314 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.5631% | 1,021 |
| Assets per employee ($millions) | 7.7919% | 1,492 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1102% | 511 |
| Loan loss allowance to noncurrent loans | 255.4054% | 2,298 |
| Noncurrent assets plus other real estate owned to assets | 0.2374% | 2,215 |
| Noncurrent loans to loans | 0.8262% | 1,139 |
| Net loans and leases to total assets | 28.1296% | 4,504 |
| Net loans and leases to deposits | 30.3711% | 4,542 |
| Net loans and leases to core deposits | 30.7414% | 4,566 |
| Total domestic deposits to total assets | 92.6195% | 372 |
| Equity capital to assets | 7.2843% | 4,055 |
| Core capital (leverage) ratio | 7.8930% | 4,371 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.7450% | 345 |
| Memoranda: | ||
| Average total assets | $90,404,000 | 4,097 |
| Average earning assets | $87,834,500 | 4,048 |
| Average equity | $6,853,000 | 4,375 |
| Average total loans | $27,019,000 | 4,390 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3210% | 4,577 |
| Cost of funding earning assets | 0.1277% | 4,168 |
| Net interest margin | 2.1933% | 4,491 |
| Noninterest income to average assets | 0.1097% | 4,565 |
| Noninterest expense to average assets | 2.0000% | 3,675 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.2280% | 4,507 |
| Return on assets (ROA) | 0.2280% | 4,523 |
| Pretax return on assets | 0.2280% | 4,547 |
| Return on Equity (ROE) | 2.6750% | 4,414 |
| Retained earnings to average equity (ytd only) | 2.6750% | 3,771 |
| Net charge-offs to loans | -0.0037% | 3,477 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.7651% | 339 |
| Assets per employee ($millions) | 6.7158% | 2,143 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0722% | 544 |
| Loan loss allowance to noncurrent loans | 124.2826% | 3,181 |
| Noncurrent assets plus other real estate owned to assets | 0.5189% | 1,292 |
| Noncurrent loans to loans | 1.6673% | 513 |
| Net loans and leases to total assets | 30.4748% | 4,492 |
| Net loans and leases to deposits | 33.1110% | 4,555 |
| Net loans and leases to core deposits | 33.5464% | 4,569 |
| Total domestic deposits to total assets | 92.0383% | 165 |
| Equity capital to assets | 7.8976% | 4,417 |
| Core capital (leverage) ratio | 7.6957% | 4,530 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $80,248,000 | 4,217 |
| Average earning assets | $77,510,000 | 4,162 |
| Average equity | $6,841,000 | 4,442 |
| Average total loans | $27,206,600 | 4,428 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4134% | 4,622 |
| Cost of funding earning assets | 0.1430% | 4,170 |
| Net interest margin | 2.2704% | 4,511 |
| Noninterest income to average assets | 0.1189% | 4,587 |
| Noninterest expense to average assets | 2.0590% | 3,488 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.2446% | 4,580 |
| Return on assets (ROA) | 0.2446% | 4,604 |
| Pretax return on assets | 0.2446% | 4,636 |
| Return on Equity (ROE) | 2.8121% | 4,485 |
| Retained earnings to average equity (ytd only) | 2.8121% | 3,961 |
| Net charge-offs to loans | -0.0049% | 3,430 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.3805% | 341 |
| Assets per employee ($millions) | 8.2348% | 1,161 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0426% | 586 |
| Loan loss allowance to noncurrent loans | 122.1258% | 3,174 |
| Noncurrent assets plus other real estate owned to assets | 0.5089% | 1,499 |
| Noncurrent loans to loans | 1.6725% | 604 |
| Net loans and leases to total assets | 29.8069% | 4,596 |
| Net loans and leases to deposits | 32.3067% | 4,667 |
| Net loans and leases to core deposits | 32.7142% | 4,680 |
| Total domestic deposits to total assets | 92.2623% | 84 |
| Equity capital to assets | 7.6096% | 4,675 |
| Core capital (leverage) ratio | 7.7879% | 4,592 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $78,483,750 | 4,289 |
| Average earning assets | $75,521,000 | 4,245 |
| Average equity | $6,827,500 | 4,503 |
| Average total loans | $27,216,000 | 4,490 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6152% | 4,534 |
| Cost of funding earning assets | 0.1629% | 4,103 |
| Net interest margin | 2.4522% | 4,366 |
| Noninterest income to average assets | 0.1263% | 4,570 |
| Noninterest expense to average assets | 2.1733% | 3,176 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.2982% | 4,527 |
| Return on assets (ROA) | 0.2982% | 4,549 |
| Pretax return on assets | 0.2982% | 4,590 |
| Return on Equity (ROE) | 3.2620% | 4,436 |
| Retained earnings to average equity (ytd only) | 3.2620% | 3,757 |
| Net charge-offs to loans | -0.0074% | 3,556 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.9348% | 401 |
| Assets per employee ($millions) | 7.6181% | 1,407 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9856% | 622 |
| Loan loss allowance to noncurrent loans | 119.0275% | 3,156 |
| Noncurrent assets plus other real estate owned to assets | 0.5644% | 1,477 |
| Noncurrent loans to loans | 1.6682% | 643 |
| Net loans and leases to total assets | 33.1639% | 4,557 |
| Net loans and leases to deposits | 36.1645% | 4,630 |
| Net loans and leases to core deposits | 36.6607% | 4,655 |
| Total domestic deposits to total assets | 91.7028% | 190 |
| Equity capital to assets | 8.1886% | 4,439 |
| Core capital (leverage) ratio | 8.9418% | 3,528 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $74,450,667 | 4,366 |
| Average earning assets | $71,200,000 | 4,327 |
| Average equity | $6,805,667 | 4,526 |
| Average total loans | $27,100,333 | 4,526 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5625% | 4,606 |
| Cost of funding earning assets | 0.1809% | 4,073 |
| Net interest margin | 2.3816% | 4,434 |
| Noninterest income to average assets | 0.1490% | 4,455 |
| Noninterest expense to average assets | 2.2242% | 3,031 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.1892% | 4,641 |
| Return on assets (ROA) | 0.1892% | 4,668 |
| Pretax return on assets | 0.1892% | 4,678 |
| Return on Equity (ROE) | 1.9476% | 4,605 |
| Retained earnings to average equity (ytd only) | 1.9476% | 4,018 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.1615% | 327 |
| Assets per employee ($millions) | 6.6108% | 2,087 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1642% | 446 |
| Loan loss allowance to noncurrent loans | 115.6057% | 3,155 |
| Noncurrent assets plus other real estate owned to assets | 0.6697% | 1,404 |
| Noncurrent loans to loans | 1.8721% | 603 |
| Net loans and leases to total assets | 34.9991% | 4,547 |
| Net loans and leases to deposits | 38.6376% | 4,607 |
| Net loans and leases to core deposits | 39.2568% | 4,642 |
| Total domestic deposits to total assets | 90.5829% | 549 |
| Equity capital to assets | 9.3359% | 3,348 |
| Core capital (leverage) ratio | 9.7107% | 2,809 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $69,776,500 | 4,441 |
| Average earning assets | $66,342,000 | 4,407 |
| Average equity | $6,777,500 | 4,546 |
| Average total loans | $26,473,500 | 4,559 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5821% | 3,850 |
| Cost of funding earning assets | 0.3365% | 3,942 |
| Net interest margin | 3.2455% | 3,229 |
| Noninterest income to average assets | 0.2003% | 4,276 |
| Noninterest expense to average assets | 2.6494% | 2,387 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.6468% | 3,605 |
| Return on assets (ROA) | 0.6707% | 3,644 |
| Pretax return on assets | 0.6707% | 3,941 |
| Return on Equity (ROE) | 6.3535% | 3,469 |
| Retained earnings to average equity (ytd only) | 5.2695% | 2,153 |
| Net charge-offs to loans | -0.0883% | 4,784 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.3761% | 861 |
| Assets per employee ($millions) | 5.5695% | 2,771 |
| Cash dividends to net income (ytd only)* | 17.0616% | 3,354 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0867% | 498 |
| Loan loss allowance to noncurrent loans | 115.4004% | 3,139 |
| Noncurrent assets plus other real estate owned to assets | 0.7287% | 1,422 |
| Noncurrent loans to loans | 1.8082% | 687 |
| Net loans and leases to total assets | 39.4575% | 4,460 |
| Net loans and leases to deposits | 43.9297% | 4,530 |
| Net loans and leases to core deposits | 44.7027% | 4,581 |
| Total domestic deposits to total assets | 89.8196% | 632 |
| Equity capital to assets | 10.1236% | 3,006 |
| Core capital (leverage) ratio | 10.0423% | 2,566 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $62,920,600 | 4,472 |
| Average earning assets | $60,021,200 | 4,440 |
| Average equity | $6,642,000 | 4,569 |
| Average total loans | $29,430,400 | 4,528 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8159% | 3,513 |
| Cost of funding earning assets | 0.3676% | 3,960 |
| Net interest margin | 3.4483% | 2,757 |
| Noninterest income to average assets | 0.2174% | 4,186 |
| Noninterest expense to average assets | 2.7530% | 2,109 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.7555% | 3,268 |
| Return on assets (ROA) | 0.7878% | 3,256 |
| Pretax return on assets | 0.7878% | 3,679 |
| Return on Equity (ROE) | 7.3815% | 3,063 |
| Retained earnings to average equity (ytd only) | 5.9294% | 2,130 |
| Net charge-offs to loans | -0.1153% | 4,844 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.4663% | 985 |
| Assets per employee ($millions) | 5.3402% | 2,847 |
| Cash dividends to net income (ytd only)* | 19.6721% | 2,795 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8881% | 600 |
| Loan loss allowance to noncurrent loans | 111.2871% | 3,130 |
| Noncurrent assets plus other real estate owned to assets | 0.7274% | 1,608 |
| Noncurrent loans to loans | 1.6966% | 809 |
| Net loans and leases to total assets | 42.0653% | 4,495 |
| Net loans and leases to deposits | 46.6412% | 4,586 |
| Net loans and leases to core deposits | 47.9146% | 4,627 |
| Total domestic deposits to total assets | 90.1891% | 368 |
| Equity capital to assets | 9.6755% | 3,537 |
| Core capital (leverage) ratio | 9.9780% | 2,743 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $61,942,250 | 4,503 |
| Average earning assets | $59,120,250 | 4,467 |
| Average equity | $6,611,000 | 4,595 |
| Average total loans | $30,054,750 | 4,539 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2160% | 2,706 |
| Cost of funding earning assets | 0.4198% | 3,951 |
| Net interest margin | 3.7961% | 1,846 |
| Noninterest income to average assets | 0.1749% | 4,415 |
| Noninterest expense to average assets | 2.8663% | 1,922 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.9285% | 2,589 |
| Return on assets (ROA) | 0.9790% | 2,529 |
| Pretax return on assets | 0.9790% | 3,087 |
| Return on Equity (ROE) | 8.8508% | 2,419 |
| Retained earnings to average equity (ytd only) | 8.8508% | 1,049 |
| Net charge-offs to loans | -0.0332% | 4,574 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5319% | 1,306 |
| Assets per employee ($millions) | 4.9948% | 3,177 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7553% | 722 |
| Loan loss allowance to noncurrent loans | 100.0000% | 3,214 |
| Noncurrent assets plus other real estate owned to assets | 0.8332% | 1,487 |
| Noncurrent loans to loans | 1.7553% | 810 |
| Net loans and leases to total assets | 46.6327% | 4,331 |
| Net loans and leases to deposits | 52.0848% | 4,447 |
| Net loans and leases to core deposits | 54.1014% | 4,494 |
| Total domestic deposits to total assets | 89.5323% | 557 |
| Equity capital to assets | 10.3553% | 2,883 |
| Core capital (leverage) ratio | 11.0153% | 1,952 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $59,448,667 | 4,552 |
| Average earning assets | $56,689,333 | 4,516 |
| Average equity | $6,575,667 | 4,621 |
| Average total loans | $30,151,333 | 4,560 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2940% | 2,944 |
| Cost of funding earning assets | 0.5026% | 3,934 |
| Net interest margin | 3.7915% | 2,017 |
| Noninterest income to average assets | 0.2187% | 4,241 |
| Noninterest expense to average assets | 2.8568% | 2,250 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.9805% | 2,245 |
| Return on assets (ROA) | 1.0087% | 2,253 |
| Pretax return on assets | 1.0087% | 2,817 |
| Return on Equity (ROE) | 8.7980% | 2,192 |
| Retained earnings to average equity (ytd only) | 8.7980% | 1,027 |
| Net charge-offs to loans | -0.0671% | 4,720 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4485% | 1,755 |
| Assets per employee ($millions) | 4.4573% | 3,326 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8842% | 626 |
| Loan loss allowance to noncurrent loans | 741.0959% | 692 |
| Noncurrent assets plus other real estate owned to assets | 0.1260% | 4,001 |
| Noncurrent loans to loans | 0.2542% | 3,581 |
| Net loans and leases to total assets | 48.6168% | 4,309 |
| Net loans and leases to deposits | 54.9003% | 4,405 |
| Net loans and leases to core deposits | 57.3105% | 4,451 |
| Total domestic deposits to total assets | 88.5547% | 858 |
| Equity capital to assets | 11.3556% | 2,549 |
| Core capital (leverage) ratio | 11.5647% | 2,018 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $56,706,500 | 4,595 |
| Average earning assets | $54,121,500 | 4,570 |
| Average equity | $6,501,500 | 4,665 |
| Average total loans | $29,816,500 | 4,596 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5479% | 2,787 |
| Cost of funding earning assets | 0.4889% | 4,139 |
| Net interest margin | 4.0590% | 1,653 |
| Noninterest income to average assets | 0.1873% | 4,544 |
| Noninterest expense to average assets | 3.0178% | 1,973 |
| Loan and lease loss provision to assets | 0.0088% | 3,833 |
| Net operating income to assets | 1.0118% | 2,810 |
| Return on assets (ROA) | 1.0118% | 2,897 |
| Pretax return on assets | 1.0118% | 3,435 |
| Return on Equity (ROE) | 8.4597% | 2,958 |
| Retained earnings to average equity (ytd only) | -9.9379% | 5,062 |
| Net charge-offs to loans | 0.0161% | 3,139 |
| Credit loss provision to net charge-offs | 100.0000% | 2,460 |
| Earnings coverage of net charge-offs (x) | 116.6000% | 600 |
| Efficiency ratio | 74.7291% | 1,520 |
| Assets per employee ($millions) | 4.2668% | 3,559 |
| Cash dividends to net income (ytd only)* | 217.4740% | 60 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7334% | 743 |
| Loan loss allowance to noncurrent loans | 317.1598% | 1,458 |
| Noncurrent assets plus other real estate owned to assets | 0.3047% | 3,210 |
| Noncurrent loans to loans | 0.5466% | 2,533 |
| Net loans and leases to total assets | 54.7793% | 4,024 |
| Net loans and leases to deposits | 61.9976% | 4,190 |
| Net loans and leases to core deposits | 64.8407% | 4,247 |
| Total domestic deposits to total assets | 88.3573% | 960 |
| Equity capital to assets | 11.5796% | 2,462 |
| Core capital (leverage) ratio | 11.3510% | 2,215 |
| Tier 1 risk-based capital ratio | 23.4644% | 871 |
| Total risk-based capital ratio | 24.7208% | 856 |
| Memoranda: | ||
| Average total assets | $57,127,000 | 4,630 |
| Average earning assets | $54,200,600 | 4,608 |
| Average equity | $6,832,400 | 4,654 |
| Average total loans | $31,098,800 | 4,617 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5238% | 2,983 |
| Cost of funding earning assets | 0.4858% | 4,198 |
| Net interest margin | 4.0380% | 1,807 |
| Noninterest income to average assets | 0.1877% | 4,596 |
| Noninterest expense to average assets | 3.0609% | 1,803 |
| Loan and lease loss provision to assets | 0.0116% | 3,662 |
| Net operating income to assets | 0.9477% | 3,172 |
| Return on assets (ROA) | 0.9477% | 3,248 |
| Pretax return on assets | 0.9477% | 3,744 |
| Return on Equity (ROE) | 7.8636% | 3,366 |
| Retained earnings to average equity (ytd only) | -16.3040% | 5,190 |
| Net charge-offs to loans | 0.0214% | 2,680 |
| Credit loss provision to net charge-offs | 100.0000% | 2,246 |
| Earnings coverage of net charge-offs (x) | 82.7571% | 845 |
| Efficiency ratio | 76.1383% | 1,315 |
| Assets per employee ($millions) | 3.7653% | 4,198 |
| Cash dividends to net income (ytd only)* | 307.3351% | 33 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7244% | 778 |
| Loan loss allowance to noncurrent loans | 301.1236% | 1,514 |
| Noncurrent assets plus other real estate owned to assets | 0.3152% | 3,282 |
| Noncurrent loans to loans | 0.5727% | 2,582 |
| Net loans and leases to total assets | 54.0846% | 4,175 |
| Net loans and leases to deposits | 60.9222% | 4,346 |
| Net loans and leases to core deposits | 63.6383% | 4,391 |
| Total domestic deposits to total assets | 88.7766% | 701 |
| Equity capital to assets | 11.0818% | 3,029 |
| Core capital (leverage) ratio | 10.7177% | 2,922 |
| Tier 1 risk-based capital ratio | 23.0775% | 941 |
| Total risk-based capital ratio | 24.3357% | 921 |
| Memoranda: | ||
| Average total assets | $57,541,750 | 4,696 |
| Average earning assets | $54,613,000 | 4,670 |
| Average equity | $6,934,750 | 4,707 |
| Average total loans | $31,143,250 | 4,679 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3997% | 3,332 |
| Cost of funding earning assets | 0.4608% | 4,281 |
| Net interest margin | 3.9389% | 2,125 |
| Noninterest income to average assets | 0.1900% | 4,618 |
| Noninterest expense to average assets | 3.0641% | 1,823 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.8463% | 3,482 |
| Return on assets (ROA) | 0.8463% | 3,544 |
| Pretax return on assets | 0.8463% | 3,983 |
| Return on Equity (ROE) | 6.8436% | 3,736 |
| Retained earnings to average equity (ytd only) | 5.0838% | 2,725 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.3569% | 1,107 |
| Assets per employee ($millions) | 4.0996% | 3,731 |
| Cash dividends to net income (ytd only)* | 25.7143% | 2,818 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7195% | 784 |
| Loan loss allowance to noncurrent loans | 150.1401% | 2,642 |
| Noncurrent assets plus other real estate owned to assets | 0.6220% | 2,162 |
| Noncurrent loans to loans | 1.1453% | 1,418 |
| Net loans and leases to total assets | 53.3757% | 4,260 |
| Net loans and leases to deposits | 61.2174% | 4,366 |
| Net loans and leases to core deposits | 63.2837% | 4,441 |
| Total domestic deposits to total assets | 87.1905% | 1,505 |
| Equity capital to assets | 12.7032% | 1,739 |
| Core capital (leverage) ratio | 12.5585% | 1,506 |
| Tier 1 risk-based capital ratio | 27.4078% | 595 |
| Total risk-based capital ratio | 28.6670% | 582 |
| Memoranda: | ||
| Average total assets | $57,895,670 | 4,727 |
| Average earning assets | $54,685,670 | 4,703 |
| Average equity | $7,160,000 | 4,704 |
| Average total loans | $31,163,330 | 4,713 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3248% | 3,485 |
| Cost of funding earning assets | 0.4288% | 4,364 |
| Net interest margin | 3.8959% | 2,203 |
| Noninterest income to average assets | 0.1857% | 4,639 |
| Noninterest expense to average assets | 2.9993% | 1,996 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.8737% | 3,335 |
| Return on assets (ROA) | 0.8737% | 3,383 |
| Pretax return on assets | 0.8737% | 3,846 |
| Return on Equity (ROE) | 7.1605% | 3,609 |
| Retained earnings to average equity (ytd only) | 7.1605% | 1,977 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.4423% | 1,334 |
| Assets per employee ($millions) | 4.1959% | 3,634 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7202% | 821 |
| Loan loss allowance to noncurrent loans | 181.0811% | 2,352 |
| Noncurrent assets plus other real estate owned to assets | 0.5039% | 2,605 |
| Noncurrent loans to loans | 0.9500% | 1,759 |
| Net loans and leases to total assets | 52.1305% | 4,328 |
| Net loans and leases to deposits | 59.4391% | 4,444 |
| Net loans and leases to core deposits | 62.0049% | 4,478 |
| Total domestic deposits to total assets | 87.7041% | 1,475 |
| Equity capital to assets | 12.2193% | 1,899 |
| Core capital (leverage) ratio | 12.4944% | 1,523 |
| Tier 1 risk-based capital ratio | 26.8927% | 626 |
| Total risk-based capital ratio | 28.1490% | 614 |
| Memoranda: | ||
| Average total assets | $58,146,000 | 4,772 |
| Average earning assets | $55,032,000 | 4,749 |
| Average equity | $7,094,500 | 4,738 |
| Average total loans | $31,159,500 | 4,768 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3418% | 2,955 |
| Cost of funding earning assets | 0.2724% | 4,697 |
| Net interest margin | 4.0694% | 1,775 |
| Noninterest income to average assets | 0.2039% | 4,695 |
| Noninterest expense to average assets | 2.9465% | 2,198 |
| Loan and lease loss provision to assets | 0.0436% | 3,311 |
| Net operating income to assets | 1.0664% | 2,731 |
| Return on assets (ROA) | 1.0664% | 2,716 |
| Pretax return on assets | 1.0664% | 3,386 |
| Return on Equity (ROE) | 9.0271% | 2,982 |
| Retained earnings to average equity (ytd only) | 6.8588% | 1,732 |
| Net charge-offs to loans | 0.0396% | 2,612 |
| Credit loss provision to net charge-offs | 192.3077% | 1,489 |
| Earnings coverage of net charge-offs (x) | 49.0000% | 1,152 |
| Efficiency ratio | 72.6375% | 1,827 |
| Assets per employee ($millions) | 3.8366% | 4,120 |
| Cash dividends to net income (ytd only)* | 24.0196% | 3,318 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7202% | 800 |
| Loan loss allowance to noncurrent loans | 525.4902% | 1,049 |
| Noncurrent assets plus other real estate owned to assets | 0.1772% | 3,919 |
| Noncurrent loans to loans | 0.3273% | 3,381 |
| Net loans and leases to total assets | 53.2138% | 4,338 |
| Net loans and leases to deposits | 60.6224% | 4,448 |
| Net loans and leases to core deposits | 63.2897% | 4,485 |
| Total domestic deposits to total assets | 87.7791% | 1,401 |
| Equity capital to assets | 12.1827% | 1,771 |
| Core capital (leverage) ratio | 12.0935% | 1,675 |
| Tier 1 risk-based capital ratio | 26.9715% | 616 |
| Total risk-based capital ratio | 28.2312% | 604 |
| Memoranda: | ||
| Average total assets | $57,390,200 | 4,808 |
| Average earning assets | $54,332,800 | 4,781 |
| Average equity | $6,779,600 | 4,780 |
| Average total loans | $32,818,600 | 4,747 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2928% | 2,991 |
| Cost of funding earning assets | 0.2381% | 4,855 |
| Net interest margin | 4.0547% | 1,774 |
| Noninterest income to average assets | 0.2046% | 4,742 |
| Noninterest expense to average assets | 2.9339% | 2,220 |
| Loan and lease loss provision to assets | 0.0581% | 2,813 |
| Net operating income to assets | 1.0531% | 2,859 |
| Return on assets (ROA) | 1.0531% | 2,869 |
| Pretax return on assets | 1.0531% | 3,567 |
| Return on Equity (ROE) | 8.9855% | 3,098 |
| Retained earnings to average equity (ytd only) | 7.5970% | 1,851 |
| Net charge-offs to loans | 0.0521% | 2,079 |
| Credit loss provision to net charge-offs | 192.3077% | 1,429 |
| Earnings coverage of net charge-offs (x) | 36.7755% | 1,418 |
| Efficiency ratio | 72.5287% | 1,805 |
| Assets per employee ($millions) | 4.1713% | 3,616 |
| Cash dividends to net income (ytd only)* | 15.4525% | 3,192 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6274% | 1,015 |
| Loan loss allowance to noncurrent loans | 291.3043% | 1,685 |
| Noncurrent assets plus other real estate owned to assets | 0.3151% | 3,435 |
| Noncurrent loans to loans | 0.5587% | 2,706 |
| Net loans and leases to total assets | 55.4814% | 4,255 |
| Net loans and leases to deposits | 62.9970% | 4,392 |
| Net loans and leases to core deposits | 66.3880% | 4,392 |
| Total domestic deposits to total assets | 88.0698% | 1,214 |
| Equity capital to assets | 11.8069% | 2,028 |
| Core capital (leverage) ratio | 11.7427% | 1,976 |
| Tier 1 risk-based capital ratio | 25.4677% | 710 |
| Total risk-based capital ratio | 26.7257% | 697 |
| Memoranda: | ||
| Average total assets | $57,350,500 | 4,859 |
| Average earning assets | $54,322,250 | 4,833 |
| Average equity | $6,721,750 | 4,839 |
| Average total loans | $33,233,250 | 4,790 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2610% | 2,908 |
| Cost of funding earning assets | 0.2375% | 4,817 |
| Net interest margin | 4.0235% | 1,781 |
| Noninterest income to average assets | 0.2210% | 4,702 |
| Noninterest expense to average assets | 2.9403% | 2,225 |
| Loan and lease loss provision to assets | 0.0702% | 2,480 |
| Net operating income to assets | 1.0140% | 2,956 |
| Return on assets (ROA) | 1.0140% | 2,964 |
| Pretax return on assets | 1.0140% | 3,623 |
| Return on Equity (ROE) | 8.6735% | 3,186 |
| Retained earnings to average equity (ytd only) | 7.6230% | 1,788 |
| Net charge-offs to loans | 0.0780% | 1,546 |
| Credit loss provision to net charge-offs | 153.8462% | 1,553 |
| Earnings coverage of net charge-offs (x) | 23.7692% | 1,700 |
| Efficiency ratio | 73.0602% | 1,842 |
| Assets per employee ($millions) | 4.1106% | 3,712 |
| Cash dividends to net income (ytd only)* | 12.1107% | 3,245 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5460% | 1,252 |
| Loan loss allowance to noncurrent loans | 275.1295% | 1,761 |
| Noncurrent assets plus other real estate owned to assets | 0.3354% | 3,414 |
| Noncurrent loans to loans | 0.5619% | 2,735 |
| Net loans and leases to total assets | 58.7596% | 3,920 |
| Net loans and leases to deposits | 66.6502% | 4,130 |
| Net loans and leases to core deposits | 70.7175% | 4,107 |
| Total domestic deposits to total assets | 88.1612% | 1,298 |
| Equity capital to assets | 11.7624% | 2,013 |
| Core capital (leverage) ratio | 11.9885% | 1,721 |
| Tier 1 risk-based capital ratio | 24.6220% | 775 |
| Total risk-based capital ratio | 25.8791% | 750 |
| Memoranda: | ||
| Average total assets | $57,001,330 | 4,920 |
| Average earning assets | $53,884,000 | 4,896 |
| Average equity | $6,664,000 | 4,897 |
| Average total loans | $33,332,330 | 4,830 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1320% | 3,118 |
| Cost of funding earning assets | 0.2308% | 4,829 |
| Net interest margin | 3.9012% | 2,040 |
| Noninterest income to average assets | 0.2256% | 4,668 |
| Noninterest expense to average assets | 2.8698% | 2,467 |
| Loan and lease loss provision to assets | 0.0705% | 2,352 |
| Net operating income to assets | 0.9801% | 2,939 |
| Return on assets (ROA) | 0.9801% | 2,968 |
| Pretax return on assets | 0.9801% | 3,602 |
| Return on Equity (ROE) | 8.4096% | 3,188 |
| Retained earnings to average equity (ytd only) | 8.4096% | 1,685 |
| Net charge-offs to loans | 0.1584% | 891 |
| Credit loss provision to net charge-offs | 76.9231% | 1,772 |
| Earnings coverage of net charge-offs (x) | 11.4615% | 1,846 |
| Efficiency ratio | 73.2014% | 2,011 |
| Assets per employee ($millions) | 4.4048% | 3,313 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5786% | 1,212 |
| Loan loss allowance to noncurrent loans | 251.6908% | 1,881 |
| Noncurrent assets plus other real estate owned to assets | 0.3615% | 3,391 |
| Noncurrent loans to loans | 0.6272% | 2,660 |
| Net loans and leases to total assets | 56.7270% | 4,055 |
| Net loans and leases to deposits | 64.2452% | 4,199 |
| Net loans and leases to core deposits | 68.1757% | 4,208 |
| Total domestic deposits to total assets | 88.2976% | 1,461 |
| Equity capital to assets | 11.6290% | 2,040 |
| Core capital (leverage) ratio | 11.7964% | 1,779 |
| Tier 1 risk-based capital ratio | 24.5734% | 787 |
| Total risk-based capital ratio | 25.8313% | 769 |
| Memoranda: | ||
| Average total assets | $56,728,000 | 4,985 |
| Average earning assets | $53,726,500 | 4,957 |
| Average equity | $6,611,500 | 4,957 |
| Average total loans | $32,825,500 | 4,898 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9645% | 3,521 |
| Cost of funding earning assets | 0.2204% | 4,788 |
| Net interest margin | 3.7441% | 2,629 |
| Noninterest income to average assets | 0.2301% | 4,759 |
| Noninterest expense to average assets | 2.5488% | 3,612 |
| Loan and lease loss provision to assets | 0.1142% | 1,990 |
| Net operating income to assets | 1.1145% | 1,811 |
| Return on assets (ROA) | 1.1145% | 1,837 |
| Pretax return on assets | 1.1145% | 3,126 |
| Return on Equity (ROE) | 10.6943% | 1,590 |
| Retained earnings to average equity (ytd only) | 7.6410% | 881 |
| Net charge-offs to loans | 0.2408% | 1,076 |
| Credit loss provision to net charge-offs | 86.4198% | 2,848 |
| Earnings coverage of net charge-offs (x) | 9.2963% | 2,809 |
| Efficiency ratio | 67.4730% | 3,004 |
| Assets per employee ($millions) | 4.6828% | 2,891 |
| Cash dividends to net income (ytd only)* | 28.5505% | 3,361 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6050% | 1,136 |
| Loan loss allowance to noncurrent loans | 211.2903% | 2,205 |
| Noncurrent assets plus other real estate owned to assets | 0.7990% | 1,949 |
| Noncurrent loans to loans | 0.7596% | 2,305 |
| Net loans and leases to total assets | 57.1645% | 4,092 |
| Net loans and leases to deposits | 64.7563% | 4,276 |
| Net loans and leases to core deposits | 69.0580% | 4,229 |
| Total domestic deposits to total assets | 88.2763% | 1,356 |
| Equity capital to assets | 11.6810% | 2,050 |
| Core capital (leverage) ratio | 11.1456% | 2,200 |
| Tier 1 risk-based capital ratio | 23.3045% | 882 |
| Total risk-based capital ratio | 24.5613% | 867 |
| Memoranda: | ||
| Average total assets | $61,284,800 | 4,938 |
| Average earning assets | $58,064,800 | 4,909 |
| Average equity | $6,386,600 | 5,047 |
| Average total loans | $33,635,800 | 4,905 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9190% | 3,624 |
| Cost of funding earning assets | 0.2136% | 4,859 |
| Net interest margin | 3.7054% | 2,738 |
| Noninterest income to average assets | 0.2089% | 4,963 |
| Noninterest expense to average assets | 2.5768% | 3,476 |
| Loan and lease loss provision to assets | 0.1172% | 1,851 |
| Net operating income to assets | 1.0273% | 2,427 |
| Return on assets (ROA) | 1.0273% | 2,473 |
| Pretax return on assets | 1.0273% | 3,577 |
| Return on Equity (ROE) | 10.1328% | 2,069 |
| Retained earnings to average equity (ytd only) | 7.8624% | 1,279 |
| Net charge-offs to loans | 0.1850% | 1,136 |
| Credit loss provision to net charge-offs | 117.0213% | 2,044 |
| Earnings coverage of net charge-offs (x) | 11.4246% | 2,504 |
| Efficiency ratio | 69.2440% | 2,665 |
| Assets per employee ($millions) | 5.0804% | 2,350 |
| Cash dividends to net income (ytd only)* | 22.4072% | 3,046 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5417% | 1,388 |
| Loan loss allowance to noncurrent loans | 393.4783% | 1,285 |
| Noncurrent assets plus other real estate owned to assets | 0.5561% | 2,859 |
| Noncurrent loans to loans | 0.3918% | 3,550 |
| Net loans and leases to total assets | 56.8835% | 4,160 |
| Net loans and leases to deposits | 63.7763% | 4,394 |
| Net loans and leases to core deposits | 67.6136% | 4,375 |
| Total domestic deposits to total assets | 89.1922% | 783 |
| Equity capital to assets | 10.6914% | 3,171 |
| Core capital (leverage) ratio | 10.1546% | 3,371 |
| Tier 1 risk-based capital ratio | 21.2318% | 1,158 |
| Total risk-based capital ratio | 22.4851% | 1,140 |
| Memoranda: | ||
| Average total assets | $62,557,500 | 4,963 |
| Average earning assets | $59,298,750 | 4,926 |
| Average equity | $6,342,250 | 5,108 |
| Average total loans | $33,883,000 | 4,953 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8239% | 3,809 |
| Cost of funding earning assets | 0.2072% | 4,910 |
| Net interest margin | 3.6166% | 2,969 |
| Noninterest income to average assets | 0.2251% | 4,895 |
| Noninterest expense to average assets | 2.5551% | 3,565 |
| Loan and lease loss provision to assets | 0.1268% | 1,636 |
| Net operating income to assets | 0.9732% | 2,555 |
| Return on assets (ROA) | 0.9732% | 2,600 |
| Pretax return on assets | 0.9732% | 3,675 |
| Return on Equity (ROE) | 9.7714% | 2,140 |
| Retained earnings to average equity (ytd only) | 8.0208% | 1,154 |
| Net charge-offs to loans | 0.2991% | 678 |
| Credit loss provision to net charge-offs | 80.0000% | 2,259 |
| Earnings coverage of net charge-offs (x) | 6.9400% | 2,656 |
| Efficiency ratio | 69.9046% | 2,690 |
| Assets per employee ($millions) | 5.6269% | 1,766 |
| Cash dividends to net income (ytd only)* | 17.9153% | 3,189 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5329% | 1,461 |
| Loan loss allowance to noncurrent loans | 372.3404% | 1,320 |
| Noncurrent assets plus other real estate owned to assets | 0.5065% | 3,075 |
| Noncurrent loans to loans | 0.4117% | 3,550 |
| Net loans and leases to total assets | 49.9430% | 4,715 |
| Net loans and leases to deposits | 55.2202% | 4,896 |
| Net loans and leases to core deposits | 58.1551% | 4,913 |
| Total domestic deposits to total assets | 90.4433% | 377 |
| Equity capital to assets | 9.4916% | 4,408 |
| Core capital (leverage) ratio | 10.0765% | 3,434 |
| Tier 1 risk-based capital ratio | 20.4059% | 1,289 |
| Total risk-based capital ratio | 21.6594% | 1,262 |
| Memoranda: | ||
| Average total assets | $63,088,330 | 4,994 |
| Average earning assets | $59,834,670 | 4,954 |
| Average equity | $6,283,670 | 5,147 |
| Average total loans | $33,436,670 | 4,996 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9244% | 3,308 |
| Cost of funding earning assets | 0.2076% | 4,906 |
| Net interest margin | 3.7167% | 2,430 |
| Noninterest income to average assets | 0.2234% | 4,933 |
| Noninterest expense to average assets | 2.5694% | 3,591 |
| Loan and lease loss provision to assets | 0.1314% | 1,456 |
| Net operating income to assets | 1.0514% | 2,065 |
| Return on assets (ROA) | 1.0514% | 2,113 |
| Pretax return on assets | 1.0514% | 3,168 |
| Return on Equity (ROE) | 10.2877% | 1,834 |
| Retained earnings to average equity (ytd only) | 10.2877% | 750 |
| Net charge-offs to loans | 0.2422% | 740 |
| Credit loss provision to net charge-offs | 100.0000% | 1,560 |
| Earnings coverage of net charge-offs (x) | 9.0000% | 2,020 |
| Efficiency ratio | 68.4764% | 3,130 |
| Assets per employee ($millions) | 5.5727% | 1,821 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5714% | 1,451 |
| Loan loss allowance to noncurrent loans | 140.7895% | 2,943 |
| Noncurrent assets plus other real estate owned to assets | 0.6199% | 2,775 |
| Noncurrent loans to loans | 1.1162% | 1,833 |
| Net loans and leases to total assets | 54.6656% | 4,288 |
| Net loans and leases to deposits | 60.9716% | 4,498 |
| Net loans and leases to core deposits | 64.5901% | 4,502 |
| Total domestic deposits to total assets | 89.6574% | 819 |
| Equity capital to assets | 10.2822% | 3,423 |
| Core capital (leverage) ratio | 10.3596% | 3,045 |
| Tier 1 risk-based capital ratio | 21.1673% | 1,197 |
| Total risk-based capital ratio | 22.4224% | 1,175 |
| Memoranda: | ||
| Average total assets | $60,871,000 | 5,097 |
| Average earning assets | $57,793,000 | 5,054 |
| Average equity | $6,221,000 | 5,204 |
| Average total loans | $33,031,000 | 5,054 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7076% | 4,187 |
| Cost of funding earning assets | 0.2112% | 4,914 |
| Net interest margin | 3.4964% | 3,443 |
| Noninterest income to average assets | 0.2440% | 4,964 |
| Noninterest expense to average assets | 2.6714% | 3,444 |
| Loan and lease loss provision to assets | 0.0737% | 2,881 |
| Net operating income to assets | 0.8075% | 3,272 |
| Return on assets (ROA) | 0.8517% | 3,169 |
| Pretax return on assets | 0.8517% | 4,006 |
| Return on Equity (ROE) | 8.4721% | 2,689 |
| Retained earnings to average equity (ytd only) | 4.6597% | 2,578 |
| Net charge-offs to loans | 0.0332% | 3,360 |
| Credit loss provision to net charge-offs | 450.0000% | 715 |
| Earnings coverage of net charge-offs (x) | 53.8000% | 966 |
| Efficiency ratio | 75.1959% | 2,111 |
| Assets per employee ($millions) | 4.6494% | 2,879 |
| Cash dividends to net income (ytd only)* | 45.0000% | 2,595 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6710% | 1,199 |
| Loan loss allowance to noncurrent loans | 159.2262% | 2,689 |
| Noncurrent assets plus other real estate owned to assets | 0.5559% | 3,063 |
| Noncurrent loans to loans | 1.0494% | 1,980 |
| Net loans and leases to total assets | 52.0863% | 4,599 |
| Net loans and leases to deposits | 58.0035% | 4,785 |
| Net loans and leases to core deposits | 61.4871% | 4,776 |
| Total domestic deposits to total assets | 89.7985% | 724 |
| Equity capital to assets | 10.1568% | 3,539 |
| Core capital (leverage) ratio | 9.9755% | 3,511 |
| Tier 1 risk-based capital ratio | 21.3674% | 1,152 |
| Total risk-based capital ratio | 22.6223% | 1,138 |
| Memoranda: | ||
| Average total assets | $61,053,400 | 5,116 |
| Average earning assets | $57,773,000 | 5,080 |
| Average equity | $6,137,800 | 5,255 |
| Average total loans | $30,096,800 | 5,183 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6995% | 4,252 |
| Cost of funding earning assets | 0.2076% | 4,992 |
| Net interest margin | 3.4919% | 3,502 |
| Noninterest income to average assets | 0.2091% | 5,217 |
| Noninterest expense to average assets | 2.6772% | 3,408 |
| Loan and lease loss provision to assets | 0.0654% | 2,920 |
| Net operating income to assets | 0.7646% | 3,535 |
| Return on assets (ROA) | 0.8212% | 3,411 |
| Pretax return on assets | 0.8212% | 4,245 |
| Return on Equity (ROE) | 8.1898% | 2,914 |
| Retained earnings to average equity (ytd only) | 5.7134% | 2,348 |
| Net charge-offs to loans | 0.0405% | 2,827 |
| Credit loss provision to net charge-offs | 333.3333% | 956 |
| Earnings coverage of net charge-offs (x) | 42.3325% | 1,193 |
| Efficiency ratio | 76.3354% | 1,930 |
| Assets per employee ($millions) | 4.8438% | 2,567 |
| Cash dividends to net income (ytd only)* | 30.2397% | 2,823 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6449% | 1,337 |
| Loan loss allowance to noncurrent loans | 150.1441% | 2,784 |
| Noncurrent assets plus other real estate owned to assets | 0.5511% | 3,254 |
| Noncurrent loans to loans | 1.0956% | 2,064 |
| Net loans and leases to total assets | 49.4712% | 4,857 |
| Net loans and leases to deposits | 54.9913% | 5,052 |
| Net loans and leases to core deposits | 58.1444% | 5,047 |
| Total domestic deposits to total assets | 89.9619% | 495 |
| Equity capital to assets | 9.9397% | 4,190 |
| Core capital (leverage) ratio | 9.4887% | 4,197 |
| Tier 1 risk-based capital ratio | 21.0977% | 1,254 |
| Total risk-based capital ratio | 22.3520% | 1,228 |
| Memoranda: | ||
| Average total assets | $61,206,250 | 5,159 |
| Average earning assets | $57,808,750 | 5,124 |
| Average equity | $6,137,500 | 5,312 |
| Average total loans | $29,616,750 | 5,251 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6287% | 4,511 |
| Cost of funding earning assets | 0.2059% | 5,083 |
| Net interest margin | 3.4228% | 3,787 |
| Noninterest income to average assets | 0.2145% | 5,207 |
| Noninterest expense to average assets | 2.6395% | 3,574 |
| Loan and lease loss provision to assets | 0.0660% | 2,824 |
| Net operating income to assets | 0.7456% | 3,571 |
| Return on assets (ROA) | 0.7753% | 3,573 |
| Pretax return on assets | 0.7753% | 4,373 |
| Return on Equity (ROE) | 7.7087% | 3,138 |
| Retained earnings to average equity (ytd only) | 5.9373% | 2,152 |
| Net charge-offs to loans | 0.1106% | 1,724 |
| Credit loss provision to net charge-offs | 125.0000% | 1,802 |
| Earnings coverage of net charge-offs (x) | 15.3750% | 1,995 |
| Efficiency ratio | 76.4818% | 2,012 |
| Assets per employee ($millions) | 4.6962% | 2,726 |
| Cash dividends to net income (ytd only)* | 22.9787% | 3,094 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6819% | 1,311 |
| Loan loss allowance to noncurrent loans | 135.1206% | 3,087 |
| Noncurrent assets plus other real estate owned to assets | 0.8403% | 2,494 |
| Noncurrent loans to loans | 1.2447% | 1,845 |
| Net loans and leases to total assets | 48.2580% | 4,971 |
| Net loans and leases to deposits | 53.7795% | 5,151 |
| Net loans and leases to core deposits | 56.6522% | 5,139 |
| Total domestic deposits to total assets | 89.7332% | 584 |
| Equity capital to assets | 10.1964% | 3,982 |
| Core capital (leverage) ratio | 9.9464% | 3,625 |
| Tier 1 risk-based capital ratio | 21.4006% | 1,211 |
| Total risk-based capital ratio | 22.6544% | 1,191 |
| Memoranda: | ||
| Average total assets | $60,618,330 | 5,230 |
| Average earning assets | $57,321,000 | 5,190 |
| Average equity | $6,097,000 | 5,366 |
| Average total loans | $28,931,330 | 5,337 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5744% | 4,690 |
| Cost of funding earning assets | 0.2098% | 5,109 |
| Net interest margin | 3.3645% | 3,994 |
| Noninterest income to average assets | 0.2450% | 4,984 |
| Noninterest expense to average assets | 2.6291% | 3,661 |
| Loan and lease loss provision to assets | 0.0662% | 2,638 |
| Net operating income to assets | 0.7351% | 3,563 |
| Return on assets (ROA) | 0.7351% | 3,667 |
| Pretax return on assets | 0.7351% | 4,400 |
| Return on Equity (ROE) | 7.3595% | 3,261 |
| Retained earnings to average equity (ytd only) | 7.3595% | 1,724 |
| Net charge-offs to loans | 0.3238% | 681 |
| Credit loss provision to net charge-offs | 43.4783% | 2,115 |
| Earnings coverage of net charge-offs (x) | 5.2609% | 2,343 |
| Efficiency ratio | 76.6409% | 2,090 |
| Assets per employee ($millions) | 4.6636% | 2,798 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7318% | 1,280 |
| Loan loss allowance to noncurrent loans | 119.3627% | 3,237 |
| Noncurrent assets plus other real estate owned to assets | 0.9039% | 2,429 |
| Noncurrent loans to loans | 1.4509% | 1,630 |
| Net loans and leases to total assets | 45.5804% | 5,148 |
| Net loans and leases to deposits | 50.7344% | 5,300 |
| Net loans and leases to core deposits | 53.4579% | 5,290 |
| Total domestic deposits to total assets | 89.8412% | 657 |
| Equity capital to assets | 10.0962% | 3,957 |
| Core capital (leverage) ratio | 9.8002% | 3,779 |
| Tier 1 risk-based capital ratio | 22.2802% | 1,123 |
| Total risk-based capital ratio | 23.5369% | 1,103 |
| Memoranda: | ||
| Average total assets | $60,402,000 | 5,280 |
| Average earning assets | $57,185,000 | 5,235 |
| Average equity | $6,033,000 | 5,414 |
| Average total loans | $28,414,000 | 5,402 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5570% | 4,786 |
| Cost of funding earning assets | 0.2218% | 5,081 |
| Net interest margin | 3.3352% | 4,165 |
| Noninterest income to average assets | 0.2222% | 5,270 |
| Noninterest expense to average assets | 2.6763% | 3,665 |
| Loan and lease loss provision to assets | 0.0829% | 2,635 |
| Net operating income to assets | 0.6052% | 4,246 |
| Return on assets (ROA) | 0.6301% | 4,229 |
| Pretax return on assets | 0.6301% | 4,744 |
| Return on Equity (ROE) | 6.4304% | 3,823 |
| Retained earnings to average equity (ytd only) | 3.2829% | 3,718 |
| Net charge-offs to loans | 0.2414% | 1,241 |
| Credit loss provision to net charge-offs | 76.9231% | 3,004 |
| Earnings coverage of net charge-offs (x) | 6.3846% | 3,237 |
| Efficiency ratio | 79.5466% | 1,739 |
| Assets per employee ($millions) | 5.0148% | 2,350 |
| Cash dividends to net income (ytd only)* | 48.9474% | 2,362 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7417% | 1,259 |
| Loan loss allowance to noncurrent loans | 99.2063% | 3,704 |
| Noncurrent assets plus other real estate owned to assets | 1.0702% | 2,046 |
| Noncurrent loans to loans | 1.7557% | 1,274 |
| Net loans and leases to total assets | 46.8734% | 5,104 |
| Net loans and leases to deposits | 52.0271% | 5,284 |
| Net loans and leases to core deposits | 54.8305% | 5,265 |
| Total domestic deposits to total assets | 90.0942% | 594 |
| Equity capital to assets | 9.8792% | 4,101 |
| Core capital (leverage) ratio | 9.4362% | 4,270 |
| Tier 1 risk-based capital ratio | 21.6365% | 1,197 |
| Total risk-based capital ratio | 22.8876% | 1,178 |
| Memoranda: | ||
| Average total assets | $60,307,200 | 5,313 |
| Average earning assets | $56,818,000 | 5,270 |
| Average equity | $5,909,400 | 5,457 |
| Average total loans | $26,929,600 | 5,487 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5235% | 4,930 |
| Cost of funding earning assets | 0.2255% | 5,128 |
| Net interest margin | 3.2980% | 4,351 |
| Noninterest income to average assets | 0.2276% | 5,290 |
| Noninterest expense to average assets | 2.6958% | 3,579 |
| Loan and lease loss provision to assets | 0.0552% | 3,092 |
| Net operating income to assets | 0.5789% | 4,481 |
| Return on assets (ROA) | 0.6054% | 4,457 |
| Pretax return on assets | 0.6054% | 4,961 |
| Return on Equity (ROE) | 6.1913% | 4,060 |
| Retained earnings to average equity (ytd only) | 3.9544% | 3,654 |
| Net charge-offs to loans | 0.2769% | 964 |
| Credit loss provision to net charge-offs | 45.4545% | 3,090 |
| Earnings coverage of net charge-offs (x) | 5.2183% | 3,235 |
| Efficiency ratio | 80.9555% | 1,523 |
| Assets per employee ($millions) | 5.2094% | 2,053 |
| Cash dividends to net income (ytd only)* | 36.1327% | 2,511 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6707% | 1,552 |
| Loan loss allowance to noncurrent loans | 94.3580% | 3,795 |
| Noncurrent assets plus other real estate owned to assets | 1.2269% | 1,918 |
| Noncurrent loans to loans | 1.7706% | 1,342 |
| Net loans and leases to total assets | 45.6625% | 5,251 |
| Net loans and leases to deposits | 50.5606% | 5,445 |
| Net loans and leases to core deposits | 53.1683% | 5,452 |
| Total domestic deposits to total assets | 90.3124% | 459 |
| Equity capital to assets | 9.5884% | 4,648 |
| Core capital (leverage) ratio | 9.1550% | 4,801 |
| Tier 1 risk-based capital ratio | 21.2379% | 1,304 |
| Total risk-based capital ratio | 22.4956% | 1,284 |
| Memoranda: | ||
| Average total assets | $60,339,750 | 5,382 |
| Average earning assets | $56,760,750 | 5,343 |
| Average equity | $5,900,500 | 5,525 |
| Average total loans | $26,485,250 | 5,567 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5166% | 4,939 |
| Cost of funding earning assets | 0.2256% | 5,186 |
| Net interest margin | 3.2910% | 4,334 |
| Noninterest income to average assets | 0.2449% | 5,204 |
| Noninterest expense to average assets | 2.6201% | 3,849 |
| Loan and lease loss provision to assets | 0.0335% | 3,443 |
| Net operating income to assets | 0.6743% | 4,007 |
| Return on assets (ROA) | 0.6743% | 4,119 |
| Pretax return on assets | 0.6743% | 4,740 |
| Return on Equity (ROE) | 6.8492% | 3,706 |
| Retained earnings to average equity (ytd only) | 4.6002% | 3,110 |
| Net charge-offs to loans | 0.4291% | 599 |
| Credit loss provision to net charge-offs | 18.1818% | 3,032 |
| Earnings coverage of net charge-offs (x) | 3.8364% | 3,130 |
| Efficiency ratio | 78.7298% | 1,959 |
| Assets per employee ($millions) | 5.2270% | 2,012 |
| Cash dividends to net income (ytd only)* | 32.8358% | 2,708 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8033% | 1,362 |
| Loan loss allowance to noncurrent loans | 92.8854% | 3,882 |
| Noncurrent assets plus other real estate owned to assets | 1.2962% | 1,939 |
| Noncurrent loans to loans | 1.9414% | 1,278 |
| Net loans and leases to total assets | 40.8042% | 5,585 |
| Net loans and leases to deposits | 45.0876% | 5,722 |
| Net loans and leases to core deposits | 47.3963% | 5,709 |
| Total domestic deposits to total assets | 90.4996% | 450 |
| Equity capital to assets | 9.4302% | 4,738 |
| Core capital (leverage) ratio | 9.6866% | 4,015 |
| Tier 1 risk-based capital ratio | 21.6875% | 1,251 |
| Total risk-based capital ratio | 22.9433% | 1,234 |
| Memoranda: | ||
| Average total assets | $59,615,330 | 5,457 |
| Average earning assets | $55,848,670 | 5,414 |
| Average equity | $5,869,330 | 5,578 |
| Average total loans | $25,637,000 | 5,648 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6559% | 4,514 |
| Cost of funding earning assets | 0.2359% | 5,161 |
| Net interest margin | 3.4200% | 3,761 |
| Noninterest income to average assets | 0.2618% | 5,083 |
| Noninterest expense to average assets | 2.4733% | 4,354 |
| Loan and lease loss provision to assets | 0.0344% | 3,209 |
| Net operating income to assets | 0.9507% | 2,504 |
| Return on assets (ROA) | 0.9507% | 2,638 |
| Pretax return on assets | 0.9507% | 3,690 |
| Return on Equity (ROE) | 9.4415% | 2,243 |
| Retained earnings to average equity (ytd only) | 9.4415% | 1,056 |
| Net charge-offs to loans | 0.8653% | 275 |
| Credit loss provision to net charge-offs | 9.0909% | 2,437 |
| Earnings coverage of net charge-offs (x) | 2.6000% | 2,729 |
| Efficiency ratio | 71.5139% | 3,246 |
| Assets per employee ($millions) | 5.3826% | 1,912 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8149% | 1,467 |
| Loan loss allowance to noncurrent loans | 86.7537% | 4,005 |
| Noncurrent assets plus other real estate owned to assets | 1.6366% | 1,553 |
| Noncurrent loans to loans | 2.0920% | 1,234 |
| Net loans and leases to total assets | 42.4868% | 5,449 |
| Net loans and leases to deposits | 47.2839% | 5,605 |
| Net loans and leases to core deposits | 49.8731% | 5,597 |
| Total domestic deposits to total assets | 89.8546% | 811 |
| Equity capital to assets | 10.0863% | 4,040 |
| Core capital (leverage) ratio | 10.0071% | 3,587 |
| Tier 1 risk-based capital ratio | 22.0671% | 1,231 |
| Total risk-based capital ratio | 23.3252% | 1,211 |
| Memoranda: | ||
| Average total assets | $58,061,000 | 5,542 |
| Average earning assets | $54,269,000 | 5,507 |
| Average equity | $5,846,500 | 5,641 |
| Average total loans | $25,423,500 | 5,702 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3409% | 5,636 |
| Cost of funding earning assets | 0.2905% | 4,886 |
| Net interest margin | 3.0503% | 5,313 |
| Noninterest income to average assets | 0.0321% | 6,333 |
| Noninterest expense to average assets | 2.3483% | 4,979 |
| Loan and lease loss provision to assets | 0.0169% | 4,269 |
| Net operating income to assets | 0.5385% | 4,643 |
| Return on assets (ROA) | 0.5419% | 4,718 |
| Pretax return on assets | 0.5419% | 5,131 |
| Return on Equity (ROE) | 5.7672% | 4,279 |
| Retained earnings to average equity (ytd only) | 3.3417% | 3,838 |
| Net charge-offs to loans | -0.2566% | 6,306 |
| Credit loss provision to net charge-offs | -17.2414% | 5,337 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.8721% | 1,791 |
| Assets per employee ($millions) | 5.1739% | 2,097 |
| Cash dividends to net income (ytd only)* | 42.0561% | 2,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0415% | 1,039 |
| Loan loss allowance to noncurrent loans | 86.2647% | 4,059 |
| Noncurrent assets plus other real estate owned to assets | 2.1261% | 1,158 |
| Noncurrent loans to loans | 2.3666% | 1,095 |
| Net loans and leases to total assets | 43.4189% | 5,503 |
| Net loans and leases to deposits | 48.2750% | 5,670 |
| Net loans and leases to core deposits | 51.0252% | 5,664 |
| Total domestic deposits to total assets | 89.9408% | 759 |
| Equity capital to assets | 10.0522% | 4,041 |
| Core capital (leverage) ratio | 9.6227% | 4,068 |
| Tier 1 risk-based capital ratio | 22.1358% | 1,203 |
| Total risk-based capital ratio | 23.3970% | 1,179 |
| Memoranda: | ||
| Average total assets | $59,234,200 | 5,568 |
| Average earning assets | $55,764,200 | 5,524 |
| Average equity | $5,566,000 | 5,722 |
| Average total loans | $22,603,400 | 5,870 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2678% | 5,812 |
| Cost of funding earning assets | 0.3031% | 4,862 |
| Net interest margin | 2.9647% | 5,573 |
| Noninterest income to average assets | 0.1583% | 5,961 |
| Noninterest expense to average assets | 2.3249% | 5,040 |
| Loan and lease loss provision to assets | 0.0223% | 3,961 |
| Net operating income to assets | 0.6018% | 4,442 |
| Return on assets (ROA) | 0.6063% | 4,504 |
| Pretax return on assets | 0.6063% | 5,010 |
| Return on Equity (ROE) | 6.5613% | 3,929 |
| Retained earnings to average equity (ytd only) | 4.1731% | 3,679 |
| Net charge-offs to loans | -0.3523% | 6,416 |
| Credit loss provision to net charge-offs | -17.2414% | 5,266 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.8360% | 2,070 |
| Assets per employee ($millions) | 4.9799% | 2,261 |
| Cash dividends to net income (ytd only)* | 36.3977% | 2,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2012% | 950 |
| Loan loss allowance to noncurrent loans | 85.4305% | 4,038 |
| Noncurrent assets plus other real estate owned to assets | 2.1838% | 1,266 |
| Noncurrent loans to loans | 2.5766% | 1,121 |
| Net loans and leases to total assets | 38.3641% | 5,921 |
| Net loans and leases to deposits | 42.3818% | 6,035 |
| Net loans and leases to core deposits | 44.6492% | 6,013 |
| Total domestic deposits to total assets | 90.5203% | 517 |
| Equity capital to assets | 9.3844% | 4,943 |
| Core capital (leverage) ratio | 9.2692% | 4,677 |
| Tier 1 risk-based capital ratio | 22.2403% | 1,230 |
| Total risk-based capital ratio | 23.5029% | 1,214 |
| Memoranda: | ||
| Average total assets | $59,814,500 | 5,614 |
| Average earning assets | $56,305,250 | 5,569 |
| Average equity | $5,527,250 | 5,791 |
| Average total loans | $21,947,750 | 5,951 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2364% | 5,894 |
| Cost of funding earning assets | 0.3176% | 4,788 |
| Net interest margin | 2.9189% | 5,704 |
| Noninterest income to average assets | 0.2373% | 5,500 |
| Noninterest expense to average assets | 2.2897% | 5,174 |
| Loan and lease loss provision to assets | 0.0334% | 3,619 |
| Net operating income to assets | 0.6485% | 4,107 |
| Return on assets (ROA) | 0.6552% | 4,164 |
| Pretax return on assets | 0.6552% | 4,771 |
| Return on Equity (ROE) | 7.1268% | 3,558 |
| Retained earnings to average equity (ytd only) | 5.1633% | 2,854 |
| Net charge-offs to loans | -0.3823% | 6,476 |
| Credit loss provision to net charge-offs | -24.3902% | 5,113 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.0529% | 2,445 |
| Assets per employee ($millions) | 5.3654% | 1,820 |
| Cash dividends to net income (ytd only)* | 27.5510% | 2,891 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3273% | 871 |
| Loan loss allowance to noncurrent loans | 81.5359% | 4,136 |
| Noncurrent assets plus other real estate owned to assets | 2.2586% | 1,332 |
| Noncurrent loans to loans | 2.8543% | 1,047 |
| Net loans and leases to total assets | 35.4835% | 6,074 |
| Net loans and leases to deposits | 39.2496% | 6,176 |
| Net loans and leases to core deposits | 41.3767% | 6,174 |
| Total domestic deposits to total assets | 90.4048% | 618 |
| Equity capital to assets | 9.5410% | 4,700 |
| Core capital (leverage) ratio | 9.5064% | 4,323 |
| Tier 1 risk-based capital ratio | 23.1851% | 1,082 |
| Total risk-based capital ratio | 24.4462% | 1,067 |
| Memoranda: | ||
| Average total assets | $59,833,000 | 5,666 |
| Average earning assets | $56,049,330 | 5,619 |
| Average equity | $5,500,330 | 5,833 |
| Average total loans | $21,449,670 | 6,016 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1944% | 6,013 |
| Cost of funding earning assets | 0.3336% | 4,706 |
| Net interest margin | 2.8607% | 5,829 |
| Noninterest income to average assets | 0.2390% | 5,446 |
| Noninterest expense to average assets | 2.1448% | 5,591 |
| Loan and lease loss provision to assets | 0.0664% | 2,795 |
| Net operating income to assets | 0.7039% | 3,668 |
| Return on assets (ROA) | 0.7171% | 3,676 |
| Pretax return on assets | 0.7171% | 4,427 |
| Return on Equity (ROE) | 7.9485% | 2,953 |
| Retained earnings to average equity (ytd only) | 7.9485% | 1,611 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5763% | 3,218 |
| Assets per employee ($millions) | 6.7634% | 896 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1369% | 1,257 |
| Loan loss allowance to noncurrent loans | 62.3978% | 4,754 |
| Noncurrent assets plus other real estate owned to assets | 2.4067% | 1,346 |
| Noncurrent loans to loans | 3.4246% | 868 |
| Net loans and leases to total assets | 34.4581% | 6,155 |
| Net loans and leases to deposits | 37.9055% | 6,253 |
| Net loans and leases to core deposits | 39.8795% | 6,239 |
| Total domestic deposits to total assets | 90.9054% | 612 |
| Equity capital to assets | 9.0519% | 5,053 |
| Core capital (leverage) ratio | 9.2903% | 4,592 |
| Tier 1 risk-based capital ratio | 22.5612% | 1,195 |
| Total risk-based capital ratio | 23.8207% | 1,177 |
| Memoranda: | ||
| Average total assets | $60,240,000 | 5,706 |
| Average earning assets | $56,349,000 | 5,652 |
| Average equity | $5,435,000 | 5,890 |
| Average total loans | $21,454,000 | 6,072 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2869% | 6,015 |
| Cost of funding earning assets | 0.4006% | 4,648 |
| Net interest margin | 2.8863% | 5,814 |
| Noninterest income to average assets | 0.2976% | 5,225 |
| Noninterest expense to average assets | 2.2725% | 5,454 |
| Loan and lease loss provision to assets | 0.0831% | 3,457 |
| Net operating income to assets | 0.6367% | 4,088 |
| Return on assets (ROA) | 0.6417% | 4,172 |
| Pretax return on assets | 0.6417% | 4,733 |
| Return on Equity (ROE) | 7.0266% | 3,547 |
| Retained earnings to average equity (ytd only) | 4.2961% | 3,119 |
| Net charge-offs to loans | 0.3696% | 1,832 |
| Credit loss provision to net charge-offs | 59.5238% | 3,579 |
| Earnings coverage of net charge-offs (x) | 5.1548% | 3,368 |
| Efficiency ratio | 75.9444% | 2,780 |
| Assets per employee ($millions) | 6.6232% | 935 |
| Cash dividends to net income (ytd only)* | 38.8601% | 2,868 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0861% | 1,363 |
| Loan loss allowance to noncurrent loans | 52.7680% | 5,144 |
| Noncurrent assets plus other real estate owned to assets | 2.6506% | 1,267 |
| Noncurrent loans to loans | 3.9534% | 736 |
| Net loans and leases to total assets | 35.2749% | 6,234 |
| Net loans and leases to deposits | 38.7637% | 6,343 |
| Net loans and leases to core deposits | 40.8212% | 6,339 |
| Total domestic deposits to total assets | 90.9997% | 569 |
| Equity capital to assets | 8.9919% | 5,044 |
| Core capital (leverage) ratio | 8.7218% | 5,396 |
| Tier 1 risk-based capital ratio | 22.3963% | 1,193 |
| Total risk-based capital ratio | 23.6545% | 1,172 |
| Memoranda: | ||
| Average total assets | $60,154,000 | 5,750 |
| Average earning assets | $56,161,800 | 5,697 |
| Average equity | $5,493,400 | 5,929 |
| Average total loans | $22,727,200 | 6,088 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3151% | 6,040 |
| Cost of funding earning assets | 0.4079% | 4,759 |
| Net interest margin | 2.9072% | 5,800 |
| Noninterest income to average assets | 0.3472% | 4,908 |
| Noninterest expense to average assets | 2.3375% | 5,222 |
| Loan and lease loss provision to assets | 0.0885% | 3,292 |
| Net operating income to assets | 0.6325% | 4,203 |
| Return on assets (ROA) | 0.6369% | 4,301 |
| Pretax return on assets | 0.6369% | 4,893 |
| Return on Equity (ROE) | 6.9478% | 3,680 |
| Retained earnings to average equity (ytd only) | 5.8622% | 2,506 |
| Net charge-offs to loans | 0.4861% | 1,319 |
| Credit loss provision to net charge-offs | 47.6190% | 3,564 |
| Earnings coverage of net charge-offs (x) | 3.8809% | 3,592 |
| Efficiency ratio | 76.4281% | 2,662 |
| Assets per employee ($millions) | 6.3938% | 976 |
| Cash dividends to net income (ytd only)* | 15.6254% | 3,259 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0529% | 1,603 |
| Loan loss allowance to noncurrent loans | 57.7836% | 4,908 |
| Noncurrent assets plus other real estate owned to assets | 2.9028% | 1,282 |
| Noncurrent loans to loans | 3.5527% | 1,067 |
| Net loans and leases to total assets | 32.6848% | 6,421 |
| Net loans and leases to deposits | 35.7029% | 6,521 |
| Net loans and leases to core deposits | 38.0254% | 6,501 |
| Total domestic deposits to total assets | 91.5465% | 355 |
| Equity capital to assets | 8.3612% | 5,866 |
| Core capital (leverage) ratio | 8.3721% | 5,889 |
| Tier 1 risk-based capital ratio | 21.4059% | 1,417 |
| Total risk-based capital ratio | 22.6971% | 1,384 |
| Memoranda: | ||
| Average total assets | $60,290,250 | 5,811 |
| Average earning assets | $56,226,500 | 5,756 |
| Average equity | $5,526,750 | 5,992 |
| Average total loans | $23,040,250 | 6,137 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4246% | 5,850 |
| Cost of funding earning assets | 0.4040% | 4,904 |
| Net interest margin | 3.0207% | 5,518 |
| Noninterest income to average assets | 0.3623% | 4,798 |
| Noninterest expense to average assets | 2.3360% | 5,254 |
| Loan and lease loss provision to assets | 0.1016% | 3,100 |
| Net operating income to assets | 0.7347% | 3,638 |
| Return on assets (ROA) | 0.7414% | 3,765 |
| Pretax return on assets | 0.7414% | 4,532 |
| Return on Equity (ROE) | 7.8396% | 3,172 |
| Retained earnings to average equity (ytd only) | 6.2287% | 2,304 |
| Net charge-offs to loans | 0.5252% | 1,257 |
| Credit loss provision to net charge-offs | 48.3871% | 3,245 |
| Earnings coverage of net charge-offs (x) | 3.9839% | 3,246 |
| Efficiency ratio | 73.6393% | 3,194 |
| Assets per employee ($millions) | 6.2985% | 1,013 |
| Cash dividends to net income (ytd only)* | 20.5479% | 2,976 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0079% | 1,831 |
| Loan loss allowance to noncurrent loans | 42.9389% | 5,496 |
| Noncurrent assets plus other real estate owned to assets | 3.5532% | 1,067 |
| Noncurrent loans to loans | 4.6763% | 730 |
| Net loans and leases to total assets | 34.8670% | 6,367 |
| Net loans and leases to deposits | 38.1911% | 6,478 |
| Net loans and leases to core deposits | 40.7175% | 6,441 |
| Total domestic deposits to total assets | 91.2963% | 449 |
| Equity capital to assets | 8.6544% | 5,606 |
| Core capital (leverage) ratio | 9.1316% | 4,782 |
| Tier 1 risk-based capital ratio | 20.8538% | 1,525 |
| Total risk-based capital ratio | 22.1478% | 1,490 |
| Memoranda: | ||
| Average total assets | $59,074,330 | 5,874 |
| Average earning assets | $54,954,670 | 5,826 |
| Average equity | $5,587,000 | 6,023 |
| Average total loans | $23,608,330 | 6,143 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5999% | 5,457 |
| Cost of funding earning assets | 0.4302% | 4,804 |
| Net interest margin | 3.1697% | 5,030 |
| Noninterest income to average assets | 0.2661% | 5,554 |
| Noninterest expense to average assets | 2.3250% | 5,353 |
| Loan and lease loss provision to assets | 0.0700% | 3,463 |
| Net operating income to assets | 0.8123% | 3,090 |
| Return on assets (ROA) | 0.8263% | 3,160 |
| Pretax return on assets | 0.8263% | 4,056 |
| Return on Equity (ROE) | 8.3466% | 2,796 |
| Retained earnings to average equity (ytd only) | 5.1636% | 3,136 |
| Net charge-offs to loans | 0.6940% | 885 |
| Credit loss provision to net charge-offs | 23.8095% | 2,981 |
| Earnings coverage of net charge-offs (x) | 3.0000% | 2,872 |
| Efficiency ratio | 72.4891% | 3,520 |
| Assets per employee ($millions) | 5.8205% | 1,399 |
| Cash dividends to net income (ytd only)* | 38.1356% | 1,901 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8991% | 2,303 |
| Loan loss allowance to noncurrent loans | 33.0639% | 5,910 |
| Noncurrent assets plus other real estate owned to assets | 4.1423% | 942 |
| Noncurrent loans to loans | 5.7436% | 603 |
| Net loans and leases to total assets | 39.9381% | 6,001 |
| Net loans and leases to deposits | 44.2562% | 6,186 |
| Net loans and leases to core deposits | 47.4757% | 6,125 |
| Total domestic deposits to total assets | 90.2431% | 910 |
| Equity capital to assets | 9.7225% | 4,529 |
| Core capital (leverage) ratio | 9.3012% | 4,396 |
| Tier 1 risk-based capital ratio | 20.8697% | 1,566 |
| Total risk-based capital ratio | 22.1652% | 1,531 |
| Memoranda: | ||
| Average total assets | $57,119,000 | 5,990 |
| Average earning assets | $53,002,000 | 5,947 |
| Average equity | $5,655,000 | 6,063 |
| Average total loans | $24,207,000 | 6,163 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1317% | 4,833 |
| Cost of funding earning assets | 0.5216% | 5,060 |
| Net interest margin | 3.6101% | 4,041 |
| Noninterest income to average assets | 0.3285% | 5,108 |
| Noninterest expense to average assets | 2.3939% | 5,420 |
| Loan and lease loss provision to assets | 0.5133% | 1,144 |
| Net operating income to assets | 0.7375% | 3,564 |
| Return on assets (ROA) | 0.7392% | 3,805 |
| Pretax return on assets | 0.7392% | 4,524 |
| Return on Equity (ROE) | 7.6898% | 3,240 |
| Retained earnings to average equity (ytd only) | 4.2187% | 3,261 |
| Net charge-offs to loans | 0.8026% | 1,456 |
| Credit loss provision to net charge-offs | 137.6147% | 2,005 |
| Earnings coverage of net charge-offs (x) | 3.3532% | 3,765 |
| Efficiency ratio | 65.6808% | 4,565 |
| Assets per employee ($millions) | 5.0939% | 2,106 |
| Cash dividends to net income (ytd only)* | 45.1389% | 2,580 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9500% | 2,154 |
| Loan loss allowance to noncurrent loans | 30.4678% | 6,041 |
| Noncurrent assets plus other real estate owned to assets | 4.2868% | 978 |
| Noncurrent loans to loans | 6.4002% | 530 |
| Net loans and leases to total assets | 43.2531% | 5,886 |
| Net loans and leases to deposits | 48.1102% | 6,102 |
| Net loans and leases to core deposits | 51.7631% | 6,030 |
| Total domestic deposits to total assets | 89.9042% | 1,005 |
| Equity capital to assets | 10.0851% | 4,054 |
| Core capital (leverage) ratio | 9.1484% | 4,662 |
| Tier 1 risk-based capital ratio | 20.7034% | 1,524 |
| Total risk-based capital ratio | 21.9988% | 1,489 |
| Memoranda: | ||
| Average total assets | $58,440,000 | 5,960 |
| Average earning assets | $53,682,200 | 5,937 |
| Average equity | $5,617,800 | 6,119 |
| Average total loans | $27,161,400 | 6,072 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1871% | 4,860 |
| Cost of funding earning assets | 0.5369% | 5,189 |
| Net interest margin | 3.6501% | 4,006 |
| Noninterest income to average assets | 0.3432% | 5,066 |
| Noninterest expense to average assets | 2.4118% | 5,361 |
| Loan and lease loss provision to assets | 0.6436% | 819 |
| Net operating income to assets | 0.6346% | 4,217 |
| Return on assets (ROA) | 0.6368% | 4,456 |
| Pretax return on assets | 0.6368% | 5,061 |
| Return on Equity (ROE) | 6.7027% | 3,956 |
| Retained earnings to average equity (ytd only) | 4.5635% | 3,689 |
| Net charge-offs to loans | 1.0466% | 1,006 |
| Credit loss provision to net charge-offs | 130.7339% | 2,203 |
| Earnings coverage of net charge-offs (x) | 2.5963% | 4,001 |
| Efficiency ratio | 65.3611% | 4,568 |
| Assets per employee ($millions) | 4.8625% | 2,365 |
| Cash dividends to net income (ytd only)* | 31.9157% | 2,537 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7552% | 2,951 |
| Loan loss allowance to noncurrent loans | 31.5327% | 6,062 |
| Noncurrent assets plus other real estate owned to assets | 3.9434% | 1,227 |
| Noncurrent loans to loans | 5.5664% | 766 |
| Net loans and leases to total assets | 44.7969% | 5,894 |
| Net loans and leases to deposits | 49.7204% | 6,132 |
| Net loans and leases to core deposits | 53.6119% | 6,076 |
| Total domestic deposits to total assets | 90.0977% | 796 |
| Equity capital to assets | 9.7961% | 4,790 |
| Core capital (leverage) ratio | 8.6264% | 5,585 |
| Tier 1 risk-based capital ratio | 19.2286% | 1,938 |
| Total risk-based capital ratio | 20.4832% | 1,912 |
| Memoranda: | ||
| Average total assets | $59,041,750 | 6,010 |
| Average earning assets | $54,133,500 | 5,992 |
| Average equity | $5,609,500 | 6,188 |
| Average total loans | $27,772,250 | 6,121 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2839% | 4,631 |
| Cost of funding earning assets | 0.5744% | 5,122 |
| Net interest margin | 3.7095% | 3,775 |
| Noninterest income to average assets | 0.3442% | 5,085 |
| Noninterest expense to average assets | 2.3923% | 5,485 |
| Loan and lease loss provision to assets | 0.5905% | 1,015 |
| Net operating income to assets | 0.7390% | 3,650 |
| Return on assets (ROA) | 0.7423% | 3,914 |
| Pretax return on assets | 0.7423% | 4,692 |
| Return on Equity (ROE) | 7.8938% | 3,305 |
| Retained earnings to average equity (ytd only) | 4.6645% | 3,506 |
| Net charge-offs to loans | 0.3622% | 2,561 |
| Credit loss provision to net charge-offs | 343.1373% | 858 |
| Earnings coverage of net charge-offs (x) | 7.7255% | 2,429 |
| Efficiency ratio | 64.2792% | 4,847 |
| Assets per employee ($millions) | 5.0464% | 2,114 |
| Cash dividends to net income (ytd only)* | 40.9091% | 2,138 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8685% | 2,649 |
| Loan loss allowance to noncurrent loans | 34.9333% | 5,923 |
| Noncurrent assets plus other real estate owned to assets | 3.5603% | 1,491 |
| Noncurrent loans to loans | 5.3487% | 886 |
| Net loans and leases to total assets | 45.4448% | 5,871 |
| Net loans and leases to deposits | 50.1339% | 6,170 |
| Net loans and leases to core deposits | 54.1359% | 6,088 |
| Total domestic deposits to total assets | 90.6468% | 589 |
| Equity capital to assets | 9.2904% | 5,336 |
| Core capital (leverage) ratio | 8.6665% | 5,423 |
| Tier 1 risk-based capital ratio | 18.5550% | 2,115 |
| Total risk-based capital ratio | 19.8131% | 2,074 |
| Memoranda: | ||
| Average total assets | $59,272,330 | 6,042 |
| Average earning assets | $53,969,670 | 6,029 |
| Average equity | $5,574,000 | 6,223 |
| Average total loans | $28,161,000 | 6,144 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3684% | 4,451 |
| Cost of funding earning assets | 0.5805% | 5,281 |
| Net interest margin | 3.7879% | 3,449 |
| Noninterest income to average assets | 0.3070% | 5,430 |
| Noninterest expense to average assets | 2.3537% | 5,615 |
| Loan and lease loss provision to assets | 0.5117% | 1,177 |
| Net operating income to assets | 0.9142% | 2,853 |
| Return on assets (ROA) | 0.9142% | 3,070 |
| Pretax return on assets | 0.9142% | 3,984 |
| Return on Equity (ROE) | 9.6611% | 2,533 |
| Retained earnings to average equity (ytd only) | 3.1723% | 4,665 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2744% | 5,224 |
| Assets per employee ($millions) | 4.2266% | 3,524 |
| Cash dividends to net income (ytd only)* | 67.1642% | 1,042 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6707% | 3,461 |
| Loan loss allowance to noncurrent loans | 29.5398% | 6,202 |
| Noncurrent assets plus other real estate owned to assets | 3.7314% | 1,503 |
| Noncurrent loans to loans | 5.6556% | 927 |
| Net loans and leases to total assets | 47.2462% | 5,649 |
| Net loans and leases to deposits | 52.1275% | 5,958 |
| Net loans and leases to core deposits | 56.3797% | 5,874 |
| Total domestic deposits to total assets | 90.6359% | 727 |
| Equity capital to assets | 9.3134% | 5,078 |
| Core capital (leverage) ratio | 8.5626% | 5,495 |
| Tier 1 risk-based capital ratio | 18.1749% | 2,229 |
| Total risk-based capital ratio | 19.3921% | 2,214 |
| Memoranda: | ||
| Average total assets | $58,630,000 | 6,103 |
| Average earning assets | $53,750,000 | 6,072 |
| Average equity | $5,548,000 | 6,260 |
| Average total loans | $28,219,500 | 6,191 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7443% | 4,056 |
| Cost of funding earning assets | 0.6554% | 5,795 |
| Net interest margin | 4.0890% | 2,475 |
| Noninterest income to average assets | 0.2608% | 5,673 |
| Noninterest expense to average assets | 2.5238% | 5,386 |
| Loan and lease loss provision to assets | 0.1019% | 5,314 |
| Net operating income to assets | 1.3751% | 1,073 |
| Return on assets (ROA) | 1.3906% | 1,132 |
| Pretax return on assets | 1.3906% | 1,808 |
| Return on Equity (ROE) | 14.4836% | 830 |
| Retained earnings to average equity (ytd only) | 0.2699% | 5,705 |
| Net charge-offs to loans | 0.1066% | 5,294 |
| Credit loss provision to net charge-offs | 190.3226% | 1,346 |
| Earnings coverage of net charge-offs (x) | 27.5806% | 902 |
| Efficiency ratio | 63.0829% | 5,280 |
| Assets per employee ($millions) | 4.8406% | 2,392 |
| Cash dividends to net income (ytd only)* | 98.1366% | 372 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4282% | 4,341 |
| Loan loss allowance to noncurrent loans | 36.4631% | 5,812 |
| Noncurrent assets plus other real estate owned to assets | 2.9215% | 2,063 |
| Noncurrent loans to loans | 3.9169% | 1,601 |
| Net loans and leases to total assets | 47.5270% | 5,873 |
| Net loans and leases to deposits | 52.5948% | 6,164 |
| Net loans and leases to core deposits | 56.6309% | 6,115 |
| Total domestic deposits to total assets | 90.3645% | 782 |
| Equity capital to assets | 9.6149% | 4,721 |
| Core capital (leverage) ratio | 8.5687% | 5,447 |
| Tier 1 risk-based capital ratio | 17.9537% | 2,204 |
| Total risk-based capital ratio | 19.2390% | 2,168 |
| Memoranda: | ||
| Average total assets | $57,888,000 | 6,110 |
| Average earning assets | $52,947,200 | 6,082 |
| Average equity | $5,558,000 | 6,273 |
| Average total loans | $29,088,000 | 6,201 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7704% | 4,139 |
| Cost of funding earning assets | 0.6689% | 5,942 |
| Net interest margin | 4.1015% | 2,469 |
| Noninterest income to average assets | 0.2490% | 5,836 |
| Noninterest expense to average assets | 2.5611% | 5,229 |
| Loan and lease loss provision to assets | 0.0184% | 6,208 |
| Net operating income to assets | 1.4292% | 1,101 |
| Return on assets (ROA) | 1.4454% | 1,134 |
| Pretax return on assets | 1.4454% | 1,797 |
| Return on Equity (ROE) | 15.0593% | 832 |
| Retained earnings to average equity (ytd only) | 2.0896% | 5,095 |
| Net charge-offs to loans | 0.1635% | 4,477 |
| Credit loss provision to net charge-offs | 22.2222% | 5,529 |
| Earnings coverage of net charge-offs (x) | 17.4440% | 1,350 |
| Efficiency ratio | 63.8873% | 5,091 |
| Assets per employee ($millions) | 4.5997% | 2,758 |
| Cash dividends to net income (ytd only)* | 86.1241% | 499 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1994% | 5,470 |
| Loan loss allowance to noncurrent loans | 31.7930% | 6,145 |
| Noncurrent assets plus other real estate owned to assets | 2.8129% | 2,308 |
| Noncurrent loans to loans | 3.7727% | 1,797 |
| Net loans and leases to total assets | 47.3878% | 6,020 |
| Net loans and leases to deposits | 52.4828% | 6,331 |
| Net loans and leases to core deposits | 56.3755% | 6,287 |
| Total domestic deposits to total assets | 90.2920% | 724 |
| Equity capital to assets | 9.6010% | 4,933 |
| Core capital (leverage) ratio | 8.5965% | 5,558 |
| Tier 1 risk-based capital ratio | 17.8061% | 2,329 |
| Total risk-based capital ratio | 19.0202% | 2,313 |
| Memoranda: | ||
| Average total assets | $57,838,250 | 6,155 |
| Average earning assets | $53,019,750 | 6,129 |
| Average equity | $5,551,250 | 6,320 |
| Average total loans | $29,358,250 | 6,249 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8258% | 3,977 |
| Cost of funding earning assets | 0.6796% | 6,070 |
| Net interest margin | 4.1462% | 2,241 |
| Noninterest income to average assets | 0.2588% | 5,799 |
| Noninterest expense to average assets | 2.5671% | 5,300 |
| Loan and lease loss provision to assets | 0.0175% | 6,065 |
| Net operating income to assets | 1.4934% | 901 |
| Return on assets (ROA) | 1.5144% | 922 |
| Pretax return on assets | 1.5144% | 1,492 |
| Return on Equity (ROE) | 15.7799% | 690 |
| Retained earnings to average equity (ytd only) | 1.5671% | 5,199 |
| Net charge-offs to loans | 0.4665% | 2,712 |
| Credit loss provision to net charge-offs | 7.2464% | 5,275 |
| Earnings coverage of net charge-offs (x) | 6.2609% | 2,433 |
| Efficiency ratio | 62.9503% | 5,412 |
| Assets per employee ($millions) | 3.8088% | 4,178 |
| Cash dividends to net income (ytd only)* | 90.0693% | 598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0600% | 6,097 |
| Loan loss allowance to noncurrent loans | 29.1667% | 6,308 |
| Noncurrent assets plus other real estate owned to assets | 2.8986% | 2,320 |
| Noncurrent loans to loans | 3.6344% | 1,935 |
| Net loans and leases to total assets | 50.3186% | 5,779 |
| Net loans and leases to deposits | 55.8073% | 6,151 |
| Net loans and leases to core deposits | 60.1460% | 6,075 |
| Total domestic deposits to total assets | 90.1649% | 887 |
| Equity capital to assets | 9.7739% | 4,419 |
| Core capital (leverage) ratio | 8.8801% | 4,916 |
| Tier 1 risk-based capital ratio | 17.9447% | 2,195 |
| Total risk-based capital ratio | 19.0498% | 2,194 |
| Memoranda: | ||
| Average total assets | $57,185,670 | 6,230 |
| Average earning assets | $52,675,330 | 6,201 |
| Average equity | $5,488,000 | 6,371 |
| Average total loans | $29,584,330 | 6,305 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8352% | 3,892 |
| Cost of funding earning assets | 0.6951% | 6,164 |
| Net interest margin | 4.1401% | 2,120 |
| Noninterest income to average assets | 0.2587% | 5,827 |
| Noninterest expense to average assets | 2.5169% | 5,499 |
| Loan and lease loss provision to assets | 0.0140% | 5,737 |
| Net operating income to assets | 1.5591% | 762 |
| Return on assets (ROA) | 1.5591% | 800 |
| Pretax return on assets | 1.5591% | 1,283 |
| Return on Equity (ROE) | 16.3971% | 640 |
| Retained earnings to average equity (ytd only) | 0.9559% | 5,448 |
| Net charge-offs to loans | 0.9247% | 1,440 |
| Credit loss provision to net charge-offs | 2.8986% | 4,453 |
| Earnings coverage of net charge-offs (x) | 3.2609% | 2,799 |
| Efficiency ratio | 61.5385% | 5,752 |
| Assets per employee ($millions) | 4.0861% | 3,672 |
| Cash dividends to net income (ytd only)* | 94.1704% | 651 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0396% | 6,253 |
| Loan loss allowance to noncurrent loans | 28.0331% | 6,408 |
| Noncurrent assets plus other real estate owned to assets | 2.9508% | 2,345 |
| Noncurrent loans to loans | 3.7084% | 1,987 |
| Net loans and leases to total assets | 50.7543% | 5,742 |
| Net loans and leases to deposits | 56.1391% | 6,111 |
| Net loans and leases to core deposits | 60.4686% | 6,058 |
| Total domestic deposits to total assets | 90.4082% | 890 |
| Equity capital to assets | 9.5411% | 4,380 |
| Core capital (leverage) ratio | 8.7303% | 5,036 |
| Tier 1 risk-based capital ratio | 17.6579% | 2,228 |
| Total risk-based capital ratio | 18.7416% | 2,267 |
| Memoranda: | ||
| Average total assets | $57,212,500 | 6,280 |
| Average earning assets | $52,945,000 | 6,237 |
| Average equity | $5,440,000 | 6,404 |
| Average total loans | $29,848,500 | 6,343 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9903% | 4,610 |
| Cost of funding earning assets | 0.8163% | 6,498 |
| Net interest margin | 4.1740% | 2,282 |
| Noninterest income to average assets | 0.2448% | 6,046 |
| Noninterest expense to average assets | 2.4563% | 5,926 |
| Loan and lease loss provision to assets | 0.3055% | 4,357 |
| Net operating income to assets | 1.4061% | 941 |
| Return on assets (ROA) | 1.4183% | 982 |
| Pretax return on assets | 1.4183% | 1,606 |
| Return on Equity (ROE) | 14.8448% | 740 |
| Retained earnings to average equity (ytd only) | 6.6684% | 1,470 |
| Net charge-offs to loans | 0.2097% | 5,037 |
| Credit loss provision to net charge-offs | 288.5246% | 938 |
| Earnings coverage of net charge-offs (x) | 16.1639% | 1,230 |
| Efficiency ratio | 58.9338% | 6,211 |
| Assets per employee ($millions) | 4.0871% | 3,602 |
| Cash dividends to net income (ytd only)* | 55.0796% | 1,843 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2254% | 5,390 |
| Loan loss allowance to noncurrent loans | 24.0310% | 6,647 |
| Noncurrent assets plus other real estate owned to assets | 3.0706% | 2,299 |
| Noncurrent loans to loans | 5.0992% | 1,307 |
| Net loans and leases to total assets | 52.4048% | 5,861 |
| Net loans and leases to deposits | 57.9160% | 6,264 |
| Net loans and leases to core deposits | 63.3485% | 6,115 |
| Total domestic deposits to total assets | 90.4841% | 843 |
| Equity capital to assets | 9.4757% | 4,434 |
| Core capital (leverage) ratio | 8.4351% | 5,474 |
| Tier 1 risk-based capital ratio | 17.3066% | 2,228 |
| Total risk-based capital ratio | 18.5912% | 2,187 |
| Memoranda: | ||
| Average total assets | $57,605,800 | 6,285 |
| Average earning assets | $54,144,800 | 6,213 |
| Average equity | $5,503,600 | 6,505 |
| Average total loans | $29,083,200 | 6,442 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0277% | 4,685 |
| Cost of funding earning assets | 0.8167% | 6,704 |
| Net interest margin | 4.2110% | 2,185 |
| Noninterest income to average assets | 0.2496% | 6,105 |
| Noninterest expense to average assets | 2.5371% | 5,577 |
| Loan and lease loss provision to assets | 0.2911% | 4,249 |
| Net operating income to assets | 1.3887% | 1,129 |
| Return on assets (ROA) | 1.4049% | 1,163 |
| Pretax return on assets | 1.4049% | 1,866 |
| Return on Equity (ROE) | 14.6751% | 917 |
| Retained earnings to average equity (ytd only) | 9.6063% | 891 |
| Net charge-offs to loans | 0.2827% | 4,248 |
| Credit loss provision to net charge-offs | 206.5574% | 1,714 |
| Earnings coverage of net charge-offs (x) | 11.9182% | 1,741 |
| Efficiency ratio | 60.1644% | 5,923 |
| Assets per employee ($millions) | 3.9195% | 3,991 |
| Cash dividends to net income (ytd only)* | 34.5390% | 2,335 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0562% | 6,130 |
| Loan loss allowance to noncurrent loans | 20.6697% | 6,878 |
| Noncurrent assets plus other real estate owned to assets | 2.9987% | 2,421 |
| Noncurrent loans to loans | 5.1099% | 1,344 |
| Net loans and leases to total assets | 51.1472% | 6,205 |
| Net loans and leases to deposits | 56.7849% | 6,560 |
| Net loans and leases to core deposits | 61.9433% | 6,471 |
| Total domestic deposits to total assets | 90.0719% | 842 |
| Equity capital to assets | 9.8515% | 4,347 |
| Core capital (leverage) ratio | 8.4271% | 5,652 |
| Tier 1 risk-based capital ratio | 17.3747% | 2,215 |
| Total risk-based capital ratio | 18.4923% | 2,221 |
| Memoranda: | ||
| Average total assets | $57,702,250 | 6,362 |
| Average earning assets | $54,364,250 | 6,266 |
| Average equity | $5,524,000 | 6,583 |
| Average total loans | $28,764,500 | 6,543 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0513% | 4,698 |
| Cost of funding earning assets | 0.8079% | 6,883 |
| Net interest margin | 4.2434% | 1,996 |
| Noninterest income to average assets | 0.2546% | 6,088 |
| Noninterest expense to average assets | 2.5463% | 5,535 |
| Loan and lease loss provision to assets | 0.2825% | 4,139 |
| Net operating income to assets | 1.4196% | 1,060 |
| Return on assets (ROA) | 1.4441% | 1,072 |
| Pretax return on assets | 1.4441% | 1,712 |
| Return on Equity (ROE) | 15.2355% | 811 |
| Retained earnings to average equity (ytd only) | 7.5074% | 1,633 |
| Net charge-offs to loans | 0.4606% | 3,158 |
| Credit loss provision to net charge-offs | 124.6154% | 3,248 |
| Earnings coverage of net charge-offs (x) | 7.5077% | 2,289 |
| Efficiency ratio | 59.9343% | 6,057 |
| Assets per employee ($millions) | 3.8985% | 3,980 |
| Cash dividends to net income (ytd only)* | 50.7246% | 1,644 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9212% | 6,689 |
| Loan loss allowance to noncurrent loans | 25.0460% | 6,676 |
| Noncurrent assets plus other real estate owned to assets | 2.2163% | 3,241 |
| Noncurrent loans to loans | 3.6779% | 2,129 |
| Net loans and leases to total assets | 50.0299% | 6,429 |
| Net loans and leases to deposits | 55.3504% | 6,774 |
| Net loans and leases to core deposits | 60.3714% | 6,685 |
| Total domestic deposits to total assets | 90.3877% | 727 |
| Equity capital to assets | 9.5542% | 4,629 |
| Core capital (leverage) ratio | 8.3430% | 5,684 |
| Tier 1 risk-based capital ratio | 16.9159% | 2,317 |
| Total risk-based capital ratio | 17.8753% | 2,381 |
| Memoranda: | ||
| Average total assets | $57,338,670 | 6,422 |
| Average earning assets | $53,966,000 | 6,325 |
| Average equity | $5,434,670 | 6,639 |
| Average total loans | $28,222,000 | 6,618 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1000% | 4,526 |
| Cost of funding earning assets | 0.8037% | 7,077 |
| Net interest margin | 4.2964% | 1,700 |
| Noninterest income to average assets | 0.2818% | 5,888 |
| Noninterest expense to average assets | 2.5225% | 5,645 |
| Loan and lease loss provision to assets | 0.0211% | 6,437 |
| Net operating income to assets | 1.7686% | 530 |
| Return on assets (ROA) | 1.7967% | 548 |
| Pretax return on assets | 1.7967% | 879 |
| Return on Equity (ROE) | 19.0352% | 437 |
| Retained earnings to average equity (ytd only) | 19.0352% | 212 |
| Net charge-offs to loans | -0.0290% | 7,182 |
| Credit loss provision to net charge-offs | -150.0000% | 6,099 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.4967% | 6,410 |
| Assets per employee ($millions) | 3.5644% | 4,900 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9331% | 6,730 |
| Loan loss allowance to noncurrent loans | 42.2830% | 5,536 |
| Noncurrent assets plus other real estate owned to assets | 1.0906% | 4,964 |
| Noncurrent loans to loans | 2.2068% | 3,517 |
| Net loans and leases to total assets | 48.9611% | 6,582 |
| Net loans and leases to deposits | 54.2120% | 6,903 |
| Net loans and leases to core deposits | 59.0139% | 6,813 |
| Total domestic deposits to total assets | 90.3140% | 821 |
| Equity capital to assets | 9.6439% | 4,314 |
| Core capital (leverage) ratio | 8.6506% | 5,112 |
| Tier 1 risk-based capital ratio | 17.8865% | 1,974 |
| Total risk-based capital ratio | 18.8573% | 2,022 |
| Memoranda: | ||
| Average total assets | $56,769,500 | 6,512 |
| Average earning assets | $53,254,500 | 6,425 |
| Average equity | $5,358,500 | 6,720 |
| Average total loans | $27,569,000 | 6,747 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8852% | 6,746 |
| Cost of funding earning assets | 0.7738% | 7,592 |
| Net interest margin | 4.1114% | 2,402 |
| Noninterest income to average assets | 0.2831% | 6,079 |
| Noninterest expense to average assets | 2.5328% | 6,019 |
| Loan and lease loss provision to assets | 0.1794% | 5,908 |
| Net operating income to assets | 1.4532% | 752 |
| Return on assets (ROA) | 1.5240% | 683 |
| Pretax return on assets | 1.5240% | 1,128 |
| Return on Equity (ROE) | 17.4704% | 410 |
| Retained earnings to average equity (ytd only) | -4.2261% | 5,905 |
| Net charge-offs to loans | 0.0399% | 6,715 |
| Credit loss provision to net charge-offs | 1,090.0000% | 272 |
| Earnings coverage of net charge-offs (x) | 99.2000% | 279 |
| Efficiency ratio | 60.8060% | 6,358 |
| Assets per employee ($millions) | 3.3240% | 5,443 |
| Cash dividends to net income (ytd only)* | 124.1901% | 383 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9535% | 6,623 |
| Loan loss allowance to noncurrent loans | 106.1983% | 2,654 |
| Noncurrent assets plus other real estate owned to assets | 0.4283% | 6,391 |
| Noncurrent loans to loans | 0.8979% | 5,517 |
| Net loans and leases to total assets | 47.2411% | 6,875 |
| Net loans and leases to deposits | 52.0553% | 7,153 |
| Net loans and leases to core deposits | 59.2932% | 7,290 |
| Total domestic deposits to total assets | 90.7518% | 637 |
| Equity capital to assets | 9.2323% | 4,799 |
| Core capital (leverage) ratio | 8.1861% | 5,839 |
| Tier 1 risk-based capital ratio | 16.7628% | 2,216 |
| Total risk-based capital ratio | 17.7012% | 2,287 |
| Memoranda: | ||
| Average total assets | $60,761,800 | 6,318 |
| Average earning assets | $57,377,400 | 6,237 |
| Average equity | $5,300,400 | 6,833 |
| Average total loans | $25,082,200 | 6,907 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8210% | 7,077 |
| Cost of funding earning assets | 0.7697% | 7,736 |
| Net interest margin | 4.0513% | 2,595 |
| Noninterest income to average assets | 0.2847% | 6,195 |
| Noninterest expense to average assets | 2.5404% | 5,936 |
| Loan and lease loss provision to assets | 0.2329% | 5,110 |
| Net operating income to assets | 1.3478% | 1,127 |
| Return on assets (ROA) | 1.4406% | 1,000 |
| Pretax return on assets | 1.4406% | 1,589 |
| Return on Equity (ROE) | 16.7374% | 574 |
| Retained earnings to average equity (ytd only) | -0.8019% | 5,437 |
| Net charge-offs to loans | 0.0650% | 6,041 |
| Credit loss provision to net charge-offs | 900.0000% | 417 |
| Earnings coverage of net charge-offs (x) | 61.0819% | 540 |
| Efficiency ratio | 61.6431% | 6,174 |
| Assets per employee ($millions) | 3.6318% | 4,603 |
| Cash dividends to net income (ytd only)* | 104.7909% | 518 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9716% | 6,433 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 43.1490% | 7,306 |
| Net loans and leases to deposits | 47.6419% | 7,510 |
| Net loans and leases to core deposits | 52.2997% | 7,639 |
| Total domestic deposits to total assets | 90.5693% | 557 |
| Equity capital to assets | 9.3567% | 4,943 |
| Core capital (leverage) ratio | 8.2702% | 5,880 |
| Tier 1 risk-based capital ratio | 18.2338% | 1,926 |
| Total risk-based capital ratio | 19.1714% | 1,962 |
| Memoranda: | ||
| Average total assets | $61,825,250 | 6,316 |
| Average earning assets | $58,547,750 | 6,236 |
| Average equity | $5,321,250 | 6,899 |
| Average total loans | $24,614,750 | 7,000 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7575% | 7,299 |
| Cost of funding earning assets | 0.7912% | 7,830 |
| Net interest margin | 3.9662% | 2,839 |
| Noninterest income to average assets | 0.2823% | 6,245 |
| Noninterest expense to average assets | 2.5212% | 6,048 |
| Loan and lease loss provision to assets | 0.2981% | 4,178 |
| Net operating income to assets | 1.2146% | 1,440 |
| Return on assets (ROA) | 1.3510% | 1,193 |
| Pretax return on assets | 1.3510% | 1,871 |
| Return on Equity (ROE) | 16.1282% | 676 |
| Retained earnings to average equity (ytd only) | 2.8773% | 3,727 |
| Net charge-offs to loans | 0.0984% | 5,185 |
| Credit loss provision to net charge-offs | 783.3333% | 600 |
| Earnings coverage of net charge-offs (x) | 39.7500% | 813 |
| Efficiency ratio | 62.5000% | 6,167 |
| Assets per employee ($millions) | 3.4754% | 4,878 |
| Cash dividends to net income (ytd only)* | 82.1596% | 1,039 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9179% | 6,694 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2065% | 6,990 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 42.3885% | 7,429 |
| Net loans and leases to deposits | 46.4414% | 7,619 |
| Net loans and leases to core deposits | 48.4485% | 7,790 |
| Total domestic deposits to total assets | 91.2731% | 382 |
| Equity capital to assets | 8.6879% | 5,773 |
| Core capital (leverage) ratio | 7.9870% | 6,355 |
| Tier 1 risk-based capital ratio | 18.5849% | 1,862 |
| Total risk-based capital ratio | 19.4665% | 1,901 |
| Memoranda: | ||
| Average total assets | $63,064,330 | 6,327 |
| Average earning assets | $59,653,670 | 6,244 |
| Average equity | $5,282,670 | 6,972 |
| Average total loans | $24,380,000 | 7,060 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6887% | 7,519 |
| Cost of funding earning assets | 0.7923% | 7,917 |
| Net interest margin | 3.8965% | 3,054 |
| Noninterest income to average assets | 0.2767% | 6,208 |
| Noninterest expense to average assets | 2.2442% | 6,712 |
| Loan and lease loss provision to assets | 0.4980% | 2,476 |
| Net operating income to assets | 1.2236% | 1,584 |
| Return on assets (ROA) | 1.2482% | 1,620 |
| Pretax return on assets | 1.2482% | 2,460 |
| Return on Equity (ROE) | 15.1563% | 953 |
| Retained earnings to average equity (ytd only) | -10.9753% | 7,202 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.5891% | 6,882 |
| Assets per employee ($millions) | 3.7536% | 4,219 |
| Cash dividends to net income (ytd only)* | 172.4138% | 374 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9457% | 6,525 |
| Loan loss allowance to noncurrent loans | 138.3234% | 2,312 |
| Noncurrent assets plus other real estate owned to assets | 0.4670% | 6,084 |
| Noncurrent loans to loans | 0.6837% | 5,695 |
| Net loans and leases to total assets | 37.9176% | 7,665 |
| Net loans and leases to deposits | 41.3444% | 7,799 |
| Net loans and leases to core deposits | 43.1817% | 7,919 |
| Total domestic deposits to total assets | 91.7116% | 224 |
| Equity capital to assets | 8.2430% | 6,475 |
| Core capital (leverage) ratio | 7.1502% | 7,524 |
| Tier 1 risk-based capital ratio | 17.2054% | 2,267 |
| Total risk-based capital ratio | 18.0568% | 2,333 |
| Memoranda: | ||
| Average total assets | $65,055,500 | 6,286 |
| Average earning assets | $61,594,500 | 6,191 |
| Average equity | $5,357,500 | 6,984 |
| Average total loans | $23,932,000 | 7,135 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6931% | 6,801 |
| Cost of funding earning assets | 1.4798% | 7,640 |
| Net interest margin | 4.2133% | 2,265 |
| Noninterest income to average assets | 0.2982% | 6,328 |
| Noninterest expense to average assets | 2.4493% | 6,208 |
| Loan and lease loss provision to assets | 0.0302% | 7,024 |
| Net operating income to assets | 1.7541% | 600 |
| Return on assets (ROA) | 1.8529% | 473 |
| Pretax return on assets | 1.8529% | 847 |
| Return on Equity (ROE) | 24.6205% | 149 |
| Retained earnings to average equity (ytd only) | 11.2640% | 294 |
| Net charge-offs to loans | 0.0945% | 5,383 |
| Credit loss provision to net charge-offs | 81.8182% | 5,863 |
| Earnings coverage of net charge-offs (x) | 48.4091% | 777 |
| Efficiency ratio | 57.8552% | 6,725 |
| Assets per employee ($millions) | 4.1437% | 3,223 |
| Cash dividends to net income (ytd only)* | 54.2495% | 2,920 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6400% | 7,576 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2112% | 6,726 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 35.1242% | 7,861 |
| Net loans and leases to deposits | 38.2922% | 7,971 |
| Net loans and leases to core deposits | 39.9413% | 8,055 |
| Total domestic deposits to total assets | 91.7269% | 175 |
| Equity capital to assets | 8.2279% | 6,510 |
| Core capital (leverage) ratio | 7.6321% | 7,030 |
| Tier 1 risk-based capital ratio | 18.3951% | 1,939 |
| Total risk-based capital ratio | 18.9683% | 2,053 |
| Memoranda: | ||
| Average total assets | $59,689,800 | 6,391 |
| Average earning assets | $55,751,800 | 6,346 |
| Average equity | $4,492,200 | 7,335 |
| Average total loans | $23,277,600 | 7,123 |