Home > First Progressive Bank > Performance and Condition Ratios
First Progressive Bank, Performance and Condition Ratios
| 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 | 3.4065% | 4,425 |
| Cost of funding earning assets | 0.0530% | 4,398 |
| Net interest margin | 3.3535% | 2,386 |
| Noninterest income to average assets | 0.0500% | 4,366 |
| Noninterest expense to average assets | 2.2893% | 2,897 |
| Loan and lease loss provision to assets | 0.0500% | 2,169 |
| Net operating income to assets | 0.4572% | 3,573 |
| Return on assets (ROA) | 0.4572% | 3,590 |
| Pretax return on assets | 0.5935% | 3,470 |
| Return on Equity (ROE) | 1.7400% | 4,022 |
| Retained earnings to average equity (ytd only) | 1.7392% | 3,470 |
| Net charge-offs to loans | 0.0000% | 3,099 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 78.1799% | 1,189 |
| Assets per employee ($millions) | 5.4418% | 3,336 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1505% | 2,418 |
| Loan loss allowance to noncurrent loans | 123.2323% | 2,750 |
| Noncurrent assets plus other real estate owned to assets | 0.3032% | 2,026 |
| Noncurrent loans to loans | 0.9336% | 1,072 |
| Net loans and leases to total assets | 32.1000% | 4,191 |
| Net loans and leases to deposits | 43.8981% | 4,071 |
| Net loans and leases to core deposits | 46.4134% | 4,080 |
| Total domestic deposits to total assets | 73.1300% | 4,104 |
| Equity capital to assets | 26.8506% | 176 |
| Core capital (leverage) ratio | 26.8976% | 138 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $33,023,800 | 4,348 |
| Average earning assets | $28,299,200 | 4,331 |
| Average equity | $8,682,200 | 3,904 |
| Average total loans | $10,509,200 | 4,324 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4181% | 4,457 |
| Cost of funding earning assets | 0.0519% | 4,438 |
| Net interest margin | 3.3662% | 2,306 |
| Noninterest income to average assets | 0.0600% | 4,350 |
| Noninterest expense to average assets | 2.2465% | 2,961 |
| Loan and lease loss provision to assets | 0.0700% | 1,666 |
| Net operating income to assets | 0.4751% | 3,519 |
| Return on assets (ROA) | 0.4751% | 3,557 |
| Pretax return on assets | 0.6200% | 3,433 |
| Return on Equity (ROE) | 1.8200% | 4,041 |
| Retained earnings to average equity (ytd only) | 1.8165% | 3,508 |
| Net charge-offs to loans | 0.0000% | 2,849 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 76.5432% | 1,351 |
| Assets per employee ($millions) | 5.4607% | 3,312 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1831% | 2,305 |
| Loan loss allowance to noncurrent loans | 86.1111% | 3,160 |
| Noncurrent assets plus other real estate owned to assets | 0.4395% | 1,563 |
| Noncurrent loans to loans | 1.3739% | 722 |
| Net loans and leases to total assets | 31.6100% | 4,233 |
| Net loans and leases to deposits | 43.1075% | 4,128 |
| Net loans and leases to core deposits | 45.5613% | 4,135 |
| Total domestic deposits to total assets | 73.3300% | 4,095 |
| Equity capital to assets | 26.6543% | 169 |
| Core capital (leverage) ratio | 26.5812% | 140 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $33,117,000 | 4,373 |
| Average earning assets | $28,280,250 | 4,363 |
| Average equity | $8,661,000 | 3,920 |
| Average total loans | $10,485,500 | 4,349 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4357% | 4,467 |
| Cost of funding earning assets | 0.0493% | 4,450 |
| Net interest margin | 3.3864% | 2,210 |
| Noninterest income to average assets | 0.0500% | 4,400 |
| Noninterest expense to average assets | 2.3229% | 2,729 |
| Loan and lease loss provision to assets | 0.1600% | 715 |
| Net operating income to assets | 0.3671% | 3,728 |
| Return on assets (ROA) | 0.3671% | 3,765 |
| Pretax return on assets | 0.4694% | 3,685 |
| Return on Equity (ROE) | 1.4100% | 4,095 |
| Retained earnings to average equity (ytd only) | 1.4125% | 3,505 |
| Net charge-offs to loans | 0.0000% | 2,619 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 78.7755% | 1,225 |
| Assets per employee ($millions) | 5.4968% | 3,216 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2373% | 2,050 |
| Loan loss allowance to noncurrent loans | 164.1975% | 2,545 |
| Noncurrent assets plus other real estate owned to assets | 0.2456% | 2,198 |
| Noncurrent loans to loans | 0.7536% | 1,236 |
| Net loans and leases to total assets | 32.1900% | 4,230 |
| Net loans and leases to deposits | 43.6926% | 4,122 |
| Net loans and leases to core deposits | 46.1505% | 4,121 |
| Total domestic deposits to total assets | 73.6700% | 4,092 |
| Equity capital to assets | 26.3091% | 172 |
| Core capital (leverage) ratio | 26.1963% | 140 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $33,234,667 | 4,394 |
| Average earning assets | $28,408,000 | 4,383 |
| Average equity | $8,637,000 | 3,906 |
| Average total loans | $10,487,000 | 4,369 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3395% | 4,498 |
| Cost of funding earning assets | 0.0561% | 4,477 |
| Net interest margin | 3.2834% | 2,376 |
| Noninterest income to average assets | 0.0500% | 4,395 |
| Noninterest expense to average assets | 2.5538% | 2,097 |
| Loan and lease loss provision to assets | 0.2500% | 381 |
| Net operating income to assets | 0.0480% | 4,177 |
| Return on assets (ROA) | 0.0480% | 4,214 |
| Pretax return on assets | 0.0480% | 4,206 |
| Return on Equity (ROE) | 0.1900% | 4,234 |
| Retained earnings to average equity (ytd only) | 0.1857% | 3,661 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 89.4958% | 614 |
| Assets per employee ($millions) | 5.5853% | 3,185 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1928% | 2,318 |
| Loan loss allowance to noncurrent loans | 156.0976% | 2,684 |
| Noncurrent assets plus other real estate owned to assets | 0.2447% | 2,136 |
| Noncurrent loans to loans | 0.7641% | 1,168 |
| Net loans and leases to total assets | 31.6400% | 4,251 |
| Net loans and leases to deposits | 42.6046% | 4,127 |
| Net loans and leases to core deposits | 44.9413% | 4,176 |
| Total domestic deposits to total assets | 74.2600% | 4,112 |
| Equity capital to assets | 25.7191% | 182 |
| Core capital (leverage) ratio | 25.9086% | 148 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $33,361,500 | 4,424 |
| Average earning assets | $28,507,000 | 4,412 |
| Average equity | $8,617,000 | 3,926 |
| Average total loans | $10,356,000 | 4,396 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2292% | 4,475 |
| Cost of funding earning assets | 0.0563% | 4,498 |
| Net interest margin | 3.1729% | 2,937 |
| Noninterest income to average assets | 0.0400% | 4,460 |
| Noninterest expense to average assets | 2.2269% | 3,051 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.4299% | 3,808 |
| Return on assets (ROA) | 0.4299% | 3,808 |
| Pretax return on assets | 0.5105% | 3,789 |
| Return on Equity (ROE) | 1.6800% | 4,185 |
| Retained earnings to average equity (ytd only) | 1.6848% | 3,656 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 81.3522% | 821 |
| Assets per employee ($millions) | 5.5352% | 3,217 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0720% | 2,971 |
| Loan loss allowance to noncurrent loans | 130.4878% | 3,015 |
| Noncurrent assets plus other real estate owned to assets | 0.2469% | 1,974 |
| Noncurrent loans to loans | 0.8216% | 938 |
| Net loans and leases to total assets | 29.7300% | 4,297 |
| Net loans and leases to deposits | 40.1545% | 4,199 |
| Net loans and leases to core deposits | 42.3850% | 4,240 |
| Total domestic deposits to total assets | 74.0400% | 4,101 |
| Equity capital to assets | 25.9402% | 184 |
| Core capital (leverage) ratio | 25.9856% | 152 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $33,499,400 | 4,442 |
| Average earning assets | $28,428,000 | 4,426 |
| Average equity | $8,547,200 | 3,871 |
| Average total loans | $9,745,000 | 4,415 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2046% | 4,480 |
| Cost of funding earning assets | 0.0562% | 4,522 |
| Net interest margin | 3.1483% | 3,029 |
| Noninterest income to average assets | 0.0500% | 4,454 |
| Noninterest expense to average assets | 2.1804% | 3,131 |
| Loan and lease loss provision to assets | 0.0700% | 1,559 |
| Net operating income to assets | 0.3813% | 3,997 |
| Return on assets (ROA) | 0.3813% | 3,993 |
| Pretax return on assets | 0.4607% | 3,975 |
| Return on Equity (ROE) | 1.5000% | 4,260 |
| Retained earnings to average equity (ytd only) | 1.5005% | 3,843 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 80.2632% | 842 |
| Assets per employee ($millions) | 5.6063% | 3,097 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1359% | 2,694 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 28.7200% | 4,335 |
| Net loans and leases to deposits | 38.5653% | 4,240 |
| Net loans and leases to core deposits | 40.6659% | 4,244 |
| Total domestic deposits to total assets | 74.4700% | 4,129 |
| Equity capital to assets | 25.5128% | 190 |
| Core capital (leverage) ratio | 25.6961% | 153 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $33,571,500 | 4,466 |
| Average earning assets | $28,458,750 | 4,450 |
| Average equity | $8,530,250 | 3,876 |
| Average total loans | $9,686,000 | 4,440 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1779% | 4,502 |
| Cost of funding earning assets | 0.0565% | 4,545 |
| Net interest margin | 3.1214% | 3,170 |
| Noninterest income to average assets | 0.0500% | 4,489 |
| Noninterest expense to average assets | 2.2415% | 2,969 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.4113% | 3,986 |
| Return on assets (ROA) | 0.4113% | 3,989 |
| Pretax return on assets | 0.4411% | 4,055 |
| Return on Equity (ROE) | 1.6200% | 4,310 |
| Retained earnings to average equity (ytd only) | 1.6211% | 3,799 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 83.5556% | 619 |
| Assets per employee ($millions) | 5.6072% | 3,057 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9115% | 3,744 |
| Loan loss allowance to noncurrent loans | 541.1765% | 1,476 |
| Noncurrent assets plus other real estate owned to assets | 0.0505% | 3,273 |
| Noncurrent loans to loans | 0.1684% | 2,636 |
| Net loans and leases to total assets | 29.7300% | 4,337 |
| Net loans and leases to deposits | 39.8780% | 4,218 |
| Net loans and leases to core deposits | 42.0475% | 4,212 |
| Total domestic deposits to total assets | 74.5400% | 4,154 |
| Equity capital to assets | 25.4288% | 192 |
| Core capital (leverage) ratio | 25.4932% | 155 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $33,549,333 | 4,492 |
| Average earning assets | $28,320,333 | 4,480 |
| Average equity | $8,513,000 | 3,901 |
| Average total loans | $9,657,333 | 4,471 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0784% | 4,539 |
| Cost of funding earning assets | 0.0570% | 4,569 |
| Net interest margin | 3.0214% | 3,548 |
| Noninterest income to average assets | 0.0800% | 4,443 |
| Noninterest expense to average assets | 2.4356% | 2,418 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.1791% | 4,377 |
| Return on assets (ROA) | 0.1791% | 4,347 |
| Pretax return on assets | 0.1791% | 4,358 |
| Return on Equity (ROE) | 0.7100% | 4,396 |
| Retained earnings to average equity (ytd only) | 0.7065% | 3,908 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 93.1507% | 279 |
| Assets per employee ($millions) | 4.7783% | 3,812 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9572% | 3,690 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 28.4600% | 4,398 |
| Net loans and leases to deposits | 38.1600% | 4,274 |
| Net loans and leases to core deposits | 40.2478% | 4,264 |
| Total domestic deposits to total assets | 74.5800% | 4,258 |
| Equity capital to assets | 25.4066% | 149 |
| Core capital (leverage) ratio | 25.4142% | 156 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $33,502,500 | 4,555 |
| Average earning assets | $28,066,500 | 4,548 |
| Average equity | $8,492,000 | 3,953 |
| Average total loans | $9,439,500 | 4,539 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6758% | 4,418 |
| Cost of funding earning assets | 0.0603% | 4,546 |
| Net interest margin | 2.6155% | 4,155 |
| Noninterest income to average assets | 0.0600% | 4,553 |
| Noninterest expense to average assets | 2.1409% | 3,192 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.1228% | 4,496 |
| Return on assets (ROA) | 0.1228% | 4,485 |
| Pretax return on assets | 0.1228% | 4,495 |
| Return on Equity (ROE) | 0.4800% | 4,519 |
| Retained earnings to average equity (ytd only) | 0.4847% | 4,276 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 94.5767% | 221 |
| Assets per employee ($millions) | 4.7939% | 3,820 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9927% | 3,430 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 27.3400% | 4,453 |
| Net loans and leases to deposits | 36.6044% | 4,327 |
| Net loans and leases to core deposits | 38.5968% | 4,318 |
| Total domestic deposits to total assets | 74.7000% | 4,331 |
| Equity capital to assets | 25.2883% | 146 |
| Core capital (leverage) ratio | 25.2177% | 159 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $33,396,600 | 4,588 |
| Average earning assets | $28,178,200 | 4,579 |
| Average equity | $8,458,200 | 4,054 |
| Average total loans | $8,854,800 | 4,579 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5992% | 4,393 |
| Cost of funding earning assets | 0.0567% | 4,542 |
| Net interest margin | 2.5425% | 4,175 |
| Noninterest income to average assets | 0.0500% | 4,607 |
| Noninterest expense to average assets | 2.1265% | 3,145 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.0719% | 4,560 |
| Return on assets (ROA) | 0.0719% | 4,533 |
| Pretax return on assets | 0.0719% | 4,529 |
| Return on Equity (ROE) | 0.2800% | 4,544 |
| Retained earnings to average equity (ytd only) | 0.2840% | 4,297 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 96.7273% | 192 |
| Assets per employee ($millions) | 4.8309% | 3,819 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0456% | 3,276 |
| Loan loss allowance to noncurrent loans | 88.4615% | 3,468 |
| Noncurrent assets plus other real estate owned to assets | 0.3075% | 1,715 |
| Noncurrent loans to loans | 1.1820% | 622 |
| Net loans and leases to total assets | 25.7500% | 4,516 |
| Net loans and leases to deposits | 34.3485% | 4,413 |
| Net loans and leases to core deposits | 36.1962% | 4,400 |
| Total domestic deposits to total assets | 74.9600% | 4,413 |
| Equity capital to assets | 25.0296% | 140 |
| Core capital (leverage) ratio | 24.9897% | 152 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $33,356,500 | 4,621 |
| Average earning assets | $28,212,750 | 4,615 |
| Average equity | $8,451,250 | 4,100 |
| Average total loans | $8,751,500 | 4,615 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5083% | 4,366 |
| Cost of funding earning assets | 0.0567% | 4,551 |
| Net interest margin | 2.4516% | 4,156 |
| Noninterest income to average assets | 0.0542% | 4,619 |
| Noninterest expense to average assets | 2.1865% | 2,903 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | -0.0482% | 4,598 |
| Return on assets (ROA) | -0.0482% | 4,567 |
| Pretax return on assets | -0.0482% | 4,555 |
| Return on Equity (ROE) | -0.1894% | 4,555 |
| Retained earnings to average equity (ytd only) | -0.1894% | 4,204 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.2535% | 170 |
| Assets per employee ($millions) | 4.3001% | 4,206 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0287% | 3,476 |
| Loan loss allowance to noncurrent loans | 153.3333% | 2,987 |
| Noncurrent assets plus other real estate owned to assets | 0.1744% | 2,486 |
| Noncurrent loans to loans | 0.6709% | 1,282 |
| Net loans and leases to total assets | 25.7289% | 4,569 |
| Net loans and leases to deposits | 34.0974% | 4,445 |
| Net loans and leases to core deposits | 35.8863% | 4,440 |
| Total domestic deposits to total assets | 75.4571% | 4,484 |
| Equity capital to assets | 24.5254% | 99 |
| Core capital (leverage) ratio | 25.6016% | 99 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $33,203,333 | 4,659 |
| Average earning assets | $28,226,667 | 4,663 |
| Average equity | $8,447,000 | 4,156 |
| Average total loans | $8,735,667 | 4,682 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5558% | 4,190 |
| Cost of funding earning assets | 0.0574% | 4,546 |
| Net interest margin | 2.4984% | 3,910 |
| Noninterest income to average assets | 0.0613% | 4,632 |
| Noninterest expense to average assets | 2.0243% | 3,375 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.1718% | 4,371 |
| Return on assets (ROA) | 0.1718% | 4,341 |
| Pretax return on assets | 0.1718% | 4,359 |
| Return on Equity (ROE) | 0.6626% | 4,467 |
| Retained earnings to average equity (ytd only) | 0.6626% | 3,885 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.1788% | 457 |
| Assets per employee ($millions) | 4.1300% | 4,343 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0652% | 3,471 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 25.8626% | 4,569 |
| Net loans and leases to deposits | 34.7697% | 4,431 |
| Net loans and leases to core deposits | 36.7022% | 4,407 |
| Total domestic deposits to total assets | 74.3826% | 4,562 |
| Equity capital to assets | 25.6023% | 86 |
| Core capital (leverage) ratio | 26.4080% | 81 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $32,604,500 | 4,687 |
| Average earning assets | $27,858,000 | 4,689 |
| Average equity | $8,452,000 | 4,218 |
| Average total loans | $8,632,000 | 4,706 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3557% | 4,560 |
| Cost of funding earning assets | 0.0531% | 4,673 |
| Net interest margin | 2.3026% | 4,409 |
| Noninterest income to average assets | 0.0499% | 4,726 |
| Noninterest expense to average assets | 2.1344% | 3,289 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | -0.0655% | 4,697 |
| Return on assets (ROA) | -0.0655% | 4,704 |
| Pretax return on assets | -0.0562% | 4,702 |
| Return on Equity (ROE) | -0.2485% | 4,699 |
| Retained earnings to average equity (ytd only) | -0.2485% | 4,523 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.7027% | 128 |
| Assets per employee ($millions) | 4.5956% | 4,042 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0664% | 3,492 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 26.5318% | 4,611 |
| Net loans and leases to deposits | 35.9808% | 4,476 |
| Net loans and leases to core deposits | 38.0568% | 4,458 |
| Total domestic deposits to total assets | 73.7387% | 4,594 |
| Equity capital to assets | 26.2520% | 83 |
| Core capital (leverage) ratio | 26.2928% | 84 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $32,046,400 | 4,731 |
| Average earning assets | $28,229,000 | 4,726 |
| Average equity | $8,450,200 | 4,297 |
| Average total loans | $8,978,200 | 4,743 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3620% | 4,647 |
| Cost of funding earning assets | 0.0518% | 4,771 |
| Net interest margin | 2.3102% | 4,484 |
| Noninterest income to average assets | 0.0458% | 4,809 |
| Noninterest expense to average assets | 2.1239% | 3,295 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | -0.0458% | 4,757 |
| Return on assets (ROA) | -0.0458% | 4,767 |
| Pretax return on assets | -0.0333% | 4,763 |
| Return on Equity (ROE) | -0.1735% | 4,761 |
| Retained earnings to average equity (ytd only) | -0.1735% | 4,580 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.5936% | 144 |
| Assets per employee ($millions) | 4.6004% | 4,047 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0500% | 3,662 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 26.9230% | 4,683 |
| Net loans and leases to deposits | 36.5099% | 4,563 |
| Net loans and leases to core deposits | 38.6140% | 4,555 |
| Total domestic deposits to total assets | 73.7416% | 4,650 |
| Equity capital to assets | 26.2553% | 85 |
| Core capital (leverage) ratio | 26.3322% | 85 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $32,015,750 | 4,802 |
| Average earning assets | $28,337,250 | 4,796 |
| Average equity | $8,451,500 | 4,355 |
| Average total loans | $9,066,000 | 4,811 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3455% | 4,700 |
| Cost of funding earning assets | 0.0563% | 4,798 |
| Net interest margin | 2.2891% | 4,527 |
| Noninterest income to average assets | 0.0438% | 4,850 |
| Noninterest expense to average assets | 2.2408% | 2,953 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | -0.1502% | 4,818 |
| Return on assets (ROA) | -0.1502% | 4,825 |
| Pretax return on assets | -0.1627% | 4,825 |
| Return on Equity (ROE) | -0.5680% | 4,803 |
| Retained earnings to average equity (ytd only) | -0.5680% | 4,570 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 107.8313% | 109 |
| Assets per employee ($millions) | 4.5990% | 4,018 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0517% | 3,615 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 26.8878% | 4,731 |
| Net loans and leases to deposits | 36.4540% | 4,620 |
| Net loans and leases to core deposits | 38.5551% | 4,611 |
| Total domestic deposits to total assets | 73.7583% | 4,663 |
| Equity capital to assets | 26.2231% | 84 |
| Core capital (leverage) ratio | 26.3607% | 80 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $31,953,333 | 4,835 |
| Average earning assets | $28,395,333 | 4,825 |
| Average equity | $8,450,333 | 4,376 |
| Average total loans | $9,167,333 | 4,847 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3646% | 4,733 |
| Cost of funding earning assets | 0.0560% | 4,840 |
| Net interest margin | 2.3086% | 4,513 |
| Noninterest income to average assets | 0.0377% | 4,875 |
| Noninterest expense to average assets | 2.4000% | 2,488 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | -0.2890% | 4,862 |
| Return on assets (ROA) | -0.2890% | 4,866 |
| Pretax return on assets | -0.2890% | 4,853 |
| Return on Equity (ROE) | -1.0882% | 4,828 |
| Retained earnings to average equity (ytd only) | -1.0882% | 4,470 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 113.6905% | 94 |
| Assets per employee ($millions) | 4.5631% | 4,046 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0132% | 3,792 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 28.1385% | 4,745 |
| Net loans and leases to deposits | 38.2598% | 4,615 |
| Net loans and leases to core deposits | 40.4901% | 4,607 |
| Total domestic deposits to total assets | 73.5458% | 4,687 |
| Equity capital to assets | 26.4323% | 81 |
| Core capital (leverage) ratio | 26.5003% | 81 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $31,833,500 | 4,858 |
| Average earning assets | $28,588,500 | 4,853 |
| Average equity | $8,454,500 | 4,393 |
| Average total loans | $9,377,000 | 4,870 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9346% | 4,776 |
| Cost of funding earning assets | 0.0785% | 4,960 |
| Net interest margin | 2.8561% | 4,250 |
| Noninterest income to average assets | 0.0487% | 4,892 |
| Noninterest expense to average assets | 2.1870% | 3,712 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.3807% | 4,303 |
| Return on assets (ROA) | 0.3807% | 4,363 |
| Pretax return on assets | 0.4383% | 4,390 |
| Return on Equity (ROE) | 1.3620% | 4,648 |
| Retained earnings to average equity (ytd only) | 1.3620% | 4,129 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.3052% | 653 |
| Assets per employee ($millions) | 3.7265% | 4,538 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9489% | 3,890 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 32.2119% | 4,786 |
| Net loans and leases to deposits | 44.9979% | 4,634 |
| Net loans and leases to core deposits | 47.9024% | 4,628 |
| Total domestic deposits to total assets | 71.5853% | 4,697 |
| Equity capital to assets | 28.3879% | 70 |
| Core capital (leverage) ratio | 27.9806% | 73 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $30,117,250 | 4,902 |
| Average earning assets | $27,169,250 | 4,894 |
| Average equity | $8,418,500 | 4,401 |
| Average total loans | $9,333,500 | 4,931 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9777% | 4,852 |
| Cost of funding earning assets | 0.0884% | 4,992 |
| Net interest margin | 2.8892% | 4,327 |
| Noninterest income to average assets | 0.0529% | 4,906 |
| Noninterest expense to average assets | 2.2569% | 3,636 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.3905% | 4,248 |
| Return on assets (ROA) | 0.3905% | 4,309 |
| Pretax return on assets | 0.3905% | 4,427 |
| Return on Equity (ROE) | 1.4041% | 4,634 |
| Retained earnings to average equity (ytd only) | 1.4041% | 3,971 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.2500% | 572 |
| Assets per employee ($millions) | 3.8093% | 4,457 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9388% | 3,844 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 31.8567% | 4,822 |
| Net loans and leases to deposits | 44.1052% | 4,700 |
| Net loans and leases to core deposits | 49.4398% | 4,629 |
| Total domestic deposits to total assets | 72.2288% | 4,697 |
| Equity capital to assets | 27.6826% | 76 |
| Core capital (leverage) ratio | 27.8977% | 71 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $30,219,000 | 4,928 |
| Average earning assets | $27,135,333 | 4,927 |
| Average equity | $8,403,667 | 4,421 |
| Average total loans | $9,213,000 | 4,964 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1018% | 4,913 |
| Cost of funding earning assets | 0.0890% | 5,053 |
| Net interest margin | 3.0127% | 4,261 |
| Noninterest income to average assets | 0.0532% | 4,968 |
| Noninterest expense to average assets | 2.4725% | 3,353 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.2791% | 4,391 |
| Return on assets (ROA) | 0.2791% | 4,411 |
| Pretax return on assets | 0.2791% | 4,483 |
| Return on Equity (ROE) | 1.0015% | 4,628 |
| Retained earnings to average equity (ytd only) | 1.0015% | 3,739 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.8551% | 507 |
| Assets per employee ($millions) | 3.3424% | 4,607 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9920% | 3,753 |
| Loan loss allowance to noncurrent loans | 1,022.2222% | 549 |
| Noncurrent assets plus other real estate owned to assets | 0.0299% | 4,473 |
| Noncurrent loans to loans | 0.0970% | 4,119 |
| Net loans and leases to total assets | 30.5232% | 4,901 |
| Net loans and leases to deposits | 42.3856% | 4,793 |
| Net loans and leases to core deposits | 47.6047% | 4,740 |
| Total domestic deposits to total assets | 72.0132% | 4,771 |
| Equity capital to assets | 27.9170% | 84 |
| Core capital (leverage) ratio | 27.8661% | 84 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $30,091,500 | 4,968 |
| Average earning assets | $26,952,500 | 4,968 |
| Average equity | $8,387,500 | 4,445 |
| Average total loans | $8,919,500 | 5,010 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0047% | 5,050 |
| Cost of funding earning assets | 0.0851% | 5,119 |
| Net interest margin | 2.9196% | 4,636 |
| Noninterest income to average assets | 0.0663% | 4,997 |
| Noninterest expense to average assets | 2.2426% | 4,079 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.3420% | 4,693 |
| Return on assets (ROA) | 0.2057% | 4,859 |
| Pretax return on assets | 0.2687% | 4,844 |
| Return on Equity (ROE) | 0.7444% | 4,945 |
| Retained earnings to average equity (ytd only) | 0.7444% | 4,474 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.5600% | 687 |
| Assets per employee ($millions) | 3.0101% | 4,824 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0741% | 3,083 |
| Loan loss allowance to noncurrent loans | 31.0811% | 4,413 |
| Noncurrent assets plus other real estate owned to assets | 0.9834% | 1,274 |
| Noncurrent loans to loans | 3.4559% | 239 |
| Net loans and leases to total assets | 28.1486% | 4,993 |
| Net loans and leases to deposits | 39.0335% | 4,921 |
| Net loans and leases to core deposits | 41.4754% | 4,917 |
| Total domestic deposits to total assets | 72.1139% | 4,864 |
| Equity capital to assets | 27.8296% | 90 |
| Core capital (leverage) ratio | 27.8084% | 89 |
| Tier 1 risk-based capital ratio | 73.2639% | 62 |
| Total risk-based capital ratio | 74.0686% | 62 |
| Memoranda: | ||
| Average total assets | $30,143,800 | 5,023 |
| Average earning assets | $27,024,600 | 5,026 |
| Average equity | $8,329,000 | 4,469 |
| Average total loans | $8,437,400 | 5,083 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0024% | 5,151 |
| Cost of funding earning assets | 0.0887% | 5,194 |
| Net interest margin | 2.9136% | 4,743 |
| Noninterest income to average assets | 0.0707% | 5,071 |
| Noninterest expense to average assets | 2.2506% | 4,067 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.3285% | 4,809 |
| Return on assets (ROA) | 0.1503% | 5,001 |
| Pretax return on assets | 0.2078% | 4,982 |
| Return on Equity (ROE) | 0.5450% | 5,048 |
| Retained earnings to average equity (ytd only) | 0.5450% | 4,654 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.8550% | 625 |
| Assets per employee ($millions) | 3.0289% | 4,876 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0917% | 3,070 |
| Loan loss allowance to noncurrent loans | 65.2482% | 3,906 |
| Noncurrent assets plus other real estate owned to assets | 0.8056% | 1,713 |
| Noncurrent loans to loans | 1.6732% | 877 |
| Net loans and leases to total assets | 27.5182% | 5,098 |
| Net loans and leases to deposits | 38.0073% | 5,034 |
| Net loans and leases to core deposits | 40.3593% | 5,030 |
| Total domestic deposits to total assets | 72.4025% | 4,899 |
| Equity capital to assets | 27.5645% | 91 |
| Core capital (leverage) ratio | 27.7615% | 87 |
| Tier 1 risk-based capital ratio | 73.8262% | 67 |
| Total risk-based capital ratio | 74.6397% | 66 |
| Memoranda: | ||
| Average total assets | $30,154,500 | 5,100 |
| Average earning assets | $27,044,500 | 5,099 |
| Average equity | $8,317,000 | 4,523 |
| Average total loans | $8,405,500 | 5,163 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9872% | 5,211 |
| Cost of funding earning assets | 0.0885% | 5,237 |
| Net interest margin | 2.8987% | 4,823 |
| Noninterest income to average assets | -0.2723% | 5,287 |
| Noninterest expense to average assets | 2.3846% | 3,775 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | -0.1129% | 5,133 |
| Return on assets (ROA) | -0.1129% | 5,137 |
| Pretax return on assets | -0.0465% | 5,118 |
| Return on Equity (ROE) | -0.4093% | 5,124 |
| Retained earnings to average equity (ytd only) | -0.4093% | 4,754 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.9886% | 146 |
| Assets per employee ($millions) | 3.0073% | 4,904 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0893% | 3,124 |
| Loan loss allowance to noncurrent loans | 77.3109% | 3,701 |
| Noncurrent assets plus other real estate owned to assets | 0.7382% | 1,881 |
| Noncurrent loans to loans | 1.4090% | 1,100 |
| Net loans and leases to total assets | 27.7791% | 5,128 |
| Net loans and leases to deposits | 38.3968% | 5,072 |
| Net loans and leases to core deposits | 41.4159% | 5,056 |
| Total domestic deposits to total assets | 72.3473% | 4,954 |
| Equity capital to assets | 27.5929% | 94 |
| Core capital (leverage) ratio | 27.6674% | 88 |
| Tier 1 risk-based capital ratio | 71.2703% | 64 |
| Total risk-based capital ratio | 72.0605% | 66 |
| Memoranda: | ||
| Average total assets | $30,109,670 | 5,145 |
| Average earning assets | $27,116,000 | 5,142 |
| Average equity | $8,306,330 | 4,539 |
| Average total loans | $8,398,330 | 5,211 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9304% | 5,293 |
| Cost of funding earning assets | 0.0884% | 5,294 |
| Net interest margin | 2.8420% | 4,946 |
| Noninterest income to average assets | -0.6373% | 5,351 |
| Noninterest expense to average assets | 2.0579% | 4,534 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | -0.1328% | 5,192 |
| Return on assets (ROA) | -0.1328% | 5,191 |
| Pretax return on assets | -0.1328% | 5,181 |
| Return on Equity (ROE) | -0.4813% | 5,167 |
| Retained earnings to average equity (ytd only) | -0.4813% | 4,594 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.8966% | 120 |
| Assets per employee ($millions) | 2.9995% | 4,976 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0934% | 3,172 |
| Loan loss allowance to noncurrent loans | 60.9272% | 4,055 |
| Noncurrent assets plus other real estate owned to assets | 0.8468% | 1,676 |
| Noncurrent loans to loans | 1.7946% | 862 |
| Net loans and leases to total assets | 27.7446% | 5,183 |
| Net loans and leases to deposits | 38.3998% | 5,104 |
| Net loans and leases to core deposits | 41.4318% | 5,090 |
| Total domestic deposits to total assets | 72.2520% | 5,033 |
| Equity capital to assets | 27.6879% | 84 |
| Core capital (leverage) ratio | 27.7333% | 84 |
| Tier 1 risk-based capital ratio | 71.3795% | 63 |
| Total risk-based capital ratio | 72.1702% | 63 |
| Memoranda: | ||
| Average total assets | $30,128,000 | 5,198 |
| Average earning assets | $27,163,500 | 5,196 |
| Average equity | $8,310,500 | 4,572 |
| Average total loans | $8,374,500 | 5,269 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8816% | 5,266 |
| Cost of funding earning assets | 0.0892% | 5,312 |
| Net interest margin | 2.7924% | 5,027 |
| Noninterest income to average assets | 0.0484% | 5,276 |
| Noninterest expense to average assets | 2.2047% | 4,331 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.3712% | 4,905 |
| Return on assets (ROA) | 0.3712% | 4,901 |
| Pretax return on assets | 0.3712% | 4,966 |
| Return on Equity (ROE) | 1.3908% | 5,121 |
| Retained earnings to average equity (ytd only) | 1.3908% | 4,573 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.5890% | 554 |
| Assets per employee ($millions) | 3.0261% | 4,978 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1038% | 3,077 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3404% | 3,191 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 27.2397% | 5,242 |
| Net loans and leases to deposits | 37.5878% | 5,163 |
| Net loans and leases to core deposits | 42.8275% | 5,105 |
| Total domestic deposits to total assets | 72.4695% | 5,048 |
| Equity capital to assets | 27.4809% | 85 |
| Core capital (leverage) ratio | 26.8909% | 89 |
| Tier 1 risk-based capital ratio | 71.9439% | 62 |
| Total risk-based capital ratio | 72.7399% | 62 |
| Memoranda: | ||
| Average total assets | $30,979,000 | 5,227 |
| Average earning assets | $28,040,400 | 5,222 |
| Average equity | $8,268,400 | 4,563 |
| Average total loans | $8,154,200 | 5,320 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8514% | 5,340 |
| Cost of funding earning assets | 0.0898% | 5,375 |
| Net interest margin | 2.7616% | 5,121 |
| Noninterest income to average assets | 0.0514% | 5,336 |
| Noninterest expense to average assets | 2.0839% | 4,586 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.4664% | 4,827 |
| Return on assets (ROA) | 0.4664% | 4,836 |
| Pretax return on assets | 0.4664% | 4,948 |
| Return on Equity (ROE) | 1.7602% | 5,157 |
| Retained earnings to average equity (ytd only) | 1.7602% | 4,653 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.7114% | 799 |
| Assets per employee ($millions) | 3.0449% | 5,010 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1184% | 3,085 |
| Loan loss allowance to noncurrent loans | 122.6667% | 3,106 |
| Noncurrent assets plus other real estate owned to assets | 0.2463% | 3,726 |
| Noncurrent loans to loans | 0.9117% | 1,879 |
| Net loans and leases to total assets | 26.7135% | 5,314 |
| Net loans and leases to deposits | 36.7539% | 5,259 |
| Net loans and leases to core deposits | 41.8244% | 5,203 |
| Total domestic deposits to total assets | 72.6822% | 5,083 |
| Equity capital to assets | 27.2915% | 90 |
| Core capital (leverage) ratio | 26.6817% | 90 |
| Tier 1 risk-based capital ratio | 73.2610% | 57 |
| Total risk-based capital ratio | 74.0721% | 57 |
| Memoranda: | ||
| Average total assets | $31,158,500 | 5,294 |
| Average earning assets | $28,196,000 | 5,286 |
| Average equity | $8,256,500 | 4,612 |
| Average total loans | $8,109,000 | 5,389 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8158% | 5,397 |
| Cost of funding earning assets | 0.0843% | 5,434 |
| Net interest margin | 2.7315% | 5,187 |
| Noninterest income to average assets | 0.0573% | 5,383 |
| Noninterest expense to average assets | 2.0768% | 4,661 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.4587% | 4,842 |
| Return on assets (ROA) | 0.4587% | 4,844 |
| Pretax return on assets | 0.4587% | 4,975 |
| Return on Equity (ROE) | 1.7479% | 5,205 |
| Retained earnings to average equity (ytd only) | 1.7479% | 4,545 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.9095% | 843 |
| Assets per employee ($millions) | 3.0680% | 5,055 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1410% | 3,031 |
| Loan loss allowance to noncurrent loans | 230.0000% | 2,043 |
| Noncurrent assets plus other real estate owned to assets | 0.1304% | 4,349 |
| Noncurrent loans to loans | 0.4961% | 2,941 |
| Net loans and leases to total assets | 25.9811% | 5,385 |
| Net loans and leases to deposits | 35.6071% | 5,327 |
| Net loans and leases to core deposits | 38.3221% | 5,319 |
| Total domestic deposits to total assets | 72.9661% | 5,120 |
| Equity capital to assets | 26.9654% | 93 |
| Core capital (leverage) ratio | 26.3128% | 93 |
| Tier 1 risk-based capital ratio | 73.4073% | 61 |
| Total risk-based capital ratio | 74.2236% | 61 |
| Memoranda: | ||
| Average total assets | $31,395,000 | 5,355 |
| Average earning assets | $28,482,000 | 5,345 |
| Average equity | $8,238,670 | 4,655 |
| Average total loans | $8,070,000 | 5,452 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7595% | 5,466 |
| Cost of funding earning assets | 0.0832% | 5,496 |
| Net interest margin | 2.6763% | 5,268 |
| Noninterest income to average assets | 0.0756% | 5,410 |
| Noninterest expense to average assets | 1.9778% | 4,887 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.5291% | 4,628 |
| Return on assets (ROA) | 0.5291% | 4,632 |
| Pretax return on assets | 0.5291% | 4,830 |
| Return on Equity (ROE) | 2.0434% | 5,175 |
| Retained earnings to average equity (ytd only) | 2.0434% | 4,339 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.8945% | 1,265 |
| Assets per employee ($millions) | 3.4928% | 4,672 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1354% | 3,172 |
| Loan loss allowance to noncurrent loans | 613.3333% | 923 |
| Noncurrent assets plus other real estate owned to assets | 0.0477% | 4,863 |
| Noncurrent loans to loans | 0.1851% | 4,130 |
| Net loans and leases to total assets | 25.4843% | 5,442 |
| Net loans and leases to deposits | 34.5749% | 5,384 |
| Net loans and leases to core deposits | 39.1028% | 5,327 |
| Total domestic deposits to total assets | 73.7077% | 5,181 |
| Equity capital to assets | 26.2192% | 91 |
| Core capital (leverage) ratio | 26.0526% | 96 |
| Tier 1 risk-based capital ratio | 72.3617% | 60 |
| Total risk-based capital ratio | 73.1694% | 60 |
| Memoranda: | ||
| Average total assets | $31,752,500 | 5,409 |
| Average earning assets | $28,845,500 | 5,400 |
| Average equity | $8,221,500 | 4,709 |
| Average total loans | $8,073,500 | 5,512 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8694% | 5,432 |
| Cost of funding earning assets | 0.0873% | 5,536 |
| Net interest margin | 2.7821% | 5,191 |
| Noninterest income to average assets | 0.0505% | 5,534 |
| Noninterest expense to average assets | 2.3498% | 4,208 |
| Loan and lease loss provision to assets | 0.0063% | 4,140 |
| Net operating income to assets | 0.2082% | 5,095 |
| Return on assets (ROA) | 0.2082% | 5,112 |
| Pretax return on assets | 0.2082% | 5,305 |
| Return on Equity (ROE) | 0.8090% | 5,264 |
| Retained earnings to average equity (ytd only) | 0.8090% | 4,709 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.6359% | 362 |
| Assets per employee ($millions) | 3.5633% | 4,617 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1437% | 3,099 |
| Loan loss allowance to noncurrent loans | 575.0000% | 979 |
| Noncurrent assets plus other real estate owned to assets | 0.0499% | 4,882 |
| Noncurrent loans to loans | 0.1989% | 4,114 |
| Net loans and leases to total assets | 24.7958% | 5,520 |
| Net loans and leases to deposits | 33.3403% | 5,472 |
| Net loans and leases to core deposits | 37.5644% | 5,426 |
| Total domestic deposits to total assets | 74.3717% | 5,149 |
| Equity capital to assets | 25.5722% | 92 |
| Core capital (leverage) ratio | 25.9386% | 90 |
| Tier 1 risk-based capital ratio | 71.1892% | 58 |
| Total risk-based capital ratio | 71.9878% | 58 |
| Memoranda: | ||
| Average total assets | $31,704,800 | 5,470 |
| Average earning assets | $28,647,200 | 5,461 |
| Average equity | $8,158,400 | 4,759 |
| Average total loans | $8,319,600 | 5,571 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8714% | 5,491 |
| Cost of funding earning assets | 0.0888% | 5,593 |
| Net interest margin | 2.7825% | 5,247 |
| Noninterest income to average assets | 0.0548% | 5,597 |
| Noninterest expense to average assets | 2.3196% | 4,249 |
| Loan and lease loss provision to assets | 0.0084% | 3,965 |
| Net operating income to assets | 0.2235% | 5,329 |
| Return on assets (ROA) | 0.2235% | 5,343 |
| Pretax return on assets | 0.2362% | 5,355 |
| Return on Equity (ROE) | 0.8672% | 5,447 |
| Retained earnings to average equity (ytd only) | 0.8672% | 5,014 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.4605% | 394 |
| Assets per employee ($millions) | 3.5438% | 4,659 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1236% | 3,354 |
| Loan loss allowance to noncurrent loans | 306.6667% | 1,568 |
| Noncurrent assets plus other real estate owned to assets | 0.0941% | 4,767 |
| Noncurrent loans to loans | 0.3664% | 3,640 |
| Net loans and leases to total assets | 25.3841% | 5,581 |
| Net loans and leases to deposits | 34.1776% | 5,524 |
| Net loans and leases to core deposits | 38.5432% | 5,486 |
| Total domestic deposits to total assets | 74.2710% | 5,210 |
| Equity capital to assets | 25.6694% | 94 |
| Core capital (leverage) ratio | 26.0078% | 88 |
| Tier 1 risk-based capital ratio | 71.1666% | 62 |
| Total risk-based capital ratio | 71.9663% | 61 |
| Memoranda: | ||
| Average total assets | $31,613,500 | 5,529 |
| Average earning assets | $28,510,250 | 5,522 |
| Average equity | $8,147,750 | 4,814 |
| Average total loans | $8,388,500 | 5,631 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8856% | 5,515 |
| Cost of funding earning assets | 0.0915% | 5,627 |
| Net interest margin | 2.7941% | 5,254 |
| Noninterest income to average assets | 0.0508% | 5,654 |
| Noninterest expense to average assets | 2.4746% | 3,833 |
| Loan and lease loss provision to assets | 0.0127% | 3,702 |
| Net operating income to assets | 0.0825% | 5,508 |
| Return on assets (ROA) | 0.0825% | 5,514 |
| Pretax return on assets | 0.0825% | 5,522 |
| Return on Equity (ROE) | 0.3196% | 5,537 |
| Retained earnings to average equity (ytd only) | 0.3196% | 5,009 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.2963% | 251 |
| Assets per employee ($millions) | 3.4929% | 4,729 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0575% | 3,806 |
| Loan loss allowance to noncurrent loans | 317.2414% | 1,508 |
| Noncurrent assets plus other real estate owned to assets | 0.0923% | 4,819 |
| Noncurrent loans to loans | 0.3333% | 3,847 |
| Net loans and leases to total assets | 27.3826% | 5,579 |
| Net loans and leases to deposits | 36.9934% | 5,522 |
| Net loans and leases to core deposits | 41.8128% | 5,447 |
| Total domestic deposits to total assets | 74.0202% | 5,289 |
| Equity capital to assets | 25.9161% | 89 |
| Core capital (leverage) ratio | 26.0229% | 89 |
| Tier 1 risk-based capital ratio | 68.6989% | 65 |
| Total risk-based capital ratio | 69.4747% | 65 |
| Memoranda: | ||
| Average total assets | $31,520,000 | 5,579 |
| Average earning assets | $28,416,670 | 5,568 |
| Average equity | $8,134,670 | 4,839 |
| Average total loans | $8,455,330 | 5,676 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8390% | 5,579 |
| Cost of funding earning assets | 0.0847% | 5,703 |
| Net interest margin | 2.7542% | 5,322 |
| Noninterest income to average assets | 0.0507% | 5,728 |
| Noninterest expense to average assets | 2.6614% | 3,274 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | -0.1394% | 5,663 |
| Return on assets (ROA) | -0.1394% | 5,666 |
| Pretax return on assets | -0.1394% | 5,656 |
| Return on Equity (ROE) | -0.5413% | 5,640 |
| Retained earnings to average equity (ytd only) | -0.5413% | 5,006 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.5276% | 166 |
| Assets per employee ($millions) | 3.1639% | 5,204 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0580% | 3,942 |
| Loan loss allowance to noncurrent loans | 346.1538% | 1,434 |
| Noncurrent assets plus other real estate owned to assets | 0.0822% | 4,944 |
| Noncurrent loans to loans | 0.3056% | 4,026 |
| Net loans and leases to total assets | 26.6032% | 5,660 |
| Net loans and leases to deposits | 35.8201% | 5,588 |
| Net loans and leases to core deposits | 40.4352% | 5,508 |
| Total domestic deposits to total assets | 74.2691% | 5,399 |
| Equity capital to assets | 25.6740% | 93 |
| Core capital (leverage) ratio | 25.8513% | 92 |
| Tier 1 risk-based capital ratio | 69.4808% | 64 |
| Total risk-based capital ratio | 70.2506% | 64 |
| Memoranda: | ||
| Average total assets | $31,562,000 | 5,642 |
| Average earning assets | $28,320,000 | 5,633 |
| Average equity | $8,128,500 | 4,877 |
| Average total loans | $8,333,000 | 5,744 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9015% | 5,577 |
| Cost of funding earning assets | 0.0924% | 5,734 |
| Net interest margin | 2.8090% | 5,273 |
| Noninterest income to average assets | 0.0223% | 5,822 |
| Noninterest expense to average assets | 2.5317% | 3,912 |
| Loan and lease loss provision to assets | -0.0511% | 5,593 |
| Net operating income to assets | 0.0639% | 5,601 |
| Return on assets (ROA) | 0.0639% | 5,626 |
| Pretax return on assets | 0.0639% | 5,622 |
| Return on Equity (ROE) | 0.2462% | 5,641 |
| Retained earnings to average equity (ytd only) | 0.2462% | 5,218 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.4981% | 229 |
| Assets per employee ($millions) | 3.1485% | 5,220 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1031% | 3,693 |
| Loan loss allowance to noncurrent loans | 157.8947% | 2,707 |
| Noncurrent assets plus other real estate owned to assets | 0.1810% | 4,596 |
| Noncurrent loans to loans | 0.6986% | 2,798 |
| Net loans and leases to total assets | 25.6281% | 5,738 |
| Net loans and leases to deposits | 34.5775% | 5,665 |
| Net loans and leases to core deposits | 39.0675% | 5,618 |
| Total domestic deposits to total assets | 74.1178% | 5,435 |
| Equity capital to assets | 25.8345% | 90 |
| Core capital (leverage) ratio | 26.1333% | 90 |
| Tier 1 risk-based capital ratio | 70.4731% | 59 |
| Total risk-based capital ratio | 71.2528% | 59 |
| Memoranda: | ||
| Average total assets | $31,322,600 | 5,694 |
| Average earning assets | $28,123,400 | 5,687 |
| Average equity | $8,122,600 | 4,912 |
| Average total loans | $8,238,200 | 5,805 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9006% | 5,647 |
| Cost of funding earning assets | 0.0900% | 5,810 |
| Net interest margin | 2.8105% | 5,342 |
| Noninterest income to average assets | 0.0085% | 5,907 |
| Noninterest expense to average assets | 2.4678% | 4,081 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.0682% | 5,659 |
| Return on assets (ROA) | 0.0682% | 5,700 |
| Pretax return on assets | 0.0682% | 5,700 |
| Return on Equity (ROE) | 0.2627% | 5,721 |
| Retained earnings to average equity (ytd only) | 0.2627% | 5,279 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.3109% | 277 |
| Assets per employee ($millions) | 3.1085% | 5,280 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2579% | 2,909 |
| Loan loss allowance to noncurrent loans | 252.3810% | 1,873 |
| Noncurrent assets plus other real estate owned to assets | 0.1351% | 4,891 |
| Noncurrent loans to loans | 0.4984% | 3,510 |
| Net loans and leases to total assets | 26.7685% | 5,783 |
| Net loans and leases to deposits | 36.2808% | 5,719 |
| Net loans and leases to core deposits | 41.0853% | 5,657 |
| Total domestic deposits to total assets | 73.7816% | 5,455 |
| Equity capital to assets | 26.1541% | 88 |
| Core capital (leverage) ratio | 26.0393% | 86 |
| Tier 1 risk-based capital ratio | 69.9776% | 63 |
| Total risk-based capital ratio | 70.8900% | 65 |
| Memoranda: | ||
| Average total assets | $31,282,000 | 5,755 |
| Average earning assets | $28,131,750 | 5,749 |
| Average equity | $8,119,750 | 4,962 |
| Average total loans | $8,258,000 | 5,867 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9020% | 5,734 |
| Cost of funding earning assets | 0.0922% | 5,885 |
| Net interest margin | 2.8098% | 5,410 |
| Noninterest income to average assets | 0.0447% | 5,925 |
| Noninterest expense to average assets | 2.5201% | 3,981 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.0510% | 5,723 |
| Return on assets (ROA) | 0.0510% | 5,757 |
| Pretax return on assets | 0.0510% | 5,760 |
| Return on Equity (ROE) | 0.1971% | 5,782 |
| Retained earnings to average equity (ytd only) | 0.1971% | 5,244 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.0149% | 286 |
| Assets per employee ($millions) | 3.1248% | 5,298 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2640% | 2,993 |
| Loan loss allowance to noncurrent loans | 141.3333% | 3,008 |
| Noncurrent assets plus other real estate owned to assets | 0.6688% | 2,997 |
| Noncurrent loans to loans | 0.8943% | 2,491 |
| Net loans and leases to total assets | 26.4977% | 5,860 |
| Net loans and leases to deposits | 35.8426% | 5,792 |
| Net loans and leases to core deposits | 40.5505% | 5,724 |
| Total domestic deposits to total assets | 73.9279% | 5,526 |
| Equity capital to assets | 25.9921% | 85 |
| Core capital (leverage) ratio | 25.8112% | 85 |
| Tier 1 risk-based capital ratio | 68.5864% | 73 |
| Total risk-based capital ratio | 69.4815% | 72 |
| Memoranda: | ||
| Average total assets | $31,347,670 | 5,824 |
| Average earning assets | $28,187,330 | 5,818 |
| Average equity | $8,116,330 | 5,004 |
| Average total loans | $8,201,670 | 5,945 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0065% | 5,687 |
| Cost of funding earning assets | 0.0851% | 5,970 |
| Net interest margin | 2.9214% | 5,285 |
| Noninterest income to average assets | 0.0382% | 5,999 |
| Noninterest expense to average assets | 2.6754% | 3,511 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | -0.0127% | 5,793 |
| Return on assets (ROA) | -0.0127% | 5,820 |
| Pretax return on assets | -0.0127% | 5,821 |
| Return on Equity (ROE) | -0.0493% | 5,818 |
| Retained earnings to average equity (ytd only) | -0.0493% | 5,115 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.4785% | 281 |
| Assets per employee ($millions) | 2.8610% | 5,633 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3189% | 2,807 |
| Loan loss allowance to noncurrent loans | 65.4321% | 4,437 |
| Noncurrent assets plus other real estate owned to assets | 0.9405% | 2,357 |
| Noncurrent loans to loans | 2.0157% | 1,062 |
| Net loans and leases to total assets | 25.2010% | 5,931 |
| Net loans and leases to deposits | 33.9890% | 5,873 |
| Net loans and leases to core deposits | 36.4660% | 5,848 |
| Total domestic deposits to total assets | 74.1445% | 5,600 |
| Equity capital to assets | 25.7793% | 86 |
| Core capital (leverage) ratio | 25.9367% | 79 |
| Tier 1 risk-based capital ratio | 69.1822% | 71 |
| Total risk-based capital ratio | 70.0861% | 71 |
| Memoranda: | ||
| Average total assets | $31,397,500 | 5,883 |
| Average earning assets | $28,205,500 | 5,877 |
| Average equity | $8,113,500 | 5,037 |
| Average total loans | $8,109,500 | 6,004 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1599% | 5,564 |
| Cost of funding earning assets | 0.1333% | 5,793 |
| Net interest margin | 3.0266% | 5,070 |
| Noninterest income to average assets | 0.0412% | 6,028 |
| Noninterest expense to average assets | 2.5380% | 4,113 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.2218% | 5,530 |
| Return on assets (ROA) | 0.2218% | 5,595 |
| Pretax return on assets | 0.2376% | 5,633 |
| Return on Equity (ROE) | 0.8648% | 5,796 |
| Retained earnings to average equity (ytd only) | 0.8648% | 5,173 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.4384% | 601 |
| Assets per employee ($millions) | 2.8476% | 5,662 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2955% | 2,937 |
| Loan loss allowance to noncurrent loans | 73.1034% | 4,300 |
| Noncurrent assets plus other real estate owned to assets | 0.8907% | 2,444 |
| Noncurrent loans to loans | 1.7722% | 1,255 |
| Net loans and leases to total assets | 25.7821% | 5,983 |
| Net loans and leases to deposits | 34.8254% | 5,911 |
| Net loans and leases to core deposits | 38.4425% | 5,866 |
| Total domestic deposits to total assets | 74.0327% | 5,645 |
| Equity capital to assets | 25.9035% | 79 |
| Core capital (leverage) ratio | 26.0181% | 78 |
| Tier 1 risk-based capital ratio | 68.9438% | 71 |
| Total risk-based capital ratio | 69.8445% | 71 |
| Memoranda: | ||
| Average total assets | $31,560,400 | 5,935 |
| Average earning assets | $28,513,800 | 5,929 |
| Average equity | $8,094,000 | 5,044 |
| Average total loans | $8,600,800 | 6,044 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1905% | 5,598 |
| Cost of funding earning assets | 0.1491% | 5,786 |
| Net interest margin | 3.0415% | 5,097 |
| Noninterest income to average assets | 0.0422% | 6,118 |
| Noninterest expense to average assets | 2.3824% | 4,558 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.3922% | 5,193 |
| Return on assets (ROA) | 0.3922% | 5,284 |
| Pretax return on assets | 0.4133% | 5,441 |
| Return on Equity (ROE) | 1.5329% | 5,769 |
| Retained earnings to average equity (ytd only) | 1.5329% | 5,100 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.2187% | 1,066 |
| Assets per employee ($millions) | 2.8228% | 5,739 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2622% | 3,294 |
| Loan loss allowance to noncurrent loans | 212.0000% | 2,147 |
| Noncurrent assets plus other real estate owned to assets | 0.5926% | 3,502 |
| Noncurrent loans to loans | 0.5954% | 3,544 |
| Net loans and leases to total assets | 26.7045% | 6,051 |
| Net loans and leases to deposits | 36.2223% | 5,976 |
| Net loans and leases to core deposits | 41.0292% | 5,886 |
| Total domestic deposits to total assets | 73.7239% | 5,734 |
| Equity capital to assets | 26.2053% | 80 |
| Core capital (leverage) ratio | 26.1153% | 77 |
| Tier 1 risk-based capital ratio | 68.3035% | 76 |
| Total risk-based capital ratio | 69.1933% | 75 |
| Memoranda: | ||
| Average total assets | $31,619,500 | 6,014 |
| Average earning assets | $28,625,500 | 6,006 |
| Average equity | $8,089,000 | 5,107 |
| Average total loans | $8,705,500 | 6,125 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2112% | 5,605 |
| Cost of funding earning assets | 0.1668% | 5,727 |
| Net interest margin | 3.0444% | 5,106 |
| Noninterest income to average assets | 0.0440% | 6,191 |
| Noninterest expense to average assets | 2.3767% | 4,628 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.3961% | 5,147 |
| Return on assets (ROA) | 0.3961% | 5,254 |
| Pretax return on assets | 0.4213% | 5,422 |
| Return on Equity (ROE) | 1.5608% | 5,789 |
| Retained earnings to average equity (ytd only) | 1.5608% | 4,920 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.9438% | 1,158 |
| Assets per employee ($millions) | 2.8853% | 5,727 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2360% | 3,584 |
| Loan loss allowance to noncurrent loans | 77.3723% | 4,286 |
| Noncurrent assets plus other real estate owned to assets | 0.8539% | 2,853 |
| Noncurrent loans to loans | 1.5975% | 1,642 |
| Net loans and leases to total assets | 26.6873% | 6,120 |
| Net loans and leases to deposits | 35.9035% | 6,038 |
| Net loans and leases to core deposits | 40.6664% | 5,935 |
| Total domestic deposits to total assets | 74.3305% | 5,758 |
| Equity capital to assets | 25.5435% | 87 |
| Core capital (leverage) ratio | 25.5001% | 87 |
| Tier 1 risk-based capital ratio | 66.9115% | 82 |
| Total risk-based capital ratio | 67.7864% | 82 |
| Memoranda: | ||
| Average total assets | $31,809,000 | 6,077 |
| Average earning assets | $28,774,330 | 6,069 |
| Average equity | $8,073,000 | 5,147 |
| Average total loans | $8,808,000 | 6,190 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2309% | 5,596 |
| Cost of funding earning assets | 0.1671% | 5,798 |
| Net interest margin | 3.0637% | 5,048 |
| Noninterest income to average assets | 0.0377% | 6,260 |
| Noninterest expense to average assets | 2.4996% | 4,265 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.3015% | 5,410 |
| Return on assets (ROA) | 0.3015% | 5,510 |
| Pretax return on assets | 0.3015% | 5,650 |
| Return on Equity (ROE) | 1.1917% | 5,875 |
| Retained earnings to average equity (ytd only) | 1.1917% | 5,012 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.2377% | 914 |
| Assets per employee ($millions) | 2.9134% | 5,771 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2220% | 3,829 |
| Loan loss allowance to noncurrent loans | 73.1034% | 4,361 |
| Noncurrent assets plus other real estate owned to assets | 0.8706% | 2,899 |
| Noncurrent loans to loans | 1.6717% | 1,657 |
| Net loans and leases to total assets | 26.7357% | 6,175 |
| Net loans and leases to deposits | 35.7775% | 6,063 |
| Net loans and leases to core deposits | 40.4437% | 5,961 |
| Total domestic deposits to total assets | 74.7277% | 5,852 |
| Equity capital to assets | 25.1755% | 92 |
| Core capital (leverage) ratio | 25.3543% | 88 |
| Tier 1 risk-based capital ratio | 66.0013% | 88 |
| Total risk-based capital ratio | 66.8685% | 90 |
| Memoranda: | ||
| Average total assets | $31,844,500 | 6,143 |
| Average earning assets | $28,723,000 | 6,131 |
| Average equity | $8,056,000 | 5,200 |
| Average total loans | $8,924,000 | 6,255 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4010% | 5,530 |
| Cost of funding earning assets | 0.1728% | 5,958 |
| Net interest margin | 3.2282% | 4,838 |
| Noninterest income to average assets | 0.0410% | 6,312 |
| Noninterest expense to average assets | 2.6344% | 4,106 |
| Loan and lease loss provision to assets | 0.0914% | 2,638 |
| Net operating income to assets | 0.2584% | 5,634 |
| Return on assets (ROA) | 0.2584% | 5,694 |
| Pretax return on assets | 0.2584% | 5,777 |
| Return on Equity (ROE) | 1.0244% | 5,965 |
| Retained earnings to average equity (ytd only) | 1.0244% | 5,307 |
| Net charge-offs to loans | 0.9994% | 302 |
| Credit loss provision to net charge-offs | 32.2222% | 3,806 |
| Earnings coverage of net charge-offs (x) | 1.2333% | 4,462 |
| Efficiency ratio | 88.2788% | 968 |
| Assets per employee ($millions) | 2.8765% | 5,853 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1554% | 4,251 |
| Loan loss allowance to noncurrent loans | 73.1034% | 4,421 |
| Noncurrent assets plus other real estate owned to assets | 0.8817% | 3,004 |
| Noncurrent loans to loans | 1.5806% | 1,846 |
| Net loans and leases to total assets | 28.6581% | 6,220 |
| Net loans and leases to deposits | 38.4645% | 6,085 |
| Net loans and leases to core deposits | 43.5689% | 5,972 |
| Total domestic deposits to total assets | 74.5054% | 5,905 |
| Equity capital to assets | 25.4219% | 95 |
| Core capital (leverage) ratio | 25.4404% | 86 |
| Tier 1 risk-based capital ratio | 65.0704% | 80 |
| Total risk-based capital ratio | 65.9278% | 79 |
| Memoranda: | ||
| Average total assets | $31,733,800 | 6,221 |
| Average earning assets | $28,932,800 | 6,202 |
| Average equity | $8,004,400 | 5,202 |
| Average total loans | $9,005,600 | 6,339 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3352% | 5,697 |
| Cost of funding earning assets | 0.1700% | 6,061 |
| Net interest margin | 3.1652% | 5,077 |
| Noninterest income to average assets | 0.0420% | 6,402 |
| Noninterest expense to average assets | 2.5023% | 4,521 |
| Loan and lease loss provision to assets | 0.1008% | 2,355 |
| Net operating income to assets | 0.3149% | 5,539 |
| Return on assets (ROA) | 0.3149% | 5,615 |
| Pretax return on assets | 0.3317% | 5,714 |
| Return on Equity (ROE) | 1.2509% | 5,998 |
| Retained earnings to average equity (ytd only) | 1.2509% | 5,395 |
| Net charge-offs to loans | 1.3388% | 198 |
| Credit loss provision to net charge-offs | 26.6667% | 3,498 |
| Earnings coverage of net charge-offs (x) | 1.1444% | 4,220 |
| Efficiency ratio | 85.2647% | 1,254 |
| Assets per employee ($millions) | 2.8636% | 5,895 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1107% | 4,699 |
| Loan loss allowance to noncurrent loans | 39.4531% | 5,466 |
| Noncurrent assets plus other real estate owned to assets | 0.8127% | 3,391 |
| Noncurrent loans to loans | 2.8154% | 983 |
| Net loans and leases to total assets | 28.5460% | 6,304 |
| Net loans and leases to deposits | 38.3683% | 6,171 |
| Net loans and leases to core deposits | 43.4942% | 6,064 |
| Total domestic deposits to total assets | 74.4000% | 5,982 |
| Equity capital to assets | 25.5143% | 92 |
| Core capital (leverage) ratio | 25.3437% | 86 |
| Tier 1 risk-based capital ratio | 65.7585% | 76 |
| Total risk-based capital ratio | 66.5848% | 78 |
| Memoranda: | ||
| Average total assets | $31,756,750 | 6,295 |
| Average earning assets | $29,023,000 | 6,277 |
| Average equity | $7,994,500 | 5,245 |
| Average total loans | $8,963,500 | 6,412 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2716% | 5,840 |
| Cost of funding earning assets | 0.1718% | 6,124 |
| Net interest margin | 3.0997% | 5,254 |
| Noninterest income to average assets | 0.0440% | 6,457 |
| Noninterest expense to average assets | 2.5689% | 4,352 |
| Loan and lease loss provision to assets | 0.0188% | 3,893 |
| Net operating income to assets | 0.2826% | 5,623 |
| Return on assets (ROA) | 0.2826% | 5,693 |
| Pretax return on assets | 0.2889% | 5,806 |
| Return on Equity (ROE) | 1.1278% | 6,033 |
| Retained earnings to average equity (ytd only) | 1.1278% | 5,304 |
| Net charge-offs to loans | 2.0179% | 112 |
| Credit loss provision to net charge-offs | 3.3333% | 3,375 |
| Earnings coverage of net charge-offs (x) | 0.5444% | 4,023 |
| Efficiency ratio | 89.3013% | 965 |
| Assets per employee ($millions) | 2.9309% | 5,856 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8946% | 5,737 |
| Loan loss allowance to noncurrent loans | 31.2500% | 5,742 |
| Noncurrent assets plus other real estate owned to assets | 0.7940% | 3,585 |
| Noncurrent loans to loans | 2.8626% | 1,043 |
| Net loans and leases to total assets | 27.4907% | 6,385 |
| Net loans and leases to deposits | 36.6346% | 6,276 |
| Net loans and leases to core deposits | 41.3560% | 6,177 |
| Total domestic deposits to total assets | 75.0403% | 6,018 |
| Equity capital to assets | 24.8356% | 94 |
| Core capital (leverage) ratio | 25.1634% | 84 |
| Tier 1 risk-based capital ratio | 62.8296% | 83 |
| Total risk-based capital ratio | 63.4573% | 84 |
| Memoranda: | ||
| Average total assets | $31,842,330 | 6,355 |
| Average earning assets | $29,099,330 | 6,334 |
| Average equity | $7,980,330 | 5,277 |
| Average total loans | $8,920,330 | 6,478 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2884% | 5,866 |
| Cost of funding earning assets | 0.1658% | 6,255 |
| Net interest margin | 3.1226% | 5,165 |
| Noninterest income to average assets | 0.0379% | 6,515 |
| Noninterest expense to average assets | 2.7810% | 3,636 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.1138% | 6,000 |
| Return on assets (ROA) | 0.1138% | 6,032 |
| Pretax return on assets | 0.1138% | 6,053 |
| Return on Equity (ROE) | 0.4519% | 6,155 |
| Retained earnings to average equity (ytd only) | 0.4519% | 5,401 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.0699% | 636 |
| Assets per employee ($millions) | 2.8701% | 6,017 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8747% | 1,826 |
| Loan loss allowance to noncurrent loans | 39.2941% | 5,593 |
| Noncurrent assets plus other real estate owned to assets | 1.3462% | 2,625 |
| Noncurrent loans to loans | 4.7710% | 481 |
| Net loans and leases to total assets | 27.6868% | 6,423 |
| Net loans and leases to deposits | 37.0916% | 6,281 |
| Net loans and leases to core deposits | 42.0160% | 6,159 |
| Total domestic deposits to total assets | 74.6445% | 6,191 |
| Equity capital to assets | 25.2510% | 97 |
| Core capital (leverage) ratio | 25.1221% | 88 |
| Tier 1 risk-based capital ratio | 66.1138% | 78 |
| Total risk-based capital ratio | 67.3661% | 78 |
| Memoranda: | ||
| Average total assets | $31,643,500 | 6,422 |
| Average earning assets | $28,950,000 | 6,398 |
| Average equity | $7,967,000 | 5,303 |
| Average total loans | $8,909,000 | 6,549 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3802% | 5,877 |
| Cost of funding earning assets | 0.2168% | 6,201 |
| Net interest margin | 3.1634% | 5,115 |
| Noninterest income to average assets | 0.0449% | 6,559 |
| Noninterest expense to average assets | 2.5726% | 4,548 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.3272% | 5,426 |
| Return on assets (ROA) | 0.3272% | 5,534 |
| Pretax return on assets | 0.3272% | 5,655 |
| Return on Equity (ROE) | 1.2895% | 6,027 |
| Retained earnings to average equity (ytd only) | 1.2895% | 5,249 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.7168% | 1,144 |
| Assets per employee ($millions) | 2.8833% | 6,003 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8743% | 1,840 |
| Loan loss allowance to noncurrent loans | 56.9966% | 4,974 |
| Noncurrent assets plus other real estate owned to assets | 0.9238% | 3,593 |
| Noncurrent loans to loans | 3.2884% | 999 |
| Net loans and leases to total assets | 27.5665% | 6,532 |
| Net loans and leases to deposits | 36.8530% | 6,406 |
| Net loans and leases to core deposits | 42.1614% | 6,300 |
| Total domestic deposits to total assets | 74.8014% | 6,217 |
| Equity capital to assets | 25.1040% | 91 |
| Core capital (leverage) ratio | 25.1643% | 87 |
| Tier 1 risk-based capital ratio | 66.1131% | 79 |
| Total risk-based capital ratio | 67.3669% | 79 |
| Memoranda: | ||
| Average total assets | $31,174,200 | 6,499 |
| Average earning assets | $28,134,400 | 6,486 |
| Average equity | $7,909,800 | 5,362 |
| Average total loans | $8,140,600 | 6,645 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3821% | 5,921 |
| Cost of funding earning assets | 0.2245% | 6,267 |
| Net interest margin | 3.1576% | 5,121 |
| Noninterest income to average assets | 0.0473% | 6,645 |
| Noninterest expense to average assets | 2.4871% | 4,764 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.3909% | 5,279 |
| Return on assets (ROA) | 0.3909% | 5,415 |
| Pretax return on assets | 0.3995% | 5,623 |
| Return on Equity (ROE) | 1.5365% | 6,063 |
| Retained earnings to average equity (ytd only) | 1.5365% | 5,365 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.1607% | 1,350 |
| Assets per employee ($millions) | 2.6115% | 6,374 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9189% | 1,948 |
| Loan loss allowance to noncurrent loans | 46.0055% | 5,405 |
| Noncurrent assets plus other real estate owned to assets | 1.1583% | 3,338 |
| Noncurrent loans to loans | 4.1710% | 833 |
| Net loans and leases to total assets | 27.2385% | 6,619 |
| Net loans and leases to deposits | 36.5395% | 6,487 |
| Net loans and leases to core deposits | 41.4389% | 6,401 |
| Total domestic deposits to total assets | 74.5453% | 6,329 |
| Equity capital to assets | 25.3718% | 87 |
| Core capital (leverage) ratio | 25.9854% | 79 |
| Tier 1 risk-based capital ratio | 67.3243% | 77 |
| Total risk-based capital ratio | 68.5775% | 77 |
| Memoranda: | ||
| Average total assets | $31,038,750 | 6,571 |
| Average earning assets | $27,910,750 | 6,568 |
| Average equity | $7,896,750 | 5,421 |
| Average total loans | $7,948,250 | 6,724 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4002% | 5,911 |
| Cost of funding earning assets | 0.2454% | 6,204 |
| Net interest margin | 3.1547% | 5,109 |
| Noninterest income to average assets | 0.0517% | 6,667 |
| Noninterest expense to average assets | 2.5663% | 4,502 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.3103% | 5,576 |
| Return on assets (ROA) | 0.3103% | 5,719 |
| Pretax return on assets | 0.3103% | 5,850 |
| Return on Equity (ROE) | 1.2185% | 6,163 |
| Retained earnings to average equity (ytd only) | 1.2185% | 5,412 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.2135% | 1,113 |
| Assets per employee ($millions) | 2.5773% | 6,420 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0891% | 1,653 |
| Loan loss allowance to noncurrent loans | 58.8028% | 4,845 |
| Noncurrent assets plus other real estate owned to assets | 0.9183% | 3,952 |
| Noncurrent loans to loans | 3.5527% | 1,173 |
| Net loans and leases to total assets | 25.3072% | 6,703 |
| Net loans and leases to deposits | 34.0660% | 6,607 |
| Net loans and leases to core deposits | 38.7111% | 6,514 |
| Total domestic deposits to total assets | 74.2887% | 6,421 |
| Equity capital to assets | 25.5691% | 84 |
| Core capital (leverage) ratio | 25.4596% | 82 |
| Tier 1 risk-based capital ratio | 70.8666% | 69 |
| Total risk-based capital ratio | 72.1122% | 69 |
| Memoranda: | ||
| Average total assets | $30,939,000 | 6,622 |
| Average earning assets | $27,704,330 | 6,620 |
| Average equity | $7,878,670 | 5,460 |
| Average total loans | $7,696,670 | 6,781 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4287% | 5,878 |
| Cost of funding earning assets | 0.2470% | 6,308 |
| Net interest margin | 3.1817% | 4,988 |
| Noninterest income to average assets | 0.0517% | 6,730 |
| Noninterest expense to average assets | 2.7792% | 3,768 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.1034% | 6,137 |
| Return on assets (ROA) | 0.1034% | 6,231 |
| Pretax return on assets | 0.1034% | 6,254 |
| Return on Equity (ROE) | 0.4069% | 6,345 |
| Retained earnings to average equity (ytd only) | 0.4069% | 5,657 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.4126% | 708 |
| Assets per employee ($millions) | 2.6058% | 6,489 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1660% | 1,653 |
| Loan loss allowance to noncurrent loans | 58.1882% | 4,803 |
| Noncurrent assets plus other real estate owned to assets | 0.9178% | 4,097 |
| Noncurrent loans to loans | 3.7224% | 1,260 |
| Net loans and leases to total assets | 24.1229% | 6,770 |
| Net loans and leases to deposits | 32.2819% | 6,683 |
| Net loans and leases to core deposits | 36.6005% | 6,607 |
| Total domestic deposits to total assets | 74.7258% | 6,486 |
| Equity capital to assets | 25.1623% | 94 |
| Core capital (leverage) ratio | 25.7798% | 81 |
| Tier 1 risk-based capital ratio | 70.7554% | 75 |
| Total risk-based capital ratio | 72.0054% | 74 |
| Memoranda: | ||
| Average total assets | $30,944,500 | 6,686 |
| Average earning assets | $27,532,500 | 6,687 |
| Average equity | $7,864,000 | 5,523 |
| Average total loans | $7,548,000 | 6,860 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5260% | 6,330 |
| Cost of funding earning assets | 0.2442% | 6,696 |
| Net interest margin | 3.2818% | 5,314 |
| Noninterest income to average assets | 0.0666% | 6,631 |
| Noninterest expense to average assets | 2.7752% | 4,121 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.2296% | 5,702 |
| Return on assets (ROA) | 0.2296% | 5,897 |
| Pretax return on assets | 0.2429% | 5,924 |
| Return on Equity (ROE) | 0.8816% | 6,156 |
| Retained earnings to average equity (ytd only) | 0.8816% | 5,428 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.9515% | 923 |
| Assets per employee ($millions) | 2.5517% | 6,576 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2610% | 1,438 |
| Loan loss allowance to noncurrent loans | 61.6236% | 4,602 |
| Noncurrent assets plus other real estate owned to assets | 0.8850% | 4,276 |
| Noncurrent loans to loans | 3.6691% | 1,326 |
| Net loans and leases to total assets | 23.5761% | 6,868 |
| Net loans and leases to deposits | 31.7612% | 6,791 |
| Net loans and leases to core deposits | 36.1456% | 6,723 |
| Total domestic deposits to total assets | 74.2293% | 6,507 |
| Equity capital to assets | 25.6695% | 90 |
| Core capital (leverage) ratio | 25.8018% | 86 |
| Tier 1 risk-based capital ratio | 72.2028% | 72 |
| Total risk-based capital ratio | 73.4521% | 72 |
| Memoranda: | ||
| Average total assets | $30,051,600 | 6,754 |
| Average earning assets | $27,027,600 | 6,735 |
| Average equity | $7,826,800 | 5,551 |
| Average total loans | $7,931,000 | 6,915 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5254% | 6,481 |
| Cost of funding earning assets | 0.2469% | 6,821 |
| Net interest margin | 3.2785% | 5,458 |
| Noninterest income to average assets | 0.0669% | 6,746 |
| Noninterest expense to average assets | 2.6836% | 4,435 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.2942% | 5,631 |
| Return on assets (ROA) | 0.2942% | 5,833 |
| Pretax return on assets | 0.3433% | 5,865 |
| Return on Equity (ROE) | 1.1255% | 6,226 |
| Retained earnings to average equity (ytd only) | 1.1255% | 5,719 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.6598% | 1,138 |
| Assets per employee ($millions) | 2.4884% | 6,704 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1206% | 1,864 |
| Loan loss allowance to noncurrent loans | 81.8627% | 3,776 |
| Noncurrent assets plus other real estate owned to assets | 0.6832% | 4,984 |
| Noncurrent loans to loans | 2.5905% | 2,205 |
| Net loans and leases to total assets | 25.8129% | 6,922 |
| Net loans and leases to deposits | 35.0874% | 6,833 |
| Net loans and leases to core deposits | 40.1228% | 6,733 |
| Total domestic deposits to total assets | 73.5675% | 6,633 |
| Equity capital to assets | 26.3119% | 97 |
| Core capital (leverage) ratio | 26.0545% | 88 |
| Tier 1 risk-based capital ratio | 70.4348% | 74 |
| Total risk-based capital ratio | 71.6809% | 74 |
| Memoranda: | ||
| Average total assets | $29,909,500 | 6,841 |
| Average earning assets | $27,003,750 | 6,824 |
| Average equity | $7,818,500 | 5,606 |
| Average total loans | $8,067,250 | 7,007 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5077% | 6,598 |
| Cost of funding earning assets | 0.2373% | 6,950 |
| Net interest margin | 3.2704% | 5,532 |
| Noninterest income to average assets | 0.0535% | 6,845 |
| Noninterest expense to average assets | 2.7067% | 4,389 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.2673% | 5,713 |
| Return on assets (ROA) | 0.2673% | 5,907 |
| Pretax return on assets | 0.2941% | 5,977 |
| Return on Equity (ROE) | 1.0249% | 6,296 |
| Retained earnings to average equity (ytd only) | 1.0249% | 5,667 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.2004% | 1,058 |
| Assets per employee ($millions) | 2.4812% | 6,782 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0622% | 2,078 |
| Loan loss allowance to noncurrent loans | 81.4634% | 3,736 |
| Noncurrent assets plus other real estate owned to assets | 0.6885% | 5,056 |
| Noncurrent loans to loans | 2.5315% | 2,378 |
| Net loans and leases to total assets | 26.6373% | 6,964 |
| Net loans and leases to deposits | 36.2146% | 6,869 |
| Net loans and leases to core deposits | 41.4281% | 6,754 |
| Total domestic deposits to total assets | 73.5541% | 6,707 |
| Equity capital to assets | 26.3015% | 89 |
| Core capital (leverage) ratio | 26.4695% | 82 |
| Tier 1 risk-based capital ratio | 69.5718% | 72 |
| Total risk-based capital ratio | 70.8244% | 72 |
| Memoranda: | ||
| Average total assets | $29,925,670 | 6,893 |
| Average earning assets | $26,969,000 | 6,878 |
| Average equity | $7,805,670 | 5,631 |
| Average total loans | $8,131,330 | 7,067 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4687% | 6,731 |
| Cost of funding earning assets | 0.2520% | 7,002 |
| Net interest margin | 3.2167% | 5,741 |
| Noninterest income to average assets | 0.0533% | 6,915 |
| Noninterest expense to average assets | 2.8932% | 3,648 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.0533% | 6,324 |
| Return on assets (ROA) | 0.0533% | 6,441 |
| Pretax return on assets | 0.0533% | 6,449 |
| Return on Equity (ROE) | 0.2053% | 6,487 |
| Retained earnings to average equity (ytd only) | 0.2053% | 5,913 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.1900% | 627 |
| Assets per employee ($millions) | 2.5011% | 6,846 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0488% | 2,221 |
| Loan loss allowance to noncurrent loans | 203.6585% | 1,630 |
| Noncurrent assets plus other real estate owned to assets | 0.2732% | 6,206 |
| Noncurrent loans to loans | 1.0060% | 4,663 |
| Net loans and leases to total assets | 26.6018% | 7,018 |
| Net loans and leases to deposits | 35.9883% | 6,892 |
| Net loans and leases to core deposits | 39.0836% | 6,844 |
| Total domestic deposits to total assets | 73.9180% | 6,755 |
| Equity capital to assets | 25.9721% | 85 |
| Core capital (leverage) ratio | 26.0519% | 81 |
| Tier 1 risk-based capital ratio | 68.7996% | 70 |
| Total risk-based capital ratio | 70.0530% | 69 |
| Memoranda: | ||
| Average total assets | $30,001,500 | 6,950 |
| Average earning assets | $26,984,500 | 6,929 |
| Average equity | $7,793,000 | 5,658 |
| Average total loans | $8,148,000 | 7,130 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4451% | 7,025 |
| Cost of funding earning assets | 0.2314% | 7,202 |
| Net interest margin | 3.2137% | 6,046 |
| Noninterest income to average assets | 0.0609% | 6,790 |
| Noninterest expense to average assets | 2.6543% | 4,910 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.3115% | 5,206 |
| Return on assets (ROA) | 0.3115% | 5,363 |
| Pretax return on assets | 0.3216% | 5,501 |
| Return on Equity (ROE) | 1.1888% | 5,921 |
| Retained earnings to average equity (ytd only) | 1.1888% | 5,296 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.1923% | 1,252 |
| Assets per employee ($millions) | 2.4992% | 6,831 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0503% | 2,128 |
| Loan loss allowance to noncurrent loans | 67.3387% | 4,158 |
| Noncurrent assets plus other real estate owned to assets | 0.8269% | 4,975 |
| Noncurrent loans to loans | 3.0448% | 2,126 |
| Net loans and leases to total assets | 26.6022% | 7,106 |
| Net loans and leases to deposits | 35.9872% | 7,001 |
| Net loans and leases to core deposits | 41.0962% | 6,913 |
| Total domestic deposits to total assets | 73.9213% | 6,724 |
| Equity capital to assets | 25.9787% | 92 |
| Core capital (leverage) ratio | 26.2473% | 92 |
| Tier 1 risk-based capital ratio | 68.7886% | 72 |
| Total risk-based capital ratio | 70.0424% | 72 |
| Memoranda: | ||
| Average total assets | $29,537,000 | 6,981 |
| Average earning assets | $26,791,600 | 6,963 |
| Average equity | $7,739,000 | 5,650 |
| Average total loans | $8,177,800 | 7,177 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4342% | 7,118 |
| Cost of funding earning assets | 0.2293% | 7,298 |
| Net interest margin | 3.2050% | 6,151 |
| Noninterest income to average assets | 0.0589% | 6,922 |
| Noninterest expense to average assets | 2.6554% | 4,885 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.2945% | 5,417 |
| Return on assets (ROA) | 0.2945% | 5,588 |
| Pretax return on assets | 0.3172% | 5,668 |
| Return on Equity (ROE) | 1.1217% | 6,042 |
| Retained earnings to average equity (ytd only) | 1.1217% | 5,565 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.3293% | 1,211 |
| Assets per employee ($millions) | 2.4608% | 6,930 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0491% | 2,209 |
| Loan loss allowance to noncurrent loans | 183.5165% | 1,662 |
| Noncurrent assets plus other real estate owned to assets | 0.3082% | 6,298 |
| Noncurrent loans to loans | 1.1166% | 4,684 |
| Net loans and leases to total assets | 27.0344% | 7,174 |
| Net loans and leases to deposits | 36.7288% | 7,067 |
| Net loans and leases to core deposits | 42.0623% | 6,982 |
| Total domestic deposits to total assets | 73.6056% | 6,804 |
| Equity capital to assets | 26.2928% | 104 |
| Core capital (leverage) ratio | 26.1335% | 105 |
| Tier 1 risk-based capital ratio | 69.2658% | 82 |
| Total risk-based capital ratio | 70.5148% | 82 |
| Memoranda: | ||
| Average total assets | $29,423,750 | 7,054 |
| Average earning assets | $26,749,500 | 7,037 |
| Average equity | $7,726,000 | 5,688 |
| Average total loans | $8,186,000 | 7,249 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3721% | 7,221 |
| Cost of funding earning assets | 0.2168% | 7,401 |
| Net interest margin | 3.1553% | 6,273 |
| Noninterest income to average assets | 0.0612% | 7,001 |
| Noninterest expense to average assets | 2.6677% | 4,946 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.2654% | 5,496 |
| Return on assets (ROA) | 0.2654% | 5,625 |
| Pretax return on assets | 0.2654% | 5,764 |
| Return on Equity (ROE) | 1.0112% | 6,084 |
| Retained earnings to average equity (ytd only) | 1.0112% | 5,460 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.9513% | 1,170 |
| Assets per employee ($millions) | 2.3215% | 7,098 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0428% | 2,249 |
| Loan loss allowance to noncurrent loans | 179.5699% | 1,677 |
| Noncurrent assets plus other real estate owned to assets | 0.3082% | 6,358 |
| Noncurrent loans to loans | 1.1376% | 4,757 |
| Net loans and leases to total assets | 26.5341% | 7,274 |
| Net loans and leases to deposits | 35.7548% | 7,175 |
| Net loans and leases to core deposits | 40.7615% | 7,111 |
| Total domestic deposits to total assets | 74.2114% | 6,814 |
| Equity capital to assets | 25.6395% | 117 |
| Core capital (leverage) ratio | 25.9334% | 112 |
| Tier 1 risk-based capital ratio | 67.8355% | 86 |
| Total risk-based capital ratio | 69.0892% | 85 |
| Memoranda: | ||
| Average total assets | $29,388,670 | 7,118 |
| Average earning assets | $26,748,670 | 7,103 |
| Average equity | $7,713,330 | 5,701 |
| Average total loans | $8,198,000 | 7,315 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3624% | 7,285 |
| Cost of funding earning assets | 0.2130% | 7,470 |
| Net interest margin | 3.1494% | 6,219 |
| Noninterest income to average assets | 0.0690% | 7,045 |
| Noninterest expense to average assets | 2.8697% | 4,194 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.0552% | 6,220 |
| Return on assets (ROA) | 0.0552% | 6,262 |
| Pretax return on assets | 0.0552% | 6,255 |
| Return on Equity (ROE) | 0.2078% | 6,345 |
| Retained earnings to average equity (ytd only) | 0.2078% | 5,733 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.1132% | 827 |
| Assets per employee ($millions) | 2.2891% | 7,190 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0433% | 2,305 |
| Loan loss allowance to noncurrent loans | 163.7255% | 1,787 |
| Noncurrent assets plus other real estate owned to assets | 0.3428% | 6,345 |
| Noncurrent loans to loans | 1.2480% | 4,601 |
| Net loans and leases to total assets | 26.9037% | 7,321 |
| Net loans and leases to deposits | 36.3496% | 7,216 |
| Net loans and leases to core deposits | 41.5378% | 7,122 |
| Total domestic deposits to total assets | 74.0137% | 6,898 |
| Equity capital to assets | 25.8855% | 106 |
| Core capital (leverage) ratio | 26.9025% | 95 |
| Tier 1 risk-based capital ratio | 67.8260% | 83 |
| Total risk-based capital ratio | 69.0763% | 83 |
| Memoranda: | ||
| Average total assets | $28,993,000 | 7,186 |
| Average earning assets | $26,291,000 | 7,166 |
| Average equity | $7,701,000 | 5,707 |
| Average total loans | $8,209,500 | 7,371 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4798% | 7,397 |
| Cost of funding earning assets | 0.3216% | 7,489 |
| Net interest margin | 3.1582% | 6,368 |
| Noninterest income to average assets | 0.0736% | 7,012 |
| Noninterest expense to average assets | 2.8302% | 4,475 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.1333% | 5,490 |
| Return on assets (ROA) | 0.1403% | 5,622 |
| Pretax return on assets | 0.1087% | 5,684 |
| Return on Equity (ROE) | 0.5208% | 5,827 |
| Retained earnings to average equity (ytd only) | 0.5208% | 5,316 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.5311% | 942 |
| Assets per employee ($millions) | 2.1714% | 7,321 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0252% | 2,238 |
| Loan loss allowance to noncurrent loans | 156.0748% | 1,910 |
| Noncurrent assets plus other real estate owned to assets | 0.3791% | 6,325 |
| Noncurrent loans to loans | 1.2976% | 4,547 |
| Net loans and leases to total assets | 28.6205% | 7,389 |
| Net loans and leases to deposits | 39.3944% | 7,275 |
| Net loans and leases to core deposits | 45.4976% | 7,158 |
| Total domestic deposits to total assets | 72.6513% | 7,029 |
| Equity capital to assets | 27.2743% | 96 |
| Core capital (leverage) ratio | 27.3286% | 101 |
| Tier 1 risk-based capital ratio | 69.8639% | 80 |
| Total risk-based capital ratio | 71.1162% | 77 |
| Memoranda: | ||
| Average total assets | $28,513,400 | 7,256 |
| Average earning assets | $25,805,800 | 7,237 |
| Average equity | $7,680,200 | 5,814 |
| Average total loans | $8,163,600 | 7,460 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4893% | 7,535 |
| Cost of funding earning assets | 0.3505% | 7,607 |
| Net interest margin | 3.1388% | 6,512 |
| Noninterest income to average assets | 0.0746% | 7,163 |
| Noninterest expense to average assets | 2.7380% | 4,731 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.1684% | 5,596 |
| Return on assets (ROA) | 0.1773% | 5,738 |
| Pretax return on assets | 0.1866% | 5,761 |
| Return on Equity (ROE) | 0.6602% | 5,978 |
| Retained earnings to average equity (ytd only) | 0.6602% | 5,540 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.9200% | 1,002 |
| Assets per employee ($millions) | 2.1495% | 7,423 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0738% | 2,062 |
| Loan loss allowance to noncurrent loans | 150.4505% | 1,879 |
| Noncurrent assets plus other real estate owned to assets | 0.3972% | 6,424 |
| Noncurrent loans to loans | 1.3784% | 4,558 |
| Net loans and leases to total assets | 28.2207% | 7,507 |
| Net loans and leases to deposits | 39.0087% | 7,396 |
| Net loans and leases to core deposits | 43.8965% | 7,328 |
| Total domestic deposits to total assets | 72.3447% | 7,102 |
| Equity capital to assets | 27.5444% | 107 |
| Core capital (leverage) ratio | 27.5434% | 100 |
| Tier 1 risk-based capital ratio | 71.5933% | 80 |
| Total risk-based capital ratio | 72.8304% | 79 |
| Memoranda: | ||
| Average total assets | $28,584,750 | 7,345 |
| Average earning assets | $25,868,750 | 7,324 |
| Average equity | $7,675,500 | 5,887 |
| Average total loans | $8,143,000 | 7,562 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5244% | 7,604 |
| Cost of funding earning assets | 0.4137% | 7,645 |
| Net interest margin | 3.1106% | 6,581 |
| Noninterest income to average assets | 0.0833% | 7,171 |
| Noninterest expense to average assets | 2.7432% | 4,727 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.1597% | 5,693 |
| Return on assets (ROA) | 0.1736% | 5,775 |
| Pretax return on assets | 0.1736% | 5,837 |
| Return on Equity (ROE) | 0.6520% | 6,042 |
| Retained earnings to average equity (ytd only) | 0.6520% | 5,500 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.4976% | 1,042 |
| Assets per employee ($millions) | 2.1518% | 7,473 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0745% | 2,023 |
| Loan loss allowance to noncurrent loans | 71.6738% | 3,767 |
| Noncurrent assets plus other real estate owned to assets | 0.8329% | 5,456 |
| Noncurrent loans to loans | 2.8944% | 2,761 |
| Net loans and leases to total assets | 28.1797% | 7,576 |
| Net loans and leases to deposits | 38.9765% | 7,466 |
| Net loans and leases to core deposits | 45.4771% | 7,372 |
| Total domestic deposits to total assets | 72.2993% | 7,158 |
| Equity capital to assets | 27.4684% | 106 |
| Core capital (leverage) ratio | 26.9832% | 105 |
| Tier 1 risk-based capital ratio | 70.8399% | 85 |
| Total risk-based capital ratio | 72.0937% | 83 |
| Memoranda: | ||
| Average total assets | $28,798,330 | 7,394 |
| Average earning assets | $26,104,000 | 7,369 |
| Average equity | $7,668,330 | 5,909 |
| Average total loans | $8,173,000 | 7,624 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5967% | 7,679 |
| Cost of funding earning assets | 0.4796% | 7,703 |
| Net interest margin | 3.1172% | 6,548 |
| Noninterest income to average assets | 0.1095% | 7,150 |
| Noninterest expense to average assets | 2.9441% | 3,888 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.0137% | 6,252 |
| Return on assets (ROA) | 0.0411% | 6,299 |
| Pretax return on assets | 0.0411% | 6,279 |
| Return on Equity (ROE) | 0.1566% | 6,363 |
| Retained earnings to average equity (ytd only) | 0.1566% | 5,763 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.5370% | 856 |
| Assets per employee ($millions) | 2.1689% | 7,569 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0496% | 2,064 |
| Loan loss allowance to noncurrent loans | 70.7627% | 3,818 |
| Noncurrent assets plus other real estate owned to assets | 0.8370% | 5,481 |
| Noncurrent loans to loans | 2.8964% | 2,784 |
| Net loans and leases to total assets | 28.3054% | 7,665 |
| Net loans and leases to deposits | 38.9640% | 7,548 |
| Net loans and leases to core deposits | 45.3646% | 7,451 |
| Total domestic deposits to total assets | 72.6451% | 7,200 |
| Equity capital to assets | 27.1741% | 114 |
| Core capital (leverage) ratio | 25.8101% | 127 |
| Tier 1 risk-based capital ratio | 69.8450% | 83 |
| Total risk-based capital ratio | 71.0939% | 83 |
| Memoranda: | ||
| Average total assets | $29,210,500 | 7,469 |
| Average earning assets | $26,691,000 | 7,440 |
| Average equity | $7,660,500 | 5,956 |
| Average total loans | $8,234,500 | 7,719 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9396% | 7,719 |
| Cost of funding earning assets | 0.5602% | 7,793 |
| Net interest margin | 3.3795% | 5,448 |
| Noninterest income to average assets | 0.0769% | 7,365 |
| Noninterest expense to average assets | 3.0198% | 4,072 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.2027% | 4,898 |
| Return on assets (ROA) | 0.2027% | 4,955 |
| Pretax return on assets | 0.2412% | 4,910 |
| Return on Equity (ROE) | 0.7592% | 5,307 |
| Retained earnings to average equity (ytd only) | 0.7592% | 4,479 |
| Net charge-offs to loans | 0.0591% | 6,502 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | 13.8000% | 1,402 |
| Efficiency ratio | 92.6045% | 1,519 |
| Assets per employee ($millions) | 2.3250% | 7,443 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0070% | 2,006 |
| Loan loss allowance to noncurrent loans | 103.0864% | 2,734 |
| Noncurrent assets plus other real estate owned to assets | 0.5360% | 6,115 |
| Noncurrent loans to loans | 1.9469% | 3,736 |
| Net loans and leases to total assets | 26.9777% | 7,771 |
| Net loans and leases to deposits | 36.2030% | 7,718 |
| Net loans and leases to core deposits | 45.0025% | 7,686 |
| Total domestic deposits to total assets | 74.5178% | 6,940 |
| Equity capital to assets | 25.3400% | 158 |
| Core capital (leverage) ratio | 25.5002% | 149 |
| Tier 1 risk-based capital ratio | 66.3922% | 95 |
| Total risk-based capital ratio | 67.6491% | 93 |
| Memoranda: | ||
| Average total assets | $28,611,600 | 7,520 |
| Average earning assets | $26,956,800 | 7,462 |
| Average equity | $7,639,400 | 6,039 |
| Average total loans | $8,457,200 | 7,766 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0501% | 7,787 |
| Cost of funding earning assets | 0.6058% | 7,882 |
| Net interest margin | 3.4443% | 5,089 |
| Noninterest income to average assets | 0.0804% | 7,500 |
| Noninterest expense to average assets | 2.9541% | 4,229 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.3261% | 4,698 |
| Return on assets (ROA) | 0.3261% | 4,802 |
| Pretax return on assets | 0.3782% | 4,854 |
| Return on Equity (ROE) | 1.2051% | 5,431 |
| Retained earnings to average equity (ytd only) | 1.2051% | 4,651 |
| Net charge-offs to loans | 0.0786% | 5,894 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 15.9910% | 1,502 |
| Efficiency ratio | 88.6525% | 1,808 |
| Assets per employee ($millions) | 2.1558% | 7,653 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9145% | 1,996 |
| Loan loss allowance to noncurrent loans | 253.0303% | 1,175 |
| Noncurrent assets plus other real estate owned to assets | 0.2355% | 6,929 |
| Noncurrent loans to loans | 0.7566% | 5,793 |
| Net loans and leases to total assets | 30.5299% | 7,793 |
| Net loans and leases to deposits | 42.1022% | 7,671 |
| Net loans and leases to core deposits | 53.7505% | 7,600 |
| Total domestic deposits to total assets | 72.5138% | 7,144 |
| Equity capital to assets | 27.3684% | 145 |
| Core capital (leverage) ratio | 28.0603% | 140 |
| Tier 1 risk-based capital ratio | 69.0929% | 94 |
| Total risk-based capital ratio | 70.3450% | 94 |
| Memoranda: | ||
| Average total assets | $28,208,250 | 7,605 |
| Average earning assets | $26,632,750 | 7,544 |
| Average equity | $7,634,500 | 6,101 |
| Average total loans | $8,491,250 | 7,840 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0353% | 7,893 |
| Cost of funding earning assets | 0.6564% | 7,954 |
| Net interest margin | 3.3789% | 5,253 |
| Noninterest income to average assets | 0.0849% | 7,552 |
| Noninterest expense to average assets | 2.9573% | 4,266 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.3042% | 4,881 |
| Return on assets (ROA) | 0.3042% | 4,993 |
| Pretax return on assets | 0.3325% | 5,120 |
| Return on Equity (ROE) | 1.1282% | 5,600 |
| Retained earnings to average equity (ytd only) | 1.1282% | 4,705 |
| Net charge-offs to loans | 0.1188% | 4,971 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 9.4000% | 2,136 |
| Efficiency ratio | 89.8925% | 1,827 |
| Assets per employee ($millions) | 2.1395% | 7,742 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9787% | 1,614 |
| Loan loss allowance to noncurrent loans | 119.2857% | 2,476 |
| Noncurrent assets plus other real estate owned to assets | 0.5034% | 6,182 |
| Noncurrent loans to loans | 1.6588% | 4,006 |
| Net loans and leases to total assets | 29.7451% | 7,892 |
| Net loans and leases to deposits | 41.2084% | 7,782 |
| Net loans and leases to core deposits | 52.2979% | 7,700 |
| Total domestic deposits to total assets | 72.1821% | 7,220 |
| Equity capital to assets | 27.4836% | 165 |
| Core capital (leverage) ratio | 27.2795% | 169 |
| Tier 1 risk-based capital ratio | 69.7764% | 105 |
| Total risk-based capital ratio | 71.0269% | 104 |
| Memoranda: | ||
| Average total assets | $28,269,330 | 7,674 |
| Average earning assets | $26,813,330 | 7,606 |
| Average equity | $7,622,670 | 6,139 |
| Average total loans | $8,414,000 | 7,933 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1258% | 7,931 |
| Cost of funding earning assets | 0.6530% | 8,018 |
| Net interest margin | 3.4728% | 4,842 |
| Noninterest income to average assets | 0.0842% | 7,633 |
| Noninterest expense to average assets | 3.0038% | 3,752 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.3088% | 5,266 |
| Return on assets (ROA) | 0.3088% | 5,439 |
| Pretax return on assets | 0.3649% | 5,500 |
| Return on Equity (ROE) | 1.1561% | 6,081 |
| Retained earnings to average equity (ytd only) | 1.1561% | 5,178 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.1667% | 1,792 |
| Assets per employee ($millions) | 2.1904% | 7,725 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0666% | 1,299 |
| Loan loss allowance to noncurrent loans | 2,457.1429% | 197 |
| Noncurrent assets plus other real estate owned to assets | 0.0246% | 7,552 |
| Noncurrent loans to loans | 0.0841% | 7,287 |
| Net loans and leases to total assets | 28.6251% | 7,946 |
| Net loans and leases to deposits | 39.2536% | 7,863 |
| Net loans and leases to core deposits | 49.3761% | 7,805 |
| Total domestic deposits to total assets | 72.9236% | 7,066 |
| Equity capital to assets | 26.7709% | 187 |
| Core capital (leverage) ratio | 26.1815% | 206 |
| Tier 1 risk-based capital ratio | 68.5398% | 114 |
| Total risk-based capital ratio | 69.7896% | 111 |
| Memoranda: | ||
| Average total assets | $28,497,500 | 7,712 |
| Average earning assets | $26,952,500 | 7,641 |
| Average equity | $7,612,000 | 6,182 |
| Average total loans | $8,401,000 | 7,983 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6060% | 8,009 |
| Cost of funding earning assets | 0.8854% | 8,094 |
| Net interest margin | 3.7207% | 4,382 |
| Noninterest income to average assets | 0.1478% | 7,357 |
| Noninterest expense to average assets | 2.7237% | 5,160 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.6809% | 3,980 |
| Return on assets (ROA) | 0.6735% | 3,850 |
| Pretax return on assets | 0.8937% | 3,747 |
| Return on Equity (ROE) | 2.7151% | 5,338 |
| Retained earnings to average equity (ytd only) | 2.0529% | 3,959 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.0906% | 3,386 |
| Assets per employee ($millions) | 2.1938% | 7,721 |
| Cash dividends to net income (ytd only)* | 24.3902% | 4,299 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0285% | 1,170 |
| Loan loss allowance to noncurrent loans | 3,440.0000% | 184 |
| Noncurrent assets plus other real estate owned to assets | 0.0175% | 7,535 |
| Noncurrent loans to loans | 0.0590% | 7,271 |
| Net loans and leases to total assets | 29.1269% | 8,014 |
| Net loans and leases to deposits | 39.8379% | 7,944 |
| Net loans and leases to core deposits | 50.3546% | 7,881 |
| Total domestic deposits to total assets | 73.1136% | 6,809 |
| Equity capital to assets | 26.6515% | 226 |
| Core capital (leverage) ratio | 26.6235% | 231 |
| Tier 1 risk-based capital ratio | 67.3430% | 127 |
| Total risk-based capital ratio | 68.6276% | 127 |
| Memoranda: | ||
| Average total assets | $30,436,600 | 7,626 |
| Average earning assets | $28,462,600 | 7,592 |
| Average equity | $7,550,400 | 6,258 |
| Average total loans | $8,449,400 | 8,012 |