Home > First Security Bank > Performance and Condition Ratios
First Security 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 | 6.1175% | 1,141 |
| Cost of funding earning assets | 2.9686% | 530 |
| Net interest margin | 3.1490% | 2,826 |
| Noninterest income to average assets | 0.2100% | 3,644 |
| Noninterest expense to average assets | 1.9324% | 3,730 |
| Loan and lease loss provision to assets | 0.3400% | 350 |
| Net operating income to assets | 0.9534% | 2,205 |
| Return on assets (ROA) | 0.9534% | 2,205 |
| Pretax return on assets | 0.9534% | 2,656 |
| Return on Equity (ROE) | 14.8900% | 947 |
| Retained earnings to average equity (ytd only) | 6.5420% | 1,605 |
| Net charge-offs to loans | 0.2887% | 517 |
| Credit loss provision to net charge-offs | 154.9669% | 1,380 |
| Earnings coverage of net charge-offs (x) | 5.8543% | 2,551 |
| Efficiency ratio | 59.8456% | 3,185 |
| Assets per employee ($millions) | 13.3222% | 313 |
| Cash dividends to net income (ytd only)* | 56.0769% | 1,360 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0676% | 2,862 |
| Loan loss allowance to noncurrent loans | 200.3328% | 2,168 |
| Noncurrent assets plus other real estate owned to assets | 0.4101% | 1,680 |
| Noncurrent loans to loans | 0.5329% | 1,742 |
| Net loans and leases to total assets | 76.1400% | 1,125 |
| Net loans and leases to deposits | 99.3279% | 520 |
| Net loans and leases to core deposits | 146.3931% | 188 |
| Total domestic deposits to total assets | 76.6500% | 3,898 |
| Equity capital to assets | 6.2998% | 4,140 |
| Core capital (leverage) ratio | 7.6286% | 4,374 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2551% | 2,699 |
| Memoranda: | ||
| Average total assets | $136,358,400 | 3,483 |
| Average earning assets | $130,804,000 | 3,429 |
| Average equity | $8,728,200 | 3,899 |
| Average total loans | $104,602,400 | 3,169 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1250% | 1,101 |
| Cost of funding earning assets | 2.9406% | 559 |
| Net interest margin | 3.1845% | 2,727 |
| Noninterest income to average assets | 0.2000% | 3,691 |
| Noninterest expense to average assets | 1.9629% | 3,644 |
| Loan and lease loss provision to assets | 0.3700% | 273 |
| Net operating income to assets | 0.9286% | 2,285 |
| Return on assets (ROA) | 0.9286% | 2,296 |
| Pretax return on assets | 0.9286% | 2,741 |
| Return on Equity (ROE) | 14.4500% | 1,059 |
| Retained earnings to average equity (ytd only) | 4.8668% | 2,523 |
| Net charge-offs to loans | 0.3055% | 421 |
| Credit loss provision to net charge-offs | 156.5957% | 1,253 |
| Earnings coverage of net charge-offs (x) | 5.5319% | 2,365 |
| Efficiency ratio | 60.2446% | 3,137 |
| Assets per employee ($millions) | 14.0479% | 272 |
| Cash dividends to net income (ytd only)* | 66.3090% | 799 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0772% | 2,871 |
| Loan loss allowance to noncurrent loans | 244.9791% | 1,975 |
| Noncurrent assets plus other real estate owned to assets | 0.3403% | 1,850 |
| Noncurrent loans to loans | 0.4397% | 1,978 |
| Net loans and leases to total assets | 76.5500% | 1,052 |
| Net loans and leases to deposits | 95.2910% | 763 |
| Net loans and leases to core deposits | 142.7032% | 225 |
| Total domestic deposits to total assets | 80.3300% | 3,416 |
| Equity capital to assets | 6.5220% | 4,235 |
| Core capital (leverage) ratio | 7.5434% | 4,413 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.0072% | 2,768 |
| Memoranda: | ||
| Average total assets | $133,812,000 | 3,500 |
| Average earning assets | $128,453,250 | 3,460 |
| Average equity | $8,602,250 | 3,926 |
| Average total loans | $102,559,000 | 3,189 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0851% | 1,052 |
| Cost of funding earning assets | 2.8879% | 559 |
| Net interest margin | 3.1972% | 2,638 |
| Noninterest income to average assets | 0.2100% | 3,620 |
| Noninterest expense to average assets | 2.0503% | 3,445 |
| Loan and lease loss provision to assets | 0.3300% | 291 |
| Net operating income to assets | 0.7037% | 2,931 |
| Return on assets (ROA) | 0.7037% | 2,949 |
| Pretax return on assets | 0.8952% | 2,774 |
| Return on Equity (ROE) | 11.0000% | 1,885 |
| Retained earnings to average equity (ytd only) | 3.4222% | 2,917 |
| Net charge-offs to loans | 0.1035% | 849 |
| Credit loss provision to net charge-offs | 413.4615% | 699 |
| Earnings coverage of net charge-offs (x) | 15.4615% | 1,776 |
| Efficiency ratio | 62.6568% | 2,923 |
| Assets per employee ($millions) | 12.1696% | 398 |
| Cash dividends to net income (ytd only)* | 68.8985% | 890 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1886% | 2,302 |
| Loan loss allowance to noncurrent loans | 161.2081% | 2,563 |
| Noncurrent assets plus other real estate owned to assets | 0.5565% | 1,226 |
| Noncurrent loans to loans | 0.7373% | 1,263 |
| Net loans and leases to total assets | 74.5900% | 1,355 |
| Net loans and leases to deposits | 88.3905% | 1,450 |
| Net loans and leases to core deposits | 170.8621% | 95 |
| Total domestic deposits to total assets | 84.3800% | 2,500 |
| Equity capital to assets | 6.3011% | 4,161 |
| Core capital (leverage) ratio | 7.6606% | 4,410 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3725% | 2,727 |
| Memoranda: | ||
| Average total assets | $131,589,667 | 3,532 |
| Average earning assets | $126,112,000 | 3,492 |
| Average equity | $8,415,667 | 3,927 |
| Average total loans | $100,510,333 | 3,210 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0178% | 1,040 |
| Cost of funding earning assets | 2.8638% | 539 |
| Net interest margin | 3.1540% | 2,659 |
| Noninterest income to average assets | 0.2100% | 3,582 |
| Noninterest expense to average assets | 2.0881% | 3,353 |
| Loan and lease loss provision to assets | 0.0500% | 1,722 |
| Net operating income to assets | 0.7175% | 2,783 |
| Return on assets (ROA) | 0.7175% | 2,804 |
| Pretax return on assets | 1.1039% | 2,132 |
| Return on Equity (ROE) | 11.1300% | 1,813 |
| Retained earnings to average equity (ytd only) | 7.7564% | 1,623 |
| Net charge-offs to loans | 0.0678% | 911 |
| Credit loss provision to net charge-offs | 88.2353% | 1,246 |
| Earnings coverage of net charge-offs (x) | 22.0588% | 1,317 |
| Efficiency ratio | 64.4886% | 2,758 |
| Assets per employee ($millions) | 11.9717% | 431 |
| Cash dividends to net income (ytd only)* | 30.3419% | 1,791 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0218% | 3,192 |
| Loan loss allowance to noncurrent loans | 142.1125% | 2,786 |
| Noncurrent assets plus other real estate owned to assets | 0.5536% | 1,160 |
| Noncurrent loans to loans | 0.7190% | 1,236 |
| Net loans and leases to total assets | 76.2100% | 1,043 |
| Net loans and leases to deposits | 105.1839% | 297 |
| Net loans and leases to core deposits | 133.3723% | 362 |
| Total domestic deposits to total assets | 72.4500% | 4,211 |
| Equity capital to assets | 6.4189% | 4,100 |
| Core capital (leverage) ratio | 7.8002% | 4,403 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2825% | 2,753 |
| Memoranda: | ||
| Average total assets | $130,451,500 | 3,552 |
| Average earning assets | $125,428,500 | 3,506 |
| Average equity | $8,406,000 | 3,950 |
| Average total loans | $100,242,500 | 3,218 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6591% | 975 |
| Cost of funding earning assets | 2.1764% | 674 |
| Net interest margin | 3.4828% | 2,226 |
| Noninterest income to average assets | 0.2200% | 3,634 |
| Noninterest expense to average assets | 2.1169% | 3,368 |
| Loan and lease loss provision to assets | 0.1900% | 662 |
| Net operating income to assets | 1.1181% | 1,867 |
| Return on assets (ROA) | 1.1165% | 1,846 |
| Pretax return on assets | 1.2259% | 2,074 |
| Return on Equity (ROE) | 19.0000% | 709 |
| Retained earnings to average equity (ytd only) | 12.5396% | 571 |
| Net charge-offs to loans | 0.0244% | 1,826 |
| Credit loss provision to net charge-offs | 1,038.0952% | 397 |
| Earnings coverage of net charge-offs (x) | 78.2857% | 1,034 |
| Efficiency ratio | 59.9318% | 3,085 |
| Assets per employee ($millions) | 11.7467% | 438 |
| Cash dividends to net income (ytd only)* | 34.0015% | 2,392 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0475% | 3,080 |
| Loan loss allowance to noncurrent loans | 161.1801% | 2,764 |
| Noncurrent assets plus other real estate owned to assets | 0.4984% | 1,131 |
| Noncurrent loans to loans | 0.6499% | 1,206 |
| Net loans and leases to total assets | 75.8900% | 1,133 |
| Net loans and leases to deposits | 107.9711% | 240 |
| Net loans and leases to core deposits | 127.1559% | 458 |
| Total domestic deposits to total assets | 70.2800% | 4,282 |
| Equity capital to assets | 6.4691% | 4,129 |
| Core capital (leverage) ratio | 8.0696% | 4,325 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3813% | 2,743 |
| Memoranda: | ||
| Average total assets | $116,162,600 | 3,695 |
| Average earning assets | $110,458,600 | 3,644 |
| Average equity | $6,826,400 | 4,067 |
| Average total loans | $86,103,200 | 3,348 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5738% | 933 |
| Cost of funding earning assets | 2.0286% | 668 |
| Net interest margin | 3.5451% | 2,118 |
| Noninterest income to average assets | 0.2400% | 3,510 |
| Noninterest expense to average assets | 2.1553% | 3,198 |
| Loan and lease loss provision to assets | 0.1200% | 978 |
| Net operating income to assets | 1.1701% | 1,880 |
| Return on assets (ROA) | 1.1680% | 1,861 |
| Pretax return on assets | 1.3180% | 1,985 |
| Return on Equity (ROE) | 20.4700% | 681 |
| Retained earnings to average equity (ytd only) | 13.6574% | 719 |
| Net charge-offs to loans | -0.0097% | 3,924 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 59.8950% | 2,976 |
| Assets per employee ($millions) | 11.1505% | 479 |
| Cash dividends to net income (ytd only)* | 33.2659% | 1,943 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0404% | 3,151 |
| Loan loss allowance to noncurrent loans | 342.0863% | 1,846 |
| Noncurrent assets plus other real estate owned to assets | 0.2267% | 2,126 |
| Noncurrent loans to loans | 0.3041% | 2,145 |
| Net loans and leases to total assets | 73.7500% | 1,366 |
| Net loans and leases to deposits | 100.7923% | 477 |
| Net loans and leases to core deposits | 119.2598% | 571 |
| Total domestic deposits to total assets | 73.1700% | 4,210 |
| Equity capital to assets | 5.2439% | 4,201 |
| Core capital (leverage) ratio | 7.5600% | 4,488 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.8118% | 2,850 |
| Memoranda: | ||
| Average total assets | $112,899,750 | 3,731 |
| Average earning assets | $106,998,250 | 3,686 |
| Average equity | $6,443,250 | 4,115 |
| Average total loans | $82,855,750 | 3,383 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3295% | 1,042 |
| Cost of funding earning assets | 1.8791% | 640 |
| Net interest margin | 3.4504% | 2,388 |
| Noninterest income to average assets | 0.2600% | 3,340 |
| Noninterest expense to average assets | 2.2308% | 2,990 |
| Loan and lease loss provision to assets | 0.0800% | 1,369 |
| Net operating income to assets | 0.9843% | 2,470 |
| Return on assets (ROA) | 0.9813% | 2,461 |
| Pretax return on assets | 1.2130% | 2,324 |
| Return on Equity (ROE) | 16.6900% | 1,148 |
| Retained earnings to average equity (ytd only) | 9.3687% | 1,582 |
| Net charge-offs to loans | -0.0075% | 3,829 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 63.2368% | 2,569 |
| Assets per employee ($millions) | 10.4262% | 588 |
| Cash dividends to net income (ytd only)* | 43.8662% | 1,539 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0444% | 3,226 |
| Loan loss allowance to noncurrent loans | 3,288.8889% | 374 |
| Noncurrent assets plus other real estate owned to assets | 0.0235% | 3,565 |
| Noncurrent loans to loans | 0.0318% | 3,513 |
| Net loans and leases to total assets | 73.3600% | 1,363 |
| Net loans and leases to deposits | 95.4528% | 765 |
| Net loans and leases to core deposits | 109.8139% | 835 |
| Total domestic deposits to total assets | 76.8500% | 3,965 |
| Equity capital to assets | 5.6737% | 4,243 |
| Core capital (leverage) ratio | 7.7251% | 4,482 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.8720% | 2,860 |
| Memoranda: | ||
| Average total assets | $109,647,667 | 3,776 |
| Average earning assets | $103,987,333 | 3,738 |
| Average equity | $6,447,000 | 4,144 |
| Average total loans | $80,005,667 | 3,417 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1023% | 1,087 |
| Cost of funding earning assets | 1.7152% | 553 |
| Net interest margin | 3.3870% | 2,668 |
| Noninterest income to average assets | 0.2800% | 3,222 |
| Noninterest expense to average assets | 2.8303% | 1,369 |
| Loan and lease loss provision to assets | 0.0400% | 1,925 |
| Net operating income to assets | 0.6049% | 3,679 |
| Return on assets (ROA) | 0.6049% | 3,641 |
| Pretax return on assets | 0.6049% | 3,829 |
| Return on Equity (ROE) | 10.1000% | 2,757 |
| Retained earnings to average equity (ytd only) | 4.6751% | 3,093 |
| Net charge-offs to loans | -0.0052% | 3,648 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 81.3305% | 749 |
| Assets per employee ($millions) | 9.9074% | 726 |
| Cash dividends to net income (ytd only)* | 53.7037% | 1,103 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0839% | 3,137 |
| Loan loss allowance to noncurrent loans | 798.1308% | 1,158 |
| Noncurrent assets plus other real estate owned to assets | 0.0982% | 2,847 |
| Noncurrent loans to loans | 0.1358% | 2,828 |
| Net loans and leases to total assets | 71.5100% | 1,470 |
| Net loans and leases to deposits | 90.1265% | 1,036 |
| Net loans and leases to core deposits | 105.2023% | 869 |
| Total domestic deposits to total assets | 79.3500% | 3,856 |
| Equity capital to assets | 6.0460% | 4,185 |
| Core capital (leverage) ratio | 7.8169% | 4,496 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2529% | 2,911 |
| Memoranda: | ||
| Average total assets | $107,127,500 | 3,844 |
| Average earning assets | $101,210,000 | 3,809 |
| Average equity | $6,417,000 | 4,203 |
| Average total loans | $77,497,000 | 3,490 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4774% | 749 |
| Cost of funding earning assets | 0.5668% | 1,034 |
| Net interest margin | 3.9106% | 932 |
| Noninterest income to average assets | 0.3100% | 3,270 |
| Noninterest expense to average assets | 2.4998% | 2,114 |
| Loan and lease loss provision to assets | 0.1000% | 1,238 |
| Net operating income to assets | 1.3030% | 1,413 |
| Return on assets (ROA) | 1.3160% | 1,337 |
| Pretax return on assets | 1.4553% | 1,596 |
| Return on Equity (ROE) | 19.6700% | 510 |
| Retained earnings to average equity (ytd only) | 11.2290% | 835 |
| Net charge-offs to loans | 0.0186% | 1,725 |
| Credit loss provision to net charge-offs | 715.3846% | 537 |
| Earnings coverage of net charge-offs (x) | 114.5385% | 907 |
| Efficiency ratio | 61.9279% | 2,772 |
| Assets per employee ($millions) | 9.5704% | 767 |
| Cash dividends to net income (ytd only)* | 42.9020% | 1,744 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1036% | 2,878 |
| Loan loss allowance to noncurrent loans | 3,114.8148% | 432 |
| Noncurrent assets plus other real estate owned to assets | 0.0256% | 3,573 |
| Noncurrent loans to loans | 0.0354% | 3,527 |
| Net loans and leases to total assets | 71.5900% | 1,462 |
| Net loans and leases to deposits | 86.8467% | 1,259 |
| Net loans and leases to core deposits | 95.3407% | 1,236 |
| Total domestic deposits to total assets | 82.4300% | 3,544 |
| Equity capital to assets | 5.9321% | 4,114 |
| Core capital (leverage) ratio | 7.9794% | 4,430 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3790% | 2,895 |
| Memoranda: | ||
| Average total assets | $96,887,800 | 3,953 |
| Average earning assets | $92,442,200 | 3,911 |
| Average equity | $6,483,200 | 4,275 |
| Average total loans | $69,919,400 | 3,580 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2689% | 783 |
| Cost of funding earning assets | 0.3791% | 1,449 |
| Net interest margin | 3.8898% | 819 |
| Noninterest income to average assets | 0.3000% | 3,360 |
| Noninterest expense to average assets | 2.5206% | 1,953 |
| Loan and lease loss provision to assets | 0.0500% | 1,750 |
| Net operating income to assets | 1.2657% | 1,473 |
| Return on assets (ROA) | 1.2828% | 1,385 |
| Pretax return on assets | 1.4727% | 1,488 |
| Return on Equity (ROE) | 18.5800% | 569 |
| Retained earnings to average equity (ytd only) | 11.5341% | 909 |
| Net charge-offs to loans | 0.0293% | 1,243 |
| Credit loss provision to net charge-offs | 220.0000% | 937 |
| Earnings coverage of net charge-offs (x) | 71.0667% | 1,099 |
| Efficiency ratio | 62.7012% | 2,736 |
| Assets per employee ($millions) | 9.0491% | 880 |
| Cash dividends to net income (ytd only)* | 37.9386% | 1,678 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0688% | 3,153 |
| Loan loss allowance to noncurrent loans | 2,885.1852% | 425 |
| Noncurrent assets plus other real estate owned to assets | 0.0271% | 3,660 |
| Noncurrent loans to loans | 0.0370% | 3,628 |
| Net loans and leases to total assets | 72.4400% | 1,238 |
| Net loans and leases to deposits | 86.9211% | 1,113 |
| Net loans and leases to core deposits | 91.8924% | 1,186 |
| Total domestic deposits to total assets | 83.3400% | 3,637 |
| Equity capital to assets | 5.8630% | 4,012 |
| Core capital (leverage) ratio | 8.1871% | 4,285 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5457% | 2,932 |
| Memoranda: | ||
| Average total assets | $94,791,250 | 3,999 |
| Average earning assets | $90,730,750 | 3,953 |
| Average equity | $6,542,750 | 4,308 |
| Average total loans | $68,348,250 | 3,616 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1032% | 762 |
| Cost of funding earning assets | 0.3094% | 1,634 |
| Net interest margin | 3.7938% | 762 |
| Noninterest income to average assets | 0.3090% | 3,310 |
| Noninterest expense to average assets | 2.4805% | 1,995 |
| Loan and lease loss provision to assets | 0.0451% | 1,771 |
| Net operating income to assets | 1.1304% | 1,662 |
| Return on assets (ROA) | 1.1544% | 1,569 |
| Pretax return on assets | 1.4441% | 1,322 |
| Return on Equity (ROE) | 15.8741% | 726 |
| Retained earnings to average equity (ytd only) | 8.7632% | 1,353 |
| Net charge-offs to loans | 0.0479% | 917 |
| Credit loss provision to net charge-offs | 131.2500% | 1,151 |
| Earnings coverage of net charge-offs (x) | 42.5000% | 1,232 |
| Efficiency ratio | 62.9630% | 2,925 |
| Assets per employee ($millions) | 9.5204% | 747 |
| Cash dividends to net income (ytd only)* | 44.7955% | 1,525 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1119% | 3,121 |
| Loan loss allowance to noncurrent loans | 2,641.3793% | 432 |
| Noncurrent assets plus other real estate owned to assets | 0.0305% | 3,674 |
| Noncurrent loans to loans | 0.0421% | 3,630 |
| Net loans and leases to total assets | 71.5590% | 1,156 |
| Net loans and leases to deposits | 83.7898% | 1,135 |
| Net loans and leases to core deposits | 89.2848% | 1,160 |
| Total domestic deposits to total assets | 85.4029% | 3,394 |
| Equity capital to assets | 6.4976% | 4,024 |
| Core capital (leverage) ratio | 8.3392% | 4,081 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5603% | 2,912 |
| Memoranda: | ||
| Average total assets | $93,208,333 | 4,053 |
| Average earning assets | $89,198,667 | 4,018 |
| Average equity | $6,778,333 | 4,339 |
| Average total loans | $66,835,333 | 3,676 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8968% | 929 |
| Cost of funding earning assets | 0.2987% | 1,672 |
| Net interest margin | 3.5981% | 898 |
| Noninterest income to average assets | 0.3600% | 2,934 |
| Noninterest expense to average assets | 2.6461% | 1,487 |
| Loan and lease loss provision to assets | 0.0434% | 1,577 |
| Net operating income to assets | 0.5336% | 3,613 |
| Return on assets (ROA) | 0.5336% | 3,582 |
| Pretax return on assets | 1.1192% | 2,079 |
| Return on Equity (ROE) | 6.9546% | 3,051 |
| Retained earnings to average equity (ytd only) | 1.7528% | 3,616 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4761% | 2,305 |
| Assets per employee ($millions) | 9.2015% | 855 |
| Cash dividends to net income (ytd only)* | 74.7967% | 782 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1855% | 2,934 |
| Loan loss allowance to noncurrent loans | 1,640.4255% | 628 |
| Noncurrent assets plus other real estate owned to assets | 0.0511% | 3,530 |
| Noncurrent loans to loans | 0.0723% | 3,492 |
| Net loans and leases to total assets | 69.8408% | 1,038 |
| Net loans and leases to deposits | 79.6105% | 1,173 |
| Net loans and leases to core deposits | 84.8605% | 1,195 |
| Total domestic deposits to total assets | 87.7281% | 2,656 |
| Equity capital to assets | 7.1890% | 4,105 |
| Core capital (leverage) ratio | 8.0654% | 4,261 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7307% | 2,946 |
| Memoranda: | ||
| Average total assets | $92,210,500 | 4,078 |
| Average earning assets | $88,380,000 | 4,040 |
| Average equity | $7,074,500 | 4,354 |
| Average total loans | $65,806,500 | 3,701 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3677% | 757 |
| Cost of funding earning assets | 0.3340% | 2,078 |
| Net interest margin | 4.0336% | 662 |
| Noninterest income to average assets | 0.3849% | 3,134 |
| Noninterest expense to average assets | 2.5832% | 1,913 |
| Loan and lease loss provision to assets | 0.1131% | 1,114 |
| Net operating income to assets | 1.5360% | 941 |
| Return on assets (ROA) | 1.5520% | 938 |
| Pretax return on assets | 1.5520% | 1,563 |
| Return on Equity (ROE) | 18.5286% | 419 |
| Retained earnings to average equity (ytd only) | 9.6120% | 1,013 |
| Net charge-offs to loans | -0.0049% | 3,551 |
| Credit loss provision to net charge-offs | -3,300.0000% | 4,119 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0362% | 2,991 |
| Assets per employee ($millions) | 8.4005% | 1,120 |
| Cash dividends to net income (ytd only)* | 48.1236% | 1,622 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1430% | 3,160 |
| Loan loss allowance to noncurrent loans | 1,207.9365% | 766 |
| Noncurrent assets plus other real estate owned to assets | 0.0682% | 3,486 |
| Noncurrent loans to loans | 0.0946% | 3,449 |
| Net loans and leases to total assets | 71.2259% | 906 |
| Net loans and leases to deposits | 83.1306% | 978 |
| Net loans and leases to core deposits | 88.7141% | 1,034 |
| Total domestic deposits to total assets | 85.6795% | 3,022 |
| Equity capital to assets | 8.1532% | 4,271 |
| Core capital (leverage) ratio | 8.0700% | 4,315 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5423% | 2,978 |
| Memoranda: | ||
| Average total assets | $87,565,000 | 4,126 |
| Average earning assets | $83,522,800 | 4,085 |
| Average equity | $7,334,600 | 4,394 |
| Average total loans | $61,189,800 | 3,796 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3455% | 892 |
| Cost of funding earning assets | 0.3419% | 2,191 |
| Net interest margin | 4.0036% | 792 |
| Noninterest income to average assets | 0.3845% | 3,179 |
| Noninterest expense to average assets | 2.5383% | 2,009 |
| Loan and lease loss provision to assets | 0.1054% | 1,150 |
| Net operating income to assets | 1.5563% | 1,129 |
| Return on assets (ROA) | 1.5779% | 1,130 |
| Pretax return on assets | 1.5779% | 1,768 |
| Return on Equity (ROE) | 18.7053% | 545 |
| Retained earnings to average equity (ytd only) | 11.0914% | 1,045 |
| Net charge-offs to loans | -0.0045% | 3,397 |
| Credit loss provision to net charge-offs | -3,400.0000% | 4,089 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4412% | 2,921 |
| Assets per employee ($millions) | 9.0261% | 888 |
| Cash dividends to net income (ytd only)* | 40.7045% | 1,585 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1243% | 3,323 |
| Loan loss allowance to noncurrent loans | 2,351.6129% | 413 |
| Noncurrent assets plus other real estate owned to assets | 0.0343% | 3,927 |
| Noncurrent loans to loans | 0.0478% | 3,875 |
| Net loans and leases to total assets | 71.0318% | 984 |
| Net loans and leases to deposits | 83.4622% | 1,002 |
| Net loans and leases to core deposits | 89.2381% | 1,079 |
| Total domestic deposits to total assets | 85.1065% | 3,077 |
| Equity capital to assets | 8.3746% | 4,291 |
| Core capital (leverage) ratio | 8.3297% | 4,191 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6588% | 3,024 |
| Memoranda: | ||
| Average total assets | $86,354,750 | 4,190 |
| Average earning assets | $82,290,750 | 4,154 |
| Average equity | $7,284,750 | 4,456 |
| Average total loans | $59,842,750 | 3,870 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1014% | 1,347 |
| Cost of funding earning assets | 0.3511% | 2,310 |
| Net interest margin | 3.7503% | 1,221 |
| Noninterest income to average assets | 0.4374% | 2,922 |
| Noninterest expense to average assets | 2.4738% | 2,230 |
| Loan and lease loss provision to assets | 0.0282% | 2,416 |
| Net operating income to assets | 1.5026% | 1,281 |
| Return on assets (ROA) | 1.5120% | 1,324 |
| Pretax return on assets | 1.5120% | 1,979 |
| Return on Equity (ROE) | 17.8777% | 670 |
| Retained earnings to average equity (ytd only) | 10.3707% | 1,295 |
| Net charge-offs to loans | -0.0069% | 3,534 |
| Credit loss provision to net charge-offs | -600.0000% | 3,521 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7733% | 2,763 |
| Assets per employee ($millions) | 7.2902% | 1,603 |
| Cash dividends to net income (ytd only)* | 41.9907% | 1,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0923% | 3,452 |
| Loan loss allowance to noncurrent loans | 2,039.3939% | 412 |
| Noncurrent assets plus other real estate owned to assets | 0.0377% | 4,004 |
| Noncurrent loans to loans | 0.0536% | 3,907 |
| Net loans and leases to total assets | 69.6578% | 1,241 |
| Net loans and leases to deposits | 78.9608% | 1,523 |
| Net loans and leases to core deposits | 84.3760% | 1,531 |
| Total domestic deposits to total assets | 88.2181% | 1,710 |
| Equity capital to assets | 8.4029% | 4,280 |
| Core capital (leverage) ratio | 8.2942% | 4,178 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1058% | 2,941 |
| Memoranda: | ||
| Average total assets | $85,052,667 | 4,230 |
| Average earning assets | $80,900,000 | 4,194 |
| Average equity | $7,193,333 | 4,492 |
| Average total loans | $58,176,000 | 3,925 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7900% | 2,128 |
| Cost of funding earning assets | 0.3664% | 2,389 |
| Net interest margin | 3.4235% | 2,045 |
| Noninterest income to average assets | 0.4914% | 2,647 |
| Noninterest expense to average assets | 2.5335% | 2,078 |
| Loan and lease loss provision to assets | 0.0286% | 2,411 |
| Net operating income to assets | 1.1832% | 2,218 |
| Return on assets (ROA) | 1.1832% | 2,287 |
| Pretax return on assets | 1.1832% | 2,890 |
| Return on Equity (ROE) | 13.9434% | 1,440 |
| Retained earnings to average equity (ytd only) | 9.1082% | 1,917 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6433% | 1,987 |
| Assets per employee ($millions) | 7.1299% | 1,709 |
| Cash dividends to net income (ytd only)* | 34.6774% | 1,574 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1816% | 3,024 |
| Loan loss allowance to noncurrent loans | 1,900.0000% | 386 |
| Noncurrent assets plus other real estate owned to assets | 0.0409% | 4,082 |
| Noncurrent loans to loans | 0.0622% | 3,976 |
| Net loans and leases to total assets | 65.0043% | 1,921 |
| Net loans and leases to deposits | 71.7639% | 2,337 |
| Net loans and leases to core deposits | 76.9083% | 2,276 |
| Total domestic deposits to total assets | 90.5808% | 553 |
| Equity capital to assets | 8.2902% | 4,287 |
| Core capital (leverage) ratio | 8.3993% | 4,225 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9379% | 2,691 |
| Memoranda: | ||
| Average total assets | $83,838,000 | 4,258 |
| Average earning assets | $79,684,000 | 4,226 |
| Average equity | $7,114,500 | 4,517 |
| Average total loans | $56,458,500 | 3,983 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4448% | 1,454 |
| Cost of funding earning assets | 0.5953% | 2,346 |
| Net interest margin | 3.8495% | 1,356 |
| Noninterest income to average assets | 0.4013% | 3,082 |
| Noninterest expense to average assets | 2.6300% | 2,451 |
| Loan and lease loss provision to assets | 0.1368% | 2,650 |
| Net operating income to assets | 1.2841% | 1,294 |
| Return on assets (ROA) | 1.3223% | 1,293 |
| Pretax return on assets | 1.3223% | 1,910 |
| Return on Equity (ROE) | 15.1447% | 619 |
| Retained earnings to average equity (ytd only) | 8.2128% | 992 |
| Net charge-offs to loans | 0.0407% | 2,242 |
| Credit loss provision to net charge-offs | 495.2381% | 1,263 |
| Earnings coverage of net charge-offs (x) | 51.4286% | 1,173 |
| Efficiency ratio | 64.9237% | 2,687 |
| Assets per employee ($millions) | 9.1241% | 711 |
| Cash dividends to net income (ytd only)* | 45.7711% | 2,062 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1636% | 3,138 |
| Loan loss allowance to noncurrent loans | 1,432.6087% | 500 |
| Noncurrent assets plus other real estate owned to assets | 0.0560% | 4,060 |
| Noncurrent loans to loans | 0.0812% | 3,963 |
| Net loans and leases to total assets | 68.1662% | 1,807 |
| Net loans and leases to deposits | 79.6052% | 1,912 |
| Net loans and leases to core deposits | 85.9028% | 1,878 |
| Total domestic deposits to total assets | 85.6303% | 2,521 |
| Equity capital to assets | 8.6900% | 4,299 |
| Core capital (leverage) ratio | 8.3078% | 4,402 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4455% | 2,817 |
| Memoranda: | ||
| Average total assets | $76,006,200 | 4,293 |
| Average earning assets | $72,062,000 | 4,268 |
| Average equity | $6,636,000 | 4,570 |
| Average total loans | $51,630,200 | 4,079 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3018% | 2,094 |
| Cost of funding earning assets | 0.6434% | 2,366 |
| Net interest margin | 3.6584% | 2,072 |
| Noninterest income to average assets | 0.4135% | 3,011 |
| Noninterest expense to average assets | 2.5224% | 2,770 |
| Loan and lease loss provision to assets | 0.0591% | 3,611 |
| Net operating income to assets | 1.3033% | 1,352 |
| Return on assets (ROA) | 1.3444% | 1,345 |
| Pretax return on assets | 1.3444% | 1,892 |
| Return on Equity (ROE) | 15.3787% | 633 |
| Retained earnings to average equity (ytd only) | 8.3549% | 1,191 |
| Net charge-offs to loans | 0.0582% | 1,776 |
| Credit loss provision to net charge-offs | 150.0000% | 2,323 |
| Earnings coverage of net charge-offs (x) | 34.5909% | 1,476 |
| Efficiency ratio | 64.9309% | 2,605 |
| Assets per employee ($millions) | 8.7123% | 771 |
| Cash dividends to net income (ytd only)* | 45.6724% | 1,682 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0892% | 3,264 |
| Loan loss allowance to noncurrent loans | 1,248.9362% | 494 |
| Noncurrent assets plus other real estate owned to assets | 0.0599% | 4,139 |
| Noncurrent loans to loans | 0.0872% | 4,020 |
| Net loans and leases to total assets | 67.9854% | 2,247 |
| Net loans and leases to deposits | 78.1413% | 2,520 |
| Net loans and leases to core deposits | 84.1497% | 2,457 |
| Total domestic deposits to total assets | 87.0031% | 1,670 |
| Equity capital to assets | 8.9235% | 4,166 |
| Core capital (leverage) ratio | 8.4229% | 4,365 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2180% | 2,527 |
| Memoranda: | ||
| Average total assets | $74,478,500 | 4,322 |
| Average earning assets | $70,665,750 | 4,298 |
| Average equity | $6,511,000 | 4,604 |
| Average total loans | $50,379,000 | 4,127 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3500% | 2,338 |
| Cost of funding earning assets | 0.6914% | 2,436 |
| Net interest margin | 3.6586% | 2,297 |
| Noninterest income to average assets | 0.4237% | 2,951 |
| Noninterest expense to average assets | 2.5776% | 2,746 |
| Loan and lease loss provision to assets | 0.0738% | 3,377 |
| Net operating income to assets | 1.2437% | 1,511 |
| Return on assets (ROA) | 1.3066% | 1,449 |
| Pretax return on assets | 1.3066% | 2,008 |
| Return on Equity (ROE) | 15.0575% | 700 |
| Retained earnings to average equity (ytd only) | 6.8672% | 1,712 |
| Net charge-offs to loans | 0.0772% | 1,473 |
| Credit loss provision to net charge-offs | 142.1053% | 2,166 |
| Earnings coverage of net charge-offs (x) | 25.3684% | 1,555 |
| Efficiency ratio | 66.1754% | 2,494 |
| Assets per employee ($millions) | 7.7682% | 1,052 |
| Cash dividends to net income (ytd only)* | 54.3933% | 1,415 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0978% | 3,077 |
| Loan loss allowance to noncurrent loans | 1,145.0980% | 503 |
| Noncurrent assets plus other real estate owned to assets | 0.0657% | 4,202 |
| Noncurrent loans to loans | 0.0959% | 4,069 |
| Net loans and leases to total assets | 67.7300% | 2,403 |
| Net loans and leases to deposits | 76.5339% | 2,802 |
| Net loans and leases to core deposits | 81.6937% | 2,800 |
| Total domestic deposits to total assets | 88.4967% | 947 |
| Equity capital to assets | 8.6610% | 4,382 |
| Core capital (leverage) ratio | 8.3664% | 4,507 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8903% | 2,651 |
| Memoranda: | ||
| Average total assets | $73,167,667 | 4,351 |
| Average earning assets | $69,424,667 | 4,327 |
| Average equity | $6,349,000 | 4,646 |
| Average total loans | $49,207,000 | 4,160 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4196% | 2,546 |
| Cost of funding earning assets | 0.7495% | 2,670 |
| Net interest margin | 3.6701% | 2,431 |
| Noninterest income to average assets | 0.3892% | 3,177 |
| Noninterest expense to average assets | 2.6682% | 2,789 |
| Loan and lease loss provision to assets | 0.0338% | 3,345 |
| Net operating income to assets | 1.1677% | 1,625 |
| Return on assets (ROA) | 1.2974% | 1,347 |
| Pretax return on assets | 1.2974% | 1,879 |
| Return on Equity (ROE) | 14.9363% | 556 |
| Retained earnings to average equity (ytd only) | 9.4813% | 850 |
| Net charge-offs to loans | -0.0085% | 4,017 |
| Credit loss provision to net charge-offs | -600.0000% | 3,423 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9504% | 2,512 |
| Assets per employee ($millions) | 7.0941% | 1,055 |
| Cash dividends to net income (ytd only)* | 36.5217% | 1,968 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2065% | 2,633 |
| Loan loss allowance to noncurrent loans | 357.6687% | 1,321 |
| Noncurrent assets plus other real estate owned to assets | 0.2298% | 3,547 |
| Noncurrent loans to loans | 0.3373% | 3,286 |
| Net loans and leases to total assets | 67.2939% | 2,649 |
| Net loans and leases to deposits | 74.3946% | 3,230 |
| Net loans and leases to core deposits | 79.7577% | 3,217 |
| Total domestic deposits to total assets | 90.4554% | 207 |
| Equity capital to assets | 8.5973% | 4,793 |
| Core capital (leverage) ratio | 8.9754% | 4,483 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4123% | 2,525 |
| Memoranda: | ||
| Average total assets | $70,910,500 | 4,396 |
| Average earning assets | $67,245,500 | 4,367 |
| Average equity | $6,159,500 | 4,699 |
| Average total loans | $47,211,500 | 4,201 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5585% | 2,752 |
| Cost of funding earning assets | 0.7972% | 2,699 |
| Net interest margin | 3.7613% | 2,634 |
| Noninterest income to average assets | 0.4526% | 2,994 |
| Noninterest expense to average assets | 2.8242% | 2,521 |
| Loan and lease loss provision to assets | 0.0343% | 3,327 |
| Net operating income to assets | 1.1308% | 2,332 |
| Return on assets (ROA) | 1.1308% | 2,427 |
| Pretax return on assets | 1.1308% | 3,074 |
| Return on Equity (ROE) | 13.5126% | 1,005 |
| Retained earnings to average equity (ytd only) | 7.8312% | 1,030 |
| Net charge-offs to loans | 0.1901% | 1,069 |
| Credit loss provision to net charge-offs | 27.5862% | 3,287 |
| Earnings coverage of net charge-offs (x) | 9.3793% | 2,669 |
| Efficiency ratio | 70.7946% | 2,051 |
| Assets per employee ($millions) | 5.9067% | 1,704 |
| Cash dividends to net income (ytd only)* | 42.0455% | 2,487 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2494% | 2,176 |
| Loan loss allowance to noncurrent loans | 353.3742% | 1,321 |
| Noncurrent assets plus other real estate owned to assets | 0.2300% | 3,524 |
| Noncurrent loans to loans | 0.3536% | 3,182 |
| Net loans and leases to total assets | 64.2283% | 3,168 |
| Net loans and leases to deposits | 71.2620% | 3,569 |
| Net loans and leases to core deposits | 76.3970% | 3,547 |
| Total domestic deposits to total assets | 90.1298% | 286 |
| Equity capital to assets | 8.7754% | 4,795 |
| Core capital (leverage) ratio | 8.6702% | 4,738 |
| Tier 1 risk-based capital ratio | 12.6406% | 3,985 |
| Total risk-based capital ratio | 13.8165% | 3,912 |
| Memoranda: | ||
| Average total assets | $70,037,400 | 4,428 |
| Average earning assets | $65,855,000 | 4,408 |
| Average equity | $5,861,200 | 4,774 |
| Average total loans | $45,761,200 | 4,266 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5308% | 2,961 |
| Cost of funding earning assets | 0.8053% | 2,690 |
| Net interest margin | 3.7255% | 2,837 |
| Noninterest income to average assets | 0.3723% | 3,486 |
| Noninterest expense to average assets | 2.7935% | 2,577 |
| Loan and lease loss provision to assets | 0.0344% | 3,215 |
| Net operating income to assets | 1.0426% | 2,809 |
| Return on assets (ROA) | 1.0426% | 2,898 |
| Pretax return on assets | 1.0426% | 3,468 |
| Return on Equity (ROE) | 12.6134% | 1,406 |
| Retained earnings to average equity (ytd only) | 7.6928% | 1,542 |
| Net charge-offs to loans | -0.0321% | 4,717 |
| Credit loss provision to net charge-offs | -163.6364% | 4,138 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.1756% | 1,809 |
| Assets per employee ($millions) | 5.8835% | 1,688 |
| Cash dividends to net income (ytd only)* | 39.0107% | 2,200 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4810% | 1,300 |
| Loan loss allowance to noncurrent loans | 246.4945% | 1,772 |
| Noncurrent assets plus other real estate owned to assets | 0.3838% | 2,975 |
| Noncurrent loans to loans | 0.6008% | 2,479 |
| Net loans and leases to total assets | 62.9416% | 3,394 |
| Net loans and leases to deposits | 69.7943% | 3,780 |
| Net loans and leases to core deposits | 75.6984% | 3,714 |
| Total domestic deposits to total assets | 90.1816% | 244 |
| Equity capital to assets | 8.6711% | 4,939 |
| Core capital (leverage) ratio | 8.5329% | 4,932 |
| Tier 1 risk-based capital ratio | 12.7558% | 3,984 |
| Total risk-based capital ratio | 14.0072% | 3,875 |
| Memoranda: | ||
| Average total assets | $69,826,750 | 4,487 |
| Average earning assets | $65,564,500 | 4,468 |
| Average equity | $5,771,500 | 4,847 |
| Average total loans | $45,676,250 | 4,320 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5158% | 2,970 |
| Cost of funding earning assets | 0.7904% | 2,691 |
| Net interest margin | 3.7254% | 2,855 |
| Noninterest income to average assets | 0.3047% | 3,893 |
| Noninterest expense to average assets | 2.8087% | 2,550 |
| Loan and lease loss provision to assets | 0.0345% | 3,137 |
| Net operating income to assets | 0.9573% | 3,073 |
| Return on assets (ROA) | 0.9573% | 3,145 |
| Pretax return on assets | 0.9573% | 3,686 |
| Return on Equity (ROE) | 11.7779% | 1,667 |
| Retained earnings to average equity (ytd only) | 6.2603% | 2,167 |
| Net charge-offs to loans | -0.0436% | 4,797 |
| Credit loss provision to net charge-offs | -120.0000% | 3,924 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.9032% | 1,659 |
| Assets per employee ($millions) | 6.1699% | 1,422 |
| Cash dividends to net income (ytd only)* | 46.8468% | 1,931 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4484% | 1,425 |
| Loan loss allowance to noncurrent loans | 224.0678% | 1,979 |
| Noncurrent assets plus other real estate owned to assets | 0.4347% | 2,775 |
| Noncurrent loans to loans | 0.6464% | 2,328 |
| Net loans and leases to total assets | 66.2703% | 3,073 |
| Net loans and leases to deposits | 75.7520% | 3,355 |
| Net loans and leases to core deposits | 80.3821% | 3,392 |
| Total domestic deposits to total assets | 87.4832% | 1,349 |
| Equity capital to assets | 8.7138% | 4,947 |
| Core capital (leverage) ratio | 8.7795% | 4,792 |
| Tier 1 risk-based capital ratio | 12.3369% | 4,223 |
| Total risk-based capital ratio | 13.5873% | 4,090 |
| Memoranda: | ||
| Average total assets | $69,568,330 | 4,528 |
| Average earning assets | $65,282,000 | 4,507 |
| Average equity | $5,654,670 | 4,894 |
| Average total loans | $45,866,330 | 4,347 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4193% | 3,150 |
| Cost of funding earning assets | 0.7760% | 2,661 |
| Net interest margin | 3.6434% | 3,098 |
| Noninterest income to average assets | 0.2499% | 4,226 |
| Noninterest expense to average assets | 2.7607% | 2,701 |
| Loan and lease loss provision to assets | 0.0341% | 2,948 |
| Net operating income to assets | 0.8691% | 3,355 |
| Return on assets (ROA) | 0.8691% | 3,406 |
| Pretax return on assets | 0.8691% | 3,864 |
| Return on Equity (ROE) | 11.0769% | 1,918 |
| Retained earnings to average equity (ytd only) | 8.5430% | 1,474 |
| Net charge-offs to loans | -0.0522% | 4,845 |
| Credit loss provision to net charge-offs | -100.0000% | 3,545 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.3488% | 1,570 |
| Assets per employee ($millions) | 6.4041% | 1,289 |
| Cash dividends to net income (ytd only)* | 22.8758% | 2,401 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4070% | 1,655 |
| Loan loss allowance to noncurrent loans | 245.6604% | 1,855 |
| Noncurrent assets plus other real estate owned to assets | 0.3890% | 3,021 |
| Noncurrent loans to loans | 0.5728% | 2,613 |
| Net loans and leases to total assets | 64.7555% | 3,201 |
| Net loans and leases to deposits | 71.8491% | 3,613 |
| Net loans and leases to core deposits | 77.2005% | 3,580 |
| Total domestic deposits to total assets | 90.1270% | 408 |
| Equity capital to assets | 8.0886% | 5,153 |
| Core capital (leverage) ratio | 8.4566% | 5,035 |
| Tier 1 risk-based capital ratio | 12.1328% | 4,390 |
| Total risk-based capital ratio | 13.3850% | 4,272 |
| Memoranda: | ||
| Average total assets | $70,418,000 | 4,562 |
| Average earning assets | $65,983,000 | 4,544 |
| Average equity | $5,525,000 | 4,958 |
| Average total loans | $45,980,500 | 4,390 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4217% | 2,695 |
| Cost of funding earning assets | 0.6016% | 2,704 |
| Net interest margin | 3.8202% | 2,593 |
| Noninterest income to average assets | 0.3503% | 3,763 |
| Noninterest expense to average assets | 2.8719% | 2,450 |
| Loan and lease loss provision to assets | 0.0589% | 2,983 |
| Net operating income to assets | 1.0056% | 2,983 |
| Return on assets (ROA) | 1.0056% | 2,970 |
| Pretax return on assets | 1.0056% | 3,576 |
| Return on Equity (ROE) | 12.7347% | 1,452 |
| Retained earnings to average equity (ytd only) | 5.8511% | 2,266 |
| Net charge-offs to loans | -0.0022% | 4,246 |
| Credit loss provision to net charge-offs | -3,900.0000% | 4,912 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9574% | 1,771 |
| Assets per employee ($millions) | 6.3992% | 1,267 |
| Cash dividends to net income (ytd only)* | 54.0541% | 1,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3985% | 1,645 |
| Loan loss allowance to noncurrent loans | 250.5882% | 1,876 |
| Noncurrent assets plus other real estate owned to assets | 0.3793% | 3,041 |
| Noncurrent loans to loans | 0.5581% | 2,603 |
| Net loans and leases to total assets | 64.0053% | 3,357 |
| Net loans and leases to deposits | 71.1697% | 3,732 |
| Net loans and leases to core deposits | 76.4404% | 3,684 |
| Total domestic deposits to total assets | 89.9334% | 498 |
| Equity capital to assets | 7.6032% | 5,265 |
| Core capital (leverage) ratio | 8.5519% | 4,994 |
| Tier 1 risk-based capital ratio | 11.7905% | 4,575 |
| Total risk-based capital ratio | 13.0409% | 4,449 |
| Memoranda: | ||
| Average total assets | $66,228,600 | 4,649 |
| Average earning assets | $62,170,000 | 4,628 |
| Average equity | $5,229,800 | 5,014 |
| Average total loans | $44,627,800 | 4,440 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3920% | 2,652 |
| Cost of funding earning assets | 0.5517% | 2,852 |
| Net interest margin | 3.8403% | 2,500 |
| Noninterest income to average assets | 0.3518% | 3,780 |
| Noninterest expense to average assets | 2.8287% | 2,536 |
| Loan and lease loss provision to assets | 0.0368% | 3,271 |
| Net operating income to assets | 1.1024% | 2,654 |
| Return on assets (ROA) | 1.1024% | 2,668 |
| Pretax return on assets | 1.1024% | 3,390 |
| Return on Equity (ROE) | 13.8222% | 1,167 |
| Retained earnings to average equity (ytd only) | 8.3087% | 1,510 |
| Net charge-offs to loans | 0.0271% | 2,566 |
| Credit loss provision to net charge-offs | 200.0000% | 1,378 |
| Earnings coverage of net charge-offs (x) | 61.8875% | 1,041 |
| Efficiency ratio | 71.2887% | 2,000 |
| Assets per employee ($millions) | 6.0475% | 1,456 |
| Cash dividends to net income (ytd only)* | 39.8887% | 2,059 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3162% | 2,022 |
| Loan loss allowance to noncurrent loans | 231.1787% | 2,016 |
| Noncurrent assets plus other real estate owned to assets | 0.4209% | 3,008 |
| Noncurrent loans to loans | 0.5694% | 2,669 |
| Net loans and leases to total assets | 68.5237% | 2,864 |
| Net loans and leases to deposits | 80.4674% | 2,989 |
| Net loans and leases to core deposits | 85.4994% | 3,046 |
| Total domestic deposits to total assets | 85.1570% | 2,544 |
| Equity capital to assets | 7.8574% | 5,221 |
| Core capital (leverage) ratio | 8.7710% | 4,906 |
| Tier 1 risk-based capital ratio | 11.6434% | 4,711 |
| Total risk-based capital ratio | 12.8746% | 4,606 |
| Memoranda: | ||
| Average total assets | $65,188,000 | 4,720 |
| Average earning assets | $61,382,250 | 4,689 |
| Average equity | $5,199,250 | 5,076 |
| Average total loans | $44,361,500 | 4,494 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3376% | 2,634 |
| Cost of funding earning assets | 0.5323% | 2,747 |
| Net interest margin | 3.8053% | 2,549 |
| Noninterest income to average assets | 0.3800% | 3,622 |
| Noninterest expense to average assets | 2.8698% | 2,437 |
| Loan and lease loss provision to assets | 0.0371% | 3,167 |
| Net operating income to assets | 1.0503% | 2,804 |
| Return on assets (ROA) | 1.0503% | 2,798 |
| Pretax return on assets | 1.0503% | 3,516 |
| Return on Equity (ROE) | 13.1021% | 1,339 |
| Retained earnings to average equity (ytd only) | 7.2447% | 1,958 |
| Net charge-offs to loans | -0.0091% | 4,293 |
| Credit loss provision to net charge-offs | -600.0000% | 4,393 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5215% | 1,913 |
| Assets per employee ($millions) | 5.9472% | 1,502 |
| Cash dividends to net income (ytd only)* | 44.7059% | 1,901 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3575% | 1,911 |
| Loan loss allowance to noncurrent loans | 218.1495% | 2,126 |
| Noncurrent assets plus other real estate owned to assets | 0.4739% | 2,858 |
| Noncurrent loans to loans | 0.6223% | 2,553 |
| Net loans and leases to total assets | 68.0903% | 2,853 |
| Net loans and leases to deposits | 79.3459% | 3,019 |
| Net loans and leases to core deposits | 84.2998% | 3,056 |
| Total domestic deposits to total assets | 85.8145% | 2,364 |
| Equity capital to assets | 7.8754% | 5,268 |
| Core capital (leverage) ratio | 8.5943% | 5,046 |
| Tier 1 risk-based capital ratio | 11.7483% | 4,655 |
| Total risk-based capital ratio | 12.9974% | 4,531 |
| Memoranda: | ||
| Average total assets | $64,743,000 | 4,781 |
| Average earning assets | $60,862,670 | 4,753 |
| Average equity | $5,190,000 | 5,134 |
| Average total loans | $43,751,330 | 4,551 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1813% | 2,941 |
| Cost of funding earning assets | 0.4970% | 2,819 |
| Net interest margin | 3.6843% | 2,862 |
| Noninterest income to average assets | 0.4161% | 3,345 |
| Noninterest expense to average assets | 2.9190% | 2,292 |
| Loan and lease loss provision to assets | 0.0373% | 3,001 |
| Net operating income to assets | 0.9130% | 3,236 |
| Return on assets (ROA) | 0.9130% | 3,246 |
| Pretax return on assets | 0.9130% | 3,807 |
| Return on Equity (ROE) | 11.2882% | 1,858 |
| Retained earnings to average equity (ytd only) | 9.5988% | 1,285 |
| Net charge-offs to loans | -0.0186% | 4,516 |
| Credit loss provision to net charge-offs | -300.0000% | 3,876 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4414% | 1,679 |
| Assets per employee ($millions) | 5.8906% | 1,613 |
| Cash dividends to net income (ytd only)* | 14.9660% | 2,499 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3727% | 1,942 |
| Loan loss allowance to noncurrent loans | 212.9825% | 2,130 |
| Noncurrent assets plus other real estate owned to assets | 0.4969% | 2,865 |
| Noncurrent loans to loans | 0.6445% | 2,613 |
| Net loans and leases to total assets | 67.3071% | 2,851 |
| Net loans and leases to deposits | 75.2883% | 3,291 |
| Net loans and leases to core deposits | 79.7940% | 3,339 |
| Total domestic deposits to total assets | 89.3992% | 923 |
| Equity capital to assets | 7.9494% | 5,289 |
| Core capital (leverage) ratio | 8.6321% | 5,038 |
| Tier 1 risk-based capital ratio | 11.8012% | 4,684 |
| Total risk-based capital ratio | 13.0506% | 4,559 |
| Memoranda: | ||
| Average total assets | $64,405,000 | 4,843 |
| Average earning assets | $60,364,000 | 4,819 |
| Average equity | $5,209,000 | 5,187 |
| Average total loans | $43,048,500 | 4,610 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2665% | 2,443 |
| Cost of funding earning assets | 0.4498% | 2,778 |
| Net interest margin | 3.8167% | 2,369 |
| Noninterest income to average assets | 0.4339% | 3,411 |
| Noninterest expense to average assets | 3.0791% | 1,924 |
| Loan and lease loss provision to assets | 0.0670% | 2,864 |
| Net operating income to assets | 0.8615% | 2,912 |
| Return on assets (ROA) | 0.8775% | 2,849 |
| Pretax return on assets | 0.8775% | 3,984 |
| Return on Equity (ROE) | 10.5904% | 1,639 |
| Retained earnings to average equity (ytd only) | 4.4094% | 2,511 |
| Net charge-offs to loans | -0.0838% | 5,331 |
| Credit loss provision to net charge-offs | -120.0000% | 4,733 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8312% | 1,505 |
| Assets per employee ($millions) | 5.8194% | 1,640 |
| Cash dividends to net income (ytd only)* | 58.3636% | 1,826 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4304% | 1,649 |
| Loan loss allowance to noncurrent loans | 219.4139% | 2,133 |
| Noncurrent assets plus other real estate owned to assets | 0.4843% | 2,942 |
| Noncurrent loans to loans | 0.6519% | 2,589 |
| Net loans and leases to total assets | 64.4838% | 3,304 |
| Net loans and leases to deposits | 72.2528% | 3,679 |
| Net loans and leases to core deposits | 78.7898% | 3,524 |
| Total domestic deposits to total assets | 89.2475% | 889 |
| Equity capital to assets | 8.2280% | 5,288 |
| Core capital (leverage) ratio | 8.5495% | 5,095 |
| Tier 1 risk-based capital ratio | 12.0217% | 4,513 |
| Total risk-based capital ratio | 13.2728% | 4,397 |
| Memoranda: | ||
| Average total assets | $62,680,400 | 4,911 |
| Average earning assets | $58,689,800 | 4,887 |
| Average equity | $5,193,400 | 5,240 |
| Average total loans | $41,785,400 | 4,673 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2718% | 2,352 |
| Cost of funding earning assets | 0.4384% | 2,825 |
| Net interest margin | 3.8334% | 2,272 |
| Noninterest income to average assets | 0.4491% | 3,337 |
| Noninterest expense to average assets | 3.0431% | 1,984 |
| Loan and lease loss provision to assets | 0.0257% | 3,623 |
| Net operating income to assets | 0.9709% | 2,683 |
| Return on assets (ROA) | 0.9880% | 2,666 |
| Pretax return on assets | 0.9880% | 3,733 |
| Return on Equity (ROE) | 11.9030% | 1,363 |
| Retained earnings to average equity (ytd only) | 5.6682% | 2,451 |
| Net charge-offs to loans | -0.1118% | 5,405 |
| Credit loss provision to net charge-offs | -34.2857% | 4,417 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.3309% | 1,688 |
| Assets per employee ($millions) | 5.6833% | 1,740 |
| Cash dividends to net income (ytd only)* | 52.3816% | 1,654 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3511% | 2,113 |
| Loan loss allowance to noncurrent loans | 203.2143% | 2,209 |
| Noncurrent assets plus other real estate owned to assets | 0.5295% | 2,940 |
| Noncurrent loans to loans | 0.6649% | 2,710 |
| Net loans and leases to total assets | 66.4550% | 3,049 |
| Net loans and leases to deposits | 76.1497% | 3,361 |
| Net loans and leases to core deposits | 82.5206% | 3,244 |
| Total domestic deposits to total assets | 87.2689% | 1,742 |
| Equity capital to assets | 8.5354% | 5,265 |
| Core capital (leverage) ratio | 8.5581% | 5,201 |
| Tier 1 risk-based capital ratio | 11.9042% | 4,698 |
| Total risk-based capital ratio | 13.1540% | 4,574 |
| Memoranda: | ||
| Average total assets | $62,347,250 | 4,970 |
| Average earning assets | $58,396,750 | 4,951 |
| Average equity | $5,175,000 | 5,299 |
| Average total loans | $41,762,500 | 4,725 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1784% | 2,553 |
| Cost of funding earning assets | 0.4020% | 3,052 |
| Net interest margin | 3.7764% | 2,379 |
| Noninterest income to average assets | 0.4367% | 3,445 |
| Noninterest expense to average assets | 3.1433% | 1,719 |
| Loan and lease loss provision to assets | 0.0385% | 3,242 |
| Net operating income to assets | 0.7834% | 3,477 |
| Return on assets (ROA) | 0.8091% | 3,411 |
| Pretax return on assets | 0.8091% | 4,235 |
| Return on Equity (ROE) | 9.8412% | 2,107 |
| Retained earnings to average equity (ytd only) | 4.6863% | 2,922 |
| Net charge-offs to loans | -0.1681% | 5,551 |
| Credit loss provision to net charge-offs | -34.2857% | 4,267 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.2713% | 1,296 |
| Assets per employee ($millions) | 5.7635% | 1,640 |
| Cash dividends to net income (ytd only)* | 52.3810% | 1,765 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3288% | 2,279 |
| Loan loss allowance to noncurrent loans | 203.2143% | 2,208 |
| Noncurrent assets plus other real estate owned to assets | 0.5300% | 3,001 |
| Noncurrent loans to loans | 0.6539% | 2,782 |
| Net loans and leases to total assets | 66.6441% | 3,012 |
| Net loans and leases to deposits | 81.1957% | 2,782 |
| Net loans and leases to core deposits | 87.7451% | 2,723 |
| Total domestic deposits to total assets | 82.0783% | 3,863 |
| Equity capital to assets | 8.2779% | 5,415 |
| Core capital (leverage) ratio | 8.4646% | 5,242 |
| Tier 1 risk-based capital ratio | 11.4543% | 4,988 |
| Total risk-based capital ratio | 12.6792% | 4,901 |
| Memoranda: | ||
| Average total assets | $62,291,000 | 5,012 |
| Average earning assets | $58,204,330 | 4,995 |
| Average equity | $5,121,330 | 5,342 |
| Average total loans | $41,645,330 | 4,755 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0928% | 2,679 |
| Cost of funding earning assets | 0.3746% | 3,255 |
| Net interest margin | 3.7182% | 2,426 |
| Noninterest income to average assets | 0.4082% | 3,600 |
| Noninterest expense to average assets | 3.2330% | 1,517 |
| Loan and lease loss provision to assets | 0.0389% | 3,020 |
| Net operating income to assets | 0.6090% | 4,119 |
| Return on assets (ROA) | 0.6479% | 3,976 |
| Pretax return on assets | 0.6479% | 4,605 |
| Return on Equity (ROE) | 7.9083% | 2,970 |
| Retained earnings to average equity (ytd only) | 4.1914% | 3,360 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.3055% | 1,035 |
| Assets per employee ($millions) | 5.1700% | 2,216 |
| Cash dividends to net income (ytd only)* | 47.0000% | 1,781 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2607% | 2,753 |
| Loan loss allowance to noncurrent loans | 188.5714% | 2,372 |
| Noncurrent assets plus other real estate owned to assets | 0.5561% | 3,010 |
| Noncurrent loans to loans | 0.6685% | 2,840 |
| Net loans and leases to total assets | 66.6586% | 2,869 |
| Net loans and leases to deposits | 78.1108% | 2,953 |
| Net loans and leases to core deposits | 84.2570% | 2,874 |
| Total domestic deposits to total assets | 85.3385% | 2,941 |
| Equity capital to assets | 8.2463% | 5,388 |
| Core capital (leverage) ratio | 8.5480% | 5,192 |
| Tier 1 risk-based capital ratio | 11.6427% | 4,951 |
| Total risk-based capital ratio | 12.8127% | 4,891 |
| Memoranda: | ||
| Average total assets | $61,737,500 | 5,079 |
| Average earning assets | $57,662,000 | 5,055 |
| Average equity | $5,058,000 | 5,410 |
| Average total loans | $41,058,000 | 4,812 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1708% | 2,582 |
| Cost of funding earning assets | 0.3524% | 3,492 |
| Net interest margin | 3.8184% | 2,253 |
| Noninterest income to average assets | 0.4904% | 3,298 |
| Noninterest expense to average assets | 3.1762% | 1,850 |
| Loan and lease loss provision to assets | 0.0234% | 3,899 |
| Net operating income to assets | 0.8341% | 3,132 |
| Return on assets (ROA) | 0.8791% | 3,050 |
| Pretax return on assets | 0.8791% | 3,918 |
| Return on Equity (ROE) | 10.3492% | 1,831 |
| Retained earnings to average equity (ytd only) | 2.2387% | 4,258 |
| Net charge-offs to loans | -0.0077% | 4,878 |
| Credit loss provision to net charge-offs | -466.6667% | 5,157 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.7428% | 1,584 |
| Assets per employee ($millions) | 5.1196% | 2,268 |
| Cash dividends to net income (ytd only)* | 78.3681% | 966 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2974% | 2,559 |
| Loan loss allowance to noncurrent loans | 185.1064% | 2,388 |
| Noncurrent assets plus other real estate owned to assets | 0.5730% | 3,015 |
| Noncurrent loans to loans | 0.7009% | 2,793 |
| Net loans and leases to total assets | 64.6390% | 3,267 |
| Net loans and leases to deposits | 75.8654% | 3,329 |
| Net loans and leases to core deposits | 82.6022% | 3,161 |
| Total domestic deposits to total assets | 85.2022% | 2,956 |
| Equity capital to assets | 8.1387% | 5,498 |
| Core capital (leverage) ratio | 8.5327% | 5,230 |
| Tier 1 risk-based capital ratio | 11.6943% | 4,927 |
| Total risk-based capital ratio | 12.8683% | 4,888 |
| Memoranda: | ||
| Average total assets | $59,945,200 | 5,144 |
| Average earning assets | $55,625,200 | 5,134 |
| Average equity | $5,092,200 | 5,453 |
| Average total loans | $39,122,800 | 4,905 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1752% | 2,591 |
| Cost of funding earning assets | 0.3519% | 3,515 |
| Net interest margin | 3.8233% | 2,251 |
| Noninterest income to average assets | 0.5125% | 3,167 |
| Noninterest expense to average assets | 3.0953% | 2,039 |
| Loan and lease loss provision to assets | 0.0179% | 3,889 |
| Net operating income to assets | 0.9490% | 2,658 |
| Return on assets (ROA) | 0.9579% | 2,760 |
| Pretax return on assets | 0.9579% | 3,782 |
| Return on Equity (ROE) | 11.1559% | 1,614 |
| Retained earnings to average equity (ytd only) | 4.1183% | 3,376 |
| Net charge-offs to loans | -0.0069% | 4,684 |
| Credit loss provision to net charge-offs | -400.0000% | 5,015 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.1983% | 1,948 |
| Assets per employee ($millions) | 5.0623% | 2,300 |
| Cash dividends to net income (ytd only)* | 63.0842% | 1,303 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2713% | 2,836 |
| Loan loss allowance to noncurrent loans | 178.2007% | 2,449 |
| Noncurrent assets plus other real estate owned to assets | 0.6799% | 2,874 |
| Noncurrent loans to loans | 0.7134% | 2,898 |
| Net loans and leases to total assets | 65.8386% | 3,152 |
| Net loans and leases to deposits | 76.3788% | 3,366 |
| Net loans and leases to core deposits | 83.1203% | 3,206 |
| Total domestic deposits to total assets | 86.2001% | 2,259 |
| Equity capital to assets | 8.6687% | 5,421 |
| Core capital (leverage) ratio | 8.6420% | 5,221 |
| Tier 1 risk-based capital ratio | 11.6893% | 4,984 |
| Total risk-based capital ratio | 12.8371% | 4,946 |
| Memoranda: | ||
| Average total assets | $59,572,750 | 5,194 |
| Average earning assets | $55,309,000 | 5,187 |
| Average equity | $5,115,250 | 5,504 |
| Average total loans | $38,845,250 | 4,959 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2233% | 2,433 |
| Cost of funding earning assets | 0.3544% | 3,522 |
| Net interest margin | 3.8689% | 2,089 |
| Noninterest income to average assets | 0.4562% | 3,482 |
| Noninterest expense to average assets | 3.1327% | 1,966 |
| Loan and lease loss provision to assets | 0.0203% | 3,736 |
| Net operating income to assets | 0.8820% | 2,957 |
| Return on assets (ROA) | 0.8922% | 3,023 |
| Pretax return on assets | 0.8922% | 3,981 |
| Return on Equity (ROE) | 10.4245% | 1,877 |
| Retained earnings to average equity (ytd only) | 2.9220% | 4,052 |
| Net charge-offs to loans | 0.0104% | 3,348 |
| Credit loss provision to net charge-offs | 300.0000% | 956 |
| Earnings coverage of net charge-offs (x) | 133.5000% | 449 |
| Efficiency ratio | 77.6382% | 1,845 |
| Assets per employee ($millions) | 4.9426% | 2,364 |
| Cash dividends to net income (ytd only)* | 71.9697% | 1,119 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3119% | 2,728 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2091% | 4,656 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 64.5597% | 3,287 |
| Net loans and leases to deposits | 76.6679% | 3,309 |
| Net loans and leases to core deposits | 81.8796% | 3,282 |
| Total domestic deposits to total assets | 84.2070% | 3,193 |
| Equity capital to assets | 8.6932% | 5,488 |
| Core capital (leverage) ratio | 8.8710% | 4,976 |
| Tier 1 risk-based capital ratio | 11.9480% | 4,862 |
| Total risk-based capital ratio | 13.1266% | 4,810 |
| Memoranda: | ||
| Average total assets | $59,181,330 | 5,256 |
| Average earning assets | $54,744,330 | 5,257 |
| Average equity | $5,065,000 | 5,571 |
| Average total loans | $38,290,330 | 5,026 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0453% | 3,054 |
| Cost of funding earning assets | 0.3578% | 3,527 |
| Net interest margin | 3.6875% | 2,719 |
| Noninterest income to average assets | 0.5075% | 3,067 |
| Noninterest expense to average assets | 3.2411% | 1,735 |
| Loan and lease loss provision to assets | 0.0406% | 3,105 |
| Net operating income to assets | 0.6428% | 4,011 |
| Return on assets (ROA) | 0.6428% | 4,129 |
| Pretax return on assets | 0.6428% | 4,694 |
| Return on Equity (ROE) | 7.5705% | 3,149 |
| Retained earnings to average equity (ytd only) | -3.9048% | 5,546 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.5862% | 1,309 |
| Assets per employee ($millions) | 4.8562% | 2,507 |
| Cash dividends to net income (ytd only)* | 151.5789% | 371 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3870% | 2,484 |
| Loan loss allowance to noncurrent loans | 329.6774% | 1,487 |
| Noncurrent assets plus other real estate owned to assets | 0.5629% | 3,376 |
| Noncurrent loans to loans | 0.4207% | 3,934 |
| Net loans and leases to total assets | 62.3434% | 3,481 |
| Net loans and leases to deposits | 71.0111% | 3,752 |
| Net loans and leases to core deposits | 76.9035% | 3,593 |
| Total domestic deposits to total assets | 87.7939% | 1,753 |
| Equity capital to assets | 8.6059% | 5,489 |
| Core capital (leverage) ratio | 8.5971% | 5,294 |
| Tier 1 risk-based capital ratio | 12.3209% | 4,715 |
| Total risk-based capital ratio | 13.5706% | 4,611 |
| Memoranda: | ||
| Average total assets | $59,116,500 | 5,306 |
| Average earning assets | $54,780,000 | 5,300 |
| Average equity | $5,019,500 | 5,619 |
| Average total loans | $38,035,500 | 5,075 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1469% | 2,750 |
| Cost of funding earning assets | 0.3428% | 3,765 |
| Net interest margin | 3.8041% | 2,360 |
| Noninterest income to average assets | 0.4570% | 3,612 |
| Noninterest expense to average assets | 2.9279% | 2,773 |
| Loan and lease loss provision to assets | 0.2268% | 894 |
| Net operating income to assets | 0.8141% | 3,282 |
| Return on assets (ROA) | 0.8361% | 3,248 |
| Pretax return on assets | 0.8361% | 4,085 |
| Return on Equity (ROE) | 10.0554% | 1,989 |
| Retained earnings to average equity (ytd only) | 5.3737% | 2,152 |
| Net charge-offs to loans | 0.4338% | 639 |
| Credit loss provision to net charge-offs | 77.9070% | 2,988 |
| Earnings coverage of net charge-offs (x) | 3.5756% | 3,709 |
| Efficiency ratio | 73.7740% | 2,618 |
| Assets per employee ($millions) | 4.9966% | 2,365 |
| Cash dividends to net income (ytd only)* | 46.5587% | 2,496 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2873% | 2,978 |
| Loan loss allowance to noncurrent loans | 325.8065% | 1,526 |
| Noncurrent assets plus other real estate owned to assets | 0.5470% | 3,463 |
| Noncurrent loans to loans | 0.3951% | 4,041 |
| Net loans and leases to total assets | 64.5858% | 3,186 |
| Net loans and leases to deposits | 74.7024% | 3,409 |
| Net loans and leases to core deposits | 80.7915% | 3,264 |
| Total domestic deposits to total assets | 86.4574% | 2,401 |
| Equity capital to assets | 8.3791% | 5,648 |
| Core capital (leverage) ratio | 8.6182% | 5,315 |
| Tier 1 risk-based capital ratio | 11.8811% | 5,024 |
| Total risk-based capital ratio | 13.0605% | 4,984 |
| Memoranda: | ||
| Average total assets | $59,087,000 | 5,341 |
| Average earning assets | $54,546,600 | 5,330 |
| Average equity | $4,912,800 | 5,674 |
| Average total loans | $39,647,200 | 5,028 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1218% | 2,847 |
| Cost of funding earning assets | 0.3384% | 3,880 |
| Net interest margin | 3.7835% | 2,450 |
| Noninterest income to average assets | 0.3964% | 4,112 |
| Noninterest expense to average assets | 2.8968% | 2,857 |
| Loan and lease loss provision to assets | 0.2831% | 553 |
| Net operating income to assets | 0.7112% | 3,857 |
| Return on assets (ROA) | 0.7406% | 3,820 |
| Pretax return on assets | 0.7406% | 4,532 |
| Return on Equity (ROE) | 8.9251% | 2,616 |
| Retained earnings to average equity (ytd only) | 4.1486% | 3,511 |
| Net charge-offs to loans | 0.6574% | 336 |
| Credit loss provision to net charge-offs | 63.7755% | 2,865 |
| Earnings coverage of net charge-offs (x) | 2.2398% | 3,702 |
| Efficiency ratio | 74.4470% | 2,481 |
| Assets per employee ($millions) | 4.9498% | 2,361 |
| Cash dividends to net income (ytd only)* | 53.5173% | 1,721 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1588% | 3,880 |
| Loan loss allowance to noncurrent loans | 304.5161% | 1,602 |
| Noncurrent assets plus other real estate owned to assets | 0.5556% | 3,640 |
| Noncurrent loans to loans | 0.3805% | 4,246 |
| Net loans and leases to total assets | 67.7784% | 2,712 |
| Net loans and leases to deposits | 80.1063% | 2,872 |
| Net loans and leases to core deposits | 85.4774% | 2,904 |
| Total domestic deposits to total assets | 84.6106% | 3,169 |
| Equity capital to assets | 8.3959% | 5,766 |
| Core capital (leverage) ratio | 8.3720% | 5,653 |
| Tier 1 risk-based capital ratio | 11.3826% | 5,438 |
| Total risk-based capital ratio | 12.4625% | 5,438 |
| Memoranda: | ||
| Average total assets | $58,869,000 | 5,412 |
| Average earning assets | $54,375,750 | 5,402 |
| Average equity | $4,885,000 | 5,753 |
| Average total loans | $39,751,500 | 5,073 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1076% | 2,869 |
| Cost of funding earning assets | 0.3377% | 3,951 |
| Net interest margin | 3.7699% | 2,437 |
| Noninterest income to average assets | 0.5145% | 3,271 |
| Noninterest expense to average assets | 2.8930% | 2,920 |
| Loan and lease loss provision to assets | 0.3748% | 336 |
| Net operating income to assets | 0.7088% | 3,849 |
| Return on assets (ROA) | 0.7156% | 3,935 |
| Pretax return on assets | 0.7156% | 4,608 |
| Return on Equity (ROE) | 8.6580% | 2,717 |
| Retained earnings to average equity (ytd only) | 2.8035% | 4,259 |
| Net charge-offs to loans | 0.9994% | 208 |
| Credit loss provision to net charge-offs | 55.8376% | 2,641 |
| Earnings coverage of net charge-offs (x) | 1.6142% | 3,484 |
| Efficiency ratio | 72.7506% | 2,890 |
| Assets per employee ($millions) | 5.0351% | 2,233 |
| Cash dividends to net income (ytd only)* | 67.6190% | 1,277 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1137% | 4,253 |
| Loan loss allowance to noncurrent loans | 294.1935% | 1,641 |
| Noncurrent assets plus other real estate owned to assets | 0.6389% | 3,503 |
| Noncurrent loans to loans | 0.3785% | 4,349 |
| Net loans and leases to total assets | 67.0131% | 2,789 |
| Net loans and leases to deposits | 76.4640% | 3,215 |
| Net loans and leases to core deposits | 82.4963% | 3,124 |
| Total domestic deposits to total assets | 87.6401% | 1,823 |
| Equity capital to assets | 8.0568% | 5,961 |
| Core capital (leverage) ratio | 8.1955% | 5,793 |
| Tier 1 risk-based capital ratio | 10.9348% | 5,746 |
| Total risk-based capital ratio | 11.9540% | 5,780 |
| Memoranda: | ||
| Average total assets | $58,692,670 | 5,472 |
| Average earning assets | $53,900,000 | 5,465 |
| Average equity | $4,851,000 | 5,818 |
| Average total loans | $39,425,000 | 5,133 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2637% | 2,218 |
| Cost of funding earning assets | 0.3396% | 3,988 |
| Net interest margin | 3.9242% | 1,804 |
| Noninterest income to average assets | 0.4012% | 3,996 |
| Noninterest expense to average assets | 3.0020% | 2,576 |
| Loan and lease loss provision to assets | 0.0623% | 2,683 |
| Net operating income to assets | 0.9338% | 2,589 |
| Return on assets (ROA) | 0.9338% | 2,717 |
| Pretax return on assets | 0.9338% | 3,768 |
| Return on Equity (ROE) | 11.1513% | 1,596 |
| Retained earnings to average equity (ytd only) | 4.7909% | 3,178 |
| Net charge-offs to loans | 0.0207% | 2,733 |
| Credit loss provision to net charge-offs | 450.0000% | 596 |
| Earnings coverage of net charge-offs (x) | 72.0000% | 634 |
| Efficiency ratio | 75.0865% | 2,646 |
| Assets per employee ($millions) | 4.8678% | 2,533 |
| Cash dividends to net income (ytd only)* | 57.0370% | 1,520 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3847% | 2,991 |
| Loan loss allowance to noncurrent loans | 282.0513% | 1,692 |
| Noncurrent assets plus other real estate owned to assets | 0.7293% | 3,309 |
| Noncurrent loans to loans | 0.4909% | 4,104 |
| Net loans and leases to total assets | 67.0553% | 2,599 |
| Net loans and leases to deposits | 78.9618% | 2,688 |
| Net loans and leases to core deposits | 82.8746% | 2,884 |
| Total domestic deposits to total assets | 84.9212% | 3,446 |
| Equity capital to assets | 8.3920% | 5,811 |
| Core capital (leverage) ratio | 8.4700% | 5,548 |
| Tier 1 risk-based capital ratio | 11.2080% | 5,710 |
| Total risk-based capital ratio | 12.4592% | 5,624 |
| Memoranda: | ||
| Average total assets | $57,828,500 | 5,545 |
| Average earning assets | $53,005,000 | 5,537 |
| Average equity | $4,842,500 | 5,873 |
| Average total loans | $38,664,500 | 5,189 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2146% | 2,906 |
| Cost of funding earning assets | 0.3634% | 4,103 |
| Net interest margin | 3.8512% | 2,426 |
| Noninterest income to average assets | 0.3593% | 4,529 |
| Noninterest expense to average assets | 2.9948% | 2,856 |
| Loan and lease loss provision to assets | 0.0503% | 3,556 |
| Net operating income to assets | 0.8551% | 3,089 |
| Return on assets (ROA) | 0.8767% | 3,074 |
| Pretax return on assets | 0.8767% | 3,975 |
| Return on Equity (ROE) | 10.5816% | 1,866 |
| Retained earnings to average equity (ytd only) | 5.7678% | 2,084 |
| Net charge-offs to loans | 0.6737% | 563 |
| Credit loss provision to net charge-offs | 11.2903% | 4,088 |
| Earnings coverage of net charge-offs (x) | 2.0323% | 4,268 |
| Efficiency ratio | 76.7849% | 2,395 |
| Assets per employee ($millions) | 4.7703% | 2,636 |
| Cash dividends to net income (ytd only)* | 45.4918% | 2,537 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4438% | 2,722 |
| Loan loss allowance to noncurrent loans | 278.4615% | 1,738 |
| Noncurrent assets plus other real estate owned to assets | 0.7442% | 3,347 |
| Noncurrent loans to loans | 0.5185% | 4,113 |
| Net loans and leases to total assets | 64.7526% | 3,098 |
| Net loans and leases to deposits | 74.3109% | 3,398 |
| Net loans and leases to core deposits | 79.5890% | 3,339 |
| Total domestic deposits to total assets | 87.1375% | 2,202 |
| Equity capital to assets | 8.3555% | 5,861 |
| Core capital (leverage) ratio | 8.6070% | 5,438 |
| Tier 1 risk-based capital ratio | 12.0406% | 5,337 |
| Total risk-based capital ratio | 13.2914% | 5,242 |
| Memoranda: | ||
| Average total assets | $55,662,800 | 5,658 |
| Average earning assets | $51,178,800 | 5,641 |
| Average equity | $4,611,800 | 5,957 |
| Average total loans | $36,810,800 | 5,297 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1840% | 3,049 |
| Cost of funding earning assets | 0.3659% | 4,177 |
| Net interest margin | 3.8181% | 2,549 |
| Noninterest income to average assets | 0.3570% | 4,583 |
| Noninterest expense to average assets | 2.9939% | 2,818 |
| Loan and lease loss provision to assets | 0.0314% | 3,783 |
| Net operating income to assets | 0.8564% | 3,143 |
| Return on assets (ROA) | 0.8854% | 3,089 |
| Pretax return on assets | 0.8854% | 4,056 |
| Return on Equity (ROE) | 10.7096% | 1,903 |
| Retained earnings to average equity (ytd only) | 6.2740% | 2,238 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1287% | 2,334 |
| Assets per employee ($millions) | 4.6182% | 2,782 |
| Cash dividends to net income (ytd only)* | 41.4167% | 2,284 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0871% | 1,108 |
| Loan loss allowance to noncurrent loans | 119.9382% | 3,224 |
| Noncurrent assets plus other real estate owned to assets | 1.6078% | 1,886 |
| Noncurrent loans to loans | 1.7401% | 1,860 |
| Net loans and leases to total assets | 65.6917% | 2,915 |
| Net loans and leases to deposits | 77.2143% | 3,044 |
| Net loans and leases to core deposits | 81.1272% | 3,187 |
| Total domestic deposits to total assets | 85.0771% | 3,312 |
| Equity capital to assets | 8.4864% | 5,809 |
| Core capital (leverage) ratio | 8.4116% | 5,748 |
| Tier 1 risk-based capital ratio | 12.1579% | 5,399 |
| Total risk-based capital ratio | 13.4167% | 5,305 |
| Memoranda: | ||
| Average total assets | $55,267,500 | 5,731 |
| Average earning assets | $51,018,750 | 5,705 |
| Average equity | $4,569,000 | 6,030 |
| Average total loans | $36,611,000 | 5,358 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1517% | 3,140 |
| Cost of funding earning assets | 0.3685% | 4,229 |
| Net interest margin | 3.7832% | 2,624 |
| Noninterest income to average assets | 0.3550% | 4,583 |
| Noninterest expense to average assets | 2.9991% | 2,831 |
| Loan and lease loss provision to assets | 0.0109% | 4,027 |
| Net operating income to assets | 0.8403% | 3,130 |
| Return on assets (ROA) | 0.8838% | 2,979 |
| Pretax return on assets | 0.8838% | 3,952 |
| Return on Equity (ROE) | 10.7861% | 1,811 |
| Retained earnings to average equity (ytd only) | 6.0561% | 2,285 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.8928% | 2,305 |
| Assets per employee ($millions) | 4.6853% | 2,639 |
| Cash dividends to net income (ytd only)* | 43.8525% | 2,215 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0919% | 1,192 |
| Loan loss allowance to noncurrent loans | 116.9466% | 3,275 |
| Noncurrent assets plus other real estate owned to assets | 1.6132% | 2,032 |
| Noncurrent loans to loans | 1.7888% | 1,924 |
| Net loans and leases to total assets | 63.7657% | 3,107 |
| Net loans and leases to deposits | 71.6877% | 3,614 |
| Net loans and leases to core deposits | 75.0272% | 3,732 |
| Total domestic deposits to total assets | 88.9494% | 1,382 |
| Equity capital to assets | 8.2600% | 5,976 |
| Core capital (leverage) ratio | 8.4852% | 5,646 |
| Tier 1 risk-based capital ratio | 12.1777% | 5,437 |
| Total risk-based capital ratio | 13.4359% | 5,347 |
| Memoranda: | ||
| Average total assets | $55,217,330 | 5,785 |
| Average earning assets | $51,015,330 | 5,755 |
| Average equity | $4,524,330 | 6,088 |
| Average total loans | $36,421,000 | 5,401 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1636% | 3,017 |
| Cost of funding earning assets | 0.3742% | 4,263 |
| Net interest margin | 3.7894% | 2,513 |
| Noninterest income to average assets | 0.3509% | 4,571 |
| Noninterest expense to average assets | 3.0266% | 2,779 |
| Loan and lease loss provision to assets | 0.0219% | 3,545 |
| Net operating income to assets | 0.7822% | 3,240 |
| Return on assets (ROA) | 0.7822% | 3,322 |
| Pretax return on assets | 0.7822% | 4,173 |
| Return on Equity (ROE) | 9.5867% | 2,208 |
| Retained earnings to average equity (ytd only) | 4.7486% | 3,267 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.0076% | 2,336 |
| Assets per employee ($millions) | 4.6068% | 2,803 |
| Cash dividends to net income (ytd only)* | 50.4673% | 1,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0817% | 1,366 |
| Loan loss allowance to noncurrent loans | 115.5354% | 3,268 |
| Noncurrent assets plus other real estate owned to assets | 1.6841% | 2,097 |
| Noncurrent loans to loans | 1.8018% | 2,137 |
| Net loans and leases to total assets | 65.1767% | 2,699 |
| Net loans and leases to deposits | 76.0388% | 2,810 |
| Net loans and leases to core deposits | 79.7217% | 3,001 |
| Total domestic deposits to total assets | 85.7151% | 3,506 |
| Equity capital to assets | 8.1871% | 5,913 |
| Core capital (leverage) ratio | 8.5796% | 5,548 |
| Tier 1 risk-based capital ratio | 11.9266% | 5,691 |
| Total risk-based capital ratio | 13.1866% | 5,613 |
| Memoranda: | ||
| Average total assets | $54,714,500 | 5,853 |
| Average earning assets | $50,245,000 | 5,831 |
| Average equity | $4,464,500 | 6,144 |
| Average total loans | $36,323,000 | 5,449 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4786% | 2,294 |
| Cost of funding earning assets | 0.4421% | 4,194 |
| Net interest margin | 4.0366% | 1,846 |
| Noninterest income to average assets | 0.0682% | 6,490 |
| Noninterest expense to average assets | 2.8875% | 3,406 |
| Loan and lease loss provision to assets | 0.3995% | 748 |
| Net operating income to assets | 0.4809% | 4,814 |
| Return on assets (ROA) | 0.4809% | 4,958 |
| Pretax return on assets | 0.4809% | 5,257 |
| Return on Equity (ROE) | 5.6889% | 4,278 |
| Retained earnings to average equity (ytd only) | 0.2016% | 5,754 |
| Net charge-offs to loans | 0.0426% | 4,621 |
| Credit loss provision to net charge-offs | 1,406.6667% | 176 |
| Earnings coverage of net charge-offs (x) | 31.0000% | 1,149 |
| Efficiency ratio | 76.6332% | 2,686 |
| Assets per employee ($millions) | 4.5123% | 2,879 |
| Cash dividends to net income (ytd only)* | 96.4567% | 493 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1284% | 1,288 |
| Loan loss allowance to noncurrent loans | 114.7368% | 3,262 |
| Noncurrent assets plus other real estate owned to assets | 1.7231% | 2,144 |
| Noncurrent loans to loans | 1.8550% | 2,164 |
| Net loans and leases to total assets | 64.7977% | 2,906 |
| Net loans and leases to deposits | 74.0727% | 3,244 |
| Net loans and leases to core deposits | 77.0664% | 3,480 |
| Total domestic deposits to total assets | 87.4785% | 2,480 |
| Equity capital to assets | 8.1316% | 5,918 |
| Core capital (leverage) ratio | 8.3599% | 5,817 |
| Tier 1 risk-based capital ratio | 12.0505% | 5,584 |
| Total risk-based capital ratio | 13.3092% | 5,520 |
| Memoranda: | ||
| Average total assets | $52,813,000 | 5,943 |
| Average earning assets | $48,407,600 | 5,932 |
| Average equity | $4,464,800 | 6,214 |
| Average total loans | $35,236,400 | 5,526 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4935% | 2,257 |
| Cost of funding earning assets | 0.4549% | 4,222 |
| Net interest margin | 4.0385% | 1,825 |
| Noninterest income to average assets | 0.1118% | 6,444 |
| Noninterest expense to average assets | 2.9700% | 3,079 |
| Loan and lease loss provision to assets | 0.4522% | 628 |
| Net operating income to assets | 0.3887% | 5,288 |
| Return on assets (ROA) | 0.3887% | 5,425 |
| Pretax return on assets | 0.3887% | 5,653 |
| Return on Equity (ROE) | 4.5531% | 4,957 |
| Retained earnings to average equity (ytd only) | -1.4582% | 6,192 |
| Net charge-offs to loans | -0.0342% | 6,195 |
| Credit loss provision to net charge-offs | -1,977.7778% | 6,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.9333% | 2,435 |
| Assets per employee ($millions) | 4.5034% | 2,882 |
| Cash dividends to net income (ytd only)* | 132.0310% | 179 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0714% | 1,565 |
| Loan loss allowance to noncurrent loans | 106.0478% | 3,343 |
| Noncurrent assets plus other real estate owned to assets | 1.9504% | 2,083 |
| Noncurrent loans to loans | 1.9533% | 2,305 |
| Net loans and leases to total assets | 65.9610% | 2,643 |
| Net loans and leases to deposits | 75.6751% | 3,005 |
| Net loans and leases to core deposits | 79.2063% | 3,206 |
| Total domestic deposits to total assets | 87.1634% | 2,592 |
| Equity capital to assets | 8.0865% | 6,088 |
| Core capital (leverage) ratio | 8.2643% | 6,004 |
| Tier 1 risk-based capital ratio | 11.6402% | 5,988 |
| Total risk-based capital ratio | 12.8979% | 5,942 |
| Memoranda: | ||
| Average total assets | $52,479,500 | 6,022 |
| Average earning assets | $48,068,750 | 6,002 |
| Average equity | $4,480,250 | 6,291 |
| Average total loans | $35,083,250 | 5,582 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5759% | 1,922 |
| Cost of funding earning assets | 0.4808% | 4,090 |
| Net interest margin | 4.0951% | 1,554 |
| Noninterest income to average assets | -0.0077% | 6,814 |
| Noninterest expense to average assets | 2.9908% | 3,028 |
| Loan and lease loss provision to assets | 0.6736% | 352 |
| Net operating income to assets | 0.0654% | 6,212 |
| Return on assets (ROA) | 0.0654% | 6,291 |
| Pretax return on assets | 0.0654% | 6,284 |
| Return on Equity (ROE) | 0.7527% | 6,264 |
| Retained earnings to average equity (ytd only) | -6.5087% | 6,546 |
| Net charge-offs to loans | -0.0520% | 6,281 |
| Credit loss provision to net charge-offs | -1,944.4444% | 6,135 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.1858% | 2,127 |
| Assets per employee ($millions) | 4.3609% | 3,076 |
| Cash dividends to net income (ytd only)* | 964.7059% | 4 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1273% | 1,567 |
| Loan loss allowance to noncurrent loans | 109.7953% | 3,217 |
| Noncurrent assets plus other real estate owned to assets | 1.9721% | 2,186 |
| Noncurrent loans to loans | 1.9375% | 2,467 |
| Net loans and leases to total assets | 66.0259% | 2,585 |
| Net loans and leases to deposits | 74.3310% | 3,101 |
| Net loans and leases to core deposits | 77.7813% | 3,326 |
| Total domestic deposits to total assets | 88.8269% | 1,719 |
| Equity capital to assets | 8.1634% | 6,082 |
| Core capital (leverage) ratio | 8.4335% | 5,739 |
| Tier 1 risk-based capital ratio | 11.8539% | 5,876 |
| Total risk-based capital ratio | 13.1144% | 5,824 |
| Memoranda: | ||
| Average total assets | $51,959,000 | 6,073 |
| Average earning assets | $47,422,330 | 6,058 |
| Average equity | $4,517,000 | 6,328 |
| Average total loans | $34,644,330 | 5,632 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6765% | 1,601 |
| Cost of funding earning assets | 0.5253% | 3,836 |
| Net interest margin | 4.1513% | 1,319 |
| Noninterest income to average assets | -0.1777% | 6,945 |
| Noninterest expense to average assets | 2.9359% | 3,205 |
| Loan and lease loss provision to assets | 0.2781% | 1,262 |
| Net operating income to assets | 0.3940% | 5,153 |
| Return on assets (ROA) | 0.3940% | 5,299 |
| Pretax return on assets | 0.3940% | 5,579 |
| Return on Equity (ROE) | 4.3970% | 4,897 |
| Retained earnings to average equity (ytd only) | 1.6381% | 5,161 |
| Net charge-offs to loans | -0.1282% | 6,545 |
| Credit loss provision to net charge-offs | -327.2727% | 5,375 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.3704% | 2,138 |
| Assets per employee ($millions) | 4.3678% | 3,207 |
| Cash dividends to net income (ytd only)* | 62.7451% | 1,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8043% | 2,604 |
| Loan loss allowance to noncurrent loans | 216.9611% | 1,760 |
| Noncurrent assets plus other real estate owned to assets | 1.5034% | 2,996 |
| Noncurrent loans to loans | 0.8316% | 4,459 |
| Net loans and leases to total assets | 63.7540% | 2,761 |
| Net loans and leases to deposits | 72.5425% | 3,117 |
| Net loans and leases to core deposits | 76.3306% | 3,271 |
| Total domestic deposits to total assets | 87.8849% | 2,392 |
| Equity capital to assets | 8.8755% | 5,636 |
| Core capital (leverage) ratio | 8.7536% | 5,253 |
| Tier 1 risk-based capital ratio | 12.9245% | 5,285 |
| Total risk-based capital ratio | 14.1810% | 5,228 |
| Memoranda: | ||
| Average total assets | $51,773,000 | 6,133 |
| Average earning assets | $47,214,500 | 6,119 |
| Average equity | $4,639,500 | 6,355 |
| Average total loans | $34,315,000 | 5,695 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9014% | 1,835 |
| Cost of funding earning assets | 0.7321% | 3,234 |
| Net interest margin | 4.1693% | 1,744 |
| Noninterest income to average assets | 0.0784% | 6,589 |
| Noninterest expense to average assets | 3.1135% | 2,891 |
| Loan and lease loss provision to assets | 0.0667% | 4,917 |
| Net operating income to assets | 0.6274% | 4,100 |
| Return on assets (ROA) | 0.7313% | 3,845 |
| Pretax return on assets | 0.7313% | 4,553 |
| Return on Equity (ROE) | 8.2992% | 2,962 |
| Retained earnings to average equity (ytd only) | 5.5847% | 2,329 |
| Net charge-offs to loans | 0.1544% | 4,157 |
| Credit loss provision to net charge-offs | 64.1509% | 4,338 |
| Earnings coverage of net charge-offs (x) | 6.6792% | 2,768 |
| Efficiency ratio | 81.7714% | 1,905 |
| Assets per employee ($millions) | 4.2610% | 3,439 |
| Cash dividends to net income (ytd only)* | 32.7078% | 3,246 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6387% | 3,150 |
| Loan loss allowance to noncurrent loans | 210.7807% | 1,764 |
| Noncurrent assets plus other real estate owned to assets | 1.7054% | 2,842 |
| Noncurrent loans to loans | 0.7775% | 4,626 |
| Net loans and leases to total assets | 66.5591% | 2,447 |
| Net loans and leases to deposits | 75.9394% | 2,816 |
| Net loans and leases to core deposits | 79.9441% | 3,010 |
| Total domestic deposits to total assets | 87.6477% | 2,452 |
| Equity capital to assets | 9.0491% | 5,468 |
| Core capital (leverage) ratio | 9.0008% | 4,897 |
| Tier 1 risk-based capital ratio | 12.6653% | 5,352 |
| Total risk-based capital ratio | 13.9185% | 5,292 |
| Memoranda: | ||
| Average total assets | $51,003,400 | 6,184 |
| Average earning assets | $45,619,400 | 6,186 |
| Average equity | $4,494,400 | 6,445 |
| Average total loans | $34,334,600 | 5,747 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9298% | 1,902 |
| Cost of funding earning assets | 0.7826% | 3,088 |
| Net interest margin | 4.1473% | 1,910 |
| Noninterest income to average assets | 0.1831% | 6,208 |
| Noninterest expense to average assets | 3.0762% | 2,959 |
| Loan and lease loss provision to assets | 0.0262% | 5,456 |
| Net operating income to assets | 0.7821% | 3,542 |
| Return on assets (ROA) | 0.9234% | 3,088 |
| Pretax return on assets | 0.9234% | 4,016 |
| Return on Equity (ROE) | 10.5497% | 2,116 |
| Retained earnings to average equity (ytd only) | 6.9037% | 2,178 |
| Net charge-offs to loans | 0.2023% | 3,520 |
| Credit loss provision to net charge-offs | 19.2308% | 4,965 |
| Earnings coverage of net charge-offs (x) | 5.9424% | 2,888 |
| Efficiency ratio | 79.1919% | 2,209 |
| Assets per employee ($millions) | 4.2458% | 3,374 |
| Cash dividends to net income (ytd only)* | 34.5607% | 2,414 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5962% | 3,531 |
| Loan loss allowance to noncurrent loans | 197.8182% | 1,797 |
| Noncurrent assets plus other real estate owned to assets | 2.5476% | 2,073 |
| Noncurrent loans to loans | 0.8069% | 4,796 |
| Net loans and leases to total assets | 65.8227% | 2,687 |
| Net loans and leases to deposits | 75.6013% | 3,039 |
| Net loans and leases to core deposits | 79.5578% | 3,263 |
| Total domestic deposits to total assets | 87.0655% | 2,623 |
| Equity capital to assets | 9.0914% | 5,724 |
| Core capital (leverage) ratio | 8.9074% | 5,185 |
| Tier 1 risk-based capital ratio | 12.2827% | 5,781 |
| Total risk-based capital ratio | 13.5359% | 5,751 |
| Memoranda: | ||
| Average total assets | $50,971,250 | 6,253 |
| Average earning assets | $45,490,500 | 6,264 |
| Average equity | $4,461,250 | 6,522 |
| Average total loans | $34,268,250 | 5,821 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9209% | 2,025 |
| Cost of funding earning assets | 0.8318% | 2,933 |
| Net interest margin | 4.0890% | 2,134 |
| Noninterest income to average assets | 0.1726% | 6,317 |
| Noninterest expense to average assets | 2.9895% | 3,294 |
| Loan and lease loss provision to assets | 0.0392% | 5,182 |
| Net operating income to assets | 0.8082% | 3,361 |
| Return on assets (ROA) | 0.9376% | 2,987 |
| Pretax return on assets | 0.9376% | 3,932 |
| Return on Equity (ROE) | 10.8530% | 2,044 |
| Retained earnings to average equity (ytd only) | 5.3130% | 3,085 |
| Net charge-offs to loans | 0.2272% | 3,212 |
| Credit loss provision to net charge-offs | 25.6410% | 4,514 |
| Earnings coverage of net charge-offs (x) | 5.5385% | 2,812 |
| Efficiency ratio | 77.9141% | 2,468 |
| Assets per employee ($millions) | 4.2361% | 3,388 |
| Cash dividends to net income (ytd only)* | 51.0460% | 1,696 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6865% | 3,284 |
| Loan loss allowance to noncurrent loans | 202.5455% | 1,685 |
| Noncurrent assets plus other real estate owned to assets | 2.6813% | 2,060 |
| Noncurrent loans to loans | 0.8327% | 4,849 |
| Net loans and leases to total assets | 63.8739% | 3,066 |
| Net loans and leases to deposits | 76.0007% | 2,991 |
| Net loans and leases to core deposits | 79.8785% | 3,238 |
| Total domestic deposits to total assets | 84.0438% | 4,305 |
| Equity capital to assets | 8.7660% | 5,951 |
| Core capital (leverage) ratio | 8.7019% | 5,380 |
| Tier 1 risk-based capital ratio | 12.1485% | 5,835 |
| Total risk-based capital ratio | 13.4005% | 5,810 |
| Memoranda: | ||
| Average total assets | $50,978,670 | 6,291 |
| Average earning assets | $45,683,000 | 6,295 |
| Average equity | $4,404,330 | 6,568 |
| Average total loans | $34,331,000 | 5,856 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9571% | 2,048 |
| Cost of funding earning assets | 0.8686% | 2,931 |
| Net interest margin | 4.0885% | 2,147 |
| Noninterest income to average assets | 0.3212% | 5,305 |
| Noninterest expense to average assets | 3.0322% | 3,147 |
| Loan and lease loss provision to assets | 0.0627% | 4,635 |
| Net operating income to assets | 0.8775% | 3,026 |
| Return on assets (ROA) | 0.9167% | 3,060 |
| Pretax return on assets | 0.9167% | 3,976 |
| Return on Equity (ROE) | 10.6886% | 2,145 |
| Retained earnings to average equity (ytd only) | 7.7652% | 2,064 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.3314% | 2,738 |
| Assets per employee ($millions) | 3.9385% | 4,132 |
| Cash dividends to net income (ytd only)* | 27.3504% | 2,158 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6862% | 3,405 |
| Loan loss allowance to noncurrent loans | 77.5457% | 3,760 |
| Noncurrent assets plus other real estate owned to assets | 3.1563% | 1,833 |
| Noncurrent loans to loans | 2.1744% | 2,939 |
| Net loans and leases to total assets | 67.6445% | 2,181 |
| Net loans and leases to deposits | 80.3666% | 2,157 |
| Net loans and leases to core deposits | 84.3682% | 2,504 |
| Total domestic deposits to total assets | 84.1699% | 4,413 |
| Equity capital to assets | 8.6895% | 5,884 |
| Core capital (leverage) ratio | 8.6681% | 5,355 |
| Tier 1 risk-based capital ratio | 11.4926% | 6,285 |
| Total risk-based capital ratio | 12.7462% | 6,262 |
| Memoranda: | ||
| Average total assets | $51,051,500 | 6,336 |
| Average earning assets | $45,591,500 | 6,343 |
| Average equity | $4,378,500 | 6,613 |
| Average total loans | $34,983,500 | 5,872 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2236% | 1,971 |
| Cost of funding earning assets | 1.0613% | 2,945 |
| Net interest margin | 4.1623% | 2,187 |
| Noninterest income to average assets | 0.1974% | 6,094 |
| Noninterest expense to average assets | 3.1824% | 2,930 |
| Loan and lease loss provision to assets | 0.4129% | 2,530 |
| Net operating income to assets | 0.3464% | 5,084 |
| Return on assets (ROA) | 0.4431% | 4,884 |
| Pretax return on assets | 0.4431% | 5,156 |
| Return on Equity (ROE) | 5.0403% | 4,369 |
| Retained earnings to average equity (ytd only) | 0.1833% | 5,756 |
| Net charge-offs to loans | 0.1952% | 4,582 |
| Credit loss provision to net charge-offs | 297.1014% | 795 |
| Earnings coverage of net charge-offs (x) | 5.4638% | 2,782 |
| Efficiency ratio | 80.7358% | 2,196 |
| Assets per employee ($millions) | 3.9156% | 4,036 |
| Cash dividends to net income (ytd only)* | 96.3636% | 403 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6869% | 3,249 |
| Loan loss allowance to noncurrent loans | 207.0671% | 1,597 |
| Noncurrent assets plus other real estate owned to assets | 2.2985% | 2,628 |
| Noncurrent loans to loans | 0.8146% | 5,061 |
| Net loans and leases to total assets | 67.0943% | 2,564 |
| Net loans and leases to deposits | 79.5458% | 2,606 |
| Net loans and leases to core deposits | 83.4486% | 2,963 |
| Total domestic deposits to total assets | 84.3467% | 4,168 |
| Equity capital to assets | 8.4632% | 6,189 |
| Core capital (leverage) ratio | 8.4955% | 5,568 |
| Tier 1 risk-based capital ratio | 11.4446% | 6,196 |
| Total risk-based capital ratio | 12.6991% | 6,183 |
| Memoranda: | ||
| Average total assets | $49,648,400 | 6,381 |
| Average earning assets | $44,663,000 | 6,369 |
| Average equity | $4,364,800 | 6,636 |
| Average total loans | $35,356,200 | 5,895 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2500% | 2,031 |
| Cost of funding earning assets | 1.0980% | 2,993 |
| Net interest margin | 4.1520% | 2,273 |
| Noninterest income to average assets | 0.1892% | 6,244 |
| Noninterest expense to average assets | 3.1188% | 3,094 |
| Loan and lease loss provision to assets | 0.5811% | 1,692 |
| Net operating income to assets | 0.2297% | 5,619 |
| Return on assets (ROA) | 0.3594% | 5,350 |
| Pretax return on assets | 0.3594% | 5,576 |
| Return on Equity (ROE) | 4.0496% | 4,970 |
| Retained earnings to average equity (ytd only) | 0.6394% | 5,760 |
| Net charge-offs to loans | 0.0150% | 5,943 |
| Credit loss provision to net charge-offs | 5,375.0000% | 55 |
| Earnings coverage of net charge-offs (x) | 75.0450% | 456 |
| Efficiency ratio | 79.3673% | 2,352 |
| Assets per employee ($millions) | 3.8423% | 4,207 |
| Cash dividends to net income (ytd only)* | 84.2102% | 534 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8054% | 2,923 |
| Loan loss allowance to noncurrent loans | 141.8455% | 2,130 |
| Noncurrent assets plus other real estate owned to assets | 2.5405% | 2,531 |
| Noncurrent loans to loans | 1.2728% | 4,404 |
| Net loans and leases to total assets | 71.9760% | 1,706 |
| Net loans and leases to deposits | 85.6551% | 1,728 |
| Net loans and leases to core deposits | 90.5295% | 2,185 |
| Total domestic deposits to total assets | 84.0300% | 4,216 |
| Equity capital to assets | 8.7708% | 6,012 |
| Core capital (leverage) ratio | 8.5746% | 5,592 |
| Tier 1 risk-based capital ratio | 10.8783% | 6,615 |
| Total risk-based capital ratio | 12.1330% | 6,594 |
| Memoranda: | ||
| Average total assets | $49,334,750 | 6,445 |
| Average earning assets | $44,443,500 | 6,442 |
| Average equity | $4,379,000 | 6,682 |
| Average total loans | $35,510,500 | 5,946 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2504% | 2,061 |
| Cost of funding earning assets | 1.1341% | 3,014 |
| Net interest margin | 4.1162% | 2,353 |
| Noninterest income to average assets | 0.1628% | 6,489 |
| Noninterest expense to average assets | 3.2038% | 2,883 |
| Loan and lease loss provision to assets | 0.0611% | 5,542 |
| Net operating income to assets | 0.6066% | 4,034 |
| Return on assets (ROA) | 0.7328% | 3,494 |
| Pretax return on assets | 0.7328% | 4,269 |
| Return on Equity (ROE) | 8.2223% | 2,849 |
| Retained earnings to average equity (ytd only) | 4.2939% | 3,465 |
| Net charge-offs to loans | -0.0512% | 7,034 |
| Credit loss provision to net charge-offs | -166.6667% | 6,367 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.7550% | 1,984 |
| Assets per employee ($millions) | 3.7584% | 4,301 |
| Cash dividends to net income (ytd only)* | 47.7778% | 1,761 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3348% | 4,897 |
| Loan loss allowance to noncurrent loans | 183.0116% | 1,649 |
| Noncurrent assets plus other real estate owned to assets | 2.0979% | 3,108 |
| Noncurrent loans to loans | 0.7293% | 5,455 |
| Net loans and leases to total assets | 71.7125% | 1,842 |
| Net loans and leases to deposits | 85.9006% | 1,808 |
| Net loans and leases to core deposits | 90.2669% | 2,341 |
| Total domestic deposits to total assets | 83.4831% | 4,554 |
| Equity capital to assets | 9.1467% | 5,367 |
| Core capital (leverage) ratio | 8.9040% | 4,871 |
| Tier 1 risk-based capital ratio | 11.7161% | 5,996 |
| Total risk-based capital ratio | 12.9832% | 5,987 |
| Memoranda: | ||
| Average total assets | $49,129,670 | 6,508 |
| Average earning assets | $44,263,670 | 6,501 |
| Average equity | $4,378,330 | 6,720 |
| Average total loans | $35,143,000 | 6,019 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0889% | 2,692 |
| Cost of funding earning assets | 1.1709% | 3,013 |
| Net interest margin | 3.9180% | 3,056 |
| Noninterest income to average assets | 0.3167% | 5,394 |
| Noninterest expense to average assets | 3.0935% | 3,271 |
| Loan and lease loss provision to assets | 0.0568% | 5,288 |
| Net operating income to assets | 0.6983% | 3,520 |
| Return on assets (ROA) | 0.6983% | 3,586 |
| Pretax return on assets | 0.6983% | 4,307 |
| Return on Equity (ROE) | 7.9391% | 2,939 |
| Retained earnings to average equity (ytd only) | 6.2774% | 2,473 |
| Net charge-offs to loans | -0.1030% | 7,097 |
| Credit loss provision to net charge-offs | -77.7778% | 5,690 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.3797% | 2,457 |
| Assets per employee ($millions) | 3.7912% | 4,319 |
| Cash dividends to net income (ytd only)* | 20.9302% | 2,188 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3488% | 4,907 |
| Loan loss allowance to noncurrent loans | 177.1863% | 1,661 |
| Noncurrent assets plus other real estate owned to assets | 2.3618% | 2,882 |
| Noncurrent loans to loans | 0.7612% | 5,508 |
| Net loans and leases to total assets | 69.1549% | 2,296 |
| Net loans and leases to deposits | 82.5374% | 2,265 |
| Net loans and leases to core deposits | 88.3529% | 2,556 |
| Total domestic deposits to total assets | 83.7861% | 4,579 |
| Equity capital to assets | 8.8526% | 5,416 |
| Core capital (leverage) ratio | 8.7270% | 5,043 |
| Tier 1 risk-based capital ratio | 11.5547% | 6,062 |
| Total risk-based capital ratio | 12.7908% | 6,050 |
| Memoranda: | ||
| Average total assets | $49,265,000 | 6,551 |
| Average earning assets | $44,410,000 | 6,549 |
| Average equity | $4,333,000 | 6,772 |
| Average total loans | $34,958,500 | 6,079 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4344% | 2,526 |
| Cost of funding earning assets | 1.4539% | 2,935 |
| Net interest margin | 3.9805% | 3,104 |
| Noninterest income to average assets | 0.3677% | 5,163 |
| Noninterest expense to average assets | 2.9557% | 4,014 |
| Loan and lease loss provision to assets | 0.3172% | 4,272 |
| Net operating income to assets | 0.5131% | 4,037 |
| Return on assets (ROA) | 0.5030% | 4,245 |
| Pretax return on assets | 0.5030% | 4,612 |
| Return on Equity (ROE) | 5.9721% | 3,622 |
| Retained earnings to average equity (ytd only) | 5.6363% | 2,027 |
| Net charge-offs to loans | 0.1930% | 5,140 |
| Credit loss provision to net charge-offs | 227.5362% | 1,294 |
| Earnings coverage of net charge-offs (x) | 5.9565% | 2,481 |
| Efficiency ratio | 78.0683% | 2,697 |
| Assets per employee ($millions) | 4.1038% | 3,571 |
| Cash dividends to net income (ytd only)* | 5.6225% | 3,866 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2723% | 5,149 |
| Loan loss allowance to noncurrent loans | 169.1729% | 1,765 |
| Noncurrent assets plus other real estate owned to assets | 2.3332% | 2,935 |
| Noncurrent loans to loans | 0.7521% | 5,541 |
| Net loans and leases to total assets | 70.9067% | 2,331 |
| Net loans and leases to deposits | 84.5513% | 2,371 |
| Net loans and leases to core deposits | 90.7834% | 2,652 |
| Total domestic deposits to total assets | 83.8623% | 4,414 |
| Equity capital to assets | 8.7379% | 5,528 |
| Core capital (leverage) ratio | 8.5811% | 5,222 |
| Tier 1 risk-based capital ratio | 10.9629% | 6,354 |
| Total risk-based capital ratio | 12.1131% | 6,406 |
| Memoranda: | ||
| Average total assets | $49,498,200 | 6,558 |
| Average earning assets | $42,507,200 | 6,625 |
| Average equity | $4,169,400 | 6,936 |
| Average total loans | $35,758,000 | 6,123 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4853% | 2,491 |
| Cost of funding earning assets | 1.4963% | 3,003 |
| Net interest margin | 3.9890% | 3,154 |
| Noninterest income to average assets | 0.4062% | 4,905 |
| Noninterest expense to average assets | 3.0050% | 3,723 |
| Loan and lease loss provision to assets | 0.3901% | 3,557 |
| Net operating income to assets | 0.4035% | 4,735 |
| Return on assets (ROA) | 0.4035% | 4,910 |
| Pretax return on assets | 0.4035% | 5,207 |
| Return on Equity (ROE) | 4.8356% | 4,382 |
| Retained earnings to average equity (ytd only) | 4.8356% | 3,099 |
| Net charge-offs to loans | 0.2566% | 4,408 |
| Credit loss provision to net charge-offs | 210.1449% | 1,671 |
| Earnings coverage of net charge-offs (x) | 4.2752% | 3,125 |
| Efficiency ratio | 79.1076% | 2,476 |
| Assets per employee ($millions) | 4.2155% | 3,420 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2182% | 5,397 |
| Loan loss allowance to noncurrent loans | 140.3846% | 2,012 |
| Noncurrent assets plus other real estate owned to assets | 2.4058% | 2,973 |
| Noncurrent loans to loans | 0.8677% | 5,485 |
| Net loans and leases to total assets | 70.2131% | 2,686 |
| Net loans and leases to deposits | 83.1745% | 2,878 |
| Net loans and leases to core deposits | 93.4021% | 2,609 |
| Total domestic deposits to total assets | 84.4166% | 3,915 |
| Equity capital to assets | 8.3897% | 6,406 |
| Core capital (leverage) ratio | 8.2671% | 5,933 |
| Tier 1 risk-based capital ratio | 10.6225% | 6,692 |
| Total risk-based capital ratio | 11.7295% | 6,779 |
| Memoranda: | ||
| Average total assets | $49,561,500 | 6,640 |
| Average earning assets | $42,148,000 | 6,718 |
| Average equity | $4,136,000 | 7,035 |
| Average total loans | $35,855,500 | 6,210 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4754% | 2,629 |
| Cost of funding earning assets | 1.4898% | 3,310 |
| Net interest margin | 3.9855% | 3,087 |
| Noninterest income to average assets | 0.3657% | 5,214 |
| Noninterest expense to average assets | 3.0272% | 3,606 |
| Loan and lease loss provision to assets | 0.4998% | 2,802 |
| Net operating income to assets | 0.2519% | 5,369 |
| Return on assets (ROA) | 0.2519% | 5,507 |
| Pretax return on assets | 0.2519% | 5,652 |
| Return on Equity (ROE) | 3.0244% | 5,219 |
| Retained earnings to average equity (ytd only) | 3.0244% | 4,190 |
| Net charge-offs to loans | 0.4857% | 3,084 |
| Credit loss provision to net charge-offs | 141.3793% | 2,824 |
| Earnings coverage of net charge-offs (x) | 2.1264% | 3,955 |
| Efficiency ratio | 80.1075% | 2,430 |
| Assets per employee ($millions) | 4.1109% | 3,564 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0972% | 5,952 |
| Loan loss allowance to noncurrent loans | 181.7352% | 1,555 |
| Noncurrent assets plus other real estate owned to assets | 2.3494% | 3,077 |
| Noncurrent loans to loans | 0.6037% | 6,033 |
| Net loans and leases to total assets | 72.7271% | 2,223 |
| Net loans and leases to deposits | 87.4132% | 2,276 |
| Net loans and leases to core deposits | 97.8748% | 2,244 |
| Total domestic deposits to total assets | 83.1992% | 4,486 |
| Equity capital to assets | 8.3984% | 6,305 |
| Core capital (leverage) ratio | 8.4502% | 5,494 |
| Tier 1 risk-based capital ratio | 10.3461% | 6,801 |
| Total risk-based capital ratio | 11.3466% | 6,946 |
| Memoranda: | ||
| Average total assets | $49,220,000 | 6,684 |
| Average earning assets | $42,152,330 | 6,772 |
| Average equity | $4,100,000 | 7,081 |
| Average total loans | $35,822,000 | 6,254 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5396% | 2,406 |
| Cost of funding earning assets | 1.5065% | 3,509 |
| Net interest margin | 4.0331% | 2,725 |
| Noninterest income to average assets | 0.4393% | 4,565 |
| Noninterest expense to average assets | 2.9127% | 4,006 |
| Loan and lease loss provision to assets | 0.8136% | 1,553 |
| Net operating income to assets | 0.1546% | 5,838 |
| Return on assets (ROA) | 0.1546% | 5,965 |
| Pretax return on assets | 0.1546% | 6,005 |
| Return on Equity (ROE) | 1.8634% | 5,816 |
| Retained earnings to average equity (ytd only) | 1.8634% | 5,000 |
| Net charge-offs to loans | -0.0112% | 6,918 |
| Credit loss provision to net charge-offs | -10,000.0000% | 6,693 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.0524% | 3,395 |
| Assets per employee ($millions) | 4.0509% | 3,753 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2933% | 4,970 |
| Loan loss allowance to noncurrent loans | 67.7892% | 3,967 |
| Noncurrent assets plus other real estate owned to assets | 2.6866% | 2,713 |
| Noncurrent loans to loans | 1.9079% | 3,913 |
| Net loans and leases to total assets | 72.6914% | 2,286 |
| Net loans and leases to deposits | 86.4109% | 2,512 |
| Net loans and leases to core deposits | 96.7420% | 2,493 |
| Total domestic deposits to total assets | 84.1229% | 4,090 |
| Equity capital to assets | 8.4117% | 6,147 |
| Core capital (leverage) ratio | 8.4216% | 5,520 |
| Tier 1 risk-based capital ratio | 10.2950% | 6,810 |
| Total risk-based capital ratio | 11.4656% | 6,868 |
| Memoranda: | ||
| Average total assets | $49,164,500 | 6,757 |
| Average earning assets | $41,952,500 | 6,860 |
| Average equity | $4,078,500 | 7,155 |
| Average total loans | $35,595,500 | 6,334 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6696% | 3,257 |
| Cost of funding earning assets | 1.9633% | 3,134 |
| Net interest margin | 3.7063% | 4,111 |
| Noninterest income to average assets | 0.4480% | 4,826 |
| Noninterest expense to average assets | 3.1463% | 3,564 |
| Loan and lease loss provision to assets | 1.4955% | 1,540 |
| Net operating income to assets | -0.9667% | 6,553 |
| Return on assets (ROA) | -0.7992% | 6,435 |
| Pretax return on assets | -0.7992% | 6,263 |
| Return on Equity (ROE) | -9.4035% | 6,573 |
| Retained earnings to average equity (ytd only) | -11.4457% | 6,637 |
| Net charge-offs to loans | 2.1665% | 1,110 |
| Credit loss provision to net charge-offs | 92.7409% | 5,903 |
| Earnings coverage of net charge-offs (x) | 0.3279% | 5,785 |
| Efficiency ratio | 85.6123% | 2,159 |
| Assets per employee ($millions) | 3.8245% | 4,221 |
| Cash dividends to net income (ytd only)* | -21.7172% | 7,704 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0228% | 6,256 |
| Loan loss allowance to noncurrent loans | 51.9369% | 4,904 |
| Noncurrent assets plus other real estate owned to assets | 2.6590% | 2,637 |
| Noncurrent loans to loans | 1.9694% | 3,692 |
| Net loans and leases to total assets | 70.4574% | 3,143 |
| Net loans and leases to deposits | 83.4266% | 3,371 |
| Net loans and leases to core deposits | 106.6297% | 3,260 |
| Total domestic deposits to total assets | 84.4543% | 3,817 |
| Equity capital to assets | 8.1821% | 6,362 |
| Core capital (leverage) ratio | 8.4364% | 5,377 |
| Tier 1 risk-based capital ratio | 10.2894% | 6,602 |
| Total risk-based capital ratio | 11.2084% | 6,888 |
| Memoranda: | ||
| Average total assets | $49,550,200 | 6,729 |
| Average earning assets | $43,142,600 | 6,808 |
| Average equity | $4,211,200 | 7,207 |
| Average total loans | $36,880,200 | 6,252 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7466% | 3,112 |
| Cost of funding earning assets | 2.0627% | 3,064 |
| Net interest margin | 3.6840% | 4,142 |
| Noninterest income to average assets | 0.4686% | 4,760 |
| Noninterest expense to average assets | 3.0997% | 3,651 |
| Loan and lease loss provision to assets | 0.8106% | 2,344 |
| Net operating income to assets | -0.2047% | 6,070 |
| Return on assets (ROA) | -0.0242% | 5,812 |
| Pretax return on assets | -0.0242% | 5,745 |
| Return on Equity (ROE) | -0.2826% | 5,822 |
| Retained earnings to average equity (ytd only) | -2.9823% | 5,932 |
| Net charge-offs to loans | 1.0021% | 1,968 |
| Credit loss provision to net charge-offs | 107.5000% | 4,728 |
| Earnings coverage of net charge-offs (x) | 0.8036% | 5,252 |
| Efficiency ratio | 83.6483% | 2,333 |
| Assets per employee ($millions) | 3.7805% | 4,225 |
| Cash dividends to net income (ytd only)* | -955.5000% | 8,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2130% | 5,038 |
| Loan loss allowance to noncurrent loans | 20.8609% | 7,047 |
| Noncurrent assets plus other real estate owned to assets | 5.0726% | 1,152 |
| Noncurrent loans to loans | 5.8149% | 1,041 |
| Net loans and leases to total assets | 73.0761% | 2,770 |
| Net loans and leases to deposits | 87.6593% | 3,030 |
| Net loans and leases to core deposits | 115.9638% | 2,626 |
| Total domestic deposits to total assets | 83.3639% | 4,032 |
| Equity capital to assets | 9.1157% | 5,312 |
| Core capital (leverage) ratio | 8.7987% | 4,977 |
| Tier 1 risk-based capital ratio | 11.0872% | 5,864 |
| Total risk-based capital ratio | 12.1885% | 5,968 |
| Memoranda: | ||
| Average total assets | $49,508,250 | 6,779 |
| Average earning assets | $43,502,750 | 6,839 |
| Average equity | $4,247,000 | 7,264 |
| Average total loans | $37,252,250 | 6,277 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7570% | 3,267 |
| Cost of funding earning assets | 2.0782% | 3,376 |
| Net interest margin | 3.6788% | 4,048 |
| Noninterest income to average assets | 0.4796% | 4,630 |
| Noninterest expense to average assets | 3.1796% | 3,392 |
| Loan and lease loss provision to assets | 1.1526% | 1,490 |
| Net operating income to assets | -0.5924% | 6,651 |
| Return on assets (ROA) | -0.5924% | 6,656 |
| Pretax return on assets | -0.5924% | 6,514 |
| Return on Equity (ROE) | -7.0515% | 6,808 |
| Retained earnings to average equity (ytd only) | -11.1769% | 6,980 |
| Net charge-offs to loans | 1.3741% | 1,364 |
| Credit loss provision to net charge-offs | 110.8527% | 4,177 |
| Earnings coverage of net charge-offs (x) | 0.5388% | 5,172 |
| Efficiency ratio | 85.0216% | 2,355 |
| Assets per employee ($millions) | 3.8051% | 4,087 |
| Cash dividends to net income (ytd only)* | -58.5034% | 8,019 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2024% | 4,922 |
| Loan loss allowance to noncurrent loans | 23.4555% | 6,940 |
| Noncurrent assets plus other real estate owned to assets | 4.6274% | 1,197 |
| Noncurrent loans to loans | 5.1263% | 1,176 |
| Net loans and leases to total assets | 74.4168% | 2,591 |
| Net loans and leases to deposits | 88.9434% | 3,000 |
| Net loans and leases to core deposits | 115.9986% | 2,711 |
| Total domestic deposits to total assets | 83.6676% | 3,933 |
| Equity capital to assets | 8.8040% | 5,594 |
| Core capital (leverage) ratio | 8.7393% | 5,022 |
| Tier 1 risk-based capital ratio | 10.3610% | 6,521 |
| Total risk-based capital ratio | 11.4400% | 6,654 |
| Memoranda: | ||
| Average total assets | $49,629,000 | 6,846 |
| Average earning assets | $43,981,330 | 6,882 |
| Average equity | $4,169,330 | 7,354 |
| Average total loans | $37,551,330 | 6,317 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9867% | 2,413 |
| Cost of funding earning assets | 2.1414% | 3,458 |
| Net interest margin | 3.8454% | 3,270 |
| Noninterest income to average assets | 0.4667% | 4,620 |
| Noninterest expense to average assets | 2.8244% | 4,448 |
| Loan and lease loss provision to assets | 0.2012% | 4,433 |
| Net operating income to assets | 0.8368% | 2,966 |
| Return on assets (ROA) | 0.8368% | 3,114 |
| Pretax return on assets | 0.8368% | 3,945 |
| Return on Equity (ROE) | 10.2048% | 2,240 |
| Retained earnings to average equity (ytd only) | 9.8123% | 1,244 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1250% | 3,983 |
| Assets per employee ($millions) | 3.8059% | 4,078 |
| Cash dividends to net income (ytd only)* | 3.8462% | 2,803 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1958% | 4,838 |
| Loan loss allowance to noncurrent loans | 32.9386% | 6,339 |
| Noncurrent assets plus other real estate owned to assets | 3.4966% | 1,542 |
| Noncurrent loans to loans | 3.6304% | 1,728 |
| Net loans and leases to total assets | 74.3153% | 2,674 |
| Net loans and leases to deposits | 88.2703% | 3,244 |
| Net loans and leases to core deposits | 116.7233% | 2,718 |
| Total domestic deposits to total assets | 84.1906% | 3,607 |
| Equity capital to assets | 8.3109% | 6,374 |
| Core capital (leverage) ratio | 8.4034% | 5,712 |
| Tier 1 risk-based capital ratio | 9.9727% | 6,961 |
| Total risk-based capital ratio | 11.0460% | 7,048 |
| Memoranda: | ||
| Average total assets | $49,710,500 | 6,881 |
| Average earning assets | $43,897,000 | 6,938 |
| Average equity | $4,076,500 | 7,429 |
| Average total loans | $37,697,500 | 6,346 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4831% | 3,044 |
| Cost of funding earning assets | 2.6516% | 3,417 |
| Net interest margin | 3.8314% | 3,887 |
| Noninterest income to average assets | 0.4312% | 5,201 |
| Noninterest expense to average assets | 2.9890% | 4,116 |
| Loan and lease loss provision to assets | 0.3866% | 3,375 |
| Net operating income to assets | 0.5120% | 4,676 |
| Return on assets (ROA) | 0.5162% | 4,513 |
| Pretax return on assets | 0.5162% | 4,930 |
| Return on Equity (ROE) | 6.0265% | 3,931 |
| Retained earnings to average equity (ytd only) | 0.9176% | 4,679 |
| Net charge-offs to loans | 0.2363% | 3,885 |
| Credit loss provision to net charge-offs | 206.8182% | 2,344 |
| Earnings coverage of net charge-offs (x) | 4.8068% | 3,849 |
| Efficiency ratio | 76.8852% | 3,097 |
| Assets per employee ($millions) | 3.8418% | 3,875 |
| Cash dividends to net income (ytd only)* | 84.7737% | 1,498 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1000% | 5,298 |
| Loan loss allowance to noncurrent loans | 22.0704% | 7,141 |
| Noncurrent assets plus other real estate owned to assets | 4.5691% | 814 |
| Noncurrent loans to loans | 4.9842% | 886 |
| Net loans and leases to total assets | 75.6067% | 2,726 |
| Net loans and leases to deposits | 89.5489% | 3,527 |
| Net loans and leases to core deposits | 119.9028% | 2,697 |
| Total domestic deposits to total assets | 84.4306% | 3,114 |
| Equity capital to assets | 8.0911% | 6,711 |
| Core capital (leverage) ratio | 8.0789% | 6,358 |
| Tier 1 risk-based capital ratio | 9.5363% | 7,268 |
| Total risk-based capital ratio | 10.5289% | 7,469 |
| Memoranda: | ||
| Average total assets | $47,072,600 | 6,899 |
| Average earning assets | $42,464,400 | 6,928 |
| Average equity | $4,032,200 | 7,502 |
| Average total loans | $37,233,400 | 6,304 |