Home > First Security Bank of Deer Lodge > Performance and Condition Ratios
First Security Bank of Deer Lodge, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2074% | 933 |
| Cost of funding earning assets | 2.1992% | 1,446 |
| Net interest margin | 4.0082% | 1,272 |
| Noninterest income to average assets | 0.4100% | 2,181 |
| Noninterest expense to average assets | 1.8610% | 3,816 |
| Loan and lease loss provision to assets | -0.0700% | 4,307 |
| Net operating income to assets | 2.4924% | 217 |
| Return on assets (ROA) | 2.4924% | 215 |
| Pretax return on assets | 2.4924% | 315 |
| Return on Equity (ROE) | 25.3200% | 189 |
| Retained earnings to average equity (ytd only) | -22.5918% | 4,400 |
| Net charge-offs to loans | 0.0000% | 2,326 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 43.4066% | 4,196 |
| Assets per employee ($millions) | 7.3403% | 1,989 |
| Cash dividends to net income (ytd only)* | 189.2250% | 168 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9333% | 3,508 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,773 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,816 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 80.1400% | 580 |
| Net loans and leases to deposits | 88.5427% | 1,253 |
| Net loans and leases to core deposits | 106.0899% | 1,024 |
| Total domestic deposits to total assets | 90.5100% | 659 |
| Equity capital to assets | 9.2196% | 2,774 |
| Core capital (leverage) ratio | 9.6893% | 3,087 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $84,899,000 | 3,899 |
| Average earning assets | $82,031,500 | 3,860 |
| Average equity | $8,357,000 | 3,951 |
| Average total loans | $71,700,500 | 3,553 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4209% | 786 |
| Cost of funding earning assets | 2.3493% | 1,451 |
| Net interest margin | 4.0715% | 1,089 |
| Noninterest income to average assets | 0.4400% | 2,226 |
| Noninterest expense to average assets | 1.9502% | 3,701 |
| Loan and lease loss provision to assets | -0.0200% | 4,147 |
| Net operating income to assets | 2.4191% | 237 |
| Return on assets (ROA) | 2.4191% | 236 |
| Pretax return on assets | 2.4191% | 331 |
| Return on Equity (ROE) | 24.7200% | 196 |
| Retained earnings to average equity (ytd only) | 3.2424% | 2,942 |
| Net charge-offs to loans | 0.0066% | 2,680 |
| Credit loss provision to net charge-offs | -320.0000% | 4,412 |
| Earnings coverage of net charge-offs (x) | 411.6000% | 299 |
| Efficiency ratio | 44.8257% | 4,209 |
| Assets per employee ($millions) | 6.2857% | 2,659 |
| Cash dividends to net income (ytd only)* | 86.8852% | 442 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9425% | 3,492 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,770 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,816 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 87.4600% | 99 |
| Net loans and leases to deposits | 98.0303% | 584 |
| Net loans and leases to core deposits | 110.7739% | 901 |
| Total domestic deposits to total assets | 89.2200% | 1,077 |
| Equity capital to assets | 10.5159% | 1,820 |
| Core capital (leverage) ratio | 10.0176% | 2,735 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $85,736,000 | 3,901 |
| Average earning assets | $82,278,600 | 3,853 |
| Average equity | $8,388,800 | 3,930 |
| Average total loans | $76,300,400 | 3,472 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3154% | 865 |
| Cost of funding earning assets | 2.3194% | 1,499 |
| Net interest margin | 3.9960% | 1,150 |
| Noninterest income to average assets | 0.4300% | 2,252 |
| Noninterest expense to average assets | 1.7292% | 4,039 |
| Loan and lease loss provision to assets | 0.0600% | 1,841 |
| Net operating income to assets | 2.4732% | 238 |
| Return on assets (ROA) | 2.4732% | 238 |
| Pretax return on assets | 2.4732% | 334 |
| Return on Equity (ROE) | 25.7300% | 184 |
| Retained earnings to average equity (ytd only) | 4.1097% | 2,809 |
| Net charge-offs to loans | 0.0052% | 2,495 |
| Credit loss provision to net charge-offs | 1,333.3333% | 327 |
| Earnings coverage of net charge-offs (x) | 549.6667% | 228 |
| Efficiency ratio | 40.5552% | 4,324 |
| Assets per employee ($millions) | 8.2050% | 1,410 |
| Cash dividends to net income (ytd only)* | 84.0273% | 434 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9456% | 3,504 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,813 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,861 |
| Noncurrent loans to loans | 0.0000% | 3,830 |
| Net loans and leases to total assets | 85.6600% | 163 |
| Net loans and leases to deposits | 99.8321% | 497 |
| Net loans and leases to core deposits | 112.5754% | 843 |
| Total domestic deposits to total assets | 85.8000% | 2,006 |
| Equity capital to assets | 9.5042% | 2,669 |
| Core capital (leverage) ratio | 9.4971% | 3,277 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $86,741,500 | 3,914 |
| Average earning assets | $83,180,750 | 3,866 |
| Average equity | $8,337,750 | 3,950 |
| Average total loans | $77,338,500 | 3,463 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2097% | 901 |
| Cost of funding earning assets | 2.1594% | 1,748 |
| Net interest margin | 4.0503% | 1,060 |
| Noninterest income to average assets | 0.4300% | 2,205 |
| Noninterest expense to average assets | 1.7646% | 3,988 |
| Loan and lease loss provision to assets | 0.0900% | 1,288 |
| Net operating income to assets | 2.4518% | 246 |
| Return on assets (ROA) | 2.4518% | 241 |
| Pretax return on assets | 2.4518% | 343 |
| Return on Equity (ROE) | 25.4100% | 207 |
| Retained earnings to average equity (ytd only) | -1.2352% | 4,084 |
| Net charge-offs to loans | 0.0000% | 2,619 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 40.9436% | 4,341 |
| Assets per employee ($millions) | 9.0678% | 984 |
| Cash dividends to net income (ytd only)* | 104.8618% | 337 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9382% | 3,561 |
| Loan loss allowance to noncurrent loans | 251.1864% | 2,030 |
| Noncurrent assets plus other real estate owned to assets | 0.3253% | 1,862 |
| Noncurrent loans to loans | 0.3735% | 2,069 |
| Net loans and leases to total assets | 86.2900% | 144 |
| Net loans and leases to deposits | 105.4530% | 325 |
| Net loans and leases to core deposits | 121.7180% | 587 |
| Total domestic deposits to total assets | 81.8300% | 3,127 |
| Equity capital to assets | 9.1202% | 2,657 |
| Core capital (leverage) ratio | 9.5909% | 3,163 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $85,570,333 | 3,936 |
| Average earning assets | $81,969,000 | 3,890 |
| Average equity | $8,257,667 | 3,947 |
| Average total loans | $77,102,000 | 3,470 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0897% | 949 |
| Cost of funding earning assets | 1.9175% | 2,211 |
| Net interest margin | 4.1722% | 890 |
| Noninterest income to average assets | 0.4300% | 2,109 |
| Noninterest expense to average assets | 1.8695% | 3,837 |
| Loan and lease loss provision to assets | 0.1000% | 1,031 |
| Net operating income to assets | 2.4573% | 252 |
| Return on assets (ROA) | 2.4573% | 253 |
| Pretax return on assets | 2.4573% | 351 |
| Return on Equity (ROE) | 24.7200% | 242 |
| Retained earnings to average equity (ytd only) | -6.7866% | 4,202 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 42.2658% | 4,288 |
| Assets per employee ($millions) | 7.5590% | 1,728 |
| Cash dividends to net income (ytd only)* | 127.4510% | 372 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9185% | 3,634 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,825 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,894 |
| Noncurrent loans to loans | 0.0000% | 3,844 |
| Net loans and leases to total assets | 93.5400% | 5 |
| Net loans and leases to deposits | 116.4234% | 112 |
| Net loans and leases to core deposits | 135.3290% | 332 |
| Total domestic deposits to total assets | 80.3500% | 3,476 |
| Equity capital to assets | 9.8390% | 2,110 |
| Core capital (leverage) ratio | 10.0502% | 2,717 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $83,016,500 | 3,980 |
| Average earning assets | $79,478,500 | 3,933 |
| Average equity | $8,251,500 | 3,968 |
| Average total loans | $76,160,500 | 3,492 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8266% | 796 |
| Cost of funding earning assets | 1.4192% | 2,176 |
| Net interest margin | 4.4074% | 702 |
| Noninterest income to average assets | 0.3500% | 2,791 |
| Noninterest expense to average assets | 1.9753% | 3,690 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 2.6011% | 224 |
| Return on assets (ROA) | 2.6011% | 218 |
| Pretax return on assets | 2.6011% | 302 |
| Return on Equity (ROE) | 27.6700% | 226 |
| Retained earnings to average equity (ytd only) | 9.6605% | 1,098 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 43.1633% | 4,283 |
| Assets per employee ($millions) | 6.9070% | 2,131 |
| Cash dividends to net income (ytd only)* | 65.0808% | 999 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9496% | 3,541 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 88.2200% | 78 |
| Net loans and leases to deposits | 100.9457% | 482 |
| Net loans and leases to core deposits | 108.5430% | 1,012 |
| Total domestic deposits to total assets | 87.3900% | 1,561 |
| Equity capital to assets | 10.0405% | 1,981 |
| Core capital (leverage) ratio | 9.8181% | 2,957 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $85,655,800 | 3,965 |
| Average earning assets | $82,157,200 | 3,905 |
| Average equity | $8,053,400 | 3,918 |
| Average total loans | $75,384,400 | 3,475 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6772% | 821 |
| Cost of funding earning assets | 1.3630% | 1,965 |
| Net interest margin | 4.3142% | 792 |
| Noninterest income to average assets | 0.3400% | 2,860 |
| Noninterest expense to average assets | 1.8282% | 3,931 |
| Loan and lease loss provision to assets | 0.0400% | 2,145 |
| Net operating income to assets | 2.6095% | 239 |
| Return on assets (ROA) | 2.6095% | 235 |
| Pretax return on assets | 2.6095% | 342 |
| Return on Equity (ROE) | 28.2100% | 266 |
| Retained earnings to average equity (ytd only) | 14.8585% | 576 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 40.8135% | 4,339 |
| Assets per employee ($millions) | 6.6907% | 2,188 |
| Cash dividends to net income (ytd only)* | 47.3373% | 1,363 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9579% | 3,536 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 86.5400% | 136 |
| Net loans and leases to deposits | 96.0223% | 754 |
| Net loans and leases to core deposits | 103.3205% | 1,152 |
| Total domestic deposits to total assets | 90.1200% | 912 |
| Equity capital to assets | 9.6954% | 1,999 |
| Core capital (leverage) ratio | 9.4903% | 3,313 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $86,348,750 | 3,974 |
| Average earning assets | $82,855,750 | 3,916 |
| Average equity | $7,986,250 | 3,936 |
| Average total loans | $75,775,250 | 3,477 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4286% | 925 |
| Cost of funding earning assets | 1.1988% | 1,995 |
| Net interest margin | 4.2298% | 892 |
| Noninterest income to average assets | 0.3400% | 2,832 |
| Noninterest expense to average assets | 1.8064% | 3,984 |
| Loan and lease loss provision to assets | 0.0600% | 1,720 |
| Net operating income to assets | 2.5308% | 238 |
| Return on assets (ROA) | 2.5308% | 234 |
| Pretax return on assets | 2.5308% | 341 |
| Return on Equity (ROE) | 27.8200% | 271 |
| Retained earnings to average equity (ytd only) | 12.5043% | 884 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 41.0554% | 4,364 |
| Assets per employee ($millions) | 6.7857% | 2,076 |
| Cash dividends to net income (ytd only)* | 55.0459% | 1,129 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9512% | 3,615 |
| Loan loss allowance to noncurrent loans | 6,618.1818% | 209 |
| Noncurrent assets plus other real estate owned to assets | 0.0125% | 3,723 |
| Noncurrent loans to loans | 0.0144% | 3,672 |
| Net loans and leases to total assets | 85.9300% | 156 |
| Net loans and leases to deposits | 102.3590% | 417 |
| Net loans and leases to core deposits | 109.3836% | 856 |
| Total domestic deposits to total assets | 83.9500% | 2,830 |
| Equity capital to assets | 9.1063% | 2,439 |
| Core capital (leverage) ratio | 9.4538% | 3,303 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $86,138,667 | 3,989 |
| Average earning assets | $82,747,000 | 3,926 |
| Average equity | $7,837,333 | 3,966 |
| Average total loans | $75,701,333 | 3,478 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3439% | 784 |
| Cost of funding earning assets | 1.0414% | 1,912 |
| Net interest margin | 4.3025% | 804 |
| Noninterest income to average assets | 0.3800% | 2,520 |
| Noninterest expense to average assets | 1.7297% | 4,159 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 2.7873% | 185 |
| Return on assets (ROA) | 2.7873% | 181 |
| Pretax return on assets | 2.7873% | 253 |
| Return on Equity (ROE) | 30.6500% | 222 |
| Retained earnings to average equity (ytd only) | 20.3114% | 358 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 38.2934% | 4,483 |
| Assets per employee ($millions) | 7.0508% | 1,942 |
| Cash dividends to net income (ytd only)* | 33.7268% | 1,633 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9267% | 3,783 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 88.5800% | 60 |
| Net loans and leases to deposits | 101.8385% | 365 |
| Net loans and leases to core deposits | 110.8719% | 672 |
| Total domestic deposits to total assets | 86.9800% | 2,271 |
| Equity capital to assets | 9.3796% | 2,241 |
| Core capital (leverage) ratio | 9.5367% | 3,166 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $85,101,000 | 4,050 |
| Average earning assets | $81,813,500 | 3,996 |
| Average equity | $7,739,500 | 4,028 |
| Average total loans | $75,285,500 | 3,523 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7692% | 455 |
| Cost of funding earning assets | 0.5554% | 1,086 |
| Net interest margin | 4.2137% | 513 |
| Noninterest income to average assets | 0.3800% | 2,814 |
| Noninterest expense to average assets | 1.9531% | 3,705 |
| Loan and lease loss provision to assets | 0.2100% | 483 |
| Net operating income to assets | 2.2589% | 194 |
| Return on assets (ROA) | 2.2589% | 186 |
| Pretax return on assets | 2.2589% | 285 |
| Return on Equity (ROE) | 25.7700% | 183 |
| Retained earnings to average equity (ytd only) | 15.1309% | 284 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 44.1913% | 4,423 |
| Assets per employee ($millions) | 7.7812% | 1,445 |
| Cash dividends to net income (ytd only)* | 41.2768% | 1,833 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9356% | 3,644 |
| Loan loss allowance to noncurrent loans | 60.6926% | 3,619 |
| Noncurrent assets plus other real estate owned to assets | 1.3494% | 261 |
| Noncurrent loans to loans | 1.5415% | 421 |
| Net loans and leases to total assets | 86.7200% | 117 |
| Net loans and leases to deposits | 95.1748% | 701 |
| Net loans and leases to core deposits | 101.1419% | 940 |
| Total domestic deposits to total assets | 91.1100% | 913 |
| Equity capital to assets | 8.8126% | 2,479 |
| Core capital (leverage) ratio | 8.8507% | 3,819 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4764% | 1,790 |
| Memoranda: | ||
| Average total assets | $80,437,200 | 4,127 |
| Average earning assets | $77,057,600 | 4,074 |
| Average equity | $7,051,800 | 4,206 |
| Average total loans | $68,457,600 | 3,603 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6241% | 407 |
| Cost of funding earning assets | 0.4036% | 1,260 |
| Net interest margin | 4.2205% | 400 |
| Noninterest income to average assets | 0.3400% | 3,099 |
| Noninterest expense to average assets | 1.8042% | 3,979 |
| Loan and lease loss provision to assets | 0.2800% | 264 |
| Net operating income to assets | 2.2910% | 192 |
| Return on assets (ROA) | 2.2910% | 189 |
| Pretax return on assets | 2.2910% | 280 |
| Return on Equity (ROE) | 26.1700% | 160 |
| Retained earnings to average equity (ytd only) | 16.5484% | 240 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 41.2240% | 4,544 |
| Assets per employee ($millions) | 7.5479% | 1,585 |
| Cash dividends to net income (ytd only)* | 36.7647% | 1,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9303% | 3,767 |
| Loan loss allowance to noncurrent loans | 14,020.0000% | 108 |
| Noncurrent assets plus other real estate owned to assets | 0.0060% | 3,949 |
| Noncurrent loans to loans | 0.0066% | 3,906 |
| Net loans and leases to total assets | 89.9100% | 29 |
| Net loans and leases to deposits | 98.6872% | 420 |
| Net loans and leases to core deposits | 101.2368% | 773 |
| Total domestic deposits to total assets | 91.1100% | 1,193 |
| Equity capital to assets | 8.8357% | 2,326 |
| Core capital (leverage) ratio | 8.9775% | 3,631 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1831% | 1,979 |
| Memoranda: | ||
| Average total assets | $79,148,250 | 4,169 |
| Average earning assets | $75,659,750 | 4,122 |
| Average equity | $6,929,000 | 4,266 |
| Average total loans | $66,840,750 | 3,649 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4132% | 428 |
| Cost of funding earning assets | 0.3095% | 1,632 |
| Net interest margin | 4.1037% | 393 |
| Noninterest income to average assets | 0.3288% | 3,197 |
| Noninterest expense to average assets | 1.7674% | 4,025 |
| Loan and lease loss provision to assets | 0.2595% | 273 |
| Net operating income to assets | 2.2195% | 156 |
| Return on assets (ROA) | 2.2195% | 156 |
| Pretax return on assets | 2.2195% | 236 |
| Return on Equity (ROE) | 25.4367% | 104 |
| Retained earnings to average equity (ytd only) | 16.6045% | 166 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.6213% | 4,579 |
| Assets per employee ($millions) | 7.2316% | 1,784 |
| Cash dividends to net income (ytd only)* | 34.7222% | 1,928 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8976% | 3,956 |
| Loan loss allowance to noncurrent loans | 7,055.5556% | 193 |
| Noncurrent assets plus other real estate owned to assets | 0.0113% | 3,918 |
| Noncurrent loans to loans | 0.0127% | 3,881 |
| Net loans and leases to total assets | 88.1367% | 39 |
| Net loans and leases to deposits | 96.7529% | 396 |
| Net loans and leases to core deposits | 98.6617% | 734 |
| Total domestic deposits to total assets | 91.0947% | 1,185 |
| Equity capital to assets | 8.8500% | 2,497 |
| Core capital (leverage) ratio | 9.0088% | 3,459 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2140% | 1,972 |
| Memoranda: | ||
| Average total assets | $77,855,333 | 4,227 |
| Average earning assets | $74,322,333 | 4,185 |
| Average equity | $6,793,333 | 4,338 |
| Average total loans | $64,004,333 | 3,726 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0564% | 690 |
| Cost of funding earning assets | 0.2621% | 2,022 |
| Net interest margin | 3.7943% | 639 |
| Noninterest income to average assets | 0.3376% | 3,071 |
| Noninterest expense to average assets | 1.8387% | 3,843 |
| Loan and lease loss provision to assets | 0.0935% | 881 |
| Net operating income to assets | 2.0153% | 216 |
| Return on assets (ROA) | 2.0153% | 213 |
| Pretax return on assets | 2.0153% | 341 |
| Return on Equity (ROE) | 23.2684% | 115 |
| Retained earnings to average equity (ytd only) | 23.2684% | 56 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.5789% | 4,469 |
| Assets per employee ($millions) | 7.1667% | 1,878 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9114% | 4,011 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 76.1309% | 499 |
| Net loans and leases to deposits | 84.6192% | 842 |
| Net loans and leases to core deposits | 86.3243% | 1,109 |
| Total domestic deposits to total assets | 89.9688% | 1,583 |
| Equity capital to assets | 8.7069% | 2,968 |
| Core capital (leverage) ratio | 8.8666% | 3,493 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6591% | 1,595 |
| Memoranda: | ||
| Average total assets | $77,009,000 | 4,257 |
| Average earning assets | $73,267,000 | 4,223 |
| Average equity | $6,670,000 | 4,393 |
| Average total loans | $60,633,500 | 3,785 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3719% | 155 |
| Cost of funding earning assets | 0.2930% | 2,471 |
| Net interest margin | 5.0790% | 129 |
| Noninterest income to average assets | 0.3817% | 3,156 |
| Noninterest expense to average assets | 2.1255% | 3,321 |
| Loan and lease loss provision to assets | 0.3233% | 237 |
| Net operating income to assets | 2.7078% | 128 |
| Return on assets (ROA) | 2.7078% | 129 |
| Pretax return on assets | 2.7078% | 200 |
| Return on Equity (ROE) | 30.9930% | 63 |
| Retained earnings to average equity (ytd only) | 23.2833% | 32 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.2192% | 4,661 |
| Assets per employee ($millions) | 6.8349% | 2,042 |
| Cash dividends to net income (ytd only)* | 24.8756% | 2,797 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8798% | 4,111 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 80.0223% | 266 |
| Net loans and leases to deposits | 90.2469% | 559 |
| Net loans and leases to core deposits | 91.8324% | 888 |
| Total domestic deposits to total assets | 88.6705% | 1,688 |
| Equity capital to assets | 8.6135% | 3,974 |
| Core capital (leverage) ratio | 8.7136% | 3,710 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1120% | 1,808 |
| Memoranda: | ||
| Average total assets | $66,807,400 | 4,372 |
| Average earning assets | $62,808,000 | 4,353 |
| Average equity | $5,836,800 | 4,549 |
| Average total loans | $51,323,000 | 3,975 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6696% | 124 |
| Cost of funding earning assets | 0.2860% | 2,740 |
| Net interest margin | 5.3836% | 98 |
| Noninterest income to average assets | 0.3770% | 3,220 |
| Noninterest expense to average assets | 2.0356% | 3,570 |
| Loan and lease loss provision to assets | 0.3709% | 186 |
| Net operating income to assets | 3.0122% | 125 |
| Return on assets (ROA) | 3.0122% | 124 |
| Pretax return on assets | 3.0122% | 175 |
| Return on Equity (ROE) | 34.3365% | 61 |
| Retained earnings to average equity (ytd only) | 23.7678% | 64 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.5665% | 4,782 |
| Assets per employee ($millions) | 6.5000% | 2,244 |
| Cash dividends to net income (ytd only)* | 30.7798% | 2,043 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8794% | 4,206 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 78.5035% | 371 |
| Net loans and leases to deposits | 90.0443% | 607 |
| Net loans and leases to core deposits | 91.7382% | 934 |
| Total domestic deposits to total assets | 87.1832% | 2,275 |
| Equity capital to assets | 8.5720% | 4,162 |
| Core capital (leverage) ratio | 8.9650% | 3,590 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3737% | 1,839 |
| Memoranda: | ||
| Average total assets | $64,713,250 | 4,455 |
| Average earning assets | $60,602,000 | 4,438 |
| Average equity | $5,677,000 | 4,631 |
| Average total loans | $48,979,250 | 4,078 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3331% | 66 |
| Cost of funding earning assets | 0.2950% | 2,819 |
| Net interest margin | 6.0380% | 57 |
| Noninterest income to average assets | 0.3875% | 3,171 |
| Noninterest expense to average assets | 2.2001% | 3,092 |
| Loan and lease loss provision to assets | 0.3363% | 232 |
| Net operating income to assets | 3.4875% | 90 |
| Return on assets (ROA) | 3.4875% | 92 |
| Pretax return on assets | 3.4875% | 120 |
| Return on Equity (ROE) | 39.4113% | 47 |
| Retained earnings to average equity (ytd only) | 28.5542% | 46 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 36.5231% | 4,829 |
| Assets per employee ($millions) | 5.5588% | 3,053 |
| Cash dividends to net income (ytd only)* | 27.5482% | 2,181 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8055% | 4,358 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 78.0916% | 441 |
| Net loans and leases to deposits | 90.1587% | 644 |
| Net loans and leases to core deposits | 91.9897% | 1,007 |
| Total domestic deposits to total assets | 86.6157% | 2,498 |
| Equity capital to assets | 8.8539% | 3,925 |
| Core capital (leverage) ratio | 9.1718% | 3,256 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0929% | 1,316 |
| Memoranda: | ||
| Average total assets | $62,451,000 | 4,511 |
| Average earning assets | $58,297,000 | 4,493 |
| Average equity | $5,526,333 | 4,672 |
| Average total loans | $46,429,667 | 4,146 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9791% | 110 |
| Cost of funding earning assets | 0.2997% | 2,998 |
| Net interest margin | 5.6795% | 83 |
| Noninterest income to average assets | 0.3979% | 3,102 |
| Noninterest expense to average assets | 1.8964% | 3,992 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 3.9056% | 87 |
| Return on assets (ROA) | 3.9056% | 90 |
| Pretax return on assets | 3.9056% | 109 |
| Return on Equity (ROE) | 44.1488% | 48 |
| Retained earnings to average equity (ytd only) | 32.9055% | 63 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 32.6857% | 4,888 |
| Assets per employee ($millions) | 6.1108% | 2,486 |
| Cash dividends to net income (ytd only)* | 25.4669% | 1,841 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6955% | 4,578 |
| Loan loss allowance to noncurrent loans | 5,300.0000% | 183 |
| Noncurrent assets plus other real estate owned to assets | 0.0098% | 4,317 |
| Noncurrent loans to loans | 0.0131% | 4,243 |
| Net loans and leases to total assets | 74.2996% | 786 |
| Net loans and leases to deposits | 86.4243% | 933 |
| Net loans and leases to core deposits | 87.9307% | 1,370 |
| Total domestic deposits to total assets | 85.9707% | 2,746 |
| Equity capital to assets | 9.0921% | 3,604 |
| Core capital (leverage) ratio | 9.1848% | 3,407 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9594% | 935 |
| Memoranda: | ||
| Average total assets | $60,324,000 | 4,553 |
| Average earning assets | $57,399,500 | 4,526 |
| Average equity | $5,336,500 | 4,711 |
| Average total loans | $43,387,500 | 4,229 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6965% | 900 |
| Cost of funding earning assets | 0.3514% | 3,862 |
| Net interest margin | 4.3451% | 462 |
| Noninterest income to average assets | 0.4484% | 2,871 |
| Noninterest expense to average assets | 2.0720% | 3,995 |
| Loan and lease loss provision to assets | -0.2825% | 4,990 |
| Net operating income to assets | 2.7376% | 112 |
| Return on assets (ROA) | 2.7376% | 115 |
| Pretax return on assets | 2.7376% | 144 |
| Return on Equity (ROE) | 29.5308% | 68 |
| Retained earnings to average equity (ytd only) | 22.3931% | 50 |
| Net charge-offs to loans | -0.4239% | 4,945 |
| Credit loss provision to net charge-offs | 88.8199% | 2,937 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.7679% | 4,725 |
| Assets per employee ($millions) | 6.6156% | 1,838 |
| Cash dividends to net income (ytd only)* | 24.1703% | 3,089 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7746% | 4,476 |
| Loan loss allowance to noncurrent loans | 4,542.8571% | 220 |
| Noncurrent assets plus other real estate owned to assets | 0.0118% | 4,361 |
| Noncurrent loans to loans | 0.0171% | 4,287 |
| Net loans and leases to total assets | 68.4179% | 1,773 |
| Net loans and leases to deposits | 79.2360% | 1,953 |
| Net loans and leases to core deposits | 81.4671% | 2,233 |
| Total domestic deposits to total assets | 86.3470% | 2,209 |
| Equity capital to assets | 8.5942% | 4,377 |
| Core capital (leverage) ratio | 8.6819% | 4,020 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.0110% | 766 |
| Memoranda: | ||
| Average total assets | $50,628,400 | 4,646 |
| Average earning assets | $47,524,600 | 4,624 |
| Average equity | $4,693,400 | 4,785 |
| Average total loans | $37,984,600 | 4,355 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0531% | 556 |
| Cost of funding earning assets | 0.3267% | 4,177 |
| Net interest margin | 4.7264% | 241 |
| Noninterest income to average assets | 0.4628% | 2,775 |
| Noninterest expense to average assets | 1.9972% | 4,151 |
| Loan and lease loss provision to assets | 0.0413% | 3,833 |
| Net operating income to assets | 2.8484% | 106 |
| Return on assets (ROA) | 2.8484% | 110 |
| Pretax return on assets | 2.8484% | 135 |
| Return on Equity (ROE) | 30.0519% | 66 |
| Retained earnings to average equity (ytd only) | 30.0519% | 33 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.8681% | 4,874 |
| Assets per employee ($millions) | 6.5552% | 1,788 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7654% | 4,443 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 69.2239% | 2,070 |
| Net loans and leases to deposits | 80.2815% | 2,289 |
| Net loans and leases to core deposits | 84.2879% | 2,447 |
| Total domestic deposits to total assets | 86.2264% | 1,972 |
| Equity capital to assets | 8.6445% | 4,373 |
| Core capital (leverage) ratio | 9.0948% | 3,660 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.5692% | 831 |
| Memoranda: | ||
| Average total assets | $48,400,500 | 4,697 |
| Average earning assets | $45,304,500 | 4,680 |
| Average equity | $4,587,500 | 4,816 |
| Average total loans | $37,217,250 | 4,394 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8390% | 180 |
| Cost of funding earning assets | 0.3154% | 4,418 |
| Net interest margin | 5.5236% | 91 |
| Noninterest income to average assets | 0.5037% | 2,545 |
| Noninterest expense to average assets | 2.1708% | 3,874 |
| Loan and lease loss provision to assets | 0.0669% | 3,457 |
| Net operating income to assets | 3.4189% | 63 |
| Return on assets (ROA) | 3.4189% | 67 |
| Pretax return on assets | 3.4189% | 83 |
| Return on Equity (ROE) | 34.7321% | 43 |
| Retained earnings to average equity (ytd only) | 34.7321% | 22 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.3767% | 4,949 |
| Assets per employee ($millions) | 5.7862% | 2,388 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7598% | 4,438 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 79.0057% | 722 |
| Net loans and leases to deposits | 93.0500% | 1,045 |
| Net loans and leases to core deposits | 97.8361% | 1,425 |
| Total domestic deposits to total assets | 84.9067% | 2,432 |
| Equity capital to assets | 9.2807% | 3,850 |
| Core capital (leverage) ratio | 10.0187% | 2,824 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5420% | 970 |
| Memoranda: | ||
| Average total assets | $44,868,333 | 4,756 |
| Average earning assets | $41,856,667 | 4,740 |
| Average equity | $4,416,667 | 4,861 |
| Average total loans | $35,904,667 | 4,431 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1385% | 744 |
| Cost of funding earning assets | 0.3140% | 4,613 |
| Net interest margin | 4.8246% | 264 |
| Noninterest income to average assets | 0.5525% | 2,269 |
| Noninterest expense to average assets | 2.2586% | 3,864 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 2.7627% | 83 |
| Return on assets (ROA) | 2.7627% | 85 |
| Pretax return on assets | 2.7627% | 116 |
| Return on Equity (ROE) | 27.0880% | 48 |
| Retained earnings to average equity (ytd only) | 27.0880% | 23 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.9807% | 4,859 |
| Assets per employee ($millions) | 4.6958% | 2,996 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8824% | 4,176 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 79.7359% | 726 |
| Net loans and leases to deposits | 96.5835% | 850 |
| Net loans and leases to core deposits | 101.4175% | 1,366 |
| Total domestic deposits to total assets | 82.5564% | 3,247 |
| Equity capital to assets | 10.2953% | 3,524 |
| Core capital (leverage) ratio | 10.7528% | 2,702 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5615% | 1,221 |
| Memoranda: | ||
| Average total assets | $41,264,500 | 4,827 |
| Average earning assets | $38,221,000 | 4,815 |
| Average equity | $4,208,500 | 4,921 |
| Average total loans | $33,128,000 | 4,534 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9933% | 1,503 |
| Cost of funding earning assets | 0.2879% | 4,758 |
| Net interest margin | 4.7054% | 465 |
| Noninterest income to average assets | 0.6612% | 1,957 |
| Noninterest expense to average assets | 2.4067% | 3,674 |
| Loan and lease loss provision to assets | 0.1052% | 1,968 |
| Net operating income to assets | 2.5294% | 127 |
| Return on assets (ROA) | 2.5294% | 135 |
| Pretax return on assets | 2.5294% | 199 |
| Return on Equity (ROE) | 24.4517% | 85 |
| Retained earnings to average equity (ytd only) | 0.2421% | 4,620 |
| Net charge-offs to loans | 0.0033% | 3,563 |
| Credit loss provision to net charge-offs | 4,200.0000% | 100 |
| Earnings coverage of net charge-offs (x) | 1,052.0000% | 92 |
| Efficiency ratio | 47.7397% | 4,843 |
| Assets per employee ($millions) | 4.4741% | 3,268 |
| Cash dividends to net income (ytd only)* | 99.0099% | 324 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9300% | 3,845 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 79.3652% | 881 |
| Net loans and leases to deposits | 88.3208% | 1,799 |
| Net loans and leases to core deposits | 93.2672% | 2,133 |
| Total domestic deposits to total assets | 89.8602% | 364 |
| Equity capital to assets | 10.0976% | 3,836 |
| Core capital (leverage) ratio | 10.0918% | 3,419 |
| Tier 1 risk-based capital ratio | 16.4476% | 2,236 |
| Total risk-based capital ratio | 17.6611% | 2,189 |
| Memoranda: | ||
| Average total assets | $39,930,400 | 4,892 |
| Average earning assets | $37,169,800 | 4,875 |
| Average equity | $4,130,600 | 4,977 |
| Average total loans | $30,438,600 | 4,633 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9723% | 1,616 |
| Cost of funding earning assets | 0.2832% | 4,839 |
| Net interest margin | 4.6891% | 507 |
| Noninterest income to average assets | 0.6491% | 1,988 |
| Noninterest expense to average assets | 2.2285% | 4,127 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 2.7974% | 106 |
| Return on assets (ROA) | 2.7974% | 112 |
| Pretax return on assets | 2.7974% | 151 |
| Return on Equity (ROE) | 26.8798% | 64 |
| Retained earnings to average equity (ytd only) | 5.9803% | 2,380 |
| Net charge-offs to loans | 0.0044% | 3,247 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 838.0752% | 114 |
| Efficiency ratio | 44.3409% | 5,000 |
| Assets per employee ($millions) | 4.4446% | 3,295 |
| Cash dividends to net income (ytd only)* | 77.7516% | 722 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8208% | 4,347 |
| Loan loss allowance to noncurrent loans | 2,580.0000% | 269 |
| Noncurrent assets plus other real estate owned to assets | 0.0250% | 4,615 |
| Noncurrent loans to loans | 0.0318% | 4,527 |
| Net loans and leases to total assets | 77.9331% | 1,151 |
| Net loans and leases to deposits | 87.2488% | 2,028 |
| Net loans and leases to core deposits | 92.8710% | 2,282 |
| Total domestic deposits to total assets | 89.3228% | 514 |
| Equity capital to assets | 10.6047% | 3,464 |
| Core capital (leverage) ratio | 10.4014% | 3,198 |
| Tier 1 risk-based capital ratio | 17.7112% | 1,897 |
| Total risk-based capital ratio | 18.7884% | 1,902 |
| Memoranda: | ||
| Average total assets | $39,846,250 | 4,965 |
| Average earning assets | $37,191,750 | 4,951 |
| Average equity | $4,146,750 | 5,045 |
| Average total loans | $29,983,750 | 4,704 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8653% | 1,862 |
| Cost of funding earning assets | 0.2910% | 4,848 |
| Net interest margin | 4.5744% | 652 |
| Noninterest income to average assets | 0.6131% | 2,089 |
| Noninterest expense to average assets | 2.2465% | 4,137 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 2.6335% | 132 |
| Return on assets (ROA) | 2.6335% | 136 |
| Pretax return on assets | 2.6335% | 201 |
| Return on Equity (ROE) | 25.4678% | 88 |
| Retained earnings to average equity (ytd only) | 1.1665% | 4,387 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.0350% | 4,992 |
| Assets per employee ($millions) | 4.5211% | 3,105 |
| Cash dividends to net income (ytd only)* | 95.4198% | 504 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8310% | 4,332 |
| Loan loss allowance to noncurrent loans | 78.7234% | 3,674 |
| Noncurrent assets plus other real estate owned to assets | 0.8086% | 1,739 |
| Noncurrent loans to loans | 1.0556% | 1,553 |
| Net loans and leases to total assets | 75.9597% | 1,553 |
| Net loans and leases to deposits | 84.4781% | 2,437 |
| Net loans and leases to core deposits | 89.1208% | 2,677 |
| Total domestic deposits to total assets | 89.9164% | 359 |
| Equity capital to assets | 10.0270% | 3,955 |
| Core capital (leverage) ratio | 10.2500% | 3,337 |
| Tier 1 risk-based capital ratio | 16.9161% | 2,113 |
| Total risk-based capital ratio | 17.9900% | 2,109 |
| Memoranda: | ||
| Average total assets | $39,794,670 | 5,010 |
| Average earning assets | $37,119,670 | 4,990 |
| Average equity | $4,115,000 | 5,087 |
| Average total loans | $29,501,000 | 4,751 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6970% | 2,239 |
| Cost of funding earning assets | 0.2807% | 4,895 |
| Net interest margin | 4.4163% | 864 |
| Noninterest income to average assets | 0.6303% | 1,910 |
| Noninterest expense to average assets | 2.2162% | 4,221 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 2.5720% | 143 |
| Return on assets (ROA) | 2.5720% | 152 |
| Pretax return on assets | 2.5720% | 222 |
| Return on Equity (ROE) | 24.4888% | 108 |
| Retained earnings to average equity (ytd only) | 14.8094% | 288 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.2845% | 5,013 |
| Assets per employee ($millions) | 3.9219% | 4,041 |
| Cash dividends to net income (ytd only)* | 39.5257% | 1,938 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8973% | 4,169 |
| Loan loss allowance to noncurrent loans | 78.7234% | 3,717 |
| Noncurrent assets plus other real estate owned to assets | 0.8389% | 1,692 |
| Noncurrent loans to loans | 1.1398% | 1,463 |
| Net loans and leases to total assets | 72.9366% | 2,003 |
| Net loans and leases to deposits | 81.7496% | 2,636 |
| Net loans and leases to core deposits | 85.4212% | 2,916 |
| Total domestic deposits to total assets | 89.2195% | 758 |
| Equity capital to assets | 10.7320% | 3,130 |
| Core capital (leverage) ratio | 10.7523% | 2,801 |
| Tier 1 risk-based capital ratio | 18.8061% | 1,585 |
| Total risk-based capital ratio | 19.9634% | 1,568 |
| Memoranda: | ||
| Average total assets | $39,347,000 | 5,072 |
| Average earning assets | $37,045,000 | 5,040 |
| Average equity | $4,132,500 | 5,134 |
| Average total loans | $28,668,000 | 4,824 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4939% | 2,477 |
| Cost of funding earning assets | 0.2623% | 4,744 |
| Net interest margin | 4.2316% | 1,320 |
| Noninterest income to average assets | 0.6652% | 1,986 |
| Noninterest expense to average assets | 2.4719% | 3,691 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 2.1420% | 277 |
| Return on assets (ROA) | 2.1420% | 271 |
| Pretax return on assets | 2.1420% | 404 |
| Return on Equity (ROE) | 20.8193% | 212 |
| Retained earnings to average equity (ytd only) | 7.8881% | 1,286 |
| Net charge-offs to loans | -0.0109% | 4,517 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.5755% | 4,653 |
| Assets per employee ($millions) | 3.5886% | 4,459 |
| Cash dividends to net income (ytd only)* | 62.1118% | 1,400 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9097% | 4,117 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 71.4706% | 2,354 |
| Net loans and leases to deposits | 79.6887% | 2,991 |
| Net loans and leases to core deposits | 87.3143% | 2,807 |
| Total domestic deposits to total assets | 89.6871% | 582 |
| Equity capital to assets | 10.2749% | 3,406 |
| Core capital (leverage) ratio | 10.4300% | 3,110 |
| Tier 1 risk-based capital ratio | 19.2282% | 1,472 |
| Total risk-based capital ratio | 20.4561% | 1,440 |
| Memoranda: | ||
| Average total assets | $37,582,400 | 5,132 |
| Average earning assets | $35,069,600 | 5,110 |
| Average equity | $3,866,600 | 5,200 |
| Average total loans | $27,447,400 | 4,878 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4435% | 2,487 |
| Cost of funding earning assets | 0.2471% | 4,804 |
| Net interest margin | 4.1964% | 1,367 |
| Noninterest income to average assets | 0.6467% | 2,089 |
| Noninterest expense to average assets | 2.4324% | 3,778 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 2.1198% | 296 |
| Return on assets (ROA) | 2.1198% | 292 |
| Pretax return on assets | 2.1198% | 462 |
| Return on Equity (ROE) | 20.5970% | 237 |
| Retained earnings to average equity (ytd only) | 5.7600% | 2,785 |
| Net charge-offs to loans | -0.0147% | 4,509 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.4333% | 4,666 |
| Assets per employee ($millions) | 3.7755% | 4,210 |
| Cash dividends to net income (ytd only)* | 72.0333% | 790 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9133% | 4,215 |
| Loan loss allowance to noncurrent loans | 12,950.0000% | 65 |
| Noncurrent assets plus other real estate owned to assets | 0.0053% | 5,002 |
| Noncurrent loans to loans | 0.0071% | 4,901 |
| Net loans and leases to total assets | 74.4299% | 1,918 |
| Net loans and leases to deposits | 83.1120% | 2,695 |
| Net loans and leases to core deposits | 91.4448% | 2,530 |
| Total domestic deposits to total assets | 89.5537% | 656 |
| Equity capital to assets | 10.3721% | 3,264 |
| Core capital (leverage) ratio | 10.5218% | 3,056 |
| Tier 1 risk-based capital ratio | 18.7377% | 1,601 |
| Total risk-based capital ratio | 19.9866% | 1,569 |
| Memoranda: | ||
| Average total assets | $37,109,250 | 5,206 |
| Average earning assets | $34,536,750 | 5,183 |
| Average equity | $3,819,250 | 5,267 |
| Average total loans | $27,191,250 | 4,938 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3097% | 2,727 |
| Cost of funding earning assets | 0.2152% | 4,945 |
| Net interest margin | 4.0945% | 1,578 |
| Noninterest income to average assets | 0.6126% | 2,258 |
| Noninterest expense to average assets | 2.3906% | 3,924 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 2.0383% | 350 |
| Return on assets (ROA) | 2.0383% | 347 |
| Pretax return on assets | 2.0383% | 560 |
| Return on Equity (ROE) | 19.8574% | 278 |
| Retained earnings to average equity (ytd only) | 1.3731% | 4,673 |
| Net charge-offs to loans | -0.0224% | 4,613 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.9780% | 4,694 |
| Assets per employee ($millions) | 3.7081% | 4,340 |
| Cash dividends to net income (ytd only)* | 93.0851% | 477 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9240% | 4,225 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 74.8901% | 1,805 |
| Net loans and leases to deposits | 83.4485% | 2,596 |
| Net loans and leases to core deposits | 91.9506% | 2,405 |
| Total domestic deposits to total assets | 89.7441% | 649 |
| Equity capital to assets | 10.1885% | 3,449 |
| Core capital (leverage) ratio | 10.3312% | 3,204 |
| Tier 1 risk-based capital ratio | 18.5423% | 1,667 |
| Total risk-based capital ratio | 19.7939% | 1,630 |
| Memoranda: | ||
| Average total assets | $36,894,000 | 5,271 |
| Average earning assets | $34,387,670 | 5,248 |
| Average equity | $3,787,000 | 5,331 |
| Average total loans | $26,801,670 | 4,998 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2143% | 2,844 |
| Cost of funding earning assets | 0.1746% | 5,136 |
| Net interest margin | 4.0397% | 1,596 |
| Noninterest income to average assets | 0.5761% | 2,389 |
| Noninterest expense to average assets | 2.3913% | 3,968 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.9565% | 413 |
| Return on assets (ROA) | 1.9565% | 413 |
| Pretax return on assets | 1.9565% | 638 |
| Return on Equity (ROE) | 18.9898% | 318 |
| Retained earnings to average equity (ytd only) | 8.4399% | 1,677 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.0000% | 4,692 |
| Assets per employee ($millions) | 3.4507% | 4,727 |
| Cash dividends to net income (ytd only)* | 55.5556% | 1,378 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9900% | 4,025 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 67.4509% | 2,829 |
| Net loans and leases to deposits | 75.0601% | 3,310 |
| Net loans and leases to core deposits | 81.8275% | 3,153 |
| Total domestic deposits to total assets | 89.8625% | 714 |
| Equity capital to assets | 10.0954% | 3,505 |
| Core capital (leverage) ratio | 10.4187% | 3,042 |
| Tier 1 risk-based capital ratio | 20.8193% | 1,229 |
| Total risk-based capital ratio | 22.0689% | 1,208 |
| Memoranda: | ||
| Average total assets | $36,800,500 | 5,330 |
| Average earning assets | $34,359,000 | 5,307 |
| Average equity | $3,791,500 | 5,388 |
| Average total loans | $26,188,000 | 5,071 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2178% | 2,620 |
| Cost of funding earning assets | 0.1553% | 5,231 |
| Net interest margin | 4.0625% | 1,556 |
| Noninterest income to average assets | 0.6500% | 2,195 |
| Noninterest expense to average assets | 2.6634% | 3,251 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.7488% | 480 |
| Return on assets (ROA) | 1.7488% | 486 |
| Pretax return on assets | 1.7488% | 898 |
| Return on Equity (ROE) | 16.7854% | 413 |
| Retained earnings to average equity (ytd only) | 4.3620% | 2,539 |
| Net charge-offs to loans | -0.1228% | 5,423 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.3651% | 4,206 |
| Assets per employee ($millions) | 2.9703% | 5,216 |
| Cash dividends to net income (ytd only)* | 74.0132% | 1,062 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9654% | 4,132 |
| Loan loss allowance to noncurrent loans | 12,800.0000% | 75 |
| Noncurrent assets plus other real estate owned to assets | 0.0056% | 5,165 |
| Noncurrent loans to loans | 0.0075% | 5,024 |
| Net loans and leases to total assets | 73.6779% | 1,974 |
| Net loans and leases to deposits | 82.3694% | 2,684 |
| Net loans and leases to core deposits | 88.0798% | 2,711 |
| Total domestic deposits to total assets | 89.4481% | 798 |
| Equity capital to assets | 10.5238% | 3,147 |
| Core capital (leverage) ratio | 10.4703% | 2,878 |
| Tier 1 risk-based capital ratio | 19.6059% | 1,397 |
| Total risk-based capital ratio | 20.8551% | 1,368 |
| Memoranda: | ||
| Average total assets | $34,767,000 | 5,420 |
| Average earning assets | $32,196,600 | 5,402 |
| Average equity | $3,622,200 | 5,467 |
| Average total loans | $25,236,400 | 5,150 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1651% | 2,733 |
| Cost of funding earning assets | 0.1459% | 5,334 |
| Net interest margin | 4.0192% | 1,639 |
| Noninterest income to average assets | 0.6175% | 2,378 |
| Noninterest expense to average assets | 2.6629% | 3,196 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.6749% | 615 |
| Return on assets (ROA) | 1.6749% | 629 |
| Pretax return on assets | 1.6749% | 1,185 |
| Return on Equity (ROE) | 16.1184% | 518 |
| Retained earnings to average equity (ytd only) | -0.5942% | 5,306 |
| Net charge-offs to loans | -0.1659% | 5,494 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3879% | 3,977 |
| Assets per employee ($millions) | 3.6005% | 4,583 |
| Cash dividends to net income (ytd only)* | 103.6879% | 275 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9936% | 4,103 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 70.8485% | 2,432 |
| Net loans and leases to deposits | 78.7193% | 3,097 |
| Net loans and leases to core deposits | 84.0744% | 3,119 |
| Total domestic deposits to total assets | 90.0014% | 476 |
| Equity capital to assets | 9.9347% | 3,985 |
| Core capital (leverage) ratio | 10.1114% | 3,431 |
| Tier 1 risk-based capital ratio | 19.0743% | 1,562 |
| Total risk-based capital ratio | 20.3274% | 1,525 |
| Memoranda: | ||
| Average total assets | $34,548,000 | 5,482 |
| Average earning assets | $31,979,000 | 5,463 |
| Average equity | $3,590,000 | 5,532 |
| Average total loans | $24,916,250 | 5,214 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0321% | 3,080 |
| Cost of funding earning assets | 0.1449% | 5,367 |
| Net interest margin | 3.8872% | 1,982 |
| Noninterest income to average assets | 0.5930% | 2,494 |
| Noninterest expense to average assets | 2.8536% | 2,569 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.3622% | 1,146 |
| Return on assets (ROA) | 1.3622% | 1,177 |
| Pretax return on assets | 1.3622% | 2,160 |
| Return on Equity (ROE) | 12.9092% | 1,059 |
| Retained earnings to average equity (ytd only) | -6.5659% | 5,579 |
| Net charge-offs to loans | -0.0406% | 5,082 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6880% | 3,068 |
| Assets per employee ($millions) | 3.4603% | 4,783 |
| Cash dividends to net income (ytd only)* | 150.8621% | 156 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9217% | 4,545 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 71.4533% | 2,289 |
| Net loans and leases to deposits | 79.4914% | 2,969 |
| Net loans and leases to core deposits | 85.1353% | 2,959 |
| Total domestic deposits to total assets | 89.8882% | 572 |
| Equity capital to assets | 10.0454% | 3,857 |
| Core capital (leverage) ratio | 10.2314% | 3,231 |
| Tier 1 risk-based capital ratio | 20.5304% | 1,269 |
| Total risk-based capital ratio | 21.7825% | 1,239 |
| Memoranda: | ||
| Average total assets | $34,062,330 | 5,537 |
| Average earning assets | $31,745,000 | 5,513 |
| Average equity | $3,594,330 | 5,577 |
| Average total loans | $24,633,330 | 5,260 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9733% | 3,134 |
| Cost of funding earning assets | 0.1396% | 5,442 |
| Net interest margin | 3.8336% | 2,004 |
| Noninterest income to average assets | 0.6037% | 2,394 |
| Noninterest expense to average assets | 2.8764% | 2,529 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.3021% | 1,235 |
| Return on assets (ROA) | 1.3021% | 1,269 |
| Pretax return on assets | 1.3021% | 2,228 |
| Return on Equity (ROE) | 12.0432% | 1,224 |
| Retained earnings to average equity (ytd only) | 12.0432% | 466 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8385% | 3,074 |
| Assets per employee ($millions) | 3.0535% | 5,310 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9133% | 4,706 |
| Loan loss allowance to noncurrent loans | 3,750.0000% | 207 |
| Noncurrent assets plus other real estate owned to assets | 0.0179% | 5,274 |
| Noncurrent loans to loans | 0.0244% | 5,126 |
| Net loans and leases to total assets | 72.6756% | 1,975 |
| Net loans and leases to deposits | 81.7351% | 2,546 |
| Net loans and leases to core deposits | 86.8564% | 2,648 |
| Total domestic deposits to total assets | 88.9160% | 1,188 |
| Equity capital to assets | 11.0334% | 2,597 |
| Core capital (leverage) ratio | 10.8706% | 2,517 |
| Tier 1 risk-based capital ratio | 19.0982% | 1,590 |
| Total risk-based capital ratio | 20.2577% | 1,575 |
| Memoranda: | ||
| Average total assets | $33,792,000 | 5,608 |
| Average earning assets | $31,510,500 | 5,585 |
| Average equity | $3,653,500 | 5,626 |
| Average total loans | $24,472,500 | 5,319 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1862% | 2,531 |
| Cost of funding earning assets | 0.1445% | 5,457 |
| Net interest margin | 4.0417% | 1,521 |
| Noninterest income to average assets | 0.6522% | 2,410 |
| Noninterest expense to average assets | 2.6421% | 3,551 |
| Loan and lease loss provision to assets | -1.0598% | 5,903 |
| Net operating income to assets | 2.7779% | 100 |
| Return on assets (ROA) | 2.7779% | 101 |
| Pretax return on assets | 2.7870% | 140 |
| Return on Equity (ROE) | 30.0634% | 36 |
| Retained earnings to average equity (ytd only) | 30.0634% | 17 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4699% | 4,510 |
| Assets per employee ($millions) | 3.0905% | 5,278 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9256% | 4,673 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 70.8457% | 2,361 |
| Net loans and leases to deposits | 79.7431% | 2,911 |
| Net loans and leases to core deposits | 84.6776% | 2,961 |
| Total domestic deposits to total assets | 88.8425% | 1,185 |
| Equity capital to assets | 10.5927% | 3,051 |
| Core capital (leverage) ratio | 10.5530% | 2,827 |
| Tier 1 risk-based capital ratio | 18.4110% | 1,749 |
| Total risk-based capital ratio | 18.4110% | 2,067 |
| Memoranda: | ||
| Average total assets | $33,118,000 | 5,669 |
| Average earning assets | $30,457,400 | 5,654 |
| Average equity | $3,060,200 | 5,755 |
| Average total loans | $24,225,800 | 5,381 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1804% | 2,574 |
| Cost of funding earning assets | 0.1405% | 5,542 |
| Net interest margin | 4.0399% | 1,554 |
| Noninterest income to average assets | 0.6322% | 2,509 |
| Noninterest expense to average assets | 2.4357% | 4,178 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 2.1723% | 258 |
| Return on assets (ROA) | 2.1723% | 270 |
| Pretax return on assets | 1.9250% | 665 |
| Return on Equity (ROE) | 23.4311% | 111 |
| Retained earnings to average equity (ytd only) | 23.4311% | 34 |
| Net charge-offs to loans | -1.9775% | 5,933 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.8550% | 5,078 |
| Assets per employee ($millions) | 3.0116% | 5,380 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3142% | 427 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 73.3941% | 1,968 |
| Net loans and leases to deposits | 81.6207% | 2,779 |
| Net loans and leases to core deposits | 86.7428% | 2,883 |
| Total domestic deposits to total assets | 89.9209% | 511 |
| Equity capital to assets | 9.9915% | 4,129 |
| Core capital (leverage) ratio | 10.0154% | 3,551 |
| Tier 1 risk-based capital ratio | 16.6265% | 2,369 |
| Total risk-based capital ratio | 17.8873% | 2,309 |
| Memoranda: | ||
| Average total assets | $32,899,000 | 5,736 |
| Average earning assets | $30,363,250 | 5,715 |
| Average equity | $3,050,000 | 5,814 |
| Average total loans | $24,205,000 | 5,436 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1416% | 2,710 |
| Cost of funding earning assets | 0.1321% | 5,675 |
| Net interest margin | 4.0095% | 1,617 |
| Noninterest income to average assets | 0.6581% | 2,337 |
| Noninterest expense to average assets | 2.4739% | 4,105 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 2.2545% | 209 |
| Return on assets (ROA) | 2.2545% | 220 |
| Pretax return on assets | 1.8828% | 726 |
| Return on Equity (ROE) | 24.9719% | 92 |
| Retained earnings to average equity (ytd only) | 24.9719% | 32 |
| Net charge-offs to loans | -2.9946% | 6,012 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.7832% | 5,052 |
| Assets per employee ($millions) | 2.9935% | 5,447 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3617% | 422 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 72.3162% | 2,119 |
| Net loans and leases to deposits | 80.0060% | 2,930 |
| Net loans and leases to core deposits | 82.5007% | 3,223 |
| Total domestic deposits to total assets | 90.3884% | 356 |
| Equity capital to assets | 9.5478% | 4,718 |
| Core capital (leverage) ratio | 9.8638% | 3,732 |
| Tier 1 risk-based capital ratio | 15.9037% | 2,691 |
| Total risk-based capital ratio | 17.1734% | 2,620 |
| Memoranda: | ||
| Average total assets | $32,822,670 | 5,806 |
| Average earning assets | $30,278,330 | 5,784 |
| Average equity | $2,963,330 | 5,896 |
| Average total loans | $23,976,670 | 5,503 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1427% | 2,674 |
| Cost of funding earning assets | 0.1311% | 5,747 |
| Net interest margin | 4.0116% | 1,578 |
| Noninterest income to average assets | 0.6225% | 2,399 |
| Noninterest expense to average assets | 2.6000% | 3,750 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.7577% | 504 |
| Return on assets (ROA) | 1.7577% | 541 |
| Pretax return on assets | 1.7577% | 926 |
| Return on Equity (ROE) | 20.0487% | 245 |
| Retained earnings to average equity (ytd only) | 20.0487% | 95 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6639% | 4,793 |
| Assets per employee ($millions) | 2.8432% | 5,654 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9163% | 5,000 |
| Loan loss allowance to noncurrent loans | 128.4024% | 3,087 |
| Noncurrent assets plus other real estate owned to assets | 0.5404% | 3,448 |
| Noncurrent loans to loans | 0.7136% | 3,050 |
| Net loans and leases to total assets | 75.0312% | 1,547 |
| Net loans and leases to deposits | 83.0067% | 2,429 |
| Net loans and leases to core deposits | 85.7362% | 2,771 |
| Total domestic deposits to total assets | 90.3917% | 468 |
| Equity capital to assets | 9.3301% | 4,861 |
| Core capital (leverage) ratio | 9.0641% | 4,781 |
| Tier 1 risk-based capital ratio | 15.1482% | 3,086 |
| Total risk-based capital ratio | 16.2747% | 3,083 |
| Memoranda: | ||
| Average total assets | $32,769,500 | 5,864 |
| Average earning assets | $30,511,500 | 5,837 |
| Average equity | $2,873,000 | 5,959 |
| Average total loans | $23,770,500 | 5,557 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0485% | 3,121 |
| Cost of funding earning assets | 0.1458% | 5,713 |
| Net interest margin | 3.9027% | 2,019 |
| Noninterest income to average assets | 0.6195% | 2,622 |
| Noninterest expense to average assets | 4.1507% | 569 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.0818% | 5,775 |
| Return on assets (ROA) | 0.0818% | 5,819 |
| Pretax return on assets | 0.0880% | 5,809 |
| Return on Equity (ROE) | 0.8678% | 5,794 |
| Retained earnings to average equity (ytd only) | -11.6489% | 6,058 |
| Net charge-offs to loans | -0.0221% | 5,300 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.9228% | 345 |
| Assets per employee ($millions) | 3.4264% | 4,941 |
| Cash dividends to net income (ytd only)* | 1,442.3077% | 7 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9095% | 5,051 |
| Loan loss allowance to noncurrent loans | 2,411.1111% | 282 |
| Noncurrent assets plus other real estate owned to assets | 0.0263% | 5,590 |
| Noncurrent loans to loans | 0.0377% | 5,370 |
| Net loans and leases to total assets | 68.9966% | 2,546 |
| Net loans and leases to deposits | 75.6585% | 3,299 |
| Net loans and leases to core deposits | 77.9023% | 3,558 |
| Total domestic deposits to total assets | 91.1948% | 241 |
| Equity capital to assets | 8.2536% | 5,734 |
| Core capital (leverage) ratio | 8.6610% | 5,265 |
| Tier 1 risk-based capital ratio | 14.1520% | 3,635 |
| Total risk-based capital ratio | 15.2380% | 3,647 |
| Memoranda: | ||
| Average total assets | $31,802,200 | 5,933 |
| Average earning assets | $29,492,400 | 5,906 |
| Average equity | $2,996,000 | 6,004 |
| Average total loans | $22,577,800 | 5,631 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0688% | 3,066 |
| Cost of funding earning assets | 0.1476% | 5,796 |
| Net interest margin | 3.9212% | 1,962 |
| Noninterest income to average assets | 0.6113% | 2,685 |
| Noninterest expense to average assets | 3.7750% | 882 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.3677% | 5,271 |
| Return on assets (ROA) | 0.3677% | 5,348 |
| Pretax return on assets | 0.4703% | 5,294 |
| Return on Equity (ROE) | 3.7742% | 5,116 |
| Retained earnings to average equity (ytd only) | -12.6833% | 6,159 |
| Net charge-offs to loans | -0.0239% | 5,261 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.9225% | 764 |
| Assets per employee ($millions) | 3.1726% | 5,337 |
| Cash dividends to net income (ytd only)* | 436.0631% | 24 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8895% | 5,242 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 75.8589% | 1,405 |
| Net loans and leases to deposits | 83.6880% | 2,443 |
| Net loans and leases to core deposits | 86.3917% | 2,809 |
| Total domestic deposits to total assets | 90.6449% | 351 |
| Equity capital to assets | 9.1029% | 5,208 |
| Core capital (leverage) ratio | 9.2262% | 4,694 |
| Tier 1 risk-based capital ratio | 14.5257% | 3,557 |
| Total risk-based capital ratio | 15.6121% | 3,565 |
| Memoranda: | ||
| Average total assets | $31,186,750 | 6,024 |
| Average earning assets | $28,902,250 | 5,999 |
| Average equity | $3,038,000 | 6,082 |
| Average total loans | $22,257,750 | 5,710 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9809% | 3,373 |
| Cost of funding earning assets | 0.1606% | 5,771 |
| Net interest margin | 3.8203% | 2,241 |
| Noninterest income to average assets | 0.6192% | 2,631 |
| Noninterest expense to average assets | 2.9413% | 2,748 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.8385% | 3,177 |
| Return on assets (ROA) | 0.8385% | 3,291 |
| Pretax return on assets | 1.2062% | 2,757 |
| Return on Equity (ROE) | 8.4197% | 2,838 |
| Retained earnings to average equity (ytd only) | -15.8679% | 6,238 |
| Net charge-offs to loans | -0.0463% | 5,519 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9176% | 3,178 |
| Assets per employee ($millions) | 3.1437% | 5,414 |
| Cash dividends to net income (ytd only)* | 288.4615% | 53 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9326% | 5,174 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 73.3244% | 1,765 |
| Net loans and leases to deposits | 81.1998% | 2,642 |
| Net loans and leases to core deposits | 84.7962% | 2,905 |
| Total domestic deposits to total assets | 90.3012% | 533 |
| Equity capital to assets | 9.3266% | 4,865 |
| Core capital (leverage) ratio | 9.4428% | 4,350 |
| Tier 1 risk-based capital ratio | 13.9845% | 3,939 |
| Total risk-based capital ratio | 15.0196% | 3,991 |
| Memoranda: | ||
| Average total assets | $31,007,000 | 6,091 |
| Average earning assets | $28,636,670 | 6,071 |
| Average equity | $3,088,000 | 6,136 |
| Average total loans | $21,582,670 | 5,787 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9786% | 3,309 |
| Cost of funding earning assets | 0.1411% | 5,988 |
| Net interest margin | 3.8375% | 2,107 |
| Noninterest income to average assets | 0.6235% | 2,532 |
| Noninterest expense to average assets | 2.5981% | 3,934 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.0782% | 1,940 |
| Return on assets (ROA) | 1.0782% | 2,059 |
| Pretax return on assets | 1.5588% | 1,368 |
| Return on Equity (ROE) | 10.4864% | 1,799 |
| Retained earnings to average equity (ytd only) | 10.4864% | 816 |
| Net charge-offs to loans | -0.0964% | 5,844 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5000% | 4,704 |
| Assets per employee ($millions) | 2.8217% | 5,860 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0285% | 4,877 |
| Loan loss allowance to noncurrent loans | 5,425.0000% | 122 |
| Noncurrent assets plus other real estate owned to assets | 0.0129% | 5,902 |
| Noncurrent loans to loans | 0.0190% | 5,729 |
| Net loans and leases to total assets | 67.2734% | 2,565 |
| Net loans and leases to deposits | 75.4153% | 3,124 |
| Net loans and leases to core deposits | 78.8438% | 3,291 |
| Total domestic deposits to total assets | 89.2039% | 1,139 |
| Equity capital to assets | 10.5029% | 3,531 |
| Core capital (leverage) ratio | 10.4618% | 3,018 |
| Tier 1 risk-based capital ratio | 16.9562% | 2,491 |
| Total risk-based capital ratio | 18.0849% | 2,496 |
| Memoranda: | ||
| Average total assets | $30,792,000 | 6,161 |
| Average earning assets | $28,352,000 | 6,139 |
| Average equity | $3,166,000 | 6,176 |
| Average total loans | $20,740,000 | 5,868 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8548% | 4,299 |
| Cost of funding earning assets | 0.1722% | 5,965 |
| Net interest margin | 3.6826% | 3,073 |
| Noninterest income to average assets | 0.6337% | 2,653 |
| Noninterest expense to average assets | 2.6941% | 3,884 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.9353% | 2,700 |
| Return on assets (ROA) | 0.9353% | 2,791 |
| Pretax return on assets | 1.3453% | 2,089 |
| Return on Equity (ROE) | 9.3395% | 2,419 |
| Retained earnings to average equity (ytd only) | -5.7187% | 6,207 |
| Net charge-offs to loans | -0.0818% | 6,069 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6946% | 4,113 |
| Assets per employee ($millions) | 3.0545% | 5,628 |
| Cash dividends to net income (ytd only)* | 161.2319% | 129 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0401% | 4,854 |
| Loan loss allowance to noncurrent loans | 5,300.0000% | 158 |
| Noncurrent assets plus other real estate owned to assets | 0.0131% | 6,007 |
| Noncurrent loans to loans | 0.0196% | 5,814 |
| Net loans and leases to total assets | 66.0337% | 2,876 |
| Net loans and leases to deposits | 73.8422% | 3,455 |
| Net loans and leases to core deposits | 77.2442% | 3,589 |
| Total domestic deposits to total assets | 89.4254% | 1,004 |
| Equity capital to assets | 10.0573% | 4,034 |
| Core capital (leverage) ratio | 9.6249% | 4,064 |
| Tier 1 risk-based capital ratio | 15.9904% | 2,965 |
| Total risk-based capital ratio | 17.0932% | 2,988 |
| Memoranda: | ||
| Average total assets | $29,509,200 | 6,256 |
| Average earning assets | $27,290,800 | 6,233 |
| Average equity | $2,955,200 | 6,280 |
| Average total loans | $18,339,000 | 6,028 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8086% | 4,511 |
| Cost of funding earning assets | 0.1772% | 6,014 |
| Net interest margin | 3.6315% | 3,304 |
| Noninterest income to average assets | 0.6792% | 2,428 |
| Noninterest expense to average assets | 2.9538% | 2,953 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.7658% | 3,590 |
| Return on assets (ROA) | 0.7658% | 3,688 |
| Pretax return on assets | 1.0894% | 3,233 |
| Return on Equity (ROE) | 7.6552% | 3,381 |
| Retained earnings to average equity (ytd only) | -12.6220% | 6,424 |
| Net charge-offs to loans | -0.1047% | 6,153 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0552% | 2,979 |
| Assets per employee ($millions) | 2.9059% | 5,840 |
| Cash dividends to net income (ytd only)* | 264.8868% | 54 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0706% | 4,875 |
| Loan loss allowance to noncurrent loans | 4,220.0000% | 162 |
| Noncurrent assets plus other real estate owned to assets | 0.0172% | 6,105 |
| Noncurrent loans to loans | 0.0254% | 5,921 |
| Net loans and leases to total assets | 67.0945% | 2,670 |
| Net loans and leases to deposits | 75.1967% | 3,285 |
| Net loans and leases to core deposits | 78.8522% | 3,456 |
| Total domestic deposits to total assets | 89.2254% | 1,112 |
| Equity capital to assets | 9.5117% | 4,782 |
| Core capital (leverage) ratio | 9.3703% | 4,543 |
| Tier 1 risk-based capital ratio | 14.9379% | 3,627 |
| Total risk-based capital ratio | 16.0778% | 3,624 |
| Memoranda: | ||
| Average total assets | $29,250,250 | 6,336 |
| Average earning assets | $27,095,500 | 6,312 |
| Average equity | $2,926,000 | 6,356 |
| Average total loans | $17,828,250 | 6,112 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6684% | 4,956 |
| Cost of funding earning assets | 0.1764% | 6,098 |
| Net interest margin | 3.4919% | 3,816 |
| Noninterest income to average assets | 0.6550% | 2,513 |
| Noninterest expense to average assets | 2.9883% | 2,871 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.6482% | 4,108 |
| Return on assets (ROA) | 0.6482% | 4,211 |
| Pretax return on assets | 0.9074% | 3,865 |
| Return on Equity (ROE) | 6.3758% | 3,952 |
| Retained earnings to average equity (ytd only) | -23.4899% | 6,557 |
| Net charge-offs to loans | -0.1279% | 6,218 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.7075% | 2,507 |
| Assets per employee ($millions) | 2.5625% | 6,246 |
| Cash dividends to net income (ytd only)* | 468.4211% | 33 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1372% | 4,725 |
| Loan loss allowance to noncurrent loans | 371.4286% | 1,237 |
| Noncurrent assets plus other real estate owned to assets | 0.1987% | 5,524 |
| Noncurrent loans to loans | 0.3062% | 5,097 |
| Net loans and leases to total assets | 64.1514% | 3,054 |
| Net loans and leases to deposits | 71.8292% | 3,595 |
| Net loans and leases to core deposits | 75.4307% | 3,684 |
| Total domestic deposits to total assets | 89.3111% | 1,200 |
| Equity capital to assets | 9.5466% | 4,688 |
| Core capital (leverage) ratio | 9.2649% | 4,644 |
| Tier 1 risk-based capital ratio | 15.4225% | 3,398 |
| Total risk-based capital ratio | 16.6142% | 3,379 |
| Memoranda: | ||
| Average total assets | $29,314,000 | 6,396 |
| Average earning assets | $27,205,670 | 6,370 |
| Average equity | $2,980,000 | 6,402 |
| Average total loans | $17,201,670 | 6,191 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5353% | 5,335 |
| Cost of funding earning assets | 0.1725% | 6,213 |
| Net interest margin | 3.3629% | 4,281 |
| Noninterest income to average assets | 0.6159% | 2,643 |
| Noninterest expense to average assets | 3.0793% | 2,592 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.4820% | 4,778 |
| Return on assets (ROA) | 0.4820% | 4,851 |
| Pretax return on assets | 0.6694% | 4,599 |
| Return on Equity (ROE) | 4.6087% | 4,737 |
| Retained earnings to average equity (ytd only) | 4.6087% | 3,353 |
| Net charge-offs to loans | -0.2161% | 6,410 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.1429% | 1,911 |
| Assets per employee ($millions) | 2.7156% | 6,188 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2082% | 4,596 |
| Loan loss allowance to noncurrent loans | 294.2857% | 1,512 |
| Noncurrent assets plus other real estate owned to assets | 0.2343% | 5,501 |
| Noncurrent loans to loans | 0.4106% | 4,902 |
| Net loans and leases to total assets | 56.3873% | 4,095 |
| Net loans and leases to deposits | 63.5191% | 4,373 |
| Net loans and leases to core deposits | 67.2013% | 4,383 |
| Total domestic deposits to total assets | 88.7721% | 1,792 |
| Equity capital to assets | 10.2939% | 3,482 |
| Core capital (leverage) ratio | 10.3735% | 3,088 |
| Tier 1 risk-based capital ratio | 18.1053% | 2,249 |
| Total risk-based capital ratio | 19.3174% | 2,245 |
| Memoranda: | ||
| Average total assets | $29,877,000 | 6,449 |
| Average earning assets | $27,833,500 | 6,423 |
| Average equity | $3,124,500 | 6,422 |
| Average total loans | $16,657,000 | 6,275 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9207% | 4,386 |
| Cost of funding earning assets | 0.2221% | 6,164 |
| Net interest margin | 3.6986% | 3,062 |
| Noninterest income to average assets | 0.7109% | 2,482 |
| Noninterest expense to average assets | 2.7256% | 4,008 |
| Loan and lease loss provision to assets | 0.0451% | 4,222 |
| Net operating income to assets | 0.8981% | 2,795 |
| Return on assets (ROA) | 0.8981% | 2,881 |
| Pretax return on assets | 1.2900% | 2,200 |
| Return on Equity (ROE) | 8.7129% | 2,692 |
| Retained earnings to average equity (ytd only) | 0.3028% | 5,709 |
| Net charge-offs to loans | -0.0789% | 6,430 |
| Credit loss provision to net charge-offs | -100.0000% | 5,873 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1221% | 4,351 |
| Assets per employee ($millions) | 2.9882% | 5,852 |
| Cash dividends to net income (ytd only)* | 96.5251% | 491 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2113% | 4,601 |
| Loan loss allowance to noncurrent loans | 1,970.0000% | 301 |
| Noncurrent assets plus other real estate owned to assets | 0.0335% | 6,282 |
| Noncurrent loans to loans | 0.0615% | 6,046 |
| Net loans and leases to total assets | 53.7682% | 4,614 |
| Net loans and leases to deposits | 60.4227% | 4,904 |
| Net loans and leases to core deposits | 63.9126% | 4,875 |
| Total domestic deposits to total assets | 88.9867% | 1,640 |
| Equity capital to assets | 10.6218% | 3,017 |
| Core capital (leverage) ratio | 10.5496% | 2,850 |
| Tier 1 risk-based capital ratio | 19.2371% | 1,853 |
| Total risk-based capital ratio | 20.4299% | 1,833 |
| Memoranda: | ||
| Average total assets | $28,837,600 | 6,547 |
| Average earning assets | $26,118,000 | 6,526 |
| Average equity | $2,972,600 | 6,537 |
| Average total loans | $16,481,400 | 6,350 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9901% | 4,168 |
| Cost of funding earning assets | 0.2381% | 6,169 |
| Net interest margin | 3.7521% | 2,838 |
| Noninterest income to average assets | 0.7185% | 2,516 |
| Noninterest expense to average assets | 2.9627% | 3,100 |
| Loan and lease loss provision to assets | 0.0606% | 3,832 |
| Net operating income to assets | 0.7652% | 3,530 |
| Return on assets (ROA) | 0.7652% | 3,660 |
| Pretax return on assets | 1.0778% | 3,199 |
| Return on Equity (ROE) | 7.4826% | 3,386 |
| Retained earnings to average equity (ytd only) | -3.9237% | 6,436 |
| Net charge-offs to loans | -0.0726% | 6,416 |
| Credit loss provision to net charge-offs | -144.4444% | 5,843 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2412% | 3,360 |
| Assets per employee ($millions) | 2.9066% | 6,003 |
| Cash dividends to net income (ytd only)* | 152.4421% | 129 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1854% | 4,934 |
| Loan loss allowance to noncurrent loans | 227.0588% | 1,787 |
| Noncurrent assets plus other real estate owned to assets | 0.2924% | 5,555 |
| Noncurrent loans to loans | 0.5220% | 4,892 |
| Net loans and leases to total assets | 55.3533% | 4,408 |
| Net loans and leases to deposits | 62.2086% | 4,731 |
| Net loans and leases to core deposits | 65.9061% | 4,723 |
| Total domestic deposits to total assets | 88.9803% | 1,563 |
| Equity capital to assets | 10.1218% | 3,741 |
| Core capital (leverage) ratio | 10.0457% | 3,610 |
| Tier 1 risk-based capital ratio | 17.7011% | 2,439 |
| Total risk-based capital ratio | 18.8608% | 2,442 |
| Memoranda: | ||
| Average total assets | $28,576,500 | 6,624 |
| Average earning assets | $25,762,750 | 6,611 |
| Average equity | $2,922,250 | 6,620 |
| Average total loans | $16,535,750 | 6,411 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0762% | 3,826 |
| Cost of funding earning assets | 0.2533% | 6,156 |
| Net interest margin | 3.8230% | 2,465 |
| Noninterest income to average assets | 0.7039% | 2,615 |
| Noninterest expense to average assets | 3.0056% | 2,985 |
| Loan and lease loss provision to assets | 0.0915% | 3,260 |
| Net operating income to assets | 0.7039% | 3,784 |
| Return on assets (ROA) | 0.7039% | 3,957 |
| Pretax return on assets | 1.0066% | 3,481 |
| Return on Equity (ROE) | 6.8595% | 3,692 |
| Retained earnings to average equity (ytd only) | -10.2892% | 6,674 |
| Net charge-offs to loans | -0.0241% | 6,034 |
| Credit loss provision to net charge-offs | -650.0000% | 5,960 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2419% | 3,270 |
| Assets per employee ($millions) | 2.8986% | 6,023 |
| Cash dividends to net income (ytd only)* | 250.0000% | 60 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1076% | 5,411 |
| Loan loss allowance to noncurrent loans | 281.8182% | 1,494 |
| Noncurrent assets plus other real estate owned to assets | 0.2277% | 5,801 |
| Noncurrent loans to loans | 0.3930% | 5,291 |
| Net loans and leases to total assets | 57.2932% | 4,097 |
| Net loans and leases to deposits | 64.1692% | 4,477 |
| Net loans and leases to core deposits | 69.4098% | 4,337 |
| Total domestic deposits to total assets | 89.2845% | 1,459 |
| Equity capital to assets | 9.9186% | 4,017 |
| Core capital (leverage) ratio | 10.2311% | 3,183 |
| Tier 1 risk-based capital ratio | 16.8706% | 2,760 |
| Total risk-based capital ratio | 17.9594% | 2,808 |
| Memoranda: | ||
| Average total assets | $28,413,330 | 6,682 |
| Average earning assets | $25,268,330 | 6,672 |
| Average equity | $2,915,670 | 6,676 |
| Average total loans | $16,620,330 | 6,448 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1925% | 3,335 |
| Cost of funding earning assets | 0.2752% | 6,132 |
| Net interest margin | 3.9173% | 2,060 |
| Noninterest income to average assets | 0.6968% | 2,606 |
| Noninterest expense to average assets | 2.9296% | 3,230 |
| Loan and lease loss provision to assets | 0.0284% | 4,107 |
| Net operating income to assets | 0.8248% | 3,026 |
| Return on assets (ROA) | 0.8248% | 3,169 |
| Pretax return on assets | 1.1804% | 2,645 |
| Return on Equity (ROE) | 7.9019% | 3,026 |
| Retained earnings to average equity (ytd only) | -26.1580% | 6,883 |
| Net charge-offs to loans | -0.0484% | 6,117 |
| Credit loss provision to net charge-offs | -100.0000% | 5,136 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7904% | 3,825 |
| Assets per employee ($millions) | 2.8066% | 6,272 |
| Cash dividends to net income (ytd only)* | 431.0345% | 39 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0487% | 5,800 |
| Loan loss allowance to noncurrent loans | 760.8696% | 596 |
| Noncurrent assets plus other real estate owned to assets | 0.0819% | 6,346 |
| Noncurrent loans to loans | 0.1378% | 6,053 |
| Net loans and leases to total assets | 58.8328% | 3,647 |
| Net loans and leases to deposits | 66.0137% | 4,051 |
| Net loans and leases to core deposits | 71.6045% | 3,867 |
| Total domestic deposits to total assets | 89.1221% | 1,611 |
| Equity capital to assets | 10.1190% | 3,991 |
| Core capital (leverage) ratio | 9.8352% | 3,616 |
| Tier 1 risk-based capital ratio | 16.9289% | 2,778 |
| Total risk-based capital ratio | 17.9721% | 2,866 |
| Memoranda: | ||
| Average total assets | $28,127,000 | 6,754 |
| Average earning assets | $24,711,000 | 6,754 |
| Average equity | $2,936,000 | 6,739 |
| Average total loans | $16,534,000 | 6,503 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7175% | 2,528 |
| Cost of funding earning assets | 0.3399% | 6,272 |
| Net interest margin | 4.3776% | 1,207 |
| Noninterest income to average assets | 0.7495% | 2,499 |
| Noninterest expense to average assets | 2.9260% | 3,543 |
| Loan and lease loss provision to assets | 0.1622% | 3,586 |
| Net operating income to assets | 1.0522% | 2,113 |
| Return on assets (ROA) | 1.0522% | 2,308 |
| Pretax return on assets | 1.5135% | 1,642 |
| Return on Equity (ROE) | 10.1052% | 2,128 |
| Retained earnings to average equity (ytd only) | 10.1052% | 582 |
| Net charge-offs to loans | 0.1483% | 4,208 |
| Credit loss provision to net charge-offs | 173.0769% | 1,522 |
| Earnings coverage of net charge-offs (x) | 17.8846% | 1,478 |
| Efficiency ratio | 63.5865% | 4,968 |
| Assets per employee ($millions) | 2.8188% | 6,287 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0439% | 5,787 |
| Loan loss allowance to noncurrent loans | 743.4783% | 586 |
| Noncurrent assets plus other real estate owned to assets | 0.0816% | 6,396 |
| Noncurrent loans to loans | 0.1404% | 6,133 |
| Net loans and leases to total assets | 57.5067% | 4,057 |
| Net loans and leases to deposits | 64.9179% | 4,438 |
| Net loans and leases to core deposits | 70.4201% | 4,245 |
| Total domestic deposits to total assets | 88.5838% | 1,848 |
| Equity capital to assets | 10.7564% | 3,217 |
| Core capital (leverage) ratio | 10.2881% | 3,026 |
| Tier 1 risk-based capital ratio | 18.3391% | 2,158 |
| Total risk-based capital ratio | 19.3734% | 2,189 |
| Memoranda: | ||
| Average total assets | $27,750,800 | 6,809 |
| Average earning assets | $24,419,600 | 6,805 |
| Average equity | $2,889,600 | 6,809 |
| Average total loans | $17,537,400 | 6,535 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7961% | 2,407 |
| Cost of funding earning assets | 0.3379% | 6,431 |
| Net interest margin | 4.4582% | 1,078 |
| Noninterest income to average assets | 0.7476% | 2,495 |
| Noninterest expense to average assets | 3.0919% | 2,914 |
| Loan and lease loss provision to assets | 0.0338% | 5,352 |
| Net operating income to assets | 1.0901% | 2,129 |
| Return on assets (ROA) | 1.0901% | 2,324 |
| Pretax return on assets | 1.5677% | 1,678 |
| Return on Equity (ROE) | 10.5582% | 2,111 |
| Retained earnings to average equity (ytd only) | 10.5582% | 774 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8787% | 4,469 |
| Assets per employee ($millions) | 2.4887% | 6,703 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9033% | 6,370 |
| Loan loss allowance to noncurrent loans | 387.8049% | 967 |
| Noncurrent assets plus other real estate owned to assets | 0.1498% | 6,338 |
| Noncurrent loans to loans | 0.2329% | 6,024 |
| Net loans and leases to total assets | 63.7164% | 3,074 |
| Net loans and leases to deposits | 72.0874% | 3,601 |
| Net loans and leases to core deposits | 78.6358% | 3,370 |
| Total domestic deposits to total assets | 88.3876% | 1,795 |
| Equity capital to assets | 10.8380% | 3,457 |
| Core capital (leverage) ratio | 10.8904% | 2,499 |
| Tier 1 risk-based capital ratio | 17.2914% | 2,609 |
| Total risk-based capital ratio | 18.2242% | 2,706 |
| Memoranda: | ||
| Average total assets | $27,641,500 | 6,899 |
| Average earning assets | $24,463,500 | 6,889 |
| Average equity | $2,854,000 | 6,902 |
| Average total loans | $17,826,500 | 6,604 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7516% | 2,712 |
| Cost of funding earning assets | 0.3308% | 6,596 |
| Net interest margin | 4.4208% | 1,150 |
| Noninterest income to average assets | 0.7357% | 2,490 |
| Noninterest expense to average assets | 3.1590% | 2,723 |
| Loan and lease loss provision to assets | 0.0505% | 5,036 |
| Net operating income to assets | 1.0242% | 2,364 |
| Return on assets (ROA) | 1.0242% | 2,588 |
| Pretax return on assets | 1.4785% | 1,926 |
| Return on Equity (ROE) | 10.0840% | 2,323 |
| Retained earnings to average equity (ytd only) | 10.0840% | 953 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3846% | 4,258 |
| Assets per employee ($millions) | 2.1296% | 7,004 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8702% | 6,530 |
| Loan loss allowance to noncurrent loans | 795.0000% | 503 |
| Noncurrent assets plus other real estate owned to assets | 0.0722% | 6,632 |
| Noncurrent loans to loans | 0.1095% | 6,391 |
| Net loans and leases to total assets | 65.4217% | 2,785 |
| Net loans and leases to deposits | 73.4975% | 3,379 |
| Net loans and leases to core deposits | 80.0389% | 3,217 |
| Total domestic deposits to total assets | 89.0121% | 1,499 |
| Equity capital to assets | 10.4064% | 3,804 |
| Core capital (leverage) ratio | 10.6386% | 2,676 |
| Tier 1 risk-based capital ratio | 16.1620% | 3,088 |
| Total risk-based capital ratio | 17.0592% | 3,232 |
| Memoranda: | ||
| Average total assets | $27,730,000 | 6,952 |
| Average earning assets | $24,791,670 | 6,939 |
| Average equity | $2,816,330 | 6,949 |
| Average total loans | $17,901,330 | 6,652 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6209% | 3,407 |
| Cost of funding earning assets | 0.3518% | 6,627 |
| Net interest margin | 4.2691% | 1,567 |
| Noninterest income to average assets | 0.6918% | 2,701 |
| Noninterest expense to average assets | 2.8394% | 3,865 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.1819% | 1,794 |
| Return on assets (ROA) | 1.1819% | 1,974 |
| Pretax return on assets | 1.7007% | 1,298 |
| Return on Equity (ROE) | 11.7816% | 1,743 |
| Retained earnings to average equity (ytd only) | 11.7816% | 859 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5397% | 5,182 |
| Assets per employee ($millions) | 2.4795% | 6,862 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8469% | 6,648 |
| Loan loss allowance to noncurrent loans | 286.7925% | 1,170 |
| Noncurrent assets plus other real estate owned to assets | 0.1943% | 6,401 |
| Noncurrent loans to loans | 0.2953% | 6,081 |
| Net loans and leases to total assets | 65.2429% | 2,613 |
| Net loans and leases to deposits | 73.1251% | 3,259 |
| Net loans and leases to core deposits | 78.6693% | 3,235 |
| Total domestic deposits to total assets | 89.2209% | 1,539 |
| Equity capital to assets | 10.3538% | 3,667 |
| Core capital (leverage) ratio | 10.4274% | 2,839 |
| Tier 1 risk-based capital ratio | 16.3311% | 3,000 |
| Total risk-based capital ratio | 17.2162% | 3,160 |
| Memoranda: | ||
| Average total assets | $27,752,500 | 7,005 |
| Average earning assets | $25,017,000 | 6,979 |
| Average equity | $2,784,000 | 7,005 |
| Average total loans | $17,716,500 | 6,720 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5507% | 4,872 |
| Cost of funding earning assets | 0.4728% | 6,644 |
| Net interest margin | 4.0779% | 2,533 |
| Noninterest income to average assets | 0.9777% | 1,430 |
| Noninterest expense to average assets | 3.0133% | 3,543 |
| Loan and lease loss provision to assets | 1.1517% | 779 |
| Net operating income to assets | 0.3445% | 5,092 |
| Return on assets (ROA) | 0.3445% | 5,245 |
| Pretax return on assets | 0.4141% | 5,244 |
| Return on Equity (ROE) | 3.7806% | 4,961 |
| Retained earnings to average equity (ytd only) | -0.6492% | 5,956 |
| Net charge-offs to loans | 1.4886% | 1,078 |
| Credit loss provision to net charge-offs | 134.0081% | 2,256 |
| Earnings coverage of net charge-offs (x) | 1.8219% | 4,417 |
| Efficiency ratio | 65.8055% | 4,810 |
| Assets per employee ($millions) | 2.3525% | 6,962 |
| Cash dividends to net income (ytd only)* | 117.1717% | 223 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8693% | 6,607 |
| Loan loss allowance to noncurrent loans | 316.6667% | 1,053 |
| Noncurrent assets plus other real estate owned to assets | 0.1700% | 6,527 |
| Noncurrent loans to loans | 0.2745% | 6,175 |
| Net loans and leases to total assets | 61.4028% | 3,711 |
| Net loans and leases to deposits | 68.1904% | 4,413 |
| Net loans and leases to core deposits | 72.2100% | 4,494 |
| Total domestic deposits to total assets | 90.0461% | 970 |
| Equity capital to assets | 9.7202% | 4,563 |
| Core capital (leverage) ratio | 9.6063% | 3,857 |
| Tier 1 risk-based capital ratio | 16.1347% | 2,983 |
| Total risk-based capital ratio | 17.0357% | 3,125 |
| Memoranda: | ||
| Average total assets | $28,739,600 | 7,003 |
| Average earning assets | $25,380,600 | 7,001 |
| Average equity | $2,618,600 | 7,090 |
| Average total loans | $16,592,600 | 6,820 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6049% | 4,847 |
| Cost of funding earning assets | 0.5105% | 6,659 |
| Net interest margin | 4.0944% | 2,497 |
| Noninterest income to average assets | 0.5912% | 3,225 |
| Noninterest expense to average assets | 2.8729% | 4,044 |
| Loan and lease loss provision to assets | 0.4388% | 2,279 |
| Net operating income to assets | 0.5820% | 4,165 |
| Return on assets (ROA) | 0.5820% | 4,348 |
| Pretax return on assets | 0.8730% | 3,871 |
| Return on Equity (ROE) | 6.4934% | 3,772 |
| Retained earnings to average equity (ytd only) | 5.8232% | 2,660 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6534% | 4,184 |
| Assets per employee ($millions) | 2.1488% | 7,173 |
| Cash dividends to net income (ytd only)* | 10.3155% | 3,263 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9950% | 6,297 |
| Loan loss allowance to noncurrent loans | 93.1429% | 3,139 |
| Noncurrent assets plus other real estate owned to assets | 0.6265% | 5,570 |
| Noncurrent loans to loans | 1.0682% | 4,779 |
| Net loans and leases to total assets | 58.0619% | 4,507 |
| Net loans and leases to deposits | 64.6381% | 5,093 |
| Net loans and leases to core deposits | 69.3742% | 5,022 |
| Total domestic deposits to total assets | 89.8260% | 960 |
| Equity capital to assets | 9.5797% | 4,960 |
| Core capital (leverage) ratio | 9.3074% | 4,443 |
| Tier 1 risk-based capital ratio | 16.5664% | 2,830 |
| Total risk-based capital ratio | 17.5777% | 2,920 |
| Memoranda: | ||
| Average total assets | $28,867,000 | 7,069 |
| Average earning assets | $25,334,750 | 7,074 |
| Average equity | $2,587,250 | 7,167 |
| Average total loans | $16,369,250 | 6,899 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4914% | 5,382 |
| Cost of funding earning assets | 0.5302% | 6,743 |
| Net interest margin | 3.9612% | 3,033 |
| Noninterest income to average assets | 0.5415% | 3,545 |
| Noninterest expense to average assets | 2.9269% | 3,917 |
| Loan and lease loss provision to assets | 0.6169% | 1,549 |
| Net operating income to assets | 0.3564% | 5,150 |
| Return on assets (ROA) | 0.3564% | 5,286 |
| Pretax return on assets | 0.4798% | 5,134 |
| Return on Equity (ROE) | 4.0662% | 4,911 |
| Retained earnings to average equity (ytd only) | 3.0497% | 4,338 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7428% | 3,593 |
| Assets per employee ($millions) | 2.4549% | 6,964 |
| Cash dividends to net income (ytd only)* | 25.0000% | 2,677 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9481% | 6,514 |
| Loan loss allowance to noncurrent loans | 102.5974% | 2,804 |
| Noncurrent assets plus other real estate owned to assets | 0.5228% | 5,863 |
| Noncurrent loans to loans | 0.9241% | 5,120 |
| Net loans and leases to total assets | 56.0338% | 4,990 |
| Net loans and leases to deposits | 61.7223% | 5,535 |
| Net loans and leases to core deposits | 65.9357% | 5,524 |
| Total domestic deposits to total assets | 90.7838% | 599 |
| Equity capital to assets | 8.7885% | 5,833 |
| Core capital (leverage) ratio | 8.6523% | 5,302 |
| Tier 1 risk-based capital ratio | 15.6779% | 3,143 |
| Total risk-based capital ratio | 16.6324% | 3,258 |
| Memoranda: | ||
| Average total assets | $29,178,000 | 7,126 |
| Average earning assets | $25,649,000 | 7,134 |
| Average equity | $2,557,670 | 7,237 |
| Average total loans | $16,365,000 | 6,962 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4035% | 5,682 |
| Cost of funding earning assets | 0.5171% | 6,909 |
| Net interest margin | 3.8864% | 3,209 |
| Noninterest income to average assets | 0.5372% | 3,601 |
| Noninterest expense to average assets | 2.9617% | 3,808 |
| Loan and lease loss provision to assets | 1.0331% | 728 |
| Net operating income to assets | -0.0551% | 6,417 |
| Return on assets (ROA) | -0.0551% | 6,436 |
| Pretax return on assets | -0.0413% | 6,395 |
| Return on Equity (ROE) | -0.6294% | 6,443 |
| Retained earnings to average equity (ytd only) | -2.6751% | 6,249 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.9129% | 3,344 |
| Assets per employee ($millions) | 2.4984% | 6,986 |
| Cash dividends to net income (ytd only)* | -325.0000% | 7,554 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8668% | 6,786 |
| Loan loss allowance to noncurrent loans | 35.1351% | 5,954 |
| Noncurrent assets plus other real estate owned to assets | 1.3575% | 4,256 |
| Noncurrent loans to loans | 2.4670% | 3,028 |
| Net loans and leases to total assets | 54.5512% | 5,226 |
| Net loans and leases to deposits | 59.7487% | 5,748 |
| Net loans and leases to core deposits | 63.7249% | 5,763 |
| Total domestic deposits to total assets | 91.3012% | 484 |
| Equity capital to assets | 8.4520% | 5,975 |
| Core capital (leverage) ratio | 8.8193% | 4,898 |
| Tier 1 risk-based capital ratio | 14.8038% | 3,542 |
| Total risk-based capital ratio | 15.6376% | 3,776 |
| Memoranda: | ||
| Average total assets | $29,037,500 | 7,181 |
| Average earning assets | $25,525,000 | 7,185 |
| Average equity | $2,542,000 | 7,286 |
| Average total loans | $16,215,000 | 7,023 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7774% | 5,499 |
| Cost of funding earning assets | 0.6367% | 7,041 |
| Net interest margin | 4.1407% | 2,408 |
| Noninterest income to average assets | 0.6009% | 3,471 |
| Noninterest expense to average assets | 3.4614% | 2,271 |
| Loan and lease loss provision to assets | 0.5377% | 2,999 |
| Net operating income to assets | 0.3092% | 4,907 |
| Return on assets (ROA) | 0.3092% | 5,077 |
| Pretax return on assets | 0.4182% | 4,888 |
| Return on Equity (ROE) | 3.4758% | 4,765 |
| Retained earnings to average equity (ytd only) | 3.4758% | 3,437 |
| Net charge-offs to loans | 0.9574% | 2,261 |
| Credit loss provision to net charge-offs | 95.6250% | 4,866 |
| Earnings coverage of net charge-offs (x) | 1.7000% | 4,448 |
| Efficiency ratio | 78.3612% | 2,639 |
| Assets per employee ($millions) | 2.3412% | 7,181 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4268% | 7,406 |
| Loan loss allowance to noncurrent loans | 36.9565% | 5,845 |
| Noncurrent assets plus other real estate owned to assets | 0.6549% | 5,695 |
| Noncurrent loans to loans | 1.1549% | 4,796 |
| Net loans and leases to total assets | 56.4676% | 5,262 |
| Net loans and leases to deposits | 63.5068% | 5,681 |
| Net loans and leases to core deposits | 68.1560% | 5,644 |
| Total domestic deposits to total assets | 88.9158% | 1,706 |
| Equity capital to assets | 9.0767% | 5,029 |
| Core capital (leverage) ratio | 8.8698% | 4,751 |
| Tier 1 risk-based capital ratio | 15.6800% | 2,904 |
| Total risk-based capital ratio | 16.0972% | 3,300 |
| Memoranda: | ||
| Average total assets | $28,456,600 | 7,258 |
| Average earning assets | $26,227,600 | 7,219 |
| Average equity | $2,531,800 | 7,390 |
| Average total loans | $16,712,000 | 7,084 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8439% | 5,498 |
| Cost of funding earning assets | 0.6502% | 7,180 |
| Net interest margin | 4.1937% | 2,238 |
| Noninterest income to average assets | 0.5558% | 3,748 |
| Noninterest expense to average assets | 2.7836% | 4,556 |
| Loan and lease loss provision to assets | 0.7146% | 2,136 |
| Net operating income to assets | 0.6025% | 3,870 |
| Return on assets (ROA) | 0.6025% | 4,028 |
| Pretax return on assets | 0.9435% | 3,394 |
| Return on Equity (ROE) | 6.8058% | 3,429 |
| Retained earnings to average equity (ytd only) | 6.8058% | 1,941 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6709% | 5,495 |
| Assets per employee ($millions) | 2.4966% | 7,086 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3715% | 4,617 |
| Loan loss allowance to noncurrent loans | 760.0000% | 455 |
| Noncurrent assets plus other real estate owned to assets | 0.1092% | 7,086 |
| Noncurrent loans to loans | 0.1805% | 6,824 |
| Net loans and leases to total assets | 59.7021% | 4,963 |
| Net loans and leases to deposits | 69.1902% | 5,249 |
| Net loans and leases to core deposits | 74.5374% | 5,227 |
| Total domestic deposits to total assets | 86.2870% | 2,927 |
| Equity capital to assets | 9.4709% | 4,890 |
| Core capital (leverage) ratio | 9.1653% | 4,433 |
| Tier 1 risk-based capital ratio | 15.8180% | 2,854 |
| Total risk-based capital ratio | 17.1275% | 2,769 |
| Memoranda: | ||
| Average total assets | $28,547,250 | 7,346 |
| Average earning assets | $26,451,750 | 7,301 |
| Average equity | $2,527,250 | 7,486 |
| Average total loans | $16,907,000 | 7,173 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7566% | 5,945 |
| Cost of funding earning assets | 0.6507% | 7,293 |
| Net interest margin | 4.1059% | 2,531 |
| Noninterest income to average assets | 0.5673% | 3,570 |
| Noninterest expense to average assets | 2.7397% | 4,740 |
| Loan and lease loss provision to assets | 1.0585% | 1,366 |
| Net operating income to assets | 0.4220% | 4,650 |
| Return on assets (ROA) | 0.4220% | 4,806 |
| Pretax return on assets | 0.5673% | 4,681 |
| Return on Equity (ROE) | 4.8748% | 4,350 |
| Retained earnings to average equity (ytd only) | 4.8748% | 2,972 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7575% | 5,561 |
| Assets per employee ($millions) | 2.6251% | 6,904 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3832% | 4,507 |
| Loan loss allowance to noncurrent loans | 518.1818% | 629 |
| Noncurrent assets plus other real estate owned to assets | 0.1524% | 7,009 |
| Noncurrent loans to loans | 0.2669% | 6,697 |
| Net loans and leases to total assets | 56.2924% | 5,661 |
| Net loans and leases to deposits | 64.4043% | 5,988 |
| Net loans and leases to core deposits | 66.7886% | 6,179 |
| Total domestic deposits to total assets | 87.4048% | 2,324 |
| Equity capital to assets | 8.7789% | 5,780 |
| Core capital (leverage) ratio | 8.7285% | 5,038 |
| Tier 1 risk-based capital ratio | 14.9884% | 3,155 |
| Total risk-based capital ratio | 16.2923% | 3,102 |
| Memoranda: | ||
| Average total assets | $28,908,670 | 7,391 |
| Average earning assets | $26,742,000 | 7,347 |
| Average equity | $2,502,670 | 7,550 |
| Average total loans | $17,001,330 | 7,221 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8185% | 5,821 |
| Cost of funding earning assets | 0.6884% | 7,357 |
| Net interest margin | 4.1301% | 2,320 |
| Noninterest income to average assets | 0.5532% | 3,628 |
| Noninterest expense to average assets | 2.7658% | 4,626 |
| Loan and lease loss provision to assets | 0.7329% | 1,734 |
| Net operating income to assets | 0.6223% | 3,791 |
| Return on assets (ROA) | 0.6223% | 3,929 |
| Pretax return on assets | 0.8712% | 3,574 |
| Return on Equity (ROE) | 7.2391% | 3,226 |
| Retained earnings to average equity (ytd only) | 7.2391% | 2,034 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2911% | 5,614 |
| Assets per employee ($millions) | 2.6261% | 6,991 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7493% | 7,242 |
| Loan loss allowance to noncurrent loans | 65.3061% | 4,096 |
| Noncurrent assets plus other real estate owned to assets | 0.6785% | 5,817 |
| Noncurrent loans to loans | 1.1474% | 5,074 |
| Net loans and leases to total assets | 58.6908% | 5,322 |
| Net loans and leases to deposits | 65.6903% | 5,855 |
| Net loans and leases to core deposits | 68.0638% | 6,096 |
| Total domestic deposits to total assets | 89.3447% | 1,334 |
| Equity capital to assets | 8.6683% | 5,776 |
| Core capital (leverage) ratio | 8.7417% | 4,950 |
| Tier 1 risk-based capital ratio | 14.4858% | 3,382 |
| Total risk-based capital ratio | 15.2266% | 3,629 |
| Memoranda: | ||
| Average total assets | $28,925,000 | 7,480 |
| Average earning assets | $26,730,500 | 7,436 |
| Average equity | $2,486,500 | 7,638 |
| Average total loans | $17,260,500 | 7,299 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3396% | 4,984 |
| Cost of funding earning assets | 1.0407% | 7,120 |
| Net interest margin | 4.2989% | 1,724 |
| Noninterest income to average assets | 0.6821% | 3,074 |
| Noninterest expense to average assets | 3.6854% | 1,940 |
| Loan and lease loss provision to assets | 0.2750% | 5,213 |
| Net operating income to assets | 0.3630% | 4,279 |
| Return on assets (ROA) | 0.3630% | 4,377 |
| Pretax return on assets | 0.7811% | 3,302 |
| Return on Equity (ROE) | 3.9109% | 4,130 |
| Retained earnings to average equity (ytd only) | -12.0882% | 6,689 |
| Net charge-offs to loans | 1.1542% | 2,121 |
| Credit loss provision to net charge-offs | 37.5000% | 6,851 |
| Earnings coverage of net charge-offs (x) | 1.4400% | 4,685 |
| Efficiency ratio | 77.7262% | 3,237 |
| Assets per employee ($millions) | 2.4136% | 7,337 |
| Cash dividends to net income (ytd only)* | 409.0909% | 70 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4301% | 7,729 |
| Loan loss allowance to noncurrent loans | 25.5102% | 6,763 |
| Noncurrent assets plus other real estate owned to assets | 1.0151% | 5,085 |
| Noncurrent loans to loans | 1.6859% | 4,119 |
| Net loans and leases to total assets | 59.9524% | 5,345 |
| Net loans and leases to deposits | 66.9778% | 5,951 |
| Net loans and leases to core deposits | 75.6404% | 6,427 |
| Total domestic deposits to total assets | 89.5108% | 1,204 |
| Equity capital to assets | 8.5247% | 5,841 |
| Core capital (leverage) ratio | 8.5318% | 5,235 |
| Tier 1 risk-based capital ratio | 14.0124% | 3,490 |
| Total risk-based capital ratio | 14.4382% | 3,968 |
| Memoranda: | ||
| Average total assets | $27,269,400 | 7,573 |
| Average earning assets | $25,750,800 | 7,517 |
| Average equity | $2,531,400 | 7,724 |
| Average total loans | $17,327,800 | 7,336 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5632% | 4,079 |
| Cost of funding earning assets | 1.1074% | 7,163 |
| Net interest margin | 4.4558% | 1,305 |
| Noninterest income to average assets | 0.7052% | 2,984 |
| Noninterest expense to average assets | 3.1835% | 3,355 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.5761% | 3,699 |
| Return on assets (ROA) | 0.5761% | 3,768 |
| Pretax return on assets | 1.7382% | 901 |
| Return on Equity (ROE) | 6.0722% | 3,497 |
| Retained earnings to average equity (ytd only) | -15.1284% | 7,139 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6821% | 5,619 |
| Assets per employee ($millions) | 2.7570% | 6,719 |
| Cash dividends to net income (ytd only)* | 349.1465% | 97 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1414% | 5,469 |
| Loan loss allowance to noncurrent loans | 185.1852% | 1,587 |
| Noncurrent assets plus other real estate owned to assets | 0.3917% | 6,478 |
| Noncurrent loans to loans | 0.6164% | 6,074 |
| Net loans and leases to total assets | 62.8292% | 5,104 |
| Net loans and leases to deposits | 71.9502% | 5,664 |
| Net loans and leases to core deposits | 85.1371% | 5,958 |
| Total domestic deposits to total assets | 87.3232% | 1,999 |
| Equity capital to assets | 9.0207% | 5,454 |
| Core capital (leverage) ratio | 9.0088% | 4,633 |
| Tier 1 risk-based capital ratio | 14.3924% | 3,334 |
| Total risk-based capital ratio | 15.5508% | 3,334 |
| Memoranda: | ||
| Average total assets | $26,846,000 | 7,656 |
| Average earning assets | $25,404,500 | 7,592 |
| Average equity | $2,547,000 | 7,793 |
| Average total loans | $17,300,000 | 7,400 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7307% | 3,388 |
| Cost of funding earning assets | 1.2002% | 7,102 |
| Net interest margin | 4.5305% | 1,096 |
| Noninterest income to average assets | 0.7442% | 2,733 |
| Noninterest expense to average assets | 2.8115% | 4,914 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.3458% | 4,694 |
| Return on assets (ROA) | 0.3458% | 4,810 |
| Pretax return on assets | 2.2177% | 346 |
| Return on Equity (ROE) | 3.5840% | 4,673 |
| Retained earnings to average equity (ytd only) | -27.9704% | 7,655 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.9043% | 7,131 |
| Assets per employee ($millions) | 2.6090% | 7,037 |
| Cash dividends to net income (ytd only)* | 880.4348% | 42 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1448% | 5,300 |
| Loan loss allowance to noncurrent loans | 123.4568% | 2,397 |
| Noncurrent assets plus other real estate owned to assets | 0.6209% | 5,864 |
| Noncurrent loans to loans | 0.9273% | 5,361 |
| Net loans and leases to total assets | 66.1978% | 4,529 |
| Net loans and leases to deposits | 76.6476% | 5,074 |
| Net loans and leases to core deposits | 93.7317% | 5,145 |
| Total domestic deposits to total assets | 86.3664% | 2,586 |
| Equity capital to assets | 9.3101% | 4,853 |
| Core capital (leverage) ratio | 9.0957% | 4,474 |
| Tier 1 risk-based capital ratio | 14.1375% | 3,436 |
| Total risk-based capital ratio | 15.3034% | 3,427 |
| Memoranda: | ||
| Average total assets | $26,604,670 | 7,737 |
| Average earning assets | $25,162,670 | 7,672 |
| Average equity | $2,567,000 | 7,870 |
| Average total loans | $17,226,000 | 7,473 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8033% | 3,282 |
| Cost of funding earning assets | 1.2843% | 7,067 |
| Net interest margin | 4.5190% | 1,085 |
| Noninterest income to average assets | 0.7445% | 2,632 |
| Noninterest expense to average assets | 2.5463% | 5,662 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.5040% | 930 |
| Return on assets (ROA) | 1.5040% | 998 |
| Pretax return on assets | 2.4421% | 283 |
| Return on Equity (ROE) | 15.3263% | 917 |
| Retained earnings to average equity (ytd only) | -46.1305% | 8,014 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.0448% | 7,507 |
| Assets per employee ($millions) | 2.4676% | 7,343 |
| Cash dividends to net income (ytd only)* | 400.9901% | 103 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1434% | 5,167 |
| Loan loss allowance to noncurrent loans | 173.9130% | 1,880 |
| Noncurrent assets plus other real estate owned to assets | 0.4237% | 6,235 |
| Noncurrent loans to loans | 0.6575% | 5,762 |
| Net loans and leases to total assets | 63.7010% | 5,041 |
| Net loans and leases to deposits | 74.8334% | 5,370 |
| Net loans and leases to core deposits | 90.0151% | 5,551 |
| Total domestic deposits to total assets | 85.1238% | 3,145 |
| Equity capital to assets | 9.1586% | 5,139 |
| Core capital (leverage) ratio | 9.3473% | 4,176 |
| Tier 1 risk-based capital ratio | 14.2981% | 3,433 |
| Total risk-based capital ratio | 15.4516% | 3,410 |
| Memoranda: | ||
| Average total assets | $26,862,000 | 7,768 |
| Average earning assets | $25,227,000 | 7,716 |
| Average equity | $2,636,000 | 7,892 |
| Average total loans | $17,103,500 | 7,528 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3843% | 3,502 |
| Cost of funding earning assets | 1.5641% | 7,515 |
| Net interest margin | 4.8202% | 748 |
| Noninterest income to average assets | 0.8010% | 2,508 |
| Noninterest expense to average assets | 3.2976% | 2,968 |
| Loan and lease loss provision to assets | 0.2882% | 4,074 |
| Net operating income to assets | 0.8459% | 3,236 |
| Return on assets (ROA) | 0.8459% | 3,075 |
| Pretax return on assets | 1.7255% | 1,090 |
| Return on Equity (ROE) | 7.9071% | 3,109 |
| Retained earnings to average equity (ytd only) | -16.5839% | 7,549 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0860% | 5,938 |
| Assets per employee ($millions) | 2.4164% | 7,372 |
| Cash dividends to net income (ytd only)* | 309.7345% | 186 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1965% | 4,561 |
| Loan loss allowance to noncurrent loans | 176.9912% | 2,164 |
| Noncurrent assets plus other real estate owned to assets | 0.4251% | 5,943 |
| Noncurrent loans to loans | 0.6760% | 5,342 |
| Net loans and leases to total assets | 62.1369% | 5,606 |
| Net loans and leases to deposits | 69.6760% | 6,303 |
| Net loans and leases to core deposits | 81.2236% | 6,518 |
| Total domestic deposits to total assets | 89.1798% | 973 |
| Equity capital to assets | 10.4816% | 3,525 |
| Core capital (leverage) ratio | 10.3744% | 3,095 |
| Tier 1 risk-based capital ratio | 16.5257% | 2,478 |
| Total risk-based capital ratio | 17.7171% | 2,431 |
| Memoranda: | ||
| Average total assets | $26,716,400 | 7,775 |
| Average earning assets | $24,998,800 | 7,739 |
| Average equity | $2,858,200 | 7,878 |
| Average total loans | $17,404,600 | 7,497 |