Home > Ford County State Bank > Performance and Condition Ratios
Ford County State Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0845% | 2,959 |
| Cost of funding earning assets | 2.0323% | 1,849 |
| Net interest margin | 3.0521% | 3,296 |
| Noninterest income to average assets | 0.1500% | 3,849 |
| Noninterest expense to average assets | 2.0142% | 3,528 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | 0.8314% | 2,758 |
| Return on assets (ROA) | 0.8314% | 2,761 |
| Pretax return on assets | 0.9463% | 2,859 |
| Return on Equity (ROE) | 11.5900% | 1,857 |
| Retained earnings to average equity (ytd only) | 5.9364% | 2,292 |
| 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 | 68.0365% | 2,038 |
| Assets per employee ($millions) | 8.4560% | 1,324 |
| Cash dividends to net income (ytd only)* | 48.7805% | 1,265 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0931% | 2,751 |
| 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 | 47.5400% | 3,694 |
| Net loans and leases to deposits | 56.9636% | 3,609 |
| Net loans and leases to core deposits | 64.6362% | 3,515 |
| Total domestic deposits to total assets | 83.4600% | 3,042 |
| Equity capital to assets | 7.5162% | 3,843 |
| Core capital (leverage) ratio | 10.4342% | 2,462 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2315% | 1,018 |
| Memoranda: | ||
| Average total assets | $59,178,500 | 4,132 |
| Average earning assets | $54,519,000 | 4,118 |
| Average equity | $4,245,000 | 4,287 |
| Average total loans | $28,560,500 | 4,111 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6825% | 3,626 |
| Cost of funding earning assets | 2.0736% | 2,039 |
| Net interest margin | 2.6088% | 3,765 |
| Noninterest income to average assets | 0.1200% | 4,121 |
| Noninterest expense to average assets | 2.1984% | 3,145 |
| Loan and lease loss provision to assets | 0.0000% | 3,171 |
| Net operating income to assets | 0.2487% | 3,918 |
| Return on assets (ROA) | 0.2487% | 3,945 |
| Pretax return on assets | 0.3027% | 3,926 |
| Return on Equity (ROE) | 3.5500% | 3,774 |
| Retained earnings to average equity (ytd only) | 3.5481% | 2,810 |
| Net charge-offs to loans | -0.0282% | 4,236 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 87.8963% | 594 |
| Assets per employee ($millions) | 8.4521% | 1,286 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0848% | 2,767 |
| 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 | 47.9300% | 3,727 |
| Net loans and leases to deposits | 59.6743% | 3,547 |
| Net loans and leases to core deposits | 67.6907% | 3,455 |
| Total domestic deposits to total assets | 80.3200% | 3,519 |
| Equity capital to assets | 6.8301% | 4,023 |
| Core capital (leverage) ratio | 10.4201% | 2,420 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8547% | 1,083 |
| Memoranda: | ||
| Average total assets | $55,494,200 | 4,180 |
| Average earning assets | $50,635,800 | 4,167 |
| Average equity | $3,889,400 | 4,312 |
| Average total loans | $24,850,000 | 4,158 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5627% | 3,755 |
| Cost of funding earning assets | 2.0511% | 2,085 |
| Net interest margin | 2.5116% | 3,878 |
| Noninterest income to average assets | 0.1200% | 4,140 |
| Noninterest expense to average assets | 2.2695% | 2,892 |
| Loan and lease loss provision to assets | 0.0000% | 3,009 |
| Net operating income to assets | 0.1197% | 4,095 |
| Return on assets (ROA) | 0.1197% | 4,125 |
| Pretax return on assets | 0.1466% | 4,108 |
| Return on Equity (ROE) | 1.7000% | 4,056 |
| Retained earnings to average equity (ytd only) | 1.6963% | 3,536 |
| Net charge-offs to loans | -0.0391% | 4,291 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 93.9333% | 402 |
| Assets per employee ($millions) | 8.0644% | 1,476 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2008% | 2,211 |
| Loan loss allowance to noncurrent loans | 438.0282% | 1,376 |
| Noncurrent assets plus other real estate owned to assets | 0.1258% | 2,867 |
| Noncurrent loans to loans | 0.2741% | 2,460 |
| Net loans and leases to total assets | 45.3300% | 3,854 |
| Net loans and leases to deposits | 55.8188% | 3,752 |
| Net loans and leases to core deposits | 63.0162% | 3,683 |
| Total domestic deposits to total assets | 81.2100% | 3,261 |
| Equity capital to assets | 7.8546% | 3,801 |
| Core capital (leverage) ratio | 10.5779% | 2,358 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0721% | 913 |
| Memoranda: | ||
| Average total assets | $54,576,500 | 4,213 |
| Average earning assets | $49,793,750 | 4,199 |
| Average equity | $3,851,500 | 4,341 |
| Average total loans | $23,895,000 | 4,193 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4070% | 3,908 |
| Cost of funding earning assets | 1.9015% | 2,359 |
| Net interest margin | 2.5055% | 3,874 |
| Noninterest income to average assets | 0.1300% | 4,102 |
| Noninterest expense to average assets | 2.3428% | 2,674 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 0.0593% | 4,170 |
| Return on assets (ROA) | 0.0593% | 4,196 |
| Pretax return on assets | 0.0667% | 4,187 |
| Return on Equity (ROE) | 0.8700% | 4,156 |
| Retained earnings to average equity (ytd only) | 0.8750% | 3,633 |
| Net charge-offs to loans | -0.1033% | 4,446 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 97.2308% | 338 |
| Assets per employee ($millions) | 7.0508% | 2,045 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2397% | 2,039 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,808 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,854 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 44.6300% | 3,881 |
| Net loans and leases to deposits | 52.9544% | 3,854 |
| Net loans and leases to core deposits | 59.8711% | 3,768 |
| Total domestic deposits to total assets | 84.2800% | 2,530 |
| Equity capital to assets | 6.5897% | 4,074 |
| Core capital (leverage) ratio | 11.1840% | 1,906 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9015% | 936 |
| Memoranda: | ||
| Average total assets | $53,951,667 | 4,236 |
| Average earning assets | $49,012,667 | 4,226 |
| Average equity | $3,657,333 | 4,365 |
| Average total loans | $23,226,667 | 4,220 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3071% | 3,953 |
| Cost of funding earning assets | 1.8399% | 2,395 |
| Net interest margin | 2.4672% | 3,913 |
| Noninterest income to average assets | 0.1500% | 3,964 |
| Noninterest expense to average assets | 2.6022% | 1,962 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | -0.1517% | 4,362 |
| Return on assets (ROA) | -0.1517% | 4,352 |
| Pretax return on assets | -0.2124% | 4,351 |
| Return on Equity (ROE) | -2.2100% | 4,353 |
| Retained earnings to average equity (ytd only) | -2.2054% | 3,945 |
| Net charge-offs to loans | -0.2172% | 4,529 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 108.8889% | 194 |
| Assets per employee ($millions) | 6.5609% | 2,408 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4228% | 1,306 |
| 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 | 41.7100% | 3,968 |
| Net loans and leases to deposits | 45.0559% | 4,063 |
| Net loans and leases to core deposits | 49.8997% | 4,079 |
| Total domestic deposits to total assets | 92.5800% | 231 |
| Equity capital to assets | 6.7483% | 3,997 |
| Core capital (leverage) ratio | 11.4998% | 1,651 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.8752% | 706 |
| Memoranda: | ||
| Average total assets | $52,724,500 | 4,277 |
| Average earning assets | $47,828,000 | 4,263 |
| Average equity | $3,627,500 | 4,390 |
| Average total loans | $22,095,000 | 4,261 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8788% | 4,103 |
| Cost of funding earning assets | 1.2482% | 2,659 |
| Net interest margin | 2.6306% | 3,931 |
| Noninterest income to average assets | 0.1200% | 4,210 |
| Noninterest expense to average assets | 2.2553% | 2,969 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.2128% | 4,155 |
| Return on assets (ROA) | 0.2128% | 4,164 |
| Pretax return on assets | 0.2514% | 4,141 |
| Return on Equity (ROE) | 3.2400% | 3,986 |
| Retained earnings to average equity (ytd only) | -0.2949% | 4,122 |
| Net charge-offs to loans | -0.0099% | 3,992 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 89.9691% | 411 |
| Assets per employee ($millions) | 7.5660% | 1,685 |
| Cash dividends to net income (ytd only)* | 109.0909% | 206 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3831% | 1,447 |
| 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 | 40.9300% | 4,005 |
| Net loans and leases to deposits | 45.7136% | 4,059 |
| Net loans and leases to core deposits | 50.8731% | 4,066 |
| Total domestic deposits to total assets | 89.5300% | 898 |
| Equity capital to assets | 7.0107% | 3,933 |
| Core capital (leverage) ratio | 11.3991% | 1,703 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.8531% | 702 |
| Memoranda: | ||
| Average total assets | $51,701,400 | 4,306 |
| Average earning assets | $46,947,400 | 4,282 |
| Average equity | $3,390,600 | 4,398 |
| Average total loans | $20,173,800 | 4,288 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7436% | 4,162 |
| Cost of funding earning assets | 1.1245% | 2,672 |
| Net interest margin | 2.6191% | 4,004 |
| Noninterest income to average assets | 0.1200% | 4,221 |
| Noninterest expense to average assets | 2.2807% | 2,851 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.1790% | 4,254 |
| Return on assets (ROA) | 0.1790% | 4,269 |
| Pretax return on assets | 0.2231% | 4,229 |
| Return on Equity (ROE) | 2.7800% | 4,123 |
| Retained earnings to average equity (ytd only) | -2.0543% | 4,322 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 91.0881% | 345 |
| Assets per employee ($millions) | 7.2064% | 1,818 |
| Cash dividends to net income (ytd only)* | 173.9130% | 43 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3643% | 1,607 |
| 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 | 43.1400% | 3,947 |
| Net loans and leases to deposits | 48.1173% | 4,001 |
| Net loans and leases to core deposits | 53.8091% | 3,942 |
| Total domestic deposits to total assets | 89.6600% | 1,028 |
| Equity capital to assets | 5.7964% | 4,054 |
| Core capital (leverage) ratio | 11.5994% | 1,624 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.8316% | 719 |
| Memoranda: | ||
| Average total assets | $51,386,250 | 4,324 |
| Average earning assets | $46,834,000 | 4,302 |
| Average equity | $3,310,000 | 4,421 |
| Average total loans | $19,722,250 | 4,313 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6238% | 4,229 |
| Cost of funding earning assets | 0.9632% | 2,726 |
| Net interest margin | 2.6606% | 4,023 |
| Noninterest income to average assets | 0.1200% | 4,227 |
| Noninterest expense to average assets | 2.3443% | 2,668 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.1663% | 4,318 |
| Return on assets (ROA) | 0.1663% | 4,343 |
| Pretax return on assets | 0.2050% | 4,311 |
| Return on Equity (ROE) | 2.5000% | 4,219 |
| Retained earnings to average equity (ytd only) | -4.4785% | 4,405 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 91.9575% | 299 |
| Assets per employee ($millions) | 7.1510% | 1,816 |
| Cash dividends to net income (ytd only)* | 279.0698% | 21 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4799% | 1,240 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 40.1600% | 4,032 |
| Net loans and leases to deposits | 43.9502% | 4,098 |
| Net loans and leases to core deposits | 49.1253% | 4,043 |
| Total domestic deposits to total assets | 91.3900% | 529 |
| Equity capital to assets | 6.5825% | 3,962 |
| Core capital (leverage) ratio | 11.6049% | 1,565 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $51,700,000 | 4,341 |
| Average earning assets | $47,132,667 | 4,322 |
| Average equity | $3,438,667 | 4,444 |
| Average total loans | $18,942,000 | 4,345 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5287% | 4,233 |
| Cost of funding earning assets | 0.8509% | 2,532 |
| Net interest margin | 2.6778% | 4,098 |
| Noninterest income to average assets | 0.1400% | 4,146 |
| Noninterest expense to average assets | 2.3762% | 2,598 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.1752% | 4,382 |
| Return on assets (ROA) | 0.1752% | 4,355 |
| Pretax return on assets | 0.2132% | 4,324 |
| Return on Equity (ROE) | 2.6200% | 4,228 |
| Retained earnings to average equity (ytd only) | -11.0526% | 4,494 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 91.7647% | 315 |
| Assets per employee ($millions) | 6.6206% | 2,249 |
| Cash dividends to net income (ytd only)* | 521.7391% | 15 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6868% | 839 |
| 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 | 33.2300% | 4,291 |
| Net loans and leases to deposits | 35.9224% | 4,330 |
| Net loans and leases to core deposits | 39.8578% | 4,273 |
| Total domestic deposits to total assets | 92.5100% | 395 |
| Equity capital to assets | 6.8819% | 3,882 |
| Core capital (leverage) ratio | 11.0761% | 1,792 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $52,521,500 | 4,390 |
| Average earning assets | $47,949,500 | 4,373 |
| Average equity | $3,510,500 | 4,497 |
| Average total loans | $18,209,500 | 4,416 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8247% | 4,304 |
| Cost of funding earning assets | 0.2956% | 2,915 |
| Net interest margin | 2.5291% | 4,255 |
| Noninterest income to average assets | 0.1100% | 4,393 |
| Noninterest expense to average assets | 2.1912% | 3,054 |
| Loan and lease loss provision to assets | -0.3300% | 4,673 |
| Net operating income to assets | 0.4424% | 4,190 |
| Return on assets (ROA) | 0.4424% | 4,147 |
| Pretax return on assets | 0.5666% | 4,084 |
| Return on Equity (ROE) | 5.8000% | 3,866 |
| Retained earnings to average equity (ytd only) | 1.3583% | 4,129 |
| Net charge-offs to loans | -0.5121% | 4,701 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 90.2326% | 294 |
| Assets per employee ($millions) | 6.5098% | 2,328 |
| Cash dividends to net income (ytd only)* | 76.5957% | 508 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6311% | 917 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 34.9700% | 4,261 |
| Net loans and leases to deposits | 37.5960% | 4,305 |
| Net loans and leases to core deposits | 41.7816% | 4,235 |
| Total domestic deposits to total assets | 93.0200% | 402 |
| Equity capital to assets | 6.4826% | 3,902 |
| Core capital (leverage) ratio | 11.5532% | 1,489 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $53,121,600 | 4,407 |
| Average earning assets | $48,713,600 | 4,389 |
| Average equity | $4,049,200 | 4,527 |
| Average total loans | $16,597,800 | 4,460 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6577% | 4,333 |
| Cost of funding earning assets | 0.2337% | 2,886 |
| Net interest margin | 2.4240% | 4,293 |
| Noninterest income to average assets | 0.1100% | 4,421 |
| Noninterest expense to average assets | 2.1005% | 3,208 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.1823% | 4,485 |
| Return on assets (ROA) | 0.1823% | 4,456 |
| Pretax return on assets | 0.2398% | 4,428 |
| Return on Equity (ROE) | 2.3100% | 4,373 |
| Retained earnings to average equity (ytd only) | -3.3826% | 4,549 |
| Net charge-offs to loans | -0.7031% | 4,747 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 89.7545% | 326 |
| Assets per employee ($millions) | 6.4333% | 2,380 |
| Cash dividends to net income (ytd only)* | 246.5753% | 34 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7893% | 162 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 32.3000% | 4,360 |
| Net loans and leases to deposits | 34.5613% | 4,405 |
| Net loans and leases to core deposits | 37.3523% | 4,360 |
| Total domestic deposits to total assets | 93.4600% | 459 |
| Equity capital to assets | 5.9670% | 3,978 |
| Core capital (leverage) ratio | 11.0295% | 1,712 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $53,382,500 | 4,436 |
| Average earning assets | $49,063,250 | 4,413 |
| Average equity | $4,217,500 | 4,556 |
| Average total loans | $16,118,500 | 4,503 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4174% | 4,449 |
| Cost of funding earning assets | 0.2045% | 2,857 |
| Net interest margin | 2.2130% | 4,409 |
| Noninterest income to average assets | 0.1148% | 4,420 |
| Noninterest expense to average assets | 2.0881% | 3,187 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.0555% | 4,550 |
| Return on assets (ROA) | 0.0555% | 4,518 |
| Pretax return on assets | 0.0703% | 4,504 |
| Return on Equity (ROE) | 0.6522% | 4,500 |
| Retained earnings to average equity (ytd only) | -7.1744% | 4,598 |
| Net charge-offs to loans | -0.1647% | 4,552 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.7410% | 238 |
| Assets per employee ($millions) | 7.7644% | 1,440 |
| Cash dividends to net income (ytd only)* | 1,200.0000% | 9 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5504% | 241 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 28.4723% | 4,507 |
| Net loans and leases to deposits | 30.6539% | 4,534 |
| Net loans and leases to core deposits | 33.0007% | 4,509 |
| Total domestic deposits to total assets | 92.8833% | 545 |
| Equity capital to assets | 6.6218% | 3,963 |
| Core capital (leverage) ratio | 10.7581% | 1,755 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $54,021,333 | 4,472 |
| Average earning assets | $49,887,667 | 4,462 |
| Average equity | $4,599,667 | 4,560 |
| Average total loans | $15,791,000 | 4,567 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2680% | 4,478 |
| Cost of funding earning assets | 0.1923% | 2,905 |
| Net interest margin | 2.0757% | 4,465 |
| Noninterest income to average assets | 0.1337% | 4,346 |
| Noninterest expense to average assets | 2.1242% | 3,068 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | -0.0520% | 4,572 |
| Return on assets (ROA) | -0.0520% | 4,554 |
| Pretax return on assets | -0.0668% | 4,554 |
| Return on Equity (ROE) | -0.5490% | 4,561 |
| Retained earnings to average equity (ytd only) | -14.6667% | 4,639 |
| Net charge-offs to loans | -0.1524% | 4,551 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.2491% | 200 |
| Assets per employee ($millions) | 6.8710% | 2,087 |
| Cash dividends to net income (ytd only)* | -2,571.4286% | 4,791 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6661% | 238 |
| 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 | 26.4336% | 4,547 |
| Net loans and leases to deposits | 28.9546% | 4,576 |
| Net loans and leases to core deposits | 31.1983% | 4,553 |
| Total domestic deposits to total assets | 91.2931% | 891 |
| Equity capital to assets | 8.2339% | 3,377 |
| Core capital (leverage) ratio | 9.3465% | 2,959 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.8412% | 338 |
| Memoranda: | ||
| Average total assets | $53,856,500 | 4,497 |
| Average earning assets | $49,911,500 | 4,485 |
| Average equity | $5,100,000 | 4,557 |
| Average total loans | $15,746,500 | 4,584 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5158% | 4,467 |
| Cost of funding earning assets | 0.2329% | 3,105 |
| Net interest margin | 2.2829% | 4,430 |
| Noninterest income to average assets | 0.1109% | 4,560 |
| Noninterest expense to average assets | 2.3035% | 2,784 |
| Loan and lease loss provision to assets | -0.8068% | 4,827 |
| Net operating income to assets | 0.5345% | 4,010 |
| Return on assets (ROA) | 0.5345% | 4,061 |
| Pretax return on assets | 0.7100% | 3,910 |
| Return on Equity (ROE) | 4.7817% | 4,045 |
| Retained earnings to average equity (ytd only) | 4.7817% | 2,876 |
| Net charge-offs to loans | 1.2539% | 49 |
| Credit loss provision to net charge-offs | -188.6792% | 3,496 |
| Earnings coverage of net charge-offs (x) | -0.2264% | 2,652 |
| Efficiency ratio | 104.3876% | 118 |
| Assets per employee ($millions) | 6.5931% | 2,245 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3725% | 341 |
| Loan loss allowance to noncurrent loans | 1,403.5714% | 687 |
| Noncurrent assets plus other real estate owned to assets | 0.0531% | 3,616 |
| Noncurrent loans to loans | 0.1690% | 3,103 |
| Net loans and leases to total assets | 30.6607% | 4,490 |
| Net loans and leases to deposits | 34.5970% | 4,511 |
| Net loans and leases to core deposits | 36.2317% | 4,513 |
| Total domestic deposits to total assets | 88.6226% | 1,718 |
| Equity capital to assets | 10.7574% | 1,967 |
| Core capital (leverage) ratio | 11.5245% | 1,283 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.8394% | 452 |
| Memoranda: | ||
| Average total assets | $49,576,800 | 4,567 |
| Average earning assets | $45,511,600 | 4,556 |
| Average equity | $5,542,000 | 4,578 |
| Average total loans | $16,907,400 | 4,616 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5289% | 4,553 |
| Cost of funding earning assets | 0.2448% | 3,165 |
| Net interest margin | 2.2841% | 4,500 |
| Noninterest income to average assets | 0.1148% | 4,600 |
| Noninterest expense to average assets | 2.2657% | 2,847 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | -0.0437% | 4,756 |
| Return on assets (ROA) | -0.0437% | 4,766 |
| Pretax return on assets | -0.0601% | 4,769 |
| Return on Equity (ROE) | -0.3872% | 4,768 |
| Retained earnings to average equity (ytd only) | -0.3872% | 4,602 |
| Net charge-offs to loans | 1.7026% | 34 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | -0.1014% | 2,411 |
| Efficiency ratio | 102.7261% | 136 |
| Assets per employee ($millions) | 6.0754% | 2,617 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5806% | 46 |
| Loan loss allowance to noncurrent loans | 2,538.7097% | 394 |
| Noncurrent assets plus other real estate owned to assets | 0.0638% | 3,686 |
| Noncurrent loans to loans | 0.1804% | 3,227 |
| Net loans and leases to total assets | 33.7304% | 4,480 |
| Net loans and leases to deposits | 38.3809% | 4,508 |
| Net loans and leases to core deposits | 40.3723% | 4,502 |
| Total domestic deposits to total assets | 87.8835% | 1,913 |
| Equity capital to assets | 11.4293% | 1,722 |
| Core capital (leverage) ratio | 12.3463% | 1,029 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.6019% | 449 |
| Memoranda: | ||
| Average total assets | $48,784,750 | 4,641 |
| Average earning assets | $44,656,250 | 4,631 |
| Average equity | $5,509,000 | 4,649 |
| Average total loans | $16,993,000 | 4,684 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4883% | 4,623 |
| Cost of funding earning assets | 0.2551% | 3,242 |
| Net interest margin | 2.2332% | 4,573 |
| Noninterest income to average assets | 0.1187% | 4,605 |
| Noninterest expense to average assets | 2.2970% | 2,780 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | -0.0983% | 4,802 |
| Return on assets (ROA) | -0.0983% | 4,808 |
| Pretax return on assets | -0.1351% | 4,818 |
| Return on Equity (ROE) | -0.8737% | 4,818 |
| Retained earnings to average equity (ytd only) | -0.8737% | 4,597 |
| Net charge-offs to loans | 2.7761% | 19 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | -0.1404% | 2,201 |
| Efficiency ratio | 106.2500% | 116 |
| Assets per employee ($millions) | 6.2180% | 2,414 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6974% | 44 |
| Loan loss allowance to noncurrent loans | 2,406.2500% | 366 |
| Noncurrent assets plus other real estate owned to assets | 0.0643% | 3,794 |
| Noncurrent loans to loans | 0.1952% | 3,251 |
| Net loans and leases to total assets | 31.4048% | 4,608 |
| Net loans and leases to deposits | 35.5401% | 4,641 |
| Net loans and leases to core deposits | 37.3294% | 4,640 |
| Total domestic deposits to total assets | 88.3644% | 1,639 |
| Equity capital to assets | 10.9702% | 2,002 |
| Core capital (leverage) ratio | 11.0939% | 1,549 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.8355% | 434 |
| Memoranda: | ||
| Average total assets | $48,845,333 | 4,664 |
| Average earning assets | $44,688,667 | 4,654 |
| Average equity | $5,493,667 | 4,677 |
| Average total loans | $16,930,333 | 4,718 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3890% | 4,718 |
| Cost of funding earning assets | 0.2694% | 3,280 |
| Net interest margin | 2.1196% | 4,666 |
| Noninterest income to average assets | 0.1405% | 4,506 |
| Noninterest expense to average assets | 2.4547% | 2,316 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | -0.2645% | 4,858 |
| Return on assets (ROA) | -0.2645% | 4,862 |
| Pretax return on assets | -0.3637% | 4,871 |
| Return on Equity (ROE) | -2.3222% | 4,865 |
| Retained earnings to average equity (ytd only) | -2.3222% | 4,560 |
| Net charge-offs to loans | 5.7211% | 6 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | -0.1789% | 1,894 |
| Efficiency ratio | 117.3913% | 82 |
| Assets per employee ($millions) | 6.2761% | 2,345 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5903% | 53 |
| Loan loss allowance to noncurrent loans | 2,229.4118% | 335 |
| Noncurrent assets plus other real estate owned to assets | 0.0677% | 3,890 |
| Noncurrent loans to loans | 0.2059% | 3,370 |
| Net loans and leases to total assets | 31.3788% | 4,650 |
| Net loans and leases to deposits | 35.4196% | 4,693 |
| Net loans and leases to core deposits | 37.2151% | 4,684 |
| Total domestic deposits to total assets | 88.5917% | 1,563 |
| Equity capital to assets | 10.7590% | 2,031 |
| Core capital (leverage) ratio | 11.7210% | 1,292 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.5503% | 339 |
| Memoranda: | ||
| Average total assets | $48,396,000 | 4,687 |
| Average earning assets | $44,537,000 | 4,674 |
| Average equity | $5,512,000 | 4,693 |
| Average total loans | $17,199,500 | 4,741 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6470% | 3,705 |
| Cost of funding earning assets | 0.3990% | 3,585 |
| Net interest margin | 3.2480% | 3,219 |
| Noninterest income to average assets | 0.1212% | 4,666 |
| Noninterest expense to average assets | 2.5631% | 2,663 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.3910% | 4,268 |
| Return on assets (ROA) | 0.3910% | 4,350 |
| Pretax return on assets | 0.4802% | 4,302 |
| Return on Equity (ROE) | 3.1083% | 4,350 |
| Retained earnings to average equity (ytd only) | 3.1083% | 3,289 |
| Net charge-offs to loans | 0.7662% | 190 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | 1.2883% | 3,270 |
| Efficiency ratio | 84.2224% | 611 |
| Assets per employee ($millions) | 6.6547% | 1,812 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.6133% | 31 |
| Loan loss allowance to noncurrent loans | 186.6171% | 2,454 |
| Noncurrent assets plus other real estate owned to assets | 1.1549% | 771 |
| Noncurrent loans to loans | 3.0079% | 283 |
| Net loans and leases to total assets | 36.2407% | 4,583 |
| Net loans and leases to deposits | 41.5465% | 4,610 |
| Net loans and leases to core deposits | 43.7607% | 4,610 |
| Total domestic deposits to total assets | 87.2292% | 1,828 |
| Equity capital to assets | 12.0688% | 1,531 |
| Core capital (leverage) ratio | 13.2539% | 837 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.2539% | 340 |
| Memoranda: | ||
| Average total assets | $43,735,800 | 4,723 |
| Average earning assets | $39,347,600 | 4,726 |
| Average equity | $5,501,400 | 4,697 |
| Average total loans | $21,273,000 | 4,686 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9211% | 3,185 |
| Cost of funding earning assets | 0.4222% | 3,689 |
| Net interest margin | 3.4988% | 2,589 |
| Noninterest income to average assets | 0.1271% | 4,655 |
| Noninterest expense to average assets | 2.5814% | 2,590 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.5237% | 3,972 |
| Return on assets (ROA) | 0.5237% | 4,069 |
| Pretax return on assets | 0.6787% | 3,946 |
| Return on Equity (ROE) | 4.1184% | 4,131 |
| Retained earnings to average equity (ytd only) | 4.1184% | 2,986 |
| Net charge-offs to loans | 0.8077% | 167 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 1.6343% | 3,057 |
| Efficiency ratio | 79.1825% | 924 |
| Assets per employee ($millions) | 6.2963% | 2,004 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.3086% | 39 |
| Loan loss allowance to noncurrent loans | 228.5398% | 1,989 |
| Noncurrent assets plus other real estate owned to assets | 1.0255% | 1,069 |
| Noncurrent loans to loans | 2.3228% | 474 |
| Net loans and leases to total assets | 41.8070% | 4,508 |
| Net loans and leases to deposits | 48.3647% | 4,542 |
| Net loans and leases to core deposits | 51.1209% | 4,550 |
| Total domestic deposits to total assets | 86.4410% | 1,883 |
| Equity capital to assets | 12.7581% | 1,303 |
| Core capital (leverage) ratio | 12.5138% | 1,110 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.9811% | 366 |
| Memoranda: | ||
| Average total assets | $43,024,000 | 4,754 |
| Average earning assets | $38,526,000 | 4,758 |
| Average equity | $5,471,250 | 4,722 |
| Average total loans | $22,119,750 | 4,710 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1957% | 2,779 |
| Cost of funding earning assets | 0.4463% | 3,810 |
| Net interest margin | 3.7493% | 1,996 |
| Noninterest income to average assets | 0.1359% | 4,623 |
| Noninterest expense to average assets | 2.6761% | 2,454 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.6046% | 3,722 |
| Return on assets (ROA) | 0.6046% | 3,801 |
| Pretax return on assets | 0.8061% | 3,565 |
| Return on Equity (ROE) | 4.7596% | 3,895 |
| Retained earnings to average equity (ytd only) | 4.7596% | 2,582 |
| Net charge-offs to loans | 1.2344% | 107 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 1.2113% | 2,872 |
| Efficiency ratio | 76.8506% | 1,174 |
| Assets per employee ($millions) | 6.3310% | 1,927 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8240% | 43 |
| Loan loss allowance to noncurrent loans | 158.6687% | 2,510 |
| Noncurrent assets plus other real estate owned to assets | 1.4577% | 653 |
| Noncurrent loans to loans | 3.0403% | 314 |
| Net loans and leases to total assets | 45.6326% | 4,381 |
| Net loans and leases to deposits | 52.6490% | 4,421 |
| Net loans and leases to core deposits | 55.6234% | 4,443 |
| Total domestic deposits to total assets | 86.6733% | 1,742 |
| Equity capital to assets | 12.5663% | 1,350 |
| Core capital (leverage) ratio | 14.2126% | 709 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.2434% | 556 |
| Memoranda: | ||
| Average total assets | $42,674,000 | 4,779 |
| Average earning assets | $38,087,000 | 4,785 |
| Average equity | $5,420,667 | 4,753 |
| Average total loans | $23,006,667 | 4,710 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6059% | 1,984 |
| Cost of funding earning assets | 0.5165% | 3,865 |
| Net interest margin | 4.0893% | 1,154 |
| Noninterest income to average assets | 0.1911% | 4,409 |
| Noninterest expense to average assets | 2.9341% | 2,039 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.4683% | 3,976 |
| Return on assets (ROA) | 0.4683% | 4,032 |
| Pretax return on assets | 0.8888% | 3,168 |
| Return on Equity (ROE) | 3.6659% | 4,048 |
| Retained earnings to average equity (ytd only) | 3.6659% | 2,819 |
| Net charge-offs to loans | -0.4521% | 5,015 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.7500% | 1,479 |
| Assets per employee ($millions) | 6.1630% | 1,550 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2708% | 36 |
| Loan loss allowance to noncurrent loans | 164.4628% | 2,382 |
| Noncurrent assets plus other real estate owned to assets | 1.6829% | 585 |
| Noncurrent loans to loans | 3.2049% | 312 |
| Net loans and leases to total assets | 49.7415% | 4,254 |
| Net loans and leases to deposits | 57.3939% | 4,306 |
| Net loans and leases to core deposits | 61.1524% | 4,306 |
| Total domestic deposits to total assets | 86.6670% | 1,708 |
| Equity capital to assets | 12.5820% | 1,684 |
| Core capital (leverage) ratio | 12.8000% | 1,286 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.1180% | 629 |
| Memoranda: | ||
| Average total assets | $41,852,500 | 4,813 |
| Average earning assets | $37,170,000 | 4,826 |
| Average equity | $5,346,500 | 4,797 |
| Average total loans | $23,886,000 | 4,722 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1456% | 1,119 |
| Cost of funding earning assets | 0.4977% | 4,098 |
| Net interest margin | 4.6479% | 526 |
| Noninterest income to average assets | 0.2444% | 4,219 |
| Noninterest expense to average assets | 2.2854% | 3,976 |
| Loan and lease loss provision to assets | 1.7638% | 52 |
| Net operating income to assets | 0.0731% | 4,941 |
| Return on assets (ROA) | 0.0731% | 4,957 |
| Pretax return on assets | 0.5014% | 4,576 |
| Return on Equity (ROE) | 0.5437% | 4,959 |
| Retained earnings to average equity (ytd only) | -4.5182% | 4,965 |
| Net charge-offs to loans | 0.3044% | 683 |
| Credit loss provision to net charge-offs | 853.6585% | 387 |
| Earnings coverage of net charge-offs (x) | 10.9634% | 2,531 |
| Efficiency ratio | 50.2215% | 4,718 |
| Assets per employee ($millions) | 5.0705% | 2,488 |
| Cash dividends to net income (ytd only)* | 931.0345% | 9 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6459% | 41 |
| Loan loss allowance to noncurrent loans | 132.9157% | 2,794 |
| Noncurrent assets plus other real estate owned to assets | 2.4455% | 267 |
| Noncurrent loans to loans | 3.4954% | 237 |
| Net loans and leases to total assets | 59.0474% | 3,669 |
| Net loans and leases to deposits | 68.4597% | 3,782 |
| Net loans and leases to core deposits | 73.2701% | 3,778 |
| Total domestic deposits to total assets | 86.2514% | 1,956 |
| Equity capital to assets | 12.9795% | 1,538 |
| Core capital (leverage) ratio | 13.1434% | 1,180 |
| Tier 1 risk-based capital ratio | 17.9910% | 1,763 |
| Total risk-based capital ratio | 19.2758% | 1,708 |
| Memoranda: | ||
| Average total assets | $39,686,400 | 4,895 |
| Average earning assets | $36,769,200 | 4,881 |
| Average equity | $5,334,000 | 4,844 |
| Average total loans | $26,936,800 | 4,709 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9765% | 1,607 |
| Cost of funding earning assets | 0.4908% | 4,180 |
| Net interest margin | 4.4857% | 795 |
| Noninterest income to average assets | 0.2534% | 4,222 |
| Noninterest expense to average assets | 2.2499% | 4,069 |
| Loan and lease loss provision to assets | 2.3648% | 35 |
| Net operating income to assets | -0.1385% | 5,093 |
| Return on assets (ROA) | -0.1385% | 5,100 |
| Pretax return on assets | -0.1622% | 5,100 |
| Return on Equity (ROE) | -1.0216% | 5,098 |
| Retained earnings to average equity (ytd only) | -7.7488% | 5,120 |
| Net charge-offs to loans | 0.5160% | 328 |
| Credit loss provision to net charge-offs | 660.3774% | 505 |
| Earnings coverage of net charge-offs (x) | 6.1509% | 2,859 |
| Efficiency ratio | 50.5311% | 4,709 |
| Assets per employee ($millions) | 6.4570% | 1,294 |
| Cash dividends to net income (ytd only)* | -658.4781% | 5,253 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1664% | 56 |
| Loan loss allowance to noncurrent loans | 75.0492% | 3,739 |
| Noncurrent assets plus other real estate owned to assets | 4.2254% | 99 |
| Noncurrent loans to loans | 5.5515% | 85 |
| Net loans and leases to total assets | 67.8618% | 2,806 |
| Net loans and leases to deposits | 79.0921% | 3,000 |
| Net loans and leases to core deposits | 83.2890% | 3,156 |
| Total domestic deposits to total assets | 85.8009% | 2,080 |
| Equity capital to assets | 13.4144% | 1,393 |
| Core capital (leverage) ratio | 13.1446% | 1,283 |
| Tier 1 risk-based capital ratio | 17.5629% | 1,928 |
| Total risk-based capital ratio | 18.8443% | 1,886 |
| Memoranda: | ||
| Average total assets | $39,467,000 | 4,972 |
| Average earning assets | $36,946,250 | 4,954 |
| Average equity | $5,351,250 | 4,907 |
| Average total loans | $27,391,250 | 4,764 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0743% | 1,290 |
| Cost of funding earning assets | 0.4691% | 4,245 |
| Net interest margin | 4.6053% | 609 |
| Noninterest income to average assets | 0.2267% | 4,390 |
| Noninterest expense to average assets | 2.3269% | 3,938 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.6873% | 741 |
| Return on assets (ROA) | 1.6873% | 771 |
| Pretax return on assets | 2.2514% | 390 |
| Return on Equity (ROE) | 12.4013% | 1,445 |
| Retained earnings to average equity (ytd only) | 2.4062% | 3,980 |
| Net charge-offs to loans | -0.1169% | 5,033 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.8251% | 4,738 |
| Assets per employee ($millions) | 6.6047% | 1,185 |
| Cash dividends to net income (ytd only)* | 80.5970% | 816 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9967% | 483 |
| Loan loss allowance to noncurrent loans | 39.9858% | 4,383 |
| Noncurrent assets plus other real estate owned to assets | 3.5657% | 138 |
| Noncurrent loans to loans | 4.9935% | 105 |
| Net loans and leases to total assets | 69.9808% | 2,532 |
| Net loans and leases to deposits | 82.2079% | 2,707 |
| Net loans and leases to core deposits | 86.5030% | 2,926 |
| Total domestic deposits to total assets | 85.1267% | 2,420 |
| Equity capital to assets | 14.0381% | 1,100 |
| Core capital (leverage) ratio | 16.1759% | 528 |
| Tier 1 risk-based capital ratio | 17.6349% | 1,901 |
| Total risk-based capital ratio | 18.8916% | 1,853 |
| Memoranda: | ||
| Average total assets | $39,708,670 | 5,013 |
| Average earning assets | $37,522,330 | 4,984 |
| Average equity | $5,402,670 | 4,935 |
| Average total loans | $27,377,000 | 4,801 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1850% | 936 |
| Cost of funding earning assets | 0.4444% | 4,317 |
| Net interest margin | 4.7406% | 453 |
| Noninterest income to average assets | 0.2214% | 4,420 |
| Noninterest expense to average assets | 2.5158% | 3,456 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.6504% | 811 |
| Return on assets (ROA) | 1.6504% | 839 |
| Pretax return on assets | 2.2139% | 436 |
| Return on Equity (ROE) | 12.3250% | 1,435 |
| Retained earnings to average equity (ytd only) | -7.9662% | 5,028 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.1915% | 4,604 |
| Assets per employee ($millions) | 6.7342% | 1,122 |
| Cash dividends to net income (ytd only)* | 164.6341% | 281 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0697% | 437 |
| Loan loss allowance to noncurrent loans | 93.3673% | 3,477 |
| Noncurrent assets plus other real estate owned to assets | 1.4553% | 834 |
| Noncurrent loans to loans | 2.2168% | 637 |
| Net loans and leases to total assets | 64.2891% | 3,247 |
| Net loans and leases to deposits | 74.6673% | 3,388 |
| Net loans and leases to core deposits | 78.4442% | 3,486 |
| Total domestic deposits to total assets | 86.1007% | 2,230 |
| Equity capital to assets | 13.1642% | 1,363 |
| Core capital (leverage) ratio | 13.3563% | 1,132 |
| Tier 1 risk-based capital ratio | 17.4142% | 1,967 |
| Total risk-based capital ratio | 18.6682% | 1,916 |
| Memoranda: | ||
| Average total assets | $39,749,000 | 5,063 |
| Average earning assets | $37,801,500 | 5,034 |
| Average equity | $5,322,500 | 4,988 |
| Average total loans | $26,917,000 | 4,867 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4663% | 2,559 |
| Cost of funding earning assets | 0.3706% | 4,154 |
| Net interest margin | 4.0956% | 1,691 |
| Noninterest income to average assets | 0.1921% | 4,754 |
| Noninterest expense to average assets | 2.1130% | 4,531 |
| Loan and lease loss provision to assets | 0.2527% | 677 |
| Net operating income to assets | 1.3194% | 1,723 |
| Return on assets (ROA) | 1.3194% | 1,713 |
| Pretax return on assets | 1.7364% | 1,078 |
| Return on Equity (ROE) | 10.0764% | 2,485 |
| Retained earnings to average equity (ytd only) | 4.8645% | 2,854 |
| Net charge-offs to loans | 0.2018% | 948 |
| Credit loss provision to net charge-offs | 192.3077% | 1,489 |
| Earnings coverage of net charge-offs (x) | 15.1346% | 2,344 |
| Efficiency ratio | 51.5096% | 4,838 |
| Assets per employee ($millions) | 6.5155% | 1,210 |
| Cash dividends to net income (ytd only)* | 51.7241% | 1,873 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0103% | 461 |
| Loan loss allowance to noncurrent loans | 62.6712% | 4,065 |
| Noncurrent assets plus other real estate owned to assets | 2.2408% | 379 |
| Noncurrent loans to loans | 3.2077% | 297 |
| Net loans and leases to total assets | 68.4522% | 2,814 |
| Net loans and leases to deposits | 79.9450% | 2,962 |
| Net loans and leases to core deposits | 84.1562% | 3,076 |
| Total domestic deposits to total assets | 85.6240% | 2,387 |
| Equity capital to assets | 13.6239% | 1,099 |
| Core capital (leverage) ratio | 14.2746% | 847 |
| Tier 1 risk-based capital ratio | 18.0634% | 1,740 |
| Total risk-based capital ratio | 19.3171% | 1,699 |
| Memoranda: | ||
| Average total assets | $39,564,800 | 5,104 |
| Average earning assets | $37,771,800 | 5,078 |
| Average equity | $5,180,400 | 5,024 |
| Average total loans | $25,766,800 | 4,916 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3627% | 2,754 |
| Cost of funding earning assets | 0.3615% | 4,104 |
| Net interest margin | 4.0012% | 1,951 |
| Noninterest income to average assets | 0.1982% | 4,787 |
| Noninterest expense to average assets | 2.1571% | 4,413 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.4044% | 1,473 |
| Return on assets (ROA) | 1.4044% | 1,471 |
| Pretax return on assets | 1.8715% | 856 |
| Return on Equity (ROE) | 10.8344% | 2,245 |
| Retained earnings to average equity (ytd only) | 3.8361% | 3,862 |
| Net charge-offs to loans | -0.0788% | 5,090 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.5446% | 4,649 |
| Assets per employee ($millions) | 6.2427% | 1,322 |
| Cash dividends to net income (ytd only)* | 64.5931% | 1,028 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9615% | 522 |
| Loan loss allowance to noncurrent loans | 37.3642% | 4,621 |
| Noncurrent assets plus other real estate owned to assets | 3.6870% | 148 |
| Noncurrent loans to loans | 5.2498% | 114 |
| Net loans and leases to total assets | 68.8541% | 2,812 |
| Net loans and leases to deposits | 80.7426% | 2,955 |
| Net loans and leases to core deposits | 85.2111% | 3,070 |
| Total domestic deposits to total assets | 85.2761% | 2,499 |
| Equity capital to assets | 13.9283% | 980 |
| Core capital (leverage) ratio | 15.9930% | 517 |
| Tier 1 risk-based capital ratio | 18.9082% | 1,558 |
| Total risk-based capital ratio | 20.1663% | 1,527 |
| Memoranda: | ||
| Average total assets | $39,682,750 | 5,167 |
| Average earning assets | $37,988,000 | 5,138 |
| Average equity | $5,144,000 | 5,090 |
| Average total loans | $25,381,250 | 4,984 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2902% | 2,799 |
| Cost of funding earning assets | 0.3411% | 4,128 |
| Net interest margin | 3.9491% | 2,034 |
| Noninterest income to average assets | 0.2078% | 4,768 |
| Noninterest expense to average assets | 2.1868% | 4,398 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.3408% | 1,634 |
| Return on assets (ROA) | 1.3408% | 1,642 |
| Pretax return on assets | 1.8009% | 962 |
| Return on Equity (ROE) | 10.5866% | 2,286 |
| Retained earnings to average equity (ytd only) | 0.0391% | 4,950 |
| Net charge-offs to loans | -0.0080% | 4,238 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.8387% | 4,603 |
| Assets per employee ($millions) | 6.8107% | 1,011 |
| Cash dividends to net income (ytd only)* | 99.6310% | 387 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9837% | 533 |
| Loan loss allowance to noncurrent loans | 58.1503% | 4,257 |
| Noncurrent assets plus other real estate owned to assets | 2.1168% | 487 |
| Noncurrent loans to loans | 3.4113% | 291 |
| Net loans and leases to total assets | 60.8213% | 3,726 |
| Net loans and leases to deposits | 69.9994% | 3,857 |
| Net loans and leases to core deposits | 73.4652% | 3,913 |
| Total domestic deposits to total assets | 86.8882% | 1,886 |
| Equity capital to assets | 12.4217% | 1,584 |
| Core capital (leverage) ratio | 13.0193% | 1,208 |
| Tier 1 risk-based capital ratio | 18.1036% | 1,770 |
| Total risk-based capital ratio | 19.3595% | 1,729 |
| Memoranda: | ||
| Average total assets | $40,425,000 | 5,215 |
| Average earning assets | $38,692,670 | 5,183 |
| Average equity | $5,119,670 | 5,147 |
| Average total loans | $25,073,000 | 5,053 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3582% | 2,328 |
| Cost of funding earning assets | 0.3217% | 4,191 |
| Net interest margin | 4.0365% | 1,605 |
| Noninterest income to average assets | 0.2288% | 4,636 |
| Noninterest expense to average assets | 2.5867% | 3,372 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.1441% | 2,245 |
| Return on assets (ROA) | 1.1441% | 2,258 |
| Pretax return on assets | 1.5122% | 1,655 |
| Return on Equity (ROE) | 8.9468% | 2,929 |
| Retained earnings to average equity (ytd only) | -12.0587% | 5,407 |
| Net charge-offs to loans | -0.0160% | 4,445 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1068% | 3,615 |
| Assets per employee ($millions) | 6.7633% | 1,061 |
| Cash dividends to net income (ytd only)* | 234.7826% | 139 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0428% | 493 |
| Loan loss allowance to noncurrent loans | 75.4887% | 3,930 |
| Noncurrent assets plus other real estate owned to assets | 1.6387% | 818 |
| Noncurrent loans to loans | 2.7061% | 471 |
| Net loans and leases to total assets | 59.3199% | 3,812 |
| Net loans and leases to deposits | 68.3262% | 3,925 |
| Net loans and leases to core deposits | 71.7368% | 3,983 |
| Total domestic deposits to total assets | 86.8186% | 2,196 |
| Equity capital to assets | 12.2474% | 1,638 |
| Core capital (leverage) ratio | 12.0870% | 1,601 |
| Tier 1 risk-based capital ratio | 17.8781% | 1,870 |
| Total risk-based capital ratio | 19.1332% | 1,819 |
| Memoranda: | ||
| Average total assets | $40,205,500 | 5,274 |
| Average earning assets | $38,548,000 | 5,248 |
| Average equity | $5,141,500 | 5,198 |
| Average total loans | $24,931,000 | 5,109 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1859% | 2,740 |
| Cost of funding earning assets | 0.2836% | 4,286 |
| Net interest margin | 3.9022% | 2,084 |
| Noninterest income to average assets | 0.2177% | 4,849 |
| Noninterest expense to average assets | 2.2631% | 4,417 |
| Loan and lease loss provision to assets | 0.0787% | 2,621 |
| Net operating income to assets | 1.0149% | 2,175 |
| Return on assets (ROA) | 1.0149% | 2,211 |
| Pretax return on assets | 1.5918% | 1,314 |
| Return on Equity (ROE) | 7.4667% | 3,054 |
| Retained earnings to average equity (ytd only) | 2.8362% | 3,617 |
| Net charge-offs to loans | 0.0119% | 3,663 |
| Credit loss provision to net charge-offs | 1,000.0000% | 353 |
| Earnings coverage of net charge-offs (x) | 212.3333% | 380 |
| Efficiency ratio | 57.5333% | 4,583 |
| Assets per employee ($millions) | 5.6901% | 1,757 |
| Cash dividends to net income (ytd only)* | 62.0155% | 1,660 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9812% | 557 |
| Loan loss allowance to noncurrent loans | 44.5730% | 4,599 |
| Noncurrent assets plus other real estate owned to assets | 2.8219% | 303 |
| Noncurrent loans to loans | 4.4448% | 190 |
| Net loans and leases to total assets | 62.2304% | 3,588 |
| Net loans and leases to deposits | 72.5211% | 3,646 |
| Net loans and leases to core deposits | 76.2583% | 3,720 |
| Total domestic deposits to total assets | 85.8100% | 2,530 |
| Equity capital to assets | 13.3389% | 1,118 |
| Core capital (leverage) ratio | 15.2826% | 573 |
| Tier 1 risk-based capital ratio | 18.7295% | 1,579 |
| Total risk-based capital ratio | 19.9845% | 1,535 |
| Memoranda: | ||
| Average total assets | $38,132,800 | 5,358 |
| Average earning assets | $36,312,600 | 5,331 |
| Average equity | $5,183,000 | 5,241 |
| Average total loans | $25,171,200 | 5,152 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1814% | 2,675 |
| Cost of funding earning assets | 0.2785% | 4,332 |
| Net interest margin | 3.9029% | 2,032 |
| Noninterest income to average assets | 0.2192% | 4,910 |
| Noninterest expense to average assets | 2.3690% | 4,094 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.9405% | 2,824 |
| Return on assets (ROA) | 0.9405% | 2,890 |
| Pretax return on assets | 1.5664% | 1,526 |
| Return on Equity (ROE) | 6.8859% | 3,728 |
| Retained earnings to average equity (ytd only) | 0.6731% | 5,070 |
| Net charge-offs to loans | -0.0318% | 5,016 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1977% | 4,179 |
| Assets per employee ($millions) | 6.3922% | 1,254 |
| Cash dividends to net income (ytd only)* | 90.2244% | 440 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8689% | 752 |
| Loan loss allowance to noncurrent loans | 67.3212% | 4,191 |
| Noncurrent assets plus other real estate owned to assets | 1.8590% | 724 |
| Noncurrent loans to loans | 2.7762% | 496 |
| Net loans and leases to total assets | 65.7132% | 3,147 |
| Net loans and leases to deposits | 76.6491% | 3,308 |
| Net loans and leases to core deposits | 80.7633% | 3,388 |
| Total domestic deposits to total assets | 85.7325% | 2,416 |
| Equity capital to assets | 13.6495% | 1,097 |
| Core capital (leverage) ratio | 15.0338% | 658 |
| Tier 1 risk-based capital ratio | 17.6166% | 1,969 |
| Total risk-based capital ratio | 18.8689% | 1,909 |
| Memoranda: | ||
| Average total assets | $37,708,250 | 5,425 |
| Average earning assets | $35,904,500 | 5,392 |
| Average equity | $5,150,500 | 5,305 |
| Average total loans | $25,142,000 | 5,207 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1625% | 2,620 |
| Cost of funding earning assets | 0.2640% | 4,427 |
| Net interest margin | 3.8985% | 1,933 |
| Noninterest income to average assets | 0.2134% | 4,977 |
| Noninterest expense to average assets | 2.5071% | 3,725 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.8482% | 3,164 |
| Return on assets (ROA) | 0.8482% | 3,213 |
| Pretax return on assets | 1.4083% | 1,989 |
| Return on Equity (ROE) | 6.2081% | 3,953 |
| Retained earnings to average equity (ytd only) | -3.1626% | 5,443 |
| Net charge-offs to loans | -0.0401% | 5,077 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0327% | 3,660 |
| Assets per employee ($millions) | 6.4632% | 1,180 |
| Cash dividends to net income (ytd only)* | 150.9434% | 155 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9288% | 686 |
| Loan loss allowance to noncurrent loans | 58.6291% | 4,399 |
| Noncurrent assets plus other real estate owned to assets | 2.1068% | 583 |
| Noncurrent loans to loans | 3.2898% | 366 |
| Net loans and leases to total assets | 62.8046% | 3,535 |
| Net loans and leases to deposits | 72.8821% | 3,660 |
| Net loans and leases to core deposits | 76.7280% | 3,707 |
| Total domestic deposits to total assets | 86.1729% | 2,303 |
| Equity capital to assets | 13.2572% | 1,249 |
| Core capital (leverage) ratio | 13.8065% | 910 |
| Tier 1 risk-based capital ratio | 17.5019% | 2,011 |
| Total risk-based capital ratio | 18.7581% | 1,960 |
| Memoranda: | ||
| Average total assets | $37,493,330 | 5,474 |
| Average earning assets | $35,603,670 | 5,441 |
| Average equity | $5,122,330 | 5,341 |
| Average total loans | $24,961,670 | 5,249 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1456% | 2,490 |
| Cost of funding earning assets | 0.2512% | 4,526 |
| Net interest margin | 3.8943% | 1,798 |
| Noninterest income to average assets | 0.2605% | 4,670 |
| Noninterest expense to average assets | 2.9091% | 2,433 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.7815% | 3,300 |
| Return on assets (ROA) | 0.7815% | 3,355 |
| Pretax return on assets | 1.0529% | 3,161 |
| Return on Equity (ROE) | 5.6327% | 4,068 |
| Retained earnings to average equity (ytd only) | -13.1430% | 5,641 |
| Net charge-offs to loans | 0.0160% | 2,477 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 97.0000% | 551 |
| Efficiency ratio | 73.4247% | 2,337 |
| Assets per employee ($millions) | 6.2322% | 1,344 |
| Cash dividends to net income (ytd only)* | 333.3333% | 86 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8801% | 817 |
| Loan loss allowance to noncurrent loans | 59.9493% | 4,424 |
| Noncurrent assets plus other real estate owned to assets | 2.1100% | 609 |
| Noncurrent loans to loans | 3.1362% | 420 |
| Net loans and leases to total assets | 66.0150% | 2,969 |
| Net loans and leases to deposits | 76.9507% | 3,085 |
| Net loans and leases to core deposits | 81.1900% | 3,177 |
| Total domestic deposits to total assets | 85.7888% | 2,759 |
| Equity capital to assets | 13.5159% | 1,065 |
| Core capital (leverage) ratio | 13.5369% | 966 |
| Tier 1 risk-based capital ratio | 17.7141% | 1,974 |
| Total risk-based capital ratio | 18.9688% | 1,925 |
| Memoranda: | ||
| Average total assets | $36,850,500 | 5,548 |
| Average earning assets | $35,025,500 | 5,515 |
| Average equity | $5,113,000 | 5,398 |
| Average total loans | $25,025,500 | 5,297 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1946% | 2,505 |
| Cost of funding earning assets | 0.2026% | 4,991 |
| Net interest margin | 3.9920% | 1,652 |
| Noninterest income to average assets | 0.2033% | 5,198 |
| Noninterest expense to average assets | 2.4821% | 4,070 |
| Loan and lease loss provision to assets | 0.1284% | 1,933 |
| Net operating income to assets | 0.8880% | 2,886 |
| Return on assets (ROA) | 0.8880% | 3,004 |
| Pretax return on assets | 1.3882% | 1,990 |
| Return on Equity (ROE) | 6.5113% | 3,735 |
| Retained earnings to average equity (ytd only) | 0.6276% | 5,077 |
| Net charge-offs to loans | 0.0391% | 3,245 |
| Credit loss provision to net charge-offs | 480.0000% | 685 |
| Earnings coverage of net charge-offs (x) | 56.7000% | 934 |
| Efficiency ratio | 62.0736% | 4,233 |
| Assets per employee ($millions) | 6.0513% | 1,439 |
| Cash dividends to net income (ytd only)* | 90.3614% | 577 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9041% | 797 |
| Loan loss allowance to noncurrent loans | 146.2963% | 2,856 |
| Noncurrent assets plus other real estate owned to assets | 0.8924% | 2,126 |
| Noncurrent loans to loans | 1.3016% | 1,575 |
| Net loans and leases to total assets | 67.2552% | 2,892 |
| Net loans and leases to deposits | 79.1463% | 2,979 |
| Net loans and leases to core deposits | 83.6898% | 3,054 |
| Total domestic deposits to total assets | 84.9758% | 3,059 |
| Equity capital to assets | 14.2448% | 810 |
| Core capital (leverage) ratio | 13.8753% | 849 |
| Tier 1 risk-based capital ratio | 18.9719% | 1,607 |
| Total risk-based capital ratio | 20.2250% | 1,569 |
| Memoranda: | ||
| Average total assets | $37,387,200 | 5,584 |
| Average earning assets | $35,545,800 | 5,553 |
| Average equity | $5,098,800 | 5,452 |
| Average total loans | $25,586,400 | 5,328 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0179% | 3,154 |
| Cost of funding earning assets | 0.2009% | 5,055 |
| Net interest margin | 3.8170% | 2,271 |
| Noninterest income to average assets | 0.2195% | 5,153 |
| Noninterest expense to average assets | 2.5351% | 3,880 |
| Loan and lease loss provision to assets | 0.0637% | 2,965 |
| Net operating income to assets | 0.8356% | 3,215 |
| Return on assets (ROA) | 0.8356% | 3,337 |
| Pretax return on assets | 1.2534% | 2,609 |
| Return on Equity (ROE) | 6.1935% | 3,978 |
| Retained earnings to average equity (ytd only) | -1.6796% | 5,575 |
| Net charge-offs to loans | 0.0362% | 2,903 |
| Credit loss provision to net charge-offs | 257.1429% | 1,173 |
| Earnings coverage of net charge-offs (x) | 53.1608% | 1,027 |
| Efficiency ratio | 65.8088% | 3,621 |
| Assets per employee ($millions) | 6.0597% | 1,389 |
| Cash dividends to net income (ytd only)* | 127.1182% | 189 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7100% | 1,198 |
| Loan loss allowance to noncurrent loans | 56.8702% | 4,584 |
| Noncurrent assets plus other real estate owned to assets | 2.1618% | 689 |
| Noncurrent loans to loans | 3.0069% | 495 |
| Net loans and leases to total assets | 70.6667% | 2,396 |
| Net loans and leases to deposits | 83.2674% | 2,575 |
| Net loans and leases to core deposits | 88.0470% | 2,754 |
| Total domestic deposits to total assets | 84.8672% | 2,866 |
| Equity capital to assets | 14.2032% | 965 |
| Core capital (leverage) ratio | 13.8146% | 901 |
| Tier 1 risk-based capital ratio | 17.7001% | 2,006 |
| Total risk-based capital ratio | 18.9542% | 1,964 |
| Memoranda: | ||
| Average total assets | $37,657,000 | 5,639 |
| Average earning assets | $35,839,000 | 5,606 |
| Average equity | $5,080,500 | 5,513 |
| Average total loans | $25,759,750 | 5,377 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9503% | 3,427 |
| Cost of funding earning assets | 0.1876% | 5,255 |
| Net interest margin | 3.7627% | 2,465 |
| Noninterest income to average assets | 0.3962% | 3,899 |
| Noninterest expense to average assets | 2.6534% | 3,540 |
| Loan and lease loss provision to assets | 0.2346% | 852 |
| Net operating income to assets | 0.6673% | 3,969 |
| Return on assets (ROA) | 0.6673% | 4,106 |
| Pretax return on assets | 1.0635% | 3,347 |
| Return on Equity (ROE) | 4.8275% | 4,590 |
| Retained earnings to average equity (ytd only) | -6.4869% | 5,803 |
| Net charge-offs to loans | -0.0236% | 5,018 |
| Credit loss provision to net charge-offs | -1,500.0000% | 5,163 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1504% | 3,511 |
| Assets per employee ($millions) | 5.2503% | 2,036 |
| Cash dividends to net income (ytd only)* | 234.3750% | 82 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2840% | 5,944 |
| Loan loss allowance to noncurrent loans | 10.0418% | 5,487 |
| Noncurrent assets plus other real estate owned to assets | 1.9509% | 846 |
| Noncurrent loans to loans | 2.8283% | 551 |
| Net loans and leases to total assets | 68.7827% | 2,665 |
| Net loans and leases to deposits | 81.1994% | 2,791 |
| Net loans and leases to core deposits | 85.8166% | 2,918 |
| Total domestic deposits to total assets | 84.7083% | 3,000 |
| Equity capital to assets | 14.4863% | 876 |
| Core capital (leverage) ratio | 14.2087% | 769 |
| Tier 1 risk-based capital ratio | 18.0695% | 1,914 |
| Total risk-based capital ratio | 18.3139% | 2,150 |
| Memoranda: | ||
| Average total assets | $38,365,330 | 5,691 |
| Average earning assets | $36,250,330 | 5,658 |
| Average equity | $5,303,000 | 5,525 |
| Average total loans | $25,374,000 | 5,447 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1192% | 2,777 |
| Cost of funding earning assets | 0.1843% | 5,336 |
| Net interest margin | 3.9350% | 1,831 |
| Noninterest income to average assets | 0.4187% | 3,693 |
| Noninterest expense to average assets | 2.9817% | 2,451 |
| Loan and lease loss provision to assets | 0.1634% | 1,267 |
| Net operating income to assets | 0.6740% | 3,856 |
| Return on assets (ROA) | 0.6740% | 3,977 |
| Pretax return on assets | 0.9803% | 3,551 |
| Return on Equity (ROE) | 4.9882% | 4,489 |
| Retained earnings to average equity (ytd only) | -17.6854% | 5,939 |
| Net charge-offs to loans | -0.0473% | 5,297 |
| Credit loss provision to net charge-offs | -533.3333% | 4,588 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2772% | 2,758 |
| Assets per employee ($millions) | 6.4793% | 1,118 |
| Cash dividends to net income (ytd only)* | 454.5455% | 52 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1735% | 6,046 |
| Loan loss allowance to noncurrent loans | 5.2184% | 5,528 |
| Noncurrent assets plus other real estate owned to assets | 2.1196% | 796 |
| Noncurrent loans to loans | 3.3255% | 436 |
| Net loans and leases to total assets | 63.6254% | 3,291 |
| Net loans and leases to deposits | 74.2102% | 3,412 |
| Net loans and leases to core deposits | 78.1368% | 3,479 |
| Total domestic deposits to total assets | 85.7367% | 2,793 |
| Equity capital to assets | 13.2730% | 1,279 |
| Core capital (leverage) ratio | 13.9294% | 830 |
| Tier 1 risk-based capital ratio | 16.0259% | 2,667 |
| Total risk-based capital ratio | 16.1607% | 3,137 |
| Memoranda: | ||
| Average total assets | $39,172,000 | 5,728 |
| Average earning assets | $36,900,000 | 5,704 |
| Average equity | $5,292,500 | 5,557 |
| Average total loans | $25,385,500 | 5,498 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0630% | 3,061 |
| Cost of funding earning assets | 0.1692% | 5,543 |
| Net interest margin | 3.8938% | 2,052 |
| Noninterest income to average assets | 0.1902% | 5,453 |
| Noninterest expense to average assets | 2.4261% | 4,451 |
| Loan and lease loss provision to assets | 0.1631% | 1,410 |
| Net operating income to assets | 0.8375% | 3,170 |
| Return on assets (ROA) | 0.8375% | 3,237 |
| Pretax return on assets | 1.2402% | 2,504 |
| Return on Equity (ROE) | 6.6688% | 3,702 |
| Retained earnings to average equity (ytd only) | 6.6688% | 1,458 |
| Net charge-offs to loans | 0.0042% | 4,305 |
| Credit loss provision to net charge-offs | 6,600.0000% | 51 |
| Earnings coverage of net charge-offs (x) | 568.0000% | 113 |
| Efficiency ratio | 63.3548% | 4,387 |
| Assets per employee ($millions) | 6.5780% | 1,062 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6774% | 1,402 |
| Loan loss allowance to noncurrent loans | 63.9296% | 4,542 |
| Noncurrent assets plus other real estate owned to assets | 1.7280% | 1,111 |
| Noncurrent loans to loans | 2.6238% | 680 |
| Net loans and leases to total assets | 64.7537% | 3,153 |
| Net loans and leases to deposits | 76.0625% | 3,244 |
| Net loans and leases to core deposits | 80.0532% | 3,340 |
| Total domestic deposits to total assets | 85.1323% | 3,025 |
| Equity capital to assets | 13.7453% | 1,022 |
| Core capital (leverage) ratio | 13.5669% | 943 |
| Tier 1 risk-based capital ratio | 18.1262% | 1,928 |
| Total risk-based capital ratio | 19.3792% | 1,889 |
| Memoranda: | ||
| Average total assets | $40,477,200 | 5,755 |
| Average earning assets | $37,829,200 | 5,733 |
| Average equity | $5,083,400 | 5,637 |
| Average total loans | $23,883,000 | 5,590 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0846% | 3,004 |
| Cost of funding earning assets | 0.1718% | 5,615 |
| Net interest margin | 3.9128% | 1,989 |
| Noninterest income to average assets | 0.1899% | 5,528 |
| Noninterest expense to average assets | 2.3799% | 4,570 |
| Loan and lease loss provision to assets | 0.0982% | 2,212 |
| Net operating income to assets | 0.9231% | 2,841 |
| Return on assets (ROA) | 0.9231% | 2,934 |
| Pretax return on assets | 1.3651% | 2,158 |
| Return on Equity (ROE) | 7.5228% | 3,321 |
| Retained earnings to average equity (ytd only) | 7.5228% | 1,434 |
| Net charge-offs to loans | -0.0343% | 5,406 |
| Credit loss provision to net charge-offs | -500.0000% | 5,355 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9250% | 4,583 |
| Assets per employee ($millions) | 6.9412% | 890 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6236% | 1,704 |
| Loan loss allowance to noncurrent loans | 58.9001% | 4,726 |
| Noncurrent assets plus other real estate owned to assets | 1.6592% | 1,319 |
| Noncurrent loans to loans | 2.7565% | 685 |
| Net loans and leases to total assets | 59.2143% | 3,978 |
| Net loans and leases to deposits | 68.3414% | 4,157 |
| Net loans and leases to core deposits | 71.6681% | 4,216 |
| Total domestic deposits to total assets | 86.6449% | 2,213 |
| Equity capital to assets | 12.2794% | 1,888 |
| Core capital (leverage) ratio | 13.1367% | 1,159 |
| Tier 1 risk-based capital ratio | 15.1347% | 3,227 |
| Total risk-based capital ratio | 16.3557% | 3,181 |
| Memoranda: | ||
| Average total assets | $40,729,500 | 5,825 |
| Average earning assets | $38,028,250 | 5,807 |
| Average equity | $4,998,000 | 5,724 |
| Average total loans | $23,355,500 | 5,676 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1317% | 2,786 |
| Cost of funding earning assets | 0.1866% | 5,559 |
| Net interest margin | 3.9451% | 1,832 |
| Noninterest income to average assets | 0.1880% | 5,562 |
| Noninterest expense to average assets | 2.4886% | 4,274 |
| Loan and lease loss provision to assets | 0.0544% | 3,025 |
| Net operating income to assets | 0.8955% | 2,900 |
| Return on assets (ROA) | 0.8955% | 3,026 |
| Pretax return on assets | 1.3062% | 2,340 |
| Return on Equity (ROE) | 7.2994% | 3,438 |
| Retained earnings to average equity (ytd only) | 7.2994% | 1,571 |
| Net charge-offs to loans | -0.0351% | 5,392 |
| Credit loss provision to net charge-offs | -275.0000% | 5,093 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6530% | 4,246 |
| Assets per employee ($millions) | 6.9967% | 830 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6474% | 1,754 |
| Loan loss allowance to noncurrent loans | 74.2802% | 4,365 |
| Noncurrent assets plus other real estate owned to assets | 1.2411% | 2,030 |
| Noncurrent loans to loans | 2.2179% | 1,078 |
| Net loans and leases to total assets | 55.0357% | 4,453 |
| Net loans and leases to deposits | 63.2415% | 4,603 |
| Net loans and leases to core deposits | 66.2803% | 4,630 |
| Total domestic deposits to total assets | 87.0248% | 2,159 |
| Equity capital to assets | 11.9700% | 2,051 |
| Core capital (leverage) ratio | 12.9120% | 1,205 |
| Tier 1 risk-based capital ratio | 16.0457% | 2,833 |
| Total risk-based capital ratio | 17.2952% | 2,788 |
| Memoranda: | ||
| Average total assets | $40,423,670 | 5,895 |
| Average earning assets | $37,514,670 | 5,874 |
| Average equity | $4,959,330 | 5,791 |
| Average total loans | $22,784,670 | 5,752 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9061% | 3,580 |
| Cost of funding earning assets | 0.1981% | 5,535 |
| Net interest margin | 3.7080% | 2,593 |
| Noninterest income to average assets | 0.2119% | 5,435 |
| Noninterest expense to average assets | 2.5224% | 4,195 |
| Loan and lease loss provision to assets | 0.0202% | 3,454 |
| Net operating income to assets | 0.7466% | 3,559 |
| Return on assets (ROA) | 0.7466% | 3,689 |
| Pretax return on assets | 1.0695% | 3,218 |
| Return on Equity (ROE) | 6.0083% | 4,038 |
| Retained earnings to average equity (ytd only) | 6.0083% | 2,505 |
| Net charge-offs to loans | -0.0357% | 5,345 |
| Credit loss provision to net charge-offs | -100.0000% | 4,487 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8324% | 3,521 |
| Assets per employee ($millions) | 6.7950% | 943 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6954% | 1,751 |
| Loan loss allowance to noncurrent loans | 35.8852% | 5,403 |
| Noncurrent assets plus other real estate owned to assets | 2.5632% | 828 |
| Noncurrent loans to loans | 4.7244% | 306 |
| Net loans and leases to total assets | 53.3333% | 4,512 |
| Net loans and leases to deposits | 61.4446% | 4,628 |
| Net loans and leases to core deposits | 64.4974% | 4,654 |
| Total domestic deposits to total assets | 86.7991% | 2,493 |
| Equity capital to assets | 12.1683% | 1,914 |
| Core capital (leverage) ratio | 12.6227% | 1,308 |
| Tier 1 risk-based capital ratio | 303.2602% | 17 |
| Total risk-based capital ratio | 304.7649% | 17 |
| Memoranda: | ||
| Average total assets | $39,645,500 | 5,963 |
| Average earning assets | $36,353,500 | 5,956 |
| Average equity | $4,926,500 | 5,850 |
| Average total loans | $22,431,500 | 5,809 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6560% | 4,915 |
| Cost of funding earning assets | 0.2115% | 5,655 |
| Net interest margin | 3.4445% | 4,004 |
| Noninterest income to average assets | 0.1885% | 5,728 |
| Noninterest expense to average assets | 2.2447% | 5,255 |
| Loan and lease loss provision to assets | 0.0452% | 3,671 |
| Net operating income to assets | 0.7164% | 3,808 |
| Return on assets (ROA) | 0.7164% | 3,920 |
| Pretax return on assets | 1.0105% | 3,451 |
| Return on Equity (ROE) | 6.0323% | 4,129 |
| Retained earnings to average equity (ytd only) | 4.1273% | 3,266 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0122% | 3,898 |
| Assets per employee ($millions) | 6.4202% | 1,101 |
| Cash dividends to net income (ytd only)* | 31.5789% | 3,307 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6312% | 1,987 |
| Loan loss allowance to noncurrent loans | 38.9297% | 5,397 |
| Noncurrent assets plus other real estate owned to assets | 2.4740% | 935 |
| Noncurrent loans to loans | 4.1901% | 419 |
| Net loans and leases to total assets | 58.0800% | 4,037 |
| Net loans and leases to deposits | 67.3926% | 4,183 |
| Net loans and leases to core deposits | 70.9736% | 4,221 |
| Total domestic deposits to total assets | 86.1816% | 2,733 |
| Equity capital to assets | 12.6996% | 1,539 |
| Core capital (leverage) ratio | 13.2021% | 1,061 |
| Tier 1 risk-based capital ratio | 18.0152% | 2,130 |
| Total risk-based capital ratio | 19.2675% | 2,095 |
| Memoranda: | ||
| Average total assets | $39,782,600 | 6,037 |
| Average earning assets | $35,941,200 | 6,036 |
| Average equity | $4,724,600 | 5,920 |
| Average total loans | $20,494,400 | 5,942 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6098% | 5,115 |
| Cost of funding earning assets | 0.2126% | 5,732 |
| Net interest margin | 3.3973% | 4,251 |
| Noninterest income to average assets | 0.1729% | 5,885 |
| Noninterest expense to average assets | 2.2411% | 5,250 |
| Loan and lease loss provision to assets | 0.0399% | 3,614 |
| Net operating income to assets | 0.6850% | 4,016 |
| Return on assets (ROA) | 0.6850% | 4,107 |
| Pretax return on assets | 0.9743% | 3,698 |
| Return on Equity (ROE) | 5.8654% | 4,301 |
| Retained earnings to average equity (ytd only) | 3.3028% | 4,271 |
| Net charge-offs to loans | 0.0401% | 3,699 |
| Credit loss provision to net charge-offs | 200.0000% | 1,260 |
| Earnings coverage of net charge-offs (x) | 50.8325% | 966 |
| Efficiency ratio | 68.8458% | 3,696 |
| Assets per employee ($millions) | 6.2663% | 1,163 |
| Cash dividends to net income (ytd only)* | 43.6904% | 2,162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7087% | 1,942 |
| Loan loss allowance to noncurrent loans | 40.5862% | 5,431 |
| Noncurrent assets plus other real estate owned to assets | 2.3592% | 1,154 |
| Noncurrent loans to loans | 4.2100% | 482 |
| Net loans and leases to total assets | 55.0801% | 4,450 |
| Net loans and leases to deposits | 63.9561% | 4,540 |
| Net loans and leases to core deposits | 67.4450% | 4,565 |
| Total domestic deposits to total assets | 86.1216% | 2,791 |
| Equity capital to assets | 12.7959% | 1,527 |
| Core capital (leverage) ratio | 13.0312% | 1,165 |
| Tier 1 risk-based capital ratio | 18.4300% | 2,077 |
| Total risk-based capital ratio | 19.6815% | 2,042 |
| Memoranda: | ||
| Average total assets | $40,098,000 | 6,110 |
| Average earning assets | $36,381,250 | 6,101 |
| Average equity | $4,682,750 | 5,994 |
| Average total loans | $19,932,000 | 6,030 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4841% | 5,443 |
| Cost of funding earning assets | 0.2164% | 5,784 |
| Net interest margin | 3.2677% | 4,707 |
| Noninterest income to average assets | 0.1857% | 5,842 |
| Noninterest expense to average assets | 2.2721% | 5,225 |
| Loan and lease loss provision to assets | 0.0293% | 3,687 |
| Net operating income to assets | 0.6108% | 4,306 |
| Return on assets (ROA) | 0.6108% | 4,397 |
| Pretax return on assets | 0.8355% | 4,140 |
| Return on Equity (ROE) | 5.3879% | 4,489 |
| Retained earnings to average equity (ytd only) | 1.5086% | 5,136 |
| Net charge-offs to loans | 0.3682% | 1,109 |
| Credit loss provision to net charge-offs | 16.6667% | 3,236 |
| Earnings coverage of net charge-offs (x) | 4.9167% | 3,022 |
| Efficiency ratio | 72.4299% | 3,259 |
| Assets per employee ($millions) | 6.3990% | 1,064 |
| Cash dividends to net income (ytd only)* | 72.0000% | 1,116 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6688% | 2,235 |
| Loan loss allowance to noncurrent loans | 33.1622% | 5,702 |
| Noncurrent assets plus other real estate owned to assets | 2.5369% | 1,107 |
| Noncurrent loans to loans | 5.0323% | 395 |
| Net loans and leases to total assets | 49.5702% | 5,007 |
| Net loans and leases to deposits | 57.1257% | 5,110 |
| Net loans and leases to core deposits | 60.7256% | 5,081 |
| Total domestic deposits to total assets | 86.7740% | 2,594 |
| Equity capital to assets | 12.2728% | 1,796 |
| Core capital (leverage) ratio | 12.1516% | 1,571 |
| Tier 1 risk-based capital ratio | 19.2865% | 1,858 |
| Total risk-based capital ratio | 20.5397% | 1,817 |
| Memoranda: | ||
| Average total assets | $40,931,330 | 6,145 |
| Average earning assets | $36,967,670 | 6,147 |
| Average equity | $4,640,000 | 6,046 |
| Average total loans | $19,553,000 | 6,095 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3651% | 5,718 |
| Cost of funding earning assets | 0.2097% | 5,920 |
| Net interest margin | 3.1555% | 5,070 |
| Noninterest income to average assets | 0.2180% | 5,610 |
| Noninterest expense to average assets | 2.3697% | 5,009 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.5308% | 4,552 |
| Return on assets (ROA) | 0.5308% | 4,618 |
| Pretax return on assets | 0.7014% | 4,480 |
| Return on Equity (ROE) | 4.8653% | 4,611 |
| Retained earnings to average equity (ytd only) | -2.9540% | 5,960 |
| Net charge-offs to loans | -0.0204% | 5,371 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1605% | 2,622 |
| Assets per employee ($millions) | 6.6822% | 935 |
| Cash dividends to net income (ytd only)* | 160.7143% | 350 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8054% | 2,021 |
| Loan loss allowance to noncurrent loans | 25.7267% | 5,957 |
| Noncurrent assets plus other real estate owned to assets | 3.4320% | 768 |
| Noncurrent loans to loans | 7.0175% | 221 |
| Net loans and leases to total assets | 48.0233% | 5,127 |
| Net loans and leases to deposits | 54.6911% | 5,218 |
| Net loans and leases to core deposits | 57.9416% | 5,206 |
| Total domestic deposits to total assets | 87.8083% | 2,336 |
| Equity capital to assets | 11.4010% | 2,332 |
| Core capital (leverage) ratio | 11.2050% | 2,215 |
| Tier 1 risk-based capital ratio | 18.6063% | 2,089 |
| Total risk-based capital ratio | 19.8584% | 2,052 |
| Memoranda: | ||
| Average total assets | $42,200,000 | 6,164 |
| Average earning assets | $38,156,000 | 6,165 |
| Average equity | $4,604,000 | 6,098 |
| Average total loans | $19,652,000 | 6,150 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9075% | 4,430 |
| Cost of funding earning assets | 0.3235% | 5,392 |
| Net interest margin | 3.5841% | 3,530 |
| Noninterest income to average assets | 0.1816% | 5,999 |
| Noninterest expense to average assets | 2.2723% | 5,455 |
| Loan and lease loss provision to assets | 0.0374% | 4,366 |
| Net operating income to assets | 0.6248% | 4,135 |
| Return on assets (ROA) | 0.6248% | 4,253 |
| Pretax return on assets | 0.8304% | 4,030 |
| Return on Equity (ROE) | 5.0772% | 4,587 |
| Retained earnings to average equity (ytd only) | 4.2961% | 3,118 |
| Net charge-offs to loans | 0.0576% | 4,420 |
| Credit loss provision to net charge-offs | 127.2727% | 1,850 |
| Earnings coverage of net charge-offs (x) | 29.5455% | 1,202 |
| Efficiency ratio | 72.3639% | 3,406 |
| Assets per employee ($millions) | 7.3845% | 632 |
| Cash dividends to net income (ytd only)* | 15.3846% | 3,871 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7922% | 2,086 |
| Loan loss allowance to noncurrent loans | 51.7595% | 5,190 |
| Noncurrent assets plus other real estate owned to assets | 1.5393% | 2,421 |
| Noncurrent loans to loans | 3.4626% | 917 |
| Net loans and leases to total assets | 43.6568% | 5,705 |
| Net loans and leases to deposits | 49.0354% | 5,829 |
| Net loans and leases to core deposits | 51.6199% | 5,823 |
| Total domestic deposits to total assets | 89.0311% | 1,602 |
| Equity capital to assets | 10.4656% | 3,209 |
| Core capital (leverage) ratio | 11.5520% | 1,924 |
| Tier 1 risk-based capital ratio | 17.8608% | 2,286 |
| Total risk-based capital ratio | 19.1120% | 2,255 |
| Memoranda: | ||
| Average total assets | $37,450,800 | 6,350 |
| Average earning assets | $30,914,600 | 6,427 |
| Average equity | $4,608,800 | 6,170 |
| Average total loans | $19,088,000 | 6,251 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1792% | 3,460 |
| Cost of funding earning assets | 0.3626% | 5,164 |
| Net interest margin | 3.8166% | 2,586 |
| Noninterest income to average assets | 0.1903% | 6,049 |
| Noninterest expense to average assets | 2.3356% | 5,228 |
| Loan and lease loss provision to assets | 0.0522% | 3,983 |
| Net operating income to assets | 0.6529% | 4,102 |
| Return on assets (ROA) | 0.6529% | 4,236 |
| Pretax return on assets | 0.8656% | 4,024 |
| Return on Equity (ROE) | 5.0705% | 4,689 |
| Retained earnings to average equity (ytd only) | 4.0274% | 3,826 |
| Net charge-offs to loans | 0.0915% | 3,649 |
| Credit loss provision to net charge-offs | 107.6923% | 2,180 |
| Earnings coverage of net charge-offs (x) | 18.9261% | 1,652 |
| Efficiency ratio | 71.7890% | 3,443 |
| Assets per employee ($millions) | 5.7872% | 1,385 |
| Cash dividends to net income (ytd only)* | 20.5717% | 3,072 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9087% | 1,979 |
| Loan loss allowance to noncurrent loans | 71.3415% | 4,364 |
| Noncurrent assets plus other real estate owned to assets | 1.4169% | 2,832 |
| Noncurrent loans to loans | 2.6755% | 1,583 |
| Net loans and leases to total assets | 51.9483% | 4,880 |
| Net loans and leases to deposits | 60.3318% | 4,935 |
| Net loans and leases to core deposits | 64.5991% | 4,834 |
| Total domestic deposits to total assets | 86.1043% | 3,194 |
| Equity capital to assets | 13.2391% | 1,225 |
| Core capital (leverage) ratio | 12.9615% | 1,222 |
| Tier 1 risk-based capital ratio | 20.0790% | 1,718 |
| Total risk-based capital ratio | 21.3312% | 1,691 |
| Memoranda: | ||
| Average total assets | $35,736,750 | 6,469 |
| Average earning assets | $28,680,750 | 6,545 |
| Average equity | $4,601,750 | 6,249 |
| Average total loans | $18,936,000 | 6,320 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3097% | 2,912 |
| Cost of funding earning assets | 0.3944% | 4,988 |
| Net interest margin | 3.9153% | 2,169 |
| Noninterest income to average assets | 0.1940% | 6,049 |
| Noninterest expense to average assets | 2.3008% | 5,370 |
| Loan and lease loss provision to assets | 0.0444% | 4,079 |
| Net operating income to assets | 0.6597% | 4,019 |
| Return on assets (ROA) | 0.6597% | 4,170 |
| Pretax return on assets | 0.8760% | 4,006 |
| Return on Equity (ROE) | 5.1702% | 4,632 |
| Retained earnings to average equity (ytd only) | 3.6061% | 4,022 |
| Net charge-offs to loans | 0.1674% | 2,777 |
| Credit loss provision to net charge-offs | 50.0000% | 3,203 |
| Earnings coverage of net charge-offs (x) | 10.3750% | 2,159 |
| Efficiency ratio | 71.4286% | 3,570 |
| Assets per employee ($millions) | 5.9220% | 1,259 |
| Cash dividends to net income (ytd only)* | 30.2521% | 2,664 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9045% | 2,104 |
| Loan loss allowance to noncurrent loans | 56.6942% | 4,940 |
| Noncurrent assets plus other real estate owned to assets | 1.7027% | 2,555 |
| Noncurrent loans to loans | 3.3592% | 1,287 |
| Net loans and leases to total assets | 49.7214% | 5,137 |
| Net loans and leases to deposits | 57.6355% | 5,191 |
| Net loans and leases to core deposits | 61.6047% | 5,136 |
| Total domestic deposits to total assets | 86.2687% | 3,222 |
| Equity capital to assets | 12.9770% | 1,352 |
| Core capital (leverage) ratio | 12.8577% | 1,219 |
| Tier 1 risk-based capital ratio | 20.1780% | 1,684 |
| Total risk-based capital ratio | 21.4295% | 1,658 |
| Memoranda: | ||
| Average total assets | $36,074,670 | 6,509 |
| Average earning assets | $27,890,670 | 6,613 |
| Average equity | $4,603,330 | 6,297 |
| Average total loans | $19,118,330 | 6,353 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7244% | 1,467 |
| Cost of funding earning assets | 0.4448% | 4,648 |
| Net interest margin | 4.2796% | 1,005 |
| Noninterest income to average assets | 0.2091% | 5,985 |
| Noninterest expense to average assets | 2.6853% | 4,125 |
| Loan and lease loss provision to assets | 0.0220% | 4,191 |
| Net operating income to assets | 0.5723% | 4,351 |
| Return on assets (ROA) | 0.5723% | 4,499 |
| Pretax return on assets | 0.5723% | 5,044 |
| Return on Equity (ROE) | 4.5222% | 4,831 |
| Retained earnings to average equity (ytd only) | 1.3915% | 5,282 |
| Net charge-offs to loans | -0.2033% | 6,680 |
| Credit loss provision to net charge-offs | -20.0000% | 4,988 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.8792% | 2,050 |
| Assets per employee ($millions) | 6.2433% | 1,115 |
| Cash dividends to net income (ytd only)* | 69.2308% | 1,111 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8957% | 2,315 |
| Loan loss allowance to noncurrent loans | 79.5604% | 3,959 |
| Noncurrent assets plus other real estate owned to assets | 1.2146% | 3,538 |
| Noncurrent loans to loans | 2.3827% | 2,180 |
| Net loans and leases to total assets | 50.0107% | 4,991 |
| Net loans and leases to deposits | 57.5086% | 5,092 |
| Net loans and leases to core deposits | 61.2202% | 5,025 |
| Total domestic deposits to total assets | 86.9621% | 2,983 |
| Equity capital to assets | 12.2557% | 1,862 |
| Core capital (leverage) ratio | 12.1832% | 1,471 |
| Tier 1 risk-based capital ratio | 19.0030% | 2,040 |
| Total risk-based capital ratio | 20.2557% | 2,015 |
| Memoranda: | ||
| Average total assets | $36,346,000 | 6,565 |
| Average earning assets | $26,077,500 | 6,720 |
| Average equity | $4,599,500 | 6,369 |
| Average total loans | $19,672,500 | 6,376 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8395% | 2,061 |
| Cost of funding earning assets | 0.5533% | 4,787 |
| Net interest margin | 4.2862% | 1,426 |
| Noninterest income to average assets | 0.2168% | 5,879 |
| Noninterest expense to average assets | 2.4372% | 5,295 |
| Loan and lease loss provision to assets | 0.0405% | 5,359 |
| Net operating income to assets | 0.7025% | 3,725 |
| Return on assets (ROA) | 0.7025% | 3,979 |
| Pretax return on assets | 0.9194% | 3,867 |
| Return on Equity (ROE) | 5.4375% | 4,463 |
| Retained earnings to average equity (ytd only) | 4.6319% | 2,962 |
| Net charge-offs to loans | 0.0969% | 4,693 |
| Credit loss provision to net charge-offs | 77.7778% | 3,902 |
| Earnings coverage of net charge-offs (x) | 18.4444% | 1,435 |
| Efficiency ratio | 71.7447% | 3,470 |
| Assets per employee ($millions) | 5.8720% | 1,378 |
| Cash dividends to net income (ytd only)* | 14.8148% | 3,924 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7285% | 2,825 |
| Loan loss allowance to noncurrent loans | 75.1073% | 4,087 |
| Noncurrent assets plus other real estate owned to assets | 1.3227% | 3,433 |
| Noncurrent loans to loans | 2.3013% | 2,349 |
| Net loans and leases to total assets | 56.4799% | 4,211 |
| Net loans and leases to deposits | 65.6451% | 4,339 |
| Net loans and leases to core deposits | 70.2202% | 4,279 |
| Total domestic deposits to total assets | 86.0383% | 3,344 |
| Equity capital to assets | 13.0790% | 1,405 |
| Core capital (leverage) ratio | 12.7800% | 1,206 |
| Tier 1 risk-based capital ratio | 18.3532% | 2,154 |
| Total risk-based capital ratio | 19.6056% | 2,112 |
| Memoranda: | ||
| Average total assets | $34,589,200 | 6,643 |
| Average earning assets | $25,664,000 | 6,765 |
| Average equity | $4,469,000 | 6,452 |
| Average total loans | $18,584,400 | 6,486 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8712% | 2,119 |
| Cost of funding earning assets | 0.5786% | 4,848 |
| Net interest margin | 4.2926% | 1,489 |
| Noninterest income to average assets | 0.2285% | 5,914 |
| Noninterest expense to average assets | 2.4592% | 5,219 |
| Loan and lease loss provision to assets | 0.0310% | 5,389 |
| Net operating income to assets | 0.7010% | 3,913 |
| Return on assets (ROA) | 0.7010% | 4,155 |
| Pretax return on assets | 0.8985% | 4,102 |
| Return on Equity (ROE) | 5.4424% | 4,625 |
| Retained earnings to average equity (ytd only) | 4.3599% | 3,822 |
| Net charge-offs to loans | 0.1321% | 4,062 |
| Credit loss provision to net charge-offs | 44.4444% | 4,519 |
| Earnings coverage of net charge-offs (x) | 13.3329% | 1,923 |
| Efficiency ratio | 72.5714% | 3,220 |
| Assets per employee ($millions) | 5.7808% | 1,388 |
| Cash dividends to net income (ytd only)* | 19.8898% | 3,047 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8458% | 2,659 |
| Loan loss allowance to noncurrent loans | 36.0209% | 5,846 |
| Noncurrent assets plus other real estate owned to assets | 2.7534% | 1,909 |
| Noncurrent loans to loans | 5.1242% | 875 |
| Net loans and leases to total assets | 52.7404% | 4,950 |
| Net loans and leases to deposits | 61.2954% | 5,046 |
| Net loans and leases to core deposits | 66.2838% | 4,923 |
| Total domestic deposits to total assets | 86.0430% | 3,234 |
| Equity capital to assets | 13.0950% | 1,550 |
| Core capital (leverage) ratio | 12.8104% | 1,274 |
| Tier 1 risk-based capital ratio | 20.0203% | 1,752 |
| Total risk-based capital ratio | 21.2724% | 1,724 |
| Memoranda: | ||
| Average total assets | $34,428,500 | 6,730 |
| Average earning assets | $25,345,500 | 6,862 |
| Average equity | $4,434,250 | 6,532 |
| Average total loans | $18,168,250 | 6,590 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8584% | 2,272 |
| Cost of funding earning assets | 0.5975% | 4,925 |
| Net interest margin | 4.2609% | 1,576 |
| Noninterest income to average assets | 0.2504% | 5,787 |
| Noninterest expense to average assets | 2.4750% | 5,222 |
| Loan and lease loss provision to assets | 0.0116% | 5,519 |
| Net operating income to assets | 0.7163% | 3,777 |
| Return on assets (ROA) | 0.7163% | 4,048 |
| Pretax return on assets | 0.9201% | 4,002 |
| Return on Equity (ROE) | 5.5930% | 4,532 |
| Retained earnings to average equity (ytd only) | 3.9560% | 3,984 |
| Net charge-offs to loans | -0.0111% | 6,299 |
| Credit loss provision to net charge-offs | -200.0000% | 6,136 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6496% | 3,315 |
| Assets per employee ($millions) | 5.8212% | 1,355 |
| Cash dividends to net income (ytd only)* | 29.2683% | 2,653 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9157% | 2,503 |
| Loan loss allowance to noncurrent loans | 44.1832% | 5,437 |
| Noncurrent assets plus other real estate owned to assets | 2.4079% | 2,320 |
| Noncurrent loans to loans | 4.3359% | 1,241 |
| Net loans and leases to total assets | 52.3320% | 5,053 |
| Net loans and leases to deposits | 60.6235% | 5,183 |
| Net loans and leases to core deposits | 65.5032% | 5,051 |
| Total domestic deposits to total assets | 86.3229% | 3,178 |
| Equity capital to assets | 12.8210% | 1,608 |
| Core capital (leverage) ratio | 12.5759% | 1,322 |
| Tier 1 risk-based capital ratio | 19.1818% | 1,916 |
| Total risk-based capital ratio | 20.4382% | 1,891 |
| Memoranda: | ||
| Average total assets | $34,343,000 | 6,778 |
| Average earning assets | $25,440,670 | 6,917 |
| Average equity | $4,398,330 | 6,571 |
| Average total loans | $18,012,000 | 6,649 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7069% | 3,029 |
| Cost of funding earning assets | 0.6139% | 5,020 |
| Net interest margin | 4.0930% | 2,121 |
| Noninterest income to average assets | 0.2819% | 5,611 |
| Noninterest expense to average assets | 2.7488% | 4,245 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.4699% | 4,961 |
| Return on assets (ROA) | 0.4699% | 5,152 |
| Pretax return on assets | 0.5874% | 5,156 |
| Return on Equity (ROE) | 3.6710% | 5,439 |
| Retained earnings to average equity (ytd only) | 0.3671% | 5,874 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.3944% | 1,886 |
| Assets per employee ($millions) | 5.8050% | 1,430 |
| Cash dividends to net income (ytd only)* | 90.0000% | 671 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0031% | 2,343 |
| Loan loss allowance to noncurrent loans | 44.0847% | 5,400 |
| Noncurrent assets plus other real estate owned to assets | 2.4002% | 2,467 |
| Noncurrent loans to loans | 4.5437% | 1,270 |
| Net loans and leases to total assets | 49.7244% | 5,343 |
| Net loans and leases to deposits | 57.3287% | 5,456 |
| Net loans and leases to core deposits | 61.9332% | 5,338 |
| Total domestic deposits to total assets | 86.7356% | 3,098 |
| Equity capital to assets | 12.5237% | 1,708 |
| Core capital (leverage) ratio | 12.3870% | 1,392 |
| Tier 1 risk-based capital ratio | 19.4221% | 1,862 |
| Total risk-based capital ratio | 20.6776% | 1,829 |
| Memoranda: | ||
| Average total assets | $34,051,000 | 6,841 |
| Average earning assets | $25,409,500 | 6,968 |
| Average equity | $4,358,500 | 6,618 |
| Average total loans | $17,700,500 | 6,722 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2509% | 1,869 |
| Cost of funding earning assets | 0.8131% | 4,763 |
| Net interest margin | 4.4378% | 1,294 |
| Noninterest income to average assets | 0.2230% | 5,934 |
| Noninterest expense to average assets | 2.7223% | 4,658 |
| Loan and lease loss provision to assets | 0.0743% | 5,682 |
| Net operating income to assets | 0.6225% | 3,876 |
| Return on assets (ROA) | 0.6225% | 4,075 |
| Pretax return on assets | 0.8238% | 3,899 |
| Return on Equity (ROE) | 4.7784% | 4,490 |
| Retained earnings to average equity (ytd only) | 3.9226% | 3,418 |
| Net charge-offs to loans | 0.1851% | 4,664 |
| Credit loss provision to net charge-offs | 72.7273% | 4,744 |
| Earnings coverage of net charge-offs (x) | 8.7879% | 2,091 |
| Efficiency ratio | 75.1925% | 3,034 |
| Assets per employee ($millions) | 5.5453% | 1,589 |
| Cash dividends to net income (ytd only)* | 17.9104% | 3,618 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9968% | 2,293 |
| Loan loss allowance to noncurrent loans | 30.0765% | 6,195 |
| Noncurrent assets plus other real estate owned to assets | 3.6367% | 1,615 |
| Noncurrent loans to loans | 6.6392% | 695 |
| Net loans and leases to total assets | 52.2181% | 5,278 |
| Net loans and leases to deposits | 60.6444% | 5,420 |
| Net loans and leases to core deposits | 65.7981% | 5,270 |
| Total domestic deposits to total assets | 86.1054% | 3,257 |
| Equity capital to assets | 13.0891% | 1,445 |
| Core capital (leverage) ratio | 12.7040% | 1,266 |
| Tier 1 risk-based capital ratio | 19.6626% | 1,709 |
| Total risk-based capital ratio | 20.9160% | 1,677 |
| Memoranda: | ||
| Average total assets | $32,288,800 | 6,911 |
| Average earning assets | $24,719,400 | 7,021 |
| Average equity | $4,206,400 | 6,700 |
| Average total loans | $17,828,000 | 6,760 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3093% | 1,819 |
| Cost of funding earning assets | 0.8408% | 4,846 |
| Net interest margin | 4.4685% | 1,220 |
| Noninterest income to average assets | 0.2413% | 5,897 |
| Noninterest expense to average assets | 2.6922% | 4,758 |
| Loan and lease loss provision to assets | 0.0915% | 5,311 |
| Net operating income to assets | 0.6865% | 3,686 |
| Return on assets (ROA) | 0.6865% | 3,858 |
| Pretax return on assets | 0.9071% | 3,732 |
| Return on Equity (ROE) | 5.2765% | 4,405 |
| Retained earnings to average equity (ytd only) | 4.1254% | 3,794 |
| Net charge-offs to loans | 0.2241% | 4,036 |
| Credit loss provision to net charge-offs | 73.3333% | 4,372 |
| Earnings coverage of net charge-offs (x) | 7.9998% | 2,263 |
| Efficiency ratio | 72.9425% | 3,375 |
| Assets per employee ($millions) | 5.3650% | 1,742 |
| Cash dividends to net income (ytd only)* | 21.8192% | 2,851 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0465% | 2,217 |
| Loan loss allowance to noncurrent loans | 49.4429% | 5,052 |
| Noncurrent assets plus other real estate owned to assets | 2.3330% | 2,749 |
| Noncurrent loans to loans | 4.1390% | 1,593 |
| Net loans and leases to total assets | 52.7866% | 5,351 |
| Net loans and leases to deposits | 61.6032% | 5,453 |
| Net loans and leases to core deposits | 67.0613% | 5,300 |
| Total domestic deposits to total assets | 85.6881% | 3,394 |
| Equity capital to assets | 13.4731% | 1,384 |
| Core capital (leverage) ratio | 12.9139% | 1,258 |
| Tier 1 risk-based capital ratio | 19.1698% | 1,880 |
| Total risk-based capital ratio | 20.4253% | 1,849 |
| Memoranda: | ||
| Average total assets | $32,043,000 | 6,984 |
| Average earning assets | $24,735,750 | 7,092 |
| Average equity | $4,169,250 | 6,762 |
| Average total loans | $17,853,000 | 6,828 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2586% | 2,033 |
| Cost of funding earning assets | 0.8632% | 4,962 |
| Net interest margin | 4.3954% | 1,382 |
| Noninterest income to average assets | 0.2688% | 5,721 |
| Noninterest expense to average assets | 2.7818% | 4,497 |
| Loan and lease loss provision to assets | 0.0750% | 5,372 |
| Net operating income to assets | 0.6626% | 3,729 |
| Return on assets (ROA) | 0.6626% | 3,851 |
| Pretax return on assets | 0.8814% | 3,702 |
| Return on Equity (ROE) | 5.1540% | 4,380 |
| Retained earnings to average equity (ytd only) | 3.4036% | 4,094 |
| Net charge-offs to loans | -0.0111% | 6,704 |
| Credit loss provision to net charge-offs | -1,200.0000% | 6,616 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4147% | 3,286 |
| Assets per employee ($millions) | 5.4785% | 1,590 |
| Cash dividends to net income (ytd only)* | 33.9623% | 2,316 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1592% | 1,999 |
| Loan loss allowance to noncurrent loans | 38.9061% | 5,722 |
| Noncurrent assets plus other real estate owned to assets | 3.0483% | 2,204 |
| Noncurrent loans to loans | 5.5498% | 1,133 |
| Net loans and leases to total assets | 51.9698% | 5,565 |
| Net loans and leases to deposits | 60.1684% | 5,712 |
| Net loans and leases to core deposits | 65.3820% | 5,575 |
| Total domestic deposits to total assets | 86.3740% | 3,112 |
| Equity capital to assets | 12.8350% | 1,604 |
| Core capital (leverage) ratio | 12.6878% | 1,294 |
| Tier 1 risk-based capital ratio | 18.3512% | 2,058 |
| Total risk-based capital ratio | 19.6067% | 2,010 |
| Memoranda: | ||
| Average total assets | $31,994,000 | 7,045 |
| Average earning assets | $25,253,670 | 7,142 |
| Average equity | $4,113,330 | 6,816 |
| Average total loans | $18,021,670 | 6,889 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0009% | 3,102 |
| Cost of funding earning assets | 0.9121% | 4,834 |
| Net interest margin | 4.0888% | 2,310 |
| Noninterest income to average assets | 0.3169% | 5,390 |
| Noninterest expense to average assets | 3.2578% | 2,686 |
| Loan and lease loss provision to assets | 0.0380% | 5,515 |
| Net operating income to assets | 0.2408% | 5,644 |
| Return on assets (ROA) | 0.2408% | 5,713 |
| Pretax return on assets | 0.3169% | 5,610 |
| Return on Equity (ROE) | 1.8717% | 5,833 |
| Retained earnings to average equity (ytd only) | -1.6747% | 6,098 |
| Net charge-offs to loans | -0.0219% | 6,598 |
| Credit loss provision to net charge-offs | -300.0000% | 5,858 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.1754% | 1,318 |
| Assets per employee ($millions) | 5.4077% | 1,657 |
| Cash dividends to net income (ytd only)* | 189.4737% | 222 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0771% | 2,229 |
| Loan loss allowance to noncurrent loans | 35.0860% | 5,957 |
| Noncurrent assets plus other real estate owned to assets | 3.3255% | 2,048 |
| Noncurrent loans to loans | 5.9200% | 1,076 |
| Net loans and leases to total assets | 53.3255% | 5,402 |
| Net loans and leases to deposits | 61.5226% | 5,567 |
| Net loans and leases to core deposits | 66.9090% | 5,415 |
| Total domestic deposits to total assets | 86.6763% | 3,132 |
| Equity capital to assets | 12.5470% | 1,602 |
| Core capital (leverage) ratio | 12.3160% | 1,406 |
| Tier 1 risk-based capital ratio | 18.0503% | 2,097 |
| Total risk-based capital ratio | 19.3073% | 2,064 |
| Memoranda: | ||
| Average total assets | $31,555,500 | 7,107 |
| Average earning assets | $25,435,500 | 7,187 |
| Average equity | $4,060,500 | 6,865 |
| Average total loans | $18,302,500 | 6,924 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6733% | 1,670 |
| Cost of funding earning assets | 1.1759% | 4,694 |
| Net interest margin | 4.4974% | 1,230 |
| Noninterest income to average assets | 0.2626% | 5,911 |
| Noninterest expense to average assets | 2.6602% | 5,180 |
| Loan and lease loss provision to assets | 0.1057% | 6,088 |
| Net operating income to assets | 0.9481% | 2,210 |
| Return on assets (ROA) | 0.9481% | 2,335 |
| Pretax return on assets | 1.2142% | 2,178 |
| Return on Equity (ROE) | 7.0138% | 3,117 |
| Retained earnings to average equity (ytd only) | 6.1056% | 1,762 |
| Net charge-offs to loans | -0.0226% | 7,377 |
| Credit loss provision to net charge-offs | -775.0000% | 7,136 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8380% | 4,791 |
| Assets per employee ($millions) | 5.1108% | 2,000 |
| Cash dividends to net income (ytd only)* | 12.9496% | 3,668 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9170% | 2,513 |
| Loan loss allowance to noncurrent loans | 112.3839% | 2,590 |
| Noncurrent assets plus other real estate owned to assets | 1.1609% | 4,691 |
| Noncurrent loans to loans | 1.7057% | 3,946 |
| Net loans and leases to total assets | 60.5674% | 4,569 |
| Net loans and leases to deposits | 70.4243% | 4,762 |
| Net loans and leases to core deposits | 77.0312% | 4,586 |
| Total domestic deposits to total assets | 86.0036% | 3,356 |
| Equity capital to assets | 13.2072% | 1,298 |
| Core capital (leverage) ratio | 13.0487% | 1,114 |
| Tier 1 risk-based capital ratio | 17.6434% | 2,112 |
| Total risk-based capital ratio | 18.8965% | 2,077 |
| Memoranda: | ||
| Average total assets | $29,320,800 | 7,230 |
| Average earning assets | $24,236,400 | 7,280 |
| Average equity | $3,963,600 | 7,014 |
| Average total loans | $17,704,200 | 7,044 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6108% | 2,026 |
| Cost of funding earning assets | 1.2063% | 4,835 |
| Net interest margin | 4.4045% | 1,511 |
| Noninterest income to average assets | 0.2760% | 5,897 |
| Noninterest expense to average assets | 2.6956% | 4,896 |
| Loan and lease loss provision to assets | 0.0920% | 6,116 |
| Net operating income to assets | 0.8740% | 2,716 |
| Return on assets (ROA) | 0.8740% | 2,852 |
| Pretax return on assets | 1.1500% | 2,670 |
| Return on Equity (ROE) | 6.4264% | 3,609 |
| Retained earnings to average equity (ytd only) | 5.2088% | 2,837 |
| Net charge-offs to loans | -0.0306% | 7,408 |
| Credit loss provision to net charge-offs | -500.0000% | 7,020 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4579% | 4,381 |
| Assets per employee ($millions) | 4.9435% | 2,254 |
| Cash dividends to net income (ytd only)* | 18.9476% | 3,007 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9170% | 2,432 |
| Loan loss allowance to noncurrent loans | 62.4113% | 4,177 |
| Noncurrent assets plus other real estate owned to assets | 2.0127% | 3,453 |
| Noncurrent loans to loans | 3.0716% | 2,599 |
| Net loans and leases to total assets | 60.7195% | 4,774 |
| Net loans and leases to deposits | 71.0650% | 4,985 |
| Net loans and leases to core deposits | 78.0295% | 4,801 |
| Total domestic deposits to total assets | 85.4422% | 3,385 |
| Equity capital to assets | 13.7116% | 1,275 |
| Core capital (leverage) ratio | 13.2498% | 1,132 |
| Tier 1 risk-based capital ratio | 17.8304% | 2,067 |
| Total risk-based capital ratio | 19.0842% | 2,034 |
| Memoranda: | ||
| Average total assets | $28,984,750 | 7,332 |
| Average earning assets | $24,096,000 | 7,375 |
| Average equity | $3,942,000 | 7,107 |
| Average total loans | $17,396,250 | 7,153 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6487% | 1,948 |
| Cost of funding earning assets | 1.2312% | 4,953 |
| Net interest margin | 4.4175% | 1,405 |
| Noninterest income to average assets | 0.2712% | 5,982 |
| Noninterest expense to average assets | 2.6983% | 4,916 |
| Loan and lease loss provision to assets | 0.0695% | 6,255 |
| Net operating income to assets | 0.9180% | 2,483 |
| Return on assets (ROA) | 0.9180% | 2,585 |
| Pretax return on assets | 1.1961% | 2,429 |
| Return on Equity (ROE) | 6.7687% | 3,414 |
| Retained earnings to average equity (ytd only) | 4.9227% | 2,947 |
| Net charge-offs to loans | -0.0351% | 7,388 |
| Credit loss provision to net charge-offs | -333.3333% | 6,777 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0702% | 4,569 |
| Assets per employee ($millions) | 4.8390% | 2,391 |
| Cash dividends to net income (ytd only)* | 27.2727% | 2,610 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8867% | 2,449 |
| Loan loss allowance to noncurrent loans | 59.8246% | 4,351 |
| Noncurrent assets plus other real estate owned to assets | 2.0734% | 3,414 |
| Noncurrent loans to loans | 3.1537% | 2,540 |
| Net loans and leases to total assets | 61.0767% | 4,863 |
| Net loans and leases to deposits | 71.4291% | 5,085 |
| Net loans and leases to core deposits | 78.5828% | 4,854 |
| Total domestic deposits to total assets | 85.5066% | 3,369 |
| Equity capital to assets | 13.6633% | 1,282 |
| Core capital (leverage) ratio | 13.4448% | 1,076 |
| Tier 1 risk-based capital ratio | 17.9111% | 1,980 |
| Total risk-based capital ratio | 19.1663% | 1,949 |
| Memoranda: | ||
| Average total assets | $28,759,330 | 7,395 |
| Average earning assets | $24,041,000 | 7,438 |
| Average equity | $3,900,330 | 7,150 |
| Average total loans | $17,074,330 | 7,218 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2744% | 3,671 |
| Cost of funding earning assets | 1.2645% | 5,044 |
| Net interest margin | 4.0099% | 2,835 |
| Noninterest income to average assets | 0.3075% | 5,684 |
| Noninterest expense to average assets | 2.9348% | 3,931 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.5590% | 4,088 |
| Return on assets (ROA) | 0.5590% | 4,231 |
| Pretax return on assets | 0.7407% | 4,090 |
| Return on Equity (ROE) | 4.1376% | 4,828 |
| Retained earnings to average equity (ytd only) | 0.4138% | 5,672 |
| Net charge-offs to loans | -0.0241% | 7,120 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.8479% | 2,585 |
| Assets per employee ($millions) | 4.8520% | 2,436 |
| Cash dividends to net income (ytd only)* | 90.0000% | 694 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0108% | 2,157 |
| Loan loss allowance to noncurrent loans | 45.8856% | 5,290 |
| Noncurrent assets plus other real estate owned to assets | 2.7102% | 2,686 |
| Noncurrent loans to loans | 4.3821% | 1,720 |
| Net loans and leases to total assets | 55.0735% | 5,878 |
| Net loans and leases to deposits | 64.1217% | 6,042 |
| Net loans and leases to core deposits | 64.1217% | 6,441 |
| Total domestic deposits to total assets | 85.8890% | 3,216 |
| Equity capital to assets | 13.2797% | 1,404 |
| Core capital (leverage) ratio | 12.7772% | 1,302 |
| Tier 1 risk-based capital ratio | 18.4647% | 1,842 |
| Total risk-based capital ratio | 19.7172% | 1,809 |
| Memoranda: | ||
| Average total assets | $28,622,000 | 7,490 |
| Average earning assets | $24,040,500 | 7,533 |
| Average equity | $3,867,000 | 7,226 |
| Average total loans | $16,574,500 | 7,332 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6309% | 3,436 |
| Cost of funding earning assets | 1.4422% | 5,755 |
| Net interest margin | 4.1887% | 2,111 |
| Noninterest income to average assets | 0.2419% | 6,363 |
| Noninterest expense to average assets | 2.8557% | 4,720 |
| Loan and lease loss provision to assets | 0.1083% | 6,564 |
| Net operating income to assets | 0.6679% | 3,070 |
| Return on assets (ROA) | 0.6679% | 3,122 |
| Pretax return on assets | 0.8953% | 2,940 |
| Return on Equity (ROE) | 4.8602% | 3,732 |
| Retained earnings to average equity (ytd only) | 3.9145% | 2,472 |
| Net charge-offs to loans | 0.0684% | 6,432 |
| Credit loss provision to net charge-offs | 272.7273% | 1,264 |
| Earnings coverage of net charge-offs (x) | 25.2727% | 882 |
| Efficiency ratio | 73.9944% | 3,894 |
| Assets per employee ($millions) | 4.6887% | 2,630 |
| Cash dividends to net income (ytd only)* | 19.4595% | 3,672 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9539% | 2,134 |
| Loan loss allowance to noncurrent loans | 46.3932% | 5,294 |
| Noncurrent assets plus other real estate owned to assets | 2.5132% | 2,783 |
| Noncurrent loans to loans | 4.2116% | 1,731 |
| Net loans and leases to total assets | 58.5063% | 5,576 |
| Net loans and leases to deposits | 68.5306% | 5,772 |
| Net loans and leases to core deposits | 82.5633% | 5,868 |
| Total domestic deposits to total assets | 85.3725% | 3,376 |
| Equity capital to assets | 13.7495% | 1,238 |
| Core capital (leverage) ratio | 13.3317% | 1,148 |
| Tier 1 risk-based capital ratio | 18.2902% | 1,818 |
| Total risk-based capital ratio | 19.5463% | 1,765 |
| Memoranda: | ||
| Average total assets | $27,699,000 | 7,563 |
| Average earning assets | $23,921,400 | 7,585 |
| Average equity | $3,806,400 | 7,353 |
| Average total loans | $16,082,800 | 7,402 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6295% | 3,695 |
| Cost of funding earning assets | 1.4686% | 5,962 |
| Net interest margin | 4.1609% | 2,172 |
| Noninterest income to average assets | 0.2416% | 6,505 |
| Noninterest expense to average assets | 2.8656% | 4,589 |
| Loan and lease loss provision to assets | 0.0870% | 6,495 |
| Net operating income to assets | 0.6572% | 3,369 |
| Return on assets (ROA) | 0.6572% | 3,431 |
| Pretax return on assets | 0.9037% | 3,215 |
| Return on Equity (ROE) | 4.7832% | 4,053 |
| Retained earnings to average equity (ytd only) | 3.5170% | 3,325 |
| Net charge-offs to loans | -0.0335% | 7,813 |
| Credit loss provision to net charge-offs | -450.0000% | 7,267 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3108% | 3,816 |
| Assets per employee ($millions) | 4.6518% | 2,631 |
| Cash dividends to net income (ytd only)* | 26.4711% | 3,008 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0436% | 1,699 |
| Loan loss allowance to noncurrent loans | 57.7661% | 4,503 |
| Noncurrent assets plus other real estate owned to assets | 2.1927% | 3,105 |
| Noncurrent loans to loans | 3.5377% | 2,116 |
| Net loans and leases to total assets | 56.8450% | 6,047 |
| Net loans and leases to deposits | 66.6555% | 6,245 |
| Net loans and leases to core deposits | 80.4401% | 6,313 |
| Total domestic deposits to total assets | 85.2818% | 3,083 |
| Equity capital to assets | 13.8189% | 1,366 |
| Core capital (leverage) ratio | 12.8531% | 1,428 |
| Tier 1 risk-based capital ratio | 18.6285% | 1,831 |
| Total risk-based capital ratio | 19.8845% | 1,793 |
| Memoranda: | ||
| Average total assets | $27,590,750 | 7,633 |
| Average earning assets | $23,968,500 | 7,656 |
| Average equity | $3,791,000 | 7,419 |
| Average total loans | $15,906,750 | 7,476 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6985% | 3,545 |
| Cost of funding earning assets | 1.4786% | 6,226 |
| Net interest margin | 4.2199% | 1,919 |
| Noninterest income to average assets | 0.2620% | 6,402 |
| Noninterest expense to average assets | 2.7725% | 5,080 |
| Loan and lease loss provision to assets | 0.0509% | 6,718 |
| Net operating income to assets | 0.8005% | 2,855 |
| Return on assets (ROA) | 0.8005% | 2,949 |
| Pretax return on assets | 1.1352% | 2,518 |
| Return on Equity (ROE) | 5.8371% | 3,731 |
| Retained earnings to average equity (ytd only) | 3.9268% | 3,094 |
| Net charge-offs to loans | -0.0253% | 7,742 |
| Credit loss provision to net charge-offs | -350.0000% | 7,026 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0368% | 4,774 |
| Assets per employee ($millions) | 4.7722% | 2,362 |
| Cash dividends to net income (ytd only)* | 32.7273% | 2,735 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9892% | 1,591 |
| Loan loss allowance to noncurrent loans | 37.1930% | 5,926 |
| Noncurrent assets plus other real estate owned to assets | 2.9861% | 2,129 |
| Noncurrent loans to loans | 5.3484% | 1,105 |
| Net loans and leases to total assets | 54.7201% | 6,360 |
| Net loans and leases to deposits | 63.6911% | 6,596 |
| Net loans and leases to core deposits | 77.0343% | 6,609 |
| Total domestic deposits to total assets | 85.9149% | 2,833 |
| Equity capital to assets | 13.1841% | 1,618 |
| Core capital (leverage) ratio | 13.0421% | 1,415 |
| Tier 1 risk-based capital ratio | 19.1092% | 1,760 |
| Total risk-based capital ratio | 20.3603% | 1,712 |
| Memoranda: | ||
| Average total assets | $27,484,000 | 7,704 |
| Average earning assets | $24,076,330 | 7,718 |
| Average equity | $3,769,000 | 7,491 |
| Average total loans | $15,810,000 | 7,545 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5950% | 4,390 |
| Cost of funding earning assets | 1.5095% | 6,373 |
| Net interest margin | 4.0855% | 2,333 |
| Noninterest income to average assets | 0.2973% | 6,059 |
| Noninterest expense to average assets | 3.1364% | 3,241 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.6689% | 3,713 |
| Return on assets (ROA) | 0.6689% | 3,888 |
| Pretax return on assets | 0.8621% | 3,853 |
| Return on Equity (ROE) | 4.7796% | 4,561 |
| Retained earnings to average equity (ytd only) | 0.9559% | 5,267 |
| Net charge-offs to loans | -0.0254% | 7,507 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.4387% | 3,098 |
| Assets per employee ($millions) | 4.5698% | 2,612 |
| Cash dividends to net income (ytd only)* | 80.0000% | 1,064 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9708% | 1,479 |
| Loan loss allowance to noncurrent loans | 37.0813% | 6,081 |
| Noncurrent assets plus other real estate owned to assets | 3.0490% | 1,851 |
| Noncurrent loans to loans | 5.3147% | 996 |
| Net loans and leases to total assets | 56.2384% | 6,205 |
| Net loans and leases to deposits | 65.8552% | 6,390 |
| Net loans and leases to core deposits | 79.6611% | 6,409 |
| Total domestic deposits to total assets | 85.3970% | 3,016 |
| Equity capital to assets | 13.6511% | 1,479 |
| Core capital (leverage) ratio | 13.0433% | 1,469 |
| Tier 1 risk-based capital ratio | 19.0617% | 1,803 |
| Total risk-based capital ratio | 20.3163% | 1,761 |
| Memoranda: | ||
| Average total assets | $26,909,500 | 7,767 |
| Average earning assets | $24,379,000 | 7,750 |
| Average equity | $3,766,000 | 7,534 |
| Average total loans | $15,722,000 | 7,596 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4099% | 3,363 |
| Cost of funding earning assets | 2.1107% | 6,000 |
| Net interest margin | 4.2992% | 1,976 |
| Noninterest income to average assets | 0.2681% | 6,543 |
| Noninterest expense to average assets | 2.8584% | 4,571 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.9423% | 2,825 |
| Return on assets (ROA) | 0.9423% | 2,688 |
| Pretax return on assets | 1.3365% | 2,182 |
| Return on Equity (ROE) | 6.7154% | 3,666 |
| Retained earnings to average equity (ytd only) | 5.7038% | 1,666 |
| Net charge-offs to loans | -0.0350% | 7,989 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1391% | 4,702 |
| Assets per employee ($millions) | 4.4000% | 2,793 |
| Cash dividends to net income (ytd only)* | 15.0628% | 4,570 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9664% | 1,292 |
| Loan loss allowance to noncurrent loans | 97.1698% | 3,542 |
| Noncurrent assets plus other real estate owned to assets | 1.2045% | 3,836 |
| Noncurrent loans to loans | 2.0237% | 2,735 |
| Net loans and leases to total assets | 58.3523% | 6,152 |
| Net loans and leases to deposits | 68.9539% | 6,379 |
| Net loans and leases to core deposits | 86.5401% | 6,097 |
| Total domestic deposits to total assets | 84.6250% | 3,015 |
| Equity capital to assets | 14.3523% | 1,336 |
| Core capital (leverage) ratio | 14.0635% | 1,247 |
| Tier 1 risk-based capital ratio | 19.1813% | 1,773 |
| Total risk-based capital ratio | 20.4359% | 1,727 |
| Memoranda: | ||
| Average total assets | $25,364,000 | 7,830 |
| Average earning assets | $23,167,200 | 7,816 |
| Average equity | $3,559,000 | 7,657 |
| Average total loans | $14,300,400 | 7,689 |