Home > Glasford State Bank > Performance and Condition Ratios
Glasford State Bank, Performance and Condition Ratios
| 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 | 2.3602% | 4,405 |
| Cost of funding earning assets | 0.1450% | 3,565 |
| Net interest margin | 2.2152% | 4,331 |
| Noninterest income to average assets | 0.4129% | 2,602 |
| Noninterest expense to average assets | 2.0970% | 3,152 |
| Loan and lease loss provision to assets | 0.0968% | 854 |
| Net operating income to assets | 0.3355% | 4,083 |
| Return on assets (ROA) | 0.3355% | 4,050 |
| Pretax return on assets | 0.3871% | 4,052 |
| Return on Equity (ROE) | 6.3116% | 3,243 |
| Retained earnings to average equity (ytd only) | 6.3116% | 2,137 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.2500% | 1,050 |
| Assets per employee ($millions) | 6.2676% | 2,587 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3915% | 1,938 |
| Loan loss allowance to noncurrent loans | 722.8571% | 1,153 |
| Noncurrent assets plus other real estate owned to assets | 0.0558% | 3,486 |
| Noncurrent loans to loans | 0.1925% | 2,856 |
| Net loans and leases to total assets | 28.6058% | 4,487 |
| Net loans and leases to deposits | 29.7651% | 4,556 |
| Net loans and leases to core deposits | 29.8891% | 4,583 |
| Total domestic deposits to total assets | 96.1054% | 12 |
| Equity capital to assets | 3.8212% | 4,781 |
| Core capital (leverage) ratio | 6.6009% | 4,741 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.3599% | 532 |
| Memoranda: | ||
| Average total assets | $61,993,500 | 4,421 |
| Average earning assets | $60,673,000 | 4,364 |
| Average equity | $3,295,500 | 4,704 |
| Average total loans | $18,786,500 | 4,542 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7016% | 4,311 |
| Cost of funding earning assets | 0.1763% | 3,697 |
| Net interest margin | 2.5252% | 4,156 |
| Noninterest income to average assets | 0.4835% | 2,661 |
| Noninterest expense to average assets | 2.4000% | 2,493 |
| Loan and lease loss provision to assets | 0.0602% | 1,850 |
| Net operating income to assets | 0.4605% | 4,160 |
| Return on assets (ROA) | 0.4605% | 4,208 |
| Pretax return on assets | 0.4835% | 4,280 |
| Return on Equity (ROE) | 6.0595% | 3,762 |
| Retained earnings to average equity (ytd only) | 6.0595% | 2,336 |
| Net charge-offs to loans | 0.2677% | 334 |
| Credit loss provision to net charge-offs | 64.1509% | 2,044 |
| Earnings coverage of net charge-offs (x) | 5.7925% | 2,429 |
| Efficiency ratio | 81.5283% | 716 |
| Assets per employee ($millions) | 6.1311% | 2,629 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2274% | 2,748 |
| Loan loss allowance to noncurrent loans | 626.3158% | 1,209 |
| Noncurrent assets plus other real estate owned to assets | 0.0620% | 3,546 |
| Noncurrent loans to loans | 0.1960% | 2,968 |
| Net loans and leases to total assets | 31.2391% | 4,475 |
| Net loans and leases to deposits | 33.6106% | 4,536 |
| Net loans and leases to core deposits | 33.7587% | 4,562 |
| Total domestic deposits to total assets | 92.9442% | 50 |
| Equity capital to assets | 6.8438% | 4,744 |
| Core capital (leverage) ratio | 6.5751% | 4,790 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.2385% | 627 |
| Memoranda: | ||
| Average total assets | $56,459,000 | 4,496 |
| Average earning assets | $55,005,000 | 4,449 |
| Average equity | $4,290,800 | 4,685 |
| Average total loans | $19,796,000 | 4,570 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7067% | 4,398 |
| Cost of funding earning assets | 0.1809% | 3,812 |
| Net interest margin | 2.5257% | 4,230 |
| Noninterest income to average assets | 0.4875% | 2,678 |
| Noninterest expense to average assets | 2.3313% | 2,650 |
| Loan and lease loss provision to assets | 0.0815% | 1,454 |
| Net operating income to assets | 0.5213% | 4,161 |
| Return on assets (ROA) | 0.5213% | 4,206 |
| Pretax return on assets | 0.5334% | 4,331 |
| Return on Equity (ROE) | 6.6750% | 3,752 |
| Retained earnings to average equity (ytd only) | 6.6750% | 2,544 |
| Net charge-offs to loans | 0.1474% | 558 |
| Credit loss provision to net charge-offs | 154.5455% | 1,342 |
| Earnings coverage of net charge-offs (x) | 11.5909% | 1,990 |
| Efficiency ratio | 79.1155% | 807 |
| Assets per employee ($millions) | 6.0720% | 2,622 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3509% | 2,221 |
| Loan loss allowance to noncurrent loans | 595.5556% | 1,194 |
| Noncurrent assets plus other real estate owned to assets | 0.2503% | 2,527 |
| Noncurrent loans to loans | 0.2268% | 3,035 |
| Net loans and leases to total assets | 32.2316% | 4,535 |
| Net loans and leases to deposits | 34.8146% | 4,608 |
| Net loans and leases to core deposits | 34.8146% | 4,636 |
| Total domestic deposits to total assets | 92.5807% | 64 |
| Equity capital to assets | 7.1624% | 4,779 |
| Core capital (leverage) ratio | 6.8765% | 4,837 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.9162% | 700 |
| Memoranda: | ||
| Average total assets | $55,246,000 | 4,566 |
| Average earning assets | $53,792,000 | 4,521 |
| Average equity | $4,314,500 | 4,754 |
| Average total loans | $19,897,250 | 4,637 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7312% | 4,423 |
| Cost of funding earning assets | 0.1849% | 3,901 |
| Net interest margin | 2.5463% | 4,252 |
| Noninterest income to average assets | 0.5391% | 2,450 |
| Noninterest expense to average assets | 2.4148% | 2,415 |
| Loan and lease loss provision to assets | 0.1273% | 983 |
| Net operating income to assets | 0.4530% | 4,297 |
| Return on assets (ROA) | 0.4530% | 4,338 |
| Pretax return on assets | 0.4717% | 4,427 |
| Return on Equity (ROE) | 5.6240% | 3,994 |
| Retained earnings to average equity (ytd only) | 5.6240% | 2,953 |
| Net charge-offs to loans | 0.2008% | 428 |
| Credit loss provision to net charge-offs | 170.0000% | 1,114 |
| Earnings coverage of net charge-offs (x) | 8.0000% | 1,900 |
| Efficiency ratio | 80.1242% | 768 |
| Assets per employee ($millions) | 5.3961% | 3,247 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3727% | 2,093 |
| Loan loss allowance to noncurrent loans | 409.0909% | 1,490 |
| Noncurrent assets plus other real estate owned to assets | 0.3206% | 2,317 |
| Noncurrent loans to loans | 0.3356% | 2,705 |
| Net loans and leases to total assets | 35.9500% | 4,462 |
| Net loans and leases to deposits | 39.1875% | 4,545 |
| Net loans and leases to core deposits | 39.3872% | 4,592 |
| Total domestic deposits to total assets | 91.7385% | 183 |
| Equity capital to assets | 8.0039% | 4,530 |
| Core capital (leverage) ratio | 7.1314% | 4,827 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.3403% | 661 |
| Memoranda: | ||
| Average total assets | $53,421,333 | 4,619 |
| Average earning assets | $51,919,000 | 4,574 |
| Average equity | $4,303,000 | 4,784 |
| Average total loans | $19,916,667 | 4,671 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6571% | 4,520 |
| Cost of funding earning assets | 0.1937% | 3,968 |
| Net interest margin | 2.4634% | 4,351 |
| Noninterest income to average assets | 0.5042% | 2,593 |
| Noninterest expense to average assets | 2.3631% | 2,614 |
| Loan and lease loss provision to assets | 0.1505% | 866 |
| Net operating income to assets | 0.3462% | 4,456 |
| Return on assets (ROA) | 0.3462% | 4,488 |
| Pretax return on assets | 0.3838% | 4,506 |
| Return on Equity (ROE) | 4.2841% | 4,229 |
| Retained earnings to average equity (ytd only) | 4.2841% | 3,423 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.5584% | 725 |
| Assets per employee ($millions) | 5.5077% | 3,110 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3903% | 2,004 |
| Loan loss allowance to noncurrent loans | 337.8049% | 1,605 |
| Noncurrent assets plus other real estate owned to assets | 0.3432% | 2,426 |
| Noncurrent loans to loans | 0.4116% | 2,629 |
| Net loans and leases to total assets | 35.6719% | 4,517 |
| Net loans and leases to deposits | 38.7263% | 4,605 |
| Net loans and leases to core deposits | 38.9181% | 4,648 |
| Total domestic deposits to total assets | 92.1129% | 125 |
| Equity capital to assets | 7.7074% | 4,630 |
| Core capital (leverage) ratio | 7.1310% | 4,870 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.5291% | 622 |
| Memoranda: | ||
| Average total assets | $53,151,500 | 4,640 |
| Average earning assets | $51,635,500 | 4,595 |
| Average equity | $4,295,000 | 4,807 |
| Average total loans | $20,040,500 | 4,691 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0318% | 4,610 |
| Cost of funding earning assets | 0.3682% | 3,777 |
| Net interest margin | 2.6635% | 4,428 |
| Noninterest income to average assets | 0.5216% | 2,538 |
| Noninterest expense to average assets | 2.3700% | 3,208 |
| Loan and lease loss provision to assets | 0.1713% | 2,244 |
| Net operating income to assets | 0.5374% | 3,947 |
| Return on assets (ROA) | 0.5374% | 4,037 |
| Pretax return on assets | 0.5433% | 4,193 |
| Return on Equity (ROE) | 6.6879% | 3,335 |
| Retained earnings to average equity (ytd only) | 6.6879% | 1,514 |
| Net charge-offs to loans | -0.0476% | 4,655 |
| Credit loss provision to net charge-offs | -870.0000% | 4,029 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8347% | 1,134 |
| Assets per employee ($millions) | 5.1226% | 3,262 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2750% | 2,544 |
| Loan loss allowance to noncurrent loans | 233.6364% | 2,087 |
| Noncurrent assets plus other real estate owned to assets | 0.4236% | 2,309 |
| Noncurrent loans to loans | 0.5457% | 2,344 |
| Net loans and leases to total assets | 38.8475% | 4,481 |
| Net loans and leases to deposits | 42.5577% | 4,575 |
| Net loans and leases to core deposits | 42.7865% | 4,634 |
| Total domestic deposits to total assets | 91.2818% | 161 |
| Equity capital to assets | 8.4820% | 4,455 |
| Core capital (leverage) ratio | 7.0569% | 4,926 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.7573% | 687 |
| Memoranda: | ||
| Average total assets | $50,802,600 | 4,643 |
| Average earning assets | $48,882,600 | 4,604 |
| Average equity | $4,082,000 | 4,836 |
| Average total loans | $21,000,800 | 4,693 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0818% | 4,675 |
| Cost of funding earning assets | 0.3883% | 3,879 |
| Net interest margin | 2.6935% | 4,472 |
| Noninterest income to average assets | 0.4892% | 2,656 |
| Noninterest expense to average assets | 2.3117% | 3,391 |
| Loan and lease loss provision to assets | 0.1637% | 2,364 |
| Net operating income to assets | 0.5996% | 3,770 |
| Return on assets (ROA) | 0.5996% | 3,869 |
| Pretax return on assets | 0.6049% | 4,090 |
| Return on Equity (ROE) | 7.5691% | 2,980 |
| Retained earnings to average equity (ytd only) | 7.5691% | 1,472 |
| Net charge-offs to loans | 0.0063% | 2,907 |
| Credit loss provision to net charge-offs | 6,200.0000% | 184 |
| Earnings coverage of net charge-offs (x) | 292.0000% | 368 |
| Efficiency ratio | 75.0640% | 1,295 |
| Assets per employee ($millions) | 5.3920% | 2,801 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0510% | 3,456 |
| Loan loss allowance to noncurrent loans | 368.3333% | 1,381 |
| Noncurrent assets plus other real estate owned to assets | 0.3097% | 2,917 |
| Noncurrent loans to loans | 0.2853% | 3,263 |
| Net loans and leases to total assets | 38.5868% | 4,606 |
| Net loans and leases to deposits | 45.7255% | 4,612 |
| Net loans and leases to core deposits | 45.7255% | 4,670 |
| Total domestic deposits to total assets | 84.3880% | 2,680 |
| Equity capital to assets | 7.9581% | 4,726 |
| Core capital (leverage) ratio | 6.9277% | 4,971 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.2049% | 766 |
| Memoranda: | ||
| Average total assets | $50,696,750 | 4,662 |
| Average earning assets | $48,758,500 | 4,627 |
| Average equity | $4,016,250 | 4,866 |
| Average total loans | $21,211,750 | 4,720 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2355% | 4,694 |
| Cost of funding earning assets | 0.4286% | 3,907 |
| Net interest margin | 2.8069% | 4,440 |
| Noninterest income to average assets | 0.4433% | 2,837 |
| Noninterest expense to average assets | 2.3618% | 3,368 |
| Loan and lease loss provision to assets | 0.1411% | 2,601 |
| Net operating income to assets | 0.6207% | 3,672 |
| Return on assets (ROA) | 0.6207% | 3,749 |
| Pretax return on assets | 0.6328% | 3,998 |
| Return on Equity (ROE) | 7.8478% | 2,810 |
| Retained earnings to average equity (ytd only) | 7.8478% | 1,354 |
| Net charge-offs to loans | 0.0094% | 2,607 |
| Credit loss provision to net charge-offs | 3,500.0000% | 311 |
| Earnings coverage of net charge-offs (x) | 192.0000% | 470 |
| Efficiency ratio | 75.3213% | 1,332 |
| Assets per employee ($millions) | 5.4871% | 2,650 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9153% | 3,938 |
| Loan loss allowance to noncurrent loans | 285.2941% | 1,619 |
| Noncurrent assets plus other real estate owned to assets | 0.3189% | 3,038 |
| Noncurrent loans to loans | 0.3208% | 3,234 |
| Net loans and leases to total assets | 38.2734% | 4,657 |
| Net loans and leases to deposits | 45.0801% | 4,676 |
| Net loans and leases to core deposits | 45.0801% | 4,735 |
| Total domestic deposits to total assets | 84.9009% | 2,433 |
| Equity capital to assets | 7.6306% | 4,848 |
| Core capital (leverage) ratio | 7.3708% | 4,942 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.6992% | 808 |
| Memoranda: | ||
| Average total assets | $49,622,333 | 4,695 |
| Average earning assets | $47,597,000 | 4,661 |
| Average equity | $3,924,667 | 4,902 |
| Average total loans | $21,273,333 | 4,744 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5618% | 4,573 |
| Cost of funding earning assets | 0.4719% | 4,062 |
| Net interest margin | 3.0899% | 4,117 |
| Noninterest income to average assets | 0.5277% | 2,399 |
| Noninterest expense to average assets | 2.5788% | 3,048 |
| Loan and lease loss provision to assets | 0.1192% | 2,204 |
| Net operating income to assets | 0.7575% | 3,066 |
| Return on assets (ROA) | 0.7575% | 3,142 |
| Pretax return on assets | 0.7830% | 3,457 |
| Return on Equity (ROE) | 9.3845% | 1,965 |
| Retained earnings to average equity (ytd only) | 9.3845% | 875 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0831% | 1,802 |
| Assets per employee ($millions) | 4.7638% | 2,915 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8253% | 4,345 |
| Loan loss allowance to noncurrent loans | 41.3302% | 4,230 |
| Noncurrent assets plus other real estate owned to assets | 1.1084% | 1,176 |
| Noncurrent loans to loans | 1.9969% | 710 |
| Net loans and leases to total assets | 43.8914% | 4,507 |
| Net loans and leases to deposits | 47.8467% | 4,663 |
| Net loans and leases to core deposits | 47.8467% | 4,731 |
| Total domestic deposits to total assets | 91.7335% | 53 |
| Equity capital to assets | 8.1427% | 4,942 |
| Core capital (leverage) ratio | 7.5903% | 5,036 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1727% | 1,122 |
| Memoranda: | ||
| Average total assets | $46,998,000 | 4,757 |
| Average earning assets | $44,920,500 | 4,723 |
| Average equity | $3,793,500 | 4,955 |
| Average total loans | $21,312,500 | 4,778 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7736% | 4,599 |
| Cost of funding earning assets | 0.3023% | 4,718 |
| Net interest margin | 3.4713% | 3,532 |
| Noninterest income to average assets | 0.5592% | 2,424 |
| Noninterest expense to average assets | 3.0350% | 1,926 |
| Loan and lease loss provision to assets | 0.1626% | 1,282 |
| Net operating income to assets | 0.6896% | 3,902 |
| Return on assets (ROA) | 0.6725% | 4,018 |
| Pretax return on assets | 0.6824% | 4,247 |
| Return on Equity (ROE) | 7.7827% | 3,260 |
| Retained earnings to average equity (ytd only) | 5.2169% | 2,303 |
| Net charge-offs to loans | 0.3150% | 658 |
| Credit loss provision to net charge-offs | 98.5075% | 2,526 |
| Earnings coverage of net charge-offs (x) | 5.2239% | 3,117 |
| Efficiency ratio | 77.8761% | 1,166 |
| Assets per employee ($millions) | 4.6358% | 3,038 |
| Cash dividends to net income (ytd only)* | 32.9670% | 2,947 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7474% | 4,463 |
| Loan loss allowance to noncurrent loans | 34.6983% | 4,359 |
| Noncurrent assets plus other real estate owned to assets | 1.2964% | 855 |
| Noncurrent loans to loans | 2.1539% | 582 |
| Net loans and leases to total assets | 46.1215% | 4,514 |
| Net loans and leases to deposits | 50.2609% | 4,677 |
| Net loans and leases to core deposits | 50.2609% | 4,754 |
| Total domestic deposits to total assets | 91.7641% | 53 |
| Equity capital to assets | 7.9986% | 5,058 |
| Core capital (leverage) ratio | 8.3247% | 4,935 |
| Tier 1 risk-based capital ratio | 17.9882% | 1,764 |
| Total risk-based capital ratio | 18.7978% | 1,828 |
| Memoranda: | ||
| Average total assets | $40,593,600 | 4,882 |
| Average earning assets | $39,034,800 | 4,853 |
| Average equity | $3,507,800 | 5,036 |
| Average total loans | $21,269,200 | 4,831 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8475% | 4,612 |
| Cost of funding earning assets | 0.3065% | 4,783 |
| Net interest margin | 3.5410% | 3,433 |
| Noninterest income to average assets | 0.5687% | 2,360 |
| Noninterest expense to average assets | 3.0308% | 1,881 |
| Loan and lease loss provision to assets | 0.2145% | 803 |
| Net operating income to assets | 0.7282% | 3,916 |
| Return on assets (ROA) | 0.7015% | 4,072 |
| Pretax return on assets | 0.7185% | 4,302 |
| Return on Equity (ROE) | 7.9433% | 3,337 |
| Retained earnings to average equity (ytd only) | 4.8587% | 2,956 |
| Net charge-offs to loans | 0.3585% | 472 |
| Credit loss provision to net charge-offs | 110.5263% | 2,086 |
| Earnings coverage of net charge-offs (x) | 4.9472% | 2,966 |
| Efficiency ratio | 75.9386% | 1,343 |
| Assets per employee ($millions) | 4.1669% | 3,671 |
| Cash dividends to net income (ytd only)* | 38.8335% | 2,212 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7813% | 4,460 |
| Loan loss allowance to noncurrent loans | 81.9512% | 3,602 |
| Noncurrent assets plus other real estate owned to assets | 0.8712% | 1,574 |
| Noncurrent loans to loans | 0.9533% | 1,691 |
| Net loans and leases to total assets | 51.2035% | 4,358 |
| Net loans and leases to deposits | 56.3238% | 4,542 |
| Net loans and leases to core deposits | 56.3238% | 4,676 |
| Total domestic deposits to total assets | 90.9093% | 110 |
| Equity capital to assets | 8.8243% | 4,865 |
| Core capital (leverage) ratio | 8.7718% | 4,796 |
| Tier 1 risk-based capital ratio | 18.1691% | 1,771 |
| Total risk-based capital ratio | 19.0414% | 1,826 |
| Memoranda: | ||
| Average total assets | $39,152,500 | 4,978 |
| Average earning assets | $37,841,750 | 4,937 |
| Average equity | $3,457,750 | 5,114 |
| Average total loans | $21,201,000 | 4,907 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8171% | 4,690 |
| Cost of funding earning assets | 0.3015% | 4,826 |
| Net interest margin | 3.5156% | 3,546 |
| Noninterest income to average assets | 0.5638% | 2,320 |
| Noninterest expense to average assets | 3.1007% | 1,729 |
| Loan and lease loss provision to assets | 0.2192% | 758 |
| Net operating income to assets | 0.6305% | 4,218 |
| Return on assets (ROA) | 0.5951% | 4,354 |
| Pretax return on assets | 0.6160% | 4,514 |
| Return on Equity (ROE) | 6.7363% | 3,773 |
| Retained earnings to average equity (ytd only) | 2.6000% | 3,890 |
| Net charge-offs to loans | 0.2275% | 742 |
| Credit loss provision to net charge-offs | 175.0000% | 1,337 |
| Earnings coverage of net charge-offs (x) | 6.9583% | 2,533 |
| Efficiency ratio | 78.0552% | 1,145 |
| Assets per employee ($millions) | 4.0395% | 3,817 |
| Cash dividends to net income (ytd only)* | 61.4035% | 1,362 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8695% | 4,200 |
| Loan loss allowance to noncurrent loans | 562.5000% | 921 |
| Noncurrent assets plus other real estate owned to assets | 0.4704% | 2,653 |
| Noncurrent loans to loans | 0.1546% | 3,988 |
| Net loans and leases to total assets | 50.8008% | 4,423 |
| Net loans and leases to deposits | 55.8076% | 4,600 |
| Net loans and leases to core deposits | 55.8076% | 4,717 |
| Total domestic deposits to total assets | 91.0286% | 102 |
| Equity capital to assets | 8.7684% | 4,916 |
| Core capital (leverage) ratio | 8.9645% | 4,652 |
| Tier 1 risk-based capital ratio | 18.4549% | 1,684 |
| Total risk-based capital ratio | 19.4273% | 1,712 |
| Memoranda: | ||
| Average total assets | $38,313,670 | 5,031 |
| Average earning assets | $37,149,000 | 4,989 |
| Average equity | $3,384,670 | 5,160 |
| Average total loans | $21,100,000 | 4,954 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8790% | 4,585 |
| Cost of funding earning assets | 0.2992% | 4,851 |
| Net interest margin | 3.5798% | 3,328 |
| Noninterest income to average assets | 0.5473% | 2,300 |
| Noninterest expense to average assets | 3.1122% | 1,708 |
| Loan and lease loss provision to assets | 0.2254% | 687 |
| Net operating income to assets | 0.6166% | 4,190 |
| Return on assets (ROA) | 0.5580% | 4,394 |
| Pretax return on assets | 0.6117% | 4,488 |
| Return on Equity (ROE) | 6.2916% | 3,927 |
| Retained earnings to average equity (ytd only) | -0.9679% | 4,646 |
| Net charge-offs to loans | -0.0188% | 4,469 |
| Credit loss provision to net charge-offs | -2,100.0000% | 4,075 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5401% | 1,319 |
| Assets per employee ($millions) | 3.7119% | 4,331 |
| Cash dividends to net income (ytd only)* | 115.3846% | 496 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8855% | 4,216 |
| Loan loss allowance to noncurrent loans | 368.0000% | 1,339 |
| Noncurrent assets plus other real estate owned to assets | 0.5604% | 2,407 |
| Noncurrent loans to loans | 0.2406% | 3,711 |
| Net loans and leases to total assets | 55.4837% | 4,099 |
| Net loans and leases to deposits | 61.1073% | 4,351 |
| Net loans and leases to core deposits | 61.1073% | 4,527 |
| Total domestic deposits to total assets | 90.7972% | 208 |
| Equity capital to assets | 9.0789% | 4,629 |
| Core capital (leverage) ratio | 9.0831% | 4,592 |
| Tier 1 risk-based capital ratio | 18.2474% | 1,729 |
| Total risk-based capital ratio | 19.2452% | 1,756 |
| Memoranda: | ||
| Average total assets | $37,273,000 | 5,101 |
| Average earning assets | $36,091,500 | 5,058 |
| Average equity | $3,306,000 | 5,223 |
| Average total loans | $21,299,500 | 5,008 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6636% | 4,718 |
| Cost of funding earning assets | 0.2236% | 4,910 |
| Net interest margin | 3.4400% | 3,881 |
| Noninterest income to average assets | 0.5941% | 2,328 |
| Noninterest expense to average assets | 3.0513% | 1,930 |
| Loan and lease loss provision to assets | 0.0607% | 2,947 |
| Net operating income to assets | 0.8191% | 3,730 |
| Return on assets (ROA) | 0.8191% | 3,735 |
| Pretax return on assets | 0.8266% | 4,101 |
| Return on Equity (ROE) | 10.6167% | 2,237 |
| Retained earnings to average equity (ytd only) | 10.6167% | 505 |
| Net charge-offs to loans | 0.0982% | 1,784 |
| Credit loss provision to net charge-offs | 114.2857% | 2,272 |
| Earnings coverage of net charge-offs (x) | 16.7143% | 2,232 |
| Efficiency ratio | 77.4711% | 1,185 |
| Assets per employee ($millions) | 3.7427% | 4,264 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7424% | 4,700 |
| Loan loss allowance to noncurrent loans | 66.1224% | 3,994 |
| Noncurrent assets plus other real estate owned to assets | 0.6546% | 2,086 |
| Noncurrent loans to loans | 1.1228% | 1,439 |
| Net loans and leases to total assets | 57.8673% | 3,983 |
| Net loans and leases to deposits | 64.7532% | 4,208 |
| Net loans and leases to core deposits | 64.7532% | 4,420 |
| Total domestic deposits to total assets | 89.3660% | 710 |
| Equity capital to assets | 8.6622% | 4,835 |
| Core capital (leverage) ratio | 8.5611% | 4,984 |
| Tier 1 risk-based capital ratio | 17.5778% | 1,877 |
| Total risk-based capital ratio | 18.4220% | 1,951 |
| Memoranda: | ||
| Average total assets | $39,557,400 | 5,105 |
| Average earning assets | $38,459,200 | 5,066 |
| Average equity | $3,051,800 | 5,279 |
| Average total loans | $21,378,200 | 5,043 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5687% | 4,853 |
| Cost of funding earning assets | 0.2226% | 4,927 |
| Net interest margin | 3.3461% | 4,164 |
| Noninterest income to average assets | 0.5754% | 2,449 |
| Noninterest expense to average assets | 2.8602% | 2,430 |
| Loan and lease loss provision to assets | 0.1630% | 1,175 |
| Net operating income to assets | 0.7915% | 3,934 |
| Return on assets (ROA) | 0.7915% | 3,946 |
| Pretax return on assets | 0.8015% | 4,289 |
| Return on Equity (ROE) | 10.5627% | 2,369 |
| Retained earnings to average equity (ytd only) | 10.5627% | 752 |
| Net charge-offs to loans | 0.0251% | 2,620 |
| Credit loss provision to net charge-offs | 1,225.0000% | 332 |
| Earnings coverage of net charge-offs (x) | 72.5441% | 936 |
| Efficiency ratio | 74.7826% | 1,485 |
| Assets per employee ($millions) | 4.2328% | 3,526 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9560% | 4,030 |
| Loan loss allowance to noncurrent loans | 288.7324% | 1,698 |
| Noncurrent assets plus other real estate owned to assets | 0.1677% | 4,119 |
| Noncurrent loans to loans | 0.3311% | 3,484 |
| Net loans and leases to total assets | 50.1772% | 4,581 |
| Net loans and leases to deposits | 54.2115% | 4,815 |
| Net loans and leases to core deposits | 54.2115% | 4,905 |
| Total domestic deposits to total assets | 92.5581% | 53 |
| Equity capital to assets | 7.2080% | 5,362 |
| Core capital (leverage) ratio | 8.0892% | 5,295 |
| Tier 1 risk-based capital ratio | 17.4666% | 1,943 |
| Total risk-based capital ratio | 18.5510% | 1,945 |
| Memoranda: | ||
| Average total assets | $40,090,000 | 5,163 |
| Average earning assets | $38,930,000 | 5,122 |
| Average equity | $3,004,250 | 5,348 |
| Average total loans | $21,267,750 | 5,108 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5638% | 4,822 |
| Cost of funding earning assets | 0.2303% | 4,854 |
| Net interest margin | 3.3336% | 4,147 |
| Noninterest income to average assets | 0.5948% | 2,347 |
| Noninterest expense to average assets | 2.9179% | 2,298 |
| Loan and lease loss provision to assets | 0.2135% | 779 |
| Net operating income to assets | 0.6863% | 4,235 |
| Return on assets (ROA) | 0.6863% | 4,239 |
| Pretax return on assets | 0.7015% | 4,509 |
| Return on Equity (ROE) | 9.0341% | 3,001 |
| Retained earnings to average equity (ytd only) | 9.0341% | 1,207 |
| Net charge-offs to loans | 0.0094% | 2,802 |
| Credit loss provision to net charge-offs | 4,200.0000% | 98 |
| Earnings coverage of net charge-offs (x) | 180.0000% | 455 |
| Efficiency ratio | 76.1273% | 1,409 |
| Assets per employee ($millions) | 4.0882% | 3,750 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9474% | 4,126 |
| Loan loss allowance to noncurrent loans | 502.5000% | 1,093 |
| Noncurrent assets plus other real estate owned to assets | 0.0978% | 4,511 |
| Noncurrent loans to loans | 0.1885% | 4,061 |
| Net loans and leases to total assets | 51.4016% | 4,515 |
| Net loans and leases to deposits | 55.5808% | 4,776 |
| Net loans and leases to core deposits | 56.7394% | 4,840 |
| Total domestic deposits to total assets | 92.4808% | 52 |
| Equity capital to assets | 7.3455% | 5,411 |
| Core capital (leverage) ratio | 8.0958% | 5,312 |
| Tier 1 risk-based capital ratio | 17.3742% | 1,974 |
| Total risk-based capital ratio | 18.4710% | 1,978 |
| Memoranda: | ||
| Average total assets | $39,344,000 | 5,227 |
| Average earning assets | $38,217,330 | 5,193 |
| Average equity | $2,988,670 | 5,414 |
| Average total loans | $21,209,000 | 5,170 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6285% | 4,642 |
| Cost of funding earning assets | 0.2348% | 4,801 |
| Net interest margin | 3.3937% | 3,904 |
| Noninterest income to average assets | 0.5185% | 2,695 |
| Noninterest expense to average assets | 3.0071% | 2,044 |
| Loan and lease loss provision to assets | 0.2178% | 726 |
| Net operating income to assets | 0.5599% | 4,542 |
| Return on assets (ROA) | 0.5599% | 4,543 |
| Pretax return on assets | 0.5911% | 4,707 |
| Return on Equity (ROE) | 7.2447% | 3,680 |
| Retained earnings to average equity (ytd only) | 7.2447% | 2,165 |
| Net charge-offs to loans | -0.0189% | 4,527 |
| Credit loss provision to net charge-offs | -2,100.0000% | 4,302 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.8043% | 1,284 |
| Assets per employee ($millions) | 3.8422% | 4,227 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8543% | 4,622 |
| Loan loss allowance to noncurrent loans | 102.2599% | 3,425 |
| Noncurrent assets plus other real estate owned to assets | 0.4607% | 3,002 |
| Noncurrent loans to loans | 0.8355% | 2,152 |
| Net loans and leases to total assets | 54.6692% | 4,229 |
| Net loans and leases to deposits | 59.2742% | 4,518 |
| Net loans and leases to core deposits | 61.5081% | 4,583 |
| Total domestic deposits to total assets | 92.2310% | 83 |
| Equity capital to assets | 7.6701% | 5,376 |
| Core capital (leverage) ratio | 8.0635% | 5,375 |
| Tier 1 risk-based capital ratio | 17.0345% | 2,108 |
| Total risk-based capital ratio | 18.0281% | 2,133 |
| Memoranda: | ||
| Average total assets | $38,575,000 | 5,297 |
| Average earning assets | $37,481,000 | 5,262 |
| Average equity | $2,981,500 | 5,470 |
| Average total loans | $21,206,000 | 5,226 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4239% | 4,911 |
| Cost of funding earning assets | 0.2359% | 4,681 |
| Net interest margin | 3.1881% | 4,478 |
| Noninterest income to average assets | 0.5271% | 2,837 |
| Noninterest expense to average assets | 2.8368% | 2,657 |
| Loan and lease loss provision to assets | 0.1989% | 1,044 |
| Net operating income to assets | 0.5296% | 4,297 |
| Return on assets (ROA) | 0.5271% | 4,335 |
| Pretax return on assets | 0.5271% | 4,883 |
| Return on Equity (ROE) | 6.9345% | 3,314 |
| Retained earnings to average equity (ytd only) | 6.2547% | 1,409 |
| Net charge-offs to loans | 0.1917% | 1,328 |
| Credit loss provision to net charge-offs | 197.4359% | 1,384 |
| Earnings coverage of net charge-offs (x) | 7.2308% | 3,068 |
| Efficiency ratio | 79.5652% | 1,149 |
| Assets per employee ($millions) | 3.8728% | 4,155 |
| Cash dividends to net income (ytd only)* | 9.8039% | 3,948 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7538% | 4,944 |
| Loan loss allowance to noncurrent loans | 888.8889% | 689 |
| Noncurrent assets plus other real estate owned to assets | 0.0465% | 4,903 |
| Noncurrent loans to loans | 0.0848% | 4,623 |
| Net loans and leases to total assets | 54.3948% | 4,324 |
| Net loans and leases to deposits | 59.1210% | 4,631 |
| Net loans and leases to core deposits | 61.3347% | 4,691 |
| Total domestic deposits to total assets | 92.0058% | 82 |
| Equity capital to assets | 7.7876% | 5,462 |
| Core capital (leverage) ratio | 7.5066% | 5,561 |
| Tier 1 risk-based capital ratio | 16.7023% | 2,198 |
| Total risk-based capital ratio | 17.5790% | 2,261 |
| Memoranda: | ||
| Average total assets | $38,705,600 | 5,348 |
| Average earning assets | $36,887,400 | 5,321 |
| Average equity | $2,941,800 | 5,535 |
| Average total loans | $20,347,200 | 5,302 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3641% | 5,013 |
| Cost of funding earning assets | 0.2361% | 4,688 |
| Net interest margin | 3.1279% | 4,628 |
| Noninterest income to average assets | 0.4927% | 3,071 |
| Noninterest expense to average assets | 2.8595% | 2,534 |
| Loan and lease loss provision to assets | 0.2171% | 857 |
| Net operating income to assets | 0.3824% | 5,032 |
| Return on assets (ROA) | 0.3859% | 5,055 |
| Pretax return on assets | 0.3859% | 5,208 |
| Return on Equity (ROE) | 5.1084% | 4,491 |
| Retained earnings to average equity (ytd only) | 4.1960% | 3,401 |
| Net charge-offs to loans | 0.3577% | 590 |
| Credit loss provision to net charge-offs | 116.6667% | 2,050 |
| Earnings coverage of net charge-offs (x) | 3.2221% | 3,366 |
| Efficiency ratio | 82.6693% | 862 |
| Assets per employee ($millions) | 4.1382% | 3,761 |
| Cash dividends to net income (ytd only)* | 17.8598% | 3,223 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6271% | 5,278 |
| Loan loss allowance to noncurrent loans | 25.5403% | 5,004 |
| Noncurrent assets plus other real estate owned to assets | 1.2300% | 1,325 |
| Noncurrent loans to loans | 2.4553% | 631 |
| Net loans and leases to total assets | 49.7825% | 4,713 |
| Net loans and leases to deposits | 53.8504% | 4,970 |
| Net loans and leases to core deposits | 56.4999% | 4,970 |
| Total domestic deposits to total assets | 92.4460% | 40 |
| Equity capital to assets | 7.3099% | 5,634 |
| Core capital (leverage) ratio | 7.1959% | 5,654 |
| Tier 1 risk-based capital ratio | 16.4745% | 2,332 |
| Total risk-based capital ratio | 17.1987% | 2,465 |
| Memoranda: | ||
| Average total assets | $38,700,000 | 5,410 |
| Average earning assets | $36,700,750 | 5,381 |
| Average equity | $2,923,250 | 5,601 |
| Average total loans | $20,127,500 | 5,365 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3420% | 5,039 |
| Cost of funding earning assets | 0.2347% | 4,684 |
| Net interest margin | 3.1073% | 4,658 |
| Noninterest income to average assets | 0.4973% | 3,043 |
| Noninterest expense to average assets | 2.8567% | 2,557 |
| Loan and lease loss provision to assets | 0.2222% | 789 |
| Net operating income to assets | 0.3650% | 5,055 |
| Return on assets (ROA) | 0.3703% | 5,071 |
| Pretax return on assets | 0.3650% | 5,244 |
| Return on Equity (ROE) | 4.8454% | 4,536 |
| Retained earnings to average equity (ytd only) | 4.1532% | 3,236 |
| Net charge-offs to loans | 0.5320% | 364 |
| Credit loss provision to net charge-offs | 79.2453% | 2,273 |
| Earnings coverage of net charge-offs (x) | 2.0755% | 3,209 |
| Efficiency ratio | 83.0769% | 913 |
| Assets per employee ($millions) | 3.8945% | 4,137 |
| Cash dividends to net income (ytd only)* | 14.2857% | 3,289 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5500% | 5,458 |
| Loan loss allowance to noncurrent loans | 177.4194% | 2,473 |
| Noncurrent assets plus other real estate owned to assets | 0.1926% | 4,407 |
| Noncurrent loans to loans | 0.3100% | 3,932 |
| Net loans and leases to total assets | 51.0695% | 4,638 |
| Net loans and leases to deposits | 55.4227% | 4,880 |
| Net loans and leases to core deposits | 58.3375% | 4,904 |
| Total domestic deposits to total assets | 92.1453% | 62 |
| Equity capital to assets | 7.6749% | 5,625 |
| Core capital (leverage) ratio | 7.7207% | 5,606 |
| Tier 1 risk-based capital ratio | 16.3307% | 2,382 |
| Total risk-based capital ratio | 16.9393% | 2,560 |
| Memoranda: | ||
| Average total assets | $37,806,000 | 5,467 |
| Average earning assets | $35,786,670 | 5,436 |
| Average equity | $2,889,330 | 5,649 |
| Average total loans | $19,926,330 | 5,412 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3373% | 5,051 |
| Cost of funding earning assets | 0.2294% | 4,724 |
| Net interest margin | 3.1080% | 4,630 |
| Noninterest income to average assets | 0.4727% | 3,172 |
| Noninterest expense to average assets | 2.9756% | 2,224 |
| Loan and lease loss provision to assets | 0.2256% | 694 |
| Net operating income to assets | 0.1826% | 5,422 |
| Return on assets (ROA) | 0.1826% | 5,434 |
| Pretax return on assets | 0.1826% | 5,455 |
| Return on Equity (ROE) | 2.3948% | 5,261 |
| Retained earnings to average equity (ytd only) | 2.3948% | 4,188 |
| Net charge-offs to loans | 0.6838% | 259 |
| Credit loss provision to net charge-offs | 61.7647% | 1,894 |
| Earnings coverage of net charge-offs (x) | 1.1176% | 2,760 |
| Efficiency ratio | 87.9365% | 662 |
| Assets per employee ($millions) | 3.8013% | 4,344 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5412% | 5,555 |
| Loan loss allowance to noncurrent loans | 146.5753% | 2,864 |
| Noncurrent assets plus other real estate owned to assets | 0.1920% | 4,482 |
| Noncurrent loans to loans | 0.3692% | 3,773 |
| Net loans and leases to total assets | 51.7323% | 4,541 |
| Net loans and leases to deposits | 56.0256% | 4,813 |
| Net loans and leases to core deposits | 59.0363% | 4,825 |
| Total domestic deposits to total assets | 92.3368% | 77 |
| Equity capital to assets | 7.5343% | 5,672 |
| Core capital (leverage) ratio | 7.6311% | 5,675 |
| Tier 1 risk-based capital ratio | 16.3114% | 2,430 |
| Total risk-based capital ratio | 16.9245% | 2,619 |
| Memoranda: | ||
| Average total assets | $37,236,500 | 5,539 |
| Average earning assets | $34,878,000 | 5,522 |
| Average equity | $2,839,500 | 5,713 |
| Average total loans | $19,890,000 | 5,469 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3958% | 4,990 |
| Cost of funding earning assets | 0.2195% | 4,836 |
| Net interest margin | 3.1763% | 4,514 |
| Noninterest income to average assets | 0.5726% | 2,800 |
| Noninterest expense to average assets | 2.9600% | 2,464 |
| Loan and lease loss provision to assets | 0.1383% | 1,802 |
| Net operating income to assets | 0.5105% | 4,587 |
| Return on assets (ROA) | 0.3790% | 5,092 |
| Pretax return on assets | 0.3845% | 5,250 |
| Return on Equity (ROE) | 4.6375% | 4,594 |
| Retained earnings to average equity (ytd only) | -1.0155% | 5,444 |
| Net charge-offs to loans | 0.1333% | 1,913 |
| Credit loss provision to net charge-offs | 192.3077% | 1,475 |
| Earnings coverage of net charge-offs (x) | 9.1154% | 2,782 |
| Efficiency ratio | 81.8669% | 1,216 |
| Assets per employee ($millions) | 3.6460% | 4,549 |
| Cash dividends to net income (ytd only)* | 121.8978% | 226 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6098% | 5,509 |
| Loan loss allowance to noncurrent loans | 230.1887% | 2,019 |
| Noncurrent assets plus other real estate owned to assets | 0.1454% | 4,730 |
| Noncurrent loans to loans | 0.2649% | 4,204 |
| Net loans and leases to total assets | 54.5420% | 4,392 |
| Net loans and leases to deposits | 59.2657% | 4,722 |
| Net loans and leases to core deposits | 62.2702% | 4,741 |
| Total domestic deposits to total assets | 92.0296% | 98 |
| Equity capital to assets | 7.7208% | 5,657 |
| Core capital (leverage) ratio | 7.5196% | 5,746 |
| Tier 1 risk-based capital ratio | 16.1790% | 2,476 |
| Total risk-based capital ratio | 16.8625% | 2,634 |
| Memoranda: | ||
| Average total assets | $36,148,200 | 5,615 |
| Average earning assets | $34,631,400 | 5,578 |
| Average equity | $2,954,200 | 5,764 |
| Average total loans | $19,500,000 | 5,534 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3524% | 5,118 |
| Cost of funding earning assets | 0.2138% | 4,937 |
| Net interest margin | 3.1386% | 4,675 |
| Noninterest income to average assets | 0.5693% | 2,819 |
| Noninterest expense to average assets | 2.9128% | 2,606 |
| Loan and lease loss provision to assets | 0.1183% | 1,956 |
| Net operating income to assets | 0.5657% | 4,432 |
| Return on assets (ROA) | 0.5729% | 4,509 |
| Pretax return on assets | 0.5840% | 4,916 |
| Return on Equity (ROE) | 6.9140% | 3,604 |
| Retained earnings to average equity (ytd only) | -0.5353% | 5,441 |
| Net charge-offs to loans | 0.1720% | 1,340 |
| Credit loss provision to net charge-offs | 128.0000% | 1,992 |
| Earnings coverage of net charge-offs (x) | 7.5206% | 2,868 |
| Efficiency ratio | 80.7377% | 1,335 |
| Assets per employee ($millions) | 3.7933% | 4,316 |
| Cash dividends to net income (ytd only)* | 107.7422% | 303 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5095% | 5,720 |
| Loan loss allowance to noncurrent loans | 201.9608% | 2,225 |
| Noncurrent assets plus other real estate owned to assets | 0.1344% | 4,896 |
| Noncurrent loans to loans | 0.2523% | 4,364 |
| Net loans and leases to total assets | 53.0224% | 4,572 |
| Net loans and leases to deposits | 57.8159% | 4,887 |
| Net loans and leases to core deposits | 60.4339% | 4,910 |
| Total domestic deposits to total assets | 91.7091% | 95 |
| Equity capital to assets | 8.0669% | 5,716 |
| Core capital (leverage) ratio | 7.8018% | 5,760 |
| Tier 1 risk-based capital ratio | 16.2514% | 2,528 |
| Total risk-based capital ratio | 16.8377% | 2,732 |
| Memoranda: | ||
| Average total assets | $36,070,250 | 5,675 |
| Average earning assets | $34,919,250 | 5,627 |
| Average equity | $2,989,000 | 5,822 |
| Average total loans | $19,373,000 | 5,593 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3221% | 5,243 |
| Cost of funding earning assets | 0.2102% | 5,040 |
| Net interest margin | 3.1119% | 4,798 |
| Noninterest income to average assets | 0.5642% | 2,830 |
| Noninterest expense to average assets | 2.9620% | 2,479 |
| Loan and lease loss provision to assets | 0.1354% | 1,683 |
| Net operating income to assets | 0.4573% | 4,844 |
| Return on assets (ROA) | 0.4683% | 4,900 |
| Pretax return on assets | 0.4852% | 5,163 |
| Return on Equity (ROE) | 5.5980% | 4,248 |
| Retained earnings to average equity (ytd only) | -5.6655% | 5,773 |
| Net charge-offs to loans | 0.2409% | 980 |
| Credit loss provision to net charge-offs | 104.3478% | 2,035 |
| Earnings coverage of net charge-offs (x) | 4.6957% | 2,955 |
| Efficiency ratio | 82.9384% | 1,154 |
| Assets per employee ($millions) | 3.6071% | 4,590 |
| Cash dividends to net income (ytd only)* | 201.2048% | 103 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4893% | 5,810 |
| Loan loss allowance to noncurrent loans | 362.9630% | 1,394 |
| Noncurrent assets plus other real estate owned to assets | 0.0749% | 5,239 |
| Noncurrent loans to loans | 0.1348% | 4,901 |
| Net loans and leases to total assets | 55.2577% | 4,387 |
| Net loans and leases to deposits | 60.4256% | 4,768 |
| Net loans and leases to core deposits | 63.0181% | 4,811 |
| Total domestic deposits to total assets | 91.4474% | 128 |
| Equity capital to assets | 8.3890% | 5,656 |
| Core capital (leverage) ratio | 7.9304% | 5,764 |
| Tier 1 risk-based capital ratio | 16.1394% | 2,573 |
| Total risk-based capital ratio | 16.7021% | 2,813 |
| Memoranda: | ||
| Average total assets | $35,449,330 | 5,755 |
| Average earning assets | $34,255,670 | 5,704 |
| Average equity | $2,965,330 | 5,895 |
| Average total loans | $19,092,000 | 5,664 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3051% | 5,315 |
| Cost of funding earning assets | 0.2132% | 5,074 |
| Net interest margin | 3.0919% | 4,886 |
| Noninterest income to average assets | 0.5464% | 2,827 |
| Noninterest expense to average assets | 2.9028% | 2,700 |
| Loan and lease loss provision to assets | 0.1366% | 1,530 |
| Net operating income to assets | 0.4559% | 4,806 |
| Return on assets (ROA) | 0.4667% | 4,843 |
| Pretax return on assets | 0.4895% | 5,113 |
| Return on Equity (ROE) | 5.5877% | 4,183 |
| Retained earnings to average equity (ytd only) | -8.0409% | 5,751 |
| Net charge-offs to loans | 0.1074% | 1,485 |
| Credit loss provision to net charge-offs | 240.0000% | 967 |
| Earnings coverage of net charge-offs (x) | 10.8000% | 1,904 |
| Efficiency ratio | 82.5243% | 1,322 |
| Assets per employee ($millions) | 3.5326% | 4,768 |
| Cash dividends to net income (ytd only)* | 243.9024% | 175 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5579% | 5,809 |
| Loan loss allowance to noncurrent loans | 221.2766% | 2,079 |
| Noncurrent assets plus other real estate owned to assets | 0.1330% | 5,045 |
| Noncurrent loans to loans | 0.2521% | 4,531 |
| Net loans and leases to total assets | 52.4798% | 4,581 |
| Net loans and leases to deposits | 57.3182% | 4,898 |
| Net loans and leases to core deposits | 59.1601% | 4,991 |
| Total domestic deposits to total assets | 91.5586% | 148 |
| Equity capital to assets | 8.3338% | 5,674 |
| Core capital (leverage) ratio | 8.0052% | 5,769 |
| Tier 1 risk-based capital ratio | 17.1931% | 2,216 |
| Total risk-based capital ratio | 17.8236% | 2,398 |
| Memoranda: | ||
| Average total assets | $35,138,500 | 5,818 |
| Average earning assets | $33,766,000 | 5,768 |
| Average equity | $2,935,000 | 5,954 |
| Average total loans | $18,623,000 | 5,729 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2367% | 5,461 |
| Cost of funding earning assets | 0.2096% | 5,198 |
| Net interest margin | 3.0271% | 5,068 |
| Noninterest income to average assets | 0.5862% | 2,795 |
| Noninterest expense to average assets | 2.8370% | 3,087 |
| Loan and lease loss provision to assets | 0.0598% | 3,112 |
| Net operating income to assets | 0.5610% | 4,461 |
| Return on assets (ROA) | 0.6004% | 4,368 |
| Pretax return on assets | 0.6061% | 4,821 |
| Return on Equity (ROE) | 7.3905% | 3,310 |
| Retained earnings to average equity (ytd only) | 3.8879% | 3,271 |
| Net charge-offs to loans | 0.1821% | 1,579 |
| Credit loss provision to net charge-offs | 65.6250% | 3,191 |
| Earnings coverage of net charge-offs (x) | 6.8750% | 3,157 |
| Efficiency ratio | 81.9228% | 1,421 |
| Assets per employee ($millions) | 3.4951% | 4,847 |
| Cash dividends to net income (ytd only)* | 47.3934% | 2,452 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5214% | 5,905 |
| Loan loss allowance to noncurrent loans | 153.9683% | 2,756 |
| Noncurrent assets plus other real estate owned to assets | 0.1803% | 4,885 |
| Noncurrent loans to loans | 0.3387% | 4,250 |
| Net loans and leases to total assets | 52.9484% | 4,606 |
| Net loans and leases to deposits | 57.9181% | 4,915 |
| Net loans and leases to core deposits | 59.7990% | 4,994 |
| Total domestic deposits to total assets | 91.4194% | 192 |
| Equity capital to assets | 8.3717% | 5,652 |
| Core capital (leverage) ratio | 8.1136% | 5,769 |
| Tier 1 risk-based capital ratio | 17.6052% | 2,088 |
| Total risk-based capital ratio | 18.1951% | 2,250 |
| Memoranda: | ||
| Average total assets | $35,143,200 | 5,867 |
| Average earning assets | $33,398,200 | 5,830 |
| Average equity | $2,855,000 | 6,017 |
| Average total loans | $17,568,600 | 5,808 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2010% | 5,584 |
| Cost of funding earning assets | 0.2075% | 5,310 |
| Net interest margin | 2.9935% | 5,207 |
| Noninterest income to average assets | 0.5683% | 2,928 |
| Noninterest expense to average assets | 2.7393% | 3,430 |
| Loan and lease loss provision to assets | 0.0455% | 3,296 |
| Net operating income to assets | 0.6181% | 4,299 |
| Return on assets (ROA) | 0.6706% | 4,141 |
| Pretax return on assets | 0.6782% | 4,755 |
| Return on Equity (ROE) | 8.3176% | 2,919 |
| Retained earnings to average equity (ytd only) | 3.6183% | 3,894 |
| Net charge-offs to loans | 0.2234% | 1,166 |
| Credit loss provision to net charge-offs | 41.3793% | 3,150 |
| Earnings coverage of net charge-offs (x) | 6.1027% | 3,102 |
| Efficiency ratio | 80.3333% | 1,613 |
| Assets per employee ($millions) | 3.6306% | 4,555 |
| Cash dividends to net income (ytd only)* | 56.4982% | 1,579 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4948% | 6,024 |
| Loan loss allowance to noncurrent loans | 413.6364% | 1,214 |
| Noncurrent assets plus other real estate owned to assets | 0.0606% | 5,529 |
| Noncurrent loans to loans | 0.1196% | 5,149 |
| Net loans and leases to total assets | 50.4021% | 4,901 |
| Net loans and leases to deposits | 54.8893% | 5,195 |
| Net loans and leases to core deposits | 56.5919% | 5,277 |
| Total domestic deposits to total assets | 91.8250% | 113 |
| Equity capital to assets | 7.9987% | 5,954 |
| Core capital (leverage) ratio | 7.9898% | 5,909 |
| Tier 1 risk-based capital ratio | 17.3394% | 2,242 |
| Total risk-based capital ratio | 17.8909% | 2,466 |
| Memoranda: | ||
| Average total assets | $35,191,250 | 5,948 |
| Average earning assets | $33,405,500 | 5,904 |
| Average equity | $2,837,250 | 6,101 |
| Average total loans | $17,310,000 | 5,889 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1548% | 5,677 |
| Cost of funding earning assets | 0.2043% | 5,400 |
| Net interest margin | 2.9505% | 5,337 |
| Noninterest income to average assets | 0.5572% | 2,995 |
| Noninterest expense to average assets | 2.7686% | 3,353 |
| Loan and lease loss provision to assets | 0.0689% | 2,737 |
| Net operating income to assets | 0.5298% | 4,650 |
| Return on assets (ROA) | 0.5974% | 4,452 |
| Pretax return on assets | 0.6089% | 4,953 |
| Return on Equity (ROE) | 7.3890% | 3,381 |
| Retained earnings to average equity (ytd only) | 3.8366% | 3,558 |
| Net charge-offs to loans | -0.0118% | 4,978 |
| Credit loss provision to net charge-offs | -1,200.0000% | 5,385 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.9728% | 1,490 |
| Assets per employee ($millions) | 3.4898% | 4,817 |
| Cash dividends to net income (ytd only)* | 48.0769% | 2,019 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7017% | 5,816 |
| Loan loss allowance to noncurrent loans | 576.1905% | 915 |
| Noncurrent assets plus other real estate owned to assets | 0.0602% | 5,622 |
| Noncurrent loans to loans | 0.1218% | 5,268 |
| Net loans and leases to total assets | 49.0630% | 5,007 |
| Net loans and leases to deposits | 53.3995% | 5,290 |
| Net loans and leases to core deposits | 54.4195% | 5,396 |
| Total domestic deposits to total assets | 91.8792% | 138 |
| Equity capital to assets | 7.9947% | 5,986 |
| Core capital (leverage) ratio | 7.9508% | 5,955 |
| Tier 1 risk-based capital ratio | 17.9570% | 2,072 |
| Total risk-based capital ratio | 18.7223% | 2,188 |
| Memoranda: | ||
| Average total assets | $34,819,670 | 6,017 |
| Average earning assets | $33,282,670 | 5,971 |
| Average equity | $2,815,000 | 6,171 |
| Average total loans | $16,950,000 | 5,968 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1078% | 5,772 |
| Cost of funding earning assets | 0.1912% | 5,589 |
| Net interest margin | 2.9165% | 5,417 |
| Noninterest income to average assets | 0.5405% | 3,021 |
| Noninterest expense to average assets | 2.7602% | 3,384 |
| Loan and lease loss provision to assets | 0.0690% | 2,563 |
| Net operating income to assets | 0.4973% | 4,695 |
| Return on assets (ROA) | 0.5635% | 4,537 |
| Pretax return on assets | 0.5865% | 4,952 |
| Return on Equity (ROE) | 6.9319% | 3,545 |
| Retained earnings to average equity (ytd only) | 6.9319% | 2,039 |
| Net charge-offs to loans | -0.0238% | 5,126 |
| Credit loss provision to net charge-offs | -600.0000% | 4,855 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.4742% | 1,565 |
| Assets per employee ($millions) | 3.4861% | 4,921 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6832% | 5,934 |
| Loan loss allowance to noncurrent loans | 407.1429% | 1,187 |
| Noncurrent assets plus other real estate owned to assets | 0.0803% | 5,619 |
| Noncurrent loans to loans | 0.1678% | 5,167 |
| Net loans and leases to total assets | 47.5374% | 5,080 |
| Net loans and leases to deposits | 51.9368% | 5,338 |
| Net loans and leases to core deposits | 51.9368% | 5,494 |
| Total domestic deposits to total assets | 91.5292% | 226 |
| Equity capital to assets | 8.2958% | 5,874 |
| Core capital (leverage) ratio | 8.0853% | 5,887 |
| Tier 1 risk-based capital ratio | 19.1406% | 1,830 |
| Total risk-based capital ratio | 19.9108% | 1,911 |
| Memoranda: | ||
| Average total assets | $34,780,500 | 6,081 |
| Average earning assets | $33,464,500 | 6,026 |
| Average equity | $2,827,500 | 6,232 |
| Average total loans | $16,803,500 | 6,026 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7289% | 6,247 |
| Cost of funding earning assets | 0.1935% | 5,804 |
| Net interest margin | 2.5355% | 6,124 |
| Noninterest income to average assets | 0.5750% | 3,023 |
| Noninterest expense to average assets | 2.6175% | 4,153 |
| Loan and lease loss provision to assets | -0.2575% | 6,341 |
| Net operating income to assets | 0.6844% | 3,970 |
| Return on assets (ROA) | 0.7523% | 3,719 |
| Pretax return on assets | 0.7581% | 4,410 |
| Return on Equity (ROE) | 9.2854% | 2,450 |
| Retained earnings to average equity (ytd only) | -0.4237% | 5,837 |
| Net charge-offs to loans | 0.0245% | 4,346 |
| Credit loss provision to net charge-offs | -2,250.0000% | 5,989 |
| Earnings coverage of net charge-offs (x) | 37.7500% | 1,137 |
| Efficiency ratio | 85.8349% | 1,189 |
| Assets per employee ($millions) | 3.4700% | 4,945 |
| Cash dividends to net income (ytd only)* | 104.5627% | 303 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6324% | 6,099 |
| Loan loss allowance to noncurrent loans | 50.4717% | 5,089 |
| Noncurrent assets plus other real estate owned to assets | 0.6110% | 3,758 |
| Noncurrent loans to loans | 1.2529% | 2,357 |
| Net loans and leases to total assets | 48.4553% | 5,115 |
| Net loans and leases to deposits | 53.5939% | 5,363 |
| Net loans and leases to core deposits | 53.5939% | 5,523 |
| Total domestic deposits to total assets | 90.4121% | 574 |
| Equity capital to assets | 7.9625% | 6,085 |
| Core capital (leverage) ratio | 7.8691% | 6,066 |
| Tier 1 risk-based capital ratio | 19.6015% | 1,684 |
| Total risk-based capital ratio | 20.3549% | 1,782 |
| Memoranda: | ||
| Average total assets | $34,957,600 | 6,159 |
| Average earning assets | $34,116,000 | 6,083 |
| Average equity | $2,832,400 | 6,298 |
| Average total loans | $16,308,600 | 6,114 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6422% | 6,360 |
| Cost of funding earning assets | 0.1912% | 5,901 |
| Net interest margin | 2.4509% | 6,263 |
| Noninterest income to average assets | 0.5520% | 3,192 |
| Noninterest expense to average assets | 2.4251% | 4,744 |
| Loan and lease loss provision to assets | 0.0457% | 3,474 |
| Net operating income to assets | 0.4683% | 5,000 |
| Return on assets (ROA) | 0.4683% | 5,076 |
| Pretax return on assets | 0.4721% | 5,401 |
| Return on Equity (ROE) | 5.7549% | 4,361 |
| Retained earnings to average equity (ytd only) | 5.7549% | 2,567 |
| Net charge-offs to loans | 0.0082% | 4,428 |
| Credit loss provision to net charge-offs | 1,200.0000% | 285 |
| Earnings coverage of net charge-offs (x) | 136.3383% | 444 |
| Efficiency ratio | 82.4062% | 1,563 |
| Assets per employee ($millions) | 3.6350% | 4,604 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2981% | 3,657 |
| Loan loss allowance to noncurrent loans | 338.0952% | 1,376 |
| Noncurrent assets plus other real estate owned to assets | 0.1733% | 5,504 |
| Noncurrent loans to loans | 0.3839% | 4,764 |
| Net loans and leases to total assets | 44.5557% | 5,487 |
| Net loans and leases to deposits | 48.4809% | 5,738 |
| Net loans and leases to core deposits | 48.4809% | 5,860 |
| Total domestic deposits to total assets | 91.9037% | 168 |
| Equity capital to assets | 7.9917% | 6,138 |
| Core capital (leverage) ratio | 8.1962% | 5,938 |
| Tier 1 risk-based capital ratio | 22.6051% | 1,175 |
| Total risk-based capital ratio | 23.8597% | 1,156 |
| Memoranda: | ||
| Average total assets | $35,022,000 | 6,230 |
| Average earning assets | $34,162,750 | 6,158 |
| Average equity | $2,849,750 | 6,371 |
| Average total loans | $16,155,500 | 6,186 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6035% | 6,437 |
| Cost of funding earning assets | 0.1948% | 5,953 |
| Net interest margin | 2.4087% | 6,352 |
| Noninterest income to average assets | 0.5495% | 3,127 |
| Noninterest expense to average assets | 2.4408% | 4,768 |
| Loan and lease loss provision to assets | 0.0694% | 2,879 |
| Net operating income to assets | 0.3933% | 5,249 |
| Return on assets (ROA) | 0.3933% | 5,317 |
| Pretax return on assets | 0.3991% | 5,565 |
| Return on Equity (ROE) | 4.8034% | 4,767 |
| Retained earnings to average equity (ytd only) | 4.8034% | 3,086 |
| Net charge-offs to loans | 0.0124% | 3,992 |
| Credit loss provision to net charge-offs | 1,200.0000% | 287 |
| Earnings coverage of net charge-offs (x) | 81.0000% | 654 |
| Efficiency ratio | 83.8966% | 1,532 |
| Assets per employee ($millions) | 3.4670% | 4,910 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3545% | 3,567 |
| Loan loss allowance to noncurrent loans | 343.5484% | 1,345 |
| Noncurrent assets plus other real estate owned to assets | 0.1788% | 5,603 |
| Noncurrent loans to loans | 0.3943% | 4,810 |
| Net loans and leases to total assets | 44.7419% | 5,481 |
| Net loans and leases to deposits | 48.8444% | 5,720 |
| Net loans and leases to core deposits | 48.8444% | 5,857 |
| Total domestic deposits to total assets | 91.6008% | 238 |
| Equity capital to assets | 8.3184% | 5,939 |
| Core capital (leverage) ratio | 8.3123% | 5,833 |
| Tier 1 risk-based capital ratio | 24.0470% | 977 |
| Total risk-based capital ratio | 25.3065% | 956 |
| Memoranda: | ||
| Average total assets | $34,579,330 | 6,299 |
| Average earning assets | $33,877,000 | 6,229 |
| Average equity | $2,831,330 | 6,424 |
| Average total loans | $16,071,000 | 6,237 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6147% | 6,508 |
| Cost of funding earning assets | 0.2011% | 5,984 |
| Net interest margin | 2.4136% | 6,410 |
| Noninterest income to average assets | 0.5328% | 3,172 |
| Noninterest expense to average assets | 2.4092% | 4,902 |
| Loan and lease loss provision to assets | 0.1042% | 2,182 |
| Net operating income to assets | 0.3706% | 5,230 |
| Return on assets (ROA) | 0.3706% | 5,295 |
| Pretax return on assets | 0.3822% | 5,506 |
| Return on Equity (ROE) | 4.5633% | 4,759 |
| Retained earnings to average equity (ytd only) | 4.5633% | 3,387 |
| Net charge-offs to loans | -0.0492% | 5,798 |
| Credit loss provision to net charge-offs | -450.0000% | 5,160 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.2000% | 1,765 |
| Assets per employee ($millions) | 3.4789% | 4,970 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3305% | 3,953 |
| Loan loss allowance to noncurrent loans | 365.5172% | 1,256 |
| Noncurrent assets plus other real estate owned to assets | 0.2587% | 5,406 |
| Noncurrent loans to loans | 0.3640% | 5,034 |
| Net loans and leases to total assets | 45.1924% | 5,411 |
| Net loans and leases to deposits | 49.2189% | 5,652 |
| Net loans and leases to core deposits | 49.2189% | 5,813 |
| Total domestic deposits to total assets | 91.8193% | 294 |
| Equity capital to assets | 8.1060% | 5,971 |
| Core capital (leverage) ratio | 7.9717% | 6,136 |
| Tier 1 risk-based capital ratio | 23.5780% | 1,062 |
| Total risk-based capital ratio | 24.8374% | 1,043 |
| Memoranda: | ||
| Average total assets | $34,534,000 | 6,364 |
| Average earning assets | $33,808,500 | 6,290 |
| Average equity | $2,805,000 | 6,488 |
| Average total loans | $16,244,000 | 6,296 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7015% | 6,545 |
| Cost of funding earning assets | 0.2485% | 5,973 |
| Net interest margin | 2.4530% | 6,409 |
| Noninterest income to average assets | 0.5640% | 3,303 |
| Noninterest expense to average assets | 2.4880% | 4,807 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.4753% | 4,838 |
| Return on assets (ROA) | 0.4753% | 4,986 |
| Pretax return on assets | 0.4781% | 5,265 |
| Return on Equity (ROE) | 5.9096% | 4,138 |
| Retained earnings to average equity (ytd only) | 2.3496% | 4,571 |
| Net charge-offs to loans | 0.0369% | 4,710 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 27.8333% | 1,259 |
| Efficiency ratio | 83.8803% | 1,638 |
| Assets per employee ($millions) | 3.4279% | 5,024 |
| Cash dividends to net income (ytd only)* | 60.2410% | 1,753 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2142% | 4,582 |
| Loan loss allowance to noncurrent loans | 2,233.3333% | 270 |
| Noncurrent assets plus other real estate owned to assets | 0.1196% | 5,970 |
| Noncurrent loans to loans | 0.0544% | 6,068 |
| Net loans and leases to total assets | 47.7056% | 5,322 |
| Net loans and leases to deposits | 51.9919% | 5,624 |
| Net loans and leases to core deposits | 51.9919% | 5,798 |
| Total domestic deposits to total assets | 91.7559% | 343 |
| Equity capital to assets | 8.1391% | 5,909 |
| Core capital (leverage) ratio | 7.6146% | 6,335 |
| Tier 1 risk-based capital ratio | 22.4849% | 1,177 |
| Total risk-based capital ratio | 23.7394% | 1,155 |
| Memoranda: | ||
| Average total assets | $34,927,000 | 6,419 |
| Average earning assets | $34,203,600 | 6,343 |
| Average equity | $2,809,000 | 6,571 |
| Average total loans | $16,269,600 | 6,359 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6773% | 6,630 |
| Cost of funding earning assets | 0.2600% | 6,017 |
| Net interest margin | 2.4174% | 6,500 |
| Noninterest income to average assets | 0.5206% | 3,670 |
| Noninterest expense to average assets | 2.4015% | 5,021 |
| Loan and lease loss provision to assets | 0.0342% | 4,332 |
| Net operating income to assets | 0.4484% | 5,029 |
| Return on assets (ROA) | 0.4484% | 5,168 |
| Pretax return on assets | 0.4522% | 5,492 |
| Return on Equity (ROE) | 5.5915% | 4,423 |
| Retained earnings to average equity (ytd only) | 5.5915% | 2,668 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.1579% | 1,689 |
| Assets per employee ($millions) | 3.6584% | 4,539 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3126% | 4,320 |
| Loan loss allowance to noncurrent loans | 568.4211% | 795 |
| Noncurrent assets plus other real estate owned to assets | 0.1913% | 5,865 |
| Noncurrent loans to loans | 0.2309% | 5,653 |
| Net loans and leases to total assets | 44.3910% | 5,695 |
| Net loans and leases to deposits | 48.1956% | 5,951 |
| Net loans and leases to core deposits | 48.1956% | 6,115 |
| Total domestic deposits to total assets | 92.1058% | 234 |
| Equity capital to assets | 7.8149% | 6,252 |
| Core capital (leverage) ratio | 8.0294% | 6,199 |
| Tier 1 risk-based capital ratio | 23.2979% | 1,096 |
| Total risk-based capital ratio | 24.5581% | 1,076 |
| Memoranda: | ||
| Average total assets | $35,089,000 | 6,483 |
| Average earning assets | $34,362,000 | 6,409 |
| Average equity | $2,813,750 | 6,639 |
| Average total loans | $16,198,500 | 6,428 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7112% | 6,663 |
| Cost of funding earning assets | 0.2776% | 6,000 |
| Net interest margin | 2.4336% | 6,522 |
| Noninterest income to average assets | 0.5262% | 3,658 |
| Noninterest expense to average assets | 2.4804% | 4,803 |
| Loan and lease loss provision to assets | 0.0520% | 3,943 |
| Net operating income to assets | 0.3700% | 5,333 |
| Return on assets (ROA) | 0.3700% | 5,507 |
| Pretax return on assets | 0.3758% | 5,691 |
| Return on Equity (ROE) | 4.5736% | 4,966 |
| Retained earnings to average equity (ytd only) | 4.5736% | 3,360 |
| Net charge-offs to loans | 0.0124% | 4,615 |
| Credit loss provision to net charge-offs | 900.0000% | 338 |
| Earnings coverage of net charge-offs (x) | 74.0000% | 609 |
| Efficiency ratio | 85.2883% | 1,488 |
| Assets per employee ($millions) | 3.4446% | 4,969 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3561% | 4,234 |
| Loan loss allowance to noncurrent loans | 467.3913% | 929 |
| Noncurrent assets plus other real estate owned to assets | 0.2264% | 5,809 |
| Noncurrent loans to loans | 0.2901% | 5,572 |
| Net loans and leases to total assets | 45.4015% | 5,599 |
| Net loans and leases to deposits | 49.4389% | 5,887 |
| Net loans and leases to core deposits | 49.4389% | 6,056 |
| Total domestic deposits to total assets | 91.8336% | 280 |
| Equity capital to assets | 8.1025% | 6,130 |
| Core capital (leverage) ratio | 8.1289% | 6,081 |
| Tier 1 risk-based capital ratio | 23.6760% | 1,036 |
| Total risk-based capital ratio | 24.9301% | 1,020 |
| Memoranda: | ||
| Average total assets | $34,590,670 | 6,536 |
| Average earning assets | $33,859,000 | 6,471 |
| Average equity | $2,798,670 | 6,695 |
| Average total loans | $16,112,670 | 6,470 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7711% | 6,696 |
| Cost of funding earning assets | 0.2948% | 6,009 |
| Net interest margin | 2.4763% | 6,535 |
| Noninterest income to average assets | 0.4962% | 3,795 |
| Noninterest expense to average assets | 2.4580% | 4,924 |
| Loan and lease loss provision to assets | 0.1039% | 2,950 |
| Net operating income to assets | 0.3577% | 5,316 |
| Return on assets (ROA) | 0.3577% | 5,456 |
| Pretax return on assets | 0.3577% | 5,692 |
| Return on Equity (ROE) | 4.4246% | 4,882 |
| Retained earnings to average equity (ytd only) | 4.4246% | 3,582 |
| Net charge-offs to loans | 0.0493% | 3,337 |
| Credit loss provision to net charge-offs | 450.0000% | 585 |
| Earnings coverage of net charge-offs (x) | 20.0000% | 1,198 |
| Efficiency ratio | 84.1897% | 1,739 |
| Assets per employee ($millions) | 3.4777% | 5,028 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3291% | 4,560 |
| Loan loss allowance to noncurrent loans | 455.3191% | 932 |
| Noncurrent assets plus other real estate owned to assets | 0.2272% | 5,887 |
| Noncurrent loans to loans | 0.2919% | 5,679 |
| Net loans and leases to total assets | 45.6825% | 5,469 |
| Net loans and leases to deposits | 49.7355% | 5,809 |
| Net loans and leases to core deposits | 50.1325% | 5,970 |
| Total domestic deposits to total assets | 91.8509% | 272 |
| Equity capital to assets | 8.1031% | 6,329 |
| Core capital (leverage) ratio | 7.8509% | 6,252 |
| Tier 1 risk-based capital ratio | 22.7805% | 1,192 |
| Total risk-based capital ratio | 24.0347% | 1,167 |
| Memoranda: | ||
| Average total assets | $34,663,000 | 6,600 |
| Average earning assets | $33,921,000 | 6,529 |
| Average equity | $2,802,500 | 6,761 |
| Average total loans | $16,242,000 | 6,524 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8782% | 6,826 |
| Cost of funding earning assets | 0.3762% | 6,075 |
| Net interest margin | 2.5020% | 6,713 |
| Noninterest income to average assets | 0.5800% | 3,390 |
| Noninterest expense to average assets | 2.6143% | 4,694 |
| Loan and lease loss provision to assets | 0.0429% | 5,317 |
| Net operating income to assets | 0.3743% | 5,205 |
| Return on assets (ROA) | 0.3743% | 5,432 |
| Pretax return on assets | 0.3743% | 5,644 |
| Return on Equity (ROE) | 4.6752% | 4,846 |
| Retained earnings to average equity (ytd only) | 1.1064% | 5,318 |
| Net charge-offs to loans | 0.0125% | 5,743 |
| Credit loss provision to net charge-offs | 750.0000% | 327 |
| Earnings coverage of net charge-offs (x) | 73.0000% | 509 |
| Efficiency ratio | 86.2394% | 1,407 |
| Assets per employee ($millions) | 3.4549% | 5,098 |
| Cash dividends to net income (ytd only)* | 76.3359% | 1,131 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2635% | 4,807 |
| Loan loss allowance to noncurrent loans | 450.0000% | 898 |
| Noncurrent assets plus other real estate owned to assets | 0.2258% | 5,995 |
| Noncurrent loans to loans | 0.2808% | 5,781 |
| Net loans and leases to total assets | 46.8205% | 5,532 |
| Net loans and leases to deposits | 51.0043% | 5,886 |
| Net loans and leases to core deposits | 51.4144% | 6,057 |
| Total domestic deposits to total assets | 91.7972% | 284 |
| Equity capital to assets | 8.0668% | 6,373 |
| Core capital (leverage) ratio | 7.5565% | 6,470 |
| Tier 1 risk-based capital ratio | 21.7374% | 1,317 |
| Total risk-based capital ratio | 22.9955% | 1,290 |
| Memoranda: | ||
| Average total assets | $34,999,800 | 6,629 |
| Average earning assets | $34,292,200 | 6,550 |
| Average equity | $2,802,000 | 6,820 |
| Average total loans | $15,999,800 | 6,601 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8560% | 6,954 |
| Cost of funding earning assets | 0.3875% | 6,189 |
| Net interest margin | 2.4685% | 6,846 |
| Noninterest income to average assets | 0.5620% | 3,532 |
| Noninterest expense to average assets | 2.5631% | 4,869 |
| Loan and lease loss provision to assets | 0.0570% | 5,022 |
| Net operating income to assets | 0.3607% | 5,402 |
| Return on assets (ROA) | 0.3607% | 5,604 |
| Pretax return on assets | 0.3607% | 5,811 |
| Return on Equity (ROE) | 4.5143% | 5,041 |
| Retained earnings to average equity (ytd only) | 4.5143% | 3,722 |
| Net charge-offs to loans | -0.0168% | 6,463 |
| Credit loss provision to net charge-offs | -750.0000% | 6,496 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.9873% | 1,379 |
| Assets per employee ($millions) | 3.6730% | 4,600 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3391% | 4,635 |
| Loan loss allowance to noncurrent loans | 242.5287% | 1,484 |
| Noncurrent assets plus other real estate owned to assets | 0.3240% | 5,886 |
| Noncurrent loans to loans | 0.5521% | 5,339 |
| Net loans and leases to total assets | 42.3251% | 6,098 |
| Net loans and leases to deposits | 45.9791% | 6,387 |
| Net loans and leases to core deposits | 46.3258% | 6,499 |
| Total domestic deposits to total assets | 92.0528% | 201 |
| Equity capital to assets | 7.7974% | 6,677 |
| Core capital (leverage) ratio | 7.7923% | 6,472 |
| Tier 1 risk-based capital ratio | 23.2672% | 1,136 |
| Total risk-based capital ratio | 24.5252% | 1,110 |
| Memoranda: | ||
| Average total assets | $35,112,500 | 6,715 |
| Average earning assets | $34,406,250 | 6,629 |
| Average equity | $2,805,750 | 6,908 |
| Average total loans | $15,904,000 | 6,689 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8843% | 7,020 |
| Cost of funding earning assets | 0.4070% | 6,227 |
| Net interest margin | 2.4773% | 6,909 |
| Noninterest income to average assets | 0.5669% | 3,479 |
| Noninterest expense to average assets | 2.6263% | 4,691 |
| Loan and lease loss provision to assets | 0.0868% | 4,501 |
| Net operating income to assets | 0.2835% | 5,666 |
| Return on assets (ROA) | 0.2835% | 5,868 |
| Pretax return on assets | 0.2835% | 5,987 |
| Return on Equity (ROE) | 3.5172% | 5,469 |
| Retained earnings to average equity (ytd only) | 3.5172% | 4,250 |
| Net charge-offs to loans | -0.0251% | 6,481 |
| Credit loss provision to net charge-offs | -750.0000% | 6,358 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.6448% | 1,267 |
| Assets per employee ($millions) | 3.4981% | 4,989 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3212% | 4,797 |
| Loan loss allowance to noncurrent loans | 234.4444% | 1,481 |
| Noncurrent assets plus other real estate owned to assets | 0.3488% | 5,901 |
| Noncurrent loans to loans | 0.5636% | 5,380 |
| Net loans and leases to total assets | 45.0502% | 5,918 |
| Net loans and leases to deposits | 49.0751% | 6,234 |
| Net loans and leases to core deposits | 49.4648% | 6,370 |
| Total domestic deposits to total assets | 91.7984% | 258 |
| Equity capital to assets | 8.0444% | 6,540 |
| Core capital (leverage) ratio | 8.0132% | 6,261 |
| Tier 1 risk-based capital ratio | 22.6389% | 1,181 |
| Total risk-based capital ratio | 23.8915% | 1,169 |
| Memoranda: | ||
| Average total assets | $34,573,330 | 6,774 |
| Average earning assets | $33,907,330 | 6,689 |
| Average equity | $2,786,330 | 6,954 |
| Average total loans | $15,953,000 | 6,735 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8851% | 7,084 |
| Cost of funding earning assets | 0.4156% | 6,336 |
| Net interest margin | 2.4696% | 6,974 |
| Noninterest income to average assets | 0.5237% | 3,755 |
| Noninterest expense to average assets | 2.7233% | 4,338 |
| Loan and lease loss provision to assets | 0.1047% | 4,032 |
| Net operating income to assets | 0.1164% | 6,204 |
| Return on assets (ROA) | 0.1164% | 6,332 |
| Pretax return on assets | 0.1164% | 6,358 |
| Return on Equity (ROE) | 1.4427% | 6,239 |
| Retained earnings to average equity (ytd only) | 1.4427% | 5,514 |
| Net charge-offs to loans | -0.0753% | 6,695 |
| Credit loss provision to net charge-offs | -300.0000% | 5,669 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.4901% | 907 |
| Assets per employee ($millions) | 3.4658% | 5,197 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3040% | 5,003 |
| Loan loss allowance to noncurrent loans | 234.0909% | 1,423 |
| Noncurrent assets plus other real estate owned to assets | 0.3462% | 6,019 |
| Noncurrent loans to loans | 0.5571% | 5,546 |
| Net loans and leases to total assets | 44.9853% | 5,896 |
| Net loans and leases to deposits | 48.9544% | 6,227 |
| Net loans and leases to core deposits | 49.3449% | 6,373 |
| Total domestic deposits to total assets | 91.8922% | 287 |
| Equity capital to assets | 7.9780% | 6,536 |
| Core capital (leverage) ratio | 7.8045% | 6,411 |
| Tier 1 risk-based capital ratio | 22.6972% | 1,172 |
| Total risk-based capital ratio | 23.9544% | 1,151 |
| Memoranda: | ||
| Average total assets | $34,369,500 | 6,836 |
| Average earning assets | $33,690,000 | 6,752 |
| Average equity | $2,772,500 | 7,007 |
| Average total loans | $15,944,500 | 6,802 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3981% | 7,053 |
| Cost of funding earning assets | 0.5365% | 6,398 |
| Net interest margin | 2.8616% | 6,749 |
| Noninterest income to average assets | 0.6814% | 2,713 |
| Noninterest expense to average assets | 2.7838% | 4,406 |
| Loan and lease loss provision to assets | 0.1013% | 5,321 |
| Net operating income to assets | 0.5954% | 4,021 |
| Return on assets (ROA) | 0.5954% | 4,204 |
| Pretax return on assets | 0.5954% | 4,710 |
| Return on Equity (ROE) | 6.8199% | 3,480 |
| Retained earnings to average equity (ytd only) | 1.5468% | 5,105 |
| Net charge-offs to loans | 0.0458% | 5,847 |
| Credit loss provision to net charge-offs | 471.4286% | 478 |
| Earnings coverage of net charge-offs (x) | 32.4286% | 793 |
| Efficiency ratio | 79.9824% | 2,305 |
| Assets per employee ($millions) | 3.4081% | 5,225 |
| Cash dividends to net income (ytd only)* | 77.3196% | 864 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2056% | 5,363 |
| Loan loss allowance to noncurrent loans | 204.2105% | 1,615 |
| Noncurrent assets plus other real estate owned to assets | 0.5311% | 5,642 |
| Noncurrent loans to loans | 0.5904% | 5,534 |
| Net loans and leases to total assets | 46.6477% | 5,951 |
| Net loans and leases to deposits | 50.9404% | 6,295 |
| Net loans and leases to core deposits | 51.3534% | 6,461 |
| Total domestic deposits to total assets | 91.5730% | 313 |
| Equity capital to assets | 8.1570% | 6,479 |
| Core capital (leverage) ratio | 7.7371% | 6,510 |
| Tier 1 risk-based capital ratio | 21.8055% | 1,262 |
| Total risk-based capital ratio | 23.0583% | 1,233 |
| Memoranda: | ||
| Average total assets | $32,580,800 | 6,905 |
| Average earning assets | $31,870,800 | 6,815 |
| Average equity | $2,844,600 | 7,046 |
| Average total loans | $15,271,400 | 6,891 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4746% | 7,096 |
| Cost of funding earning assets | 0.5587% | 6,483 |
| Net interest margin | 2.9159% | 6,728 |
| Noninterest income to average assets | 0.6210% | 3,048 |
| Noninterest expense to average assets | 2.7738% | 4,451 |
| Loan and lease loss provision to assets | 0.1118% | 5,031 |
| Net operating income to assets | 0.5879% | 4,142 |
| Return on assets (ROA) | 0.5879% | 4,322 |
| Pretax return on assets | 0.5879% | 4,854 |
| Return on Equity (ROE) | 6.6182% | 3,707 |
| Retained earnings to average equity (ytd only) | 6.6182% | 2,190 |
| Net charge-offs to loans | -0.0177% | 6,884 |
| Credit loss provision to net charge-offs | -1,350.0000% | 6,792 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.8570% | 2,269 |
| Assets per employee ($millions) | 3.4560% | 5,109 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2785% | 5,107 |
| Loan loss allowance to noncurrent loans | 147.0149% | 2,075 |
| Noncurrent assets plus other real estate owned to assets | 0.5440% | 5,747 |
| Noncurrent loans to loans | 0.8696% | 5,124 |
| Net loans and leases to total assets | 44.0162% | 6,331 |
| Net loans and leases to deposits | 48.1957% | 6,613 |
| Net loans and leases to core deposits | 48.5820% | 6,736 |
| Total domestic deposits to total assets | 91.3281% | 337 |
| Equity capital to assets | 8.4028% | 6,393 |
| Core capital (leverage) ratio | 8.3612% | 5,907 |
| Tier 1 risk-based capital ratio | 23.9240% | 1,018 |
| Total risk-based capital ratio | 25.1818% | 1,001 |
| Memoranda: | ||
| Average total assets | $32,205,750 | 6,975 |
| Average earning assets | $31,504,000 | 6,888 |
| Average equity | $2,860,750 | 7,105 |
| Average total loans | $15,066,250 | 6,968 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6179% | 7,086 |
| Cost of funding earning assets | 0.5867% | 6,517 |
| Net interest margin | 3.0312% | 6,549 |
| Noninterest income to average assets | 0.6556% | 2,793 |
| Noninterest expense to average assets | 2.8580% | 4,200 |
| Loan and lease loss provision to assets | 0.1146% | 4,856 |
| Net operating income to assets | 0.6429% | 3,835 |
| Return on assets (ROA) | 0.6429% | 3,960 |
| Pretax return on assets | 0.6429% | 4,597 |
| Return on Equity (ROE) | 7.0969% | 3,407 |
| Retained earnings to average equity (ytd only) | 7.0969% | 1,834 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.0493% | 2,549 |
| Assets per employee ($millions) | 3.2406% | 5,544 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2475% | 5,324 |
| Loan loss allowance to noncurrent loans | 132.8571% | 2,215 |
| Noncurrent assets plus other real estate owned to assets | 0.8054% | 5,273 |
| Noncurrent loans to loans | 0.9390% | 5,094 |
| Net loans and leases to total assets | 45.4360% | 6,317 |
| Net loans and leases to deposits | 49.9779% | 6,598 |
| Net loans and leases to core deposits | 50.4057% | 6,743 |
| Total domestic deposits to total assets | 90.9122% | 529 |
| Equity capital to assets | 8.8687% | 5,746 |
| Core capital (leverage) ratio | 8.6107% | 5,382 |
| Tier 1 risk-based capital ratio | 24.0822% | 997 |
| Total risk-based capital ratio | 25.3409% | 977 |
| Memoranda: | ||
| Average total assets | $31,421,000 | 7,061 |
| Average earning assets | $30,680,670 | 6,974 |
| Average equity | $2,846,330 | 7,168 |
| Average total loans | $14,952,000 | 7,040 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8163% | 6,933 |
| Cost of funding earning assets | 0.6096% | 6,571 |
| Net interest margin | 3.2068% | 6,049 |
| Noninterest income to average assets | 0.8018% | 2,026 |
| Noninterest expense to average assets | 2.9229% | 3,975 |
| Loan and lease loss provision to assets | 0.1164% | 4,556 |
| Net operating income to assets | 0.8924% | 2,602 |
| Return on assets (ROA) | 0.8924% | 2,661 |
| Pretax return on assets | 0.8924% | 3,524 |
| Return on Equity (ROE) | 9.7440% | 2,189 |
| Retained earnings to average equity (ytd only) | 9.7440% | 1,168 |
| Net charge-offs to loans | -0.0267% | 6,671 |
| Credit loss provision to net charge-offs | -900.0000% | 6,086 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3421% | 3,457 |
| Assets per employee ($millions) | 3.1222% | 5,896 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2197% | 5,530 |
| Loan loss allowance to noncurrent loans | 130.8824% | 2,244 |
| Noncurrent assets plus other real estate owned to assets | 0.8231% | 5,258 |
| Noncurrent loans to loans | 0.9319% | 5,171 |
| Net loans and leases to total assets | 46.1726% | 6,270 |
| Net loans and leases to deposits | 50.8806% | 6,558 |
| Net loans and leases to core deposits | 50.8806% | 6,737 |
| Total domestic deposits to total assets | 90.7469% | 742 |
| Equity capital to assets | 9.1058% | 5,037 |
| Core capital (leverage) ratio | 8.6036% | 5,260 |
| Tier 1 risk-based capital ratio | 24.3427% | 942 |
| Total risk-based capital ratio | 25.5947% | 927 |
| Memoranda: | ||
| Average total assets | $30,928,500 | 7,127 |
| Average earning assets | $30,186,000 | 7,045 |
| Average equity | $2,832,500 | 7,215 |
| Average total loans | $14,973,000 | 7,094 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0027% | 7,133 |
| Cost of funding earning assets | 0.6340% | 7,047 |
| Net interest margin | 3.3687% | 5,734 |
| Noninterest income to average assets | 0.7285% | 2,655 |
| Noninterest expense to average assets | 3.5375% | 2,077 |
| Loan and lease loss provision to assets | 0.2677% | 4,662 |
| Net operating income to assets | 0.1999% | 5,261 |
| Return on assets (ROA) | 0.1999% | 5,438 |
| Pretax return on assets | 0.1999% | 5,488 |
| Return on Equity (ROE) | 2.0476% | 5,365 |
| Retained earnings to average equity (ytd only) | 2.0476% | 4,442 |
| Net charge-offs to loans | 0.4888% | 3,667 |
| Credit loss provision to net charge-offs | 109.7222% | 4,020 |
| Earnings coverage of net charge-offs (x) | 1.9167% | 4,291 |
| Efficiency ratio | 88.3249% | 1,455 |
| Assets per employee ($millions) | 3.0635% | 5,965 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0943% | 5,969 |
| Loan loss allowance to noncurrent loans | 63.1579% | 4,243 |
| Noncurrent assets plus other real estate owned to assets | 1.2633% | 4,504 |
| Noncurrent loans to loans | 1.7327% | 3,900 |
| Net loans and leases to total assets | 49.5642% | 6,203 |
| Net loans and leases to deposits | 54.7112% | 6,550 |
| Net loans and leases to core deposits | 54.7112% | 6,771 |
| Total domestic deposits to total assets | 90.5925% | 796 |
| Equity capital to assets | 9.2117% | 4,823 |
| Core capital (leverage) ratio | 8.5516% | 5,272 |
| Tier 1 risk-based capital ratio | 22.1185% | 1,156 |
| Total risk-based capital ratio | 23.3686% | 1,126 |
| Memoranda: | ||
| Average total assets | $29,512,600 | 7,220 |
| Average earning assets | $28,705,400 | 7,138 |
| Average equity | $2,881,400 | 7,307 |
| Average total loans | $14,729,200 | 7,174 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0387% | 7,263 |
| Cost of funding earning assets | 0.6387% | 7,206 |
| Net interest margin | 3.4000% | 5,685 |
| Noninterest income to average assets | 0.7435% | 2,558 |
| Noninterest expense to average assets | 3.8268% | 1,325 |
| Loan and lease loss provision to assets | 0.1232% | 5,795 |
| Net operating income to assets | 0.0958% | 5,786 |
| Return on assets (ROA) | 0.0958% | 5,928 |
| Pretax return on assets | 0.0958% | 5,917 |
| Return on Equity (ROE) | 0.9668% | 5,899 |
| Retained earnings to average equity (ytd only) | 0.9668% | 5,418 |
| Net charge-offs to loans | 0.0091% | 6,539 |
| Credit loss provision to net charge-offs | 2,700.0000% | 111 |
| Earnings coverage of net charge-offs (x) | 48.1203% | 582 |
| Efficiency ratio | 94.5885% | 971 |
| Assets per employee ($millions) | 3.0875% | 5,946 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2880% | 5,032 |
| Loan loss allowance to noncurrent loans | 46.9849% | 5,160 |
| Noncurrent assets plus other real estate owned to assets | 1.5061% | 4,199 |
| Noncurrent loans to loans | 2.7412% | 2,897 |
| Net loans and leases to total assets | 46.4194% | 6,660 |
| Net loans and leases to deposits | 51.3030% | 6,924 |
| Net loans and leases to core deposits | 51.3030% | 7,070 |
| Total domestic deposits to total assets | 90.4810% | 649 |
| Equity capital to assets | 9.2211% | 5,276 |
| Core capital (leverage) ratio | 8.8122% | 4,981 |
| Tier 1 risk-based capital ratio | 22.7498% | 1,101 |
| Total risk-based capital ratio | 24.0021% | 1,070 |
| Memoranda: | ||
| Average total assets | $29,232,000 | 7,319 |
| Average earning assets | $28,391,250 | 7,231 |
| Average equity | $2,896,250 | 7,396 |
| Average total loans | $14,573,500 | 7,279 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2005% | 7,171 |
| Cost of funding earning assets | 0.6689% | 7,258 |
| Net interest margin | 3.5316% | 5,122 |
| Noninterest income to average assets | 0.7600% | 2,325 |
| Noninterest expense to average assets | 4.0092% | 1,035 |
| Loan and lease loss provision to assets | 0.1255% | 5,632 |
| Net operating income to assets | 0.0488% | 5,992 |
| Return on assets (ROA) | 0.0488% | 6,096 |
| Pretax return on assets | 0.0488% | 6,075 |
| Return on Equity (ROE) | 0.4807% | 6,088 |
| Retained earnings to average equity (ytd only) | 0.4807% | 5,570 |
| Net charge-offs to loans | -0.0137% | 7,241 |
| Credit loss provision to net charge-offs | -1,800.0000% | 6,960 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.8333% | 973 |
| Assets per employee ($millions) | 2.8522% | 6,447 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2582% | 5,137 |
| Loan loss allowance to noncurrent loans | 225.0000% | 1,250 |
| Noncurrent assets plus other real estate owned to assets | 0.5154% | 6,178 |
| Noncurrent loans to loans | 0.5592% | 6,132 |
| Net loans and leases to total assets | 49.5267% | 6,488 |
| Net loans and leases to deposits | 55.2207% | 6,783 |
| Net loans and leases to core deposits | 55.2207% | 6,982 |
| Total domestic deposits to total assets | 89.6887% | 1,078 |
| Equity capital to assets | 10.0659% | 3,931 |
| Core capital (leverage) ratio | 9.2710% | 4,171 |
| Tier 1 risk-based capital ratio | 22.8446% | 1,083 |
| Total risk-based capital ratio | 24.1001% | 1,065 |
| Memoranda: | ||
| Average total assets | $28,684,330 | 7,397 |
| Average earning assets | $27,806,000 | 7,304 |
| Average equity | $2,912,670 | 7,444 |
| Average total loans | $14,591,670 | 7,332 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2471% | 7,211 |
| Cost of funding earning assets | 0.6911% | 7,351 |
| Net interest margin | 3.5561% | 4,918 |
| Noninterest income to average assets | 0.7370% | 2,370 |
| Noninterest expense to average assets | 3.2122% | 2,811 |
| Loan and lease loss provision to assets | 0.1251% | 5,328 |
| Net operating income to assets | 0.8343% | 2,820 |
| Return on assets (ROA) | 0.8343% | 2,916 |
| Pretax return on assets | 0.8343% | 3,730 |
| Return on Equity (ROE) | 8.1814% | 2,794 |
| Retained earnings to average equity (ytd only) | 8.1814% | 1,630 |
| Net charge-offs to loans | -0.0271% | 7,160 |
| Credit loss provision to net charge-offs | -900.0000% | 6,369 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.0000% | 3,060 |
| Assets per employee ($millions) | 2.8231% | 6,584 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1628% | 5,697 |
| Loan loss allowance to noncurrent loans | 136.8000% | 2,040 |
| Noncurrent assets plus other real estate owned to assets | 0.6801% | 5,812 |
| Noncurrent loans to loans | 0.8500% | 5,611 |
| Net loans and leases to total assets | 51.4860% | 6,322 |
| Net loans and leases to deposits | 57.5530% | 6,650 |
| Net loans and leases to core deposits | 57.5530% | 6,906 |
| Total domestic deposits to total assets | 89.4584% | 1,263 |
| Equity capital to assets | 10.3857% | 3,361 |
| Core capital (leverage) ratio | 9.3131% | 4,031 |
| Tier 1 risk-based capital ratio | 22.6892% | 1,121 |
| Total risk-based capital ratio | 23.9450% | 1,094 |
| Memoranda: | ||
| Average total assets | $28,765,500 | 7,487 |
| Average earning assets | $27,783,500 | 7,400 |
| Average equity | $2,933,500 | 7,512 |
| Average total loans | $14,734,500 | 7,419 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5384% | 7,349 |
| Cost of funding earning assets | 0.8827% | 7,433 |
| Net interest margin | 3.6558% | 4,330 |
| Noninterest income to average assets | 0.8460% | 2,198 |
| Noninterest expense to average assets | 3.3769% | 2,755 |
| Loan and lease loss provision to assets | 0.2275% | 5,550 |
| Net operating income to assets | 0.7749% | 2,621 |
| Return on assets (ROA) | 0.7749% | 2,715 |
| Pretax return on assets | 0.7749% | 3,323 |
| Return on Equity (ROE) | 7.2061% | 2,707 |
| Retained earnings to average equity (ytd only) | 2.2478% | 3,540 |
| Net charge-offs to loans | 0.0761% | 6,353 |
| Credit loss provision to net charge-offs | 581.8182% | 518 |
| Earnings coverage of net charge-offs (x) | 25.6364% | 869 |
| Efficiency ratio | 77.1104% | 3,346 |
| Assets per employee ($millions) | 2.9300% | 6,388 |
| Cash dividends to net income (ytd only)* | 68.8073% | 1,612 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0906% | 5,943 |
| Loan loss allowance to noncurrent loans | 133.0579% | 2,135 |
| Noncurrent assets plus other real estate owned to assets | 0.6416% | 5,853 |
| Noncurrent loans to loans | 0.8196% | 5,648 |
| Net loans and leases to total assets | 49.8362% | 6,659 |
| Net loans and leases to deposits | 55.5759% | 6,946 |
| Net loans and leases to core deposits | 57.7634% | 7,348 |
| Total domestic deposits to total assets | 89.6724% | 1,124 |
| Equity capital to assets | 10.0171% | 3,731 |
| Core capital (leverage) ratio | 8.8672% | 4,646 |
| Tier 1 risk-based capital ratio | 21.0650% | 1,277 |
| Total risk-based capital ratio | 22.3151% | 1,251 |
| Memoranda: | ||
| Average total assets | $28,132,200 | 7,540 |
| Average earning assets | $27,190,000 | 7,454 |
| Average equity | $3,025,200 | 7,579 |
| Average total loans | $14,454,400 | 7,480 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5934% | 7,425 |
| Cost of funding earning assets | 0.9365% | 7,502 |
| Net interest margin | 3.6569% | 4,247 |
| Noninterest income to average assets | 0.8237% | 2,321 |
| Noninterest expense to average assets | 3.3524% | 2,722 |
| Loan and lease loss provision to assets | 0.1293% | 6,059 |
| Net operating income to assets | 0.8764% | 2,515 |
| Return on assets (ROA) | 0.8764% | 2,590 |
| Pretax return on assets | 0.8764% | 3,293 |
| Return on Equity (ROE) | 8.0056% | 2,632 |
| Retained earnings to average equity (ytd only) | 8.0056% | 1,133 |
| Net charge-offs to loans | 0.0464% | 6,263 |
| Credit loss provision to net charge-offs | 540.0000% | 726 |
| Earnings coverage of net charge-offs (x) | 41.9775% | 723 |
| Efficiency ratio | 76.9231% | 3,333 |
| Assets per employee ($millions) | 2.9258% | 6,342 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8924% | 6,790 |
| Loan loss allowance to noncurrent loans | 4,333.3333% | 95 |
| Noncurrent assets plus other real estate owned to assets | 0.2393% | 6,921 |
| Noncurrent loans to loans | 0.0206% | 7,473 |
| Net loans and leases to total assets | 49.3472% | 6,841 |
| Net loans and leases to deposits | 55.3732% | 7,126 |
| Net loans and leases to core deposits | 57.4555% | 7,491 |
| Total domestic deposits to total assets | 89.1175% | 1,145 |
| Equity capital to assets | 10.5202% | 3,487 |
| Core capital (leverage) ratio | 9.4458% | 3,985 |
| Tier 1 risk-based capital ratio | 21.5011% | 1,291 |
| Total risk-based capital ratio | 22.5325% | 1,305 |
| Memoranda: | ||
| Average total assets | $27,840,250 | 7,616 |
| Average earning assets | $26,907,500 | 7,530 |
| Average equity | $3,047,750 | 7,647 |
| Average total loans | $14,377,250 | 7,547 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7319% | 7,347 |
| Cost of funding earning assets | 0.9994% | 7,552 |
| Net interest margin | 3.7325% | 3,820 |
| Noninterest income to average assets | 0.8039% | 2,391 |
| Noninterest expense to average assets | 3.3982% | 2,637 |
| Loan and lease loss provision to assets | 0.1315% | 5,774 |
| Net operating income to assets | 0.8769% | 2,554 |
| Return on assets (ROA) | 0.8769% | 2,657 |
| Pretax return on assets | 0.8769% | 3,415 |
| Return on Equity (ROE) | 7.9008% | 2,815 |
| Retained earnings to average equity (ytd only) | 7.9008% | 1,245 |
| Net charge-offs to loans | 0.0699% | 5,532 |
| Credit loss provision to net charge-offs | 360.0000% | 1,287 |
| Earnings coverage of net charge-offs (x) | 27.6000% | 1,052 |
| Efficiency ratio | 77.1144% | 3,492 |
| Assets per employee ($millions) | 2.8064% | 6,610 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8384% | 7,024 |
| Loan loss allowance to noncurrent loans | 6,050.0000% | 81 |
| Noncurrent assets plus other real estate owned to assets | 0.2459% | 6,868 |
| Noncurrent loans to loans | 0.0139% | 7,521 |
| Net loans and leases to total assets | 50.9942% | 6,785 |
| Net loans and leases to deposits | 57.3748% | 7,066 |
| Net loans and leases to core deposits | 59.3473% | 7,472 |
| Total domestic deposits to total assets | 88.8790% | 1,327 |
| Equity capital to assets | 10.7789% | 3,136 |
| Core capital (leverage) ratio | 9.6867% | 3,652 |
| Tier 1 risk-based capital ratio | 20.9448% | 1,409 |
| Total risk-based capital ratio | 21.9022% | 1,415 |
| Memoranda: | ||
| Average total assets | $27,367,670 | 7,710 |
| Average earning assets | $26,416,330 | 7,620 |
| Average equity | $3,037,670 | 7,716 |
| Average total loans | $14,313,670 | 7,631 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8684% | 7,249 |
| Cost of funding earning assets | 1.0750% | 7,552 |
| Net interest margin | 3.7934% | 3,467 |
| Noninterest income to average assets | 0.8142% | 2,260 |
| Noninterest expense to average assets | 3.6566% | 1,738 |
| Loan and lease loss provision to assets | 0.1332% | 5,255 |
| Net operating income to assets | 0.6810% | 3,658 |
| Return on assets (ROA) | 0.6810% | 3,842 |
| Pretax return on assets | 0.6810% | 4,496 |
| Return on Equity (ROE) | 6.0447% | 4,019 |
| Retained earnings to average equity (ytd only) | 6.0447% | 2,603 |
| Net charge-offs to loans | 0.1684% | 3,622 |
| Credit loss provision to net charge-offs | 150.0000% | 2,773 |
| Earnings coverage of net charge-offs (x) | 9.1667% | 2,096 |
| Efficiency ratio | 81.7881% | 2,560 |
| Assets per employee ($millions) | 2.6890% | 6,912 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7743% | 7,242 |
| Loan loss allowance to noncurrent loans | 1,387.5000% | 312 |
| Noncurrent assets plus other real estate owned to assets | 0.2789% | 6,671 |
| Noncurrent loans to loans | 0.0558% | 7,377 |
| Net loans and leases to total assets | 52.9007% | 6,590 |
| Net loans and leases to deposits | 59.7589% | 6,912 |
| Net loans and leases to core deposits | 62.1722% | 7,385 |
| Total domestic deposits to total assets | 88.5236% | 1,474 |
| Equity capital to assets | 11.2161% | 2,797 |
| Core capital (leverage) ratio | 9.4289% | 4,069 |
| Tier 1 risk-based capital ratio | 20.6101% | 1,503 |
| Total risk-based capital ratio | 21.4989% | 1,531 |
| Memoranda: | ||
| Average total assets | $27,019,500 | 7,765 |
| Average earning assets | $26,045,500 | 7,680 |
| Average equity | $3,044,000 | 7,766 |
| Average total loans | $14,254,500 | 7,673 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3298% | 7,564 |
| Cost of funding earning assets | 1.6037% | 7,442 |
| Net interest margin | 3.7261% | 4,355 |
| Noninterest income to average assets | 0.9205% | 1,887 |
| Noninterest expense to average assets | 3.5516% | 2,260 |
| Loan and lease loss provision to assets | 0.0690% | 6,528 |
| Net operating income to assets | 0.8821% | 3,083 |
| Return on assets (ROA) | 0.8821% | 2,923 |
| Pretax return on assets | 0.8821% | 3,787 |
| Return on Equity (ROE) | 8.0229% | 3,066 |
| Retained earnings to average equity (ytd only) | 4.5347% | 2,299 |
| Net charge-offs to loans | 0.1231% | 5,010 |
| Credit loss provision to net charge-offs | 105.8824% | 5,055 |
| Earnings coverage of net charge-offs (x) | 14.5882% | 2,026 |
| Efficiency ratio | 78.8756% | 2,778 |
| Assets per employee ($millions) | 2.7149% | 6,747 |
| Cash dividends to net income (ytd only)* | 43.4783% | 3,486 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7620% | 7,240 |
| Loan loss allowance to noncurrent loans | 1,200.0000% | 433 |
| Noncurrent assets plus other real estate owned to assets | 0.2799% | 6,465 |
| Noncurrent loans to loans | 0.0635% | 7,249 |
| Net loans and leases to total assets | 51.8067% | 6,858 |
| Net loans and leases to deposits | 58.6359% | 7,170 |
| Net loans and leases to core deposits | 60.9825% | 7,538 |
| Total domestic deposits to total assets | 88.3532% | 1,311 |
| Equity capital to assets | 11.3153% | 2,788 |
| Core capital (leverage) ratio | 8.9661% | 4,790 |
| Tier 1 risk-based capital ratio | 20.1515% | 1,592 |
| Total risk-based capital ratio | 21.0128% | 1,614 |
| Memoranda: | ||
| Average total assets | $26,073,000 | 7,802 |
| Average earning assets | $25,066,600 | 7,735 |
| Average equity | $2,866,800 | 7,876 |
| Average total loans | $13,809,200 | 7,715 |