Home > Harwood State Bank > Performance and Condition Ratios
Harwood State Bank, Performance and Condition Ratios
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2641% | 931 |
| Cost of funding earning assets | 1.3008% | 3,664 |
| Net interest margin | 4.9633% | 348 |
| Noninterest income to average assets | 0.1700% | 3,870 |
| Noninterest expense to average assets | 3.5326% | 560 |
| Loan and lease loss provision to assets | 0.0000% | 3,009 |
| Net operating income to assets | 0.9505% | 2,212 |
| Return on assets (ROA) | 0.9645% | 2,170 |
| Pretax return on assets | 0.9786% | 2,605 |
| Return on Equity (ROE) | 7.1300% | 3,001 |
| Retained earnings to average equity (ytd only) | 7.1254% | 1,695 |
| Net charge-offs to loans | 0.0311% | 1,704 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 56.8333% | 1,131 |
| Efficiency ratio | 64.0881% | 2,702 |
| Assets per employee ($millions) | 7.9468% | 1,552 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9726% | 3,378 |
| Loan loss allowance to noncurrent loans | 34.8522% | 3,681 |
| Noncurrent assets plus other real estate owned to assets | 1.7030% | 272 |
| Noncurrent loans to loans | 2.7907% | 230 |
| Net loans and leases to total assets | 60.4300% | 2,886 |
| Net loans and leases to deposits | 71.7945% | 2,828 |
| Net loans and leases to core deposits | 78.4054% | 2,924 |
| Total domestic deposits to total assets | 84.1700% | 2,552 |
| Equity capital to assets | 13.6721% | 802 |
| Core capital (leverage) ratio | 8.5160% | 4,091 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4254% | 2,702 |
| Memoranda: | ||
| Average total assets | $47,141,000 | 4,276 |
| Average earning assets | $41,100,750 | 4,274 |
| Average equity | $6,380,750 | 4,140 |
| Average total loans | $25,707,250 | 4,172 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2467% | 869 |
| Cost of funding earning assets | 1.1734% | 3,820 |
| Net interest margin | 5.0733% | 307 |
| Noninterest income to average assets | 0.1900% | 3,743 |
| Noninterest expense to average assets | 3.2452% | 768 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 1.3630% | 1,141 |
| Return on assets (ROA) | 1.3841% | 1,120 |
| Pretax return on assets | 1.4012% | 1,475 |
| Return on Equity (ROE) | 10.2600% | 2,095 |
| Retained earnings to average equity (ytd only) | 10.2610% | 821 |
| Net charge-offs to loans | 0.0570% | 1,198 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 46.2857% | 1,171 |
| Efficiency ratio | 56.0773% | 3,570 |
| Assets per employee ($millions) | 7.5992% | 1,677 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1793% | 2,345 |
| Loan loss allowance to noncurrent loans | 35.2060% | 3,680 |
| Noncurrent assets plus other real estate owned to assets | 1.7568% | 243 |
| Noncurrent loans to loans | 3.3498% | 151 |
| Net loans and leases to total assets | 51.8300% | 3,550 |
| Net loans and leases to deposits | 61.9397% | 3,476 |
| Net loans and leases to core deposits | 67.4430% | 3,486 |
| Total domestic deposits to total assets | 83.6700% | 2,698 |
| Equity capital to assets | 14.2055% | 643 |
| Core capital (leverage) ratio | 8.1600% | 4,276 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1816% | 2,179 |
| Memoranda: | ||
| Average total assets | $46,961,000 | 4,297 |
| Average earning assets | $41,078,000 | 4,294 |
| Average equity | $6,334,667 | 4,146 |
| Average total loans | $24,577,333 | 4,202 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2596% | 785 |
| Cost of funding earning assets | 1.1075% | 3,870 |
| Net interest margin | 5.1522% | 273 |
| Noninterest income to average assets | 0.2500% | 3,278 |
| Noninterest expense to average assets | 3.3247% | 699 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 1.3853% | 1,085 |
| Return on assets (ROA) | 1.3853% | 1,092 |
| Pretax return on assets | 1.4189% | 1,405 |
| Return on Equity (ROE) | 10.5400% | 1,967 |
| Retained earnings to average equity (ytd only) | 10.5372% | 992 |
| Net charge-offs to loans | -0.0161% | 4,059 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 56.4602% | 3,560 |
| Assets per employee ($millions) | 6.7831% | 2,218 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1446% | 2,567 |
| Loan loss allowance to noncurrent loans | 37.9085% | 3,698 |
| Noncurrent assets plus other real estate owned to assets | 1.6111% | 264 |
| Noncurrent loans to loans | 3.0193% | 167 |
| Net loans and leases to total assets | 52.7500% | 3,438 |
| Net loans and leases to deposits | 62.2796% | 3,384 |
| Net loans and leases to core deposits | 67.9038% | 3,431 |
| Total domestic deposits to total assets | 84.7000% | 2,508 |
| Equity capital to assets | 13.3482% | 784 |
| Core capital (leverage) ratio | 7.1845% | 4,489 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8827% | 2,617 |
| Memoranda: | ||
| Average total assets | $47,644,000 | 4,317 |
| Average earning assets | $41,536,000 | 4,320 |
| Average equity | $6,263,500 | 4,173 |
| Average total loans | $24,910,000 | 4,223 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5456% | 4,559 |
| Cost of funding earning assets | 0.2911% | 4,380 |
| Net interest margin | 2.2545% | 4,284 |
| Noninterest income to average assets | 0.0800% | 4,348 |
| Noninterest expense to average assets | 1.3899% | 4,396 |
| Loan and lease loss provision to assets | 0.6100% | 133 |
| Net operating income to assets | 0.1860% | 4,181 |
| Return on assets (ROA) | 0.1860% | 4,198 |
| Pretax return on assets | 0.1630% | 4,227 |
| Return on Equity (ROE) | 1.8100% | 4,173 |
| Retained earnings to average equity (ytd only) | 1.8059% | 3,623 |
| Net charge-offs to loans | -0.0037% | 3,774 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 51.7840% | 3,850 |
| Assets per employee ($millions) | 6.8294% | 2,186 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1804% | 2,402 |
| Loan loss allowance to noncurrent loans | 28,900.0000% | 56 |
| Noncurrent assets plus other real estate owned to assets | 0.0021% | 3,832 |
| Noncurrent loans to loans | 0.0041% | 3,764 |
| Net loans and leases to total assets | 50.6100% | 3,559 |
| Net loans and leases to deposits | 59.3732% | 3,564 |
| Net loans and leases to core deposits | 64.6069% | 3,558 |
| Total domestic deposits to total assets | 85.2400% | 2,230 |
| Equity capital to assets | 12.9461% | 868 |
| Core capital (leverage) ratio | 6.2389% | 4,538 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3855% | 2,742 |
| Memoranda: | ||
| Average total assets | $47,844,000 | 4,333 |
| Average earning assets | $44,311,400 | 4,305 |
| Average equity | $4,928,400 | 4,268 |
| Average total loans | $27,258,600 | 4,181 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.1699% | 4,606 |
| Cost of funding earning assets | 0.1392% | 4,486 |
| Net interest margin | 1.0307% | 4,558 |
| Noninterest income to average assets | 0.0400% | 4,484 |
| Noninterest expense to average assets | 0.5015% | 4,560 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.5071% | 3,748 |
| Return on assets (ROA) | 0.5071% | 3,748 |
| Pretax return on assets | 0.5071% | 3,893 |
| Return on Equity (ROE) | 5.2600% | 3,767 |
| Retained earnings to average equity (ytd only) | 5.2601% | 2,853 |
| Net charge-offs to loans | 0.0048% | 2,299 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 182.0000% | 640 |
| Efficiency ratio | 49.7238% | 3,937 |
| Assets per employee ($millions) | 6.9617% | 1,980 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0631% | 3,055 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 55.0000% | 3,288 |
| Net loans and leases to deposits | 64.7869% | 3,210 |
| Net loans and leases to core deposits | 67.2749% | 3,363 |
| Total domestic deposits to total assets | 84.8900% | 2,534 |
| Equity capital to assets | 12.8478% | 844 |
| Core capital (leverage) ratio | 8.7830% | 3,962 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1213% | 1,848 |
| Memoranda: | ||
| Average total assets | $47,853,500 | 4,350 |
| Average earning assets | $45,017,000 | 4,318 |
| Average equity | $4,613,250 | 4,307 |
| Average total loans | $27,952,500 | 4,188 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2800% | 3,131 |
| Cost of funding earning assets | 0.3999% | 4,167 |
| Net interest margin | 3.8802% | 1,460 |
| Noninterest income to average assets | 0.2400% | 3,497 |
| Noninterest expense to average assets | 2.3507% | 2,652 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | -1.1522% | 4,604 |
| Return on assets (ROA) | -1.1522% | 4,601 |
| Pretax return on assets | 1.6022% | 1,414 |
| Return on Equity (ROE) | -13.4800% | 4,592 |
| Retained earnings to average equity (ytd only) | -25.7874% | 4,596 |
| Net charge-offs to loans | 0.0212% | 1,464 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 127.0000% | 819 |
| Efficiency ratio | 59.4681% | 3,025 |
| Assets per employee ($millions) | 6.6477% | 2,178 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0417% | 3,238 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 58.3900% | 2,926 |
| Net loans and leases to deposits | 65.1387% | 3,119 |
| Net loans and leases to core deposits | 66.8603% | 3,298 |
| Total domestic deposits to total assets | 89.6400% | 1,038 |
| Equity capital to assets | 7.8416% | 3,321 |
| Core capital (leverage) ratio | 7.8949% | 4,437 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4776% | 2,105 |
| Memoranda: | ||
| Average total assets | $47,560,667 | 4,370 |
| Average earning assets | $45,513,667 | 4,334 |
| Average equity | $4,064,000 | 4,389 |
| Average total loans | $28,239,667 | 4,193 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1084% | 3,244 |
| Cost of funding earning assets | 0.3900% | 3,989 |
| Net interest margin | 3.7184% | 1,856 |
| Noninterest income to average assets | 0.2700% | 3,286 |
| Noninterest expense to average assets | 2.1550% | 3,240 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.6641% | 880 |
| Return on assets (ROA) | 1.6641% | 879 |
| Pretax return on assets | 1.6891% | 1,288 |
| Return on Equity (ROE) | 18.7300% | 921 |
| Retained earnings to average equity (ytd only) | 18.7288% | 455 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 56.0606% | 3,406 |
| Assets per employee ($millions) | 6.0991% | 2,680 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0128% | 3,464 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 57.8900% | 2,878 |
| Net loans and leases to deposits | 64.3182% | 3,058 |
| Net loans and leases to core deposits | 65.9199% | 3,235 |
| Total domestic deposits to total assets | 90.0000% | 1,155 |
| Equity capital to assets | 8.9828% | 2,536 |
| Core capital (leverage) ratio | 9.1816% | 3,550 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4784% | 1,501 |
| Memoranda: | ||
| Average total assets | $48,074,000 | 4,431 |
| Average earning assets | $46,149,500 | 4,388 |
| Average equity | $4,271,500 | 4,425 |
| Average total loans | $28,631,500 | 4,247 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2034% | 3,814 |
| Cost of funding earning assets | 0.3554% | 2,435 |
| Net interest margin | 2.8480% | 3,795 |
| Noninterest income to average assets | 0.1000% | 4,426 |
| Noninterest expense to average assets | 2.1928% | 3,047 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.4444% | 4,183 |
| Return on assets (ROA) | 0.4444% | 4,143 |
| Pretax return on assets | 0.6310% | 3,977 |
| Return on Equity (ROE) | 5.2200% | 3,980 |
| Retained earnings to average equity (ytd only) | 5.2170% | 2,957 |
| Net charge-offs to loans | -0.0250% | 4,136 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 77.6540% | 874 |
| Assets per employee ($millions) | 5.9194% | 2,832 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0060% | 3,339 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 60.0500% | 2,625 |
| Net loans and leases to deposits | 66.5255% | 2,855 |
| Net loans and leases to core deposits | 67.8751% | 3,021 |
| Total domestic deposits to total assets | 90.2700% | 1,250 |
| Equity capital to assets | 8.7847% | 2,502 |
| Core capital (leverage) ratio | 9.0319% | 3,651 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8390% | 1,677 |
| Memoranda: | ||
| Average total assets | $47,700,800 | 4,459 |
| Average earning assets | $45,576,400 | 4,422 |
| Average equity | $4,063,600 | 4,525 |
| Average total loans | $27,973,000 | 4,272 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0301% | 3,834 |
| Cost of funding earning assets | 0.3598% | 1,621 |
| Net interest margin | 2.6703% | 3,988 |
| Noninterest income to average assets | 0.0900% | 4,493 |
| Noninterest expense to average assets | 2.1316% | 3,127 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.3767% | 4,276 |
| Return on assets (ROA) | 0.3767% | 4,222 |
| Pretax return on assets | 0.5106% | 4,136 |
| Return on Equity (ROE) | 4.4600% | 4,084 |
| Retained earnings to average equity (ytd only) | 4.4559% | 3,305 |
| Net charge-offs to loans | -0.0288% | 4,124 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 80.6758% | 729 |
| Assets per employee ($millions) | 5.9554% | 2,804 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0039% | 3,458 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 59.6100% | 2,553 |
| Net loans and leases to deposits | 65.8375% | 2,734 |
| Net loans and leases to core deposits | 67.1562% | 2,867 |
| Total domestic deposits to total assets | 90.5400% | 1,427 |
| Equity capital to assets | 8.5154% | 2,537 |
| Core capital (leverage) ratio | 8.6463% | 3,929 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6159% | 1,840 |
| Memoranda: | ||
| Average total assets | $47,787,250 | 4,497 |
| Average earning assets | $45,586,000 | 4,456 |
| Average equity | $4,039,500 | 4,574 |
| Average total loans | $27,784,250 | 4,304 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8561% | 3,879 |
| Cost of funding earning assets | 0.3723% | 1,099 |
| Net interest margin | 2.4837% | 4,108 |
| Noninterest income to average assets | 0.0878% | 4,534 |
| Noninterest expense to average assets | 2.1616% | 2,967 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.2467% | 4,366 |
| Return on assets (ROA) | 0.2467% | 4,328 |
| Pretax return on assets | 0.2969% | 4,300 |
| Return on Equity (ROE) | 2.9254% | 4,222 |
| Retained earnings to average equity (ytd only) | 2.9254% | 3,470 |
| Net charge-offs to loans | -0.0437% | 4,184 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.9252% | 491 |
| Assets per employee ($millions) | 6.9507% | 1,972 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9875% | 3,654 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 59.3485% | 2,402 |
| Net loans and leases to deposits | 65.3584% | 2,601 |
| Net loans and leases to core deposits | 66.6297% | 2,770 |
| Total domestic deposits to total assets | 90.8046% | 1,338 |
| Equity capital to assets | 8.2561% | 2,938 |
| Core capital (leverage) ratio | 8.6078% | 3,843 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1722% | 1,985 |
| Memoranda: | ||
| Average total assets | $47,835,333 | 4,541 |
| Average earning assets | $45,657,000 | 4,514 |
| Average equity | $4,033,667 | 4,616 |
| Average total loans | $27,483,333 | 4,366 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7073% | 3,941 |
| Cost of funding earning assets | 0.3893% | 925 |
| Net interest margin | 2.3180% | 4,206 |
| Noninterest income to average assets | 0.0843% | 4,559 |
| Noninterest expense to average assets | 2.1254% | 3,063 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.1434% | 4,415 |
| Return on assets (ROA) | 0.1434% | 4,384 |
| Pretax return on assets | 0.1687% | 4,363 |
| Return on Equity (ROE) | 1.6823% | 4,315 |
| Retained earnings to average equity (ytd only) | 1.6823% | 3,637 |
| Net charge-offs to loans | -0.0901% | 4,427 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.6471% | 435 |
| Assets per employee ($millions) | 8.0293% | 1,345 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0276% | 3,598 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 57.5785% | 2,345 |
| Net loans and leases to deposits | 63.4716% | 2,580 |
| Net loans and leases to core deposits | 64.7140% | 2,741 |
| Total domestic deposits to total assets | 90.7153% | 1,173 |
| Equity capital to assets | 8.3278% | 3,306 |
| Core capital (leverage) ratio | 8.4812% | 3,885 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3101% | 2,073 |
| Memoranda: | ||
| Average total assets | $47,425,500 | 4,568 |
| Average earning assets | $45,211,500 | 4,543 |
| Average equity | $4,042,000 | 4,649 |
| Average total loans | $26,643,000 | 4,401 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7756% | 4,238 |
| Cost of funding earning assets | 0.4790% | 1,012 |
| Net interest margin | 2.2967% | 4,417 |
| Noninterest income to average assets | 0.1147% | 4,548 |
| Noninterest expense to average assets | 2.0861% | 3,419 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.1742% | 4,559 |
| Return on assets (ROA) | 0.1742% | 4,573 |
| Pretax return on assets | 0.1963% | 4,577 |
| Return on Equity (ROE) | 1.9021% | 4,508 |
| Retained earnings to average equity (ytd only) | -1.1076% | 4,584 |
| Net charge-offs to loans | 0.0615% | 1,166 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 6.3571% | 2,404 |
| Efficiency ratio | 91.4010% | 281 |
| Assets per employee ($millions) | 9.3350% | 835 |
| Cash dividends to net income (ytd only)* | 158.2278% | 72 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1164% | 3,292 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 53.5126% | 2,909 |
| Net loans and leases to deposits | 59.3165% | 3,143 |
| Net loans and leases to core deposits | 60.5195% | 3,282 |
| Total domestic deposits to total assets | 90.2153% | 860 |
| Equity capital to assets | 8.7242% | 3,865 |
| Core capital (leverage) ratio | 8.8959% | 3,515 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $45,348,000 | 4,607 |
| Average earning assets | $42,801,400 | 4,584 |
| Average equity | $4,153,200 | 4,694 |
| Average total loans | $22,759,200 | 4,518 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8124% | 4,286 |
| Cost of funding earning assets | 0.4965% | 1,063 |
| Net interest margin | 2.3159% | 4,481 |
| Noninterest income to average assets | 0.1155% | 4,596 |
| Noninterest expense to average assets | 2.0555% | 3,501 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.2577% | 4,571 |
| Return on assets (ROA) | 0.2577% | 4,593 |
| Pretax return on assets | 0.2429% | 4,638 |
| Return on Equity (ROE) | 2.7794% | 4,491 |
| Retained earnings to average equity (ytd only) | 2.7794% | 3,976 |
| Net charge-offs to loans | 0.0120% | 1,884 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 41.0000% | 1,353 |
| Efficiency ratio | 89.4330% | 339 |
| Assets per employee ($millions) | 8.8994% | 924 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2771% | 2,603 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 51.0754% | 3,294 |
| Net loans and leases to deposits | 57.1260% | 3,479 |
| Net loans and leases to core deposits | 58.3492% | 3,594 |
| Total domestic deposits to total assets | 89.4083% | 1,068 |
| Equity capital to assets | 9.4613% | 3,413 |
| Core capital (leverage) ratio | 9.2306% | 3,290 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $45,016,250 | 4,679 |
| Average earning assets | $42,429,750 | 4,650 |
| Average equity | $4,173,500 | 4,759 |
| Average total loans | $22,134,250 | 4,591 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8417% | 4,295 |
| Cost of funding earning assets | 0.5090% | 1,149 |
| Net interest margin | 2.3328% | 4,487 |
| Noninterest income to average assets | 0.1283% | 4,563 |
| Noninterest expense to average assets | 2.1200% | 3,333 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.2965% | 4,530 |
| Return on assets (ROA) | 0.2965% | 4,551 |
| Pretax return on assets | 0.1992% | 4,668 |
| Return on Equity (ROE) | 3.2201% | 4,441 |
| Retained earnings to average equity (ytd only) | 3.2201% | 3,771 |
| Net charge-offs to loans | -0.0092% | 3,638 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.4122% | 306 |
| Assets per employee ($millions) | 7.6645% | 1,388 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3424% | 2,233 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 47.4634% | 3,784 |
| Net loans and leases to deposits | 52.8857% | 3,938 |
| Net loans and leases to core deposits | 53.9698% | 4,023 |
| Total domestic deposits to total assets | 89.7471% | 896 |
| Equity capital to assets | 9.1113% | 3,699 |
| Core capital (leverage) ratio | 9.3278% | 3,097 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $45,189,333 | 4,703 |
| Average earning assets | $42,438,667 | 4,678 |
| Average equity | $4,161,333 | 4,791 |
| Average total loans | $21,838,667 | 4,633 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8634% | 4,298 |
| Cost of funding earning assets | 0.5310% | 1,196 |
| Net interest margin | 2.3324% | 4,485 |
| Noninterest income to average assets | 0.1161% | 4,604 |
| Noninterest expense to average assets | 2.0272% | 3,636 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.5180% | 4,140 |
| Return on assets (ROA) | 0.5180% | 4,177 |
| Pretax return on assets | 0.2858% | 4,615 |
| Return on Equity (ROE) | 5.5944% | 3,971 |
| Retained earnings to average equity (ytd only) | 5.5944% | 3,032 |
| Net charge-offs to loans | -0.0184% | 3,957 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.6448% | 462 |
| Assets per employee ($millions) | 7.5732% | 1,410 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4211% | 1,871 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 45.3399% | 4,016 |
| Net loans and leases to deposits | 50.6852% | 4,128 |
| Net loans and leases to core deposits | 51.7352% | 4,209 |
| Total domestic deposits to total assets | 89.4540% | 1,094 |
| Equity capital to assets | 9.1771% | 3,511 |
| Core capital (leverage) ratio | 9.2505% | 3,318 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $44,790,500 | 4,728 |
| Average earning assets | $42,187,500 | 4,698 |
| Average equity | $4,147,000 | 4,817 |
| Average total loans | $21,696,000 | 4,658 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3800% | 4,223 |
| Cost of funding earning assets | 0.6403% | 2,054 |
| Net interest margin | 2.7397% | 4,336 |
| Noninterest income to average assets | 0.2131% | 4,211 |
| Noninterest expense to average assets | 2.2828% | 3,453 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.3793% | 4,285 |
| Return on assets (ROA) | 0.3793% | 4,367 |
| Pretax return on assets | 0.5151% | 4,247 |
| Return on Equity (ROE) | 4.0131% | 4,153 |
| Retained earnings to average equity (ytd only) | 4.0131% | 2,811 |
| Net charge-offs to loans | -0.0170% | 4,388 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.5900% | 774 |
| Assets per employee ($millions) | 7.3570% | 1,361 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3160% | 2,335 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 50.2854% | 3,805 |
| Net loans and leases to deposits | 56.4378% | 3,969 |
| Net loans and leases to core deposits | 57.2693% | 4,083 |
| Total domestic deposits to total assets | 89.0988% | 944 |
| Equity capital to assets | 9.3426% | 3,751 |
| Core capital (leverage) ratio | 9.2823% | 3,340 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $42,711,200 | 4,739 |
| Average earning assets | $40,296,200 | 4,712 |
| Average equity | $4,036,800 | 4,839 |
| Average total loans | $23,514,000 | 4,653 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5871% | 4,044 |
| Cost of funding earning assets | 0.6483% | 2,336 |
| Net interest margin | 2.9388% | 4,111 |
| Noninterest income to average assets | 0.1259% | 4,662 |
| Noninterest expense to average assets | 2.2697% | 3,497 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.5005% | 4,035 |
| Return on assets (ROA) | 0.5005% | 4,122 |
| Pretax return on assets | 0.6390% | 4,030 |
| Return on Equity (ROE) | 5.2801% | 3,800 |
| Retained earnings to average equity (ytd only) | 5.2801% | 2,437 |
| Net charge-offs to loans | -0.0168% | 4,371 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.0303% | 1,035 |
| Assets per employee ($millions) | 7.4197% | 1,263 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2838% | 2,228 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 50.9524% | 4,034 |
| Net loans and leases to deposits | 57.1663% | 4,205 |
| Net loans and leases to core deposits | 57.9965% | 4,304 |
| Total domestic deposits to total assets | 89.1302% | 712 |
| Equity capital to assets | 9.2345% | 3,921 |
| Core capital (leverage) ratio | 9.2168% | 3,542 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $42,353,500 | 4,762 |
| Average earning assets | $40,105,500 | 4,740 |
| Average equity | $4,015,000 | 4,867 |
| Average total loans | $23,769,250 | 4,674 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7383% | 4,010 |
| Cost of funding earning assets | 0.6636% | 2,604 |
| Net interest margin | 3.0747% | 3,958 |
| Noninterest income to average assets | 0.1345% | 4,629 |
| Noninterest expense to average assets | 2.5749% | 2,756 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.3795% | 4,272 |
| Return on assets (ROA) | 0.3795% | 4,332 |
| Pretax return on assets | 0.4756% | 4,288 |
| Return on Equity (ROE) | 3.9669% | 4,115 |
| Retained earnings to average equity (ytd only) | 3.9669% | 2,925 |
| Net charge-offs to loans | -0.0166% | 4,356 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.4094% | 618 |
| Assets per employee ($millions) | 7.2138% | 1,321 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2506% | 2,250 |
| Loan loss allowance to noncurrent loans | 231.4961% | 1,924 |
| Noncurrent assets plus other real estate owned to assets | 0.2934% | 3,142 |
| Noncurrent loans to loans | 0.5402% | 2,550 |
| Net loans and leases to total assets | 53.6354% | 3,907 |
| Net loans and leases to deposits | 60.3426% | 4,097 |
| Net loans and leases to core deposits | 61.2565% | 4,200 |
| Total domestic deposits to total assets | 88.8848% | 790 |
| Equity capital to assets | 9.2877% | 3,843 |
| Core capital (leverage) ratio | 9.6518% | 3,186 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5305% | 1,624 |
| Memoranda: | ||
| Average total assets | $41,632,000 | 4,794 |
| Average earning assets | $39,483,333 | 4,767 |
| Average equity | $3,983,000 | 4,897 |
| Average total loans | $24,033,000 | 4,686 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9850% | 3,836 |
| Cost of funding earning assets | 0.6814% | 3,009 |
| Net interest margin | 3.3036% | 3,583 |
| Noninterest income to average assets | 0.1470% | 4,629 |
| Noninterest expense to average assets | 2.7055% | 2,694 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.4313% | 4,066 |
| Return on assets (ROA) | 0.4313% | 4,105 |
| Pretax return on assets | 0.5783% | 3,958 |
| Return on Equity (ROE) | 4.4394% | 3,837 |
| Retained earnings to average equity (ytd only) | 4.4394% | 2,516 |
| Net charge-offs to loans | -0.0165% | 4,263 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.3881% | 949 |
| Assets per employee ($millions) | 6.6677% | 1,253 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2231% | 2,543 |
| Loan loss allowance to noncurrent loans | 194.6667% | 2,114 |
| Noncurrent assets plus other real estate owned to assets | 0.3749% | 2,943 |
| Noncurrent loans to loans | 0.6283% | 2,417 |
| Net loans and leases to total assets | 58.9437% | 3,599 |
| Net loans and leases to deposits | 66.8908% | 3,803 |
| Net loans and leases to core deposits | 67.9901% | 3,990 |
| Total domestic deposits to total assets | 88.1193% | 1,058 |
| Equity capital to assets | 9.9610% | 3,826 |
| Core capital (leverage) ratio | 9.8056% | 3,642 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8738% | 1,636 |
| Memoranda: | ||
| Average total assets | $40,806,500 | 4,837 |
| Average earning assets | $38,745,500 | 4,805 |
| Average equity | $3,964,500 | 4,944 |
| Average total loans | $24,295,000 | 4,715 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3061% | 3,528 |
| Cost of funding earning assets | 0.6631% | 3,341 |
| Net interest margin | 3.6430% | 2,988 |
| Noninterest income to average assets | 0.2044% | 4,440 |
| Noninterest expense to average assets | 2.8127% | 2,560 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.5813% | 4,221 |
| Return on assets (ROA) | 0.5813% | 4,272 |
| Pretax return on assets | 0.7882% | 3,995 |
| Return on Equity (ROE) | 6.1535% | 3,865 |
| Retained earnings to average equity (ytd only) | 6.1535% | 1,791 |
| Net charge-offs to loans | -0.0075% | 4,402 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.1122% | 1,140 |
| Assets per employee ($millions) | 6.9345% | 1,064 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1773% | 2,562 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 58.7065% | 3,699 |
| Net loans and leases to deposits | 66.1790% | 3,946 |
| Net loans and leases to core deposits | 67.6902% | 4,098 |
| Total domestic deposits to total assets | 88.7086% | 786 |
| Equity capital to assets | 9.4792% | 4,371 |
| Core capital (leverage) ratio | 9.6077% | 3,955 |
| Tier 1 risk-based capital ratio | 14.0516% | 3,241 |
| Total risk-based capital ratio | 15.0905% | 3,250 |
| Memoranda: | ||
| Average total assets | $40,601,200 | 4,881 |
| Average earning assets | $37,853,600 | 4,864 |
| Average equity | $3,835,200 | 5,003 |
| Average total loans | $26,831,000 | 4,715 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3808% | 3,422 |
| Cost of funding earning assets | 0.6472% | 3,462 |
| Net interest margin | 3.7337% | 2,810 |
| Noninterest income to average assets | 0.2049% | 4,492 |
| Noninterest expense to average assets | 2.7228% | 2,799 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.7038% | 3,999 |
| Return on assets (ROA) | 0.7038% | 4,066 |
| Pretax return on assets | 0.9517% | 3,732 |
| Return on Equity (ROE) | 7.4577% | 3,524 |
| Retained earnings to average equity (ytd only) | 7.4577% | 1,646 |
| Net charge-offs to loans | -0.0049% | 4,197 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1007% | 1,552 |
| Assets per employee ($millions) | 5.7383% | 1,810 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0801% | 3,131 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 66.1223% | 3,037 |
| Net loans and leases to deposits | 74.8085% | 3,404 |
| Net loans and leases to core deposits | 76.5771% | 3,654 |
| Total domestic deposits to total assets | 88.3888% | 879 |
| Equity capital to assets | 9.7715% | 4,236 |
| Core capital (leverage) ratio | 9.6605% | 4,012 |
| Tier 1 risk-based capital ratio | 13.5567% | 3,539 |
| Total risk-based capital ratio | 14.5614% | 3,581 |
| Memoranda: | ||
| Average total assets | $40,349,750 | 4,960 |
| Average earning assets | $37,496,000 | 4,945 |
| Average equity | $3,808,000 | 5,082 |
| Average total loans | $27,359,500 | 4,766 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3513% | 3,488 |
| Cost of funding earning assets | 0.6193% | 3,557 |
| Net interest margin | 3.7319% | 2,825 |
| Noninterest income to average assets | 0.2079% | 4,500 |
| Noninterest expense to average assets | 2.7815% | 2,656 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.6533% | 4,155 |
| Return on assets (ROA) | 0.6533% | 4,206 |
| Pretax return on assets | 0.8859% | 3,886 |
| Return on Equity (ROE) | 7.0045% | 3,675 |
| Retained earnings to average equity (ytd only) | 7.0045% | 1,805 |
| Net charge-offs to loans | -0.0073% | 4,229 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.8435% | 1,414 |
| Assets per employee ($millions) | 6.6447% | 1,164 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0781% | 3,193 |
| Loan loss allowance to noncurrent loans | 245.7627% | 1,852 |
| Noncurrent assets plus other real estate owned to assets | 0.2960% | 3,365 |
| Noncurrent loans to loans | 0.4387% | 2,959 |
| Net loans and leases to total assets | 66.7402% | 3,012 |
| Net loans and leases to deposits | 75.3320% | 3,385 |
| Net loans and leases to core deposits | 77.1157% | 3,637 |
| Total domestic deposits to total assets | 88.5949% | 834 |
| Equity capital to assets | 9.6343% | 4,286 |
| Core capital (leverage) ratio | 9.6010% | 4,038 |
| Tier 1 risk-based capital ratio | 13.2191% | 3,725 |
| Total risk-based capital ratio | 14.2192% | 3,764 |
| Memoranda: | ||
| Average total assets | $40,410,330 | 5,000 |
| Average earning assets | $37,460,330 | 4,985 |
| Average equity | $3,769,000 | 5,125 |
| Average total loans | $27,529,330 | 4,796 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2718% | 3,642 |
| Cost of funding earning assets | 0.5981% | 3,586 |
| Net interest margin | 3.6738% | 2,993 |
| Noninterest income to average assets | 0.1770% | 4,688 |
| Noninterest expense to average assets | 2.5859% | 3,253 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.7374% | 3,812 |
| Return on assets (ROA) | 0.7374% | 3,862 |
| Pretax return on assets | 0.9734% | 3,527 |
| Return on Equity (ROE) | 8.0364% | 3,247 |
| Retained earnings to average equity (ytd only) | 8.0364% | 1,646 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6519% | 1,935 |
| Assets per employee ($millions) | 6.7250% | 1,128 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0636% | 3,337 |
| Loan loss allowance to noncurrent loans | 177.9141% | 2,388 |
| Noncurrent assets plus other real estate owned to assets | 0.4040% | 2,970 |
| Noncurrent loans to loans | 0.5978% | 2,546 |
| Net loans and leases to total assets | 66.8575% | 2,922 |
| Net loans and leases to deposits | 75.1804% | 3,336 |
| Net loans and leases to core deposits | 76.3723% | 3,636 |
| Total domestic deposits to total assets | 88.9294% | 889 |
| Equity capital to assets | 9.3581% | 4,378 |
| Core capital (leverage) ratio | 9.4039% | 4,250 |
| Tier 1 risk-based capital ratio | 12.8149% | 3,972 |
| Total risk-based capital ratio | 13.7993% | 4,014 |
| Memoranda: | ||
| Average total assets | $40,681,500 | 5,051 |
| Average earning assets | $37,454,500 | 5,039 |
| Average equity | $3,733,000 | 5,179 |
| Average total loans | $27,845,000 | 4,843 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0844% | 3,786 |
| Cost of funding earning assets | 0.5276% | 3,193 |
| Net interest margin | 3.5568% | 3,520 |
| Noninterest income to average assets | 0.1515% | 4,955 |
| Noninterest expense to average assets | 2.6134% | 3,297 |
| Loan and lease loss provision to assets | 0.0397% | 3,400 |
| Net operating income to assets | 0.7353% | 4,023 |
| Return on assets (ROA) | 0.7353% | 4,021 |
| Pretax return on assets | 0.7974% | 4,174 |
| Return on Equity (ROE) | 8.4072% | 3,264 |
| Retained earnings to average equity (ytd only) | 8.4072% | 1,078 |
| Net charge-offs to loans | 0.0384% | 2,628 |
| Credit loss provision to net charge-offs | 145.4545% | 1,870 |
| Earnings coverage of net charge-offs (x) | 30.6364% | 1,574 |
| Efficiency ratio | 75.7379% | 1,400 |
| Assets per employee ($millions) | 6.8355% | 1,052 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0168% | 3,579 |
| Loan loss allowance to noncurrent loans | 177.3006% | 2,427 |
| Noncurrent assets plus other real estate owned to assets | 0.3974% | 2,964 |
| Noncurrent loans to loans | 0.5735% | 2,561 |
| Net loans and leases to total assets | 68.5978% | 2,792 |
| Net loans and leases to deposits | 76.7807% | 3,291 |
| Net loans and leases to core deposits | 77.9724% | 3,584 |
| Total domestic deposits to total assets | 89.3424% | 715 |
| Equity capital to assets | 8.9971% | 4,575 |
| Core capital (leverage) ratio | 9.2341% | 4,413 |
| Tier 1 risk-based capital ratio | 12.0739% | 4,381 |
| Total risk-based capital ratio | 13.0175% | 4,461 |
| Memoranda: | ||
| Average total assets | $40,254,600 | 5,094 |
| Average earning assets | $37,336,800 | 5,083 |
| Average equity | $3,520,800 | 5,234 |
| Average total loans | $28,657,200 | 4,853 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0067% | 3,906 |
| Cost of funding earning assets | 0.5080% | 3,143 |
| Net interest margin | 3.4987% | 3,702 |
| Noninterest income to average assets | 0.1498% | 5,026 |
| Noninterest expense to average assets | 2.5125% | 3,551 |
| Loan and lease loss provision to assets | 0.0532% | 2,914 |
| Net operating income to assets | 0.6190% | 4,449 |
| Return on assets (ROA) | 0.6190% | 4,462 |
| Pretax return on assets | 0.8386% | 4,197 |
| Return on Equity (ROE) | 7.1292% | 3,889 |
| Retained earnings to average equity (ytd only) | 7.1292% | 2,061 |
| Net charge-offs to loans | 0.0511% | 2,102 |
| Credit loss provision to net charge-offs | 145.4545% | 1,756 |
| Earnings coverage of net charge-offs (x) | 24.3572% | 1,821 |
| Efficiency ratio | 73.8025% | 1,627 |
| Assets per employee ($millions) | 6.7565% | 1,043 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9672% | 3,958 |
| Loan loss allowance to noncurrent loans | 65.9091% | 4,070 |
| Noncurrent assets plus other real estate owned to assets | 1.0854% | 1,328 |
| Noncurrent loans to loans | 1.4674% | 1,109 |
| Net loans and leases to total assets | 73.2480% | 2,124 |
| Net loans and leases to deposits | 81.9801% | 2,819 |
| Net loans and leases to core deposits | 83.2628% | 3,217 |
| Total domestic deposits to total assets | 89.3485% | 719 |
| Equity capital to assets | 8.8039% | 4,722 |
| Core capital (leverage) ratio | 8.8904% | 4,811 |
| Tier 1 risk-based capital ratio | 11.2681% | 4,919 |
| Total risk-based capital ratio | 12.1789% | 4,971 |
| Memoranda: | ||
| Average total assets | $40,065,000 | 5,164 |
| Average earning assets | $37,270,250 | 5,149 |
| Average equity | $3,478,500 | 5,310 |
| Average total loans | $28,715,750 | 4,903 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9589% | 3,903 |
| Cost of funding earning assets | 0.4813% | 3,152 |
| Net interest margin | 3.4776% | 3,711 |
| Noninterest income to average assets | 0.1503% | 5,070 |
| Noninterest expense to average assets | 2.6010% | 3,323 |
| Loan and lease loss provision to assets | 0.0802% | 2,304 |
| Net operating income to assets | 0.5112% | 4,725 |
| Return on assets (ROA) | 0.5112% | 4,731 |
| Pretax return on assets | 0.6916% | 4,537 |
| Return on Equity (ROE) | 5.9159% | 4,269 |
| Retained earnings to average equity (ytd only) | 5.9159% | 2,601 |
| Net charge-offs to loans | 0.0848% | 1,486 |
| Credit loss provision to net charge-offs | 133.3333% | 1,692 |
| Earnings coverage of net charge-offs (x) | 12.8333% | 2,179 |
| Efficiency ratio | 77.1174% | 1,298 |
| Assets per employee ($millions) | 6.6470% | 1,101 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9836% | 3,937 |
| Loan loss allowance to noncurrent loans | 62.6898% | 4,150 |
| Noncurrent assets plus other real estate owned to assets | 1.1559% | 1,255 |
| Noncurrent loans to loans | 1.5690% | 1,041 |
| Net loans and leases to total assets | 72.9452% | 2,129 |
| Net loans and leases to deposits | 81.6320% | 2,804 |
| Net loans and leases to core deposits | 82.9281% | 3,167 |
| Total domestic deposits to total assets | 89.3586% | 786 |
| Equity capital to assets | 8.7583% | 4,756 |
| Core capital (leverage) ratio | 8.9258% | 4,748 |
| Tier 1 risk-based capital ratio | 11.2268% | 4,936 |
| Total risk-based capital ratio | 12.1528% | 4,996 |
| Memoranda: | ||
| Average total assets | $39,907,000 | 5,223 |
| Average earning assets | $36,979,670 | 5,214 |
| Average equity | $3,448,330 | 5,374 |
| Average total loans | $28,293,000 | 4,966 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8687% | 4,021 |
| Cost of funding earning assets | 0.4673% | 3,066 |
| Net interest margin | 3.4014% | 3,880 |
| Noninterest income to average assets | 0.1904% | 4,884 |
| Noninterest expense to average assets | 2.6153% | 3,294 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.5611% | 4,539 |
| Return on assets (ROA) | 0.5611% | 4,542 |
| Pretax return on assets | 0.7114% | 4,412 |
| Return on Equity (ROE) | 6.5382% | 3,965 |
| Retained earnings to average equity (ytd only) | 6.5382% | 2,481 |
| Net charge-offs to loans | -0.0288% | 4,720 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.6145% | 1,303 |
| Assets per employee ($millions) | 6.6908% | 1,095 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0611% | 3,597 |
| Loan loss allowance to noncurrent loans | 307.5269% | 1,619 |
| Noncurrent assets plus other real estate owned to assets | 0.2317% | 3,943 |
| Noncurrent loans to loans | 0.3451% | 3,531 |
| Net loans and leases to total assets | 66.4242% | 2,974 |
| Net loans and leases to deposits | 74.3137% | 3,385 |
| Net loans and leases to core deposits | 75.4791% | 3,710 |
| Total domestic deposits to total assets | 89.3835% | 925 |
| Equity capital to assets | 8.5914% | 4,906 |
| Core capital (leverage) ratio | 8.7749% | 4,921 |
| Tier 1 risk-based capital ratio | 11.7411% | 4,715 |
| Total risk-based capital ratio | 12.7122% | 4,777 |
| Memoranda: | ||
| Average total assets | $39,919,500 | 5,279 |
| Average earning assets | $36,808,000 | 5,270 |
| Average equity | $3,426,000 | 5,428 |
| Average total loans | $27,749,000 | 5,027 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7588% | 4,190 |
| Cost of funding earning assets | 0.3988% | 3,266 |
| Net interest margin | 3.3600% | 3,973 |
| Noninterest income to average assets | 0.2247% | 4,801 |
| Noninterest expense to average assets | 2.5838% | 3,493 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.5517% | 4,219 |
| Return on assets (ROA) | 0.5517% | 4,247 |
| Pretax return on assets | 0.7539% | 4,378 |
| Return on Equity (ROE) | 6.5377% | 3,511 |
| Retained earnings to average equity (ytd only) | 3.5795% | 3,126 |
| Net charge-offs to loans | 0.0217% | 3,377 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 50.3333% | 1,078 |
| Efficiency ratio | 77.4121% | 1,433 |
| Assets per employee ($millions) | 6.6157% | 1,138 |
| Cash dividends to net income (ytd only)* | 45.2489% | 2,570 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9984% | 3,968 |
| Loan loss allowance to noncurrent loans | 712.5000% | 831 |
| Noncurrent assets plus other real estate owned to assets | 0.1008% | 4,625 |
| Noncurrent loans to loans | 0.1401% | 4,365 |
| Net loans and leases to total assets | 71.1972% | 2,352 |
| Net loans and leases to deposits | 79.6511% | 2,954 |
| Net loans and leases to core deposits | 80.2254% | 3,401 |
| Total domestic deposits to total assets | 89.3863% | 829 |
| Equity capital to assets | 8.5731% | 5,064 |
| Core capital (leverage) ratio | 8.4385% | 5,187 |
| Tier 1 risk-based capital ratio | 11.2645% | 5,006 |
| Total risk-based capital ratio | 12.2082% | 5,052 |
| Memoranda: | ||
| Average total assets | $40,056,800 | 5,324 |
| Average earning assets | $37,112,600 | 5,317 |
| Average equity | $3,380,400 | 5,492 |
| Average total loans | $27,646,600 | 5,073 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6535% | 4,439 |
| Cost of funding earning assets | 0.3957% | 3,245 |
| Net interest margin | 3.2579% | 4,302 |
| Noninterest income to average assets | 0.2557% | 4,673 |
| Noninterest expense to average assets | 2.4642% | 3,843 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.5679% | 4,516 |
| Return on assets (ROA) | 0.5679% | 4,554 |
| Pretax return on assets | 0.8269% | 4,280 |
| Return on Equity (ROE) | 6.7558% | 3,786 |
| Retained earnings to average equity (ytd only) | 6.7558% | 1,818 |
| Net charge-offs to loans | 0.0340% | 2,751 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 35.5831% | 1,408 |
| Efficiency ratio | 74.8739% | 1,764 |
| Assets per employee ($millions) | 6.7730% | 1,041 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9970% | 4,080 |
| Loan loss allowance to noncurrent loans | 1,415.0000% | 460 |
| Noncurrent assets plus other real estate owned to assets | 0.0492% | 4,989 |
| Noncurrent loans to loans | 0.0705% | 4,794 |
| Net loans and leases to total assets | 69.1496% | 2,673 |
| Net loans and leases to deposits | 77.3301% | 3,239 |
| Net loans and leases to core deposits | 77.8745% | 3,644 |
| Total domestic deposits to total assets | 89.4212% | 687 |
| Equity capital to assets | 8.5167% | 5,277 |
| Core capital (leverage) ratio | 8.6360% | 5,119 |
| Tier 1 risk-based capital ratio | 11.2876% | 5,085 |
| Total risk-based capital ratio | 12.2127% | 5,158 |
| Memoranda: | ||
| Average total assets | $40,147,500 | 5,385 |
| Average earning assets | $37,405,750 | 5,371 |
| Average equity | $3,374,750 | 5,556 |
| Average total loans | $27,421,750 | 5,139 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5945% | 4,525 |
| Cost of funding earning assets | 0.3916% | 3,150 |
| Net interest margin | 3.2028% | 4,412 |
| Noninterest income to average assets | 0.2951% | 4,428 |
| Noninterest expense to average assets | 2.4510% | 3,914 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.5152% | 4,671 |
| Return on assets (ROA) | 0.5152% | 4,702 |
| Pretax return on assets | 0.8303% | 4,159 |
| Return on Equity (ROE) | 6.1566% | 3,978 |
| Retained earnings to average equity (ytd only) | 6.1566% | 2,032 |
| Net charge-offs to loans | 0.0517% | 2,183 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 23.7143% | 1,668 |
| Efficiency ratio | 74.6951% | 1,899 |
| Assets per employee ($millions) | 6.6913% | 1,058 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0358% | 3,927 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 67.3483% | 2,896 |
| Net loans and leases to deposits | 75.2882% | 3,429 |
| Net loans and leases to core deposits | 75.8223% | 3,791 |
| Total domestic deposits to total assets | 89.4540% | 743 |
| Equity capital to assets | 8.4537% | 5,334 |
| Core capital (leverage) ratio | 8.5905% | 5,149 |
| Tier 1 risk-based capital ratio | 11.2973% | 5,091 |
| Total risk-based capital ratio | 12.2418% | 5,156 |
| Memoranda: | ||
| Average total assets | $39,984,000 | 5,433 |
| Average earning assets | $37,279,670 | 5,411 |
| Average equity | $3,346,000 | 5,604 |
| Average total loans | $27,101,000 | 5,188 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5135% | 4,656 |
| Cost of funding earning assets | 0.3845% | 3,152 |
| Net interest margin | 3.1291% | 4,569 |
| Noninterest income to average assets | 0.4411% | 3,369 |
| Noninterest expense to average assets | 2.4961% | 3,822 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.6516% | 3,931 |
| Return on assets (ROA) | 0.6516% | 3,965 |
| Pretax return on assets | 0.8822% | 3,829 |
| Return on Equity (ROE) | 7.8266% | 3,009 |
| Retained earnings to average equity (ytd only) | 7.8266% | 1,535 |
| Net charge-offs to loans | 0.1037% | 1,337 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 12.5714% | 1,834 |
| Efficiency ratio | 73.8872% | 2,252 |
| Assets per employee ($millions) | 6.7602% | 1,054 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0710% | 3,879 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 64.4486% | 3,208 |
| Net loans and leases to deposits | 71.8692% | 3,617 |
| Net loans and leases to core deposits | 72.3726% | 3,955 |
| Total domestic deposits to total assets | 89.6748% | 808 |
| Equity capital to assets | 8.2715% | 5,372 |
| Core capital (leverage) ratio | 8.3883% | 5,318 |
| Tier 1 risk-based capital ratio | 11.5442% | 5,004 |
| Total risk-based capital ratio | 12.5203% | 5,062 |
| Memoranda: | ||
| Average total assets | $39,902,000 | 5,498 |
| Average earning assets | $37,455,000 | 5,472 |
| Average equity | $3,322,000 | 5,665 |
| Average total loans | $26,990,500 | 5,239 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8516% | 3,735 |
| Cost of funding earning assets | 0.3471% | 3,545 |
| Net interest margin | 3.5044% | 3,411 |
| Noninterest income to average assets | 0.1766% | 5,339 |
| Noninterest expense to average assets | 2.7297% | 3,253 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.5454% | 4,450 |
| Return on assets (ROA) | 0.5454% | 4,550 |
| Pretax return on assets | 0.7506% | 4,339 |
| Return on Equity (ROE) | 6.5757% | 3,700 |
| Retained earnings to average equity (ytd only) | 6.5757% | 1,417 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.4328% | 1,637 |
| Assets per employee ($millions) | 6.5405% | 1,133 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0524% | 3,996 |
| Loan loss allowance to noncurrent loans | 195.9459% | 2,290 |
| Noncurrent assets plus other real estate owned to assets | 0.3771% | 3,766 |
| Noncurrent loans to loans | 0.5371% | 3,240 |
| Net loans and leases to total assets | 69.4825% | 2,556 |
| Net loans and leases to deposits | 77.6240% | 3,148 |
| Net loans and leases to core deposits | 77.6240% | 3,596 |
| Total domestic deposits to total assets | 89.5115% | 851 |
| Equity capital to assets | 8.3811% | 5,362 |
| Core capital (leverage) ratio | 8.2332% | 5,486 |
| Tier 1 risk-based capital ratio | 11.0665% | 5,306 |
| Total risk-based capital ratio | 12.0441% | 5,342 |
| Memoranda: | ||
| Average total assets | $38,502,600 | 5,568 |
| Average earning assets | $36,296,800 | 5,536 |
| Average equity | $3,193,600 | 5,737 |
| Average total loans | $28,651,200 | 5,242 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8720% | 3,690 |
| Cost of funding earning assets | 0.3396% | 3,658 |
| Net interest margin | 3.5324% | 3,352 |
| Noninterest income to average assets | 0.1740% | 5,404 |
| Noninterest expense to average assets | 2.6062% | 3,643 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.5567% | 4,468 |
| Return on assets (ROA) | 0.5567% | 4,577 |
| Pretax return on assets | 0.8977% | 3,986 |
| Return on Equity (ROE) | 6.7302% | 3,706 |
| Retained earnings to average equity (ytd only) | 6.7302% | 1,766 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3793% | 2,207 |
| Assets per employee ($millions) | 6.5778% | 1,061 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0128% | 4,335 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 71.8170% | 2,220 |
| Net loans and leases to deposits | 80.1879% | 2,938 |
| Net loans and leases to core deposits | 80.1879% | 3,428 |
| Total domestic deposits to total assets | 89.5609% | 646 |
| Equity capital to assets | 8.2297% | 5,659 |
| Core capital (leverage) ratio | 8.2335% | 5,550 |
| Tier 1 risk-based capital ratio | 10.6451% | 5,550 |
| Total risk-based capital ratio | 11.6006% | 5,603 |
| Memoranda: | ||
| Average total assets | $38,317,500 | 5,624 |
| Average earning assets | $36,122,000 | 5,597 |
| Average equity | $3,169,750 | 5,801 |
| Average total loans | $28,924,750 | 5,280 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9367% | 3,477 |
| Cost of funding earning assets | 0.3318% | 3,776 |
| Net interest margin | 3.6049% | 3,084 |
| Noninterest income to average assets | 0.1687% | 5,478 |
| Noninterest expense to average assets | 2.6203% | 3,658 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.5799% | 4,355 |
| Return on assets (ROA) | 0.5799% | 4,480 |
| Pretax return on assets | 0.9279% | 3,841 |
| Return on Equity (ROE) | 6.9982% | 3,540 |
| Retained earnings to average equity (ytd only) | 6.9982% | 1,601 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8484% | 2,385 |
| Assets per employee ($millions) | 6.3603% | 1,164 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0251% | 4,379 |
| Loan loss allowance to noncurrent loans | 79.4521% | 4,132 |
| Noncurrent assets plus other real estate owned to assets | 0.9564% | 2,236 |
| Noncurrent loans to loans | 1.2902% | 1,751 |
| Net loans and leases to total assets | 73.3714% | 1,952 |
| Net loans and leases to deposits | 82.1355% | 2,697 |
| Net loans and leases to core deposits | 82.1355% | 3,256 |
| Total domestic deposits to total assets | 89.3297% | 751 |
| Equity capital to assets | 8.3827% | 5,660 |
| Core capital (leverage) ratio | 8.3235% | 5,517 |
| Tier 1 risk-based capital ratio | 10.7641% | 5,542 |
| Total risk-based capital ratio | 11.7454% | 5,587 |
| Memoranda: | ||
| Average total assets | $37,934,330 | 5,703 |
| Average earning assets | $35,562,330 | 5,673 |
| Average equity | $3,143,670 | 5,874 |
| Average total loans | $29,021,670 | 5,330 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0162% | 3,165 |
| Cost of funding earning assets | 0.3055% | 4,102 |
| Net interest margin | 3.7108% | 2,621 |
| Noninterest income to average assets | 0.1798% | 5,421 |
| Noninterest expense to average assets | 2.7393% | 3,277 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.6663% | 3,892 |
| Return on assets (ROA) | 0.6663% | 4,014 |
| Pretax return on assets | 0.9096% | 3,804 |
| Return on Equity (ROE) | 8.0873% | 2,861 |
| Retained earnings to average equity (ytd only) | 8.0873% | 1,418 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.0725% | 2,321 |
| Assets per employee ($millions) | 6.3087% | 1,215 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0183% | 4,501 |
| Loan loss allowance to noncurrent loans | 2,416.6667% | 276 |
| Noncurrent assets plus other real estate owned to assets | 0.0317% | 5,517 |
| Noncurrent loans to loans | 0.0421% | 5,323 |
| Net loans and leases to total assets | 74.4716% | 1,651 |
| Net loans and leases to deposits | 83.3131% | 2,388 |
| Net loans and leases to core deposits | 83.3131% | 3,003 |
| Total domestic deposits to total assets | 89.3876% | 897 |
| Equity capital to assets | 8.3192% | 5,686 |
| Core capital (leverage) ratio | 8.3680% | 5,497 |
| Tier 1 risk-based capital ratio | 10.3985% | 5,793 |
| Total risk-based capital ratio | 11.3607% | 5,820 |
| Memoranda: | ||
| Average total assets | $37,820,500 | 5,764 |
| Average earning assets | $35,356,500 | 5,736 |
| Average equity | $3,116,000 | 5,935 |
| Average total loans | $29,387,500 | 5,359 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9505% | 3,525 |
| Cost of funding earning assets | 0.2682% | 4,610 |
| Net interest margin | 3.6823% | 2,815 |
| Noninterest income to average assets | 0.1779% | 5,519 |
| Noninterest expense to average assets | 2.6745% | 3,672 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.6444% | 4,064 |
| Return on assets (ROA) | 0.6444% | 4,152 |
| Pretax return on assets | 0.9463% | 3,669 |
| Return on Equity (ROE) | 7.9234% | 2,992 |
| Retained earnings to average equity (ytd only) | 6.2657% | 1,663 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8645% | 2,604 |
| Assets per employee ($millions) | 6.2982% | 1,203 |
| Cash dividends to net income (ytd only)* | 20.9205% | 3,750 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9572% | 4,827 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 79.4041% | 931 |
| Net loans and leases to deposits | 88.7331% | 1,783 |
| Net loans and leases to core deposits | 88.7331% | 2,531 |
| Total domestic deposits to total assets | 89.4864% | 865 |
| Equity capital to assets | 8.1585% | 5,779 |
| Core capital (leverage) ratio | 8.0299% | 5,824 |
| Tier 1 risk-based capital ratio | 9.8686% | 5,980 |
| Total risk-based capital ratio | 10.8002% | 6,025 |
| Memoranda: | ||
| Average total assets | $37,091,000 | 5,822 |
| Average earning assets | $34,679,200 | 5,796 |
| Average equity | $3,016,400 | 6,003 |
| Average total loans | $28,431,600 | 5,426 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9203% | 3,683 |
| Cost of funding earning assets | 0.2662% | 4,701 |
| Net interest margin | 3.6541% | 2,940 |
| Noninterest income to average assets | 0.1842% | 5,556 |
| Noninterest expense to average assets | 2.4848% | 4,243 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.7476% | 3,687 |
| Return on assets (ROA) | 0.7476% | 3,786 |
| Pretax return on assets | 1.1196% | 3,140 |
| Return on Equity (ROE) | 9.2004% | 2,469 |
| Retained earnings to average equity (ytd only) | 9.2004% | 831 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9379% | 3,387 |
| Assets per employee ($millions) | 6.4900% | 1,073 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0115% | 4,685 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 72.8788% | 1,924 |
| Net loans and leases to deposits | 81.2291% | 2,737 |
| Net loans and leases to core deposits | 81.2291% | 3,324 |
| Total domestic deposits to total assets | 89.7201% | 682 |
| Equity capital to assets | 7.9764% | 5,966 |
| Core capital (leverage) ratio | 7.9824% | 5,917 |
| Tier 1 risk-based capital ratio | 10.2788% | 5,953 |
| Total risk-based capital ratio | 11.2434% | 5,997 |
| Memoranda: | ||
| Average total assets | $36,916,500 | 5,907 |
| Average earning assets | $34,554,000 | 5,878 |
| Average equity | $2,999,750 | 6,088 |
| Average total loans | $27,965,500 | 5,508 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9916% | 3,329 |
| Cost of funding earning assets | 0.2653% | 4,767 |
| Net interest margin | 3.7263% | 2,598 |
| Noninterest income to average assets | 0.1931% | 5,522 |
| Noninterest expense to average assets | 2.5661% | 4,016 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.7284% | 3,749 |
| Return on assets (ROA) | 0.7284% | 3,869 |
| Pretax return on assets | 1.1147% | 3,110 |
| Return on Equity (ROE) | 8.9059% | 2,600 |
| Retained earnings to average equity (ytd only) | 8.9059% | 954 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7151% | 3,376 |
| Assets per employee ($millions) | 6.2387% | 1,191 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0464% | 4,626 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 73.2662% | 1,777 |
| Net loans and leases to deposits | 81.7827% | 2,586 |
| Net loans and leases to core deposits | 81.7827% | 3,202 |
| Total domestic deposits to total assets | 89.5865% | 854 |
| Equity capital to assets | 8.0786% | 5,945 |
| Core capital (leverage) ratio | 8.1457% | 5,835 |
| Tier 1 risk-based capital ratio | 10.5238% | 5,914 |
| Total risk-based capital ratio | 11.5330% | 5,946 |
| Memoranda: | ||
| Average total assets | $36,242,000 | 5,989 |
| Average earning assets | $33,921,330 | 5,955 |
| Average equity | $2,964,330 | 6,153 |
| Average total loans | $27,731,000 | 5,570 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0195% | 3,163 |
| Cost of funding earning assets | 0.2640% | 4,863 |
| Net interest margin | 3.7555% | 2,409 |
| Noninterest income to average assets | 0.2244% | 5,350 |
| Noninterest expense to average assets | 2.6145% | 3,882 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.8752% | 2,868 |
| Return on assets (ROA) | 0.8752% | 2,996 |
| Pretax return on assets | 1.1221% | 2,988 |
| Return on Equity (ROE) | 10.6321% | 1,754 |
| Retained earnings to average equity (ytd only) | 10.6321% | 786 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9700% | 3,493 |
| Assets per employee ($millions) | 4.0132% | 3,932 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0309% | 4,861 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 77.0785% | 1,049 |
| Net loans and leases to deposits | 86.1946% | 1,809 |
| Net loans and leases to core deposits | 86.1946% | 2,523 |
| Total domestic deposits to total assets | 89.4238% | 1,031 |
| Equity capital to assets | 8.2367% | 5,913 |
| Core capital (leverage) ratio | 8.2864% | 5,746 |
| Tier 1 risk-based capital ratio | 10.2636% | 6,093 |
| Total risk-based capital ratio | 11.2695% | 6,116 |
| Memoranda: | ||
| Average total assets | $35,647,000 | 6,061 |
| Average earning assets | $33,337,500 | 6,030 |
| Average equity | $2,934,500 | 6,218 |
| Average total loans | $27,739,000 | 5,608 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7935% | 4,516 |
| Cost of funding earning assets | 0.2456% | 5,370 |
| Net interest margin | 3.5478% | 3,607 |
| Noninterest income to average assets | 0.1737% | 5,816 |
| Noninterest expense to average assets | 2.9103% | 3,117 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.4170% | 5,166 |
| Return on assets (ROA) | 0.4170% | 5,234 |
| Pretax return on assets | 0.5676% | 5,042 |
| Return on Equity (ROE) | 5.0286% | 4,648 |
| Retained earnings to average equity (ytd only) | 2.0603% | 4,750 |
| Net charge-offs to loans | -0.0042% | 5,444 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.6803% | 1,451 |
| Assets per employee ($millions) | 5.8625% | 1,479 |
| Cash dividends to net income (ytd only)* | 59.0278% | 1,794 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0604% | 4,762 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 76.9240% | 1,139 |
| Net loans and leases to deposits | 86.1555% | 1,959 |
| Net loans and leases to core deposits | 86.1555% | 2,670 |
| Total domestic deposits to total assets | 89.2850% | 1,077 |
| Equity capital to assets | 8.2274% | 5,947 |
| Core capital (leverage) ratio | 8.2520% | 5,821 |
| Tier 1 risk-based capital ratio | 10.3468% | 6,164 |
| Total risk-based capital ratio | 11.3880% | 6,170 |
| Memoranda: | ||
| Average total assets | $34,532,800 | 6,165 |
| Average earning assets | $32,160,600 | 6,138 |
| Average equity | $2,863,600 | 6,295 |
| Average total loans | $24,064,800 | 5,821 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7137% | 4,816 |
| Cost of funding earning assets | 0.2420% | 5,485 |
| Net interest margin | 3.4717% | 3,934 |
| Noninterest income to average assets | 0.1784% | 5,848 |
| Noninterest expense to average assets | 2.8549% | 3,273 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.3724% | 5,360 |
| Return on assets (ROA) | 0.3724% | 5,436 |
| Pretax return on assets | 0.5508% | 5,184 |
| Return on Equity (ROE) | 4.4818% | 4,972 |
| Retained earnings to average equity (ytd only) | 0.5137% | 5,661 |
| Net charge-offs to loans | -0.0057% | 5,320 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.8269% | 1,409 |
| Assets per employee ($millions) | 5.7637% | 1,518 |
| Cash dividends to net income (ytd only)* | 88.5391% | 557 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1721% | 4,372 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0868% | 5,813 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 70.7073% | 2,076 |
| Net loans and leases to deposits | 79.1327% | 2,825 |
| Net loans and leases to core deposits | 79.1327% | 3,423 |
| Total domestic deposits to total assets | 89.3528% | 1,048 |
| Equity capital to assets | 8.2326% | 5,994 |
| Core capital (leverage) ratio | 8.1511% | 5,971 |
| Tier 1 risk-based capital ratio | 10.9530% | 6,015 |
| Total risk-based capital ratio | 12.0742% | 6,026 |
| Memoranda: | ||
| Average total assets | $34,372,250 | 6,244 |
| Average earning assets | $31,952,750 | 6,222 |
| Average equity | $2,856,000 | 6,369 |
| Average total loans | $23,244,000 | 5,908 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6588% | 4,981 |
| Cost of funding earning assets | 0.2456% | 5,527 |
| Net interest margin | 3.4132% | 4,123 |
| Noninterest income to average assets | 0.1633% | 5,974 |
| Noninterest expense to average assets | 2.9094% | 3,131 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.3207% | 5,493 |
| Return on assets (ROA) | 0.3207% | 5,574 |
| Pretax return on assets | 0.4140% | 5,515 |
| Return on Equity (ROE) | 3.8475% | 5,207 |
| Retained earnings to average equity (ytd only) | 3.8475% | 3,730 |
| Net charge-offs to loans | -0.0088% | 5,297 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.5439% | 1,125 |
| Assets per employee ($millions) | 5.7498% | 1,478 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2172% | 4,347 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0870% | 5,906 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 68.2223% | 2,380 |
| Net loans and leases to deposits | 76.4429% | 2,992 |
| Net loans and leases to core deposits | 76.4429% | 3,581 |
| Total domestic deposits to total assets | 89.2461% | 1,223 |
| Equity capital to assets | 8.3742% | 5,896 |
| Core capital (leverage) ratio | 8.3517% | 5,800 |
| Tier 1 risk-based capital ratio | 11.6135% | 5,737 |
| Total risk-based capital ratio | 12.7841% | 5,732 |
| Memoranda: | ||
| Average total assets | $34,302,330 | 6,303 |
| Average earning assets | $31,758,670 | 6,281 |
| Average equity | $2,859,000 | 6,421 |
| Average total loans | $22,744,670 | 5,968 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5506% | 5,294 |
| Cost of funding earning assets | 0.2401% | 5,673 |
| Net interest margin | 3.3105% | 4,488 |
| Noninterest income to average assets | 0.1871% | 5,845 |
| Noninterest expense to average assets | 2.9353% | 3,096 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.2690% | 5,600 |
| Return on assets (ROA) | 0.2690% | 5,644 |
| Pretax return on assets | 0.3158% | 5,676 |
| Return on Equity (ROE) | 3.2349% | 5,374 |
| Retained earnings to average equity (ytd only) | 3.2349% | 4,180 |
| Net charge-offs to loans | -0.0180% | 5,305 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.2878% | 1,008 |
| Assets per employee ($millions) | 5.7912% | 1,464 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3319% | 3,941 |
| Loan loss allowance to noncurrent loans | 391.8919% | 1,180 |
| Noncurrent assets plus other real estate owned to assets | 0.2993% | 5,263 |
| Noncurrent loans to loans | 0.3399% | 5,097 |
| Net loans and leases to total assets | 61.8298% | 3,267 |
| Net loans and leases to deposits | 69.0205% | 3,735 |
| Net loans and leases to core deposits | 69.0205% | 4,203 |
| Total domestic deposits to total assets | 89.5818% | 1,322 |
| Equity capital to assets | 8.2194% | 5,894 |
| Core capital (leverage) ratio | 8.2725% | 5,874 |
| Tier 1 risk-based capital ratio | 11.6051% | 5,860 |
| Total risk-based capital ratio | 12.7147% | 5,884 |
| Memoranda: | ||
| Average total assets | $34,204,000 | 6,370 |
| Average earning assets | $31,657,000 | 6,347 |
| Average equity | $2,844,000 | 6,482 |
| Average total loans | $22,204,000 | 6,037 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9584% | 4,247 |
| Cost of funding earning assets | 0.2882% | 5,684 |
| Net interest margin | 3.6701% | 3,173 |
| Noninterest income to average assets | 0.1678% | 6,078 |
| Noninterest expense to average assets | 2.9645% | 3,147 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.4506% | 4,950 |
| Return on assets (ROA) | 0.4506% | 5,077 |
| Pretax return on assets | 0.6060% | 4,861 |
| Return on Equity (ROE) | 5.1539% | 4,559 |
| Retained earnings to average equity (ytd only) | 2.3815% | 4,549 |
| Net charge-offs to loans | -0.2480% | 6,646 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.0287% | 1,749 |
| Assets per employee ($millions) | 5.6102% | 1,550 |
| Cash dividends to net income (ytd only)* | 53.7931% | 2,085 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2813% | 4,232 |
| Loan loss allowance to noncurrent loans | 29,000.0000% | 18 |
| Noncurrent assets plus other real estate owned to assets | 0.0921% | 6,065 |
| Noncurrent loans to loans | 0.0044% | 6,297 |
| Net loans and leases to total assets | 66.3795% | 2,636 |
| Net loans and leases to deposits | 74.3462% | 3,212 |
| Net loans and leases to core deposits | 74.3462% | 3,805 |
| Total domestic deposits to total assets | 89.2843% | 1,436 |
| Equity capital to assets | 8.4133% | 5,678 |
| Core capital (leverage) ratio | 8.7633% | 5,345 |
| Tier 1 risk-based capital ratio | 11.4185% | 5,955 |
| Total risk-based capital ratio | 12.5470% | 5,962 |
| Memoranda: | ||
| Average total assets | $32,180,600 | 6,477 |
| Average earning assets | $29,835,400 | 6,450 |
| Average equity | $2,813,400 | 6,570 |
| Average total loans | $20,968,600 | 6,151 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9684% | 4,246 |
| Cost of funding earning assets | 0.2983% | 5,754 |
| Net interest margin | 3.6701% | 3,150 |
| Noninterest income to average assets | 0.1802% | 6,119 |
| Noninterest expense to average assets | 2.7328% | 3,894 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.5281% | 4,674 |
| Return on assets (ROA) | 0.5281% | 4,835 |
| Pretax return on assets | 0.8509% | 4,090 |
| Return on Equity (ROE) | 5.9813% | 4,201 |
| Retained earnings to average equity (ytd only) | 2.2786% | 4,959 |
| Net charge-offs to loans | -0.3244% | 6,734 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2573% | 2,690 |
| Assets per employee ($millions) | 5.4247% | 1,707 |
| Cash dividends to net income (ytd only)* | 61.9048% | 1,377 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2996% | 4,397 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0922% | 6,162 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 67.2023% | 2,432 |
| Net loans and leases to deposits | 75.6799% | 3,003 |
| Net loans and leases to core deposits | 75.6799% | 3,649 |
| Total domestic deposits to total assets | 88.7981% | 1,670 |
| Equity capital to assets | 8.6518% | 5,567 |
| Core capital (leverage) ratio | 8.7847% | 5,428 |
| Tier 1 risk-based capital ratio | 11.1941% | 6,190 |
| Total risk-based capital ratio | 12.2999% | 6,223 |
| Memoranda: | ||
| Average total assets | $31,810,500 | 6,562 |
| Average earning assets | $29,498,750 | 6,529 |
| Average equity | $2,808,750 | 6,642 |
| Average total loans | $20,552,250 | 6,236 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0038% | 4,090 |
| Cost of funding earning assets | 0.3154% | 5,712 |
| Net interest margin | 3.6884% | 2,997 |
| Noninterest income to average assets | 0.1901% | 6,072 |
| Noninterest expense to average assets | 2.7436% | 3,878 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.5386% | 4,619 |
| Return on assets (ROA) | 0.5386% | 4,788 |
| Pretax return on assets | 0.8554% | 4,090 |
| Return on Equity (ROE) | 6.0577% | 4,138 |
| Retained earnings to average equity (ytd only) | 6.0577% | 2,401 |
| Net charge-offs to loans | -0.3597% | 6,781 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2324% | 2,747 |
| Assets per employee ($millions) | 4.5681% | 2,703 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2934% | 4,542 |
| Loan loss allowance to noncurrent loans | 639.5349% | 689 |
| Noncurrent assets plus other real estate owned to assets | 0.2283% | 5,796 |
| Noncurrent loans to loans | 0.2022% | 5,804 |
| Net loans and leases to total assets | 65.6284% | 2,655 |
| Net loans and leases to deposits | 74.1319% | 3,133 |
| Net loans and leases to core deposits | 74.1319% | 3,793 |
| Total domestic deposits to total assets | 88.5293% | 1,896 |
| Equity capital to assets | 8.9095% | 5,314 |
| Core capital (leverage) ratio | 8.9269% | 5,108 |
| Tier 1 risk-based capital ratio | 11.9922% | 5,797 |
| Total risk-based capital ratio | 13.1154% | 5,823 |
| Memoranda: | ||
| Average total assets | $31,564,670 | 6,614 |
| Average earning assets | $29,172,330 | 6,582 |
| Average equity | $2,806,330 | 6,691 |
| Average total loans | $20,016,000 | 6,302 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7465% | 5,002 |
| Cost of funding earning assets | 0.3145% | 5,852 |
| Net interest margin | 3.4320% | 3,998 |
| Noninterest income to average assets | 0.2296% | 5,820 |
| Noninterest expense to average assets | 3.0741% | 2,754 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.2934% | 5,594 |
| Return on assets (ROA) | 0.2934% | 5,713 |
| Pretax return on assets | 0.3572% | 5,695 |
| Return on Equity (ROE) | 3.3034% | 5,433 |
| Retained earnings to average equity (ytd only) | 3.3034% | 4,270 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.5911% | 1,179 |
| Assets per employee ($millions) | 4.5729% | 2,845 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1753% | 5,295 |
| Loan loss allowance to noncurrent loans | 540.9091% | 800 |
| Noncurrent assets plus other real estate owned to assets | 0.2312% | 5,877 |
| Noncurrent loans to loans | 0.2173% | 5,866 |
| Net loans and leases to total assets | 62.5211% | 2,963 |
| Net loans and leases to deposits | 70.4906% | 3,399 |
| Net loans and leases to core deposits | 70.4906% | 4,016 |
| Total domestic deposits to total assets | 88.6942% | 1,875 |
| Equity capital to assets | 8.7379% | 5,776 |
| Core capital (leverage) ratio | 8.9682% | 4,938 |
| Tier 1 risk-based capital ratio | 11.7742% | 6,047 |
| Total risk-based capital ratio | 12.7829% | 6,138 |
| Memoranda: | ||
| Average total assets | $31,358,500 | 6,680 |
| Average earning assets | $29,254,000 | 6,641 |
| Average equity | $2,785,000 | 6,766 |
| Average total loans | $19,393,500 | 6,391 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8843% | 5,620 |
| Cost of funding earning assets | 0.4605% | 5,499 |
| Net interest margin | 3.4238% | 4,801 |
| Noninterest income to average assets | 0.2553% | 5,634 |
| Noninterest expense to average assets | 2.7411% | 4,246 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.4563% | 4,855 |
| Return on assets (ROA) | 0.4563% | 5,105 |
| Pretax return on assets | 0.6223% | 4,924 |
| Return on Equity (ROE) | 5.2159% | 4,583 |
| Retained earnings to average equity (ytd only) | 2.4803% | 4,483 |
| Net charge-offs to loans | 0.0113% | 5,770 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 97.5000% | 394 |
| Efficiency ratio | 81.4991% | 1,945 |
| Assets per employee ($millions) | 4.3867% | 3,177 |
| Cash dividends to net income (ytd only)* | 52.4476% | 2,203 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2840% | 4,717 |
| Loan loss allowance to noncurrent loans | 495.8333% | 836 |
| Noncurrent assets plus other real estate owned to assets | 0.2540% | 5,912 |
| Noncurrent loans to loans | 0.2590% | 5,836 |
| Net loans and leases to total assets | 59.5890% | 3,674 |
| Net loans and leases to deposits | 67.6576% | 4,035 |
| Net loans and leases to core deposits | 67.6576% | 4,577 |
| Total domestic deposits to total assets | 88.0744% | 2,192 |
| Equity capital to assets | 9.0305% | 5,491 |
| Core capital (leverage) ratio | 8.8662% | 5,074 |
| Tier 1 risk-based capital ratio | 12.8325% | 5,230 |
| Total risk-based capital ratio | 13.9131% | 5,296 |
| Memoranda: | ||
| Average total assets | $31,337,400 | 6,726 |
| Average earning assets | $28,448,200 | 6,703 |
| Average equity | $2,741,600 | 6,832 |
| Average total loans | $17,756,800 | 6,519 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8267% | 5,957 |
| Cost of funding earning assets | 0.4736% | 5,605 |
| Net interest margin | 3.3531% | 5,204 |
| Noninterest income to average assets | 0.2540% | 5,751 |
| Noninterest expense to average assets | 2.5654% | 4,861 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.4191% | 5,167 |
| Return on assets (ROA) | 0.4191% | 5,401 |
| Pretax return on assets | 0.7154% | 4,808 |
| Return on Equity (ROE) | 4.8285% | 4,905 |
| Retained earnings to average equity (ytd only) | 1.1706% | 5,708 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.1935% | 2,373 |
| Assets per employee ($millions) | 6.2096% | 1,117 |
| Cash dividends to net income (ytd only)* | 75.7576% | 754 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2915% | 4,847 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0966% | 6,494 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 59.0795% | 3,950 |
| Net loans and leases to deposits | 66.9379% | 4,350 |
| Net loans and leases to core deposits | 66.9379% | 4,847 |
| Total domestic deposits to total assets | 88.2601% | 1,871 |
| Equity capital to assets | 8.7993% | 6,017 |
| Core capital (leverage) ratio | 8.6737% | 5,514 |
| Tier 1 risk-based capital ratio | 12.8796% | 5,345 |
| Total risk-based capital ratio | 13.9727% | 5,422 |
| Memoranda: | ||
| Average total assets | $31,495,000 | 6,802 |
| Average earning assets | $28,430,750 | 6,788 |
| Average equity | $2,733,750 | 6,922 |
| Average total loans | $17,562,000 | 6,613 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7611% | 6,225 |
| Cost of funding earning assets | 0.4719% | 5,817 |
| Net interest margin | 3.2892% | 5,475 |
| Noninterest income to average assets | 0.2781% | 5,587 |
| Noninterest expense to average assets | 2.6798% | 4,497 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.3855% | 5,266 |
| Return on assets (ROA) | 0.3855% | 5,505 |
| Pretax return on assets | 0.5499% | 5,311 |
| Return on Equity (ROE) | 4.4618% | 5,054 |
| Retained earnings to average equity (ytd only) | 4.4618% | 3,635 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.9746% | 1,749 |
| Assets per employee ($millions) | 6.3296% | 1,048 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3800% | 4,539 |
| Loan loss allowance to noncurrent loans | 452.8302% | 804 |
| Noncurrent assets plus other real estate owned to assets | 0.2623% | 6,118 |
| Noncurrent loans to loans | 0.3048% | 5,951 |
| Net loans and leases to total assets | 54.1930% | 4,766 |
| Net loans and leases to deposits | 61.2164% | 5,097 |
| Net loans and leases to core deposits | 61.2164% | 5,469 |
| Total domestic deposits to total assets | 88.5269% | 1,798 |
| Equity capital to assets | 8.7272% | 5,996 |
| Core capital (leverage) ratio | 8.6965% | 5,391 |
| Tier 1 risk-based capital ratio | 13.1824% | 5,051 |
| Total risk-based capital ratio | 14.2234% | 5,175 |
| Memoranda: | ||
| Average total assets | $31,644,000 | 6,854 |
| Average earning assets | $28,395,670 | 6,839 |
| Average equity | $2,734,330 | 6,962 |
| Average total loans | $17,221,670 | 6,683 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8453% | 6,153 |
| Cost of funding earning assets | 0.5003% | 5,819 |
| Net interest margin | 3.3450% | 5,318 |
| Noninterest income to average assets | 0.4298% | 4,453 |
| Noninterest expense to average assets | 2.7432% | 4,271 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.5183% | 4,744 |
| Return on assets (ROA) | 0.5183% | 4,954 |
| Pretax return on assets | 0.6447% | 4,953 |
| Return on Equity (ROE) | 6.0283% | 4,276 |
| Retained earnings to average equity (ytd only) | 6.0283% | 2,940 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.9701% | 2,083 |
| Assets per employee ($millions) | 5.2983% | 1,886 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4535% | 4,357 |
| Loan loss allowance to noncurrent loans | 436.3636% | 776 |
| Noncurrent assets plus other real estate owned to assets | 0.3020% | 6,139 |
| Noncurrent loans to loans | 0.3331% | 6,004 |
| Net loans and leases to total assets | 51.1859% | 5,121 |
| Net loans and leases to deposits | 57.7328% | 5,411 |
| Net loans and leases to core deposits | 57.7328% | 5,735 |
| Total domestic deposits to total assets | 88.6600% | 1,910 |
| Equity capital to assets | 8.6222% | 5,965 |
| Core capital (leverage) ratio | 8.6463% | 5,385 |
| Tier 1 risk-based capital ratio | 13.5999% | 4,752 |
| Total risk-based capital ratio | 14.6269% | 4,907 |
| Memoranda: | ||
| Average total assets | $31,642,000 | 6,910 |
| Average earning assets | $27,982,000 | 6,908 |
| Average equity | $2,720,500 | 7,018 |
| Average total loans | $17,137,000 | 6,745 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1991% | 6,053 |
| Cost of funding earning assets | 0.7885% | 4,949 |
| Net interest margin | 3.4107% | 5,451 |
| Noninterest income to average assets | 0.3450% | 5,048 |
| Noninterest expense to average assets | 2.8752% | 4,063 |
| Loan and lease loss provision to assets | 0.3514% | 2,892 |
| Net operating income to assets | 0.2013% | 5,586 |
| Return on assets (ROA) | 0.2013% | 5,719 |
| Pretax return on assets | 0.1725% | 5,851 |
| Return on Equity (ROE) | 2.3869% | 5,515 |
| Retained earnings to average equity (ytd only) | 2.3869% | 4,526 |
| Net charge-offs to loans | 0.0923% | 5,417 |
| Credit loss provision to net charge-offs | 687.5000% | 323 |
| Earnings coverage of net charge-offs (x) | 10.2500% | 1,864 |
| Efficiency ratio | 84.5865% | 1,698 |
| Assets per employee ($millions) | 5.2490% | 1,887 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3512% | 4,661 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1302% | 6,624 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 55.6360% | 4,774 |
| Net loans and leases to deposits | 62.7871% | 5,144 |
| Net loans and leases to core deposits | 62.7871% | 5,566 |
| Total domestic deposits to total assets | 88.6105% | 1,778 |
| Equity capital to assets | 8.5731% | 6,051 |
| Core capital (leverage) ratio | 8.6205% | 5,364 |
| Tier 1 risk-based capital ratio | 13.0393% | 5,035 |
| Total risk-based capital ratio | 14.1166% | 5,158 |
| Memoranda: | ||
| Average total assets | $31,302,000 | 6,934 |
| Average earning assets | $28,029,600 | 6,918 |
| Average equity | $2,639,400 | 7,085 |
| Average total loans | $17,342,400 | 6,788 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2479% | 6,088 |
| Cost of funding earning assets | 0.8430% | 4,823 |
| Net interest margin | 3.4049% | 5,551 |
| Noninterest income to average assets | 0.3328% | 5,199 |
| Noninterest expense to average assets | 2.8753% | 4,033 |
| Loan and lease loss provision to assets | 0.4693% | 2,108 |
| Net operating income to assets | 0.0427% | 6,087 |
| Return on assets (ROA) | 0.0427% | 6,184 |
| Pretax return on assets | 0.0554% | 6,155 |
| Return on Equity (ROE) | 0.5080% | 6,173 |
| Retained earnings to average equity (ytd only) | 0.5080% | 5,802 |
| Net charge-offs to loans | 0.6343% | 2,346 |
| Credit loss provision to net charge-offs | 134.1463% | 2,373 |
| Earnings coverage of net charge-offs (x) | 1.5000% | 4,512 |
| Efficiency ratio | 84.5671% | 1,676 |
| Assets per employee ($millions) | 5.2553% | 1,866 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9562% | 6,431 |
| Loan loss allowance to noncurrent loans | 384.4444% | 846 |
| Noncurrent assets plus other real estate owned to assets | 0.2727% | 6,384 |
| Noncurrent loans to loans | 0.2487% | 6,376 |
| Net loans and leases to total assets | 56.8312% | 4,709 |
| Net loans and leases to deposits | 64.0686% | 5,159 |
| Net loans and leases to core deposits | 64.0686% | 5,603 |
| Total domestic deposits to total assets | 88.7035% | 1,620 |
| Equity capital to assets | 8.4010% | 6,396 |
| Core capital (leverage) ratio | 8.4178% | 5,828 |
| Tier 1 risk-based capital ratio | 12.8733% | 5,187 |
| Total risk-based capital ratio | 13.7188% | 5,511 |
| Memoranda: | ||
| Average total assets | $31,254,000 | 7,003 |
| Average earning assets | $28,154,500 | 6,990 |
| Average equity | $2,624,250 | 7,155 |
| Average total loans | $17,237,500 | 6,858 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2175% | 6,244 |
| Cost of funding earning assets | 0.8916% | 4,747 |
| Net interest margin | 3.3259% | 5,784 |
| Noninterest income to average assets | 0.3530% | 5,067 |
| Noninterest expense to average assets | 2.9139% | 3,970 |
| Loan and lease loss provision to assets | 0.5776% | 1,676 |
| Net operating income to assets | -0.0963% | 6,345 |
| Return on assets (ROA) | -0.0963% | 6,399 |
| Pretax return on assets | -0.1219% | 6,386 |
| Return on Equity (ROE) | -1.1468% | 6,419 |
| Retained earnings to average equity (ytd only) | -1.1468% | 6,078 |
| Net charge-offs to loans | 0.9910% | 1,579 |
| Credit loss provision to net charge-offs | 107.1429% | 2,876 |
| Earnings coverage of net charge-offs (x) | 0.8452% | 4,668 |
| Efficiency ratio | 86.4762% | 1,547 |
| Assets per employee ($millions) | 5.1798% | 1,898 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8472% | 6,781 |
| Loan loss allowance to noncurrent loans | 145.1923% | 2,033 |
| Noncurrent assets plus other real estate owned to assets | 0.4666% | 5,986 |
| Noncurrent loans to loans | 0.5835% | 5,762 |
| Net loans and leases to total assets | 56.8648% | 4,838 |
| Net loans and leases to deposits | 64.1675% | 5,250 |
| Net loans and leases to core deposits | 64.1675% | 5,706 |
| Total domestic deposits to total assets | 88.6193% | 1,774 |
| Equity capital to assets | 8.4398% | 6,251 |
| Core capital (leverage) ratio | 8.5161% | 5,523 |
| Tier 1 risk-based capital ratio | 12.5838% | 5,263 |
| Total risk-based capital ratio | 13.3121% | 5,705 |
| Memoranda: | ||
| Average total assets | $31,161,330 | 7,069 |
| Average earning assets | $28,263,000 | 7,051 |
| Average equity | $2,616,000 | 7,221 |
| Average total loans | $16,952,330 | 6,942 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1031% | 6,491 |
| Cost of funding earning assets | 0.9790% | 4,352 |
| Net interest margin | 3.1241% | 6,279 |
| Noninterest income to average assets | 0.4230% | 4,511 |
| Noninterest expense to average assets | 2.9998% | 3,646 |
| Loan and lease loss provision to assets | 0.8974% | 895 |
| Net operating income to assets | -0.5641% | 6,843 |
| Return on assets (ROA) | -0.5641% | 6,847 |
| Pretax return on assets | -0.6923% | 6,870 |
| Return on Equity (ROE) | -6.7368% | 6,904 |
| Retained earnings to average equity (ytd only) | -6.7368% | 6,656 |
| Net charge-offs to loans | 2.0828% | 605 |
| Credit loss provision to net charge-offs | 81.3953% | 3,129 |
| Earnings coverage of net charge-offs (x) | 0.1860% | 4,468 |
| Efficiency ratio | 93.6000% | 1,060 |
| Assets per employee ($millions) | 5.1862% | 1,910 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7808% | 6,956 |
| Loan loss allowance to noncurrent loans | 206.3492% | 1,447 |
| Noncurrent assets plus other real estate owned to assets | 0.3342% | 6,360 |
| Noncurrent loans to loans | 0.3784% | 6,240 |
| Net loans and leases to total assets | 53.0867% | 5,437 |
| Net loans and leases to deposits | 59.8536% | 5,740 |
| Net loans and leases to core deposits | 59.8536% | 6,104 |
| Total domestic deposits to total assets | 88.6943% | 1,961 |
| Equity capital to assets | 8.3266% | 6,132 |
| Core capital (leverage) ratio | 8.2857% | 5,834 |
| Tier 1 risk-based capital ratio | 12.8762% | 4,926 |
| Total risk-based capital ratio | 13.5250% | 5,457 |
| Memoranda: | ||
| Average total assets | $31,202,500 | 7,117 |
| Average earning assets | $27,784,000 | 7,108 |
| Average equity | $2,612,500 | 7,267 |
| Average total loans | $16,516,500 | 7,012 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4804% | 6,443 |
| Cost of funding earning assets | 1.2294% | 4,357 |
| Net interest margin | 3.2510% | 6,131 |
| Noninterest income to average assets | 0.4562% | 4,469 |
| Noninterest expense to average assets | 3.0997% | 3,456 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.2682% | 5,039 |
| Return on assets (ROA) | 0.2682% | 5,205 |
| Pretax return on assets | 0.2577% | 5,343 |
| Return on Equity (ROE) | 2.8671% | 5,010 |
| Retained earnings to average equity (ytd only) | -0.8564% | 5,778 |
| Net charge-offs to loans | 0.1382% | 5,539 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | 3.5238% | 3,321 |
| Efficiency ratio | 92.3237% | 1,163 |
| Assets per employee ($millions) | 6.2576% | 1,057 |
| Cash dividends to net income (ytd only)* | 129.8701% | 216 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8850% | 6,761 |
| Loan loss allowance to noncurrent loans | 57.5397% | 4,572 |
| Noncurrent assets plus other real estate owned to assets | 1.0355% | 4,927 |
| Noncurrent loans to loans | 1.5381% | 4,186 |
| Net loans and leases to total assets | 51.9017% | 5,921 |
| Net loans and leases to deposits | 58.6076% | 6,198 |
| Net loans and leases to core deposits | 58.6076% | 6,507 |
| Total domestic deposits to total assets | 88.5579% | 1,915 |
| Equity capital to assets | 8.4186% | 5,969 |
| Core capital (leverage) ratio | 8.9523% | 4,618 |
| Tier 1 risk-based capital ratio | 12.9406% | 4,643 |
| Total risk-based capital ratio | 13.6554% | 5,087 |
| Memoranda: | ||
| Average total assets | $28,712,400 | 7,251 |
| Average earning assets | $25,622,800 | 7,241 |
| Average equity | $2,685,600 | 7,356 |
| Average total loans | $15,199,400 | 7,155 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5327% | 6,519 |
| Cost of funding earning assets | 1.2618% | 4,485 |
| Net interest margin | 3.2710% | 6,110 |
| Noninterest income to average assets | 0.4845% | 4,297 |
| Noninterest expense to average assets | 2.9973% | 3,757 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.2993% | 5,174 |
| Return on assets (ROA) | 0.2993% | 5,340 |
| Pretax return on assets | 0.4180% | 5,167 |
| Return on Equity (ROE) | 3.1128% | 5,179 |
| Retained earnings to average equity (ytd only) | 3.1128% | 4,259 |
| Net charge-offs to loans | -0.0089% | 7,258 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.7608% | 1,471 |
| Assets per employee ($millions) | 5.5802% | 1,551 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1132% | 5,886 |
| Loan loss allowance to noncurrent loans | 63.0189% | 4,147 |
| Noncurrent assets plus other real estate owned to assets | 1.2114% | 4,723 |
| Noncurrent loans to loans | 1.7664% | 3,999 |
| Net loans and leases to total assets | 53.1701% | 5,961 |
| Net loans and leases to deposits | 61.3600% | 6,181 |
| Net loans and leases to core deposits | 61.3600% | 6,509 |
| Total domestic deposits to total assets | 86.6528% | 2,716 |
| Equity capital to assets | 9.7774% | 4,446 |
| Core capital (leverage) ratio | 9.7493% | 3,555 |
| Tier 1 risk-based capital ratio | 14.5558% | 3,481 |
| Total risk-based capital ratio | 15.4528% | 3,661 |
| Memoranda: | ||
| Average total assets | $28,068,500 | 7,360 |
| Average earning assets | $25,149,750 | 7,345 |
| Average equity | $2,698,500 | 7,448 |
| Average total loans | $14,903,250 | 7,261 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6168% | 6,410 |
| Cost of funding earning assets | 1.2882% | 4,607 |
| Net interest margin | 3.3286% | 5,911 |
| Noninterest income to average assets | 0.5049% | 4,077 |
| Noninterest expense to average assets | 2.9227% | 3,993 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.3840% | 4,828 |
| Return on assets (ROA) | 0.3840% | 4,992 |
| Pretax return on assets | 0.5405% | 4,775 |
| Return on Equity (ROE) | 4.0169% | 4,769 |
| Retained earnings to average equity (ytd only) | 4.0169% | 3,525 |
| Net charge-offs to loans | 0.0269% | 5,955 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 38.0000% | 758 |
| Efficiency ratio | 84.3943% | 1,875 |
| Assets per employee ($millions) | 4.5798% | 2,753 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0970% | 5,953 |
| Loan loss allowance to noncurrent loans | 68.9076% | 3,895 |
| Noncurrent assets plus other real estate owned to assets | 1.1354% | 4,863 |
| Noncurrent loans to loans | 1.5920% | 4,318 |
| Net loans and leases to total assets | 53.8084% | 6,013 |
| Net loans and leases to deposits | 62.1678% | 6,218 |
| Net loans and leases to core deposits | 62.1678% | 6,535 |
| Total domestic deposits to total assets | 86.5534% | 2,789 |
| Equity capital to assets | 9.8803% | 4,165 |
| Core capital (leverage) ratio | 9.6955% | 3,545 |
| Tier 1 risk-based capital ratio | 15.1643% | 3,075 |
| Total risk-based capital ratio | 16.0854% | 3,220 |
| Memoranda: | ||
| Average total assets | $28,124,330 | 7,410 |
| Average earning assets | $24,995,670 | 7,401 |
| Average equity | $2,688,670 | 7,504 |
| Average total loans | $14,870,330 | 7,315 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6136% | 6,521 |
| Cost of funding earning assets | 1.3090% | 4,764 |
| Net interest margin | 3.3045% | 5,955 |
| Noninterest income to average assets | 0.5765% | 3,445 |
| Noninterest expense to average assets | 2.9669% | 3,795 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.4359% | 4,684 |
| Return on assets (ROA) | 0.4359% | 4,815 |
| Pretax return on assets | 0.5203% | 4,892 |
| Return on Equity (ROE) | 4.6346% | 4,568 |
| Retained earnings to average equity (ytd only) | 4.6346% | 3,357 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.0806% | 1,899 |
| Assets per employee ($millions) | 4.7953% | 2,515 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1187% | 5,923 |
| Loan loss allowance to noncurrent loans | 64.3411% | 4,154 |
| Noncurrent assets plus other real estate owned to assets | 1.1574% | 4,855 |
| Noncurrent loans to loans | 1.7388% | 4,142 |
| Net loans and leases to total assets | 50.9940% | 6,378 |
| Net loans and leases to deposits | 58.4379% | 6,598 |
| Net loans and leases to core deposits | 58.4379% | 6,854 |
| Total domestic deposits to total assets | 87.2619% | 2,489 |
| Equity capital to assets | 9.3494% | 4,761 |
| Core capital (leverage) ratio | 9.6164% | 3,622 |
| Tier 1 risk-based capital ratio | 13.9718% | 3,668 |
| Total risk-based capital ratio | 14.8382% | 3,901 |
| Memoranda: | ||
| Average total assets | $28,447,000 | 7,496 |
| Average earning assets | $25,056,500 | 7,492 |
| Average equity | $2,675,500 | 7,588 |
| Average total loans | $14,830,500 | 7,411 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6854% | 7,160 |
| Cost of funding earning assets | 1.6916% | 4,562 |
| Net interest margin | 2.9938% | 6,662 |
| Noninterest income to average assets | 0.4718% | 4,641 |
| Noninterest expense to average assets | 3.0578% | 3,915 |
| Loan and lease loss provision to assets | 1.3105% | 1,758 |
| Net operating income to assets | -0.7793% | 6,424 |
| Return on assets (ROA) | -0.7793% | 6,421 |
| Pretax return on assets | -1.2371% | 6,562 |
| Return on Equity (ROE) | -8.2330% | 6,487 |
| Retained earnings to average equity (ytd only) | -8.2330% | 6,367 |
| Net charge-offs to loans | 3.6825% | 506 |
| Credit loss provision to net charge-offs | 67.8119% | 6,533 |
| Earnings coverage of net charge-offs (x) | 0.0380% | 6,147 |
| Efficiency ratio | 97.6563% | 1,231 |
| Assets per employee ($millions) | 4.6870% | 2,636 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1199% | 5,813 |
| Loan loss allowance to noncurrent loans | 53.7217% | 4,764 |
| Noncurrent assets plus other real estate owned to assets | 1.3690% | 4,370 |
| Noncurrent loans to loans | 2.0846% | 3,545 |
| Net loans and leases to total assets | 52.1193% | 6,410 |
| Net loans and leases to deposits | 59.6468% | 6,661 |
| Net loans and leases to core deposits | 64.3048% | 7,071 |
| Total domestic deposits to total assets | 87.3800% | 2,279 |
| Equity capital to assets | 9.4623% | 4,474 |
| Core capital (leverage) ratio | 9.6260% | 3,554 |
| Tier 1 risk-based capital ratio | 13.9948% | 3,504 |
| Total risk-based capital ratio | 14.8728% | 3,681 |
| Memoranda: | ||
| Average total assets | $28,615,200 | 7,518 |
| Average earning assets | $25,419,600 | 7,529 |
| Average equity | $2,708,600 | 7,675 |
| Average total loans | $15,017,000 | 7,454 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6609% | 7,339 |
| Cost of funding earning assets | 1.7491% | 4,638 |
| Net interest margin | 2.9118% | 6,831 |
| Noninterest income to average assets | 0.4779% | 4,689 |
| Noninterest expense to average assets | 2.8625% | 4,601 |
| Loan and lease loss provision to assets | 1.7398% | 1,057 |
| Net operating income to assets | -1.2155% | 6,967 |
| Return on assets (ROA) | -1.2155% | 6,977 |
| Pretax return on assets | -1.5217% | 6,976 |
| Return on Equity (ROE) | -12.8403% | 7,063 |
| Retained earnings to average equity (ytd only) | -12.8403% | 6,998 |
| Net charge-offs to loans | 4.9029% | 241 |
| Credit loss provision to net charge-offs | 67.6895% | 6,027 |
| Earnings coverage of net charge-offs (x) | 0.0848% | 5,964 |
| Efficiency ratio | 92.9217% | 1,471 |
| Assets per employee ($millions) | 4.6477% | 2,639 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0730% | 5,878 |
| Loan loss allowance to noncurrent loans | 100.0000% | 2,776 |
| Noncurrent assets plus other real estate owned to assets | 0.8678% | 5,350 |
| Noncurrent loans to loans | 1.0730% | 5,165 |
| Net loans and leases to total assets | 54.5507% | 6,319 |
| Net loans and leases to deposits | 62.6446% | 6,616 |
| Net loans and leases to core deposits | 68.4948% | 7,050 |
| Total domestic deposits to total assets | 87.0795% | 2,142 |
| Equity capital to assets | 9.4241% | 4,854 |
| Core capital (leverage) ratio | 9.0792% | 4,528 |
| Tier 1 risk-based capital ratio | 13.5218% | 3,834 |
| Total risk-based capital ratio | 14.3776% | 4,036 |
| Memoranda: | ||
| Average total assets | $28,738,500 | 7,582 |
| Average earning assets | $25,688,250 | 7,582 |
| Average equity | $2,720,500 | 7,743 |
| Average total loans | $15,065,500 | 7,515 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5637% | 7,572 |
| Cost of funding earning assets | 1.8039% | 4,737 |
| Net interest margin | 2.7598% | 7,086 |
| Noninterest income to average assets | 0.4204% | 5,117 |
| Noninterest expense to average assets | 2.8461% | 4,757 |
| Loan and lease loss provision to assets | 2.5842% | 595 |
| Net operating income to assets | -2.4808% | 7,553 |
| Return on assets (ROA) | -2.4808% | 7,545 |
| Pretax return on assets | -2.5428% | 7,431 |
| Return on Equity (ROE) | -26.1692% | 7,648 |
| Retained earnings to average equity (ytd only) | -26.1692% | 7,615 |
| Net charge-offs to loans | 7.4190% | 117 |
| Credit loss provision to net charge-offs | 67.5676% | 5,461 |
| Earnings coverage of net charge-offs (x) | 0.0108% | 5,675 |
| Efficiency ratio | 98.5680% | 1,246 |
| Assets per employee ($millions) | 4.8322% | 2,282 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0990% | 5,608 |
| Loan loss allowance to noncurrent loans | 45.3039% | 5,343 |
| Noncurrent assets plus other real estate owned to assets | 1.5176% | 3,947 |
| Noncurrent loans to loans | 2.4259% | 2,984 |
| Net loans and leases to total assets | 50.9019% | 6,791 |
| Net loans and leases to deposits | 57.8178% | 7,039 |
| Net loans and leases to core deposits | 63.4698% | 7,320 |
| Total domestic deposits to total assets | 88.0385% | 1,748 |
| Equity capital to assets | 8.6883% | 5,770 |
| Core capital (leverage) ratio | 8.6489% | 5,181 |
| Tier 1 risk-based capital ratio | 13.1062% | 4,065 |
| Total risk-based capital ratio | 13.9632% | 4,264 |
| Memoranda: | ||
| Average total assets | $29,022,670 | 7,644 |
| Average earning assets | $25,944,000 | 7,643 |
| Average equity | $2,751,330 | 7,807 |
| Average total loans | $14,961,670 | 7,598 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5149% | 7,702 |
| Cost of funding earning assets | 1.8953% | 4,646 |
| Net interest margin | 2.6196% | 7,340 |
| Noninterest income to average assets | 0.4133% | 5,108 |
| Noninterest expense to average assets | 3.0719% | 3,484 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | -0.2617% | 6,635 |
| Return on assets (ROA) | -0.2617% | 6,712 |
| Pretax return on assets | -0.3168% | 6,687 |
| Return on Equity (ROE) | -2.6504% | 6,737 |
| Retained earnings to average equity (ytd only) | -2.6504% | 6,214 |
| Net charge-offs to loans | 0.0267% | 5,158 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | -23.0000% | 5,673 |
| Efficiency ratio | 111.5000% | 776 |
| Assets per employee ($millions) | 4.1147% | 3,429 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3215% | 921 |
| Loan loss allowance to noncurrent loans | 35.0716% | 6,210 |
| Noncurrent assets plus other real estate owned to assets | 3.6663% | 1,445 |
| Noncurrent loans to loans | 6.6193% | 645 |
| Net loans and leases to total assets | 50.1059% | 6,856 |
| Net loans and leases to deposits | 57.6795% | 7,055 |
| Net loans and leases to core deposits | 63.4457% | 7,334 |
| Total domestic deposits to total assets | 86.8694% | 2,285 |
| Equity capital to assets | 9.9434% | 4,058 |
| Core capital (leverage) ratio | 9.7881% | 3,651 |
| Tier 1 risk-based capital ratio | 14.8848% | 3,120 |
| Total risk-based capital ratio | 15.8458% | 3,188 |
| Memoranda: | ||
| Average total assets | $29,037,500 | 7,686 |
| Average earning assets | $25,958,500 | 7,686 |
| Average equity | $2,867,500 | 7,821 |
| Average total loans | $14,981,500 | 7,634 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1696% | 7,707 |
| Cost of funding earning assets | 2.6666% | 3,330 |
| Net interest margin | 2.5030% | 7,750 |
| Noninterest income to average assets | 0.7780% | 2,628 |
| Noninterest expense to average assets | 2.7684% | 4,963 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.3293% | 5,447 |
| Return on assets (ROA) | 0.3293% | 5,268 |
| Pretax return on assets | 0.2786% | 5,555 |
| Return on Equity (ROE) | 3.2290% | 5,144 |
| Retained earnings to average equity (ytd only) | 3.2290% | 3,139 |
| Net charge-offs to loans | 0.0505% | 6,068 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 11.0000% | 2,429 |
| Efficiency ratio | 90.8551% | 1,449 |
| Assets per employee ($millions) | 3.6590% | 4,267 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2649% | 888 |
| Loan loss allowance to noncurrent loans | 39.8610% | 6,063 |
| Noncurrent assets plus other real estate owned to assets | 3.2181% | 1,419 |
| Noncurrent loans to loans | 5.6821% | 675 |
| Net loans and leases to total assets | 50.7106% | 6,967 |
| Net loans and leases to deposits | 58.2918% | 7,191 |
| Net loans and leases to core deposits | 64.8890% | 7,406 |
| Total domestic deposits to total assets | 86.9944% | 1,938 |
| Equity capital to assets | 9.8080% | 4,284 |
| Core capital (leverage) ratio | 10.1662% | 3,305 |
| Tier 1 risk-based capital ratio | 14.5827% | 3,259 |
| Total risk-based capital ratio | 15.5129% | 3,337 |
| Memoranda: | ||
| Average total assets | $27,633,400 | 7,744 |
| Average earning assets | $25,050,400 | 7,736 |
| Average equity | $2,818,200 | 7,890 |
| Average total loans | $13,855,600 | 7,712 |