Home > Independence State Bank > Performance and Condition Ratios
Independence State Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7062% | 1,652 |
| Cost of funding earning assets | 1.4065% | 3,399 |
| Net interest margin | 4.2997% | 839 |
| Noninterest income to average assets | 0.1900% | 3,621 |
| Noninterest expense to average assets | 3.0658% | 1,041 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | 0.9945% | 2,284 |
| Return on assets (ROA) | 0.9868% | 2,306 |
| Pretax return on assets | 1.2311% | 2,162 |
| Return on Equity (ROE) | 11.0300% | 2,002 |
| Retained earnings to average equity (ytd only) | -5.0338% | 4,079 |
| Net charge-offs to loans | -0.0071% | 3,827 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 71.1902% | 1,690 |
| Assets per employee ($millions) | 4.9829% | 3,685 |
| Cash dividends to net income (ytd only)* | 145.6311% | 274 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2027% | 2,168 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,773 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,816 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 67.2000% | 2,162 |
| Net loans and leases to deposits | 77.1090% | 2,307 |
| Net loans and leases to core deposits | 81.8919% | 2,579 |
| Total domestic deposits to total assets | 87.1500% | 1,862 |
| Equity capital to assets | 8.8550% | 3,035 |
| Core capital (leverage) ratio | 9.2571% | 3,532 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1516% | 2,156 |
| Memoranda: | ||
| Average total assets | $83,503,000 | 3,913 |
| Average earning assets | $79,912,500 | 3,873 |
| Average equity | $7,469,500 | 4,024 |
| Average total loans | $56,519,500 | 3,737 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5634% | 2,011 |
| Cost of funding earning assets | 1.6358% | 3,094 |
| Net interest margin | 3.9276% | 1,310 |
| Noninterest income to average assets | 0.1900% | 3,762 |
| Noninterest expense to average assets | 2.9996% | 1,142 |
| Loan and lease loss provision to assets | 0.0000% | 3,171 |
| Net operating income to assets | 0.7460% | 2,846 |
| Return on assets (ROA) | 0.7480% | 2,854 |
| Pretax return on assets | 0.9232% | 2,742 |
| Return on Equity (ROE) | 8.5100% | 2,595 |
| Retained earnings to average equity (ytd only) | 4.9774% | 2,246 |
| Net charge-offs to loans | 0.0000% | 3,099 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 76.5135% | 1,314 |
| Assets per employee ($millions) | 5.1436% | 3,538 |
| Cash dividends to net income (ytd only)* | 41.5282% | 2,061 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2487% | 1,920 |
| Loan loss allowance to noncurrent loans | 13,840.0000% | 89 |
| Noncurrent assets plus other real estate owned to assets | 0.0061% | 3,729 |
| Noncurrent loans to loans | 0.0090% | 3,694 |
| Net loans and leases to total assets | 66.5000% | 2,312 |
| Net loans and leases to deposits | 76.4244% | 2,413 |
| Net loans and leases to core deposits | 81.1513% | 2,695 |
| Total domestic deposits to total assets | 87.0100% | 1,866 |
| Equity capital to assets | 9.0380% | 2,786 |
| Core capital (leverage) ratio | 9.6243% | 3,092 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7014% | 1,965 |
| Memoranda: | ||
| Average total assets | $80,477,600 | 3,942 |
| Average earning assets | $76,535,800 | 3,915 |
| Average equity | $7,072,000 | 4,042 |
| Average total loans | $55,756,000 | 3,742 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5034% | 2,078 |
| Cost of funding earning assets | 1.6245% | 3,120 |
| Net interest margin | 3.8789% | 1,335 |
| Noninterest income to average assets | 0.1700% | 3,870 |
| Noninterest expense to average assets | 2.9774% | 1,139 |
| Loan and lease loss provision to assets | 0.0000% | 3,009 |
| Net operating income to assets | 0.7098% | 2,963 |
| Return on assets (ROA) | 0.7098% | 2,986 |
| Pretax return on assets | 0.8747% | 2,860 |
| Return on Equity (ROE) | 8.1400% | 2,728 |
| Retained earnings to average equity (ytd only) | 3.3617% | 3,053 |
| Net charge-offs to loans | 0.0000% | 2,849 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 77.2924% | 1,282 |
| Assets per employee ($millions) | 4.8780% | 3,727 |
| Cash dividends to net income (ytd only)* | 58.6854% | 1,040 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2317% | 2,045 |
| Loan loss allowance to noncurrent loans | 935.1351% | 759 |
| Noncurrent assets plus other real estate owned to assets | 0.0892% | 3,097 |
| Noncurrent loans to loans | 0.1317% | 3,016 |
| Net loans and leases to total assets | 66.9200% | 2,216 |
| Net loans and leases to deposits | 81.3446% | 2,047 |
| Net loans and leases to core deposits | 86.1820% | 2,400 |
| Total domestic deposits to total assets | 82.2600% | 3,044 |
| Equity capital to assets | 8.9453% | 3,075 |
| Core capital (leverage) ratio | 9.3538% | 3,423 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2597% | 2,164 |
| Memoranda: | ||
| Average total assets | $80,022,750 | 3,968 |
| Average earning assets | $75,999,250 | 3,938 |
| Average equity | $6,980,500 | 4,068 |
| Average total loans | $55,840,500 | 3,752 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4227% | 2,113 |
| Cost of funding earning assets | 1.5650% | 3,148 |
| Net interest margin | 3.8578% | 1,331 |
| Noninterest income to average assets | 0.1400% | 4,045 |
| Noninterest expense to average assets | 2.9929% | 1,113 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 0.6584% | 3,043 |
| Return on assets (ROA) | 0.6502% | 3,091 |
| Pretax return on assets | 0.7994% | 2,998 |
| Return on Equity (ROE) | 7.5200% | 2,873 |
| Retained earnings to average equity (ytd only) | 0.2048% | 3,790 |
| Net charge-offs to loans | 0.0000% | 2,619 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 78.7092% | 1,228 |
| Assets per employee ($millions) | 4.5998% | 3,871 |
| Cash dividends to net income (ytd only)* | 97.2763% | 407 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2177% | 2,157 |
| Loan loss allowance to noncurrent loans | 2,232.2581% | 425 |
| Noncurrent assets plus other real estate owned to assets | 0.0396% | 3,410 |
| Noncurrent loans to loans | 0.0545% | 3,388 |
| Net loans and leases to total assets | 71.7900% | 1,675 |
| Net loans and leases to deposits | 87.8706% | 1,493 |
| Net loans and leases to core deposits | 92.2972% | 1,985 |
| Total domestic deposits to total assets | 81.7000% | 3,147 |
| Equity capital to assets | 8.8521% | 2,844 |
| Core capital (leverage) ratio | 9.3107% | 3,430 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0137% | 2,248 |
| Memoranda: | ||
| Average total assets | $79,055,000 | 3,993 |
| Average earning assets | $75,017,667 | 3,956 |
| Average equity | $6,834,667 | 4,086 |
| Average total loans | $55,726,667 | 3,764 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2766% | 2,239 |
| Cost of funding earning assets | 1.5114% | 3,167 |
| Net interest margin | 3.7652% | 1,420 |
| Noninterest income to average assets | 0.1600% | 3,893 |
| Noninterest expense to average assets | 3.0044% | 1,087 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 0.5938% | 3,162 |
| Return on assets (ROA) | 0.5938% | 3,189 |
| Pretax return on assets | 0.7297% | 3,084 |
| Return on Equity (ROE) | 6.9500% | 2,969 |
| Retained earnings to average equity (ytd only) | -7.7750% | 4,231 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 80.4582% | 1,169 |
| Assets per employee ($millions) | 4.6985% | 3,842 |
| Cash dividends to net income (ytd only)* | 211.8644% | 158 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2515% | 1,996 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,825 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,894 |
| Noncurrent loans to loans | 0.0000% | 3,844 |
| Net loans and leases to total assets | 68.3600% | 1,979 |
| Net loans and leases to deposits | 82.9223% | 1,809 |
| Net loans and leases to core deposits | 86.4843% | 2,283 |
| Total domestic deposits to total assets | 82.4400% | 3,100 |
| Equity capital to assets | 8.4119% | 3,073 |
| Core capital (leverage) ratio | 9.0595% | 3,658 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9981% | 2,238 |
| Memoranda: | ||
| Average total assets | $79,484,500 | 4,010 |
| Average earning assets | $75,427,000 | 3,975 |
| Average equity | $6,791,000 | 4,113 |
| Average total loans | $55,175,500 | 3,780 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7109% | 2,655 |
| Cost of funding earning assets | 1.0032% | 3,283 |
| Net interest margin | 3.7078% | 1,751 |
| Noninterest income to average assets | 0.1600% | 3,995 |
| Noninterest expense to average assets | 2.9632% | 1,174 |
| Loan and lease loss provision to assets | 0.0100% | 2,964 |
| Net operating income to assets | 0.4505% | 3,767 |
| Return on assets (ROA) | 0.4606% | 3,745 |
| Pretax return on assets | 0.7138% | 3,408 |
| Return on Equity (ROE) | 5.5100% | 3,623 |
| Retained earnings to average equity (ytd only) | 2.4670% | 3,453 |
| Net charge-offs to loans | -0.0038% | 3,780 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 80.7279% | 870 |
| Assets per employee ($millions) | 4.9434% | 3,681 |
| Cash dividends to net income (ytd only)* | 55.2486% | 1,388 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2569% | 1,979 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 68.7400% | 1,952 |
| Net loans and leases to deposits | 83.2864% | 1,833 |
| Net loans and leases to core deposits | 86.8550% | 2,251 |
| Total domestic deposits to total assets | 82.5300% | 3,011 |
| Equity capital to assets | 8.6770% | 2,916 |
| Core capital (leverage) ratio | 9.2394% | 3,473 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2661% | 2,148 |
| Memoranda: | ||
| Average total assets | $78,598,400 | 4,026 |
| Average earning assets | $74,465,400 | 3,985 |
| Average equity | $6,566,600 | 4,104 |
| Average total loans | $52,583,600 | 3,801 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5481% | 2,803 |
| Cost of funding earning assets | 0.8626% | 3,368 |
| Net interest margin | 3.6855% | 1,808 |
| Noninterest income to average assets | 0.1400% | 4,120 |
| Noninterest expense to average assets | 2.9648% | 1,121 |
| Loan and lease loss provision to assets | 0.0100% | 2,772 |
| Net operating income to assets | 0.4949% | 3,776 |
| Return on assets (ROA) | 0.5029% | 3,759 |
| Pretax return on assets | 0.6643% | 3,615 |
| Return on Equity (ROE) | 6.0800% | 3,626 |
| Retained earnings to average equity (ytd only) | 1.9715% | 3,731 |
| Net charge-offs to loans | -0.0051% | 3,754 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 81.7330% | 745 |
| Assets per employee ($millions) | 4.9239% | 3,658 |
| Cash dividends to net income (ytd only)* | 67.5676% | 716 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3529% | 1,641 |
| Loan loss allowance to noncurrent loans | 24,200.0000% | 68 |
| Noncurrent assets plus other real estate owned to assets | 0.0038% | 3,838 |
| Noncurrent loans to loans | 0.0056% | 3,772 |
| Net loans and leases to total assets | 67.1900% | 2,138 |
| Net loans and leases to deposits | 80.8751% | 1,978 |
| Net loans and leases to core deposits | 84.3051% | 2,310 |
| Total domestic deposits to total assets | 83.0800% | 3,002 |
| Equity capital to assets | 8.1832% | 2,937 |
| Core capital (leverage) ratio | 9.1755% | 3,610 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0904% | 2,237 |
| Memoranda: | ||
| Average total assets | $78,474,500 | 4,048 |
| Average earning assets | $74,344,250 | 4,004 |
| Average equity | $6,492,500 | 4,109 |
| Average total loans | $51,965,000 | 3,819 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4001% | 2,882 |
| Cost of funding earning assets | 0.6836% | 3,530 |
| Net interest margin | 3.7165% | 1,790 |
| Noninterest income to average assets | 0.1400% | 4,111 |
| Noninterest expense to average assets | 2.9960% | 1,053 |
| Loan and lease loss provision to assets | 0.0100% | 2,681 |
| Net operating income to assets | 0.4972% | 3,816 |
| Return on assets (ROA) | 0.5053% | 3,808 |
| Pretax return on assets | 0.6661% | 3,671 |
| Return on Equity (ROE) | 6.0900% | 3,672 |
| Retained earnings to average equity (ytd only) | -0.0615% | 4,110 |
| Net charge-offs to loans | -0.0078% | 3,835 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 81.7549% | 726 |
| Assets per employee ($millions) | 4.7947% | 3,753 |
| Cash dividends to net income (ytd only)* | 101.0101% | 314 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3943% | 1,553 |
| 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 | 66.9300% | 2,062 |
| Net loans and leases to deposits | 81.6926% | 1,852 |
| Net loans and leases to core deposits | 84.0407% | 2,208 |
| Total domestic deposits to total assets | 81.9300% | 3,243 |
| Equity capital to assets | 8.4312% | 2,920 |
| Core capital (leverage) ratio | 9.0918% | 3,669 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3501% | 2,157 |
| Memoranda: | ||
| Average total assets | $78,371,667 | 4,065 |
| Average earning assets | $74,316,667 | 4,022 |
| Average equity | $6,507,667 | 4,132 |
| Average total loans | $51,399,333 | 3,843 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2252% | 2,991 |
| Cost of funding earning assets | 0.5268% | 3,606 |
| Net interest margin | 3.6984% | 1,903 |
| Noninterest income to average assets | 0.1600% | 4,021 |
| Noninterest expense to average assets | 2.9394% | 1,164 |
| Loan and lease loss provision to assets | 0.0300% | 2,084 |
| Net operating income to assets | 0.5324% | 3,828 |
| Return on assets (ROA) | 0.5404% | 3,773 |
| Pretax return on assets | 0.7121% | 3,633 |
| Return on Equity (ROE) | 6.5600% | 3,623 |
| Retained earnings to average equity (ytd only) | -5.6990% | 4,358 |
| Net charge-offs to loans | -0.0078% | 3,770 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 80.1653% | 820 |
| Assets per employee ($millions) | 4.8139% | 3,784 |
| Cash dividends to net income (ytd only)* | 186.9159% | 171 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4294% | 1,503 |
| Loan loss allowance to noncurrent loans | 906.2500% | 1,057 |
| Noncurrent assets plus other real estate owned to assets | 0.1039% | 2,799 |
| Noncurrent loans to loans | 0.1577% | 2,698 |
| Net loans and leases to total assets | 64.9100% | 2,162 |
| Net loans and leases to deposits | 74.3343% | 2,272 |
| Net loans and leases to core deposits | 75.8742% | 2,541 |
| Total domestic deposits to total assets | 87.3200% | 2,156 |
| Equity capital to assets | 8.4781% | 2,913 |
| Core capital (leverage) ratio | 8.7069% | 3,979 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3498% | 2,243 |
| Memoranda: | ||
| Average total assets | $79,200,000 | 4,107 |
| Average earning assets | $75,168,500 | 4,067 |
| Average equity | $6,527,500 | 4,179 |
| Average total loans | $51,064,500 | 3,890 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6278% | 2,714 |
| Cost of funding earning assets | 0.2597% | 3,242 |
| Net interest margin | 3.3682% | 2,351 |
| Noninterest income to average assets | 0.1600% | 4,171 |
| Noninterest expense to average assets | 2.7752% | 1,366 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.4497% | 4,171 |
| Return on assets (ROA) | 0.4468% | 4,137 |
| Pretax return on assets | 0.5839% | 4,055 |
| Return on Equity (ROE) | 5.5300% | 3,924 |
| Retained earnings to average equity (ytd only) | 5.5276% | 2,820 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 82.5264% | 564 |
| Assets per employee ($millions) | 5.0861% | 3,604 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3986% | 1,508 |
| 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 | 62.2900% | 2,404 |
| Net loans and leases to deposits | 70.3989% | 2,549 |
| Net loans and leases to core deposits | 71.7541% | 2,741 |
| Total domestic deposits to total assets | 88.4800% | 1,894 |
| Equity capital to assets | 8.0181% | 3,050 |
| Core capital (leverage) ratio | 8.5753% | 4,069 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2492% | 2,266 |
| Memoranda: | ||
| Average total assets | $81,686,600 | 4,108 |
| Average earning assets | $77,787,400 | 4,067 |
| Average equity | $6,603,200 | 4,261 |
| Average total loans | $52,614,200 | 3,852 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4241% | 2,848 |
| Cost of funding earning assets | 0.2276% | 2,953 |
| Net interest margin | 3.1965% | 2,638 |
| Noninterest income to average assets | 0.1400% | 4,301 |
| Noninterest expense to average assets | 2.7085% | 1,447 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.3724% | 4,285 |
| Return on assets (ROA) | 0.3685% | 4,239 |
| Pretax return on assets | 0.4745% | 4,180 |
| Return on Equity (ROE) | 4.5500% | 4,070 |
| Retained earnings to average equity (ytd only) | 4.5499% | 3,261 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 84.9616% | 497 |
| Assets per employee ($millions) | 5.0343% | 3,645 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3555% | 1,780 |
| Loan loss allowance to noncurrent loans | 147.9424% | 3,036 |
| Noncurrent assets plus other real estate owned to assets | 0.6034% | 881 |
| Noncurrent loans to loans | 0.9163% | 854 |
| Net loans and leases to total assets | 64.9600% | 1,988 |
| Net loans and leases to deposits | 73.2507% | 2,108 |
| Net loans and leases to core deposits | 74.6458% | 2,303 |
| Total domestic deposits to total assets | 88.6800% | 2,223 |
| Equity capital to assets | 7.7915% | 3,025 |
| Core capital (leverage) ratio | 8.4719% | 4,082 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8289% | 2,542 |
| Memoranda: | ||
| Average total assets | $81,763,750 | 4,132 |
| Average earning assets | $77,916,750 | 4,090 |
| Average equity | $6,622,750 | 4,299 |
| Average total loans | $52,915,500 | 3,869 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2779% | 2,807 |
| Cost of funding earning assets | 0.2015% | 2,894 |
| Net interest margin | 3.0764% | 2,616 |
| Noninterest income to average assets | 0.1460% | 4,290 |
| Noninterest expense to average assets | 2.7115% | 1,362 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.2925% | 4,302 |
| Return on assets (ROA) | 0.2848% | 4,265 |
| Pretax return on assets | 0.3602% | 4,214 |
| Return on Equity (ROE) | 3.4727% | 4,141 |
| Retained earnings to average equity (ytd only) | 3.4727% | 3,284 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.9937% | 488 |
| Assets per employee ($millions) | 5.0820% | 3,606 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3649% | 1,906 |
| Loan loss allowance to noncurrent loans | 152.3305% | 2,998 |
| Noncurrent assets plus other real estate owned to assets | 0.5805% | 968 |
| Noncurrent loans to loans | 0.8960% | 940 |
| Net loans and leases to total assets | 63.9020% | 1,923 |
| Net loans and leases to deposits | 72.5070% | 1,992 |
| Net loans and leases to core deposits | 73.8824% | 2,182 |
| Total domestic deposits to total assets | 88.1321% | 2,518 |
| Equity capital to assets | 7.9238% | 3,182 |
| Core capital (leverage) ratio | 8.2153% | 4,168 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7879% | 2,576 |
| Memoranda: | ||
| Average total assets | $82,168,667 | 4,174 |
| Average earning assets | $78,404,333 | 4,138 |
| Average equity | $6,738,333 | 4,345 |
| Average total loans | $52,873,333 | 3,915 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2151% | 2,638 |
| Cost of funding earning assets | 0.2130% | 2,624 |
| Net interest margin | 3.0021% | 2,496 |
| Noninterest income to average assets | 0.1114% | 4,451 |
| Noninterest expense to average assets | 2.7313% | 1,288 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.2034% | 4,328 |
| Return on assets (ROA) | 0.2034% | 4,295 |
| Pretax return on assets | 0.2470% | 4,273 |
| Return on Equity (ROE) | 2.4397% | 4,193 |
| Retained earnings to average equity (ytd only) | 2.4397% | 3,423 |
| Net charge-offs to loans | 0.0076% | 1,473 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 51.0000% | 920 |
| Efficiency ratio | 91.7073% | 474 |
| Assets per employee ($millions) | 5.1296% | 3,642 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3416% | 2,152 |
| Loan loss allowance to noncurrent loans | 150.8403% | 2,964 |
| Noncurrent assets plus other real estate owned to assets | 0.5800% | 1,018 |
| Noncurrent loans to loans | 0.8894% | 1,043 |
| Net loans and leases to total assets | 64.3322% | 1,584 |
| Net loans and leases to deposits | 73.1758% | 1,677 |
| Net loans and leases to core deposits | 74.2762% | 1,919 |
| Total domestic deposits to total assets | 87.9146% | 2,564 |
| Equity capital to assets | 8.0976% | 3,494 |
| Core capital (leverage) ratio | 8.1326% | 4,214 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5439% | 2,761 |
| Memoranda: | ||
| Average total assets | $82,597,000 | 4,186 |
| Average earning assets | $78,877,500 | 4,152 |
| Average equity | $6,886,000 | 4,372 |
| Average total loans | $52,970,500 | 3,924 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7433% | 1,996 |
| Cost of funding earning assets | 0.3486% | 1,943 |
| Net interest margin | 3.3947% | 2,048 |
| Noninterest income to average assets | 0.2764% | 3,736 |
| Noninterest expense to average assets | 2.7695% | 1,434 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.5594% | 3,961 |
| Return on assets (ROA) | 0.5980% | 3,924 |
| Pretax return on assets | 0.7921% | 3,745 |
| Return on Equity (ROE) | 7.0658% | 3,496 |
| Retained earnings to average equity (ytd only) | 5.3064% | 2,671 |
| Net charge-offs to loans | -0.0037% | 3,484 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.8403% | 883 |
| Assets per employee ($millions) | 5.1950% | 3,560 |
| Cash dividends to net income (ytd only)* | 24.9004% | 2,796 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3715% | 2,040 |
| Loan loss allowance to noncurrent loans | 155.6277% | 2,920 |
| Noncurrent assets plus other real estate owned to assets | 0.5558% | 1,189 |
| Noncurrent loans to loans | 0.8813% | 1,150 |
| Net loans and leases to total assets | 62.2040% | 1,912 |
| Net loans and leases to deposits | 71.8001% | 1,929 |
| Net loans and leases to core deposits | 72.6251% | 2,196 |
| Total domestic deposits to total assets | 86.6350% | 2,653 |
| Equity capital to assets | 8.5731% | 4,002 |
| Core capital (leverage) ratio | 8.1170% | 4,273 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6700% | 2,730 |
| Memoranda: | ||
| Average total assets | $83,951,200 | 4,166 |
| Average earning assets | $80,035,800 | 4,133 |
| Average equity | $7,104,600 | 4,413 |
| Average total loans | $53,399,600 | 3,942 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8666% | 1,869 |
| Cost of funding earning assets | 0.3858% | 1,814 |
| Net interest margin | 3.4807% | 1,925 |
| Noninterest income to average assets | 0.2852% | 3,740 |
| Noninterest expense to average assets | 2.7265% | 1,521 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.6511% | 3,896 |
| Return on assets (ROA) | 0.6987% | 3,836 |
| Pretax return on assets | 0.9347% | 3,621 |
| Return on Equity (ROE) | 8.2824% | 3,321 |
| Retained earnings to average equity (ytd only) | 8.2824% | 1,959 |
| Net charge-offs to loans | -0.0025% | 3,263 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7149% | 1,056 |
| Assets per employee ($millions) | 5.0877% | 3,617 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3504% | 2,223 |
| Loan loss allowance to noncurrent loans | 111.8380% | 3,282 |
| Noncurrent assets plus other real estate owned to assets | 0.7887% | 909 |
| Noncurrent loans to loans | 1.2074% | 923 |
| Net loans and leases to total assets | 64.4350% | 1,716 |
| Net loans and leases to deposits | 74.7563% | 1,784 |
| Net loans and leases to core deposits | 75.6272% | 2,090 |
| Total domestic deposits to total assets | 86.1934% | 2,672 |
| Equity capital to assets | 8.9321% | 3,893 |
| Core capital (leverage) ratio | 7.6323% | 4,648 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4846% | 2,867 |
| Memoranda: | ||
| Average total assets | $84,159,000 | 4,212 |
| Average earning assets | $80,172,750 | 4,180 |
| Average equity | $7,099,250 | 4,476 |
| Average total loans | $53,643,750 | 3,987 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0844% | 1,381 |
| Cost of funding earning assets | 0.4146% | 1,765 |
| Net interest margin | 3.6698% | 1,427 |
| Noninterest income to average assets | 0.2492% | 3,909 |
| Noninterest expense to average assets | 2.6705% | 1,662 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.7940% | 3,528 |
| Return on assets (ROA) | 0.8627% | 3,400 |
| Pretax return on assets | 1.1613% | 3,021 |
| Return on Equity (ROE) | 10.4232% | 2,610 |
| Retained earnings to average equity (ytd only) | 10.4232% | 1,282 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.3120% | 1,495 |
| Assets per employee ($millions) | 5.2411% | 3,418 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3148% | 2,368 |
| Loan loss allowance to noncurrent loans | 97.4220% | 3,383 |
| Noncurrent assets plus other real estate owned to assets | 0.8272% | 957 |
| Noncurrent loans to loans | 1.3495% | 865 |
| Net loans and leases to total assets | 60.4873% | 2,362 |
| Net loans and leases to deposits | 73.7684% | 2,021 |
| Net loans and leases to core deposits | 75.4645% | 2,290 |
| Total domestic deposits to total assets | 81.9962% | 3,922 |
| Equity capital to assets | 8.0552% | 4,498 |
| Core capital (leverage) ratio | 7.6282% | 4,664 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4555% | 2,872 |
| Memoranda: | ||
| Average total assets | $85,077,667 | 4,229 |
| Average earning assets | $81,039,667 | 4,191 |
| Average equity | $7,042,000 | 4,505 |
| Average total loans | $53,801,667 | 4,009 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5611% | 711 |
| Cost of funding earning assets | 0.4404% | 1,797 |
| Net interest margin | 4.1207% | 701 |
| Noninterest income to average assets | 0.2600% | 3,839 |
| Noninterest expense to average assets | 2.7448% | 1,501 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.0524% | 2,628 |
| Return on assets (ROA) | 1.1894% | 2,261 |
| Pretax return on assets | 1.6083% | 1,703 |
| Return on Equity (ROE) | 14.1659% | 1,403 |
| Retained earnings to average equity (ytd only) | 14.1659% | 739 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6682% | 2,279 |
| Assets per employee ($millions) | 5.0483% | 3,601 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3135% | 2,375 |
| Loan loss allowance to noncurrent loans | 65.3601% | 3,778 |
| Noncurrent assets plus other real estate owned to assets | 1.2782% | 557 |
| Noncurrent loans to loans | 2.0097% | 536 |
| Net loans and leases to total assets | 62.7690% | 2,197 |
| Net loans and leases to deposits | 71.5354% | 2,359 |
| Net loans and leases to core deposits | 73.1260% | 2,603 |
| Total domestic deposits to total assets | 87.7454% | 1,983 |
| Equity capital to assets | 8.1787% | 4,377 |
| Core capital (leverage) ratio | 7.8140% | 4,660 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4383% | 2,830 |
| Memoranda: | ||
| Average total assets | $83,067,500 | 4,266 |
| Average earning assets | $79,015,500 | 4,234 |
| Average equity | $6,974,500 | 4,526 |
| Average total loans | $53,397,000 | 4,031 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1514% | 2,274 |
| Cost of funding earning assets | 0.6870% | 1,791 |
| Net interest margin | 3.4644% | 2,580 |
| Noninterest income to average assets | 0.4493% | 2,867 |
| Noninterest expense to average assets | 2.9398% | 1,570 |
| Loan and lease loss provision to assets | -0.0663% | 4,947 |
| Net operating income to assets | 0.6171% | 3,686 |
| Return on assets (ROA) | 0.6150% | 3,821 |
| Pretax return on assets | 0.8417% | 3,522 |
| Return on Equity (ROE) | 6.8949% | 3,249 |
| Retained earnings to average equity (ytd only) | 5.1860% | 2,194 |
| Net charge-offs to loans | -0.1289% | 4,848 |
| Credit loss provision to net charge-offs | 75.7576% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.0731% | 954 |
| Assets per employee ($millions) | 5.0196% | 3,370 |
| Cash dividends to net income (ytd only)* | 24.7845% | 3,064 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3734% | 2,092 |
| Loan loss allowance to noncurrent loans | 121.7317% | 3,067 |
| Noncurrent assets plus other real estate owned to assets | 0.7334% | 1,410 |
| Noncurrent loans to loans | 1.1282% | 1,256 |
| Net loans and leases to total assets | 64.1121% | 2,343 |
| Net loans and leases to deposits | 74.1272% | 2,471 |
| Net loans and leases to core deposits | 75.9130% | 2,736 |
| Total domestic deposits to total assets | 86.4893% | 2,155 |
| Equity capital to assets | 8.6286% | 4,349 |
| Core capital (leverage) ratio | 7.8709% | 4,693 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3994% | 2,823 |
| Memoranda: | ||
| Average total assets | $75,446,800 | 4,302 |
| Average earning assets | $71,181,200 | 4,278 |
| Average equity | $6,729,600 | 4,556 |
| Average total loans | $51,185,400 | 4,093 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4294% | 1,768 |
| Cost of funding earning assets | 0.7513% | 1,737 |
| Net interest margin | 3.6782% | 2,016 |
| Noninterest income to average assets | 0.4562% | 2,811 |
| Noninterest expense to average assets | 2.9511% | 1,562 |
| Loan and lease loss provision to assets | 0.0593% | 3,605 |
| Net operating income to assets | 0.6706% | 3,564 |
| Return on assets (ROA) | 0.6664% | 3,681 |
| Pretax return on assets | 0.9053% | 3,370 |
| Return on Equity (ROE) | 7.4056% | 3,047 |
| Retained earnings to average equity (ytd only) | 6.9065% | 1,739 |
| Net charge-offs to loans | 0.0131% | 2,637 |
| Credit loss provision to net charge-offs | 660.0000% | 1,108 |
| Earnings coverage of net charge-offs (x) | 108.0000% | 752 |
| Efficiency ratio | 75.2634% | 1,273 |
| Assets per employee ($millions) | 5.0364% | 3,200 |
| Cash dividends to net income (ytd only)* | 6.7385% | 3,210 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3566% | 1,924 |
| Loan loss allowance to noncurrent loans | 106.4234% | 3,189 |
| Noncurrent assets plus other real estate owned to assets | 0.8501% | 1,367 |
| Noncurrent loans to loans | 1.2748% | 1,169 |
| Net loans and leases to total assets | 65.7794% | 2,545 |
| Net loans and leases to deposits | 78.9888% | 2,423 |
| Net loans and leases to core deposits | 80.9551% | 2,758 |
| Total domestic deposits to total assets | 83.2769% | 3,069 |
| Equity capital to assets | 8.5775% | 4,420 |
| Core capital (leverage) ratio | 7.9719% | 4,694 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5215% | 3,025 |
| Memoranda: | ||
| Average total assets | $74,230,000 | 4,326 |
| Average earning assets | $69,924,500 | 4,309 |
| Average equity | $6,679,500 | 4,582 |
| Average total loans | $50,929,750 | 4,116 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8193% | 1,121 |
| Cost of funding earning assets | 0.8239% | 1,710 |
| Net interest margin | 3.9954% | 1,334 |
| Noninterest income to average assets | 0.4132% | 3,001 |
| Noninterest expense to average assets | 3.0480% | 1,468 |
| Loan and lease loss provision to assets | 0.0666% | 3,463 |
| Net operating income to assets | 0.7699% | 3,160 |
| Return on assets (ROA) | 0.7655% | 3,283 |
| Pretax return on assets | 1.0456% | 2,888 |
| Return on Equity (ROE) | 8.3611% | 2,608 |
| Retained earnings to average equity (ytd only) | 7.6038% | 1,432 |
| Net charge-offs to loans | 0.0240% | 2,235 |
| Credit loss provision to net charge-offs | 400.0000% | 1,403 |
| Earnings coverage of net charge-offs (x) | 67.1667% | 902 |
| Efficiency ratio | 73.1691% | 1,545 |
| Assets per employee ($millions) | 4.7469% | 3,476 |
| Cash dividends to net income (ytd only)* | 9.0580% | 3,053 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4164% | 1,531 |
| Loan loss allowance to noncurrent loans | 66.8837% | 3,774 |
| Noncurrent assets plus other real estate owned to assets | 1.4154% | 683 |
| Noncurrent loans to loans | 2.1178% | 607 |
| Net loans and leases to total assets | 65.8872% | 2,644 |
| Net loans and leases to deposits | 81.6772% | 2,236 |
| Net loans and leases to core deposits | 86.4612% | 2,399 |
| Total domestic deposits to total assets | 80.6678% | 3,688 |
| Equity capital to assets | 8.9966% | 4,089 |
| Core capital (leverage) ratio | 8.2536% | 4,594 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0162% | 2,961 |
| Memoranda: | ||
| Average total assets | $72,112,333 | 4,371 |
| Average earning assets | $67,727,333 | 4,347 |
| Average equity | $6,602,000 | 4,618 |
| Average total loans | $49,994,333 | 4,142 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4012% | 2,613 |
| Cost of funding earning assets | 0.8960% | 1,891 |
| Net interest margin | 3.5052% | 2,960 |
| Noninterest income to average assets | 0.2450% | 4,093 |
| Noninterest expense to average assets | 3.1171% | 1,596 |
| Loan and lease loss provision to assets | 0.0513% | 3,134 |
| Net operating income to assets | 0.2823% | 4,379 |
| Return on assets (ROA) | 0.2507% | 4,471 |
| Pretax return on assets | 0.3362% | 4,395 |
| Return on Equity (ROE) | 2.7133% | 4,288 |
| Retained earnings to average equity (ytd only) | 1.1717% | 3,701 |
| Net charge-offs to loans | 0.0081% | 2,275 |
| Credit loss provision to net charge-offs | 900.0000% | 620 |
| Earnings coverage of net charge-offs (x) | 75.0000% | 697 |
| Efficiency ratio | 87.9421% | 587 |
| Assets per employee ($millions) | 4.4290% | 3,366 |
| Cash dividends to net income (ytd only)* | 56.8182% | 1,462 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4248% | 1,612 |
| Loan loss allowance to noncurrent loans | 63.4736% | 3,853 |
| Noncurrent assets plus other real estate owned to assets | 1.5763% | 660 |
| Noncurrent loans to loans | 2.2448% | 581 |
| Net loans and leases to total assets | 69.2185% | 2,365 |
| Net loans and leases to deposits | 83.2530% | 2,309 |
| Net loans and leases to core deposits | 88.3133% | 2,499 |
| Total domestic deposits to total assets | 83.1424% | 3,065 |
| Equity capital to assets | 9.2148% | 4,457 |
| Core capital (leverage) ratio | 8.3126% | 4,883 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9216% | 3,126 |
| Memoranda: | ||
| Average total assets | $70,193,000 | 4,414 |
| Average earning assets | $66,072,500 | 4,384 |
| Average equity | $6,486,500 | 4,669 |
| Average total loans | $49,611,000 | 4,157 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6554% | 2,455 |
| Cost of funding earning assets | 0.9096% | 2,154 |
| Net interest margin | 3.7457% | 2,672 |
| Noninterest income to average assets | 0.3509% | 3,601 |
| Noninterest expense to average assets | 3.2670% | 1,368 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.4090% | 4,577 |
| Return on assets (ROA) | 0.4251% | 4,579 |
| Pretax return on assets | 0.5634% | 4,472 |
| Return on Equity (ROE) | 4.6565% | 4,307 |
| Retained earnings to average equity (ytd only) | 4.6565% | 2,614 |
| Net charge-offs to loans | -0.0020% | 4,229 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.7470% | 556 |
| Assets per employee ($millions) | 4.3451% | 3,444 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4172% | 1,462 |
| Loan loss allowance to noncurrent loans | 62.5335% | 3,891 |
| Noncurrent assets plus other real estate owned to assets | 1.6124% | 599 |
| Noncurrent loans to loans | 2.2664% | 530 |
| Net loans and leases to total assets | 70.1375% | 2,380 |
| Net loans and leases to deposits | 85.0369% | 2,201 |
| Net loans and leases to core deposits | 90.7536% | 2,352 |
| Total domestic deposits to total assets | 82.4789% | 3,369 |
| Equity capital to assets | 9.2676% | 4,517 |
| Core capital (leverage) ratio | 8.4625% | 4,859 |
| Tier 1 risk-based capital ratio | 10.8531% | 4,906 |
| Total risk-based capital ratio | 12.1144% | 4,811 |
| Memoranda: | ||
| Average total assets | $68,687,800 | 4,448 |
| Average earning assets | $63,432,200 | 4,447 |
| Average equity | $6,270,800 | 4,725 |
| Average total loans | $48,976,600 | 4,204 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6977% | 2,423 |
| Cost of funding earning assets | 0.9031% | 2,218 |
| Net interest margin | 3.7946% | 2,620 |
| Noninterest income to average assets | 0.3621% | 3,556 |
| Noninterest expense to average assets | 3.2554% | 1,364 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.4556% | 4,616 |
| Return on assets (ROA) | 0.4556% | 4,647 |
| Pretax return on assets | 0.5919% | 4,559 |
| Return on Equity (ROE) | 5.0097% | 4,325 |
| Retained earnings to average equity (ytd only) | 5.0097% | 2,886 |
| Net charge-offs to loans | -0.0027% | 4,091 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.6154% | 573 |
| Assets per employee ($millions) | 4.2762% | 3,516 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4555% | 1,378 |
| Loan loss allowance to noncurrent loans | 50.5043% | 4,170 |
| Noncurrent assets plus other real estate owned to assets | 2.0287% | 427 |
| Noncurrent loans to loans | 2.8819% | 354 |
| Net loans and leases to total assets | 69.3682% | 2,571 |
| Net loans and leases to deposits | 83.9973% | 2,457 |
| Net loans and leases to core deposits | 89.6980% | 2,568 |
| Total domestic deposits to total assets | 82.5838% | 3,286 |
| Equity capital to assets | 9.3483% | 4,565 |
| Core capital (leverage) ratio | 8.4475% | 4,967 |
| Tier 1 risk-based capital ratio | 10.9212% | 4,952 |
| Total risk-based capital ratio | 12.1823% | 4,821 |
| Memoranda: | ||
| Average total assets | $68,479,250 | 4,505 |
| Average earning assets | $62,895,000 | 4,514 |
| Average equity | $6,227,750 | 4,795 |
| Average total loans | $48,855,250 | 4,260 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7252% | 2,288 |
| Cost of funding earning assets | 0.8822% | 2,230 |
| Net interest margin | 3.8430% | 2,424 |
| Noninterest income to average assets | 0.3533% | 3,575 |
| Noninterest expense to average assets | 3.2701% | 1,344 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.4555% | 4,627 |
| Return on assets (ROA) | 0.4555% | 4,655 |
| Pretax return on assets | 0.5810% | 4,578 |
| Return on Equity (ROE) | 5.0554% | 4,333 |
| Retained earnings to average equity (ytd only) | 5.0554% | 2,744 |
| Net charge-offs to loans | -0.0041% | 4,075 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.9128% | 599 |
| Assets per employee ($millions) | 3.9581% | 3,925 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4454% | 1,440 |
| Loan loss allowance to noncurrent loans | 72.5673% | 3,787 |
| Noncurrent assets plus other real estate owned to assets | 1.4356% | 800 |
| Noncurrent loans to loans | 1.9918% | 723 |
| Net loans and leases to total assets | 71.0335% | 2,373 |
| Net loans and leases to deposits | 86.3370% | 2,218 |
| Net loans and leases to core deposits | 92.3007% | 2,386 |
| Total domestic deposits to total assets | 82.2747% | 3,438 |
| Equity capital to assets | 9.3657% | 4,527 |
| Core capital (leverage) ratio | 8.5719% | 4,927 |
| Tier 1 risk-based capital ratio | 10.9341% | 4,944 |
| Total risk-based capital ratio | 12.1935% | 4,850 |
| Memoranda: | ||
| Average total assets | $68,499,330 | 4,542 |
| Average earning assets | $62,346,670 | 4,552 |
| Average equity | $6,171,670 | 4,834 |
| Average total loans | $49,086,330 | 4,280 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5687% | 2,641 |
| Cost of funding earning assets | 0.8542% | 2,247 |
| Net interest margin | 3.7145% | 2,840 |
| Noninterest income to average assets | 0.4573% | 2,812 |
| Noninterest expense to average assets | 3.2241% | 1,440 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.4631% | 4,614 |
| Return on assets (ROA) | 0.4631% | 4,633 |
| Pretax return on assets | 0.5557% | 4,591 |
| Return on Equity (ROE) | 5.2403% | 4,264 |
| Retained earnings to average equity (ytd only) | 5.2403% | 2,807 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.2986% | 625 |
| Assets per employee ($millions) | 4.0035% | 3,914 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4170% | 1,610 |
| Loan loss allowance to noncurrent loans | 46.8227% | 4,319 |
| Noncurrent assets plus other real estate owned to assets | 2.1966% | 400 |
| Noncurrent loans to loans | 3.0263% | 358 |
| Net loans and leases to total assets | 71.5545% | 2,242 |
| Net loans and leases to deposits | 86.4625% | 2,076 |
| Net loans and leases to core deposits | 92.3013% | 2,275 |
| Total domestic deposits to total assets | 82.7579% | 3,481 |
| Equity capital to assets | 9.0626% | 4,636 |
| Core capital (leverage) ratio | 8.3521% | 5,085 |
| Tier 1 risk-based capital ratio | 10.5859% | 5,153 |
| Total risk-based capital ratio | 11.8470% | 5,046 |
| Memoranda: | ||
| Average total assets | $69,105,000 | 4,584 |
| Average earning assets | $61,812,500 | 4,618 |
| Average equity | $6,106,500 | 4,880 |
| Average total loans | $49,380,500 | 4,315 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5740% | 2,218 |
| Cost of funding earning assets | 0.6712% | 2,257 |
| Net interest margin | 3.9028% | 2,316 |
| Noninterest income to average assets | 0.2500% | 4,425 |
| Noninterest expense to average assets | 3.2895% | 1,346 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.3129% | 4,989 |
| Return on assets (ROA) | 0.3129% | 4,982 |
| Pretax return on assets | 0.4342% | 4,901 |
| Return on Equity (ROE) | 3.5364% | 4,811 |
| Retained earnings to average equity (ytd only) | 3.5364% | 3,643 |
| Net charge-offs to loans | 0.8835% | 172 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 0.6651% | 3,682 |
| Efficiency ratio | 88.3394% | 415 |
| Assets per employee ($millions) | 4.1265% | 3,707 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4181% | 1,567 |
| Loan loss allowance to noncurrent loans | 31.9635% | 4,610 |
| Noncurrent assets plus other real estate owned to assets | 3.1219% | 188 |
| Noncurrent loans to loans | 4.4367% | 145 |
| Net loans and leases to total assets | 69.3671% | 2,683 |
| Net loans and leases to deposits | 83.2239% | 2,601 |
| Net loans and leases to core deposits | 88.6018% | 2,693 |
| Total domestic deposits to total assets | 83.3500% | 3,213 |
| Equity capital to assets | 8.6172% | 4,862 |
| Core capital (leverage) ratio | 8.3388% | 5,095 |
| Tier 1 risk-based capital ratio | 10.4131% | 5,214 |
| Total risk-based capital ratio | 11.6737% | 5,116 |
| Memoranda: | ||
| Average total assets | $66,789,000 | 4,634 |
| Average earning assets | $59,444,400 | 4,674 |
| Average equity | $5,910,000 | 4,913 |
| Average total loans | $49,349,600 | 4,330 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5244% | 2,211 |
| Cost of funding earning assets | 0.6088% | 2,411 |
| Net interest margin | 3.9156% | 2,238 |
| Noninterest income to average assets | 0.2062% | 4,726 |
| Noninterest expense to average assets | 3.3682% | 1,167 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.2790% | 5,117 |
| Return on assets (ROA) | 0.2790% | 5,111 |
| Pretax return on assets | 0.3619% | 5,073 |
| Return on Equity (ROE) | 3.1312% | 4,988 |
| Retained earnings to average equity (ytd only) | 3.1312% | 4,181 |
| Net charge-offs to loans | 1.1861% | 112 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 0.4077% | 3,403 |
| Efficiency ratio | 90.2981% | 319 |
| Assets per employee ($millions) | 3.7002% | 4,308 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4025% | 1,688 |
| Loan loss allowance to noncurrent loans | 37.5471% | 4,618 |
| Noncurrent assets plus other real estate owned to assets | 2.7911% | 285 |
| Noncurrent loans to loans | 3.7353% | 241 |
| Net loans and leases to total assets | 73.6758% | 2,043 |
| Net loans and leases to deposits | 89.5325% | 1,955 |
| Net loans and leases to core deposits | 95.2410% | 2,189 |
| Total domestic deposits to total assets | 82.2894% | 3,526 |
| Equity capital to assets | 8.9049% | 4,637 |
| Core capital (leverage) ratio | 8.6654% | 4,985 |
| Tier 1 risk-based capital ratio | 10.1029% | 5,365 |
| Total risk-based capital ratio | 11.3629% | 5,294 |
| Memoranda: | ||
| Average total assets | $65,948,750 | 4,703 |
| Average earning assets | $59,350,250 | 4,728 |
| Average equity | $5,876,250 | 4,966 |
| Average total loans | $49,346,750 | 4,375 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4620% | 2,211 |
| Cost of funding earning assets | 0.5471% | 2,628 |
| Net interest margin | 3.9149% | 2,155 |
| Noninterest income to average assets | 0.1947% | 4,851 |
| Noninterest expense to average assets | 3.4231% | 1,110 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.2738% | 5,156 |
| Return on assets (ROA) | 0.2738% | 5,148 |
| Pretax return on assets | 0.2769% | 5,179 |
| Return on Equity (ROE) | 3.0727% | 5,016 |
| Retained earnings to average equity (ytd only) | 3.0727% | 4,025 |
| Net charge-offs to loans | 1.7803% | 63 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 0.2078% | 3,136 |
| Efficiency ratio | 92.5164% | 292 |
| Assets per employee ($millions) | 3.6159% | 4,448 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3922% | 1,777 |
| Loan loss allowance to noncurrent loans | 61.2281% | 4,190 |
| Noncurrent assets plus other real estate owned to assets | 1.7515% | 685 |
| Noncurrent loans to loans | 2.2737% | 599 |
| Net loans and leases to total assets | 75.9599% | 1,645 |
| Net loans and leases to deposits | 90.1187% | 1,825 |
| Net loans and leases to core deposits | 92.7493% | 2,332 |
| Total domestic deposits to total assets | 84.2887% | 2,964 |
| Equity capital to assets | 9.0633% | 4,512 |
| Core capital (leverage) ratio | 8.2355% | 5,245 |
| Tier 1 risk-based capital ratio | 8.9631% | 5,513 |
| Total risk-based capital ratio | 10.1704% | 5,512 |
| Memoranda: | ||
| Average total assets | $65,730,330 | 4,762 |
| Average earning assets | $58,852,330 | 4,794 |
| Average equity | $5,858,000 | 5,022 |
| Average total loans | $49,206,000 | 4,421 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3447% | 2,365 |
| Cost of funding earning assets | 0.5491% | 2,411 |
| Net interest margin | 3.7956% | 2,445 |
| Noninterest income to average assets | 0.1635% | 5,039 |
| Noninterest expense to average assets | 3.4700% | 1,052 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.0363% | 5,363 |
| Return on assets (ROA) | 0.0363% | 5,360 |
| Pretax return on assets | 0.0424% | 5,362 |
| Return on Equity (ROE) | 0.4111% | 5,355 |
| Retained earnings to average equity (ytd only) | 0.4111% | 4,741 |
| Net charge-offs to loans | 3.5946% | 28 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 0.0160% | 2,657 |
| Efficiency ratio | 98.7931% | 192 |
| Assets per employee ($millions) | 3.4975% | 4,666 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4472% | 1,674 |
| Loan loss allowance to noncurrent loans | 66.8906% | 4,074 |
| Noncurrent assets plus other real estate owned to assets | 1.5680% | 866 |
| Noncurrent loans to loans | 2.1635% | 703 |
| Net loans and leases to total assets | 71.4264% | 2,266 |
| Net loans and leases to deposits | 84.3657% | 2,352 |
| Net loans and leases to core deposits | 86.7606% | 2,740 |
| Total domestic deposits to total assets | 84.6628% | 3,041 |
| Equity capital to assets | 8.7641% | 4,774 |
| Core capital (leverage) ratio | 9.1515% | 4,501 |
| Tier 1 risk-based capital ratio | 10.6615% | 5,297 |
| Total risk-based capital ratio | 11.9204% | 5,188 |
| Memoranda: | ||
| Average total assets | $66,052,000 | 4,812 |
| Average earning assets | $58,278,000 | 4,867 |
| Average equity | $5,837,500 | 5,080 |
| Average total loans | $48,740,000 | 4,473 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3268% | 2,243 |
| Cost of funding earning assets | 0.5283% | 2,109 |
| Net interest margin | 3.7984% | 2,434 |
| Noninterest income to average assets | 0.3918% | 3,693 |
| Noninterest expense to average assets | 3.5079% | 1,018 |
| Loan and lease loss provision to assets | 0.6146% | 205 |
| Net operating income to assets | 0.8354% | 3,011 |
| Return on assets (ROA) | 0.8374% | 3,040 |
| Pretax return on assets | -0.2259% | 5,504 |
| Return on Equity (ROE) | 9.1875% | 2,219 |
| Retained earnings to average equity (ytd only) | 3.2873% | 3,336 |
| Net charge-offs to loans | -0.0320% | 5,076 |
| Credit loss provision to net charge-offs | -2,500.0000% | 5,181 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.0947% | 429 |
| Assets per employee ($millions) | 3.1262% | 5,104 |
| Cash dividends to net income (ytd only)* | 64.2202% | 1,546 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3034% | 310 |
| Loan loss allowance to noncurrent loans | 40.6877% | 4,675 |
| Noncurrent assets plus other real estate owned to assets | 4.2528% | 133 |
| Noncurrent loans to loans | 5.6612% | 103 |
| Net loans and leases to total assets | 73.3911% | 2,025 |
| Net loans and leases to deposits | 86.2827% | 2,223 |
| Net loans and leases to core deposits | 88.7493% | 2,665 |
| Total domestic deposits to total assets | 85.0589% | 2,820 |
| Equity capital to assets | 8.9123% | 4,805 |
| Core capital (leverage) ratio | 8.4366% | 5,191 |
| Tier 1 risk-based capital ratio | 10.5218% | 5,364 |
| Total risk-based capital ratio | 11.7983% | 5,259 |
| Memoranda: | ||
| Average total assets | $65,081,600 | 4,862 |
| Average earning assets | $59,998,400 | 4,857 |
| Average equity | $5,932,000 | 5,108 |
| Average total loans | $49,940,400 | 4,455 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1601% | 2,754 |
| Cost of funding earning assets | 0.5140% | 2,157 |
| Net interest margin | 3.6462% | 2,970 |
| Noninterest income to average assets | 0.3819% | 3,801 |
| Noninterest expense to average assets | 3.4965% | 1,001 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 2.0655% | 279 |
| Return on assets (ROA) | 2.0696% | 285 |
| Pretax return on assets | 0.2977% | 5,311 |
| Return on Equity (ROE) | 22.5792% | 118 |
| Retained earnings to average equity (ytd only) | 22.5792% | 37 |
| Net charge-offs to loans | -0.0027% | 4,353 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.2535% | 336 |
| Assets per employee ($millions) | 3.1076% | 5,166 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4379% | 1,746 |
| Loan loss allowance to noncurrent loans | 26.8429% | 4,987 |
| Noncurrent assets plus other real estate owned to assets | 4.1159% | 161 |
| Noncurrent loans to loans | 5.3567% | 137 |
| Net loans and leases to total assets | 75.7321% | 1,632 |
| Net loans and leases to deposits | 90.6959% | 1,728 |
| Net loans and leases to core deposits | 92.9020% | 2,359 |
| Total domestic deposits to total assets | 83.5011% | 3,287 |
| Equity capital to assets | 10.2698% | 3,619 |
| Core capital (leverage) ratio | 9.4253% | 4,258 |
| Tier 1 risk-based capital ratio | 11.9285% | 4,682 |
| Total risk-based capital ratio | 13.1943% | 4,542 |
| Memoranda: | ||
| Average total assets | $64,939,250 | 4,919 |
| Average earning assets | $60,701,500 | 4,895 |
| Average equity | $5,952,250 | 5,166 |
| Average total loans | $50,096,000 | 4,501 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1122% | 2,784 |
| Cost of funding earning assets | 0.5004% | 2,157 |
| Net interest margin | 3.6118% | 2,994 |
| Noninterest income to average assets | 0.3486% | 4,060 |
| Noninterest expense to average assets | 3.5568% | 926 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.1758% | 5,431 |
| Return on assets (ROA) | 0.1820% | 5,424 |
| Pretax return on assets | 0.1820% | 5,443 |
| Return on Equity (ROE) | 2.0693% | 5,334 |
| Retained earnings to average equity (ytd only) | 2.0693% | 4,426 |
| Net charge-offs to loans | -0.0040% | 4,285 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.2893% | 275 |
| Assets per employee ($millions) | 3.0808% | 5,201 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4069% | 1,924 |
| Loan loss allowance to noncurrent loans | 27.3832% | 5,015 |
| Noncurrent assets plus other real estate owned to assets | 4.0697% | 164 |
| Noncurrent loans to loans | 5.1377% | 142 |
| Net loans and leases to total assets | 78.0994% | 1,235 |
| Net loans and leases to deposits | 92.5320% | 1,427 |
| Net loans and leases to core deposits | 94.7904% | 2,086 |
| Total domestic deposits to total assets | 84.4027% | 3,051 |
| Equity capital to assets | 8.8999% | 4,986 |
| Core capital (leverage) ratio | 8.9176% | 4,818 |
| Tier 1 risk-based capital ratio | 11.5605% | 4,917 |
| Total risk-based capital ratio | 12.8218% | 4,802 |
| Memoranda: | ||
| Average total assets | $64,832,670 | 4,956 |
| Average earning assets | $60,746,000 | 4,931 |
| Average equity | $5,702,330 | 5,237 |
| Average total loans | $50,080,330 | 4,526 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1028% | 2,642 |
| Cost of funding earning assets | 0.4823% | 2,233 |
| Net interest margin | 3.6205% | 2,816 |
| Noninterest income to average assets | 0.3082% | 4,353 |
| Noninterest expense to average assets | 3.5316% | 1,001 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.1541% | 5,457 |
| Return on assets (ROA) | 0.1541% | 5,465 |
| Pretax return on assets | 0.1541% | 5,480 |
| Return on Equity (ROE) | 1.7623% | 5,373 |
| Retained earnings to average equity (ytd only) | 1.7623% | 4,409 |
| Net charge-offs to loans | -0.0162% | 4,627 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.8194% | 324 |
| Assets per employee ($millions) | 3.1031% | 5,267 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4267% | 1,962 |
| Loan loss allowance to noncurrent loans | 30.7365% | 5,028 |
| Noncurrent assets plus other real estate owned to assets | 3.6047% | 228 |
| Noncurrent loans to loans | 4.6418% | 185 |
| Net loans and leases to total assets | 76.5488% | 1,323 |
| Net loans and leases to deposits | 89.4185% | 1,612 |
| Net loans and leases to core deposits | 92.8401% | 2,086 |
| Total domestic deposits to total assets | 85.6073% | 2,837 |
| Equity capital to assets | 8.7378% | 5,046 |
| Core capital (leverage) ratio | 8.8905% | 4,853 |
| Tier 1 risk-based capital ratio | 11.3355% | 5,123 |
| Total risk-based capital ratio | 12.5970% | 5,022 |
| Memoranda: | ||
| Average total assets | $64,900,500 | 5,008 |
| Average earning assets | $60,543,500 | 4,986 |
| Average equity | $5,674,500 | 5,290 |
| Average total loans | $49,496,000 | 4,579 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2337% | 2,374 |
| Cost of funding earning assets | 0.4626% | 2,423 |
| Net interest margin | 3.7711% | 2,427 |
| Noninterest income to average assets | 0.2521% | 4,914 |
| Noninterest expense to average assets | 3.3745% | 1,416 |
| Loan and lease loss provision to assets | 0.0672% | 3,023 |
| Net operating income to assets | 0.3468% | 5,091 |
| Return on assets (ROA) | 0.4522% | 4,871 |
| Pretax return on assets | 0.4522% | 5,115 |
| Return on Equity (ROE) | 5.1539% | 4,346 |
| Retained earnings to average equity (ytd only) | 1.9327% | 4,439 |
| Net charge-offs to loans | 0.0203% | 3,646 |
| Credit loss provision to net charge-offs | 440.0000% | 728 |
| Earnings coverage of net charge-offs (x) | 27.1000% | 1,526 |
| Efficiency ratio | 89.0726% | 611 |
| Assets per employee ($millions) | 3.0779% | 5,287 |
| Cash dividends to net income (ytd only)* | 62.5000% | 1,650 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4880% | 1,718 |
| Loan loss allowance to noncurrent loans | 26.8958% | 5,138 |
| Noncurrent assets plus other real estate owned to assets | 4.1417% | 181 |
| Noncurrent loans to loans | 5.5325% | 127 |
| Net loans and leases to total assets | 73.7468% | 1,887 |
| Net loans and leases to deposits | 86.4033% | 2,115 |
| Net loans and leases to core deposits | 89.3276% | 2,568 |
| Total domestic deposits to total assets | 85.3518% | 2,900 |
| Equity capital to assets | 8.7490% | 5,067 |
| Core capital (leverage) ratio | 9.1146% | 4,598 |
| Tier 1 risk-based capital ratio | 11.8924% | 4,800 |
| Total risk-based capital ratio | 13.1556% | 4,679 |
| Memoranda: | ||
| Average total assets | $65,462,200 | 5,020 |
| Average earning assets | $61,388,000 | 4,988 |
| Average equity | $5,743,200 | 5,326 |
| Average total loans | $49,217,800 | 4,595 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2801% | 2,225 |
| Cost of funding earning assets | 0.4643% | 2,430 |
| Net interest margin | 3.8158% | 2,277 |
| Noninterest income to average assets | 0.2335% | 5,073 |
| Noninterest expense to average assets | 3.3602% | 1,431 |
| Loan and lease loss provision to assets | 0.0731% | 2,752 |
| Net operating income to assets | 0.3878% | 5,060 |
| Return on assets (ROA) | 0.5279% | 4,686 |
| Pretax return on assets | 0.5279% | 5,064 |
| Return on Equity (ROE) | 6.0129% | 4,055 |
| Retained earnings to average equity (ytd only) | 4.1627% | 3,357 |
| Net charge-offs to loans | 0.0270% | 3,126 |
| Credit loss provision to net charge-offs | 360.0000% | 910 |
| Earnings coverage of net charge-offs (x) | 22.7052% | 1,742 |
| Efficiency ratio | 87.9384% | 680 |
| Assets per employee ($millions) | 2.9007% | 5,467 |
| Cash dividends to net income (ytd only)* | 30.7679% | 2,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4942% | 1,783 |
| Loan loss allowance to noncurrent loans | 26.3899% | 5,242 |
| Noncurrent assets plus other real estate owned to assets | 4.2278% | 188 |
| Noncurrent loans to loans | 5.6619% | 130 |
| Net loans and leases to total assets | 73.5564% | 1,943 |
| Net loans and leases to deposits | 86.9662% | 2,144 |
| Net loans and leases to core deposits | 89.9682% | 2,582 |
| Total domestic deposits to total assets | 84.5804% | 2,995 |
| Equity capital to assets | 9.1295% | 5,043 |
| Core capital (leverage) ratio | 8.8414% | 5,010 |
| Tier 1 risk-based capital ratio | 11.8991% | 4,853 |
| Total risk-based capital ratio | 13.1613% | 4,736 |
| Memoranda: | ||
| Average total assets | $65,668,750 | 5,060 |
| Average earning assets | $61,741,750 | 5,026 |
| Average equity | $5,765,250 | 5,377 |
| Average total loans | $49,425,500 | 4,635 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3128% | 2,117 |
| Cost of funding earning assets | 0.3947% | 3,098 |
| Net interest margin | 3.9181% | 1,921 |
| Noninterest income to average assets | 0.2293% | 5,112 |
| Noninterest expense to average assets | 3.3732% | 1,426 |
| Loan and lease loss provision to assets | 0.0724% | 2,686 |
| Net operating income to assets | 0.4677% | 4,810 |
| Return on assets (ROA) | 0.6759% | 4,062 |
| Pretax return on assets | 0.6759% | 4,693 |
| Return on Equity (ROE) | 7.7981% | 3,089 |
| Retained earnings to average equity (ytd only) | 6.4056% | 1,914 |
| Net charge-offs to loans | 0.0400% | 2,658 |
| Credit loss provision to net charge-offs | 240.0000% | 1,136 |
| Earnings coverage of net charge-offs (x) | 17.9000% | 1,856 |
| Efficiency ratio | 86.1989% | 861 |
| Assets per employee ($millions) | 3.0893% | 5,334 |
| Cash dividends to net income (ytd only)* | 17.8571% | 3,252 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4245% | 2,192 |
| Loan loss allowance to noncurrent loans | 25.8780% | 5,340 |
| Noncurrent assets plus other real estate owned to assets | 4.3021% | 190 |
| Noncurrent loans to loans | 5.5048% | 147 |
| Net loans and leases to total assets | 74.6651% | 1,705 |
| Net loans and leases to deposits | 87.5662% | 2,058 |
| Net loans and leases to core deposits | 91.0918% | 2,428 |
| Total domestic deposits to total assets | 85.2671% | 2,749 |
| Equity capital to assets | 9.0220% | 5,219 |
| Core capital (leverage) ratio | 8.5866% | 5,279 |
| Tier 1 risk-based capital ratio | 11.6071% | 5,088 |
| Total risk-based capital ratio | 12.8703% | 4,981 |
| Memoranda: | ||
| Average total assets | $66,286,670 | 5,093 |
| Average earning assets | $62,325,670 | 5,064 |
| Average equity | $5,745,000 | 5,437 |
| Average total loans | $50,016,670 | 4,644 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4747% | 1,583 |
| Cost of funding earning assets | 0.3935% | 3,153 |
| Net interest margin | 4.0812% | 1,390 |
| Noninterest income to average assets | 0.1732% | 5,457 |
| Noninterest expense to average assets | 3.3437% | 1,499 |
| Loan and lease loss provision to assets | 0.0716% | 2,523 |
| Net operating income to assets | 0.5971% | 4,188 |
| Return on assets (ROA) | 0.8299% | 3,225 |
| Pretax return on assets | 0.8299% | 4,102 |
| Return on Equity (ROE) | 9.7698% | 2,085 |
| Retained earnings to average equity (ytd only) | 9.7698% | 904 |
| Net charge-offs to loans | 0.0714% | 1,766 |
| Credit loss provision to net charge-offs | 133.3333% | 1,346 |
| Earnings coverage of net charge-offs (x) | 12.4444% | 1,793 |
| Efficiency ratio | 83.3333% | 1,219 |
| Assets per employee ($millions) | 3.1971% | 5,287 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3595% | 2,613 |
| Loan loss allowance to noncurrent loans | 295.7082% | 1,633 |
| Noncurrent assets plus other real estate owned to assets | 0.5630% | 3,375 |
| Noncurrent loans to loans | 0.4597% | 3,796 |
| Net loans and leases to total assets | 74.4578% | 1,655 |
| Net loans and leases to deposits | 86.7719% | 1,972 |
| Net loans and leases to core deposits | 90.1128% | 2,362 |
| Total domestic deposits to total assets | 85.8088% | 2,765 |
| Equity capital to assets | 8.6133% | 5,480 |
| Core capital (leverage) ratio | 8.3500% | 5,517 |
| Tier 1 risk-based capital ratio | 11.4292% | 5,268 |
| Total risk-based capital ratio | 12.6920% | 5,165 |
| Memoranda: | ||
| Average total assets | $66,992,500 | 5,130 |
| Average earning assets | $63,020,500 | 5,097 |
| Average equity | $5,691,000 | 5,478 |
| Average total loans | $50,455,500 | 4,660 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4907% | 1,627 |
| Cost of funding earning assets | 0.4002% | 3,162 |
| Net interest margin | 4.0905% | 1,433 |
| Noninterest income to average assets | 0.4926% | 3,377 |
| Noninterest expense to average assets | 3.4704% | 1,349 |
| Loan and lease loss provision to assets | 0.3105% | 540 |
| Net operating income to assets | 0.4344% | 4,940 |
| Return on assets (ROA) | 0.4508% | 4,965 |
| Pretax return on assets | 0.4508% | 5,225 |
| Return on Equity (ROE) | 5.4754% | 4,297 |
| Retained earnings to average equity (ytd only) | 3.5173% | 3,559 |
| Net charge-offs to loans | 0.0695% | 2,851 |
| Credit loss provision to net charge-offs | 630.3030% | 534 |
| Earnings coverage of net charge-offs (x) | 15.1212% | 2,227 |
| Efficiency ratio | 82.3300% | 1,361 |
| Assets per employee ($millions) | 3.1831% | 5,307 |
| Cash dividends to net income (ytd only)* | 35.7616% | 3,066 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3657% | 2,581 |
| Loan loss allowance to noncurrent loans | 236.5517% | 2,010 |
| Noncurrent assets plus other real estate owned to assets | 0.5625% | 3,402 |
| Noncurrent loans to loans | 0.5773% | 3,438 |
| Net loans and leases to total assets | 74.1192% | 1,707 |
| Net loans and leases to deposits | 86.0814% | 2,125 |
| Net loans and leases to core deposits | 89.3927% | 2,460 |
| Total domestic deposits to total assets | 86.1037% | 2,590 |
| Equity capital to assets | 8.3761% | 5,650 |
| Core capital (leverage) ratio | 7.9638% | 5,856 |
| Tier 1 risk-based capital ratio | 11.2680% | 5,391 |
| Total risk-based capital ratio | 12.5302% | 5,280 |
| Memoranda: | ||
| Average total assets | $66,994,600 | 5,158 |
| Average earning assets | $60,969,800 | 5,163 |
| Average equity | $5,515,600 | 5,536 |
| Average total loans | $47,472,200 | 4,742 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5117% | 1,562 |
| Cost of funding earning assets | 0.4009% | 3,214 |
| Net interest margin | 4.1108% | 1,384 |
| Noninterest income to average assets | 0.5944% | 2,774 |
| Noninterest expense to average assets | 3.4593% | 1,361 |
| Loan and lease loss provision to assets | 0.3897% | 316 |
| Net operating income to assets | 0.4553% | 4,953 |
| Return on assets (ROA) | 0.4771% | 4,969 |
| Pretax return on assets | 0.4771% | 5,276 |
| Return on Equity (ROE) | 5.7898% | 4,251 |
| Retained earnings to average equity (ytd only) | 4.3906% | 3,350 |
| Net charge-offs to loans | 0.0941% | 2,223 |
| Credit loss provision to net charge-offs | 593.9394% | 572 |
| Earnings coverage of net charge-offs (x) | 12.8784% | 2,370 |
| Efficiency ratio | 80.3695% | 1,608 |
| Assets per employee ($millions) | 3.0905% | 5,439 |
| Cash dividends to net income (ytd only)* | 24.1664% | 3,064 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3157% | 3,005 |
| Loan loss allowance to noncurrent loans | 164.6154% | 2,631 |
| Noncurrent assets plus other real estate owned to assets | 0.7884% | 2,915 |
| Noncurrent loans to loans | 0.7992% | 2,964 |
| Net loans and leases to total assets | 70.8251% | 2,262 |
| Net loans and leases to deposits | 82.2541% | 2,615 |
| Net loans and leases to core deposits | 85.7519% | 2,879 |
| Total domestic deposits to total assets | 86.1053% | 2,475 |
| Equity capital to assets | 8.3159% | 5,823 |
| Core capital (leverage) ratio | 8.1344% | 5,821 |
| Tier 1 risk-based capital ratio | 10.4604% | 5,897 |
| Total risk-based capital ratio | 11.7095% | 5,833 |
| Memoranda: | ||
| Average total assets | $67,064,000 | 5,220 |
| Average earning assets | $60,522,000 | 5,232 |
| Average equity | $5,526,750 | 5,608 |
| Average total loans | $46,782,500 | 4,815 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5077% | 1,507 |
| Cost of funding earning assets | 0.3927% | 3,344 |
| Net interest margin | 4.1150% | 1,315 |
| Noninterest income to average assets | 0.2936% | 4,862 |
| Noninterest expense to average assets | 3.4634% | 1,358 |
| Loan and lease loss provision to assets | 0.1318% | 1,664 |
| Net operating income to assets | 0.3715% | 5,233 |
| Return on assets (ROA) | 0.4045% | 5,229 |
| Pretax return on assets | 0.4045% | 5,457 |
| Return on Equity (ROE) | 4.9231% | 4,654 |
| Retained earnings to average equity (ytd only) | 3.5374% | 3,775 |
| Net charge-offs to loans | 0.1475% | 1,605 |
| Credit loss provision to net charge-offs | 129.4118% | 1,703 |
| Earnings coverage of net charge-offs (x) | 4.9412% | 2,977 |
| Efficiency ratio | 87.3112% | 959 |
| Assets per employee ($millions) | 3.0101% | 5,588 |
| Cash dividends to net income (ytd only)* | 28.1481% | 2,881 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0231% | 4,752 |
| Loan loss allowance to noncurrent loans | 169.2042% | 2,557 |
| Noncurrent assets plus other real estate owned to assets | 0.6614% | 3,417 |
| Noncurrent loans to loans | 0.6047% | 3,655 |
| Net loans and leases to total assets | 71.4355% | 2,078 |
| Net loans and leases to deposits | 85.5366% | 2,102 |
| Net loans and leases to core deposits | 89.3865% | 2,404 |
| Total domestic deposits to total assets | 83.5145% | 3,753 |
| Equity capital to assets | 8.3567% | 5,793 |
| Core capital (leverage) ratio | 7.6239% | 6,061 |
| Tier 1 risk-based capital ratio | 9.1961% | 6,241 |
| Total risk-based capital ratio | 10.1166% | 6,258 |
| Memoranda: | ||
| Average total assets | $66,755,330 | 5,285 |
| Average earning assets | $59,587,000 | 5,315 |
| Average equity | $5,484,330 | 5,669 |
| Average total loans | $46,111,330 | 4,886 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4102% | 1,730 |
| Cost of funding earning assets | 0.3929% | 3,378 |
| Net interest margin | 4.0172% | 1,501 |
| Noninterest income to average assets | 0.1731% | 5,676 |
| Noninterest expense to average assets | 3.3064% | 1,708 |
| Loan and lease loss provision to assets | 0.1910% | 982 |
| Net operating income to assets | 0.2149% | 5,647 |
| Return on assets (ROA) | 0.2149% | 5,737 |
| Pretax return on assets | 0.2149% | 5,807 |
| Return on Equity (ROE) | 2.6376% | 5,496 |
| Retained earnings to average equity (ytd only) | 1.3188% | 4,955 |
| Net charge-offs to loans | 0.4506% | 550 |
| Credit loss provision to net charge-offs | 62.7451% | 1,971 |
| Earnings coverage of net charge-offs (x) | 1.3333% | 2,933 |
| Efficiency ratio | 89.0675% | 930 |
| Assets per employee ($millions) | 3.1085% | 5,535 |
| Cash dividends to net income (ytd only)* | 50.0000% | 1,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0091% | 4,965 |
| Loan loss allowance to noncurrent loans | 158.0756% | 2,676 |
| Noncurrent assets plus other real estate owned to assets | 0.6434% | 3,574 |
| Noncurrent loans to loans | 0.6384% | 3,674 |
| Net loans and leases to total assets | 65.9823% | 2,773 |
| Net loans and leases to deposits | 81.2328% | 2,421 |
| Net loans and leases to core deposits | 85.2683% | 2,622 |
| Total domestic deposits to total assets | 81.2262% | 4,758 |
| Equity capital to assets | 8.0365% | 6,016 |
| Core capital (leverage) ratio | 8.4420% | 5,583 |
| Tier 1 risk-based capital ratio | 10.2560% | 6,097 |
| Total risk-based capital ratio | 11.1167% | 6,161 |
| Memoranda: | ||
| Average total assets | $67,022,000 | 5,328 |
| Average earning assets | $59,045,500 | 5,386 |
| Average equity | $5,459,500 | 5,726 |
| Average total loans | $45,269,500 | 4,944 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5048% | 1,842 |
| Cost of funding earning assets | 0.4092% | 3,595 |
| Net interest margin | 4.0955% | 1,591 |
| Noninterest income to average assets | 0.1697% | 5,840 |
| Noninterest expense to average assets | 3.6409% | 1,230 |
| Loan and lease loss provision to assets | 0.1481% | 1,775 |
| Net operating income to assets | 0.1018% | 5,953 |
| Return on assets (ROA) | 0.6125% | 4,416 |
| Pretax return on assets | 0.6125% | 4,899 |
| Return on Equity (ROE) | 7.5680% | 3,338 |
| Retained earnings to average equity (ytd only) | 0.2097% | 5,685 |
| Net charge-offs to loans | 0.5360% | 761 |
| Credit loss provision to net charge-offs | 40.0000% | 3,672 |
| Earnings coverage of net charge-offs (x) | 0.6750% | 4,591 |
| Efficiency ratio | 93.5765% | 619 |
| Assets per employee ($millions) | 2.8546% | 5,884 |
| Cash dividends to net income (ytd only)* | 97.2292% | 413 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0655% | 4,728 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5925% | 3,814 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 67.7410% | 2,600 |
| Net loans and leases to deposits | 77.9761% | 2,978 |
| Net loans and leases to core deposits | 81.3625% | 3,162 |
| Total domestic deposits to total assets | 86.8740% | 2,341 |
| Equity capital to assets | 8.2597% | 5,923 |
| Core capital (leverage) ratio | 8.4417% | 5,622 |
| Tier 1 risk-based capital ratio | 11.6540% | 5,573 |
| Total risk-based capital ratio | 12.6728% | 5,624 |
| Memoranda: | ||
| Average total assets | $64,818,600 | 5,424 |
| Average earning assets | $58,893,200 | 5,432 |
| Average equity | $5,245,800 | 5,804 |
| Average total loans | $44,778,600 | 5,005 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5025% | 1,861 |
| Cost of funding earning assets | 0.4101% | 3,681 |
| Net interest margin | 4.0924% | 1,599 |
| Noninterest income to average assets | 0.1486% | 6,024 |
| Noninterest expense to average assets | 3.5866% | 1,317 |
| Loan and lease loss provision to assets | 0.0165% | 4,083 |
| Net operating income to assets | 0.2724% | 5,672 |
| Return on assets (ROA) | 0.9348% | 2,842 |
| Pretax return on assets | 0.9348% | 3,840 |
| Return on Equity (ROE) | 11.6117% | 1,590 |
| Retained earnings to average equity (ytd only) | 1.7174% | 5,191 |
| Net charge-offs to loans | 0.2951% | 1,338 |
| Credit loss provision to net charge-offs | 8.0808% | 3,730 |
| Earnings coverage of net charge-offs (x) | 1.4141% | 4,160 |
| Efficiency ratio | 92.5453% | 669 |
| Assets per employee ($millions) | 2.9288% | 5,810 |
| Cash dividends to net income (ytd only)* | 85.2098% | 625 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1578% | 4,459 |
| Loan loss allowance to noncurrent loans | 116.1572% | 3,308 |
| Noncurrent assets plus other real estate owned to assets | 0.8086% | 3,401 |
| Noncurrent loans to loans | 0.9967% | 3,079 |
| Net loans and leases to total assets | 70.4892% | 2,114 |
| Net loans and leases to deposits | 78.5035% | 2,893 |
| Net loans and leases to core deposits | 82.5080% | 3,055 |
| Total domestic deposits to total assets | 89.7911% | 827 |
| Equity capital to assets | 8.2208% | 5,999 |
| Core capital (leverage) ratio | 8.3521% | 5,800 |
| Tier 1 risk-based capital ratio | 11.3170% | 5,873 |
| Total risk-based capital ratio | 12.4403% | 5,863 |
| Memoranda: | ||
| Average total assets | $64,609,250 | 5,493 |
| Average earning assets | $58,839,500 | 5,489 |
| Average equity | $5,201,500 | 5,874 |
| Average total loans | $44,734,500 | 5,060 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3562% | 2,359 |
| Cost of funding earning assets | 0.4080% | 3,793 |
| Net interest margin | 3.9482% | 1,980 |
| Noninterest income to average assets | 0.1113% | 6,235 |
| Noninterest expense to average assets | 3.6154% | 1,269 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.1175% | 6,010 |
| Return on assets (ROA) | 1.1103% | 1,972 |
| Pretax return on assets | 1.1103% | 3,062 |
| Return on Equity (ROE) | 13.8887% | 979 |
| Retained earnings to average equity (ytd only) | 0.8511% | 5,405 |
| Net charge-offs to loans | 0.2707% | 1,464 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 0.6333% | 4,008 |
| Efficiency ratio | 96.8517% | 517 |
| Assets per employee ($millions) | 2.8101% | 6,015 |
| Cash dividends to net income (ytd only)* | 93.8719% | 623 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2179% | 4,344 |
| Loan loss allowance to noncurrent loans | 194.8097% | 2,185 |
| Noncurrent assets plus other real estate owned to assets | 0.5446% | 4,356 |
| Noncurrent loans to loans | 0.6252% | 4,150 |
| Net loans and leases to total assets | 70.6539% | 1,973 |
| Net loans and leases to deposits | 78.7260% | 2,706 |
| Net loans and leases to core deposits | 81.3398% | 3,059 |
| Total domestic deposits to total assets | 89.7466% | 936 |
| Equity capital to assets | 8.1074% | 6,090 |
| Core capital (leverage) ratio | 8.3470% | 5,805 |
| Tier 1 risk-based capital ratio | 11.2436% | 5,937 |
| Total risk-based capital ratio | 12.4317% | 5,910 |
| Memoranda: | ||
| Average total assets | $64,667,670 | 5,539 |
| Average earning assets | $59,318,000 | 5,524 |
| Average equity | $5,169,670 | 5,917 |
| Average total loans | $44,329,000 | 5,111 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2954% | 2,541 |
| Cost of funding earning assets | 0.3991% | 3,976 |
| Net interest margin | 3.8963% | 2,099 |
| Noninterest income to average assets | 0.2350% | 5,483 |
| Noninterest expense to average assets | 3.6237% | 1,266 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.1731% | 5,873 |
| Return on assets (ROA) | 0.2474% | 5,717 |
| Pretax return on assets | 0.2474% | 5,835 |
| Return on Equity (ROE) | 3.1162% | 5,422 |
| Retained earnings to average equity (ytd only) | 0.6232% | 5,340 |
| Net charge-offs to loans | 0.0092% | 3,439 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 28.0000% | 1,093 |
| Efficiency ratio | 95.4397% | 677 |
| Assets per employee ($millions) | 2.9020% | 5,976 |
| Cash dividends to net income (ytd only)* | 80.0000% | 963 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4132% | 3,536 |
| Loan loss allowance to noncurrent loans | 198.0892% | 2,104 |
| Noncurrent assets plus other real estate owned to assets | 0.8254% | 3,666 |
| Noncurrent loans to loans | 0.7134% | 4,087 |
| Net loans and leases to total assets | 67.9657% | 2,225 |
| Net loans and leases to deposits | 75.5208% | 2,869 |
| Net loans and leases to core deposits | 77.6994% | 3,232 |
| Total domestic deposits to total assets | 89.9959% | 1,079 |
| Equity capital to assets | 8.0979% | 5,981 |
| Core capital (leverage) ratio | 8.3969% | 5,747 |
| Tier 1 risk-based capital ratio | 11.3984% | 5,966 |
| Total risk-based capital ratio | 12.6491% | 5,920 |
| Memoranda: | ||
| Average total assets | $64,685,500 | 5,603 |
| Average earning assets | $59,133,500 | 5,584 |
| Average equity | $5,134,500 | 5,963 |
| Average total loans | $43,379,500 | 5,194 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0972% | 3,750 |
| Cost of funding earning assets | 0.5241% | 3,359 |
| Net interest margin | 3.5731% | 3,586 |
| Noninterest income to average assets | 0.3632% | 4,709 |
| Noninterest expense to average assets | 3.6034% | 1,438 |
| Loan and lease loss provision to assets | 0.0090% | 4,940 |
| Net operating income to assets | 0.0181% | 6,184 |
| Return on assets (ROA) | 0.0814% | 6,130 |
| Pretax return on assets | 0.0814% | 6,111 |
| Return on Equity (ROE) | 1.0386% | 6,072 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,851 |
| Net charge-offs to loans | 0.0121% | 5,210 |
| Credit loss provision to net charge-offs | 120.0000% | 1,989 |
| Earnings coverage of net charge-offs (x) | 3.6000% | 3,812 |
| Efficiency ratio | 99.2528% | 502 |
| Assets per employee ($millions) | 2.8490% | 6,041 |
| Cash dividends to net income (ytd only)* | 100.0000% | 395 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4575% | 3,387 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3251% | 5,286 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 64.2819% | 2,997 |
| Net loans and leases to deposits | 71.1580% | 3,636 |
| Net loans and leases to core deposits | 73.1475% | 3,930 |
| Total domestic deposits to total assets | 90.3368% | 907 |
| Equity capital to assets | 7.7815% | 6,144 |
| Core capital (leverage) ratio | 7.9600% | 6,165 |
| Tier 1 risk-based capital ratio | 11.4624% | 5,923 |
| Total risk-based capital ratio | 12.7137% | 5,864 |
| Memoranda: | ||
| Average total assets | $66,353,200 | 5,582 |
| Average earning assets | $60,675,800 | 5,570 |
| Average equity | $5,199,400 | 6,023 |
| Average total loans | $41,329,600 | 5,293 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0083% | 4,097 |
| Cost of funding earning assets | 0.5520% | 3,242 |
| Net interest margin | 3.4564% | 4,069 |
| Noninterest income to average assets | 0.3405% | 4,969 |
| Noninterest expense to average assets | 3.5396% | 1,525 |
| Loan and lease loss provision to assets | 0.0120% | 4,758 |
| Net operating income to assets | -0.0501% | 6,338 |
| Return on assets (ROA) | 0.0120% | 6,331 |
| Pretax return on assets | 0.0120% | 6,311 |
| Return on Equity (ROE) | 0.1531% | 6,328 |
| Retained earnings to average equity (ytd only) | -0.8422% | 6,110 |
| Net charge-offs to loans | 0.0195% | 4,745 |
| Credit loss provision to net charge-offs | 100.0000% | 2,333 |
| Earnings coverage of net charge-offs (x) | -3.1663% | 5,108 |
| Efficiency ratio | 101.0870% | 428 |
| Assets per employee ($millions) | 2.9402% | 5,938 |
| Cash dividends to net income (ytd only)* | 650.0000% | 6 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4966% | 3,470 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3165% | 5,461 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 60.5397% | 3,604 |
| Net loans and leases to deposits | 66.4934% | 4,242 |
| Net loans and leases to core deposits | 67.9423% | 4,534 |
| Total domestic deposits to total assets | 91.0462% | 513 |
| Equity capital to assets | 7.5638% | 6,372 |
| Core capital (leverage) ratio | 8.0145% | 6,210 |
| Tier 1 risk-based capital ratio | 11.4415% | 6,085 |
| Total risk-based capital ratio | 12.6937% | 6,045 |
| Memoranda: | ||
| Average total assets | $66,559,750 | 5,634 |
| Average earning assets | $60,872,000 | 5,631 |
| Average equity | $5,224,500 | 6,079 |
| Average total loans | $40,975,750 | 5,356 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0826% | 3,806 |
| Cost of funding earning assets | 0.5851% | 3,085 |
| Net interest margin | 3.4975% | 3,789 |
| Noninterest income to average assets | 0.4290% | 4,310 |
| Noninterest expense to average assets | 3.4771% | 1,661 |
| Loan and lease loss provision to assets | 0.0181% | 4,531 |
| Net operating income to assets | 0.1299% | 6,064 |
| Return on assets (ROA) | 0.1722% | 6,085 |
| Pretax return on assets | 0.1722% | 6,120 |
| Return on Equity (ROE) | 2.1669% | 5,898 |
| Retained earnings to average equity (ytd only) | 0.6843% | 5,627 |
| Net charge-offs to loans | 0.0392% | 4,127 |
| Credit loss provision to net charge-offs | 75.0000% | 2,718 |
| Earnings coverage of net charge-offs (x) | 6.1250% | 2,772 |
| Efficiency ratio | 95.9167% | 661 |
| Assets per employee ($millions) | 2.9684% | 5,902 |
| Cash dividends to net income (ytd only)* | 68.4211% | 1,252 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5006% | 3,587 |
| Loan loss allowance to noncurrent loans | 197.4522% | 2,009 |
| Noncurrent assets plus other real estate owned to assets | 0.7182% | 4,421 |
| Noncurrent loans to loans | 0.7600% | 4,400 |
| Net loans and leases to total assets | 62.3193% | 3,235 |
| Net loans and leases to deposits | 69.0986% | 3,846 |
| Net loans and leases to core deposits | 71.7254% | 4,079 |
| Total domestic deposits to total assets | 90.1890% | 921 |
| Equity capital to assets | 7.9046% | 6,266 |
| Core capital (leverage) ratio | 8.1607% | 6,052 |
| Tier 1 risk-based capital ratio | 11.7820% | 5,928 |
| Total risk-based capital ratio | 13.0326% | 5,875 |
| Memoranda: | ||
| Average total assets | $66,204,670 | 5,684 |
| Average earning assets | $60,500,330 | 5,675 |
| Average equity | $5,261,000 | 6,108 |
| Average total loans | $40,780,330 | 5,390 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0252% | 4,013 |
| Cost of funding earning assets | 0.5910% | 3,192 |
| Net interest margin | 3.4342% | 3,985 |
| Noninterest income to average assets | 0.4861% | 3,874 |
| Noninterest expense to average assets | 3.4386% | 1,742 |
| Loan and lease loss provision to assets | 0.0360% | 3,991 |
| Net operating income to assets | 0.1500% | 6,041 |
| Return on assets (ROA) | 0.1500% | 6,135 |
| Pretax return on assets | 0.1500% | 6,172 |
| Return on Equity (ROE) | 1.8831% | 5,975 |
| Retained earnings to average equity (ytd only) | 1.8831% | 5,053 |
| Net charge-offs to loans | -0.0691% | 6,271 |
| Credit loss provision to net charge-offs | -85.7143% | 5,125 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.8675% | 781 |
| Assets per employee ($millions) | 3.0268% | 5,937 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6122% | 3,347 |
| Loan loss allowance to noncurrent loans | 265.6904% | 1,481 |
| Noncurrent assets plus other real estate owned to assets | 0.5917% | 4,910 |
| Noncurrent loans to loans | 0.6068% | 4,926 |
| Net loans and leases to total assets | 58.1943% | 3,762 |
| Net loans and leases to deposits | 64.5968% | 4,245 |
| Net loans and leases to core deposits | 67.5929% | 4,348 |
| Total domestic deposits to total assets | 90.0885% | 990 |
| Equity capital to assets | 7.9998% | 6,377 |
| Core capital (leverage) ratio | 8.2460% | 5,884 |
| Tier 1 risk-based capital ratio | 12.0364% | 5,895 |
| Total risk-based capital ratio | 13.2877% | 5,851 |
| Memoranda: | ||
| Average total assets | $66,655,000 | 5,718 |
| Average earning assets | $60,916,000 | 5,712 |
| Average equity | $5,310,500 | 6,158 |
| Average total loans | $40,512,000 | 5,440 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8133% | 2,142 |
| Cost of funding earning assets | 0.7611% | 3,006 |
| Net interest margin | 4.0522% | 2,188 |
| Noninterest income to average assets | 0.3766% | 4,778 |
| Noninterest expense to average assets | 3.7999% | 1,254 |
| Loan and lease loss provision to assets | 0.0562% | 5,083 |
| Net operating income to assets | 0.0891% | 6,026 |
| Return on assets (ROA) | 0.2391% | 5,865 |
| Pretax return on assets | 0.2391% | 5,930 |
| Return on Equity (ROE) | 2.8909% | 5,590 |
| Retained earnings to average equity (ytd only) | 0.9070% | 5,418 |
| Net charge-offs to loans | 0.0075% | 5,844 |
| Credit loss provision to net charge-offs | 1,200.0000% | 207 |
| Earnings coverage of net charge-offs (x) | 31.0000% | 983 |
| Efficiency ratio | 96.3168% | 696 |
| Assets per employee ($millions) | 3.0328% | 5,962 |
| Cash dividends to net income (ytd only)* | 68.6275% | 1,423 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4938% | 3,770 |
| Loan loss allowance to noncurrent loans | 259.1667% | 1,478 |
| Noncurrent assets plus other real estate owned to assets | 0.5920% | 4,998 |
| Noncurrent loans to loans | 0.5764% | 5,085 |
| Net loans and leases to total assets | 61.4739% | 3,341 |
| Net loans and leases to deposits | 69.0528% | 3,828 |
| Net loans and leases to core deposits | 72.2864% | 4,006 |
| Total domestic deposits to total assets | 89.0244% | 1,551 |
| Equity capital to assets | 7.9345% | 6,439 |
| Core capital (leverage) ratio | 8.2034% | 5,993 |
| Tier 1 risk-based capital ratio | 11.6435% | 6,007 |
| Total risk-based capital ratio | 12.8945% | 5,966 |
| Memoranda: | ||
| Average total assets | $64,001,000 | 5,816 |
| Average earning assets | $56,364,800 | 5,855 |
| Average equity | $5,292,400 | 6,211 |
| Average total loans | $40,058,200 | 5,502 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8257% | 2,293 |
| Cost of funding earning assets | 0.7910% | 3,019 |
| Net interest margin | 4.0347% | 2,362 |
| Noninterest income to average assets | 0.3790% | 4,790 |
| Noninterest expense to average assets | 3.7354% | 1,315 |
| Loan and lease loss provision to assets | 0.0569% | 5,024 |
| Net operating income to assets | 0.0990% | 6,134 |
| Return on assets (ROA) | 0.2400% | 6,000 |
| Pretax return on assets | 0.2400% | 6,067 |
| Return on Equity (ROE) | 2.8723% | 5,717 |
| Retained earnings to average equity (ytd only) | 2.2423% | 5,218 |
| Net charge-offs to loans | -0.0269% | 6,558 |
| Credit loss provision to net charge-offs | -337.5000% | 6,390 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.9957% | 677 |
| Assets per employee ($millions) | 2.8222% | 6,330 |
| Cash dividends to net income (ytd only)* | 21.9276% | 2,970 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4679% | 4,076 |
| Loan loss allowance to noncurrent loans | 3,900.0000% | 160 |
| Noncurrent assets plus other real estate owned to assets | 0.4268% | 5,615 |
| Noncurrent loans to loans | 0.0376% | 6,526 |
| Net loans and leases to total assets | 67.4596% | 2,375 |
| Net loans and leases to deposits | 75.1934% | 3,112 |
| Net loans and leases to core deposits | 78.2181% | 3,420 |
| Total domestic deposits to total assets | 89.7148% | 994 |
| Equity capital to assets | 8.6908% | 6,113 |
| Core capital (leverage) ratio | 8.5792% | 5,651 |
| Tier 1 risk-based capital ratio | 11.8533% | 6,022 |
| Total risk-based capital ratio | 13.1040% | 6,004 |
| Memoranda: | ||
| Average total assets | $63,321,000 | 5,901 |
| Average earning assets | $55,120,000 | 5,960 |
| Average equity | $5,292,000 | 6,278 |
| Average total loans | $39,663,250 | 5,591 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8442% | 2,326 |
| Cost of funding earning assets | 0.8122% | 3,096 |
| Net interest margin | 4.0320% | 2,375 |
| Noninterest income to average assets | 0.3640% | 4,922 |
| Noninterest expense to average assets | 3.7532% | 1,291 |
| Loan and lease loss provision to assets | 0.0565% | 4,953 |
| Net operating income to assets | 0.0282% | 6,286 |
| Return on assets (ROA) | 0.2385% | 5,989 |
| Pretax return on assets | 0.2385% | 6,080 |
| Return on Equity (ROE) | 2.8912% | 5,732 |
| Retained earnings to average equity (ytd only) | 1.9401% | 5,226 |
| Net charge-offs to loans | -0.0723% | 6,775 |
| Credit loss provision to net charge-offs | -128.5714% | 6,082 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.7923% | 631 |
| Assets per employee ($millions) | 2.8115% | 6,386 |
| Cash dividends to net income (ytd only)* | 32.8947% | 2,476 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4723% | 4,151 |
| Loan loss allowance to noncurrent loans | 3,652.9412% | 147 |
| Noncurrent assets plus other real estate owned to assets | 0.4301% | 5,702 |
| Noncurrent loans to loans | 0.0403% | 6,579 |
| Net loans and leases to total assets | 67.1867% | 2,430 |
| Net loans and leases to deposits | 74.4522% | 3,217 |
| Net loans and leases to core deposits | 77.4393% | 3,597 |
| Total domestic deposits to total assets | 90.2414% | 798 |
| Equity capital to assets | 8.6188% | 6,107 |
| Core capital (leverage) ratio | 8.4404% | 5,729 |
| Tier 1 risk-based capital ratio | 11.8725% | 6,011 |
| Total risk-based capital ratio | 13.1253% | 5,979 |
| Memoranda: | ||
| Average total assets | $63,731,670 | 5,925 |
| Average earning assets | $54,911,330 | 6,002 |
| Average equity | $5,257,330 | 6,314 |
| Average total loans | $38,714,670 | 5,658 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9123% | 2,195 |
| Cost of funding earning assets | 0.8508% | 3,057 |
| Net interest margin | 4.0616% | 2,250 |
| Noninterest income to average assets | 0.3958% | 4,703 |
| Noninterest expense to average assets | 3.6492% | 1,466 |
| Loan and lease loss provision to assets | 0.0557% | 4,708 |
| Net operating income to assets | 0.0866% | 6,265 |
| Return on assets (ROA) | 0.0866% | 6,386 |
| Pretax return on assets | 0.0866% | 6,404 |
| Return on Equity (ROE) | 1.0727% | 6,333 |
| Retained earnings to average equity (ytd only) | -0.8428% | 6,132 |
| Net charge-offs to loans | -0.0324% | 6,376 |
| Credit loss provision to net charge-offs | -300.0000% | 5,669 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.2480% | 705 |
| Assets per employee ($millions) | 2.7741% | 6,539 |
| Cash dividends to net income (ytd only)* | 178.5714% | 204 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6238% | 3,630 |
| Loan loss allowance to noncurrent loans | 4,292.8571% | 124 |
| Noncurrent assets plus other real estate owned to assets | 0.7131% | 5,124 |
| Noncurrent loans to loans | 0.0378% | 6,664 |
| Net loans and leases to total assets | 57.0670% | 4,212 |
| Net loans and leases to deposits | 62.8860% | 4,787 |
| Net loans and leases to core deposits | 65.3136% | 4,987 |
| Total domestic deposits to total assets | 90.7467% | 662 |
| Equity capital to assets | 8.2142% | 6,348 |
| Core capital (leverage) ratio | 8.2268% | 5,986 |
| Tier 1 risk-based capital ratio | 12.5101% | 5,592 |
| Total risk-based capital ratio | 13.7621% | 5,557 |
| Memoranda: | ||
| Average total assets | $64,671,000 | 5,933 |
| Average earning assets | $54,068,000 | 6,062 |
| Average equity | $5,220,500 | 6,357 |
| Average total loans | $36,983,000 | 5,778 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1702% | 2,184 |
| Cost of funding earning assets | 1.0322% | 3,146 |
| Net interest margin | 4.1380% | 2,275 |
| Noninterest income to average assets | 0.5191% | 3,724 |
| Noninterest expense to average assets | 3.8488% | 1,261 |
| Loan and lease loss provision to assets | 0.0863% | 5,523 |
| Net operating income to assets | 0.2311% | 5,484 |
| Return on assets (ROA) | 0.7128% | 3,608 |
| Pretax return on assets | 0.7128% | 4,280 |
| Return on Equity (ROE) | 8.6657% | 2,602 |
| Retained earnings to average equity (ytd only) | 8.0722% | 1,054 |
| Net charge-offs to loans | 0.4422% | 3,222 |
| Credit loss provision to net charge-offs | 32.9193% | 5,745 |
| Earnings coverage of net charge-offs (x) | 1.2112% | 4,876 |
| Efficiency ratio | 92.3828% | 1,022 |
| Assets per employee ($millions) | 2.8495% | 6,381 |
| Cash dividends to net income (ytd only)* | 6.8493% | 3,944 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5939% | 3,612 |
| Loan loss allowance to noncurrent loans | 1,178.0000% | 351 |
| Noncurrent assets plus other real estate owned to assets | 0.7492% | 5,149 |
| Noncurrent loans to loans | 0.1353% | 6,471 |
| Net loans and leases to total assets | 55.4869% | 4,796 |
| Net loans and leases to deposits | 61.5469% | 5,304 |
| Net loans and leases to core deposits | 65.0141% | 5,361 |
| Total domestic deposits to total assets | 90.1538% | 910 |
| Equity capital to assets | 7.9343% | 6,615 |
| Core capital (leverage) ratio | 7.9987% | 6,274 |
| Tier 1 risk-based capital ratio | 11.9468% | 5,867 |
| Total risk-based capital ratio | 13.1972% | 5,841 |
| Memoranda: | ||
| Average total assets | $61,448,400 | 6,000 |
| Average earning assets | $54,156,600 | 6,040 |
| Average equity | $5,054,400 | 6,427 |
| Average total loans | $36,406,400 | 5,850 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0969% | 2,617 |
| Cost of funding earning assets | 1.0418% | 3,375 |
| Net interest margin | 4.0551% | 2,670 |
| Noninterest income to average assets | 0.4744% | 4,087 |
| Noninterest expense to average assets | 3.8150% | 1,287 |
| Loan and lease loss provision to assets | 0.0971% | 5,241 |
| Net operating income to assets | 0.2295% | 5,621 |
| Return on assets (ROA) | 0.5538% | 4,481 |
| Pretax return on assets | 0.5538% | 4,959 |
| Return on Equity (ROE) | 6.6692% | 3,679 |
| Retained earnings to average equity (ytd only) | 6.6692% | 2,153 |
| Net charge-offs to loans | 0.4081% | 3,090 |
| Credit loss provision to net charge-offs | 39.6396% | 5,259 |
| Earnings coverage of net charge-offs (x) | 1.3333% | 4,616 |
| Efficiency ratio | 92.1151% | 1,027 |
| Assets per employee ($millions) | 2.8615% | 6,381 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6250% | 3,552 |
| Loan loss allowance to noncurrent loans | 110.5079% | 2,708 |
| Noncurrent assets plus other real estate owned to assets | 1.5567% | 3,758 |
| Noncurrent loans to loans | 1.4705% | 4,092 |
| Net loans and leases to total assets | 60.6776% | 4,012 |
| Net loans and leases to deposits | 67.4001% | 4,703 |
| Net loans and leases to core deposits | 71.3667% | 4,797 |
| Total domestic deposits to total assets | 90.0261% | 853 |
| Equity capital to assets | 8.0980% | 6,639 |
| Core capital (leverage) ratio | 7.9999% | 6,398 |
| Tier 1 risk-based capital ratio | 11.2174% | 6,418 |
| Total risk-based capital ratio | 12.4690% | 6,401 |
| Memoranda: | ||
| Average total assets | $60,426,000 | 6,071 |
| Average earning assets | $54,646,250 | 6,075 |
| Average equity | $5,018,000 | 6,494 |
| Average total loans | $36,269,500 | 5,905 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0706% | 2,827 |
| Cost of funding earning assets | 1.0592% | 3,546 |
| Net interest margin | 4.0115% | 2,784 |
| Noninterest income to average assets | 0.4565% | 4,233 |
| Noninterest expense to average assets | 3.8501% | 1,279 |
| Loan and lease loss provision to assets | 0.0604% | 5,554 |
| Net operating income to assets | 0.1947% | 5,758 |
| Return on assets (ROA) | 0.3961% | 5,111 |
| Pretax return on assets | 0.3961% | 5,406 |
| Return on Equity (ROE) | 4.7282% | 4,578 |
| Retained earnings to average equity (ytd only) | 4.7282% | 3,177 |
| Net charge-offs to loans | 0.5704% | 2,401 |
| Credit loss provision to net charge-offs | 17.8218% | 5,160 |
| Earnings coverage of net charge-offs (x) | 0.7525% | 4,737 |
| Efficiency ratio | 93.7858% | 993 |
| Assets per employee ($millions) | 2.7522% | 6,559 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6318% | 3,573 |
| Loan loss allowance to noncurrent loans | 106.9565% | 2,690 |
| Noncurrent assets plus other real estate owned to assets | 1.6301% | 3,740 |
| Noncurrent loans to loans | 1.5256% | 4,132 |
| Net loans and leases to total assets | 61.2297% | 4,040 |
| Net loans and leases to deposits | 67.8191% | 4,734 |
| Net loans and leases to core deposits | 71.9646% | 4,824 |
| Total domestic deposits to total assets | 90.2839% | 824 |
| Equity capital to assets | 8.4576% | 6,231 |
| Core capital (leverage) ratio | 8.1188% | 6,137 |
| Tier 1 risk-based capital ratio | 10.9535% | 6,567 |
| Total risk-based capital ratio | 12.2047% | 6,536 |
| Memoranda: | ||
| Average total assets | $59,583,330 | 6,150 |
| Average earning assets | $54,194,330 | 6,142 |
| Average equity | $4,991,330 | 6,534 |
| Average total loans | $35,416,000 | 5,997 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9673% | 3,258 |
| Cost of funding earning assets | 1.0873% | 3,606 |
| Net interest margin | 3.8800% | 3,240 |
| Noninterest income to average assets | 0.4602% | 4,184 |
| Noninterest expense to average assets | 3.6886% | 1,557 |
| Loan and lease loss provision to assets | 0.0609% | 5,236 |
| Net operating income to assets | 0.2369% | 5,659 |
| Return on assets (ROA) | 0.2369% | 5,726 |
| Pretax return on assets | 0.2369% | 5,846 |
| Return on Equity (ROE) | 2.8418% | 5,453 |
| Retained earnings to average equity (ytd only) | 2.8418% | 4,465 |
| Net charge-offs to loans | 1.0619% | 1,289 |
| Credit loss provision to net charge-offs | 9.8901% | 4,381 |
| Earnings coverage of net charge-offs (x) | 0.4835% | 4,260 |
| Efficiency ratio | 92.5297% | 1,131 |
| Assets per employee ($millions) | 2.8231% | 6,493 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8479% | 2,861 |
| Loan loss allowance to noncurrent loans | 51.2053% | 4,944 |
| Noncurrent assets plus other real estate owned to assets | 4.0009% | 1,667 |
| Noncurrent loans to loans | 3.6088% | 2,057 |
| Net loans and leases to total assets | 55.1884% | 5,129 |
| Net loans and leases to deposits | 61.3520% | 5,585 |
| Net loans and leases to core deposits | 65.2007% | 5,604 |
| Total domestic deposits to total assets | 89.9538% | 1,175 |
| Equity capital to assets | 8.3409% | 6,120 |
| Core capital (leverage) ratio | 8.2781% | 5,847 |
| Tier 1 risk-based capital ratio | 11.2127% | 6,339 |
| Total risk-based capital ratio | 12.4661% | 6,306 |
| Memoranda: | ||
| Average total assets | $59,100,500 | 6,213 |
| Average earning assets | $53,711,000 | 6,207 |
| Average equity | $4,926,500 | 6,589 |
| Average total loans | $34,279,500 | 6,114 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5039% | 2,268 |
| Cost of funding earning assets | 1.4668% | 2,838 |
| Net interest margin | 4.0371% | 2,854 |
| Noninterest income to average assets | 0.2377% | 6,096 |
| Noninterest expense to average assets | 4.5191% | 636 |
| Loan and lease loss provision to assets | 1.2356% | 1,255 |
| Net operating income to assets | -1.8744% | 7,019 |
| Return on assets (ROA) | -2.1542% | 7,112 |
| Pretax return on assets | -2.1643% | 7,080 |
| Return on Equity (ROE) | -25.6761% | 7,151 |
| Retained earnings to average equity (ytd only) | -25.6761% | 7,132 |
| Net charge-offs to loans | 1.7255% | 1,254 |
| Credit loss provision to net charge-offs | 111.7378% | 3,919 |
| Earnings coverage of net charge-offs (x) | -0.5869% | 6,496 |
| Efficiency ratio | 116.7683% | 440 |
| Assets per employee ($millions) | 2.6780% | 6,726 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9816% | 2,350 |
| Loan loss allowance to noncurrent loans | 53.8165% | 4,799 |
| Noncurrent assets plus other real estate owned to assets | 2.5155% | 2,760 |
| Noncurrent loans to loans | 3.6821% | 2,019 |
| Net loans and leases to total assets | 58.6031% | 4,937 |
| Net loans and leases to deposits | 64.2751% | 5,595 |
| Net loans and leases to core deposits | 68.2737% | 5,636 |
| Total domestic deposits to total assets | 91.1754% | 521 |
| Equity capital to assets | 8.3306% | 6,108 |
| Core capital (leverage) ratio | 8.0421% | 6,130 |
| Tier 1 risk-based capital ratio | 10.7043% | 6,564 |
| Total risk-based capital ratio | 11.9573% | 6,530 |
| Memoranda: | ||
| Average total assets | $59,325,600 | 6,231 |
| Average earning assets | $53,380,400 | 6,242 |
| Average equity | $4,977,400 | 6,670 |
| Average total loans | $38,018,800 | 6,007 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5870% | 2,113 |
| Cost of funding earning assets | 1.5374% | 2,738 |
| Net interest margin | 4.0497% | 2,858 |
| Noninterest income to average assets | 0.4083% | 4,894 |
| Noninterest expense to average assets | 4.0047% | 1,036 |
| Loan and lease loss provision to assets | 0.9064% | 1,673 |
| Net operating income to assets | -0.8585% | 6,820 |
| Return on assets (ROA) | -1.2272% | 7,021 |
| Pretax return on assets | -1.2407% | 6,952 |
| Return on Equity (ROE) | -14.6017% | 7,091 |
| Retained earnings to average equity (ytd only) | -14.6017% | 7,062 |
| Net charge-offs to loans | 1.3878% | 1,466 |
| Credit loss provision to net charge-offs | 100.2481% | 4,300 |
| Earnings coverage of net charge-offs (x) | 0.0422% | 5,990 |
| Efficiency ratio | 99.0566% | 776 |
| Assets per employee ($millions) | 2.9490% | 6,268 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6778% | 3,228 |
| Loan loss allowance to noncurrent loans | 45.1449% | 5,261 |
| Noncurrent assets plus other real estate owned to assets | 3.3080% | 2,153 |
| Noncurrent loans to loans | 3.7165% | 2,094 |
| Net loans and leases to total assets | 61.9017% | 4,551 |
| Net loans and leases to deposits | 68.1125% | 5,404 |
| Net loans and leases to core deposits | 73.0560% | 5,396 |
| Total domestic deposits to total assets | 90.8815% | 488 |
| Equity capital to assets | 8.5539% | 6,217 |
| Core capital (leverage) ratio | 8.0191% | 6,326 |
| Tier 1 risk-based capital ratio | 10.1457% | 6,986 |
| Total risk-based capital ratio | 11.3962% | 6,970 |
| Memoranda: | ||
| Average total assets | $59,428,250 | 6,290 |
| Average earning assets | $53,336,500 | 6,310 |
| Average equity | $4,994,750 | 6,751 |
| Average total loans | $38,717,500 | 6,058 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6774% | 1,846 |
| Cost of funding earning assets | 1.6012% | 2,647 |
| Net interest margin | 4.0761% | 2,676 |
| Noninterest income to average assets | 0.2853% | 5,860 |
| Noninterest expense to average assets | 4.0048% | 1,045 |
| Loan and lease loss provision to assets | 0.9668% | 1,505 |
| Net operating income to assets | -1.1078% | 6,989 |
| Return on assets (ROA) | -1.3293% | 7,102 |
| Pretax return on assets | -1.2589% | 6,988 |
| Return on Equity (ROE) | -15.9100% | 7,169 |
| Retained earnings to average equity (ytd only) | -15.9100% | 7,132 |
| Net charge-offs to loans | 1.5084% | 1,270 |
| Credit loss provision to net charge-offs | 97.2973% | 4,200 |
| Earnings coverage of net charge-offs (x) | -0.0709% | 5,780 |
| Efficiency ratio | 101.7918% | 741 |
| Assets per employee ($millions) | 2.6574% | 6,849 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5549% | 3,647 |
| Loan loss allowance to noncurrent loans | 50.2876% | 4,948 |
| Noncurrent assets plus other real estate owned to assets | 2.9541% | 2,420 |
| Noncurrent loans to loans | 3.0921% | 2,598 |
| Net loans and leases to total assets | 66.2772% | 3,772 |
| Net loans and leases to deposits | 72.8861% | 4,851 |
| Net loans and leases to core deposits | 78.0765% | 4,939 |
| Total domestic deposits to total assets | 90.9326% | 512 |
| Equity capital to assets | 8.5166% | 6,143 |
| Core capital (leverage) ratio | 8.4127% | 5,555 |
| Tier 1 risk-based capital ratio | 10.1161% | 6,960 |
| Total risk-based capital ratio | 11.3671% | 6,930 |
| Memoranda: | ||
| Average total assets | $59,578,000 | 6,325 |
| Average earning assets | $53,334,670 | 6,352 |
| Average equity | $4,978,000 | 6,787 |
| Average total loans | $39,246,000 | 6,077 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6343% | 2,013 |
| Cost of funding earning assets | 1.6947% | 2,420 |
| Net interest margin | 3.9395% | 3,154 |
| Noninterest income to average assets | 0.5055% | 4,008 |
| Noninterest expense to average assets | 3.8845% | 1,197 |
| Loan and lease loss provision to assets | 0.0599% | 6,043 |
| Net operating income to assets | 0.0186% | 6,238 |
| Return on assets (ROA) | 0.1463% | 5,998 |
| Pretax return on assets | 0.2860% | 5,647 |
| Return on Equity (ROE) | 1.7680% | 5,855 |
| Retained earnings to average equity (ytd only) | 1.7680% | 5,056 |
| Net charge-offs to loans | -0.0408% | 7,292 |
| Credit loss provision to net charge-offs | -225.0000% | 6,142 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.3696% | 1,004 |
| Assets per employee ($millions) | 2.6805% | 6,898 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6290% | 3,332 |
| Loan loss allowance to noncurrent loans | 37.5370% | 5,860 |
| Noncurrent assets plus other real estate owned to assets | 4.1106% | 1,667 |
| Noncurrent loans to loans | 4.3397% | 1,743 |
| Net loans and leases to total assets | 64.9245% | 4,112 |
| Net loans and leases to deposits | 71.3492% | 5,148 |
| Net loans and leases to core deposits | 76.3780% | 5,205 |
| Total domestic deposits to total assets | 90.9954% | 550 |
| Equity capital to assets | 8.4721% | 6,040 |
| Core capital (leverage) ratio | 8.4148% | 5,535 |
| Tier 1 risk-based capital ratio | 10.4571% | 6,670 |
| Total risk-based capital ratio | 11.7071% | 6,666 |
| Memoranda: | ||
| Average total assets | $60,136,000 | 6,376 |
| Average earning assets | $53,813,500 | 6,401 |
| Average equity | $4,977,500 | 6,852 |
| Average total loans | $39,189,500 | 6,158 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2521% | 1,117 |
| Cost of funding earning assets | 2.2502% | 1,839 |
| Net interest margin | 4.0019% | 2,855 |
| Noninterest income to average assets | -0.0083% | 7,723 |
| Noninterest expense to average assets | 4.3712% | 906 |
| Loan and lease loss provision to assets | 0.7058% | 3,000 |
| Net operating income to assets | -1.2536% | 6,739 |
| Return on assets (ROA) | -1.2439% | 6,737 |
| Pretax return on assets | -1.4997% | 6,702 |
| Return on Equity (ROE) | -14.7860% | 6,921 |
| Retained earnings to average equity (ytd only) | -14.7860% | 6,873 |
| Net charge-offs to loans | 2.0948% | 1,168 |
| Credit loss provision to net charge-offs | 49.1329% | 6,756 |
| Earnings coverage of net charge-offs (x) | -0.5607% | 6,730 |
| Efficiency ratio | 122.5897% | 568 |
| Assets per employee ($millions) | 2.9191% | 6,416 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5738% | 3,382 |
| Loan loss allowance to noncurrent loans | 39.9357% | 5,750 |
| Noncurrent assets plus other real estate owned to assets | 3.5072% | 1,914 |
| Noncurrent loans to loans | 3.9408% | 1,883 |
| Net loans and leases to total assets | 63.3552% | 4,736 |
| Net loans and leases to deposits | 69.9923% | 5,603 |
| Net loans and leases to core deposits | 80.8266% | 6,012 |
| Total domestic deposits to total assets | 90.5174% | 738 |
| Equity capital to assets | 8.0895% | 6,478 |
| Core capital (leverage) ratio | 8.2482% | 5,726 |
| Tier 1 risk-based capital ratio | 10.0801% | 6,800 |
| Total risk-based capital ratio | 11.3306% | 6,767 |
| Memoranda: | ||
| Average total assets | $60,212,400 | 6,343 |
| Average earning assets | $53,774,000 | 6,384 |
| Average equity | $5,065,600 | 6,918 |
| Average total loans | $41,293,000 | 6,045 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4115% | 909 |
| Cost of funding earning assets | 2.3589% | 1,770 |
| Net interest margin | 4.0527% | 2,589 |
| Noninterest income to average assets | 0.6117% | 3,608 |
| Noninterest expense to average assets | 4.2108% | 1,020 |
| Loan and lease loss provision to assets | 0.6651% | 2,747 |
| Net operating income to assets | -0.6451% | 6,564 |
| Return on assets (ROA) | -0.6295% | 6,556 |
| Pretax return on assets | -0.6295% | 6,425 |
| Return on Equity (ROE) | -7.4097% | 6,694 |
| Retained earnings to average equity (ytd only) | -7.4097% | 6,546 |
| Net charge-offs to loans | 2.3695% | 781 |
| Credit loss provision to net charge-offs | 40.2965% | 6,421 |
| Earnings coverage of net charge-offs (x) | 0.0121% | 6,049 |
| Efficiency ratio | 99.5268% | 1,083 |
| Assets per employee ($millions) | 2.7401% | 6,756 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5057% | 3,403 |
| Loan loss allowance to noncurrent loans | 61.6766% | 4,266 |
| Noncurrent assets plus other real estate owned to assets | 3.4603% | 1,931 |
| Noncurrent loans to loans | 2.4412% | 3,088 |
| Net loans and leases to total assets | 67.0620% | 4,171 |
| Net loans and leases to deposits | 74.3841% | 5,310 |
| Net loans and leases to core deposits | 85.2010% | 5,949 |
| Total domestic deposits to total assets | 90.1564% | 710 |
| Equity capital to assets | 8.1715% | 6,674 |
| Core capital (leverage) ratio | 8.1044% | 6,177 |
| Tier 1 risk-based capital ratio | 9.7020% | 7,237 |
| Total risk-based capital ratio | 10.9113% | 7,229 |
| Memoranda: | ||
| Average total assets | $59,940,000 | 6,391 |
| Average earning assets | $53,527,000 | 6,443 |
| Average equity | $5,092,250 | 6,971 |
| Average total loans | $41,751,500 | 6,075 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5042% | 817 |
| Cost of funding earning assets | 2.4170% | 1,896 |
| Net interest margin | 4.0871% | 2,368 |
| Noninterest income to average assets | 1.2269% | 1,030 |
| Noninterest expense to average assets | 4.2189% | 1,049 |
| Loan and lease loss provision to assets | 0.6352% | 2,525 |
| Net operating income to assets | 0.0134% | 5,796 |
| Return on assets (ROA) | 0.0368% | 5,826 |
| Pretax return on assets | 0.0368% | 5,802 |
| Return on Equity (ROE) | 0.4274% | 5,804 |
| Retained earnings to average equity (ytd only) | 0.4274% | 5,046 |
| Net charge-offs to loans | 1.8482% | 1,021 |
| Credit loss provision to net charge-offs | 48.9691% | 5,783 |
| Earnings coverage of net charge-offs (x) | 0.5000% | 5,198 |
| Efficiency ratio | 86.6758% | 2,159 |
| Assets per employee ($millions) | 2.7563% | 6,725 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0749% | 1,433 |
| Loan loss allowance to noncurrent loans | 51.6148% | 4,924 |
| Noncurrent assets plus other real estate owned to assets | 3.9397% | 1,520 |
| Noncurrent loans to loans | 4.0200% | 1,682 |
| Net loans and leases to total assets | 67.1663% | 4,324 |
| Net loans and leases to deposits | 73.7911% | 5,483 |
| Net loans and leases to core deposits | 87.7213% | 5,748 |
| Total domestic deposits to total assets | 91.0223% | 446 |
| Equity capital to assets | 8.4879% | 6,063 |
| Core capital (leverage) ratio | 8.5494% | 5,360 |
| Tier 1 risk-based capital ratio | 9.3864% | 7,485 |
| Total risk-based capital ratio | 10.6399% | 7,452 |
| Memoranda: | ||
| Average total assets | $59,825,670 | 6,453 |
| Average earning assets | $53,289,000 | 6,500 |
| Average equity | $5,147,670 | 7,014 |
| Average total loans | $41,987,000 | 6,114 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3227% | 1,238 |
| Cost of funding earning assets | 2.5154% | 1,859 |
| Net interest margin | 3.8073% | 3,417 |
| Noninterest income to average assets | 0.7472% | 2,617 |
| Noninterest expense to average assets | 4.1064% | 1,055 |
| Loan and lease loss provision to assets | 0.0202% | 6,641 |
| Net operating income to assets | -0.0067% | 6,266 |
| Return on assets (ROA) | 0.0404% | 6,303 |
| Pretax return on assets | 0.0404% | 6,297 |
| Return on Equity (ROE) | 0.4662% | 6,284 |
| Retained earnings to average equity (ytd only) | 0.4662% | 5,467 |
| Net charge-offs to loans | 0.6638% | 1,854 |
| Credit loss provision to net charge-offs | 4.2857% | 5,227 |
| Earnings coverage of net charge-offs (x) | 0.0286% | 4,956 |
| Efficiency ratio | 99.6732% | 1,143 |
| Assets per employee ($millions) | 2.6611% | 6,958 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3728% | 881 |
| Loan loss allowance to noncurrent loans | 48.4878% | 5,287 |
| Noncurrent assets plus other real estate owned to assets | 4.2771% | 1,162 |
| Noncurrent loans to loans | 4.8937% | 1,116 |
| Net loans and leases to total assets | 69.8557% | 3,705 |
| Net loans and leases to deposits | 77.0232% | 5,083 |
| Net loans and leases to core deposits | 88.9665% | 5,650 |
| Total domestic deposits to total assets | 90.6943% | 518 |
| Equity capital to assets | 8.8171% | 5,595 |
| Core capital (leverage) ratio | 8.5375% | 5,459 |
| Tier 1 risk-based capital ratio | 9.0347% | 7,777 |
| Total risk-based capital ratio | 10.2908% | 7,796 |
| Memoranda: | ||
| Average total assets | $59,419,000 | 6,490 |
| Average earning assets | $52,636,000 | 6,553 |
| Average equity | $5,148,000 | 7,065 |
| Average total loans | $42,184,500 | 6,130 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5932% | 2,519 |
| Cost of funding earning assets | 3.2061% | 1,170 |
| Net interest margin | 3.3871% | 5,711 |
| Noninterest income to average assets | 0.3785% | 5,656 |
| Noninterest expense to average assets | 4.4465% | 914 |
| Loan and lease loss provision to assets | 2.1754% | 531 |
| Net operating income to assets | -3.2346% | 7,873 |
| Return on assets (ROA) | -3.2601% | 7,859 |
| Pretax return on assets | -3.2451% | 7,771 |
| Return on Equity (ROE) | -34.8105% | 8,021 |
| Retained earnings to average equity (ytd only) | -35.7691% | 7,998 |
| Net charge-offs to loans | 2.1618% | 486 |
| Credit loss provision to net charge-offs | 144.8207% | 3,648 |
| Earnings coverage of net charge-offs (x) | -0.6952% | 6,539 |
| Efficiency ratio | 130.6948% | 459 |
| Assets per employee ($millions) | 2.6214% | 6,957 |
| Cash dividends to net income (ytd only)* | -2.7536% | 7,721 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4978% | 684 |
| Loan loss allowance to noncurrent loans | 50.2844% | 5,480 |
| Noncurrent assets plus other real estate owned to assets | 4.2526% | 930 |
| Noncurrent loans to loans | 4.9673% | 891 |
| Net loans and leases to total assets | 68.6929% | 4,324 |
| Net loans and leases to deposits | 75.5385% | 5,645 |
| Net loans and leases to core deposits | 87.4311% | 6,029 |
| Total domestic deposits to total assets | 90.9376% | 350 |
| Equity capital to assets | 8.5151% | 6,060 |
| Core capital (leverage) ratio | 8.2864% | 5,976 |
| Tier 1 risk-based capital ratio | 8.9600% | 7,813 |
| Total risk-based capital ratio | 10.2231% | 7,798 |
| Memoranda: | ||
| Average total assets | $66,839,000 | 6,131 |
| Average earning assets | $59,667,800 | 6,187 |
| Average equity | $6,259,600 | 6,708 |
| Average total loans | $46,441,800 | 5,857 |