Home > La Monte Community Bank > Performance and Condition Ratios
La Monte Community Bank, Performance and Condition Ratios
| 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 | 3.2498% | 3,713 |
| Cost of funding earning assets | 0.5349% | 1,193 |
| Net interest margin | 2.7149% | 4,037 |
| Noninterest income to average assets | 0.1800% | 4,071 |
| Noninterest expense to average assets | 2.1976% | 3,035 |
| Loan and lease loss provision to assets | 0.0100% | 2,705 |
| Net operating income to assets | 0.4277% | 4,210 |
| Return on assets (ROA) | 0.4277% | 4,173 |
| Pretax return on assets | 0.5574% | 4,093 |
| Return on Equity (ROE) | 5.3800% | 3,953 |
| Retained earnings to average equity (ytd only) | 5.3785% | 2,884 |
| 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 | 79.5062% | 755 |
| Assets per employee ($millions) | 6.2927% | 2,518 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9004% | 3,769 |
| Loan loss allowance to noncurrent loans | 145.9119% | 3,000 |
| Noncurrent assets plus other real estate owned to assets | 0.3610% | 1,418 |
| Noncurrent loans to loans | 0.6171% | 1,207 |
| Net loans and leases to total assets | 57.9700% | 2,826 |
| Net loans and leases to deposits | 63.2264% | 3,099 |
| Net loans and leases to core deposits | 64.8845% | 3,209 |
| Total domestic deposits to total assets | 91.6800% | 725 |
| Equity capital to assets | 8.2045% | 2,930 |
| Core capital (leverage) ratio | 8.3276% | 4,250 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7056% | 1,433 |
| Memoranda: | ||
| Average total assets | $43,957,000 | 4,495 |
| Average earning assets | $41,879,400 | 4,464 |
| Average equity | $3,495,400 | 4,569 |
| Average total loans | $25,067,200 | 4,327 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0400% | 3,810 |
| Cost of funding earning assets | 0.2784% | 2,401 |
| Net interest margin | 2.7617% | 3,814 |
| Noninterest income to average assets | 0.1700% | 4,154 |
| Noninterest expense to average assets | 2.2245% | 2,862 |
| Loan and lease loss provision to assets | 0.0100% | 2,534 |
| Net operating income to assets | 0.4674% | 4,135 |
| Return on assets (ROA) | 0.4674% | 4,082 |
| Pretax return on assets | 0.6161% | 3,958 |
| Return on Equity (ROE) | 5.9200% | 3,812 |
| Retained earnings to average equity (ytd only) | 5.9245% | 2,776 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 77.9787% | 913 |
| Assets per employee ($millions) | 6.3249% | 2,466 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8604% | 3,959 |
| Loan loss allowance to noncurrent loans | 11,600.0000% | 127 |
| Noncurrent assets plus other real estate owned to assets | 0.0045% | 3,967 |
| Noncurrent loans to loans | 0.0074% | 3,897 |
| Net loans and leases to total assets | 60.3800% | 2,460 |
| Net loans and leases to deposits | 66.8835% | 2,642 |
| Net loans and leases to core deposits | 68.6545% | 2,747 |
| Total domestic deposits to total assets | 90.2700% | 1,540 |
| Equity capital to assets | 7.9821% | 2,908 |
| Core capital (leverage) ratio | 8.0393% | 4,372 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6813% | 1,508 |
| Memoranda: | ||
| Average total assets | $43,934,000 | 4,530 |
| Average earning assets | $42,630,250 | 4,488 |
| Average equity | $3,465,750 | 4,616 |
| Average total loans | $24,892,500 | 4,362 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8651% | 3,862 |
| Cost of funding earning assets | 0.2588% | 2,156 |
| Net interest margin | 2.6063% | 3,896 |
| Noninterest income to average assets | 0.1689% | 4,166 |
| Noninterest expense to average assets | 2.0995% | 3,145 |
| Loan and lease loss provision to assets | 0.0137% | 2,351 |
| Net operating income to assets | 0.4427% | 4,018 |
| Return on assets (ROA) | 0.4427% | 3,971 |
| Pretax return on assets | 0.5842% | 3,842 |
| Return on Equity (ROE) | 5.6346% | 3,674 |
| Retained earnings to average equity (ytd only) | 5.6346% | 2,456 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.8342% | 1,093 |
| Assets per employee ($millions) | 6.3747% | 2,411 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9453% | 3,813 |
| Loan loss allowance to noncurrent loans | 679.4118% | 1,252 |
| Noncurrent assets plus other real estate owned to assets | 0.0762% | 3,214 |
| Noncurrent loans to loans | 0.1391% | 3,010 |
| Net loans and leases to total assets | 54.2433% | 2,936 |
| Net loans and leases to deposits | 58.8600% | 3,141 |
| Net loans and leases to core deposits | 60.3721% | 3,246 |
| Total domestic deposits to total assets | 92.1565% | 780 |
| Equity capital to assets | 7.7583% | 3,299 |
| Core capital (leverage) ratio | 8.0391% | 4,304 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7828% | 1,230 |
| Memoranda: | ||
| Average total assets | $43,820,667 | 4,576 |
| Average earning assets | $42,511,667 | 4,545 |
| Average equity | $3,443,000 | 4,660 |
| Average total loans | $24,202,000 | 4,428 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7814% | 3,780 |
| Cost of funding earning assets | 0.2658% | 1,968 |
| Net interest margin | 2.5156% | 3,872 |
| Noninterest income to average assets | 0.1566% | 4,217 |
| Noninterest expense to average assets | 2.1741% | 2,911 |
| Loan and lease loss provision to assets | 0.0092% | 2,155 |
| Net operating income to assets | 0.3132% | 4,121 |
| Return on assets (ROA) | 0.3132% | 4,088 |
| Pretax return on assets | 0.4146% | 4,010 |
| Return on Equity (ROE) | 3.9610% | 3,885 |
| Retained earnings to average equity (ytd only) | 3.9610% | 2,943 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.6879% | 871 |
| Assets per employee ($millions) | 6.3807% | 2,467 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9442% | 3,917 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 53.7893% | 2,786 |
| Net loans and leases to deposits | 58.2806% | 3,050 |
| Net loans and leases to core deposits | 59.7726% | 3,167 |
| Total domestic deposits to total assets | 92.2937% | 475 |
| Equity capital to assets | 7.6525% | 3,829 |
| Core capital (leverage) ratio | 7.9962% | 4,314 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7676% | 1,322 |
| Memoranda: | ||
| Average total assets | $43,419,500 | 4,601 |
| Average earning assets | $42,137,500 | 4,573 |
| Average equity | $3,433,500 | 4,693 |
| Average total loans | $24,085,000 | 4,450 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6283% | 4,383 |
| Cost of funding earning assets | 0.3315% | 2,107 |
| Net interest margin | 2.2968% | 4,416 |
| Noninterest income to average assets | 0.2233% | 4,035 |
| Noninterest expense to average assets | 2.3623% | 2,614 |
| Loan and lease loss provision to assets | 0.0115% | 2,853 |
| Net operating income to assets | 0.0507% | 4,659 |
| Return on assets (ROA) | 0.0507% | 4,668 |
| Pretax return on assets | 0.0668% | 4,662 |
| Return on Equity (ROE) | 0.6340% | 4,642 |
| Retained earnings to average equity (ytd only) | -1.2391% | 4,591 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.7925% | 184 |
| Assets per employee ($millions) | 6.0249% | 2,746 |
| Cash dividends to net income (ytd only)* | 295.4545% | 19 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9533% | 3,923 |
| Loan loss allowance to noncurrent loans | 90.1186% | 3,505 |
| Noncurrent assets plus other real estate owned to assets | 0.5999% | 1,095 |
| Noncurrent loans to loans | 1.0579% | 923 |
| Net loans and leases to total assets | 56.1673% | 2,583 |
| Net loans and leases to deposits | 61.2156% | 2,968 |
| Net loans and leases to core deposits | 62.8829% | 3,086 |
| Total domestic deposits to total assets | 91.7532% | 249 |
| Equity capital to assets | 8.1780% | 4,251 |
| Core capital (leverage) ratio | 8.1818% | 4,231 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7732% | 1,319 |
| Memoranda: | ||
| Average total assets | $43,432,000 | 4,628 |
| Average earning assets | $41,928,200 | 4,594 |
| Average equity | $3,470,200 | 4,744 |
| Average total loans | $22,522,000 | 4,528 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5825% | 4,514 |
| Cost of funding earning assets | 0.3445% | 2,170 |
| Net interest margin | 2.2380% | 4,537 |
| Noninterest income to average assets | 0.1920% | 4,243 |
| Noninterest expense to average assets | 2.3407% | 2,630 |
| Loan and lease loss provision to assets | 0.0114% | 2,759 |
| Net operating income to assets | 0.0000% | 4,743 |
| Return on assets (ROA) | 0.0000% | 4,754 |
| Pretax return on assets | -0.0030% | 4,754 |
| Return on Equity (ROE) | 0.0000% | 4,754 |
| Retained earnings to average equity (ytd only) | -2.4936% | 4,717 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.6109% | 161 |
| Assets per employee ($millions) | 6.3274% | 2,395 |
| Cash dividends to net income (ytd only)* | NA | NA |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9758% | 3,926 |
| Loan loss allowance to noncurrent loans | 378.3333% | 1,674 |
| Noncurrent assets plus other real estate owned to assets | 0.1355% | 3,208 |
| Noncurrent loans to loans | 0.2579% | 2,899 |
| Net loans and leases to total assets | 52.0116% | 3,189 |
| Net loans and leases to deposits | 56.4646% | 3,538 |
| Net loans and leases to core deposits | 57.9197% | 3,636 |
| Total domestic deposits to total assets | 92.1137% | 106 |
| Equity capital to assets | 7.7870% | 4,617 |
| Core capital (leverage) ratio | 7.8100% | 4,578 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4049% | 1,265 |
| Memoranda: | ||
| Average total assets | $43,746,500 | 4,691 |
| Average earning assets | $42,180,000 | 4,656 |
| Average equity | $3,475,500 | 4,814 |
| Average total loans | $22,173,500 | 4,589 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5317% | 4,593 |
| Cost of funding earning assets | 0.3671% | 2,161 |
| Net interest margin | 2.1646% | 4,621 |
| Noninterest income to average assets | 0.2250% | 4,052 |
| Noninterest expense to average assets | 2.2220% | 3,012 |
| Loan and lease loss provision to assets | 0.0138% | 2,680 |
| Net operating income to assets | 0.0551% | 4,747 |
| Return on assets (ROA) | 0.0551% | 4,757 |
| Pretax return on assets | 0.0735% | 4,751 |
| Return on Equity (ROE) | 0.6888% | 4,733 |
| Retained earnings to average equity (ytd only) | -3.0422% | 4,721 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.2227% | 216 |
| Assets per employee ($millions) | 6.3657% | 2,266 |
| Cash dividends to net income (ytd only)* | 541.6667% | 12 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9680% | 3,936 |
| Loan loss allowance to noncurrent loans | 30.0532% | 4,161 |
| Noncurrent assets plus other real estate owned to assets | 1.6876% | 304 |
| Noncurrent loans to loans | 3.2208% | 213 |
| Net loans and leases to total assets | 51.8896% | 3,352 |
| Net loans and leases to deposits | 56.3237% | 3,687 |
| Net loans and leases to core deposits | 57.4032% | 3,802 |
| Total domestic deposits to total assets | 92.1275% | 104 |
| Equity capital to assets | 7.7648% | 4,648 |
| Core capital (leverage) ratio | 7.7136% | 4,615 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9609% | 1,344 |
| Memoranda: | ||
| Average total assets | $43,564,667 | 4,723 |
| Average earning assets | $41,948,333 | 4,687 |
| Average equity | $3,484,333 | 4,848 |
| Average total loans | $21,810,000 | 4,634 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5633% | 4,604 |
| Cost of funding earning assets | 0.3772% | 2,294 |
| Net interest margin | 2.1861% | 4,620 |
| Noninterest income to average assets | 0.3158% | 3,516 |
| Noninterest expense to average assets | 2.1919% | 3,130 |
| Loan and lease loss provision to assets | 0.0093% | 2,652 |
| Net operating income to assets | 0.1579% | 4,667 |
| Return on assets (ROA) | 0.1579% | 4,686 |
| Pretax return on assets | 0.2136% | 4,671 |
| Return on Equity (ROE) | 1.9448% | 4,607 |
| Retained earnings to average equity (ytd only) | -5.4912% | 4,715 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.7692% | 348 |
| Assets per employee ($millions) | 6.4746% | 2,196 |
| Cash dividends to net income (ytd only)* | 382.3529% | 32 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0510% | 3,644 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 46.5315% | 3,922 |
| Net loans and leases to deposits | 50.4534% | 4,134 |
| Net loans and leases to core deposits | 52.0356% | 4,192 |
| Total domestic deposits to total assets | 92.2267% | 103 |
| Equity capital to assets | 7.6607% | 4,651 |
| Core capital (leverage) ratio | 8.1650% | 4,425 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $43,067,000 | 4,748 |
| Average earning assets | $41,353,000 | 4,718 |
| Average equity | $3,496,500 | 4,869 |
| Average total loans | $21,041,000 | 4,674 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5152% | 4,002 |
| Cost of funding earning assets | 0.4980% | 2,965 |
| Net interest margin | 3.0173% | 3,846 |
| Noninterest income to average assets | 0.1965% | 4,300 |
| Noninterest expense to average assets | 2.6173% | 2,492 |
| Loan and lease loss provision to assets | 0.0142% | 4,195 |
| Net operating income to assets | 0.3788% | 4,286 |
| Return on assets (ROA) | 0.3788% | 4,368 |
| Pretax return on assets | 0.4984% | 4,275 |
| Return on Equity (ROE) | 3.8041% | 4,200 |
| Retained earnings to average equity (ytd only) | 0.9439% | 4,245 |
| Net charge-offs to loans | -0.0045% | 4,106 |
| Credit loss provision to net charge-offs | -500.0000% | 3,921 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.6215% | 659 |
| Assets per employee ($millions) | 5.8303% | 2,515 |
| Cash dividends to net income (ytd only)* | 75.1880% | 786 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0737% | 3,584 |
| Loan loss allowance to noncurrent loans | 22,300.0000% | 44 |
| Noncurrent assets plus other real estate owned to assets | 0.0025% | 4,463 |
| Noncurrent loans to loans | 0.0048% | 4,379 |
| Net loans and leases to total assets | 50.3430% | 3,799 |
| Net loans and leases to deposits | 55.1807% | 4,057 |
| Net loans and leases to core deposits | 56.7334% | 4,117 |
| Total domestic deposits to total assets | 91.2330% | 170 |
| Equity capital to assets | 8.6274% | 4,353 |
| Core capital (leverage) ratio | 9.0170% | 3,664 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $35,112,600 | 4,828 |
| Average earning assets | $34,137,000 | 4,794 |
| Average equity | $3,496,200 | 4,882 |
| Average total loans | $22,027,800 | 4,678 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7434% | 3,694 |
| Cost of funding earning assets | 0.5237% | 3,090 |
| Net interest margin | 3.2196% | 3,429 |
| Noninterest income to average assets | 0.1464% | 4,573 |
| Noninterest expense to average assets | 2.6280% | 2,455 |
| Loan and lease loss provision to assets | 0.0148% | 4,135 |
| Net operating income to assets | 0.4789% | 4,090 |
| Return on assets (ROA) | 0.4789% | 4,167 |
| Pretax return on assets | 0.6412% | 4,027 |
| Return on Equity (ROE) | 4.6226% | 3,991 |
| Retained earnings to average equity (ytd only) | 0.8023% | 4,312 |
| Net charge-offs to loans | -0.0060% | 4,093 |
| Credit loss provision to net charge-offs | -400.0000% | 3,749 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.0000% | 871 |
| Assets per employee ($millions) | 5.4381% | 2,764 |
| Cash dividends to net income (ytd only)* | 82.6446% | 539 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0117% | 3,657 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 57.0625% | 3,517 |
| Net loans and leases to deposits | 63.0007% | 3,860 |
| Net loans and leases to core deposits | 64.4283% | 3,989 |
| Total domestic deposits to total assets | 90.5745% | 265 |
| Equity capital to assets | 9.2285% | 3,925 |
| Core capital (leverage) ratio | 9.6811% | 3,050 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $33,687,750 | 4,869 |
| Average earning assets | $32,839,500 | 4,838 |
| Average equity | $3,490,000 | 4,908 |
| Average total loans | $22,342,500 | 4,705 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9607% | 3,429 |
| Cost of funding earning assets | 0.5494% | 3,240 |
| Net interest margin | 3.4113% | 3,064 |
| Noninterest income to average assets | 0.1489% | 4,562 |
| Noninterest expense to average assets | 2.7119% | 2,347 |
| Loan and lease loss provision to assets | 0.0186% | 4,003 |
| Net operating income to assets | 0.5461% | 3,896 |
| Return on assets (ROA) | 0.5461% | 3,976 |
| Pretax return on assets | 0.7323% | 3,791 |
| Return on Equity (ROE) | 5.0541% | 3,819 |
| Retained earnings to average equity (ytd only) | -0.6892% | 4,434 |
| Net charge-offs to loans | -0.0089% | 4,175 |
| Credit loss provision to net charge-offs | -300.0000% | 3,536 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.3154% | 1,024 |
| Assets per employee ($millions) | 4.8883% | 3,320 |
| Cash dividends to net income (ytd only)* | 113.6364% | 356 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9810% | 3,665 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 65.1879% | 2,738 |
| Net loans and leases to deposits | 72.7409% | 3,185 |
| Net loans and leases to core deposits | 74.5995% | 3,413 |
| Total domestic deposits to total assets | 89.6166% | 522 |
| Equity capital to assets | 10.2052% | 3,012 |
| Core capital (leverage) ratio | 10.6125% | 2,275 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $32,228,000 | 4,909 |
| Average earning assets | $31,307,333 | 4,884 |
| Average equity | $3,482,333 | 4,937 |
| Average total loans | $22,475,333 | 4,723 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1506% | 3,373 |
| Cost of funding earning assets | 0.5816% | 3,520 |
| Net interest margin | 3.5690% | 2,773 |
| Noninterest income to average assets | 0.1409% | 4,659 |
| Noninterest expense to average assets | 2.8047% | 2,417 |
| Loan and lease loss provision to assets | 0.0128% | 3,620 |
| Net operating income to assets | 0.5891% | 3,627 |
| Return on assets (ROA) | 0.5891% | 3,685 |
| Pretax return on assets | 0.7812% | 3,461 |
| Return on Equity (ROE) | 5.2912% | 3,540 |
| Retained earnings to average equity (ytd only) | -6.2114% | 4,600 |
| Net charge-offs to loans | -0.0178% | 4,297 |
| Credit loss provision to net charge-offs | -100.0000% | 3,178 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.9359% | 1,348 |
| Assets per employee ($millions) | 4.5713% | 3,169 |
| Cash dividends to net income (ytd only)* | 217.3913% | 262 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9658% | 3,871 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 70.1803% | 2,222 |
| Net loans and leases to deposits | 78.8712% | 2,789 |
| Net loans and leases to core deposits | 81.0371% | 3,107 |
| Total domestic deposits to total assets | 88.9809% | 674 |
| Equity capital to assets | 10.8410% | 2,998 |
| Core capital (leverage) ratio | 10.8346% | 2,617 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $31,233,000 | 4,958 |
| Average earning assets | $30,260,500 | 4,934 |
| Average equity | $3,477,500 | 4,981 |
| Average total loans | $22,449,500 | 4,755 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2936% | 3,551 |
| Cost of funding earning assets | 0.6270% | 3,524 |
| Net interest margin | 3.6665% | 2,916 |
| Noninterest income to average assets | 0.1591% | 4,697 |
| Noninterest expense to average assets | 2.8893% | 2,322 |
| Loan and lease loss provision to assets | 0.0159% | 3,698 |
| Net operating income to assets | 0.5919% | 4,184 |
| Return on assets (ROA) | 0.5919% | 4,241 |
| Pretax return on assets | 0.7892% | 3,993 |
| Return on Equity (ROE) | 5.4600% | 4,080 |
| Retained earnings to average equity (ytd only) | 3.2584% | 3,384 |
| Net charge-offs to loans | -0.0090% | 4,438 |
| Credit loss provision to net charge-offs | -250.0000% | 4,327 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.2084% | 1,126 |
| Assets per employee ($millions) | 4.3524% | 3,433 |
| Cash dividends to net income (ytd only)* | 40.3226% | 2,589 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9765% | 3,622 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 72.2290% | 2,056 |
| Net loans and leases to deposits | 81.6974% | 2,592 |
| Net loans and leases to core deposits | 84.0694% | 2,942 |
| Total domestic deposits to total assets | 88.4104% | 933 |
| Equity capital to assets | 11.4419% | 2,580 |
| Core capital (leverage) ratio | 11.2652% | 2,282 |
| Tier 1 risk-based capital ratio | 17.5720% | 1,872 |
| Total risk-based capital ratio | 18.6665% | 1,876 |
| Memoranda: | ||
| Average total assets | $31,426,200 | 5,009 |
| Average earning assets | $30,301,000 | 4,982 |
| Average equity | $3,406,600 | 5,047 |
| Average total loans | $22,326,800 | 4,816 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2699% | 3,750 |
| Cost of funding earning assets | 0.6200% | 3,586 |
| Net interest margin | 3.6499% | 3,094 |
| Noninterest income to average assets | 0.1600% | 4,745 |
| Noninterest expense to average assets | 2.7873% | 2,595 |
| Loan and lease loss provision to assets | 0.0168% | 3,576 |
| Net operating income to assets | 0.6568% | 4,145 |
| Return on assets (ROA) | 0.6568% | 4,194 |
| Pretax return on assets | 0.8758% | 3,943 |
| Return on Equity (ROE) | 6.1413% | 3,998 |
| Retained earnings to average equity (ytd only) | 3.1889% | 3,812 |
| Net charge-offs to loans | -0.0060% | 4,246 |
| Credit loss provision to net charge-offs | -400.0000% | 4,286 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7437% | 1,358 |
| Assets per employee ($millions) | 4.5823% | 3,077 |
| Cash dividends to net income (ytd only)* | 48.0792% | 1,777 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9124% | 3,993 |
| Loan loss allowance to noncurrent loans | 59.0659% | 4,013 |
| Noncurrent assets plus other real estate owned to assets | 1.1348% | 1,148 |
| Noncurrent loans to loans | 1.5447% | 965 |
| Net loans and leases to total assets | 72.7927% | 2,038 |
| Net loans and leases to deposits | 82.1454% | 2,668 |
| Net loans and leases to core deposits | 84.3930% | 3,059 |
| Total domestic deposits to total assets | 88.6145% | 777 |
| Equity capital to assets | 10.7775% | 3,312 |
| Core capital (leverage) ratio | 10.5358% | 3,079 |
| Tier 1 risk-based capital ratio | 16.2565% | 2,344 |
| Total risk-based capital ratio | 17.2682% | 2,363 |
| Memoranda: | ||
| Average total assets | $31,666,000 | 5,083 |
| Average earning assets | $30,539,000 | 5,053 |
| Average equity | $3,386,750 | 5,124 |
| Average total loans | $22,352,750 | 4,889 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1591% | 4,024 |
| Cost of funding earning assets | 0.6045% | 3,624 |
| Net interest margin | 3.5547% | 3,420 |
| Noninterest income to average assets | 0.1649% | 4,764 |
| Noninterest expense to average assets | 2.8037% | 2,576 |
| Loan and lease loss provision to assets | 0.0127% | 3,513 |
| Net operating income to assets | 0.5836% | 4,349 |
| Return on assets (ROA) | 0.5836% | 4,387 |
| Pretax return on assets | 0.7802% | 4,137 |
| Return on Equity (ROE) | 5.4708% | 4,212 |
| Retained earnings to average equity (ytd only) | 1.0109% | 4,433 |
| Net charge-offs to loans | -0.0091% | 4,295 |
| Credit loss provision to net charge-offs | -200.0000% | 3,985 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.9541% | 1,159 |
| Assets per employee ($millions) | 4.7113% | 2,864 |
| Cash dividends to net income (ytd only)* | 81.5217% | 791 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9385% | 3,924 |
| Loan loss allowance to noncurrent loans | 327.6923% | 1,447 |
| Noncurrent assets plus other real estate owned to assets | 0.1971% | 3,789 |
| Noncurrent loans to loans | 0.2864% | 3,504 |
| Net loans and leases to total assets | 68.1767% | 2,788 |
| Net loans and leases to deposits | 76.1292% | 3,319 |
| Net loans and leases to core deposits | 78.1318% | 3,569 |
| Total domestic deposits to total assets | 89.5540% | 463 |
| Equity capital to assets | 10.2944% | 3,705 |
| Core capital (leverage) ratio | 10.5784% | 3,001 |
| Tier 1 risk-based capital ratio | 16.6618% | 2,186 |
| Total risk-based capital ratio | 17.7083% | 2,199 |
| Memoranda: | ||
| Average total assets | $31,529,330 | 5,128 |
| Average earning assets | $30,439,000 | 5,094 |
| Average equity | $3,363,330 | 5,163 |
| Average total loans | $21,949,000 | 4,940 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1543% | 3,991 |
| Cost of funding earning assets | 0.6030% | 3,555 |
| Net interest margin | 3.5513% | 3,427 |
| Noninterest income to average assets | 0.1558% | 4,806 |
| Noninterest expense to average assets | 2.8827% | 2,323 |
| Loan and lease loss provision to assets | 0.0130% | 3,268 |
| Net operating income to assets | 0.5194% | 4,463 |
| Return on assets (ROA) | 0.5194% | 4,484 |
| Pretax return on assets | 0.7012% | 4,294 |
| Return on Equity (ROE) | 4.7797% | 4,390 |
| Retained earnings to average equity (ytd only) | -4.1822% | 4,876 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.1444% | 1,054 |
| Assets per employee ($millions) | 4.5719% | 3,088 |
| Cash dividends to net income (ytd only)* | 187.5000% | 214 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9942% | 3,748 |
| Loan loss allowance to noncurrent loans | 602.8571% | 891 |
| Noncurrent assets plus other real estate owned to assets | 0.1094% | 4,258 |
| Noncurrent loans to loans | 0.1649% | 4,009 |
| Net loans and leases to total assets | 65.6595% | 3,104 |
| Net loans and leases to deposits | 73.3976% | 3,496 |
| Net loans and leases to core deposits | 75.3830% | 3,700 |
| Total domestic deposits to total assets | 89.4572% | 663 |
| Equity capital to assets | 10.4178% | 3,399 |
| Core capital (leverage) ratio | 10.5721% | 2,970 |
| Tier 1 risk-based capital ratio | 17.6985% | 1,884 |
| Total risk-based capital ratio | 18.8169% | 1,877 |
| Memoranda: | ||
| Average total assets | $30,804,500 | 5,189 |
| Average earning assets | $29,848,500 | 5,159 |
| Average equity | $3,347,500 | 5,220 |
| Average total loans | $21,575,000 | 5,004 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0174% | 3,972 |
| Cost of funding earning assets | 0.2669% | 4,728 |
| Net interest margin | 3.7506% | 2,855 |
| Noninterest income to average assets | 0.2021% | 4,700 |
| Noninterest expense to average assets | 3.1061% | 1,782 |
| Loan and lease loss provision to assets | 0.0168% | 3,822 |
| Net operating income to assets | 0.5121% | 4,636 |
| Return on assets (ROA) | 0.5121% | 4,634 |
| Pretax return on assets | 0.6772% | 4,470 |
| Return on Equity (ROE) | 4.5988% | 4,561 |
| Retained earnings to average equity (ytd only) | 2.8440% | 3,979 |
| Net charge-offs to loans | -0.0137% | 4,585 |
| Credit loss provision to net charge-offs | -166.6667% | 4,449 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.7376% | 824 |
| Assets per employee ($millions) | 4.2294% | 3,571 |
| Cash dividends to net income (ytd only)* | 38.1579% | 2,626 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9578% | 3,925 |
| Loan loss allowance to noncurrent loans | 205.8824% | 2,187 |
| Noncurrent assets plus other real estate owned to assets | 0.3445% | 3,172 |
| Noncurrent loans to loans | 0.4652% | 2,882 |
| Net loans and leases to total assets | 73.3500% | 2,034 |
| Net loans and leases to deposits | 82.8476% | 2,636 |
| Net loans and leases to core deposits | 85.3013% | 2,972 |
| Total domestic deposits to total assets | 88.5361% | 1,055 |
| Equity capital to assets | 11.3524% | 2,370 |
| Core capital (leverage) ratio | 11.3887% | 2,190 |
| Tier 1 risk-based capital ratio | 17.0569% | 2,046 |
| Total risk-based capital ratio | 18.1188% | 2,058 |
| Memoranda: | ||
| Average total assets | $29,683,200 | 5,246 |
| Average earning assets | $28,475,800 | 5,216 |
| Average equity | $3,305,200 | 5,257 |
| Average total loans | $21,902,600 | 5,030 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9506% | 4,079 |
| Cost of funding earning assets | 0.1874% | 5,063 |
| Net interest margin | 3.7632% | 2,781 |
| Noninterest income to average assets | 0.2155% | 4,680 |
| Noninterest expense to average assets | 2.9851% | 2,052 |
| Loan and lease loss provision to assets | 0.0179% | 3,656 |
| Net operating income to assets | 0.6187% | 4,451 |
| Return on assets (ROA) | 0.6329% | 4,426 |
| Pretax return on assets | 0.8349% | 4,209 |
| Return on Equity (ROE) | 5.7121% | 4,354 |
| Retained earnings to average equity (ytd only) | 3.3622% | 4,072 |
| Net charge-offs to loans | -0.0122% | 4,451 |
| Credit loss provision to net charge-offs | -200.0000% | 4,325 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.1434% | 1,108 |
| Assets per employee ($millions) | 4.2214% | 3,543 |
| Cash dividends to net income (ytd only)* | 41.1330% | 2,005 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9495% | 4,049 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 73.4281% | 2,090 |
| Net loans and leases to deposits | 82.9593% | 2,717 |
| Net loans and leases to core deposits | 84.5794% | 3,110 |
| Total domestic deposits to total assets | 88.5110% | 1,043 |
| Equity capital to assets | 11.3096% | 2,389 |
| Core capital (leverage) ratio | 11.2018% | 2,413 |
| Tier 1 risk-based capital ratio | 17.1242% | 2,054 |
| Total risk-based capital ratio | 18.1837% | 2,083 |
| Memoranda: | ||
| Average total assets | $29,702,500 | 5,312 |
| Average earning assets | $28,450,500 | 5,280 |
| Average equity | $3,291,250 | 5,328 |
| Average total loans | $21,896,750 | 5,094 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8670% | 4,167 |
| Cost of funding earning assets | 0.1748% | 5,130 |
| Net interest margin | 3.6922% | 2,964 |
| Noninterest income to average assets | 0.1680% | 4,985 |
| Noninterest expense to average assets | 2.8837% | 2,396 |
| Loan and lease loss provision to assets | 0.0202% | 3,500 |
| Net operating income to assets | 0.6145% | 4,449 |
| Return on assets (ROA) | 0.6251% | 4,426 |
| Pretax return on assets | 0.8268% | 4,170 |
| Return on Equity (ROE) | 5.6806% | 4,350 |
| Retained earnings to average equity (ytd only) | 2.1378% | 4,417 |
| Net charge-offs to loans | -0.0091% | 4,292 |
| Credit loss provision to net charge-offs | -300.0000% | 4,266 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5769% | 1,235 |
| Assets per employee ($millions) | 4.3806% | 3,307 |
| Cash dividends to net income (ytd only)* | 62.3656% | 1,238 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9512% | 4,111 |
| Loan loss allowance to noncurrent loans | 6,866.6667% | 126 |
| Noncurrent assets plus other real estate owned to assets | 0.0098% | 4,995 |
| Noncurrent loans to loans | 0.0139% | 4,884 |
| Net loans and leases to total assets | 69.9550% | 2,590 |
| Net loans and leases to deposits | 78.4917% | 3,108 |
| Net loans and leases to core deposits | 79.9575% | 3,425 |
| Total domestic deposits to total assets | 89.1241% | 886 |
| Equity capital to assets | 10.7422% | 2,897 |
| Core capital (leverage) ratio | 11.0140% | 2,513 |
| Tier 1 risk-based capital ratio | 17.0886% | 2,071 |
| Total risk-based capital ratio | 18.1509% | 2,076 |
| Memoranda: | ||
| Average total assets | $29,753,330 | 5,376 |
| Average earning assets | $28,601,000 | 5,342 |
| Average equity | $3,274,330 | 5,390 |
| Average total loans | $21,893,670 | 5,151 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8709% | 4,013 |
| Cost of funding earning assets | 0.1714% | 5,157 |
| Net interest margin | 3.6995% | 2,799 |
| Noninterest income to average assets | 0.1365% | 5,183 |
| Noninterest expense to average assets | 2.7579% | 2,850 |
| Loan and lease loss provision to assets | 0.0137% | 3,354 |
| Net operating income to assets | 0.6826% | 4,162 |
| Return on assets (ROA) | 0.6826% | 4,168 |
| Pretax return on assets | 0.9011% | 3,849 |
| Return on Equity (ROE) | 6.1265% | 4,116 |
| Retained earnings to average equity (ytd only) | -0.9802% | 4,910 |
| Net charge-offs to loans | -0.0182% | 4,506 |
| Credit loss provision to net charge-offs | -100.0000% | 3,687 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.0929% | 1,738 |
| Assets per employee ($millions) | 4.1881% | 3,669 |
| Cash dividends to net income (ytd only)* | 116.0000% | 469 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9506% | 4,213 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 72.5074% | 2,092 |
| Net loans and leases to deposits | 81.7011% | 2,622 |
| Net loans and leases to core deposits | 83.3052% | 3,027 |
| Total domestic deposits to total assets | 88.7471% | 1,237 |
| Equity capital to assets | 11.0960% | 2,488 |
| Core capital (leverage) ratio | 11.1444% | 2,288 |
| Tier 1 risk-based capital ratio | 16.9053% | 2,140 |
| Total risk-based capital ratio | 17.9596% | 2,155 |
| Memoranda: | ||
| Average total assets | $29,298,000 | 5,444 |
| Average earning assets | $28,004,000 | 5,414 |
| Average equity | $3,264,500 | 5,447 |
| Average total loans | $22,012,000 | 5,209 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8480% | 3,886 |
| Cost of funding earning assets | 0.1787% | 5,105 |
| Net interest margin | 3.6693% | 2,918 |
| Noninterest income to average assets | 0.1857% | 5,032 |
| Noninterest expense to average assets | 3.0624% | 1,972 |
| Loan and lease loss provision to assets | 0.0175% | 3,947 |
| Net operating income to assets | 0.4030% | 4,682 |
| Return on assets (ROA) | 0.4030% | 4,703 |
| Pretax return on assets | 0.6307% | 4,674 |
| Return on Equity (ROE) | 3.5555% | 4,663 |
| Retained earnings to average equity (ytd only) | 2.0096% | 4,114 |
| Net charge-offs to loans | -0.0090% | 4,758 |
| Credit loss provision to net charge-offs | -250.0000% | 4,843 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.5307% | 887 |
| Assets per employee ($millions) | 4.1827% | 3,684 |
| Cash dividends to net income (ytd only)* | 43.4783% | 2,681 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8953% | 4,492 |
| Loan loss allowance to noncurrent loans | 134.6667% | 3,007 |
| Noncurrent assets plus other real estate owned to assets | 0.5123% | 2,851 |
| Noncurrent loans to loans | 0.6648% | 2,549 |
| Net loans and leases to total assets | 76.3721% | 1,528 |
| Net loans and leases to deposits | 86.1297% | 2,247 |
| Net loans and leases to core deposits | 87.8211% | 2,740 |
| Total domestic deposits to total assets | 88.6711% | 1,162 |
| Equity capital to assets | 11.1889% | 2,439 |
| Core capital (leverage) ratio | 11.5818% | 1,883 |
| Tier 1 risk-based capital ratio | 16.0889% | 2,397 |
| Total risk-based capital ratio | 17.0779% | 2,448 |
| Memoranda: | ||
| Average total assets | $28,539,400 | 5,512 |
| Average earning assets | $27,416,800 | 5,479 |
| Average equity | $3,234,400 | 5,505 |
| Average total loans | $22,323,000 | 5,244 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8479% | 3,838 |
| Cost of funding earning assets | 0.1851% | 5,098 |
| Net interest margin | 3.6628% | 2,906 |
| Noninterest income to average assets | 0.1928% | 5,050 |
| Noninterest expense to average assets | 3.0235% | 2,048 |
| Loan and lease loss provision to assets | 0.0188% | 3,767 |
| Net operating income to assets | 0.4373% | 4,906 |
| Return on assets (ROA) | 0.4373% | 4,937 |
| Pretax return on assets | 0.6865% | 4,642 |
| Return on Equity (ROE) | 3.8462% | 4,903 |
| Retained earnings to average equity (ytd only) | 1.7782% | 4,715 |
| Net charge-offs to loans | -0.0120% | 4,682 |
| Credit loss provision to net charge-offs | -200.0000% | 4,623 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.0845% | 991 |
| Assets per employee ($millions) | 3.8967% | 4,166 |
| Cash dividends to net income (ytd only)* | 53.7661% | 1,596 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9055% | 4,543 |
| Loan loss allowance to noncurrent loans | 4,020.0000% | 194 |
| Noncurrent assets plus other real estate owned to assets | 0.0183% | 5,162 |
| Noncurrent loans to loans | 0.0225% | 5,024 |
| Net loans and leases to total assets | 80.6394% | 896 |
| Net loans and leases to deposits | 91.8145% | 1,593 |
| Net loans and leases to core deposits | 93.7716% | 2,289 |
| Total domestic deposits to total assets | 87.8286% | 1,459 |
| Equity capital to assets | 11.9478% | 1,999 |
| Core capital (leverage) ratio | 11.4631% | 2,047 |
| Tier 1 risk-based capital ratio | 16.0820% | 2,466 |
| Total risk-based capital ratio | 17.0723% | 2,514 |
| Memoranda: | ||
| Average total assets | $28,354,500 | 5,573 |
| Average earning assets | $27,373,500 | 5,537 |
| Average equity | $3,224,000 | 5,569 |
| Average total loans | $22,263,000 | 5,301 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7474% | 4,086 |
| Cost of funding earning assets | 0.1730% | 5,188 |
| Net interest margin | 3.5745% | 3,131 |
| Noninterest income to average assets | 0.1950% | 5,072 |
| Noninterest expense to average assets | 2.9463% | 2,277 |
| Loan and lease loss provision to assets | 0.0209% | 3,563 |
| Net operating income to assets | 0.4319% | 4,892 |
| Return on assets (ROA) | 0.4319% | 4,919 |
| Pretax return on assets | 0.6826% | 4,601 |
| Return on Equity (ROE) | 3.8601% | 4,860 |
| Retained earnings to average equity (ytd only) | 0.7471% | 4,905 |
| Net charge-offs to loans | -0.0090% | 4,496 |
| Credit loss provision to net charge-offs | -300.0000% | 4,549 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.7252% | 1,133 |
| Assets per employee ($millions) | 4.0839% | 3,821 |
| Cash dividends to net income (ytd only)* | 80.6452% | 841 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8767% | 4,729 |
| Loan loss allowance to noncurrent loans | 3,316.6667% | 203 |
| Noncurrent assets plus other real estate owned to assets | 0.0210% | 5,193 |
| Noncurrent loans to loans | 0.0264% | 5,058 |
| Net loans and leases to total assets | 78.7036% | 1,133 |
| Net loans and leases to deposits | 90.2378% | 1,697 |
| Net loans and leases to core deposits | 92.0845% | 2,330 |
| Total domestic deposits to total assets | 87.2180% | 1,848 |
| Equity capital to assets | 11.2883% | 2,504 |
| Core capital (leverage) ratio | 11.1479% | 2,276 |
| Tier 1 risk-based capital ratio | 15.5755% | 2,676 |
| Total risk-based capital ratio | 16.5342% | 2,744 |
| Memoranda: | ||
| Average total assets | $28,713,670 | 5,612 |
| Average earning assets | $27,752,330 | 5,580 |
| Average equity | $3,212,330 | 5,616 |
| Average total loans | $22,285,000 | 5,345 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6743% | 4,187 |
| Cost of funding earning assets | 0.1729% | 5,213 |
| Net interest margin | 3.5014% | 3,271 |
| Noninterest income to average assets | 0.1668% | 5,276 |
| Noninterest expense to average assets | 3.0441% | 2,033 |
| Loan and lease loss provision to assets | 0.0139% | 3,383 |
| Net operating income to assets | 0.3058% | 5,178 |
| Return on assets (ROA) | 0.3058% | 5,198 |
| Pretax return on assets | 0.4865% | 4,993 |
| Return on Equity (ROE) | 2.7457% | 5,165 |
| Retained earnings to average equity (ytd only) | -3.4945% | 5,295 |
| Net charge-offs to loans | -0.0181% | 4,690 |
| Credit loss provision to net charge-offs | -100.0000% | 3,937 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.8824% | 813 |
| Assets per employee ($millions) | 4.2219% | 3,628 |
| Cash dividends to net income (ytd only)* | 227.2727% | 190 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8765% | 4,839 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 75.3900% | 1,513 |
| Net loans and leases to deposits | 84.6826% | 2,199 |
| Net loans and leases to core deposits | 84.6826% | 2,836 |
| Total domestic deposits to total assets | 89.0265% | 1,126 |
| Equity capital to assets | 10.7908% | 2,866 |
| Core capital (leverage) ratio | 11.1285% | 2,252 |
| Tier 1 risk-based capital ratio | 15.7236% | 2,653 |
| Total risk-based capital ratio | 16.6938% | 2,712 |
| Memoranda: | ||
| Average total assets | $28,777,000 | 5,680 |
| Average earning assets | $27,760,500 | 5,645 |
| Average equity | $3,205,000 | 5,680 |
| Average total loans | $22,078,500 | 5,402 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7497% | 4,052 |
| Cost of funding earning assets | 0.1825% | 5,184 |
| Net interest margin | 3.5672% | 3,198 |
| Noninterest income to average assets | 0.2550% | 4,893 |
| Noninterest expense to average assets | 3.0455% | 2,202 |
| Loan and lease loss provision to assets | 0.0180% | 4,021 |
| Net operating income to assets | 0.4025% | 4,936 |
| Return on assets (ROA) | 0.4094% | 4,990 |
| Pretax return on assets | 0.6429% | 4,668 |
| Return on Equity (ROE) | 3.5912% | 4,983 |
| Retained earnings to average equity (ytd only) | 2.0161% | 4,392 |
| Net charge-offs to loans | -0.0095% | 4,930 |
| Credit loss provision to net charge-offs | -250.0000% | 5,036 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.4101% | 1,155 |
| Assets per employee ($millions) | 4.0001% | 3,967 |
| Cash dividends to net income (ytd only)* | 43.8596% | 2,655 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8994% | 4,788 |
| Loan loss allowance to noncurrent loans | 159.8361% | 2,678 |
| Noncurrent assets plus other real estate owned to assets | 0.4357% | 3,521 |
| Noncurrent loans to loans | 0.5627% | 3,152 |
| Net loans and leases to total assets | 76.7294% | 1,403 |
| Net loans and leases to deposits | 86.8502% | 2,069 |
| Net loans and leases to core deposits | 86.8502% | 2,778 |
| Total domestic deposits to total assets | 88.3468% | 1,465 |
| Equity capital to assets | 11.5032% | 2,170 |
| Core capital (leverage) ratio | 11.8193% | 1,709 |
| Tier 1 risk-based capital ratio | 15.7985% | 2,633 |
| Total risk-based capital ratio | 16.7550% | 2,678 |
| Memoranda: | ||
| Average total assets | $27,844,600 | 5,745 |
| Average earning assets | $26,855,800 | 5,708 |
| Average equity | $3,174,400 | 5,738 |
| Average total loans | $21,119,600 | 5,485 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7722% | 4,010 |
| Cost of funding earning assets | 0.1839% | 5,235 |
| Net interest margin | 3.5884% | 3,116 |
| Noninterest income to average assets | 0.2637% | 4,885 |
| Noninterest expense to average assets | 3.0545% | 2,147 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.4271% | 4,942 |
| Return on assets (ROA) | 0.4364% | 4,999 |
| Pretax return on assets | 0.6857% | 4,651 |
| Return on Equity (ROE) | 3.8362% | 4,965 |
| Retained earnings to average equity (ytd only) | 1.7286% | 4,817 |
| Net charge-offs to loans | -0.0127% | 4,860 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.9820% | 1,190 |
| Assets per employee ($millions) | 3.8589% | 4,201 |
| Cash dividends to net income (ytd only)* | 54.9493% | 1,650 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9214% | 4,800 |
| Loan loss allowance to noncurrent loans | 791.6667% | 720 |
| Noncurrent assets plus other real estate owned to assets | 0.0888% | 5,087 |
| Noncurrent loans to loans | 0.1164% | 4,873 |
| Net loans and leases to total assets | 75.6368% | 1,586 |
| Net loans and leases to deposits | 86.0724% | 2,248 |
| Net loans and leases to core deposits | 86.0724% | 2,945 |
| Total domestic deposits to total assets | 87.8758% | 1,465 |
| Equity capital to assets | 11.8503% | 2,219 |
| Core capital (leverage) ratio | 11.5695% | 1,976 |
| Tier 1 risk-based capital ratio | 16.9386% | 2,245 |
| Total risk-based capital ratio | 17.9453% | 2,283 |
| Memoranda: | ||
| Average total assets | $27,805,500 | 5,807 |
| Average earning assets | $26,826,750 | 5,770 |
| Average equity | $3,162,750 | 5,803 |
| Average total loans | $20,979,500 | 5,540 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7009% | 4,298 |
| Cost of funding earning assets | 0.1769% | 5,355 |
| Net interest margin | 3.5239% | 3,395 |
| Noninterest income to average assets | 0.1781% | 5,427 |
| Noninterest expense to average assets | 2.9711% | 2,440 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.3853% | 5,078 |
| Return on assets (ROA) | 0.3990% | 5,114 |
| Pretax return on assets | 0.6341% | 4,805 |
| Return on Equity (ROE) | 3.5556% | 5,075 |
| Retained earnings to average equity (ytd only) | 0.3810% | 5,189 |
| Net charge-offs to loans | -0.0095% | 4,681 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.9026% | 1,162 |
| Assets per employee ($millions) | 4.0281% | 3,853 |
| Cash dividends to net income (ytd only)* | 89.2857% | 698 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8556% | 5,112 |
| Loan loss allowance to noncurrent loans | 129.4521% | 3,158 |
| Noncurrent assets plus other real estate owned to assets | 0.5178% | 3,486 |
| Noncurrent loans to loans | 0.6609% | 3,089 |
| Net loans and leases to total assets | 77.6714% | 1,243 |
| Net loans and leases to deposits | 90.4066% | 1,705 |
| Net loans and leases to core deposits | 90.4066% | 2,500 |
| Total domestic deposits to total assets | 85.9134% | 2,465 |
| Equity capital to assets | 11.2352% | 2,813 |
| Core capital (leverage) ratio | 11.2080% | 2,227 |
| Tier 1 risk-based capital ratio | 15.4489% | 2,880 |
| Total risk-based capital ratio | 16.3720% | 2,953 |
| Memoranda: | ||
| Average total assets | $28,070,000 | 5,878 |
| Average earning assets | $27,128,670 | 5,839 |
| Average equity | $3,150,000 | 5,873 |
| Average total loans | $21,099,000 | 5,593 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6451% | 4,488 |
| Cost of funding earning assets | 0.1778% | 5,389 |
| Net interest margin | 3.4672% | 3,596 |
| Noninterest income to average assets | 0.1714% | 5,463 |
| Noninterest expense to average assets | 3.0136% | 2,350 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.3154% | 5,257 |
| Return on assets (ROA) | 0.3428% | 5,257 |
| Pretax return on assets | 0.5427% | 4,971 |
| Return on Equity (ROE) | 3.0564% | 5,211 |
| Retained earnings to average equity (ytd only) | -3.3110% | 5,502 |
| Net charge-offs to loans | -0.0194% | 4,835 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.7724% | 996 |
| Assets per employee ($millions) | 4.1099% | 3,745 |
| Cash dividends to net income (ytd only)* | 208.3333% | 237 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8983% | 5,058 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 72.4738% | 1,951 |
| Net loans and leases to deposits | 81.3944% | 2,616 |
| Net loans and leases to core deposits | 81.3944% | 3,188 |
| Total domestic deposits to total assets | 89.0403% | 1,078 |
| Equity capital to assets | 10.8832% | 3,065 |
| Core capital (leverage) ratio | 11.2162% | 2,211 |
| Tier 1 risk-based capital ratio | 15.9142% | 2,723 |
| Total risk-based capital ratio | 16.8751% | 2,783 |
| Memoranda: | ||
| Average total assets | $28,006,500 | 5,943 |
| Average earning assets | $26,995,500 | 5,899 |
| Average equity | $3,141,000 | 5,930 |
| Average total loans | $20,603,500 | 5,661 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6653% | 4,471 |
| Cost of funding earning assets | 0.1844% | 5,407 |
| Net interest margin | 3.4810% | 3,593 |
| Noninterest income to average assets | 0.1745% | 5,541 |
| Noninterest expense to average assets | 3.0893% | 2,272 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.2908% | 5,386 |
| Return on assets (ROA) | 0.2908% | 5,470 |
| Pretax return on assets | 0.4470% | 5,232 |
| Return on Equity (ROE) | 2.5561% | 5,440 |
| Retained earnings to average equity (ytd only) | 0.5432% | 5,300 |
| Net charge-offs to loans | 0.0512% | 3,176 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 12.3000% | 2,481 |
| Efficiency ratio | 87.3587% | 882 |
| Assets per employee ($millions) | 3.8920% | 4,131 |
| Cash dividends to net income (ytd only)* | 78.7500% | 907 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9322% | 4,959 |
| Loan loss allowance to noncurrent loans | 1,175.0000% | 523 |
| Noncurrent assets plus other real estate owned to assets | 0.0587% | 5,424 |
| Noncurrent loans to loans | 0.0793% | 5,188 |
| Net loans and leases to total assets | 73.3372% | 1,837 |
| Net loans and leases to deposits | 83.8897% | 2,373 |
| Net loans and leases to core deposits | 83.8897% | 2,976 |
| Total domestic deposits to total assets | 87.4211% | 1,915 |
| Equity capital to assets | 11.5658% | 2,309 |
| Core capital (leverage) ratio | 11.6552% | 1,843 |
| Tier 1 risk-based capital ratio | 16.4504% | 2,507 |
| Total risk-based capital ratio | 17.4303% | 2,567 |
| Memoranda: | ||
| Average total assets | $27,514,200 | 5,997 |
| Average earning assets | $26,573,200 | 5,959 |
| Average equity | $3,129,800 | 5,983 |
| Average total loans | $19,548,800 | 5,739 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6215% | 4,665 |
| Cost of funding earning assets | 0.1846% | 5,506 |
| Net interest margin | 3.4369% | 3,809 |
| Noninterest income to average assets | 0.1692% | 5,632 |
| Noninterest expense to average assets | 3.0357% | 2,410 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.2997% | 5,451 |
| Return on assets (ROA) | 0.2997% | 5,532 |
| Pretax return on assets | 0.4640% | 5,308 |
| Return on Equity (ROE) | 2.6455% | 5,501 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,590 |
| Net charge-offs to loans | 0.0756% | 2,482 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 8.7253% | 2,775 |
| Efficiency ratio | 86.7403% | 956 |
| Assets per employee ($millions) | 3.8200% | 4,226 |
| Cash dividends to net income (ytd only)* | 100.0000% | 376 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9373% | 5,032 |
| Loan loss allowance to noncurrent loans | 3,740.0000% | 201 |
| Noncurrent assets plus other real estate owned to assets | 0.0187% | 5,722 |
| Noncurrent loans to loans | 0.0251% | 5,536 |
| Net loans and leases to total assets | 73.9117% | 1,750 |
| Net loans and leases to deposits | 83.9093% | 2,419 |
| Net loans and leases to core deposits | 83.9093% | 3,051 |
| Total domestic deposits to total assets | 88.0853% | 1,514 |
| Equity capital to assets | 11.7614% | 2,298 |
| Core capital (leverage) ratio | 11.4412% | 2,089 |
| Tier 1 risk-based capital ratio | 16.5550% | 2,545 |
| Total risk-based capital ratio | 17.5413% | 2,626 |
| Memoranda: | ||
| Average total assets | $27,581,750 | 6,080 |
| Average earning assets | $26,728,500 | 6,037 |
| Average equity | $3,124,500 | 6,069 |
| Average total loans | $19,394,000 | 5,817 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5234% | 4,926 |
| Cost of funding earning assets | 0.1777% | 5,631 |
| Net interest margin | 3.3458% | 4,120 |
| Noninterest income to average assets | 0.1651% | 5,712 |
| Noninterest expense to average assets | 2.9502% | 2,719 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.2943% | 5,450 |
| Return on assets (ROA) | 0.2943% | 5,551 |
| Pretax return on assets | 0.4594% | 5,331 |
| Return on Equity (ROE) | 2.6302% | 5,522 |
| Retained earnings to average equity (ytd only) | -1.3472% | 5,748 |
| Net charge-offs to loans | 0.1145% | 1,861 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 5.8182% | 2,881 |
| Efficiency ratio | 86.5263% | 1,022 |
| Assets per employee ($millions) | 4.0059% | 3,875 |
| Cash dividends to net income (ytd only)* | 151.2195% | 186 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9079% | 5,273 |
| Loan loss allowance to noncurrent loans | 118.3544% | 3,310 |
| Noncurrent assets plus other real estate owned to assets | 0.5635% | 3,727 |
| Noncurrent loans to loans | 0.7671% | 3,191 |
| Net loans and leases to total assets | 72.7827% | 1,848 |
| Net loans and leases to deposits | 81.9540% | 2,560 |
| Net loans and leases to core deposits | 81.9540% | 3,185 |
| Total domestic deposits to total assets | 88.8092% | 1,243 |
| Equity capital to assets | 11.1373% | 2,734 |
| Core capital (leverage) ratio | 10.9331% | 2,495 |
| Tier 1 risk-based capital ratio | 16.4782% | 2,620 |
| Total risk-based capital ratio | 17.4664% | 2,702 |
| Memoranda: | ||
| Average total assets | $27,862,330 | 6,146 |
| Average earning assets | $27,019,330 | 6,099 |
| Average equity | $3,117,670 | 6,129 |
| Average total loans | $19,208,330 | 5,883 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3693% | 5,283 |
| Cost of funding earning assets | 0.1781% | 5,693 |
| Net interest margin | 3.1912% | 4,642 |
| Noninterest income to average assets | 0.1584% | 5,792 |
| Noninterest expense to average assets | 2.9381% | 2,779 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.2016% | 5,685 |
| Return on assets (ROA) | 0.2016% | 5,772 |
| Pretax return on assets | 0.3169% | 5,613 |
| Return on Equity (ROE) | 1.7978% | 5,729 |
| Retained earnings to average equity (ytd only) | -6.1637% | 5,996 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.2655% | 832 |
| Assets per employee ($millions) | 4.0416% | 3,875 |
| Cash dividends to net income (ytd only)* | 442.8571% | 38 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0614% | 4,702 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 65.2363% | 2,893 |
| Net loans and leases to deposits | 73.3487% | 3,389 |
| Net loans and leases to core deposits | 73.3487% | 3,842 |
| Total domestic deposits to total assets | 88.9399% | 1,311 |
| Equity capital to assets | 10.9469% | 3,033 |
| Core capital (leverage) ratio | 10.9088% | 2,507 |
| Tier 1 risk-based capital ratio | 18.4692% | 2,014 |
| Total risk-based capital ratio | 19.6522% | 1,983 |
| Memoranda: | ||
| Average total assets | $27,773,000 | 6,213 |
| Average earning assets | $26,949,500 | 6,161 |
| Average equity | $3,115,000 | 6,188 |
| Average total loans | $18,514,500 | 5,956 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7420% | 4,670 |
| Cost of funding earning assets | 0.1973% | 5,767 |
| Net interest margin | 3.5446% | 3,620 |
| Noninterest income to average assets | 0.2044% | 5,636 |
| Noninterest expense to average assets | 2.8611% | 3,261 |
| Loan and lease loss provision to assets | 0.0282% | 4,042 |
| Net operating income to assets | 0.4686% | 4,927 |
| Return on assets (ROA) | 0.4686% | 5,032 |
| Pretax return on assets | 0.7329% | 4,500 |
| Return on Equity (ROE) | 4.3092% | 4,976 |
| Retained earnings to average equity (ytd only) | 2.3004% | 4,597 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.9883% | 2,066 |
| Assets per employee ($millions) | 3.8936% | 4,183 |
| Cash dividends to net income (ytd only)* | 46.6165% | 2,483 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0776% | 4,653 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 66.6924% | 2,768 |
| Net loans and leases to deposits | 75.4577% | 3,264 |
| Net loans and leases to core deposits | 75.4577% | 3,771 |
| Total domestic deposits to total assets | 88.3838% | 1,577 |
| Equity capital to assets | 11.4951% | 2,432 |
| Core capital (leverage) ratio | 11.3678% | 2,075 |
| Tier 1 risk-based capital ratio | 18.3675% | 2,029 |
| Total risk-based capital ratio | 19.5260% | 2,017 |
| Memoranda: | ||
| Average total assets | $28,380,400 | 6,282 |
| Average earning assets | $27,365,400 | 6,232 |
| Average equity | $3,086,400 | 6,254 |
| Average total loans | $19,865,000 | 5,965 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7783% | 4,626 |
| Cost of funding earning assets | 0.2027% | 5,804 |
| Net interest margin | 3.5757% | 3,528 |
| Noninterest income to average assets | 0.2093% | 5,680 |
| Noninterest expense to average assets | 2.7911% | 3,495 |
| Loan and lease loss provision to assets | 0.0326% | 3,756 |
| Net operating income to assets | 0.5303% | 4,760 |
| Return on assets (ROA) | 0.5303% | 4,833 |
| Pretax return on assets | 0.8327% | 4,248 |
| Return on Equity (ROE) | 4.9435% | 4,740 |
| Retained earnings to average equity (ytd only) | 2.2548% | 4,932 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.3359% | 2,436 |
| Assets per employee ($millions) | 3.9551% | 3,970 |
| Cash dividends to net income (ytd only)* | 54.3816% | 1,632 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0126% | 5,155 |
| Loan loss allowance to noncurrent loans | 339.6552% | 1,372 |
| Noncurrent assets plus other real estate owned to assets | 0.2095% | 5,385 |
| Noncurrent loans to loans | 0.2981% | 5,010 |
| Net loans and leases to total assets | 69.5550% | 2,266 |
| Net loans and leases to deposits | 78.5840% | 2,885 |
| Net loans and leases to core deposits | 79.4038% | 3,389 |
| Total domestic deposits to total assets | 88.5104% | 1,494 |
| Equity capital to assets | 11.2512% | 2,701 |
| Core capital (leverage) ratio | 10.7601% | 2,744 |
| Tier 1 risk-based capital ratio | 17.4370% | 2,420 |
| Total risk-based capital ratio | 18.5380% | 2,440 |
| Memoranda: | ||
| Average total assets | $28,661,750 | 6,347 |
| Average earning assets | $27,630,500 | 6,301 |
| Average equity | $3,074,750 | 6,325 |
| Average total loans | $20,237,500 | 6,019 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7294% | 4,768 |
| Cost of funding earning assets | 0.2004% | 5,910 |
| Net interest margin | 3.5289% | 3,662 |
| Noninterest income to average assets | 0.2277% | 5,578 |
| Noninterest expense to average assets | 2.7392% | 3,732 |
| Loan and lease loss provision to assets | 0.0483% | 3,342 |
| Net operating income to assets | 0.5382% | 4,657 |
| Return on assets (ROA) | 0.5382% | 4,753 |
| Pretax return on assets | 0.8418% | 4,115 |
| Return on Equity (ROE) | 5.0958% | 4,630 |
| Retained earnings to average equity (ytd only) | 1.0453% | 5,342 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4753% | 2,729 |
| Assets per employee ($millions) | 4.1784% | 3,499 |
| Cash dividends to net income (ytd only)* | 79.4872% | 917 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9618% | 5,515 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 69.3562% | 2,179 |
| Net loans and leases to deposits | 77.6735% | 2,841 |
| Net loans and leases to core deposits | 78.4333% | 3,386 |
| Total domestic deposits to total assets | 89.2919% | 1,205 |
| Equity capital to assets | 10.5371% | 3,399 |
| Core capital (leverage) ratio | 10.4284% | 3,047 |
| Tier 1 risk-based capital ratio | 16.2778% | 2,938 |
| Total risk-based capital ratio | 17.3176% | 2,994 |
| Memoranda: | ||
| Average total assets | $28,987,000 | 6,403 |
| Average earning assets | $27,940,330 | 6,355 |
| Average equity | $3,061,330 | 6,379 |
| Average total loans | $20,498,670 | 6,059 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7731% | 4,596 |
| Cost of funding earning assets | 0.2016% | 5,978 |
| Net interest margin | 3.5715% | 3,382 |
| Noninterest income to average assets | 0.1525% | 6,057 |
| Noninterest expense to average assets | 2.7585% | 3,720 |
| Loan and lease loss provision to assets | 0.0416% | 3,259 |
| Net operating income to assets | 0.4990% | 4,700 |
| Return on assets (ROA) | 0.4990% | 4,780 |
| Pretax return on assets | 0.7901% | 4,146 |
| Return on Equity (ROE) | 4.7198% | 4,682 |
| Retained earnings to average equity (ytd only) | -3.4087% | 6,006 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8340% | 2,668 |
| Assets per employee ($millions) | 4.2549% | 3,428 |
| Cash dividends to net income (ytd only)* | 172.2222% | 315 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9332% | 5,763 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0504% | 6,126 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 68.7886% | 2,095 |
| Net loans and leases to deposits | 76.7341% | 2,722 |
| Net loans and leases to core deposits | 77.4681% | 3,254 |
| Total domestic deposits to total assets | 89.6454% | 1,281 |
| Equity capital to assets | 10.1833% | 3,617 |
| Core capital (leverage) ratio | 10.4135% | 3,028 |
| Tier 1 risk-based capital ratio | 15.8413% | 3,252 |
| Total risk-based capital ratio | 16.8463% | 3,347 |
| Memoranda: | ||
| Average total assets | $28,856,000 | 6,472 |
| Average earning assets | $27,775,500 | 6,425 |
| Average equity | $3,051,000 | 6,437 |
| Average total loans | $20,506,500 | 6,116 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9039% | 4,447 |
| Cost of funding earning assets | 0.2578% | 5,923 |
| Net interest margin | 3.6461% | 3,259 |
| Noninterest income to average assets | 0.1801% | 6,007 |
| Noninterest expense to average assets | 2.9204% | 3,310 |
| Loan and lease loss provision to assets | 0.0706% | 3,709 |
| Net operating income to assets | 0.4356% | 5,011 |
| Return on assets (ROA) | 0.4379% | 5,123 |
| Pretax return on assets | 0.6886% | 4,586 |
| Return on Equity (ROE) | 4.1136% | 5,052 |
| Retained earnings to average equity (ytd only) | 4.1136% | 3,248 |
| Net charge-offs to loans | 0.0361% | 4,726 |
| Credit loss provision to net charge-offs | 285.7143% | 788 |
| Earnings coverage of net charge-offs (x) | 30.5714% | 1,168 |
| Efficiency ratio | 79.4428% | 2,250 |
| Assets per employee ($millions) | 3.9897% | 3,886 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9345% | 5,812 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0537% | 6,207 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 72.1212% | 1,661 |
| Net loans and leases to deposits | 81.1360% | 2,306 |
| Net loans and leases to core deposits | 81.9647% | 2,899 |
| Total domestic deposits to total assets | 88.8893% | 1,702 |
| Equity capital to assets | 10.9890% | 2,621 |
| Core capital (leverage) ratio | 10.8165% | 2,558 |
| Tier 1 risk-based capital ratio | 16.4398% | 2,884 |
| Total risk-based capital ratio | 17.4579% | 2,958 |
| Memoranda: | ||
| Average total assets | $28,317,800 | 6,555 |
| Average earning assets | $27,152,600 | 6,504 |
| Average equity | $3,014,400 | 6,528 |
| Average total loans | $19,416,800 | 6,232 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8441% | 4,681 |
| Cost of funding earning assets | 0.2641% | 5,996 |
| Net interest margin | 3.5800% | 3,534 |
| Noninterest income to average assets | 0.1877% | 6,069 |
| Noninterest expense to average assets | 2.8529% | 3,476 |
| Loan and lease loss provision to assets | 0.0704% | 3,657 |
| Net operating income to assets | 0.4474% | 5,035 |
| Return on assets (ROA) | 0.4505% | 5,161 |
| Pretax return on assets | 0.7038% | 4,676 |
| Return on Equity (ROE) | 4.2656% | 5,090 |
| Retained earnings to average equity (ytd only) | 4.2656% | 3,643 |
| Net charge-offs to loans | 0.0486% | 4,208 |
| Credit loss provision to net charge-offs | 214.2857% | 1,131 |
| Earnings coverage of net charge-offs (x) | 23.4362% | 1,465 |
| Efficiency ratio | 78.7565% | 2,301 |
| Assets per employee ($millions) | 4.0394% | 3,758 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9177% | 6,015 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0354% | 6,368 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 70.6394% | 1,845 |
| Net loans and leases to deposits | 79.2808% | 2,510 |
| Net loans and leases to core deposits | 80.0754% | 3,125 |
| Total domestic deposits to total assets | 89.1003% | 1,508 |
| Equity capital to assets | 10.7653% | 2,996 |
| Core capital (leverage) ratio | 10.5835% | 2,913 |
| Tier 1 risk-based capital ratio | 16.4085% | 2,983 |
| Total risk-based capital ratio | 17.4070% | 3,059 |
| Memoranda: | ||
| Average total assets | $28,415,250 | 6,628 |
| Average earning assets | $27,261,750 | 6,575 |
| Average equity | $3,000,750 | 6,604 |
| Average total loans | $19,188,000 | 6,308 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7799% | 4,894 |
| Cost of funding earning assets | 0.2716% | 6,038 |
| Net interest margin | 3.5083% | 3,747 |
| Noninterest income to average assets | 0.1968% | 6,028 |
| Noninterest expense to average assets | 2.7897% | 3,708 |
| Loan and lease loss provision to assets | 0.0703% | 3,630 |
| Net operating income to assets | 0.4427% | 5,050 |
| Return on assets (ROA) | 0.4427% | 5,213 |
| Pretax return on assets | 0.6957% | 4,695 |
| Return on Equity (ROE) | 4.2192% | 5,125 |
| Retained earnings to average equity (ytd only) | 4.2192% | 3,610 |
| Net charge-offs to loans | 0.0848% | 3,519 |
| Credit loss provision to net charge-offs | 125.0000% | 1,800 |
| Earnings coverage of net charge-offs (x) | 13.6250% | 1,887 |
| Efficiency ratio | 78.4585% | 2,385 |
| Assets per employee ($millions) | 4.0176% | 3,761 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9078% | 6,111 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0356% | 6,412 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 69.4734% | 1,980 |
| Net loans and leases to deposits | 78.3212% | 2,528 |
| Net loans and leases to core deposits | 78.3212% | 3,248 |
| Total domestic deposits to total assets | 88.7032% | 1,778 |
| Equity capital to assets | 10.6959% | 3,062 |
| Core capital (leverage) ratio | 10.4752% | 2,910 |
| Tier 1 risk-based capital ratio | 16.6078% | 2,885 |
| Total risk-based capital ratio | 17.5964% | 2,973 |
| Memoranda: | ||
| Average total assets | $28,461,670 | 6,681 |
| Average earning assets | $27,249,670 | 6,625 |
| Average equity | $2,986,330 | 6,659 |
| Average total loans | $18,864,330 | 6,360 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6587% | 5,290 |
| Cost of funding earning assets | 0.2939% | 6,016 |
| Net interest margin | 3.3648% | 4,253 |
| Noninterest income to average assets | 0.1956% | 6,076 |
| Noninterest expense to average assets | 2.7383% | 3,921 |
| Loan and lease loss provision to assets | 0.0699% | 3,467 |
| Net operating income to assets | 0.3772% | 5,225 |
| Return on assets (ROA) | 0.3772% | 5,362 |
| Pretax return on assets | 0.5868% | 4,997 |
| Return on Equity (ROE) | 3.6296% | 5,284 |
| Retained earnings to average equity (ytd only) | 3.6296% | 4,067 |
| Net charge-offs to loans | 0.1736% | 2,359 |
| Credit loss provision to net charge-offs | 62.5000% | 2,403 |
| Earnings coverage of net charge-offs (x) | 5.8750% | 2,311 |
| Efficiency ratio | 80.6584% | 2,228 |
| Assets per employee ($millions) | 4.1430% | 3,642 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9471% | 6,143 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0345% | 6,505 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 62.7496% | 2,928 |
| Net loans and leases to deposits | 70.1191% | 3,464 |
| Net loans and leases to core deposits | 70.1191% | 4,069 |
| Total domestic deposits to total assets | 89.4900% | 1,360 |
| Equity capital to assets | 10.2996% | 3,798 |
| Core capital (leverage) ratio | 10.3346% | 2,989 |
| Tier 1 risk-based capital ratio | 17.7278% | 2,475 |
| Total risk-based capital ratio | 18.7660% | 2,517 |
| Memoranda: | ||
| Average total assets | $28,631,000 | 6,745 |
| Average earning assets | $27,223,000 | 6,688 |
| Average equity | $2,975,500 | 6,731 |
| Average total loans | $18,438,000 | 6,431 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4311% | 3,698 |
| Cost of funding earning assets | 0.4349% | 5,684 |
| Net interest margin | 3.9962% | 2,400 |
| Noninterest income to average assets | 0.2461% | 5,696 |
| Noninterest expense to average assets | 2.8566% | 3,825 |
| Loan and lease loss provision to assets | 0.0186% | 5,672 |
| Net operating income to assets | 0.7608% | 3,464 |
| Return on assets (ROA) | 0.7608% | 3,703 |
| Pretax return on assets | 1.1747% | 2,889 |
| Return on Equity (ROE) | 6.6947% | 3,818 |
| Retained earnings to average equity (ytd only) | -3.1504% | 6,272 |
| Net charge-offs to loans | 0.0844% | 4,836 |
| Credit loss provision to net charge-offs | 31.2500% | 5,098 |
| Earnings coverage of net charge-offs (x) | 20.0000% | 1,369 |
| Efficiency ratio | 70.5341% | 3,700 |
| Assets per employee ($millions) | 4.0373% | 3,876 |
| Cash dividends to net income (ytd only)* | 147.0588% | 223 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9565% | 6,108 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0248% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 64.8491% | 2,747 |
| Net loans and leases to deposits | 72.6800% | 3,302 |
| Net loans and leases to core deposits | 72.6800% | 3,954 |
| Total domestic deposits to total assets | 89.2254% | 1,422 |
| Equity capital to assets | 10.4880% | 3,540 |
| Core capital (leverage) ratio | 10.6808% | 2,566 |
| Tier 1 risk-based capital ratio | 17.1734% | 2,575 |
| Total risk-based capital ratio | 18.2062% | 2,636 |
| Memoranda: | ||
| Average total assets | $26,815,400 | 6,827 |
| Average earning assets | $25,524,000 | 6,768 |
| Average equity | $3,047,200 | 6,773 |
| Average total loans | $18,954,400 | 6,467 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4848% | 3,698 |
| Cost of funding earning assets | 0.4580% | 5,735 |
| Net interest margin | 4.0268% | 2,392 |
| Noninterest income to average assets | 0.2722% | 5,609 |
| Noninterest expense to average assets | 2.8527% | 3,785 |
| Loan and lease loss provision to assets | 0.0252% | 5,471 |
| Net operating income to assets | 0.7963% | 3,472 |
| Return on assets (ROA) | 0.7963% | 3,710 |
| Pretax return on assets | 1.2499% | 2,790 |
| Return on Equity (ROE) | 6.8664% | 3,878 |
| Retained earnings to average equity (ytd only) | 2.5205% | 5,057 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1087% | 3,863 |
| Assets per employee ($millions) | 3.8619% | 4,172 |
| Cash dividends to net income (ytd only)* | 63.2916% | 1,153 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9918% | 6,115 |
| Loan loss allowance to noncurrent loans | 386.0000% | 971 |
| Noncurrent assets plus other real estate owned to assets | 0.1850% | 6,246 |
| Noncurrent loans to loans | 0.2569% | 5,977 |
| Net loans and leases to total assets | 71.2721% | 1,680 |
| Net loans and leases to deposits | 81.0014% | 2,249 |
| Net loans and leases to core deposits | 81.0014% | 3,088 |
| Total domestic deposits to total assets | 87.9888% | 2,050 |
| Equity capital to assets | 11.5525% | 2,702 |
| Core capital (leverage) ratio | 11.3868% | 2,063 |
| Tier 1 risk-based capital ratio | 17.3801% | 2,585 |
| Total risk-based capital ratio | 18.4628% | 2,598 |
| Memoranda: | ||
| Average total assets | $26,454,000 | 6,918 |
| Average earning assets | $25,329,500 | 6,864 |
| Average equity | $3,068,000 | 6,859 |
| Average total loans | $19,067,000 | 6,545 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4811% | 3,851 |
| Cost of funding earning assets | 0.4767% | 5,785 |
| Net interest margin | 4.0043% | 2,488 |
| Noninterest income to average assets | 0.3123% | 5,316 |
| Noninterest expense to average assets | 2.8559% | 3,795 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.8225% | 3,288 |
| Return on assets (ROA) | 0.8225% | 3,545 |
| Pretax return on assets | 1.2947% | 2,573 |
| Return on Equity (ROE) | 7.0827% | 3,735 |
| Retained earnings to average equity (ytd only) | 0.5246% | 5,860 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8073% | 3,974 |
| Assets per employee ($millions) | 3.8649% | 4,155 |
| Cash dividends to net income (ytd only)* | 92.5926% | 550 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9596% | 6,296 |
| Loan loss allowance to noncurrent loans | 817.3913% | 486 |
| Noncurrent assets plus other real estate owned to assets | 0.0850% | 6,595 |
| Noncurrent loans to loans | 0.1174% | 6,367 |
| Net loans and leases to total assets | 71.7195% | 1,601 |
| Net loans and leases to deposits | 81.2964% | 2,194 |
| Net loans and leases to core deposits | 81.2964% | 3,048 |
| Total domestic deposits to total assets | 88.2199% | 2,011 |
| Equity capital to assets | 11.3662% | 2,725 |
| Core capital (leverage) ratio | 11.2981% | 2,048 |
| Tier 1 risk-based capital ratio | 16.8827% | 2,725 |
| Total risk-based capital ratio | 17.9240% | 2,770 |
| Memoranda: | ||
| Average total assets | $26,261,000 | 6,980 |
| Average earning assets | $25,172,670 | 6,922 |
| Average equity | $3,049,670 | 6,903 |
| Average total loans | $18,936,000 | 6,604 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5045% | 3,889 |
| Cost of funding earning assets | 0.5023% | 5,802 |
| Net interest margin | 4.0022% | 2,496 |
| Noninterest income to average assets | 0.1701% | 6,358 |
| Noninterest expense to average assets | 2.9693% | 3,392 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.6650% | 4,051 |
| Return on assets (ROA) | 0.6650% | 4,267 |
| Pretax return on assets | 1.0207% | 3,605 |
| Return on Equity (ROE) | 5.6635% | 4,471 |
| Retained earnings to average equity (ytd only) | -7.5074% | 6,738 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4186% | 3,031 |
| Assets per employee ($millions) | 3.8486% | 4,324 |
| Cash dividends to net income (ytd only)* | 232.5581% | 122 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9937% | 6,275 |
| Loan loss allowance to noncurrent loans | 537.1429% | 647 |
| Noncurrent assets plus other real estate owned to assets | 0.6088% | 5,369 |
| Noncurrent loans to loans | 0.1850% | 6,315 |
| Net loans and leases to total assets | 69.5323% | 1,831 |
| Net loans and leases to deposits | 78.5606% | 2,405 |
| Net loans and leases to core deposits | 78.5606% | 3,251 |
| Total domestic deposits to total assets | 88.5078% | 2,009 |
| Equity capital to assets | 11.1656% | 2,741 |
| Core capital (leverage) ratio | 11.3795% | 1,980 |
| Tier 1 risk-based capital ratio | 16.7764% | 2,770 |
| Total risk-based capital ratio | 17.8340% | 2,833 |
| Memoranda: | ||
| Average total assets | $25,864,500 | 7,053 |
| Average earning assets | $24,686,500 | 6,997 |
| Average equity | $3,037,000 | 6,956 |
| Average total loans | $18,608,500 | 6,681 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8625% | 3,532 |
| Cost of funding earning assets | 0.6916% | 5,596 |
| Net interest margin | 4.1709% | 2,151 |
| Noninterest income to average assets | 0.2059% | 6,034 |
| Noninterest expense to average assets | 3.0283% | 3,489 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.7108% | 3,435 |
| Return on assets (ROA) | 0.7187% | 3,569 |
| Pretax return on assets | 1.1104% | 2,798 |
| Return on Equity (ROE) | 5.9215% | 3,908 |
| Retained earnings to average equity (ytd only) | -0.7319% | 5,969 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3855% | 3,327 |
| Assets per employee ($millions) | 3.0986% | 5,899 |
| Cash dividends to net income (ytd only)* | 112.3596% | 241 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0275% | 6,084 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4881% | 5,749 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 73.0526% | 1,443 |
| Net loans and leases to deposits | 83.7682% | 1,955 |
| Net loans and leases to core deposits | 83.7682% | 2,920 |
| Total domestic deposits to total assets | 87.2080% | 2,641 |
| Equity capital to assets | 12.3684% | 1,874 |
| Core capital (leverage) ratio | 12.2833% | 1,450 |
| Tier 1 risk-based capital ratio | 17.6471% | 2,322 |
| Total risk-based capital ratio | 18.7387% | 2,354 |
| Memoranda: | ||
| Average total assets | $24,766,400 | 7,109 |
| Average earning assets | $23,280,200 | 7,069 |
| Average equity | $3,006,000 | 7,008 |
| Average total loans | $18,079,800 | 6,748 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8493% | 3,785 |
| Cost of funding earning assets | 0.7403% | 5,519 |
| Net interest margin | 4.1090% | 2,437 |
| Noninterest income to average assets | 0.2100% | 6,112 |
| Noninterest expense to average assets | 2.9777% | 3,644 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.7054% | 3,590 |
| Return on assets (ROA) | 0.7054% | 3,756 |
| Pretax return on assets | 1.0877% | 3,063 |
| Return on Equity (ROE) | 5.8395% | 4,097 |
| Retained earnings to average equity (ytd only) | -3.0759% | 6,427 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2450% | 3,326 |
| Assets per employee ($millions) | 3.5563% | 4,865 |
| Cash dividends to net income (ytd only)* | 152.6738% | 108 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0176% | 6,177 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4620% | 5,933 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 73.4555% | 1,417 |
| Net loans and leases to deposits | 85.9789% | 1,693 |
| Net loans and leases to core deposits | 85.9789% | 2,771 |
| Total domestic deposits to total assets | 85.4342% | 3,538 |
| Equity capital to assets | 12.1596% | 2,138 |
| Core capital (leverage) ratio | 11.9848% | 1,715 |
| Tier 1 risk-based capital ratio | 17.1510% | 2,585 |
| Total risk-based capital ratio | 18.2287% | 2,613 |
| Memoranda: | ||
| Average total assets | $24,760,750 | 7,180 |
| Average earning assets | $23,233,000 | 7,143 |
| Average equity | $2,991,000 | 7,073 |
| Average total loans | $18,025,500 | 6,819 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8812% | 3,701 |
| Cost of funding earning assets | 0.7831% | 5,491 |
| Net interest margin | 4.0981% | 2,414 |
| Noninterest income to average assets | 0.2104% | 6,158 |
| Noninterest expense to average assets | 3.0344% | 3,509 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.6393% | 3,865 |
| Return on assets (ROA) | 0.6393% | 3,989 |
| Pretax return on assets | 0.9872% | 3,283 |
| Return on Equity (ROE) | 5.3038% | 4,307 |
| Retained earnings to average equity (ytd only) | -8.1235% | 6,782 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4527% | 3,109 |
| Assets per employee ($millions) | 3.5889% | 4,720 |
| Cash dividends to net income (ytd only)* | 253.1646% | 63 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0579% | 6,108 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3583% | 6,237 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 69.9904% | 2,220 |
| Net loans and leases to deposits | 79.6187% | 2,862 |
| Net loans and leases to core deposits | 79.6187% | 3,845 |
| Total domestic deposits to total assets | 87.9070% | 2,203 |
| Equity capital to assets | 11.8143% | 2,231 |
| Core capital (leverage) ratio | 11.6773% | 1,793 |
| Tier 1 risk-based capital ratio | 17.6312% | 2,297 |
| Total risk-based capital ratio | 18.7586% | 2,307 |
| Memoranda: | ||
| Average total assets | $24,716,330 | 7,247 |
| Average earning assets | $22,986,000 | 7,216 |
| Average equity | $2,979,000 | 7,135 |
| Average total loans | $17,876,000 | 6,898 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9357% | 3,381 |
| Cost of funding earning assets | 0.8255% | 5,424 |
| Net interest margin | 4.1101% | 2,228 |
| Noninterest income to average assets | 0.2121% | 6,216 |
| Noninterest expense to average assets | 3.0514% | 3,454 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.6364% | 3,828 |
| Return on assets (ROA) | 0.6364% | 3,899 |
| Pretax return on assets | 0.9791% | 3,206 |
| Return on Equity (ROE) | 5.2270% | 4,279 |
| Retained earnings to average equity (ytd only) | -21.5782% | 7,181 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7085% | 3,206 |
| Assets per employee ($millions) | 3.5860% | 4,785 |
| Cash dividends to net income (ytd only)* | 512.8205% | 33 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0506% | 6,223 |
| Loan loss allowance to noncurrent loans | 244.1558% | 1,230 |
| Noncurrent assets plus other real estate owned to assets | 0.3067% | 6,430 |
| Noncurrent loans to loans | 0.4303% | 6,145 |
| Net loans and leases to total assets | 70.5362% | 2,023 |
| Net loans and leases to deposits | 80.0705% | 2,714 |
| Net loans and leases to core deposits | 80.0705% | 3,746 |
| Total domestic deposits to total assets | 88.0926% | 2,321 |
| Equity capital to assets | 11.5568% | 2,221 |
| Core capital (leverage) ratio | 11.6382% | 1,777 |
| Tier 1 risk-based capital ratio | 17.5078% | 2,293 |
| Total risk-based capital ratio | 18.6428% | 2,310 |
| Memoranda: | ||
| Average total assets | $24,513,500 | 7,303 |
| Average earning assets | $22,773,000 | 7,270 |
| Average equity | $2,984,500 | 7,173 |
| Average total loans | $17,928,500 | 6,943 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2861% | 3,194 |
| Cost of funding earning assets | 0.9957% | 5,719 |
| Net interest margin | 4.2903% | 1,856 |
| Noninterest income to average assets | 0.2620% | 5,919 |
| Noninterest expense to average assets | 3.0729% | 3,579 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.8444% | 2,615 |
| Return on assets (ROA) | 0.8524% | 2,716 |
| Pretax return on assets | 1.3223% | 1,878 |
| Return on Equity (ROE) | 6.8599% | 3,183 |
| Retained earnings to average equity (ytd only) | 3.5136% | 3,403 |
| Net charge-offs to loans | 0.0217% | 6,595 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | 78.7500% | 308 |
| Efficiency ratio | 70.1139% | 4,158 |
| Assets per employee ($millions) | 3.4179% | 5,131 |
| Cash dividends to net income (ytd only)* | 48.7805% | 2,139 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0466% | 6,167 |
| Loan loss allowance to noncurrent loans | 247.3684% | 1,247 |
| Noncurrent assets plus other real estate owned to assets | 0.3177% | 6,452 |
| Noncurrent loans to loans | 0.4231% | 6,202 |
| Net loans and leases to total assets | 74.2947% | 1,603 |
| Net loans and leases to deposits | 85.5431% | 2,173 |
| Net loans and leases to core deposits | 85.5431% | 3,391 |
| Total domestic deposits to total assets | 86.8506% | 2,909 |
| Equity capital to assets | 12.8234% | 1,480 |
| Core capital (leverage) ratio | 12.9053% | 1,156 |
| Tier 1 risk-based capital ratio | 18.7596% | 1,777 |
| Total risk-based capital ratio | 19.9117% | 1,768 |
| Memoranda: | ||
| Average total assets | $24,049,200 | 7,370 |
| Average earning assets | $23,098,400 | 7,319 |
| Average equity | $2,988,400 | 7,284 |
| Average total loans | $18,464,000 | 7,003 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2650% | 3,512 |
| Cost of funding earning assets | 1.0438% | 5,722 |
| Net interest margin | 4.2211% | 2,141 |
| Noninterest income to average assets | 0.2658% | 5,991 |
| Noninterest expense to average assets | 3.0785% | 3,429 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.8142% | 2,942 |
| Return on assets (ROA) | 0.8250% | 3,044 |
| Pretax return on assets | 1.2790% | 2,232 |
| Return on Equity (ROE) | 6.6923% | 3,483 |
| Retained earnings to average equity (ytd only) | 2.2008% | 4,853 |
| Net charge-offs to loans | 0.0287% | 6,276 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 57.0338% | 505 |
| Efficiency ratio | 70.9184% | 3,896 |
| Assets per employee ($millions) | 3.4290% | 5,139 |
| Cash dividends to net income (ytd only)* | 67.1147% | 982 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9823% | 6,472 |
| Loan loss allowance to noncurrent loans | 182.5243% | 1,572 |
| Noncurrent assets plus other real estate owned to assets | 0.4291% | 6,352 |
| Noncurrent loans to loans | 0.5382% | 6,132 |
| Net loans and leases to total assets | 78.9485% | 889 |
| Net loans and leases to deposits | 90.9222% | 1,591 |
| Net loans and leases to core deposits | 90.9222% | 2,968 |
| Total domestic deposits to total assets | 86.8308% | 2,629 |
| Equity capital to assets | 12.5693% | 1,825 |
| Core capital (leverage) ratio | 12.5036% | 1,406 |
| Tier 1 risk-based capital ratio | 17.1881% | 2,278 |
| Total risk-based capital ratio | 18.2635% | 2,299 |
| Memoranda: | ||
| Average total assets | $24,080,250 | 7,470 |
| Average earning assets | $23,247,500 | 7,403 |
| Average equity | $2,968,500 | 7,380 |
| Average total loans | $18,589,250 | 7,091 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1875% | 4,014 |
| Cost of funding earning assets | 1.1061% | 5,638 |
| Net interest margin | 4.0814% | 2,646 |
| Noninterest income to average assets | 0.2987% | 5,758 |
| Noninterest expense to average assets | 2.9785% | 3,790 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.8218% | 2,868 |
| Return on assets (ROA) | 0.8380% | 2,946 |
| Pretax return on assets | 1.2943% | 2,104 |
| Return on Equity (ROE) | 6.8421% | 3,376 |
| Retained earnings to average equity (ytd only) | 0.0677% | 5,712 |
| Net charge-offs to loans | 0.0109% | 6,196 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 153.0000% | 229 |
| Efficiency ratio | 70.1172% | 4,175 |
| Assets per employee ($millions) | 3.4203% | 5,121 |
| Cash dividends to net income (ytd only)* | 99.0099% | 471 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9904% | 6,447 |
| Loan loss allowance to noncurrent loans | 241.7722% | 1,166 |
| Noncurrent assets plus other real estate owned to assets | 0.3300% | 6,596 |
| Noncurrent loans to loans | 0.4096% | 6,428 |
| Net loans and leases to total assets | 79.7511% | 837 |
| Net loans and leases to deposits | 91.4858% | 1,617 |
| Net loans and leases to core deposits | 91.4858% | 3,059 |
| Total domestic deposits to total assets | 87.1732% | 2,444 |
| Equity capital to assets | 12.3924% | 1,871 |
| Core capital (leverage) ratio | 12.1977% | 1,541 |
| Tier 1 risk-based capital ratio | 14.9150% | 3,200 |
| Total risk-based capital ratio | 15.8787% | 3,341 |
| Memoranda: | ||
| Average total assets | $24,106,000 | 7,533 |
| Average earning assets | $23,325,330 | 7,461 |
| Average equity | $2,952,330 | 7,427 |
| Average total loans | $18,406,330 | 7,155 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0541% | 4,768 |
| Cost of funding earning assets | 1.1611% | 5,600 |
| Net interest margin | 3.8930% | 3,362 |
| Noninterest income to average assets | 0.3638% | 5,229 |
| Noninterest expense to average assets | 3.0263% | 3,578 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.7227% | 3,344 |
| Return on assets (ROA) | 0.7442% | 3,348 |
| Pretax return on assets | 1.1411% | 2,581 |
| Return on Equity (ROE) | 6.1121% | 3,820 |
| Retained earnings to average equity (ytd only) | -7.4703% | 6,785 |
| Net charge-offs to loans | 0.0223% | 5,262 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 67.0000% | 453 |
| Efficiency ratio | 73.2000% | 3,724 |
| Assets per employee ($millions) | 3.4683% | 5,105 |
| Cash dividends to net income (ytd only)* | 222.2222% | 162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0537% | 6,211 |
| Loan loss allowance to noncurrent loans | 254.6667% | 1,157 |
| Noncurrent assets plus other real estate owned to assets | 0.3089% | 6,704 |
| Noncurrent loans to loans | 0.4137% | 6,466 |
| Net loans and leases to total assets | 73.8776% | 2,001 |
| Net loans and leases to deposits | 84.3134% | 2,886 |
| Net loans and leases to core deposits | 84.3134% | 4,162 |
| Total domestic deposits to total assets | 87.6225% | 2,282 |
| Equity capital to assets | 12.0191% | 2,034 |
| Core capital (leverage) ratio | 11.9822% | 1,660 |
| Tier 1 risk-based capital ratio | 14.9451% | 3,132 |
| Total risk-based capital ratio | 15.9291% | 3,235 |
| Memoranda: | ||
| Average total assets | $24,188,000 | 7,618 |
| Average earning assets | $23,426,500 | 7,552 |
| Average equity | $2,945,000 | 7,510 |
| Average total loans | $17,967,000 | 7,266 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5501% | 3,872 |
| Cost of funding earning assets | 1.4865% | 5,565 |
| Net interest margin | 4.0636% | 2,595 |
| Noninterest income to average assets | 0.2979% | 5,969 |
| Noninterest expense to average assets | 3.3111% | 2,977 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.6043% | 3,311 |
| Return on assets (ROA) | 0.6043% | 3,385 |
| Pretax return on assets | 0.9193% | 2,862 |
| Return on Equity (ROE) | 4.8401% | 3,743 |
| Retained earnings to average equity (ytd only) | -0.2727% | 5,008 |
| Net charge-offs to loans | 0.0928% | 6,197 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | 12.7059% | 1,483 |
| Efficiency ratio | 78.2696% | 3,150 |
| Assets per employee ($millions) | 3.4426% | 5,145 |
| Cash dividends to net income (ytd only)* | 105.6338% | 547 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0782% | 6,004 |
| Loan loss allowance to noncurrent loans | 249.3506% | 1,207 |
| Noncurrent assets plus other real estate owned to assets | 0.8922% | 5,318 |
| Noncurrent loans to loans | 0.4324% | 6,403 |
| Net loans and leases to total assets | 73.0974% | 2,481 |
| Net loans and leases to deposits | 83.6817% | 3,335 |
| Net loans and leases to core deposits | 93.4681% | 4,729 |
| Total domestic deposits to total assets | 87.3516% | 2,296 |
| Equity capital to assets | 12.3330% | 1,831 |
| Core capital (leverage) ratio | 12.4056% | 1,490 |
| Tier 1 risk-based capital ratio | 15.6427% | 2,656 |
| Total risk-based capital ratio | 16.6587% | 2,711 |
| Memoranda: | ||
| Average total assets | $23,497,000 | 7,681 |
| Average earning assets | $22,738,200 | 7,626 |
| Average equity | $2,933,800 | 7,609 |
| Average total loans | $18,325,200 | 7,298 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6537% | 3,556 |
| Cost of funding earning assets | 1.5446% | 5,660 |
| Net interest margin | 4.1091% | 2,358 |
| Noninterest income to average assets | 0.3198% | 5,923 |
| Noninterest expense to average assets | 3.3009% | 2,918 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.6568% | 3,372 |
| Return on assets (ROA) | 0.6568% | 3,433 |
| Pretax return on assets | 0.9994% | 2,904 |
| Return on Equity (ROE) | 5.2434% | 3,861 |
| Retained earnings to average equity (ytd only) | -1.5960% | 5,633 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.7596% | 3,366 |
| Assets per employee ($millions) | 3.3214% | 5,338 |
| Cash dividends to net income (ytd only)* | 130.4376% | 350 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0658% | 5,926 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 79.4538% | 1,294 |
| Net loans and leases to deposits | 91.4641% | 2,323 |
| Net loans and leases to core deposits | 102.0608% | 4,150 |
| Total domestic deposits to total assets | 86.8688% | 2,248 |
| Equity capital to assets | 12.6710% | 1,849 |
| Core capital (leverage) ratio | 12.2788% | 1,669 |
| Tier 1 risk-based capital ratio | 15.6102% | 2,770 |
| Total risk-based capital ratio | 16.6711% | 2,799 |
| Memoranda: | ||
| Average total assets | $23,346,750 | 7,756 |
| Average earning assets | $22,616,000 | 7,702 |
| Average equity | $2,924,250 | 7,679 |
| Average total loans | $18,454,750 | 7,358 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6594% | 3,770 |
| Cost of funding earning assets | 1.5829% | 5,802 |
| Net interest margin | 4.0765% | 2,409 |
| Noninterest income to average assets | 0.2481% | 6,508 |
| Noninterest expense to average assets | 3.0968% | 3,717 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.7100% | 3,207 |
| Return on assets (ROA) | 0.7100% | 3,309 |
| Pretax return on assets | 1.0950% | 2,656 |
| Return on Equity (ROE) | 5.6908% | 3,788 |
| Retained earnings to average equity (ytd only) | -4.5938% | 6,238 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8776% | 4,054 |
| Assets per employee ($millions) | 2.9628% | 6,231 |
| Cash dividends to net income (ytd only)* | 180.7229% | 269 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0699% | 5,785 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 77.6348% | 1,832 |
| Net loans and leases to deposits | 88.8723% | 3,019 |
| Net loans and leases to core deposits | 98.8238% | 4,615 |
| Total domestic deposits to total assets | 87.3555% | 2,070 |
| Equity capital to assets | 12.2817% | 2,038 |
| Core capital (leverage) ratio | 12.0728% | 1,805 |
| Tier 1 risk-based capital ratio | 15.4680% | 2,823 |
| Total risk-based capital ratio | 16.5305% | 2,829 |
| Memoranda: | ||
| Average total assets | $23,379,000 | 7,837 |
| Average earning assets | $22,617,330 | 7,774 |
| Average equity | $2,917,000 | 7,753 |
| Average total loans | $18,382,330 | 7,428 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7285% | 3,652 |
| Cost of funding earning assets | 1.6367% | 5,877 |
| Net interest margin | 4.0918% | 2,307 |
| Noninterest income to average assets | 0.2412% | 6,527 |
| Noninterest expense to average assets | 3.1528% | 3,181 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.6891% | 3,609 |
| Return on assets (ROA) | 0.6891% | 3,795 |
| Pretax return on assets | 1.0509% | 3,171 |
| Return on Equity (ROE) | 5.4795% | 4,258 |
| Retained earnings to average equity (ytd only) | -15.0685% | 7,441 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.0000% | 3,664 |
| Assets per employee ($millions) | 3.0353% | 6,059 |
| Cash dividends to net income (ytd only)* | 375.0000% | 113 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0964% | 5,501 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 73.9272% | 2,779 |
| Net loans and leases to deposits | 84.2058% | 3,951 |
| Net loans and leases to core deposits | 93.2616% | 5,233 |
| Total domestic deposits to total assets | 87.7934% | 1,846 |
| Equity capital to assets | 11.7989% | 2,382 |
| Core capital (leverage) ratio | 12.2938% | 1,762 |
| Tier 1 risk-based capital ratio | 14.9495% | 3,093 |
| Total risk-based capital ratio | 15.9918% | 3,120 |
| Memoranda: | ||
| Average total assets | $23,217,500 | 7,893 |
| Average earning assets | $22,484,000 | 7,824 |
| Average equity | $2,920,000 | 7,808 |
| Average total loans | $18,273,500 | 7,474 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4163% | 3,327 |
| Cost of funding earning assets | 2.2408% | 5,417 |
| Net interest margin | 4.1755% | 2,412 |
| Noninterest income to average assets | 0.2390% | 6,736 |
| Noninterest expense to average assets | 2.9963% | 4,092 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.8324% | 3,297 |
| Return on assets (ROA) | 0.8409% | 3,094 |
| Pretax return on assets | 1.2719% | 2,401 |
| Return on Equity (ROE) | 6.7684% | 3,637 |
| Retained earnings to average equity (ytd only) | 1.6148% | 4,242 |
| Net charge-offs to loans | 0.0219% | 6,541 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 73.7500% | 553 |
| Efficiency ratio | 70.4112% | 4,269 |
| Assets per employee ($millions) | 2.7691% | 6,639 |
| Cash dividends to net income (ytd only)* | 76.1421% | 1,896 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0817% | 5,405 |
| Loan loss allowance to noncurrent loans | 124.3750% | 2,898 |
| Noncurrent assets plus other real estate owned to assets | 0.7222% | 5,061 |
| Noncurrent loans to loans | 0.8697% | 4,880 |
| Net loans and leases to total assets | 82.1469% | 1,204 |
| Net loans and leases to deposits | 95.2476% | 2,570 |
| Net loans and leases to core deposits | 105.4957% | 4,243 |
| Total domestic deposits to total assets | 86.2457% | 2,292 |
| Equity capital to assets | 13.4293% | 1,619 |
| Core capital (leverage) ratio | 13.2375% | 1,464 |
| Tier 1 risk-based capital ratio | 18.2434% | 1,978 |
| Total risk-based capital ratio | 19.4682% | 1,934 |
| Memoranda: | ||
| Average total assets | $23,428,600 | 7,894 |
| Average earning assets | $22,536,200 | 7,839 |
| Average equity | $2,910,600 | 7,863 |
| Average total loans | $18,243,200 | 7,447 |