Home > Lakeside Bank of Salina > Performance and Condition Ratios
Lakeside Bank of Salina, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.1217% | 124 |
| Cost of funding earning assets | 1.5329% | 3,121 |
| Net interest margin | 6.5888% | 57 |
| Noninterest income to average assets | 0.7000% | 1,050 |
| Noninterest expense to average assets | 3.3692% | 698 |
| Loan and lease loss provision to assets | 1.3900% | 63 |
| Net operating income to assets | 2.4124% | 237 |
| Return on assets (ROA) | 2.4124% | 235 |
| Pretax return on assets | 1.9545% | 753 |
| Return on Equity (ROE) | 20.3400% | 425 |
| Retained earnings to average equity (ytd only) | 20.3431% | 149 |
| Net charge-offs to loans | 0.0220% | 1,551 |
| Credit loss provision to net charge-offs | 8,550.0000% | 56 |
| Earnings coverage of net charge-offs (x) | 204.5000% | 416 |
| Efficiency ratio | 50.1827% | 3,880 |
| Assets per employee ($millions) | 3.4636% | 4,211 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5143% | 214 |
| Loan loss allowance to noncurrent loans | 94.4785% | 2,992 |
| Noncurrent assets plus other real estate owned to assets | 2.0169% | 224 |
| Noncurrent loans to loans | 2.6612% | 280 |
| Net loans and leases to total assets | 73.8800% | 1,355 |
| Net loans and leases to deposits | 85.5465% | 1,541 |
| Net loans and leases to core deposits | 91.2927% | 1,965 |
| Total domestic deposits to total assets | 86.3600% | 2,171 |
| Equity capital to assets | 12.2662% | 1,139 |
| Core capital (leverage) ratio | 11.9136% | 1,510 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $48,914,000 | 4,229 |
| Average earning assets | $44,621,000 | 4,205 |
| Average equity | $5,800,500 | 4,179 |
| Average total loans | $36,337,500 | 4,002 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6279% | 216 |
| Cost of funding earning assets | 1.5702% | 3,229 |
| Net interest margin | 6.0577% | 106 |
| Noninterest income to average assets | 0.7100% | 1,144 |
| Noninterest expense to average assets | 3.6104% | 512 |
| Loan and lease loss provision to assets | 0.5800% | 171 |
| Net operating income to assets | 1.6907% | 670 |
| Return on assets (ROA) | 1.6907% | 665 |
| Pretax return on assets | 2.1017% | 497 |
| Return on Equity (ROE) | 14.3100% | 1,065 |
| Retained earnings to average equity (ytd only) | -2.2529% | 4,172 |
| Net charge-offs to loans | 1.5742% | 92 |
| Credit loss provision to net charge-offs | 51.4680% | 2,329 |
| Earnings coverage of net charge-offs (x) | 2.3644% | 2,830 |
| Efficiency ratio | 57.4051% | 3,414 |
| Assets per employee ($millions) | 3.5241% | 4,216 |
| Cash dividends to net income (ytd only)* | 115.7407% | 169 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1016% | 313 |
| Loan loss allowance to noncurrent loans | 89.0330% | 3,085 |
| Noncurrent assets plus other real estate owned to assets | 1.9113% | 222 |
| Noncurrent loans to loans | 2.3605% | 311 |
| Net loans and leases to total assets | 71.2900% | 1,750 |
| Net loans and leases to deposits | 81.6388% | 1,980 |
| Net loans and leases to core deposits | 86.9082% | 2,333 |
| Total domestic deposits to total assets | 87.3200% | 1,769 |
| Equity capital to assets | 11.4579% | 1,390 |
| Core capital (leverage) ratio | 11.2792% | 1,796 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $51,102,400 | 4,224 |
| Average earning assets | $47,064,000 | 4,199 |
| Average equity | $6,036,600 | 4,150 |
| Average total loans | $36,780,600 | 4,005 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5189% | 234 |
| Cost of funding earning assets | 1.5705% | 3,227 |
| Net interest margin | 5.9483% | 116 |
| Noninterest income to average assets | 0.6900% | 1,169 |
| Noninterest expense to average assets | 3.5542% | 537 |
| Loan and lease loss provision to assets | 0.5000% | 178 |
| Net operating income to assets | 1.7254% | 658 |
| Return on assets (ROA) | 1.7254% | 659 |
| Pretax return on assets | 2.1159% | 538 |
| Return on Equity (ROE) | 14.5000% | 1,046 |
| Retained earnings to average equity (ytd only) | 14.5016% | 261 |
| Net charge-offs to loans | 1.1245% | 124 |
| Credit loss provision to net charge-offs | 64.1026% | 1,965 |
| Earnings coverage of net charge-offs (x) | 3.2468% | 2,534 |
| Efficiency ratio | 57.5618% | 3,395 |
| Assets per employee ($millions) | 3.5771% | 4,232 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5477% | 211 |
| Loan loss allowance to noncurrent loans | 65.2082% | 3,393 |
| Noncurrent assets plus other real estate owned to assets | 3.0192% | 84 |
| Noncurrent loans to loans | 3.9070% | 118 |
| Net loans and leases to total assets | 70.5800% | 1,776 |
| Net loans and leases to deposits | 81.7599% | 2,004 |
| Net loans and leases to core deposits | 85.8364% | 2,425 |
| Total domestic deposits to total assets | 86.3200% | 1,818 |
| Equity capital to assets | 12.8914% | 995 |
| Core capital (leverage) ratio | 12.3702% | 1,319 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $51,543,750 | 4,244 |
| Average earning assets | $47,541,500 | 4,222 |
| Average equity | $6,132,500 | 4,158 |
| Average total loans | $36,994,500 | 4,016 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2968% | 271 |
| Cost of funding earning assets | 1.5301% | 3,228 |
| Net interest margin | 5.7668% | 147 |
| Noninterest income to average assets | 0.6600% | 1,224 |
| Noninterest expense to average assets | 3.4979% | 576 |
| Loan and lease loss provision to assets | 0.4800% | 183 |
| Net operating income to assets | 1.6951% | 687 |
| Return on assets (ROA) | 1.6951% | 688 |
| Pretax return on assets | 2.0142% | 629 |
| Return on Equity (ROE) | 14.6400% | 1,045 |
| Retained earnings to average equity (ytd only) | 14.6398% | 309 |
| Net charge-offs to loans | 0.6338% | 200 |
| Credit loss provision to net charge-offs | 108.4746% | 1,420 |
| Earnings coverage of net charge-offs (x) | 5.5085% | 2,208 |
| Efficiency ratio | 58.3333% | 3,359 |
| Assets per employee ($millions) | 3.7641% | 4,205 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8599% | 170 |
| Loan loss allowance to noncurrent loans | 62.6723% | 3,451 |
| Noncurrent assets plus other real estate owned to assets | 3.2336% | 58 |
| Noncurrent loans to loans | 4.5632% | 75 |
| Net loans and leases to total assets | 67.4200% | 2,179 |
| Net loans and leases to deposits | 77.0778% | 2,464 |
| Net loans and leases to core deposits | 81.2091% | 2,734 |
| Total domestic deposits to total assets | 87.4700% | 1,489 |
| Equity capital to assets | 11.8223% | 1,233 |
| Core capital (leverage) ratio | 11.8477% | 1,524 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $52,031,667 | 4,259 |
| Average earning assets | $48,103,000 | 4,238 |
| Average equity | $6,024,667 | 4,173 |
| Average total loans | $37,236,667 | 4,027 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2318% | 263 |
| Cost of funding earning assets | 1.4314% | 3,345 |
| Net interest margin | 5.8004% | 140 |
| Noninterest income to average assets | 0.6600% | 1,157 |
| Noninterest expense to average assets | 3.4198% | 622 |
| Loan and lease loss provision to assets | 0.3500% | 254 |
| Net operating income to assets | 2.0581% | 410 |
| Return on assets (ROA) | 2.0581% | 417 |
| Pretax return on assets | 2.2824% | 434 |
| Return on Equity (ROE) | 17.9700% | 614 |
| Retained earnings to average equity (ytd only) | 17.9669% | 274 |
| Net charge-offs to loans | 0.1278% | 628 |
| Credit loss provision to net charge-offs | 391.6667% | 582 |
| Earnings coverage of net charge-offs (x) | 28.3333% | 1,189 |
| Efficiency ratio | 56.5217% | 3,555 |
| Assets per employee ($millions) | 3.7180% | 4,225 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8642% | 137 |
| Loan loss allowance to noncurrent loans | 59.2695% | 3,533 |
| Noncurrent assets plus other real estate owned to assets | 3.5388% | 61 |
| Noncurrent loans to loans | 4.8325% | 65 |
| Net loans and leases to total assets | 69.7800% | 1,830 |
| Net loans and leases to deposits | 79.6238% | 2,094 |
| Net loans and leases to core deposits | 83.8923% | 2,456 |
| Total domestic deposits to total assets | 87.6400% | 1,551 |
| Equity capital to assets | 11.6326% | 1,248 |
| Core capital (leverage) ratio | 11.5792% | 1,610 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $51,699,000 | 4,287 |
| Average earning assets | $48,065,500 | 4,260 |
| Average equity | $5,922,000 | 4,201 |
| Average total loans | $37,567,500 | 4,038 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7383% | 280 |
| Cost of funding earning assets | 1.0973% | 3,075 |
| Net interest margin | 5.6410% | 158 |
| Noninterest income to average assets | 0.6600% | 1,324 |
| Noninterest expense to average assets | 3.3928% | 661 |
| Loan and lease loss provision to assets | 0.4500% | 209 |
| Net operating income to assets | 1.5579% | 922 |
| Return on assets (ROA) | 1.5505% | 904 |
| Pretax return on assets | 2.0574% | 619 |
| Return on Equity (ROE) | 14.3300% | 1,421 |
| Retained earnings to average equity (ytd only) | -2.9564% | 4,328 |
| Net charge-offs to loans | 0.6396% | 155 |
| Credit loss provision to net charge-offs | 95.6175% | 1,894 |
| Earnings coverage of net charge-offs (x) | 5.3586% | 2,532 |
| Efficiency ratio | 57.4232% | 3,353 |
| Assets per employee ($millions) | 3.6676% | 4,249 |
| Cash dividends to net income (ytd only)* | 120.6273% | 160 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7450% | 152 |
| Loan loss allowance to noncurrent loans | 84.5714% | 3,349 |
| Noncurrent assets plus other real estate owned to assets | 2.4539% | 93 |
| Noncurrent loans to loans | 3.2457% | 128 |
| Net loans and leases to total assets | 71.4900% | 1,639 |
| Net loans and leases to deposits | 81.3772% | 2,000 |
| Net loans and leases to core deposits | 86.8411% | 2,252 |
| Total domestic deposits to total assets | 87.8500% | 1,404 |
| Equity capital to assets | 11.2745% | 1,378 |
| Core capital (leverage) ratio | 11.1927% | 1,831 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $53,465,400 | 4,281 |
| Average earning assets | $49,760,600 | 4,254 |
| Average equity | $5,784,000 | 4,182 |
| Average total loans | $39,241,000 | 4,007 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6257% | 274 |
| Cost of funding earning assets | 0.9795% | 3,091 |
| Net interest margin | 5.6462% | 156 |
| Noninterest income to average assets | 0.6600% | 1,314 |
| Noninterest expense to average assets | 3.3385% | 687 |
| Loan and lease loss provision to assets | 0.4800% | 165 |
| Net operating income to assets | 1.5778% | 968 |
| Return on assets (ROA) | 1.5680% | 979 |
| Pretax return on assets | 2.0816% | 680 |
| Return on Equity (ROE) | 14.6400% | 1,518 |
| Retained earnings to average equity (ytd only) | -8.4156% | 4,490 |
| Net charge-offs to loans | 0.8246% | 110 |
| Credit loss provision to net charge-offs | 79.5918% | 1,757 |
| Earnings coverage of net charge-offs (x) | 4.2571% | 2,405 |
| Efficiency ratio | 56.4509% | 3,362 |
| Assets per employee ($millions) | 3.6951% | 4,273 |
| Cash dividends to net income (ytd only)* | 157.4803% | 51 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5512% | 185 |
| Loan loss allowance to noncurrent loans | 93.9680% | 3,260 |
| Noncurrent assets plus other real estate owned to assets | 2.1264% | 122 |
| Noncurrent loans to loans | 2.7149% | 171 |
| Net loans and leases to total assets | 73.6200% | 1,385 |
| Net loans and leases to deposits | 83.5099% | 1,777 |
| Net loans and leases to core deposits | 89.5417% | 1,962 |
| Total domestic deposits to total assets | 88.1500% | 1,516 |
| Equity capital to assets | 10.8156% | 1,422 |
| Core capital (leverage) ratio | 10.9064% | 2,058 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $53,995,250 | 4,289 |
| Average earning assets | $50,227,500 | 4,267 |
| Average equity | $5,782,750 | 4,192 |
| Average total loans | $39,615,750 | 4,011 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3753% | 290 |
| Cost of funding earning assets | 0.8777% | 2,999 |
| Net interest margin | 5.4975% | 173 |
| Noninterest income to average assets | 0.6500% | 1,264 |
| Noninterest expense to average assets | 3.2913% | 697 |
| Loan and lease loss provision to assets | 0.3300% | 270 |
| Net operating income to assets | 1.6217% | 911 |
| Return on assets (ROA) | 1.6073% | 939 |
| Pretax return on assets | 2.1406% | 583 |
| Return on Equity (ROE) | 15.0500% | 1,461 |
| Retained earnings to average equity (ytd only) | -19.1606% | 4,575 |
| Net charge-offs to loans | 0.2664% | 313 |
| Credit loss provision to net charge-offs | 169.8113% | 1,124 |
| Earnings coverage of net charge-offs (x) | 12.8491% | 1,925 |
| Efficiency ratio | 56.9532% | 3,309 |
| Assets per employee ($millions) | 4.0532% | 4,161 |
| Cash dividends to net income (ytd only)* | 227.2727% | 30 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7029% | 173 |
| Loan loss allowance to noncurrent loans | 72.0745% | 3,496 |
| Noncurrent assets plus other real estate owned to assets | 2.9283% | 76 |
| Noncurrent loans to loans | 3.7502% | 100 |
| Net loans and leases to total assets | 74.0500% | 1,287 |
| Net loans and leases to deposits | 83.3746% | 1,732 |
| Net loans and leases to core deposits | 88.1094% | 1,920 |
| Total domestic deposits to total assets | 88.8200% | 1,312 |
| Equity capital to assets | 10.2482% | 1,716 |
| Core capital (leverage) ratio | 10.3375% | 2,444 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $54,750,000 | 4,305 |
| Average earning assets | $51,041,000 | 4,279 |
| Average equity | $5,845,333 | 4,208 |
| Average total loans | $39,794,333 | 4,016 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0581% | 296 |
| Cost of funding earning assets | 0.7199% | 2,989 |
| Net interest margin | 5.3382% | 188 |
| Noninterest income to average assets | 0.6600% | 1,223 |
| Noninterest expense to average assets | 3.2414% | 753 |
| Loan and lease loss provision to assets | 0.3200% | 260 |
| Net operating income to assets | 1.5773% | 1,022 |
| Return on assets (ROA) | 1.5490% | 1,073 |
| Pretax return on assets | 2.0581% | 701 |
| Return on Equity (ROE) | 14.2400% | 1,734 |
| Retained earnings to average equity (ytd only) | 14.2386% | 912 |
| Net charge-offs to loans | 0.1514% | 452 |
| Credit loss provision to net charge-offs | 300.0000% | 691 |
| Earnings coverage of net charge-offs (x) | 22.4667% | 1,424 |
| Efficiency ratio | 57.2877% | 3,272 |
| Assets per employee ($millions) | 4.0749% | 4,220 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7127% | 173 |
| Loan loss allowance to noncurrent loans | 161.9549% | 2,886 |
| Noncurrent assets plus other real estate owned to assets | 1.3290% | 269 |
| Noncurrent loans to loans | 1.6750% | 373 |
| Net loans and leases to total assets | 72.9100% | 1,330 |
| Net loans and leases to deposits | 83.4955% | 1,532 |
| Net loans and leases to core deposits | 87.3770% | 1,780 |
| Total domestic deposits to total assets | 87.3300% | 2,152 |
| Equity capital to assets | 11.6585% | 1,102 |
| Core capital (leverage) ratio | 11.5226% | 1,549 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $55,779,000 | 4,356 |
| Average earning assets | $52,227,500 | 4,325 |
| Average equity | $6,068,000 | 4,236 |
| Average total loans | $39,639,000 | 4,071 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7240% | 121 |
| Cost of funding earning assets | 0.3999% | 2,103 |
| Net interest margin | 5.3241% | 101 |
| Noninterest income to average assets | 0.9300% | 743 |
| Noninterest expense to average assets | 2.9596% | 1,024 |
| Loan and lease loss provision to assets | 0.6200% | 87 |
| Net operating income to assets | 1.7811% | 461 |
| Return on assets (ROA) | 1.7811% | 444 |
| Pretax return on assets | 2.2810% | 276 |
| Return on Equity (ROE) | 17.1400% | 837 |
| Retained earnings to average equity (ytd only) | 17.1386% | 165 |
| Net charge-offs to loans | 0.4983% | 148 |
| Credit loss provision to net charge-offs | 170.8333% | 1,214 |
| Earnings coverage of net charge-offs (x) | 7.9583% | 2,286 |
| Efficiency ratio | 50.4700% | 4,106 |
| Assets per employee ($millions) | 4.1846% | 4,209 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6708% | 179 |
| Loan loss allowance to noncurrent loans | 286.4499% | 2,245 |
| Noncurrent assets plus other real estate owned to assets | 0.7391% | 642 |
| Noncurrent loans to loans | 0.9324% | 796 |
| Net loans and leases to total assets | 65.7500% | 2,064 |
| Net loans and leases to deposits | 73.7799% | 2,272 |
| Net loans and leases to core deposits | 76.4129% | 2,392 |
| Total domestic deposits to total assets | 89.1200% | 1,686 |
| Equity capital to assets | 10.1734% | 1,622 |
| Core capital (leverage) ratio | 11.3925% | 1,570 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $52,609,000 | 4,414 |
| Average earning assets | $48,759,800 | 4,387 |
| Average equity | $5,467,200 | 4,387 |
| Average total loans | $38,530,800 | 4,092 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7498% | 93 |
| Cost of funding earning assets | 0.3532% | 1,675 |
| Net interest margin | 5.3967% | 86 |
| Noninterest income to average assets | 0.9900% | 677 |
| Noninterest expense to average assets | 3.0205% | 880 |
| Loan and lease loss provision to assets | 0.7400% | 64 |
| Net operating income to assets | 1.7581% | 464 |
| Return on assets (ROA) | 1.7581% | 454 |
| Pretax return on assets | 2.2172% | 312 |
| Return on Equity (ROE) | 16.8200% | 830 |
| Retained earnings to average equity (ytd only) | 16.8159% | 226 |
| Net charge-offs to loans | 0.6376% | 97 |
| Credit loss provision to net charge-offs | 154.6448% | 1,113 |
| Earnings coverage of net charge-offs (x) | 6.1913% | 2,123 |
| Efficiency ratio | 50.5456% | 4,126 |
| Assets per employee ($millions) | 4.0068% | 4,316 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6395% | 197 |
| Loan loss allowance to noncurrent loans | 341.4716% | 2,018 |
| Noncurrent assets plus other real estate owned to assets | 0.6489% | 809 |
| Noncurrent loans to loans | 0.7730% | 1,050 |
| Net loans and leases to total assets | 72.3000% | 1,258 |
| Net loans and leases to deposits | 81.9573% | 1,448 |
| Net loans and leases to core deposits | 86.7785% | 1,481 |
| Total domestic deposits to total assets | 88.2200% | 2,358 |
| Equity capital to assets | 10.9371% | 1,203 |
| Core capital (leverage) ratio | 10.9771% | 1,755 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $51,115,250 | 4,463 |
| Average earning assets | $47,188,500 | 4,439 |
| Average equity | $5,344,000 | 4,436 |
| Average total loans | $38,269,500 | 4,123 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6991% | 90 |
| Cost of funding earning assets | 0.3888% | 995 |
| Net interest margin | 5.3103% | 85 |
| Noninterest income to average assets | 0.6734% | 1,450 |
| Noninterest expense to average assets | 2.9651% | 884 |
| Loan and lease loss provision to assets | 0.5395% | 97 |
| Net operating income to assets | 1.6617% | 474 |
| Return on assets (ROA) | 1.6617% | 467 |
| Pretax return on assets | 2.0634% | 330 |
| Return on Equity (ROE) | 16.1490% | 679 |
| Retained earnings to average equity (ytd only) | 16.1490% | 183 |
| Net charge-offs to loans | 0.1049% | 569 |
| Credit loss provision to net charge-offs | 685.0000% | 523 |
| Earnings coverage of net charge-offs (x) | 33.0500% | 1,353 |
| Efficiency ratio | 53.2532% | 4,029 |
| Assets per employee ($millions) | 3.7234% | 4,482 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6443% | 209 |
| Loan loss allowance to noncurrent loans | 213.5802% | 2,585 |
| Noncurrent assets plus other real estate owned to assets | 1.0071% | 461 |
| Noncurrent loans to loans | 1.2381% | 637 |
| Net loans and leases to total assets | 73.3118% | 970 |
| Net loans and leases to deposits | 82.6203% | 1,203 |
| Net loans and leases to core deposits | 86.4498% | 1,307 |
| Total domestic deposits to total assets | 88.7335% | 2,284 |
| Equity capital to assets | 10.4454% | 1,459 |
| Core capital (leverage) ratio | 10.2473% | 2,143 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $50,790,667 | 4,506 |
| Average earning assets | $46,814,333 | 4,497 |
| Average equity | $5,226,333 | 4,497 |
| Average total loans | $38,132,000 | 4,174 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5871% | 87 |
| Cost of funding earning assets | 0.3805% | 986 |
| Net interest margin | 5.2066% | 86 |
| Noninterest income to average assets | 0.6783% | 1,389 |
| Noninterest expense to average assets | 2.9927% | 829 |
| Loan and lease loss provision to assets | 0.5028% | 95 |
| Net operating income to assets | 1.5003% | 637 |
| Return on assets (ROA) | 1.5003% | 626 |
| Pretax return on assets | 1.9872% | 367 |
| Return on Equity (ROE) | 14.6961% | 704 |
| Retained earnings to average equity (ytd only) | 14.6961% | 312 |
| Net charge-offs to loans | 0.0426% | 857 |
| Credit loss provision to net charge-offs | 1,575.0000% | 250 |
| Earnings coverage of net charge-offs (x) | 78.0000% | 752 |
| Efficiency ratio | 54.5852% | 4,017 |
| Assets per employee ($millions) | 3.9571% | 4,421 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5480% | 271 |
| Loan loss allowance to noncurrent loans | 301.5385% | 2,095 |
| Noncurrent assets plus other real estate owned to assets | 0.6318% | 948 |
| Noncurrent loans to loans | 0.8450% | 1,108 |
| Net loans and leases to total assets | 72.8607% | 756 |
| Net loans and leases to deposits | 81.7773% | 1,026 |
| Net loans and leases to core deposits | 85.1125% | 1,179 |
| Total domestic deposits to total assets | 89.0965% | 2,035 |
| Equity capital to assets | 10.1299% | 1,806 |
| Core capital (leverage) ratio | 10.2880% | 2,025 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $50,122,000 | 4,536 |
| Average earning assets | $46,249,000 | 4,527 |
| Average equity | $5,117,000 | 4,554 |
| Average total loans | $37,571,000 | 4,201 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9791% | 82 |
| Cost of funding earning assets | 0.4514% | 1,190 |
| Net interest margin | 5.5277% | 82 |
| Noninterest income to average assets | 0.6781% | 1,843 |
| Noninterest expense to average assets | 2.9045% | 1,143 |
| Loan and lease loss provision to assets | 0.7149% | 64 |
| Net operating income to assets | 1.6300% | 738 |
| Return on assets (ROA) | 1.6300% | 780 |
| Pretax return on assets | 2.1610% | 446 |
| Return on Equity (ROE) | 15.3763% | 864 |
| Retained earnings to average equity (ytd only) | -0.0385% | 4,498 |
| Net charge-offs to loans | 0.8672% | 75 |
| Credit loss provision to net charge-offs | 112.9032% | 1,689 |
| Earnings coverage of net charge-offs (x) | 4.5419% | 2,487 |
| Efficiency ratio | 50.2473% | 4,266 |
| Assets per employee ($millions) | 3.7540% | 4,513 |
| Cash dividends to net income (ytd only)* | 100.2506% | 197 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5108% | 274 |
| Loan loss allowance to noncurrent loans | 662.5899% | 1,155 |
| Noncurrent assets plus other real estate owned to assets | 0.2848% | 2,118 |
| Noncurrent loans to loans | 0.3789% | 2,230 |
| Net loans and leases to total assets | 73.2757% | 727 |
| Net loans and leases to deposits | 82.2561% | 1,041 |
| Net loans and leases to core deposits | 85.2830% | 1,242 |
| Total domestic deposits to total assets | 89.0824% | 1,465 |
| Equity capital to assets | 10.2926% | 2,381 |
| Core capital (leverage) ratio | 10.1368% | 2,239 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $48,957,800 | 4,573 |
| Average earning assets | $45,190,400 | 4,559 |
| Average equity | $5,189,800 | 4,613 |
| Average total loans | $35,748,400 | 4,277 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0291% | 83 |
| Cost of funding earning assets | 0.4649% | 1,255 |
| Net interest margin | 5.5642% | 86 |
| Noninterest income to average assets | 0.6721% | 1,923 |
| Noninterest expense to average assets | 2.8899% | 1,146 |
| Loan and lease loss provision to assets | 0.5449% | 96 |
| Net operating income to assets | 1.7987% | 669 |
| Return on assets (ROA) | 1.7987% | 696 |
| Pretax return on assets | 2.3838% | 398 |
| Return on Equity (ROE) | 16.8462% | 788 |
| Retained earnings to average equity (ytd only) | 4.1032% | 3,544 |
| Net charge-offs to loans | 0.4768% | 161 |
| Credit loss provision to net charge-offs | 157.4803% | 1,329 |
| Earnings coverage of net charge-offs (x) | 8.4724% | 2,103 |
| Efficiency ratio | 49.6726% | 4,248 |
| Assets per employee ($millions) | 3.7568% | 4,561 |
| Cash dividends to net income (ytd only)* | 75.6430% | 466 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6879% | 216 |
| Loan loss allowance to noncurrent loans | 280.5882% | 2,081 |
| Noncurrent assets plus other real estate owned to assets | 0.6962% | 1,070 |
| Noncurrent loans to loans | 0.9579% | 1,202 |
| Net loans and leases to total assets | 70.7216% | 1,018 |
| Net loans and leases to deposits | 79.8848% | 1,304 |
| Net loans and leases to core deposits | 83.3430% | 1,470 |
| Total domestic deposits to total assets | 88.5294% | 1,554 |
| Equity capital to assets | 10.6188% | 2,346 |
| Core capital (leverage) ratio | 10.4978% | 2,057 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $48,996,750 | 4,635 |
| Average earning assets | $45,312,500 | 4,620 |
| Average equity | $5,231,500 | 4,675 |
| Average total loans | $35,515,250 | 4,333 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0203% | 96 |
| Cost of funding earning assets | 0.4859% | 1,287 |
| Net interest margin | 5.5344% | 92 |
| Noninterest income to average assets | 0.6973% | 1,817 |
| Noninterest expense to average assets | 2.9154% | 1,122 |
| Loan and lease loss provision to assets | 0.4893% | 112 |
| Net operating income to assets | 1.8145% | 694 |
| Return on assets (ROA) | 1.8145% | 729 |
| Pretax return on assets | 2.4016% | 413 |
| Return on Equity (ROE) | 16.9632% | 786 |
| Retained earnings to average equity (ytd only) | 16.9632% | 274 |
| Net charge-offs to loans | 0.0338% | 1,311 |
| Credit loss provision to net charge-offs | 2,000.0000% | 288 |
| Earnings coverage of net charge-offs (x) | 118.1667% | 674 |
| Efficiency ratio | 50.2107% | 4,225 |
| Assets per employee ($millions) | 3.8639% | 4,518 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7601% | 197 |
| Loan loss allowance to noncurrent loans | 168.6441% | 2,704 |
| Noncurrent assets plus other real estate owned to assets | 1.1746% | 598 |
| Noncurrent loans to loans | 1.6366% | 661 |
| Net loans and leases to total assets | 69.7876% | 1,224 |
| Net loans and leases to deposits | 79.0827% | 1,512 |
| Net loans and leases to core deposits | 82.4087% | 1,690 |
| Total domestic deposits to total assets | 88.2463% | 1,698 |
| Equity capital to assets | 10.8897% | 2,075 |
| Core capital (leverage) ratio | 10.8735% | 1,676 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $49,049,667 | 4,661 |
| Average earning assets | $45,280,333 | 4,646 |
| Average equity | $5,246,667 | 4,700 |
| Average total loans | $35,522,667 | 4,365 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0829% | 98 |
| Cost of funding earning assets | 0.5122% | 1,318 |
| Net interest margin | 5.5708% | 95 |
| Noninterest income to average assets | 0.6686% | 1,961 |
| Noninterest expense to average assets | 2.8560% | 1,243 |
| Loan and lease loss provision to assets | 0.5365% | 115 |
| Net operating income to assets | 1.8160% | 760 |
| Return on assets (ROA) | 1.8160% | 812 |
| Pretax return on assets | 2.3938% | 527 |
| Return on Equity (ROE) | 17.1373% | 829 |
| Retained earnings to average equity (ytd only) | 17.1373% | 414 |
| Net charge-offs to loans | 0.0794% | 806 |
| Credit loss provision to net charge-offs | 928.5714% | 434 |
| Earnings coverage of net charge-offs (x) | 50.7143% | 893 |
| Efficiency ratio | 49.3581% | 4,242 |
| Assets per employee ($millions) | 3.8465% | 4,562 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6286% | 219 |
| Loan loss allowance to noncurrent loans | 136.2845% | 2,917 |
| Noncurrent assets plus other real estate owned to assets | 1.3779% | 492 |
| Noncurrent loans to loans | 1.9287% | 574 |
| Net loans and leases to total assets | 69.5624% | 1,347 |
| Net loans and leases to deposits | 78.4891% | 1,672 |
| Net loans and leases to core deposits | 83.2551% | 1,740 |
| Total domestic deposits to total assets | 88.6269% | 1,542 |
| Equity capital to assets | 10.4892% | 2,281 |
| Core capital (leverage) ratio | 10.8433% | 1,821 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $48,459,000 | 4,686 |
| Average earning assets | $44,518,000 | 4,676 |
| Average equity | $5,135,000 | 4,735 |
| Average total loans | $35,259,000 | 4,393 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3520% | 63 |
| Cost of funding earning assets | 0.6878% | 1,783 |
| Net interest margin | 5.6642% | 59 |
| Noninterest income to average assets | 0.7257% | 1,764 |
| Noninterest expense to average assets | 3.2734% | 937 |
| Loan and lease loss provision to assets | 0.4709% | 569 |
| Net operating income to assets | 1.6378% | 590 |
| Return on assets (ROA) | 1.6378% | 636 |
| Pretax return on assets | 2.1519% | 327 |
| Return on Equity (ROE) | 14.1365% | 778 |
| Retained earnings to average equity (ytd only) | 0.3927% | 4,400 |
| Net charge-offs to loans | 0.0966% | 1,503 |
| Credit loss provision to net charge-offs | 667.7419% | 1,027 |
| Earnings coverage of net charge-offs (x) | 37.1935% | 1,443 |
| Efficiency ratio | 55.5170% | 4,044 |
| Assets per employee ($millions) | 3.6088% | 4,607 |
| Cash dividends to net income (ytd only)* | 97.2222% | 287 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5320% | 252 |
| Loan loss allowance to noncurrent loans | 153.4843% | 2,777 |
| Noncurrent assets plus other real estate owned to assets | 1.2235% | 698 |
| Noncurrent loans to loans | 1.6497% | 793 |
| Net loans and leases to total assets | 72.2897% | 1,256 |
| Net loans and leases to deposits | 81.6379% | 1,693 |
| Net loans and leases to core deposits | 85.2882% | 1,929 |
| Total domestic deposits to total assets | 88.5493% | 1,193 |
| Equity capital to assets | 10.7111% | 2,510 |
| Core capital (leverage) ratio | 10.7879% | 1,945 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $43,960,200 | 4,720 |
| Average earning assets | $40,129,400 | 4,714 |
| Average equity | $5,093,200 | 4,741 |
| Average total loans | $32,086,200 | 4,479 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3198% | 75 |
| Cost of funding earning assets | 0.7183% | 1,916 |
| Net interest margin | 5.6015% | 67 |
| Noninterest income to average assets | 0.7002% | 1,803 |
| Noninterest expense to average assets | 3.3131% | 891 |
| Loan and lease loss provision to assets | 0.5807% | 449 |
| Net operating income to assets | 1.4745% | 954 |
| Return on assets (ROA) | 1.4745% | 1,037 |
| Pretax return on assets | 1.9311% | 594 |
| Return on Equity (ROE) | 12.4714% | 1,253 |
| Retained earnings to average equity (ytd only) | -0.5740% | 4,560 |
| Net charge-offs to loans | 0.1189% | 1,174 |
| Credit loss provision to net charge-offs | 671.4286% | 1,096 |
| Earnings coverage of net charge-offs (x) | 29.0714% | 1,617 |
| Efficiency ratio | 56.8856% | 3,807 |
| Assets per employee ($millions) | 3.5699% | 4,628 |
| Cash dividends to net income (ytd only)* | 104.6025% | 261 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4975% | 230 |
| Loan loss allowance to noncurrent loans | 186.8251% | 2,331 |
| Noncurrent assets plus other real estate owned to assets | 1.2088% | 822 |
| Noncurrent loans to loans | 1.3368% | 1,104 |
| Net loans and leases to total assets | 72.7639% | 1,543 |
| Net loans and leases to deposits | 81.8186% | 2,119 |
| Net loans and leases to core deposits | 84.9342% | 2,387 |
| Total domestic deposits to total assets | 88.9332% | 796 |
| Equity capital to assets | 10.7371% | 2,596 |
| Core capital (leverage) ratio | 10.8794% | 1,974 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $43,221,750 | 4,750 |
| Average earning assets | $39,536,000 | 4,746 |
| Average equity | $5,110,250 | 4,761 |
| Average total loans | $31,409,000 | 4,516 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3914% | 91 |
| Cost of funding earning assets | 0.7715% | 1,987 |
| Net interest margin | 5.6198% | 84 |
| Noninterest income to average assets | 0.7068% | 1,715 |
| Noninterest expense to average assets | 3.3350% | 940 |
| Loan and lease loss provision to assets | 0.6167% | 512 |
| Net operating income to assets | 1.4279% | 1,056 |
| Return on assets (ROA) | 1.4279% | 1,143 |
| Pretax return on assets | 1.8691% | 713 |
| Return on Equity (ROE) | 11.6833% | 1,421 |
| Retained earnings to average equity (ytd only) | 11.6833% | 498 |
| Net charge-offs to loans | 0.2176% | 713 |
| Credit loss provision to net charge-offs | 393.9394% | 1,418 |
| Earnings coverage of net charge-offs (x) | 15.8788% | 1,886 |
| Efficiency ratio | 57.2942% | 3,774 |
| Assets per employee ($millions) | 3.4739% | 4,677 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4988% | 220 |
| Loan loss allowance to noncurrent loans | 248.2972% | 1,811 |
| Noncurrent assets plus other real estate owned to assets | 0.9322% | 1,317 |
| Noncurrent loans to loans | 1.0064% | 1,542 |
| Net loans and leases to total assets | 69.2921% | 2,143 |
| Net loans and leases to deposits | 78.8992% | 2,556 |
| Net loans and leases to core deposits | 80.9714% | 2,871 |
| Total domestic deposits to total assets | 87.8236% | 1,276 |
| Equity capital to assets | 11.7491% | 1,804 |
| Core capital (leverage) ratio | 11.8103% | 1,487 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $42,159,333 | 4,788 |
| Average earning assets | $38,364,333 | 4,782 |
| Average equity | $5,152,667 | 4,781 |
| Average total loans | $30,334,000 | 4,555 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2735% | 111 |
| Cost of funding earning assets | 0.7788% | 2,504 |
| Net interest margin | 5.4947% | 89 |
| Noninterest income to average assets | 0.7280% | 1,538 |
| Noninterest expense to average assets | 3.4532% | 1,007 |
| Loan and lease loss provision to assets | 0.4427% | 685 |
| Net operating income to assets | 1.3970% | 988 |
| Return on assets (ROA) | 1.3970% | 1,067 |
| Pretax return on assets | 1.8299% | 655 |
| Return on Equity (ROE) | 11.1899% | 1,360 |
| Retained earnings to average equity (ytd only) | 11.1899% | 543 |
| Net charge-offs to loans | -0.0815% | 4,774 |
| Credit loss provision to net charge-offs | -750.0000% | 3,481 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.3093% | 3,703 |
| Assets per employee ($millions) | 3.5421% | 4,444 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4649% | 260 |
| Loan loss allowance to noncurrent loans | 166.8874% | 2,355 |
| Noncurrent assets plus other real estate owned to assets | 1.0658% | 1,223 |
| Noncurrent loans to loans | 1.4770% | 1,084 |
| Net loans and leases to total assets | 70.3776% | 2,191 |
| Net loans and leases to deposits | 80.7570% | 2,601 |
| Net loans and leases to core deposits | 83.0206% | 2,932 |
| Total domestic deposits to total assets | 87.1474% | 1,490 |
| Equity capital to assets | 12.1092% | 1,986 |
| Core capital (leverage) ratio | 12.5259% | 1,431 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $40,658,500 | 4,840 |
| Average earning assets | $36,981,000 | 4,833 |
| Average equity | $5,076,000 | 4,828 |
| Average total loans | $29,453,500 | 4,608 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4146% | 123 |
| Cost of funding earning assets | 0.5790% | 3,724 |
| Net interest margin | 5.8356% | 74 |
| Noninterest income to average assets | 0.9475% | 1,075 |
| Noninterest expense to average assets | 3.8451% | 629 |
| Loan and lease loss provision to assets | 0.5081% | 253 |
| Net operating income to assets | 1.4117% | 1,306 |
| Return on assets (ROA) | 1.4117% | 1,384 |
| Pretax return on assets | 1.8539% | 830 |
| Return on Equity (ROE) | 10.8682% | 1,941 |
| Retained earnings to average equity (ytd only) | 10.8682% | 351 |
| Net charge-offs to loans | 0.3462% | 584 |
| Credit loss provision to net charge-offs | 212.6437% | 1,245 |
| Earnings coverage of net charge-offs (x) | 9.8851% | 2,619 |
| Efficiency ratio | 61.9469% | 3,393 |
| Assets per employee ($millions) | 2.7723% | 4,920 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4967% | 219 |
| Loan loss allowance to noncurrent loans | 200.8547% | 2,080 |
| Noncurrent assets plus other real estate owned to assets | 0.9044% | 1,408 |
| Noncurrent loans to loans | 1.2430% | 1,208 |
| Net loans and leases to total assets | 70.9368% | 2,258 |
| Net loans and leases to deposits | 81.4653% | 2,619 |
| Net loans and leases to core deposits | 83.3243% | 3,014 |
| Total domestic deposits to total assets | 87.0762% | 1,567 |
| Equity capital to assets | 12.8955% | 1,587 |
| Core capital (leverage) ratio | 12.8554% | 1,308 |
| Tier 1 risk-based capital ratio | 18.3730% | 1,677 |
| Total risk-based capital ratio | 19.6395% | 1,634 |
| Memoranda: | ||
| Average total assets | $36,410,400 | 4,949 |
| Average earning assets | $32,815,800 | 4,949 |
| Average equity | $4,729,400 | 4,915 |
| Average total loans | $25,131,000 | 4,744 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3095% | 145 |
| Cost of funding earning assets | 0.5099% | 4,103 |
| Net interest margin | 5.7996% | 78 |
| Noninterest income to average assets | 0.9345% | 1,074 |
| Noninterest expense to average assets | 3.9802% | 541 |
| Loan and lease loss provision to assets | 0.3723% | 351 |
| Net operating income to assets | 1.3813% | 1,526 |
| Return on assets (ROA) | 1.3813% | 1,597 |
| Pretax return on assets | 1.7909% | 1,117 |
| Return on Equity (ROE) | 10.6137% | 2,164 |
| Retained earnings to average equity (ytd only) | 10.6137% | 598 |
| Net charge-offs to loans | 0.0767% | 1,728 |
| Credit loss provision to net charge-offs | 714.2857% | 466 |
| Earnings coverage of net charge-offs (x) | 41.4917% | 1,341 |
| Efficiency ratio | 64.7879% | 2,894 |
| Assets per employee ($millions) | 2.9963% | 4,895 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6776% | 177 |
| Loan loss allowance to noncurrent loans | 225.7329% | 1,906 |
| Noncurrent assets plus other real estate owned to assets | 0.7881% | 1,751 |
| Noncurrent loans to loans | 1.1862% | 1,322 |
| Net loans and leases to total assets | 64.6642% | 3,219 |
| Net loans and leases to deposits | 74.1020% | 3,464 |
| Net loans and leases to core deposits | 75.2105% | 3,744 |
| Total domestic deposits to total assets | 87.2638% | 1,398 |
| Equity capital to assets | 12.4820% | 1,921 |
| Core capital (leverage) ratio | 13.0202% | 1,332 |
| Tier 1 risk-based capital ratio | 19.0704% | 1,552 |
| Total risk-based capital ratio | 20.3373% | 1,519 |
| Memoranda: | ||
| Average total assets | $35,810,000 | 5,033 |
| Average earning assets | $32,162,250 | 5,034 |
| Average equity | $4,660,500 | 4,992 |
| Average total loans | $24,354,500 | 4,839 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2329% | 161 |
| Cost of funding earning assets | 0.4438% | 4,348 |
| Net interest margin | 5.7891% | 81 |
| Noninterest income to average assets | 0.8975% | 1,076 |
| Noninterest expense to average assets | 4.1539% | 441 |
| Loan and lease loss provision to assets | 0.3452% | 377 |
| Net operating income to assets | 1.2255% | 2,053 |
| Return on assets (ROA) | 1.2255% | 2,113 |
| Pretax return on assets | 1.5764% | 1,621 |
| Return on Equity (ROE) | 9.2743% | 2,744 |
| Retained earnings to average equity (ytd only) | 9.2743% | 964 |
| Net charge-offs to loans | 0.0335% | 2,192 |
| Credit loss provision to net charge-offs | 1,500.0000% | 239 |
| Earnings coverage of net charge-offs (x) | 83.5000% | 786 |
| Efficiency ratio | 68.3712% | 2,472 |
| Assets per employee ($millions) | 2.7623% | 5,033 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6560% | 182 |
| Loan loss allowance to noncurrent loans | 908.2192% | 645 |
| Noncurrent assets plus other real estate owned to assets | 0.2033% | 3,763 |
| Noncurrent loans to loans | 0.2924% | 3,484 |
| Net loans and leases to total assets | 67.6664% | 2,866 |
| Net loans and leases to deposits | 78.0741% | 3,146 |
| Net loans and leases to core deposits | 78.0741% | 3,573 |
| Total domestic deposits to total assets | 86.6695% | 1,736 |
| Equity capital to assets | 13.0994% | 1,543 |
| Core capital (leverage) ratio | 13.3152% | 1,183 |
| Tier 1 risk-based capital ratio | 19.4791% | 1,442 |
| Total risk-based capital ratio | 20.7462% | 1,411 |
| Memoranda: | ||
| Average total assets | $34,762,670 | 5,083 |
| Average earning assets | $31,093,000 | 5,085 |
| Average equity | $4,593,330 | 5,034 |
| Average total loans | $23,845,670 | 4,891 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0672% | 200 |
| Cost of funding earning assets | 0.3808% | 4,571 |
| Net interest margin | 5.6863% | 89 |
| Noninterest income to average assets | 0.8541% | 1,162 |
| Noninterest expense to average assets | 4.1768% | 417 |
| Loan and lease loss provision to assets | 0.3510% | 338 |
| Net operating income to assets | 1.0998% | 2,469 |
| Return on assets (ROA) | 1.0998% | 2,517 |
| Pretax return on assets | 1.3923% | 2,108 |
| Return on Equity (ROE) | 8.2856% | 3,121 |
| Retained earnings to average equity (ytd only) | 8.2856% | 1,554 |
| Net charge-offs to loans | 0.0515% | 1,547 |
| Credit loss provision to net charge-offs | 1,000.0000% | 360 |
| Earnings coverage of net charge-offs (x) | 49.6667% | 1,033 |
| Efficiency ratio | 70.5534% | 2,256 |
| Assets per employee ($millions) | 2.7246% | 5,106 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7459% | 176 |
| Loan loss allowance to noncurrent loans | 576.3636% | 930 |
| Noncurrent assets plus other real estate owned to assets | 0.3106% | 3,362 |
| Noncurrent loans to loans | 0.4764% | 2,886 |
| Net loans and leases to total assets | 63.3964% | 3,360 |
| Net loans and leases to deposits | 73.0196% | 3,529 |
| Net loans and leases to core deposits | 73.0196% | 3,865 |
| Total domestic deposits to total assets | 86.8210% | 1,900 |
| Equity capital to assets | 12.9447% | 1,486 |
| Core capital (leverage) ratio | 13.1658% | 1,197 |
| Tier 1 risk-based capital ratio | 20.5109% | 1,245 |
| Total risk-based capital ratio | 21.7813% | 1,221 |
| Memoranda: | ||
| Average total assets | $34,189,000 | 5,145 |
| Average earning assets | $30,459,000 | 5,143 |
| Average equity | $4,538,000 | 5,082 |
| Average total loans | $23,287,500 | 4,963 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6218% | 80 |
| Cost of funding earning assets | 0.2039% | 4,982 |
| Net interest margin | 6.4179% | 55 |
| Noninterest income to average assets | 1.0479% | 862 |
| Noninterest expense to average assets | 4.2716% | 375 |
| Loan and lease loss provision to assets | 0.4453% | 289 |
| Net operating income to assets | 1.5614% | 964 |
| Return on assets (ROA) | 1.5614% | 958 |
| Pretax return on assets | 2.0304% | 528 |
| Return on Equity (ROE) | 12.2519% | 1,628 |
| Retained earnings to average equity (ytd only) | 6.7316% | 1,794 |
| Net charge-offs to loans | 0.4474% | 407 |
| Credit loss provision to net charge-offs | 144.2308% | 1,886 |
| Earnings coverage of net charge-offs (x) | 8.0192% | 2,932 |
| Efficiency ratio | 63.3084% | 3,285 |
| Assets per employee ($millions) | 2.9962% | 4,995 |
| Cash dividends to net income (ytd only)* | 45.0570% | 2,244 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5845% | 208 |
| Loan loss allowance to noncurrent loans | 182.8313% | 2,385 |
| Noncurrent assets plus other real estate owned to assets | 1.0073% | 1,362 |
| Noncurrent loans to loans | 1.4136% | 1,101 |
| Net loans and leases to total assets | 69.4187% | 2,672 |
| Net loans and leases to deposits | 80.5570% | 2,894 |
| Net loans and leases to core deposits | 80.5570% | 3,388 |
| Total domestic deposits to total assets | 86.1733% | 2,143 |
| Equity capital to assets | 13.6264% | 1,094 |
| Core capital (leverage) ratio | 13.4999% | 1,077 |
| Tier 1 risk-based capital ratio | 20.4863% | 1,228 |
| Total risk-based capital ratio | 21.7544% | 1,199 |
| Memoranda: | ||
| Average total assets | $33,688,000 | 5,197 |
| Average earning assets | $29,916,200 | 5,197 |
| Average equity | $4,293,200 | 5,141 |
| Average total loans | $23,244,400 | 4,991 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7301% | 70 |
| Cost of funding earning assets | 0.2087% | 4,986 |
| Net interest margin | 6.5215% | 49 |
| Noninterest income to average assets | 1.0195% | 924 |
| Noninterest expense to average assets | 4.3537% | 339 |
| Loan and lease loss provision to assets | 0.4330% | 285 |
| Net operating income to assets | 1.5510% | 1,065 |
| Return on assets (ROA) | 1.5510% | 1,065 |
| Pretax return on assets | 2.0155% | 598 |
| Return on Equity (ROE) | 12.3787% | 1,649 |
| Retained earnings to average equity (ytd only) | 4.9327% | 3,272 |
| Net charge-offs to loans | 0.3106% | 536 |
| Credit loss provision to net charge-offs | 203.7037% | 1,362 |
| Earnings coverage of net charge-offs (x) | 11.5182% | 2,507 |
| Efficiency ratio | 64.0046% | 3,183 |
| Assets per employee ($millions) | 2.8166% | 5,148 |
| Cash dividends to net income (ytd only)* | 60.1519% | 1,196 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5937% | 211 |
| Loan loss allowance to noncurrent loans | 156.5990% | 2,664 |
| Noncurrent assets plus other real estate owned to assets | 1.1657% | 1,212 |
| Noncurrent loans to loans | 1.6563% | 946 |
| Net loans and leases to total assets | 68.5553% | 2,857 |
| Net loans and leases to deposits | 79.1873% | 3,125 |
| Net loans and leases to core deposits | 79.1873% | 3,557 |
| Total domestic deposits to total assets | 86.5736% | 1,929 |
| Equity capital to assets | 12.8968% | 1,382 |
| Core capital (leverage) ratio | 13.0143% | 1,275 |
| Tier 1 risk-based capital ratio | 19.8145% | 1,373 |
| Total risk-based capital ratio | 21.0828% | 1,335 |
| Memoranda: | ||
| Average total assets | $33,870,500 | 5,262 |
| Average earning assets | $30,033,250 | 5,263 |
| Average equity | $4,243,750 | 5,213 |
| Average total loans | $23,184,000 | 5,056 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0200% | 136 |
| Cost of funding earning assets | 0.2257% | 4,882 |
| Net interest margin | 5.7944% | 81 |
| Noninterest income to average assets | 0.9972% | 967 |
| Noninterest expense to average assets | 4.1777% | 424 |
| Loan and lease loss provision to assets | 0.3599% | 357 |
| Net operating income to assets | 1.2509% | 1,976 |
| Return on assets (ROA) | 1.2509% | 1,976 |
| Pretax return on assets | 1.6109% | 1,467 |
| Return on Equity (ROE) | 10.0824% | 2,528 |
| Retained earnings to average equity (ytd only) | -1.1890% | 5,091 |
| Net charge-offs to loans | -0.0696% | 5,036 |
| Credit loss provision to net charge-offs | -762.5000% | 4,455 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9463% | 2,653 |
| Assets per employee ($millions) | 2.6145% | 5,302 |
| Cash dividends to net income (ytd only)* | 111.7925% | 297 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7476% | 190 |
| Loan loss allowance to noncurrent loans | 129.0984% | 3,006 |
| Noncurrent assets plus other real estate owned to assets | 1.4358% | 942 |
| Noncurrent loans to loans | 2.1283% | 667 |
| Net loans and leases to total assets | 65.6085% | 3,203 |
| Net loans and leases to deposits | 75.0227% | 3,438 |
| Net loans and leases to core deposits | 75.7670% | 3,759 |
| Total domestic deposits to total assets | 87.4515% | 1,668 |
| Equity capital to assets | 12.2896% | 1,669 |
| Core capital (leverage) ratio | 12.2611% | 1,562 |
| Tier 1 risk-based capital ratio | 19.5782% | 1,408 |
| Total risk-based capital ratio | 20.8484% | 1,367 |
| Memoranda: | ||
| Average total assets | $33,894,330 | 5,326 |
| Average earning assets | $30,132,670 | 5,329 |
| Average equity | $4,205,330 | 5,276 |
| Average total loans | $22,982,670 | 5,122 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8907% | 161 |
| Cost of funding earning assets | 0.2665% | 4,605 |
| Net interest margin | 5.6241% | 92 |
| Noninterest income to average assets | 1.0045% | 902 |
| Noninterest expense to average assets | 4.1598% | 435 |
| Loan and lease loss provision to assets | 0.3545% | 343 |
| Net operating income to assets | 1.1463% | 2,236 |
| Return on assets (ROA) | 1.1463% | 2,247 |
| Pretax return on assets | 1.4772% | 1,739 |
| Return on Equity (ROE) | 9.1954% | 2,809 |
| Retained earnings to average equity (ytd only) | 3.3179% | 3,879 |
| Net charge-offs to loans | 0.3825% | 410 |
| Credit loss provision to net charge-offs | 136.3636% | 1,290 |
| Earnings coverage of net charge-offs (x) | 7.0455% | 2,122 |
| Efficiency ratio | 69.4280% | 2,592 |
| Assets per employee ($millions) | 2.8507% | 5,252 |
| Cash dividends to net income (ytd only)* | 63.9175% | 1,156 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5040% | 251 |
| Loan loss allowance to noncurrent loans | 125.8850% | 3,043 |
| Noncurrent assets plus other real estate owned to assets | 1.3213% | 1,120 |
| Noncurrent loans to loans | 1.9891% | 805 |
| Net loans and leases to total assets | 64.7656% | 3,206 |
| Net loans and leases to deposits | 74.1243% | 3,405 |
| Net loans and leases to core deposits | 74.8556% | 3,753 |
| Total domestic deposits to total assets | 87.3743% | 1,966 |
| Equity capital to assets | 12.3860% | 1,556 |
| Core capital (leverage) ratio | 12.3882% | 1,437 |
| Tier 1 risk-based capital ratio | 19.7787% | 1,382 |
| Total risk-based capital ratio | 21.0438% | 1,351 |
| Memoranda: | ||
| Average total assets | $33,847,500 | 5,379 |
| Average earning assets | $30,013,500 | 5,387 |
| Average equity | $4,219,500 | 5,327 |
| Average total loans | $23,009,500 | 5,173 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9249% | 149 |
| Cost of funding earning assets | 0.3090% | 4,049 |
| Net interest margin | 5.6159% | 91 |
| Noninterest income to average assets | 0.9742% | 1,083 |
| Noninterest expense to average assets | 4.0176% | 523 |
| Loan and lease loss provision to assets | 0.1150% | 1,976 |
| Net operating income to assets | 0.9196% | 2,599 |
| Return on assets (ROA) | 0.9196% | 2,630 |
| Pretax return on assets | 1.8565% | 676 |
| Return on Equity (ROE) | 7.6267% | 2,991 |
| Retained earnings to average equity (ytd only) | 1.7637% | 4,259 |
| Net charge-offs to loans | 1.0019% | 176 |
| Credit loss provision to net charge-offs | 16.9492% | 3,630 |
| Earnings coverage of net charge-offs (x) | 2.9068% | 3,677 |
| Efficiency ratio | 67.0825% | 3,064 |
| Assets per employee ($millions) | 2.7906% | 5,329 |
| Cash dividends to net income (ytd only)* | 76.8750% | 949 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4082% | 279 |
| Loan loss allowance to noncurrent loans | 448.8000% | 1,214 |
| Noncurrent assets plus other real estate owned to assets | 0.4778% | 2,969 |
| Noncurrent loans to loans | 0.5366% | 2,893 |
| Net loans and leases to total assets | 67.8890% | 2,835 |
| Net loans and leases to deposits | 77.6992% | 3,150 |
| Net loans and leases to core deposits | 78.5014% | 3,544 |
| Total domestic deposits to total assets | 87.3742% | 1,822 |
| Equity capital to assets | 12.5482% | 1,487 |
| Core capital (leverage) ratio | 12.3117% | 1,438 |
| Tier 1 risk-based capital ratio | 19.5406% | 1,407 |
| Total risk-based capital ratio | 20.5962% | 1,418 |
| Memoranda: | ||
| Average total assets | $34,796,600 | 5,416 |
| Average earning assets | $31,072,400 | 5,422 |
| Average equity | $4,195,800 | 5,393 |
| Average total loans | $23,554,400 | 5,208 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8936% | 148 |
| Cost of funding earning assets | 0.3097% | 4,034 |
| Net interest margin | 5.5839% | 91 |
| Noninterest income to average assets | 0.9186% | 1,218 |
| Noninterest expense to average assets | 3.9934% | 522 |
| Loan and lease loss provision to assets | 0.0380% | 3,346 |
| Net operating income to assets | 1.2451% | 1,530 |
| Return on assets (ROA) | 1.2451% | 1,553 |
| Pretax return on assets | 1.8828% | 719 |
| Return on Equity (ROE) | 10.4267% | 1,941 |
| Retained earnings to average equity (ytd only) | 4.5457% | 3,190 |
| Net charge-offs to loans | 0.4516% | 461 |
| Credit loss provision to net charge-offs | 12.5000% | 3,208 |
| Earnings coverage of net charge-offs (x) | 6.3252% | 2,996 |
| Efficiency ratio | 67.5225% | 2,960 |
| Assets per employee ($millions) | 2.8679% | 5,345 |
| Cash dividends to net income (ytd only)* | 56.4026% | 1,483 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9197% | 168 |
| Loan loss allowance to noncurrent loans | 274.8000% | 1,709 |
| Noncurrent assets plus other real estate owned to assets | 0.9008% | 1,898 |
| Noncurrent loans to loans | 1.0625% | 1,818 |
| Net loans and leases to total assets | 66.3751% | 3,059 |
| Net loans and leases to deposits | 76.1560% | 3,358 |
| Net loans and leases to core deposits | 76.9202% | 3,732 |
| Total domestic deposits to total assets | 87.1568% | 1,792 |
| Equity capital to assets | 12.4103% | 1,714 |
| Core capital (leverage) ratio | 12.2448% | 1,545 |
| Tier 1 risk-based capital ratio | 19.5299% | 1,471 |
| Total risk-based capital ratio | 20.8011% | 1,432 |
| Memoranda: | ||
| Average total assets | $35,124,000 | 5,469 |
| Average earning assets | $31,423,000 | 5,477 |
| Average equity | $4,194,250 | 5,454 |
| Average total loans | $23,619,250 | 5,259 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8244% | 158 |
| Cost of funding earning assets | 0.3092% | 3,991 |
| Net interest margin | 5.5152% | 101 |
| Noninterest income to average assets | 0.8937% | 1,287 |
| Noninterest expense to average assets | 3.9592% | 557 |
| Loan and lease loss provision to assets | 0.0566% | 2,842 |
| Net operating income to assets | 1.2047% | 1,581 |
| Return on assets (ROA) | 1.2047% | 1,616 |
| Pretax return on assets | 1.8212% | 793 |
| Return on Equity (ROE) | 10.2191% | 1,945 |
| Retained earnings to average equity (ytd only) | 4.3179% | 3,135 |
| Net charge-offs to loans | 0.3298% | 610 |
| Credit loss provision to net charge-offs | 25.6410% | 2,750 |
| Earnings coverage of net charge-offs (x) | 8.5128% | 2,503 |
| Efficiency ratio | 67.8295% | 3,043 |
| Assets per employee ($millions) | 2.9846% | 5,280 |
| Cash dividends to net income (ytd only)* | 57.7465% | 1,587 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1171% | 142 |
| Loan loss allowance to noncurrent loans | 266.6667% | 1,747 |
| Noncurrent assets plus other real estate owned to assets | 0.7623% | 2,301 |
| Noncurrent loans to loans | 1.1689% | 1,676 |
| Net loans and leases to total assets | 63.1774% | 3,495 |
| Net loans and leases to deposits | 71.8295% | 3,759 |
| Net loans and leases to core deposits | 72.5155% | 4,053 |
| Total domestic deposits to total assets | 87.9548% | 1,475 |
| Equity capital to assets | 11.7772% | 2,093 |
| Core capital (leverage) ratio | 11.7421% | 1,801 |
| Tier 1 risk-based capital ratio | 18.6382% | 1,683 |
| Total risk-based capital ratio | 19.9107% | 1,645 |
| Memoranda: | ||
| Average total assets | $35,360,330 | 5,517 |
| Average earning assets | $31,694,000 | 5,514 |
| Average equity | $4,168,670 | 5,497 |
| Average total loans | $23,649,000 | 5,295 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6237% | 197 |
| Cost of funding earning assets | 0.3040% | 4,005 |
| Net interest margin | 5.3197% | 131 |
| Noninterest income to average assets | 0.8881% | 1,281 |
| Noninterest expense to average assets | 3.9735% | 557 |
| Loan and lease loss provision to assets | 0.0911% | 2,019 |
| Net operating income to assets | 1.0702% | 1,981 |
| Return on assets (ROA) | 1.0702% | 2,026 |
| Pretax return on assets | 1.6053% | 1,219 |
| Return on Equity (ROE) | 9.0734% | 2,382 |
| Retained earnings to average equity (ytd only) | 3.0888% | 3,871 |
| Net charge-offs to loans | -0.1345% | 5,534 |
| Credit loss provision to net charge-offs | -100.0000% | 3,937 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0803% | 2,876 |
| Assets per employee ($millions) | 2.9763% | 5,371 |
| Cash dividends to net income (ytd only)* | 65.9574% | 1,252 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3121% | 129 |
| Loan loss allowance to noncurrent loans | 238.5802% | 1,962 |
| Noncurrent assets plus other real estate owned to assets | 0.9072% | 2,041 |
| Noncurrent loans to loans | 1.3882% | 1,454 |
| Net loans and leases to total assets | 63.1818% | 3,377 |
| Net loans and leases to deposits | 71.7223% | 3,635 |
| Net loans and leases to core deposits | 72.4174% | 3,953 |
| Total domestic deposits to total assets | 88.0922% | 1,670 |
| Equity capital to assets | 11.6474% | 2,083 |
| Core capital (leverage) ratio | 11.7458% | 1,789 |
| Tier 1 risk-based capital ratio | 18.8023% | 1,659 |
| Total risk-based capital ratio | 20.0814% | 1,607 |
| Memoranda: | ||
| Average total assets | $35,133,000 | 5,579 |
| Average earning assets | $31,580,500 | 5,583 |
| Average equity | $4,144,000 | 5,556 |
| Average total loans | $23,796,000 | 5,342 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3462% | 80 |
| Cost of funding earning assets | 0.2513% | 4,554 |
| Net interest margin | 6.0949% | 63 |
| Noninterest income to average assets | 1.0868% | 959 |
| Noninterest expense to average assets | 3.9811% | 617 |
| Loan and lease loss provision to assets | 0.1651% | 1,488 |
| Net operating income to assets | 1.5582% | 750 |
| Return on assets (ROA) | 1.5582% | 774 |
| Pretax return on assets | 2.4019% | 230 |
| Return on Equity (ROE) | 13.0389% | 985 |
| Retained earnings to average equity (ytd only) | 6.8586% | 1,285 |
| Net charge-offs to loans | 0.0041% | 4,102 |
| Credit loss provision to net charge-offs | 5,500.0000% | 84 |
| Earnings coverage of net charge-offs (x) | 855.0000% | 90 |
| Efficiency ratio | 60.7978% | 4,456 |
| Assets per employee ($millions) | 2.6577% | 5,582 |
| Cash dividends to net income (ytd only)* | 47.3988% | 2,441 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1213% | 152 |
| Loan loss allowance to noncurrent loans | 442.6901% | 1,171 |
| Noncurrent assets plus other real estate owned to assets | 0.4949% | 3,279 |
| Noncurrent loans to loans | 0.7051% | 2,772 |
| Net loans and leases to total assets | 68.0058% | 2,767 |
| Net loans and leases to deposits | 77.8091% | 3,125 |
| Net loans and leases to core deposits | 78.5925% | 3,523 |
| Total domestic deposits to total assets | 87.4009% | 1,931 |
| Equity capital to assets | 11.9479% | 1,844 |
| Core capital (leverage) ratio | 11.9379% | 1,639 |
| Tier 1 risk-based capital ratio | 18.4533% | 1,739 |
| Total risk-based capital ratio | 19.7273% | 1,701 |
| Memoranda: | ||
| Average total assets | $33,307,400 | 5,664 |
| Average earning assets | $29,844,400 | 5,662 |
| Average equity | $3,980,400 | 5,646 |
| Average total loans | $24,250,800 | 5,379 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3991% | 78 |
| Cost of funding earning assets | 0.2258% | 4,830 |
| Net interest margin | 6.1733% | 59 |
| Noninterest income to average assets | 1.0546% | 1,019 |
| Noninterest expense to average assets | 4.0003% | 587 |
| Loan and lease loss provision to assets | 0.1818% | 1,219 |
| Net operating income to assets | 1.5516% | 794 |
| Return on assets (ROA) | 1.5516% | 835 |
| Pretax return on assets | 2.3961% | 257 |
| Return on Equity (ROE) | 12.9831% | 1,062 |
| Retained earnings to average equity (ytd only) | 6.7283% | 1,770 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8108% | 4,424 |
| Assets per employee ($millions) | 2.6542% | 5,637 |
| Cash dividends to net income (ytd only)* | 48.1767% | 1,977 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0288% | 178 |
| Loan loss allowance to noncurrent loans | 434.8837% | 1,191 |
| Noncurrent assets plus other real estate owned to assets | 0.4985% | 3,452 |
| Noncurrent loans to loans | 0.6965% | 2,943 |
| Net loans and leases to total assets | 69.4044% | 2,586 |
| Net loans and leases to deposits | 79.2482% | 3,055 |
| Net loans and leases to core deposits | 80.7227% | 3,378 |
| Total domestic deposits to total assets | 87.5786% | 1,626 |
| Equity capital to assets | 11.7490% | 2,302 |
| Core capital (leverage) ratio | 12.1210% | 1,591 |
| Tier 1 risk-based capital ratio | 18.1867% | 1,862 |
| Total risk-based capital ratio | 19.4608% | 1,830 |
| Memoranda: | ||
| Average total assets | $32,996,750 | 5,734 |
| Average earning assets | $29,524,250 | 5,728 |
| Average equity | $3,943,500 | 5,711 |
| Average total loans | $24,250,250 | 5,433 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3089% | 89 |
| Cost of funding earning assets | 0.2275% | 4,869 |
| Net interest margin | 6.0814% | 66 |
| Noninterest income to average assets | 1.0156% | 1,080 |
| Noninterest expense to average assets | 4.0254% | 573 |
| Loan and lease loss provision to assets | 0.1846% | 1,179 |
| Net operating income to assets | 1.4464% | 973 |
| Return on assets (ROA) | 1.4464% | 1,027 |
| Pretax return on assets | 2.2343% | 348 |
| Return on Equity (ROE) | 12.0307% | 1,311 |
| Retained earnings to average equity (ytd only) | 5.7338% | 2,276 |
| Net charge-offs to loans | 0.0083% | 3,413 |
| Credit loss provision to net charge-offs | 3,000.0000% | 143 |
| Earnings coverage of net charge-offs (x) | 393.0000% | 176 |
| Efficiency ratio | 62.4642% | 4,274 |
| Assets per employee ($millions) | 2.5065% | 5,779 |
| Cash dividends to net income (ytd only)* | 52.3404% | 1,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9674% | 205 |
| Loan loss allowance to noncurrent loans | 400.0000% | 1,289 |
| Noncurrent assets plus other real estate owned to assets | 0.9360% | 2,278 |
| Noncurrent loans to loans | 0.7419% | 2,884 |
| Net loans and leases to total assets | 73.4594% | 1,939 |
| Net loans and leases to deposits | 84.0656% | 2,460 |
| Net loans and leases to core deposits | 84.9608% | 2,993 |
| Total domestic deposits to total assets | 87.3834% | 1,722 |
| Equity capital to assets | 12.1747% | 1,993 |
| Core capital (leverage) ratio | 11.9033% | 1,699 |
| Tier 1 risk-based capital ratio | 17.9950% | 1,933 |
| Total risk-based capital ratio | 19.2697% | 1,893 |
| Memoranda: | ||
| Average total assets | $32,494,000 | 5,811 |
| Average earning assets | $29,006,670 | 5,807 |
| Average equity | $3,906,670 | 5,780 |
| Average total loans | $24,101,670 | 5,498 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0441% | 116 |
| Cost of funding earning assets | 0.2208% | 4,994 |
| Net interest margin | 5.8233% | 81 |
| Noninterest income to average assets | 0.9985% | 1,079 |
| Noninterest expense to average assets | 4.0309% | 578 |
| Loan and lease loss provision to assets | 0.1849% | 1,076 |
| Net operating income to assets | 1.2820% | 1,300 |
| Return on assets (ROA) | 1.2820% | 1,389 |
| Pretax return on assets | 1.9847% | 587 |
| Return on Equity (ROE) | 10.7313% | 1,705 |
| Retained earnings to average equity (ytd only) | 4.4370% | 3,268 |
| Net charge-offs to loans | 0.0504% | 2,032 |
| Credit loss provision to net charge-offs | 500.0000% | 597 |
| Earnings coverage of net charge-offs (x) | 58.6667% | 795 |
| Efficiency ratio | 65.0099% | 3,974 |
| Assets per employee ($millions) | 2.5291% | 5,832 |
| Cash dividends to net income (ytd only)* | 58.6538% | 1,483 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0058% | 222 |
| Loan loss allowance to noncurrent loans | 1,276.7857% | 467 |
| Noncurrent assets plus other real estate owned to assets | 0.5414% | 3,446 |
| Noncurrent loans to loans | 0.2354% | 4,587 |
| Net loans and leases to total assets | 70.1746% | 2,314 |
| Net loans and leases to deposits | 79.8754% | 2,808 |
| Net loans and leases to core deposits | 81.4258% | 3,184 |
| Total domestic deposits to total assets | 87.8551% | 1,723 |
| Equity capital to assets | 11.8560% | 2,114 |
| Core capital (leverage) ratio | 11.8889% | 1,686 |
| Tier 1 risk-based capital ratio | 18.2141% | 1,927 |
| Total risk-based capital ratio | 19.4897% | 1,882 |
| Memoranda: | ||
| Average total assets | $32,449,000 | 5,872 |
| Average earning assets | $28,987,000 | 5,864 |
| Average equity | $3,876,500 | 5,832 |
| Average total loans | $23,818,500 | 5,556 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3228% | 93 |
| Cost of funding earning assets | 0.2284% | 5,021 |
| Net interest margin | 6.0944% | 67 |
| Noninterest income to average assets | 1.2616% | 751 |
| Noninterest expense to average assets | 3.9453% | 721 |
| Loan and lease loss provision to assets | 0.5491% | 205 |
| Net operating income to assets | 1.4128% | 1,019 |
| Return on assets (ROA) | 1.4128% | 1,055 |
| Pretax return on assets | 2.1994% | 347 |
| Return on Equity (ROE) | 12.1867% | 1,257 |
| Retained earnings to average equity (ytd only) | 5.6410% | 1,991 |
| Net charge-offs to loans | 0.7641% | 300 |
| Credit loss provision to net charge-offs | 94.1799% | 2,676 |
| Earnings coverage of net charge-offs (x) | 4.7143% | 3,501 |
| Efficiency ratio | 58.9401% | 5,034 |
| Assets per employee ($millions) | 2.6683% | 5,796 |
| Cash dividends to net income (ytd only)* | 53.7118% | 2,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9476% | 233 |
| Loan loss allowance to noncurrent loans | 1,191.5254% | 515 |
| Noncurrent assets plus other real estate owned to assets | 0.5653% | 3,395 |
| Noncurrent loans to loans | 0.2474% | 4,545 |
| Net loans and leases to total assets | 72.2892% | 1,998 |
| Net loans and leases to deposits | 82.9344% | 2,481 |
| Net loans and leases to core deposits | 83.8356% | 2,980 |
| Total domestic deposits to total assets | 87.1643% | 2,044 |
| Equity capital to assets | 12.0394% | 1,927 |
| Core capital (leverage) ratio | 12.0676% | 1,576 |
| Tier 1 risk-based capital ratio | 18.1891% | 1,911 |
| Total risk-based capital ratio | 19.4631% | 1,871 |
| Memoranda: | ||
| Average total assets | $32,418,600 | 5,922 |
| Average earning assets | $28,895,400 | 5,922 |
| Average equity | $3,758,200 | 5,894 |
| Average total loans | $24,735,600 | 5,562 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3303% | 91 |
| Cost of funding earning assets | 0.2350% | 5,039 |
| Net interest margin | 6.0954% | 68 |
| Noninterest income to average assets | 1.2300% | 796 |
| Noninterest expense to average assets | 3.8583% | 781 |
| Loan and lease loss provision to assets | 0.5453% | 178 |
| Net operating income to assets | 1.4433% | 1,020 |
| Return on assets (ROA) | 1.4433% | 1,069 |
| Pretax return on assets | 2.2510% | 367 |
| Return on Equity (ROE) | 12.5688% | 1,225 |
| Retained earnings to average equity (ytd only) | 5.9987% | 2,249 |
| Net charge-offs to loans | 1.1273% | 153 |
| Credit loss provision to net charge-offs | 63.0332% | 2,878 |
| Earnings coverage of net charge-offs (x) | 3.2322% | 3,538 |
| Efficiency ratio | 57.9791% | 5,121 |
| Assets per employee ($millions) | 2.6438% | 5,874 |
| Cash dividends to net income (ytd only)* | 52.2735% | 1,778 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6066% | 378 |
| Loan loss allowance to noncurrent loans | 1,060.0000% | 543 |
| Noncurrent assets plus other real estate owned to assets | 0.7565% | 3,009 |
| Noncurrent loans to loans | 0.2459% | 4,694 |
| Net loans and leases to total assets | 74.9039% | 1,565 |
| Net loans and leases to deposits | 86.9203% | 2,038 |
| Net loans and leases to core deposits | 89.6518% | 2,498 |
| Total domestic deposits to total assets | 86.1754% | 2,454 |
| Equity capital to assets | 12.0122% | 2,095 |
| Core capital (leverage) ratio | 11.6676% | 1,909 |
| Tier 1 risk-based capital ratio | 17.9383% | 2,041 |
| Total risk-based capital ratio | 19.2092% | 2,002 |
| Memoranda: | ||
| Average total assets | $32,518,250 | 6,001 |
| Average earning assets | $28,939,250 | 5,998 |
| Average equity | $3,734,000 | 5,979 |
| Average total loans | $24,957,000 | 5,620 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3228% | 91 |
| Cost of funding earning assets | 0.2329% | 5,116 |
| Net interest margin | 6.0899% | 71 |
| Noninterest income to average assets | 1.2690% | 758 |
| Noninterest expense to average assets | 3.7703% | 906 |
| Loan and lease loss provision to assets | 0.5369% | 177 |
| Net operating income to assets | 1.5313% | 855 |
| Return on assets (ROA) | 1.5313% | 896 |
| Pretax return on assets | 2.3854% | 297 |
| Return on Equity (ROE) | 13.5371% | 1,001 |
| Retained earnings to average equity (ytd only) | 6.9034% | 1,740 |
| Net charge-offs to loans | 1.1296% | 169 |
| Credit loss provision to net charge-offs | 61.9718% | 2,571 |
| Earnings coverage of net charge-offs (x) | 3.3732% | 3,204 |
| Efficiency ratio | 56.3355% | 5,398 |
| Assets per employee ($millions) | 2.7712% | 5,839 |
| Cash dividends to net income (ytd only)* | 49.0040% | 1,984 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6156% | 422 |
| Loan loss allowance to noncurrent loans | 223.7288% | 2,058 |
| Noncurrent assets plus other real estate owned to assets | 1.3532% | 1,849 |
| Noncurrent loans to loans | 1.1691% | 2,312 |
| Net loans and leases to total assets | 73.8949% | 1,680 |
| Net loans and leases to deposits | 84.8252% | 2,206 |
| Net loans and leases to core deposits | 85.6650% | 2,800 |
| Total domestic deposits to total assets | 87.1143% | 2,102 |
| Equity capital to assets | 11.3400% | 2,537 |
| Core capital (leverage) ratio | 11.3257% | 2,140 |
| Tier 1 risk-based capital ratio | 179.2300% | 30 |
| Total risk-based capital ratio | 180.8460% | 30 |
| Memoranda: | ||
| Average total assets | $32,782,330 | 6,066 |
| Average earning assets | $29,196,000 | 6,058 |
| Average equity | $3,708,330 | 6,044 |
| Average total loans | $25,142,670 | 5,660 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4204% | 81 |
| Cost of funding earning assets | 0.2357% | 5,164 |
| Net interest margin | 6.1847% | 68 |
| Noninterest income to average assets | 1.2044% | 784 |
| Noninterest expense to average assets | 3.7854% | 896 |
| Loan and lease loss provision to assets | 0.4302% | 255 |
| Net operating income to assets | 1.5854% | 728 |
| Return on assets (ROA) | 1.5854% | 764 |
| Pretax return on assets | 2.4703% | 258 |
| Return on Equity (ROE) | 14.0332% | 871 |
| Retained earnings to average equity (ytd only) | 7.3973% | 1,813 |
| Net charge-offs to loans | 1.1316% | 206 |
| Credit loss provision to net charge-offs | 49.2958% | 2,109 |
| Earnings coverage of net charge-offs (x) | 3.3239% | 2,619 |
| Efficiency ratio | 56.6176% | 5,473 |
| Assets per employee ($millions) | 2.5808% | 6,054 |
| Cash dividends to net income (ytd only)* | 47.2868% | 1,821 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7065% | 405 |
| Loan loss allowance to noncurrent loans | 162.9808% | 2,610 |
| Noncurrent assets plus other real estate owned to assets | 1.7019% | 1,470 |
| Noncurrent loans to loans | 1.6606% | 1,674 |
| Net loans and leases to total assets | 72.6468% | 1,708 |
| Net loans and leases to deposits | 82.8337% | 2,228 |
| Net loans and leases to core deposits | 85.2471% | 2,624 |
| Total domestic deposits to total assets | 87.7019% | 1,985 |
| Equity capital to assets | 11.0611% | 2,908 |
| Core capital (leverage) ratio | 11.2629% | 2,183 |
| Tier 1 risk-based capital ratio | 105.3962% | 51 |
| Total risk-based capital ratio | 106.8730% | 52 |
| Memoranda: | ||
| Average total assets | $32,546,500 | 6,132 |
| Average earning assets | $28,845,500 | 6,129 |
| Average equity | $3,677,000 | 6,106 |
| Average total loans | $25,097,500 | 5,709 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4099% | 97 |
| Cost of funding earning assets | 0.2547% | 5,273 |
| Net interest margin | 6.1551% | 76 |
| Noninterest income to average assets | 1.1030% | 1,001 |
| Noninterest expense to average assets | 3.8207% | 960 |
| Loan and lease loss provision to assets | 0.2911% | 716 |
| Net operating income to assets | 1.5810% | 736 |
| Return on assets (ROA) | 1.5810% | 771 |
| Pretax return on assets | 2.4695% | 202 |
| Return on Equity (ROE) | 14.7319% | 825 |
| Retained earnings to average equity (ytd only) | 8.3652% | 886 |
| Net charge-offs to loans | 0.3098% | 1,418 |
| Credit loss provision to net charge-offs | 123.3766% | 1,942 |
| Earnings coverage of net charge-offs (x) | 11.7013% | 2,459 |
| Efficiency ratio | 58.0540% | 5,450 |
| Assets per employee ($millions) | 2.6286% | 6,081 |
| Cash dividends to net income (ytd only)* | 43.2171% | 2,681 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8396% | 358 |
| Loan loss allowance to noncurrent loans | 119.3980% | 3,315 |
| Noncurrent assets plus other real estate owned to assets | 2.4189% | 961 |
| Noncurrent loans to loans | 2.3783% | 1,088 |
| Net loans and leases to total assets | 77.4498% | 1,078 |
| Net loans and leases to deposits | 88.6172% | 1,660 |
| Net loans and leases to core deposits | 89.5397% | 2,331 |
| Total domestic deposits to total assets | 87.3982% | 2,084 |
| Equity capital to assets | 11.5493% | 2,388 |
| Core capital (leverage) ratio | 11.0021% | 2,409 |
| Tier 1 risk-based capital ratio | 14.5604% | 3,741 |
| Total risk-based capital ratio | 15.8313% | 3,663 |
| Memoranda: | ||
| Average total assets | $32,638,200 | 6,204 |
| Average earning assets | $29,049,000 | 6,200 |
| Average equity | $3,502,600 | 6,182 |
| Average total loans | $24,858,400 | 5,785 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2858% | 114 |
| Cost of funding earning assets | 0.2541% | 5,366 |
| Net interest margin | 6.0316% | 83 |
| Noninterest income to average assets | 1.1100% | 988 |
| Noninterest expense to average assets | 3.8161% | 950 |
| Loan and lease loss provision to assets | 0.3038% | 641 |
| Net operating income to assets | 1.5232% | 894 |
| Return on assets (ROA) | 1.5232% | 932 |
| Pretax return on assets | 2.3739% | 270 |
| Return on Equity (ROE) | 14.4577% | 904 |
| Retained earnings to average equity (ytd only) | 8.2671% | 1,236 |
| Net charge-offs to loans | -0.0054% | 5,307 |
| Credit loss provision to net charge-offs | -7,500.0000% | 6,061 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.7648% | 5,338 |
| Assets per employee ($millions) | 2.5419% | 6,201 |
| Cash dividends to net income (ytd only)* | 42.8190% | 2,213 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0519% | 346 |
| Loan loss allowance to noncurrent loans | 224.4186% | 1,974 |
| Noncurrent assets plus other real estate owned to assets | 1.4405% | 2,144 |
| Noncurrent loans to loans | 1.3599% | 2,375 |
| Net loans and leases to total assets | 74.2140% | 1,493 |
| Net loans and leases to deposits | 84.9699% | 2,034 |
| Net loans and leases to core deposits | 90.7859% | 2,149 |
| Total domestic deposits to total assets | 87.3415% | 2,130 |
| Equity capital to assets | 10.7883% | 3,194 |
| Core capital (leverage) ratio | 10.6823% | 2,833 |
| Tier 1 risk-based capital ratio | 14.5403% | 3,865 |
| Total risk-based capital ratio | 15.8129% | 3,790 |
| Memoranda: | ||
| Average total assets | $32,912,000 | 6,274 |
| Average earning assets | $29,377,750 | 6,269 |
| Average equity | $3,467,500 | 6,255 |
| Average total loans | $24,787,000 | 5,850 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2310% | 112 |
| Cost of funding earning assets | 0.2525% | 5,459 |
| Net interest margin | 5.9785% | 81 |
| Noninterest income to average assets | 1.1257% | 929 |
| Noninterest expense to average assets | 3.8031% | 970 |
| Loan and lease loss provision to assets | 0.3651% | 476 |
| Net operating income to assets | 1.4726% | 921 |
| Return on assets (ROA) | 1.4726% | 959 |
| Pretax return on assets | 2.2880% | 310 |
| Return on Equity (ROE) | 14.0902% | 937 |
| Retained earnings to average equity (ytd only) | 8.2678% | 1,228 |
| Net charge-offs to loans | -0.0487% | 5,862 |
| Credit loss provision to net charge-offs | -1,000.0000% | 5,715 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.9067% | 5,444 |
| Assets per employee ($millions) | 2.7467% | 6,088 |
| Cash dividends to net income (ytd only)* | 41.3223% | 2,344 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0938% | 343 |
| Loan loss allowance to noncurrent loans | 173.5763% | 2,402 |
| Noncurrent assets plus other real estate owned to assets | 1.7324% | 1,879 |
| Noncurrent loans to loans | 1.7824% | 1,929 |
| Net loans and leases to total assets | 72.4150% | 1,667 |
| Net loans and leases to deposits | 82.4456% | 2,200 |
| Net loans and leases to core deposits | 87.2592% | 2,388 |
| Total domestic deposits to total assets | 87.8337% | 2,011 |
| Equity capital to assets | 10.5947% | 3,319 |
| Core capital (leverage) ratio | 10.4931% | 2,960 |
| Tier 1 risk-based capital ratio | 14.6017% | 3,867 |
| Total risk-based capital ratio | 15.8771% | 3,804 |
| Memoranda: | ||
| Average total assets | $32,867,670 | 6,331 |
| Average earning assets | $29,305,000 | 6,330 |
| Average equity | $3,435,000 | 6,306 |
| Average total loans | $24,617,330 | 5,903 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3631% | 100 |
| Cost of funding earning assets | 0.2600% | 5,491 |
| Net interest margin | 6.1031% | 78 |
| Noninterest income to average assets | 1.0603% | 994 |
| Noninterest expense to average assets | 3.8146% | 957 |
| Loan and lease loss provision to assets | 0.5484% | 251 |
| Net operating income to assets | 1.3771% | 1,042 |
| Return on assets (ROA) | 1.3771% | 1,081 |
| Pretax return on assets | 2.1327% | 404 |
| Return on Equity (ROE) | 13.2688% | 1,094 |
| Retained earnings to average equity (ytd only) | 13.2688% | 456 |
| Net charge-offs to loans | -0.0163% | 5,251 |
| Credit loss provision to net charge-offs | -4,500.0000% | 5,583 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.7242% | 5,577 |
| Assets per employee ($millions) | 2.5694% | 6,331 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0270% | 420 |
| Loan loss allowance to noncurrent loans | 221.4925% | 1,927 |
| Noncurrent assets plus other real estate owned to assets | 1.3981% | 2,546 |
| Noncurrent loans to loans | 1.3666% | 2,740 |
| Net loans and leases to total assets | 71.1664% | 1,701 |
| Net loans and leases to deposits | 80.5033% | 2,228 |
| Net loans and leases to core deposits | 85.8717% | 2,333 |
| Total domestic deposits to total assets | 88.4019% | 1,991 |
| Equity capital to assets | 10.3676% | 3,374 |
| Core capital (leverage) ratio | 10.4635% | 2,972 |
| Tier 1 risk-based capital ratio | 14.5584% | 3,977 |
| Total risk-based capital ratio | 15.8322% | 3,906 |
| Memoranda: | ||
| Average total assets | $32,821,500 | 6,397 |
| Average earning assets | $29,231,000 | 6,393 |
| Average equity | $3,406,500 | 6,363 |
| Average total loans | $24,611,000 | 5,957 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5299% | 97 |
| Cost of funding earning assets | 0.3154% | 5,464 |
| Net interest margin | 6.2145% | 66 |
| Noninterest income to average assets | 1.2330% | 917 |
| Noninterest expense to average assets | 3.6744% | 1,326 |
| Loan and lease loss provision to assets | 0.5319% | 509 |
| Net operating income to assets | 1.6327% | 648 |
| Return on assets (ROA) | 1.6327% | 664 |
| Pretax return on assets | 2.5398% | 193 |
| Return on Equity (ROE) | 14.8748% | 788 |
| Retained earnings to average equity (ytd only) | -1.9329% | 6,166 |
| Net charge-offs to loans | 0.3244% | 2,061 |
| Credit loss provision to net charge-offs | 216.2500% | 1,067 |
| Earnings coverage of net charge-offs (x) | 12.4875% | 2,121 |
| Efficiency ratio | 54.4667% | 6,092 |
| Assets per employee ($millions) | 2.6868% | 6,235 |
| Cash dividends to net income (ytd only)* | 112.9944% | 270 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8168% | 581 |
| Loan loss allowance to noncurrent loans | 190.1639% | 2,186 |
| Noncurrent assets plus other real estate owned to assets | 1.5446% | 2,413 |
| Noncurrent loans to loans | 1.4812% | 2,669 |
| Net loans and leases to total assets | 74.4797% | 1,284 |
| Net loans and leases to deposits | 83.9997% | 1,944 |
| Net loans and leases to core deposits | 89.8253% | 2,048 |
| Total domestic deposits to total assets | 88.6666% | 1,819 |
| Equity capital to assets | 10.3905% | 3,297 |
| Core capital (leverage) ratio | 10.4206% | 2,997 |
| Tier 1 risk-based capital ratio | 14.6602% | 3,859 |
| Total risk-based capital ratio | 15.9337% | 3,791 |
| Memoranda: | ||
| Average total assets | $32,522,200 | 6,472 |
| Average earning assets | $28,852,000 | 6,470 |
| Average equity | $3,569,800 | 6,422 |
| Average total loans | $24,660,200 | 6,000 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5799% | 91 |
| Cost of funding earning assets | 0.3278% | 5,485 |
| Net interest margin | 6.2521% | 62 |
| Noninterest income to average assets | 1.1659% | 1,077 |
| Noninterest expense to average assets | 3.6408% | 1,333 |
| Loan and lease loss provision to assets | 0.4623% | 607 |
| Net operating income to assets | 1.6731% | 649 |
| Return on assets (ROA) | 1.6731% | 684 |
| Pretax return on assets | 2.6018% | 217 |
| Return on Equity (ROE) | 15.0443% | 793 |
| Retained earnings to average equity (ytd only) | 15.0443% | 200 |
| Net charge-offs to loans | 0.3949% | 1,623 |
| Credit loss provision to net charge-offs | 154.7945% | 1,528 |
| Earnings coverage of net charge-offs (x) | 10.2604% | 2,380 |
| Efficiency ratio | 54.3014% | 6,085 |
| Assets per employee ($millions) | 2.6671% | 6,310 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6146% | 819 |
| Loan loss allowance to noncurrent loans | 355.2486% | 1,193 |
| Noncurrent assets plus other real estate owned to assets | 1.4779% | 2,719 |
| Noncurrent loans to loans | 0.7360% | 4,375 |
| Net loans and leases to total assets | 74.8321% | 1,153 |
| Net loans and leases to deposits | 85.9008% | 1,626 |
| Net loans and leases to core deposits | 90.9471% | 1,877 |
| Total domestic deposits to total assets | 87.1145% | 2,627 |
| Equity capital to assets | 11.9606% | 1,941 |
| Core capital (leverage) ratio | 11.8134% | 1,805 |
| Tier 1 risk-based capital ratio | 16.3604% | 3,008 |
| Total risk-based capital ratio | 17.6297% | 2,968 |
| Memoranda: | ||
| Average total assets | $32,592,500 | 6,546 |
| Average earning assets | $28,875,000 | 6,543 |
| Average equity | $3,624,750 | 6,488 |
| Average total loans | $24,648,000 | 6,058 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5378% | 95 |
| Cost of funding earning assets | 0.3369% | 5,506 |
| Net interest margin | 6.2009% | 67 |
| Noninterest income to average assets | 1.0919% | 1,281 |
| Noninterest expense to average assets | 3.6415% | 1,350 |
| Loan and lease loss provision to assets | 0.3233% | 1,080 |
| Net operating income to assets | 1.6896% | 636 |
| Return on assets (ROA) | 1.6896% | 693 |
| Pretax return on assets | 2.6290% | 235 |
| Return on Equity (ROE) | 15.5749% | 722 |
| Retained earnings to average equity (ytd only) | 15.5749% | 205 |
| Net charge-offs to loans | 0.0811% | 3,561 |
| Credit loss provision to net charge-offs | 530.0000% | 530 |
| Earnings coverage of net charge-offs (x) | 48.4000% | 820 |
| Efficiency ratio | 55.2266% | 6,048 |
| Assets per employee ($millions) | 2.7401% | 6,234 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6309% | 851 |
| Loan loss allowance to noncurrent loans | 213.2013% | 1,888 |
| Noncurrent assets plus other real estate owned to assets | 1.7791% | 2,441 |
| Noncurrent loans to loans | 1.2340% | 3,487 |
| Net loans and leases to total assets | 72.7107% | 1,450 |
| Net loans and leases to deposits | 82.4755% | 1,997 |
| Net loans and leases to core deposits | 87.1188% | 2,218 |
| Total domestic deposits to total assets | 88.1603% | 2,132 |
| Equity capital to assets | 11.2405% | 2,531 |
| Core capital (leverage) ratio | 11.2095% | 2,166 |
| Tier 1 risk-based capital ratio | 15.9489% | 3,221 |
| Total risk-based capital ratio | 17.2176% | 3,152 |
| Memoranda: | ||
| Average total assets | $32,788,330 | 6,584 |
| Average earning assets | $29,092,330 | 6,584 |
| Average equity | $3,557,000 | 6,549 |
| Average total loans | $24,666,330 | 6,084 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5239% | 90 |
| Cost of funding earning assets | 0.3441% | 5,603 |
| Net interest margin | 6.1798% | 65 |
| Noninterest income to average assets | 1.0506% | 1,342 |
| Noninterest expense to average assets | 3.7261% | 1,207 |
| Loan and lease loss provision to assets | 0.1833% | 2,011 |
| Net operating income to assets | 1.6737% | 621 |
| Return on assets (ROA) | 1.6737% | 684 |
| Pretax return on assets | 2.6266% | 224 |
| Return on Equity (ROE) | 15.7133% | 650 |
| Retained earnings to average equity (ytd only) | 15.7133% | 304 |
| Net charge-offs to loans | -0.0485% | 6,120 |
| Credit loss provision to net charge-offs | -500.0000% | 5,464 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.0093% | 5,964 |
| Assets per employee ($millions) | 2.7829% | 6,296 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5433% | 1,065 |
| Loan loss allowance to noncurrent loans | 204.2763% | 1,873 |
| Noncurrent assets plus other real estate owned to assets | 1.7548% | 2,659 |
| Noncurrent loans to loans | 1.2450% | 3,697 |
| Net loans and leases to total assets | 71.2562% | 1,483 |
| Net loans and leases to deposits | 80.8783% | 1,965 |
| Net loans and leases to core deposits | 84.5960% | 2,252 |
| Total domestic deposits to total assets | 88.1030% | 2,257 |
| Equity capital to assets | 10.6483% | 3,384 |
| Core capital (leverage) ratio | 10.8069% | 2,450 |
| Tier 1 risk-based capital ratio | 15.1752% | 3,721 |
| Total risk-based capital ratio | 16.4426% | 3,661 |
| Memoranda: | ||
| Average total assets | $32,742,000 | 6,649 |
| Average earning assets | $29,062,500 | 6,644 |
| Average equity | $3,487,500 | 6,628 |
| Average total loans | $24,722,500 | 6,134 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6802% | 105 |
| Cost of funding earning assets | 0.4533% | 5,561 |
| Net interest margin | 6.2269% | 72 |
| Noninterest income to average assets | 1.0539% | 1,393 |
| Noninterest expense to average assets | 3.8937% | 1,105 |
| Loan and lease loss provision to assets | 0.2033% | 3,109 |
| Net operating income to assets | 1.6169% | 737 |
| Return on assets (ROA) | 1.6169% | 813 |
| Pretax return on assets | 2.4988% | 256 |
| Return on Equity (ROE) | 15.3194% | 757 |
| Retained earnings to average equity (ytd only) | 7.1708% | 1,489 |
| Net charge-offs to loans | 0.2299% | 3,557 |
| Credit loss provision to net charge-offs | 116.0714% | 2,488 |
| Earnings coverage of net charge-offs (x) | 15.4286% | 1,650 |
| Efficiency ratio | 59.0327% | 5,699 |
| Assets per employee ($millions) | 2.6741% | 6,453 |
| Cash dividends to net income (ytd only)* | 53.1915% | 2,160 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4093% | 1,218 |
| Loan loss allowance to noncurrent loans | 112.5000% | 3,043 |
| Noncurrent assets plus other real estate owned to assets | 2.5492% | 1,908 |
| Noncurrent loans to loans | 2.1416% | 2,534 |
| Net loans and leases to total assets | 76.1164% | 896 |
| Net loans and leases to deposits | 85.8554% | 1,533 |
| Net loans and leases to core deposits | 89.9367% | 1,839 |
| Total domestic deposits to total assets | 88.6565% | 1,801 |
| Equity capital to assets | 10.6547% | 3,333 |
| Core capital (leverage) ratio | 10.4359% | 2,841 |
| Tier 1 risk-based capital ratio | 15.0444% | 3,692 |
| Total risk-based capital ratio | 16.3117% | 3,635 |
| Memoranda: | ||
| Average total assets | $31,975,000 | 6,708 |
| Average earning assets | $28,457,200 | 6,702 |
| Average equity | $3,374,800 | 6,715 |
| Average total loans | $24,361,400 | 6,226 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6540% | 116 |
| Cost of funding earning assets | 0.4602% | 5,725 |
| Net interest margin | 6.1938% | 76 |
| Noninterest income to average assets | 1.0267% | 1,434 |
| Noninterest expense to average assets | 3.8981% | 1,064 |
| Loan and lease loss provision to assets | 0.1878% | 3,241 |
| Net operating income to assets | 1.5859% | 873 |
| Return on assets (ROA) | 1.5859% | 974 |
| Pretax return on assets | 2.4457% | 322 |
| Return on Equity (ROE) | 15.0621% | 891 |
| Retained earnings to average equity (ytd only) | 15.0621% | 232 |
| Net charge-offs to loans | 0.1598% | 3,835 |
| Credit loss provision to net charge-offs | 155.1724% | 1,816 |
| Earnings coverage of net charge-offs (x) | 21.7561% | 1,387 |
| Efficiency ratio | 59.6805% | 5,554 |
| Assets per employee ($millions) | 2.6856% | 6,506 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4365% | 1,292 |
| Loan loss allowance to noncurrent loans | 269.9115% | 1,360 |
| Noncurrent assets plus other real estate owned to assets | 1.5763% | 3,235 |
| Noncurrent loans to loans | 0.9027% | 4,623 |
| Net loans and leases to total assets | 75.7936% | 1,001 |
| Net loans and leases to deposits | 85.8227% | 1,620 |
| Net loans and leases to core deposits | 89.8973% | 1,994 |
| Total domestic deposits to total assets | 88.3141% | 1,838 |
| Equity capital to assets | 11.0373% | 3,226 |
| Core capital (leverage) ratio | 11.1243% | 2,279 |
| Tier 1 risk-based capital ratio | 15.4063% | 3,594 |
| Total risk-based capital ratio | 16.6753% | 3,535 |
| Memoranda: | ||
| Average total assets | $31,946,500 | 6,792 |
| Average earning assets | $28,393,250 | 6,792 |
| Average equity | $3,363,750 | 6,802 |
| Average total loans | $24,194,750 | 6,319 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6252% | 128 |
| Cost of funding earning assets | 0.4808% | 5,750 |
| Net interest margin | 6.1444% | 83 |
| Noninterest income to average assets | 1.0297% | 1,379 |
| Noninterest expense to average assets | 3.8929% | 1,083 |
| Loan and lease loss provision to assets | 0.1884% | 3,214 |
| Net operating income to assets | 1.5634% | 891 |
| Return on assets (ROA) | 1.5634% | 1,000 |
| Pretax return on assets | 2.4048% | 344 |
| Return on Equity (ROE) | 15.0940% | 922 |
| Retained earnings to average equity (ytd only) | 15.0940% | 279 |
| Net charge-offs to loans | 0.1756% | 3,545 |
| Credit loss provision to net charge-offs | 142.8571% | 1,932 |
| Earnings coverage of net charge-offs (x) | 19.6667% | 1,425 |
| Efficiency ratio | 60.0194% | 5,572 |
| Assets per employee ($millions) | 2.6807% | 6,553 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4754% | 1,318 |
| Loan loss allowance to noncurrent loans | 207.9310% | 1,650 |
| Noncurrent assets plus other real estate owned to assets | 1.7782% | 3,070 |
| Noncurrent loans to loans | 1.1905% | 4,166 |
| Net loans and leases to total assets | 73.8529% | 1,267 |
| Net loans and leases to deposits | 83.8907% | 1,862 |
| Net loans and leases to core deposits | 89.5443% | 2,030 |
| Total domestic deposits to total assets | 88.0347% | 2,119 |
| Equity capital to assets | 10.6503% | 3,512 |
| Core capital (leverage) ratio | 10.5741% | 2,732 |
| Tier 1 risk-based capital ratio | 14.9262% | 3,814 |
| Total risk-based capital ratio | 16.1940% | 3,754 |
| Memoranda: | ||
| Average total assets | $31,853,000 | 6,849 |
| Average earning assets | $28,286,000 | 6,845 |
| Average equity | $3,299,330 | 6,853 |
| Average total loans | $23,914,330 | 6,373 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5028% | 162 |
| Cost of funding earning assets | 0.4838% | 5,913 |
| Net interest margin | 6.0190% | 97 |
| Noninterest income to average assets | 0.9717% | 1,504 |
| Noninterest expense to average assets | 3.8365% | 1,156 |
| Loan and lease loss provision to assets | 0.1893% | 3,064 |
| Net operating income to assets | 1.4892% | 1,042 |
| Return on assets (ROA) | 1.4892% | 1,163 |
| Pretax return on assets | 2.2842% | 466 |
| Return on Equity (ROE) | 14.5859% | 1,062 |
| Retained earnings to average equity (ytd only) | 14.5859% | 499 |
| Net charge-offs to loans | 0.1520% | 3,183 |
| Credit loss provision to net charge-offs | 166.6667% | 1,525 |
| Earnings coverage of net charge-offs (x) | 21.7778% | 1,145 |
| Efficiency ratio | 60.8000% | 5,489 |
| Assets per employee ($millions) | 2.7081% | 6,627 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5391% | 1,298 |
| Loan loss allowance to noncurrent loans | 258.6207% | 1,301 |
| Noncurrent assets plus other real estate owned to assets | 1.5817% | 3,484 |
| Noncurrent loans to loans | 0.9818% | 4,708 |
| Net loans and leases to total assets | 70.8681% | 1,598 |
| Net loans and leases to deposits | 79.7742% | 2,231 |
| Net loans and leases to core deposits | 84.1524% | 2,527 |
| Total domestic deposits to total assets | 88.8359% | 1,798 |
| Equity capital to assets | 10.1394% | 3,935 |
| Core capital (leverage) ratio | 10.3480% | 2,934 |
| Tier 1 risk-based capital ratio | 14.4094% | 4,173 |
| Total risk-based capital ratio | 15.6776% | 4,130 |
| Memoranda: | ||
| Average total assets | $31,695,500 | 6,906 |
| Average earning assets | $28,111,000 | 6,901 |
| Average equity | $3,236,000 | 6,915 |
| Average total loans | $23,691,500 | 6,435 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6040% | 159 |
| Cost of funding earning assets | 0.5601% | 6,289 |
| Net interest margin | 6.0439% | 86 |
| Noninterest income to average assets | 1.6046% | 524 |
| Noninterest expense to average assets | 3.9406% | 1,129 |
| Loan and lease loss provision to assets | 1.1277% | 804 |
| Net operating income to assets | 1.2212% | 1,458 |
| Return on assets (ROA) | 1.2212% | 1,562 |
| Pretax return on assets | 1.8559% | 723 |
| Return on Equity (ROE) | 12.4100% | 1,296 |
| Retained earnings to average equity (ytd only) | 7.4984% | 1,276 |
| Net charge-offs to loans | 0.2938% | 3,939 |
| Credit loss provision to net charge-offs | 507.2464% | 450 |
| Earnings coverage of net charge-offs (x) | 13.4203% | 1,545 |
| Efficiency ratio | 56.9102% | 6,199 |
| Assets per employee ($millions) | 2.3765% | 6,936 |
| Cash dividends to net income (ytd only)* | 39.5778% | 2,621 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5007% | 1,312 |
| Loan loss allowance to noncurrent loans | 262.8319% | 1,256 |
| Noncurrent assets plus other real estate owned to assets | 1.7091% | 3,385 |
| Noncurrent loans to loans | 0.9515% | 4,800 |
| Net loans and leases to total assets | 74.9628% | 1,091 |
| Net loans and leases to deposits | 84.2942% | 1,883 |
| Net loans and leases to core deposits | 90.1479% | 2,109 |
| Total domestic deposits to total assets | 88.9299% | 1,594 |
| Equity capital to assets | 10.2836% | 3,807 |
| Core capital (leverage) ratio | 10.4434% | 2,798 |
| Tier 1 risk-based capital ratio | 13.8794% | 4,417 |
| Total risk-based capital ratio | 15.1464% | 4,357 |
| Memoranda: | ||
| Average total assets | $31,036,000 | 6,939 |
| Average earning assets | $27,316,600 | 6,946 |
| Average equity | $3,054,000 | 6,999 |
| Average total loans | $23,487,600 | 6,487 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4964% | 195 |
| Cost of funding earning assets | 0.5808% | 6,374 |
| Net interest margin | 5.9156% | 102 |
| Noninterest income to average assets | 1.5405% | 553 |
| Noninterest expense to average assets | 3.9821% | 1,024 |
| Loan and lease loss provision to assets | 1.4375% | 495 |
| Net operating income to assets | 0.8882% | 2,785 |
| Return on assets (ROA) | 0.8882% | 2,941 |
| Pretax return on assets | 1.3216% | 2,214 |
| Return on Equity (ROE) | 9.1289% | 2,545 |
| Retained earnings to average equity (ytd only) | 9.1289% | 1,100 |
| Net charge-offs to loans | 0.3985% | 3,121 |
| Credit loss provision to net charge-offs | 478.5714% | 584 |
| Earnings coverage of net charge-offs (x) | 9.1858% | 2,083 |
| Efficiency ratio | 59.0707% | 5,858 |
| Assets per employee ($millions) | 2.5110% | 6,875 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4431% | 1,474 |
| Loan loss allowance to noncurrent loans | 415.8273% | 770 |
| Noncurrent assets plus other real estate owned to assets | 1.9946% | 3,147 |
| Noncurrent loans to loans | 0.5875% | 5,699 |
| Net loans and leases to total assets | 76.5963% | 896 |
| Net loans and leases to deposits | 86.2256% | 1,659 |
| Net loans and leases to core deposits | 88.8273% | 2,385 |
| Total domestic deposits to total assets | 88.8325% | 1,531 |
| Equity capital to assets | 10.4706% | 3,740 |
| Core capital (leverage) ratio | 10.5508% | 2,810 |
| Tier 1 risk-based capital ratio | 13.6983% | 4,574 |
| Total risk-based capital ratio | 14.9618% | 4,534 |
| Memoranda: | ||
| Average total assets | $31,071,500 | 7,006 |
| Average earning assets | $27,317,000 | 7,010 |
| Average equity | $3,023,250 | 7,065 |
| Average total loans | $23,421,250 | 6,561 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2933% | 280 |
| Cost of funding earning assets | 0.6083% | 6,417 |
| Net interest margin | 5.6850% | 132 |
| Noninterest income to average assets | 1.7779% | 435 |
| Noninterest expense to average assets | 3.9446% | 1,125 |
| Loan and lease loss provision to assets | 2.0392% | 297 |
| Net operating income to assets | 0.5799% | 4,159 |
| Return on assets (ROA) | 0.5799% | 4,287 |
| Pretax return on assets | 0.7966% | 4,046 |
| Return on Equity (ROE) | 6.1088% | 3,913 |
| Retained earnings to average equity (ytd only) | 6.1088% | 2,355 |
| Net charge-offs to loans | 0.4284% | 2,854 |
| Credit loss provision to net charge-offs | 640.0000% | 491 |
| Earnings coverage of net charge-offs (x) | 8.9000% | 1,990 |
| Efficiency ratio | 58.1767% | 6,133 |
| Assets per employee ($millions) | 2.4138% | 7,013 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4850% | 1,467 |
| Loan loss allowance to noncurrent loans | 124.5726% | 2,358 |
| Noncurrent assets plus other real estate owned to assets | 2.9765% | 2,253 |
| Noncurrent loans to loans | 1.9948% | 3,486 |
| Net loans and leases to total assets | 72.9086% | 1,611 |
| Net loans and leases to deposits | 81.0788% | 2,604 |
| Net loans and leases to core deposits | 84.4768% | 3,139 |
| Total domestic deposits to total assets | 89.9232% | 1,012 |
| Equity capital to assets | 9.6848% | 4,561 |
| Core capital (leverage) ratio | 9.5100% | 3,942 |
| Tier 1 risk-based capital ratio | 13.0094% | 4,907 |
| Total risk-based capital ratio | 14.2765% | 4,875 |
| Memoranda: | ||
| Average total assets | $31,384,670 | 7,062 |
| Average earning assets | $27,616,670 | 7,069 |
| Average equity | $2,979,330 | 7,133 |
| Average total loans | $23,342,330 | 6,620 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1500% | 361 |
| Cost of funding earning assets | 0.6512% | 6,376 |
| Net interest margin | 5.4988% | 165 |
| Noninterest income to average assets | 1.0450% | 1,205 |
| Noninterest expense to average assets | 3.8104% | 1,322 |
| Loan and lease loss provision to assets | 2.0390% | 271 |
| Net operating income to assets | 0.0382% | 6,262 |
| Return on assets (ROA) | 0.0382% | 6,298 |
| Pretax return on assets | 0.0382% | 6,286 |
| Return on Equity (ROE) | 0.4068% | 6,278 |
| Retained earnings to average equity (ytd only) | 0.4068% | 5,654 |
| Net charge-offs to loans | 0.5841% | 2,028 |
| Credit loss provision to net charge-offs | 470.5882% | 753 |
| Earnings coverage of net charge-offs (x) | 4.7941% | 2,396 |
| Efficiency ratio | 64.7186% | 5,233 |
| Assets per employee ($millions) | 2.6472% | 6,774 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9321% | 2,589 |
| Loan loss allowance to noncurrent loans | 66.2142% | 4,106 |
| Noncurrent assets plus other real estate owned to assets | 3.5573% | 1,910 |
| Noncurrent loans to loans | 2.9180% | 2,577 |
| Net loans and leases to total assets | 70.1442% | 2,098 |
| Net loans and leases to deposits | 77.4999% | 3,153 |
| Net loans and leases to core deposits | 79.9986% | 3,762 |
| Total domestic deposits to total assets | 90.5087% | 835 |
| Equity capital to assets | 9.2898% | 4,744 |
| Core capital (leverage) ratio | 9.2421% | 4,225 |
| Tier 1 risk-based capital ratio | 13.3445% | 4,547 |
| Total risk-based capital ratio | 14.6016% | 4,524 |
| Memoranda: | ||
| Average total assets | $31,387,500 | 7,112 |
| Average earning assets | $27,642,500 | 7,114 |
| Average equity | $2,949,500 | 7,183 |
| Average total loans | $23,283,000 | 6,681 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3646% | 92 |
| Cost of funding earning assets | 0.8064% | 6,540 |
| Net interest margin | 6.5582% | 64 |
| Noninterest income to average assets | 1.2191% | 1,011 |
| Noninterest expense to average assets | 3.8208% | 1,448 |
| Loan and lease loss provision to assets | 0.9479% | 1,720 |
| Net operating income to assets | 1.4741% | 813 |
| Return on assets (ROA) | 1.4741% | 873 |
| Pretax return on assets | 2.2716% | 266 |
| Return on Equity (ROE) | 14.8073% | 745 |
| Retained earnings to average equity (ytd only) | -2.3967% | 6,028 |
| Net charge-offs to loans | 1.1018% | 2,023 |
| Credit loss provision to net charge-offs | 109.0226% | 4,049 |
| Earnings coverage of net charge-offs (x) | 3.7030% | 3,230 |
| Efficiency ratio | 54.2711% | 6,782 |
| Assets per employee ($millions) | 2.5841% | 6,881 |
| Cash dividends to net income (ytd only)* | 116.1863% | 262 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3126% | 4,938 |
| Loan loss allowance to noncurrent loans | 39.6203% | 5,661 |
| Noncurrent assets plus other real estate owned to assets | 3.8344% | 1,784 |
| Noncurrent loans to loans | 3.3131% | 2,290 |
| Net loans and leases to total assets | 75.8876% | 1,295 |
| Net loans and leases to deposits | 84.7206% | 2,337 |
| Net loans and leases to core deposits | 87.5479% | 3,112 |
| Total domestic deposits to total assets | 89.5740% | 1,344 |
| Equity capital to assets | 9.5069% | 4,397 |
| Core capital (leverage) ratio | 9.5603% | 3,627 |
| Tier 1 risk-based capital ratio | 13.0518% | 4,561 |
| Total risk-based capital ratio | 14.3047% | 4,521 |
| Memoranda: | ||
| Average total assets | $30,595,400 | 7,188 |
| Average earning assets | $27,156,800 | 7,187 |
| Average equity | $3,045,800 | 7,270 |
| Average total loans | $24,141,400 | 6,725 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3782% | 96 |
| Cost of funding earning assets | 0.8362% | 6,632 |
| Net interest margin | 6.5420% | 64 |
| Noninterest income to average assets | 1.1894% | 990 |
| Noninterest expense to average assets | 3.8479% | 1,284 |
| Loan and lease loss provision to assets | 1.0494% | 1,407 |
| Net operating income to assets | 1.3730% | 1,159 |
| Return on assets (ROA) | 1.3730% | 1,241 |
| Pretax return on assets | 2.1076% | 492 |
| Return on Equity (ROE) | 13.6360% | 1,112 |
| Retained earnings to average equity (ytd only) | -9.1195% | 6,829 |
| Net charge-offs to loans | 1.4591% | 1,388 |
| Credit loss provision to net charge-offs | 90.5660% | 4,737 |
| Earnings coverage of net charge-offs (x) | 2.7246% | 3,786 |
| Efficiency ratio | 54.9313% | 6,694 |
| Assets per employee ($millions) | 2.5071% | 7,077 |
| Cash dividends to net income (ytd only)* | 166.8777% | 118 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1001% | 5,941 |
| Loan loss allowance to noncurrent loans | 25.8065% | 6,586 |
| Noncurrent assets plus other real estate owned to assets | 4.7266% | 1,398 |
| Noncurrent loans to loans | 4.2630% | 1,707 |
| Net loans and leases to total assets | 78.8865% | 904 |
| Net loans and leases to deposits | 87.9195% | 2,021 |
| Net loans and leases to core deposits | 90.9380% | 2,964 |
| Total domestic deposits to total assets | 89.7258% | 1,008 |
| Equity capital to assets | 9.3435% | 5,061 |
| Core capital (leverage) ratio | 9.1169% | 4,505 |
| Tier 1 risk-based capital ratio | 12.3144% | 5,164 |
| Total risk-based capital ratio | 13.4709% | 5,216 |
| Memoranda: | ||
| Average total assets | $30,492,000 | 7,272 |
| Average earning assets | $27,106,250 | 7,273 |
| Average equity | $3,070,250 | 7,348 |
| Average total loans | $24,215,500 | 6,807 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2666% | 113 |
| Cost of funding earning assets | 0.8708% | 6,689 |
| Net interest margin | 6.3957% | 74 |
| Noninterest income to average assets | 1.1297% | 1,030 |
| Noninterest expense to average assets | 3.7744% | 1,402 |
| Loan and lease loss provision to assets | 0.2939% | 4,032 |
| Net operating income to assets | 1.7827% | 503 |
| Return on assets (ROA) | 1.7827% | 553 |
| Pretax return on assets | 2.7687% | 160 |
| Return on Equity (ROE) | 17.2967% | 544 |
| Retained earnings to average equity (ytd only) | 17.2967% | 147 |
| Net charge-offs to loans | 0.4117% | 3,339 |
| Credit loss provision to net charge-offs | 90.0000% | 4,424 |
| Earnings coverage of net charge-offs (x) | 9.3800% | 2,026 |
| Efficiency ratio | 55.2053% | 6,737 |
| Assets per employee ($millions) | 2.3672% | 7,273 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1757% | 5,574 |
| Loan loss allowance to noncurrent loans | 23.6470% | 6,755 |
| Noncurrent assets plus other real estate owned to assets | 4.1594% | 1,626 |
| Noncurrent loans to loans | 4.9721% | 1,393 |
| Net loans and leases to total assets | 77.5687% | 1,183 |
| Net loans and leases to deposits | 87.6482% | 2,240 |
| Net loans and leases to core deposits | 90.6264% | 3,172 |
| Total domestic deposits to total assets | 88.5000% | 1,729 |
| Equity capital to assets | 10.7038% | 3,172 |
| Core capital (leverage) ratio | 10.6630% | 2,488 |
| Tier 1 risk-based capital ratio | 14.5136% | 3,439 |
| Total risk-based capital ratio | 15.7649% | 3,400 |
| Memoranda: | ||
| Average total assets | $30,627,670 | 7,323 |
| Average earning assets | $27,330,670 | 7,322 |
| Average equity | $3,156,670 | 7,367 |
| Average total loans | $24,288,330 | 6,842 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4085% | 115 |
| Cost of funding earning assets | 0.9536% | 6,562 |
| Net interest margin | 6.4549% | 75 |
| Noninterest income to average assets | 1.0604% | 1,130 |
| Noninterest expense to average assets | 3.7965% | 1,333 |
| Loan and lease loss provision to assets | 0.3011% | 3,628 |
| Net operating income to assets | 1.7542% | 549 |
| Return on assets (ROA) | 1.7542% | 599 |
| Pretax return on assets | 2.7230% | 180 |
| Return on Equity (ROE) | 17.3575% | 576 |
| Retained earnings to average equity (ytd only) | 17.3575% | 271 |
| Net charge-offs to loans | 0.6898% | 2,110 |
| Credit loss provision to net charge-offs | 54.7619% | 4,404 |
| Earnings coverage of net charge-offs (x) | 5.5000% | 2,387 |
| Efficiency ratio | 55.6622% | 6,816 |
| Assets per employee ($millions) | 2.5768% | 7,081 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1234% | 5,900 |
| Loan loss allowance to noncurrent loans | 22.4066% | 6,885 |
| Noncurrent assets plus other real estate owned to assets | 4.1524% | 1,640 |
| Noncurrent loans to loans | 5.0137% | 1,444 |
| Net loans and leases to total assets | 76.8514% | 1,358 |
| Net loans and leases to deposits | 86.0235% | 2,583 |
| Net loans and leases to core deposits | 88.8972% | 3,513 |
| Total domestic deposits to total assets | 89.3377% | 1,338 |
| Equity capital to assets | 10.2031% | 3,602 |
| Core capital (leverage) ratio | 10.2422% | 2,883 |
| Tier 1 risk-based capital ratio | 14.0228% | 3,639 |
| Total risk-based capital ratio | 15.2229% | 3,632 |
| Memoranda: | ||
| Average total assets | $30,554,500 | 7,423 |
| Average earning assets | $27,266,000 | 7,416 |
| Average equity | $3,088,000 | 7,473 |
| Average total loans | $24,355,000 | 6,918 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.2066% | 68 |
| Cost of funding earning assets | 1.3957% | 5,948 |
| Net interest margin | 6.8110% | 56 |
| Noninterest income to average assets | 1.1867% | 1,092 |
| Noninterest expense to average assets | 3.8552% | 1,582 |
| Loan and lease loss provision to assets | 0.6612% | 3,165 |
| Net operating income to assets | 1.7665% | 383 |
| Return on assets (ROA) | 1.7665% | 406 |
| Pretax return on assets | 2.7431% | 119 |
| Return on Equity (ROE) | 18.8331% | 313 |
| Retained earnings to average equity (ytd only) | 18.8331% | 47 |
| Net charge-offs to loans | 0.6956% | 3,100 |
| Credit loss provision to net charge-offs | 116.7665% | 4,643 |
| Earnings coverage of net charge-offs (x) | 6.0120% | 2,450 |
| Efficiency ratio | 53.1060% | 7,315 |
| Assets per employee ($millions) | 2.3221% | 7,448 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1712% | 5,532 |
| Loan loss allowance to noncurrent loans | 106.6421% | 2,650 |
| Noncurrent assets plus other real estate owned to assets | 0.9143% | 5,264 |
| Noncurrent loans to loans | 1.0982% | 5,127 |
| Net loans and leases to total assets | 80.7864% | 867 |
| Net loans and leases to deposits | 90.4428% | 2,150 |
| Net loans and leases to core deposits | 116.4613% | 2,270 |
| Total domestic deposits to total assets | 89.3232% | 1,315 |
| Equity capital to assets | 10.0076% | 3,757 |
| Core capital (leverage) ratio | 10.0000% | 3,092 |
| Tier 1 risk-based capital ratio | 13.3916% | 3,891 |
| Total risk-based capital ratio | 14.6416% | 3,830 |
| Memoranda: | ||
| Average total assets | $29,492,600 | 7,489 |
| Average earning assets | $26,295,800 | 7,493 |
| Average equity | $2,766,400 | 7,657 |
| Average total loans | $24,006,800 | 6,971 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.2547% | 69 |
| Cost of funding earning assets | 1.4624% | 5,990 |
| Net interest margin | 6.7923% | 58 |
| Noninterest income to average assets | 1.2278% | 1,020 |
| Noninterest expense to average assets | 3.8199% | 1,559 |
| Loan and lease loss provision to assets | 0.6139% | 2,936 |
| Net operating income to assets | 1.8372% | 408 |
| Return on assets (ROA) | 1.8372% | 432 |
| Pretax return on assets | 2.8559% | 121 |
| Return on Equity (ROE) | 19.9297% | 317 |
| Retained earnings to average equity (ytd only) | 19.9297% | 68 |
| Net charge-offs to loans | 0.7215% | 2,551 |
| Credit loss provision to net charge-offs | 104.6512% | 4,855 |
| Earnings coverage of net charge-offs (x) | 5.9146% | 2,706 |
| Efficiency ratio | 52.4017% | 7,384 |
| Assets per employee ($millions) | 2.4614% | 7,288 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0898% | 5,793 |
| Loan loss allowance to noncurrent loans | 97.8022% | 2,828 |
| Noncurrent assets plus other real estate owned to assets | 0.9412% | 5,185 |
| Noncurrent loans to loans | 1.1142% | 5,087 |
| Net loans and leases to total assets | 82.0462% | 807 |
| Net loans and leases to deposits | 91.6947% | 2,291 |
| Net loans and leases to core deposits | 118.7126% | 2,355 |
| Total domestic deposits to total assets | 89.4776% | 980 |
| Equity capital to assets | 9.8317% | 4,311 |
| Core capital (leverage) ratio | 9.7251% | 3,614 |
| Tier 1 risk-based capital ratio | 13.1325% | 4,100 |
| Total risk-based capital ratio | 14.3400% | 4,063 |
| Memoranda: | ||
| Average total assets | $29,319,000 | 7,563 |
| Average earning assets | $26,166,250 | 7,566 |
| Average equity | $2,702,750 | 7,751 |
| Average total loans | $23,839,500 | 7,042 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.3513% | 69 |
| Cost of funding earning assets | 1.5582% | 5,896 |
| Net interest margin | 6.7931% | 62 |
| Noninterest income to average assets | 1.2241% | 1,034 |
| Noninterest expense to average assets | 3.7885% | 1,675 |
| Loan and lease loss provision to assets | 0.6155% | 2,592 |
| Net operating income to assets | 1.8532% | 410 |
| Return on assets (ROA) | 1.8532% | 445 |
| Pretax return on assets | 2.8722% | 118 |
| Return on Equity (ROE) | 20.5640% | 300 |
| Retained earnings to average equity (ytd only) | 20.5640% | 67 |
| Net charge-offs to loans | 0.3048% | 3,660 |
| Credit loss provision to net charge-offs | 250.0000% | 1,856 |
| Earnings coverage of net charge-offs (x) | 14.1667% | 1,678 |
| Efficiency ratio | 52.0677% | 7,507 |
| Assets per employee ($millions) | 2.1769% | 7,702 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3265% | 4,115 |
| Loan loss allowance to noncurrent loans | 159.0909% | 1,858 |
| Noncurrent assets plus other real estate owned to assets | 0.6661% | 5,748 |
| Noncurrent loans to loans | 0.8338% | 5,553 |
| Net loans and leases to total assets | 76.8867% | 1,973 |
| Net loans and leases to deposits | 84.9694% | 3,734 |
| Net loans and leases to core deposits | 108.5619% | 3,545 |
| Total domestic deposits to total assets | 90.4876% | 634 |
| Equity capital to assets | 9.0924% | 5,169 |
| Core capital (leverage) ratio | 9.1534% | 4,378 |
| Tier 1 risk-based capital ratio | 12.3134% | 4,660 |
| Total risk-based capital ratio | 13.5665% | 4,584 |
| Memoranda: | ||
| Average total assets | $29,246,330 | 7,636 |
| Average earning assets | $26,055,670 | 7,639 |
| Average equity | $2,635,670 | 7,843 |
| Average total loans | $23,619,000 | 7,107 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.4270% | 68 |
| Cost of funding earning assets | 1.6854% | 5,661 |
| Net interest margin | 6.7416% | 60 |
| Noninterest income to average assets | 1.2853% | 865 |
| Noninterest expense to average assets | 3.6882% | 1,678 |
| Loan and lease loss provision to assets | 0.6287% | 2,012 |
| Net operating income to assets | 1.9000% | 431 |
| Return on assets (ROA) | 1.9000% | 480 |
| Pretax return on assets | 2.9478% | 135 |
| Return on Equity (ROE) | 21.1838% | 351 |
| Retained earnings to average equity (ytd only) | 21.1838% | 141 |
| Net charge-offs to loans | 0.3396% | 2,727 |
| Credit loss provision to net charge-offs | 225.0000% | 2,024 |
| Earnings coverage of net charge-offs (x) | 12.8000% | 1,770 |
| Efficiency ratio | 50.7692% | 7,533 |
| Assets per employee ($millions) | 2.0835% | 7,823 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2184% | 4,678 |
| Loan loss allowance to noncurrent loans | 155.4348% | 2,094 |
| Noncurrent assets plus other real estate owned to assets | 0.6308% | 5,596 |
| Noncurrent loans to loans | 0.7838% | 5,481 |
| Net loans and leases to total assets | 79.4954% | 1,478 |
| Net loans and leases to deposits | 87.8200% | 3,315 |
| Net loans and leases to core deposits | 112.8809% | 3,120 |
| Total domestic deposits to total assets | 90.5208% | 582 |
| Equity capital to assets | 9.0370% | 5,314 |
| Core capital (leverage) ratio | 8.9401% | 4,809 |
| Tier 1 risk-based capital ratio | 12.2235% | 4,770 |
| Total risk-based capital ratio | 13.4755% | 4,677 |
| Memoranda: | ||
| Average total assets | $28,631,500 | 7,707 |
| Average earning assets | $25,394,500 | 7,711 |
| Average equity | $2,568,000 | 7,919 |
| Average total loans | $23,555,000 | 7,152 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.2709% | 61 |
| Cost of funding earning assets | 2.0158% | 6,361 |
| Net interest margin | 7.2551% | 51 |
| Noninterest income to average assets | 1.4361% | 696 |
| Noninterest expense to average assets | 3.5590% | 2,241 |
| Loan and lease loss provision to assets | 0.7640% | 1,957 |
| Net operating income to assets | 2.2441% | 216 |
| Return on assets (ROA) | 2.2441% | 213 |
| Pretax return on assets | 3.5113% | 73 |
| Return on Equity (ROE) | 19.4871% | 417 |
| Retained earnings to average equity (ytd only) | -18.7855% | 7,647 |
| Net charge-offs to loans | 0.6765% | 1,821 |
| Credit loss provision to net charge-offs | 143.4483% | 3,683 |
| Earnings coverage of net charge-offs (x) | 8.0276% | 2,957 |
| Efficiency ratio | 45.4290% | 7,954 |
| Assets per employee ($millions) | 2.1611% | 7,759 |
| Cash dividends to net income (ytd only)* | 196.3993% | 322 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1042% | 5,245 |
| Loan loss allowance to noncurrent loans | 103.5714% | 3,357 |
| Noncurrent assets plus other real estate owned to assets | 1.0145% | 4,293 |
| Noncurrent loans to loans | 1.0662% | 4,440 |
| Net loans and leases to total assets | 83.2028% | 1,013 |
| Net loans and leases to deposits | 91.7602% | 3,181 |
| Net loans and leases to core deposits | 115.7350% | 3,152 |
| Total domestic deposits to total assets | 90.6742% | 437 |
| Equity capital to assets | 8.8987% | 5,506 |
| Core capital (leverage) ratio | 9.0695% | 4,640 |
| Tier 1 risk-based capital ratio | 11.6632% | 5,087 |
| Total risk-based capital ratio | 12.8808% | 5,017 |
| Memoranda: | ||
| Average total assets | $27,226,400 | 7,756 |
| Average earning assets | $24,010,600 | 7,781 |
| Average equity | $3,135,400 | 7,795 |
| Average total loans | $21,432,400 | 7,234 |