Home > Marseilles Bank > Performance and Condition Ratios
Marseilles Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7938% | 4,351 |
| Cost of funding earning assets | 1.8535% | 2,307 |
| Net interest margin | 1.9402% | 4,308 |
| Noninterest income to average assets | 0.2300% | 3,365 |
| Noninterest expense to average assets | 1.9558% | 3,638 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | 0.1577% | 4,021 |
| Return on assets (ROA) | 0.1577% | 4,047 |
| Pretax return on assets | 0.1577% | 4,071 |
| Return on Equity (ROE) | 4.6500% | 3,604 |
| Retained earnings to average equity (ytd only) | 1.7061% | 3,377 |
| Net charge-offs to loans | -0.0361% | 4,234 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 92.5373% | 424 |
| Assets per employee ($millions) | 7.6498% | 1,787 |
| Cash dividends to net income (ytd only)* | 63.3333% | 939 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0750% | 2,841 |
| Loan loss allowance to noncurrent loans | 137.6923% | 2,587 |
| Noncurrent assets plus other real estate owned to assets | 0.3399% | 1,953 |
| Noncurrent loans to loans | 0.7807% | 1,331 |
| Net loans and leases to total assets | 43.0700% | 3,874 |
| Net loans and leases to deposits | 51.2412% | 3,830 |
| Net loans and leases to core deposits | 56.6445% | 3,806 |
| Total domestic deposits to total assets | 84.0500% | 2,884 |
| Equity capital to assets | 3.8092% | 4,429 |
| Core capital (leverage) ratio | 8.0465% | 4,278 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5710% | 950 |
| Memoranda: | ||
| Average total assets | $76,082,000 | 3,986 |
| Average earning assets | $73,805,500 | 3,932 |
| Average equity | $2,579,000 | 4,374 |
| Average total loans | $33,241,000 | 4,044 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 2 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6583% | 4,392 |
| Cost of funding earning assets | 1.9869% | 2,250 |
| Net interest margin | 1.6714% | 4,357 |
| Noninterest income to average assets | 0.2600% | 3,313 |
| Noninterest expense to average assets | 1.8960% | 3,795 |
| Loan and lease loss provision to assets | 0.0500% | 2,169 |
| Net operating income to assets | -0.0649% | 4,231 |
| Return on assets (ROA) | -0.0649% | 4,245 |
| Pretax return on assets | -0.0649% | 4,226 |
| Return on Equity (ROE) | -2.4400% | 4,292 |
| Retained earnings to average equity (ytd only) | -4.7876% | 4,285 |
| Net charge-offs to loans | -0.0283% | 4,238 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 100.7741% | 270 |
| Assets per employee ($millions) | 7.5666% | 1,804 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0730% | 2,825 |
| Loan loss allowance to noncurrent loans | 139.6078% | 2,611 |
| Noncurrent assets plus other real estate owned to assets | 0.3370% | 1,909 |
| Noncurrent loans to loans | 0.7686% | 1,292 |
| Net loans and leases to total assets | 43.3800% | 3,911 |
| Net loans and leases to deposits | 51.1222% | 3,880 |
| Net loans and leases to core deposits | 55.9127% | 3,888 |
| Total domestic deposits to total assets | 84.8500% | 2,578 |
| Equity capital to assets | 2.9657% | 4,459 |
| Core capital (leverage) ratio | 8.0446% | 4,280 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4308% | 979 |
| Memoranda: | ||
| Average total assets | $75,526,200 | 3,992 |
| Average earning assets | $73,230,600 | 3,943 |
| Average equity | $2,005,200 | 4,417 |
| Average total loans | $31,792,600 | 4,072 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6240% | 4,424 |
| Cost of funding earning assets | 1.9969% | 2,220 |
| Net interest margin | 1.6271% | 4,394 |
| Noninterest income to average assets | 0.2500% | 3,362 |
| Noninterest expense to average assets | 1.9251% | 3,716 |
| Loan and lease loss provision to assets | 0.0500% | 2,008 |
| Net operating income to assets | -0.1554% | 4,308 |
| Return on assets (ROA) | -0.1554% | 4,330 |
| Pretax return on assets | -0.1554% | 4,312 |
| Return on Equity (ROE) | -6.0300% | 4,405 |
| Retained earnings to average equity (ytd only) | -8.0183% | 4,406 |
| Net charge-offs to loans | -0.0254% | 4,217 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 105.5179% | 214 |
| Assets per employee ($millions) | 7.1214% | 2,058 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0398% | 3,045 |
| Loan loss allowance to noncurrent loans | 133.5907% | 2,708 |
| Noncurrent assets plus other real estate owned to assets | 0.3306% | 1,892 |
| Noncurrent loans to loans | 0.7784% | 1,273 |
| Net loans and leases to total assets | 42.0400% | 3,967 |
| Net loans and leases to deposits | 51.4652% | 3,905 |
| Net loans and leases to core deposits | 56.5693% | 3,888 |
| Total domestic deposits to total assets | 81.6800% | 3,172 |
| Equity capital to assets | 3.8820% | 4,485 |
| Core capital (leverage) ratio | 8.5074% | 4,099 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8673% | 1,122 |
| Memoranda: | ||
| Average total assets | $75,491,250 | 4,012 |
| Average earning assets | $73,177,000 | 3,968 |
| Average equity | $1,945,500 | 4,455 |
| Average total loans | $31,446,000 | 4,091 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 2 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5896% | 4,438 |
| Cost of funding earning assets | 1.9995% | 2,119 |
| Net interest margin | 1.5902% | 4,416 |
| Noninterest income to average assets | 0.2400% | 3,419 |
| Noninterest expense to average assets | 1.9049% | 3,753 |
| Loan and lease loss provision to assets | 0.0800% | 1,436 |
| Net operating income to assets | -0.2039% | 4,347 |
| Return on assets (ROA) | -0.2039% | 4,371 |
| Pretax return on assets | -0.2039% | 4,352 |
| Return on Equity (ROE) | -9.6200% | 4,462 |
| Retained earnings to average equity (ytd only) | -12.1493% | 4,460 |
| Net charge-offs to loans | -0.0324% | 4,247 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 106.7669% | 205 |
| Assets per employee ($millions) | 6.8161% | 2,195 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0747% | 2,915 |
| Loan loss allowance to noncurrent loans | 130.6818% | 2,833 |
| Noncurrent assets plus other real estate owned to assets | 0.3521% | 1,756 |
| Noncurrent loans to loans | 0.8224% | 1,129 |
| Net loans and leases to total assets | 42.3600% | 3,966 |
| Net loans and leases to deposits | 51.4258% | 3,915 |
| Net loans and leases to core deposits | 56.0464% | 3,900 |
| Total domestic deposits to total assets | 82.3600% | 3,001 |
| Equity capital to assets | 2.0673% | 4,520 |
| Core capital (leverage) ratio | 8.6857% | 3,980 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8394% | 953 |
| Memoranda: | ||
| Average total assets | $74,543,333 | 4,037 |
| Average earning assets | $72,319,333 | 3,987 |
| Average equity | $1,580,333 | 4,475 |
| Average total loans | $30,836,333 | 4,118 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5395% | 4,461 |
| Cost of funding earning assets | 1.9917% | 2,009 |
| Net interest margin | 1.5478% | 4,453 |
| Noninterest income to average assets | 0.2400% | 3,362 |
| Noninterest expense to average assets | 2.0289% | 3,506 |
| Loan and lease loss provision to assets | 0.0900% | 1,130 |
| Net operating income to assets | -0.3767% | 4,437 |
| Return on assets (ROA) | -0.3767% | 4,421 |
| Pretax return on assets | -0.3767% | 4,402 |
| Return on Equity (ROE) | -17.5500% | 4,517 |
| Retained earnings to average equity (ytd only) | -19.5550% | 4,434 |
| Net charge-offs to loans | 0.0132% | 1,616 |
| Credit loss provision to net charge-offs | 1,600.0000% | 246 |
| Earnings coverage of net charge-offs (x) | -54.0000% | 4,572 |
| Efficiency ratio | 116.7183% | 132 |
| Assets per employee ($millions) | 7.4298% | 1,798 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0660% | 2,973 |
| Loan loss allowance to noncurrent loans | 255.1181% | 2,114 |
| Noncurrent assets plus other real estate owned to assets | 0.1709% | 2,514 |
| Noncurrent loans to loans | 0.4178% | 1,883 |
| Net loans and leases to total assets | 40.4700% | 4,011 |
| Net loans and leases to deposits | 49.0178% | 3,952 |
| Net loans and leases to core deposits | 53.0475% | 4,003 |
| Total domestic deposits to total assets | 82.5700% | 3,078 |
| Equity capital to assets | 1.9435% | 4,549 |
| Core capital (leverage) ratio | 8.6773% | 3,966 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $74,326,500 | 4,065 |
| Average earning assets | $72,100,500 | 4,013 |
| Average equity | $1,595,500 | 4,502 |
| Average total loans | $30,203,500 | 4,147 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2786% | 4,457 |
| Cost of funding earning assets | 1.5776% | 1,751 |
| Net interest margin | 1.7010% | 4,470 |
| Noninterest income to average assets | 0.2400% | 3,502 |
| Noninterest expense to average assets | 1.9526% | 3,728 |
| Loan and lease loss provision to assets | 0.0400% | 2,313 |
| Net operating income to assets | -0.1068% | 4,431 |
| Return on assets (ROA) | -0.1068% | 4,414 |
| Pretax return on assets | -0.1068% | 4,402 |
| Return on Equity (ROE) | -8.5600% | 4,492 |
| Retained earnings to average equity (ytd only) | -14.6429% | 4,495 |
| Net charge-offs to loans | 0.0072% | 2,406 |
| Credit loss provision to net charge-offs | 1,500.0000% | 290 |
| Earnings coverage of net charge-offs (x) | -23.0000% | 4,566 |
| Efficiency ratio | 103.4226% | 155 |
| Assets per employee ($millions) | 6.1963% | 2,643 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0296% | 3,165 |
| Loan loss allowance to noncurrent loans | 150.7317% | 2,854 |
| Noncurrent assets plus other real estate owned to assets | 0.2757% | 1,846 |
| Noncurrent loans to loans | 0.6830% | 1,151 |
| Net loans and leases to total assets | 39.9500% | 4,042 |
| Net loans and leases to deposits | 48.5042% | 3,980 |
| Net loans and leases to core deposits | 52.4167% | 4,022 |
| Total domestic deposits to total assets | 82.3600% | 3,056 |
| Equity capital to assets | 2.3495% | 4,559 |
| Core capital (leverage) ratio | 9.3422% | 3,387 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $71,188,800 | 4,100 |
| Average earning assets | $68,840,400 | 4,047 |
| Average equity | $887,800 | 4,523 |
| Average total loans | $27,650,400 | 4,175 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2566% | 4,468 |
| Cost of funding earning assets | 1.4785% | 1,669 |
| Net interest margin | 1.7781% | 4,486 |
| Noninterest income to average assets | 0.2400% | 3,510 |
| Noninterest expense to average assets | 1.9470% | 3,723 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.0076% | 4,368 |
| Return on assets (ROA) | 0.0076% | 4,389 |
| Pretax return on assets | 0.0076% | 4,382 |
| Return on Equity (ROE) | 0.7900% | 4,334 |
| Retained earnings to average equity (ytd only) | -7.5283% | 4,473 |
| Net charge-offs to loans | 0.0394% | 1,326 |
| Credit loss provision to net charge-offs | 25.0000% | 1,992 |
| Earnings coverage of net charge-offs (x) | 0.7500% | 2,557 |
| Efficiency ratio | 99.4197% | 187 |
| Assets per employee ($millions) | 7.0141% | 1,951 |
| Cash dividends to net income (ytd only)* | 1,050.0000% | 3 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9994% | 3,376 |
| Loan loss allowance to noncurrent loans | 99.2806% | 3,213 |
| Noncurrent assets plus other real estate owned to assets | 0.3963% | 1,457 |
| Noncurrent loans to loans | 1.0066% | 798 |
| Net loans and leases to total assets | 38.9800% | 4,093 |
| Net loans and leases to deposits | 43.5783% | 4,118 |
| Net loans and leases to core deposits | 47.0504% | 4,107 |
| Total domestic deposits to total assets | 89.4500% | 1,092 |
| Equity capital to assets | 0.0328% | 4,595 |
| Core capital (leverage) ratio | 9.4686% | 3,340 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $70,397,250 | 4,127 |
| Average earning assets | $68,085,750 | 4,075 |
| Average equity | $673,000 | 4,554 |
| Average total loans | $27,059,750 | 4,200 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2062% | 4,496 |
| Cost of funding earning assets | 1.3699% | 1,531 |
| Net interest margin | 1.8363% | 4,530 |
| Noninterest income to average assets | 0.2400% | 3,497 |
| Noninterest expense to average assets | 1.9125% | 3,789 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.1022% | 4,358 |
| Return on assets (ROA) | 0.1022% | 4,389 |
| Pretax return on assets | 0.1022% | 4,394 |
| Return on Equity (ROE) | 8.0900% | 3,213 |
| Retained earnings to average equity (ytd only) | 0.6744% | 3,964 |
| Net charge-offs to loans | 0.0223% | 1,434 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 12.0000% | 1,952 |
| Efficiency ratio | 94.9296% | 245 |
| Assets per employee ($millions) | 7.1129% | 1,835 |
| Cash dividends to net income (ytd only)* | 91.6667% | 406 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0189% | 3,348 |
| Loan loss allowance to noncurrent loans | 98.9324% | 3,274 |
| Noncurrent assets plus other real estate owned to assets | 0.3951% | 1,351 |
| Noncurrent loans to loans | 1.0299% | 730 |
| Net loans and leases to total assets | 37.9700% | 4,116 |
| Net loans and leases to deposits | 42.2997% | 4,152 |
| Net loans and leases to core deposits | 45.0143% | 4,146 |
| Total domestic deposits to total assets | 89.7600% | 989 |
| Equity capital to assets | 1.2976% | 4,619 |
| Core capital (leverage) ratio | 9.4885% | 3,258 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $70,482,667 | 4,142 |
| Average earning assets | $68,180,000 | 4,094 |
| Average equity | $889,667 | 4,577 |
| Average total loans | $26,874,000 | 4,215 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1975% | 4,489 |
| Cost of funding earning assets | 1.2402% | 1,359 |
| Net interest margin | 1.9573% | 4,572 |
| Noninterest income to average assets | 0.2500% | 3,431 |
| Noninterest expense to average assets | 1.9555% | 3,723 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.1938% | 4,360 |
| Return on assets (ROA) | 0.1938% | 4,327 |
| Pretax return on assets | 0.1938% | 4,341 |
| Return on Equity (ROE) | 15.5800% | 1,447 |
| Retained earnings to average equity (ytd only) | 5.4983% | 2,889 |
| Net charge-offs to loans | 0.0300% | 1,106 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 17.0000% | 1,505 |
| Efficiency ratio | 90.9814% | 327 |
| Assets per employee ($millions) | 7.0339% | 1,954 |
| Cash dividends to net income (ytd only)* | 64.7059% | 872 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0446% | 3,316 |
| Loan loss allowance to noncurrent loans | 180.0000% | 2,769 |
| Noncurrent assets plus other real estate owned to assets | 0.2204% | 2,028 |
| Noncurrent loans to loans | 0.5804% | 1,281 |
| Net loans and leases to total assets | 37.5700% | 4,132 |
| Net loans and leases to deposits | 41.3936% | 4,182 |
| Net loans and leases to core deposits | 43.7262% | 4,181 |
| Total domestic deposits to total assets | 90.7700% | 878 |
| Equity capital to assets | 1.8638% | 4,639 |
| Core capital (leverage) ratio | 9.6794% | 3,024 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $70,159,500 | 4,200 |
| Average earning assets | $68,053,000 | 4,150 |
| Average equity | $873,000 | 4,647 |
| Average total loans | $26,669,500 | 4,274 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0134% | 4,117 |
| Cost of funding earning assets | 0.6326% | 782 |
| Net interest margin | 2.3808% | 4,372 |
| Noninterest income to average assets | 0.2400% | 3,705 |
| Noninterest expense to average assets | 1.9541% | 3,701 |
| Loan and lease loss provision to assets | 0.1700% | 670 |
| Net operating income to assets | 0.3792% | 4,265 |
| Return on assets (ROA) | 0.3792% | 4,231 |
| Pretax return on assets | 0.3792% | 4,301 |
| Return on Equity (ROE) | 10.3500% | 2,696 |
| Retained earnings to average equity (ytd only) | 3.3110% | 3,624 |
| Net charge-offs to loans | 0.1271% | 614 |
| Credit loss provision to net charge-offs | 369.6970% | 805 |
| Earnings coverage of net charge-offs (x) | 12.0303% | 2,126 |
| Efficiency ratio | 78.1147% | 844 |
| Assets per employee ($millions) | 6.9980% | 1,979 |
| Cash dividends to net income (ytd only)* | 68.0000% | 719 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7773% | 4,079 |
| Loan loss allowance to noncurrent loans | 89.2241% | 3,390 |
| Noncurrent assets plus other real estate owned to assets | 0.3315% | 1,522 |
| Noncurrent loans to loans | 0.8712% | 857 |
| Net loans and leases to total assets | 37.7600% | 4,152 |
| Net loans and leases to deposits | 41.0215% | 4,215 |
| Net loans and leases to core deposits | 44.0312% | 4,177 |
| Total domestic deposits to total assets | 92.0500% | 627 |
| Equity capital to assets | 0.6216% | 4,679 |
| Core capital (leverage) ratio | 9.6881% | 2,964 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $72,513,400 | 4,209 |
| Average earning assets | $68,926,600 | 4,174 |
| Average equity | $2,657,800 | 4,638 |
| Average total loans | $25,968,000 | 4,306 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9518% | 3,978 |
| Cost of funding earning assets | 0.5511% | 575 |
| Net interest margin | 2.4008% | 4,325 |
| Noninterest income to average assets | 0.2300% | 3,794 |
| Noninterest expense to average assets | 1.9631% | 3,580 |
| Loan and lease loss provision to assets | 0.2100% | 415 |
| Net operating income to assets | 0.3336% | 4,338 |
| Return on assets (ROA) | 0.3336% | 4,293 |
| Pretax return on assets | 0.3336% | 4,345 |
| Return on Equity (ROE) | 7.5900% | 3,439 |
| Retained earnings to average equity (ytd only) | 2.3235% | 3,954 |
| Net charge-offs to loans | 0.1344% | 482 |
| Credit loss provision to net charge-offs | 438.4615% | 668 |
| Earnings coverage of net charge-offs (x) | 11.4231% | 1,945 |
| Efficiency ratio | 78.3843% | 882 |
| Assets per employee ($millions) | 6.9507% | 1,984 |
| Cash dividends to net income (ytd only)* | 69.3989% | 639 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7911% | 4,115 |
| Loan loss allowance to noncurrent loans | 447.8261% | 1,706 |
| Noncurrent assets plus other real estate owned to assets | 0.0662% | 3,229 |
| Noncurrent loans to loans | 0.1767% | 2,703 |
| Net loans and leases to total assets | 37.1700% | 4,178 |
| Net loans and leases to deposits | 37.8616% | 4,309 |
| Net loans and leases to core deposits | 41.5055% | 4,237 |
| Total domestic deposits to total assets | 98.1600% | 49 |
| Equity capital to assets | 0.2460% | 4,712 |
| Core capital (leverage) ratio | 9.2711% | 3,319 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $73,146,750 | 4,236 |
| Average earning assets | $69,198,750 | 4,201 |
| Average equity | $3,213,500 | 4,639 |
| Average total loans | $25,802,250 | 4,342 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8694% | 3,853 |
| Cost of funding earning assets | 0.5418% | 414 |
| Net interest margin | 2.3276% | 4,305 |
| Noninterest income to average assets | 0.2259% | 3,838 |
| Noninterest expense to average assets | 1.8020% | 3,948 |
| Loan and lease loss provision to assets | 0.0699% | 1,362 |
| Net operating income to assets | 0.5379% | 3,803 |
| Return on assets (ROA) | 0.5379% | 3,758 |
| Pretax return on assets | 0.5379% | 3,943 |
| Return on Equity (ROE) | 9.4615% | 2,534 |
| Retained earnings to average equity (ytd only) | 3.5481% | 3,255 |
| Net charge-offs to loans | 0.1633% | 385 |
| Credit loss provision to net charge-offs | 123.8095% | 1,172 |
| Earnings coverage of net charge-offs (x) | 10.7619% | 1,748 |
| Efficiency ratio | 74.7768% | 1,415 |
| Assets per employee ($millions) | 7.3340% | 1,708 |
| Cash dividends to net income (ytd only)* | 62.5000% | 994 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4752% | 4,571 |
| Loan loss allowance to noncurrent loans | 107.8947% | 3,326 |
| Noncurrent assets plus other real estate owned to assets | 0.1554% | 2,621 |
| Noncurrent loans to loans | 0.4404% | 1,798 |
| Net loans and leases to total assets | 35.1268% | 4,287 |
| Net loans and leases to deposits | 36.4591% | 4,377 |
| Net loans and leases to core deposits | 39.5159% | 4,337 |
| Total domestic deposits to total assets | 96.3458% | 67 |
| Equity capital to assets | 3.2861% | 4,677 |
| Core capital (leverage) ratio | 8.9910% | 3,475 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $74,360,000 | 4,269 |
| Average earning assets | $69,770,667 | 4,249 |
| Average equity | $4,227,667 | 4,599 |
| Average total loans | $25,723,333 | 4,398 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8342% | 3,672 |
| Cost of funding earning assets | 0.5393% | 396 |
| Net interest margin | 2.2949% | 4,246 |
| Noninterest income to average assets | 0.2190% | 3,844 |
| Noninterest expense to average assets | 1.7203% | 4,107 |
| Loan and lease loss provision to assets | 0.0481% | 1,507 |
| Net operating income to assets | 0.5877% | 3,432 |
| Return on assets (ROA) | 0.5877% | 3,416 |
| Pretax return on assets | 0.5877% | 3,670 |
| Return on Equity (ROE) | 8.5661% | 2,491 |
| Retained earnings to average equity (ytd only) | 3.4265% | 3,140 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0159% | 1,853 |
| Assets per employee ($millions) | 7.5253% | 1,663 |
| Cash dividends to net income (ytd only)* | 60.0000% | 1,047 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5032% | 4,584 |
| Loan loss allowance to noncurrent loans | 38.9058% | 3,929 |
| Noncurrent assets plus other real estate owned to assets | 0.4372% | 1,388 |
| Noncurrent loans to loans | 1.2934% | 675 |
| Net loans and leases to total assets | 33.6306% | 4,317 |
| Net loans and leases to deposits | 35.5799% | 4,398 |
| Net loans and leases to core deposits | 38.5387% | 4,353 |
| Total domestic deposits to total assets | 94.5211% | 75 |
| Equity capital to assets | 5.1307% | 4,708 |
| Core capital (leverage) ratio | 8.7456% | 3,618 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $74,870,000 | 4,287 |
| Average earning assets | $69,719,000 | 4,270 |
| Average equity | $5,136,500 | 4,552 |
| Average total loans | $25,642,500 | 4,415 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0783% | 3,729 |
| Cost of funding earning assets | 0.6319% | 463 |
| Net interest margin | 2.4464% | 4,259 |
| Noninterest income to average assets | 0.2254% | 4,027 |
| Noninterest expense to average assets | 1.8146% | 4,117 |
| Loan and lease loss provision to assets | 0.0877% | 1,411 |
| Net operating income to assets | 0.5858% | 3,906 |
| Return on assets (ROA) | 0.5942% | 3,930 |
| Pretax return on assets | 0.5942% | 4,117 |
| Return on Equity (ROE) | 6.5109% | 3,640 |
| Retained earnings to average equity (ytd only) | 2.5769% | 3,807 |
| Net charge-offs to loans | 0.1422% | 660 |
| Credit loss provision to net charge-offs | 170.2703% | 1,406 |
| Earnings coverage of net charge-offs (x) | 13.0811% | 2,090 |
| Efficiency ratio | 72.9306% | 1,415 |
| Assets per employee ($millions) | 6.7715% | 2,092 |
| Cash dividends to net income (ytd only)* | 60.4215% | 1,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4565% | 4,655 |
| Loan loss allowance to noncurrent loans | 108.2569% | 3,326 |
| Noncurrent assets plus other real estate owned to assets | 0.1463% | 2,916 |
| Noncurrent loans to loans | 0.4217% | 2,085 |
| Net loans and leases to total assets | 34.5443% | 4,356 |
| Net loans and leases to deposits | 37.9211% | 4,407 |
| Net loans and leases to core deposits | 41.7447% | 4,346 |
| Total domestic deposits to total assets | 91.0951% | 461 |
| Equity capital to assets | 8.6082% | 3,985 |
| Core capital (leverage) ratio | 9.0819% | 3,317 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $71,862,000 | 4,316 |
| Average earning assets | $66,465,600 | 4,308 |
| Average equity | $6,558,200 | 4,472 |
| Average total loans | $26,013,400 | 4,458 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1225% | 3,762 |
| Cost of funding earning assets | 0.6501% | 496 |
| Net interest margin | 2.4724% | 4,322 |
| Noninterest income to average assets | 0.2284% | 4,037 |
| Noninterest expense to average assets | 1.7433% | 4,263 |
| Loan and lease loss provision to assets | 0.0955% | 1,248 |
| Net operating income to assets | 0.6685% | 3,842 |
| Return on assets (ROA) | 0.6797% | 3,879 |
| Pretax return on assets | 0.6797% | 4,104 |
| Return on Equity (ROE) | 7.3390% | 3,579 |
| Retained earnings to average equity (ytd only) | 3.0529% | 3,891 |
| Net charge-offs to loans | 0.1484% | 555 |
| Credit loss provision to net charge-offs | 175.8621% | 1,270 |
| Earnings coverage of net charge-offs (x) | 14.0690% | 1,903 |
| Efficiency ratio | 69.5295% | 1,650 |
| Assets per employee ($millions) | 6.6104% | 2,166 |
| Cash dividends to net income (ytd only)* | 58.4022% | 892 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4486% | 4,743 |
| Loan loss allowance to noncurrent loans | 87.5969% | 3,535 |
| Noncurrent assets plus other real estate owned to assets | 0.1774% | 2,933 |
| Noncurrent loans to loans | 0.5121% | 2,023 |
| Net loans and leases to total assets | 34.4885% | 4,447 |
| Net loans and leases to deposits | 38.1020% | 4,518 |
| Net loans and leases to core deposits | 41.8846% | 4,451 |
| Total domestic deposits to total assets | 90.5163% | 551 |
| Equity capital to assets | 9.0670% | 3,770 |
| Core capital (leverage) ratio | 8.9731% | 3,584 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $71,205,750 | 4,379 |
| Average earning assets | $65,629,000 | 4,374 |
| Average equity | $6,594,750 | 4,535 |
| Average total loans | $26,054,500 | 4,513 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2076% | 3,664 |
| Cost of funding earning assets | 0.6774% | 508 |
| Net interest margin | 2.5302% | 4,269 |
| Noninterest income to average assets | 0.2291% | 4,027 |
| Noninterest expense to average assets | 1.8443% | 4,087 |
| Loan and lease loss provision to assets | 0.1047% | 1,201 |
| Net operating income to assets | 0.5940% | 3,993 |
| Return on assets (ROA) | 0.6110% | 4,013 |
| Pretax return on assets | 0.6110% | 4,212 |
| Return on Equity (ROE) | 6.5501% | 3,770 |
| Retained earnings to average equity (ytd only) | 3.0021% | 3,837 |
| Net charge-offs to loans | 0.2050% | 418 |
| Credit loss provision to net charge-offs | 137.0370% | 1,198 |
| Earnings coverage of net charge-offs (x) | 9.1481% | 1,848 |
| Efficiency ratio | 72.5250% | 1,378 |
| Assets per employee ($millions) | 6.7279% | 2,002 |
| Cash dividends to net income (ytd only)* | 54.1667% | 1,103 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3920% | 4,803 |
| Loan loss allowance to noncurrent loans | 80.3150% | 3,582 |
| Noncurrent assets plus other real estate owned to assets | 0.1716% | 3,122 |
| Noncurrent loans to loans | 0.4880% | 2,219 |
| Net loans and leases to total assets | 35.0237% | 4,498 |
| Net loans and leases to deposits | 38.6583% | 4,558 |
| Net loans and leases to core deposits | 42.2459% | 4,511 |
| Total domestic deposits to total assets | 90.5982% | 518 |
| Equity capital to assets | 8.9708% | 3,820 |
| Core capital (leverage) ratio | 9.3317% | 3,093 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $70,703,000 | 4,414 |
| Average earning assets | $64,658,333 | 4,410 |
| Average equity | $6,595,333 | 4,561 |
| Average total loans | $26,342,333 | 4,541 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3747% | 3,273 |
| Cost of funding earning assets | 0.7350% | 480 |
| Net interest margin | 2.6397% | 4,077 |
| Noninterest income to average assets | 0.2375% | 3,971 |
| Noninterest expense to average assets | 1.8479% | 4,113 |
| Loan and lease loss provision to assets | 0.1564% | 817 |
| Net operating income to assets | 0.6256% | 3,877 |
| Return on assets (ROA) | 0.6604% | 3,875 |
| Pretax return on assets | 0.6604% | 4,095 |
| Return on Equity (ROE) | 6.9369% | 3,620 |
| Retained earnings to average equity (ytd only) | 4.1987% | 3,447 |
| Net charge-offs to loans | 0.4226% | 196 |
| Credit loss provision to net charge-offs | 96.4286% | 1,155 |
| Earnings coverage of net charge-offs (x) | 4.8214% | 1,706 |
| Efficiency ratio | 70.2643% | 1,666 |
| Assets per employee ($millions) | 6.4078% | 2,247 |
| Cash dividends to net income (ytd only)* | 39.4737% | 1,399 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3486% | 4,853 |
| Loan loss allowance to noncurrent loans | 118.1818% | 3,133 |
| Noncurrent assets plus other real estate owned to assets | 0.1092% | 3,627 |
| Noncurrent loans to loans | 0.2950% | 3,045 |
| Net loans and leases to total assets | 36.9009% | 4,462 |
| Net loans and leases to deposits | 40.5614% | 4,543 |
| Net loans and leases to core deposits | 44.4912% | 4,484 |
| Total domestic deposits to total assets | 90.9755% | 402 |
| Equity capital to assets | 8.6301% | 4,022 |
| Core capital (leverage) ratio | 9.6540% | 2,865 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $69,051,000 | 4,448 |
| Average earning assets | $62,583,000 | 4,453 |
| Average equity | $6,573,500 | 4,577 |
| Average total loans | $26,502,500 | 4,557 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6470% | 3,707 |
| Cost of funding earning assets | 1.0308% | 530 |
| Net interest margin | 2.6161% | 4,480 |
| Noninterest income to average assets | 0.2766% | 3,820 |
| Noninterest expense to average assets | 1.8660% | 4,372 |
| Loan and lease loss provision to assets | 0.1803% | 2,139 |
| Net operating income to assets | 0.6403% | 3,624 |
| Return on assets (ROA) | 0.6403% | 3,748 |
| Pretax return on assets | 0.6388% | 3,996 |
| Return on Equity (ROE) | 6.0799% | 3,558 |
| Retained earnings to average equity (ytd only) | 2.1475% | 3,764 |
| Net charge-offs to loans | 0.5679% | 264 |
| Credit loss provision to net charge-offs | 74.2138% | 3,023 |
| Earnings coverage of net charge-offs (x) | 3.3711% | 3,091 |
| Efficiency ratio | 69.4935% | 2,019 |
| Assets per employee ($millions) | 6.1469% | 2,212 |
| Cash dividends to net income (ytd only)* | 64.6778% | 1,156 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3420% | 4,883 |
| Loan loss allowance to noncurrent loans | 27.3810% | 4,310 |
| Noncurrent assets plus other real estate owned to assets | 0.4969% | 2,078 |
| Noncurrent loans to loans | 1.2489% | 1,099 |
| Net loans and leases to total assets | 39.6533% | 4,452 |
| Net loans and leases to deposits | 44.4976% | 4,514 |
| Net loans and leases to core deposits | 49.3403% | 4,447 |
| Total domestic deposits to total assets | 89.1135% | 938 |
| Equity capital to assets | 10.4472% | 2,717 |
| Core capital (leverage) ratio | 9.7075% | 2,903 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $65,435,600 | 4,439 |
| Average earning assets | $60,241,800 | 4,434 |
| Average equity | $6,891,600 | 4,540 |
| Average total loans | $27,997,600 | 4,557 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6788% | 3,845 |
| Cost of funding earning assets | 1.0754% | 584 |
| Net interest margin | 2.6034% | 4,568 |
| Noninterest income to average assets | 0.2630% | 3,893 |
| Noninterest expense to average assets | 1.8451% | 4,416 |
| Loan and lease loss provision to assets | 0.1110% | 2,933 |
| Net operating income to assets | 0.7274% | 3,362 |
| Return on assets (ROA) | 0.7274% | 3,465 |
| Pretax return on assets | 0.7294% | 3,830 |
| Return on Equity (ROE) | 6.8918% | 3,240 |
| Retained earnings to average equity (ytd only) | 2.4336% | 3,770 |
| Net charge-offs to loans | 0.3679% | 428 |
| Credit loss provision to net charge-offs | 69.2308% | 2,816 |
| Earnings coverage of net charge-offs (x) | 5.2436% | 2,751 |
| Efficiency ratio | 68.7070% | 2,084 |
| Assets per employee ($millions) | 7.3424% | 1,305 |
| Cash dividends to net income (ytd only)* | 64.6893% | 972 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3970% | 4,887 |
| Loan loss allowance to noncurrent loans | 50.4630% | 4,016 |
| Noncurrent assets plus other real estate owned to assets | 0.3269% | 2,829 |
| Noncurrent loans to loans | 0.7867% | 1,853 |
| Net loans and leases to total assets | 41.3819% | 4,519 |
| Net loans and leases to deposits | 46.5884% | 4,589 |
| Net loans and leases to core deposits | 51.5709% | 4,541 |
| Total domestic deposits to total assets | 88.8245% | 851 |
| Equity capital to assets | 10.6262% | 2,686 |
| Core capital (leverage) ratio | 9.7149% | 3,011 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $64,890,500 | 4,458 |
| Average earning assets | $60,381,000 | 4,454 |
| Average equity | $6,848,500 | 4,565 |
| Average total loans | $28,271,000 | 4,568 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7323% | 4,019 |
| Cost of funding earning assets | 1.1333% | 642 |
| Net interest margin | 2.5990% | 4,655 |
| Noninterest income to average assets | 0.2636% | 3,890 |
| Noninterest expense to average assets | 1.8669% | 4,465 |
| Loan and lease loss provision to assets | 0.0899% | 3,142 |
| Net operating income to assets | 0.7288% | 3,288 |
| Return on assets (ROA) | 0.7288% | 3,396 |
| Pretax return on assets | 0.7319% | 3,794 |
| Return on Equity (ROE) | 6.9213% | 3,162 |
| Retained earnings to average equity (ytd only) | 2.4740% | 3,592 |
| Net charge-offs to loans | 0.2593% | 608 |
| Credit loss provision to net charge-offs | 78.3784% | 2,513 |
| Earnings coverage of net charge-offs (x) | 7.1622% | 2,391 |
| Efficiency ratio | 69.4348% | 2,027 |
| Assets per employee ($millions) | 7.4196% | 1,217 |
| Cash dividends to net income (ytd only)* | 64.2553% | 1,111 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4461% | 4,881 |
| Loan loss allowance to noncurrent loans | 79.1139% | 3,537 |
| Noncurrent assets plus other real estate owned to assets | 0.3175% | 3,045 |
| Noncurrent loans to loans | 0.5638% | 2,474 |
| Net loans and leases to total assets | 41.7770% | 4,534 |
| Net loans and leases to deposits | 46.9686% | 4,623 |
| Net loans and leases to core deposits | 52.4449% | 4,546 |
| Total domestic deposits to total assets | 88.9466% | 762 |
| Equity capital to assets | 10.5083% | 2,739 |
| Core capital (leverage) ratio | 9.7670% | 3,068 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $64,493,333 | 4,476 |
| Average earning assets | $60,177,000 | 4,469 |
| Average equity | $6,790,667 | 4,591 |
| Average total loans | $28,543,000 | 4,588 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7221% | 4,344 |
| Cost of funding earning assets | 1.2206% | 719 |
| Net interest margin | 2.5015% | 4,826 |
| Noninterest income to average assets | 0.3157% | 3,626 |
| Noninterest expense to average assets | 1.8689% | 4,578 |
| Loan and lease loss provision to assets | 0.0884% | 2,579 |
| Net operating income to assets | 0.7135% | 3,229 |
| Return on assets (ROA) | 0.7135% | 3,307 |
| Pretax return on assets | 0.7135% | 3,639 |
| Return on Equity (ROE) | 6.7690% | 3,039 |
| Retained earnings to average equity (ytd only) | 2.0966% | 3,413 |
| Net charge-offs to loans | 0.6944% | 217 |
| Credit loss provision to net charge-offs | 28.0000% | 2,165 |
| Earnings coverage of net charge-offs (x) | 2.5400% | 2,277 |
| Efficiency ratio | 69.9764% | 2,356 |
| Assets per employee ($millions) | 7.1730% | 1,016 |
| Cash dividends to net income (ytd only)* | 69.0265% | 1,220 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3403% | 4,974 |
| Loan loss allowance to noncurrent loans | 21.4602% | 4,500 |
| Noncurrent assets plus other real estate owned to assets | 0.7002% | 1,912 |
| Noncurrent loans to loans | 1.5859% | 991 |
| Net loans and leases to total assets | 43.9999% | 4,505 |
| Net loans and leases to deposits | 49.6105% | 4,608 |
| Net loans and leases to core deposits | 56.1619% | 4,487 |
| Total domestic deposits to total assets | 88.6906% | 805 |
| Equity capital to assets | 10.7084% | 3,129 |
| Core capital (leverage) ratio | 10.1545% | 3,286 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $63,352,000 | 4,507 |
| Average earning assets | $59,643,500 | 4,486 |
| Average equity | $6,677,500 | 4,636 |
| Average total loans | $28,803,500 | 4,620 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9107% | 4,418 |
| Cost of funding earning assets | 1.2191% | 983 |
| Net interest margin | 2.6916% | 4,843 |
| Noninterest income to average assets | 0.3288% | 3,732 |
| Noninterest expense to average assets | 1.8964% | 4,668 |
| Loan and lease loss provision to assets | 0.0654% | 2,712 |
| Net operating income to assets | 0.9386% | 3,063 |
| Return on assets (ROA) | 0.9386% | 3,143 |
| Pretax return on assets | 0.9434% | 3,623 |
| Return on Equity (ROE) | 9.4334% | 2,555 |
| Retained earnings to average equity (ytd only) | 3.4172% | 3,300 |
| Net charge-offs to loans | 0.1448% | 1,356 |
| Credit loss provision to net charge-offs | 97.6190% | 2,541 |
| Earnings coverage of net charge-offs (x) | 15.0476% | 2,253 |
| Efficiency ratio | 65.2747% | 2,880 |
| Assets per employee ($millions) | 6.9052% | 1,082 |
| Cash dividends to net income (ytd only)* | 63.7755% | 1,397 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4570% | 4,940 |
| Loan loss allowance to noncurrent loans | 36.1413% | 4,337 |
| Noncurrent assets plus other real estate owned to assets | 0.5921% | 2,122 |
| Noncurrent loans to loans | 1.2644% | 1,189 |
| Net loans and leases to total assets | 46.6185% | 4,499 |
| Net loans and leases to deposits | 52.3546% | 4,596 |
| Net loans and leases to core deposits | 59.5801% | 4,460 |
| Total domestic deposits to total assets | 89.0437% | 651 |
| Equity capital to assets | 10.3657% | 3,576 |
| Core capital (leverage) ratio | 10.1246% | 3,385 |
| Tier 1 risk-based capital ratio | 20.3049% | 1,278 |
| Total risk-based capital ratio | 20.7282% | 1,381 |
| Memoranda: | ||
| Average total assets | $62,644,000 | 4,556 |
| Average earning assets | $59,964,000 | 4,513 |
| Average equity | $6,233,200 | 4,732 |
| Average total loans | $29,001,000 | 4,661 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9070% | 4,529 |
| Cost of funding earning assets | 1.1929% | 1,053 |
| Net interest margin | 2.7140% | 4,930 |
| Noninterest income to average assets | 0.3250% | 3,801 |
| Noninterest expense to average assets | 1.8332% | 4,775 |
| Loan and lease loss provision to assets | 0.0637% | 2,616 |
| Net operating income to assets | 1.0238% | 2,891 |
| Return on assets (ROA) | 1.0238% | 2,967 |
| Pretax return on assets | 1.0281% | 3,502 |
| Return on Equity (ROE) | 10.3972% | 2,252 |
| Retained earnings to average equity (ytd only) | 3.7750% | 3,508 |
| Net charge-offs to loans | 0.0920% | 1,553 |
| Credit loss provision to net charge-offs | 150.0000% | 1,631 |
| Earnings coverage of net charge-offs (x) | 25.6963% | 1,765 |
| Efficiency ratio | 62.6725% | 3,217 |
| Assets per employee ($millions) | 7.0610% | 1,005 |
| Cash dividends to net income (ytd only)* | 63.6925% | 1,157 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4957% | 4,978 |
| Loan loss allowance to noncurrent loans | 61.7021% | 3,967 |
| Noncurrent assets plus other real estate owned to assets | 0.3698% | 3,027 |
| Noncurrent loans to loans | 0.8033% | 1,966 |
| Net loans and leases to total assets | 45.8056% | 4,609 |
| Net loans and leases to deposits | 51.5486% | 4,725 |
| Net loans and leases to core deposits | 58.1389% | 4,601 |
| Total domestic deposits to total assets | 88.8590% | 670 |
| Equity capital to assets | 10.3322% | 3,689 |
| Core capital (leverage) ratio | 9.9855% | 3,655 |
| Tier 1 risk-based capital ratio | 19.8591% | 1,383 |
| Total risk-based capital ratio | 20.3131% | 1,526 |
| Memoranda: | ||
| Average total assets | $62,768,250 | 4,605 |
| Average earning assets | $60,130,250 | 4,567 |
| Average equity | $6,181,000 | 4,801 |
| Average total loans | $28,975,000 | 4,726 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9280% | 4,516 |
| Cost of funding earning assets | 1.1604% | 1,105 |
| Net interest margin | 2.7676% | 4,952 |
| Noninterest income to average assets | 0.3168% | 3,809 |
| Noninterest expense to average assets | 1.8526% | 4,810 |
| Loan and lease loss provision to assets | 0.0640% | 2,534 |
| Net operating income to assets | 1.0527% | 2,713 |
| Return on assets (ROA) | 1.0527% | 2,780 |
| Pretax return on assets | 1.0559% | 3,367 |
| Return on Equity (ROE) | 10.8712% | 2,032 |
| Retained earnings to average equity (ytd only) | 4.0313% | 3,234 |
| Net charge-offs to loans | 0.1177% | 1,253 |
| Credit loss provision to net charge-offs | 117.6471% | 1,766 |
| Earnings coverage of net charge-offs (x) | 20.5882% | 1,763 |
| Efficiency ratio | 62.3251% | 3,379 |
| Assets per employee ($millions) | 6.9936% | 1,000 |
| Cash dividends to net income (ytd only)* | 62.9179% | 1,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4679% | 5,053 |
| Loan loss allowance to noncurrent loans | 55.2419% | 4,087 |
| Noncurrent assets plus other real estate owned to assets | 0.3940% | 2,930 |
| Noncurrent loans to loans | 0.8471% | 1,909 |
| Net loans and leases to total assets | 46.2966% | 4,632 |
| Net loans and leases to deposits | 51.9300% | 4,742 |
| Net loans and leases to core deposits | 58.6306% | 4,620 |
| Total domestic deposits to total assets | 89.1519% | 605 |
| Equity capital to assets | 10.2587% | 3,738 |
| Core capital (leverage) ratio | 9.8390% | 3,775 |
| Tier 1 risk-based capital ratio | 19.7210% | 1,401 |
| Total risk-based capital ratio | 20.1505% | 1,544 |
| Memoranda: | ||
| Average total assets | $62,508,000 | 4,644 |
| Average earning assets | $59,979,000 | 4,609 |
| Average equity | $6,052,670 | 4,847 |
| Average total loans | $28,882,000 | 4,767 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9301% | 4,502 |
| Cost of funding earning assets | 1.1410% | 1,066 |
| Net interest margin | 2.7891% | 4,998 |
| Noninterest income to average assets | 0.3018% | 3,864 |
| Noninterest expense to average assets | 1.8365% | 4,879 |
| Loan and lease loss provision to assets | 0.0578% | 2,505 |
| Net operating income to assets | 1.0917% | 2,505 |
| Return on assets (ROA) | 1.0917% | 2,549 |
| Pretax return on assets | 1.0917% | 3,176 |
| Return on Equity (ROE) | 11.6229% | 1,682 |
| Retained earnings to average equity (ytd only) | 4.2390% | 3,221 |
| Net charge-offs to loans | 0.0418% | 1,673 |
| Credit loss provision to net charge-offs | 300.0000% | 819 |
| Earnings coverage of net charge-offs (x) | 59.6667% | 919 |
| Efficiency ratio | 61.5054% | 3,609 |
| Assets per employee ($millions) | 7.4321% | 842 |
| Cash dividends to net income (ytd only)* | 63.5294% | 1,267 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4878% | 5,094 |
| Loan loss allowance to noncurrent loans | 76.0870% | 3,758 |
| Noncurrent assets plus other real estate owned to assets | 0.2751% | 3,506 |
| Noncurrent loans to loans | 0.6412% | 2,409 |
| Net loans and leases to total assets | 42.6946% | 4,805 |
| Net loans and leases to deposits | 47.2791% | 4,890 |
| Net loans and leases to core deposits | 52.6104% | 4,825 |
| Total domestic deposits to total assets | 90.3033% | 356 |
| Equity capital to assets | 9.0927% | 4,622 |
| Core capital (leverage) ratio | 9.7155% | 3,900 |
| Tier 1 risk-based capital ratio | 19.2336% | 1,497 |
| Total risk-based capital ratio | 19.6659% | 1,626 |
| Memoranda: | ||
| Average total assets | $62,291,000 | 4,699 |
| Average earning assets | $59,948,000 | 4,651 |
| Average equity | $5,850,500 | 4,911 |
| Average total loans | $28,684,500 | 4,823 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0501% | 3,892 |
| Cost of funding earning assets | 0.9073% | 1,060 |
| Net interest margin | 3.1429% | 4,592 |
| Noninterest income to average assets | 0.4183% | 3,322 |
| Noninterest expense to average assets | 2.1211% | 4,516 |
| Loan and lease loss provision to assets | 0.0575% | 3,011 |
| Net operating income to assets | 1.2584% | 1,947 |
| Return on assets (ROA) | 1.2584% | 1,943 |
| Pretax return on assets | 1.2584% | 2,662 |
| Return on Equity (ROE) | 13.1493% | 1,287 |
| Retained earnings to average equity (ytd only) | 3.0961% | 3,844 |
| Net charge-offs to loans | 0.2898% | 670 |
| Credit loss provision to net charge-offs | 41.2500% | 3,270 |
| Earnings coverage of net charge-offs (x) | 9.4375% | 2,810 |
| Efficiency ratio | 61.7140% | 3,580 |
| Assets per employee ($millions) | 6.4103% | 1,259 |
| Cash dividends to net income (ytd only)* | 76.4543% | 813 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4674% | 5,157 |
| Loan loss allowance to noncurrent loans | 82.7160% | 3,690 |
| Noncurrent assets plus other real estate owned to assets | 0.2808% | 3,458 |
| Noncurrent loans to loans | 0.5650% | 2,575 |
| Net loans and leases to total assets | 49.4635% | 4,560 |
| Net loans and leases to deposits | 58.7822% | 4,539 |
| Net loans and leases to core deposits | 67.6745% | 4,252 |
| Total domestic deposits to total assets | 84.1471% | 2,957 |
| Equity capital to assets | 9.7395% | 3,924 |
| Core capital (leverage) ratio | 10.7559% | 2,782 |
| Tier 1 risk-based capital ratio | 20.1800% | 1,276 |
| Total risk-based capital ratio | 20.6185% | 1,394 |
| Memoranda: | ||
| Average total assets | $57,376,200 | 4,809 |
| Average earning assets | $55,109,200 | 4,769 |
| Average equity | $5,490,800 | 4,971 |
| Average total loans | $27,601,000 | 4,875 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0507% | 3,783 |
| Cost of funding earning assets | 0.8291% | 1,198 |
| Net interest margin | 3.2217% | 4,473 |
| Noninterest income to average assets | 0.4352% | 3,255 |
| Noninterest expense to average assets | 2.0966% | 4,563 |
| Loan and lease loss provision to assets | 0.0558% | 2,857 |
| Net operating income to assets | 1.3706% | 1,589 |
| Return on assets (ROA) | 1.3706% | 1,590 |
| Pretax return on assets | 1.3753% | 2,325 |
| Return on Equity (ROE) | 14.3863% | 1,014 |
| Retained earnings to average equity (ytd only) | 6.5704% | 2,354 |
| Net charge-offs to loans | 0.3268% | 510 |
| Credit loss provision to net charge-offs | 35.8209% | 2,938 |
| Earnings coverage of net charge-offs (x) | 9.1792% | 2,660 |
| Efficiency ratio | 59.4327% | 3,901 |
| Assets per employee ($millions) | 6.3939% | 1,238 |
| Cash dividends to net income (ytd only)* | 54.3301% | 1,427 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4944% | 5,194 |
| Loan loss allowance to noncurrent loans | 67.8049% | 4,037 |
| Noncurrent assets plus other real estate owned to assets | 0.3562% | 3,251 |
| Noncurrent loans to loans | 0.7291% | 2,258 |
| Net loans and leases to total assets | 48.6159% | 4,685 |
| Net loans and leases to deposits | 57.9489% | 4,646 |
| Net loans and leases to core deposits | 66.8323% | 4,365 |
| Total domestic deposits to total assets | 83.8943% | 2,981 |
| Equity capital to assets | 9.1389% | 4,429 |
| Core capital (leverage) ratio | 10.9204% | 2,659 |
| Tier 1 risk-based capital ratio | 20.4691% | 1,256 |
| Total risk-based capital ratio | 20.9232% | 1,370 |
| Memoranda: | ||
| Average total assets | $57,297,000 | 4,861 |
| Average earning assets | $55,001,000 | 4,822 |
| Average equity | $5,458,750 | 5,038 |
| Average total loans | $27,333,500 | 4,934 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0359% | 3,665 |
| Cost of funding earning assets | 0.7715% | 1,275 |
| Net interest margin | 3.2644% | 4,344 |
| Noninterest income to average assets | 0.3985% | 3,498 |
| Noninterest expense to average assets | 2.1358% | 4,530 |
| Loan and lease loss provision to assets | 0.0524% | 2,865 |
| Net operating income to assets | 1.3423% | 1,628 |
| Return on assets (ROA) | 1.3423% | 1,637 |
| Pretax return on assets | 1.3458% | 2,339 |
| Return on Equity (ROE) | 13.8996% | 1,100 |
| Retained earnings to average equity (ytd only) | 6.4793% | 2,320 |
| Net charge-offs to loans | 0.0813% | 1,514 |
| Credit loss provision to net charge-offs | 136.3636% | 1,672 |
| Earnings coverage of net charge-offs (x) | 36.3636% | 1,364 |
| Efficiency ratio | 60.4352% | 3,878 |
| Assets per employee ($millions) | 6.3541% | 1,237 |
| Cash dividends to net income (ytd only)* | 53.3854% | 1,547 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6695% | 4,997 |
| Loan loss allowance to noncurrent loans | 161.4035% | 2,634 |
| Noncurrent assets plus other real estate owned to assets | 0.3270% | 3,453 |
| Noncurrent loans to loans | 0.4148% | 3,210 |
| Net loans and leases to total assets | 47.7346% | 4,736 |
| Net loans and leases to deposits | 56.0557% | 4,751 |
| Net loans and leases to core deposits | 63.7923% | 4,501 |
| Total domestic deposits to total assets | 85.1557% | 2,618 |
| Equity capital to assets | 9.3640% | 4,221 |
| Core capital (leverage) ratio | 10.8210% | 2,679 |
| Tier 1 risk-based capital ratio | 20.5402% | 1,240 |
| Total risk-based capital ratio | 21.1522% | 1,313 |
| Memoranda: | ||
| Average total assets | $57,214,330 | 4,916 |
| Average earning assets | $54,956,670 | 4,879 |
| Average equity | $5,525,330 | 5,075 |
| Average total loans | $27,073,000 | 4,992 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0746% | 3,325 |
| Cost of funding earning assets | 0.6755% | 1,562 |
| Net interest margin | 3.3991% | 3,887 |
| Noninterest income to average assets | 0.4124% | 3,380 |
| Noninterest expense to average assets | 2.1388% | 4,560 |
| Loan and lease loss provision to assets | 0.0419% | 2,919 |
| Net operating income to assets | 1.4958% | 1,091 |
| Return on assets (ROA) | 1.4958% | 1,099 |
| Pretax return on assets | 1.5028% | 1,676 |
| Return on Equity (ROE) | 15.2571% | 762 |
| Retained earnings to average equity (ytd only) | 10.6942% | 965 |
| Net charge-offs to loans | 0.0149% | 2,226 |
| Credit loss provision to net charge-offs | 600.0000% | 515 |
| Earnings coverage of net charge-offs (x) | 221.0000% | 301 |
| Efficiency ratio | 58.0645% | 4,327 |
| Assets per employee ($millions) | 6.3061% | 1,307 |
| Cash dividends to net income (ytd only)* | 29.9065% | 2,152 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6941% | 5,041 |
| Loan loss allowance to noncurrent loans | 295.2381% | 1,662 |
| Noncurrent assets plus other real estate owned to assets | 0.1110% | 4,539 |
| Noncurrent loans to loans | 0.2351% | 3,930 |
| Net loans and leases to total assets | 46.8910% | 4,759 |
| Net loans and leases to deposits | 53.2644% | 4,831 |
| Net loans and leases to core deposits | 59.7602% | 4,670 |
| Total domestic deposits to total assets | 88.0345% | 1,598 |
| Equity capital to assets | 9.6626% | 3,927 |
| Core capital (leverage) ratio | 10.7982% | 2,632 |
| Tier 1 risk-based capital ratio | 20.7860% | 1,234 |
| Total risk-based capital ratio | 21.4150% | 1,288 |
| Memoranda: | ||
| Average total assets | $57,228,000 | 4,975 |
| Average earning assets | $55,073,000 | 4,933 |
| Average equity | $5,610,500 | 5,119 |
| Average total loans | $26,868,500 | 5,049 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0532% | 3,235 |
| Cost of funding earning assets | 0.6098% | 1,531 |
| Net interest margin | 3.4434% | 3,708 |
| Noninterest income to average assets | 0.4064% | 3,595 |
| Noninterest expense to average assets | 2.3087% | 4,307 |
| Loan and lease loss provision to assets | 0.1981% | 1,049 |
| Net operating income to assets | 1.1731% | 1,605 |
| Return on assets (ROA) | 1.1731% | 1,628 |
| Pretax return on assets | 1.1782% | 2,859 |
| Return on Equity (ROE) | 11.8469% | 1,254 |
| Retained earnings to average equity (ytd only) | 2.7419% | 3,670 |
| Net charge-offs to loans | 0.2779% | 939 |
| Credit loss provision to net charge-offs | 156.7568% | 1,707 |
| Earnings coverage of net charge-offs (x) | 10.8919% | 2,623 |
| Efficiency ratio | 62.6506% | 3,837 |
| Assets per employee ($millions) | 6.4112% | 1,258 |
| Cash dividends to net income (ytd only)* | 76.8559% | 950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6719% | 5,120 |
| Loan loss allowance to noncurrent loans | 210.4651% | 2,208 |
| Noncurrent assets plus other real estate owned to assets | 0.1490% | 4,396 |
| Noncurrent loans to loans | 0.3193% | 3,629 |
| Net loans and leases to total assets | 46.3718% | 4,865 |
| Net loans and leases to deposits | 52.4801% | 4,962 |
| Net loans and leases to core deposits | 59.0649% | 4,798 |
| Total domestic deposits to total assets | 88.3607% | 1,324 |
| Equity capital to assets | 9.9426% | 3,769 |
| Core capital (leverage) ratio | 10.2168% | 3,170 |
| Tier 1 risk-based capital ratio | 20.1161% | 1,295 |
| Total risk-based capital ratio | 20.7234% | 1,392 |
| Memoranda: | ||
| Average total assets | $58,562,200 | 4,992 |
| Average earning assets | $55,758,600 | 4,959 |
| Average equity | $5,799,000 | 5,132 |
| Average total loans | $26,624,200 | 5,107 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0518% | 3,170 |
| Cost of funding earning assets | 0.5945% | 1,567 |
| Net interest margin | 3.4573% | 3,646 |
| Noninterest income to average assets | 0.4060% | 3,647 |
| Noninterest expense to average assets | 2.2661% | 4,384 |
| Loan and lease loss provision to assets | 0.0567% | 2,954 |
| Net operating income to assets | 1.3656% | 1,169 |
| Return on assets (ROA) | 1.3656% | 1,183 |
| Pretax return on assets | 1.3678% | 2,228 |
| Return on Equity (ROE) | 13.8043% | 874 |
| Retained earnings to average equity (ytd only) | 4.7466% | 3,051 |
| Net charge-offs to loans | 0.2110% | 1,020 |
| Credit loss provision to net charge-offs | 59.5238% | 2,811 |
| Earnings coverage of net charge-offs (x) | 14.9520% | 2,266 |
| Efficiency ratio | 61.4014% | 3,974 |
| Assets per employee ($millions) | 6.6350% | 1,109 |
| Cash dividends to net income (ytd only)* | 65.6139% | 1,124 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4517% | 5,515 |
| Loan loss allowance to noncurrent loans | 96.8254% | 3,583 |
| Noncurrent assets plus other real estate owned to assets | 0.2110% | 4,230 |
| Noncurrent loans to loans | 0.4665% | 3,301 |
| Net loans and leases to total assets | 45.0272% | 4,985 |
| Net loans and leases to deposits | 50.2965% | 5,117 |
| Net loans and leases to core deposits | 55.3775% | 5,025 |
| Total domestic deposits to total assets | 89.5236% | 650 |
| Equity capital to assets | 10.0025% | 3,907 |
| Core capital (leverage) ratio | 10.1944% | 3,321 |
| Tier 1 risk-based capital ratio | 19.8379% | 1,399 |
| Total risk-based capital ratio | 20.2383% | 1,551 |
| Memoranda: | ||
| Average total assets | $58,777,500 | 5,043 |
| Average earning assets | $55,841,500 | 5,009 |
| Average equity | $5,814,500 | 5,187 |
| Average total loans | $26,545,750 | 5,162 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0365% | 3,058 |
| Cost of funding earning assets | 0.5792% | 1,580 |
| Net interest margin | 3.4572% | 3,560 |
| Noninterest income to average assets | 0.4037% | 3,668 |
| Noninterest expense to average assets | 2.2749% | 4,418 |
| Loan and lease loss provision to assets | 0.0616% | 2,731 |
| Net operating income to assets | 1.3512% | 1,176 |
| Return on assets (ROA) | 1.3512% | 1,202 |
| Pretax return on assets | 1.3547% | 2,190 |
| Return on Equity (ROE) | 13.7113% | 866 |
| Retained earnings to average equity (ytd only) | 4.4432% | 3,069 |
| Net charge-offs to loans | 0.2728% | 740 |
| Credit loss provision to net charge-offs | 50.0000% | 2,561 |
| Earnings coverage of net charge-offs (x) | 11.5000% | 2,270 |
| Efficiency ratio | 61.6311% | 4,065 |
| Assets per employee ($millions) | 6.5421% | 1,129 |
| Cash dividends to net income (ytd only)* | 67.5949% | 1,219 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4494% | 5,564 |
| Loan loss allowance to noncurrent loans | 252.0833% | 1,819 |
| Noncurrent assets plus other real estate owned to assets | 0.0815% | 4,870 |
| Noncurrent loans to loans | 0.1783% | 4,406 |
| Net loans and leases to total assets | 45.5188% | 4,970 |
| Net loans and leases to deposits | 52.6729% | 5,030 |
| Net loans and leases to core deposits | 58.3264% | 4,905 |
| Total domestic deposits to total assets | 86.4179% | 2,190 |
| Equity capital to assets | 10.0409% | 3,867 |
| Core capital (leverage) ratio | 10.2446% | 3,214 |
| Tier 1 risk-based capital ratio | 19.6282% | 1,441 |
| Total risk-based capital ratio | 20.0263% | 1,603 |
| Memoranda: | ||
| Average total assets | $58,465,000 | 5,092 |
| Average earning assets | $55,593,330 | 5,056 |
| Average equity | $5,761,670 | 5,226 |
| Average total loans | $26,391,000 | 5,205 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0271% | 2,938 |
| Cost of funding earning assets | 0.5587% | 1,664 |
| Net interest margin | 3.4684% | 3,394 |
| Noninterest income to average assets | 0.4051% | 3,620 |
| Noninterest expense to average assets | 2.1903% | 4,671 |
| Loan and lease loss provision to assets | 0.0687% | 2,439 |
| Net operating income to assets | 1.4281% | 942 |
| Return on assets (ROA) | 1.4281% | 967 |
| Pretax return on assets | 1.4281% | 1,777 |
| Return on Equity (ROE) | 14.6311% | 695 |
| Retained earnings to average equity (ytd only) | 5.2053% | 2,785 |
| Net charge-offs to loans | 0.5359% | 331 |
| Credit loss provision to net charge-offs | 28.5714% | 2,121 |
| Earnings coverage of net charge-offs (x) | 6.2286% | 2,228 |
| Efficiency ratio | 59.4041% | 4,544 |
| Assets per employee ($millions) | 6.4701% | 1,204 |
| Cash dividends to net income (ytd only)* | 64.4231% | 1,311 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4342% | 5,658 |
| Loan loss allowance to noncurrent loans | 34.5455% | 4,961 |
| Noncurrent assets plus other real estate owned to assets | 0.5667% | 2,962 |
| Noncurrent loans to loans | 1.2569% | 1,608 |
| Net loans and leases to total assets | 44.8936% | 4,991 |
| Net loans and leases to deposits | 50.0373% | 5,130 |
| Net loans and leases to core deposits | 55.2580% | 5,008 |
| Total domestic deposits to total assets | 89.7203% | 784 |
| Equity capital to assets | 9.8899% | 3,887 |
| Core capital (leverage) ratio | 10.1114% | 3,367 |
| Tier 1 risk-based capital ratio | 19.7818% | 1,430 |
| Total risk-based capital ratio | 20.1633% | 1,595 |
| Memoranda: | ||
| Average total assets | $58,258,000 | 5,148 |
| Average earning assets | $55,126,000 | 5,119 |
| Average equity | $5,686,500 | 5,286 |
| Average total loans | $26,125,500 | 5,268 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0656% | 2,971 |
| Cost of funding earning assets | 0.4991% | 2,094 |
| Net interest margin | 3.5665% | 3,201 |
| Noninterest income to average assets | 0.4156% | 3,772 |
| Noninterest expense to average assets | 2.3355% | 4,469 |
| Loan and lease loss provision to assets | 0.0421% | 3,544 |
| Net operating income to assets | 1.3817% | 1,046 |
| Return on assets (ROA) | 1.3817% | 1,089 |
| Pretax return on assets | 1.3834% | 2,003 |
| Return on Equity (ROE) | 13.4096% | 905 |
| Retained earnings to average equity (ytd only) | 6.3304% | 1,540 |
| Net charge-offs to loans | 0.2015% | 1,378 |
| Credit loss provision to net charge-offs | 47.0588% | 3,412 |
| Earnings coverage of net charge-offs (x) | 15.9412% | 2,156 |
| Efficiency ratio | 62.0979% | 4,228 |
| Assets per employee ($millions) | 6.4761% | 1,168 |
| Cash dividends to net income (ytd only)* | 52.7919% | 2,138 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5347% | 5,622 |
| Loan loss allowance to noncurrent loans | 339.0244% | 1,476 |
| Noncurrent assets plus other real estate owned to assets | 0.1630% | 4,668 |
| Noncurrent loans to loans | 0.1577% | 4,609 |
| Net loans and leases to total assets | 44.3613% | 5,093 |
| Net loans and leases to deposits | 49.2702% | 5,241 |
| Net loans and leases to core deposits | 54.2123% | 5,138 |
| Total domestic deposits to total assets | 90.0369% | 618 |
| Equity capital to assets | 9.6320% | 4,138 |
| Core capital (leverage) ratio | 9.9341% | 3,581 |
| Tier 1 risk-based capital ratio | 19.7457% | 1,429 |
| Total risk-based capital ratio | 20.2158% | 1,573 |
| Memoranda: | ||
| Average total assets | $57,032,400 | 5,212 |
| Average earning assets | $53,498,200 | 5,178 |
| Average equity | $5,876,400 | 5,296 |
| Average total loans | $25,306,400 | 5,337 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0646% | 2,994 |
| Cost of funding earning assets | 0.4830% | 2,230 |
| Net interest margin | 3.5815% | 3,154 |
| Noninterest income to average assets | 0.4137% | 3,825 |
| Noninterest expense to average assets | 2.3507% | 4,411 |
| Loan and lease loss provision to assets | 0.0447% | 3,346 |
| Net operating income to assets | 1.3752% | 1,115 |
| Return on assets (ROA) | 1.3752% | 1,184 |
| Pretax return on assets | 1.3822% | 2,118 |
| Return on Equity (ROE) | 13.1266% | 1,017 |
| Retained earnings to average equity (ytd only) | 6.3726% | 1,975 |
| Net charge-offs to loans | 0.1008% | 1,938 |
| Credit loss provision to net charge-offs | 100.0000% | 2,352 |
| Earnings coverage of net charge-offs (x) | 31.9507% | 1,426 |
| Efficiency ratio | 62.2278% | 4,187 |
| Assets per employee ($millions) | 6.5917% | 1,052 |
| Cash dividends to net income (ytd only)* | 51.4526% | 1,808 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6416% | 5,546 |
| Loan loss allowance to noncurrent loans | 43.7995% | 4,883 |
| Noncurrent assets plus other real estate owned to assets | 0.6389% | 2,985 |
| Noncurrent loans to loans | 1.4649% | 1,475 |
| Net loans and leases to total assets | 43.3308% | 5,235 |
| Net loans and leases to deposits | 48.7669% | 5,356 |
| Net loans and leases to core deposits | 53.3574% | 5,249 |
| Total domestic deposits to total assets | 88.8529% | 987 |
| Equity capital to assets | 10.7088% | 3,346 |
| Core capital (leverage) ratio | 10.0681% | 3,478 |
| Tier 1 risk-based capital ratio | 19.4803% | 1,555 |
| Total risk-based capital ratio | 20.0427% | 1,680 |
| Memoranda: | ||
| Average total assets | $56,719,250 | 5,262 |
| Average earning assets | $53,272,250 | 5,229 |
| Average equity | $5,942,000 | 5,340 |
| Average total loans | $25,134,250 | 5,400 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0922% | 2,895 |
| Cost of funding earning assets | 0.4821% | 2,251 |
| Net interest margin | 3.6101% | 3,062 |
| Noninterest income to average assets | 0.4118% | 3,798 |
| Noninterest expense to average assets | 2.3670% | 4,435 |
| Loan and lease loss provision to assets | 0.0466% | 3,217 |
| Net operating income to assets | 1.3966% | 1,063 |
| Return on assets (ROA) | 1.3966% | 1,123 |
| Pretax return on assets | 1.4037% | 2,010 |
| Return on Equity (ROE) | 13.4367% | 940 |
| Retained earnings to average equity (ytd only) | 6.5116% | 1,869 |
| Net charge-offs to loans | 0.1125% | 1,702 |
| Credit loss provision to net charge-offs | 92.8571% | 2,209 |
| Earnings coverage of net charge-offs (x) | 28.9286% | 1,413 |
| Efficiency ratio | 62.0075% | 4,351 |
| Assets per employee ($millions) | 6.2311% | 1,247 |
| Cash dividends to net income (ytd only)* | 51.5385% | 1,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6532% | 5,605 |
| Loan loss allowance to noncurrent loans | 84.1837% | 4,025 |
| Noncurrent assets plus other real estate owned to assets | 0.4404% | 3,745 |
| Noncurrent loans to loans | 0.7759% | 2,808 |
| Net loans and leases to total assets | 44.7486% | 5,191 |
| Net loans and leases to deposits | 50.4037% | 5,317 |
| Net loans and leases to core deposits | 56.1761% | 5,156 |
| Total domestic deposits to total assets | 88.7803% | 1,024 |
| Equity capital to assets | 10.8006% | 3,281 |
| Core capital (leverage) ratio | 9.6570% | 3,990 |
| Tier 1 risk-based capital ratio | 19.0382% | 1,687 |
| Total risk-based capital ratio | 19.6221% | 1,794 |
| Memoranda: | ||
| Average total assets | $55,850,670 | 5,337 |
| Average earning assets | $52,685,000 | 5,296 |
| Average equity | $5,805,000 | 5,423 |
| Average total loans | $24,888,330 | 5,467 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1201% | 2,774 |
| Cost of funding earning assets | 0.4883% | 2,194 |
| Net interest margin | 3.6318% | 2,959 |
| Noninterest income to average assets | 0.4091% | 3,758 |
| Noninterest expense to average assets | 2.3827% | 4,418 |
| Loan and lease loss provision to assets | 0.0502% | 2,918 |
| Net operating income to assets | 1.3851% | 1,069 |
| Return on assets (ROA) | 1.3851% | 1,125 |
| Pretax return on assets | 1.3923% | 1,930 |
| Return on Equity (ROE) | 13.5939% | 909 |
| Retained earnings to average equity (ytd only) | 6.5504% | 2,109 |
| Net charge-offs to loans | -0.0162% | 4,756 |
| Credit loss provision to net charge-offs | -700.0000% | 4,649 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2889% | 4,407 |
| Assets per employee ($millions) | 6.2006% | 1,272 |
| Cash dividends to net income (ytd only)* | 51.8135% | 1,683 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6934% | 5,605 |
| Loan loss allowance to noncurrent loans | 189.1304% | 2,325 |
| Noncurrent assets plus other real estate owned to assets | 0.1649% | 4,911 |
| Noncurrent loans to loans | 0.3667% | 4,121 |
| Net loans and leases to total assets | 44.6519% | 5,211 |
| Net loans and leases to deposits | 50.1298% | 5,332 |
| Net loans and leases to core deposits | 55.5511% | 5,158 |
| Total domestic deposits to total assets | 89.0727% | 1,064 |
| Equity capital to assets | 10.5331% | 3,449 |
| Core capital (leverage) ratio | 9.5749% | 4,069 |
| Tier 1 risk-based capital ratio | 18.8768% | 1,761 |
| Total risk-based capital ratio | 19.4984% | 1,881 |
| Memoranda: | ||
| Average total assets | $55,736,000 | 5,389 |
| Average earning assets | $52,426,000 | 5,354 |
| Average equity | $5,679,000 | 5,482 |
| Average total loans | $24,702,500 | 5,524 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1636% | 2,696 |
| Cost of funding earning assets | 0.4968% | 2,183 |
| Net interest margin | 3.6668% | 2,875 |
| Noninterest income to average assets | 0.4440% | 3,717 |
| Noninterest expense to average assets | 2.2976% | 4,795 |
| Loan and lease loss provision to assets | 0.0461% | 3,406 |
| Net operating income to assets | 1.4813% | 892 |
| Return on assets (ROA) | 1.4813% | 922 |
| Pretax return on assets | 1.4869% | 1,600 |
| Return on Equity (ROE) | 14.8685% | 707 |
| Retained earnings to average equity (ytd only) | 7.4343% | 1,117 |
| Net charge-offs to loans | 0.0918% | 2,517 |
| Credit loss provision to net charge-offs | 119.0476% | 2,161 |
| Earnings coverage of net charge-offs (x) | 39.6190% | 1,190 |
| Efficiency ratio | 59.9808% | 4,910 |
| Assets per employee ($millions) | 6.1852% | 1,269 |
| Cash dividends to net income (ytd only)* | 50.0000% | 2,300 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6786% | 5,673 |
| Loan loss allowance to noncurrent loans | 235.7143% | 2,016 |
| Noncurrent assets plus other real estate owned to assets | 0.1257% | 5,095 |
| Noncurrent loans to loans | 0.2879% | 4,431 |
| Net loans and leases to total assets | 43.3794% | 5,317 |
| Net loans and leases to deposits | 48.2989% | 5,473 |
| Net loans and leases to core deposits | 53.8669% | 5,325 |
| Total domestic deposits to total assets | 89.8144% | 710 |
| Equity capital to assets | 9.8443% | 4,138 |
| Core capital (leverage) ratio | 9.1715% | 4,658 |
| Tier 1 risk-based capital ratio | 18.9261% | 1,720 |
| Total risk-based capital ratio | 19.5276% | 1,848 |
| Memoranda: | ||
| Average total assets | $54,275,000 | 5,451 |
| Average earning assets | $50,125,200 | 5,434 |
| Average equity | $5,407,400 | 5,559 |
| Average total loans | $22,876,000 | 5,623 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1458% | 2,770 |
| Cost of funding earning assets | 0.4974% | 2,235 |
| Net interest margin | 3.6484% | 2,967 |
| Noninterest income to average assets | 0.4450% | 3,755 |
| Noninterest expense to average assets | 2.2895% | 4,805 |
| Loan and lease loss provision to assets | 0.0495% | 3,224 |
| Net operating income to assets | 1.4538% | 1,003 |
| Return on assets (ROA) | 1.4538% | 1,044 |
| Pretax return on assets | 1.4612% | 1,802 |
| Return on Equity (ROE) | 14.5471% | 800 |
| Retained earnings to average equity (ytd only) | 7.1251% | 1,630 |
| Net charge-offs to loans | 0.0355% | 3,202 |
| Credit loss provision to net charge-offs | 333.3333% | 877 |
| Earnings coverage of net charge-offs (x) | 101.8313% | 615 |
| Efficiency ratio | 60.2472% | 4,858 |
| Assets per employee ($millions) | 6.2481% | 1,202 |
| Cash dividends to net income (ytd only)* | 51.0204% | 1,827 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7586% | 5,611 |
| Loan loss allowance to noncurrent loans | 5,866.6667% | 135 |
| Noncurrent assets plus other real estate owned to assets | 0.0053% | 5,791 |
| Noncurrent loans to loans | 0.0129% | 5,589 |
| Net loans and leases to total assets | 40.9439% | 5,545 |
| Net loans and leases to deposits | 45.7379% | 5,660 |
| Net loans and leases to core deposits | 50.5223% | 5,561 |
| Total domestic deposits to total assets | 89.5186% | 765 |
| Equity capital to assets | 10.0315% | 4,118 |
| Core capital (leverage) ratio | 9.3419% | 4,522 |
| Tier 1 risk-based capital ratio | 18.7348% | 1,840 |
| Total risk-based capital ratio | 19.3844% | 1,959 |
| Memoranda: | ||
| Average total assets | $53,927,000 | 5,530 |
| Average earning assets | $49,591,750 | 5,514 |
| Average equity | $5,389,250 | 5,632 |
| Average total loans | $22,516,750 | 5,705 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1244% | 2,809 |
| Cost of funding earning assets | 0.5013% | 2,242 |
| Net interest margin | 3.6231% | 3,002 |
| Noninterest income to average assets | 0.4364% | 3,805 |
| Noninterest expense to average assets | 2.2649% | 4,939 |
| Loan and lease loss provision to assets | 0.0602% | 2,899 |
| Net operating income to assets | 1.4485% | 993 |
| Return on assets (ROA) | 1.4485% | 1,033 |
| Pretax return on assets | 1.4560% | 1,782 |
| Return on Equity (ROE) | 14.5137% | 819 |
| Retained earnings to average equity (ytd only) | 6.9364% | 1,726 |
| Net charge-offs to loans | 0.1525% | 1,571 |
| Credit loss provision to net charge-offs | 94.1176% | 2,154 |
| Earnings coverage of net charge-offs (x) | 23.7059% | 1,600 |
| Efficiency ratio | 59.9005% | 4,996 |
| Assets per employee ($millions) | 5.9534% | 1,395 |
| Cash dividends to net income (ytd only)* | 52.2078% | 1,845 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7083% | 5,800 |
| Loan loss allowance to noncurrent loans | 211.8421% | 2,148 |
| Noncurrent assets plus other real estate owned to assets | 0.1418% | 5,294 |
| Noncurrent loans to loans | 0.3343% | 4,487 |
| Net loans and leases to total assets | 42.1250% | 5,496 |
| Net loans and leases to deposits | 46.9027% | 5,634 |
| Net loans and leases to core deposits | 52.0549% | 5,533 |
| Total domestic deposits to total assets | 89.8136% | 745 |
| Equity capital to assets | 9.7535% | 4,343 |
| Core capital (leverage) ratio | 9.1979% | 4,695 |
| Tier 1 risk-based capital ratio | 18.9143% | 1,807 |
| Total risk-based capital ratio | 19.5268% | 1,953 |
| Memoranda: | ||
| Average total assets | $53,158,330 | 5,610 |
| Average earning assets | $49,073,330 | 5,583 |
| Average equity | $5,305,330 | 5,703 |
| Average total loans | $22,289,000 | 5,766 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1335% | 2,697 |
| Cost of funding earning assets | 0.5043% | 2,246 |
| Net interest margin | 3.6292% | 2,896 |
| Noninterest income to average assets | 0.4231% | 3,825 |
| Noninterest expense to average assets | 2.2966% | 4,893 |
| Loan and lease loss provision to assets | 0.0680% | 2,583 |
| Net operating income to assets | 1.3674% | 1,098 |
| Return on assets (ROA) | 1.3674% | 1,160 |
| Pretax return on assets | 1.3750% | 1,981 |
| Return on Equity (ROE) | 13.5454% | 965 |
| Retained earnings to average equity (ytd only) | 6.0617% | 2,462 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4141% | 4,896 |
| Assets per employee ($millions) | 6.0223% | 1,389 |
| Cash dividends to net income (ytd only)* | 55.2486% | 1,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7665% | 5,768 |
| Loan loss allowance to noncurrent loans | 950.0000% | 561 |
| Noncurrent assets plus other real estate owned to assets | 0.0332% | 5,807 |
| Noncurrent loans to loans | 0.0807% | 5,456 |
| Net loans and leases to total assets | 40.8424% | 5,558 |
| Net loans and leases to deposits | 45.6621% | 5,665 |
| Net loans and leases to core deposits | 50.6278% | 5,558 |
| Total domestic deposits to total assets | 89.4448% | 1,023 |
| Equity capital to assets | 10.1769% | 3,911 |
| Core capital (leverage) ratio | 9.3009% | 4,569 |
| Tier 1 risk-based capital ratio | 21.9384% | 1,255 |
| Total risk-based capital ratio | 22.7088% | 1,308 |
| Memoranda: | ||
| Average total assets | $52,947,000 | 5,664 |
| Average earning assets | $48,385,500 | 5,648 |
| Average equity | $5,345,000 | 5,746 |
| Average total loans | $22,067,500 | 5,822 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2598% | 2,742 |
| Cost of funding earning assets | 0.5193% | 2,495 |
| Net interest margin | 3.7404% | 2,846 |
| Noninterest income to average assets | 0.4681% | 3,725 |
| Noninterest expense to average assets | 2.3525% | 4,968 |
| Loan and lease loss provision to assets | 0.0820% | 2,839 |
| Net operating income to assets | 1.5243% | 835 |
| Return on assets (ROA) | 1.5263% | 864 |
| Pretax return on assets | 1.5223% | 1,465 |
| Return on Equity (ROE) | 16.6988% | 525 |
| Retained earnings to average equity (ytd only) | 7.5724% | 1,171 |
| Net charge-offs to loans | 0.2499% | 1,714 |
| Credit loss provision to net charge-offs | 78.8462% | 2,890 |
| Earnings coverage of net charge-offs (x) | 15.4038% | 2,083 |
| Efficiency ratio | 59.4841% | 5,289 |
| Assets per employee ($millions) | 5.7437% | 1,564 |
| Cash dividends to net income (ytd only)* | 54.6527% | 2,029 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7422% | 5,902 |
| Loan loss allowance to noncurrent loans | 132.7869% | 3,078 |
| Noncurrent assets plus other real estate owned to assets | 0.2360% | 5,080 |
| Noncurrent loans to loans | 0.5589% | 3,993 |
| Net loans and leases to total assets | 41.9109% | 5,624 |
| Net loans and leases to deposits | 46.7613% | 5,762 |
| Net loans and leases to core deposits | 51.5526% | 5,638 |
| Total domestic deposits to total assets | 89.6272% | 912 |
| Equity capital to assets | 10.0091% | 4,105 |
| Core capital (leverage) ratio | 9.2574% | 4,592 |
| Tier 1 risk-based capital ratio | 22.5711% | 1,138 |
| Total risk-based capital ratio | 23.3347% | 1,187 |
| Memoranda: | ||
| Average total assets | $49,989,200 | 5,784 |
| Average earning assets | $46,598,800 | 5,763 |
| Average equity | $4,569,200 | 5,971 |
| Average total loans | $20,809,000 | 5,931 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2658% | 2,759 |
| Cost of funding earning assets | 0.5210% | 2,560 |
| Net interest margin | 3.7448% | 2,840 |
| Noninterest income to average assets | 0.4573% | 3,843 |
| Noninterest expense to average assets | 2.3888% | 4,868 |
| Loan and lease loss provision to assets | 0.0861% | 2,633 |
| Net operating income to assets | 1.4876% | 966 |
| Return on assets (ROA) | 1.4876% | 992 |
| Pretax return on assets | 1.4822% | 1,703 |
| Return on Equity (ROE) | 16.6888% | 593 |
| Retained earnings to average equity (ytd only) | 4.1043% | 3,731 |
| Net charge-offs to loans | 0.2919% | 1,346 |
| Credit loss provision to net charge-offs | 71.1111% | 2,754 |
| Earnings coverage of net charge-offs (x) | 12.9552% | 2,269 |
| Efficiency ratio | 60.3671% | 5,129 |
| Assets per employee ($millions) | 5.8202% | 1,472 |
| Cash dividends to net income (ytd only)* | 75.4079% | 863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7574% | 5,971 |
| Loan loss allowance to noncurrent loans | 200.0000% | 2,160 |
| Noncurrent assets plus other real estate owned to assets | 0.1527% | 5,571 |
| Noncurrent loans to loans | 0.3787% | 4,776 |
| Net loans and leases to total assets | 40.0214% | 5,812 |
| Net loans and leases to deposits | 44.3204% | 5,954 |
| Net loans and leases to core deposits | 48.4818% | 5,858 |
| Total domestic deposits to total assets | 90.3001% | 613 |
| Equity capital to assets | 9.2417% | 5,094 |
| Core capital (leverage) ratio | 9.1630% | 4,830 |
| Tier 1 risk-based capital ratio | 21.7008% | 1,307 |
| Total risk-based capital ratio | 22.4592% | 1,385 |
| Memoranda: | ||
| Average total assets | $49,563,250 | 5,863 |
| Average earning assets | $46,320,250 | 5,832 |
| Average equity | $4,418,000 | 6,067 |
| Average total loans | $20,554,500 | 6,002 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2730% | 2,692 |
| Cost of funding earning assets | 0.5211% | 2,630 |
| Net interest margin | 3.7519% | 2,751 |
| Noninterest income to average assets | 0.4607% | 3,784 |
| Noninterest expense to average assets | 2.4103% | 4,850 |
| Loan and lease loss provision to assets | 0.0946% | 2,447 |
| Net operating income to assets | 1.5178% | 841 |
| Return on assets (ROA) | 1.5178% | 876 |
| Pretax return on assets | 1.5096% | 1,508 |
| Return on Equity (ROE) | 17.2551% | 527 |
| Retained earnings to average equity (ytd only) | 2.4784% | 4,629 |
| Net charge-offs to loans | 0.3143% | 1,284 |
| Credit loss provision to net charge-offs | 71.8750% | 2,435 |
| Earnings coverage of net charge-offs (x) | 12.1875% | 2,084 |
| Efficiency ratio | 60.0410% | 5,292 |
| Assets per employee ($millions) | 5.5423% | 1,662 |
| Cash dividends to net income (ytd only)* | 85.6369% | 780 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8063% | 5,960 |
| Loan loss allowance to noncurrent loans | 198.7952% | 2,151 |
| Noncurrent assets plus other real estate owned to assets | 0.1664% | 5,647 |
| Noncurrent loans to loans | 0.4056% | 4,772 |
| Net loans and leases to total assets | 40.6969% | 5,767 |
| Net loans and leases to deposits | 45.1372% | 5,929 |
| Net loans and leases to core deposits | 49.6187% | 5,816 |
| Total domestic deposits to total assets | 90.1626% | 732 |
| Equity capital to assets | 9.3924% | 4,850 |
| Core capital (leverage) ratio | 9.1688% | 4,790 |
| Tier 1 risk-based capital ratio | 22.2019% | 1,230 |
| Total risk-based capital ratio | 23.0169% | 1,271 |
| Memoranda: | ||
| Average total assets | $48,623,670 | 5,937 |
| Average earning assets | $46,056,670 | 5,887 |
| Average equity | $4,277,000 | 6,144 |
| Average total loans | $20,364,670 | 6,063 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2909% | 2,561 |
| Cost of funding earning assets | 0.5243% | 2,667 |
| Net interest margin | 3.7666% | 2,611 |
| Noninterest income to average assets | 0.4417% | 3,851 |
| Noninterest expense to average assets | 2.4919% | 4,651 |
| Loan and lease loss provision to assets | 0.1000% | 2,255 |
| Net operating income to assets | 1.4585% | 883 |
| Return on assets (ROA) | 1.4585% | 914 |
| Pretax return on assets | 1.4418% | 1,601 |
| Return on Equity (ROE) | 17.1863% | 516 |
| Retained earnings to average equity (ytd only) | 5.8925% | 2,594 |
| Net charge-offs to loans | 0.2363% | 1,373 |
| Credit loss provision to net charge-offs | 100.0000% | 1,649 |
| Earnings coverage of net charge-offs (x) | 15.4167% | 1,549 |
| Efficiency ratio | 61.7769% | 5,155 |
| Assets per employee ($millions) | 5.3750% | 1,830 |
| Cash dividends to net income (ytd only)* | 65.7143% | 1,252 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8524% | 5,996 |
| Loan loss allowance to noncurrent loans | 208.4337% | 2,017 |
| Noncurrent assets plus other real estate owned to assets | 0.3266% | 5,168 |
| Noncurrent loans to loans | 0.4089% | 4,909 |
| Net loans and leases to total assets | 41.5979% | 5,701 |
| Net loans and leases to deposits | 45.9482% | 5,857 |
| Net loans and leases to core deposits | 50.6392% | 5,717 |
| Total domestic deposits to total assets | 90.5323% | 779 |
| Equity capital to assets | 9.0605% | 5,042 |
| Core capital (leverage) ratio | 9.2529% | 4,642 |
| Tier 1 risk-based capital ratio | 22.4763% | 1,218 |
| Total risk-based capital ratio | 23.3400% | 1,258 |
| Memoranda: | ||
| Average total assets | $47,995,000 | 6,006 |
| Average earning assets | $45,771,000 | 5,948 |
| Average equity | $4,073,000 | 6,231 |
| Average total loans | $20,314,500 | 6,126 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4423% | 2,425 |
| Cost of funding earning assets | 0.5525% | 3,089 |
| Net interest margin | 3.8898% | 2,327 |
| Noninterest income to average assets | 0.5670% | 3,288 |
| Noninterest expense to average assets | 2.3574% | 5,209 |
| Loan and lease loss provision to assets | 0.1101% | 2,967 |
| Net operating income to assets | 1.7363% | 545 |
| Return on assets (ROA) | 1.7363% | 560 |
| Pretax return on assets | 1.7550% | 844 |
| Return on Equity (ROE) | 18.4173% | 379 |
| Retained earnings to average equity (ytd only) | 10.6847% | 469 |
| Net charge-offs to loans | 0.3184% | 2,092 |
| Credit loss provision to net charge-offs | 84.1270% | 2,925 |
| Earnings coverage of net charge-offs (x) | 14.2540% | 1,959 |
| Efficiency ratio | 55.8288% | 5,970 |
| Assets per employee ($millions) | 5.2906% | 1,859 |
| Cash dividends to net income (ytd only)* | 41.9856% | 2,709 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8459% | 6,068 |
| Loan loss allowance to noncurrent loans | 75.7709% | 4,311 |
| Noncurrent assets plus other real estate owned to assets | 0.6343% | 4,332 |
| Noncurrent loans to loans | 1.1164% | 3,305 |
| Net loans and leases to total assets | 42.3417% | 5,804 |
| Net loans and leases to deposits | 46.1720% | 5,996 |
| Net loans and leases to core deposits | 51.0884% | 5,870 |
| Total domestic deposits to total assets | 91.7043% | 352 |
| Equity capital to assets | 7.9030% | 6,084 |
| Core capital (leverage) ratio | 9.1068% | 4,847 |
| Tier 1 risk-based capital ratio | 22.3987% | 1,190 |
| Total risk-based capital ratio | 23.2663% | 1,232 |
| Memoranda: | ||
| Average total assets | $48,147,200 | 6,065 |
| Average earning assets | $45,246,600 | 6,013 |
| Average equity | $4,539,200 | 6,192 |
| Average total loans | $19,784,000 | 6,211 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4474% | 2,436 |
| Cost of funding earning assets | 0.5544% | 3,220 |
| Net interest margin | 3.8929% | 2,303 |
| Noninterest income to average assets | 0.5965% | 3,166 |
| Noninterest expense to average assets | 2.3694% | 5,121 |
| Loan and lease loss provision to assets | 0.1105% | 2,925 |
| Net operating income to assets | 1.7426% | 590 |
| Return on assets (ROA) | 1.7426% | 611 |
| Pretax return on assets | 1.7619% | 976 |
| Return on Equity (ROE) | 17.7745% | 459 |
| Retained earnings to average equity (ytd only) | 7.8872% | 1,459 |
| Net charge-offs to loans | 0.1357% | 3,181 |
| Credit loss provision to net charge-offs | 200.0000% | 1,204 |
| Earnings coverage of net charge-offs (x) | 33.8950% | 1,131 |
| Efficiency ratio | 55.8594% | 5,917 |
| Assets per employee ($millions) | 5.3790% | 1,758 |
| Cash dividends to net income (ytd only)* | 55.6263% | 1,633 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0177% | 5,642 |
| Loan loss allowance to noncurrent loans | 60.0592% | 4,815 |
| Noncurrent assets plus other real estate owned to assets | 0.6982% | 4,369 |
| Noncurrent loans to loans | 1.6945% | 2,651 |
| Net loans and leases to total assets | 40.7841% | 5,978 |
| Net loans and leases to deposits | 44.6434% | 6,178 |
| Net loans and leases to core deposits | 47.2616% | 6,155 |
| Total domestic deposits to total assets | 91.3553% | 402 |
| Equity capital to assets | 8.1469% | 6,050 |
| Core capital (leverage) ratio | 8.6991% | 5,538 |
| Tier 1 risk-based capital ratio | 21.4141% | 1,413 |
| Total risk-based capital ratio | 22.4351% | 1,428 |
| Memoranda: | ||
| Average total assets | $48,280,250 | 6,130 |
| Average earning assets | $45,209,250 | 6,083 |
| Average equity | $4,733,250 | 6,215 |
| Average total loans | $19,646,750 | 6,290 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4453% | 2,400 |
| Cost of funding earning assets | 0.5562% | 3,351 |
| Net interest margin | 3.8891% | 2,245 |
| Noninterest income to average assets | 0.6592% | 2,859 |
| Noninterest expense to average assets | 2.3426% | 5,231 |
| Loan and lease loss provision to assets | 0.1285% | 2,712 |
| Net operating income to assets | 1.7953% | 528 |
| Return on assets (ROA) | 1.7953% | 566 |
| Pretax return on assets | 1.8119% | 904 |
| Return on Equity (ROE) | 17.3327% | 523 |
| Retained earnings to average equity (ytd only) | 9.2868% | 1,030 |
| Net charge-offs to loans | 0.1330% | 3,048 |
| Credit loss provision to net charge-offs | 238.4615% | 1,050 |
| Earnings coverage of net charge-offs (x) | 36.0000% | 1,000 |
| Efficiency ratio | 54.6951% | 6,083 |
| Assets per employee ($millions) | 5.4109% | 1,683 |
| Cash dividends to net income (ytd only)* | 46.4203% | 2,017 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0332% | 5,697 |
| Loan loss allowance to noncurrent loans | 72.0430% | 4,324 |
| Noncurrent assets plus other real estate owned to assets | 0.5729% | 4,814 |
| Noncurrent loans to loans | 1.4342% | 3,148 |
| Net loans and leases to total assets | 39.5355% | 6,073 |
| Net loans and leases to deposits | 44.0159% | 6,225 |
| Net loans and leases to core deposits | 46.9265% | 6,187 |
| Total domestic deposits to total assets | 89.8209% | 1,142 |
| Equity capital to assets | 9.7211% | 4,271 |
| Core capital (leverage) ratio | 8.5194% | 5,649 |
| Tier 1 risk-based capital ratio | 21.9717% | 1,288 |
| Total risk-based capital ratio | 23.0257% | 1,308 |
| Memoranda: | ||
| Average total assets | $48,236,670 | 6,174 |
| Average earning assets | $44,946,000 | 6,139 |
| Average equity | $4,996,330 | 6,184 |
| Average total loans | $19,546,670 | 6,328 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4863% | 2,216 |
| Cost of funding earning assets | 0.5766% | 3,320 |
| Net interest margin | 3.9098% | 2,087 |
| Noninterest income to average assets | 0.4416% | 4,166 |
| Noninterest expense to average assets | 2.4080% | 5,096 |
| Loan and lease loss provision to assets | 0.1083% | 2,888 |
| Net operating income to assets | 1.5248% | 814 |
| Return on assets (ROA) | 1.5248% | 889 |
| Pretax return on assets | 1.5415% | 1,449 |
| Return on Equity (ROE) | 14.2760% | 906 |
| Retained earnings to average equity (ytd only) | 14.2760% | 420 |
| Net charge-offs to loans | 0.2654% | 1,895 |
| Credit loss provision to net charge-offs | 100.0000% | 1,815 |
| Earnings coverage of net charge-offs (x) | 15.2308% | 1,411 |
| Efficiency ratio | 59.3429% | 5,677 |
| Assets per employee ($millions) | 5.4429% | 1,718 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9342% | 6,175 |
| Loan loss allowance to noncurrent loans | 74.0891% | 4,170 |
| Noncurrent assets plus other real estate owned to assets | 0.5042% | 5,123 |
| Noncurrent loans to loans | 1.2610% | 3,672 |
| Net loans and leases to total assets | 39.6134% | 6,025 |
| Net loans and leases to deposits | 44.4906% | 6,161 |
| Net loans and leases to core deposits | 46.9775% | 6,154 |
| Total domestic deposits to total assets | 89.0377% | 1,661 |
| Equity capital to assets | 10.5500% | 3,491 |
| Core capital (leverage) ratio | 8.5299% | 5,547 |
| Tier 1 risk-based capital ratio | 21.6788% | 1,386 |
| Total risk-based capital ratio | 22.6371% | 1,424 |
| Memoranda: | ||
| Average total assets | $48,006,000 | 6,245 |
| Average earning assets | $44,401,500 | 6,204 |
| Average equity | $5,127,500 | 6,206 |
| Average total loans | $19,593,000 | 6,381 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8701% | 1,947 |
| Cost of funding earning assets | 0.6921% | 3,561 |
| Net interest margin | 4.1781% | 1,717 |
| Noninterest income to average assets | 0.4588% | 4,182 |
| Noninterest expense to average assets | 2.4605% | 5,222 |
| Loan and lease loss provision to assets | 0.1024% | 4,361 |
| Net operating income to assets | 1.6880% | 635 |
| Return on assets (ROA) | 1.6880% | 711 |
| Pretax return on assets | 1.7093% | 1,114 |
| Return on Equity (ROE) | 16.2356% | 627 |
| Retained earnings to average equity (ytd only) | 5.9319% | 2,119 |
| Net charge-offs to loans | 0.1123% | 4,549 |
| Credit loss provision to net charge-offs | 218.1818% | 1,157 |
| Earnings coverage of net charge-offs (x) | 38.5909% | 831 |
| Efficiency ratio | 57.5924% | 5,884 |
| Assets per employee ($millions) | 5.2251% | 1,966 |
| Cash dividends to net income (ytd only)* | 63.4640% | 1,628 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9287% | 6,198 |
| Loan loss allowance to noncurrent loans | 154.2373% | 2,316 |
| Noncurrent assets plus other real estate owned to assets | 0.2509% | 5,918 |
| Noncurrent loans to loans | 0.6021% | 5,013 |
| Net loans and leases to total assets | 41.2878% | 6,070 |
| Net loans and leases to deposits | 46.5009% | 6,218 |
| Net loans and leases to core deposits | 49.7234% | 6,164 |
| Total domestic deposits to total assets | 88.7892% | 1,707 |
| Equity capital to assets | 10.8174% | 3,156 |
| Core capital (leverage) ratio | 8.3353% | 5,846 |
| Tier 1 risk-based capital ratio | 20.8329% | 1,494 |
| Total risk-based capital ratio | 21.7911% | 1,526 |
| Memoranda: | ||
| Average total assets | $46,861,000 | 6,297 |
| Average earning assets | $42,771,000 | 6,281 |
| Average equity | $4,872,000 | 6,331 |
| Average total loans | $19,598,600 | 6,445 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9301% | 1,900 |
| Cost of funding earning assets | 0.7177% | 3,615 |
| Net interest margin | 4.2124% | 1,698 |
| Noninterest income to average assets | 0.4357% | 4,387 |
| Noninterest expense to average assets | 2.4718% | 5,176 |
| Loan and lease loss provision to assets | 0.1025% | 4,296 |
| Net operating income to assets | 1.6716% | 734 |
| Return on assets (ROA) | 1.6716% | 814 |
| Pretax return on assets | 1.6887% | 1,297 |
| Return on Equity (ROE) | 16.2434% | 711 |
| Retained earnings to average equity (ytd only) | 5.1193% | 3,281 |
| Net charge-offs to loans | 0.1497% | 3,911 |
| Credit loss provision to net charge-offs | 163.6364% | 1,700 |
| Earnings coverage of net charge-offs (x) | 28.5936% | 1,138 |
| Efficiency ratio | 57.9826% | 5,793 |
| Assets per employee ($millions) | 5.4044% | 1,727 |
| Cash dividends to net income (ytd only)* | 68.4840% | 971 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8624% | 6,478 |
| Loan loss allowance to noncurrent loans | 50.8929% | 5,080 |
| Noncurrent assets plus other real estate owned to assets | 0.6908% | 4,961 |
| Noncurrent loans to loans | 1.6945% | 3,249 |
| Net loans and leases to total assets | 40.4153% | 6,247 |
| Net loans and leases to deposits | 45.3702% | 6,430 |
| Net loans and leases to core deposits | 48.5647% | 6,379 |
| Total domestic deposits to total assets | 89.0789% | 1,383 |
| Equity capital to assets | 10.4174% | 3,937 |
| Core capital (leverage) ratio | 8.0998% | 6,228 |
| Tier 1 risk-based capital ratio | 19.6762% | 1,834 |
| Total risk-based capital ratio | 20.5495% | 1,893 |
| Memoranda: | ||
| Average total assets | $46,819,750 | 6,371 |
| Average earning assets | $42,540,500 | 6,362 |
| Average equity | $4,818,250 | 6,420 |
| Average total loans | $19,598,750 | 6,532 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9917% | 1,808 |
| Cost of funding earning assets | 0.7483% | 3,615 |
| Net interest margin | 4.2434% | 1,627 |
| Noninterest income to average assets | 0.3938% | 4,696 |
| Noninterest expense to average assets | 2.4798% | 5,213 |
| Loan and lease loss provision to assets | 0.0909% | 4,429 |
| Net operating income to assets | 1.6792% | 702 |
| Return on assets (ROA) | 1.6792% | 788 |
| Pretax return on assets | 1.7008% | 1,254 |
| Return on Equity (ROE) | 16.3875% | 713 |
| Retained earnings to average equity (ytd only) | 3.6745% | 4,150 |
| Net charge-offs to loans | 0.1844% | 3,482 |
| Credit loss provision to net charge-offs | 116.6667% | 2,361 |
| Earnings coverage of net charge-offs (x) | 23.0000% | 1,263 |
| Efficiency ratio | 58.0547% | 5,865 |
| Assets per employee ($millions) | 5.2954% | 1,821 |
| Cash dividends to net income (ytd only)* | 77.5773% | 848 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8226% | 6,631 |
| Loan loss allowance to noncurrent loans | 128.0000% | 2,561 |
| Noncurrent assets plus other real estate owned to assets | 0.2623% | 6,117 |
| Noncurrent loans to loans | 0.6426% | 5,226 |
| Net loans and leases to total assets | 40.4771% | 6,311 |
| Net loans and leases to deposits | 45.3064% | 6,490 |
| Net loans and leases to core deposits | 48.5504% | 6,426 |
| Total domestic deposits to total assets | 89.3409% | 1,306 |
| Equity capital to assets | 10.1932% | 4,057 |
| Core capital (leverage) ratio | 8.1313% | 6,121 |
| Tier 1 risk-based capital ratio | 19.5747% | 1,824 |
| Total risk-based capital ratio | 20.4086% | 1,903 |
| Memoranda: | ||
| Average total assets | $46,213,000 | 6,434 |
| Average earning assets | $42,230,330 | 6,407 |
| Average equity | $4,735,330 | 6,473 |
| Average total loans | $19,522,000 | 6,583 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0326% | 1,781 |
| Cost of funding earning assets | 0.7956% | 3,508 |
| Net interest margin | 4.2370% | 1,649 |
| Noninterest income to average assets | 0.3781% | 4,838 |
| Noninterest expense to average assets | 2.5852% | 4,873 |
| Loan and lease loss provision to assets | 0.1055% | 4,025 |
| Net operating income to assets | 1.5564% | 930 |
| Return on assets (ROA) | 1.5564% | 1,039 |
| Pretax return on assets | 1.5740% | 1,658 |
| Return on Equity (ROE) | 15.1476% | 946 |
| Retained earnings to average equity (ytd only) | 6.5041% | 2,686 |
| Net charge-offs to loans | 0.1227% | 3,373 |
| Credit loss provision to net charge-offs | 200.0000% | 1,332 |
| Earnings coverage of net charge-offs (x) | 31.8333% | 880 |
| Efficiency ratio | 60.6186% | 5,526 |
| Assets per employee ($millions) | 5.1589% | 2,048 |
| Cash dividends to net income (ytd only)* | 57.0621% | 1,264 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8376% | 6,673 |
| Loan loss allowance to noncurrent loans | 63.9216% | 4,318 |
| Noncurrent assets plus other real estate owned to assets | 0.5664% | 5,469 |
| Noncurrent loans to loans | 1.3104% | 4,150 |
| Net loans and leases to total assets | 41.5615% | 6,232 |
| Net loans and leases to deposits | 46.4764% | 6,390 |
| Net loans and leases to core deposits | 49.8992% | 6,351 |
| Total domestic deposits to total assets | 89.4249% | 1,410 |
| Equity capital to assets | 10.1249% | 3,952 |
| Core capital (leverage) ratio | 8.1967% | 6,029 |
| Tier 1 risk-based capital ratio | 19.6939% | 1,783 |
| Total risk-based capital ratio | 20.5513% | 1,862 |
| Memoranda: | ||
| Average total assets | $45,490,000 | 6,496 |
| Average earning assets | $41,728,000 | 6,463 |
| Average equity | $4,674,000 | 6,523 |
| Average total loans | $19,557,500 | 6,634 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4729% | 1,232 |
| Cost of funding earning assets | 0.9589% | 3,656 |
| Net interest margin | 4.5139% | 1,103 |
| Noninterest income to average assets | 0.3926% | 4,677 |
| Noninterest expense to average assets | 2.5871% | 5,145 |
| Loan and lease loss provision to assets | 0.1589% | 4,638 |
| Net operating income to assets | 1.6874% | 566 |
| Return on assets (ROA) | 1.6874% | 598 |
| Pretax return on assets | 1.7061% | 978 |
| Return on Equity (ROE) | 18.3987% | 355 |
| Retained earnings to average equity (ytd only) | 10.7028% | 445 |
| Net charge-offs to loans | 0.3177% | 3,802 |
| Credit loss provision to net charge-offs | 107.9365% | 3,129 |
| Earnings coverage of net charge-offs (x) | 12.6667% | 1,603 |
| Efficiency ratio | 58.1102% | 6,040 |
| Assets per employee ($millions) | 4.9500% | 2,269 |
| Cash dividends to net income (ytd only)* | 41.8283% | 2,476 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7988% | 6,741 |
| Loan loss allowance to noncurrent loans | 71.6895% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.6128% | 5,427 |
| Noncurrent loans to loans | 1.1142% | 4,490 |
| Net loans and leases to total assets | 43.7666% | 6,229 |
| Net loans and leases to deposits | 49.0874% | 6,426 |
| Net loans and leases to core deposits | 53.2325% | 6,356 |
| Total domestic deposits to total assets | 89.1605% | 1,443 |
| Equity capital to assets | 10.4310% | 3,609 |
| Core capital (leverage) ratio | 8.4976% | 5,565 |
| Tier 1 risk-based capital ratio | 19.4972% | 1,761 |
| Total risk-based capital ratio | 20.3317% | 1,833 |
| Memoranda: | ||
| Average total assets | $42,788,800 | 6,574 |
| Average earning assets | $38,480,800 | 6,582 |
| Average equity | $3,924,200 | 6,776 |
| Average total loans | $19,831,800 | 6,664 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5340% | 1,174 |
| Cost of funding earning assets | 0.9963% | 3,701 |
| Net interest margin | 4.5377% | 1,071 |
| Noninterest income to average assets | 0.3967% | 4,691 |
| Noninterest expense to average assets | 2.5754% | 5,167 |
| Loan and lease loss provision to assets | 0.1700% | 4,346 |
| Net operating income to assets | 1.6907% | 647 |
| Return on assets (ROA) | 1.6907% | 710 |
| Pretax return on assets | 1.7096% | 1,126 |
| Return on Equity (ROE) | 19.1260% | 375 |
| Retained earnings to average equity (ytd only) | 8.4055% | 1,351 |
| Net charge-offs to loans | 0.3622% | 3,278 |
| Credit loss provision to net charge-offs | 100.0000% | 3,366 |
| Earnings coverage of net charge-offs (x) | 11.0553% | 1,848 |
| Efficiency ratio | 57.8092% | 6,044 |
| Assets per employee ($millions) | 5.0171% | 2,171 |
| Cash dividends to net income (ytd only)* | 56.0518% | 1,358 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7683% | 6,866 |
| Loan loss allowance to noncurrent loans | 67.2566% | 4,088 |
| Noncurrent assets plus other real estate owned to assets | 0.5005% | 5,834 |
| Noncurrent loans to loans | 1.1423% | 4,632 |
| Net loans and leases to total assets | 43.4779% | 6,385 |
| Net loans and leases to deposits | 48.4418% | 6,602 |
| Net loans and leases to core deposits | 52.0715% | 6,561 |
| Total domestic deposits to total assets | 89.7528% | 1,010 |
| Equity capital to assets | 9.7179% | 4,753 |
| Core capital (leverage) ratio | 8.1602% | 6,179 |
| Tier 1 risk-based capital ratio | 18.2122% | 2,183 |
| Total risk-based capital ratio | 19.0068% | 2,317 |
| Memoranda: | ||
| Average total assets | $42,348,500 | 6,650 |
| Average earning assets | $37,874,000 | 6,665 |
| Average equity | $3,743,500 | 6,872 |
| Average total loans | $19,876,000 | 6,728 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5688% | 1,129 |
| Cost of funding earning assets | 1.0408% | 3,665 |
| Net interest margin | 4.5280% | 1,063 |
| Noninterest income to average assets | 0.4684% | 4,126 |
| Noninterest expense to average assets | 2.5837% | 5,245 |
| Loan and lease loss provision to assets | 0.1159% | 4,827 |
| Net operating income to assets | 1.8255% | 475 |
| Return on assets (ROA) | 1.8255% | 506 |
| Pretax return on assets | 1.8448% | 804 |
| Return on Equity (ROE) | 21.4245% | 255 |
| Retained earnings to average equity (ytd only) | 10.0321% | 832 |
| Net charge-offs to loans | 0.2210% | 3,802 |
| Credit loss provision to net charge-offs | 109.0909% | 2,812 |
| Earnings coverage of net charge-offs (x) | 18.4545% | 1,258 |
| Efficiency ratio | 56.8544% | 6,313 |
| Assets per employee ($millions) | 4.7127% | 2,523 |
| Cash dividends to net income (ytd only)* | 53.1746% | 1,593 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7815% | 6,905 |
| Loan loss allowance to noncurrent loans | 72.3005% | 3,845 |
| Noncurrent assets plus other real estate owned to assets | 0.7639% | 5,374 |
| Noncurrent loans to loans | 1.0809% | 4,860 |
| Net loans and leases to total assets | 46.0956% | 6,261 |
| Net loans and leases to deposits | 50.8756% | 6,544 |
| Net loans and leases to core deposits | 54.9201% | 6,500 |
| Total domestic deposits to total assets | 90.6045% | 677 |
| Equity capital to assets | 8.8956% | 5,710 |
| Core capital (leverage) ratio | 8.1306% | 6,119 |
| Tier 1 risk-based capital ratio | 18.3292% | 2,065 |
| Total risk-based capital ratio | 19.1534% | 2,160 |
| Memoranda: | ||
| Average total assets | $41,413,330 | 6,732 |
| Average earning assets | $37,279,330 | 6,751 |
| Average equity | $3,528,670 | 6,973 |
| Average total loans | $19,906,670 | 6,796 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6000% | 1,055 |
| Cost of funding earning assets | 1.0980% | 3,538 |
| Net interest margin | 4.5020% | 1,068 |
| Noninterest income to average assets | 0.6062% | 3,122 |
| Noninterest expense to average assets | 2.5420% | 5,416 |
| Loan and lease loss provision to assets | 0.2346% | 3,308 |
| Net operating income to assets | 1.8380% | 458 |
| Return on assets (ROA) | 1.8380% | 483 |
| Pretax return on assets | 1.8380% | 759 |
| Return on Equity (ROE) | 22.0754% | 242 |
| Retained earnings to average equity (ytd only) | 22.0754% | 133 |
| Net charge-offs to loans | 0.0200% | 4,795 |
| Credit loss provision to net charge-offs | 2,400.0000% | 165 |
| Earnings coverage of net charge-offs (x) | 212.0000% | 146 |
| Efficiency ratio | 55.0847% | 6,597 |
| Assets per employee ($millions) | 4.6951% | 2,587 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8803% | 6,745 |
| Loan loss allowance to noncurrent loans | 70.0000% | 3,926 |
| Noncurrent assets plus other real estate owned to assets | 0.8330% | 5,242 |
| Noncurrent loans to loans | 1.2575% | 4,585 |
| Net loans and leases to total assets | 46.6324% | 6,224 |
| Net loans and leases to deposits | 51.1274% | 6,539 |
| Net loans and leases to core deposits | 54.0307% | 6,556 |
| Total domestic deposits to total assets | 91.2083% | 527 |
| Equity capital to assets | 8.3136% | 6,147 |
| Core capital (leverage) ratio | 8.3827% | 5,660 |
| Tier 1 risk-based capital ratio | 18.2436% | 2,039 |
| Total risk-based capital ratio | 19.1728% | 2,108 |
| Memoranda: | ||
| Average total assets | $40,913,000 | 6,803 |
| Average earning assets | $36,428,500 | 6,832 |
| Average equity | $3,406,500 | 7,043 |
| Average total loans | $20,007,500 | 6,842 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7752% | 1,343 |
| Cost of funding earning assets | 1.3325% | 3,673 |
| Net interest margin | 4.4427% | 1,369 |
| Noninterest income to average assets | 0.6894% | 2,905 |
| Noninterest expense to average assets | 2.8414% | 4,432 |
| Loan and lease loss provision to assets | 0.1809% | 5,410 |
| Net operating income to assets | 1.6959% | 523 |
| Return on assets (ROA) | 1.6959% | 562 |
| Pretax return on assets | 1.6959% | 948 |
| Return on Equity (ROE) | 19.2479% | 296 |
| Retained earnings to average equity (ytd only) | 8.5976% | 818 |
| Net charge-offs to loans | 0.5377% | 3,461 |
| Credit loss provision to net charge-offs | 62.7273% | 6,034 |
| Earnings coverage of net charge-offs (x) | 6.5091% | 2,339 |
| Efficiency ratio | 60.2222% | 6,013 |
| Assets per employee ($millions) | 4.3967% | 3,038 |
| Cash dividends to net income (ytd only)* | 55.3323% | 1,837 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7549% | 7,050 |
| Loan loss allowance to noncurrent loans | 170.7865% | 1,745 |
| Noncurrent assets plus other real estate owned to assets | 0.4979% | 6,033 |
| Noncurrent loans to loans | 0.4420% | 6,156 |
| Net loans and leases to total assets | 50.5004% | 6,119 |
| Net loans and leases to deposits | 55.3760% | 6,492 |
| Net loans and leases to core deposits | 57.8882% | 6,569 |
| Total domestic deposits to total assets | 91.1954% | 509 |
| Equity capital to assets | 8.3397% | 6,096 |
| Core capital (leverage) ratio | 8.4252% | 5,491 |
| Tier 1 risk-based capital ratio | 17.6167% | 2,123 |
| Total risk-based capital ratio | 18.4412% | 2,238 |
| Memoranda: | ||
| Average total assets | $38,150,800 | 6,929 |
| Average earning assets | $34,596,000 | 6,932 |
| Average equity | $3,361,400 | 7,174 |
| Average total loans | $20,459,200 | 6,902 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7904% | 1,424 |
| Cost of funding earning assets | 1.3768% | 3,730 |
| Net interest margin | 4.4136% | 1,484 |
| Noninterest income to average assets | 0.6949% | 2,844 |
| Noninterest expense to average assets | 2.8150% | 4,420 |
| Loan and lease loss provision to assets | 0.0882% | 6,166 |
| Net operating income to assets | 1.8061% | 496 |
| Return on assets (ROA) | 1.8061% | 541 |
| Pretax return on assets | 1.8061% | 915 |
| Return on Equity (ROE) | 20.2162% | 296 |
| Retained earnings to average equity (ytd only) | 10.0686% | 776 |
| Net charge-offs to loans | 0.1688% | 4,957 |
| Credit loss provision to net charge-offs | 96.1538% | 4,507 |
| Earnings coverage of net charge-offs (x) | 20.6513% | 1,157 |
| Efficiency ratio | 59.7753% | 5,989 |
| Assets per employee ($millions) | 4.5122% | 2,886 |
| Cash dividends to net income (ytd only)* | 50.1956% | 1,618 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9479% | 6,578 |
| Loan loss allowance to noncurrent loans | 145.4545% | 1,946 |
| Noncurrent assets plus other real estate owned to assets | 0.6870% | 5,747 |
| Noncurrent loans to loans | 0.6517% | 5,903 |
| Net loans and leases to total assets | 49.4041% | 6,385 |
| Net loans and leases to deposits | 54.8829% | 6,696 |
| Net loans and leases to core deposits | 56.2856% | 6,841 |
| Total domestic deposits to total assets | 90.0172% | 872 |
| Equity capital to assets | 9.3721% | 5,023 |
| Core capital (leverage) ratio | 8.4583% | 5,584 |
| Tier 1 risk-based capital ratio | 17.1121% | 2,300 |
| Total risk-based capital ratio | 18.1344% | 2,344 |
| Memoranda: | ||
| Average total assets | $37,796,000 | 7,025 |
| Average earning assets | $34,378,000 | 7,016 |
| Average equity | $3,376,750 | 7,263 |
| Average total loans | $20,540,250 | 6,985 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7974% | 1,434 |
| Cost of funding earning assets | 1.4140% | 3,787 |
| Net interest margin | 4.3834% | 1,497 |
| Noninterest income to average assets | 0.6729% | 2,866 |
| Noninterest expense to average assets | 2.8976% | 4,087 |
| Loan and lease loss provision to assets | 0.0597% | 6,356 |
| Net operating income to assets | 1.7527% | 523 |
| Return on assets (ROA) | 1.7527% | 573 |
| Pretax return on assets | 1.7527% | 959 |
| Return on Equity (ROE) | 19.9773% | 319 |
| Retained earnings to average equity (ytd only) | 9.6485% | 928 |
| Net charge-offs to loans | 0.1938% | 4,449 |
| Credit loss provision to net charge-offs | 55.0000% | 5,318 |
| Earnings coverage of net charge-offs (x) | 16.7000% | 1,389 |
| Efficiency ratio | 61.5207% | 5,764 |
| Assets per employee ($millions) | 4.1851% | 3,414 |
| Cash dividends to net income (ytd only)* | 51.7028% | 1,608 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9082% | 6,730 |
| Loan loss allowance to noncurrent loans | 253.4247% | 1,123 |
| Noncurrent assets plus other real estate owned to assets | 0.7036% | 5,729 |
| Noncurrent loans to loans | 0.3584% | 6,519 |
| Net loans and leases to total assets | 53.5894% | 6,037 |
| Net loans and leases to deposits | 59.4096% | 6,469 |
| Net loans and leases to core deposits | 61.0889% | 6,632 |
| Total domestic deposits to total assets | 90.2034% | 815 |
| Equity capital to assets | 9.2152% | 5,121 |
| Core capital (leverage) ratio | 8.3300% | 5,706 |
| Tier 1 risk-based capital ratio | 17.0470% | 2,266 |
| Total risk-based capital ratio | 18.0594% | 2,305 |
| Memoranda: | ||
| Average total assets | $36,858,000 | 7,117 |
| Average earning assets | $33,946,330 | 7,083 |
| Average equity | $3,233,670 | 7,344 |
| Average total loans | $20,635,330 | 7,030 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7916% | 1,490 |
| Cost of funding earning assets | 1.4330% | 3,969 |
| Net interest margin | 4.3586% | 1,511 |
| Noninterest income to average assets | 0.6913% | 2,657 |
| Noninterest expense to average assets | 2.8749% | 4,165 |
| Loan and lease loss provision to assets | 0.0549% | 6,109 |
| Net operating income to assets | 1.7666% | 532 |
| Return on assets (ROA) | 1.7666% | 583 |
| Pretax return on assets | 1.7666% | 943 |
| Return on Equity (ROE) | 20.6742% | 343 |
| Retained earnings to average equity (ytd only) | 20.6742% | 179 |
| Net charge-offs to loans | 0.1156% | 4,283 |
| Credit loss provision to net charge-offs | 83.3333% | 3,799 |
| Earnings coverage of net charge-offs (x) | 27.6667% | 924 |
| Efficiency ratio | 61.2150% | 5,961 |
| Assets per employee ($millions) | 4.1353% | 3,591 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9368% | 6,722 |
| Loan loss allowance to noncurrent loans | 369.2308% | 849 |
| Noncurrent assets plus other real estate owned to assets | 0.1397% | 7,135 |
| Noncurrent loans to loans | 0.2537% | 6,830 |
| Net loans and leases to total assets | 54.5542% | 5,949 |
| Net loans and leases to deposits | 60.1636% | 6,450 |
| Net loans and leases to core deposits | 61.8572% | 6,613 |
| Total domestic deposits to total assets | 90.6766% | 668 |
| Equity capital to assets | 8.7565% | 5,634 |
| Core capital (leverage) ratio | 8.5339% | 5,314 |
| Tier 1 risk-based capital ratio | 17.0800% | 2,240 |
| Total risk-based capital ratio | 18.1311% | 2,266 |
| Memoranda: | ||
| Average total assets | $36,454,000 | 7,215 |
| Average earning assets | $33,497,000 | 7,185 |
| Average equity | $3,115,000 | 7,461 |
| Average total loans | $20,768,000 | 7,109 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1550% | 1,363 |
| Cost of funding earning assets | 1.6293% | 4,891 |
| Net interest margin | 4.5258% | 1,120 |
| Noninterest income to average assets | 0.8416% | 2,221 |
| Noninterest expense to average assets | 3.1015% | 3,737 |
| Loan and lease loss provision to assets | 0.0589% | 6,974 |
| Net operating income to assets | 1.8744% | 310 |
| Return on assets (ROA) | 1.8744% | 315 |
| Pretax return on assets | 1.8744% | 545 |
| Return on Equity (ROE) | 21.4247% | 182 |
| Retained earnings to average equity (ytd only) | 10.6619% | 306 |
| Net charge-offs to loans | 0.0985% | 6,147 |
| Credit loss provision to net charge-offs | 95.2381% | 5,810 |
| Earnings coverage of net charge-offs (x) | 31.2857% | 735 |
| Efficiency ratio | 61.6014% | 6,221 |
| Assets per employee ($millions) | 3.9656% | 3,888 |
| Cash dividends to net income (ytd only)* | 50.2355% | 2,467 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9173% | 6,739 |
| Loan loss allowance to noncurrent loans | 201.0417% | 1,481 |
| Noncurrent assets plus other real estate owned to assets | 0.2690% | 6,781 |
| Noncurrent loans to loans | 0.4563% | 6,354 |
| Net loans and leases to total assets | 58.4113% | 5,594 |
| Net loans and leases to deposits | 64.0736% | 6,256 |
| Net loans and leases to core deposits | 79.4716% | 6,147 |
| Total domestic deposits to total assets | 91.1628% | 473 |
| Equity capital to assets | 8.3245% | 6,162 |
| Core capital (leverage) ratio | 8.6526% | 5,010 |
| Tier 1 risk-based capital ratio | 16.1157% | 2,468 |
| Total risk-based capital ratio | 17.1668% | 2,488 |
| Memoranda: | ||
| Average total assets | $33,983,800 | 7,324 |
| Average earning assets | $31,486,400 | 7,290 |
| Average equity | $2,973,200 | 7,590 |
| Average total loans | $21,327,400 | 7,122 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2190% | 1,327 |
| Cost of funding earning assets | 1.6798% | 5,001 |
| Net interest margin | 4.5392% | 1,096 |
| Noninterest income to average assets | 0.8741% | 2,087 |
| Noninterest expense to average assets | 3.1070% | 3,626 |
| Loan and lease loss provision to assets | 0.0397% | 6,968 |
| Net operating income to assets | 1.9469% | 327 |
| Return on assets (ROA) | 1.9469% | 351 |
| Pretax return on assets | 1.9469% | 597 |
| Return on Equity (ROE) | 21.9696% | 206 |
| Retained earnings to average equity (ytd only) | 10.9848% | 476 |
| Net charge-offs to loans | 0.0623% | 6,081 |
| Credit loss provision to net charge-offs | 100.0000% | 5,070 |
| Earnings coverage of net charge-offs (x) | 50.0113% | 634 |
| Efficiency ratio | 60.9984% | 6,277 |
| Assets per employee ($millions) | 4.0326% | 3,664 |
| Cash dividends to net income (ytd only)* | 50.0000% | 2,008 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9025% | 6,746 |
| Loan loss allowance to noncurrent loans | 153.9683% | 1,861 |
| Noncurrent assets plus other real estate owned to assets | 0.3472% | 6,615 |
| Noncurrent loans to loans | 0.5861% | 6,139 |
| Net loans and leases to total assets | 58.6973% | 5,777 |
| Net loans and leases to deposits | 64.7350% | 6,425 |
| Net loans and leases to core deposits | 79.4651% | 6,394 |
| Total domestic deposits to total assets | 90.6731% | 528 |
| Equity capital to assets | 8.6821% | 5,983 |
| Core capital (leverage) ratio | 8.5625% | 5,370 |
| Tier 1 risk-based capital ratio | 15.5370% | 2,805 |
| Total risk-based capital ratio | 16.5814% | 2,841 |
| Memoranda: | ||
| Average total assets | $33,557,250 | 7,399 |
| Average earning assets | $31,193,750 | 7,363 |
| Average equity | $2,973,750 | 7,669 |
| Average total loans | $21,399,250 | 7,182 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2721% | 1,277 |
| Cost of funding earning assets | 1.7419% | 5,055 |
| Net interest margin | 4.5302% | 1,097 |
| Noninterest income to average assets | 0.8883% | 2,029 |
| Noninterest expense to average assets | 3.1674% | 3,443 |
| Loan and lease loss provision to assets | 0.0429% | 6,804 |
| Net operating income to assets | 1.9482% | 336 |
| Return on assets (ROA) | 1.9482% | 367 |
| Pretax return on assets | 1.9482% | 636 |
| Return on Equity (ROE) | 21.8207% | 246 |
| Retained earnings to average equity (ytd only) | 10.8417% | 584 |
| Net charge-offs to loans | 0.0936% | 5,245 |
| Credit loss provision to net charge-offs | 70.0000% | 5,416 |
| Earnings coverage of net charge-offs (x) | 32.5000% | 944 |
| Efficiency ratio | 61.4014% | 6,329 |
| Assets per employee ($millions) | 3.7274% | 4,262 |
| Cash dividends to net income (ytd only)* | 50.3145% | 2,036 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9055% | 6,743 |
| Loan loss allowance to noncurrent loans | 84.5133% | 3,352 |
| Noncurrent assets plus other real estate owned to assets | 0.6737% | 5,724 |
| Noncurrent loans to loans | 1.0714% | 5,067 |
| Net loans and leases to total assets | 62.3066% | 5,306 |
| Net loans and leases to deposits | 68.9994% | 6,091 |
| Net loans and leases to core deposits | 83.8428% | 6,101 |
| Total domestic deposits to total assets | 90.3002% | 710 |
| Equity capital to assets | 8.8056% | 5,589 |
| Core capital (leverage) ratio | 8.4918% | 5,466 |
| Tier 1 risk-based capital ratio | 15.6819% | 2,738 |
| Total risk-based capital ratio | 16.7516% | 2,744 |
| Memoranda: | ||
| Average total assets | $32,645,330 | 7,501 |
| Average earning assets | $30,771,000 | 7,446 |
| Average equity | $2,914,670 | 7,755 |
| Average total loans | $21,366,670 | 7,248 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4308% | 993 |
| Cost of funding earning assets | 1.7900% | 5,164 |
| Net interest margin | 4.6408% | 878 |
| Noninterest income to average assets | 0.8821% | 1,922 |
| Noninterest expense to average assets | 3.1434% | 3,220 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 2.0873% | 294 |
| Return on assets (ROA) | 2.0873% | 339 |
| Pretax return on assets | 2.0873% | 552 |
| Return on Equity (ROE) | 23.2124% | 254 |
| Retained earnings to average equity (ytd only) | 23.2124% | 107 |
| Net charge-offs to loans | 0.0372% | 4,989 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 84.0000% | 502 |
| Efficiency ratio | 60.0950% | 6,391 |
| Assets per employee ($millions) | 3.6563% | 4,436 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8993% | 6,756 |
| Loan loss allowance to noncurrent loans | 314.7541% | 1,074 |
| Noncurrent assets plus other real estate owned to assets | 0.1854% | 6,982 |
| Noncurrent loans to loans | 0.2857% | 6,721 |
| Net loans and leases to total assets | 64.2994% | 4,933 |
| Net loans and leases to deposits | 71.1370% | 5,850 |
| Net loans and leases to core deposits | 86.2963% | 5,878 |
| Total domestic deposits to total assets | 90.3881% | 648 |
| Equity capital to assets | 9.0163% | 5,333 |
| Core capital (leverage) ratio | 8.6732% | 5,201 |
| Tier 1 risk-based capital ratio | 15.6142% | 2,808 |
| Total risk-based capital ratio | 16.6815% | 2,815 |
| Memoranda: | ||
| Average total assets | $32,194,500 | 7,559 |
| Average earning assets | $30,167,500 | 7,509 |
| Average equity | $2,895,000 | 7,816 |
| Average total loans | $21,503,500 | 7,273 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6095% | 2,438 |
| Cost of funding earning assets | 2.1126% | 5,988 |
| Net interest margin | 4.4969% | 1,431 |
| Noninterest income to average assets | 0.9085% | 1,925 |
| Noninterest expense to average assets | 3.1952% | 3,359 |
| Loan and lease loss provision to assets | 0.0218% | 7,120 |
| Net operating income to assets | 1.8636% | 473 |
| Return on assets (ROA) | 1.8636% | 456 |
| Pretax return on assets | 1.8636% | 826 |
| Return on Equity (ROE) | 21.8917% | 261 |
| Retained earnings to average equity (ytd only) | -5.2993% | 6,559 |
| Net charge-offs to loans | 0.1015% | 5,299 |
| Credit loss provision to net charge-offs | 31.8182% | 6,511 |
| Earnings coverage of net charge-offs (x) | 27.5455% | 1,239 |
| Efficiency ratio | 62.8904% | 5,800 |
| Assets per employee ($millions) | 3.4980% | 4,663 |
| Cash dividends to net income (ytd only)* | 124.2070% | 640 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8958% | 6,698 |
| Loan loss allowance to noncurrent loans | 262.1622% | 1,524 |
| Noncurrent assets plus other real estate owned to assets | 0.2351% | 6,630 |
| Noncurrent loans to loans | 0.3417% | 6,352 |
| Net loans and leases to total assets | 68.1723% | 4,435 |
| Net loans and leases to deposits | 75.3000% | 5,683 |
| Net loans and leases to core deposits | 90.7062% | 5,743 |
| Total domestic deposits to total assets | 90.5343% | 471 |
| Equity capital to assets | 8.9670% | 5,412 |
| Core capital (leverage) ratio | 8.1494% | 6,253 |
| Tier 1 risk-based capital ratio | 14.6134% | 3,249 |
| Total risk-based capital ratio | 15.6756% | 3,240 |
| Memoranda: | ||
| Average total assets | $32,142,200 | 7,554 |
| Average earning assets | $29,820,800 | 7,519 |
| Average equity | $2,736,200 | 7,920 |
| Average total loans | $21,670,800 | 7,215 |