Home > Marshall County State Bank > Performance and Condition Ratios
Marshall County State Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3157% | 2,487 |
| Cost of funding earning assets | 2.0445% | 1,806 |
| Net interest margin | 3.2712% | 2,832 |
| Noninterest income to average assets | 0.1500% | 3,849 |
| Noninterest expense to average assets | 1.6078% | 4,134 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | 1.3850% | 1,284 |
| Return on assets (ROA) | 1.3850% | 1,285 |
| Pretax return on assets | 1.6465% | 1,207 |
| Return on Equity (ROE) | 8.4500% | 2,755 |
| Retained earnings to average equity (ytd only) | 8.4484% | 1,573 |
| Net charge-offs to loans | 0.0563% | 1,110 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 85.0000% | 772 |
| Efficiency ratio | 49.4048% | 3,926 |
| Assets per employee ($millions) | 8.1730% | 1,469 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3462% | 247 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,773 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,816 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 33.6100% | 4,128 |
| Net loans and leases to deposits | 40.5282% | 4,117 |
| Net loans and leases to core deposits | 42.6381% | 4,123 |
| Total domestic deposits to total assets | 82.9300% | 3,131 |
| Equity capital to assets | 16.7087% | 421 |
| Core capital (leverage) ratio | 16.6252% | 422 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 57.3166% | 92 |
| Memoranda: | ||
| Average total assets | $41,299,500 | 4,275 |
| Average earning assets | $39,129,500 | 4,247 |
| Average equity | $6,770,500 | 4,091 |
| Average total loans | $14,213,000 | 4,266 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2736% | 2,581 |
| Cost of funding earning assets | 1.9624% | 2,307 |
| Net interest margin | 3.3112% | 2,488 |
| Noninterest income to average assets | 0.1700% | 3,879 |
| Noninterest expense to average assets | 1.5200% | 4,244 |
| Loan and lease loss provision to assets | 0.0000% | 3,171 |
| Net operating income to assets | 1.6539% | 711 |
| Return on assets (ROA) | 1.6539% | 702 |
| Pretax return on assets | 1.8969% | 715 |
| Return on Equity (ROE) | 10.0500% | 2,134 |
| Retained earnings to average equity (ytd only) | 3.7977% | 2,709 |
| Net charge-offs to loans | -0.0220% | 4,184 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 44.4848% | 4,220 |
| Assets per employee ($millions) | 8.3468% | 1,342 |
| Cash dividends to net income (ytd only)* | 62.2189% | 1,100 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3049% | 250 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,770 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,816 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 33.6200% | 4,160 |
| Net loans and leases to deposits | 40.2363% | 4,149 |
| Net loans and leases to core deposits | 42.2400% | 4,164 |
| Total domestic deposits to total assets | 83.5500% | 2,901 |
| Equity capital to assets | 16.0852% | 457 |
| Core capital (leverage) ratio | 16.1236% | 463 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 57.3696% | 98 |
| Memoranda: | ||
| Average total assets | $40,329,800 | 4,301 |
| Average earning assets | $39,593,400 | 4,262 |
| Average equity | $6,635,600 | 4,091 |
| Average total loans | $13,620,400 | 4,290 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2021% | 2,658 |
| Cost of funding earning assets | 1.9504% | 2,335 |
| Net interest margin | 3.2517% | 2,562 |
| Noninterest income to average assets | 0.1700% | 3,870 |
| Noninterest expense to average assets | 1.5775% | 4,193 |
| Loan and lease loss provision to assets | 0.0000% | 3,009 |
| Net operating income to assets | 1.4541% | 1,002 |
| Return on assets (ROA) | 1.4541% | 1,001 |
| Pretax return on assets | 1.7809% | 895 |
| Return on Equity (ROE) | 8.7900% | 2,525 |
| Retained earnings to average equity (ytd only) | 8.7862% | 1,168 |
| Net charge-offs to loans | -0.0198% | 4,155 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 46.9712% | 4,125 |
| Assets per employee ($millions) | 8.0546% | 1,485 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3583% | 250 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,813 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,861 |
| Noncurrent loans to loans | 0.0000% | 3,830 |
| Net loans and leases to total assets | 33.9300% | 4,179 |
| Net loans and leases to deposits | 41.2942% | 4,163 |
| Net loans and leases to core deposits | 43.8015% | 4,175 |
| Total domestic deposits to total assets | 82.1600% | 3,067 |
| Equity capital to assets | 17.2746% | 388 |
| Core capital (leverage) ratio | 17.0179% | 401 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 60.6139% | 83 |
| Memoranda: | ||
| Average total assets | $39,978,750 | 4,327 |
| Average earning assets | $39,239,750 | 4,293 |
| Average equity | $6,616,250 | 4,111 |
| Average total loans | $13,435,250 | 4,316 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0436% | 2,874 |
| Cost of funding earning assets | 1.9143% | 2,321 |
| Net interest margin | 3.1293% | 2,798 |
| Noninterest income to average assets | 0.1700% | 3,865 |
| Noninterest expense to average assets | 1.6048% | 4,185 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 1.2387% | 1,386 |
| Return on assets (ROA) | 1.2387% | 1,386 |
| Pretax return on assets | 1.6399% | 1,068 |
| Return on Equity (ROE) | 7.6000% | 2,846 |
| Retained earnings to average equity (ytd only) | 7.5969% | 1,483 |
| Net charge-offs to loans | -0.0302% | 4,224 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 49.4590% | 4,037 |
| Assets per employee ($millions) | 8.0750% | 1,412 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4550% | 236 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,808 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,854 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 32.4800% | 4,221 |
| Net loans and leases to deposits | 39.1298% | 4,213 |
| Net loans and leases to core deposits | 40.7952% | 4,220 |
| Total domestic deposits to total assets | 82.9900% | 2,871 |
| Equity capital to assets | 16.5127% | 432 |
| Core capital (leverage) ratio | 16.6401% | 425 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 61.9793% | 84 |
| Memoranda: | ||
| Average total assets | $39,880,667 | 4,348 |
| Average earning assets | $39,178,000 | 4,314 |
| Average equity | $6,502,667 | 4,122 |
| Average total loans | $13,249,333 | 4,338 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5565% | 3,596 |
| Cost of funding earning assets | 1.8677% | 2,323 |
| Net interest margin | 2.6887% | 3,588 |
| Noninterest income to average assets | 0.1600% | 3,893 |
| Noninterest expense to average assets | 2.0891% | 3,348 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 0.7166% | 2,787 |
| Return on assets (ROA) | 0.7166% | 2,807 |
| Pretax return on assets | 0.7166% | 3,119 |
| Return on Equity (ROE) | 4.4200% | 3,582 |
| Retained earnings to average equity (ytd only) | 4.4233% | 2,577 |
| Net charge-offs to loans | -0.0304% | 4,223 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 74.4604% | 1,697 |
| Assets per employee ($millions) | 8.0206% | 1,438 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5061% | 194 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,825 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,894 |
| Noncurrent loans to loans | 0.0000% | 3,844 |
| Net loans and leases to total assets | 31.9200% | 4,246 |
| Net loans and leases to deposits | 38.2562% | 4,215 |
| Net loans and leases to core deposits | 39.8797% | 4,275 |
| Total domestic deposits to total assets | 83.4300% | 2,882 |
| Equity capital to assets | 16.1659% | 444 |
| Core capital (leverage) ratio | 16.8312% | 404 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 61.9907% | 87 |
| Memoranda: | ||
| Average total assets | $39,633,500 | 4,380 |
| Average earning assets | $38,977,500 | 4,337 |
| Average equity | $6,420,500 | 4,155 |
| Average total loans | $13,153,000 | 4,364 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5469% | 3,017 |
| Cost of funding earning assets | 1.3158% | 2,471 |
| Net interest margin | 3.2311% | 2,793 |
| Noninterest income to average assets | 0.2100% | 3,699 |
| Noninterest expense to average assets | 1.6647% | 4,174 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.7195% | 706 |
| Return on assets (ROA) | 1.7195% | 675 |
| Pretax return on assets | 1.7195% | 1,025 |
| Return on Equity (ROE) | 11.0400% | 2,212 |
| Retained earnings to average equity (ytd only) | 4.0859% | 2,931 |
| Net charge-offs to loans | 0.0080% | 2,371 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 659.0000% | 220 |
| Efficiency ratio | 49.1904% | 4,028 |
| Assets per employee ($millions) | 7.8328% | 1,522 |
| Cash dividends to net income (ytd only)* | 62.9742% | 1,075 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4890% | 196 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 32.8100% | 4,238 |
| Net loans and leases to deposits | 39.3544% | 4,213 |
| Net loans and leases to core deposits | 40.6968% | 4,276 |
| Total domestic deposits to total assets | 83.3700% | 2,790 |
| Equity capital to assets | 16.2343% | 442 |
| Core capital (leverage) ratio | 16.6970% | 411 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 61.6128% | 82 |
| Memoranda: | ||
| Average total assets | $38,325,200 | 4,408 |
| Average earning assets | $37,696,200 | 4,359 |
| Average equity | $5,971,800 | 4,163 |
| Average total loans | $12,424,400 | 4,381 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3918% | 3,118 |
| Cost of funding earning assets | 1.1593% | 2,567 |
| Net interest margin | 3.2325% | 2,843 |
| Noninterest income to average assets | 0.2200% | 3,650 |
| Noninterest expense to average assets | 1.7840% | 4,010 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.6126% | 923 |
| Return on assets (ROA) | 1.6126% | 909 |
| Pretax return on assets | 1.6126% | 1,325 |
| Return on Equity (ROE) | 10.4600% | 2,511 |
| Retained earnings to average equity (ytd only) | 1.0439% | 3,942 |
| Net charge-offs to loans | 0.0218% | 1,668 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 230.5000% | 539 |
| Efficiency ratio | 52.5232% | 3,715 |
| Assets per employee ($millions) | 7.6376% | 1,546 |
| Cash dividends to net income (ytd only)* | 90.0217% | 320 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4622% | 207 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 33.9200% | 4,244 |
| Net loans and leases to deposits | 40.5281% | 4,196 |
| Net loans and leases to core deposits | 41.5805% | 4,223 |
| Total domestic deposits to total assets | 83.7000% | 2,858 |
| Equity capital to assets | 15.8846% | 453 |
| Core capital (leverage) ratio | 16.5978% | 441 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 58.9281% | 87 |
| Memoranda: | ||
| Average total assets | $38,115,500 | 4,428 |
| Average earning assets | $37,493,250 | 4,382 |
| Average equity | $5,875,250 | 4,182 |
| Average total loans | $12,236,000 | 4,408 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3262% | 3,049 |
| Cost of funding earning assets | 0.9495% | 2,771 |
| Net interest margin | 3.3767% | 2,582 |
| Noninterest income to average assets | 0.2200% | 3,636 |
| Noninterest expense to average assets | 1.8849% | 3,850 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.6592% | 854 |
| Return on assets (ROA) | 1.6592% | 855 |
| Pretax return on assets | 1.6592% | 1,300 |
| Return on Equity (ROE) | 10.8700% | 2,454 |
| Retained earnings to average equity (ytd only) | -3.4069% | 4,360 |
| Net charge-offs to loans | 0.0505% | 1,011 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 105.3333% | 909 |
| Efficiency ratio | 53.1852% | 3,679 |
| Assets per employee ($millions) | 7.6344% | 1,519 |
| Cash dividends to net income (ytd only)* | 131.3291% | 157 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6210% | 189 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 31.8300% | 4,288 |
| Net loans and leases to deposits | 37.7087% | 4,259 |
| Net loans and leases to core deposits | 38.6800% | 4,282 |
| Total domestic deposits to total assets | 84.4000% | 2,722 |
| Equity capital to assets | 15.3463% | 492 |
| Core capital (leverage) ratio | 16.2305% | 453 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 62.0666% | 79 |
| Memoranda: | ||
| Average total assets | $38,091,333 | 4,451 |
| Average earning assets | $37,492,333 | 4,404 |
| Average equity | $5,811,667 | 4,213 |
| Average total loans | $11,887,667 | 4,437 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9925% | 3,465 |
| Cost of funding earning assets | 0.8113% | 2,694 |
| Net interest margin | 3.1812% | 3,157 |
| Noninterest income to average assets | 0.2300% | 3,568 |
| Noninterest expense to average assets | 1.5979% | 4,308 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.7661% | 718 |
| Return on assets (ROA) | 1.7661% | 713 |
| Pretax return on assets | 1.7661% | 1,139 |
| Return on Equity (ROE) | 11.6100% | 2,319 |
| Retained earnings to average equity (ytd only) | -17.0683% | 4,569 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 47.5000% | 4,119 |
| Assets per employee ($millions) | 7.3770% | 1,697 |
| Cash dividends to net income (ytd only)* | 247.0238% | 89 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8179% | 156 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 30.8600% | 4,352 |
| Net loans and leases to deposits | 36.5525% | 4,312 |
| Net loans and leases to core deposits | 37.5276% | 4,329 |
| Total domestic deposits to total assets | 84.4100% | 2,992 |
| Equity capital to assets | 15.4480% | 446 |
| Core capital (leverage) ratio | 15.7037% | 497 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 64.5110% | 82 |
| Memoranda: | ||
| Average total assets | $38,051,000 | 4,520 |
| Average earning assets | $37,470,000 | 4,473 |
| Average equity | $5,788,500 | 4,270 |
| Average total loans | $11,593,500 | 4,506 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4463% | 4,520 |
| Cost of funding earning assets | 0.3638% | 2,375 |
| Net interest margin | 2.0825% | 4,529 |
| Noninterest income to average assets | 0.5000% | 2,092 |
| Noninterest expense to average assets | 1.3049% | 4,555 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.2427% | 1,620 |
| Return on assets (ROA) | 1.2427% | 1,574 |
| Pretax return on assets | 1.2427% | 2,298 |
| Return on Equity (ROE) | 8.5000% | 3,257 |
| Retained earnings to average equity (ytd only) | 8.5026% | 1,644 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 51.2220% | 4,049 |
| Assets per employee ($millions) | 7.8434% | 1,412 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8756% | 135 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 28.4200% | 4,424 |
| Net loans and leases to deposits | 33.4675% | 4,402 |
| Net loans and leases to core deposits | 34.8323% | 4,398 |
| Total domestic deposits to total assets | 84.9200% | 3,012 |
| Equity capital to assets | 14.9909% | 470 |
| Core capital (leverage) ratio | 15.6786% | 493 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 68.9470% | 79 |
| Memoranda: | ||
| Average total assets | $38,546,000 | 4,541 |
| Average earning assets | $37,934,600 | 4,498 |
| Average equity | $5,633,600 | 4,367 |
| Average total loans | $10,029,400 | 4,557 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9536% | 4,619 |
| Cost of funding earning assets | 0.2791% | 2,391 |
| Net interest margin | 1.6745% | 4,620 |
| Noninterest income to average assets | 0.6000% | 1,705 |
| Noninterest expense to average assets | 1.3688% | 4,535 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.8755% | 2,981 |
| Return on assets (ROA) | 0.8755% | 2,950 |
| Pretax return on assets | 0.8755% | 3,395 |
| Return on Equity (ROE) | 6.0300% | 3,794 |
| Retained earnings to average equity (ytd only) | 6.0297% | 2,743 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 60.9907% | 2,976 |
| Assets per employee ($millions) | 9.8178% | 691 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1120% | 121 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 26.1600% | 4,505 |
| Net loans and leases to deposits | 30.6047% | 4,492 |
| Net loans and leases to core deposits | 31.5958% | 4,485 |
| Total domestic deposits to total assets | 85.4800% | 3,182 |
| Equity capital to assets | 14.3363% | 533 |
| Core capital (leverage) ratio | 15.1008% | 539 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 71.7260% | 74 |
| Memoranda: | ||
| Average total assets | $38,378,250 | 4,577 |
| Average earning assets | $37,742,000 | 4,533 |
| Average equity | $5,572,250 | 4,412 |
| Average total loans | $9,667,750 | 4,600 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5377% | 4,703 |
| Cost of funding earning assets | 0.2403% | 2,393 |
| Net interest margin | 1.2974% | 4,707 |
| Noninterest income to average assets | 0.2048% | 3,967 |
| Noninterest expense to average assets | 1.4548% | 4,467 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.0263% | 4,564 |
| Return on assets (ROA) | 0.0263% | 4,535 |
| Pretax return on assets | 0.0263% | 4,530 |
| Return on Equity (ROE) | 0.1801% | 4,540 |
| Retained earnings to average equity (ytd only) | 0.1801% | 4,154 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.2270% | 211 |
| Assets per employee ($millions) | 9.8438% | 693 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2176% | 115 |
| Loan loss allowance to noncurrent loans | 1,941.1765% | 572 |
| Noncurrent assets plus other real estate owned to assets | 0.0432% | 3,553 |
| Noncurrent loans to loans | 0.1658% | 2,864 |
| Net loans and leases to total assets | 25.2089% | 4,576 |
| Net loans and leases to deposits | 29.3174% | 4,560 |
| Net loans and leases to core deposits | 30.2585% | 4,561 |
| Total domestic deposits to total assets | 85.9860% | 3,252 |
| Equity capital to assets | 13.8717% | 538 |
| Core capital (leverage) ratio | 14.3666% | 561 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 71.1906% | 39 |
| Memoranda: | ||
| Average total assets | $38,080,667 | 4,621 |
| Average earning assets | $37,458,333 | 4,595 |
| Average equity | $5,553,000 | 4,460 |
| Average total loans | $9,355,667 | 4,671 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.3635% | 4,733 |
| Cost of funding earning assets | 0.2291% | 2,412 |
| Net interest margin | 1.1344% | 4,738 |
| Noninterest income to average assets | 0.1923% | 4,007 |
| Noninterest expense to average assets | 1.4319% | 4,501 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | -0.1282% | 4,612 |
| Return on assets (ROA) | -0.1282% | 4,597 |
| Pretax return on assets | -0.1282% | 4,591 |
| Return on Equity (ROE) | -0.8574% | 4,582 |
| Retained earnings to average equity (ytd only) | -0.8574% | 4,126 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 109.8361% | 132 |
| Assets per employee ($millions) | 9.5940% | 757 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5317% | 99 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 23.4886% | 4,620 |
| Net loans and leases to deposits | 27.4507% | 4,611 |
| Net loans and leases to core deposits | 28.3602% | 4,608 |
| Total domestic deposits to total assets | 85.5665% | 3,397 |
| Equity capital to assets | 14.3241% | 474 |
| Core capital (leverage) ratio | 14.9049% | 443 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 77.0265% | 38 |
| Memoranda: | ||
| Average total assets | $37,433,500 | 4,651 |
| Average earning assets | $36,671,000 | 4,629 |
| Average equity | $5,598,500 | 4,511 |
| Average total loans | $8,905,500 | 4,705 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6754% | 4,731 |
| Cost of funding earning assets | 0.2664% | 2,738 |
| Net interest margin | 1.4090% | 4,738 |
| Noninterest income to average assets | 0.1815% | 4,246 |
| Noninterest expense to average assets | 1.3953% | 4,627 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.1361% | 4,592 |
| Return on assets (ROA) | 0.1361% | 4,604 |
| Pretax return on assets | 0.1361% | 4,616 |
| Return on Equity (ROE) | 0.8445% | 4,618 |
| Retained earnings to average equity (ytd only) | 0.8445% | 4,299 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.1111% | 290 |
| Assets per employee ($millions) | 9.1228% | 881 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8975% | 69 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 22.2986% | 4,691 |
| Net loans and leases to deposits | 26.4566% | 4,679 |
| Net loans and leases to core deposits | 26.9375% | 4,687 |
| Total domestic deposits to total assets | 84.2838% | 3,481 |
| Equity capital to assets | 15.6203% | 419 |
| Core capital (leverage) ratio | 15.6966% | 389 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 86.0731% | 39 |
| Memoranda: | ||
| Average total assets | $35,261,400 | 4,707 |
| Average earning assets | $33,783,800 | 4,683 |
| Average equity | $5,684,000 | 4,560 |
| Average total loans | $7,802,400 | 4,757 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7438% | 4,809 |
| Cost of funding earning assets | 0.2720% | 2,873 |
| Net interest margin | 1.4719% | 4,810 |
| Noninterest income to average assets | 0.1755% | 4,327 |
| Noninterest expense to average assets | 1.4991% | 4,595 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.0801% | 4,708 |
| Return on assets (ROA) | 0.0801% | 4,722 |
| Pretax return on assets | 0.0801% | 4,723 |
| Return on Equity (ROE) | 0.4929% | 4,727 |
| Retained earnings to average equity (ytd only) | 0.4929% | 4,498 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.9275% | 217 |
| Assets per employee ($millions) | 9.0033% | 891 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8669% | 73 |
| Loan loss allowance to noncurrent loans | 33,000.0000% | 53 |
| Noncurrent assets plus other real estate owned to assets | 0.0028% | 4,257 |
| Noncurrent loans to loans | 0.0117% | 4,118 |
| Net loans and leases to total assets | 22.7807% | 4,762 |
| Net loans and leases to deposits | 27.1260% | 4,754 |
| Net loans and leases to core deposits | 27.6257% | 4,761 |
| Total domestic deposits to total assets | 83.9808% | 3,458 |
| Equity capital to assets | 15.8026% | 437 |
| Core capital (leverage) ratio | 15.8209% | 402 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 85.4432% | 34 |
| Memoranda: | ||
| Average total assets | $34,954,000 | 4,782 |
| Average earning assets | $33,335,500 | 4,758 |
| Average equity | $5,680,000 | 4,630 |
| Average total loans | $7,636,250 | 4,831 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7407% | 4,847 |
| Cost of funding earning assets | 0.2810% | 2,964 |
| Net interest margin | 1.4597% | 4,850 |
| Noninterest income to average assets | 0.1618% | 4,388 |
| Noninterest expense to average assets | 1.5260% | 4,599 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.0173% | 4,765 |
| Return on assets (ROA) | 0.0173% | 4,775 |
| Pretax return on assets | 0.0173% | 4,774 |
| Return on Equity (ROE) | 0.1057% | 4,776 |
| Retained earnings to average equity (ytd only) | 0.1057% | 4,494 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.8764% | 177 |
| Assets per employee ($millions) | 8.9203% | 886 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2178% | 60 |
| Loan loss allowance to noncurrent loans | 33,000.0000% | 43 |
| Noncurrent assets plus other real estate owned to assets | 0.0028% | 4,311 |
| Noncurrent loans to loans | 0.0128% | 4,176 |
| Net loans and leases to total assets | 21.0028% | 4,824 |
| Net loans and leases to deposits | 25.0292% | 4,820 |
| Net loans and leases to core deposits | 25.4950% | 4,824 |
| Total domestic deposits to total assets | 83.9130% | 3,469 |
| Equity capital to assets | 15.9160% | 421 |
| Core capital (leverage) ratio | 15.7789% | 398 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 90.7223% | 33 |
| Memoranda: | ||
| Average total assets | $34,601,000 | 4,817 |
| Average earning assets | $32,745,333 | 4,793 |
| Average equity | $5,676,333 | 4,657 |
| Average total loans | $7,337,000 | 4,873 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4130% | 4,911 |
| Cost of funding earning assets | 0.2751% | 3,222 |
| Net interest margin | 1.1379% | 4,919 |
| Noninterest income to average assets | 0.1527% | 4,440 |
| Noninterest expense to average assets | 1.6089% | 4,518 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | -0.3875% | 4,873 |
| Return on assets (ROA) | -0.3875% | 4,878 |
| Pretax return on assets | -0.3875% | 4,875 |
| Return on Equity (ROE) | -2.3260% | 4,866 |
| Retained earnings to average equity (ytd only) | -2.3260% | 4,562 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 131.7308% | 52 |
| Assets per employee ($millions) | 5.8932% | 2,706 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4819% | 55 |
| Loan loss allowance to noncurrent loans | 702.1277% | 896 |
| Noncurrent assets plus other real estate owned to assets | 0.1329% | 3,511 |
| Noncurrent loans to loans | 0.6383% | 1,981 |
| Net loans and leases to total assets | 19.8903% | 4,860 |
| Net loans and leases to deposits | 23.7113% | 4,857 |
| Net loans and leases to core deposits | 24.1568% | 4,863 |
| Total domestic deposits to total assets | 83.8853% | 3,472 |
| Equity capital to assets | 15.9846% | 391 |
| Core capital (leverage) ratio | 16.4108% | 350 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 94.5283% | 32 |
| Memoranda: | ||
| Average total assets | $34,061,000 | 4,839 |
| Average earning assets | $31,988,500 | 4,821 |
| Average equity | $5,675,000 | 4,674 |
| Average total loans | $7,093,500 | 4,902 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9384% | 4,919 |
| Cost of funding earning assets | 0.3764% | 3,731 |
| Net interest margin | 1.5620% | 4,915 |
| Noninterest income to average assets | 0.1804% | 4,384 |
| Noninterest expense to average assets | 1.5988% | 4,704 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.0404% | 4,704 |
| Return on assets (ROA) | 0.0404% | 4,739 |
| Pretax return on assets | 0.0404% | 4,734 |
| Return on Equity (ROE) | 0.2201% | 4,747 |
| Retained earnings to average equity (ytd only) | -5.4013% | 4,840 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.5332% | 211 |
| Assets per employee ($millions) | 5.4605% | 2,884 |
| Cash dividends to net income (ytd only)* | 2,553.8462% | 5 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8359% | 44 |
| Loan loss allowance to noncurrent loans | 673.4694% | 919 |
| Noncurrent assets plus other real estate owned to assets | 0.1496% | 3,531 |
| Noncurrent loans to loans | 0.7181% | 1,903 |
| Net loans and leases to total assets | 19.8211% | 4,882 |
| Net loans and leases to deposits | 24.0349% | 4,884 |
| Net loans and leases to core deposits | 24.5288% | 4,885 |
| Total domestic deposits to total assets | 82.4680% | 3,547 |
| Equity capital to assets | 17.3916% | 307 |
| Core capital (leverage) ratio | 20.9919% | 153 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 98.5044% | 30 |
| Memoranda: | ||
| Average total assets | $32,149,800 | 4,854 |
| Average earning assets | $30,025,000 | 4,838 |
| Average equity | $5,906,000 | 4,654 |
| Average total loans | $6,958,000 | 4,934 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0432% | 4,962 |
| Cost of funding earning assets | 0.4006% | 3,802 |
| Net interest margin | 1.6426% | 4,954 |
| Noninterest income to average assets | 0.1875% | 4,347 |
| Noninterest expense to average assets | 1.7460% | 4,571 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | -0.0208% | 4,783 |
| Return on assets (ROA) | -0.0208% | 4,800 |
| Pretax return on assets | -0.0208% | 4,794 |
| Return on Equity (ROE) | -0.1119% | 4,799 |
| Retained earnings to average equity (ytd only) | -7.5415% | 4,895 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.2077% | 163 |
| Assets per employee ($millions) | 6.4354% | 1,883 |
| Cash dividends to net income (ytd only)* | -6,640.0000% | 5,031 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7729% | 44 |
| Loan loss allowance to noncurrent loans | 4,125.0000% | 202 |
| Noncurrent assets plus other real estate owned to assets | 0.0249% | 4,339 |
| Noncurrent loans to loans | 0.1157% | 3,913 |
| Net loans and leases to total assets | 20.4618% | 4,923 |
| Net loans and leases to deposits | 24.9441% | 4,926 |
| Net loans and leases to core deposits | 25.1884% | 4,926 |
| Total domestic deposits to total assets | 82.0306% | 3,413 |
| Equity capital to assets | 17.7145% | 322 |
| Core capital (leverage) ratio | 17.5349% | 298 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 98.8237% | 34 |
| Memoranda: | ||
| Average total assets | $31,996,500 | 4,883 |
| Average earning assets | $29,952,250 | 4,868 |
| Average equity | $5,958,000 | 4,669 |
| Average total loans | $6,991,500 | 4,967 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2033% | 5,005 |
| Cost of funding earning assets | 0.4366% | 3,860 |
| Net interest margin | 1.7666% | 4,989 |
| Noninterest income to average assets | 0.1879% | 4,337 |
| Noninterest expense to average assets | 1.8787% | 4,443 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | -0.0438% | 4,807 |
| Return on assets (ROA) | -0.0438% | 4,813 |
| Pretax return on assets | -0.0438% | 4,809 |
| Return on Equity (ROE) | -0.2316% | 4,810 |
| Retained earnings to average equity (ytd only) | -0.2316% | 4,354 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.3891% | 155 |
| Assets per employee ($millions) | 6.4394% | 1,834 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6551% | 46 |
| Loan loss allowance to noncurrent loans | 8,250.0000% | 87 |
| Noncurrent assets plus other real estate owned to assets | 0.0124% | 4,511 |
| Noncurrent loans to loans | 0.0564% | 4,250 |
| Net loans and leases to total assets | 20.9926% | 4,952 |
| Net loans and leases to deposits | 25.9114% | 4,954 |
| Net loans and leases to core deposits | 26.1683% | 4,954 |
| Total domestic deposits to total assets | 81.0169% | 3,603 |
| Equity capital to assets | 18.7875% | 245 |
| Core capital (leverage) ratio | 18.6722% | 259 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 103.9388% | 33 |
| Memoranda: | ||
| Average total assets | $31,936,333 | 4,911 |
| Average earning assets | $29,774,000 | 4,899 |
| Average equity | $6,044,000 | 4,685 |
| Average total loans | $7,017,333 | 4,999 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6554% | 5,025 |
| Cost of funding earning assets | 0.4902% | 3,984 |
| Net interest margin | 2.1652% | 4,976 |
| Noninterest income to average assets | 0.2138% | 4,269 |
| Noninterest expense to average assets | 1.9116% | 4,530 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.3018% | 4,339 |
| Return on assets (ROA) | 0.3018% | 4,360 |
| Pretax return on assets | 0.3018% | 4,453 |
| Return on Equity (ROE) | 1.5890% | 4,526 |
| Retained earnings to average equity (ytd only) | 1.5890% | 3,575 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.3636% | 680 |
| Assets per employee ($millions) | 5.1220% | 2,509 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8126% | 46 |
| Loan loss allowance to noncurrent loans | 103.7736% | 3,182 |
| Noncurrent assets plus other real estate owned to assets | 1.0348% | 1,272 |
| Noncurrent loans to loans | 4.6376% | 148 |
| Net loans and leases to total assets | 21.2384% | 5,000 |
| Net loans and leases to deposits | 26.5455% | 5,000 |
| Net loans and leases to core deposits | 26.8248% | 5,001 |
| Total domestic deposits to total assets | 80.0078% | 3,859 |
| Equity capital to assets | 19.8262% | 255 |
| Core capital (leverage) ratio | 19.2844% | 264 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 103.7575% | 36 |
| Memoranda: | ||
| Average total assets | $31,806,000 | 4,956 |
| Average earning assets | $29,374,000 | 4,941 |
| Average equity | $6,041,500 | 4,721 |
| Average total loans | $6,981,500 | 5,045 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1158% | 5,026 |
| Cost of funding earning assets | 0.5696% | 3,776 |
| Net interest margin | 2.5462% | 4,943 |
| Noninterest income to average assets | 0.2471% | 4,200 |
| Noninterest expense to average assets | 1.5681% | 4,968 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.9701% | 2,951 |
| Return on assets (ROA) | 0.9701% | 3,033 |
| Pretax return on assets | 0.9701% | 3,540 |
| Return on Equity (ROE) | 5.3975% | 4,108 |
| Retained earnings to average equity (ytd only) | -0.2376% | 4,735 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7788% | 3,416 |
| Assets per employee ($millions) | 5.4800% | 2,079 |
| Cash dividends to net income (ytd only)* | 104.4025% | 254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6440% | 42 |
| Loan loss allowance to noncurrent loans | 268.2927% | 1,682 |
| Noncurrent assets plus other real estate owned to assets | 0.3741% | 2,914 |
| Noncurrent loans to loans | 1.7309% | 790 |
| Net loans and leases to total assets | 20.6083% | 5,068 |
| Net loans and leases to deposits | 25.2393% | 5,069 |
| Net loans and leases to core deposits | 25.4785% | 5,068 |
| Total domestic deposits to total assets | 81.6515% | 3,602 |
| Equity capital to assets | 18.2178% | 351 |
| Core capital (leverage) ratio | 18.4084% | 312 |
| Tier 1 risk-based capital ratio | 96.5735% | 46 |
| Total risk-based capital ratio | 97.8665% | 46 |
| Memoranda: | ||
| Average total assets | $32,779,200 | 4,997 |
| Average earning assets | $29,494,600 | 4,993 |
| Average equity | $5,891,600 | 4,771 |
| Average total loans | $6,994,400 | 5,106 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2162% | 5,087 |
| Cost of funding earning assets | 0.5686% | 3,826 |
| Net interest margin | 2.6476% | 4,969 |
| Noninterest income to average assets | 0.2402% | 4,300 |
| Noninterest expense to average assets | 1.6079% | 4,997 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.0014% | 2,977 |
| Return on assets (ROA) | 1.0014% | 3,054 |
| Pretax return on assets | 1.0014% | 3,595 |
| Return on Equity (ROE) | 5.5904% | 4,171 |
| Retained earnings to average equity (ytd only) | -1.9543% | 4,921 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.6225% | 3,384 |
| Assets per employee ($millions) | 5.3007% | 2,229 |
| Cash dividends to net income (ytd only)* | 134.9614% | 148 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6915% | 44 |
| Loan loss allowance to noncurrent loans | 2,200.0000% | 298 |
| Noncurrent assets plus other real estate owned to assets | 0.0472% | 4,482 |
| Noncurrent loans to loans | 0.2132% | 3,772 |
| Net loans and leases to total assets | 21.0791% | 5,152 |
| Net loans and leases to deposits | 25.9885% | 5,150 |
| Net loans and leases to core deposits | 26.2449% | 5,150 |
| Total domestic deposits to total assets | 81.1093% | 3,724 |
| Equity capital to assets | 18.6140% | 342 |
| Core capital (leverage) ratio | 18.1580% | 342 |
| Tier 1 risk-based capital ratio | 99.2268% | 44 |
| Total risk-based capital ratio | 100.5211% | 44 |
| Memoranda: | ||
| Average total assets | $32,754,000 | 5,074 |
| Average earning assets | $29,309,250 | 5,069 |
| Average equity | $5,867,000 | 4,838 |
| Average total loans | $6,966,500 | 5,187 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2230% | 5,148 |
| Cost of funding earning assets | 0.5728% | 3,780 |
| Net interest margin | 2.6502% | 5,041 |
| Noninterest income to average assets | 0.1754% | 4,697 |
| Noninterest expense to average assets | 1.6147% | 5,048 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.8830% | 3,346 |
| Return on assets (ROA) | 0.8830% | 3,412 |
| Pretax return on assets | 0.8830% | 3,897 |
| Return on Equity (ROE) | 4.9920% | 4,348 |
| Retained earnings to average equity (ytd only) | -6.3597% | 5,107 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6489% | 3,027 |
| Assets per employee ($millions) | 5.5767% | 1,898 |
| Cash dividends to net income (ytd only)* | 227.3973% | 62 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7346% | 37 |
| Loan loss allowance to noncurrent loans | 5,500.0000% | 131 |
| Noncurrent assets plus other real estate owned to assets | 0.0179% | 4,698 |
| Noncurrent loans to loans | 0.0861% | 4,296 |
| Net loans and leases to total assets | 19.8446% | 5,207 |
| Net loans and leases to deposits | 24.0876% | 5,207 |
| Net loans and leases to core deposits | 24.3099% | 5,204 |
| Total domestic deposits to total assets | 82.3849% | 3,408 |
| Equity capital to assets | 17.4268% | 428 |
| Core capital (leverage) ratio | 18.1912% | 325 |
| Tier 1 risk-based capital ratio | 93.7783% | 45 |
| Total risk-based capital ratio | 95.0711% | 45 |
| Memoranda: | ||
| Average total assets | $33,070,670 | 5,111 |
| Average earning assets | $28,979,330 | 5,120 |
| Average equity | $5,849,330 | 4,870 |
| Average total loans | $6,944,000 | 5,236 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3553% | 5,146 |
| Cost of funding earning assets | 0.5829% | 3,665 |
| Net interest margin | 2.7723% | 5,011 |
| Noninterest income to average assets | 0.1947% | 4,593 |
| Noninterest expense to average assets | 1.5452% | 5,137 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.0220% | 2,770 |
| Return on assets (ROA) | 1.0220% | 2,808 |
| Pretax return on assets | 1.0220% | 3,376 |
| Return on Equity (ROE) | 5.7353% | 4,107 |
| Retained earnings to average equity (ytd only) | -16.9327% | 5,232 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1896% | 3,778 |
| Assets per employee ($millions) | 5.3862% | 2,079 |
| Cash dividends to net income (ytd only)* | 395.2381% | 52 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8701% | 39 |
| Loan loss allowance to noncurrent loans | 142.8571% | 2,756 |
| Noncurrent assets plus other real estate owned to assets | 0.7148% | 1,968 |
| Noncurrent loans to loans | 3.4091% | 272 |
| Net loans and leases to total assets | 19.9462% | 5,262 |
| Net loans and leases to deposits | 24.5965% | 5,258 |
| Net loans and leases to core deposits | 24.8353% | 5,260 |
| Total domestic deposits to total assets | 81.0935% | 3,953 |
| Equity capital to assets | 17.7492% | 369 |
| Core capital (leverage) ratio | 17.3474% | 392 |
| Tier 1 risk-based capital ratio | 93.8542% | 44 |
| Total risk-based capital ratio | 95.1455% | 43 |
| Memoranda: | ||
| Average total assets | $32,876,000 | 5,165 |
| Average earning assets | $28,135,000 | 5,182 |
| Average equity | $5,858,500 | 4,909 |
| Average total loans | $6,931,000 | 5,294 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8285% | 5,283 |
| Cost of funding earning assets | 0.4105% | 3,923 |
| Net interest margin | 2.4180% | 5,245 |
| Noninterest income to average assets | 0.1656% | 4,896 |
| Noninterest expense to average assets | 1.2164% | 5,319 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.0599% | 2,761 |
| Return on assets (ROA) | 1.0599% | 2,746 |
| Pretax return on assets | 1.0599% | 3,411 |
| Return on Equity (ROE) | 5.8782% | 4,212 |
| Retained earnings to average equity (ytd only) | 0.3340% | 4,902 |
| Net charge-offs to loans | 0.2089% | 914 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 22.0000% | 1,920 |
| Efficiency ratio | 53.4392% | 4,666 |
| Assets per employee ($millions) | 6.6870% | 1,124 |
| Cash dividends to net income (ytd only)* | 94.3182% | 360 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6571% | 40 |
| Loan loss allowance to noncurrent loans | 188.5714% | 2,340 |
| Noncurrent assets plus other real estate owned to assets | 0.5234% | 2,495 |
| Noncurrent loans to loans | 2.4697% | 495 |
| Net loans and leases to total assets | 20.2064% | 5,305 |
| Net loans and leases to deposits | 24.6327% | 5,300 |
| Net loans and leases to core deposits | 24.6327% | 5,303 |
| Total domestic deposits to total assets | 82.0308% | 3,633 |
| Equity capital to assets | 17.8884% | 351 |
| Core capital (leverage) ratio | 17.8419% | 347 |
| Tier 1 risk-based capital ratio | 81.5163% | 53 |
| Total risk-based capital ratio | 82.7957% | 53 |
| Memoranda: | ||
| Average total assets | $33,211,800 | 5,202 |
| Average earning assets | $28,990,600 | 5,208 |
| Average equity | $5,988,200 | 4,900 |
| Average total loans | $7,659,000 | 5,330 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7311% | 5,367 |
| Cost of funding earning assets | 0.3549% | 4,150 |
| Net interest margin | 2.3763% | 5,328 |
| Noninterest income to average assets | 0.1649% | 4,962 |
| Noninterest expense to average assets | 1.2868% | 5,375 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.0053% | 3,060 |
| Return on assets (ROA) | 1.0053% | 3,074 |
| Pretax return on assets | 1.0053% | 3,706 |
| Return on Equity (ROE) | 5.5648% | 4,398 |
| Retained earnings to average equity (ytd only) | -1.8252% | 5,186 |
| Net charge-offs to loans | 0.2734% | 611 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 15.6273% | 2,207 |
| Efficiency ratio | 56.1404% | 4,373 |
| Assets per employee ($millions) | 6.5172% | 1,181 |
| Cash dividends to net income (ytd only)* | 132.7993% | 109 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3767% | 50 |
| Loan loss allowance to noncurrent loans | 8,250.0000% | 109 |
| Noncurrent assets plus other real estate owned to assets | 0.0123% | 4,948 |
| Noncurrent loans to loans | 0.0531% | 4,657 |
| Net loans and leases to total assets | 22.1261% | 5,368 |
| Net loans and leases to deposits | 27.0524% | 5,367 |
| Net loans and leases to core deposits | 27.0524% | 5,371 |
| Total domestic deposits to total assets | 81.7897% | 3,672 |
| Equity capital to assets | 18.0016% | 335 |
| Core capital (leverage) ratio | 17.9761% | 331 |
| Tier 1 risk-based capital ratio | 71.7052% | 58 |
| Total risk-based capital ratio | 72.9842% | 58 |
| Memoranda: | ||
| Average total assets | $33,156,000 | 5,271 |
| Average earning assets | $29,682,000 | 5,268 |
| Average equity | $5,990,000 | 4,949 |
| Average total loans | $7,802,250 | 5,397 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5721% | 5,462 |
| Cost of funding earning assets | 0.3151% | 4,312 |
| Net interest margin | 2.2570% | 5,432 |
| Noninterest income to average assets | 0.1739% | 4,952 |
| Noninterest expense to average assets | 1.2595% | 5,444 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.0196% | 2,926 |
| Return on assets (ROA) | 1.0196% | 2,935 |
| Pretax return on assets | 1.0196% | 3,601 |
| Return on Equity (ROE) | 5.6372% | 4,369 |
| Retained earnings to average equity (ytd only) | 5.6372% | 2,753 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.2632% | 4,562 |
| Assets per employee ($millions) | 6.6066% | 1,129 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4686% | 46 |
| Loan loss allowance to noncurrent loans | 1,235.7143% | 497 |
| Noncurrent assets plus other real estate owned to assets | 0.0848% | 4,586 |
| Noncurrent loans to loans | 0.3616% | 3,402 |
| Net loans and leases to total assets | 22.3928% | 5,425 |
| Net loans and leases to deposits | 27.5247% | 5,422 |
| Net loans and leases to core deposits | 27.5247% | 5,425 |
| Total domestic deposits to total assets | 81.3550% | 3,903 |
| Equity capital to assets | 18.4967% | 291 |
| Core capital (leverage) ratio | 19.0840% | 264 |
| Tier 1 risk-based capital ratio | 82.8340% | 54 |
| Total risk-based capital ratio | 84.1161% | 54 |
| Memoranda: | ||
| Average total assets | $33,346,000 | 5,332 |
| Average earning assets | $31,103,000 | 5,317 |
| Average equity | $6,031,330 | 4,997 |
| Average total loans | $7,889,670 | 5,458 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5910% | 5,516 |
| Cost of funding earning assets | 0.2950% | 4,388 |
| Net interest margin | 2.2960% | 5,473 |
| Noninterest income to average assets | 0.1791% | 4,953 |
| Noninterest expense to average assets | 1.2656% | 5,507 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.0507% | 2,646 |
| Return on assets (ROA) | 1.0507% | 2,658 |
| Pretax return on assets | 1.0507% | 3,357 |
| Return on Equity (ROE) | 5.8745% | 4,199 |
| Retained earnings to average equity (ytd only) | 5.8745% | 2,768 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.6392% | 4,722 |
| Assets per employee ($millions) | 6.4838% | 1,215 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5713% | 45 |
| Loan loss allowance to noncurrent loans | 178.3505% | 2,455 |
| Noncurrent assets plus other real estate owned to assets | 0.5984% | 2,521 |
| Noncurrent loans to loans | 2.5631% | 523 |
| Net loans and leases to total assets | 22.2801% | 5,487 |
| Net loans and leases to deposits | 27.4055% | 5,476 |
| Net loans and leases to core deposits | 27.4055% | 5,482 |
| Total domestic deposits to total assets | 81.2980% | 4,136 |
| Equity capital to assets | 18.5940% | 275 |
| Core capital (leverage) ratio | 18.3696% | 293 |
| Tier 1 risk-based capital ratio | 78.0642% | 55 |
| Total risk-based capital ratio | 79.3530% | 55 |
| Memoranda: | ||
| Average total assets | $33,502,500 | 5,384 |
| Average earning assets | $31,184,500 | 5,370 |
| Average equity | $5,992,000 | 5,058 |
| Average total loans | $7,963,000 | 5,516 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4526% | 5,565 |
| Cost of funding earning assets | 0.2163% | 4,817 |
| Net interest margin | 2.2363% | 5,523 |
| Noninterest income to average assets | 0.1878% | 5,015 |
| Noninterest expense to average assets | 1.1659% | 5,589 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.0257% | 2,133 |
| Return on assets (ROA) | 1.0257% | 2,165 |
| Pretax return on assets | 1.0257% | 3,474 |
| Return on Equity (ROE) | 5.9476% | 3,785 |
| Retained earnings to average equity (ytd only) | 5.9476% | 1,575 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.1973% | 5,018 |
| Assets per employee ($millions) | 6.9172% | 1,004 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1402% | 56 |
| Loan loss allowance to noncurrent loans | 887.1795% | 691 |
| Noncurrent assets plus other real estate owned to assets | 0.1128% | 4,568 |
| Noncurrent loans to loans | 0.4667% | 3,110 |
| Net loans and leases to total assets | 23.1626% | 5,543 |
| Net loans and leases to deposits | 28.0046% | 5,541 |
| Net loans and leases to core deposits | 28.0046% | 5,550 |
| Total domestic deposits to total assets | 82.7098% | 3,659 |
| Equity capital to assets | 17.2208% | 379 |
| Core capital (leverage) ratio | 17.8734% | 304 |
| Tier 1 risk-based capital ratio | 69.6662% | 60 |
| Total risk-based capital ratio | 70.9500% | 60 |
| Memoranda: | ||
| Average total assets | $33,537,400 | 5,439 |
| Average earning assets | $30,049,600 | 5,439 |
| Average equity | $5,783,800 | 5,135 |
| Average total loans | $9,117,400 | 5,556 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4825% | 5,623 |
| Cost of funding earning assets | 0.2035% | 4,949 |
| Net interest margin | 2.2790% | 5,582 |
| Noninterest income to average assets | 0.2044% | 4,985 |
| Noninterest expense to average assets | 1.2662% | 5,633 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.9576% | 2,732 |
| Return on assets (ROA) | 0.9576% | 2,792 |
| Pretax return on assets | 0.9576% | 3,840 |
| Return on Equity (ROE) | 5.5508% | 4,296 |
| Retained earnings to average equity (ytd only) | 5.5508% | 2,505 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.9369% | 4,620 |
| Assets per employee ($millions) | 6.5776% | 1,139 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7547% | 82 |
| Loan loss allowance to noncurrent loans | 2,883.3333% | 252 |
| Noncurrent assets plus other real estate owned to assets | 0.0365% | 5,050 |
| Noncurrent loans to loans | 0.1302% | 4,539 |
| Net loans and leases to total assets | 26.9673% | 5,550 |
| Net loans and leases to deposits | 32.9128% | 5,547 |
| Net loans and leases to core deposits | 32.9128% | 5,567 |
| Total domestic deposits to total assets | 81.9357% | 3,800 |
| Equity capital to assets | 17.8576% | 343 |
| Core capital (leverage) ratio | 17.6010% | 331 |
| Tier 1 risk-based capital ratio | 60.2961% | 85 |
| Total risk-based capital ratio | 61.5709% | 85 |
| Memoranda: | ||
| Average total assets | $33,275,250 | 5,509 |
| Average earning assets | $29,485,750 | 5,506 |
| Average equity | $5,740,750 | 5,199 |
| Average total loans | $9,307,500 | 5,614 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3997% | 5,683 |
| Cost of funding earning assets | 0.2000% | 4,985 |
| Net interest margin | 2.1997% | 5,647 |
| Noninterest income to average assets | 0.2036% | 5,029 |
| Noninterest expense to average assets | 1.3112% | 5,668 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.8682% | 3,082 |
| Return on assets (ROA) | 0.8682% | 3,132 |
| Pretax return on assets | 0.8682% | 4,047 |
| Return on Equity (ROE) | 5.0907% | 4,441 |
| Retained earnings to average equity (ytd only) | 5.0907% | 2,647 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1648% | 4,294 |
| Assets per employee ($millions) | 6.5294% | 1,138 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8173% | 72 |
| Loan loss allowance to noncurrent loans | 508.8235% | 1,016 |
| Noncurrent assets plus other real estate owned to assets | 0.2083% | 4,342 |
| Noncurrent loans to loans | 0.7502% | 2,515 |
| Net loans and leases to total assets | 26.7038% | 5,593 |
| Net loans and leases to deposits | 32.4959% | 5,597 |
| Net loans and leases to core deposits | 32.4959% | 5,618 |
| Total domestic deposits to total assets | 82.1760% | 3,836 |
| Equity capital to assets | 17.6647% | 345 |
| Core capital (leverage) ratio | 17.7237% | 314 |
| Tier 1 risk-based capital ratio | 63.6624% | 75 |
| Total risk-based capital ratio | 64.9421% | 74 |
| Memoranda: | ||
| Average total assets | $33,404,330 | 5,551 |
| Average earning assets | $30,003,670 | 5,544 |
| Average equity | $5,696,670 | 5,240 |
| Average total loans | $9,338,330 | 5,659 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3906% | 5,745 |
| Cost of funding earning assets | 0.1960% | 5,014 |
| Net interest margin | 2.1946% | 5,706 |
| Noninterest income to average assets | 0.2013% | 5,061 |
| Noninterest expense to average assets | 1.3498% | 5,720 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.8407% | 3,040 |
| Return on assets (ROA) | 0.8407% | 3,086 |
| Pretax return on assets | 0.8407% | 3,969 |
| Return on Equity (ROE) | 5.0163% | 4,385 |
| Retained earnings to average equity (ytd only) | 5.0163% | 2,887 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.6216% | 4,207 |
| Assets per employee ($millions) | 6.5260% | 1,175 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8724% | 84 |
| Loan loss allowance to noncurrent loans | 1,235.7143% | 511 |
| Noncurrent assets plus other real estate owned to assets | 0.0858% | 4,933 |
| Noncurrent loans to loans | 0.3134% | 4,001 |
| Net loans and leases to total assets | 26.3224% | 5,666 |
| Net loans and leases to deposits | 31.9353% | 5,653 |
| Net loans and leases to core deposits | 31.9353% | 5,670 |
| Total domestic deposits to total assets | 82.4241% | 4,049 |
| Equity capital to assets | 17.4594% | 344 |
| Core capital (leverage) ratio | 17.2657% | 345 |
| Tier 1 risk-based capital ratio | 61.4232% | 80 |
| Total risk-based capital ratio | 62.6954% | 80 |
| Memoranda: | ||
| Average total assets | $33,783,000 | 5,609 |
| Average earning assets | $30,620,000 | 5,603 |
| Average equity | $5,661,500 | 5,293 |
| Average total loans | $9,475,500 | 5,720 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4373% | 5,777 |
| Cost of funding earning assets | 0.2121% | 4,908 |
| Net interest margin | 2.2252% | 5,739 |
| Noninterest income to average assets | 0.2640% | 4,844 |
| Noninterest expense to average assets | 1.1652% | 5,835 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.1045% | 1,886 |
| Return on assets (ROA) | 1.1045% | 1,974 |
| Pretax return on assets | 1.1045% | 3,087 |
| Return on Equity (ROE) | 6.5334% | 3,721 |
| Retained earnings to average equity (ytd only) | 1.3103% | 4,757 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.3369% | 5,421 |
| Assets per employee ($millions) | 6.9872% | 932 |
| Cash dividends to net income (ytd only)* | 79.9451% | 905 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4545% | 115 |
| Loan loss allowance to noncurrent loans | 3,844.4444% | 193 |
| Noncurrent assets plus other real estate owned to assets | 0.0258% | 5,281 |
| Noncurrent loans to loans | 0.0899% | 4,878 |
| Net loans and leases to total assets | 27.6792% | 5,689 |
| Net loans and leases to deposits | 33.0237% | 5,696 |
| Net loans and leases to core deposits | 33.0237% | 5,722 |
| Total domestic deposits to total assets | 83.8161% | 3,494 |
| Equity capital to assets | 16.1037% | 484 |
| Core capital (leverage) ratio | 16.3627% | 415 |
| Tier 1 risk-based capital ratio | 52.0781% | 123 |
| Total risk-based capital ratio | 53.3463% | 122 |
| Memoranda: | ||
| Average total assets | $32,956,600 | 5,676 |
| Average earning assets | $29,705,600 | 5,665 |
| Average equity | $5,571,400 | 5,355 |
| Average total loans | $10,550,800 | 5,755 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5253% | 5,818 |
| Cost of funding earning assets | 0.2174% | 4,902 |
| Net interest margin | 2.3079% | 5,768 |
| Noninterest income to average assets | 0.2629% | 4,889 |
| Noninterest expense to average assets | 1.3020% | 5,867 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.0104% | 2,385 |
| Return on assets (ROA) | 1.0104% | 2,520 |
| Pretax return on assets | 1.0104% | 3,596 |
| Return on Equity (ROE) | 5.9015% | 4,116 |
| Retained earnings to average equity (ytd only) | -1.0796% | 5,503 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.3055% | 5,029 |
| Assets per employee ($millions) | 6.6154% | 1,040 |
| Cash dividends to net income (ytd only)* | 118.2932% | 241 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3514% | 131 |
| Loan loss allowance to noncurrent loans | 208.4337% | 2,178 |
| Noncurrent assets plus other real estate owned to assets | 0.5019% | 3,439 |
| Noncurrent loans to loans | 1.6079% | 1,338 |
| Net loans and leases to total assets | 30.1660% | 5,711 |
| Net loans and leases to deposits | 36.7027% | 5,714 |
| Net loans and leases to core deposits | 36.7027% | 5,743 |
| Total domestic deposits to total assets | 82.1900% | 3,882 |
| Equity capital to assets | 16.7307% | 457 |
| Core capital (leverage) ratio | 17.0158% | 366 |
| Tier 1 risk-based capital ratio | 55.5578% | 106 |
| Total risk-based capital ratio | 56.8287% | 105 |
| Memoranda: | ||
| Average total assets | $32,461,750 | 5,745 |
| Average earning assets | $28,827,500 | 5,739 |
| Average equity | $5,557,750 | 5,409 |
| Average total loans | $10,684,500 | 5,811 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5669% | 5,882 |
| Cost of funding earning assets | 0.2238% | 4,901 |
| Net interest margin | 2.3431% | 5,840 |
| Noninterest income to average assets | 0.2728% | 4,829 |
| Noninterest expense to average assets | 1.2711% | 5,957 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.0788% | 2,046 |
| Return on assets (ROA) | 1.0788% | 2,174 |
| Pretax return on assets | 1.0788% | 3,286 |
| Return on Equity (ROE) | 6.2526% | 3,932 |
| Retained earnings to average equity (ytd only) | -4.2043% | 5,708 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.0897% | 5,300 |
| Assets per employee ($millions) | 6.2510% | 1,232 |
| Cash dividends to net income (ytd only)* | 167.2414% | 168 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3186% | 144 |
| Loan loss allowance to noncurrent loans | 3,145.4545% | 220 |
| Noncurrent assets plus other real estate owned to assets | 0.0352% | 5,443 |
| Noncurrent loans to loans | 0.1055% | 5,026 |
| Net loans and leases to total assets | 32.2508% | 5,736 |
| Net loans and leases to deposits | 39.6133% | 5,704 |
| Net loans and leases to core deposits | 39.6133% | 5,759 |
| Total domestic deposits to total assets | 81.4142% | 4,159 |
| Equity capital to assets | 17.4948% | 380 |
| Core capital (leverage) ratio | 16.9225% | 373 |
| Tier 1 risk-based capital ratio | 55.5158% | 108 |
| Total risk-based capital ratio | 56.7926% | 108 |
| Memoranda: | ||
| Average total assets | $32,256,670 | 5,814 |
| Average earning assets | $28,594,670 | 5,812 |
| Average equity | $5,565,670 | 5,466 |
| Average total loans | $10,804,670 | 5,885 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5776% | 5,943 |
| Cost of funding earning assets | 0.2356% | 4,851 |
| Net interest margin | 2.3421% | 5,905 |
| Noninterest income to average assets | 0.2442% | 4,990 |
| Noninterest expense to average assets | 1.2455% | 6,025 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.0624% | 2,040 |
| Return on assets (ROA) | 1.0624% | 2,151 |
| Pretax return on assets | 1.0624% | 3,234 |
| Return on Equity (ROE) | 6.1982% | 3,879 |
| Retained earnings to average equity (ytd only) | 6.1982% | 2,278 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.9683% | 5,388 |
| Assets per employee ($millions) | 6.4266% | 1,145 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2138% | 181 |
| Loan loss allowance to noncurrent loans | 1,441.6667% | 419 |
| Noncurrent assets plus other real estate owned to assets | 0.0747% | 5,282 |
| Noncurrent loans to loans | 0.2229% | 4,627 |
| Net loans and leases to total assets | 32.4277% | 5,772 |
| Net loans and leases to deposits | 39.4249% | 5,731 |
| Net loans and leases to core deposits | 39.4249% | 5,787 |
| Total domestic deposits to total assets | 82.2519% | 4,128 |
| Equity capital to assets | 17.6392% | 361 |
| Core capital (leverage) ratio | 17.6037% | 324 |
| Tier 1 risk-based capital ratio | 54.7263% | 112 |
| Total risk-based capital ratio | 55.9977% | 111 |
| Memoranda: | ||
| Average total assets | $32,757,500 | 5,865 |
| Average earning assets | $28,863,500 | 5,866 |
| Average equity | $5,614,500 | 5,491 |
| Average total loans | $10,994,000 | 5,937 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5273% | 5,987 |
| Cost of funding earning assets | 0.2330% | 4,977 |
| Net interest margin | 2.2942% | 5,947 |
| Noninterest income to average assets | 0.2852% | 4,849 |
| Noninterest expense to average assets | 1.3042% | 6,074 |
| Loan and lease loss provision to assets | 0.0267% | 3,854 |
| Net operating income to assets | 1.0309% | 2,208 |
| Return on assets (ROA) | 1.0309% | 2,295 |
| Pretax return on assets | 1.0309% | 3,347 |
| Return on Equity (ROE) | 6.3726% | 3,856 |
| Retained earnings to average equity (ytd only) | 1.7998% | 4,705 |
| Net charge-offs to loans | 0.0088% | 4,148 |
| Credit loss provision to net charge-offs | 900.0000% | 374 |
| Earnings coverage of net charge-offs (x) | 356.0000% | 189 |
| Efficiency ratio | 55.2201% | 5,419 |
| Assets per employee ($millions) | 6.6764% | 1,015 |
| Cash dividends to net income (ytd only)* | 71.7579% | 1,171 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0832% | 205 |
| Loan loss allowance to noncurrent loans | 427.1605% | 1,204 |
| Noncurrent assets plus other real estate owned to assets | 0.2426% | 4,626 |
| Noncurrent loans to loans | 0.7218% | 3,019 |
| Net loans and leases to total assets | 32.5804% | 5,823 |
| Net loans and leases to deposits | 39.1350% | 5,802 |
| Net loans and leases to core deposits | 39.1350% | 5,848 |
| Total domestic deposits to total assets | 83.2515% | 3,754 |
| Equity capital to assets | 16.6587% | 444 |
| Core capital (leverage) ratio | 20.5181% | 179 |
| Tier 1 risk-based capital ratio | 49.7313% | 128 |
| Total risk-based capital ratio | 51.0032% | 125 |
| Memoranda: | ||
| Average total assets | $33,660,600 | 5,901 |
| Average earning assets | $30,467,800 | 5,895 |
| Average equity | $5,445,200 | 5,552 |
| Average total loans | $11,382,400 | 5,986 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4962% | 6,093 |
| Cost of funding earning assets | 0.2340% | 5,055 |
| Net interest margin | 2.2622% | 6,055 |
| Noninterest income to average assets | 0.2846% | 4,911 |
| Noninterest expense to average assets | 1.3874% | 6,110 |
| Loan and lease loss provision to assets | 0.0356% | 3,509 |
| Net operating income to assets | 0.9250% | 2,832 |
| Return on assets (ROA) | 0.9250% | 2,920 |
| Pretax return on assets | 0.9250% | 3,898 |
| Return on Equity (ROE) | 5.7603% | 4,270 |
| Retained earnings to average equity (ytd only) | -0.3693% | 5,669 |
| Net charge-offs to loans | 0.0234% | 3,470 |
| Credit loss provision to net charge-offs | 450.0000% | 700 |
| Earnings coverage of net charge-offs (x) | 121.3446% | 528 |
| Efficiency ratio | 59.0909% | 4,998 |
| Assets per employee ($millions) | 6.5898% | 1,032 |
| Cash dividends to net income (ytd only)* | 106.4105% | 303 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9573% | 257 |
| Loan loss allowance to noncurrent loans | 402.3256% | 1,251 |
| Noncurrent assets plus other real estate owned to assets | 0.2610% | 4,726 |
| Noncurrent loans to loans | 0.7350% | 3,130 |
| Net loans and leases to total assets | 34.4593% | 5,841 |
| Net loans and leases to deposits | 41.4440% | 5,822 |
| Net loans and leases to core deposits | 41.4440% | 5,870 |
| Total domestic deposits to total assets | 83.1467% | 3,754 |
| Equity capital to assets | 16.6378% | 475 |
| Core capital (leverage) ratio | 16.3304% | 447 |
| Tier 1 risk-based capital ratio | 48.7147% | 147 |
| Total risk-based capital ratio | 49.9866% | 143 |
| Memoranda: | ||
| Average total assets | $33,730,250 | 5,977 |
| Average earning assets | $30,766,250 | 5,966 |
| Average equity | $5,416,250 | 5,627 |
| Average total loans | $11,422,500 | 6,060 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4342% | 6,185 |
| Cost of funding earning assets | 0.2331% | 5,114 |
| Net interest margin | 2.2011% | 6,145 |
| Noninterest income to average assets | 0.2707% | 5,020 |
| Noninterest expense to average assets | 1.3533% | 6,196 |
| Loan and lease loss provision to assets | 0.0353% | 3,420 |
| Net operating income to assets | 0.8826% | 2,976 |
| Return on assets (ROA) | 0.8826% | 3,089 |
| Pretax return on assets | 0.8826% | 4,018 |
| Return on Equity (ROE) | 5.5614% | 4,347 |
| Retained earnings to average equity (ytd only) | -3.6705% | 5,955 |
| Net charge-offs to loans | 0.0177% | 3,348 |
| Credit loss provision to net charge-offs | 600.0000% | 547 |
| Earnings coverage of net charge-offs (x) | 156.0000% | 421 |
| Efficiency ratio | 59.5855% | 5,037 |
| Assets per employee ($millions) | 5.5860% | 1,670 |
| Cash dividends to net income (ytd only)* | 166.0000% | 153 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0651% | 253 |
| Loan loss allowance to noncurrent loans | 3,127.2727% | 213 |
| Noncurrent assets plus other real estate owned to assets | 0.0328% | 5,736 |
| Noncurrent loans to loans | 0.0980% | 5,347 |
| Net loans and leases to total assets | 32.4591% | 5,948 |
| Net loans and leases to deposits | 38.7567% | 5,946 |
| Net loans and leases to core deposits | 38.7567% | 5,997 |
| Total domestic deposits to total assets | 83.7510% | 3,667 |
| Equity capital to assets | 16.0849% | 522 |
| Core capital (leverage) ratio | 16.1073% | 451 |
| Tier 1 risk-based capital ratio | 51.7038% | 133 |
| Total risk-based capital ratio | 52.9781% | 132 |
| Memoranda: | ||
| Average total assets | $33,990,670 | 6,036 |
| Average earning assets | $30,893,330 | 6,029 |
| Average equity | $5,394,330 | 5,683 |
| Average total loans | $11,330,000 | 6,132 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4381% | 6,246 |
| Cost of funding earning assets | 0.2334% | 5,182 |
| Net interest margin | 2.2046% | 6,207 |
| Noninterest income to average assets | 0.2454% | 5,211 |
| Noninterest expense to average assets | 1.3206% | 6,275 |
| Loan and lease loss provision to assets | 0.0351% | 3,202 |
| Net operating income to assets | 0.8765% | 2,862 |
| Return on assets (ROA) | 0.8765% | 2,990 |
| Pretax return on assets | 0.8765% | 3,978 |
| Return on Equity (ROE) | 5.5597% | 4,251 |
| Retained earnings to average equity (ytd only) | -12.8984% | 6,195 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.1623% | 5,201 |
| Assets per employee ($millions) | 6.5496% | 1,050 |
| Cash dividends to net income (ytd only)* | 332.0000% | 88 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0444% | 285 |
| Loan loss allowance to noncurrent loans | 1,894.4444% | 319 |
| Noncurrent assets plus other real estate owned to assets | 0.0550% | 5,713 |
| Noncurrent loans to loans | 0.1607% | 5,196 |
| Net loans and leases to total assets | 33.1623% | 5,957 |
| Net loans and leases to deposits | 40.0251% | 5,910 |
| Net loans and leases to core deposits | 40.4003% | 5,962 |
| Total domestic deposits to total assets | 82.8539% | 4,217 |
| Equity capital to assets | 16.2666% | 512 |
| Core capital (leverage) ratio | 16.0734% | 453 |
| Tier 1 risk-based capital ratio | 51.5779% | 143 |
| Total risk-based capital ratio | 52.8481% | 143 |
| Memoranda: | ||
| Average total assets | $34,228,000 | 6,093 |
| Average earning assets | $30,844,000 | 6,095 |
| Average equity | $5,396,000 | 5,736 |
| Average total loans | $11,383,500 | 6,196 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6323% | 6,291 |
| Cost of funding earning assets | 0.2393% | 5,429 |
| Net interest margin | 2.3930% | 6,230 |
| Noninterest income to average assets | 0.3309% | 4,748 |
| Noninterest expense to average assets | 1.4627% | 6,316 |
| Loan and lease loss provision to assets | 0.0093% | 4,442 |
| Net operating income to assets | 1.0236% | 2,285 |
| Return on assets (ROA) | 1.0236% | 2,356 |
| Pretax return on assets | 1.0236% | 3,410 |
| Return on Equity (ROE) | 6.2015% | 4,052 |
| Retained earnings to average equity (ytd only) | 0.7494% | 5,432 |
| Net charge-offs to loans | 0.0177% | 4,507 |
| Credit loss provision to net charge-offs | 150.0000% | 1,606 |
| Earnings coverage of net charge-offs (x) | 167.0000% | 320 |
| Efficiency ratio | 58.6121% | 5,389 |
| Assets per employee ($millions) | 7.1416% | 787 |
| Cash dividends to net income (ytd only)* | 87.9154% | 637 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9224% | 325 |
| Loan loss allowance to noncurrent loans | 689.7959% | 826 |
| Noncurrent assets plus other real estate owned to assets | 0.1372% | 5,488 |
| Noncurrent loans to loans | 0.4237% | 4,369 |
| Net loans and leases to total assets | 31.4439% | 6,134 |
| Net loans and leases to deposits | 37.1616% | 6,128 |
| Net loans and leases to core deposits | 37.4741% | 6,168 |
| Total domestic deposits to total assets | 84.6141% | 3,449 |
| Equity capital to assets | 15.3047% | 648 |
| Core capital (leverage) ratio | 15.4566% | 541 |
| Tier 1 risk-based capital ratio | 51.2353% | 127 |
| Total risk-based capital ratio | 52.5129% | 126 |
| Memoranda: | ||
| Average total assets | $32,338,000 | 6,208 |
| Average earning assets | $29,251,800 | 6,196 |
| Average equity | $5,337,400 | 5,782 |
| Average total loans | $11,299,600 | 6,273 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6607% | 6,354 |
| Cost of funding earning assets | 0.2377% | 5,537 |
| Net interest margin | 2.4231% | 6,282 |
| Noninterest income to average assets | 0.3429% | 4,696 |
| Noninterest expense to average assets | 1.5875% | 6,298 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.9567% | 2,656 |
| Return on assets (ROA) | 0.9567% | 2,732 |
| Pretax return on assets | 0.9567% | 3,771 |
| Return on Equity (ROE) | 5.6796% | 4,405 |
| Retained earnings to average equity (ytd only) | -1.6334% | 6,042 |
| Net charge-offs to loans | 0.0118% | 4,326 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 226.5639% | 290 |
| Efficiency ratio | 62.3960% | 4,828 |
| Assets per employee ($millions) | 6.6678% | 931 |
| Cash dividends to net income (ytd only)* | 128.7592% | 193 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8436% | 424 |
| Loan loss allowance to noncurrent loans | 1,982.3529% | 306 |
| Noncurrent assets plus other real estate owned to assets | 0.0510% | 5,949 |
| Noncurrent loans to loans | 0.1434% | 5,485 |
| Net loans and leases to total assets | 34.5361% | 6,096 |
| Net loans and leases to deposits | 41.2437% | 6,080 |
| Net loans and leases to core deposits | 41.6194% | 6,132 |
| Total domestic deposits to total assets | 83.7368% | 3,861 |
| Equity capital to assets | 16.0503% | 555 |
| Core capital (leverage) ratio | 16.5179% | 420 |
| Tier 1 risk-based capital ratio | 50.2726% | 130 |
| Total risk-based capital ratio | 51.5508% | 128 |
| Memoranda: | ||
| Average total assets | $31,495,500 | 6,299 |
| Average earning assets | $28,613,250 | 6,282 |
| Average equity | $5,305,500 | 5,844 |
| Average total loans | $11,233,000 | 6,345 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6532% | 6,420 |
| Cost of funding earning assets | 0.2418% | 5,564 |
| Net interest margin | 2.4114% | 6,347 |
| Noninterest income to average assets | 0.3433% | 4,674 |
| Noninterest expense to average assets | 1.7033% | 6,263 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.8355% | 3,148 |
| Return on assets (ROA) | 0.8355% | 3,243 |
| Pretax return on assets | 0.8355% | 4,141 |
| Return on Equity (ROE) | 4.8768% | 4,735 |
| Retained earnings to average equity (ytd only) | -6.1244% | 6,300 |
| Net charge-offs to loans | 0.0363% | 3,493 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 64.5000% | 770 |
| Efficiency ratio | 67.0918% | 4,185 |
| Assets per employee ($millions) | 6.1440% | 1,204 |
| Cash dividends to net income (ytd only)* | 225.5814% | 98 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9685% | 394 |
| Loan loss allowance to noncurrent loans | 4,200.0000% | 153 |
| Noncurrent assets plus other real estate owned to assets | 0.0260% | 6,139 |
| Noncurrent loans to loans | 0.0707% | 5,811 |
| Net loans and leases to total assets | 35.7520% | 6,062 |
| Net loans and leases to deposits | 43.2316% | 6,013 |
| Net loans and leases to core deposits | 43.6648% | 6,078 |
| Total domestic deposits to total assets | 82.6986% | 4,416 |
| Equity capital to assets | 17.1322% | 398 |
| Core capital (leverage) ratio | 17.7980% | 306 |
| Tier 1 risk-based capital ratio | 51.8511% | 124 |
| Total risk-based capital ratio | 53.1247% | 124 |
| Memoranda: | ||
| Average total assets | $30,881,000 | 6,368 |
| Average earning assets | $28,117,000 | 6,351 |
| Average equity | $5,290,330 | 5,890 |
| Average total loans | $11,027,000 | 6,411 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5296% | 6,542 |
| Cost of funding earning assets | 0.2248% | 5,800 |
| Net interest margin | 2.3047% | 6,469 |
| Noninterest income to average assets | 0.3230% | 4,782 |
| Noninterest expense to average assets | 1.7183% | 6,325 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.7235% | 3,569 |
| Return on assets (ROA) | 0.7235% | 3,654 |
| Pretax return on assets | 0.7235% | 4,407 |
| Return on Equity (ROE) | 4.2232% | 4,919 |
| Retained earnings to average equity (ytd only) | -17.7225% | 6,504 |
| Net charge-offs to loans | 0.0735% | 2,411 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 28.0000% | 1,093 |
| Efficiency ratio | 70.3704% | 3,762 |
| Assets per employee ($millions) | 5.6718% | 1,560 |
| Cash dividends to net income (ytd only)* | 519.6429% | 44 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1120% | 388 |
| Loan loss allowance to noncurrent loans | 6,720.0000% | 99 |
| Noncurrent assets plus other real estate owned to assets | 0.0176% | 6,257 |
| Noncurrent loans to loans | 0.0463% | 6,010 |
| Net loans and leases to total assets | 36.8878% | 6,025 |
| Net loans and leases to deposits | 45.7952% | 5,865 |
| Net loans and leases to core deposits | 46.3020% | 5,973 |
| Total domestic deposits to total assets | 80.5494% | 5,371 |
| Equity capital to assets | 18.2764% | 307 |
| Core capital (leverage) ratio | 17.2933% | 339 |
| Tier 1 risk-based capital ratio | 52.3554% | 117 |
| Total risk-based capital ratio | 53.6292% | 118 |
| Memoranda: | ||
| Average total assets | $30,961,500 | 6,437 |
| Average earning assets | $28,463,500 | 6,410 |
| Average equity | $5,304,000 | 5,926 |
| Average total loans | $10,881,000 | 6,489 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5285% | 6,607 |
| Cost of funding earning assets | 0.2491% | 5,969 |
| Net interest margin | 2.2794% | 6,534 |
| Noninterest income to average assets | 0.3402% | 4,885 |
| Noninterest expense to average assets | 1.4689% | 6,589 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.9952% | 2,344 |
| Return on assets (ROA) | 1.0715% | 2,115 |
| Pretax return on assets | 1.0715% | 3,062 |
| Return on Equity (ROE) | 6.3650% | 3,890 |
| Retained earnings to average equity (ytd only) | 6.3650% | 1,763 |
| Net charge-offs to loans | -0.0095% | 6,010 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6129% | 5,520 |
| Assets per employee ($millions) | 5.5940% | 1,571 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0825% | 427 |
| Loan loss allowance to noncurrent loans | 6,760.0000% | 111 |
| Noncurrent assets plus other real estate owned to assets | 0.0149% | 6,372 |
| Noncurrent loans to loans | 0.0456% | 6,101 |
| Net loans and leases to total assets | 31.6619% | 6,405 |
| Net loans and leases to deposits | 37.8024% | 6,374 |
| Net loans and leases to core deposits | 38.1416% | 6,413 |
| Total domestic deposits to total assets | 83.7564% | 4,263 |
| Equity capital to assets | 16.1632% | 502 |
| Core capital (leverage) ratio | 16.9102% | 381 |
| Tier 1 risk-based capital ratio | 52.3492% | 117 |
| Total risk-based capital ratio | 53.6253% | 115 |
| Memoranda: | ||
| Average total assets | $31,452,000 | 6,495 |
| Average earning assets | $29,306,000 | 6,463 |
| Average equity | $5,294,600 | 5,993 |
| Average total loans | $10,521,600 | 6,567 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5610% | 6,677 |
| Cost of funding earning assets | 0.2570% | 6,033 |
| Net interest margin | 2.3040% | 6,586 |
| Noninterest income to average assets | 0.3622% | 4,800 |
| Noninterest expense to average assets | 1.5134% | 6,630 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.0132% | 2,326 |
| Return on assets (ROA) | 1.1167% | 2,016 |
| Pretax return on assets | 1.1167% | 3,038 |
| Return on Equity (ROE) | 6.5625% | 3,892 |
| Retained earnings to average equity (ytd only) | 6.5625% | 2,097 |
| Net charge-offs to loans | -0.0896% | 6,466 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8976% | 5,450 |
| Assets per employee ($millions) | 5.1357% | 2,010 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1179% | 488 |
| Loan loss allowance to noncurrent loans | 1,376.0000% | 360 |
| Noncurrent assets plus other real estate owned to assets | 0.0811% | 6,194 |
| Noncurrent loans to loans | 0.2266% | 5,668 |
| Net loans and leases to total assets | 34.6888% | 6,333 |
| Net loans and leases to deposits | 42.0827% | 6,299 |
| Net loans and leases to core deposits | 42.5010% | 6,372 |
| Total domestic deposits to total assets | 82.4301% | 4,786 |
| Equity capital to assets | 17.3428% | 379 |
| Core capital (leverage) ratio | 17.6368% | 330 |
| Tier 1 risk-based capital ratio | 51.5805% | 123 |
| Total risk-based capital ratio | 52.8565% | 124 |
| Memoranda: | ||
| Average total assets | $30,924,000 | 6,573 |
| Average earning assets | $29,050,750 | 6,539 |
| Average equity | $5,262,000 | 6,070 |
| Average total loans | $10,410,750 | 6,645 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5253% | 6,723 |
| Cost of funding earning assets | 0.2615% | 6,096 |
| Net interest margin | 2.2639% | 6,647 |
| Noninterest income to average assets | 0.3876% | 4,614 |
| Noninterest expense to average assets | 1.5439% | 6,645 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.9690% | 2,471 |
| Return on assets (ROA) | 0.9690% | 2,614 |
| Pretax return on assets | 0.9690% | 3,641 |
| Return on Equity (ROE) | 5.7310% | 4,328 |
| Retained earnings to average equity (ytd only) | 5.7310% | 2,593 |
| Net charge-offs to loans | -0.1372% | 6,574 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4396% | 5,254 |
| Assets per employee ($millions) | 4.8435% | 2,309 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3204% | 430 |
| Loan loss allowance to noncurrent loans | 4,900.0000% | 135 |
| Noncurrent assets plus other real estate owned to assets | 0.0241% | 6,465 |
| Noncurrent loans to loans | 0.0678% | 6,191 |
| Net loans and leases to total assets | 34.3656% | 6,393 |
| Net loans and leases to deposits | 42.1286% | 6,322 |
| Net loans and leases to core deposits | 43.5050% | 6,351 |
| Total domestic deposits to total assets | 81.5732% | 5,190 |
| Equity capital to assets | 18.2409% | 307 |
| Core capital (leverage) ratio | 17.2741% | 345 |
| Tier 1 risk-based capital ratio | 37.5818% | 276 |
| Total risk-based capital ratio | 38.8470% | 272 |
| Memoranda: | ||
| Average total assets | $30,960,670 | 6,621 |
| Average earning assets | $29,065,330 | 6,586 |
| Average equity | $5,234,670 | 6,117 |
| Average total loans | $10,203,330 | 6,693 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4697% | 6,822 |
| Cost of funding earning assets | 0.2670% | 6,180 |
| Net interest margin | 2.2027% | 6,752 |
| Noninterest income to average assets | 0.4011% | 4,446 |
| Noninterest expense to average assets | 1.4541% | 6,779 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.0153% | 2,161 |
| Return on assets (ROA) | 1.0153% | 2,278 |
| Pretax return on assets | 1.0153% | 3,278 |
| Return on Equity (ROE) | 6.2290% | 3,922 |
| Retained earnings to average equity (ytd only) | 6.2290% | 2,549 |
| Net charge-offs to loans | -0.2761% | 6,754 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.8832% | 5,731 |
| Assets per employee ($millions) | 4.9823% | 2,235 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4140% | 455 |
| Loan loss allowance to noncurrent loans | 2,017.6471% | 256 |
| Noncurrent assets plus other real estate owned to assets | 0.0569% | 6,433 |
| Noncurrent loans to loans | 0.1692% | 5,977 |
| Net loans and leases to total assets | 32.4614% | 6,489 |
| Net loans and leases to deposits | 39.4135% | 6,445 |
| Net loans and leases to core deposits | 40.2305% | 6,470 |
| Total domestic deposits to total assets | 82.3610% | 5,071 |
| Equity capital to assets | 17.4985% | 371 |
| Core capital (leverage) ratio | 16.7467% | 380 |
| Tier 1 risk-based capital ratio | 38.5662% | 258 |
| Total risk-based capital ratio | 39.8296% | 252 |
| Memoranda: | ||
| Average total assets | $31,910,500 | 6,670 |
| Average earning assets | $29,963,500 | 6,619 |
| Average equity | $5,201,500 | 6,185 |
| Average total loans | $10,140,000 | 6,763 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7740% | 6,864 |
| Cost of funding earning assets | 0.3829% | 6,030 |
| Net interest margin | 2.3911% | 6,785 |
| Noninterest income to average assets | 0.3082% | 5,247 |
| Noninterest expense to average assets | 1.5893% | 6,817 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.9245% | 2,682 |
| Return on assets (ROA) | 0.9245% | 2,927 |
| Pretax return on assets | 0.9245% | 3,831 |
| Return on Equity (ROE) | 5.2806% | 4,549 |
| Retained earnings to average equity (ytd only) | 1.1669% | 5,288 |
| Net charge-offs to loans | -0.0304% | 6,615 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2231% | 5,033 |
| Assets per employee ($millions) | 5.6545% | 1,561 |
| Cash dividends to net income (ytd only)* | 77.9026% | 1,080 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2835% | 514 |
| Loan loss allowance to noncurrent loans | 4,800.0000% | 143 |
| Noncurrent assets plus other real estate owned to assets | 0.0206% | 6,616 |
| Noncurrent loans to loans | 0.0684% | 6,319 |
| Net loans and leases to total assets | 29.1715% | 6,724 |
| Net loans and leases to deposits | 34.4615% | 6,729 |
| Net loans and leases to core deposits | 35.0721% | 6,744 |
| Total domestic deposits to total assets | 84.6494% | 4,015 |
| Equity capital to assets | 15.2445% | 691 |
| Core capital (leverage) ratio | 16.5639% | 393 |
| Tier 1 risk-based capital ratio | 43.6030% | 184 |
| Total risk-based capital ratio | 44.8738% | 182 |
| Memoranda: | ||
| Average total assets | $28,880,200 | 6,780 |
| Average earning assets | $26,640,200 | 6,749 |
| Average equity | $5,056,200 | 6,274 |
| Average total loans | $9,852,800 | 6,853 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9095% | 6,929 |
| Cost of funding earning assets | 0.4239% | 5,962 |
| Net interest margin | 2.4856% | 6,834 |
| Noninterest income to average assets | 0.3283% | 5,170 |
| Noninterest expense to average assets | 1.7234% | 6,762 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.8979% | 2,992 |
| Return on assets (ROA) | 0.8979% | 3,222 |
| Pretax return on assets | 0.8979% | 4,108 |
| Return on Equity (ROE) | 4.9329% | 4,851 |
| Retained earnings to average equity (ytd only) | -0.5834% | 6,195 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7459% | 4,496 |
| Assets per employee ($millions) | 4.6307% | 2,701 |
| Cash dividends to net income (ytd only)* | 111.8311% | 237 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3019% | 550 |
| Loan loss allowance to noncurrent loans | 812.1951% | 518 |
| Noncurrent assets plus other real estate owned to assets | 0.1476% | 6,345 |
| Noncurrent loans to loans | 0.4065% | 5,639 |
| Net loans and leases to total assets | 35.0993% | 6,607 |
| Net loans and leases to deposits | 43.0400% | 6,554 |
| Net loans and leases to core deposits | 44.0112% | 6,595 |
| Total domestic deposits to total assets | 81.5505% | 5,174 |
| Equity capital to assets | 18.1651% | 348 |
| Core capital (leverage) ratio | 18.1736% | 291 |
| Tier 1 risk-based capital ratio | 45.9452% | 169 |
| Total risk-based capital ratio | 47.2140% | 168 |
| Memoranda: | ||
| Average total assets | $27,618,500 | 6,900 |
| Average earning assets | $25,479,250 | 6,857 |
| Average equity | $5,027,250 | 6,354 |
| Average total loans | $9,757,750 | 6,948 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8284% | 7,035 |
| Cost of funding earning assets | 0.4623% | 5,890 |
| Net interest margin | 2.3662% | 6,979 |
| Noninterest income to average assets | 0.3338% | 5,160 |
| Noninterest expense to average assets | 1.7124% | 6,830 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.8127% | 3,344 |
| Return on assets (ROA) | 0.8127% | 3,600 |
| Pretax return on assets | 0.8127% | 4,434 |
| Return on Equity (ROE) | 4.4616% | 5,055 |
| Retained earnings to average equity (ytd only) | -3.8242% | 6,540 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8161% | 4,161 |
| Assets per employee ($millions) | 4.5720% | 2,770 |
| Cash dividends to net income (ytd only)* | 185.7143% | 101 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2766% | 605 |
| Loan loss allowance to noncurrent loans | 853.8462% | 475 |
| Noncurrent assets plus other real estate owned to assets | 0.1422% | 6,432 |
| Noncurrent loans to loans | 0.3837% | 5,767 |
| Net loans and leases to total assets | 35.8341% | 6,616 |
| Net loans and leases to deposits | 43.8213% | 6,564 |
| Net loans and leases to core deposits | 44.8204% | 6,629 |
| Total domestic deposits to total assets | 81.7731% | 5,209 |
| Equity capital to assets | 17.9863% | 344 |
| Core capital (leverage) ratio | 17.4019% | 334 |
| Tier 1 risk-based capital ratio | 43.7328% | 184 |
| Total risk-based capital ratio | 45.0031% | 182 |
| Memoranda: | ||
| Average total assets | $27,563,330 | 6,959 |
| Average earning assets | $25,526,670 | 6,914 |
| Average equity | $5,020,670 | 6,387 |
| Average total loans | $9,648,670 | 7,010 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7489% | 7,130 |
| Cost of funding earning assets | 0.4529% | 6,130 |
| Net interest margin | 2.2959% | 7,058 |
| Noninterest income to average assets | 0.3040% | 5,446 |
| Noninterest expense to average assets | 1.7518% | 6,854 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.6804% | 3,976 |
| Return on assets (ROA) | 0.6804% | 4,194 |
| Pretax return on assets | 0.6804% | 4,861 |
| Return on Equity (ROE) | 3.7125% | 5,422 |
| Retained earnings to average equity (ytd only) | 3.7125% | 4,360 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0238% | 3,440 |
| Assets per employee ($millions) | 4.5983% | 2,808 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5795% | 512 |
| Loan loss allowance to noncurrent loans | 504.5455% | 678 |
| Noncurrent assets plus other real estate owned to assets | 0.2392% | 6,289 |
| Noncurrent loans to loans | 0.7094% | 5,245 |
| Net loans and leases to total assets | 32.5118% | 6,802 |
| Net loans and leases to deposits | 39.9483% | 6,738 |
| Net loans and leases to core deposits | 39.9483% | 6,817 |
| Total domestic deposits to total assets | 81.3846% | 5,499 |
| Equity capital to assets | 18.4342% | 310 |
| Core capital (leverage) ratio | 18.8697% | 247 |
| Tier 1 risk-based capital ratio | 52.5797% | 120 |
| Total risk-based capital ratio | 53.8565% | 118 |
| Memoranda: | ||
| Average total assets | $27,629,000 | 7,011 |
| Average earning assets | $25,610,500 | 6,966 |
| Average equity | $5,064,000 | 6,409 |
| Average total loans | $9,391,500 | 7,087 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2513% | 7,105 |
| Cost of funding earning assets | 0.6564% | 5,789 |
| Net interest margin | 2.5950% | 7,005 |
| Noninterest income to average assets | 0.3764% | 4,816 |
| Noninterest expense to average assets | 1.7985% | 6,954 |
| Loan and lease loss provision to assets | 0.0228% | 6,292 |
| Net operating income to assets | 0.8251% | 2,929 |
| Return on assets (ROA) | 0.8251% | 3,095 |
| Pretax return on assets | 0.8251% | 3,889 |
| Return on Equity (ROE) | 4.2787% | 4,728 |
| Retained earnings to average equity (ytd only) | -2.2675% | 6,183 |
| Net charge-offs to loans | -0.0559% | 7,069 |
| Credit loss provision to net charge-offs | -120.0000% | 6,710 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9598% | 4,368 |
| Assets per employee ($millions) | 5.5336% | 1,602 |
| Cash dividends to net income (ytd only)* | 152.9954% | 144 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5127% | 529 |
| Loan loss allowance to noncurrent loans | 1,958.8235% | 233 |
| Noncurrent assets plus other real estate owned to assets | 0.0614% | 6,797 |
| Noncurrent loans to loans | 0.1793% | 6,387 |
| Net loans and leases to total assets | 33.0599% | 6,908 |
| Net loans and leases to deposits | 40.5021% | 6,856 |
| Net loans and leases to core deposits | 40.5021% | 6,931 |
| Total domestic deposits to total assets | 81.6250% | 5,259 |
| Equity capital to assets | 18.2232% | 335 |
| Core capital (leverage) ratio | 18.2023% | 288 |
| Tier 1 risk-based capital ratio | 54.3426% | 115 |
| Total risk-based capital ratio | 55.6205% | 115 |
| Memoranda: | ||
| Average total assets | $26,300,000 | 7,066 |
| Average earning assets | $23,006,000 | 7,079 |
| Average equity | $5,071,600 | 6,421 |
| Average total loans | $8,945,800 | 7,148 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4402% | 7,113 |
| Cost of funding earning assets | 0.7037% | 5,741 |
| Net interest margin | 2.7365% | 6,959 |
| Noninterest income to average assets | 0.3647% | 4,951 |
| Noninterest expense to average assets | 1.8799% | 6,875 |
| Loan and lease loss provision to assets | 0.0308% | 6,054 |
| Net operating income to assets | 0.7910% | 3,210 |
| Return on assets (ROA) | 0.7910% | 3,374 |
| Pretax return on assets | 0.7910% | 4,165 |
| Return on Equity (ROE) | 4.0427% | 4,973 |
| Retained earnings to average equity (ytd only) | -4.6728% | 6,571 |
| Net charge-offs to loans | -0.0454% | 7,036 |
| Credit loss provision to net charge-offs | -200.0000% | 6,575 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5817% | 4,025 |
| Assets per employee ($millions) | 5.2656% | 1,852 |
| Cash dividends to net income (ytd only)* | 215.5847% | 52 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5469% | 544 |
| Loan loss allowance to noncurrent loans | 1,655.0000% | 240 |
| Noncurrent assets plus other real estate owned to assets | 0.0760% | 6,868 |
| Noncurrent loans to loans | 0.2143% | 6,446 |
| Net loans and leases to total assets | 34.1879% | 6,944 |
| Net loans and leases to deposits | 42.3736% | 6,894 |
| Net loans and leases to core deposits | 42.3736% | 6,974 |
| Total domestic deposits to total assets | 80.6822% | 5,537 |
| Equity capital to assets | 18.9380% | 322 |
| Core capital (leverage) ratio | 18.6922% | 275 |
| Tier 1 risk-based capital ratio | 50.2485% | 149 |
| Total risk-based capital ratio | 51.5265% | 147 |
| Memoranda: | ||
| Average total assets | $25,958,000 | 7,144 |
| Average earning assets | $22,169,000 | 7,174 |
| Average equity | $5,079,000 | 6,473 |
| Average total loans | $8,812,250 | 7,223 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4887% | 7,164 |
| Cost of funding earning assets | 0.7032% | 5,940 |
| Net interest margin | 2.7855% | 6,940 |
| Noninterest income to average assets | 0.3793% | 4,851 |
| Noninterest expense to average assets | 1.8580% | 7,001 |
| Loan and lease loss provision to assets | 0.0464% | 5,726 |
| Net operating income to assets | 0.8361% | 2,920 |
| Return on assets (ROA) | 0.8361% | 3,028 |
| Pretax return on assets | 0.8361% | 3,881 |
| Return on Equity (ROE) | 4.2270% | 4,822 |
| Retained earnings to average equity (ytd only) | -8.7671% | 6,814 |
| Net charge-offs to loans | 0.0232% | 5,513 |
| Credit loss provision to net charge-offs | 600.0000% | 513 |
| Earnings coverage of net charge-offs (x) | 114.0000% | 312 |
| Efficiency ratio | 67.7966% | 4,554 |
| Assets per employee ($millions) | 5.2554% | 1,815 |
| Cash dividends to net income (ytd only)* | 307.4074% | 51 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6489% | 534 |
| Loan loss allowance to noncurrent loans | 5,466.6667% | 92 |
| Noncurrent assets plus other real estate owned to assets | 0.0228% | 7,050 |
| Noncurrent loans to loans | 0.0667% | 6,815 |
| Net loans and leases to total assets | 32.9604% | 7,077 |
| Net loans and leases to deposits | 40.7212% | 7,042 |
| Net loans and leases to core deposits | 40.7212% | 7,112 |
| Total domestic deposits to total assets | 80.9415% | 5,544 |
| Equity capital to assets | 18.7655% | 331 |
| Core capital (leverage) ratio | 19.9748% | 226 |
| Tier 1 risk-based capital ratio | 50.3849% | 146 |
| Total risk-based capital ratio | 51.6576% | 146 |
| Memoranda: | ||
| Average total assets | $25,834,670 | 7,216 |
| Average earning assets | $21,899,000 | 7,249 |
| Average equity | $5,110,000 | 6,499 |
| Average total loans | $8,639,000 | 7,295 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5293% | 7,194 |
| Cost of funding earning assets | 0.7169% | 6,043 |
| Net interest margin | 2.8124% | 6,886 |
| Noninterest income to average assets | 0.3280% | 5,285 |
| Noninterest expense to average assets | 1.8896% | 7,005 |
| Loan and lease loss provision to assets | 0.0469% | 5,415 |
| Net operating income to assets | 0.7808% | 3,118 |
| Return on assets (ROA) | 0.7808% | 3,190 |
| Pretax return on assets | 0.7808% | 3,968 |
| Return on Equity (ROE) | 3.8465% | 4,983 |
| Retained earnings to average equity (ytd only) | 3.8465% | 3,866 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5402% | 4,367 |
| Assets per employee ($millions) | 4.9394% | 2,245 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8717% | 467 |
| Loan loss allowance to noncurrent loans | 905.5556% | 409 |
| Noncurrent assets plus other real estate owned to assets | 0.1458% | 6,799 |
| Noncurrent loans to loans | 0.4276% | 6,147 |
| Net loans and leases to total assets | 32.7732% | 7,138 |
| Net loans and leases to deposits | 41.6701% | 7,035 |
| Net loans and leases to core deposits | 41.6701% | 7,119 |
| Total domestic deposits to total assets | 78.6492% | 6,265 |
| Equity capital to assets | 21.1159% | 202 |
| Core capital (leverage) ratio | 27.0667% | 91 |
| Tier 1 risk-based capital ratio | 56.2575% | 120 |
| Total risk-based capital ratio | 57.5383% | 119 |
| Memoranda: | ||
| Average total assets | $25,613,500 | 7,275 |
| Average earning assets | $21,760,500 | 7,302 |
| Average equity | $5,199,500 | 6,482 |
| Average total loans | $8,464,000 | 7,363 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6243% | 7,336 |
| Cost of funding earning assets | 0.8878% | 6,213 |
| Net interest margin | 2.7366% | 7,096 |
| Noninterest income to average assets | 0.3561% | 5,266 |
| Noninterest expense to average assets | 1.7454% | 7,311 |
| Loan and lease loss provision to assets | 0.0587% | 6,553 |
| Net operating income to assets | 1.0371% | 1,920 |
| Return on assets (ROA) | 1.0371% | 2,024 |
| Pretax return on assets | 1.0371% | 2,823 |
| Return on Equity (ROE) | 5.1137% | 4,023 |
| Retained earnings to average equity (ytd only) | -1.2929% | 5,857 |
| Net charge-offs to loans | -0.0595% | 7,461 |
| Credit loss provision to net charge-offs | -300.0000% | 7,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4325% | 5,821 |
| Assets per employee ($millions) | 5.3060% | 1,749 |
| Cash dividends to net income (ytd only)* | 125.2830% | 228 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7847% | 478 |
| Loan loss allowance to noncurrent loans | 6,440.0000% | 82 |
| Noncurrent assets plus other real estate owned to assets | 0.0188% | 7,195 |
| Noncurrent loans to loans | 0.0588% | 6,976 |
| Net loans and leases to total assets | 30.8556% | 7,326 |
| Net loans and leases to deposits | 38.4337% | 7,294 |
| Net loans and leases to core deposits | 38.4337% | 7,339 |
| Total domestic deposits to total assets | 80.2827% | 5,759 |
| Equity capital to assets | 19.5401% | 285 |
| Core capital (leverage) ratio | 19.4564% | 264 |
| Tier 1 risk-based capital ratio | 54.3981% | 130 |
| Total risk-based capital ratio | 55.6698% | 127 |
| Memoranda: | ||
| Average total assets | $25,553,200 | 7,332 |
| Average earning assets | $23,204,200 | 7,317 |
| Average equity | $5,182,200 | 6,607 |
| Average total loans | $8,398,400 | 7,450 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6719% | 7,464 |
| Cost of funding earning assets | 0.9122% | 6,348 |
| Net interest margin | 2.7597% | 7,169 |
| Noninterest income to average assets | 0.3793% | 5,120 |
| Noninterest expense to average assets | 1.9123% | 7,188 |
| Loan and lease loss provision to assets | 0.0632% | 6,431 |
| Net operating income to assets | 0.9377% | 2,462 |
| Return on assets (ROA) | 0.9377% | 2,598 |
| Pretax return on assets | 0.9377% | 3,420 |
| Return on Equity (ROE) | 4.5801% | 4,514 |
| Retained earnings to average equity (ytd only) | -3.9626% | 6,463 |
| Net charge-offs to loans | -0.0797% | 7,522 |
| Credit loss provision to net charge-offs | -240.0000% | 6,962 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6420% | 4,936 |
| Assets per employee ($millions) | 4.2363% | 3,380 |
| Cash dividends to net income (ytd only)* | 186.5167% | 96 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7301% | 462 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 32.3904% | 7,399 |
| Net loans and leases to deposits | 40.7978% | 7,349 |
| Net loans and leases to core deposits | 40.7978% | 7,404 |
| Total domestic deposits to total assets | 79.3926% | 5,898 |
| Equity capital to assets | 20.1393% | 277 |
| Core capital (leverage) ratio | 20.6245% | 224 |
| Tier 1 risk-based capital ratio | 51.1972% | 150 |
| Total risk-based capital ratio | 52.4756% | 148 |
| Memoranda: | ||
| Average total assets | $25,309,000 | 7,429 |
| Average earning assets | $23,238,750 | 7,404 |
| Average equity | $5,181,750 | 6,683 |
| Average total loans | $8,371,000 | 7,550 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5853% | 7,574 |
| Cost of funding earning assets | 0.8942% | 6,604 |
| Net interest margin | 2.6911% | 7,266 |
| Noninterest income to average assets | 0.3957% | 4,944 |
| Noninterest expense to average assets | 1.9468% | 7,189 |
| Loan and lease loss provision to assets | 0.0712% | 6,235 |
| Net operating income to assets | 0.9259% | 2,449 |
| Return on assets (ROA) | 0.9259% | 2,547 |
| Pretax return on assets | 0.9259% | 3,400 |
| Return on Equity (ROE) | 4.4977% | 4,542 |
| Retained earnings to average equity (ytd only) | -8.2650% | 6,830 |
| Net charge-offs to loans | -0.1925% | 7,639 |
| Credit loss provision to net charge-offs | -112.5000% | 6,681 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1290% | 4,959 |
| Assets per employee ($millions) | 4.0935% | 3,590 |
| Cash dividends to net income (ytd only)* | 283.7607% | 67 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6951% | 475 |
| Loan loss allowance to noncurrent loans | 5,316.6667% | 90 |
| Noncurrent assets plus other real estate owned to assets | 0.0244% | 7,343 |
| Noncurrent loans to loans | 0.0695% | 7,139 |
| Net loans and leases to total assets | 33.8504% | 7,425 |
| Net loans and leases to deposits | 42.8270% | 7,364 |
| Net loans and leases to core deposits | 43.7280% | 7,407 |
| Total domestic deposits to total assets | 79.0399% | 6,029 |
| Equity capital to assets | 20.5407% | 260 |
| Core capital (leverage) ratio | 20.0604% | 245 |
| Tier 1 risk-based capital ratio | 51.7703% | 149 |
| Total risk-based capital ratio | 53.0475% | 146 |
| Memoranda: | ||
| Average total assets | $25,272,670 | 7,489 |
| Average earning assets | $23,931,000 | 7,442 |
| Average equity | $5,202,670 | 6,709 |
| Average total loans | $8,310,670 | 7,615 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3627% | 7,744 |
| Cost of funding earning assets | 0.8935% | 6,797 |
| Net interest margin | 2.4692% | 7,493 |
| Noninterest income to average assets | 0.3278% | 5,521 |
| Noninterest expense to average assets | 2.0446% | 7,076 |
| Loan and lease loss provision to assets | 0.0936% | 5,692 |
| Net operating income to assets | 0.5619% | 4,072 |
| Return on assets (ROA) | 0.5619% | 4,219 |
| Pretax return on assets | 0.5619% | 4,745 |
| Return on Equity (ROE) | 2.7265% | 5,465 |
| Retained earnings to average equity (ytd only) | 2.7265% | 4,499 |
| Net charge-offs to loans | -0.2945% | 7,738 |
| Credit loss provision to net charge-offs | -100.0000% | 6,057 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7225% | 3,266 |
| Assets per employee ($millions) | 4.0443% | 3,768 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8608% | 420 |
| Loan loss allowance to noncurrent loans | 684.7826% | 468 |
| Noncurrent assets plus other real estate owned to assets | 0.1896% | 6,996 |
| Noncurrent loans to loans | 0.5638% | 6,172 |
| Net loans and leases to total assets | 32.3251% | 7,557 |
| Net loans and leases to deposits | 41.4983% | 7,470 |
| Net loans and leases to core deposits | 42.3954% | 7,517 |
| Total domestic deposits to total assets | 77.8950% | 6,343 |
| Equity capital to assets | 21.7877% | 216 |
| Core capital (leverage) ratio | 20.8818% | 216 |
| Tier 1 risk-based capital ratio | 59.8902% | 110 |
| Total risk-based capital ratio | 61.1708% | 109 |
| Memoranda: | ||
| Average total assets | $25,628,500 | 7,577 |
| Average earning assets | $24,623,000 | 7,509 |
| Average equity | $5,281,500 | 6,745 |
| Average total loans | $8,149,500 | 7,721 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9935% | 7,698 |
| Cost of funding earning assets | 1.1132% | 6,934 |
| Net interest margin | 2.8803% | 6,898 |
| Noninterest income to average assets | 0.4265% | 4,999 |
| Noninterest expense to average assets | 1.7298% | 7,671 |
| Loan and lease loss provision to assets | 0.1036% | 6,597 |
| Net operating income to assets | 1.3671% | 903 |
| Return on assets (ROA) | 1.5823% | 604 |
| Pretax return on assets | 1.5823% | 996 |
| Return on Equity (ROE) | 7.5888% | 2,543 |
| Retained earnings to average equity (ytd only) | -1.9306% | 5,501 |
| Net charge-offs to loans | -0.1962% | 7,911 |
| Credit loss provision to net charge-offs | -162.5000% | 7,393 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.0473% | 7,222 |
| Assets per employee ($millions) | 4.4985% | 2,926 |
| Cash dividends to net income (ytd only)* | 125.4408% | 373 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7224% | 437 |
| Loan loss allowance to noncurrent loans | 688.6364% | 506 |
| Noncurrent assets plus other real estate owned to assets | 0.1630% | 7,067 |
| Noncurrent loans to loans | 0.5405% | 6,167 |
| Net loans and leases to total assets | 29.0356% | 7,733 |
| Net loans and leases to deposits | 36.2137% | 7,717 |
| Net loans and leases to core deposits | 39.7293% | 7,757 |
| Total domestic deposits to total assets | 80.1786% | 5,621 |
| Equity capital to assets | 19.5473% | 330 |
| Core capital (leverage) ratio | 24.4546% | 162 |
| Tier 1 risk-based capital ratio | 55.9910% | 124 |
| Total risk-based capital ratio | 57.2613% | 123 |
| Memoranda: | ||
| Average total assets | $25,089,600 | 7,638 |
| Average earning assets | $24,164,400 | 7,573 |
| Average equity | $5,231,400 | 6,859 |
| Average total loans | $8,155,800 | 7,780 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1713% | 7,737 |
| Cost of funding earning assets | 1.1356% | 7,081 |
| Net interest margin | 3.0357% | 6,504 |
| Noninterest income to average assets | 0.4333% | 5,014 |
| Noninterest expense to average assets | 1.8254% | 7,639 |
| Loan and lease loss provision to assets | 0.1084% | 6,289 |
| Net operating income to assets | 1.4246% | 973 |
| Return on assets (ROA) | 1.4246% | 1,039 |
| Pretax return on assets | 1.4246% | 1,635 |
| Return on Equity (ROE) | 6.7173% | 3,207 |
| Retained earnings to average equity (ytd only) | -6.0022% | 6,387 |
| Net charge-offs to loans | -0.0817% | 7,904 |
| Credit loss provision to net charge-offs | -400.0000% | 7,255 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.3548% | 7,201 |
| Assets per employee ($millions) | 5.2428% | 1,846 |
| Cash dividends to net income (ytd only)* | 189.3515% | 209 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4293% | 448 |
| Loan loss allowance to noncurrent loans | 493.1034% | 648 |
| Noncurrent assets plus other real estate owned to assets | 0.2213% | 6,964 |
| Noncurrent loans to loans | 0.6954% | 5,909 |
| Net loans and leases to total assets | 30.7240% | 7,790 |
| Net loans and leases to deposits | 38.6042% | 7,770 |
| Net loans and leases to core deposits | 43.3081% | 7,806 |
| Total domestic deposits to total assets | 79.5872% | 5,595 |
| Equity capital to assets | 19.8062% | 357 |
| Core capital (leverage) ratio | 20.1728% | 304 |
| Tier 1 risk-based capital ratio | 53.7271% | 145 |
| Total risk-based capital ratio | 54.9995% | 144 |
| Memoranda: | ||
| Average total assets | $24,614,250 | 7,721 |
| Average earning assets | $23,717,000 | 7,663 |
| Average equity | $5,220,250 | 6,930 |
| Average total loans | $8,159,750 | 7,855 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4218% | 7,697 |
| Cost of funding earning assets | 1.1700% | 7,194 |
| Net interest margin | 3.2518% | 5,728 |
| Noninterest income to average assets | 0.4153% | 5,161 |
| Noninterest expense to average assets | 1.8189% | 7,721 |
| Loan and lease loss provision to assets | 0.1163% | 5,978 |
| Net operating income to assets | 1.6195% | 656 |
| Return on assets (ROA) | 1.6195% | 723 |
| Pretax return on assets | 1.6195% | 1,173 |
| Return on Equity (ROE) | 7.4574% | 3,003 |
| Retained earnings to average equity (ytd only) | -11.5877% | 7,020 |
| Net charge-offs to loans | -0.2963% | 8,064 |
| Credit loss provision to net charge-offs | -116.6667% | 6,957 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.1682% | 7,579 |
| Assets per employee ($millions) | 4.7414% | 2,409 |
| Cash dividends to net income (ytd only)* | 255.3846% | 160 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4346% | 401 |
| Loan loss allowance to noncurrent loans | 550.0000% | 598 |
| Noncurrent assets plus other real estate owned to assets | 0.2193% | 6,952 |
| Noncurrent loans to loans | 0.6245% | 6,001 |
| Net loans and leases to total assets | 33.9183% | 7,778 |
| Net loans and leases to deposits | 43.5425% | 7,715 |
| Net loans and leases to core deposits | 50.7223% | 7,750 |
| Total domestic deposits to total assets | 77.8968% | 6,104 |
| Equity capital to assets | 21.5548% | 300 |
| Core capital (leverage) ratio | 21.3304% | 301 |
| Tier 1 risk-based capital ratio | 54.2839% | 153 |
| Total risk-based capital ratio | 55.5543% | 149 |
| Memoranda: | ||
| Average total assets | $24,081,000 | 7,814 |
| Average earning assets | $23,248,330 | 7,758 |
| Average equity | $5,229,670 | 6,990 |
| Average total loans | $8,099,670 | 7,942 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5779% | 7,638 |
| Cost of funding earning assets | 1.2219% | 7,245 |
| Net interest margin | 3.3560% | 5,302 |
| Noninterest income to average assets | 0.2802% | 6,187 |
| Noninterest expense to average assets | 1.9120% | 7,525 |
| Loan and lease loss provision to assets | 0.1319% | 5,270 |
| Net operating income to assets | 1.4505% | 1,045 |
| Return on assets (ROA) | 1.4505% | 1,118 |
| Pretax return on assets | 1.4505% | 1,813 |
| Return on Equity (ROE) | 6.6547% | 3,740 |
| Retained earnings to average equity (ytd only) | -31.0048% | 7,867 |
| Net charge-offs to loans | -0.6011% | 8,122 |
| Credit loss provision to net charge-offs | -66.6667% | 6,188 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.7170% | 7,146 |
| Assets per employee ($millions) | 4.5302% | 2,671 |
| Cash dividends to net income (ytd only)* | 565.9091% | 57 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5161% | 317 |
| Loan loss allowance to noncurrent loans | 996.4286% | 401 |
| Noncurrent assets plus other real estate owned to assets | 0.1236% | 7,216 |
| Noncurrent loans to loans | 0.3529% | 6,547 |
| Net loans and leases to total assets | 33.7998% | 7,809 |
| Net loans and leases to deposits | 43.6887% | 7,737 |
| Net loans and leases to core deposits | 50.2758% | 7,784 |
| Total domestic deposits to total assets | 77.3652% | 6,192 |
| Equity capital to assets | 22.2463% | 299 |
| Core capital (leverage) ratio | 20.6440% | 369 |
| Tier 1 risk-based capital ratio | 53.3537% | 174 |
| Total risk-based capital ratio | 54.6297% | 171 |
| Memoranda: | ||
| Average total assets | $24,268,000 | 7,860 |
| Average earning assets | $23,242,000 | 7,798 |
| Average equity | $5,289,500 | 7,016 |
| Average total loans | $7,986,000 | 7,993 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4164% | 7,442 |
| Cost of funding earning assets | 1.9017% | 6,720 |
| Net interest margin | 3.5147% | 5,249 |
| Noninterest income to average assets | 0.4483% | 5,051 |
| Noninterest expense to average assets | 1.7415% | 7,822 |
| Loan and lease loss provision to assets | 0.2069% | 4,822 |
| Net operating income to assets | 1.8018% | 554 |
| Return on assets (ROA) | 1.8018% | 529 |
| Pretax return on assets | 1.8061% | 929 |
| Return on Equity (ROE) | 7.9209% | 3,107 |
| Retained earnings to average equity (ytd only) | -2.6908% | 6,035 |
| Net charge-offs to loans | 0.1970% | 4,223 |
| Credit loss provision to net charge-offs | 282.3529% | 1,615 |
| Earnings coverage of net charge-offs (x) | 27.4706% | 1,243 |
| Efficiency ratio | 46.3835% | 7,906 |
| Assets per employee ($millions) | 4.3142% | 2,929 |
| Cash dividends to net income (ytd only)* | 133.9713% | 561 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2226% | 358 |
| Loan loss allowance to noncurrent loans | 12,950.0000% | 53 |
| Noncurrent assets plus other real estate owned to assets | 0.0077% | 7,608 |
| Noncurrent loans to loans | 0.0249% | 7,417 |
| Net loans and leases to total assets | 30.0483% | 7,986 |
| Net loans and leases to deposits | 38.4099% | 7,967 |
| Net loans and leases to core deposits | 42.9629% | 8,008 |
| Total domestic deposits to total assets | 78.2306% | 5,635 |
| Equity capital to assets | 21.4024% | 379 |
| Core capital (leverage) ratio | 21.9508% | 339 |
| Tier 1 risk-based capital ratio | 51.7268% | 205 |
| Total risk-based capital ratio | 52.9951% | 201 |
| Memoranda: | ||
| Average total assets | $23,198,800 | 7,903 |
| Average earning assets | $21,822,800 | 7,865 |
| Average equity | $5,277,200 | 7,053 |
| Average total loans | $8,628,600 | 8,008 |