Home > McClave State Bank > Performance and Condition Ratios
McClave 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 | 7.6435% | 175 |
| Cost of funding earning assets | 2.8823% | 418 |
| Net interest margin | 4.7611% | 432 |
| Noninterest income to average assets | 0.1300% | 3,988 |
| Noninterest expense to average assets | 2.2167% | 3,068 |
| Loan and lease loss provision to assets | 0.3100% | 347 |
| Net operating income to assets | 1.5259% | 1,045 |
| Return on assets (ROA) | 1.5259% | 1,045 |
| Pretax return on assets | 2.0053% | 690 |
| Return on Equity (ROE) | 12.5100% | 1,617 |
| Retained earnings to average equity (ytd only) | 6.5061% | 2,142 |
| Net charge-offs to loans | -0.0060% | 3,784 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 48.9192% | 3,963 |
| Assets per employee ($millions) | 5.8778% | 3,033 |
| Cash dividends to net income (ytd only)* | 47.9730% | 1,281 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1113% | 2,652 |
| 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 | 83.9700% | 247 |
| Net loans and leases to deposits | 99.4975% | 433 |
| Net loans and leases to core deposits | 151.9083% | 151 |
| Total domestic deposits to total assets | 84.3900% | 2,792 |
| Equity capital to assets | 12.5047% | 1,053 |
| Core capital (leverage) ratio | 12.7502% | 1,178 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $77,594,000 | 3,967 |
| Average earning assets | $71,747,500 | 3,952 |
| Average equity | $9,468,000 | 3,833 |
| Average total loans | $66,187,000 | 3,633 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.9646% | 162 |
| Cost of funding earning assets | 3.0740% | 426 |
| Net interest margin | 4.8907% | 389 |
| Noninterest income to average assets | 0.1300% | 4,080 |
| Noninterest expense to average assets | 2.3947% | 2,588 |
| Loan and lease loss provision to assets | 0.2100% | 634 |
| Net operating income to assets | 1.5647% | 815 |
| Return on assets (ROA) | 1.5647% | 811 |
| Pretax return on assets | 2.0835% | 517 |
| Return on Equity (ROE) | 12.5800% | 1,468 |
| Retained earnings to average equity (ytd only) | 10.9806% | 437 |
| Net charge-offs to loans | 0.3168% | 469 |
| Credit loss provision to net charge-offs | 76.1421% | 2,156 |
| Earnings coverage of net charge-offs (x) | 8.3046% | 2,382 |
| Efficiency ratio | 51.0766% | 3,927 |
| Assets per employee ($millions) | 7.8777% | 1,602 |
| Cash dividends to net income (ytd only)* | 12.7240% | 3,163 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9779% | 3,344 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,770 |
| Noncurrent assets plus other real estate owned to assets | 0.1181% | 2,884 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 84.8400% | 224 |
| Net loans and leases to deposits | 102.8469% | 356 |
| Net loans and leases to core deposits | 157.7366% | 136 |
| Total domestic deposits to total assets | 82.4900% | 3,151 |
| Equity capital to assets | 11.9083% | 1,215 |
| Core capital (leverage) ratio | 12.6451% | 1,181 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $71,323,200 | 4,035 |
| Average earning assets | $66,494,200 | 4,011 |
| Average equity | $8,870,200 | 3,879 |
| Average total loans | $62,192,800 | 3,664 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.9171% | 174 |
| Cost of funding earning assets | 3.0496% | 469 |
| Net interest margin | 4.8675% | 402 |
| Noninterest income to average assets | 0.1300% | 4,095 |
| Noninterest expense to average assets | 2.2919% | 2,825 |
| Loan and lease loss provision to assets | 0.1700% | 713 |
| Net operating income to assets | 1.6796% | 719 |
| Return on assets (ROA) | 1.6796% | 720 |
| Pretax return on assets | 2.2420% | 460 |
| Return on Equity (ROE) | 13.3400% | 1,290 |
| Retained earnings to average equity (ytd only) | 11.1788% | 622 |
| Net charge-offs to loans | 0.0000% | 2,849 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 48.6949% | 4,060 |
| Assets per employee ($millions) | 7.6510% | 1,724 |
| Cash dividends to net income (ytd only)* | 16.2286% | 2,659 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2031% | 2,196 |
| Loan loss allowance to noncurrent loans | 223.2493% | 2,092 |
| Noncurrent assets plus other real estate owned to assets | 0.4666% | 1,480 |
| Noncurrent loans to loans | 0.5389% | 1,743 |
| Net loans and leases to total assets | 85.5400% | 169 |
| Net loans and leases to deposits | 104.8360% | 291 |
| Net loans and leases to core deposits | 165.7599% | 109 |
| Total domestic deposits to total assets | 81.5900% | 3,190 |
| Equity capital to assets | 12.0154% | 1,285 |
| Core capital (leverage) ratio | 12.6435% | 1,222 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $69,459,750 | 4,067 |
| Average earning assets | $65,274,500 | 4,043 |
| Average equity | $8,742,500 | 3,908 |
| Average total loans | $60,867,750 | 3,686 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.7432% | 193 |
| Cost of funding earning assets | 2.8931% | 554 |
| Net interest margin | 4.8501% | 397 |
| Noninterest income to average assets | 0.1300% | 4,102 |
| Noninterest expense to average assets | 2.3335% | 2,698 |
| Loan and lease loss provision to assets | 0.0900% | 1,288 |
| Net operating income to assets | 1.7196% | 656 |
| Return on assets (ROA) | 1.7196% | 656 |
| Pretax return on assets | 2.3126% | 417 |
| Return on Equity (ROE) | 13.4300% | 1,281 |
| Retained earnings to average equity (ytd only) | 10.1253% | 851 |
| Net charge-offs to loans | 0.0000% | 2,619 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 49.2763% | 4,053 |
| Assets per employee ($millions) | 7.0984% | 2,016 |
| Cash dividends to net income (ytd only)* | 24.6101% | 2,368 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1586% | 2,456 |
| Loan loss allowance to noncurrent loans | 205.8659% | 2,262 |
| Noncurrent assets plus other real estate owned to assets | 0.5043% | 1,330 |
| Noncurrent loans to loans | 0.5628% | 1,604 |
| Net loans and leases to total assets | 88.5700% | 62 |
| Net loans and leases to deposits | 106.3643% | 300 |
| Net loans and leases to core deposits | 158.1552% | 143 |
| Total domestic deposits to total assets | 83.2700% | 2,807 |
| Equity capital to assets | 12.4634% | 1,024 |
| Core capital (leverage) ratio | 13.2569% | 1,001 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $67,109,667 | 4,104 |
| Average earning assets | $63,668,667 | 4,067 |
| Average equity | $8,592,333 | 3,908 |
| Average total loans | $59,075,667 | 3,728 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6633% | 201 |
| Cost of funding earning assets | 2.8762% | 527 |
| Net interest margin | 4.7871% | 416 |
| Noninterest income to average assets | 0.1500% | 3,964 |
| Noninterest expense to average assets | 2.3814% | 2,570 |
| Loan and lease loss provision to assets | 0.1800% | 570 |
| Net operating income to assets | 1.5344% | 849 |
| Return on assets (ROA) | 1.5344% | 858 |
| Pretax return on assets | 2.1175% | 543 |
| Return on Equity (ROE) | 11.8100% | 1,619 |
| Retained earnings to average equity (ytd only) | 5.1034% | 2,368 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 50.8519% | 3,983 |
| Assets per employee ($millions) | 6.6352% | 2,346 |
| Cash dividends to net income (ytd only)* | 56.8000% | 1,146 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3105% | 1,711 |
| Loan loss allowance to noncurrent loans | 2,729.6296% | 380 |
| Noncurrent assets plus other real estate owned to assets | 0.0407% | 3,422 |
| Noncurrent loans to loans | 0.0480% | 3,407 |
| Net loans and leases to total assets | 83.6500% | 291 |
| Net loans and leases to deposits | 98.4759% | 563 |
| Net loans and leases to core deposits | 136.0319% | 321 |
| Total domestic deposits to total assets | 84.9400% | 2,430 |
| Equity capital to assets | 12.8346% | 901 |
| Core capital (leverage) ratio | 13.4278% | 930 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $65,172,500 | 4,146 |
| Average earning assets | $61,749,000 | 4,112 |
| Average equity | $8,465,000 | 3,941 |
| Average total loans | $56,808,500 | 3,763 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5294% | 156 |
| Cost of funding earning assets | 2.0601% | 833 |
| Net interest margin | 5.4693% | 191 |
| Noninterest income to average assets | 0.1500% | 4,057 |
| Noninterest expense to average assets | 2.7773% | 1,560 |
| Loan and lease loss provision to assets | 0.0800% | 1,564 |
| Net operating income to assets | 1.8751% | 544 |
| Return on assets (ROA) | 1.8751% | 528 |
| Pretax return on assets | 2.4427% | 358 |
| Return on Equity (ROE) | 13.8000% | 1,526 |
| Retained earnings to average equity (ytd only) | 11.9979% | 633 |
| Net charge-offs to loans | -0.4095% | 4,587 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 52.4259% | 3,795 |
| Assets per employee ($millions) | 6.3993% | 2,481 |
| Cash dividends to net income (ytd only)* | 13.0635% | 3,153 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2322% | 2,101 |
| 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 | 88.5600% | 64 |
| Net loans and leases to deposits | 104.4818% | 339 |
| Net loans and leases to core deposits | 144.1595% | 240 |
| Total domestic deposits to total assets | 84.7600% | 2,391 |
| Equity capital to assets | 13.1483% | 836 |
| Core capital (leverage) ratio | 13.5273% | 902 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $57,969,600 | 4,233 |
| Average earning assets | $54,559,400 | 4,202 |
| Average equity | $7,876,400 | 3,946 |
| Average total loans | $50,546,400 | 3,839 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3934% | 157 |
| Cost of funding earning assets | 1.8031% | 1,002 |
| Net interest margin | 5.5903% | 166 |
| Noninterest income to average assets | 0.1500% | 4,067 |
| Noninterest expense to average assets | 2.6376% | 1,834 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 2.1276% | 419 |
| Return on assets (ROA) | 2.1276% | 412 |
| Pretax return on assets | 2.7722% | 288 |
| Return on Equity (ROE) | 15.5200% | 1,341 |
| Retained earnings to average equity (ytd only) | 13.0712% | 804 |
| Net charge-offs to loans | -0.5651% | 4,622 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 48.7560% | 3,998 |
| Assets per employee ($millions) | 5.8151% | 2,913 |
| Cash dividends to net income (ytd only)* | 15.7603% | 2,617 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1649% | 2,542 |
| Loan loss allowance to noncurrent loans | 2,282.7586% | 471 |
| Noncurrent assets plus other real estate owned to assets | 0.0453% | 3,353 |
| Noncurrent loans to loans | 0.0510% | 3,389 |
| Net loans and leases to total assets | 87.8100% | 85 |
| Net loans and leases to deposits | 106.8628% | 276 |
| Net loans and leases to core deposits | 150.3373% | 147 |
| Total domestic deposits to total assets | 82.1700% | 3,181 |
| Equity capital to assets | 12.7286% | 868 |
| Core capital (leverage) ratio | 13.5236% | 936 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $56,463,750 | 4,265 |
| Average earning assets | $53,091,000 | 4,232 |
| Average equity | $7,742,000 | 3,959 |
| Average total loans | $48,838,250 | 3,867 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1991% | 157 |
| Cost of funding earning assets | 1.4713% | 1,296 |
| Net interest margin | 5.7278% | 133 |
| Noninterest income to average assets | 0.1500% | 4,060 |
| Noninterest expense to average assets | 2.6907% | 1,664 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 2.1941% | 356 |
| Return on assets (ROA) | 2.1941% | 348 |
| Pretax return on assets | 2.8575% | 232 |
| Return on Equity (ROE) | 15.5600% | 1,348 |
| Retained earnings to average equity (ytd only) | 11.8286% | 1,023 |
| Net charge-offs to loans | -0.8966% | 4,650 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 48.4970% | 4,032 |
| Assets per employee ($millions) | 5.4262% | 3,213 |
| Cash dividends to net income (ytd only)* | 23.9865% | 2,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2783% | 2,018 |
| 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 | 85.6600% | 170 |
| Net loans and leases to deposits | 106.9873% | 276 |
| Net loans and leases to core deposits | 132.7259% | 287 |
| Total domestic deposits to total assets | 80.0600% | 3,574 |
| Equity capital to assets | 13.1852% | 775 |
| Core capital (leverage) ratio | 14.3144% | 715 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $53,963,000 | 4,312 |
| Average earning assets | $50,839,667 | 4,281 |
| Average equity | $7,608,667 | 3,999 |
| Average total loans | $46,175,000 | 3,919 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8092% | 132 |
| Cost of funding earning assets | 1.2619% | 1,322 |
| Net interest margin | 5.5473% | 142 |
| Noninterest income to average assets | 0.1500% | 4,077 |
| Noninterest expense to average assets | 2.8180% | 1,398 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 2.0039% | 491 |
| Return on assets (ROA) | 2.0039% | 486 |
| Pretax return on assets | 2.6301% | 310 |
| Return on Equity (ROE) | 13.6900% | 1,837 |
| Retained earnings to average equity (ytd only) | 6.0979% | 2,736 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 51.7241% | 3,804 |
| Assets per employee ($millions) | 5.3114% | 3,402 |
| Cash dividends to net income (ytd only)* | 55.4688% | 1,054 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9917% | 3,546 |
| 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 | 85.5300% | 153 |
| Net loans and leases to deposits | 102.6274% | 341 |
| Net loans and leases to core deposits | 127.7080% | 308 |
| Total domestic deposits to total assets | 83.3400% | 3,232 |
| Equity capital to assets | 14.2128% | 570 |
| Core capital (leverage) ratio | 15.1595% | 557 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $51,100,500 | 4,405 |
| Average earning assets | $48,816,500 | 4,364 |
| Average equity | $7,478,000 | 4,066 |
| Average total loans | $43,368,500 | 4,010 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9121% | 100 |
| Cost of funding earning assets | 0.6831% | 634 |
| Net interest margin | 5.2290% | 114 |
| Noninterest income to average assets | 0.1800% | 4,071 |
| Noninterest expense to average assets | 2.5961% | 1,836 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.9336% | 334 |
| Return on assets (ROA) | 1.9336% | 324 |
| Pretax return on assets | 2.5423% | 203 |
| Return on Equity (ROE) | 13.2700% | 1,716 |
| Retained earnings to average equity (ytd only) | 11.2519% | 831 |
| Net charge-offs to loans | -0.0477% | 4,337 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 50.5238% | 4,100 |
| Assets per employee ($millions) | 4.9087% | 3,741 |
| Cash dividends to net income (ytd only)* | 15.2034% | 3,062 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1137% | 2,831 |
| Loan loss allowance to noncurrent loans | 1,467.7419% | 746 |
| Noncurrent assets plus other real estate owned to assets | 0.0632% | 3,175 |
| Noncurrent loans to loans | 0.0759% | 3,216 |
| Net loans and leases to total assets | 82.3000% | 382 |
| Net loans and leases to deposits | 99.7038% | 449 |
| Net loans and leases to core deposits | 119.2022% | 385 |
| Total domestic deposits to total assets | 82.5500% | 3,528 |
| Equity capital to assets | 15.0895% | 460 |
| Core capital (leverage) ratio | 15.5966% | 501 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $48,303,600 | 4,455 |
| Average earning assets | $45,821,600 | 4,420 |
| Average equity | $7,038,800 | 4,208 |
| Average total loans | $39,848,200 | 4,068 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7457% | 94 |
| Cost of funding earning assets | 0.6348% | 363 |
| Net interest margin | 5.1109% | 104 |
| Noninterest income to average assets | 0.1900% | 4,048 |
| Noninterest expense to average assets | 2.3613% | 2,437 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 2.0315% | 275 |
| Return on assets (ROA) | 2.0315% | 277 |
| Pretax return on assets | 2.6717% | 178 |
| Return on Equity (ROE) | 14.0700% | 1,413 |
| Retained earnings to average equity (ytd only) | 11.3432% | 958 |
| Net charge-offs to loans | -0.0673% | 4,388 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 46.9163% | 4,332 |
| Assets per employee ($millions) | 5.4039% | 3,325 |
| Cash dividends to net income (ytd only)* | 19.3724% | 2,489 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0851% | 3,083 |
| 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 | 85.4700% | 156 |
| Net loans and leases to deposits | 104.9168% | 216 |
| Net loans and leases to core deposits | 129.3633% | 155 |
| Total domestic deposits to total assets | 81.4600% | 3,908 |
| Equity capital to assets | 14.7692% | 477 |
| Core capital (leverage) ratio | 15.2954% | 512 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $48,107,750 | 4,492 |
| Average earning assets | $45,575,000 | 4,457 |
| Average equity | $6,946,750 | 4,263 |
| Average total loans | $39,596,500 | 4,087 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5396% | 100 |
| Cost of funding earning assets | 0.6287% | 233 |
| Net interest margin | 4.9109% | 112 |
| Noninterest income to average assets | 0.1919% | 4,041 |
| Noninterest expense to average assets | 2.3033% | 2,542 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.9402% | 252 |
| Return on assets (ROA) | 1.9402% | 250 |
| Pretax return on assets | 2.5494% | 157 |
| Return on Equity (ROE) | 13.5411% | 1,228 |
| Retained earnings to average equity (ytd only) | 9.4059% | 1,174 |
| Net charge-offs to loans | -0.1031% | 4,451 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.4635% | 4,371 |
| Assets per employee ($millions) | 5.3797% | 3,360 |
| Cash dividends to net income (ytd only)* | 30.5376% | 2,068 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1219% | 3,070 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 83.0060% | 238 |
| Net loans and leases to deposits | 99.6282% | 285 |
| Net loans and leases to core deposits | 125.3478% | 148 |
| Total domestic deposits to total assets | 83.3158% | 3,816 |
| Equity capital to assets | 14.4247% | 472 |
| Core capital (leverage) ratio | 14.7355% | 510 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $47,932,000 | 4,538 |
| Average earning assets | $45,491,000 | 4,516 |
| Average equity | $6,868,000 | 4,332 |
| Average total loans | $38,787,667 | 4,157 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2787% | 116 |
| Cost of funding earning assets | 0.6388% | 209 |
| Net interest margin | 4.6399% | 148 |
| Noninterest income to average assets | 0.1929% | 4,004 |
| Noninterest expense to average assets | 2.3318% | 2,390 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.7111% | 402 |
| Return on assets (ROA) | 1.7111% | 405 |
| Pretax return on assets | 2.2479% | 243 |
| Return on Equity (ROE) | 11.9824% | 1,318 |
| Retained earnings to average equity (ytd only) | 3.6417% | 3,057 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.9158% | 4,261 |
| Assets per employee ($millions) | 6.0056% | 2,808 |
| Cash dividends to net income (ytd only)* | 69.6078% | 864 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1410% | 3,146 |
| 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 | 78.6284% | 330 |
| Net loans and leases to deposits | 94.1483% | 356 |
| Net loans and leases to core deposits | 119.3586% | 150 |
| Total domestic deposits to total assets | 83.5155% | 3,860 |
| Equity capital to assets | 14.1347% | 507 |
| Core capital (leverage) ratio | 14.5084% | 507 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $47,689,500 | 4,566 |
| Average earning assets | $45,087,000 | 4,546 |
| Average equity | $6,810,000 | 4,380 |
| Average total loans | $37,859,000 | 4,193 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6421% | 114 |
| Cost of funding earning assets | 0.8290% | 176 |
| Net interest margin | 4.8131% | 175 |
| Noninterest income to average assets | 0.3192% | 3,498 |
| Noninterest expense to average assets | 2.7272% | 1,555 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.6220% | 755 |
| Return on assets (ROA) | 1.6220% | 796 |
| Pretax return on assets | 2.1300% | 468 |
| Return on Equity (ROE) | 11.5157% | 1,980 |
| Retained earnings to average equity (ytd only) | 9.3266% | 1,093 |
| Net charge-offs to loans | -0.0556% | 4,369 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.1466% | 3,691 |
| Assets per employee ($millions) | 5.9168% | 2,849 |
| Cash dividends to net income (ytd only)* | 19.0094% | 3,048 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1625% | 3,070 |
| 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 | 78.3137% | 364 |
| Net loans and leases to deposits | 94.2560% | 375 |
| Net loans and leases to core deposits | 123.0139% | 139 |
| Total domestic deposits to total assets | 83.0862% | 3,790 |
| Equity capital to assets | 14.4273% | 589 |
| Core capital (leverage) ratio | 14.4976% | 539 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $46,055,400 | 4,601 |
| Average earning assets | $43,423,400 | 4,575 |
| Average equity | $6,486,800 | 4,477 |
| Average total loans | $37,741,200 | 4,236 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6204% | 130 |
| Cost of funding earning assets | 0.8668% | 184 |
| Net interest margin | 4.7536% | 210 |
| Noninterest income to average assets | 0.3702% | 3,245 |
| Noninterest expense to average assets | 2.6529% | 1,699 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.6821% | 862 |
| Return on assets (ROA) | 1.6821% | 906 |
| Pretax return on assets | 2.2097% | 534 |
| Return on Equity (ROE) | 12.0182% | 2,041 |
| Retained earnings to average equity (ytd only) | 9.0605% | 1,670 |
| Net charge-offs to loans | -0.0741% | 4,504 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.5564% | 3,723 |
| Assets per employee ($millions) | 5.8403% | 2,842 |
| Cash dividends to net income (ytd only)* | 24.6101% | 2,344 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0994% | 3,441 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 83.9476% | 117 |
| Net loans and leases to deposits | 100.8174% | 206 |
| Net loans and leases to core deposits | 129.8140% | 120 |
| Total domestic deposits to total assets | 83.2670% | 3,641 |
| Equity capital to assets | 14.2781% | 678 |
| Core capital (leverage) ratio | 14.4301% | 569 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $45,735,750 | 4,672 |
| Average earning assets | $43,222,250 | 4,641 |
| Average equity | $6,401,250 | 4,555 |
| Average total loans | $37,800,250 | 4,292 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5947% | 153 |
| Cost of funding earning assets | 0.9099% | 178 |
| Net interest margin | 4.6848% | 271 |
| Noninterest income to average assets | 0.3171% | 3,528 |
| Noninterest expense to average assets | 2.7220% | 1,533 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.5372% | 1,198 |
| Return on assets (ROA) | 1.5372% | 1,262 |
| Pretax return on assets | 2.0173% | 815 |
| Return on Equity (ROE) | 11.0595% | 2,407 |
| Retained earnings to average equity (ytd only) | 6.5596% | 2,597 |
| Net charge-offs to loans | -0.1130% | 4,654 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.4349% | 3,349 |
| Assets per employee ($millions) | 5.1454% | 3,515 |
| Cash dividends to net income (ytd only)* | 40.6877% | 1,587 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1213% | 3,325 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 83.0206% | 171 |
| Net loans and leases to deposits | 99.3488% | 275 |
| Net loans and leases to core deposits | 130.9067% | 122 |
| Total domestic deposits to total assets | 83.5647% | 3,554 |
| Equity capital to assets | 13.9239% | 729 |
| Core capital (leverage) ratio | 14.0640% | 614 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $45,407,000 | 4,701 |
| Average earning assets | $42,862,000 | 4,673 |
| Average equity | $6,311,333 | 4,589 |
| Average total loans | $37,181,000 | 4,330 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6003% | 173 |
| Cost of funding earning assets | 0.9492% | 174 |
| Net interest margin | 4.6511% | 285 |
| Noninterest income to average assets | 0.4004% | 3,086 |
| Noninterest expense to average assets | 2.7138% | 1,594 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.5660% | 1,186 |
| Return on assets (ROA) | 1.5660% | 1,247 |
| Pretax return on assets | 2.0464% | 879 |
| Return on Equity (ROE) | 11.2766% | 2,281 |
| Retained earnings to average equity (ytd only) | 2.1784% | 3,974 |
| Net charge-offs to loans | -0.2312% | 4,811 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.0093% | 3,426 |
| Assets per employee ($millions) | 5.6791% | 2,937 |
| Cash dividends to net income (ytd only)* | 80.6818% | 578 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2184% | 2,826 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 77.8025% | 477 |
| Net loans and leases to deposits | 92.9966% | 544 |
| Net loans and leases to core deposits | 123.2368% | 217 |
| Total domestic deposits to total assets | 83.6617% | 3,529 |
| Equity capital to assets | 13.7675% | 722 |
| Core capital (leverage) ratio | 13.8332% | 680 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $44,956,000 | 4,727 |
| Average earning assets | $42,140,500 | 4,700 |
| Average equity | $6,243,000 | 4,619 |
| Average total loans | $36,330,500 | 4,372 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1433% | 78 |
| Cost of funding earning assets | 1.2287% | 248 |
| Net interest margin | 4.9147% | 142 |
| Noninterest income to average assets | 0.1638% | 4,474 |
| Noninterest expense to average assets | 3.1825% | 1,086 |
| Loan and lease loss provision to assets | 0.1010% | 3,072 |
| Net operating income to assets | 1.1783% | 1,620 |
| Return on assets (ROA) | 1.1783% | 1,732 |
| Pretax return on assets | 1.5306% | 1,241 |
| Return on Equity (ROE) | 8.6431% | 2,537 |
| Retained earnings to average equity (ytd only) | 6.3054% | 1,662 |
| Net charge-offs to loans | 0.3140% | 563 |
| Credit loss provision to net charge-offs | 38.4615% | 3,193 |
| Earnings coverage of net charge-offs (x) | 6.2137% | 2,800 |
| Efficiency ratio | 66.1072% | 2,511 |
| Assets per employee ($millions) | 4.4479% | 3,972 |
| Cash dividends to net income (ytd only)* | 27.0476% | 2,970 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1254% | 3,331 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 81.9758% | 296 |
| Net loans and leases to deposits | 98.2089% | 452 |
| Net loans and leases to core deposits | 131.0875% | 191 |
| Total domestic deposits to total assets | 83.4709% | 3,272 |
| Equity capital to assets | 14.0089% | 794 |
| Core capital (leverage) ratio | 14.1049% | 667 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $44,556,800 | 4,714 |
| Average earning assets | $42,159,600 | 4,690 |
| Average equity | $6,074,200 | 4,637 |
| Average total loans | $37,259,800 | 4,370 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1580% | 84 |
| Cost of funding earning assets | 1.2774% | 272 |
| Net interest margin | 4.8806% | 173 |
| Noninterest income to average assets | 0.1705% | 4,448 |
| Noninterest expense to average assets | 2.8774% | 1,750 |
| Loan and lease loss provision to assets | 0.0897% | 3,192 |
| Net operating income to assets | 1.4237% | 1,050 |
| Return on assets (ROA) | 1.4237% | 1,137 |
| Pretax return on assets | 1.8545% | 708 |
| Return on Equity (ROE) | 10.5162% | 1,843 |
| Retained earnings to average equity (ytd only) | 7.3790% | 1,548 |
| Net charge-offs to loans | 0.4212% | 380 |
| Credit loss provision to net charge-offs | 25.4237% | 2,967 |
| Earnings coverage of net charge-offs (x) | 5.5085% | 2,725 |
| Efficiency ratio | 59.6774% | 3,433 |
| Assets per employee ($millions) | 5.5091% | 2,702 |
| Cash dividends to net income (ytd only)* | 29.8319% | 2,379 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0789% | 3,313 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 83.0055% | 365 |
| Net loans and leases to deposits | 99.5591% | 553 |
| Net loans and leases to core deposits | 133.3443% | 201 |
| Total domestic deposits to total assets | 83.3730% | 3,036 |
| Equity capital to assets | 14.0608% | 840 |
| Core capital (leverage) ratio | 13.9086% | 732 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $44,576,250 | 4,734 |
| Average earning assets | $42,480,000 | 4,714 |
| Average equity | $6,035,000 | 4,662 |
| Average total loans | $37,355,500 | 4,390 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2621% | 105 |
| Cost of funding earning assets | 1.3255% | 321 |
| Net interest margin | 4.9366% | 226 |
| Noninterest income to average assets | 0.1967% | 4,292 |
| Noninterest expense to average assets | 2.7713% | 2,159 |
| Loan and lease loss provision to assets | 0.1341% | 2,669 |
| Net operating income to assets | 1.5198% | 892 |
| Return on assets (ROA) | 1.5198% | 968 |
| Pretax return on assets | 2.0025% | 541 |
| Return on Equity (ROE) | 11.3693% | 1,524 |
| Retained earnings to average equity (ytd only) | 6.6210% | 1,817 |
| Net charge-offs to loans | 0.6297% | 254 |
| Credit loss provision to net charge-offs | 25.4237% | 2,717 |
| Earnings coverage of net charge-offs (x) | 4.0508% | 2,628 |
| Efficiency ratio | 56.4663% | 3,889 |
| Assets per employee ($millions) | 4.9182% | 3,278 |
| Cash dividends to net income (ytd only)* | 41.7647% | 1,880 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0650% | 3,257 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 83.5284% | 291 |
| Net loans and leases to deposits | 100.1625% | 539 |
| Net loans and leases to core deposits | 134.6039% | 212 |
| Total domestic deposits to total assets | 83.3928% | 2,961 |
| Equity capital to assets | 13.7064% | 926 |
| Core capital (leverage) ratio | 13.4556% | 882 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $44,744,000 | 4,758 |
| Average earning assets | $42,701,333 | 4,730 |
| Average equity | $5,981,000 | 4,691 |
| Average total loans | $37,480,000 | 4,395 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4370% | 88 |
| Cost of funding earning assets | 1.4087% | 380 |
| Net interest margin | 5.0283% | 180 |
| Noninterest income to average assets | 0.2134% | 4,271 |
| Noninterest expense to average assets | 2.7210% | 2,654 |
| Loan and lease loss provision to assets | 0.2668% | 1,168 |
| Net operating income to assets | 1.5561% | 689 |
| Return on assets (ROA) | 1.5561% | 758 |
| Pretax return on assets | 2.0185% | 429 |
| Return on Equity (ROE) | 11.7885% | 1,162 |
| Retained earnings to average equity (ytd only) | 11.7885% | 443 |
| Net charge-offs to loans | 1.2682% | 116 |
| Credit loss provision to net charge-offs | 25.2101% | 2,176 |
| Earnings coverage of net charge-offs (x) | 2.1597% | 2,312 |
| Efficiency ratio | 54.3517% | 4,375 |
| Assets per employee ($millions) | 4.9406% | 2,713 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0993% | 3,208 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 80.5308% | 632 |
| Net loans and leases to deposits | 95.9460% | 916 |
| Net loans and leases to core deposits | 140.5503% | 164 |
| Total domestic deposits to total assets | 83.9334% | 2,810 |
| Equity capital to assets | 13.5320% | 1,208 |
| Core capital (leverage) ratio | 13.3628% | 1,080 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $44,984,000 | 4,785 |
| Average earning assets | $42,877,000 | 4,762 |
| Average equity | $5,938,000 | 4,732 |
| Average total loans | $37,534,500 | 4,421 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5882% | 100 |
| Cost of funding earning assets | 1.4346% | 494 |
| Net interest margin | 5.1535% | 206 |
| Noninterest income to average assets | 0.2063% | 4,424 |
| Noninterest expense to average assets | 3.0834% | 1,799 |
| Loan and lease loss provision to assets | 0.5273% | 239 |
| Net operating income to assets | 1.1623% | 2,210 |
| Return on assets (ROA) | 1.1623% | 2,305 |
| Pretax return on assets | 1.5039% | 1,798 |
| Return on Equity (ROE) | 8.9038% | 2,797 |
| Retained earnings to average equity (ytd only) | 6.4100% | 1,662 |
| Net charge-offs to loans | 0.4536% | 412 |
| Credit loss provision to net charge-offs | 141.1043% | 1,833 |
| Earnings coverage of net charge-offs (x) | 5.4356% | 3,088 |
| Efficiency ratio | 60.2869% | 3,649 |
| Assets per employee ($millions) | 5.0559% | 2,508 |
| Cash dividends to net income (ytd only)* | 28.0079% | 3,161 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2531% | 2,157 |
| Loan loss allowance to noncurrent loans | 223.3945% | 1,929 |
| Noncurrent assets plus other real estate owned to assets | 0.4791% | 2,495 |
| Noncurrent loans to loans | 0.5609% | 2,494 |
| Net loans and leases to total assets | 84.3373% | 295 |
| Net loans and leases to deposits | 102.6481% | 435 |
| Net loans and leases to core deposits | 142.0386% | 166 |
| Total domestic deposits to total assets | 82.1616% | 3,463 |
| Equity capital to assets | 12.8761% | 1,600 |
| Core capital (leverage) ratio | 13.0348% | 1,223 |
| Tier 1 risk-based capital ratio | 14.0102% | 3,270 |
| Total risk-based capital ratio | 15.1798% | 3,211 |
| Memoranda: | ||
| Average total assets | $43,621,000 | 4,847 |
| Average earning assets | $41,544,200 | 4,823 |
| Average equity | $5,694,200 | 4,798 |
| Average total loans | $35,937,800 | 4,503 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6069% | 99 |
| Cost of funding earning assets | 1.4447% | 491 |
| Net interest margin | 5.1621% | 211 |
| Noninterest income to average assets | 0.2070% | 4,479 |
| Noninterest expense to average assets | 2.7809% | 2,623 |
| Loan and lease loss provision to assets | 0.0927% | 2,055 |
| Net operating income to assets | 1.7211% | 714 |
| Return on assets (ROA) | 1.7211% | 755 |
| Pretax return on assets | 2.2463% | 415 |
| Return on Equity (ROE) | 13.1373% | 1,224 |
| Retained earnings to average equity (ytd only) | 9.7881% | 804 |
| Net charge-offs to loans | 0.2159% | 821 |
| Credit loss provision to net charge-offs | 52.6316% | 2,768 |
| Earnings coverage of net charge-offs (x) | 13.2804% | 2,306 |
| Efficiency ratio | 54.3150% | 4,362 |
| Assets per employee ($millions) | 4.8724% | 2,705 |
| Cash dividends to net income (ytd only)* | 25.4938% | 2,805 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0650% | 3,202 |
| Loan loss allowance to noncurrent loans | 101.0283% | 3,304 |
| Noncurrent assets plus other real estate owned to assets | 0.8871% | 1,542 |
| Noncurrent loans to loans | 1.0542% | 1,517 |
| Net loans and leases to total assets | 83.2528% | 422 |
| Net loans and leases to deposits | 103.2963% | 440 |
| Net loans and leases to core deposits | 143.0957% | 155 |
| Total domestic deposits to total assets | 80.5961% | 3,846 |
| Equity capital to assets | 13.4772% | 1,376 |
| Core capital (leverage) ratio | 13.4166% | 1,160 |
| Tier 1 risk-based capital ratio | 14.5842% | 3,032 |
| Total risk-based capital ratio | 15.5583% | 3,077 |
| Memoranda: | ||
| Average total assets | $43,150,500 | 4,921 |
| Average earning assets | $41,067,500 | 4,897 |
| Average equity | $5,653,000 | 4,869 |
| Average total loans | $35,206,500 | 4,589 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4937% | 113 |
| Cost of funding earning assets | 1.4170% | 501 |
| Net interest margin | 5.0768% | 248 |
| Noninterest income to average assets | 0.1911% | 4,610 |
| Noninterest expense to average assets | 2.5864% | 3,221 |
| Loan and lease loss provision to assets | 0.0699% | 2,420 |
| Net operating income to assets | 1.8221% | 567 |
| Return on assets (ROA) | 1.8221% | 591 |
| Pretax return on assets | 2.3767% | 300 |
| Return on Equity (ROE) | 14.0462% | 970 |
| Retained earnings to average equity (ytd only) | 8.9450% | 1,042 |
| Net charge-offs to loans | 0.3349% | 512 |
| Credit loss provision to net charge-offs | 25.8621% | 2,621 |
| Earnings coverage of net charge-offs (x) | 9.0517% | 2,363 |
| Efficiency ratio | 51.3889% | 4,696 |
| Assets per employee ($millions) | 4.8724% | 2,629 |
| Cash dividends to net income (ytd only)* | 36.3171% | 2,361 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0122% | 3,552 |
| Loan loss allowance to noncurrent loans | 96.9152% | 3,386 |
| Noncurrent assets plus other real estate owned to assets | 0.8871% | 1,582 |
| Noncurrent loans to loans | 1.0444% | 1,570 |
| Net loans and leases to total assets | 84.0737% | 355 |
| Net loans and leases to deposits | 102.9775% | 475 |
| Net loans and leases to core deposits | 143.2268% | 174 |
| Total domestic deposits to total assets | 81.6428% | 3,623 |
| Equity capital to assets | 13.0940% | 1,548 |
| Core capital (leverage) ratio | 13.2554% | 1,201 |
| Tier 1 risk-based capital ratio | 14.2448% | 3,189 |
| Total risk-based capital ratio | 15.1815% | 3,263 |
| Memoranda: | ||
| Average total assets | $42,916,670 | 4,968 |
| Average earning assets | $40,931,670 | 4,945 |
| Average equity | $5,567,330 | 4,909 |
| Average total loans | $34,641,670 | 4,636 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5555% | 113 |
| Cost of funding earning assets | 1.4139% | 434 |
| Net interest margin | 5.1416% | 222 |
| Noninterest income to average assets | 0.1979% | 4,572 |
| Noninterest expense to average assets | 2.5913% | 3,240 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.9223% | 442 |
| Return on assets (ROA) | 1.9223% | 457 |
| Pretax return on assets | 2.5065% | 245 |
| Return on Equity (ROE) | 14.8905% | 770 |
| Retained earnings to average equity (ytd only) | 4.5255% | 3,111 |
| Net charge-offs to loans | -0.0120% | 4,295 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.8318% | 4,771 |
| Assets per employee ($millions) | 4.7471% | 2,853 |
| Cash dividends to net income (ytd only)* | 69.6078% | 1,126 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2582% | 2,282 |
| Loan loss allowance to noncurrent loans | 231.3187% | 1,946 |
| Noncurrent assets plus other real estate owned to assets | 0.4260% | 2,885 |
| Noncurrent loans to loans | 0.5439% | 2,681 |
| Net loans and leases to total assets | 77.3336% | 1,270 |
| Net loans and leases to deposits | 94.1606% | 1,154 |
| Net loans and leases to core deposits | 131.9700% | 285 |
| Total domestic deposits to total assets | 82.1295% | 3,692 |
| Equity capital to assets | 12.9295% | 1,495 |
| Core capital (leverage) ratio | 13.0670% | 1,239 |
| Tier 1 risk-based capital ratio | 15.1817% | 2,803 |
| Total risk-based capital ratio | 16.3373% | 2,762 |
| Memoranda: | ||
| Average total assets | $42,449,000 | 5,025 |
| Average earning assets | $40,454,500 | 4,996 |
| Average equity | $5,480,000 | 4,966 |
| Average total loans | $33,340,000 | 4,721 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5198% | 85 |
| Cost of funding earning assets | 1.1297% | 457 |
| Net interest margin | 5.3901% | 132 |
| Noninterest income to average assets | 0.2015% | 4,703 |
| Noninterest expense to average assets | 2.8283% | 2,585 |
| Loan and lease loss provision to assets | 0.0737% | 2,658 |
| Net operating income to assets | 1.8577% | 496 |
| Return on assets (ROA) | 1.8577% | 492 |
| Pretax return on assets | 2.4229% | 239 |
| Return on Equity (ROE) | 14.9165% | 850 |
| Retained earnings to average equity (ytd only) | 14.9165% | 119 |
| Net charge-offs to loans | -0.0060% | 4,383 |
| Credit loss provision to net charge-offs | -1,500.0000% | 4,788 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.1149% | 4,709 |
| Assets per employee ($millions) | 4.6860% | 2,900 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2643% | 2,228 |
| Loan loss allowance to noncurrent loans | 688.5246% | 830 |
| Noncurrent assets plus other real estate owned to assets | 0.1446% | 4,106 |
| Noncurrent loans to loans | 0.1836% | 3,921 |
| Net loans and leases to total assets | 77.7707% | 1,310 |
| Net loans and leases to deposits | 94.6881% | 1,206 |
| Net loans and leases to core deposits | 139.7724% | 202 |
| Total domestic deposits to total assets | 82.1335% | 3,608 |
| Equity capital to assets | 12.8895% | 1,396 |
| Core capital (leverage) ratio | 13.0118% | 1,245 |
| Tier 1 risk-based capital ratio | 15.0351% | 2,817 |
| Total risk-based capital ratio | 16.1897% | 2,784 |
| Memoranda: | ||
| Average total assets | $40,695,600 | 5,087 |
| Average earning assets | $38,682,200 | 5,062 |
| Average equity | $5,068,200 | 5,042 |
| Average total loans | $33,517,000 | 4,734 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4925% | 87 |
| Cost of funding earning assets | 1.0537% | 475 |
| Net interest margin | 5.4388% | 117 |
| Noninterest income to average assets | 0.1918% | 4,826 |
| Noninterest expense to average assets | 2.7013% | 2,977 |
| Loan and lease loss provision to assets | 0.0992% | 2,010 |
| Net operating income to assets | 1.9639% | 419 |
| Return on assets (ROA) | 1.9639% | 414 |
| Pretax return on assets | 2.5624% | 205 |
| Return on Equity (ROE) | 15.9152% | 708 |
| Retained earnings to average equity (ytd only) | 15.9152% | 139 |
| Net charge-offs to loans | -0.0040% | 4,184 |
| Credit loss provision to net charge-offs | -3,000.0000% | 4,794 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.3699% | 4,922 |
| Assets per employee ($millions) | 4.4891% | 3,143 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2515% | 2,360 |
| Loan loss allowance to noncurrent loans | 952.2727% | 624 |
| Noncurrent assets plus other real estate owned to assets | 0.1089% | 4,426 |
| Noncurrent loans to loans | 0.1314% | 4,289 |
| Net loans and leases to total assets | 81.8276% | 743 |
| Net loans and leases to deposits | 100.0091% | 782 |
| Net loans and leases to core deposits | 146.4971% | 158 |
| Total domestic deposits to total assets | 81.8202% | 3,663 |
| Equity capital to assets | 13.0018% | 1,337 |
| Core capital (leverage) ratio | 13.2998% | 1,177 |
| Tier 1 risk-based capital ratio | 14.6021% | 3,063 |
| Total risk-based capital ratio | 15.7550% | 3,035 |
| Memoranda: | ||
| Average total assets | $40,326,000 | 5,156 |
| Average earning assets | $38,340,750 | 5,132 |
| Average equity | $4,976,250 | 5,115 |
| Average total loans | $33,591,500 | 4,781 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4212% | 84 |
| Cost of funding earning assets | 1.0363% | 392 |
| Net interest margin | 5.3848% | 128 |
| Noninterest income to average assets | 0.1538% | 5,055 |
| Noninterest expense to average assets | 2.6501% | 3,162 |
| Loan and lease loss provision to assets | 0.1489% | 1,280 |
| Net operating income to assets | 1.9057% | 468 |
| Return on assets (ROA) | 1.9057% | 463 |
| Pretax return on assets | 2.4863% | 230 |
| Return on Equity (ROE) | 15.7248% | 725 |
| Retained earnings to average equity (ytd only) | 15.7248% | 167 |
| Net charge-offs to loans | 0.0892% | 1,457 |
| Credit loss provision to net charge-offs | 200.0000% | 1,298 |
| Earnings coverage of net charge-offs (x) | 35.4000% | 1,381 |
| Efficiency ratio | 50.1408% | 5,020 |
| Assets per employee ($millions) | 4.0544% | 3,807 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1902% | 2,783 |
| Loan loss allowance to noncurrent loans | 5,037.5000% | 161 |
| Noncurrent assets plus other real estate owned to assets | 0.0197% | 4,933 |
| Noncurrent loans to loans | 0.0236% | 4,825 |
| Net loans and leases to total assets | 82.5202% | 648 |
| Net loans and leases to deposits | 99.2848% | 854 |
| Net loans and leases to core deposits | 146.9862% | 141 |
| Total domestic deposits to total assets | 83.1146% | 3,382 |
| Equity capital to assets | 12.4877% | 1,542 |
| Core capital (leverage) ratio | 12.4997% | 1,439 |
| Tier 1 risk-based capital ratio | 13.9559% | 3,376 |
| Total risk-based capital ratio | 15.0596% | 3,369 |
| Memoranda: | ||
| Average total assets | $40,300,670 | 5,216 |
| Average earning assets | $38,404,330 | 5,188 |
| Average equity | $4,884,000 | 5,179 |
| Average total loans | $33,629,000 | 4,818 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2701% | 95 |
| Cost of funding earning assets | 1.0103% | 356 |
| Net interest margin | 5.2598% | 150 |
| Noninterest income to average assets | 0.2091% | 4,764 |
| Noninterest expense to average assets | 2.6282% | 3,250 |
| Loan and lease loss provision to assets | 0.1493% | 1,219 |
| Net operating income to assets | 1.8915% | 460 |
| Return on assets (ROA) | 1.8915% | 465 |
| Pretax return on assets | 2.4590% | 235 |
| Return on Equity (ROE) | 15.8515% | 653 |
| Retained earnings to average equity (ytd only) | 15.8515% | 259 |
| Net charge-offs to loans | 0.1671% | 862 |
| Credit loss provision to net charge-offs | 107.1429% | 1,472 |
| Earnings coverage of net charge-offs (x) | 18.7143% | 1,528 |
| Efficiency ratio | 50.1901% | 5,072 |
| Assets per employee ($millions) | 4.4996% | 3,158 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1582% | 3,049 |
| Loan loss allowance to noncurrent loans | 7,780.0000% | 116 |
| Noncurrent assets plus other real estate owned to assets | 0.0123% | 5,063 |
| Noncurrent loans to loans | 0.0149% | 4,926 |
| Net loans and leases to total assets | 81.9809% | 666 |
| Net loans and leases to deposits | 97.8456% | 874 |
| Net loans and leases to core deposits | 179.5705% | 50 |
| Total domestic deposits to total assets | 83.7861% | 3,408 |
| Equity capital to assets | 12.0358% | 1,759 |
| Core capital (leverage) ratio | 12.1959% | 1,530 |
| Tier 1 risk-based capital ratio | 13.5090% | 3,647 |
| Total risk-based capital ratio | 14.5810% | 3,670 |
| Memoranda: | ||
| Average total assets | $40,179,000 | 5,275 |
| Average earning assets | $38,404,500 | 5,251 |
| Average equity | $4,794,500 | 5,247 |
| Average total loans | $33,513,500 | 4,879 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9832% | 138 |
| Cost of funding earning assets | 0.9629% | 267 |
| Net interest margin | 5.0203% | 231 |
| Noninterest income to average assets | 0.3914% | 3,697 |
| Noninterest expense to average assets | 2.6458% | 3,295 |
| Loan and lease loss provision to assets | 0.0652% | 2,904 |
| Net operating income to assets | 1.5034% | 801 |
| Return on assets (ROA) | 1.5134% | 791 |
| Pretax return on assets | 2.4710% | 185 |
| Return on Equity (ROE) | 13.0996% | 932 |
| Retained earnings to average equity (ytd only) | 13.0996% | 129 |
| Net charge-offs to loans | -0.0096% | 4,782 |
| Credit loss provision to net charge-offs | -833.3333% | 5,033 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.2121% | 5,151 |
| Assets per employee ($millions) | 4.9828% | 2,501 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1603% | 3,005 |
| Loan loss allowance to noncurrent loans | 554.2857% | 1,007 |
| Noncurrent assets plus other real estate owned to assets | 0.1756% | 4,248 |
| Noncurrent loans to loans | 0.2093% | 4,073 |
| Net loans and leases to total assets | 82.9136% | 575 |
| Net loans and leases to deposits | 97.7638% | 920 |
| Net loans and leases to core deposits | 147.4701% | 145 |
| Total domestic deposits to total assets | 84.8101% | 2,910 |
| Equity capital to assets | 11.8283% | 1,965 |
| Core capital (leverage) ratio | 11.8460% | 1,694 |
| Tier 1 risk-based capital ratio | 13.0195% | 3,892 |
| Total risk-based capital ratio | 14.0915% | 3,901 |
| Memoranda: | ||
| Average total assets | $38,324,600 | 5,354 |
| Average earning assets | $36,452,000 | 5,329 |
| Average equity | $4,427,600 | 5,353 |
| Average total loans | $31,312,400 | 4,991 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8719% | 150 |
| Cost of funding earning assets | 0.9361% | 280 |
| Net interest margin | 4.9358% | 258 |
| Noninterest income to average assets | 0.2460% | 4,730 |
| Noninterest expense to average assets | 2.5302% | 3,624 |
| Loan and lease loss provision to assets | 0.0878% | 2,327 |
| Net operating income to assets | 1.5150% | 865 |
| Return on assets (ROA) | 1.5287% | 864 |
| Pretax return on assets | 2.3370% | 282 |
| Return on Equity (ROE) | 13.3155% | 983 |
| Retained earnings to average equity (ytd only) | 13.3155% | 192 |
| Net charge-offs to loans | -0.0996% | 5,380 |
| Credit loss provision to net charge-offs | -108.6957% | 4,521 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.2821% | 5,160 |
| Assets per employee ($millions) | 4.8856% | 2,588 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2581% | 2,592 |
| Loan loss allowance to noncurrent loans | 453.3333% | 1,148 |
| Noncurrent assets plus other real estate owned to assets | 0.2303% | 4,140 |
| Noncurrent loans to loans | 0.2775% | 3,955 |
| Net loans and leases to total assets | 81.9266% | 704 |
| Net loans and leases to deposits | 99.0902% | 812 |
| Net loans and leases to core deposits | 152.5391% | 107 |
| Total domestic deposits to total assets | 82.6788% | 3,555 |
| Equity capital to assets | 11.7718% | 2,132 |
| Core capital (leverage) ratio | 12.0827% | 1,634 |
| Tier 1 risk-based capital ratio | 13.0522% | 3,973 |
| Total risk-based capital ratio | 14.2180% | 3,939 |
| Memoranda: | ||
| Average total assets | $37,940,250 | 5,420 |
| Average earning assets | $36,035,000 | 5,390 |
| Average equity | $4,355,750 | 5,424 |
| Average total loans | $30,780,750 | 5,054 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8188% | 160 |
| Cost of funding earning assets | 0.9155% | 275 |
| Net interest margin | 4.9033% | 259 |
| Noninterest income to average assets | 0.2396% | 4,806 |
| Noninterest expense to average assets | 2.6039% | 3,423 |
| Loan and lease loss provision to assets | 0.1331% | 1,561 |
| Net operating income to assets | 1.4058% | 1,053 |
| Return on assets (ROA) | 1.4058% | 1,080 |
| Pretax return on assets | 2.1513% | 396 |
| Return on Equity (ROE) | 12.3538% | 1,198 |
| Retained earnings to average equity (ytd only) | 12.3538% | 288 |
| Net charge-offs to loans | -0.1522% | 5,530 |
| Credit loss provision to net charge-offs | -108.6957% | 4,361 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.2680% | 5,077 |
| Assets per employee ($millions) | 5.4149% | 1,951 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3323% | 2,263 |
| Loan loss allowance to noncurrent loans | 497.5610% | 1,037 |
| Noncurrent assets plus other real estate owned to assets | 0.2163% | 4,291 |
| Noncurrent loans to loans | 0.2678% | 4,082 |
| Net loans and leases to total assets | 79.7172% | 994 |
| Net loans and leases to deposits | 91.9481% | 1,499 |
| Net loans and leases to core deposits | 145.9851% | 148 |
| Total domestic deposits to total assets | 86.6980% | 2,088 |
| Equity capital to assets | 11.7006% | 2,150 |
| Core capital (leverage) ratio | 11.7964% | 1,771 |
| Tier 1 risk-based capital ratio | 13.2492% | 3,840 |
| Total risk-based capital ratio | 14.4786% | 3,767 |
| Memoranda: | ||
| Average total assets | $37,558,670 | 5,472 |
| Average earning assets | $35,608,670 | 5,440 |
| Average equity | $4,274,000 | 5,478 |
| Average total loans | $30,231,330 | 5,107 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4633% | 248 |
| Cost of funding earning assets | 0.8899% | 299 |
| Net interest margin | 4.5734% | 459 |
| Noninterest income to average assets | 0.1926% | 5,118 |
| Noninterest expense to average assets | 2.6534% | 3,298 |
| Loan and lease loss provision to assets | 0.1070% | 1,785 |
| Net operating income to assets | 1.1769% | 1,566 |
| Return on assets (ROA) | 1.1769% | 1,608 |
| Pretax return on assets | 1.7761% | 844 |
| Return on Equity (ROE) | 10.4924% | 1,743 |
| Retained earnings to average equity (ytd only) | 10.4924% | 706 |
| Net charge-offs to loans | -0.2797% | 5,676 |
| Credit loss provision to net charge-offs | -47.6190% | 3,865 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.4906% | 4,661 |
| Assets per employee ($millions) | 4.1619% | 3,739 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2918% | 2,578 |
| Loan loss allowance to noncurrent loans | 97.0223% | 3,666 |
| Noncurrent assets plus other real estate owned to assets | 1.0759% | 1,666 |
| Noncurrent loans to loans | 1.3314% | 1,520 |
| Net loans and leases to total assets | 79.7635% | 860 |
| Net loans and leases to deposits | 90.3229% | 1,498 |
| Net loans and leases to core deposits | 144.5568% | 135 |
| Total domestic deposits to total assets | 88.3093% | 1,528 |
| Equity capital to assets | 11.3730% | 2,285 |
| Core capital (leverage) ratio | 11.5689% | 1,901 |
| Tier 1 risk-based capital ratio | 12.9859% | 4,087 |
| Total risk-based capital ratio | 14.1825% | 4,015 |
| Memoranda: | ||
| Average total assets | $37,386,000 | 5,536 |
| Average earning assets | $35,509,500 | 5,503 |
| Average equity | $4,193,500 | 5,550 |
| Average total loans | $30,035,000 | 5,160 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7003% | 192 |
| Cost of funding earning assets | 0.8537% | 382 |
| Net interest margin | 4.8466% | 319 |
| Noninterest income to average assets | 0.8360% | 1,632 |
| Noninterest expense to average assets | 2.7493% | 3,195 |
| Loan and lease loss provision to assets | 0.3871% | 411 |
| Net operating income to assets | 1.5261% | 788 |
| Return on assets (ROA) | 1.5261% | 816 |
| Pretax return on assets | 2.3341% | 257 |
| Return on Equity (ROE) | 13.9451% | 784 |
| Retained earnings to average equity (ytd only) | 13.9451% | 130 |
| Net charge-offs to loans | 0.4411% | 577 |
| Credit loss provision to net charge-offs | 108.6614% | 2,418 |
| Earnings coverage of net charge-offs (x) | 7.6378% | 2,988 |
| Efficiency ratio | 50.2564% | 5,475 |
| Assets per employee ($millions) | 4.1461% | 3,715 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2080% | 3,075 |
| Loan loss allowance to noncurrent loans | 61.7496% | 4,404 |
| Noncurrent assets plus other real estate owned to assets | 1.5624% | 1,040 |
| Noncurrent loans to loans | 1.9562% | 931 |
| Net loans and leases to total assets | 78.9012% | 1,059 |
| Net loans and leases to deposits | 89.2074% | 1,778 |
| Net loans and leases to core deposits | 146.3611% | 137 |
| Total domestic deposits to total assets | 88.4470% | 1,409 |
| Equity capital to assets | 11.0599% | 2,579 |
| Core capital (leverage) ratio | 11.1093% | 2,249 |
| Tier 1 risk-based capital ratio | 12.7227% | 4,263 |
| Total risk-based capital ratio | 13.8303% | 4,230 |
| Memoranda: | ||
| Average total assets | $35,645,800 | 5,624 |
| Average earning assets | $34,086,000 | 5,584 |
| Average equity | $3,901,000 | 5,654 |
| Average total loans | $28,791,600 | 5,236 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7169% | 184 |
| Cost of funding earning assets | 0.8342% | 420 |
| Net interest margin | 4.8827% | 316 |
| Noninterest income to average assets | 1.0332% | 1,067 |
| Noninterest expense to average assets | 2.6947% | 3,365 |
| Loan and lease loss provision to assets | 0.4617% | 286 |
| Net operating income to assets | 1.6653% | 641 |
| Return on assets (ROA) | 1.6653% | 679 |
| Pretax return on assets | 2.5509% | 203 |
| Return on Equity (ROE) | 15.2595% | 638 |
| Retained earnings to average equity (ytd only) | 15.2595% | 129 |
| Net charge-offs to loans | 0.2383% | 984 |
| Credit loss provision to net charge-offs | 239.2157% | 1,238 |
| Earnings coverage of net charge-offs (x) | 15.6075% | 2,172 |
| Efficiency ratio | 47.2149% | 5,621 |
| Assets per employee ($millions) | 4.2256% | 3,548 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3542% | 2,418 |
| Loan loss allowance to noncurrent loans | 64.4172% | 4,394 |
| Noncurrent assets plus other real estate owned to assets | 1.7144% | 991 |
| Noncurrent loans to loans | 2.1022% | 914 |
| Net loans and leases to total assets | 80.4496% | 823 |
| Net loans and leases to deposits | 96.3410% | 1,017 |
| Net loans and leases to core deposits | 164.9415% | 74 |
| Total domestic deposits to total assets | 83.5051% | 3,395 |
| Equity capital to assets | 10.7783% | 3,268 |
| Core capital (leverage) ratio | 10.6750% | 2,808 |
| Tier 1 risk-based capital ratio | 11.8871% | 4,860 |
| Total risk-based capital ratio | 13.1374% | 4,758 |
| Memoranda: | ||
| Average total assets | $35,228,500 | 5,692 |
| Average earning assets | $33,723,500 | 5,650 |
| Average equity | $3,844,500 | 5,720 |
| Average total loans | $28,539,000 | 5,291 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7743% | 172 |
| Cost of funding earning assets | 0.8145% | 452 |
| Net interest margin | 4.9598% | 279 |
| Noninterest income to average assets | 0.7581% | 1,898 |
| Noninterest expense to average assets | 2.7468% | 3,214 |
| Loan and lease loss provision to assets | 0.5424% | 227 |
| Net operating income to assets | 1.4113% | 1,044 |
| Return on assets (ROA) | 1.4113% | 1,093 |
| Pretax return on assets | 2.2278% | 357 |
| Return on Equity (ROE) | 12.8735% | 1,064 |
| Retained earnings to average equity (ytd only) | 12.8735% | 242 |
| Net charge-offs to loans | 0.3753% | 616 |
| Credit loss provision to net charge-offs | 178.8462% | 1,409 |
| Earnings coverage of net charge-offs (x) | 9.1346% | 2,447 |
| Efficiency ratio | 49.7886% | 5,575 |
| Assets per employee ($millions) | 3.9920% | 3,917 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3353% | 2,595 |
| Loan loss allowance to noncurrent loans | 58.2090% | 4,625 |
| Noncurrent assets plus other real estate owned to assets | 1.8648% | 910 |
| Noncurrent loans to loans | 2.2940% | 796 |
| Net loans and leases to total assets | 80.2049% | 866 |
| Net loans and leases to deposits | 96.6299% | 1,014 |
| Net loans and leases to core deposits | 163.7087% | 80 |
| Total domestic deposits to total assets | 83.0021% | 3,653 |
| Equity capital to assets | 10.8884% | 3,178 |
| Core capital (leverage) ratio | 10.8743% | 2,561 |
| Tier 1 risk-based capital ratio | 12.8101% | 4,307 |
| Total risk-based capital ratio | 14.0607% | 4,221 |
| Memoranda: | ||
| Average total assets | $34,294,670 | 5,773 |
| Average earning assets | $32,904,670 | 5,735 |
| Average equity | $3,759,670 | 5,798 |
| Average total loans | $27,713,670 | 5,383 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6304% | 212 |
| Cost of funding earning assets | 0.8097% | 470 |
| Net interest margin | 4.8207% | 348 |
| Noninterest income to average assets | 0.2270% | 5,113 |
| Noninterest expense to average assets | 2.8317% | 2,950 |
| Loan and lease loss provision to assets | 0.1314% | 1,608 |
| Net operating income to assets | 1.2187% | 1,495 |
| Return on assets (ROA) | 1.2187% | 1,597 |
| Pretax return on assets | 1.8878% | 710 |
| Return on Equity (ROE) | 11.0764% | 1,576 |
| Retained earnings to average equity (ytd only) | 11.0764% | 639 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.3744% | 4,954 |
| Assets per employee ($millions) | 3.7724% | 4,357 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3082% | 2,862 |
| Loan loss allowance to noncurrent loans | 209.3023% | 2,154 |
| Noncurrent assets plus other real estate owned to assets | 0.5066% | 3,580 |
| Noncurrent loans to loans | 0.6250% | 3,301 |
| Net loans and leases to total assets | 79.9923% | 809 |
| Net loans and leases to deposits | 92.2802% | 1,307 |
| Net loans and leases to core deposits | 155.5053% | 95 |
| Total domestic deposits to total assets | 86.6841% | 2,365 |
| Equity capital to assets | 11.0568% | 2,878 |
| Core capital (leverage) ratio | 11.0028% | 2,404 |
| Tier 1 risk-based capital ratio | 12.9969% | 4,273 |
| Total risk-based capital ratio | 14.2435% | 4,187 |
| Memoranda: | ||
| Average total assets | $33,478,000 | 5,847 |
| Average earning assets | $32,111,500 | 5,807 |
| Average equity | $3,683,500 | 5,860 |
| Average total loans | $26,967,500 | 5,451 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4797% | 275 |
| Cost of funding earning assets | 0.6790% | 919 |
| Net interest margin | 4.8007% | 372 |
| Noninterest income to average assets | 0.1879% | 5,471 |
| Noninterest expense to average assets | 2.9654% | 2,659 |
| Loan and lease loss provision to assets | 0.0348% | 3,652 |
| Net operating income to assets | 1.1416% | 1,760 |
| Return on assets (ROA) | 1.1416% | 1,830 |
| Pretax return on assets | 1.7403% | 915 |
| Return on Equity (ROE) | 9.5205% | 2,211 |
| Retained earnings to average equity (ytd only) | 9.5205% | 530 |
| Net charge-offs to loans | -0.0734% | 5,687 |
| Credit loss provision to net charge-offs | -62.5000% | 5,077 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5551% | 4,527 |
| Assets per employee ($millions) | 3.6671% | 4,537 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3212% | 2,789 |
| Loan loss allowance to noncurrent loans | 8,725.0000% | 113 |
| Noncurrent assets plus other real estate owned to assets | 0.0121% | 5,656 |
| Noncurrent loans to loans | 0.0151% | 5,470 |
| Net loans and leases to total assets | 78.9813% | 996 |
| Net loans and leases to deposits | 91.8596% | 1,423 |
| Net loans and leases to core deposits | 149.3811% | 114 |
| Total domestic deposits to total assets | 85.9805% | 2,646 |
| Equity capital to assets | 10.9472% | 2,876 |
| Core capital (leverage) ratio | 11.0265% | 2,376 |
| Tier 1 risk-based capital ratio | 13.1615% | 4,198 |
| Total risk-based capital ratio | 14.4120% | 4,121 |
| Memoranda: | ||
| Average total assets | $28,731,200 | 5,980 |
| Average earning assets | $27,246,000 | 5,944 |
| Average equity | $3,445,200 | 5,931 |
| Average total loans | $21,792,400 | 5,653 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3958% | 321 |
| Cost of funding earning assets | 0.6369% | 1,168 |
| Net interest margin | 4.7589% | 410 |
| Noninterest income to average assets | 0.1398% | 5,788 |
| Noninterest expense to average assets | 2.8871% | 2,892 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.1471% | 1,842 |
| Return on assets (ROA) | 1.1471% | 1,907 |
| Pretax return on assets | 1.7544% | 982 |
| Return on Equity (ROE) | 9.3243% | 2,405 |
| Retained earnings to average equity (ytd only) | 9.3243% | 786 |
| Net charge-offs to loans | -0.1034% | 5,796 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2015% | 4,538 |
| Assets per employee ($millions) | 3.4802% | 4,825 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3834% | 2,685 |
| Loan loss allowance to noncurrent loans | 11,266.6667% | 85 |
| Noncurrent assets plus other real estate owned to assets | 0.0096% | 5,764 |
| Noncurrent loans to loans | 0.0123% | 5,593 |
| Net loans and leases to total assets | 76.9236% | 1,257 |
| Net loans and leases to deposits | 92.6158% | 1,346 |
| Net loans and leases to core deposits | 146.1660% | 128 |
| Total domestic deposits to total assets | 83.0566% | 3,799 |
| Equity capital to assets | 11.2860% | 2,716 |
| Core capital (leverage) ratio | 11.8142% | 1,805 |
| Tier 1 risk-based capital ratio | 13.9452% | 3,877 |
| Total risk-based capital ratio | 15.1967% | 3,817 |
| Memoranda: | ||
| Average total assets | $27,663,000 | 6,077 |
| Average earning assets | $26,168,000 | 6,048 |
| Average equity | $3,403,250 | 6,014 |
| Average total loans | $20,636,500 | 5,765 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4407% | 296 |
| Cost of funding earning assets | 0.6161% | 1,306 |
| Net interest margin | 4.8246% | 344 |
| Noninterest income to average assets | 0.0227% | 6,225 |
| Noninterest expense to average assets | 2.9724% | 2,641 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.0664% | 2,072 |
| Return on assets (ROA) | 1.0664% | 2,178 |
| Pretax return on assets | 1.6110% | 1,300 |
| Return on Equity (ROE) | 8.3945% | 2,850 |
| Retained earnings to average equity (ytd only) | 8.3945% | 1,120 |
| Net charge-offs to loans | -0.1549% | 5,946 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8515% | 4,217 |
| Assets per employee ($millions) | 3.4775% | 4,848 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6045% | 1,896 |
| Loan loss allowance to noncurrent loans | 8,425.0000% | 72 |
| Noncurrent assets plus other real estate owned to assets | 0.0144% | 5,840 |
| Noncurrent loans to loans | 0.0190% | 5,687 |
| Net loans and leases to total assets | 74.2847% | 1,619 |
| Net loans and leases to deposits | 91.1280% | 1,469 |
| Net loans and leases to core deposits | 130.0976% | 272 |
| Total domestic deposits to total assets | 81.5169% | 4,443 |
| Equity capital to assets | 12.2933% | 1,807 |
| Core capital (leverage) ratio | 12.7727% | 1,266 |
| Tier 1 risk-based capital ratio | 15.7427% | 2,982 |
| Total risk-based capital ratio | 16.9968% | 2,931 |
| Memoranda: | ||
| Average total assets | $26,443,330 | 6,163 |
| Average earning assets | $24,996,670 | 6,132 |
| Average equity | $3,359,330 | 6,082 |
| Average total loans | $19,371,330 | 5,875 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2174% | 396 |
| Cost of funding earning assets | 0.6274% | 1,249 |
| Net interest margin | 4.5900% | 509 |
| Noninterest income to average assets | 0.2485% | 5,174 |
| Noninterest expense to average assets | 3.0285% | 2,487 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.0250% | 2,144 |
| Return on assets (ROA) | 1.0250% | 2,293 |
| Pretax return on assets | 1.5376% | 1,430 |
| Return on Equity (ROE) | 7.9303% | 2,988 |
| Retained earnings to average equity (ytd only) | 7.9303% | 1,592 |
| Net charge-offs to loans | -0.3449% | 6,178 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3265% | 4,092 |
| Assets per employee ($millions) | 3.6741% | 4,568 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8674% | 1,350 |
| Loan loss allowance to noncurrent loans | 6,760.0000% | 97 |
| Noncurrent assets plus other real estate owned to assets | 0.5560% | 3,815 |
| Noncurrent loans to loans | 0.0276% | 5,696 |
| Net loans and leases to total assets | 69.0618% | 2,274 |
| Net loans and leases to deposits | 79.7934% | 2,580 |
| Net loans and leases to core deposits | 87.5407% | 2,370 |
| Total domestic deposits to total assets | 86.5508% | 2,633 |
| Equity capital to assets | 13.1226% | 1,337 |
| Core capital (leverage) ratio | 12.9410% | 1,174 |
| Tier 1 risk-based capital ratio | 17.9227% | 2,161 |
| Total risk-based capital ratio | 19.1779% | 2,120 |
| Memoranda: | ||
| Average total assets | $25,755,000 | 6,245 |
| Average earning assets | $24,226,500 | 6,207 |
| Average equity | $3,329,000 | 6,146 |
| Average total loans | $18,555,500 | 5,955 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6360% | 255 |
| Cost of funding earning assets | 0.6673% | 1,283 |
| Net interest margin | 4.9687% | 322 |
| Noninterest income to average assets | 0.2879% | 5,061 |
| Noninterest expense to average assets | 3.1397% | 2,391 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.1872% | 1,625 |
| Return on assets (ROA) | 1.1872% | 1,697 |
| Pretax return on assets | 1.8183% | 762 |
| Return on Equity (ROE) | 9.7210% | 2,247 |
| Retained earnings to average equity (ytd only) | 9.7210% | 566 |
| Net charge-offs to loans | 0.0054% | 4,830 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 461.0000% | 112 |
| Efficiency ratio | 63.3254% | 4,699 |
| Assets per employee ($millions) | 3.6844% | 4,559 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6938% | 1,787 |
| Loan loss allowance to noncurrent loans | 5,366.6667% | 153 |
| Noncurrent assets plus other real estate owned to assets | 0.5583% | 3,935 |
| Noncurrent loans to loans | 0.0316% | 5,762 |
| Net loans and leases to total assets | 72.4633% | 1,838 |
| Net loans and leases to deposits | 84.1165% | 2,201 |
| Net loans and leases to core deposits | 92.2868% | 2,059 |
| Total domestic deposits to total assets | 86.1463% | 2,755 |
| Equity capital to assets | 12.7292% | 1,518 |
| Core capital (leverage) ratio | 12.5563% | 1,332 |
| Tier 1 risk-based capital ratio | 17.2942% | 2,385 |
| Total risk-based capital ratio | 18.5458% | 2,345 |
| Memoranda: | ||
| Average total assets | $25,353,000 | 6,334 |
| Average earning assets | $23,829,000 | 6,296 |
| Average equity | $3,096,400 | 6,251 |
| Average total loans | $18,451,600 | 6,022 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6258% | 259 |
| Cost of funding earning assets | 0.6675% | 1,337 |
| Net interest margin | 4.9583% | 325 |
| Noninterest income to average assets | 0.2746% | 5,240 |
| Noninterest expense to average assets | 3.0792% | 2,528 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.2148% | 1,631 |
| Return on assets (ROA) | 1.2148% | 1,695 |
| Pretax return on assets | 1.8645% | 771 |
| Return on Equity (ROE) | 10.0553% | 2,193 |
| Retained earnings to average equity (ytd only) | 10.0553% | 691 |
| Net charge-offs to loans | 0.3568% | 1,132 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 7.2042% | 2,960 |
| Efficiency ratio | 62.2863% | 4,847 |
| Assets per employee ($millions) | 3.6217% | 4,636 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4979% | 2,722 |
| Loan loss allowance to noncurrent loans | 782.8571% | 684 |
| Noncurrent assets plus other real estate owned to assets | 0.6824% | 3,780 |
| Noncurrent loans to loans | 0.1913% | 5,333 |
| Net loans and leases to total assets | 71.0713% | 2,014 |
| Net loans and leases to deposits | 81.8330% | 2,450 |
| Net loans and leases to core deposits | 89.8609% | 2,235 |
| Total domestic deposits to total assets | 86.8492% | 2,397 |
| Equity capital to assets | 12.6302% | 1,622 |
| Core capital (leverage) ratio | 12.4721% | 1,413 |
| Tier 1 risk-based capital ratio | 17.2556% | 2,498 |
| Total risk-based capital ratio | 18.5055% | 2,460 |
| Memoranda: | ||
| Average total assets | $25,243,500 | 6,413 |
| Average earning assets | $23,771,000 | 6,376 |
| Average equity | $3,049,750 | 6,330 |
| Average total loans | $18,311,750 | 6,097 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6265% | 253 |
| Cost of funding earning assets | 0.6728% | 1,354 |
| Net interest margin | 4.9537% | 310 |
| Noninterest income to average assets | 0.2539% | 5,375 |
| Noninterest expense to average assets | 3.0705% | 2,594 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.2139% | 1,549 |
| Return on assets (ROA) | 1.2139% | 1,607 |
| Pretax return on assets | 1.8566% | 749 |
| Return on Equity (ROE) | 10.2034% | 2,058 |
| Retained earnings to average equity (ytd only) | 10.2034% | 678 |
| Net charge-offs to loans | -0.0546% | 5,922 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3188% | 4,962 |
| Assets per employee ($millions) | 3.2458% | 5,346 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7305% | 2,037 |
| Loan loss allowance to noncurrent loans | 160.7843% | 2,568 |
| Noncurrent assets plus other real estate owned to assets | 0.7856% | 3,610 |
| Noncurrent loans to loans | 1.0763% | 3,077 |
| Net loans and leases to total assets | 71.7323% | 1,790 |
| Net loans and leases to deposits | 84.2805% | 2,008 |
| Net loans and leases to core deposits | 92.5010% | 1,898 |
| Total domestic deposits to total assets | 85.1113% | 3,450 |
| Equity capital to assets | 11.9733% | 2,008 |
| Core capital (leverage) ratio | 11.8071% | 1,781 |
| Tier 1 risk-based capital ratio | 16.5453% | 2,804 |
| Total risk-based capital ratio | 17.8000% | 2,768 |
| Memoranda: | ||
| Average total assets | $25,207,330 | 6,478 |
| Average earning assets | $23,780,330 | 6,439 |
| Average equity | $2,999,000 | 6,396 |
| Average total loans | $18,318,330 | 6,147 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3143% | 402 |
| Cost of funding earning assets | 0.6664% | 1,462 |
| Net interest margin | 4.6479% | 511 |
| Noninterest income to average assets | 0.2256% | 5,551 |
| Noninterest expense to average assets | 3.1255% | 2,457 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.9989% | 2,217 |
| Return on assets (ROA) | 0.9989% | 2,270 |
| Pretax return on assets | 1.4822% | 1,480 |
| Return on Equity (ROE) | 8.4239% | 2,722 |
| Retained earnings to average equity (ytd only) | 8.4239% | 1,446 |
| Net charge-offs to loans | -0.0444% | 5,756 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8322% | 4,208 |
| Assets per employee ($millions) | 3.6399% | 4,644 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7774% | 2,111 |
| Loan loss allowance to noncurrent loans | 166.6667% | 2,444 |
| Noncurrent assets plus other real estate owned to assets | 0.7653% | 3,824 |
| Noncurrent loans to loans | 1.0664% | 3,290 |
| Net loans and leases to total assets | 70.4894% | 1,799 |
| Net loans and leases to deposits | 81.6438% | 2,082 |
| Net loans and leases to core deposits | 89.6476% | 1,943 |
| Total domestic deposits to total assets | 86.3378% | 3,190 |
| Equity capital to assets | 11.7273% | 2,079 |
| Core capital (leverage) ratio | 12.0830% | 1,607 |
| Tier 1 risk-based capital ratio | 16.7378% | 2,792 |
| Total risk-based capital ratio | 17.9955% | 2,754 |
| Memoranda: | ||
| Average total assets | $24,828,000 | 6,553 |
| Average earning assets | $23,408,500 | 6,517 |
| Average equity | $2,944,000 | 6,460 |
| Average total loans | $18,000,500 | 6,217 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3830% | 453 |
| Cost of funding earning assets | 0.7491% | 1,501 |
| Net interest margin | 4.6339% | 567 |
| Noninterest income to average assets | 0.2212% | 5,754 |
| Noninterest expense to average assets | 3.2149% | 2,371 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.1098% | 1,904 |
| Return on assets (ROA) | 1.1098% | 1,973 |
| Pretax return on assets | 1.3638% | 1,920 |
| Return on Equity (ROE) | 9.6291% | 2,270 |
| Retained earnings to average equity (ytd only) | 9.6291% | 641 |
| Net charge-offs to loans | 0.1763% | 3,069 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 11.4828% | 2,236 |
| Efficiency ratio | 70.2147% | 3,804 |
| Assets per employee ($millions) | 3.4539% | 4,990 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8232% | 1,995 |
| Loan loss allowance to noncurrent loans | 164.7959% | 2,462 |
| Noncurrent assets plus other real estate owned to assets | 0.8107% | 3,859 |
| Noncurrent loans to loans | 1.1063% | 3,324 |
| Net loans and leases to total assets | 71.9403% | 1,691 |
| Net loans and leases to deposits | 81.8957% | 2,189 |
| Net loans and leases to core deposits | 88.8486% | 2,150 |
| Total domestic deposits to total assets | 87.8438% | 2,274 |
| Equity capital to assets | 11.9949% | 1,811 |
| Core capital (leverage) ratio | 11.7897% | 1,765 |
| Tier 1 risk-based capital ratio | 16.9102% | 2,649 |
| Total risk-based capital ratio | 18.1698% | 2,608 |
| Memoranda: | ||
| Average total assets | $24,417,800 | 6,630 |
| Average earning assets | $22,961,000 | 6,600 |
| Average equity | $2,814,400 | 6,568 |
| Average total loans | $16,452,200 | 6,353 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3376% | 498 |
| Cost of funding earning assets | 0.7584% | 1,547 |
| Net interest margin | 4.5793% | 642 |
| Noninterest income to average assets | 0.2070% | 5,935 |
| Noninterest expense to average assets | 3.1320% | 2,560 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.1765% | 1,714 |
| Return on assets (ROA) | 1.1765% | 1,783 |
| Pretax return on assets | 1.3835% | 1,984 |
| Return on Equity (ROE) | 10.3111% | 2,063 |
| Retained earnings to average equity (ytd only) | 10.3111% | 728 |
| Net charge-offs to loans | -0.0661% | 6,390 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3607% | 3,857 |
| Assets per employee ($millions) | 3.5559% | 4,742 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1788% | 1,360 |
| Loan loss allowance to noncurrent loans | 150.6276% | 2,531 |
| Noncurrent assets plus other real estate owned to assets | 0.9602% | 3,747 |
| Noncurrent loans to loans | 1.4465% | 2,994 |
| Net loans and leases to total assets | 64.9351% | 2,817 |
| Net loans and leases to deposits | 73.4548% | 3,323 |
| Net loans and leases to core deposits | 79.4407% | 3,185 |
| Total domestic deposits to total assets | 88.4014% | 1,893 |
| Equity capital to assets | 11.4379% | 2,345 |
| Core capital (leverage) ratio | 11.6218% | 1,926 |
| Tier 1 risk-based capital ratio | 17.6226% | 2,472 |
| Total risk-based capital ratio | 18.8809% | 2,436 |
| Memoranda: | ||
| Average total assets | $24,478,000 | 6,708 |
| Average earning assets | $23,030,750 | 6,672 |
| Average equity | $2,793,000 | 6,647 |
| Average total loans | $16,136,250 | 6,430 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4007% | 448 |
| Cost of funding earning assets | 0.7678% | 1,603 |
| Net interest margin | 4.6329% | 570 |
| Noninterest income to average assets | 0.1890% | 6,079 |
| Noninterest expense to average assets | 3.1635% | 2,467 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.2407% | 1,487 |
| Return on assets (ROA) | 1.2407% | 1,582 |
| Pretax return on assets | 1.3886% | 1,975 |
| Return on Equity (ROE) | 10.8829% | 1,851 |
| Retained earnings to average equity (ytd only) | 10.8829% | 664 |
| Net charge-offs to loans | -0.0750% | 6,407 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4946% | 3,925 |
| Assets per employee ($millions) | 3.5954% | 4,638 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0488% | 1,746 |
| Loan loss allowance to noncurrent loans | 146.1224% | 2,571 |
| Noncurrent assets plus other real estate owned to assets | 0.9735% | 3,826 |
| Noncurrent loans to loans | 1.4021% | 3,192 |
| Net loans and leases to total assets | 68.0070% | 2,226 |
| Net loans and leases to deposits | 79.5982% | 2,382 |
| Net loans and leases to core deposits | 86.2484% | 2,308 |
| Total domestic deposits to total assets | 85.4379% | 3,673 |
| Equity capital to assets | 11.1372% | 2,621 |
| Core capital (leverage) ratio | 11.4329% | 1,992 |
| Tier 1 risk-based capital ratio | 16.3591% | 3,002 |
| Total risk-based capital ratio | 17.6184% | 2,962 |
| Memoranda: | ||
| Average total assets | $24,340,330 | 6,761 |
| Average earning assets | $22,923,000 | 6,724 |
| Average equity | $2,775,000 | 6,704 |
| Average total loans | $16,007,330 | 6,475 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3640% | 453 |
| Cost of funding earning assets | 0.7993% | 1,533 |
| Net interest margin | 4.5647% | 597 |
| Noninterest income to average assets | 0.1839% | 6,159 |
| Noninterest expense to average assets | 3.3101% | 2,061 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.1201% | 1,776 |
| Return on assets (ROA) | 1.1201% | 1,888 |
| Pretax return on assets | 1.1703% | 2,683 |
| Return on Equity (ROE) | 9.7066% | 2,191 |
| Retained earnings to average equity (ytd only) | 9.7066% | 1,188 |
| Net charge-offs to loans | -0.0786% | 6,339 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8806% | 3,287 |
| Assets per employee ($millions) | 3.3916% | 5,230 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2263% | 1,534 |
| Loan loss allowance to noncurrent loans | 98.6111% | 3,395 |
| Noncurrent assets plus other real estate owned to assets | 1.5164% | 2,977 |
| Noncurrent loans to loans | 2.2576% | 2,322 |
| Net loans and leases to total assets | 65.6712% | 2,432 |
| Net loans and leases to deposits | 74.9748% | 2,777 |
| Net loans and leases to core deposits | 81.4449% | 2,640 |
| Total domestic deposits to total assets | 87.5911% | 2,581 |
| Equity capital to assets | 11.7434% | 2,222 |
| Core capital (leverage) ratio | 11.1102% | 2,170 |
| Tier 1 risk-based capital ratio | 16.7830% | 2,869 |
| Total risk-based capital ratio | 18.0444% | 2,827 |
| Memoranda: | ||
| Average total assets | $23,926,500 | 6,839 |
| Average earning assets | $22,520,500 | 6,802 |
| Average equity | $2,761,000 | 6,772 |
| Average total loans | $15,274,000 | 6,568 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3065% | 918 |
| Cost of funding earning assets | 0.9233% | 1,798 |
| Net interest margin | 4.3833% | 1,197 |
| Noninterest income to average assets | 0.3231% | 5,149 |
| Noninterest expense to average assets | 3.4701% | 1,898 |
| Loan and lease loss provision to assets | -0.1678% | 6,965 |
| Net operating income to assets | 1.1245% | 1,860 |
| Return on assets (ROA) | 1.5819% | 864 |
| Pretax return on assets | 1.5819% | 1,434 |
| Return on Equity (ROE) | 14.6750% | 878 |
| Retained earnings to average equity (ytd only) | 14.6750% | 170 |
| Net charge-offs to loans | -0.0608% | 6,738 |
| Credit loss provision to net charge-offs | 444.4444% | 542 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.3886% | 2,376 |
| Assets per employee ($millions) | 3.4446% | 5,120 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4106% | 1,216 |
| Loan loss allowance to noncurrent loans | 139.6825% | 2,514 |
| Noncurrent assets plus other real estate owned to assets | 1.0451% | 3,940 |
| Noncurrent loans to loans | 1.7258% | 3,023 |
| Net loans and leases to total assets | 59.0992% | 3,774 |
| Net loans and leases to deposits | 66.8983% | 4,149 |
| Net loans and leases to core deposits | 72.5265% | 3,976 |
| Total domestic deposits to total assets | 88.3419% | 2,002 |
| Equity capital to assets | 11.3388% | 2,594 |
| Core capital (leverage) ratio | 10.5897% | 2,668 |
| Tier 1 risk-based capital ratio | 17.8586% | 2,313 |
| Total risk-based capital ratio | 19.1158% | 2,280 |
| Memoranda: | ||
| Average total assets | $23,832,400 | 6,897 |
| Average earning assets | $22,312,200 | 6,860 |
| Average equity | $2,569,000 | 6,868 |
| Average total loans | $14,814,800 | 6,669 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3544% | 915 |
| Cost of funding earning assets | 0.9414% | 1,904 |
| Net interest margin | 4.4131% | 1,178 |
| Noninterest income to average assets | 0.3423% | 5,070 |
| Noninterest expense to average assets | 3.1814% | 2,627 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.2905% | 1,466 |
| Return on assets (ROA) | 1.9021% | 527 |
| Pretax return on assets | 1.9021% | 866 |
| Return on Equity (ROE) | 17.8811% | 514 |
| Retained earnings to average equity (ytd only) | 17.8811% | 123 |
| Net charge-offs to loans | -0.0538% | 6,729 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1418% | 3,480 |
| Assets per employee ($millions) | 3.5243% | 4,921 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5801% | 1,102 |
| Loan loss allowance to noncurrent loans | 98.7310% | 3,267 |
| Noncurrent assets plus other real estate owned to assets | 1.5971% | 3,202 |
| Noncurrent loans to loans | 2.6133% | 2,182 |
| Net loans and leases to total assets | 59.5379% | 3,872 |
| Net loans and leases to deposits | 66.9493% | 4,344 |
| Net loans and leases to core deposits | 72.3868% | 4,201 |
| Total domestic deposits to total assets | 88.9299% | 1,473 |
| Equity capital to assets | 10.9039% | 3,377 |
| Core capital (leverage) ratio | 10.4683% | 2,956 |
| Tier 1 risk-based capital ratio | 17.2409% | 2,631 |
| Total risk-based capital ratio | 18.5013% | 2,584 |
| Memoranda: | ||
| Average total assets | $23,762,500 | 6,987 |
| Average earning assets | $22,236,500 | 6,947 |
| Average equity | $2,527,750 | 6,962 |
| Average total loans | $14,868,000 | 6,751 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3011% | 1,056 |
| Cost of funding earning assets | 0.9655% | 1,961 |
| Net interest margin | 4.3356% | 1,381 |
| Noninterest income to average assets | 0.4092% | 4,584 |
| Noninterest expense to average assets | 3.2140% | 2,544 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.2532% | 1,560 |
| Return on assets (ROA) | 2.1824% | 327 |
| Pretax return on assets | 2.1824% | 500 |
| Return on Equity (ROE) | 20.6980% | 312 |
| Retained earnings to average equity (ytd only) | 20.6980% | 91 |
| Net charge-offs to loans | -0.0405% | 6,611 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9466% | 3,442 |
| Assets per employee ($millions) | 3.0164% | 6,034 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4500% | 1,351 |
| Loan loss allowance to noncurrent loans | 124.1158% | 2,641 |
| Noncurrent assets plus other real estate owned to assets | 1.2888% | 3,850 |
| Noncurrent loans to loans | 1.9740% | 2,971 |
| Net loans and leases to total assets | 63.6899% | 3,108 |
| Net loans and leases to deposits | 71.4372% | 3,691 |
| Net loans and leases to core deposits | 78.3573% | 3,461 |
| Total domestic deposits to total assets | 89.1550% | 1,416 |
| Equity capital to assets | 10.6751% | 3,484 |
| Core capital (leverage) ratio | 10.2559% | 3,089 |
| Tier 1 risk-based capital ratio | 15.9686% | 3,183 |
| Total risk-based capital ratio | 17.2371% | 3,142 |
| Memoranda: | ||
| Average total assets | $23,460,000 | 7,053 |
| Average earning assets | $21,957,670 | 7,011 |
| Average equity | $2,473,670 | 7,019 |
| Average total loans | $14,798,330 | 6,810 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2237% | 1,265 |
| Cost of funding earning assets | 0.9967% | 1,999 |
| Net interest margin | 4.2269% | 1,683 |
| Noninterest income to average assets | 0.3287% | 5,232 |
| Noninterest expense to average assets | 3.1655% | 2,714 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.1243% | 1,970 |
| Return on assets (ROA) | 1.1243% | 2,156 |
| Pretax return on assets | 1.1243% | 3,221 |
| Return on Equity (ROE) | 10.7327% | 2,129 |
| Retained earnings to average equity (ytd only) | 10.7327% | 1,105 |
| Net charge-offs to loans | -0.0559% | 6,572 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7903% | 3,129 |
| Assets per employee ($millions) | 3.3697% | 5,404 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6917% | 1,125 |
| Loan loss allowance to noncurrent loans | 98.7179% | 3,103 |
| Noncurrent assets plus other real estate owned to assets | 1.6534% | 3,373 |
| Noncurrent loans to loans | 2.7267% | 2,390 |
| Net loans and leases to total assets | 59.0046% | 3,856 |
| Net loans and leases to deposits | 65.9496% | 4,387 |
| Net loans and leases to core deposits | 72.4594% | 4,081 |
| Total domestic deposits to total assets | 89.4692% | 1,392 |
| Equity capital to assets | 10.3697% | 3,648 |
| Core capital (leverage) ratio | 9.7272% | 3,738 |
| Tier 1 risk-based capital ratio | 17.3162% | 2,544 |
| Total risk-based capital ratio | 18.5898% | 2,505 |
| Memoranda: | ||
| Average total assets | $23,124,500 | 7,119 |
| Average earning assets | $21,670,500 | 7,082 |
| Average equity | $2,422,500 | 7,080 |
| Average total loans | $14,320,000 | 6,890 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9473% | 473 |
| Cost of funding earning assets | 1.2825% | 1,567 |
| Net interest margin | 4.6648% | 807 |
| Noninterest income to average assets | 0.4991% | 3,846 |
| Noninterest expense to average assets | 3.7975% | 1,353 |
| Loan and lease loss provision to assets | -0.8167% | 7,345 |
| Net operating income to assets | 1.8421% | 428 |
| Return on assets (ROA) | 1.8421% | 458 |
| Pretax return on assets | 1.8421% | 743 |
| Return on Equity (ROE) | 19.7068% | 275 |
| Retained earnings to average equity (ytd only) | 19.7068% | 52 |
| Net charge-offs to loans | -1.1972% | 7,308 |
| Credit loss provision to net charge-offs | 104.0462% | 3,311 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.7394% | 2,494 |
| Assets per employee ($millions) | 3.2373% | 5,638 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6714% | 1,106 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 61.5772% | 3,683 |
| Net loans and leases to deposits | 69.0211% | 4,271 |
| Net loans and leases to core deposits | 75.1346% | 4,083 |
| Total domestic deposits to total assets | 89.2150% | 1,413 |
| Equity capital to assets | 10.5865% | 3,432 |
| Core capital (leverage) ratio | 9.6006% | 3,869 |
| Tier 1 risk-based capital ratio | 15.2019% | 3,511 |
| Total risk-based capital ratio | 16.3756% | 3,530 |
| Memoranda: | ||
| Average total assets | $22,040,600 | 7,161 |
| Average earning assets | $20,429,600 | 7,135 |
| Average equity | $2,060,200 | 7,198 |
| Average total loans | $14,450,000 | 6,930 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8306% | 659 |
| Cost of funding earning assets | 1.3212% | 1,589 |
| Net interest margin | 4.5093% | 1,128 |
| Noninterest income to average assets | 0.1888% | 6,250 |
| Noninterest expense to average assets | 3.6065% | 1,696 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.7615% | 3,333 |
| Return on assets (ROA) | 0.7615% | 3,493 |
| Pretax return on assets | 0.7615% | 4,271 |
| Return on Equity (ROE) | 8.4363% | 2,860 |
| Retained earnings to average equity (ytd only) | 8.4363% | 1,343 |
| Net charge-offs to loans | -0.3223% | 7,311 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.5662% | 1,893 |
| Assets per employee ($millions) | 3.2059% | 5,667 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8172% | 1,018 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 65.3313% | 3,050 |
| Net loans and leases to deposits | 72.4501% | 3,906 |
| Net loans and leases to core deposits | 80.1717% | 3,609 |
| Total domestic deposits to total assets | 90.1742% | 777 |
| Equity capital to assets | 9.5005% | 5,086 |
| Core capital (leverage) ratio | 8.8282% | 5,213 |
| Tier 1 risk-based capital ratio | 13.5889% | 4,662 |
| Total risk-based capital ratio | 14.8506% | 4,622 |
| Memoranda: | ||
| Average total assets | $21,885,500 | 7,235 |
| Average earning assets | $20,283,500 | 7,211 |
| Average equity | $1,975,500 | 7,284 |
| Average total loans | $14,478,250 | 6,997 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9922% | 484 |
| Cost of funding earning assets | 1.3591% | 1,604 |
| Net interest margin | 4.6330% | 848 |
| Noninterest income to average assets | 0.1659% | 6,470 |
| Noninterest expense to average assets | 3.5852% | 1,772 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.8848% | 2,714 |
| Return on assets (ROA) | 0.8848% | 2,816 |
| Pretax return on assets | 0.8848% | 3,686 |
| Return on Equity (ROE) | 9.9827% | 2,118 |
| Retained earnings to average equity (ytd only) | 9.9827% | 841 |
| Net charge-offs to loans | -0.4063% | 7,377 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.2062% | 2,362 |
| Assets per employee ($millions) | 3.1014% | 5,876 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7495% | 1,127 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 68.2635% | 2,566 |
| Net loans and leases to deposits | 76.7041% | 3,342 |
| Net loans and leases to core deposits | 86.5654% | 2,812 |
| Total domestic deposits to total assets | 88.9959% | 1,528 |
| Equity capital to assets | 9.4104% | 4,957 |
| Core capital (leverage) ratio | 8.5114% | 5,537 |
| Tier 1 risk-based capital ratio | 12.3032% | 5,517 |
| Total risk-based capital ratio | 13.4822% | 5,563 |
| Memoranda: | ||
| Average total assets | $21,700,330 | 7,309 |
| Average earning assets | $20,159,670 | 7,285 |
| Average equity | $1,923,330 | 7,356 |
| Average total loans | $14,275,670 | 7,074 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9525% | 528 |
| Cost of funding earning assets | 1.4135% | 1,547 |
| Net interest margin | 4.5390% | 986 |
| Noninterest income to average assets | 0.2581% | 5,831 |
| Noninterest expense to average assets | 3.4662% | 2,097 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.9956% | 2,196 |
| Return on assets (ROA) | 0.9956% | 2,241 |
| Pretax return on assets | 0.9956% | 3,143 |
| Return on Equity (ROE) | 11.5911% | 1,577 |
| Retained earnings to average equity (ytd only) | 11.5911% | 800 |
| Net charge-offs to loans | -0.5800% | 7,428 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.6860% | 2,897 |
| Assets per employee ($millions) | 3.1583% | 5,821 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0735% | 855 |
| Loan loss allowance to noncurrent loans | 1,171.4286% | 342 |
| Noncurrent assets plus other real estate owned to assets | 1.0177% | 4,871 |
| Noncurrent loans to loans | 0.2624% | 6,462 |
| Net loans and leases to total assets | 58.4856% | 4,558 |
| Net loans and leases to deposits | 64.3476% | 5,210 |
| Net loans and leases to core deposits | 71.2318% | 4,899 |
| Total domestic deposits to total assets | 90.8902% | 682 |
| Equity capital to assets | 8.7661% | 5,551 |
| Core capital (leverage) ratio | 8.2959% | 5,820 |
| Tier 1 risk-based capital ratio | 13.1730% | 4,687 |
| Total risk-based capital ratio | 14.4307% | 4,657 |
| Memoranda: | ||
| Average total assets | $21,695,500 | 7,365 |
| Average earning assets | $20,092,500 | 7,339 |
| Average equity | $1,863,500 | 7,420 |
| Average total loans | $13,794,000 | 7,150 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3193% | 446 |
| Cost of funding earning assets | 1.7129% | 1,539 |
| Net interest margin | 4.6064% | 998 |
| Noninterest income to average assets | 0.2227% | 6,211 |
| Noninterest expense to average assets | 3.9462% | 1,243 |
| Loan and lease loss provision to assets | 0.6537% | 2,525 |
| Net operating income to assets | -0.1453% | 6,043 |
| Return on assets (ROA) | 0.2276% | 5,338 |
| Pretax return on assets | 0.2276% | 5,417 |
| Return on Equity (ROE) | 2.5516% | 5,156 |
| Retained earnings to average equity (ytd only) | 2.5516% | 4,086 |
| Net charge-offs to loans | 1.4991% | 1,469 |
| Credit loss provision to net charge-offs | 65.5340% | 5,972 |
| Earnings coverage of net charge-offs (x) | 0.5097% | 5,606 |
| Efficiency ratio | 88.5870% | 1,433 |
| Assets per employee ($millions) | 3.0404% | 6,014 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7372% | 1,130 |
| Loan loss allowance to noncurrent loans | 629.0323% | 535 |
| Noncurrent assets plus other real estate owned to assets | 1.1840% | 4,648 |
| Noncurrent loans to loans | 0.4351% | 6,173 |
| Net loans and leases to total assets | 65.1130% | 3,645 |
| Net loans and leases to deposits | 71.3631% | 4,629 |
| Net loans and leases to core deposits | 79.7491% | 4,247 |
| Total domestic deposits to total assets | 91.2418% | 486 |
| Equity capital to assets | 8.4058% | 5,993 |
| Core capital (leverage) ratio | 7.6235% | 6,602 |
| Tier 1 risk-based capital ratio | 11.1652% | 6,204 |
| Total risk-based capital ratio | 12.3936% | 6,194 |
| Memoranda: | ||
| Average total assets | $20,653,000 | 7,450 |
| Average earning assets | $18,973,600 | 7,428 |
| Average equity | $1,842,000 | 7,530 |
| Average total loans | $13,741,200 | 7,218 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3173% | 490 |
| Cost of funding earning assets | 1.7532% | 1,612 |
| Net interest margin | 4.5640% | 1,123 |
| Noninterest income to average assets | 0.2147% | 6,377 |
| Noninterest expense to average assets | 3.8511% | 1,279 |
| Loan and lease loss provision to assets | -0.2927% | 7,733 |
| Net operating income to assets | 0.8392% | 2,846 |
| Return on assets (ROA) | 0.9368% | 2,602 |
| Pretax return on assets | 0.9368% | 3,424 |
| Return on Equity (ROE) | 10.3490% | 1,991 |
| Retained earnings to average equity (ytd only) | 10.3490% | 715 |
| Net charge-offs to loans | -2.4385% | 7,710 |
| Credit loss provision to net charge-offs | 18.0723% | 6,266 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.5740% | 1,485 |
| Assets per employee ($millions) | 3.0686% | 5,990 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5865% | 235 |
| Loan loss allowance to noncurrent loans | 1,072.5806% | 347 |
| Noncurrent assets plus other real estate owned to assets | 1.3361% | 4,487 |
| Noncurrent loans to loans | 0.4276% | 6,349 |
| Net loans and leases to total assets | 64.4041% | 4,042 |
| Net loans and leases to deposits | 71.1479% | 4,975 |
| Net loans and leases to core deposits | 79.4601% | 4,595 |
| Total domestic deposits to total assets | 90.5214% | 630 |
| Equity capital to assets | 9.0736% | 5,482 |
| Core capital (leverage) ratio | 8.5716% | 5,386 |
| Tier 1 risk-based capital ratio | 12.0856% | 5,373 |
| Total risk-based capital ratio | 13.3306% | 5,355 |
| Memoranda: | ||
| Average total assets | $20,495,500 | 7,549 |
| Average earning assets | $18,784,000 | 7,529 |
| Average equity | $1,855,250 | 7,626 |
| Average total loans | $13,614,500 | 7,318 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2881% | 524 |
| Cost of funding earning assets | 1.8027% | 1,633 |
| Net interest margin | 4.4854% | 1,234 |
| Noninterest income to average assets | 0.2281% | 6,282 |
| Noninterest expense to average assets | 4.0461% | 993 |
| Loan and lease loss provision to assets | -0.4463% | 7,809 |
| Net operating income to assets | 0.7735% | 3,095 |
| Return on assets (ROA) | 0.9223% | 2,560 |
| Pretax return on assets | 0.9223% | 3,409 |
| Return on Equity (ROE) | 10.1974% | 2,029 |
| Retained earnings to average equity (ytd only) | 10.1974% | 801 |
| Net charge-offs to loans | -3.5737% | 7,779 |
| Credit loss provision to net charge-offs | 18.9076% | 5,866 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.5170% | 1,159 |
| Assets per employee ($millions) | 2.8724% | 6,409 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5763% | 240 |
| Loan loss allowance to noncurrent loans | 947.8261% | 364 |
| Noncurrent assets plus other real estate owned to assets | 1.4622% | 4,268 |
| Noncurrent loans to loans | 0.4828% | 6,286 |
| Net loans and leases to total assets | 67.8222% | 3,412 |
| Net loans and leases to deposits | 76.2909% | 4,276 |
| Net loans and leases to core deposits | 86.0867% | 3,814 |
| Total domestic deposits to total assets | 88.8994% | 1,494 |
| Equity capital to assets | 9.3649% | 4,904 |
| Core capital (leverage) ratio | 8.6832% | 5,107 |
| Tier 1 risk-based capital ratio | 11.0303% | 6,209 |
| Total risk-based capital ratio | 12.3165% | 6,156 |
| Memoranda: | ||
| Average total assets | $20,167,330 | 7,623 |
| Average earning assets | $18,638,330 | 7,595 |
| Average equity | $1,824,000 | 7,698 |
| Average total loans | $13,319,670 | 7,386 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2112% | 630 |
| Cost of funding earning assets | 1.9276% | 1,332 |
| Net interest margin | 4.2836% | 1,740 |
| Noninterest income to average assets | 0.2178% | 6,401 |
| Noninterest expense to average assets | 4.5154% | 571 |
| Loan and lease loss provision to assets | -0.8912% | 7,916 |
| Net operating income to assets | 0.5545% | 4,116 |
| Return on assets (ROA) | 0.8516% | 2,840 |
| Pretax return on assets | 0.8516% | 3,662 |
| Return on Equity (ROE) | 9.5848% | 2,255 |
| Retained earnings to average equity (ytd only) | 9.5848% | 1,245 |
| Net charge-offs to loans | -7.2308% | 7,881 |
| Credit loss provision to net charge-offs | 19.3966% | 4,954 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 108.0569% | 640 |
| Assets per employee ($millions) | 2.8660% | 6,505 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0382% | 169 |
| Loan loss allowance to noncurrent loans | 851.3158% | 383 |
| Noncurrent assets plus other real estate owned to assets | 1.5003% | 4,255 |
| Noncurrent loans to loans | 0.5918% | 6,128 |
| Net loans and leases to total assets | 60.7866% | 4,983 |
| Net loans and leases to deposits | 67.1605% | 5,690 |
| Net loans and leases to core deposits | 79.4877% | 4,833 |
| Total domestic deposits to total assets | 90.5094% | 731 |
| Equity capital to assets | 8.9871% | 5,297 |
| Core capital (leverage) ratio | 8.2516% | 5,830 |
| Tier 1 risk-based capital ratio | 11.5382% | 5,639 |
| Total risk-based capital ratio | 12.8312% | 5,567 |
| Memoranda: | ||
| Average total assets | $20,197,500 | 7,719 |
| Average earning assets | $18,676,000 | 7,688 |
| Average equity | $1,794,500 | 7,789 |
| Average total loans | $12,834,000 | 7,508 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5237% | 641 |
| Cost of funding earning assets | 2.4288% | 1,216 |
| Net interest margin | 4.0948% | 2,479 |
| Noninterest income to average assets | 0.1176% | 7,168 |
| Noninterest expense to average assets | 4.3545% | 929 |
| Loan and lease loss provision to assets | 2.2233% | 933 |
| Net operating income to assets | -2.7190% | 7,324 |
| Return on assets (ROA) | -2.7190% | 7,335 |
| Pretax return on assets | -2.7293% | 7,220 |
| Return on Equity (ROE) | -29.8440% | 7,399 |
| Retained earnings to average equity (ytd only) | -29.8440% | 7,381 |
| Net charge-offs to loans | 3.5558% | 540 |
| Credit loss provision to net charge-offs | 94.9782% | 5,816 |
| Earnings coverage of net charge-offs (x) | -0.2162% | 6,466 |
| Efficiency ratio | 113.1474% | 736 |
| Assets per employee ($millions) | 2.9047% | 6,449 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5943% | 494 |
| Loan loss allowance to noncurrent loans | 591.0256% | 566 |
| Noncurrent assets plus other real estate owned to assets | 1.4902% | 4,149 |
| Noncurrent loans to loans | 0.6081% | 6,025 |
| Net loans and leases to total assets | 60.8125% | 5,217 |
| Net loans and leases to deposits | 67.0153% | 5,943 |
| Net loans and leases to core deposits | 99.5812% | 4,045 |
| Total domestic deposits to total assets | 90.7441% | 643 |
| Equity capital to assets | 8.7838% | 5,466 |
| Core capital (leverage) ratio | 8.0321% | 6,114 |
| Tier 1 risk-based capital ratio | 10.9471% | 5,964 |
| Total risk-based capital ratio | 12.2181% | 5,915 |
| Memoranda: | ||
| Average total assets | $19,565,800 | 7,788 |
| Average earning assets | $17,827,400 | 7,766 |
| Average equity | $1,782,600 | 7,880 |
| Average total loans | $12,880,400 | 7,554 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5343% | 697 |
| Cost of funding earning assets | 2.5045% | 1,286 |
| Net interest margin | 4.0299% | 2,681 |
| Noninterest income to average assets | 0.1445% | 7,141 |
| Noninterest expense to average assets | 4.0810% | 1,170 |
| Loan and lease loss provision to assets | 2.9937% | 499 |
| Net operating income to assets | -3.2620% | 7,643 |
| Return on assets (ROA) | -3.2620% | 7,648 |
| Pretax return on assets | -3.2758% | 7,568 |
| Return on Equity (ROE) | -35.4696% | 7,707 |
| Retained earnings to average equity (ytd only) | -35.4696% | 7,698 |
| Net charge-offs to loans | 4.8807% | 243 |
| Credit loss provision to net charge-offs | 92.1610% | 5,425 |
| Earnings coverage of net charge-offs (x) | -0.0869% | 6,162 |
| Efficiency ratio | 107.4275% | 821 |
| Assets per employee ($millions) | 2.8690% | 6,485 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5652% | 393 |
| Loan loss allowance to noncurrent loans | 143.2692% | 1,981 |
| Noncurrent assets plus other real estate owned to assets | 3.1021% | 2,210 |
| Noncurrent loans to loans | 2.4884% | 3,029 |
| Net loans and leases to total assets | 60.2051% | 5,550 |
| Net loans and leases to deposits | 66.7347% | 6,237 |
| Net loans and leases to core deposits | 96.1587% | 4,798 |
| Total domestic deposits to total assets | 90.2156% | 693 |
| Equity capital to assets | 9.2118% | 5,148 |
| Core capital (leverage) ratio | 8.4309% | 5,617 |
| Tier 1 risk-based capital ratio | 11.3585% | 5,584 |
| Total risk-based capital ratio | 12.6357% | 5,493 |
| Memoranda: | ||
| Average total assets | $19,374,000 | 7,866 |
| Average earning assets | $17,568,250 | 7,856 |
| Average equity | $1,781,750 | 7,963 |
| Average total loans | $12,894,000 | 7,627 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5266% | 779 |
| Cost of funding earning assets | 2.5644% | 1,389 |
| Net interest margin | 3.9622% | 2,855 |
| Noninterest income to average assets | 0.2195% | 6,733 |
| Noninterest expense to average assets | 4.1384% | 1,146 |
| Loan and lease loss provision to assets | 4.5460% | 250 |
| Net operating income to assets | -4.8595% | 7,919 |
| Return on assets (ROA) | -4.8595% | 7,917 |
| Pretax return on assets | -4.8804% | 7,846 |
| Return on Equity (ROE) | -52.8709% | 7,932 |
| Retained earnings to average equity (ytd only) | -52.8709% | 7,928 |
| Net charge-offs to loans | 7.1623% | 128 |
| Credit loss provision to net charge-offs | 93.3476% | 4,820 |
| Earnings coverage of net charge-offs (x) | -0.0687% | 5,770 |
| Efficiency ratio | 108.7912% | 882 |
| Assets per employee ($millions) | 2.7743% | 6,690 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3615% | 421 |
| Loan loss allowance to noncurrent loans | 125.4848% | 2,352 |
| Noncurrent assets plus other real estate owned to assets | 3.7024% | 1,661 |
| Noncurrent loans to loans | 2.6788% | 2,686 |
| Net loans and leases to total assets | 67.0597% | 4,348 |
| Net loans and leases to deposits | 75.7107% | 5,210 |
| Net loans and leases to core deposits | 112.7240% | 3,054 |
| Total domestic deposits to total assets | 88.5736% | 1,494 |
| Equity capital to assets | 8.5427% | 5,987 |
| Core capital (leverage) ratio | 7.6469% | 6,831 |
| Tier 1 risk-based capital ratio | 9.6702% | 7,253 |
| Total risk-based capital ratio | 10.9393% | 7,180 |
| Memoranda: | ||
| Average total assets | $19,137,670 | 7,954 |
| Average earning assets | $17,313,670 | 7,936 |
| Average equity | $1,759,000 | 8,051 |
| Average total loans | $13,012,670 | 7,699 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6791% | 603 |
| Cost of funding earning assets | 2.5922% | 1,589 |
| Net interest margin | 4.0869% | 2,326 |
| Noninterest income to average assets | 0.1685% | 7,099 |
| Noninterest expense to average assets | 3.7691% | 1,529 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.1263% | 5,898 |
| Return on assets (ROA) | 0.1263% | 6,064 |
| Pretax return on assets | 0.0842% | 6,198 |
| Return on Equity (ROE) | 1.3267% | 6,032 |
| Retained earnings to average equity (ytd only) | 1.3267% | 5,107 |
| Net charge-offs to loans | 1.7213% | 841 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 0.0727% | 4,922 |
| Efficiency ratio | 97.8142% | 1,227 |
| Assets per employee ($millions) | 2.7020% | 6,880 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3761% | 349 |
| Loan loss allowance to noncurrent loans | 68.6400% | 4,153 |
| Noncurrent assets plus other real estate owned to assets | 4.9487% | 914 |
| Noncurrent loans to loans | 4.9185% | 1,108 |
| Net loans and leases to total assets | 64.9149% | 4,823 |
| Net loans and leases to deposits | 72.2193% | 5,718 |
| Net loans and leases to core deposits | 99.2482% | 4,618 |
| Total domestic deposits to total assets | 89.8858% | 848 |
| Equity capital to assets | 9.6172% | 4,500 |
| Core capital (leverage) ratio | 8.5208% | 5,488 |
| Tier 1 risk-based capital ratio | 11.0950% | 5,811 |
| Total risk-based capital ratio | 12.3523% | 5,717 |
| Memoranda: | ||
| Average total assets | $18,996,500 | 8,009 |
| Average earning assets | $17,128,000 | 7,989 |
| Average equity | $1,809,000 | 8,089 |
| Average total loans | $12,781,000 | 7,760 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2150% | 714 |
| Cost of funding earning assets | 3.1213% | 1,447 |
| Net interest margin | 4.0937% | 2,739 |
| Noninterest income to average assets | 0.1953% | 7,059 |
| Noninterest expense to average assets | 3.5811% | 2,198 |
| Loan and lease loss provision to assets | 1.6278% | 799 |
| Net operating income to assets | -1.1991% | 7,345 |
| Return on assets (ROA) | -1.1991% | 7,285 |
| Pretax return on assets | -1.3131% | 7,171 |
| Return on Equity (ROE) | -12.6749% | 7,476 |
| Retained earnings to average equity (ytd only) | -12.6749% | 7,304 |
| Net charge-offs to loans | 2.0821% | 512 |
| Credit loss provision to net charge-offs | 118.1102% | 4,554 |
| Earnings coverage of net charge-offs (x) | 0.2283% | 6,096 |
| Efficiency ratio | 91.9220% | 1,384 |
| Assets per employee ($millions) | 2.7256% | 6,727 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7651% | 225 |
| Loan loss allowance to noncurrent loans | 151.7241% | 2,439 |
| Noncurrent assets plus other real estate owned to assets | 3.3021% | 1,367 |
| Noncurrent loans to loans | 2.4815% | 2,201 |
| Net loans and leases to total assets | 64.8409% | 5,098 |
| Net loans and leases to deposits | 74.0069% | 5,845 |
| Net loans and leases to core deposits | 99.7098% | 4,849 |
| Total domestic deposits to total assets | 87.6147% | 1,665 |
| Equity capital to assets | 9.4292% | 4,788 |
| Core capital (leverage) ratio | 8.4050% | 5,751 |
| Tier 1 risk-based capital ratio | 10.9825% | 5,739 |
| Total risk-based capital ratio | 12.2434% | 5,628 |
| Memoranda: | ||
| Average total assets | $18,430,000 | 8,064 |
| Average earning assets | $16,659,800 | 8,047 |
| Average equity | $1,743,600 | 8,171 |
| Average total loans | $12,199,000 | 7,825 |