Home > Montezuma State Bank > Performance and Condition Ratios
Montezuma State Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1290% | 2,865 |
| Cost of funding earning assets | 1.5599% | 3,053 |
| Net interest margin | 3.5691% | 2,141 |
| Noninterest income to average assets | 1.9500% | 265 |
| Noninterest expense to average assets | 1.8961% | 3,742 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | 2.5835% | 197 |
| Return on assets (ROA) | 2.5835% | 196 |
| Pretax return on assets | 3.3540% | 143 |
| Return on Equity (ROE) | 19.1200% | 520 |
| Retained earnings to average equity (ytd only) | 4.9210% | 2,590 |
| Net charge-offs to loans | 0.2927% | 403 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 26.1176% | 1,312 |
| Efficiency ratio | 36.1151% | 4,340 |
| Assets per employee ($millions) | 10.7816% | 625 |
| Cash dividends to net income (ytd only)* | 74.2690% | 730 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1556% | 314 |
| Loan loss allowance to noncurrent loans | 67.9400% | 3,286 |
| Noncurrent assets plus other real estate owned to assets | 1.3597% | 474 |
| Noncurrent loans to loans | 3.1727% | 200 |
| Net loans and leases to total assets | 41.9300% | 3,909 |
| Net loans and leases to deposits | 48.7934% | 3,901 |
| Net loans and leases to core deposits | 54.3703% | 3,873 |
| Total domestic deposits to total assets | 85.9400% | 2,320 |
| Equity capital to assets | 13.3783% | 835 |
| Core capital (leverage) ratio | 13.8931% | 825 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $52,951,500 | 4,195 |
| Average earning assets | $48,976,500 | 4,177 |
| Average equity | $7,153,000 | 4,054 |
| Average total loans | $23,228,500 | 4,171 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4766% | 2,182 |
| Cost of funding earning assets | 1.5496% | 3,264 |
| Net interest margin | 3.9270% | 1,312 |
| Noninterest income to average assets | 0.3200% | 2,938 |
| Noninterest expense to average assets | 1.6612% | 4,131 |
| Loan and lease loss provision to assets | 0.1200% | 1,178 |
| Net operating income to assets | 1.6872% | 672 |
| Return on assets (ROA) | 1.6872% | 669 |
| Pretax return on assets | 2.1791% | 445 |
| Return on Equity (ROE) | 13.3600% | 1,276 |
| Retained earnings to average equity (ytd only) | 6.2608% | 1,722 |
| Net charge-offs to loans | 0.0088% | 2,585 |
| Credit loss provision to net charge-offs | 3,250.0000% | 152 |
| Earnings coverage of net charge-offs (x) | 619.5000% | 217 |
| Efficiency ratio | 41.9400% | 4,286 |
| Assets per employee ($millions) | 10.3990% | 685 |
| Cash dividends to net income (ytd only)* | 53.1353% | 1,489 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2052% | 283 |
| Loan loss allowance to noncurrent loans | 63.9752% | 3,337 |
| Noncurrent assets plus other real estate owned to assets | 1.7136% | 274 |
| Noncurrent loans to loans | 3.4469% | 143 |
| Net loans and leases to total assets | 43.9300% | 3,891 |
| Net loans and leases to deposits | 51.2648% | 3,873 |
| Net loans and leases to core deposits | 57.0789% | 3,853 |
| Total domestic deposits to total assets | 85.6800% | 2,322 |
| Equity capital to assets | 13.6436% | 740 |
| Core capital (leverage) ratio | 13.9669% | 786 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $53,875,400 | 4,199 |
| Average earning assets | $49,884,800 | 4,174 |
| Average equity | $6,804,200 | 4,072 |
| Average total loans | $22,603,200 | 4,184 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3753% | 2,314 |
| Cost of funding earning assets | 1.5184% | 3,322 |
| Net interest margin | 3.8569% | 1,371 |
| Noninterest income to average assets | 0.3200% | 2,913 |
| Noninterest expense to average assets | 1.7026% | 4,076 |
| Loan and lease loss provision to assets | 0.1600% | 770 |
| Net operating income to assets | 1.5554% | 867 |
| Return on assets (ROA) | 1.5554% | 866 |
| Pretax return on assets | 2.0216% | 623 |
| Return on Equity (ROE) | 12.5600% | 1,468 |
| Retained earnings to average equity (ytd only) | 2.9907% | 3,186 |
| Net charge-offs to loans | 0.0119% | 2,202 |
| Credit loss provision to net charge-offs | 3,250.0000% | 156 |
| Earnings coverage of net charge-offs (x) | 444.5000% | 267 |
| Efficiency ratio | 43.8408% | 4,232 |
| Assets per employee ($millions) | 10.8628% | 593 |
| Cash dividends to net income (ytd only)* | 76.1830% | 557 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3418% | 255 |
| Loan loss allowance to noncurrent loans | 64.2946% | 3,402 |
| Noncurrent assets plus other real estate owned to assets | 1.6331% | 295 |
| Noncurrent loans to loans | 3.6422% | 136 |
| Net loans and leases to total assets | 39.5400% | 4,048 |
| Net loans and leases to deposits | 45.6598% | 4,071 |
| Net loans and leases to core deposits | 50.5234% | 4,031 |
| Total domestic deposits to total assets | 86.6000% | 1,730 |
| Equity capital to assets | 12.8254% | 1,015 |
| Core capital (leverage) ratio | 13.2687% | 1,007 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $54,345,500 | 4,218 |
| Average earning assets | $50,228,500 | 4,196 |
| Average equity | $6,731,750 | 4,100 |
| Average total loans | $22,415,500 | 4,213 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3241% | 2,314 |
| Cost of funding earning assets | 1.4925% | 3,307 |
| Net interest margin | 3.8316% | 1,373 |
| Noninterest income to average assets | 0.3100% | 2,924 |
| Noninterest expense to average assets | 1.6815% | 4,105 |
| Loan and lease loss provision to assets | 0.2400% | 441 |
| Net operating income to assets | 1.4607% | 983 |
| Return on assets (ROA) | 1.4607% | 977 |
| Pretax return on assets | 1.8986% | 745 |
| Return on Equity (ROE) | 11.9300% | 1,641 |
| Retained earnings to average equity (ytd only) | 3.3666% | 2,936 |
| Net charge-offs to loans | 0.0266% | 1,616 |
| Credit loss provision to net charge-offs | 2,166.6667% | 219 |
| Earnings coverage of net charge-offs (x) | 193.6667% | 506 |
| Efficiency ratio | 44.0270% | 4,249 |
| Assets per employee ($millions) | 8.8983% | 1,040 |
| Cash dividends to net income (ytd only)* | 71.7884% | 813 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3415% | 271 |
| Loan loss allowance to noncurrent loans | 68.5333% | 3,403 |
| Noncurrent assets plus other real estate owned to assets | 1.5808% | 311 |
| Noncurrent loans to loans | 3.4165% | 143 |
| Net loans and leases to total assets | 40.1500% | 4,034 |
| Net loans and leases to deposits | 46.2355% | 4,057 |
| Net loans and leases to core deposits | 52.5171% | 3,994 |
| Total domestic deposits to total assets | 86.8500% | 1,704 |
| Equity capital to assets | 12.5997% | 977 |
| Core capital (leverage) ratio | 13.2002% | 1,026 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $54,356,000 | 4,234 |
| Average earning assets | $49,848,667 | 4,219 |
| Average equity | $6,653,667 | 4,107 |
| Average total loans | $22,556,667 | 4,230 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0375% | 2,716 |
| Cost of funding earning assets | 1.4723% | 3,246 |
| Net interest margin | 3.5652% | 1,783 |
| Noninterest income to average assets | 0.2700% | 3,153 |
| Noninterest expense to average assets | 1.6995% | 4,102 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 1.4078% | 1,046 |
| Return on assets (ROA) | 1.4078% | 1,050 |
| Pretax return on assets | 1.8381% | 785 |
| Return on Equity (ROE) | 11.6700% | 1,666 |
| Retained earnings to average equity (ytd only) | -5.5614% | 4,160 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 48.0412% | 4,098 |
| Assets per employee ($millions) | 11.4812% | 490 |
| Cash dividends to net income (ytd only)* | 147.6684% | 297 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0202% | 375 |
| Loan loss allowance to noncurrent loans | 58.7776% | 3,537 |
| Noncurrent assets plus other real estate owned to assets | 1.4894% | 306 |
| Noncurrent loans to loans | 3.4370% | 131 |
| Net loans and leases to total assets | 38.1900% | 4,078 |
| Net loans and leases to deposits | 43.4624% | 4,106 |
| Net loans and leases to core deposits | 48.7622% | 4,101 |
| Total domestic deposits to total assets | 87.8600% | 1,465 |
| Equity capital to assets | 11.4082% | 1,346 |
| Core capital (leverage) ratio | 12.7065% | 1,140 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $54,839,000 | 4,250 |
| Average earning assets | $50,263,000 | 4,241 |
| Average equity | $6,617,000 | 4,133 |
| Average total loans | $22,859,000 | 4,249 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0373% | 2,000 |
| Cost of funding earning assets | 1.1095% | 3,044 |
| Net interest margin | 3.9277% | 1,319 |
| Noninterest income to average assets | 0.3700% | 2,675 |
| Noninterest expense to average assets | 1.5526% | 4,292 |
| Loan and lease loss provision to assets | 0.1000% | 1,286 |
| Net operating income to assets | 1.8228% | 590 |
| Return on assets (ROA) | 1.8228% | 569 |
| Pretax return on assets | 2.4039% | 378 |
| Return on Equity (ROE) | 15.9100% | 1,112 |
| Retained earnings to average equity (ytd only) | 8.4784% | 1,401 |
| Net charge-offs to loans | 0.0171% | 2,029 |
| Credit loss provision to net charge-offs | 1,375.0000% | 313 |
| Earnings coverage of net charge-offs (x) | 338.5000% | 397 |
| Efficiency ratio | 38.2581% | 4,393 |
| Assets per employee ($millions) | 10.4544% | 626 |
| Cash dividends to net income (ytd only)* | 46.7005% | 1,785 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9363% | 429 |
| Loan loss allowance to noncurrent loans | 33.3088% | 3,718 |
| Noncurrent assets plus other real estate owned to assets | 2.7606% | 83 |
| Noncurrent loans to loans | 5.8131% | 36 |
| Net loans and leases to total assets | 43.7900% | 3,910 |
| Net loans and leases to deposits | 50.6180% | 3,934 |
| Net loans and leases to core deposits | 56.9283% | 3,877 |
| Total domestic deposits to total assets | 86.5200% | 1,850 |
| Equity capital to assets | 12.7889% | 904 |
| Core capital (leverage) ratio | 12.8745% | 1,092 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $54,037,600 | 4,272 |
| Average earning assets | $50,741,800 | 4,241 |
| Average equity | $6,192,200 | 4,145 |
| Average total loans | $23,345,000 | 4,247 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8390% | 2,188 |
| Cost of funding earning assets | 0.9950% | 3,056 |
| Net interest margin | 3.8440% | 1,509 |
| Noninterest income to average assets | 0.3400% | 2,860 |
| Noninterest expense to average assets | 1.5810% | 4,255 |
| Loan and lease loss provision to assets | 0.0700% | 1,559 |
| Net operating income to assets | 1.7352% | 752 |
| Return on assets (ROA) | 1.7352% | 739 |
| Pretax return on assets | 2.2858% | 490 |
| Return on Equity (ROE) | 15.5800% | 1,330 |
| Retained earnings to average equity (ytd only) | 5.4703% | 2,785 |
| Net charge-offs to loans | 0.0286% | 1,504 |
| Credit loss provision to net charge-offs | 600.0000% | 555 |
| Earnings coverage of net charge-offs (x) | 192.8000% | 617 |
| Efficiency ratio | 40.1242% | 4,357 |
| Assets per employee ($millions) | 11.2944% | 470 |
| Cash dividends to net income (ytd only)* | 64.8801% | 797 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8313% | 532 |
| Loan loss allowance to noncurrent loans | 34.8039% | 3,733 |
| Noncurrent assets plus other real estate owned to assets | 2.3233% | 106 |
| Noncurrent loans to loans | 5.2618% | 49 |
| Net loans and leases to total assets | 40.4400% | 4,037 |
| Net loans and leases to deposits | 45.5890% | 4,062 |
| Net loans and leases to core deposits | 50.8824% | 4,015 |
| Total domestic deposits to total assets | 88.7000% | 1,344 |
| Equity capital to assets | 10.7876% | 1,439 |
| Core capital (leverage) ratio | 12.0029% | 1,447 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $54,479,000 | 4,285 |
| Average earning assets | $51,056,500 | 4,256 |
| Average equity | $6,069,000 | 4,162 |
| Average total loans | $23,345,250 | 4,265 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5204% | 2,596 |
| Cost of funding earning assets | 0.9057% | 2,906 |
| Net interest margin | 3.6148% | 2,007 |
| Noninterest income to average assets | 0.3400% | 2,832 |
| Noninterest expense to average assets | 1.6204% | 4,243 |
| Loan and lease loss provision to assets | 0.0900% | 1,256 |
| Net operating income to assets | 1.5312% | 1,051 |
| Return on assets (ROA) | 1.5312% | 1,047 |
| Pretax return on assets | 2.0106% | 730 |
| Return on Equity (ROE) | 13.5900% | 1,773 |
| Retained earnings to average equity (ytd only) | 5.1804% | 2,895 |
| Net charge-offs to loans | 0.0171% | 1,573 |
| Credit loss provision to net charge-offs | 1,250.0000% | 346 |
| Earnings coverage of net charge-offs (x) | 283.0000% | 474 |
| Efficiency ratio | 43.5130% | 4,274 |
| Assets per employee ($millions) | 9.2627% | 831 |
| Cash dividends to net income (ytd only)* | 61.8932% | 933 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8741% | 522 |
| Loan loss allowance to noncurrent loans | 26.0123% | 3,773 |
| Noncurrent assets plus other real estate owned to assets | 3.0913% | 61 |
| Noncurrent loans to loans | 7.2047% | 22 |
| Net loans and leases to total assets | 39.9500% | 4,042 |
| Net loans and leases to deposits | 45.1651% | 4,066 |
| Net loans and leases to core deposits | 50.1831% | 4,013 |
| Total domestic deposits to total assets | 88.4400% | 1,449 |
| Equity capital to assets | 11.1199% | 1,339 |
| Core capital (leverage) ratio | 12.1537% | 1,295 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $53,814,667 | 4,315 |
| Average earning assets | $50,349,000 | 4,287 |
| Average equity | $6,061,333 | 4,187 |
| Average total loans | $23,373,000 | 4,278 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2262% | 2,988 |
| Cost of funding earning assets | 0.7245% | 2,973 |
| Net interest margin | 3.5017% | 2,357 |
| Noninterest income to average assets | 0.3300% | 2,854 |
| Noninterest expense to average assets | 1.7305% | 4,158 |
| Loan and lease loss provision to assets | 0.1900% | 550 |
| Net operating income to assets | 1.2997% | 1,663 |
| Return on assets (ROA) | 1.2997% | 1,636 |
| Pretax return on assets | 1.7002% | 1,272 |
| Return on Equity (ROE) | 11.4600% | 2,362 |
| Retained earnings to average equity (ytd only) | -5.5315% | 4,351 |
| Net charge-offs to loans | 0.0337% | 1,047 |
| Credit loss provision to net charge-offs | 1,250.0000% | 318 |
| Earnings coverage of net charge-offs (x) | 125.0000% | 690 |
| Efficiency ratio | 47.8079% | 4,091 |
| Assets per employee ($millions) | 10.7790% | 552 |
| Cash dividends to net income (ytd only)* | 148.2558% | 237 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8401% | 615 |
| Loan loss allowance to noncurrent loans | 29.6711% | 3,804 |
| Noncurrent assets plus other real estate owned to assets | 2.8147% | 63 |
| Noncurrent loans to loans | 6.2017% | 40 |
| Net loans and leases to total assets | 41.9700% | 3,953 |
| Net loans and leases to deposits | 47.4919% | 3,981 |
| Net loans and leases to core deposits | 49.8479% | 3,997 |
| Total domestic deposits to total assets | 88.3700% | 1,787 |
| Equity capital to assets | 11.1699% | 1,282 |
| Core capital (leverage) ratio | 12.0701% | 1,288 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $52,934,000 | 4,383 |
| Average earning assets | $49,690,000 | 4,355 |
| Average equity | $6,002,000 | 4,242 |
| Average total loans | $23,747,500 | 4,331 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3087% | 3,571 |
| Cost of funding earning assets | 0.2400% | 3,415 |
| Net interest margin | 3.0687% | 3,268 |
| Noninterest income to average assets | 0.7600% | 1,100 |
| Noninterest expense to average assets | 1.6015% | 4,305 |
| Loan and lease loss provision to assets | 0.1400% | 867 |
| Net operating income to assets | 1.4263% | 1,060 |
| Return on assets (ROA) | 1.4263% | 1,026 |
| Pretax return on assets | 1.8652% | 635 |
| Return on Equity (ROE) | 12.6500% | 1,924 |
| Retained earnings to average equity (ytd only) | 6.9321% | 2,271 |
| Net charge-offs to loans | 0.0133% | 1,883 |
| Credit loss provision to net charge-offs | 2,500.0000% | 214 |
| Earnings coverage of net charge-offs (x) | 348.0000% | 438 |
| Efficiency ratio | 44.3497% | 4,418 |
| Assets per employee ($millions) | 8.6622% | 1,030 |
| Cash dividends to net income (ytd only)* | 45.2092% | 1,627 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6399% | 900 |
| Loan loss allowance to noncurrent loans | 27.9637% | 3,824 |
| Noncurrent assets plus other real estate owned to assets | 2.9284% | 51 |
| Noncurrent loans to loans | 5.8643% | 40 |
| Net loans and leases to total assets | 46.2800% | 3,784 |
| Net loans and leases to deposits | 52.5164% | 3,765 |
| Net loans and leases to core deposits | 53.4299% | 3,835 |
| Total domestic deposits to total assets | 88.1200% | 2,029 |
| Equity capital to assets | 11.5137% | 1,083 |
| Core capital (leverage) ratio | 12.2440% | 1,178 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $51,952,200 | 4,424 |
| Average earning assets | $48,326,800 | 4,394 |
| Average equity | $5,856,800 | 4,343 |
| Average total loans | $22,617,600 | 4,367 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9741% | 3,932 |
| Cost of funding earning assets | 0.1850% | 3,451 |
| Net interest margin | 2.7891% | 3,759 |
| Noninterest income to average assets | 0.6000% | 1,705 |
| Noninterest expense to average assets | 1.5939% | 4,306 |
| Loan and lease loss provision to assets | 0.0600% | 1,588 |
| Net operating income to assets | 1.1781% | 1,782 |
| Return on assets (ROA) | 1.1781% | 1,756 |
| Pretax return on assets | 1.5297% | 1,327 |
| Return on Equity (ROE) | 10.5100% | 2,567 |
| Retained earnings to average equity (ytd only) | 2.8383% | 3,817 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 50.0000% | 4,161 |
| Assets per employee ($millions) | 8.9747% | 902 |
| Cash dividends to net income (ytd only)* | 72.9847% | 553 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5595% | 1,150 |
| Loan loss allowance to noncurrent loans | 36.6460% | 3,856 |
| Noncurrent assets plus other real estate owned to assets | 2.0354% | 123 |
| Noncurrent loans to loans | 4.2557% | 83 |
| Net loans and leases to total assets | 41.5000% | 4,004 |
| Net loans and leases to deposits | 46.3637% | 4,008 |
| Net loans and leases to core deposits | 46.8734% | 4,066 |
| Total domestic deposits to total assets | 89.5000% | 1,873 |
| Equity capital to assets | 10.2399% | 1,497 |
| Core capital (leverage) ratio | 11.8717% | 1,280 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $51,947,000 | 4,451 |
| Average earning assets | $48,282,000 | 4,423 |
| Average equity | $5,825,000 | 4,384 |
| Average total loans | $22,158,750 | 4,406 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7426% | 4,082 |
| Cost of funding earning assets | 0.1893% | 3,056 |
| Net interest margin | 2.5533% | 4,000 |
| Noninterest income to average assets | 0.4521% | 2,432 |
| Noninterest expense to average assets | 1.6214% | 4,276 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.9315% | 2,437 |
| Return on assets (ROA) | 0.9315% | 2,417 |
| Pretax return on assets | 1.1966% | 2,086 |
| Return on Equity (ROE) | 8.0625% | 3,003 |
| Retained earnings to average equity (ytd only) | 0.6410% | 4,068 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.5380% | 3,620 |
| Assets per employee ($millions) | 8.4140% | 1,103 |
| Cash dividends to net income (ytd only)* | 92.0502% | 450 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4851% | 1,450 |
| Loan loss allowance to noncurrent loans | 34.2352% | 3,909 |
| Noncurrent assets plus other real estate owned to assets | 3.1099% | 56 |
| Noncurrent loans to loans | 4.3378% | 81 |
| Net loans and leases to total assets | 43.2315% | 3,890 |
| Net loans and leases to deposits | 48.8419% | 3,871 |
| Net loans and leases to core deposits | 49.4181% | 3,961 |
| Total domestic deposits to total assets | 88.5132% | 2,377 |
| Equity capital to assets | 11.2709% | 1,111 |
| Core capital (leverage) ratio | 11.9106% | 1,179 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $51,313,333 | 4,499 |
| Average earning assets | $47,546,333 | 4,484 |
| Average equity | $5,928,667 | 4,418 |
| Average total loans | $21,978,667 | 4,464 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6386% | 4,052 |
| Cost of funding earning assets | 0.1831% | 3,046 |
| Net interest margin | 2.4555% | 3,984 |
| Noninterest income to average assets | 0.5336% | 1,979 |
| Noninterest expense to average assets | 1.6393% | 4,232 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.9125% | 2,238 |
| Return on assets (ROA) | 0.9125% | 2,238 |
| Pretax return on assets | 1.1754% | 1,894 |
| Return on Equity (ROE) | 7.8042% | 2,757 |
| Retained earnings to average equity (ytd only) | -6.7460% | 4,485 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.2418% | 3,653 |
| Assets per employee ($millions) | 10.2446% | 644 |
| Cash dividends to net income (ytd only)* | 186.4407% | 232 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4835% | 1,606 |
| Loan loss allowance to noncurrent loans | 27.3710% | 3,992 |
| Noncurrent assets plus other real estate owned to assets | 2.7585% | 73 |
| Noncurrent loans to loans | 5.4198% | 60 |
| Net loans and leases to total assets | 42.6547% | 3,840 |
| Net loans and leases to deposits | 48.3160% | 3,848 |
| Net loans and leases to core deposits | 48.8792% | 3,936 |
| Total domestic deposits to total assets | 88.2826% | 2,395 |
| Equity capital to assets | 11.2723% | 1,206 |
| Core capital (leverage) ratio | 11.7416% | 1,177 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $51,728,000 | 4,520 |
| Average earning assets | $48,056,000 | 4,502 |
| Average equity | $6,048,000 | 4,460 |
| Average total loans | $21,891,000 | 4,482 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2420% | 3,369 |
| Cost of funding earning assets | 0.2090% | 3,378 |
| Net interest margin | 3.0330% | 3,102 |
| Noninterest income to average assets | 0.3414% | 3,371 |
| Noninterest expense to average assets | 1.4855% | 4,561 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.2524% | 1,734 |
| Return on assets (ROA) | 1.2618% | 1,764 |
| Pretax return on assets | 1.6492% | 1,275 |
| Return on Equity (ROE) | 10.4411% | 2,374 |
| Retained earnings to average equity (ytd only) | 8.8716% | 1,242 |
| Net charge-offs to loans | -0.0094% | 3,722 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.5703% | 4,433 |
| Assets per employee ($millions) | 10.4466% | 589 |
| Cash dividends to net income (ytd only)* | 15.0316% | 3,190 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5229% | 1,473 |
| Loan loss allowance to noncurrent loans | 57.6182% | 3,827 |
| Noncurrent assets plus other real estate owned to assets | 1.5259% | 268 |
| Noncurrent loans to loans | 2.6430% | 251 |
| Net loans and leases to total assets | 40.7310% | 4,047 |
| Net loans and leases to deposits | 46.7100% | 4,061 |
| Net loans and leases to core deposits | 46.9865% | 4,141 |
| Total domestic deposits to total assets | 87.1997% | 2,438 |
| Equity capital to assets | 12.1035% | 1,212 |
| Core capital (leverage) ratio | 11.4917% | 1,294 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $50,085,800 | 4,561 |
| Average earning assets | $45,928,800 | 4,550 |
| Average equity | $6,053,000 | 4,525 |
| Average total loans | $21,275,000 | 4,544 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6985% | 4,407 |
| Cost of funding earning assets | 0.2155% | 3,462 |
| Net interest margin | 2.4829% | 4,309 |
| Noninterest income to average assets | 0.3283% | 3,464 |
| Noninterest expense to average assets | 1.5473% | 4,538 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.8107% | 3,499 |
| Return on assets (ROA) | 0.8234% | 3,532 |
| Pretax return on assets | 1.0602% | 3,300 |
| Return on Equity (ROE) | 6.8160% | 3,717 |
| Retained earnings to average equity (ytd only) | 4.6999% | 3,332 |
| Net charge-offs to loans | -0.0189% | 3,939 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.7092% | 3,023 |
| Assets per employee ($millions) | 10.4066% | 571 |
| Cash dividends to net income (ytd only)* | 31.0458% | 2,023 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6102% | 1,317 |
| Loan loss allowance to noncurrent loans | 38.8235% | 4,058 |
| Noncurrent assets plus other real estate owned to assets | 2.0391% | 177 |
| Noncurrent loans to loans | 4.1476% | 120 |
| Net loans and leases to total assets | 38.7523% | 4,266 |
| Net loans and leases to deposits | 44.1061% | 4,306 |
| Net loans and leases to core deposits | 44.3662% | 4,364 |
| Total domestic deposits to total assets | 87.8615% | 1,928 |
| Equity capital to assets | 11.5926% | 1,612 |
| Core capital (leverage) ratio | 11.2745% | 1,490 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $49,549,000 | 4,629 |
| Average earning assets | $45,160,250 | 4,624 |
| Average equity | $5,985,750 | 4,595 |
| Average total loans | $21,192,750 | 4,610 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7296% | 4,426 |
| Cost of funding earning assets | 0.2200% | 3,560 |
| Net interest margin | 2.5096% | 4,288 |
| Noninterest income to average assets | 0.3243% | 3,482 |
| Noninterest expense to average assets | 1.6174% | 4,488 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.7769% | 3,576 |
| Return on assets (ROA) | 0.7964% | 3,596 |
| Pretax return on assets | 1.0263% | 3,384 |
| Return on Equity (ROE) | 6.4988% | 3,785 |
| Retained earnings to average equity (ytd only) | 6.4988% | 2,626 |
| Net charge-offs to loans | -0.0280% | 4,133 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7555% | 2,767 |
| Assets per employee ($millions) | 8.3443% | 1,064 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5109% | 1,551 |
| Loan loss allowance to noncurrent loans | 38.2387% | 4,081 |
| Noncurrent assets plus other real estate owned to assets | 2.1452% | 188 |
| Noncurrent loans to loans | 3.9511% | 142 |
| Net loans and leases to total assets | 42.9673% | 4,116 |
| Net loans and leases to deposits | 49.2142% | 4,156 |
| Net loans and leases to core deposits | 49.2142% | 4,268 |
| Total domestic deposits to total assets | 87.3068% | 2,168 |
| Equity capital to assets | 12.0701% | 1,329 |
| Core capital (leverage) ratio | 11.2493% | 1,447 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $48,721,000 | 4,666 |
| Average earning assets | $44,548,333 | 4,659 |
| Average equity | $5,970,333 | 4,622 |
| Average total loans | $21,425,667 | 4,640 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7913% | 4,384 |
| Cost of funding earning assets | 0.2364% | 3,595 |
| Net interest margin | 2.5549% | 4,227 |
| Noninterest income to average assets | 0.3247% | 3,474 |
| Noninterest expense to average assets | 1.7815% | 4,248 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.6910% | 3,730 |
| Return on assets (ROA) | 0.6910% | 3,797 |
| Pretax return on assets | 0.8824% | 3,644 |
| Return on Equity (ROE) | 5.5949% | 3,970 |
| Retained earnings to average equity (ytd only) | 5.5949% | 3,031 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8750% | 2,100 |
| Assets per employee ($millions) | 9.7712% | 637 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5067% | 1,584 |
| Loan loss allowance to noncurrent loans | 35.6598% | 4,162 |
| Noncurrent assets plus other real estate owned to assets | 2.3088% | 192 |
| Noncurrent loans to loans | 4.2252% | 125 |
| Net loans and leases to total assets | 43.7531% | 4,129 |
| Net loans and leases to deposits | 50.2681% | 4,143 |
| Net loans and leases to core deposits | 50.2681% | 4,289 |
| Total domestic deposits to total assets | 87.0395% | 2,301 |
| Equity capital to assets | 12.1684% | 1,217 |
| Core capital (leverage) ratio | 11.6068% | 1,349 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $48,048,500 | 4,694 |
| Average earning assets | $43,994,000 | 4,683 |
| Average equity | $5,934,000 | 4,643 |
| Average total loans | $21,217,500 | 4,669 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4016% | 4,193 |
| Cost of funding earning assets | 0.3240% | 4,008 |
| Net interest margin | 3.0776% | 3,683 |
| Noninterest income to average assets | 0.5362% | 2,480 |
| Noninterest expense to average assets | 1.8883% | 4,335 |
| Loan and lease loss provision to assets | 0.1865% | 2,087 |
| Net operating income to assets | 0.9675% | 2,408 |
| Return on assets (ROA) | 0.9675% | 2,555 |
| Pretax return on assets | 1.2519% | 2,149 |
| Return on Equity (ROE) | 7.2804% | 3,085 |
| Retained earnings to average equity (ytd only) | 7.2804% | 1,287 |
| Net charge-offs to loans | 0.0333% | 2,380 |
| Credit loss provision to net charge-offs | 1,142.8571% | 705 |
| Earnings coverage of net charge-offs (x) | 88.1429% | 851 |
| Efficiency ratio | 54.8704% | 4,105 |
| Assets per employee ($millions) | 9.4482% | 637 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5773% | 1,363 |
| Loan loss allowance to noncurrent loans | 37.6295% | 4,196 |
| Noncurrent assets plus other real estate owned to assets | 2.2861% | 221 |
| Noncurrent loans to loans | 4.1916% | 128 |
| Net loans and leases to total assets | 43.1934% | 4,293 |
| Net loans and leases to deposits | 49.8644% | 4,322 |
| Net loans and leases to core deposits | 50.3491% | 4,408 |
| Total domestic deposits to total assets | 86.6218% | 2,104 |
| Equity capital to assets | 12.5378% | 1,296 |
| Core capital (leverage) ratio | 11.8759% | 1,287 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $42,894,800 | 4,736 |
| Average earning assets | $38,894,000 | 4,730 |
| Average equity | $5,700,200 | 4,675 |
| Average total loans | $21,028,600 | 4,691 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5622% | 4,101 |
| Cost of funding earning assets | 0.3418% | 4,099 |
| Net interest margin | 3.2204% | 3,426 |
| Noninterest income to average assets | 0.6091% | 2,139 |
| Noninterest expense to average assets | 1.9772% | 4,201 |
| Loan and lease loss provision to assets | 0.2559% | 1,587 |
| Net operating income to assets | 0.9982% | 2,346 |
| Return on assets (ROA) | 0.9982% | 2,475 |
| Pretax return on assets | 1.2916% | 2,089 |
| Return on Equity (ROE) | 7.3934% | 3,055 |
| Retained earnings to average equity (ytd only) | 7.3934% | 1,540 |
| Net charge-offs to loans | 0.0253% | 2,329 |
| Credit loss provision to net charge-offs | 2,000.0000% | 472 |
| Earnings coverage of net charge-offs (x) | 121.2500% | 689 |
| Efficiency ratio | 54.2986% | 4,119 |
| Assets per employee ($millions) | 7.8225% | 1,066 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5156% | 1,341 |
| Loan loss allowance to noncurrent loans | 33.9157% | 4,254 |
| Noncurrent assets plus other real estate owned to assets | 2.5226% | 213 |
| Noncurrent loans to loans | 4.4688% | 135 |
| Net loans and leases to total assets | 45.6866% | 4,329 |
| Net loans and leases to deposits | 52.6674% | 4,386 |
| Net loans and leases to core deposits | 53.1820% | 4,485 |
| Total domestic deposits to total assets | 86.7455% | 1,752 |
| Equity capital to assets | 12.4257% | 1,455 |
| Core capital (leverage) ratio | 11.9320% | 1,368 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $41,808,250 | 4,770 |
| Average earning assets | $37,840,750 | 4,766 |
| Average equity | $5,644,500 | 4,701 |
| Average total loans | $21,102,750 | 4,721 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7551% | 3,977 |
| Cost of funding earning assets | 0.3684% | 4,181 |
| Net interest margin | 3.3867% | 3,144 |
| Noninterest income to average assets | 0.4638% | 2,743 |
| Noninterest expense to average assets | 2.0349% | 4,160 |
| Loan and lease loss provision to assets | 0.1496% | 2,508 |
| Net operating income to assets | 1.0424% | 2,179 |
| Return on assets (ROA) | 1.0424% | 2,310 |
| Pretax return on assets | 1.3516% | 1,860 |
| Return on Equity (ROE) | 7.4884% | 2,938 |
| Retained earnings to average equity (ytd only) | 7.4884% | 1,468 |
| Net charge-offs to loans | 0.0383% | 1,980 |
| Credit loss provision to net charge-offs | 750.0000% | 949 |
| Earnings coverage of net charge-offs (x) | 75.2500% | 842 |
| Efficiency ratio | 55.7123% | 3,981 |
| Assets per employee ($millions) | 7.2265% | 1,308 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3272% | 1,881 |
| Loan loss allowance to noncurrent loans | 35.0438% | 4,313 |
| Noncurrent assets plus other real estate owned to assets | 2.3294% | 262 |
| Noncurrent loans to loans | 3.7873% | 192 |
| Net loans and leases to total assets | 48.0108% | 4,253 |
| Net loans and leases to deposits | 56.0637% | 4,288 |
| Net loans and leases to core deposits | 57.0501% | 4,395 |
| Total domestic deposits to total assets | 85.6362% | 2,147 |
| Equity capital to assets | 13.2222% | 1,072 |
| Core capital (leverage) ratio | 12.4772% | 1,187 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $40,099,333 | 4,822 |
| Average earning assets | $36,377,667 | 4,811 |
| Average equity | $5,582,000 | 4,733 |
| Average total loans | $20,879,333 | 4,753 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9891% | 3,817 |
| Cost of funding earning assets | 0.4103% | 4,328 |
| Net interest margin | 3.5788% | 2,739 |
| Noninterest income to average assets | 0.4991% | 2,551 |
| Noninterest expense to average assets | 2.1524% | 4,111 |
| Loan and lease loss provision to assets | 0.2080% | 1,473 |
| Net operating income to assets | 1.0814% | 1,900 |
| Return on assets (ROA) | 1.0814% | 2,006 |
| Pretax return on assets | 1.4037% | 1,552 |
| Return on Equity (ROE) | 7.5547% | 2,714 |
| Retained earnings to average equity (ytd only) | 7.5547% | 1,361 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.2486% | 4,285 |
| Assets per employee ($millions) | 7.7706% | 809 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3382% | 1,960 |
| Loan loss allowance to noncurrent loans | 34.2072% | 4,335 |
| Noncurrent assets plus other real estate owned to assets | 2.8312% | 220 |
| Noncurrent loans to loans | 3.9121% | 202 |
| Net loans and leases to total assets | 51.9934% | 4,113 |
| Net loans and leases to deposits | 61.5565% | 4,126 |
| Net loans and leases to core deposits | 62.7848% | 4,246 |
| Total domestic deposits to total assets | 84.4645% | 2,609 |
| Equity capital to assets | 14.4004% | 925 |
| Core capital (leverage) ratio | 13.3572% | 1,082 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $38,469,500 | 4,876 |
| Average earning assets | $35,096,000 | 4,863 |
| Average equity | $5,506,500 | 4,783 |
| Average total loans | $20,770,500 | 4,792 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1258% | 3,990 |
| Cost of funding earning assets | 0.4547% | 4,259 |
| Net interest margin | 3.6711% | 2,901 |
| Noninterest income to average assets | 0.5633% | 2,404 |
| Noninterest expense to average assets | 2.2944% | 3,954 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.2169% | 1,991 |
| Return on assets (ROA) | 1.2169% | 2,082 |
| Pretax return on assets | 1.5806% | 1,541 |
| Return on Equity (ROE) | 8.6799% | 2,879 |
| Retained earnings to average equity (ytd only) | 8.6799% | 791 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.3042% | 4,051 |
| Assets per employee ($millions) | 6.3477% | 1,388 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2057% | 2,405 |
| Loan loss allowance to noncurrent loans | 48.0151% | 4,125 |
| Noncurrent assets plus other real estate owned to assets | 2.1740% | 344 |
| Noncurrent loans to loans | 2.5112% | 428 |
| Net loans and leases to total assets | 54.6448% | 4,034 |
| Net loans and leases to deposits | 64.4893% | 4,046 |
| Net loans and leases to core deposits | 65.7879% | 4,197 |
| Total domestic deposits to total assets | 84.7345% | 2,597 |
| Equity capital to assets | 14.2257% | 1,030 |
| Core capital (leverage) ratio | 13.8740% | 960 |
| Tier 1 risk-based capital ratio | 21.5600% | 1,079 |
| Total risk-based capital ratio | 22.6444% | 1,077 |
| Memoranda: | ||
| Average total assets | $36,567,400 | 4,946 |
| Average earning assets | $32,987,200 | 4,946 |
| Average equity | $5,126,800 | 4,868 |
| Average total loans | $19,657,000 | 4,872 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1281% | 4,092 |
| Cost of funding earning assets | 0.4669% | 4,275 |
| Net interest margin | 3.6612% | 3,056 |
| Noninterest income to average assets | 0.5821% | 2,301 |
| Noninterest expense to average assets | 2.2954% | 3,966 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.2195% | 2,129 |
| Return on assets (ROA) | 1.2195% | 2,202 |
| Pretax return on assets | 1.5806% | 1,701 |
| Return on Equity (ROE) | 8.7321% | 2,992 |
| Retained earnings to average equity (ytd only) | 8.7321% | 1,124 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.3194% | 4,028 |
| Assets per employee ($millions) | 6.2455% | 1,428 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2569% | 2,196 |
| Loan loss allowance to noncurrent loans | 33.1160% | 4,458 |
| Noncurrent assets plus other real estate owned to assets | 2.6099% | 247 |
| Noncurrent loans to loans | 3.7955% | 194 |
| Net loans and leases to total assets | 53.2490% | 4,234 |
| Net loans and leases to deposits | 62.7741% | 4,249 |
| Net loans and leases to core deposits | 64.5907% | 4,342 |
| Total domestic deposits to total assets | 84.8264% | 2,485 |
| Equity capital to assets | 14.1569% | 1,089 |
| Core capital (leverage) ratio | 13.2591% | 1,230 |
| Tier 1 risk-based capital ratio | 23.0266% | 943 |
| Total risk-based capital ratio | 24.2130% | 931 |
| Memoranda: | ||
| Average total assets | $36,187,750 | 5,026 |
| Average earning assets | $32,556,750 | 5,027 |
| Average equity | $5,054,000 | 4,939 |
| Average total loans | $19,304,750 | 4,950 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9656% | 4,445 |
| Cost of funding earning assets | 0.4433% | 4,350 |
| Net interest margin | 3.5223% | 3,522 |
| Noninterest income to average assets | 0.5201% | 2,566 |
| Noninterest expense to average assets | 2.3379% | 3,900 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.1074% | 2,496 |
| Return on assets (ROA) | 1.1074% | 2,569 |
| Pretax return on assets | 1.4262% | 2,117 |
| Return on Equity (ROE) | 7.9673% | 3,308 |
| Retained earnings to average equity (ytd only) | 7.9673% | 1,413 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1783% | 3,699 |
| Assets per employee ($millions) | 6.0435% | 1,512 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2725% | 2,129 |
| Loan loss allowance to noncurrent loans | 52.8067% | 4,141 |
| Noncurrent assets plus other real estate owned to assets | 1.9084% | 505 |
| Noncurrent loans to loans | 2.4098% | 506 |
| Net loans and leases to total assets | 54.3449% | 4,187 |
| Net loans and leases to deposits | 66.2208% | 4,085 |
| Net loans and leases to core deposits | 67.6671% | 4,223 |
| Total domestic deposits to total assets | 82.0661% | 3,492 |
| Equity capital to assets | 14.2136% | 1,045 |
| Core capital (leverage) ratio | 13.1601% | 1,232 |
| Tier 1 risk-based capital ratio | 21.7571% | 1,084 |
| Total risk-based capital ratio | 22.9103% | 1,074 |
| Memoranda: | ||
| Average total assets | $35,759,330 | 5,074 |
| Average earning assets | $32,933,330 | 5,062 |
| Average equity | $4,970,330 | 4,988 |
| Average total loans | $19,003,670 | 4,995 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8672% | 4,609 |
| Cost of funding earning assets | 0.4283% | 4,370 |
| Net interest margin | 3.4389% | 3,779 |
| Noninterest income to average assets | 0.4957% | 2,577 |
| Noninterest expense to average assets | 2.3769% | 3,829 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.0026% | 2,828 |
| Return on assets (ROA) | 1.0026% | 2,870 |
| Pretax return on assets | 1.2842% | 2,517 |
| Return on Equity (ROE) | 7.2973% | 3,551 |
| Retained earnings to average equity (ytd only) | 7.2973% | 1,931 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7692% | 3,417 |
| Assets per employee ($millions) | 5.8993% | 1,625 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3748% | 1,767 |
| Loan loss allowance to noncurrent loans | 51.2097% | 4,241 |
| Noncurrent assets plus other real estate owned to assets | 1.9974% | 493 |
| Noncurrent loans to loans | 2.6846% | 455 |
| Net loans and leases to total assets | 51.4804% | 4,379 |
| Net loans and leases to deposits | 60.4298% | 4,387 |
| Net loans and leases to core deposits | 61.7297% | 4,499 |
| Total domestic deposits to total assets | 85.1904% | 2,605 |
| Equity capital to assets | 14.0214% | 1,031 |
| Core capital (leverage) ratio | 13.3810% | 1,124 |
| Tier 1 risk-based capital ratio | 22.3539% | 1,008 |
| Total risk-based capital ratio | 23.5676% | 995 |
| Memoranda: | ||
| Average total assets | $35,508,500 | 5,129 |
| Average earning assets | $32,685,000 | 5,121 |
| Average equity | $4,878,500 | 5,045 |
| Average total loans | $18,525,500 | 5,068 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7918% | 4,504 |
| Cost of funding earning assets | 0.3188% | 4,474 |
| Net interest margin | 3.4730% | 3,793 |
| Noninterest income to average assets | 0.5223% | 2,702 |
| Noninterest expense to average assets | 2.8544% | 2,507 |
| Loan and lease loss provision to assets | 0.0503% | 3,178 |
| Net operating income to assets | 0.6228% | 4,357 |
| Return on assets (ROA) | 0.6228% | 4,367 |
| Pretax return on assets | 0.7820% | 4,219 |
| Return on Equity (ROE) | 4.7885% | 4,509 |
| Retained earnings to average equity (ytd only) | 4.7885% | 2,897 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.3788% | 1,443 |
| Assets per employee ($millions) | 5.9368% | 1,566 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3620% | 1,782 |
| Loan loss allowance to noncurrent loans | 48.7476% | 4,336 |
| Noncurrent assets plus other real estate owned to assets | 2.0494% | 459 |
| Noncurrent loans to loans | 2.7941% | 393 |
| Net loans and leases to total assets | 51.4360% | 4,433 |
| Net loans and leases to deposits | 60.0485% | 4,473 |
| Net loans and leases to core deposits | 60.5526% | 4,608 |
| Total domestic deposits to total assets | 85.6573% | 2,376 |
| Equity capital to assets | 13.4584% | 1,161 |
| Core capital (leverage) ratio | 13.0105% | 1,246 |
| Tier 1 risk-based capital ratio | 21.4256% | 1,108 |
| Total risk-based capital ratio | 22.6081% | 1,098 |
| Memoranda: | ||
| Average total assets | $35,804,400 | 5,165 |
| Average earning assets | $32,623,400 | 5,158 |
| Average equity | $4,657,000 | 5,093 |
| Average total loans | $18,452,800 | 5,108 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7920% | 4,456 |
| Cost of funding earning assets | 0.3088% | 4,462 |
| Net interest margin | 3.4832% | 3,750 |
| Noninterest income to average assets | 0.5244% | 2,718 |
| Noninterest expense to average assets | 3.1054% | 1,756 |
| Loan and lease loss provision to assets | 0.0521% | 2,942 |
| Net operating income to assets | 0.4054% | 4,944 |
| Return on assets (ROA) | 0.4054% | 4,946 |
| Pretax return on assets | 0.5132% | 4,882 |
| Return on Equity (ROE) | 3.1438% | 4,985 |
| Retained earnings to average equity (ytd only) | 3.1438% | 4,173 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.5735% | 738 |
| Assets per employee ($millions) | 7.1734% | 875 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3719% | 1,808 |
| Loan loss allowance to noncurrent loans | 24.1748% | 4,824 |
| Noncurrent assets plus other real estate owned to assets | 3.4739% | 165 |
| Noncurrent loans to loans | 5.6749% | 94 |
| Net loans and leases to total assets | 49.9094% | 4,600 |
| Net loans and leases to deposits | 57.8291% | 4,652 |
| Net loans and leases to core deposits | 58.3056% | 4,770 |
| Total domestic deposits to total assets | 86.3050% | 2,056 |
| Equity capital to assets | 12.8781% | 1,390 |
| Core capital (leverage) ratio | 12.4498% | 1,529 |
| Tier 1 risk-based capital ratio | 21.2649% | 1,146 |
| Total risk-based capital ratio | 22.4508% | 1,137 |
| Memoranda: | ||
| Average total assets | $35,850,250 | 5,224 |
| Average earning assets | $32,383,250 | 5,225 |
| Average equity | $4,622,750 | 5,160 |
| Average total loans | $18,422,250 | 5,170 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8895% | 4,103 |
| Cost of funding earning assets | 0.2872% | 4,517 |
| Net interest margin | 3.6023% | 3,301 |
| Noninterest income to average assets | 0.4910% | 2,908 |
| Noninterest expense to average assets | 3.2306% | 1,468 |
| Loan and lease loss provision to assets | 0.0502% | 2,912 |
| Net operating income to assets | 0.3348% | 5,070 |
| Return on assets (ROA) | 0.3348% | 5,067 |
| Pretax return on assets | 0.4296% | 5,016 |
| Return on Equity (ROE) | 2.5952% | 5,082 |
| Retained earnings to average equity (ytd only) | 2.5952% | 4,218 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.1128% | 622 |
| Assets per employee ($millions) | 4.5131% | 3,113 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3198% | 2,075 |
| Loan loss allowance to noncurrent loans | 42.7320% | 4,549 |
| Noncurrent assets plus other real estate owned to assets | 2.1798% | 456 |
| Noncurrent loans to loans | 3.0885% | 355 |
| Net loans and leases to total assets | 50.5304% | 4,577 |
| Net loans and leases to deposits | 58.4294% | 4,616 |
| Net loans and leases to core deposits | 58.9048% | 4,752 |
| Total domestic deposits to total assets | 86.4811% | 2,062 |
| Equity capital to assets | 12.7157% | 1,432 |
| Core capital (leverage) ratio | 12.4247% | 1,476 |
| Tier 1 risk-based capital ratio | 20.6817% | 1,222 |
| Total risk-based capital ratio | 21.8258% | 1,206 |
| Memoranda: | ||
| Average total assets | $35,844,670 | 5,290 |
| Average earning assets | $32,035,330 | 5,297 |
| Average equity | $4,624,000 | 5,219 |
| Average total loans | $18,513,000 | 5,227 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9284% | 3,850 |
| Cost of funding earning assets | 0.2770% | 4,531 |
| Net interest margin | 3.6514% | 2,981 |
| Noninterest income to average assets | 0.4480% | 3,126 |
| Noninterest expense to average assets | 2.7776% | 2,779 |
| Loan and lease loss provision to assets | 0.0560% | 2,649 |
| Net operating income to assets | 0.6720% | 4,202 |
| Return on assets (ROA) | 0.6720% | 4,206 |
| Pretax return on assets | 0.8624% | 3,974 |
| Return on Equity (ROE) | 5.1719% | 4,431 |
| Retained earnings to average equity (ytd only) | 5.1719% | 3,088 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0303% | 2,039 |
| Assets per employee ($millions) | 4.5348% | 3,105 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3353% | 2,082 |
| Loan loss allowance to noncurrent loans | 138.7283% | 2,888 |
| Noncurrent assets plus other real estate owned to assets | 1.0557% | 1,481 |
| Noncurrent loans to loans | 0.9625% | 1,893 |
| Net loans and leases to total assets | 48.8836% | 4,637 |
| Net loans and leases to deposits | 56.6419% | 4,667 |
| Net loans and leases to core deposits | 57.1015% | 4,792 |
| Total domestic deposits to total assets | 86.3030% | 2,401 |
| Equity capital to assets | 12.7626% | 1,354 |
| Core capital (leverage) ratio | 12.5025% | 1,389 |
| Tier 1 risk-based capital ratio | 21.1551% | 1,182 |
| Total risk-based capital ratio | 22.3064% | 1,171 |
| Memoranda: | ||
| Average total assets | $35,714,500 | 5,350 |
| Average earning assets | $31,769,000 | 5,359 |
| Average equity | $4,640,500 | 5,269 |
| Average total loans | $18,525,500 | 5,288 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8548% | 3,873 |
| Cost of funding earning assets | 0.2883% | 4,240 |
| Net interest margin | 3.5665% | 3,277 |
| Noninterest income to average assets | 0.5044% | 2,972 |
| Noninterest expense to average assets | 2.6746% | 3,215 |
| Loan and lease loss provision to assets | 0.0499% | 3,222 |
| Net operating income to assets | 0.7400% | 3,424 |
| Return on assets (ROA) | 0.7400% | 3,469 |
| Pretax return on assets | 1.0033% | 3,555 |
| Return on Equity (ROE) | 5.8738% | 3,815 |
| Retained earnings to average equity (ytd only) | 5.8738% | 1,612 |
| Net charge-offs to loans | 0.0054% | 3,894 |
| Credit loss provision to net charge-offs | 1,800.0000% | 211 |
| Earnings coverage of net charge-offs (x) | 380.0000% | 231 |
| Efficiency ratio | 69.7398% | 2,604 |
| Assets per employee ($millions) | 4.3939% | 3,354 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2318% | 2,589 |
| Loan loss allowance to noncurrent loans | 106.8182% | 3,404 |
| Noncurrent assets plus other real estate owned to assets | 1.2261% | 1,196 |
| Noncurrent loans to loans | 1.1532% | 1,542 |
| Net loans and leases to total assets | 53.6030% | 4,393 |
| Net loans and leases to deposits | 62.4983% | 4,411 |
| Net loans and leases to core deposits | 63.0230% | 4,598 |
| Total domestic deposits to total assets | 85.7671% | 2,548 |
| Equity capital to assets | 13.2315% | 1,154 |
| Core capital (leverage) ratio | 11.9382% | 1,638 |
| Tier 1 risk-based capital ratio | 20.5013% | 1,226 |
| Total risk-based capital ratio | 21.6086% | 1,223 |
| Memoranda: | ||
| Average total assets | $36,080,600 | 5,393 |
| Average earning assets | $32,609,000 | 5,394 |
| Average equity | $4,545,600 | 5,341 |
| Average total loans | $18,451,600 | 5,343 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7574% | 4,151 |
| Cost of funding earning assets | 0.2834% | 4,283 |
| Net interest margin | 3.4739% | 3,591 |
| Noninterest income to average assets | 0.5104% | 2,967 |
| Noninterest expense to average assets | 2.6987% | 3,066 |
| Loan and lease loss provision to assets | 0.0514% | 3,070 |
| Net operating income to assets | 0.6132% | 4,343 |
| Return on assets (ROA) | 0.6132% | 4,387 |
| Pretax return on assets | 0.9106% | 4,003 |
| Return on Equity (ROE) | 4.9269% | 4,551 |
| Retained earnings to average equity (ytd only) | 4.9269% | 2,936 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7151% | 2,244 |
| Assets per employee ($millions) | 5.3127% | 2,108 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2460% | 2,664 |
| Loan loss allowance to noncurrent loans | 81.9788% | 3,875 |
| Noncurrent assets plus other real estate owned to assets | 1.4198% | 1,094 |
| Noncurrent loans to loans | 1.5199% | 1,228 |
| Net loans and leases to total assets | 49.4447% | 4,739 |
| Net loans and leases to deposits | 58.8002% | 4,693 |
| Net loans and leases to core deposits | 58.8002% | 4,878 |
| Total domestic deposits to total assets | 84.0894% | 3,092 |
| Equity capital to assets | 12.4203% | 1,704 |
| Core capital (leverage) ratio | 11.7233% | 1,869 |
| Tier 1 risk-based capital ratio | 19.7664% | 1,420 |
| Total risk-based capital ratio | 20.8461% | 1,423 |
| Memoranda: | ||
| Average total assets | $36,313,000 | 5,452 |
| Average earning assets | $32,930,000 | 5,446 |
| Average equity | $4,519,250 | 5,400 |
| Average total loans | $18,295,250 | 5,407 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8348% | 3,776 |
| Cost of funding earning assets | 0.2907% | 4,180 |
| Net interest margin | 3.5441% | 3,242 |
| Noninterest income to average assets | 0.4608% | 3,281 |
| Noninterest expense to average assets | 2.7206% | 3,010 |
| Loan and lease loss provision to assets | 0.0500% | 2,990 |
| Net operating income to assets | 0.5941% | 4,334 |
| Return on assets (ROA) | 0.5941% | 4,381 |
| Pretax return on assets | 0.8717% | 4,026 |
| Return on Equity (ROE) | 4.7704% | 4,580 |
| Retained earnings to average equity (ytd only) | 4.7704% | 2,872 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7134% | 2,232 |
| Assets per employee ($millions) | 4.5209% | 3,069 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2635% | 2,602 |
| Loan loss allowance to noncurrent loans | 82.2464% | 3,905 |
| Noncurrent assets plus other real estate owned to assets | 1.4433% | 1,078 |
| Noncurrent loans to loans | 1.5362% | 1,216 |
| Net loans and leases to total assets | 49.0475% | 4,762 |
| Net loans and leases to deposits | 59.5748% | 4,664 |
| Net loans and leases to core deposits | 59.5748% | 4,839 |
| Total domestic deposits to total assets | 82.3292% | 3,794 |
| Equity capital to assets | 12.6386% | 1,552 |
| Core capital (leverage) ratio | 11.5130% | 1,963 |
| Tier 1 risk-based capital ratio | 20.1639% | 1,338 |
| Total risk-based capital ratio | 21.2584% | 1,333 |
| Memoranda: | ||
| Average total assets | $36,021,000 | 5,503 |
| Average earning assets | $32,335,330 | 5,501 |
| Average equity | $4,486,000 | 5,446 |
| Average total loans | $18,187,000 | 5,457 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7667% | 3,882 |
| Cost of funding earning assets | 0.2840% | 4,209 |
| Net interest margin | 3.4826% | 3,340 |
| Noninterest income to average assets | 0.4673% | 3,205 |
| Noninterest expense to average assets | 2.7150% | 3,085 |
| Loan and lease loss provision to assets | 0.0556% | 2,694 |
| Net operating income to assets | 0.5786% | 4,240 |
| Return on assets (ROA) | 0.5786% | 4,283 |
| Pretax return on assets | 0.8345% | 3,993 |
| Return on Equity (ROE) | 4.6810% | 4,523 |
| Retained earnings to average equity (ytd only) | 4.6810% | 3,066 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1481% | 2,382 |
| Assets per employee ($millions) | 5.2151% | 2,164 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2217% | 2,998 |
| Loan loss allowance to noncurrent loans | 65.3959% | 4,302 |
| Noncurrent assets plus other real estate owned to assets | 1.6080% | 969 |
| Noncurrent loans to loans | 1.8681% | 989 |
| Net loans and leases to total assets | 49.3919% | 4,724 |
| Net loans and leases to deposits | 60.5860% | 4,528 |
| Net loans and leases to core deposits | 60.5860% | 4,745 |
| Total domestic deposits to total assets | 81.5236% | 4,291 |
| Equity capital to assets | 12.2774% | 1,670 |
| Core capital (leverage) ratio | 11.5007% | 1,949 |
| Tier 1 risk-based capital ratio | 19.6624% | 1,459 |
| Total risk-based capital ratio | 20.7258% | 1,466 |
| Memoranda: | ||
| Average total assets | $35,948,000 | 5,569 |
| Average earning assets | $32,389,500 | 5,568 |
| Average equity | $4,443,500 | 5,507 |
| Average total loans | $18,297,500 | 5,512 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8047% | 3,900 |
| Cost of funding earning assets | 0.2539% | 4,531 |
| Net interest margin | 3.5508% | 3,247 |
| Noninterest income to average assets | 1.3949% | 587 |
| Noninterest expense to average assets | 2.7677% | 3,127 |
| Loan and lease loss provision to assets | 0.3223% | 561 |
| Net operating income to assets | 0.9948% | 2,371 |
| Return on assets (ROA) | 0.9948% | 2,475 |
| Pretax return on assets | 1.4533% | 1,741 |
| Return on Equity (ROE) | 8.4315% | 2,721 |
| Retained earnings to average equity (ytd only) | 8.4315% | 726 |
| Net charge-offs to loans | 0.1812% | 1,529 |
| Credit loss provision to net charge-offs | 374.1935% | 839 |
| Earnings coverage of net charge-offs (x) | 20.6129% | 1,846 |
| Efficiency ratio | 59.2661% | 4,694 |
| Assets per employee ($millions) | 5.0557% | 2,329 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1886% | 3,188 |
| Loan loss allowance to noncurrent loans | 77.8571% | 4,045 |
| Noncurrent assets plus other real estate owned to assets | 1.4919% | 1,123 |
| Noncurrent loans to loans | 1.5266% | 1,309 |
| Net loans and leases to total assets | 51.2094% | 4,672 |
| Net loans and leases to deposits | 63.0256% | 4,471 |
| Net loans and leases to core deposits | 63.0256% | 4,690 |
| Total domestic deposits to total assets | 81.2518% | 4,272 |
| Equity capital to assets | 12.4470% | 1,556 |
| Core capital (leverage) ratio | 11.1930% | 2,173 |
| Tier 1 risk-based capital ratio | 19.5786% | 1,459 |
| Total risk-based capital ratio | 20.6273% | 1,470 |
| Memoranda: | ||
| Average total assets | $35,987,200 | 5,619 |
| Average earning assets | $31,908,000 | 5,629 |
| Average equity | $4,246,000 | 5,602 |
| Average total loans | $17,107,600 | 5,610 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7855% | 3,963 |
| Cost of funding earning assets | 0.2476% | 4,622 |
| Net interest margin | 3.5379% | 3,328 |
| Noninterest income to average assets | 0.6272% | 2,535 |
| Noninterest expense to average assets | 2.7893% | 3,043 |
| Loan and lease loss provision to assets | 0.3394% | 475 |
| Net operating income to assets | 0.4428% | 4,894 |
| Return on assets (ROA) | 0.4428% | 4,977 |
| Pretax return on assets | 0.6088% | 4,854 |
| Return on Equity (ROE) | 3.8039% | 4,983 |
| Retained earnings to average equity (ytd only) | 3.8039% | 3,606 |
| Net charge-offs to loans | 0.0159% | 3,411 |
| Credit loss provision to net charge-offs | 4,600.0000% | 115 |
| Earnings coverage of net charge-offs (x) | 128.3371% | 534 |
| Efficiency ratio | 72.6555% | 2,479 |
| Assets per employee ($millions) | 4.4659% | 3,138 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2458% | 2,984 |
| Loan loss allowance to noncurrent loans | 39.6092% | 4,980 |
| Noncurrent assets plus other real estate owned to assets | 2.1692% | 685 |
| Noncurrent loans to loans | 3.1453% | 455 |
| Net loans and leases to total assets | 49.4780% | 4,856 |
| Net loans and leases to deposits | 60.4383% | 4,724 |
| Net loans and leases to core deposits | 60.4383% | 4,909 |
| Total domestic deposits to total assets | 81.8653% | 3,974 |
| Equity capital to assets | 12.0245% | 2,101 |
| Core capital (leverage) ratio | 10.9013% | 2,561 |
| Tier 1 risk-based capital ratio | 18.7039% | 1,735 |
| Total risk-based capital ratio | 19.7938% | 1,741 |
| Memoranda: | ||
| Average total assets | $36,136,500 | 5,671 |
| Average earning assets | $31,769,250 | 5,692 |
| Average equity | $4,206,250 | 5,671 |
| Average total loans | $16,799,250 | 5,678 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8037% | 3,942 |
| Cost of funding earning assets | 0.2468% | 4,690 |
| Net interest margin | 3.5568% | 3,271 |
| Noninterest income to average assets | 0.6672% | 2,296 |
| Noninterest expense to average assets | 2.8341% | 2,901 |
| Loan and lease loss provision to assets | 0.3363% | 490 |
| Net operating income to assets | 0.4356% | 4,920 |
| Return on assets (ROA) | 0.4356% | 5,005 |
| Pretax return on assets | 0.5955% | 4,899 |
| Return on Equity (ROE) | 3.7832% | 4,986 |
| Retained earnings to average equity (ytd only) | 3.7832% | 3,484 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3529% | 2,460 |
| Assets per employee ($millions) | 4.5311% | 2,964 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1379% | 3,730 |
| Loan loss allowance to noncurrent loans | 65.7627% | 4,440 |
| Noncurrent assets plus other real estate owned to assets | 1.4069% | 1,395 |
| Noncurrent loans to loans | 1.7303% | 1,218 |
| Net loans and leases to total assets | 46.4978% | 5,096 |
| Net loans and leases to deposits | 53.1251% | 5,188 |
| Net loans and leases to core deposits | 53.1251% | 5,318 |
| Total domestic deposits to total assets | 87.5252% | 1,660 |
| Equity capital to assets | 11.7272% | 2,332 |
| Core capital (leverage) ratio | 10.2254% | 3,303 |
| Tier 1 risk-based capital ratio | 19.9210% | 1,474 |
| Total risk-based capital ratio | 20.9426% | 1,486 |
| Memoranda: | ||
| Average total assets | $36,273,000 | 5,735 |
| Average earning assets | $31,601,000 | 5,762 |
| Average equity | $4,176,330 | 5,738 |
| Average total loans | $16,432,330 | 5,760 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7131% | 4,273 |
| Cost of funding earning assets | 0.2561% | 4,641 |
| Net interest margin | 3.4570% | 3,635 |
| Noninterest income to average assets | 0.5402% | 2,867 |
| Noninterest expense to average assets | 2.7890% | 3,116 |
| Loan and lease loss provision to assets | 0.2205% | 867 |
| Net operating income to assets | 0.3748% | 5,070 |
| Return on assets (ROA) | 0.3748% | 5,145 |
| Pretax return on assets | 0.5071% | 5,068 |
| Return on Equity (ROE) | 3.2858% | 5,128 |
| Retained earnings to average equity (ytd only) | 3.2858% | 3,850 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1160% | 2,026 |
| Assets per employee ($millions) | 4.5518% | 2,977 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9241% | 4,974 |
| Loan loss allowance to noncurrent loans | 31.5464% | 5,257 |
| Noncurrent assets plus other real estate owned to assets | 1.9608% | 899 |
| Noncurrent loans to loans | 2.9295% | 565 |
| Net loans and leases to total assets | 45.0459% | 5,182 |
| Net loans and leases to deposits | 51.2098% | 5,263 |
| Net loans and leases to core deposits | 51.2098% | 5,398 |
| Total domestic deposits to total assets | 87.9634% | 1,659 |
| Equity capital to assets | 11.4928% | 2,447 |
| Core capital (leverage) ratio | 10.5100% | 2,951 |
| Tier 1 risk-based capital ratio | 20.1729% | 1,466 |
| Total risk-based capital ratio | 20.9995% | 1,523 |
| Memoranda: | ||
| Average total assets | $36,285,000 | 5,794 |
| Average earning assets | $31,241,000 | 5,826 |
| Average equity | $4,139,000 | 5,783 |
| Average total loans | $16,124,000 | 5,817 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5394% | 4,822 |
| Cost of funding earning assets | 0.2668% | 4,622 |
| Net interest margin | 3.2726% | 4,406 |
| Noninterest income to average assets | 1.7679% | 428 |
| Noninterest expense to average assets | 3.0146% | 2,494 |
| Loan and lease loss provision to assets | 0.8164% | 117 |
| Net operating income to assets | 0.5902% | 4,326 |
| Return on assets (ROA) | 0.5902% | 4,421 |
| Pretax return on assets | 0.7447% | 4,385 |
| Return on Equity (ROE) | 5.5072% | 4,282 |
| Retained earnings to average equity (ytd only) | 5.5072% | 2,080 |
| Net charge-offs to loans | 1.5745% | 95 |
| Credit loss provision to net charge-offs | 118.4000% | 2,174 |
| Earnings coverage of net charge-offs (x) | 2.2640% | 3,939 |
| Efficiency ratio | 64.2556% | 4,207 |
| Assets per employee ($millions) | 4.5195% | 3,011 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8476% | 5,272 |
| Loan loss allowance to noncurrent loans | 26.7606% | 5,386 |
| Noncurrent assets plus other real estate owned to assets | 2.0190% | 867 |
| Noncurrent loans to loans | 3.1672% | 484 |
| Net loans and leases to total assets | 43.0330% | 5,346 |
| Net loans and leases to deposits | 48.7774% | 5,451 |
| Net loans and leases to core deposits | 48.7774% | 5,537 |
| Total domestic deposits to total assets | 88.2233% | 1,525 |
| Equity capital to assets | 11.3204% | 2,526 |
| Core capital (leverage) ratio | 10.2899% | 3,164 |
| Tier 1 risk-based capital ratio | 20.2019% | 1,445 |
| Total risk-based capital ratio | 20.9235% | 1,519 |
| Memoranda: | ||
| Average total assets | $36,257,200 | 5,845 |
| Average earning assets | $31,107,200 | 5,878 |
| Average equity | $3,885,800 | 5,874 |
| Average total loans | $15,878,000 | 5,867 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5121% | 4,956 |
| Cost of funding earning assets | 0.2702% | 4,662 |
| Net interest margin | 3.2419% | 4,549 |
| Noninterest income to average assets | 2.0873% | 337 |
| Noninterest expense to average assets | 2.9986% | 2,530 |
| Loan and lease loss provision to assets | 1.0363% | 63 |
| Net operating income to assets | 0.5696% | 4,530 |
| Return on assets (ROA) | 0.5696% | 4,615 |
| Pretax return on assets | 0.8305% | 4,242 |
| Return on Equity (ROE) | 5.3902% | 4,450 |
| Retained earnings to average equity (ytd only) | 5.3902% | 2,650 |
| Net charge-offs to loans | 2.0932% | 52 |
| Credit loss provision to net charge-offs | 112.8000% | 2,076 |
| Earnings coverage of net charge-offs (x) | 2.0320% | 3,743 |
| Efficiency ratio | 60.1208% | 4,871 |
| Assets per employee ($millions) | 4.4721% | 3,059 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8012% | 5,516 |
| Loan loss allowance to noncurrent loans | 26.6219% | 5,494 |
| Noncurrent assets plus other real estate owned to assets | 1.9174% | 1,085 |
| Noncurrent loans to loans | 3.0095% | 585 |
| Net loans and leases to total assets | 41.1829% | 5,531 |
| Net loans and leases to deposits | 46.7791% | 5,620 |
| Net loans and leases to core deposits | 46.7791% | 5,704 |
| Total domestic deposits to total assets | 88.0370% | 1,533 |
| Equity capital to assets | 11.4152% | 2,568 |
| Core capital (leverage) ratio | 10.2558% | 3,304 |
| Tier 1 risk-based capital ratio | 21.1203% | 1,324 |
| Total risk-based capital ratio | 21.8069% | 1,390 |
| Memoranda: | ||
| Average total assets | $36,282,500 | 5,921 |
| Average earning assets | $31,091,750 | 5,959 |
| Average equity | $3,834,000 | 5,963 |
| Average total loans | $15,924,500 | 5,942 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4168% | 5,191 |
| Cost of funding earning assets | 0.2731% | 4,686 |
| Net interest margin | 3.1437% | 4,848 |
| Noninterest income to average assets | 0.6420% | 2,518 |
| Noninterest expense to average assets | 2.8422% | 3,095 |
| Loan and lease loss provision to assets | 2.0356% | 22 |
| Net operating income to assets | -1.0809% | 6,266 |
| Return on assets (ROA) | -1.0809% | 6,266 |
| Pretax return on assets | -1.5198% | 6,284 |
| Return on Equity (ROE) | -10.5048% | 6,260 |
| Retained earnings to average equity (ytd only) | -10.5048% | 6,184 |
| Net charge-offs to loans | 3.0709% | 38 |
| Credit loss provision to net charge-offs | 148.4000% | 1,547 |
| Earnings coverage of net charge-offs (x) | 0.3760% | 3,666 |
| Efficiency ratio | 82.5163% | 1,426 |
| Assets per employee ($millions) | 4.5095% | 2,971 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2957% | 3,266 |
| Loan loss allowance to noncurrent loans | 16.6800% | 5,715 |
| Noncurrent assets plus other real estate owned to assets | 4.1191% | 315 |
| Noncurrent loans to loans | 7.7680% | 92 |
| Net loans and leases to total assets | 43.9212% | 5,383 |
| Net loans and leases to deposits | 49.0542% | 5,552 |
| Net loans and leases to core deposits | 49.0542% | 5,650 |
| Total domestic deposits to total assets | 89.5360% | 881 |
| Equity capital to assets | 10.2423% | 3,760 |
| Core capital (leverage) ratio | 9.1447% | 4,759 |
| Tier 1 risk-based capital ratio | 17.6135% | 2,182 |
| Total risk-based capital ratio | 18.7220% | 2,189 |
| Memoranda: | ||
| Average total assets | $36,451,000 | 5,982 |
| Average earning assets | $31,491,330 | 6,011 |
| Average equity | $3,750,670 | 6,037 |
| Average total loans | $16,281,670 | 5,993 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3578% | 5,306 |
| Cost of funding earning assets | 0.2661% | 4,841 |
| Net interest margin | 3.0917% | 4,980 |
| Noninterest income to average assets | 0.4149% | 3,880 |
| Noninterest expense to average assets | 2.8713% | 3,001 |
| Loan and lease loss provision to assets | 3.9412% | 12 |
| Net operating income to assets | -2.6639% | 6,381 |
| Return on assets (ROA) | -2.6639% | 6,383 |
| Pretax return on assets | -3.7338% | 6,394 |
| Return on Equity (ROE) | -25.8304% | 6,373 |
| Retained earnings to average equity (ytd only) | -25.8304% | 6,320 |
| Net charge-offs to loans | 6.0747% | 11 |
| Credit loss provision to net charge-offs | 144.9799% | 1,277 |
| Earnings coverage of net charge-offs (x) | 0.0763% | 3,106 |
| Efficiency ratio | 90.7801% | 795 |
| Assets per employee ($millions) | 4.6390% | 2,847 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2278% | 3,799 |
| Loan loss allowance to noncurrent loans | 9.1494% | 5,801 |
| Noncurrent assets plus other real estate owned to assets | 6.5046% | 148 |
| Noncurrent loans to loans | 13.4193% | 31 |
| Net loans and leases to total assets | 43.1370% | 5,413 |
| Net loans and leases to deposits | 47.9613% | 5,566 |
| Net loans and leases to core deposits | 47.9613% | 5,673 |
| Total domestic deposits to total assets | 89.9413% | 770 |
| Equity capital to assets | 9.9159% | 4,241 |
| Core capital (leverage) ratio | 9.1550% | 4,783 |
| Tier 1 risk-based capital ratio | 16.8199% | 2,547 |
| Total risk-based capital ratio | 17.8476% | 2,589 |
| Memoranda: | ||
| Average total assets | $36,638,500 | 6,037 |
| Average earning assets | $31,568,000 | 6,073 |
| Average equity | $3,778,500 | 6,090 |
| Average total loans | $16,396,000 | 6,040 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7608% | 4,617 |
| Cost of funding earning assets | 0.2936% | 4,856 |
| Net interest margin | 3.4672% | 3,909 |
| Noninterest income to average assets | 0.5128% | 3,402 |
| Noninterest expense to average assets | 2.6921% | 3,895 |
| Loan and lease loss provision to assets | 0.1870% | 1,373 |
| Net operating income to assets | 0.4487% | 5,028 |
| Return on assets (ROA) | 0.4487% | 5,118 |
| Pretax return on assets | 0.5982% | 4,948 |
| Return on Equity (ROE) | 4.4541% | 4,913 |
| Retained earnings to average equity (ytd only) | 4.4541% | 3,004 |
| Net charge-offs to loans | 0.0442% | 3,941 |
| Credit loss provision to net charge-offs | 1,000.0000% | 268 |
| Earnings coverage of net charge-offs (x) | 42.0000% | 1,041 |
| Efficiency ratio | 75.3456% | 2,623 |
| Assets per employee ($millions) | 4.0183% | 3,917 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5246% | 6,227 |
| Loan loss allowance to noncurrent loans | 7.3356% | 5,927 |
| Noncurrent assets plus other real estate owned to assets | 3.9403% | 430 |
| Noncurrent loans to loans | 7.1515% | 140 |
| Net loans and leases to total assets | 45.6159% | 5,361 |
| Net loans and leases to deposits | 51.2091% | 5,522 |
| Net loans and leases to core deposits | 51.2091% | 5,650 |
| Total domestic deposits to total assets | 89.0778% | 1,194 |
| Equity capital to assets | 10.7203% | 3,212 |
| Core capital (leverage) ratio | 9.4800% | 4,275 |
| Tier 1 risk-based capital ratio | 18.5569% | 1,973 |
| Total risk-based capital ratio | 19.0318% | 2,172 |
| Memoranda: | ||
| Average total assets | $37,442,600 | 6,093 |
| Average earning assets | $32,014,200 | 6,144 |
| Average equity | $3,771,800 | 6,134 |
| Average total loans | $15,852,600 | 6,135 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6015% | 5,139 |
| Cost of funding earning assets | 0.2967% | 4,913 |
| Net interest margin | 3.3048% | 4,586 |
| Noninterest income to average assets | 0.4555% | 3,853 |
| Noninterest expense to average assets | 2.6763% | 3,911 |
| Loan and lease loss provision to assets | 0.1377% | 1,813 |
| Net operating income to assets | 0.3602% | 5,398 |
| Return on assets (ROA) | 0.3602% | 5,472 |
| Pretax return on assets | 0.4731% | 5,397 |
| Return on Equity (ROE) | 3.6310% | 5,317 |
| Retained earnings to average equity (ytd only) | 3.6310% | 4,064 |
| Net charge-offs to loans | 0.0595% | 3,357 |
| Credit loss provision to net charge-offs | 557.1429% | 523 |
| Earnings coverage of net charge-offs (x) | 24.7224% | 1,530 |
| Efficiency ratio | 79.2696% | 2,015 |
| Assets per employee ($millions) | 4.1638% | 3,539 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3512% | 6,436 |
| Loan loss allowance to noncurrent loans | 4.2650% | 6,041 |
| Noncurrent assets plus other real estate owned to assets | 4.1415% | 458 |
| Noncurrent loans to loans | 8.2340% | 115 |
| Net loans and leases to total assets | 42.4027% | 5,641 |
| Net loans and leases to deposits | 47.2396% | 5,810 |
| Net loans and leases to core deposits | 47.2396% | 5,915 |
| Total domestic deposits to total assets | 89.7609% | 841 |
| Equity capital to assets | 10.1163% | 4,032 |
| Core capital (leverage) ratio | 9.2532% | 4,701 |
| Tier 1 risk-based capital ratio | 18.3457% | 2,106 |
| Total risk-based capital ratio | 18.6545% | 2,392 |
| Memoranda: | ||
| Average total assets | $37,762,000 | 6,164 |
| Average earning assets | $32,356,250 | 6,209 |
| Average equity | $3,745,500 | 6,207 |
| Average total loans | $15,669,750 | 6,208 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5432% | 5,301 |
| Cost of funding earning assets | 0.3065% | 4,909 |
| Net interest margin | 3.2367% | 4,822 |
| Noninterest income to average assets | 0.4490% | 3,879 |
| Noninterest expense to average assets | 2.6362% | 4,108 |
| Loan and lease loss provision to assets | 0.1426% | 1,738 |
| Net operating income to assets | 0.3487% | 5,409 |
| Return on assets (ROA) | 0.3487% | 5,479 |
| Pretax return on assets | 0.4596% | 5,393 |
| Return on Equity (ROE) | 3.5386% | 5,333 |
| Retained earnings to average equity (ytd only) | 3.5386% | 3,949 |
| Net charge-offs to loans | 0.0642% | 3,074 |
| Credit loss provision to net charge-offs | 540.0000% | 557 |
| Earnings coverage of net charge-offs (x) | 22.8000% | 1,493 |
| Efficiency ratio | 81.4029% | 1,817 |
| Assets per employee ($millions) | 4.0114% | 3,814 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2966% | 6,537 |
| Loan loss allowance to noncurrent loans | 3.5115% | 6,100 |
| Noncurrent assets plus other real estate owned to assets | 3.6285% | 630 |
| Noncurrent loans to loans | 8.4473% | 112 |
| Net loans and leases to total assets | 42.8275% | 5,621 |
| Net loans and leases to deposits | 48.5082% | 5,742 |
| Net loans and leases to core deposits | 48.5082% | 5,877 |
| Total domestic deposits to total assets | 88.2891% | 1,743 |
| Equity capital to assets | 10.4756% | 3,471 |
| Core capital (leverage) ratio | 8.9759% | 5,055 |
| Tier 1 risk-based capital ratio | 19.1903% | 1,876 |
| Total risk-based capital ratio | 19.4590% | 2,128 |
| Memoranda: | ||
| Average total assets | $37,858,000 | 6,218 |
| Average earning assets | $32,626,000 | 6,259 |
| Average equity | $3,730,330 | 6,258 |
| Average total loans | $15,577,670 | 6,269 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4949% | 5,440 |
| Cost of funding earning assets | 0.3003% | 5,063 |
| Net interest margin | 3.1947% | 4,938 |
| Noninterest income to average assets | 0.3718% | 4,415 |
| Noninterest expense to average assets | 2.5610% | 4,411 |
| Loan and lease loss provision to assets | 0.1859% | 1,283 |
| Net operating income to assets | 0.2788% | 5,570 |
| Return on assets (ROA) | 0.2788% | 5,615 |
| Pretax return on assets | 0.3718% | 5,535 |
| Return on Equity (ROE) | 2.9154% | 5,490 |
| Retained earnings to average equity (ytd only) | 2.9154% | 4,351 |
| Net charge-offs to loans | 0.1281% | 1,949 |
| Credit loss provision to net charge-offs | 360.0000% | 697 |
| Earnings coverage of net charge-offs (x) | 10.8000% | 1,831 |
| Efficiency ratio | 82.1192% | 1,912 |
| Assets per employee ($millions) | 4.3407% | 3,267 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2417% | 6,626 |
| Loan loss allowance to noncurrent loans | 2.6451% | 6,195 |
| Noncurrent assets plus other real estate owned to assets | 3.4838% | 752 |
| Noncurrent loans to loans | 9.1385% | 123 |
| Net loans and leases to total assets | 38.0305% | 5,942 |
| Net loans and leases to deposits | 42.5556% | 6,048 |
| Net loans and leases to core deposits | 42.5556% | 6,142 |
| Total domestic deposits to total assets | 89.3667% | 1,436 |
| Equity capital to assets | 9.5223% | 4,470 |
| Core capital (leverage) ratio | 8.5987% | 5,528 |
| Tier 1 risk-based capital ratio | 20.3635% | 1,628 |
| Total risk-based capital ratio | 20.5899% | 1,844 |
| Memoranda: | ||
| Average total assets | $38,735,500 | 6,264 |
| Average earning assets | $33,305,500 | 6,304 |
| Average equity | $3,704,500 | 6,307 |
| Average total loans | $15,612,500 | 6,323 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.1128% | 6,767 |
| Cost of funding earning assets | 0.1024% | 6,666 |
| Net interest margin | 1.0104% | 6,761 |
| Noninterest income to average assets | 0.1400% | 6,241 |
| Noninterest expense to average assets | 0.8398% | 6,767 |
| Loan and lease loss provision to assets | 0.0569% | 4,005 |
| Net operating income to assets | 0.1186% | 6,005 |
| Return on assets (ROA) | 0.1186% | 6,066 |
| Pretax return on assets | 0.1566% | 6,010 |
| Return on Equity (ROE) | 0.8410% | 6,109 |
| Retained earnings to average equity (ytd only) | 0.8410% | 5,459 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.7027% | 2,511 |
| Assets per employee ($millions) | 4.2672% | 3,321 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1470% | 6,723 |
| Loan loss allowance to noncurrent loans | 1.8561% | 6,298 |
| Noncurrent assets plus other real estate owned to assets | 3.3667% | 894 |
| Noncurrent loans to loans | 7.9170% | 199 |
| Net loans and leases to total assets | 42.4632% | 5,797 |
| Net loans and leases to deposits | 47.5632% | 5,922 |
| Net loans and leases to core deposits | 47.5632% | 6,058 |
| Total domestic deposits to total assets | 89.2774% | 1,441 |
| Equity capital to assets | 9.6055% | 4,281 |
| Core capital (leverage) ratio | 8.4764% | 5,699 |
| Tier 1 risk-based capital ratio | 18.4673% | 2,093 |
| Total risk-based capital ratio | 18.6056% | 2,445 |
| Memoranda: | ||
| Average total assets | $42,152,400 | 6,222 |
| Average earning assets | $38,102,400 | 6,216 |
| Average equity | $5,945,400 | 5,834 |
| Average total loans | $16,840,400 | 6,329 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.4670% | 6,869 |
| Cost of funding earning assets | 0.0409% | 6,838 |
| Net interest margin | 0.4261% | 6,865 |
| Noninterest income to average assets | 0.0650% | 6,586 |
| Noninterest expense to average assets | 0.2723% | 6,880 |
| Loan and lease loss provision to assets | 0.0309% | 4,389 |
| Net operating income to assets | 0.1114% | 6,117 |
| Return on assets (ROA) | 0.1114% | 6,182 |
| Pretax return on assets | 0.1485% | 6,141 |
| Return on Equity (ROE) | 0.7374% | 6,225 |
| Retained earnings to average equity (ytd only) | 0.7374% | 5,681 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.9041% | 5,570 |
| Assets per employee ($millions) | 4.5624% | 2,780 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0628% | 6,821 |
| Loan loss allowance to noncurrent loans | 0.9302% | 6,388 |
| Noncurrent assets plus other real estate owned to assets | 2.6180% | 1,444 |
| Noncurrent loans to loans | 6.7546% | 320 |
| Net loans and leases to total assets | 38.7341% | 6,123 |
| Net loans and leases to deposits | 43.0423% | 6,263 |
| Net loans and leases to core deposits | 43.0423% | 6,345 |
| Total domestic deposits to total assets | 89.9907% | 1,001 |
| Equity capital to assets | 8.9864% | 5,207 |
| Core capital (leverage) ratio | 8.2828% | 5,990 |
| Tier 1 risk-based capital ratio | 17.3442% | 2,562 |
| Total risk-based capital ratio | 17.3992% | 3,067 |
| Memoranda: | ||
| Average total assets | $43,089,250 | 6,266 |
| Average earning assets | $39,112,000 | 6,263 |
| Average equity | $6,509,500 | 5,768 |
| Average total loans | $16,967,500 | 6,389 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8087% | 6,605 |
| Cost of funding earning assets | 0.3066% | 5,778 |
| Net interest margin | 2.5021% | 6,448 |
| Noninterest income to average assets | 0.4844% | 3,934 |
| Noninterest expense to average assets | 2.1296% | 5,800 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.4981% | 4,809 |
| Return on assets (ROA) | 0.4981% | 4,985 |
| Pretax return on assets | 0.6672% | 4,790 |
| Return on Equity (ROE) | 2.9264% | 5,646 |
| Retained earnings to average equity (ytd only) | 2.9264% | 4,446 |
| Net charge-offs to loans | -0.0231% | 6,013 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.1438% | 2,765 |
| Assets per employee ($millions) | 4.2133% | 3,328 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8030% | 704 |
| Loan loss allowance to noncurrent loans | 28.3914% | 6,075 |
| Noncurrent assets plus other real estate owned to assets | 3.9541% | 879 |
| Noncurrent loans to loans | 9.8726% | 162 |
| Net loans and leases to total assets | 38.9291% | 6,116 |
| Net loans and leases to deposits | 47.6553% | 6,004 |
| Net loans and leases to core deposits | 47.6553% | 6,148 |
| Total domestic deposits to total assets | 81.6889% | 5,147 |
| Equity capital to assets | 17.8103% | 335 |
| Core capital (leverage) ratio | 17.2474% | 349 |
| Tier 1 risk-based capital ratio | 39.2268% | 248 |
| Total risk-based capital ratio | 40.4894% | 240 |
| Memoranda: | ||
| Average total assets | $43,765,000 | 6,294 |
| Average earning assets | $40,445,330 | 6,268 |
| Average equity | $7,449,330 | 5,574 |
| Average total loans | $17,318,330 | 6,411 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7605% | 6,705 |
| Cost of funding earning assets | 0.3110% | 5,884 |
| Net interest margin | 2.4495% | 6,557 |
| Noninterest income to average assets | 0.3051% | 5,256 |
| Noninterest expense to average assets | 2.3149% | 5,385 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.1794% | 5,950 |
| Return on assets (ROA) | 0.1794% | 6,060 |
| Pretax return on assets | 0.2512% | 5,954 |
| Return on Equity (ROE) | 1.0779% | 6,203 |
| Retained earnings to average equity (ytd only) | 1.0779% | 5,419 |
| Net charge-offs to loans | -0.0228% | 5,780 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.2098% | 1,136 |
| Assets per employee ($millions) | 4.4790% | 3,011 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7726% | 845 |
| Loan loss allowance to noncurrent loans | 28.2466% | 6,087 |
| Noncurrent assets plus other real estate owned to assets | 3.7307% | 1,110 |
| Noncurrent loans to loans | 9.8156% | 219 |
| Net loans and leases to total assets | 36.9547% | 6,228 |
| Net loans and leases to deposits | 44.5449% | 6,157 |
| Net loans and leases to core deposits | 44.5449% | 6,285 |
| Total domestic deposits to total assets | 82.9605% | 4,865 |
| Equity capital to assets | 16.5863% | 480 |
| Core capital (leverage) ratio | 16.8381% | 369 |
| Tier 1 risk-based capital ratio | 37.4496% | 279 |
| Total risk-based capital ratio | 38.7147% | 275 |
| Memoranda: | ||
| Average total assets | $44,581,000 | 6,327 |
| Average earning assets | $41,151,500 | 6,306 |
| Average equity | $7,422,000 | 5,638 |
| Average total loans | $17,540,000 | 6,462 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7844% | 5,869 |
| Cost of funding earning assets | 0.4067% | 5,873 |
| Net interest margin | 3.3777% | 4,966 |
| Noninterest income to average assets | -0.7762% | 7,051 |
| Noninterest expense to average assets | 2.4330% | 5,310 |
| Loan and lease loss provision to assets | 0.1899% | 3,265 |
| Net operating income to assets | -0.2279% | 6,391 |
| Return on assets (ROA) | -0.2279% | 6,450 |
| Pretax return on assets | -0.3632% | 6,508 |
| Return on Equity (ROE) | -1.2587% | 6,403 |
| Retained earnings to average equity (ytd only) | -2.5960% | 6,229 |
| Net charge-offs to loans | 1.4349% | 637 |
| Credit loss provision to net charge-offs | 29.5203% | 5,123 |
| Earnings coverage of net charge-offs (x) | -0.2694% | 5,602 |
| Efficiency ratio | 107.6681% | 378 |
| Assets per employee ($millions) | 4.4372% | 3,076 |
| Cash dividends to net income (ytd only)* | -106.2500% | 7,064 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6086% | 1,012 |
| Loan loss allowance to noncurrent loans | 29.5483% | 6,080 |
| Noncurrent assets plus other real estate owned to assets | 3.5924% | 1,249 |
| Noncurrent loans to loans | 8.8281% | 304 |
| Net loans and leases to total assets | 39.6308% | 6,195 |
| Net loans and leases to deposits | 47.8425% | 6,118 |
| Net loans and leases to core deposits | 47.8425% | 6,277 |
| Total domestic deposits to total assets | 82.8360% | 4,785 |
| Equity capital to assets | 16.7110% | 448 |
| Core capital (leverage) ratio | 16.9849% | 356 |
| Tier 1 risk-based capital ratio | 33.6070% | 376 |
| Total risk-based capital ratio | 34.8678% | 372 |
| Memoranda: | ||
| Average total assets | $42,129,600 | 6,425 |
| Average earning assets | $37,865,600 | 6,436 |
| Average equity | $7,627,000 | 5,604 |
| Average total loans | $18,885,800 | 6,473 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9732% | 5,592 |
| Cost of funding earning assets | 0.4315% | 5,926 |
| Net interest margin | 3.5417% | 4,485 |
| Noninterest income to average assets | 0.4041% | 4,605 |
| Noninterest expense to average assets | 2.5050% | 5,062 |
| Loan and lease loss provision to assets | 0.2566% | 2,523 |
| Net operating income to assets | 0.5292% | 4,713 |
| Return on assets (ROA) | 0.5292% | 4,983 |
| Pretax return on assets | 0.8018% | 4,476 |
| Return on Equity (ROE) | 2.8645% | 5,723 |
| Retained earnings to average equity (ytd only) | 2.1354% | 5,260 |
| Net charge-offs to loans | 1.9343% | 387 |
| Credit loss provision to net charge-offs | 28.8809% | 4,814 |
| Earnings coverage of net charge-offs (x) | 1.1914% | 4,702 |
| Efficiency ratio | 70.2970% | 3,637 |
| Assets per employee ($millions) | 4.3652% | 3,138 |
| Cash dividends to net income (ytd only)* | 25.4557% | 2,840 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5162% | 1,190 |
| Loan loss allowance to noncurrent loans | 49.5208% | 5,152 |
| Noncurrent assets plus other real estate owned to assets | 3.4592% | 1,453 |
| Noncurrent loans to loans | 5.0812% | 883 |
| Net loans and leases to total assets | 41.2696% | 6,179 |
| Net loans and leases to deposits | 50.5075% | 6,074 |
| Net loans and leases to core deposits | 50.5075% | 6,253 |
| Total domestic deposits to total assets | 81.7099% | 5,122 |
| Equity capital to assets | 17.7311% | 382 |
| Core capital (leverage) ratio | 18.4998% | 274 |
| Tier 1 risk-based capital ratio | 36.7525% | 314 |
| Total risk-based capital ratio | 38.0122% | 308 |
| Memoranda: | ||
| Average total assets | $41,569,000 | 6,530 |
| Average earning assets | $37,081,000 | 6,546 |
| Average equity | $7,680,000 | 5,652 |
| Average total loans | $19,093,250 | 6,543 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1461% | 5,143 |
| Cost of funding earning assets | 0.4686% | 5,836 |
| Net interest margin | 3.6774% | 3,933 |
| Noninterest income to average assets | 0.4012% | 4,640 |
| Noninterest expense to average assets | 2.6569% | 4,583 |
| Loan and lease loss provision to assets | 0.2447% | 2,615 |
| Net operating income to assets | 0.5089% | 4,780 |
| Return on assets (ROA) | 0.5089% | 5,042 |
| Pretax return on assets | 0.7633% | 4,592 |
| Return on Equity (ROE) | 2.7154% | 5,803 |
| Retained earnings to average equity (ytd only) | 1.6188% | 5,396 |
| Net charge-offs to loans | 1.6893% | 542 |
| Credit loss provision to net charge-offs | 30.6748% | 4,431 |
| Earnings coverage of net charge-offs (x) | 1.2638% | 4,377 |
| Efficiency ratio | 72.4967% | 3,344 |
| Assets per employee ($millions) | 4.0009% | 3,872 |
| Cash dividends to net income (ytd only)* | 40.3846% | 2,159 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9865% | 788 |
| Loan loss allowance to noncurrent loans | 53.7708% | 4,921 |
| Noncurrent assets plus other real estate owned to assets | 3.9791% | 1,290 |
| Noncurrent loans to loans | 5.5540% | 836 |
| Net loans and leases to total assets | 44.5750% | 5,960 |
| Net loans and leases to deposits | 55.6443% | 5,691 |
| Net loans and leases to core deposits | 55.6443% | 5,971 |
| Total domestic deposits to total assets | 80.1070% | 5,712 |
| Equity capital to assets | 19.1907% | 267 |
| Core capital (leverage) ratio | 18.7411% | 258 |
| Tier 1 risk-based capital ratio | 35.3196% | 334 |
| Total risk-based capital ratio | 36.5859% | 329 |
| Memoranda: | ||
| Average total assets | $40,874,670 | 6,599 |
| Average earning assets | $36,275,330 | 6,615 |
| Average equity | $7,660,000 | 5,668 |
| Average total loans | $19,297,670 | 6,590 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6311% | 3,353 |
| Cost of funding earning assets | 0.4962% | 5,842 |
| Net interest margin | 4.1349% | 1,982 |
| Noninterest income to average assets | 0.3970% | 4,696 |
| Noninterest expense to average assets | 2.8469% | 3,835 |
| Loan and lease loss provision to assets | 0.1453% | 3,547 |
| Net operating income to assets | 0.6778% | 3,993 |
| Return on assets (ROA) | 0.6778% | 4,208 |
| Pretax return on assets | 1.0361% | 3,549 |
| Return on Equity (ROE) | 3.6597% | 5,443 |
| Retained earnings to average equity (ytd only) | 3.6597% | 4,386 |
| Net charge-offs to loans | 0.5062% | 1,820 |
| Credit loss provision to net charge-offs | 60.0000% | 3,112 |
| Earnings coverage of net charge-offs (x) | 4.8800% | 2,483 |
| Efficiency ratio | 70.6731% | 3,685 |
| Assets per employee ($millions) | 3.9245% | 4,156 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5615% | 515 |
| Loan loss allowance to noncurrent loans | 69.2880% | 4,069 |
| Noncurrent assets plus other real estate owned to assets | 3.5025% | 1,643 |
| Noncurrent loans to loans | 5.1401% | 1,073 |
| Net loans and leases to total assets | 40.8974% | 6,272 |
| Net loans and leases to deposits | 50.0553% | 6,133 |
| Net loans and leases to core deposits | 50.4140% | 6,313 |
| Total domestic deposits to total assets | 81.7045% | 5,395 |
| Equity capital to assets | 17.8021% | 351 |
| Core capital (leverage) ratio | 18.7878% | 251 |
| Tier 1 risk-based capital ratio | 34.0669% | 363 |
| Total risk-based capital ratio | 35.3359% | 355 |
| Memoranda: | ||
| Average total assets | $41,307,500 | 6,631 |
| Average earning assets | $36,276,500 | 6,665 |
| Average equity | $7,651,000 | 5,700 |
| Average total loans | $19,755,000 | 6,625 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2111% | 6,025 |
| Cost of funding earning assets | 0.5699% | 6,242 |
| Net interest margin | 3.6412% | 4,558 |
| Noninterest income to average assets | 0.3892% | 4,710 |
| Noninterest expense to average assets | 2.5930% | 5,127 |
| Loan and lease loss provision to assets | 0.1922% | 4,260 |
| Net operating income to assets | 0.5716% | 4,143 |
| Return on assets (ROA) | 0.5716% | 4,326 |
| Pretax return on assets | 0.8368% | 3,840 |
| Return on Equity (ROE) | 3.1058% | 5,243 |
| Retained earnings to average equity (ytd only) | 1.7578% | 4,961 |
| Net charge-offs to loans | 0.3629% | 3,590 |
| Credit loss provision to net charge-offs | 105.3333% | 3,251 |
| Earnings coverage of net charge-offs (x) | 5.6400% | 2,722 |
| Efficiency ratio | 71.5917% | 3,665 |
| Assets per employee ($millions) | 3.5860% | 4,810 |
| Cash dividends to net income (ytd only)* | 43.4043% | 2,400 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1222% | 732 |
| Loan loss allowance to noncurrent loans | 56.5329% | 4,684 |
| Noncurrent assets plus other real estate owned to assets | 4.4162% | 1,251 |
| Noncurrent loans to loans | 5.5228% | 952 |
| Net loans and leases to total assets | 52.0737% | 5,301 |
| Net loans and leases to deposits | 65.0485% | 4,867 |
| Net loans and leases to core deposits | 65.5696% | 5,314 |
| Total domestic deposits to total assets | 80.0537% | 5,729 |
| Equity capital to assets | 19.3099% | 266 |
| Core capital (leverage) ratio | 19.2760% | 231 |
| Tier 1 risk-based capital ratio | 31.3398% | 454 |
| Total risk-based capital ratio | 32.6084% | 449 |
| Memoranda: | ||
| Average total assets | $41,111,200 | 6,633 |
| Average earning assets | $36,499,200 | 6,654 |
| Average equity | $7,566,400 | 5,694 |
| Average total loans | $20,669,600 | 6,625 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1222% | 6,362 |
| Cost of funding earning assets | 0.5847% | 6,356 |
| Net interest margin | 3.5374% | 5,032 |
| Noninterest income to average assets | 0.3724% | 4,888 |
| Noninterest expense to average assets | 2.5557% | 5,256 |
| Loan and lease loss provision to assets | 0.2536% | 3,472 |
| Net operating income to assets | 0.4816% | 4,626 |
| Return on assets (ROA) | 0.4816% | 4,824 |
| Pretax return on assets | 0.7096% | 4,437 |
| Return on Equity (ROE) | 2.6477% | 5,561 |
| Retained earnings to average equity (ytd only) | 1.8004% | 5,234 |
| Net charge-offs to loans | 0.4999% | 2,758 |
| Credit loss provision to net charge-offs | 102.5974% | 3,244 |
| Earnings coverage of net charge-offs (x) | 3.8963% | 3,253 |
| Efficiency ratio | 72.6277% | 3,434 |
| Assets per employee ($millions) | 3.5858% | 4,794 |
| Cash dividends to net income (ytd only)* | 32.0000% | 2,385 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2315% | 702 |
| Loan loss allowance to noncurrent loans | 187.5000% | 1,635 |
| Noncurrent assets plus other real estate owned to assets | 2.4490% | 2,631 |
| Noncurrent loans to loans | 1.7235% | 3,730 |
| Net loans and leases to total assets | 50.1065% | 5,690 |
| Net loans and leases to deposits | 62.5107% | 5,342 |
| Net loans and leases to core deposits | 62.5107% | 5,768 |
| Total domestic deposits to total assets | 80.1567% | 5,691 |
| Equity capital to assets | 19.2450% | 300 |
| Core capital (leverage) ratio | 18.2339% | 306 |
| Tier 1 risk-based capital ratio | 32.1347% | 448 |
| Total risk-based capital ratio | 33.4026% | 441 |
| Memoranda: | ||
| Average total assets | $41,527,500 | 6,667 |
| Average earning assets | $36,937,500 | 6,703 |
| Average equity | $7,553,750 | 5,732 |
| Average total loans | $20,536,250 | 6,694 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1815% | 6,323 |
| Cost of funding earning assets | 0.5867% | 6,516 |
| Net interest margin | 3.5948% | 4,743 |
| Noninterest income to average assets | 0.4026% | 4,662 |
| Noninterest expense to average assets | 2.4963% | 5,552 |
| Loan and lease loss provision to assets | 0.1421% | 4,526 |
| Net operating income to assets | 0.6395% | 3,862 |
| Return on assets (ROA) | 0.6395% | 3,985 |
| Pretax return on assets | 0.9568% | 3,399 |
| Return on Equity (ROE) | 3.5803% | 5,119 |
| Retained earnings to average equity (ytd only) | 2.3073% | 4,821 |
| Net charge-offs to loans | 0.3208% | 3,277 |
| Credit loss provision to net charge-offs | 90.9091% | 3,432 |
| Earnings coverage of net charge-offs (x) | 7.0303% | 2,291 |
| Efficiency ratio | 69.4335% | 4,224 |
| Assets per employee ($millions) | 4.1151% | 3,527 |
| Cash dividends to net income (ytd only)* | 35.5556% | 2,252 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2214% | 746 |
| Loan loss allowance to noncurrent loans | 61.7342% | 4,365 |
| Noncurrent assets plus other real estate owned to assets | 4.3571% | 1,454 |
| Noncurrent loans to loans | 5.2181% | 1,237 |
| Net loans and leases to total assets | 47.8190% | 6,071 |
| Net loans and leases to deposits | 59.1020% | 5,811 |
| Net loans and leases to core deposits | 59.1020% | 6,183 |
| Total domestic deposits to total assets | 80.9093% | 5,554 |
| Equity capital to assets | 18.4078% | 350 |
| Core capital (leverage) ratio | 18.1648% | 317 |
| Tier 1 risk-based capital ratio | 31.4965% | 475 |
| Total risk-based capital ratio | 32.7627% | 464 |
| Memoranda: | ||
| Average total assets | $42,222,000 | 6,715 |
| Average earning assets | $37,498,330 | 6,743 |
| Average equity | $7,541,330 | 5,754 |
| Average total loans | $20,573,670 | 6,757 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1546% | 6,384 |
| Cost of funding earning assets | 0.5966% | 6,622 |
| Net interest margin | 3.5581% | 4,777 |
| Noninterest income to average assets | 0.3836% | 4,844 |
| Noninterest expense to average assets | 2.1984% | 6,427 |
| Loan and lease loss provision to assets | 0.1403% | 4,249 |
| Net operating income to assets | 0.7765% | 3,134 |
| Return on assets (ROA) | 0.7765% | 3,207 |
| Pretax return on assets | 1.1694% | 2,485 |
| Return on Equity (ROE) | 4.4123% | 4,699 |
| Retained earnings to average equity (ytd only) | 4.4123% | 3,531 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6667% | 5,574 |
| Assets per employee ($millions) | 4.4798% | 2,923 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3400% | 692 |
| Loan loss allowance to noncurrent loans | 153.6530% | 1,910 |
| Noncurrent assets plus other real estate owned to assets | 2.5157% | 2,720 |
| Noncurrent loans to loans | 2.1737% | 3,349 |
| Net loans and leases to total assets | 43.4774% | 6,509 |
| Net loans and leases to deposits | 52.6647% | 6,427 |
| Net loans and leases to core deposits | 52.6647% | 6,646 |
| Total domestic deposits to total assets | 82.5550% | 5,086 |
| Equity capital to assets | 16.8869% | 453 |
| Core capital (leverage) ratio | 18.3754% | 309 |
| Tier 1 risk-based capital ratio | 30.6924% | 488 |
| Total risk-based capital ratio | 31.9594% | 479 |
| Memoranda: | ||
| Average total assets | $42,757,500 | 6,735 |
| Average earning assets | $37,548,500 | 6,784 |
| Average equity | $7,524,500 | 5,766 |
| Average total loans | $20,694,000 | 6,803 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4883% | 6,429 |
| Cost of funding earning assets | 0.7997% | 6,574 |
| Net interest margin | 3.6886% | 4,396 |
| Noninterest income to average assets | 0.4453% | 4,557 |
| Noninterest expense to average assets | 2.6242% | 5,316 |
| Loan and lease loss provision to assets | 0.3548% | 4,000 |
| Net operating income to assets | 0.5334% | 3,952 |
| Return on assets (ROA) | 0.5334% | 4,103 |
| Pretax return on assets | 0.7624% | 3,751 |
| Return on Equity (ROE) | 2.8430% | 5,018 |
| Retained earnings to average equity (ytd only) | 1.5556% | 4,755 |
| Net charge-offs to loans | 0.1375% | 5,545 |
| Credit loss provision to net charge-offs | 454.8387% | 504 |
| Earnings coverage of net charge-offs (x) | 14.3226% | 1,352 |
| Efficiency ratio | 70.1412% | 4,150 |
| Assets per employee ($millions) | 4.5241% | 2,822 |
| Cash dividends to net income (ytd only)* | 45.2830% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0982% | 802 |
| Loan loss allowance to noncurrent loans | 162.8713% | 1,841 |
| Noncurrent assets plus other real estate owned to assets | 2.6844% | 2,598 |
| Noncurrent loans to loans | 1.9023% | 3,683 |
| Net loans and leases to total assets | 50.5440% | 6,110 |
| Net loans and leases to deposits | 62.4981% | 5,791 |
| Net loans and leases to core deposits | 62.4981% | 6,195 |
| Total domestic deposits to total assets | 80.8729% | 5,564 |
| Equity capital to assets | 18.3805% | 350 |
| Core capital (leverage) ratio | 18.2960% | 316 |
| Tier 1 risk-based capital ratio | 30.6302% | 486 |
| Total risk-based capital ratio | 31.8964% | 475 |
| Memoranda: | ||
| Average total assets | $39,745,200 | 6,875 |
| Average earning assets | $35,514,600 | 6,894 |
| Average equity | $7,457,000 | 5,890 |
| Average total loans | $22,545,800 | 6,792 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5294% | 6,530 |
| Cost of funding earning assets | 0.8370% | 6,625 |
| Net interest margin | 3.6924% | 4,445 |
| Noninterest income to average assets | 0.4489% | 4,567 |
| Noninterest expense to average assets | 2.5888% | 5,366 |
| Loan and lease loss provision to assets | 0.2532% | 4,561 |
| Net operating income to assets | 0.6278% | 3,762 |
| Return on assets (ROA) | 0.6278% | 3,930 |
| Pretax return on assets | 0.8978% | 3,564 |
| Return on Equity (ROE) | 3.3286% | 5,086 |
| Retained earnings to average equity (ytd only) | 2.5771% | 4,619 |
| Net charge-offs to loans | 0.0175% | 6,434 |
| Credit loss provision to net charge-offs | 2,500.0000% | 124 |
| Earnings coverage of net charge-offs (x) | 113.6650% | 279 |
| Efficiency ratio | 69.2238% | 4,215 |
| Assets per employee ($millions) | 4.2313% | 3,385 |
| Cash dividends to net income (ytd only)* | 22.5816% | 2,853 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7707% | 1,024 |
| Loan loss allowance to noncurrent loans | 55.1111% | 4,627 |
| Noncurrent assets plus other real estate owned to assets | 2.6588% | 2,719 |
| Noncurrent loans to loans | 5.0275% | 1,367 |
| Net loans and leases to total assets | 51.4192% | 6,171 |
| Net loans and leases to deposits | 62.9070% | 6,032 |
| Net loans and leases to core deposits | 62.9070% | 6,383 |
| Total domestic deposits to total assets | 81.7385% | 5,099 |
| Equity capital to assets | 17.7723% | 436 |
| Core capital (leverage) ratio | 18.4935% | 323 |
| Tier 1 risk-based capital ratio | 29.8306% | 524 |
| Total risk-based capital ratio | 31.0949% | 510 |
| Memoranda: | ||
| Average total assets | $39,502,250 | 6,961 |
| Average earning assets | $35,206,250 | 6,986 |
| Average equity | $7,450,250 | 5,966 |
| Average total loans | $22,872,750 | 6,866 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6183% | 6,406 |
| Cost of funding earning assets | 0.8706% | 6,691 |
| Net interest margin | 3.7477% | 4,142 |
| Noninterest income to average assets | 0.4304% | 4,675 |
| Noninterest expense to average assets | 2.6397% | 5,166 |
| Loan and lease loss provision to assets | 0.2645% | 4,281 |
| Net operating income to assets | 0.6327% | 3,722 |
| Return on assets (ROA) | 0.6327% | 3,860 |
| Pretax return on assets | 0.8972% | 3,505 |
| Return on Equity (ROE) | 3.2853% | 5,099 |
| Retained earnings to average equity (ytd only) | 2.1543% | 4,776 |
| Net charge-offs to loans | 0.1215% | 4,969 |
| Credit loss provision to net charge-offs | 364.2857% | 1,000 |
| Earnings coverage of net charge-offs (x) | 16.0000% | 1,425 |
| Efficiency ratio | 69.4407% | 4,291 |
| Assets per employee ($millions) | 3.9390% | 3,886 |
| Cash dividends to net income (ytd only)* | 34.4262% | 2,343 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5732% | 1,220 |
| Loan loss allowance to noncurrent loans | 49.7026% | 4,974 |
| Noncurrent assets plus other real estate owned to assets | 2.9881% | 2,386 |
| Noncurrent loans to loans | 5.1773% | 1,323 |
| Net loans and leases to total assets | 56.2300% | 5,668 |
| Net loans and leases to deposits | 69.9700% | 5,280 |
| Net loans and leases to core deposits | 69.9700% | 5,872 |
| Total domestic deposits to total assets | 80.3630% | 5,609 |
| Equity capital to assets | 18.9312% | 349 |
| Core capital (leverage) ratio | 19.1771% | 281 |
| Tier 1 risk-based capital ratio | 29.8001% | 520 |
| Total risk-based capital ratio | 31.0620% | 505 |
| Memoranda: | ||
| Average total assets | $38,565,330 | 7,043 |
| Average earning assets | $34,688,000 | 7,057 |
| Average equity | $7,427,000 | 5,990 |
| Average total loans | $23,038,000 | 6,908 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8289% | 5,767 |
| Cost of funding earning assets | 0.9136% | 6,717 |
| Net interest margin | 3.9153% | 3,260 |
| Noninterest income to average assets | 0.4194% | 4,739 |
| Noninterest expense to average assets | 2.6734% | 5,040 |
| Loan and lease loss provision to assets | 0.1573% | 4,960 |
| Net operating income to assets | 0.7339% | 3,287 |
| Return on assets (ROA) | 0.7339% | 3,392 |
| Pretax return on assets | 1.0484% | 2,907 |
| Return on Equity (ROE) | 3.7777% | 4,991 |
| Retained earnings to average equity (ytd only) | 3.7777% | 3,876 |
| Net charge-offs to loans | 0.1380% | 4,115 |
| Credit loss provision to net charge-offs | 187.5000% | 1,949 |
| Earnings coverage of net charge-offs (x) | 14.3750% | 1,437 |
| Efficiency ratio | 68.9189% | 4,521 |
| Assets per employee ($millions) | 4.8638% | 2,419 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4666% | 1,339 |
| Loan loss allowance to noncurrent loans | 38.4615% | 5,792 |
| Noncurrent assets plus other real estate owned to assets | 3.7086% | 1,886 |
| Noncurrent loans to loans | 6.4130% | 980 |
| Net loans and leases to total assets | 56.4020% | 5,686 |
| Net loans and leases to deposits | 70.2137% | 5,311 |
| Net loans and leases to core deposits | 71.1239% | 5,816 |
| Total domestic deposits to total assets | 80.3290% | 5,672 |
| Equity capital to assets | 19.1339% | 335 |
| Core capital (leverage) ratio | 19.7685% | 265 |
| Tier 1 risk-based capital ratio | 30.0283% | 528 |
| Total risk-based capital ratio | 31.2894% | 510 |
| Memoranda: | ||
| Average total assets | $38,153,000 | 7,150 |
| Average earning assets | $33,713,500 | 7,174 |
| Average equity | $7,412,000 | 6,050 |
| Average total loans | $23,190,000 | 6,979 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1887% | 5,700 |
| Cost of funding earning assets | 1.0925% | 7,000 |
| Net interest margin | 4.0962% | 2,465 |
| Noninterest income to average assets | 0.4227% | 5,033 |
| Noninterest expense to average assets | 2.7237% | 5,281 |
| Loan and lease loss provision to assets | 0.7492% | 2,865 |
| Net operating income to assets | 0.5084% | 3,698 |
| Return on assets (ROA) | 0.5084% | 3,789 |
| Pretax return on assets | 0.6716% | 3,676 |
| Return on Equity (ROE) | 2.5849% | 4,667 |
| Retained earnings to average equity (ytd only) | 1.1972% | 4,205 |
| Net charge-offs to loans | 0.7418% | 2,968 |
| Credit loss provision to net charge-offs | 155.5556% | 2,917 |
| Earnings coverage of net charge-offs (x) | 2.9500% | 3,604 |
| Efficiency ratio | 65.7198% | 5,453 |
| Assets per employee ($millions) | 4.1551% | 3,512 |
| Cash dividends to net income (ytd only)* | 53.6842% | 2,297 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2949% | 1,494 |
| Loan loss allowance to noncurrent loans | 44.2292% | 5,453 |
| Noncurrent assets plus other real estate owned to assets | 3.3132% | 2,067 |
| Noncurrent loans to loans | 5.1887% | 1,281 |
| Net loans and leases to total assets | 62.3890% | 4,909 |
| Net loans and leases to deposits | 78.6032% | 4,258 |
| Net loans and leases to core deposits | 84.7814% | 5,642 |
| Total domestic deposits to total assets | 79.3721% | 5,883 |
| Equity capital to assets | 19.7321% | 318 |
| Core capital (leverage) ratio | 19.7250% | 292 |
| Tier 1 risk-based capital ratio | 28.9724% | 579 |
| Total risk-based capital ratio | 30.2323% | 565 |
| Memoranda: | ||
| Average total assets | $37,375,400 | 7,196 |
| Average earning assets | $33,958,200 | 7,187 |
| Average equity | $7,350,400 | 6,154 |
| Average total loans | $24,265,000 | 6,957 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3084% | 5,383 |
| Cost of funding earning assets | 1.1274% | 7,104 |
| Net interest margin | 4.1809% | 2,122 |
| Noninterest income to average assets | 0.4281% | 5,062 |
| Noninterest expense to average assets | 2.7044% | 5,307 |
| Loan and lease loss provision to assets | 0.2676% | 4,824 |
| Net operating income to assets | 0.8848% | 2,476 |
| Return on assets (ROA) | 0.8848% | 2,551 |
| Pretax return on assets | 1.2666% | 2,055 |
| Return on Equity (ROE) | 4.5029% | 4,160 |
| Retained earnings to average equity (ytd only) | 3.6314% | 3,257 |
| Net charge-offs to loans | -0.0438% | 7,842 |
| Credit loss provision to net charge-offs | -937.5000% | 7,317 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8047% | 5,794 |
| Assets per employee ($millions) | 4.2667% | 3,259 |
| Cash dividends to net income (ytd only)* | 19.3552% | 3,268 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1939% | 1,434 |
| Loan loss allowance to noncurrent loans | 78.0882% | 3,500 |
| Noncurrent assets plus other real estate owned to assets | 1.7708% | 3,703 |
| Noncurrent loans to loans | 2.8095% | 2,701 |
| Net loans and leases to total assets | 61.6484% | 5,302 |
| Net loans and leases to deposits | 77.5020% | 4,819 |
| Net loans and leases to core deposits | 86.0179% | 5,866 |
| Total domestic deposits to total assets | 79.5443% | 5,611 |
| Equity capital to assets | 19.3099% | 388 |
| Core capital (leverage) ratio | 19.8246% | 320 |
| Tier 1 risk-based capital ratio | 28.6534% | 639 |
| Total risk-based capital ratio | 29.9132% | 622 |
| Memoranda: | ||
| Average total assets | $37,370,250 | 7,258 |
| Average earning assets | $34,058,500 | 7,244 |
| Average equity | $7,343,250 | 6,209 |
| Average total loans | $24,361,500 | 7,011 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4099% | 5,096 |
| Cost of funding earning assets | 1.1537% | 7,231 |
| Net interest margin | 4.2562% | 1,794 |
| Noninterest income to average assets | 0.3943% | 5,341 |
| Noninterest expense to average assets | 2.6791% | 5,458 |
| Loan and lease loss provision to assets | 0.2809% | 4,326 |
| Net operating income to assets | 0.8966% | 2,468 |
| Return on assets (ROA) | 0.8966% | 2,575 |
| Pretax return on assets | 1.2801% | 2,084 |
| Return on Equity (ROE) | 4.5359% | 4,285 |
| Retained earnings to average equity (ytd only) | 3.2243% | 3,524 |
| Net charge-offs to loans | -0.0410% | 7,818 |
| Credit loss provision to net charge-offs | -1,040.0000% | 7,122 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1847% | 6,057 |
| Assets per employee ($millions) | 4.0968% | 3,504 |
| Cash dividends to net income (ytd only)* | 28.9157% | 2,884 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1482% | 1,320 |
| Loan loss allowance to noncurrent loans | 131.8538% | 2,226 |
| Noncurrent assets plus other real estate owned to assets | 1.0388% | 4,890 |
| Noncurrent loans to loans | 1.6292% | 4,055 |
| Net loans and leases to total assets | 62.3878% | 5,286 |
| Net loans and leases to deposits | 78.8692% | 4,720 |
| Net loans and leases to core deposits | 89.1762% | 5,612 |
| Total domestic deposits to total assets | 79.1028% | 5,783 |
| Equity capital to assets | 19.8828% | 393 |
| Core capital (leverage) ratio | 19.7323% | 374 |
| Tier 1 risk-based capital ratio | 27.0347% | 778 |
| Total risk-based capital ratio | 28.2920% | 762 |
| Memoranda: | ||
| Average total assets | $37,027,000 | 7,333 |
| Average earning assets | $33,457,000 | 7,342 |
| Average equity | $7,319,330 | 6,256 |
| Average total loans | $24,414,000 | 7,059 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4830% | 4,997 |
| Cost of funding earning assets | 1.1473% | 7,424 |
| Net interest margin | 4.3357% | 1,500 |
| Noninterest income to average assets | 0.3881% | 5,314 |
| Noninterest expense to average assets | 2.5657% | 5,586 |
| Loan and lease loss provision to assets | 0.1833% | 4,607 |
| Net operating income to assets | 1.0457% | 2,145 |
| Return on assets (ROA) | 1.0457% | 2,274 |
| Pretax return on assets | 1.5092% | 1,640 |
| Return on Equity (ROE) | 5.3053% | 4,328 |
| Retained earnings to average equity (ytd only) | 5.3053% | 2,953 |
| Net charge-offs to loans | -0.0161% | 7,386 |
| Credit loss provision to net charge-offs | -1,700.0000% | 6,605 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.2532% | 6,365 |
| Assets per employee ($millions) | 4.2338% | 3,201 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9214% | 1,575 |
| Loan loss allowance to noncurrent loans | 119.1816% | 2,624 |
| Noncurrent assets plus other real estate owned to assets | 1.0261% | 4,644 |
| Noncurrent loans to loans | 1.6122% | 3,858 |
| Net loans and leases to total assets | 62.4265% | 5,249 |
| Net loans and leases to deposits | 77.8804% | 4,946 |
| Net loans and leases to core deposits | 86.5013% | 5,867 |
| Total domestic deposits to total assets | 80.1569% | 5,305 |
| Equity capital to assets | 19.1975% | 467 |
| Core capital (leverage) ratio | 20.3314% | 379 |
| Tier 1 risk-based capital ratio | 28.4371% | 722 |
| Total risk-based capital ratio | 29.6934% | 704 |
| Memoranda: | ||
| Average total assets | $37,105,000 | 7,374 |
| Average earning assets | $33,120,500 | 7,401 |
| Average equity | $7,313,500 | 6,290 |
| Average total loans | $24,867,000 | 7,077 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1616% | 4,713 |
| Cost of funding earning assets | 1.5657% | 7,510 |
| Net interest margin | 4.5960% | 1,188 |
| Noninterest income to average assets | 0.4617% | 4,952 |
| Noninterest expense to average assets | 3.0529% | 3,886 |
| Loan and lease loss provision to assets | 1.0242% | 1,433 |
| Net operating income to assets | 0.4785% | 4,838 |
| Return on assets (ROA) | 0.4785% | 4,651 |
| Pretax return on assets | 0.5820% | 4,750 |
| Return on Equity (ROE) | 2.3258% | 5,492 |
| Retained earnings to average equity (ytd only) | 0.4488% | 4,978 |
| Net charge-offs to loans | 1.4806% | 780 |
| Credit loss provision to net charge-offs | 99.4565% | 5,394 |
| Earnings coverage of net charge-offs (x) | 1.5598% | 5,318 |
| Efficiency ratio | 65.5255% | 5,216 |
| Assets per employee ($millions) | 4.0118% | 3,487 |
| Cash dividends to net income (ytd only)* | 80.7018% | 1,671 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7582% | 1,743 |
| Loan loss allowance to noncurrent loans | 93.7238% | 3,636 |
| Noncurrent assets plus other real estate owned to assets | 1.3239% | 3,568 |
| Noncurrent loans to loans | 1.8759% | 2,946 |
| Net loans and leases to total assets | 69.3320% | 4,186 |
| Net loans and leases to deposits | 87.7889% | 3,832 |
| Net loans and leases to core deposits | 96.7123% | 5,179 |
| Total domestic deposits to total assets | 78.9758% | 5,386 |
| Equity capital to assets | 20.2515% | 449 |
| Core capital (leverage) ratio | 19.5022% | 467 |
| Tier 1 risk-based capital ratio | 27.6013% | 786 |
| Total risk-based capital ratio | 28.8578% | 765 |
| Memoranda: | ||
| Average total assets | $35,736,000 | 7,394 |
| Average earning assets | $32,637,400 | 7,382 |
| Average equity | $7,352,200 | 6,333 |
| Average total loans | $24,854,600 | 7,033 |