Home > North Arundel Savings Bank > Performance and Condition Ratios
North Arundel Savings Bank, Performance and Condition Ratios
| 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 | 4.1803% | 1,026 |
| Cost of funding earning assets | 0.9344% | 92 |
| Net interest margin | 3.2459% | 2,472 |
| Noninterest income to average assets | 0.0303% | 4,755 |
| Noninterest expense to average assets | 5.8587% | 131 |
| Loan and lease loss provision to assets | -0.0736% | 4,460 |
| Net operating income to assets | -2.0780% | 4,816 |
| Return on assets (ROA) | -2.0763% | 4,816 |
| Pretax return on assets | -2.8644% | 4,819 |
| Return on Equity (ROE) | -17.2111% | 4,823 |
| Retained earnings to average equity (ytd only) | -17.2111% | 4,806 |
| Net charge-offs to loans | -0.0031% | 3,444 |
| Credit loss provision to net charge-offs | 3,400.0000% | 196 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 200.7418% | 18 |
| Assets per employee ($millions) | 4.5258% | 4,096 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6941% | 4,433 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 74.6100% | 614 |
| Net loans and leases to deposits | 83.4969% | 948 |
| Net loans and leases to core deposits | 92.0508% | 874 |
| Total domestic deposits to total assets | 89.3566% | 1,320 |
| Equity capital to assets | 10.5352% | 2,140 |
| Core capital (leverage) ratio | 10.3205% | 2,062 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.9378% | 657 |
| Memoranda: | ||
| Average total assets | $46,187,600 | 4,600 |
| Average earning assets | $41,097,800 | 4,607 |
| Average equity | $5,572,000 | 4,576 |
| Average total loans | $32,496,400 | 4,326 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2185% | 1,082 |
| Cost of funding earning assets | 0.9653% | 99 |
| Net interest margin | 3.2533% | 2,574 |
| Noninterest income to average assets | 0.0259% | 4,839 |
| Noninterest expense to average assets | 3.0676% | 866 |
| Loan and lease loss provision to assets | -0.1034% | 4,614 |
| Net operating income to assets | -0.0948% | 4,771 |
| Return on assets (ROA) | -0.0919% | 4,776 |
| Pretax return on assets | -0.0603% | 4,770 |
| Return on Equity (ROE) | -0.7391% | 4,782 |
| Retained earnings to average equity (ytd only) | -0.7391% | 4,642 |
| Net charge-offs to loans | -0.0042% | 3,382 |
| Credit loss provision to net charge-offs | 3,600.0000% | 210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.7426% | 122 |
| Assets per employee ($millions) | 4.7120% | 3,953 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6818% | 4,529 |
| Loan loss allowance to noncurrent loans | 112.5000% | 3,274 |
| Noncurrent assets plus other real estate owned to assets | 0.4414% | 1,708 |
| Noncurrent loans to loans | 0.6061% | 1,792 |
| Net loans and leases to total assets | 72.3387% | 844 |
| Net loans and leases to deposits | 82.4249% | 1,074 |
| Net loans and leases to core deposits | 91.5798% | 943 |
| Total domestic deposits to total assets | 87.7632% | 1,965 |
| Equity capital to assets | 12.1435% | 1,335 |
| Core capital (leverage) ratio | 12.0619% | 1,142 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.4275% | 461 |
| Memoranda: | ||
| Average total assets | $46,420,000 | 4,666 |
| Average earning assets | $41,024,250 | 4,671 |
| Average equity | $5,773,000 | 4,618 |
| Average total loans | $32,119,750 | 4,397 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2691% | 1,060 |
| Cost of funding earning assets | 1.0077% | 101 |
| Net interest margin | 3.2614% | 2,577 |
| Noninterest income to average assets | 0.0346% | 4,861 |
| Noninterest expense to average assets | 2.8710% | 1,207 |
| Loan and lease loss provision to assets | -0.2122% | 4,774 |
| Net operating income to assets | 0.1351% | 4,676 |
| Return on assets (ROA) | 0.1386% | 4,697 |
| Pretax return on assets | 0.2252% | 4,656 |
| Return on Equity (ROE) | 1.1054% | 4,692 |
| Retained earnings to average equity (ytd only) | 1.1054% | 4,322 |
| Net charge-offs to loans | -0.0064% | 3,506 |
| Credit loss provision to net charge-offs | 4,900.0000% | 148 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.6992% | 169 |
| Assets per employee ($millions) | 4.7471% | 3,887 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6946% | 4,538 |
| Loan loss allowance to noncurrent loans | 106.2500% | 3,278 |
| Noncurrent assets plus other real estate owned to assets | 0.4382% | 1,875 |
| Noncurrent loans to loans | 0.6537% | 1,783 |
| Net loans and leases to total assets | 66.5606% | 1,623 |
| Net loans and leases to deposits | 75.9215% | 1,830 |
| Net loans and leases to core deposits | 84.8788% | 1,502 |
| Total domestic deposits to total assets | 87.6704% | 2,001 |
| Equity capital to assets | 12.2369% | 1,256 |
| Core capital (leverage) ratio | 12.3040% | 983 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.9091% | 432 |
| Memoranda: | ||
| Average total assets | $46,186,667 | 4,695 |
| Average earning assets | $40,289,333 | 4,710 |
| Average equity | $5,790,000 | 4,643 |
| Average total loans | $31,386,333 | 4,447 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2640% | 1,098 |
| Cost of funding earning assets | 1.0485% | 107 |
| Net interest margin | 3.2155% | 2,647 |
| Noninterest income to average assets | 0.0088% | 4,924 |
| Noninterest expense to average assets | 3.0037% | 983 |
| Loan and lease loss provision to assets | -0.4567% | 4,906 |
| Net operating income to assets | 0.0985% | 4,713 |
| Return on assets (ROA) | 0.1054% | 4,719 |
| Pretax return on assets | 0.2986% | 4,601 |
| Return on Equity (ROE) | 0.8304% | 4,725 |
| Retained earnings to average equity (ytd only) | 0.8304% | 4,247 |
| Net charge-offs to loans | 0.0257% | 1,243 |
| Credit loss provision to net charge-offs | -2,600.0000% | 3,602 |
| Earnings coverage of net charge-offs (x) | -9.5000% | 1,917 |
| Efficiency ratio | 105.8824% | 135 |
| Assets per employee ($millions) | 4.6128% | 4,007 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6806% | 4,598 |
| Loan loss allowance to noncurrent loans | 63.2353% | 3,808 |
| Noncurrent assets plus other real estate owned to assets | 1.0839% | 744 |
| Noncurrent loans to loans | 1.0763% | 1,247 |
| Net loans and leases to total assets | 68.0173% | 1,531 |
| Net loans and leases to deposits | 77.8594% | 1,734 |
| Net loans and leases to core deposits | 87.3274% | 1,429 |
| Total domestic deposits to total assets | 87.3591% | 2,154 |
| Equity capital to assets | 12.5260% | 1,072 |
| Core capital (leverage) ratio | 12.7389% | 909 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.4725% | 379 |
| Memoranda: | ||
| Average total assets | $45,544,500 | 4,718 |
| Average earning assets | $40,056,000 | 4,734 |
| Average equity | $5,780,500 | 4,662 |
| Average total loans | $31,170,500 | 4,470 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6756% | 939 |
| Cost of funding earning assets | 1.2294% | 247 |
| Net interest margin | 3.4462% | 2,635 |
| Noninterest income to average assets | 0.0113% | 4,936 |
| Noninterest expense to average assets | 3.2338% | 997 |
| Loan and lease loss provision to assets | 0.1845% | 2,107 |
| Net operating income to assets | -0.2093% | 4,820 |
| Return on assets (ROA) | -0.2093% | 4,836 |
| Pretax return on assets | -0.2340% | 4,830 |
| Return on Equity (ROE) | -1.6104% | 4,832 |
| Retained earnings to average equity (ytd only) | -1.6104% | 4,677 |
| Net charge-offs to loans | 0.0218% | 2,621 |
| Credit loss provision to net charge-offs | 1,171.4286% | 695 |
| Earnings coverage of net charge-offs (x) | -3.1429% | 3,371 |
| Efficiency ratio | 101.5548% | 158 |
| Assets per employee ($millions) | 4.9930% | 3,398 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8748% | 4,260 |
| Loan loss allowance to noncurrent loans | 126.2911% | 3,022 |
| Noncurrent assets plus other real estate owned to assets | 0.8301% | 1,223 |
| Noncurrent loans to loans | 0.6927% | 1,957 |
| Net loans and leases to total assets | 67.8327% | 1,846 |
| Net loans and leases to deposits | 77.9013% | 2,081 |
| Net loans and leases to core deposits | 87.6373% | 1,728 |
| Total domestic deposits to total assets | 87.0752% | 1,904 |
| Equity capital to assets | 12.8157% | 1,172 |
| Core capital (leverage) ratio | 12.8032% | 951 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.2123% | 316 |
| Memoranda: | ||
| Average total assets | $44,437,000 | 4,716 |
| Average earning assets | $40,914,400 | 4,706 |
| Average equity | $5,775,000 | 4,668 |
| Average total loans | $32,095,600 | 4,477 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6914% | 1,086 |
| Cost of funding earning assets | 1.2545% | 301 |
| Net interest margin | 3.4369% | 2,791 |
| Noninterest income to average assets | 0.0120% | 4,966 |
| Noninterest expense to average assets | 3.2737% | 946 |
| Loan and lease loss provision to assets | 0.2370% | 1,715 |
| Net operating income to assets | -0.2798% | 4,856 |
| Return on assets (ROA) | -0.2798% | 4,862 |
| Pretax return on assets | -0.3009% | 4,863 |
| Return on Equity (ROE) | -2.1456% | 4,863 |
| Retained earnings to average equity (ytd only) | -2.1456% | 4,713 |
| Net charge-offs to loans | -0.0041% | 4,012 |
| Credit loss provision to net charge-offs | -7,900.0000% | 4,309 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.9681% | 154 |
| Assets per employee ($millions) | 4.9690% | 3,288 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8567% | 4,208 |
| Loan loss allowance to noncurrent loans | 125.6881% | 2,962 |
| Noncurrent assets plus other real estate owned to assets | 0.8452% | 1,373 |
| Noncurrent loans to loans | 0.6816% | 2,089 |
| Net loans and leases to total assets | 70.9063% | 1,829 |
| Net loans and leases to deposits | 81.4979% | 2,148 |
| Net loans and leases to core deposits | 91.7508% | 1,815 |
| Total domestic deposits to total assets | 87.0039% | 1,669 |
| Equity capital to assets | 12.8754% | 1,239 |
| Core capital (leverage) ratio | 12.8479% | 989 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.8545% | 311 |
| Memoranda: | ||
| Average total assets | $44,312,000 | 4,738 |
| Average earning assets | $41,237,750 | 4,723 |
| Average equity | $5,779,000 | 4,689 |
| Average total loans | $32,431,750 | 4,499 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6449% | 1,550 |
| Cost of funding earning assets | 1.2809% | 392 |
| Net interest margin | 3.3641% | 3,210 |
| Noninterest income to average assets | 0.0181% | 4,976 |
| Noninterest expense to average assets | 3.2778% | 1,030 |
| Loan and lease loss provision to assets | 0.3441% | 1,237 |
| Net operating income to assets | -0.4256% | 4,903 |
| Return on assets (ROA) | -0.4256% | 4,901 |
| Pretax return on assets | -0.4527% | 4,892 |
| Return on Equity (ROE) | -3.2492% | 4,898 |
| Retained earnings to average equity (ytd only) | -3.2492% | 4,672 |
| Net charge-offs to loans | -0.0061% | 4,074 |
| Credit loss provision to net charge-offs | -7,600.0000% | 4,167 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.4286% | 144 |
| Assets per employee ($millions) | 4.9398% | 3,253 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8213% | 4,284 |
| Loan loss allowance to noncurrent loans | 122.6244% | 2,928 |
| Noncurrent assets plus other real estate owned to assets | 0.8570% | 1,452 |
| Noncurrent loans to loans | 0.6698% | 2,190 |
| Net loans and leases to total assets | 73.6066% | 1,460 |
| Net loans and leases to deposits | 84.6960% | 1,923 |
| Net loans and leases to core deposits | 95.3719% | 1,624 |
| Total domestic deposits to total assets | 86.9067% | 1,662 |
| Equity capital to assets | 12.9493% | 1,188 |
| Core capital (leverage) ratio | 12.9799% | 1,008 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.3446% | 327 |
| Memoranda: | ||
| Average total assets | $44,175,667 | 4,762 |
| Average earning assets | $41,378,333 | 4,744 |
| Average equity | $5,786,000 | 4,714 |
| Average total loans | $32,581,000 | 4,517 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7425% | 1,578 |
| Cost of funding earning assets | 1.3217% | 529 |
| Net interest margin | 3.4208% | 3,234 |
| Noninterest income to average assets | 0.0091% | 5,045 |
| Noninterest expense to average assets | 3.1884% | 1,450 |
| Loan and lease loss provision to assets | 0.6631% | 399 |
| Net operating income to assets | -0.6268% | 4,949 |
| Return on assets (ROA) | -0.6268% | 4,925 |
| Pretax return on assets | -0.6449% | 4,911 |
| Return on Equity (ROE) | -4.7582% | 4,913 |
| Retained earnings to average equity (ytd only) | -4.7582% | 4,502 |
| Net charge-offs to loans | -0.0124% | 4,149 |
| Credit loss provision to net charge-offs | -7,300.0000% | 3,927 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.4334% | 245 |
| Assets per employee ($millions) | 4.9088% | 2,741 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8165% | 4,371 |
| Loan loss allowance to noncurrent loans | 6,700.0000% | 102 |
| Noncurrent assets plus other real estate owned to assets | 0.3712% | 2,960 |
| Noncurrent loans to loans | 0.0122% | 4,521 |
| Net loans and leases to total assets | 73.6866% | 1,665 |
| Net loans and leases to deposits | 84.8954% | 2,116 |
| Net loans and leases to core deposits | 95.6177% | 1,829 |
| Total domestic deposits to total assets | 86.7969% | 1,650 |
| Equity capital to assets | 13.0514% | 1,406 |
| Core capital (leverage) ratio | 13.0950% | 1,171 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.2081% | 325 |
| Memoranda: | ||
| Average total assets | $44,034,500 | 4,799 |
| Average earning assets | $41,160,000 | 4,780 |
| Average equity | $5,800,500 | 4,750 |
| Average total loans | $32,374,000 | 4,550 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2013% | 991 |
| Cost of funding earning assets | 1.2493% | 893 |
| Net interest margin | 3.9520% | 1,989 |
| Noninterest income to average assets | 0.0231% | 5,091 |
| Noninterest expense to average assets | 3.3649% | 1,172 |
| Loan and lease loss provision to assets | 0.0554% | 2,920 |
| Net operating income to assets | 0.1547% | 4,882 |
| Return on assets (ROA) | 0.1547% | 4,905 |
| Pretax return on assets | 0.2702% | 4,842 |
| Return on Equity (ROE) | 1.1639% | 4,895 |
| Retained earnings to average equity (ytd only) | 1.1639% | 4,330 |
| Net charge-offs to loans | 0.1779% | 1,131 |
| Credit loss provision to net charge-offs | 40.6780% | 3,198 |
| Earnings coverage of net charge-offs (x) | 2.3898% | 3,422 |
| Efficiency ratio | 91.1765% | 310 |
| Assets per employee ($millions) | 4.8742% | 2,745 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6077% | 4,725 |
| Loan loss allowance to noncurrent loans | 4,850.0000% | 149 |
| Noncurrent assets plus other real estate owned to assets | 0.3738% | 2,915 |
| Noncurrent loans to loans | 0.0125% | 4,534 |
| Net loans and leases to total assets | 72.3352% | 2,036 |
| Net loans and leases to deposits | 83.4899% | 2,387 |
| Net loans and leases to core deposits | 94.1267% | 2,051 |
| Total domestic deposits to total assets | 86.6395% | 1,787 |
| Equity capital to assets | 13.2329% | 1,400 |
| Core capital (leverage) ratio | 13.2898% | 1,120 |
| Tier 1 risk-based capital ratio | 27.0970% | 610 |
| Total risk-based capital ratio | 28.0073% | 619 |
| Memoranda: | ||
| Average total assets | $43,299,800 | 4,852 |
| Average earning assets | $40,182,400 | 4,839 |
| Average equity | $5,756,600 | 4,790 |
| Average total loans | $33,161,600 | 4,574 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3206% | 827 |
| Cost of funding earning assets | 1.2219% | 979 |
| Net interest margin | 4.0987% | 1,616 |
| Noninterest income to average assets | 0.0278% | 5,159 |
| Noninterest expense to average assets | 3.3458% | 1,189 |
| Loan and lease loss provision to assets | 0.1576% | 1,194 |
| Net operating income to assets | 0.1792% | 4,964 |
| Return on assets (ROA) | 0.1792% | 4,977 |
| Pretax return on assets | 0.3275% | 4,876 |
| Return on Equity (ROE) | 1.3462% | 4,982 |
| Retained earnings to average equity (ytd only) | 1.3462% | 4,475 |
| Net charge-offs to loans | 0.2310% | 767 |
| Credit loss provision to net charge-offs | 87.9310% | 2,416 |
| Earnings coverage of net charge-offs (x) | 2.7070% | 3,172 |
| Efficiency ratio | 87.3387% | 436 |
| Assets per employee ($millions) | 4.8301% | 2,752 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6980% | 4,663 |
| Loan loss allowance to noncurrent loans | 1,110.0000% | 542 |
| Noncurrent assets plus other real estate owned to assets | 0.4141% | 2,859 |
| Noncurrent loans to loans | 0.0629% | 4,352 |
| Net loans and leases to total assets | 72.6576% | 2,058 |
| Net loans and leases to deposits | 84.0272% | 2,451 |
| Net loans and leases to core deposits | 95.6368% | 2,034 |
| Total domestic deposits to total assets | 86.4691% | 1,783 |
| Equity capital to assets | 13.3330% | 1,444 |
| Core capital (leverage) ratio | 13.3214% | 1,203 |
| Tier 1 risk-based capital ratio | 26.8869% | 650 |
| Total risk-based capital ratio | 27.9260% | 651 |
| Memoranda: | ||
| Average total assets | $43,157,750 | 4,920 |
| Average earning assets | $40,044,500 | 4,911 |
| Average equity | $5,744,500 | 4,853 |
| Average total loans | $33,470,500 | 4,626 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9199% | 1,694 |
| Cost of funding earning assets | 1.1740% | 1,065 |
| Net interest margin | 3.7459% | 2,772 |
| Noninterest income to average assets | 0.0093% | 5,236 |
| Noninterest expense to average assets | 3.3586% | 1,176 |
| Loan and lease loss provision to assets | 0.2230% | 738 |
| Net operating income to assets | -0.1440% | 5,138 |
| Return on assets (ROA) | -0.1440% | 5,141 |
| Pretax return on assets | -0.0743% | 5,123 |
| Return on Equity (ROE) | -1.0825% | 5,143 |
| Retained earnings to average equity (ytd only) | -1.0825% | 4,833 |
| Net charge-offs to loans | 0.3409% | 496 |
| Credit loss provision to net charge-offs | 82.7586% | 2,200 |
| Earnings coverage of net charge-offs (x) | 0.5517% | 3,085 |
| Efficiency ratio | 95.7616% | 206 |
| Assets per employee ($millions) | 4.8344% | 2,692 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6629% | 4,773 |
| Loan loss allowance to noncurrent loans | 20.5827% | 4,663 |
| Noncurrent assets plus other real estate owned to assets | 2.8131% | 235 |
| Noncurrent loans to loans | 3.2206% | 294 |
| Net loans and leases to total assets | 75.4263% | 1,642 |
| Net loans and leases to deposits | 86.9466% | 2,137 |
| Net loans and leases to core deposits | 98.8583% | 1,817 |
| Total domestic deposits to total assets | 86.7502% | 1,705 |
| Equity capital to assets | 13.1142% | 1,535 |
| Core capital (leverage) ratio | 13.1114% | 1,251 |
| Tier 1 risk-based capital ratio | 24.7753% | 771 |
| Total risk-based capital ratio | 25.7434% | 785 |
| Memoranda: | ||
| Average total assets | $43,053,330 | 4,966 |
| Average earning assets | $40,203,670 | 4,952 |
| Average equity | $5,727,330 | 4,883 |
| Average total loans | $34,025,000 | 4,655 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8599% | 1,732 |
| Cost of funding earning assets | 1.1223% | 1,115 |
| Net interest margin | 3.7376% | 2,754 |
| Noninterest income to average assets | 0.0093% | 5,293 |
| Noninterest expense to average assets | 3.1290% | 1,660 |
| Loan and lease loss provision to assets | 0.0280% | 3,051 |
| Net operating income to assets | 0.2055% | 5,006 |
| Return on assets (ROA) | 0.2055% | 5,012 |
| Pretax return on assets | 0.3363% | 4,918 |
| Return on Equity (ROE) | 1.5336% | 5,021 |
| Retained earnings to average equity (ytd only) | 1.5336% | 4,190 |
| Net charge-offs to loans | 0.0232% | 1,981 |
| Credit loss provision to net charge-offs | 150.0000% | 1,232 |
| Earnings coverage of net charge-offs (x) | 19.5000% | 1,591 |
| Efficiency ratio | 89.5722% | 415 |
| Assets per employee ($millions) | 4.7794% | 2,815 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6695% | 4,829 |
| Loan loss allowance to noncurrent loans | 14.1713% | 4,764 |
| Noncurrent assets plus other real estate owned to assets | 3.7731% | 127 |
| Noncurrent loans to loans | 4.7245% | 130 |
| Net loans and leases to total assets | 79.3281% | 935 |
| Net loans and leases to deposits | 91.6965% | 1,434 |
| Net loans and leases to core deposits | 104.3836% | 1,288 |
| Total domestic deposits to total assets | 86.5117% | 2,063 |
| Equity capital to assets | 13.3721% | 1,258 |
| Core capital (leverage) ratio | 13.4620% | 1,097 |
| Tier 1 risk-based capital ratio | 23.2408% | 909 |
| Total risk-based capital ratio | 24.1809% | 924 |
| Memoranda: | ||
| Average total assets | $42,825,000 | 5,016 |
| Average earning assets | $39,918,500 | 5,008 |
| Average equity | $5,738,000 | 4,924 |
| Average total loans | $34,519,000 | 4,688 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1011% | 846 |
| Cost of funding earning assets | 1.0426% | 630 |
| Net interest margin | 4.0586% | 1,795 |
| Noninterest income to average assets | 0.0092% | 5,335 |
| Noninterest expense to average assets | 3.2922% | 1,340 |
| Loan and lease loss provision to assets | 0.0275% | 3,627 |
| Net operating income to assets | 0.3089% | 4,994 |
| Return on assets (ROA) | 0.3089% | 4,989 |
| Pretax return on assets | 0.4301% | 4,906 |
| Return on Equity (ROE) | 2.3927% | 4,992 |
| Retained earnings to average equity (ytd only) | 2.3927% | 4,183 |
| Net charge-offs to loans | -0.0056% | 4,376 |
| Credit loss provision to net charge-offs | -600.0000% | 4,664 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.7974% | 443 |
| Assets per employee ($millions) | 4.7354% | 2,824 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6602% | 4,884 |
| Loan loss allowance to noncurrent loans | 19.8440% | 4,753 |
| Noncurrent assets plus other real estate owned to assets | 2.7077% | 262 |
| Noncurrent loans to loans | 3.3271% | 282 |
| Net loans and leases to total assets | 80.8466% | 821 |
| Net loans and leases to deposits | 93.4451% | 1,342 |
| Net loans and leases to core deposits | 105.4442% | 1,310 |
| Total domestic deposits to total assets | 86.5178% | 2,009 |
| Equity capital to assets | 13.3931% | 1,185 |
| Core capital (leverage) ratio | 13.3643% | 1,123 |
| Tier 1 risk-based capital ratio | 23.1180% | 911 |
| Total risk-based capital ratio | 24.0554% | 906 |
| Memoranda: | ||
| Average total assets | $43,709,400 | 5,054 |
| Average earning assets | $40,285,200 | 5,041 |
| Average equity | $5,642,200 | 4,949 |
| Average total loans | $35,523,600 | 4,671 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0886% | 778 |
| Cost of funding earning assets | 1.0263% | 529 |
| Net interest margin | 4.0623% | 1,751 |
| Noninterest income to average assets | 0.0061% | 5,417 |
| Noninterest expense to average assets | 3.2770% | 1,351 |
| Loan and lease loss provision to assets | 0.0273% | 3,462 |
| Net operating income to assets | 0.3031% | 5,092 |
| Return on assets (ROA) | 0.3031% | 5,087 |
| Pretax return on assets | 0.4335% | 4,998 |
| Return on Equity (ROE) | 2.3700% | 5,089 |
| Retained earnings to average equity (ytd only) | 2.3700% | 4,449 |
| Net charge-offs to loans | 0.0037% | 3,336 |
| Credit loss provision to net charge-offs | 900.0000% | 438 |
| Earnings coverage of net charge-offs (x) | 152.3759% | 540 |
| Efficiency ratio | 87.6723% | 422 |
| Assets per employee ($millions) | 4.7904% | 2,735 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6476% | 4,976 |
| Loan loss allowance to noncurrent loans | 28.1566% | 4,776 |
| Noncurrent assets plus other real estate owned to assets | 1.8370% | 618 |
| Noncurrent loans to loans | 2.2999% | 597 |
| Net loans and leases to total assets | 79.3547% | 1,116 |
| Net loans and leases to deposits | 91.5839% | 1,675 |
| Net loans and leases to core deposits | 102.2749% | 1,585 |
| Total domestic deposits to total assets | 86.6470% | 1,895 |
| Equity capital to assets | 13.1489% | 1,272 |
| Core capital (leverage) ratio | 12.9746% | 1,289 |
| Tier 1 risk-based capital ratio | 22.7558% | 965 |
| Total risk-based capital ratio | 23.6603% | 977 |
| Memoranda: | ||
| Average total assets | $43,982,000 | 5,111 |
| Average earning assets | $40,403,250 | 5,105 |
| Average equity | $5,625,750 | 5,008 |
| Average total loans | $35,733,250 | 4,716 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0659% | 705 |
| Cost of funding earning assets | 1.0062% | 464 |
| Net interest margin | 4.0597% | 1,671 |
| Noninterest income to average assets | 0.0045% | 5,481 |
| Noninterest expense to average assets | 3.2346% | 1,464 |
| Loan and lease loss provision to assets | 0.0271% | 3,376 |
| Net operating income to assets | 0.3162% | 5,095 |
| Return on assets (ROA) | 0.3162% | 5,090 |
| Pretax return on assets | 0.4427% | 4,997 |
| Return on Equity (ROE) | 2.4950% | 5,098 |
| Retained earnings to average equity (ytd only) | 2.4950% | 4,259 |
| Net charge-offs to loans | 0.0221% | 2,435 |
| Credit loss provision to net charge-offs | 150.0000% | 1,577 |
| Earnings coverage of net charge-offs (x) | 26.0000% | 1,615 |
| Efficiency ratio | 87.3171% | 504 |
| Assets per employee ($millions) | 4.8746% | 2,594 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6230% | 5,062 |
| Loan loss allowance to noncurrent loans | 24.0310% | 4,840 |
| Noncurrent assets plus other real estate owned to assets | 2.0583% | 512 |
| Noncurrent loans to loans | 2.5925% | 488 |
| Net loans and leases to total assets | 78.8995% | 1,178 |
| Net loans and leases to deposits | 90.7123% | 1,744 |
| Net loans and leases to core deposits | 101.0008% | 1,651 |
| Total domestic deposits to total assets | 86.9777% | 1,850 |
| Equity capital to assets | 12.8559% | 1,366 |
| Core capital (leverage) ratio | 12.9588% | 1,236 |
| Tier 1 risk-based capital ratio | 22.4926% | 984 |
| Total risk-based capital ratio | 23.3636% | 1,008 |
| Memoranda: | ||
| Average total assets | $44,271,330 | 5,162 |
| Average earning assets | $40,348,000 | 5,160 |
| Average equity | $5,611,330 | 5,063 |
| Average total loans | $36,165,670 | 4,749 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0922% | 595 |
| Cost of funding earning assets | 1.0066% | 361 |
| Net interest margin | 4.0856% | 1,475 |
| Noninterest income to average assets | 0.0090% | 5,548 |
| Noninterest expense to average assets | 3.1211% | 1,768 |
| Loan and lease loss provision to assets | 0.0270% | 3,165 |
| Net operating income to assets | 0.4317% | 4,857 |
| Return on assets (ROA) | 0.4317% | 4,863 |
| Pretax return on assets | 0.5846% | 4,722 |
| Return on Equity (ROE) | 3.4304% | 4,912 |
| Retained earnings to average equity (ytd only) | 3.4304% | 3,834 |
| Net charge-offs to loans | -0.0434% | 4,905 |
| Credit loss provision to net charge-offs | -75.0000% | 3,654 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.6145% | 829 |
| Assets per employee ($millions) | 4.9074% | 2,599 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6165% | 5,157 |
| Loan loss allowance to noncurrent loans | 20.0905% | 4,923 |
| Noncurrent assets plus other real estate owned to assets | 2.5019% | 372 |
| Noncurrent loans to loans | 3.0687% | 386 |
| Net loans and leases to total assets | 81.0266% | 786 |
| Net loans and leases to deposits | 93.0911% | 1,319 |
| Net loans and leases to core deposits | 103.5114% | 1,413 |
| Total domestic deposits to total assets | 87.0401% | 2,104 |
| Equity capital to assets | 12.7244% | 1,376 |
| Core capital (leverage) ratio | 12.6624% | 1,310 |
| Tier 1 risk-based capital ratio | 21.9487% | 1,058 |
| Total risk-based capital ratio | 22.8213% | 1,086 |
| Memoranda: | ||
| Average total assets | $44,471,500 | 5,218 |
| Average earning assets | $40,532,500 | 5,216 |
| Average equity | $5,597,000 | 5,122 |
| Average total loans | $36,833,000 | 4,783 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1211% | 512 |
| Cost of funding earning assets | 0.9115% | 351 |
| Net interest margin | 4.2096% | 1,173 |
| Noninterest income to average assets | 0.0089% | 5,600 |
| Noninterest expense to average assets | 3.1381% | 1,753 |
| Loan and lease loss provision to assets | 0.0469% | 3,291 |
| Net operating income to assets | 0.4489% | 4,539 |
| Return on assets (ROA) | 0.4489% | 4,568 |
| Pretax return on assets | 0.7438% | 4,402 |
| Return on Equity (ROE) | 3.6684% | 4,620 |
| Retained earnings to average equity (ytd only) | 3.6684% | 3,046 |
| Net charge-offs to loans | 0.0313% | 3,171 |
| Credit loss provision to net charge-offs | 175.0000% | 1,550 |
| Earnings coverage of net charge-offs (x) | 29.5000% | 1,568 |
| Efficiency ratio | 79.8749% | 1,116 |
| Assets per employee ($millions) | 4.9750% | 2,511 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5709% | 5,295 |
| Loan loss allowance to noncurrent loans | 19.3172% | 4,984 |
| Noncurrent assets plus other real estate owned to assets | 2.4858% | 380 |
| Noncurrent loans to loans | 2.9556% | 382 |
| Net loans and leases to total assets | 83.6226% | 487 |
| Net loans and leases to deposits | 95.7204% | 1,113 |
| Net loans and leases to core deposits | 106.1823% | 1,254 |
| Total domestic deposits to total assets | 87.3613% | 1,828 |
| Equity capital to assets | 12.4489% | 1,547 |
| Core capital (leverage) ratio | 12.4607% | 1,376 |
| Tier 1 risk-based capital ratio | 21.0128% | 1,142 |
| Total risk-based capital ratio | 21.8255% | 1,189 |
| Memoranda: | ||
| Average total assets | $44,772,800 | 5,257 |
| Average earning assets | $41,690,600 | 5,238 |
| Average equity | $5,479,200 | 5,187 |
| Average total loans | $38,345,400 | 4,782 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0812% | 519 |
| Cost of funding earning assets | 0.8969% | 351 |
| Net interest margin | 4.1843% | 1,193 |
| Noninterest income to average assets | 0.0089% | 5,669 |
| Noninterest expense to average assets | 3.0554% | 1,935 |
| Loan and lease loss provision to assets | 0.0536% | 3,026 |
| Net operating income to assets | 0.4824% | 4,781 |
| Return on assets (ROA) | 0.4824% | 4,821 |
| Pretax return on assets | 0.8040% | 4,337 |
| Return on Equity (ROE) | 3.9591% | 4,865 |
| Retained earnings to average equity (ytd only) | 3.9591% | 3,563 |
| Net charge-offs to loans | 0.0381% | 2,677 |
| Credit loss provision to net charge-offs | 163.6364% | 1,575 |
| Earnings coverage of net charge-offs (x) | 26.1752% | 1,691 |
| Efficiency ratio | 78.0822% | 1,325 |
| Assets per employee ($millions) | 4.9693% | 2,489 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5538% | 5,403 |
| Loan loss allowance to noncurrent loans | 23.0519% | 5,033 |
| Noncurrent assets plus other real estate owned to assets | 2.0660% | 612 |
| Noncurrent loans to loans | 2.4024% | 653 |
| Net loans and leases to total assets | 85.5223% | 291 |
| Net loans and leases to deposits | 97.9337% | 924 |
| Net loans and leases to core deposits | 108.6372% | 1,115 |
| Total domestic deposits to total assets | 87.3267% | 1,715 |
| Equity capital to assets | 12.3826% | 1,727 |
| Core capital (leverage) ratio | 12.3067% | 1,511 |
| Tier 1 risk-based capital ratio | 20.0782% | 1,343 |
| Total risk-based capital ratio | 20.8566% | 1,421 |
| Memoranda: | ||
| Average total assets | $44,772,250 | 5,313 |
| Average earning assets | $41,774,000 | 5,292 |
| Average equity | $5,455,500 | 5,250 |
| Average total loans | $38,517,500 | 4,827 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0621% | 512 |
| Cost of funding earning assets | 0.8852% | 333 |
| Net interest margin | 4.1770% | 1,130 |
| Noninterest income to average assets | 0.0089% | 5,717 |
| Noninterest expense to average assets | 3.0365% | 2,025 |
| Loan and lease loss provision to assets | 0.0670% | 2,631 |
| Net operating income to assets | 0.4867% | 4,739 |
| Return on assets (ROA) | 0.4867% | 4,776 |
| Pretax return on assets | 0.8038% | 4,259 |
| Return on Equity (ROE) | 4.0162% | 4,825 |
| Retained earnings to average equity (ytd only) | 4.0162% | 3,320 |
| Net charge-offs to loans | 0.0259% | 2,695 |
| Credit loss provision to net charge-offs | 300.0000% | 956 |
| Earnings coverage of net charge-offs (x) | 39.0000% | 1,266 |
| Efficiency ratio | 77.7143% | 1,504 |
| Assets per employee ($millions) | 5.6190% | 1,772 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5516% | 5,455 |
| Loan loss allowance to noncurrent loans | 26.1131% | 5,032 |
| Noncurrent assets plus other real estate owned to assets | 1.8486% | 731 |
| Noncurrent loans to loans | 2.1125% | 785 |
| Net loans and leases to total assets | 87.0262% | 203 |
| Net loans and leases to deposits | 99.3625% | 783 |
| Net loans and leases to core deposits | 107.7597% | 1,117 |
| Total domestic deposits to total assets | 87.5845% | 1,669 |
| Equity capital to assets | 12.1975% | 1,790 |
| Core capital (leverage) ratio | 12.1414% | 1,560 |
| Tier 1 risk-based capital ratio | 19.7732% | 1,418 |
| Total risk-based capital ratio | 20.5616% | 1,463 |
| Memoranda: | ||
| Average total assets | $44,788,330 | 5,347 |
| Average earning assets | $41,800,670 | 5,330 |
| Average equity | $5,428,000 | 5,284 |
| Average total loans | $38,536,000 | 4,858 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0021% | 527 |
| Cost of funding earning assets | 0.8833% | 307 |
| Net interest margin | 4.1188% | 1,174 |
| Noninterest income to average assets | 0.0089% | 5,797 |
| Noninterest expense to average assets | 2.9615% | 2,270 |
| Loan and lease loss provision to assets | 0.0626% | 2,551 |
| Net operating income to assets | 0.5010% | 4,589 |
| Return on assets (ROA) | 0.5010% | 4,617 |
| Pretax return on assets | 0.8231% | 4,020 |
| Return on Equity (ROE) | 4.1478% | 4,732 |
| Retained earnings to average equity (ytd only) | 4.1478% | 3,386 |
| Net charge-offs to loans | -0.0105% | 4,450 |
| Credit loss provision to net charge-offs | -700.0000% | 4,329 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.9767% | 1,760 |
| Assets per employee ($millions) | 5.0059% | 2,440 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5468% | 5,546 |
| Loan loss allowance to noncurrent loans | 23.1853% | 5,156 |
| Noncurrent assets plus other real estate owned to assets | 2.0487% | 641 |
| Noncurrent loans to loans | 2.3584% | 692 |
| Net loans and leases to total assets | 86.3938% | 192 |
| Net loans and leases to deposits | 98.4371% | 733 |
| Net loans and leases to core deposits | 107.4420% | 1,003 |
| Total domestic deposits to total assets | 87.7655% | 1,852 |
| Equity capital to assets | 12.0503% | 1,799 |
| Core capital (leverage) ratio | 12.1194% | 1,554 |
| Tier 1 risk-based capital ratio | 18.7053% | 1,690 |
| Total risk-based capital ratio | 19.4479% | 1,777 |
| Memoranda: | ||
| Average total assets | $44,706,500 | 5,411 |
| Average earning assets | $41,662,500 | 5,391 |
| Average equity | $5,400,500 | 5,341 |
| Average total loans | $38,135,500 | 4,915 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9633% | 642 |
| Cost of funding earning assets | 0.9538% | 223 |
| Net interest margin | 4.0095% | 1,610 |
| Noninterest income to average assets | 0.3738% | 4,073 |
| Noninterest expense to average assets | 3.1769% | 1,849 |
| Loan and lease loss provision to assets | 0.1618% | 1,528 |
| Net operating income to assets | 0.3849% | 4,996 |
| Return on assets (ROA) | 0.3965% | 5,034 |
| Pretax return on assets | 0.7703% | 4,268 |
| Return on Equity (ROE) | 3.3252% | 5,066 |
| Retained earnings to average equity (ytd only) | 3.3252% | 3,552 |
| Net charge-offs to loans | 0.2596% | 1,069 |
| Credit loss provision to net charge-offs | 75.5319% | 3,048 |
| Earnings coverage of net charge-offs (x) | 4.2660% | 3,525 |
| Efficiency ratio | 77.6602% | 1,746 |
| Assets per employee ($millions) | 4.9271% | 2,471 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5547% | 5,598 |
| Loan loss allowance to noncurrent loans | 19.1628% | 5,239 |
| Noncurrent assets plus other real estate owned to assets | 2.4242% | 503 |
| Noncurrent loans to loans | 2.8949% | 482 |
| Net loans and leases to total assets | 83.2762% | 455 |
| Net loans and leases to deposits | 94.8428% | 1,109 |
| Net loans and leases to core deposits | 103.6343% | 1,311 |
| Total domestic deposits to total assets | 87.8044% | 1,740 |
| Equity capital to assets | 12.0445% | 1,769 |
| Core capital (leverage) ratio | 12.1141% | 1,525 |
| Tier 1 risk-based capital ratio | 20.4450% | 1,294 |
| Total risk-based capital ratio | 21.2402% | 1,345 |
| Memoranda: | ||
| Average total assets | $43,878,800 | 5,470 |
| Average earning assets | $40,678,600 | 5,452 |
| Average equity | $5,232,800 | 5,423 |
| Average total loans | $36,214,200 | 5,013 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8552% | 803 |
| Cost of funding earning assets | 0.9645% | 209 |
| Net interest margin | 3.8908% | 2,003 |
| Noninterest income to average assets | 0.0152% | 5,902 |
| Noninterest expense to average assets | 3.0893% | 2,055 |
| Loan and lease loss provision to assets | 0.3382% | 482 |
| Net operating income to assets | 0.1376% | 5,573 |
| Return on assets (ROA) | 0.1554% | 5,603 |
| Pretax return on assets | 0.2133% | 5,546 |
| Return on Equity (ROE) | 1.3062% | 5,601 |
| Retained earnings to average equity (ytd only) | 1.3062% | 4,991 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.4254% | 870 |
| Assets per employee ($millions) | 5.5303% | 1,828 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9274% | 4,768 |
| Loan loss allowance to noncurrent loans | 23.9437% | 5,275 |
| Noncurrent assets plus other real estate owned to assets | 3.6549% | 255 |
| Noncurrent loans to loans | 3.8731% | 296 |
| Net loans and leases to total assets | 82.1007% | 606 |
| Net loans and leases to deposits | 93.3106% | 1,339 |
| Net loans and leases to core deposits | 101.9307% | 1,487 |
| Total domestic deposits to total assets | 87.9865% | 1,413 |
| Equity capital to assets | 11.8236% | 2,237 |
| Core capital (leverage) ratio | 11.7226% | 1,862 |
| Tier 1 risk-based capital ratio | 20.4677% | 1,359 |
| Total risk-based capital ratio | 21.7173% | 1,327 |
| Memoranda: | ||
| Average total assets | $43,762,500 | 5,526 |
| Average earning assets | $40,505,250 | 5,512 |
| Average equity | $5,205,750 | 5,489 |
| Average total loans | $35,984,250 | 5,064 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8661% | 779 |
| Cost of funding earning assets | 0.9554% | 213 |
| Net interest margin | 3.9107% | 1,945 |
| Noninterest income to average assets | 0.0138% | 5,977 |
| Noninterest expense to average assets | 3.1007% | 2,062 |
| Loan and lease loss provision to assets | 0.2844% | 647 |
| Net operating income to assets | 0.1835% | 5,554 |
| Return on assets (ROA) | 0.1835% | 5,605 |
| Pretax return on assets | 0.2523% | 5,557 |
| Return on Equity (ROE) | 1.5393% | 5,601 |
| Retained earnings to average equity (ytd only) | 1.5393% | 4,763 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.2459% | 944 |
| Assets per employee ($millions) | 5.5286% | 1,771 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7815% | 5,322 |
| Loan loss allowance to noncurrent loans | 21.0564% | 5,404 |
| Noncurrent assets plus other real estate owned to assets | 3.2874% | 348 |
| Noncurrent loans to loans | 3.7115% | 348 |
| Net loans and leases to total assets | 83.5312% | 463 |
| Net loans and leases to deposits | 94.8597% | 1,204 |
| Net loans and leases to core deposits | 103.5831% | 1,359 |
| Total domestic deposits to total assets | 88.0576% | 1,404 |
| Equity capital to assets | 11.8022% | 2,268 |
| Core capital (leverage) ratio | 11.8041% | 1,768 |
| Tier 1 risk-based capital ratio | 20.3457% | 1,375 |
| Total risk-based capital ratio | 21.4852% | 1,376 |
| Memoranda: | ||
| Average total assets | $43,602,670 | 5,590 |
| Average earning assets | $40,401,670 | 5,576 |
| Average equity | $5,197,330 | 5,549 |
| Average total loans | $35,758,000 | 5,115 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8639% | 745 |
| Cost of funding earning assets | 0.9411% | 234 |
| Net interest margin | 3.9228% | 1,872 |
| Noninterest income to average assets | 0.0092% | 6,053 |
| Noninterest expense to average assets | 2.9568% | 2,521 |
| Loan and lease loss provision to assets | 0.3049% | 512 |
| Net operating income to assets | 0.2772% | 5,363 |
| Return on assets (ROA) | 0.2772% | 5,439 |
| Pretax return on assets | 0.4066% | 5,299 |
| Return on Equity (ROE) | 2.3139% | 5,423 |
| Retained earnings to average equity (ytd only) | 2.3139% | 4,325 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.6045% | 1,535 |
| Assets per employee ($millions) | 7.2698% | 786 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7474% | 5,503 |
| Loan loss allowance to noncurrent loans | 18.7948% | 5,454 |
| Noncurrent assets plus other real estate owned to assets | 3.3724% | 348 |
| Noncurrent loans to loans | 3.9766% | 306 |
| Net loans and leases to total assets | 79.7657% | 850 |
| Net loans and leases to deposits | 90.7131% | 1,492 |
| Net loans and leases to core deposits | 99.1762% | 1,546 |
| Total domestic deposits to total assets | 87.9319% | 1,679 |
| Equity capital to assets | 11.9443% | 2,064 |
| Core capital (leverage) ratio | 12.0101% | 1,594 |
| Tier 1 risk-based capital ratio | 22.1019% | 1,149 |
| Total risk-based capital ratio | 23.2148% | 1,141 |
| Memoranda: | ||
| Average total assets | $43,289,500 | 5,652 |
| Average earning assets | $40,379,000 | 5,628 |
| Average equity | $5,186,000 | 5,589 |
| Average total loans | $35,019,000 | 5,175 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8688% | 828 |
| Cost of funding earning assets | 0.9601% | 210 |
| Net interest margin | 3.9086% | 1,998 |
| Noninterest income to average assets | 0.0116% | 6,083 |
| Noninterest expense to average assets | 2.8107% | 3,183 |
| Loan and lease loss provision to assets | 0.0396% | 3,544 |
| Net operating income to assets | 0.4817% | 4,759 |
| Return on assets (ROA) | 0.5100% | 4,741 |
| Pretax return on assets | 0.8174% | 4,133 |
| Return on Equity (ROE) | 4.3114% | 4,813 |
| Retained earnings to average equity (ytd only) | 4.3114% | 2,908 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5707% | 2,036 |
| Assets per employee ($millions) | 7.1613% | 836 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6546% | 5,717 |
| Loan loss allowance to noncurrent loans | 20.2297% | 5,472 |
| Noncurrent assets plus other real estate owned to assets | 2.8137% | 498 |
| Noncurrent loans to loans | 3.2359% | 466 |
| Net loans and leases to total assets | 80.8834% | 728 |
| Net loans and leases to deposits | 92.0416% | 1,396 |
| Net loans and leases to core deposits | 100.7421% | 1,458 |
| Total domestic deposits to total assets | 87.8770% | 1,697 |
| Equity capital to assets | 12.0089% | 1,945 |
| Core capital (leverage) ratio | 11.9301% | 1,661 |
| Tier 1 risk-based capital ratio | 22.1931% | 1,121 |
| Total risk-based capital ratio | 23.1760% | 1,140 |
| Memoranda: | ||
| Average total assets | $42,942,400 | 5,706 |
| Average earning assets | $39,681,400 | 5,689 |
| Average equity | $5,079,600 | 5,639 |
| Average total loans | $32,624,600 | 5,272 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8819% | 799 |
| Cost of funding earning assets | 0.9575% | 216 |
| Net interest margin | 3.9244% | 1,953 |
| Noninterest income to average assets | 0.0155% | 6,161 |
| Noninterest expense to average assets | 2.7575% | 3,352 |
| Loan and lease loss provision to assets | 0.0279% | 3,686 |
| Net operating income to assets | 0.5243% | 4,701 |
| Return on assets (ROA) | 0.5621% | 4,642 |
| Pretax return on assets | 0.9036% | 3,972 |
| Return on Equity (ROE) | 4.7698% | 4,726 |
| Retained earnings to average equity (ytd only) | 4.7698% | 3,073 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.9624% | 2,257 |
| Assets per employee ($millions) | 7.1872% | 803 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6448% | 5,826 |
| Loan loss allowance to noncurrent loans | 30.6944% | 5,421 |
| Noncurrent assets plus other real estate owned to assets | 1.8389% | 1,151 |
| Noncurrent loans to loans | 2.1008% | 1,074 |
| Net loans and leases to total assets | 78.9648% | 961 |
| Net loans and leases to deposits | 89.8707% | 1,668 |
| Net loans and leases to core deposits | 98.3025% | 1,666 |
| Total domestic deposits to total assets | 87.8649% | 1,632 |
| Equity capital to assets | 11.9008% | 2,179 |
| Core capital (leverage) ratio | 11.8193% | 1,801 |
| Tier 1 risk-based capital ratio | 22.2294% | 1,159 |
| Total risk-based capital ratio | 23.1865% | 1,181 |
| Memoranda: | ||
| Average total assets | $42,936,000 | 5,781 |
| Average earning assets | $39,546,500 | 5,769 |
| Average equity | $5,059,500 | 5,709 |
| Average total loans | $32,035,000 | 5,355 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9304% | 684 |
| Cost of funding earning assets | 0.9456% | 226 |
| Net interest margin | 3.9848% | 1,683 |
| Noninterest income to average assets | 0.0093% | 6,247 |
| Noninterest expense to average assets | 2.7523% | 3,402 |
| Loan and lease loss provision to assets | 0.0280% | 3,566 |
| Net operating income to assets | 0.5551% | 4,538 |
| Return on assets (ROA) | 0.5551% | 4,648 |
| Pretax return on assets | 0.9050% | 3,940 |
| Return on Equity (ROE) | 4.7266% | 4,740 |
| Retained earnings to average equity (ytd only) | 4.7266% | 3,036 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.6835% | 2,577 |
| Assets per employee ($millions) | 7.0900% | 808 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7094% | 5,797 |
| Loan loss allowance to noncurrent loans | 27.0471% | 5,557 |
| Noncurrent assets plus other real estate owned to assets | 1.8947% | 1,193 |
| Noncurrent loans to loans | 2.6228% | 837 |
| Net loans and leases to total assets | 71.7254% | 2,039 |
| Net loans and leases to deposits | 81.5982% | 2,613 |
| Net loans and leases to core deposits | 88.6796% | 2,487 |
| Total domestic deposits to total assets | 87.9008% | 1,698 |
| Equity capital to assets | 11.9182% | 2,092 |
| Core capital (leverage) ratio | 11.6588% | 1,876 |
| Tier 1 risk-based capital ratio | 24.4976% | 906 |
| Total risk-based capital ratio | 25.5507% | 917 |
| Memoranda: | ||
| Average total assets | $42,873,670 | 5,848 |
| Average earning assets | $39,550,330 | 5,827 |
| Average equity | $5,035,330 | 5,771 |
| Average total loans | $31,289,000 | 5,421 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9452% | 626 |
| Cost of funding earning assets | 0.9348% | 240 |
| Net interest margin | 4.0105% | 1,520 |
| Noninterest income to average assets | 0.0093% | 6,316 |
| Noninterest expense to average assets | 2.7044% | 3,573 |
| Loan and lease loss provision to assets | 0.0279% | 3,325 |
| Net operating income to assets | 0.5948% | 4,312 |
| Return on assets (ROA) | 0.5948% | 4,408 |
| Pretax return on assets | 0.9851% | 3,557 |
| Return on Equity (ROE) | 5.1016% | 4,480 |
| Retained earnings to average equity (ytd only) | 5.1016% | 3,002 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7500% | 3,038 |
| Assets per employee ($millions) | 5.3904% | 1,898 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6782% | 5,943 |
| Loan loss allowance to noncurrent loans | 26.4778% | 5,617 |
| Noncurrent assets plus other real estate owned to assets | 1.8830% | 1,288 |
| Noncurrent loans to loans | 2.5614% | 940 |
| Net loans and leases to total assets | 73.0144% | 1,652 |
| Net loans and leases to deposits | 84.1219% | 2,054 |
| Net loans and leases to core deposits | 91.3883% | 1,996 |
| Total domestic deposits to total assets | 86.7959% | 2,495 |
| Equity capital to assets | 11.7710% | 2,224 |
| Core capital (leverage) ratio | 11.5988% | 1,931 |
| Tier 1 risk-based capital ratio | 23.8687% | 1,012 |
| Total risk-based capital ratio | 24.8917% | 1,020 |
| Memoranda: | ||
| Average total assets | $43,040,500 | 5,893 |
| Average earning assets | $39,796,000 | 5,873 |
| Average equity | $5,018,000 | 5,831 |
| Average total loans | $31,568,500 | 5,453 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9564% | 846 |
| Cost of funding earning assets | 0.9908% | 240 |
| Net interest margin | 3.9657% | 1,996 |
| Noninterest income to average assets | 0.0165% | 6,361 |
| Noninterest expense to average assets | 2.6661% | 3,990 |
| Loan and lease loss provision to assets | 0.0682% | 3,123 |
| Net operating income to assets | 0.5925% | 4,405 |
| Return on assets (ROA) | 0.5925% | 4,489 |
| Pretax return on assets | 0.9522% | 3,681 |
| Return on Equity (ROE) | 5.3973% | 4,460 |
| Retained earnings to average equity (ytd only) | 5.3973% | 2,329 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3214% | 3,153 |
| Assets per employee ($millions) | 6.1371% | 1,292 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6744% | 6,038 |
| Loan loss allowance to noncurrent loans | 32.8682% | 5,575 |
| Noncurrent assets plus other real estate owned to assets | 1.5014% | 1,817 |
| Noncurrent loans to loans | 2.0518% | 1,336 |
| Net loans and leases to total assets | 72.6816% | 1,804 |
| Net loans and leases to deposits | 83.4331% | 2,280 |
| Net loans and leases to core deposits | 89.9723% | 2,289 |
| Total domestic deposits to total assets | 87.1136% | 2,217 |
| Equity capital to assets | 11.4735% | 2,448 |
| Core capital (leverage) ratio | 11.4758% | 1,983 |
| Tier 1 risk-based capital ratio | 22.2453% | 1,190 |
| Total risk-based capital ratio | 23.2019% | 1,208 |
| Memoranda: | ||
| Average total assets | $42,534,200 | 5,969 |
| Average earning assets | $39,363,000 | 5,938 |
| Average equity | $4,669,000 | 5,936 |
| Average total loans | $31,077,800 | 5,525 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8818% | 967 |
| Cost of funding earning assets | 0.9961% | 253 |
| Net interest margin | 3.8857% | 2,300 |
| Noninterest income to average assets | 0.0157% | 6,445 |
| Noninterest expense to average assets | 2.5392% | 4,398 |
| Loan and lease loss provision to assets | 0.0723% | 2,899 |
| Net operating income to assets | 0.6191% | 4,358 |
| Return on assets (ROA) | 0.6191% | 4,450 |
| Pretax return on assets | 0.9962% | 3,610 |
| Return on Equity (ROE) | 5.7050% | 4,390 |
| Retained earnings to average equity (ytd only) | 5.7050% | 2,598 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.3833% | 3,444 |
| Assets per employee ($millions) | 6.1886% | 1,211 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6789% | 6,130 |
| Loan loss allowance to noncurrent loans | 31.9380% | 5,674 |
| Noncurrent assets plus other real estate owned to assets | 1.4889% | 2,063 |
| Noncurrent loans to loans | 2.1257% | 1,464 |
| Net loans and leases to total assets | 69.5683% | 2,262 |
| Net loans and leases to deposits | 79.3956% | 2,781 |
| Net loans and leases to core deposits | 84.7688% | 2,804 |
| Total domestic deposits to total assets | 87.6223% | 1,968 |
| Equity capital to assets | 11.0526% | 2,896 |
| Core capital (leverage) ratio | 11.2535% | 2,258 |
| Tier 1 risk-based capital ratio | 22.3347% | 1,214 |
| Total risk-based capital ratio | 23.2785% | 1,240 |
| Memoranda: | ||
| Average total assets | $42,427,750 | 6,042 |
| Average earning assets | $39,219,750 | 6,011 |
| Average equity | $4,604,000 | 6,019 |
| Average total loans | $30,988,250 | 5,586 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8482% | 993 |
| Cost of funding earning assets | 0.9849% | 275 |
| Net interest margin | 3.8633% | 2,315 |
| Noninterest income to average assets | 0.0142% | 6,524 |
| Noninterest expense to average assets | 2.5207% | 4,507 |
| Loan and lease loss provision to assets | 0.0807% | 2,687 |
| Net operating income to assets | 0.6361% | 4,177 |
| Return on assets (ROA) | 0.6361% | 4,280 |
| Pretax return on assets | 1.0254% | 3,371 |
| Return on Equity (ROE) | 5.8996% | 4,211 |
| Retained earnings to average equity (ytd only) | 5.8996% | 2,384 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5026% | 3,737 |
| Assets per employee ($millions) | 6.0851% | 1,229 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6324% | 6,269 |
| Loan loss allowance to noncurrent loans | 31.0078% | 5,749 |
| Noncurrent assets plus other real estate owned to assets | 1.5142% | 2,150 |
| Noncurrent loans to loans | 2.0395% | 1,649 |
| Net loans and leases to total assets | 73.7769% | 1,469 |
| Net loans and leases to deposits | 84.2610% | 2,010 |
| Net loans and leases to core deposits | 90.0458% | 2,120 |
| Total domestic deposits to total assets | 87.5575% | 2,166 |
| Equity capital to assets | 11.0855% | 2,801 |
| Core capital (leverage) ratio | 11.2968% | 2,158 |
| Tier 1 risk-based capital ratio | 20.6674% | 1,516 |
| Total risk-based capital ratio | 21.5264% | 1,591 |
| Memoranda: | ||
| Average total assets | $42,130,330 | 6,103 |
| Average earning assets | $39,396,000 | 6,064 |
| Average equity | $4,542,670 | 6,079 |
| Average total loans | $31,203,330 | 5,619 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7650% | 1,115 |
| Cost of funding earning assets | 1.0064% | 267 |
| Net interest margin | 3.7586% | 2,646 |
| Noninterest income to average assets | 0.0095% | 6,587 |
| Noninterest expense to average assets | 2.4059% | 4,913 |
| Loan and lease loss provision to assets | 0.1050% | 2,170 |
| Net operating income to assets | 0.6015% | 4,194 |
| Return on assets (ROA) | 0.6015% | 4,271 |
| Pretax return on assets | 0.9929% | 3,349 |
| Return on Equity (ROE) | 5.6591% | 4,204 |
| Retained earnings to average equity (ytd only) | 5.6591% | 2,713 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6649% | 4,070 |
| Assets per employee ($millions) | 6.0677% | 1,260 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6196% | 6,380 |
| Loan loss allowance to noncurrent loans | 20.9503% | 6,062 |
| Noncurrent assets plus other real estate owned to assets | 2.1802% | 1,523 |
| Noncurrent loans to loans | 2.9573% | 1,087 |
| Net loans and leases to total assets | 73.2636% | 1,392 |
| Net loans and leases to deposits | 82.2444% | 2,025 |
| Net loans and leases to core deposits | 89.1021% | 1,993 |
| Total domestic deposits to total assets | 89.0804% | 1,605 |
| Equity capital to assets | 10.7289% | 3,004 |
| Core capital (leverage) ratio | 11.1598% | 2,259 |
| Tier 1 risk-based capital ratio | 20.4222% | 1,610 |
| Total risk-based capital ratio | 21.2581% | 1,683 |
| Memoranda: | ||
| Average total assets | $41,897,500 | 6,170 |
| Average earning assets | $38,951,000 | 6,134 |
| Average equity | $4,453,000 | 6,146 |
| Average total loans | $30,992,000 | 5,679 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7641% | 1,394 |
| Cost of funding earning assets | 1.0621% | 337 |
| Net interest margin | 3.7019% | 3,047 |
| Noninterest income to average assets | 0.0194% | 6,617 |
| Noninterest expense to average assets | 2.4519% | 4,923 |
| Loan and lease loss provision to assets | 0.1310% | 2,672 |
| Net operating income to assets | 0.5457% | 4,527 |
| Return on assets (ROA) | 0.5457% | 4,655 |
| Pretax return on assets | 0.9022% | 3,757 |
| Return on Equity (ROE) | 5.0435% | 4,610 |
| Retained earnings to average equity (ytd only) | 5.0435% | 2,568 |
| Net charge-offs to loans | 0.0034% | 5,410 |
| Credit loss provision to net charge-offs | 5,400.0000% | 35 |
| Earnings coverage of net charge-offs (x) | 426.0000% | 98 |
| Efficiency ratio | 70.3549% | 3,782 |
| Assets per employee ($millions) | 5.9030% | 1,335 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5966% | 6,477 |
| Loan loss allowance to noncurrent loans | 27.6018% | 6,015 |
| Noncurrent assets plus other real estate owned to assets | 1.6045% | 2,314 |
| Noncurrent loans to loans | 2.1616% | 1,816 |
| Net loans and leases to total assets | 73.7857% | 1,382 |
| Net loans and leases to deposits | 82.7741% | 2,098 |
| Net loans and leases to core deposits | 88.5433% | 2,186 |
| Total domestic deposits to total assets | 89.1411% | 1,525 |
| Equity capital to assets | 10.5249% | 3,123 |
| Core capital (leverage) ratio | 11.3211% | 2,101 |
| Tier 1 risk-based capital ratio | 21.5298% | 1,332 |
| Total risk-based capital ratio | 22.3721% | 1,382 |
| Memoranda: | ||
| Average total assets | $41,233,000 | 6,251 |
| Average earning assets | $38,601,600 | 6,206 |
| Average equity | $4,461,200 | 6,217 |
| Average total loans | $29,454,800 | 5,791 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7230% | 1,537 |
| Cost of funding earning assets | 1.0703% | 355 |
| Net interest margin | 3.6528% | 3,220 |
| Noninterest income to average assets | 0.0194% | 6,699 |
| Noninterest expense to average assets | 2.4135% | 4,984 |
| Loan and lease loss provision to assets | 0.1230% | 2,755 |
| Net operating income to assets | 0.5144% | 4,741 |
| Return on assets (ROA) | 0.5144% | 4,891 |
| Pretax return on assets | 0.9059% | 3,859 |
| Return on Equity (ROE) | 4.7222% | 4,862 |
| Retained earnings to average equity (ytd only) | 4.7222% | 3,289 |
| Net charge-offs to loans | 0.0046% | 5,099 |
| Credit loss provision to net charge-offs | 3,800.0000% | 84 |
| Earnings coverage of net charge-offs (x) | 318.7895% | 183 |
| Efficiency ratio | 70.1128% | 3,745 |
| Assets per employee ($millions) | 5.8701% | 1,327 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5570% | 6,611 |
| Loan loss allowance to noncurrent loans | 51.5432% | 5,163 |
| Noncurrent assets plus other real estate owned to assets | 0.7885% | 4,133 |
| Noncurrent loans to loans | 1.0806% | 3,639 |
| Net loans and leases to total assets | 72.5585% | 1,519 |
| Net loans and leases to deposits | 81.5130% | 2,201 |
| Net loans and leases to core deposits | 87.2192% | 2,255 |
| Total domestic deposits to total assets | 89.0146% | 1,542 |
| Equity capital to assets | 10.6933% | 3,079 |
| Core capital (leverage) ratio | 11.2239% | 2,279 |
| Tier 1 risk-based capital ratio | 21.5595% | 1,392 |
| Total risk-based capital ratio | 22.3401% | 1,455 |
| Memoranda: | ||
| Average total assets | $41,211,000 | 6,324 |
| Average earning assets | $38,618,250 | 6,282 |
| Average equity | $4,489,250 | 6,290 |
| Average total loans | $29,150,500 | 5,860 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6462% | 1,709 |
| Cost of funding earning assets | 1.0738% | 378 |
| Net interest margin | 3.5724% | 3,478 |
| Noninterest income to average assets | 0.0097% | 6,772 |
| Noninterest expense to average assets | 2.3902% | 5,084 |
| Loan and lease loss provision to assets | 0.1261% | 2,747 |
| Net operating income to assets | 0.4557% | 4,989 |
| Return on assets (ROA) | 0.4557% | 5,162 |
| Pretax return on assets | 0.8485% | 4,122 |
| Return on Equity (ROE) | 4.1584% | 5,152 |
| Retained earnings to average equity (ytd only) | 4.1584% | 3,641 |
| Net charge-offs to loans | 0.0069% | 4,751 |
| Credit loss provision to net charge-offs | 2,600.0000% | 129 |
| Earnings coverage of net charge-offs (x) | 201.0000% | 257 |
| Efficiency ratio | 71.0375% | 3,636 |
| Assets per employee ($millions) | 5.9136% | 1,272 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5191% | 6,690 |
| Loan loss allowance to noncurrent loans | 47.8395% | 5,296 |
| Noncurrent assets plus other real estate owned to assets | 0.7827% | 4,269 |
| Noncurrent loans to loans | 1.0851% | 3,760 |
| Net loans and leases to total assets | 71.7599% | 1,618 |
| Net loans and leases to deposits | 80.5166% | 2,249 |
| Net loans and leases to core deposits | 86.8339% | 2,249 |
| Total domestic deposits to total assets | 89.1243% | 1,553 |
| Equity capital to assets | 10.5641% | 3,218 |
| Core capital (leverage) ratio | 10.9844% | 2,367 |
| Tier 1 risk-based capital ratio | 21.2636% | 1,432 |
| Total risk-based capital ratio | 21.9884% | 1,528 |
| Memoranda: | ||
| Average total assets | $41,251,000 | 6,368 |
| Average earning assets | $38,741,670 | 6,322 |
| Average equity | $4,521,000 | 6,327 |
| Average total loans | $28,873,330 | 5,898 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5536% | 1,977 |
| Cost of funding earning assets | 1.0871% | 399 |
| Net interest margin | 3.4664% | 3,834 |
| Noninterest income to average assets | 0.0097% | 6,830 |
| Noninterest expense to average assets | 2.4090% | 5,095 |
| Loan and lease loss provision to assets | 0.1360% | 2,545 |
| Net operating income to assets | 0.3497% | 5,351 |
| Return on assets (ROA) | 0.3497% | 5,496 |
| Pretax return on assets | 0.7480% | 4,382 |
| Return on Equity (ROE) | 3.1338% | 5,528 |
| Retained earnings to average equity (ytd only) | 3.1338% | 4,392 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1563% | 3,419 |
| Assets per employee ($millions) | 5.8907% | 1,341 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5052% | 6,783 |
| Loan loss allowance to noncurrent loans | 44.3077% | 5,412 |
| Noncurrent assets plus other real estate owned to assets | 0.7882% | 4,404 |
| Noncurrent loans to loans | 1.1403% | 3,878 |
| Net loans and leases to total assets | 68.7717% | 1,879 |
| Net loans and leases to deposits | 77.8253% | 2,361 |
| Net loans and leases to core deposits | 84.1209% | 2,309 |
| Total domestic deposits to total assets | 88.3667% | 2,089 |
| Equity capital to assets | 11.1847% | 2,760 |
| Core capital (leverage) ratio | 10.8864% | 2,364 |
| Tier 1 risk-based capital ratio | 21.7049% | 1,385 |
| Total risk-based capital ratio | 22.4011% | 1,476 |
| Memoranda: | ||
| Average total assets | $41,179,000 | 6,430 |
| Average earning assets | $39,002,500 | 6,365 |
| Average equity | $4,595,000 | 6,373 |
| Average total loans | $28,380,000 | 5,960 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8062% | 2,168 |
| Cost of funding earning assets | 1.2187% | 532 |
| Net interest margin | 3.5876% | 4,140 |
| Noninterest income to average assets | 0.0127% | 6,792 |
| Noninterest expense to average assets | 2.4382% | 5,290 |
| Loan and lease loss provision to assets | 0.3505% | 1,903 |
| Net operating income to assets | 0.4546% | 4,869 |
| Return on assets (ROA) | 0.4546% | 5,109 |
| Pretax return on assets | 0.6857% | 4,711 |
| Return on Equity (ROE) | 3.9810% | 5,150 |
| Retained earnings to average equity (ytd only) | 3.9810% | 3,400 |
| Net charge-offs to loans | 0.5145% | 2,187 |
| Credit loss provision to net charge-offs | 95.8333% | 3,238 |
| Earnings coverage of net charge-offs (x) | 2.8333% | 4,012 |
| Efficiency ratio | 70.1754% | 3,781 |
| Assets per employee ($millions) | 5.8747% | 1,375 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4600% | 6,864 |
| Loan loss allowance to noncurrent loans | 216.6667% | 1,726 |
| Noncurrent assets plus other real estate owned to assets | 0.1459% | 6,201 |
| Noncurrent loans to loans | 0.2123% | 5,943 |
| Net loans and leases to total assets | 68.3997% | 2,121 |
| Net loans and leases to deposits | 77.3853% | 2,605 |
| Net loans and leases to core deposits | 84.8942% | 2,441 |
| Total domestic deposits to total assets | 88.3885% | 1,970 |
| Equity capital to assets | 11.1325% | 2,802 |
| Core capital (leverage) ratio | 10.8285% | 2,405 |
| Tier 1 risk-based capital ratio | 20.9405% | 1,477 |
| Total risk-based capital ratio | 21.5518% | 1,575 |
| Memoranda: | ||
| Average total assets | $39,373,000 | 6,520 |
| Average earning assets | $37,992,200 | 6,430 |
| Average equity | $4,496,400 | 6,444 |
| Average total loans | $27,986,800 | 6,036 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8712% | 2,120 |
| Cost of funding earning assets | 1.2338% | 595 |
| Net interest margin | 3.6374% | 4,067 |
| Noninterest income to average assets | 0.0411% | 6,830 |
| Noninterest expense to average assets | 2.3971% | 5,408 |
| Loan and lease loss provision to assets | 0.1267% | 3,963 |
| Net operating income to assets | 0.6027% | 4,382 |
| Return on assets (ROA) | 0.6027% | 4,647 |
| Pretax return on assets | 1.0205% | 3,635 |
| Return on Equity (ROE) | 5.2426% | 4,708 |
| Retained earnings to average equity (ytd only) | 5.2426% | 3,195 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6329% | 4,145 |
| Assets per employee ($millions) | 5.7834% | 1,386 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6221% | 6,837 |
| Loan loss allowance to noncurrent loans | 33.5271% | 5,960 |
| Noncurrent assets plus other real estate owned to assets | 1.2746% | 3,741 |
| Noncurrent loans to loans | 1.8556% | 3,006 |
| Net loans and leases to total assets | 68.2615% | 2,253 |
| Net loans and leases to deposits | 77.3267% | 2,756 |
| Net loans and leases to core deposits | 83.1153% | 2,808 |
| Total domestic deposits to total assets | 88.2769% | 1,863 |
| Equity capital to assets | 11.3156% | 2,919 |
| Core capital (leverage) ratio | 11.0277% | 2,353 |
| Tier 1 risk-based capital ratio | 21.5038% | 1,422 |
| Total risk-based capital ratio | 22.3398% | 1,475 |
| Memoranda: | ||
| Average total assets | $38,935,500 | 6,621 |
| Average earning assets | $37,498,500 | 6,530 |
| Average equity | $4,476,000 | 6,518 |
| Average total loans | $27,919,000 | 6,113 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0037% | 1,783 |
| Cost of funding earning assets | 1.2496% | 648 |
| Net interest margin | 3.7541% | 3,566 |
| Noninterest income to average assets | 0.0052% | 6,975 |
| Noninterest expense to average assets | 2.3998% | 5,465 |
| Loan and lease loss provision to assets | 0.0312% | 5,275 |
| Net operating income to assets | 0.7392% | 3,648 |
| Return on assets (ROA) | 0.7392% | 3,927 |
| Pretax return on assets | 1.2025% | 2,914 |
| Return on Equity (ROE) | 6.3950% | 4,103 |
| Retained earnings to average equity (ytd only) | 6.3950% | 2,446 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0458% | 4,524 |
| Assets per employee ($millions) | 5.6303% | 1,497 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4966% | 7,025 |
| Loan loss allowance to noncurrent loans | 244.8276% | 1,427 |
| Noncurrent assets plus other real estate owned to assets | 0.1472% | 6,418 |
| Noncurrent loans to loans | 0.2028% | 6,178 |
| Net loans and leases to total assets | 72.1963% | 1,525 |
| Net loans and leases to deposits | 81.9551% | 2,117 |
| Net loans and leases to core deposits | 85.8652% | 2,444 |
| Total domestic deposits to total assets | 88.0925% | 2,082 |
| Equity capital to assets | 11.4610% | 2,628 |
| Core capital (leverage) ratio | 11.2335% | 2,101 |
| Tier 1 risk-based capital ratio | 21.7387% | 1,340 |
| Total risk-based capital ratio | 22.4377% | 1,420 |
| Memoranda: | ||
| Average total assets | $38,419,330 | 6,673 |
| Average earning assets | $37,132,330 | 6,584 |
| Average equity | $4,441,000 | 6,560 |
| Average total loans | $27,956,000 | 6,155 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9871% | 1,935 |
| Cost of funding earning assets | 1.2631% | 735 |
| Net interest margin | 3.7240% | 3,718 |
| Noninterest income to average assets | 0.0105% | 7,070 |
| Noninterest expense to average assets | 2.4471% | 5,324 |
| Loan and lease loss provision to assets | 0.0316% | 4,974 |
| Net operating income to assets | 0.6961% | 3,904 |
| Return on assets (ROA) | 0.6961% | 4,122 |
| Pretax return on assets | 1.1392% | 3,169 |
| Return on Equity (ROE) | 5.9959% | 4,298 |
| Retained earnings to average equity (ytd only) | 5.9959% | 2,963 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6385% | 4,245 |
| Assets per employee ($millions) | 5.4943% | 1,698 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4972% | 7,067 |
| Loan loss allowance to noncurrent loans | 239.6552% | 1,395 |
| Noncurrent assets plus other real estate owned to assets | 0.1508% | 6,505 |
| Noncurrent loans to loans | 0.2075% | 6,271 |
| Net loans and leases to total assets | 72.3323% | 1,343 |
| Net loans and leases to deposits | 82.2172% | 1,911 |
| Net loans and leases to core deposits | 86.2417% | 2,263 |
| Total domestic deposits to total assets | 87.9771% | 2,335 |
| Equity capital to assets | 11.5133% | 2,430 |
| Core capital (leverage) ratio | 11.2845% | 2,042 |
| Tier 1 risk-based capital ratio | 21.5609% | 1,372 |
| Total risk-based capital ratio | 22.2515% | 1,465 |
| Memoranda: | ||
| Average total assets | $37,923,000 | 6,738 |
| Average earning assets | $36,734,500 | 6,653 |
| Average equity | $4,403,000 | 6,607 |
| Average total loans | $27,636,000 | 6,212 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3157% | 1,655 |
| Cost of funding earning assets | 1.4118% | 988 |
| Net interest margin | 3.9039% | 3,323 |
| Noninterest income to average assets | 0.0196% | 6,937 |
| Noninterest expense to average assets | 2.5504% | 5,293 |
| Loan and lease loss provision to assets | 0.1006% | 5,330 |
| Net operating income to assets | 0.6984% | 3,500 |
| Return on assets (ROA) | 0.6984% | 3,686 |
| Pretax return on assets | 1.1537% | 2,634 |
| Return on Equity (ROE) | 5.9903% | 3,875 |
| Retained earnings to average equity (ytd only) | 5.9903% | 2,022 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0338% | 4,569 |
| Assets per employee ($millions) | 5.3409% | 1,792 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4979% | 7,109 |
| Loan loss allowance to noncurrent loans | 234.4828% | 1,420 |
| Noncurrent assets plus other real estate owned to assets | 0.1551% | 6,558 |
| Noncurrent loans to loans | 0.2123% | 6,318 |
| Net loans and leases to total assets | 72.6957% | 1,516 |
| Net loans and leases to deposits | 83.0294% | 2,065 |
| Net loans and leases to core deposits | 87.2152% | 2,473 |
| Total domestic deposits to total assets | 87.5542% | 2,441 |
| Equity capital to assets | 11.7103% | 2,333 |
| Core capital (leverage) ratio | 11.4812% | 1,904 |
| Tier 1 risk-based capital ratio | 22.0514% | 1,232 |
| Total risk-based capital ratio | 22.7531% | 1,290 |
| Memoranda: | ||
| Average total assets | $35,798,600 | 6,803 |
| Average earning assets | $34,708,600 | 6,721 |
| Average equity | $4,173,400 | 6,708 |
| Average total loans | $26,503,400 | 6,324 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3268% | 1,768 |
| Cost of funding earning assets | 1.4482% | 1,031 |
| Net interest margin | 3.8786% | 3,486 |
| Noninterest income to average assets | 0.0151% | 7,062 |
| Noninterest expense to average assets | 2.5422% | 5,309 |
| Loan and lease loss provision to assets | 0.0979% | 5,232 |
| Net operating income to assets | 0.6930% | 3,656 |
| Return on assets (ROA) | 0.6930% | 3,826 |
| Pretax return on assets | 1.1374% | 2,865 |
| Return on Equity (ROE) | 5.9514% | 4,038 |
| Retained earnings to average equity (ytd only) | 5.9514% | 2,585 |
| Net charge-offs to loans | 0.0304% | 5,720 |
| Credit loss provision to net charge-offs | 433.3333% | 648 |
| Earnings coverage of net charge-offs (x) | 54.6650% | 598 |
| Efficiency ratio | 67.2981% | 4,466 |
| Assets per employee ($millions) | 5.2386% | 1,877 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4294% | 7,208 |
| Loan loss allowance to noncurrent loans | 52.8634% | 4,831 |
| Noncurrent assets plus other real estate owned to assets | 0.6190% | 5,585 |
| Noncurrent loans to loans | 0.8122% | 5,242 |
| Net loans and leases to total assets | 75.8904% | 993 |
| Net loans and leases to deposits | 86.6515% | 1,597 |
| Net loans and leases to core deposits | 91.8419% | 2,017 |
| Total domestic deposits to total assets | 87.5811% | 2,305 |
| Equity capital to assets | 11.7671% | 2,441 |
| Core capital (leverage) ratio | 11.5269% | 2,009 |
| Tier 1 risk-based capital ratio | 20.8121% | 1,493 |
| Total risk-based capital ratio | 21.4056% | 1,617 |
| Memoranda: | ||
| Average total assets | $35,401,750 | 6,880 |
| Average earning assets | $34,341,500 | 6,798 |
| Average equity | $4,122,250 | 6,774 |
| Average total loans | $26,300,750 | 6,401 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3447% | 1,732 |
| Cost of funding earning assets | 1.4866% | 1,049 |
| Net interest margin | 3.8581% | 3,496 |
| Noninterest income to average assets | 0.0172% | 7,154 |
| Noninterest expense to average assets | 2.5958% | 5,207 |
| Loan and lease loss provision to assets | 0.0800% | 5,308 |
| Net operating income to assets | 0.6690% | 3,696 |
| Return on assets (ROA) | 0.6690% | 3,814 |
| Pretax return on assets | 1.0806% | 2,931 |
| Return on Equity (ROE) | 5.7664% | 4,076 |
| Retained earnings to average equity (ytd only) | 5.7664% | 2,557 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1020% | 4,304 |
| Assets per employee ($millions) | 4.5326% | 2,777 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4331% | 7,271 |
| Loan loss allowance to noncurrent loans | 23.4086% | 6,599 |
| Noncurrent assets plus other real estate owned to assets | 1.3430% | 4,213 |
| Noncurrent loans to loans | 1.8501% | 3,679 |
| Net loans and leases to total assets | 72.2788% | 1,738 |
| Net loans and leases to deposits | 82.0108% | 2,454 |
| Net loans and leases to core deposits | 87.8494% | 2,662 |
| Total domestic deposits to total assets | 88.1333% | 2,055 |
| Equity capital to assets | 11.4558% | 2,544 |
| Core capital (leverage) ratio | 11.4284% | 1,955 |
| Tier 1 risk-based capital ratio | 23.3708% | 1,076 |
| Total risk-based capital ratio | 24.0478% | 1,132 |
| Memoranda: | ||
| Average total assets | $34,979,000 | 6,959 |
| Average earning assets | $33,903,000 | 6,872 |
| Average equity | $4,058,000 | 6,832 |
| Average total loans | $25,751,330 | 6,494 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3696% | 1,675 |
| Cost of funding earning assets | 1.5290% | 1,056 |
| Net interest margin | 3.8406% | 3,415 |
| Noninterest income to average assets | 0.0116% | 7,267 |
| Noninterest expense to average assets | 2.6094% | 5,187 |
| Loan and lease loss provision to assets | 0.0932% | 4,849 |
| Net operating income to assets | 0.6407% | 3,799 |
| Return on assets (ROA) | 0.6407% | 3,873 |
| Pretax return on assets | 1.0251% | 3,044 |
| Return on Equity (ROE) | 5.4863% | 4,163 |
| Retained earnings to average equity (ytd only) | 5.4863% | 2,915 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0000% | 4,271 |
| Assets per employee ($millions) | 5.8090% | 1,335 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4192% | 7,337 |
| Loan loss allowance to noncurrent loans | 20.3390% | 6,761 |
| Noncurrent assets plus other real estate owned to assets | 1.5235% | 3,968 |
| Noncurrent loans to loans | 2.0612% | 3,493 |
| Net loans and leases to total assets | 73.6042% | 1,404 |
| Net loans and leases to deposits | 83.5417% | 2,102 |
| Net loans and leases to core deposits | 85.2519% | 2,999 |
| Total domestic deposits to total assets | 88.1047% | 2,312 |
| Equity capital to assets | 11.5625% | 2,217 |
| Core capital (leverage) ratio | 11.6798% | 1,752 |
| Tier 1 risk-based capital ratio | 23.5145% | 1,023 |
| Total risk-based capital ratio | 24.2695% | 1,067 |
| Memoranda: | ||
| Average total assets | $34,338,000 | 7,032 |
| Average earning assets | $33,224,000 | 6,947 |
| Average equity | $4,010,000 | 6,885 |
| Average total loans | $25,465,500 | 6,561 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2989% | 3,134 |
| Cost of funding earning assets | 1.8830% | 903 |
| Net interest margin | 3.4159% | 5,569 |
| Noninterest income to average assets | 0.0118% | 7,241 |
| Noninterest expense to average assets | 2.4767% | 5,872 |
| Loan and lease loss provision to assets | 0.1625% | 5,587 |
| Net operating income to assets | 0.3221% | 4,859 |
| Return on assets (ROA) | 0.3221% | 5,022 |
| Pretax return on assets | 0.6591% | 4,132 |
| Return on Equity (ROE) | 2.7254% | 5,077 |
| Retained earnings to average equity (ytd only) | 2.7254% | 3,950 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.0896% | 3,193 |
| Assets per employee ($millions) | 5.6370% | 1,467 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3973% | 7,425 |
| Loan loss allowance to noncurrent loans | 15.8228% | 6,957 |
| Noncurrent assets plus other real estate owned to assets | 1.8686% | 3,525 |
| Noncurrent loans to loans | 2.5110% | 3,017 |
| Net loans and leases to total assets | 74.1204% | 1,638 |
| Net loans and leases to deposits | 84.5612% | 2,368 |
| Net loans and leases to core deposits | 88.6175% | 2,963 |
| Total domestic deposits to total assets | 87.6530% | 2,449 |
| Equity capital to assets | 11.7971% | 2,042 |
| Core capital (leverage) ratio | 11.8812% | 1,629 |
| Tier 1 risk-based capital ratio | 23.5284% | 980 |
| Total risk-based capital ratio | 24.2065% | 1,024 |
| Memoranda: | ||
| Average total assets | $33,835,800 | 7,084 |
| Average earning assets | $32,553,800 | 6,999 |
| Average equity | $3,999,400 | 7,004 |
| Average total loans | $22,329,000 | 6,805 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2474% | 3,594 |
| Cost of funding earning assets | 1.9339% | 922 |
| Net interest margin | 3.3135% | 5,967 |
| Noninterest income to average assets | 0.0118% | 7,409 |
| Noninterest expense to average assets | 2.4232% | 5,959 |
| Loan and lease loss provision to assets | 0.1655% | 5,390 |
| Net operating income to assets | 0.5398% | 4,134 |
| Return on assets (ROA) | 0.5398% | 4,306 |
| Pretax return on assets | 0.6028% | 4,584 |
| Return on Equity (ROE) | 4.5645% | 4,524 |
| Retained earnings to average equity (ytd only) | 4.5645% | 3,297 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.9259% | 2,968 |
| Assets per employee ($millions) | 5.8563% | 1,338 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3660% | 7,559 |
| Loan loss allowance to noncurrent loans | 21.2871% | 6,846 |
| Noncurrent assets plus other real estate owned to assets | 1.1498% | 4,817 |
| Noncurrent loans to loans | 1.7191% | 4,065 |
| Net loans and leases to total assets | 66.6344% | 3,541 |
| Net loans and leases to deposits | 75.9973% | 4,179 |
| Net loans and leases to core deposits | 80.1657% | 4,495 |
| Total domestic deposits to total assets | 87.6800% | 2,168 |
| Equity capital to assets | 11.9358% | 2,199 |
| Core capital (leverage) ratio | 11.5904% | 1,883 |
| Tier 1 risk-based capital ratio | 24.2780% | 916 |
| Total risk-based capital ratio | 25.1768% | 928 |
| Memoranda: | ||
| Average total assets | $33,839,250 | 7,168 |
| Average earning assets | $32,472,500 | 7,082 |
| Average equity | $4,001,750 | 7,093 |
| Average total loans | $21,619,000 | 6,936 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1933% | 3,994 |
| Cost of funding earning assets | 1.9873% | 939 |
| Net interest margin | 3.2059% | 6,299 |
| Noninterest income to average assets | 0.0180% | 7,469 |
| Noninterest expense to average assets | 2.4067% | 6,052 |
| Loan and lease loss provision to assets | 0.1676% | 5,200 |
| Net operating income to assets | 0.4670% | 4,478 |
| Return on assets (ROA) | 0.4670% | 4,637 |
| Pretax return on assets | 0.5149% | 4,859 |
| Return on Equity (ROE) | 3.9617% | 4,792 |
| Retained earnings to average equity (ytd only) | 3.9617% | 3,558 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.9070% | 2,740 |
| Assets per employee ($millions) | 5.8367% | 1,350 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3247% | 7,650 |
| Loan loss allowance to noncurrent loans | 20.1102% | 6,936 |
| Noncurrent assets plus other real estate owned to assets | 1.0366% | 5,064 |
| Noncurrent loans to loans | 1.6144% | 4,289 |
| Net loans and leases to total assets | 63.9977% | 4,266 |
| Net loans and leases to deposits | 72.8395% | 4,863 |
| Net loans and leases to core deposits | 74.9415% | 5,332 |
| Total domestic deposits to total assets | 87.8612% | 2,074 |
| Equity capital to assets | 11.7447% | 2,253 |
| Core capital (leverage) ratio | 11.4540% | 1,938 |
| Tier 1 risk-based capital ratio | 24.9719% | 845 |
| Total risk-based capital ratio | 25.7659% | 870 |
| Memoranda: | ||
| Average total assets | $33,406,330 | 7,236 |
| Average earning assets | $32,003,000 | 7,158 |
| Average equity | $3,937,670 | 7,145 |
| Average total loans | $20,992,000 | 7,016 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1568% | 4,264 |
| Cost of funding earning assets | 2.0678% | 897 |
| Net interest margin | 3.0890% | 6,622 |
| Noninterest income to average assets | 0.0123% | 7,616 |
| Noninterest expense to average assets | 2.3559% | 6,224 |
| Loan and lease loss provision to assets | 0.1718% | 4,807 |
| Net operating income to assets | 0.4049% | 4,816 |
| Return on assets (ROA) | 0.4049% | 4,964 |
| Pretax return on assets | 0.4540% | 5,117 |
| Return on Equity (ROE) | 3.4286% | 5,154 |
| Retained earnings to average equity (ytd only) | 3.4286% | 4,099 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.0123% | 2,719 |
| Assets per employee ($millions) | 5.5320% | 1,631 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2875% | 7,761 |
| Loan loss allowance to noncurrent loans | 11.1954% | 7,310 |
| Noncurrent assets plus other real estate owned to assets | 1.5877% | 4,121 |
| Noncurrent loans to loans | 2.5680% | 3,104 |
| Net loans and leases to total assets | 61.6504% | 4,825 |
| Net loans and leases to deposits | 70.0788% | 5,336 |
| Net loans and leases to core deposits | 73.2994% | 5,577 |
| Total domestic deposits to total assets | 87.9730% | 2,079 |
| Equity capital to assets | 11.7980% | 2,166 |
| Core capital (leverage) ratio | 11.8831% | 1,703 |
| Tier 1 risk-based capital ratio | 25.9376% | 778 |
| Total risk-based capital ratio | 26.4236% | 825 |
| Memoranda: | ||
| Average total assets | $32,599,500 | 7,357 |
| Average earning assets | $31,337,500 | 7,272 |
| Average equity | $3,850,000 | 7,234 |
| Average total loans | $20,245,500 | 7,147 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5742% | 3,736 |
| Cost of funding earning assets | 2.4952% | 1,036 |
| Net interest margin | 3.0790% | 6,440 |
| Noninterest income to average assets | 0.0160% | 7,634 |
| Noninterest expense to average assets | 2.5671% | 5,902 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.3184% | 4,459 |
| Return on assets (ROA) | 0.3209% | 4,534 |
| Pretax return on assets | 0.4139% | 4,455 |
| Return on Equity (ROE) | 2.6019% | 4,661 |
| Retained earnings to average equity (ytd only) | 2.6019% | 3,320 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.2069% | 2,090 |
| Assets per employee ($millions) | 5.3345% | 1,806 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2253% | 7,873 |
| Loan loss allowance to noncurrent loans | 13.6778% | 7,296 |
| Noncurrent assets plus other real estate owned to assets | 1.0279% | 5,050 |
| Noncurrent loans to loans | 1.6476% | 4,177 |
| Net loans and leases to total assets | 62.2489% | 4,937 |
| Net loans and leases to deposits | 70.7428% | 5,503 |
| Net loans and leases to core deposits | 95.5908% | 4,503 |
| Total domestic deposits to total assets | 87.9933% | 1,977 |
| Equity capital to assets | 11.8224% | 2,124 |
| Core capital (leverage) ratio | 12.1743% | 1,591 |
| Tier 1 risk-based capital ratio | 26.5690% | 726 |
| Total risk-based capital ratio | 27.2746% | 744 |
| Memoranda: | ||
| Average total assets | $31,164,000 | 7,435 |
| Average earning assets | $29,977,400 | 7,358 |
| Average equity | $3,843,400 | 7,343 |
| Average total loans | $19,573,400 | 7,222 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6421% | 3,622 |
| Cost of funding earning assets | 2.5772% | 1,084 |
| Net interest margin | 3.0649% | 6,419 |
| Noninterest income to average assets | 0.0172% | 7,779 |
| Noninterest expense to average assets | 2.5500% | 5,894 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.3453% | 4,619 |
| Return on assets (ROA) | 0.3489% | 4,697 |
| Pretax return on assets | 0.4222% | 4,735 |
| Return on Equity (ROE) | 2.7992% | 4,875 |
| Retained earnings to average equity (ytd only) | 2.7992% | 3,767 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.9216% | 2,071 |
| Assets per employee ($millions) | 5.1540% | 1,963 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2274% | 7,961 |
| Loan loss allowance to noncurrent loans | 80.3571% | 3,401 |
| Noncurrent assets plus other real estate owned to assets | 0.1811% | 7,078 |
| Noncurrent loans to loans | 0.2830% | 6,802 |
| Net loans and leases to total assets | 63.8371% | 4,899 |
| Net loans and leases to deposits | 73.3457% | 5,467 |
| Net loans and leases to core deposits | 96.0633% | 4,807 |
| Total domestic deposits to total assets | 87.0360% | 2,169 |
| Equity capital to assets | 12.6277% | 1,869 |
| Core capital (leverage) ratio | 12.6120% | 1,535 |
| Tier 1 risk-based capital ratio | 27.4326% | 717 |
| Total risk-based capital ratio | 27.7774% | 762 |
| Memoranda: | ||
| Average total assets | $30,953,250 | 7,505 |
| Average earning assets | $29,799,000 | 7,425 |
| Average equity | $3,858,250 | 7,398 |
| Average total loans | $19,474,500 | 7,290 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6734% | 3,698 |
| Cost of funding earning assets | 2.6149% | 1,245 |
| Net interest margin | 3.0585% | 6,368 |
| Noninterest income to average assets | 0.0194% | 7,870 |
| Noninterest expense to average assets | 2.5708% | 5,857 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.3113% | 4,842 |
| Return on assets (ROA) | 0.3165% | 4,936 |
| Pretax return on assets | 0.3940% | 4,953 |
| Return on Equity (ROE) | 2.5503% | 5,079 |
| Retained earnings to average equity (ytd only) | 2.5503% | 3,910 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.8996% | 2,130 |
| Assets per employee ($millions) | 5.1882% | 1,876 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2316% | 8,045 |
| Loan loss allowance to noncurrent loans | 78.9474% | 3,549 |
| Noncurrent assets plus other real estate owned to assets | 0.1831% | 7,079 |
| Noncurrent loans to loans | 0.2933% | 6,783 |
| Net loans and leases to total assets | 62.2795% | 5,309 |
| Net loans and leases to deposits | 71.1841% | 5,850 |
| Net loans and leases to core deposits | 95.5495% | 4,953 |
| Total domestic deposits to total assets | 87.4908% | 2,021 |
| Equity capital to assets | 12.2619% | 2,050 |
| Core capital (leverage) ratio | 12.3460% | 1,674 |
| Tier 1 risk-based capital ratio | 27.1305% | 772 |
| Total risk-based capital ratio | 27.5957% | 802 |
| Memoranda: | ||
| Average total assets | $30,963,000 | 7,568 |
| Average earning assets | $29,753,000 | 7,491 |
| Average equity | $3,842,670 | 7,460 |
| Average total loans | $19,370,670 | 7,369 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6824% | 3,890 |
| Cost of funding earning assets | 2.6931% | 1,294 |
| Net interest margin | 2.9893% | 6,511 |
| Noninterest income to average assets | 0.0259% | 7,950 |
| Noninterest expense to average assets | 2.4741% | 5,938 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.3772% | 4,957 |
| Return on assets (ROA) | 0.3886% | 5,075 |
| Pretax return on assets | 0.4404% | 5,270 |
| Return on Equity (ROE) | 3.1124% | 5,320 |
| Retained earnings to average equity (ytd only) | 3.1124% | 4,140 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.2679% | 2,163 |
| Assets per employee ($millions) | 5.2402% | 1,805 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2330% | 8,084 |
| Loan loss allowance to noncurrent loans | 78.9474% | 3,715 |
| Noncurrent assets plus other real estate owned to assets | 0.1813% | 6,991 |
| Noncurrent loans to loans | 0.2952% | 6,705 |
| Net loans and leases to total assets | 61.2767% | 5,452 |
| Net loans and leases to deposits | 70.0404% | 5,974 |
| Net loans and leases to core deposits | 90.6081% | 5,497 |
| Total domestic deposits to total assets | 87.4877% | 1,974 |
| Equity capital to assets | 12.2865% | 2,081 |
| Core capital (leverage) ratio | 12.2649% | 1,776 |
| Tier 1 risk-based capital ratio | 27.1466% | 809 |
| Total risk-based capital ratio | 27.5199% | 852 |
| Memoranda: | ||
| Average total assets | $30,880,000 | 7,610 |
| Average earning assets | $29,706,000 | 7,532 |
| Average equity | $3,855,500 | 7,501 |
| Average total loans | $19,340,000 | 7,418 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7913% | 6,459 |
| Cost of funding earning assets | 3.0318% | 1,744 |
| Net interest margin | 2.7594% | 7,396 |
| Noninterest income to average assets | 0.0102% | 8,065 |
| Noninterest expense to average assets | 2.4184% | 6,334 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.2069% | 5,830 |
| Return on assets (ROA) | 0.2069% | 5,647 |
| Pretax return on assets | 0.2374% | 5,652 |
| Return on Equity (ROE) | 1.5536% | 5,752 |
| Retained earnings to average equity (ytd only) | 1.5536% | 4,288 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.0600% | 1,439 |
| Assets per employee ($millions) | 5.0532% | 1,902 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2323% | 8,140 |
| Loan loss allowance to noncurrent loans | 10.8173% | 7,495 |
| Noncurrent assets plus other real estate owned to assets | 1.3721% | 3,445 |
| Noncurrent loans to loans | 2.1478% | 2,565 |
| Net loans and leases to total assets | 63.7356% | 5,328 |
| Net loans and leases to deposits | 73.2747% | 5,920 |
| Net loans and leases to core deposits | 94.3370% | 5,419 |
| Total domestic deposits to total assets | 86.9818% | 1,944 |
| Equity capital to assets | 12.6917% | 1,923 |
| Core capital (leverage) ratio | 12.6626% | 1,679 |
| Tier 1 risk-based capital ratio | 27.5840% | 787 |
| Total risk-based capital ratio | 28.0155% | 824 |
| Memoranda: | ||
| Average total assets | $29,482,000 | 7,668 |
| Average earning assets | $28,266,600 | 7,603 |
| Average equity | $3,926,400 | 7,541 |
| Average total loans | $18,877,200 | 7,409 |