Home > Peoples Bank of Deer Lodge > Performance and Condition Ratios
Peoples Bank of Deer Lodge, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8633% | 1,384 |
| Cost of funding earning assets | 1.1907% | 3,752 |
| Net interest margin | 4.6726% | 481 |
| Noninterest income to average assets | 0.2800% | 3,001 |
| Noninterest expense to average assets | 2.7426% | 1,648 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | 2.0309% | 435 |
| Return on assets (ROA) | 2.0309% | 438 |
| Pretax return on assets | 2.0309% | 655 |
| Return on Equity (ROE) | 22.3700% | 303 |
| Retained earnings to average equity (ytd only) | 22.3656% | 115 |
| Net charge-offs to loans | 0.0000% | 2,326 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 57.4545% | 3,245 |
| Assets per employee ($millions) | 6.3216% | 2,706 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1312% | 2,566 |
| Loan loss allowance to noncurrent loans | 105.7743% | 2,861 |
| Noncurrent assets plus other real estate owned to assets | 0.8610% | 876 |
| Noncurrent loans to loans | 1.0694% | 993 |
| Net loans and leases to total assets | 79.6000% | 644 |
| Net loans and leases to deposits | 88.4048% | 1,262 |
| Net loans and leases to core deposits | 91.6599% | 1,931 |
| Total domestic deposits to total assets | 90.0400% | 804 |
| Equity capital to assets | 9.8145% | 2,342 |
| Core capital (leverage) ratio | 10.8352% | 2,153 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $46,088,000 | 4,242 |
| Average earning assets | $44,343,500 | 4,208 |
| Average equity | $4,185,000 | 4,292 |
| Average total loans | $35,011,000 | 4,016 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0143% | 1,266 |
| Cost of funding earning assets | 1.4067% | 3,512 |
| Net interest margin | 4.6076% | 551 |
| Noninterest income to average assets | 0.2400% | 3,442 |
| Noninterest expense to average assets | 3.0881% | 1,010 |
| Loan and lease loss provision to assets | 0.1100% | 1,276 |
| Net operating income to assets | 1.4594% | 970 |
| Return on assets (ROA) | 1.4594% | 967 |
| Pretax return on assets | 1.4594% | 1,362 |
| Return on Equity (ROE) | 16.6200% | 714 |
| Retained earnings to average equity (ytd only) | 7.8149% | 1,174 |
| Net charge-offs to loans | 0.0228% | 2,133 |
| Credit loss provision to net charge-offs | 625.0000% | 539 |
| Earnings coverage of net charge-offs (x) | 88.1250% | 872 |
| Efficiency ratio | 66.2841% | 2,457 |
| Assets per employee ($millions) | 6.8464% | 2,260 |
| Cash dividends to net income (ytd only)* | 52.9771% | 1,496 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1717% | 2,310 |
| Loan loss allowance to noncurrent loans | 103.5990% | 2,939 |
| Noncurrent assets plus other real estate owned to assets | 0.8117% | 887 |
| Noncurrent loans to loans | 1.1310% | 891 |
| Net loans and leases to total assets | 70.9300% | 1,790 |
| Net loans and leases to deposits | 77.5914% | 2,321 |
| Net loans and leases to core deposits | 79.5693% | 2,807 |
| Total domestic deposits to total assets | 91.4100% | 419 |
| Equity capital to assets | 8.4027% | 3,275 |
| Core capital (leverage) ratio | 9.9694% | 2,770 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $44,882,000 | 4,265 |
| Average earning assets | $43,080,800 | 4,230 |
| Average equity | $3,941,200 | 4,311 |
| Average total loans | $35,077,600 | 4,025 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9946% | 1,258 |
| Cost of funding earning assets | 1.4726% | 3,413 |
| Net interest margin | 4.5219% | 625 |
| Noninterest income to average assets | 0.2500% | 3,362 |
| Noninterest expense to average assets | 3.1700% | 878 |
| Loan and lease loss provision to assets | 0.1500% | 844 |
| Net operating income to assets | 1.2662% | 1,386 |
| Return on assets (ROA) | 1.2662% | 1,381 |
| Pretax return on assets | 1.2662% | 1,851 |
| Return on Equity (ROE) | 14.2500% | 1,095 |
| Retained earnings to average equity (ytd only) | 10.2385% | 799 |
| Net charge-offs to loans | 0.0303% | 1,719 |
| Credit loss provision to net charge-offs | 625.0000% | 543 |
| Earnings coverage of net charge-offs (x) | 58.6250% | 1,108 |
| Efficiency ratio | 69.1041% | 2,132 |
| Assets per employee ($millions) | 6.2914% | 2,665 |
| Cash dividends to net income (ytd only)* | 28.1623% | 2,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1672% | 2,389 |
| Loan loss allowance to noncurrent loans | 102.2843% | 2,990 |
| Noncurrent assets plus other real estate owned to assets | 0.8946% | 762 |
| Noncurrent loans to loans | 1.1411% | 871 |
| Net loans and leases to total assets | 77.4900% | 926 |
| Net loans and leases to deposits | 85.8231% | 1,658 |
| Net loans and leases to core deposits | 89.5763% | 2,170 |
| Total domestic deposits to total assets | 90.2900% | 513 |
| Equity capital to assets | 9.5232% | 2,648 |
| Core capital (leverage) ratio | 10.7664% | 2,198 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $44,121,250 | 4,295 |
| Average earning assets | $42,281,750 | 4,263 |
| Average equity | $3,919,750 | 4,339 |
| Average total loans | $35,248,250 | 4,039 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0260% | 1,128 |
| Cost of funding earning assets | 1.3323% | 3,573 |
| Net interest margin | 4.6937% | 498 |
| Noninterest income to average assets | 0.2500% | 3,346 |
| Noninterest expense to average assets | 3.3433% | 690 |
| Loan and lease loss provision to assets | 0.1100% | 1,067 |
| Net operating income to assets | 1.3138% | 1,233 |
| Return on assets (ROA) | 1.3138% | 1,248 |
| Pretax return on assets | 1.3138% | 1,665 |
| Return on Equity (ROE) | 15.1500% | 958 |
| Retained earnings to average equity (ytd only) | 11.4933% | 608 |
| Net charge-offs to loans | 0.0676% | 1,096 |
| Credit loss provision to net charge-offs | 208.3333% | 993 |
| Earnings coverage of net charge-offs (x) | 26.2500% | 1,467 |
| Efficiency ratio | 70.0855% | 2,105 |
| Assets per employee ($millions) | 4.8986% | 3,688 |
| Cash dividends to net income (ytd only)* | 24.1379% | 2,382 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0241% | 3,151 |
| Loan loss allowance to noncurrent loans | 32.8659% | 3,706 |
| Noncurrent assets plus other real estate owned to assets | 2.5881% | 92 |
| Noncurrent loans to loans | 3.1161% | 173 |
| Net loans and leases to total assets | 82.2000% | 460 |
| Net loans and leases to deposits | 90.4758% | 1,265 |
| Net loans and leases to core deposits | 94.2598% | 1,845 |
| Total domestic deposits to total assets | 90.8600% | 491 |
| Equity capital to assets | 8.9255% | 2,792 |
| Core capital (leverage) ratio | 10.3001% | 2,551 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $44,148,333 | 4,320 |
| Average earning assets | $42,482,667 | 4,282 |
| Average equity | $3,828,333 | 4,355 |
| Average total loans | $35,488,333 | 4,055 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6786% | 1,499 |
| Cost of funding earning assets | 1.3047% | 3,553 |
| Net interest margin | 4.3739% | 692 |
| Noninterest income to average assets | 0.2700% | 3,153 |
| Noninterest expense to average assets | 3.1961% | 838 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 1.2947% | 1,246 |
| Return on assets (ROA) | 1.2947% | 1,253 |
| Pretax return on assets | 1.2947% | 1,654 |
| Return on Equity (ROE) | 15.1500% | 971 |
| Retained earnings to average equity (ytd only) | 15.1523% | 421 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 71.1694% | 2,023 |
| Assets per employee ($millions) | 4.8214% | 3,762 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0053% | 3,273 |
| Loan loss allowance to noncurrent loans | 26.3464% | 3,763 |
| Noncurrent assets plus other real estate owned to assets | 3.1664% | 70 |
| Noncurrent loans to loans | 3.8156% | 104 |
| Net loans and leases to total assets | 82.1500% | 404 |
| Net loans and leases to deposits | 90.2481% | 1,181 |
| Net loans and leases to core deposits | 95.0816% | 1,699 |
| Total domestic deposits to total assets | 91.0300% | 520 |
| Equity capital to assets | 8.7963% | 2,815 |
| Core capital (leverage) ratio | 10.2941% | 2,499 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $44,179,000 | 4,347 |
| Average earning assets | $42,616,000 | 4,307 |
| Average equity | $3,775,000 | 4,380 |
| Average total loans | $34,924,500 | 4,073 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3494% | 1,398 |
| Cost of funding earning assets | 0.9804% | 3,338 |
| Net interest margin | 4.3690% | 736 |
| Noninterest income to average assets | 0.2700% | 3,317 |
| Noninterest expense to average assets | 3.0265% | 1,090 |
| Loan and lease loss provision to assets | 0.0500% | 2,105 |
| Net operating income to assets | 1.3790% | 1,253 |
| Return on assets (ROA) | 1.3790% | 1,223 |
| Pretax return on assets | 1.3790% | 1,683 |
| Return on Equity (ROE) | 16.8900% | 966 |
| Retained earnings to average equity (ytd only) | 7.5868% | 1,672 |
| Net charge-offs to loans | -0.0178% | 4,127 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 67.8847% | 2,124 |
| Assets per employee ($millions) | 4.9961% | 3,637 |
| Cash dividends to net income (ytd only)* | 55.0749% | 1,400 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0668% | 2,996 |
| Loan loss allowance to noncurrent loans | 372.1649% | 1,757 |
| Noncurrent assets plus other real estate owned to assets | 0.2157% | 2,147 |
| Noncurrent loans to loans | 0.2867% | 2,149 |
| Net loans and leases to total assets | 74.4500% | 1,299 |
| Net loans and leases to deposits | 81.3877% | 1,998 |
| Net loans and leases to core deposits | 83.5926% | 2,486 |
| Total domestic deposits to total assets | 91.4800% | 396 |
| Equity capital to assets | 8.3020% | 3,198 |
| Core capital (leverage) ratio | 9.3471% | 3,384 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $43,582,400 | 4,366 |
| Average earning assets | $41,817,600 | 4,326 |
| Average equity | $3,558,800 | 4,384 |
| Average total loans | $33,745,800 | 4,085 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1101% | 1,617 |
| Cost of funding earning assets | 0.8141% | 3,486 |
| Net interest margin | 4.2959% | 805 |
| Noninterest income to average assets | 0.2600% | 3,384 |
| Noninterest expense to average assets | 2.9049% | 1,222 |
| Loan and lease loss provision to assets | 0.0600% | 1,749 |
| Net operating income to assets | 1.4062% | 1,305 |
| Return on assets (ROA) | 1.4062% | 1,292 |
| Pretax return on assets | 1.4062% | 1,766 |
| Return on Equity (ROE) | 17.3000% | 1,032 |
| Retained earnings to average equity (ytd only) | 12.2131% | 937 |
| Net charge-offs to loans | -0.0198% | 4,129 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 66.4316% | 2,228 |
| Assets per employee ($millions) | 4.9268% | 3,654 |
| Cash dividends to net income (ytd only)* | 29.3860% | 2,090 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0268% | 3,223 |
| Loan loss allowance to noncurrent loans | 361.6162% | 1,789 |
| Noncurrent assets plus other real estate owned to assets | 0.2233% | 2,150 |
| Noncurrent loans to loans | 0.2839% | 2,219 |
| Net loans and leases to total assets | 77.8200% | 905 |
| Net loans and leases to deposits | 84.6905% | 1,675 |
| Net loans and leases to core deposits | 91.4628% | 1,836 |
| Total domestic deposits to total assets | 91.8900% | 472 |
| Equity capital to assets | 7.9317% | 3,099 |
| Core capital (leverage) ratio | 10.0977% | 2,732 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $43,236,750 | 4,385 |
| Average earning assets | $41,433,500 | 4,353 |
| Average equity | $3,515,250 | 4,406 |
| Average total loans | $33,722,500 | 4,104 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9671% | 1,612 |
| Cost of funding earning assets | 0.4821% | 4,016 |
| Net interest margin | 4.4850% | 620 |
| Noninterest income to average assets | 0.2600% | 3,340 |
| Noninterest expense to average assets | 2.9905% | 1,059 |
| Loan and lease loss provision to assets | 0.0700% | 1,542 |
| Net operating income to assets | 1.4976% | 1,103 |
| Return on assets (ROA) | 1.4976% | 1,103 |
| Pretax return on assets | 1.4976% | 1,602 |
| Return on Equity (ROE) | 18.2700% | 920 |
| Retained earnings to average equity (ytd only) | 13.9985% | 678 |
| Net charge-offs to loans | -0.0300% | 4,241 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 65.6090% | 2,304 |
| Assets per employee ($millions) | 5.3155% | 3,312 |
| Cash dividends to net income (ytd only)* | 23.3645% | 2,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0157% | 3,359 |
| Loan loss allowance to noncurrent loans | 352.0000% | 1,955 |
| Noncurrent assets plus other real estate owned to assets | 0.2352% | 2,013 |
| Noncurrent loans to loans | 0.2886% | 2,103 |
| Net loans and leases to total assets | 80.6700% | 561 |
| Net loans and leases to deposits | 93.0530% | 948 |
| Net loans and leases to core deposits | 94.4727% | 1,549 |
| Total domestic deposits to total assets | 86.6900% | 2,030 |
| Equity capital to assets | 8.4893% | 2,873 |
| Core capital (leverage) ratio | 10.2969% | 2,487 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $42,868,667 | 4,410 |
| Average earning assets | $41,070,000 | 4,378 |
| Average equity | $3,514,667 | 4,436 |
| Average total loans | $33,341,333 | 4,121 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6820% | 1,895 |
| Cost of funding earning assets | 0.1551% | 4,449 |
| Net interest margin | 4.5269% | 564 |
| Noninterest income to average assets | 0.3100% | 2,990 |
| Noninterest expense to average assets | 3.0483% | 996 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.5985% | 981 |
| Return on assets (ROA) | 1.5985% | 978 |
| Pretax return on assets | 1.5985% | 1,464 |
| Return on Equity (ROE) | 19.8400% | 789 |
| Retained earnings to average equity (ytd only) | 19.8442% | 390 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 65.6000% | 2,257 |
| Assets per employee ($millions) | 4.2619% | 4,140 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9995% | 3,522 |
| Loan loss allowance to noncurrent loans | 114.4330% | 3,245 |
| Noncurrent assets plus other real estate owned to assets | 0.6828% | 722 |
| Noncurrent loans to loans | 0.8735% | 866 |
| Net loans and leases to total assets | 77.3900% | 832 |
| Net loans and leases to deposits | 84.7304% | 1,451 |
| Net loans and leases to core deposits | 86.3972% | 1,841 |
| Total domestic deposits to total assets | 91.3400% | 692 |
| Equity capital to assets | 8.5338% | 2,863 |
| Core capital (leverage) ratio | 10.4686% | 2,261 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $43,041,000 | 4,477 |
| Average earning assets | $41,264,000 | 4,443 |
| Average equity | $3,467,000 | 4,501 |
| Average total loans | $32,684,000 | 4,188 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6938% | 520 |
| Cost of funding earning assets | 0.0551% | 4,563 |
| Net interest margin | 4.6386% | 231 |
| Noninterest income to average assets | 0.2400% | 3,705 |
| Noninterest expense to average assets | 2.9934% | 976 |
| Loan and lease loss provision to assets | 0.1600% | 727 |
| Net operating income to assets | 1.3594% | 1,247 |
| Return on assets (ROA) | 1.3594% | 1,204 |
| Pretax return on assets | 1.3594% | 1,906 |
| Return on Equity (ROE) | 16.9200% | 876 |
| Retained earnings to average equity (ytd only) | 9.1906% | 1,425 |
| Net charge-offs to loans | 0.0363% | 1,363 |
| Credit loss provision to net charge-offs | 636.3636% | 576 |
| Earnings coverage of net charge-offs (x) | 59.9091% | 1,258 |
| Efficiency ratio | 66.3088% | 2,185 |
| Assets per employee ($millions) | 6.2090% | 2,584 |
| Cash dividends to net income (ytd only)* | 45.6706% | 1,609 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0389% | 3,158 |
| Loan loss allowance to noncurrent loans | 323.3010% | 2,110 |
| Noncurrent assets plus other real estate owned to assets | 0.2370% | 1,962 |
| Noncurrent loans to loans | 0.3214% | 1,998 |
| Net loans and leases to total assets | 72.9800% | 1,315 |
| Net loans and leases to deposits | 79.0564% | 1,840 |
| Net loans and leases to core deposits | 79.0564% | 2,195 |
| Total domestic deposits to total assets | 92.3100% | 559 |
| Equity capital to assets | 7.5858% | 3,337 |
| Core capital (leverage) ratio | 9.1614% | 3,527 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $43,329,000 | 4,499 |
| Average earning assets | $39,904,000 | 4,479 |
| Average equity | $3,481,800 | 4,572 |
| Average total loans | $30,281,200 | 4,236 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3219% | 695 |
| Cost of funding earning assets | 0.0506% | 4,577 |
| Net interest margin | 4.2713% | 355 |
| Noninterest income to average assets | 0.2400% | 3,728 |
| Noninterest expense to average assets | 2.7931% | 1,265 |
| Loan and lease loss provision to assets | 0.0300% | 2,122 |
| Net operating income to assets | 1.3211% | 1,288 |
| Return on assets (ROA) | 1.3211% | 1,260 |
| Pretax return on assets | 1.3211% | 1,976 |
| Return on Equity (ROE) | 16.2100% | 937 |
| Retained earnings to average equity (ytd only) | 13.4917% | 544 |
| Net charge-offs to loans | 0.0492% | 992 |
| Credit loss provision to net charge-offs | 90.9091% | 1,372 |
| Earnings coverage of net charge-offs (x) | 39.9091% | 1,390 |
| Efficiency ratio | 67.3848% | 2,103 |
| Assets per employee ($millions) | 3.9041% | 4,360 |
| Cash dividends to net income (ytd only)* | 16.7832% | 2,602 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8747% | 3,934 |
| Loan loss allowance to noncurrent loans | 260.0000% | 2,365 |
| Noncurrent assets plus other real estate owned to assets | 0.2445% | 2,001 |
| Noncurrent loans to loans | 0.3364% | 2,022 |
| Net loans and leases to total assets | 72.0400% | 1,296 |
| Net loans and leases to deposits | 78.0508% | 1,699 |
| Net loans and leases to core deposits | 78.0508% | 2,038 |
| Total domestic deposits to total assets | 92.3000% | 781 |
| Equity capital to assets | 7.6633% | 3,116 |
| Core capital (leverage) ratio | 9.4924% | 3,080 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $43,295,500 | 4,532 |
| Average earning assets | $39,549,500 | 4,517 |
| Average equity | $3,528,000 | 4,611 |
| Average total loans | $29,838,500 | 4,268 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2391% | 581 |
| Cost of funding earning assets | 0.0564% | 4,553 |
| Net interest margin | 4.1827% | 349 |
| Noninterest income to average assets | 0.2534% | 3,650 |
| Noninterest expense to average assets | 2.5799% | 1,698 |
| Loan and lease loss provision to assets | 0.0461% | 1,744 |
| Net operating income to assets | 1.3867% | 935 |
| Return on assets (ROA) | 1.3867% | 912 |
| Pretax return on assets | 1.3867% | 1,478 |
| Return on Equity (ROE) | 16.6898% | 605 |
| Retained earnings to average equity (ytd only) | 12.6975% | 505 |
| Net charge-offs to loans | 0.0749% | 711 |
| Credit loss provision to net charge-offs | 90.9091% | 1,335 |
| Earnings coverage of net charge-offs (x) | 28.2727% | 1,415 |
| Efficiency ratio | 64.2939% | 2,738 |
| Assets per employee ($millions) | 4.7523% | 3,890 |
| Cash dividends to net income (ytd only)* | 23.9203% | 2,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9042% | 3,941 |
| Loan loss allowance to noncurrent loans | 256.6038% | 2,351 |
| Noncurrent assets plus other real estate owned to assets | 0.2478% | 2,082 |
| Noncurrent loans to loans | 0.3524% | 2,089 |
| Net loans and leases to total assets | 69.6991% | 1,320 |
| Net loans and leases to deposits | 75.7124% | 1,704 |
| Net loans and leases to core deposits | 75.7124% | 2,042 |
| Total domestic deposits to total assets | 92.0577% | 811 |
| Equity capital to assets | 7.8885% | 3,211 |
| Core capital (leverage) ratio | 9.1963% | 3,239 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $43,412,333 | 4,577 |
| Average earning assets | $39,018,000 | 4,579 |
| Average equity | $3,607,000 | 4,642 |
| Average total loans | $29,381,333 | 4,326 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1846% | 538 |
| Cost of funding earning assets | 0.0625% | 4,512 |
| Net interest margin | 4.1221% | 323 |
| Noninterest income to average assets | 0.2744% | 3,496 |
| Noninterest expense to average assets | 2.6250% | 1,537 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.2714% | 1,069 |
| Return on assets (ROA) | 1.2714% | 1,062 |
| Pretax return on assets | 1.2714% | 1,593 |
| Return on Equity (ROE) | 14.9322% | 663 |
| Retained earnings to average equity (ytd only) | 14.9322% | 292 |
| Net charge-offs to loans | -0.0965% | 4,448 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3709% | 2,583 |
| Assets per employee ($millions) | 5.4340% | 3,362 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9620% | 3,872 |
| Loan loss allowance to noncurrent loans | 154.3956% | 2,931 |
| Noncurrent assets plus other real estate owned to assets | 0.4187% | 1,449 |
| Noncurrent loans to loans | 0.6231% | 1,505 |
| Net loans and leases to total assets | 66.5463% | 1,360 |
| Net loans and leases to deposits | 72.6367% | 1,736 |
| Net loans and leases to core deposits | 73.5209% | 1,973 |
| Total domestic deposits to total assets | 91.6153% | 745 |
| Equity capital to assets | 8.3341% | 3,294 |
| Core capital (leverage) ratio | 9.0785% | 3,279 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $43,733,000 | 4,600 |
| Average earning assets | $38,427,000 | 4,609 |
| Average equity | $3,723,500 | 4,674 |
| Average total loans | $29,030,500 | 4,353 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1074% | 229 |
| Cost of funding earning assets | 0.0669% | 4,603 |
| Net interest margin | 5.0405% | 135 |
| Noninterest income to average assets | 0.2572% | 3,836 |
| Noninterest expense to average assets | 2.6948% | 1,649 |
| Loan and lease loss provision to assets | 0.2431% | 393 |
| Net operating income to assets | 1.4088% | 1,248 |
| Return on assets (ROA) | 1.4088% | 1,309 |
| Pretax return on assets | 1.4088% | 2,025 |
| Return on Equity (ROE) | 15.7395% | 797 |
| Retained earnings to average equity (ytd only) | 8.9375% | 1,222 |
| Net charge-offs to loans | 0.1689% | 566 |
| Credit loss provision to net charge-offs | 228.8889% | 1,223 |
| Earnings coverage of net charge-offs (x) | 15.5556% | 1,999 |
| Efficiency ratio | 61.9978% | 2,868 |
| Assets per employee ($millions) | 5.4993% | 3,259 |
| Cash dividends to net income (ytd only)* | 43.2161% | 1,859 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9497% | 3,934 |
| Loan loss allowance to noncurrent loans | 141.2371% | 3,044 |
| Noncurrent assets plus other real estate owned to assets | 0.4410% | 1,495 |
| Noncurrent loans to loans | 0.6724% | 1,488 |
| Net loans and leases to total assets | 64.9566% | 1,587 |
| Net loans and leases to deposits | 71.2004% | 1,994 |
| Net loans and leases to core deposits | 72.0604% | 2,251 |
| Total domestic deposits to total assets | 91.2306% | 411 |
| Equity capital to assets | 8.6921% | 3,893 |
| Core capital (leverage) ratio | 8.7700% | 3,647 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $42,377,400 | 4,639 |
| Average earning assets | $34,381,600 | 4,674 |
| Average equity | $3,793,000 | 4,721 |
| Average total loans | $26,650,200 | 4,443 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3977% | 811 |
| Cost of funding earning assets | 0.0707% | 4,690 |
| Net interest margin | 4.3270% | 428 |
| Noninterest income to average assets | 0.9593% | 1,136 |
| Noninterest expense to average assets | 2.5825% | 1,890 |
| Loan and lease loss provision to assets | 0.1906% | 553 |
| Net operating income to assets | 1.6867% | 853 |
| Return on assets (ROA) | 1.6867% | 897 |
| Pretax return on assets | 1.6867% | 1,436 |
| Return on Equity (ROE) | 18.7037% | 546 |
| Retained earnings to average equity (ytd only) | 11.7999% | 877 |
| Net charge-offs to loans | 0.0817% | 855 |
| Credit loss provision to net charge-offs | 375.0000% | 894 |
| Earnings coverage of net charge-offs (x) | 36.9375% | 1,417 |
| Efficiency ratio | 57.9060% | 3,271 |
| Assets per employee ($millions) | 4.8761% | 3,814 |
| Cash dividends to net income (ytd only)* | 36.9115% | 1,755 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9246% | 4,091 |
| Loan loss allowance to noncurrent loans | 111.6379% | 3,284 |
| Noncurrent assets plus other real estate owned to assets | 0.5947% | 1,286 |
| Noncurrent loans to loans | 0.8282% | 1,379 |
| Net loans and leases to total assets | 71.1477% | 968 |
| Net loans and leases to deposits | 79.1253% | 1,370 |
| Net loans and leases to core deposits | 80.8165% | 1,669 |
| Total domestic deposits to total assets | 89.9177% | 807 |
| Equity capital to assets | 9.9772% | 2,928 |
| Core capital (leverage) ratio | 9.0430% | 3,502 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $41,973,250 | 4,710 |
| Average earning assets | $33,956,500 | 4,749 |
| Average equity | $3,785,250 | 4,789 |
| Average total loans | $26,100,000 | 4,512 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3197% | 973 |
| Cost of funding earning assets | 0.0720% | 4,732 |
| Net interest margin | 4.2477% | 538 |
| Noninterest income to average assets | 1.2244% | 777 |
| Noninterest expense to average assets | 2.4627% | 2,263 |
| Loan and lease loss provision to assets | 0.0233% | 2,507 |
| Net operating income to assets | 2.0344% | 463 |
| Return on assets (ROA) | 2.0344% | 487 |
| Pretax return on assets | 2.0344% | 782 |
| Return on Equity (ROE) | 23.3087% | 246 |
| Retained earnings to average equity (ytd only) | 16.5348% | 305 |
| Net charge-offs to loans | 0.1257% | 621 |
| Credit loss provision to net charge-offs | 31.2500% | 1,694 |
| Earnings coverage of net charge-offs (x) | 27.6250% | 1,357 |
| Efficiency ratio | 54.4799% | 3,742 |
| Assets per employee ($millions) | 5.0760% | 3,589 |
| Cash dividends to net income (ytd only)* | 29.0618% | 2,092 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7567% | 4,439 |
| Loan loss allowance to noncurrent loans | 80.7087% | 3,577 |
| Noncurrent assets plus other real estate owned to assets | 0.5560% | 1,501 |
| Noncurrent loans to loans | 0.9375% | 1,316 |
| Net loans and leases to total assets | 58.8565% | 2,557 |
| Net loans and leases to deposits | 64.3500% | 2,961 |
| Net loans and leases to core deposits | 65.5006% | 3,158 |
| Total domestic deposits to total assets | 91.4631% | 237 |
| Equity capital to assets | 8.4581% | 4,235 |
| Core capital (leverage) ratio | 8.9064% | 3,569 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $42,961,333 | 4,730 |
| Average earning assets | $33,335,667 | 4,787 |
| Average equity | $3,749,667 | 4,823 |
| Average total loans | $25,462,333 | 4,558 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3931% | 924 |
| Cost of funding earning assets | 0.0993% | 4,650 |
| Net interest margin | 4.2938% | 522 |
| Noninterest income to average assets | 1.2212% | 825 |
| Noninterest expense to average assets | 2.6635% | 1,706 |
| Loan and lease loss provision to assets | 0.0481% | 2,120 |
| Net operating income to assets | 1.8365% | 737 |
| Return on assets (ROA) | 1.8365% | 791 |
| Pretax return on assets | 1.8365% | 1,225 |
| Return on Equity (ROE) | 20.6906% | 489 |
| Retained earnings to average equity (ytd only) | 20.6906% | 247 |
| Net charge-offs to loans | -0.0162% | 3,893 |
| Credit loss provision to net charge-offs | -500.0000% | 3,167 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.5624% | 3,225 |
| Assets per employee ($millions) | 5.2458% | 3,385 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8811% | 4,207 |
| Loan loss allowance to noncurrent loans | 84.3511% | 3,543 |
| Noncurrent assets plus other real estate owned to assets | 0.6243% | 1,525 |
| Noncurrent loans to loans | 1.0445% | 1,288 |
| Net loans and leases to total assets | 59.2432% | 2,640 |
| Net loans and leases to deposits | 65.1315% | 3,011 |
| Net loans and leases to core deposits | 66.4067% | 3,208 |
| Total domestic deposits to total assets | 90.9593% | 410 |
| Equity capital to assets | 8.9596% | 3,726 |
| Core capital (leverage) ratio | 8.8695% | 3,735 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $41,600,000 | 4,767 |
| Average earning assets | $32,232,500 | 4,817 |
| Average equity | $3,692,500 | 4,853 |
| Average total loans | $24,647,000 | 4,600 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7149% | 867 |
| Cost of funding earning assets | 0.2577% | 4,347 |
| Net interest margin | 4.4572% | 354 |
| Noninterest income to average assets | 0.4319% | 2,952 |
| Noninterest expense to average assets | 2.9826% | 1,470 |
| Loan and lease loss provision to assets | 0.0486% | 3,786 |
| Net operating income to assets | 1.1823% | 1,609 |
| Return on assets (ROA) | 1.1823% | 1,721 |
| Pretax return on assets | 1.1823% | 2,394 |
| Return on Equity (ROE) | 12.4545% | 1,193 |
| Retained earnings to average equity (ytd only) | 6.1988% | 1,709 |
| Net charge-offs to loans | -0.0044% | 4,097 |
| Credit loss provision to net charge-offs | -1,800.0000% | 4,166 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7880% | 1,835 |
| Assets per employee ($millions) | 5.1543% | 3,223 |
| Cash dividends to net income (ytd only)* | 50.2283% | 1,820 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8922% | 4,204 |
| Loan loss allowance to noncurrent loans | 73.9726% | 3,684 |
| Noncurrent assets plus other real estate owned to assets | 0.7082% | 1,470 |
| Noncurrent loans to loans | 1.2061% | 1,159 |
| Net loans and leases to total assets | 58.1923% | 3,063 |
| Net loans and leases to deposits | 63.8657% | 3,451 |
| Net loans and leases to core deposits | 65.1365% | 3,622 |
| Total domestic deposits to total assets | 91.1166% | 200 |
| Equity capital to assets | 8.7913% | 4,229 |
| Core capital (leverage) ratio | 9.2290% | 3,406 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8928% | 1,567 |
| Memoranda: | ||
| Average total assets | $37,047,800 | 4,807 |
| Average earning assets | $31,432,400 | 4,828 |
| Average equity | $3,516,800 | 4,879 |
| Average total loans | $22,912,000 | 4,663 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7858% | 901 |
| Cost of funding earning assets | 0.3039% | 4,299 |
| Net interest margin | 4.4819% | 396 |
| Noninterest income to average assets | 0.5111% | 2,561 |
| Noninterest expense to average assets | 3.0628% | 1,309 |
| Loan and lease loss provision to assets | 0.0472% | 3,769 |
| Net operating income to assets | 1.3333% | 1,276 |
| Return on assets (ROA) | 1.3333% | 1,366 |
| Pretax return on assets | 1.3333% | 1,927 |
| Return on Equity (ROE) | 13.7542% | 930 |
| Retained earnings to average equity (ytd only) | 8.4818% | 1,146 |
| Net charge-offs to loans | -0.0059% | 4,088 |
| Credit loss provision to net charge-offs | -1,300.0000% | 3,980 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9167% | 2,057 |
| Assets per employee ($millions) | 4.8110% | 3,478 |
| Cash dividends to net income (ytd only)* | 38.3333% | 1,999 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8647% | 4,179 |
| Loan loss allowance to noncurrent loans | 44.9679% | 4,105 |
| Noncurrent assets plus other real estate owned to assets | 1.2134% | 818 |
| Noncurrent loans to loans | 1.9228% | 653 |
| Net loans and leases to total assets | 62.5572% | 2,939 |
| Net loans and leases to deposits | 69.1888% | 3,384 |
| Net loans and leases to core deposits | 70.6651% | 3,577 |
| Total domestic deposits to total assets | 90.4152% | 305 |
| Equity capital to assets | 9.4835% | 3,697 |
| Core capital (leverage) ratio | 9.6235% | 3,134 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $36,001,250 | 4,847 |
| Average earning assets | $31,592,750 | 4,857 |
| Average equity | $3,489,750 | 4,909 |
| Average total loans | $22,587,250 | 4,694 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6341% | 1,578 |
| Cost of funding earning assets | 0.3862% | 4,102 |
| Net interest margin | 4.2479% | 829 |
| Noninterest income to average assets | 0.6141% | 2,080 |
| Noninterest expense to average assets | 3.4175% | 832 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.0122% | 2,279 |
| Return on assets (ROA) | 1.0122% | 2,402 |
| Pretax return on assets | 1.0122% | 2,988 |
| Return on Equity (ROE) | 10.3599% | 1,862 |
| Retained earnings to average equity (ytd only) | 10.3599% | 723 |
| Net charge-offs to loans | -0.0091% | 4,181 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1502% | 1,141 |
| Assets per employee ($millions) | 5.9583% | 2,219 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8735% | 4,110 |
| Loan loss allowance to noncurrent loans | 42.9194% | 4,180 |
| Noncurrent assets plus other real estate owned to assets | 1.2839% | 818 |
| Noncurrent loans to loans | 2.0352% | 655 |
| Net loans and leases to total assets | 62.5343% | 3,065 |
| Net loans and leases to deposits | 69.6492% | 3,443 |
| Net loans and leases to core deposits | 71.2633% | 3,628 |
| Total domestic deposits to total assets | 89.7846% | 464 |
| Equity capital to assets | 10.1287% | 3,087 |
| Core capital (leverage) ratio | 9.6533% | 3,184 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4998% | 1,366 |
| Memoranda: | ||
| Average total assets | $35,172,333 | 4,879 |
| Average earning assets | $31,592,000 | 4,881 |
| Average equity | $3,436,333 | 4,943 |
| Average total loans | $22,020,667 | 4,732 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8865% | 1,224 |
| Cost of funding earning assets | 0.7604% | 2,608 |
| Net interest margin | 4.1261% | 1,084 |
| Noninterest income to average assets | 0.3669% | 3,317 |
| Noninterest expense to average assets | 3.1304% | 1,566 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.0320% | 2,069 |
| Return on assets (ROA) | 1.0320% | 2,168 |
| Pretax return on assets | 1.0320% | 2,730 |
| Return on Equity (ROE) | 10.7656% | 1,487 |
| Retained earnings to average equity (ytd only) | 10.7656% | 608 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.2066% | 1,660 |
| Assets per employee ($millions) | 4.5856% | 3,145 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9046% | 4,090 |
| Loan loss allowance to noncurrent loans | 42.6407% | 4,205 |
| Noncurrent assets plus other real estate owned to assets | 1.4393% | 766 |
| Noncurrent loans to loans | 2.1214% | 640 |
| Net loans and leases to total assets | 67.2326% | 2,663 |
| Net loans and leases to deposits | 75.4607% | 3,125 |
| Net loans and leases to core deposits | 75.4607% | 3,531 |
| Total domestic deposits to total assets | 89.0962% | 620 |
| Equity capital to assets | 10.8259% | 3,021 |
| Core capital (leverage) ratio | 9.3614% | 4,126 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $34,883,500 | 4,913 |
| Average earning assets | $32,088,500 | 4,902 |
| Average equity | $3,344,000 | 4,997 |
| Average total loans | $21,754,500 | 4,769 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4701% | 3,040 |
| Cost of funding earning assets | 0.4461% | 4,282 |
| Net interest margin | 4.0240% | 1,776 |
| Noninterest income to average assets | 0.3813% | 3,408 |
| Noninterest expense to average assets | 2.8328% | 2,496 |
| Loan and lease loss provision to assets | 0.1525% | 1,389 |
| Net operating income to assets | 0.4876% | 4,430 |
| Return on assets (ROA) | 0.4876% | 4,481 |
| Pretax return on assets | 1.0814% | 3,230 |
| Return on Equity (ROE) | 5.6478% | 4,021 |
| Retained earnings to average equity (ytd only) | -4.7643% | 4,973 |
| Net charge-offs to loans | 0.4579% | 406 |
| Credit loss provision to net charge-offs | 58.3333% | 3,057 |
| Earnings coverage of net charge-offs (x) | 4.7188% | 3,178 |
| Efficiency ratio | 69.6584% | 2,230 |
| Assets per employee ($millions) | 6.2780% | 1,433 |
| Cash dividends to net income (ytd only)* | 184.3575% | 78 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9065% | 3,932 |
| Loan loss allowance to noncurrent loans | 40.5350% | 4,256 |
| Noncurrent assets plus other real estate owned to assets | 1.2902% | 864 |
| Noncurrent loans to loans | 2.2364% | 548 |
| Net loans and leases to total assets | 57.1679% | 3,834 |
| Net loans and leases to deposits | 68.4989% | 3,775 |
| Net loans and leases to core deposits | 68.4989% | 4,051 |
| Total domestic deposits to total assets | 83.4581% | 3,044 |
| Equity capital to assets | 8.5298% | 4,899 |
| Core capital (leverage) ratio | 8.6696% | 4,742 |
| Tier 1 risk-based capital ratio | 14.3564% | 3,089 |
| Total risk-based capital ratio | 15.2585% | 3,177 |
| Memoranda: | ||
| Average total assets | $36,713,000 | 4,945 |
| Average earning assets | $33,623,200 | 4,937 |
| Average equity | $3,169,400 | 5,064 |
| Average total loans | $20,965,200 | 4,839 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4104% | 3,314 |
| Cost of funding earning assets | 0.4962% | 4,152 |
| Net interest margin | 3.9142% | 2,206 |
| Noninterest income to average assets | 0.4094% | 3,261 |
| Noninterest expense to average assets | 2.9573% | 2,088 |
| Loan and lease loss provision to assets | 0.1097% | 1,773 |
| Net operating income to assets | 0.9468% | 3,179 |
| Return on assets (ROA) | 0.9468% | 3,253 |
| Pretax return on assets | 0.9468% | 3,746 |
| Return on Equity (ROE) | 10.9330% | 2,043 |
| Retained earnings to average equity (ytd only) | 4.0947% | 3,350 |
| Net charge-offs to loans | -0.0193% | 4,577 |
| Credit loss provision to net charge-offs | -1,000.0000% | 4,420 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6794% | 1,619 |
| Assets per employee ($millions) | 5.8992% | 1,672 |
| Cash dividends to net income (ytd only)* | 62.5478% | 1,195 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2352% | 2,310 |
| Loan loss allowance to noncurrent loans | 38.7050% | 4,375 |
| Noncurrent assets plus other real estate owned to assets | 2.0342% | 425 |
| Noncurrent loans to loans | 3.1914% | 289 |
| Net loans and leases to total assets | 60.7656% | 3,614 |
| Net loans and leases to deposits | 74.0353% | 3,469 |
| Net loans and leases to core deposits | 74.0353% | 3,826 |
| Total domestic deposits to total assets | 82.0766% | 3,456 |
| Equity capital to assets | 9.3799% | 4,542 |
| Core capital (leverage) ratio | 9.3188% | 4,353 |
| Tier 1 risk-based capital ratio | 15.0811% | 2,811 |
| Total risk-based capital ratio | 16.2792% | 2,765 |
| Memoranda: | ||
| Average total assets | $36,474,250 | 5,020 |
| Average earning assets | $33,586,250 | 5,012 |
| Average equity | $3,158,500 | 5,140 |
| Average total loans | $20,773,750 | 4,919 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3652% | 3,436 |
| Cost of funding earning assets | 0.5530% | 3,868 |
| Net interest margin | 3.8122% | 2,548 |
| Noninterest income to average assets | 0.4561% | 2,927 |
| Noninterest expense to average assets | 2.7963% | 2,601 |
| Loan and lease loss provision to assets | 0.1629% | 1,115 |
| Net operating income to assets | 1.0154% | 2,861 |
| Return on assets (ROA) | 1.0154% | 2,941 |
| Pretax return on assets | 1.0154% | 3,489 |
| Return on Equity (ROE) | 12.0464% | 1,563 |
| Retained earnings to average equity (ytd only) | 1.6105% | 4,243 |
| Net charge-offs to loans | -0.0098% | 4,317 |
| Credit loss provision to net charge-offs | -3,000.0000% | 4,426 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.3552% | 2,168 |
| Assets per employee ($millions) | 4.4765% | 3,179 |
| Cash dividends to net income (ytd only)* | 86.6310% | 684 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3325% | 1,878 |
| Loan loss allowance to noncurrent loans | 56.9002% | 4,065 |
| Noncurrent assets plus other real estate owned to assets | 1.4688% | 774 |
| Noncurrent loans to loans | 2.3419% | 549 |
| Net loans and leases to total assets | 55.4116% | 4,113 |
| Net loans and leases to deposits | 66.3147% | 4,080 |
| Net loans and leases to core deposits | 66.3147% | 4,303 |
| Total domestic deposits to total assets | 83.5586% | 3,026 |
| Equity capital to assets | 9.0863% | 4,747 |
| Core capital (leverage) ratio | 9.0250% | 4,609 |
| Tier 1 risk-based capital ratio | 14.1382% | 3,248 |
| Total risk-based capital ratio | 15.2819% | 3,214 |
| Memoranda: | ||
| Average total assets | $36,834,000 | 5,056 |
| Average earning assets | $33,996,000 | 5,047 |
| Average equity | $3,104,670 | 5,183 |
| Average total loans | $20,439,330 | 4,969 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3328% | 3,451 |
| Cost of funding earning assets | 0.6091% | 3,516 |
| Net interest margin | 3.7237% | 2,804 |
| Noninterest income to average assets | 0.4284% | 2,988 |
| Noninterest expense to average assets | 2.9241% | 2,204 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.9747% | 2,951 |
| Return on assets (ROA) | 0.9747% | 2,993 |
| Pretax return on assets | 0.9747% | 3,521 |
| Return on Equity (ROE) | 12.0132% | 1,522 |
| Retained earnings to average equity (ytd only) | -9.3729% | 5,082 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.0000% | 1,608 |
| Assets per employee ($millions) | 4.5529% | 3,116 |
| Cash dividends to net income (ytd only)* | 178.0220% | 237 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1588% | 2,800 |
| Loan loss allowance to noncurrent loans | 41.9469% | 4,411 |
| Noncurrent assets plus other real estate owned to assets | 1.7022% | 649 |
| Noncurrent loans to loans | 2.7624% | 429 |
| Net loans and leases to total assets | 55.5034% | 4,097 |
| Net loans and leases to deposits | 65.9060% | 4,057 |
| Net loans and leases to core deposits | 75.7608% | 3,675 |
| Total domestic deposits to total assets | 84.2160% | 2,975 |
| Equity capital to assets | 8.3381% | 5,069 |
| Core capital (leverage) ratio | 8.5761% | 4,961 |
| Tier 1 risk-based capital ratio | 16.1396% | 2,377 |
| Total risk-based capital ratio | 17.3293% | 2,348 |
| Memoranda: | ||
| Average total assets | $37,345,000 | 5,100 |
| Average earning assets | $34,804,000 | 5,086 |
| Average equity | $3,030,000 | 5,240 |
| Average total loans | $20,603,000 | 5,024 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1569% | 3,561 |
| Cost of funding earning assets | 0.4197% | 3,864 |
| Net interest margin | 3.7372% | 2,909 |
| Noninterest income to average assets | 0.4332% | 3,219 |
| Noninterest expense to average assets | 2.7973% | 2,703 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.7843% | 3,860 |
| Return on assets (ROA) | 0.7843% | 3,861 |
| Pretax return on assets | 1.0900% | 3,313 |
| Return on Equity (ROE) | 9.5596% | 2,719 |
| Retained earnings to average equity (ytd only) | 3.0025% | 3,897 |
| Net charge-offs to loans | 0.1785% | 1,079 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 11.3235% | 2,633 |
| Efficiency ratio | 71.9592% | 1,904 |
| Assets per employee ($millions) | 4.7834% | 2,764 |
| Cash dividends to net income (ytd only)* | 68.5921% | 1,141 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1420% | 2,870 |
| Loan loss allowance to noncurrent loans | 46.9307% | 4,369 |
| Noncurrent assets plus other real estate owned to assets | 1.4634% | 807 |
| Noncurrent loans to loans | 2.4334% | 511 |
| Net loans and leases to total assets | 53.6128% | 4,310 |
| Net loans and leases to deposits | 63.0505% | 4,311 |
| Net loans and leases to core deposits | 71.8624% | 3,994 |
| Total domestic deposits to total assets | 85.0315% | 2,637 |
| Equity capital to assets | 7.8998% | 5,197 |
| Core capital (leverage) ratio | 9.3524% | 4,297 |
| Tier 1 risk-based capital ratio | 15.4566% | 2,644 |
| Total risk-based capital ratio | 16.5711% | 2,616 |
| Memoranda: | ||
| Average total assets | $35,320,200 | 5,170 |
| Average earning assets | $32,644,800 | 5,157 |
| Average equity | $2,897,600 | 5,287 |
| Average total loans | $19,049,000 | 5,098 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1019% | 3,622 |
| Cost of funding earning assets | 0.3338% | 4,288 |
| Net interest margin | 3.7681% | 2,761 |
| Noninterest income to average assets | 0.4434% | 3,214 |
| Noninterest expense to average assets | 2.8722% | 2,389 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.5629% | 4,608 |
| Return on assets (ROA) | 0.5629% | 4,615 |
| Pretax return on assets | 1.0525% | 3,570 |
| Return on Equity (ROE) | 6.7915% | 4,004 |
| Retained earnings to average equity (ytd only) | -2.0469% | 5,202 |
| Net charge-offs to loans | -0.0143% | 4,496 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1827% | 1,704 |
| Assets per employee ($millions) | 4.3798% | 3,308 |
| Cash dividends to net income (ytd only)* | 130.1397% | 116 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3528% | 1,869 |
| Loan loss allowance to noncurrent loans | 56.4315% | 4,273 |
| Noncurrent assets plus other real estate owned to assets | 1.5326% | 829 |
| Noncurrent loans to loans | 2.3972% | 561 |
| Net loans and leases to total assets | 56.6100% | 4,165 |
| Net loans and leases to deposits | 67.2852% | 4,105 |
| Net loans and leases to core deposits | 77.8179% | 3,675 |
| Total domestic deposits to total assets | 84.1344% | 2,899 |
| Equity capital to assets | 8.0170% | 5,171 |
| Core capital (leverage) ratio | 9.1251% | 4,595 |
| Tier 1 risk-based capital ratio | 14.6356% | 3,053 |
| Total risk-based capital ratio | 15.8835% | 2,976 |
| Memoranda: | ||
| Average total assets | $34,583,500 | 5,249 |
| Average earning assets | $31,952,000 | 5,235 |
| Average equity | $2,866,250 | 5,360 |
| Average total loans | $18,623,000 | 5,166 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9320% | 3,991 |
| Cost of funding earning assets | 0.2746% | 4,604 |
| Net interest margin | 3.6574% | 3,088 |
| Noninterest income to average assets | 0.4763% | 2,995 |
| Noninterest expense to average assets | 2.7068% | 2,993 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.6912% | 4,218 |
| Return on assets (ROA) | 0.6912% | 4,223 |
| Pretax return on assets | 1.1733% | 3,035 |
| Return on Equity (ROE) | 8.2486% | 3,392 |
| Retained earnings to average equity (ytd only) | -4.9214% | 5,286 |
| Net charge-offs to loans | -0.0110% | 4,346 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7605% | 2,359 |
| Assets per employee ($millions) | 5.1954% | 2,195 |
| Cash dividends to net income (ytd only)* | 159.6639% | 119 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4453% | 1,576 |
| Loan loss allowance to noncurrent loans | 55.3061% | 4,320 |
| Noncurrent assets plus other real estate owned to assets | 1.4986% | 890 |
| Noncurrent loans to loans | 2.6133% | 479 |
| Net loans and leases to total assets | 50.8112% | 4,560 |
| Net loans and leases to deposits | 55.2618% | 4,789 |
| Net loans and leases to core deposits | 67.8153% | 4,265 |
| Total domestic deposits to total assets | 91.9462% | 95 |
| Equity capital to assets | 7.7458% | 5,308 |
| Core capital (leverage) ratio | 9.1063% | 4,579 |
| Tier 1 risk-based capital ratio | 15.1536% | 2,802 |
| Total risk-based capital ratio | 16.4034% | 2,722 |
| Memoranda: | ||
| Average total assets | $34,432,000 | 5,318 |
| Average earning assets | $32,045,000 | 5,296 |
| Average equity | $2,885,330 | 5,421 |
| Average total loans | $18,128,330 | 5,236 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9496% | 3,787 |
| Cost of funding earning assets | 0.1406% | 5,306 |
| Net interest margin | 3.8090% | 2,391 |
| Noninterest income to average assets | 0.4901% | 2,869 |
| Noninterest expense to average assets | 2.8927% | 2,392 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.6574% | 4,252 |
| Return on assets (ROA) | 0.6574% | 4,261 |
| Pretax return on assets | 1.1595% | 2,937 |
| Return on Equity (ROE) | 7.5355% | 3,572 |
| Retained earnings to average equity (ytd only) | -18.4963% | 5,487 |
| Net charge-offs to loans | -0.0224% | 4,614 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.3864% | 2,282 |
| Assets per employee ($millions) | 4.0451% | 3,903 |
| Cash dividends to net income (ytd only)* | 345.4545% | 44 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5300% | 1,350 |
| Loan loss allowance to noncurrent loans | 134.1584% | 2,945 |
| Noncurrent assets plus other real estate owned to assets | 0.7942% | 1,987 |
| Noncurrent loans to loans | 1.1405% | 1,604 |
| Net loans and leases to total assets | 53.8951% | 4,295 |
| Net loans and leases to deposits | 59.6661% | 4,498 |
| Net loans and leases to core deposits | 64.5222% | 4,390 |
| Total domestic deposits to total assets | 90.3279% | 533 |
| Equity capital to assets | 8.6029% | 4,898 |
| Core capital (leverage) ratio | 9.0528% | 4,622 |
| Tier 1 risk-based capital ratio | 15.1463% | 2,808 |
| Total risk-based capital ratio | 16.3965% | 2,746 |
| Memoranda: | ||
| Average total assets | $33,464,000 | 5,387 |
| Average earning assets | $31,294,000 | 5,366 |
| Average equity | $2,919,500 | 5,474 |
| Average total loans | $17,817,500 | 5,302 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1731% | 2,798 |
| Cost of funding earning assets | 0.0976% | 5,506 |
| Net interest margin | 4.0755% | 1,519 |
| Noninterest income to average assets | 0.4987% | 3,010 |
| Noninterest expense to average assets | 3.1031% | 1,852 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.6519% | 3,811 |
| Return on assets (ROA) | 0.6519% | 3,849 |
| Pretax return on assets | 1.0724% | 3,289 |
| Return on Equity (ROE) | 6.6357% | 3,458 |
| Retained earnings to average equity (ytd only) | 3.2183% | 3,375 |
| Net charge-offs to loans | -0.1103% | 5,393 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3169% | 1,855 |
| Assets per employee ($millions) | 4.9381% | 2,559 |
| Cash dividends to net income (ytd only)* | 51.5000% | 2,206 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5064% | 1,389 |
| Loan loss allowance to noncurrent loans | 131.7073% | 3,051 |
| Noncurrent assets plus other real estate owned to assets | 0.7493% | 2,093 |
| Noncurrent loans to loans | 1.1438% | 1,553 |
| Net loans and leases to total assets | 51.0689% | 4,587 |
| Net loans and leases to deposits | 56.2807% | 4,786 |
| Net loans and leases to core deposits | 57.0151% | 4,893 |
| Total domestic deposits to total assets | 90.7397% | 325 |
| Equity capital to assets | 8.8379% | 4,864 |
| Core capital (leverage) ratio | 9.6809% | 3,835 |
| Tier 1 risk-based capital ratio | 17.0233% | 2,085 |
| Total risk-based capital ratio | 18.2742% | 2,034 |
| Memoranda: | ||
| Average total assets | $30,679,200 | 5,482 |
| Average earning assets | $27,677,400 | 5,472 |
| Average equity | $3,014,000 | 5,527 |
| Average total loans | $17,218,000 | 5,379 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2448% | 2,450 |
| Cost of funding earning assets | 0.0951% | 5,571 |
| Net interest margin | 4.1497% | 1,277 |
| Noninterest income to average assets | 0.5027% | 3,017 |
| Noninterest expense to average assets | 3.2225% | 1,511 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.5386% | 4,622 |
| Return on assets (ROA) | 0.5386% | 4,654 |
| Pretax return on assets | 1.0009% | 3,691 |
| Return on Equity (ROE) | 5.3267% | 4,400 |
| Retained earnings to average equity (ytd only) | 0.7547% | 5,046 |
| Net charge-offs to loans | 0.0469% | 2,503 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 37.1663% | 1,374 |
| Efficiency ratio | 76.3018% | 1,544 |
| Assets per employee ($millions) | 4.4051% | 3,305 |
| Cash dividends to net income (ytd only)* | 85.8313% | 513 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3715% | 2,017 |
| Loan loss allowance to noncurrent loans | 92.1053% | 3,671 |
| Noncurrent assets plus other real estate owned to assets | 1.0410% | 1,622 |
| Noncurrent loans to loans | 1.4890% | 1,255 |
| Net loans and leases to total assets | 57.1378% | 4,141 |
| Net loans and leases to deposits | 63.7700% | 4,395 |
| Net loans and leases to core deposits | 64.7115% | 4,574 |
| Total domestic deposits to total assets | 89.5998% | 620 |
| Equity capital to assets | 9.8943% | 4,037 |
| Core capital (leverage) ratio | 9.6839% | 3,954 |
| Tier 1 risk-based capital ratio | 20.7626% | 1,239 |
| Total risk-based capital ratio | 22.0218% | 1,207 |
| Memoranda: | ||
| Average total assets | $29,707,250 | 5,553 |
| Average earning assets | $26,635,750 | 5,552 |
| Average equity | $3,003,750 | 5,591 |
| Average total loans | $17,041,750 | 5,446 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1914% | 2,502 |
| Cost of funding earning assets | 0.1055% | 5,583 |
| Net interest margin | 4.0859% | 1,365 |
| Noninterest income to average assets | 0.5591% | 2,661 |
| Noninterest expense to average assets | 3.1775% | 1,630 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.6273% | 4,174 |
| Return on assets (ROA) | 0.6273% | 4,223 |
| Pretax return on assets | 1.0774% | 3,275 |
| Return on Equity (ROE) | 6.1580% | 3,977 |
| Retained earnings to average equity (ytd only) | -0.7363% | 5,193 |
| Net charge-offs to loans | -0.0119% | 4,596 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.6795% | 1,903 |
| Assets per employee ($millions) | 4.3277% | 3,386 |
| Cash dividends to net income (ytd only)* | 111.9565% | 353 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4544% | 1,745 |
| Loan loss allowance to noncurrent loans | 78.7500% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 1.2379% | 1,364 |
| Noncurrent loans to loans | 1.8468% | 956 |
| Net loans and leases to total assets | 56.3643% | 4,190 |
| Net loans and leases to deposits | 62.9099% | 4,438 |
| Net loans and leases to core deposits | 63.8533% | 4,616 |
| Total domestic deposits to total assets | 89.5953% | 684 |
| Equity capital to assets | 10.0119% | 3,893 |
| Core capital (leverage) ratio | 9.9928% | 3,547 |
| Tier 1 risk-based capital ratio | 20.0892% | 1,358 |
| Total risk-based capital ratio | 21.3443% | 1,321 |
| Memoranda: | ||
| Average total assets | $29,331,000 | 5,604 |
| Average earning assets | $26,530,330 | 5,598 |
| Average equity | $2,988,000 | 5,638 |
| Average total loans | $16,767,670 | 5,501 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0990% | 2,653 |
| Cost of funding earning assets | 0.0756% | 5,726 |
| Net interest margin | 4.0234% | 1,407 |
| Noninterest income to average assets | 0.6655% | 2,119 |
| Noninterest expense to average assets | 3.6326% | 853 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.2634% | 5,281 |
| Return on assets (ROA) | 0.2634% | 5,297 |
| Pretax return on assets | 0.7210% | 4,381 |
| Return on Equity (ROE) | 2.5628% | 5,211 |
| Retained earnings to average equity (ytd only) | -11.3303% | 5,609 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.4395% | 1,022 |
| Assets per employee ($millions) | 4.1227% | 3,800 |
| Cash dividends to net income (ytd only)* | 542.1053% | 33 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4811% | 1,764 |
| Loan loss allowance to noncurrent loans | 82.0261% | 3,958 |
| Noncurrent assets plus other real estate owned to assets | 1.2509% | 1,377 |
| Noncurrent loans to loans | 1.8056% | 1,042 |
| Net loans and leases to total assets | 57.8537% | 3,989 |
| Net loans and leases to deposits | 64.7609% | 4,268 |
| Net loans and leases to core deposits | 65.7815% | 4,441 |
| Total domestic deposits to total assets | 89.3343% | 985 |
| Equity capital to assets | 10.1390% | 3,588 |
| Core capital (leverage) ratio | 9.7344% | 3,832 |
| Tier 1 risk-based capital ratio | 19.0839% | 1,598 |
| Total risk-based capital ratio | 20.3386% | 1,558 |
| Memoranda: | ||
| Average total assets | $28,849,500 | 5,678 |
| Average earning assets | $26,445,500 | 5,667 |
| Average equity | $2,965,500 | 5,701 |
| Average total loans | $16,488,000 | 5,576 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2106% | 2,451 |
| Cost of funding earning assets | 0.0985% | 5,712 |
| Net interest margin | 4.1121% | 1,358 |
| Noninterest income to average assets | 0.4354% | 3,648 |
| Noninterest expense to average assets | 3.2052% | 1,777 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.4164% | 4,887 |
| Return on assets (ROA) | 0.4060% | 5,005 |
| Pretax return on assets | 0.6319% | 4,703 |
| Return on Equity (ROE) | 4.0597% | 4,813 |
| Retained earnings to average equity (ytd only) | 0.7203% | 5,040 |
| Net charge-offs to loans | 0.1492% | 1,772 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 8.2500% | 2,897 |
| Efficiency ratio | 83.1776% | 1,086 |
| Assets per employee ($millions) | 4.1200% | 3,751 |
| Cash dividends to net income (ytd only)* | 82.2581% | 825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5659% | 1,450 |
| Loan loss allowance to noncurrent loans | 69.3370% | 4,240 |
| Noncurrent assets plus other real estate owned to assets | 1.4459% | 1,173 |
| Noncurrent loans to loans | 2.2584% | 743 |
| Net loans and leases to total assets | 54.7087% | 4,369 |
| Net loans and leases to deposits | 61.3309% | 4,584 |
| Net loans and leases to core deposits | 61.3309% | 4,788 |
| Total domestic deposits to total assets | 89.2025% | 1,012 |
| Equity capital to assets | 10.4196% | 3,248 |
| Core capital (leverage) ratio | 9.9354% | 3,578 |
| Tier 1 risk-based capital ratio | 14.6369% | 3,127 |
| Total risk-based capital ratio | 15.8190% | 3,100 |
| Memoranda: | ||
| Average total assets | $30,544,200 | 5,703 |
| Average earning assets | $25,388,400 | 5,728 |
| Average equity | $3,054,400 | 5,756 |
| Average total loans | $16,082,400 | 5,640 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2333% | 2,399 |
| Cost of funding earning assets | 0.0954% | 5,789 |
| Net interest margin | 4.1380% | 1,280 |
| Noninterest income to average assets | 0.4391% | 3,638 |
| Noninterest expense to average assets | 3.1858% | 1,814 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.3711% | 5,108 |
| Return on assets (ROA) | 0.3573% | 5,231 |
| Pretax return on assets | 0.5941% | 4,891 |
| Return on Equity (ROE) | 3.6084% | 5,052 |
| Retained earnings to average equity (ytd only) | -0.8697% | 5,483 |
| Net charge-offs to loans | -0.0083% | 4,721 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.8052% | 1,007 |
| Assets per employee ($millions) | 4.0973% | 3,794 |
| Cash dividends to net income (ytd only)* | 124.1008% | 206 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6549% | 1,317 |
| Loan loss allowance to noncurrent loans | 56.4682% | 4,594 |
| Noncurrent assets plus other real estate owned to assets | 1.6535% | 1,045 |
| Noncurrent loans to loans | 2.9307% | 527 |
| Net loans and leases to total assets | 49.8566% | 4,830 |
| Net loans and leases to deposits | 55.2431% | 5,040 |
| Net loans and leases to core deposits | 55.2431% | 5,187 |
| Total domestic deposits to total assets | 90.2496% | 386 |
| Equity capital to assets | 9.4820% | 4,678 |
| Core capital (leverage) ratio | 9.5860% | 4,076 |
| Tier 1 risk-based capital ratio | 13.9005% | 3,612 |
| Total risk-based capital ratio | 15.1324% | 3,543 |
| Memoranda: | ||
| Average total assets | $30,970,250 | 5,760 |
| Average earning assets | $25,164,750 | 5,792 |
| Average equity | $3,066,750 | 5,813 |
| Average total loans | $16,095,750 | 5,697 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2825% | 2,214 |
| Cost of funding earning assets | 0.1046% | 5,834 |
| Net interest margin | 4.1778% | 1,163 |
| Noninterest income to average assets | 0.4939% | 3,237 |
| Noninterest expense to average assets | 3.2008% | 1,810 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.4972% | 4,692 |
| Return on assets (ROA) | 0.4742% | 4,882 |
| Pretax return on assets | 0.6784% | 4,684 |
| Return on Equity (ROE) | 4.7167% | 4,640 |
| Retained earnings to average equity (ytd only) | -2.0308% | 5,547 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.8182% | 1,288 |
| Assets per employee ($millions) | 3.1904% | 5,217 |
| Cash dividends to net income (ytd only)* | 143.0556% | 233 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6488% | 1,405 |
| Loan loss allowance to noncurrent loans | 88.6731% | 3,938 |
| Noncurrent assets plus other real estate owned to assets | 1.1409% | 1,852 |
| Noncurrent loans to loans | 1.8594% | 1,092 |
| Net loans and leases to total assets | 51.2287% | 4,747 |
| Net loans and leases to deposits | 56.8507% | 4,959 |
| Net loans and leases to core deposits | 56.8507% | 5,133 |
| Total domestic deposits to total assets | 90.1110% | 446 |
| Equity capital to assets | 9.6947% | 4,560 |
| Core capital (leverage) ratio | 10.1117% | 3,434 |
| Tier 1 risk-based capital ratio | 13.8799% | 3,677 |
| Total risk-based capital ratio | 15.1115% | 3,602 |
| Memoranda: | ||
| Average total assets | $30,367,670 | 5,844 |
| Average earning assets | $24,845,330 | 5,868 |
| Average equity | $3,053,000 | 5,887 |
| Average total loans | $15,922,000 | 5,768 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1054% | 2,825 |
| Cost of funding earning assets | 0.0818% | 5,981 |
| Net interest margin | 4.0236% | 1,547 |
| Noninterest income to average assets | 0.6081% | 2,477 |
| Noninterest expense to average assets | 3.4865% | 1,205 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.3108% | 5,273 |
| Return on assets (ROA) | 0.3108% | 5,358 |
| Pretax return on assets | 0.4460% | 5,217 |
| Return on Equity (ROE) | 3.0333% | 5,220 |
| Retained earnings to average equity (ytd only) | -10.4187% | 5,822 |
| Net charge-offs to loans | -0.0257% | 4,990 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.6598% | 765 |
| Assets per employee ($millions) | 3.3256% | 5,087 |
| Cash dividends to net income (ytd only)* | 443.4783% | 56 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7595% | 1,225 |
| Loan loss allowance to noncurrent loans | 89.5425% | 3,875 |
| Noncurrent assets plus other real estate owned to assets | 1.2061% | 1,811 |
| Noncurrent loans to loans | 1.9649% | 1,099 |
| Net loans and leases to total assets | 51.1159% | 4,713 |
| Net loans and leases to deposits | 56.9244% | 4,922 |
| Net loans and leases to core deposits | 56.9244% | 5,091 |
| Total domestic deposits to total assets | 89.7962% | 679 |
| Equity capital to assets | 10.0468% | 4,019 |
| Core capital (leverage) ratio | 9.9238% | 3,633 |
| Tier 1 risk-based capital ratio | 14.7510% | 3,263 |
| Total risk-based capital ratio | 16.0020% | 3,204 |
| Memoranda: | ||
| Average total assets | $29,599,500 | 5,910 |
| Average earning assets | $24,455,500 | 5,932 |
| Average equity | $3,033,000 | 5,944 |
| Average total loans | $15,574,000 | 5,828 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0236% | 3,220 |
| Cost of funding earning assets | 0.0967% | 5,978 |
| Net interest margin | 3.9269% | 1,940 |
| Noninterest income to average assets | 0.4538% | 3,635 |
| Noninterest expense to average assets | 3.2444% | 1,849 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.4119% | 5,014 |
| Return on assets (ROA) | 0.4640% | 4,911 |
| Pretax return on assets | 0.7281% | 4,443 |
| Return on Equity (ROE) | 4.4239% | 4,771 |
| Retained earnings to average equity (ytd only) | 2.6479% | 4,186 |
| Net charge-offs to loans | -0.0063% | 5,017 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.3768% | 1,238 |
| Assets per employee ($millions) | 3.6586% | 4,549 |
| Cash dividends to net income (ytd only)* | 40.1460% | 2,829 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7592% | 1,218 |
| Loan loss allowance to noncurrent loans | 82.0359% | 4,088 |
| Noncurrent assets plus other real estate owned to assets | 1.3291% | 1,598 |
| Noncurrent loans to loans | 2.1445% | 945 |
| Net loans and leases to total assets | 52.2772% | 4,670 |
| Net loans and leases to deposits | 58.7010% | 4,870 |
| Net loans and leases to core deposits | 58.7010% | 5,068 |
| Total domestic deposits to total assets | 89.0567% | 1,094 |
| Equity capital to assets | 10.4513% | 3,420 |
| Core capital (leverage) ratio | 10.3176% | 3,140 |
| Tier 1 risk-based capital ratio | 18.7655% | 1,758 |
| Total risk-based capital ratio | 20.0210% | 1,712 |
| Memoranda: | ||
| Average total assets | $29,528,200 | 5,964 |
| Average earning assets | $25,847,400 | 5,970 |
| Average equity | $3,096,800 | 5,992 |
| Average total loans | $15,950,600 | 5,866 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9840% | 3,401 |
| Cost of funding earning assets | 0.0967% | 6,071 |
| Net interest margin | 3.8873% | 2,079 |
| Noninterest income to average assets | 0.4686% | 3,575 |
| Noninterest expense to average assets | 3.1358% | 2,126 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.5001% | 4,787 |
| Return on assets (ROA) | 0.5001% | 4,879 |
| Pretax return on assets | 0.7749% | 4,407 |
| Return on Equity (ROE) | 4.7646% | 4,728 |
| Retained earnings to average equity (ytd only) | 2.4035% | 4,675 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.1843% | 1,640 |
| Assets per employee ($millions) | 3.9779% | 3,915 |
| Cash dividends to net income (ytd only)* | 49.5473% | 1,889 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6525% | 1,600 |
| Loan loss allowance to noncurrent loans | 79.1304% | 4,183 |
| Noncurrent assets plus other real estate owned to assets | 1.5227% | 1,475 |
| Noncurrent loans to loans | 2.0884% | 1,086 |
| Net loans and leases to total assets | 58.3480% | 4,098 |
| Net loans and leases to deposits | 66.3305% | 4,355 |
| Net loans and leases to core deposits | 66.3305% | 4,668 |
| Total domestic deposits to total assets | 87.9655% | 1,581 |
| Equity capital to assets | 11.0792% | 2,925 |
| Core capital (leverage) ratio | 10.6453% | 2,882 |
| Tier 1 risk-based capital ratio | 18.2165% | 1,980 |
| Total risk-based capital ratio | 19.4726% | 1,936 |
| Memoranda: | ||
| Average total assets | $29,593,000 | 6,044 |
| Average earning assets | $26,204,000 | 6,047 |
| Average equity | $3,106,250 | 6,072 |
| Average total loans | $16,044,500 | 5,935 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8818% | 3,764 |
| Cost of funding earning assets | 0.0995% | 6,138 |
| Net interest margin | 3.7823% | 2,394 |
| Noninterest income to average assets | 0.5170% | 3,252 |
| Noninterest expense to average assets | 3.0554% | 2,383 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.4706% | 4,887 |
| Return on assets (ROA) | 0.4706% | 4,987 |
| Pretax return on assets | 0.7357% | 4,543 |
| Return on Equity (ROE) | 4.5610% | 4,798 |
| Retained earnings to average equity (ytd only) | 1.0278% | 5,159 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.5944% | 1,679 |
| Assets per employee ($millions) | 4.3066% | 3,291 |
| Cash dividends to net income (ytd only)* | 77.4648% | 979 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7084% | 1,581 |
| Loan loss allowance to noncurrent loans | 78.0000% | 4,267 |
| Noncurrent assets plus other real estate owned to assets | 1.4231% | 1,758 |
| Noncurrent loans to loans | 2.1902% | 1,096 |
| Net loans and leases to total assets | 52.1031% | 4,745 |
| Net loans and leases to deposits | 58.2907% | 4,974 |
| Net loans and leases to core deposits | 58.2907% | 5,176 |
| Total domestic deposits to total assets | 89.3850% | 958 |
| Equity capital to assets | 10.4591% | 3,485 |
| Core capital (leverage) ratio | 10.4055% | 3,081 |
| Tier 1 risk-based capital ratio | 22.4424% | 1,143 |
| Total risk-based capital ratio | 23.7032% | 1,123 |
| Memoranda: | ||
| Average total assets | $30,175,670 | 6,110 |
| Average earning assets | $26,121,670 | 6,112 |
| Average equity | $3,113,330 | 6,130 |
| Average total loans | $15,886,000 | 6,007 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9374% | 3,470 |
| Cost of funding earning assets | 0.1077% | 6,176 |
| Net interest margin | 3.8297% | 2,134 |
| Noninterest income to average assets | 0.5962% | 2,667 |
| Noninterest expense to average assets | 3.0205% | 2,512 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.6359% | 4,107 |
| Return on assets (ROA) | 0.6359% | 4,232 |
| Pretax return on assets | 0.8744% | 3,986 |
| Return on Equity (ROE) | 6.1995% | 3,932 |
| Retained earnings to average equity (ytd only) | -0.9041% | 5,538 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5510% | 2,258 |
| Assets per employee ($millions) | 3.8679% | 4,216 |
| Cash dividends to net income (ytd only)* | 114.5833% | 557 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6743% | 1,807 |
| Loan loss allowance to noncurrent loans | 82.9787% | 4,110 |
| Noncurrent assets plus other real estate owned to assets | 1.3186% | 2,014 |
| Noncurrent loans to loans | 2.0178% | 1,292 |
| Net loans and leases to total assets | 51.8114% | 4,676 |
| Net loans and leases to deposits | 57.8940% | 4,926 |
| Net loans and leases to core deposits | 57.8940% | 5,128 |
| Total domestic deposits to total assets | 89.4936% | 995 |
| Equity capital to assets | 10.4159% | 3,629 |
| Core capital (leverage) ratio | 10.4730% | 3,006 |
| Tier 1 risk-based capital ratio | 22.2760% | 1,202 |
| Total risk-based capital ratio | 23.5327% | 1,189 |
| Memoranda: | ||
| Average total assets | $30,193,500 | 6,172 |
| Average earning assets | $26,007,000 | 6,177 |
| Average equity | $3,097,000 | 6,194 |
| Average total loans | $15,839,000 | 6,057 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2234% | 2,872 |
| Cost of funding earning assets | 0.1473% | 6,116 |
| Net interest margin | 4.0761% | 1,660 |
| Noninterest income to average assets | 0.4023% | 4,163 |
| Noninterest expense to average assets | 3.1329% | 2,408 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.4314% | 5,104 |
| Return on assets (ROA) | 0.4602% | 5,062 |
| Pretax return on assets | 0.7091% | 4,587 |
| Return on Equity (ROE) | 4.5559% | 4,860 |
| Retained earnings to average equity (ytd only) | 0.2025% | 5,687 |
| Net charge-offs to loans | -0.1152% | 6,149 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.4955% | 1,604 |
| Assets per employee ($millions) | 4.2063% | 3,529 |
| Cash dividends to net income (ytd only)* | 95.5556% | 444 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7758% | 1,583 |
| Loan loss allowance to noncurrent loans | 81.4925% | 4,195 |
| Noncurrent assets plus other real estate owned to assets | 1.4061% | 1,978 |
| Noncurrent loans to loans | 2.1791% | 1,230 |
| Net loans and leases to total assets | 51.2838% | 4,852 |
| Net loans and leases to deposits | 57.2664% | 5,107 |
| Net loans and leases to core deposits | 57.2664% | 5,293 |
| Total domestic deposits to total assets | 89.5530% | 945 |
| Equity capital to assets | 10.0903% | 3,998 |
| Core capital (leverage) ratio | 10.1069% | 3,431 |
| Tier 1 risk-based capital ratio | 21.3464% | 1,333 |
| Total risk-based capital ratio | 22.6059% | 1,309 |
| Memoranda: | ||
| Average total assets | $29,334,000 | 6,261 |
| Average earning assets | $24,435,000 | 6,287 |
| Average equity | $2,963,200 | 6,279 |
| Average total loans | $14,754,200 | 6,169 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4011% | 2,213 |
| Cost of funding earning assets | 0.1485% | 6,194 |
| Net interest margin | 4.2525% | 1,150 |
| Noninterest income to average assets | 0.4231% | 4,076 |
| Noninterest expense to average assets | 3.3075% | 1,885 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.4080% | 5,213 |
| Return on assets (ROA) | 0.4458% | 5,167 |
| Pretax return on assets | 0.6915% | 4,725 |
| Return on Equity (ROE) | 4.4123% | 5,003 |
| Retained earnings to average equity (ytd only) | 2.5212% | 4,789 |
| Net charge-offs to loans | -0.1370% | 6,218 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.9492% | 1,392 |
| Assets per employee ($millions) | 4.9857% | 2,256 |
| Cash dividends to net income (ytd only)* | 42.8593% | 2,209 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6949% | 1,988 |
| Loan loss allowance to noncurrent loans | 79.3003% | 4,212 |
| Noncurrent assets plus other real estate owned to assets | 1.4107% | 2,187 |
| Noncurrent loans to loans | 2.1373% | 1,447 |
| Net loans and leases to total assets | 52.7378% | 4,727 |
| Net loans and leases to deposits | 58.8130% | 5,031 |
| Net loans and leases to core deposits | 58.8130% | 5,284 |
| Total domestic deposits to total assets | 89.6704% | 894 |
| Equity capital to assets | 10.0120% | 4,152 |
| Core capital (leverage) ratio | 10.3948% | 3,165 |
| Tier 1 risk-based capital ratio | 21.1836% | 1,419 |
| Total risk-based capital ratio | 22.4422% | 1,390 |
| Memoranda: | ||
| Average total assets | $29,306,500 | 6,334 |
| Average earning assets | $24,236,000 | 6,365 |
| Average equity | $2,961,250 | 6,354 |
| Average total loans | $14,599,500 | 6,243 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1996% | 2,953 |
| Cost of funding earning assets | 0.1676% | 6,149 |
| Net interest margin | 4.0320% | 1,716 |
| Noninterest income to average assets | 0.4192% | 4,105 |
| Noninterest expense to average assets | 3.0855% | 2,551 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.4090% | 5,185 |
| Return on assets (ROA) | 0.4398% | 5,134 |
| Pretax return on assets | 0.6872% | 4,685 |
| Return on Equity (ROE) | 4.3390% | 5,005 |
| Retained earnings to average equity (ytd only) | 4.3390% | 3,412 |
| Net charge-offs to loans | -0.2125% | 6,355 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.8413% | 1,650 |
| Assets per employee ($millions) | 4.3527% | 3,173 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8378% | 1,733 |
| Loan loss allowance to noncurrent loans | 79.7059% | 4,200 |
| Noncurrent assets plus other real estate owned to assets | 1.3752% | 2,376 |
| Noncurrent loans to loans | 2.3057% | 1,406 |
| Net loans and leases to total assets | 47.5073% | 5,217 |
| Net loans and leases to deposits | 53.1232% | 5,411 |
| Net loans and leases to core deposits | 53.1232% | 5,605 |
| Total domestic deposits to total assets | 89.4286% | 1,138 |
| Equity capital to assets | 9.9019% | 4,246 |
| Core capital (leverage) ratio | 10.4279% | 3,048 |
| Tier 1 risk-based capital ratio | 20.8869% | 1,463 |
| Total risk-based capital ratio | 22.1450% | 1,442 |
| Memoranda: | ||
| Average total assets | $29,104,000 | 6,401 |
| Average earning assets | $23,859,330 | 6,437 |
| Average equity | $2,950,000 | 6,409 |
| Average total loans | $14,116,670 | 6,314 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2256% | 2,779 |
| Cost of funding earning assets | 0.1732% | 6,208 |
| Net interest margin | 4.0524% | 1,590 |
| Noninterest income to average assets | 0.4363% | 3,895 |
| Noninterest expense to average assets | 3.1244% | 2,462 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.3029% | 5,480 |
| Return on assets (ROA) | 0.3659% | 5,317 |
| Pretax return on assets | 0.7037% | 4,476 |
| Return on Equity (ROE) | 3.5659% | 5,238 |
| Retained earnings to average equity (ytd only) | 3.5659% | 3,995 |
| Net charge-offs to loans | -0.2029% | 6,388 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.7736% | 1,699 |
| Assets per employee ($millions) | 4.0076% | 3,936 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8711% | 1,838 |
| Loan loss allowance to noncurrent loans | 83.4921% | 4,076 |
| Noncurrent assets plus other real estate owned to assets | 1.4045% | 2,527 |
| Noncurrent loans to loans | 2.2410% | 1,611 |
| Net loans and leases to total assets | 49.1676% | 4,985 |
| Net loans and leases to deposits | 55.4181% | 5,161 |
| Net loans and leases to core deposits | 55.4181% | 5,400 |
| Total domestic deposits to total assets | 88.7213% | 1,822 |
| Equity capital to assets | 10.5194% | 3,229 |
| Core capital (leverage) ratio | 10.5162% | 2,906 |
| Tier 1 risk-based capital ratio | 17.1491% | 2,620 |
| Total risk-based capital ratio | 18.4030% | 2,575 |
| Memoranda: | ||
| Average total assets | $28,421,500 | 6,482 |
| Average earning assets | $23,097,500 | 6,524 |
| Average equity | $2,916,500 | 6,468 |
| Average total loans | $13,802,000 | 6,389 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2385% | 3,200 |
| Cost of funding earning assets | 0.1852% | 6,365 |
| Net interest margin | 4.0532% | 1,794 |
| Noninterest income to average assets | 0.4738% | 3,934 |
| Noninterest expense to average assets | 3.3786% | 1,928 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.3516% | 5,326 |
| Return on assets (ROA) | 0.4884% | 4,928 |
| Pretax return on assets | 0.7289% | 4,422 |
| Return on Equity (ROE) | 4.5699% | 4,855 |
| Retained earnings to average equity (ytd only) | 4.5699% | 2,909 |
| Net charge-offs to loans | -0.0381% | 6,274 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.5546% | 1,361 |
| Assets per employee ($millions) | 4.1129% | 3,619 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8896% | 1,804 |
| Loan loss allowance to noncurrent loans | 81.2698% | 4,144 |
| Noncurrent assets plus other real estate owned to assets | 1.3685% | 2,694 |
| Noncurrent loans to loans | 2.3251% | 1,653 |
| Net loans and leases to total assets | 46.1688% | 5,472 |
| Net loans and leases to deposits | 51.8045% | 5,637 |
| Net loans and leases to core deposits | 51.8045% | 5,808 |
| Total domestic deposits to total assets | 89.1212% | 1,538 |
| Equity capital to assets | 10.0104% | 3,757 |
| Core capital (leverage) ratio | 10.8134% | 2,565 |
| Tier 1 risk-based capital ratio | 19.6816% | 1,731 |
| Total risk-based capital ratio | 20.9393% | 1,699 |
| Memoranda: | ||
| Average total assets | $27,437,600 | 6,572 |
| Average earning assets | $23,216,000 | 6,593 |
| Average equity | $2,932,200 | 6,546 |
| Average total loans | $13,116,400 | 6,483 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2158% | 3,325 |
| Cost of funding earning assets | 0.1890% | 6,454 |
| Net interest margin | 4.0268% | 1,854 |
| Noninterest income to average assets | 0.4772% | 3,954 |
| Noninterest expense to average assets | 3.3505% | 1,945 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.4706% | 4,928 |
| Return on assets (ROA) | 0.6937% | 4,028 |
| Pretax return on assets | 0.8610% | 4,047 |
| Return on Equity (ROE) | 6.3842% | 3,986 |
| Retained earnings to average equity (ytd only) | 6.3842% | 2,194 |
| Net charge-offs to loans | -0.0410% | 6,251 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.1250% | 1,455 |
| Assets per employee ($millions) | 4.3522% | 3,137 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8632% | 2,106 |
| Loan loss allowance to noncurrent loans | 57.9545% | 4,899 |
| Noncurrent assets plus other real estate owned to assets | 1.9875% | 2,029 |
| Noncurrent loans to loans | 3.2150% | 1,223 |
| Net loans and leases to total assets | 51.4342% | 4,945 |
| Net loans and leases to deposits | 58.5254% | 5,131 |
| Net loans and leases to core deposits | 58.5254% | 5,407 |
| Total domestic deposits to total assets | 87.8834% | 2,200 |
| Equity capital to assets | 11.2243% | 2,537 |
| Core capital (leverage) ratio | 11.4178% | 2,108 |
| Tier 1 risk-based capital ratio | 22.1181% | 1,301 |
| Total risk-based capital ratio | 23.3781% | 1,280 |
| Memoranda: | ||
| Average total assets | $27,099,500 | 6,656 |
| Average earning assets | $23,277,000 | 6,665 |
| Average equity | $2,944,750 | 6,617 |
| Average total loans | $13,008,500 | 6,555 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1108% | 3,700 |
| Cost of funding earning assets | 0.1941% | 6,505 |
| Net interest margin | 3.9167% | 2,159 |
| Noninterest income to average assets | 0.4594% | 4,096 |
| Noninterest expense to average assets | 3.4125% | 1,794 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.3938% | 5,238 |
| Return on assets (ROA) | 0.3938% | 5,402 |
| Pretax return on assets | 0.4302% | 5,577 |
| Return on Equity (ROE) | 3.6618% | 5,350 |
| Retained earnings to average equity (ytd only) | 3.6618% | 3,979 |
| Net charge-offs to loans | -0.0313% | 6,114 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.8046% | 1,151 |
| Assets per employee ($millions) | 2.6733% | 6,322 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8922% | 2,133 |
| Loan loss allowance to noncurrent loans | 70.6704% | 4,380 |
| Noncurrent assets plus other real estate owned to assets | 1.6347% | 2,654 |
| Noncurrent loans to loans | 2.6774% | 1,705 |
| Net loans and leases to total assets | 49.0704% | 5,217 |
| Net loans and leases to deposits | 55.4977% | 5,390 |
| Net loans and leases to core deposits | 55.4977% | 5,639 |
| Total domestic deposits to total assets | 88.4188% | 1,971 |
| Equity capital to assets | 10.8331% | 2,913 |
| Core capital (leverage) ratio | 10.3811% | 3,008 |
| Tier 1 risk-based capital ratio | 20.2662% | 1,662 |
| Total risk-based capital ratio | 21.5262% | 1,634 |
| Memoranda: | ||
| Average total assets | $27,428,330 | 6,702 |
| Average earning assets | $23,693,670 | 6,709 |
| Average equity | $2,949,330 | 6,667 |
| Average total loans | $12,782,670 | 6,603 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0213% | 4,032 |
| Cost of funding earning assets | 0.1719% | 6,714 |
| Net interest margin | 3.8495% | 2,281 |
| Noninterest income to average assets | 0.4320% | 4,237 |
| Noninterest expense to average assets | 3.4274% | 1,772 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.2160% | 5,835 |
| Return on assets (ROA) | 0.2160% | 5,953 |
| Pretax return on assets | 0.2304% | 6,020 |
| Return on Equity (ROE) | 2.0161% | 5,938 |
| Retained earnings to average equity (ytd only) | 2.0161% | 4,993 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.7008% | 852 |
| Assets per employee ($millions) | 3.3726% | 5,273 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9747% | 2,111 |
| Loan loss allowance to noncurrent loans | 69.1460% | 4,366 |
| Noncurrent assets plus other real estate owned to assets | 1.9903% | 2,362 |
| Noncurrent loans to loans | 2.8558% | 1,772 |
| Net loans and leases to total assets | 46.1806% | 5,420 |
| Net loans and leases to deposits | 52.4808% | 5,577 |
| Net loans and leases to core deposits | 52.4808% | 5,787 |
| Total domestic deposits to total assets | 87.9953% | 2,311 |
| Equity capital to assets | 11.0596% | 2,891 |
| Core capital (leverage) ratio | 10.4740% | 2,815 |
| Tier 1 risk-based capital ratio | 20.1498% | 1,729 |
| Total risk-based capital ratio | 21.4056% | 1,702 |
| Memoranda: | ||
| Average total assets | $27,776,000 | 6,765 |
| Average earning assets | $23,276,000 | 6,782 |
| Average equity | $2,976,000 | 6,729 |
| Average total loans | $12,488,500 | 6,678 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6089% | 2,963 |
| Cost of funding earning assets | 0.2683% | 6,598 |
| Net interest margin | 4.3406% | 1,306 |
| Noninterest income to average assets | 0.5369% | 3,668 |
| Noninterest expense to average assets | 3.5796% | 1,659 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.4862% | 4,741 |
| Return on assets (ROA) | 0.5146% | 4,889 |
| Pretax return on assets | 0.6749% | 4,745 |
| Return on Equity (ROE) | 4.7377% | 4,818 |
| Retained earnings to average equity (ytd only) | 3.0211% | 4,107 |
| Net charge-offs to loans | -0.0454% | 6,689 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.8806% | 1,527 |
| Assets per employee ($millions) | 2.8571% | 6,232 |
| Cash dividends to net income (ytd only)* | 36.2319% | 3,067 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0463% | 1,902 |
| Loan loss allowance to noncurrent loans | 45.9707% | 5,323 |
| Noncurrent assets plus other real estate owned to assets | 2.5270% | 1,929 |
| Noncurrent loans to loans | 4.4513% | 966 |
| Net loans and leases to total assets | 42.0531% | 6,000 |
| Net loans and leases to deposits | 47.4170% | 6,147 |
| Net loans and leases to core deposits | 47.4170% | 6,305 |
| Total domestic deposits to total assets | 88.6878% | 1,779 |
| Equity capital to assets | 10.3882% | 3,657 |
| Core capital (leverage) ratio | 10.5967% | 2,658 |
| Tier 1 risk-based capital ratio | 20.0243% | 1,673 |
| Total risk-based capital ratio | 21.2802% | 1,644 |
| Memoranda: | ||
| Average total assets | $26,818,600 | 6,826 |
| Average earning assets | $22,738,800 | 6,846 |
| Average equity | $2,912,800 | 6,804 |
| Average total loans | $13,203,400 | 6,726 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7380% | 2,631 |
| Cost of funding earning assets | 0.2760% | 6,712 |
| Net interest margin | 4.4621% | 1,069 |
| Noninterest income to average assets | 0.5559% | 3,572 |
| Noninterest expense to average assets | 3.5632% | 1,627 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.6293% | 4,246 |
| Return on assets (ROA) | 0.6672% | 4,323 |
| Pretax return on assets | 0.8845% | 4,177 |
| Return on Equity (ROE) | 6.0711% | 4,300 |
| Retained earnings to average equity (ytd only) | 3.7713% | 4,242 |
| Net charge-offs to loans | -0.0496% | 6,709 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.0345% | 1,931 |
| Assets per employee ($millions) | 2.5537% | 6,650 |
| Cash dividends to net income (ytd only)* | 37.8807% | 2,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9998% | 2,165 |
| Loan loss allowance to noncurrent loans | 115.2074% | 2,871 |
| Noncurrent assets plus other real estate owned to assets | 1.5389% | 3,273 |
| Noncurrent loans to loans | 1.7359% | 3,182 |
| Net loans and leases to total assets | 47.9735% | 5,550 |
| Net loans and leases to deposits | 54.9767% | 5,720 |
| Net loans and leases to core deposits | 54.9767% | 5,972 |
| Total domestic deposits to total assets | 87.2616% | 2,521 |
| Equity capital to assets | 11.6537% | 2,590 |
| Core capital (leverage) ratio | 10.5879% | 2,811 |
| Tier 1 risk-based capital ratio | 20.8840% | 1,553 |
| Total risk-based capital ratio | 22.1384% | 1,517 |
| Memoranda: | ||
| Average total assets | $26,380,500 | 6,919 |
| Average earning assets | $22,709,500 | 6,936 |
| Average equity | $2,899,000 | 6,895 |
| Average total loans | $13,437,750 | 6,807 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7726% | 2,627 |
| Cost of funding earning assets | 0.3088% | 6,699 |
| Net interest margin | 4.4639% | 1,055 |
| Noninterest income to average assets | 0.4501% | 4,286 |
| Noninterest expense to average assets | 3.5407% | 1,697 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.4889% | 4,870 |
| Return on assets (ROA) | 0.5251% | 4,973 |
| Pretax return on assets | 0.7576% | 4,615 |
| Return on Equity (ROE) | 4.8724% | 4,861 |
| Retained earnings to average equity (ytd only) | 1.3921% | 5,499 |
| Net charge-offs to loans | -0.0727% | 6,778 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.3922% | 1,696 |
| Assets per employee ($millions) | 2.6017% | 6,650 |
| Cash dividends to net income (ytd only)* | 71.4286% | 1,044 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7495% | 3,027 |
| Loan loss allowance to noncurrent loans | 92.9104% | 3,402 |
| Noncurrent assets plus other real estate owned to assets | 1.7104% | 3,158 |
| Noncurrent loans to loans | 1.8829% | 3,099 |
| Net loans and leases to total assets | 53.7495% | 4,848 |
| Net loans and leases to deposits | 61.1777% | 5,104 |
| Net loans and leases to core deposits | 61.9913% | 5,389 |
| Total domestic deposits to total assets | 87.8579% | 2,245 |
| Equity capital to assets | 11.1658% | 2,930 |
| Core capital (leverage) ratio | 10.2954% | 3,055 |
| Tier 1 risk-based capital ratio | 18.6099% | 2,101 |
| Total risk-based capital ratio | 19.8668% | 2,051 |
| Memoranda: | ||
| Average total assets | $26,661,670 | 6,973 |
| Average earning assets | $22,671,000 | 6,993 |
| Average equity | $2,873,330 | 6,940 |
| Average total loans | $13,750,000 | 6,852 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9129% | 2,189 |
| Cost of funding earning assets | 0.3071% | 6,821 |
| Net interest margin | 4.6058% | 815 |
| Noninterest income to average assets | 0.3706% | 4,902 |
| Noninterest expense to average assets | 3.4094% | 1,987 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.5040% | 4,809 |
| Return on assets (ROA) | 0.5040% | 5,019 |
| Pretax return on assets | 0.7412% | 4,643 |
| Return on Equity (ROE) | 4.7594% | 4,901 |
| Retained earnings to average equity (ytd only) | -2.2397% | 6,316 |
| Net charge-offs to loans | -0.0296% | 6,337 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.1429% | 1,919 |
| Assets per employee ($millions) | 2.7346% | 6,594 |
| Cash dividends to net income (ytd only)* | 147.0588% | 306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8025% | 2,985 |
| Loan loss allowance to noncurrent loans | 100.0000% | 3,065 |
| Noncurrent assets plus other real estate owned to assets | 1.5432% | 3,548 |
| Noncurrent loans to loans | 1.8025% | 3,407 |
| Net loans and leases to total assets | 48.8079% | 5,452 |
| Net loans and leases to deposits | 54.9214% | 5,714 |
| Net loans and leases to core deposits | 55.6079% | 5,938 |
| Total domestic deposits to total assets | 88.8686% | 1,777 |
| Equity capital to assets | 10.3598% | 3,658 |
| Core capital (leverage) ratio | 10.0715% | 3,284 |
| Tier 1 risk-based capital ratio | 18.9339% | 2,013 |
| Total risk-based capital ratio | 20.1877% | 1,965 |
| Memoranda: | ||
| Average total assets | $26,984,000 | 7,026 |
| Average earning assets | $22,146,000 | 7,073 |
| Average equity | $2,857,500 | 6,990 |
| Average total loans | $13,508,500 | 6,916 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9231% | 3,249 |
| Cost of funding earning assets | 0.4919% | 6,569 |
| Net interest margin | 4.4312% | 1,308 |
| Noninterest income to average assets | 0.5461% | 3,539 |
| Noninterest expense to average assets | 3.4808% | 2,030 |
| Loan and lease loss provision to assets | 0.0493% | 5,969 |
| Net operating income to assets | 0.4980% | 4,437 |
| Return on assets (ROA) | 0.6130% | 4,116 |
| Pretax return on assets | 0.8596% | 3,744 |
| Return on Equity (ROE) | 6.2848% | 3,742 |
| Retained earnings to average equity (ytd only) | 6.2848% | 1,861 |
| Net charge-offs to loans | -0.0505% | 7,053 |
| Credit loss provision to net charge-offs | -200.0000% | 6,747 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.3333% | 1,972 |
| Assets per employee ($millions) | 2.6622% | 6,656 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8175% | 2,817 |
| Loan loss allowance to noncurrent loans | 98.3871% | 3,085 |
| Noncurrent assets plus other real estate owned to assets | 1.5964% | 3,557 |
| Noncurrent loans to loans | 1.8473% | 3,415 |
| Net loans and leases to total assets | 49.5117% | 5,655 |
| Net loans and leases to deposits | 56.0393% | 5,893 |
| Net loans and leases to core deposits | 56.7633% | 6,098 |
| Total domestic deposits to total assets | 88.3517% | 1,937 |
| Equity capital to assets | 10.8256% | 3,163 |
| Core capital (leverage) ratio | 10.2408% | 3,041 |
| Tier 1 risk-based capital ratio | 18.9775% | 1,900 |
| Total risk-based capital ratio | 20.2360% | 1,857 |
| Memoranda: | ||
| Average total assets | $28,384,200 | 7,013 |
| Average earning assets | $23,582,800 | 7,059 |
| Average equity | $2,768,600 | 7,062 |
| Average total loans | $13,852,400 | 6,951 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8655% | 3,706 |
| Cost of funding earning assets | 0.5284% | 6,585 |
| Net interest margin | 4.3371% | 1,594 |
| Noninterest income to average assets | 0.5828% | 3,277 |
| Noninterest expense to average assets | 3.4506% | 2,072 |
| Loan and lease loss provision to assets | 0.0648% | 5,641 |
| Net operating income to assets | 0.5205% | 4,456 |
| Return on assets (ROA) | 0.6522% | 4,029 |
| Pretax return on assets | 0.8927% | 3,796 |
| Return on Equity (ROE) | 6.8607% | 3,586 |
| Retained earnings to average equity (ytd only) | 6.8607% | 2,044 |
| Net charge-offs to loans | -0.0573% | 7,076 |
| Credit loss provision to net charge-offs | -233.3333% | 6,595 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.6193% | 2,028 |
| Assets per employee ($millions) | 2.5236% | 6,861 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7069% | 3,247 |
| Loan loss allowance to noncurrent loans | 66.3014% | 4,138 |
| Noncurrent assets plus other real estate owned to assets | 2.1477% | 2,980 |
| Noncurrent loans to loans | 2.5744% | 2,692 |
| Net loans and leases to total assets | 55.2227% | 4,967 |
| Net loans and leases to deposits | 62.9534% | 5,295 |
| Net loans and leases to core deposits | 63.8183% | 5,631 |
| Total domestic deposits to total assets | 87.7199% | 2,220 |
| Equity capital to assets | 11.4321% | 2,748 |
| Core capital (leverage) ratio | 9.4458% | 4,231 |
| Tier 1 risk-based capital ratio | 17.5441% | 2,425 |
| Total risk-based capital ratio | 18.7963% | 2,400 |
| Memoranda: | ||
| Average total assets | $28,824,750 | 7,071 |
| Average earning assets | $24,224,500 | 7,104 |
| Average equity | $2,740,250 | 7,136 |
| Average total loans | $13,959,250 | 7,022 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7936% | 4,122 |
| Cost of funding earning assets | 0.5769% | 6,553 |
| Net interest margin | 4.2167% | 1,968 |
| Noninterest income to average assets | 0.5396% | 3,565 |
| Noninterest expense to average assets | 3.2777% | 2,640 |
| Loan and lease loss provision to assets | 0.0933% | 5,161 |
| Net operating income to assets | 0.4983% | 4,505 |
| Return on assets (ROA) | 0.7062% | 3,621 |
| Pretax return on assets | 0.8860% | 3,677 |
| Return on Equity (ROE) | 7.8752% | 2,995 |
| Retained earnings to average equity (ytd only) | 7.8752% | 1,498 |
| Net charge-offs to loans | -0.4897% | 7,400 |
| Credit loss provision to net charge-offs | -41.1765% | 6,236 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.0000% | 2,099 |
| Assets per employee ($millions) | 3.4021% | 5,192 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9247% | 2,591 |
| Loan loss allowance to noncurrent loans | 43.5691% | 5,420 |
| Noncurrent assets plus other real estate owned to assets | 2.0314% | 3,191 |
| Noncurrent loans to loans | 4.4176% | 1,516 |
| Net loans and leases to total assets | 45.0994% | 6,343 |
| Net loans and leases to deposits | 49.9530% | 6,600 |
| Net loans and leases to core deposits | 50.5380% | 6,738 |
| Total domestic deposits to total assets | 90.2838% | 825 |
| Equity capital to assets | 9.1544% | 5,352 |
| Core capital (leverage) ratio | 9.2731% | 4,287 |
| Tier 1 risk-based capital ratio | 19.1726% | 1,792 |
| Total risk-based capital ratio | 20.4310% | 1,758 |
| Memoranda: | ||
| Average total assets | $30,021,000 | 7,106 |
| Average earning assets | $24,616,330 | 7,160 |
| Average equity | $2,692,000 | 7,205 |
| Average total loans | $13,886,330 | 7,095 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6964% | 4,545 |
| Cost of funding earning assets | 0.6411% | 6,423 |
| Net interest margin | 4.0552% | 2,452 |
| Noninterest income to average assets | 0.6864% | 2,648 |
| Noninterest expense to average assets | 3.4453% | 2,157 |
| Loan and lease loss provision to assets | 0.1346% | 4,324 |
| Net operating income to assets | 0.4533% | 4,700 |
| Return on assets (ROA) | 0.9151% | 2,550 |
| Pretax return on assets | 1.0363% | 2,997 |
| Return on Equity (ROE) | 10.3167% | 1,991 |
| Retained earnings to average equity (ytd only) | 10.3167% | 1,045 |
| Net charge-offs to loans | -0.9573% | 7,481 |
| Credit loss provision to net charge-offs | -30.3030% | 5,619 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.2105% | 1,929 |
| Assets per employee ($millions) | 2.7710% | 6,583 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9174% | 2,636 |
| Loan loss allowance to noncurrent loans | 46.0208% | 5,246 |
| Noncurrent assets plus other real estate owned to assets | 2.0859% | 3,214 |
| Noncurrent loans to loans | 4.1664% | 1,724 |
| Net loans and leases to total assets | 49.1050% | 5,948 |
| Net loans and leases to deposits | 54.5436% | 6,251 |
| Net loans and leases to core deposits | 56.2621% | 6,394 |
| Total domestic deposits to total assets | 90.0289% | 1,138 |
| Equity capital to assets | 9.5850% | 4,330 |
| Core capital (leverage) ratio | 8.9110% | 4,755 |
| Tier 1 risk-based capital ratio | 19.4911% | 1,701 |
| Total risk-based capital ratio | 20.7522% | 1,662 |
| Memoranda: | ||
| Average total assets | $29,722,000 | 7,156 |
| Average earning assets | $24,955,500 | 7,198 |
| Average equity | $2,636,500 | 7,260 |
| Average total loans | $13,789,500 | 7,152 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6299% | 6,022 |
| Cost of funding earning assets | 0.7495% | 6,738 |
| Net interest margin | 3.8804% | 3,590 |
| Noninterest income to average assets | 0.3928% | 4,954 |
| Noninterest expense to average assets | 3.3157% | 2,685 |
| Loan and lease loss provision to assets | 0.5008% | 3,149 |
| Net operating income to assets | 0.0131% | 5,795 |
| Return on assets (ROA) | 0.0131% | 5,929 |
| Pretax return on assets | 0.0164% | 5,865 |
| Return on Equity (ROE) | 0.1488% | 5,923 |
| Retained earnings to average equity (ytd only) | 0.1488% | 5,504 |
| Net charge-offs to loans | 0.2706% | 4,673 |
| Credit loss provision to net charge-offs | 413.5135% | 584 |
| Earnings coverage of net charge-offs (x) | 4.2703% | 2,990 |
| Efficiency ratio | 86.5073% | 1,631 |
| Assets per employee ($millions) | 3.1734% | 5,732 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6270% | 3,479 |
| Loan loss allowance to noncurrent loans | 33.1352% | 6,104 |
| Noncurrent assets plus other real estate owned to assets | 2.1208% | 3,192 |
| Noncurrent loans to loans | 4.9103% | 1,389 |
| Net loans and leases to total assets | 42.4876% | 6,823 |
| Net loans and leases to deposits | 46.4547% | 7,024 |
| Net loans and leases to core deposits | 47.7004% | 7,087 |
| Total domestic deposits to total assets | 91.4603% | 412 |
| Equity capital to assets | 8.2467% | 6,209 |
| Core capital (leverage) ratio | 8.6894% | 5,038 |
| Tier 1 risk-based capital ratio | 17.7790% | 2,071 |
| Total risk-based capital ratio | 19.0300% | 2,033 |
| Memoranda: | ||
| Average total assets | $30,551,400 | 7,189 |
| Average earning assets | $27,085,000 | 7,191 |
| Average equity | $2,688,400 | 7,355 |
| Average total loans | $13,672,400 | 7,221 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7314% | 5,910 |
| Cost of funding earning assets | 0.7659% | 6,857 |
| Net interest margin | 3.9654% | 3,259 |
| Noninterest income to average assets | 0.3129% | 5,652 |
| Noninterest expense to average assets | 3.1156% | 3,261 |
| Loan and lease loss provision to assets | 0.6742% | 2,272 |
| Net operating income to assets | 0.0661% | 5,849 |
| Return on assets (ROA) | 0.0661% | 5,989 |
| Pretax return on assets | 0.1278% | 5,871 |
| Return on Equity (ROE) | 0.7390% | 5,959 |
| Retained earnings to average equity (ytd only) | 0.7390% | 5,507 |
| Net charge-offs to loans | 0.0488% | 6,035 |
| Credit loss provision to net charge-offs | 3,060.0000% | 95 |
| Earnings coverage of net charge-offs (x) | 36.3808% | 752 |
| Efficiency ratio | 79.5276% | 2,419 |
| Assets per employee ($millions) | 4.1224% | 3,613 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8155% | 2,735 |
| Loan loss allowance to noncurrent loans | 44.1176% | 5,334 |
| Noncurrent assets plus other real estate owned to assets | 2.0030% | 3,465 |
| Noncurrent loans to loans | 4.1151% | 1,795 |
| Net loans and leases to total assets | 47.7908% | 6,539 |
| Net loans and leases to deposits | 53.3542% | 6,811 |
| Net loans and leases to core deposits | 54.0972% | 6,950 |
| Total domestic deposits to total assets | 89.5727% | 1,082 |
| Equity capital to assets | 9.7273% | 4,505 |
| Core capital (leverage) ratio | 8.8907% | 4,862 |
| Tier 1 risk-based capital ratio | 18.2214% | 1,961 |
| Total risk-based capital ratio | 19.4765% | 1,913 |
| Memoranda: | ||
| Average total assets | $30,255,750 | 7,284 |
| Average earning assets | $27,503,750 | 7,263 |
| Average equity | $2,706,250 | 7,446 |
| Average total loans | $13,664,000 | 7,316 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6399% | 6,340 |
| Cost of funding earning assets | 0.7638% | 7,022 |
| Net interest margin | 3.8761% | 3,554 |
| Noninterest income to average assets | 0.3060% | 5,715 |
| Noninterest expense to average assets | 3.1964% | 2,912 |
| Loan and lease loss provision to assets | 0.1693% | 5,184 |
| Net operating income to assets | 0.3906% | 4,792 |
| Return on assets (ROA) | 0.3906% | 4,953 |
| Pretax return on assets | 0.4752% | 4,985 |
| Return on Equity (ROE) | 4.4899% | 4,548 |
| Retained earnings to average equity (ytd only) | 4.4899% | 3,207 |
| Net charge-offs to loans | 0.1625% | 4,644 |
| Credit loss provision to net charge-offs | 236.3636% | 1,631 |
| Earnings coverage of net charge-offs (x) | 9.0000% | 2,065 |
| Efficiency ratio | 83.2203% | 2,012 |
| Assets per employee ($millions) | 3.7689% | 4,299 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8745% | 6,839 |
| Loan loss allowance to noncurrent loans | 37.3457% | 5,872 |
| Noncurrent assets plus other real estate owned to assets | 1.0746% | 4,980 |
| Noncurrent loans to loans | 2.3415% | 3,323 |
| Net loans and leases to total assets | 45.4910% | 6,809 |
| Net loans and leases to deposits | 50.2123% | 7,060 |
| Net loans and leases to core deposits | 50.8659% | 7,176 |
| Total domestic deposits to total assets | 90.5973% | 643 |
| Equity capital to assets | 9.0876% | 5,312 |
| Core capital (leverage) ratio | 8.7341% | 5,030 |
| Tier 1 risk-based capital ratio | 16.0284% | 2,660 |
| Total risk-based capital ratio | 16.7758% | 2,852 |
| Memoranda: | ||
| Average total assets | $30,722,000 | 7,319 |
| Average earning assets | $28,018,000 | 7,297 |
| Average equity | $2,672,670 | 7,509 |
| Average total loans | $13,536,670 | 7,374 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5689% | 6,641 |
| Cost of funding earning assets | 0.7545% | 7,220 |
| Net interest margin | 3.8144% | 3,732 |
| Noninterest income to average assets | 0.3096% | 5,668 |
| Noninterest expense to average assets | 3.2250% | 2,775 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.5031% | 4,377 |
| Return on assets (ROA) | 0.5031% | 4,521 |
| Pretax return on assets | 0.6063% | 4,577 |
| Return on Equity (ROE) | 5.9113% | 3,916 |
| Retained earnings to average equity (ytd only) | 5.9113% | 2,660 |
| Net charge-offs to loans | -0.0598% | 7,394 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.1751% | 2,009 |
| Assets per employee ($millions) | 3.3990% | 5,300 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8000% | 7,130 |
| Loan loss allowance to noncurrent loans | 62.7907% | 4,237 |
| Noncurrent assets plus other real estate owned to assets | 0.5623% | 6,101 |
| Noncurrent loans to loans | 1.2741% | 4,852 |
| Net loans and leases to total assets | 43.7776% | 7,009 |
| Net loans and leases to deposits | 48.1155% | 7,230 |
| Net loans and leases to core deposits | 48.7248% | 7,332 |
| Total domestic deposits to total assets | 90.9843% | 554 |
| Equity capital to assets | 8.7281% | 5,694 |
| Core capital (leverage) ratio | 8.3385% | 5,670 |
| Tier 1 risk-based capital ratio | 16.0843% | 2,619 |
| Total risk-based capital ratio | 16.7594% | 2,812 |
| Memoranda: | ||
| Average total assets | $31,007,500 | 7,407 |
| Average earning assets | $28,628,500 | 7,367 |
| Average equity | $2,639,000 | 7,597 |
| Average total loans | $13,386,500 | 7,477 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9751% | 6,507 |
| Cost of funding earning assets | 0.9727% | 7,257 |
| Net interest margin | 4.0025% | 2,850 |
| Noninterest income to average assets | 0.3283% | 5,731 |
| Noninterest expense to average assets | 3.0333% | 4,015 |
| Loan and lease loss provision to assets | 0.3611% | 4,638 |
| Net operating income to assets | 0.3422% | 4,369 |
| Return on assets (ROA) | 0.5220% | 3,730 |
| Pretax return on assets | 0.6992% | 3,576 |
| Return on Equity (ROE) | 6.0369% | 3,195 |
| Retained earnings to average equity (ytd only) | 1.7845% | 3,845 |
| Net charge-offs to loans | 2.1188% | 1,146 |
| Credit loss provision to net charge-offs | 38.3275% | 6,842 |
| Earnings coverage of net charge-offs (x) | 0.8711% | 5,237 |
| Efficiency ratio | 78.7053% | 3,090 |
| Assets per employee ($millions) | 3.4916% | 5,018 |
| Cash dividends to net income (ytd only)* | 70.4403% | 1,540 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7986% | 7,133 |
| Loan loss allowance to noncurrent loans | 8.3399% | 7,389 |
| Noncurrent assets plus other real estate owned to assets | 4.0447% | 1,631 |
| Noncurrent loans to loans | 9.5758% | 449 |
| Net loans and leases to total assets | 41.9011% | 7,254 |
| Net loans and leases to deposits | 45.8174% | 7,450 |
| Net loans and leases to core deposits | 49.5335% | 7,597 |
| Total domestic deposits to total assets | 91.4524% | 395 |
| Equity capital to assets | 8.2994% | 6,197 |
| Core capital (leverage) ratio | 8.5912% | 5,111 |
| Tier 1 risk-based capital ratio | 17.4587% | 2,039 |
| Total risk-based capital ratio | 18.1887% | 2,136 |
| Memoranda: | ||
| Average total assets | $30,461,800 | 7,455 |
| Average earning assets | $26,833,400 | 7,467 |
| Average equity | $2,633,800 | 7,693 |
| Average total loans | $13,545,200 | 7,520 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0937% | 6,292 |
| Cost of funding earning assets | 1.0360% | 7,313 |
| Net interest margin | 4.0577% | 2,557 |
| Noninterest income to average assets | 0.3397% | 5,774 |
| Noninterest expense to average assets | 3.1191% | 3,583 |
| Loan and lease loss provision to assets | 0.4809% | 3,496 |
| Net operating income to assets | 0.1849% | 5,209 |
| Return on assets (ROA) | 0.4103% | 4,461 |
| Pretax return on assets | 0.5868% | 4,222 |
| Return on Equity (ROE) | 4.6965% | 4,080 |
| Retained earnings to average equity (ytd only) | 4.6965% | 2,654 |
| Net charge-offs to loans | 2.8305% | 617 |
| Credit loss provision to net charge-offs | 37.7163% | 6,445 |
| Earnings coverage of net charge-offs (x) | 0.5848% | 5,448 |
| Efficiency ratio | 80.7078% | 2,743 |
| Assets per employee ($millions) | 2.9729% | 6,238 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7496% | 7,264 |
| Loan loss allowance to noncurrent loans | 7.0307% | 7,492 |
| Noncurrent assets plus other real estate owned to assets | 4.9278% | 1,194 |
| Noncurrent loans to loans | 10.6615% | 350 |
| Net loans and leases to total assets | 45.8744% | 7,118 |
| Net loans and leases to deposits | 50.6518% | 7,379 |
| Net loans and leases to core deposits | 55.8637% | 7,547 |
| Total domestic deposits to total assets | 90.5681% | 559 |
| Equity capital to assets | 9.0417% | 5,427 |
| Core capital (leverage) ratio | 8.6995% | 5,129 |
| Tier 1 risk-based capital ratio | 15.6972% | 2,741 |
| Total risk-based capital ratio | 16.3239% | 2,946 |
| Memoranda: | ||
| Average total assets | $30,221,250 | 7,533 |
| Average earning assets | $26,254,250 | 7,562 |
| Average equity | $2,640,250 | 7,767 |
| Average total loans | $13,613,250 | 7,592 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3178% | 5,573 |
| Cost of funding earning assets | 1.1163% | 7,337 |
| Net interest margin | 4.2015% | 1,994 |
| Noninterest income to average assets | 0.3620% | 5,618 |
| Noninterest expense to average assets | 3.1660% | 3,449 |
| Loan and lease loss provision to assets | 0.1777% | 5,272 |
| Net operating income to assets | 0.4182% | 4,433 |
| Return on assets (ROA) | 0.6845% | 3,433 |
| Pretax return on assets | 0.9610% | 3,142 |
| Return on Equity (ROE) | 7.9258% | 2,802 |
| Retained earnings to average equity (ytd only) | 7.9258% | 1,231 |
| Net charge-offs to loans | -0.0884% | 7,933 |
| Credit loss provision to net charge-offs | -450.0000% | 7,047 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.5695% | 2,955 |
| Assets per employee ($millions) | 3.0268% | 6,063 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2789% | 1,128 |
| Loan loss allowance to noncurrent loans | 16.0832% | 7,330 |
| Noncurrent assets plus other real estate owned to assets | 6.5118% | 700 |
| Noncurrent loans to loans | 14.1697% | 152 |
| Net loans and leases to total assets | 44.9088% | 7,269 |
| Net loans and leases to deposits | 49.4885% | 7,504 |
| Net loans and leases to core deposits | 55.1754% | 7,627 |
| Total domestic deposits to total assets | 90.7460% | 536 |
| Equity capital to assets | 8.7915% | 5,612 |
| Core capital (leverage) ratio | 9.0983% | 4,470 |
| Tier 1 risk-based capital ratio | 15.0064% | 3,017 |
| Total risk-based capital ratio | 16.2632% | 2,952 |
| Memoranda: | ||
| Average total assets | $30,385,330 | 7,587 |
| Average earning assets | $25,800,330 | 7,650 |
| Average equity | $2,624,330 | 7,847 |
| Average total loans | $13,570,670 | 7,679 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1447% | 6,506 |
| Cost of funding earning assets | 1.1751% | 7,353 |
| Net interest margin | 3.9696% | 2,772 |
| Noninterest income to average assets | 0.3679% | 5,484 |
| Noninterest expense to average assets | 3.3898% | 2,388 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.4073% | 4,828 |
| Return on assets (ROA) | 0.4073% | 5,008 |
| Pretax return on assets | 0.6175% | 4,707 |
| Return on Equity (ROE) | 4.7583% | 4,571 |
| Retained earnings to average equity (ytd only) | 4.7583% | 3,255 |
| Net charge-offs to loans | -0.1194% | 7,923 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.5902% | 2,243 |
| Assets per employee ($millions) | 2.9115% | 6,384 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1380% | 1,170 |
| Loan loss allowance to noncurrent loans | 37.2881% | 6,067 |
| Noncurrent assets plus other real estate owned to assets | 2.6344% | 2,181 |
| Noncurrent loans to loans | 5.7337% | 859 |
| Net loans and leases to total assets | 44.9631% | 7,266 |
| Net loans and leases to deposits | 49.6341% | 7,513 |
| Net loans and leases to core deposits | 55.3531% | 7,642 |
| Total domestic deposits to total assets | 90.5890% | 557 |
| Equity capital to assets | 9.1190% | 5,202 |
| Core capital (leverage) ratio | 8.3773% | 5,763 |
| Tier 1 risk-based capital ratio | 18.0718% | 2,036 |
| Total risk-based capital ratio | 19.3324% | 1,979 |
| Memoranda: | ||
| Average total assets | $30,444,000 | 7,634 |
| Average earning assets | $27,912,000 | 7,614 |
| Average equity | $2,606,000 | 7,906 |
| Average total loans | $13,401,000 | 7,728 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6996% | 6,782 |
| Cost of funding earning assets | 1.7229% | 7,210 |
| Net interest margin | 3.9766% | 3,230 |
| Noninterest income to average assets | 0.3433% | 5,991 |
| Noninterest expense to average assets | 2.9231% | 4,366 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.6278% | 4,196 |
| Return on assets (ROA) | 0.6618% | 3,906 |
| Pretax return on assets | 1.0263% | 3,282 |
| Return on Equity (ROE) | 7.4561% | 3,297 |
| Retained earnings to average equity (ytd only) | 2.3126% | 3,762 |
| Net charge-offs to loans | -0.4469% | 8,212 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.0227% | 3,395 |
| Assets per employee ($millions) | 3.1773% | 5,546 |
| Cash dividends to net income (ytd only)* | 68.9840% | 2,221 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1080% | 1,063 |
| Loan loss allowance to noncurrent loans | 41.9259% | 5,929 |
| Noncurrent assets plus other real estate owned to assets | 2.1244% | 2,310 |
| Noncurrent loans to loans | 5.0279% | 873 |
| Net loans and leases to total assets | 41.3622% | 7,614 |
| Net loans and leases to deposits | 45.0918% | 7,817 |
| Net loans and leases to core deposits | 49.9392% | 7,888 |
| Total domestic deposits to total assets | 91.7288% | 174 |
| Equity capital to assets | 8.0477% | 6,781 |
| Core capital (leverage) ratio | 8.3896% | 5,788 |
| Tier 1 risk-based capital ratio | 14.8829% | 3,106 |
| Total risk-based capital ratio | 16.1406% | 3,017 |
| Memoranda: | ||
| Average total assets | $28,257,800 | 7,715 |
| Average earning assets | $25,247,600 | 7,726 |
| Average equity | $2,508,000 | 7,983 |
| Average total loans | $12,755,000 | 7,786 |