Home > Springfield State Bank > Performance and Condition Ratios
Springfield State Bank, Performance and Condition Ratios
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2380% | 4,612 |
| Cost of funding earning assets | 0.0571% | 4,657 |
| Net interest margin | 2.1809% | 4,496 |
| Noninterest income to average assets | 0.1274% | 4,506 |
| Noninterest expense to average assets | 1.7430% | 4,236 |
| Loan and lease loss provision to assets | 0.2358% | 415 |
| Net operating income to assets | 0.2604% | 4,465 |
| Return on assets (ROA) | 0.2982% | 4,446 |
| Pretax return on assets | 0.3090% | 4,488 |
| Return on Equity (ROE) | 3.2463% | 4,325 |
| Retained earnings to average equity (ytd only) | -2.6560% | 4,645 |
| Net charge-offs to loans | 1.0462% | 61 |
| Credit loss provision to net charge-offs | 65.9091% | 2,035 |
| Earnings coverage of net charge-offs (x) | 1.4129% | 2,618 |
| Efficiency ratio | 77.5166% | 994 |
| Assets per employee ($millions) | 12.0381% | 394 |
| Cash dividends to net income (ytd only)* | 181.8182% | 49 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6878% | 1,077 |
| Loan loss allowance to noncurrent loans | 68.6380% | 3,701 |
| Noncurrent assets plus other real estate owned to assets | 0.6622% | 980 |
| Noncurrent loans to loans | 2.4590% | 274 |
| Net loans and leases to total assets | 26.4742% | 4,614 |
| Net loans and leases to deposits | 28.6671% | 4,648 |
| Net loans and leases to core deposits | 28.6671% | 4,662 |
| Total domestic deposits to total assets | 92.3505% | 111 |
| Equity capital to assets | 7.6269% | 4,544 |
| Core capital (leverage) ratio | 8.3572% | 4,059 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $73,782,000 | 4,294 |
| Average earning assets | $71,759,400 | 4,238 |
| Average equity | $6,777,000 | 4,449 |
| Average total loans | $25,234,400 | 4,471 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3372% | 4,660 |
| Cost of funding earning assets | 0.0598% | 4,737 |
| Net interest margin | 2.2774% | 4,506 |
| Noninterest income to average assets | 0.1386% | 4,504 |
| Noninterest expense to average assets | 1.5757% | 4,494 |
| Loan and lease loss provision to assets | 0.3260% | 232 |
| Net operating income to assets | 0.4106% | 4,358 |
| Return on assets (ROA) | 0.4572% | 4,318 |
| Pretax return on assets | 0.4984% | 4,376 |
| Return on Equity (ROE) | 4.7392% | 4,178 |
| Retained earnings to average equity (ytd only) | 4.7392% | 3,315 |
| Net charge-offs to loans | 1.3606% | 47 |
| Credit loss provision to net charge-offs | 65.9091% | 1,777 |
| Earnings coverage of net charge-offs (x) | 1.5644% | 2,374 |
| Efficiency ratio | 67.0654% | 1,961 |
| Assets per employee ($millions) | 10.6259% | 538 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4372% | 1,862 |
| Loan loss allowance to noncurrent loans | 67.5485% | 3,760 |
| Noncurrent assets plus other real estate owned to assets | 0.7623% | 949 |
| Noncurrent loans to loans | 2.1277% | 395 |
| Net loans and leases to total assets | 35.3128% | 4,420 |
| Net loans and leases to deposits | 39.0485% | 4,488 |
| Net loans and leases to core deposits | 39.0485% | 4,542 |
| Total domestic deposits to total assets | 90.4330% | 588 |
| Equity capital to assets | 9.4043% | 3,466 |
| Core capital (leverage) ratio | 9.2729% | 3,241 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $71,160,750 | 4,380 |
| Average earning assets | $69,083,750 | 4,325 |
| Average equity | $6,864,500 | 4,497 |
| Average total loans | $25,870,000 | 4,515 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3459% | 4,699 |
| Cost of funding earning assets | 0.0617% | 4,781 |
| Net interest margin | 2.2842% | 4,532 |
| Noninterest income to average assets | 0.1426% | 4,488 |
| Noninterest expense to average assets | 1.5971% | 4,513 |
| Loan and lease loss provision to assets | 0.1711% | 675 |
| Net operating income to assets | 0.5535% | 4,097 |
| Return on assets (ROA) | 0.6018% | 4,035 |
| Pretax return on assets | 0.6417% | 4,171 |
| Return on Equity (ROE) | 6.1525% | 3,867 |
| Retained earnings to average equity (ytd only) | 6.1525% | 2,741 |
| Net charge-offs to loans | 2.0617% | 34 |
| Credit loss provision to net charge-offs | 22.7273% | 1,724 |
| Earnings coverage of net charge-offs (x) | 1.0114% | 2,177 |
| Efficiency ratio | 67.7146% | 1,910 |
| Assets per employee ($millions) | 10.8923% | 473 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9920% | 3,847 |
| Loan loss allowance to noncurrent loans | 46.7826% | 3,997 |
| Noncurrent assets plus other real estate owned to assets | 0.7541% | 1,087 |
| Noncurrent loans to loans | 2.1204% | 438 |
| Net loans and leases to total assets | 35.2137% | 4,489 |
| Net loans and leases to deposits | 38.7963% | 4,554 |
| Net loans and leases to core deposits | 38.7963% | 4,605 |
| Total domestic deposits to total assets | 90.7654% | 452 |
| Equity capital to assets | 9.1034% | 3,708 |
| Core capital (leverage) ratio | 8.9686% | 3,497 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $70,125,333 | 4,422 |
| Average earning assets | $68,032,333 | 4,366 |
| Average equity | $6,859,000 | 4,521 |
| Average total loans | $25,610,333 | 4,553 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3338% | 4,748 |
| Cost of funding earning assets | 0.0616% | 4,821 |
| Net interest margin | 2.2722% | 4,548 |
| Noninterest income to average assets | 0.1610% | 4,392 |
| Noninterest expense to average assets | 1.6820% | 4,409 |
| Loan and lease loss provision to assets | 0.1789% | 694 |
| Net operating income to assets | 0.4612% | 4,248 |
| Return on assets (ROA) | 0.4831% | 4,241 |
| Pretax return on assets | 0.5249% | 4,304 |
| Return on Equity (ROE) | 4.7521% | 4,139 |
| Retained earnings to average equity (ytd only) | 4.7521% | 3,298 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2121% | 1,585 |
| Assets per employee ($millions) | 9.6040% | 677 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0458% | 546 |
| Loan loss allowance to noncurrent loans | 45.6522% | 4,036 |
| Noncurrent assets plus other real estate owned to assets | 1.6422% | 358 |
| Noncurrent loans to loans | 4.4812% | 108 |
| Net loans and leases to total assets | 35.8958% | 4,506 |
| Net loans and leases to deposits | 39.9901% | 4,565 |
| Net loans and leases to core deposits | 39.9901% | 4,619 |
| Total domestic deposits to total assets | 89.7617% | 925 |
| Equity capital to assets | 10.1386% | 2,565 |
| Core capital (leverage) ratio | 10.2746% | 2,270 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $67,065,000 | 4,470 |
| Average earning assets | $64,958,000 | 4,425 |
| Average equity | $6,818,000 | 4,541 |
| Average total loans | $24,856,500 | 4,597 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6627% | 4,804 |
| Cost of funding earning assets | 0.1038% | 4,854 |
| Net interest margin | 2.5589% | 4,535 |
| Noninterest income to average assets | 0.1514% | 4,538 |
| Noninterest expense to average assets | 1.7922% | 4,483 |
| Loan and lease loss provision to assets | 0.0927% | 3,191 |
| Net operating income to assets | 0.7161% | 3,377 |
| Return on assets (ROA) | 0.7339% | 3,445 |
| Pretax return on assets | 0.7617% | 3,736 |
| Return on Equity (ROE) | 7.2606% | 3,091 |
| Retained earnings to average equity (ytd only) | 7.2606% | 1,293 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1952% | 2,213 |
| Assets per employee ($millions) | 9.5574% | 610 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8902% | 741 |
| Loan loss allowance to noncurrent loans | 42.5494% | 4,120 |
| Noncurrent assets plus other real estate owned to assets | 1.6651% | 404 |
| Noncurrent loans to loans | 4.4423% | 114 |
| Net loans and leases to total assets | 36.7747% | 4,569 |
| Net loans and leases to deposits | 40.9790% | 4,634 |
| Net loans and leases to core deposits | 40.9790% | 4,675 |
| Total domestic deposits to total assets | 89.7402% | 659 |
| Equity capital to assets | 10.1940% | 2,932 |
| Core capital (leverage) ratio | 8.9405% | 3,763 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $64,726,200 | 4,450 |
| Average earning assets | $62,643,800 | 4,408 |
| Average equity | $6,542,200 | 4,579 |
| Average total loans | $24,302,600 | 4,630 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7578% | 4,851 |
| Cost of funding earning assets | 0.1137% | 4,895 |
| Net interest margin | 2.6441% | 4,535 |
| Noninterest income to average assets | 0.1600% | 4,497 |
| Noninterest expense to average assets | 1.8239% | 4,453 |
| Loan and lease loss provision to assets | 0.0623% | 3,563 |
| Net operating income to assets | 0.7965% | 3,106 |
| Return on assets (ROA) | 0.8185% | 3,146 |
| Pretax return on assets | 0.8559% | 3,502 |
| Return on Equity (ROE) | 8.1159% | 2,765 |
| Retained earnings to average equity (ytd only) | 8.1159% | 1,266 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0741% | 2,304 |
| Assets per employee ($millions) | 11.0451% | 384 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7977% | 729 |
| Loan loss allowance to noncurrent loans | 83.1461% | 3,527 |
| Noncurrent assets plus other real estate owned to assets | 0.6907% | 1,682 |
| Noncurrent loans to loans | 2.1621% | 549 |
| Net loans and leases to total assets | 31.3700% | 4,797 |
| Net loans and leases to deposits | 34.4180% | 4,848 |
| Net loans and leases to core deposits | 34.4180% | 4,866 |
| Total domestic deposits to total assets | 91.1441% | 143 |
| Equity capital to assets | 8.6631% | 4,360 |
| Core capital (leverage) ratio | 8.7420% | 4,021 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $64,182,250 | 4,468 |
| Average earning assets | $62,124,250 | 4,427 |
| Average equity | $6,472,750 | 4,612 |
| Average total loans | $24,109,000 | 4,664 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0626% | 4,807 |
| Cost of funding earning assets | 0.1351% | 4,915 |
| Net interest margin | 2.9275% | 4,265 |
| Noninterest income to average assets | 0.1839% | 4,359 |
| Noninterest expense to average assets | 1.9631% | 4,305 |
| Loan and lease loss provision to assets | 0.0602% | 3,550 |
| Net operating income to assets | 0.9470% | 2,504 |
| Return on assets (ROA) | 0.9598% | 2,586 |
| Pretax return on assets | 0.9999% | 3,032 |
| Return on Equity (ROE) | 8.9720% | 2,374 |
| Retained earnings to average equity (ytd only) | 8.9720% | 1,018 |
| Net charge-offs to loans | -0.0167% | 4,359 |
| Credit loss provision to net charge-offs | -900.0000% | 3,731 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2222% | 2,630 |
| Assets per employee ($millions) | 9.4710% | 591 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7793% | 690 |
| Loan loss allowance to noncurrent loans | 8,680.0000% | 83 |
| Noncurrent assets plus other real estate owned to assets | 0.0075% | 4,547 |
| Noncurrent loans to loans | 0.0205% | 4,410 |
| Net loans and leases to total assets | 36.1374% | 4,719 |
| Net loans and leases to deposits | 40.2007% | 4,792 |
| Net loans and leases to core deposits | 40.3762% | 4,822 |
| Total domestic deposits to total assets | 89.8925% | 428 |
| Equity capital to assets | 9.9281% | 3,268 |
| Core capital (leverage) ratio | 10.0539% | 2,783 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.4656% | 325 |
| Memoranda: | ||
| Average total assets | $59,804,333 | 4,546 |
| Average earning assets | $57,728,000 | 4,499 |
| Average equity | $6,397,667 | 4,641 |
| Average total loans | $23,912,667 | 4,691 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4660% | 4,664 |
| Cost of funding earning assets | 0.1395% | 4,990 |
| Net interest margin | 3.3265% | 3,527 |
| Noninterest income to average assets | 0.2475% | 4,073 |
| Noninterest expense to average assets | 2.1217% | 4,176 |
| Loan and lease loss provision to assets | 0.0424% | 3,247 |
| Net operating income to assets | 1.2447% | 1,390 |
| Return on assets (ROA) | 1.2447% | 1,493 |
| Pretax return on assets | 1.2872% | 1,904 |
| Return on Equity (ROE) | 11.1649% | 1,367 |
| Retained earnings to average equity (ytd only) | 11.1649% | 547 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4754% | 3,560 |
| Assets per employee ($millions) | 8.1140% | 711 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7588% | 768 |
| Loan loss allowance to noncurrent loans | 8,360.0000% | 85 |
| Noncurrent assets plus other real estate owned to assets | 0.0088% | 4,601 |
| Noncurrent loans to loans | 0.0210% | 4,487 |
| Net loans and leases to total assets | 41.1071% | 4,626 |
| Net loans and leases to deposits | 46.3640% | 4,712 |
| Net loans and leases to core deposits | 46.6028% | 4,759 |
| Total domestic deposits to total assets | 88.6616% | 816 |
| Equity capital to assets | 11.2064% | 2,673 |
| Core capital (leverage) ratio | 10.8653% | 2,593 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $56,558,000 | 4,601 |
| Average earning assets | $54,471,500 | 4,567 |
| Average equity | $6,305,500 | 4,685 |
| Average total loans | $23,673,000 | 4,727 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5995% | 4,776 |
| Cost of funding earning assets | 0.1500% | 5,048 |
| Net interest margin | 3.4495% | 3,590 |
| Noninterest income to average assets | 0.2268% | 4,307 |
| Noninterest expense to average assets | 2.0542% | 4,442 |
| Loan and lease loss provision to assets | 0.0429% | 3,149 |
| Net operating income to assets | 1.4165% | 1,288 |
| Return on assets (ROA) | 1.4165% | 1,363 |
| Pretax return on assets | 1.4576% | 1,951 |
| Return on Equity (ROE) | 13.0574% | 1,151 |
| Retained earnings to average equity (ytd only) | 7.2943% | 1,258 |
| Net charge-offs to loans | -0.0120% | 4,518 |
| Credit loss provision to net charge-offs | -800.0000% | 4,496 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.7889% | 3,999 |
| Assets per employee ($millions) | 7.0398% | 1,023 |
| Cash dividends to net income (ytd only)* | 44.1362% | 2,384 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7472% | 725 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 41.1378% | 4,696 |
| Net loans and leases to deposits | 46.3073% | 4,778 |
| Net loans and leases to core deposits | 46.5455% | 4,824 |
| Total domestic deposits to total assets | 88.8366% | 731 |
| Equity capital to assets | 11.0906% | 2,913 |
| Core capital (leverage) ratio | 10.5027% | 2,951 |
| Tier 1 risk-based capital ratio | 25.7054% | 699 |
| Total risk-based capital ratio | 26.9603% | 681 |
| Memoranda: | ||
| Average total assets | $55,984,200 | 4,650 |
| Average earning assets | $54,007,600 | 4,612 |
| Average equity | $6,073,200 | 4,745 |
| Average total loans | $24,926,600 | 4,749 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6150% | 4,870 |
| Cost of funding earning assets | 0.1484% | 5,126 |
| Net interest margin | 3.4666% | 3,673 |
| Noninterest income to average assets | 0.2314% | 4,352 |
| Noninterest expense to average assets | 1.9606% | 4,627 |
| Loan and lease loss provision to assets | 0.0429% | 3,044 |
| Net operating income to assets | 1.5336% | 1,109 |
| Return on assets (ROA) | 1.5336% | 1,156 |
| Pretax return on assets | 1.5718% | 1,732 |
| Return on Equity (ROE) | 14.2174% | 941 |
| Retained earnings to average equity (ytd only) | 14.2174% | 198 |
| Net charge-offs to loans | -0.0106% | 4,389 |
| Credit loss provision to net charge-offs | -900.0000% | 4,406 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.8366% | 4,298 |
| Assets per employee ($millions) | 8.5700% | 561 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5962% | 1,004 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 41.6203% | 4,760 |
| Net loans and leases to deposits | 46.8030% | 4,849 |
| Net loans and leases to core deposits | 47.0278% | 4,893 |
| Total domestic deposits to total assets | 88.9265% | 636 |
| Equity capital to assets | 10.7601% | 3,326 |
| Core capital (leverage) ratio | 10.5466% | 3,065 |
| Tier 1 risk-based capital ratio | 24.4271% | 811 |
| Total risk-based capital ratio | 25.6781% | 795 |
| Memoranda: | ||
| Average total assets | $55,900,750 | 4,718 |
| Average earning assets | $53,922,250 | 4,679 |
| Average equity | $6,030,000 | 4,814 |
| Average total loans | $25,263,250 | 4,813 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5832% | 4,945 |
| Cost of funding earning assets | 0.1445% | 5,172 |
| Net interest margin | 3.4386% | 3,776 |
| Noninterest income to average assets | 0.2530% | 4,241 |
| Noninterest expense to average assets | 2.0206% | 4,575 |
| Loan and lease loss provision to assets | 0.0440% | 2,942 |
| Net operating income to assets | 1.4632% | 1,252 |
| Return on assets (ROA) | 1.4632% | 1,307 |
| Pretax return on assets | 1.5035% | 1,849 |
| Return on Equity (ROE) | 13.5522% | 1,085 |
| Retained earnings to average equity (ytd only) | 13.5522% | 256 |
| Net charge-offs to loans | -0.0079% | 4,253 |
| Credit loss provision to net charge-offs | -1,200.0000% | 4,288 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.6290% | 4,174 |
| Assets per employee ($millions) | 8.4743% | 563 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5850% | 1,058 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 41.6605% | 4,791 |
| Net loans and leases to deposits | 46.6494% | 4,882 |
| Net loans and leases to core deposits | 46.8742% | 4,934 |
| Total domestic deposits to total assets | 89.3055% | 537 |
| Equity capital to assets | 10.4400% | 3,572 |
| Core capital (leverage) ratio | 10.5677% | 3,015 |
| Tier 1 risk-based capital ratio | 24.0155% | 844 |
| Total risk-based capital ratio | 25.2669% | 825 |
| Memoranda: | ||
| Average total assets | $54,537,670 | 4,779 |
| Average earning assets | $52,579,330 | 4,734 |
| Average equity | $5,888,330 | 4,862 |
| Average total loans | $25,226,670 | 4,850 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5912% | 4,973 |
| Cost of funding earning assets | 0.1433% | 5,223 |
| Net interest margin | 3.4478% | 3,755 |
| Noninterest income to average assets | 0.2685% | 4,078 |
| Noninterest expense to average assets | 2.1018% | 4,462 |
| Loan and lease loss provision to assets | 0.0460% | 2,727 |
| Net operating income to assets | 1.4037% | 1,368 |
| Return on assets (ROA) | 1.4037% | 1,395 |
| Pretax return on assets | 1.4421% | 1,956 |
| Return on Equity (ROE) | 12.7615% | 1,293 |
| Retained earnings to average equity (ytd only) | 12.7615% | 495 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.5470% | 4,006 |
| Assets per employee ($millions) | 7.5636% | 795 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5351% | 1,224 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 47.3699% | 4,607 |
| Net loans and leases to deposits | 53.4527% | 4,692 |
| Net loans and leases to core deposits | 53.7425% | 4,792 |
| Total domestic deposits to total assets | 88.6203% | 1,027 |
| Equity capital to assets | 11.1266% | 2,725 |
| Core capital (leverage) ratio | 11.1643% | 2,417 |
| Tier 1 risk-based capital ratio | 22.3889% | 1,001 |
| Total risk-based capital ratio | 23.6397% | 982 |
| Memoranda: | ||
| Average total assets | $52,146,500 | 4,872 |
| Average earning assets | $50,234,500 | 4,823 |
| Average equity | $5,736,000 | 4,926 |
| Average total loans | $25,284,500 | 4,898 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6065% | 4,790 |
| Cost of funding earning assets | 0.1240% | 5,235 |
| Net interest margin | 3.4825% | 3,761 |
| Noninterest income to average assets | 0.2575% | 4,387 |
| Noninterest expense to average assets | 2.1097% | 4,537 |
| Loan and lease loss provision to assets | 0.0479% | 3,223 |
| Net operating income to assets | 1.4213% | 1,360 |
| Return on assets (ROA) | 1.4271% | 1,339 |
| Pretax return on assets | 1.4690% | 1,875 |
| Return on Equity (ROE) | 13.1836% | 1,279 |
| Retained earnings to average equity (ytd only) | 8.1130% | 1,183 |
| Net charge-offs to loans | -0.0161% | 4,630 |
| Credit loss provision to net charge-offs | -600.0000% | 4,664 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.2690% | 4,124 |
| Assets per employee ($millions) | 7.3354% | 856 |
| Cash dividends to net income (ytd only)* | 38.4615% | 2,612 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5340% | 1,188 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 48.1285% | 4,627 |
| Net loans and leases to deposits | 54.1204% | 4,744 |
| Net loans and leases to core deposits | 54.4195% | 4,834 |
| Total domestic deposits to total assets | 88.9285% | 890 |
| Equity capital to assets | 10.8690% | 2,826 |
| Core capital (leverage) ratio | 10.9083% | 2,614 |
| Tier 1 risk-based capital ratio | 22.1008% | 1,018 |
| Total risk-based capital ratio | 23.3517% | 996 |
| Memoranda: | ||
| Average total assets | $50,101,600 | 4,932 |
| Average earning assets | $48,385,200 | 4,885 |
| Average equity | $5,423,400 | 4,983 |
| Average total loans | $24,919,800 | 4,943 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5949% | 4,815 |
| Cost of funding earning assets | 0.1220% | 5,301 |
| Net interest margin | 3.4730% | 3,793 |
| Noninterest income to average assets | 0.2598% | 4,416 |
| Noninterest expense to average assets | 2.0539% | 4,646 |
| Loan and lease loss provision to assets | 0.0482% | 3,028 |
| Net operating income to assets | 1.4728% | 1,263 |
| Return on assets (ROA) | 1.4728% | 1,265 |
| Pretax return on assets | 1.5130% | 1,858 |
| Return on Equity (ROE) | 13.6204% | 1,229 |
| Retained earnings to average equity (ytd only) | 13.6204% | 292 |
| Net charge-offs to loans | -0.0161% | 4,551 |
| Credit loss provision to net charge-offs | -600.0000% | 4,531 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.8148% | 4,274 |
| Assets per employee ($millions) | 7.6703% | 722 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4835% | 1,403 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 46.7518% | 4,767 |
| Net loans and leases to deposits | 52.4543% | 4,874 |
| Net loans and leases to core deposits | 52.4543% | 4,954 |
| Total domestic deposits to total assets | 89.1287% | 802 |
| Equity capital to assets | 10.4913% | 3,151 |
| Core capital (leverage) ratio | 10.9905% | 2,584 |
| Tier 1 risk-based capital ratio | 21.9259% | 1,060 |
| Total risk-based capital ratio | 23.1769% | 1,040 |
| Memoranda: | ||
| Average total assets | $49,790,000 | 4,991 |
| Average earning assets | $48,103,750 | 4,949 |
| Average equity | $5,384,000 | 5,043 |
| Average total loans | $24,875,250 | 4,999 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6060% | 4,758 |
| Cost of funding earning assets | 0.1195% | 5,346 |
| Net interest margin | 3.4865% | 3,681 |
| Noninterest income to average assets | 0.2681% | 4,394 |
| Noninterest expense to average assets | 2.1077% | 4,586 |
| Loan and lease loss provision to assets | 0.0495% | 2,923 |
| Net operating income to assets | 1.4394% | 1,310 |
| Return on assets (ROA) | 1.4354% | 1,327 |
| Pretax return on assets | 1.4766% | 1,906 |
| Return on Equity (ROE) | 13.1296% | 1,327 |
| Retained earnings to average equity (ytd only) | 13.1296% | 364 |
| Net charge-offs to loans | -0.0162% | 4,484 |
| Credit loss provision to net charge-offs | -600.0000% | 4,393 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9365% | 4,242 |
| Assets per employee ($millions) | 7.4874% | 767 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4819% | 1,454 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 47.0598% | 4,764 |
| Net loans and leases to deposits | 52.5996% | 4,895 |
| Net loans and leases to core deposits | 52.5996% | 4,975 |
| Total domestic deposits to total assets | 89.4681% | 752 |
| Equity capital to assets | 10.3411% | 3,292 |
| Core capital (leverage) ratio | 10.7781% | 2,726 |
| Tier 1 risk-based capital ratio | 21.7333% | 1,074 |
| Total risk-based capital ratio | 22.9834% | 1,049 |
| Memoranda: | ||
| Average total assets | $48,489,330 | 5,080 |
| Average earning assets | $46,866,670 | 5,024 |
| Average equity | $5,301,000 | 5,114 |
| Average total loans | $24,673,670 | 5,066 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5355% | 4,814 |
| Cost of funding earning assets | 0.1241% | 5,377 |
| Net interest margin | 3.4115% | 3,845 |
| Noninterest income to average assets | 0.2923% | 4,211 |
| Noninterest expense to average assets | 2.2180% | 4,374 |
| Loan and lease loss provision to assets | 0.0516% | 2,744 |
| Net operating income to assets | 1.2895% | 1,677 |
| Return on assets (ROA) | 1.2895% | 1,681 |
| Pretax return on assets | 1.3325% | 2,239 |
| Return on Equity (ROE) | 11.4471% | 1,792 |
| Retained earnings to average equity (ytd only) | 11.4471% | 798 |
| Net charge-offs to loans | -0.0163% | 4,454 |
| Credit loss provision to net charge-offs | -600.0000% | 4,048 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5752% | 3,861 |
| Assets per employee ($millions) | 6.8677% | 1,018 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4590% | 1,620 |
| Loan loss allowance to noncurrent loans | 520.0000% | 1,059 |
| Noncurrent assets plus other real estate owned to assets | 0.1456% | 4,354 |
| Noncurrent loans to loans | 0.2806% | 3,765 |
| Net loans and leases to total assets | 51.1378% | 4,492 |
| Net loans and leases to deposits | 57.5374% | 4,610 |
| Net loans and leases to core deposits | 57.5374% | 4,773 |
| Total domestic deposits to total assets | 88.8776% | 1,159 |
| Equity capital to assets | 10.9747% | 2,609 |
| Core capital (leverage) ratio | 11.2765% | 2,187 |
| Tier 1 risk-based capital ratio | 21.0679% | 1,195 |
| Total risk-based capital ratio | 22.3197% | 1,168 |
| Memoranda: | ||
| Average total assets | $46,528,000 | 5,174 |
| Average earning assets | $45,141,500 | 5,127 |
| Average equity | $5,241,500 | 5,182 |
| Average total loans | $24,492,500 | 5,128 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3933% | 4,952 |
| Cost of funding earning assets | 0.1132% | 5,444 |
| Net interest margin | 3.2802% | 4,215 |
| Noninterest income to average assets | 0.2639% | 4,553 |
| Noninterest expense to average assets | 2.2581% | 4,425 |
| Loan and lease loss provision to assets | 0.0065% | 4,137 |
| Net operating income to assets | 1.0914% | 1,883 |
| Return on assets (ROA) | 1.1226% | 1,812 |
| Pretax return on assets | 1.1658% | 2,917 |
| Return on Equity (ROE) | 10.0406% | 1,865 |
| Retained earnings to average equity (ytd only) | 5.2041% | 2,000 |
| Net charge-offs to loans | -0.0126% | 4,850 |
| Credit loss provision to net charge-offs | -100.0000% | 4,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4545% | 3,180 |
| Assets per employee ($millions) | 6.4260% | 1,249 |
| Cash dividends to net income (ytd only)* | 48.1696% | 2,402 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4852% | 1,457 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 52.6433% | 4,474 |
| Net loans and leases to deposits | 67.9835% | 4,030 |
| Net loans and leases to core deposits | 67.9835% | 4,294 |
| Total domestic deposits to total assets | 77.4354% | 4,803 |
| Equity capital to assets | 11.5757% | 2,135 |
| Core capital (leverage) ratio | 10.9759% | 2,362 |
| Tier 1 risk-based capital ratio | 21.3377% | 1,088 |
| Total risk-based capital ratio | 22.5893% | 1,067 |
| Memoranda: | ||
| Average total assets | $46,234,000 | 5,222 |
| Average earning assets | $44,174,800 | 5,186 |
| Average equity | $5,169,000 | 5,242 |
| Average total loans | $23,745,800 | 5,203 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3143% | 5,099 |
| Cost of funding earning assets | 0.1084% | 5,526 |
| Net interest margin | 3.2059% | 4,437 |
| Noninterest income to average assets | 0.2693% | 4,582 |
| Noninterest expense to average assets | 2.1941% | 4,530 |
| Loan and lease loss provision to assets | 0.0086% | 3,957 |
| Net operating income to assets | 1.0782% | 2,188 |
| Return on assets (ROA) | 1.1171% | 2,072 |
| Pretax return on assets | 1.1572% | 3,084 |
| Return on Equity (ROE) | 10.0783% | 2,097 |
| Retained earnings to average equity (ytd only) | 10.0783% | 569 |
| Net charge-offs to loans | -0.0113% | 4,664 |
| Credit loss provision to net charge-offs | -150.0000% | 4,574 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0915% | 3,192 |
| Assets per employee ($millions) | 7.2113% | 865 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3826% | 1,964 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 50.3041% | 4,676 |
| Net loans and leases to deposits | 56.4314% | 4,854 |
| Net loans and leases to core deposits | 56.4314% | 4,977 |
| Total domestic deposits to total assets | 89.1420% | 809 |
| Equity capital to assets | 10.6222% | 3,244 |
| Core capital (leverage) ratio | 11.2368% | 2,233 |
| Tier 1 risk-based capital ratio | 20.2448% | 1,316 |
| Total risk-based capital ratio | 21.4949% | 1,285 |
| Memoranda: | ||
| Average total assets | $46,547,000 | 5,278 |
| Average earning assets | $44,291,750 | 5,241 |
| Average equity | $5,159,500 | 5,302 |
| Average total loans | $23,673,000 | 5,257 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2972% | 5,114 |
| Cost of funding earning assets | 0.1071% | 5,571 |
| Net interest margin | 3.1901% | 4,449 |
| Noninterest income to average assets | 0.2741% | 4,585 |
| Noninterest expense to average assets | 2.2327% | 4,495 |
| Loan and lease loss provision to assets | 0.0133% | 3,689 |
| Net operating income to assets | 1.0194% | 2,336 |
| Return on assets (ROA) | 1.0788% | 2,132 |
| Pretax return on assets | 1.1186% | 3,097 |
| Return on Equity (ROE) | 9.5837% | 2,226 |
| Retained earnings to average equity (ytd only) | 9.5837% | 680 |
| Net charge-offs to loans | -0.0087% | 4,488 |
| Credit loss provision to net charge-offs | -300.0000% | 4,549 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6037% | 3,079 |
| Assets per employee ($millions) | 6.0146% | 1,454 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5570% | 1,372 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 46.7797% | 4,898 |
| Net loans and leases to deposits | 52.6563% | 5,031 |
| Net loans and leases to core deposits | 52.6563% | 5,125 |
| Total domestic deposits to total assets | 88.8397% | 1,041 |
| Equity capital to assets | 10.9608% | 2,847 |
| Core capital (leverage) ratio | 10.9332% | 2,477 |
| Tier 1 risk-based capital ratio | 21.9055% | 1,061 |
| Total risk-based capital ratio | 23.1545% | 1,043 |
| Memoranda: | ||
| Average total assets | $45,236,330 | 5,338 |
| Average earning assets | $42,946,000 | 5,308 |
| Average equity | $5,092,000 | 5,347 |
| Average total loans | $22,981,000 | 5,317 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2012% | 5,247 |
| Cost of funding earning assets | 0.0961% | 5,666 |
| Net interest margin | 3.1050% | 4,637 |
| Noninterest income to average assets | 0.3014% | 4,404 |
| Noninterest expense to average assets | 2.3016% | 4,403 |
| Loan and lease loss provision to assets | 0.0274% | 3,218 |
| Net operating income to assets | 0.8772% | 2,868 |
| Return on assets (ROA) | 0.8859% | 2,880 |
| Pretax return on assets | 0.9316% | 3,653 |
| Return on Equity (ROE) | 7.7584% | 3,036 |
| Retained earnings to average equity (ytd only) | 7.7584% | 1,552 |
| Net charge-offs to loans | -0.0174% | 4,667 |
| Credit loss provision to net charge-offs | -300.0000% | 4,114 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7865% | 2,781 |
| Assets per employee ($millions) | 6.7093% | 1,078 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5588% | 1,483 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 47.7355% | 4,846 |
| Net loans and leases to deposits | 53.6186% | 4,957 |
| Net loans and leases to core deposits | 53.6186% | 5,080 |
| Total domestic deposits to total assets | 89.0280% | 1,125 |
| Equity capital to assets | 10.8379% | 2,815 |
| Core capital (leverage) ratio | 11.9569% | 1,659 |
| Tier 1 risk-based capital ratio | 20.8305% | 1,244 |
| Total risk-based capital ratio | 22.0806% | 1,221 |
| Memoranda: | ||
| Average total assets | $43,796,000 | 5,428 |
| Average earning assets | $41,610,000 | 5,392 |
| Average equity | $5,001,000 | 5,417 |
| Average total loans | $23,039,000 | 5,372 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6166% | 4,470 |
| Cost of funding earning assets | 0.1029% | 5,691 |
| Net interest margin | 3.5137% | 3,377 |
| Noninterest income to average assets | 0.3047% | 4,562 |
| Noninterest expense to average assets | 2.4591% | 4,132 |
| Loan and lease loss provision to assets | 0.0286% | 3,781 |
| Net operating income to assets | 1.1114% | 1,856 |
| Return on assets (ROA) | 1.1783% | 1,673 |
| Pretax return on assets | 1.2188% | 2,592 |
| Return on Equity (ROE) | 10.0316% | 1,948 |
| Retained earnings to average equity (ytd only) | 4.9651% | 2,366 |
| Net charge-offs to loans | -0.1501% | 5,684 |
| Credit loss provision to net charge-offs | -33.3333% | 4,790 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6047% | 3,322 |
| Assets per employee ($millions) | 5.8039% | 1,617 |
| Cash dividends to net income (ytd only)* | 50.5051% | 2,274 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5105% | 1,627 |
| Loan loss allowance to noncurrent loans | 11,733.3333% | 78 |
| Noncurrent assets plus other real estate owned to assets | 0.0074% | 5,386 |
| Noncurrent loans to loans | 0.0129% | 5,229 |
| Net loans and leases to total assets | 56.4944% | 4,218 |
| Net loans and leases to deposits | 64.3346% | 4,383 |
| Net loans and leases to core deposits | 64.3346% | 4,616 |
| Total domestic deposits to total assets | 87.8135% | 1,732 |
| Equity capital to assets | 12.0905% | 1,746 |
| Core capital (leverage) ratio | 11.8851% | 1,674 |
| Tier 1 risk-based capital ratio | 18.3191% | 1,772 |
| Total risk-based capital ratio | 19.5670% | 1,738 |
| Memoranda: | ||
| Average total assets | $42,008,000 | 5,508 |
| Average earning assets | $39,844,000 | 5,473 |
| Average equity | $4,934,400 | 5,478 |
| Average total loans | $23,984,800 | 5,394 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6002% | 4,553 |
| Cost of funding earning assets | 0.1028% | 5,756 |
| Net interest margin | 3.4974% | 3,476 |
| Noninterest income to average assets | 0.3085% | 4,565 |
| Noninterest expense to average assets | 2.4145% | 4,243 |
| Loan and lease loss provision to assets | 0.0378% | 3,485 |
| Net operating income to assets | 1.1358% | 1,860 |
| Return on assets (ROA) | 1.1962% | 1,749 |
| Pretax return on assets | 1.2403% | 2,651 |
| Return on Equity (ROE) | 10.2561% | 1,948 |
| Retained earnings to average equity (ytd only) | 10.2561% | 524 |
| Net charge-offs to loans | -0.1932% | 5,753 |
| Credit loss provision to net charge-offs | -34.2857% | 4,660 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5221% | 3,500 |
| Assets per employee ($millions) | 5.2701% | 2,079 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5017% | 1,762 |
| Loan loss allowance to noncurrent loans | 17,550.0000% | 39 |
| Noncurrent assets plus other real estate owned to assets | 0.0047% | 5,524 |
| Noncurrent loans to loans | 0.0086% | 5,375 |
| Net loans and leases to total assets | 54.6073% | 4,437 |
| Net loans and leases to deposits | 62.2630% | 4,614 |
| Net loans and leases to core deposits | 62.2630% | 4,812 |
| Total domestic deposits to total assets | 87.7043% | 1,553 |
| Equity capital to assets | 12.0277% | 2,099 |
| Core capital (leverage) ratio | 12.2651% | 1,502 |
| Tier 1 risk-based capital ratio | 18.7242% | 1,729 |
| Total risk-based capital ratio | 19.9739% | 1,698 |
| Memoranda: | ||
| Average total assets | $42,353,250 | 5,557 |
| Average earning assets | $40,219,250 | 5,520 |
| Average equity | $4,940,000 | 5,535 |
| Average total loans | $24,155,000 | 5,440 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6135% | 4,554 |
| Cost of funding earning assets | 0.0986% | 5,858 |
| Net interest margin | 3.5149% | 3,432 |
| Noninterest income to average assets | 0.3206% | 4,488 |
| Noninterest expense to average assets | 2.4000% | 4,334 |
| Loan and lease loss provision to assets | 0.0566% | 3,009 |
| Net operating income to assets | 1.1846% | 1,657 |
| Return on assets (ROA) | 1.2212% | 1,625 |
| Pretax return on assets | 1.2636% | 2,548 |
| Return on Equity (ROE) | 10.5794% | 1,815 |
| Retained earnings to average equity (ytd only) | 10.5794% | 495 |
| Net charge-offs to loans | -0.2785% | 5,873 |
| Credit loss provision to net charge-offs | -35.2941% | 4,502 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1729% | 3,816 |
| Assets per employee ($millions) | 5.4250% | 1,864 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4962% | 1,878 |
| Loan loss allowance to noncurrent loans | 17,500.0000% | 38 |
| Noncurrent assets plus other real estate owned to assets | 0.0046% | 5,622 |
| Noncurrent loans to loans | 0.0085% | 5,471 |
| Net loans and leases to total assets | 53.0945% | 4,578 |
| Net loans and leases to deposits | 60.1519% | 4,789 |
| Net loans and leases to core deposits | 60.1519% | 4,972 |
| Total domestic deposits to total assets | 88.2673% | 1,290 |
| Equity capital to assets | 11.5323% | 2,513 |
| Core capital (leverage) ratio | 11.5935% | 1,916 |
| Tier 1 risk-based capital ratio | 19.1254% | 1,663 |
| Total risk-based capital ratio | 20.3759% | 1,632 |
| Memoranda: | ||
| Average total assets | $42,417,330 | 5,619 |
| Average earning assets | $40,570,330 | 5,573 |
| Average equity | $4,896,330 | 5,599 |
| Average total loans | $24,415,330 | 5,483 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6138% | 4,586 |
| Cost of funding earning assets | 0.1089% | 5,874 |
| Net interest margin | 3.5049% | 3,462 |
| Noninterest income to average assets | 0.3530% | 4,203 |
| Noninterest expense to average assets | 2.4042% | 4,353 |
| Loan and lease loss provision to assets | 0.0572% | 2,801 |
| Net operating income to assets | 1.2216% | 1,486 |
| Return on assets (ROA) | 1.2307% | 1,560 |
| Pretax return on assets | 1.2784% | 2,394 |
| Return on Equity (ROE) | 10.6568% | 1,726 |
| Retained earnings to average equity (ytd only) | 10.6568% | 713 |
| Net charge-offs to loans | -0.0160% | 4,751 |
| Credit loss provision to net charge-offs | -600.0000% | 4,603 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4501% | 4,051 |
| Assets per employee ($millions) | 5.2349% | 2,100 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2279% | 3,320 |
| Loan loss allowance to noncurrent loans | 4,442.8571% | 173 |
| Noncurrent assets plus other real estate owned to assets | 0.0167% | 5,590 |
| Noncurrent loans to loans | 0.0276% | 5,384 |
| Net loans and leases to total assets | 59.7340% | 3,814 |
| Net loans and leases to deposits | 68.4301% | 4,014 |
| Net loans and leases to core deposits | 68.4301% | 4,359 |
| Total domestic deposits to total assets | 87.2920% | 2,055 |
| Equity capital to assets | 11.7052% | 2,242 |
| Core capital (leverage) ratio | 11.6800% | 1,842 |
| Tier 1 risk-based capital ratio | 17.2274% | 2,201 |
| Total risk-based capital ratio | 18.3172% | 2,227 |
| Memoranda: | ||
| Average total assets | $41,926,000 | 5,675 |
| Average earning assets | $40,401,000 | 5,627 |
| Average equity | $4,842,000 | 5,651 |
| Average total loans | $24,926,500 | 5,509 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4878% | 4,951 |
| Cost of funding earning assets | 0.1030% | 5,950 |
| Net interest margin | 3.3848% | 3,965 |
| Noninterest income to average assets | 0.3036% | 4,710 |
| Noninterest expense to average assets | 2.3511% | 4,646 |
| Loan and lease loss provision to assets | 0.0565% | 3,179 |
| Net operating income to assets | 1.1016% | 1,920 |
| Return on assets (ROA) | 1.1061% | 1,961 |
| Pretax return on assets | 1.1485% | 2,848 |
| Return on Equity (ROE) | 9.8166% | 2,079 |
| Retained earnings to average equity (ytd only) | 4.5950% | 2,712 |
| Net charge-offs to loans | -0.0213% | 5,289 |
| Credit loss provision to net charge-offs | -480.0000% | 5,435 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2028% | 3,872 |
| Assets per employee ($millions) | 5.2466% | 2,065 |
| Cash dividends to net income (ytd only)* | 53.1915% | 2,124 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2395% | 3,250 |
| Loan loss allowance to noncurrent loans | 1,013.3333% | 594 |
| Noncurrent assets plus other real estate owned to assets | 0.0715% | 5,351 |
| Noncurrent loans to loans | 0.1223% | 5,003 |
| Net loans and leases to total assets | 57.7085% | 4,122 |
| Net loans and leases to deposits | 65.5552% | 4,350 |
| Net loans and leases to core deposits | 65.5552% | 4,624 |
| Total domestic deposits to total assets | 88.0304% | 1,608 |
| Equity capital to assets | 11.3930% | 2,453 |
| Core capital (leverage) ratio | 10.8942% | 2,499 |
| Tier 1 risk-based capital ratio | 17.1293% | 2,241 |
| Total risk-based capital ratio | 18.2166% | 2,244 |
| Memoranda: | ||
| Average total assets | $42,491,000 | 5,716 |
| Average earning assets | $40,770,400 | 5,655 |
| Average equity | $4,787,800 | 5,703 |
| Average total loans | $23,424,200 | 5,611 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4464% | 5,105 |
| Cost of funding earning assets | 0.1012% | 6,052 |
| Net interest margin | 3.3453% | 4,160 |
| Noninterest income to average assets | 0.3191% | 4,657 |
| Noninterest expense to average assets | 2.3275% | 4,715 |
| Loan and lease loss provision to assets | 0.0563% | 3,064 |
| Net operating income to assets | 1.1012% | 1,997 |
| Return on assets (ROA) | 1.1012% | 2,082 |
| Pretax return on assets | 1.1418% | 3,047 |
| Return on Equity (ROE) | 9.7994% | 2,180 |
| Retained earnings to average equity (ytd only) | 9.7994% | 670 |
| Net charge-offs to loans | -0.0230% | 5,250 |
| Credit loss provision to net charge-offs | -450.0000% | 5,338 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0160% | 3,888 |
| Assets per employee ($millions) | 5.3421% | 1,918 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2301% | 3,484 |
| Loan loss allowance to noncurrent loans | 1,100.0000% | 524 |
| Noncurrent assets plus other real estate owned to assets | 0.0632% | 5,519 |
| Noncurrent loans to loans | 0.1118% | 5,184 |
| Net loans and leases to total assets | 55.7994% | 4,377 |
| Net loans and leases to deposits | 63.3151% | 4,618 |
| Net loans and leases to core deposits | 63.3151% | 4,849 |
| Total domestic deposits to total assets | 88.1297% | 1,489 |
| Equity capital to assets | 11.5965% | 2,423 |
| Core capital (leverage) ratio | 11.3033% | 2,194 |
| Tier 1 risk-based capital ratio | 17.2172% | 2,288 |
| Total risk-based capital ratio | 18.2566% | 2,320 |
| Memoranda: | ||
| Average total assets | $42,620,500 | 5,790 |
| Average earning assets | $40,852,750 | 5,729 |
| Average equity | $4,789,250 | 5,780 |
| Average total loans | $23,148,750 | 5,689 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3818% | 5,266 |
| Cost of funding earning assets | 0.0980% | 6,140 |
| Net interest margin | 3.2838% | 4,359 |
| Noninterest income to average assets | 0.3147% | 4,701 |
| Noninterest expense to average assets | 2.3343% | 4,762 |
| Loan and lease loss provision to assets | 0.0564% | 2,974 |
| Net operating income to assets | 1.0286% | 2,240 |
| Return on assets (ROA) | 1.0286% | 2,355 |
| Pretax return on assets | 1.0709% | 3,295 |
| Return on Equity (ROE) | 9.2529% | 2,409 |
| Retained earnings to average equity (ytd only) | 9.2529% | 846 |
| Net charge-offs to loans | -0.0175% | 5,125 |
| Credit loss provision to net charge-offs | -600.0000% | 5,245 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4355% | 3,760 |
| Assets per employee ($millions) | 5.4948% | 1,742 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2183% | 3,680 |
| Loan loss allowance to noncurrent loans | 2,057.1429% | 284 |
| Noncurrent assets plus other real estate owned to assets | 0.0318% | 5,741 |
| Noncurrent loans to loans | 0.0592% | 5,496 |
| Net loans and leases to total assets | 53.1234% | 4,644 |
| Net loans and leases to deposits | 59.7834% | 4,867 |
| Net loans and leases to core deposits | 59.7834% | 5,084 |
| Total domestic deposits to total assets | 88.8598% | 1,211 |
| Equity capital to assets | 10.9377% | 2,950 |
| Core capital (leverage) ratio | 10.9698% | 2,456 |
| Tier 1 risk-based capital ratio | 18.7799% | 1,847 |
| Total risk-based capital ratio | 19.9098% | 1,843 |
| Memoranda: | ||
| Average total assets | $42,581,670 | 5,853 |
| Average earning assets | $40,807,000 | 5,790 |
| Average equity | $4,733,670 | 5,846 |
| Average total loans | $22,817,000 | 5,749 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3844% | 5,237 |
| Cost of funding earning assets | 0.0995% | 6,212 |
| Net interest margin | 3.2848% | 4,279 |
| Noninterest income to average assets | 0.3533% | 4,376 |
| Noninterest expense to average assets | 2.3775% | 4,662 |
| Loan and lease loss provision to assets | 0.0573% | 2,786 |
| Net operating income to assets | 1.0216% | 2,157 |
| Return on assets (ROA) | 1.0216% | 2,305 |
| Pretax return on assets | 1.0694% | 3,220 |
| Return on Equity (ROE) | 9.1132% | 2,393 |
| Retained earnings to average equity (ytd only) | 9.1132% | 1,157 |
| Net charge-offs to loans | -0.0179% | 4,990 |
| Credit loss provision to net charge-offs | -600.0000% | 4,855 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8474% | 3,853 |
| Assets per employee ($millions) | 5.3325% | 1,960 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2494% | 3,689 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 52.2457% | 4,645 |
| Net loans and leases to deposits | 58.9069% | 4,837 |
| Net loans and leases to core deposits | 58.9069% | 5,072 |
| Total domestic deposits to total assets | 88.6920% | 1,455 |
| Equity capital to assets | 11.1533% | 2,805 |
| Core capital (leverage) ratio | 11.1400% | 2,278 |
| Tier 1 risk-based capital ratio | 16.8401% | 2,538 |
| Total risk-based capital ratio | 17.8557% | 2,586 |
| Memoranda: | ||
| Average total assets | $41,893,500 | 5,918 |
| Average earning assets | $40,184,500 | 5,863 |
| Average equity | $4,696,500 | 5,906 |
| Average total loans | $22,405,500 | 5,810 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4417% | 5,443 |
| Cost of funding earning assets | 0.1139% | 6,281 |
| Net interest margin | 3.3278% | 4,479 |
| Noninterest income to average assets | 0.3392% | 4,683 |
| Noninterest expense to average assets | 2.3915% | 4,866 |
| Loan and lease loss provision to assets | 0.0577% | 3,386 |
| Net operating income to assets | 1.0173% | 2,306 |
| Return on assets (ROA) | 1.1597% | 1,796 |
| Pretax return on assets | 1.2006% | 2,649 |
| Return on Equity (ROE) | 10.4474% | 1,932 |
| Retained earnings to average equity (ytd only) | 4.5951% | 2,908 |
| Net charge-offs to loans | 0.0231% | 4,377 |
| Credit loss provision to net charge-offs | 480.0000% | 544 |
| Earnings coverage of net charge-offs (x) | 92.4000% | 563 |
| Efficiency ratio | 68.2692% | 3,853 |
| Assets per employee ($millions) | 5.1409% | 2,132 |
| Cash dividends to net income (ytd only)* | 56.0166% | 1,951 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2365% | 3,784 |
| Loan loss allowance to noncurrent loans | 1,718.7500% | 385 |
| Noncurrent assets plus other real estate owned to assets | 0.0389% | 5,885 |
| Noncurrent loans to loans | 0.0719% | 5,590 |
| Net loans and leases to total assets | 53.4102% | 4,651 |
| Net loans and leases to deposits | 60.2485% | 4,885 |
| Net loans and leases to core deposits | 60.2485% | 5,129 |
| Total domestic deposits to total assets | 88.6498% | 1,444 |
| Equity capital to assets | 11.2627% | 2,636 |
| Core capital (leverage) ratio | 10.9292% | 2,470 |
| Tier 1 risk-based capital ratio | 19.6547% | 1,669 |
| Total risk-based capital ratio | 20.8387% | 1,656 |
| Memoranda: | ||
| Average total assets | $41,564,200 | 5,997 |
| Average earning assets | $39,515,600 | 5,932 |
| Average equity | $4,613,600 | 5,954 |
| Average total loans | $21,634,600 | 5,896 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4352% | 5,529 |
| Cost of funding earning assets | 0.1146% | 6,359 |
| Net interest margin | 3.3205% | 4,533 |
| Noninterest income to average assets | 0.3487% | 4,652 |
| Noninterest expense to average assets | 2.3740% | 4,902 |
| Loan and lease loss provision to assets | 0.0576% | 3,216 |
| Net operating income to assets | 1.0312% | 2,319 |
| Return on assets (ROA) | 1.2094% | 1,718 |
| Pretax return on assets | 1.2542% | 2,558 |
| Return on Equity (ROE) | 10.9349% | 1,813 |
| Retained earnings to average equity (ytd only) | 10.9349% | 524 |
| Net charge-offs to loans | 0.0372% | 3,747 |
| Credit loss provision to net charge-offs | 300.0000% | 905 |
| Earnings coverage of net charge-offs (x) | 58.6650% | 880 |
| Efficiency ratio | 67.8245% | 3,891 |
| Assets per employee ($millions) | 5.2721% | 1,931 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2307% | 4,069 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 50.9946% | 4,894 |
| Net loans and leases to deposits | 57.7923% | 5,118 |
| Net loans and leases to core deposits | 57.7923% | 5,345 |
| Total domestic deposits to total assets | 88.2377% | 1,638 |
| Equity capital to assets | 11.5086% | 2,477 |
| Core capital (leverage) ratio | 11.2328% | 2,283 |
| Tier 1 risk-based capital ratio | 20.2327% | 1,609 |
| Total risk-based capital ratio | 21.3791% | 1,607 |
| Memoranda: | ||
| Average total assets | $41,673,500 | 6,062 |
| Average earning assets | $39,550,750 | 6,002 |
| Average equity | $4,609,000 | 6,017 |
| Average total loans | $21,483,000 | 5,968 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4581% | 5,499 |
| Cost of funding earning assets | 0.1173% | 6,423 |
| Net interest margin | 3.3408% | 4,438 |
| Noninterest income to average assets | 0.3518% | 4,612 |
| Noninterest expense to average assets | 2.3852% | 4,922 |
| Loan and lease loss provision to assets | 0.0578% | 3,134 |
| Net operating income to assets | 1.0244% | 2,225 |
| Return on assets (ROA) | 1.0938% | 2,027 |
| Pretax return on assets | 1.1372% | 2,943 |
| Return on Equity (ROE) | 10.0280% | 2,139 |
| Retained earnings to average equity (ytd only) | 10.0280% | 709 |
| Net charge-offs to loans | 0.0561% | 3,161 |
| Credit loss provision to net charge-offs | 200.0000% | 1,157 |
| Earnings coverage of net charge-offs (x) | 38.8333% | 1,078 |
| Efficiency ratio | 67.9945% | 4,010 |
| Assets per employee ($millions) | 5.2443% | 1,922 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2539% | 4,136 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 48.9918% | 5,076 |
| Net loans and leases to deposits | 55.3003% | 5,253 |
| Net loans and leases to core deposits | 55.3003% | 5,457 |
| Total domestic deposits to total assets | 88.5923% | 1,586 |
| Equity capital to assets | 11.2027% | 2,693 |
| Core capital (leverage) ratio | 10.8206% | 2,605 |
| Tier 1 risk-based capital ratio | 20.4585% | 1,578 |
| Total risk-based capital ratio | 21.6249% | 1,571 |
| Memoranda: | ||
| Average total assets | $41,505,670 | 6,123 |
| Average earning assets | $39,212,670 | 6,070 |
| Average equity | $4,527,330 | 6,087 |
| Average total loans | $21,385,330 | 6,019 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5000% | 5,428 |
| Cost of funding earning assets | 0.1239% | 6,479 |
| Net interest margin | 3.3761% | 4,237 |
| Noninterest income to average assets | 0.4070% | 4,125 |
| Noninterest expense to average assets | 2.4321% | 4,837 |
| Loan and lease loss provision to assets | 0.0581% | 2,951 |
| Net operating income to assets | 1.0383% | 2,051 |
| Return on assets (ROA) | 1.0755% | 1,978 |
| Pretax return on assets | 1.1240% | 2,799 |
| Return on Equity (ROE) | 9.9977% | 2,039 |
| Retained earnings to average equity (ytd only) | 9.9977% | 961 |
| Net charge-offs to loans | -0.0185% | 5,315 |
| Credit loss provision to net charge-offs | -600.0000% | 5,219 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0217% | 4,178 |
| Assets per employee ($millions) | 5.1503% | 2,066 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2235% | 4,530 |
| Loan loss allowance to noncurrent loans | 2,922.2222% | 200 |
| Noncurrent assets plus other real estate owned to assets | 0.0218% | 6,237 |
| Noncurrent loans to loans | 0.0419% | 6,024 |
| Net loans and leases to total assets | 51.5339% | 4,727 |
| Net loans and leases to deposits | 57.9551% | 4,954 |
| Net loans and leases to core deposits | 57.9551% | 5,204 |
| Total domestic deposits to total assets | 88.9204% | 1,710 |
| Equity capital to assets | 10.9582% | 2,756 |
| Core capital (leverage) ratio | 10.8740% | 2,522 |
| Tier 1 risk-based capital ratio | 19.2970% | 1,879 |
| Total risk-based capital ratio | 20.4341% | 1,875 |
| Memoranda: | ||
| Average total assets | $41,281,500 | 6,189 |
| Average earning assets | $38,742,500 | 6,138 |
| Average equity | $4,441,000 | 6,150 |
| Average total loans | $21,670,500 | 6,063 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5345% | 5,570 |
| Cost of funding earning assets | 0.2052% | 6,260 |
| Net interest margin | 3.3293% | 4,553 |
| Noninterest income to average assets | 0.3689% | 4,668 |
| Noninterest expense to average assets | 2.3532% | 5,225 |
| Loan and lease loss provision to assets | 0.0579% | 3,984 |
| Net operating income to assets | 1.0882% | 1,968 |
| Return on assets (ROA) | 1.1935% | 1,659 |
| Pretax return on assets | 1.2345% | 2,438 |
| Return on Equity (ROE) | 11.8178% | 1,479 |
| Retained earnings to average equity (ytd only) | 11.8178% | 334 |
| Net charge-offs to loans | 0.1316% | 3,492 |
| Credit loss provision to net charge-offs | 80.0000% | 3,044 |
| Earnings coverage of net charge-offs (x) | 16.3667% | 1,805 |
| Efficiency ratio | 66.5303% | 4,465 |
| Assets per employee ($millions) | 5.1701% | 1,988 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1719% | 4,803 |
| Loan loss allowance to noncurrent loans | 2,844.4444% | 224 |
| Noncurrent assets plus other real estate owned to assets | 0.0218% | 6,340 |
| Noncurrent loans to loans | 0.0412% | 6,121 |
| Net loans and leases to total assets | 52.1965% | 4,822 |
| Net loans and leases to deposits | 58.3992% | 5,088 |
| Net loans and leases to core deposits | 58.9107% | 5,315 |
| Total domestic deposits to total assets | 89.3789% | 1,395 |
| Equity capital to assets | 10.5583% | 3,086 |
| Core capital (leverage) ratio | 10.3528% | 3,086 |
| Tier 1 risk-based capital ratio | 18.2926% | 2,149 |
| Total risk-based capital ratio | 19.3687% | 2,174 |
| Memoranda: | ||
| Average total assets | $41,475,200 | 6,241 |
| Average earning assets | $39,467,800 | 6,186 |
| Average equity | $4,188,600 | 6,285 |
| Average total loans | $22,794,600 | 6,086 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5081% | 5,669 |
| Cost of funding earning assets | 0.2155% | 6,314 |
| Net interest margin | 3.2926% | 4,669 |
| Noninterest income to average assets | 0.3662% | 4,770 |
| Noninterest expense to average assets | 2.3066% | 5,323 |
| Loan and lease loss provision to assets | 0.0578% | 3,894 |
| Net operating income to assets | 1.1019% | 1,999 |
| Return on assets (ROA) | 1.1790% | 1,774 |
| Pretax return on assets | 1.2240% | 2,605 |
| Return on Equity (ROE) | 11.8079% | 1,538 |
| Retained earnings to average equity (ytd only) | 11.8079% | 447 |
| Net charge-offs to loans | 0.1737% | 2,836 |
| Credit loss provision to net charge-offs | 60.0000% | 3,298 |
| Earnings coverage of net charge-offs (x) | 12.4663% | 2,131 |
| Efficiency ratio | 65.7509% | 4,530 |
| Assets per employee ($millions) | 5.3490% | 1,797 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0712% | 5,438 |
| Loan loss allowance to noncurrent loans | 2,766.6667% | 214 |
| Noncurrent assets plus other real estate owned to assets | 0.0210% | 6,428 |
| Noncurrent loans to loans | 0.0387% | 6,226 |
| Net loans and leases to total assets | 53.7390% | 4,653 |
| Net loans and leases to deposits | 59.8885% | 4,983 |
| Net loans and leases to core deposits | 60.3934% | 5,266 |
| Total domestic deposits to total assets | 89.7317% | 1,151 |
| Equity capital to assets | 10.0276% | 3,864 |
| Core capital (leverage) ratio | 9.9279% | 3,776 |
| Tier 1 risk-based capital ratio | 17.6203% | 2,475 |
| Total risk-based capital ratio | 18.6588% | 2,513 |
| Memoranda: | ||
| Average total assets | $41,503,750 | 6,312 |
| Average earning assets | $39,602,750 | 6,248 |
| Average equity | $4,144,000 | 6,366 |
| Average total loans | $23,032,000 | 6,139 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4817% | 5,732 |
| Cost of funding earning assets | 0.2233% | 6,350 |
| Net interest margin | 3.2584% | 4,738 |
| Noninterest income to average assets | 0.3701% | 4,748 |
| Noninterest expense to average assets | 2.3080% | 5,359 |
| Loan and lease loss provision to assets | 0.0584% | 3,834 |
| Net operating income to assets | 1.0884% | 1,964 |
| Return on assets (ROA) | 1.1491% | 1,863 |
| Pretax return on assets | 1.1930% | 2,707 |
| Return on Equity (ROE) | 11.5263% | 1,629 |
| Retained earnings to average equity (ytd only) | 11.5263% | 565 |
| Net charge-offs to loans | 0.2787% | 2,092 |
| Credit loss provision to net charge-offs | 37.5000% | 3,461 |
| Earnings coverage of net charge-offs (x) | 7.6250% | 2,520 |
| Efficiency ratio | 66.0167% | 4,540 |
| Assets per employee ($millions) | 5.4070% | 1,685 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0436% | 5,656 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 52.8320% | 4,763 |
| Net loans and leases to deposits | 58.5479% | 5,114 |
| Net loans and leases to core deposits | 59.0334% | 5,345 |
| Total domestic deposits to total assets | 90.2372% | 891 |
| Equity capital to assets | 9.5732% | 4,485 |
| Core capital (leverage) ratio | 9.7168% | 3,909 |
| Tier 1 risk-based capital ratio | 17.4517% | 2,533 |
| Total risk-based capital ratio | 18.4790% | 2,598 |
| Memoranda: | ||
| Average total assets | $41,074,330 | 6,375 |
| Average earning assets | $39,405,670 | 6,301 |
| Average equity | $4,095,000 | 6,428 |
| Average total loans | $22,961,000 | 6,173 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5194% | 5,659 |
| Cost of funding earning assets | 0.2409% | 6,341 |
| Net interest margin | 3.2785% | 4,594 |
| Noninterest income to average assets | 0.3802% | 4,623 |
| Noninterest expense to average assets | 2.2809% | 5,468 |
| Loan and lease loss provision to assets | 0.0600% | 3,639 |
| Net operating income to assets | 1.1237% | 1,766 |
| Return on assets (ROA) | 1.2005% | 1,633 |
| Pretax return on assets | 1.2505% | 2,410 |
| Return on Equity (ROE) | 11.7878% | 1,478 |
| Retained earnings to average equity (ytd only) | 11.7878% | 732 |
| Net charge-offs to loans | 0.5591% | 1,087 |
| Credit loss provision to net charge-offs | 18.7500% | 3,055 |
| Earnings coverage of net charge-offs (x) | 3.8438% | 2,662 |
| Efficiency ratio | 64.9573% | 4,829 |
| Assets per employee ($millions) | 5.0706% | 2,131 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0331% | 5,866 |
| Loan loss allowance to noncurrent loans | 23,500.0000% | 37 |
| Noncurrent assets plus other real estate owned to assets | 0.0025% | 6,646 |
| Noncurrent loans to loans | 0.0044% | 6,505 |
| Net loans and leases to total assets | 55.4961% | 4,171 |
| Net loans and leases to deposits | 61.9363% | 4,560 |
| Net loans and leases to core deposits | 62.4882% | 4,906 |
| Total domestic deposits to total assets | 89.6019% | 1,297 |
| Equity capital to assets | 10.2872% | 3,813 |
| Core capital (leverage) ratio | 9.9038% | 3,527 |
| Tier 1 risk-based capital ratio | 16.8228% | 2,845 |
| Total risk-based capital ratio | 17.8329% | 2,923 |
| Memoranda: | ||
| Average total assets | $39,983,500 | 6,459 |
| Average earning assets | $38,188,000 | 6,399 |
| Average equity | $4,072,000 | 6,497 |
| Average total loans | $22,894,500 | 6,229 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7598% | 5,928 |
| Cost of funding earning assets | 0.2974% | 6,465 |
| Net interest margin | 3.4624% | 4,661 |
| Noninterest income to average assets | 0.4032% | 4,585 |
| Noninterest expense to average assets | 2.4970% | 5,106 |
| Loan and lease loss provision to assets | 0.0401% | 5,366 |
| Net operating income to assets | 1.1320% | 1,836 |
| Return on assets (ROA) | 1.1846% | 1,812 |
| Pretax return on assets | 1.1846% | 2,851 |
| Return on Equity (ROE) | 12.6113% | 1,330 |
| Retained earnings to average equity (ytd only) | 12.6113% | 278 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0546% | 4,132 |
| Assets per employee ($millions) | 4.9253% | 2,322 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1371% | 5,395 |
| Loan loss allowance to noncurrent loans | 8,733.3333% | 87 |
| Noncurrent assets plus other real estate owned to assets | 0.0076% | 6,674 |
| Noncurrent loans to loans | 0.0130% | 6,513 |
| Net loans and leases to total assets | 57.8143% | 4,011 |
| Net loans and leases to deposits | 64.3594% | 4,492 |
| Net loans and leases to core deposits | 64.9484% | 4,842 |
| Total domestic deposits to total assets | 89.8305% | 1,050 |
| Equity capital to assets | 10.0782% | 4,061 |
| Core capital (leverage) ratio | 9.4714% | 4,145 |
| Tier 1 risk-based capital ratio | 16.1645% | 3,068 |
| Total risk-based capital ratio | 17.2811% | 3,096 |
| Memoranda: | ||
| Average total assets | $39,928,000 | 6,503 |
| Average earning assets | $37,662,000 | 6,446 |
| Average equity | $3,750,600 | 6,621 |
| Average total loans | $22,303,600 | 6,332 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7776% | 6,075 |
| Cost of funding earning assets | 0.3080% | 6,573 |
| Net interest margin | 3.4695% | 4,761 |
| Noninterest income to average assets | 0.3961% | 4,667 |
| Noninterest expense to average assets | 2.4863% | 5,126 |
| Loan and lease loss provision to assets | 0.0333% | 5,359 |
| Net operating income to assets | 1.1383% | 1,958 |
| Return on assets (ROA) | 1.2082% | 1,887 |
| Pretax return on assets | 1.2082% | 2,966 |
| Return on Equity (ROE) | 13.0967% | 1,312 |
| Retained earnings to average equity (ytd only) | 13.0967% | 385 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9709% | 4,073 |
| Assets per employee ($millions) | 5.0780% | 2,074 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1207% | 5,630 |
| Loan loss allowance to noncurrent loans | 364.2857% | 1,025 |
| Noncurrent assets plus other real estate owned to assets | 0.1723% | 6,274 |
| Noncurrent loans to loans | 0.3076% | 5,871 |
| Net loans and leases to total assets | 55.3835% | 4,540 |
| Net loans and leases to deposits | 61.4257% | 5,034 |
| Net loans and leases to core deposits | 61.9671% | 5,365 |
| Total domestic deposits to total assets | 90.1635% | 758 |
| Equity capital to assets | 9.5682% | 5,114 |
| Core capital (leverage) ratio | 8.8668% | 5,244 |
| Tier 1 risk-based capital ratio | 15.8293% | 3,359 |
| Total risk-based capital ratio | 16.9262% | 3,405 |
| Memoranda: | ||
| Average total assets | $40,059,500 | 6,583 |
| Average earning assets | $37,660,000 | 6,524 |
| Average equity | $3,695,500 | 6,721 |
| Average total loans | $22,119,000 | 6,417 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7962% | 6,149 |
| Cost of funding earning assets | 0.3106% | 6,688 |
| Net interest margin | 3.4857% | 4,737 |
| Noninterest income to average assets | 0.3862% | 4,754 |
| Noninterest expense to average assets | 2.4830% | 5,196 |
| Loan and lease loss provision to assets | 0.0301% | 5,293 |
| Net operating income to assets | 1.1387% | 1,918 |
| Return on assets (ROA) | 1.2089% | 1,876 |
| Pretax return on assets | 1.2089% | 2,881 |
| Return on Equity (ROE) | 13.2721% | 1,288 |
| Retained earnings to average equity (ytd only) | 13.2721% | 411 |
| Net charge-offs to loans | -0.0091% | 6,272 |
| Credit loss provision to net charge-offs | -600.0000% | 6,317 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9945% | 4,125 |
| Assets per employee ($millions) | 5.1738% | 1,954 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1690% | 5,484 |
| Loan loss allowance to noncurrent loans | 1,680.0000% | 281 |
| Noncurrent assets plus other real estate owned to assets | 0.0362% | 6,742 |
| Noncurrent loans to loans | 0.0696% | 6,496 |
| Net loans and leases to total assets | 51.4738% | 5,160 |
| Net loans and leases to deposits | 56.7347% | 5,579 |
| Net loans and leases to core deposits | 57.2223% | 5,845 |
| Total domestic deposits to total assets | 90.7272% | 550 |
| Equity capital to assets | 9.0650% | 5,630 |
| Core capital (leverage) ratio | 8.7350% | 5,320 |
| Tier 1 risk-based capital ratio | 15.8481% | 3,248 |
| Total risk-based capital ratio | 16.9702% | 3,286 |
| Memoranda: | ||
| Average total assets | $39,871,330 | 6,633 |
| Average earning assets | $37,353,000 | 6,580 |
| Average equity | $3,631,670 | 6,771 |
| Average total loans | $21,907,330 | 6,472 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8740% | 6,081 |
| Cost of funding earning assets | 0.3147% | 6,800 |
| Net interest margin | 3.5593% | 4,447 |
| Noninterest income to average assets | 0.4193% | 4,521 |
| Noninterest expense to average assets | 2.5056% | 5,132 |
| Loan and lease loss provision to assets | 0.0307% | 4,985 |
| Net operating income to assets | 1.2375% | 1,640 |
| Return on assets (ROA) | 1.2579% | 1,749 |
| Pretax return on assets | 1.2579% | 2,698 |
| Return on Equity (ROE) | 13.7757% | 1,232 |
| Retained earnings to average equity (ytd only) | 13.7757% | 591 |
| Net charge-offs to loans | -0.0181% | 6,148 |
| Credit loss provision to net charge-offs | -300.0000% | 5,669 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3957% | 4,484 |
| Assets per employee ($millions) | 4.9484% | 2,317 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1542% | 5,698 |
| Loan loss allowance to noncurrent loans | 1,131.8182% | 355 |
| Noncurrent assets plus other real estate owned to assets | 0.0556% | 6,753 |
| Noncurrent loans to loans | 0.1020% | 6,503 |
| Net loans and leases to total assets | 53.8687% | 4,746 |
| Net loans and leases to deposits | 59.4375% | 5,223 |
| Net loans and leases to core deposits | 59.4375% | 5,582 |
| Total domestic deposits to total assets | 90.6308% | 731 |
| Equity capital to assets | 9.2328% | 5,183 |
| Core capital (leverage) ratio | 8.5961% | 5,449 |
| Tier 1 risk-based capital ratio | 15.3932% | 3,502 |
| Total risk-based capital ratio | 16.5071% | 3,550 |
| Memoranda: | ||
| Average total assets | $39,112,000 | 6,713 |
| Average earning assets | $36,861,000 | 6,647 |
| Average equity | $3,571,500 | 6,829 |
| Average total loans | $22,082,500 | 6,507 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1937% | 6,072 |
| Cost of funding earning assets | 0.4776% | 6,625 |
| Net interest margin | 3.7162% | 4,225 |
| Noninterest income to average assets | 0.3774% | 4,807 |
| Noninterest expense to average assets | 2.4890% | 5,506 |
| Loan and lease loss provision to assets | 0.1224% | 5,073 |
| Net operating income to assets | 1.2190% | 1,466 |
| Return on assets (ROA) | 1.1909% | 1,645 |
| Pretax return on assets | 1.1909% | 2,493 |
| Return on Equity (ROE) | 14.3595% | 857 |
| Retained earnings to average equity (ytd only) | 5.5962% | 2,242 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9800% | 4,956 |
| Assets per employee ($millions) | 4.8296% | 2,407 |
| Cash dividends to net income (ytd only)* | 61.0278% | 1,513 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0845% | 5,875 |
| Loan loss allowance to noncurrent loans | 1,884.6154% | 242 |
| Noncurrent assets plus other real estate owned to assets | 0.0336% | 6,885 |
| Noncurrent loans to loans | 0.0575% | 6,671 |
| Net loans and leases to total assets | 57.8358% | 4,397 |
| Net loans and leases to deposits | 63.6294% | 5,055 |
| Net loans and leases to core deposits | 63.6294% | 5,504 |
| Total domestic deposits to total assets | 90.8947% | 543 |
| Equity capital to assets | 9.0276% | 5,518 |
| Core capital (leverage) ratio | 8.4494% | 5,641 |
| Tier 1 risk-based capital ratio | 14.1608% | 4,208 |
| Total risk-based capital ratio | 15.2061% | 4,312 |
| Memoranda: | ||
| Average total assets | $39,212,400 | 6,702 |
| Average earning assets | $36,435,200 | 6,660 |
| Average equity | $3,252,200 | 6,948 |
| Average total loans | $22,310,600 | 6,538 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1824% | 6,249 |
| Cost of funding earning assets | 0.5050% | 6,676 |
| Net interest margin | 3.6774% | 4,436 |
| Noninterest income to average assets | 0.3761% | 4,860 |
| Noninterest expense to average assets | 2.4358% | 5,673 |
| Loan and lease loss provision to assets | 0.1626% | 4,432 |
| Net operating income to assets | 1.1823% | 1,701 |
| Return on assets (ROA) | 1.1315% | 1,992 |
| Pretax return on assets | 1.1315% | 2,890 |
| Return on Equity (ROE) | 13.9457% | 1,046 |
| Retained earnings to average equity (ytd only) | 2.0459% | 5,115 |
| Net charge-offs to loans | -0.0180% | 6,888 |
| Credit loss provision to net charge-offs | -1,600.0000% | 6,808 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4265% | 4,992 |
| Assets per employee ($millions) | 5.1849% | 1,948 |
| Cash dividends to net income (ytd only)* | 85.3297% | 513 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1534% | 5,667 |
| Loan loss allowance to noncurrent loans | 1,245.0000% | 302 |
| Noncurrent assets plus other real estate owned to assets | 0.0482% | 6,924 |
| Noncurrent loans to loans | 0.0926% | 6,702 |
| Net loans and leases to total assets | 51.4453% | 5,518 |
| Net loans and leases to deposits | 56.1627% | 6,020 |
| Net loans and leases to core deposits | 56.1627% | 6,301 |
| Total domestic deposits to total assets | 91.6006% | 273 |
| Equity capital to assets | 8.1632% | 6,589 |
| Core capital (leverage) ratio | 7.6944% | 6,643 |
| Tier 1 risk-based capital ratio | 13.8079% | 4,493 |
| Total risk-based capital ratio | 14.8867% | 4,595 |
| Memoranda: | ||
| Average total assets | $39,356,250 | 6,757 |
| Average earning assets | $36,437,500 | 6,722 |
| Average equity | $3,193,250 | 7,021 |
| Average total loans | $22,240,500 | 6,609 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2175% | 6,245 |
| Cost of funding earning assets | 0.5272% | 6,756 |
| Net interest margin | 3.6903% | 4,305 |
| Noninterest income to average assets | 0.3933% | 4,734 |
| Noninterest expense to average assets | 2.5098% | 5,496 |
| Loan and lease loss provision to assets | 0.2484% | 3,426 |
| Net operating income to assets | 1.0764% | 1,951 |
| Return on assets (ROA) | 0.9987% | 2,339 |
| Pretax return on assets | 0.9987% | 3,246 |
| Return on Equity (ROE) | 12.3362% | 1,398 |
| Retained earnings to average equity (ytd only) | -5.8805% | 6,645 |
| Net charge-offs to loans | 0.0356% | 5,353 |
| Credit loss provision to net charge-offs | 1,200.0000% | 281 |
| Earnings coverage of net charge-offs (x) | 64.0000% | 512 |
| Efficiency ratio | 65.4521% | 4,976 |
| Assets per employee ($millions) | 5.1224% | 1,969 |
| Cash dividends to net income (ytd only)* | 147.6684% | 186 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0799% | 6,039 |
| Loan loss allowance to noncurrent loans | 78.7582% | 3,585 |
| Noncurrent assets plus other real estate owned to assets | 0.7467% | 5,418 |
| Noncurrent loans to loans | 1.3712% | 4,357 |
| Net loans and leases to total assets | 53.8691% | 5,311 |
| Net loans and leases to deposits | 58.5715% | 5,871 |
| Net loans and leases to core deposits | 58.5715% | 6,227 |
| Total domestic deposits to total assets | 91.9715% | 238 |
| Equity capital to assets | 7.8308% | 6,785 |
| Core capital (leverage) ratio | 7.7214% | 6,565 |
| Tier 1 risk-based capital ratio | 13.2360% | 4,738 |
| Total risk-based capital ratio | 14.2832% | 4,872 |
| Memoranda: | ||
| Average total assets | $38,648,670 | 6,834 |
| Average earning assets | $36,040,670 | 6,798 |
| Average equity | $3,129,000 | 7,095 |
| Average total loans | $22,458,000 | 6,665 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2425% | 6,166 |
| Cost of funding earning assets | 0.5504% | 6,802 |
| Net interest margin | 3.6921% | 4,147 |
| Noninterest income to average assets | 0.4482% | 4,305 |
| Noninterest expense to average assets | 2.5825% | 5,287 |
| Loan and lease loss provision to assets | 0.0960% | 4,811 |
| Net operating income to assets | 1.2059% | 1,508 |
| Return on assets (ROA) | 1.0458% | 2,069 |
| Pretax return on assets | 1.0458% | 2,963 |
| Return on Equity (ROE) | 12.6902% | 1,275 |
| Retained earnings to average equity (ytd only) | -24.2150% | 7,229 |
| Net charge-offs to loans | 0.0178% | 4,830 |
| Credit loss provision to net charge-offs | 900.0000% | 420 |
| Earnings coverage of net charge-offs (x) | 122.0000% | 264 |
| Efficiency ratio | 66.4835% | 4,948 |
| Assets per employee ($millions) | 4.8425% | 2,361 |
| Cash dividends to net income (ytd only)* | 290.8163% | 102 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9242% | 6,639 |
| Loan loss allowance to noncurrent loans | 336.0656% | 918 |
| Noncurrent assets plus other real estate owned to assets | 0.1575% | 6,770 |
| Noncurrent loans to loans | 0.2750% | 6,439 |
| Net loans and leases to total assets | 56.7269% | 4,867 |
| Net loans and leases to deposits | 61.5937% | 5,560 |
| Net loans and leases to core deposits | 61.5937% | 5,966 |
| Total domestic deposits to total assets | 92.0986% | 257 |
| Equity capital to assets | 7.7723% | 6,697 |
| Core capital (leverage) ratio | 8.1362% | 6,076 |
| Tier 1 risk-based capital ratio | 12.8555% | 4,940 |
| Total risk-based capital ratio | 13.7444% | 5,249 |
| Memoranda: | ||
| Average total assets | $37,483,500 | 6,925 |
| Average earning assets | $34,885,500 | 6,889 |
| Average equity | $3,089,000 | 7,142 |
| Average total loans | $22,529,000 | 6,712 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7568% | 5,596 |
| Cost of funding earning assets | 0.7026% | 6,884 |
| Net interest margin | 4.0542% | 2,786 |
| Noninterest income to average assets | 0.4352% | 4,636 |
| Noninterest expense to average assets | 2.7923% | 4,630 |
| Loan and lease loss provision to assets | 0.0759% | 6,388 |
| Net operating income to assets | 1.3757% | 996 |
| Return on assets (ROA) | 1.3757% | 1,065 |
| Pretax return on assets | 1.3757% | 1,722 |
| Return on Equity (ROE) | 15.3811% | 665 |
| Retained earnings to average equity (ytd only) | 7.2170% | 1,232 |
| Net charge-offs to loans | 0.0868% | 5,969 |
| Credit loss provision to net charge-offs | 136.8421% | 2,801 |
| Earnings coverage of net charge-offs (x) | 26.1579% | 825 |
| Efficiency ratio | 65.7949% | 5,010 |
| Assets per employee ($millions) | 4.5284% | 2,817 |
| Cash dividends to net income (ytd only)* | 53.0786% | 1,931 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8611% | 6,823 |
| Loan loss allowance to noncurrent loans | 255.8442% | 1,204 |
| Noncurrent assets plus other real estate owned to assets | 0.2125% | 6,698 |
| Noncurrent loans to loans | 0.3366% | 6,382 |
| Net loans and leases to total assets | 62.6052% | 4,147 |
| Net loans and leases to deposits | 68.6732% | 5,010 |
| Net loans and leases to core deposits | 68.6732% | 5,586 |
| Total domestic deposits to total assets | 91.1640% | 528 |
| Equity capital to assets | 8.7421% | 5,521 |
| Core capital (leverage) ratio | 8.8257% | 4,816 |
| Tier 1 risk-based capital ratio | 13.4202% | 4,279 |
| Total risk-based capital ratio | 14.2590% | 4,556 |
| Memoranda: | ||
| Average total assets | $34,237,000 | 7,066 |
| Average earning assets | $32,164,200 | 7,011 |
| Average equity | $3,062,200 | 7,261 |
| Average total loans | $21,878,600 | 6,829 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8045% | 5,638 |
| Cost of funding earning assets | 0.7247% | 6,992 |
| Net interest margin | 4.0798% | 2,711 |
| Noninterest income to average assets | 0.4624% | 4,470 |
| Noninterest expense to average assets | 2.7346% | 4,747 |
| Loan and lease loss provision to assets | 0.0711% | 6,352 |
| Net operating income to assets | 1.5056% | 916 |
| Return on assets (ROA) | 1.5056% | 994 |
| Pretax return on assets | 1.5056% | 1,598 |
| Return on Equity (ROE) | 16.7322% | 621 |
| Retained earnings to average equity (ytd only) | 5.7530% | 2,510 |
| Net charge-offs to loans | 0.0185% | 6,415 |
| Credit loss provision to net charge-offs | 600.0000% | 484 |
| Earnings coverage of net charge-offs (x) | 132.9975% | 243 |
| Efficiency ratio | 63.4280% | 5,359 |
| Assets per employee ($millions) | 4.5791% | 2,780 |
| Cash dividends to net income (ytd only)* | 65.6174% | 1,039 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9263% | 6,655 |
| Loan loss allowance to noncurrent loans | 474.4186% | 636 |
| Noncurrent assets plus other real estate owned to assets | 0.1174% | 7,063 |
| Noncurrent loans to loans | 0.1953% | 6,792 |
| Net loans and leases to total assets | 59.5583% | 4,988 |
| Net loans and leases to deposits | 65.4017% | 5,735 |
| Net loans and leases to core deposits | 65.4017% | 6,167 |
| Total domestic deposits to total assets | 91.0654% | 428 |
| Equity capital to assets | 8.6943% | 6,025 |
| Core capital (leverage) ratio | 8.5280% | 5,457 |
| Tier 1 risk-based capital ratio | 13.6012% | 4,121 |
| Total risk-based capital ratio | 14.5080% | 4,351 |
| Memoranda: | ||
| Average total assets | $33,739,500 | 7,171 |
| Average earning assets | $31,830,500 | 7,108 |
| Average equity | $3,036,000 | 7,361 |
| Average total loans | $21,629,000 | 6,935 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8952% | 5,411 |
| Cost of funding earning assets | 0.7546% | 7,055 |
| Net interest margin | 4.1406% | 2,376 |
| Noninterest income to average assets | 0.5492% | 3,724 |
| Noninterest expense to average assets | 2.7948% | 4,504 |
| Loan and lease loss provision to assets | 0.0732% | 6,214 |
| Net operating income to assets | 1.5988% | 728 |
| Return on assets (ROA) | 1.5988% | 782 |
| Pretax return on assets | 1.5988% | 1,306 |
| Return on Equity (ROE) | 17.5466% | 512 |
| Retained earnings to average equity (ytd only) | 0.8037% | 5,447 |
| Net charge-offs to loans | 0.0372% | 5,838 |
| Credit loss provision to net charge-offs | 300.0000% | 1,219 |
| Earnings coverage of net charge-offs (x) | 68.5000% | 454 |
| Efficiency ratio | 62.5683% | 5,600 |
| Assets per employee ($millions) | 4.3733% | 3,090 |
| Cash dividends to net income (ytd only)* | 95.4198% | 518 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8813% | 6,820 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 63.6540% | 4,325 |
| Net loans and leases to deposits | 69.8448% | 5,304 |
| Net loans and leases to core deposits | 69.8448% | 5,891 |
| Total domestic deposits to total assets | 91.1365% | 435 |
| Equity capital to assets | 8.6520% | 5,942 |
| Core capital (leverage) ratio | 8.7517% | 5,003 |
| Tier 1 risk-based capital ratio | 12.8574% | 4,559 |
| Total risk-based capital ratio | 13.7230% | 4,865 |
| Memoranda: | ||
| Average total assets | $32,775,000 | 7,264 |
| Average earning assets | $31,009,670 | 7,188 |
| Average equity | $2,986,330 | 7,417 |
| Average total loans | $21,498,000 | 6,993 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0071% | 4,991 |
| Cost of funding earning assets | 0.7765% | 7,159 |
| Net interest margin | 4.2306% | 1,926 |
| Noninterest income to average assets | 0.5936% | 3,319 |
| Noninterest expense to average assets | 2.8797% | 4,136 |
| Loan and lease loss provision to assets | 0.0758% | 5,885 |
| Net operating income to assets | 1.6293% | 710 |
| Return on assets (ROA) | 1.6293% | 755 |
| Pretax return on assets | 1.6293% | 1,198 |
| Return on Equity (ROE) | 17.3972% | 570 |
| Retained earnings to average equity (ytd only) | -16.3183% | 7,256 |
| Net charge-offs to loans | 0.0761% | 4,654 |
| Credit loss provision to net charge-offs | 150.0000% | 2,371 |
| Earnings coverage of net charge-offs (x) | 33.7500% | 798 |
| Efficiency ratio | 62.8099% | 5,689 |
| Assets per employee ($millions) | 3.9409% | 4,016 |
| Cash dividends to net income (ytd only)* | 193.7984% | 214 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9083% | 6,821 |
| Loan loss allowance to noncurrent loans | 1,010.5263% | 337 |
| Noncurrent assets plus other real estate owned to assets | 0.0603% | 7,335 |
| Noncurrent loans to loans | 0.0899% | 7,169 |
| Net loans and leases to total assets | 66.4383% | 3,764 |
| Net loans and leases to deposits | 73.3070% | 4,855 |
| Net loans and leases to core deposits | 73.3070% | 5,576 |
| Total domestic deposits to total assets | 90.6303% | 683 |
| Equity capital to assets | 9.1858% | 5,004 |
| Core capital (leverage) ratio | 9.0677% | 4,442 |
| Tier 1 risk-based capital ratio | 13.2497% | 4,168 |
| Total risk-based capital ratio | 14.1550% | 4,381 |
| Memoranda: | ||
| Average total assets | $31,669,500 | 7,384 |
| Average earning assets | $29,877,500 | 7,326 |
| Average equity | $2,966,000 | 7,502 |
| Average total loans | $21,013,000 | 7,098 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9100% | 6,685 |
| Cost of funding earning assets | 1.0256% | 7,159 |
| Net interest margin | 3.8845% | 3,329 |
| Noninterest income to average assets | 0.5081% | 4,353 |
| Noninterest expense to average assets | 2.9376% | 4,398 |
| Loan and lease loss provision to assets | 0.0381% | 7,166 |
| Net operating income to assets | 1.2132% | 1,216 |
| Return on assets (ROA) | 1.2132% | 1,262 |
| Pretax return on assets | 1.2132% | 1,917 |
| Return on Equity (ROE) | 13.1561% | 928 |
| Retained earnings to average equity (ytd only) | 2.8241% | 3,191 |
| Net charge-offs to loans | 0.0486% | 6,612 |
| Credit loss provision to net charge-offs | 120.0000% | 4,455 |
| Earnings coverage of net charge-offs (x) | 39.4000% | 606 |
| Efficiency ratio | 70.1289% | 4,596 |
| Assets per employee ($millions) | 4.5446% | 2,845 |
| Cash dividends to net income (ytd only)* | 78.5340% | 1,231 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9096% | 6,773 |
| Loan loss allowance to noncurrent loans | 395.8333% | 844 |
| Noncurrent assets plus other real estate owned to assets | 0.1509% | 7,098 |
| Noncurrent loans to loans | 0.2298% | 6,857 |
| Net loans and leases to total assets | 65.0635% | 4,362 |
| Net loans and leases to deposits | 72.0281% | 5,319 |
| Net loans and leases to core deposits | 77.2804% | 6,317 |
| Total domestic deposits to total assets | 90.3307% | 821 |
| Equity capital to assets | 9.5436% | 4,362 |
| Core capital (leverage) ratio | 9.2745% | 4,012 |
| Tier 1 risk-based capital ratio | 13.8587% | 3,595 |
| Total risk-based capital ratio | 14.7574% | 3,764 |
| Memoranda: | ||
| Average total assets | $31,488,200 | 7,425 |
| Average earning assets | $29,836,800 | 7,365 |
| Average equity | $2,903,600 | 7,616 |
| Average total loans | $20,590,400 | 7,162 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8230% | 7,069 |
| Cost of funding earning assets | 1.0539% | 7,281 |
| Net interest margin | 3.7691% | 3,782 |
| Noninterest income to average assets | 0.5264% | 4,266 |
| Noninterest expense to average assets | 2.8825% | 4,528 |
| Loan and lease loss provision to assets | 0.0255% | 7,099 |
| Net operating income to assets | 1.2014% | 1,467 |
| Return on assets (ROA) | 1.2014% | 1,521 |
| Pretax return on assets | 1.2014% | 2,257 |
| Return on Equity (ROE) | 13.1447% | 1,088 |
| Retained earnings to average equity (ytd only) | -0.7898% | 5,433 |
| Net charge-offs to loans | 0.0130% | 6,736 |
| Credit loss provision to net charge-offs | 300.0000% | 1,367 |
| Earnings coverage of net charge-offs (x) | 144.3146% | 269 |
| Efficiency ratio | 70.1446% | 4,559 |
| Assets per employee ($millions) | 4.2736% | 3,249 |
| Cash dividends to net income (ytd only)* | 106.0082% | 501 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8684% | 6,892 |
| Loan loss allowance to noncurrent loans | 685.7143% | 497 |
| Noncurrent assets plus other real estate owned to assets | 0.0819% | 7,346 |
| Noncurrent loans to loans | 0.1266% | 7,164 |
| Net loans and leases to total assets | 64.1054% | 4,845 |
| Net loans and leases to deposits | 70.4568% | 5,853 |
| Net loans and leases to core deposits | 76.2728% | 6,591 |
| Total domestic deposits to total assets | 90.9854% | 427 |
| Equity capital to assets | 8.6461% | 6,042 |
| Core capital (leverage) ratio | 8.5710% | 5,348 |
| Tier 1 risk-based capital ratio | 12.6837% | 4,403 |
| Total risk-based capital ratio | 13.5439% | 4,655 |
| Memoranda: | ||
| Average total assets | $31,407,250 | 7,485 |
| Average earning assets | $29,856,250 | 7,421 |
| Average equity | $2,870,500 | 7,698 |
| Average total loans | $20,516,000 | 7,230 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8978% | 7,033 |
| Cost of funding earning assets | 1.0846% | 7,402 |
| Net interest margin | 3.8132% | 3,497 |
| Noninterest income to average assets | 0.5381% | 4,123 |
| Noninterest expense to average assets | 2.9659% | 4,226 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.1942% | 1,492 |
| Return on assets (ROA) | 1.1942% | 1,576 |
| Pretax return on assets | 1.1942% | 2,316 |
| Return on Equity (ROE) | 12.8079% | 1,216 |
| Retained earnings to average equity (ytd only) | -8.3040% | 6,705 |
| Net charge-offs to loans | -0.0100% | 7,607 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2934% | 4,539 |
| Assets per employee ($millions) | 4.0721% | 3,550 |
| Cash dividends to net income (ytd only)* | 164.8352% | 313 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8003% | 7,151 |
| Loan loss allowance to noncurrent loans | 153.6585% | 1,922 |
| Noncurrent assets plus other real estate owned to assets | 0.3776% | 6,513 |
| Noncurrent loans to loans | 0.5209% | 6,228 |
| Net loans and leases to total assets | 71.9096% | 3,247 |
| Net loans and leases to deposits | 78.9366% | 4,712 |
| Net loans and leases to core deposits | 85.7624% | 5,929 |
| Total domestic deposits to total assets | 91.0980% | 425 |
| Equity capital to assets | 8.5674% | 5,948 |
| Core capital (leverage) ratio | 8.4304% | 5,565 |
| Tier 1 risk-based capital ratio | 11.6465% | 5,245 |
| Total risk-based capital ratio | 12.4531% | 5,598 |
| Memoranda: | ||
| Average total assets | $30,480,000 | 7,584 |
| Average earning assets | $28,952,000 | 7,529 |
| Average equity | $2,842,000 | 7,777 |
| Average total loans | $19,985,000 | 7,324 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1942% | 6,319 |
| Cost of funding earning assets | 1.0935% | 7,532 |
| Net interest margin | 4.1007% | 2,263 |
| Noninterest income to average assets | 0.5980% | 3,564 |
| Noninterest expense to average assets | 2.9492% | 3,978 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.5222% | 900 |
| Return on assets (ROA) | 1.5222% | 970 |
| Pretax return on assets | 1.5222% | 1,607 |
| Return on Equity (ROE) | 15.6234% | 880 |
| Retained earnings to average equity (ytd only) | -26.2249% | 7,797 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9574% | 5,345 |
| Assets per employee ($millions) | 3.6208% | 4,523 |
| Cash dividends to net income (ytd only)* | 267.8571% | 187 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0199% | 6,037 |
| Loan loss allowance to noncurrent loans | 3,150.0000% | 156 |
| Noncurrent assets plus other real estate owned to assets | 0.0207% | 7,566 |
| Noncurrent loans to loans | 0.0324% | 7,458 |
| Net loans and leases to total assets | 63.3260% | 5,102 |
| Net loans and leases to deposits | 70.1239% | 5,966 |
| Net loans and leases to core deposits | 76.3433% | 6,653 |
| Total domestic deposits to total assets | 90.3059% | 673 |
| Equity capital to assets | 9.4870% | 4,686 |
| Core capital (leverage) ratio | 9.3135% | 4,226 |
| Tier 1 risk-based capital ratio | 14.3559% | 3,394 |
| Total risk-based capital ratio | 15.3763% | 3,441 |
| Memoranda: | ||
| Average total assets | $29,431,500 | 7,669 |
| Average earning assets | $27,800,000 | 7,618 |
| Average equity | $2,867,500 | 7,821 |
| Average total loans | $18,170,000 | 7,479 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2185% | 7,669 |
| Cost of funding earning assets | 1.7476% | 7,138 |
| Net interest margin | 3.4708% | 5,398 |
| Noninterest income to average assets | 0.5494% | 4,237 |
| Noninterest expense to average assets | 2.8101% | 4,779 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.0588% | 2,315 |
| Return on assets (ROA) | 1.0588% | 2,215 |
| Pretax return on assets | 1.0588% | 3,188 |
| Return on Equity (ROE) | 12.8412% | 1,372 |
| Retained earnings to average equity (ytd only) | 12.8412% | 173 |
| Net charge-offs to loans | -0.0062% | 7,803 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6334% | 3,819 |
| Assets per employee ($millions) | 3.7371% | 4,088 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0557% | 5,575 |
| Loan loss allowance to noncurrent loans | 2,685.7143% | 241 |
| Noncurrent assets plus other real estate owned to assets | 0.0234% | 7,509 |
| Noncurrent loans to loans | 0.0393% | 7,344 |
| Net loans and leases to total assets | 58.9357% | 6,067 |
| Net loans and leases to deposits | 65.5823% | 6,673 |
| Net loans and leases to core deposits | 70.0764% | 7,183 |
| Total domestic deposits to total assets | 89.8652% | 707 |
| Equity capital to assets | 9.9910% | 4,047 |
| Core capital (leverage) ratio | 9.5513% | 3,945 |
| Tier 1 risk-based capital ratio | 15.6303% | 2,803 |
| Total risk-based capital ratio | 16.6621% | 2,809 |
| Memoranda: | ||
| Average total assets | $30,034,400 | 7,651 |
| Average earning assets | $28,725,000 | 7,577 |
| Average equity | $2,476,400 | 8,000 |
| Average total loans | $16,093,200 | 7,580 |