Home > Spur Security Bank > Performance and Condition Ratios
Spur Security Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0926% | 1,073 |
| Cost of funding earning assets | 2.7206% | 574 |
| Net interest margin | 3.3720% | 2,618 |
| Noninterest income to average assets | 0.1900% | 3,621 |
| Noninterest expense to average assets | 3.1883% | 892 |
| Loan and lease loss provision to assets | 0.1600% | 793 |
| Net operating income to assets | 0.0855% | 4,087 |
| Return on assets (ROA) | 0.0855% | 4,115 |
| Pretax return on assets | 0.0855% | 4,120 |
| Return on Equity (ROE) | 1.3700% | 4,055 |
| Retained earnings to average equity (ytd only) | 1.3671% | 3,437 |
| Net charge-offs to loans | -0.0064% | 3,802 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 92.8423% | 416 |
| Assets per employee ($millions) | 6.4299% | 2,613 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1268% | 2,579 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,773 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,816 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 56.5600% | 3,162 |
| Net loans and leases to deposits | 60.5990% | 3,464 |
| Net loans and leases to core deposits | 92.3571% | 1,882 |
| Total domestic deposits to total assets | 93.3300% | 116 |
| Equity capital to assets | 6.2434% | 4,210 |
| Core capital (leverage) ratio | 11.7536% | 1,585 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.8947% | 588 |
| Memoranda: | ||
| Average total assets | $112,284,500 | 3,673 |
| Average earning assets | $108,065,500 | 3,629 |
| Average equity | $7,022,000 | 4,068 |
| Average total loans | $62,302,000 | 3,670 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3935% | 817 |
| Cost of funding earning assets | 2.8233% | 670 |
| Net interest margin | 3.5702% | 1,925 |
| Noninterest income to average assets | 0.2500% | 3,380 |
| Noninterest expense to average assets | 3.4164% | 652 |
| Loan and lease loss provision to assets | 0.3400% | 350 |
| Net operating income to assets | 0.0075% | 4,158 |
| Return on assets (ROA) | 0.0075% | 4,187 |
| Pretax return on assets | -0.2567% | 4,303 |
| Return on Equity (ROE) | 0.1100% | 4,178 |
| Retained earnings to average equity (ytd only) | 0.1136% | 3,874 |
| Net charge-offs to loans | 0.0120% | 2,468 |
| Credit loss provision to net charge-offs | 5,266.6667% | 102 |
| Earnings coverage of net charge-offs (x) | 12.6667% | 2,151 |
| Efficiency ratio | 97.6758% | 314 |
| Assets per employee ($millions) | 6.0461% | 2,850 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1987% | 2,169 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,770 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,816 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 53.0200% | 3,464 |
| Net loans and leases to deposits | 56.8665% | 3,672 |
| Net loans and leases to core deposits | 89.5933% | 2,132 |
| Total domestic deposits to total assets | 93.2300% | 150 |
| Equity capital to assets | 6.2648% | 4,149 |
| Core capital (leverage) ratio | 12.6110% | 1,189 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.9423% | 470 |
| Memoranda: | ||
| Average total assets | $93,490,600 | 3,833 |
| Average earning assets | $85,149,600 | 3,825 |
| Average equity | $6,164,000 | 4,139 |
| Average total loans | $49,823,200 | 3,814 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4395% | 741 |
| Cost of funding earning assets | 2.7873% | 724 |
| Net interest margin | 3.6523% | 1,735 |
| Noninterest income to average assets | 0.2500% | 3,362 |
| Noninterest expense to average assets | 3.5334% | 559 |
| Loan and lease loss provision to assets | 0.3600% | 280 |
| Net operating income to assets | 0.0059% | 4,202 |
| Return on assets (ROA) | 0.0059% | 4,234 |
| Pretax return on assets | -0.3614% | 4,373 |
| Return on Equity (ROE) | 0.0900% | 4,226 |
| Retained earnings to average equity (ytd only) | 0.0889% | 3,942 |
| Net charge-offs to loans | 0.0168% | 2,051 |
| Credit loss provision to net charge-offs | 4,016.6667% | 128 |
| Earnings coverage of net charge-offs (x) | -0.3333% | 4,454 |
| Efficiency ratio | 100.0842% | 274 |
| Assets per employee ($millions) | 5.5453% | 3,231 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1164% | 2,666 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,813 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,861 |
| Noncurrent loans to loans | 0.0000% | 3,830 |
| Net loans and leases to total assets | 55.4600% | 3,309 |
| Net loans and leases to deposits | 60.5116% | 3,566 |
| Net loans and leases to core deposits | 100.7113% | 1,433 |
| Total domestic deposits to total assets | 91.6500% | 239 |
| Equity capital to assets | 7.8595% | 3,797 |
| Core capital (leverage) ratio | 13.6826% | 888 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.8458% | 433 |
| Memoranda: | ||
| Average total assets | $89,655,750 | 3,883 |
| Average earning assets | $80,459,250 | 3,891 |
| Average equity | $6,000,500 | 4,173 |
| Average total loans | $47,679,250 | 3,863 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 2 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2946% | 825 |
| Cost of funding earning assets | 2.6360% | 873 |
| Net interest margin | 3.6586% | 1,672 |
| Noninterest income to average assets | 0.3400% | 2,750 |
| Noninterest expense to average assets | 3.6954% | 472 |
| Loan and lease loss provision to assets | 0.4700% | 187 |
| Net operating income to assets | -0.4196% | 4,394 |
| Return on assets (ROA) | -0.4196% | 4,422 |
| Pretax return on assets | -0.6167% | 4,436 |
| Return on Equity (ROE) | -6.7200% | 4,434 |
| Retained earnings to average equity (ytd only) | -6.7215% | 4,366 |
| Net charge-offs to loans | 0.0089% | 2,077 |
| Credit loss provision to net charge-offs | 10,050.0000% | 44 |
| Earnings coverage of net charge-offs (x) | -32.5000% | 4,537 |
| Efficiency ratio | 104.2511% | 230 |
| Assets per employee ($millions) | 4.9401% | 3,664 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1759% | 2,366 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,808 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,854 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 55.6700% | 3,294 |
| Net loans and leases to deposits | 59.8320% | 3,584 |
| Net loans and leases to core deposits | 91.6377% | 2,033 |
| Total domestic deposits to total assets | 93.0400% | 141 |
| Equity capital to assets | 6.5676% | 4,084 |
| Core capital (leverage) ratio | 13.8325% | 847 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.1492% | 456 |
| Memoranda: | ||
| Average total assets | $86,269,333 | 3,933 |
| Average earning assets | $75,493,667 | 3,949 |
| Average equity | $5,385,667 | 4,239 |
| Average total loans | $44,911,000 | 3,919 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0622% | 982 |
| Cost of funding earning assets | 2.5214% | 957 |
| Net interest margin | 3.5408% | 1,821 |
| Noninterest income to average assets | 0.2500% | 3,278 |
| Noninterest expense to average assets | 3.6919% | 462 |
| Loan and lease loss provision to assets | 0.5700% | 141 |
| Net operating income to assets | -0.9277% | 4,515 |
| Return on assets (ROA) | -0.9277% | 4,502 |
| Pretax return on assets | -0.9277% | 4,496 |
| Return on Equity (ROE) | -15.2800% | 4,507 |
| Retained earnings to average equity (ytd only) | -15.2758% | 4,396 |
| Net charge-offs to loans | -0.0284% | 4,208 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 110.8911% | 177 |
| Assets per employee ($millions) | 5.3793% | 3,363 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1001% | 2,819 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,825 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,894 |
| Noncurrent loans to loans | 0.0000% | 3,844 |
| Net loans and leases to total assets | 53.5800% | 3,379 |
| Net loans and leases to deposits | 57.2194% | 3,667 |
| Net loans and leases to core deposits | 76.2768% | 2,958 |
| Total domestic deposits to total assets | 93.6500% | 144 |
| Equity capital to assets | 6.0033% | 4,200 |
| Core capital (leverage) ratio | 13.6562% | 868 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.9506% | 494 |
| Memoranda: | ||
| Average total assets | $84,943,500 | 3,961 |
| Average earning assets | $73,768,000 | 3,997 |
| Average equity | $5,158,500 | 4,283 |
| Average total loans | $42,322,500 | 3,976 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9496% | 2,178 |
| Cost of funding earning assets | 2.2880% | 556 |
| Net interest margin | 2.6616% | 3,880 |
| Noninterest income to average assets | 0.6200% | 1,451 |
| Noninterest expense to average assets | 3.1846% | 841 |
| Loan and lease loss provision to assets | 0.3800% | 260 |
| Net operating income to assets | -0.6628% | 4,517 |
| Return on assets (ROA) | -0.6588% | 4,503 |
| Pretax return on assets | -0.6642% | 4,494 |
| Return on Equity (ROE) | -58.6800% | 4,573 |
| Retained earnings to average equity (ytd only) | -63.4373% | 4,560 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 109.7651% | 109 |
| Assets per employee ($millions) | 4.9305% | 3,688 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0260% | 3,186 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 44.8900% | 3,866 |
| Net loans and leases to deposits | 47.9762% | 3,996 |
| Net loans and leases to core deposits | 55.8422% | 3,918 |
| Total domestic deposits to total assets | 93.5600% | 136 |
| Equity capital to assets | 6.1443% | 4,205 |
| Core capital (leverage) ratio | 13.5156% | 904 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.5762% | 447 |
| Memoranda: | ||
| Average total assets | $74,828,600 | 4,066 |
| Average earning assets | $64,247,000 | 4,096 |
| Average equity | $840,200 | 4,524 |
| Average total loans | $21,963,200 | 4,268 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6609% | 2,554 |
| Cost of funding earning assets | 2.1143% | 577 |
| Net interest margin | 2.5466% | 4,091 |
| Noninterest income to average assets | 0.6300% | 1,403 |
| Noninterest expense to average assets | 2.9208% | 1,193 |
| Loan and lease loss provision to assets | 0.2900% | 324 |
| Net operating income to assets | -0.3967% | 4,525 |
| Return on assets (ROA) | -0.3913% | 4,510 |
| Pretax return on assets | -0.3986% | 4,500 |
| Return on Equity (ROE) | NA | NA |
| Retained earnings to average equity (ytd only) | 0.0000% | 4,110 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 104.0576% | 136 |
| Assets per employee ($millions) | 4.7195% | 3,794 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0153% | 3,288 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 31.5900% | 4,290 |
| Net loans and leases to deposits | 32.7100% | 4,349 |
| Net loans and leases to core deposits | 38.4191% | 4,289 |
| Total domestic deposits to total assets | 96.5800% | 60 |
| Equity capital to assets | 2.9826% | 4,494 |
| Core capital (leverage) ratio | 13.7122% | 876 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.9694% | 322 |
| Memoranda: | ||
| Average total assets | $72,581,250 | 4,108 |
| Average earning assets | $61,989,250 | 4,136 |
| Average equity | $-237,250 | 4,610 |
| Average total loans | $17,951,000 | 4,342 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1948% | 3,303 |
| Cost of funding earning assets | 1.8274% | 704 |
| Net interest margin | 2.3674% | 4,327 |
| Noninterest income to average assets | 0.7900% | 881 |
| Noninterest expense to average assets | 2.3190% | 2,746 |
| Loan and lease loss provision to assets | 0.3700% | 233 |
| Net operating income to assets | 0.2627% | 4,211 |
| Return on assets (ROA) | 0.2713% | 4,230 |
| Pretax return on assets | 0.2713% | 4,257 |
| Return on Equity (ROE) | NA | NA |
| Retained earnings to average equity (ytd only) | 0.0000% | 4,069 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 78.6822% | 950 |
| Assets per employee ($millions) | 4.2998% | 4,054 |
| Cash dividends to net income (ytd only)* | 42.1053% | 1,606 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0874% | 3,009 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 28.6200% | 4,349 |
| Net loans and leases to deposits | 28.2948% | 4,418 |
| Net loans and leases to core deposits | 33.4340% | 4,367 |
| Total domestic deposits to total assets | 101.1600% | 19 |
| Equity capital to assets | -1.5226% | 4,663 |
| Core capital (leverage) ratio | 7.9246% | 4,431 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5612% | 1,024 |
| Memoranda: | ||
| Average total assets | $70,031,333 | 4,146 |
| Average earning assets | $63,698,000 | 4,142 |
| Average equity | $-1,114,000 | 4,642 |
| Average total loans | $15,399,000 | 4,388 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8475% | 3,770 |
| Cost of funding earning assets | 1.5527% | 763 |
| Net interest margin | 2.2948% | 4,452 |
| Noninterest income to average assets | 0.1500% | 4,077 |
| Noninterest expense to average assets | 1.7811% | 4,063 |
| Loan and lease loss provision to assets | 0.1600% | 685 |
| Net operating income to assets | 0.3504% | 4,170 |
| Return on assets (ROA) | 0.3679% | 4,089 |
| Pretax return on assets | 0.3679% | 4,178 |
| Return on Equity (ROE) | NA | NA |
| Retained earnings to average equity (ytd only) | 0.0000% | 4,013 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 77.6081% | 1,035 |
| Assets per employee ($millions) | 6.8313% | 2,089 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9232% | 3,791 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 20.4200% | 4,513 |
| Net loans and leases to deposits | 20.1747% | 4,538 |
| Net loans and leases to core deposits | 24.0191% | 4,509 |
| Total domestic deposits to total assets | 101.2300% | 1 |
| Equity capital to assets | -1.5312% | 4,690 |
| Core capital (leverage) ratio | 8.3262% | 4,262 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.5951% | 600 |
| Memoranda: | ||
| Average total assets | $68,498,500 | 4,217 |
| Average earning assets | $64,145,500 | 4,194 |
| Average equity | $-1,114,500 | 4,666 |
| Average total loans | $12,522,500 | 4,493 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7339% | 4,380 |
| Cost of funding earning assets | 0.4667% | 1,602 |
| Net interest margin | 2.2672% | 4,445 |
| Noninterest income to average assets | 0.1600% | 4,171 |
| Noninterest expense to average assets | 1.9421% | 3,742 |
| Loan and lease loss provision to assets | 0.0900% | 1,322 |
| Net operating income to assets | 0.2051% | 4,444 |
| Return on assets (ROA) | 0.2051% | 4,424 |
| Pretax return on assets | 0.2051% | 4,443 |
| Return on Equity (ROE) | 17.0800% | 849 |
| Retained earnings to average equity (ytd only) | 12.6225% | 567 |
| Net charge-offs to loans | 0.0092% | 2,035 |
| Credit loss provision to net charge-offs | 5,100.0000% | 135 |
| Earnings coverage of net charge-offs (x) | 166.0000% | 739 |
| Efficiency ratio | 86.7729% | 400 |
| Assets per employee ($millions) | 6.8684% | 2,067 |
| Cash dividends to net income (ytd only)* | 26.0870% | 2,613 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9304% | 3,669 |
| Loan loss allowance to noncurrent loans | 1,133.3333% | 899 |
| Noncurrent assets plus other real estate owned to assets | 0.0131% | 3,747 |
| Noncurrent loans to loans | 0.0821% | 3,166 |
| Net loans and leases to total assets | 15.8100% | 4,579 |
| Net loans and leases to deposits | 15.5713% | 4,589 |
| Net loans and leases to core deposits | 18.4532% | 4,570 |
| Total domestic deposits to total assets | 101.5500% | 4 |
| Equity capital to assets | -1.7224% | 4,720 |
| Core capital (leverage) ratio | 9.3706% | 3,276 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.2760% | 461 |
| Memoranda: | ||
| Average total assets | $56,074,200 | 4,379 |
| Average earning assets | $51,428,000 | 4,359 |
| Average equity | $673,400 | 4,708 |
| Average total loans | $10,853,400 | 4,547 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6205% | 4,372 |
| Cost of funding earning assets | 0.2773% | 2,413 |
| Net interest margin | 2.3432% | 4,379 |
| Noninterest income to average assets | 0.1600% | 4,207 |
| Noninterest expense to average assets | 1.9601% | 3,591 |
| Loan and lease loss provision to assets | 0.0300% | 2,122 |
| Net operating income to assets | 0.2998% | 4,380 |
| Return on assets (ROA) | 0.2998% | 4,337 |
| Pretax return on assets | 0.2998% | 4,378 |
| Return on Equity (ROE) | 13.9500% | 1,440 |
| Retained earnings to average equity (ytd only) | 13.9484% | 469 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 85.6828% | 471 |
| Assets per employee ($millions) | 5.5704% | 3,151 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5585% | 4,418 |
| Loan loss allowance to noncurrent loans | 563.6364% | 1,466 |
| Noncurrent assets plus other real estate owned to assets | 0.0197% | 3,747 |
| Noncurrent loans to loans | 0.0991% | 3,169 |
| Net loans and leases to total assets | 19.8200% | 4,594 |
| Net loans and leases to deposits | 19.1564% | 4,613 |
| Net loans and leases to core deposits | 21.6568% | 4,596 |
| Total domestic deposits to total assets | 103.4600% | 3 |
| Equity capital to assets | -3.6084% | 4,761 |
| Core capital (leverage) ratio | 11.4873% | 1,461 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.7512% | 353 |
| Memoranda: | ||
| Average total assets | $52,921,750 | 4,442 |
| Average earning assets | $48,080,500 | 4,428 |
| Average equity | $1,137,500 | 4,741 |
| Average total loans | $10,826,000 | 4,581 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4924% | 4,380 |
| Cost of funding earning assets | 0.2817% | 1,882 |
| Net interest margin | 2.2107% | 4,413 |
| Noninterest income to average assets | 0.1654% | 4,182 |
| Noninterest expense to average assets | 1.9848% | 3,471 |
| Loan and lease loss provision to assets | 0.0231% | 2,183 |
| Net operating income to assets | 0.1500% | 4,475 |
| Return on assets (ROA) | 0.1500% | 4,439 |
| Pretax return on assets | 0.1500% | 4,452 |
| Return on Equity (ROE) | 3.5671% | 4,122 |
| Retained earnings to average equity (ytd only) | 3.5671% | 3,250 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.9786% | 341 |
| Assets per employee ($millions) | 4.8995% | 3,768 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5002% | 4,551 |
| Loan loss allowance to noncurrent loans | 5,800.0000% | 228 |
| Noncurrent assets plus other real estate owned to assets | 0.0020% | 4,053 |
| Noncurrent loans to loans | 0.0086% | 3,930 |
| Net loans and leases to total assets | 23.5473% | 4,605 |
| Net loans and leases to deposits | 23.0427% | 4,655 |
| Net loans and leases to core deposits | 26.5683% | 4,619 |
| Total domestic deposits to total assets | 102.1900% | 1 |
| Equity capital to assets | -2.3145% | 4,770 |
| Core capital (leverage) ratio | 11.1304% | 1,533 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.7309% | 300 |
| Memoranda: | ||
| Average total assets | $51,994,333 | 4,492 |
| Average earning assets | $46,863,333 | 4,495 |
| Average equity | $2,186,667 | 4,734 |
| Average total loans | $10,734,000 | 4,645 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2795% | 4,470 |
| Cost of funding earning assets | 0.2963% | 1,692 |
| Net interest margin | 1.9833% | 4,527 |
| Noninterest income to average assets | 0.1495% | 4,257 |
| Noninterest expense to average assets | 1.9217% | 3,634 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.0299% | 4,527 |
| Return on assets (ROA) | 0.0299% | 4,507 |
| Pretax return on assets | 0.0299% | 4,503 |
| Return on Equity (ROE) | 0.4159% | 4,491 |
| Retained earnings to average equity (ytd only) | 0.4159% | 3,935 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.4674% | 269 |
| Assets per employee ($millions) | 5.3267% | 3,465 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4876% | 4,594 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 19.9242% | 4,672 |
| Net loans and leases to deposits | 20.9276% | 4,692 |
| Net loans and leases to core deposits | 24.0108% | 4,665 |
| Total domestic deposits to total assets | 95.2053% | 30 |
| Equity capital to assets | 4.6990% | 4,745 |
| Core capital (leverage) ratio | 10.1096% | 2,177 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.5006% | 278 |
| Memoranda: | ||
| Average total assets | $53,494,000 | 4,501 |
| Average earning assets | $48,606,500 | 4,496 |
| Average equity | $3,847,000 | 4,664 |
| Average total loans | $10,303,500 | 4,676 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1018% | 4,655 |
| Cost of funding earning assets | 0.5007% | 927 |
| Net interest margin | 1.6011% | 4,709 |
| Noninterest income to average assets | 0.2026% | 4,152 |
| Noninterest expense to average assets | 1.8795% | 3,973 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | -0.2238% | 4,728 |
| Return on assets (ROA) | 0.1599% | 4,583 |
| Pretax return on assets | 0.1673% | 4,596 |
| Return on Equity (ROE) | 1.5187% | 4,556 |
| Retained earnings to average equity (ytd only) | 1.4480% | 4,135 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 114.1084% | 79 |
| Assets per employee ($millions) | 5.9690% | 2,810 |
| Cash dividends to net income (ytd only)* | 4.6512% | 3,515 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5230% | 4,604 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 18.4099% | 4,731 |
| Net loans and leases to deposits | 20.4166% | 4,740 |
| Net loans and leases to core deposits | 23.2214% | 4,718 |
| Total domestic deposits to total assets | 90.1714% | 878 |
| Equity capital to assets | 9.6629% | 2,984 |
| Core capital (leverage) ratio | 10.4910% | 1,927 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.9865% | 261 |
| Memoranda: | ||
| Average total assets | $53,792,200 | 4,524 |
| Average earning assets | $48,529,600 | 4,522 |
| Average equity | $5,662,800 | 4,563 |
| Average total loans | $7,814,400 | 4,756 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0321% | 4,754 |
| Cost of funding earning assets | 0.5149% | 976 |
| Net interest margin | 1.5171% | 4,802 |
| Noninterest income to average assets | 0.2057% | 4,171 |
| Noninterest expense to average assets | 1.7419% | 4,267 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | -0.1726% | 4,791 |
| Return on assets (ROA) | 0.3370% | 4,493 |
| Pretax return on assets | 0.3469% | 4,551 |
| Return on Equity (ROE) | 3.1368% | 4,443 |
| Retained earnings to average equity (ytd only) | 3.1368% | 3,857 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 111.4105% | 94 |
| Assets per employee ($millions) | 5.8419% | 2,841 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5529% | 4,668 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 17.7891% | 4,813 |
| Net loans and leases to deposits | 19.9237% | 4,820 |
| Net loans and leases to core deposits | 23.1287% | 4,802 |
| Total domestic deposits to total assets | 89.2862% | 1,126 |
| Equity capital to assets | 10.5731% | 2,400 |
| Core capital (leverage) ratio | 10.4360% | 2,115 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.6769% | 234 |
| Memoranda: | ||
| Average total assets | $53,810,000 | 4,586 |
| Average earning assets | $48,160,250 | 4,588 |
| Average equity | $5,780,750 | 4,616 |
| Average total loans | $7,282,500 | 4,838 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9945% | 4,807 |
| Cost of funding earning assets | 0.5154% | 1,119 |
| Net interest margin | 1.4791% | 4,847 |
| Noninterest income to average assets | 0.1807% | 4,302 |
| Noninterest expense to average assets | 1.7263% | 4,320 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | -0.2434% | 4,835 |
| Return on assets (ROA) | 0.1734% | 4,671 |
| Pretax return on assets | 0.1734% | 4,688 |
| Return on Equity (ROE) | 1.6056% | 4,639 |
| Retained earnings to average equity (ytd only) | 1.6056% | 4,219 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 116.4179% | 84 |
| Assets per employee ($millions) | 6.1196% | 2,504 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7869% | 4,381 |
| Loan loss allowance to noncurrent loans | 5,200.0000% | 200 |
| Noncurrent assets plus other real estate owned to assets | 0.0018% | 4,325 |
| Noncurrent loans to loans | 0.0151% | 4,157 |
| Net loans and leases to total assets | 11.9036% | 4,886 |
| Net loans and leases to deposits | 13.3136% | 4,890 |
| Net loans and leases to core deposits | 15.3518% | 4,880 |
| Total domestic deposits to total assets | 89.4092% | 1,075 |
| Equity capital to assets | 10.4383% | 2,451 |
| Core capital (leverage) ratio | 10.1039% | 2,301 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 33.3928% | 197 |
| Memoranda: | ||
| Average total assets | $54,221,000 | 4,607 |
| Average earning assets | $47,731,333 | 4,626 |
| Average equity | $5,854,667 | 4,637 |
| Average total loans | $6,575,000 | 4,883 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8946% | 4,859 |
| Cost of funding earning assets | 0.5144% | 1,307 |
| Net interest margin | 1.3802% | 4,892 |
| Noninterest income to average assets | 0.1933% | 4,227 |
| Noninterest expense to average assets | 1.6656% | 4,443 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | -0.2751% | 4,860 |
| Return on assets (ROA) | 0.2974% | 4,557 |
| Pretax return on assets | 0.2974% | 4,604 |
| Return on Equity (ROE) | 2.7084% | 4,525 |
| Retained earnings to average equity (ytd only) | 2.7084% | 3,868 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 119.7861% | 76 |
| Assets per employee ($millions) | 6.8751% | 1,873 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8143% | 4,379 |
| Loan loss allowance to noncurrent loans | 1,040.0000% | 649 |
| Noncurrent assets plus other real estate owned to assets | 0.0091% | 4,320 |
| Noncurrent loans to loans | 0.0783% | 3,904 |
| Net loans and leases to total assets | 11.5162% | 4,914 |
| Net loans and leases to deposits | 12.8763% | 4,918 |
| Net loans and leases to core deposits | 14.8734% | 4,907 |
| Total domestic deposits to total assets | 89.4366% | 1,099 |
| Equity capital to assets | 10.4307% | 2,333 |
| Core capital (leverage) ratio | 10.0834% | 2,455 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 33.2069% | 202 |
| Memoranda: | ||
| Average total assets | $53,793,500 | 4,632 |
| Average earning assets | $46,660,000 | 4,652 |
| Average equity | $5,907,500 | 4,647 |
| Average total loans | $6,558,500 | 4,910 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5380% | 4,835 |
| Cost of funding earning assets | 0.5622% | 2,548 |
| Net interest margin | 1.9758% | 4,836 |
| Noninterest income to average assets | 0.2377% | 4,077 |
| Noninterest expense to average assets | 2.0902% | 3,949 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | -0.1312% | 4,799 |
| Return on assets (ROA) | 0.0738% | 4,719 |
| Pretax return on assets | 0.0738% | 4,719 |
| Return on Equity (ROE) | 0.6219% | 4,714 |
| Retained earnings to average equity (ytd only) | 0.6219% | 4,339 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.6946% | 131 |
| Assets per employee ($millions) | 6.5733% | 1,871 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7577% | 4,500 |
| Loan loss allowance to noncurrent loans | 850.0000% | 757 |
| Noncurrent assets plus other real estate owned to assets | 0.0114% | 4,369 |
| Noncurrent loans to loans | 0.0891% | 3,930 |
| Net loans and leases to total assets | 12.7030% | 4,929 |
| Net loans and leases to deposits | 14.3925% | 4,935 |
| Net loans and leases to core deposits | 16.2226% | 4,925 |
| Total domestic deposits to total assets | 88.2611% | 1,345 |
| Equity capital to assets | 11.5582% | 1,841 |
| Core capital (leverage) ratio | 10.7111% | 1,997 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 33.2636% | 201 |
| Memoranda: | ||
| Average total assets | $48,798,800 | 4,670 |
| Average earning assets | $42,514,400 | 4,689 |
| Average equity | $5,789,000 | 4,663 |
| Average total loans | $7,692,000 | 4,922 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6575% | 4,870 |
| Cost of funding earning assets | 0.5688% | 2,816 |
| Net interest margin | 2.0887% | 4,857 |
| Noninterest income to average assets | 0.2536% | 3,957 |
| Noninterest expense to average assets | 1.9978% | 4,149 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.0975% | 4,703 |
| Return on assets (ROA) | 0.3650% | 4,392 |
| Pretax return on assets | 0.3650% | 4,470 |
| Return on Equity (ROE) | 3.0553% | 4,378 |
| Retained earnings to average equity (ytd only) | 3.0553% | 3,500 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.3457% | 238 |
| Assets per employee ($millions) | 6.2325% | 2,063 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6570% | 4,651 |
| Loan loss allowance to noncurrent loans | 463.6364% | 1,120 |
| Noncurrent assets plus other real estate owned to assets | 0.0221% | 4,363 |
| Noncurrent loans to loans | 0.1417% | 3,816 |
| Net loans and leases to total assets | 15.4653% | 4,955 |
| Net loans and leases to deposits | 17.6720% | 4,962 |
| Net loans and leases to core deposits | 20.3215% | 4,953 |
| Total domestic deposits to total assets | 87.5130% | 1,444 |
| Equity capital to assets | 12.3185% | 1,502 |
| Core capital (leverage) ratio | 11.5258% | 1,568 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 33.2023% | 214 |
| Memoranda: | ||
| Average total assets | $47,852,000 | 4,701 |
| Average earning assets | $42,193,750 | 4,716 |
| Average equity | $5,716,750 | 4,695 |
| Average total loans | $7,932,250 | 4,953 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7786% | 4,915 |
| Cost of funding earning assets | 0.5585% | 3,188 |
| Net interest margin | 2.2200% | 4,870 |
| Noninterest income to average assets | 0.2670% | 3,876 |
| Noninterest expense to average assets | 2.0770% | 4,079 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.1950% | 4,579 |
| Return on assets (ROA) | 0.5510% | 3,966 |
| Pretax return on assets | 0.5510% | 4,157 |
| Return on Equity (ROE) | 4.6637% | 3,933 |
| Retained earnings to average equity (ytd only) | 4.6637% | 2,626 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.4179% | 356 |
| Assets per employee ($millions) | 6.0058% | 2,182 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6608% | 4,650 |
| Loan loss allowance to noncurrent loans | 346.6667% | 1,385 |
| Noncurrent assets plus other real estate owned to assets | 0.0312% | 4,394 |
| Noncurrent loans to loans | 0.1906% | 3,694 |
| Net loans and leases to total assets | 16.2698% | 4,980 |
| Net loans and leases to deposits | 18.6234% | 4,989 |
| Net loans and leases to core deposits | 21.8902% | 4,976 |
| Total domestic deposits to total assets | 87.3621% | 1,468 |
| Equity capital to assets | 12.4318% | 1,412 |
| Core capital (leverage) ratio | 11.7520% | 1,518 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 33.6786% | 201 |
| Memoranda: | ||
| Average total assets | $47,182,667 | 4,729 |
| Average earning assets | $42,612,000 | 4,733 |
| Average equity | $5,575,000 | 4,736 |
| Average total loans | $7,989,000 | 4,983 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8435% | 4,991 |
| Cost of funding earning assets | 0.5555% | 3,663 |
| Net interest margin | 2.2880% | 4,921 |
| Noninterest income to average assets | 0.2225% | 4,221 |
| Noninterest expense to average assets | 2.1903% | 4,029 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.1112% | 4,645 |
| Return on assets (ROA) | -0.1027% | 4,790 |
| Pretax return on assets | -0.1027% | 4,775 |
| Return on Equity (ROE) | -0.8929% | 4,794 |
| Retained earnings to average equity (ytd only) | -0.8929% | 4,125 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.1673% | 343 |
| Assets per employee ($millions) | 5.9078% | 1,753 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6595% | 4,674 |
| Loan loss allowance to noncurrent loans | 728.5714% | 702 |
| Noncurrent assets plus other real estate owned to assets | 0.0148% | 4,567 |
| Noncurrent loans to loans | 0.0905% | 4,149 |
| Net loans and leases to total assets | 16.2541% | 5,026 |
| Net loans and leases to deposits | 18.3197% | 5,034 |
| Net loans and leases to core deposits | 21.5587% | 5,025 |
| Total domestic deposits to total assets | 88.7246% | 797 |
| Equity capital to assets | 11.1104% | 2,762 |
| Core capital (leverage) ratio | 11.4477% | 2,111 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 33.5340% | 221 |
| Memoranda: | ||
| Average total assets | $46,751,000 | 4,760 |
| Average earning assets | $42,482,500 | 4,771 |
| Average equity | $5,376,000 | 4,795 |
| Average total loans | $8,049,000 | 5,027 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1515% | 5,012 |
| Cost of funding earning assets | 0.5662% | 3,796 |
| Net interest margin | 2.5853% | 4,917 |
| Noninterest income to average assets | 0.2213% | 4,341 |
| Noninterest expense to average assets | 2.2349% | 4,090 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.2673% | 4,780 |
| Return on assets (ROA) | 0.6639% | 4,048 |
| Pretax return on assets | 0.6639% | 4,294 |
| Return on Equity (ROE) | 5.8963% | 3,949 |
| Retained earnings to average equity (ytd only) | 5.8963% | 1,925 |
| Net charge-offs to loans | 0.0121% | 3,253 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 122.0000% | 582 |
| Efficiency ratio | 89.3170% | 375 |
| Assets per employee ($millions) | 5.7800% | 1,807 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6216% | 4,705 |
| Loan loss allowance to noncurrent loans | 742.8571% | 712 |
| Noncurrent assets plus other real estate owned to assets | 0.0151% | 4,584 |
| Noncurrent loans to loans | 0.0837% | 4,185 |
| Net loans and leases to total assets | 17.9779% | 5,086 |
| Net loans and leases to deposits | 20.4749% | 5,095 |
| Net loans and leases to core deposits | 23.3053% | 5,084 |
| Total domestic deposits to total assets | 87.8049% | 1,227 |
| Equity capital to assets | 11.9831% | 2,144 |
| Core capital (leverage) ratio | 11.9909% | 1,785 |
| Tier 1 risk-based capital ratio | 36.8094% | 294 |
| Total risk-based capital ratio | 37.1564% | 303 |
| Memoranda: | ||
| Average total assets | $45,640,400 | 4,820 |
| Average earning assets | $40,266,600 | 4,837 |
| Average equity | $5,138,800 | 4,865 |
| Average total loans | $8,257,800 | 5,085 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1823% | 5,097 |
| Cost of funding earning assets | 0.5659% | 3,838 |
| Net interest margin | 2.6164% | 4,991 |
| Noninterest income to average assets | 0.2257% | 4,385 |
| Noninterest expense to average assets | 2.0839% | 4,390 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.4455% | 4,632 |
| Return on assets (ROA) | 0.9672% | 3,172 |
| Pretax return on assets | 0.9672% | 3,693 |
| Return on Equity (ROE) | 8.7330% | 2,991 |
| Retained earnings to average equity (ytd only) | 8.7330% | 1,123 |
| Net charge-offs to loans | 0.0162% | 2,827 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 152.3759% | 534 |
| Efficiency ratio | 82.3870% | 732 |
| Assets per employee ($millions) | 5.6214% | 1,912 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6245% | 4,768 |
| Loan loss allowance to noncurrent loans | 433.3333% | 1,102 |
| Noncurrent assets plus other real estate owned to assets | 0.0267% | 4,604 |
| Noncurrent loans to loans | 0.1441% | 4,023 |
| Net loans and leases to total assets | 18.3985% | 5,165 |
| Net loans and leases to deposits | 21.0251% | 5,170 |
| Net loans and leases to core deposits | 24.3067% | 5,161 |
| Total domestic deposits to total assets | 87.5075% | 1,249 |
| Equity capital to assets | 12.3191% | 2,030 |
| Core capital (leverage) ratio | 12.3501% | 1,657 |
| Tier 1 risk-based capital ratio | 36.7921% | 309 |
| Total risk-based capital ratio | 37.1374% | 320 |
| Memoranda: | ||
| Average total assets | $45,490,500 | 4,893 |
| Average earning assets | $40,053,500 | 4,910 |
| Average equity | $5,038,250 | 4,942 |
| Average total loans | $8,231,000 | 5,166 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2326% | 5,145 |
| Cost of funding earning assets | 0.5570% | 3,852 |
| Net interest margin | 2.6756% | 5,022 |
| Noninterest income to average assets | 0.2146% | 4,456 |
| Noninterest expense to average assets | 2.0804% | 4,448 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.4905% | 4,541 |
| Return on assets (ROA) | 0.5124% | 4,536 |
| Pretax return on assets | 0.5124% | 4,684 |
| Return on Equity (ROE) | 4.8039% | 4,393 |
| Retained earnings to average equity (ytd only) | 4.8039% | 2,867 |
| Net charge-offs to loans | -0.0244% | 4,613 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.9199% | 890 |
| Assets per employee ($millions) | 5.6879% | 1,798 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6488% | 4,796 |
| Loan loss allowance to noncurrent loans | 588.8889% | 883 |
| Noncurrent assets plus other real estate owned to assets | 0.0198% | 4,689 |
| Noncurrent loans to loans | 0.1102% | 4,181 |
| Net loans and leases to total assets | 17.8362% | 5,215 |
| Net loans and leases to deposits | 20.2642% | 5,218 |
| Net loans and leases to core deposits | 23.6708% | 5,208 |
| Total domestic deposits to total assets | 88.0184% | 1,092 |
| Equity capital to assets | 11.7948% | 2,350 |
| Core capital (leverage) ratio | 11.6963% | 2,026 |
| Tier 1 risk-based capital ratio | 32.8445% | 398 |
| Total risk-based capital ratio | 33.1711% | 415 |
| Memoranda: | ||
| Average total assets | $45,663,670 | 4,936 |
| Average earning assets | $40,215,330 | 4,951 |
| Average equity | $4,871,000 | 5,001 |
| Average total loans | $8,199,330 | 5,215 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2394% | 5,201 |
| Cost of funding earning assets | 0.5449% | 3,848 |
| Net interest margin | 2.6944% | 5,067 |
| Noninterest income to average assets | 0.2011% | 4,551 |
| Noninterest expense to average assets | 2.2298% | 4,190 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.3061% | 4,891 |
| Return on assets (ROA) | 0.3235% | 4,875 |
| Pretax return on assets | 0.3235% | 4,935 |
| Return on Equity (ROE) | 3.2014% | 4,743 |
| Retained earnings to average equity (ytd only) | 3.2014% | 3,655 |
| Net charge-offs to loans | -0.0487% | 4,821 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.9310% | 486 |
| Assets per employee ($millions) | 5.7735% | 1,726 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6734% | 4,825 |
| Loan loss allowance to noncurrent loans | 883.3333% | 675 |
| Noncurrent assets plus other real estate owned to assets | 0.0130% | 4,807 |
| Noncurrent loans to loans | 0.0762% | 4,419 |
| Net loans and leases to total assets | 16.9243% | 5,280 |
| Net loans and leases to deposits | 18.9278% | 5,284 |
| Net loans and leases to core deposits | 22.3592% | 5,272 |
| Total domestic deposits to total assets | 89.4150% | 685 |
| Equity capital to assets | 10.4161% | 3,402 |
| Core capital (leverage) ratio | 11.4867% | 2,148 |
| Tier 1 risk-based capital ratio | 32.5359% | 398 |
| Total risk-based capital ratio | 32.8644% | 417 |
| Memoranda: | ||
| Average total assets | $45,744,000 | 4,983 |
| Average earning assets | $39,637,500 | 5,009 |
| Average equity | $4,623,000 | 5,069 |
| Average total loans | $8,214,500 | 5,275 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1613% | 5,169 |
| Cost of funding earning assets | 0.4129% | 3,909 |
| Net interest margin | 2.7484% | 5,063 |
| Noninterest income to average assets | 0.2723% | 4,280 |
| Noninterest expense to average assets | 2.3022% | 4,120 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.4118% | 4,841 |
| Return on assets (ROA) | 0.4051% | 4,845 |
| Pretax return on assets | 0.4051% | 4,926 |
| Return on Equity (ROE) | 4.1440% | 4,676 |
| Retained earnings to average equity (ytd only) | 4.0519% | 3,336 |
| Net charge-offs to loans | 0.2484% | 775 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 8.3182% | 2,908 |
| Efficiency ratio | 84.8259% | 594 |
| Assets per employee ($millions) | 5.6625% | 1,811 |
| Cash dividends to net income (ytd only)* | 2.2222% | 3,984 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6075% | 4,956 |
| Loan loss allowance to noncurrent loans | 5,200.0000% | 161 |
| Noncurrent assets plus other real estate owned to assets | 0.0022% | 4,921 |
| Noncurrent loans to loans | 0.0117% | 4,751 |
| Net loans and leases to total assets | 18.7792% | 5,315 |
| Net loans and leases to deposits | 20.8597% | 5,321 |
| Net loans and leases to core deposits | 23.8065% | 5,309 |
| Total domestic deposits to total assets | 90.0265% | 468 |
| Equity capital to assets | 9.7903% | 3,870 |
| Core capital (leverage) ratio | 12.1241% | 1,655 |
| Tier 1 risk-based capital ratio | 31.4036% | 416 |
| Total risk-based capital ratio | 31.7169% | 447 |
| Memoranda: | ||
| Average total assets | $44,435,200 | 5,041 |
| Average earning assets | $39,478,000 | 5,051 |
| Average equity | $4,343,600 | 5,130 |
| Average total loans | $8,856,600 | 5,308 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1412% | 5,225 |
| Cost of funding earning assets | 0.3889% | 3,943 |
| Net interest margin | 2.7523% | 5,128 |
| Noninterest income to average assets | 0.2864% | 4,240 |
| Noninterest expense to average assets | 2.2011% | 4,323 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.5608% | 4,618 |
| Return on assets (ROA) | 0.5518% | 4,649 |
| Pretax return on assets | 0.5518% | 4,814 |
| Return on Equity (ROE) | 5.6469% | 4,375 |
| Retained earnings to average equity (ytd only) | 5.6469% | 2,857 |
| Net charge-offs to loans | 0.3284% | 509 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 8.4552% | 2,705 |
| Efficiency ratio | 79.6943% | 974 |
| Assets per employee ($millions) | 5.2631% | 2,156 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5923% | 5,055 |
| Loan loss allowance to noncurrent loans | 1,300.0000% | 478 |
| Noncurrent assets plus other real estate owned to assets | 0.0095% | 4,969 |
| Noncurrent loans to loans | 0.0456% | 4,694 |
| Net loans and leases to total assets | 20.7291% | 5,378 |
| Net loans and leases to deposits | 23.0680% | 5,387 |
| Net loans and leases to core deposits | 26.6928% | 5,373 |
| Total domestic deposits to total assets | 89.8611% | 554 |
| Equity capital to assets | 9.9679% | 3,682 |
| Core capital (leverage) ratio | 12.0950% | 1,730 |
| Tier 1 risk-based capital ratio | 32.2359% | 394 |
| Total risk-based capital ratio | 32.5571% | 418 |
| Memoranda: | ||
| Average total assets | $44,219,000 | 5,105 |
| Average earning assets | $39,771,750 | 5,116 |
| Average equity | $4,320,750 | 5,198 |
| Average total loans | $8,931,000 | 5,372 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0886% | 5,296 |
| Cost of funding earning assets | 0.3669% | 3,964 |
| Net interest margin | 2.7218% | 5,200 |
| Noninterest income to average assets | 0.3027% | 4,152 |
| Noninterest expense to average assets | 2.2037% | 4,355 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.5431% | 4,641 |
| Return on assets (ROA) | 0.5298% | 4,686 |
| Pretax return on assets | 0.5298% | 4,853 |
| Return on Equity (ROE) | 5.4562% | 4,423 |
| Retained earnings to average equity (ytd only) | 5.4562% | 2,846 |
| Net charge-offs to loans | 0.4899% | 313 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 5.5455% | 2,698 |
| Efficiency ratio | 80.2269% | 991 |
| Assets per employee ($millions) | 5.4866% | 1,893 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5876% | 5,123 |
| Loan loss allowance to noncurrent loans | 2,600.0000% | 272 |
| Noncurrent assets plus other real estate owned to assets | 0.0046% | 5,031 |
| Noncurrent loans to loans | 0.0226% | 4,830 |
| Net loans and leases to total assets | 20.0419% | 5,445 |
| Net loans and leases to deposits | 22.1978% | 5,454 |
| Net loans and leases to core deposits | 25.6487% | 5,438 |
| Total domestic deposits to total assets | 90.2877% | 468 |
| Equity capital to assets | 9.5801% | 4,027 |
| Core capital (leverage) ratio | 11.7270% | 1,892 |
| Tier 1 risk-based capital ratio | 30.9020% | 447 |
| Total risk-based capital ratio | 31.2137% | 473 |
| Memoranda: | ||
| Average total assets | $44,923,670 | 5,153 |
| Average earning assets | $40,341,670 | 5,161 |
| Average equity | $4,362,000 | 5,250 |
| Average total loans | $8,981,330 | 5,432 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0813% | 5,327 |
| Cost of funding earning assets | 0.3729% | 3,800 |
| Net interest margin | 2.7084% | 5,250 |
| Noninterest income to average assets | 0.3873% | 3,553 |
| Noninterest expense to average assets | 2.0599% | 4,742 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.7571% | 3,886 |
| Return on assets (ROA) | 0.7306% | 3,989 |
| Pretax return on assets | 0.7306% | 4,352 |
| Return on Equity (ROE) | 7.4766% | 3,600 |
| Retained earnings to average equity (ytd only) | 7.4766% | 2,061 |
| Net charge-offs to loans | 0.7516% | 193 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 5.0588% | 2,259 |
| Efficiency ratio | 73.1250% | 2,022 |
| Assets per employee ($millions) | 5.5895% | 1,858 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6487% | 5,106 |
| Loan loss allowance to noncurrent loans | 329.4118% | 1,546 |
| Noncurrent assets plus other real estate owned to assets | 0.0380% | 4,922 |
| Noncurrent loans to loans | 0.1969% | 4,083 |
| Net loans and leases to total assets | 19.1811% | 5,509 |
| Net loans and leases to deposits | 21.2286% | 5,518 |
| Net loans and leases to core deposits | 24.8292% | 5,503 |
| Total domestic deposits to total assets | 90.3547% | 518 |
| Equity capital to assets | 9.5536% | 4,041 |
| Core capital (leverage) ratio | 11.1489% | 2,280 |
| Tier 1 risk-based capital ratio | 27.7272% | 575 |
| Total risk-based capital ratio | 28.0305% | 615 |
| Memoranda: | ||
| Average total assets | $45,439,000 | 5,199 |
| Average earning assets | $40,761,500 | 5,212 |
| Average equity | $4,440,500 | 5,294 |
| Average total loans | $9,047,500 | 5,489 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0513% | 5,324 |
| Cost of funding earning assets | 0.3962% | 3,293 |
| Net interest margin | 2.6551% | 5,312 |
| Noninterest income to average assets | 0.2031% | 4,926 |
| Noninterest expense to average assets | 2.1272% | 4,701 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.4241% | 4,612 |
| Return on assets (ROA) | 0.4576% | 4,531 |
| Pretax return on assets | 0.4576% | 5,003 |
| Return on Equity (ROE) | 4.3082% | 4,404 |
| Retained earnings to average equity (ytd only) | 2.6269% | 3,749 |
| Net charge-offs to loans | 0.1601% | 1,524 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 12.6667% | 2,450 |
| Efficiency ratio | 83.3771% | 821 |
| Assets per employee ($millions) | 5.7703% | 1,686 |
| Cash dividends to net income (ytd only)* | 39.0244% | 2,901 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7715% | 4,904 |
| Loan loss allowance to noncurrent loans | 2,433.3333% | 311 |
| Noncurrent assets plus other real estate owned to assets | 0.0065% | 5,152 |
| Noncurrent loans to loans | 0.0317% | 4,867 |
| Net loans and leases to total assets | 20.3392% | 5,570 |
| Net loans and leases to deposits | 22.6350% | 5,583 |
| Net loans and leases to core deposits | 27.4524% | 5,554 |
| Total domestic deposits to total assets | 89.8575% | 620 |
| Equity capital to assets | 9.9844% | 3,727 |
| Core capital (leverage) ratio | 11.2203% | 2,144 |
| Tier 1 risk-based capital ratio | 27.2113% | 587 |
| Total risk-based capital ratio | 27.6058% | 629 |
| Memoranda: | ||
| Average total assets | $44,801,400 | 5,256 |
| Average earning assets | $39,622,200 | 5,283 |
| Average equity | $4,758,400 | 5,313 |
| Average total loans | $9,368,800 | 5,551 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0776% | 5,357 |
| Cost of funding earning assets | 0.3983% | 3,213 |
| Net interest margin | 2.6793% | 5,346 |
| Noninterest income to average assets | 0.2129% | 4,945 |
| Noninterest expense to average assets | 2.0032% | 4,942 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.5698% | 4,510 |
| Return on assets (ROA) | 0.6148% | 4,380 |
| Pretax return on assets | 0.6148% | 4,815 |
| Return on Equity (ROE) | 5.6994% | 4,246 |
| Retained earnings to average equity (ytd only) | 5.6994% | 2,430 |
| Net charge-offs to loans | 0.1284% | 1,499 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 21.1108% | 1,926 |
| Efficiency ratio | 77.8555% | 1,350 |
| Assets per employee ($millions) | 5.4151% | 2,002 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8357% | 4,800 |
| Loan loss allowance to noncurrent loans | 4,000.0000% | 196 |
| Noncurrent assets plus other real estate owned to assets | 0.0046% | 5,245 |
| Noncurrent loans to loans | 0.0209% | 5,035 |
| Net loans and leases to total assets | 21.9132% | 5,626 |
| Net loans and leases to deposits | 24.7930% | 5,630 |
| Net loans and leases to core deposits | 30.1356% | 5,597 |
| Total domestic deposits to total assets | 88.3844% | 1,180 |
| Equity capital to assets | 11.4656% | 2,409 |
| Core capital (leverage) ratio | 11.5530% | 1,982 |
| Tier 1 risk-based capital ratio | 28.8144% | 529 |
| Total risk-based capital ratio | 29.2650% | 557 |
| Memoranda: | ||
| Average total assets | $44,461,250 | 5,317 |
| Average earning assets | $39,163,750 | 5,345 |
| Average equity | $4,795,750 | 5,365 |
| Average total loans | $9,345,500 | 5,611 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0787% | 5,367 |
| Cost of funding earning assets | 0.3938% | 3,135 |
| Net interest margin | 2.6849% | 5,373 |
| Noninterest income to average assets | 0.1962% | 5,065 |
| Noninterest expense to average assets | 1.9803% | 5,018 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.5575% | 4,486 |
| Return on assets (ROA) | 0.6244% | 4,237 |
| Pretax return on assets | 0.6244% | 4,751 |
| Return on Equity (ROE) | 5.9088% | 4,085 |
| Retained earnings to average equity (ytd only) | 5.9088% | 2,171 |
| Net charge-offs to loans | 0.1510% | 1,246 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 17.8571% | 1,908 |
| Efficiency ratio | 44.2882% | 5,517 |
| Assets per employee ($millions) | 5.6045% | 1,785 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8805% | 4,718 |
| Loan loss allowance to noncurrent loans | 745.4545% | 744 |
| Noncurrent assets plus other real estate owned to assets | 0.0245% | 5,172 |
| Noncurrent loans to loans | 0.1181% | 4,645 |
| Net loans and leases to total assets | 20.5884% | 5,679 |
| Net loans and leases to deposits | 23.1574% | 5,689 |
| Net loans and leases to core deposits | 27.6626% | 5,671 |
| Total domestic deposits to total assets | 88.9062% | 1,005 |
| Equity capital to assets | 10.9577% | 2,851 |
| Core capital (leverage) ratio | 11.1735% | 2,248 |
| Tier 1 risk-based capital ratio | 28.3200% | 534 |
| Total risk-based capital ratio | 28.7796% | 567 |
| Memoranda: | ||
| Average total assets | $44,841,330 | 5,346 |
| Average earning assets | $39,107,000 | 5,391 |
| Average equity | $4,738,670 | 5,412 |
| Average total loans | $9,269,670 | 5,661 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0877% | 5,380 |
| Cost of funding earning assets | 0.3911% | 3,091 |
| Net interest margin | 2.6966% | 5,398 |
| Noninterest income to average assets | 0.1873% | 5,152 |
| Noninterest expense to average assets | 1.8375% | 5,325 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.6868% | 3,762 |
| Return on assets (ROA) | 0.8206% | 3,178 |
| Pretax return on assets | 0.8206% | 4,033 |
| Return on Equity (ROE) | 7.9114% | 2,969 |
| Retained earnings to average equity (ytd only) | 7.9114% | 1,502 |
| Net charge-offs to loans | 0.2163% | 818 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 15.4000% | 1,676 |
| Efficiency ratio | 72.7915% | 2,445 |
| Assets per employee ($millions) | 5.6771% | 1,745 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9248% | 4,662 |
| Loan loss allowance to noncurrent loans | 1,383.3333% | 458 |
| Noncurrent assets plus other real estate owned to assets | 0.0132% | 5,299 |
| Noncurrent loans to loans | 0.0669% | 4,931 |
| Net loans and leases to total assets | 19.5786% | 5,753 |
| Net loans and leases to deposits | 21.8945% | 5,760 |
| Net loans and leases to core deposits | 25.8925% | 5,735 |
| Total domestic deposits to total assets | 89.4225% | 934 |
| Equity capital to assets | 10.4586% | 3,225 |
| Core capital (leverage) ratio | 10.9234% | 2,447 |
| Tier 1 risk-based capital ratio | 28.1820% | 552 |
| Total risk-based capital ratio | 28.6495% | 584 |
| Memoranda: | ||
| Average total assets | $44,844,000 | 5,410 |
| Average earning assets | $38,864,000 | 5,452 |
| Average equity | $4,651,500 | 5,483 |
| Average total loans | $9,248,000 | 5,726 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0395% | 5,468 |
| Cost of funding earning assets | 0.3949% | 3,044 |
| Net interest margin | 2.6446% | 5,480 |
| Noninterest income to average assets | 0.2151% | 5,128 |
| Noninterest expense to average assets | 2.1285% | 4,944 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.3917% | 4,971 |
| Return on assets (ROA) | 0.4144% | 4,979 |
| Pretax return on assets | 0.4144% | 5,201 |
| Return on Equity (ROE) | 3.7339% | 4,921 |
| Retained earnings to average equity (ytd only) | 2.5097% | 4,088 |
| Net charge-offs to loans | -0.0437% | 5,357 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.4564% | 973 |
| Assets per employee ($millions) | 5.5339% | 1,839 |
| Cash dividends to net income (ytd only)* | 32.7869% | 3,205 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9348% | 4,634 |
| Loan loss allowance to noncurrent loans | 329.6296% | 1,507 |
| Noncurrent assets plus other real estate owned to assets | 0.0610% | 5,092 |
| Noncurrent loans to loans | 0.2836% | 4,138 |
| Net loans and leases to total assets | 21.3051% | 5,788 |
| Net loans and leases to deposits | 23.7887% | 5,802 |
| Net loans and leases to core deposits | 27.9757% | 5,774 |
| Total domestic deposits to total assets | 89.5598% | 839 |
| Equity capital to assets | 10.2844% | 3,407 |
| Core capital (leverage) ratio | 11.3701% | 2,026 |
| Tier 1 risk-based capital ratio | 27.8032% | 577 |
| Total risk-based capital ratio | 28.3070% | 602 |
| Memoranda: | ||
| Average total assets | $44,163,200 | 5,463 |
| Average earning assets | $38,493,400 | 5,497 |
| Average equity | $4,901,000 | 5,485 |
| Average total loans | $9,163,400 | 5,781 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0645% | 5,510 |
| Cost of funding earning assets | 0.3969% | 3,050 |
| Net interest margin | 2.6677% | 5,527 |
| Noninterest income to average assets | 0.2417% | 5,027 |
| Noninterest expense to average assets | 2.0753% | 5,056 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.5015% | 4,695 |
| Return on assets (ROA) | 0.5075% | 4,769 |
| Pretax return on assets | 0.5075% | 5,108 |
| Return on Equity (ROE) | 4.4906% | 4,724 |
| Retained earnings to average equity (ytd only) | 4.4906% | 3,145 |
| Net charge-offs to loans | -0.0587% | 5,413 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.5393% | 1,369 |
| Assets per employee ($millions) | 5.3015% | 2,047 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9518% | 4,652 |
| Loan loss allowance to noncurrent loans | 684.6154% | 820 |
| Noncurrent assets plus other real estate owned to assets | 0.0307% | 5,376 |
| Noncurrent loans to loans | 0.1390% | 4,786 |
| Net loans and leases to total assets | 21.8382% | 5,846 |
| Net loans and leases to deposits | 24.8945% | 5,859 |
| Net loans and leases to core deposits | 29.5807% | 5,829 |
| Total domestic deposits to total assets | 87.7228% | 1,542 |
| Equity capital to assets | 12.1169% | 2,026 |
| Core capital (leverage) ratio | 11.4451% | 2,078 |
| Tier 1 risk-based capital ratio | 29.0239% | 521 |
| Total risk-based capital ratio | 29.5451% | 551 |
| Memoranda: | ||
| Average total assets | $44,136,250 | 5,518 |
| Average earning assets | $38,634,750 | 5,549 |
| Average equity | $4,988,000 | 5,528 |
| Average total loans | $9,074,000 | 5,850 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0539% | 5,591 |
| Cost of funding earning assets | 0.3894% | 3,156 |
| Net interest margin | 2.6645% | 5,607 |
| Noninterest income to average assets | 0.1968% | 5,318 |
| Noninterest expense to average assets | 2.0308% | 5,209 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.4920% | 4,710 |
| Return on assets (ROA) | 0.4920% | 4,812 |
| Pretax return on assets | 0.4920% | 5,149 |
| Return on Equity (ROE) | 4.4555% | 4,732 |
| Retained earnings to average equity (ytd only) | 4.4555% | 3,079 |
| Net charge-offs to loans | -0.1336% | 5,711 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.4965% | 1,446 |
| Assets per employee ($millions) | 5.5499% | 1,745 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9986% | 4,536 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 20.3203% | 5,935 |
| Net loans and leases to deposits | 22.9860% | 5,953 |
| Net loans and leases to core deposits | 27.6063% | 5,918 |
| Total domestic deposits to total assets | 88.4029% | 1,223 |
| Equity capital to assets | 11.4575% | 2,590 |
| Core capital (leverage) ratio | 11.1511% | 2,282 |
| Tier 1 risk-based capital ratio | 28.3770% | 572 |
| Total risk-based capital ratio | 28.9041% | 602 |
| Memoranda: | ||
| Average total assets | $44,711,000 | 5,567 |
| Average earning assets | $39,032,330 | 5,603 |
| Average equity | $4,937,670 | 5,593 |
| Average total loans | $8,981,670 | 5,927 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0730% | 5,630 |
| Cost of funding earning assets | 0.3854% | 3,240 |
| Net interest margin | 2.6876% | 5,632 |
| Noninterest income to average assets | 0.1961% | 5,329 |
| Noninterest expense to average assets | 2.0683% | 5,182 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.4903% | 4,666 |
| Return on assets (ROA) | 0.4903% | 4,769 |
| Pretax return on assets | 0.4903% | 5,110 |
| Return on Equity (ROE) | 4.5240% | 4,693 |
| Retained earnings to average equity (ytd only) | 4.5240% | 3,223 |
| Net charge-offs to loans | -0.2243% | 5,878 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.8362% | 1,502 |
| Assets per employee ($millions) | 4.9743% | 2,369 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0163% | 4,512 |
| Loan loss allowance to noncurrent loans | 4,500.0000% | 172 |
| Noncurrent assets plus other real estate owned to assets | 0.0045% | 5,660 |
| Noncurrent loans to loans | 0.0226% | 5,410 |
| Net loans and leases to total assets | 19.5805% | 6,000 |
| Net loans and leases to deposits | 22.0467% | 6,013 |
| Net loans and leases to core deposits | 26.7313% | 5,978 |
| Total domestic deposits to total assets | 88.8137% | 1,197 |
| Equity capital to assets | 11.0724% | 2,860 |
| Core capital (leverage) ratio | 10.8352% | 2,590 |
| Tier 1 risk-based capital ratio | 27.9806% | 609 |
| Total risk-based capital ratio | 28.5005% | 641 |
| Memoranda: | ||
| Average total assets | $44,867,000 | 5,621 |
| Average earning assets | $39,440,000 | 5,645 |
| Average equity | $4,863,000 | 5,646 |
| Average total loans | $8,916,000 | 5,983 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1184% | 5,613 |
| Cost of funding earning assets | 0.3985% | 3,181 |
| Net interest margin | 2.7200% | 5,627 |
| Noninterest income to average assets | 0.1932% | 5,431 |
| Noninterest expense to average assets | 2.1804% | 5,087 |
| Loan and lease loss provision to assets | 0.0555% | 3,201 |
| Net operating income to assets | 0.3064% | 5,336 |
| Return on assets (ROA) | 0.3508% | 5,307 |
| Pretax return on assets | 0.3508% | 5,422 |
| Return on Equity (ROE) | 3.2424% | 5,216 |
| Retained earnings to average equity (ytd only) | 3.2424% | 3,744 |
| Net charge-offs to loans | 0.0779% | 2,708 |
| Credit loss provision to net charge-offs | 357.1429% | 831 |
| Earnings coverage of net charge-offs (x) | 23.2857% | 1,737 |
| Efficiency ratio | 85.7642% | 1,012 |
| Assets per employee ($millions) | 4.9961% | 2,368 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9470% | 4,885 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 19.7732% | 6,051 |
| Net loans and leases to deposits | 22.1588% | 6,067 |
| Net loans and leases to core deposits | 26.7061% | 6,035 |
| Total domestic deposits to total assets | 89.2338% | 1,006 |
| Equity capital to assets | 10.6060% | 3,237 |
| Core capital (leverage) ratio | 10.6656% | 2,749 |
| Tier 1 risk-based capital ratio | 27.2603% | 646 |
| Total risk-based capital ratio | 27.7442% | 681 |
| Memoranda: | ||
| Average total assets | $45,038,600 | 5,657 |
| Average earning assets | $38,897,600 | 5,707 |
| Average equity | $4,873,000 | 5,683 |
| Average total loans | $8,990,000 | 6,032 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1306% | 5,667 |
| Cost of funding earning assets | 0.4007% | 3,217 |
| Net interest margin | 2.7298% | 5,692 |
| Noninterest income to average assets | 0.2101% | 5,393 |
| Noninterest expense to average assets | 2.1572% | 5,148 |
| Loan and lease loss provision to assets | 0.0740% | 2,690 |
| Net operating income to assets | 0.3374% | 5,353 |
| Return on assets (ROA) | 0.3936% | 5,276 |
| Pretax return on assets | 0.3936% | 5,471 |
| Return on Equity (ROE) | 3.6197% | 5,176 |
| Retained earnings to average equity (ytd only) | 3.6197% | 3,892 |
| Net charge-offs to loans | 0.0297% | 3,341 |
| Credit loss provision to net charge-offs | 1,250.0000% | 292 |
| Earnings coverage of net charge-offs (x) | 69.4120% | 821 |
| Efficiency ratio | 83.9862% | 1,174 |
| Assets per employee ($millions) | 4.9446% | 2,368 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9996% | 4,748 |
| Loan loss allowance to noncurrent loans | 306.8966% | 1,589 |
| Noncurrent assets plus other real estate owned to assets | 0.0652% | 5,507 |
| Noncurrent loans to loans | 0.3257% | 4,438 |
| Net loans and leases to total assets | 19.8085% | 6,137 |
| Net loans and leases to deposits | 22.3170% | 6,157 |
| Net loans and leases to core deposits | 26.1131% | 6,133 |
| Total domestic deposits to total assets | 88.7598% | 1,147 |
| Equity capital to assets | 11.0582% | 2,954 |
| Core capital (leverage) ratio | 10.4353% | 3,125 |
| Tier 1 risk-based capital ratio | 27.2873% | 663 |
| Total risk-based capital ratio | 27.7972% | 707 |
| Memoranda: | ||
| Average total assets | $45,057,000 | 5,728 |
| Average earning assets | $38,927,250 | 5,780 |
| Average equity | $4,899,000 | 5,748 |
| Average total loans | $8,993,500 | 6,114 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1869% | 5,642 |
| Cost of funding earning assets | 0.4049% | 3,224 |
| Net interest margin | 2.7821% | 5,656 |
| Noninterest income to average assets | 0.1901% | 5,543 |
| Noninterest expense to average assets | 2.0954% | 5,349 |
| Loan and lease loss provision to assets | 0.1105% | 1,988 |
| Net operating income to assets | 0.3537% | 5,283 |
| Return on assets (ROA) | 0.3537% | 5,393 |
| Pretax return on assets | 0.3537% | 5,561 |
| Return on Equity (ROE) | 3.2709% | 5,319 |
| Retained earnings to average equity (ytd only) | 3.2709% | 3,970 |
| Net charge-offs to loans | 0.0443% | 2,814 |
| Credit loss provision to net charge-offs | 1,250.0000% | 285 |
| Earnings coverage of net charge-offs (x) | 52.5000% | 922 |
| Efficiency ratio | 81.8653% | 1,508 |
| Assets per employee ($millions) | 5.0229% | 2,251 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9665% | 5,021 |
| Loan loss allowance to noncurrent loans | 977.7778% | 575 |
| Noncurrent assets plus other real estate owned to assets | 0.0199% | 5,816 |
| Noncurrent loans to loans | 0.0988% | 5,345 |
| Net loans and leases to total assets | 19.9465% | 6,206 |
| Net loans and leases to deposits | 22.3897% | 6,226 |
| Net loans and leases to core deposits | 26.9599% | 6,192 |
| Total domestic deposits to total assets | 89.0877% | 1,107 |
| Equity capital to assets | 10.7596% | 3,154 |
| Core capital (leverage) ratio | 10.3879% | 3,097 |
| Tier 1 risk-based capital ratio | 26.7553% | 725 |
| Total risk-based capital ratio | 27.2552% | 766 |
| Memoranda: | ||
| Average total assets | $45,242,330 | 5,788 |
| Average earning assets | $38,532,670 | 5,848 |
| Average equity | $4,891,670 | 5,803 |
| Average total loans | $9,023,330 | 6,183 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3256% | 5,385 |
| Cost of funding earning assets | 0.4079% | 3,223 |
| Net interest margin | 2.9177% | 5,414 |
| Noninterest income to average assets | 0.1679% | 5,716 |
| Noninterest expense to average assets | 2.0680% | 5,452 |
| Loan and lease loss provision to assets | 0.2209% | 803 |
| Net operating income to assets | 0.3447% | 5,264 |
| Return on assets (ROA) | 0.3447% | 5,383 |
| Pretax return on assets | 0.3447% | 5,550 |
| Return on Equity (ROE) | 3.1801% | 5,307 |
| Retained earnings to average equity (ytd only) | 3.1801% | 4,077 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.5235% | 2,111 |
| Assets per employee ($millions) | 5.1490% | 2,171 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0884% | 4,575 |
| Loan loss allowance to noncurrent loans | 395.6522% | 1,216 |
| Noncurrent assets plus other real estate owned to assets | 0.0496% | 5,737 |
| Noncurrent loans to loans | 0.2751% | 4,796 |
| Net loans and leases to total assets | 17.8460% | 6,291 |
| Net loans and leases to deposits | 20.0019% | 6,306 |
| Net loans and leases to core deposits | 24.1418% | 6,275 |
| Total domestic deposits to total assets | 89.2212% | 1,130 |
| Equity capital to assets | 10.6579% | 3,360 |
| Core capital (leverage) ratio | 10.7606% | 2,671 |
| Tier 1 risk-based capital ratio | 28.7972% | 603 |
| Total risk-based capital ratio | 29.3277% | 633 |
| Memoranda: | ||
| Average total assets | $45,260,500 | 5,840 |
| Average earning assets | $38,249,000 | 5,913 |
| Average equity | $4,905,500 | 5,855 |
| Average total loans | $8,982,500 | 6,252 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3608% | 5,604 |
| Cost of funding earning assets | 0.4201% | 3,475 |
| Net interest margin | 2.9407% | 5,567 |
| Noninterest income to average assets | 0.2098% | 5,605 |
| Noninterest expense to average assets | 2.2602% | 5,215 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.5391% | 4,641 |
| Return on assets (ROA) | 0.7241% | 3,881 |
| Pretax return on assets | 0.7241% | 4,533 |
| Return on Equity (ROE) | 6.9047% | 3,687 |
| Retained earnings to average equity (ytd only) | 5.7002% | 2,131 |
| Net charge-offs to loans | 0.4065% | 1,057 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 6.1282% | 3,268 |
| Efficiency ratio | 80.7413% | 1,816 |
| Assets per employee ($millions) | 4.9089% | 2,439 |
| Cash dividends to net income (ytd only)* | 17.4455% | 3,899 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6872% | 6,013 |
| Loan loss allowance to noncurrent loans | 183.3333% | 2,401 |
| Noncurrent assets plus other real estate owned to assets | 0.0815% | 5,702 |
| Noncurrent loans to loans | 0.3748% | 4,520 |
| Net loans and leases to total assets | 21.5890% | 6,349 |
| Net loans and leases to deposits | 24.3136% | 6,365 |
| Net loans and leases to core deposits | 29.3929% | 6,317 |
| Total domestic deposits to total assets | 88.7936% | 1,359 |
| Equity capital to assets | 11.0276% | 2,865 |
| Core capital (leverage) ratio | 10.4664% | 2,986 |
| Tier 1 risk-based capital ratio | 26.2695% | 741 |
| Total risk-based capital ratio | 26.6440% | 794 |
| Memoranda: | ||
| Average total assets | $44,332,600 | 5,919 |
| Average earning assets | $39,038,200 | 5,949 |
| Average equity | $4,649,000 | 5,944 |
| Average total loans | $9,594,800 | 6,325 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3645% | 5,647 |
| Cost of funding earning assets | 0.4244% | 3,528 |
| Net interest margin | 2.9401% | 5,617 |
| Noninterest income to average assets | 0.2103% | 5,674 |
| Noninterest expense to average assets | 2.1695% | 5,409 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.6431% | 4,247 |
| Return on assets (ROA) | 0.8895% | 3,063 |
| Pretax return on assets | 0.8895% | 4,035 |
| Return on Equity (ROE) | 8.5922% | 2,909 |
| Retained earnings to average equity (ytd only) | 8.5922% | 1,127 |
| Net charge-offs to loans | 0.0139% | 4,276 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 214.5338% | 304 |
| Efficiency ratio | 77.1368% | 2,331 |
| Assets per employee ($millions) | 4.7266% | 2,627 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0262% | 5,098 |
| Loan loss allowance to noncurrent loans | 203.9216% | 2,124 |
| Noncurrent assets plus other real estate owned to assets | 0.1199% | 5,689 |
| Noncurrent loans to loans | 0.5033% | 4,421 |
| Net loans and leases to total assets | 23.5784% | 6,396 |
| Net loans and leases to deposits | 26.6048% | 6,418 |
| Net loans and leases to core deposits | 32.0417% | 6,361 |
| Total domestic deposits to total assets | 88.6246% | 1,436 |
| Equity capital to assets | 11.1897% | 2,774 |
| Core capital (leverage) ratio | 10.5327% | 3,010 |
| Tier 1 risk-based capital ratio | 26.3152% | 758 |
| Total risk-based capital ratio | 26.9022% | 799 |
| Memoranda: | ||
| Average total assets | $44,370,750 | 5,989 |
| Average earning assets | $39,271,750 | 6,010 |
| Average equity | $4,593,250 | 6,023 |
| Average total loans | $9,592,500 | 6,400 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3814% | 5,661 |
| Cost of funding earning assets | 0.4297% | 3,551 |
| Net interest margin | 2.9517% | 5,631 |
| Noninterest income to average assets | 0.1912% | 5,814 |
| Noninterest expense to average assets | 2.1476% | 5,524 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.6091% | 4,315 |
| Return on assets (ROA) | 0.6091% | 4,405 |
| Pretax return on assets | 0.6091% | 4,929 |
| Return on Equity (ROE) | 6.0383% | 4,127 |
| Retained earnings to average equity (ytd only) | 6.0383% | 2,298 |
| Net charge-offs to loans | -0.0637% | 5,983 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.9032% | 2,302 |
| Assets per employee ($millions) | 4.9810% | 2,237 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1973% | 4,436 |
| Loan loss allowance to noncurrent loans | 415.3846% | 1,109 |
| Noncurrent assets plus other real estate owned to assets | 0.0580% | 6,007 |
| Noncurrent loans to loans | 0.2882% | 5,156 |
| Net loans and leases to total assets | 19.8800% | 6,508 |
| Net loans and leases to deposits | 22.2861% | 6,530 |
| Net loans and leases to core deposits | 27.8500% | 6,475 |
| Total domestic deposits to total assets | 89.2034% | 1,248 |
| Equity capital to assets | 10.6627% | 3,237 |
| Core capital (leverage) ratio | 9.9885% | 3,628 |
| Tier 1 risk-based capital ratio | 26.1349% | 757 |
| Total risk-based capital ratio | 26.7619% | 804 |
| Memoranda: | ||
| Average total assets | $44,981,330 | 6,032 |
| Average earning assets | $39,095,670 | 6,074 |
| Average equity | $4,537,670 | 6,081 |
| Average total loans | $9,412,000 | 6,465 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4887% | 5,456 |
| Cost of funding earning assets | 0.4348% | 3,600 |
| Net interest margin | 3.0539% | 5,376 |
| Noninterest income to average assets | 0.1864% | 5,847 |
| Noninterest expense to average assets | 2.1395% | 5,599 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.6658% | 3,867 |
| Return on assets (ROA) | 0.6658% | 3,954 |
| Pretax return on assets | 0.6658% | 4,615 |
| Return on Equity (ROE) | 6.7927% | 3,589 |
| Retained earnings to average equity (ytd only) | 6.7927% | 2,149 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2658% | 2,756 |
| Assets per employee ($millions) | 5.0816% | 2,148 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1761% | 4,751 |
| Loan loss allowance to noncurrent loans | 656.2500% | 749 |
| Noncurrent assets plus other real estate owned to assets | 0.0350% | 6,189 |
| Noncurrent loans to loans | 0.1792% | 5,559 |
| Net loans and leases to total assets | 19.2920% | 6,587 |
| Net loans and leases to deposits | 21.4114% | 6,605 |
| Net loans and leases to core deposits | 26.6306% | 6,541 |
| Total domestic deposits to total assets | 90.1015% | 1,014 |
| Equity capital to assets | 9.7761% | 4,135 |
| Core capital (leverage) ratio | 9.6922% | 4,007 |
| Tier 1 risk-based capital ratio | 25.4005% | 847 |
| Total risk-based capital ratio | 26.0011% | 896 |
| Memoranda: | ||
| Average total assets | $45,057,500 | 6,088 |
| Average earning assets | $38,638,500 | 6,142 |
| Average equity | $4,416,500 | 6,157 |
| Average total loans | $9,608,000 | 6,530 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3731% | 5,893 |
| Cost of funding earning assets | 0.4698% | 3,913 |
| Net interest margin | 2.9033% | 5,780 |
| Noninterest income to average assets | 0.2019% | 5,875 |
| Noninterest expense to average assets | 2.1936% | 5,644 |
| Loan and lease loss provision to assets | 0.0561% | 4,027 |
| Net operating income to assets | 0.3499% | 5,330 |
| Return on assets (ROA) | 0.3499% | 5,444 |
| Pretax return on assets | 0.3499% | 5,605 |
| Return on Equity (ROE) | 3.4382% | 5,351 |
| Retained earnings to average equity (ytd only) | 2.3362% | 4,584 |
| Net charge-offs to loans | 0.3322% | 2,014 |
| Credit loss provision to net charge-offs | 75.7576% | 3,149 |
| Earnings coverage of net charge-offs (x) | 5.4848% | 3,291 |
| Efficiency ratio | 84.3831% | 1,587 |
| Assets per employee ($millions) | 4.9312% | 2,267 |
| Cash dividends to net income (ytd only)* | 32.0513% | 3,193 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0206% | 5,461 |
| Loan loss allowance to noncurrent loans | 223.4043% | 1,915 |
| Noncurrent assets plus other real estate owned to assets | 0.1059% | 6,012 |
| Noncurrent loans to loans | 0.4568% | 4,855 |
| Net loans and leases to total assets | 22.9445% | 6,622 |
| Net loans and leases to deposits | 25.4906% | 6,645 |
| Net loans and leases to core deposits | 31.5664% | 6,571 |
| Total domestic deposits to total assets | 90.0115% | 1,070 |
| Equity capital to assets | 9.8285% | 3,989 |
| Core capital (leverage) ratio | 9.8488% | 3,776 |
| Tier 1 risk-based capital ratio | 23.6086% | 1,003 |
| Total risk-based capital ratio | 24.1765% | 1,085 |
| Memoranda: | ||
| Average total assets | $44,585,000 | 6,163 |
| Average earning assets | $36,820,600 | 6,262 |
| Average equity | $4,537,200 | 6,193 |
| Average total loans | $9,933,000 | 6,595 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3204% | 6,028 |
| Cost of funding earning assets | 0.4738% | 4,029 |
| Net interest margin | 2.8466% | 5,925 |
| Noninterest income to average assets | 0.2061% | 5,943 |
| Noninterest expense to average assets | 2.1447% | 5,733 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.4122% | 5,201 |
| Return on assets (ROA) | 0.4122% | 5,336 |
| Pretax return on assets | 0.4122% | 5,594 |
| Return on Equity (ROE) | 4.0166% | 5,217 |
| Retained earnings to average equity (ytd only) | 4.0166% | 3,836 |
| Net charge-offs to loans | 0.0948% | 3,616 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 19.7213% | 1,623 |
| Efficiency ratio | 83.8785% | 1,614 |
| Assets per employee ($millions) | 4.9284% | 2,264 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0241% | 5,619 |
| Loan loss allowance to noncurrent loans | 55.4974% | 4,992 |
| Noncurrent assets plus other real estate owned to assets | 0.4306% | 5,137 |
| Noncurrent loans to loans | 1.8452% | 2,440 |
| Net loans and leases to total assets | 23.0972% | 6,702 |
| Net loans and leases to deposits | 25.6754% | 6,733 |
| Net loans and leases to core deposits | 30.7482% | 6,673 |
| Total domestic deposits to total assets | 89.9585% | 1,021 |
| Equity capital to assets | 9.8882% | 4,070 |
| Core capital (leverage) ratio | 10.0900% | 3,541 |
| Tier 1 risk-based capital ratio | 23.7972% | 1,033 |
| Total risk-based capital ratio | 24.3708% | 1,109 |
| Memoranda: | ||
| Average total assets | $44,636,000 | 6,232 |
| Average earning assets | $36,861,750 | 6,334 |
| Average equity | $4,581,000 | 6,259 |
| Average total loans | $9,844,250 | 6,675 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2998% | 6,088 |
| Cost of funding earning assets | 0.4799% | 4,098 |
| Net interest margin | 2.8199% | 5,963 |
| Noninterest income to average assets | 0.1878% | 6,084 |
| Noninterest expense to average assets | 2.1552% | 5,735 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.3711% | 5,331 |
| Return on assets (ROA) | 0.3711% | 5,503 |
| Pretax return on assets | 0.3711% | 5,706 |
| Return on Equity (ROE) | 3.5730% | 5,392 |
| Retained earnings to average equity (ytd only) | 3.5730% | 4,045 |
| Net charge-offs to loans | 0.0413% | 4,098 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 41.5000% | 908 |
| Efficiency ratio | 85.3097% | 1,485 |
| Assets per employee ($millions) | 4.8797% | 2,260 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1315% | 5,310 |
| Loan loss allowance to noncurrent loans | 67.2727% | 4,514 |
| Noncurrent assets plus other real estate owned to assets | 0.3757% | 5,351 |
| Noncurrent loans to loans | 1.6820% | 2,794 |
| Net loans and leases to total assets | 22.0848% | 6,762 |
| Net loans and leases to deposits | 24.5856% | 6,796 |
| Net loans and leases to core deposits | 30.3179% | 6,715 |
| Total domestic deposits to total assets | 89.8285% | 1,137 |
| Equity capital to assets | 10.0280% | 3,880 |
| Core capital (leverage) ratio | 9.6560% | 4,002 |
| Tier 1 risk-based capital ratio | 24.2245% | 975 |
| Total risk-based capital ratio | 24.8438% | 1,028 |
| Memoranda: | ||
| Average total assets | $44,729,330 | 6,266 |
| Average earning assets | $37,093,330 | 6,368 |
| Average equity | $4,646,000 | 6,284 |
| Average total loans | $9,675,330 | 6,722 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3390% | 6,068 |
| Cost of funding earning assets | 0.4863% | 4,219 |
| Net interest margin | 2.8527% | 5,908 |
| Noninterest income to average assets | 0.1684% | 6,250 |
| Noninterest expense to average assets | 2.1092% | 5,898 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.3988% | 5,135 |
| Return on assets (ROA) | 0.3988% | 5,278 |
| Pretax return on assets | 0.3988% | 5,562 |
| Return on Equity (ROE) | 3.7760% | 5,207 |
| Retained earnings to average equity (ytd only) | 3.7760% | 3,973 |
| Net charge-offs to loans | 0.1249% | 2,673 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 15.0000% | 1,421 |
| Efficiency ratio | 84.0989% | 1,754 |
| Assets per employee ($millions) | 5.0372% | 2,163 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1790% | 5,273 |
| Loan loss allowance to noncurrent loans | 107.8431% | 3,155 |
| Noncurrent assets plus other real estate owned to assets | 0.2250% | 5,892 |
| Noncurrent loans to loans | 1.0932% | 3,957 |
| Net loans and leases to total assets | 20.3375% | 6,850 |
| Net loans and leases to deposits | 22.7682% | 6,879 |
| Net loans and leases to core deposits | 28.2069% | 6,793 |
| Total domestic deposits to total assets | 89.3239% | 1,473 |
| Equity capital to assets | 10.5614% | 3,476 |
| Core capital (leverage) ratio | 9.4266% | 4,198 |
| Tier 1 risk-based capital ratio | 24.3535% | 976 |
| Total risk-based capital ratio | 24.9760% | 1,037 |
| Memoranda: | ||
| Average total assets | $45,135,500 | 6,313 |
| Average earning assets | $37,017,500 | 6,430 |
| Average equity | $4,767,000 | 6,314 |
| Average total loans | $9,608,000 | 6,792 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5733% | 6,264 |
| Cost of funding earning assets | 0.6633% | 3,800 |
| Net interest margin | 2.9100% | 6,208 |
| Noninterest income to average assets | 0.2148% | 5,889 |
| Noninterest expense to average assets | 2.3566% | 5,541 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.2932% | 5,494 |
| Return on assets (ROA) | 0.5819% | 4,583 |
| Pretax return on assets | 0.5819% | 5,045 |
| Return on Equity (ROE) | 5.5019% | 4,428 |
| Retained earnings to average equity (ytd only) | 4.6555% | 2,938 |
| Net charge-offs to loans | -0.0401% | 6,668 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.9358% | 1,152 |
| Assets per employee ($millions) | 4.9929% | 2,237 |
| Cash dividends to net income (ytd only)* | 15.3846% | 3,908 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1430% | 5,377 |
| Loan loss allowance to noncurrent loans | 126.9663% | 2,709 |
| Noncurrent assets plus other real estate owned to assets | 0.1981% | 6,064 |
| Noncurrent loans to loans | 0.9003% | 4,382 |
| Net loans and leases to total assets | 21.7487% | 6,901 |
| Net loans and leases to deposits | 24.3631% | 6,924 |
| Net loans and leases to core deposits | 29.6322% | 6,852 |
| Total domestic deposits to total assets | 89.2692% | 1,395 |
| Equity capital to assets | 10.5617% | 3,449 |
| Core capital (leverage) ratio | 9.5914% | 3,977 |
| Tier 1 risk-based capital ratio | 23.4976% | 1,038 |
| Total risk-based capital ratio | 24.1212% | 1,114 |
| Memoranda: | ||
| Average total assets | $44,683,800 | 6,356 |
| Average earning assets | $37,388,800 | 6,458 |
| Average equity | $4,725,600 | 6,374 |
| Average total loans | $9,971,400 | 6,849 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5571% | 6,443 |
| Cost of funding earning assets | 0.6953% | 3,810 |
| Net interest margin | 2.8618% | 6,416 |
| Noninterest income to average assets | 0.2121% | 6,023 |
| Noninterest expense to average assets | 2.2052% | 5,938 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.4422% | 5,068 |
| Return on assets (ROA) | 0.8277% | 3,555 |
| Pretax return on assets | 0.8277% | 4,388 |
| Return on Equity (ROE) | 7.8237% | 3,358 |
| Retained earnings to average equity (ytd only) | 7.8237% | 1,695 |
| Net charge-offs to loans | 0.0533% | 4,906 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 37.0225% | 934 |
| Efficiency ratio | 83.2957% | 1,669 |
| Assets per employee ($millions) | 4.6497% | 2,677 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0073% | 6,052 |
| Loan loss allowance to noncurrent loans | 111.7021% | 2,938 |
| Noncurrent assets plus other real estate owned to assets | 0.2246% | 6,145 |
| Noncurrent loans to loans | 0.9018% | 4,629 |
| Net loans and leases to total assets | 24.6589% | 6,953 |
| Net loans and leases to deposits | 28.0027% | 6,983 |
| Net loans and leases to core deposits | 33.3463% | 6,910 |
| Total domestic deposits to total assets | 88.0589% | 2,011 |
| Equity capital to assets | 11.7571% | 2,478 |
| Core capital (leverage) ratio | 10.0035% | 3,537 |
| Tier 1 risk-based capital ratio | 24.2091% | 993 |
| Total risk-based capital ratio | 24.7981% | 1,065 |
| Memoranda: | ||
| Average total assets | $44,620,750 | 6,431 |
| Average earning assets | $37,970,500 | 6,511 |
| Average equity | $4,720,500 | 6,452 |
| Average total loans | $9,992,750 | 6,939 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5611% | 6,530 |
| Cost of funding earning assets | 0.7310% | 3,763 |
| Net interest margin | 2.8301% | 6,529 |
| Noninterest income to average assets | 0.1888% | 6,212 |
| Noninterest expense to average assets | 2.1912% | 6,034 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.3776% | 5,315 |
| Return on assets (ROA) | 0.9441% | 2,946 |
| Pretax return on assets | 0.9441% | 3,904 |
| Return on Equity (ROE) | 9.2394% | 2,694 |
| Retained earnings to average equity (ytd only) | 9.2394% | 1,197 |
| Net charge-offs to loans | 0.0609% | 4,571 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 28.6667% | 1,105 |
| Efficiency ratio | 85.2991% | 1,500 |
| Assets per employee ($millions) | 5.0679% | 2,078 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0784% | 5,872 |
| Loan loss allowance to noncurrent loans | 97.2222% | 3,279 |
| Noncurrent assets plus other real estate owned to assets | 0.2368% | 6,178 |
| Noncurrent loans to loans | 1.1092% | 4,306 |
| Net loans and leases to total assets | 21.1177% | 7,068 |
| Net loans and leases to deposits | 23.5738% | 7,094 |
| Net loans and leases to core deposits | 29.7183% | 7,032 |
| Total domestic deposits to total assets | 89.5815% | 1,173 |
| Equity capital to assets | 10.2585% | 3,986 |
| Core capital (leverage) ratio | 9.3167% | 4,429 |
| Tier 1 risk-based capital ratio | 23.5327% | 1,071 |
| Total risk-based capital ratio | 24.1135% | 1,133 |
| Memoranda: | ||
| Average total assets | $45,545,330 | 6,445 |
| Average earning assets | $38,302,330 | 6,539 |
| Average equity | $4,654,000 | 6,499 |
| Average total loans | $9,849,000 | 7,003 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7068% | 6,425 |
| Cost of funding earning assets | 0.7455% | 3,899 |
| Net interest margin | 2.9613% | 6,371 |
| Noninterest income to average assets | 0.1846% | 6,273 |
| Noninterest expense to average assets | 2.2060% | 6,031 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.4922% | 4,862 |
| Return on assets (ROA) | 0.4922% | 5,063 |
| Pretax return on assets | 0.4922% | 5,454 |
| Return on Equity (ROE) | 4.8260% | 4,867 |
| Retained earnings to average equity (ytd only) | 4.8260% | 3,654 |
| Net charge-offs to loans | 0.2019% | 2,907 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 11.2000% | 1,691 |
| Efficiency ratio | 81.7590% | 1,967 |
| Assets per employee ($millions) | 5.0097% | 2,238 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0590% | 6,052 |
| Loan loss allowance to noncurrent loans | 273.6842% | 1,228 |
| Noncurrent assets plus other real estate owned to assets | 0.0843% | 6,678 |
| Noncurrent loans to loans | 0.3869% | 5,903 |
| Net loans and leases to total assets | 21.5517% | 7,117 |
| Net loans and leases to deposits | 24.0728% | 7,141 |
| Net loans and leases to core deposits | 30.3069% | 7,071 |
| Total domestic deposits to total assets | 89.5269% | 1,355 |
| Equity capital to assets | 10.3223% | 3,710 |
| Core capital (leverage) ratio | 9.0565% | 4,751 |
| Tier 1 risk-based capital ratio | 22.9193% | 1,145 |
| Total risk-based capital ratio | 23.5014% | 1,219 |
| Memoranda: | ||
| Average total assets | $45,512,500 | 6,495 |
| Average earning assets | $38,632,000 | 6,576 |
| Average equity | $4,641,500 | 6,533 |
| Average total loans | $9,905,000 | 7,064 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0912% | 6,295 |
| Cost of funding earning assets | 0.9245% | 3,925 |
| Net interest margin | 3.1667% | 6,177 |
| Noninterest income to average assets | 0.2521% | 5,722 |
| Noninterest expense to average assets | 2.2995% | 6,037 |
| Loan and lease loss provision to assets | 0.0951% | 5,408 |
| Net operating income to assets | 0.5778% | 4,110 |
| Return on assets (ROA) | 0.5778% | 4,291 |
| Pretax return on assets | 0.5778% | 4,751 |
| Return on Equity (ROE) | 5.4270% | 4,180 |
| Retained earnings to average equity (ytd only) | 4.3103% | 3,113 |
| Net charge-offs to loans | 0.0560% | 5,749 |
| Credit loss provision to net charge-offs | 666.6667% | 330 |
| Earnings coverage of net charge-offs (x) | 47.1667% | 586 |
| Efficiency ratio | 77.3600% | 2,688 |
| Assets per employee ($millions) | 5.1042% | 2,058 |
| Cash dividends to net income (ytd only)* | 20.5761% | 3,503 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0912% | 5,845 |
| Loan loss allowance to noncurrent loans | 105.8252% | 2,902 |
| Noncurrent assets plus other real estate owned to assets | 0.2634% | 6,308 |
| Noncurrent loans to loans | 1.0311% | 4,645 |
| Net loans and leases to total assets | 21.5072% | 7,189 |
| Net loans and leases to deposits | 23.9660% | 7,211 |
| Net loans and leases to core deposits | 29.2403% | 7,163 |
| Total domestic deposits to total assets | 89.7405% | 1,136 |
| Equity capital to assets | 10.0766% | 4,066 |
| Core capital (leverage) ratio | 8.7489% | 5,174 |
| Tier 1 risk-based capital ratio | 22.1874% | 1,213 |
| Total risk-based capital ratio | 22.7862% | 1,281 |
| Memoranda: | ||
| Average total assets | $42,053,000 | 6,597 |
| Average earning assets | $36,126,000 | 6,673 |
| Average equity | $4,477,600 | 6,603 |
| Average total loans | $10,715,400 | 7,091 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1915% | 6,226 |
| Cost of funding earning assets | 0.9588% | 3,974 |
| Net interest margin | 3.2326% | 6,068 |
| Noninterest income to average assets | 0.2694% | 5,690 |
| Noninterest expense to average assets | 2.2589% | 6,151 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.7789% | 3,256 |
| Return on assets (ROA) | 0.7789% | 3,424 |
| Pretax return on assets | 0.7789% | 4,200 |
| Return on Equity (ROE) | 7.2074% | 3,419 |
| Retained earnings to average equity (ytd only) | 7.2074% | 1,863 |
| Net charge-offs to loans | 0.1590% | 4,506 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 18.4645% | 1,305 |
| Efficiency ratio | 74.3590% | 3,111 |
| Assets per employee ($millions) | 5.1252% | 2,026 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5874% | 7,098 |
| Loan loss allowance to noncurrent loans | 66.3043% | 4,137 |
| Noncurrent assets plus other real estate owned to assets | 0.1994% | 6,563 |
| Noncurrent loans to loans | 0.8860% | 5,085 |
| Net loans and leases to total assets | 22.3795% | 7,252 |
| Net loans and leases to deposits | 24.9855% | 7,280 |
| Net loans and leases to core deposits | 31.1365% | 7,215 |
| Total domestic deposits to total assets | 89.5701% | 1,108 |
| Equity capital to assets | 10.2348% | 4,039 |
| Core capital (leverage) ratio | 9.3651% | 4,356 |
| Tier 1 risk-based capital ratio | 22.3805% | 1,230 |
| Total risk-based capital ratio | 22.7146% | 1,347 |
| Memoranda: | ||
| Average total assets | $41,081,750 | 6,690 |
| Average earning assets | $35,181,750 | 6,767 |
| Average equity | $4,439,750 | 6,667 |
| Average total loans | $10,897,000 | 7,156 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4801% | 5,415 |
| Cost of funding earning assets | 1.0171% | 3,837 |
| Net interest margin | 3.4630% | 5,312 |
| Noninterest income to average assets | 0.2640% | 5,761 |
| Noninterest expense to average assets | 2.3604% | 5,961 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.8071% | 3,040 |
| Return on assets (ROA) | 0.8071% | 3,161 |
| Pretax return on assets | 0.8071% | 4,001 |
| Return on Equity (ROE) | 7.3171% | 3,289 |
| Retained earnings to average equity (ytd only) | 7.3171% | 1,733 |
| Net charge-offs to loans | 0.2349% | 3,713 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 12.2308% | 1,642 |
| Efficiency ratio | 74.5192% | 3,271 |
| Assets per employee ($millions) | 4.4864% | 2,864 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5687% | 7,179 |
| Loan loss allowance to noncurrent loans | 144.1860% | 2,050 |
| Noncurrent assets plus other real estate owned to assets | 0.1065% | 6,830 |
| Noncurrent loans to loans | 0.3944% | 6,114 |
| Net loans and leases to total assets | 26.8488% | 7,266 |
| Net loans and leases to deposits | 30.2931% | 7,306 |
| Net loans and leases to core deposits | 33.7484% | 7,260 |
| Total domestic deposits to total assets | 88.6299% | 1,765 |
| Equity capital to assets | 11.1422% | 2,824 |
| Core capital (leverage) ratio | 10.0839% | 3,159 |
| Tier 1 risk-based capital ratio | 22.8395% | 1,146 |
| Total risk-based capital ratio | 23.1932% | 1,236 |
| Memoranda: | ||
| Average total assets | $39,400,000 | 6,811 |
| Average earning assets | $33,035,000 | 6,903 |
| Average equity | $4,346,000 | 6,732 |
| Average total loans | $11,068,000 | 7,216 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4473% | 5,521 |
| Cost of funding earning assets | 1.0648% | 3,750 |
| Net interest margin | 3.3825% | 5,497 |
| Noninterest income to average assets | 0.2467% | 5,926 |
| Noninterest expense to average assets | 2.3644% | 6,006 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.6579% | 3,713 |
| Return on assets (ROA) | 0.6579% | 3,786 |
| Pretax return on assets | 0.6579% | 4,462 |
| Return on Equity (ROE) | 5.9960% | 3,902 |
| Retained earnings to average equity (ytd only) | 5.9960% | 2,635 |
| Net charge-offs to loans | -0.1076% | 7,108 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.2313% | 2,810 |
| Assets per employee ($millions) | 4.3076% | 3,229 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7473% | 7,008 |
| Loan loss allowance to noncurrent loans | 52.3490% | 4,871 |
| Noncurrent assets plus other real estate owned to assets | 0.3843% | 6,243 |
| Noncurrent loans to loans | 1.4276% | 4,328 |
| Net loans and leases to total assets | 26.7205% | 7,325 |
| Net loans and leases to deposits | 30.1519% | 7,352 |
| Net loans and leases to core deposits | 33.6200% | 7,312 |
| Total domestic deposits to total assets | 88.6195% | 2,006 |
| Equity capital to assets | 11.1303% | 2,553 |
| Core capital (leverage) ratio | 9.7752% | 3,416 |
| Tier 1 risk-based capital ratio | 23.8852% | 985 |
| Total risk-based capital ratio | 24.3616% | 1,054 |
| Memoranda: | ||
| Average total assets | $38,911,000 | 6,873 |
| Average earning assets | $31,929,500 | 6,990 |
| Average equity | $4,269,500 | 6,788 |
| Average total loans | $11,150,500 | 7,265 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2896% | 3,178 |
| Cost of funding earning assets | 1.2731% | 4,064 |
| Net interest margin | 4.0165% | 2,949 |
| Noninterest income to average assets | 0.2645% | 5,896 |
| Noninterest expense to average assets | 2.8163% | 4,537 |
| Loan and lease loss provision to assets | 0.0545% | 6,600 |
| Net operating income to assets | 0.6707% | 3,343 |
| Return on assets (ROA) | 1.0578% | 1,940 |
| Pretax return on assets | 1.0578% | 2,744 |
| Return on Equity (ROE) | 9.1161% | 2,249 |
| Retained earnings to average equity (ytd only) | 7.0016% | 1,324 |
| Net charge-offs to loans | 0.3697% | 4,185 |
| Credit loss provision to net charge-offs | 46.5116% | 6,310 |
| Earnings coverage of net charge-offs (x) | 6.1860% | 2,416 |
| Efficiency ratio | 79.5227% | 2,475 |
| Assets per employee ($millions) | 4.3393% | 3,132 |
| Cash dividends to net income (ytd only)* | 23.1959% | 3,334 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6322% | 7,225 |
| Loan loss allowance to noncurrent loans | 69.4444% | 3,941 |
| Noncurrent assets plus other real estate owned to assets | 0.2765% | 6,561 |
| Noncurrent loans to loans | 0.9103% | 5,234 |
| Net loans and leases to total assets | 30.1864% | 7,346 |
| Net loans and leases to deposits | 33.9447% | 7,394 |
| Net loans and leases to core deposits | 37.8204% | 7,356 |
| Total domestic deposits to total assets | 88.9282% | 1,700 |
| Equity capital to assets | 10.8158% | 2,841 |
| Core capital (leverage) ratio | 10.0623% | 3,016 |
| Tier 1 risk-based capital ratio | 21.7337% | 1,212 |
| Total risk-based capital ratio | 22.1575% | 1,306 |
| Memoranda: | ||
| Average total assets | $36,679,400 | 6,984 |
| Average earning assets | $29,926,800 | 7,091 |
| Average equity | $4,256,200 | 6,901 |
| Average total loans | $11,631,000 | 7,325 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4060% | 2,849 |
| Cost of funding earning assets | 1.3187% | 4,120 |
| Net interest margin | 4.0874% | 2,684 |
| Noninterest income to average assets | 0.2771% | 5,889 |
| Noninterest expense to average assets | 2.7490% | 4,689 |
| Loan and lease loss provision to assets | 0.0739% | 6,317 |
| Net operating income to assets | 0.7870% | 3,059 |
| Return on assets (ROA) | 1.3117% | 1,386 |
| Pretax return on assets | 1.3117% | 2,133 |
| Return on Equity (ROE) | 11.0997% | 1,758 |
| Retained earnings to average equity (ytd only) | 11.0997% | 593 |
| Net charge-offs to loans | 0.3571% | 3,874 |
| Credit loss provision to net charge-offs | 64.5161% | 5,577 |
| Earnings coverage of net charge-offs (x) | 7.5166% | 2,316 |
| Efficiency ratio | 76.1515% | 2,921 |
| Assets per employee ($millions) | 3.9916% | 3,854 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7303% | 7,147 |
| Loan loss allowance to noncurrent loans | 197.7273% | 1,464 |
| Noncurrent assets plus other real estate owned to assets | 0.1225% | 7,054 |
| Noncurrent loans to loans | 0.3693% | 6,454 |
| Net loans and leases to total assets | 32.9195% | 7,378 |
| Net loans and leases to deposits | 37.7105% | 7,429 |
| Net loans and leases to core deposits | 40.8413% | 7,402 |
| Total domestic deposits to total assets | 87.2954% | 2,376 |
| Equity capital to assets | 12.4040% | 1,909 |
| Core capital (leverage) ratio | 10.9111% | 2,326 |
| Tier 1 risk-based capital ratio | 22.9278% | 1,081 |
| Total risk-based capital ratio | 23.4389% | 1,149 |
| Memoranda: | ||
| Average total assets | $36,085,750 | 7,092 |
| Average earning assets | $29,423,250 | 7,190 |
| Average equity | $4,264,250 | 6,989 |
| Average total loans | $11,572,750 | 7,425 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3571% | 3,180 |
| Cost of funding earning assets | 1.3258% | 4,373 |
| Net interest margin | 4.0314% | 2,870 |
| Noninterest income to average assets | 0.2546% | 6,089 |
| Noninterest expense to average assets | 2.7228% | 4,823 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.8301% | 2,823 |
| Return on assets (ROA) | 1.6160% | 755 |
| Pretax return on assets | 1.6160% | 1,260 |
| Return on Equity (ROE) | 13.9037% | 1,062 |
| Retained earnings to average equity (ytd only) | 13.9037% | 313 |
| Net charge-offs to loans | 0.4887% | 3,077 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 5.3571% | 2,688 |
| Efficiency ratio | 76.6355% | 2,963 |
| Assets per employee ($millions) | 4.0233% | 3,730 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6095% | 7,398 |
| Loan loss allowance to noncurrent loans | 148.9362% | 1,876 |
| Noncurrent assets plus other real estate owned to assets | 0.1298% | 7,063 |
| Noncurrent loans to loans | 0.4093% | 6,429 |
| Net loans and leases to total assets | 31.5217% | 7,493 |
| Net loans and leases to deposits | 35.9032% | 7,533 |
| Net loans and leases to core deposits | 39.3207% | 7,500 |
| Total domestic deposits to total assets | 87.7962% | 2,109 |
| Equity capital to assets | 11.9304% | 2,139 |
| Core capital (leverage) ratio | 10.6456% | 2,502 |
| Tier 1 risk-based capital ratio | 22.9345% | 1,077 |
| Total risk-based capital ratio | 23.3526% | 1,162 |
| Memoranda: | ||
| Average total assets | $36,139,670 | 7,140 |
| Average earning assets | $29,568,000 | 7,242 |
| Average equity | $4,200,330 | 7,045 |
| Average total loans | $11,459,330 | 7,480 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4004% | 3,032 |
| Cost of funding earning assets | 1.3267% | 4,642 |
| Net interest margin | 4.0738% | 2,553 |
| Noninterest income to average assets | 0.2327% | 6,294 |
| Noninterest expense to average assets | 2.7365% | 4,740 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.8642% | 2,697 |
| Return on assets (ROA) | 2.4374% | 183 |
| Pretax return on assets | 2.4374% | 276 |
| Return on Equity (ROE) | 21.2535% | 314 |
| Retained earnings to average equity (ytd only) | 21.2535% | 169 |
| Net charge-offs to loans | 0.2795% | 3,292 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 9.7500% | 1,813 |
| Efficiency ratio | 76.0000% | 3,215 |
| Assets per employee ($millions) | 4.0984% | 3,645 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8086% | 7,106 |
| Loan loss allowance to noncurrent loans | 356.0000% | 877 |
| Noncurrent assets plus other real estate owned to assets | 0.0678% | 7,315 |
| Noncurrent loans to loans | 0.2271% | 6,881 |
| Net loans and leases to total assets | 29.5966% | 7,634 |
| Net loans and leases to deposits | 33.4754% | 7,673 |
| Net loans and leases to core deposits | 38.3053% | 7,618 |
| Total domestic deposits to total assets | 88.4129% | 1,845 |
| Equity capital to assets | 11.3241% | 2,485 |
| Core capital (leverage) ratio | 10.1572% | 2,974 |
| Tier 1 risk-based capital ratio | 23.0708% | 1,062 |
| Total risk-based capital ratio | 23.6159% | 1,131 |
| Memoranda: | ||
| Average total assets | $36,104,500 | 7,230 |
| Average earning assets | $29,849,500 | 7,329 |
| Average equity | $4,140,500 | 7,128 |
| Average total loans | $11,447,000 | 7,571 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8128% | 2,600 |
| Cost of funding earning assets | 1.3816% | 6,011 |
| Net interest margin | 4.4312% | 1,341 |
| Noninterest income to average assets | 0.3362% | 5,687 |
| Noninterest expense to average assets | 2.9288% | 4,429 |
| Loan and lease loss provision to assets | 0.1180% | 6,463 |
| Net operating income to assets | 1.2152% | 1,209 |
| Return on assets (ROA) | 1.4039% | 905 |
| Pretax return on assets | 1.4039% | 1,430 |
| Return on Equity (ROE) | 12.1951% | 1,112 |
| Retained earnings to average equity (ytd only) | 9.6331% | 413 |
| Net charge-offs to loans | 0.0265% | 6,876 |
| Credit loss provision to net charge-offs | 1,333.3333% | 226 |
| Earnings coverage of net charge-offs (x) | 150.6667% | 193 |
| Efficiency ratio | 68.7197% | 4,879 |
| Assets per employee ($millions) | 3.9248% | 3,967 |
| Cash dividends to net income (ytd only)* | 21.0084% | 3,630 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8244% | 7,061 |
| Loan loss allowance to noncurrent loans | 130.6667% | 2,180 |
| Noncurrent assets plus other real estate owned to assets | 0.3199% | 6,638 |
| Noncurrent loans to loans | 0.6309% | 5,975 |
| Net loans and leases to total assets | 33.3777% | 7,616 |
| Net loans and leases to deposits | 37.8722% | 7,684 |
| Net loans and leases to core deposits | 54.6036% | 7,453 |
| Total domestic deposits to total assets | 88.1324% | 1,908 |
| Equity capital to assets | 11.6185% | 2,235 |
| Core capital (leverage) ratio | 9.9840% | 3,108 |
| Tier 1 risk-based capital ratio | 21.3059% | 1,247 |
| Total risk-based capital ratio | 21.8945% | 1,321 |
| Memoranda: | ||
| Average total assets | $33,905,000 | 7,327 |
| Average earning assets | $30,037,200 | 7,353 |
| Average equity | $3,903,200 | 7,326 |
| Average total loans | $11,324,600 | 7,642 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8436% | 2,690 |
| Cost of funding earning assets | 1.4007% | 6,227 |
| Net interest margin | 4.4429% | 1,334 |
| Noninterest income to average assets | 0.3656% | 5,579 |
| Noninterest expense to average assets | 2.7302% | 5,194 |
| Loan and lease loss provision to assets | 0.1590% | 5,761 |
| Net operating income to assets | 1.4346% | 959 |
| Return on assets (ROA) | 1.6889% | 606 |
| Pretax return on assets | 1.6889% | 994 |
| Return on Equity (ROE) | 14.7067% | 810 |
| Retained earnings to average equity (ytd only) | 14.7067% | 167 |
| Net charge-offs to loans | 0.1073% | 5,594 |
| Credit loss provision to net charge-offs | 444.4444% | 891 |
| Earnings coverage of net charge-offs (x) | 44.5542% | 696 |
| Efficiency ratio | 63.1434% | 5,899 |
| Assets per employee ($millions) | 3.7719% | 4,254 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7822% | 7,174 |
| Loan loss allowance to noncurrent loans | 105.6818% | 2,640 |
| Noncurrent assets plus other real estate owned to assets | 0.3712% | 6,550 |
| Noncurrent loans to loans | 0.7402% | 5,833 |
| Net loans and leases to total assets | 34.7483% | 7,664 |
| Net loans and leases to deposits | 39.7748% | 7,738 |
| Net loans and leases to core deposits | 57.0986% | 7,504 |
| Total domestic deposits to total assets | 87.3627% | 1,975 |
| Equity capital to assets | 12.3369% | 2,043 |
| Core capital (leverage) ratio | 10.7026% | 2,635 |
| Tier 1 risk-based capital ratio | 21.9127% | 1,234 |
| Total risk-based capital ratio | 22.4796% | 1,322 |
| Memoranda: | ||
| Average total assets | $33,550,500 | 7,400 |
| Average earning assets | $29,889,500 | 7,419 |
| Average equity | $3,853,000 | 7,400 |
| Average total loans | $11,183,750 | 7,726 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8875% | 2,647 |
| Cost of funding earning assets | 1.4265% | 6,393 |
| Net interest margin | 4.4610% | 1,265 |
| Noninterest income to average assets | 0.3950% | 5,334 |
| Noninterest expense to average assets | 2.6632% | 5,501 |
| Loan and lease loss provision to assets | 0.2394% | 4,673 |
| Net operating income to assets | 1.4603% | 919 |
| Return on assets (ROA) | 1.8433% | 455 |
| Pretax return on assets | 1.8433% | 782 |
| Return on Equity (ROE) | 16.4647% | 649 |
| Retained earnings to average equity (ytd only) | 16.4647% | 148 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0425% | 6,392 |
| Assets per employee ($millions) | 3.6384% | 4,475 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9057% | 6,742 |
| Loan loss allowance to noncurrent loans | 71.6312% | 3,858 |
| Noncurrent assets plus other real estate owned to assets | 0.4306% | 6,379 |
| Noncurrent loans to loans | 1.2643% | 4,672 |
| Net loans and leases to total assets | 33.7476% | 7,785 |
| Net loans and leases to deposits | 38.2308% | 7,857 |
| Net loans and leases to core deposits | 53.8679% | 7,658 |
| Total domestic deposits to total assets | 88.2734% | 1,639 |
| Equity capital to assets | 11.4304% | 2,581 |
| Core capital (leverage) ratio | 10.4045% | 2,899 |
| Tier 1 risk-based capital ratio | 22.4112% | 1,199 |
| Total risk-based capital ratio | 23.0621% | 1,252 |
| Memoranda: | ||
| Average total assets | $33,418,330 | 7,471 |
| Average earning assets | $29,724,000 | 7,493 |
| Average equity | $3,741,330 | 7,497 |
| Average total loans | $10,948,670 | 7,818 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9534% | 2,548 |
| Cost of funding earning assets | 1.4750% | 6,487 |
| Net interest margin | 4.4785% | 1,180 |
| Noninterest income to average assets | 0.5096% | 4,237 |
| Noninterest expense to average assets | 2.5834% | 5,524 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.8842% | 450 |
| Return on assets (ROA) | 2.6426% | 126 |
| Pretax return on assets | 2.6426% | 198 |
| Return on Equity (ROE) | 23.8471% | 221 |
| Retained earnings to average equity (ytd only) | 23.8471% | 97 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.8249% | 6,731 |
| Assets per employee ($millions) | 3.7628% | 4,198 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5868% | 7,681 |
| Loan loss allowance to noncurrent loans | 58.6538% | 4,680 |
| Noncurrent assets plus other real estate owned to assets | 0.3071% | 6,603 |
| Noncurrent loans to loans | 1.0005% | 4,995 |
| Net loans and leases to total assets | 30.5153% | 7,907 |
| Net loans and leases to deposits | 34.4765% | 7,978 |
| Net loans and leases to core deposits | 47.7520% | 7,837 |
| Total domestic deposits to total assets | 88.5103% | 1,481 |
| Equity capital to assets | 11.1915% | 2,820 |
| Core capital (leverage) ratio | 9.8414% | 3,588 |
| Tier 1 risk-based capital ratio | 22.5830% | 1,232 |
| Total risk-based capital ratio | 22.9889% | 1,302 |
| Memoranda: | ||
| Average total assets | $33,754,500 | 7,501 |
| Average earning assets | $29,831,500 | 7,529 |
| Average equity | $3,740,500 | 7,543 |
| Average total loans | $10,847,000 | 7,870 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1441% | 4,806 |
| Cost of funding earning assets | 2.0437% | 6,267 |
| Net interest margin | 4.1004% | 2,712 |
| Noninterest income to average assets | 0.3473% | 5,960 |
| Noninterest expense to average assets | 2.9169% | 4,390 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.1155% | 2,085 |
| Return on assets (ROA) | 1.1155% | 2,001 |
| Pretax return on assets | 1.1450% | 2,855 |
| Return on Equity (ROE) | 11.8423% | 1,643 |
| Retained earnings to average equity (ytd only) | 9.6550% | 503 |
| Net charge-offs to loans | 0.0540% | 6,015 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 64.8333% | 626 |
| Efficiency ratio | 71.8116% | 3,971 |
| Assets per employee ($millions) | 3.7382% | 4,086 |
| Cash dividends to net income (ytd only)* | 18.4697% | 4,492 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5310% | 7,801 |
| Loan loss allowance to noncurrent loans | 103.4483% | 3,361 |
| Noncurrent assets plus other real estate owned to assets | 0.1724% | 6,875 |
| Noncurrent loans to loans | 0.5133% | 5,814 |
| Net loans and leases to total assets | 33.4057% | 7,908 |
| Net loans and leases to deposits | 37.6832% | 7,983 |
| Net loans and leases to core deposits | 51.4653% | 7,855 |
| Total domestic deposits to total assets | 88.6488% | 1,184 |
| Equity capital to assets | 10.9708% | 3,068 |
| Core capital (leverage) ratio | 9.5265% | 3,979 |
| Tier 1 risk-based capital ratio | 19.8311% | 1,646 |
| Total risk-based capital ratio | 20.2064% | 1,777 |
| Memoranda: | ||
| Average total assets | $33,975,000 | 7,462 |
| Average earning assets | $30,777,400 | 7,471 |
| Average equity | $3,200,400 | 7,773 |
| Average total loans | $11,104,600 | 7,886 |