Home > State Bank of Chandler > Performance and Condition Ratios
State Bank of Chandler, Performance and Condition Ratios
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8784% | 1,467 |
| Cost of funding earning assets | 2.2727% | 1,582 |
| Net interest margin | 3.6057% | 1,861 |
| Noninterest income to average assets | 0.3400% | 2,807 |
| Noninterest expense to average assets | 2.1360% | 3,291 |
| Loan and lease loss provision to assets | 0.0600% | 2,000 |
| Net operating income to assets | 1.0864% | 1,801 |
| Return on assets (ROA) | 1.0864% | 1,795 |
| Pretax return on assets | 1.5071% | 1,260 |
| Return on Equity (ROE) | 10.5100% | 2,025 |
| Retained earnings to average equity (ytd only) | 5.2988% | 2,105 |
| Net charge-offs to loans | -0.1873% | 4,480 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 57.6494% | 3,397 |
| Assets per employee ($millions) | 7.7460% | 1,674 |
| Cash dividends to net income (ytd only)* | 49.5924% | 1,656 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6234% | 764 |
| 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 | 67.8900% | 2,155 |
| Net loans and leases to deposits | 78.5211% | 2,252 |
| Net loans and leases to core deposits | 84.5623% | 2,471 |
| Total domestic deposits to total assets | 86.4600% | 2,057 |
| Equity capital to assets | 10.6220% | 1,767 |
| Core capital (leverage) ratio | 11.9265% | 1,466 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3296% | 995 |
| Memoranda: | ||
| Average total assets | $67,744,800 | 4,066 |
| Average earning assets | $63,317,000 | 4,034 |
| Average equity | $7,001,600 | 4,049 |
| Average total loans | $45,923,200 | 3,876 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8509% | 1,459 |
| Cost of funding earning assets | 2.2965% | 1,541 |
| Net interest margin | 3.5544% | 1,910 |
| Noninterest income to average assets | 0.3200% | 2,913 |
| Noninterest expense to average assets | 2.1193% | 3,286 |
| Loan and lease loss provision to assets | 0.0700% | 1,666 |
| Net operating income to assets | 1.0488% | 1,911 |
| Return on assets (ROA) | 1.0488% | 1,919 |
| Pretax return on assets | 1.4750% | 1,352 |
| Return on Equity (ROE) | 10.2200% | 2,127 |
| Retained earnings to average equity (ytd only) | 3.1687% | 3,120 |
| Net charge-offs to loans | -0.1440% | 4,476 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 57.7838% | 3,377 |
| Assets per employee ($millions) | 7.4380% | 1,844 |
| Cash dividends to net income (ytd only)* | 68.9981% | 724 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6520% | 736 |
| 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 | 65.7200% | 2,349 |
| Net loans and leases to deposits | 78.5102% | 2,314 |
| Net loans and leases to core deposits | 83.7343% | 2,591 |
| Total domestic deposits to total assets | 83.7100% | 2,661 |
| Equity capital to assets | 10.8303% | 1,818 |
| Core capital (leverage) ratio | 11.7868% | 1,585 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0298% | 919 |
| Memoranda: | ||
| Average total assets | $67,252,500 | 4,088 |
| Average earning assets | $63,282,000 | 4,058 |
| Average equity | $6,900,750 | 4,079 |
| Average total loans | $45,377,000 | 3,899 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8492% | 1,380 |
| Cost of funding earning assets | 2.2242% | 1,595 |
| Net interest margin | 3.6250% | 1,743 |
| Noninterest income to average assets | 0.3200% | 2,866 |
| Noninterest expense to average assets | 2.0963% | 3,329 |
| Loan and lease loss provision to assets | 0.0900% | 1,288 |
| Net operating income to assets | 1.1075% | 1,702 |
| Return on assets (ROA) | 1.1075% | 1,701 |
| Pretax return on assets | 1.5500% | 1,189 |
| Return on Equity (ROE) | 11.0000% | 1,885 |
| Retained earnings to average equity (ytd only) | 0.2358% | 3,777 |
| Net charge-offs to loans | -0.2062% | 4,511 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 56.1208% | 3,564 |
| Assets per employee ($millions) | 7.1700% | 1,963 |
| Cash dividends to net income (ytd only)* | 97.8552% | 401 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6098% | 837 |
| 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 | 69.1400% | 2,003 |
| Net loans and leases to deposits | 82.4427% | 1,986 |
| Net loans and leases to core deposits | 88.5383% | 2,238 |
| Total domestic deposits to total assets | 83.8700% | 2,648 |
| Equity capital to assets | 10.6276% | 1,737 |
| Core capital (leverage) ratio | 11.6368% | 1,638 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6865% | 973 |
| Memoranda: | ||
| Average total assets | $67,356,000 | 4,097 |
| Average earning assets | $63,393,000 | 4,070 |
| Average equity | $6,784,333 | 4,093 |
| Average total loans | $45,591,667 | 3,909 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8528% | 1,254 |
| Cost of funding earning assets | 2.2033% | 1,543 |
| Net interest margin | 3.6495% | 1,636 |
| Noninterest income to average assets | 0.3300% | 2,750 |
| Noninterest expense to average assets | 2.0649% | 3,413 |
| Loan and lease loss provision to assets | 0.1000% | 1,031 |
| Net operating income to assets | 1.1226% | 1,609 |
| Return on assets (ROA) | 1.1226% | 1,617 |
| Pretax return on assets | 1.5821% | 1,124 |
| Return on Equity (ROE) | 11.4400% | 1,729 |
| Retained earnings to average equity (ytd only) | -10.1964% | 4,312 |
| Net charge-offs to loans | -0.4813% | 4,570 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 55.0388% | 3,682 |
| Assets per employee ($millions) | 7.5170% | 1,756 |
| Cash dividends to net income (ytd only)* | 189.1192% | 198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6181% | 823 |
| Loan loss allowance to noncurrent loans | 907.5000% | 892 |
| Noncurrent assets plus other real estate owned to assets | 0.1183% | 2,845 |
| Noncurrent loans to loans | 0.1783% | 2,729 |
| Net loans and leases to total assets | 65.2500% | 2,338 |
| Net loans and leases to deposits | 75.1519% | 2,503 |
| Net loans and leases to core deposits | 82.9129% | 2,511 |
| Total domestic deposits to total assets | 86.8200% | 1,837 |
| Equity capital to assets | 9.8296% | 2,113 |
| Core capital (leverage) ratio | 10.8093% | 2,079 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4902% | 1,178 |
| Memoranda: | ||
| Average total assets | $68,769,000 | 4,115 |
| Average earning assets | $64,448,000 | 4,084 |
| Average equity | $6,747,500 | 4,117 |
| Average total loans | $45,713,500 | 3,926 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0186% | 35 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3,157.0000% | 40 |
| Cost of funding earning assets | 177.0000% | 20 |
| Net interest margin | 0.0000% | 4,558 |
| Noninterest income to average assets | 0.0000% | 4,534 |
| Noninterest expense to average assets | NA | NA |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.0000% | 4,329 |
| Return on assets (ROA) | 0.8586% | 2,653 |
| Pretax return on assets | 1.1937% | 2,155 |
| Return on Equity (ROE) | 9.0100% | 2,753 |
| Retained earnings to average equity (ytd only) | NA | NA |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 4.0000% | 2,349 |
| Earnings coverage of net charge-offs (x) | 12.7452% | 2,130 |
| Efficiency ratio | 4.6505% | 4,567 |
| Assets per employee ($millions) | 0.0357% | 4,570 |
| Cash dividends to net income (ytd only)* | 47.0000% | 1,775 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| 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 | 0.0000% | 4,475 |
| Net loans and leases to deposits | NA | NA |
| Net loans and leases to core deposits | 0.0000% | 4,493 |
| Total domestic deposits to total assets | 108.0000% | 18 |
| Equity capital to assets | 18,829.0000% | 30 |
| Core capital (leverage) ratio | NA | NA |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $1,147,000 | 4,602 |
| Average earning assets | $6,646 | 4,564 |
| Average equity | $0 | 4,538 |
| Average total loans | $0 | 4,477 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0485% | 1,735 |
| Cost of funding earning assets | 1.3864% | 1,904 |
| Net interest margin | 3.6621% | 1,859 |
| Noninterest income to average assets | 0.3100% | 3,041 |
| Noninterest expense to average assets | 2.1330% | 3,259 |
| Loan and lease loss provision to assets | 0.3200% | 280 |
| Net operating income to assets | 0.8540% | 2,850 |
| Return on assets (ROA) | 0.8540% | 2,831 |
| Pretax return on assets | 1.2870% | 2,081 |
| Return on Equity (ROE) | 9.0300% | 2,919 |
| Retained earnings to average equity (ytd only) | 4.3267% | 3,176 |
| Net charge-offs to loans | 0.2379% | 374 |
| Credit loss provision to net charge-offs | 201.2658% | 1,117 |
| Earnings coverage of net charge-offs (x) | 10.1772% | 2,138 |
| Efficiency ratio | 57.0742% | 3,306 |
| Assets per employee ($millions) | 6.7430% | 2,142 |
| Cash dividends to net income (ytd only)* | 52.1028% | 1,174 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4661% | 1,207 |
| Loan loss allowance to noncurrent loans | 502.9197% | 1,453 |
| Noncurrent assets plus other real estate owned to assets | 0.2032% | 2,251 |
| Noncurrent loans to loans | 0.2915% | 2,190 |
| Net loans and leases to total assets | 68.6700% | 1,980 |
| Net loans and leases to deposits | 86.3980% | 1,523 |
| Net loans and leases to core deposits | 91.7676% | 1,812 |
| Total domestic deposits to total assets | 79.4800% | 3,609 |
| Equity capital to assets | 9.4943% | 2,097 |
| Core capital (leverage) ratio | 11.1988% | 1,855 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5524% | 1,188 |
| Memoranda: | ||
| Average total assets | $66,822,000 | 4,162 |
| Average earning assets | $62,512,000 | 4,130 |
| Average equity | $6,317,250 | 4,139 |
| Average total loans | $44,271,000 | 3,938 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8836% | 1,801 |
| Cost of funding earning assets | 1.1035% | 2,271 |
| Net interest margin | 3.7801% | 1,662 |
| Noninterest income to average assets | 0.3200% | 2,963 |
| Noninterest expense to average assets | 2.1465% | 3,225 |
| Loan and lease loss provision to assets | 0.3200% | 285 |
| Net operating income to assets | 0.9517% | 2,580 |
| Return on assets (ROA) | 0.9517% | 2,569 |
| Pretax return on assets | 1.3750% | 1,875 |
| Return on Equity (ROE) | 10.0800% | 2,676 |
| Retained earnings to average equity (ytd only) | 2.9893% | 3,483 |
| Net charge-offs to loans | 0.3644% | 228 |
| Credit loss provision to net charge-offs | 135.4430% | 1,258 |
| Earnings coverage of net charge-offs (x) | 7.1519% | 2,097 |
| Efficiency ratio | 55.8594% | 3,441 |
| Assets per employee ($millions) | 6.6225% | 2,192 |
| Cash dividends to net income (ytd only)* | 70.3470% | 743 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4501% | 1,353 |
| Loan loss allowance to noncurrent loans | 451.7730% | 1,665 |
| Noncurrent assets plus other real estate owned to assets | 0.2129% | 2,130 |
| Noncurrent loans to loans | 0.3210% | 1,990 |
| Net loans and leases to total assets | 65.3700% | 2,223 |
| Net loans and leases to deposits | 79.3054% | 2,026 |
| Net loans and leases to core deposits | 83.3035% | 2,252 |
| Total domestic deposits to total assets | 82.4300% | 3,149 |
| Equity capital to assets | 9.5825% | 2,103 |
| Core capital (leverage) ratio | 11.2933% | 1,740 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3033% | 1,065 |
| Memoranda: | ||
| Average total assets | $66,619,333 | 4,185 |
| Average earning assets | $62,167,000 | 4,157 |
| Average equity | $6,289,000 | 4,161 |
| Average total loans | $43,363,333 | 3,967 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8727% | 1,461 |
| Cost of funding earning assets | 0.8508% | 2,535 |
| Net interest margin | 4.0219% | 1,225 |
| Noninterest income to average assets | 0.3400% | 2,789 |
| Noninterest expense to average assets | 2.1013% | 3,378 |
| Loan and lease loss provision to assets | 0.0500% | 1,764 |
| Net operating income to assets | 1.3829% | 1,454 |
| Return on assets (ROA) | 1.3829% | 1,425 |
| Pretax return on assets | 1.9217% | 883 |
| Return on Equity (ROE) | 14.7600% | 1,607 |
| Retained earnings to average equity (ytd only) | 0.5111% | 3,947 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 51.5419% | 3,815 |
| Assets per employee ($millions) | 6.5046% | 2,341 |
| Cash dividends to net income (ytd only)* | 96.5368% | 470 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4305% | 1,500 |
| Loan loss allowance to noncurrent loans | 15,450.0000% | 120 |
| Noncurrent assets plus other real estate owned to assets | 0.0061% | 3,825 |
| Noncurrent loans to loans | 0.0093% | 3,763 |
| Net loans and leases to total assets | 65.4700% | 2,112 |
| Net loans and leases to deposits | 73.3650% | 2,352 |
| Net loans and leases to core deposits | 75.8087% | 2,547 |
| Total domestic deposits to total assets | 89.2400% | 1,448 |
| Equity capital to assets | 9.7331% | 1,976 |
| Core capital (leverage) ratio | 10.6846% | 2,083 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4575% | 1,076 |
| Memoranda: | ||
| Average total assets | $66,816,500 | 4,234 |
| Average earning assets | $62,060,000 | 4,217 |
| Average equity | $6,260,500 | 4,218 |
| Average total loans | $43,080,500 | 4,016 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8837% | 2,024 |
| Cost of funding earning assets | 0.3055% | 2,831 |
| Net interest margin | 3.5781% | 1,707 |
| Noninterest income to average assets | 0.2800% | 3,464 |
| Noninterest expense to average assets | 2.0899% | 3,326 |
| Loan and lease loss provision to assets | 0.0600% | 1,752 |
| Net operating income to assets | 1.1042% | 2,156 |
| Return on assets (ROA) | 1.1042% | 2,089 |
| Pretax return on assets | 1.5047% | 1,444 |
| Return on Equity (ROE) | 11.6600% | 2,256 |
| Retained earnings to average equity (ytd only) | 7.8544% | 1,896 |
| Net charge-offs to loans | 0.0126% | 1,912 |
| Credit loss provision to net charge-offs | 720.0000% | 536 |
| Earnings coverage of net charge-offs (x) | 202.6000% | 642 |
| Efficiency ratio | 57.2574% | 3,433 |
| Assets per employee ($millions) | 6.8587% | 2,074 |
| Cash dividends to net income (ytd only)* | 32.6360% | 2,299 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4176% | 1,441 |
| Loan loss allowance to noncurrent loans | 12,180.0000% | 143 |
| Noncurrent assets plus other real estate owned to assets | 0.0073% | 3,833 |
| Noncurrent loans to loans | 0.0116% | 3,754 |
| Net loans and leases to total assets | 61.7500% | 2,467 |
| Net loans and leases to deposits | 70.9463% | 2,491 |
| Net loans and leases to core deposits | 73.4911% | 2,608 |
| Total domestic deposits to total assets | 87.0300% | 2,384 |
| Equity capital to assets | 9.0250% | 2,339 |
| Core capital (leverage) ratio | 11.2090% | 1,678 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3590% | 1,074 |
| Memoranda: | ||
| Average total assets | $64,931,800 | 4,284 |
| Average earning assets | $61,205,000 | 4,247 |
| Average equity | $6,149,400 | 4,312 |
| Average total loans | $39,552,200 | 4,072 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7238% | 1,966 |
| Cost of funding earning assets | 0.2383% | 2,840 |
| Net interest margin | 3.4854% | 1,705 |
| Noninterest income to average assets | 0.2700% | 3,561 |
| Noninterest expense to average assets | 2.0556% | 3,335 |
| Loan and lease loss provision to assets | 0.0600% | 1,588 |
| Net operating income to assets | 1.0684% | 2,217 |
| Return on assets (ROA) | 1.0684% | 2,174 |
| Pretax return on assets | 1.4766% | 1,482 |
| Return on Equity (ROE) | 11.1400% | 2,324 |
| Retained earnings to average equity (ytd only) | 6.0592% | 2,734 |
| Net charge-offs to loans | 0.0172% | 1,500 |
| Credit loss provision to net charge-offs | 540.0000% | 587 |
| Earnings coverage of net charge-offs (x) | 147.2000% | 757 |
| Efficiency ratio | 57.2838% | 3,475 |
| Assets per employee ($millions) | 7.1387% | 1,847 |
| Cash dividends to net income (ytd only)* | 45.6140% | 1,356 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4324% | 1,502 |
| Loan loss allowance to noncurrent loans | 10,000.0000% | 148 |
| Noncurrent assets plus other real estate owned to assets | 0.0093% | 3,897 |
| Noncurrent loans to loans | 0.0143% | 3,830 |
| Net loans and leases to total assets | 64.2600% | 2,063 |
| Net loans and leases to deposits | 72.0679% | 2,197 |
| Net loans and leases to core deposits | 73.4526% | 2,389 |
| Total domestic deposits to total assets | 89.1700% | 2,020 |
| Equity capital to assets | 9.0898% | 2,144 |
| Core capital (leverage) ratio | 10.8045% | 1,882 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6774% | 1,051 |
| Memoranda: | ||
| Average total assets | $64,018,000 | 4,327 |
| Average earning assets | $60,976,000 | 4,277 |
| Average equity | $6,139,250 | 4,358 |
| Average total loans | $38,700,500 | 4,110 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4728% | 2,215 |
| Cost of funding earning assets | 0.1869% | 3,088 |
| Net interest margin | 3.2859% | 1,945 |
| Noninterest income to average assets | 0.2815% | 3,479 |
| Noninterest expense to average assets | 1.9111% | 3,676 |
| Loan and lease loss provision to assets | 0.0563% | 1,574 |
| Net operating income to assets | 0.9196% | 2,491 |
| Return on assets (ROA) | 0.9196% | 2,461 |
| Pretax return on assets | 1.4482% | 1,313 |
| Return on Equity (ROE) | 9.4246% | 2,555 |
| Retained earnings to average equity (ytd only) | 1.9234% | 3,772 |
| Net charge-offs to loans | 0.0266% | 1,184 |
| Credit loss provision to net charge-offs | 360.0000% | 732 |
| Earnings coverage of net charge-offs (x) | 96.2000% | 838 |
| Efficiency ratio | 55.9524% | 3,780 |
| Assets per employee ($millions) | 7.1490% | 1,845 |
| Cash dividends to net income (ytd only)* | 79.5918% | 608 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5183% | 1,358 |
| Loan loss allowance to noncurrent loans | 8,442.8571% | 160 |
| Noncurrent assets plus other real estate owned to assets | 0.0668% | 3,306 |
| Noncurrent loans to loans | 0.0180% | 3,831 |
| Net loans and leases to total assets | 59.5779% | 2,368 |
| Net loans and leases to deposits | 66.3281% | 2,517 |
| Net loans and leases to core deposits | 67.5912% | 2,690 |
| Total domestic deposits to total assets | 89.8230% | 1,786 |
| Equity capital to assets | 9.2958% | 2,161 |
| Core capital (leverage) ratio | 10.5330% | 1,917 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7827% | 1,026 |
| Memoranda: | ||
| Average total assets | $63,941,333 | 4,368 |
| Average earning assets | $60,987,667 | 4,339 |
| Average equity | $6,239,000 | 4,394 |
| Average total loans | $37,638,333 | 4,185 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3170% | 2,331 |
| Cost of funding earning assets | 0.1843% | 3,028 |
| Net interest margin | 3.1327% | 2,073 |
| Noninterest income to average assets | 0.3075% | 3,266 |
| Noninterest expense to average assets | 1.9391% | 3,577 |
| Loan and lease loss provision to assets | 0.0565% | 1,375 |
| Net operating income to assets | 0.9413% | 2,106 |
| Return on assets (ROA) | 0.9413% | 2,098 |
| Pretax return on assets | 1.2990% | 1,509 |
| Return on Equity (ROE) | 9.4221% | 2,177 |
| Retained earnings to average equity (ytd only) | -5.2764% | 4,428 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.8571% | 3,598 |
| Assets per employee ($millions) | 7.3562% | 1,766 |
| Cash dividends to net income (ytd only)* | 156.0000% | 299 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5773% | 1,331 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0604% | 3,455 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 55.3258% | 2,599 |
| Net loans and leases to deposits | 61.4447% | 2,765 |
| Net loans and leases to core deposits | 61.7045% | 3,000 |
| Total domestic deposits to total assets | 90.0417% | 1,539 |
| Equity capital to assets | 9.1487% | 2,576 |
| Core capital (leverage) ratio | 10.2371% | 2,069 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5709% | 1,128 |
| Memoranda: | ||
| Average total assets | $63,741,500 | 4,392 |
| Average earning assets | $60,778,000 | 4,362 |
| Average equity | $6,368,000 | 4,424 |
| Average total loans | $36,995,500 | 4,206 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3303% | 809 |
| Cost of funding earning assets | 0.2807% | 2,597 |
| Net interest margin | 4.0496% | 641 |
| Noninterest income to average assets | 0.3031% | 3,593 |
| Noninterest expense to average assets | 2.2989% | 2,799 |
| Loan and lease loss provision to assets | 0.0631% | 1,809 |
| Net operating income to assets | 1.3001% | 1,597 |
| Return on assets (ROA) | 1.3001% | 1,644 |
| Pretax return on assets | 1.7837% | 947 |
| Return on Equity (ROE) | 11.5829% | 1,956 |
| Retained earnings to average equity (ytd only) | 8.0862% | 1,506 |
| Net charge-offs to loans | 0.1339% | 692 |
| Credit loss provision to net charge-offs | 72.0000% | 2,001 |
| Earnings coverage of net charge-offs (x) | 21.0800% | 1,831 |
| Efficiency ratio | 55.4522% | 3,762 |
| Assets per employee ($millions) | 6.8086% | 2,062 |
| Cash dividends to net income (ytd only)* | 30.1887% | 2,548 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5717% | 1,327 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0653% | 3,517 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 59.0711% | 2,263 |
| Net loans and leases to deposits | 66.9806% | 2,409 |
| Net loans and leases to core deposits | 67.2932% | 2,714 |
| Total domestic deposits to total assets | 88.1913% | 1,935 |
| Equity capital to assets | 10.8997% | 1,853 |
| Core capital (leverage) ratio | 11.2316% | 1,427 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.4632% | 973 |
| Memoranda: | ||
| Average total assets | $57,071,400 | 4,488 |
| Average earning assets | $54,153,600 | 4,464 |
| Average equity | $6,406,000 | 4,490 |
| Average total loans | $37,353,400 | 4,241 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5026% | 675 |
| Cost of funding earning assets | 0.3102% | 2,496 |
| Net interest margin | 4.1924% | 552 |
| Noninterest income to average assets | 0.3070% | 3,591 |
| Noninterest expense to average assets | 2.2991% | 2,756 |
| Loan and lease loss provision to assets | 0.0643% | 1,714 |
| Net operating income to assets | 1.4018% | 1,536 |
| Return on assets (ROA) | 1.4018% | 1,596 |
| Pretax return on assets | 1.9326% | 895 |
| Return on Equity (ROE) | 12.3910% | 1,905 |
| Retained earnings to average equity (ytd only) | 7.6787% | 2,154 |
| Net charge-offs to loans | 0.0036% | 2,219 |
| Credit loss provision to net charge-offs | 2,700.0000% | 256 |
| Earnings coverage of net charge-offs (x) | 839.0000% | 194 |
| Efficiency ratio | 53.5180% | 3,868 |
| Assets per employee ($millions) | 6.5231% | 2,224 |
| Cash dividends to net income (ytd only)* | 38.0306% | 1,706 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6712% | 1,169 |
| Loan loss allowance to noncurrent loans | 310.5528% | 1,940 |
| Noncurrent assets plus other real estate owned to assets | 0.3390% | 2,088 |
| Noncurrent loans to loans | 0.5381% | 1,970 |
| Net loans and leases to total assets | 61.9370% | 2,012 |
| Net loans and leases to deposits | 70.8521% | 2,158 |
| Net loans and leases to core deposits | 71.2003% | 2,497 |
| Total domestic deposits to total assets | 87.4174% | 2,149 |
| Equity capital to assets | 11.2421% | 1,861 |
| Core capital (leverage) ratio | 11.3745% | 1,428 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.4022% | 1,066 |
| Memoranda: | ||
| Average total assets | $56,020,000 | 4,559 |
| Average earning assets | $53,301,250 | 4,531 |
| Average equity | $6,337,750 | 4,561 |
| Average total loans | $37,498,000 | 4,297 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0846% | 1,379 |
| Cost of funding earning assets | 0.3300% | 2,487 |
| Net interest margin | 3.7546% | 1,212 |
| Noninterest income to average assets | 0.3048% | 3,609 |
| Noninterest expense to average assets | 2.3257% | 2,688 |
| Loan and lease loss provision to assets | 0.0653% | 1,737 |
| Net operating income to assets | 1.0993% | 2,552 |
| Return on assets (ROA) | 1.0993% | 2,618 |
| Pretax return on assets | 1.5057% | 1,996 |
| Return on Equity (ROE) | 9.6955% | 2,876 |
| Retained earnings to average equity (ytd only) | 2.5279% | 3,992 |
| Net charge-offs to loans | 0.0053% | 1,952 |
| Credit loss provision to net charge-offs | 1,800.0000% | 314 |
| Earnings coverage of net charge-offs (x) | 433.0000% | 298 |
| Efficiency ratio | 59.6834% | 3,056 |
| Assets per employee ($millions) | 6.3153% | 2,312 |
| Cash dividends to net income (ytd only)* | 73.9274% | 599 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5510% | 1,419 |
| Loan loss allowance to noncurrent loans | 1,522.5000% | 532 |
| Noncurrent assets plus other real estate owned to assets | 0.0704% | 3,741 |
| Noncurrent loans to loans | 0.1019% | 3,672 |
| Net loans and leases to total assets | 68.0126% | 1,443 |
| Net loans and leases to deposits | 77.9077% | 1,637 |
| Net loans and leases to core deposits | 77.9077% | 2,055 |
| Total domestic deposits to total assets | 87.2990% | 2,171 |
| Equity capital to assets | 11.1176% | 1,900 |
| Core capital (leverage) ratio | 11.0536% | 1,578 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6694% | 1,195 |
| Memoranda: | ||
| Average total assets | $55,124,000 | 4,593 |
| Average earning assets | $52,734,667 | 4,566 |
| Average equity | $6,250,333 | 4,600 |
| Average total loans | $37,670,667 | 4,324 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0585% | 1,492 |
| Cost of funding earning assets | 0.3711% | 2,345 |
| Net interest margin | 3.6874% | 1,361 |
| Noninterest income to average assets | 0.3464% | 3,362 |
| Noninterest expense to average assets | 2.3882% | 2,527 |
| Loan and lease loss provision to assets | 0.0663% | 1,818 |
| Net operating income to assets | 1.0319% | 2,708 |
| Return on assets (ROA) | 1.0319% | 2,787 |
| Pretax return on assets | 1.4079% | 2,260 |
| Return on Equity (ROE) | 9.0090% | 3,038 |
| Retained earnings to average equity (ytd only) | -5.4054% | 4,711 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8321% | 2,786 |
| Assets per employee ($millions) | 6.2460% | 2,373 |
| Cash dividends to net income (ytd only)* | 160.0000% | 190 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6398% | 1,194 |
| Loan loss allowance to noncurrent loans | 607.0707% | 1,008 |
| Noncurrent assets plus other real estate owned to assets | 0.1761% | 3,289 |
| Noncurrent loans to loans | 0.2701% | 3,143 |
| Net loans and leases to total assets | 64.1299% | 2,022 |
| Net loans and leases to deposits | 73.1950% | 2,195 |
| Net loans and leases to core deposits | 73.1950% | 2,594 |
| Total domestic deposits to total assets | 87.6152% | 2,039 |
| Equity capital to assets | 10.9421% | 1,904 |
| Core capital (leverage) ratio | 11.0652% | 1,666 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3943% | 1,198 |
| Memoranda: | ||
| Average total assets | $54,267,000 | 4,628 |
| Average earning assets | $51,743,500 | 4,593 |
| Average equity | $6,216,000 | 4,621 |
| Average total loans | $36,873,000 | 4,360 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5147% | 1,273 |
| Cost of funding earning assets | 0.6164% | 2,203 |
| Net interest margin | 3.8982% | 1,215 |
| Noninterest income to average assets | 0.2990% | 3,687 |
| Noninterest expense to average assets | 2.6396% | 2,422 |
| Loan and lease loss provision to assets | 0.0742% | 3,452 |
| Net operating income to assets | 0.9218% | 2,602 |
| Return on assets (ROA) | 0.9218% | 2,740 |
| Pretax return on assets | 1.2497% | 2,159 |
| Return on Equity (ROE) | 7.3288% | 3,062 |
| Retained earnings to average equity (ytd only) | 3.7546% | 2,949 |
| Net charge-offs to loans | -0.0114% | 4,287 |
| Credit loss provision to net charge-offs | -900.0000% | 4,035 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5973% | 2,431 |
| Assets per employee ($millions) | 5.8133% | 2,532 |
| Cash dividends to net income (ytd only)* | 48.7696% | 1,900 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5959% | 1,308 |
| Loan loss allowance to noncurrent loans | 1,480.0000% | 491 |
| Noncurrent assets plus other real estate owned to assets | 0.0765% | 3,951 |
| Noncurrent loans to loans | 0.1078% | 3,860 |
| Net loans and leases to total assets | 69.7687% | 1,592 |
| Net loans and leases to deposits | 80.3730% | 1,823 |
| Net loans and leases to core deposits | 80.3730% | 2,332 |
| Total domestic deposits to total assets | 86.8062% | 2,032 |
| Equity capital to assets | 12.0050% | 1,564 |
| Core capital (leverage) ratio | 12.0108% | 1,237 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2721% | 1,007 |
| Memoranda: | ||
| Average total assets | $48,491,800 | 4,675 |
| Average earning assets | $45,584,800 | 4,658 |
| Average equity | $6,099,200 | 4,636 |
| Average total loans | $35,108,000 | 4,403 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5964% | 1,317 |
| Cost of funding earning assets | 0.6750% | 2,170 |
| Net interest margin | 3.9214% | 1,299 |
| Noninterest income to average assets | 0.3057% | 3,660 |
| Noninterest expense to average assets | 2.5833% | 2,586 |
| Loan and lease loss provision to assets | 0.0757% | 3,376 |
| Net operating income to assets | 0.9817% | 2,403 |
| Return on assets (ROA) | 0.9817% | 2,540 |
| Pretax return on assets | 1.3295% | 1,936 |
| Return on Equity (ROE) | 7.7085% | 2,920 |
| Retained earnings to average equity (ytd only) | 2.8852% | 3,561 |
| Net charge-offs to loans | -0.0308% | 4,540 |
| Credit loss provision to net charge-offs | -337.5000% | 3,718 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7679% | 2,630 |
| Assets per employee ($millions) | 5.4308% | 2,770 |
| Cash dividends to net income (ytd only)* | 62.5714% | 1,039 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5767% | 1,167 |
| Loan loss allowance to noncurrent loans | 209.6429% | 2,123 |
| Noncurrent assets plus other real estate owned to assets | 0.5729% | 2,008 |
| Noncurrent loans to loans | 0.7521% | 1,923 |
| Net loans and leases to total assets | 74.9678% | 1,239 |
| Net loans and leases to deposits | 90.6711% | 1,204 |
| Net loans and leases to core deposits | 91.2378% | 1,863 |
| Total domestic deposits to total assets | 82.6810% | 3,230 |
| Equity capital to assets | 12.6665% | 1,345 |
| Core capital (leverage) ratio | 12.3735% | 1,169 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4686% | 1,141 |
| Memoranda: | ||
| Average total assets | $47,534,750 | 4,704 |
| Average earning assets | $44,642,500 | 4,687 |
| Average equity | $6,053,750 | 4,660 |
| Average total loans | $34,611,250 | 4,446 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0991% | 689 |
| Cost of funding earning assets | 0.7044% | 2,351 |
| Net interest margin | 4.3947% | 625 |
| Noninterest income to average assets | 0.3101% | 3,606 |
| Noninterest expense to average assets | 2.6844% | 2,430 |
| Loan and lease loss provision to assets | 0.0765% | 3,337 |
| Net operating income to assets | 1.2105% | 1,612 |
| Return on assets (ROA) | 1.2105% | 1,736 |
| Pretax return on assets | 1.6565% | 1,089 |
| Return on Equity (ROE) | 9.4874% | 2,158 |
| Retained earnings to average equity (ytd only) | 2.1971% | 3,680 |
| Net charge-offs to loans | -0.0059% | 4,059 |
| Credit loss provision to net charge-offs | -1,800.0000% | 3,869 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7692% | 3,311 |
| Assets per employee ($millions) | 5.4866% | 2,652 |
| Cash dividends to net income (ytd only)* | 76.8421% | 810 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5529% | 1,117 |
| Loan loss allowance to noncurrent loans | 218.7739% | 2,005 |
| Noncurrent assets plus other real estate owned to assets | 0.5286% | 2,242 |
| Noncurrent loans to loans | 0.7098% | 2,103 |
| Net loans and leases to total assets | 73.3085% | 1,506 |
| Net loans and leases to deposits | 88.1849% | 1,536 |
| Net loans and leases to core deposits | 88.7296% | 2,178 |
| Total domestic deposits to total assets | 83.1305% | 3,050 |
| Equity capital to assets | 12.3960% | 1,427 |
| Core capital (leverage) ratio | 12.6327% | 1,132 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4490% | 1,147 |
| Memoranda: | ||
| Average total assets | $47,087,333 | 4,730 |
| Average earning assets | $44,008,000 | 4,718 |
| Average equity | $6,008,000 | 4,689 |
| Average total loans | $33,738,667 | 4,488 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8049% | 1,404 |
| Cost of funding earning assets | 0.7537% | 2,649 |
| Net interest margin | 4.0512% | 1,250 |
| Noninterest income to average assets | 0.3047% | 3,691 |
| Noninterest expense to average assets | 2.5337% | 3,174 |
| Loan and lease loss provision to assets | 0.0784% | 2,736 |
| Net operating income to assets | 1.0535% | 1,991 |
| Return on assets (ROA) | 1.0535% | 2,091 |
| Pretax return on assets | 1.4366% | 1,467 |
| Return on Equity (ROE) | 8.1324% | 2,465 |
| Retained earnings to average equity (ytd only) | -6.5194% | 4,611 |
| Net charge-offs to loans | -0.0124% | 4,154 |
| Credit loss provision to net charge-offs | -900.0000% | 3,530 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5806% | 3,428 |
| Assets per employee ($millions) | 5.0779% | 2,561 |
| Cash dividends to net income (ytd only)* | 180.1653% | 360 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7067% | 870 |
| Loan loss allowance to noncurrent loans | 460.6557% | 1,038 |
| Noncurrent assets plus other real estate owned to assets | 0.2670% | 3,392 |
| Noncurrent loans to loans | 0.3705% | 3,160 |
| Net loans and leases to total assets | 70.8234% | 2,117 |
| Net loans and leases to deposits | 82.6384% | 2,366 |
| Net loans and leases to core deposits | 83.1800% | 2,921 |
| Total domestic deposits to total assets | 85.7027% | 2,126 |
| Equity capital to assets | 12.9056% | 1,484 |
| Core capital (leverage) ratio | 12.6490% | 1,366 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7619% | 1,180 |
| Memoranda: | ||
| Average total assets | $45,941,500 | 4,769 |
| Average earning assets | $42,457,000 | 4,772 |
| Average equity | $5,951,500 | 4,730 |
| Average total loans | $32,223,000 | 4,559 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8882% | 1,788 |
| Cost of funding earning assets | 0.7408% | 2,969 |
| Net interest margin | 4.1474% | 1,434 |
| Noninterest income to average assets | 0.3579% | 3,559 |
| Noninterest expense to average assets | 2.7276% | 2,809 |
| Loan and lease loss provision to assets | 0.0786% | 2,426 |
| Net operating income to assets | 1.0277% | 2,740 |
| Return on assets (ROA) | 1.0277% | 2,835 |
| Pretax return on assets | 1.3878% | 2,205 |
| Return on Equity (ROE) | 8.1238% | 3,113 |
| Retained earnings to average equity (ytd only) | 4.6224% | 2,631 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0364% | 2,930 |
| Assets per employee ($millions) | 5.1313% | 2,415 |
| Cash dividends to net income (ytd only)* | 43.0998% | 2,437 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7514% | 714 |
| Loan loss allowance to noncurrent loans | 353.8462% | 1,319 |
| Noncurrent assets plus other real estate owned to assets | 0.3378% | 3,064 |
| Noncurrent loans to loans | 0.4950% | 2,700 |
| Net loans and leases to total assets | 67.0499% | 2,819 |
| Net loans and leases to deposits | 78.2142% | 2,985 |
| Net loans and leases to core deposits | 78.7232% | 3,395 |
| Total domestic deposits to total assets | 85.7260% | 2,176 |
| Equity capital to assets | 13.0029% | 1,519 |
| Core capital (leverage) ratio | 12.8640% | 1,299 |
| Tier 1 risk-based capital ratio | 17.7222% | 1,835 |
| Total risk-based capital ratio | 18.9751% | 1,787 |
| Memoranda: | ||
| Average total assets | $45,828,400 | 4,817 |
| Average earning assets | $42,387,600 | 4,809 |
| Average equity | $5,797,800 | 4,786 |
| Average total loans | $31,773,000 | 4,606 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8744% | 1,897 |
| Cost of funding earning assets | 0.7138% | 3,138 |
| Net interest margin | 4.1606% | 1,473 |
| Noninterest income to average assets | 0.3615% | 3,563 |
| Noninterest expense to average assets | 2.6818% | 2,916 |
| Loan and lease loss provision to assets | 0.0787% | 2,334 |
| Net operating income to assets | 1.0989% | 2,572 |
| Return on assets (ROA) | 1.0989% | 2,669 |
| Pretax return on assets | 1.4750% | 2,032 |
| Return on Equity (ROE) | 8.7478% | 2,987 |
| Retained earnings to average equity (ytd only) | 4.0374% | 3,377 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3173% | 3,108 |
| Assets per employee ($millions) | 5.3531% | 2,169 |
| Cash dividends to net income (ytd only)* | 53.8466% | 1,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7159% | 794 |
| Loan loss allowance to noncurrent loans | 266.1765% | 1,675 |
| Noncurrent assets plus other real estate owned to assets | 0.4234% | 2,821 |
| Noncurrent loans to loans | 0.6446% | 2,345 |
| Net loans and leases to total assets | 64.5585% | 3,231 |
| Net loans and leases to deposits | 77.6895% | 3,134 |
| Net loans and leases to core deposits | 78.1974% | 3,536 |
| Total domestic deposits to total assets | 83.0981% | 3,132 |
| Equity capital to assets | 12.2608% | 2,068 |
| Core capital (leverage) ratio | 12.7316% | 1,469 |
| Tier 1 risk-based capital ratio | 16.8642% | 2,128 |
| Total risk-based capital ratio | 18.1157% | 2,073 |
| Memoranda: | ||
| Average total assets | $45,740,000 | 4,887 |
| Average earning assets | $42,588,750 | 4,873 |
| Average equity | $5,746,000 | 4,852 |
| Average total loans | $31,837,000 | 4,666 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8918% | 1,775 |
| Cost of funding earning assets | 0.6653% | 3,337 |
| Net interest margin | 4.2265% | 1,296 |
| Noninterest income to average assets | 0.3561% | 3,547 |
| Noninterest expense to average assets | 2.6888% | 2,945 |
| Loan and lease loss provision to assets | 0.0801% | 2,231 |
| Net operating income to assets | 1.1263% | 2,420 |
| Return on assets (ROA) | 1.1263% | 2,494 |
| Pretax return on assets | 1.5180% | 1,802 |
| Return on Equity (ROE) | 8.8892% | 2,904 |
| Retained earnings to average equity (ytd only) | 1.7567% | 4,190 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7207% | 3,328 |
| Assets per employee ($millions) | 5.0958% | 2,368 |
| Cash dividends to net income (ytd only)* | 80.2372% | 824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6397% | 943 |
| Loan loss allowance to noncurrent loans | 254.2857% | 1,810 |
| Noncurrent assets plus other real estate owned to assets | 0.4579% | 2,690 |
| Noncurrent loans to loans | 0.6448% | 2,329 |
| Net loans and leases to total assets | 69.8443% | 2,550 |
| Net loans and leases to deposits | 84.4726% | 2,440 |
| Net loans and leases to core deposits | 85.0580% | 3,025 |
| Total domestic deposits to total assets | 82.6828% | 3,312 |
| Equity capital to assets | 12.5987% | 1,800 |
| Core capital (leverage) ratio | 12.8508% | 1,375 |
| Tier 1 risk-based capital ratio | 16.4323% | 2,266 |
| Total risk-based capital ratio | 17.6838% | 2,208 |
| Memoranda: | ||
| Average total assets | $44,927,330 | 4,941 |
| Average earning assets | $41,784,000 | 4,929 |
| Average equity | $5,692,330 | 4,888 |
| Average total loans | $31,900,670 | 4,703 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7752% | 1,972 |
| Cost of funding earning assets | 0.5715% | 3,721 |
| Net interest margin | 4.2037% | 1,296 |
| Noninterest income to average assets | 0.3689% | 3,383 |
| Noninterest expense to average assets | 2.7350% | 2,792 |
| Loan and lease loss provision to assets | 0.0810% | 2,082 |
| Net operating income to assets | 1.0976% | 2,480 |
| Return on assets (ROA) | 1.0976% | 2,526 |
| Pretax return on assets | 1.4575% | 1,894 |
| Return on Equity (ROE) | 8.6379% | 2,971 |
| Retained earnings to average equity (ytd only) | -5.7350% | 4,963 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0000% | 3,244 |
| Assets per employee ($millions) | 5.5250% | 1,962 |
| Cash dividends to net income (ytd only)* | 166.3934% | 277 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6062% | 1,049 |
| Loan loss allowance to noncurrent loans | 403.8462% | 1,241 |
| Noncurrent assets plus other real estate owned to assets | 0.2941% | 3,430 |
| Noncurrent loans to loans | 0.3977% | 3,164 |
| Net loans and leases to total assets | 72.7624% | 2,030 |
| Net loans and leases to deposits | 84.9382% | 2,269 |
| Net loans and leases to core deposits | 85.5368% | 2,908 |
| Total domestic deposits to total assets | 85.6652% | 2,417 |
| Equity capital to assets | 12.7262% | 1,611 |
| Core capital (leverage) ratio | 12.7036% | 1,400 |
| Tier 1 risk-based capital ratio | 16.5789% | 2,238 |
| Total risk-based capital ratio | 17.8326% | 2,193 |
| Memoranda: | ||
| Average total assets | $44,460,000 | 4,999 |
| Average earning assets | $41,296,500 | 4,986 |
| Average equity | $5,649,500 | 4,937 |
| Average total loans | $31,568,000 | 4,760 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4802% | 2,518 |
| Cost of funding earning assets | 0.5246% | 3,208 |
| Net interest margin | 3.9556% | 2,142 |
| Noninterest income to average assets | 0.3627% | 3,668 |
| Noninterest expense to average assets | 2.6539% | 3,172 |
| Loan and lease loss provision to assets | 0.0531% | 3,120 |
| Net operating income to assets | 0.9952% | 3,028 |
| Return on assets (ROA) | 0.9952% | 3,020 |
| Pretax return on assets | 1.3247% | 2,415 |
| Return on Equity (ROE) | 8.1480% | 3,378 |
| Retained earnings to average equity (ytd only) | 2.7522% | 4,023 |
| Net charge-offs to loans | 0.2768% | 698 |
| Credit loss provision to net charge-offs | 26.9663% | 3,367 |
| Earnings coverage of net charge-offs (x) | 7.0000% | 3,022 |
| Efficiency ratio | 65.8256% | 2,893 |
| Assets per employee ($millions) | 5.5900% | 1,876 |
| Cash dividends to net income (ytd only)* | 66.2222% | 1,232 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6946% | 842 |
| Loan loss allowance to noncurrent loans | 324.5283% | 1,548 |
| Noncurrent assets plus other real estate owned to assets | 0.3555% | 3,121 |
| Noncurrent loans to loans | 0.5222% | 2,705 |
| Net loans and leases to total assets | 66.9365% | 3,011 |
| Net loans and leases to deposits | 77.9775% | 3,169 |
| Net loans and leases to core deposits | 78.5195% | 3,537 |
| Total domestic deposits to total assets | 85.8408% | 2,308 |
| Equity capital to assets | 12.6878% | 1,487 |
| Core capital (leverage) ratio | 13.0202% | 1,242 |
| Tier 1 risk-based capital ratio | 17.6564% | 1,859 |
| Total risk-based capital ratio | 18.9104% | 1,810 |
| Memoranda: | ||
| Average total assets | $45,216,800 | 5,028 |
| Average earning assets | $41,940,200 | 5,016 |
| Average equity | $5,522,800 | 4,968 |
| Average total loans | $32,151,000 | 4,762 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4117% | 2,590 |
| Cost of funding earning assets | 0.5172% | 3,082 |
| Net interest margin | 3.8945% | 2,324 |
| Noninterest income to average assets | 0.3646% | 3,692 |
| Noninterest expense to average assets | 2.5495% | 3,444 |
| Loan and lease loss provision to assets | 0.0529% | 2,923 |
| Net operating income to assets | 1.0527% | 2,860 |
| Return on assets (ROA) | 1.0527% | 2,871 |
| Pretax return on assets | 1.3938% | 2,250 |
| Return on Equity (ROE) | 8.7023% | 3,241 |
| Retained earnings to average equity (ytd only) | 1.4585% | 4,741 |
| Net charge-offs to loans | -0.0655% | 5,030 |
| Credit loss provision to net charge-offs | -112.5000% | 4,244 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7969% | 3,216 |
| Assets per employee ($millions) | 4.8214% | 2,693 |
| Cash dividends to net income (ytd only)* | 83.2398% | 506 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9356% | 552 |
| Loan loss allowance to noncurrent loans | 144.3662% | 2,834 |
| Noncurrent assets plus other real estate owned to assets | 0.9817% | 1,484 |
| Noncurrent loans to loans | 1.3408% | 1,243 |
| Net loans and leases to total assets | 71.8042% | 2,359 |
| Net loans and leases to deposits | 88.8426% | 2,044 |
| Net loans and leases to core deposits | 89.5242% | 2,697 |
| Total domestic deposits to total assets | 80.8218% | 3,910 |
| Equity capital to assets | 12.8246% | 1,408 |
| Core capital (leverage) ratio | 12.6859% | 1,427 |
| Tier 1 risk-based capital ratio | 16.9858% | 2,113 |
| Total risk-based capital ratio | 18.2422% | 2,060 |
| Memoranda: | ||
| Average total assets | $45,341,000 | 5,087 |
| Average earning assets | $42,280,750 | 5,068 |
| Average equity | $5,485,000 | 5,031 |
| Average total loans | $32,576,250 | 4,805 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3166% | 2,707 |
| Cost of funding earning assets | 0.4869% | 3,115 |
| Net interest margin | 3.8297% | 2,458 |
| Noninterest income to average assets | 0.2566% | 4,476 |
| Noninterest expense to average assets | 2.4136% | 3,859 |
| Loan and lease loss provision to assets | 0.0522% | 2,873 |
| Net operating income to assets | 1.0176% | 2,936 |
| Return on assets (ROA) | 1.0176% | 2,945 |
| Pretax return on assets | 1.3481% | 2,331 |
| Return on Equity (ROE) | 8.5741% | 3,220 |
| Retained earnings to average equity (ytd only) | -2.3450% | 5,178 |
| Net charge-offs to loans | -0.0974% | 5,149 |
| Credit loss provision to net charge-offs | -75.0000% | 4,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2839% | 3,417 |
| Assets per employee ($millions) | 4.5440% | 3,065 |
| Cash dividends to net income (ytd only)* | 127.3504% | 203 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8133% | 740 |
| Loan loss allowance to noncurrent loans | 227.2388% | 2,058 |
| Noncurrent assets plus other real estate owned to assets | 0.5898% | 2,460 |
| Noncurrent loans to loans | 0.7980% | 2,134 |
| Net loans and leases to total assets | 72.5726% | 2,185 |
| Net loans and leases to deposits | 88.4647% | 2,054 |
| Net loans and leases to core deposits | 91.5799% | 2,438 |
| Total domestic deposits to total assets | 82.0357% | 3,712 |
| Equity capital to assets | 12.0136% | 1,848 |
| Core capital (leverage) ratio | 12.1406% | 1,624 |
| Tier 1 risk-based capital ratio | 15.8564% | 2,488 |
| Total risk-based capital ratio | 17.1109% | 2,435 |
| Memoranda: | ||
| Average total assets | $45,990,330 | 5,124 |
| Average earning assets | $42,719,000 | 5,114 |
| Average equity | $5,458,330 | 5,088 |
| Average total loans | $32,844,000 | 4,844 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1694% | 2,991 |
| Cost of funding earning assets | 0.4300% | 3,369 |
| Net interest margin | 3.7394% | 2,649 |
| Noninterest income to average assets | 0.2680% | 4,379 |
| Noninterest expense to average assets | 2.3171% | 4,153 |
| Loan and lease loss provision to assets | 0.0519% | 2,736 |
| Net operating income to assets | 1.0288% | 2,738 |
| Return on assets (ROA) | 1.0288% | 2,756 |
| Pretax return on assets | 1.3574% | 2,162 |
| Return on Equity (ROE) | 8.7211% | 3,043 |
| Retained earnings to average equity (ytd only) | -13.1184% | 5,428 |
| Net charge-offs to loans | -0.0123% | 4,338 |
| Credit loss provision to net charge-offs | -600.0000% | 4,048 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.1810% | 3,746 |
| Assets per employee ($millions) | 4.5483% | 3,076 |
| Cash dividends to net income (ytd only)* | 250.4202% | 114 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7973% | 789 |
| Loan loss allowance to noncurrent loans | 98.6577% | 3,479 |
| Noncurrent assets plus other real estate owned to assets | 1.3104% | 1,133 |
| Noncurrent loans to loans | 1.8217% | 913 |
| Net loans and leases to total assets | 70.6374% | 2,377 |
| Net loans and leases to deposits | 82.3330% | 2,566 |
| Net loans and leases to core deposits | 85.1073% | 2,880 |
| Total domestic deposits to total assets | 85.7947% | 2,638 |
| Equity capital to assets | 11.7670% | 1,934 |
| Core capital (leverage) ratio | 11.7394% | 1,824 |
| Tier 1 risk-based capital ratio | 15.7149% | 2,581 |
| Total risk-based capital ratio | 16.9702% | 2,531 |
| Memoranda: | ||
| Average total assets | $46,265,500 | 5,181 |
| Average earning assets | $42,788,000 | 5,167 |
| Average equity | $5,458,000 | 5,142 |
| Average total loans | $32,473,000 | 4,906 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0871% | 3,101 |
| Cost of funding earning assets | 0.4099% | 3,158 |
| Net interest margin | 3.6772% | 2,887 |
| Noninterest income to average assets | 0.2309% | 4,751 |
| Noninterest expense to average assets | 2.4716% | 3,876 |
| Loan and lease loss provision to assets | 0.0528% | 3,175 |
| Net operating income to assets | 0.9653% | 2,380 |
| Return on assets (ROA) | 0.9653% | 2,421 |
| Pretax return on assets | 1.0995% | 3,187 |
| Return on Equity (ROE) | 8.1665% | 2,722 |
| Retained earnings to average equity (ytd only) | 4.9111% | 2,185 |
| Net charge-offs to loans | -0.0162% | 4,900 |
| Credit loss provision to net charge-offs | -480.0000% | 4,942 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2039% | 2,850 |
| Assets per employee ($millions) | 4.7048% | 2,857 |
| Cash dividends to net income (ytd only)* | 39.8633% | 2,871 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8027% | 776 |
| Loan loss allowance to noncurrent loans | 218.4211% | 2,142 |
| Noncurrent assets plus other real estate owned to assets | 0.5654% | 2,658 |
| Noncurrent loans to loans | 0.8253% | 2,157 |
| Net loans and leases to total assets | 67.2696% | 2,921 |
| Net loans and leases to deposits | 78.2365% | 3,093 |
| Net loans and leases to core deposits | 80.7805% | 3,358 |
| Total domestic deposits to total assets | 85.9824% | 2,444 |
| Equity capital to assets | 11.8262% | 1,967 |
| Core capital (leverage) ratio | 12.2338% | 1,481 |
| Tier 1 risk-based capital ratio | 16.3126% | 2,325 |
| Total risk-based capital ratio | 17.5677% | 2,264 |
| Memoranda: | ||
| Average total assets | $45,476,800 | 5,242 |
| Average earning assets | $41,961,200 | 5,234 |
| Average equity | $5,375,600 | 5,210 |
| Average total loans | $30,791,800 | 5,005 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0741% | 3,076 |
| Cost of funding earning assets | 0.3969% | 3,230 |
| Net interest margin | 3.6772% | 2,833 |
| Noninterest income to average assets | 0.2336% | 4,816 |
| Noninterest expense to average assets | 2.3955% | 4,028 |
| Loan and lease loss provision to assets | 0.0532% | 3,036 |
| Net operating income to assets | 0.8488% | 3,274 |
| Return on assets (ROA) | 0.8488% | 3,326 |
| Pretax return on assets | 1.1829% | 2,975 |
| Return on Equity (ROE) | 7.1814% | 3,553 |
| Retained earnings to average equity (ytd only) | 2.8025% | 4,236 |
| Net charge-offs to loans | 0.0044% | 3,576 |
| Credit loss provision to net charge-offs | 1,800.0000% | 217 |
| Earnings coverage of net charge-offs (x) | 419.0376% | 231 |
| Efficiency ratio | 65.9609% | 3,218 |
| Assets per employee ($millions) | 4.6333% | 2,927 |
| Cash dividends to net income (ytd only)* | 60.9758% | 1,300 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8709% | 748 |
| Loan loss allowance to noncurrent loans | 208.4249% | 2,171 |
| Noncurrent assets plus other real estate owned to assets | 0.5892% | 2,746 |
| Noncurrent loans to loans | 0.8976% | 2,138 |
| Net loans and leases to total assets | 64.4120% | 3,331 |
| Net loans and leases to deposits | 74.6343% | 3,507 |
| Net loans and leases to core deposits | 79.1429% | 3,525 |
| Total domestic deposits to total assets | 86.3035% | 2,178 |
| Equity capital to assets | 11.7691% | 2,134 |
| Core capital (leverage) ratio | 12.1150% | 1,619 |
| Tier 1 risk-based capital ratio | 16.6414% | 2,269 |
| Total risk-based capital ratio | 17.8961% | 2,223 |
| Memoranda: | ||
| Average total assets | $45,084,000 | 5,305 |
| Average earning assets | $41,660,500 | 5,295 |
| Average equity | $5,328,500 | 5,273 |
| Average total loans | $30,432,250 | 5,064 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0249% | 3,115 |
| Cost of funding earning assets | 0.3707% | 3,377 |
| Net interest margin | 3.6542% | 2,820 |
| Noninterest income to average assets | 0.2507% | 4,739 |
| Noninterest expense to average assets | 2.5208% | 3,685 |
| Loan and lease loss provision to assets | 0.0537% | 2,900 |
| Net operating income to assets | 0.7836% | 3,474 |
| Return on assets (ROA) | 0.7836% | 3,530 |
| Pretax return on assets | 1.0746% | 3,283 |
| Return on Equity (ROE) | 6.6200% | 3,769 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,071 |
| Net charge-offs to loans | 0.0066% | 3,220 |
| Credit loss provision to net charge-offs | 1,200.0000% | 333 |
| Earnings coverage of net charge-offs (x) | 252.0000% | 336 |
| Efficiency ratio | 69.0798% | 2,834 |
| Assets per employee ($millions) | 4.3008% | 3,432 |
| Cash dividends to net income (ytd only)* | 100.0000% | 478 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8248% | 843 |
| Loan loss allowance to noncurrent loans | 206.2271% | 2,178 |
| Noncurrent assets plus other real estate owned to assets | 0.6348% | 2,654 |
| Noncurrent loans to loans | 0.8849% | 2,203 |
| Net loans and leases to total assets | 70.4264% | 2,459 |
| Net loans and leases to deposits | 82.5493% | 2,651 |
| Net loans and leases to core deposits | 85.5332% | 2,929 |
| Total domestic deposits to total assets | 85.3144% | 2,687 |
| Equity capital to assets | 12.4465% | 1,648 |
| Core capital (leverage) ratio | 12.0385% | 1,614 |
| Tier 1 risk-based capital ratio | 16.6493% | 2,258 |
| Total risk-based capital ratio | 17.9028% | 2,212 |
| Memoranda: | ||
| Average total assets | $44,667,670 | 5,350 |
| Average earning assets | $41,541,670 | 5,336 |
| Average equity | $5,287,000 | 5,316 |
| Average total loans | $30,438,670 | 5,097 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9276% | 3,293 |
| Cost of funding earning assets | 0.3536% | 3,488 |
| Net interest margin | 3.5740% | 2,987 |
| Noninterest income to average assets | 0.2550% | 4,717 |
| Noninterest expense to average assets | 2.6287% | 3,384 |
| Loan and lease loss provision to assets | 0.0528% | 2,753 |
| Net operating income to assets | 0.6506% | 3,934 |
| Return on assets (ROA) | 0.6506% | 3,969 |
| Pretax return on assets | 0.8616% | 3,891 |
| Return on Equity (ROE) | 5.6338% | 4,067 |
| Retained earnings to average equity (ytd only) | -7.6894% | 5,511 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1935% | 2,202 |
| Assets per employee ($millions) | 4.4360% | 3,275 |
| Cash dividends to net income (ytd only)* | 236.4865% | 170 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8643% | 851 |
| Loan loss allowance to noncurrent loans | 521.4953% | 1,023 |
| Noncurrent assets plus other real estate owned to assets | 0.2412% | 4,259 |
| Noncurrent loans to loans | 0.3575% | 3,809 |
| Net loans and leases to total assets | 66.2151% | 2,942 |
| Net loans and leases to deposits | 76.6739% | 3,115 |
| Net loans and leases to core deposits | 79.3350% | 3,353 |
| Total domestic deposits to total assets | 86.3593% | 2,506 |
| Equity capital to assets | 11.7426% | 2,004 |
| Core capital (leverage) ratio | 11.3800% | 2,040 |
| Tier 1 risk-based capital ratio | 16.8838% | 2,221 |
| Total risk-based capital ratio | 18.1406% | 2,180 |
| Memoranda: | ||
| Average total assets | $45,497,500 | 5,395 |
| Average earning assets | $41,858,000 | 5,385 |
| Average equity | $5,254,000 | 5,371 |
| Average total loans | $30,232,000 | 5,148 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2258% | 2,404 |
| Cost of funding earning assets | 0.3540% | 3,473 |
| Net interest margin | 3.8717% | 2,058 |
| Noninterest income to average assets | 0.2179% | 5,110 |
| Noninterest expense to average assets | 2.3715% | 4,365 |
| Loan and lease loss provision to assets | 0.0182% | 4,014 |
| Net operating income to assets | 0.9282% | 2,690 |
| Return on assets (ROA) | 0.9282% | 2,805 |
| Pretax return on assets | 1.3276% | 2,184 |
| Return on Equity (ROE) | 7.8884% | 3,006 |
| Retained earnings to average equity (ytd only) | 4.7639% | 2,499 |
| Net charge-offs to loans | 0.0191% | 3,675 |
| Credit loss provision to net charge-offs | 133.3333% | 2,030 |
| Earnings coverage of net charge-offs (x) | 98.8333% | 602 |
| Efficiency ratio | 63.7973% | 3,973 |
| Assets per employee ($millions) | 4.6635% | 2,857 |
| Cash dividends to net income (ytd only)* | 39.6088% | 2,873 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8079% | 933 |
| Loan loss allowance to noncurrent loans | 649.4118% | 852 |
| Noncurrent assets plus other real estate owned to assets | 0.1823% | 4,592 |
| Noncurrent loans to loans | 0.2784% | 4,159 |
| Net loans and leases to total assets | 64.2886% | 3,317 |
| Net loans and leases to deposits | 74.0071% | 3,515 |
| Net loans and leases to core deposits | 76.4334% | 3,713 |
| Total domestic deposits to total assets | 86.8682% | 2,211 |
| Equity capital to assets | 11.3627% | 2,276 |
| Core capital (leverage) ratio | 11.8851% | 1,673 |
| Tier 1 risk-based capital ratio | 16.4858% | 2,358 |
| Total risk-based capital ratio | 17.7398% | 2,293 |
| Memoranda: | ||
| Average total assets | $44,065,400 | 5,466 |
| Average earning assets | $39,827,000 | 5,474 |
| Average equity | $5,184,800 | 5,441 |
| Average total loans | $31,440,200 | 5,153 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2742% | 2,245 |
| Cost of funding earning assets | 0.3488% | 3,555 |
| Net interest margin | 3.9254% | 1,892 |
| Noninterest income to average assets | 0.2211% | 5,143 |
| Noninterest expense to average assets | 2.4073% | 4,259 |
| Loan and lease loss provision to assets | 0.0061% | 4,109 |
| Net operating income to assets | 0.9273% | 2,768 |
| Return on assets (ROA) | 0.9273% | 2,894 |
| Pretax return on assets | 1.3664% | 2,171 |
| Return on Equity (ROE) | 7.8092% | 3,112 |
| Retained earnings to average equity (ytd only) | 3.6201% | 3,717 |
| Net charge-offs to loans | 0.0253% | 3,160 |
| Credit loss provision to net charge-offs | 33.3333% | 3,198 |
| Earnings coverage of net charge-offs (x) | 74.4988% | 827 |
| Efficiency ratio | 63.6881% | 3,972 |
| Assets per employee ($millions) | 4.3189% | 3,383 |
| Cash dividends to net income (ytd only)* | 53.6408% | 1,711 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7095% | 1,199 |
| Loan loss allowance to noncurrent loans | 4,550.0000% | 164 |
| Noncurrent assets plus other real estate owned to assets | 0.0278% | 5,386 |
| Noncurrent loans to loans | 0.0376% | 5,217 |
| Net loans and leases to total assets | 72.6898% | 2,065 |
| Net loans and leases to deposits | 84.9382% | 2,376 |
| Net loans and leases to core deposits | 88.0000% | 2,764 |
| Total domestic deposits to total assets | 85.5797% | 2,565 |
| Equity capital to assets | 12.1628% | 2,001 |
| Core capital (leverage) ratio | 12.2194% | 1,529 |
| Tier 1 risk-based capital ratio | 15.7903% | 2,707 |
| Total risk-based capital ratio | 17.0437% | 2,644 |
| Memoranda: | ||
| Average total assets | $43,423,000 | 5,535 |
| Average earning assets | $39,366,750 | 5,538 |
| Average equity | $5,156,250 | 5,497 |
| Average total loans | $31,667,000 | 5,196 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2627% | 2,286 |
| Cost of funding earning assets | 0.3467% | 3,606 |
| Net interest margin | 3.9159% | 1,928 |
| Noninterest income to average assets | 0.2391% | 5,053 |
| Noninterest expense to average assets | 2.3862% | 4,384 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.9609% | 2,574 |
| Return on assets (ROA) | 0.9609% | 2,724 |
| Pretax return on assets | 1.3839% | 2,085 |
| Return on Equity (ROE) | 8.1577% | 2,908 |
| Retained earnings to average equity (ytd only) | 1.8735% | 4,617 |
| Net charge-offs to loans | 0.0317% | 2,831 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 60.2000% | 878 |
| Efficiency ratio | 63.2927% | 4,137 |
| Assets per employee ($millions) | 4.2901% | 3,390 |
| Cash dividends to net income (ytd only)* | 77.0335% | 962 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7074% | 1,261 |
| Loan loss allowance to noncurrent loans | 54,500.0000% | 12 |
| Noncurrent assets plus other real estate owned to assets | 0.0023% | 5,635 |
| Noncurrent loans to loans | 0.0031% | 5,505 |
| Net loans and leases to total assets | 73.1312% | 1,999 |
| Net loans and leases to deposits | 85.2786% | 2,324 |
| Net loans and leases to core deposits | 87.6614% | 2,763 |
| Total domestic deposits to total assets | 85.7556% | 2,537 |
| Equity capital to assets | 12.0766% | 2,078 |
| Core capital (leverage) ratio | 11.8419% | 1,737 |
| Tier 1 risk-based capital ratio | 15.3126% | 2,935 |
| Total risk-based capital ratio | 16.5655% | 2,872 |
| Memoranda: | ||
| Average total assets | $43,501,000 | 5,594 |
| Average earning assets | $39,224,330 | 5,601 |
| Average equity | $5,124,000 | 5,561 |
| Average total loans | $31,576,000 | 5,246 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2827% | 2,192 |
| Cost of funding earning assets | 0.3279% | 3,866 |
| Net interest margin | 3.9548% | 1,767 |
| Noninterest income to average assets | 0.2466% | 4,972 |
| Noninterest expense to average assets | 2.4109% | 4,333 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.9498% | 2,512 |
| Return on assets (ROA) | 0.9498% | 2,629 |
| Pretax return on assets | 1.3607% | 2,041 |
| Return on Equity (ROE) | 8.1641% | 2,821 |
| Retained earnings to average equity (ytd only) | -4.4745% | 5,581 |
| Net charge-offs to loans | -0.0127% | 4,636 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9225% | 4,139 |
| Assets per employee ($millions) | 4.7840% | 2,622 |
| Cash dividends to net income (ytd only)* | 154.8077% | 355 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7958% | 1,158 |
| Loan loss allowance to noncurrent loans | 1,252.2727% | 481 |
| Noncurrent assets plus other real estate owned to assets | 0.1022% | 5,168 |
| Noncurrent loans to loans | 0.1434% | 4,903 |
| Net loans and leases to total assets | 69.9810% | 2,348 |
| Net loans and leases to deposits | 81.2091% | 2,648 |
| Net loans and leases to core deposits | 83.4584% | 2,989 |
| Total domestic deposits to total assets | 86.1738% | 2,602 |
| Equity capital to assets | 11.7591% | 2,193 |
| Core capital (leverage) ratio | 11.7450% | 1,798 |
| Tier 1 risk-based capital ratio | 15.4516% | 2,947 |
| Total risk-based capital ratio | 16.7050% | 2,877 |
| Memoranda: | ||
| Average total assets | $43,801,000 | 5,639 |
| Average earning assets | $39,041,000 | 5,658 |
| Average equity | $5,095,500 | 5,609 |
| Average total loans | $31,404,500 | 5,292 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3099% | 2,196 |
| Cost of funding earning assets | 0.3801% | 3,366 |
| Net interest margin | 3.9298% | 1,933 |
| Noninterest income to average assets | 0.2341% | 5,193 |
| Noninterest expense to average assets | 2.4684% | 4,327 |
| Loan and lease loss provision to assets | 0.0136% | 4,132 |
| Net operating income to assets | 0.9487% | 2,620 |
| Return on assets (ROA) | 0.9455% | 2,710 |
| Pretax return on assets | 1.3660% | 2,047 |
| Return on Equity (ROE) | 8.3233% | 2,790 |
| Retained earnings to average equity (ytd only) | 4.3417% | 2,888 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0708% | 4,247 |
| Assets per employee ($millions) | 4.4546% | 3,114 |
| Cash dividends to net income (ytd only)* | 47.8365% | 2,425 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7120% | 1,329 |
| Loan loss allowance to noncurrent loans | 55,000.0000% | 25 |
| Noncurrent assets plus other real estate owned to assets | 0.0022% | 5,724 |
| Noncurrent loans to loans | 0.0031% | 5,550 |
| Net loans and leases to total assets | 70.8863% | 2,220 |
| Net loans and leases to deposits | 85.8421% | 2,153 |
| Net loans and leases to core deposits | 88.2409% | 2,577 |
| Total domestic deposits to total assets | 82.5776% | 3,986 |
| Equity capital to assets | 11.5117% | 2,346 |
| Core capital (leverage) ratio | 11.5057% | 1,955 |
| Tier 1 risk-based capital ratio | 15.4335% | 2,964 |
| Total risk-based capital ratio | 16.6866% | 2,900 |
| Memoranda: | ||
| Average total assets | $43,997,000 | 5,683 |
| Average earning assets | $40,511,200 | 5,661 |
| Average equity | $4,998,000 | 5,654 |
| Average total loans | $31,529,600 | 5,309 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2941% | 2,253 |
| Cost of funding earning assets | 0.3978% | 3,247 |
| Net interest margin | 3.8963% | 2,046 |
| Noninterest income to average assets | 0.2280% | 5,286 |
| Noninterest expense to average assets | 2.3255% | 4,720 |
| Loan and lease loss provision to assets | 0.0182% | 3,915 |
| Net operating income to assets | 1.0439% | 2,251 |
| Return on assets (ROA) | 1.0397% | 2,372 |
| Pretax return on assets | 1.4804% | 1,732 |
| Return on Equity (ROE) | 9.1832% | 2,480 |
| Retained earnings to average equity (ytd only) | 3.8397% | 3,740 |
| Net charge-offs to loans | -0.0042% | 4,809 |
| Credit loss provision to net charge-offs | -600.0000% | 5,397 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7143% | 4,788 |
| Assets per employee ($millions) | 4.3490% | 3,246 |
| Cash dividends to net income (ytd only)* | 58.1877% | 1,506 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6774% | 1,525 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 74.2630% | 1,691 |
| Net loans and leases to deposits | 96.2997% | 974 |
| Net loans and leases to core deposits | 99.2593% | 1,578 |
| Total domestic deposits to total assets | 77.1166% | 5,322 |
| Equity capital to assets | 11.6418% | 2,386 |
| Core capital (leverage) ratio | 11.2301% | 2,264 |
| Tier 1 risk-based capital ratio | 14.1106% | 3,791 |
| Total risk-based capital ratio | 15.3618% | 3,721 |
| Memoranda: | ||
| Average total assets | $43,859,750 | 5,763 |
| Average earning assets | $40,550,750 | 5,738 |
| Average equity | $4,965,500 | 5,736 |
| Average total loans | $31,380,250 | 5,373 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2418% | 2,386 |
| Cost of funding earning assets | 0.4063% | 3,206 |
| Net interest margin | 3.8355% | 2,188 |
| Noninterest income to average assets | 0.2274% | 5,341 |
| Noninterest expense to average assets | 2.2281% | 5,029 |
| Loan and lease loss provision to assets | 0.0273% | 3,587 |
| Net operating income to assets | 1.0523% | 2,132 |
| Return on assets (ROA) | 1.0459% | 2,267 |
| Pretax return on assets | 1.4824% | 1,695 |
| Return on Equity (ROE) | 9.3250% | 2,377 |
| Retained earnings to average equity (ytd only) | 1.2568% | 5,051 |
| Net charge-offs to loans | -0.0065% | 4,803 |
| Credit loss provision to net charge-offs | -600.0000% | 5,245 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4660% | 5,052 |
| Assets per employee ($millions) | 4.3606% | 3,192 |
| Cash dividends to net income (ytd only)* | 86.5217% | 783 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7032% | 1,590 |
| Loan loss allowance to noncurrent loans | 7,871.4286% | 81 |
| Noncurrent assets plus other real estate owned to assets | 0.0161% | 5,830 |
| Noncurrent loans to loans | 0.0216% | 5,673 |
| Net loans and leases to total assets | 72.9235% | 1,835 |
| Net loans and leases to deposits | 92.8574% | 1,269 |
| Net loans and leases to core deposits | 97.2536% | 1,702 |
| Total domestic deposits to total assets | 78.5328% | 5,180 |
| Equity capital to assets | 11.3287% | 2,547 |
| Core capital (leverage) ratio | 11.0887% | 2,336 |
| Tier 1 risk-based capital ratio | 13.9124% | 3,977 |
| Total risk-based capital ratio | 15.1659% | 3,909 |
| Memoranda: | ||
| Average total assets | $43,983,000 | 5,823 |
| Average earning assets | $40,360,000 | 5,800 |
| Average equity | $4,933,000 | 5,795 |
| Average total loans | $30,891,000 | 5,436 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1857% | 2,515 |
| Cost of funding earning assets | 0.3977% | 3,332 |
| Net interest margin | 3.7880% | 2,269 |
| Noninterest income to average assets | 0.2173% | 5,398 |
| Noninterest expense to average assets | 2.1824% | 5,197 |
| Loan and lease loss provision to assets | 0.0272% | 3,342 |
| Net operating income to assets | 1.0323% | 2,111 |
| Return on assets (ROA) | 1.0323% | 2,262 |
| Pretax return on assets | 1.4580% | 1,703 |
| Return on Equity (ROE) | 9.2504% | 2,338 |
| Retained earnings to average equity (ytd only) | -6.8973% | 6,033 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5062% | 5,156 |
| Assets per employee ($millions) | 4.3798% | 3,232 |
| Cash dividends to net income (ytd only)* | 174.5614% | 283 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8136% | 1,470 |
| Loan loss allowance to noncurrent loans | 594.5652% | 855 |
| Noncurrent assets plus other real estate owned to assets | 0.2101% | 5,106 |
| Noncurrent loans to loans | 0.3050% | 4,697 |
| Net loans and leases to total assets | 67.6150% | 2,511 |
| Net loans and leases to deposits | 78.0384% | 2,798 |
| Net loans and leases to core deposits | 82.4903% | 2,909 |
| Total domestic deposits to total assets | 86.6432% | 2,579 |
| Equity capital to assets | 11.1626% | 2,796 |
| Core capital (leverage) ratio | 10.7605% | 2,672 |
| Tier 1 risk-based capital ratio | 14.0503% | 3,970 |
| Total risk-based capital ratio | 15.3027% | 3,895 |
| Memoranda: | ||
| Average total assets | $44,171,500 | 5,862 |
| Average earning assets | $40,232,500 | 5,858 |
| Average equity | $4,929,500 | 5,849 |
| Average total loans | $30,161,500 | 5,503 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0590% | 3,486 |
| Cost of funding earning assets | 0.4046% | 3,652 |
| Net interest margin | 3.6544% | 3,202 |
| Noninterest income to average assets | 0.2228% | 5,530 |
| Noninterest expense to average assets | 2.3906% | 4,871 |
| Loan and lease loss provision to assets | 0.0689% | 3,105 |
| Net operating income to assets | 0.8009% | 3,365 |
| Return on assets (ROA) | 0.8061% | 3,436 |
| Pretax return on assets | 1.0678% | 3,216 |
| Return on Equity (ROE) | 7.2169% | 3,507 |
| Retained earnings to average equity (ytd only) | 3.4748% | 3,736 |
| Net charge-offs to loans | -0.0141% | 5,632 |
| Credit loss provision to net charge-offs | -750.0000% | 5,858 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9061% | 3,913 |
| Assets per employee ($millions) | 4.4545% | 3,111 |
| Cash dividends to net income (ytd only)* | 51.8519% | 2,173 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8036% | 1,525 |
| Loan loss allowance to noncurrent loans | 755.5556% | 766 |
| Noncurrent assets plus other real estate owned to assets | 0.1616% | 5,378 |
| Noncurrent loans to loans | 0.2387% | 4,976 |
| Net loans and leases to total assets | 66.4901% | 2,811 |
| Net loans and leases to deposits | 77.9421% | 2,981 |
| Net loans and leases to core deposits | 82.3637% | 3,065 |
| Total domestic deposits to total assets | 85.3070% | 3,162 |
| Equity capital to assets | 11.1573% | 2,743 |
| Core capital (leverage) ratio | 11.1863% | 2,228 |
| Tier 1 risk-based capital ratio | 14.6095% | 3,718 |
| Total risk-based capital ratio | 15.8641% | 3,642 |
| Memoranda: | ||
| Average total assets | $43,545,600 | 5,941 |
| Average earning assets | $39,295,000 | 5,943 |
| Average equity | $4,863,600 | 5,891 |
| Average total loans | $28,320,600 | 5,639 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0729% | 3,476 |
| Cost of funding earning assets | 0.4073% | 3,706 |
| Net interest margin | 3.6656% | 3,168 |
| Noninterest income to average assets | 0.2002% | 5,729 |
| Noninterest expense to average assets | 2.0294% | 5,721 |
| Loan and lease loss provision to assets | 0.0831% | 2,688 |
| Net operating income to assets | 1.0095% | 2,414 |
| Return on assets (ROA) | 1.0162% | 2,438 |
| Pretax return on assets | 1.3950% | 2,031 |
| Return on Equity (ROE) | 9.0963% | 2,627 |
| Retained earnings to average equity (ytd only) | 4.0796% | 3,744 |
| Net charge-offs to loans | -0.0096% | 5,416 |
| Credit loss provision to net charge-offs | -1,350.0000% | 5,918 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0106% | 5,445 |
| Assets per employee ($millions) | 4.4365% | 3,075 |
| Cash dividends to net income (ytd only)* | 55.1513% | 1,594 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9170% | 1,416 |
| Loan loss allowance to noncurrent loans | 490.0000% | 983 |
| Noncurrent assets plus other real estate owned to assets | 0.2479% | 5,236 |
| Noncurrent loans to loans | 0.3912% | 4,739 |
| Net loans and leases to total assets | 62.1616% | 3,463 |
| Net loans and leases to deposits | 75.7408% | 3,207 |
| Net loans and leases to core deposits | 82.6381% | 3,045 |
| Total domestic deposits to total assets | 82.0715% | 4,455 |
| Equity capital to assets | 11.1980% | 2,759 |
| Core capital (leverage) ratio | 10.9912% | 2,494 |
| Tier 1 risk-based capital ratio | 15.4561% | 3,349 |
| Total risk-based capital ratio | 16.7119% | 3,281 |
| Memoranda: | ||
| Average total assets | $43,295,750 | 6,018 |
| Average earning assets | $38,956,000 | 6,022 |
| Average equity | $4,837,000 | 5,959 |
| Average total loans | $27,860,250 | 5,709 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0510% | 3,537 |
| Cost of funding earning assets | 0.4035% | 3,837 |
| Net interest margin | 3.6474% | 3,154 |
| Noninterest income to average assets | 0.1956% | 5,792 |
| Noninterest expense to average assets | 2.0308% | 5,772 |
| Loan and lease loss provision to assets | 0.0838% | 2,626 |
| Net operating income to assets | 1.0144% | 2,273 |
| Return on assets (ROA) | 1.0247% | 2,290 |
| Pretax return on assets | 1.3787% | 1,974 |
| Return on Equity (ROE) | 9.1794% | 2,516 |
| Retained earnings to average equity (ytd only) | 1.5855% | 5,110 |
| Net charge-offs to loans | -0.0144% | 5,435 |
| Credit loss provision to net charge-offs | -900.0000% | 5,699 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.3668% | 5,506 |
| Assets per employee ($millions) | 4.3033% | 3,270 |
| Cash dividends to net income (ytd only)* | 82.7273% | 833 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8182% | 1,799 |
| Loan loss allowance to noncurrent loans | 654.3210% | 725 |
| Noncurrent assets plus other real estate owned to assets | 0.1882% | 5,565 |
| Noncurrent loans to loans | 0.2779% | 5,186 |
| Net loans and leases to total assets | 66.5071% | 2,671 |
| Net loans and leases to deposits | 81.2930% | 2,348 |
| Net loans and leases to core deposits | 86.2698% | 2,489 |
| Total domestic deposits to total assets | 81.8116% | 4,713 |
| Equity capital to assets | 11.3076% | 2,602 |
| Core capital (leverage) ratio | 11.1687% | 2,276 |
| Tier 1 risk-based capital ratio | 14.6079% | 3,863 |
| Total risk-based capital ratio | 15.8634% | 3,808 |
| Memoranda: | ||
| Average total assets | $42,939,330 | 6,079 |
| Average earning assets | $38,657,330 | 6,084 |
| Average equity | $4,793,330 | 6,011 |
| Average total loans | $27,774,670 | 5,760 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9894% | 3,735 |
| Cost of funding earning assets | 0.4062% | 3,888 |
| Net interest margin | 3.5831% | 3,322 |
| Noninterest income to average assets | 0.2238% | 5,563 |
| Noninterest expense to average assets | 1.9584% | 5,965 |
| Loan and lease loss provision to assets | 0.0839% | 2,502 |
| Net operating income to assets | 1.0072% | 2,190 |
| Return on assets (ROA) | 1.0072% | 2,250 |
| Pretax return on assets | 1.3895% | 1,789 |
| Return on Equity (ROE) | 9.0814% | 2,422 |
| Retained earnings to average equity (ytd only) | -6.2224% | 6,194 |
| Net charge-offs to loans | -0.0295% | 5,547 |
| Credit loss provision to net charge-offs | -450.0000% | 5,160 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.0652% | 5,748 |
| Assets per employee ($millions) | 4.1766% | 3,580 |
| Cash dividends to net income (ytd only)* | 168.5185% | 328 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9724% | 1,570 |
| Loan loss allowance to noncurrent loans | 434.1667% | 1,076 |
| Noncurrent assets plus other real estate owned to assets | 0.2873% | 5,302 |
| Noncurrent loans to loans | 0.4543% | 4,792 |
| Net loans and leases to total assets | 61.9954% | 3,243 |
| Net loans and leases to deposits | 71.6781% | 3,381 |
| Net loans and leases to core deposits | 75.9504% | 3,417 |
| Total domestic deposits to total assets | 86.4914% | 3,109 |
| Equity capital to assets | 11.3202% | 2,401 |
| Core capital (leverage) ratio | 10.9171% | 2,470 |
| Tier 1 risk-based capital ratio | 15.7278% | 3,315 |
| Total risk-based capital ratio | 16.9854% | 3,276 |
| Memoranda: | ||
| Average total assets | $42,892,500 | 6,140 |
| Average earning assets | $38,402,000 | 6,151 |
| Average equity | $4,757,000 | 6,059 |
| Average total loans | $27,087,000 | 5,847 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0842% | 3,800 |
| Cost of funding earning assets | 0.4750% | 3,865 |
| Net interest margin | 3.6093% | 3,427 |
| Noninterest income to average assets | 0.2687% | 5,428 |
| Noninterest expense to average assets | 2.4304% | 4,989 |
| Loan and lease loss provision to assets | 0.1104% | 2,963 |
| Net operating income to assets | 0.7773% | 3,405 |
| Return on assets (ROA) | 0.7773% | 3,509 |
| Pretax return on assets | 0.9549% | 3,536 |
| Return on Equity (ROE) | 6.8699% | 3,638 |
| Retained earnings to average equity (ytd only) | 6.8699% | 1,492 |
| Net charge-offs to loans | 0.0079% | 5,296 |
| Credit loss provision to net charge-offs | 2,300.0000% | 105 |
| Earnings coverage of net charge-offs (x) | 222.0000% | 204 |
| Efficiency ratio | 69.5264% | 3,917 |
| Assets per employee ($millions) | 4.4019% | 3,084 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8372% | 1,954 |
| Loan loss allowance to noncurrent loans | 418.0328% | 1,116 |
| Noncurrent assets plus other real estate owned to assets | 0.2772% | 5,428 |
| Noncurrent loans to loans | 0.4395% | 4,907 |
| Net loans and leases to total assets | 61.9051% | 3,379 |
| Net loans and leases to deposits | 72.9487% | 3,405 |
| Net loans and leases to core deposits | 77.1277% | 3,470 |
| Total domestic deposits to total assets | 84.8611% | 3,823 |
| Equity capital to assets | 10.8726% | 2,733 |
| Core capital (leverage) ratio | 11.4336% | 2,010 |
| Tier 1 risk-based capital ratio | 14.9871% | 3,675 |
| Total risk-based capital ratio | 16.2435% | 3,612 |
| Memoranda: | ||
| Average total assets | $41,680,600 | 6,237 |
| Average earning assets | $37,265,200 | 6,242 |
| Average equity | $4,716,200 | 6,139 |
| Average total loans | $25,195,600 | 5,976 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0662% | 3,876 |
| Cost of funding earning assets | 0.4867% | 3,896 |
| Net interest margin | 3.5796% | 3,536 |
| Noninterest income to average assets | 0.2790% | 5,450 |
| Noninterest expense to average assets | 2.0894% | 5,853 |
| Loan and lease loss provision to assets | 0.1200% | 2,793 |
| Net operating income to assets | 0.9636% | 2,527 |
| Return on assets (ROA) | 0.9636% | 2,627 |
| Pretax return on assets | 1.2912% | 2,367 |
| Return on Equity (ROE) | 8.4276% | 2,909 |
| Retained earnings to average equity (ytd only) | 8.4276% | 1,246 |
| Net charge-offs to loans | -0.0054% | 5,791 |
| Credit loss provision to net charge-offs | -3,700.0000% | 6,333 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6849% | 5,476 |
| Assets per employee ($millions) | 3.9849% | 3,864 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9259% | 1,919 |
| Loan loss allowance to noncurrent loans | 281.5642% | 1,453 |
| Noncurrent assets plus other real estate owned to assets | 0.4492% | 5,085 |
| Noncurrent loans to loans | 0.6840% | 4,489 |
| Net loans and leases to total assets | 64.4056% | 2,935 |
| Net loans and leases to deposits | 76.2342% | 2,931 |
| Net loans and leases to core deposits | 81.1105% | 2,989 |
| Total domestic deposits to total assets | 84.4839% | 3,987 |
| Equity capital to assets | 11.9777% | 1,931 |
| Core capital (leverage) ratio | 11.7280% | 1,871 |
| Tier 1 risk-based capital ratio | 15.9236% | 3,239 |
| Total risk-based capital ratio | 17.1806% | 3,182 |
| Memoranda: | ||
| Average total assets | $41,096,000 | 6,329 |
| Average earning assets | $36,986,750 | 6,328 |
| Average equity | $4,698,750 | 6,227 |
| Average total loans | $24,554,500 | 6,061 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0080% | 4,078 |
| Cost of funding earning assets | 0.4915% | 3,975 |
| Net interest margin | 3.5164% | 3,715 |
| Noninterest income to average assets | 0.2987% | 5,317 |
| Noninterest expense to average assets | 2.0283% | 5,993 |
| Loan and lease loss provision to assets | 0.1349% | 2,639 |
| Net operating income to assets | 1.0455% | 2,134 |
| Return on assets (ROA) | 1.0455% | 2,255 |
| Pretax return on assets | 1.2719% | 2,398 |
| Return on Equity (ROE) | 9.2854% | 2,502 |
| Retained earnings to average equity (ytd only) | 9.2854% | 1,033 |
| Net charge-offs to loans | -0.0083% | 5,737 |
| Credit loss provision to net charge-offs | -2,800.0000% | 6,174 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.0463% | 5,597 |
| Assets per employee ($millions) | 3.9916% | 3,823 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9940% | 1,862 |
| Loan loss allowance to noncurrent loans | 313.2911% | 1,348 |
| Noncurrent assets plus other real estate owned to assets | 0.3958% | 5,292 |
| Noncurrent loans to loans | 0.6365% | 4,666 |
| Net loans and leases to total assets | 60.9505% | 3,492 |
| Net loans and leases to deposits | 70.6889% | 3,626 |
| Net loans and leases to core deposits | 75.0872% | 3,662 |
| Total domestic deposits to total assets | 86.2236% | 3,249 |
| Equity capital to assets | 11.6394% | 2,177 |
| Core capital (leverage) ratio | 11.2156% | 2,161 |
| Tier 1 risk-based capital ratio | 16.2181% | 3,079 |
| Total risk-based capital ratio | 17.4744% | 3,021 |
| Memoranda: | ||
| Average total assets | $41,511,670 | 6,360 |
| Average earning assets | $37,026,000 | 6,370 |
| Average equity | $4,674,000 | 6,276 |
| Average total loans | $24,016,330 | 6,123 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9272% | 4,374 |
| Cost of funding earning assets | 0.4922% | 4,157 |
| Net interest margin | 3.4350% | 3,980 |
| Noninterest income to average assets | 0.2647% | 5,566 |
| Noninterest expense to average assets | 1.9286% | 6,236 |
| Loan and lease loss provision to assets | 0.0851% | 3,239 |
| Net operating income to assets | 0.9360% | 2,489 |
| Return on assets (ROA) | 0.9360% | 2,634 |
| Pretax return on assets | 1.2858% | 2,270 |
| Return on Equity (ROE) | 8.4471% | 2,749 |
| Retained earnings to average equity (ytd only) | 8.4471% | 1,585 |
| Net charge-offs to loans | -0.0169% | 5,643 |
| Credit loss provision to net charge-offs | -900.0000% | 5,596 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.4527% | 5,791 |
| Assets per employee ($millions) | 4.2014% | 3,534 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0681% | 1,868 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0024% | 6,648 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 53.6488% | 4,469 |
| Net loans and leases to deposits | 62.1022% | 4,531 |
| Net loans and leases to core deposits | 65.7545% | 4,561 |
| Total domestic deposits to total assets | 86.3879% | 3,305 |
| Equity capital to assets | 11.2391% | 2,691 |
| Core capital (leverage) ratio | 10.5690% | 2,687 |
| Tier 1 risk-based capital ratio | 17.2747% | 2,654 |
| Total risk-based capital ratio | 18.5313% | 2,618 |
| Memoranda: | ||
| Average total assets | $42,309,500 | 6,395 |
| Average earning assets | $37,380,000 | 6,423 |
| Average equity | $4,688,000 | 6,340 |
| Average total loans | $23,612,500 | 6,197 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3164% | 4,137 |
| Cost of funding earning assets | 0.6046% | 4,304 |
| Net interest margin | 3.7118% | 3,598 |
| Noninterest income to average assets | 0.2371% | 5,748 |
| Noninterest expense to average assets | 2.2755% | 5,752 |
| Loan and lease loss provision to assets | 0.0880% | 4,595 |
| Net operating income to assets | 0.9098% | 2,769 |
| Return on assets (ROA) | 0.9777% | 2,661 |
| Pretax return on assets | 1.2954% | 2,426 |
| Return on Equity (ROE) | 8.4828% | 2,873 |
| Retained earnings to average equity (ytd only) | 1.7602% | 4,974 |
| Net charge-offs to loans | -0.1211% | 6,869 |
| Credit loss provision to net charge-offs | -128.5714% | 6,351 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7671% | 4,931 |
| Assets per employee ($millions) | 4.2605% | 3,442 |
| Cash dividends to net income (ytd only)* | 79.2500% | 1,028 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9249% | 2,211 |
| Loan loss allowance to noncurrent loans | 15,533.3333% | 39 |
| Noncurrent assets plus other real estate owned to assets | 0.0211% | 6,614 |
| Noncurrent loans to loans | 0.0124% | 6,519 |
| Net loans and leases to total assets | 55.7282% | 4,339 |
| Net loans and leases to deposits | 64.4525% | 4,486 |
| Net loans and leases to core deposits | 68.1682% | 4,517 |
| Total domestic deposits to total assets | 86.4640% | 3,119 |
| Equity capital to assets | 10.9236% | 3,042 |
| Core capital (leverage) ratio | 10.8479% | 2,392 |
| Tier 1 risk-based capital ratio | 16.1573% | 3,072 |
| Total risk-based capital ratio | 17.4120% | 3,025 |
| Memoranda: | ||
| Average total assets | $40,913,600 | 6,473 |
| Average earning assets | $36,720,400 | 6,481 |
| Average equity | $4,715,400 | 6,379 |
| Average total loans | $23,121,400 | 6,287 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4284% | 3,930 |
| Cost of funding earning assets | 0.6337% | 4,327 |
| Net interest margin | 3.7947% | 3,359 |
| Noninterest income to average assets | 0.2404% | 5,832 |
| Noninterest expense to average assets | 1.9724% | 6,396 |
| Loan and lease loss provision to assets | 0.0889% | 4,494 |
| Net operating income to assets | 1.1525% | 1,894 |
| Return on assets (ROA) | 1.1525% | 2,091 |
| Pretax return on assets | 1.6102% | 1,543 |
| Return on Equity (ROE) | 9.8644% | 2,410 |
| Retained earnings to average equity (ytd only) | 5.4395% | 3,069 |
| Net charge-offs to loans | -0.1867% | 6,977 |
| Credit loss provision to net charge-offs | -84.3750% | 6,225 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.7220% | 6,285 |
| Assets per employee ($millions) | 3.9061% | 4,068 |
| Cash dividends to net income (ytd only)* | 44.8571% | 1,938 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1128% | 1,876 |
| Loan loss allowance to noncurrent loans | 614.6667% | 644 |
| Noncurrent assets plus other real estate owned to assets | 0.2074% | 6,195 |
| Noncurrent loans to loans | 0.3437% | 5,789 |
| Net loans and leases to total assets | 54.6786% | 4,642 |
| Net loans and leases to deposits | 64.6996% | 4,629 |
| Net loans and leases to core deposits | 71.1862% | 4,354 |
| Total domestic deposits to total assets | 84.5114% | 3,975 |
| Equity capital to assets | 12.4011% | 1,964 |
| Core capital (leverage) ratio | 11.3302% | 2,112 |
| Tier 1 risk-based capital ratio | 18.2118% | 2,262 |
| Total risk-based capital ratio | 19.4714% | 2,237 |
| Memoranda: | ||
| Average total assets | $40,490,750 | 6,568 |
| Average earning assets | $36,611,500 | 6,555 |
| Average equity | $4,730,750 | 6,451 |
| Average total loans | $22,849,500 | 6,382 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4581% | 3,946 |
| Cost of funding earning assets | 0.6562% | 4,387 |
| Net interest margin | 3.8019% | 3,350 |
| Noninterest income to average assets | 0.2148% | 6,030 |
| Noninterest expense to average assets | 1.9479% | 6,521 |
| Loan and lease loss provision to assets | 0.0879% | 4,484 |
| Net operating income to assets | 1.1619% | 1,848 |
| Return on assets (ROA) | 1.1619% | 2,045 |
| Pretax return on assets | 1.6013% | 1,545 |
| Return on Equity (ROE) | 10.1428% | 2,297 |
| Retained earnings to average equity (ytd only) | 3.4519% | 4,303 |
| Net charge-offs to loans | -0.2673% | 7,054 |
| Credit loss provision to net charge-offs | -58.0645% | 6,013 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.5570% | 6,358 |
| Assets per employee ($millions) | 4.2717% | 3,309 |
| Cash dividends to net income (ytd only)* | 65.9664% | 1,197 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9322% | 2,437 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0858% | 6,591 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 59.5396% | 3,905 |
| Net loans and leases to deposits | 73.0213% | 3,457 |
| Net loans and leases to core deposits | 77.3468% | 3,607 |
| Total domestic deposits to total assets | 81.5373% | 5,283 |
| Equity capital to assets | 12.2877% | 1,943 |
| Core capital (leverage) ratio | 11.1315% | 2,177 |
| Tier 1 risk-based capital ratio | 16.6951% | 2,808 |
| Total risk-based capital ratio | 17.9498% | 2,759 |
| Memoranda: | ||
| Average total assets | $40,967,330 | 6,593 |
| Average earning assets | $36,876,330 | 6,590 |
| Average equity | $4,693,000 | 6,487 |
| Average total loans | $23,193,000 | 6,408 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4247% | 4,224 |
| Cost of funding earning assets | 0.6930% | 4,340 |
| Net interest margin | 3.7317% | 3,688 |
| Noninterest income to average assets | 0.2084% | 6,134 |
| Noninterest expense to average assets | 1.9039% | 6,640 |
| Loan and lease loss provision to assets | 0.0853% | 4,316 |
| Net operating income to assets | 1.1272% | 1,960 |
| Return on assets (ROA) | 1.1272% | 2,149 |
| Pretax return on assets | 1.5345% | 1,788 |
| Return on Equity (ROE) | 10.1764% | 2,335 |
| Retained earnings to average equity (ytd only) | 10.1764% | 1,220 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.0323% | 6,344 |
| Assets per employee ($millions) | 4.3590% | 3,281 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8113% | 2,958 |
| Loan loss allowance to noncurrent loans | 10,275.0000% | 61 |
| Noncurrent assets plus other real estate owned to assets | 0.1453% | 6,524 |
| Noncurrent loans to loans | 0.0176% | 6,737 |
| Net loans and leases to total assets | 56.7918% | 4,246 |
| Net loans and leases to deposits | 66.7046% | 4,274 |
| Net loans and leases to core deposits | 70.3994% | 4,352 |
| Total domestic deposits to total assets | 85.1393% | 3,964 |
| Equity capital to assets | 12.0593% | 2,000 |
| Core capital (leverage) ratio | 10.8316% | 2,409 |
| Tier 1 risk-based capital ratio | 17.1952% | 2,606 |
| Total risk-based capital ratio | 18.4485% | 2,566 |
| Memoranda: | ||
| Average total assets | $42,228,500 | 6,591 |
| Average earning assets | $37,516,500 | 6,622 |
| Average equity | $4,677,500 | 6,520 |
| Average total loans | $23,119,000 | 6,458 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6637% | 4,406 |
| Cost of funding earning assets | 0.8774% | 4,272 |
| Net interest margin | 3.7863% | 3,898 |
| Noninterest income to average assets | 0.2729% | 5,573 |
| Noninterest expense to average assets | 2.4485% | 5,637 |
| Loan and lease loss provision to assets | 0.1131% | 5,177 |
| Net operating income to assets | 0.8927% | 2,630 |
| Return on assets (ROA) | 0.9047% | 2,709 |
| Pretax return on assets | 1.1210% | 2,758 |
| Return on Equity (ROE) | 8.4361% | 2,698 |
| Retained earnings to average equity (ytd only) | 4.9058% | 2,714 |
| Net charge-offs to loans | -0.0317% | 7,007 |
| Credit loss provision to net charge-offs | -657.1429% | 6,834 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7560% | 4,613 |
| Assets per employee ($millions) | 5.0251% | 2,162 |
| Cash dividends to net income (ytd only)* | 41.8478% | 2,474 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7072% | 3,172 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1592% | 6,547 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 51.1763% | 5,443 |
| Net loans and leases to deposits | 63.1514% | 5,102 |
| Net loans and leases to core deposits | 65.8464% | 5,264 |
| Total domestic deposits to total assets | 81.0375% | 5,432 |
| Equity capital to assets | 10.2242% | 3,880 |
| Core capital (leverage) ratio | 10.5872% | 2,630 |
| Tier 1 risk-based capital ratio | 15.7877% | 3,159 |
| Total risk-based capital ratio | 17.0418% | 3,120 |
| Memoranda: | ||
| Average total assets | $40,677,400 | 6,651 |
| Average earning assets | $36,473,200 | 6,657 |
| Average equity | $4,362,200 | 6,639 |
| Average total loans | $22,084,000 | 6,552 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7052% | 4,435 |
| Cost of funding earning assets | 0.9314% | 4,185 |
| Net interest margin | 3.7738% | 3,994 |
| Noninterest income to average assets | 0.2833% | 5,578 |
| Noninterest expense to average assets | 2.1716% | 6,338 |
| Loan and lease loss provision to assets | 0.1349% | 4,746 |
| Net operating income to assets | 0.9779% | 2,405 |
| Return on assets (ROA) | 0.9779% | 2,566 |
| Pretax return on assets | 1.4061% | 1,927 |
| Return on Equity (ROE) | 8.9989% | 2,600 |
| Retained earnings to average equity (ytd only) | 4.2202% | 3,725 |
| Net charge-offs to loans | -0.0491% | 7,049 |
| Credit loss provision to net charge-offs | -500.0000% | 6,665 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.4923% | 5,937 |
| Assets per employee ($millions) | 4.3880% | 3,094 |
| Cash dividends to net income (ytd only)* | 53.1035% | 1,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7976% | 2,956 |
| Loan loss allowance to noncurrent loans | 19,850.0000% | 25 |
| Noncurrent assets plus other real estate owned to assets | 0.2076% | 6,542 |
| Noncurrent loans to loans | 0.0091% | 6,940 |
| Net loans and leases to total assets | 54.9175% | 5,010 |
| Net loans and leases to deposits | 63.7545% | 5,203 |
| Net loans and leases to core deposits | 66.6954% | 5,342 |
| Total domestic deposits to total assets | 86.1390% | 3,144 |
| Equity capital to assets | 11.4605% | 2,720 |
| Core capital (leverage) ratio | 10.4773% | 2,894 |
| Tier 1 risk-based capital ratio | 16.6520% | 2,784 |
| Total risk-based capital ratio | 17.9070% | 2,749 |
| Memoranda: | ||
| Average total assets | $39,540,250 | 6,749 |
| Average earning assets | $35,931,000 | 6,739 |
| Average equity | $4,296,750 | 6,711 |
| Average total loans | $21,718,250 | 6,634 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6845% | 4,605 |
| Cost of funding earning assets | 0.9771% | 4,111 |
| Net interest margin | 3.7074% | 4,224 |
| Noninterest income to average assets | 0.2831% | 5,618 |
| Noninterest expense to average assets | 2.1640% | 6,474 |
| Loan and lease loss provision to assets | 0.1416% | 4,535 |
| Net operating income to assets | 0.9960% | 2,247 |
| Return on assets (ROA) | 0.9960% | 2,350 |
| Pretax return on assets | 1.3348% | 2,017 |
| Return on Equity (ROE) | 9.3358% | 2,367 |
| Retained earnings to average equity (ytd only) | 2.0378% | 4,960 |
| Net charge-offs to loans | -0.0278% | 6,900 |
| Credit loss provision to net charge-offs | -933.3333% | 6,576 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4444% | 5,953 |
| Assets per employee ($millions) | 4.2839% | 3,191 |
| Cash dividends to net income (ytd only)* | 78.1726% | 830 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7608% | 3,119 |
| Loan loss allowance to noncurrent loans | 475.0000% | 696 |
| Noncurrent assets plus other real estate owned to assets | 0.2075% | 6,593 |
| Noncurrent loans to loans | 0.3707% | 6,164 |
| Net loans and leases to total assets | 54.9890% | 5,151 |
| Net loans and leases to deposits | 63.5331% | 5,337 |
| Net loans and leases to core deposits | 66.5234% | 5,445 |
| Total domestic deposits to total assets | 86.5517% | 3,010 |
| Equity capital to assets | 11.1918% | 2,772 |
| Core capital (leverage) ratio | 10.3928% | 2,836 |
| Tier 1 risk-based capital ratio | 16.8984% | 2,566 |
| Total risk-based capital ratio | 18.1515% | 2,536 |
| Memoranda: | ||
| Average total assets | $39,556,330 | 6,802 |
| Average earning assets | $35,820,330 | 6,807 |
| Average equity | $4,220,330 | 6,771 |
| Average total loans | $21,596,000 | 6,712 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5997% | 4,949 |
| Cost of funding earning assets | 1.0333% | 3,966 |
| Net interest margin | 3.5665% | 4,741 |
| Noninterest income to average assets | 0.2496% | 5,905 |
| Noninterest expense to average assets | 2.1170% | 6,594 |
| Loan and lease loss provision to assets | 0.1398% | 4,260 |
| Net operating income to assets | 0.9087% | 2,519 |
| Return on assets (ROA) | 0.9087% | 2,577 |
| Pretax return on assets | 1.1983% | 2,376 |
| Return on Equity (ROE) | 8.7227% | 2,600 |
| Retained earnings to average equity (ytd only) | 8.7227% | 1,485 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.2717% | 5,798 |
| Assets per employee ($millions) | 4.4841% | 2,916 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7146% | 3,289 |
| Loan loss allowance to noncurrent loans | 427.0588% | 734 |
| Noncurrent assets plus other real estate owned to assets | 0.2106% | 6,639 |
| Noncurrent loans to loans | 0.4015% | 6,192 |
| Net loans and leases to total assets | 51.5598% | 5,637 |
| Net loans and leases to deposits | 58.9362% | 5,838 |
| Net loans and leases to core deposits | 62.4752% | 5,880 |
| Total domestic deposits to total assets | 87.4842% | 2,669 |
| Equity capital to assets | 10.5112% | 3,164 |
| Core capital (leverage) ratio | 10.0097% | 3,133 |
| Tier 1 risk-based capital ratio | 17.1733% | 2,411 |
| Total risk-based capital ratio | 18.4278% | 2,388 |
| Memoranda: | ||
| Average total assets | $40,057,000 | 6,833 |
| Average earning assets | $36,002,000 | 6,844 |
| Average equity | $4,173,000 | 6,818 |
| Average total loans | $21,603,500 | 6,766 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2621% | 3,307 |
| Cost of funding earning assets | 1.2592% | 4,153 |
| Net interest margin | 4.0028% | 3,006 |
| Noninterest income to average assets | 0.3362% | 5,379 |
| Noninterest expense to average assets | 2.5873% | 5,466 |
| Loan and lease loss provision to assets | 0.1433% | 5,751 |
| Net operating income to assets | 0.8817% | 2,461 |
| Return on assets (ROA) | 0.8817% | 2,598 |
| Pretax return on assets | 1.2316% | 2,136 |
| Return on Equity (ROE) | 7.8872% | 2,744 |
| Retained earnings to average equity (ytd only) | 3.5739% | 3,353 |
| Net charge-offs to loans | 0.0184% | 6,629 |
| Credit loss provision to net charge-offs | 1,300.0000% | 173 |
| Earnings coverage of net charge-offs (x) | 124.7500% | 206 |
| Efficiency ratio | 65.2990% | 5,110 |
| Assets per employee ($millions) | 4.4174% | 2,990 |
| Cash dividends to net income (ytd only)* | 54.6875% | 1,859 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5838% | 3,646 |
| Loan loss allowance to noncurrent loans | 387.7778% | 804 |
| Noncurrent assets plus other real estate owned to assets | 0.2264% | 6,665 |
| Noncurrent loans to loans | 0.4084% | 6,227 |
| Net loans and leases to total assets | 54.5489% | 5,566 |
| Net loans and leases to deposits | 62.3674% | 5,810 |
| Net loans and leases to core deposits | 66.1734% | 5,858 |
| Total domestic deposits to total assets | 87.4638% | 2,572 |
| Equity capital to assets | 10.3227% | 3,361 |
| Core capital (leverage) ratio | 10.6381% | 2,428 |
| Tier 1 risk-based capital ratio | 16.1363% | 2,681 |
| Total risk-based capital ratio | 17.3899% | 2,639 |
| Memoranda: | ||
| Average total assets | $36,293,200 | 6,998 |
| Average earning assets | $32,876,800 | 6,985 |
| Average equity | $4,057,200 | 6,979 |
| Average total loans | $21,721,200 | 6,842 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3390% | 3,170 |
| Cost of funding earning assets | 1.2988% | 4,227 |
| Net interest margin | 4.0402% | 2,907 |
| Noninterest income to average assets | 0.3236% | 5,568 |
| Noninterest expense to average assets | 2.3145% | 6,276 |
| Loan and lease loss provision to assets | 0.1505% | 5,534 |
| Net operating income to assets | 1.0914% | 1,917 |
| Return on assets (ROA) | 1.0914% | 2,026 |
| Pretax return on assets | 1.5581% | 1,452 |
| Return on Equity (ROE) | 9.5578% | 2,298 |
| Retained earnings to average equity (ytd only) | 3.7901% | 3,796 |
| Net charge-offs to loans | -0.0370% | 7,430 |
| Credit loss provision to net charge-offs | -666.6667% | 7,046 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.5304% | 6,337 |
| Assets per employee ($millions) | 3.9972% | 3,842 |
| Cash dividends to net income (ytd only)* | 60.3450% | 1,237 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5566% | 3,709 |
| Loan loss allowance to noncurrent loans | 118.8356% | 2,388 |
| Noncurrent assets plus other real estate owned to assets | 0.8117% | 5,473 |
| Noncurrent loans to loans | 1.3099% | 4,674 |
| Net loans and leases to total assets | 61.0007% | 4,717 |
| Net loans and leases to deposits | 71.4169% | 4,926 |
| Net loans and leases to core deposits | 78.4366% | 4,749 |
| Total domestic deposits to total assets | 85.4149% | 3,403 |
| Equity capital to assets | 11.7498% | 2,322 |
| Core capital (leverage) ratio | 11.0898% | 2,197 |
| Tier 1 risk-based capital ratio | 16.0752% | 2,727 |
| Total risk-based capital ratio | 17.3415% | 2,667 |
| Memoranda: | ||
| Average total assets | $35,427,250 | 7,113 |
| Average earning assets | $32,439,500 | 7,084 |
| Average equity | $4,045,500 | 7,073 |
| Average total loans | $21,642,500 | 6,933 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3175% | 3,381 |
| Cost of funding earning assets | 1.3325% | 4,311 |
| Net interest margin | 3.9850% | 3,090 |
| Noninterest income to average assets | 0.3235% | 5,567 |
| Noninterest expense to average assets | 2.2982% | 6,358 |
| Loan and lease loss provision to assets | 0.0908% | 6,016 |
| Net operating income to assets | 1.0839% | 1,909 |
| Return on assets (ROA) | 1.0839% | 1,980 |
| Pretax return on assets | 1.5662% | 1,389 |
| Return on Equity (ROE) | 9.5859% | 2,246 |
| Retained earnings to average equity (ytd only) | 0.8030% | 5,448 |
| Net charge-offs to loans | -0.0280% | 7,339 |
| Credit loss provision to net charge-offs | -533.3333% | 6,829 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.1062% | 6,363 |
| Assets per employee ($millions) | 3.9101% | 3,947 |
| Cash dividends to net income (ytd only)* | 91.6230% | 560 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4621% | 4,110 |
| Loan loss allowance to noncurrent loans | 367.8161% | 813 |
| Noncurrent assets plus other real estate owned to assets | 0.2472% | 6,785 |
| Noncurrent loans to loans | 0.3975% | 6,446 |
| Net loans and leases to total assets | 61.2827% | 4,826 |
| Net loans and leases to deposits | 72.0476% | 4,989 |
| Net loans and leases to core deposits | 79.3363% | 4,769 |
| Total domestic deposits to total assets | 85.0587% | 3,593 |
| Equity capital to assets | 11.4745% | 2,465 |
| Core capital (leverage) ratio | 11.0298% | 2,216 |
| Tier 1 risk-based capital ratio | 15.7212% | 2,796 |
| Total risk-based capital ratio | 16.9706% | 2,759 |
| Memoranda: | ||
| Average total assets | $35,244,670 | 7,170 |
| Average earning assets | $32,120,330 | 7,149 |
| Average equity | $3,985,000 | 7,129 |
| Average total loans | $21,426,000 | 6,995 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2818% | 3,635 |
| Cost of funding earning assets | 1.3142% | 4,729 |
| Net interest margin | 3.9676% | 3,007 |
| Noninterest income to average assets | 0.3289% | 5,511 |
| Noninterest expense to average assets | 2.3475% | 6,259 |
| Loan and lease loss provision to assets | 0.0907% | 5,725 |
| Net operating income to assets | 1.0433% | 2,024 |
| Return on assets (ROA) | 1.0433% | 2,085 |
| Pretax return on assets | 1.4856% | 1,548 |
| Return on Equity (ROE) | 9.2965% | 2,378 |
| Retained earnings to average equity (ytd only) | -8.3870% | 6,857 |
| Net charge-offs to loans | -0.0377% | 7,263 |
| Credit loss provision to net charge-offs | -400.0000% | 6,226 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8266% | 6,209 |
| Assets per employee ($millions) | 3.9012% | 4,093 |
| Cash dividends to net income (ytd only)* | 190.2174% | 219 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4464% | 4,181 |
| Loan loss allowance to noncurrent loans | 135.2174% | 2,065 |
| Noncurrent assets plus other real estate owned to assets | 0.6551% | 5,881 |
| Noncurrent loans to loans | 1.0697% | 5,206 |
| Net loans and leases to total assets | 60.3515% | 5,065 |
| Net loans and leases to deposits | 70.5581% | 5,259 |
| Net loans and leases to core deposits | 78.5921% | 4,950 |
| Total domestic deposits to total assets | 85.5344% | 3,397 |
| Equity capital to assets | 11.1447% | 2,641 |
| Core capital (leverage) ratio | 10.7351% | 2,430 |
| Tier 1 risk-based capital ratio | 15.7486% | 2,755 |
| Total risk-based capital ratio | 17.0000% | 2,699 |
| Memoranda: | ||
| Average total assets | $35,271,500 | 7,262 |
| Average earning assets | $31,958,500 | 7,254 |
| Average equity | $3,958,500 | 7,205 |
| Average total loans | $21,196,000 | 7,089 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5290% | 3,995 |
| Cost of funding earning assets | 1.5221% | 5,425 |
| Net interest margin | 4.0069% | 2,832 |
| Noninterest income to average assets | 0.3362% | 5,688 |
| Noninterest expense to average assets | 2.5834% | 5,848 |
| Loan and lease loss provision to assets | 0.4397% | 4,194 |
| Net operating income to assets | 0.7500% | 2,723 |
| Return on assets (ROA) | 0.7500% | 2,814 |
| Pretax return on assets | 0.9972% | 2,604 |
| Return on Equity (ROE) | 6.6514% | 2,928 |
| Retained earnings to average equity (ytd only) | 2.7778% | 3,217 |
| Net charge-offs to loans | 0.7494% | 2,952 |
| Credit loss provision to net charge-offs | 98.7097% | 5,646 |
| Earnings coverage of net charge-offs (x) | 3.2258% | 3,441 |
| Efficiency ratio | 64.2602% | 5,730 |
| Assets per employee ($millions) | 3.9369% | 3,939 |
| Cash dividends to net income (ytd only)* | 58.2375% | 2,080 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4408% | 4,026 |
| Loan loss allowance to noncurrent loans | 164.4809% | 1,772 |
| Noncurrent assets plus other real estate owned to assets | 0.5165% | 6,161 |
| Noncurrent loans to loans | 0.8760% | 5,550 |
| Net loans and leases to total assets | 58.1113% | 5,650 |
| Net loans and leases to deposits | 68.0189% | 5,825 |
| Net loans and leases to core deposits | 78.5189% | 6,222 |
| Total domestic deposits to total assets | 85.4341% | 3,332 |
| Equity capital to assets | 11.3005% | 2,463 |
| Core capital (leverage) ratio | 11.0275% | 2,213 |
| Tier 1 risk-based capital ratio | 16.1258% | 2,464 |
| Total risk-based capital ratio | 17.3797% | 2,395 |
| Memoranda: | ||
| Average total assets | $34,798,600 | 7,290 |
| Average earning assets | $31,995,200 | 7,260 |
| Average equity | $3,924,000 | 7,318 |
| Average total loans | $20,682,600 | 7,156 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5565% | 4,112 |
| Cost of funding earning assets | 1.5703% | 5,540 |
| Net interest margin | 3.9862% | 2,871 |
| Noninterest income to average assets | 0.3272% | 5,869 |
| Noninterest expense to average assets | 2.3710% | 6,504 |
| Loan and lease loss provision to assets | 0.3618% | 4,155 |
| Net operating income to assets | 0.9238% | 2,330 |
| Return on assets (ROA) | 0.9238% | 2,404 |
| Pretax return on assets | 1.2778% | 2,014 |
| Return on Equity (ROE) | 8.1965% | 2,560 |
| Retained earnings to average equity (ytd only) | 3.0054% | 3,648 |
| Net charge-offs to loans | 0.6333% | 2,783 |
| Credit loss provision to net charge-offs | 95.9184% | 5,305 |
| Earnings coverage of net charge-offs (x) | 4.3471% | 3,168 |
| Efficiency ratio | 59.1171% | 6,546 |
| Assets per employee ($millions) | 3.7478% | 4,317 |
| Cash dividends to net income (ytd only)* | 63.3332% | 1,473 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4325% | 3,771 |
| Loan loss allowance to noncurrent loans | 122.0408% | 2,334 |
| Noncurrent assets plus other real estate owned to assets | 0.7264% | 5,681 |
| Noncurrent loans to loans | 1.1738% | 4,981 |
| Net loans and leases to total assets | 60.9961% | 5,426 |
| Net loans and leases to deposits | 73.6575% | 5,414 |
| Net loans and leases to core deposits | 82.6398% | 6,143 |
| Total domestic deposits to total assets | 82.8106% | 4,316 |
| Equity capital to assets | 11.9093% | 2,289 |
| Core capital (leverage) ratio | 11.3660% | 2,142 |
| Tier 1 risk-based capital ratio | 16.3684% | 2,485 |
| Total risk-based capital ratio | 17.6183% | 2,428 |
| Memoranda: | ||
| Average total assets | $34,640,250 | 7,355 |
| Average earning assets | $32,009,500 | 7,327 |
| Average equity | $3,904,000 | 7,385 |
| Average total loans | $20,630,500 | 7,222 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5709% | 4,211 |
| Cost of funding earning assets | 1.6334% | 5,588 |
| Net interest margin | 3.9375% | 2,935 |
| Noninterest income to average assets | 0.2919% | 6,187 |
| Noninterest expense to average assets | 2.3581% | 6,600 |
| Loan and lease loss provision to assets | 0.2232% | 4,803 |
| Net operating income to assets | 0.9100% | 2,417 |
| Return on assets (ROA) | 0.9100% | 2,516 |
| Pretax return on assets | 1.3393% | 1,905 |
| Return on Equity (ROE) | 8.2249% | 2,679 |
| Retained earnings to average equity (ytd only) | 0.3621% | 5,075 |
| Net charge-offs to loans | -0.0097% | 7,604 |
| Credit loss provision to net charge-offs | -3,900.0000% | 7,219 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1460% | 6,528 |
| Assets per employee ($millions) | 3.7993% | 4,096 |
| Cash dividends to net income (ytd only)* | 95.5975% | 788 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6015% | 2,733 |
| Loan loss allowance to noncurrent loans | 89.0909% | 3,199 |
| Noncurrent assets plus other real estate owned to assets | 1.1259% | 4,700 |
| Noncurrent loans to loans | 1.7976% | 3,803 |
| Net loans and leases to total assets | 61.6307% | 5,419 |
| Net loans and leases to deposits | 73.7188% | 5,492 |
| Net loans and leases to core deposits | 82.0255% | 6,239 |
| Total domestic deposits to total assets | 83.6024% | 3,968 |
| Equity capital to assets | 11.2564% | 2,709 |
| Core capital (leverage) ratio | 11.0765% | 2,346 |
| Tier 1 risk-based capital ratio | 15.7120% | 2,724 |
| Total risk-based capital ratio | 16.9626% | 2,661 |
| Memoranda: | ||
| Average total assets | $34,943,670 | 7,408 |
| Average earning assets | $32,203,000 | 7,388 |
| Average equity | $3,866,330 | 7,456 |
| Average total loans | $20,549,670 | 7,297 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5370% | 4,715 |
| Cost of funding earning assets | 1.7065% | 5,571 |
| Net interest margin | 3.8305% | 3,336 |
| Noninterest income to average assets | 0.2718% | 6,255 |
| Noninterest expense to average assets | 2.2878% | 6,577 |
| Loan and lease loss provision to assets | 0.2831% | 3,693 |
| Net operating income to assets | 0.9060% | 2,679 |
| Return on assets (ROA) | 0.9060% | 2,828 |
| Pretax return on assets | 1.2345% | 2,498 |
| Return on Equity (ROE) | 8.2581% | 3,035 |
| Retained earnings to average equity (ytd only) | 8.2581% | 1,723 |
| Net charge-offs to loans | -0.0597% | 7,749 |
| Credit loss provision to net charge-offs | -833.3333% | 6,496 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1190% | 6,388 |
| Assets per employee ($millions) | 3.8520% | 3,975 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6405% | 2,353 |
| Loan loss allowance to noncurrent loans | 106.0897% | 2,898 |
| Noncurrent assets plus other real estate owned to assets | 0.9000% | 4,933 |
| Noncurrent loans to loans | 1.5463% | 3,958 |
| Net loans and leases to total assets | 57.2459% | 6,062 |
| Net loans and leases to deposits | 67.0111% | 6,273 |
| Net loans and leases to core deposits | 75.8089% | 6,687 |
| Total domestic deposits to total assets | 85.4275% | 3,003 |
| Equity capital to assets | 11.2871% | 2,735 |
| Core capital (leverage) ratio | 10.7553% | 2,693 |
| Tier 1 risk-based capital ratio | 16.7051% | 2,445 |
| Total risk-based capital ratio | 17.9573% | 2,375 |
| Memoranda: | ||
| Average total assets | $35,318,500 | 7,432 |
| Average earning assets | $32,581,000 | 7,416 |
| Average equity | $3,875,000 | 7,497 |
| Average total loans | $20,116,000 | 7,356 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1675% | 4,681 |
| Cost of funding earning assets | 2.1948% | 5,623 |
| Net interest margin | 3.9727% | 3,257 |
| Noninterest income to average assets | 0.3675% | 5,765 |
| Noninterest expense to average assets | 2.5310% | 5,887 |
| Loan and lease loss provision to assets | 0.1423% | 5,535 |
| Net operating income to assets | 0.9158% | 2,938 |
| Return on assets (ROA) | 0.9158% | 2,785 |
| Pretax return on assets | 1.3366% | 2,181 |
| Return on Equity (ROE) | 8.0490% | 3,054 |
| Retained earnings to average equity (ytd only) | -3.9333% | 6,312 |
| Net charge-offs to loans | 0.9101% | 1,363 |
| Credit loss provision to net charge-offs | 25.9459% | 6,554 |
| Earnings coverage of net charge-offs (x) | 2.6973% | 4,731 |
| Efficiency ratio | 63.1190% | 5,757 |
| Assets per employee ($millions) | 3.9966% | 3,520 |
| Cash dividends to net income (ytd only)* | 148.8673% | 478 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5108% | 2,619 |
| Loan loss allowance to noncurrent loans | 77.8920% | 4,207 |
| Noncurrent assets plus other real estate owned to assets | 1.0815% | 4,130 |
| Noncurrent loans to loans | 1.9397% | 2,847 |
| Net loans and leases to total assets | 54.9140% | 6,555 |
| Net loans and leases to deposits | 63.7387% | 6,826 |
| Net loans and leases to core deposits | 71.1758% | 7,122 |
| Total domestic deposits to total assets | 86.1547% | 2,335 |
| Equity capital to assets | 10.6675% | 3,323 |
| Core capital (leverage) ratio | 10.9920% | 2,597 |
| Tier 1 risk-based capital ratio | 16.1640% | 2,600 |
| Total risk-based capital ratio | 17.4143% | 2,536 |
| Memoranda: | ||
| Average total assets | $33,741,800 | 7,476 |
| Average earning assets | $30,936,400 | 7,465 |
| Average equity | $3,839,000 | 7,565 |
| Average total loans | $20,326,400 | 7,312 |