Home > State Bank of Eagle Butte > Performance and Condition Ratios
State Bank of Eagle Butte, 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 | 6.5856% | 632 |
| Cost of funding earning assets | 0.5879% | 4,276 |
| Net interest margin | 5.9977% | 110 |
| Noninterest income to average assets | 1.1600% | 473 |
| Noninterest expense to average assets | 4.8556% | 251 |
| Loan and lease loss provision to assets | 0.4600% | 231 |
| Net operating income to assets | 1.1674% | 1,577 |
| Return on assets (ROA) | 1.1674% | 1,580 |
| Pretax return on assets | 1.5583% | 1,182 |
| Return on Equity (ROE) | 12.4200% | 1,509 |
| Retained earnings to average equity (ytd only) | 9.0062% | 796 |
| Net charge-offs to loans | 0.9531% | 159 |
| Credit loss provision to net charge-offs | 118.6851% | 1,681 |
| Earnings coverage of net charge-offs (x) | 5.1869% | 2,601 |
| Efficiency ratio | 70.6136% | 1,914 |
| Assets per employee ($millions) | 4.1258% | 4,050 |
| Cash dividends to net income (ytd only)* | 27.4827% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9202% | 158 |
| Loan loss allowance to noncurrent loans | 98.2143% | 2,991 |
| Noncurrent assets plus other real estate owned to assets | 1.1430% | 571 |
| Noncurrent loans to loans | 2.9733% | 193 |
| Net loans and leases to total assets | 37.3200% | 4,078 |
| Net loans and leases to deposits | 41.2909% | 4,126 |
| Net loans and leases to core deposits | 44.3043% | 4,127 |
| Total domestic deposits to total assets | 90.3800% | 697 |
| Equity capital to assets | 9.1185% | 2,736 |
| Core capital (leverage) ratio | 11.1643% | 1,875 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.3333% | 505 |
| Memoranda: | ||
| Average total assets | $74,182,000 | 4,006 |
| Average earning assets | $70,760,600 | 3,965 |
| Average equity | $6,973,000 | 4,053 |
| Average total loans | $30,322,000 | 4,090 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5344% | 657 |
| Cost of funding earning assets | 0.6055% | 4,304 |
| Net interest margin | 5.9288% | 119 |
| Noninterest income to average assets | 1.1800% | 459 |
| Noninterest expense to average assets | 5.0083% | 233 |
| Loan and lease loss provision to assets | 0.6200% | 123 |
| Net operating income to assets | 0.9499% | 2,214 |
| Return on assets (ROA) | 0.9499% | 2,222 |
| Pretax return on assets | 1.1960% | 1,988 |
| Return on Equity (ROE) | 10.0200% | 2,195 |
| Retained earnings to average equity (ytd only) | 10.0249% | 854 |
| Net charge-offs to loans | 0.7859% | 178 |
| Credit loss provision to net charge-offs | 188.8268% | 1,126 |
| Earnings coverage of net charge-offs (x) | 5.5531% | 2,364 |
| Efficiency ratio | 73.4296% | 1,654 |
| Assets per employee ($millions) | 3.8037% | 4,177 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0923% | 142 |
| Loan loss allowance to noncurrent loans | 92.4883% | 3,098 |
| Noncurrent assets plus other real estate owned to assets | 1.4000% | 396 |
| Noncurrent loans to loans | 3.3435% | 155 |
| Net loans and leases to total assets | 40.5800% | 4,006 |
| Net loans and leases to deposits | 45.4858% | 4,073 |
| Net loans and leases to core deposits | 48.9564% | 4,069 |
| Total domestic deposits to total assets | 89.2100% | 827 |
| Equity capital to assets | 10.0588% | 2,255 |
| Core capital (leverage) ratio | 11.6934% | 1,622 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.7987% | 547 |
| Memoranda: | ||
| Average total assets | $73,130,000 | 4,036 |
| Average earning assets | $69,579,000 | 3,999 |
| Average equity | $6,929,250 | 4,077 |
| Average total loans | $30,368,750 | 4,110 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3807% | 733 |
| Cost of funding earning assets | 0.6389% | 4,289 |
| Net interest margin | 5.7417% | 150 |
| Noninterest income to average assets | 1.1700% | 468 |
| Noninterest expense to average assets | 5.0839% | 226 |
| Loan and lease loss provision to assets | 0.5200% | 161 |
| Net operating income to assets | 0.8261% | 2,543 |
| Return on assets (ROA) | 0.8261% | 2,554 |
| Pretax return on assets | 1.0201% | 2,419 |
| Return on Equity (ROE) | 8.9100% | 2,478 |
| Retained earnings to average equity (ytd only) | 8.9110% | 1,121 |
| Net charge-offs to loans | 0.7297% | 178 |
| Credit loss provision to net charge-offs | 172.4771% | 1,113 |
| Earnings coverage of net charge-offs (x) | 5.1009% | 2,231 |
| Efficiency ratio | 76.7364% | 1,394 |
| Assets per employee ($millions) | 3.4499% | 4,267 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9576% | 156 |
| Loan loss allowance to noncurrent loans | 116.1538% | 2,942 |
| Noncurrent assets plus other real estate owned to assets | 1.1305% | 503 |
| Noncurrent loans to loans | 2.5463% | 251 |
| Net loans and leases to total assets | 43.0800% | 3,941 |
| Net loans and leases to deposits | 48.1308% | 4,012 |
| Net loans and leases to core deposits | 52.1902% | 4,000 |
| Total domestic deposits to total assets | 89.5100% | 844 |
| Equity capital to assets | 9.8814% | 2,150 |
| Core capital (leverage) ratio | 11.8831% | 1,510 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.3719% | 514 |
| Memoranda: | ||
| Average total assets | $72,149,000 | 4,062 |
| Average earning assets | $68,551,000 | 4,026 |
| Average equity | $6,688,333 | 4,103 |
| Average total loans | $29,874,000 | 4,132 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3081% | 735 |
| Cost of funding earning assets | 0.6889% | 4,252 |
| Net interest margin | 5.6192% | 167 |
| Noninterest income to average assets | 1.0400% | 522 |
| Noninterest expense to average assets | 4.8017% | 249 |
| Loan and lease loss provision to assets | 0.6000% | 131 |
| Net operating income to assets | 0.8084% | 2,516 |
| Return on assets (ROA) | 0.8084% | 2,532 |
| Pretax return on assets | 0.9983% | 2,378 |
| Return on Equity (ROE) | 9.0000% | 2,389 |
| Retained earnings to average equity (ytd only) | 8.9983% | 1,317 |
| Net charge-offs to loans | 0.5560% | 173 |
| Credit loss provision to net charge-offs | 268.2927% | 704 |
| Earnings coverage of net charge-offs (x) | 7.1707% | 1,784 |
| Efficiency ratio | 75.0636% | 1,633 |
| Assets per employee ($millions) | 3.3413% | 4,316 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9587% | 129 |
| Loan loss allowance to noncurrent loans | 97.4973% | 3,156 |
| Noncurrent assets plus other real estate owned to assets | 1.3752% | 344 |
| Noncurrent loans to loans | 3.0346% | 166 |
| Net loans and leases to total assets | 43.9800% | 3,894 |
| Net loans and leases to deposits | 49.1742% | 3,948 |
| Net loans and leases to core deposits | 49.8372% | 4,080 |
| Total domestic deposits to total assets | 89.4300% | 980 |
| Equity capital to assets | 9.9948% | 2,021 |
| Core capital (leverage) ratio | 11.3866% | 1,717 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.7410% | 504 |
| Memoranda: | ||
| Average total assets | $73,724,500 | 4,072 |
| Average earning assets | $70,259,000 | 4,029 |
| Average equity | $6,623,500 | 4,129 |
| Average total loans | $29,494,500 | 4,159 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0348% | 607 |
| Cost of funding earning assets | 0.5897% | 4,083 |
| Net interest margin | 5.4451% | 196 |
| Noninterest income to average assets | 0.9800% | 657 |
| Noninterest expense to average assets | 4.6070% | 274 |
| Loan and lease loss provision to assets | 0.5300% | 165 |
| Net operating income to assets | 1.0206% | 2,151 |
| Return on assets (ROA) | 1.0206% | 2,132 |
| Pretax return on assets | 1.0206% | 2,613 |
| Return on Equity (ROE) | 13.4400% | 1,620 |
| Retained earnings to average equity (ytd only) | 11.0216% | 788 |
| Net charge-offs to loans | 1.2427% | 76 |
| Credit loss provision to net charge-offs | 112.6722% | 1,740 |
| Earnings coverage of net charge-offs (x) | 3.3140% | 2,647 |
| Efficiency ratio | 74.8694% | 1,361 |
| Assets per employee ($millions) | 4.0312% | 4,155 |
| Cash dividends to net income (ytd only)* | 18.0101% | 3,003 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8810% | 128 |
| Loan loss allowance to noncurrent loans | 88.9247% | 3,317 |
| Noncurrent assets plus other real estate owned to assets | 1.1535% | 389 |
| Noncurrent loans to loans | 3.2399% | 129 |
| Net loans and leases to total assets | 34.5800% | 4,197 |
| Net loans and leases to deposits | 37.7930% | 4,245 |
| Net loans and leases to core deposits | 38.0307% | 4,317 |
| Total domestic deposits to total assets | 91.4900% | 394 |
| Equity capital to assets | 8.1465% | 3,316 |
| Core capital (leverage) ratio | 10.2284% | 2,573 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.5235% | 571 |
| Memoranda: | ||
| Average total assets | $77,795,400 | 4,033 |
| Average earning assets | $73,938,400 | 3,990 |
| Average equity | $5,906,600 | 4,169 |
| Average total loans | $29,211,400 | 4,151 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8151% | 671 |
| Cost of funding earning assets | 0.5689% | 4,031 |
| Net interest margin | 5.2462% | 243 |
| Noninterest income to average assets | 0.9900% | 655 |
| Noninterest expense to average assets | 4.1873% | 320 |
| Loan and lease loss provision to assets | 0.5200% | 151 |
| Net operating income to assets | 0.9980% | 2,367 |
| Return on assets (ROA) | 0.9980% | 2,357 |
| Pretax return on assets | 1.2591% | 2,149 |
| Return on Equity (ROE) | 13.4000% | 1,822 |
| Retained earnings to average equity (ytd only) | 13.3998% | 758 |
| Net charge-offs to loans | 1.1134% | 84 |
| Credit loss provision to net charge-offs | 123.6735% | 1,457 |
| Earnings coverage of net charge-offs (x) | 4.2082% | 2,410 |
| Efficiency ratio | 70.1333% | 1,770 |
| Assets per employee ($millions) | 4.1454% | 4,101 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7330% | 158 |
| Loan loss allowance to noncurrent loans | 95.4494% | 3,247 |
| Noncurrent assets plus other real estate owned to assets | 1.1160% | 419 |
| Noncurrent loans to loans | 2.8633% | 149 |
| Net loans and leases to total assets | 37.9100% | 4,130 |
| Net loans and leases to deposits | 41.0961% | 4,181 |
| Net loans and leases to core deposits | 41.3556% | 4,232 |
| Total domestic deposits to total assets | 92.2500% | 406 |
| Equity capital to assets | 7.2814% | 3,475 |
| Core capital (leverage) ratio | 10.1748% | 2,654 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.6294% | 649 |
| Memoranda: | ||
| Average total assets | $77,088,250 | 4,059 |
| Average earning assets | $73,117,750 | 4,016 |
| Average equity | $5,741,250 | 4,197 |
| Average total loans | $29,338,000 | 4,166 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7626% | 583 |
| Cost of funding earning assets | 0.7341% | 3,394 |
| Net interest margin | 5.0286% | 301 |
| Noninterest income to average assets | 1.0000% | 566 |
| Noninterest expense to average assets | 3.9984% | 340 |
| Loan and lease loss provision to assets | 0.4000% | 206 |
| Net operating income to assets | 1.1629% | 1,942 |
| Return on assets (ROA) | 1.1629% | 1,936 |
| Pretax return on assets | 1.3851% | 1,852 |
| Return on Equity (ROE) | 15.5000% | 1,363 |
| Retained earnings to average equity (ytd only) | 15.4962% | 518 |
| Net charge-offs to loans | 0.9140% | 95 |
| Credit loss provision to net charge-offs | 115.9091% | 1,345 |
| Earnings coverage of net charge-offs (x) | 5.1742% | 2,184 |
| Efficiency ratio | 69.1369% | 1,852 |
| Assets per employee ($millions) | 4.1784% | 4,106 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7090% | 172 |
| Loan loss allowance to noncurrent loans | 77.7886% | 3,447 |
| Noncurrent assets plus other real estate owned to assets | 1.3708% | 273 |
| Noncurrent loans to loans | 3.4825% | 111 |
| Net loans and leases to total assets | 38.3000% | 4,101 |
| Net loans and leases to deposits | 41.7108% | 4,167 |
| Net loans and leases to core deposits | 42.4823% | 4,202 |
| Total domestic deposits to total assets | 91.8100% | 453 |
| Equity capital to assets | 7.9788% | 3,233 |
| Core capital (leverage) ratio | 10.1002% | 2,657 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.0226% | 636 |
| Memoranda: | ||
| Average total assets | $76,530,333 | 4,084 |
| Average earning assets | $72,744,333 | 4,042 |
| Average equity | $5,743,333 | 4,225 |
| Average total loans | $28,884,333 | 4,182 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3815% | 746 |
| Cost of funding earning assets | 0.4788% | 3,760 |
| Net interest margin | 4.9027% | 327 |
| Noninterest income to average assets | 1.0100% | 565 |
| Noninterest expense to average assets | 4.2130% | 319 |
| Loan and lease loss provision to assets | 0.0500% | 1,764 |
| Net operating income to assets | 1.1919% | 1,953 |
| Return on assets (ROA) | 1.1919% | 1,914 |
| Pretax return on assets | 1.4147% | 1,853 |
| Return on Equity (ROE) | 16.3900% | 1,284 |
| Retained earnings to average equity (ytd only) | 16.3861% | 653 |
| Net charge-offs to loans | 0.2384% | 318 |
| Credit loss provision to net charge-offs | 58.8235% | 1,284 |
| Earnings coverage of net charge-offs (x) | 16.6471% | 1,513 |
| Efficiency ratio | 74.1788% | 1,324 |
| Assets per employee ($millions) | 4.2965% | 4,127 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7363% | 167 |
| Loan loss allowance to noncurrent loans | 80.7933% | 3,481 |
| Noncurrent assets plus other real estate owned to assets | 1.1735% | 314 |
| Noncurrent loans to loans | 3.3868% | 120 |
| Net loans and leases to total assets | 33.7000% | 4,271 |
| Net loans and leases to deposits | 36.4504% | 4,320 |
| Net loans and leases to core deposits | 38.8994% | 4,296 |
| Total domestic deposits to total assets | 92.4600% | 413 |
| Equity capital to assets | 7.1540% | 3,759 |
| Core capital (leverage) ratio | 9.9418% | 2,748 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.7070% | 686 |
| Memoranda: | ||
| Average total assets | $77,189,500 | 4,136 |
| Average earning assets | $73,510,500 | 4,091 |
| Average equity | $5,614,500 | 4,290 |
| Average total loans | $28,524,000 | 4,250 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7100% | 504 |
| Cost of funding earning assets | 0.2787% | 3,054 |
| Net interest margin | 4.4313% | 333 |
| Noninterest income to average assets | 0.9700% | 682 |
| Noninterest expense to average assets | 3.5624% | 466 |
| Loan and lease loss provision to assets | 0.6600% | 80 |
| Net operating income to assets | 0.7202% | 3,563 |
| Return on assets (ROA) | 0.7202% | 3,504 |
| Pretax return on assets | 0.9373% | 3,252 |
| Return on Equity (ROE) | 9.3900% | 2,997 |
| Retained earnings to average equity (ytd only) | 9.3949% | 1,360 |
| Net charge-offs to loans | 1.7876% | 37 |
| Credit loss provision to net charge-offs | 92.2078% | 1,623 |
| Earnings coverage of net charge-offs (x) | 2.2356% | 2,514 |
| Efficiency ratio | 69.0708% | 1,816 |
| Assets per employee ($millions) | 3.8287% | 4,339 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6911% | 174 |
| Loan loss allowance to noncurrent loans | 62.2186% | 3,609 |
| Noncurrent assets plus other real estate owned to assets | 1.7101% | 165 |
| Noncurrent loans to loans | 4.3252% | 78 |
| Net loans and leases to total assets | 38.4700% | 4,127 |
| Net loans and leases to deposits | 41.7625% | 4,187 |
| Net loans and leases to core deposits | 44.9476% | 4,150 |
| Total domestic deposits to total assets | 92.1200% | 609 |
| Equity capital to assets | 7.4080% | 3,429 |
| Core capital (leverage) ratio | 10.2239% | 2,439 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.1260% | 621 |
| Memoranda: | ||
| Average total assets | $75,539,400 | 4,175 |
| Average earning assets | $71,401,600 | 4,141 |
| Average equity | $5,790,400 | 4,354 |
| Average total loans | $30,152,400 | 4,240 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5818% | 437 |
| Cost of funding earning assets | 0.2500% | 2,707 |
| Net interest margin | 4.3318% | 318 |
| Noninterest income to average assets | 0.9800% | 698 |
| Noninterest expense to average assets | 3.5834% | 455 |
| Loan and lease loss provision to assets | 0.6100% | 81 |
| Net operating income to assets | 0.7433% | 3,441 |
| Return on assets (ROA) | 0.7433% | 3,389 |
| Pretax return on assets | 0.8814% | 3,376 |
| Return on Equity (ROE) | 9.6200% | 2,841 |
| Retained earnings to average equity (ytd only) | 9.6194% | 1,455 |
| Net charge-offs to loans | 1.4776% | 37 |
| Credit loss provision to net charge-offs | 102.6627% | 1,303 |
| Earnings coverage of net charge-offs (x) | 2.5178% | 2,242 |
| Efficiency ratio | 70.6552% | 1,689 |
| Assets per employee ($millions) | 4.0732% | 4,289 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6337% | 203 |
| Loan loss allowance to noncurrent loans | 91.1700% | 3,442 |
| Noncurrent assets plus other real estate owned to assets | 1.2357% | 320 |
| Noncurrent loans to loans | 2.8888% | 166 |
| Net loans and leases to total assets | 41.6500% | 4,001 |
| Net loans and leases to deposits | 44.7638% | 4,081 |
| Net loans and leases to core deposits | 46.2871% | 4,093 |
| Total domestic deposits to total assets | 93.0500% | 567 |
| Equity capital to assets | 6.5251% | 3,727 |
| Core capital (leverage) ratio | 10.1819% | 2,378 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.2094% | 830 |
| Memoranda: | ||
| Average total assets | $76,237,750 | 4,196 |
| Average earning assets | $71,993,000 | 4,165 |
| Average equity | $5,890,750 | 4,380 |
| Average total loans | $30,500,000 | 4,260 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3470% | 484 |
| Cost of funding earning assets | 0.2503% | 2,264 |
| Net interest margin | 4.0967% | 405 |
| Noninterest income to average assets | 0.9351% | 779 |
| Noninterest expense to average assets | 3.5772% | 408 |
| Loan and lease loss provision to assets | 0.6657% | 73 |
| Net operating income to assets | 0.5932% | 3,643 |
| Return on assets (ROA) | 0.4663% | 3,924 |
| Pretax return on assets | 0.4663% | 4,050 |
| Return on Equity (ROE) | 5.7511% | 3,641 |
| Retained earnings to average equity (ytd only) | 5.7511% | 2,417 |
| Net charge-offs to loans | 1.8866% | 31 |
| Credit loss provision to net charge-offs | 90.1754% | 1,341 |
| Earnings coverage of net charge-offs (x) | 1.7053% | 2,056 |
| Efficiency ratio | 73.9689% | 1,510 |
| Assets per employee ($millions) | 3.8506% | 4,432 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5847% | 227 |
| Loan loss allowance to noncurrent loans | 78.0971% | 3,566 |
| Noncurrent assets plus other real estate owned to assets | 1.3792% | 279 |
| Noncurrent loans to loans | 3.3096% | 145 |
| Net loans and leases to total assets | 40.5940% | 4,049 |
| Net loans and leases to deposits | 44.0390% | 4,115 |
| Net loans and leases to core deposits | 47.1473% | 4,075 |
| Total domestic deposits to total assets | 92.1775% | 771 |
| Equity capital to assets | 7.4903% | 3,488 |
| Core capital (leverage) ratio | 9.3046% | 3,126 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.3512% | 806 |
| Memoranda: | ||
| Average total assets | $77,211,333 | 4,232 |
| Average earning assets | $73,522,333 | 4,198 |
| Average equity | $6,259,667 | 4,389 |
| Average total loans | $30,212,333 | 4,310 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0900% | 651 |
| Cost of funding earning assets | 0.2579% | 2,068 |
| Net interest margin | 3.8321% | 599 |
| Noninterest income to average assets | 0.9339% | 788 |
| Noninterest expense to average assets | 3.4883% | 420 |
| Loan and lease loss provision to assets | 0.6815% | 64 |
| Net operating income to assets | 0.3079% | 4,130 |
| Return on assets (ROA) | 0.3079% | 4,098 |
| Pretax return on assets | 0.4392% | 3,969 |
| Return on Equity (ROE) | 3.6694% | 3,956 |
| Retained earnings to average equity (ytd only) | 3.6694% | 3,050 |
| Net charge-offs to loans | 1.9019% | 39 |
| Credit loss provision to net charge-offs | 94.4056% | 1,063 |
| Earnings coverage of net charge-offs (x) | 1.5524% | 1,735 |
| Efficiency ratio | 75.6846% | 1,566 |
| Assets per employee ($millions) | 4.1050% | 4,358 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6911% | 226 |
| Loan loss allowance to noncurrent loans | 80.4175% | 3,559 |
| Noncurrent assets plus other real estate owned to assets | 1.2898% | 321 |
| Noncurrent loans to loans | 3.3464% | 141 |
| Net loans and leases to total assets | 37.5063% | 4,137 |
| Net loans and leases to deposits | 40.7918% | 4,222 |
| Net loans and leases to core deposits | 45.2784% | 4,104 |
| Total domestic deposits to total assets | 91.9456% | 594 |
| Equity capital to assets | 7.7056% | 3,796 |
| Core capital (leverage) ratio | 8.7415% | 3,626 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3242% | 997 |
| Memoranda: | ||
| Average total assets | $79,236,500 | 4,233 |
| Average earning assets | $75,990,000 | 4,189 |
| Average equity | $6,649,500 | 4,395 |
| Average total loans | $30,075,000 | 4,325 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9336% | 1,533 |
| Cost of funding earning assets | 0.4274% | 1,346 |
| Net interest margin | 3.5062% | 1,712 |
| Noninterest income to average assets | 1.1727% | 771 |
| Noninterest expense to average assets | 3.3588% | 580 |
| Loan and lease loss provision to assets | 0.6055% | 86 |
| Net operating income to assets | 0.4602% | 4,162 |
| Return on assets (ROA) | 0.4602% | 4,209 |
| Pretax return on assets | 0.5741% | 4,147 |
| Return on Equity (ROE) | 5.4233% | 3,902 |
| Retained earnings to average equity (ytd only) | 5.4233% | 2,606 |
| Net charge-offs to loans | 2.0255% | 20 |
| Credit loss provision to net charge-offs | 80.1538% | 1,951 |
| Earnings coverage of net charge-offs (x) | 1.5615% | 2,612 |
| Efficiency ratio | 74.0077% | 1,302 |
| Assets per employee ($millions) | 4.2357% | 4,310 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7120% | 211 |
| Loan loss allowance to noncurrent loans | 86.2579% | 3,538 |
| Noncurrent assets plus other real estate owned to assets | 1.1755% | 427 |
| Noncurrent loans to loans | 3.1441% | 180 |
| Net loans and leases to total assets | 36.3727% | 4,266 |
| Net loans and leases to deposits | 40.1514% | 4,334 |
| Net loans and leases to core deposits | 44.4856% | 4,249 |
| Total domestic deposits to total assets | 90.5887% | 679 |
| Equity capital to assets | 9.0571% | 3,558 |
| Core capital (leverage) ratio | 8.1139% | 4,275 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1417% | 1,017 |
| Memoranda: | ||
| Average total assets | $86,041,600 | 4,143 |
| Average earning assets | $82,596,200 | 4,096 |
| Average equity | $7,301,800 | 4,395 |
| Average total loans | $32,090,600 | 4,335 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8953% | 1,779 |
| Cost of funding earning assets | 0.4754% | 1,181 |
| Net interest margin | 3.4199% | 2,097 |
| Noninterest income to average assets | 1.2703% | 722 |
| Noninterest expense to average assets | 3.3961% | 537 |
| Loan and lease loss provision to assets | 0.6577% | 72 |
| Net operating income to assets | 0.4209% | 4,343 |
| Return on assets (ROA) | 0.4209% | 4,373 |
| Pretax return on assets | 0.4971% | 4,377 |
| Return on Equity (ROE) | 5.0375% | 4,110 |
| Retained earnings to average equity (ytd only) | 5.0375% | 3,202 |
| Net charge-offs to loans | 2.5364% | 16 |
| Credit loss provision to net charge-offs | 69.5161% | 1,761 |
| Earnings coverage of net charge-offs (x) | 1.2210% | 2,383 |
| Efficiency ratio | 74.6314% | 1,162 |
| Assets per employee ($millions) | 4.8413% | 3,849 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3428% | 362 |
| Loan loss allowance to noncurrent loans | 66.4323% | 3,773 |
| Noncurrent assets plus other real estate owned to assets | 1.2372% | 468 |
| Noncurrent loans to loans | 3.5266% | 160 |
| Net loans and leases to total assets | 34.2592% | 4,454 |
| Net loans and leases to deposits | 37.3993% | 4,531 |
| Net loans and leases to core deposits | 42.2347% | 4,442 |
| Total domestic deposits to total assets | 91.6040% | 211 |
| Equity capital to assets | 8.0112% | 4,519 |
| Core capital (leverage) ratio | 7.3443% | 4,738 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4825% | 1,494 |
| Memoranda: | ||
| Average total assets | $87,432,500 | 4,174 |
| Average earning assets | $83,859,250 | 4,137 |
| Average equity | $7,305,000 | 4,454 |
| Average total loans | $32,591,250 | 4,382 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9564% | 1,664 |
| Cost of funding earning assets | 0.5545% | 919 |
| Net interest margin | 3.4019% | 2,136 |
| Noninterest income to average assets | 1.4642% | 565 |
| Noninterest expense to average assets | 3.4732% | 482 |
| Loan and lease loss provision to assets | 0.6495% | 67 |
| Net operating income to assets | 0.5447% | 4,123 |
| Return on assets (ROA) | 0.5447% | 4,170 |
| Pretax return on assets | 0.6122% | 4,211 |
| Return on Equity (ROE) | 6.4253% | 3,810 |
| Retained earnings to average equity (ytd only) | 6.4253% | 2,650 |
| Net charge-offs to loans | 2.4160% | 28 |
| Credit loss provision to net charge-offs | 70.6329% | 1,521 |
| Earnings coverage of net charge-offs (x) | 1.3722% | 2,172 |
| Efficiency ratio | 73.3530% | 1,300 |
| Assets per employee ($millions) | 4.5906% | 4,030 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5064% | 275 |
| Loan loss allowance to noncurrent loans | 212.2762% | 2,374 |
| Noncurrent assets plus other real estate owned to assets | 0.4259% | 1,914 |
| Noncurrent loans to loans | 1.1807% | 1,020 |
| Net loans and leases to total assets | 35.1646% | 4,493 |
| Net loans and leases to deposits | 38.3610% | 4,570 |
| Net loans and leases to core deposits | 46.3359% | 4,384 |
| Total domestic deposits to total assets | 91.6677% | 202 |
| Equity capital to assets | 7.9838% | 4,546 |
| Core capital (leverage) ratio | 7.6076% | 4,676 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4722% | 1,477 |
| Memoranda: | ||
| Average total assets | $85,915,333 | 4,217 |
| Average earning assets | $82,601,000 | 4,176 |
| Average equity | $7,283,667 | 4,483 |
| Average total loans | $32,698,667 | 4,414 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1656% | 1,260 |
| Cost of funding earning assets | 0.6216% | 792 |
| Net interest margin | 3.5440% | 1,715 |
| Noninterest income to average assets | 1.6681% | 505 |
| Noninterest expense to average assets | 3.6448% | 392 |
| Loan and lease loss provision to assets | 0.4821% | 142 |
| Net operating income to assets | 0.8823% | 3,173 |
| Return on assets (ROA) | 0.8823% | 3,254 |
| Pretax return on assets | 0.9498% | 3,496 |
| Return on Equity (ROE) | 10.0820% | 2,663 |
| Retained earnings to average equity (ytd only) | 10.0820% | 1,624 |
| Net charge-offs to loans | 2.4746% | 26 |
| Credit loss provision to net charge-offs | 49.7512% | 1,312 |
| Earnings coverage of net charge-offs (x) | 1.4776% | 1,846 |
| Efficiency ratio | 71.7949% | 1,517 |
| Assets per employee ($millions) | 4.4899% | 4,108 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5427% | 243 |
| Loan loss allowance to noncurrent loans | 268.2540% | 1,909 |
| Noncurrent assets plus other real estate owned to assets | 0.3693% | 2,321 |
| Noncurrent loans to loans | 0.9479% | 1,431 |
| Net loans and leases to total assets | 37.9660% | 4,422 |
| Net loans and leases to deposits | 41.7113% | 4,507 |
| Net loans and leases to core deposits | 50.0765% | 4,294 |
| Total domestic deposits to total assets | 91.0208% | 389 |
| Equity capital to assets | 8.5338% | 4,085 |
| Core capital (leverage) ratio | 8.0453% | 4,533 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6087% | 1,404 |
| Memoranda: | ||
| Average total assets | $82,967,500 | 4,269 |
| Average earning assets | $79,796,000 | 4,223 |
| Average equity | $7,260,500 | 4,506 |
| Average total loans | $32,490,500 | 4,442 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1847% | 342 |
| Cost of funding earning assets | 0.7571% | 1,413 |
| Net interest margin | 4.4276% | 377 |
| Noninterest income to average assets | 0.8603% | 1,374 |
| Noninterest expense to average assets | 4.0406% | 370 |
| Loan and lease loss provision to assets | 0.6223% | 310 |
| Net operating income to assets | 0.3517% | 4,340 |
| Return on assets (ROA) | 0.3517% | 4,411 |
| Pretax return on assets | 0.4139% | 4,400 |
| Return on Equity (ROE) | 3.6714% | 4,231 |
| Retained earnings to average equity (ytd only) | 3.6714% | 2,996 |
| Net charge-offs to loans | 1.1386% | 111 |
| Credit loss provision to net charge-offs | 120.7349% | 2,627 |
| Earnings coverage of net charge-offs (x) | 2.0105% | 3,209 |
| Efficiency ratio | 79.5897% | 916 |
| Assets per employee ($millions) | 4.0314% | 4,350 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9766% | 151 |
| Loan loss allowance to noncurrent loans | 282.0896% | 1,799 |
| Noncurrent assets plus other real estate owned to assets | 0.4155% | 2,335 |
| Noncurrent loans to loans | 1.0552% | 1,346 |
| Net loans and leases to total assets | 38.2043% | 4,513 |
| Net loans and leases to deposits | 42.2092% | 4,592 |
| Net loans and leases to core deposits | 51.3187% | 4,376 |
| Total domestic deposits to total assets | 90.5119% | 375 |
| Equity capital to assets | 8.9809% | 4,074 |
| Core capital (leverage) ratio | 8.2273% | 4,467 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9743% | 1,269 |
| Memoranda: | ||
| Average total assets | $73,925,000 | 4,325 |
| Average earning assets | $70,399,600 | 4,290 |
| Average equity | $7,081,800 | 4,516 |
| Average total loans | $33,463,000 | 4,446 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4589% | 252 |
| Cost of funding earning assets | 0.7804% | 1,587 |
| Net interest margin | 4.6785% | 269 |
| Noninterest income to average assets | 0.9098% | 1,195 |
| Noninterest expense to average assets | 4.1762% | 327 |
| Loan and lease loss provision to assets | 0.7294% | 278 |
| Net operating income to assets | 0.3322% | 4,388 |
| Return on assets (ROA) | 0.3322% | 4,445 |
| Pretax return on assets | 0.4411% | 4,383 |
| Return on Equity (ROE) | 3.4080% | 4,317 |
| Retained earnings to average equity (ytd only) | 3.4080% | 3,355 |
| Net charge-offs to loans | 1.3612% | 88 |
| Credit loss provision to net charge-offs | 114.4509% | 2,519 |
| Earnings coverage of net charge-offs (x) | 1.8324% | 3,039 |
| Efficiency ratio | 78.1153% | 1,024 |
| Assets per employee ($millions) | 3.8963% | 4,412 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6630% | 196 |
| Loan loss allowance to noncurrent loans | 308.4175% | 1,605 |
| Noncurrent assets plus other real estate owned to assets | 0.3811% | 2,636 |
| Noncurrent loans to loans | 0.8634% | 1,720 |
| Net loans and leases to total assets | 42.9651% | 4,461 |
| Net loans and leases to deposits | 47.7141% | 4,562 |
| Net loans and leases to core deposits | 58.4617% | 4,281 |
| Total domestic deposits to total assets | 90.0470% | 412 |
| Equity capital to assets | 9.2549% | 3,902 |
| Core capital (leverage) ratio | 8.5896% | 4,186 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $72,249,500 | 4,359 |
| Average earning assets | $68,510,500 | 4,326 |
| Average equity | $7,042,000 | 4,536 |
| Average total loans | $33,891,750 | 4,464 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7505% | 212 |
| Cost of funding earning assets | 0.7937% | 1,859 |
| Net interest margin | 4.9568% | 222 |
| Noninterest income to average assets | 0.9106% | 1,138 |
| Noninterest expense to average assets | 4.3251% | 294 |
| Loan and lease loss provision to assets | 0.6545% | 443 |
| Net operating income to assets | 0.5406% | 3,906 |
| Return on assets (ROA) | 0.5406% | 3,985 |
| Pretax return on assets | 0.6402% | 3,984 |
| Return on Equity (ROE) | 5.4900% | 3,678 |
| Retained earnings to average equity (ytd only) | 5.4900% | 2,278 |
| Net charge-offs to loans | 1.7614% | 77 |
| Credit loss provision to net charge-offs | 77.4411% | 2,517 |
| Earnings coverage of net charge-offs (x) | 1.5320% | 2,848 |
| Efficiency ratio | 76.9620% | 1,159 |
| Assets per employee ($millions) | 3.8512% | 4,433 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3842% | 255 |
| Loan loss allowance to noncurrent loans | 287.7698% | 1,612 |
| Noncurrent assets plus other real estate owned to assets | 0.3799% | 2,776 |
| Noncurrent loans to loans | 0.8285% | 1,842 |
| Net loans and leases to total assets | 44.7624% | 4,417 |
| Net loans and leases to deposits | 49.9459% | 4,535 |
| Net loans and leases to core deposits | 64.3548% | 4,055 |
| Total domestic deposits to total assets | 89.6219% | 519 |
| Equity capital to assets | 9.6921% | 3,487 |
| Core capital (leverage) ratio | 8.7183% | 4,200 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3984% | 1,387 |
| Memoranda: | ||
| Average total assets | $70,286,667 | 4,396 |
| Average earning assets | $66,777,000 | 4,362 |
| Average equity | $6,921,667 | 4,577 |
| Average total loans | $33,723,333 | 4,489 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1994% | 132 |
| Cost of funding earning assets | 0.8160% | 2,296 |
| Net interest margin | 5.3834% | 107 |
| Noninterest income to average assets | 0.9645% | 924 |
| Noninterest expense to average assets | 4.5611% | 288 |
| Loan and lease loss provision to assets | 0.6972% | 380 |
| Net operating income to assets | 0.7379% | 3,145 |
| Return on assets (ROA) | 0.7379% | 3,224 |
| Pretax return on assets | 0.8425% | 3,301 |
| Return on Equity (ROE) | 7.4307% | 2,768 |
| Retained earnings to average equity (ytd only) | 7.4307% | 1,400 |
| Net charge-offs to loans | 1.2778% | 114 |
| Credit loss provision to net charge-offs | 111.1111% | 1,747 |
| Earnings coverage of net charge-offs (x) | 2.4537% | 2,289 |
| Efficiency ratio | 74.7619% | 1,717 |
| Assets per employee ($millions) | 3.9547% | 3,984 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6361% | 207 |
| Loan loss allowance to noncurrent loans | 223.0964% | 1,899 |
| Noncurrent assets plus other real estate owned to assets | 0.5535% | 2,334 |
| Noncurrent loans to loans | 1.1816% | 1,395 |
| Net loans and leases to total assets | 45.6079% | 4,442 |
| Net loans and leases to deposits | 51.1018% | 4,557 |
| Net loans and leases to core deposits | 63.1979% | 4,216 |
| Total domestic deposits to total assets | 89.2491% | 566 |
| Equity capital to assets | 10.1018% | 3,687 |
| Core capital (leverage) ratio | 9.2739% | 4,201 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8909% | 1,373 |
| Memoranda: | ||
| Average total assets | $68,843,500 | 4,430 |
| Average earning assets | $65,683,500 | 4,390 |
| Average equity | $6,836,500 | 4,618 |
| Average total loans | $33,808,000 | 4,508 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5666% | 101 |
| Cost of funding earning assets | 0.8029% | 2,674 |
| Net interest margin | 5.7637% | 80 |
| Noninterest income to average assets | 1.1375% | 723 |
| Noninterest expense to average assets | 4.3610% | 346 |
| Loan and lease loss provision to assets | 1.8369% | 49 |
| Net operating income to assets | 0.3674% | 4,657 |
| Return on assets (ROA) | 0.3674% | 4,686 |
| Pretax return on assets | 0.3904% | 4,729 |
| Return on Equity (ROE) | 3.9401% | 4,474 |
| Retained earnings to average equity (ytd only) | 3.9401% | 2,996 |
| Net charge-offs to loans | 3.2562% | 31 |
| Credit loss provision to net charge-offs | 103.2844% | 2,401 |
| Earnings coverage of net charge-offs (x) | 1.2524% | 3,561 |
| Efficiency ratio | 66.1923% | 2,742 |
| Assets per employee ($millions) | 3.6946% | 4,273 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5269% | 211 |
| Loan loss allowance to noncurrent loans | 149.0534% | 2,608 |
| Noncurrent assets plus other real estate owned to assets | 0.8737% | 1,463 |
| Noncurrent loans to loans | 1.6953% | 814 |
| Net loans and leases to total assets | 50.2316% | 4,320 |
| Net loans and leases to deposits | 57.2768% | 4,402 |
| Net loans and leases to core deposits | 71.1638% | 3,905 |
| Total domestic deposits to total assets | 87.6996% | 1,274 |
| Equity capital to assets | 9.7471% | 4,156 |
| Core capital (leverage) ratio | 9.4096% | 4,158 |
| Tier 1 risk-based capital ratio | 14.9869% | 2,784 |
| Total risk-based capital ratio | 16.2467% | 2,718 |
| Memoranda: | ||
| Average total assets | $65,053,800 | 4,520 |
| Average earning assets | $61,523,400 | 4,486 |
| Average equity | $6,065,800 | 4,747 |
| Average total loans | $35,532,600 | 4,516 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6360% | 97 |
| Cost of funding earning assets | 0.7940% | 2,750 |
| Net interest margin | 5.8420% | 74 |
| Noninterest income to average assets | 1.1624% | 676 |
| Noninterest expense to average assets | 4.4126% | 327 |
| Loan and lease loss provision to assets | 2.2671% | 39 |
| Net operating income to assets | -0.0165% | 5,066 |
| Return on assets (ROA) | -0.0165% | 5,077 |
| Pretax return on assets | -0.0124% | 5,072 |
| Return on Equity (ROE) | -0.1790% | 5,079 |
| Retained earnings to average equity (ytd only) | -0.1790% | 4,777 |
| Net charge-offs to loans | 4.0615% | 24 |
| Credit loss provision to net charge-offs | 100.7326% | 2,235 |
| Earnings coverage of net charge-offs (x) | 1.0018% | 3,332 |
| Efficiency ratio | 66.1824% | 2,701 |
| Assets per employee ($millions) | 3.6776% | 4,305 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2851% | 294 |
| Loan loss allowance to noncurrent loans | 125.8647% | 2,926 |
| Noncurrent assets plus other real estate owned to assets | 1.0046% | 1,333 |
| Noncurrent loans to loans | 1.8156% | 785 |
| Net loans and leases to total assets | 54.0674% | 4,180 |
| Net loans and leases to deposits | 62.8475% | 4,247 |
| Net loans and leases to core deposits | 79.3100% | 3,439 |
| Total domestic deposits to total assets | 86.0296% | 1,989 |
| Equity capital to assets | 9.3615% | 4,556 |
| Core capital (leverage) ratio | 9.3631% | 4,312 |
| Tier 1 risk-based capital ratio | 13.6187% | 3,516 |
| Total risk-based capital ratio | 14.8758% | 3,421 |
| Memoranda: | ||
| Average total assets | $64,691,750 | 4,581 |
| Average earning assets | $60,958,750 | 4,553 |
| Average equity | $5,961,750 | 4,823 |
| Average total loans | $35,848,000 | 4,566 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1796% | 65 |
| Cost of funding earning assets | 0.7856% | 2,713 |
| Net interest margin | 6.3940% | 52 |
| Noninterest income to average assets | 1.1341% | 658 |
| Noninterest expense to average assets | 5.2407% | 183 |
| Loan and lease loss provision to assets | 2.8634% | 29 |
| Net operating income to assets | -0.9628% | 5,222 |
| Return on assets (ROA) | -0.9628% | 5,224 |
| Pretax return on assets | -0.9597% | 5,220 |
| Return on Equity (ROE) | -10.5043% | 5,245 |
| Retained earnings to average equity (ytd only) | -10.5043% | 5,187 |
| Net charge-offs to loans | 4.8443% | 18 |
| Credit loss provision to net charge-offs | 106.6125% | 1,879 |
| Earnings coverage of net charge-offs (x) | 0.7088% | 3,079 |
| Efficiency ratio | 73.3537% | 1,728 |
| Assets per employee ($millions) | 3.5393% | 4,456 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4657% | 231 |
| Loan loss allowance to noncurrent loans | 149.1582% | 2,651 |
| Noncurrent assets plus other real estate owned to assets | 0.9324% | 1,491 |
| Noncurrent loans to loans | 1.6531% | 930 |
| Net loans and leases to total assets | 55.0119% | 4,140 |
| Net loans and leases to deposits | 62.4601% | 4,309 |
| Net loans and leases to core deposits | 79.1218% | 3,495 |
| Total domestic deposits to total assets | 88.0753% | 1,068 |
| Equity capital to assets | 9.2500% | 4,613 |
| Core capital (leverage) ratio | 8.9172% | 4,698 |
| Tier 1 risk-based capital ratio | 13.5445% | 3,558 |
| Total risk-based capital ratio | 14.8040% | 3,449 |
| Memoranda: | ||
| Average total assets | $64,190,000 | 4,624 |
| Average earning assets | $60,337,670 | 4,600 |
| Average equity | $5,883,330 | 4,863 |
| Average total loans | $35,588,000 | 4,605 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7468% | 94 |
| Cost of funding earning assets | 0.7894% | 2,595 |
| Net interest margin | 5.9573% | 71 |
| Noninterest income to average assets | 1.1299% | 634 |
| Noninterest expense to average assets | 5.2832% | 180 |
| Loan and lease loss provision to assets | 0.9002% | 103 |
| Net operating income to assets | 0.4159% | 4,697 |
| Return on assets (ROA) | 0.4159% | 4,710 |
| Pretax return on assets | 0.5215% | 4,637 |
| Return on Equity (ROE) | 4.5590% | 4,459 |
| Retained earnings to average equity (ytd only) | 4.5590% | 3,105 |
| Net charge-offs to loans | 2.3380% | 45 |
| Credit loss provision to net charge-offs | 70.0483% | 1,851 |
| Earnings coverage of net charge-offs (x) | 1.1063% | 2,623 |
| Efficiency ratio | 78.7963% | 1,181 |
| Assets per employee ($millions) | 3.7699% | 4,235 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1741% | 367 |
| Loan loss allowance to noncurrent loans | 49.6440% | 4,264 |
| Noncurrent assets plus other real estate owned to assets | 2.4107% | 332 |
| Noncurrent loans to loans | 4.3794% | 155 |
| Net loans and leases to total assets | 53.8501% | 4,216 |
| Net loans and leases to deposits | 59.9354% | 4,418 |
| Net loans and leases to core deposits | 73.4095% | 3,833 |
| Total domestic deposits to total assets | 89.8469% | 513 |
| Equity capital to assets | 9.4837% | 4,275 |
| Core capital (leverage) ratio | 9.4756% | 4,161 |
| Tier 1 risk-based capital ratio | 14.1232% | 3,287 |
| Total risk-based capital ratio | 15.3781% | 3,203 |
| Memoranda: | ||
| Average total assets | $64,431,000 | 4,667 |
| Average earning assets | $60,295,500 | 4,642 |
| Average equity | $5,878,500 | 4,906 |
| Average total loans | $35,415,500 | 4,654 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3021% | 116 |
| Cost of funding earning assets | 0.7811% | 1,635 |
| Net interest margin | 5.5209% | 107 |
| Noninterest income to average assets | 1.2895% | 563 |
| Noninterest expense to average assets | 5.3416% | 164 |
| Loan and lease loss provision to assets | 0.6053% | 185 |
| Net operating income to assets | 0.4186% | 4,833 |
| Return on assets (ROA) | 0.4186% | 4,826 |
| Pretax return on assets | 0.5313% | 4,755 |
| Return on Equity (ROE) | 4.5935% | 4,563 |
| Retained earnings to average equity (ytd only) | 2.0671% | 4,331 |
| Net charge-offs to loans | 0.8783% | 173 |
| Credit loss provision to net charge-offs | 118.6120% | 2,189 |
| Earnings coverage of net charge-offs (x) | 2.2271% | 3,546 |
| Efficiency ratio | 82.4553% | 751 |
| Assets per employee ($millions) | 3.8102% | 4,171 |
| Cash dividends to net income (ytd only)* | 55.0000% | 1,729 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3318% | 274 |
| Loan loss allowance to noncurrent loans | 57.3702% | 4,166 |
| Noncurrent assets plus other real estate owned to assets | 2.2309% | 384 |
| Noncurrent loans to loans | 4.0645% | 181 |
| Net loans and leases to total assets | 53.6072% | 4,311 |
| Net loans and leases to deposits | 58.8705% | 4,534 |
| Net loans and leases to core deposits | 71.7165% | 4,011 |
| Total domestic deposits to total assets | 91.0595% | 189 |
| Equity capital to assets | 8.7675% | 4,754 |
| Core capital (leverage) ratio | 9.3691% | 4,278 |
| Tier 1 risk-based capital ratio | 13.8381% | 3,368 |
| Total risk-based capital ratio | 15.0961% | 3,290 |
| Memoranda: | ||
| Average total assets | $62,116,000 | 4,715 |
| Average earning assets | $58,377,800 | 4,703 |
| Average equity | $5,660,200 | 4,946 |
| Average total loans | $36,091,000 | 4,658 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2162% | 116 |
| Cost of funding earning assets | 0.7543% | 1,565 |
| Net interest margin | 5.4619% | 111 |
| Noninterest income to average assets | 1.3235% | 546 |
| Noninterest expense to average assets | 5.1660% | 183 |
| Loan and lease loss provision to assets | 0.6314% | 163 |
| Net operating income to assets | 0.5663% | 4,596 |
| Return on assets (ROA) | 0.5663% | 4,602 |
| Pretax return on assets | 0.6791% | 4,579 |
| Return on Equity (ROE) | 6.1531% | 4,221 |
| Retained earnings to average equity (ytd only) | 6.1531% | 2,579 |
| Net charge-offs to loans | 0.7950% | 177 |
| Credit loss provision to net charge-offs | 134.7222% | 1,848 |
| Earnings coverage of net charge-offs (x) | 2.7963% | 3,220 |
| Efficiency ratio | 79.7655% | 962 |
| Assets per employee ($millions) | 3.8978% | 4,047 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2323% | 342 |
| Loan loss allowance to noncurrent loans | 52.0666% | 4,360 |
| Noncurrent assets plus other real estate owned to assets | 2.5992% | 328 |
| Noncurrent loans to loans | 4.2873% | 182 |
| Net loans and leases to total assets | 59.2720% | 3,924 |
| Net loans and leases to deposits | 65.8291% | 4,210 |
| Net loans and leases to core deposits | 81.0636% | 3,399 |
| Total domestic deposits to total assets | 90.0393% | 499 |
| Equity capital to assets | 9.0772% | 4,479 |
| Core capital (leverage) ratio | 9.9626% | 3,678 |
| Tier 1 risk-based capital ratio | 14.1013% | 3,319 |
| Total risk-based capital ratio | 15.3584% | 3,233 |
| Memoranda: | ||
| Average total assets | $61,451,750 | 4,783 |
| Average earning assets | $57,976,250 | 4,761 |
| Average equity | $5,655,500 | 5,005 |
| Average total loans | $36,225,750 | 4,703 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0924% | 126 |
| Cost of funding earning assets | 0.7439% | 1,406 |
| Net interest margin | 5.3485% | 135 |
| Noninterest income to average assets | 1.3279% | 550 |
| Noninterest expense to average assets | 5.1646% | 194 |
| Loan and lease loss provision to assets | 0.5266% | 214 |
| Net operating income to assets | 0.6018% | 4,489 |
| Return on assets (ROA) | 0.6018% | 4,495 |
| Pretax return on assets | 0.7163% | 4,472 |
| Return on Equity (ROE) | 6.5090% | 4,061 |
| Retained earnings to average equity (ytd only) | 6.5090% | 2,308 |
| Net charge-offs to loans | 0.5883% | 254 |
| Credit loss provision to net charge-offs | 153.3333% | 1,560 |
| Earnings coverage of net charge-offs (x) | 3.6190% | 2,862 |
| Efficiency ratio | 80.6023% | 950 |
| Assets per employee ($millions) | 3.8297% | 4,167 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2534% | 340 |
| Loan loss allowance to noncurrent loans | 51.0507% | 4,402 |
| Noncurrent assets plus other real estate owned to assets | 2.6406% | 315 |
| Noncurrent loans to loans | 4.4140% | 182 |
| Net loans and leases to total assets | 58.4741% | 3,953 |
| Net loans and leases to deposits | 67.3344% | 4,067 |
| Net loans and leases to core deposits | 83.9720% | 3,083 |
| Total domestic deposits to total assets | 86.8413% | 1,911 |
| Equity capital to assets | 9.2191% | 4,360 |
| Core capital (leverage) ratio | 9.9402% | 3,647 |
| Tier 1 risk-based capital ratio | 14.3304% | 3,190 |
| Total risk-based capital ratio | 15.5888% | 3,108 |
| Memoranda: | ||
| Average total assets | $61,147,330 | 4,852 |
| Average earning assets | $58,072,000 | 4,816 |
| Average equity | $5,653,670 | 5,059 |
| Average total loans | $35,698,000 | 4,759 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0114% | 135 |
| Cost of funding earning assets | 0.7488% | 1,197 |
| Net interest margin | 5.2625% | 147 |
| Noninterest income to average assets | 1.3228% | 536 |
| Noninterest expense to average assets | 5.1340% | 202 |
| Loan and lease loss provision to assets | 0.8251% | 112 |
| Net operating income to assets | 0.2685% | 5,138 |
| Return on assets (ROA) | 0.2685% | 5,139 |
| Pretax return on assets | 0.3798% | 5,060 |
| Return on Equity (ROE) | 2.8996% | 5,041 |
| Retained earnings to average equity (ytd only) | 2.8996% | 4,035 |
| Net charge-offs to loans | 1.1471% | 125 |
| Credit loss provision to net charge-offs | 124.7525% | 1,362 |
| Earnings coverage of net charge-offs (x) | 1.8218% | 2,516 |
| Efficiency ratio | 80.9917% | 1,041 |
| Assets per employee ($millions) | 4.0333% | 3,922 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2476% | 358 |
| Loan loss allowance to noncurrent loans | 50.8963% | 4,439 |
| Noncurrent assets plus other real estate owned to assets | 2.5819% | 349 |
| Noncurrent loans to loans | 4.4160% | 201 |
| Net loans and leases to total assets | 57.1514% | 4,022 |
| Net loans and leases to deposits | 63.7393% | 4,223 |
| Net loans and leases to core deposits | 75.8811% | 3,679 |
| Total domestic deposits to total assets | 89.6643% | 803 |
| Equity capital to assets | 9.1588% | 4,405 |
| Core capital (leverage) ratio | 9.6555% | 3,902 |
| Tier 1 risk-based capital ratio | 14.2670% | 3,244 |
| Total risk-based capital ratio | 15.5229% | 3,160 |
| Memoranda: | ||
| Average total assets | $61,083,500 | 4,903 |
| Average earning assets | $58,223,000 | 4,868 |
| Average equity | $5,656,000 | 5,110 |
| Average total loans | $35,219,000 | 4,825 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2712% | 101 |
| Cost of funding earning assets | 0.6981% | 1,031 |
| Net interest margin | 5.5731% | 96 |
| Noninterest income to average assets | 1.2277% | 695 |
| Noninterest expense to average assets | 4.9044% | 230 |
| Loan and lease loss provision to assets | 0.9850% | 99 |
| Net operating income to assets | 0.4681% | 4,465 |
| Return on assets (ROA) | 0.4681% | 4,496 |
| Pretax return on assets | 0.5847% | 4,773 |
| Return on Equity (ROE) | 5.2254% | 4,076 |
| Retained earnings to average equity (ytd only) | 5.2254% | 1,982 |
| Net charge-offs to loans | 1.9773% | 68 |
| Credit loss provision to net charge-offs | 84.5737% | 2,876 |
| Earnings coverage of net charge-offs (x) | 1.3478% | 3,900 |
| Efficiency ratio | 75.7546% | 1,660 |
| Assets per employee ($millions) | 3.8543% | 4,195 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1958% | 373 |
| Loan loss allowance to noncurrent loans | 227.1386% | 2,071 |
| Noncurrent assets plus other real estate owned to assets | 0.5497% | 2,726 |
| Noncurrent loans to loans | 0.9667% | 1,829 |
| Net loans and leases to total assets | 55.6156% | 4,226 |
| Net loans and leases to deposits | 61.9739% | 4,455 |
| Net loans and leases to core deposits | 73.0298% | 3,967 |
| Total domestic deposits to total assets | 89.7402% | 659 |
| Equity capital to assets | 9.3582% | 4,371 |
| Core capital (leverage) ratio | 9.0641% | 4,569 |
| Tier 1 risk-based capital ratio | 14.3532% | 3,168 |
| Total risk-based capital ratio | 15.6114% | 3,070 |
| Memoranda: | ||
| Average total assets | $63,453,400 | 4,889 |
| Average earning assets | $59,733,400 | 4,862 |
| Average equity | $5,683,800 | 5,149 |
| Average total loans | $37,374,000 | 4,809 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2545% | 99 |
| Cost of funding earning assets | 0.6870% | 1,027 |
| Net interest margin | 5.5674% | 95 |
| Noninterest income to average assets | 1.2352% | 686 |
| Noninterest expense to average assets | 4.9409% | 229 |
| Loan and lease loss provision to assets | 1.0537% | 101 |
| Net operating income to assets | 0.3255% | 5,170 |
| Return on assets (ROA) | 0.3255% | 5,193 |
| Pretax return on assets | 0.4653% | 5,092 |
| Return on Equity (ROE) | 3.6734% | 4,946 |
| Retained earnings to average equity (ytd only) | 3.6734% | 3,738 |
| Net charge-offs to loans | 1.9288% | 75 |
| Credit loss provision to net charge-offs | 91.9854% | 2,433 |
| Earnings coverage of net charge-offs (x) | 1.3260% | 3,580 |
| Efficiency ratio | 76.4858% | 1,521 |
| Assets per employee ($millions) | 3.9401% | 4,091 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1856% | 420 |
| Loan loss allowance to noncurrent loans | 212.6582% | 2,138 |
| Noncurrent assets plus other real estate owned to assets | 0.5897% | 2,745 |
| Noncurrent loans to loans | 1.0277% | 1,887 |
| Net loans and leases to total assets | 56.1255% | 4,227 |
| Net loans and leases to deposits | 68.7075% | 4,066 |
| Net loans and leases to core deposits | 81.0705% | 3,367 |
| Total domestic deposits to total assets | 81.6876% | 3,870 |
| Equity capital to assets | 8.6964% | 5,151 |
| Core capital (leverage) ratio | 9.0483% | 4,689 |
| Tier 1 risk-based capital ratio | 14.2539% | 3,326 |
| Total risk-based capital ratio | 15.5141% | 3,222 |
| Memoranda: | ||
| Average total assets | $63,899,750 | 4,935 |
| Average earning assets | $59,966,250 | 4,912 |
| Average equity | $5,662,000 | 5,207 |
| Average total loans | $37,950,750 | 4,842 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3461% | 88 |
| Cost of funding earning assets | 0.6635% | 1,075 |
| Net interest margin | 5.6826% | 89 |
| Noninterest income to average assets | 1.2502% | 665 |
| Noninterest expense to average assets | 4.9020% | 232 |
| Loan and lease loss provision to assets | 1.3042% | 77 |
| Net operating income to assets | 0.1909% | 5,408 |
| Return on assets (ROA) | 0.1909% | 5,417 |
| Pretax return on assets | 0.3563% | 5,259 |
| Return on Equity (ROE) | 2.1399% | 5,325 |
| Retained earnings to average equity (ytd only) | 2.1399% | 4,397 |
| Net charge-offs to loans | 2.4822% | 57 |
| Credit loss provision to net charge-offs | 87.4200% | 2,176 |
| Earnings coverage of net charge-offs (x) | 1.1130% | 3,319 |
| Efficiency ratio | 74.6970% | 1,898 |
| Assets per employee ($millions) | 3.7436% | 4,364 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1817% | 447 |
| Loan loss allowance to noncurrent loans | 371.6216% | 1,321 |
| Noncurrent assets plus other real estate owned to assets | 0.3488% | 3,727 |
| Noncurrent loans to loans | 0.5871% | 2,969 |
| Net loans and leases to total assets | 58.1204% | 4,017 |
| Net loans and leases to deposits | 68.0257% | 4,070 |
| Net loans and leases to core deposits | 80.3532% | 3,398 |
| Total domestic deposits to total assets | 85.4389% | 2,632 |
| Equity capital to assets | 9.0066% | 4,895 |
| Core capital (leverage) ratio | 8.9065% | 4,833 |
| Tier 1 risk-based capital ratio | 14.4121% | 3,212 |
| Total risk-based capital ratio | 15.6723% | 3,135 |
| Memoranda: | ||
| Average total assets | $62,872,330 | 4,997 |
| Average earning assets | $58,776,000 | 4,977 |
| Average equity | $5,607,670 | 5,251 |
| Average total loans | $37,789,670 | 4,880 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4906% | 82 |
| Cost of funding earning assets | 0.6525% | 1,065 |
| Net interest margin | 5.8381% | 84 |
| Noninterest income to average assets | 1.2931% | 609 |
| Noninterest expense to average assets | 4.8714% | 252 |
| Loan and lease loss provision to assets | 1.3763% | 57 |
| Net operating income to assets | 0.3201% | 5,142 |
| Return on assets (ROA) | 0.3201% | 5,170 |
| Pretax return on assets | 0.4865% | 4,994 |
| Return on Equity (ROE) | 3.6065% | 4,919 |
| Retained earnings to average equity (ytd only) | 3.6065% | 3,637 |
| Net charge-offs to loans | 3.2824% | 46 |
| Credit loss provision to net charge-offs | 69.3548% | 1,843 |
| Earnings coverage of net charge-offs (x) | 0.9387% | 2,778 |
| Efficiency ratio | 72.3384% | 2,515 |
| Assets per employee ($millions) | 3.8265% | 4,303 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1215% | 530 |
| Loan loss allowance to noncurrent loans | 167.1610% | 2,585 |
| Noncurrent assets plus other real estate owned to assets | 0.7256% | 2,479 |
| Noncurrent loans to loans | 1.2692% | 1,590 |
| Net loans and leases to total assets | 55.9576% | 4,173 |
| Net loans and leases to deposits | 64.7970% | 4,266 |
| Net loans and leases to core deposits | 73.3344% | 3,892 |
| Total domestic deposits to total assets | 86.3584% | 2,508 |
| Equity capital to assets | 8.6594% | 5,102 |
| Core capital (leverage) ratio | 9.2159% | 4,460 |
| Tier 1 risk-based capital ratio | 14.0325% | 3,457 |
| Total risk-based capital ratio | 15.2910% | 3,369 |
| Memoranda: | ||
| Average total assets | $62,487,500 | 5,063 |
| Average earning assets | $58,238,000 | 5,045 |
| Average equity | $5,545,500 | 5,315 |
| Average total loans | $37,777,500 | 4,926 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4014% | 74 |
| Cost of funding earning assets | 0.6702% | 951 |
| Net interest margin | 5.7312% | 79 |
| Noninterest income to average assets | 1.2630% | 710 |
| Noninterest expense to average assets | 5.1644% | 240 |
| Loan and lease loss provision to assets | 0.9349% | 116 |
| Net operating income to assets | 0.3908% | 4,975 |
| Return on assets (ROA) | 0.4500% | 4,877 |
| Pretax return on assets | 0.6576% | 4,628 |
| Return on Equity (ROE) | 4.9961% | 4,437 |
| Retained earnings to average equity (ytd only) | 2.4805% | 4,100 |
| Net charge-offs to loans | 1.4749% | 100 |
| Credit loss provision to net charge-offs | 101.3746% | 2,536 |
| Earnings coverage of net charge-offs (x) | 1.6323% | 3,961 |
| Efficiency ratio | 77.4293% | 1,782 |
| Assets per employee ($millions) | 3.5249% | 4,725 |
| Cash dividends to net income (ytd only)* | 50.3521% | 2,279 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3042% | 396 |
| Loan loss allowance to noncurrent loans | 84.0304% | 3,931 |
| Noncurrent assets plus other real estate owned to assets | 1.7556% | 860 |
| Noncurrent loans to loans | 2.7421% | 538 |
| Net loans and leases to total assets | 62.5476% | 3,537 |
| Net loans and leases to deposits | 68.9648% | 4,011 |
| Net loans and leases to core deposits | 78.3957% | 3,546 |
| Total domestic deposits to total assets | 90.6949% | 386 |
| Equity capital to assets | 9.1082% | 4,699 |
| Core capital (leverage) ratio | 9.0012% | 4,747 |
| Tier 1 risk-based capital ratio | 14.2197% | 3,337 |
| Total risk-based capital ratio | 15.4788% | 3,259 |
| Memoranda: | ||
| Average total assets | $63,105,600 | 5,073 |
| Average earning assets | $59,533,600 | 5,031 |
| Average equity | $5,684,400 | 5,336 |
| Average total loans | $39,460,200 | 4,893 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3718% | 79 |
| Cost of funding earning assets | 0.6675% | 960 |
| Net interest margin | 5.7044% | 85 |
| Noninterest income to average assets | 1.2769% | 714 |
| Noninterest expense to average assets | 5.1453% | 240 |
| Loan and lease loss provision to assets | 1.0161% | 103 |
| Net operating income to assets | 0.2792% | 5,322 |
| Return on assets (ROA) | 0.3526% | 5,239 |
| Pretax return on assets | 0.6155% | 4,835 |
| Return on Equity (ROE) | 3.9249% | 4,931 |
| Retained earnings to average equity (ytd only) | 3.9249% | 3,508 |
| Net charge-offs to loans | 1.5368% | 85 |
| Credit loss provision to net charge-offs | 106.3319% | 2,260 |
| Earnings coverage of net charge-offs (x) | 1.5873% | 3,677 |
| Efficiency ratio | 77.2314% | 1,802 |
| Assets per employee ($millions) | 3.7931% | 4,318 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2490% | 471 |
| Loan loss allowance to noncurrent loans | 92.4413% | 3,780 |
| Noncurrent assets plus other real estate owned to assets | 1.5182% | 1,175 |
| Noncurrent loans to loans | 2.4329% | 735 |
| Net loans and leases to total assets | 61.0006% | 3,745 |
| Net loans and leases to deposits | 77.5701% | 3,233 |
| Net loans and leases to core deposits | 89.0496% | 2,662 |
| Total domestic deposits to total assets | 78.6393% | 4,800 |
| Equity capital to assets | 9.1652% | 5,011 |
| Core capital (leverage) ratio | 8.6245% | 5,238 |
| Tier 1 risk-based capital ratio | 12.9684% | 4,185 |
| Total risk-based capital ratio | 14.2280% | 4,091 |
| Memoranda: | ||
| Average total assets | $63,901,000 | 5,098 |
| Average earning assets | $60,326,750 | 5,054 |
| Average equity | $5,741,000 | 5,382 |
| Average total loans | $39,734,000 | 4,935 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3905% | 79 |
| Cost of funding earning assets | 0.6619% | 981 |
| Net interest margin | 5.7286% | 89 |
| Noninterest income to average assets | 1.2683% | 708 |
| Noninterest expense to average assets | 5.2082% | 241 |
| Loan and lease loss provision to assets | 1.0329% | 96 |
| Net operating income to assets | 0.2571% | 5,418 |
| Return on assets (ROA) | 0.3736% | 5,199 |
| Pretax return on assets | 0.6436% | 4,776 |
| Return on Equity (ROE) | 4.1867% | 4,839 |
| Retained earnings to average equity (ytd only) | 4.1867% | 3,242 |
| Net charge-offs to loans | 1.2435% | 132 |
| Credit loss provision to net charge-offs | 133.7398% | 1,740 |
| Earnings coverage of net charge-offs (x) | 1.9350% | 3,351 |
| Efficiency ratio | 77.7049% | 1,836 |
| Assets per employee ($millions) | 3.8025% | 4,262 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3624% | 420 |
| Loan loss allowance to noncurrent loans | 122.3214% | 3,290 |
| Noncurrent assets plus other real estate owned to assets | 1.2128% | 1,708 |
| Noncurrent loans to loans | 1.9313% | 1,044 |
| Net loans and leases to total assets | 61.3152% | 3,706 |
| Net loans and leases to deposits | 76.7218% | 3,302 |
| Net loans and leases to core deposits | 87.8302% | 2,740 |
| Total domestic deposits to total assets | 79.9189% | 4,567 |
| Equity capital to assets | 9.0095% | 5,231 |
| Core capital (leverage) ratio | 8.8040% | 5,053 |
| Tier 1 risk-based capital ratio | 12.4186% | 4,580 |
| Total risk-based capital ratio | 13.6790% | 4,487 |
| Memoranda: | ||
| Average total assets | $63,707,000 | 5,155 |
| Average earning assets | $60,433,670 | 5,102 |
| Average equity | $5,684,670 | 5,447 |
| Average total loans | $39,565,330 | 4,987 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6579% | 69 |
| Cost of funding earning assets | 0.6605% | 993 |
| Net interest margin | 5.9974% | 67 |
| Noninterest income to average assets | 1.2524% | 695 |
| Noninterest expense to average assets | 5.2752% | 236 |
| Loan and lease loss provision to assets | 0.8539% | 118 |
| Net operating income to assets | 0.5440% | 4,450 |
| Return on assets (ROA) | 0.5440% | 4,553 |
| Pretax return on assets | 0.8096% | 4,164 |
| Return on Equity (ROE) | 6.1264% | 3,921 |
| Retained earnings to average equity (ytd only) | 6.1264% | 2,315 |
| Net charge-offs to loans | 1.1165% | 161 |
| Credit loss provision to net charge-offs | 123.8532% | 1,413 |
| Earnings coverage of net charge-offs (x) | 2.4128% | 2,683 |
| Efficiency ratio | 76.0255% | 2,174 |
| Assets per employee ($millions) | 3.7187% | 4,434 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2999% | 508 |
| Loan loss allowance to noncurrent loans | 131.8713% | 3,032 |
| Noncurrent assets plus other real estate owned to assets | 1.0820% | 2,047 |
| Noncurrent loans to loans | 1.7441% | 1,277 |
| Net loans and leases to total assets | 60.6109% | 3,698 |
| Net loans and leases to deposits | 72.5124% | 3,604 |
| Net loans and leases to core deposits | 82.6867% | 3,067 |
| Total domestic deposits to total assets | 83.5870% | 3,680 |
| Equity capital to assets | 9.0259% | 5,148 |
| Core capital (leverage) ratio | 8.7245% | 5,152 |
| Tier 1 risk-based capital ratio | 13.0299% | 4,248 |
| Total risk-based capital ratio | 14.2900% | 4,163 |
| Memoranda: | ||
| Average total assets | $63,239,000 | 5,217 |
| Average earning assets | $59,959,000 | 5,162 |
| Average equity | $5,615,000 | 5,490 |
| Average total loans | $39,050,500 | 5,046 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8600% | 64 |
| Cost of funding earning assets | 0.6449% | 1,099 |
| Net interest margin | 6.2151% | 63 |
| Noninterest income to average assets | 1.3304% | 680 |
| Noninterest expense to average assets | 5.0763% | 267 |
| Loan and lease loss provision to assets | 1.0784% | 74 |
| Net operating income to assets | 0.6527% | 4,023 |
| Return on assets (ROA) | 0.6527% | 4,123 |
| Pretax return on assets | 0.9832% | 3,531 |
| Return on Equity (ROE) | 7.0440% | 3,491 |
| Retained earnings to average equity (ytd only) | 3.6211% | 3,480 |
| Net charge-offs to loans | 1.2655% | 134 |
| Credit loss provision to net charge-offs | 137.1550% | 1,911 |
| Earnings coverage of net charge-offs (x) | 2.6221% | 3,862 |
| Efficiency ratio | 71.1179% | 3,049 |
| Assets per employee ($millions) | 3.7212% | 4,438 |
| Cash dividends to net income (ytd only)* | 48.5934% | 2,384 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2530% | 547 |
| Loan loss allowance to noncurrent loans | 261.4925% | 1,857 |
| Noncurrent assets plus other real estate owned to assets | 0.5296% | 3,518 |
| Noncurrent loans to loans | 0.8616% | 2,629 |
| Net loans and leases to total assets | 60.0790% | 3,825 |
| Net loans and leases to deposits | 74.1378% | 3,478 |
| Net loans and leases to core deposits | 84.9030% | 2,892 |
| Total domestic deposits to total assets | 81.0370% | 4,472 |
| Equity capital to assets | 8.7322% | 5,359 |
| Core capital (leverage) ratio | 8.4153% | 5,511 |
| Tier 1 risk-based capital ratio | 12.6638% | 4,531 |
| Total risk-based capital ratio | 13.9240% | 4,428 |
| Memoranda: | ||
| Average total assets | $59,906,000 | 5,321 |
| Average earning assets | $55,976,600 | 5,294 |
| Average equity | $5,550,800 | 5,530 |
| Average total loans | $37,217,400 | 5,112 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8993% | 62 |
| Cost of funding earning assets | 0.6307% | 1,209 |
| Net interest margin | 6.2686% | 62 |
| Noninterest income to average assets | 1.3566% | 664 |
| Noninterest expense to average assets | 5.0540% | 273 |
| Loan and lease loss provision to assets | 1.2099% | 50 |
| Net operating income to assets | 0.6772% | 4,001 |
| Return on assets (ROA) | 0.6772% | 4,114 |
| Pretax return on assets | 0.9255% | 3,895 |
| Return on Equity (ROE) | 7.1973% | 3,528 |
| Retained earnings to average equity (ytd only) | 7.1973% | 1,599 |
| Net charge-offs to loans | 1.3550% | 116 |
| Credit loss provision to net charge-offs | 143.3155% | 1,743 |
| Earnings coverage of net charge-offs (x) | 2.5294% | 3,657 |
| Efficiency ratio | 70.2983% | 3,164 |
| Assets per employee ($millions) | 3.6990% | 4,451 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1261% | 733 |
| Loan loss allowance to noncurrent loans | 427.2277% | 1,183 |
| Noncurrent assets plus other real estate owned to assets | 0.3034% | 4,557 |
| Noncurrent loans to loans | 0.4977% | 3,855 |
| Net loans and leases to total assets | 59.6663% | 3,921 |
| Net loans and leases to deposits | 73.7433% | 3,569 |
| Net loans and leases to core deposits | 83.8547% | 3,058 |
| Total domestic deposits to total assets | 80.9108% | 4,496 |
| Equity capital to assets | 8.5699% | 5,661 |
| Core capital (leverage) ratio | 9.1278% | 4,841 |
| Tier 1 risk-based capital ratio | 11.7855% | 5,219 |
| Total risk-based capital ratio | 13.0438% | 5,125 |
| Memoranda: | ||
| Average total assets | $59,067,500 | 5,405 |
| Average earning assets | $54,960,750 | 5,389 |
| Average equity | $5,557,500 | 5,600 |
| Average total loans | $36,801,250 | 5,184 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0603% | 59 |
| Cost of funding earning assets | 0.6259% | 1,254 |
| Net interest margin | 6.4344% | 58 |
| Noninterest income to average assets | 1.3755% | 661 |
| Noninterest expense to average assets | 5.2261% | 250 |
| Loan and lease loss provision to assets | 0.9901% | 69 |
| Net operating income to assets | 0.8910% | 2,929 |
| Return on assets (ROA) | 0.8910% | 3,053 |
| Pretax return on assets | 1.1209% | 3,088 |
| Return on Equity (ROE) | 9.1503% | 2,456 |
| Retained earnings to average equity (ytd only) | 9.1503% | 877 |
| Net charge-offs to loans | 1.0468% | 195 |
| Credit loss provision to net charge-offs | 150.5376% | 1,525 |
| Earnings coverage of net charge-offs (x) | 3.2097% | 3,222 |
| Efficiency ratio | 71.2289% | 3,124 |
| Assets per employee ($millions) | 3.1949% | 5,349 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0841% | 875 |
| Loan loss allowance to noncurrent loans | 326.2295% | 1,503 |
| Noncurrent assets plus other real estate owned to assets | 0.4243% | 4,217 |
| Noncurrent loans to loans | 0.6388% | 3,558 |
| Net loans and leases to total assets | 65.0298% | 3,120 |
| Net loans and leases to deposits | 78.0980% | 3,011 |
| Net loans and leases to core deposits | 90.9086% | 2,253 |
| Total domestic deposits to total assets | 83.2670% | 3,846 |
| Equity capital to assets | 9.6576% | 4,461 |
| Core capital (leverage) ratio | 9.9248% | 3,712 |
| Tier 1 risk-based capital ratio | 13.2772% | 4,359 |
| Total risk-based capital ratio | 14.5347% | 4,283 |
| Memoranda: | ||
| Average total assets | $56,562,670 | 5,526 |
| Average earning assets | $52,405,670 | 5,502 |
| Average equity | $5,508,000 | 5,663 |
| Average total loans | $35,538,330 | 5,277 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9394% | 59 |
| Cost of funding earning assets | 0.6210% | 1,299 |
| Net interest margin | 6.3184% | 61 |
| Noninterest income to average assets | 1.3336% | 645 |
| Noninterest expense to average assets | 5.2345% | 254 |
| Loan and lease loss provision to assets | 0.9627% | 86 |
| Net operating income to assets | 0.7274% | 3,657 |
| Return on assets (ROA) | 0.7274% | 3,795 |
| Pretax return on assets | 0.9414% | 3,734 |
| Return on Equity (ROE) | 7.4385% | 3,250 |
| Retained earnings to average equity (ytd only) | 7.4385% | 1,791 |
| Net charge-offs to loans | 1.3446% | 150 |
| Credit loss provision to net charge-offs | 117.3913% | 1,465 |
| Earnings coverage of net charge-offs (x) | 2.3217% | 2,781 |
| Efficiency ratio | 73.3267% | 2,940 |
| Assets per employee ($millions) | 3.2250% | 5,371 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0637% | 973 |
| Loan loss allowance to noncurrent loans | 224.2236% | 2,021 |
| Noncurrent assets plus other real estate owned to assets | 0.5873% | 3,720 |
| Noncurrent loans to loans | 0.9204% | 2,939 |
| Net loans and leases to total assets | 62.4970% | 3,288 |
| Net loans and leases to deposits | 74.7143% | 3,198 |
| Net loans and leases to core deposits | 82.5042% | 2,906 |
| Total domestic deposits to total assets | 83.6480% | 3,958 |
| Equity capital to assets | 10.0994% | 4,019 |
| Core capital (leverage) ratio | 9.7927% | 3,902 |
| Tier 1 risk-based capital ratio | 18.4098% | 2,028 |
| Total risk-based capital ratio | 19.9709% | 1,899 |
| Memoranda: | ||
| Average total assets | $56,089,500 | 5,586 |
| Average earning assets | $51,532,000 | 5,579 |
| Average equity | $5,485,000 | 5,718 |
| Average total loans | $34,210,500 | 5,363 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3777% | 55 |
| Cost of funding earning assets | 0.7002% | 1,112 |
| Net interest margin | 6.6775% | 55 |
| Noninterest income to average assets | 1.4618% | 571 |
| Noninterest expense to average assets | 5.5836% | 220 |
| Loan and lease loss provision to assets | 1.0399% | 102 |
| Net operating income to assets | 0.6754% | 4,012 |
| Return on assets (ROA) | 0.6754% | 4,124 |
| Pretax return on assets | 0.9963% | 3,511 |
| Return on Equity (ROE) | 6.4088% | 3,952 |
| Retained earnings to average equity (ytd only) | 3.2890% | 3,891 |
| Net charge-offs to loans | 1.3614% | 186 |
| Credit loss provision to net charge-offs | 123.8208% | 1,930 |
| Earnings coverage of net charge-offs (x) | 2.4245% | 4,154 |
| Efficiency ratio | 73.2779% | 2,970 |
| Assets per employee ($millions) | 3.1863% | 5,449 |
| Cash dividends to net income (ytd only)* | 48.6804% | 2,353 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0966% | 950 |
| Loan loss allowance to noncurrent loans | 865.4321% | 676 |
| Noncurrent assets plus other real estate owned to assets | 0.1412% | 5,467 |
| Noncurrent loans to loans | 0.2423% | 4,963 |
| Net loans and leases to total assets | 57.0736% | 4,181 |
| Net loans and leases to deposits | 67.8706% | 4,140 |
| Net loans and leases to core deposits | 74.5632% | 3,868 |
| Total domestic deposits to total assets | 84.0918% | 3,671 |
| Equity capital to assets | 9.4727% | 4,749 |
| Core capital (leverage) ratio | 9.5331% | 4,196 |
| Tier 1 risk-based capital ratio | 14.2592% | 3,926 |
| Total risk-based capital ratio | 15.5192% | 3,846 |
| Memoranda: | ||
| Average total assets | $50,487,000 | 5,775 |
| Average earning assets | $46,559,400 | 5,764 |
| Average equity | $5,320,800 | 5,785 |
| Average total loans | $31,144,000 | 5,523 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5545% | 54 |
| Cost of funding earning assets | 0.7276% | 1,005 |
| Net interest margin | 6.8268% | 54 |
| Noninterest income to average assets | 1.5364% | 533 |
| Noninterest expense to average assets | 5.7493% | 202 |
| Loan and lease loss provision to assets | 1.0525% | 107 |
| Net operating income to assets | 0.7901% | 3,469 |
| Return on assets (ROA) | 0.7901% | 3,574 |
| Pretax return on assets | 1.0443% | 3,406 |
| Return on Equity (ROE) | 7.2801% | 3,565 |
| Retained earnings to average equity (ytd only) | 7.2801% | 1,685 |
| Net charge-offs to loans | 1.5701% | 148 |
| Credit loss provision to net charge-offs | 106.9444% | 2,081 |
| Earnings coverage of net charge-offs (x) | 2.1305% | 3,987 |
| Efficiency ratio | 73.2753% | 2,945 |
| Assets per employee ($millions) | 2.9418% | 5,796 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8334% | 1,620 |
| Loan loss allowance to noncurrent loans | 1,420.4545% | 418 |
| Noncurrent assets plus other real estate owned to assets | 0.0831% | 5,836 |
| Noncurrent loans to loans | 0.1291% | 5,532 |
| Net loans and leases to total assets | 63.1987% | 3,314 |
| Net loans and leases to deposits | 71.4209% | 3,745 |
| Net loans and leases to core deposits | 76.5264% | 3,687 |
| Total domestic deposits to total assets | 88.4877% | 1,508 |
| Equity capital to assets | 10.3887% | 3,693 |
| Core capital (leverage) ratio | 10.7111% | 2,808 |
| Tier 1 risk-based capital ratio | 12.3887% | 5,235 |
| Total risk-based capital ratio | 13.6408% | 5,165 |
| Memoranda: | ||
| Average total assets | $48,770,250 | 5,882 |
| Average earning assets | $45,076,000 | 5,862 |
| Average equity | $5,292,750 | 5,848 |
| Average total loans | $30,571,250 | 5,598 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4787% | 54 |
| Cost of funding earning assets | 0.7204% | 1,085 |
| Net interest margin | 6.7583% | 52 |
| Noninterest income to average assets | 1.5451% | 521 |
| Noninterest expense to average assets | 5.9481% | 187 |
| Loan and lease loss provision to assets | 0.8654% | 135 |
| Net operating income to assets | 0.8148% | 3,256 |
| Return on assets (ROA) | 0.8148% | 3,360 |
| Pretax return on assets | 1.0680% | 3,217 |
| Return on Equity (ROE) | 7.3899% | 3,424 |
| Retained earnings to average equity (ytd only) | 7.3899% | 1,571 |
| Net charge-offs to loans | 1.3402% | 221 |
| Credit loss provision to net charge-offs | 104.0609% | 1,919 |
| Earnings coverage of net charge-offs (x) | 2.3249% | 3,576 |
| Efficiency ratio | 75.4687% | 2,730 |
| Assets per employee ($millions) | 2.5312% | 6,270 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9400% | 1,481 |
| Loan loss allowance to noncurrent loans | 125.1029% | 3,110 |
| Noncurrent assets plus other real estate owned to assets | 1.0105% | 3,047 |
| Noncurrent loans to loans | 1.5507% | 2,236 |
| Net loans and leases to total assets | 63.9033% | 3,086 |
| Net loans and leases to deposits | 76.4312% | 2,994 |
| Net loans and leases to core deposits | 82.8718% | 2,869 |
| Total domestic deposits to total assets | 83.6088% | 4,072 |
| Equity capital to assets | 11.2657% | 2,646 |
| Core capital (leverage) ratio | 10.9115% | 2,519 |
| Tier 1 risk-based capital ratio | 15.0585% | 3,603 |
| Total risk-based capital ratio | 16.2827% | 3,563 |
| Memoranda: | ||
| Average total assets | $47,376,330 | 5,973 |
| Average earning assets | $44,419,670 | 5,937 |
| Average equity | $5,223,330 | 5,907 |
| Average total loans | $29,398,330 | 5,680 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4041% | 55 |
| Cost of funding earning assets | 0.6961% | 1,270 |
| Net interest margin | 6.7080% | 57 |
| Noninterest income to average assets | 1.4973% | 523 |
| Noninterest expense to average assets | 6.0573% | 185 |
| Loan and lease loss provision to assets | 0.7231% | 166 |
| Net operating income to assets | 0.7572% | 3,368 |
| Return on assets (ROA) | 0.7572% | 3,457 |
| Pretax return on assets | 1.0294% | 3,212 |
| Return on Equity (ROE) | 6.9450% | 3,507 |
| Retained earnings to average equity (ytd only) | 6.9450% | 2,074 |
| Net charge-offs to loans | 0.7317% | 475 |
| Credit loss provision to net charge-offs | 163.4615% | 1,188 |
| Earnings coverage of net charge-offs (x) | 3.9615% | 2,593 |
| Efficiency ratio | 77.5599% | 2,542 |
| Assets per employee ($millions) | 2.4649% | 6,392 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1545% | 1,228 |
| Loan loss allowance to noncurrent loans | 439.5833% | 1,058 |
| Noncurrent assets plus other real estate owned to assets | 0.3075% | 5,232 |
| Noncurrent loans to loans | 0.4901% | 4,687 |
| Net loans and leases to total assets | 61.3828% | 3,332 |
| Net loans and leases to deposits | 71.3686% | 3,421 |
| Net loans and leases to core deposits | 77.3690% | 3,266 |
| Total domestic deposits to total assets | 86.0080% | 3,358 |
| Equity capital to assets | 11.1180% | 2,606 |
| Core capital (leverage) ratio | 10.9482% | 2,435 |
| Tier 1 risk-based capital ratio | 15.8799% | 3,229 |
| Total risk-based capital ratio | 17.0501% | 3,233 |
| Memoranda: | ||
| Average total assets | $47,018,000 | 6,040 |
| Average earning assets | $44,245,500 | 5,995 |
| Average equity | $5,126,000 | 5,965 |
| Average total loans | $28,427,000 | 5,777 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0626% | 60 |
| Cost of funding earning assets | 0.8125% | 1,143 |
| Net interest margin | 6.2501% | 62 |
| Noninterest income to average assets | 1.5674% | 584 |
| Noninterest expense to average assets | 5.4278% | 260 |
| Loan and lease loss provision to assets | 0.5907% | 425 |
| Net operating income to assets | 0.9197% | 2,683 |
| Return on assets (ROA) | 0.9197% | 2,769 |
| Pretax return on assets | 1.2446% | 2,394 |
| Return on Equity (ROE) | 8.7691% | 2,659 |
| Retained earnings to average equity (ytd only) | 8.7691% | 827 |
| Net charge-offs to loans | 0.5549% | 1,193 |
| Credit loss provision to net charge-offs | 194.4444% | 1,181 |
| Earnings coverage of net charge-offs (x) | 6.0417% | 3,142 |
| Efficiency ratio | 74.7313% | 3,007 |
| Assets per employee ($millions) | 2.4843% | 6,411 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1840% | 1,195 |
| Loan loss allowance to noncurrent loans | 1,714.2857% | 337 |
| Noncurrent assets plus other real estate owned to assets | 0.0741% | 6,129 |
| Noncurrent loans to loans | 0.1274% | 5,821 |
| Net loans and leases to total assets | 56.9319% | 4,199 |
| Net loans and leases to deposits | 64.0963% | 4,497 |
| Net loans and leases to core deposits | 69.2567% | 4,371 |
| Total domestic deposits to total assets | 88.8225% | 1,735 |
| Equity capital to assets | 10.6881% | 2,948 |
| Core capital (leverage) ratio | 10.3918% | 3,028 |
| Tier 1 risk-based capital ratio | 16.3637% | 2,925 |
| Total risk-based capital ratio | 17.6033% | 2,882 |
| Memoranda: | ||
| Average total assets | $47,404,200 | 6,082 |
| Average earning assets | $43,199,400 | 6,073 |
| Average equity | $4,972,000 | 6,074 |
| Average total loans | $25,952,600 | 5,936 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9280% | 65 |
| Cost of funding earning assets | 0.8489% | 1,051 |
| Net interest margin | 6.0791% | 76 |
| Noninterest income to average assets | 1.5706% | 596 |
| Noninterest expense to average assets | 5.2231% | 296 |
| Loan and lease loss provision to assets | 0.6181% | 385 |
| Net operating income to assets | 1.0311% | 2,254 |
| Return on assets (ROA) | 1.0311% | 2,335 |
| Pretax return on assets | 1.2222% | 2,610 |
| Return on Equity (ROE) | 9.8778% | 2,234 |
| Retained earnings to average equity (ytd only) | 9.8778% | 815 |
| Net charge-offs to loans | 0.7873% | 749 |
| Credit loss provision to net charge-offs | 145.6954% | 1,619 |
| Earnings coverage of net charge-offs (x) | 4.3377% | 3,465 |
| Efficiency ratio | 73.9459% | 3,081 |
| Assets per employee ($millions) | 2.5399% | 6,438 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8942% | 2,022 |
| Loan loss allowance to noncurrent loans | 692.2078% | 684 |
| Noncurrent assets plus other real estate owned to assets | 0.1596% | 5,957 |
| Noncurrent loans to loans | 0.2736% | 5,550 |
| Net loans and leases to total assets | 57.2038% | 4,140 |
| Net loans and leases to deposits | 67.1434% | 4,161 |
| Net loans and leases to core deposits | 74.8678% | 3,750 |
| Total domestic deposits to total assets | 85.1965% | 3,635 |
| Equity capital to assets | 10.4913% | 3,287 |
| Core capital (leverage) ratio | 10.4636% | 3,045 |
| Tier 1 risk-based capital ratio | 15.6241% | 3,387 |
| Total risk-based capital ratio | 16.8640% | 3,362 |
| Memoranda: | ||
| Average total assets | $47,454,750 | 6,149 |
| Average earning assets | $42,878,000 | 6,151 |
| Average equity | $4,953,750 | 6,153 |
| Average total loans | $25,572,500 | 6,007 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8163% | 70 |
| Cost of funding earning assets | 0.8746% | 1,009 |
| Net interest margin | 5.9417% | 85 |
| Noninterest income to average assets | 1.5640% | 644 |
| Noninterest expense to average assets | 5.1921% | 312 |
| Loan and lease loss provision to assets | 0.5510% | 481 |
| Net operating income to assets | 0.9579% | 2,521 |
| Return on assets (ROA) | 0.9579% | 2,673 |
| Pretax return on assets | 1.1190% | 3,019 |
| Return on Equity (ROE) | 9.1920% | 2,539 |
| Retained earnings to average equity (ytd only) | 9.1920% | 1,061 |
| Net charge-offs to loans | 0.8820% | 711 |
| Credit loss provision to net charge-offs | 119.2661% | 1,868 |
| Earnings coverage of net charge-offs (x) | 3.6147% | 3,345 |
| Efficiency ratio | 75.6640% | 2,835 |
| Assets per employee ($millions) | 2.8554% | 6,085 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8543% | 2,250 |
| Loan loss allowance to noncurrent loans | 421.7391% | 1,012 |
| Noncurrent assets plus other real estate owned to assets | 0.2369% | 5,777 |
| Noncurrent loans to loans | 0.4397% | 5,163 |
| Net loans and leases to total assets | 52.8820% | 4,755 |
| Net loans and leases to deposits | 59.2882% | 5,042 |
| Net loans and leases to core deposits | 66.5785% | 4,632 |
| Total domestic deposits to total assets | 89.1949% | 1,508 |
| Equity capital to assets | 9.9707% | 3,956 |
| Core capital (leverage) ratio | 10.6980% | 2,670 |
| Tier 1 risk-based capital ratio | 14.9911% | 3,781 |
| Total risk-based capital ratio | 16.0166% | 3,894 |
| Memoranda: | ||
| Average total assets | $47,186,670 | 6,204 |
| Average earning assets | $42,075,330 | 6,223 |
| Average equity | $4,917,330 | 6,207 |
| Average total loans | $24,717,000 | 6,081 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7327% | 74 |
| Cost of funding earning assets | 0.9129% | 932 |
| Net interest margin | 5.8198% | 94 |
| Noninterest income to average assets | 1.4707% | 715 |
| Noninterest expense to average assets | 5.2549% | 310 |
| Loan and lease loss provision to assets | 0.7740% | 283 |
| Net operating income to assets | 0.5504% | 4,452 |
| Return on assets (ROA) | 0.5504% | 4,605 |
| Pretax return on assets | 0.7052% | 4,555 |
| Return on Equity (ROE) | 5.1655% | 4,483 |
| Retained earnings to average equity (ytd only) | 5.1655% | 3,133 |
| Net charge-offs to loans | 0.6834% | 899 |
| Credit loss provision to net charge-offs | 219.5122% | 1,017 |
| Earnings coverage of net charge-offs (x) | 4.1951% | 2,602 |
| Efficiency ratio | 78.0332% | 2,604 |
| Assets per employee ($millions) | 2.7100% | 6,388 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1218% | 1,749 |
| Loan loss allowance to noncurrent loans | 356.5517% | 1,135 |
| Noncurrent assets plus other real estate owned to assets | 0.3147% | 5,635 |
| Noncurrent loans to loans | 0.5951% | 4,951 |
| Net loans and leases to total assets | 51.7669% | 4,741 |
| Net loans and leases to deposits | 58.6388% | 4,953 |
| Net loans and leases to core deposits | 66.4595% | 4,476 |
| Total domestic deposits to total assets | 88.2809% | 2,139 |
| Equity capital to assets | 10.7619% | 3,241 |
| Core capital (leverage) ratio | 10.0698% | 3,304 |
| Tier 1 risk-based capital ratio | 16.3979% | 3,061 |
| Total risk-based capital ratio | 17.6720% | 3,001 |
| Memoranda: | ||
| Average total assets | $46,509,000 | 6,280 |
| Average earning assets | $42,063,500 | 6,277 |
| Average equity | $4,956,000 | 6,259 |
| Average total loans | $23,998,000 | 6,172 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1856% | 68 |
| Cost of funding earning assets | 1.1078% | 879 |
| Net interest margin | 6.0778% | 82 |
| Noninterest income to average assets | 1.7769% | 522 |
| Noninterest expense to average assets | 5.5853% | 264 |
| Loan and lease loss provision to assets | 0.8406% | 564 |
| Net operating income to assets | 0.5838% | 4,311 |
| Return on assets (ROA) | 0.5838% | 4,573 |
| Pretax return on assets | 0.9107% | 3,885 |
| Return on Equity (ROE) | 4.8201% | 4,768 |
| Retained earnings to average equity (ytd only) | -1.6003% | 6,104 |
| Net charge-offs to loans | 1.4975% | 597 |
| Credit loss provision to net charge-offs | 102.2727% | 2,944 |
| Earnings coverage of net charge-offs (x) | 2.1307% | 4,348 |
| Efficiency ratio | 76.1299% | 2,718 |
| Assets per employee ($millions) | 2.7616% | 6,353 |
| Cash dividends to net income (ytd only)* | 133.2000% | 265 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9636% | 2,121 |
| Loan loss allowance to noncurrent loans | 2,577.7778% | 234 |
| Noncurrent assets plus other real estate owned to assets | 0.0383% | 6,558 |
| Noncurrent loans to loans | 0.0762% | 6,294 |
| Net loans and leases to total assets | 49.3440% | 5,261 |
| Net loans and leases to deposits | 55.6180% | 5,485 |
| Net loans and leases to core deposits | 61.4173% | 5,216 |
| Total domestic deposits to total assets | 88.7194% | 1,755 |
| Equity capital to assets | 10.5521% | 3,464 |
| Core capital (leverage) ratio | 9.8274% | 3,626 |
| Tier 1 risk-based capital ratio | 16.6206% | 2,834 |
| Total risk-based capital ratio | 17.8761% | 2,803 |
| Memoranda: | ||
| Average total assets | $42,826,400 | 6,401 |
| Average earning assets | $39,175,400 | 6,387 |
| Average equity | $5,186,600 | 6,248 |
| Average total loans | $23,506,400 | 6,268 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2719% | 69 |
| Cost of funding earning assets | 1.1395% | 906 |
| Net interest margin | 6.1324% | 80 |
| Noninterest income to average assets | 1.8853% | 454 |
| Noninterest expense to average assets | 5.7069% | 242 |
| Loan and lease loss provision to assets | 0.9570% | 443 |
| Net operating income to assets | 0.6699% | 4,041 |
| Return on assets (ROA) | 0.6699% | 4,312 |
| Pretax return on assets | 0.8868% | 4,168 |
| Return on Equity (ROE) | 5.3385% | 4,669 |
| Retained earnings to average equity (ytd only) | 5.3385% | 3,132 |
| Net charge-offs to loans | 1.7436% | 461 |
| Credit loss provision to net charge-offs | 97.7199% | 3,064 |
| Earnings coverage of net charge-offs (x) | 1.8828% | 4,318 |
| Efficiency ratio | 75.5809% | 2,738 |
| Assets per employee ($millions) | 2.9306% | 6,162 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7809% | 2,857 |
| Loan loss allowance to noncurrent loans | 2,494.4444% | 220 |
| Noncurrent assets plus other real estate owned to assets | 0.0361% | 6,679 |
| Noncurrent loans to loans | 0.0714% | 6,441 |
| Net loans and leases to total assets | 49.7039% | 5,348 |
| Net loans and leases to deposits | 56.6167% | 5,576 |
| Net loans and leases to core deposits | 61.2491% | 5,430 |
| Total domestic deposits to total assets | 87.7903% | 2,180 |
| Equity capital to assets | 10.7525% | 3,552 |
| Core capital (leverage) ratio | 11.5453% | 1,953 |
| Tier 1 risk-based capital ratio | 16.6594% | 2,915 |
| Total risk-based capital ratio | 17.9110% | 2,879 |
| Memoranda: | ||
| Average total assets | $41,796,000 | 6,513 |
| Average earning assets | $38,613,500 | 6,485 |
| Average equity | $5,244,750 | 6,292 |
| Average total loans | $23,475,500 | 6,352 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.7373% | 57 |
| Cost of funding earning assets | 1.2199% | 751 |
| Net interest margin | 6.5174% | 67 |
| Noninterest income to average assets | 2.1165% | 370 |
| Noninterest expense to average assets | 6.0019% | 218 |
| Loan and lease loss provision to assets | 1.0225% | 431 |
| Net operating income to assets | 0.9509% | 2,655 |
| Return on assets (ROA) | 0.9509% | 2,913 |
| Pretax return on assets | 1.0736% | 3,398 |
| Return on Equity (ROE) | 7.1438% | 3,706 |
| Retained earnings to average equity (ytd only) | 7.1438% | 2,022 |
| Net charge-offs to loans | 1.7295% | 520 |
| Credit loss provision to net charge-offs | 101.0101% | 2,693 |
| Earnings coverage of net charge-offs (x) | 2.0707% | 3,952 |
| Efficiency ratio | 74.1162% | 3,055 |
| Assets per employee ($millions) | 2.2521% | 6,949 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9093% | 2,522 |
| Loan loss allowance to noncurrent loans | 1,237.8378% | 350 |
| Noncurrent assets plus other real estate owned to assets | 0.0966% | 6,560 |
| Noncurrent loans to loans | 0.1542% | 6,275 |
| Net loans and leases to total assets | 61.4601% | 3,540 |
| Net loans and leases to deposits | 72.5809% | 3,521 |
| Net loans and leases to core deposits | 81.5202% | 3,017 |
| Total domestic deposits to total assets | 84.6781% | 4,012 |
| Equity capital to assets | 13.8697% | 1,155 |
| Core capital (leverage) ratio | 12.6658% | 1,283 |
| Tier 1 risk-based capital ratio | 17.9516% | 2,305 |
| Total risk-based capital ratio | 19.1761% | 2,284 |
| Memoranda: | ||
| Average total assets | $39,121,000 | 6,661 |
| Average earning assets | $35,904,000 | 6,626 |
| Average equity | $5,207,330 | 6,331 |
| Average total loans | $22,896,670 | 6,420 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5823% | 61 |
| Cost of funding earning assets | 1.1767% | 1,077 |
| Net interest margin | 6.4055% | 71 |
| Noninterest income to average assets | 2.1144% | 374 |
| Noninterest expense to average assets | 5.8676% | 219 |
| Loan and lease loss provision to assets | 1.2140% | 313 |
| Net operating income to assets | 0.7385% | 3,690 |
| Return on assets (ROA) | 0.7385% | 3,925 |
| Pretax return on assets | 0.8700% | 4,156 |
| Return on Equity (ROE) | 5.6633% | 4,472 |
| Retained earnings to average equity (ytd only) | 5.6633% | 3,161 |
| Net charge-offs to loans | 2.0402% | 454 |
| Credit loss provision to net charge-offs | 105.2632% | 2,194 |
| Earnings coverage of net charge-offs (x) | 1.8070% | 3,435 |
| Efficiency ratio | 73.7913% | 3,128 |
| Assets per employee ($millions) | 2.2112% | 7,038 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0262% | 2,280 |
| Loan loss allowance to noncurrent loans | 1,184.6154% | 344 |
| Noncurrent assets plus other real estate owned to assets | 0.0980% | 6,635 |
| Noncurrent loans to loans | 0.1710% | 6,337 |
| Net loans and leases to total assets | 56.1253% | 4,360 |
| Net loans and leases to deposits | 65.3073% | 4,454 |
| Net loans and leases to core deposits | 72.8818% | 4,034 |
| Total domestic deposits to total assets | 85.9404% | 3,560 |
| Equity capital to assets | 13.0169% | 1,441 |
| Core capital (leverage) ratio | 11.7359% | 1,745 |
| Tier 1 risk-based capital ratio | 18.2092% | 2,221 |
| Total risk-based capital ratio | 19.4540% | 2,196 |
| Memoranda: | ||
| Average total assets | $39,539,000 | 6,700 |
| Average earning assets | $36,031,500 | 6,672 |
| Average equity | $5,156,000 | 6,381 |
| Average total loans | $22,351,000 | 6,490 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.2921% | 46 |
| Cost of funding earning assets | 1.1699% | 2,224 |
| Net interest margin | 7.1222% | 47 |
| Noninterest income to average assets | 1.8642% | 420 |
| Noninterest expense to average assets | 6.6041% | 166 |
| Loan and lease loss provision to assets | 1.1870% | 746 |
| Net operating income to assets | 0.5638% | 4,174 |
| Return on assets (ROA) | 0.5638% | 4,360 |
| Pretax return on assets | 0.6259% | 4,605 |
| Return on Equity (ROE) | 4.1678% | 4,768 |
| Retained earnings to average equity (ytd only) | 0.8575% | 5,464 |
| Net charge-offs to loans | 2.1420% | 611 |
| Credit loss provision to net charge-offs | 90.3491% | 3,991 |
| Earnings coverage of net charge-offs (x) | 1.3799% | 4,735 |
| Efficiency ratio | 78.4615% | 2,531 |
| Assets per employee ($millions) | 2.1820% | 7,088 |
| Cash dividends to net income (ytd only)* | 79.4258% | 805 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0821% | 2,059 |
| Loan loss allowance to noncurrent loans | 1,085.7143% | 373 |
| Noncurrent assets plus other real estate owned to assets | 0.1069% | 6,690 |
| Noncurrent loans to loans | 0.1918% | 6,366 |
| Net loans and leases to total assets | 54.6008% | 4,934 |
| Net loans and leases to deposits | 63.4843% | 5,066 |
| Net loans and leases to core deposits | 66.5209% | 5,205 |
| Total domestic deposits to total assets | 86.0067% | 3,321 |
| Equity capital to assets | 13.0640% | 1,457 |
| Core capital (leverage) ratio | 12.2973% | 1,443 |
| Tier 1 risk-based capital ratio | 18.6544% | 2,002 |
| Total risk-based capital ratio | 19.9452% | 1,954 |
| Memoranda: | ||
| Average total assets | $37,067,800 | 6,762 |
| Average earning assets | $34,104,600 | 6,749 |
| Average equity | $5,014,600 | 6,443 |
| Average total loans | $22,735,400 | 6,518 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.4405% | 45 |
| Cost of funding earning assets | 1.1833% | 2,426 |
| Net interest margin | 7.2573% | 43 |
| Noninterest income to average assets | 2.4245% | 276 |
| Noninterest expense to average assets | 6.7147% | 152 |
| Loan and lease loss provision to assets | 1.3145% | 566 |
| Net operating income to assets | 1.0151% | 2,268 |
| Return on assets (ROA) | 1.0151% | 2,425 |
| Pretax return on assets | 1.1137% | 2,955 |
| Return on Equity (ROE) | 7.4348% | 3,307 |
| Retained earnings to average equity (ytd only) | 7.4348% | 1,746 |
| Net charge-offs to loans | 2.2489% | 542 |
| Credit loss provision to net charge-offs | 93.0233% | 3,667 |
| Earnings coverage of net charge-offs (x) | 1.7183% | 4,364 |
| Efficiency ratio | 73.4425% | 3,289 |
| Assets per employee ($millions) | 2.1779% | 7,157 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9836% | 2,378 |
| Loan loss allowance to noncurrent loans | 3,661.5385% | 122 |
| Noncurrent assets plus other real estate owned to assets | 0.0332% | 6,972 |
| Noncurrent loans to loans | 0.0542% | 6,798 |
| Net loans and leases to total assets | 59.9980% | 4,126 |
| Net loans and leases to deposits | 70.5552% | 4,208 |
| Net loans and leases to core deposits | 76.3718% | 4,155 |
| Total domestic deposits to total assets | 85.0369% | 3,755 |
| Equity capital to assets | 13.2541% | 1,488 |
| Core capital (leverage) ratio | 12.1850% | 1,602 |
| Tier 1 risk-based capital ratio | 17.5365% | 2,427 |
| Total risk-based capital ratio | 18.8096% | 2,396 |
| Memoranda: | ||
| Average total assets | $36,515,750 | 6,844 |
| Average earning assets | $33,804,250 | 6,822 |
| Average equity | $4,985,500 | 6,505 |
| Average total loans | $22,944,000 | 6,580 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.5486% | 48 |
| Cost of funding earning assets | 1.1745% | 2,748 |
| Net interest margin | 7.3741% | 43 |
| Noninterest income to average assets | 2.4930% | 272 |
| Noninterest expense to average assets | 6.9231% | 145 |
| Loan and lease loss provision to assets | 1.3476% | 546 |
| Net operating income to assets | 0.9994% | 2,232 |
| Return on assets (ROA) | 0.9994% | 2,333 |
| Pretax return on assets | 1.0612% | 3,006 |
| Return on Equity (ROE) | 7.2426% | 3,324 |
| Retained earnings to average equity (ytd only) | 7.2426% | 1,766 |
| Net charge-offs to loans | 2.3547% | 532 |
| Credit loss provision to net charge-offs | 90.2256% | 3,447 |
| Earnings coverage of net charge-offs (x) | 1.6128% | 4,081 |
| Efficiency ratio | 74.1877% | 3,330 |
| Assets per employee ($millions) | 1.9754% | 7,307 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0356% | 2,272 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 64.5593% | 3,351 |
| Net loans and leases to deposits | 76.6017% | 3,358 |
| Net loans and leases to core deposits | 86.0001% | 2,906 |
| Total domestic deposits to total assets | 84.2792% | 4,225 |
| Equity capital to assets | 14.2275% | 1,023 |
| Core capital (leverage) ratio | 13.1673% | 1,097 |
| Tier 1 risk-based capital ratio | 17.7759% | 2,244 |
| Total risk-based capital ratio | 19.0641% | 2,186 |
| Memoranda: | ||
| Average total assets | $35,620,000 | 6,932 |
| Average earning assets | $33,034,670 | 6,904 |
| Average equity | $4,915,330 | 6,563 |
| Average total loans | $22,593,000 | 6,654 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.4884% | 49 |
| Cost of funding earning assets | 1.1630% | 3,072 |
| Net interest margin | 7.3255% | 50 |
| Noninterest income to average assets | 2.3225% | 298 |
| Noninterest expense to average assets | 6.9900% | 146 |
| Loan and lease loss provision to assets | 1.3464% | 501 |
| Net operating income to assets | 0.8415% | 2,815 |
| Return on assets (ROA) | 0.8415% | 2,874 |
| Pretax return on assets | 0.8415% | 3,736 |
| Return on Equity (ROE) | 6.1939% | 3,789 |
| Retained earnings to average equity (ytd only) | 6.1939% | 2,530 |
| Net charge-offs to loans | 1.6777% | 790 |
| Credit loss provision to net charge-offs | 129.0323% | 2,142 |
| Earnings coverage of net charge-offs (x) | 2.0968% | 3,251 |
| Efficiency ratio | 76.1614% | 3,137 |
| Assets per employee ($millions) | 2.0230% | 7,350 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3510% | 1,677 |
| Loan loss allowance to noncurrent loans | 2,300.0000% | 188 |
| Noncurrent assets plus other real estate owned to assets | 0.0632% | 7,004 |
| Noncurrent loans to loans | 0.1022% | 6,788 |
| Net loans and leases to total assets | 60.3394% | 4,197 |
| Net loans and leases to deposits | 70.6450% | 4,248 |
| Net loans and leases to core deposits | 76.7554% | 4,198 |
| Total domestic deposits to total assets | 85.4122% | 3,832 |
| Equity capital to assets | 13.4564% | 1,205 |
| Core capital (leverage) ratio | 12.5386% | 1,308 |
| Tier 1 risk-based capital ratio | 17.8442% | 2,167 |
| Total risk-based capital ratio | 19.1386% | 2,124 |
| Memoranda: | ||
| Average total assets | $35,651,000 | 6,979 |
| Average earning assets | $33,363,000 | 6,942 |
| Average equity | $4,843,500 | 6,606 |
| Average total loans | $22,173,000 | 6,730 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.5878% | 51 |
| Cost of funding earning assets | 1.2814% | 4,011 |
| Net interest margin | 7.3063% | 44 |
| Noninterest income to average assets | 2.3403% | 307 |
| Noninterest expense to average assets | 6.7701% | 170 |
| Loan and lease loss provision to assets | 1.0832% | 1,476 |
| Net operating income to assets | 0.9179% | 2,325 |
| Return on assets (ROA) | 0.9179% | 2,450 |
| Pretax return on assets | 1.2970% | 1,931 |
| Return on Equity (ROE) | 6.6819% | 3,265 |
| Retained earnings to average equity (ytd only) | 3.2372% | 3,604 |
| Net charge-offs to loans | 1.1595% | 1,927 |
| Credit loss provision to net charge-offs | 155.7377% | 2,272 |
| Earnings coverage of net charge-offs (x) | 3.4221% | 3,373 |
| Efficiency ratio | 73.9875% | 3,400 |
| Assets per employee ($millions) | 1.9382% | 7,443 |
| Cash dividends to net income (ytd only)* | 51.5528% | 2,004 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2980% | 1,697 |
| Loan loss allowance to noncurrent loans | 2,510.0000% | 183 |
| Noncurrent assets plus other real estate owned to assets | 0.0573% | 7,080 |
| Noncurrent loans to loans | 0.0916% | 6,901 |
| Net loans and leases to total assets | 61.1758% | 4,458 |
| Net loans and leases to deposits | 71.6232% | 4,582 |
| Net loans and leases to core deposits | 78.1080% | 4,452 |
| Total domestic deposits to total assets | 85.4133% | 3,656 |
| Equity capital to assets | 13.7211% | 1,123 |
| Core capital (leverage) ratio | 12.8790% | 1,169 |
| Tier 1 risk-based capital ratio | 18.1074% | 1,967 |
| Total risk-based capital ratio | 19.3985% | 1,921 |
| Memoranda: | ||
| Average total assets | $35,080,600 | 7,042 |
| Average earning assets | $32,697,600 | 6,993 |
| Average equity | $4,819,000 | 6,718 |
| Average total loans | $21,044,000 | 6,868 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.5122% | 52 |
| Cost of funding earning assets | 1.2882% | 4,304 |
| Net interest margin | 7.2239% | 48 |
| Noninterest income to average assets | 2.2925% | 311 |
| Noninterest expense to average assets | 6.4751% | 186 |
| Loan and lease loss provision to assets | 1.2146% | 1,174 |
| Net operating income to assets | 1.1880% | 1,627 |
| Return on assets (ROA) | 1.1880% | 1,720 |
| Pretax return on assets | 1.3284% | 2,096 |
| Return on Equity (ROE) | 8.6455% | 2,631 |
| Retained earnings to average equity (ytd only) | 8.6455% | 1,184 |
| Net charge-offs to loans | 1.4009% | 1,451 |
| Credit loss provision to net charge-offs | 146.1187% | 2,690 |
| Earnings coverage of net charge-offs (x) | 3.0594% | 3,602 |
| Efficiency ratio | 71.8013% | 3,740 |
| Assets per employee ($millions) | 2.1728% | 7,407 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0642% | 2,079 |
| Loan loss allowance to noncurrent loans | 15,566.6667% | 25 |
| Noncurrent assets plus other real estate owned to assets | 0.0081% | 7,348 |
| Noncurrent loans to loans | 0.0133% | 7,232 |
| Net loans and leases to total assets | 59.9843% | 4,919 |
| Net loans and leases to deposits | 70.8797% | 5,020 |
| Net loans and leases to core deposits | 79.7359% | 4,558 |
| Total domestic deposits to total assets | 84.6283% | 3,814 |
| Equity capital to assets | 13.6824% | 1,282 |
| Core capital (leverage) ratio | 12.7691% | 1,309 |
| Tier 1 risk-based capital ratio | 17.8039% | 2,077 |
| Total risk-based capital ratio | 19.0953% | 2,031 |
| Memoranda: | ||
| Average total assets | $35,128,750 | 7,126 |
| Average earning assets | $32,705,250 | 7,078 |
| Average equity | $4,827,000 | 6,804 |
| Average total loans | $20,843,750 | 6,967 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.4585% | 57 |
| Cost of funding earning assets | 1.2855% | 4,620 |
| Net interest margin | 7.1729% | 53 |
| Noninterest income to average assets | 2.1607% | 317 |
| Noninterest expense to average assets | 6.5690% | 174 |
| Loan and lease loss provision to assets | 1.3903% | 963 |
| Net operating income to assets | 0.7936% | 3,000 |
| Return on assets (ROA) | 0.7936% | 3,147 |
| Pretax return on assets | 0.8921% | 3,526 |
| Return on Equity (ROE) | 5.7668% | 3,908 |
| Retained earnings to average equity (ytd only) | 5.7668% | 2,459 |
| Net charge-offs to loans | 1.4123% | 1,350 |
| Credit loss provision to net charge-offs | 167.8322% | 2,339 |
| Earnings coverage of net charge-offs (x) | 2.7552% | 3,611 |
| Efficiency ratio | 74.2147% | 3,435 |
| Assets per employee ($millions) | 2.0531% | 7,551 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1545% | 1,854 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 60.2458% | 5,010 |
| Net loans and leases to deposits | 71.5131% | 5,071 |
| Net loans and leases to core deposits | 81.7027% | 4,459 |
| Total domestic deposits to total assets | 84.2445% | 3,991 |
| Equity capital to assets | 13.9190% | 1,196 |
| Core capital (leverage) ratio | 12.8315% | 1,265 |
| Tier 1 risk-based capital ratio | 18.1498% | 1,919 |
| Total risk-based capital ratio | 19.4337% | 1,877 |
| Memoranda: | ||
| Average total assets | $34,525,670 | 7,194 |
| Average earning assets | $32,204,330 | 7,146 |
| Average equity | $4,751,330 | 6,861 |
| Average total loans | $20,250,330 | 7,051 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.4091% | 63 |
| Cost of funding earning assets | 1.2995% | 4,817 |
| Net interest margin | 7.1096% | 60 |
| Noninterest income to average assets | 2.2133% | 299 |
| Noninterest expense to average assets | 6.5817% | 167 |
| Loan and lease loss provision to assets | 1.3979% | 856 |
| Net operating income to assets | 0.8271% | 2,850 |
| Return on assets (ROA) | 0.8271% | 2,945 |
| Pretax return on assets | 0.8620% | 3,621 |
| Return on Equity (ROE) | 6.0451% | 3,858 |
| Retained earnings to average equity (ytd only) | 6.0451% | 2,600 |
| Net charge-offs to loans | 0.3668% | 2,947 |
| Credit loss provision to net charge-offs | 666.6667% | 658 |
| Earnings coverage of net charge-offs (x) | 10.7778% | 1,713 |
| Efficiency ratio | 74.4401% | 3,500 |
| Assets per employee ($millions) | 2.1269% | 7,596 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3537% | 1,486 |
| Loan loss allowance to noncurrent loans | 1,234.2105% | 276 |
| Noncurrent assets plus other real estate owned to assets | 0.1051% | 7,218 |
| Noncurrent loans to loans | 0.1907% | 6,957 |
| Net loans and leases to total assets | 53.8111% | 6,050 |
| Net loans and leases to deposits | 62.8030% | 6,195 |
| Net loans and leases to core deposits | 73.1631% | 5,595 |
| Total domestic deposits to total assets | 85.6823% | 3,327 |
| Equity capital to assets | 13.0953% | 1,486 |
| Core capital (leverage) ratio | 12.8484% | 1,273 |
| Tier 1 risk-based capital ratio | 18.6354% | 1,803 |
| Total risk-based capital ratio | 19.8941% | 1,767 |
| Memoranda: | ||
| Average total assets | $34,337,500 | 7,289 |
| Average earning assets | $32,013,000 | 7,251 |
| Average equity | $4,698,000 | 6,947 |
| Average total loans | $19,630,500 | 7,176 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.4722% | 59 |
| Cost of funding earning assets | 1.4317% | 5,796 |
| Net interest margin | 7.0406% | 52 |
| Noninterest income to average assets | 2.1775% | 335 |
| Noninterest expense to average assets | 6.5935% | 239 |
| Loan and lease loss provision to assets | 1.1223% | 2,037 |
| Net operating income to assets | 0.7502% | 2,720 |
| Return on assets (ROA) | 0.7502% | 2,809 |
| Pretax return on assets | 1.0308% | 2,491 |
| Return on Equity (ROE) | 5.3532% | 3,499 |
| Retained earnings to average equity (ytd only) | 2.2414% | 3,548 |
| Net charge-offs to loans | 1.2085% | 2,037 |
| Credit loss provision to net charge-offs | 165.0224% | 2,645 |
| Earnings coverage of net charge-offs (x) | 3.1659% | 3,476 |
| Efficiency ratio | 75.3835% | 3,636 |
| Assets per employee ($millions) | 1.9128% | 7,775 |
| Cash dividends to net income (ytd only)* | 58.1301% | 2,083 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8981% | 2,264 |
| Loan loss allowance to noncurrent loans | 1,079.4118% | 344 |
| Noncurrent assets plus other real estate owned to assets | 0.1046% | 7,228 |
| Noncurrent loans to loans | 0.1758% | 6,981 |
| Net loans and leases to total assets | 58.3326% | 5,602 |
| Net loans and leases to deposits | 69.1733% | 5,702 |
| Net loans and leases to core deposits | 84.4110% | 5,681 |
| Total domestic deposits to total assets | 84.3282% | 3,874 |
| Equity capital to assets | 14.3340% | 1,067 |
| Core capital (leverage) ratio | 12.8466% | 1,300 |
| Tier 1 risk-based capital ratio | 19.3238% | 1,587 |
| Total risk-based capital ratio | 20.5796% | 1,546 |
| Memoranda: | ||
| Average total assets | $32,789,800 | 7,371 |
| Average earning assets | $30,594,000 | 7,333 |
| Average equity | $4,595,400 | 7,084 |
| Average total loans | $18,452,200 | 7,289 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.3408% | 62 |
| Cost of funding earning assets | 1.4581% | 6,012 |
| Net interest margin | 6.8827% | 55 |
| Noninterest income to average assets | 2.0979% | 336 |
| Noninterest expense to average assets | 6.4640% | 250 |
| Loan and lease loss provision to assets | 1.1889% | 1,635 |
| Net operating income to assets | 0.5519% | 3,787 |
| Return on assets (ROA) | 0.5519% | 3,868 |
| Pretax return on assets | 0.8805% | 3,284 |
| Return on Equity (ROE) | 3.9600% | 4,387 |
| Retained earnings to average equity (ytd only) | 3.9600% | 3,064 |
| Net charge-offs to loans | 1.0897% | 1,828 |
| Credit loss provision to net charge-offs | 196.6443% | 2,282 |
| Earnings coverage of net charge-offs (x) | 3.4228% | 3,541 |
| Efficiency ratio | 75.7489% | 3,556 |
| Assets per employee ($millions) | 2.0174% | 7,787 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8071% | 2,258 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 57.9864% | 5,896 |
| Net loans and leases to deposits | 69.2300% | 6,007 |
| Net loans and leases to core deposits | 85.7568% | 5,889 |
| Total domestic deposits to total assets | 83.7590% | 3,835 |
| Equity capital to assets | 13.8179% | 1,368 |
| Core capital (leverage) ratio | 12.7889% | 1,449 |
| Tier 1 risk-based capital ratio | 18.5063% | 1,859 |
| Total risk-based capital ratio | 19.7587% | 1,809 |
| Memoranda: | ||
| Average total assets | $32,858,000 | 7,429 |
| Average earning assets | $30,723,750 | 7,387 |
| Average equity | $4,579,000 | 7,150 |
| Average total loans | $18,231,500 | 7,369 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.2281% | 79 |
| Cost of funding earning assets | 1.4439% | 6,336 |
| Net interest margin | 6.7842% | 64 |
| Noninterest income to average assets | 2.0260% | 365 |
| Noninterest expense to average assets | 6.5475% | 264 |
| Loan and lease loss provision to assets | 0.6177% | 2,578 |
| Net operating income to assets | 0.8833% | 2,519 |
| Return on assets (ROA) | 0.8833% | 2,625 |
| Pretax return on assets | 1.2169% | 2,251 |
| Return on Equity (ROE) | 6.3195% | 3,515 |
| Retained earnings to average equity (ytd only) | 6.3195% | 1,873 |
| Net charge-offs to loans | 1.3783% | 1,358 |
| Credit loss provision to net charge-offs | 82.6446% | 5,127 |
| Earnings coverage of net charge-offs (x) | 2.4545% | 3,842 |
| Efficiency ratio | 78.1135% | 3,331 |
| Assets per employee ($millions) | 1.9467% | 7,885 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0581% | 5,849 |
| Loan loss allowance to noncurrent loans | 2,233.3333% | 184 |
| Noncurrent assets plus other real estate owned to assets | 0.0272% | 7,551 |
| Noncurrent loans to loans | 0.0474% | 7,422 |
| Net loans and leases to total assets | 56.7958% | 6,113 |
| Net loans and leases to deposits | 69.7932% | 6,009 |
| Net loans and leases to core deposits | 90.0839% | 5,526 |
| Total domestic deposits to total assets | 81.3773% | 4,934 |
| Equity capital to assets | 13.9542% | 1,327 |
| Core capital (leverage) ratio | 13.3968% | 1,303 |
| Tier 1 risk-based capital ratio | 18.2203% | 1,953 |
| Total risk-based capital ratio | 19.0464% | 2,019 |
| Memoranda: | ||
| Average total assets | $32,378,670 | 7,514 |
| Average earning assets | $30,335,000 | 7,471 |
| Average equity | $4,525,670 | 7,236 |
| Average total loans | $17,557,670 | 7,459 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.1168% | 82 |
| Cost of funding earning assets | 1.4394% | 6,614 |
| Net interest margin | 6.6773% | 64 |
| Noninterest income to average assets | 2.0362% | 356 |
| Noninterest expense to average assets | 6.4583% | 242 |
| Loan and lease loss provision to assets | 0.4997% | 2,465 |
| Net operating income to assets | 0.9993% | 2,313 |
| Return on assets (ROA) | 0.9993% | 2,449 |
| Pretax return on assets | 1.3366% | 2,162 |
| Return on Equity (ROE) | 7.1437% | 3,537 |
| Retained earnings to average equity (ytd only) | 7.1437% | 2,162 |
| Net charge-offs to loans | 0.5226% | 2,153 |
| Credit loss provision to net charge-offs | 181.8182% | 2,394 |
| Earnings coverage of net charge-offs (x) | 6.6818% | 2,453 |
| Efficiency ratio | 77.8614% | 3,187 |
| Assets per employee ($millions) | 1.8958% | 7,965 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3881% | 3,566 |
| Loan loss allowance to noncurrent loans | 2,000.0000% | 233 |
| Noncurrent assets plus other real estate owned to assets | 0.0372% | 7,505 |
| Noncurrent loans to loans | 0.0694% | 7,326 |
| Net loans and leases to total assets | 52.9027% | 6,589 |
| Net loans and leases to deposits | 67.1551% | 6,256 |
| Net loans and leases to core deposits | 83.1018% | 6,140 |
| Total domestic deposits to total assets | 78.7769% | 5,801 |
| Equity capital to assets | 14.1767% | 1,315 |
| Core capital (leverage) ratio | 13.4775% | 1,328 |
| Tier 1 risk-based capital ratio | 20.8818% | 1,469 |
| Total risk-based capital ratio | 22.0271% | 1,456 |
| Memoranda: | ||
| Average total assets | $32,021,000 | 7,565 |
| Average earning assets | $30,012,000 | 7,516 |
| Average equity | $4,479,500 | 7,293 |
| Average total loans | $16,838,000 | 7,542 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.7912% | 248 |
| Cost of funding earning assets | 1.6996% | 7,258 |
| Net interest margin | 6.0916% | 98 |
| Noninterest income to average assets | 2.2974% | 282 |
| Noninterest expense to average assets | 6.3978% | 347 |
| Loan and lease loss provision to assets | 0.3877% | 3,364 |
| Net operating income to assets | 0.9047% | 2,976 |
| Return on assets (ROA) | 0.9047% | 2,823 |
| Pretax return on assets | 1.2214% | 2,577 |
| Return on Equity (ROE) | 6.5405% | 3,732 |
| Retained earnings to average equity (ytd only) | 3.2002% | 3,156 |
| Net charge-offs to loans | 0.4779% | 2,445 |
| Credit loss provision to net charge-offs | 179.1045% | 2,820 |
| Earnings coverage of net charge-offs (x) | 7.4328% | 3,114 |
| Efficiency ratio | 79.9031% | 2,611 |
| Assets per employee ($millions) | 1.8714% | 8,005 |
| Cash dividends to net income (ytd only)* | 51.0714% | 3,073 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3548% | 3,450 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 50.8094% | 6,952 |
| Net loans and leases to deposits | 62.2986% | 6,922 |
| Net loans and leases to core deposits | 77.0154% | 6,796 |
| Total domestic deposits to total assets | 81.5579% | 4,386 |
| Equity capital to assets | 13.7994% | 1,495 |
| Core capital (leverage) ratio | 13.4197% | 1,409 |
| Tier 1 risk-based capital ratio | 21.3403% | 1,417 |
| Total risk-based capital ratio | 22.4423% | 1,403 |
| Memoranda: | ||
| Average total assets | $30,948,000 | 7,604 |
| Average earning assets | $29,007,000 | 7,563 |
| Average equity | $4,281,000 | 7,400 |
| Average total loans | $14,020,600 | 7,702 |