Home > State Bank of Schaller > Performance and Condition Ratios
State Bank of Schaller, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6632% | 3,664 |
| Cost of funding earning assets | 1.7722% | 2,530 |
| Net interest margin | 2.8910% | 3,573 |
| Noninterest income to average assets | 0.7200% | 983 |
| Noninterest expense to average assets | 1.8193% | 3,877 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | 1.2543% | 1,585 |
| Return on assets (ROA) | 1.2543% | 1,583 |
| Pretax return on assets | 1.6948% | 1,117 |
| Return on Equity (ROE) | 10.1400% | 2,275 |
| Retained earnings to average equity (ytd only) | 10.1364% | 1,153 |
| Net charge-offs to loans | 0.0000% | 2,326 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 51.7711% | 3,773 |
| Assets per employee ($millions) | 8.3054% | 1,400 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5256% | 955 |
| Loan loss allowance to noncurrent loans | 42.3174% | 3,553 |
| Noncurrent assets plus other real estate owned to assets | 0.9560% | 752 |
| Noncurrent loans to loans | 3.6052% | 150 |
| Net loans and leases to total assets | 26.1100% | 4,244 |
| Net loans and leases to deposits | 30.0313% | 4,258 |
| Net loans and leases to core deposits | 34.7586% | 4,226 |
| Total domestic deposits to total assets | 86.9500% | 1,941 |
| Equity capital to assets | 12.6592% | 1,017 |
| Core capital (leverage) ratio | 12.5510% | 1,252 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $41,775,000 | 4,271 |
| Average earning assets | $40,401,500 | 4,240 |
| Average equity | $5,169,500 | 4,226 |
| Average total loans | $11,130,500 | 4,299 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3581% | 4,020 |
| Cost of funding earning assets | 1.4636% | 3,423 |
| Net interest margin | 2.8945% | 3,327 |
| Noninterest income to average assets | 0.7700% | 981 |
| Noninterest expense to average assets | 2.3696% | 2,668 |
| Loan and lease loss provision to assets | 0.0000% | 3,171 |
| Net operating income to assets | 0.9999% | 2,057 |
| Return on assets (ROA) | 0.9999% | 2,049 |
| Pretax return on assets | 1.2067% | 1,974 |
| Return on Equity (ROE) | 8.2000% | 2,699 |
| Retained earnings to average equity (ytd only) | 0.2196% | 3,848 |
| Net charge-offs to loans | 0.0169% | 2,299 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 248.0000% | 436 |
| Efficiency ratio | 66.2585% | 2,461 |
| Assets per employee ($millions) | 10.5058% | 661 |
| Cash dividends to net income (ytd only)* | 97.3236% | 283 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4935% | 1,038 |
| Loan loss allowance to noncurrent loans | 40.3846% | 3,594 |
| Noncurrent assets plus other real estate owned to assets | 0.9899% | 669 |
| Noncurrent loans to loans | 3.6981% | 122 |
| Net loans and leases to total assets | 26.3700% | 4,265 |
| Net loans and leases to deposits | 30.2182% | 4,279 |
| Net loans and leases to core deposits | 36.1557% | 4,237 |
| Total domestic deposits to total assets | 87.2600% | 1,784 |
| Equity capital to assets | 12.0934% | 1,146 |
| Core capital (leverage) ratio | 12.3864% | 1,282 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $41,103,400 | 4,295 |
| Average earning assets | $39,834,000 | 4,260 |
| Average equity | $5,009,200 | 4,240 |
| Average total loans | $11,864,000 | 4,311 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2716% | 4,086 |
| Cost of funding earning assets | 1.6468% | 3,064 |
| Net interest margin | 2.6248% | 3,729 |
| Noninterest income to average assets | 0.7700% | 943 |
| Noninterest expense to average assets | 1.8854% | 3,781 |
| Loan and lease loss provision to assets | 0.0000% | 3,009 |
| Net operating income to assets | 1.2004% | 1,520 |
| Return on assets (ROA) | 1.2004% | 1,526 |
| Pretax return on assets | 1.4288% | 1,446 |
| Return on Equity (ROE) | 9.8300% | 2,246 |
| Retained earnings to average equity (ytd only) | -0.8549% | 4,121 |
| Net charge-offs to loans | 0.0222% | 1,912 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 219.0000% | 483 |
| Efficiency ratio | 56.8898% | 3,469 |
| Assets per employee ($millions) | 7.0575% | 2,107 |
| Cash dividends to net income (ytd only)* | 108.6957% | 186 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5066% | 1,033 |
| Loan loss allowance to noncurrent loans | 40.0000% | 3,638 |
| Noncurrent assets plus other real estate owned to assets | 0.9919% | 670 |
| Noncurrent loans to loans | 3.7665% | 125 |
| Net loans and leases to total assets | 25.9400% | 4,303 |
| Net loans and leases to deposits | 29.5592% | 4,322 |
| Net loans and leases to core deposits | 31.2194% | 4,311 |
| Total domestic deposits to total assets | 87.7500% | 1,318 |
| Equity capital to assets | 11.9093% | 1,316 |
| Core capital (leverage) ratio | 12.4824% | 1,285 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $40,873,500 | 4,320 |
| Average earning assets | $39,672,250 | 4,291 |
| Average equity | $4,991,000 | 4,267 |
| Average total loans | $12,017,750 | 4,333 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2364% | 4,099 |
| Cost of funding earning assets | 1.5702% | 3,138 |
| Net interest margin | 2.6662% | 3,646 |
| Noninterest income to average assets | 0.7200% | 1,042 |
| Noninterest expense to average assets | 1.8671% | 3,821 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 1.2282% | 1,406 |
| Return on assets (ROA) | 1.2282% | 1,409 |
| Pretax return on assets | 1.4462% | 1,383 |
| Return on Equity (ROE) | 9.9700% | 2,194 |
| Retained earnings to average equity (ytd only) | 9.9725% | 890 |
| Net charge-offs to loans | 0.0000% | 2,619 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 56.3528% | 3,546 |
| Assets per employee ($millions) | 5.8604% | 2,915 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4053% | 1,365 |
| Loan loss allowance to noncurrent loans | 30.2326% | 3,726 |
| Noncurrent assets plus other real estate owned to assets | 1.3627% | 384 |
| Noncurrent loans to loans | 4.6483% | 71 |
| Net loans and leases to total assets | 28.9000% | 4,280 |
| Net loans and leases to deposits | 33.1460% | 4,300 |
| Net loans and leases to core deposits | 36.4876% | 4,272 |
| Total domestic deposits to total assets | 87.2000% | 1,578 |
| Equity capital to assets | 12.1785% | 1,107 |
| Core capital (leverage) ratio | 13.6305% | 892 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $40,383,000 | 4,345 |
| Average earning assets | $39,231,333 | 4,313 |
| Average equity | $4,973,667 | 4,276 |
| Average total loans | $12,306,667 | 4,349 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0435% | 4,225 |
| Cost of funding earning assets | 1.5086% | 3,173 |
| Net interest margin | 2.5349% | 3,822 |
| Noninterest income to average assets | 0.7300% | 958 |
| Noninterest expense to average assets | 1.9969% | 3,587 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 1.0483% | 1,813 |
| Return on assets (ROA) | 1.0483% | 1,814 |
| Pretax return on assets | 1.1981% | 1,893 |
| Return on Equity (ROE) | 8.4600% | 2,560 |
| Retained earnings to average equity (ytd only) | 8.4635% | 1,433 |
| Net charge-offs to loans | -0.0321% | 4,234 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 62.5000% | 2,979 |
| Assets per employee ($millions) | 9.7963% | 779 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3478% | 1,575 |
| Loan loss allowance to noncurrent loans | 29.7203% | 3,740 |
| Noncurrent assets plus other real estate owned to assets | 1.4597% | 316 |
| Noncurrent loans to loans | 4.5350% | 75 |
| Net loans and leases to total assets | 31.7500% | 4,250 |
| Net loans and leases to deposits | 36.5895% | 4,251 |
| Net loans and leases to core deposits | 40.0986% | 4,272 |
| Total domestic deposits to total assets | 86.7900% | 1,851 |
| Equity capital to assets | 12.8136% | 908 |
| Core capital (leverage) ratio | 13.7118% | 854 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $40,063,000 | 4,373 |
| Average earning assets | $38,976,000 | 4,338 |
| Average equity | $4,962,500 | 4,299 |
| Average total loans | $12,447,000 | 4,372 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9895% | 3,980 |
| Cost of funding earning assets | 1.2774% | 2,579 |
| Net interest margin | 2.7121% | 3,804 |
| Noninterest income to average assets | 0.8700% | 812 |
| Noninterest expense to average assets | 1.9469% | 3,740 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.3299% | 1,368 |
| Return on assets (ROA) | 1.1263% | 1,817 |
| Pretax return on assets | 1.3056% | 1,856 |
| Return on Equity (ROE) | 10.4400% | 2,374 |
| Retained earnings to average equity (ytd only) | 4.0496% | 2,943 |
| Net charge-offs to loans | 0.2648% | 404 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 20.9688% | 1,845 |
| Efficiency ratio | 55.7971% | 3,519 |
| Assets per employee ($millions) | 10.2353% | 654 |
| Cash dividends to net income (ytd only)* | 61.2245% | 1,135 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3843% | 1,442 |
| Loan loss allowance to noncurrent loans | 35.4167% | 3,702 |
| Noncurrent assets plus other real estate owned to assets | 1.1724% | 379 |
| Noncurrent loans to loans | 3.9085% | 85 |
| Net loans and leases to total assets | 29.5800% | 4,302 |
| Net loans and leases to deposits | 33.7429% | 4,310 |
| Net loans and leases to core deposits | 36.5991% | 4,335 |
| Total domestic deposits to total assets | 87.6700% | 1,462 |
| Equity capital to assets | 11.9782% | 1,130 |
| Core capital (leverage) ratio | 12.6284% | 1,169 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $43,506,000 | 4,367 |
| Average earning assets | $41,960,600 | 4,325 |
| Average equity | $4,691,800 | 4,288 |
| Average total loans | $12,084,000 | 4,388 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9358% | 3,942 |
| Cost of funding earning assets | 1.1833% | 2,481 |
| Net interest margin | 2.7526% | 3,803 |
| Noninterest income to average assets | 0.7200% | 1,124 |
| Noninterest expense to average assets | 2.1365% | 3,244 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.0713% | 2,144 |
| Return on assets (ROA) | 1.0713% | 2,131 |
| Pretax return on assets | 1.2252% | 2,237 |
| Return on Equity (ROE) | 10.1300% | 2,604 |
| Retained earnings to average equity (ytd only) | 10.1251% | 1,369 |
| Net charge-offs to loans | -0.0111% | 3,961 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 63.5548% | 2,555 |
| Assets per employee ($millions) | 10.4123% | 593 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7743% | 596 |
| Loan loss allowance to noncurrent loans | 103.5897% | 3,180 |
| Noncurrent assets plus other real estate owned to assets | 0.4682% | 1,239 |
| Noncurrent loans to loans | 1.7128% | 393 |
| Net loans and leases to total assets | 26.8500% | 4,366 |
| Net loans and leases to deposits | 30.5513% | 4,371 |
| Net loans and leases to core deposits | 32.4211% | 4,363 |
| Total domestic deposits to total assets | 87.8900% | 1,613 |
| Equity capital to assets | 11.5969% | 1,153 |
| Core capital (leverage) ratio | 12.6857% | 1,164 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $44,183,250 | 4,378 |
| Average earning assets | $42,480,500 | 4,341 |
| Average equity | $4,674,750 | 4,300 |
| Average total loans | $12,034,750 | 4,411 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2045% | 3,288 |
| Cost of funding earning assets | 1.0430% | 2,469 |
| Net interest margin | 3.1615% | 3,077 |
| Noninterest income to average assets | 0.6900% | 1,151 |
| Noninterest expense to average assets | 2.0971% | 3,354 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.2085% | 1,815 |
| Return on assets (ROA) | 1.2085% | 1,801 |
| Pretax return on assets | 1.6217% | 1,368 |
| Return on Equity (ROE) | 11.8500% | 2,201 |
| Retained earnings to average equity (ytd only) | 11.8458% | 1,017 |
| Net charge-offs to loans | -0.0163% | 4,072 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 56.3919% | 3,371 |
| Assets per employee ($millions) | 9.1422% | 866 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7873% | 630 |
| Loan loss allowance to noncurrent loans | 76.7176% | 3,457 |
| Noncurrent assets plus other real estate owned to assets | 0.5732% | 945 |
| Noncurrent loans to loans | 2.3297% | 209 |
| Net loans and leases to total assets | 24.1600% | 4,419 |
| Net loans and leases to deposits | 27.1797% | 4,425 |
| Net loans and leases to core deposits | 28.6690% | 4,418 |
| Total domestic deposits to total assets | 88.9000% | 1,294 |
| Equity capital to assets | 10.5161% | 1,590 |
| Core capital (leverage) ratio | 11.4078% | 1,676 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $45,014,333 | 4,391 |
| Average earning assets | $43,144,000 | 4,356 |
| Average equity | $4,592,333 | 4,335 |
| Average total loans | $12,251,333 | 4,433 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8735% | 3,732 |
| Cost of funding earning assets | 0.8179% | 2,667 |
| Net interest margin | 3.0556% | 3,450 |
| Noninterest income to average assets | 0.6500% | 1,252 |
| Noninterest expense to average assets | 2.6866% | 1,711 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.8687% | 2,964 |
| Return on assets (ROA) | 0.8687% | 2,915 |
| Pretax return on assets | 0.8776% | 3,294 |
| Return on Equity (ROE) | 8.6500% | 3,146 |
| Retained earnings to average equity (ytd only) | 8.6511% | 2,038 |
| Net charge-offs to loans | -0.0314% | 4,234 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 75.3769% | 1,214 |
| Assets per employee ($millions) | 9.5766% | 783 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6120% | 989 |
| Loan loss allowance to noncurrent loans | 43.0998% | 3,747 |
| Noncurrent assets plus other real estate owned to assets | 2.2701% | 94 |
| Noncurrent loans to loans | 3.7402% | 101 |
| Net loans and leases to total assets | 25.8800% | 4,454 |
| Net loans and leases to deposits | 28.7311% | 4,470 |
| Net loans and leases to core deposits | 30.2099% | 4,457 |
| Total domestic deposits to total assets | 90.0600% | 1,138 |
| Equity capital to assets | 9.6819% | 2,011 |
| Core capital (leverage) ratio | 10.9696% | 1,870 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.6747% | 404 |
| Memoranda: | ||
| Average total assets | $44,666,000 | 4,465 |
| Average earning assets | $42,545,500 | 4,430 |
| Average equity | $4,485,000 | 4,403 |
| Average total loans | $12,754,000 | 4,487 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2735% | 3,654 |
| Cost of funding earning assets | 0.4156% | 1,975 |
| Net interest margin | 2.8580% | 3,775 |
| Noninterest income to average assets | 0.8000% | 996 |
| Noninterest expense to average assets | 1.9994% | 3,577 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.2079% | 1,743 |
| Return on assets (ROA) | 1.0072% | 2,490 |
| Pretax return on assets | 1.2116% | 2,399 |
| Return on Equity (ROE) | 8.6800% | 3,205 |
| Retained earnings to average equity (ytd only) | 2.2345% | 3,930 |
| Net charge-offs to loans | 0.2827% | 277 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 17.1471% | 1,961 |
| Efficiency ratio | 57.9061% | 3,351 |
| Assets per employee ($millions) | 6.9082% | 2,040 |
| Cash dividends to net income (ytd only)* | 74.2574% | 568 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1127% | 110 |
| Loan loss allowance to noncurrent loans | 34.4768% | 3,799 |
| Noncurrent assets plus other real estate owned to assets | 2.8131% | 58 |
| Noncurrent loans to loans | 9.0283% | 16 |
| Net loans and leases to total assets | 30.1900% | 4,386 |
| Net loans and leases to deposits | 33.7787% | 4,398 |
| Net loans and leases to core deposits | 34.8231% | 4,399 |
| Total domestic deposits to total assets | 89.3700% | 1,614 |
| Equity capital to assets | 10.4562% | 1,469 |
| Core capital (leverage) ratio | 11.5679% | 1,485 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.5726% | 443 |
| Memoranda: | ||
| Average total assets | $40,112,000 | 4,529 |
| Average earning assets | $37,299,000 | 4,506 |
| Average equity | $4,654,200 | 4,466 |
| Average total loans | $12,029,000 | 4,530 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1651% | 3,523 |
| Cost of funding earning assets | 0.3745% | 1,487 |
| Net interest margin | 2.7906% | 3,752 |
| Noninterest income to average assets | 0.7100% | 1,285 |
| Noninterest expense to average assets | 2.0178% | 3,434 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.1327% | 1,965 |
| Return on assets (ROA) | 0.9586% | 2,603 |
| Pretax return on assets | 1.0927% | 2,748 |
| Return on Equity (ROE) | 8.0500% | 3,315 |
| Retained earnings to average equity (ytd only) | 8.0546% | 1,982 |
| Net charge-offs to loans | 0.3839% | 162 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 11.3235% | 1,950 |
| Efficiency ratio | 60.9929% | 2,975 |
| Assets per employee ($millions) | 6.8943% | 2,026 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2816% | 103 |
| Loan loss allowance to noncurrent loans | 71.4032% | 3,618 |
| Noncurrent assets plus other real estate owned to assets | 1.3610% | 270 |
| Noncurrent loans to loans | 4.5959% | 70 |
| Net loans and leases to total assets | 28.6400% | 4,449 |
| Net loans and leases to deposits | 34.8204% | 4,398 |
| Net loans and leases to core deposits | 34.8204% | 4,423 |
| Total domestic deposits to total assets | 82.2600% | 3,799 |
| Equity capital to assets | 11.2991% | 1,069 |
| Core capital (leverage) ratio | 12.2482% | 1,147 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.9108% | 384 |
| Memoranda: | ||
| Average total assets | $39,777,750 | 4,564 |
| Average earning assets | $37,028,500 | 4,539 |
| Average equity | $4,734,250 | 4,500 |
| Average total loans | $11,807,500 | 4,565 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1457% | 3,196 |
| Cost of funding earning assets | 0.3801% | 1,043 |
| Net interest margin | 2.7656% | 3,534 |
| Noninterest income to average assets | 0.7183% | 1,265 |
| Noninterest expense to average assets | 2.0326% | 3,343 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.0322% | 2,038 |
| Return on assets (ROA) | 0.7743% | 3,012 |
| Pretax return on assets | 0.9322% | 2,958 |
| Return on Equity (ROE) | 6.4366% | 3,462 |
| Retained earnings to average equity (ytd only) | 6.4366% | 2,194 |
| Net charge-offs to loans | 0.4631% | 146 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 9.0370% | 1,803 |
| Efficiency ratio | 62.0529% | 3,041 |
| Assets per employee ($millions) | 6.8085% | 2,063 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6033% | 89 |
| Loan loss allowance to noncurrent loans | 55.6617% | 3,760 |
| Noncurrent assets plus other real estate owned to assets | 1.7943% | 178 |
| Noncurrent loans to loans | 6.4735% | 30 |
| Net loans and leases to total assets | 26.7191% | 4,545 |
| Net loans and leases to deposits | 30.3414% | 4,540 |
| Net loans and leases to core deposits | 30.3414% | 4,559 |
| Total domestic deposits to total assets | 88.0615% | 2,552 |
| Equity capital to assets | 11.4563% | 1,043 |
| Core capital (leverage) ratio | 11.8387% | 1,196 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $39,260,000 | 4,614 |
| Average earning assets | $36,303,000 | 4,609 |
| Average equity | $4,723,000 | 4,547 |
| Average total loans | $11,660,000 | 4,634 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9757% | 3,323 |
| Cost of funding earning assets | 0.4152% | 797 |
| Net interest margin | 2.5605% | 3,755 |
| Noninterest income to average assets | 0.7279% | 1,228 |
| Noninterest expense to average assets | 2.1006% | 3,140 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.8215% | 2,590 |
| Return on assets (ROA) | 0.8215% | 2,583 |
| Pretax return on assets | 0.9359% | 2,647 |
| Return on Equity (ROE) | 6.6603% | 3,140 |
| Retained earnings to average equity (ytd only) | 6.6603% | 2,006 |
| Net charge-offs to loans | 0.9807% | 69 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 3.1034% | 1,681 |
| Efficiency ratio | 69.1781% | 2,351 |
| Assets per employee ($millions) | 7.9518% | 1,399 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5241% | 101 |
| Loan loss allowance to noncurrent loans | 101.2438% | 3,377 |
| Noncurrent assets plus other real estate owned to assets | 1.0111% | 495 |
| Noncurrent loans to loans | 3.4808% | 128 |
| Net loans and leases to total assets | 28.0238% | 4,508 |
| Net loans and leases to deposits | 31.7508% | 4,504 |
| Net loans and leases to core deposits | 31.7508% | 4,542 |
| Total domestic deposits to total assets | 88.2618% | 2,400 |
| Equity capital to assets | 11.4792% | 1,132 |
| Core capital (leverage) ratio | 12.1266% | 1,022 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $38,464,500 | 4,644 |
| Average earning assets | $34,681,000 | 4,645 |
| Average equity | $4,744,500 | 4,587 |
| Average total loans | $11,828,500 | 4,657 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2410% | 3,373 |
| Cost of funding earning assets | 0.4492% | 1,206 |
| Net interest margin | 2.7918% | 3,683 |
| Noninterest income to average assets | 1.0002% | 1,005 |
| Noninterest expense to average assets | 2.0398% | 3,551 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.6766% | 667 |
| Return on assets (ROA) | 1.7214% | 625 |
| Pretax return on assets | 1.5239% | 1,639 |
| Return on Equity (ROE) | 14.4812% | 1,069 |
| Retained earnings to average equity (ytd only) | 6.7313% | 2,029 |
| Net charge-offs to loans | -0.0259% | 4,072 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9656% | 3,452 |
| Assets per employee ($millions) | 6.1365% | 2,624 |
| Cash dividends to net income (ytd only)* | 53.5168% | 1,344 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6009% | 92 |
| Loan loss allowance to noncurrent loans | 100.2299% | 3,392 |
| Noncurrent assets plus other real estate owned to assets | 1.1815% | 422 |
| Noncurrent loans to loans | 3.5927% | 140 |
| Net loans and leases to total assets | 31.7010% | 4,458 |
| Net loans and leases to deposits | 37.2574% | 4,435 |
| Net loans and leases to core deposits | 37.2574% | 4,488 |
| Total domestic deposits to total assets | 85.0865% | 3,245 |
| Equity capital to assets | 12.4256% | 1,087 |
| Core capital (leverage) ratio | 11.8134% | 1,161 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.9637% | 494 |
| Memoranda: | ||
| Average total assets | $37,993,400 | 4,681 |
| Average earning assets | $34,279,400 | 4,676 |
| Average equity | $4,516,200 | 4,669 |
| Average total loans | $11,561,200 | 4,705 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1750% | 3,649 |
| Cost of funding earning assets | 0.4492% | 1,355 |
| Net interest margin | 2.7258% | 3,922 |
| Noninterest income to average assets | 0.9368% | 1,181 |
| Noninterest expense to average assets | 1.9989% | 3,676 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.2004% | 2,169 |
| Return on assets (ROA) | 1.2537% | 2,045 |
| Pretax return on assets | 1.4730% | 2,069 |
| Return on Equity (ROE) | 10.6628% | 2,494 |
| Retained earnings to average equity (ytd only) | 10.6628% | 1,131 |
| Net charge-offs to loans | -0.0117% | 3,736 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.6313% | 3,174 |
| Assets per employee ($millions) | 5.7952% | 2,898 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5966% | 97 |
| Loan loss allowance to noncurrent loans | 40.8106% | 4,039 |
| Noncurrent assets plus other real estate owned to assets | 3.0514% | 78 |
| Noncurrent loans to loans | 8.8130% | 23 |
| Net loans and leases to total assets | 33.3784% | 4,494 |
| Net loans and leases to deposits | 42.1714% | 4,375 |
| Net loans and leases to core deposits | 42.1714% | 4,444 |
| Total domestic deposits to total assets | 79.1493% | 4,333 |
| Equity capital to assets | 13.3617% | 885 |
| Core capital (leverage) ratio | 12.4126% | 1,013 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.1749% | 526 |
| Memoranda: | ||
| Average total assets | $38,287,000 | 4,749 |
| Average earning assets | $34,729,000 | 4,741 |
| Average equity | $4,501,500 | 4,738 |
| Average total loans | $11,424,500 | 4,776 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4811% | 2,935 |
| Cost of funding earning assets | 0.4592% | 1,455 |
| Net interest margin | 3.0218% | 3,267 |
| Noninterest income to average assets | 0.7958% | 1,549 |
| Noninterest expense to average assets | 2.0021% | 3,692 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.2671% | 1,964 |
| Return on assets (ROA) | 1.2671% | 2,039 |
| Pretax return on assets | 1.4952% | 2,029 |
| Return on Equity (ROE) | 11.2275% | 2,332 |
| Retained earnings to average equity (ytd only) | 11.2275% | 1,070 |
| Net charge-offs to loans | -0.0178% | 3,939 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.2464% | 3,369 |
| Assets per employee ($millions) | 6.7122% | 2,014 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5993% | 87 |
| Loan loss allowance to noncurrent loans | 70.5691% | 3,694 |
| Noncurrent assets plus other real estate owned to assets | 1.5271% | 364 |
| Noncurrent loans to loans | 5.1003% | 80 |
| Net loans and leases to total assets | 28.8630% | 4,686 |
| Net loans and leases to deposits | 34.0600% | 4,680 |
| Net loans and leases to core deposits | 34.3215% | 4,702 |
| Total domestic deposits to total assets | 84.7416% | 3,202 |
| Equity capital to assets | 11.2631% | 1,786 |
| Core capital (leverage) ratio | 10.3450% | 2,078 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.0243% | 542 |
| Memoranda: | ||
| Average total assets | $39,459,000 | 4,769 |
| Average earning assets | $35,276,667 | 4,763 |
| Average equity | $4,453,333 | 4,772 |
| Average total loans | $11,219,667 | 4,819 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6658% | 2,455 |
| Cost of funding earning assets | 0.4880% | 1,469 |
| Net interest margin | 3.1778% | 2,764 |
| Noninterest income to average assets | 0.7487% | 1,720 |
| Noninterest expense to average assets | 2.2563% | 2,922 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.1692% | 2,267 |
| Return on assets (ROA) | 1.1692% | 2,337 |
| Pretax return on assets | 1.2307% | 2,760 |
| Return on Equity (ROE) | 10.4695% | 2,544 |
| Retained earnings to average equity (ytd only) | 10.4695% | 1,528 |
| Net charge-offs to loans | -0.0370% | 4,276 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7059% | 2,380 |
| Assets per employee ($millions) | 6.8448% | 1,897 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2197% | 66 |
| Loan loss allowance to noncurrent loans | 278.2051% | 1,867 |
| Noncurrent assets plus other real estate owned to assets | 0.3798% | 2,281 |
| Noncurrent loans to loans | 1.5168% | 823 |
| Net loans and leases to total assets | 23.9865% | 4,809 |
| Net loans and leases to deposits | 27.1392% | 4,824 |
| Net loans and leases to core deposits | 27.3350% | 4,836 |
| Total domestic deposits to total assets | 88.3830% | 1,662 |
| Equity capital to assets | 10.4288% | 2,338 |
| Core capital (leverage) ratio | 10.2615% | 2,282 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $39,001,500 | 4,798 |
| Average earning assets | $33,608,000 | 4,804 |
| Average equity | $4,355,500 | 4,804 |
| Average total loans | $10,800,500 | 4,850 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8276% | 3,222 |
| Cost of funding earning assets | 0.5968% | 2,335 |
| Net interest margin | 3.2308% | 3,271 |
| Noninterest income to average assets | 0.8767% | 1,325 |
| Noninterest expense to average assets | 2.2840% | 3,449 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 1.3902% | 1,040 |
| Return on assets (ROA) | 1.3902% | 1,132 |
| Pretax return on assets | 1.5264% | 1,251 |
| Return on Equity (ROE) | 10.3097% | 1,882 |
| Retained earnings to average equity (ytd only) | 10.3097% | 532 |
| Net charge-offs to loans | 0.0695% | 1,798 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | 67.2500% | 1,000 |
| Efficiency ratio | 59.9404% | 3,469 |
| Assets per employee ($millions) | 6.1557% | 2,206 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8264% | 73 |
| Loan loss allowance to noncurrent loans | 247.4286% | 1,985 |
| Noncurrent assets plus other real estate owned to assets | 0.4738% | 2,138 |
| Noncurrent loans to loans | 1.5465% | 857 |
| Net loans and leases to total assets | 29.4661% | 4,763 |
| Net loans and leases to deposits | 34.1267% | 4,781 |
| Net loans and leases to core deposits | 34.4072% | 4,797 |
| Total domestic deposits to total assets | 86.3432% | 2,211 |
| Equity capital to assets | 13.0043% | 1,083 |
| Core capital (leverage) ratio | 12.0834% | 1,214 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.5643% | 408 |
| Memoranda: | ||
| Average total assets | $35,245,600 | 4,826 |
| Average earning assets | $32,004,400 | 4,823 |
| Average equity | $4,752,800 | 4,781 |
| Average total loans | $11,509,000 | 4,867 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8368% | 3,447 |
| Cost of funding earning assets | 0.6082% | 2,563 |
| Net interest margin | 3.2286% | 3,397 |
| Noninterest income to average assets | 0.8462% | 1,359 |
| Noninterest expense to average assets | 2.2436% | 3,565 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 1.3937% | 1,117 |
| Return on assets (ROA) | 1.3937% | 1,216 |
| Pretax return on assets | 1.5698% | 1,272 |
| Return on Equity (ROE) | 10.2383% | 1,940 |
| Retained earnings to average equity (ytd only) | 10.2383% | 713 |
| Net charge-offs to loans | 0.0923% | 1,383 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 51.2500% | 1,179 |
| Efficiency ratio | 58.8353% | 3,549 |
| Assets per employee ($millions) | 5.9195% | 2,339 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8792% | 69 |
| Loan loss allowance to noncurrent loans | 184.2553% | 2,352 |
| Noncurrent assets plus other real estate owned to assets | 0.6617% | 1,747 |
| Noncurrent loans to loans | 2.1054% | 570 |
| Net loans and leases to total assets | 30.2081% | 4,817 |
| Net loans and leases to deposits | 35.4830% | 4,832 |
| Net loans and leases to core deposits | 35.7908% | 4,847 |
| Total domestic deposits to total assets | 85.1339% | 2,381 |
| Equity capital to assets | 13.9736% | 862 |
| Core capital (leverage) ratio | 12.8616% | 988 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $34,823,500 | 4,857 |
| Average earning assets | $32,005,000 | 4,850 |
| Average equity | $4,740,250 | 4,806 |
| Average total loans | $11,557,250 | 4,898 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9516% | 3,457 |
| Cost of funding earning assets | 0.6439% | 2,731 |
| Net interest margin | 3.3077% | 3,363 |
| Noninterest income to average assets | 0.8730% | 1,229 |
| Noninterest expense to average assets | 2.2201% | 3,718 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.4859% | 946 |
| Return on assets (ROA) | 1.4859% | 1,028 |
| Pretax return on assets | 1.6825% | 1,035 |
| Return on Equity (ROE) | 11.0159% | 1,623 |
| Retained earnings to average equity (ytd only) | 11.0159% | 602 |
| Net charge-offs to loans | 0.0684% | 1,560 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 72.7500% | 859 |
| Efficiency ratio | 56.8889% | 3,836 |
| Assets per employee ($millions) | 6.1117% | 2,079 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7501% | 76 |
| Loan loss allowance to noncurrent loans | 546.2500% | 945 |
| Noncurrent assets plus other real estate owned to assets | 0.2182% | 3,459 |
| Noncurrent loans to loans | 0.6865% | 2,154 |
| Net loans and leases to total assets | 30.5863% | 4,847 |
| Net loans and leases to deposits | 35.6063% | 4,870 |
| Net loans and leases to core deposits | 35.9027% | 4,882 |
| Total domestic deposits to total assets | 85.9013% | 2,059 |
| Equity capital to assets | 12.6016% | 1,337 |
| Core capital (leverage) ratio | 12.0024% | 1,372 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $34,592,333 | 4,885 |
| Average earning assets | $31,683,333 | 4,880 |
| Average equity | $4,666,000 | 4,839 |
| Average total loans | $11,689,000 | 4,925 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7476% | 4,300 |
| Cost of funding earning assets | 0.6439% | 3,198 |
| Net interest margin | 3.1037% | 4,088 |
| Noninterest income to average assets | 0.9299% | 996 |
| Noninterest expense to average assets | 2.1577% | 4,107 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.4186% | 947 |
| Return on assets (ROA) | 1.4186% | 1,016 |
| Pretax return on assets | 1.6451% | 968 |
| Return on Equity (ROE) | 10.1525% | 1,695 |
| Retained earnings to average equity (ytd only) | 10.1525% | 718 |
| Net charge-offs to loans | 0.1367% | 912 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 34.5000% | 1,104 |
| Efficiency ratio | 56.7398% | 4,136 |
| Assets per employee ($millions) | 5.5727% | 2,052 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9004% | 79 |
| Loan loss allowance to noncurrent loans | 89.7331% | 3,394 |
| Noncurrent assets plus other real estate owned to assets | 1.4565% | 751 |
| Noncurrent loans to loans | 4.3467% | 161 |
| Net loans and leases to total assets | 32.2018% | 4,861 |
| Net loans and leases to deposits | 39.0066% | 4,853 |
| Net loans and leases to core deposits | 39.3775% | 4,883 |
| Total domestic deposits to total assets | 82.5547% | 3,248 |
| Equity capital to assets | 14.5023% | 896 |
| Core capital (leverage) ratio | 14.0281% | 910 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $33,553,500 | 4,935 |
| Average earning assets | $31,060,000 | 4,923 |
| Average equity | $4,688,500 | 4,873 |
| Average total loans | $11,707,000 | 4,968 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8085% | 4,556 |
| Cost of funding earning assets | 0.6115% | 3,592 |
| Net interest margin | 3.1970% | 4,190 |
| Noninterest income to average assets | 1.2361% | 618 |
| Noninterest expense to average assets | 2.3302% | 3,871 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.5241% | 998 |
| Return on assets (ROA) | 1.5104% | 1,088 |
| Pretax return on assets | 1.7751% | 1,005 |
| Return on Equity (ROE) | 10.3348% | 2,145 |
| Retained earnings to average equity (ytd only) | 4.8141% | 2,528 |
| Net charge-offs to loans | 0.0100% | 3,325 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 555.0000% | 174 |
| Efficiency ratio | 56.5388% | 4,143 |
| Assets per employee ($millions) | 5.6118% | 1,962 |
| Cash dividends to net income (ytd only)* | 53.4188% | 1,862 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6118% | 79 |
| Loan loss allowance to noncurrent loans | 816.6667% | 655 |
| Noncurrent assets plus other real estate owned to assets | 0.1604% | 3,840 |
| Noncurrent loans to loans | 0.4423% | 2,860 |
| Net loans and leases to total assets | 34.9529% | 4,874 |
| Net loans and leases to deposits | 40.6178% | 4,895 |
| Net loans and leases to core deposits | 41.8706% | 4,909 |
| Total domestic deposits to total assets | 86.0533% | 2,047 |
| Equity capital to assets | 13.4478% | 1,302 |
| Core capital (leverage) ratio | 13.9159% | 949 |
| Tier 1 risk-based capital ratio | 25.7527% | 695 |
| Total risk-based capital ratio | 27.0177% | 677 |
| Memoranda: | ||
| Average total assets | $30,984,600 | 5,016 |
| Average earning assets | $27,963,400 | 5,009 |
| Average equity | $4,528,400 | 4,940 |
| Average total loans | $9,982,600 | 5,056 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7444% | 4,736 |
| Cost of funding earning assets | 0.5966% | 3,719 |
| Net interest margin | 3.1478% | 4,406 |
| Noninterest income to average assets | 1.0388% | 862 |
| Noninterest expense to average assets | 2.3681% | 3,773 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.3733% | 1,561 |
| Return on assets (ROA) | 1.3733% | 1,629 |
| Pretax return on assets | 1.5274% | 1,884 |
| Return on Equity (ROE) | 9.2309% | 2,790 |
| Retained earnings to average equity (ytd only) | 9.2309% | 980 |
| Net charge-offs to loans | 0.0141% | 2,878 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 347.8647% | 281 |
| Efficiency ratio | 60.7910% | 3,505 |
| Assets per employee ($millions) | 5.0502% | 2,495 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4807% | 48 |
| Loan loss allowance to noncurrent loans | 258.8235% | 1,714 |
| Noncurrent assets plus other real estate owned to assets | 0.8548% | 1,602 |
| Noncurrent loans to loans | 1.7312% | 845 |
| Net loans and leases to total assets | 30.9561% | 5,041 |
| Net loans and leases to deposits | 36.8943% | 5,050 |
| Net loans and leases to core deposits | 38.1953% | 5,055 |
| Total domestic deposits to total assets | 83.9048% | 2,858 |
| Equity capital to assets | 15.4417% | 741 |
| Core capital (leverage) ratio | 15.3512% | 669 |
| Tier 1 risk-based capital ratio | 27.9287% | 580 |
| Total risk-based capital ratio | 29.1933% | 560 |
| Memoranda: | ||
| Average total assets | $30,291,000 | 5,097 |
| Average earning assets | $27,489,500 | 5,090 |
| Average equity | $4,506,500 | 5,007 |
| Average total loans | $9,425,750 | 5,141 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6836% | 4,844 |
| Cost of funding earning assets | 0.5824% | 3,742 |
| Net interest margin | 3.1012% | 4,531 |
| Noninterest income to average assets | 1.0169% | 849 |
| Noninterest expense to average assets | 2.3838% | 3,779 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.2414% | 2,000 |
| Return on assets (ROA) | 1.2414% | 2,051 |
| Pretax return on assets | 1.4461% | 2,048 |
| Return on Equity (ROE) | 8.4513% | 3,091 |
| Retained earnings to average equity (ytd only) | 8.4513% | 1,223 |
| Net charge-offs to loans | 0.0215% | 2,415 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 219.0000% | 368 |
| Efficiency ratio | 62.2414% | 3,392 |
| Assets per employee ($millions) | 5.0892% | 2,372 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0114% | 32 |
| Loan loss allowance to noncurrent loans | 91.2863% | 3,464 |
| Noncurrent assets plus other real estate owned to assets | 1.8700% | 523 |
| Noncurrent loans to loans | 5.4897% | 85 |
| Net loans and leases to total assets | 27.3129% | 5,136 |
| Net loans and leases to deposits | 32.2045% | 5,147 |
| Net loans and leases to core deposits | 33.3174% | 5,155 |
| Total domestic deposits to total assets | 84.8109% | 2,561 |
| Equity capital to assets | 15.0483% | 796 |
| Core capital (leverage) ratio | 15.1052% | 685 |
| Tier 1 risk-based capital ratio | 29.2555% | 506 |
| Total risk-based capital ratio | 30.5199% | 497 |
| Memoranda: | ||
| Average total assets | $30,287,670 | 5,143 |
| Average earning assets | $27,473,000 | 5,136 |
| Average equity | $4,449,000 | 5,049 |
| Average total loans | $9,294,330 | 5,192 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7196% | 4,815 |
| Cost of funding earning assets | 0.6616% | 3,254 |
| Net interest margin | 3.0580% | 4,656 |
| Noninterest income to average assets | 1.1139% | 654 |
| Noninterest expense to average assets | 2.4002% | 3,773 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.4056% | 1,359 |
| Return on assets (ROA) | 1.4056% | 1,386 |
| Pretax return on assets | 1.4720% | 1,861 |
| Return on Equity (ROE) | 9.6892% | 2,499 |
| Retained earnings to average equity (ytd only) | 9.6892% | 1,113 |
| Net charge-offs to loans | -0.0419% | 4,779 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9863% | 3,534 |
| Assets per employee ($millions) | 4.8387% | 2,729 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0480% | 34 |
| Loan loss allowance to noncurrent loans | 81.2500% | 3,664 |
| Noncurrent assets plus other real estate owned to assets | 2.1804% | 405 |
| Noncurrent loans to loans | 6.2129% | 73 |
| Net loans and leases to total assets | 28.6374% | 5,169 |
| Net loans and leases to deposits | 34.0514% | 5,173 |
| Net loans and leases to core deposits | 35.3006% | 5,180 |
| Total domestic deposits to total assets | 84.1003% | 3,018 |
| Equity capital to assets | 15.3279% | 680 |
| Core capital (leverage) ratio | 14.7913% | 746 |
| Tier 1 risk-based capital ratio | 31.5078% | 425 |
| Total risk-based capital ratio | 32.7749% | 421 |
| Memoranda: | ||
| Average total assets | $30,164,000 | 5,197 |
| Average earning assets | $27,207,500 | 5,194 |
| Average equity | $4,376,000 | 5,106 |
| Average total loans | $9,551,500 | 5,250 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3616% | 5,037 |
| Cost of funding earning assets | 0.5172% | 3,243 |
| Net interest margin | 2.8444% | 4,978 |
| Noninterest income to average assets | 1.0791% | 796 |
| Noninterest expense to average assets | 2.0882% | 4,587 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.2437% | 1,998 |
| Return on assets (ROA) | 1.1608% | 2,338 |
| Pretax return on assets | 1.5487% | 1,628 |
| Return on Equity (ROE) | 9.2524% | 2,860 |
| Retained earnings to average equity (ytd only) | 3.4406% | 3,693 |
| Net charge-offs to loans | -0.1128% | 5,177 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.8067% | 4,431 |
| Assets per employee ($millions) | 5.2160% | 2,247 |
| Cash dividends to net income (ytd only)* | 62.8141% | 1,368 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2621% | 45 |
| Loan loss allowance to noncurrent loans | 85.1351% | 3,656 |
| Noncurrent assets plus other real estate owned to assets | 1.9395% | 506 |
| Noncurrent loans to loans | 5.0063% | 108 |
| Net loans and leases to total assets | 31.6526% | 5,177 |
| Net loans and leases to deposits | 36.7460% | 5,182 |
| Net loans and leases to core deposits | 37.9598% | 5,192 |
| Total domestic deposits to total assets | 86.1388% | 2,162 |
| Equity capital to assets | 13.7462% | 1,049 |
| Core capital (leverage) ratio | 12.6935% | 1,379 |
| Tier 1 risk-based capital ratio | 28.1481% | 553 |
| Total risk-based capital ratio | 29.4171% | 546 |
| Memoranda: | ||
| Average total assets | $34,287,800 | 5,186 |
| Average earning assets | $32,098,000 | 5,166 |
| Average equity | $4,301,600 | 5,138 |
| Average total loans | $8,863,400 | 5,306 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1008% | 5,247 |
| Cost of funding earning assets | 0.5188% | 3,072 |
| Net interest margin | 2.5819% | 5,229 |
| Noninterest income to average assets | 0.9170% | 1,148 |
| Noninterest expense to average assets | 2.0166% | 4,708 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.3051% | 1,836 |
| Return on assets (ROA) | 1.3051% | 1,843 |
| Pretax return on assets | 1.3241% | 2,527 |
| Return on Equity (ROE) | 10.6187% | 2,341 |
| Retained earnings to average equity (ytd only) | 10.6187% | 742 |
| Net charge-offs to loans | -0.1570% | 5,258 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.3645% | 3,758 |
| Assets per employee ($millions) | 4.5766% | 3,007 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2196% | 35 |
| Loan loss allowance to noncurrent loans | 252.0000% | 1,860 |
| Noncurrent assets plus other real estate owned to assets | 0.8241% | 1,796 |
| Noncurrent loans to loans | 2.0713% | 694 |
| Net loans and leases to total assets | 24.9969% | 5,337 |
| Net loans and leases to deposits | 29.0957% | 5,351 |
| Net loans and leases to core deposits | 30.0364% | 5,345 |
| Total domestic deposits to total assets | 85.9127% | 2,236 |
| Equity capital to assets | 13.9843% | 965 |
| Core capital (leverage) ratio | 13.8781% | 971 |
| Tier 1 risk-based capital ratio | 31.5873% | 412 |
| Total risk-based capital ratio | 32.8571% | 407 |
| Memoranda: | ||
| Average total assets | $35,041,000 | 5,242 |
| Average earning assets | $32,894,250 | 5,215 |
| Average equity | $4,306,750 | 5,201 |
| Average total loans | $8,492,500 | 5,383 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6699% | 5,440 |
| Cost of funding earning assets | 0.4940% | 3,042 |
| Net interest margin | 2.1759% | 5,447 |
| Noninterest income to average assets | 0.9322% | 1,097 |
| Noninterest expense to average assets | 1.8811% | 4,983 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.0765% | 2,681 |
| Return on assets (ROA) | 1.0765% | 2,688 |
| Pretax return on assets | 1.1042% | 3,302 |
| Return on Equity (ROE) | 9.1316% | 2,959 |
| Retained earnings to average equity (ytd only) | 9.1316% | 1,173 |
| Net charge-offs to loans | -0.3291% | 5,397 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0112% | 3,474 |
| Assets per employee ($millions) | 5.9107% | 1,539 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.3939% | 31 |
| Loan loss allowance to noncurrent loans | 635.7143% | 903 |
| Noncurrent assets plus other real estate owned to assets | 0.4483% | 2,927 |
| Noncurrent loans to loans | 0.8485% | 2,025 |
| Net loans and leases to total assets | 22.0082% | 5,426 |
| Net loans and leases to deposits | 25.3080% | 5,435 |
| Net loans and leases to core deposits | 26.2600% | 5,431 |
| Total domestic deposits to total assets | 86.9614% | 1,855 |
| Equity capital to assets | 12.3365% | 1,643 |
| Core capital (leverage) ratio | 12.6035% | 1,381 |
| Tier 1 risk-based capital ratio | 32.7684% | 386 |
| Total risk-based capital ratio | 34.0413% | 378 |
| Memoranda: | ||
| Average total assets | $36,042,670 | 5,286 |
| Average earning assets | $34,009,330 | 5,260 |
| Average equity | $4,249,000 | 5,269 |
| Average total loans | $8,507,000 | 5,443 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6292% | 5,502 |
| Cost of funding earning assets | 0.4440% | 3,253 |
| Net interest margin | 2.1851% | 5,507 |
| Noninterest income to average assets | 0.8367% | 1,341 |
| Noninterest expense to average assets | 1.7065% | 5,240 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.1230% | 2,322 |
| Return on assets (ROA) | 1.1230% | 2,338 |
| Pretax return on assets | 1.1890% | 2,805 |
| Return on Equity (ROE) | 9.7468% | 2,564 |
| Retained earnings to average equity (ytd only) | 9.7468% | 1,242 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.9354% | 4,227 |
| Assets per employee ($millions) | 5.8087% | 1,674 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2047% | 33 |
| Loan loss allowance to noncurrent loans | 582.4324% | 957 |
| Noncurrent assets plus other real estate owned to assets | 0.4677% | 2,979 |
| Noncurrent loans to loans | 0.8936% | 2,038 |
| Net loans and leases to total assets | 22.5238% | 5,483 |
| Net loans and leases to deposits | 25.6830% | 5,491 |
| Net loans and leases to core deposits | 26.4274% | 5,494 |
| Total domestic deposits to total assets | 87.6994% | 1,788 |
| Equity capital to assets | 11.9878% | 1,796 |
| Core capital (leverage) ratio | 11.6944% | 1,855 |
| Tier 1 risk-based capital ratio | 32.2324% | 397 |
| Total risk-based capital ratio | 33.5044% | 391 |
| Memoranda: | ||
| Average total assets | $36,332,000 | 5,338 |
| Average earning assets | $34,231,500 | 5,310 |
| Average equity | $4,186,000 | 5,335 |
| Average total loans | $8,635,500 | 5,498 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6687% | 5,505 |
| Cost of funding earning assets | 0.3978% | 3,278 |
| Net interest margin | 2.2710% | 5,517 |
| Noninterest income to average assets | 1.1129% | 822 |
| Noninterest expense to average assets | 1.8548% | 5,188 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.0456% | 2,072 |
| Return on assets (ROA) | 1.0515% | 2,070 |
| Pretax return on assets | 1.4145% | 1,944 |
| Return on Equity (ROE) | 9.4051% | 2,137 |
| Retained earnings to average equity (ytd only) | 3.4374% | 3,229 |
| Net charge-offs to loans | 0.2301% | 1,123 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 27.7368% | 1,624 |
| Efficiency ratio | 56.8740% | 4,672 |
| Assets per employee ($millions) | 6.2953% | 1,321 |
| Cash dividends to net income (ytd only)* | 63.4518% | 1,589 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7942% | 41 |
| Loan loss allowance to noncurrent loans | 66.9255% | 4,147 |
| Noncurrent assets plus other real estate owned to assets | 1.9406% | 597 |
| Noncurrent loans to loans | 7.1635% | 56 |
| Net loans and leases to total assets | 22.6596% | 5,550 |
| Net loans and leases to deposits | 25.4823% | 5,557 |
| Net loans and leases to core deposits | 26.1519% | 5,562 |
| Total domestic deposits to total assets | 88.9230% | 1,037 |
| Equity capital to assets | 10.9976% | 2,624 |
| Core capital (leverage) ratio | 10.6744% | 2,672 |
| Tier 1 risk-based capital ratio | 28.4502% | 521 |
| Total risk-based capital ratio | 29.7196% | 513 |
| Memoranda: | ||
| Average total assets | $37,470,000 | 5,370 |
| Average earning assets | $35,447,400 | 5,340 |
| Average equity | $4,189,200 | 5,395 |
| Average total loans | $8,256,000 | 5,572 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8854% | 5,487 |
| Cost of funding earning assets | 0.4633% | 2,586 |
| Net interest margin | 2.4220% | 5,511 |
| Noninterest income to average assets | 0.8058% | 1,566 |
| Noninterest expense to average assets | 1.8612% | 5,186 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.1142% | 2,024 |
| Return on assets (ROA) | 1.0982% | 2,151 |
| Pretax return on assets | 1.2194% | 2,827 |
| Return on Equity (ROE) | 9.7823% | 2,216 |
| Retained earnings to average equity (ytd only) | 9.7823% | 634 |
| Net charge-offs to loans | 0.3138% | 669 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 18.2653% | 2,062 |
| Efficiency ratio | 60.0690% | 4,201 |
| Assets per employee ($millions) | 6.2527% | 1,335 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.6142% | 27 |
| Loan loss allowance to noncurrent loans | 525.6098% | 992 |
| Noncurrent assets plus other real estate owned to assets | 0.4558% | 3,208 |
| Noncurrent loans to loans | 1.0681% | 1,810 |
| Net loans and leases to total assets | 19.3144% | 5,639 |
| Net loans and leases to deposits | 22.1292% | 5,648 |
| Net loans and leases to core deposits | 22.7261% | 5,646 |
| Total domestic deposits to total assets | 87.2801% | 1,740 |
| Equity capital to assets | 11.6670% | 2,216 |
| Core capital (leverage) ratio | 11.4308% | 2,070 |
| Tier 1 risk-based capital ratio | 23.7275% | 874 |
| Total risk-based capital ratio | 24.9864% | 857 |
| Memoranda: | ||
| Average total assets | $37,394,500 | 5,432 |
| Average earning assets | $35,396,250 | 5,401 |
| Average equity | $4,198,000 | 5,453 |
| Average total loans | $8,072,500 | 5,639 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7803% | 5,563 |
| Cost of funding earning assets | 0.3858% | 3,223 |
| Net interest margin | 2.3944% | 5,571 |
| Noninterest income to average assets | 0.8031% | 1,562 |
| Noninterest expense to average assets | 1.9007% | 5,184 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.8138% | 3,340 |
| Return on assets (ROA) | 0.8138% | 3,391 |
| Pretax return on assets | 1.1618% | 2,919 |
| Return on Equity (ROE) | 7.3448% | 3,371 |
| Retained earnings to average equity (ytd only) | 7.3448% | 1,428 |
| Net charge-offs to loans | 0.0975% | 1,647 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 54.2500% | 1,015 |
| Efficiency ratio | 62.0629% | 3,979 |
| Assets per employee ($millions) | 7.8040% | 665 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.9521% | 27 |
| Loan loss allowance to noncurrent loans | 513.7931% | 1,006 |
| Noncurrent assets plus other real estate owned to assets | 0.4511% | 3,306 |
| Noncurrent loans to loans | 1.1585% | 1,690 |
| Net loans and leases to total assets | 18.1010% | 5,695 |
| Net loans and leases to deposits | 20.3797% | 5,704 |
| Net loans and leases to core deposits | 20.8983% | 5,701 |
| Total domestic deposits to total assets | 88.8186% | 1,049 |
| Equity capital to assets | 10.7740% | 3,054 |
| Core capital (leverage) ratio | 11.0792% | 2,333 |
| Tier 1 risk-based capital ratio | 25.6725% | 692 |
| Total risk-based capital ratio | 26.9381% | 682 |
| Memoranda: | ||
| Average total assets | $37,354,670 | 5,477 |
| Average earning assets | $35,248,330 | 5,450 |
| Average equity | $4,139,000 | 5,502 |
| Average total loans | $8,204,330 | 5,683 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0300% | 5,434 |
| Cost of funding earning assets | 0.3645% | 3,368 |
| Net interest margin | 2.6655% | 5,429 |
| Noninterest income to average assets | 0.8214% | 1,480 |
| Noninterest expense to average assets | 1.9057% | 5,226 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.4238% | 951 |
| Return on assets (ROA) | 1.4238% | 977 |
| Pretax return on assets | 1.4786% | 1,611 |
| Return on Equity (ROE) | 12.6629% | 1,075 |
| Retained earnings to average equity (ytd only) | 12.6629% | 409 |
| Net charge-offs to loans | -0.4210% | 5,724 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.3107% | 4,904 |
| Assets per employee ($millions) | 6.2447% | 1,332 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.4520% | 35 |
| Loan loss allowance to noncurrent loans | 176.5385% | 2,502 |
| Noncurrent assets plus other real estate owned to assets | 0.9315% | 1,979 |
| Noncurrent loans to loans | 3.0883% | 437 |
| Net loans and leases to total assets | 21.2448% | 5,742 |
| Net loans and leases to deposits | 23.9442% | 5,748 |
| Net loans and leases to core deposits | 24.1329% | 5,749 |
| Total domestic deposits to total assets | 88.7264% | 1,303 |
| Equity capital to assets | 11.1642% | 2,463 |
| Core capital (leverage) ratio | 11.4518% | 1,982 |
| Tier 1 risk-based capital ratio | 24.1876% | 850 |
| Total risk-based capital ratio | 25.4494% | 830 |
| Memoranda: | ||
| Average total assets | $36,522,000 | 5,557 |
| Average earning assets | $35,115,500 | 5,508 |
| Average equity | $4,106,500 | 5,564 |
| Average total loans | $8,551,500 | 5,741 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7858% | 5,652 |
| Cost of funding earning assets | 0.3915% | 3,086 |
| Net interest margin | 2.3943% | 5,650 |
| Noninterest income to average assets | 1.2496% | 728 |
| Noninterest expense to average assets | 1.9702% | 5,252 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.3813% | 1,048 |
| Return on assets (ROA) | 1.3549% | 1,138 |
| Pretax return on assets | 1.5276% | 1,501 |
| Return on Equity (ROE) | 12.4030% | 1,142 |
| Retained earnings to average equity (ytd only) | 6.2262% | 1,592 |
| Net charge-offs to loans | 0.1250% | 1,997 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 57.7000% | 919 |
| Efficiency ratio | 55.8531% | 5,083 |
| Assets per employee ($millions) | 5.9293% | 1,530 |
| Cash dividends to net income (ytd only)* | 49.8008% | 2,311 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1819% | 41 |
| Loan loss allowance to noncurrent loans | 1,000.0000% | 609 |
| Noncurrent assets plus other real estate owned to assets | 0.3767% | 3,767 |
| Noncurrent loans to loans | 0.5182% | 3,294 |
| Net loans and leases to total assets | 23.1448% | 5,772 |
| Net loans and leases to deposits | 26.1306% | 5,783 |
| Net loans and leases to core deposits | 26.3480% | 5,791 |
| Total domestic deposits to total assets | 88.5738% | 1,339 |
| Equity capital to assets | 11.3279% | 2,308 |
| Core capital (leverage) ratio | 11.1348% | 2,225 |
| Tier 1 risk-based capital ratio | 27.4605% | 598 |
| Total risk-based capital ratio | 28.7296% | 584 |
| Memoranda: | ||
| Average total assets | $37,051,800 | 5,593 |
| Average earning assets | $35,250,000 | 5,556 |
| Average equity | $4,047,400 | 5,635 |
| Average total loans | $8,000,600 | 5,811 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7461% | 5,741 |
| Cost of funding earning assets | 0.3907% | 3,121 |
| Net interest margin | 2.3554% | 5,744 |
| Noninterest income to average assets | 0.8694% | 1,516 |
| Noninterest expense to average assets | 1.9133% | 5,354 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.1275% | 1,887 |
| Return on assets (ROA) | 1.0903% | 2,142 |
| Pretax return on assets | 1.1509% | 3,045 |
| Return on Equity (ROE) | 10.0695% | 2,022 |
| Retained earnings to average equity (ytd only) | 10.0695% | 562 |
| Net charge-offs to loans | 0.1533% | 1,468 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 37.1100% | 1,296 |
| Efficiency ratio | 61.6533% | 4,286 |
| Assets per employee ($millions) | 6.0860% | 1,367 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.7460% | 33 |
| Loan loss allowance to noncurrent loans | 635.2113% | 866 |
| Noncurrent assets plus other real estate owned to assets | 0.4382% | 3,665 |
| Noncurrent loans to loans | 0.9046% | 2,438 |
| Net loans and leases to total assets | 20.2596% | 5,865 |
| Net loans and leases to deposits | 22.9431% | 5,880 |
| Net loans and leases to core deposits | 23.3486% | 5,886 |
| Total domestic deposits to total assets | 88.3038% | 1,237 |
| Equity capital to assets | 11.5922% | 2,438 |
| Core capital (leverage) ratio | 10.8932% | 2,574 |
| Tier 1 risk-based capital ratio | 30.7491% | 456 |
| Total risk-based capital ratio | 32.0251% | 452 |
| Memoranda: | ||
| Average total assets | $37,420,750 | 5,644 |
| Average earning assets | $35,492,250 | 5,612 |
| Average equity | $4,051,750 | 5,695 |
| Average total loans | $7,829,750 | 5,881 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7050% | 5,841 |
| Cost of funding earning assets | 0.3952% | 3,094 |
| Net interest margin | 2.3099% | 5,856 |
| Noninterest income to average assets | 0.9755% | 1,187 |
| Noninterest expense to average assets | 1.8186% | 5,573 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.2672% | 1,368 |
| Return on assets (ROA) | 1.2672% | 1,483 |
| Pretax return on assets | 1.3573% | 2,180 |
| Return on Equity (ROE) | 11.9760% | 1,334 |
| Retained earnings to average equity (ytd only) | 11.9760% | 329 |
| Net charge-offs to loans | 0.0511% | 2,471 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 128.0000% | 466 |
| Efficiency ratio | 57.2621% | 4,995 |
| Assets per employee ($millions) | 6.4413% | 1,112 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.3966% | 22 |
| Loan loss allowance to noncurrent loans | 11,450.0000% | 73 |
| Noncurrent assets plus other real estate owned to assets | 0.2406% | 4,531 |
| Noncurrent loans to loans | 0.0559% | 5,236 |
| Net loans and leases to total assets | 17.3411% | 5,966 |
| Net loans and leases to deposits | 19.4860% | 5,977 |
| Net loans and leases to core deposits | 19.8085% | 5,977 |
| Total domestic deposits to total assets | 88.9930% | 920 |
| Equity capital to assets | 10.8647% | 3,216 |
| Core capital (leverage) ratio | 10.6444% | 2,800 |
| Tier 1 risk-based capital ratio | 29.1784% | 530 |
| Total risk-based capital ratio | 30.4529% | 525 |
| Memoranda: | ||
| Average total assets | $37,722,330 | 5,709 |
| Average earning assets | $35,933,000 | 5,665 |
| Average equity | $3,991,330 | 5,771 |
| Average total loans | $7,823,330 | 5,955 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6317% | 5,927 |
| Cost of funding earning assets | 0.4161% | 2,890 |
| Net interest margin | 2.2156% | 5,957 |
| Noninterest income to average assets | 0.9040% | 1,302 |
| Noninterest expense to average assets | 1.6036% | 5,827 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.2915% | 1,278 |
| Return on assets (ROA) | 1.2915% | 1,361 |
| Pretax return on assets | 1.4206% | 1,841 |
| Return on Equity (ROE) | 12.6466% | 1,115 |
| Retained earnings to average equity (ytd only) | 12.6466% | 423 |
| Net charge-offs to loans | 0.1471% | 1,231 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 44.0000% | 956 |
| Efficiency ratio | 53.0249% | 5,452 |
| Assets per employee ($millions) | 6.3202% | 1,207 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.7841% | 35 |
| Loan loss allowance to noncurrent loans | 128.7324% | 3,083 |
| Noncurrent assets plus other real estate owned to assets | 1.1709% | 1,880 |
| Noncurrent loans to loans | 4.4931% | 240 |
| Net loans and leases to total assets | 19.6303% | 5,998 |
| Net loans and leases to deposits | 21.8993% | 6,015 |
| Net loans and leases to core deposits | 22.2648% | 6,016 |
| Total domestic deposits to total assets | 89.6390% | 761 |
| Equity capital to assets | 10.2054% | 3,835 |
| Core capital (leverage) ratio | 10.2454% | 3,266 |
| Tier 1 risk-based capital ratio | 26.6327% | 692 |
| Total risk-based capital ratio | 27.9059% | 683 |
| Memoranda: | ||
| Average total assets | $37,167,500 | 5,773 |
| Average earning assets | $35,566,500 | 5,730 |
| Average equity | $3,795,500 | 5,844 |
| Average total loans | $8,155,000 | 6,002 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7326% | 5,920 |
| Cost of funding earning assets | 0.4780% | 2,370 |
| Net interest margin | 2.2546% | 5,971 |
| Noninterest income to average assets | 1.2541% | 763 |
| Noninterest expense to average assets | 2.0137% | 5,429 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.2845% | 1,304 |
| Return on assets (ROA) | 1.2845% | 1,348 |
| Pretax return on assets | 1.4032% | 1,885 |
| Return on Equity (ROE) | 12.7223% | 1,120 |
| Retained earnings to average equity (ytd only) | 5.8824% | 1,853 |
| Net charge-offs to loans | 0.1215% | 2,163 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 56.4444% | 915 |
| Efficiency ratio | 58.9329% | 5,035 |
| Assets per employee ($millions) | 6.0690% | 1,335 |
| Cash dividends to net income (ytd only)* | 53.7634% | 2,091 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.4584% | 40 |
| Loan loss allowance to noncurrent loans | 140.3670% | 2,957 |
| Noncurrent assets plus other real estate owned to assets | 1.1424% | 1,914 |
| Noncurrent loans to loans | 3.8887% | 321 |
| Net loans and leases to total assets | 21.8323% | 6,031 |
| Net loans and leases to deposits | 24.3574% | 6,046 |
| Net loans and leases to core deposits | 24.7841% | 6,054 |
| Total domestic deposits to total assets | 89.6331% | 785 |
| Equity capital to assets | 10.2186% | 3,722 |
| Core capital (leverage) ratio | 10.0524% | 3,437 |
| Tier 1 risk-based capital ratio | 24.4304% | 868 |
| Total risk-based capital ratio | 25.7042% | 849 |
| Memoranda: | ||
| Average total assets | $36,202,000 | 5,848 |
| Average earning assets | $34,729,000 | 5,794 |
| Average equity | $3,655,000 | 5,908 |
| Average total loans | $7,405,000 | 6,078 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7701% | 5,981 |
| Cost of funding earning assets | 0.4943% | 2,275 |
| Net interest margin | 2.2759% | 6,047 |
| Noninterest income to average assets | 0.8889% | 1,482 |
| Noninterest expense to average assets | 1.9216% | 5,609 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.1323% | 1,888 |
| Return on assets (ROA) | 1.1323% | 1,961 |
| Pretax return on assets | 1.1581% | 2,989 |
| Return on Equity (ROE) | 11.2497% | 1,609 |
| Retained earnings to average equity (ytd only) | 11.2497% | 443 |
| Net charge-offs to loans | 0.0373% | 3,154 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 156.8015% | 444 |
| Efficiency ratio | 62.3952% | 4,509 |
| Assets per employee ($millions) | 8.9025% | 381 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.6829% | 25 |
| Loan loss allowance to noncurrent loans | 576.5432% | 905 |
| Noncurrent assets plus other real estate owned to assets | 0.4774% | 3,899 |
| Noncurrent loans to loans | 1.1591% | 2,203 |
| Net loans and leases to total assets | 18.3123% | 6,160 |
| Net loans and leases to deposits | 20.5114% | 6,177 |
| Net loans and leases to core deposits | 20.8799% | 6,181 |
| Total domestic deposits to total assets | 89.2783% | 885 |
| Equity capital to assets | 10.5729% | 3,517 |
| Core capital (leverage) ratio | 10.3162% | 3,235 |
| Tier 1 risk-based capital ratio | 29.5873% | 546 |
| Total risk-based capital ratio | 30.8541% | 536 |
| Memoranda: | ||
| Average total assets | $36,149,000 | 5,924 |
| Average earning assets | $34,799,000 | 5,872 |
| Average equity | $3,638,500 | 5,988 |
| Average total loans | $7,154,000 | 6,165 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7718% | 6,041 |
| Cost of funding earning assets | 0.5086% | 2,177 |
| Net interest margin | 2.2631% | 6,118 |
| Noninterest income to average assets | 0.8808% | 1,506 |
| Noninterest expense to average assets | 1.9984% | 5,535 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.0625% | 2,091 |
| Return on assets (ROA) | 1.0625% | 2,197 |
| Pretax return on assets | 1.0625% | 3,328 |
| Return on Equity (ROE) | 10.7332% | 1,771 |
| Retained earnings to average equity (ytd only) | 10.7332% | 543 |
| Net charge-offs to loans | 0.0555% | 2,618 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 96.5000% | 613 |
| Efficiency ratio | 65.2878% | 4,132 |
| Assets per employee ($millions) | 6.3750% | 1,112 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.9370% | 18 |
| Loan loss allowance to noncurrent loans | 251.0753% | 1,873 |
| Noncurrent assets plus other real estate owned to assets | 0.7190% | 3,235 |
| Noncurrent loans to loans | 2.7629% | 764 |
| Net loans and leases to total assets | 16.3791% | 6,254 |
| Net loans and leases to deposits | 18.1326% | 6,268 |
| Net loans and leases to core deposits | 18.4319% | 6,264 |
| Total domestic deposits to total assets | 90.3294% | 524 |
| Equity capital to assets | 9.5268% | 4,621 |
| Core capital (leverage) ratio | 9.7161% | 3,980 |
| Tier 1 risk-based capital ratio | 28.5626% | 611 |
| Total risk-based capital ratio | 29.8411% | 600 |
| Memoranda: | ||
| Average total assets | $36,328,670 | 5,986 |
| Average earning assets | $34,995,670 | 5,928 |
| Average equity | $3,596,330 | 6,055 |
| Average total loans | $7,209,330 | 6,235 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8318% | 6,049 |
| Cost of funding earning assets | 0.5640% | 1,713 |
| Net interest margin | 2.2678% | 6,174 |
| Noninterest income to average assets | 0.8935% | 1,405 |
| Noninterest expense to average assets | 1.6512% | 6,059 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.3458% | 1,147 |
| Return on assets (ROA) | 1.3458% | 1,216 |
| Pretax return on assets | 1.4250% | 1,792 |
| Return on Equity (ROE) | 13.3240% | 1,021 |
| Retained earnings to average equity (ytd only) | 13.3240% | 413 |
| Net charge-offs to loans | 0.1074% | 1,665 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 63.0000% | 706 |
| Efficiency ratio | 53.6765% | 5,701 |
| Assets per employee ($millions) | 5.3953% | 1,890 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.8981% | 20 |
| Loan loss allowance to noncurrent loans | 299.3590% | 1,599 |
| Noncurrent assets plus other real estate owned to assets | 0.6487% | 3,563 |
| Noncurrent loans to loans | 2.3043% | 1,070 |
| Net loans and leases to total assets | 16.6892% | 6,306 |
| Net loans and leases to deposits | 18.5045% | 6,320 |
| Net loans and leases to core deposits | 18.8144% | 6,318 |
| Total domestic deposits to total assets | 90.1898% | 655 |
| Equity capital to assets | 9.6486% | 4,580 |
| Core capital (leverage) ratio | 9.8490% | 3,821 |
| Tier 1 risk-based capital ratio | 25.3360% | 849 |
| Total risk-based capital ratio | 26.6102% | 832 |
| Memoranda: | ||
| Average total assets | $35,368,000 | 6,071 |
| Average earning assets | $34,042,000 | 6,012 |
| Average equity | $3,572,500 | 6,116 |
| Average total loans | $7,448,000 | 6,299 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1018% | 5,954 |
| Cost of funding earning assets | 0.5578% | 2,150 |
| Net interest margin | 2.5440% | 6,119 |
| Noninterest income to average assets | 1.3884% | 632 |
| Noninterest expense to average assets | 2.2062% | 5,343 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.4118% | 1,059 |
| Return on assets (ROA) | 1.4553% | 1,003 |
| Pretax return on assets | 1.6474% | 1,099 |
| Return on Equity (ROE) | 14.7876% | 813 |
| Retained earnings to average equity (ytd only) | 5.9151% | 1,975 |
| Net charge-offs to loans | -0.0126% | 5,607 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9954% | 5,458 |
| Assets per employee ($millions) | 4.7099% | 2,718 |
| Cash dividends to net income (ytd only)* | 60.0000% | 1,741 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.7716% | 47 |
| Loan loss allowance to noncurrent loans | 2,039.1304% | 321 |
| Noncurrent assets plus other real estate owned to assets | 0.3397% | 4,695 |
| Noncurrent loans to loans | 0.2830% | 4,837 |
| Net loans and leases to total assets | 23.2248% | 6,329 |
| Net loans and leases to deposits | 26.0283% | 6,347 |
| Net loans and leases to core deposits | 26.5334% | 6,351 |
| Total domestic deposits to total assets | 89.2293% | 1,102 |
| Equity capital to assets | 10.6191% | 3,336 |
| Core capital (leverage) ratio | 10.5782% | 2,868 |
| Tier 1 risk-based capital ratio | 24.6948% | 866 |
| Total risk-based capital ratio | 25.9719% | 846 |
| Memoranda: | ||
| Average total assets | $34,357,000 | 6,169 |
| Average earning assets | $32,626,200 | 6,126 |
| Average equity | $3,381,200 | 6,204 |
| Average total loans | $7,923,800 | 6,372 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0760% | 6,059 |
| Cost of funding earning assets | 0.5552% | 2,237 |
| Net interest margin | 2.5208% | 6,209 |
| Noninterest income to average assets | 1.0373% | 1,138 |
| Noninterest expense to average assets | 2.0862% | 5,607 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.2669% | 1,470 |
| Return on assets (ROA) | 1.3216% | 1,370 |
| Pretax return on assets | 1.3985% | 2,011 |
| Return on Equity (ROE) | 13.6862% | 1,053 |
| Retained earnings to average equity (ytd only) | 13.6862% | 271 |
| Net charge-offs to loans | -0.0169% | 5,571 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8744% | 5,060 |
| Assets per employee ($millions) | 4.7164% | 2,642 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.3688% | 39 |
| Loan loss allowance to noncurrent loans | 6,700.0000% | 105 |
| Noncurrent assets plus other real estate owned to assets | 0.2908% | 5,108 |
| Noncurrent loans to loans | 0.0951% | 5,660 |
| Net loans and leases to total assets | 20.8844% | 6,436 |
| Net loans and leases to deposits | 23.4620% | 6,456 |
| Net loans and leases to core deposits | 23.6714% | 6,458 |
| Total domestic deposits to total assets | 89.0141% | 1,229 |
| Equity capital to assets | 10.8526% | 3,123 |
| Core capital (leverage) ratio | 10.3582% | 3,201 |
| Tier 1 risk-based capital ratio | 26.0546% | 782 |
| Total risk-based capital ratio | 27.3273% | 759 |
| Memoranda: | ||
| Average total assets | $34,704,000 | 6,237 |
| Average earning assets | $32,898,750 | 6,192 |
| Average equity | $3,351,250 | 6,277 |
| Average total loans | $7,873,250 | 6,450 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1262% | 6,034 |
| Cost of funding earning assets | 0.5419% | 2,420 |
| Net interest margin | 2.5843% | 6,190 |
| Noninterest income to average assets | 0.8904% | 1,525 |
| Noninterest expense to average assets | 2.1663% | 5,492 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.0900% | 1,975 |
| Return on assets (ROA) | 1.1682% | 1,761 |
| Pretax return on assets | 1.2703% | 2,368 |
| Return on Equity (ROE) | 12.5840% | 1,287 |
| Retained earnings to average equity (ytd only) | 12.5840% | 371 |
| Net charge-offs to loans | -0.0249% | 5,612 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6362% | 4,591 |
| Assets per employee ($millions) | 5.1433% | 2,033 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.6159% | 37 |
| Loan loss allowance to noncurrent loans | 721.5385% | 675 |
| Noncurrent assets plus other real estate owned to assets | 0.4277% | 4,725 |
| Noncurrent loans to loans | 0.9169% | 3,430 |
| Net loans and leases to total assets | 18.3874% | 6,534 |
| Net loans and leases to deposits | 20.3605% | 6,550 |
| Net loans and leases to core deposits | 20.5246% | 6,549 |
| Total domestic deposits to total assets | 90.3091% | 658 |
| Equity capital to assets | 9.5686% | 4,668 |
| Core capital (leverage) ratio | 9.7595% | 3,946 |
| Tier 1 risk-based capital ratio | 25.2721% | 845 |
| Total risk-based capital ratio | 26.5480% | 824 |
| Memoranda: | ||
| Average total assets | $35,267,000 | 6,287 |
| Average earning assets | $33,587,330 | 6,234 |
| Average equity | $3,274,000 | 6,339 |
| Average total loans | $8,043,000 | 6,506 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3600% | 5,729 |
| Cost of funding earning assets | 0.5381% | 2,523 |
| Net interest margin | 2.8220% | 5,894 |
| Noninterest income to average assets | 0.9055% | 1,376 |
| Noninterest expense to average assets | 2.0746% | 5,727 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.3488% | 1,102 |
| Return on assets (ROA) | 1.4900% | 865 |
| Pretax return on assets | 1.6963% | 984 |
| Return on Equity (ROE) | 16.3086% | 611 |
| Retained earnings to average equity (ytd only) | 16.3086% | 258 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.4603% | 5,709 |
| Assets per employee ($millions) | 4.6400% | 2,741 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.8942% | 53 |
| Loan loss allowance to noncurrent loans | 2,233.3333% | 257 |
| Noncurrent assets plus other real estate owned to assets | 0.2963% | 5,274 |
| Noncurrent loans to loans | 0.2639% | 5,309 |
| Net loans and leases to total assets | 20.1724% | 6,572 |
| Net loans and leases to deposits | 22.1552% | 6,595 |
| Net loans and leases to core deposits | 22.5284% | 6,596 |
| Total domestic deposits to total assets | 91.0506% | 545 |
| Equity capital to assets | 8.7069% | 5,441 |
| Core capital (leverage) ratio | 9.6232% | 4,104 |
| Tier 1 risk-based capital ratio | 23.4787% | 1,078 |
| Total risk-based capital ratio | 24.7519% | 1,054 |
| Memoranda: | ||
| Average total assets | $34,899,000 | 6,356 |
| Average earning assets | $33,452,000 | 6,299 |
| Average equity | $3,188,500 | 6,408 |
| Average total loans | $8,520,000 | 6,557 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2077% | 6,126 |
| Cost of funding earning assets | 0.6299% | 2,388 |
| Net interest margin | 2.5778% | 6,289 |
| Noninterest income to average assets | 1.2965% | 827 |
| Noninterest expense to average assets | 2.3453% | 5,249 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.2057% | 1,540 |
| Return on assets (ROA) | 1.1711% | 1,736 |
| Pretax return on assets | 1.3515% | 1,963 |
| Return on Equity (ROE) | 11.6783% | 1,529 |
| Retained earnings to average equity (ytd only) | 4.0554% | 3,301 |
| Net charge-offs to loans | -0.7422% | 6,746 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7660% | 5,093 |
| Assets per employee ($millions) | 4.0848% | 3,687 |
| Cash dividends to net income (ytd only)* | 65.2742% | 1,525 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1525% | 84 |
| Loan loss allowance to noncurrent loans | 2,127.2727% | 282 |
| Noncurrent assets plus other real estate owned to assets | 0.3366% | 5,256 |
| Noncurrent loans to loans | 0.2422% | 5,454 |
| Net loans and leases to total assets | 26.3633% | 6,561 |
| Net loans and leases to deposits | 29.6405% | 6,589 |
| Net loans and leases to core deposits | 30.2228% | 6,597 |
| Total domestic deposits to total assets | 88.9436% | 1,667 |
| Equity capital to assets | 9.6242% | 4,252 |
| Core capital (leverage) ratio | 10.0444% | 3,504 |
| Tier 1 risk-based capital ratio | 20.3954% | 1,562 |
| Total risk-based capital ratio | 21.6682% | 1,528 |
| Memoranda: | ||
| Average total assets | $32,704,000 | 6,468 |
| Average earning assets | $30,957,200 | 6,426 |
| Average equity | $3,279,600 | 6,475 |
| Average total loans | $7,410,400 | 6,670 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2196% | 6,170 |
| Cost of funding earning assets | 0.6543% | 2,329 |
| Net interest margin | 2.5653% | 6,359 |
| Noninterest income to average assets | 0.9660% | 1,557 |
| Noninterest expense to average assets | 2.1685% | 5,685 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.2106% | 1,597 |
| Return on assets (ROA) | 1.3003% | 1,412 |
| Pretax return on assets | 1.3003% | 2,330 |
| Return on Equity (ROE) | 12.8369% | 1,276 |
| Retained earnings to average equity (ytd only) | 12.8369% | 347 |
| Net charge-offs to loans | 0.1906% | 2,698 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 29.7067% | 1,241 |
| Efficiency ratio | 64.1737% | 4,775 |
| Assets per employee ($millions) | 4.7553% | 2,499 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.8593% | 61 |
| Loan loss allowance to noncurrent loans | 1,831.8182% | 285 |
| Noncurrent assets plus other real estate owned to assets | 0.3305% | 5,416 |
| Noncurrent loans to loans | 0.3199% | 5,426 |
| Net loans and leases to total assets | 19.4520% | 6,759 |
| Net loans and leases to deposits | 22.0764% | 6,775 |
| Net loans and leases to core deposits | 22.5061% | 6,773 |
| Total domestic deposits to total assets | 88.1125% | 2,050 |
| Equity capital to assets | 9.9138% | 4,031 |
| Core capital (leverage) ratio | 10.3340% | 3,193 |
| Tier 1 risk-based capital ratio | 23.7761% | 1,034 |
| Total risk-based capital ratio | 25.0443% | 1,012 |
| Memoranda: | ||
| Average total assets | $32,710,500 | 6,538 |
| Average earning assets | $30,769,250 | 6,498 |
| Average equity | $3,313,250 | 6,544 |
| Average total loans | $6,992,250 | 6,758 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2691% | 6,136 |
| Cost of funding earning assets | 0.6986% | 2,071 |
| Net interest margin | 2.5704% | 6,361 |
| Noninterest income to average assets | 0.9841% | 1,572 |
| Noninterest expense to average assets | 2.1957% | 5,639 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.1870% | 1,627 |
| Return on assets (ROA) | 1.2793% | 1,467 |
| Pretax return on assets | 1.2793% | 2,372 |
| Return on Equity (ROE) | 12.5389% | 1,351 |
| Retained earnings to average equity (ytd only) | 12.5389% | 428 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9091% | 4,723 |
| Assets per employee ($millions) | 4.8940% | 2,236 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.9812% | 62 |
| Loan loss allowance to noncurrent loans | 382.4074% | 1,117 |
| Noncurrent assets plus other real estate owned to assets | 0.5721% | 4,820 |
| Noncurrent loans to loans | 1.5641% | 2,963 |
| Net loans and leases to total assets | 18.9503% | 6,809 |
| Net loans and leases to deposits | 21.0288% | 6,832 |
| Net loans and leases to core deposits | 21.4173% | 6,828 |
| Total domestic deposits to total assets | 90.1162% | 967 |
| Equity capital to assets | 9.6065% | 4,445 |
| Core capital (leverage) ratio | 10.0698% | 3,415 |
| Tier 1 risk-based capital ratio | 24.3947% | 950 |
| Total risk-based capital ratio | 25.7318% | 924 |
| Memoranda: | ||
| Average total assets | $32,518,330 | 6,591 |
| Average earning assets | $30,345,000 | 6,551 |
| Average equity | $3,317,670 | 6,599 |
| Average total loans | $7,030,330 | 6,806 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8675% | 6,637 |
| Cost of funding earning assets | 0.7858% | 1,608 |
| Net interest margin | 2.0817% | 6,819 |
| Noninterest income to average assets | 1.0237% | 1,415 |
| Noninterest expense to average assets | 2.0349% | 6,032 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.8974% | 2,672 |
| Return on assets (ROA) | 0.9353% | 2,639 |
| Pretax return on assets | 0.9353% | 3,637 |
| Return on Equity (ROE) | 8.8862% | 2,531 |
| Retained earnings to average equity (ytd only) | 8.8862% | 1,415 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3966% | 4,079 |
| Assets per employee ($millions) | 4.8907% | 2,361 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.0116% | 76 |
| Loan loss allowance to noncurrent loans | 598.5507% | 740 |
| Noncurrent assets plus other real estate owned to assets | 0.4586% | 5,234 |
| Noncurrent loans to loans | 1.0044% | 4,121 |
| Net loans and leases to total assets | 18.8608% | 6,875 |
| Net loans and leases to deposits | 20.9514% | 6,896 |
| Net loans and leases to core deposits | 21.3391% | 6,896 |
| Total domestic deposits to total assets | 90.0219% | 1,033 |
| Equity capital to assets | 9.6685% | 4,610 |
| Core capital (leverage) ratio | 9.5706% | 3,975 |
| Tier 1 risk-based capital ratio | 22.2566% | 1,285 |
| Total risk-based capital ratio | 23.5270% | 1,255 |
| Memoranda: | ||
| Average total assets | $31,648,500 | 6,676 |
| Average earning assets | $29,014,500 | 6,646 |
| Average equity | $3,331,000 | 6,655 |
| Average total loans | $7,093,000 | 6,873 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1500% | 4,771 |
| Cost of funding earning assets | 0.8127% | 2,564 |
| Net interest margin | 3.3373% | 5,116 |
| Noninterest income to average assets | 3.0708% | 246 |
| Noninterest expense to average assets | 2.7437% | 4,238 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 2.7341% | 119 |
| Return on assets (ROA) | 2.7507% | 128 |
| Pretax return on assets | 3.4683% | 98 |
| Return on Equity (ROE) | 24.4681% | 137 |
| Retained earnings to average equity (ytd only) | 15.0814% | 154 |
| Net charge-offs to loans | -2.5168% | 7,036 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.3182% | 6,835 |
| Assets per employee ($millions) | 4.1517% | 3,644 |
| Cash dividends to net income (ytd only)* | 38.3632% | 2,947 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.6452% | 85 |
| Loan loss allowance to noncurrent loans | 635.3846% | 665 |
| Noncurrent assets plus other real estate owned to assets | 0.5265% | 5,164 |
| Noncurrent loans to loans | 0.8885% | 4,397 |
| Net loans and leases to total assets | 23.7527% | 6,862 |
| Net loans and leases to deposits | 27.1954% | 6,891 |
| Net loans and leases to core deposits | 27.8089% | 6,888 |
| Total domestic deposits to total assets | 87.3409% | 2,621 |
| Equity capital to assets | 11.5340% | 2,411 |
| Core capital (leverage) ratio | 10.8337% | 2,403 |
| Tier 1 risk-based capital ratio | 23.0937% | 1,100 |
| Total risk-based capital ratio | 24.4350% | 1,071 |
| Memoranda: | ||
| Average total assets | $28,428,800 | 6,793 |
| Average earning assets | $26,578,200 | 6,750 |
| Average equity | $3,196,000 | 6,745 |
| Average total loans | $7,628,600 | 6,929 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2325% | 4,698 |
| Cost of funding earning assets | 0.8231% | 2,751 |
| Net interest margin | 3.4094% | 5,005 |
| Noninterest income to average assets | 3.1740% | 231 |
| Noninterest expense to average assets | 2.7401% | 4,214 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 2.8545% | 118 |
| Return on assets (ROA) | 2.8769% | 119 |
| Pretax return on assets | 3.6267% | 94 |
| Return on Equity (ROE) | 25.7621% | 128 |
| Retained earnings to average equity (ytd only) | 25.7621% | 48 |
| Net charge-offs to loans | -3.4601% | 7,135 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.2292% | 6,921 |
| Assets per employee ($millions) | 4.1756% | 3,529 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.8165% | 77 |
| Loan loss allowance to noncurrent loans | 738.5965% | 557 |
| Noncurrent assets plus other real estate owned to assets | 0.4961% | 5,438 |
| Noncurrent loans to loans | 0.7875% | 4,830 |
| Net loans and leases to total assets | 23.3227% | 6,981 |
| Net loans and leases to deposits | 27.6182% | 6,988 |
| Net loans and leases to core deposits | 28.2593% | 6,990 |
| Total domestic deposits to total assets | 84.4470% | 4,005 |
| Equity capital to assets | 11.8820% | 2,366 |
| Core capital (leverage) ratio | 11.2231% | 2,197 |
| Tier 1 risk-based capital ratio | 23.6222% | 1,074 |
| Total risk-based capital ratio | 24.9624% | 1,041 |
| Memoranda: | ||
| Average total assets | $28,270,500 | 6,885 |
| Average earning assets | $26,240,750 | 6,844 |
| Average equity | $3,157,000 | 6,836 |
| Average total loans | $7,706,750 | 7,018 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4524% | 3,969 |
| Cost of funding earning assets | 0.8187% | 3,043 |
| Net interest margin | 3.6336% | 4,111 |
| Noninterest income to average assets | 4.2360% | 169 |
| Noninterest expense to average assets | 2.6690% | 4,540 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 3.7736% | 70 |
| Return on assets (ROA) | 3.8067% | 68 |
| Pretax return on assets | 4.9444% | 60 |
| Return on Equity (ROE) | 34.8662% | 51 |
| Retained earnings to average equity (ytd only) | 34.8662% | 36 |
| Net charge-offs to loans | -5.0617% | 7,198 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 35.2552% | 7,130 |
| Assets per employee ($millions) | 4.2816% | 3,282 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.6429% | 99 |
| Loan loss allowance to noncurrent loans | 777.7778% | 509 |
| Noncurrent assets plus other real estate owned to assets | 0.4604% | 5,623 |
| Noncurrent loans to loans | 0.7255% | 5,057 |
| Net loans and leases to total assets | 23.4327% | 7,046 |
| Net loans and leases to deposits | 26.4879% | 7,066 |
| Net loans and leases to core deposits | 27.0594% | 7,070 |
| Total domestic deposits to total assets | 88.4655% | 1,843 |
| Equity capital to assets | 11.1541% | 2,950 |
| Core capital (leverage) ratio | 11.3137% | 2,031 |
| Tier 1 risk-based capital ratio | 24.2273% | 988 |
| Total risk-based capital ratio | 25.5013% | 970 |
| Memoranda: | ||
| Average total assets | $27,951,000 | 6,949 |
| Average earning assets | $25,649,330 | 6,911 |
| Average equity | $3,051,670 | 6,901 |
| Average total loans | $7,863,000 | 7,075 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3934% | 4,357 |
| Cost of funding earning assets | 1.1810% | 1,063 |
| Net interest margin | 3.2123% | 5,752 |
| Noninterest income to average assets | 7.5573% | 93 |
| Noninterest expense to average assets | 2.5686% | 4,929 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 5.8145% | 39 |
| Return on assets (ROA) | 5.8795% | 41 |
| Pretax return on assets | 8.1066% | 40 |
| Return on Equity (ROE) | 54.5079% | 25 |
| Retained earnings to average equity (ytd only) | 54.5079% | 17 |
| Net charge-offs to loans | -9.8600% | 7,263 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 24.2637% | 7,255 |
| Assets per employee ($millions) | 4.0083% | 3,991 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.3578% | 129 |
| Loan loss allowance to noncurrent loans | 1,680.0000% | 260 |
| Noncurrent assets plus other real estate owned to assets | 0.3885% | 5,900 |
| Noncurrent loans to loans | 0.3189% | 6,041 |
| Net loans and leases to total assets | 26.4417% | 7,024 |
| Net loans and leases to deposits | 30.3039% | 7,049 |
| Net loans and leases to core deposits | 31.0133% | 7,057 |
| Total domestic deposits to total assets | 87.2550% | 2,799 |
| Equity capital to assets | 10.9701% | 2,941 |
| Core capital (leverage) ratio | 11.4953% | 1,897 |
| Tier 1 risk-based capital ratio | 23.1208% | 1,117 |
| Total risk-based capital ratio | 24.4636% | 1,086 |
| Memoranda: | ||
| Average total assets | $26,941,000 | 7,028 |
| Average earning assets | $25,402,000 | 6,969 |
| Average equity | $2,906,000 | 6,981 |
| Average total loans | $8,073,000 | 7,133 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4097% | 5,382 |
| Cost of funding earning assets | 0.7818% | 4,995 |
| Net interest margin | 3.6279% | 4,620 |
| Noninterest income to average assets | 1.7484% | 465 |
| Noninterest expense to average assets | 3.0034% | 3,581 |
| Loan and lease loss provision to assets | 0.0777% | 5,640 |
| Net operating income to assets | 1.6397% | 620 |
| Return on assets (ROA) | 1.6397% | 664 |
| Pretax return on assets | 2.0748% | 460 |
| Return on Equity (ROE) | 15.7228% | 647 |
| Retained earnings to average equity (ytd only) | 8.2712% | 993 |
| Net charge-offs to loans | -0.5002% | 7,277 |
| Credit loss provision to net charge-offs | -50.0000% | 6,664 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.2517% | 6,018 |
| Assets per employee ($millions) | 3.6891% | 4,575 |
| Cash dividends to net income (ytd only)* | 47.3934% | 2,204 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6604% | 1,124 |
| Loan loss allowance to noncurrent loans | 172.6563% | 1,888 |
| Noncurrent assets plus other real estate owned to assets | 0.7706% | 5,099 |
| Noncurrent loans to loans | 1.5409% | 3,842 |
| Net loans and leases to total assets | 31.3120% | 6,960 |
| Net loans and leases to deposits | 37.4994% | 6,963 |
| Net loans and leases to core deposits | 38.4993% | 6,986 |
| Total domestic deposits to total assets | 83.4998% | 4,540 |
| Equity capital to assets | 10.5871% | 3,431 |
| Core capital (leverage) ratio | 10.2872% | 2,987 |
| Tier 1 risk-based capital ratio | 20.2534% | 1,582 |
| Total risk-based capital ratio | 21.5654% | 1,541 |
| Memoranda: | ||
| Average total assets | $25,737,200 | 7,081 |
| Average earning assets | $24,174,000 | 7,034 |
| Average equity | $2,684,000 | 7,077 |
| Average total loans | $7,996,600 | 7,183 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5230% | 5,188 |
| Cost of funding earning assets | 0.7770% | 5,298 |
| Net interest margin | 3.7461% | 4,128 |
| Noninterest income to average assets | 1.3688% | 697 |
| Noninterest expense to average assets | 2.6546% | 4,887 |
| Loan and lease loss provision to assets | 0.1037% | 5,149 |
| Net operating income to assets | 1.6799% | 665 |
| Return on assets (ROA) | 1.6592% | 756 |
| Pretax return on assets | 2.0843% | 538 |
| Return on Equity (ROE) | 15.9708% | 690 |
| Retained earnings to average equity (ytd only) | 15.9708% | 181 |
| Net charge-offs to loans | -0.8250% | 7,375 |
| Credit loss provision to net charge-offs | -40.8163% | 6,459 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.5261% | 6,437 |
| Assets per employee ($millions) | 3.7106% | 4,513 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9674% | 886 |
| Loan loss allowance to noncurrent loans | 179.6875% | 1,705 |
| Noncurrent assets plus other real estate owned to assets | 0.7623% | 5,248 |
| Noncurrent loans to loans | 1.6514% | 3,819 |
| Net loans and leases to total assets | 28.9559% | 7,118 |
| Net loans and leases to deposits | 33.4341% | 7,145 |
| Net loans and leases to core deposits | 34.2877% | 7,157 |
| Total domestic deposits to total assets | 86.6058% | 2,878 |
| Equity capital to assets | 10.9263% | 3,214 |
| Core capital (leverage) ratio | 10.3583% | 3,025 |
| Tier 1 risk-based capital ratio | 23.2097% | 1,120 |
| Total risk-based capital ratio | 24.5269% | 1,093 |
| Memoranda: | ||
| Average total assets | $25,715,500 | 7,152 |
| Average earning assets | $24,024,500 | 7,114 |
| Average equity | $2,671,500 | 7,147 |
| Average total loans | $7,919,000 | 7,258 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7030% | 4,520 |
| Cost of funding earning assets | 0.7810% | 5,507 |
| Net interest margin | 3.9220% | 3,210 |
| Noninterest income to average assets | 1.3110% | 732 |
| Noninterest expense to average assets | 2.7078% | 4,794 |
| Loan and lease loss provision to assets | 0.1561% | 4,358 |
| Net operating income to assets | 1.6283% | 693 |
| Return on assets (ROA) | 1.6466% | 714 |
| Pretax return on assets | 2.1148% | 477 |
| Return on Equity (ROE) | 16.1315% | 656 |
| Retained earnings to average equity (ytd only) | 16.1315% | 200 |
| Net charge-offs to loans | -1.1536% | 7,446 |
| Credit loss provision to net charge-offs | -43.4783% | 6,240 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.6457% | 6,553 |
| Assets per employee ($millions) | 3.8571% | 4,076 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1126% | 816 |
| Loan loss allowance to noncurrent loans | 255.0562% | 1,216 |
| Noncurrent assets plus other real estate owned to assets | 0.5630% | 5,800 |
| Noncurrent loans to loans | 1.2203% | 4,624 |
| Net loans and leases to total assets | 26.1704% | 7,281 |
| Net loans and leases to deposits | 29.3025% | 7,314 |
| Net loans and leases to core deposits | 29.6716% | 7,322 |
| Total domestic deposits to total assets | 89.3111% | 1,352 |
| Equity capital to assets | 10.1000% | 4,018 |
| Core capital (leverage) ratio | 9.9262% | 3,352 |
| Tier 1 risk-based capital ratio | 23.6893% | 1,036 |
| Total risk-based capital ratio | 25.0177% | 1,017 |
| Memoranda: | ||
| Average total assets | $25,629,330 | 7,222 |
| Average earning assets | $23,814,670 | 7,183 |
| Average equity | $2,616,000 | 7,221 |
| Average total loans | $7,975,000 | 7,326 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5751% | 5,054 |
| Cost of funding earning assets | 0.7769% | 5,696 |
| Net interest margin | 3.7982% | 3,633 |
| Noninterest income to average assets | 1.4112% | 649 |
| Noninterest expense to average assets | 2.7261% | 4,732 |
| Loan and lease loss provision to assets | 0.3207% | 2,623 |
| Net operating income to assets | 1.4981% | 879 |
| Return on assets (ROA) | 1.5234% | 876 |
| Pretax return on assets | 1.9243% | 645 |
| Return on Equity (ROE) | 14.8409% | 845 |
| Retained earnings to average equity (ytd only) | 14.8409% | 405 |
| Net charge-offs to loans | 0.2405% | 3,115 |
| Credit loss provision to net charge-offs | 400.0000% | 835 |
| Earnings coverage of net charge-offs (x) | 27.6000% | 890 |
| Efficiency ratio | 55.1948% | 6,591 |
| Assets per employee ($millions) | 3.7857% | 4,332 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2561% | 1,848 |
| Loan loss allowance to noncurrent loans | 63.5379% | 4,219 |
| Noncurrent assets plus other real estate owned to assets | 1.2528% | 4,441 |
| Noncurrent loans to loans | 3.5508% | 2,096 |
| Net loans and leases to total assets | 28.7736% | 7,271 |
| Net loans and leases to deposits | 32.0756% | 7,322 |
| Net loans and leases to core deposits | 32.4855% | 7,346 |
| Total domestic deposits to total assets | 89.7057% | 1,351 |
| Equity capital to assets | 9.8226% | 4,007 |
| Core capital (leverage) ratio | 10.0031% | 3,142 |
| Tier 1 risk-based capital ratio | 22.2590% | 1,182 |
| Total risk-based capital ratio | 23.5903% | 1,148 |
| Memoranda: | ||
| Average total assets | $24,944,000 | 7,290 |
| Average earning assets | $23,169,000 | 7,260 |
| Average equity | $2,560,500 | 7,281 |
| Average total loans | $8,316,000 | 7,368 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6036% | 6,103 |
| Cost of funding earning assets | 0.9657% | 5,864 |
| Net interest margin | 3.6379% | 4,628 |
| Noninterest income to average assets | 1.9169% | 424 |
| Noninterest expense to average assets | 3.0077% | 3,824 |
| Loan and lease loss provision to assets | 0.0855% | 6,295 |
| Net operating income to assets | 1.7346% | 482 |
| Return on assets (ROA) | 1.8192% | 430 |
| Pretax return on assets | 2.2873% | 256 |
| Return on Equity (ROE) | 18.1811% | 366 |
| Retained earnings to average equity (ytd only) | 10.0464% | 516 |
| Net charge-offs to loans | 1.3916% | 1,601 |
| Credit loss provision to net charge-offs | 16.5354% | 6,583 |
| Earnings coverage of net charge-offs (x) | 4.3858% | 2,945 |
| Efficiency ratio | 57.0216% | 6,455 |
| Assets per employee ($millions) | 3.3411% | 5,330 |
| Cash dividends to net income (ytd only)* | 44.7427% | 2,358 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8231% | 2,786 |
| Loan loss allowance to noncurrent loans | 88.9503% | 3,210 |
| Noncurrent assets plus other real estate owned to assets | 0.9064% | 5,209 |
| Noncurrent loans to loans | 2.0496% | 3,487 |
| Net loans and leases to total assets | 37.0703% | 7,110 |
| Net loans and leases to deposits | 43.5263% | 7,136 |
| Net loans and leases to core deposits | 44.1919% | 7,196 |
| Total domestic deposits to total assets | 85.1676% | 3,770 |
| Equity capital to assets | 10.7662% | 2,890 |
| Core capital (leverage) ratio | 9.5726% | 3,602 |
| Tier 1 risk-based capital ratio | 20.9453% | 1,324 |
| Total risk-based capital ratio | 22.2798% | 1,293 |
| Memoranda: | ||
| Average total assets | $24,570,600 | 7,360 |
| Average earning assets | $22,678,000 | 7,329 |
| Average equity | $2,458,600 | 7,404 |
| Average total loans | $9,126,400 | 7,426 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6618% | 6,146 |
| Cost of funding earning assets | 0.9969% | 5,948 |
| Net interest margin | 3.6650% | 4,571 |
| Noninterest income to average assets | 1.3941% | 699 |
| Noninterest expense to average assets | 2.6702% | 5,005 |
| Loan and lease loss provision to assets | 0.1126% | 5,908 |
| Net operating income to assets | 1.6485% | 674 |
| Return on assets (ROA) | 1.6890% | 690 |
| Pretax return on assets | 2.0107% | 610 |
| Return on Equity (ROE) | 17.1863% | 565 |
| Retained earnings to average equity (ytd only) | 17.1863% | 129 |
| Net charge-offs to loans | 1.8260% | 1,050 |
| Credit loss provision to net charge-offs | 16.6667% | 6,276 |
| Earnings coverage of net charge-offs (x) | 3.0714% | 3,596 |
| Efficiency ratio | 56.2712% | 6,518 |
| Assets per employee ($millions) | 3.7071% | 4,492 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8276% | 2,692 |
| Loan loss allowance to noncurrent loans | 34.1772% | 6,050 |
| Noncurrent assets plus other real estate owned to assets | 1.9461% | 3,541 |
| Noncurrent loans to loans | 5.3475% | 1,262 |
| Net loans and leases to total assets | 33.5337% | 7,363 |
| Net loans and leases to deposits | 38.1215% | 7,418 |
| Net loans and leases to core deposits | 38.6292% | 7,447 |
| Total domestic deposits to total assets | 87.9653% | 1,978 |
| Equity capital to assets | 10.1310% | 3,978 |
| Core capital (leverage) ratio | 9.9898% | 3,265 |
| Tier 1 risk-based capital ratio | 20.8166% | 1,394 |
| Total risk-based capital ratio | 22.1448% | 1,352 |
| Memoranda: | ||
| Average total assets | $24,866,250 | 7,444 |
| Average earning assets | $22,737,250 | 7,426 |
| Average equity | $2,443,750 | 7,504 |
| Average total loans | $9,200,250 | 7,519 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6272% | 6,384 |
| Cost of funding earning assets | 1.0263% | 6,019 |
| Net interest margin | 3.6009% | 4,807 |
| Noninterest income to average assets | 1.4283% | 622 |
| Noninterest expense to average assets | 2.7586% | 4,665 |
| Loan and lease loss provision to assets | 0.1714% | 5,149 |
| Net operating income to assets | 1.5688% | 786 |
| Return on assets (ROA) | 1.5834% | 810 |
| Pretax return on assets | 1.7792% | 925 |
| Return on Equity (ROE) | 16.2888% | 667 |
| Retained earnings to average equity (ytd only) | 16.2888% | 183 |
| Net charge-offs to loans | 2.2121% | 807 |
| Credit loss provision to net charge-offs | 20.3883% | 5,847 |
| Earnings coverage of net charge-offs (x) | 2.3010% | 3,850 |
| Efficiency ratio | 58.7826% | 6,261 |
| Assets per employee ($millions) | 3.6936% | 4,489 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0694% | 2,035 |
| Loan loss allowance to noncurrent loans | 45.4545% | 5,286 |
| Noncurrent assets plus other real estate owned to assets | 1.7521% | 3,825 |
| Noncurrent loans to loans | 4.5526% | 1,596 |
| Net loans and leases to total assets | 33.8619% | 7,423 |
| Net loans and leases to deposits | 37.6656% | 7,503 |
| Net loans and leases to core deposits | 38.6637% | 7,519 |
| Total domestic deposits to total assets | 89.9014% | 970 |
| Equity capital to assets | 9.6616% | 4,450 |
| Core capital (leverage) ratio | 9.6699% | 3,578 |
| Tier 1 risk-based capital ratio | 20.8848% | 1,357 |
| Total risk-based capital ratio | 22.2241% | 1,316 |
| Memoranda: | ||
| Average total assets | $24,505,000 | 7,514 |
| Average earning assets | $22,216,670 | 7,499 |
| Average equity | $2,382,000 | 7,580 |
| Average total loans | $9,312,330 | 7,579 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8885% | 5,517 |
| Cost of funding earning assets | 1.0555% | 6,111 |
| Net interest margin | 3.8331% | 3,655 |
| Noninterest income to average assets | 1.4939% | 538 |
| Noninterest expense to average assets | 3.1725% | 2,966 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.3932% | 1,089 |
| Return on assets (ROA) | 1.3932% | 1,164 |
| Pretax return on assets | 1.7961% | 880 |
| Return on Equity (ROE) | 14.2857% | 999 |
| Retained earnings to average equity (ytd only) | 14.2857% | 474 |
| Net charge-offs to loans | 3.4953% | 408 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 1.2892% | 3,977 |
| Efficiency ratio | 63.8514% | 5,526 |
| Assets per employee ($millions) | 3.5700% | 4,890 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0226% | 2,128 |
| Loan loss allowance to noncurrent loans | 65.2482% | 4,104 |
| Noncurrent assets plus other real estate owned to assets | 1.3285% | 4,533 |
| Noncurrent loans to loans | 3.0999% | 2,584 |
| Net loans and leases to total assets | 35.6663% | 7,437 |
| Net loans and leases to deposits | 39.6327% | 7,529 |
| Net loans and leases to core deposits | 40.1686% | 7,573 |
| Total domestic deposits to total assets | 89.9920% | 989 |
| Equity capital to assets | 9.4638% | 4,591 |
| Core capital (leverage) ratio | 9.6830% | 3,539 |
| Tier 1 risk-based capital ratio | 15.6775% | 2,793 |
| Total risk-based capital ratio | 16.9284% | 2,739 |
| Memoranda: | ||
| Average total assets | $23,830,000 | 7,630 |
| Average earning assets | $21,601,500 | 7,609 |
| Average equity | $2,324,000 | 7,682 |
| Average total loans | $9,498,500 | 7,671 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1461% | 5,897 |
| Cost of funding earning assets | 1.2993% | 6,309 |
| Net interest margin | 3.8468% | 3,500 |
| Noninterest income to average assets | 2.4131% | 289 |
| Noninterest expense to average assets | 3.5568% | 2,253 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 1.9160% | 282 |
| Return on assets (ROA) | 1.9160% | 291 |
| Pretax return on assets | 2.4854% | 160 |
| Return on Equity (ROE) | 17.1995% | 440 |
| Retained earnings to average equity (ytd only) | 4.2024% | 2,276 |
| Net charge-offs to loans | -0.1765% | 7,907 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.8658% | 6,640 |
| Assets per employee ($millions) | 3.2386% | 5,629 |
| Cash dividends to net income (ytd only)* | 75.5668% | 1,335 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6869% | 1,025 |
| Loan loss allowance to noncurrent loans | 63.1829% | 4,230 |
| Noncurrent assets plus other real estate owned to assets | 2.0820% | 3,299 |
| Noncurrent loans to loans | 4.2525% | 1,710 |
| Net loans and leases to total assets | 42.4967% | 7,223 |
| Net loans and leases to deposits | 47.5542% | 7,372 |
| Net loans and leases to core deposits | 50.7881% | 7,566 |
| Total domestic deposits to total assets | 89.3648% | 1,286 |
| Equity capital to assets | 10.0706% | 3,663 |
| Core capital (leverage) ratio | 10.1618% | 2,936 |
| Tier 1 risk-based capital ratio | 14.9092% | 2,995 |
| Total risk-based capital ratio | 16.1668% | 2,935 |
| Memoranda: | ||
| Average total assets | $20,720,600 | 7,753 |
| Average earning assets | $19,548,600 | 7,723 |
| Average equity | $2,308,200 | 7,769 |
| Average total loans | $9,629,600 | 7,720 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1507% | 6,106 |
| Cost of funding earning assets | 1.3346% | 6,451 |
| Net interest margin | 3.8161% | 3,589 |
| Noninterest income to average assets | 1.7001% | 508 |
| Noninterest expense to average assets | 3.2026% | 3,287 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.4036% | 1,022 |
| Return on assets (ROA) | 1.4036% | 1,090 |
| Pretax return on assets | 2.1153% | 425 |
| Return on Equity (ROE) | 12.2700% | 1,293 |
| Retained earnings to average equity (ytd only) | 12.2700% | 320 |
| Net charge-offs to loans | 0.4602% | 3,388 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 9.7270% | 2,067 |
| Efficiency ratio | 60.2230% | 6,381 |
| Assets per employee ($millions) | 3.0611% | 6,007 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1834% | 1,449 |
| Loan loss allowance to noncurrent loans | 40.5253% | 5,636 |
| Noncurrent assets plus other real estate owned to assets | 2.6181% | 2,659 |
| Noncurrent loans to loans | 5.3876% | 1,174 |
| Net loans and leases to total assets | 45.1605% | 7,164 |
| Net loans and leases to deposits | 54.1280% | 7,210 |
| Net loans and leases to core deposits | 56.9604% | 7,512 |
| Total domestic deposits to total assets | 83.4329% | 4,001 |
| Equity capital to assets | 11.2423% | 2,801 |
| Core capital (leverage) ratio | 10.9597% | 2,434 |
| Tier 1 risk-based capital ratio | 15.9456% | 2,648 |
| Total risk-based capital ratio | 17.1964% | 2,583 |
| Memoranda: | ||
| Average total assets | $20,233,250 | 7,843 |
| Average earning assets | $19,181,500 | 7,802 |
| Average equity | $2,314,500 | 7,842 |
| Average total loans | $9,562,000 | 7,799 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1664% | 6,204 |
| Cost of funding earning assets | 1.3635% | 6,609 |
| Net interest margin | 3.8029% | 3,541 |
| Noninterest income to average assets | 1.7343% | 489 |
| Noninterest expense to average assets | 3.2871% | 3,014 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.4217% | 973 |
| Return on assets (ROA) | 1.4217% | 1,045 |
| Pretax return on assets | 2.0469% | 502 |
| Return on Equity (ROE) | 12.3522% | 1,322 |
| Retained earnings to average equity (ytd only) | 12.3522% | 392 |
| Net charge-offs to loans | 0.6983% | 2,306 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 6.1515% | 2,677 |
| Efficiency ratio | 61.6257% | 6,294 |
| Assets per employee ($millions) | 2.9566% | 6,248 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2811% | 1,125 |
| Loan loss allowance to noncurrent loans | 44.2623% | 5,417 |
| Noncurrent assets plus other real estate owned to assets | 2.4981% | 2,579 |
| Noncurrent loans to loans | 5.1537% | 1,168 |
| Net loans and leases to total assets | 44.7091% | 7,284 |
| Net loans and leases to deposits | 50.6209% | 7,460 |
| Net loans and leases to core deposits | 53.2087% | 7,679 |
| Total domestic deposits to total assets | 88.3214% | 1,615 |
| Equity capital to assets | 11.2920% | 2,685 |
| Core capital (leverage) ratio | 11.0078% | 2,391 |
| Tier 1 risk-based capital ratio | 16.4569% | 2,459 |
| Total risk-based capital ratio | 17.7083% | 2,408 |
| Memoranda: | ||
| Average total assets | $19,835,000 | 7,932 |
| Average earning assets | $18,775,000 | 7,890 |
| Average equity | $2,283,000 | 7,931 |
| Average total loans | $9,451,670 | 7,886 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3357% | 5,724 |
| Cost of funding earning assets | 1.3995% | 6,732 |
| Net interest margin | 3.9361% | 2,904 |
| Noninterest income to average assets | 1.7934% | 422 |
| Noninterest expense to average assets | 3.3600% | 2,473 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.6491% | 716 |
| Return on assets (ROA) | 1.6491% | 786 |
| Pretax return on assets | 2.1438% | 500 |
| Return on Equity (ROE) | 14.1844% | 1,131 |
| Retained earnings to average equity (ytd only) | 14.1844% | 501 |
| Net charge-offs to loans | 1.3555% | 1,045 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 3.2500% | 3,229 |
| Efficiency ratio | 61.0487% | 6,245 |
| Assets per employee ($millions) | 2.8636% | 6,488 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2597% | 1,000 |
| Loan loss allowance to noncurrent loans | 56.8063% | 4,794 |
| Noncurrent assets plus other real estate owned to assets | 2.0504% | 2,824 |
| Noncurrent loans to loans | 3.9779% | 1,518 |
| Net loans and leases to total assets | 46.8246% | 7,124 |
| Net loans and leases to deposits | 53.0822% | 7,337 |
| Net loans and leases to core deposits | 55.8824% | 7,624 |
| Total domestic deposits to total assets | 88.2115% | 1,640 |
| Equity capital to assets | 11.4443% | 2,627 |
| Core capital (leverage) ratio | 11.2832% | 2,287 |
| Tier 1 risk-based capital ratio | 16.1788% | 2,622 |
| Total risk-based capital ratio | 17.4364% | 2,563 |
| Memoranda: | ||
| Average total assets | $19,404,500 | 7,998 |
| Average earning assets | $18,292,000 | 7,954 |
| Average equity | $2,256,000 | 7,988 |
| Average total loans | $9,443,000 | 7,935 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6051% | 7,047 |
| Cost of funding earning assets | 1.7925% | 7,028 |
| Net interest margin | 3.8126% | 3,967 |
| Noninterest income to average assets | 2.9420% | 204 |
| Noninterest expense to average assets | 4.0760% | 1,313 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.8334% | 517 |
| Return on assets (ROA) | 2.0059% | 330 |
| Pretax return on assets | 2.6799% | 139 |
| Return on Equity (ROE) | 16.7127% | 671 |
| Retained earnings to average equity (ytd only) | 3.3425% | 3,067 |
| Net charge-offs to loans | -0.0594% | 8,044 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4590% | 5,865 |
| Assets per employee ($millions) | 2.6806% | 6,826 |
| Cash dividends to net income (ytd only)* | 80.0000% | 1,718 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6823% | 568 |
| Loan loss allowance to noncurrent loans | 100.8097% | 3,426 |
| Noncurrent assets plus other real estate owned to assets | 1.3164% | 3,590 |
| Noncurrent loans to loans | 2.6608% | 2,041 |
| Net loans and leases to total assets | 48.1454% | 7,177 |
| Net loans and leases to deposits | 55.7964% | 7,335 |
| Net loans and leases to core deposits | 59.4264% | 7,608 |
| Total domestic deposits to total assets | 86.2876% | 2,268 |
| Equity capital to assets | 11.8205% | 2,409 |
| Core capital (leverage) ratio | 11.2562% | 2,396 |
| Tier 1 risk-based capital ratio | 16.5793% | 2,458 |
| Total risk-based capital ratio | 17.8384% | 2,389 |
| Memoranda: | ||
| Average total assets | $18,694,600 | 8,059 |
| Average earning assets | $17,573,200 | 8,020 |
| Average equity | $2,243,800 | 8,060 |
| Average total loans | $8,416,000 | 8,015 |