Home > State Bank of Wapello > Performance and Condition Ratios
State Bank of Wapello, Performance and Condition Ratios
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3361% | 4,523 |
| Cost of funding earning assets | 0.1219% | 4,109 |
| Net interest margin | 2.2141% | 4,454 |
| Noninterest income to average assets | 0.5700% | 1,823 |
| Noninterest expense to average assets | 1.7095% | 4,137 |
| Loan and lease loss provision to assets | 0.0100% | 2,534 |
| Net operating income to assets | 0.8878% | 2,923 |
| Return on assets (ROA) | 0.8878% | 2,895 |
| Pretax return on assets | 0.9240% | 3,250 |
| Return on Equity (ROE) | 7.4100% | 3,485 |
| Retained earnings to average equity (ytd only) | 3.5417% | 3,601 |
| Net charge-offs to loans | 0.0108% | 1,710 |
| Credit loss provision to net charge-offs | 300.0000% | 808 |
| Earnings coverage of net charge-offs (x) | 310.0000% | 462 |
| Efficiency ratio | 64.6925% | 2,456 |
| Assets per employee ($millions) | 6.2550% | 2,534 |
| Cash dividends to net income (ytd only)* | 52.2034% | 1,103 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5279% | 4,449 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 27.9800% | 4,460 |
| Net loans and leases to deposits | 31.5753% | 4,474 |
| Net loans and leases to core deposits | 31.5753% | 4,487 |
| Total domestic deposits to total assets | 88.6000% | 2,244 |
| Equity capital to assets | 11.3783% | 1,046 |
| Core capital (leverage) ratio | 13.2471% | 842 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 34.6027% | 196 |
| Memoranda: | ||
| Average total assets | $44,300,750 | 4,528 |
| Average earning assets | $41,550,250 | 4,498 |
| Average equity | $5,308,000 | 4,438 |
| Average total loans | $12,351,500 | 4,556 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1655% | 4,578 |
| Cost of funding earning assets | 0.1195% | 3,967 |
| Net interest margin | 2.0460% | 4,536 |
| Noninterest income to average assets | 0.7061% | 1,313 |
| Noninterest expense to average assets | 1.7179% | 4,114 |
| Loan and lease loss provision to assets | 0.0135% | 2,352 |
| Net operating income to assets | 0.8635% | 2,722 |
| Return on assets (ROA) | 0.8635% | 2,697 |
| Pretax return on assets | 0.8994% | 3,066 |
| Return on Equity (ROE) | 7.0892% | 3,289 |
| Retained earnings to average equity (ytd only) | 3.0646% | 3,422 |
| Net charge-offs to loans | 0.0324% | 1,085 |
| Credit loss provision to net charge-offs | 150.0000% | 1,085 |
| Earnings coverage of net charge-offs (x) | 101.5000% | 804 |
| Efficiency ratio | 65.2991% | 2,607 |
| Assets per employee ($millions) | 6.3551% | 2,434 |
| Cash dividends to net income (ytd only)* | 56.7708% | 1,158 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5273% | 4,525 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 27.5637% | 4,527 |
| Net loans and leases to deposits | 31.2392% | 4,518 |
| Net loans and leases to core deposits | 31.2392% | 4,546 |
| Total domestic deposits to total assets | 88.2345% | 2,488 |
| Equity capital to assets | 11.7318% | 954 |
| Core capital (leverage) ratio | 12.6535% | 925 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 33.3544% | 174 |
| Memoranda: | ||
| Average total assets | $44,472,667 | 4,574 |
| Average earning assets | $41,837,000 | 4,554 |
| Average equity | $5,416,667 | 4,480 |
| Average total loans | $12,364,000 | 4,618 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0597% | 4,599 |
| Cost of funding earning assets | 0.1240% | 3,849 |
| Net interest margin | 1.9357% | 4,559 |
| Noninterest income to average assets | 0.2609% | 3,573 |
| Noninterest expense to average assets | 1.7092% | 4,122 |
| Loan and lease loss provision to assets | 0.0180% | 2,034 |
| Net operating income to assets | 0.3418% | 4,072 |
| Return on assets (ROA) | 0.3418% | 4,038 |
| Pretax return on assets | 0.3598% | 4,098 |
| Return on Equity (ROE) | 2.7559% | 4,147 |
| Retained earnings to average equity (ytd only) | -0.5077% | 4,081 |
| Net charge-offs to loans | 0.0969% | 533 |
| Credit loss provision to net charge-offs | 66.6667% | 1,145 |
| Earnings coverage of net charge-offs (x) | 14.0000% | 1,379 |
| Efficiency ratio | 81.8966% | 988 |
| Assets per employee ($millions) | 6.3063% | 2,553 |
| Cash dividends to net income (ytd only)* | 118.4211% | 417 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5059% | 4,582 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 28.0672% | 4,506 |
| Net loans and leases to deposits | 31.9059% | 4,497 |
| Net loans and leases to core deposits | 31.9059% | 4,536 |
| Total domestic deposits to total assets | 87.9689% | 2,535 |
| Equity capital to assets | 12.0152% | 946 |
| Core capital (leverage) ratio | 12.7451% | 832 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.4465% | 201 |
| Memoranda: | ||
| Average total assets | $44,466,000 | 4,592 |
| Average earning assets | $41,948,000 | 4,575 |
| Average equity | $5,515,500 | 4,516 |
| Average total loans | $12,382,500 | 4,643 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6726% | 4,338 |
| Cost of funding earning assets | 0.1525% | 3,943 |
| Net interest margin | 2.5201% | 4,164 |
| Noninterest income to average assets | 0.2288% | 4,007 |
| Noninterest expense to average assets | 1.7673% | 4,197 |
| Loan and lease loss provision to assets | 0.0140% | 2,804 |
| Net operating income to assets | 0.6210% | 3,831 |
| Return on assets (ROA) | 0.6210% | 3,876 |
| Pretax return on assets | 0.6467% | 4,040 |
| Return on Equity (ROE) | 4.6222% | 4,080 |
| Retained earnings to average equity (ytd only) | 1.5292% | 4,113 |
| Net charge-offs to loans | -0.0159% | 3,896 |
| Credit loss provision to net charge-offs | -300.0000% | 3,608 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7885% | 1,426 |
| Assets per employee ($millions) | 6.3983% | 2,413 |
| Cash dividends to net income (ytd only)* | 66.9173% | 831 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5198% | 4,607 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 27.3466% | 4,585 |
| Net loans and leases to deposits | 31.3858% | 4,592 |
| Net loans and leases to core deposits | 31.3858% | 4,613 |
| Total domestic deposits to total assets | 87.1305% | 2,460 |
| Equity capital to assets | 12.7869% | 965 |
| Core capital (leverage) ratio | 12.9818% | 801 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.4525% | 210 |
| Memoranda: | ||
| Average total assets | $42,833,400 | 4,636 |
| Average earning assets | $37,379,200 | 4,643 |
| Average equity | $5,754,800 | 4,552 |
| Average total loans | $12,599,000 | 4,687 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7990% | 4,301 |
| Cost of funding earning assets | 0.1565% | 4,052 |
| Net interest margin | 2.6425% | 4,070 |
| Noninterest income to average assets | 0.2236% | 4,067 |
| Noninterest expense to average assets | 1.7601% | 4,246 |
| Loan and lease loss provision to assets | 0.0165% | 2,675 |
| Net operating income to assets | 0.7053% | 3,753 |
| Return on assets (ROA) | 0.7053% | 3,822 |
| Pretax return on assets | 0.7336% | 4,006 |
| Return on Equity (ROE) | 5.1835% | 4,090 |
| Retained earnings to average equity (ytd only) | 2.0826% | 4,170 |
| Net charge-offs to loans | -0.0210% | 3,987 |
| Credit loss provision to net charge-offs | -250.0000% | 3,438 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1380% | 1,588 |
| Assets per employee ($millions) | 6.2084% | 2,491 |
| Cash dividends to net income (ytd only)* | 59.8214% | 854 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4788% | 4,725 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 30.1295% | 4,586 |
| Net loans and leases to deposits | 34.8134% | 4,609 |
| Net loans and leases to core deposits | 34.8134% | 4,637 |
| Total domestic deposits to total assets | 86.5459% | 2,535 |
| Equity capital to assets | 13.3183% | 898 |
| Core capital (leverage) ratio | 13.0665% | 828 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.9790% | 255 |
| Memoranda: | ||
| Average total assets | $42,344,750 | 4,707 |
| Average earning assets | $36,631,500 | 4,723 |
| Average equity | $5,761,750 | 4,619 |
| Average total loans | $12,670,750 | 4,758 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9856% | 4,073 |
| Cost of funding earning assets | 0.1568% | 4,149 |
| Net interest margin | 2.8287% | 3,726 |
| Noninterest income to average assets | 0.2144% | 4,122 |
| Noninterest expense to average assets | 1.7868% | 4,211 |
| Loan and lease loss provision to assets | 0.0143% | 2,668 |
| Net operating income to assets | 0.7862% | 3,550 |
| Return on assets (ROA) | 0.7862% | 3,616 |
| Pretax return on assets | 0.8196% | 3,821 |
| Return on Equity (ROE) | 5.7361% | 3,972 |
| Retained earnings to average equity (ytd only) | 2.6421% | 3,958 |
| Net charge-offs to loans | -0.0320% | 4,180 |
| Credit loss provision to net charge-offs | -150.0000% | 3,133 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1818% | 1,862 |
| Assets per employee ($millions) | 6.1257% | 2,497 |
| Cash dividends to net income (ytd only)* | 53.9394% | 1,115 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4998% | 4,736 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 28.3232% | 4,696 |
| Net loans and leases to deposits | 32.7951% | 4,710 |
| Net loans and leases to core deposits | 32.7951% | 4,735 |
| Total domestic deposits to total assets | 86.3643% | 2,603 |
| Equity capital to assets | 13.4981% | 821 |
| Core capital (leverage) ratio | 12.9887% | 803 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.9399% | 230 |
| Memoranda: | ||
| Average total assets | $41,973,333 | 4,742 |
| Average earning assets | $35,705,000 | 4,760 |
| Average equity | $5,753,000 | 4,649 |
| Average total loans | $12,508,667 | 4,797 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2149% | 3,659 |
| Cost of funding earning assets | 0.1679% | 4,182 |
| Net interest margin | 3.0469% | 3,138 |
| Noninterest income to average assets | 0.2408% | 3,953 |
| Noninterest expense to average assets | 1.9171% | 3,947 |
| Loan and lease loss provision to assets | 0.0096% | 2,649 |
| Net operating income to assets | 0.7322% | 3,628 |
| Return on assets (ROA) | 0.7322% | 3,697 |
| Pretax return on assets | 0.7611% | 3,882 |
| Return on Equity (ROE) | 5.3003% | 4,026 |
| Retained earnings to average equity (ytd only) | 2.2317% | 3,963 |
| Net charge-offs to loans | -0.0316% | 4,196 |
| Credit loss provision to net charge-offs | -100.0000% | 2,828 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.3262% | 1,563 |
| Assets per employee ($millions) | 5.9930% | 2,606 |
| Cash dividends to net income (ytd only)* | 57.8947% | 939 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4642% | 4,795 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 29.6441% | 4,707 |
| Net loans and leases to deposits | 34.3773% | 4,720 |
| Net loans and leases to core deposits | 34.3773% | 4,750 |
| Total domestic deposits to total assets | 86.2316% | 2,656 |
| Equity capital to assets | 13.6493% | 752 |
| Core capital (leverage) ratio | 13.4459% | 751 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.5173% | 243 |
| Memoranda: | ||
| Average total assets | $41,520,000 | 4,768 |
| Average earning assets | $33,345,000 | 4,807 |
| Average equity | $5,735,500 | 4,667 |
| Average total loans | $12,660,000 | 4,820 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9603% | 4,663 |
| Cost of funding earning assets | 0.2036% | 4,573 |
| Net interest margin | 2.7567% | 4,314 |
| Noninterest income to average assets | 0.3478% | 3,379 |
| Noninterest expense to average assets | 1.9468% | 4,236 |
| Loan and lease loss provision to assets | 0.0150% | 4,188 |
| Net operating income to assets | 0.8583% | 2,870 |
| Return on assets (ROA) | 0.8583% | 3,006 |
| Pretax return on assets | 0.8933% | 3,383 |
| Return on Equity (ROE) | 6.1030% | 3,549 |
| Retained earnings to average equity (ytd only) | 2.9358% | 3,402 |
| Net charge-offs to loans | 0.0444% | 2,178 |
| Credit loss provision to net charge-offs | 100.0000% | 2,816 |
| Earnings coverage of net charge-offs (x) | 60.5000% | 1,069 |
| Efficiency ratio | 68.1858% | 2,214 |
| Assets per employee ($millions) | 5.1361% | 3,247 |
| Cash dividends to net income (ytd only)* | 51.8950% | 1,741 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4366% | 4,831 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 31.0789% | 4,732 |
| Net loans and leases to deposits | 36.1900% | 4,743 |
| Net loans and leases to core deposits | 36.1900% | 4,774 |
| Total domestic deposits to total assets | 85.8770% | 2,414 |
| Equity capital to assets | 13.9818% | 806 |
| Core capital (leverage) ratio | 13.2778% | 831 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.3967% | 259 |
| Memoranda: | ||
| Average total assets | $39,963,600 | 4,774 |
| Average earning assets | $36,347,400 | 4,764 |
| Average equity | $5,620,200 | 4,686 |
| Average total loans | $13,516,400 | 4,836 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0223% | 4,720 |
| Cost of funding earning assets | 0.2051% | 4,655 |
| Net interest margin | 2.8171% | 4,314 |
| Noninterest income to average assets | 0.3898% | 3,132 |
| Noninterest expense to average assets | 1.9387% | 4,271 |
| Loan and lease loss provision to assets | 0.0176% | 4,111 |
| Net operating income to assets | 0.9777% | 2,420 |
| Return on assets (ROA) | 0.9777% | 2,560 |
| Pretax return on assets | 1.0181% | 3,002 |
| Return on Equity (ROE) | 6.9420% | 3,223 |
| Retained earnings to average equity (ytd only) | 3.7692% | 3,159 |
| Net charge-offs to loans | 0.0487% | 1,916 |
| Credit loss provision to net charge-offs | 100.0000% | 2,620 |
| Earnings coverage of net charge-offs (x) | 61.6000% | 1,081 |
| Efficiency ratio | 65.1977% | 2,560 |
| Assets per employee ($millions) | 5.1061% | 3,106 |
| Cash dividends to net income (ytd only)* | 45.7045% | 1,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4083% | 4,877 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 33.4353% | 4,757 |
| Net loans and leases to deposits | 38.9772% | 4,776 |
| Net loans and leases to core deposits | 38.9772% | 4,807 |
| Total domestic deposits to total assets | 85.7818% | 2,153 |
| Equity capital to assets | 14.0444% | 847 |
| Core capital (leverage) ratio | 13.5830% | 819 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.0220% | 305 |
| Memoranda: | ||
| Average total assets | $39,682,250 | 4,802 |
| Average earning assets | $36,395,500 | 4,787 |
| Average equity | $5,589,000 | 4,711 |
| Average total loans | $13,689,000 | 4,861 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1176% | 4,780 |
| Cost of funding earning assets | 0.2049% | 4,755 |
| Net interest margin | 2.9127% | 4,286 |
| Noninterest income to average assets | 0.3105% | 3,603 |
| Noninterest expense to average assets | 1.9291% | 4,366 |
| Loan and lease loss provision to assets | 0.0153% | 4,038 |
| Net operating income to assets | 1.0027% | 2,318 |
| Return on assets (ROA) | 1.0027% | 2,442 |
| Pretax return on assets | 1.0434% | 2,892 |
| Return on Equity (ROE) | 7.1123% | 3,091 |
| Retained earnings to average equity (ytd only) | 3.8630% | 2,980 |
| Net charge-offs to loans | 0.0877% | 1,371 |
| Credit loss provision to net charge-offs | 50.0000% | 2,621 |
| Earnings coverage of net charge-offs (x) | 34.6667% | 1,342 |
| Efficiency ratio | 64.5656% | 2,736 |
| Assets per employee ($millions) | 5.8311% | 2,341 |
| Cash dividends to net income (ytd only)* | 45.6853% | 1,703 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3667% | 4,923 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 34.6146% | 4,764 |
| Net loans and leases to deposits | 40.2627% | 4,789 |
| Net loans and leases to core deposits | 40.2627% | 4,823 |
| Total domestic deposits to total assets | 85.9719% | 2,020 |
| Equity capital to assets | 13.8713% | 884 |
| Core capital (leverage) ratio | 13.4029% | 901 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.5775% | 321 |
| Memoranda: | ||
| Average total assets | $39,293,333 | 4,831 |
| Average earning assets | $36,117,667 | 4,818 |
| Average equity | $5,539,667 | 4,741 |
| Average total loans | $13,680,667 | 4,891 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0441% | 4,936 |
| Cost of funding earning assets | 0.2029% | 4,886 |
| Net interest margin | 2.8412% | 4,517 |
| Noninterest income to average assets | 0.3945% | 3,146 |
| Noninterest expense to average assets | 2.0555% | 4,299 |
| Loan and lease loss provision to assets | 0.0208% | 3,540 |
| Net operating income to assets | 0.8928% | 2,549 |
| Return on assets (ROA) | 0.8928% | 2,651 |
| Pretax return on assets | 0.9343% | 3,041 |
| Return on Equity (ROE) | 6.2791% | 3,211 |
| Retained earnings to average equity (ytd only) | 2.9935% | 3,085 |
| Net charge-offs to loans | 0.0893% | 1,160 |
| Credit loss provision to net charge-offs | 66.6667% | 1,986 |
| Earnings coverage of net charge-offs (x) | 30.6667% | 1,169 |
| Efficiency ratio | 68.2759% | 2,624 |
| Assets per employee ($millions) | 6.6087% | 1,290 |
| Cash dividends to net income (ytd only)* | 52.3256% | 1,567 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4079% | 4,943 |
| Loan loss allowance to noncurrent loans | 337.5000% | 1,381 |
| Noncurrent assets plus other real estate owned to assets | 0.0404% | 4,410 |
| Noncurrent loans to loans | 0.1209% | 4,035 |
| Net loans and leases to total assets | 33.2467% | 4,846 |
| Net loans and leases to deposits | 38.6258% | 4,858 |
| Net loans and leases to core deposits | 38.6258% | 4,896 |
| Total domestic deposits to total assets | 86.0738% | 1,973 |
| Equity capital to assets | 13.8101% | 1,123 |
| Core capital (leverage) ratio | 14.2685% | 841 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.9353% | 307 |
| Memoranda: | ||
| Average total assets | $38,531,000 | 4,875 |
| Average earning assets | $35,478,000 | 4,860 |
| Average equity | $5,478,500 | 4,787 |
| Average total loans | $13,430,500 | 4,938 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1584% | 5,010 |
| Cost of funding earning assets | 0.2056% | 4,954 |
| Net interest margin | 2.9528% | 4,570 |
| Noninterest income to average assets | 0.5138% | 2,656 |
| Noninterest expense to average assets | 2.1186% | 4,323 |
| Loan and lease loss provision to assets | 0.0158% | 3,699 |
| Net operating income to assets | 1.0593% | 2,619 |
| Return on assets (ROA) | 1.0593% | 2,712 |
| Pretax return on assets | 1.1041% | 3,148 |
| Return on Equity (ROE) | 7.5846% | 3,332 |
| Retained earnings to average equity (ytd only) | 5.0753% | 2,382 |
| Net charge-offs to loans | 0.1491% | 1,330 |
| Credit loss provision to net charge-offs | 30.0000% | 3,272 |
| Earnings coverage of net charge-offs (x) | 21.2500% | 1,895 |
| Efficiency ratio | 65.4190% | 2,852 |
| Assets per employee ($millions) | 5.3443% | 2,202 |
| Cash dividends to net income (ytd only)* | 33.0846% | 2,938 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4110% | 4,984 |
| Loan loss allowance to noncurrent loans | 509.0909% | 979 |
| Noncurrent assets plus other real estate owned to assets | 0.0294% | 4,496 |
| Noncurrent loans to loans | 0.0807% | 4,198 |
| Net loans and leases to total assets | 36.2684% | 4,833 |
| Net loans and leases to deposits | 42.5583% | 4,862 |
| Net loans and leases to core deposits | 42.5583% | 4,897 |
| Total domestic deposits to total assets | 85.2205% | 2,412 |
| Equity capital to assets | 14.6512% | 884 |
| Core capital (leverage) ratio | 14.3198% | 846 |
| Tier 1 risk-based capital ratio | 28.6229% | 530 |
| Total risk-based capital ratio | 28.9196% | 568 |
| Memoranda: | ||
| Average total assets | $37,950,400 | 4,924 |
| Average earning assets | $35,018,200 | 4,915 |
| Average equity | $5,300,200 | 4,849 |
| Average total loans | $13,412,200 | 4,994 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1249% | 5,117 |
| Cost of funding earning assets | 0.2045% | 5,032 |
| Net interest margin | 2.9203% | 4,737 |
| Noninterest income to average assets | 0.5426% | 2,499 |
| Noninterest expense to average assets | 2.1040% | 4,358 |
| Loan and lease loss provision to assets | 0.0175% | 3,562 |
| Net operating income to assets | 1.0747% | 2,665 |
| Return on assets (ROA) | 1.0747% | 2,756 |
| Pretax return on assets | 1.1202% | 3,239 |
| Return on Equity (ROE) | 7.7892% | 3,392 |
| Retained earnings to average equity (ytd only) | 5.5311% | 2,613 |
| Net charge-offs to loans | 0.0599% | 1,962 |
| Credit loss provision to net charge-offs | 83.3333% | 2,459 |
| Earnings coverage of net charge-offs (x) | 54.1650% | 1,135 |
| Efficiency ratio | 64.9028% | 2,883 |
| Assets per employee ($millions) | 5.4453% | 2,082 |
| Cash dividends to net income (ytd only)* | 28.9895% | 2,661 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5142% | 4,952 |
| Loan loss allowance to noncurrent loans | 146.8085% | 2,643 |
| Noncurrent assets plus other real estate owned to assets | 0.1233% | 4,110 |
| Noncurrent loans to loans | 0.3502% | 3,284 |
| Net loans and leases to total assets | 35.0264% | 4,968 |
| Net loans and leases to deposits | 40.9188% | 4,976 |
| Net loans and leases to core deposits | 40.9188% | 5,016 |
| Total domestic deposits to total assets | 85.5996% | 2,166 |
| Equity capital to assets | 14.2587% | 1,054 |
| Core capital (leverage) ratio | 14.3732% | 886 |
| Tier 1 risk-based capital ratio | 28.0297% | 578 |
| Total risk-based capital ratio | 28.3911% | 614 |
| Memoranda: | ||
| Average total assets | $38,085,500 | 4,998 |
| Average earning assets | $35,200,250 | 4,982 |
| Average equity | $5,255,000 | 4,920 |
| Average total loans | $13,359,250 | 5,072 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0841% | 5,191 |
| Cost of funding earning assets | 0.2037% | 5,065 |
| Net interest margin | 2.8803% | 4,843 |
| Noninterest income to average assets | 0.4622% | 2,899 |
| Noninterest expense to average assets | 2.0906% | 4,433 |
| Loan and lease loss provision to assets | 0.0158% | 3,465 |
| Net operating income to assets | 0.9875% | 2,965 |
| Return on assets (ROA) | 0.9875% | 3,038 |
| Pretax return on assets | 1.0295% | 3,451 |
| Return on Equity (ROE) | 7.2377% | 3,587 |
| Retained earnings to average equity (ytd only) | 5.5053% | 2,517 |
| Net charge-offs to loans | 0.1499% | 1,042 |
| Credit loss provision to net charge-offs | 30.0000% | 2,599 |
| Earnings coverage of net charge-offs (x) | 19.9000% | 1,798 |
| Efficiency ratio | 66.6667% | 2,718 |
| Assets per employee ($millions) | 5.3346% | 2,111 |
| Cash dividends to net income (ytd only)* | 23.9362% | 2,879 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4726% | 5,048 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 35.5284% | 4,991 |
| Net loans and leases to deposits | 41.5191% | 5,008 |
| Net loans and leases to core deposits | 41.5191% | 5,052 |
| Total domestic deposits to total assets | 85.5712% | 2,233 |
| Equity capital to assets | 14.3110% | 1,007 |
| Core capital (leverage) ratio | 13.8167% | 1,017 |
| Tier 1 risk-based capital ratio | 28.1725% | 558 |
| Total risk-based capital ratio | 28.5089% | 592 |
| Memoranda: | ||
| Average total assets | $38,075,000 | 5,036 |
| Average earning assets | $35,343,000 | 5,018 |
| Average equity | $5,195,000 | 4,961 |
| Average total loans | $13,339,000 | 5,121 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9166% | 5,294 |
| Cost of funding earning assets | 0.2019% | 5,115 |
| Net interest margin | 2.7147% | 5,051 |
| Noninterest income to average assets | 0.4058% | 3,145 |
| Noninterest expense to average assets | 2.2164% | 4,220 |
| Loan and lease loss provision to assets | 0.0208% | 3,169 |
| Net operating income to assets | 0.6868% | 3,982 |
| Return on assets (ROA) | 0.6868% | 4,021 |
| Pretax return on assets | 0.6868% | 4,329 |
| Return on Equity (ROE) | 5.1557% | 4,280 |
| Retained earnings to average equity (ytd only) | 3.3590% | 3,575 |
| Net charge-offs to loans | 0.0300% | 1,855 |
| Credit loss provision to net charge-offs | 200.0000% | 1,050 |
| Earnings coverage of net charge-offs (x) | 68.0000% | 857 |
| Efficiency ratio | 75.8007% | 1,518 |
| Assets per employee ($millions) | 5.6146% | 1,872 |
| Cash dividends to net income (ytd only)* | 34.8485% | 2,083 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5486% | 5,022 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2443% | 3,640 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 32.7515% | 5,099 |
| Net loans and leases to deposits | 37.7700% | 5,117 |
| Net loans and leases to core deposits | 37.7700% | 5,147 |
| Total domestic deposits to total assets | 86.7131% | 1,953 |
| Equity capital to assets | 13.1800% | 1,357 |
| Core capital (leverage) ratio | 13.9995% | 957 |
| Tier 1 risk-based capital ratio | 26.8207% | 629 |
| Total risk-based capital ratio | 27.1884% | 675 |
| Memoranda: | ||
| Average total assets | $38,441,500 | 5,082 |
| Average earning assets | $35,657,500 | 5,067 |
| Average equity | $5,120,500 | 5,011 |
| Average total loans | $13,343,500 | 5,180 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9895% | 5,237 |
| Cost of funding earning assets | 0.2199% | 4,921 |
| Net interest margin | 2.7696% | 5,050 |
| Noninterest income to average assets | 0.4465% | 3,127 |
| Noninterest expense to average assets | 2.1828% | 4,376 |
| Loan and lease loss provision to assets | 0.0157% | 3,837 |
| Net operating income to assets | 0.7468% | 3,978 |
| Return on assets (ROA) | 0.7468% | 3,980 |
| Pretax return on assets | 0.7807% | 4,225 |
| Return on Equity (ROE) | 5.8038% | 4,233 |
| Retained earnings to average equity (ytd only) | 3.9977% | 3,372 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2691% | 1,722 |
| Assets per employee ($millions) | 5.3687% | 2,092 |
| Cash dividends to net income (ytd only)* | 31.1189% | 2,982 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5093% | 5,110 |
| Loan loss allowance to noncurrent loans | 92.1053% | 3,546 |
| Noncurrent assets plus other real estate owned to assets | 0.2022% | 3,819 |
| Noncurrent loans to loans | 0.5530% | 2,614 |
| Net loans and leases to total assets | 36.3854% | 5,059 |
| Net loans and leases to deposits | 42.0894% | 5,078 |
| Net loans and leases to core deposits | 42.0894% | 5,123 |
| Total domestic deposits to total assets | 86.4479% | 2,037 |
| Equity capital to assets | 13.4669% | 1,156 |
| Core capital (leverage) ratio | 13.4082% | 1,103 |
| Tier 1 risk-based capital ratio | 26.3593% | 651 |
| Total risk-based capital ratio | 26.7187% | 694 |
| Memoranda: | ||
| Average total assets | $38,298,600 | 5,125 |
| Average earning assets | $35,022,800 | 5,113 |
| Average equity | $4,927,800 | 5,058 |
| Average total loans | $13,371,200 | 5,225 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9510% | 5,304 |
| Cost of funding earning assets | 0.2173% | 4,956 |
| Net interest margin | 2.7337% | 5,142 |
| Noninterest income to average assets | 0.4574% | 3,120 |
| Noninterest expense to average assets | 2.1761% | 4,371 |
| Loan and lease loss provision to assets | 0.0139% | 3,724 |
| Net operating income to assets | 0.7207% | 4,161 |
| Return on assets (ROA) | 0.7207% | 4,172 |
| Pretax return on assets | 0.7519% | 4,422 |
| Return on Equity (ROE) | 5.6662% | 4,372 |
| Retained earnings to average equity (ytd only) | 3.8410% | 3,858 |
| Net charge-offs to loans | -0.0100% | 4,401 |
| Credit loss provision to net charge-offs | -400.0000% | 4,453 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.9694% | 1,602 |
| Assets per employee ($millions) | 4.2194% | 3,545 |
| Cash dividends to net income (ytd only)* | 32.2107% | 2,437 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5156% | 5,172 |
| Loan loss allowance to noncurrent loans | 69.0000% | 4,012 |
| Noncurrent assets plus other real estate owned to assets | 0.5056% | 2,688 |
| Noncurrent loans to loans | 0.7472% | 2,222 |
| Net loans and leases to total assets | 35.0599% | 5,169 |
| Net loans and leases to deposits | 40.3491% | 5,197 |
| Net loans and leases to core deposits | 40.3491% | 5,234 |
| Total domestic deposits to total assets | 86.8914% | 1,779 |
| Equity capital to assets | 13.0138% | 1,331 |
| Core capital (leverage) ratio | 13.6855% | 1,036 |
| Tier 1 risk-based capital ratio | 25.9718% | 682 |
| Total risk-based capital ratio | 26.3247% | 730 |
| Memoranda: | ||
| Average total assets | $38,478,000 | 5,188 |
| Average earning assets | $34,970,000 | 5,174 |
| Average equity | $4,894,500 | 5,125 |
| Average total loans | $13,278,000 | 5,293 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9010% | 5,371 |
| Cost of funding earning assets | 0.2153% | 4,944 |
| Net interest margin | 2.6857% | 5,228 |
| Noninterest income to average assets | 0.4192% | 3,357 |
| Noninterest expense to average assets | 2.1374% | 4,523 |
| Loan and lease loss provision to assets | 0.0155% | 3,570 |
| Net operating income to assets | 0.6935% | 4,211 |
| Return on assets (ROA) | 0.6935% | 4,215 |
| Pretax return on assets | 0.7194% | 4,461 |
| Return on Equity (ROE) | 5.4933% | 4,413 |
| Retained earnings to average equity (ytd only) | 3.6895% | 3,751 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4144% | 1,648 |
| Assets per employee ($millions) | 4.1041% | 3,720 |
| Cash dividends to net income (ytd only)* | 32.8358% | 2,448 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5155% | 5,240 |
| Loan loss allowance to noncurrent loans | 60.7143% | 4,202 |
| Noncurrent assets plus other real estate owned to assets | 0.6416% | 2,303 |
| Noncurrent loans to loans | 0.8490% | 2,023 |
| Net loans and leases to total assets | 35.5308% | 5,197 |
| Net loans and leases to deposits | 41.0330% | 5,218 |
| Net loans and leases to core deposits | 41.0330% | 5,263 |
| Total domestic deposits to total assets | 86.5907% | 2,019 |
| Equity capital to assets | 13.3119% | 1,181 |
| Core capital (leverage) ratio | 13.1474% | 1,170 |
| Tier 1 risk-based capital ratio | 26.2907% | 652 |
| Total risk-based capital ratio | 26.6464% | 692 |
| Memoranda: | ||
| Average total assets | $38,645,670 | 5,244 |
| Average earning assets | $35,297,670 | 5,229 |
| Average equity | $4,878,670 | 5,180 |
| Average total loans | $13,243,000 | 5,353 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7956% | 5,458 |
| Cost of funding earning assets | 0.2013% | 5,007 |
| Net interest margin | 2.5943% | 5,329 |
| Noninterest income to average assets | 0.4658% | 3,024 |
| Noninterest expense to average assets | 2.1772% | 4,470 |
| Loan and lease loss provision to assets | 0.0203% | 3,270 |
| Net operating income to assets | 0.5975% | 4,433 |
| Return on assets (ROA) | 0.5975% | 4,441 |
| Pretax return on assets | 0.6177% | 4,647 |
| Return on Equity (ROE) | 4.8565% | 4,538 |
| Retained earnings to average equity (ytd only) | 3.0456% | 3,986 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.3381% | 1,419 |
| Assets per employee ($millions) | 4.4448% | 3,253 |
| Cash dividends to net income (ytd only)* | 37.2881% | 1,929 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4984% | 5,333 |
| Loan loss allowance to noncurrent loans | 57.3913% | 4,302 |
| Noncurrent assets plus other real estate owned to assets | 0.6000% | 2,517 |
| Noncurrent loans to loans | 0.8684% | 2,084 |
| Net loans and leases to total assets | 32.9400% | 5,294 |
| Net loans and leases to deposits | 37.5317% | 5,329 |
| Net loans and leases to core deposits | 37.5317% | 5,362 |
| Total domestic deposits to total assets | 87.7659% | 1,750 |
| Equity capital to assets | 12.1416% | 1,691 |
| Core capital (leverage) ratio | 13.1982% | 1,104 |
| Tier 1 risk-based capital ratio | 25.0478% | 749 |
| Total risk-based capital ratio | 25.3802% | 803 |
| Memoranda: | ||
| Average total assets | $39,500,000 | 5,281 |
| Average earning assets | $35,771,000 | 5,277 |
| Average equity | $4,859,500 | 5,236 |
| Average total loans | $13,268,500 | 5,417 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8070% | 5,458 |
| Cost of funding earning assets | 0.2098% | 4,867 |
| Net interest margin | 2.5972% | 5,352 |
| Noninterest income to average assets | 0.4290% | 3,445 |
| Noninterest expense to average assets | 1.9669% | 5,016 |
| Loan and lease loss provision to assets | 0.0201% | 3,899 |
| Net operating income to assets | 0.8003% | 3,155 |
| Return on assets (ROA) | 0.8003% | 3,202 |
| Pretax return on assets | 0.8329% | 4,148 |
| Return on Equity (ROE) | 6.6517% | 3,450 |
| Retained earnings to average equity (ytd only) | 4.7959% | 2,262 |
| Net charge-offs to loans | 0.1335% | 1,720 |
| Credit loss provision to net charge-offs | 44.4444% | 3,394 |
| Earnings coverage of net charge-offs (x) | 18.8889% | 2,054 |
| Efficiency ratio | 69.7509% | 2,602 |
| Assets per employee ($millions) | 4.3330% | 3,438 |
| Cash dividends to net income (ytd only)* | 27.8997% | 3,381 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4814% | 5,406 |
| Loan loss allowance to noncurrent loans | 84.2105% | 3,836 |
| Noncurrent assets plus other real estate owned to assets | 0.5154% | 2,839 |
| Noncurrent loans to loans | 0.5717% | 2,789 |
| Net loans and leases to total assets | 33.9257% | 5,345 |
| Net loans and leases to deposits | 38.8011% | 5,368 |
| Net loans and leases to core deposits | 38.8011% | 5,407 |
| Total domestic deposits to total assets | 87.4349% | 1,797 |
| Equity capital to assets | 12.4676% | 1,537 |
| Core capital (leverage) ratio | 12.7591% | 1,234 |
| Tier 1 risk-based capital ratio | 25.1773% | 712 |
| Total risk-based capital ratio | 25.5037% | 780 |
| Memoranda: | ||
| Average total assets | $39,859,600 | 5,330 |
| Average earning assets | $36,693,600 | 5,324 |
| Average equity | $4,795,800 | 5,306 |
| Average total loans | $13,481,200 | 5,479 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7882% | 5,525 |
| Cost of funding earning assets | 0.2097% | 4,884 |
| Net interest margin | 2.5785% | 5,421 |
| Noninterest income to average assets | 0.4325% | 3,455 |
| Noninterest expense to average assets | 1.8864% | 5,157 |
| Loan and lease loss provision to assets | 0.0166% | 3,811 |
| Net operating income to assets | 0.8650% | 3,202 |
| Return on assets (ROA) | 0.8650% | 3,251 |
| Pretax return on assets | 0.9016% | 4,039 |
| Return on Equity (ROE) | 7.2534% | 3,521 |
| Retained earnings to average equity (ytd only) | 5.3843% | 2,619 |
| Net charge-offs to loans | 0.1971% | 1,080 |
| Credit loss provision to net charge-offs | 25.0000% | 3,118 |
| Earnings coverage of net charge-offs (x) | 13.7979% | 2,335 |
| Efficiency ratio | 67.2598% | 3,006 |
| Assets per employee ($millions) | 4.4341% | 3,267 |
| Cash dividends to net income (ytd only)* | 25.7688% | 2,915 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4313% | 5,536 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3132% | 3,810 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 34.1319% | 5,412 |
| Net loans and leases to deposits | 38.9684% | 5,442 |
| Net loans and leases to core deposits | 38.9684% | 5,481 |
| Total domestic deposits to total assets | 87.5886% | 1,587 |
| Equity capital to assets | 12.2936% | 1,780 |
| Core capital (leverage) ratio | 12.9554% | 1,225 |
| Tier 1 risk-based capital ratio | 24.2598% | 823 |
| Total risk-based capital ratio | 24.5519% | 904 |
| Memoranda: | ||
| Average total assets | $40,075,250 | 5,387 |
| Average earning assets | $36,868,500 | 5,378 |
| Average equity | $4,779,250 | 5,368 |
| Average total loans | $13,528,000 | 5,538 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7657% | 5,573 |
| Cost of funding earning assets | 0.2053% | 4,924 |
| Net interest margin | 2.5605% | 5,463 |
| Noninterest income to average assets | 0.4236% | 3,537 |
| Noninterest expense to average assets | 1.8390% | 5,272 |
| Loan and lease loss provision to assets | 0.0150% | 3,655 |
| Net operating income to assets | 0.8921% | 2,953 |
| Return on assets (ROA) | 0.8921% | 3,011 |
| Pretax return on assets | 0.9319% | 3,821 |
| Return on Equity (ROE) | 7.5575% | 3,264 |
| Retained earnings to average equity (ytd only) | 5.6998% | 2,293 |
| Net charge-offs to loans | 0.2671% | 760 |
| Credit loss provision to net charge-offs | 16.6667% | 2,808 |
| Earnings coverage of net charge-offs (x) | 10.5556% | 2,337 |
| Efficiency ratio | 66.0107% | 3,350 |
| Assets per employee ($millions) | 4.8165% | 2,623 |
| Cash dividends to net income (ytd only)* | 24.5810% | 2,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4399% | 5,576 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3244% | 3,825 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 34.6543% | 5,424 |
| Net loans and leases to deposits | 39.7151% | 5,464 |
| Net loans and leases to core deposits | 39.7151% | 5,509 |
| Total domestic deposits to total assets | 87.2573% | 1,826 |
| Equity capital to assets | 12.6025% | 1,571 |
| Core capital (leverage) ratio | 12.0885% | 1,584 |
| Tier 1 risk-based capital ratio | 24.7016% | 787 |
| Total risk-based capital ratio | 25.0026% | 865 |
| Memoranda: | ||
| Average total assets | $40,131,330 | 5,432 |
| Average earning assets | $37,024,330 | 5,418 |
| Average equity | $4,737,000 | 5,413 |
| Average total loans | $13,477,330 | 5,587 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7447% | 5,625 |
| Cost of funding earning assets | 0.2029% | 4,954 |
| Net interest margin | 2.5418% | 5,509 |
| Noninterest income to average assets | 0.4593% | 3,259 |
| Noninterest expense to average assets | 1.9838% | 5,088 |
| Loan and lease loss provision to assets | 0.0195% | 3,320 |
| Net operating income to assets | 0.7427% | 3,510 |
| Return on assets (ROA) | 0.7427% | 3,562 |
| Pretax return on assets | 0.7818% | 4,178 |
| Return on Equity (ROE) | 6.4992% | 3,663 |
| Retained earnings to average equity (ytd only) | 4.6179% | 3,109 |
| Net charge-offs to loans | 0.4145% | 443 |
| Credit loss provision to net charge-offs | 14.2857% | 2,201 |
| Earnings coverage of net charge-offs (x) | 5.8571% | 2,252 |
| Efficiency ratio | 71.2281% | 2,698 |
| Assets per employee ($millions) | 5.2004% | 2,186 |
| Cash dividends to net income (ytd only)* | 28.9474% | 2,338 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4540% | 5,642 |
| Loan loss allowance to noncurrent loans | 762.5000% | 734 |
| Noncurrent assets plus other real estate owned to assets | 0.3197% | 3,918 |
| Noncurrent loans to loans | 0.0595% | 4,961 |
| Net loans and leases to total assets | 32.1491% | 5,536 |
| Net loans and leases to deposits | 36.3392% | 5,574 |
| Net loans and leases to core deposits | 36.3392% | 5,614 |
| Total domestic deposits to total assets | 88.4696% | 1,443 |
| Equity capital to assets | 11.3670% | 2,290 |
| Core capital (leverage) ratio | 11.8968% | 1,694 |
| Tier 1 risk-based capital ratio | 23.4301% | 926 |
| Total risk-based capital ratio | 23.7303% | 1,015 |
| Memoranda: | ||
| Average total assets | $40,931,000 | 5,486 |
| Average earning assets | $37,453,500 | 5,473 |
| Average equity | $4,677,500 | 5,477 |
| Average total loans | $13,510,000 | 5,646 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6265% | 5,718 |
| Cost of funding earning assets | 0.2191% | 4,840 |
| Net interest margin | 2.4075% | 5,642 |
| Noninterest income to average assets | 0.4207% | 3,738 |
| Noninterest expense to average assets | 2.0486% | 5,097 |
| Loan and lease loss provision to assets | 0.0143% | 4,092 |
| Net operating income to assets | 0.5737% | 4,332 |
| Return on assets (ROA) | 0.5737% | 4,434 |
| Pretax return on assets | 0.5904% | 4,816 |
| Return on Equity (ROE) | 5.1262% | 4,362 |
| Retained earnings to average equity (ytd only) | 3.2253% | 3,620 |
| Net charge-offs to loans | 0.0304% | 3,411 |
| Credit loss provision to net charge-offs | 150.0000% | 1,823 |
| Earnings coverage of net charge-offs (x) | 63.2500% | 857 |
| Efficiency ratio | 77.2072% | 1,813 |
| Assets per employee ($millions) | 4.4732% | 3,157 |
| Cash dividends to net income (ytd only)* | 37.0833% | 3,010 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5448% | 5,608 |
| Loan loss allowance to noncurrent loans | 284.6154% | 1,700 |
| Noncurrent assets plus other real estate owned to assets | 0.3751% | 3,776 |
| Noncurrent loans to loans | 0.1914% | 4,476 |
| Net loans and leases to total assets | 33.5577% | 5,557 |
| Net loans and leases to deposits | 37.9708% | 5,603 |
| Net loans and leases to core deposits | 37.9708% | 5,637 |
| Total domestic deposits to total assets | 88.3778% | 1,452 |
| Equity capital to assets | 11.4906% | 2,178 |
| Core capital (leverage) ratio | 10.8948% | 2,442 |
| Tier 1 risk-based capital ratio | 23.2740% | 941 |
| Total risk-based capital ratio | 23.6400% | 1,011 |
| Memoranda: | ||
| Average total assets | $41,833,400 | 5,511 |
| Average earning assets | $38,796,200 | 5,493 |
| Average equity | $4,681,800 | 5,528 |
| Average total loans | $13,153,600 | 5,708 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5818% | 5,798 |
| Cost of funding earning assets | 0.2146% | 4,927 |
| Net interest margin | 2.3672% | 5,737 |
| Noninterest income to average assets | 0.4199% | 3,774 |
| Noninterest expense to average assets | 2.0429% | 5,121 |
| Loan and lease loss provision to assets | 0.0158% | 3,928 |
| Net operating income to assets | 0.5399% | 4,537 |
| Return on assets (ROA) | 0.5399% | 4,643 |
| Pretax return on assets | 0.5557% | 4,986 |
| Return on Equity (ROE) | 4.8552% | 4,576 |
| Retained earnings to average equity (ytd only) | 2.9529% | 4,137 |
| Net charge-offs to loans | 0.0102% | 3,574 |
| Credit loss provision to net charge-offs | 500.0000% | 698 |
| Earnings coverage of net charge-offs (x) | 181.4511% | 399 |
| Efficiency ratio | 78.1401% | 1,674 |
| Assets per employee ($millions) | 5.1407% | 2,204 |
| Cash dividends to net income (ytd only)* | 39.1815% | 2,389 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5648% | 5,653 |
| Loan loss allowance to noncurrent loans | 447.0588% | 1,166 |
| Noncurrent assets plus other real estate owned to assets | 0.3069% | 4,180 |
| Noncurrent loans to loans | 0.1263% | 4,836 |
| Net loans and leases to total assets | 28.9197% | 5,733 |
| Net loans and leases to deposits | 32.2947% | 5,781 |
| Net loans and leases to core deposits | 32.2947% | 5,800 |
| Total domestic deposits to total assets | 89.5496% | 650 |
| Equity capital to assets | 10.2754% | 3,831 |
| Core capital (leverage) ratio | 10.4686% | 3,029 |
| Tier 1 risk-based capital ratio | 21.9139% | 1,151 |
| Total risk-based capital ratio | 22.2713% | 1,250 |
| Memoranda: | ||
| Average total assets | $42,227,000 | 5,559 |
| Average earning assets | $39,144,500 | 5,539 |
| Average equity | $4,695,750 | 5,584 |
| Average total loans | $13,046,000 | 5,771 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6028% | 5,875 |
| Cost of funding earning assets | 0.2182% | 4,957 |
| Net interest margin | 2.3846% | 5,820 |
| Noninterest income to average assets | 0.4354% | 3,634 |
| Noninterest expense to average assets | 2.1135% | 5,028 |
| Loan and lease loss provision to assets | 0.0147% | 3,812 |
| Net operating income to assets | 0.5382% | 4,529 |
| Return on assets (ROA) | 0.5382% | 4,638 |
| Pretax return on assets | 0.5528% | 5,015 |
| Return on Equity (ROE) | 4.7045% | 4,643 |
| Retained earnings to average equity (ytd only) | 2.7800% | 4,129 |
| Net charge-offs to loans | -0.0310% | 5,141 |
| Credit loss provision to net charge-offs | -150.0000% | 4,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.8321% | 1,668 |
| Assets per employee ($millions) | 4.8283% | 2,520 |
| Cash dividends to net income (ytd only)* | 40.9091% | 2,373 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6098% | 5,669 |
| Loan loss allowance to noncurrent loans | 308.0000% | 1,597 |
| Noncurrent assets plus other real estate owned to assets | 0.3452% | 4,106 |
| Noncurrent loans to loans | 0.1980% | 4,648 |
| Net loans and leases to total assets | 28.8828% | 5,803 |
| Net loans and leases to deposits | 32.5172% | 5,843 |
| Net loans and leases to core deposits | 32.5172% | 5,865 |
| Total domestic deposits to total assets | 88.8229% | 1,000 |
| Equity capital to assets | 10.9930% | 3,066 |
| Core capital (leverage) ratio | 10.9775% | 2,454 |
| Tier 1 risk-based capital ratio | 23.1266% | 1,000 |
| Total risk-based capital ratio | 23.5120% | 1,094 |
| Memoranda: | ||
| Average total assets | $40,880,670 | 5,643 |
| Average earning assets | $38,496,670 | 5,616 |
| Average equity | $4,676,330 | 5,649 |
| Average total loans | $12,909,330 | 5,842 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6601% | 5,919 |
| Cost of funding earning assets | 0.2243% | 4,955 |
| Net interest margin | 2.4358% | 5,861 |
| Noninterest income to average assets | 0.4546% | 3,452 |
| Noninterest expense to average assets | 2.2125% | 4,876 |
| Loan and lease loss provision to assets | 0.0101% | 3,560 |
| Net operating income to assets | 0.5152% | 4,561 |
| Return on assets (ROA) | 0.5152% | 4,670 |
| Pretax return on assets | 0.5354% | 4,995 |
| Return on Equity (ROE) | 4.4099% | 4,732 |
| Retained earnings to average equity (ytd only) | 2.5076% | 4,251 |
| Net charge-offs to loans | -0.0613% | 5,431 |
| Credit loss provision to net charge-offs | -50.0000% | 4,151 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.2198% | 1,581 |
| Assets per employee ($millions) | 4.4600% | 3,144 |
| Cash dividends to net income (ytd only)* | 43.1373% | 1,980 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5637% | 5,803 |
| Loan loss allowance to noncurrent loans | 340.9091% | 1,439 |
| Noncurrent assets plus other real estate owned to assets | 0.3662% | 4,101 |
| Noncurrent loans to loans | 0.1654% | 4,833 |
| Net loans and leases to total assets | 32.9596% | 5,752 |
| Net loans and leases to deposits | 37.3750% | 5,798 |
| Net loans and leases to core deposits | 37.3750% | 5,833 |
| Total domestic deposits to total assets | 88.1863% | 1,538 |
| Equity capital to assets | 11.6343% | 2,305 |
| Core capital (leverage) ratio | 11.4783% | 1,989 |
| Tier 1 risk-based capital ratio | 22.8678% | 1,028 |
| Total risk-based capital ratio | 23.2419% | 1,137 |
| Memoranda: | ||
| Average total assets | $39,593,500 | 5,723 |
| Average earning assets | $37,441,500 | 5,695 |
| Average equity | $4,626,000 | 5,700 |
| Average total loans | $13,050,000 | 5,898 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6119% | 5,959 |
| Cost of funding earning assets | 0.2598% | 4,691 |
| Net interest margin | 2.3521% | 5,920 |
| Noninterest income to average assets | 0.4927% | 3,376 |
| Noninterest expense to average assets | 2.1282% | 5,194 |
| Loan and lease loss provision to assets | 0.0300% | 3,770 |
| Net operating income to assets | 0.4702% | 4,811 |
| Return on assets (ROA) | 0.4702% | 4,892 |
| Pretax return on assets | 0.4852% | 5,143 |
| Return on Equity (ROE) | 4.1353% | 4,883 |
| Retained earnings to average equity (ytd only) | 2.1776% | 4,480 |
| Net charge-offs to loans | 0.0559% | 3,099 |
| Credit loss provision to net charge-offs | 171.4286% | 1,577 |
| Earnings coverage of net charge-offs (x) | 29.4286% | 1,472 |
| Efficiency ratio | 80.5109% | 1,609 |
| Assets per employee ($millions) | 4.3386% | 3,321 |
| Cash dividends to net income (ytd only)* | 47.3404% | 2,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5627% | 5,852 |
| Loan loss allowance to noncurrent loans | 160.0000% | 2,678 |
| Noncurrent assets plus other real estate owned to assets | 0.4405% | 3,852 |
| Noncurrent loans to loans | 0.3517% | 4,209 |
| Net loans and leases to total assets | 32.5838% | 5,821 |
| Net loans and leases to deposits | 36.9844% | 5,865 |
| Net loans and leases to core deposits | 36.9844% | 5,903 |
| Total domestic deposits to total assets | 88.1015% | 1,575 |
| Equity capital to assets | 11.7346% | 2,163 |
| Core capital (leverage) ratio | 11.3651% | 2,073 |
| Tier 1 risk-based capital ratio | 23.3842% | 966 |
| Total risk-based capital ratio | 23.7538% | 1,060 |
| Memoranda: | ||
| Average total assets | $39,986,400 | 5,768 |
| Average earning assets | $36,563,800 | 5,755 |
| Average equity | $4,546,200 | 5,751 |
| Average total loans | $12,531,600 | 5,961 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5732% | 6,057 |
| Cost of funding earning assets | 0.2624% | 4,754 |
| Net interest margin | 2.3108% | 6,027 |
| Noninterest income to average assets | 0.5039% | 3,337 |
| Noninterest expense to average assets | 2.1215% | 5,234 |
| Loan and lease loss provision to assets | 0.0298% | 3,640 |
| Net operating income to assets | 0.4409% | 5,005 |
| Return on assets (ROA) | 0.4409% | 5,095 |
| Pretax return on assets | 0.4541% | 5,340 |
| Return on Equity (ROE) | 3.9083% | 5,058 |
| Retained earnings to average equity (ytd only) | 1.9395% | 4,913 |
| Net charge-offs to loans | 0.0535% | 2,839 |
| Credit loss provision to net charge-offs | 180.0000% | 1,465 |
| Earnings coverage of net charge-offs (x) | 29.1844% | 1,529 |
| Efficiency ratio | 81.4249% | 1,476 |
| Assets per employee ($millions) | 4.1064% | 3,690 |
| Cash dividends to net income (ytd only)* | 50.3750% | 1,849 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5478% | 5,971 |
| Loan loss allowance to noncurrent loans | 300.0000% | 1,624 |
| Noncurrent assets plus other real estate owned to assets | 0.5412% | 3,680 |
| Noncurrent loans to loans | 0.1826% | 4,914 |
| Net loans and leases to total assets | 35.3699% | 5,801 |
| Net loans and leases to deposits | 40.4969% | 5,848 |
| Net loans and leases to core deposits | 40.4969% | 5,904 |
| Total domestic deposits to total assets | 87.3397% | 1,875 |
| Equity capital to assets | 12.4493% | 1,771 |
| Core capital (leverage) ratio | 11.4767% | 2,056 |
| Tier 1 risk-based capital ratio | 23.2644% | 1,024 |
| Total risk-based capital ratio | 23.6347% | 1,119 |
| Memoranda: | ||
| Average total assets | $40,221,250 | 5,835 |
| Average earning assets | $36,581,500 | 5,833 |
| Average equity | $4,537,250 | 5,831 |
| Average total loans | $12,465,750 | 6,042 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4925% | 6,167 |
| Cost of funding earning assets | 0.2590% | 4,847 |
| Net interest margin | 2.2336% | 6,131 |
| Noninterest income to average assets | 0.4648% | 3,599 |
| Noninterest expense to average assets | 2.0722% | 5,390 |
| Loan and lease loss provision to assets | 0.0290% | 3,548 |
| Net operating income to assets | 0.3583% | 5,263 |
| Return on assets (ROA) | 0.3583% | 5,381 |
| Pretax return on assets | 0.3680% | 5,546 |
| Return on Equity (ROE) | 3.2772% | 5,317 |
| Retained earnings to average equity (ytd only) | 1.3286% | 5,017 |
| Net charge-offs to loans | 0.0490% | 2,727 |
| Credit loss provision to net charge-offs | 200.0000% | 1,223 |
| Earnings coverage of net charge-offs (x) | 27.3333% | 1,453 |
| Efficiency ratio | 83.9216% | 1,273 |
| Assets per employee ($millions) | 4.3079% | 3,290 |
| Cash dividends to net income (ytd only)* | 59.4595% | 1,550 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5511% | 6,044 |
| Loan loss allowance to noncurrent loans | 82.3529% | 4,143 |
| Noncurrent assets plus other real estate owned to assets | 0.7712% | 3,078 |
| Noncurrent loans to loans | 0.6692% | 3,474 |
| Net loans and leases to total assets | 32.5811% | 5,943 |
| Net loans and leases to deposits | 36.9422% | 6,003 |
| Net loans and leases to core deposits | 36.9422% | 6,048 |
| Total domestic deposits to total assets | 88.1948% | 1,552 |
| Equity capital to assets | 11.6195% | 2,318 |
| Core capital (leverage) ratio | 11.1500% | 2,290 |
| Tier 1 risk-based capital ratio | 23.3345% | 1,029 |
| Total risk-based capital ratio | 23.6986% | 1,125 |
| Memoranda: | ||
| Average total assets | $41,309,000 | 5,875 |
| Average earning assets | $37,070,670 | 5,884 |
| Average equity | $4,516,000 | 5,892 |
| Average total loans | $12,239,670 | 6,113 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4276% | 6,251 |
| Cost of funding earning assets | 0.2616% | 4,887 |
| Net interest margin | 2.1660% | 6,224 |
| Noninterest income to average assets | 0.4415% | 3,684 |
| Noninterest expense to average assets | 2.0480% | 5,490 |
| Loan and lease loss provision to assets | 0.0282% | 3,312 |
| Net operating income to assets | 0.3006% | 5,414 |
| Return on assets (ROA) | 0.3006% | 5,515 |
| Pretax return on assets | 0.3100% | 5,627 |
| Return on Equity (ROE) | 2.8309% | 5,440 |
| Retained earnings to average equity (ytd only) | 0.7962% | 5,137 |
| Net charge-offs to loans | 0.0999% | 1,727 |
| Credit loss provision to net charge-offs | 100.0000% | 1,606 |
| Earnings coverage of net charge-offs (x) | 12.0000% | 1,823 |
| Efficiency ratio | 85.8268% | 1,195 |
| Assets per employee ($millions) | 4.2365% | 3,492 |
| Cash dividends to net income (ytd only)* | 71.8750% | 1,134 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5694% | 6,095 |
| Loan loss allowance to noncurrent loans | 49.6350% | 5,034 |
| Noncurrent assets plus other real estate owned to assets | 0.8285% | 3,021 |
| Noncurrent loans to loans | 1.1472% | 2,471 |
| Net loans and leases to total assets | 28.0279% | 6,133 |
| Net loans and leases to deposits | 31.4610% | 6,173 |
| Net loans and leases to core deposits | 31.4610% | 6,195 |
| Total domestic deposits to total assets | 89.0877% | 1,210 |
| Equity capital to assets | 10.7447% | 3,269 |
| Core capital (leverage) ratio | 11.2758% | 2,173 |
| Tier 1 risk-based capital ratio | 22.4688% | 1,173 |
| Total risk-based capital ratio | 22.8110% | 1,280 |
| Memoranda: | ||
| Average total assets | $42,578,000 | 5,903 |
| Average earning assets | $38,227,500 | 5,914 |
| Average equity | $4,521,500 | 5,946 |
| Average total loans | $12,008,500 | 6,175 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5523% | 6,314 |
| Cost of funding earning assets | 0.3143% | 4,639 |
| Net interest margin | 2.2380% | 6,295 |
| Noninterest income to average assets | 0.4640% | 3,753 |
| Noninterest expense to average assets | 2.0975% | 5,576 |
| Loan and lease loss provision to assets | 0.0488% | 3,592 |
| Net operating income to assets | 0.3174% | 5,475 |
| Return on assets (ROA) | 0.3174% | 5,546 |
| Pretax return on assets | 0.3345% | 5,635 |
| Return on Equity (ROE) | 2.9059% | 5,511 |
| Retained earnings to average equity (ytd only) | 0.9165% | 5,373 |
| Net charge-offs to loans | 0.0639% | 3,576 |
| Credit loss provision to net charge-offs | 250.0000% | 1,016 |
| Earnings coverage of net charge-offs (x) | 19.6250% | 1,772 |
| Efficiency ratio | 84.5472% | 1,337 |
| Assets per employee ($millions) | 4.2791% | 3,402 |
| Cash dividends to net income (ytd only)* | 68.4615% | 1,365 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5631% | 6,192 |
| Loan loss allowance to noncurrent loans | 83.9506% | 4,136 |
| Noncurrent assets plus other real estate owned to assets | 0.5679% | 3,901 |
| Noncurrent loans to loans | 0.6708% | 3,670 |
| Net loans and leases to total assets | 28.0596% | 6,234 |
| Net loans and leases to deposits | 31.4056% | 6,271 |
| Net loans and leases to core deposits | 31.4056% | 6,290 |
| Total domestic deposits to total assets | 89.3459% | 1,048 |
| Equity capital to assets | 10.4952% | 3,487 |
| Core capital (leverage) ratio | 11.2793% | 2,156 |
| Tier 1 risk-based capital ratio | 22.5659% | 1,139 |
| Total risk-based capital ratio | 22.9102% | 1,257 |
| Memoranda: | ||
| Average total assets | $40,952,600 | 6,011 |
| Average earning assets | $36,908,200 | 6,019 |
| Average equity | $4,473,600 | 5,992 |
| Average total loans | $12,526,000 | 6,243 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5883% | 6,381 |
| Cost of funding earning assets | 0.3336% | 4,531 |
| Net interest margin | 2.2547% | 6,357 |
| Noninterest income to average assets | 0.4445% | 3,928 |
| Noninterest expense to average assets | 2.1139% | 5,541 |
| Loan and lease loss provision to assets | 0.0560% | 3,254 |
| Net operating income to assets | 0.2865% | 5,633 |
| Return on assets (ROA) | 0.2865% | 5,699 |
| Pretax return on assets | 0.2996% | 5,774 |
| Return on Equity (ROE) | 2.5955% | 5,682 |
| Retained earnings to average equity (ytd only) | 0.6265% | 5,618 |
| Net charge-offs to loans | 0.0738% | 3,139 |
| Credit loss provision to net charge-offs | 242.8571% | 1,081 |
| Earnings coverage of net charge-offs (x) | 15.4341% | 2,049 |
| Efficiency ratio | 85.6000% | 1,223 |
| Assets per employee ($millions) | 3.9076% | 4,072 |
| Cash dividends to net income (ytd only)* | 75.8621% | 854 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5014% | 6,339 |
| Loan loss allowance to noncurrent loans | 158.5366% | 2,600 |
| Noncurrent assets plus other real estate owned to assets | 0.4939% | 4,408 |
| Noncurrent loans to loans | 0.3163% | 4,961 |
| Net loans and leases to total assets | 33.0075% | 6,150 |
| Net loans and leases to deposits | 37.3790% | 6,207 |
| Net loans and leases to core deposits | 37.3790% | 6,253 |
| Total domestic deposits to total assets | 88.3048% | 1,603 |
| Equity capital to assets | 11.4981% | 2,491 |
| Core capital (leverage) ratio | 10.9905% | 2,496 |
| Tier 1 risk-based capital ratio | 22.5762% | 1,176 |
| Total risk-based capital ratio | 22.9070% | 1,293 |
| Memoranda: | ||
| Average total assets | $40,493,000 | 6,098 |
| Average earning assets | $36,368,000 | 6,102 |
| Average equity | $4,469,250 | 6,059 |
| Average total loans | $12,638,750 | 6,311 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5403% | 6,465 |
| Cost of funding earning assets | 0.3351% | 4,583 |
| Net interest margin | 2.2052% | 6,447 |
| Noninterest income to average assets | 0.4394% | 3,947 |
| Noninterest expense to average assets | 2.0993% | 5,625 |
| Loan and lease loss provision to assets | 0.0586% | 3,111 |
| Net operating income to assets | 0.2636% | 5,680 |
| Return on assets (ROA) | 0.2636% | 5,754 |
| Pretax return on assets | 0.2734% | 5,833 |
| Return on Equity (ROE) | 2.4208% | 5,728 |
| Retained earnings to average equity (ytd only) | 0.4483% | 5,566 |
| Net charge-offs to loans | 0.1436% | 2,238 |
| Credit loss provision to net charge-offs | 133.3333% | 1,583 |
| Earnings coverage of net charge-offs (x) | 7.5556% | 2,611 |
| Efficiency ratio | 86.3454% | 1,235 |
| Assets per employee ($millions) | 4.1261% | 3,594 |
| Cash dividends to net income (ytd only)* | 81.4815% | 861 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4658% | 6,449 |
| Loan loss allowance to noncurrent loans | 138.0952% | 2,886 |
| Noncurrent assets plus other real estate owned to assets | 0.4944% | 4,528 |
| Noncurrent loans to loans | 0.3373% | 5,005 |
| Net loans and leases to total assets | 30.0356% | 6,303 |
| Net loans and leases to deposits | 33.7831% | 6,351 |
| Net loans and leases to core deposits | 33.7831% | 6,377 |
| Total domestic deposits to total assets | 88.9072% | 1,412 |
| Equity capital to assets | 10.9013% | 2,979 |
| Core capital (leverage) ratio | 11.0866% | 2,346 |
| Tier 1 risk-based capital ratio | 22.7168% | 1,152 |
| Total risk-based capital ratio | 23.0145% | 1,273 |
| Memoranda: | ||
| Average total assets | $40,965,330 | 6,143 |
| Average earning assets | $37,003,000 | 6,145 |
| Average equity | $4,461,330 | 6,108 |
| Average total loans | $12,530,670 | 6,369 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6170% | 6,506 |
| Cost of funding earning assets | 0.3394% | 4,650 |
| Net interest margin | 2.2775% | 6,489 |
| Noninterest income to average assets | 0.4312% | 3,941 |
| Noninterest expense to average assets | 2.1461% | 5,586 |
| Loan and lease loss provision to assets | 0.0588% | 2,941 |
| Net operating income to assets | 0.2352% | 5,702 |
| Return on assets (ROA) | 0.2352% | 5,749 |
| Pretax return on assets | 0.2646% | 5,790 |
| Return on Equity (ROE) | 2.1607% | 5,745 |
| Retained earnings to average equity (ytd only) | 0.0900% | 5,524 |
| Net charge-offs to loans | 0.3182% | 1,114 |
| Credit loss provision to net charge-offs | 60.0000% | 2,107 |
| Earnings coverage of net charge-offs (x) | 3.3000% | 2,705 |
| Efficiency ratio | 86.9048% | 1,346 |
| Assets per employee ($millions) | 4.0269% | 3,895 |
| Cash dividends to net income (ytd only)* | 95.8333% | 740 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4010% | 6,561 |
| Loan loss allowance to noncurrent loans | 454.5455% | 1,017 |
| Noncurrent assets plus other real estate owned to assets | 0.4271% | 4,858 |
| Noncurrent loans to loans | 0.0882% | 5,864 |
| Net loans and leases to total assets | 30.8376% | 6,314 |
| Net loans and leases to deposits | 34.7629% | 6,353 |
| Net loans and leases to core deposits | 34.7629% | 6,389 |
| Total domestic deposits to total assets | 88.7084% | 1,831 |
| Equity capital to assets | 11.0855% | 2,640 |
| Core capital (leverage) ratio | 11.5714% | 1,920 |
| Tier 1 risk-based capital ratio | 22.4905% | 1,215 |
| Total risk-based capital ratio | 22.7451% | 1,351 |
| Memoranda: | ||
| Average total assets | $40,817,500 | 6,209 |
| Average earning assets | $36,531,000 | 6,221 |
| Average equity | $4,443,000 | 6,149 |
| Average total loans | $12,570,500 | 6,434 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7525% | 6,520 |
| Cost of funding earning assets | 0.4127% | 4,506 |
| Net interest margin | 2.3397% | 6,494 |
| Noninterest income to average assets | 0.4408% | 4,151 |
| Noninterest expense to average assets | 2.2064% | 5,612 |
| Loan and lease loss provision to assets | 0.0391% | 4,338 |
| Net operating income to assets | 0.2791% | 5,593 |
| Return on assets (ROA) | 0.2791% | 5,683 |
| Pretax return on assets | 0.2947% | 5,748 |
| Return on Equity (ROE) | 2.3657% | 5,717 |
| Retained earnings to average equity (ytd only) | 0.8844% | 5,439 |
| Net charge-offs to loans | 0.4524% | 1,462 |
| Credit loss provision to net charge-offs | 27.7778% | 4,294 |
| Earnings coverage of net charge-offs (x) | 2.3704% | 4,218 |
| Efficiency ratio | 86.8583% | 1,327 |
| Assets per employee ($millions) | 3.7605% | 4,347 |
| Cash dividends to net income (ytd only)* | 62.6168% | 1,639 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4340% | 6,618 |
| Loan loss allowance to noncurrent loans | 50.0000% | 5,258 |
| Noncurrent assets plus other real estate owned to assets | 0.4351% | 4,950 |
| Noncurrent loans to loans | 0.8680% | 3,810 |
| Net loans and leases to total assets | 30.5033% | 6,443 |
| Net loans and leases to deposits | 34.2229% | 6,482 |
| Net loans and leases to core deposits | 34.2229% | 6,515 |
| Total domestic deposits to total assets | 89.1312% | 1,530 |
| Equity capital to assets | 10.6899% | 2,944 |
| Core capital (leverage) ratio | 11.4989% | 1,962 |
| Tier 1 risk-based capital ratio | 22.2676% | 1,213 |
| Total risk-based capital ratio | 22.5450% | 1,349 |
| Memoranda: | ||
| Average total assets | $38,343,200 | 6,336 |
| Average earning assets | $34,405,600 | 6,339 |
| Average equity | $4,523,000 | 6,197 |
| Average total loans | $11,937,600 | 6,522 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8272% | 6,557 |
| Cost of funding earning assets | 0.4374% | 4,413 |
| Net interest margin | 2.3898% | 6,525 |
| Noninterest income to average assets | 0.4576% | 4,098 |
| Noninterest expense to average assets | 2.2170% | 5,563 |
| Loan and lease loss provision to assets | 0.0319% | 4,372 |
| Net operating income to assets | 0.3228% | 5,528 |
| Return on assets (ROA) | 0.3228% | 5,650 |
| Pretax return on assets | 0.3405% | 5,772 |
| Return on Equity (ROE) | 2.6676% | 5,725 |
| Retained earnings to average equity (ytd only) | 1.3484% | 5,443 |
| Net charge-offs to loans | 0.5558% | 1,142 |
| Credit loss provision to net charge-offs | 18.3673% | 4,098 |
| Earnings coverage of net charge-offs (x) | 2.1430% | 4,125 |
| Efficiency ratio | 85.6164% | 1,398 |
| Assets per employee ($millions) | 3.3813% | 5,102 |
| Cash dividends to net income (ytd only)* | 49.4519% | 1,888 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4606% | 6,681 |
| Loan loss allowance to noncurrent loans | 15.9763% | 6,312 |
| Noncurrent assets plus other real estate owned to assets | 1.2690% | 3,106 |
| Noncurrent loans to loans | 2.8832% | 1,422 |
| Net loans and leases to total assets | 31.3733% | 6,480 |
| Net loans and leases to deposits | 35.7408% | 6,517 |
| Net loans and leases to core deposits | 35.7408% | 6,569 |
| Total domestic deposits to total assets | 87.7803% | 2,259 |
| Equity capital to assets | 11.9966% | 1,918 |
| Core capital (leverage) ratio | 12.0526% | 1,642 |
| Tier 1 risk-based capital ratio | 24.1360% | 980 |
| Total risk-based capital ratio | 24.4309% | 1,097 |
| Memoranda: | ||
| Average total assets | $37,587,500 | 6,418 |
| Average earning assets | $33,531,000 | 6,434 |
| Average equity | $4,548,250 | 6,270 |
| Average total loans | $11,753,750 | 6,598 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7977% | 6,611 |
| Cost of funding earning assets | 0.4359% | 4,595 |
| Net interest margin | 2.3619% | 6,584 |
| Noninterest income to average assets | 0.4613% | 4,083 |
| Noninterest expense to average assets | 2.2429% | 5,518 |
| Loan and lease loss provision to assets | 0.0318% | 4,294 |
| Net operating income to assets | 0.2969% | 5,612 |
| Return on assets (ROA) | 0.2969% | 5,761 |
| Pretax return on assets | 0.3128% | 5,840 |
| Return on Equity (ROE) | 2.4470% | 5,815 |
| Retained earnings to average equity (ytd only) | 1.4857% | 5,275 |
| Net charge-offs to loans | 0.5780% | 1,142 |
| Credit loss provision to net charge-offs | 17.6471% | 3,773 |
| Earnings coverage of net charge-offs (x) | 1.9118% | 3,883 |
| Efficiency ratio | 86.6803% | 1,345 |
| Assets per employee ($millions) | 3.3896% | 5,087 |
| Cash dividends to net income (ytd only)* | 39.2857% | 2,289 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5750% | 6,640 |
| Loan loss allowance to noncurrent loans | 212.9032% | 1,889 |
| Noncurrent assets plus other real estate owned to assets | 0.4425% | 5,172 |
| Noncurrent loans to loans | 0.2701% | 5,631 |
| Net loans and leases to total assets | 30.6093% | 6,555 |
| Net loans and leases to deposits | 34.8510% | 6,581 |
| Net loans and leases to core deposits | 34.8510% | 6,628 |
| Total domestic deposits to total assets | 87.8292% | 2,367 |
| Equity capital to assets | 11.9348% | 1,952 |
| Core capital (leverage) ratio | 11.7289% | 1,779 |
| Tier 1 risk-based capital ratio | 24.9068% | 884 |
| Total risk-based capital ratio | 25.2796% | 972 |
| Memoranda: | ||
| Average total assets | $37,718,670 | 6,462 |
| Average earning assets | $33,956,000 | 6,466 |
| Average equity | $4,577,000 | 6,311 |
| Average total loans | $11,764,000 | 6,640 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7814% | 6,689 |
| Cost of funding earning assets | 0.4441% | 4,659 |
| Net interest margin | 2.3373% | 6,658 |
| Noninterest income to average assets | 0.5272% | 3,591 |
| Noninterest expense to average assets | 2.1510% | 5,802 |
| Loan and lease loss provision to assets | 0.0316% | 4,052 |
| Net operating income to assets | 0.4323% | 4,991 |
| Return on assets (ROA) | 0.4323% | 5,150 |
| Pretax return on assets | 0.4534% | 5,404 |
| Return on Equity (ROE) | 3.5341% | 5,323 |
| Retained earnings to average equity (ytd only) | 3.5341% | 4,122 |
| Net charge-offs to loans | -0.1680% | 6,637 |
| Credit loss provision to net charge-offs | -60.0000% | 5,079 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.6000% | 2,100 |
| Assets per employee ($millions) | 3.5726% | 4,832 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8643% | 6,339 |
| Loan loss allowance to noncurrent loans | 33.2248% | 5,903 |
| Noncurrent assets plus other real estate owned to assets | 0.7812% | 4,422 |
| Noncurrent loans to loans | 2.6013% | 1,982 |
| Net loans and leases to total assets | 29.7717% | 6,616 |
| Net loans and leases to deposits | 33.8502% | 6,644 |
| Net loans and leases to core deposits | 33.8502% | 6,677 |
| Total domestic deposits to total assets | 87.9513% | 2,349 |
| Equity capital to assets | 11.8349% | 2,149 |
| Core capital (leverage) ratio | 12.1713% | 1,475 |
| Tier 1 risk-based capital ratio | 24.1905% | 992 |
| Total risk-based capital ratio | 24.7493% | 1,067 |
| Memoranda: | ||
| Average total assets | $37,935,000 | 6,520 |
| Average earning assets | $34,227,500 | 6,516 |
| Average equity | $4,640,500 | 6,354 |
| Average total loans | $11,906,500 | 6,700 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1547% | 6,685 |
| Cost of funding earning assets | 0.5352% | 4,951 |
| Net interest margin | 2.6195% | 6,616 |
| Noninterest income to average assets | 0.4708% | 4,092 |
| Noninterest expense to average assets | 2.3348% | 5,599 |
| Loan and lease loss provision to assets | 0.0325% | 5,489 |
| Net operating income to assets | 0.4626% | 4,829 |
| Return on assets (ROA) | 0.4626% | 5,079 |
| Pretax return on assets | 0.4870% | 5,318 |
| Return on Equity (ROE) | 3.1058% | 5,512 |
| Retained earnings to average equity (ytd only) | -19.9608% | 6,851 |
| Net charge-offs to loans | 0.0228% | 5,583 |
| Credit loss provision to net charge-offs | 400.0000% | 597 |
| Earnings coverage of net charge-offs (x) | 64.0000% | 559 |
| Efficiency ratio | 81.8009% | 1,896 |
| Assets per employee ($millions) | 3.3246% | 5,372 |
| Cash dividends to net income (ytd only)* | 742.6901% | 18 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7826% | 6,519 |
| Loan loss allowance to noncurrent loans | 35.7414% | 5,826 |
| Noncurrent assets plus other real estate owned to assets | 0.7191% | 4,677 |
| Noncurrent loans to loans | 2.1897% | 2,479 |
| Net loans and leases to total assets | 32.5859% | 6,603 |
| Net loans and leases to deposits | 37.4125% | 6,654 |
| Net loans and leases to core deposits | 37.4125% | 6,698 |
| Total domestic deposits to total assets | 87.0991% | 2,781 |
| Equity capital to assets | 12.6603% | 1,606 |
| Core capital (leverage) ratio | 12.1262% | 1,493 |
| Tier 1 risk-based capital ratio | 24.8227% | 871 |
| Total risk-based capital ratio | 25.3560% | 939 |
| Memoranda: | ||
| Average total assets | $36,962,000 | 6,584 |
| Average earning assets | $33,632,800 | 6,568 |
| Average equity | $5,505,800 | 6,145 |
| Average total loans | $13,132,000 | 6,733 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2142% | 6,790 |
| Cost of funding earning assets | 0.5490% | 5,096 |
| Net interest margin | 2.6652% | 6,691 |
| Noninterest income to average assets | 0.4605% | 4,207 |
| Noninterest expense to average assets | 2.3637% | 5,507 |
| Loan and lease loss provision to assets | 0.0324% | 5,374 |
| Net operating income to assets | 0.4533% | 5,023 |
| Return on assets (ROA) | 0.4533% | 5,266 |
| Pretax return on assets | 0.4749% | 5,531 |
| Return on Equity (ROE) | 2.9346% | 5,703 |
| Retained earnings to average equity (ytd only) | -1.7933% | 6,368 |
| Net charge-offs to loans | 0.0696% | 4,718 |
| Credit loss provision to net charge-offs | 128.5714% | 2,241 |
| Earnings coverage of net charge-offs (x) | 20.1501% | 1,456 |
| Efficiency ratio | 82.3308% | 1,776 |
| Assets per employee ($millions) | 3.4691% | 5,041 |
| Cash dividends to net income (ytd only)* | 161.1071% | 92 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6364% | 6,824 |
| Loan loss allowance to noncurrent loans | 52.7273% | 4,987 |
| Noncurrent assets plus other real estate owned to assets | 0.4324% | 5,596 |
| Noncurrent loans to loans | 1.2069% | 4,038 |
| Net loans and leases to total assets | 35.5975% | 6,573 |
| Net loans and leases to deposits | 42.0219% | 6,594 |
| Net loans and leases to core deposits | 42.0219% | 6,669 |
| Total domestic deposits to total assets | 84.7117% | 3,879 |
| Equity capital to assets | 14.9214% | 841 |
| Core capital (leverage) ratio | 15.3195% | 565 |
| Tier 1 risk-based capital ratio | 27.9238% | 665 |
| Total risk-based capital ratio | 28.3740% | 715 |
| Memoranda: | ||
| Average total assets | $37,059,750 | 6,665 |
| Average earning assets | $33,517,000 | 6,654 |
| Average equity | $5,724,750 | 6,165 |
| Average total loans | $13,412,250 | 6,808 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2587% | 6,842 |
| Cost of funding earning assets | 0.5673% | 5,169 |
| Net interest margin | 2.6914% | 6,718 |
| Noninterest income to average assets | 0.4579% | 4,231 |
| Noninterest expense to average assets | 2.4037% | 5,449 |
| Loan and lease loss provision to assets | 0.0327% | 5,263 |
| Net operating income to assets | 0.3870% | 5,260 |
| Return on assets (ROA) | 0.3870% | 5,501 |
| Pretax return on assets | 0.4524% | 5,570 |
| Return on Equity (ROE) | 2.4760% | 5,887 |
| Retained earnings to average equity (ytd only) | -2.2319% | 6,388 |
| Net charge-offs to loans | -0.0150% | 6,367 |
| Credit loss provision to net charge-offs | -600.0000% | 6,317 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.2075% | 1,722 |
| Assets per employee ($millions) | 3.1156% | 5,809 |
| Cash dividends to net income (ytd only)* | 190.1408% | 92 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6916% | 6,837 |
| Loan loss allowance to noncurrent loans | 42.2018% | 5,550 |
| Noncurrent assets plus other real estate owned to assets | 0.6361% | 5,183 |
| Noncurrent loans to loans | 1.6387% | 3,454 |
| Net loans and leases to total assets | 38.5475% | 6,435 |
| Net loans and leases to deposits | 46.4832% | 6,404 |
| Net loans and leases to core deposits | 46.4832% | 6,550 |
| Total domestic deposits to total assets | 82.9278% | 4,779 |
| Equity capital to assets | 16.6579% | 487 |
| Core capital (leverage) ratio | 15.2521% | 554 |
| Tier 1 risk-based capital ratio | 29.9419% | 523 |
| Total risk-based capital ratio | 30.4511% | 547 |
| Memoranda: | ||
| Average total assets | $36,693,000 | 6,717 |
| Average earning assets | $33,142,330 | 6,707 |
| Average equity | $5,735,000 | 6,186 |
| Average total loans | $13,326,000 | 6,866 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1897% | 6,949 |
| Cost of funding earning assets | 0.5650% | 5,393 |
| Net interest margin | 2.6247% | 6,862 |
| Noninterest income to average assets | 0.4749% | 4,110 |
| Noninterest expense to average assets | 2.3639% | 5,587 |
| Loan and lease loss provision to assets | 0.0317% | 4,972 |
| Net operating income to assets | 0.3905% | 5,297 |
| Return on assets (ROA) | 0.3905% | 5,485 |
| Pretax return on assets | 0.4327% | 5,638 |
| Return on Equity (ROE) | 2.5748% | 5,876 |
| Retained earnings to average equity (ytd only) | -2.1573% | 6,297 |
| Net charge-offs to loans | -0.0600% | 6,606 |
| Credit loss provision to net charge-offs | -150.0000% | 5,549 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.5821% | 1,729 |
| Assets per employee ($millions) | 3.5777% | 4,942 |
| Cash dividends to net income (ytd only)* | 183.7838% | 195 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6637% | 6,919 |
| Loan loss allowance to noncurrent loans | 37.3950% | 5,776 |
| Noncurrent assets plus other real estate owned to assets | 0.6048% | 5,378 |
| Noncurrent loans to loans | 1.7748% | 3,445 |
| Net loans and leases to total assets | 33.8483% | 6,753 |
| Net loans and leases to deposits | 39.7654% | 6,748 |
| Net loans and leases to core deposits | 39.7654% | 6,821 |
| Total domestic deposits to total assets | 85.1201% | 3,976 |
| Equity capital to assets | 14.5826% | 841 |
| Core capital (leverage) ratio | 17.7646% | 307 |
| Tier 1 risk-based capital ratio | 28.3349% | 614 |
| Total risk-based capital ratio | 28.7983% | 662 |
| Memoranda: | ||
| Average total assets | $37,903,500 | 6,739 |
| Average earning assets | $33,984,500 | 6,738 |
| Average equity | $5,748,000 | 6,212 |
| Average total loans | $13,337,500 | 6,923 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6935% | 6,854 |
| Cost of funding earning assets | 0.6798% | 5,663 |
| Net interest margin | 3.0137% | 6,507 |
| Noninterest income to average assets | 0.5638% | 3,400 |
| Noninterest expense to average assets | 2.5043% | 5,453 |
| Loan and lease loss provision to assets | 0.0687% | 5,753 |
| Net operating income to assets | 0.7069% | 3,459 |
| Return on assets (ROA) | 0.7069% | 3,641 |
| Pretax return on assets | 0.7441% | 4,176 |
| Return on Equity (ROE) | 4.3052% | 4,721 |
| Retained earnings to average equity (ytd only) | -0.4009% | 5,916 |
| Net charge-offs to loans | 0.0841% | 5,481 |
| Credit loss provision to net charge-offs | 200.0000% | 1,243 |
| Earnings coverage of net charge-offs (x) | 23.6667% | 1,011 |
| Efficiency ratio | 75.4961% | 2,976 |
| Assets per employee ($millions) | 3.3138% | 5,469 |
| Cash dividends to net income (ytd only)* | 109.3117% | 252 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6332% | 6,984 |
| Loan loss allowance to noncurrent loans | 27.1845% | 6,336 |
| Noncurrent assets plus other real estate owned to assets | 0.8477% | 4,927 |
| Noncurrent loans to loans | 2.3294% | 2,824 |
| Net loans and leases to total assets | 36.1599% | 6,760 |
| Net loans and leases to deposits | 43.0892% | 6,753 |
| Net loans and leases to core deposits | 43.0892% | 6,850 |
| Total domestic deposits to total assets | 83.9186% | 4,341 |
| Equity capital to assets | 15.7934% | 615 |
| Core capital (leverage) ratio | 15.4609% | 536 |
| Tier 1 risk-based capital ratio | 29.2330% | 554 |
| Total risk-based capital ratio | 29.6817% | 580 |
| Memoranda: | ||
| Average total assets | $34,940,200 | 6,833 |
| Average earning assets | $31,920,800 | 6,812 |
| Average equity | $5,737,200 | 6,222 |
| Average total loans | $14,268,200 | 6,938 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8291% | 6,807 |
| Cost of funding earning assets | 0.7158% | 5,673 |
| Net interest margin | 3.1132% | 6,365 |
| Noninterest income to average assets | 0.5787% | 3,311 |
| Noninterest expense to average assets | 2.5692% | 5,203 |
| Loan and lease loss provision to assets | 0.0694% | 5,589 |
| Net operating income to assets | 0.7368% | 3,443 |
| Return on assets (ROA) | 0.7368% | 3,615 |
| Pretax return on assets | 0.7754% | 4,215 |
| Return on Equity (ROE) | 4.4426% | 4,801 |
| Retained earnings to average equity (ytd only) | -0.2791% | 6,029 |
| Net charge-offs to loans | -0.0276% | 6,959 |
| Credit loss provision to net charge-offs | -600.0000% | 6,692 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.2542% | 2,965 |
| Assets per employee ($millions) | 2.9446% | 6,241 |
| Cash dividends to net income (ytd only)* | 106.2829% | 252 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6596% | 7,017 |
| Loan loss allowance to noncurrent loans | 30.3514% | 6,232 |
| Noncurrent assets plus other real estate owned to assets | 0.8858% | 4,967 |
| Noncurrent loans to loans | 2.1732% | 3,151 |
| Net loans and leases to total assets | 40.4924% | 6,597 |
| Net loans and leases to deposits | 48.6981% | 6,589 |
| Net loans and leases to core deposits | 48.6981% | 6,729 |
| Total domestic deposits to total assets | 83.1499% | 4,623 |
| Equity capital to assets | 16.4313% | 560 |
| Core capital (leverage) ratio | 16.1807% | 481 |
| Tier 1 risk-based capital ratio | 28.5677% | 617 |
| Total risk-based capital ratio | 29.0627% | 657 |
| Memoranda: | ||
| Average total assets | $34,562,250 | 6,904 |
| Average earning assets | $31,477,750 | 6,889 |
| Average equity | $5,732,250 | 6,267 |
| Average total loans | $14,519,000 | 6,993 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8213% | 6,897 |
| Cost of funding earning assets | 0.7228% | 5,820 |
| Net interest margin | 3.0985% | 6,411 |
| Noninterest income to average assets | 0.5830% | 3,244 |
| Noninterest expense to average assets | 2.5886% | 5,228 |
| Loan and lease loss provision to assets | 0.0700% | 5,431 |
| Net operating income to assets | 0.7579% | 3,254 |
| Return on assets (ROA) | 0.7579% | 3,382 |
| Pretax return on assets | 0.7987% | 4,035 |
| Return on Equity (ROE) | 4.5553% | 4,665 |
| Retained earnings to average equity (ytd only) | -0.1752% | 5,871 |
| Net charge-offs to loans | -0.0962% | 7,156 |
| Credit loss provision to net charge-offs | -171.4286% | 6,371 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8735% | 3,206 |
| Assets per employee ($millions) | 2.8656% | 6,357 |
| Cash dividends to net income (ytd only)* | 103.8462% | 425 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6357% | 7,099 |
| Loan loss allowance to noncurrent loans | 59.7403% | 4,460 |
| Noncurrent assets plus other real estate owned to assets | 0.4478% | 6,030 |
| Noncurrent loans to loans | 1.0641% | 4,884 |
| Net loans and leases to total assets | 41.8210% | 6,605 |
| Net loans and leases to deposits | 50.4862% | 6,567 |
| Net loans and leases to core deposits | 50.4862% | 6,739 |
| Total domestic deposits to total assets | 82.8365% | 4,829 |
| Equity capital to assets | 16.7505% | 511 |
| Core capital (leverage) ratio | 15.3324% | 611 |
| Tier 1 risk-based capital ratio | 29.0698% | 593 |
| Total risk-based capital ratio | 29.5569% | 621 |
| Memoranda: | ||
| Average total assets | $34,304,670 | 6,980 |
| Average earning assets | $31,821,670 | 6,940 |
| Average equity | $5,707,670 | 6,316 |
| Average total loans | $14,557,670 | 7,059 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8631% | 6,871 |
| Cost of funding earning assets | 0.7498% | 5,862 |
| Net interest margin | 3.1134% | 6,314 |
| Noninterest income to average assets | 0.5954% | 3,203 |
| Noninterest expense to average assets | 2.5100% | 5,519 |
| Loan and lease loss provision to assets | 0.0700% | 5,120 |
| Net operating income to assets | 0.8289% | 2,887 |
| Return on assets (ROA) | 0.8289% | 2,948 |
| Pretax return on assets | 0.8756% | 3,592 |
| Return on Equity (ROE) | 4.9987% | 4,408 |
| Retained earnings to average equity (ytd only) | 0.2816% | 5,695 |
| Net charge-offs to loans | -0.0548% | 6,911 |
| Credit loss provision to net charge-offs | -300.0000% | 5,858 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6351% | 3,744 |
| Assets per employee ($millions) | 2.9380% | 6,263 |
| Cash dividends to net income (ytd only)* | 94.3662% | 647 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5562% | 7,248 |
| Loan loss allowance to noncurrent loans | 41.7526% | 5,518 |
| Noncurrent assets plus other real estate owned to assets | 0.5503% | 5,867 |
| Noncurrent loans to loans | 1.3321% | 4,477 |
| Net loans and leases to total assets | 41.0795% | 6,700 |
| Net loans and leases to deposits | 49.1733% | 6,675 |
| Net loans and leases to core deposits | 49.1733% | 6,823 |
| Total domestic deposits to total assets | 83.5404% | 4,682 |
| Equity capital to assets | 16.1221% | 554 |
| Core capital (leverage) ratio | 16.3088% | 452 |
| Tier 1 risk-based capital ratio | 28.5900% | 597 |
| Total risk-based capital ratio | 29.0111% | 634 |
| Memoranda: | ||
| Average total assets | $34,263,500 | 7,035 |
| Average earning assets | $31,477,000 | 7,003 |
| Average equity | $5,681,500 | 6,341 |
| Average total loans | $14,600,000 | 7,112 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5279% | 6,319 |
| Cost of funding earning assets | 0.9256% | 6,047 |
| Net interest margin | 3.6023% | 4,809 |
| Noninterest income to average assets | 0.5628% | 3,722 |
| Noninterest expense to average assets | 2.7779% | 4,679 |
| Loan and lease loss provision to assets | 0.0718% | 6,428 |
| Net operating income to assets | 0.8950% | 2,415 |
| Return on assets (ROA) | 0.8950% | 2,545 |
| Pretax return on assets | 0.9400% | 3,133 |
| Return on Equity (ROE) | 5.2143% | 3,983 |
| Retained earnings to average equity (ytd only) | 0.5057% | 5,327 |
| Net charge-offs to loans | 0.2993% | 4,523 |
| Credit loss provision to net charge-offs | 51.0638% | 6,242 |
| Earnings coverage of net charge-offs (x) | 7.1915% | 2,182 |
| Efficiency ratio | 73.3017% | 3,529 |
| Assets per employee ($millions) | 2.7726% | 6,565 |
| Cash dividends to net income (ytd only)* | 90.3010% | 564 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4988% | 7,359 |
| Loan loss allowance to noncurrent loans | 30.1653% | 6,282 |
| Noncurrent assets plus other real estate owned to assets | 0.7274% | 5,550 |
| Noncurrent loans to loans | 1.6535% | 4,026 |
| Net loans and leases to total assets | 43.7709% | 6,731 |
| Net loans and leases to deposits | 53.0161% | 6,672 |
| Net loans and leases to core deposits | 53.0161% | 6,858 |
| Total domestic deposits to total assets | 82.5614% | 4,990 |
| Equity capital to assets | 17.0689% | 450 |
| Core capital (leverage) ratio | 16.3703% | 468 |
| Tier 1 risk-based capital ratio | 29.0164% | 543 |
| Total risk-based capital ratio | 29.4018% | 578 |
| Memoranda: | ||
| Average total assets | $33,406,000 | 7,102 |
| Average earning assets | $29,925,400 | 7,092 |
| Average equity | $5,734,200 | 6,452 |
| Average total loans | $15,705,800 | 7,129 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5303% | 6,527 |
| Cost of funding earning assets | 0.9423% | 6,212 |
| Net interest margin | 3.5880% | 4,931 |
| Noninterest income to average assets | 0.5622% | 3,701 |
| Noninterest expense to average assets | 2.7791% | 4,569 |
| Loan and lease loss provision to assets | 0.0718% | 6,342 |
| Net operating income to assets | 0.8971% | 2,622 |
| Return on assets (ROA) | 0.8971% | 2,775 |
| Pretax return on assets | 0.9450% | 3,388 |
| Return on Equity (ROE) | 5.2190% | 4,187 |
| Retained earnings to average equity (ytd only) | 0.5336% | 5,585 |
| Net charge-offs to loans | 0.4174% | 3,618 |
| Credit loss provision to net charge-offs | 36.0000% | 6,083 |
| Earnings coverage of net charge-offs (x) | 5.0996% | 2,852 |
| Efficiency ratio | 73.2143% | 3,480 |
| Assets per employee ($millions) | 2.6718% | 6,819 |
| Cash dividends to net income (ytd only)* | 89.7797% | 470 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4051% | 7,532 |
| Loan loss allowance to noncurrent loans | 38.3234% | 5,761 |
| Noncurrent assets plus other real estate owned to assets | 0.5209% | 6,128 |
| Noncurrent loans to loans | 1.0570% | 5,129 |
| Net loans and leases to total assets | 49.0799% | 6,423 |
| Net loans and leases to deposits | 60.4417% | 6,276 |
| Net loans and leases to core deposits | 60.4417% | 6,576 |
| Total domestic deposits to total assets | 81.2020% | 5,303 |
| Equity capital to assets | 18.2646% | 393 |
| Core capital (leverage) ratio | 16.2153% | 527 |
| Tier 1 risk-based capital ratio | 28.0497% | 623 |
| Total risk-based capital ratio | 28.3766% | 678 |
| Memoranda: | ||
| Average total assets | $33,439,750 | 7,187 |
| Average earning assets | $30,136,750 | 7,172 |
| Average equity | $5,748,000 | 6,528 |
| Average total loans | $15,973,250 | 7,213 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4174% | 6,864 |
| Cost of funding earning assets | 0.9355% | 6,438 |
| Net interest margin | 3.4820% | 5,315 |
| Noninterest income to average assets | 0.5251% | 3,918 |
| Noninterest expense to average assets | 2.7611% | 4,657 |
| Loan and lease loss provision to assets | 0.0708% | 6,243 |
| Net operating income to assets | 0.8142% | 2,906 |
| Return on assets (ROA) | 0.8142% | 3,052 |
| Pretax return on assets | 0.8555% | 3,675 |
| Return on Equity (ROE) | 4.8319% | 4,366 |
| Retained earnings to average equity (ytd only) | 0.1050% | 5,700 |
| Net charge-offs to loans | 0.1372% | 4,847 |
| Credit loss provision to net charge-offs | 109.0909% | 3,741 |
| Earnings coverage of net charge-offs (x) | 14.2727% | 1,534 |
| Efficiency ratio | 74.8800% | 3,284 |
| Assets per employee ($millions) | 2.8412% | 6,478 |
| Cash dividends to net income (ytd only)* | 97.8261% | 491 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5968% | 7,418 |
| Loan loss allowance to noncurrent loans | 76.8000% | 3,535 |
| Noncurrent assets plus other real estate owned to assets | 0.3666% | 6,515 |
| Noncurrent loans to loans | 0.7771% | 5,717 |
| Net loans and leases to total assets | 46.8997% | 6,714 |
| Net loans and leases to deposits | 56.6740% | 6,673 |
| Net loans and leases to core deposits | 56.6740% | 6,903 |
| Total domestic deposits to total assets | 82.7536% | 4,666 |
| Equity capital to assets | 16.8006% | 561 |
| Core capital (leverage) ratio | 16.0445% | 563 |
| Tier 1 risk-based capital ratio | 27.1379% | 687 |
| Total risk-based capital ratio | 27.6141% | 738 |
| Memoranda: | ||
| Average total assets | $33,899,000 | 7,217 |
| Average earning assets | $30,787,000 | 7,198 |
| Average equity | $5,712,000 | 6,559 |
| Average total loans | $16,031,000 | 7,259 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4626% | 6,873 |
| Cost of funding earning assets | 0.9423% | 6,611 |
| Net interest margin | 3.5204% | 5,087 |
| Noninterest income to average assets | 0.5325% | 3,793 |
| Noninterest expense to average assets | 2.8519% | 4,272 |
| Loan and lease loss provision to assets | 0.0710% | 5,925 |
| Net operating income to assets | 0.7455% | 3,233 |
| Return on assets (ROA) | 0.7455% | 3,337 |
| Pretax return on assets | 0.7929% | 3,899 |
| Return on Equity (ROE) | 4.4180% | 4,697 |
| Retained earnings to average equity (ytd only) | -0.3506% | 5,908 |
| Net charge-offs to loans | -0.3499% | 7,763 |
| Credit loss provision to net charge-offs | -42.8571% | 6,002 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.7516% | 3,100 |
| Assets per employee ($millions) | 2.7388% | 6,782 |
| Cash dividends to net income (ytd only)* | 107.9365% | 517 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7331% | 7,284 |
| Loan loss allowance to noncurrent loans | 69.2771% | 3,893 |
| Noncurrent assets plus other real estate owned to assets | 0.5051% | 6,232 |
| Noncurrent loans to loans | 1.0582% | 5,227 |
| Net loans and leases to total assets | 47.3803% | 6,726 |
| Net loans and leases to deposits | 57.5632% | 6,648 |
| Net loans and leases to core deposits | 57.5632% | 6,903 |
| Total domestic deposits to total assets | 82.3100% | 4,928 |
| Equity capital to assets | 17.2975% | 496 |
| Core capital (leverage) ratio | 16.4123% | 520 |
| Tier 1 risk-based capital ratio | 27.4096% | 679 |
| Total risk-based capital ratio | 27.9866% | 711 |
| Memoranda: | ||
| Average total assets | $33,801,500 | 7,316 |
| Average earning assets | $30,565,000 | 7,298 |
| Average equity | $5,704,000 | 6,617 |
| Average total loans | $16,003,500 | 7,350 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6565% | 7,202 |
| Cost of funding earning assets | 1.0654% | 7,067 |
| Net interest margin | 3.5911% | 4,581 |
| Noninterest income to average assets | 0.5069% | 4,362 |
| Noninterest expense to average assets | 2.5808% | 5,860 |
| Loan and lease loss provision to assets | 0.5674% | 3,539 |
| Net operating income to assets | 0.5396% | 3,574 |
| Return on assets (ROA) | 0.8670% | 2,358 |
| Pretax return on assets | 0.8872% | 2,963 |
| Return on Equity (ROE) | 5.2448% | 3,564 |
| Retained earnings to average equity (ytd only) | 0.5402% | 4,602 |
| Net charge-offs to loans | 1.0512% | 2,308 |
| Credit loss provision to net charge-offs | 124.6835% | 4,206 |
| Earnings coverage of net charge-offs (x) | 2.4620% | 3,890 |
| Efficiency ratio | 69.7276% | 4,688 |
| Assets per employee ($millions) | 2.8948% | 6,463 |
| Cash dividends to net income (ytd only)* | 89.7010% | 867 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5821% | 7,577 |
| Loan loss allowance to noncurrent loans | 20.0422% | 7,059 |
| Noncurrent assets plus other real estate owned to assets | 1.3645% | 4,377 |
| Noncurrent loans to loans | 2.9044% | 2,659 |
| Net loans and leases to total assets | 46.7081% | 6,918 |
| Net loans and leases to deposits | 56.1866% | 6,909 |
| Net loans and leases to core deposits | 57.7402% | 7,349 |
| Total domestic deposits to total assets | 83.1304% | 4,467 |
| Equity capital to assets | 16.4752% | 623 |
| Core capital (leverage) ratio | 16.2458% | 579 |
| Tier 1 risk-based capital ratio | 26.4653% | 733 |
| Total risk-based capital ratio | 26.9251% | 776 |
| Memoranda: | ||
| Average total assets | $34,717,600 | 7,292 |
| Average earning assets | $30,881,800 | 7,319 |
| Average equity | $5,739,000 | 6,701 |
| Average total loans | $15,030,400 | 7,452 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6629% | 7,337 |
| Cost of funding earning assets | 1.0936% | 7,188 |
| Net interest margin | 3.5693% | 4,594 |
| Noninterest income to average assets | 0.5185% | 4,331 |
| Noninterest expense to average assets | 2.5158% | 6,021 |
| Loan and lease loss provision to assets | 0.1460% | 5,900 |
| Net operating income to assets | 1.0409% | 1,933 |
| Return on assets (ROA) | 1.4865% | 897 |
| Pretax return on assets | 1.4865% | 1,457 |
| Return on Equity (ROE) | 8.9847% | 2,262 |
| Retained earnings to average equity (ytd only) | 2.7164% | 3,814 |
| Net charge-offs to loans | 0.0453% | 6,275 |
| Credit loss provision to net charge-offs | 760.0000% | 502 |
| Earnings coverage of net charge-offs (x) | 61.7676% | 531 |
| Efficiency ratio | 67.9461% | 4,991 |
| Assets per employee ($millions) | 2.8999% | 6,406 |
| Cash dividends to net income (ytd only)* | 69.7669% | 1,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6117% | 7,555 |
| Loan loss allowance to noncurrent loans | 31.9149% | 6,314 |
| Noncurrent assets plus other real estate owned to assets | 0.8104% | 5,476 |
| Noncurrent loans to loans | 1.9165% | 3,750 |
| Net loans and leases to total assets | 42.0242% | 7,363 |
| Net loans and leases to deposits | 51.6694% | 7,318 |
| Net loans and leases to core deposits | 53.1280% | 7,620 |
| Total domestic deposits to total assets | 81.3328% | 4,949 |
| Equity capital to assets | 16.8568% | 652 |
| Core capital (leverage) ratio | 16.5960% | 602 |
| Tier 1 risk-based capital ratio | 28.5428% | 647 |
| Total risk-based capital ratio | 29.0052% | 684 |
| Memoranda: | ||
| Average total assets | $34,712,750 | 7,353 |
| Average earning assets | $30,967,000 | 7,372 |
| Average equity | $5,743,000 | 6,759 |
| Average total loans | $14,708,000 | 7,536 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6452% | 7,467 |
| Cost of funding earning assets | 1.1182% | 7,329 |
| Net interest margin | 3.5270% | 4,670 |
| Noninterest income to average assets | 0.5247% | 4,228 |
| Noninterest expense to average assets | 2.4911% | 6,151 |
| Loan and lease loss provision to assets | 0.1845% | 5,181 |
| Net operating income to assets | 1.0610% | 1,911 |
| Return on assets (ROA) | 1.7299% | 579 |
| Pretax return on assets | 1.7011% | 1,015 |
| Return on Equity (ROE) | 10.5226% | 1,839 |
| Retained earnings to average equity (ytd only) | 3.4374% | 3,410 |
| Net charge-offs to loans | 0.0408% | 5,894 |
| Credit loss provision to net charge-offs | 1,066.6667% | 465 |
| Earnings coverage of net charge-offs (x) | 70.3333% | 533 |
| Efficiency ratio | 67.1851% | 5,319 |
| Assets per employee ($millions) | 2.8113% | 6,598 |
| Cash dividends to net income (ytd only)* | 67.3333% | 1,451 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6007% | 7,631 |
| Loan loss allowance to noncurrent loans | 31.7343% | 6,357 |
| Noncurrent assets plus other real estate owned to assets | 0.8033% | 5,385 |
| Noncurrent loans to loans | 1.8930% | 3,678 |
| Net loans and leases to total assets | 42.1805% | 7,437 |
| Net loans and leases to deposits | 50.9506% | 7,440 |
| Net loans and leases to core deposits | 51.9969% | 7,710 |
| Total domestic deposits to total assets | 82.7869% | 4,343 |
| Equity capital to assets | 16.7803% | 696 |
| Core capital (leverage) ratio | 15.8851% | 760 |
| Tier 1 risk-based capital ratio | 29.2919% | 642 |
| Total risk-based capital ratio | 29.7470% | 677 |
| Memoranda: | ||
| Average total assets | $34,684,000 | 7,420 |
| Average earning assets | $31,301,000 | 7,424 |
| Average equity | $5,702,000 | 6,827 |
| Average total loans | $14,706,000 | 7,608 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7209% | 7,477 |
| Cost of funding earning assets | 1.1452% | 7,430 |
| Net interest margin | 3.5756% | 4,429 |
| Noninterest income to average assets | 0.5347% | 4,026 |
| Noninterest expense to average assets | 2.5371% | 5,703 |
| Loan and lease loss provision to assets | 0.2958% | 3,582 |
| Net operating income to assets | 1.0808% | 2,029 |
| Return on assets (ROA) | 1.0808% | 2,160 |
| Pretax return on assets | 0.8988% | 3,718 |
| Return on Equity (ROE) | 6.6405% | 3,754 |
| Retained earnings to average equity (ytd only) | 1.8873% | 4,804 |
| Net charge-offs to loans | 0.0537% | 4,717 |
| Credit loss provision to net charge-offs | 1,300.0000% | 483 |
| Earnings coverage of net charge-offs (x) | 52.5000% | 694 |
| Efficiency ratio | 67.9878% | 4,969 |
| Assets per employee ($millions) | 2.8817% | 6,453 |
| Cash dividends to net income (ytd only)* | 71.5789% | 1,239 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5647% | 7,728 |
| Loan loss allowance to noncurrent loans | 68.0672% | 4,178 |
| Noncurrent assets plus other real estate owned to assets | 0.3441% | 6,484 |
| Noncurrent loans to loans | 0.8296% | 5,368 |
| Net loans and leases to total assets | 41.2464% | 7,511 |
| Net loans and leases to deposits | 49.6796% | 7,510 |
| Net loans and leases to core deposits | 50.7616% | 7,763 |
| Total domestic deposits to total assets | 83.0249% | 4,132 |
| Equity capital to assets | 16.6108% | 782 |
| Core capital (leverage) ratio | 16.1209% | 766 |
| Tier 1 risk-based capital ratio | 29.2277% | 676 |
| Total risk-based capital ratio | 29.6609% | 710 |
| Memoranda: | ||
| Average total assets | $35,158,000 | 7,439 |
| Average earning assets | $31,435,000 | 7,454 |
| Average equity | $5,722,500 | 6,868 |
| Average total loans | $14,901,000 | 7,641 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1117% | 7,762 |
| Cost of funding earning assets | 1.4484% | 7,685 |
| Net interest margin | 3.6634% | 4,631 |
| Noninterest income to average assets | 0.5947% | 3,872 |
| Noninterest expense to average assets | 2.6972% | 5,275 |
| Loan and lease loss provision to assets | 0.0270% | 7,059 |
| Net operating income to assets | 1.0632% | 2,292 |
| Return on assets (ROA) | 1.0632% | 2,201 |
| Pretax return on assets | 1.1143% | 2,976 |
| Return on Equity (ROE) | 6.4726% | 3,767 |
| Retained earnings to average equity (ytd only) | 2.7609% | 3,465 |
| Net charge-offs to loans | -0.0066% | 7,811 |
| Credit loss provision to net charge-offs | -900.0000% | 7,431 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2660% | 4,300 |
| Assets per employee ($millions) | 2.9780% | 6,111 |
| Cash dividends to net income (ytd only)* | 57.3446% | 2,784 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3687% | 8,028 |
| Loan loss allowance to noncurrent loans | 52.7778% | 5,359 |
| Noncurrent assets plus other real estate owned to assets | 0.3022% | 6,391 |
| Noncurrent loans to loans | 0.6987% | 5,284 |
| Net loans and leases to total assets | 43.0966% | 7,525 |
| Net loans and leases to deposits | 51.5135% | 7,560 |
| Net loans and leases to core deposits | 52.7739% | 7,832 |
| Total domestic deposits to total assets | 83.6607% | 3,496 |
| Equity capital to assets | 15.9531% | 945 |
| Core capital (leverage) ratio | 16.3947% | 771 |
| Tier 1 risk-based capital ratio | 27.8384% | 768 |
| Total risk-based capital ratio | 28.1303% | 816 |
| Memoranda: | ||
| Average total assets | $33,294,200 | 7,491 |
| Average earning assets | $29,481,200 | 7,543 |
| Average equity | $5,469,200 | 6,990 |
| Average total loans | $15,161,000 | 7,638 |