Home > Table Rock Community Bank > Performance and Condition Ratios
Table Rock Community Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0724% | 1,086 |
| Cost of funding earning assets | 2.8686% | 433 |
| Net interest margin | 3.2037% | 3,004 |
| Noninterest income to average assets | 0.1100% | 4,092 |
| Noninterest expense to average assets | 1.6764% | 4,063 |
| Loan and lease loss provision to assets | 0.1700% | 736 |
| Net operating income to assets | 1.2718% | 1,538 |
| Return on assets (ROA) | 1.2718% | 1,534 |
| Pretax return on assets | 1.2718% | 2,050 |
| Return on Equity (ROE) | 19.0000% | 531 |
| Retained earnings to average equity (ytd only) | 7.0817% | 1,957 |
| Net charge-offs to loans | 0.0082% | 1,942 |
| Credit loss provision to net charge-offs | 2,750.0000% | 159 |
| Earnings coverage of net charge-offs (x) | 252.3333% | 351 |
| Efficiency ratio | 49.9542% | 3,891 |
| Assets per employee ($millions) | 7.5741% | 1,835 |
| Cash dividends to net income (ytd only)* | 62.7246% | 946 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0159% | 3,137 |
| Loan loss allowance to noncurrent loans | 1,126.7658% | 635 |
| Noncurrent assets plus other real estate owned to assets | 0.1242% | 2,888 |
| Noncurrent loans to loans | 0.0902% | 3,213 |
| Net loans and leases to total assets | 68.4100% | 2,031 |
| Net loans and leases to deposits | 79.1953% | 2,128 |
| Net loans and leases to core deposits | 84.3091% | 2,429 |
| Total domestic deposits to total assets | 86.3800% | 2,164 |
| Equity capital to assets | 7.0606% | 4,016 |
| Core capital (leverage) ratio | 8.0739% | 4,269 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5373% | 2,610 |
| Memoranda: | ||
| Average total assets | $420,185,000 | 2,011 |
| Average earning assets | $393,916,000 | 1,998 |
| Average equity | $28,129,000 | 2,525 |
| Average total loans | $291,325,500 | 1,919 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0679% | 1,194 |
| Cost of funding earning assets | 2.8306% | 661 |
| Net interest margin | 3.2374% | 2,645 |
| Noninterest income to average assets | 0.3100% | 3,001 |
| Noninterest expense to average assets | 2.8440% | 1,422 |
| Loan and lease loss provision to assets | 0.1200% | 1,178 |
| Net operating income to assets | 0.3690% | 3,731 |
| Return on assets (ROA) | 0.3673% | 3,766 |
| Pretax return on assets | 0.3673% | 3,844 |
| Return on Equity (ROE) | 5.1200% | 3,487 |
| Retained earnings to average equity (ytd only) | 1.2470% | 3,613 |
| Net charge-offs to loans | 0.0000% | 3,099 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 81.1910% | 968 |
| Assets per employee ($millions) | 7.0457% | 2,137 |
| Cash dividends to net income (ytd only)* | 75.6515% | 662 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0103% | 3,170 |
| Loan loss allowance to noncurrent loans | 1,361.1374% | 582 |
| Noncurrent assets plus other real estate owned to assets | 0.0516% | 3,303 |
| Noncurrent loans to loans | 0.0742% | 3,274 |
| Net loans and leases to total assets | 68.8600% | 2,029 |
| Net loans and leases to deposits | 79.5844% | 2,169 |
| Net loans and leases to core deposits | 85.5386% | 2,418 |
| Total domestic deposits to total assets | 86.5300% | 2,023 |
| Equity capital to assets | 6.3076% | 4,139 |
| Core capital (leverage) ratio | 7.3557% | 4,399 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.6759% | 2,760 |
| Memoranda: | ||
| Average total assets | $365,608,600 | 2,169 |
| Average earning assets | $341,664,800 | 2,152 |
| Average equity | $26,222,800 | 2,564 |
| Average total loans | $258,613,800 | 2,030 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2501% | 946 |
| Cost of funding earning assets | 2.3697% | 1,404 |
| Net interest margin | 3.8803% | 1,333 |
| Noninterest income to average assets | 0.3500% | 2,719 |
| Noninterest expense to average assets | 2.9031% | 1,245 |
| Loan and lease loss provision to assets | 0.0300% | 2,381 |
| Net operating income to assets | 0.9940% | 2,077 |
| Return on assets (ROA) | 0.9893% | 2,095 |
| Pretax return on assets | 0.9893% | 2,580 |
| Return on Equity (ROE) | 10.2800% | 2,107 |
| Retained earnings to average equity (ytd only) | 3.8576% | 2,905 |
| Net charge-offs to loans | -0.0071% | 3,934 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 66.5861% | 2,418 |
| Assets per employee ($millions) | 5.0921% | 3,578 |
| Cash dividends to net income (ytd only)* | 62.4601% | 919 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0373% | 3,060 |
| Loan loss allowance to noncurrent loans | 1,540.0000% | 524 |
| Noncurrent assets plus other real estate owned to assets | 0.0462% | 3,410 |
| Noncurrent loans to loans | 0.0674% | 3,359 |
| Net loans and leases to total assets | 67.8900% | 2,093 |
| Net loans and leases to deposits | 75.5930% | 2,557 |
| Net loans and leases to core deposits | 82.9611% | 2,632 |
| Total domestic deposits to total assets | 89.8100% | 643 |
| Equity capital to assets | 9.8173% | 2,416 |
| Core capital (leverage) ratio | 8.3846% | 4,164 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8673% | 2,289 |
| Memoranda: | ||
| Average total assets | $168,735,500 | 3,212 |
| Average earning assets | $155,343,750 | 3,213 |
| Average equity | $16,244,500 | 3,238 |
| Average total loans | $113,340,000 | 3,069 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0796% | 1,059 |
| Cost of funding earning assets | 2.2434% | 1,561 |
| Net interest margin | 3.8362% | 1,363 |
| Noninterest income to average assets | 0.3300% | 2,813 |
| Noninterest expense to average assets | 2.7907% | 1,485 |
| Loan and lease loss provision to assets | 0.0400% | 2,101 |
| Net operating income to assets | 1.0211% | 1,929 |
| Return on assets (ROA) | 1.0211% | 1,933 |
| Pretax return on assets | 1.0211% | 2,415 |
| Return on Equity (ROE) | 10.6800% | 1,980 |
| Retained earnings to average equity (ytd only) | 4.0516% | 2,694 |
| Net charge-offs to loans | 0.0233% | 1,691 |
| Credit loss provision to net charge-offs | 400.0000% | 704 |
| Earnings coverage of net charge-offs (x) | 68.2308% | 959 |
| Efficiency ratio | 64.8556% | 2,668 |
| Assets per employee ($millions) | 4.8262% | 3,724 |
| Cash dividends to net income (ytd only)* | 62.0609% | 1,067 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0391% | 3,071 |
| Loan loss allowance to noncurrent loans | 534.3612% | 1,209 |
| Noncurrent assets plus other real estate owned to assets | 0.1344% | 2,755 |
| Noncurrent loans to loans | 0.1944% | 2,720 |
| Net loans and leases to total assets | 68.3900% | 2,073 |
| Net loans and leases to deposits | 80.1148% | 2,201 |
| Net loans and leases to core deposits | 93.4096% | 1,911 |
| Total domestic deposits to total assets | 85.3700% | 2,208 |
| Equity capital to assets | 9.5242% | 2,374 |
| Core capital (leverage) ratio | 8.4962% | 4,106 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8146% | 2,319 |
| Memoranda: | ||
| Average total assets | $167,269,667 | 3,231 |
| Average earning assets | $153,695,333 | 3,234 |
| Average equity | $15,993,667 | 3,240 |
| Average total loans | $111,529,000 | 3,090 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9989% | 1,059 |
| Cost of funding earning assets | 2.0955% | 1,781 |
| Net interest margin | 3.9033% | 1,221 |
| Noninterest income to average assets | 0.2800% | 3,064 |
| Noninterest expense to average assets | 2.6195% | 1,910 |
| Loan and lease loss provision to assets | -0.0100% | 4,190 |
| Net operating income to assets | 1.2593% | 1,307 |
| Return on assets (ROA) | 1.2593% | 1,319 |
| Pretax return on assets | 1.2593% | 1,733 |
| Return on Equity (ROE) | 13.1400% | 1,311 |
| Retained earnings to average equity (ytd only) | -0.1505% | 3,747 |
| Net charge-offs to loans | 0.0110% | 1,684 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 173.0000% | 458 |
| Efficiency ratio | 60.0994% | 3,254 |
| Assets per employee ($millions) | 5.7698% | 3,022 |
| Cash dividends to net income (ytd only)* | 101.1450% | 507 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0456% | 3,072 |
| Loan loss allowance to noncurrent loans | 1,345.9770% | 650 |
| Noncurrent assets plus other real estate owned to assets | 0.0520% | 3,325 |
| Noncurrent loans to loans | 0.0777% | 3,234 |
| Net loans and leases to total assets | 66.2300% | 2,215 |
| Net loans and leases to deposits | 75.4173% | 2,481 |
| Net loans and leases to core deposits | 88.3272% | 2,150 |
| Total domestic deposits to total assets | 87.8200% | 1,487 |
| Equity capital to assets | 9.4571% | 2,348 |
| Core capital (leverage) ratio | 8.3131% | 4,187 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7711% | 2,328 |
| Memoranda: | ||
| Average total assets | $166,446,000 | 3,239 |
| Average earning assets | $152,895,500 | 3,250 |
| Average equity | $15,946,500 | 3,250 |
| Average total loans | $108,923,000 | 3,127 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1514% | 1,757 |
| Cost of funding earning assets | 1.0143% | 3,264 |
| Net interest margin | 4.1370% | 1,024 |
| Noninterest income to average assets | 0.3200% | 2,981 |
| Noninterest expense to average assets | 2.6025% | 1,990 |
| Loan and lease loss provision to assets | 0.0800% | 1,564 |
| Net operating income to assets | 1.4536% | 1,116 |
| Return on assets (ROA) | 1.4536% | 1,082 |
| Pretax return on assets | 1.4536% | 1,525 |
| Return on Equity (ROE) | 15.2600% | 1,236 |
| Retained earnings to average equity (ytd only) | 6.5152% | 2,055 |
| Net charge-offs to loans | 0.0455% | 1,433 |
| Credit loss provision to net charge-offs | 243.1818% | 1,096 |
| Earnings coverage of net charge-offs (x) | 56.4545% | 1,225 |
| Efficiency ratio | 55.5788% | 3,539 |
| Assets per employee ($millions) | 5.1740% | 3,501 |
| Cash dividends to net income (ytd only)* | 57.3129% | 1,305 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1091% | 2,785 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 63.2200% | 2,543 |
| Net loans and leases to deposits | 70.3298% | 2,872 |
| Net loans and leases to core deposits | 72.5632% | 3,151 |
| Total domestic deposits to total assets | 89.8900% | 788 |
| Equity capital to assets | 9.7054% | 2,195 |
| Core capital (leverage) ratio | 8.7636% | 3,926 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1684% | 2,185 |
| Memoranda: | ||
| Average total assets | $161,804,600 | 3,263 |
| Average earning assets | $149,164,600 | 3,256 |
| Average equity | $15,410,200 | 3,229 |
| Average total loans | $96,707,400 | 3,212 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0136% | 1,801 |
| Cost of funding earning assets | 0.8172% | 3,480 |
| Net interest margin | 4.1965% | 928 |
| Noninterest income to average assets | 0.3100% | 3,041 |
| Noninterest expense to average assets | 2.5760% | 2,013 |
| Loan and lease loss provision to assets | 0.1100% | 1,081 |
| Net operating income to assets | 1.4878% | 1,150 |
| Return on assets (ROA) | 1.4878% | 1,129 |
| Pretax return on assets | 1.4878% | 1,582 |
| Return on Equity (ROE) | 15.7000% | 1,305 |
| Retained earnings to average equity (ytd only) | 8.1333% | 1,915 |
| Net charge-offs to loans | 0.0551% | 1,117 |
| Credit loss provision to net charge-offs | 305.1282% | 875 |
| Earnings coverage of net charge-offs (x) | 49.5641% | 1,321 |
| Efficiency ratio | 54.3543% | 3,561 |
| Assets per employee ($millions) | 4.4565% | 3,966 |
| Cash dividends to net income (ytd only)* | 48.1894% | 1,324 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1875% | 2,427 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 63.5400% | 2,500 |
| Net loans and leases to deposits | 70.6581% | 2,798 |
| Net loans and leases to core deposits | 78.6738% | 2,701 |
| Total domestic deposits to total assets | 89.9200% | 960 |
| Equity capital to assets | 9.5418% | 2,073 |
| Core capital (leverage) ratio | 8.4958% | 4,151 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8392% | 1,952 |
| Memoranda: | ||
| Average total assets | $160,863,750 | 3,283 |
| Average earning assets | $148,152,750 | 3,278 |
| Average equity | $15,245,500 | 3,233 |
| Average total loans | $94,421,750 | 3,240 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7309% | 2,145 |
| Cost of funding earning assets | 0.6216% | 3,703 |
| Net interest margin | 4.1093% | 1,074 |
| Noninterest income to average assets | 0.3200% | 2,963 |
| Noninterest expense to average assets | 2.4752% | 2,276 |
| Loan and lease loss provision to assets | 0.0200% | 2,476 |
| Net operating income to assets | 1.6013% | 946 |
| Return on assets (ROA) | 1.6013% | 947 |
| Pretax return on assets | 1.6013% | 1,415 |
| Return on Equity (ROE) | 16.9300% | 1,111 |
| Retained earnings to average equity (ytd only) | 8.5251% | 1,809 |
| Net charge-offs to loans | 0.0087% | 1,881 |
| Credit loss provision to net charge-offs | 225.0000% | 995 |
| Earnings coverage of net charge-offs (x) | 330.2500% | 420 |
| Efficiency ratio | 53.0012% | 3,697 |
| Assets per employee ($millions) | 5.7692% | 2,912 |
| Cash dividends to net income (ytd only)* | 49.6541% | 1,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1800% | 2,544 |
| Loan loss allowance to noncurrent loans | 3,487.5000% | 359 |
| Noncurrent assets plus other real estate owned to assets | 0.0191% | 3,638 |
| Noncurrent loans to loans | 0.0338% | 3,496 |
| Net loans and leases to total assets | 55.8600% | 3,133 |
| Net loans and leases to deposits | 62.9323% | 3,256 |
| Net loans and leases to core deposits | 69.9528% | 3,135 |
| Total domestic deposits to total assets | 88.7600% | 1,326 |
| Equity capital to assets | 9.1263% | 2,426 |
| Core capital (leverage) ratio | 8.8244% | 3,903 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4945% | 2,097 |
| Memoranda: | ||
| Average total assets | $162,492,667 | 3,267 |
| Average earning assets | $149,613,000 | 3,274 |
| Average equity | $15,366,333 | 3,241 |
| Average total loans | $92,464,333 | 3,263 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8162% | 1,590 |
| Cost of funding earning assets | 0.4865% | 3,741 |
| Net interest margin | 4.3297% | 772 |
| Noninterest income to average assets | 0.3100% | 2,990 |
| Noninterest expense to average assets | 2.4257% | 2,453 |
| Loan and lease loss provision to assets | 0.0900% | 1,196 |
| Net operating income to assets | 1.7737% | 708 |
| Return on assets (ROA) | 1.7737% | 702 |
| Pretax return on assets | 1.7737% | 1,121 |
| Return on Equity (ROE) | 18.3500% | 979 |
| Retained earnings to average equity (ytd only) | 10.3618% | 1,613 |
| Net charge-offs to loans | 0.0044% | 1,818 |
| Credit loss provision to net charge-offs | 3,500.0000% | 126 |
| Earnings coverage of net charge-offs (x) | 745.0000% | 152 |
| Efficiency ratio | 49.4755% | 3,983 |
| Assets per employee ($millions) | 5.6740% | 3,048 |
| Cash dividends to net income (ytd only)* | 43.5211% | 1,361 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1389% | 2,859 |
| Loan loss allowance to noncurrent loans | 3,020.0000% | 429 |
| Noncurrent assets plus other real estate owned to assets | 0.0228% | 3,566 |
| Noncurrent loans to loans | 0.0377% | 3,479 |
| Net loans and leases to total assets | 59.8900% | 2,663 |
| Net loans and leases to deposits | 66.7576% | 2,868 |
| Net loans and leases to core deposits | 74.6659% | 2,629 |
| Total domestic deposits to total assets | 89.7100% | 1,260 |
| Equity capital to assets | 10.1032% | 1,765 |
| Core capital (leverage) ratio | 8.0928% | 4,388 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3114% | 2,263 |
| Memoranda: | ||
| Average total assets | $160,115,500 | 3,337 |
| Average earning assets | $147,169,000 | 3,341 |
| Average equity | $15,480,000 | 3,266 |
| Average total loans | $91,410,000 | 3,311 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5088% | 4,504 |
| Cost of funding earning assets | 0.1106% | 4,336 |
| Net interest margin | 2.3982% | 4,363 |
| Noninterest income to average assets | 0.2000% | 3,947 |
| Noninterest expense to average assets | 1.4336% | 4,486 |
| Loan and lease loss provision to assets | 0.1100% | 1,145 |
| Net operating income to assets | 0.8918% | 2,999 |
| Return on assets (ROA) | 0.8918% | 2,932 |
| Pretax return on assets | 0.8918% | 3,382 |
| Return on Equity (ROE) | 10.6500% | 2,591 |
| Retained earnings to average equity (ytd only) | 10.6547% | 968 |
| Net charge-offs to loans | 0.0150% | 1,825 |
| Credit loss provision to net charge-offs | 1,400.0000% | 345 |
| Earnings coverage of net charge-offs (x) | 129.3333% | 854 |
| Efficiency ratio | 51.3370% | 4,043 |
| Assets per employee ($millions) | 6.6813% | 2,196 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1733% | 4,583 |
| Loan loss allowance to noncurrent loans | 433.3333% | 1,761 |
| Noncurrent assets plus other real estate owned to assets | 0.0216% | 3,628 |
| Noncurrent loans to loans | 0.0400% | 3,485 |
| Net loans and leases to total assets | 53.8000% | 3,219 |
| Net loans and leases to deposits | 59.3505% | 3,373 |
| Net loans and leases to core deposits | 60.9553% | 3,453 |
| Total domestic deposits to total assets | 90.6400% | 1,088 |
| Equity capital to assets | 9.2689% | 2,181 |
| Core capital (leverage) ratio | 8.1143% | 4,360 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0218% | 2,365 |
| Memoranda: | ||
| Average total assets | $155,199,800 | 3,390 |
| Average earning assets | $144,689,200 | 3,381 |
| Average equity | $12,989,600 | 3,571 |
| Average total loans | $79,973,400 | 3,419 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8261% | 4,633 |
| Cost of funding earning assets | 0.0702% | 4,477 |
| Net interest margin | 1.7560% | 4,610 |
| Noninterest income to average assets | 0.2000% | 3,989 |
| Noninterest expense to average assets | 1.0352% | 4,665 |
| Loan and lease loss provision to assets | 0.1100% | 969 |
| Net operating income to assets | 0.6954% | 3,579 |
| Return on assets (ROA) | 0.6954% | 3,541 |
| Pretax return on assets | 0.6954% | 3,808 |
| Return on Equity (ROE) | 8.5600% | 3,162 |
| Retained earnings to average equity (ytd only) | 8.5605% | 1,806 |
| Net charge-offs to loans | 0.0138% | 1,608 |
| Credit loss provision to net charge-offs | 1,612.5000% | 291 |
| Earnings coverage of net charge-offs (x) | 115.3750% | 869 |
| Efficiency ratio | 48.2660% | 4,259 |
| Assets per employee ($millions) | 6.6990% | 2,164 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1412% | 4,628 |
| 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 | 53.2200% | 3,164 |
| Net loans and leases to deposits | 58.5490% | 3,309 |
| Net loans and leases to core deposits | 59.5684% | 3,413 |
| Total domestic deposits to total assets | 90.9000% | 1,280 |
| Equity capital to assets | 8.9721% | 2,233 |
| Core capital (leverage) ratio | 7.4938% | 4,577 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8995% | 2,514 |
| Memoranda: | ||
| Average total assets | $152,241,750 | 3,449 |
| Average earning assets | $142,521,250 | 3,419 |
| Average equity | $12,366,500 | 3,672 |
| Average total loans | $77,463,750 | 3,465 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.6228% | 4,755 |
| Cost of funding earning assets | 0.0256% | 4,704 |
| Net interest margin | 0.5972% | 4,752 |
| Noninterest income to average assets | 0.0549% | 4,616 |
| Noninterest expense to average assets | 0.3133% | 4,766 |
| Loan and lease loss provision to assets | 0.0187% | 2,267 |
| Net operating income to assets | 0.2851% | 4,315 |
| Return on assets (ROA) | 0.2851% | 4,264 |
| Pretax return on assets | 0.2851% | 4,315 |
| Return on Equity (ROE) | 3.6472% | 4,107 |
| Retained earnings to average equity (ytd only) | 3.6472% | 3,220 |
| Net charge-offs to loans | 0.0054% | 1,815 |
| Credit loss provision to net charge-offs | 700.0000% | 514 |
| Earnings coverage of net charge-offs (x) | 113.5000% | 760 |
| Efficiency ratio | 50.7592% | 4,205 |
| Assets per employee ($millions) | 6.1736% | 2,591 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0156% | 4,718 |
| 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 | 48.0422% | 3,551 |
| Net loans and leases to deposits | 53.1927% | 3,591 |
| Net loans and leases to core deposits | 54.1687% | 3,684 |
| Total domestic deposits to total assets | 90.3173% | 1,571 |
| Equity capital to assets | 9.5743% | 1,957 |
| Core capital (leverage) ratio | 7.2206% | 4,630 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4760% | 2,684 |
| Memoranda: | ||
| Average total assets | $149,396,667 | 3,508 |
| Average earning assets | $140,657,000 | 3,486 |
| Average equity | $11,680,333 | 3,816 |
| Average total loans | $74,722,333 | 3,537 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0417% | 3,132 |
| Cost of funding earning assets | 0.1691% | 3,232 |
| Net interest margin | 2.8726% | 2,918 |
| Noninterest income to average assets | 0.3643% | 2,906 |
| Noninterest expense to average assets | 2.1802% | 2,895 |
| Loan and lease loss provision to assets | 0.0890% | 930 |
| Net operating income to assets | 0.6285% | 3,305 |
| Return on assets (ROA) | 0.6285% | 3,285 |
| Pretax return on assets | 0.8343% | 2,999 |
| Return on Equity (ROE) | 9.1903% | 2,250 |
| Retained earnings to average equity (ytd only) | -10.9795% | 4,579 |
| Net charge-offs to loans | 0.0272% | 1,047 |
| Credit loss provision to net charge-offs | 640.0000% | 449 |
| Earnings coverage of net charge-offs (x) | 66.4000% | 816 |
| Efficiency ratio | 70.2509% | 2,194 |
| Assets per employee ($millions) | 5.2607% | 3,537 |
| Cash dividends to net income (ytd only)* | 219.4690% | 180 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9672% | 3,849 |
| Loan loss allowance to noncurrent loans | 441.8182% | 1,625 |
| Noncurrent assets plus other real estate owned to assets | 0.1206% | 2,973 |
| Noncurrent loans to loans | 0.2189% | 2,720 |
| Net loans and leases to total assets | 54.5753% | 2,681 |
| Net loans and leases to deposits | 58.6488% | 3,020 |
| Net loans and leases to core deposits | 59.8738% | 3,160 |
| Total domestic deposits to total assets | 93.0544% | 259 |
| Equity capital to assets | 6.7379% | 4,326 |
| Core capital (leverage) ratio | 7.1139% | 4,670 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2372% | 2,100 |
| Memoranda: | ||
| Average total assets | $143,838,500 | 3,578 |
| Average earning assets | $137,159,500 | 3,534 |
| Average equity | $9,836,500 | 4,073 |
| Average total loans | $73,520,500 | 3,561 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6572% | 2,230 |
| Cost of funding earning assets | 0.2131% | 3,339 |
| Net interest margin | 3.4441% | 1,894 |
| Noninterest income to average assets | 0.4784% | 2,682 |
| Noninterest expense to average assets | 2.3936% | 2,509 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.0212% | 2,587 |
| Return on assets (ROA) | 1.0212% | 2,666 |
| Pretax return on assets | 1.3298% | 2,266 |
| Return on Equity (ROE) | 13.3608% | 1,356 |
| Retained earnings to average equity (ytd only) | 8.6536% | 1,297 |
| Net charge-offs to loans | 0.0096% | 2,209 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 245.0000% | 469 |
| Efficiency ratio | 64.2857% | 2,515 |
| Assets per employee ($millions) | 5.5889% | 3,172 |
| Cash dividends to net income (ytd only)* | 35.2316% | 2,280 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9796% | 3,829 |
| Loan loss allowance to noncurrent loans | 988.7324% | 870 |
| Noncurrent assets plus other real estate owned to assets | 0.0471% | 3,663 |
| Noncurrent loans to loans | 0.0991% | 3,436 |
| Net loans and leases to total assets | 47.0268% | 3,599 |
| Net loans and leases to deposits | 50.6257% | 3,841 |
| Net loans and leases to core deposits | 51.5813% | 3,920 |
| Total domestic deposits to total assets | 92.8913% | 54 |
| Equity capital to assets | 6.9298% | 4,734 |
| Core capital (leverage) ratio | 7.5342% | 4,601 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5719% | 1,660 |
| Memoranda: | ||
| Average total assets | $128,970,400 | 3,693 |
| Average earning assets | $121,513,400 | 3,671 |
| Average equity | $9,857,200 | 4,145 |
| Average total loans | $72,771,200 | 3,604 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8679% | 1,863 |
| Cost of funding earning assets | 0.2347% | 3,265 |
| Net interest margin | 3.6332% | 1,511 |
| Noninterest income to average assets | 0.5139% | 2,562 |
| Noninterest expense to average assets | 2.5103% | 2,090 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.0700% | 2,652 |
| Return on assets (ROA) | 1.0700% | 2,717 |
| Pretax return on assets | 1.4133% | 2,280 |
| Return on Equity (ROE) | 13.6115% | 1,511 |
| Retained earnings to average equity (ytd only) | 7.2384% | 2,332 |
| Net charge-offs to loans | 0.0055% | 2,129 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 436.3333% | 334 |
| Efficiency ratio | 63.9791% | 2,388 |
| Assets per employee ($millions) | 5.2192% | 3,482 |
| Cash dividends to net income (ytd only)* | 46.8214% | 1,327 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9443% | 4,023 |
| Loan loss allowance to noncurrent loans | 954.0541% | 818 |
| Noncurrent assets plus other real estate owned to assets | 0.0545% | 3,768 |
| Noncurrent loans to loans | 0.0990% | 3,588 |
| Net loans and leases to total assets | 54.5734% | 2,899 |
| Net loans and leases to deposits | 59.2269% | 3,307 |
| Net loans and leases to core deposits | 60.4802% | 3,442 |
| Total domestic deposits to total assets | 92.1428% | 99 |
| Equity capital to assets | 7.5845% | 4,684 |
| Core capital (leverage) ratio | 7.6825% | 4,630 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7209% | 2,083 |
| Memoranda: | ||
| Average total assets | $123,488,250 | 3,802 |
| Average earning assets | $115,891,000 | 3,778 |
| Average equity | $9,707,250 | 4,225 |
| Average total loans | $73,047,750 | 3,648 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9335% | 1,731 |
| Cost of funding earning assets | 0.2457% | 3,316 |
| Net interest margin | 3.6878% | 1,380 |
| Noninterest income to average assets | 0.6264% | 2,099 |
| Noninterest expense to average assets | 2.5758% | 1,925 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.1305% | 2,435 |
| Return on assets (ROA) | 1.1305% | 2,501 |
| Pretax return on assets | 1.4939% | 2,033 |
| Return on Equity (ROE) | 14.1921% | 1,354 |
| Retained earnings to average equity (ytd only) | 4.4363% | 3,385 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2922% | 2,522 |
| Assets per employee ($millions) | 5.1456% | 3,513 |
| Cash dividends to net income (ytd only)* | 68.7407% | 716 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9940% | 3,841 |
| Loan loss allowance to noncurrent loans | 920.7792% | 787 |
| Noncurrent assets plus other real estate owned to assets | 0.0599% | 3,830 |
| Noncurrent loans to loans | 0.1080% | 3,645 |
| Net loans and leases to total assets | 54.8970% | 3,034 |
| Net loans and leases to deposits | 59.6721% | 3,418 |
| Net loans and leases to core deposits | 61.0041% | 3,544 |
| Total domestic deposits to total assets | 91.9978% | 124 |
| Equity capital to assets | 7.7651% | 4,647 |
| Core capital (leverage) ratio | 7.9103% | 4,502 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1753% | 1,911 |
| Memoranda: | ||
| Average total assets | $119,418,333 | 3,863 |
| Average earning assets | $111,503,333 | 3,846 |
| Average equity | $9,512,333 | 4,260 |
| Average total loans | $72,476,667 | 3,678 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0748% | 1,446 |
| Cost of funding earning assets | 0.2631% | 3,345 |
| Net interest margin | 3.8117% | 1,110 |
| Noninterest income to average assets | 0.7804% | 1,636 |
| Noninterest expense to average assets | 2.6827% | 1,659 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.2334% | 2,036 |
| Return on assets (ROA) | 1.2334% | 2,122 |
| Pretax return on assets | 1.6305% | 1,651 |
| Return on Equity (ROE) | 15.2685% | 1,157 |
| Retained earnings to average equity (ytd only) | -4.7444% | 4,687 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.1971% | 2,725 |
| Assets per employee ($millions) | 5.0681% | 3,571 |
| Cash dividends to net income (ytd only)* | 131.0734% | 283 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9585% | 3,993 |
| Loan loss allowance to noncurrent loans | 886.2500% | 751 |
| Noncurrent assets plus other real estate owned to assets | 0.0658% | 3,906 |
| Noncurrent loans to loans | 0.1082% | 3,767 |
| Net loans and leases to total assets | 60.2269% | 2,519 |
| Net loans and leases to deposits | 65.3514% | 2,994 |
| Net loans and leases to core deposits | 66.8879% | 3,165 |
| Total domestic deposits to total assets | 92.1585% | 116 |
| Equity capital to assets | 7.5579% | 4,689 |
| Core capital (leverage) ratio | 7.8680% | 4,632 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $114,808,000 | 3,915 |
| Average earning assets | $106,409,000 | 3,918 |
| Average equity | $9,274,000 | 4,300 |
| Average total loans | $73,051,000 | 3,683 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6358% | 1,030 |
| Cost of funding earning assets | 0.4236% | 3,438 |
| Net interest margin | 4.2122% | 618 |
| Noninterest income to average assets | 0.9247% | 1,205 |
| Noninterest expense to average assets | 3.1444% | 1,155 |
| Loan and lease loss provision to assets | 0.1078% | 2,993 |
| Net operating income to assets | 1.2421% | 1,409 |
| Return on assets (ROA) | 1.2421% | 1,515 |
| Pretax return on assets | 1.6073% | 1,061 |
| Return on Equity (ROE) | 13.9237% | 833 |
| Retained earnings to average equity (ytd only) | 8.3018% | 969 |
| Net charge-offs to loans | 0.0921% | 1,532 |
| Credit loss provision to net charge-offs | 168.2540% | 2,328 |
| Earnings coverage of net charge-offs (x) | 26.7619% | 1,704 |
| Efficiency ratio | 64.7059% | 2,720 |
| Assets per employee ($millions) | 3.9993% | 4,378 |
| Cash dividends to net income (ytd only)* | 40.3767% | 2,349 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9829% | 3,928 |
| Loan loss allowance to noncurrent loans | 662.6168% | 928 |
| Noncurrent assets plus other real estate owned to assets | 0.1195% | 3,690 |
| Noncurrent loans to loans | 0.1483% | 3,693 |
| Net loans and leases to total assets | 66.1477% | 2,082 |
| Net loans and leases to deposits | 72.6423% | 2,622 |
| Net loans and leases to core deposits | 74.3962% | 2,877 |
| Total domestic deposits to total assets | 91.0595% | 210 |
| Equity capital to assets | 8.6636% | 4,329 |
| Core capital (leverage) ratio | 8.4878% | 4,216 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $98,302,600 | 4,020 |
| Average earning assets | $91,828,400 | 4,004 |
| Average equity | $8,769,200 | 4,340 |
| Average total loans | $68,390,800 | 3,768 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7300% | 1,001 |
| Cost of funding earning assets | 0.4576% | 3,481 |
| Net interest margin | 4.2724% | 625 |
| Noninterest income to average assets | 0.7801% | 1,576 |
| Noninterest expense to average assets | 3.1607% | 1,141 |
| Loan and lease loss provision to assets | 0.1199% | 2,825 |
| Net operating income to assets | 1.1250% | 1,898 |
| Return on assets (ROA) | 1.1250% | 2,017 |
| Pretax return on assets | 1.4851% | 1,476 |
| Return on Equity (ROE) | 12.5092% | 1,244 |
| Retained earnings to average equity (ytd only) | 4.8862% | 2,607 |
| Net charge-offs to loans | 0.1245% | 1,133 |
| Credit loss provision to net charge-offs | 136.5079% | 2,407 |
| Earnings coverage of net charge-offs (x) | 18.3175% | 1,964 |
| Efficiency ratio | 66.3262% | 2,429 |
| Assets per employee ($millions) | 4.2647% | 4,078 |
| Cash dividends to net income (ytd only)* | 60.9394% | 1,099 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9773% | 3,793 |
| Loan loss allowance to noncurrent loans | 222.9773% | 2,031 |
| Noncurrent assets plus other real estate owned to assets | 0.3133% | 2,905 |
| Noncurrent loans to loans | 0.4383% | 2,743 |
| Net loans and leases to total assets | 65.4796% | 2,581 |
| Net loans and leases to deposits | 71.6545% | 3,165 |
| Net loans and leases to core deposits | 73.6013% | 3,349 |
| Total domestic deposits to total assets | 91.3823% | 113 |
| Equity capital to assets | 8.4020% | 4,517 |
| Core capital (leverage) ratio | 8.4000% | 4,387 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $95,883,000 | 4,050 |
| Average earning assets | $89,440,750 | 4,030 |
| Average equity | $8,622,750 | 4,374 |
| Average total loans | $67,454,500 | 3,798 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9187% | 942 |
| Cost of funding earning assets | 0.5129% | 3,458 |
| Net interest margin | 4.4059% | 607 |
| Noninterest income to average assets | 0.7779% | 1,497 |
| Noninterest expense to average assets | 3.2111% | 1,142 |
| Loan and lease loss provision to assets | 0.0867% | 3,198 |
| Net operating income to assets | 1.1917% | 1,663 |
| Return on assets (ROA) | 1.1917% | 1,792 |
| Pretax return on assets | 1.5752% | 1,279 |
| Return on Equity (ROE) | 12.9245% | 1,115 |
| Retained earnings to average equity (ytd only) | 1.3394% | 3,993 |
| Net charge-offs to loans | 0.1927% | 797 |
| Credit loss provision to net charge-offs | 62.5000% | 2,576 |
| Earnings coverage of net charge-offs (x) | 11.9844% | 2,080 |
| Efficiency ratio | 65.8960% | 2,530 |
| Assets per employee ($millions) | 3.9712% | 4,343 |
| Cash dividends to net income (ytd only)* | 89.6364% | 591 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9570% | 3,765 |
| Loan loss allowance to noncurrent loans | 125.8824% | 2,890 |
| Noncurrent assets plus other real estate owned to assets | 0.5389% | 2,199 |
| Noncurrent loans to loans | 0.7602% | 1,982 |
| Net loans and leases to total assets | 66.9286% | 2,505 |
| Net loans and leases to deposits | 73.6325% | 3,112 |
| Net loans and leases to core deposits | 75.4494% | 3,335 |
| Total domestic deposits to total assets | 90.8954% | 171 |
| Equity capital to assets | 8.7420% | 4,323 |
| Core capital (leverage) ratio | 8.8158% | 4,099 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $92,304,667 | 4,091 |
| Average earning assets | $85,795,000 | 4,085 |
| Average equity | $8,511,000 | 4,404 |
| Average total loans | $66,438,667 | 3,827 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0994% | 794 |
| Cost of funding earning assets | 0.5974% | 3,450 |
| Net interest margin | 4.5021% | 500 |
| Noninterest income to average assets | 0.9097% | 1,049 |
| Noninterest expense to average assets | 3.4858% | 958 |
| Loan and lease loss provision to assets | 0.0180% | 3,567 |
| Net operating income to assets | 1.1935% | 1,538 |
| Return on assets (ROA) | 1.1935% | 1,651 |
| Pretax return on assets | 1.5808% | 1,110 |
| Return on Equity (ROE) | 12.5786% | 964 |
| Retained earnings to average equity (ytd only) | -10.8224% | 4,792 |
| Net charge-offs to loans | 0.3328% | 437 |
| Credit loss provision to net charge-offs | 7.2727% | 2,235 |
| Earnings coverage of net charge-offs (x) | 6.4545% | 1,986 |
| Efficiency ratio | 68.5562% | 2,578 |
| Assets per employee ($millions) | 3.6318% | 4,349 |
| Cash dividends to net income (ytd only)* | 186.0377% | 346 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9478% | 3,941 |
| Loan loss allowance to noncurrent loans | 117.8161% | 2,983 |
| Noncurrent assets plus other real estate owned to assets | 0.6025% | 2,196 |
| Noncurrent loans to loans | 0.8045% | 1,999 |
| Net loans and leases to total assets | 70.7891% | 2,122 |
| Net loans and leases to deposits | 78.4238% | 2,843 |
| Net loans and leases to core deposits | 83.7324% | 2,872 |
| Total domestic deposits to total assets | 90.2649% | 250 |
| Equity capital to assets | 9.2087% | 4,460 |
| Core capital (leverage) ratio | 9.2103% | 4,263 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $88,817,500 | 4,141 |
| Average earning assets | $82,362,000 | 4,135 |
| Average equity | $8,427,000 | 4,437 |
| Average total loans | $66,114,000 | 3,844 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3807% | 697 |
| Cost of funding earning assets | 0.5075% | 4,056 |
| Net interest margin | 4.8732% | 348 |
| Noninterest income to average assets | 0.6982% | 1,827 |
| Noninterest expense to average assets | 3.6746% | 785 |
| Loan and lease loss provision to assets | 0.0174% | 3,667 |
| Net operating income to assets | 1.1304% | 2,336 |
| Return on assets (ROA) | 1.1304% | 2,432 |
| Pretax return on assets | 1.5021% | 1,806 |
| Return on Equity (ROE) | 12.1116% | 1,468 |
| Retained earnings to average equity (ytd only) | 7.8919% | 1,009 |
| Net charge-offs to loans | 0.0305% | 2,788 |
| Credit loss provision to net charge-offs | 75.0000% | 2,851 |
| Earnings coverage of net charge-offs (x) | 65.4000% | 928 |
| Efficiency ratio | 70.7448% | 2,061 |
| Assets per employee ($millions) | 3.1014% | 4,763 |
| Cash dividends to net income (ytd only)* | 34.8407% | 2,859 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9890% | 3,582 |
| Loan loss allowance to noncurrent loans | 141.1017% | 2,692 |
| Noncurrent assets plus other real estate owned to assets | 0.6218% | 2,026 |
| Noncurrent loans to loans | 0.7009% | 2,124 |
| Net loans and leases to total assets | 76.7780% | 1,292 |
| Net loans and leases to deposits | 85.4828% | 2,156 |
| Net loans and leases to core deposits | 91.8932% | 2,241 |
| Total domestic deposits to total assets | 89.8169% | 384 |
| Equity capital to assets | 9.7801% | 4,122 |
| Core capital (leverage) ratio | 9.4669% | 4,095 |
| Tier 1 risk-based capital ratio | 13.3332% | 3,616 |
| Total risk-based capital ratio | 14.3895% | 3,605 |
| Memoranda: | ||
| Average total assets | $86,077,200 | 4,200 |
| Average earning assets | $79,413,800 | 4,196 |
| Average equity | $8,033,600 | 4,504 |
| Average total loans | $65,605,000 | 3,866 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3693% | 747 |
| Cost of funding earning assets | 0.4685% | 4,268 |
| Net interest margin | 4.9008% | 341 |
| Noninterest income to average assets | 0.6893% | 1,829 |
| Noninterest expense to average assets | 3.6932% | 754 |
| Loan and lease loss provision to assets | 0.0093% | 3,705 |
| Net operating income to assets | 1.1333% | 2,438 |
| Return on assets (ROA) | 1.1333% | 2,529 |
| Pretax return on assets | 1.5012% | 1,953 |
| Return on Equity (ROE) | 12.2912% | 1,516 |
| Retained earnings to average equity (ytd only) | 6.5834% | 2,068 |
| Net charge-offs to loans | 0.0593% | 1,972 |
| Credit loss provision to net charge-offs | 20.6897% | 2,963 |
| Earnings coverage of net charge-offs (x) | 33.5480% | 1,527 |
| Efficiency ratio | 70.9726% | 1,972 |
| Assets per employee ($millions) | 3.2163% | 4,741 |
| Cash dividends to net income (ytd only)* | 46.4384% | 1,856 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9819% | 3,673 |
| Loan loss allowance to noncurrent loans | 137.5796% | 2,772 |
| Noncurrent assets plus other real estate owned to assets | 0.5985% | 2,209 |
| Noncurrent loans to loans | 0.7137% | 2,178 |
| Net loans and leases to total assets | 72.5596% | 2,072 |
| Net loans and leases to deposits | 80.1238% | 2,884 |
| Net loans and leases to core deposits | 85.5570% | 2,944 |
| Total domestic deposits to total assets | 90.5593% | 161 |
| Equity capital to assets | 9.1598% | 4,691 |
| Core capital (leverage) ratio | 9.2520% | 4,424 |
| Tier 1 risk-based capital ratio | 13.0033% | 3,844 |
| Total risk-based capital ratio | 14.0354% | 3,859 |
| Memoranda: | ||
| Average total assets | $85,886,500 | 4,256 |
| Average earning assets | $79,114,500 | 4,256 |
| Average equity | $7,918,750 | 4,570 |
| Average total loans | $65,171,250 | 3,929 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3640% | 721 |
| Cost of funding earning assets | 0.4170% | 4,442 |
| Net interest margin | 4.9471% | 323 |
| Noninterest income to average assets | 0.6770% | 1,804 |
| Noninterest expense to average assets | 3.7635% | 693 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.1054% | 2,504 |
| Return on assets (ROA) | 1.1054% | 2,574 |
| Pretax return on assets | 1.4628% | 1,980 |
| Return on Equity (ROE) | 11.9611% | 1,592 |
| Retained earnings to average equity (ytd only) | 3.2784% | 3,584 |
| Net charge-offs to loans | 0.1294% | 1,166 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 14.7143% | 2,017 |
| Efficiency ratio | 72.0109% | 1,917 |
| Assets per employee ($millions) | 2.9358% | 4,945 |
| Cash dividends to net income (ytd only)* | 72.5910% | 1,022 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9485% | 3,882 |
| Loan loss allowance to noncurrent loans | 195.3416% | 2,187 |
| Noncurrent assets plus other real estate owned to assets | 0.8010% | 1,754 |
| Noncurrent loans to loans | 0.4855% | 2,829 |
| Net loans and leases to total assets | 77.1538% | 1,365 |
| Net loans and leases to deposits | 85.6696% | 2,292 |
| Net loans and leases to core deposits | 89.6740% | 2,624 |
| Total domestic deposits to total assets | 90.0598% | 315 |
| Equity capital to assets | 9.3764% | 4,521 |
| Core capital (leverage) ratio | 9.4656% | 4,179 |
| Tier 1 risk-based capital ratio | 12.6873% | 4,022 |
| Total risk-based capital ratio | 13.6973% | 4,040 |
| Memoranda: | ||
| Average total assets | $84,496,330 | 4,301 |
| Average earning assets | $77,702,670 | 4,298 |
| Average equity | $7,808,670 | 4,608 |
| Average total loans | $64,897,330 | 3,957 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3613% | 678 |
| Cost of funding earning assets | 0.3989% | 4,490 |
| Net interest margin | 4.9625% | 302 |
| Noninterest income to average assets | 0.7318% | 1,494 |
| Noninterest expense to average assets | 3.7683% | 680 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.1500% | 2,271 |
| Return on assets (ROA) | 1.1500% | 2,321 |
| Pretax return on assets | 1.5159% | 1,714 |
| Return on Equity (ROE) | 12.5364% | 1,375 |
| Retained earnings to average equity (ytd only) | -5.0249% | 4,927 |
| Net charge-offs to loans | 0.0062% | 2,473 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 319.0000% | 256 |
| Efficiency ratio | 71.3129% | 2,144 |
| Assets per employee ($millions) | 2.8873% | 5,031 |
| Cash dividends to net income (ytd only)* | 140.0826% | 367 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0373% | 3,482 |
| Loan loss allowance to noncurrent loans | 219.6721% | 2,032 |
| Noncurrent assets plus other real estate owned to assets | 0.7584% | 1,858 |
| Noncurrent loans to loans | 0.4722% | 2,901 |
| Net loans and leases to total assets | 76.3433% | 1,423 |
| Net loans and leases to deposits | 84.6080% | 2,313 |
| Net loans and leases to core deposits | 86.6706% | 2,809 |
| Total domestic deposits to total assets | 90.2318% | 372 |
| Equity capital to assets | 9.2081% | 4,524 |
| Core capital (leverage) ratio | 8.9580% | 4,682 |
| Tier 1 risk-based capital ratio | 12.5540% | 4,132 |
| Total risk-based capital ratio | 13.6499% | 4,099 |
| Memoranda: | ||
| Average total assets | $84,175,000 | 4,351 |
| Average earning assets | $77,219,500 | 4,352 |
| Average equity | $7,721,500 | 4,651 |
| Average total loans | $64,187,500 | 4,003 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0620% | 925 |
| Cost of funding earning assets | 0.4284% | 3,811 |
| Net interest margin | 4.6336% | 562 |
| Noninterest income to average assets | 0.9895% | 964 |
| Noninterest expense to average assets | 4.0364% | 508 |
| Loan and lease loss provision to assets | 0.0012% | 4,069 |
| Net operating income to assets | 0.9145% | 3,386 |
| Return on assets (ROA) | 0.9145% | 3,373 |
| Pretax return on assets | 1.2202% | 2,810 |
| Return on Equity (ROE) | 10.5755% | 2,259 |
| Retained earnings to average equity (ytd only) | 5.3893% | 2,540 |
| Net charge-offs to loans | 0.1884% | 1,021 |
| Credit loss provision to net charge-offs | 0.8403% | 3,451 |
| Earnings coverage of net charge-offs (x) | 8.7647% | 2,865 |
| Efficiency ratio | 76.7706% | 1,256 |
| Assets per employee ($millions) | 2.6443% | 5,158 |
| Cash dividends to net income (ytd only)* | 49.0397% | 2,018 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0520% | 3,367 |
| Loan loss allowance to noncurrent loans | 215.7556% | 2,120 |
| Noncurrent assets plus other real estate owned to assets | 0.7717% | 1,812 |
| Noncurrent loans to loans | 0.4876% | 2,814 |
| Net loans and leases to total assets | 74.5825% | 1,823 |
| Net loans and leases to deposits | 82.5175% | 2,675 |
| Net loans and leases to core deposits | 84.4995% | 3,035 |
| Total domestic deposits to total assets | 90.3840% | 355 |
| Equity capital to assets | 9.1386% | 4,459 |
| Core capital (leverage) ratio | 8.9838% | 4,668 |
| Tier 1 risk-based capital ratio | 12.8460% | 3,939 |
| Total risk-based capital ratio | 13.9549% | 3,898 |
| Memoranda: | ||
| Average total assets | $85,398,400 | 4,336 |
| Average earning assets | $78,664,800 | 4,336 |
| Average equity | $7,385,000 | 4,692 |
| Average total loans | $63,179,400 | 4,018 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9303% | 1,092 |
| Cost of funding earning assets | 0.4322% | 3,651 |
| Net interest margin | 4.4980% | 744 |
| Noninterest income to average assets | 1.0141% | 933 |
| Noninterest expense to average assets | 4.1124% | 451 |
| Loan and lease loss provision to assets | 0.0016% | 3,928 |
| Net operating income to assets | 0.7976% | 3,909 |
| Return on assets (ROA) | 0.7976% | 3,918 |
| Pretax return on assets | 1.0499% | 3,577 |
| Return on Equity (ROE) | 9.3539% | 2,931 |
| Retained earnings to average equity (ytd only) | 2.3568% | 4,452 |
| Net charge-offs to loans | -0.0021% | 4,093 |
| Credit loss provision to net charge-offs | -100.0000% | 4,231 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.6380% | 983 |
| Assets per employee ($millions) | 2.5774% | 5,264 |
| Cash dividends to net income (ytd only)* | 74.8041% | 706 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2735% | 2,235 |
| Loan loss allowance to noncurrent loans | 82.9140% | 3,767 |
| Noncurrent assets plus other real estate owned to assets | 1.2655% | 1,090 |
| Noncurrent loans to loans | 1.5360% | 1,046 |
| Net loans and leases to total assets | 69.9744% | 2,651 |
| Net loans and leases to deposits | 76.6797% | 3,355 |
| Net loans and leases to core deposits | 78.7052% | 3,600 |
| Total domestic deposits to total assets | 91.2555% | 173 |
| Equity capital to assets | 8.4752% | 4,940 |
| Core capital (leverage) ratio | 8.7980% | 4,888 |
| Tier 1 risk-based capital ratio | 12.6033% | 4,156 |
| Total risk-based capital ratio | 13.8532% | 4,041 |
| Memoranda: | ||
| Average total assets | $85,593,250 | 4,380 |
| Average earning assets | $78,966,250 | 4,379 |
| Average equity | $7,298,000 | 4,752 |
| Average total loans | $63,028,750 | 4,067 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9383% | 945 |
| Cost of funding earning assets | 0.4424% | 3,406 |
| Net interest margin | 4.4959% | 707 |
| Noninterest income to average assets | 0.9468% | 1,062 |
| Noninterest expense to average assets | 4.1313% | 457 |
| Loan and lease loss provision to assets | 0.0024% | 3,756 |
| Net operating income to assets | 0.7254% | 4,117 |
| Return on assets (ROA) | 0.7254% | 4,124 |
| Pretax return on assets | 0.9539% | 3,791 |
| Return on Equity (ROE) | 8.4907% | 3,271 |
| Retained earnings to average equity (ytd only) | -2.0675% | 5,153 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.2037% | 899 |
| Assets per employee ($millions) | 2.4831% | 5,336 |
| Cash dividends to net income (ytd only)* | 124.3506% | 213 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2688% | 2,329 |
| Loan loss allowance to noncurrent loans | 120.9801% | 3,132 |
| Noncurrent assets plus other real estate owned to assets | 0.9949% | 1,513 |
| Noncurrent loans to loans | 1.0487% | 1,673 |
| Net loans and leases to total assets | 72.8156% | 2,147 |
| Net loans and leases to deposits | 79.8711% | 2,967 |
| Net loans and leases to core deposits | 82.3622% | 3,212 |
| Total domestic deposits to total assets | 91.1663% | 212 |
| Equity capital to assets | 8.6015% | 4,874 |
| Core capital (leverage) ratio | 8.6950% | 4,962 |
| Tier 1 risk-based capital ratio | 12.2565% | 4,337 |
| Total risk-based capital ratio | 13.5074% | 4,213 |
| Memoranda: | ||
| Average total assets | $84,913,670 | 4,428 |
| Average earning assets | $78,205,330 | 4,433 |
| Average equity | $7,255,000 | 4,808 |
| Average total loans | $63,334,670 | 4,089 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8893% | 891 |
| Cost of funding earning assets | 0.4491% | 3,206 |
| Net interest margin | 4.4401% | 701 |
| Noninterest income to average assets | 1.0005% | 908 |
| Noninterest expense to average assets | 4.0631% | 490 |
| Loan and lease loss provision to assets | 0.0047% | 3,445 |
| Net operating income to assets | 0.7703% | 3,828 |
| Return on assets (ROA) | 0.7703% | 3,827 |
| Pretax return on assets | 1.0193% | 3,468 |
| Return on Equity (ROE) | 9.0464% | 2,890 |
| Retained earnings to average equity (ytd only) | -12.0803% | 5,408 |
| Net charge-offs to loans | 0.0063% | 2,512 |
| Credit loss provision to net charge-offs | 100.0000% | 1,540 |
| Earnings coverage of net charge-offs (x) | 218.0000% | 310 |
| Efficiency ratio | 79.8707% | 1,154 |
| Assets per employee ($millions) | 2.4262% | 5,411 |
| Cash dividends to net income (ytd only)* | 233.5366% | 144 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2493% | 2,525 |
| Loan loss allowance to noncurrent loans | 355.4054% | 1,452 |
| Noncurrent assets plus other real estate owned to assets | 0.4816% | 2,927 |
| Noncurrent loans to loans | 0.3515% | 3,512 |
| Net loans and leases to total assets | 73.4458% | 1,959 |
| Net loans and leases to deposits | 80.5799% | 2,742 |
| Net loans and leases to core deposits | 83.0720% | 3,060 |
| Total domestic deposits to total assets | 91.1466% | 273 |
| Equity capital to assets | 8.3964% | 5,050 |
| Core capital (leverage) ratio | 8.4083% | 5,200 |
| Tier 1 risk-based capital ratio | 12.4238% | 4,292 |
| Total risk-based capital ratio | 13.6738% | 4,187 |
| Memoranda: | ||
| Average total assets | $85,157,000 | 4,471 |
| Average earning assets | $78,376,000 | 4,485 |
| Average equity | $7,251,500 | 4,861 |
| Average total loans | $63,869,000 | 4,106 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1289% | 501 |
| Cost of funding earning assets | 0.5208% | 2,172 |
| Net interest margin | 4.6080% | 495 |
| Noninterest income to average assets | 2.0872% | 278 |
| Noninterest expense to average assets | 4.5699% | 298 |
| Loan and lease loss provision to assets | 0.1358% | 1,690 |
| Net operating income to assets | 0.9359% | 2,513 |
| Return on assets (ROA) | 0.9161% | 2,645 |
| Pretax return on assets | 1.4927% | 1,669 |
| Return on Equity (ROE) | 10.9769% | 1,497 |
| Retained earnings to average equity (ytd only) | 9.1926% | 473 |
| Net charge-offs to loans | 0.1281% | 1,761 |
| Credit loss provision to net charge-offs | 134.1176% | 1,974 |
| Earnings coverage of net charge-offs (x) | 16.3882% | 2,183 |
| Efficiency ratio | 73.3601% | 2,004 |
| Assets per employee ($millions) | 2.5878% | 5,420 |
| Cash dividends to net income (ytd only)* | 16.2549% | 3,780 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2217% | 2,656 |
| Loan loss allowance to noncurrent loans | 178.1038% | 2,490 |
| Noncurrent assets plus other real estate owned to assets | 0.6405% | 2,409 |
| Noncurrent loans to loans | 0.6860% | 2,501 |
| Net loans and leases to total assets | 74.7005% | 1,808 |
| Net loans and leases to deposits | 82.1437% | 2,704 |
| Net loans and leases to core deposits | 84.6677% | 3,010 |
| Total domestic deposits to total assets | 90.9388% | 253 |
| Equity capital to assets | 8.6338% | 5,005 |
| Core capital (leverage) ratio | 8.5604% | 5,086 |
| Tier 1 risk-based capital ratio | 12.8060% | 4,034 |
| Total risk-based capital ratio | 14.0563% | 3,928 |
| Memoranda: | ||
| Average total assets | $83,940,400 | 4,514 |
| Average earning assets | $75,455,200 | 4,553 |
| Average equity | $7,005,600 | 4,936 |
| Average total loans | $66,339,600 | 4,042 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1717% | 440 |
| Cost of funding earning assets | 0.5286% | 2,046 |
| Net interest margin | 4.6431% | 455 |
| Noninterest income to average assets | 2.4376% | 233 |
| Noninterest expense to average assets | 4.7205% | 263 |
| Loan and lease loss provision to assets | 0.1819% | 1,092 |
| Net operating income to assets | 1.0786% | 2,185 |
| Return on assets (ROA) | 1.0449% | 2,392 |
| Pretax return on assets | 1.6304% | 1,312 |
| Return on Equity (ROE) | 12.6315% | 1,141 |
| Retained earnings to average equity (ytd only) | 10.2209% | 539 |
| Net charge-offs to loans | 0.1278% | 1,508 |
| Credit loss provision to net charge-offs | 178.1250% | 1,485 |
| Earnings coverage of net charge-offs (x) | 18.2659% | 2,061 |
| Efficiency ratio | 71.6812% | 2,249 |
| Assets per employee ($millions) | 2.3338% | 5,565 |
| Cash dividends to net income (ytd only)* | 19.0837% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2296% | 2,743 |
| Loan loss allowance to noncurrent loans | 130.2251% | 3,061 |
| Noncurrent assets plus other real estate owned to assets | 0.8303% | 2,073 |
| Noncurrent loans to loans | 0.9442% | 2,030 |
| Net loans and leases to total assets | 75.3486% | 1,695 |
| Net loans and leases to deposits | 82.6369% | 2,703 |
| Net loans and leases to core deposits | 86.0865% | 2,956 |
| Total domestic deposits to total assets | 91.1803% | 146 |
| Equity capital to assets | 8.4121% | 5,338 |
| Core capital (leverage) ratio | 8.4242% | 5,299 |
| Tier 1 risk-based capital ratio | 11.7641% | 4,794 |
| Total risk-based capital ratio | 13.0135% | 4,665 |
| Memoranda: | ||
| Average total assets | $83,576,250 | 4,568 |
| Average earning assets | $74,660,250 | 4,617 |
| Average equity | $6,913,750 | 5,008 |
| Average total loans | $66,779,250 | 4,065 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1530% | 429 |
| Cost of funding earning assets | 0.5320% | 1,896 |
| Net interest margin | 4.6210% | 463 |
| Noninterest income to average assets | 2.0739% | 299 |
| Noninterest expense to average assets | 4.5592% | 300 |
| Loan and lease loss provision to assets | 0.2009% | 914 |
| Net operating income to assets | 0.9344% | 2,745 |
| Return on assets (ROA) | 0.8833% | 3,060 |
| Pretax return on assets | 1.3745% | 2,123 |
| Return on Equity (ROE) | 10.7448% | 1,739 |
| Retained earnings to average equity (ytd only) | 7.0651% | 1,568 |
| Net charge-offs to loans | 0.1521% | 1,243 |
| Credit loss provision to net charge-offs | 162.7451% | 1,446 |
| Earnings coverage of net charge-offs (x) | 13.4118% | 2,135 |
| Efficiency ratio | 73.3645% | 2,116 |
| Assets per employee ($millions) | 2.2452% | 5,631 |
| Cash dividends to net income (ytd only)* | 34.2466% | 2,616 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1830% | 3,121 |
| Loan loss allowance to noncurrent loans | 168.8699% | 2,549 |
| Noncurrent assets plus other real estate owned to assets | 1.8965% | 699 |
| Noncurrent loans to loans | 0.7006% | 2,652 |
| Net loans and leases to total assets | 77.5400% | 1,310 |
| Net loans and leases to deposits | 84.7270% | 2,380 |
| Net loans and leases to core deposits | 88.6997% | 2,641 |
| Total domestic deposits to total assets | 91.5174% | 128 |
| Equity capital to assets | 8.1731% | 5,462 |
| Core capital (leverage) ratio | 8.5003% | 5,217 |
| Tier 1 risk-based capital ratio | 11.0702% | 5,213 |
| Total risk-based capital ratio | 12.3200% | 5,113 |
| Memoranda: | ||
| Average total assets | $82,646,330 | 4,617 |
| Average earning assets | $74,054,000 | 4,657 |
| Average equity | $6,794,000 | 5,056 |
| Average total loans | $67,080,670 | 4,080 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1526% | 408 |
| Cost of funding earning assets | 0.5462% | 1,739 |
| Net interest margin | 4.6064% | 439 |
| Noninterest income to average assets | 1.5645% | 459 |
| Noninterest expense to average assets | 4.5656% | 315 |
| Loan and lease loss provision to assets | 0.2903% | 483 |
| Net operating income to assets | 0.5335% | 4,449 |
| Return on assets (ROA) | 0.4280% | 4,884 |
| Pretax return on assets | 0.6543% | 4,583 |
| Return on Equity (ROE) | 5.1940% | 4,304 |
| Retained earnings to average equity (ytd only) | -2.2687% | 5,194 |
| Net charge-offs to loans | 0.2085% | 838 |
| Credit loss provision to net charge-offs | 168.5714% | 1,129 |
| Earnings coverage of net charge-offs (x) | 6.4286% | 2,215 |
| Efficiency ratio | 80.4857% | 1,322 |
| Assets per employee ($millions) | 2.3544% | 5,672 |
| Cash dividends to net income (ytd only)* | 143.6782% | 416 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1790% | 3,263 |
| Loan loss allowance to noncurrent loans | 177.3756% | 2,495 |
| Noncurrent assets plus other real estate owned to assets | 1.9052% | 718 |
| Noncurrent loans to loans | 0.6647% | 2,843 |
| Net loans and leases to total assets | 79.7415% | 869 |
| Net loans and leases to deposits | 87.1996% | 1,892 |
| Net loans and leases to core deposits | 91.9074% | 2,171 |
| Total domestic deposits to total assets | 91.4471% | 184 |
| Equity capital to assets | 8.1124% | 5,466 |
| Core capital (leverage) ratio | 8.2823% | 5,389 |
| Tier 1 risk-based capital ratio | 10.4366% | 5,571 |
| Total risk-based capital ratio | 11.6610% | 5,503 |
| Memoranda: | ||
| Average total assets | $81,304,500 | 4,690 |
| Average earning assets | $72,507,500 | 4,730 |
| Average equity | $6,700,000 | 5,119 |
| Average total loans | $67,148,000 | 4,110 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3415% | 331 |
| Cost of funding earning assets | 0.6027% | 1,311 |
| Net interest margin | 4.7388% | 396 |
| Noninterest income to average assets | 2.0847% | 330 |
| Noninterest expense to average assets | 4.8712% | 277 |
| Loan and lease loss provision to assets | 0.2187% | 1,011 |
| Net operating income to assets | 0.8807% | 2,928 |
| Return on assets (ROA) | 0.7582% | 3,611 |
| Pretax return on assets | 0.9494% | 3,660 |
| Return on Equity (ROE) | 9.5747% | 2,155 |
| Retained earnings to average equity (ytd only) | 7.2596% | 1,129 |
| Net charge-offs to loans | 0.0736% | 2,647 |
| Credit loss provision to net charge-offs | 371.1111% | 845 |
| Earnings coverage of net charge-offs (x) | 22.4222% | 1,733 |
| Efficiency ratio | 78.6636% | 1,597 |
| Assets per employee ($millions) | 2.2915% | 5,741 |
| Cash dividends to net income (ytd only)* | 24.1796% | 3,560 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1209% | 3,602 |
| Loan loss allowance to noncurrent loans | 53.4459% | 4,613 |
| Noncurrent assets plus other real estate owned to assets | 2.2829% | 551 |
| Noncurrent loans to loans | 2.0973% | 837 |
| Net loans and leases to total assets | 83.5881% | 423 |
| Net loans and leases to deposits | 91.8030% | 1,480 |
| Net loans and leases to core deposits | 96.9375% | 1,840 |
| Total domestic deposits to total assets | 91.0516% | 262 |
| Equity capital to assets | 8.3724% | 5,369 |
| Core capital (leverage) ratio | 8.3101% | 5,430 |
| Tier 1 risk-based capital ratio | 10.5106% | 5,569 |
| Total risk-based capital ratio | 11.6991% | 5,537 |
| Memoranda: | ||
| Average total assets | $76,366,800 | 4,807 |
| Average earning assets | $66,198,200 | 4,887 |
| Average equity | $6,047,200 | 5,272 |
| Average total loans | $61,106,400 | 4,257 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3760% | 313 |
| Cost of funding earning assets | 0.6120% | 1,254 |
| Net interest margin | 4.7640% | 388 |
| Noninterest income to average assets | 2.2084% | 309 |
| Noninterest expense to average assets | 4.8818% | 289 |
| Loan and lease loss provision to assets | 0.1238% | 1,881 |
| Net operating income to assets | 0.9935% | 2,466 |
| Return on assets (ROA) | 0.9177% | 2,942 |
| Pretax return on assets | 1.1793% | 2,918 |
| Return on Equity (ROE) | 11.7679% | 1,400 |
| Retained earnings to average equity (ytd only) | 10.7929% | 446 |
| Net charge-offs to loans | 0.0875% | 2,089 |
| Credit loss provision to net charge-offs | 179.4872% | 1,563 |
| Earnings coverage of net charge-offs (x) | 20.3071% | 1,881 |
| Efficiency ratio | 77.7090% | 1,728 |
| Assets per employee ($millions) | 2.2726% | 5,810 |
| Cash dividends to net income (ytd only)* | 8.2849% | 3,590 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0173% | 4,314 |
| Loan loss allowance to noncurrent loans | 139.0852% | 2,942 |
| Noncurrent assets plus other real estate owned to assets | 1.0964% | 1,858 |
| Noncurrent loans to loans | 0.7314% | 2,844 |
| Net loans and leases to total assets | 79.5619% | 953 |
| Net loans and leases to deposits | 86.6173% | 2,197 |
| Net loans and leases to core deposits | 91.0009% | 2,479 |
| Total domestic deposits to total assets | 91.8546% | 83 |
| Equity capital to assets | 7.5404% | 5,838 |
| Core capital (leverage) ratio | 7.9910% | 5,694 |
| Tier 1 risk-based capital ratio | 9.9061% | 5,816 |
| Total risk-based capital ratio | 10.9731% | 5,829 |
| Memoranda: | ||
| Average total assets | $75,407,500 | 4,862 |
| Average earning assets | $64,482,000 | 4,972 |
| Average equity | $5,880,250 | 5,356 |
| Average total loans | $59,432,750 | 4,349 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6114% | 211 |
| Cost of funding earning assets | 0.6328% | 1,128 |
| Net interest margin | 4.9786% | 266 |
| Noninterest income to average assets | 1.8561% | 387 |
| Noninterest expense to average assets | 4.9487% | 278 |
| Loan and lease loss provision to assets | 0.0682% | 2,774 |
| Net operating income to assets | 0.7685% | 3,457 |
| Return on assets (ROA) | 0.6742% | 4,072 |
| Pretax return on assets | 0.9390% | 3,807 |
| Return on Equity (ROE) | 8.5408% | 2,728 |
| Retained earnings to average equity (ytd only) | 7.0539% | 1,574 |
| Net charge-offs to loans | 0.1361% | 1,516 |
| Credit loss provision to net charge-offs | 64.1026% | 2,532 |
| Earnings coverage of net charge-offs (x) | 10.6923% | 2,313 |
| Efficiency ratio | 81.3004% | 1,351 |
| Assets per employee ($millions) | 2.0933% | 5,921 |
| Cash dividends to net income (ytd only)* | 17.4089% | 3,269 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0417% | 4,271 |
| Loan loss allowance to noncurrent loans | 162.0779% | 2,712 |
| Noncurrent assets plus other real estate owned to assets | 1.0629% | 2,000 |
| Noncurrent loans to loans | 0.6427% | 3,149 |
| Net loans and leases to total assets | 78.6608% | 1,117 |
| Net loans and leases to deposits | 85.8256% | 2,268 |
| Net loans and leases to core deposits | 90.2954% | 2,507 |
| Total domestic deposits to total assets | 91.6520% | 113 |
| Equity capital to assets | 7.8305% | 5,855 |
| Core capital (leverage) ratio | 7.9491% | 5,754 |
| Tier 1 risk-based capital ratio | 10.0577% | 5,835 |
| Total risk-based capital ratio | 11.1145% | 5,846 |
| Memoranda: | ||
| Average total assets | $73,272,330 | 4,952 |
| Average earning assets | $62,266,330 | 5,066 |
| Average equity | $5,784,000 | 5,425 |
| Average total loans | $57,323,330 | 4,423 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5654% | 234 |
| Cost of funding earning assets | 0.6520% | 1,041 |
| Net interest margin | 4.9134% | 304 |
| Noninterest income to average assets | 1.3014% | 646 |
| Noninterest expense to average assets | 4.7460% | 333 |
| Loan and lease loss provision to assets | 0.0111% | 3,548 |
| Net operating income to assets | 0.5095% | 4,592 |
| Return on assets (ROA) | 0.5095% | 4,699 |
| Pretax return on assets | 0.6756% | 4,605 |
| Return on Equity (ROE) | 6.4274% | 3,769 |
| Retained earnings to average equity (ytd only) | 6.4274% | 2,177 |
| Net charge-offs to loans | 0.2784% | 760 |
| Credit loss provision to net charge-offs | 5.1282% | 2,394 |
| Earnings coverage of net charge-offs (x) | 3.1795% | 2,577 |
| Efficiency ratio | 87.3598% | 862 |
| Assets per employee ($millions) | 2.0640% | 5,982 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0717% | 4,212 |
| Loan loss allowance to noncurrent loans | 106.5603% | 3,506 |
| Noncurrent assets plus other real estate owned to assets | 1.3929% | 1,491 |
| Noncurrent loans to loans | 1.0057% | 2,372 |
| Net loans and leases to total assets | 74.6652% | 1,622 |
| Net loans and leases to deposits | 81.2180% | 2,644 |
| Net loans and leases to core deposits | 85.1573% | 2,830 |
| Total domestic deposits to total assets | 91.9319% | 115 |
| Equity capital to assets | 7.7478% | 5,896 |
| Core capital (leverage) ratio | 8.1088% | 5,716 |
| Tier 1 risk-based capital ratio | 10.4878% | 5,757 |
| Total risk-based capital ratio | 11.5695% | 5,745 |
| Memoranda: | ||
| Average total assets | $72,229,000 | 5,016 |
| Average earning assets | $60,732,000 | 5,138 |
| Average equity | $5,725,500 | 5,468 |
| Average total loans | $56,034,000 | 4,498 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7368% | 188 |
| Cost of funding earning assets | 0.6489% | 1,081 |
| Net interest margin | 5.0879% | 213 |
| Noninterest income to average assets | 1.7775% | 421 |
| Noninterest expense to average assets | 4.7868% | 330 |
| Loan and lease loss provision to assets | 0.1935% | 1,138 |
| Net operating income to assets | 0.8268% | 3,212 |
| Return on assets (ROA) | 0.8268% | 3,289 |
| Pretax return on assets | 1.3241% | 2,183 |
| Return on Equity (ROE) | 10.0751% | 1,983 |
| Retained earnings to average equity (ytd only) | 9.4305% | 551 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.9290% | 2,284 |
| Assets per employee ($millions) | 2.1923% | 5,999 |
| Cash dividends to net income (ytd only)* | 6.3985% | 4,151 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1396% | 3,806 |
| Loan loss allowance to noncurrent loans | 69.6507% | 4,392 |
| Noncurrent assets plus other real estate owned to assets | 1.5480% | 1,285 |
| Noncurrent loans to loans | 1.6361% | 1,395 |
| Net loans and leases to total assets | 78.8976% | 1,006 |
| Net loans and leases to deposits | 86.1825% | 2,111 |
| Net loans and leases to core deposits | 101.5280% | 1,402 |
| Total domestic deposits to total assets | 91.5470% | 169 |
| Equity capital to assets | 8.1165% | 5,803 |
| Core capital (leverage) ratio | 8.2194% | 5,679 |
| Tier 1 risk-based capital ratio | 10.7173% | 5,660 |
| Total risk-based capital ratio | 11.9093% | 5,615 |
| Memoranda: | ||
| Average total assets | $66,160,600 | 5,177 |
| Average earning assets | $58,865,400 | 5,218 |
| Average equity | $5,429,200 | 5,555 |
| Average total loans | $54,389,800 | 4,547 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7291% | 189 |
| Cost of funding earning assets | 0.6444% | 1,126 |
| Net interest margin | 5.0847% | 215 |
| Noninterest income to average assets | 1.6737% | 463 |
| Noninterest expense to average assets | 4.7675% | 346 |
| Loan and lease loss provision to assets | 0.1494% | 1,457 |
| Net operating income to assets | 0.8348% | 3,254 |
| Return on assets (ROA) | 0.8348% | 3,337 |
| Pretax return on assets | 1.3259% | 2,298 |
| Return on Equity (ROE) | 10.1434% | 2,050 |
| Retained earnings to average equity (ytd only) | 9.2732% | 804 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.3684% | 2,185 |
| Assets per employee ($millions) | 2.1993% | 6,084 |
| Cash dividends to net income (ytd only)* | 8.5792% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0326% | 4,563 |
| Loan loss allowance to noncurrent loans | 219.1729% | 2,095 |
| Noncurrent assets plus other real estate owned to assets | 0.6778% | 3,219 |
| Noncurrent loans to loans | 0.4711% | 3,945 |
| Net loans and leases to total assets | 79.3992% | 897 |
| Net loans and leases to deposits | 86.5400% | 2,088 |
| Net loans and leases to core deposits | 88.2819% | 2,634 |
| Total domestic deposits to total assets | 91.7486% | 119 |
| Equity capital to assets | 7.8990% | 5,992 |
| Core capital (leverage) ratio | 8.1446% | 5,816 |
| Tier 1 risk-based capital ratio | 10.5798% | 5,847 |
| Total risk-based capital ratio | 11.6821% | 5,841 |
| Memoranda: | ||
| Average total assets | $65,162,500 | 5,265 |
| Average earning assets | $58,553,500 | 5,290 |
| Average equity | $5,363,000 | 5,638 |
| Average total loans | $53,990,500 | 4,603 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7145% | 189 |
| Cost of funding earning assets | 0.6396% | 1,169 |
| Net interest margin | 5.0750% | 217 |
| Noninterest income to average assets | 1.6587% | 484 |
| Noninterest expense to average assets | 4.7962% | 337 |
| Loan and lease loss provision to assets | 0.1829% | 1,119 |
| Net operating income to assets | 0.8325% | 3,204 |
| Return on assets (ROA) | 0.8325% | 3,321 |
| Pretax return on assets | 1.3086% | 2,327 |
| Return on Equity (ROE) | 9.9666% | 2,084 |
| Retained earnings to average equity (ytd only) | 8.6453% | 1,027 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2788% | 2,313 |
| Assets per employee ($millions) | 2.2772% | 6,137 |
| Cash dividends to net income (ytd only)* | 13.2576% | 3,385 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0143% | 4,799 |
| Loan loss allowance to noncurrent loans | 213.5338% | 2,138 |
| Noncurrent assets plus other real estate owned to assets | 0.7223% | 3,222 |
| Noncurrent loans to loans | 0.4750% | 4,051 |
| Net loans and leases to total assets | 83.9385% | 381 |
| Net loans and leases to deposits | 93.1678% | 1,236 |
| Net loans and leases to core deposits | 95.7028% | 1,829 |
| Total domestic deposits to total assets | 90.0939% | 617 |
| Equity capital to assets | 8.1950% | 5,883 |
| Core capital (leverage) ratio | 8.3480% | 5,675 |
| Tier 1 risk-based capital ratio | 10.4828% | 5,928 |
| Total risk-based capital ratio | 11.5749% | 5,932 |
| Memoranda: | ||
| Average total assets | $63,424,670 | 5,358 |
| Average earning assets | $57,852,670 | 5,369 |
| Average equity | $5,297,670 | 5,707 |
| Average total loans | $53,167,000 | 4,669 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7221% | 187 |
| Cost of funding earning assets | 0.6428% | 1,166 |
| Net interest margin | 5.0792% | 216 |
| Noninterest income to average assets | 1.5068% | 537 |
| Noninterest expense to average assets | 4.6879% | 377 |
| Loan and lease loss provision to assets | 0.2576% | 629 |
| Net operating income to assets | 0.7792% | 3,369 |
| Return on assets (ROA) | 0.7792% | 3,503 |
| Pretax return on assets | 1.1913% | 2,707 |
| Return on Equity (ROE) | 9.2358% | 2,346 |
| Retained earnings to average equity (ytd only) | 9.2358% | 1,120 |
| Net charge-offs to loans | 0.0464% | 2,330 |
| Credit loss provision to net charge-offs | 666.6667% | 440 |
| Earnings coverage of net charge-offs (x) | 37.5000% | 1,016 |
| Efficiency ratio | 76.3903% | 2,452 |
| Assets per employee ($millions) | 2.2471% | 6,215 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0179% | 4,928 |
| Loan loss allowance to noncurrent loans | 202.2305% | 2,195 |
| Noncurrent assets plus other real estate owned to assets | 0.8598% | 2,929 |
| Noncurrent loans to loans | 0.5033% | 4,071 |
| Net loans and leases to total assets | 84.0779% | 303 |
| Net loans and leases to deposits | 93.4482% | 1,038 |
| Net loans and leases to core deposits | 99.8660% | 1,330 |
| Total domestic deposits to total assets | 89.9728% | 752 |
| Equity capital to assets | 8.4331% | 5,782 |
| Core capital (leverage) ratio | 8.5254% | 5,497 |
| Tier 1 risk-based capital ratio | 10.2848% | 6,083 |
| Total risk-based capital ratio | 11.3318% | 6,096 |
| Memoranda: | ||
| Average total assets | $62,117,000 | 5,448 |
| Average earning assets | $56,623,000 | 5,453 |
| Average equity | $5,240,500 | 5,773 |
| Average total loans | $51,750,000 | 4,745 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6366% | 253 |
| Cost of funding earning assets | 0.6810% | 1,205 |
| Net interest margin | 4.9556% | 325 |
| Noninterest income to average assets | 0.7081% | 2,264 |
| Noninterest expense to average assets | 3.3789% | 1,743 |
| Loan and lease loss provision to assets | 0.1512% | 1,735 |
| Net operating income to assets | 1.0088% | 2,338 |
| Return on assets (ROA) | 1.0088% | 2,420 |
| Pretax return on assets | 1.6430% | 1,114 |
| Return on Equity (ROE) | 11.9265% | 1,431 |
| Retained earnings to average equity (ytd only) | 8.2693% | 925 |
| Net charge-offs to loans | 0.1017% | 3,054 |
| Credit loss provision to net charge-offs | 187.2340% | 1,309 |
| Earnings coverage of net charge-offs (x) | 22.2128% | 1,636 |
| Efficiency ratio | 65.3156% | 4,356 |
| Assets per employee ($millions) | 2.7870% | 5,946 |
| Cash dividends to net income (ytd only)* | 30.6644% | 3,359 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0189% | 4,952 |
| Loan loss allowance to noncurrent loans | 169.4352% | 2,560 |
| Noncurrent assets plus other real estate owned to assets | 0.8937% | 2,973 |
| Noncurrent loans to loans | 0.6013% | 3,867 |
| Net loans and leases to total assets | 80.8040% | 638 |
| Net loans and leases to deposits | 88.6664% | 1,655 |
| Net loans and leases to core deposits | 94.6925% | 1,849 |
| Total domestic deposits to total assets | 91.1327% | 328 |
| Equity capital to assets | 8.4400% | 5,801 |
| Core capital (leverage) ratio | 8.5311% | 5,523 |
| Tier 1 risk-based capital ratio | 11.1969% | 5,820 |
| Total risk-based capital ratio | 12.2902% | 5,833 |
| Memoranda: | ||
| Average total assets | $58,185,400 | 5,596 |
| Average earning assets | $52,425,200 | 5,611 |
| Average equity | $4,921,800 | 5,876 |
| Average total loans | $46,227,600 | 4,943 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5931% | 277 |
| Cost of funding earning assets | 0.6827% | 1,241 |
| Net interest margin | 4.9104% | 343 |
| Noninterest income to average assets | 0.5040% | 3,522 |
| Noninterest expense to average assets | 3.1728% | 2,257 |
| Loan and lease loss provision to assets | 0.1788% | 1,375 |
| Net operating income to assets | 0.9825% | 2,527 |
| Return on assets (ROA) | 0.9825% | 2,596 |
| Pretax return on assets | 1.5794% | 1,394 |
| Return on Equity (ROE) | 11.6083% | 1,593 |
| Retained earnings to average equity (ytd only) | 6.6685% | 1,999 |
| Net charge-offs to loans | 0.1384% | 2,414 |
| Credit loss provision to net charge-offs | 163.8298% | 1,489 |
| Earnings coverage of net charge-offs (x) | 16.1052% | 2,005 |
| Efficiency ratio | 64.3429% | 4,488 |
| Assets per employee ($millions) | 2.8746% | 5,880 |
| Cash dividends to net income (ytd only)* | 42.5522% | 2,230 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0038% | 5,199 |
| Loan loss allowance to noncurrent loans | 164.6865% | 2,515 |
| Noncurrent assets plus other real estate owned to assets | 0.9111% | 3,168 |
| Noncurrent loans to loans | 0.6095% | 4,102 |
| Net loans and leases to total assets | 81.5211% | 558 |
| Net loans and leases to deposits | 89.2409% | 1,516 |
| Net loans and leases to core deposits | 95.9092% | 1,680 |
| Total domestic deposits to total assets | 91.3494% | 269 |
| Equity capital to assets | 8.3010% | 5,940 |
| Core capital (leverage) ratio | 8.4321% | 5,725 |
| Tier 1 risk-based capital ratio | 11.3611% | 5,853 |
| Total risk-based capital ratio | 12.4818% | 5,847 |
| Memoranda: | ||
| Average total assets | $57,403,000 | 5,677 |
| Average earning assets | $51,752,750 | 5,687 |
| Average equity | $4,858,500 | 5,950 |
| Average total loans | $45,270,750 | 5,037 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5268% | 295 |
| Cost of funding earning assets | 0.6918% | 1,231 |
| Net interest margin | 4.8350% | 387 |
| Noninterest income to average assets | 0.2659% | 5,301 |
| Noninterest expense to average assets | 2.9496% | 3,001 |
| Loan and lease loss provision to assets | 0.1595% | 1,557 |
| Net operating income to assets | 0.9288% | 2,665 |
| Return on assets (ROA) | 0.9288% | 2,768 |
| Pretax return on assets | 1.4925% | 1,561 |
| Return on Equity (ROE) | 10.8993% | 1,773 |
| Retained earnings to average equity (ytd only) | 3.4112% | 4,031 |
| Net charge-offs to loans | 0.1827% | 1,930 |
| Credit loss provision to net charge-offs | 112.5000% | 1,790 |
| Earnings coverage of net charge-offs (x) | 11.6500% | 2,137 |
| Efficiency ratio | 64.0986% | 4,673 |
| Assets per employee ($millions) | 2.9443% | 5,828 |
| Cash dividends to net income (ytd only)* | 68.7023% | 1,202 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0480% | 5,128 |
| Loan loss allowance to noncurrent loans | 171.7391% | 2,427 |
| Noncurrent assets plus other real estate owned to assets | 1.3637% | 2,401 |
| Noncurrent loans to loans | 0.6103% | 4,197 |
| Net loans and leases to total assets | 75.9994% | 1,167 |
| Net loans and leases to deposits | 83.1608% | 2,125 |
| Net loans and leases to core deposits | 89.7501% | 2,149 |
| Total domestic deposits to total assets | 91.3884% | 284 |
| Equity capital to assets | 8.3059% | 5,949 |
| Core capital (leverage) ratio | 8.5761% | 5,552 |
| Tier 1 risk-based capital ratio | 11.5025% | 5,796 |
| Total risk-based capital ratio | 12.6157% | 5,819 |
| Memoranda: | ||
| Average total assets | $56,415,330 | 5,751 |
| Average earning assets | $50,589,670 | 5,768 |
| Average equity | $4,807,670 | 6,007 |
| Average total loans | $43,791,000 | 5,133 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4764% | 299 |
| Cost of funding earning assets | 0.6826% | 1,345 |
| Net interest margin | 4.7938% | 389 |
| Noninterest income to average assets | 0.2392% | 5,445 |
| Noninterest expense to average assets | 2.7546% | 3,728 |
| Loan and lease loss provision to assets | 0.1232% | 1,957 |
| Net operating income to assets | 1.0874% | 1,862 |
| Return on assets (ROA) | 1.0874% | 1,925 |
| Pretax return on assets | 1.7398% | 895 |
| Return on Equity (ROE) | 12.5892% | 1,261 |
| Retained earnings to average equity (ytd only) | -2.5178% | 5,914 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6546% | 5,446 |
| Assets per employee ($millions) | 3.2904% | 5,360 |
| Cash dividends to net income (ytd only)* | 120.0000% | 535 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1384% | 4,930 |
| Loan loss allowance to noncurrent loans | 68.4507% | 4,543 |
| Noncurrent assets plus other real estate owned to assets | 2.2043% | 1,501 |
| Noncurrent loans to loans | 1.6631% | 2,329 |
| Net loans and leases to total assets | 75.4523% | 1,064 |
| Net loans and leases to deposits | 82.8215% | 1,967 |
| Net loans and leases to core deposits | 89.1303% | 1,989 |
| Total domestic deposits to total assets | 91.1023% | 534 |
| Equity capital to assets | 8.5097% | 5,649 |
| Core capital (leverage) ratio | 8.6905% | 5,393 |
| Tier 1 risk-based capital ratio | 12.1060% | 5,565 |
| Total risk-based capital ratio | 13.3355% | 5,521 |
| Memoranda: | ||
| Average total assets | $55,180,000 | 5,838 |
| Average earning assets | $50,398,500 | 5,825 |
| Average equity | $4,766,000 | 6,055 |
| Average total loans | $43,073,000 | 5,204 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5488% | 332 |
| Cost of funding earning assets | 0.7356% | 1,585 |
| Net interest margin | 4.8132% | 420 |
| Noninterest income to average assets | 0.2193% | 5,766 |
| Noninterest expense to average assets | 2.7289% | 3,994 |
| Loan and lease loss provision to assets | 0.2027% | 1,836 |
| Net operating income to assets | 1.0116% | 2,279 |
| Return on assets (ROA) | 1.0116% | 2,339 |
| Pretax return on assets | 1.6160% | 1,128 |
| Return on Equity (ROE) | 12.0712% | 1,395 |
| Retained earnings to average equity (ytd only) | 9.2568% | 721 |
| Net charge-offs to loans | 0.6566% | 990 |
| Credit loss provision to net charge-offs | 39.8551% | 4,052 |
| Earnings coverage of net charge-offs (x) | 3.5761% | 3,821 |
| Efficiency ratio | 60.0081% | 5,472 |
| Assets per employee ($millions) | 4.5353% | 2,843 |
| Cash dividends to net income (ytd only)* | 23.3151% | 3,584 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0793% | 5,247 |
| Loan loss allowance to noncurrent loans | 66.7141% | 4,598 |
| Noncurrent assets plus other real estate owned to assets | 2.6514% | 1,266 |
| Noncurrent loans to loans | 1.6178% | 2,479 |
| Net loans and leases to total assets | 78.9835% | 719 |
| Net loans and leases to deposits | 87.1998% | 1,554 |
| Net loans and leases to core deposits | 94.0674% | 1,599 |
| Total domestic deposits to total assets | 90.5777% | 767 |
| Equity capital to assets | 8.7682% | 5,290 |
| Core capital (leverage) ratio | 8.6717% | 5,445 |
| Tier 1 risk-based capital ratio | 12.0811% | 5,574 |
| Total risk-based capital ratio | 13.2576% | 5,548 |
| Memoranda: | ||
| Average total assets | $54,270,600 | 5,911 |
| Average earning assets | $48,803,600 | 5,925 |
| Average equity | $4,548,000 | 6,187 |
| Average total loans | $42,035,600 | 5,265 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5496% | 343 |
| Cost of funding earning assets | 0.7525% | 1,587 |
| Net interest margin | 4.7971% | 430 |
| Noninterest income to average assets | 0.3172% | 5,163 |
| Noninterest expense to average assets | 2.6650% | 4,144 |
| Loan and lease loss provision to assets | 0.2286% | 1,581 |
| Net operating income to assets | 1.0522% | 2,176 |
| Return on assets (ROA) | 1.0522% | 2,259 |
| Pretax return on assets | 1.6865% | 1,129 |
| Return on Equity (ROE) | 12.7037% | 1,316 |
| Retained earnings to average equity (ytd only) | 8.9045% | 1,084 |
| Net charge-offs to loans | 0.8861% | 654 |
| Credit loss provision to net charge-offs | 33.5740% | 3,830 |
| Earnings coverage of net charge-offs (x) | 2.8123% | 3,897 |
| Efficiency ratio | 58.1857% | 5,662 |
| Assets per employee ($millions) | 4.2870% | 3,256 |
| Cash dividends to net income (ytd only)* | 29.9062% | 2,697 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0542% | 5,511 |
| Loan loss allowance to noncurrent loans | 82.0000% | 3,994 |
| Noncurrent assets plus other real estate owned to assets | 2.4062% | 1,612 |
| Noncurrent loans to loans | 1.2856% | 3,259 |
| Net loans and leases to total assets | 75.9559% | 1,009 |
| Net loans and leases to deposits | 83.2992% | 1,965 |
| Net loans and leases to core deposits | 89.2118% | 2,049 |
| Total domestic deposits to total assets | 91.1844% | 462 |
| Equity capital to assets | 8.3562% | 5,871 |
| Core capital (leverage) ratio | 8.3602% | 5,901 |
| Tier 1 risk-based capital ratio | 11.8078% | 5,897 |
| Total risk-based capital ratio | 12.9420% | 5,914 |
| Memoranda: | ||
| Average total assets | $54,232,250 | 5,981 |
| Average earning assets | $48,194,750 | 6,000 |
| Average equity | $4,492,000 | 6,288 |
| Average total loans | $41,680,750 | 5,327 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4922% | 376 |
| Cost of funding earning assets | 0.7653% | 1,617 |
| Net interest margin | 4.7269% | 484 |
| Noninterest income to average assets | 0.3462% | 4,922 |
| Noninterest expense to average assets | 2.6278% | 4,289 |
| Loan and lease loss provision to assets | 0.2494% | 1,495 |
| Net operating income to assets | 1.0199% | 2,243 |
| Return on assets (ROA) | 1.0199% | 2,364 |
| Pretax return on assets | 1.6303% | 1,275 |
| Return on Equity (ROE) | 12.3507% | 1,390 |
| Retained earnings to average equity (ytd only) | 6.5810% | 2,102 |
| Net charge-offs to loans | 0.4212% | 1,531 |
| Credit loss provision to net charge-offs | 77.0115% | 2,681 |
| Earnings coverage of net charge-offs (x) | 5.8046% | 2,827 |
| Efficiency ratio | 58.2989% | 5,691 |
| Assets per employee ($millions) | 4.2692% | 3,228 |
| Cash dividends to net income (ytd only)* | 46.7153% | 2,005 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5080% | 3,552 |
| Loan loss allowance to noncurrent loans | 65.7051% | 4,567 |
| Noncurrent assets plus other real estate owned to assets | 2.2180% | 1,945 |
| Noncurrent loans to loans | 2.2951% | 2,063 |
| Net loans and leases to total assets | 72.3748% | 1,511 |
| Net loans and leases to deposits | 79.1534% | 2,440 |
| Net loans and leases to core deposits | 84.7104% | 2,465 |
| Total domestic deposits to total assets | 91.4360% | 404 |
| Equity capital to assets | 8.1063% | 6,124 |
| Core capital (leverage) ratio | 8.3080% | 5,882 |
| Tier 1 risk-based capital ratio | 11.7783% | 5,932 |
| Total risk-based capital ratio | 13.0337% | 5,874 |
| Memoranda: | ||
| Average total assets | $53,732,670 | 6,027 |
| Average earning assets | $47,303,670 | 6,064 |
| Average equity | $4,437,000 | 6,346 |
| Average total loans | $41,313,670 | 5,367 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5406% | 349 |
| Cost of funding earning assets | 0.7829% | 1,628 |
| Net interest margin | 4.7577% | 434 |
| Noninterest income to average assets | 0.3709% | 4,697 |
| Noninterest expense to average assets | 2.6566% | 4,224 |
| Loan and lease loss provision to assets | 0.3027% | 1,137 |
| Net operating income to assets | 0.9991% | 2,227 |
| Return on assets (ROA) | 0.9991% | 2,346 |
| Pretax return on assets | 1.5970% | 1,311 |
| Return on Equity (ROE) | 11.9837% | 1,430 |
| Retained earnings to average equity (ytd only) | 0.3631% | 5,672 |
| Net charge-offs to loans | 0.0192% | 3,771 |
| Credit loss provision to net charge-offs | 2,000.0000% | 169 |
| Earnings coverage of net charge-offs (x) | 125.5000% | 307 |
| Efficiency ratio | 58.3056% | 5,811 |
| Assets per employee ($millions) | 4.5300% | 2,917 |
| Cash dividends to net income (ytd only)* | 96.9697% | 677 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5863% | 3,456 |
| Loan loss allowance to noncurrent loans | 71.9786% | 4,258 |
| Noncurrent assets plus other real estate owned to assets | 1.9040% | 2,470 |
| Noncurrent loans to loans | 2.2039% | 2,382 |
| Net loans and leases to total assets | 76.8065% | 737 |
| Net loans and leases to deposits | 84.0368% | 1,595 |
| Net loans and leases to core deposits | 89.5466% | 1,745 |
| Total domestic deposits to total assets | 91.3962% | 384 |
| Equity capital to assets | 8.1107% | 6,327 |
| Core capital (leverage) ratio | 8.3960% | 5,713 |
| Tier 1 risk-based capital ratio | 11.1670% | 6,333 |
| Total risk-based capital ratio | 12.4238% | 6,310 |
| Memoranda: | ||
| Average total assets | $52,849,000 | 6,104 |
| Average earning assets | $46,493,000 | 6,142 |
| Average equity | $4,406,000 | 6,419 |
| Average total loans | $41,579,000 | 5,393 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8526% | 339 |
| Cost of funding earning assets | 0.8530% | 2,268 |
| Net interest margin | 4.9996% | 388 |
| Noninterest income to average assets | 0.2159% | 5,883 |
| Noninterest expense to average assets | 2.5197% | 5,032 |
| Loan and lease loss provision to assets | 0.4317% | 1,477 |
| Net operating income to assets | 1.1062% | 1,917 |
| Return on assets (ROA) | 1.1862% | 1,809 |
| Pretax return on assets | 1.9064% | 748 |
| Return on Equity (ROE) | 14.3548% | 922 |
| Retained earnings to average equity (ytd only) | 14.3548% | 187 |
| Net charge-offs to loans | 0.4676% | 2,365 |
| Credit loss provision to net charge-offs | 117.5824% | 2,447 |
| Earnings coverage of net charge-offs (x) | 6.0275% | 2,889 |
| Efficiency ratio | 53.2396% | 6,352 |
| Assets per employee ($millions) | 3.9491% | 4,045 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5589% | 3,481 |
| Loan loss allowance to noncurrent loans | 95.4887% | 3,455 |
| Noncurrent assets plus other real estate owned to assets | 1.8213% | 2,683 |
| Noncurrent loans to loans | 1.6326% | 3,176 |
| Net loans and leases to total assets | 78.1059% | 661 |
| Net loans and leases to deposits | 85.8225% | 1,539 |
| Net loans and leases to core deposits | 91.2791% | 1,699 |
| Total domestic deposits to total assets | 91.0086% | 492 |
| Equity capital to assets | 8.5765% | 5,981 |
| Core capital (leverage) ratio | 8.6683% | 5,372 |
| Tier 1 risk-based capital ratio | 11.5137% | 6,096 |
| Total risk-based capital ratio | 12.7685% | 6,057 |
| Memoranda: | ||
| Average total assets | $49,569,400 | 6,225 |
| Average earning assets | $44,783,600 | 6,214 |
| Average equity | $4,096,200 | 6,545 |
| Average total loans | $38,923,400 | 5,554 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8343% | 380 |
| Cost of funding earning assets | 0.8753% | 2,353 |
| Net interest margin | 4.9590% | 431 |
| Noninterest income to average assets | 0.3148% | 5,261 |
| Noninterest expense to average assets | 2.5484% | 4,925 |
| Loan and lease loss provision to assets | 0.5292% | 1,123 |
| Net operating income to assets | 1.0865% | 2,143 |
| Return on assets (ROA) | 1.1941% | 1,939 |
| Pretax return on assets | 1.9106% | 849 |
| Return on Equity (ROE) | 14.5951% | 979 |
| Retained earnings to average equity (ytd only) | 14.5951% | 264 |
| Net charge-offs to loans | 0.6516% | 1,681 |
| Credit loss provision to net charge-offs | 103.7234% | 2,839 |
| Earnings coverage of net charge-offs (x) | 4.4521% | 3,302 |
| Efficiency ratio | 52.8716% | 6,366 |
| Assets per employee ($millions) | 4.2146% | 3,439 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4944% | 3,976 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6545% | 5,039 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 79.5057% | 554 |
| Net loans and leases to deposits | 87.5978% | 1,401 |
| Net loans and leases to core deposits | 92.8659% | 1,696 |
| Total domestic deposits to total assets | 90.7622% | 494 |
| Equity capital to assets | 8.4152% | 6,337 |
| Core capital (leverage) ratio | 8.3327% | 5,962 |
| Tier 1 risk-based capital ratio | 11.1810% | 6,402 |
| Total risk-based capital ratio | 12.4345% | 6,372 |
| Memoranda: | ||
| Average total assets | $49,127,250 | 6,314 |
| Average earning assets | $44,631,750 | 6,285 |
| Average equity | $4,019,500 | 6,638 |
| Average total loans | $38,471,000 | 5,635 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8016% | 404 |
| Cost of funding earning assets | 0.9037% | 2,367 |
| Net interest margin | 4.8979% | 475 |
| Noninterest income to average assets | 0.2837% | 5,542 |
| Noninterest expense to average assets | 2.5244% | 5,054 |
| Loan and lease loss provision to assets | 0.7812% | 653 |
| Net operating income to assets | 0.8976% | 2,920 |
| Return on assets (ROA) | 1.0608% | 2,432 |
| Pretax return on assets | 1.6898% | 1,287 |
| Return on Equity (ROE) | 13.0942% | 1,335 |
| Retained earnings to average equity (ytd only) | 13.0942% | 428 |
| Net charge-offs to loans | 0.2759% | 2,935 |
| Credit loss provision to net charge-offs | 365.3846% | 808 |
| Earnings coverage of net charge-offs (x) | 10.3654% | 2,058 |
| Efficiency ratio | 53.2524% | 6,391 |
| Assets per employee ($millions) | 4.9892% | 2,191 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9044% | 2,545 |
| Loan loss allowance to noncurrent loans | 153.4161% | 2,190 |
| Noncurrent assets plus other real estate owned to assets | 1.4231% | 3,590 |
| Noncurrent loans to loans | 1.2413% | 4,066 |
| Net loans and leases to total assets | 76.5032% | 907 |
| Net loans and leases to deposits | 83.8676% | 1,868 |
| Net loans and leases to core deposits | 88.4340% | 2,159 |
| Total domestic deposits to total assets | 91.2190% | 380 |
| Equity capital to assets | 8.1596% | 6,482 |
| Core capital (leverage) ratio | 8.2573% | 5,985 |
| Tier 1 risk-based capital ratio | 11.3485% | 6,315 |
| Total risk-based capital ratio | 12.6079% | 6,283 |
| Memoranda: | ||
| Average total assets | $48,644,670 | 6,362 |
| Average earning assets | $44,264,000 | 6,341 |
| Average equity | $3,940,670 | 6,701 |
| Average total loans | $37,688,000 | 5,698 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7416% | 477 |
| Cost of funding earning assets | 0.9252% | 2,475 |
| Net interest margin | 4.8164% | 547 |
| Noninterest income to average assets | 0.1249% | 6,625 |
| Noninterest expense to average assets | 2.3990% | 5,471 |
| Loan and lease loss provision to assets | 0.5831% | 988 |
| Net operating income to assets | 0.9829% | 2,543 |
| Return on assets (ROA) | 0.9829% | 2,743 |
| Pretax return on assets | 1.5660% | 1,682 |
| Return on Equity (ROE) | 12.1791% | 1,622 |
| Retained earnings to average equity (ytd only) | 12.1791% | 800 |
| Net charge-offs to loans | 0.5610% | 1,684 |
| Credit loss provision to net charge-offs | 134.6154% | 1,823 |
| Earnings coverage of net charge-offs (x) | 4.9615% | 2,469 |
| Efficiency ratio | 52.7473% | 6,468 |
| Assets per employee ($millions) | 4.7856% | 2,531 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6482% | 3,550 |
| Loan loss allowance to noncurrent loans | 85.7735% | 3,479 |
| Noncurrent assets plus other real estate owned to assets | 1.9308% | 2,999 |
| Noncurrent loans to loans | 1.9216% | 3,258 |
| Net loans and leases to total assets | 77.4323% | 645 |
| Net loans and leases to deposits | 84.9441% | 1,543 |
| Net loans and leases to core deposits | 90.1123% | 1,845 |
| Total domestic deposits to total assets | 91.1568% | 488 |
| Equity capital to assets | 8.2874% | 6,278 |
| Core capital (leverage) ratio | 8.2216% | 5,996 |
| Tier 1 risk-based capital ratio | 11.5282% | 6,266 |
| Total risk-based capital ratio | 12.7853% | 6,240 |
| Memoranda: | ||
| Average total assets | $48,021,000 | 6,431 |
| Average earning assets | $44,099,500 | 6,396 |
| Average equity | $3,875,500 | 6,757 |
| Average total loans | $37,077,000 | 5,774 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9689% | 453 |
| Cost of funding earning assets | 1.2161% | 1,924 |
| Net interest margin | 4.7527% | 681 |
| Noninterest income to average assets | 0.2511% | 5,734 |
| Noninterest expense to average assets | 2.7731% | 4,462 |
| Loan and lease loss provision to assets | 0.5177% | 2,030 |
| Net operating income to assets | 1.4421% | 940 |
| Return on assets (ROA) | 1.4421% | 1,021 |
| Pretax return on assets | 1.3021% | 2,123 |
| Return on Equity (ROE) | 19.0535% | 312 |
| Retained earnings to average equity (ytd only) | 19.0535% | 61 |
| Net charge-offs to loans | 0.2397% | 4,278 |
| Credit loss provision to net charge-offs | 291.2500% | 817 |
| Earnings coverage of net charge-offs (x) | 10.2375% | 1,867 |
| Efficiency ratio | 60.3774% | 5,692 |
| Assets per employee ($millions) | 4.8186% | 2,427 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6531% | 3,367 |
| Loan loss allowance to noncurrent loans | 68.9143% | 4,103 |
| Noncurrent assets plus other real estate owned to assets | 2.0234% | 2,937 |
| Noncurrent loans to loans | 2.3988% | 2,726 |
| Net loans and leases to total assets | 74.4490% | 1,187 |
| Net loans and leases to deposits | 81.3230% | 2,304 |
| Net loans and leases to core deposits | 86.1962% | 2,611 |
| Total domestic deposits to total assets | 91.5473% | 322 |
| Equity capital to assets | 7.8550% | 6,656 |
| Core capital (leverage) ratio | 7.7933% | 6,446 |
| Tier 1 risk-based capital ratio | 11.4860% | 6,165 |
| Total risk-based capital ratio | 12.7444% | 6,151 |
| Memoranda: | ||
| Average total assets | $45,004,000 | 6,507 |
| Average earning assets | $41,113,400 | 6,489 |
| Average equity | $3,406,200 | 6,908 |
| Average total loans | $33,373,600 | 5,986 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9631% | 493 |
| Cost of funding earning assets | 1.2561% | 1,960 |
| Net interest margin | 4.7070% | 752 |
| Noninterest income to average assets | 0.2352% | 5,939 |
| Noninterest expense to average assets | 2.8682% | 4,069 |
| Loan and lease loss provision to assets | 0.6152% | 1,596 |
| Net operating income to assets | 1.0465% | 2,153 |
| Return on assets (ROA) | 1.0465% | 2,304 |
| Pretax return on assets | 1.0465% | 3,228 |
| Return on Equity (ROE) | 13.9713% | 1,040 |
| Retained earnings to average equity (ytd only) | 13.9713% | 293 |
| Net charge-offs to loans | 0.2904% | 3,636 |
| Credit loss provision to net charge-offs | 287.3239% | 995 |
| Earnings coverage of net charge-offs (x) | 7.7609% | 2,300 |
| Efficiency ratio | 63.3156% | 5,179 |
| Assets per employee ($millions) | 4.4038% | 3,073 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6630% | 3,405 |
| Loan loss allowance to noncurrent loans | 186.8590% | 1,642 |
| Noncurrent assets plus other real estate owned to assets | 0.8505% | 5,055 |
| Noncurrent loans to loans | 0.8900% | 5,080 |
| Net loans and leases to total assets | 71.1655% | 1,870 |
| Net loans and leases to deposits | 77.2094% | 3,133 |
| Net loans and leases to core deposits | 83.3047% | 3,145 |
| Total domestic deposits to total assets | 92.1721% | 189 |
| Equity capital to assets | 7.2974% | 6,985 |
| Core capital (leverage) ratio | 7.4457% | 6,789 |
| Tier 1 risk-based capital ratio | 11.0596% | 6,508 |
| Total risk-based capital ratio | 12.3158% | 6,486 |
| Memoranda: | ||
| Average total assets | $44,208,500 | 6,589 |
| Average earning assets | $40,335,750 | 6,570 |
| Average equity | $3,311,500 | 6,987 |
| Average total loans | $32,597,750 | 6,097 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9308% | 543 |
| Cost of funding earning assets | 1.2891% | 2,010 |
| Net interest margin | 4.6417% | 836 |
| Noninterest income to average assets | 0.2150% | 6,130 |
| Noninterest expense to average assets | 2.8647% | 4,164 |
| Loan and lease loss provision to assets | 0.6916% | 1,374 |
| Net operating income to assets | 0.9159% | 2,565 |
| Return on assets (ROA) | 0.9159% | 2,667 |
| Pretax return on assets | 0.9159% | 3,562 |
| Return on Equity (ROE) | 12.1100% | 1,459 |
| Retained earnings to average equity (ytd only) | 12.1100% | 504 |
| Net charge-offs to loans | 0.2517% | 3,621 |
| Credit loss provision to net charge-offs | 370.0000% | 826 |
| Earnings coverage of net charge-offs (x) | 8.6000% | 2,036 |
| Efficiency ratio | 64.0543% | 5,226 |
| Assets per employee ($millions) | 4.5670% | 2,736 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6918% | 3,357 |
| Loan loss allowance to noncurrent loans | 1,052.8302% | 355 |
| Noncurrent assets plus other real estate owned to assets | 0.6000% | 5,718 |
| Noncurrent loans to loans | 0.1607% | 6,581 |
| Net loans and leases to total assets | 70.9963% | 2,007 |
| Net loans and leases to deposits | 77.1541% | 3,270 |
| Net loans and leases to core deposits | 84.1745% | 3,186 |
| Total domestic deposits to total assets | 92.0188% | 229 |
| Equity capital to assets | 7.4228% | 6,981 |
| Core capital (leverage) ratio | 7.6215% | 6,649 |
| Tier 1 risk-based capital ratio | 11.3750% | 6,268 |
| Total risk-based capital ratio | 12.6336% | 6,247 |
| Memoranda: | ||
| Average total assets | $42,797,330 | 6,687 |
| Average earning assets | $39,253,000 | 6,672 |
| Average equity | $3,237,000 | 7,060 |
| Average total loans | $31,778,000 | 6,214 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9000% | 597 |
| Cost of funding earning assets | 1.3169% | 2,089 |
| Net interest margin | 4.5832% | 889 |
| Noninterest income to average assets | 0.2031% | 6,270 |
| Noninterest expense to average assets | 2.8916% | 4,092 |
| Loan and lease loss provision to assets | 0.9574% | 821 |
| Net operating income to assets | 0.6286% | 3,874 |
| Return on assets (ROA) | 0.6286% | 3,940 |
| Pretax return on assets | 0.6286% | 4,573 |
| Return on Equity (ROE) | 8.2265% | 2,818 |
| Retained earnings to average equity (ytd only) | 8.2265% | 1,651 |
| Net charge-offs to loans | 0.3593% | 2,624 |
| Credit loss provision to net charge-offs | 353.5714% | 928 |
| Earnings coverage of net charge-offs (x) | 5.8571% | 2,199 |
| Efficiency ratio | 64.5788% | 5,263 |
| Assets per employee ($millions) | 4.2772% | 3,284 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6262% | 3,624 |
| Loan loss allowance to noncurrent loans | 983.0189% | 385 |
| Noncurrent assets plus other real estate owned to assets | 0.6944% | 5,555 |
| Noncurrent loans to loans | 0.1654% | 6,645 |
| Net loans and leases to total assets | 73.6837% | 1,393 |
| Net loans and leases to deposits | 80.0976% | 2,707 |
| Net loans and leases to core deposits | 87.2898% | 2,701 |
| Total domestic deposits to total assets | 91.9924% | 286 |
| Equity capital to assets | 7.4722% | 6,879 |
| Core capital (leverage) ratio | 7.7639% | 6,497 |
| Tier 1 risk-based capital ratio | 11.5281% | 6,081 |
| Total risk-based capital ratio | 12.7840% | 6,057 |
| Memoranda: | ||
| Average total assets | $41,361,000 | 6,782 |
| Average earning assets | $38,576,000 | 6,736 |
| Average equity | $3,160,500 | 7,124 |
| Average total loans | $31,176,000 | 6,280 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1125% | 682 |
| Cost of funding earning assets | 1.6475% | 1,841 |
| Net interest margin | 4.4651% | 1,310 |
| Noninterest income to average assets | 0.1560% | 6,608 |
| Noninterest expense to average assets | 2.9632% | 3,986 |
| Loan and lease loss provision to assets | 0.7126% | 2,300 |
| Net operating income to assets | 0.6561% | 3,411 |
| Return on assets (ROA) | 0.7663% | 3,056 |
| Pretax return on assets | 0.7663% | 3,739 |
| Return on Equity (ROE) | 9.2913% | 2,177 |
| Retained earnings to average equity (ytd only) | 9.2913% | 642 |
| Net charge-offs to loans | 0.4115% | 3,983 |
| Credit loss provision to net charge-offs | 222.6891% | 1,341 |
| Earnings coverage of net charge-offs (x) | 4.2773% | 2,986 |
| Efficiency ratio | 68.4047% | 4,476 |
| Assets per employee ($millions) | 4.4389% | 2,962 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4844% | 4,099 |
| Loan loss allowance to noncurrent loans | 98.0392% | 2,935 |
| Noncurrent assets plus other real estate owned to assets | 1.3992% | 4,244 |
| Noncurrent loans to loans | 1.5141% | 4,213 |
| Net loans and leases to total assets | 74.7559% | 1,531 |
| Net loans and leases to deposits | 81.5850% | 2,888 |
| Net loans and leases to core deposits | 87.7840% | 3,081 |
| Total domestic deposits to total assets | 91.6295% | 365 |
| Equity capital to assets | 7.8223% | 6,657 |
| Core capital (leverage) ratio | 7.9708% | 6,244 |
| Tier 1 risk-based capital ratio | 12.1470% | 5,338 |
| Total risk-based capital ratio | 13.4013% | 5,316 |
| Memoranda: | ||
| Average total assets | $37,189,800 | 6,965 |
| Average earning assets | $34,781,000 | 6,921 |
| Average equity | $3,067,400 | 7,257 |
| Average total loans | $28,920,200 | 6,449 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1455% | 690 |
| Cost of funding earning assets | 1.7201% | 1,772 |
| Net interest margin | 4.4254% | 1,445 |
| Noninterest income to average assets | 0.1169% | 6,964 |
| Noninterest expense to average assets | 3.0575% | 3,546 |
| Loan and lease loss provision to assets | 0.6502% | 2,354 |
| Net operating income to assets | 0.5443% | 4,115 |
| Return on assets (ROA) | 0.6941% | 3,601 |
| Pretax return on assets | 0.6941% | 4,247 |
| Return on Equity (ROE) | 8.2977% | 2,791 |
| Retained earnings to average equity (ytd only) | 8.2977% | 1,317 |
| Net charge-offs to loans | 0.4807% | 3,355 |
| Credit loss provision to net charge-offs | 172.8155% | 2,130 |
| Earnings coverage of net charge-offs (x) | 3.1748% | 3,554 |
| Efficiency ratio | 71.9072% | 3,718 |
| Assets per employee ($millions) | 4.3292% | 3,207 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2673% | 5,126 |
| Loan loss allowance to noncurrent loans | 2,915.3846% | 124 |
| Noncurrent assets plus other real estate owned to assets | 0.2900% | 6,641 |
| Noncurrent loans to loans | 0.0435% | 7,137 |
| Net loans and leases to total assets | 75.7847% | 1,449 |
| Net loans and leases to deposits | 82.9368% | 2,920 |
| Net loans and leases to core deposits | 89.4436% | 3,175 |
| Total domestic deposits to total assets | 91.3764% | 338 |
| Equity capital to assets | 8.0307% | 6,779 |
| Core capital (leverage) ratio | 7.9543% | 6,413 |
| Tier 1 risk-based capital ratio | 11.8292% | 5,609 |
| Total risk-based capital ratio | 13.0809% | 5,587 |
| Memoranda: | ||
| Average total assets | $36,499,750 | 7,077 |
| Average earning assets | $34,105,250 | 7,023 |
| Average equity | $3,053,000 | 7,355 |
| Average total loans | $28,571,500 | 6,555 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2400% | 580 |
| Cost of funding earning assets | 1.7588% | 1,824 |
| Net interest margin | 4.4812% | 1,244 |
| Noninterest income to average assets | 0.0561% | 7,309 |
| Noninterest expense to average assets | 3.1335% | 3,171 |
| Loan and lease loss provision to assets | 0.5550% | 2,553 |
| Net operating income to assets | 0.5381% | 4,153 |
| Return on assets (ROA) | 0.7680% | 3,262 |
| Pretax return on assets | 0.7680% | 3,990 |
| Return on Equity (ROE) | 9.0499% | 2,445 |
| Retained earnings to average equity (ytd only) | 9.0499% | 1,090 |
| Net charge-offs to loans | 0.3413% | 3,638 |
| Credit loss provision to net charge-offs | 206.2500% | 1,886 |
| Earnings coverage of net charge-offs (x) | 4.0625% | 3,075 |
| Efficiency ratio | 74.1379% | 3,446 |
| Assets per employee ($millions) | 4.1586% | 3,467 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2048% | 5,437 |
| Loan loss allowance to noncurrent loans | 163.5945% | 1,713 |
| Noncurrent assets plus other real estate owned to assets | 0.8577% | 5,401 |
| Noncurrent loans to loans | 0.7364% | 5,783 |
| Net loans and leases to total assets | 77.7807% | 1,149 |
| Net loans and leases to deposits | 85.2695% | 2,647 |
| Net loans and leases to core deposits | 91.0686% | 3,114 |
| Total domestic deposits to total assets | 91.2176% | 408 |
| Equity capital to assets | 8.1813% | 6,566 |
| Core capital (leverage) ratio | 8.1850% | 5,966 |
| Tier 1 risk-based capital ratio | 11.9845% | 5,327 |
| Total risk-based capital ratio | 13.2356% | 5,291 |
| Memoranda: | ||
| Average total assets | $35,678,670 | 7,153 |
| Average earning assets | $33,205,330 | 7,104 |
| Average equity | $3,027,670 | 7,408 |
| Average total loans | $28,126,330 | 6,622 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3352% | 497 |
| Cost of funding earning assets | 1.7155% | 2,310 |
| Net interest margin | 4.6197% | 914 |
| Noninterest income to average assets | 0.2413% | 6,223 |
| Noninterest expense to average assets | 3.0916% | 3,300 |
| Loan and lease loss provision to assets | 0.4367% | 2,779 |
| Net operating income to assets | 1.0458% | 2,019 |
| Return on assets (ROA) | 1.0458% | 2,080 |
| Pretax return on assets | 1.0458% | 2,918 |
| Return on Equity (ROE) | 12.0910% | 1,477 |
| Retained earnings to average equity (ytd only) | 12.0910% | 733 |
| Net charge-offs to loans | 0.0146% | 5,382 |
| Credit loss provision to net charge-offs | 3,800.0000% | 119 |
| Earnings coverage of net charge-offs (x) | 129.0000% | 256 |
| Efficiency ratio | 67.5879% | 4,805 |
| Assets per employee ($millions) | 4.0754% | 3,695 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1858% | 5,571 |
| Loan loss allowance to noncurrent loans | 185.3261% | 1,514 |
| Noncurrent assets plus other real estate owned to assets | 1.3305% | 4,527 |
| Noncurrent loans to loans | 0.6399% | 6,042 |
| Net loans and leases to total assets | 77.4694% | 1,254 |
| Net loans and leases to deposits | 87.1278% | 2,390 |
| Net loans and leases to core deposits | 92.5630% | 3,038 |
| Total domestic deposits to total assets | 88.9146% | 1,561 |
| Equity capital to assets | 8.3317% | 6,257 |
| Core capital (leverage) ratio | 8.6563% | 5,102 |
| Tier 1 risk-based capital ratio | 12.0671% | 5,129 |
| Total risk-based capital ratio | 13.3179% | 5,093 |
| Memoranda: | ||
| Average total assets | $34,804,500 | 7,279 |
| Average earning assets | $32,643,000 | 7,216 |
| Average equity | $3,010,500 | 7,492 |
| Average total loans | $27,456,500 | 6,750 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3981% | 834 |
| Cost of funding earning assets | 2.5731% | 845 |
| Net interest margin | 3.8249% | 3,600 |
| Noninterest income to average assets | 0.3605% | 5,508 |
| Noninterest expense to average assets | 3.6666% | 1,988 |
| Loan and lease loss provision to assets | 0.4579% | 4,081 |
| Net operating income to assets | -0.1916% | 5,834 |
| Return on assets (ROA) | -0.1916% | 5,827 |
| Pretax return on assets | -0.1916% | 5,695 |
| Return on Equity (ROE) | -2.0029% | 5,859 |
| Retained earnings to average equity (ytd only) | -2.0029% | 5,520 |
| Net charge-offs to loans | 0.1908% | 5,455 |
| Credit loss provision to net charge-offs | 327.9070% | 996 |
| Earnings coverage of net charge-offs (x) | 1.9070% | 4,292 |
| Efficiency ratio | 93.2287% | 1,468 |
| Assets per employee ($millions) | 3.6589% | 4,626 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1622% | 5,576 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.9232% | 5,246 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 78.5090% | 1,282 |
| Net loans and leases to deposits | 88.9765% | 2,392 |
| Net loans and leases to core deposits | 118.2825% | 2,098 |
| Total domestic deposits to total assets | 88.2357% | 1,867 |
| Equity capital to assets | 9.0039% | 5,142 |
| Core capital (leverage) ratio | 8.7340% | 4,862 |
| Tier 1 risk-based capital ratio | 12.6331% | 4,415 |
| Total risk-based capital ratio | 13.8823% | 4,355 |
| Memoranda: | ||
| Average total assets | $30,791,800 | 7,446 |
| Average earning assets | $28,758,600 | 7,404 |
| Average equity | $2,945,800 | 7,604 |
| Average total loans | $22,530,800 | 7,061 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2667% | 1,205 |
| Cost of funding earning assets | 2.7621% | 663 |
| Net interest margin | 3.5046% | 4,844 |
| Noninterest income to average assets | 0.3525% | 5,670 |
| Noninterest expense to average assets | 3.6971% | 1,826 |
| Loan and lease loss provision to assets | 0.5817% | 3,061 |
| Net operating income to assets | -0.6610% | 6,575 |
| Return on assets (ROA) | -0.6610% | 6,583 |
| Pretax return on assets | -0.6610% | 6,454 |
| Return on Equity (ROE) | -6.8004% | 6,643 |
| Retained earnings to average equity (ytd only) | -6.8004% | 6,484 |
| Net charge-offs to loans | 0.2960% | 4,173 |
| Credit loss provision to net charge-offs | 275.0000% | 1,542 |
| Earnings coverage of net charge-offs (x) | -0.3750% | 6,405 |
| Efficiency ratio | 102.1924% | 975 |
| Assets per employee ($millions) | 3.5429% | 4,828 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1641% | 5,327 |
| Loan loss allowance to noncurrent loans | 97.6431% | 2,837 |
| Noncurrent assets plus other real estate owned to assets | 1.3862% | 4,323 |
| Noncurrent loans to loans | 1.1922% | 4,955 |
| Net loans and leases to total assets | 77.2157% | 1,735 |
| Net loans and leases to deposits | 85.7068% | 3,379 |
| Net loans and leases to core deposits | 113.2573% | 2,902 |
| Total domestic deposits to total assets | 90.0928% | 734 |
| Equity capital to assets | 9.0729% | 5,375 |
| Core capital (leverage) ratio | 8.2424% | 5,938 |
| Tier 1 risk-based capital ratio | 12.6311% | 4,452 |
| Total risk-based capital ratio | 13.8802% | 4,400 |
| Memoranda: | ||
| Average total assets | $30,257,250 | 7,531 |
| Average earning assets | $28,190,750 | 7,489 |
| Average equity | $2,941,000 | 7,677 |
| Average total loans | $21,624,250 | 7,167 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0951% | 1,806 |
| Cost of funding earning assets | 2.9163% | 582 |
| Net interest margin | 3.1788% | 5,986 |
| Noninterest income to average assets | 0.3837% | 5,434 |
| Noninterest expense to average assets | 3.7154% | 1,805 |
| Loan and lease loss provision to assets | 0.7740% | 2,143 |
| Net operating income to assets | -1.1712% | 7,097 |
| Return on assets (ROA) | -1.1712% | 7,104 |
| Pretax return on assets | -1.1712% | 6,918 |
| Return on Equity (ROE) | -11.7687% | 7,160 |
| Retained earnings to average equity (ytd only) | -11.7687% | 7,040 |
| Net charge-offs to loans | 0.2533% | 3,933 |
| Credit loss provision to net charge-offs | 442.3077% | 1,052 |
| Earnings coverage of net charge-offs (x) | -2.2692% | 6,367 |
| Efficiency ratio | 111.9675% | 797 |
| Assets per employee ($millions) | 3.6477% | 4,459 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2540% | 4,576 |
| Loan loss allowance to noncurrent loans | 102.4306% | 2,835 |
| Noncurrent assets plus other real estate owned to assets | 1.1941% | 4,552 |
| Noncurrent loans to loans | 1.2243% | 4,761 |
| Net loans and leases to total assets | 70.7576% | 3,519 |
| Net loans and leases to deposits | 78.0833% | 4,854 |
| Net loans and leases to core deposits | 107.4670% | 3,669 |
| Total domestic deposits to total assets | 90.6181% | 587 |
| Equity capital to assets | 8.6813% | 5,781 |
| Core capital (leverage) ratio | 8.6955% | 5,094 |
| Tier 1 risk-based capital ratio | 12.6881% | 4,367 |
| Total risk-based capital ratio | 13.9399% | 4,280 |
| Memoranda: | ||
| Average total assets | $29,714,330 | 7,614 |
| Average earning assets | $27,431,670 | 7,582 |
| Average equity | $2,957,000 | 7,741 |
| Average total loans | $20,528,670 | 7,299 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9691% | 2,484 |
| Cost of funding earning assets | 2.9536% | 675 |
| Net interest margin | 3.0155% | 6,439 |
| Noninterest income to average assets | 0.3409% | 5,728 |
| Noninterest expense to average assets | 3.7788% | 1,508 |
| Loan and lease loss provision to assets | 0.3409% | 3,282 |
| Net operating income to assets | -1.0086% | 7,260 |
| Return on assets (ROA) | -1.0086% | 7,275 |
| Pretax return on assets | -1.0086% | 7,159 |
| Return on Equity (ROE) | -9.4336% | 7,326 |
| Retained earnings to average equity (ytd only) | -9.4336% | 7,050 |
| Net charge-offs to loans | 0.2522% | 3,149 |
| Credit loss provision to net charge-offs | 200.0000% | 2,207 |
| Earnings coverage of net charge-offs (x) | -3.9167% | 5,539 |
| Efficiency ratio | 121.4612% | 607 |
| Assets per employee ($millions) | 3.3102% | 5,301 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1155% | 5,359 |
| Loan loss allowance to noncurrent loans | 137.1069% | 2,336 |
| Noncurrent assets plus other real estate owned to assets | 0.8828% | 4,988 |
| Noncurrent loans to loans | 0.8136% | 5,410 |
| Net loans and leases to total assets | 64.8631% | 4,828 |
| Net loans and leases to deposits | 72.6958% | 5,654 |
| Net loans and leases to core deposits | 98.8541% | 4,661 |
| Total domestic deposits to total assets | 89.2253% | 1,133 |
| Equity capital to assets | 9.9389% | 4,067 |
| Core capital (leverage) ratio | 10.0340% | 3,375 |
| Tier 1 risk-based capital ratio | 15.2966% | 2,943 |
| Total risk-based capital ratio | 16.4625% | 2,921 |
| Memoranda: | ||
| Average total assets | $28,157,000 | 7,725 |
| Average earning assets | $25,866,500 | 7,689 |
| Average equity | $3,010,500 | 7,780 |
| Average total loans | $19,031,000 | 7,436 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7639% | 1,806 |
| Cost of funding earning assets | 2.7982% | 2,715 |
| Net interest margin | 3.9658% | 3,283 |
| Noninterest income to average assets | 0.3304% | 6,082 |
| Noninterest expense to average assets | 4.1111% | 1,258 |
| Loan and lease loss provision to assets | 0.4772% | 2,917 |
| Net operating income to assets | -0.5644% | 6,972 |
| Return on assets (ROA) | -0.5644% | 6,862 |
| Pretax return on assets | -0.5644% | 6,704 |
| Return on Equity (ROE) | -4.0291% | 6,749 |
| Retained earnings to average equity (ytd only) | -4.0291% | 6,331 |
| Net charge-offs to loans | 0.0732% | 5,715 |
| Credit loss provision to net charge-offs | 945.4545% | 469 |
| Earnings coverage of net charge-offs (x) | -1.7273% | 6,692 |
| Efficiency ratio | 102.1665% | 910 |
| Assets per employee ($millions) | 2.9469% | 6,181 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1123% | 5,180 |
| Loan loss allowance to noncurrent loans | 129.5597% | 2,802 |
| Noncurrent assets plus other real estate owned to assets | 0.5995% | 5,397 |
| Noncurrent loans to loans | 0.8585% | 4,904 |
| Net loans and leases to total assets | 69.0521% | 4,245 |
| Net loans and leases to deposits | 79.9598% | 5,051 |
| Net loans and leases to core deposits | 102.0904% | 4,598 |
| Total domestic deposits to total assets | 86.3585% | 2,235 |
| Equity capital to assets | 11.5376% | 2,613 |
| Core capital (leverage) ratio | 11.8520% | 2,055 |
| Tier 1 risk-based capital ratio | 16.9667% | 2,322 |
| Total risk-based capital ratio | 18.1592% | 2,288 |
| Memoranda: | ||
| Average total assets | $21,794,600 | 7,956 |
| Average earning assets | $20,298,800 | 7,922 |
| Average equity | $3,052,800 | 7,821 |
| Average total loans | $15,020,200 | 7,649 |