Home > The Bank of Protection > Performance and Condition Ratios
The Bank of Protection, 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 | 6.9770% | 346 |
| Cost of funding earning assets | 2.5466% | 785 |
| Net interest margin | 4.4303% | 708 |
| Noninterest income to average assets | 0.2600% | 3,131 |
| Noninterest expense to average assets | 1.9394% | 3,667 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | 1.8207% | 611 |
| Return on assets (ROA) | 1.8207% | 607 |
| Pretax return on assets | 2.2872% | 437 |
| Return on Equity (ROE) | 14.1200% | 1,233 |
| Retained earnings to average equity (ytd only) | 14.1242% | 517 |
| Net charge-offs to loans | 0.0000% | 2,326 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 45.8858% | 4,106 |
| Assets per employee ($millions) | 6.9154% | 2,273 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1794% | 2,296 |
| Loan loss allowance to noncurrent loans | 151.3800% | 2,485 |
| Noncurrent assets plus other real estate owned to assets | 0.5319% | 1,394 |
| Noncurrent loans to loans | 0.7791% | 1,334 |
| Net loans and leases to total assets | 61.7100% | 2,728 |
| Net loans and leases to deposits | 78.0288% | 2,227 |
| Net loans and leases to core deposits | 97.2126% | 1,549 |
| Total domestic deposits to total assets | 79.0800% | 3,693 |
| Equity capital to assets | 13.3058% | 850 |
| Core capital (leverage) ratio | 15.1839% | 584 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $97,763,000 | 3,797 |
| Average earning assets | $87,487,500 | 3,802 |
| Average equity | $12,602,500 | 3,572 |
| Average total loans | $61,277,000 | 3,686 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4198% | 787 |
| Cost of funding earning assets | 2.2642% | 1,600 |
| Net interest margin | 4.1556% | 985 |
| Noninterest income to average assets | 0.3000% | 3,060 |
| Noninterest expense to average assets | 2.0639% | 3,462 |
| Loan and lease loss provision to assets | 0.0500% | 2,169 |
| Net operating income to assets | 1.5367% | 854 |
| Return on assets (ROA) | 1.5291% | 859 |
| Pretax return on assets | 1.8898% | 722 |
| Return on Equity (ROE) | 12.4100% | 1,511 |
| Retained earnings to average equity (ytd only) | 12.4079% | 267 |
| Net charge-offs to loans | 0.1780% | 774 |
| Credit loss provision to net charge-offs | 48.0769% | 2,344 |
| Earnings coverage of net charge-offs (x) | 17.8942% | 1,910 |
| Efficiency ratio | 51.3972% | 3,911 |
| Assets per employee ($millions) | 7.0508% | 2,130 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1466% | 2,438 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,770 |
| Noncurrent assets plus other real estate owned to assets | 0.0446% | 3,354 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 62.1900% | 2,747 |
| Net loans and leases to deposits | 79.5024% | 2,179 |
| Net loans and leases to core deposits | 91.4490% | 2,012 |
| Total domestic deposits to total assets | 78.2200% | 3,753 |
| Equity capital to assets | 12.4839% | 1,031 |
| Core capital (leverage) ratio | 15.4468% | 545 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $95,351,600 | 3,815 |
| Average earning assets | $85,329,800 | 3,820 |
| Average equity | $11,750,600 | 3,613 |
| Average total loans | $58,418,600 | 3,714 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5,452.0000% | 40 |
| Cost of funding earning assets | 50.0000% | 28 |
| Net interest margin | 0.0000% | 4,479 |
| Noninterest income to average assets | 4.0000% | 153 |
| Noninterest expense to average assets | 0.0021% | 4,489 |
| Loan and lease loss provision to assets | NA | NA |
| Net operating income to assets | NA | NA |
| Return on assets (ROA) | 1.6110% | 804 |
| Pretax return on assets | 1.9948% | 645 |
| Return on Equity (ROE) | 13.1200% | 1,333 |
| Retained earnings to average equity (ytd only) | 0.0000% | 3,956 |
| Net charge-offs to loans | 2.0000% | 70 |
| Credit loss provision to net charge-offs | 3.0000% | 2,235 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 9,000.0000% | 18 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 487.0000% | 34 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,813 |
| Noncurrent assets plus other real estate owned to assets | NA | NA |
| Noncurrent loans to loans | 3.0000% | 202 |
| Net loans and leases to total assets | NA | NA |
| Net loans and leases to deposits | 0.0000% | 4,418 |
| Net loans and leases to core deposits | 0.0000% | 4,405 |
| Total domestic deposits to total assets | 0.0038% | 4,478 |
| Equity capital to assets | 68,674.0000% | 26 |
| Core capital (leverage) ratio | 0.0000% | 4,493 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $97,000 | 4,533 |
| Average earning assets | $2,488 | 4,517 |
| Average equity | $0 | 4,479 |
| Average total loans | NA | NA |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2926% | 826 |
| Cost of funding earning assets | 2.2082% | 1,629 |
| Net interest margin | 4.0845% | 1,016 |
| Noninterest income to average assets | 0.3100% | 2,924 |
| Noninterest expense to average assets | 1.9087% | 3,741 |
| Loan and lease loss provision to assets | 0.1100% | 1,067 |
| Net operating income to assets | 1.5876% | 803 |
| Return on assets (ROA) | 1.5723% | 825 |
| Pretax return on assets | 1.9486% | 690 |
| Return on Equity (ROE) | 13.2700% | 1,305 |
| Retained earnings to average equity (ytd only) | 13.2675% | 415 |
| Net charge-offs to loans | 0.3360% | 340 |
| Credit loss provision to net charge-offs | 51.0204% | 1,813 |
| Earnings coverage of net charge-offs (x) | 10.0612% | 1,994 |
| Efficiency ratio | 47.9409% | 4,115 |
| Assets per employee ($millions) | 6.8086% | 2,200 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1953% | 2,270 |
| Loan loss allowance to noncurrent loans | 1,305.4545% | 633 |
| Noncurrent assets plus other real estate owned to assets | 0.0776% | 3,122 |
| Noncurrent loans to loans | 0.0916% | 3,194 |
| Net loans and leases to total assets | 62.2600% | 2,735 |
| Net loans and leases to deposits | 81.3674% | 2,080 |
| Net loans and leases to core deposits | 108.4452% | 1,035 |
| Total domestic deposits to total assets | 76.5200% | 3,853 |
| Equity capital to assets | 12.1998% | 1,102 |
| Core capital (leverage) ratio | 14.2974% | 751 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $95,145,667 | 3,844 |
| Average earning assets | $85,592,000 | 3,856 |
| Average equity | $11,275,667 | 3,654 |
| Average total loans | $58,336,000 | 3,736 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7415% | 448 |
| Cost of funding earning assets | 2.6629% | 754 |
| Net interest margin | 4.0787% | 991 |
| Noninterest income to average assets | 0.2400% | 3,362 |
| Noninterest expense to average assets | 1.9188% | 3,745 |
| Loan and lease loss provision to assets | 0.2100% | 475 |
| Net operating income to assets | 1.4568% | 968 |
| Return on assets (ROA) | 1.4223% | 1,028 |
| Pretax return on assets | 1.7337% | 914 |
| Return on Equity (ROE) | 12.1800% | 1,515 |
| Retained earnings to average equity (ytd only) | 12.1813% | 709 |
| Net charge-offs to loans | 0.6821% | 145 |
| Credit loss provision to net charge-offs | 51.0204% | 1,391 |
| Earnings coverage of net charge-offs (x) | 4.8163% | 1,884 |
| Efficiency ratio | 49.1379% | 4,054 |
| Assets per employee ($millions) | 6.9480% | 2,123 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2142% | 2,212 |
| Loan loss allowance to noncurrent loans | 2,872.0000% | 363 |
| Noncurrent assets plus other real estate owned to assets | 0.0452% | 3,373 |
| Noncurrent loans to loans | 0.0423% | 3,463 |
| Net loans and leases to total assets | 60.0500% | 2,851 |
| Net loans and leases to deposits | 80.1350% | 2,047 |
| Net loans and leases to core deposits | 108.8531% | 990 |
| Total domestic deposits to total assets | 74.9400% | 4,062 |
| Equity capital to assets | 11.5120% | 1,303 |
| Core capital (leverage) ratio | 13.9223% | 800 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $95,058,000 | 3,863 |
| Average earning assets | $85,322,000 | 3,877 |
| Average equity | $11,099,000 | 3,677 |
| Average total loans | $57,469,500 | 3,754 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3703% | 1,361 |
| Cost of funding earning assets | 1.4584% | 2,056 |
| Net interest margin | 3.9119% | 1,351 |
| Noninterest income to average assets | 0.2500% | 3,442 |
| Noninterest expense to average assets | 2.1203% | 3,356 |
| Loan and lease loss provision to assets | 0.0900% | 1,416 |
| Net operating income to assets | 1.2773% | 1,478 |
| Return on assets (ROA) | 1.2724% | 1,458 |
| Pretax return on assets | 1.5209% | 1,372 |
| Return on Equity (ROE) | 10.6000% | 2,331 |
| Retained earnings to average equity (ytd only) | 7.1468% | 1,852 |
| Net charge-offs to loans | 0.0061% | 2,471 |
| Credit loss provision to net charge-offs | 2,500.0000% | 188 |
| Earnings coverage of net charge-offs (x) | 467.3333% | 306 |
| Efficiency ratio | 56.7951% | 3,420 |
| Assets per employee ($millions) | 6.6317% | 2,315 |
| Cash dividends to net income (ytd only)* | 32.5497% | 2,455 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3726% | 1,499 |
| Loan loss allowance to noncurrent loans | 603.1496% | 1,270 |
| Noncurrent assets plus other real estate owned to assets | 0.1573% | 2,485 |
| Noncurrent loans to loans | 0.2276% | 2,411 |
| Net loans and leases to total assets | 59.2800% | 2,912 |
| Net loans and leases to deposits | 78.1615% | 2,245 |
| Net loans and leases to core deposits | 91.4315% | 1,956 |
| Total domestic deposits to total assets | 75.8400% | 3,955 |
| Equity capital to assets | 11.8478% | 1,187 |
| Core capital (leverage) ratio | 14.6473% | 679 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $86,921,000 | 3,951 |
| Average earning assets | $77,482,000 | 3,953 |
| Average equity | $10,438,200 | 3,671 |
| Average total loans | $49,103,800 | 3,854 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1324% | 1,574 |
| Cost of funding earning assets | 1.2607% | 2,255 |
| Net interest margin | 3.8717% | 1,458 |
| Noninterest income to average assets | 0.2500% | 3,449 |
| Noninterest expense to average assets | 1.9616% | 3,685 |
| Loan and lease loss provision to assets | 0.0400% | 2,145 |
| Net operating income to assets | 1.4078% | 1,302 |
| Return on assets (ROA) | 1.4013% | 1,304 |
| Pretax return on assets | 1.6885% | 1,186 |
| Return on Equity (ROE) | 11.6300% | 2,220 |
| Retained earnings to average equity (ytd only) | 11.6268% | 1,040 |
| Net charge-offs to loans | 0.0084% | 2,098 |
| Credit loss provision to net charge-offs | 833.3333% | 450 |
| Earnings coverage of net charge-offs (x) | 370.6667% | 386 |
| Efficiency ratio | 53.0604% | 3,669 |
| Assets per employee ($millions) | 6.0922% | 2,659 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4406% | 1,284 |
| Loan loss allowance to noncurrent loans | 522.6277% | 1,418 |
| Noncurrent assets plus other real estate owned to assets | 0.1829% | 2,374 |
| Noncurrent loans to loans | 0.2756% | 2,253 |
| Net loans and leases to total assets | 57.4400% | 3,080 |
| Net loans and leases to deposits | 71.4711% | 2,742 |
| Net loans and leases to core deposits | 86.6061% | 2,147 |
| Total domestic deposits to total assets | 80.3600% | 3,480 |
| Equity capital to assets | 11.9567% | 1,046 |
| Core capital (leverage) ratio | 14.8959% | 643 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $85,440,250 | 3,985 |
| Average earning assets | $76,038,000 | 3,987 |
| Average equity | $10,297,750 | 3,687 |
| Average total loans | $47,428,500 | 3,886 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8694% | 1,835 |
| Cost of funding earning assets | 0.9555% | 2,750 |
| Net interest margin | 3.9139% | 1,398 |
| Noninterest income to average assets | 0.2300% | 3,559 |
| Noninterest expense to average assets | 1.9020% | 3,818 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.4953% | 1,110 |
| Return on assets (ROA) | 1.4856% | 1,127 |
| Pretax return on assets | 1.7990% | 1,008 |
| Return on Equity (ROE) | 12.2900% | 2,068 |
| Retained earnings to average equity (ytd only) | 12.2931% | 932 |
| Net charge-offs to loans | 0.0043% | 2,141 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 774.0000% | 192 |
| Efficiency ratio | 51.2287% | 3,837 |
| Assets per employee ($millions) | 6.3501% | 2,427 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3502% | 1,710 |
| Loan loss allowance to noncurrent loans | 338.0488% | 2,006 |
| Noncurrent assets plus other real estate owned to assets | 0.2520% | 1,937 |
| Noncurrent loans to loans | 0.3994% | 1,731 |
| Net loans and leases to total assets | 56.9500% | 3,051 |
| Net loans and leases to deposits | 75.5577% | 2,358 |
| Net loans and leases to core deposits | 88.7720% | 1,878 |
| Total domestic deposits to total assets | 75.3800% | 4,093 |
| Equity capital to assets | 11.9020% | 1,077 |
| Core capital (leverage) ratio | 15.0423% | 588 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $85,490,000 | 3,999 |
| Average earning assets | $75,984,667 | 4,002 |
| Average equity | $10,331,000 | 3,699 |
| Average total loans | $46,670,333 | 3,912 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8620% | 1,483 |
| Cost of funding earning assets | 0.8840% | 2,424 |
| Net interest margin | 3.9780% | 1,307 |
| Noninterest income to average assets | 0.2200% | 3,644 |
| Noninterest expense to average assets | 1.9192% | 3,811 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.5117% | 1,163 |
| Return on assets (ROA) | 1.4800% | 1,202 |
| Pretax return on assets | 1.7855% | 1,094 |
| Return on Equity (ROE) | 12.1500% | 2,179 |
| Retained earnings to average equity (ytd only) | 12.1497% | 1,239 |
| Net charge-offs to loans | 0.0090% | 1,606 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 382.0000% | 291 |
| Efficiency ratio | 51.2755% | 3,832 |
| Assets per employee ($millions) | 5.9760% | 2,782 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5514% | 1,117 |
| Loan loss allowance to noncurrent loans | 825.0000% | 1,131 |
| Noncurrent assets plus other real estate owned to assets | 0.1231% | 2,646 |
| Noncurrent loans to loans | 0.1881% | 2,536 |
| Net loans and leases to total assets | 52.5600% | 3,310 |
| Net loans and leases to deposits | 65.1356% | 3,002 |
| Net loans and leases to core deposits | 75.3758% | 2,577 |
| Total domestic deposits to total assets | 80.7000% | 3,679 |
| Equity capital to assets | 12.3996% | 894 |
| Core capital (leverage) ratio | 15.0121% | 571 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $83,784,500 | 4,065 |
| Average earning assets | $74,208,500 | 4,075 |
| Average equity | $10,206,000 | 3,761 |
| Average total loans | $44,343,000 | 3,992 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3310% | 1,003 |
| Cost of funding earning assets | 0.4430% | 1,773 |
| Net interest margin | 3.8880% | 977 |
| Noninterest income to average assets | 0.2500% | 3,641 |
| Noninterest expense to average assets | 2.2122% | 2,996 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.2188% | 1,703 |
| Return on assets (ROA) | 1.1919% | 1,739 |
| Pretax return on assets | 1.4558% | 1,591 |
| Return on Equity (ROE) | 9.2000% | 3,067 |
| Retained earnings to average equity (ytd only) | 3.5662% | 3,548 |
| Net charge-offs to loans | 0.0046% | 2,275 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 612.0000% | 285 |
| Efficiency ratio | 59.7765% | 3,089 |
| Assets per employee ($millions) | 5.9932% | 2,769 |
| Cash dividends to net income (ytd only)* | 61.2245% | 914 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5766% | 1,020 |
| Loan loss allowance to noncurrent loans | 9,914.2857% | 177 |
| Noncurrent assets plus other real estate owned to assets | 0.0310% | 3,500 |
| Noncurrent loans to loans | 0.0159% | 3,725 |
| Net loans and leases to total assets | 51.6300% | 3,386 |
| Net loans and leases to deposits | 60.8312% | 3,283 |
| Net loans and leases to core deposits | 69.1734% | 2,932 |
| Total domestic deposits to total assets | 84.8800% | 3,027 |
| Equity capital to assets | 11.9635% | 947 |
| Core capital (leverage) ratio | 15.1877% | 545 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $82,224,000 | 4,097 |
| Average earning assets | $72,916,600 | 4,122 |
| Average equity | $10,655,600 | 3,796 |
| Average total loans | $43,925,800 | 3,991 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3075% | 721 |
| Cost of funding earning assets | 0.4179% | 1,172 |
| Net interest margin | 3.8896% | 820 |
| Noninterest income to average assets | 0.2400% | 3,728 |
| Noninterest expense to average assets | 2.0471% | 3,361 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.3228% | 1,285 |
| Return on assets (ROA) | 1.3202% | 1,263 |
| Pretax return on assets | 1.6331% | 1,044 |
| Return on Equity (ROE) | 9.9900% | 2,724 |
| Retained earnings to average equity (ytd only) | 9.9905% | 1,343 |
| Net charge-offs to loans | 0.0516% | 969 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 59.0588% | 1,179 |
| Efficiency ratio | 55.5752% | 3,668 |
| Assets per employee ($millions) | 5.7257% | 3,012 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6688% | 927 |
| Loan loss allowance to noncurrent loans | 730.1075% | 1,210 |
| Noncurrent assets plus other real estate owned to assets | 0.3181% | 1,669 |
| Noncurrent loans to loans | 0.2286% | 2,475 |
| Net loans and leases to total assets | 49.9100% | 3,469 |
| Net loans and leases to deposits | 59.5434% | 3,239 |
| Net loans and leases to core deposits | 68.0599% | 2,797 |
| Total domestic deposits to total assets | 83.8200% | 3,539 |
| Equity capital to assets | 12.4039% | 796 |
| Core capital (leverage) ratio | 15.2219% | 520 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $81,803,750 | 4,130 |
| Average earning assets | $72,430,500 | 4,157 |
| Average equity | $10,810,000 | 3,829 |
| Average total loans | $43,902,750 | 4,019 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1803% | 661 |
| Cost of funding earning assets | 0.3898% | 985 |
| Net interest margin | 3.7905% | 769 |
| Noninterest income to average assets | 0.2234% | 3,855 |
| Noninterest expense to average assets | 1.9915% | 3,448 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.2750% | 1,208 |
| Return on assets (ROA) | 1.2750% | 1,194 |
| Pretax return on assets | 1.5859% | 973 |
| Return on Equity (ROE) | 9.4603% | 2,537 |
| Retained earnings to average equity (ytd only) | 9.4603% | 1,149 |
| Net charge-offs to loans | 0.0089% | 1,654 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 326.5000% | 374 |
| Efficiency ratio | 55.6687% | 3,806 |
| Assets per employee ($millions) | 5.8865% | 2,844 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5309% | 1,327 |
| Loan loss allowance to noncurrent loans | 537.9845% | 1,471 |
| Noncurrent assets plus other real estate owned to assets | 0.3531% | 1,589 |
| Noncurrent loans to loans | 0.2846% | 2,326 |
| Net loans and leases to total assets | 54.1651% | 2,945 |
| Net loans and leases to deposits | 64.3375% | 2,687 |
| Net loans and leases to core deposits | 73.8135% | 2,190 |
| Total domestic deposits to total assets | 84.1890% | 3,650 |
| Equity capital to assets | 12.2508% | 806 |
| Core capital (leverage) ratio | 14.5012% | 539 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $82,351,667 | 4,173 |
| Average earning assets | $72,865,667 | 4,212 |
| Average equity | $11,099,000 | 3,879 |
| Average total loans | $44,974,333 | 4,047 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0810% | 659 |
| Cost of funding earning assets | 0.3816% | 980 |
| Net interest margin | 3.6995% | 751 |
| Noninterest income to average assets | 0.2041% | 3,939 |
| Noninterest expense to average assets | 2.0505% | 3,297 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.1321% | 1,434 |
| Return on assets (ROA) | 1.1321% | 1,428 |
| Pretax return on assets | 1.4042% | 1,241 |
| Return on Equity (ROE) | 8.0341% | 2,680 |
| Retained earnings to average equity (ytd only) | 8.0341% | 1,573 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3530% | 3,549 |
| Assets per employee ($millions) | 5.9115% | 2,884 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5591% | 1,381 |
| Loan loss allowance to noncurrent loans | 800.0000% | 1,069 |
| Noncurrent assets plus other real estate owned to assets | 0.3262% | 1,808 |
| Noncurrent loans to loans | 0.1949% | 2,839 |
| Net loans and leases to total assets | 53.0987% | 2,863 |
| Net loans and leases to deposits | 64.3176% | 2,501 |
| Net loans and leases to core deposits | 73.2026% | 2,002 |
| Total domestic deposits to total assets | 82.5570% | 4,010 |
| Equity capital to assets | 13.6151% | 585 |
| Core capital (leverage) ratio | 14.1491% | 559 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $82,322,000 | 4,189 |
| Average earning assets | $72,334,500 | 4,233 |
| Average equity | $11,600,500 | 3,897 |
| Average total loans | $44,795,500 | 4,064 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6337% | 469 |
| Cost of funding earning assets | 0.4509% | 1,196 |
| Net interest margin | 4.1828% | 503 |
| Noninterest income to average assets | 0.2345% | 3,975 |
| Noninterest expense to average assets | 2.3073% | 2,773 |
| Loan and lease loss provision to assets | 0.0317% | 2,412 |
| Net operating income to assets | 1.2470% | 1,751 |
| Return on assets (ROA) | 1.2652% | 1,759 |
| Pretax return on assets | 1.5758% | 1,493 |
| Return on Equity (ROE) | 8.4197% | 3,100 |
| Retained earnings to average equity (ytd only) | 5.3825% | 2,628 |
| Net charge-offs to loans | -0.0980% | 4,578 |
| Credit loss provision to net charge-offs | -56.8182% | 3,270 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.2834% | 3,261 |
| Assets per employee ($millions) | 5.8488% | 2,907 |
| Cash dividends to net income (ytd only)* | 36.0721% | 2,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5484% | 1,393 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2235% | 2,439 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 54.0454% | 2,848 |
| Net loans and leases to deposits | 66.5114% | 2,462 |
| Net loans and leases to core deposits | 75.4557% | 1,962 |
| Total domestic deposits to total assets | 81.2574% | 4,071 |
| Equity capital to assets | 14.5732% | 561 |
| Core capital (leverage) ratio | 14.3814% | 558 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.5192% | 599 |
| Memoranda: | ||
| Average total assets | $78,880,200 | 4,232 |
| Average earning assets | $68,973,400 | 4,277 |
| Average equity | $11,853,200 | 3,946 |
| Average total loans | $44,879,800 | 4,091 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8204% | 398 |
| Cost of funding earning assets | 0.4719% | 1,204 |
| Net interest margin | 4.3485% | 408 |
| Noninterest income to average assets | 0.2372% | 3,983 |
| Noninterest expense to average assets | 2.2919% | 2,776 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.3953% | 1,563 |
| Return on assets (ROA) | 1.4198% | 1,543 |
| Pretax return on assets | 1.7816% | 1,202 |
| Return on Equity (ROE) | 9.3745% | 2,973 |
| Retained earnings to average equity (ytd only) | 9.3745% | 1,540 |
| Net charge-offs to loans | 0.0476% | 1,184 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 64.1250% | 1,103 |
| Efficiency ratio | 56.6906% | 3,452 |
| Assets per employee ($millions) | 5.6802% | 3,011 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4441% | 1,835 |
| Loan loss allowance to noncurrent loans | 2,545.8333% | 390 |
| Noncurrent assets plus other real estate owned to assets | 0.2628% | 2,456 |
| Noncurrent loans to loans | 0.0567% | 3,821 |
| Net loans and leases to total assets | 52.4364% | 3,151 |
| Net loans and leases to deposits | 65.3682% | 2,692 |
| Net loans and leases to core deposits | 73.6836% | 2,271 |
| Total domestic deposits to total assets | 80.2170% | 4,200 |
| Equity capital to assets | 15.4094% | 481 |
| Core capital (leverage) ratio | 15.0656% | 486 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.7588% | 547 |
| Memoranda: | ||
| Average total assets | $78,129,500 | 4,297 |
| Average earning assets | $68,373,750 | 4,341 |
| Average equity | $11,833,250 | 4,002 |
| Average total loans | $44,862,250 | 4,150 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8520% | 437 |
| Cost of funding earning assets | 0.4911% | 1,259 |
| Net interest margin | 4.3610% | 441 |
| Noninterest income to average assets | 0.2472% | 3,918 |
| Noninterest expense to average assets | 2.2481% | 2,928 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.4441% | 1,432 |
| Return on assets (ROA) | 1.4807% | 1,407 |
| Pretax return on assets | 1.8644% | 1,088 |
| Return on Equity (ROE) | 9.8349% | 2,808 |
| Retained earnings to average equity (ytd only) | 9.8349% | 1,448 |
| Net charge-offs to loans | -0.0088% | 3,622 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.2882% | 3,629 |
| Assets per employee ($millions) | 5.6576% | 2,952 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4083% | 1,944 |
| Loan loss allowance to noncurrent loans | 3,145.0000% | 295 |
| Noncurrent assets plus other real estate owned to assets | 0.2588% | 2,633 |
| Noncurrent loans to loans | 0.0448% | 3,961 |
| Net loans and leases to total assets | 55.5936% | 2,953 |
| Net loans and leases to deposits | 68.9972% | 2,516 |
| Net loans and leases to core deposits | 76.4400% | 2,196 |
| Total domestic deposits to total assets | 80.5737% | 4,144 |
| Equity capital to assets | 15.0643% | 515 |
| Core capital (leverage) ratio | 14.7264% | 507 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.2373% | 599 |
| Memoranda: | ||
| Average total assets | $77,665,000 | 4,327 |
| Average earning assets | $68,012,667 | 4,367 |
| Average equity | $11,693,000 | 4,024 |
| Average total loans | $45,713,000 | 4,160 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6280% | 627 |
| Cost of funding earning assets | 0.5030% | 1,376 |
| Net interest margin | 4.1250% | 698 |
| Noninterest income to average assets | 0.2549% | 3,872 |
| Noninterest expense to average assets | 2.1744% | 3,182 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.3598% | 1,661 |
| Return on assets (ROA) | 1.3889% | 1,679 |
| Pretax return on assets | 1.7427% | 1,409 |
| Return on Equity (ROE) | 9.2280% | 2,950 |
| Retained earnings to average equity (ytd only) | 9.2280% | 1,877 |
| Net charge-offs to loans | -0.0173% | 3,923 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.0322% | 3,544 |
| Assets per employee ($millions) | 5.5200% | 3,096 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3407% | 2,249 |
| Loan loss allowance to noncurrent loans | 202.9032% | 2,356 |
| Noncurrent assets plus other real estate owned to assets | 0.6483% | 1,461 |
| Noncurrent loans to loans | 0.6608% | 1,922 |
| Net loans and leases to total assets | 59.8939% | 2,553 |
| Net loans and leases to deposits | 74.9692% | 2,026 |
| Net loans and leases to core deposits | 83.3561% | 1,730 |
| Total domestic deposits to total assets | 79.8913% | 4,218 |
| Equity capital to assets | 15.0026% | 492 |
| Core capital (leverage) ratio | 14.5332% | 558 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.3298% | 639 |
| Memoranda: | ||
| Average total assets | $76,894,000 | 4,352 |
| Average earning assets | $67,588,500 | 4,389 |
| Average equity | $11,573,500 | 4,050 |
| Average total loans | $46,238,000 | 4,169 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0072% | 480 |
| Cost of funding earning assets | 0.7171% | 1,635 |
| Net interest margin | 4.2901% | 518 |
| Noninterest income to average assets | 0.7989% | 1,534 |
| Noninterest expense to average assets | 2.4423% | 3,017 |
| Loan and lease loss provision to assets | 0.2111% | 1,864 |
| Net operating income to assets | 1.5089% | 792 |
| Return on assets (ROA) | 1.5275% | 814 |
| Pretax return on assets | 1.9414% | 513 |
| Return on Equity (ROE) | 9.8602% | 2,053 |
| Retained earnings to average equity (ytd only) | 7.1880% | 1,329 |
| Net charge-offs to loans | 0.2442% | 702 |
| Credit loss provision to net charge-offs | 131.8966% | 2,542 |
| Earnings coverage of net charge-offs (x) | 13.3017% | 2,286 |
| Efficiency ratio | 53.4259% | 4,267 |
| Assets per employee ($millions) | 5.4649% | 2,878 |
| Cash dividends to net income (ytd only)* | 27.1003% | 2,968 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3784% | 2,060 |
| Loan loss allowance to noncurrent loans | 52.9065% | 3,979 |
| Noncurrent assets plus other real estate owned to assets | 1.8011% | 343 |
| Noncurrent loans to loans | 2.6053% | 379 |
| Net loans and leases to total assets | 58.7298% | 3,008 |
| Net loans and leases to deposits | 73.6281% | 2,521 |
| Net loans and leases to core deposits | 81.9721% | 2,195 |
| Total domestic deposits to total assets | 79.7655% | 4,082 |
| Equity capital to assets | 15.1004% | 559 |
| Core capital (leverage) ratio | 14.5995% | 568 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.3164% | 736 |
| Memoranda: | ||
| Average total assets | $72,473,200 | 4,351 |
| Average earning assets | $63,727,600 | 4,392 |
| Average equity | $11,227,000 | 4,053 |
| Average total loans | $47,496,800 | 4,156 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0573% | 551 |
| Cost of funding earning assets | 0.7645% | 1,653 |
| Net interest margin | 4.2928% | 589 |
| Noninterest income to average assets | 0.9832% | 1,049 |
| Noninterest expense to average assets | 2.4235% | 3,070 |
| Loan and lease loss provision to assets | 0.0994% | 3,078 |
| Net operating income to assets | 1.7843% | 467 |
| Return on assets (ROA) | 1.8097% | 488 |
| Pretax return on assets | 2.2743% | 295 |
| Return on Equity (ROE) | 11.6038% | 1,479 |
| Retained earnings to average equity (ytd only) | 11.6038% | 485 |
| Net charge-offs to loans | 0.0028% | 3,076 |
| Credit loss provision to net charge-offs | 5,300.0000% | 213 |
| Earnings coverage of net charge-offs (x) | 1,255.0000% | 92 |
| Efficiency ratio | 50.8614% | 4,428 |
| Assets per employee ($millions) | 5.2269% | 2,985 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3779% | 1,837 |
| Loan loss allowance to noncurrent loans | 59.2081% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 1.7068% | 457 |
| Noncurrent loans to loans | 2.3272% | 472 |
| Net loans and leases to total assets | 62.8927% | 2,897 |
| Net loans and leases to deposits | 80.2843% | 2,288 |
| Net loans and leases to core deposits | 88.3088% | 2,116 |
| Total domestic deposits to total assets | 78.3375% | 4,147 |
| Equity capital to assets | 15.9326% | 474 |
| Core capital (leverage) ratio | 14.9346% | 554 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.7371% | 705 |
| Memoranda: | ||
| Average total assets | $71,464,500 | 4,370 |
| Average earning assets | $62,956,750 | 4,416 |
| Average equity | $11,145,500 | 4,070 |
| Average total loans | $47,980,750 | 4,167 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1441% | 631 |
| Cost of funding earning assets | 0.8297% | 1,681 |
| Net interest margin | 4.3144% | 731 |
| Noninterest income to average assets | 1.3344% | 579 |
| Noninterest expense to average assets | 2.3641% | 3,362 |
| Loan and lease loss provision to assets | 0.1495% | 2,511 |
| Net operating income to assets | 2.0582% | 291 |
| Return on assets (ROA) | 2.0961% | 299 |
| Pretax return on assets | 2.6829% | 158 |
| Return on Equity (ROE) | 13.5407% | 967 |
| Retained earnings to average equity (ytd only) | 13.5407% | 304 |
| Net charge-offs to loans | -0.0041% | 3,955 |
| Credit loss provision to net charge-offs | -5,300.0000% | 4,109 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.9178% | 4,728 |
| Assets per employee ($millions) | 5.4222% | 2,714 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3236% | 1,895 |
| Loan loss allowance to noncurrent loans | 438.7755% | 1,127 |
| Noncurrent assets plus other real estate owned to assets | 0.4084% | 2,660 |
| Noncurrent loans to loans | 0.3017% | 3,309 |
| Net loans and leases to total assets | 63.3452% | 2,955 |
| Net loans and leases to deposits | 80.0033% | 2,424 |
| Net loans and leases to core deposits | 99.7718% | 1,271 |
| Total domestic deposits to total assets | 79.1782% | 4,009 |
| Equity capital to assets | 15.0242% | 615 |
| Core capital (leverage) ratio | 14.9242% | 588 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.6935% | 810 |
| Memoranda: | ||
| Average total assets | $70,893,667 | 4,390 |
| Average earning assets | $62,673,667 | 4,430 |
| Average equity | $10,974,333 | 4,096 |
| Average total loans | $48,419,000 | 4,167 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2396% | 613 |
| Cost of funding earning assets | 0.9016% | 1,854 |
| Net interest margin | 4.3381% | 706 |
| Noninterest income to average assets | 2.5152% | 197 |
| Noninterest expense to average assets | 2.4684% | 3,365 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 3.0329% | 63 |
| Return on assets (ROA) | 3.0884% | 60 |
| Pretax return on assets | 4.0009% | 49 |
| Return on Equity (ROE) | 19.6301% | 179 |
| Retained earnings to average equity (ytd only) | 19.6301% | 65 |
| Net charge-offs to loans | -0.0083% | 4,008 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.5740% | 5,004 |
| Assets per employee ($millions) | 4.5469% | 3,198 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2482% | 2,404 |
| Loan loss allowance to noncurrent loans | 131.8486% | 2,787 |
| Noncurrent assets plus other real estate owned to assets | 0.9809% | 1,351 |
| Noncurrent loans to loans | 0.9467% | 1,737 |
| Net loans and leases to total assets | 68.6734% | 2,442 |
| Net loans and leases to deposits | 89.3497% | 1,587 |
| Net loans and leases to core deposits | 115.5952% | 604 |
| Total domestic deposits to total assets | 76.8591% | 4,372 |
| Equity capital to assets | 16.1985% | 548 |
| Core capital (leverage) ratio | 15.8030% | 545 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.1586% | 843 |
| Memoranda: | ||
| Average total assets | $68,385,000 | 4,438 |
| Average earning assets | $61,225,500 | 4,462 |
| Average equity | $10,759,000 | 4,136 |
| Average total loans | $48,263,000 | 4,186 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2234% | 942 |
| Cost of funding earning assets | 0.9197% | 2,117 |
| Net interest margin | 4.3037% | 1,082 |
| Noninterest income to average assets | 0.2216% | 4,340 |
| Noninterest expense to average assets | 2.4534% | 3,569 |
| Loan and lease loss provision to assets | 0.1093% | 1,907 |
| Net operating income to assets | 1.1720% | 2,169 |
| Return on assets (ROA) | 1.1837% | 2,221 |
| Pretax return on assets | 1.4796% | 1,870 |
| Return on Equity (ROE) | 8.0685% | 3,135 |
| Retained earnings to average equity (ytd only) | 6.8761% | 1,441 |
| Net charge-offs to loans | 0.1508% | 1,317 |
| Credit loss provision to net charge-offs | 104.1667% | 2,375 |
| Earnings coverage of net charge-offs (x) | 15.0000% | 2,255 |
| Efficiency ratio | 60.9121% | 3,551 |
| Assets per employee ($millions) | 4.5711% | 3,121 |
| Cash dividends to net income (ytd only)* | 14.7783% | 3,637 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2058% | 2,404 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3209% | 3,134 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 70.7406% | 2,287 |
| Net loans and leases to deposits | 93.9490% | 1,157 |
| Net loans and leases to core deposits | 109.0835% | 908 |
| Total domestic deposits to total assets | 75.2968% | 4,675 |
| Equity capital to assets | 15.2700% | 733 |
| Core capital (leverage) ratio | 15.2994% | 628 |
| Tier 1 risk-based capital ratio | 18.3838% | 1,671 |
| Total risk-based capital ratio | 19.4369% | 1,669 |
| Memoranda: | ||
| Average total assets | $68,599,600 | 4,449 |
| Average earning assets | $60,669,000 | 4,501 |
| Average equity | $10,063,800 | 4,233 |
| Average total loans | $47,759,200 | 4,226 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2197% | 1,000 |
| Cost of funding earning assets | 0.9400% | 2,040 |
| Net interest margin | 4.2797% | 1,205 |
| Noninterest income to average assets | 0.2021% | 4,509 |
| Noninterest expense to average assets | 2.4137% | 3,643 |
| Loan and lease loss provision to assets | 0.1458% | 1,311 |
| Net operating income to assets | 1.1554% | 2,343 |
| Return on assets (ROA) | 1.1680% | 2,392 |
| Pretax return on assets | 1.4361% | 2,172 |
| Return on Equity (ROE) | 8.0435% | 3,286 |
| Retained earnings to average equity (ytd only) | 8.0435% | 1,370 |
| Net charge-offs to loans | 0.1884% | 911 |
| Credit loss provision to net charge-offs | 111.9403% | 2,069 |
| Earnings coverage of net charge-offs (x) | 12.0300% | 2,395 |
| Efficiency ratio | 60.6445% | 3,520 |
| Assets per employee ($millions) | 4.7141% | 2,901 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2773% | 2,082 |
| Loan loss allowance to noncurrent loans | 91.2844% | 3,470 |
| Noncurrent assets plus other real estate owned to assets | 1.3319% | 897 |
| Noncurrent loans to loans | 1.3992% | 1,091 |
| Net loans and leases to total assets | 69.9173% | 2,491 |
| Net loans and leases to deposits | 91.6884% | 1,476 |
| Net loans and leases to core deposits | 107.5267% | 1,081 |
| Total domestic deposits to total assets | 76.2553% | 4,615 |
| Equity capital to assets | 15.7550% | 687 |
| Core capital (leverage) ratio | 14.8429% | 772 |
| Tier 1 risk-based capital ratio | 18.7785% | 1,617 |
| Total risk-based capital ratio | 19.8748% | 1,622 |
| Memoranda: | ||
| Average total assets | $68,608,000 | 4,502 |
| Average earning assets | $60,564,000 | 4,559 |
| Average equity | $9,962,250 | 4,290 |
| Average total loans | $47,425,000 | 4,284 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0412% | 1,367 |
| Cost of funding earning assets | 0.9193% | 2,055 |
| Net interest margin | 4.1220% | 1,545 |
| Noninterest income to average assets | 0.2706% | 4,127 |
| Noninterest expense to average assets | 2.3288% | 3,934 |
| Loan and lease loss provision to assets | 0.0720% | 2,375 |
| Net operating income to assets | 1.2078% | 2,123 |
| Return on assets (ROA) | 1.2148% | 2,154 |
| Pretax return on assets | 1.5055% | 1,842 |
| Return on Equity (ROE) | 8.5973% | 3,028 |
| Retained earnings to average equity (ytd only) | 8.5973% | 1,167 |
| Net charge-offs to loans | 0.2770% | 612 |
| Credit loss provision to net charge-offs | 37.8788% | 2,556 |
| Earnings coverage of net charge-offs (x) | 8.2576% | 2,432 |
| Efficiency ratio | 59.7489% | 3,772 |
| Assets per employee ($millions) | 4.9920% | 2,487 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1405% | 2,842 |
| Loan loss allowance to noncurrent loans | 493.6937% | 1,032 |
| Noncurrent assets plus other real estate owned to assets | 0.5223% | 2,469 |
| Noncurrent loans to loans | 0.2310% | 3,717 |
| Net loans and leases to total assets | 67.9659% | 2,820 |
| Net loans and leases to deposits | 87.7063% | 2,038 |
| Net loans and leases to core deposits | 103.7639% | 1,404 |
| Total domestic deposits to total assets | 77.4926% | 4,485 |
| Equity capital to assets | 14.5318% | 938 |
| Core capital (leverage) ratio | 14.1673% | 914 |
| Tier 1 risk-based capital ratio | 17.8984% | 1,832 |
| Total risk-based capital ratio | 18.8746% | 1,855 |
| Memoranda: | ||
| Average total assets | $69,478,000 | 4,530 |
| Average earning assets | $61,135,670 | 4,582 |
| Average equity | $9,817,000 | 4,328 |
| Average total loans | $47,653,000 | 4,311 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9029% | 1,578 |
| Cost of funding earning assets | 0.8729% | 2,139 |
| Net interest margin | 4.0299% | 1,762 |
| Noninterest income to average assets | 0.2541% | 4,191 |
| Noninterest expense to average assets | 2.3155% | 3,975 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.2010% | 2,051 |
| Return on assets (ROA) | 1.2010% | 2,101 |
| Pretax return on assets | 1.4840% | 1,825 |
| Return on Equity (ROE) | 8.6240% | 2,979 |
| Retained earnings to average equity (ytd only) | 8.6240% | 1,439 |
| Net charge-offs to loans | 0.4214% | 363 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 5.1400% | 2,275 |
| Efficiency ratio | 60.9422% | 3,686 |
| Assets per employee ($millions) | 4.9051% | 2,638 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1386% | 2,916 |
| Loan loss allowance to noncurrent loans | 334.7826% | 1,440 |
| Noncurrent assets plus other real estate owned to assets | 0.6043% | 2,260 |
| Noncurrent loans to loans | 0.3401% | 3,360 |
| Net loans and leases to total assets | 68.1515% | 2,742 |
| Net loans and leases to deposits | 86.5195% | 2,067 |
| Net loans and leases to core deposits | 103.4413% | 1,355 |
| Total domestic deposits to total assets | 78.7701% | 4,391 |
| Equity capital to assets | 14.3159% | 933 |
| Core capital (leverage) ratio | 14.0403% | 938 |
| Tier 1 risk-based capital ratio | 17.6483% | 1,897 |
| Total risk-based capital ratio | 18.6156% | 1,935 |
| Memoranda: | ||
| Average total assets | $69,273,000 | 4,581 |
| Average earning assets | $60,944,000 | 4,635 |
| Average equity | $9,647,500 | 4,378 |
| Average total loans | $47,455,500 | 4,358 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8811% | 1,339 |
| Cost of funding earning assets | 0.7525% | 1,773 |
| Net interest margin | 4.1286% | 1,596 |
| Noninterest income to average assets | 0.2918% | 4,153 |
| Noninterest expense to average assets | 2.3914% | 3,903 |
| Loan and lease loss provision to assets | 0.0733% | 2,669 |
| Net operating income to assets | 1.1375% | 2,444 |
| Return on assets (ROA) | 1.1187% | 2,519 |
| Pretax return on assets | 1.3914% | 2,162 |
| Return on Equity (ROE) | 8.4580% | 3,237 |
| Retained earnings to average equity (ytd only) | 8.4580% | 1,060 |
| Net charge-offs to loans | 0.0520% | 2,411 |
| Credit loss provision to net charge-offs | 208.3333% | 1,388 |
| Earnings coverage of net charge-offs (x) | 42.2917% | 1,264 |
| Efficiency ratio | 61.6402% | 3,600 |
| Assets per employee ($millions) | 4.9910% | 2,518 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2381% | 2,361 |
| Loan loss allowance to noncurrent loans | 336.5714% | 1,503 |
| Noncurrent assets plus other real estate owned to assets | 0.6140% | 2,201 |
| Noncurrent loans to loans | 0.3679% | 3,221 |
| Net loans and leases to total assets | 67.2382% | 2,970 |
| Net loans and leases to deposits | 86.1218% | 2,253 |
| Net loans and leases to core deposits | 104.2284% | 1,394 |
| Total domestic deposits to total assets | 78.0734% | 4,480 |
| Equity capital to assets | 13.5444% | 1,124 |
| Core capital (leverage) ratio | 13.9311% | 940 |
| Tier 1 risk-based capital ratio | 17.1581% | 2,010 |
| Total risk-based capital ratio | 18.2081% | 2,027 |
| Memoranda: | ||
| Average total assets | $68,203,000 | 4,612 |
| Average earning assets | $59,269,400 | 4,682 |
| Average equity | $9,021,000 | 4,455 |
| Average total loans | $46,155,800 | 4,396 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8009% | 1,425 |
| Cost of funding earning assets | 0.7133% | 1,779 |
| Net interest margin | 4.0876% | 1,665 |
| Noninterest income to average assets | 0.2852% | 4,247 |
| Noninterest expense to average assets | 2.4351% | 3,775 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.1271% | 2,543 |
| Return on assets (ROA) | 1.1113% | 2,626 |
| Pretax return on assets | 1.3808% | 2,297 |
| Return on Equity (ROE) | 8.4544% | 3,351 |
| Retained earnings to average equity (ytd only) | 8.4544% | 1,443 |
| Net charge-offs to loans | 0.0291% | 2,514 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 71.2161% | 943 |
| Efficiency ratio | 63.4872% | 3,271 |
| Assets per employee ($millions) | 4.8136% | 2,707 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2042% | 2,595 |
| Loan loss allowance to noncurrent loans | 77.6685% | 3,865 |
| Noncurrent assets plus other real estate owned to assets | 1.4483% | 904 |
| Noncurrent loans to loans | 1.5504% | 1,036 |
| Net loans and leases to total assets | 67.3235% | 3,035 |
| Net loans and leases to deposits | 85.5553% | 2,413 |
| Net loans and leases to core deposits | 103.3415% | 1,503 |
| Total domestic deposits to total assets | 78.6900% | 4,381 |
| Equity capital to assets | 13.5864% | 1,106 |
| Core capital (leverage) ratio | 13.6609% | 1,043 |
| Tier 1 risk-based capital ratio | 17.0980% | 2,065 |
| Total risk-based capital ratio | 18.1010% | 2,106 |
| Memoranda: | ||
| Average total assets | $67,785,250 | 4,666 |
| Average earning assets | $58,876,250 | 4,741 |
| Average equity | $8,910,250 | 4,513 |
| Average total loans | $45,802,000 | 4,460 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6657% | 1,593 |
| Cost of funding earning assets | 0.6189% | 2,115 |
| Net interest margin | 4.0467% | 1,706 |
| Noninterest income to average assets | 0.2739% | 4,358 |
| Noninterest expense to average assets | 2.4707% | 3,714 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.0501% | 2,805 |
| Return on assets (ROA) | 1.0454% | 2,825 |
| Pretax return on assets | 1.3016% | 2,506 |
| Return on Equity (ROE) | 8.0423% | 3,487 |
| Retained earnings to average equity (ytd only) | 8.0423% | 1,613 |
| Net charge-offs to loans | 0.0262% | 2,329 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 74.0000% | 870 |
| Efficiency ratio | 65.3936% | 3,086 |
| Assets per employee ($millions) | 4.6543% | 2,880 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1937% | 2,767 |
| Loan loss allowance to noncurrent loans | 612.0879% | 937 |
| Noncurrent assets plus other real estate owned to assets | 0.5529% | 2,576 |
| Noncurrent loans to loans | 0.1950% | 4,024 |
| Net loans and leases to total assets | 66.0388% | 3,144 |
| Net loans and leases to deposits | 90.6490% | 1,757 |
| Net loans and leases to core deposits | 104.2086% | 1,379 |
| Total domestic deposits to total assets | 72.8511% | 5,128 |
| Equity capital to assets | 12.8869% | 1,354 |
| Core capital (leverage) ratio | 13.6632% | 1,004 |
| Tier 1 risk-based capital ratio | 16.6827% | 2,203 |
| Total risk-based capital ratio | 17.6907% | 2,218 |
| Memoranda: | ||
| Average total assets | $67,916,670 | 4,715 |
| Average earning assets | $58,812,670 | 4,795 |
| Average equity | $8,828,330 | 4,558 |
| Average total loans | $45,761,670 | 4,500 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5871% | 1,611 |
| Cost of funding earning assets | 0.5691% | 2,257 |
| Net interest margin | 4.0180% | 1,668 |
| Noninterest income to average assets | 0.2987% | 4,165 |
| Noninterest expense to average assets | 2.5744% | 3,416 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.9915% | 2,883 |
| Return on assets (ROA) | 0.9915% | 2,909 |
| Pretax return on assets | 1.2245% | 2,663 |
| Return on Equity (ROE) | 7.5938% | 3,541 |
| Retained earnings to average equity (ytd only) | 7.5938% | 1,994 |
| Net charge-offs to loans | 0.0530% | 1,575 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 34.1667% | 1,163 |
| Efficiency ratio | 67.7673% | 2,871 |
| Assets per employee ($millions) | 4.7173% | 2,835 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2361% | 2,601 |
| Loan loss allowance to noncurrent loans | 520.5607% | 1,058 |
| Noncurrent assets plus other real estate owned to assets | 0.6874% | 2,269 |
| Noncurrent loans to loans | 0.2375% | 3,923 |
| Net loans and leases to total assets | 67.3889% | 2,837 |
| Net loans and leases to deposits | 89.2385% | 1,788 |
| Net loans and leases to core deposits | 102.1202% | 1,519 |
| Total domestic deposits to total assets | 75.5156% | 5,016 |
| Equity capital to assets | 13.2870% | 1,120 |
| Core capital (leverage) ratio | 13.2694% | 1,083 |
| Tier 1 risk-based capital ratio | 16.8536% | 2,159 |
| Total risk-based capital ratio | 17.8933% | 2,174 |
| Memoranda: | ||
| Average total assets | $66,967,500 | 4,798 |
| Average earning assets | $58,338,000 | 4,864 |
| Average equity | $8,744,000 | 4,618 |
| Average total loans | $45,311,500 | 4,555 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5635% | 1,528 |
| Cost of funding earning assets | 0.4802% | 2,500 |
| Net interest margin | 4.0833% | 1,502 |
| Noninterest income to average assets | 0.2665% | 4,532 |
| Noninterest expense to average assets | 2.5012% | 3,779 |
| Loan and lease loss provision to assets | 0.7419% | 160 |
| Net operating income to assets | 0.4844% | 4,412 |
| Return on assets (ROA) | 0.4921% | 4,429 |
| Pretax return on assets | 0.5859% | 4,769 |
| Return on Equity (ROE) | 3.7682% | 4,574 |
| Retained earnings to average equity (ytd only) | 3.7682% | 2,964 |
| Net charge-offs to loans | 0.7481% | 276 |
| Credit loss provision to net charge-offs | 148.4848% | 1,801 |
| Earnings coverage of net charge-offs (x) | 2.6394% | 3,724 |
| Efficiency ratio | 64.2489% | 3,570 |
| Assets per employee ($millions) | 4.8495% | 2,675 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2357% | 2,564 |
| Loan loss allowance to noncurrent loans | 568.6869% | 989 |
| Noncurrent assets plus other real estate owned to assets | 0.6761% | 2,290 |
| Noncurrent loans to loans | 0.2173% | 4,037 |
| Net loans and leases to total assets | 66.2778% | 3,060 |
| Net loans and leases to deposits | 86.9426% | 2,138 |
| Net loans and leases to core deposits | 99.3092% | 1,766 |
| Total domestic deposits to total assets | 76.2317% | 4,950 |
| Equity capital to assets | 12.8334% | 1,343 |
| Core capital (leverage) ratio | 13.3086% | 1,036 |
| Tier 1 risk-based capital ratio | 17.3900% | 1,973 |
| Total risk-based capital ratio | 18.4947% | 1,965 |
| Memoranda: | ||
| Average total assets | $66,047,000 | 4,846 |
| Average earning assets | $57,478,000 | 4,921 |
| Average equity | $8,624,800 | 4,680 |
| Average total loans | $44,111,400 | 4,613 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6433% | 1,263 |
| Cost of funding earning assets | 0.4713% | 2,508 |
| Net interest margin | 4.1720% | 1,224 |
| Noninterest income to average assets | 0.2562% | 4,670 |
| Noninterest expense to average assets | 2.5310% | 3,621 |
| Loan and lease loss provision to assets | 0.2541% | 677 |
| Net operating income to assets | 0.8585% | 3,235 |
| Return on assets (ROA) | 0.8681% | 3,233 |
| Pretax return on assets | 1.1181% | 3,237 |
| Return on Equity (ROE) | 6.6179% | 3,854 |
| Retained earnings to average equity (ytd only) | 6.6179% | 1,898 |
| Net charge-offs to loans | 0.0274% | 2,893 |
| Credit loss provision to net charge-offs | 1,388.8889% | 266 |
| Earnings coverage of net charge-offs (x) | 74.3317% | 859 |
| Efficiency ratio | 63.4274% | 3,655 |
| Assets per employee ($millions) | 4.6594% | 2,891 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2091% | 2,879 |
| Loan loss allowance to noncurrent loans | 106.7901% | 3,413 |
| Noncurrent assets plus other real estate owned to assets | 0.8907% | 1,929 |
| Noncurrent loans to loans | 1.1322% | 1,700 |
| Net loans and leases to total assets | 65.0080% | 3,244 |
| Net loans and leases to deposits | 82.5968% | 2,712 |
| Net loans and leases to core deposits | 94.4412% | 2,228 |
| Total domestic deposits to total assets | 78.7052% | 4,593 |
| Equity capital to assets | 13.6329% | 1,107 |
| Core capital (leverage) ratio | 13.4798% | 1,029 |
| Tier 1 risk-based capital ratio | 18.5423% | 1,714 |
| Total risk-based capital ratio | 19.6157% | 1,719 |
| Memoranda: | ||
| Average total assets | $65,585,500 | 4,907 |
| Average earning assets | $57,142,000 | 4,982 |
| Average equity | $8,602,750 | 4,731 |
| Average total loans | $43,749,000 | 4,666 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6044% | 1,243 |
| Cost of funding earning assets | 0.4455% | 2,648 |
| Net interest margin | 4.1589% | 1,174 |
| Noninterest income to average assets | 0.2648% | 4,645 |
| Noninterest expense to average assets | 2.5326% | 3,643 |
| Loan and lease loss provision to assets | 0.2283% | 760 |
| Net operating income to assets | 0.8818% | 3,011 |
| Return on assets (ROA) | 0.8888% | 3,026 |
| Pretax return on assets | 1.1506% | 2,973 |
| Return on Equity (ROE) | 6.8657% | 3,627 |
| Retained earnings to average equity (ytd only) | 6.8657% | 1,658 |
| Net charge-offs to loans | 0.0273% | 2,666 |
| Credit loss provision to net charge-offs | 1,250.0000% | 322 |
| Earnings coverage of net charge-offs (x) | 75.0000% | 802 |
| Efficiency ratio | 63.2605% | 3,792 |
| Assets per employee ($millions) | 4.7881% | 2,670 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0411% | 3,895 |
| Loan loss allowance to noncurrent loans | 122.9167% | 3,180 |
| Noncurrent assets plus other real estate owned to assets | 0.6027% | 2,762 |
| Noncurrent loans to loans | 0.8470% | 2,290 |
| Net loans and leases to total assets | 66.9287% | 2,964 |
| Net loans and leases to deposits | 85.6497% | 2,268 |
| Net loans and leases to core deposits | 98.0699% | 1,800 |
| Total domestic deposits to total assets | 78.1424% | 4,791 |
| Equity capital to assets | 13.0799% | 1,338 |
| Core capital (leverage) ratio | 13.2890% | 1,058 |
| Tier 1 risk-based capital ratio | 17.5097% | 2,007 |
| Total risk-based capital ratio | 18.4463% | 2,048 |
| Memoranda: | ||
| Average total assets | $65,703,330 | 4,937 |
| Average earning assets | $57,467,000 | 5,009 |
| Average equity | $8,506,000 | 4,767 |
| Average total loans | $44,023,670 | 4,686 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6588% | 1,009 |
| Cost of funding earning assets | 0.4286% | 2,731 |
| Net interest margin | 4.2301% | 928 |
| Noninterest income to average assets | 0.2706% | 4,605 |
| Noninterest expense to average assets | 2.7123% | 3,099 |
| Loan and lease loss provision to assets | 0.1538% | 1,194 |
| Net operating income to assets | 0.8610% | 2,939 |
| Return on assets (ROA) | 0.8610% | 2,982 |
| Pretax return on assets | 1.1070% | 2,954 |
| Return on Equity (ROE) | 6.6866% | 3,560 |
| Retained earnings to average equity (ytd only) | 6.6866% | 1,989 |
| Net charge-offs to loans | 0.0184% | 2,419 |
| Credit loss provision to net charge-offs | 1,250.0000% | 254 |
| Earnings coverage of net charge-offs (x) | 102.5000% | 521 |
| Efficiency ratio | 66.7183% | 3,377 |
| Assets per employee ($millions) | 4.6876% | 2,864 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9774% | 4,411 |
| Loan loss allowance to noncurrent loans | 82.2394% | 3,956 |
| Noncurrent assets plus other real estate owned to assets | 0.8198% | 2,245 |
| Noncurrent loans to loans | 1.1885% | 1,699 |
| Net loans and leases to total assets | 65.7656% | 3,007 |
| Net loans and leases to deposits | 85.1400% | 2,145 |
| Net loans and leases to core deposits | 95.8770% | 1,827 |
| Total domestic deposits to total assets | 77.2441% | 5,086 |
| Equity capital to assets | 12.9246% | 1,288 |
| Core capital (leverage) ratio | 13.3022% | 1,034 |
| Tier 1 risk-based capital ratio | 17.9342% | 1,899 |
| Total risk-based capital ratio | 18.8158% | 1,970 |
| Memoranda: | ||
| Average total assets | $65,038,000 | 5,004 |
| Average earning assets | $56,925,000 | 5,077 |
| Average equity | $8,375,000 | 4,830 |
| Average total loans | $43,367,000 | 4,746 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5921% | 1,301 |
| Cost of funding earning assets | 0.4093% | 2,913 |
| Net interest margin | 4.1829% | 1,158 |
| Noninterest income to average assets | 0.2446% | 4,960 |
| Noninterest expense to average assets | 2.5656% | 3,790 |
| Loan and lease loss provision to assets | 0.1647% | 1,498 |
| Net operating income to assets | 0.9395% | 2,638 |
| Return on assets (ROA) | 1.1338% | 1,850 |
| Pretax return on assets | 1.4882% | 1,621 |
| Return on Equity (ROE) | 8.8586% | 2,490 |
| Retained earnings to average equity (ytd only) | 8.8586% | 615 |
| Net charge-offs to loans | 0.2135% | 1,301 |
| Credit loss provision to net charge-offs | 119.3182% | 2,226 |
| Earnings coverage of net charge-offs (x) | 10.1250% | 2,673 |
| Efficiency ratio | 63.1183% | 4,088 |
| Assets per employee ($millions) | 4.6035% | 2,953 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9340% | 4,639 |
| Loan loss allowance to noncurrent loans | 97.3430% | 3,683 |
| Noncurrent assets plus other real estate owned to assets | 0.6734% | 2,691 |
| Noncurrent loans to loans | 0.9595% | 2,164 |
| Net loans and leases to total assets | 66.3238% | 3,023 |
| Net loans and leases to deposits | 85.4404% | 2,244 |
| Net loans and leases to core deposits | 96.3767% | 1,891 |
| Total domestic deposits to total assets | 77.6257% | 5,026 |
| Equity capital to assets | 12.8287% | 1,334 |
| Core capital (leverage) ratio | 13.7186% | 894 |
| Tier 1 risk-based capital ratio | 17.8648% | 1,888 |
| Total risk-based capital ratio | 18.7099% | 1,981 |
| Memoranda: | ||
| Average total assets | $63,767,800 | 5,054 |
| Average earning assets | $56,683,800 | 5,112 |
| Average equity | $8,161,600 | 4,904 |
| Average total loans | $41,223,400 | 4,837 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6272% | 1,243 |
| Cost of funding earning assets | 0.4095% | 2,930 |
| Net interest margin | 4.2177% | 1,086 |
| Noninterest income to average assets | 0.2411% | 5,032 |
| Noninterest expense to average assets | 2.5451% | 3,846 |
| Loan and lease loss provision to assets | 0.1677% | 1,363 |
| Net operating income to assets | 0.9948% | 2,457 |
| Return on assets (ROA) | 1.2159% | 1,682 |
| Pretax return on assets | 1.5723% | 1,459 |
| Return on Equity (ROE) | 9.5060% | 2,268 |
| Retained earnings to average equity (ytd only) | 9.5060% | 689 |
| Net charge-offs to loans | 0.0425% | 2,789 |
| Credit loss provision to net charge-offs | 615.3846% | 603 |
| Earnings coverage of net charge-offs (x) | 53.3168% | 1,026 |
| Efficiency ratio | 62.0346% | 4,225 |
| Assets per employee ($millions) | 4.3109% | 3,397 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1229% | 3,715 |
| Loan loss allowance to noncurrent loans | 245.4054% | 1,922 |
| Noncurrent assets plus other real estate owned to assets | 0.3397% | 4,048 |
| Noncurrent loans to loans | 0.4576% | 3,644 |
| Net loans and leases to total assets | 66.2414% | 3,083 |
| Net loans and leases to deposits | 81.5112% | 2,796 |
| Net loans and leases to core deposits | 92.1789% | 2,357 |
| Total domestic deposits to total assets | 81.2666% | 4,177 |
| Equity capital to assets | 13.9581% | 1,052 |
| Core capital (leverage) ratio | 13.3925% | 1,037 |
| Tier 1 risk-based capital ratio | 18.6646% | 1,745 |
| Total risk-based capital ratio | 19.6771% | 1,767 |
| Memoranda: | ||
| Average total assets | $63,597,500 | 5,106 |
| Average earning assets | $56,649,250 | 5,158 |
| Average equity | $8,135,000 | 4,958 |
| Average total loans | $40,742,250 | 4,897 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5628% | 1,349 |
| Cost of funding earning assets | 0.4044% | 2,986 |
| Net interest margin | 4.1584% | 1,206 |
| Noninterest income to average assets | 0.2288% | 5,117 |
| Noninterest expense to average assets | 2.4737% | 4,107 |
| Loan and lease loss provision to assets | 0.1701% | 1,307 |
| Net operating income to assets | 1.0203% | 2,296 |
| Return on assets (ROA) | 1.1843% | 1,755 |
| Pretax return on assets | 1.5152% | 1,623 |
| Return on Equity (ROE) | 9.5289% | 2,258 |
| Retained earnings to average equity (ytd only) | 9.5289% | 706 |
| Net charge-offs to loans | 0.0490% | 2,503 |
| Credit loss provision to net charge-offs | 550.0000% | 612 |
| Earnings coverage of net charge-offs (x) | 47.7000% | 1,023 |
| Efficiency ratio | 61.0023% | 4,512 |
| Assets per employee ($millions) | 4.4744% | 3,076 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0646% | 4,141 |
| Loan loss allowance to noncurrent loans | 1,164.8649% | 521 |
| Noncurrent assets plus other real estate owned to assets | 0.0910% | 5,157 |
| Noncurrent loans to loans | 0.0914% | 5,084 |
| Net loans and leases to total assets | 63.9395% | 3,370 |
| Net loans and leases to deposits | 79.1186% | 3,040 |
| Net loans and leases to core deposits | 90.5193% | 2,487 |
| Total domestic deposits to total assets | 80.8148% | 4,326 |
| Equity capital to assets | 13.3090% | 1,328 |
| Core capital (leverage) ratio | 12.9635% | 1,161 |
| Tier 1 risk-based capital ratio | 18.3244% | 1,843 |
| Total risk-based capital ratio | 19.2914% | 1,888 |
| Memoranda: | ||
| Average total assets | $64,679,330 | 5,130 |
| Average earning assets | $57,859,330 | 5,176 |
| Average equity | $8,038,670 | 5,014 |
| Average total loans | $40,845,670 | 4,940 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5334% | 1,417 |
| Cost of funding earning assets | 0.4046% | 3,014 |
| Net interest margin | 4.1287% | 1,268 |
| Noninterest income to average assets | 0.2253% | 5,129 |
| Noninterest expense to average assets | 2.2223% | 4,854 |
| Loan and lease loss provision to assets | 0.1522% | 1,390 |
| Net operating income to assets | 1.1660% | 1,658 |
| Return on assets (ROA) | 1.3395% | 1,235 |
| Pretax return on assets | 1.7413% | 966 |
| Return on Equity (ROE) | 11.1541% | 1,548 |
| Retained earnings to average equity (ytd only) | 11.1541% | 626 |
| Net charge-offs to loans | -0.0097% | 4,523 |
| Credit loss provision to net charge-offs | -2,500.0000% | 4,919 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.5556% | 5,234 |
| Assets per employee ($millions) | 4.6647% | 2,796 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9770% | 4,725 |
| Loan loss allowance to noncurrent loans | 64.1304% | 4,464 |
| Noncurrent assets plus other real estate owned to assets | 1.0168% | 2,173 |
| Noncurrent loans to loans | 1.5235% | 1,537 |
| Net loans and leases to total assets | 64.0967% | 3,231 |
| Net loans and leases to deposits | 80.9574% | 2,675 |
| Net loans and leases to core deposits | 92.8529% | 2,105 |
| Total domestic deposits to total assets | 79.1734% | 4,927 |
| Equity capital to assets | 12.3419% | 1,789 |
| Core capital (leverage) ratio | 12.3240% | 1,422 |
| Tier 1 risk-based capital ratio | 17.1307% | 2,240 |
| Total risk-based capital ratio | 18.0153% | 2,319 |
| Memoranda: | ||
| Average total assets | $65,698,000 | 5,161 |
| Average earning assets | $58,323,000 | 5,207 |
| Average equity | $7,889,500 | 5,078 |
| Average total loans | $41,026,500 | 4,974 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4002% | 1,903 |
| Cost of funding earning assets | 0.3585% | 3,609 |
| Net interest margin | 4.0417% | 1,586 |
| Noninterest income to average assets | 0.2472% | 5,115 |
| Noninterest expense to average assets | 2.4111% | 4,485 |
| Loan and lease loss provision to assets | 0.1399% | 1,696 |
| Net operating income to assets | 1.0670% | 2,056 |
| Return on assets (ROA) | 1.1690% | 1,744 |
| Pretax return on assets | 1.4504% | 1,722 |
| Return on Equity (ROE) | 10.2405% | 1,906 |
| Retained earnings to average equity (ytd only) | 10.2405% | 433 |
| Net charge-offs to loans | 0.1003% | 2,411 |
| Credit loss provision to net charge-offs | 236.8421% | 1,205 |
| Earnings coverage of net charge-offs (x) | 24.7895% | 1,653 |
| Efficiency ratio | 60.5696% | 4,823 |
| Assets per employee ($millions) | 4.7207% | 2,703 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9728% | 4,746 |
| Loan loss allowance to noncurrent loans | 774.0000% | 745 |
| Noncurrent assets plus other real estate owned to assets | 0.1059% | 5,177 |
| Noncurrent loans to loans | 0.1257% | 4,993 |
| Net loans and leases to total assets | 59.6066% | 3,888 |
| Net loans and leases to deposits | 74.2610% | 3,460 |
| Net loans and leases to core deposits | 83.5965% | 2,999 |
| Total domestic deposits to total assets | 80.2663% | 4,677 |
| Equity capital to assets | 11.6795% | 2,209 |
| Core capital (leverage) ratio | 12.0993% | 1,563 |
| Tier 1 risk-based capital ratio | 17.5645% | 2,104 |
| Total risk-based capital ratio | 18.4376% | 2,178 |
| Memoranda: | ||
| Average total assets | $64,327,000 | 5,215 |
| Average earning assets | $57,747,400 | 5,245 |
| Average equity | $7,343,400 | 5,182 |
| Average total loans | $37,890,400 | 5,090 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3682% | 2,019 |
| Cost of funding earning assets | 0.3536% | 3,718 |
| Net interest margin | 4.0145% | 1,651 |
| Noninterest income to average assets | 0.2463% | 5,171 |
| Noninterest expense to average assets | 2.3500% | 4,651 |
| Loan and lease loss provision to assets | 0.1044% | 2,121 |
| Net operating income to assets | 1.1410% | 1,860 |
| Return on assets (ROA) | 1.2543% | 1,525 |
| Pretax return on assets | 1.5569% | 1,515 |
| Return on Equity (ROE) | 11.0533% | 1,686 |
| Retained earnings to average equity (ytd only) | 11.0533% | 467 |
| Net charge-offs to loans | 0.0036% | 4,060 |
| Credit loss provision to net charge-offs | 5,000.0000% | 79 |
| Earnings coverage of net charge-offs (x) | 730.8120% | 103 |
| Efficiency ratio | 59.0296% | 5,004 |
| Assets per employee ($millions) | 4.4209% | 3,143 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0499% | 4,467 |
| Loan loss allowance to noncurrent loans | 540.8451% | 958 |
| Noncurrent assets plus other real estate owned to assets | 0.1147% | 5,290 |
| Noncurrent loans to loans | 0.1941% | 4,871 |
| Net loans and leases to total assets | 58.4728% | 4,085 |
| Net loans and leases to deposits | 70.0691% | 3,977 |
| Net loans and leases to core deposits | 78.8058% | 3,528 |
| Total domestic deposits to total assets | 83.4502% | 3,632 |
| Equity capital to assets | 12.1550% | 1,996 |
| Core capital (leverage) ratio | 11.7929% | 1,825 |
| Tier 1 risk-based capital ratio | 18.4773% | 1,907 |
| Total risk-based capital ratio | 19.4072% | 1,955 |
| Memoranda: | ||
| Average total assets | $63,886,250 | 5,287 |
| Average earning assets | $57,688,750 | 5,315 |
| Average equity | $7,249,500 | 5,267 |
| Average total loans | $37,417,750 | 5,165 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2833% | 2,218 |
| Cost of funding earning assets | 0.3392% | 3,933 |
| Net interest margin | 3.9441% | 1,837 |
| Noninterest income to average assets | 0.2386% | 5,251 |
| Noninterest expense to average assets | 2.3423% | 4,735 |
| Loan and lease loss provision to assets | 0.0620% | 2,871 |
| Net operating income to assets | 1.1253% | 1,857 |
| Return on assets (ROA) | 1.2269% | 1,593 |
| Pretax return on assets | 1.5275% | 1,565 |
| Return on Equity (ROE) | 11.0640% | 1,660 |
| Retained earnings to average equity (ytd only) | 11.0640% | 501 |
| Net charge-offs to loans | 0.0106% | 3,542 |
| Credit loss provision to net charge-offs | 1,000.0000% | 348 |
| Earnings coverage of net charge-offs (x) | 236.0000% | 295 |
| Efficiency ratio | 59.8534% | 5,005 |
| Assets per employee ($millions) | 4.7276% | 2,637 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9109% | 5,264 |
| Loan loss allowance to noncurrent loans | 1,857.8947% | 315 |
| Noncurrent assets plus other real estate owned to assets | 0.0287% | 5,765 |
| Noncurrent loans to loans | 0.0490% | 5,549 |
| Net loans and leases to total assets | 58.0153% | 4,097 |
| Net loans and leases to deposits | 70.0246% | 3,930 |
| Net loans and leases to core deposits | 78.1893% | 3,556 |
| Total domestic deposits to total assets | 82.8498% | 4,005 |
| Equity capital to assets | 10.9132% | 2,978 |
| Core capital (leverage) ratio | 11.3589% | 2,114 |
| Tier 1 risk-based capital ratio | 17.0480% | 2,385 |
| Total risk-based capital ratio | 17.8588% | 2,517 |
| Memoranda: | ||
| Average total assets | $64,551,000 | 5,333 |
| Average earning assets | $58,365,670 | 5,358 |
| Average equity | $7,158,330 | 5,329 |
| Average total loans | $37,699,000 | 5,194 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2496% | 2,277 |
| Cost of funding earning assets | 0.3258% | 4,155 |
| Net interest margin | 3.9237% | 1,808 |
| Noninterest income to average assets | 0.2448% | 5,219 |
| Noninterest expense to average assets | 2.3347% | 4,789 |
| Loan and lease loss provision to assets | 0.1255% | 1,652 |
| Net operating income to assets | 1.0977% | 1,880 |
| Return on assets (ROA) | 1.1234% | 1,890 |
| Pretax return on assets | 1.3682% | 2,005 |
| Return on Equity (ROE) | 10.0477% | 1,981 |
| Retained earnings to average equity (ytd only) | 10.0477% | 913 |
| Net charge-offs to loans | -0.0108% | 4,749 |
| Credit loss provision to net charge-offs | -2,000.0000% | 5,129 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8347% | 5,111 |
| Assets per employee ($millions) | 4.5573% | 2,963 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9552% | 5,228 |
| Loan loss allowance to noncurrent loans | 17,800.0000% | 44 |
| Noncurrent assets plus other real estate owned to assets | 0.0031% | 5,958 |
| Noncurrent loans to loans | 0.0054% | 5,791 |
| Net loans and leases to total assets | 57.8571% | 3,963 |
| Net loans and leases to deposits | 66.5837% | 4,095 |
| Net loans and leases to core deposits | 73.8797% | 3,792 |
| Total domestic deposits to total assets | 86.8938% | 2,429 |
| Equity capital to assets | 11.3523% | 2,595 |
| Core capital (leverage) ratio | 11.3376% | 2,125 |
| Tier 1 risk-based capital ratio | 17.1663% | 2,417 |
| Total risk-based capital ratio | 18.0153% | 2,524 |
| Memoranda: | ||
| Average total assets | $63,733,500 | 5,403 |
| Average earning assets | $57,700,000 | 5,431 |
| Average equity | $7,126,000 | 5,381 |
| Average total loans | $37,173,000 | 5,238 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1422% | 3,157 |
| Cost of funding earning assets | 0.3424% | 4,338 |
| Net interest margin | 3.7998% | 2,624 |
| Noninterest income to average assets | 0.2820% | 5,105 |
| Noninterest expense to average assets | 2.3723% | 4,916 |
| Loan and lease loss provision to assets | 0.0542% | 3,473 |
| Net operating income to assets | 1.0503% | 2,160 |
| Return on assets (ROA) | 1.2698% | 1,422 |
| Pretax return on assets | 1.5120% | 1,498 |
| Return on Equity (ROE) | 12.3398% | 1,311 |
| Retained earnings to average equity (ytd only) | 12.3398% | 274 |
| Net charge-offs to loans | 0.3447% | 1,272 |
| Credit loss provision to net charge-offs | 29.5652% | 3,839 |
| Earnings coverage of net charge-offs (x) | 7.1217% | 3,082 |
| Efficiency ratio | 62.7383% | 4,790 |
| Assets per employee ($millions) | 4.2443% | 3,459 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9009% | 5,472 |
| Loan loss allowance to noncurrent loans | 130.9804% | 3,103 |
| Noncurrent assets plus other real estate owned to assets | 0.4005% | 4,495 |
| Noncurrent loans to loans | 0.6878% | 3,625 |
| Net loans and leases to total assets | 57.7115% | 4,087 |
| Net loans and leases to deposits | 65.2449% | 4,409 |
| Net loans and leases to core deposits | 72.2713% | 4,096 |
| Total domestic deposits to total assets | 88.4536% | 1,544 |
| Equity capital to assets | 11.0092% | 2,889 |
| Core capital (leverage) ratio | 11.0398% | 2,368 |
| Tier 1 risk-based capital ratio | 16.6018% | 2,671 |
| Total risk-based capital ratio | 17.3997% | 2,835 |
| Memoranda: | ||
| Average total assets | $62,766,000 | 5,480 |
| Average earning assets | $56,081,200 | 5,518 |
| Average equity | $6,458,800 | 5,537 |
| Average total loans | $33,366,600 | 5,426 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0768% | 3,471 |
| Cost of funding earning assets | 0.3439% | 4,409 |
| Net interest margin | 3.7329% | 2,885 |
| Noninterest income to average assets | 0.2963% | 5,082 |
| Noninterest expense to average assets | 2.3131% | 5,073 |
| Loan and lease loss provision to assets | 0.0725% | 2,893 |
| Net operating income to assets | 1.0801% | 2,110 |
| Return on assets (ROA) | 1.2173% | 1,683 |
| Pretax return on assets | 1.4006% | 2,003 |
| Return on Equity (ROE) | 12.0437% | 1,465 |
| Retained earnings to average equity (ytd only) | 12.0437% | 414 |
| Net charge-offs to loans | 0.4398% | 894 |
| Credit loss provision to net charge-offs | 31.7757% | 3,426 |
| Earnings coverage of net charge-offs (x) | 5.7665% | 3,200 |
| Efficiency ratio | 63.7485% | 4,590 |
| Assets per employee ($millions) | 4.2179% | 3,443 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0645% | 4,922 |
| Loan loss allowance to noncurrent loans | 8,550.0000% | 88 |
| Noncurrent assets plus other real estate owned to assets | 0.0063% | 6,178 |
| Noncurrent loans to loans | 0.0124% | 5,984 |
| Net loans and leases to total assets | 50.2410% | 4,980 |
| Net loans and leases to deposits | 58.7908% | 5,033 |
| Net loans and leases to core deposits | 64.7485% | 4,823 |
| Total domestic deposits to total assets | 85.4573% | 3,129 |
| Equity capital to assets | 10.6118% | 3,419 |
| Core capital (leverage) ratio | 10.7584% | 2,750 |
| Tier 1 risk-based capital ratio | 17.5311% | 2,386 |
| Total risk-based capital ratio | 18.4242% | 2,497 |
| Memoranda: | ||
| Average total assets | $62,541,250 | 5,549 |
| Average earning assets | $55,826,000 | 5,589 |
| Average equity | $6,321,250 | 5,619 |
| Average total loans | $32,439,250 | 5,516 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1458% | 3,166 |
| Cost of funding earning assets | 0.3431% | 4,508 |
| Net interest margin | 3.8027% | 2,565 |
| Noninterest income to average assets | 0.3050% | 4,964 |
| Noninterest expense to average assets | 2.2087% | 5,393 |
| Loan and lease loss provision to assets | 0.0867% | 2,580 |
| Net operating income to assets | 1.2064% | 1,568 |
| Return on assets (ROA) | 1.2938% | 1,381 |
| Pretax return on assets | 1.5281% | 1,457 |
| Return on Equity (ROE) | 13.0203% | 1,168 |
| Retained earnings to average equity (ytd only) | 13.0203% | 335 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3615% | 5,377 |
| Assets per employee ($millions) | 4.2665% | 3,340 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3572% | 3,552 |
| Loan loss allowance to noncurrent loans | 29.3298% | 5,802 |
| Noncurrent assets plus other real estate owned to assets | 2.3548% | 1,243 |
| Noncurrent loans to loans | 4.6275% | 461 |
| Net loans and leases to total assets | 50.1953% | 4,942 |
| Net loans and leases to deposits | 58.9334% | 4,958 |
| Net loans and leases to core deposits | 66.1900% | 4,619 |
| Total domestic deposits to total assets | 85.1730% | 3,420 |
| Equity capital to assets | 10.1706% | 3,870 |
| Core capital (leverage) ratio | 10.5075% | 2,941 |
| Tier 1 risk-based capital ratio | 17.1749% | 2,549 |
| Total risk-based capital ratio | 18.3367% | 2,548 |
| Memoranda: | ||
| Average total assets | $62,298,670 | 5,604 |
| Average earning assets | $55,960,000 | 5,624 |
| Average equity | $6,190,330 | 5,681 |
| Average total loans | $32,542,670 | 5,551 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1808% | 2,942 |
| Cost of funding earning assets | 0.3442% | 4,598 |
| Net interest margin | 3.8366% | 2,316 |
| Noninterest income to average assets | 0.3515% | 4,563 |
| Noninterest expense to average assets | 2.2197% | 5,416 |
| Loan and lease loss provision to assets | 0.1758% | 1,374 |
| Net operating income to assets | 1.2113% | 1,455 |
| Return on assets (ROA) | 1.2824% | 1,309 |
| Pretax return on assets | 1.5232% | 1,361 |
| Return on Equity (ROE) | 13.0658% | 1,145 |
| Retained earnings to average equity (ytd only) | 13.0658% | 477 |
| Net charge-offs to loans | -0.0123% | 5,130 |
| Credit loss provision to net charge-offs | -2,700.0000% | 5,525 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.8947% | 5,657 |
| Assets per employee ($millions) | 4.0818% | 3,754 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3625% | 3,778 |
| Loan loss allowance to noncurrent loans | 30.4049% | 5,847 |
| Noncurrent assets plus other real estate owned to assets | 2.3797% | 1,366 |
| Noncurrent loans to loans | 4.4813% | 540 |
| Net loans and leases to total assets | 52.3789% | 4,633 |
| Net loans and leases to deposits | 61.9495% | 4,553 |
| Net loans and leases to core deposits | 69.4396% | 4,159 |
| Total domestic deposits to total assets | 84.5509% | 4,065 |
| Equity capital to assets | 10.2765% | 3,510 |
| Core capital (leverage) ratio | 10.3535% | 3,111 |
| Tier 1 risk-based capital ratio | 17.0012% | 2,692 |
| Total risk-based capital ratio | 18.1933% | 2,668 |
| Memoranda: | ||
| Average total assets | $61,449,000 | 5,674 |
| Average earning assets | $55,779,000 | 5,674 |
| Average equity | $6,031,000 | 5,740 |
| Average total loans | $32,531,000 | 5,609 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0226% | 4,009 |
| Cost of funding earning assets | 0.3935% | 4,725 |
| Net interest margin | 3.6291% | 3,332 |
| Noninterest income to average assets | 0.2663% | 5,440 |
| Noninterest expense to average assets | 2.3071% | 5,364 |
| Loan and lease loss provision to assets | 0.1025% | 3,087 |
| Net operating income to assets | 0.9730% | 2,453 |
| Return on assets (ROA) | 1.2503% | 1,446 |
| Pretax return on assets | 1.4587% | 1,589 |
| Return on Equity (ROE) | 12.4765% | 1,283 |
| Retained earnings to average equity (ytd only) | 7.1954% | 1,361 |
| Net charge-offs to loans | 0.0240% | 4,947 |
| Credit loss provision to net charge-offs | 885.7143% | 284 |
| Earnings coverage of net charge-offs (x) | 107.0000% | 441 |
| Efficiency ratio | 65.0653% | 4,720 |
| Assets per employee ($millions) | 4.1114% | 3,624 |
| Cash dividends to net income (ytd only)* | 42.3280% | 2,693 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2750% | 4,272 |
| Loan loss allowance to noncurrent loans | 28.5420% | 5,982 |
| Noncurrent assets plus other real estate owned to assets | 2.3577% | 1,474 |
| Noncurrent loans to loans | 4.4671% | 594 |
| Net loans and leases to total assets | 52.1055% | 4,835 |
| Net loans and leases to deposits | 57.5899% | 5,157 |
| Net loans and leases to core deposits | 64.3787% | 4,833 |
| Total domestic deposits to total assets | 90.4769% | 828 |
| Equity capital to assets | 9.3561% | 4,610 |
| Core capital (leverage) ratio | 10.3307% | 3,114 |
| Tier 1 risk-based capital ratio | 16.3194% | 2,955 |
| Total risk-based capital ratio | 17.4279% | 2,969 |
| Memoranda: | ||
| Average total assets | $60,464,400 | 5,741 |
| Average earning assets | $54,641,600 | 5,741 |
| Average equity | $6,059,400 | 5,811 |
| Average total loans | $29,157,800 | 5,802 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0610% | 3,890 |
| Cost of funding earning assets | 0.4081% | 4,753 |
| Net interest margin | 3.6529% | 3,219 |
| Noninterest income to average assets | 0.2770% | 5,466 |
| Noninterest expense to average assets | 2.2073% | 5,590 |
| Loan and lease loss provision to assets | 0.1396% | 2,547 |
| Net operating income to assets | 1.0317% | 2,251 |
| Return on assets (ROA) | 1.4028% | 1,143 |
| Pretax return on assets | 1.6599% | 1,185 |
| Return on Equity (ROE) | 13.7641% | 1,048 |
| Retained earnings to average equity (ytd only) | 7.2408% | 1,773 |
| Net charge-offs to loans | 0.0188% | 4,751 |
| Credit loss provision to net charge-offs | 1,575.0000% | 202 |
| Earnings coverage of net charge-offs (x) | 153.8424% | 362 |
| Efficiency ratio | 61.8250% | 5,160 |
| Assets per employee ($millions) | 3.8245% | 4,180 |
| Cash dividends to net income (ytd only)* | 47.3933% | 1,989 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4811% | 3,531 |
| Loan loss allowance to noncurrent loans | 8,380.0000% | 90 |
| Noncurrent assets plus other real estate owned to assets | 0.0087% | 6,478 |
| Noncurrent loans to loans | 0.0177% | 6,300 |
| Net loans and leases to total assets | 48.5828% | 5,289 |
| Net loans and leases to deposits | 53.9759% | 5,539 |
| Net loans and leases to core deposits | 61.1850% | 5,197 |
| Total domestic deposits to total assets | 90.0084% | 991 |
| Equity capital to assets | 9.7929% | 4,195 |
| Core capital (leverage) ratio | 10.1627% | 3,457 |
| Tier 1 risk-based capital ratio | 18.3397% | 2,203 |
| Total risk-based capital ratio | 19.5903% | 2,163 |
| Memoranda: | ||
| Average total assets | $60,162,750 | 5,813 |
| Average earning assets | $54,238,750 | 5,821 |
| Average equity | $6,131,750 | 5,857 |
| Average total loans | $28,310,000 | 5,889 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9697% | 4,228 |
| Cost of funding earning assets | 0.4169% | 4,783 |
| Net interest margin | 3.5528% | 3,552 |
| Noninterest income to average assets | 0.3012% | 5,299 |
| Noninterest expense to average assets | 2.1377% | 5,784 |
| Loan and lease loss provision to assets | 0.0393% | 4,163 |
| Net operating income to assets | 1.1214% | 1,857 |
| Return on assets (ROA) | 1.4404% | 1,082 |
| Pretax return on assets | 1.7121% | 1,089 |
| Return on Equity (ROE) | 13.9616% | 1,016 |
| Retained earnings to average equity (ytd only) | 9.2020% | 1,057 |
| Net charge-offs to loans | 0.0212% | 4,414 |
| Credit loss provision to net charge-offs | 400.0000% | 655 |
| Earnings coverage of net charge-offs (x) | 139.6667% | 353 |
| Efficiency ratio | 60.9142% | 5,348 |
| Assets per employee ($millions) | 3.9955% | 3,813 |
| Cash dividends to net income (ytd only)* | 34.0909% | 2,496 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2611% | 4,690 |
| Loan loss allowance to noncurrent loans | 7,380.0000% | 102 |
| Noncurrent assets plus other real estate owned to assets | 0.0083% | 6,535 |
| Noncurrent loans to loans | 0.0171% | 6,370 |
| Net loans and leases to total assets | 48.2055% | 5,311 |
| Net loans and leases to deposits | 56.9505% | 5,252 |
| Net loans and leases to core deposits | 64.1381% | 4,879 |
| Total domestic deposits to total assets | 84.6445% | 4,062 |
| Equity capital to assets | 10.1347% | 3,743 |
| Core capital (leverage) ratio | 9.7436% | 3,874 |
| Tier 1 risk-based capital ratio | 17.5650% | 2,491 |
| Total risk-based capital ratio | 18.6554% | 2,522 |
| Memoranda: | ||
| Average total assets | $61,094,330 | 5,834 |
| Average earning assets | $55,167,670 | 5,821 |
| Average equity | $6,303,000 | 5,853 |
| Average total loans | $28,316,670 | 5,919 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8405% | 4,677 |
| Cost of funding earning assets | 0.4156% | 4,958 |
| Net interest margin | 3.4249% | 4,029 |
| Noninterest income to average assets | 0.2594% | 5,606 |
| Noninterest expense to average assets | 2.1792% | 5,744 |
| Loan and lease loss provision to assets | 0.0130% | 4,289 |
| Net operating income to assets | 0.9979% | 2,231 |
| Return on assets (ROA) | 1.2712% | 1,453 |
| Pretax return on assets | 1.4852% | 1,601 |
| Return on Equity (ROE) | 12.2166% | 1,361 |
| Retained earnings to average equity (ytd only) | 12.2166% | 665 |
| Net charge-offs to loans | 0.0287% | 3,624 |
| Credit loss provision to net charge-offs | 100.0000% | 1,815 |
| Earnings coverage of net charge-offs (x) | 91.0000% | 420 |
| Efficiency ratio | 64.8649% | 4,846 |
| Assets per employee ($millions) | 4.0067% | 3,930 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2832% | 4,780 |
| Loan loss allowance to noncurrent loans | 12,000.0000% | 62 |
| Noncurrent assets plus other real estate owned to assets | 0.0050% | 6,619 |
| Noncurrent loans to loans | 0.0107% | 6,471 |
| Net loans and leases to total assets | 46.0799% | 5,431 |
| Net loans and leases to deposits | 53.7143% | 5,458 |
| Net loans and leases to core deposits | 59.3999% | 5,202 |
| Total domestic deposits to total assets | 85.7870% | 3,642 |
| Equity capital to assets | 10.8552% | 3,136 |
| Core capital (leverage) ratio | 9.5066% | 4,066 |
| Tier 1 risk-based capital ratio | 17.7497% | 2,466 |
| Total risk-based capital ratio | 18.8438% | 2,492 |
| Memoranda: | ||
| Average total assets | $61,675,000 | 5,871 |
| Average earning assets | $55,826,000 | 5,853 |
| Average equity | $6,417,500 | 5,884 |
| Average total loans | $27,845,000 | 5,996 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3018% | 4,180 |
| Cost of funding earning assets | 0.5446% | 4,865 |
| Net interest margin | 3.7572% | 3,407 |
| Noninterest income to average assets | 0.2619% | 5,593 |
| Noninterest expense to average assets | 2.2831% | 5,735 |
| Loan and lease loss provision to assets | 0.0906% | 4,557 |
| Net operating income to assets | 1.0445% | 2,146 |
| Return on assets (ROA) | 1.7263% | 658 |
| Pretax return on assets | 2.1283% | 470 |
| Return on Equity (ROE) | 16.2687% | 621 |
| Retained earnings to average equity (ytd only) | 5.4022% | 2,445 |
| Net charge-offs to loans | -0.0037% | 6,361 |
| Credit loss provision to net charge-offs | -5,500.0000% | 6,678 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3762% | 5,185 |
| Assets per employee ($millions) | 4.2167% | 3,517 |
| Cash dividends to net income (ytd only)* | 66.7939% | 1,489 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3063% | 4,600 |
| Loan loss allowance to noncurrent loans | 7,220.0000% | 104 |
| Noncurrent assets plus other real estate owned to assets | 0.0079% | 6,673 |
| Noncurrent loans to loans | 0.0181% | 6,494 |
| Net loans and leases to total assets | 43.1225% | 5,893 |
| Net loans and leases to deposits | 48.5199% | 6,070 |
| Net loans and leases to core deposits | 53.7121% | 5,896 |
| Total domestic deposits to total assets | 88.8759% | 1,654 |
| Equity capital to assets | 9.9779% | 4,201 |
| Core capital (leverage) ratio | 9.2128% | 4,560 |
| Tier 1 risk-based capital ratio | 16.7539% | 2,770 |
| Total risk-based capital ratio | 17.8274% | 2,820 |
| Memoranda: | ||
| Average total assets | $60,706,600 | 5,905 |
| Average earning assets | $54,907,600 | 5,894 |
| Average equity | $6,441,800 | 5,906 |
| Average total loans | $27,234,800 | 6,069 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3434% | 4,282 |
| Cost of funding earning assets | 0.5687% | 4,926 |
| Net interest margin | 3.7747% | 3,442 |
| Noninterest income to average assets | 0.2664% | 5,649 |
| Noninterest expense to average assets | 2.1907% | 5,975 |
| Loan and lease loss provision to assets | 0.1221% | 4,027 |
| Net operating income to assets | 1.1281% | 1,993 |
| Return on assets (ROA) | 1.6869% | 782 |
| Pretax return on assets | 2.0531% | 622 |
| Return on Equity (ROE) | 15.6508% | 788 |
| Retained earnings to average equity (ytd only) | 11.5322% | 606 |
| Net charge-offs to loans | -0.0098% | 6,363 |
| Credit loss provision to net charge-offs | -2,750.0000% | 6,632 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4578% | 5,590 |
| Assets per employee ($millions) | 4.0349% | 3,798 |
| Cash dividends to net income (ytd only)* | 26.3157% | 2,795 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3089% | 4,774 |
| Loan loss allowance to noncurrent loans | 4,525.0000% | 147 |
| Noncurrent assets plus other real estate owned to assets | 0.0132% | 6,747 |
| Noncurrent loans to loans | 0.0289% | 6,554 |
| Net loans and leases to total assets | 45.0978% | 5,861 |
| Net loans and leases to deposits | 51.7333% | 5,992 |
| Net loans and leases to core deposits | 57.6732% | 5,754 |
| Total domestic deposits to total assets | 87.1737% | 2,572 |
| Equity capital to assets | 11.0915% | 3,162 |
| Core capital (leverage) ratio | 9.5334% | 4,221 |
| Tier 1 risk-based capital ratio | 17.5373% | 2,527 |
| Total risk-based capital ratio | 18.6253% | 2,549 |
| Memoranda: | ||
| Average total assets | $60,070,750 | 5,988 |
| Average earning assets | $54,395,250 | 5,980 |
| Average equity | $6,474,500 | 5,968 |
| Average total loans | $27,134,500 | 6,158 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3440% | 4,398 |
| Cost of funding earning assets | 0.5807% | 5,070 |
| Net interest margin | 3.7634% | 3,524 |
| Noninterest income to average assets | 0.2871% | 5,514 |
| Noninterest expense to average assets | 2.1662% | 6,094 |
| Loan and lease loss provision to assets | 0.0167% | 5,457 |
| Net operating income to assets | 1.2000% | 1,721 |
| Return on assets (ROA) | 1.8091% | 622 |
| Pretax return on assets | 2.2931% | 420 |
| Return on Equity (ROE) | 16.9507% | 640 |
| Retained earnings to average equity (ytd only) | 10.6959% | 807 |
| Net charge-offs to loans | 0.0445% | 4,757 |
| Credit loss provision to net charge-offs | 83.3333% | 3,230 |
| Earnings coverage of net charge-offs (x) | 76.8333% | 531 |
| Efficiency ratio | 58.4685% | 5,809 |
| Assets per employee ($millions) | 4.0382% | 3,797 |
| Cash dividends to net income (ytd only)* | 36.9004% | 2,310 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0599% | 5,925 |
| Loan loss allowance to noncurrent loans | 30,400.0000% | 25 |
| Noncurrent assets plus other real estate owned to assets | 0.0017% | 6,866 |
| Noncurrent loans to loans | 0.0035% | 6,717 |
| Net loans and leases to total assets | 46.8509% | 5,740 |
| Net loans and leases to deposits | 54.9193% | 5,776 |
| Net loans and leases to core deposits | 62.1107% | 5,378 |
| Total domestic deposits to total assets | 85.3086% | 3,707 |
| Equity capital to assets | 10.8646% | 3,275 |
| Core capital (leverage) ratio | 9.1703% | 4,661 |
| Tier 1 risk-based capital ratio | 16.5491% | 2,889 |
| Total risk-based capital ratio | 17.4465% | 3,033 |
| Memoranda: | ||
| Average total assets | $59,919,670 | 6,031 |
| Average earning assets | $54,419,330 | 6,023 |
| Average equity | $6,395,000 | 6,017 |
| Average total loans | $26,960,330 | 6,207 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2953% | 4,756 |
| Cost of funding earning assets | 0.5894% | 5,217 |
| Net interest margin | 3.7059% | 3,798 |
| Noninterest income to average assets | 0.3088% | 5,413 |
| Noninterest expense to average assets | 2.2284% | 5,964 |
| Loan and lease loss provision to assets | 0.0336% | 4,957 |
| Net operating income to assets | 1.1028% | 2,071 |
| Return on assets (ROA) | 1.9667% | 514 |
| Pretax return on assets | 2.5305% | 323 |
| Return on Equity (ROE) | 18.5973% | 487 |
| Retained earnings to average equity (ytd only) | 18.5973% | 226 |
| Net charge-offs to loans | 0.1073% | 3,483 |
| Credit loss provision to net charge-offs | 71.4286% | 2,876 |
| Earnings coverage of net charge-offs (x) | 31.0000% | 896 |
| Efficiency ratio | 60.4736% | 5,547 |
| Assets per employee ($millions) | 3.9616% | 4,093 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1221% | 5,828 |
| Loan loss allowance to noncurrent loans | 404.0000% | 839 |
| Noncurrent assets plus other real estate owned to assets | 0.1262% | 6,577 |
| Noncurrent loans to loans | 0.2777% | 6,127 |
| Net loans and leases to total assets | 44.9313% | 5,905 |
| Net loans and leases to deposits | 52.1393% | 5,956 |
| Net loans and leases to core deposits | 60.1013% | 5,517 |
| Total domestic deposits to total assets | 86.1756% | 3,427 |
| Equity capital to assets | 10.8794% | 3,052 |
| Core capital (leverage) ratio | 9.2568% | 4,435 |
| Tier 1 risk-based capital ratio | 17.2679% | 2,571 |
| Total risk-based capital ratio | 18.2110% | 2,654 |
| Memoranda: | ||
| Average total assets | $59,593,000 | 6,077 |
| Average earning assets | $54,292,500 | 6,054 |
| Average equity | $6,302,000 | 6,071 |
| Average total loans | $26,099,000 | 6,303 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6459% | 4,470 |
| Cost of funding earning assets | 0.8408% | 4,540 |
| Net interest margin | 3.8051% | 3,791 |
| Noninterest income to average assets | 0.1713% | 6,257 |
| Noninterest expense to average assets | 2.4325% | 5,692 |
| Loan and lease loss provision to assets | 0.0892% | 5,467 |
| Net operating income to assets | 1.0019% | 2,186 |
| Return on assets (ROA) | 1.1904% | 1,648 |
| Pretax return on assets | 1.3528% | 1,940 |
| Return on Equity (ROE) | 11.6792% | 1,504 |
| Retained earnings to average equity (ytd only) | 5.9884% | 2,024 |
| Net charge-offs to loans | 0.2353% | 4,309 |
| Credit loss provision to net charge-offs | 81.9672% | 4,366 |
| Earnings coverage of net charge-offs (x) | 11.2787% | 1,734 |
| Efficiency ratio | 66.4554% | 4,674 |
| Assets per employee ($millions) | 3.9841% | 3,893 |
| Cash dividends to net income (ytd only)* | 48.7256% | 2,118 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2106% | 5,338 |
| Loan loss allowance to noncurrent loans | 15,250.0000% | 42 |
| Noncurrent assets plus other real estate owned to assets | 0.0318% | 6,893 |
| Noncurrent loans to loans | 0.0079% | 6,840 |
| Net loans and leases to total assets | 41.6485% | 6,413 |
| Net loans and leases to deposits | 46.9348% | 6,573 |
| Net loans and leases to core deposits | 53.4740% | 6,339 |
| Total domestic deposits to total assets | 88.7370% | 1,696 |
| Equity capital to assets | 10.2724% | 3,818 |
| Core capital (leverage) ratio | 8.9624% | 4,843 |
| Tier 1 risk-based capital ratio | 17.2138% | 2,503 |
| Total risk-based capital ratio | 18.2149% | 2,583 |
| Memoranda: | ||
| Average total assets | $56,031,800 | 6,161 |
| Average earning assets | $51,378,800 | 6,148 |
| Average equity | $5,711,000 | 6,230 |
| Average total loans | $25,922,400 | 6,365 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7579% | 4,199 |
| Cost of funding earning assets | 0.9132% | 4,313 |
| Net interest margin | 3.8447% | 3,644 |
| Noninterest income to average assets | 0.1839% | 6,278 |
| Noninterest expense to average assets | 2.3980% | 5,771 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.1295% | 1,878 |
| Return on assets (ROA) | 1.2898% | 1,501 |
| Pretax return on assets | 1.5076% | 1,638 |
| Return on Equity (ROE) | 12.6811% | 1,366 |
| Retained earnings to average equity (ytd only) | 7.9227% | 1,533 |
| Net charge-offs to loans | 0.1481% | 4,589 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 18.8254% | 1,284 |
| Efficiency ratio | 64.4763% | 4,985 |
| Assets per employee ($millions) | 3.8475% | 4,198 |
| Cash dividends to net income (ytd only)* | 37.5234% | 2,135 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1295% | 5,772 |
| Loan loss allowance to noncurrent loans | 422.0588% | 759 |
| Noncurrent assets plus other real estate owned to assets | 0.1178% | 6,755 |
| Noncurrent loans to loans | 0.2676% | 6,336 |
| Net loans and leases to total assets | 43.5317% | 6,378 |
| Net loans and leases to deposits | 49.4158% | 6,535 |
| Net loans and leases to core deposits | 55.3895% | 6,357 |
| Total domestic deposits to total assets | 88.0926% | 1,991 |
| Equity capital to assets | 10.7742% | 3,392 |
| Core capital (leverage) ratio | 9.1449% | 4,721 |
| Tier 1 risk-based capital ratio | 17.4815% | 2,452 |
| Total risk-based capital ratio | 18.4419% | 2,534 |
| Memoranda: | ||
| Average total assets | $55,099,250 | 6,242 |
| Average earning assets | $50,665,750 | 6,214 |
| Average equity | $5,604,000 | 6,304 |
| Average total loans | $26,104,250 | 6,419 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8372% | 3,922 |
| Cost of funding earning assets | 0.9764% | 4,115 |
| Net interest margin | 3.8609% | 3,486 |
| Noninterest income to average assets | 0.1807% | 6,367 |
| Noninterest expense to average assets | 2.3604% | 5,962 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.1477% | 1,729 |
| Return on assets (ROA) | 1.2650% | 1,472 |
| Pretax return on assets | 1.4716% | 1,610 |
| Return on Equity (ROE) | 12.7053% | 1,274 |
| Retained earnings to average equity (ytd only) | 12.7053% | 423 |
| Net charge-offs to loans | 0.0987% | 4,692 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 27.8462% | 981 |
| Efficiency ratio | 63.8723% | 5,262 |
| Assets per employee ($millions) | 3.7997% | 4,193 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1042% | 5,941 |
| Loan loss allowance to noncurrent loans | 229.5455% | 1,340 |
| Noncurrent assets plus other real estate owned to assets | 0.2316% | 6,548 |
| Noncurrent loans to loans | 0.4810% | 5,942 |
| Net loans and leases to total assets | 47.6139% | 6,093 |
| Net loans and leases to deposits | 54.5696% | 6,264 |
| Net loans and leases to core deposits | 61.4705% | 5,947 |
| Total domestic deposits to total assets | 87.2535% | 2,595 |
| Equity capital to assets | 10.2411% | 3,829 |
| Core capital (leverage) ratio | 9.4760% | 3,987 |
| Tier 1 risk-based capital ratio | 16.6269% | 2,683 |
| Total risk-based capital ratio | 17.5913% | 2,782 |
| Memoranda: | ||
| Average total assets | $54,228,330 | 6,323 |
| Average earning assets | $49,367,330 | 6,321 |
| Average equity | $5,399,330 | 6,409 |
| Average total loans | $26,335,670 | 6,465 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7822% | 4,140 |
| Cost of funding earning assets | 0.9942% | 4,242 |
| Net interest margin | 3.7879% | 3,668 |
| Noninterest income to average assets | 0.1817% | 6,419 |
| Noninterest expense to average assets | 2.4600% | 5,707 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.1278% | 1,744 |
| Return on assets (ROA) | 1.1278% | 1,790 |
| Pretax return on assets | 1.2111% | 2,331 |
| Return on Equity (ROE) | 11.5047% | 1,596 |
| Retained earnings to average equity (ytd only) | 11.5047% | 810 |
| Net charge-offs to loans | 0.0310% | 4,665 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 80.0000% | 388 |
| Efficiency ratio | 67.0103% | 4,849 |
| Assets per employee ($millions) | 3.6280% | 4,700 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1492% | 5,852 |
| Loan loss allowance to noncurrent loans | 730.2326% | 482 |
| Noncurrent assets plus other real estate owned to assets | 0.0790% | 6,965 |
| Noncurrent loans to loans | 0.1574% | 6,661 |
| Net loans and leases to total assets | 49.6325% | 5,894 |
| Net loans and leases to deposits | 57.9614% | 5,925 |
| Net loans and leases to core deposits | 65.5328% | 5,560 |
| Total domestic deposits to total assets | 85.6303% | 3,722 |
| Equity capital to assets | 9.8199% | 4,014 |
| Core capital (leverage) ratio | 9.4209% | 3,925 |
| Tier 1 risk-based capital ratio | 16.4812% | 2,669 |
| Total risk-based capital ratio | 17.5121% | 2,739 |
| Memoranda: | ||
| Average total assets | $52,844,500 | 6,421 |
| Average earning assets | $48,681,000 | 6,391 |
| Average equity | $5,180,500 | 6,490 |
| Average total loans | $25,783,000 | 6,538 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1132% | 4,046 |
| Cost of funding earning assets | 1.2599% | 4,147 |
| Net interest margin | 3.8533% | 3,721 |
| Noninterest income to average assets | 0.4016% | 4,900 |
| Noninterest expense to average assets | 2.6916% | 5,029 |
| Loan and lease loss provision to assets | 0.2821% | 4,548 |
| Net operating income to assets | 0.8455% | 2,608 |
| Return on assets (ROA) | 1.0327% | 2,034 |
| Pretax return on assets | 1.1450% | 2,418 |
| Return on Equity (ROE) | 9.9288% | 1,957 |
| Retained earnings to average equity (ytd only) | 1.3100% | 4,894 |
| Net charge-offs to loans | 0.2832% | 4,604 |
| Credit loss provision to net charge-offs | 178.7879% | 1,851 |
| Earnings coverage of net charge-offs (x) | 7.7273% | 2,074 |
| Efficiency ratio | 68.8264% | 4,398 |
| Assets per employee ($millions) | 3.4179% | 5,130 |
| Cash dividends to net income (ytd only)* | 86.8056% | 656 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3035% | 4,984 |
| Loan loss allowance to noncurrent loans | 159.5960% | 1,870 |
| Noncurrent assets plus other real estate owned to assets | 0.3862% | 6,304 |
| Noncurrent loans to loans | 0.8168% | 5,418 |
| Net loans and leases to total assets | 46.6676% | 6,500 |
| Net loans and leases to deposits | 51.9690% | 6,744 |
| Net loans and leases to core deposits | 58.8513% | 6,486 |
| Total domestic deposits to total assets | 89.7989% | 1,209 |
| Equity capital to assets | 9.7856% | 4,017 |
| Core capital (leverage) ratio | 9.5416% | 3,660 |
| Tier 1 risk-based capital ratio | 17.8696% | 2,042 |
| Total risk-based capital ratio | 19.0315% | 2,032 |
| Memoranda: | ||
| Average total assets | $41,833,400 | 6,802 |
| Average earning assets | $38,097,400 | 6,788 |
| Average equity | $4,351,000 | 6,869 |
| Average total loans | $23,301,000 | 6,762 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2134% | 3,768 |
| Cost of funding earning assets | 1.3350% | 4,008 |
| Net interest margin | 3.8783% | 3,620 |
| Noninterest income to average assets | 0.4729% | 4,392 |
| Noninterest expense to average assets | 2.5636% | 5,454 |
| Loan and lease loss provision to assets | 0.3986% | 3,518 |
| Net operating income to assets | 0.9069% | 2,576 |
| Return on assets (ROA) | 1.0302% | 2,244 |
| Pretax return on assets | 1.1619% | 2,629 |
| Return on Equity (ROE) | 9.7182% | 2,240 |
| Retained earnings to average equity (ytd only) | 8.1250% | 1,383 |
| Net charge-offs to loans | 0.3699% | 3,832 |
| Credit loss provision to net charge-offs | 184.3750% | 1,967 |
| Earnings coverage of net charge-offs (x) | 6.5782% | 2,494 |
| Efficiency ratio | 64.3220% | 5,188 |
| Assets per employee ($millions) | 3.7056% | 4,496 |
| Cash dividends to net income (ytd only)* | 16.3945% | 3,107 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4644% | 4,134 |
| Loan loss allowance to noncurrent loans | 143.8914% | 1,965 |
| Noncurrent assets plus other real estate owned to assets | 0.5422% | 6,068 |
| Noncurrent loans to loans | 1.0177% | 5,200 |
| Net loans and leases to total assets | 52.4925% | 6,044 |
| Net loans and leases to deposits | 63.7480% | 5,942 |
| Net loans and leases to core deposits | 74.9877% | 5,177 |
| Total domestic deposits to total assets | 82.3438% | 4,856 |
| Equity capital to assets | 10.7895% | 3,180 |
| Core capital (leverage) ratio | 9.6646% | 3,671 |
| Tier 1 risk-based capital ratio | 16.8204% | 2,403 |
| Total risk-based capital ratio | 18.0724% | 2,363 |
| Memoranda: | ||
| Average total assets | $39,474,500 | 6,966 |
| Average earning assets | $35,753,250 | 6,966 |
| Average equity | $4,184,500 | 7,021 |
| Average total loans | $23,065,750 | 6,859 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2504% | 3,713 |
| Cost of funding earning assets | 1.3933% | 3,917 |
| Net interest margin | 3.8571% | 3,646 |
| Noninterest income to average assets | 0.6198% | 3,198 |
| Noninterest expense to average assets | 2.5509% | 5,517 |
| Loan and lease loss provision to assets | 0.3483% | 3,634 |
| Net operating income to assets | 0.9927% | 2,230 |
| Return on assets (ROA) | 1.0347% | 2,142 |
| Pretax return on assets | 1.2601% | 2,223 |
| Return on Equity (ROE) | 9.8217% | 2,168 |
| Retained earnings to average equity (ytd only) | 7.3906% | 1,678 |
| Net charge-offs to loans | 0.4252% | 3,294 |
| Credit loss provision to net charge-offs | 136.0000% | 2,946 |
| Earnings coverage of net charge-offs (x) | 6.0800% | 2,535 |
| Efficiency ratio | 62.0948% | 5,674 |
| Assets per employee ($millions) | 3.5846% | 4,726 |
| Cash dividends to net income (ytd only)* | 24.7525% | 2,715 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1930% | 5,491 |
| Loan loss allowance to noncurrent loans | 7,050.0000% | 60 |
| Noncurrent assets plus other real estate owned to assets | 0.0101% | 7,387 |
| Noncurrent loans to loans | 0.0169% | 7,288 |
| Net loans and leases to total assets | 59.2300% | 5,211 |
| Net loans and leases to deposits | 68.0329% | 5,561 |
| Net loans and leases to core deposits | 79.3740% | 4,764 |
| Total domestic deposits to total assets | 87.0609% | 2,497 |
| Equity capital to assets | 10.6338% | 3,239 |
| Core capital (leverage) ratio | 9.3674% | 4,012 |
| Tier 1 risk-based capital ratio | 15.5348% | 2,872 |
| Total risk-based capital ratio | 16.7141% | 2,877 |
| Memoranda: | ||
| Average total assets | $39,045,330 | 7,028 |
| Average earning assets | $35,311,330 | 7,027 |
| Average equity | $4,113,330 | 7,069 |
| Average total loans | $23,516,000 | 6,889 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1738% | 4,172 |
| Cost of funding earning assets | 1.4214% | 4,039 |
| Net interest margin | 3.7525% | 3,996 |
| Noninterest income to average assets | 0.9884% | 1,338 |
| Noninterest expense to average assets | 2.6253% | 5,249 |
| Loan and lease loss provision to assets | 0.7001% | 1,818 |
| Net operating income to assets | 0.9286% | 2,431 |
| Return on assets (ROA) | 1.0192% | 2,175 |
| Pretax return on assets | 1.1634% | 2,498 |
| Return on Equity (ROE) | 9.7214% | 2,200 |
| Retained earnings to average equity (ytd only) | 9.7214% | 1,206 |
| Net charge-offs to loans | -0.0171% | 7,030 |
| Credit loss provision to net charge-offs | -6,800.0000% | 6,672 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8592% | 6,203 |
| Assets per employee ($millions) | 3.5804% | 4,867 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4403% | 4,208 |
| Loan loss allowance to noncurrent loans | 708.5106% | 448 |
| Noncurrent assets plus other real estate owned to assets | 0.1193% | 7,178 |
| Noncurrent loans to loans | 0.2033% | 6,936 |
| Net loans and leases to total assets | 57.8585% | 5,462 |
| Net loans and leases to deposits | 65.2250% | 5,909 |
| Net loans and leases to core deposits | 75.8732% | 5,272 |
| Total domestic deposits to total assets | 88.7061% | 1,671 |
| Equity capital to assets | 10.5474% | 3,199 |
| Core capital (leverage) ratio | 9.2634% | 4,112 |
| Tier 1 risk-based capital ratio | 15.8443% | 2,707 |
| Total risk-based capital ratio | 17.0985% | 2,651 |
| Memoranda: | ||
| Average total assets | $38,852,500 | 7,123 |
| Average earning assets | $35,177,000 | 7,121 |
| Average equity | $4,073,500 | 7,156 |
| Average total loans | $23,455,500 | 6,973 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6056% | 3,575 |
| Cost of funding earning assets | 1.6480% | 4,806 |
| Net interest margin | 3.9576% | 3,042 |
| Noninterest income to average assets | 0.3633% | 5,495 |
| Noninterest expense to average assets | 2.7602% | 5,121 |
| Loan and lease loss provision to assets | 0.4691% | 4,008 |
| Net operating income to assets | 0.6722% | 3,047 |
| Return on assets (ROA) | 0.7971% | 2,636 |
| Pretax return on assets | 0.8324% | 3,139 |
| Return on Equity (ROE) | 7.5462% | 2,566 |
| Retained earnings to average equity (ytd only) | 4.3378% | 2,201 |
| Net charge-offs to loans | 0.5492% | 3,589 |
| Credit loss provision to net charge-offs | 142.9752% | 3,362 |
| Earnings coverage of net charge-offs (x) | 3.5702% | 3,290 |
| Efficiency ratio | 70.2069% | 4,581 |
| Assets per employee ($millions) | 3.4837% | 5,043 |
| Cash dividends to net income (ytd only)* | 42.5170% | 2,803 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1097% | 5,850 |
| Loan loss allowance to noncurrent loans | 517.6471% | 643 |
| Noncurrent assets plus other real estate owned to assets | 0.1331% | 7,147 |
| Noncurrent loans to loans | 0.2144% | 6,889 |
| Net loans and leases to total assets | 61.3945% | 5,124 |
| Net loans and leases to deposits | 69.0650% | 5,718 |
| Net loans and leases to core deposits | 98.7161% | 4,152 |
| Total domestic deposits to total assets | 88.8938% | 1,528 |
| Equity capital to assets | 10.4199% | 3,263 |
| Core capital (leverage) ratio | 9.5496% | 3,659 |
| Tier 1 risk-based capital ratio | 13.6869% | 3,694 |
| Total risk-based capital ratio | 14.7068% | 3,797 |
| Memoranda: | ||
| Average total assets | $36,882,000 | 7,216 |
| Average earning assets | $33,252,400 | 7,221 |
| Average equity | $3,896,000 | 7,331 |
| Average total loans | $22,032,400 | 7,087 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6487% | 3,584 |
| Cost of funding earning assets | 1.7076% | 4,858 |
| Net interest margin | 3.9412% | 3,079 |
| Noninterest income to average assets | 0.2592% | 6,376 |
| Noninterest expense to average assets | 2.6321% | 5,591 |
| Loan and lease loss provision to assets | 0.5951% | 3,009 |
| Net operating income to assets | 0.5675% | 3,735 |
| Return on assets (ROA) | 0.7374% | 3,135 |
| Pretax return on assets | 0.7630% | 3,654 |
| Return on Equity (ROE) | 6.9563% | 3,092 |
| Retained earnings to average equity (ytd only) | 6.0952% | 1,902 |
| Net charge-offs to loans | 0.6175% | 2,828 |
| Credit loss provision to net charge-offs | 163.0000% | 2,895 |
| Earnings coverage of net charge-offs (x) | 3.2400% | 3,620 |
| Efficiency ratio | 68.9952% | 4,783 |
| Assets per employee ($millions) | 3.2820% | 5,446 |
| Cash dividends to net income (ytd only)* | 12.3752% | 3,452 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2795% | 4,619 |
| Loan loss allowance to noncurrent loans | 174.0506% | 1,688 |
| Noncurrent assets plus other real estate owned to assets | 0.4404% | 6,353 |
| Noncurrent loans to loans | 0.7351% | 5,841 |
| Net loans and leases to total assets | 58.7724% | 5,769 |
| Net loans and leases to deposits | 68.9657% | 6,031 |
| Net loans and leases to core deposits | 94.3064% | 4,990 |
| Total domestic deposits to total assets | 85.2197% | 3,116 |
| Equity capital to assets | 11.2321% | 2,811 |
| Core capital (leverage) ratio | 9.7515% | 3,570 |
| Tier 1 risk-based capital ratio | 15.0645% | 3,008 |
| Total risk-based capital ratio | 16.2347% | 2,985 |
| Memoranda: | ||
| Average total assets | $36,522,250 | 7,290 |
| Average earning assets | $32,950,500 | 7,291 |
| Average equity | $3,871,750 | 7,393 |
| Average total loans | $21,592,750 | 7,171 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5828% | 4,160 |
| Cost of funding earning assets | 1.7884% | 4,816 |
| Net interest margin | 3.7944% | 3,571 |
| Noninterest income to average assets | 0.2455% | 6,529 |
| Noninterest expense to average assets | 2.6621% | 5,510 |
| Loan and lease loss provision to assets | 0.6164% | 2,587 |
| Net operating income to assets | 0.3928% | 4,541 |
| Return on assets (ROA) | 0.6546% | 3,556 |
| Pretax return on assets | 0.6546% | 4,149 |
| Return on Equity (ROE) | 6.2981% | 3,523 |
| Retained earnings to average equity (ytd only) | 6.2981% | 1,886 |
| Net charge-offs to loans | 1.1375% | 1,603 |
| Credit loss provision to net charge-offs | 91.8699% | 4,866 |
| Earnings coverage of net charge-offs (x) | 1.5041% | 4,409 |
| Efficiency ratio | 72.5111% | 4,306 |
| Assets per employee ($millions) | 3.2955% | 5,332 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9499% | 6,558 |
| Loan loss allowance to noncurrent loans | 612.1212% | 551 |
| Noncurrent assets plus other real estate owned to assets | 0.0938% | 7,347 |
| Noncurrent loans to loans | 0.1552% | 7,133 |
| Net loans and leases to total assets | 58.1032% | 5,948 |
| Net loans and leases to deposits | 65.4009% | 6,444 |
| Net loans and leases to core deposits | 84.9417% | 6,017 |
| Total domestic deposits to total assets | 88.8417% | 1,357 |
| Equity capital to assets | 10.5487% | 3,344 |
| Core capital (leverage) ratio | 9.4453% | 3,966 |
| Tier 1 risk-based capital ratio | 14.6116% | 3,185 |
| Total risk-based capital ratio | 15.4617% | 3,332 |
| Memoranda: | ||
| Average total assets | $36,662,330 | 7,357 |
| Average earning assets | $33,101,670 | 7,354 |
| Average equity | $3,810,670 | 7,471 |
| Average total loans | $21,626,000 | 7,229 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5962% | 4,378 |
| Cost of funding earning assets | 1.8934% | 4,659 |
| Net interest margin | 3.7029% | 3,878 |
| Noninterest income to average assets | 0.2387% | 6,544 |
| Noninterest expense to average assets | 2.5496% | 5,652 |
| Loan and lease loss provision to assets | 1.0633% | 1,234 |
| Net operating income to assets | -0.0217% | 6,294 |
| Return on assets (ROA) | 0.2495% | 5,653 |
| Pretax return on assets | 0.2495% | 5,823 |
| Return on Equity (ROE) | 2.4185% | 5,612 |
| Retained earnings to average equity (ytd only) | 2.4185% | 4,528 |
| Net charge-offs to loans | 2.3663% | 614 |
| Credit loss provision to net charge-offs | 75.9690% | 4,256 |
| Earnings coverage of net charge-offs (x) | 0.7442% | 4,431 |
| Efficiency ratio | 70.9970% | 4,373 |
| Assets per employee ($millions) | 3.4031% | 5,067 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8450% | 6,990 |
| Loan loss allowance to noncurrent loans | 87.8641% | 3,402 |
| Noncurrent assets plus other real estate owned to assets | 0.5530% | 5,814 |
| Noncurrent loans to loans | 0.9617% | 5,070 |
| Net loans and leases to total assets | 56.7372% | 6,137 |
| Net loans and leases to deposits | 64.7432% | 6,488 |
| Net loans and leases to core deposits | 78.6047% | 6,491 |
| Total domestic deposits to total assets | 87.6342% | 1,909 |
| Equity capital to assets | 10.2207% | 3,747 |
| Core capital (leverage) ratio | 9.1141% | 4,533 |
| Tier 1 risk-based capital ratio | 13.8602% | 3,662 |
| Total risk-based capital ratio | 14.6100% | 3,867 |
| Memoranda: | ||
| Average total assets | $36,868,000 | 7,387 |
| Average earning assets | $33,379,500 | 7,385 |
| Average equity | $3,804,000 | 7,518 |
| Average total loans | $21,806,500 | 7,259 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7324% | 1,923 |
| Cost of funding earning assets | 2.3899% | 4,766 |
| Net interest margin | 4.3425% | 1,849 |
| Noninterest income to average assets | 0.3005% | 6,311 |
| Noninterest expense to average assets | 2.9716% | 4,181 |
| Loan and lease loss provision to assets | 0.1412% | 5,545 |
| Net operating income to assets | 0.9139% | 2,943 |
| Return on assets (ROA) | 0.9495% | 2,651 |
| Pretax return on assets | 1.2019% | 2,631 |
| Return on Equity (ROE) | 8.7249% | 2,742 |
| Retained earnings to average equity (ytd only) | 5.9639% | 1,551 |
| Net charge-offs to loans | 0.0650% | 5,843 |
| Credit loss provision to net charge-offs | 335.7143% | 1,348 |
| Earnings coverage of net charge-offs (x) | 30.8571% | 1,147 |
| Efficiency ratio | 69.5989% | 4,427 |
| Assets per employee ($millions) | 3.3002% | 5,210 |
| Cash dividends to net income (ytd only)* | 31.6456% | 4,047 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9553% | 6,370 |
| Loan loss allowance to noncurrent loans | 121.8391% | 2,943 |
| Noncurrent assets plus other real estate owned to assets | 0.4821% | 5,769 |
| Noncurrent loans to loans | 0.7840% | 5,075 |
| Net loans and leases to total assets | 60.5504% | 5,831 |
| Net loans and leases to deposits | 68.2258% | 6,439 |
| Net loans and leases to core deposits | 90.7219% | 5,741 |
| Total domestic deposits to total assets | 88.7499% | 1,128 |
| Equity capital to assets | 10.4182% | 3,592 |
| Core capital (leverage) ratio | 9.7335% | 3,729 |
| Tier 1 risk-based capital ratio | 13.5815% | 3,769 |
| Total risk-based capital ratio | 14.4459% | 3,911 |
| Memoranda: | ||
| Average total assets | $33,282,000 | 7,492 |
| Average earning assets | $30,420,200 | 7,495 |
| Average equity | $3,621,800 | 7,641 |
| Average total loans | $21,540,600 | 7,223 |