Home > The Bank of San Jacinto County, Coldspring, Texas > Performance and Condition Ratios
The Bank of San Jacinto County, Coldspring, Texas, 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 | 5.0393% | 3,049 |
| Cost of funding earning assets | 0.1686% | 4,368 |
| Net interest margin | 4.8707% | 372 |
| Noninterest income to average assets | 0.7300% | 962 |
| Noninterest expense to average assets | 3.7029% | 476 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | 1.6261% | 860 |
| Return on assets (ROA) | 1.6261% | 853 |
| Pretax return on assets | 1.6261% | 1,247 |
| Return on Equity (ROE) | 13.1800% | 1,441 |
| Retained earnings to average equity (ytd only) | -2.9367% | 3,980 |
| 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 | 69.4859% | 1,881 |
| Assets per employee ($millions) | 3.5555% | 4,196 |
| Cash dividends to net income (ytd only)* | 122.2826% | 365 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9855% | 400 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,773 |
| Noncurrent assets plus other real estate owned to assets | 0.1623% | 2,695 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 26.2700% | 4,241 |
| Net loans and leases to deposits | 30.0171% | 4,259 |
| Net loans and leases to core deposits | 30.4330% | 4,262 |
| Total domestic deposits to total assets | 87.5300% | 1,720 |
| Equity capital to assets | 12.4316% | 1,080 |
| Core capital (leverage) ratio | 15.6529% | 525 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $45,262,000 | 4,248 |
| Average earning assets | $42,704,000 | 4,215 |
| Average equity | $5,584,500 | 4,200 |
| Average total loans | $12,506,500 | 4,286 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4095% | 2,249 |
| Cost of funding earning assets | 0.2180% | 4,413 |
| Net interest margin | 5.1915% | 264 |
| Noninterest income to average assets | 1.0000% | 593 |
| Noninterest expense to average assets | 3.5755% | 523 |
| Loan and lease loss provision to assets | 0.0000% | 3,009 |
| Net operating income to assets | 2.3497% | 277 |
| Return on assets (ROA) | 2.3497% | 277 |
| Pretax return on assets | 2.3497% | 395 |
| Return on Equity (ROE) | 19.8500% | 442 |
| Retained earnings to average equity (ytd only) | 3.3932% | 3,041 |
| Net charge-offs to loans | -0.0328% | 4,257 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 60.3440% | 3,128 |
| Assets per employee ($millions) | 3.7588% | 4,182 |
| Cash dividends to net income (ytd only)* | 82.9082% | 449 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9595% | 422 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,813 |
| Noncurrent assets plus other real estate owned to assets | 0.1663% | 2,636 |
| Noncurrent loans to loans | 0.0000% | 3,830 |
| Net loans and leases to total assets | 27.2900% | 4,287 |
| Net loans and leases to deposits | 31.4405% | 4,308 |
| Net loans and leases to core deposits | 32.1963% | 4,301 |
| Total domestic deposits to total assets | 86.7900% | 1,671 |
| Equity capital to assets | 13.1047% | 945 |
| Core capital (leverage) ratio | 15.4473% | 569 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $44,487,000 | 4,290 |
| Average earning assets | $42,196,000 | 4,267 |
| Average equity | $5,265,250 | 4,247 |
| Average total loans | $12,202,250 | 4,331 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3412% | 2,277 |
| Cost of funding earning assets | 0.2095% | 4,424 |
| Net interest margin | 5.1317% | 284 |
| Noninterest income to average assets | 0.7900% | 883 |
| Noninterest expense to average assets | 3.5636% | 525 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 2.1002% | 380 |
| Return on assets (ROA) | 2.1002% | 378 |
| Pretax return on assets | 2.1002% | 557 |
| Return on Equity (ROE) | 18.4200% | 569 |
| Retained earnings to average equity (ytd only) | -7.3267% | 4,382 |
| Net charge-offs to loans | 0.0000% | 2,619 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 62.9187% | 2,895 |
| Assets per employee ($millions) | 3.7939% | 4,188 |
| Cash dividends to net income (ytd only)* | 139.7849% | 163 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9254% | 445 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,808 |
| Noncurrent assets plus other real estate owned to assets | 0.1647% | 2,574 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 27.3000% | 4,304 |
| Net loans and leases to deposits | 30.7162% | 4,320 |
| Net loans and leases to core deposits | 31.6171% | 4,312 |
| Total domestic deposits to total assets | 88.8800% | 1,042 |
| Equity capital to assets | 11.0484% | 1,546 |
| Core capital (leverage) ratio | 15.1091% | 612 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $44,280,667 | 4,318 |
| Average earning assets | $42,013,333 | 4,284 |
| Average equity | $5,050,000 | 4,272 |
| Average total loans | $12,085,000 | 4,354 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4391% | 1,929 |
| Cost of funding earning assets | 0.1829% | 4,451 |
| Net interest margin | 5.2562% | 239 |
| Noninterest income to average assets | 0.8200% | 788 |
| Noninterest expense to average assets | 3.7107% | 453 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 2.1073% | 380 |
| Return on assets (ROA) | 2.1073% | 389 |
| Pretax return on assets | 2.1073% | 548 |
| Return on Equity (ROE) | 18.1800% | 589 |
| Retained earnings to average equity (ytd only) | -33.2016% | 4,494 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 63.7795% | 2,845 |
| Assets per employee ($millions) | 3.8999% | 4,184 |
| Cash dividends to net income (ytd only)* | 282.6087% | 78 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0276% | 373 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,825 |
| Noncurrent assets plus other real estate owned to assets | 0.1725% | 2,500 |
| Noncurrent loans to loans | 0.0000% | 3,844 |
| Net loans and leases to total assets | 27.4800% | 4,323 |
| Net loans and leases to deposits | 30.8542% | 4,338 |
| Net loans and leases to core deposits | 31.8262% | 4,379 |
| Total domestic deposits to total assets | 89.0700% | 1,086 |
| Equity capital to assets | 10.8441% | 1,562 |
| Core capital (leverage) ratio | 14.7397% | 646 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $43,657,500 | 4,352 |
| Average earning assets | $41,551,000 | 4,319 |
| Average equity | $5,060,000 | 4,291 |
| Average total loans | $11,791,000 | 4,383 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2064% | 1,645 |
| Cost of funding earning assets | 0.1545% | 4,464 |
| Net interest margin | 5.0519% | 295 |
| Noninterest income to average assets | 0.7400% | 1,086 |
| Noninterest expense to average assets | 3.5787% | 527 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.9040% | 523 |
| Return on assets (ROA) | 1.9040% | 509 |
| Pretax return on assets | 1.9040% | 768 |
| Return on Equity (ROE) | 18.5200% | 755 |
| Retained earnings to average equity (ytd only) | 18.5162% | 169 |
| Net charge-offs to loans | -0.0176% | 4,125 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 65.2723% | 2,449 |
| Assets per employee ($millions) | 4.0378% | 4,149 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1129% | 318 |
| Loan loss allowance to noncurrent loans | 364.1791% | 1,797 |
| Noncurrent assets plus other real estate owned to assets | 0.1508% | 2,515 |
| Noncurrent loans to loans | 0.5802% | 1,349 |
| Net loans and leases to total assets | 25.4500% | 4,359 |
| Net loans and leases to deposits | 29.0337% | 4,364 |
| Net loans and leases to core deposits | 29.9269% | 4,396 |
| Total domestic deposits to total assets | 87.6600% | 1,466 |
| Equity capital to assets | 12.3109% | 1,032 |
| Core capital (leverage) ratio | 15.5159% | 545 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $46,217,600 | 4,346 |
| Average earning assets | $43,369,800 | 4,312 |
| Average equity | $4,752,600 | 4,281 |
| Average total loans | $11,347,800 | 4,401 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1514% | 1,541 |
| Cost of funding earning assets | 0.1433% | 4,482 |
| Net interest margin | 5.0080% | 303 |
| Noninterest income to average assets | 0.7500% | 1,046 |
| Noninterest expense to average assets | 3.2998% | 722 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 2.1370% | 411 |
| Return on assets (ROA) | 2.1370% | 403 |
| Pretax return on assets | 2.1370% | 610 |
| Return on Equity (ROE) | 21.8100% | 581 |
| Retained earnings to average equity (ytd only) | 21.8050% | 201 |
| Net charge-offs to loans | -0.0236% | 4,177 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 60.6936% | 2,888 |
| Assets per employee ($millions) | 3.8175% | 4,225 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1858% | 303 |
| Loan loss allowance to noncurrent loans | 1,220.0000% | 758 |
| Noncurrent assets plus other real estate owned to assets | 0.0437% | 3,368 |
| Noncurrent loans to loans | 0.1792% | 2,650 |
| Net loans and leases to total assets | 23.8400% | 4,400 |
| Net loans and leases to deposits | 26.4517% | 4,414 |
| Net loans and leases to core deposits | 27.2736% | 4,408 |
| Total domestic deposits to total assets | 90.1100% | 914 |
| Equity capital to assets | 9.8385% | 1,918 |
| Core capital (leverage) ratio | 14.5299% | 707 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $46,668,000 | 4,357 |
| Average earning assets | $43,715,500 | 4,326 |
| Average equity | $4,573,750 | 4,311 |
| Average total loans | $11,297,750 | 4,425 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0643% | 1,431 |
| Cost of funding earning assets | 0.1502% | 4,476 |
| Net interest margin | 4.9141% | 342 |
| Noninterest income to average assets | 0.7700% | 930 |
| Noninterest expense to average assets | 3.3352% | 664 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 2.0360% | 441 |
| Return on assets (ROA) | 2.0360% | 438 |
| Pretax return on assets | 2.0360% | 707 |
| Return on Equity (ROE) | 20.8000% | 629 |
| Retained earnings to average equity (ytd only) | 20.8007% | 222 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 62.0936% | 2,706 |
| Assets per employee ($millions) | 3.9445% | 4,202 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1772% | 319 |
| Loan loss allowance to noncurrent loans | 1,157.1429% | 863 |
| Noncurrent assets plus other real estate owned to assets | 0.0444% | 3,328 |
| Noncurrent loans to loans | 0.1882% | 2,529 |
| Net loans and leases to total assets | 23.0700% | 4,430 |
| Net loans and leases to deposits | 25.6472% | 4,441 |
| Net loans and leases to core deposits | 26.4378% | 4,439 |
| Total domestic deposits to total assets | 89.9400% | 932 |
| Equity capital to assets | 10.0287% | 1,841 |
| Core capital (leverage) ratio | 13.8908% | 795 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $46,954,000 | 4,377 |
| Average earning assets | $43,955,000 | 4,347 |
| Average equity | $4,596,000 | 4,334 |
| Average total loans | $11,342,667 | 4,449 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8443% | 1,516 |
| Cost of funding earning assets | 0.1277% | 4,496 |
| Net interest margin | 4.7166% | 431 |
| Noninterest income to average assets | 0.7700% | 918 |
| Noninterest expense to average assets | 3.3872% | 612 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.8048% | 660 |
| Return on assets (ROA) | 1.8048% | 651 |
| Pretax return on assets | 1.8048% | 1,058 |
| Return on Equity (ROE) | 18.6700% | 934 |
| Retained earnings to average equity (ytd only) | 18.6705% | 462 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 65.2389% | 2,296 |
| Assets per employee ($millions) | 3.9211% | 4,285 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1180% | 372 |
| Loan loss allowance to noncurrent loans | 1,008.3333% | 980 |
| Noncurrent assets plus other real estate owned to assets | 0.0510% | 3,273 |
| Noncurrent loans to loans | 0.2100% | 2,424 |
| Net loans and leases to total assets | 23.7700% | 4,482 |
| Net loans and leases to deposits | 26.4347% | 4,494 |
| Net loans and leases to core deposits | 27.2594% | 4,488 |
| Total domestic deposits to total assets | 89.9200% | 1,186 |
| Equity capital to assets | 10.0610% | 1,784 |
| Core capital (leverage) ratio | 13.3290% | 876 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $46,764,000 | 4,440 |
| Average earning assets | $43,845,000 | 4,415 |
| Average equity | $4,520,500 | 4,400 |
| Average total loans | $11,433,500 | 4,511 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4095% | 3,320 |
| Cost of funding earning assets | 0.0878% | 4,436 |
| Net interest margin | 3.3217% | 2,506 |
| Noninterest income to average assets | 0.7000% | 1,294 |
| Noninterest expense to average assets | 3.0801% | 860 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.7559% | 3,470 |
| Return on assets (ROA) | 0.7559% | 3,406 |
| Pretax return on assets | 0.7559% | 3,731 |
| Return on Equity (ROE) | 8.1600% | 3,345 |
| Retained earnings to average equity (ytd only) | 8.0536% | 1,809 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 80.2950% | 693 |
| Assets per employee ($millions) | 4.2250% | 4,185 |
| Cash dividends to net income (ytd only)* | 1.3369% | 3,440 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1152% | 356 |
| Loan loss allowance to noncurrent loans | 968.0000% | 1,011 |
| Noncurrent assets plus other real estate owned to assets | 0.0538% | 3,262 |
| Noncurrent loans to loans | 0.2185% | 2,397 |
| Net loans and leases to total assets | 24.1000% | 4,506 |
| Net loans and leases to deposits | 26.5707% | 4,516 |
| Net loans and leases to core deposits | 27.4049% | 4,514 |
| Total domestic deposits to total assets | 90.6900% | 1,064 |
| Equity capital to assets | 9.2673% | 2,185 |
| Core capital (leverage) ratio | 12.3090% | 1,151 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $49,479,200 | 4,444 |
| Average earning assets | $46,693,600 | 4,411 |
| Average equity | $4,581,800 | 4,473 |
| Average total loans | $12,149,800 | 4,529 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9976% | 3,891 |
| Cost of funding earning assets | 0.0872% | 4,371 |
| Net interest margin | 2.9105% | 3,464 |
| Noninterest income to average assets | 0.7200% | 1,256 |
| Noninterest expense to average assets | 2.9782% | 936 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.4858% | 4,105 |
| Return on assets (ROA) | 0.4858% | 4,054 |
| Pretax return on assets | 0.4858% | 4,169 |
| Return on Equity (ROE) | 5.2500% | 3,934 |
| Retained earnings to average equity (ytd only) | 5.2466% | 3,007 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 85.9770% | 460 |
| Assets per employee ($millions) | 4.5198% | 4,040 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0943% | 414 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 22.7500% | 4,563 |
| Net loans and leases to deposits | 24.8381% | 4,577 |
| Net loans and leases to core deposits | 25.4008% | 4,569 |
| Total domestic deposits to total assets | 91.6100% | 1,006 |
| Equity capital to assets | 8.3250% | 2,661 |
| Core capital (leverage) ratio | 11.1355% | 1,642 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $50,230,250 | 4,471 |
| Average earning assets | $47,414,000 | 4,434 |
| Average equity | $4,650,500 | 4,510 |
| Average total loans | $12,327,000 | 4,557 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6329% | 4,239 |
| Cost of funding earning assets | 0.0879% | 4,309 |
| Net interest margin | 2.5450% | 4,011 |
| Noninterest income to average assets | 0.7024% | 1,330 |
| Noninterest expense to average assets | 2.7777% | 1,209 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.3373% | 4,221 |
| Return on assets (ROA) | 0.3373% | 4,178 |
| Pretax return on assets | 0.3373% | 4,242 |
| Return on Equity (ROE) | 3.5262% | 4,128 |
| Retained earnings to average equity (ytd only) | 3.5262% | 3,264 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.1720% | 448 |
| Assets per employee ($millions) | 4.2623% | 4,229 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0126% | 539 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 23.0356% | 4,612 |
| Net loans and leases to deposits | 25.1087% | 4,631 |
| Net loans and leases to core deposits | 26.1799% | 4,623 |
| Total domestic deposits to total assets | 91.7434% | 945 |
| Equity capital to assets | 8.2175% | 2,965 |
| Core capital (leverage) ratio | 11.1313% | 1,532 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $50,401,000 | 4,509 |
| Average earning assets | $47,780,333 | 4,482 |
| Average equity | $4,821,000 | 4,537 |
| Average total loans | $12,584,333 | 4,613 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5579% | 4,186 |
| Cost of funding earning assets | 0.0929% | 4,230 |
| Net interest margin | 2.4650% | 3,965 |
| Noninterest income to average assets | 0.7196% | 1,256 |
| Noninterest expense to average assets | 2.9823% | 842 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.0720% | 4,495 |
| Return on assets (ROA) | 0.0720% | 4,472 |
| Pretax return on assets | 0.0720% | 4,472 |
| Return on Equity (ROE) | 0.7018% | 4,460 |
| Retained earnings to average equity (ytd only) | 0.7018% | 3,877 |
| Net charge-offs to loans | -0.0311% | 4,099 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.6440% | 284 |
| Assets per employee ($millions) | 4.1676% | 4,317 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8946% | 749 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 25.0565% | 4,594 |
| Net loans and leases to deposits | 27.7198% | 4,604 |
| Net loans and leases to core deposits | 28.9493% | 4,597 |
| Total domestic deposits to total assets | 90.3921% | 1,337 |
| Equity capital to assets | 9.5759% | 2,224 |
| Core capital (leverage) ratio | 11.1193% | 1,444 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $50,028,000 | 4,537 |
| Average earning assets | $47,383,000 | 4,510 |
| Average equity | $5,130,000 | 4,553 |
| Average total loans | $12,864,500 | 4,633 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9740% | 3,917 |
| Cost of funding earning assets | 0.1268% | 4,176 |
| Net interest margin | 2.8472% | 3,568 |
| Noninterest income to average assets | 0.9337% | 1,132 |
| Noninterest expense to average assets | 2.9428% | 1,071 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.2955% | 4,424 |
| Return on assets (ROA) | 0.2955% | 4,449 |
| Pretax return on assets | 0.2955% | 4,498 |
| Return on Equity (ROE) | 2.4533% | 4,444 |
| Retained earnings to average equity (ytd only) | -4.7363% | 4,702 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.8745% | 299 |
| Assets per employee ($millions) | 4.5495% | 4,079 |
| Cash dividends to net income (ytd only)* | 293.0556% | 21 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8679% | 771 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 25.4051% | 4,643 |
| Net loans and leases to deposits | 28.5400% | 4,651 |
| Net loans and leases to core deposits | 29.8248% | 4,645 |
| Total domestic deposits to total assets | 89.0159% | 1,507 |
| Equity capital to assets | 10.9322% | 1,830 |
| Core capital (leverage) ratio | 11.4851% | 1,298 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $48,728,600 | 4,576 |
| Average earning assets | $39,442,000 | 4,624 |
| Average equity | $5,869,600 | 4,542 |
| Average total loans | $12,981,400 | 4,683 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0967% | 3,818 |
| Cost of funding earning assets | 0.1383% | 4,205 |
| Net interest margin | 2.9583% | 3,423 |
| Noninterest income to average assets | 1.0165% | 1,043 |
| Noninterest expense to average assets | 2.8953% | 1,134 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.4187% | 4,349 |
| Return on assets (ROA) | 0.4187% | 4,375 |
| Pretax return on assets | 0.4187% | 4,472 |
| Return on Equity (ROE) | 3.3951% | 4,399 |
| Retained earnings to average equity (ytd only) | 3.3951% | 3,769 |
| Net charge-offs to loans | -0.0103% | 3,677 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.3649% | 383 |
| Assets per employee ($millions) | 4.4962% | 4,122 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8551% | 830 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 25.8866% | 4,703 |
| Net loans and leases to deposits | 29.5143% | 4,712 |
| Net loans and leases to core deposits | 30.8796% | 4,711 |
| Total domestic deposits to total assets | 87.7088% | 2,003 |
| Equity capital to assets | 12.1841% | 1,318 |
| Core capital (leverage) ratio | 12.4909% | 981 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $48,399,500 | 4,647 |
| Average earning assets | $37,587,750 | 4,710 |
| Average equity | $5,969,250 | 4,598 |
| Average total loans | $12,987,750 | 4,754 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2605% | 3,537 |
| Cost of funding earning assets | 0.1569% | 4,148 |
| Net interest margin | 3.1035% | 3,026 |
| Noninterest income to average assets | 1.1530% | 857 |
| Noninterest expense to average assets | 2.9305% | 1,102 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.4454% | 4,310 |
| Return on assets (ROA) | 0.4454% | 4,351 |
| Pretax return on assets | 0.4454% | 4,457 |
| Return on Equity (ROE) | 3.5964% | 4,396 |
| Retained earnings to average equity (ytd only) | 3.5964% | 3,650 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.8064% | 443 |
| Assets per employee ($millions) | 4.0479% | 4,421 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8906% | 750 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 25.7458% | 4,756 |
| Net loans and leases to deposits | 29.3616% | 4,767 |
| Net loans and leases to core deposits | 30.7454% | 4,764 |
| Total domestic deposits to total assets | 87.6850% | 1,994 |
| Equity capital to assets | 12.2450% | 1,250 |
| Core capital (leverage) ratio | 12.5003% | 929 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $48,046,667 | 4,675 |
| Average earning assets | $34,412,333 | 4,773 |
| Average equity | $5,950,333 | 4,623 |
| Average total loans | $12,968,667 | 4,789 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3856% | 3,242 |
| Cost of funding earning assets | 0.1699% | 4,164 |
| Net interest margin | 3.2157% | 2,646 |
| Noninterest income to average assets | 1.4733% | 620 |
| Noninterest expense to average assets | 2.9383% | 1,094 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.7534% | 3,563 |
| Return on assets (ROA) | 0.7534% | 3,633 |
| Pretax return on assets | 0.7534% | 3,907 |
| Return on Equity (ROE) | 6.0489% | 3,849 |
| Retained earnings to average equity (ytd only) | 6.0489% | 2,880 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.5918% | 846 |
| Assets per employee ($millions) | 4.4597% | 4,139 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8439% | 803 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 26.1512% | 4,784 |
| Net loans and leases to deposits | 29.7774% | 4,795 |
| Net loans and leases to core deposits | 31.3637% | 4,796 |
| Total domestic deposits to total assets | 87.8223% | 1,929 |
| Equity capital to assets | 12.1165% | 1,237 |
| Core capital (leverage) ratio | 12.7075% | 922 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $47,782,500 | 4,701 |
| Average earning assets | $32,963,500 | 4,811 |
| Average equity | $5,951,500 | 4,640 |
| Average total loans | $13,079,500 | 4,813 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0066% | 2,700 |
| Cost of funding earning assets | 0.3173% | 4,043 |
| Net interest margin | 3.6893% | 1,839 |
| Noninterest income to average assets | 0.7437% | 1,710 |
| Noninterest expense to average assets | 3.3591% | 835 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.4439% | 4,155 |
| Return on assets (ROA) | 0.4439% | 4,233 |
| Pretax return on assets | 0.4439% | 4,359 |
| Return on Equity (ROE) | 3.2595% | 4,314 |
| Retained earnings to average equity (ytd only) | 0.9913% | 4,233 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.3273% | 432 |
| Assets per employee ($millions) | 4.2280% | 4,196 |
| Cash dividends to net income (ytd only)* | 69.5876% | 967 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8412% | 797 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 27.6254% | 4,799 |
| Net loans and leases to deposits | 31.7101% | 4,814 |
| Net loans and leases to core deposits | 33.5282% | 4,816 |
| Total domestic deposits to total assets | 87.1183% | 1,879 |
| Equity capital to assets | 12.8128% | 1,175 |
| Core capital (leverage) ratio | 13.2656% | 833 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $43,702,400 | 4,725 |
| Average earning assets | $36,239,800 | 4,766 |
| Average equity | $5,951,800 | 4,649 |
| Average total loans | $15,459,000 | 4,800 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2122% | 2,367 |
| Cost of funding earning assets | 0.3447% | 4,087 |
| Net interest margin | 3.8675% | 1,430 |
| Noninterest income to average assets | 0.8217% | 1,416 |
| Noninterest expense to average assets | 3.3549% | 841 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.7721% | 3,203 |
| Return on assets (ROA) | 0.7721% | 3,315 |
| Pretax return on assets | 0.7721% | 3,723 |
| Return on Equity (ROE) | 5.5797% | 3,694 |
| Retained earnings to average equity (ytd only) | 2.5546% | 3,709 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.2923% | 770 |
| Assets per employee ($millions) | 4.6748% | 3,631 |
| Cash dividends to net income (ytd only)* | 54.2169% | 1,312 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6828% | 921 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 30.1189% | 4,819 |
| Net loans and leases to deposits | 34.6371% | 4,845 |
| Net loans and leases to core deposits | 36.6133% | 4,837 |
| Total domestic deposits to total assets | 86.9556% | 1,684 |
| Equity capital to assets | 12.9075% | 1,224 |
| Core capital (leverage) ratio | 13.7465% | 768 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $43,001,000 | 4,755 |
| Average earning assets | $36,749,750 | 4,784 |
| Average equity | $5,950,000 | 4,670 |
| Average total loans | $16,051,500 | 4,817 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3161% | 2,433 |
| Cost of funding earning assets | 0.3755% | 4,149 |
| Net interest margin | 3.9405% | 1,469 |
| Noninterest income to average assets | 0.9006% | 1,171 |
| Noninterest expense to average assets | 3.4394% | 807 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.0299% | 2,220 |
| Return on assets (ROA) | 1.0299% | 2,350 |
| Pretax return on assets | 1.0299% | 2,931 |
| Return on Equity (ROE) | 7.2611% | 3,028 |
| Retained earnings to average equity (ytd only) | 2.7018% | 3,501 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.9561% | 1,161 |
| Assets per employee ($millions) | 3.1756% | 4,799 |
| Cash dividends to net income (ytd only)* | 62.7907% | 1,161 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5305% | 1,178 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 34.8779% | 4,757 |
| Net loans and leases to deposits | 40.3918% | 4,787 |
| Net loans and leases to core deposits | 42.8366% | 4,778 |
| Total domestic deposits to total assets | 86.3489% | 1,868 |
| Equity capital to assets | 13.5409% | 974 |
| Core capital (leverage) ratio | 14.1744% | 717 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $41,752,000 | 4,792 |
| Average earning assets | $37,812,333 | 4,790 |
| Average equity | $5,922,000 | 4,696 |
| Average total loans | $16,628,333 | 4,838 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7295% | 1,621 |
| Cost of funding earning assets | 0.4023% | 4,353 |
| Net interest margin | 4.3273% | 722 |
| Noninterest income to average assets | 0.7921% | 1,335 |
| Noninterest expense to average assets | 3.5644% | 853 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.1683% | 1,622 |
| Return on assets (ROA) | 1.1683% | 1,737 |
| Pretax return on assets | 1.1683% | 2,308 |
| Return on Equity (ROE) | 8.0368% | 2,506 |
| Retained earnings to average equity (ytd only) | 1.2259% | 3,688 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.3138% | 1,642 |
| Assets per employee ($millions) | 2.8867% | 4,836 |
| Cash dividends to net income (ytd only)* | 84.7458% | 941 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4721% | 1,438 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 39.9119% | 4,670 |
| Net loans and leases to deposits | 46.8120% | 4,698 |
| Net loans and leases to core deposits | 49.9783% | 4,680 |
| Total domestic deposits to total assets | 85.2601% | 2,306 |
| Equity capital to assets | 14.6335% | 852 |
| Core capital (leverage) ratio | 14.4909% | 795 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $40,399,000 | 4,847 |
| Average earning assets | $36,790,000 | 4,839 |
| Average equity | $5,873,000 | 4,740 |
| Average total loans | $17,069,000 | 4,866 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0894% | 1,237 |
| Cost of funding earning assets | 0.4011% | 4,437 |
| Net interest margin | 4.6883% | 485 |
| Noninterest income to average assets | 0.8225% | 1,380 |
| Noninterest expense to average assets | 4.2251% | 415 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.8350% | 3,433 |
| Return on assets (ROA) | 0.8350% | 3,523 |
| Pretax return on assets | 0.8350% | 3,908 |
| Return on Equity (ROE) | 5.9359% | 3,940 |
| Retained earnings to average equity (ytd only) | 4.1587% | 2,881 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.4980% | 693 |
| Assets per employee ($millions) | 2.6923% | 4,946 |
| Cash dividends to net income (ytd only)* | 29.9401% | 3,082 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3564% | 1,686 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 43.3984% | 4,622 |
| Net loans and leases to deposits | 50.7838% | 4,658 |
| Net loans and leases to core deposits | 54.2282% | 4,642 |
| Total domestic deposits to total assets | 85.4571% | 2,318 |
| Equity capital to assets | 14.4414% | 951 |
| Core capital (leverage) ratio | 14.5491% | 790 |
| Tier 1 risk-based capital ratio | 41.8677% | 217 |
| Total risk-based capital ratio | 43.1177% | 213 |
| Memoranda: | ||
| Average total assets | $39,999,400 | 4,891 |
| Average earning assets | $36,153,600 | 4,891 |
| Average equity | $5,626,800 | 4,807 |
| Average total loans | $17,632,200 | 4,914 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1578% | 1,135 |
| Cost of funding earning assets | 0.3877% | 4,540 |
| Net interest margin | 4.7701% | 439 |
| Noninterest income to average assets | 0.8287% | 1,335 |
| Noninterest expense to average assets | 4.1600% | 436 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.9857% | 3,032 |
| Return on assets (ROA) | 0.9857% | 3,113 |
| Pretax return on assets | 0.9857% | 3,635 |
| Return on Equity (ROE) | 7.0544% | 3,656 |
| Retained earnings to average equity (ytd only) | 4.6631% | 3,077 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.8442% | 848 |
| Assets per employee ($millions) | 2.7029% | 5,011 |
| Cash dividends to net income (ytd only)* | 33.8986% | 2,438 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3935% | 1,605 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 42.0605% | 4,750 |
| Net loans and leases to deposits | 49.1384% | 4,799 |
| Net loans and leases to core deposits | 52.4337% | 4,788 |
| Total domestic deposits to total assets | 85.5959% | 2,168 |
| Equity capital to assets | 14.2783% | 1,047 |
| Core capital (leverage) ratio | 14.5624% | 842 |
| Tier 1 risk-based capital ratio | 41.0798% | 229 |
| Total risk-based capital ratio | 42.3290% | 224 |
| Memoranda: | ||
| Average total assets | $39,903,250 | 4,964 |
| Average earning assets | $36,113,000 | 4,966 |
| Average equity | $5,575,500 | 4,879 |
| Average total loans | $17,598,500 | 4,990 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1228% | 1,164 |
| Cost of funding earning assets | 0.3632% | 4,638 |
| Net interest margin | 4.7597% | 442 |
| Noninterest income to average assets | 0.8315% | 1,246 |
| Noninterest expense to average assets | 4.2076% | 410 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.9826% | 2,984 |
| Return on assets (ROA) | 0.9826% | 3,052 |
| Pretax return on assets | 0.9826% | 3,606 |
| Return on Equity (ROE) | 7.0853% | 3,644 |
| Retained earnings to average equity (ytd only) | 3.4518% | 3,509 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.0680% | 879 |
| Assets per employee ($millions) | 2.5059% | 5,122 |
| Cash dividends to net income (ytd only)* | 51.2821% | 1,728 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3476% | 1,820 |
| Loan loss allowance to noncurrent loans | 8,033.3333% | 96 |
| Noncurrent assets plus other real estate owned to assets | 0.0075% | 4,768 |
| Noncurrent loans to loans | 0.0168% | 4,641 |
| Net loans and leases to total assets | 44.0016% | 4,729 |
| Net loans and leases to deposits | 51.3132% | 4,766 |
| Net loans and leases to core deposits | 55.2573% | 4,738 |
| Total domestic deposits to total assets | 85.7510% | 2,156 |
| Equity capital to assets | 14.1567% | 1,065 |
| Core capital (leverage) ratio | 14.4428% | 843 |
| Tier 1 risk-based capital ratio | 38.2423% | 267 |
| Total risk-based capital ratio | 39.4939% | 258 |
| Memoranda: | ||
| Average total assets | $39,689,670 | 5,015 |
| Average earning assets | $36,347,000 | 5,003 |
| Average equity | $5,504,330 | 4,921 |
| Average total loans | $17,700,000 | 5,031 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1949% | 920 |
| Cost of funding earning assets | 0.3316% | 4,737 |
| Net interest margin | 4.8633% | 364 |
| Noninterest income to average assets | 0.9218% | 989 |
| Noninterest expense to average assets | 4.2140% | 395 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.1649% | 2,199 |
| Return on assets (ROA) | 1.1649% | 2,248 |
| Pretax return on assets | 1.1649% | 2,921 |
| Return on Equity (ROE) | 8.4894% | 3,044 |
| Retained earnings to average equity (ytd only) | 1.1073% | 4,287 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.3427% | 1,231 |
| Assets per employee ($millions) | 2.4734% | 5,191 |
| Cash dividends to net income (ytd only)* | 86.9565% | 802 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3216% | 1,992 |
| Loan loss allowance to noncurrent loans | 491.8367% | 1,061 |
| Noncurrent assets plus other real estate owned to assets | 0.1238% | 4,179 |
| Noncurrent loans to loans | 0.2687% | 3,601 |
| Net loans and leases to total assets | 45.4706% | 4,685 |
| Net loans and leases to deposits | 52.7666% | 4,720 |
| Net loans and leases to core deposits | 56.8383% | 4,682 |
| Total domestic deposits to total assets | 86.1731% | 2,198 |
| Equity capital to assets | 13.7738% | 1,113 |
| Core capital (leverage) ratio | 14.3175% | 863 |
| Tier 1 risk-based capital ratio | 36.9319% | 279 |
| Total risk-based capital ratio | 38.1847% | 274 |
| Memoranda: | ||
| Average total assets | $39,487,500 | 5,068 |
| Average earning assets | $36,189,500 | 5,055 |
| Average equity | $5,418,500 | 4,979 |
| Average total loans | $17,608,500 | 5,091 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7542% | 1,664 |
| Cost of funding earning assets | 0.1989% | 5,007 |
| Net interest margin | 4.5553% | 683 |
| Noninterest income to average assets | 0.8924% | 1,193 |
| Noninterest expense to average assets | 4.1227% | 455 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.8801% | 3,497 |
| Return on assets (ROA) | 0.8801% | 3,487 |
| Pretax return on assets | 0.8801% | 3,948 |
| Return on Equity (ROE) | 6.8331% | 3,885 |
| Retained earnings to average equity (ytd only) | 5.8788% | 2,249 |
| Net charge-offs to loans | 0.0184% | 3,082 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 119.3333% | 653 |
| Efficiency ratio | 82.4079% | 763 |
| Assets per employee ($millions) | 2.6267% | 5,168 |
| Cash dividends to net income (ytd only)* | 13.9665% | 3,712 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4192% | 1,562 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 42.4873% | 4,863 |
| Net loans and leases to deposits | 49.2527% | 4,908 |
| Net loans and leases to core deposits | 53.0485% | 4,874 |
| Total domestic deposits to total assets | 86.2640% | 2,106 |
| Equity capital to assets | 13.6701% | 1,081 |
| Core capital (leverage) ratio | 13.7601% | 994 |
| Tier 1 risk-based capital ratio | 38.9006% | 248 |
| Total risk-based capital ratio | 40.1534% | 244 |
| Memoranda: | ||
| Average total assets | $40,677,000 | 5,089 |
| Average earning assets | $36,704,200 | 5,093 |
| Average equity | $5,239,200 | 5,013 |
| Average total loans | $16,275,800 | 5,166 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7023% | 1,673 |
| Cost of funding earning assets | 0.1884% | 5,059 |
| Net interest margin | 4.5139% | 720 |
| Noninterest income to average assets | 0.8911% | 1,225 |
| Noninterest expense to average assets | 3.9417% | 564 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.0017% | 3,075 |
| Return on assets (ROA) | 1.0017% | 3,089 |
| Pretax return on assets | 1.0017% | 3,717 |
| Return on Equity (ROE) | 7.8935% | 3,589 |
| Retained earnings to average equity (ytd only) | 6.6120% | 2,327 |
| Net charge-offs to loans | 0.0248% | 2,625 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 102.6650% | 736 |
| Efficiency ratio | 79.7368% | 966 |
| Assets per employee ($millions) | 2.6442% | 5,238 |
| Cash dividends to net income (ytd only)* | 16.2348% | 3,161 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4231% | 1,613 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 42.0896% | 4,956 |
| Net loans and leases to deposits | 48.6436% | 4,995 |
| Net loans and leases to core deposits | 52.3733% | 4,955 |
| Total domestic deposits to total assets | 86.5265% | 1,963 |
| Equity capital to assets | 13.3601% | 1,186 |
| Core capital (leverage) ratio | 13.5751% | 1,076 |
| Tier 1 risk-based capital ratio | 39.1998% | 244 |
| Total risk-based capital ratio | 40.4523% | 243 |
| Memoranda: | ||
| Average total assets | $40,996,250 | 5,147 |
| Average earning assets | $36,804,000 | 5,157 |
| Average equity | $5,202,500 | 5,075 |
| Average total loans | $16,099,500 | 5,233 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6149% | 1,737 |
| Cost of funding earning assets | 0.1833% | 5,103 |
| Net interest margin | 4.4316% | 796 |
| Noninterest income to average assets | 0.8591% | 1,290 |
| Noninterest expense to average assets | 3.8175% | 657 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.0087% | 2,978 |
| Return on assets (ROA) | 1.0087% | 2,981 |
| Pretax return on assets | 1.0087% | 3,633 |
| Return on Equity (ROE) | 8.0846% | 3,465 |
| Retained earnings to average equity (ytd only) | 6.1505% | 2,479 |
| Net charge-offs to loans | 0.0379% | 2,094 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 69.6667% | 913 |
| Efficiency ratio | 79.1000% | 1,106 |
| Assets per employee ($millions) | 2.7289% | 5,250 |
| Cash dividends to net income (ytd only)* | 23.9234% | 2,860 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5586% | 1,216 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0269% | 4,892 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 37.1876% | 5,148 |
| Net loans and leases to deposits | 42.7272% | 5,173 |
| Net loans and leases to core deposits | 45.8660% | 5,155 |
| Total domestic deposits to total assets | 87.0349% | 1,825 |
| Equity capital to assets | 12.7477% | 1,421 |
| Core capital (leverage) ratio | 13.1424% | 1,175 |
| Tier 1 risk-based capital ratio | 40.6531% | 220 |
| Total risk-based capital ratio | 41.9079% | 219 |
| Memoranda: | ||
| Average total assets | $41,440,670 | 5,196 |
| Average earning assets | $37,097,000 | 5,211 |
| Average equity | $5,170,330 | 5,137 |
| Average total loans | $15,821,000 | 5,298 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3891% | 2,234 |
| Cost of funding earning assets | 0.1709% | 5,158 |
| Net interest margin | 4.2182% | 1,139 |
| Noninterest income to average assets | 0.8730% | 1,223 |
| Noninterest expense to average assets | 3.8374% | 639 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.8250% | 3,611 |
| Return on assets (ROA) | 0.8250% | 3,622 |
| Pretax return on assets | 0.8250% | 4,093 |
| Return on Equity (ROE) | 6.6842% | 3,914 |
| Retained earnings to average equity (ytd only) | 2.7980% | 4,073 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.3045% | 921 |
| Assets per employee ($millions) | 2.7527% | 5,310 |
| Cash dividends to net income (ytd only)* | 58.1395% | 1,296 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5053% | 1,446 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0266% | 4,982 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 38.6646% | 5,118 |
| Net loans and leases to deposits | 44.2342% | 5,151 |
| Net loans and leases to core deposits | 47.4316% | 5,115 |
| Total domestic deposits to total assets | 87.4089% | 1,947 |
| Equity capital to assets | 12.3853% | 1,557 |
| Core capital (leverage) ratio | 12.8578% | 1,228 |
| Tier 1 risk-based capital ratio | 39.8016% | 227 |
| Total risk-based capital ratio | 41.0589% | 226 |
| Memoranda: | ||
| Average total assets | $41,694,500 | 5,255 |
| Average earning assets | $37,456,500 | 5,263 |
| Average equity | $5,146,500 | 5,196 |
| Average total loans | $16,000,000 | 5,355 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4165% | 1,984 |
| Cost of funding earning assets | 0.1402% | 5,316 |
| Net interest margin | 4.2763% | 1,019 |
| Noninterest income to average assets | 0.9219% | 1,208 |
| Noninterest expense to average assets | 4.1233% | 457 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.6610% | 3,781 |
| Return on assets (ROA) | 0.6610% | 3,817 |
| Pretax return on assets | 0.6610% | 4,604 |
| Return on Equity (ROE) | 5.1239% | 4,109 |
| Retained earnings to average equity (ytd only) | 4.1423% | 2,683 |
| Net charge-offs to loans | 0.2698% | 969 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 5.9318% | 3,251 |
| Efficiency ratio | 86.1832% | 635 |
| Assets per employee ($millions) | 2.8065% | 5,318 |
| Cash dividends to net income (ytd only)* | 19.1571% | 3,700 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5452% | 1,281 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 36.9305% | 5,257 |
| Net loans and leases to deposits | 42.2071% | 5,292 |
| Net loans and leases to core deposits | 45.1829% | 5,262 |
| Total domestic deposits to total assets | 87.4982% | 1,763 |
| Equity capital to assets | 12.3022% | 1,636 |
| Core capital (leverage) ratio | 13.7854% | 892 |
| Tier 1 risk-based capital ratio | 40.1802% | 211 |
| Total risk-based capital ratio | 41.4351% | 208 |
| Memoranda: | ||
| Average total assets | $39,483,000 | 5,337 |
| Average earning assets | $35,661,400 | 5,335 |
| Average equity | $5,093,800 | 5,257 |
| Average total loans | $16,308,600 | 5,414 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4418% | 1,817 |
| Cost of funding earning assets | 0.1366% | 5,388 |
| Net interest margin | 4.3052% | 912 |
| Noninterest income to average assets | 0.9511% | 1,139 |
| Noninterest expense to average assets | 4.0244% | 503 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.8241% | 3,417 |
| Return on assets (ROA) | 0.8241% | 3,451 |
| Pretax return on assets | 0.8241% | 4,289 |
| Return on Equity (ROE) | 6.3083% | 3,978 |
| Retained earnings to average equity (ytd only) | 4.9942% | 2,891 |
| Net charge-offs to loans | 0.3569% | 594 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 5.4541% | 3,107 |
| Efficiency ratio | 83.0028% | 839 |
| Assets per employee ($millions) | 2.9115% | 5,321 |
| Cash dividends to net income (ytd only)* | 20.8350% | 3,103 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4926% | 1,557 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 39.5059% | 5,215 |
| Net loans and leases to deposits | 45.3874% | 5,273 |
| Net loans and leases to core deposits | 48.3733% | 5,248 |
| Total domestic deposits to total assets | 87.0415% | 1,858 |
| Equity capital to assets | 12.7499% | 1,514 |
| Core capital (leverage) ratio | 14.0917% | 873 |
| Tier 1 risk-based capital ratio | 40.8969% | 208 |
| Total risk-based capital ratio | 42.1479% | 202 |
| Memoranda: | ||
| Average total assets | $38,829,250 | 5,403 |
| Average earning assets | $35,150,250 | 5,407 |
| Average equity | $5,072,500 | 5,319 |
| Average total loans | $16,438,000 | 5,467 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4086% | 1,787 |
| Cost of funding earning assets | 0.1212% | 5,501 |
| Net interest margin | 4.2874% | 890 |
| Noninterest income to average assets | 1.0109% | 998 |
| Noninterest expense to average assets | 4.0120% | 518 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.8904% | 2,963 |
| Return on assets (ROA) | 0.8904% | 3,018 |
| Pretax return on assets | 0.8904% | 3,961 |
| Return on Equity (ROE) | 6.7581% | 3,690 |
| Retained earnings to average equity (ytd only) | 4.7704% | 2,871 |
| Net charge-offs to loans | 0.4251% | 477 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 4.8571% | 2,880 |
| Efficiency ratio | 81.8376% | 1,023 |
| Assets per employee ($millions) | 2.6438% | 5,495 |
| Cash dividends to net income (ytd only)* | 29.4118% | 2,800 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5342% | 1,457 |
| Loan loss allowance to noncurrent loans | 2,530.0000% | 271 |
| Noncurrent assets plus other real estate owned to assets | 0.0252% | 5,167 |
| Noncurrent loans to loans | 0.0606% | 4,883 |
| Net loans and leases to total assets | 40.9461% | 5,192 |
| Net loans and leases to deposits | 47.0339% | 5,246 |
| Net loans and leases to core deposits | 50.2134% | 5,216 |
| Total domestic deposits to total assets | 87.0565% | 1,926 |
| Equity capital to assets | 12.9183% | 1,411 |
| Core capital (leverage) ratio | 13.9518% | 881 |
| Tier 1 risk-based capital ratio | 39.6689% | 217 |
| Total risk-based capital ratio | 40.9221% | 212 |
| Memoranda: | ||
| Average total assets | $38,185,330 | 5,458 |
| Average earning assets | $34,659,330 | 5,460 |
| Average equity | $5,031,000 | 5,361 |
| Average total loans | $16,468,330 | 5,517 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1785% | 2,346 |
| Cost of funding earning assets | 0.1263% | 5,522 |
| Net interest margin | 4.0522% | 1,345 |
| Noninterest income to average assets | 1.0147% | 976 |
| Noninterest expense to average assets | 3.8879% | 608 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.8972% | 2,778 |
| Return on assets (ROA) | 0.8972% | 2,826 |
| Pretax return on assets | 0.8972% | 3,783 |
| Return on Equity (ROE) | 6.7402% | 3,525 |
| Retained earnings to average equity (ytd only) | 2.7282% | 4,046 |
| Net charge-offs to loans | 0.1215% | 1,196 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 16.8000% | 1,626 |
| Efficiency ratio | 81.2500% | 1,227 |
| Assets per employee ($millions) | 2.7075% | 5,535 |
| Cash dividends to net income (ytd only)* | 59.5238% | 1,442 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7171% | 1,108 |
| Loan loss allowance to noncurrent loans | 404.2857% | 1,258 |
| Noncurrent assets plus other real estate owned to assets | 0.1847% | 4,512 |
| Noncurrent loans to loans | 0.4247% | 3,573 |
| Net loans and leases to total assets | 42.7331% | 5,121 |
| Net loans and leases to deposits | 49.2430% | 5,167 |
| Net loans and leases to core deposits | 50.2903% | 5,212 |
| Total domestic deposits to total assets | 86.7801% | 2,319 |
| Equity capital to assets | 13.1988% | 1,187 |
| Core capital (leverage) ratio | 13.6777% | 919 |
| Tier 1 risk-based capital ratio | 41.0185% | 210 |
| Total risk-based capital ratio | 42.2795% | 207 |
| Memoranda: | ||
| Average total assets | $37,449,500 | 5,534 |
| Average earning assets | $34,845,000 | 5,524 |
| Average equity | $4,985,000 | 5,421 |
| Average total loans | $16,457,000 | 5,577 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2090% | 2,459 |
| Cost of funding earning assets | 0.1371% | 5,504 |
| Net interest margin | 4.0719% | 1,446 |
| Noninterest income to average assets | 0.9984% | 1,154 |
| Noninterest expense to average assets | 4.1896% | 493 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.6621% | 3,943 |
| Return on assets (ROA) | 0.6621% | 4,059 |
| Pretax return on assets | 0.6621% | 4,615 |
| Return on Equity (ROE) | 5.0792% | 4,393 |
| Retained earnings to average equity (ytd only) | 5.0792% | 2,297 |
| Net charge-offs to loans | -0.0057% | 4,829 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.3537% | 794 |
| Assets per employee ($millions) | 2.6424% | 5,590 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7587% | 1,021 |
| Loan loss allowance to noncurrent loans | 566.6667% | 960 |
| Noncurrent assets plus other real estate owned to assets | 0.1379% | 4,756 |
| Noncurrent loans to loans | 0.3104% | 4,032 |
| Net loans and leases to total assets | 43.6395% | 5,133 |
| Net loans and leases to deposits | 50.4658% | 5,187 |
| Net loans and leases to core deposits | 51.5700% | 5,248 |
| Total domestic deposits to total assets | 86.4735% | 2,386 |
| Equity capital to assets | 13.4265% | 1,084 |
| Core capital (leverage) ratio | 13.5729% | 947 |
| Tier 1 risk-based capital ratio | 39.4051% | 230 |
| Total risk-based capital ratio | 40.6641% | 227 |
| Memoranda: | ||
| Average total assets | $37,759,800 | 5,576 |
| Average earning assets | $35,732,800 | 5,547 |
| Average equity | $4,922,000 | 5,481 |
| Average total loans | $17,397,800 | 5,599 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1977% | 2,525 |
| Cost of funding earning assets | 0.1364% | 5,576 |
| Net interest margin | 4.0613% | 1,497 |
| Noninterest income to average assets | 0.9978% | 1,154 |
| Noninterest expense to average assets | 4.0331% | 565 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.8362% | 3,212 |
| Return on assets (ROA) | 0.8362% | 3,333 |
| Pretax return on assets | 0.8362% | 4,198 |
| Return on Equity (ROE) | 6.4619% | 3,855 |
| Retained earnings to average equity (ytd only) | 6.4619% | 1,932 |
| Net charge-offs to loans | -0.0075% | 4,697 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.8283% | 1,093 |
| Assets per employee ($millions) | 2.6694% | 5,622 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7117% | 1,192 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 44.4049% | 5,165 |
| Net loans and leases to deposits | 51.4877% | 5,228 |
| Net loans and leases to core deposits | 52.6341% | 5,285 |
| Total domestic deposits to total assets | 86.2437% | 2,241 |
| Equity capital to assets | 13.5262% | 1,235 |
| Core capital (leverage) ratio | 13.5335% | 984 |
| Tier 1 risk-based capital ratio | 39.5502% | 233 |
| Total risk-based capital ratio | 40.8094% | 231 |
| Memoranda: | ||
| Average total assets | $37,951,250 | 5,633 |
| Average earning assets | $36,177,750 | 5,595 |
| Average equity | $4,910,750 | 5,540 |
| Average total loans | $17,639,000 | 5,644 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1013% | 2,853 |
| Cost of funding earning assets | 0.1362% | 5,639 |
| Net interest margin | 3.9651% | 1,754 |
| Noninterest income to average assets | 0.9071% | 1,356 |
| Noninterest expense to average assets | 4.0268% | 572 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.6974% | 3,802 |
| Return on assets (ROA) | 0.6974% | 3,958 |
| Pretax return on assets | 0.6974% | 4,625 |
| Return on Equity (ROE) | 5.4702% | 4,302 |
| Retained earnings to average equity (ytd only) | 5.4702% | 2,439 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.2386% | 946 |
| Assets per employee ($millions) | 2.9046% | 5,530 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6006% | 1,528 |
| Loan loss allowance to noncurrent loans | 183.9744% | 2,461 |
| Noncurrent assets plus other real estate owned to assets | 0.4131% | 3,847 |
| Noncurrent loans to loans | 0.8700% | 2,568 |
| Net loans and leases to total assets | 46.7267% | 5,082 |
| Net loans and leases to deposits | 53.8765% | 5,143 |
| Net loans and leases to core deposits | 55.0549% | 5,219 |
| Total domestic deposits to total assets | 86.7293% | 2,048 |
| Equity capital to assets | 13.0853% | 1,452 |
| Core capital (leverage) ratio | 12.9184% | 1,187 |
| Tier 1 risk-based capital ratio | 37.7519% | 269 |
| Total risk-based capital ratio | 39.0103% | 268 |
| Memoranda: | ||
| Average total assets | $38,144,330 | 5,698 |
| Average earning assets | $36,720,000 | 5,649 |
| Average equity | $4,862,670 | 5,604 |
| Average total loans | $17,890,670 | 5,702 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9388% | 3,439 |
| Cost of funding earning assets | 0.1623% | 5,530 |
| Net interest margin | 3.7764% | 2,381 |
| Noninterest income to average assets | 0.9808% | 1,123 |
| Noninterest expense to average assets | 3.9440% | 649 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.6782% | 3,833 |
| Return on assets (ROA) | 0.6782% | 3,951 |
| Pretax return on assets | 0.6782% | 4,596 |
| Return on Equity (ROE) | 5.3903% | 4,296 |
| Retained earnings to average equity (ytd only) | 5.3903% | 2,722 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.3273% | 1,038 |
| Assets per employee ($millions) | 2.7707% | 5,691 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5955% | 1,621 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 45.6329% | 5,145 |
| Net loans and leases to deposits | 52.2647% | 5,211 |
| Net loans and leases to core deposits | 53.3677% | 5,295 |
| Total domestic deposits to total assets | 87.3112% | 2,045 |
| Equity capital to assets | 12.5599% | 1,645 |
| Core capital (leverage) ratio | 12.5182% | 1,331 |
| Tier 1 risk-based capital ratio | 37.5185% | 278 |
| Total risk-based capital ratio | 38.7787% | 275 |
| Memoranda: | ||
| Average total assets | $38,336,500 | 5,750 |
| Average earning assets | $36,966,000 | 5,703 |
| Average equity | $4,823,500 | 5,655 |
| Average total loans | $17,870,500 | 5,757 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5428% | 1,476 |
| Cost of funding earning assets | 0.1929% | 5,339 |
| Net interest margin | 4.3499% | 875 |
| Noninterest income to average assets | 0.8691% | 1,535 |
| Noninterest expense to average assets | 4.2833% | 499 |
| Loan and lease loss provision to assets | 0.0108% | 4,188 |
| Net operating income to assets | 0.6532% | 4,020 |
| Return on assets (ROA) | 0.6532% | 4,119 |
| Pretax return on assets | 0.6532% | 4,667 |
| Return on Equity (ROE) | 5.1018% | 4,459 |
| Retained earnings to average equity (ytd only) | 3.4153% | 3,625 |
| Net charge-offs to loans | 0.2495% | 1,204 |
| Credit loss provision to net charge-offs | 8.5106% | 3,833 |
| Earnings coverage of net charge-offs (x) | 5.2340% | 3,421 |
| Efficiency ratio | 86.5794% | 958 |
| Assets per employee ($millions) | 2.9141% | 5,599 |
| Cash dividends to net income (ytd only)* | 33.0579% | 3,203 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6166% | 1,557 |
| Loan loss allowance to noncurrent loans | 193.9189% | 2,309 |
| Noncurrent assets plus other real estate owned to assets | 0.3907% | 4,029 |
| Noncurrent loans to loans | 0.8337% | 2,703 |
| Net loans and leases to total assets | 46.1051% | 5,150 |
| Net loans and leases to deposits | 52.8104% | 5,235 |
| Net loans and leases to core deposits | 53.9507% | 5,321 |
| Total domestic deposits to total assets | 87.3030% | 1,983 |
| Equity capital to assets | 12.6046% | 1,563 |
| Core capital (leverage) ratio | 12.4265% | 1,387 |
| Tier 1 risk-based capital ratio | 38.3926% | 253 |
| Total risk-based capital ratio | 39.6595% | 250 |
| Memoranda: | ||
| Average total assets | $37,050,800 | 5,824 |
| Average earning assets | $34,736,200 | 5,793 |
| Average equity | $4,743,400 | 5,712 |
| Average total loans | $18,840,800 | 5,769 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6773% | 1,140 |
| Cost of funding earning assets | 0.1944% | 5,429 |
| Net interest margin | 4.4829% | 677 |
| Noninterest income to average assets | 0.9011% | 1,445 |
| Noninterest expense to average assets | 4.1509% | 561 |
| Loan and lease loss provision to assets | 0.0145% | 3,980 |
| Net operating income to assets | 0.9083% | 2,922 |
| Return on assets (ROA) | 0.9083% | 3,015 |
| Pretax return on assets | 0.9083% | 3,957 |
| Return on Equity (ROE) | 7.0670% | 3,585 |
| Retained earnings to average equity (ytd only) | 4.8145% | 3,038 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.8117% | 1,420 |
| Assets per employee ($millions) | 2.8460% | 5,709 |
| Cash dividends to net income (ytd only)* | 31.8712% | 2,721 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7532% | 1,357 |
| Loan loss allowance to noncurrent loans | 258.9147% | 1,812 |
| Noncurrent assets plus other real estate owned to assets | 0.6514% | 3,300 |
| Noncurrent loans to loans | 0.6771% | 3,291 |
| Net loans and leases to total assets | 50.5892% | 4,885 |
| Net loans and leases to deposits | 58.3557% | 4,970 |
| Net loans and leases to core deposits | 58.8326% | 5,141 |
| Total domestic deposits to total assets | 86.6912% | 2,190 |
| Equity capital to assets | 12.9980% | 1,445 |
| Core capital (leverage) ratio | 12.7559% | 1,296 |
| Tier 1 risk-based capital ratio | 36.2372% | 317 |
| Total risk-based capital ratio | 37.4990% | 316 |
| Memoranda: | ||
| Average total assets | $36,842,750 | 5,909 |
| Average earning assets | $34,292,250 | 5,885 |
| Average equity | $4,735,500 | 5,791 |
| Average total loans | $19,112,750 | 5,825 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7875% | 913 |
| Cost of funding earning assets | 0.1946% | 5,490 |
| Net interest margin | 4.5929% | 537 |
| Noninterest income to average assets | 0.9459% | 1,315 |
| Noninterest expense to average assets | 4.0608% | 632 |
| Loan and lease loss provision to assets | 0.0217% | 3,697 |
| Net operating income to assets | 1.0981% | 1,962 |
| Return on assets (ROA) | 1.0981% | 2,053 |
| Pretax return on assets | 1.0981% | 3,182 |
| Return on Equity (ROE) | 8.5757% | 2,760 |
| Retained earnings to average equity (ytd only) | 5.3916% | 2,606 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.3841% | 2,008 |
| Assets per employee ($millions) | 2.8656% | 5,747 |
| Cash dividends to net income (ytd only)* | 37.1287% | 2,530 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7701% | 1,432 |
| Loan loss allowance to noncurrent loans | 6,680.0000% | 103 |
| Noncurrent assets plus other real estate owned to assets | 0.3141% | 4,617 |
| Noncurrent loans to loans | 0.0265% | 5,654 |
| Net loans and leases to total assets | 49.7544% | 4,955 |
| Net loans and leases to deposits | 57.1697% | 5,050 |
| Net loans and leases to core deposits | 57.6301% | 5,215 |
| Total domestic deposits to total assets | 87.0292% | 2,154 |
| Equity capital to assets | 12.7560% | 1,512 |
| Core capital (leverage) ratio | 12.6197% | 1,326 |
| Tier 1 risk-based capital ratio | 35.2563% | 355 |
| Total risk-based capital ratio | 36.5192% | 355 |
| Memoranda: | ||
| Average total assets | $36,791,000 | 5,977 |
| Average earning assets | $33,922,000 | 5,954 |
| Average equity | $4,711,000 | 5,854 |
| Average total loans | $19,133,330 | 5,885 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7760% | 897 |
| Cost of funding earning assets | 0.2040% | 5,475 |
| Net interest margin | 4.5720% | 531 |
| Noninterest income to average assets | 1.0941% | 946 |
| Noninterest expense to average assets | 4.0919% | 625 |
| Loan and lease loss provision to assets | 0.0438% | 3,042 |
| Net operating income to assets | 1.1269% | 1,765 |
| Return on assets (ROA) | 1.1269% | 1,871 |
| Pretax return on assets | 1.1269% | 2,965 |
| Return on Equity (ROE) | 8.7837% | 2,554 |
| Retained earnings to average equity (ytd only) | 8.7837% | 1,274 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.7547% | 2,222 |
| Assets per employee ($millions) | 2.8547% | 5,824 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7345% | 1,654 |
| Loan loss allowance to noncurrent loans | 6,680.0000% | 98 |
| Noncurrent assets plus other real estate owned to assets | 0.6225% | 3,620 |
| Noncurrent loans to loans | 0.0260% | 5,701 |
| Net loans and leases to total assets | 50.9876% | 4,745 |
| Net loans and leases to deposits | 58.4933% | 4,878 |
| Net loans and leases to core deposits | 58.9654% | 5,066 |
| Total domestic deposits to total assets | 87.1682% | 2,283 |
| Equity capital to assets | 12.7806% | 1,519 |
| Core capital (leverage) ratio | 12.7128% | 1,269 |
| Tier 1 risk-based capital ratio | 33.4116% | 410 |
| Total risk-based capital ratio | 34.6704% | 400 |
| Memoranda: | ||
| Average total assets | $36,560,000 | 6,039 |
| Average earning assets | $33,333,500 | 6,032 |
| Average equity | $4,690,500 | 5,909 |
| Average total loans | $19,265,500 | 5,930 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1332% | 591 |
| Cost of funding earning assets | 0.2435% | 5,390 |
| Net interest margin | 4.8897% | 364 |
| Noninterest income to average assets | 1.0734% | 1,053 |
| Noninterest expense to average assets | 4.6956% | 396 |
| Loan and lease loss provision to assets | 0.2124% | 1,175 |
| Net operating income to assets | 0.6601% | 4,087 |
| Return on assets (ROA) | 0.6601% | 4,187 |
| Pretax return on assets | 0.6601% | 4,757 |
| Return on Equity (ROE) | 5.0474% | 4,636 |
| Retained earnings to average equity (ytd only) | 3.4015% | 3,786 |
| Net charge-offs to loans | 0.2968% | 1,485 |
| Credit loss provision to net charge-offs | 132.1429% | 1,802 |
| Earnings coverage of net charge-offs (x) | 5.4286% | 3,421 |
| Efficiency ratio | 84.3299% | 1,369 |
| Assets per employee ($millions) | 2.7699% | 5,960 |
| Cash dividends to net income (ytd only)* | 32.6087% | 3,253 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7121% | 1,745 |
| Loan loss allowance to noncurrent loans | 647.0588% | 873 |
| Noncurrent assets plus other real estate owned to assets | 0.9053% | 2,953 |
| Noncurrent loans to loans | 0.2646% | 4,892 |
| Net loans and leases to total assets | 52.6118% | 4,726 |
| Net loans and leases to deposits | 60.4518% | 4,864 |
| Net loans and leases to core deposits | 60.9536% | 5,069 |
| Total domestic deposits to total assets | 87.0310% | 2,265 |
| Equity capital to assets | 12.8801% | 1,425 |
| Core capital (leverage) ratio | 13.2107% | 1,055 |
| Tier 1 risk-based capital ratio | 34.5226% | 354 |
| Total risk-based capital ratio | 35.7921% | 348 |
| Memoranda: | ||
| Average total assets | $34,841,000 | 6,161 |
| Average earning assets | $32,026,600 | 6,143 |
| Average equity | $4,556,800 | 5,974 |
| Average total loans | $18,870,800 | 6,003 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1902% | 535 |
| Cost of funding earning assets | 0.2703% | 5,193 |
| Net interest margin | 4.9199% | 340 |
| Noninterest income to average assets | 1.0806% | 1,041 |
| Noninterest expense to average assets | 4.6040% | 418 |
| Loan and lease loss provision to assets | 0.1235% | 2,021 |
| Net operating income to assets | 0.8490% | 3,183 |
| Return on assets (ROA) | 0.8490% | 3,276 |
| Pretax return on assets | 0.8490% | 4,180 |
| Return on Equity (ROE) | 6.4660% | 3,988 |
| Retained earnings to average equity (ytd only) | 4.2617% | 3,616 |
| Net charge-offs to loans | 0.1918% | 1,934 |
| Credit loss provision to net charge-offs | 118.5185% | 1,933 |
| Earnings coverage of net charge-offs (x) | 9.3331% | 2,686 |
| Efficiency ratio | 82.5606% | 1,546 |
| Assets per employee ($millions) | 2.7184% | 6,066 |
| Cash dividends to net income (ytd only)* | 34.0913% | 2,617 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6778% | 2,043 |
| Loan loss allowance to noncurrent loans | 278.9474% | 1,629 |
| Noncurrent assets plus other real estate owned to assets | 1.0046% | 2,947 |
| Noncurrent loans to loans | 0.6015% | 4,128 |
| Net loans and leases to total assets | 52.7321% | 4,729 |
| Net loans and leases to deposits | 60.7320% | 4,871 |
| Net loans and leases to core deposits | 61.2429% | 5,093 |
| Total domestic deposits to total assets | 86.8276% | 2,403 |
| Equity capital to assets | 13.0649% | 1,398 |
| Core capital (leverage) ratio | 13.1700% | 1,113 |
| Tier 1 risk-based capital ratio | 34.9174% | 356 |
| Total risk-based capital ratio | 36.1892% | 351 |
| Memoranda: | ||
| Average total assets | $34,549,000 | 6,240 |
| Average earning assets | $31,571,500 | 6,227 |
| Average equity | $4,536,500 | 6,040 |
| Average total loans | $18,769,750 | 6,071 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1219% | 591 |
| Cost of funding earning assets | 0.2729% | 5,258 |
| Net interest margin | 4.8490% | 377 |
| Noninterest income to average assets | 1.0733% | 1,035 |
| Noninterest expense to average assets | 4.5383% | 435 |
| Loan and lease loss provision to assets | 0.1167% | 2,090 |
| Net operating income to assets | 0.8750% | 2,935 |
| Return on assets (ROA) | 0.8750% | 3,025 |
| Pretax return on assets | 0.8750% | 3,978 |
| Return on Equity (ROE) | 6.6524% | 3,799 |
| Retained earnings to average equity (ytd only) | 3.3262% | 4,081 |
| Net charge-offs to loans | 0.3100% | 1,305 |
| Credit loss provision to net charge-offs | 68.9655% | 2,489 |
| Earnings coverage of net charge-offs (x) | 5.8621% | 2,859 |
| Efficiency ratio | 82.0675% | 1,735 |
| Assets per employee ($millions) | 2.4679% | 6,317 |
| Cash dividends to net income (ytd only)* | 50.0000% | 1,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5803% | 2,537 |
| Loan loss allowance to noncurrent loans | 152.2613% | 2,688 |
| Noncurrent assets plus other real estate owned to assets | 1.0448% | 2,976 |
| Noncurrent loans to loans | 1.0379% | 3,159 |
| Net loans and leases to total assets | 54.6149% | 4,463 |
| Net loans and leases to deposits | 62.9567% | 4,599 |
| Net loans and leases to core deposits | 64.8075% | 4,743 |
| Total domestic deposits to total assets | 86.7500% | 2,602 |
| Equity capital to assets | 13.1805% | 1,275 |
| Core capital (leverage) ratio | 13.1679% | 1,101 |
| Tier 1 risk-based capital ratio | 34.0062% | 374 |
| Total risk-based capital ratio | 35.2640% | 366 |
| Memoranda: | ||
| Average total assets | $34,285,670 | 6,304 |
| Average earning assets | $31,511,670 | 6,284 |
| Average equity | $4,509,670 | 6,090 |
| Average total loans | $18,708,670 | 6,133 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9715% | 759 |
| Cost of funding earning assets | 0.2755% | 5,328 |
| Net interest margin | 4.6960% | 475 |
| Noninterest income to average assets | 1.0892% | 942 |
| Noninterest expense to average assets | 4.5208% | 451 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.9604% | 2,359 |
| Return on assets (ROA) | 0.9604% | 2,426 |
| Pretax return on assets | 0.9604% | 3,473 |
| Return on Equity (ROE) | 7.3092% | 3,309 |
| Retained earnings to average equity (ytd only) | 0.6240% | 5,339 |
| Net charge-offs to loans | -0.0433% | 5,747 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.4786% | 1,869 |
| Assets per employee ($millions) | 2.2864% | 6,471 |
| Cash dividends to net income (ytd only)* | 91.4634% | 792 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6532% | 2,500 |
| Loan loss allowance to noncurrent loans | 126.1044% | 3,039 |
| Noncurrent assets plus other real estate owned to assets | 1.1284% | 2,995 |
| Noncurrent loans to loans | 1.3110% | 2,839 |
| Net loans and leases to total assets | 54.4641% | 4,352 |
| Net loans and leases to deposits | 62.7317% | 4,464 |
| Net loans and leases to core deposits | 63.2757% | 4,753 |
| Total domestic deposits to total assets | 86.8206% | 2,927 |
| Equity capital to assets | 13.0977% | 1,266 |
| Core capital (leverage) ratio | 13.0848% | 1,131 |
| Tier 1 risk-based capital ratio | 33.8043% | 390 |
| Total risk-based capital ratio | 35.0729% | 380 |
| Memoranda: | ||
| Average total assets | $34,153,000 | 6,372 |
| Average earning assets | $31,942,000 | 6,340 |
| Average equity | $4,487,500 | 6,137 |
| Average total loans | $18,476,500 | 6,199 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7763% | 1,378 |
| Cost of funding earning assets | 0.3212% | 5,412 |
| Net interest margin | 4.4551% | 813 |
| Noninterest income to average assets | 1.2637% | 869 |
| Noninterest expense to average assets | 4.7051% | 443 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.6348% | 4,098 |
| Return on assets (ROA) | 0.6348% | 4,202 |
| Pretax return on assets | 0.6348% | 4,754 |
| Return on Equity (ROE) | 4.8693% | 4,684 |
| Retained earnings to average equity (ytd only) | 0.3607% | 5,688 |
| Net charge-offs to loans | 0.0852% | 4,019 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 14.4000% | 1,947 |
| Efficiency ratio | 88.1123% | 1,203 |
| Assets per employee ($millions) | 2.2673% | 6,538 |
| Cash dividends to net income (ytd only)* | 92.5926% | 580 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7372% | 2,278 |
| Loan loss allowance to noncurrent loans | 66.8094% | 4,594 |
| Noncurrent assets plus other real estate owned to assets | 1.7789% | 2,077 |
| Noncurrent loans to loans | 2.6002% | 1,440 |
| Net loans and leases to total assets | 51.8906% | 4,872 |
| Net loans and leases to deposits | 59.8075% | 4,952 |
| Net loans and leases to core deposits | 60.3309% | 5,197 |
| Total domestic deposits to total assets | 86.7627% | 2,853 |
| Equity capital to assets | 13.1814% | 1,193 |
| Core capital (leverage) ratio | 12.7345% | 1,242 |
| Tier 1 risk-based capital ratio | 36.4382% | 288 |
| Total risk-based capital ratio | 37.7103% | 285 |
| Memoranda: | ||
| Average total assets | $34,027,200 | 6,432 |
| Average earning assets | $31,132,600 | 6,418 |
| Average equity | $4,436,000 | 6,224 |
| Average total loans | $17,604,000 | 6,299 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7356% | 1,508 |
| Cost of funding earning assets | 0.3373% | 5,410 |
| Net interest margin | 4.3983% | 896 |
| Noninterest income to average assets | 1.2968% | 882 |
| Noninterest expense to average assets | 4.6936% | 443 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.5877% | 4,401 |
| Return on assets (ROA) | 0.5877% | 4,531 |
| Pretax return on assets | 0.5877% | 5,064 |
| Return on Equity (ROE) | 4.5205% | 4,976 |
| Retained earnings to average equity (ytd only) | -1.5069% | 6,196 |
| Net charge-offs to loans | 0.1294% | 3,236 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 8.8222% | 2,572 |
| Efficiency ratio | 88.8724% | 1,094 |
| Assets per employee ($millions) | 2.5194% | 6,459 |
| Cash dividends to net income (ytd only)* | 133.3300% | 173 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7322% | 2,511 |
| Loan loss allowance to noncurrent loans | 84.0108% | 3,930 |
| Noncurrent assets plus other real estate owned to assets | 1.6869% | 2,442 |
| Noncurrent loans to loans | 2.0619% | 2,181 |
| Net loans and leases to total assets | 49.8582% | 5,155 |
| Net loans and leases to deposits | 57.0548% | 5,273 |
| Net loans and leases to core deposits | 57.5326% | 5,485 |
| Total domestic deposits to total assets | 87.3866% | 2,467 |
| Equity capital to assets | 12.5397% | 1,562 |
| Core capital (leverage) ratio | 12.6124% | 1,365 |
| Tier 1 risk-based capital ratio | 34.4190% | 354 |
| Total risk-based capital ratio | 35.7014% | 347 |
| Memoranda: | ||
| Average total assets | $34,031,500 | 6,505 |
| Average earning assets | $30,829,500 | 6,494 |
| Average equity | $4,424,250 | 6,301 |
| Average total loans | $17,515,000 | 6,364 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6882% | 1,601 |
| Cost of funding earning assets | 0.3423% | 5,471 |
| Net interest margin | 4.3460% | 946 |
| Noninterest income to average assets | 1.4457% | 755 |
| Noninterest expense to average assets | 4.6166% | 479 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.8329% | 3,132 |
| Return on assets (ROA) | 0.8329% | 3,287 |
| Pretax return on assets | 0.8329% | 4,184 |
| Return on Equity (ROE) | 6.3282% | 3,980 |
| Retained earnings to average equity (ytd only) | -2.7121% | 6,274 |
| Net charge-offs to loans | -0.0115% | 5,804 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.7162% | 1,556 |
| Assets per employee ($millions) | 2.4110% | 6,573 |
| Cash dividends to net income (ytd only)* | 142.8571% | 231 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9360% | 2,000 |
| Loan loss allowance to noncurrent loans | 77.1765% | 4,138 |
| Noncurrent assets plus other real estate owned to assets | 1.8546% | 2,337 |
| Noncurrent loans to loans | 2.5086% | 1,844 |
| Net loans and leases to total assets | 49.2208% | 5,198 |
| Net loans and leases to deposits | 56.6605% | 5,279 |
| Net loans and leases to core deposits | 57.1576% | 5,509 |
| Total domestic deposits to total assets | 86.8697% | 2,898 |
| Equity capital to assets | 13.0859% | 1,316 |
| Core capital (leverage) ratio | 12.8557% | 1,222 |
| Tier 1 risk-based capital ratio | 37.7019% | 273 |
| Total risk-based capital ratio | 38.9892% | 269 |
| Memoranda: | ||
| Average total assets | $33,618,000 | 6,564 |
| Average earning assets | $30,971,330 | 6,537 |
| Average equity | $4,424,670 | 6,348 |
| Average total loans | $17,388,000 | 6,409 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7215% | 1,472 |
| Cost of funding earning assets | 0.3493% | 5,539 |
| Net interest margin | 4.3722% | 841 |
| Noninterest income to average assets | 1.5142% | 676 |
| Noninterest expense to average assets | 4.5902% | 500 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.9538% | 2,426 |
| Return on assets (ROA) | 0.9538% | 2,565 |
| Pretax return on assets | 0.9538% | 3,548 |
| Return on Equity (ROE) | 7.2259% | 3,366 |
| Retained earnings to average equity (ytd only) | -10.8389% | 6,646 |
| Net charge-offs to loans | -0.0227% | 5,776 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.7957% | 1,919 |
| Assets per employee ($millions) | 2.3990% | 6,659 |
| Cash dividends to net income (ytd only)* | 250.0000% | 135 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9153% | 2,262 |
| Loan loss allowance to noncurrent loans | 67.7686% | 4,418 |
| Noncurrent assets plus other real estate owned to assets | 2.1497% | 2,185 |
| Noncurrent loans to loans | 2.8263% | 1,794 |
| Net loans and leases to total assets | 50.0119% | 4,990 |
| Net loans and leases to deposits | 57.4984% | 5,093 |
| Net loans and leases to core deposits | 58.0047% | 5,345 |
| Total domestic deposits to total assets | 86.9797% | 2,971 |
| Equity capital to assets | 12.9965% | 1,428 |
| Core capital (leverage) ratio | 12.9712% | 1,126 |
| Tier 1 risk-based capital ratio | 36.2924% | 308 |
| Total risk-based capital ratio | 37.5569% | 302 |
| Memoranda: | ||
| Average total assets | $33,550,000 | 6,628 |
| Average earning assets | $30,922,500 | 6,603 |
| Average equity | $4,428,500 | 6,409 |
| Average total loans | $17,611,000 | 6,459 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1804% | 1,153 |
| Cost of funding earning assets | 0.4062% | 5,876 |
| Net interest margin | 4.7742% | 566 |
| Noninterest income to average assets | 1.3720% | 828 |
| Noninterest expense to average assets | 4.3286% | 660 |
| Loan and lease loss provision to assets | 0.0437% | 5,302 |
| Net operating income to assets | 1.4157% | 1,072 |
| Return on assets (ROA) | 1.4157% | 1,184 |
| Pretax return on assets | 1.4157% | 1,985 |
| Return on Equity (ROE) | 11.2427% | 1,731 |
| Retained earnings to average equity (ytd only) | 6.6161% | 1,758 |
| Net charge-offs to loans | 0.0163% | 5,683 |
| Credit loss provision to net charge-offs | 500.0000% | 481 |
| Earnings coverage of net charge-offs (x) | 167.0000% | 251 |
| Efficiency ratio | 74.7861% | 2,934 |
| Assets per employee ($millions) | 2.2343% | 6,806 |
| Cash dividends to net income (ytd only)* | 41.1523% | 2,794 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8069% | 2,565 |
| Loan loss allowance to noncurrent loans | 85.8268% | 3,740 |
| Noncurrent assets plus other real estate owned to assets | 1.8470% | 2,645 |
| Noncurrent loans to loans | 2.1053% | 2,574 |
| Net loans and leases to total assets | 53.0226% | 4,753 |
| Net loans and leases to deposits | 61.2674% | 4,872 |
| Net loans and leases to core deposits | 61.8108% | 5,175 |
| Total domestic deposits to total assets | 86.5429% | 3,082 |
| Equity capital to assets | 13.4034% | 1,268 |
| Core capital (leverage) ratio | 12.9640% | 1,124 |
| Tier 1 risk-based capital ratio | 35.1833% | 340 |
| Total risk-based capital ratio | 36.5031% | 331 |
| Memoranda: | ||
| Average total assets | $34,330,000 | 6,648 |
| Average earning assets | $31,754,200 | 6,617 |
| Average equity | $4,322,800 | 6,489 |
| Average total loans | $18,373,400 | 6,494 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1649% | 1,268 |
| Cost of funding earning assets | 0.4124% | 6,047 |
| Net interest margin | 4.7526% | 604 |
| Noninterest income to average assets | 1.4555% | 705 |
| Noninterest expense to average assets | 4.2083% | 713 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.6524% | 758 |
| Return on assets (ROA) | 1.6524% | 839 |
| Pretax return on assets | 1.6524% | 1,403 |
| Return on Equity (ROE) | 13.3314% | 1,260 |
| Retained earnings to average equity (ytd only) | 7.1017% | 2,063 |
| Net charge-offs to loans | -0.0579% | 6,744 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8050% | 3,364 |
| Assets per employee ($millions) | 2.3171% | 6,845 |
| Cash dividends to net income (ytd only)* | 46.7292% | 1,849 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7524% | 2,956 |
| Loan loss allowance to noncurrent loans | 120.0743% | 2,778 |
| Noncurrent assets plus other real estate owned to assets | 1.2775% | 3,733 |
| Noncurrent loans to loans | 1.4594% | 3,608 |
| Net loans and leases to total assets | 52.1032% | 5,033 |
| Net loans and leases to deposits | 59.8052% | 5,234 |
| Net loans and leases to core deposits | 60.3131% | 5,523 |
| Total domestic deposits to total assets | 87.1216% | 2,596 |
| Equity capital to assets | 12.7863% | 1,720 |
| Core capital (leverage) ratio | 12.6686% | 1,337 |
| Tier 1 risk-based capital ratio | 34.7663% | 367 |
| Total risk-based capital ratio | 36.0083% | 360 |
| Memoranda: | ||
| Average total assets | $34,534,000 | 6,729 |
| Average earning assets | $32,010,000 | 6,691 |
| Average equity | $4,280,500 | 6,573 |
| Average total loans | $18,442,500 | 6,577 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1576% | 1,356 |
| Cost of funding earning assets | 0.4194% | 6,170 |
| Net interest margin | 4.7382% | 624 |
| Noninterest income to average assets | 1.5032% | 648 |
| Noninterest expense to average assets | 4.4980% | 553 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.3987% | 1,197 |
| Return on assets (ROA) | 1.3987% | 1,337 |
| Pretax return on assets | 1.3987% | 2,201 |
| Return on Equity (ROE) | 11.4056% | 1,847 |
| Retained earnings to average equity (ytd only) | 1.9404% | 5,225 |
| Net charge-offs to loans | -0.0759% | 6,789 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2795% | 2,702 |
| Assets per employee ($millions) | 2.3806% | 6,841 |
| Cash dividends to net income (ytd only)* | 82.9876% | 733 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7027% | 3,213 |
| Loan loss allowance to noncurrent loans | 136.5957% | 2,432 |
| Noncurrent assets plus other real estate owned to assets | 1.1678% | 4,061 |
| Noncurrent loans to loans | 1.2466% | 4,059 |
| Net loans and leases to total assets | 51.8945% | 5,114 |
| Net loans and leases to deposits | 58.9558% | 5,348 |
| Net loans and leases to core deposits | 59.4361% | 5,656 |
| Total domestic deposits to total assets | 88.0226% | 2,125 |
| Equity capital to assets | 11.9242% | 2,200 |
| Core capital (leverage) ratio | 12.0614% | 1,573 |
| Tier 1 risk-based capital ratio | 32.3630% | 424 |
| Total risk-based capital ratio | 33.5862% | 420 |
| Memoranda: | ||
| Average total assets | $34,460,000 | 6,777 |
| Average earning assets | $31,953,000 | 6,736 |
| Average equity | $4,226,000 | 6,623 |
| Average total loans | $18,446,000 | 6,624 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2864% | 1,128 |
| Cost of funding earning assets | 0.4491% | 6,149 |
| Net interest margin | 4.8373% | 522 |
| Noninterest income to average assets | 1.6787% | 524 |
| Noninterest expense to average assets | 4.4687% | 566 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.6669% | 769 |
| Return on assets (ROA) | 1.6669% | 856 |
| Pretax return on assets | 1.6669% | 1,387 |
| Return on Equity (ROE) | 13.3967% | 1,306 |
| Retained earnings to average equity (ytd only) | -5.6057% | 6,627 |
| Net charge-offs to loans | -0.1096% | 6,821 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8324% | 3,285 |
| Assets per employee ($millions) | 2.2970% | 6,996 |
| Cash dividends to net income (ytd only)* | 141.8440% | 331 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7069% | 3,323 |
| Loan loss allowance to noncurrent loans | 119.8502% | 2,614 |
| Noncurrent assets plus other real estate owned to assets | 1.3031% | 3,955 |
| Noncurrent loans to loans | 1.4242% | 3,974 |
| Net loans and leases to total assets | 53.4814% | 4,806 |
| Net loans and leases to deposits | 60.9016% | 5,055 |
| Net loans and leases to core deposits | 61.4172% | 5,391 |
| Total domestic deposits to total assets | 87.8160% | 2,446 |
| Equity capital to assets | 12.1114% | 1,969 |
| Core capital (leverage) ratio | 12.0628% | 1,554 |
| Tier 1 risk-based capital ratio | 31.0691% | 489 |
| Total risk-based capital ratio | 32.2419% | 482 |
| Memoranda: | ||
| Average total assets | $33,835,500 | 6,844 |
| Average earning assets | $31,174,500 | 6,815 |
| Average equity | $4,210,000 | 6,662 |
| Average total loans | $18,243,000 | 6,697 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2921% | 1,728 |
| Cost of funding earning assets | 0.6466% | 5,847 |
| Net interest margin | 4.6455% | 841 |
| Noninterest income to average assets | 1.4239% | 642 |
| Noninterest expense to average assets | 4.7383% | 478 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.9842% | 2,260 |
| Return on assets (ROA) | 0.9842% | 2,404 |
| Pretax return on assets | 0.9842% | 3,300 |
| Return on Equity (ROE) | 7.7984% | 3,012 |
| Retained earnings to average equity (ytd only) | -1.6829% | 6,114 |
| Net charge-offs to loans | -0.0057% | 6,847 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.8019% | 1,917 |
| Assets per employee ($millions) | 2.2144% | 7,069 |
| Cash dividends to net income (ytd only)* | 121.5805% | 209 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7757% | 2,946 |
| Loan loss allowance to noncurrent loans | 101.6129% | 3,009 |
| Noncurrent assets plus other real estate owned to assets | 1.4812% | 3,733 |
| Noncurrent loans to loans | 1.7476% | 3,532 |
| Net loans and leases to total assets | 52.4566% | 5,241 |
| Net loans and leases to deposits | 60.2073% | 5,458 |
| Net loans and leases to core deposits | 60.7383% | 5,776 |
| Total domestic deposits to total assets | 87.1267% | 2,690 |
| Equity capital to assets | 12.7860% | 1,609 |
| Core capital (leverage) ratio | 12.2441% | 1,462 |
| Tier 1 risk-based capital ratio | 33.3790% | 381 |
| Total risk-based capital ratio | 34.7177% | 371 |
| Memoranda: | ||
| Average total assets | $33,429,800 | 6,875 |
| Average earning assets | $30,933,000 | 6,839 |
| Average equity | $4,218,800 | 6,691 |
| Average total loans | $17,520,200 | 6,784 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3139% | 1,805 |
| Cost of funding earning assets | 0.7099% | 5,701 |
| Net interest margin | 4.6039% | 936 |
| Noninterest income to average assets | 1.5450% | 549 |
| Noninterest expense to average assets | 4.6111% | 521 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.1946% | 1,666 |
| Return on assets (ROA) | 1.1946% | 1,781 |
| Pretax return on assets | 1.1946% | 2,651 |
| Return on Equity (ROE) | 9.4970% | 2,391 |
| Retained earnings to average equity (ytd only) | -3.1657% | 6,436 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.4239% | 2,343 |
| Assets per employee ($millions) | 2.4222% | 6,969 |
| Cash dividends to net income (ytd only)* | 133.3333% | 140 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8274% | 2,842 |
| Loan loss allowance to noncurrent loans | 697.7778% | 501 |
| Noncurrent assets plus other real estate owned to assets | 0.8316% | 5,101 |
| Noncurrent loans to loans | 0.2619% | 6,351 |
| Net loans and leases to total assets | 49.7449% | 5,741 |
| Net loans and leases to deposits | 56.9168% | 5,944 |
| Net loans and leases to core deposits | 57.4068% | 6,180 |
| Total domestic deposits to total assets | 87.3994% | 2,408 |
| Equity capital to assets | 12.4768% | 1,925 |
| Core capital (leverage) ratio | 11.9400% | 1,737 |
| Tier 1 risk-based capital ratio | 32.5364% | 434 |
| Total risk-based capital ratio | 33.8743% | 426 |
| Memoranda: | ||
| Average total assets | $33,483,250 | 6,940 |
| Average earning assets | $30,987,250 | 6,905 |
| Average equity | $4,211,750 | 6,738 |
| Average total loans | $17,465,500 | 6,849 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3765% | 1,631 |
| Cost of funding earning assets | 0.7458% | 5,694 |
| Net interest margin | 4.6307% | 853 |
| Noninterest income to average assets | 1.5177% | 556 |
| Noninterest expense to average assets | 4.3730% | 688 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.4277% | 1,028 |
| Return on assets (ROA) | 1.4277% | 1,091 |
| Pretax return on assets | 1.4277% | 1,734 |
| Return on Equity (ROE) | 11.3190% | 1,691 |
| Retained earnings to average equity (ytd only) | -7.7045% | 6,757 |
| Net charge-offs to loans | 0.0228% | 5,518 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 119.0000% | 296 |
| Efficiency ratio | 75.3878% | 3,124 |
| Assets per employee ($millions) | 2.4474% | 6,971 |
| Cash dividends to net income (ytd only)* | 168.0672% | 131 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8175% | 2,928 |
| Loan loss allowance to noncurrent loans | 821.0526% | 445 |
| Noncurrent assets plus other real estate owned to assets | 0.8026% | 5,282 |
| Noncurrent loans to loans | 0.2214% | 6,461 |
| Net loans and leases to total assets | 49.1901% | 5,922 |
| Net loans and leases to deposits | 56.0921% | 6,127 |
| Net loans and leases to core deposits | 57.4555% | 6,308 |
| Total domestic deposits to total assets | 87.6952% | 2,345 |
| Equity capital to assets | 12.2085% | 1,960 |
| Core capital (leverage) ratio | 11.9912% | 1,601 |
| Tier 1 risk-based capital ratio | 21.7226% | 1,295 |
| Total risk-based capital ratio | 22.6778% | 1,315 |
| Memoranda: | ||
| Average total assets | $33,340,670 | 7,004 |
| Average earning assets | $30,837,670 | 6,972 |
| Average equity | $4,205,330 | 6,781 |
| Average total loans | $17,559,670 | 6,913 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5072% | 1,276 |
| Cost of funding earning assets | 0.7886% | 5,619 |
| Net interest margin | 4.7186% | 681 |
| Noninterest income to average assets | 1.6302% | 504 |
| Noninterest expense to average assets | 4.7446% | 456 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.2531% | 1,380 |
| Return on assets (ROA) | 1.2531% | 1,433 |
| Pretax return on assets | 1.2531% | 2,188 |
| Return on Equity (ROE) | 9.7711% | 2,182 |
| Retained earnings to average equity (ytd only) | -28.1750% | 7,275 |
| Net charge-offs to loans | 0.0901% | 4,045 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 25.7500% | 951 |
| Efficiency ratio | 79.1075% | 2,680 |
| Assets per employee ($millions) | 2.5391% | 6,931 |
| Cash dividends to net income (ytd only)* | 388.3495% | 54 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7332% | 3,236 |
| Loan loss allowance to noncurrent loans | 363.5294% | 858 |
| Noncurrent assets plus other real estate owned to assets | 0.8755% | 5,157 |
| Noncurrent loans to loans | 0.4768% | 6,065 |
| Net loans and leases to total assets | 53.0750% | 5,439 |
| Net loans and leases to deposits | 60.5837% | 5,664 |
| Net loans and leases to core deposits | 62.8958% | 5,839 |
| Total domestic deposits to total assets | 87.6060% | 2,609 |
| Equity capital to assets | 12.2758% | 1,751 |
| Core capital (leverage) ratio | 11.8684% | 1,639 |
| Tier 1 risk-based capital ratio | 25.9208% | 796 |
| Total risk-based capital ratio | 27.1794% | 776 |
| Memoranda: | ||
| Average total assets | $32,879,500 | 7,076 |
| Average earning assets | $30,433,000 | 7,037 |
| Average equity | $4,216,500 | 6,805 |
| Average total loans | $17,756,500 | 6,955 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0824% | 721 |
| Cost of funding earning assets | 1.2450% | 4,249 |
| Net interest margin | 4.8373% | 624 |
| Noninterest income to average assets | 1.6596% | 530 |
| Noninterest expense to average assets | 4.8486% | 474 |
| Loan and lease loss provision to assets | 0.0909% | 6,231 |
| Net operating income to assets | 1.1327% | 1,602 |
| Return on assets (ROA) | 1.1327% | 1,680 |
| Pretax return on assets | 1.1327% | 2,453 |
| Return on Equity (ROE) | 8.9418% | 2,319 |
| Retained earnings to average equity (ytd only) | 8.9418% | 722 |
| Net charge-offs to loans | -0.2966% | 7,569 |
| Credit loss provision to net charge-offs | -54.5455% | 7,007 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.8504% | 2,439 |
| Assets per employee ($millions) | 2.5193% | 6,983 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7755% | 2,944 |
| Loan loss allowance to noncurrent loans | 402.5641% | 773 |
| Noncurrent assets plus other real estate owned to assets | 0.8610% | 5,289 |
| Noncurrent loans to loans | 0.4411% | 6,160 |
| Net loans and leases to total assets | 53.0396% | 5,778 |
| Net loans and leases to deposits | 61.3123% | 5,922 |
| Net loans and leases to core deposits | 62.3264% | 6,213 |
| Total domestic deposits to total assets | 86.5073% | 3,075 |
| Equity capital to assets | 13.3767% | 1,227 |
| Core capital (leverage) ratio | 12.7781% | 1,208 |
| Tier 1 risk-based capital ratio | 27.7851% | 627 |
| Total risk-based capital ratio | 29.0457% | 609 |
| Memoranda: | ||
| Average total assets | $33,019,600 | 7,112 |
| Average earning assets | $30,119,800 | 7,083 |
| Average equity | $4,182,600 | 6,929 |
| Average total loans | $18,543,600 | 6,999 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2035% | 613 |
| Cost of funding earning assets | 1.3717% | 3,767 |
| Net interest margin | 4.8318% | 630 |
| Noninterest income to average assets | 1.6482% | 519 |
| Noninterest expense to average assets | 4.8034% | 447 |
| Loan and lease loss provision to assets | 0.1209% | 5,818 |
| Net operating income to assets | 1.1243% | 1,810 |
| Return on assets (ROA) | 1.1243% | 1,921 |
| Pretax return on assets | 1.1243% | 2,754 |
| Return on Equity (ROE) | 9.0005% | 2,488 |
| Retained earnings to average equity (ytd only) | 9.0005% | 1,053 |
| Net charge-offs to loans | -0.3483% | 7,658 |
| Credit loss provision to net charge-offs | -61.2245% | 6,886 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.4137% | 2,433 |
| Assets per employee ($millions) | 2.1740% | 7,406 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7340% | 3,042 |
| Loan loss allowance to noncurrent loans | 855.5556% | 418 |
| Noncurrent assets plus other real estate owned to assets | 1.4443% | 4,288 |
| Noncurrent loans to loans | 0.2027% | 6,773 |
| Net loans and leases to total assets | 53.5235% | 5,916 |
| Net loans and leases to deposits | 61.7950% | 6,136 |
| Net loans and leases to core deposits | 63.3907% | 6,343 |
| Total domestic deposits to total assets | 86.6145% | 2,747 |
| Equity capital to assets | 13.2444% | 1,477 |
| Core capital (leverage) ratio | 12.4527% | 1,439 |
| Tier 1 risk-based capital ratio | 26.8305% | 708 |
| Total risk-based capital ratio | 28.0889% | 687 |
| Memoranda: | ||
| Average total assets | $33,086,750 | 7,203 |
| Average earning assets | $30,133,000 | 7,173 |
| Average equity | $4,133,000 | 7,036 |
| Average total loans | $18,758,250 | 7,085 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2134% | 606 |
| Cost of funding earning assets | 1.4601% | 3,497 |
| Net interest margin | 4.7534% | 717 |
| Noninterest income to average assets | 1.5521% | 529 |
| Noninterest expense to average assets | 4.9631% | 387 |
| Loan and lease loss provision to assets | 0.1805% | 5,062 |
| Net operating income to assets | 0.7760% | 3,085 |
| Return on assets (ROA) | 0.7760% | 3,235 |
| Pretax return on assets | 0.7760% | 3,965 |
| Return on Equity (ROE) | 6.3375% | 3,628 |
| Retained earnings to average equity (ytd only) | 6.3375% | 2,148 |
| Net charge-offs to loans | -0.4505% | 7,724 |
| Credit loss provision to net charge-offs | -69.7674% | 6,653 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.8415% | 1,937 |
| Assets per employee ($millions) | 2.1113% | 7,507 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5980% | 3,453 |
| Loan loss allowance to noncurrent loans | 736.5854% | 452 |
| Noncurrent assets plus other real estate owned to assets | 0.7667% | 5,588 |
| Noncurrent loans to loans | 0.2169% | 6,811 |
| Net loans and leases to total assets | 55.0517% | 5,838 |
| Net loans and leases to deposits | 62.8766% | 6,147 |
| Net loans and leases to core deposits | 63.8721% | 6,410 |
| Total domestic deposits to total assets | 87.5551% | 2,228 |
| Equity capital to assets | 12.3353% | 1,904 |
| Core capital (leverage) ratio | 11.8762% | 1,714 |
| Tier 1 risk-based capital ratio | 24.8605% | 854 |
| Total risk-based capital ratio | 26.1208% | 838 |
| Memoranda: | ||
| Average total assets | $33,245,670 | 7,249 |
| Average earning assets | $30,546,670 | 7,207 |
| Average equity | $4,071,000 | 7,098 |
| Average total loans | $19,090,330 | 7,119 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3750% | 461 |
| Cost of funding earning assets | 1.4984% | 3,571 |
| Net interest margin | 4.8765% | 552 |
| Noninterest income to average assets | 1.3585% | 653 |
| Noninterest expense to average assets | 5.0943% | 346 |
| Loan and lease loss provision to assets | 0.1213% | 5,365 |
| Net operating income to assets | 0.6429% | 3,698 |
| Return on assets (ROA) | 0.6429% | 3,814 |
| Pretax return on assets | 0.6429% | 4,440 |
| Return on Equity (ROE) | 5.2697% | 4,225 |
| Retained earnings to average equity (ytd only) | 5.2697% | 3,002 |
| Net charge-offs to loans | -0.6463% | 7,823 |
| Credit loss provision to net charge-offs | -32.2581% | 5,986 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.9565% | 1,690 |
| Assets per employee ($millions) | 2.0385% | 7,651 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4257% | 4,291 |
| Loan loss allowance to noncurrent loans | 310.3448% | 967 |
| Noncurrent assets plus other real estate owned to assets | 0.7696% | 5,609 |
| Noncurrent loans to loans | 0.4594% | 6,375 |
| Net loans and leases to total assets | 57.2357% | 5,562 |
| Net loans and leases to deposits | 65.4145% | 5,886 |
| Net loans and leases to core deposits | 65.4145% | 6,333 |
| Total domestic deposits to total assets | 87.4969% | 2,358 |
| Equity capital to assets | 12.3835% | 1,822 |
| Core capital (leverage) ratio | 11.8792% | 1,706 |
| Tier 1 risk-based capital ratio | 24.6576% | 901 |
| Total risk-based capital ratio | 25.9130% | 875 |
| Memoranda: | ||
| Average total assets | $32,978,000 | 7,347 |
| Average earning assets | $30,431,500 | 7,303 |
| Average equity | $4,023,000 | 7,177 |
| Average total loans | $19,186,000 | 7,204 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8987% | 322 |
| Cost of funding earning assets | 1.8024% | 3,985 |
| Net interest margin | 5.0963% | 365 |
| Noninterest income to average assets | 1.4806% | 654 |
| Noninterest expense to average assets | 4.6743% | 667 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 1.2036% | 1,237 |
| Return on assets (ROA) | 1.2036% | 1,286 |
| Pretax return on assets | 1.2036% | 1,942 |
| Return on Equity (ROE) | 9.9630% | 1,706 |
| Retained earnings to average equity (ytd only) | 0.0986% | 4,844 |
| Net charge-offs to loans | 0.3202% | 4,643 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | 6.6230% | 2,325 |
| Efficiency ratio | 79.5236% | 2,954 |
| Assets per employee ($millions) | 2.0838% | 7,674 |
| Cash dividends to net income (ytd only)* | 99.0099% | 654 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1783% | 5,482 |
| Loan loss allowance to noncurrent loans | 78.1570% | 3,520 |
| Noncurrent assets plus other real estate owned to assets | 1.0018% | 5,108 |
| Noncurrent loans to loans | 1.5077% | 4,400 |
| Net loans and leases to total assets | 57.6035% | 5,728 |
| Net loans and leases to deposits | 65.5640% | 6,105 |
| Net loans and leases to core deposits | 70.3094% | 6,752 |
| Total domestic deposits to total assets | 87.8584% | 2,038 |
| Equity capital to assets | 12.0186% | 2,030 |
| Core capital (leverage) ratio | 11.4354% | 1,951 |
| Tier 1 risk-based capital ratio | 23.8231% | 965 |
| Total risk-based capital ratio | 25.0776% | 946 |
| Memoranda: | ||
| Average total assets | $33,566,600 | 7,346 |
| Average earning assets | $28,962,000 | 7,393 |
| Average equity | $4,055,000 | 7,267 |
| Average total loans | $19,050,000 | 7,255 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1144% | 255 |
| Cost of funding earning assets | 1.8500% | 4,154 |
| Net interest margin | 5.2644% | 276 |
| Noninterest income to average assets | 1.4751% | 683 |
| Noninterest expense to average assets | 4.3659% | 845 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.5663% | 710 |
| Return on assets (ROA) | 1.5663% | 763 |
| Pretax return on assets | 1.5663% | 1,249 |
| Return on Equity (ROE) | 12.9493% | 1,127 |
| Retained earnings to average equity (ytd only) | -0.1640% | 5,253 |
| Net charge-offs to loans | 0.1970% | 4,835 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 14.1080% | 1,624 |
| Efficiency ratio | 73.5963% | 3,938 |
| Assets per employee ($millions) | 2.0663% | 7,741 |
| Cash dividends to net income (ytd only)* | 101.2665% | 558 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3440% | 4,242 |
| Loan loss allowance to noncurrent loans | 89.1525% | 3,082 |
| Noncurrent assets plus other real estate owned to assets | 0.9679% | 5,124 |
| Noncurrent loans to loans | 1.5075% | 4,395 |
| Net loans and leases to total assets | 58.3969% | 5,830 |
| Net loans and leases to deposits | 66.5219% | 6,256 |
| Net loans and leases to core deposits | 70.0711% | 6,965 |
| Total domestic deposits to total assets | 87.7858% | 1,755 |
| Equity capital to assets | 12.0932% | 2,191 |
| Core capital (leverage) ratio | 11.2599% | 2,213 |
| Tier 1 risk-based capital ratio | 23.8368% | 1,013 |
| Total risk-based capital ratio | 25.0888% | 993 |
| Memoranda: | ||
| Average total assets | $33,623,250 | 7,395 |
| Average earning assets | $28,467,500 | 7,481 |
| Average equity | $4,067,000 | 7,332 |
| Average total loans | $18,954,000 | 7,324 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0361% | 301 |
| Cost of funding earning assets | 1.8866% | 4,337 |
| Net interest margin | 5.1496% | 330 |
| Noninterest income to average assets | 1.4137% | 750 |
| Noninterest expense to average assets | 4.0756% | 1,220 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.6977% | 571 |
| Return on assets (ROA) | 1.6977% | 623 |
| Pretax return on assets | 1.6977% | 1,023 |
| Return on Equity (ROE) | 14.0342% | 984 |
| Retained earnings to average equity (ytd only) | 14.0342% | 253 |
| Net charge-offs to loans | 0.1707% | 4,521 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 17.9375% | 1,442 |
| Efficiency ratio | 70.5943% | 4,660 |
| Assets per employee ($millions) | 2.3117% | 7,534 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4309% | 3,565 |
| Loan loss allowance to noncurrent loans | 314.9425% | 994 |
| Noncurrent assets plus other real estate owned to assets | 0.3230% | 6,660 |
| Noncurrent loans to loans | 0.4543% | 6,390 |
| Net loans and leases to total assets | 54.4340% | 6,392 |
| Net loans and leases to deposits | 62.0419% | 6,726 |
| Net loans and leases to core deposits | 65.1806% | 7,247 |
| Total domestic deposits to total assets | 87.7376% | 1,911 |
| Equity capital to assets | 12.2048% | 2,085 |
| Core capital (leverage) ratio | 12.1594% | 1,768 |
| Tier 1 risk-based capital ratio | 25.5078% | 898 |
| Total risk-based capital ratio | 26.7649% | 879 |
| Memoranda: | ||
| Average total assets | $33,811,000 | 7,456 |
| Average earning assets | $28,623,670 | 7,542 |
| Average equity | $4,090,000 | 7,381 |
| Average total loans | $18,749,000 | 7,409 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9563% | 375 |
| Cost of funding earning assets | 1.9422% | 4,417 |
| Net interest margin | 5.0140% | 389 |
| Noninterest income to average assets | 1.4380% | 679 |
| Noninterest expense to average assets | 4.0145% | 1,169 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.7856% | 545 |
| Return on assets (ROA) | 1.7856% | 602 |
| Pretax return on assets | 1.7856% | 1,007 |
| Return on Equity (ROE) | 14.8296% | 1,008 |
| Retained earnings to average equity (ytd only) | 14.8296% | 433 |
| Net charge-offs to loans | 0.1294% | 3,926 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 24.8333% | 1,228 |
| Efficiency ratio | 69.2149% | 4,737 |
| Assets per employee ($millions) | 2.2165% | 7,690 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5020% | 2,976 |
| Loan loss allowance to noncurrent loans | 568.0000% | 628 |
| Noncurrent assets plus other real estate owned to assets | 0.2256% | 6,851 |
| Noncurrent loans to loans | 0.2644% | 6,777 |
| Net loans and leases to total assets | 56.0171% | 6,237 |
| Net loans and leases to deposits | 64.0286% | 6,560 |
| Net loans and leases to core deposits | 67.8866% | 7,139 |
| Total domestic deposits to total assets | 87.4876% | 1,975 |
| Equity capital to assets | 12.4192% | 2,019 |
| Core capital (leverage) ratio | 11.8783% | 1,955 |
| Tier 1 risk-based capital ratio | 25.5340% | 927 |
| Total risk-based capital ratio | 26.7911% | 903 |
| Memoranda: | ||
| Average total assets | $33,379,000 | 7,515 |
| Average earning assets | $29,038,500 | 7,567 |
| Average equity | $4,019,000 | 7,448 |
| Average total loans | $18,549,000 | 7,462 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2984% | 598 |
| Cost of funding earning assets | 2.1492% | 5,837 |
| Net interest margin | 5.1492% | 372 |
| Noninterest income to average assets | 1.3721% | 765 |
| Noninterest expense to average assets | 4.8534% | 686 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.2606% | 1,601 |
| Return on assets (ROA) | 1.2606% | 1,547 |
| Pretax return on assets | 1.2606% | 2,443 |
| Return on Equity (ROE) | 10.3352% | 2,147 |
| Retained earnings to average equity (ytd only) | 0.1778% | 5,126 |
| Net charge-offs to loans | 0.2974% | 3,407 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 7.5370% | 3,087 |
| Efficiency ratio | 79.3820% | 2,687 |
| Assets per employee ($millions) | 2.2341% | 7,656 |
| Cash dividends to net income (ytd only)* | 98.2801% | 1,044 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5943% | 2,270 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0746% | 7,276 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 53.4153% | 6,715 |
| Net loans and leases to deposits | 60.5630% | 7,041 |
| Net loans and leases to core deposits | 72.2823% | 7,063 |
| Total domestic deposits to total assets | 88.1979% | 1,386 |
| Equity capital to assets | 11.6648% | 2,521 |
| Core capital (leverage) ratio | 11.5227% | 2,240 |
| Tier 1 risk-based capital ratio | 24.2256% | 1,063 |
| Total risk-based capital ratio | 25.4836% | 1,041 |
| Memoranda: | ||
| Average total assets | $32,286,400 | 7,546 |
| Average earning assets | $29,732,600 | 7,528 |
| Average equity | $3,938,000 | 7,535 |
| Average total loans | $18,159,000 | 7,451 |