Home > The Commercial Bank Of Ozark > Performance and Condition Ratios
The Commercial Bank Of Ozark, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1103% | 4,222 |
| Cost of funding earning assets | 1.2183% | 3,715 |
| Net interest margin | 2.8920% | 3,568 |
| Noninterest income to average assets | 1.4700% | 352 |
| Noninterest expense to average assets | 3.0419% | 1,073 |
| Loan and lease loss provision to assets | 0.0400% | 2,137 |
| Net operating income to assets | 1.0761% | 2,066 |
| Return on assets (ROA) | 1.0761% | 2,071 |
| Pretax return on assets | 1.0761% | 2,558 |
| Return on Equity (ROE) | 37.5600% | 62 |
| Retained earnings to average equity (ytd only) | 33.8806% | 30 |
| Net charge-offs to loans | 0.0614% | 1,070 |
| Credit loss provision to net charge-offs | 125.0000% | 1,126 |
| Earnings coverage of net charge-offs (x) | 39.5000% | 1,099 |
| Efficiency ratio | 73.2430% | 1,497 |
| Assets per employee ($millions) | 5.1030% | 3,601 |
| Cash dividends to net income (ytd only)* | 9.8039% | 2,185 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1070% | 2,675 |
| Loan loss allowance to noncurrent loans | 77.1003% | 3,201 |
| Noncurrent assets plus other real estate owned to assets | 0.6574% | 1,140 |
| Noncurrent loans to loans | 1.4358% | 697 |
| Net loans and leases to total assets | 45.2800% | 3,786 |
| Net loans and leases to deposits | 47.9298% | 3,943 |
| Net loans and leases to core deposits | 53.1356% | 3,905 |
| Total domestic deposits to total assets | 94.4600% | 57 |
| Equity capital to assets | 3.1781% | 4,441 |
| Core capital (leverage) ratio | 8.8456% | 3,876 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.4557% | 624 |
| Memoranda: | ||
| Average total assets | $113,743,500 | 3,663 |
| Average earning assets | $105,392,500 | 3,654 |
| Average equity | $3,258,500 | 4,344 |
| Average total loans | $52,106,500 | 3,793 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2162% | 4,153 |
| Cost of funding earning assets | 1.1950% | 3,818 |
| Net interest margin | 3.0212% | 3,113 |
| Noninterest income to average assets | 0.8300% | 865 |
| Noninterest expense to average assets | 2.9398% | 1,253 |
| Loan and lease loss provision to assets | 0.0900% | 1,528 |
| Net operating income to assets | 0.6028% | 3,223 |
| Return on assets (ROA) | 0.6028% | 3,248 |
| Pretax return on assets | 0.6028% | 3,450 |
| Return on Equity (ROE) | 21.2400% | 334 |
| Retained earnings to average equity (ytd only) | 17.3624% | 81 |
| Net charge-offs to loans | 0.0610% | 1,516 |
| Credit loss provision to net charge-offs | 294.1176% | 876 |
| Earnings coverage of net charge-offs (x) | 23.0588% | 1,734 |
| Efficiency ratio | 80.9709% | 982 |
| Assets per employee ($millions) | 5.4867% | 3,305 |
| Cash dividends to net income (ytd only)* | 18.2749% | 3,007 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0736% | 2,820 |
| Loan loss allowance to noncurrent loans | 74.4094% | 3,230 |
| Noncurrent assets plus other real estate owned to assets | 0.6613% | 1,096 |
| Noncurrent loans to loans | 1.4428% | 677 |
| Net loans and leases to total assets | 45.3500% | 3,839 |
| Net loans and leases to deposits | 48.1371% | 3,975 |
| Net loans and leases to core deposits | 52.7508% | 3,953 |
| Total domestic deposits to total assets | 94.2000% | 94 |
| Equity capital to assets | 2.5595% | 4,469 |
| Core capital (leverage) ratio | 8.7069% | 3,948 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.7669% | 690 |
| Memoranda: | ||
| Average total assets | $113,478,800 | 3,658 |
| Average earning assets | $105,190,000 | 3,651 |
| Average equity | $3,219,600 | 4,357 |
| Average total loans | $55,716,000 | 3,743 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1508% | 4,195 |
| Cost of funding earning assets | 1.1949% | 3,824 |
| Net interest margin | 2.9560% | 3,192 |
| Noninterest income to average assets | 0.5400% | 1,719 |
| Noninterest expense to average assets | 2.9463% | 1,179 |
| Loan and lease loss provision to assets | 0.0900% | 1,382 |
| Net operating income to assets | 0.2347% | 3,950 |
| Return on assets (ROA) | 0.2347% | 3,981 |
| Pretax return on assets | 0.2347% | 4,026 |
| Return on Equity (ROE) | 8.0700% | 2,754 |
| Retained earnings to average equity (ytd only) | 4.2588% | 2,745 |
| Net charge-offs to loans | 0.0803% | 1,109 |
| Credit loss provision to net charge-offs | 235.2941% | 981 |
| Earnings coverage of net charge-offs (x) | 8.2059% | 2,226 |
| Efficiency ratio | 89.9532% | 540 |
| Assets per employee ($millions) | 5.2667% | 3,472 |
| Cash dividends to net income (ytd only)* | 47.2362% | 1,479 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0226% | 3,126 |
| Loan loss allowance to noncurrent loans | 95.6294% | 3,061 |
| Noncurrent assets plus other real estate owned to assets | 0.5172% | 1,370 |
| Noncurrent loans to loans | 1.0694% | 933 |
| Net loans and leases to total assets | 47.8700% | 3,732 |
| Net loans and leases to deposits | 51.5587% | 3,903 |
| Net loans and leases to core deposits | 57.2091% | 3,872 |
| Total domestic deposits to total assets | 92.8400% | 106 |
| Equity capital to assets | 3.7423% | 4,489 |
| Core capital (leverage) ratio | 8.3094% | 4,208 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8114% | 815 |
| Memoranda: | ||
| Average total assets | $113,043,500 | 3,670 |
| Average earning assets | $104,779,500 | 3,672 |
| Average equity | $3,287,250 | 4,378 |
| Average total loans | $56,441,500 | 3,744 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9,326.0000% | 38 |
| Cost of funding earning assets | 50.0000% | 23 |
| Net interest margin | 0.0000% | 4,497 |
| Noninterest income to average assets | 16.0000% | 87 |
| Noninterest expense to average assets | 0.0119% | 4,506 |
| Loan and lease loss provision to assets | NA | NA |
| Net operating income to assets | NA | NA |
| Return on assets (ROA) | 0.1036% | 4,145 |
| Pretax return on assets | 0.1036% | 4,156 |
| Return on Equity (ROE) | 3.9300% | 3,737 |
| Retained earnings to average equity (ytd only) | 0.0000% | 3,835 |
| Net charge-offs to loans | 3.0000% | 55 |
| Credit loss provision to net charge-offs | 2.0000% | 1,989 |
| Earnings coverage of net charge-offs (x) | 46.0000% | 1,173 |
| Efficiency ratio | 3,000.0000% | 24 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.3781% | 2,890 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 86.0000% | 43 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,808 |
| Noncurrent assets plus other real estate owned to assets | NA | NA |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | NA | NA |
| Net loans and leases to deposits | 0.0000% | 4,441 |
| Net loans and leases to core deposits | 0.0408% | 4,413 |
| Total domestic deposits to total assets | 1.1006% | 4,461 |
| Equity capital to assets | 90,363.0000% | 22 |
| Core capital (leverage) ratio | 0.0000% | 4,512 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $593,000 | 4,535 |
| Average earning assets | $17,693 | 4,502 |
| Average equity | $0 | 4,494 |
| Average total loans | NA | NA |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9685% | 4,283 |
| Cost of funding earning assets | 1.1022% | 3,881 |
| Net interest margin | 2.8663% | 3,254 |
| Noninterest income to average assets | 0.4200% | 2,181 |
| Noninterest expense to average assets | 2.9987% | 1,094 |
| Loan and lease loss provision to assets | 0.1000% | 1,031 |
| Net operating income to assets | -0.0245% | 4,306 |
| Return on assets (ROA) | -0.0245% | 4,295 |
| Pretax return on assets | -0.0245% | 4,277 |
| Return on Equity (ROE) | -0.9000% | 4,304 |
| Retained earnings to average equity (ytd only) | -4.8914% | 4,127 |
| Net charge-offs to loans | 0.2341% | 390 |
| Credit loss provision to net charge-offs | 88.2353% | 1,246 |
| Earnings coverage of net charge-offs (x) | 0.6765% | 2,097 |
| Efficiency ratio | 97.3893% | 348 |
| Assets per employee ($millions) | 5.4170% | 3,330 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8695% | 3,789 |
| Loan loss allowance to noncurrent loans | 65.5263% | 3,472 |
| Noncurrent assets plus other real estate owned to assets | 0.6681% | 950 |
| Noncurrent loans to loans | 1.3270% | 612 |
| Net loans and leases to total assets | 49.9100% | 3,613 |
| Net loans and leases to deposits | 53.1681% | 3,804 |
| Net loans and leases to core deposits | 58.7449% | 3,814 |
| Total domestic deposits to total assets | 93.8700% | 131 |
| Equity capital to assets | 2.5265% | 4,534 |
| Core capital (leverage) ratio | 8.1399% | 4,278 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6363% | 983 |
| Memoranda: | ||
| Average total assets | $114,450,500 | 3,696 |
| Average earning assets | $106,337,500 | 3,676 |
| Average equity | $3,107,500 | 4,430 |
| Average total loans | $58,088,000 | 3,748 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7789% | 4,200 |
| Cost of funding earning assets | 0.7457% | 3,860 |
| Net interest margin | 3.0332% | 3,214 |
| Noninterest income to average assets | 0.5800% | 1,611 |
| Noninterest expense to average assets | 3.0429% | 1,058 |
| Loan and lease loss provision to assets | 0.0900% | 1,416 |
| Net operating income to assets | 0.2710% | 4,069 |
| Return on assets (ROA) | 0.2657% | 4,083 |
| Pretax return on assets | 0.2657% | 4,125 |
| Return on Equity (ROE) | 14.2100% | 1,441 |
| Retained earnings to average equity (ytd only) | 6.6313% | 2,013 |
| Net charge-offs to loans | 0.0565% | 1,292 |
| Credit loss provision to net charge-offs | 290.9091% | 974 |
| Earnings coverage of net charge-offs (x) | 12.2121% | 2,158 |
| Efficiency ratio | 89.5025% | 426 |
| Assets per employee ($millions) | 5.0063% | 3,629 |
| Cash dividends to net income (ytd only)* | 53.3333% | 1,474 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8522% | 3,844 |
| Loan loss allowance to noncurrent loans | 68.7671% | 3,484 |
| Noncurrent assets plus other real estate owned to assets | 0.6340% | 854 |
| Noncurrent loans to loans | 1.2393% | 570 |
| Net loans and leases to total assets | 50.7200% | 3,551 |
| Net loans and leases to deposits | 53.7707% | 3,807 |
| Net loans and leases to core deposits | 59.3197% | 3,785 |
| Total domestic deposits to total assets | 94.3300% | 89 |
| Equity capital to assets | 2.9016% | 4,545 |
| Core capital (leverage) ratio | 8.1031% | 4,311 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5196% | 992 |
| Memoranda: | ||
| Average total assets | $112,917,400 | 3,717 |
| Average earning assets | $104,872,200 | 3,696 |
| Average equity | $2,111,200 | 4,483 |
| Average total loans | $58,411,000 | 3,732 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6769% | 4,239 |
| Cost of funding earning assets | 0.6492% | 3,871 |
| Net interest margin | 3.0276% | 3,286 |
| Noninterest income to average assets | 0.5000% | 1,963 |
| Noninterest expense to average assets | 3.0579% | 981 |
| Loan and lease loss provision to assets | 0.0800% | 1,428 |
| Net operating income to assets | 0.1780% | 4,255 |
| Return on assets (ROA) | 0.1709% | 4,279 |
| Pretax return on assets | 0.1709% | 4,288 |
| Return on Equity (ROE) | 10.6400% | 2,468 |
| Retained earnings to average equity (ytd only) | 1.1088% | 3,926 |
| Net charge-offs to loans | 0.0595% | 1,077 |
| Credit loss provision to net charge-offs | 253.8462% | 975 |
| Earnings coverage of net charge-offs (x) | 8.3462% | 2,198 |
| Efficiency ratio | 92.2334% | 310 |
| Assets per employee ($millions) | 4.9252% | 3,656 |
| Cash dividends to net income (ytd only)* | 89.5833% | 326 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8213% | 3,943 |
| Loan loss allowance to noncurrent loans | 66.3435% | 3,501 |
| Noncurrent assets plus other real estate owned to assets | 0.6663% | 859 |
| Noncurrent loans to loans | 1.2380% | 627 |
| Net loans and leases to total assets | 53.3800% | 3,401 |
| Net loans and leases to deposits | 55.0017% | 3,750 |
| Net loans and leases to core deposits | 60.1443% | 3,699 |
| Total domestic deposits to total assets | 97.0600% | 51 |
| Equity capital to assets | 0.0305% | 4,596 |
| Core capital (leverage) ratio | 8.1220% | 4,349 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9779% | 1,106 |
| Memoranda: | ||
| Average total assets | $112,360,500 | 3,734 |
| Average earning assets | $104,325,000 | 3,718 |
| Average equity | $1,803,750 | 4,521 |
| Average total loans | $58,287,750 | 3,737 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5435% | 4,309 |
| Cost of funding earning assets | 0.5521% | 3,878 |
| Net interest margin | 2.9913% | 3,451 |
| Noninterest income to average assets | 0.4200% | 2,314 |
| Noninterest expense to average assets | 2.8128% | 1,394 |
| Loan and lease loss provision to assets | 0.0700% | 1,542 |
| Net operating income to assets | 0.3272% | 4,117 |
| Return on assets (ROA) | 0.3237% | 4,149 |
| Pretax return on assets | 0.3237% | 4,203 |
| Return on Equity (ROE) | 15.3700% | 1,395 |
| Retained earnings to average equity (ytd only) | 7.1846% | 2,229 |
| Net charge-offs to loans | -0.0103% | 3,918 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 87.7607% | 432 |
| Assets per employee ($millions) | 5.0965% | 3,510 |
| Cash dividends to net income (ytd only)* | 53.2609% | 1,178 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8272% | 3,954 |
| Loan loss allowance to noncurrent loans | 74.4548% | 3,471 |
| Noncurrent assets plus other real estate owned to assets | 0.5726% | 947 |
| Noncurrent loans to loans | 1.1110% | 641 |
| Net loans and leases to total assets | 51.1100% | 3,480 |
| Net loans and leases to deposits | 52.7402% | 3,805 |
| Net loans and leases to core deposits | 57.4856% | 3,741 |
| Total domestic deposits to total assets | 96.9100% | 46 |
| Equity capital to assets | 2.1575% | 4,600 |
| Core capital (leverage) ratio | 8.6026% | 4,079 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.5033% | 761 |
| Memoranda: | ||
| Average total assets | $113,696,000 | 3,733 |
| Average earning assets | $105,771,667 | 3,714 |
| Average equity | $2,394,000 | 4,515 |
| Average total loans | $58,276,667 | 3,742 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4176% | 4,359 |
| Cost of funding earning assets | 0.4202% | 3,907 |
| Net interest margin | 2.9975% | 3,608 |
| Noninterest income to average assets | 0.4100% | 2,332 |
| Noninterest expense to average assets | 2.7672% | 1,513 |
| Loan and lease loss provision to assets | 0.0500% | 1,764 |
| Net operating income to assets | 0.3843% | 4,109 |
| Return on assets (ROA) | 0.3773% | 4,073 |
| Pretax return on assets | 0.3773% | 4,159 |
| Return on Equity (ROE) | 18.1400% | 1,008 |
| Retained earnings to average equity (ytd only) | 9.4058% | 1,835 |
| Net charge-offs to loans | -0.0273% | 4,189 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 86.3686% | 495 |
| Assets per employee ($millions) | 5.2536% | 3,455 |
| Cash dividends to net income (ytd only)* | 48.1481% | 1,235 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7885% | 4,105 |
| Loan loss allowance to noncurrent loans | 72.5832% | 3,549 |
| Noncurrent assets plus other real estate owned to assets | 0.5624% | 920 |
| Noncurrent loans to loans | 1.0864% | 655 |
| Net loans and leases to total assets | 49.8600% | 3,504 |
| Net loans and leases to deposits | 51.4905% | 3,817 |
| Net loans and leases to core deposits | 55.6200% | 3,761 |
| Total domestic deposits to total assets | 96.8300% | 33 |
| Equity capital to assets | 2.3663% | 4,624 |
| Core capital (leverage) ratio | 8.5787% | 4,089 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.5965% | 785 |
| Memoranda: | ||
| Average total assets | $114,483,000 | 3,774 |
| Average earning assets | $106,623,500 | 3,753 |
| Average equity | $2,381,500 | 4,582 |
| Average total loans | $58,522,000 | 3,783 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2265% | 3,764 |
| Cost of funding earning assets | 0.2026% | 3,738 |
| Net interest margin | 3.0239% | 3,384 |
| Noninterest income to average assets | 0.5800% | 1,741 |
| Noninterest expense to average assets | 2.8574% | 1,202 |
| Loan and lease loss provision to assets | 0.0700% | 1,594 |
| Net operating income to assets | 0.4722% | 4,131 |
| Return on assets (ROA) | 0.4722% | 4,097 |
| Pretax return on assets | 0.4722% | 4,205 |
| Return on Equity (ROE) | 14.1600% | 1,497 |
| Retained earnings to average equity (ytd only) | 10.3632% | 1,052 |
| Net charge-offs to loans | 0.1590% | 520 |
| Credit loss provision to net charge-offs | 80.6452% | 1,676 |
| Earnings coverage of net charge-offs (x) | 6.6237% | 2,330 |
| Efficiency ratio | 84.1645% | 490 |
| Assets per employee ($millions) | 5.1539% | 3,556 |
| Cash dividends to net income (ytd only)* | 26.8022% | 2,577 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7581% | 4,120 |
| Loan loss allowance to noncurrent loans | 42.5309% | 3,756 |
| Noncurrent assets plus other real estate owned to assets | 0.9437% | 460 |
| Noncurrent loans to loans | 1.7825% | 338 |
| Net loans and leases to total assets | 51.6100% | 3,388 |
| Net loans and leases to deposits | 52.9610% | 3,737 |
| Net loans and leases to core deposits | 54.9958% | 3,770 |
| Total domestic deposits to total assets | 97.4400% | 43 |
| Equity capital to assets | 1.7886% | 4,656 |
| Core capital (leverage) ratio | 8.6554% | 3,997 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.3152% | 792 |
| Memoranda: | ||
| Average total assets | $114,579,400 | 3,782 |
| Average earning assets | $106,616,000 | 3,763 |
| Average equity | $3,821,200 | 4,545 |
| Average total loans | $58,508,400 | 3,757 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1497% | 3,559 |
| Cost of funding earning assets | 0.1858% | 3,445 |
| Net interest margin | 2.9639% | 3,313 |
| Noninterest income to average assets | 0.5400% | 1,952 |
| Noninterest expense to average assets | 2.7391% | 1,379 |
| Loan and lease loss provision to assets | 0.0700% | 1,430 |
| Net operating income to assets | 0.4944% | 4,091 |
| Return on assets (ROA) | 0.4944% | 4,039 |
| Pretax return on assets | 0.4944% | 4,157 |
| Return on Equity (ROE) | 13.3000% | 1,617 |
| Retained earnings to average equity (ytd only) | 9.3998% | 1,517 |
| Net charge-offs to loans | 0.1324% | 490 |
| Credit loss provision to net charge-offs | 103.4483% | 1,298 |
| Earnings coverage of net charge-offs (x) | 8.3793% | 2,046 |
| Efficiency ratio | 82.9234% | 610 |
| Assets per employee ($millions) | 5.0378% | 3,640 |
| Cash dividends to net income (ytd only)* | 29.3427% | 2,063 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8763% | 3,926 |
| Loan loss allowance to noncurrent loans | 43.2225% | 3,825 |
| Noncurrent assets plus other real estate owned to assets | 1.0755% | 409 |
| Noncurrent loans to loans | 2.0274% | 298 |
| Net loans and leases to total assets | 51.7400% | 3,306 |
| Net loans and leases to deposits | 52.1943% | 3,718 |
| Net loans and leases to core deposits | 54.8788% | 3,694 |
| Total domestic deposits to total assets | 99.1400% | 28 |
| Equity capital to assets | 0.0361% | 4,718 |
| Core capital (leverage) ratio | 8.4267% | 4,119 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.2411% | 710 |
| Memoranda: | ||
| Average total assets | $114,877,750 | 3,801 |
| Average earning assets | $106,929,250 | 3,782 |
| Average equity | $4,269,500 | 4,545 |
| Average total loans | $58,395,000 | 3,772 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0668% | 3,387 |
| Cost of funding earning assets | 0.1770% | 3,215 |
| Net interest margin | 2.8898% | 3,198 |
| Noninterest income to average assets | 0.5575% | 1,913 |
| Noninterest expense to average assets | 2.7360% | 1,303 |
| Loan and lease loss provision to assets | 0.0774% | 1,253 |
| Net operating income to assets | 0.4405% | 4,026 |
| Return on assets (ROA) | 0.4405% | 3,978 |
| Pretax return on assets | 0.4405% | 4,097 |
| Return on Equity (ROE) | 9.0151% | 2,699 |
| Retained earnings to average equity (ytd only) | 4.8597% | 2,758 |
| Net charge-offs to loans | 0.1468% | 439 |
| Credit loss provision to net charge-offs | 104.6512% | 1,248 |
| Earnings coverage of net charge-offs (x) | 7.0000% | 1,871 |
| Efficiency ratio | 84.0825% | 677 |
| Assets per employee ($millions) | 5.3695% | 3,373 |
| Cash dividends to net income (ytd only)* | 46.0938% | 1,473 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8702% | 4,026 |
| Loan loss allowance to noncurrent loans | 83.5255% | 3,511 |
| Noncurrent assets plus other real estate owned to assets | 0.5552% | 1,032 |
| Noncurrent loans to loans | 1.0419% | 802 |
| Net loans and leases to total assets | 51.2181% | 3,242 |
| Net loans and leases to deposits | 52.5075% | 3,649 |
| Net loans and leases to core deposits | 55.1984% | 3,632 |
| Total domestic deposits to total assets | 97.5443% | 32 |
| Equity capital to assets | 2.0805% | 4,720 |
| Core capital (leverage) ratio | 8.2426% | 4,145 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.0554% | 844 |
| Memoranda: | ||
| Average total assets | $116,226,333 | 3,832 |
| Average earning assets | $108,450,333 | 3,817 |
| Average equity | $5,679,333 | 4,446 |
| Average total loans | $58,574,333 | 3,811 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9227% | 3,474 |
| Cost of funding earning assets | 0.1815% | 3,072 |
| Net interest margin | 2.7412% | 3,308 |
| Noninterest income to average assets | 0.5697% | 1,826 |
| Noninterest expense to average assets | 2.6890% | 1,393 |
| Loan and lease loss provision to assets | 0.1017% | 817 |
| Net operating income to assets | 0.3391% | 4,076 |
| Return on assets (ROA) | 0.3391% | 4,043 |
| Pretax return on assets | 0.3391% | 4,129 |
| Return on Equity (ROE) | 5.4451% | 3,498 |
| Retained earnings to average equity (ytd only) | 2.3414% | 3,450 |
| Net charge-offs to loans | 0.2384% | 263 |
| Credit loss provision to net charge-offs | 85.7143% | 1,095 |
| Earnings coverage of net charge-offs (x) | 3.7143% | 1,655 |
| Efficiency ratio | 85.9155% | 743 |
| Assets per employee ($millions) | 5.8200% | 2,980 |
| Cash dividends to net income (ytd only)* | 57.0000% | 1,114 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8599% | 4,129 |
| Loan loss allowance to noncurrent loans | 57.0776% | 3,784 |
| Noncurrent assets plus other real estate owned to assets | 0.7689% | 723 |
| Noncurrent loans to loans | 1.5066% | 548 |
| Net loans and leases to total assets | 49.5219% | 3,222 |
| Net loans and leases to deposits | 52.1911% | 3,556 |
| Net loans and leases to core deposits | 54.8469% | 3,536 |
| Total domestic deposits to total assets | 94.8857% | 44 |
| Equity capital to assets | 4.5576% | 4,753 |
| Core capital (leverage) ratio | 7.8993% | 4,366 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3554% | 988 |
| Memoranda: | ||
| Average total assets | $117,960,000 | 3,837 |
| Average earning assets | $110,172,500 | 3,819 |
| Average equity | $7,346,000 | 4,329 |
| Average total loans | $58,731,500 | 3,810 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2074% | 3,455 |
| Cost of funding earning assets | 0.2207% | 3,246 |
| Net interest margin | 2.9867% | 3,233 |
| Noninterest income to average assets | 0.4562% | 2,781 |
| Noninterest expense to average assets | 2.5490% | 2,031 |
| Loan and lease loss provision to assets | 0.0538% | 1,982 |
| Net operating income to assets | 0.6503% | 3,747 |
| Return on assets (ROA) | 0.7544% | 3,539 |
| Pretax return on assets | 0.7544% | 3,828 |
| Return on Equity (ROE) | 9.8112% | 2,598 |
| Retained earnings to average equity (ytd only) | 8.2707% | 1,432 |
| Net charge-offs to loans | 0.0824% | 981 |
| Credit loss provision to net charge-offs | 133.3333% | 1,560 |
| Earnings coverage of net charge-offs (x) | 17.4583% | 1,942 |
| Efficiency ratio | 78.3574% | 921 |
| Assets per employee ($millions) | 5.9761% | 2,800 |
| Cash dividends to net income (ytd only)* | 15.7016% | 3,174 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8513% | 4,176 |
| Loan loss allowance to noncurrent loans | 31.9015% | 4,021 |
| Noncurrent assets plus other real estate owned to assets | 1.3404% | 334 |
| Noncurrent loans to loans | 2.6686% | 249 |
| Net loans and leases to total assets | 49.2089% | 3,380 |
| Net loans and leases to deposits | 53.8693% | 3,609 |
| Net loans and leases to core deposits | 56.8091% | 3,561 |
| Total domestic deposits to total assets | 91.3488% | 369 |
| Equity capital to assets | 7.8538% | 4,446 |
| Core capital (leverage) ratio | 7.7859% | 4,476 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9089% | 906 |
| Memoranda: | ||
| Average total assets | $119,027,600 | 3,814 |
| Average earning assets | $111,459,600 | 3,795 |
| Average equity | $9,152,800 | 4,229 |
| Average total loans | $58,256,000 | 3,845 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1784% | 3,644 |
| Cost of funding earning assets | 0.2298% | 3,330 |
| Net interest margin | 2.9487% | 3,442 |
| Noninterest income to average assets | 0.4620% | 2,786 |
| Noninterest expense to average assets | 2.5443% | 1,989 |
| Loan and lease loss provision to assets | 0.0547% | 1,890 |
| Net operating income to assets | 0.6257% | 3,962 |
| Return on assets (ROA) | 0.7513% | 3,713 |
| Pretax return on assets | 0.7513% | 3,981 |
| Return on Equity (ROE) | 9.8228% | 2,801 |
| Retained earnings to average equity (ytd only) | 7.7703% | 2,128 |
| Net charge-offs to loans | 0.0782% | 884 |
| Credit loss provision to net charge-offs | 144.1176% | 1,377 |
| Earnings coverage of net charge-offs (x) | 17.8529% | 1,802 |
| Efficiency ratio | 78.8943% | 817 |
| Assets per employee ($millions) | 5.8595% | 2,826 |
| Cash dividends to net income (ytd only)* | 20.8955% | 2,511 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8756% | 4,217 |
| Loan loss allowance to noncurrent loans | 54.7231% | 3,894 |
| Noncurrent assets plus other real estate owned to assets | 0.8866% | 778 |
| Noncurrent loans to loans | 1.6000% | 641 |
| Net loans and leases to total assets | 48.6893% | 3,553 |
| Net loans and leases to deposits | 53.4070% | 3,785 |
| Net loans and leases to core deposits | 56.3301% | 3,749 |
| Total domestic deposits to total assets | 91.1665% | 318 |
| Equity capital to assets | 7.8514% | 4,585 |
| Core capital (leverage) ratio | 7.6059% | 4,655 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.7181% | 1,005 |
| Memoranda: | ||
| Average total assets | $118,904,250 | 3,854 |
| Average earning assets | $111,414,250 | 3,838 |
| Average equity | $9,094,250 | 4,294 |
| Average total loans | $57,990,000 | 3,905 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0946% | 3,885 |
| Cost of funding earning assets | 0.2357% | 3,426 |
| Net interest margin | 2.8588% | 3,659 |
| Noninterest income to average assets | 0.4520% | 2,831 |
| Noninterest expense to average assets | 2.5210% | 2,079 |
| Loan and lease loss provision to assets | 0.0569% | 1,895 |
| Net operating income to assets | 0.5541% | 4,093 |
| Return on assets (ROA) | 0.5658% | 4,110 |
| Pretax return on assets | 0.5658% | 4,282 |
| Return on Equity (ROE) | 7.4625% | 3,540 |
| Retained earnings to average equity (ytd only) | 5.8508% | 2,866 |
| Net charge-offs to loans | 0.0069% | 1,887 |
| Credit loss provision to net charge-offs | 1,700.0000% | 324 |
| Earnings coverage of net charge-offs (x) | 182.5000% | 526 |
| Efficiency ratio | 80.4917% | 756 |
| Assets per employee ($millions) | 6.1065% | 2,518 |
| Cash dividends to net income (ytd only)* | 21.5976% | 2,441 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9136% | 4,120 |
| Loan loss allowance to noncurrent loans | 67.9270% | 3,734 |
| Noncurrent assets plus other real estate owned to assets | 0.7091% | 1,157 |
| Noncurrent loans to loans | 1.3450% | 870 |
| Net loans and leases to total assets | 46.2658% | 3,887 |
| Net loans and leases to deposits | 50.5529% | 4,072 |
| Net loans and leases to core deposits | 53.0579% | 4,079 |
| Total domestic deposits to total assets | 91.5196% | 227 |
| Equity capital to assets | 7.5068% | 4,737 |
| Core capital (leverage) ratio | 7.2265% | 4,801 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9369% | 1,135 |
| Memoranda: | ||
| Average total assets | $119,475,667 | 3,862 |
| Average earning assets | $112,003,333 | 3,837 |
| Average equity | $9,058,667 | 4,323 |
| Average total loans | $58,132,333 | 3,926 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0550% | 3,978 |
| Cost of funding earning assets | 0.2495% | 3,480 |
| Net interest margin | 2.8056% | 3,754 |
| Noninterest income to average assets | 0.4638% | 2,777 |
| Noninterest expense to average assets | 2.5155% | 2,140 |
| Loan and lease loss provision to assets | 0.0813% | 1,590 |
| Net operating income to assets | 0.4943% | 4,185 |
| Return on assets (ROA) | 0.4943% | 4,226 |
| Pretax return on assets | 0.4943% | 4,361 |
| Return on Equity (ROE) | 6.4860% | 3,734 |
| Retained earnings to average equity (ytd only) | 6.4860% | 2,734 |
| Net charge-offs to loans | 0.0136% | 1,472 |
| Credit loss provision to net charge-offs | 1,200.0000% | 363 |
| Earnings coverage of net charge-offs (x) | 85.0000% | 673 |
| Efficiency ratio | 81.3801% | 735 |
| Assets per employee ($millions) | 6.2596% | 2,362 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8590% | 4,275 |
| Loan loss allowance to noncurrent loans | 54.4196% | 3,927 |
| Noncurrent assets plus other real estate owned to assets | 0.8728% | 1,013 |
| Noncurrent loans to loans | 1.5784% | 772 |
| Net loans and leases to total assets | 49.5897% | 3,671 |
| Net loans and leases to deposits | 54.0270% | 3,935 |
| Net loans and leases to core deposits | 56.9720% | 3,912 |
| Total domestic deposits to total assets | 91.7869% | 189 |
| Equity capital to assets | 7.2462% | 4,789 |
| Core capital (leverage) ratio | 7.3065% | 4,836 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1334% | 1,050 |
| Memoranda: | ||
| Average total assets | $118,149,000 | 3,884 |
| Average earning assets | $110,637,500 | 3,864 |
| Average equity | $9,004,000 | 4,334 |
| Average total loans | $58,686,000 | 3,932 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4043% | 4,188 |
| Cost of funding earning assets | 0.3215% | 4,018 |
| Net interest margin | 3.0828% | 3,667 |
| Noninterest income to average assets | 0.5412% | 2,463 |
| Noninterest expense to average assets | 2.7309% | 2,140 |
| Loan and lease loss provision to assets | 0.2797% | 1,366 |
| Net operating income to assets | 0.3866% | 4,275 |
| Return on assets (ROA) | 0.7359% | 3,435 |
| Pretax return on assets | 0.7359% | 3,798 |
| Return on Equity (ROE) | 8.5993% | 2,556 |
| Retained earnings to average equity (ytd only) | 5.8221% | 1,886 |
| Net charge-offs to loans | 0.3548% | 488 |
| Credit loss provision to net charge-offs | 149.4898% | 2,429 |
| Earnings coverage of net charge-offs (x) | 3.5612% | 3,074 |
| Efficiency ratio | 80.3877% | 860 |
| Assets per employee ($millions) | 5.5889% | 2,755 |
| Cash dividends to net income (ytd only)* | 32.2957% | 2,743 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8448% | 4,333 |
| Loan loss allowance to noncurrent loans | 48.4638% | 4,042 |
| Noncurrent assets plus other real estate owned to assets | 0.9466% | 1,023 |
| Noncurrent loans to loans | 1.7432% | 721 |
| Net loans and leases to total assets | 48.9017% | 3,911 |
| Net loans and leases to deposits | 53.7382% | 4,126 |
| Net loans and leases to core deposits | 56.7336% | 4,116 |
| Total domestic deposits to total assets | 90.9999% | 228 |
| Equity capital to assets | 8.0006% | 4,706 |
| Core capital (leverage) ratio | 7.5545% | 4,821 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5609% | 968 |
| Memoranda: | ||
| Average total assets | $104,764,400 | 3,933 |
| Average earning assets | $97,055,000 | 3,922 |
| Average equity | $8,965,800 | 4,321 |
| Average total loans | $55,240,600 | 3,995 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4784% | 4,240 |
| Cost of funding earning assets | 0.3382% | 4,111 |
| Net interest margin | 3.1403% | 3,644 |
| Noninterest income to average assets | 0.5668% | 2,317 |
| Noninterest expense to average assets | 2.8079% | 1,947 |
| Loan and lease loss provision to assets | 0.0590% | 3,612 |
| Net operating income to assets | 0.5996% | 3,769 |
| Return on assets (ROA) | 0.8555% | 3,014 |
| Pretax return on assets | 0.8555% | 3,503 |
| Return on Equity (ROE) | 9.8119% | 2,085 |
| Retained earnings to average equity (ytd only) | 8.8789% | 1,018 |
| Net charge-offs to loans | 0.0049% | 2,968 |
| Credit loss provision to net charge-offs | 2,250.0000% | 429 |
| Earnings coverage of net charge-offs (x) | 251.0000% | 406 |
| Efficiency ratio | 80.9992% | 797 |
| Assets per employee ($millions) | 5.5013% | 2,711 |
| Cash dividends to net income (ytd only)* | 9.5092% | 3,146 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7100% | 4,564 |
| Loan loss allowance to noncurrent loans | 44.2073% | 4,119 |
| Noncurrent assets plus other real estate owned to assets | 0.9416% | 1,204 |
| Noncurrent loans to loans | 1.6061% | 879 |
| Net loans and leases to total assets | 55.2883% | 3,680 |
| Net loans and leases to deposits | 61.3080% | 3,969 |
| Net loans and leases to core deposits | 64.6567% | 3,976 |
| Total domestic deposits to total assets | 90.1813% | 369 |
| Equity capital to assets | 8.6608% | 4,362 |
| Core capital (leverage) ratio | 7.8431% | 4,768 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4876% | 1,377 |
| Memoranda: | ||
| Average total assets | $101,614,000 | 3,971 |
| Average earning assets | $93,832,750 | 3,975 |
| Average equity | $8,859,750 | 4,345 |
| Average total loans | $54,580,000 | 4,033 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5344% | 4,369 |
| Cost of funding earning assets | 0.3501% | 4,268 |
| Net interest margin | 3.1843% | 3,710 |
| Noninterest income to average assets | 0.6052% | 2,108 |
| Noninterest expense to average assets | 2.8378% | 2,003 |
| Loan and lease loss provision to assets | 0.0607% | 3,541 |
| Net operating income to assets | 0.6335% | 3,629 |
| Return on assets (ROA) | 1.0323% | 2,345 |
| Pretax return on assets | 1.0323% | 2,921 |
| Return on Equity (ROE) | 11.8101% | 1,379 |
| Retained earnings to average equity (ytd only) | 10.6059% | 673 |
| Net charge-offs to loans | -0.0038% | 3,935 |
| Credit loss provision to net charge-offs | -3,000.0000% | 3,984 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.3438% | 871 |
| Assets per employee ($millions) | 4.8926% | 3,314 |
| Cash dividends to net income (ytd only)* | 10.1961% | 3,023 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7257% | 4,513 |
| Loan loss allowance to noncurrent loans | 36.0614% | 4,297 |
| Noncurrent assets plus other real estate owned to assets | 1.2449% | 857 |
| Noncurrent loans to loans | 2.0125% | 668 |
| Net loans and leases to total assets | 53.7570% | 3,894 |
| Net loans and leases to deposits | 59.5574% | 4,138 |
| Net loans and leases to core deposits | 61.2702% | 4,199 |
| Total domestic deposits to total assets | 90.2609% | 329 |
| Equity capital to assets | 8.6224% | 4,411 |
| Core capital (leverage) ratio | 8.1912% | 4,637 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4622% | 1,373 |
| Memoranda: | ||
| Average total assets | $98,810,333 | 4,010 |
| Average earning assets | $90,821,333 | 4,014 |
| Average equity | $8,636,667 | 4,386 |
| Average total loans | $52,351,333 | 4,098 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7002% | 4,398 |
| Cost of funding earning assets | 0.3480% | 4,523 |
| Net interest margin | 3.3522% | 3,444 |
| Noninterest income to average assets | 0.7034% | 1,640 |
| Noninterest expense to average assets | 3.3730% | 1,107 |
| Loan and lease loss provision to assets | 0.0636% | 2,971 |
| Net operating income to assets | 0.3687% | 4,197 |
| Return on assets (ROA) | 0.3856% | 4,204 |
| Pretax return on assets | 0.3856% | 4,316 |
| Return on Equity (ROE) | 4.3779% | 3,853 |
| Retained earnings to average equity (ytd only) | 2.4535% | 3,288 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.6414% | 552 |
| Assets per employee ($millions) | 4.3130% | 3,520 |
| Cash dividends to net income (ytd only)* | 43.9560% | 1,784 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8069% | 4,396 |
| Loan loss allowance to noncurrent loans | 33.9450% | 4,339 |
| Noncurrent assets plus other real estate owned to assets | 1.3290% | 868 |
| Noncurrent loans to loans | 2.3772% | 519 |
| Net loans and leases to total assets | 52.7264% | 4,077 |
| Net loans and leases to deposits | 58.5338% | 4,270 |
| Net loans and leases to core deposits | 60.4388% | 4,334 |
| Total domestic deposits to total assets | 90.0786% | 300 |
| Equity capital to assets | 8.7853% | 4,699 |
| Core capital (leverage) ratio | 8.5213% | 4,781 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.2884% | 946 |
| Memoranda: | ||
| Average total assets | $94,396,500 | 4,071 |
| Average earning assets | $87,346,500 | 4,064 |
| Average equity | $8,314,500 | 4,453 |
| Average total loans | $49,384,000 | 4,165 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7125% | 4,663 |
| Cost of funding earning assets | 0.3005% | 4,727 |
| Net interest margin | 3.4120% | 3,713 |
| Noninterest income to average assets | 0.6014% | 2,210 |
| Noninterest expense to average assets | 3.1335% | 1,681 |
| Loan and lease loss provision to assets | 0.0675% | 2,664 |
| Net operating income to assets | 0.5650% | 4,257 |
| Return on assets (ROA) | 0.5757% | 4,287 |
| Pretax return on assets | 0.5757% | 4,453 |
| Return on Equity (ROE) | 6.7598% | 3,639 |
| Retained earnings to average equity (ytd only) | 3.4869% | 3,265 |
| Net charge-offs to loans | 0.1554% | 1,290 |
| Credit loss provision to net charge-offs | 84.0000% | 2,747 |
| Earnings coverage of net charge-offs (x) | 7.8667% | 2,833 |
| Efficiency ratio | 83.2052% | 713 |
| Assets per employee ($millions) | 4.4718% | 3,273 |
| Cash dividends to net income (ytd only)* | 48.4171% | 2,161 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8111% | 4,274 |
| Loan loss allowance to noncurrent loans | 29.2319% | 4,438 |
| Noncurrent assets plus other real estate owned to assets | 1.4940% | 677 |
| Noncurrent loans to loans | 2.7746% | 366 |
| Net loans and leases to total assets | 51.0494% | 4,279 |
| Net loans and leases to deposits | 56.7124% | 4,433 |
| Net loans and leases to core deposits | 58.5794% | 4,498 |
| Total domestic deposits to total assets | 90.0146% | 312 |
| Equity capital to assets | 8.8311% | 4,771 |
| Core capital (leverage) ratio | 8.6690% | 4,743 |
| Tier 1 risk-based capital ratio | 18.3768% | 1,675 |
| Total risk-based capital ratio | 19.2879% | 1,706 |
| Memoranda: | ||
| Average total assets | $93,282,400 | 4,093 |
| Average earning assets | $86,519,000 | 4,089 |
| Average equity | $7,944,000 | 4,514 |
| Average total loans | $48,276,000 | 4,218 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7348% | 4,744 |
| Cost of funding earning assets | 0.2856% | 4,831 |
| Net interest margin | 3.4491% | 3,735 |
| Noninterest income to average assets | 0.5899% | 2,263 |
| Noninterest expense to average assets | 3.1440% | 1,594 |
| Loan and lease loss provision to assets | 0.0501% | 2,897 |
| Net operating income to assets | 0.5942% | 4,311 |
| Return on assets (ROA) | 0.5942% | 4,363 |
| Pretax return on assets | 0.5942% | 4,549 |
| Return on Equity (ROE) | 7.0426% | 3,661 |
| Retained earnings to average equity (ytd only) | 4.6668% | 3,074 |
| Net charge-offs to loans | 0.0829% | 1,645 |
| Credit loss provision to net charge-offs | 116.6667% | 2,003 |
| Earnings coverage of net charge-offs (x) | 14.9998% | 2,219 |
| Efficiency ratio | 82.9932% | 690 |
| Assets per employee ($millions) | 4.1571% | 3,685 |
| Cash dividends to net income (ytd only)* | 33.7345% | 2,442 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8470% | 4,247 |
| Loan loss allowance to noncurrent loans | 38.8046% | 4,374 |
| Noncurrent assets plus other real estate owned to assets | 1.2301% | 1,013 |
| Noncurrent loans to loans | 2.1827% | 586 |
| Net loans and leases to total assets | 52.3520% | 4,298 |
| Net loans and leases to deposits | 58.5139% | 4,454 |
| Net loans and leases to core deposits | 60.5060% | 4,518 |
| Total domestic deposits to total assets | 89.4693% | 457 |
| Equity capital to assets | 9.2766% | 4,612 |
| Core capital (leverage) ratio | 8.6935% | 4,846 |
| Tier 1 risk-based capital ratio | 18.3994% | 1,712 |
| Total risk-based capital ratio | 19.3515% | 1,746 |
| Memoranda: | ||
| Average total assets | $93,126,250 | 4,144 |
| Average earning assets | $86,357,500 | 4,144 |
| Average equity | $7,856,750 | 4,576 |
| Average total loans | $48,262,250 | 4,269 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7164% | 4,812 |
| Cost of funding earning assets | 0.2714% | 4,899 |
| Net interest margin | 3.4450% | 3,753 |
| Noninterest income to average assets | 0.5807% | 2,241 |
| Noninterest expense to average assets | 3.1788% | 1,551 |
| Loan and lease loss provision to assets | 0.0427% | 2,968 |
| Net operating income to assets | 0.5572% | 4,411 |
| Return on assets (ROA) | 0.5572% | 4,443 |
| Pretax return on assets | 0.5572% | 4,616 |
| Return on Equity (ROE) | 6.8256% | 3,741 |
| Retained earnings to average equity (ytd only) | 4.4720% | 3,030 |
| Net charge-offs to loans | 0.1368% | 1,105 |
| Credit loss provision to net charge-offs | 60.6061% | 2,398 |
| Earnings coverage of net charge-offs (x) | 8.5152% | 2,406 |
| Efficiency ratio | 84.1243% | 645 |
| Assets per employee ($millions) | 4.1822% | 3,603 |
| Cash dividends to net income (ytd only)* | 34.4828% | 2,436 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8159% | 4,384 |
| Loan loss allowance to noncurrent loans | 45.2546% | 4,295 |
| Noncurrent assets plus other real estate owned to assets | 1.0325% | 1,341 |
| Noncurrent loans to loans | 1.8029% | 833 |
| Net loans and leases to total assets | 51.6602% | 4,372 |
| Net loans and leases to deposits | 57.4697% | 4,541 |
| Net loans and leases to core deposits | 58.3115% | 4,630 |
| Total domestic deposits to total assets | 89.8912% | 365 |
| Equity capital to assets | 8.8926% | 4,858 |
| Core capital (leverage) ratio | 8.6154% | 4,900 |
| Tier 1 risk-based capital ratio | 17.6334% | 1,903 |
| Total risk-based capital ratio | 18.5172% | 1,962 |
| Memoranda: | ||
| Average total assets | $93,683,000 | 4,161 |
| Average earning assets | $86,967,000 | 4,153 |
| Average equity | $7,647,670 | 4,630 |
| Average total loans | $48,253,670 | 4,293 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6883% | 4,864 |
| Cost of funding earning assets | 0.2413% | 5,008 |
| Net interest margin | 3.4470% | 3,756 |
| Noninterest income to average assets | 0.5078% | 2,512 |
| Noninterest expense to average assets | 3.1358% | 1,638 |
| Loan and lease loss provision to assets | 0.0042% | 3,369 |
| Net operating income to assets | 0.5713% | 4,331 |
| Return on assets (ROA) | 0.5671% | 4,372 |
| Pretax return on assets | 0.5671% | 4,573 |
| Return on Equity (ROE) | 7.2624% | 3,564 |
| Retained earnings to average equity (ytd only) | 5.0945% | 2,866 |
| Net charge-offs to loans | 0.1322% | 946 |
| Credit loss provision to net charge-offs | 6.2500% | 2,193 |
| Earnings coverage of net charge-offs (x) | 8.5000% | 2,081 |
| Efficiency ratio | 84.4926% | 672 |
| Assets per employee ($millions) | 3.8203% | 4,160 |
| Cash dividends to net income (ytd only)* | 29.8507% | 2,238 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8015% | 4,516 |
| Loan loss allowance to noncurrent loans | 43.0310% | 4,393 |
| Noncurrent assets plus other real estate owned to assets | 1.2281% | 1,084 |
| Noncurrent loans to loans | 1.8625% | 819 |
| Net loans and leases to total assets | 52.5124% | 4,306 |
| Net loans and leases to deposits | 58.4230% | 4,481 |
| Net loans and leases to core deposits | 59.0095% | 4,608 |
| Total domestic deposits to total assets | 89.8830% | 495 |
| Equity capital to assets | 8.3970% | 5,043 |
| Core capital (leverage) ratio | 8.2244% | 5,129 |
| Tier 1 risk-based capital ratio | 17.4420% | 1,956 |
| Total risk-based capital ratio | 18.3204% | 2,032 |
| Memoranda: | ||
| Average total assets | $94,520,000 | 4,188 |
| Average earning assets | $87,844,500 | 4,185 |
| Average equity | $7,380,500 | 4,703 |
| Average total loans | $48,419,000 | 4,339 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6307% | 4,763 |
| Cost of funding earning assets | 0.1832% | 5,066 |
| Net interest margin | 3.4474% | 3,864 |
| Noninterest income to average assets | 0.5040% | 2,819 |
| Noninterest expense to average assets | 3.2118% | 1,521 |
| Loan and lease loss provision to assets | 0.0140% | 3,864 |
| Net operating income to assets | 0.4662% | 4,734 |
| Return on assets (ROA) | 0.4630% | 4,738 |
| Pretax return on assets | 0.4630% | 4,850 |
| Return on Equity (ROE) | 6.2727% | 4,078 |
| Retained earnings to average equity (ytd only) | 3.7139% | 3,533 |
| Net charge-offs to loans | 0.0609% | 2,262 |
| Credit loss provision to net charge-offs | 46.4286% | 3,227 |
| Earnings coverage of net charge-offs (x) | 15.8929% | 2,292 |
| Efficiency ratio | 86.9921% | 479 |
| Assets per employee ($millions) | 4.0564% | 3,816 |
| Cash dividends to net income (ytd only)* | 40.7925% | 2,481 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8364% | 4,407 |
| Loan loss allowance to noncurrent loans | 53.6521% | 4,247 |
| Noncurrent assets plus other real estate owned to assets | 1.1032% | 1,217 |
| Noncurrent loans to loans | 1.5589% | 954 |
| Net loans and leases to total assets | 49.2003% | 4,573 |
| Net loans and leases to deposits | 53.6744% | 4,762 |
| Net loans and leases to core deposits | 54.6469% | 4,829 |
| Total domestic deposits to total assets | 91.6644% | 98 |
| Equity capital to assets | 7.2540% | 5,310 |
| Core capital (leverage) ratio | 8.2497% | 5,149 |
| Tier 1 risk-based capital ratio | 17.0058% | 2,066 |
| Total risk-based capital ratio | 17.9063% | 2,131 |
| Memoranda: | ||
| Average total assets | $92,657,000 | 4,224 |
| Average earning assets | $85,686,600 | 4,224 |
| Average equity | $6,839,200 | 4,769 |
| Average total loans | $45,993,600 | 4,403 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6275% | 4,759 |
| Cost of funding earning assets | 0.1658% | 5,163 |
| Net interest margin | 3.4617% | 3,830 |
| Noninterest income to average assets | 0.4912% | 2,921 |
| Noninterest expense to average assets | 3.2063% | 1,507 |
| Loan and lease loss provision to assets | 0.0189% | 3,628 |
| Net operating income to assets | 0.4605% | 4,836 |
| Return on assets (ROA) | 0.4562% | 4,854 |
| Pretax return on assets | 0.4562% | 4,961 |
| Return on Equity (ROE) | 6.1520% | 4,224 |
| Retained earnings to average equity (ytd only) | 4.7369% | 3,376 |
| Net charge-offs to loans | 0.0294% | 2,507 |
| Credit loss provision to net charge-offs | 130.0000% | 1,892 |
| Earnings coverage of net charge-offs (x) | 32.9077% | 1,532 |
| Efficiency ratio | 86.9909% | 460 |
| Assets per employee ($millions) | 3.6433% | 4,379 |
| Cash dividends to net income (ytd only)* | 23.0039% | 2,879 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8678% | 4,376 |
| Loan loss allowance to noncurrent loans | 43.6853% | 4,518 |
| Noncurrent assets plus other real estate owned to assets | 1.4350% | 915 |
| Noncurrent loans to loans | 1.9864% | 746 |
| Net loans and leases to total assets | 52.9281% | 4,429 |
| Net loans and leases to deposits | 57.8117% | 4,654 |
| Net loans and leases to core deposits | 58.3780% | 4,764 |
| Total domestic deposits to total assets | 91.5527% | 125 |
| Equity capital to assets | 7.2945% | 5,348 |
| Core capital (leverage) ratio | 8.3851% | 5,150 |
| Tier 1 risk-based capital ratio | 16.3508% | 2,315 |
| Total risk-based capital ratio | 17.2566% | 2,383 |
| Memoranda: | ||
| Average total assets | $91,483,000 | 4,287 |
| Average earning assets | $84,427,500 | 4,290 |
| Average equity | $6,783,500 | 4,829 |
| Average total loans | $45,416,500 | 4,469 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5862% | 4,784 |
| Cost of funding earning assets | 0.1610% | 5,195 |
| Net interest margin | 3.4252% | 3,881 |
| Noninterest income to average assets | 0.4672% | 3,051 |
| Noninterest expense to average assets | 3.1152% | 1,744 |
| Loan and lease loss provision to assets | 0.1441% | 1,336 |
| Net operating income to assets | 0.3667% | 5,024 |
| Return on assets (ROA) | 0.3602% | 5,033 |
| Pretax return on assets | 0.3602% | 5,095 |
| Return on Equity (ROE) | 4.8316% | 4,595 |
| Retained earnings to average equity (ytd only) | 3.3675% | 3,897 |
| Net charge-offs to loans | 0.0361% | 2,129 |
| Credit loss provision to net charge-offs | 825.0000% | 489 |
| Earnings coverage of net charge-offs (x) | 29.2500% | 1,528 |
| Efficiency ratio | 85.9121% | 574 |
| Assets per employee ($millions) | 3.7025% | 4,347 |
| Cash dividends to net income (ytd only)* | 30.3030% | 2,573 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0058% | 3,802 |
| Loan loss allowance to noncurrent loans | 65.5220% | 4,093 |
| Noncurrent assets plus other real estate owned to assets | 1.1884% | 1,207 |
| Noncurrent loans to loans | 1.5350% | 1,084 |
| Net loans and leases to total assets | 50.7228% | 4,565 |
| Net loans and leases to deposits | 55.3460% | 4,785 |
| Net loans and leases to core deposits | 55.8789% | 4,873 |
| Total domestic deposits to total assets | 91.6467% | 130 |
| Equity capital to assets | 7.2362% | 5,429 |
| Core capital (leverage) ratio | 8.3930% | 5,173 |
| Tier 1 risk-based capital ratio | 12.0914% | 4,448 |
| Total risk-based capital ratio | 12.8614% | 4,613 |
| Memoranda: | ||
| Average total assets | $91,616,670 | 4,328 |
| Average earning assets | $84,491,670 | 4,325 |
| Average equity | $6,830,000 | 4,874 |
| Average total loans | $44,345,330 | 4,538 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5599% | 4,777 |
| Cost of funding earning assets | 0.1573% | 5,236 |
| Net interest margin | 3.4027% | 3,878 |
| Noninterest income to average assets | 0.4433% | 3,159 |
| Noninterest expense to average assets | 3.0721% | 1,897 |
| Loan and lease loss provision to assets | 0.0658% | 2,456 |
| Net operating income to assets | 0.4389% | 4,843 |
| Return on assets (ROA) | 0.4389% | 4,848 |
| Pretax return on assets | 0.4389% | 4,975 |
| Return on Equity (ROE) | 5.8005% | 4,227 |
| Retained earnings to average equity (ytd only) | 4.6404% | 3,343 |
| Net charge-offs to loans | 0.0280% | 1,937 |
| Credit loss provision to net charge-offs | 500.0000% | 578 |
| Earnings coverage of net charge-offs (x) | 38.3333% | 1,089 |
| Efficiency ratio | 85.8896% | 659 |
| Assets per employee ($millions) | 3.7555% | 4,345 |
| Cash dividends to net income (ytd only)* | 20.0000% | 2,402 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0044% | 3,926 |
| Loan loss allowance to noncurrent loans | 77.2401% | 3,894 |
| Noncurrent assets plus other real estate owned to assets | 1.1150% | 1,387 |
| Noncurrent loans to loans | 1.3004% | 1,378 |
| Net loans and leases to total assets | 47.1303% | 4,746 |
| Net loans and leases to deposits | 51.5484% | 4,898 |
| Net loans and leases to core deposits | 52.0563% | 4,977 |
| Total domestic deposits to total assets | 91.4291% | 199 |
| Equity capital to assets | 7.4458% | 5,430 |
| Core capital (leverage) ratio | 8.3295% | 5,242 |
| Tier 1 risk-based capital ratio | 16.6704% | 2,220 |
| Total risk-based capital ratio | 17.6340% | 2,267 |
| Memoranda: | ||
| Average total assets | $91,144,000 | 4,382 |
| Average earning assets | $83,934,000 | 4,376 |
| Average equity | $6,896,000 | 4,909 |
| Average total loans | $42,804,500 | 4,619 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5860% | 4,602 |
| Cost of funding earning assets | 0.1685% | 5,165 |
| Net interest margin | 3.4174% | 3,798 |
| Noninterest income to average assets | 0.5904% | 2,496 |
| Noninterest expense to average assets | 3.2909% | 1,391 |
| Loan and lease loss provision to assets | 0.0593% | 3,051 |
| Net operating income to assets | 0.3925% | 4,719 |
| Return on assets (ROA) | 0.3981% | 4,714 |
| Pretax return on assets | 0.3981% | 5,090 |
| Return on Equity (ROE) | 5.0273% | 4,143 |
| Retained earnings to average equity (ytd only) | 3.7563% | 2,972 |
| Net charge-offs to loans | 0.1437% | 1,639 |
| Credit loss provision to net charge-offs | 92.9825% | 2,726 |
| Earnings coverage of net charge-offs (x) | 7.0877% | 3,091 |
| Efficiency ratio | 87.9295% | 536 |
| Assets per employee ($millions) | 3.8399% | 4,224 |
| Cash dividends to net income (ytd only)* | 25.2809% | 3,486 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9813% | 4,045 |
| Loan loss allowance to noncurrent loans | 74.1593% | 4,013 |
| Noncurrent assets plus other real estate owned to assets | 1.1567% | 1,284 |
| Noncurrent loans to loans | 1.3232% | 1,317 |
| Net loans and leases to total assets | 45.8782% | 4,900 |
| Net loans and leases to deposits | 50.3273% | 5,049 |
| Net loans and leases to core deposits | 50.8136% | 5,107 |
| Total domestic deposits to total assets | 91.1597% | 208 |
| Equity capital to assets | 7.6836% | 5,491 |
| Core capital (leverage) ratio | 8.3633% | 5,247 |
| Tier 1 risk-based capital ratio | 16.0687% | 2,410 |
| Total risk-based capital ratio | 16.9814% | 2,481 |
| Memoranda: | ||
| Average total assets | $89,427,600 | 4,434 |
| Average earning assets | $82,488,600 | 4,428 |
| Average equity | $7,081,400 | 4,926 |
| Average total loans | $39,679,000 | 4,739 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5741% | 4,625 |
| Cost of funding earning assets | 0.1711% | 5,188 |
| Net interest margin | 3.4030% | 3,841 |
| Noninterest income to average assets | 0.5934% | 2,513 |
| Noninterest expense to average assets | 3.3128% | 1,316 |
| Loan and lease loss provision to assets | 0.0721% | 2,634 |
| Net operating income to assets | 0.3456% | 5,125 |
| Return on assets (ROA) | 0.3531% | 5,122 |
| Pretax return on assets | 0.3531% | 5,256 |
| Return on Equity (ROE) | 4.4246% | 4,738 |
| Retained earnings to average equity (ytd only) | 3.5773% | 3,787 |
| Net charge-offs to loans | 0.2055% | 1,040 |
| Credit loss provision to net charge-offs | 80.0000% | 2,582 |
| Earnings coverage of net charge-offs (x) | 4.6333% | 3,199 |
| Efficiency ratio | 88.8039% | 459 |
| Assets per employee ($millions) | 3.3364% | 4,932 |
| Cash dividends to net income (ytd only)* | 19.1491% | 3,175 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0190% | 3,961 |
| Loan loss allowance to noncurrent loans | 56.0709% | 4,422 |
| Noncurrent assets plus other real estate owned to assets | 1.3591% | 1,158 |
| Noncurrent loans to loans | 1.8173% | 977 |
| Net loans and leases to total assets | 46.0240% | 4,936 |
| Net loans and leases to deposits | 50.9996% | 5,090 |
| Net loans and leases to core deposits | 51.5288% | 5,152 |
| Total domestic deposits to total assets | 90.2439% | 394 |
| Equity capital to assets | 8.4672% | 5,305 |
| Core capital (leverage) ratio | 8.4559% | 5,271 |
| Tier 1 risk-based capital ratio | 15.1309% | 2,867 |
| Total risk-based capital ratio | 15.9776% | 2,983 |
| Memoranda: | ||
| Average total assets | $88,745,250 | 4,491 |
| Average earning assets | $81,809,000 | 4,479 |
| Average equity | $7,081,500 | 4,980 |
| Average total loans | $38,924,000 | 4,811 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5244% | 4,702 |
| Cost of funding earning assets | 0.1746% | 5,176 |
| Net interest margin | 3.3498% | 3,950 |
| Noninterest income to average assets | 0.5637% | 2,640 |
| Noninterest expense to average assets | 3.2904% | 1,392 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.3624% | 5,061 |
| Return on assets (ROA) | 0.3624% | 5,084 |
| Pretax return on assets | 0.3624% | 5,249 |
| Return on Equity (ROE) | 4.6328% | 4,621 |
| Retained earnings to average equity (ytd only) | 3.7748% | 3,439 |
| Net charge-offs to loans | 0.1872% | 1,063 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 4.5000% | 2,920 |
| Efficiency ratio | 90.0796% | 449 |
| Assets per employee ($millions) | 3.4336% | 4,818 |
| Cash dividends to net income (ytd only)* | 18.5185% | 3,165 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0122% | 4,071 |
| Loan loss allowance to noncurrent loans | 55.0498% | 4,467 |
| Noncurrent assets plus other real estate owned to assets | 1.4125% | 1,119 |
| Noncurrent loans to loans | 1.8387% | 962 |
| Net loans and leases to total assets | 42.3931% | 5,123 |
| Net loans and leases to deposits | 46.8420% | 5,259 |
| Net loans and leases to core deposits | 47.3128% | 5,304 |
| Total domestic deposits to total assets | 90.5023% | 358 |
| Equity capital to assets | 8.2275% | 5,433 |
| Core capital (leverage) ratio | 8.2651% | 5,381 |
| Tier 1 risk-based capital ratio | 16.2625% | 2,404 |
| Total risk-based capital ratio | 17.1315% | 2,493 |
| Memoranda: | ||
| Average total assets | $89,411,670 | 4,508 |
| Average earning assets | $82,453,330 | 4,498 |
| Average equity | $6,993,670 | 5,025 |
| Average total loans | $38,453,670 | 4,860 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4585% | 4,805 |
| Cost of funding earning assets | 0.1744% | 5,203 |
| Net interest margin | 3.2841% | 4,068 |
| Noninterest income to average assets | 0.6795% | 2,042 |
| Noninterest expense to average assets | 3.3750% | 1,245 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.3353% | 5,116 |
| Return on assets (ROA) | 0.3353% | 5,139 |
| Pretax return on assets | 0.3353% | 5,262 |
| Return on Equity (ROE) | 4.4001% | 4,631 |
| Retained earnings to average equity (ytd only) | 3.5201% | 3,683 |
| Net charge-offs to loans | 0.3527% | 519 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 2.2059% | 2,625 |
| Efficiency ratio | 90.9639% | 509 |
| Assets per employee ($millions) | 3.4052% | 4,922 |
| Cash dividends to net income (ytd only)* | 20.0000% | 2,535 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0222% | 4,151 |
| Loan loss allowance to noncurrent loans | 51.4550% | 4,609 |
| Noncurrent assets plus other real estate owned to assets | 1.5711% | 995 |
| Noncurrent loans to loans | 1.9866% | 899 |
| Net loans and leases to total assets | 42.5431% | 5,131 |
| Net loans and leases to deposits | 46.8215% | 5,274 |
| Net loans and leases to core deposits | 46.9967% | 5,336 |
| Total domestic deposits to total assets | 90.8625% | 340 |
| Equity capital to assets | 7.8793% | 5,577 |
| Core capital (leverage) ratio | 8.1861% | 5,462 |
| Tier 1 risk-based capital ratio | 16.0715% | 2,517 |
| Total risk-based capital ratio | 16.9435% | 2,610 |
| Memoranda: | ||
| Average total assets | $89,480,500 | 4,549 |
| Average earning assets | $82,579,500 | 4,538 |
| Average equity | $6,818,000 | 5,096 |
| Average total loans | $38,564,000 | 4,903 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5266% | 4,712 |
| Cost of funding earning assets | 0.2200% | 4,833 |
| Net interest margin | 3.3066% | 4,125 |
| Noninterest income to average assets | 0.5961% | 2,687 |
| Noninterest expense to average assets | 3.3987% | 1,360 |
| Loan and lease loss provision to assets | 0.0495% | 3,410 |
| Net operating income to assets | 0.2148% | 5,396 |
| Return on assets (ROA) | 0.3205% | 5,242 |
| Pretax return on assets | 0.2958% | 5,370 |
| Return on Equity (ROE) | 3.9481% | 4,850 |
| Retained earnings to average equity (ytd only) | 3.3109% | 3,559 |
| Net charge-offs to loans | 0.1419% | 1,843 |
| Credit loss provision to net charge-offs | 81.4815% | 2,953 |
| Earnings coverage of net charge-offs (x) | 3.9444% | 3,587 |
| Efficiency ratio | 93.4158% | 407 |
| Assets per employee ($millions) | 3.6170% | 4,584 |
| Cash dividends to net income (ytd only)* | 16.1404% | 3,855 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0826% | 3,812 |
| Loan loss allowance to noncurrent loans | 70.8543% | 4,206 |
| Noncurrent assets plus other real estate owned to assets | 1.3503% | 1,285 |
| Noncurrent loans to loans | 1.5279% | 1,307 |
| Net loans and leases to total assets | 42.7426% | 5,195 |
| Net loans and leases to deposits | 46.7623% | 5,341 |
| Net loans and leases to core deposits | 46.9327% | 5,405 |
| Total domestic deposits to total assets | 91.4039% | 182 |
| Equity capital to assets | 7.3652% | 5,742 |
| Core capital (leverage) ratio | 8.0956% | 5,568 |
| Tier 1 risk-based capital ratio | 15.5468% | 2,728 |
| Total risk-based capital ratio | 16.4717% | 2,809 |
| Memoranda: | ||
| Average total assets | $88,915,600 | 4,564 |
| Average earning assets | $81,806,800 | 4,550 |
| Average equity | $7,218,600 | 5,057 |
| Average total loans | $38,059,800 | 4,944 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5473% | 4,688 |
| Cost of funding earning assets | 0.2260% | 4,828 |
| Net interest margin | 3.3213% | 4,123 |
| Noninterest income to average assets | 0.5617% | 2,866 |
| Noninterest expense to average assets | 3.4214% | 1,307 |
| Loan and lease loss provision to assets | 0.0602% | 3,049 |
| Net operating income to assets | 0.1244% | 5,594 |
| Return on assets (ROA) | 0.2560% | 5,449 |
| Pretax return on assets | 0.2756% | 5,484 |
| Return on Equity (ROE) | 3.0804% | 5,197 |
| Retained earnings to average equity (ytd only) | 2.5187% | 4,410 |
| Net charge-offs to loans | 0.1869% | 1,245 |
| Credit loss provision to net charge-offs | 75.4717% | 2,718 |
| Earnings coverage of net charge-offs (x) | 2.4342% | 3,572 |
| Efficiency ratio | 94.6272% | 366 |
| Assets per employee ($millions) | 3.3586% | 4,967 |
| Cash dividends to net income (ytd only)* | 18.2344% | 3,305 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1065% | 3,796 |
| Loan loss allowance to noncurrent loans | 69.5364% | 4,291 |
| Noncurrent assets plus other real estate owned to assets | 1.4085% | 1,319 |
| Noncurrent loans to loans | 1.5913% | 1,357 |
| Net loans and leases to total assets | 42.9859% | 5,253 |
| Net loans and leases to deposits | 47.7728% | 5,387 |
| Net loans and leases to core deposits | 47.9559% | 5,456 |
| Total domestic deposits to total assets | 89.9798% | 489 |
| Equity capital to assets | 8.6311% | 5,447 |
| Core capital (leverage) ratio | 8.0300% | 5,671 |
| Tier 1 risk-based capital ratio | 16.2529% | 2,526 |
| Total risk-based capital ratio | 17.2265% | 2,572 |
| Memoranda: | ||
| Average total assets | $88,538,250 | 4,609 |
| Average earning assets | $81,411,000 | 4,593 |
| Average equity | $7,358,250 | 5,080 |
| Average total loans | $37,806,500 | 4,999 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5214% | 4,808 |
| Cost of funding earning assets | 0.2248% | 4,887 |
| Net interest margin | 3.2966% | 4,250 |
| Noninterest income to average assets | 0.6071% | 2,580 |
| Noninterest expense to average assets | 3.3797% | 1,411 |
| Loan and lease loss provision to assets | 0.0382% | 3,392 |
| Net operating income to assets | 0.2101% | 5,507 |
| Return on assets (ROA) | 0.3305% | 5,316 |
| Pretax return on assets | 0.3508% | 5,417 |
| Return on Equity (ROE) | 4.0281% | 4,903 |
| Retained earnings to average equity (ytd only) | 3.5897% | 3,605 |
| Net charge-offs to loans | 0.2384% | 990 |
| Credit loss provision to net charge-offs | 37.7778% | 2,793 |
| Earnings coverage of net charge-offs (x) | 2.5778% | 3,253 |
| Efficiency ratio | 92.8351% | 457 |
| Assets per employee ($millions) | 3.2847% | 5,090 |
| Cash dividends to net income (ytd only)* | 10.8844% | 3,448 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0550% | 4,197 |
| Loan loss allowance to noncurrent loans | 71.1775% | 4,326 |
| Noncurrent assets plus other real estate owned to assets | 1.4015% | 1,407 |
| Noncurrent loans to loans | 1.4823% | 1,484 |
| Net loans and leases to total assets | 42.8265% | 5,297 |
| Net loans and leases to deposits | 47.5697% | 5,438 |
| Net loans and leases to core deposits | 47.7491% | 5,506 |
| Total domestic deposits to total assets | 90.0291% | 479 |
| Equity capital to assets | 8.5840% | 5,548 |
| Core capital (leverage) ratio | 8.0137% | 5,723 |
| Tier 1 risk-based capital ratio | 15.7172% | 2,777 |
| Total risk-based capital ratio | 16.6263% | 2,846 |
| Memoranda: | ||
| Average total assets | $88,943,000 | 4,639 |
| Average earning assets | $81,842,330 | 4,625 |
| Average equity | $7,298,670 | 5,141 |
| Average total loans | $37,756,330 | 5,048 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4605% | 4,981 |
| Cost of funding earning assets | 0.2242% | 4,957 |
| Net interest margin | 3.2363% | 4,452 |
| Noninterest income to average assets | 0.5209% | 2,983 |
| Noninterest expense to average assets | 3.4804% | 1,218 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.0214% | 5,767 |
| Return on assets (ROA) | 0.2156% | 5,560 |
| Pretax return on assets | 0.2335% | 5,603 |
| Return on Equity (ROE) | 2.6885% | 5,335 |
| Retained earnings to average equity (ytd only) | 2.6885% | 4,166 |
| Net charge-offs to loans | 0.5021% | 438 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 0.1064% | 2,969 |
| Efficiency ratio | 99.3590% | 308 |
| Assets per employee ($millions) | 3.2663% | 5,176 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1741% | 3,637 |
| Loan loss allowance to noncurrent loans | 45.6701% | 4,930 |
| Noncurrent assets plus other real estate owned to assets | 2.1193% | 797 |
| Noncurrent loans to loans | 2.5708% | 719 |
| Net loans and leases to total assets | 42.2831% | 5,336 |
| Net loans and leases to deposits | 46.7932% | 5,474 |
| Net loans and leases to core deposits | 46.9700% | 5,550 |
| Total domestic deposits to total assets | 90.3616% | 480 |
| Equity capital to assets | 8.2357% | 5,721 |
| Core capital (leverage) ratio | 7.9141% | 5,806 |
| Tier 1 risk-based capital ratio | 15.8323% | 2,767 |
| Total risk-based capital ratio | 16.8459% | 2,793 |
| Memoranda: | ||
| Average total assets | $89,070,500 | 4,676 |
| Average earning assets | $82,069,500 | 4,658 |
| Average equity | $7,141,500 | 5,205 |
| Average total loans | $37,441,000 | 5,098 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7148% | 4,327 |
| Cost of funding earning assets | 0.2413% | 4,873 |
| Net interest margin | 3.4735% | 3,623 |
| Noninterest income to average assets | 0.6020% | 2,703 |
| Noninterest expense to average assets | 3.5120% | 1,272 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.2564% | 5,469 |
| Return on assets (ROA) | 0.2917% | 5,467 |
| Pretax return on assets | 0.3056% | 5,511 |
| Return on Equity (ROE) | 3.5745% | 5,112 |
| Retained earnings to average equity (ytd only) | 1.5238% | 4,852 |
| Net charge-offs to loans | -0.0696% | 5,664 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.8989% | 534 |
| Assets per employee ($millions) | 3.0941% | 5,423 |
| Cash dividends to net income (ytd only)* | 57.3705% | 1,881 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3190% | 2,799 |
| Loan loss allowance to noncurrent loans | 69.9001% | 4,387 |
| Noncurrent assets plus other real estate owned to assets | 1.7241% | 1,120 |
| Noncurrent loans to loans | 1.8869% | 1,136 |
| Net loans and leases to total assets | 40.8564% | 5,470 |
| Net loans and leases to deposits | 44.8605% | 5,620 |
| Net loans and leases to core deposits | 44.8605% | 5,686 |
| Total domestic deposits to total assets | 91.0742% | 261 |
| Equity capital to assets | 7.5917% | 5,968 |
| Core capital (leverage) ratio | 7.7749% | 5,915 |
| Tier 1 risk-based capital ratio | 16.2468% | 2,586 |
| Total risk-based capital ratio | 17.4258% | 2,568 |
| Memoranda: | ||
| Average total assets | $86,047,200 | 4,743 |
| Average earning assets | $78,738,600 | 4,748 |
| Average equity | $7,022,000 | 5,237 |
| Average total loans | $35,923,000 | 5,156 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7718% | 4,181 |
| Cost of funding earning assets | 0.2472% | 4,910 |
| Net interest margin | 3.5246% | 3,448 |
| Noninterest income to average assets | 0.6375% | 2,543 |
| Noninterest expense to average assets | 3.5115% | 1,264 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.3219% | 5,393 |
| Return on assets (ROA) | 0.3352% | 5,437 |
| Pretax return on assets | 0.3555% | 5,548 |
| Return on Equity (ROE) | 4.0332% | 5,026 |
| Retained earnings to average equity (ytd only) | 3.5431% | 3,946 |
| Net charge-offs to loans | -0.0262% | 5,295 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.1382% | 623 |
| Assets per employee ($millions) | 3.1880% | 5,315 |
| Cash dividends to net income (ytd only)* | 12.1508% | 3,518 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2781% | 3,217 |
| Loan loss allowance to noncurrent loans | 81.0997% | 4,141 |
| Noncurrent assets plus other real estate owned to assets | 1.6300% | 1,354 |
| Noncurrent loans to loans | 1.5759% | 1,582 |
| Net loans and leases to total assets | 42.3568% | 5,466 |
| Net loans and leases to deposits | 47.0026% | 5,615 |
| Net loans and leases to core deposits | 47.0026% | 5,693 |
| Total domestic deposits to total assets | 90.1157% | 529 |
| Equity capital to assets | 8.4158% | 5,753 |
| Core capital (leverage) ratio | 8.1298% | 5,826 |
| Tier 1 risk-based capital ratio | 16.4857% | 2,584 |
| Total risk-based capital ratio | 17.6049% | 2,594 |
| Memoranda: | ||
| Average total assets | $85,126,750 | 4,816 |
| Average earning assets | $77,662,250 | 4,826 |
| Average equity | $7,074,500 | 5,297 |
| Average total loans | $35,616,250 | 5,229 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7165% | 4,362 |
| Cost of funding earning assets | 0.2459% | 4,986 |
| Net interest margin | 3.4706% | 3,615 |
| Noninterest income to average assets | 0.6461% | 2,492 |
| Noninterest expense to average assets | 3.4501% | 1,380 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.3371% | 5,337 |
| Return on assets (ROA) | 0.3349% | 5,446 |
| Pretax return on assets | 0.3561% | 5,557 |
| Return on Equity (ROE) | 4.0467% | 5,002 |
| Retained earnings to average equity (ytd only) | 3.3058% | 3,941 |
| Net charge-offs to loans | -0.1023% | 5,802 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.5882% | 707 |
| Assets per employee ($millions) | 3.2910% | 5,180 |
| Cash dividends to net income (ytd only)* | 18.3099% | 3,241 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3313% | 3,072 |
| Loan loss allowance to noncurrent loans | 47.2141% | 5,079 |
| Noncurrent assets plus other real estate owned to assets | 2.1410% | 989 |
| Noncurrent loans to loans | 2.8197% | 731 |
| Net loans and leases to total assets | 41.8351% | 5,513 |
| Net loans and leases to deposits | 46.3200% | 5,661 |
| Net loans and leases to core deposits | 46.3200% | 5,751 |
| Total domestic deposits to total assets | 90.3175% | 527 |
| Equity capital to assets | 8.1690% | 5,903 |
| Core capital (leverage) ratio | 8.0105% | 5,926 |
| Tier 1 risk-based capital ratio | 16.1742% | 2,771 |
| Total risk-based capital ratio | 17.3096% | 2,783 |
| Memoranda: | ||
| Average total assets | $84,810,330 | 4,880 |
| Average earning assets | $77,278,000 | 4,885 |
| Average equity | $7,018,000 | 5,354 |
| Average total loans | $35,178,000 | 5,286 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6496% | 4,535 |
| Cost of funding earning assets | 0.2391% | 5,136 |
| Net interest margin | 3.4105% | 3,804 |
| Noninterest income to average assets | 0.5827% | 2,750 |
| Noninterest expense to average assets | 3.4537% | 1,401 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.2179% | 5,634 |
| Return on assets (ROA) | 0.2179% | 5,726 |
| Pretax return on assets | 0.2369% | 5,777 |
| Return on Equity (ROE) | 2.6166% | 5,503 |
| Retained earnings to average equity (ytd only) | 1.9909% | 4,677 |
| Net charge-offs to loans | -0.2079% | 6,068 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.5815% | 616 |
| Assets per employee ($millions) | 3.2546% | 5,316 |
| Cash dividends to net income (ytd only)* | 23.9130% | 2,466 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3977% | 2,931 |
| Loan loss allowance to noncurrent loans | 39.3964% | 5,313 |
| Noncurrent assets plus other real estate owned to assets | 2.4829% | 866 |
| Noncurrent loans to loans | 3.5478% | 535 |
| Net loans and leases to total assets | 40.2671% | 5,585 |
| Net loans and leases to deposits | 44.8212% | 5,718 |
| Net loans and leases to core deposits | 44.8212% | 5,805 |
| Total domestic deposits to total assets | 89.8393% | 819 |
| Equity capital to assets | 8.4921% | 5,748 |
| Core capital (leverage) ratio | 8.1679% | 5,838 |
| Tier 1 risk-based capital ratio | 16.3713% | 2,746 |
| Total risk-based capital ratio | 17.5342% | 2,727 |
| Memoranda: | ||
| Average total assets | $84,432,000 | 4,930 |
| Average earning assets | $76,939,500 | 4,943 |
| Average equity | $7,032,000 | 5,398 |
| Average total loans | $34,627,000 | 5,339 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8589% | 4,286 |
| Cost of funding earning assets | 0.2592% | 5,232 |
| Net interest margin | 3.5997% | 3,414 |
| Noninterest income to average assets | 0.6768% | 2,424 |
| Noninterest expense to average assets | 3.6977% | 1,155 |
| Loan and lease loss provision to assets | 0.0537% | 3,484 |
| Net operating income to assets | 0.2040% | 5,754 |
| Return on assets (ROA) | 0.1918% | 5,835 |
| Pretax return on assets | 0.1869% | 5,892 |
| Return on Equity (ROE) | 2.3522% | 5,675 |
| Retained earnings to average equity (ytd only) | 1.2285% | 5,231 |
| Net charge-offs to loans | 0.4183% | 1,016 |
| Credit loss provision to net charge-offs | 29.7297% | 3,837 |
| Earnings coverage of net charge-offs (x) | 1.3986% | 4,427 |
| Efficiency ratio | 93.5993% | 617 |
| Assets per employee ($millions) | 3.2402% | 5,368 |
| Cash dividends to net income (ytd only)* | 47.7707% | 2,411 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3402% | 3,232 |
| Loan loss allowance to noncurrent loans | 43.3364% | 5,275 |
| Noncurrent assets plus other real estate owned to assets | 2.5058% | 924 |
| Noncurrent loans to loans | 3.0925% | 721 |
| Net loans and leases to total assets | 40.6343% | 5,703 |
| Net loans and leases to deposits | 44.9711% | 5,844 |
| Net loans and leases to core deposits | 44.9711% | 5,927 |
| Total domestic deposits to total assets | 90.3566% | 592 |
| Equity capital to assets | 8.1644% | 5,980 |
| Core capital (leverage) ratio | 8.2524% | 5,820 |
| Tier 1 risk-based capital ratio | 16.1737% | 2,872 |
| Total risk-based capital ratio | 17.2856% | 2,886 |
| Memoranda: | ||
| Average total assets | $81,861,400 | 5,016 |
| Average earning assets | $74,450,800 | 5,031 |
| Average equity | $6,674,600 | 5,487 |
| Average total loans | $35,382,800 | 5,351 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8944% | 4,193 |
| Cost of funding earning assets | 0.2632% | 5,271 |
| Net interest margin | 3.6312% | 3,306 |
| Noninterest income to average assets | 0.6776% | 2,440 |
| Noninterest expense to average assets | 3.7259% | 1,084 |
| Loan and lease loss provision to assets | 0.0082% | 4,252 |
| Net operating income to assets | 0.2330% | 5,770 |
| Return on assets (ROA) | 0.2330% | 5,830 |
| Pretax return on assets | 0.2477% | 5,871 |
| Return on Equity (ROE) | 2.8584% | 5,590 |
| Retained earnings to average equity (ytd only) | 2.3552% | 4,877 |
| Net charge-offs to loans | 0.1200% | 2,615 |
| Credit loss provision to net charge-offs | 15.6250% | 3,625 |
| Earnings coverage of net charge-offs (x) | 4.8744% | 3,362 |
| Efficiency ratio | 93.5723% | 619 |
| Assets per employee ($millions) | 2.8991% | 5,851 |
| Cash dividends to net income (ytd only)* | 17.6042% | 3,300 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5386% | 2,553 |
| Loan loss allowance to noncurrent loans | 60.2222% | 4,783 |
| Noncurrent assets plus other real estate owned to assets | 2.4207% | 1,105 |
| Noncurrent loans to loans | 2.5549% | 1,136 |
| Net loans and leases to total assets | 42.7292% | 5,619 |
| Net loans and leases to deposits | 47.5091% | 5,795 |
| Net loans and leases to core deposits | 47.5091% | 5,909 |
| Total domestic deposits to total assets | 89.9389% | 762 |
| Equity capital to assets | 8.4695% | 5,820 |
| Core capital (leverage) ratio | 8.4356% | 5,723 |
| Tier 1 risk-based capital ratio | 16.7060% | 2,726 |
| Total risk-based capital ratio | 17.9544% | 2,679 |
| Memoranda: | ||
| Average total assets | $81,265,750 | 5,083 |
| Average earning assets | $73,950,500 | 5,100 |
| Average equity | $6,623,750 | 5,550 |
| Average total loans | $35,554,250 | 5,395 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8887% | 4,181 |
| Cost of funding earning assets | 0.2677% | 5,308 |
| Net interest margin | 3.6210% | 3,273 |
| Noninterest income to average assets | 0.6569% | 2,503 |
| Noninterest expense to average assets | 3.7222% | 1,096 |
| Loan and lease loss provision to assets | 0.0123% | 4,007 |
| Net operating income to assets | 0.1944% | 5,852 |
| Return on assets (ROA) | 0.1944% | 5,905 |
| Pretax return on assets | 0.2165% | 5,921 |
| Return on Equity (ROE) | 2.4159% | 5,729 |
| Retained earnings to average equity (ytd only) | 1.9572% | 4,897 |
| Net charge-offs to loans | 0.1402% | 2,266 |
| Credit loss provision to net charge-offs | 20.0000% | 3,200 |
| Earnings coverage of net charge-offs (x) | 3.7200% | 3,235 |
| Efficiency ratio | 94.2092% | 629 |
| Assets per employee ($millions) | 2.9506% | 5,820 |
| Cash dividends to net income (ytd only)* | 18.9873% | 3,209 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5244% | 2,780 |
| Loan loss allowance to noncurrent loans | 60.0000% | 4,819 |
| Noncurrent assets plus other real estate owned to assets | 2.4171% | 1,192 |
| Noncurrent loans to loans | 2.5407% | 1,219 |
| Net loans and leases to total assets | 42.9253% | 5,614 |
| Net loans and leases to deposits | 47.5535% | 5,796 |
| Net loans and leases to core deposits | 47.5535% | 5,918 |
| Total domestic deposits to total assets | 90.2673% | 676 |
| Equity capital to assets | 8.2198% | 6,011 |
| Core capital (leverage) ratio | 8.3682% | 5,778 |
| Tier 1 risk-based capital ratio | 15.7783% | 3,207 |
| Total risk-based capital ratio | 17.0296% | 3,144 |
| Memoranda: | ||
| Average total assets | $81,296,330 | 5,130 |
| Average earning assets | $73,958,330 | 5,141 |
| Average equity | $6,540,000 | 5,595 |
| Average total loans | $35,663,330 | 5,434 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7418% | 4,697 |
| Cost of funding earning assets | 0.2735% | 5,350 |
| Net interest margin | 3.4683% | 3,831 |
| Noninterest income to average assets | 0.6994% | 2,169 |
| Noninterest expense to average assets | 3.7998% | 981 |
| Loan and lease loss provision to assets | 0.0248% | 3,512 |
| Net operating income to assets | 0.0198% | 6,185 |
| Return on assets (ROA) | 0.0198% | 6,202 |
| Pretax return on assets | 0.0198% | 6,196 |
| Return on Equity (ROE) | 0.2494% | 6,193 |
| Retained earnings to average equity (ytd only) | 0.2494% | 5,473 |
| Net charge-offs to loans | 0.2142% | 1,468 |
| Credit loss provision to net charge-offs | 26.3158% | 2,434 |
| Earnings coverage of net charge-offs (x) | 0.4737% | 3,338 |
| Efficiency ratio | 98.8387% | 505 |
| Assets per employee ($millions) | 2.7550% | 6,153 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5804% | 2,793 |
| Loan loss allowance to noncurrent loans | 69.8113% | 4,502 |
| Noncurrent assets plus other real estate owned to assets | 2.7699% | 1,082 |
| Noncurrent loans to loans | 2.2638% | 1,594 |
| Net loans and leases to total assets | 43.2605% | 5,573 |
| Net loans and leases to deposits | 47.8745% | 5,737 |
| Net loans and leases to core deposits | 47.8745% | 5,880 |
| Total domestic deposits to total assets | 90.3624% | 882 |
| Equity capital to assets | 8.1294% | 5,957 |
| Core capital (leverage) ratio | 8.4864% | 5,663 |
| Tier 1 risk-based capital ratio | 16.9206% | 2,730 |
| Total risk-based capital ratio | 18.1480% | 2,691 |
| Memoranda: | ||
| Average total assets | $80,635,500 | 5,197 |
| Average earning assets | $73,119,500 | 5,203 |
| Average equity | $6,414,500 | 5,661 |
| Average total loans | $35,488,500 | 5,485 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2458% | 3,166 |
| Cost of funding earning assets | 0.3360% | 5,276 |
| Net interest margin | 3.9097% | 2,256 |
| Noninterest income to average assets | 0.8389% | 1,906 |
| Noninterest expense to average assets | 3.8344% | 1,085 |
| Loan and lease loss provision to assets | 0.0657% | 3,814 |
| Net operating income to assets | 0.4597% | 4,911 |
| Return on assets (ROA) | 0.5155% | 4,799 |
| Pretax return on assets | 0.5395% | 5,073 |
| Return on Equity (ROE) | 6.1087% | 4,028 |
| Retained earnings to average equity (ytd only) | 3.5185% | 3,724 |
| Net charge-offs to loans | 0.3675% | 1,845 |
| Credit loss provision to net charge-offs | 37.9562% | 4,082 |
| Earnings coverage of net charge-offs (x) | 3.1606% | 3,942 |
| Efficiency ratio | 87.5144% | 1,268 |
| Assets per employee ($millions) | 2.8061% | 6,101 |
| Cash dividends to net income (ytd only)* | 42.4020% | 2,689 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5868% | 2,810 |
| Loan loss allowance to noncurrent loans | 102.8933% | 3,551 |
| Noncurrent assets plus other real estate owned to assets | 2.3975% | 1,446 |
| Noncurrent loans to loans | 1.5422% | 2,581 |
| Net loans and leases to total assets | 43.3666% | 5,728 |
| Net loans and leases to deposits | 47.8094% | 5,908 |
| Net loans and leases to core deposits | 47.8094% | 6,047 |
| Total domestic deposits to total assets | 90.7073% | 697 |
| Equity capital to assets | 7.7836% | 6,142 |
| Core capital (leverage) ratio | 8.4922% | 5,681 |
| Tier 1 risk-based capital ratio | 16.6177% | 2,787 |
| Total risk-based capital ratio | 17.8316% | 2,778 |
| Memoranda: | ||
| Average total assets | $79,152,400 | 5,258 |
| Average earning assets | $71,718,600 | 5,265 |
| Average equity | $6,679,000 | 5,651 |
| Average total loans | $37,283,600 | 5,451 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3004% | 2,993 |
| Cost of funding earning assets | 0.3499% | 5,294 |
| Net interest margin | 3.9504% | 2,113 |
| Noninterest income to average assets | 0.8635% | 1,883 |
| Noninterest expense to average assets | 3.8745% | 996 |
| Loan and lease loss provision to assets | 0.0797% | 3,464 |
| Net operating income to assets | 0.4903% | 4,836 |
| Return on assets (ROA) | 0.4903% | 4,995 |
| Pretax return on assets | 0.4903% | 5,382 |
| Return on Equity (ROE) | 5.6956% | 4,347 |
| Retained earnings to average equity (ytd only) | 4.1585% | 3,726 |
| Net charge-offs to loans | 0.5597% | 1,131 |
| Credit loss provision to net charge-offs | 29.7468% | 3,900 |
| Earnings coverage of net charge-offs (x) | 2.1266% | 4,130 |
| Efficiency ratio | 87.1756% | 1,243 |
| Assets per employee ($millions) | 2.7192% | 6,254 |
| Cash dividends to net income (ytd only)* | 26.9906% | 2,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5012% | 3,448 |
| Loan loss allowance to noncurrent loans | 120.6667% | 3,005 |
| Noncurrent assets plus other real estate owned to assets | 2.3815% | 1,643 |
| Noncurrent loans to loans | 1.2441% | 3,324 |
| Net loans and leases to total assets | 45.1787% | 5,615 |
| Net loans and leases to deposits | 50.0759% | 5,833 |
| Net loans and leases to core deposits | 50.2730% | 5,996 |
| Total domestic deposits to total assets | 90.2204% | 881 |
| Equity capital to assets | 8.1235% | 6,063 |
| Core capital (leverage) ratio | 8.5690% | 5,697 |
| Tier 1 risk-based capital ratio | 16.9631% | 2,720 |
| Total risk-based capital ratio | 18.2142% | 2,685 |
| Memoranda: | ||
| Average total assets | $78,596,500 | 5,322 |
| Average earning assets | $71,248,000 | 5,328 |
| Average equity | $6,765,250 | 5,700 |
| Average total loans | $37,639,750 | 5,491 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3420% | 2,783 |
| Cost of funding earning assets | 0.3571% | 5,339 |
| Net interest margin | 3.9848% | 1,917 |
| Noninterest income to average assets | 0.9171% | 1,755 |
| Noninterest expense to average assets | 3.9690% | 898 |
| Loan and lease loss provision to assets | 0.0815% | 3,435 |
| Net operating income to assets | 0.4764% | 4,895 |
| Return on assets (ROA) | 0.4764% | 5,078 |
| Pretax return on assets | 0.4764% | 5,447 |
| Return on Equity (ROE) | 5.4321% | 4,504 |
| Retained earnings to average equity (ytd only) | 4.5606% | 3,366 |
| Net charge-offs to loans | 0.8340% | 749 |
| Credit loss provision to net charge-offs | 20.1258% | 3,733 |
| Earnings coverage of net charge-offs (x) | 1.3774% | 4,082 |
| Efficiency ratio | 87.6759% | 1,254 |
| Assets per employee ($millions) | 2.4678% | 6,525 |
| Cash dividends to net income (ytd only)* | 16.0428% | 3,143 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4269% | 3,911 |
| Loan loss allowance to noncurrent loans | 240.6393% | 1,693 |
| Noncurrent assets plus other real estate owned to assets | 2.0742% | 2,087 |
| Noncurrent loans to loans | 0.5930% | 4,774 |
| Net loans and leases to total assets | 46.0998% | 5,520 |
| Net loans and leases to deposits | 51.1701% | 5,760 |
| Net loans and leases to core deposits | 51.3716% | 5,931 |
| Total domestic deposits to total assets | 90.0912% | 975 |
| Equity capital to assets | 8.2652% | 6,001 |
| Core capital (leverage) ratio | 8.5263% | 5,638 |
| Tier 1 risk-based capital ratio | 16.0606% | 3,159 |
| Total risk-based capital ratio | 17.2938% | 3,111 |
| Memoranda: | ||
| Average total assets | $78,509,330 | 5,357 |
| Average earning assets | $71,120,000 | 5,360 |
| Average equity | $6,885,000 | 5,712 |
| Average total loans | $38,129,670 | 5,499 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3788% | 2,598 |
| Cost of funding earning assets | 0.3602% | 5,447 |
| Net interest margin | 4.0185% | 1,716 |
| Noninterest income to average assets | 0.7767% | 2,227 |
| Noninterest expense to average assets | 3.8529% | 1,054 |
| Loan and lease loss provision to assets | 0.1022% | 2,970 |
| Net operating income to assets | 0.4701% | 4,820 |
| Return on assets (ROA) | 0.4701% | 4,987 |
| Pretax return on assets | 0.4701% | 5,356 |
| Return on Equity (ROE) | 5.2095% | 4,457 |
| Retained earnings to average equity (ytd only) | 4.3601% | 3,621 |
| Net charge-offs to loans | 1.3840% | 400 |
| Credit loss provision to net charge-offs | 14.9254% | 3,102 |
| Earnings coverage of net charge-offs (x) | 0.8358% | 3,550 |
| Efficiency ratio | 87.0670% | 1,411 |
| Assets per employee ($millions) | 2.3368% | 6,707 |
| Cash dividends to net income (ytd only)* | 16.3043% | 2,365 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4247% | 4,110 |
| Loan loss allowance to noncurrent loans | 87.3786% | 3,709 |
| Noncurrent assets plus other real estate owned to assets | 2.6156% | 1,743 |
| Noncurrent loans to loans | 1.6304% | 3,095 |
| Net loans and leases to total assets | 48.4536% | 5,179 |
| Net loans and leases to deposits | 54.3318% | 5,405 |
| Net loans and leases to core deposits | 54.3318% | 5,642 |
| Total domestic deposits to total assets | 89.1808% | 1,578 |
| Equity capital to assets | 9.1411% | 5,319 |
| Core capital (leverage) ratio | 8.4151% | 5,688 |
| Tier 1 risk-based capital ratio | 15.8955% | 3,324 |
| Total risk-based capital ratio | 17.1479% | 3,289 |
| Memoranda: | ||
| Average total assets | $78,279,000 | 5,410 |
| Average earning assets | $71,070,500 | 5,411 |
| Average equity | $7,064,000 | 5,727 |
| Average total loans | $38,728,500 | 5,516 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6322% | 2,871 |
| Cost of funding earning assets | 0.3944% | 5,955 |
| Net interest margin | 4.2378% | 1,553 |
| Noninterest income to average assets | 0.8174% | 2,187 |
| Noninterest expense to average assets | 4.1393% | 826 |
| Loan and lease loss provision to assets | 0.0915% | 4,534 |
| Net operating income to assets | 0.4577% | 4,848 |
| Return on assets (ROA) | 0.4734% | 5,040 |
| Pretax return on assets | 0.4669% | 5,379 |
| Return on Equity (ROE) | 5.2146% | 4,584 |
| Retained earnings to average equity (ytd only) | 3.3564% | 3,858 |
| Net charge-offs to loans | 0.2951% | 3,172 |
| Credit loss provision to net charge-offs | 57.3770% | 4,513 |
| Earnings coverage of net charge-offs (x) | 3.4016% | 3,743 |
| Efficiency ratio | 88.4078% | 1,206 |
| Assets per employee ($millions) | 2.4074% | 6,697 |
| Cash dividends to net income (ytd only)* | 35.6354% | 3,104 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6535% | 3,105 |
| Loan loss allowance to noncurrent loans | 49.0623% | 5,178 |
| Noncurrent assets plus other real estate owned to assets | 2.5842% | 1,883 |
| Noncurrent loans to loans | 3.3702% | 1,499 |
| Net loans and leases to total assets | 48.9634% | 5,311 |
| Net loans and leases to deposits | 54.7210% | 5,580 |
| Net loans and leases to core deposits | 55.0650% | 5,787 |
| Total domestic deposits to total assets | 89.4783% | 1,260 |
| Equity capital to assets | 8.9106% | 5,622 |
| Core capital (leverage) ratio | 8.3970% | 5,762 |
| Tier 1 risk-based capital ratio | 15.5484% | 3,395 |
| Total risk-based capital ratio | 16.8001% | 3,358 |
| Memoranda: | ||
| Average total assets | $76,461,600 | 5,448 |
| Average earning assets | $69,729,600 | 5,441 |
| Average equity | $6,942,000 | 5,781 |
| Average total loans | $41,347,000 | 5,447 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7432% | 2,612 |
| Cost of funding earning assets | 0.4036% | 6,096 |
| Net interest margin | 4.3396% | 1,375 |
| Noninterest income to average assets | 0.7519% | 2,472 |
| Noninterest expense to average assets | 4.1188% | 805 |
| Loan and lease loss provision to assets | 0.0264% | 5,455 |
| Net operating income to assets | 0.5653% | 4,544 |
| Return on assets (ROA) | 0.5670% | 4,808 |
| Pretax return on assets | 0.5653% | 5,263 |
| Return on Equity (ROE) | 6.2150% | 4,223 |
| Retained earnings to average equity (ytd only) | 3.9761% | 4,083 |
| Net charge-offs to loans | 0.3445% | 2,728 |
| Credit loss provision to net charge-offs | 13.8889% | 5,032 |
| Earnings coverage of net charge-offs (x) | 3.1018% | 3,783 |
| Efficiency ratio | 87.4720% | 1,254 |
| Assets per employee ($millions) | 2.2982% | 6,861 |
| Cash dividends to net income (ytd only)* | 36.0244% | 2,364 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5116% | 3,904 |
| Loan loss allowance to noncurrent loans | 45.4748% | 5,376 |
| Noncurrent assets plus other real estate owned to assets | 2.7690% | 1,899 |
| Noncurrent loans to loans | 3.3240% | 1,653 |
| Net loans and leases to total assets | 52.6635% | 4,960 |
| Net loans and leases to deposits | 59.3206% | 5,280 |
| Net loans and leases to core deposits | 59.7144% | 5,588 |
| Total domestic deposits to total assets | 88.7777% | 1,546 |
| Equity capital to assets | 9.3961% | 5,342 |
| Core capital (leverage) ratio | 8.5960% | 5,628 |
| Tier 1 risk-based capital ratio | 15.5211% | 3,520 |
| Total risk-based capital ratio | 16.6598% | 3,545 |
| Memoranda: | ||
| Average total assets | $75,715,750 | 5,525 |
| Average earning assets | $69,037,000 | 5,526 |
| Average equity | $6,907,750 | 5,854 |
| Average total loans | $41,795,500 | 5,490 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8049% | 2,491 |
| Cost of funding earning assets | 0.4081% | 6,224 |
| Net interest margin | 4.3967% | 1,208 |
| Noninterest income to average assets | 0.7215% | 2,548 |
| Noninterest expense to average assets | 4.1044% | 831 |
| Loan and lease loss provision to assets | 0.0132% | 5,498 |
| Net operating income to assets | 0.6317% | 4,217 |
| Return on assets (ROA) | 0.6317% | 4,462 |
| Pretax return on assets | 0.6184% | 5,074 |
| Return on Equity (ROE) | 6.9934% | 3,785 |
| Retained earnings to average equity (ytd only) | 6.2326% | 2,546 |
| Net charge-offs to loans | 0.1848% | 3,478 |
| Credit loss provision to net charge-offs | 12.8205% | 4,703 |
| Earnings coverage of net charge-offs (x) | 6.1282% | 2,691 |
| Efficiency ratio | 86.6629% | 1,372 |
| Assets per employee ($millions) | 2.2666% | 6,937 |
| Cash dividends to net income (ytd only)* | 10.8787% | 3,267 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6404% | 3,460 |
| Loan loss allowance to noncurrent loans | 47.3239% | 5,267 |
| Noncurrent assets plus other real estate owned to assets | 2.5790% | 2,156 |
| Noncurrent loans to loans | 3.4663% | 1,658 |
| Net loans and leases to total assets | 53.8711% | 4,821 |
| Net loans and leases to deposits | 60.6098% | 5,186 |
| Net loans and leases to core deposits | 61.0164% | 5,487 |
| Total domestic deposits to total assets | 88.8819% | 1,585 |
| Equity capital to assets | 9.3667% | 5,239 |
| Core capital (leverage) ratio | 8.5219% | 5,626 |
| Tier 1 risk-based capital ratio | 15.1293% | 3,678 |
| Total risk-based capital ratio | 16.3936% | 3,638 |
| Memoranda: | ||
| Average total assets | $75,674,330 | 5,554 |
| Average earning assets | $69,096,670 | 5,557 |
| Average equity | $6,835,000 | 5,894 |
| Average total loans | $42,209,670 | 5,505 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8451% | 2,460 |
| Cost of funding earning assets | 0.4086% | 6,368 |
| Net interest margin | 4.4366% | 1,147 |
| Noninterest income to average assets | 0.7305% | 2,495 |
| Noninterest expense to average assets | 4.0519% | 877 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.7095% | 3,840 |
| Return on assets (ROA) | 0.7095% | 4,060 |
| Pretax return on assets | 0.7305% | 4,688 |
| Return on Equity (ROE) | 8.0006% | 3,281 |
| Retained earnings to average equity (ytd only) | 7.1116% | 2,374 |
| Net charge-offs to loans | -0.0187% | 6,164 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.7253% | 1,608 |
| Assets per employee ($millions) | 2.3021% | 6,993 |
| Cash dividends to net income (ytd only)* | 11.1111% | 2,524 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6573% | 3,513 |
| Loan loss allowance to noncurrent loans | 72.7646% | 3,935 |
| Noncurrent assets plus other real estate owned to assets | 1.7336% | 3,257 |
| Noncurrent loans to loans | 2.2777% | 2,825 |
| Net loans and leases to total assets | 55.3002% | 4,512 |
| Net loans and leases to deposits | 61.8637% | 4,940 |
| Net loans and leases to core deposits | 61.8637% | 5,341 |
| Total domestic deposits to total assets | 89.3904% | 1,427 |
| Equity capital to assets | 8.9629% | 5,551 |
| Core capital (leverage) ratio | 8.4814% | 5,628 |
| Tier 1 risk-based capital ratio | 14.3459% | 4,211 |
| Total risk-based capital ratio | 15.5984% | 4,181 |
| Memoranda: | ||
| Average total assets | $76,113,000 | 5,590 |
| Average earning assets | $69,513,000 | 5,576 |
| Average equity | $6,749,500 | 5,949 |
| Average total loans | $42,831,500 | 5,512 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1765% | 2,161 |
| Cost of funding earning assets | 0.5340% | 6,406 |
| Net interest margin | 4.6425% | 846 |
| Noninterest income to average assets | 0.5187% | 3,730 |
| Noninterest expense to average assets | 4.2086% | 798 |
| Loan and lease loss provision to assets | 0.1468% | 4,776 |
| Net operating income to assets | 0.3696% | 4,996 |
| Return on assets (ROA) | 0.3839% | 5,104 |
| Pretax return on assets | 0.3947% | 5,309 |
| Return on Equity (ROE) | 4.4168% | 4,669 |
| Retained earnings to average equity (ytd only) | 3.3940% | 3,804 |
| Net charge-offs to loans | 0.1988% | 4,549 |
| Credit loss provision to net charge-offs | 121.1111% | 2,619 |
| Earnings coverage of net charge-offs (x) | 4.3444% | 3,158 |
| Efficiency ratio | 88.8762% | 1,285 |
| Assets per employee ($millions) | 2.3108% | 7,000 |
| Cash dividends to net income (ytd only)* | 23.1579% | 3,410 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6440% | 3,402 |
| Loan loss allowance to noncurrent loans | 74.7090% | 3,871 |
| Noncurrent assets plus other real estate owned to assets | 1.9054% | 3,101 |
| Noncurrent loans to loans | 2.2005% | 2,948 |
| Net loans and leases to total assets | 55.3890% | 4,813 |
| Net loans and leases to deposits | 61.7876% | 5,275 |
| Net loans and leases to core deposits | 61.7876% | 5,680 |
| Total domestic deposits to total assets | 89.6442% | 1,180 |
| Equity capital to assets | 8.7730% | 5,825 |
| Core capital (leverage) ratio | 8.3912% | 5,728 |
| Tier 1 risk-based capital ratio | 14.1112% | 4,247 |
| Total risk-based capital ratio | 15.3670% | 4,195 |
| Memoranda: | ||
| Average total assets | $74,229,200 | 5,634 |
| Average earning assets | $67,420,600 | 5,633 |
| Average equity | $6,452,600 | 6,027 |
| Average total loans | $45,268,000 | 5,456 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2325% | 2,085 |
| Cost of funding earning assets | 0.5639% | 6,456 |
| Net interest margin | 4.6686% | 817 |
| Noninterest income to average assets | 0.6800% | 2,720 |
| Noninterest expense to average assets | 4.2465% | 756 |
| Loan and lease loss provision to assets | 0.0416% | 5,915 |
| Net operating income to assets | 0.5767% | 4,192 |
| Return on assets (ROA) | 0.5950% | 4,290 |
| Pretax return on assets | 0.6493% | 4,648 |
| Return on Equity (ROE) | 6.8613% | 3,584 |
| Retained earnings to average equity (ytd only) | 5.7977% | 2,676 |
| Net charge-offs to loans | 0.2356% | 3,950 |
| Credit loss provision to net charge-offs | 28.3951% | 5,436 |
| Earnings coverage of net charge-offs (x) | 4.5801% | 3,019 |
| Efficiency ratio | 86.3553% | 1,498 |
| Assets per employee ($millions) | 2.2745% | 7,096 |
| Cash dividends to net income (ytd only)* | 15.5018% | 3,100 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3944% | 4,588 |
| Loan loss allowance to noncurrent loans | 83.0464% | 3,452 |
| Noncurrent assets plus other real estate owned to assets | 1.8865% | 3,286 |
| Noncurrent loans to loans | 1.6790% | 3,789 |
| Net loans and leases to total assets | 59.0727% | 4,307 |
| Net loans and leases to deposits | 66.1722% | 4,878 |
| Net loans and leases to core deposits | 66.4519% | 5,369 |
| Total domestic deposits to total assets | 89.2712% | 1,272 |
| Equity capital to assets | 9.0141% | 5,741 |
| Core capital (leverage) ratio | 8.5509% | 5,636 |
| Tier 1 risk-based capital ratio | 13.5200% | 4,716 |
| Total risk-based capital ratio | 14.7743% | 4,684 |
| Memoranda: | ||
| Average total assets | $73,722,250 | 5,690 |
| Average earning assets | $66,913,000 | 5,684 |
| Average equity | $6,393,250 | 6,087 |
| Average total loans | $45,849,000 | 5,475 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2192% | 2,191 |
| Cost of funding earning assets | 0.6020% | 6,455 |
| Net interest margin | 4.6172% | 882 |
| Noninterest income to average assets | 0.7588% | 2,213 |
| Noninterest expense to average assets | 4.3179% | 733 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.5677% | 4,222 |
| Return on assets (ROA) | 0.5677% | 4,346 |
| Pretax return on assets | 0.6278% | 4,652 |
| Return on Equity (ROE) | 6.6358% | 3,627 |
| Retained earnings to average equity (ytd only) | 6.6358% | 2,061 |
| Net charge-offs to loans | -0.0737% | 7,103 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.3068% | 1,479 |
| Assets per employee ($millions) | 2.2896% | 7,126 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5186% | 4,043 |
| Loan loss allowance to noncurrent loans | 80.3204% | 3,507 |
| Noncurrent assets plus other real estate owned to assets | 1.9845% | 3,255 |
| Noncurrent loans to loans | 1.8907% | 3,619 |
| Net loans and leases to total assets | 62.1352% | 3,866 |
| Net loans and leases to deposits | 69.4821% | 4,504 |
| Net loans and leases to core deposits | 69.7825% | 5,098 |
| Total domestic deposits to total assets | 89.4262% | 1,279 |
| Equity capital to assets | 8.9155% | 5,692 |
| Core capital (leverage) ratio | 8.6168% | 5,370 |
| Tier 1 risk-based capital ratio | 13.5211% | 4,511 |
| Total risk-based capital ratio | 14.7742% | 4,494 |
| Memoranda: | ||
| Average total assets | $73,276,330 | 5,741 |
| Average earning assets | $66,447,330 | 5,742 |
| Average equity | $6,269,000 | 6,150 |
| Average total loans | $46,143,000 | 5,517 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1533% | 2,419 |
| Cost of funding earning assets | 0.6502% | 6,380 |
| Net interest margin | 4.5031% | 1,063 |
| Noninterest income to average assets | 0.7533% | 2,244 |
| Noninterest expense to average assets | 4.2466% | 775 |
| Loan and lease loss provision to assets | 0.1638% | 3,994 |
| Net operating income to assets | 0.3657% | 5,097 |
| Return on assets (ROA) | 0.3657% | 5,182 |
| Pretax return on assets | 0.4258% | 5,257 |
| Return on Equity (ROE) | 4.3666% | 4,717 |
| Retained earnings to average equity (ytd only) | 4.3666% | 3,548 |
| Net charge-offs to loans | -0.2082% | 7,263 |
| Credit loss provision to net charge-offs | -125.0000% | 5,746 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.8104% | 1,538 |
| Assets per employee ($millions) | 2.2964% | 7,184 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5978% | 3,738 |
| Loan loss allowance to noncurrent loans | 80.5011% | 3,509 |
| Noncurrent assets plus other real estate owned to assets | 2.0929% | 3,203 |
| Noncurrent loans to loans | 1.9848% | 3,591 |
| Net loans and leases to total assets | 61.9351% | 3,872 |
| Net loans and leases to deposits | 68.8339% | 4,547 |
| Net loans and leases to core deposits | 68.8339% | 5,188 |
| Total domestic deposits to total assets | 89.9775% | 1,160 |
| Equity capital to assets | 8.4466% | 5,984 |
| Core capital (leverage) ratio | 8.4245% | 5,586 |
| Tier 1 risk-based capital ratio | 13.1646% | 4,695 |
| Total risk-based capital ratio | 14.4179% | 4,667 |
| Memoranda: | ||
| Average total assets | $73,281,500 | 5,778 |
| Average earning assets | $66,443,000 | 5,789 |
| Average equity | $6,137,500 | 6,195 |
| Average total loans | $46,101,500 | 5,556 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0467% | 4,334 |
| Cost of funding earning assets | 0.9554% | 5,911 |
| Net interest margin | 4.0913% | 2,609 |
| Noninterest income to average assets | 0.9547% | 1,653 |
| Noninterest expense to average assets | 3.8975% | 1,319 |
| Loan and lease loss provision to assets | 0.4052% | 3,685 |
| Net operating income to assets | 0.3489% | 4,743 |
| Return on assets (ROA) | 0.4905% | 4,302 |
| Pretax return on assets | 0.4957% | 4,632 |
| Return on Equity (ROE) | 6.7071% | 3,257 |
| Retained earnings to average equity (ytd only) | 6.7071% | 1,449 |
| Net charge-offs to loans | 0.6208% | 3,179 |
| Credit loss provision to net charge-offs | 108.4211% | 4,077 |
| Earnings coverage of net charge-offs (x) | 2.0281% | 4,213 |
| Efficiency ratio | 83.7183% | 1,953 |
| Assets per employee ($millions) | 2.2145% | 7,292 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4907% | 4,063 |
| Loan loss allowance to noncurrent loans | 57.7085% | 4,560 |
| Noncurrent assets plus other real estate owned to assets | 2.3961% | 2,871 |
| Noncurrent loans to loans | 2.5832% | 2,948 |
| Net loans and leases to total assets | 61.9420% | 4,299 |
| Net loans and leases to deposits | 68.7296% | 4,998 |
| Net loans and leases to core deposits | 69.2554% | 5,516 |
| Total domestic deposits to total assets | 90.1243% | 1,022 |
| Equity capital to assets | 8.3035% | 6,145 |
| Core capital (leverage) ratio | 8.3059% | 5,677 |
| Tier 1 risk-based capital ratio | 13.1606% | 4,479 |
| Total risk-based capital ratio | 14.4143% | 4,432 |
| Memoranda: | ||
| Average total assets | $76,254,800 | 5,705 |
| Average earning assets | $68,976,200 | 5,700 |
| Average equity | $5,576,200 | 6,490 |
| Average total loans | $45,907,000 | 5,651 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0341% | 4,659 |
| Cost of funding earning assets | 1.0225% | 5,834 |
| Net interest margin | 4.0115% | 3,045 |
| Noninterest income to average assets | 0.9379% | 1,655 |
| Noninterest expense to average assets | 3.8191% | 1,344 |
| Loan and lease loss provision to assets | 0.3617% | 3,726 |
| Net operating income to assets | 0.3642% | 4,912 |
| Return on assets (ROA) | 0.5434% | 4,290 |
| Pretax return on assets | 0.5711% | 4,688 |
| Return on Equity (ROE) | 7.6773% | 3,036 |
| Retained earnings to average equity (ytd only) | 7.6773% | 1,527 |
| Net charge-offs to loans | 0.1162% | 5,382 |
| Credit loss provision to net charge-offs | 522.5000% | 557 |
| Earnings coverage of net charge-offs (x) | 10.7504% | 1,858 |
| Efficiency ratio | 83.6936% | 1,868 |
| Assets per employee ($millions) | 2.2241% | 7,364 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8255% | 2,703 |
| Loan loss allowance to noncurrent loans | 56.7327% | 4,521 |
| Noncurrent assets plus other real estate owned to assets | 2.8312% | 2,565 |
| Noncurrent loans to loans | 3.2178% | 2,466 |
| Net loans and leases to total assets | 60.8153% | 4,756 |
| Net loans and leases to deposits | 68.5832% | 5,338 |
| Net loans and leases to core deposits | 70.5050% | 5,699 |
| Total domestic deposits to total assets | 88.6738% | 1,578 |
| Equity capital to assets | 7.7647% | 6,961 |
| Core capital (leverage) ratio | 7.4066% | 6,931 |
| Tier 1 risk-based capital ratio | 12.1678% | 5,305 |
| Total risk-based capital ratio | 12.7643% | 5,904 |
| Memoranda: | ||
| Average total assets | $77,049,000 | 5,745 |
| Average earning assets | $69,630,500 | 5,747 |
| Average equity | $5,453,250 | 6,602 |
| Average total loans | $45,896,000 | 5,735 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0380% | 4,754 |
| Cost of funding earning assets | 1.0579% | 5,883 |
| Net interest margin | 3.9800% | 3,115 |
| Noninterest income to average assets | 0.9123% | 1,651 |
| Noninterest expense to average assets | 3.7155% | 1,528 |
| Loan and lease loss provision to assets | 0.3501% | 3,620 |
| Net operating income to assets | 0.4523% | 4,544 |
| Return on assets (ROA) | 0.4523% | 4,701 |
| Pretax return on assets | 0.4421% | 5,088 |
| Return on Equity (ROE) | 6.5905% | 3,501 |
| Retained earnings to average equity (ytd only) | 6.5905% | 2,025 |
| Net charge-offs to loans | 0.0174% | 6,099 |
| Credit loss provision to net charge-offs | 3,425.0000% | 118 |
| Earnings coverage of net charge-offs (x) | 77.5000% | 406 |
| Efficiency ratio | 82.4263% | 2,107 |
| Assets per employee ($millions) | 2.2625% | 7,392 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7680% | 2,824 |
| Loan loss allowance to noncurrent loans | 43.6504% | 5,396 |
| Noncurrent assets plus other real estate owned to assets | 3.1127% | 2,274 |
| Noncurrent loans to loans | 4.0504% | 1,865 |
| Net loans and leases to total assets | 59.0855% | 5,234 |
| Net loans and leases to deposits | 66.3583% | 5,763 |
| Net loans and leases to core deposits | 68.1787% | 6,040 |
| Total domestic deposits to total assets | 89.0401% | 1,416 |
| Equity capital to assets | 7.4803% | 7,127 |
| Core capital (leverage) ratio | 6.9744% | 7,209 |
| Tier 1 risk-based capital ratio | 11.3708% | 5,889 |
| Total risk-based capital ratio | 12.6263% | 5,863 |
| Memoranda: | ||
| Average total assets | $78,266,670 | 5,749 |
| Average earning assets | $70,703,330 | 5,748 |
| Average equity | $5,371,330 | 6,660 |
| Average total loans | $46,039,330 | 5,756 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0584% | 4,741 |
| Cost of funding earning assets | 1.1597% | 5,609 |
| Net interest margin | 3.8987% | 3,330 |
| Noninterest income to average assets | 0.8792% | 1,703 |
| Noninterest expense to average assets | 3.6019% | 1,731 |
| Loan and lease loss provision to assets | 0.3247% | 3,463 |
| Net operating income to assets | 0.4846% | 4,473 |
| Return on assets (ROA) | 0.4846% | 4,605 |
| Pretax return on assets | 0.4796% | 5,028 |
| Return on Equity (ROE) | 7.3701% | 3,175 |
| Retained earnings to average equity (ytd only) | 7.3701% | 1,988 |
| Net charge-offs to loans | 0.0429% | 4,993 |
| Credit loss provision to net charge-offs | 1,300.0000% | 374 |
| Earnings coverage of net charge-offs (x) | 32.2000% | 830 |
| Efficiency ratio | 81.7460% | 2,304 |
| Assets per employee ($millions) | 2.3065% | 7,460 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5681% | 3,582 |
| Loan loss allowance to noncurrent loans | 73.7219% | 3,684 |
| Noncurrent assets plus other real estate owned to assets | 1.8796% | 3,663 |
| Noncurrent loans to loans | 2.1270% | 3,615 |
| Net loans and leases to total assets | 57.7129% | 5,494 |
| Net loans and leases to deposits | 64.8763% | 5,955 |
| Net loans and leases to core deposits | 67.5245% | 6,147 |
| Total domestic deposits to total assets | 88.9583% | 1,537 |
| Equity capital to assets | 6.7903% | 7,456 |
| Core capital (leverage) ratio | 6.5273% | 7,454 |
| Tier 1 risk-based capital ratio | 10.9187% | 6,232 |
| Total risk-based capital ratio | 12.1722% | 6,210 |
| Memoranda: | ||
| Average total assets | $80,068,500 | 5,766 |
| Average earning assets | $72,433,500 | 5,765 |
| Average equity | $5,264,500 | 6,751 |
| Average total loans | $46,604,500 | 5,814 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6329% | 3,424 |
| Cost of funding earning assets | 1.5152% | 5,457 |
| Net interest margin | 4.1177% | 2,373 |
| Noninterest income to average assets | 1.0565% | 1,384 |
| Noninterest expense to average assets | 3.9976% | 1,366 |
| Loan and lease loss provision to assets | 1.1347% | 2,009 |
| Net operating income to assets | -0.4313% | 6,111 |
| Return on assets (ROA) | -0.7721% | 6,413 |
| Pretax return on assets | -0.8230% | 6,281 |
| Return on Equity (ROE) | -10.5451% | 6,658 |
| Retained earnings to average equity (ytd only) | -11.3288% | 6,627 |
| Net charge-offs to loans | 2.0170% | 1,217 |
| Credit loss provision to net charge-offs | 90.7195% | 5,979 |
| Earnings coverage of net charge-offs (x) | 0.5391% | 5,574 |
| Efficiency ratio | 85.5667% | 2,166 |
| Assets per employee ($millions) | 2.4762% | 7,238 |
| Cash dividends to net income (ytd only)* | -7.4324% | 7,574 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3996% | 4,241 |
| Loan loss allowance to noncurrent loans | 57.8809% | 4,522 |
| Noncurrent assets plus other real estate owned to assets | 2.1036% | 3,267 |
| Noncurrent loans to loans | 2.4180% | 3,137 |
| Net loans and leases to total assets | 56.9876% | 5,821 |
| Net loans and leases to deposits | 64.1070% | 6,252 |
| Net loans and leases to core deposits | 76.1599% | 6,386 |
| Total domestic deposits to total assets | 88.8945% | 1,527 |
| Equity capital to assets | 6.3684% | 7,595 |
| Core capital (leverage) ratio | 6.4974% | 7,495 |
| Tier 1 risk-based capital ratio | 10.4860% | 6,408 |
| Total risk-based capital ratio | 11.7364% | 6,382 |
| Memoranda: | ||
| Average total assets | $76,671,800 | 5,816 |
| Average earning assets | $67,318,400 | 5,892 |
| Average equity | $5,614,000 | 6,736 |
| Average total loans | $47,545,000 | 5,782 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9645% | 2,175 |
| Cost of funding earning assets | 1.5622% | 5,582 |
| Net interest margin | 4.4023% | 1,434 |
| Noninterest income to average assets | 0.9936% | 1,630 |
| Noninterest expense to average assets | 4.1867% | 1,048 |
| Loan and lease loss provision to assets | 1.3066% | 1,476 |
| Net operating income to assets | -0.6842% | 6,587 |
| Return on assets (ROA) | -1.1846% | 6,955 |
| Pretax return on assets | -1.1687% | 6,800 |
| Return on Equity (ROE) | -15.6269% | 7,215 |
| Retained earnings to average equity (ytd only) | -16.6532% | 7,215 |
| Net charge-offs to loans | 1.9373% | 1,028 |
| Credit loss provision to net charge-offs | 106.7919% | 4,760 |
| Earnings coverage of net charge-offs (x) | 0.5217% | 5,508 |
| Efficiency ratio | 86.7717% | 1,983 |
| Assets per employee ($millions) | 2.2756% | 7,527 |
| Cash dividends to net income (ytd only)* | -6.5677% | 7,717 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6794% | 2,698 |
| Loan loss allowance to noncurrent loans | 82.5907% | 3,297 |
| Noncurrent assets plus other real estate owned to assets | 2.0356% | 3,301 |
| Noncurrent loans to loans | 2.0334% | 3,590 |
| Net loans and leases to total assets | 60.3068% | 5,538 |
| Net loans and leases to deposits | 70.1834% | 5,892 |
| Net loans and leases to core deposits | 84.2847% | 6,020 |
| Total domestic deposits to total assets | 85.9275% | 2,730 |
| Equity capital to assets | 6.7325% | 7,700 |
| Core capital (leverage) ratio | 6.5768% | 7,641 |
| Tier 1 risk-based capital ratio | 10.3944% | 6,577 |
| Total risk-based capital ratio | 11.6493% | 6,516 |
| Memoranda: | ||
| Average total assets | $75,410,750 | 5,893 |
| Average earning assets | $65,631,000 | 5,972 |
| Average equity | $5,716,500 | 6,773 |
| Average total loans | $47,624,000 | 5,821 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1270% | 1,701 |
| Cost of funding earning assets | 1.6042% | 5,731 |
| Net interest margin | 4.5228% | 1,114 |
| Noninterest income to average assets | 0.9685% | 1,698 |
| Noninterest expense to average assets | 4.0986% | 1,192 |
| Loan and lease loss provision to assets | 0.4254% | 3,418 |
| Net operating income to assets | 0.3103% | 4,847 |
| Return on assets (ROA) | -0.5083% | 6,568 |
| Pretax return on assets | -0.4896% | 6,415 |
| Return on Equity (ROE) | -6.4564% | 6,753 |
| Retained earnings to average equity (ytd only) | -7.9515% | 6,661 |
| Net charge-offs to loans | 1.8079% | 1,043 |
| Credit loss provision to net charge-offs | 36.8910% | 5,948 |
| Earnings coverage of net charge-offs (x) | 0.6543% | 5,046 |
| Efficiency ratio | 84.4542% | 2,424 |
| Assets per employee ($millions) | 2.2836% | 7,576 |
| Cash dividends to net income (ytd only)* | -23.1579% | 7,946 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9980% | 6,267 |
| Loan loss allowance to noncurrent loans | 56.8371% | 4,622 |
| Noncurrent assets plus other real estate owned to assets | 1.6112% | 3,796 |
| Noncurrent loans to loans | 1.7560% | 3,873 |
| Net loans and leases to total assets | 61.0700% | 5,506 |
| Net loans and leases to deposits | 72.6181% | 5,649 |
| Net loans and leases to core deposits | 88.1781% | 5,704 |
| Total domestic deposits to total assets | 84.0975% | 3,712 |
| Equity capital to assets | 7.1237% | 7,539 |
| Core capital (leverage) ratio | 7.1832% | 7,375 |
| Tier 1 risk-based capital ratio | 11.4254% | 5,467 |
| Total risk-based capital ratio | 12.1555% | 5,915 |
| Memoranda: | ||
| Average total assets | $74,757,330 | 5,958 |
| Average earning assets | $64,208,000 | 6,069 |
| Average equity | $5,885,670 | 6,767 |
| Average total loans | $47,679,670 | 5,861 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0713% | 2,070 |
| Cost of funding earning assets | 1.5909% | 6,071 |
| Net interest margin | 4.4805% | 1,174 |
| Noninterest income to average assets | 0.9821% | 1,536 |
| Noninterest expense to average assets | 4.1356% | 1,018 |
| Loan and lease loss provision to assets | 0.2837% | 3,691 |
| Net operating income to assets | 0.4692% | 4,569 |
| Return on assets (ROA) | 0.4692% | 4,758 |
| Pretax return on assets | 0.4965% | 5,088 |
| Return on Equity (ROE) | 5.6738% | 4,183 |
| Retained earnings to average equity (ytd only) | 3.8265% | 3,761 |
| Net charge-offs to loans | 3.5483% | 343 |
| Credit loss provision to net charge-offs | 12.3223% | 5,172 |
| Earnings coverage of net charge-offs (x) | 0.3389% | 4,702 |
| Efficiency ratio | 84.1287% | 2,290 |
| Assets per employee ($millions) | 2.2500% | 7,649 |
| Cash dividends to net income (ytd only)* | 32.5581% | 2,260 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7898% | 7,193 |
| Loan loss allowance to noncurrent loans | 28.4006% | 6,659 |
| Noncurrent assets plus other real estate owned to assets | 2.3542% | 2,436 |
| Noncurrent loans to loans | 2.7808% | 2,360 |
| Net loans and leases to total assets | 64.2900% | 4,935 |
| Net loans and leases to deposits | 78.7723% | 4,803 |
| Net loans and leases to core deposits | 94.6092% | 5,099 |
| Total domestic deposits to total assets | 81.6151% | 4,709 |
| Equity capital to assets | 8.1871% | 6,553 |
| Core capital (leverage) ratio | 7.9646% | 6,523 |
| Tier 1 risk-based capital ratio | 11.7154% | 5,193 |
| Total risk-based capital ratio | 12.4828% | 5,578 |
| Memoranda: | ||
| Average total assets | $73,315,000 | 6,017 |
| Average earning assets | $64,368,000 | 6,091 |
| Average equity | $6,063,000 | 6,736 |
| Average total loans | $47,572,500 | 5,888 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6698% | 2,155 |
| Cost of funding earning assets | 1.7827% | 7,051 |
| Net interest margin | 4.8871% | 647 |
| Noninterest income to average assets | 1.0911% | 1,323 |
| Noninterest expense to average assets | 4.0552% | 1,337 |
| Loan and lease loss provision to assets | 0.3036% | 3,945 |
| Net operating income to assets | 1.0550% | 2,334 |
| Return on assets (ROA) | 1.0550% | 2,229 |
| Pretax return on assets | 1.1105% | 2,991 |
| Return on Equity (ROE) | 13.1994% | 1,286 |
| Retained earnings to average equity (ytd only) | 7.1634% | 1,099 |
| Net charge-offs to loans | 0.2664% | 3,624 |
| Credit loss provision to net charge-offs | 190.4348% | 2,589 |
| Earnings coverage of net charge-offs (x) | 8.8696% | 2,805 |
| Efficiency ratio | 74.1445% | 3,547 |
| Assets per employee ($millions) | 2.1933% | 7,723 |
| Cash dividends to net income (ytd only)* | 45.7293% | 3,356 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5948% | 2,267 |
| Loan loss allowance to noncurrent loans | 44.4840% | 5,786 |
| Noncurrent assets plus other real estate owned to assets | 2.6942% | 1,764 |
| Noncurrent loans to loans | 3.5850% | 1,405 |
| Net loans and leases to total assets | 63.9398% | 5,284 |
| Net loans and leases to deposits | 79.0054% | 5,196 |
| Net loans and leases to core deposits | 94.8340% | 5,375 |
| Total domestic deposits to total assets | 80.9309% | 4,669 |
| Equity capital to assets | 8.3546% | 6,336 |
| Core capital (leverage) ratio | 7.9487% | 6,575 |
| Tier 1 risk-based capital ratio | 11.8039% | 4,982 |
| Total risk-based capital ratio | 13.0524% | 4,895 |
| Memoranda: | ||
| Average total assets | $72,129,600 | 5,959 |
| Average earning assets | $64,619,400 | 6,004 |
| Average equity | $5,765,400 | 6,889 |
| Average total loans | $43,165,400 | 6,015 |