Home > The First National Bank in Cooper > Performance and Condition Ratios
The First National Bank in Cooper, Performance and Condition Ratios
| 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 | 4.3880% | 3,998 |
| Cost of funding earning assets | 1.2357% | 3,772 |
| Net interest margin | 3.1523% | 2,816 |
| Noninterest income to average assets | 0.5700% | 1,625 |
| Noninterest expense to average assets | 2.3555% | 2,703 |
| Loan and lease loss provision to assets | 0.0000% | 3,171 |
| Net operating income to assets | 0.9346% | 2,266 |
| Return on assets (ROA) | 0.9346% | 2,275 |
| Pretax return on assets | 1.1568% | 2,095 |
| Return on Equity (ROE) | 7.4600% | 2,905 |
| Retained earnings to average equity (ytd only) | 2.7463% | 3,130 |
| Net charge-offs to loans | 0.0314% | 1,950 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 60.9000% | 1,091 |
| Efficiency ratio | 67.0633% | 2,363 |
| Assets per employee ($millions) | 6.5524% | 2,473 |
| Cash dividends to net income (ytd only)* | 63.2114% | 1,061 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7637% | 3,955 |
| Loan loss allowance to noncurrent loans | 12,250.0000% | 99 |
| Noncurrent assets plus other real estate owned to assets | 0.0038% | 3,760 |
| Noncurrent loans to loans | 0.0062% | 3,724 |
| Net loans and leases to total assets | 60.7300% | 2,863 |
| Net loans and leases to deposits | 69.9080% | 2,954 |
| Net loans and leases to core deposits | 72.6505% | 3,224 |
| Total domestic deposits to total assets | 86.8700% | 1,914 |
| Equity capital to assets | 12.8751% | 918 |
| Core capital (leverage) ratio | 14.2626% | 722 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $52,643,400 | 4,208 |
| Average earning assets | $49,202,600 | 4,179 |
| Average equity | $6,590,800 | 4,096 |
| Average total loans | $31,849,400 | 4,070 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4470% | 3,904 |
| Cost of funding earning assets | 1.2315% | 3,779 |
| Net interest margin | 3.2155% | 2,651 |
| Noninterest income to average assets | 0.4700% | 2,018 |
| Noninterest expense to average assets | 2.2821% | 2,863 |
| Loan and lease loss provision to assets | 0.0000% | 3,009 |
| Net operating income to assets | 0.9715% | 2,140 |
| Return on assets (ROA) | 0.9715% | 2,144 |
| Pretax return on assets | 1.1967% | 1,987 |
| Return on Equity (ROE) | 7.8200% | 2,811 |
| Retained earnings to average equity (ytd only) | 4.3960% | 2,697 |
| Net charge-offs to loans | 0.0419% | 1,518 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 47.3000% | 1,235 |
| Efficiency ratio | 65.6000% | 2,523 |
| Assets per employee ($millions) | 6.4221% | 2,565 |
| Cash dividends to net income (ytd only)* | 43.7500% | 1,613 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7472% | 4,018 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,813 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,861 |
| Noncurrent loans to loans | 0.0000% | 3,830 |
| Net loans and leases to total assets | 63.3400% | 2,602 |
| Net loans and leases to deposits | 73.5418% | 2,705 |
| Net loans and leases to core deposits | 75.9907% | 3,066 |
| Total domestic deposits to total assets | 86.1300% | 1,887 |
| Equity capital to assets | 13.3581% | 869 |
| Core capital (leverage) ratio | 13.9414% | 829 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $52,699,500 | 4,229 |
| Average earning assets | $49,260,000 | 4,207 |
| Average equity | $6,551,250 | 4,118 |
| Average total loans | $31,792,000 | 4,085 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3695% | 3,952 |
| Cost of funding earning assets | 1.2209% | 3,756 |
| Net interest margin | 3.1486% | 2,747 |
| Noninterest income to average assets | 0.4700% | 1,991 |
| Noninterest expense to average assets | 2.2582% | 2,914 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 0.9371% | 2,197 |
| Return on assets (ROA) | 0.9371% | 2,201 |
| Pretax return on assets | 1.1592% | 2,037 |
| Return on Equity (ROE) | 7.7200% | 2,818 |
| Retained earnings to average equity (ytd only) | 2.5127% | 3,177 |
| Net charge-offs to loans | 0.0254% | 1,645 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 77.0000% | 900 |
| Efficiency ratio | 66.0793% | 2,537 |
| Assets per employee ($millions) | 6.6680% | 2,286 |
| Cash dividends to net income (ytd only)* | 67.4699% | 931 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7780% | 3,982 |
| Loan loss allowance to noncurrent loans | 583.7209% | 1,140 |
| Noncurrent assets plus other real estate owned to assets | 0.0806% | 3,101 |
| Noncurrent loans to loans | 0.1333% | 2,978 |
| Net loans and leases to total assets | 60.0100% | 2,955 |
| Net loans and leases to deposits | 68.5988% | 3,090 |
| Net loans and leases to core deposits | 70.7423% | 3,335 |
| Total domestic deposits to total assets | 87.4800% | 1,485 |
| Equity capital to assets | 12.1344% | 1,124 |
| Core capital (leverage) ratio | 13.3179% | 983 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $53,140,333 | 4,248 |
| Average earning assets | $49,799,667 | 4,220 |
| Average equity | $6,447,333 | 4,128 |
| Average total loans | $31,460,000 | 4,104 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6356% | 3,464 |
| Cost of funding earning assets | 1.2212% | 3,688 |
| Net interest margin | 3.4144% | 2,066 |
| Noninterest income to average assets | 0.4700% | 1,919 |
| Noninterest expense to average assets | 2.4437% | 2,401 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 0.9956% | 1,944 |
| Return on assets (ROA) | 0.9956% | 1,952 |
| Pretax return on assets | 1.2294% | 1,819 |
| Return on Equity (ROE) | 8.2900% | 2,613 |
| Retained earnings to average equity (ytd only) | 8.2908% | 1,481 |
| Net charge-offs to loans | 0.0515% | 1,022 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 40.7500% | 1,053 |
| Efficiency ratio | 66.5298% | 2,556 |
| Assets per employee ($millions) | 5.4720% | 3,294 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7804% | 3,984 |
| Loan loss allowance to noncurrent loans | 108.1897% | 3,078 |
| Noncurrent assets plus other real estate owned to assets | 0.4240% | 1,459 |
| Noncurrent loans to loans | 0.7213% | 1,231 |
| Net loans and leases to total assets | 58.3200% | 3,027 |
| Net loans and leases to deposits | 66.2130% | 3,156 |
| Net loans and leases to core deposits | 68.2142% | 3,420 |
| Total domestic deposits to total assets | 88.0800% | 1,392 |
| Equity capital to assets | 11.6173% | 1,252 |
| Core capital (leverage) ratio | 10.3131% | 2,487 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $53,033,500 | 4,276 |
| Average earning assets | $49,788,500 | 4,247 |
| Average equity | $6,368,500 | 4,158 |
| Average total loans | $31,058,000 | 4,133 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9580% | 4,023 |
| Cost of funding earning assets | 0.7427% | 3,865 |
| Net interest margin | 3.2152% | 2,843 |
| Noninterest income to average assets | 0.5000% | 1,995 |
| Noninterest expense to average assets | 2.3263% | 2,782 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.9712% | 2,303 |
| Return on assets (ROA) | 0.9712% | 2,290 |
| Pretax return on assets | 1.1951% | 2,150 |
| Return on Equity (ROE) | 8.3900% | 2,918 |
| Retained earnings to average equity (ytd only) | 2.1778% | 3,542 |
| Net charge-offs to loans | 0.0035% | 2,635 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 635.0000% | 229 |
| Efficiency ratio | 66.0609% | 2,346 |
| Assets per employee ($millions) | 5.1347% | 3,532 |
| Cash dividends to net income (ytd only)* | 74.0310% | 730 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8481% | 3,862 |
| Loan loss allowance to noncurrent loans | 104.9587% | 3,198 |
| Noncurrent assets plus other real estate owned to assets | 0.4713% | 1,188 |
| Noncurrent loans to loans | 0.8080% | 957 |
| Net loans and leases to total assets | 57.8400% | 3,054 |
| Net loans and leases to deposits | 66.1772% | 3,163 |
| Net loans and leases to core deposits | 68.3114% | 3,390 |
| Total domestic deposits to total assets | 87.4000% | 1,557 |
| Equity capital to assets | 12.4253% | 1,002 |
| Core capital (leverage) ratio | 10.9285% | 2,005 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $53,132,000 | 4,289 |
| Average earning assets | $49,949,600 | 4,249 |
| Average equity | $6,153,000 | 4,149 |
| Average total loans | $28,478,200 | 4,162 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8771% | 4,029 |
| Cost of funding earning assets | 0.6184% | 3,938 |
| Net interest margin | 3.2586% | 2,782 |
| Noninterest income to average assets | 0.4800% | 2,060 |
| Noninterest expense to average assets | 2.2247% | 3,012 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.0701% | 2,149 |
| Return on assets (ROA) | 1.0701% | 2,136 |
| Pretax return on assets | 1.3189% | 1,982 |
| Return on Equity (ROE) | 9.4000% | 2,825 |
| Retained earnings to average equity (ytd only) | 5.6864% | 2,721 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 62.7809% | 2,633 |
| Assets per employee ($millions) | 6.4859% | 2,338 |
| Cash dividends to net income (ytd only)* | 39.5349% | 1,675 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8809% | 3,792 |
| Loan loss allowance to noncurrent loans | 108.0169% | 3,146 |
| Noncurrent assets plus other real estate owned to assets | 0.4568% | 1,276 |
| Noncurrent loans to loans | 0.8155% | 1,015 |
| Net loans and leases to total assets | 55.5200% | 3,247 |
| Net loans and leases to deposits | 63.3071% | 3,303 |
| Net loans and leases to core deposits | 65.3168% | 3,466 |
| Total domestic deposits to total assets | 87.6900% | 1,670 |
| Equity capital to assets | 11.8508% | 1,078 |
| Core capital (leverage) ratio | 9.6813% | 3,117 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $53,578,250 | 4,295 |
| Average earning assets | $50,449,250 | 4,261 |
| Average equity | $6,096,250 | 4,158 |
| Average total loans | $28,110,000 | 4,185 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8141% | 3,998 |
| Cost of funding earning assets | 0.5018% | 3,972 |
| Net interest margin | 3.3124% | 2,720 |
| Noninterest income to average assets | 0.4500% | 2,141 |
| Noninterest expense to average assets | 2.2090% | 3,046 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.0860% | 2,161 |
| Return on assets (ROA) | 1.0860% | 2,154 |
| Pretax return on assets | 1.3594% | 1,923 |
| Return on Equity (ROE) | 9.6700% | 2,799 |
| Retained earnings to average equity (ytd only) | 4.0798% | 3,197 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 61.9048% | 2,723 |
| Assets per employee ($millions) | 5.7852% | 2,898 |
| Cash dividends to net income (ytd only)* | 57.8231% | 1,042 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9110% | 3,745 |
| Loan loss allowance to noncurrent loans | 77.3414% | 3,450 |
| Noncurrent assets plus other real estate owned to assets | 0.6357% | 840 |
| Noncurrent loans to loans | 1.1779% | 599 |
| Net loans and leases to total assets | 53.4800% | 3,304 |
| Net loans and leases to deposits | 60.8275% | 3,367 |
| Net loans and leases to core deposits | 62.7281% | 3,508 |
| Total domestic deposits to total assets | 87.9200% | 1,636 |
| Equity capital to assets | 11.7272% | 1,123 |
| Core capital (leverage) ratio | 9.7472% | 3,007 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $54,142,000 | 4,309 |
| Average earning assets | $51,021,000 | 4,280 |
| Average equity | $6,078,667 | 4,184 |
| Average total loans | $27,792,667 | 4,200 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6755% | 4,067 |
| Cost of funding earning assets | 0.3530% | 4,065 |
| Net interest margin | 3.3225% | 2,825 |
| Noninterest income to average assets | 0.4300% | 2,210 |
| Noninterest expense to average assets | 2.1022% | 3,376 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.1454% | 2,080 |
| Return on assets (ROA) | 1.1454% | 2,053 |
| Pretax return on assets | 1.4716% | 1,727 |
| Return on Equity (ROE) | 10.4200% | 2,661 |
| Retained earnings to average equity (ytd only) | 10.4204% | 1,599 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 58.8235% | 3,088 |
| Assets per employee ($millions) | 5.9892% | 2,770 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9284% | 3,778 |
| Loan loss allowance to noncurrent loans | 87.3288% | 3,428 |
| Noncurrent assets plus other real estate owned to assets | 0.5417% | 953 |
| Noncurrent loans to loans | 1.0631% | 679 |
| Net loans and leases to total assets | 50.4900% | 3,448 |
| Net loans and leases to deposits | 57.1918% | 3,493 |
| Net loans and leases to core deposits | 58.9077% | 3,588 |
| Total domestic deposits to total assets | 88.2700% | 1,833 |
| Equity capital to assets | 11.5541% | 1,135 |
| Core capital (leverage) ratio | 9.6722% | 3,038 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $55,179,500 | 4,363 |
| Average earning assets | $52,129,500 | 4,327 |
| Average equity | $6,065,000 | 4,238 |
| Average total loans | $27,638,500 | 4,257 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1221% | 3,956 |
| Cost of funding earning assets | 0.2749% | 3,100 |
| Net interest margin | 2.8471% | 3,800 |
| Noninterest income to average assets | 0.4400% | 2,437 |
| Noninterest expense to average assets | 2.0272% | 3,509 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.8994% | 2,966 |
| Return on assets (ROA) | 0.8994% | 2,901 |
| Pretax return on assets | 1.0999% | 2,766 |
| Return on Equity (ROE) | 8.4000% | 3,281 |
| Retained earnings to average equity (ytd only) | 3.1087% | 3,688 |
| Net charge-offs to loans | 0.0302% | 1,465 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 78.8750% | 1,093 |
| Efficiency ratio | 64.8272% | 2,384 |
| Assets per employee ($millions) | 7.0570% | 1,932 |
| Cash dividends to net income (ytd only)* | 62.9845% | 856 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9170% | 3,708 |
| Loan loss allowance to noncurrent loans | 88.5417% | 3,400 |
| Noncurrent assets plus other real estate owned to assets | 0.5101% | 998 |
| Noncurrent loans to loans | 1.0356% | 701 |
| Net loans and leases to total assets | 48.8100% | 3,601 |
| Net loans and leases to deposits | 54.5375% | 3,648 |
| Net loans and leases to core deposits | 55.2638% | 3,755 |
| Total domestic deposits to total assets | 89.4900% | 1,562 |
| Equity capital to assets | 10.4542% | 1,470 |
| Core capital (leverage) ratio | 10.3501% | 2,311 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $57,371,000 | 4,364 |
| Average earning assets | $54,194,800 | 4,331 |
| Average equity | $6,144,000 | 4,313 |
| Average total loans | $26,451,000 | 4,291 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9544% | 3,973 |
| Cost of funding earning assets | 0.2744% | 2,442 |
| Net interest margin | 2.6801% | 3,966 |
| Noninterest income to average assets | 0.3500% | 3,046 |
| Noninterest expense to average assets | 1.8958% | 3,763 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.8264% | 3,151 |
| Return on assets (ROA) | 0.8264% | 3,117 |
| Pretax return on assets | 0.9907% | 3,045 |
| Return on Equity (ROE) | 7.6700% | 3,414 |
| Retained earnings to average equity (ytd only) | 4.9855% | 3,108 |
| Net charge-offs to loans | 0.0357% | 1,148 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 61.1429% | 1,161 |
| Efficiency ratio | 65.6776% | 2,325 |
| Assets per employee ($millions) | 8.0723% | 1,289 |
| Cash dividends to net income (ytd only)* | 35.0140% | 1,807 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9413% | 3,730 |
| Loan loss allowance to noncurrent loans | 85.6667% | 3,480 |
| Noncurrent assets plus other real estate owned to assets | 0.5309% | 1,017 |
| Noncurrent loans to loans | 1.0988% | 683 |
| Net loans and leases to total assets | 47.8600% | 3,640 |
| Net loans and leases to deposits | 53.5004% | 3,634 |
| Net loans and leases to core deposits | 54.2147% | 3,729 |
| Total domestic deposits to total assets | 89.4600% | 1,887 |
| Equity capital to assets | 10.2732% | 1,478 |
| Core capital (leverage) ratio | 9.8181% | 2,741 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $57,599,750 | 4,399 |
| Average earning assets | $54,425,250 | 4,365 |
| Average equity | $6,204,500 | 4,351 |
| Average total loans | $26,111,500 | 4,332 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7993% | 3,980 |
| Cost of funding earning assets | 0.2737% | 1,974 |
| Net interest margin | 2.5255% | 4,044 |
| Noninterest income to average assets | 0.4313% | 2,564 |
| Noninterest expense to average assets | 1.9633% | 3,542 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.7418% | 3,169 |
| Return on assets (ROA) | 0.7418% | 3,127 |
| Pretax return on assets | 0.8557% | 3,188 |
| Return on Equity (ROE) | 6.7848% | 3,367 |
| Retained earnings to average equity (ytd only) | 2.8402% | 3,493 |
| Net charge-offs to loans | 0.0544% | 846 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 35.4286% | 1,316 |
| Efficiency ratio | 69.6450% | 2,011 |
| Assets per employee ($millions) | 6.5732% | 2,260 |
| Cash dividends to net income (ytd only)* | 58.1395% | 1,124 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9252% | 3,879 |
| Loan loss allowance to noncurrent loans | 86.8243% | 3,484 |
| Noncurrent assets plus other real estate owned to assets | 0.5003% | 1,140 |
| Noncurrent loans to loans | 1.0656% | 778 |
| Net loans and leases to total assets | 46.5204% | 3,679 |
| Net loans and leases to deposits | 51.8980% | 3,692 |
| Net loans and leases to core deposits | 52.5591% | 3,783 |
| Total domestic deposits to total assets | 89.6381% | 1,877 |
| Equity capital to assets | 10.1743% | 1,609 |
| Core capital (leverage) ratio | 10.2234% | 2,165 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $57,964,333 | 4,436 |
| Average earning assets | $54,800,333 | 4,416 |
| Average equity | $6,337,667 | 4,381 |
| Average total loans | $25,714,667 | 4,399 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6841% | 3,979 |
| Cost of funding earning assets | 0.2802% | 1,818 |
| Net interest margin | 2.4039% | 4,062 |
| Noninterest income to average assets | 0.4044% | 2,655 |
| Noninterest expense to average assets | 1.9175% | 3,642 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.6763% | 3,138 |
| Return on assets (ROA) | 0.6763% | 3,123 |
| Pretax return on assets | 0.7600% | 3,225 |
| Return on Equity (ROE) | 5.9720% | 3,353 |
| Retained earnings to average equity (ytd only) | 5.9720% | 2,265 |
| Net charge-offs to loans | 0.1134% | 480 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 15.5714% | 1,348 |
| Efficiency ratio | 71.6146% | 2,027 |
| Assets per employee ($millions) | 6.4304% | 2,432 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9888% | 3,770 |
| Loan loss allowance to noncurrent loans | 72.3944% | 3,632 |
| Noncurrent assets plus other real estate owned to assets | 0.6134% | 973 |
| Noncurrent loans to loans | 1.3659% | 633 |
| Net loans and leases to total assets | 44.4638% | 3,709 |
| Net loans and leases to deposits | 49.9069% | 3,738 |
| Net loans and leases to core deposits | 50.5709% | 3,841 |
| Total domestic deposits to total assets | 89.0935% | 2,036 |
| Equity capital to assets | 10.7976% | 1,442 |
| Core capital (leverage) ratio | 10.3793% | 1,948 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $57,367,000 | 4,467 |
| Average earning assets | $54,246,000 | 4,441 |
| Average equity | $6,497,000 | 4,413 |
| Average total loans | $24,683,000 | 4,431 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6085% | 4,399 |
| Cost of funding earning assets | 0.3213% | 2,184 |
| Net interest margin | 2.2871% | 4,423 |
| Noninterest income to average assets | 0.6088% | 2,114 |
| Noninterest expense to average assets | 2.0951% | 3,403 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.5656% | 3,944 |
| Return on assets (ROA) | 0.5656% | 3,992 |
| Pretax return on assets | 0.6802% | 3,970 |
| Return on Equity (ROE) | 4.4286% | 4,119 |
| Retained earnings to average equity (ytd only) | 2.0157% | 3,976 |
| Net charge-offs to loans | 0.0188% | 1,904 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 90.5000% | 925 |
| Efficiency ratio | 75.4909% | 1,156 |
| Assets per employee ($millions) | 5.6860% | 3,073 |
| Cash dividends to net income (ytd only)* | 54.4850% | 1,301 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1294% | 3,233 |
| Loan loss allowance to noncurrent loans | 85.7143% | 3,546 |
| Noncurrent assets plus other real estate owned to assets | 0.5417% | 1,218 |
| Noncurrent loans to loans | 1.3176% | 713 |
| Net loans and leases to total assets | 40.6472% | 4,054 |
| Net loans and leases to deposits | 46.1658% | 4,084 |
| Net loans and leases to core deposits | 46.7977% | 4,151 |
| Total domestic deposits to total assets | 88.0461% | 2,018 |
| Equity capital to assets | 11.8625% | 1,311 |
| Core capital (leverage) ratio | 11.3198% | 1,385 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $53,218,800 | 4,533 |
| Average earning assets | $50,412,800 | 4,503 |
| Average equity | $6,796,800 | 4,445 |
| Average total loans | $21,260,800 | 4,545 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5924% | 4,506 |
| Cost of funding earning assets | 0.3281% | 2,322 |
| Net interest margin | 2.2643% | 4,516 |
| Noninterest income to average assets | 0.6525% | 1,998 |
| Noninterest expense to average assets | 2.1105% | 3,331 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.5786% | 4,043 |
| Return on assets (ROA) | 0.5786% | 4,090 |
| Pretax return on assets | 0.6882% | 4,081 |
| Return on Equity (ROE) | 4.4445% | 4,236 |
| Retained earnings to average equity (ytd only) | 3.2306% | 3,818 |
| Net charge-offs to loans | 0.0129% | 1,854 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 135.0000% | 722 |
| Efficiency ratio | 75.4098% | 1,083 |
| Assets per employee ($millions) | 5.8242% | 2,859 |
| Cash dividends to net income (ytd only)* | 27.3128% | 2,210 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1919% | 3,026 |
| Loan loss allowance to noncurrent loans | 85.8065% | 3,554 |
| Noncurrent assets plus other real estate owned to assets | 0.5323% | 1,431 |
| Noncurrent loans to loans | 1.3890% | 768 |
| Net loans and leases to total assets | 37.8627% | 4,306 |
| Net loans and leases to deposits | 43.0930% | 4,345 |
| Net loans and leases to core deposits | 43.8994% | 4,384 |
| Total domestic deposits to total assets | 87.8627% | 1,927 |
| Equity capital to assets | 11.8403% | 1,472 |
| Core capital (leverage) ratio | 12.3171% | 1,040 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $52,308,500 | 4,603 |
| Average earning assets | $49,580,500 | 4,575 |
| Average equity | $6,809,750 | 4,507 |
| Average total loans | $20,732,000 | 4,623 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5715% | 4,568 |
| Cost of funding earning assets | 0.3398% | 2,410 |
| Net interest margin | 2.2317% | 4,575 |
| Noninterest income to average assets | 0.7987% | 1,536 |
| Noninterest expense to average assets | 2.2173% | 3,025 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.5603% | 4,070 |
| Return on assets (ROA) | 0.5603% | 4,123 |
| Pretax return on assets | 0.6954% | 4,074 |
| Return on Equity (ROE) | 4.1587% | 4,305 |
| Retained earnings to average equity (ytd only) | 2.3300% | 4,042 |
| Net charge-offs to loans | 0.0198% | 1,543 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 87.5000% | 801 |
| Efficiency ratio | 76.1255% | 1,074 |
| Assets per employee ($millions) | 5.8811% | 2,732 |
| Cash dividends to net income (ytd only)* | 43.9716% | 1,429 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3280% | 2,303 |
| Loan loss allowance to noncurrent loans | 83.0721% | 3,547 |
| Noncurrent assets plus other real estate owned to assets | 0.6027% | 1,390 |
| Noncurrent loans to loans | 1.5986% | 689 |
| Net loans and leases to total assets | 37.2001% | 4,419 |
| Net loans and leases to deposits | 42.8025% | 4,431 |
| Net loans and leases to core deposits | 43.6944% | 4,462 |
| Total domestic deposits to total assets | 86.9110% | 2,375 |
| Equity capital to assets | 12.8302% | 1,006 |
| Core capital (leverage) ratio | 12.7786% | 853 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $50,330,667 | 4,649 |
| Average earning assets | $47,676,000 | 4,627 |
| Average equity | $6,781,000 | 4,529 |
| Average total loans | $20,203,333 | 4,663 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6011% | 4,572 |
| Cost of funding earning assets | 0.3531% | 2,497 |
| Net interest margin | 2.2480% | 4,569 |
| Noninterest income to average assets | 1.1585% | 903 |
| Noninterest expense to average assets | 2.2435% | 2,965 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.7995% | 3,426 |
| Return on assets (ROA) | 0.7995% | 3,496 |
| Pretax return on assets | 1.0442% | 3,245 |
| Return on Equity (ROE) | 5.7851% | 3,921 |
| Retained earnings to average equity (ytd only) | 5.7851% | 2,971 |
| Net charge-offs to loans | 0.0394% | 1,077 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 64.0000% | 795 |
| Efficiency ratio | 68.2382% | 1,903 |
| Assets per employee ($millions) | 5.8398% | 2,755 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3297% | 2,297 |
| Loan loss allowance to noncurrent loans | 84.9840% | 3,535 |
| Noncurrent assets plus other real estate owned to assets | 0.5955% | 1,605 |
| Noncurrent loans to loans | 1.5647% | 779 |
| Net loans and leases to total assets | 37.5547% | 4,434 |
| Net loans and leases to deposits | 43.2490% | 4,456 |
| Net loans and leases to core deposits | 44.0718% | 4,494 |
| Total domestic deposits to total assets | 86.8336% | 2,378 |
| Equity capital to assets | 12.9438% | 927 |
| Core capital (leverage) ratio | 13.6830% | 705 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $49,031,000 | 4,683 |
| Average earning assets | $46,441,000 | 4,654 |
| Average equity | $6,776,000 | 4,547 |
| Average total loans | $20,327,500 | 4,684 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2631% | 4,376 |
| Cost of funding earning assets | 0.4572% | 3,242 |
| Net interest margin | 2.8059% | 4,257 |
| Noninterest income to average assets | 0.5125% | 2,579 |
| Noninterest expense to average assets | 2.4074% | 3,116 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.5979% | 3,764 |
| Return on assets (ROA) | 0.5979% | 3,875 |
| Pretax return on assets | 0.7260% | 3,822 |
| Return on Equity (ROE) | 3.9557% | 4,169 |
| Retained earnings to average equity (ytd only) | 1.7251% | 3,935 |
| Net charge-offs to loans | -0.4152% | 4,942 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8293% | 1,136 |
| Assets per employee ($millions) | 5.6880% | 2,638 |
| Cash dividends to net income (ytd only)* | 56.3910% | 1,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2978% | 2,423 |
| Loan loss allowance to noncurrent loans | 82.4615% | 3,569 |
| Noncurrent assets plus other real estate owned to assets | 0.7142% | 1,457 |
| Noncurrent loans to loans | 1.5738% | 840 |
| Net loans and leases to total assets | 44.7939% | 4,208 |
| Net loans and leases to deposits | 52.6978% | 4,186 |
| Net loans and leases to core deposits | 53.5141% | 4,282 |
| Total domestic deposits to total assets | 85.0013% | 2,759 |
| Equity capital to assets | 14.8317% | 602 |
| Core capital (leverage) ratio | 14.5067% | 591 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $44,487,800 | 4,715 |
| Average earning assets | $41,555,400 | 4,698 |
| Average equity | $6,724,400 | 4,558 |
| Average total loans | $20,956,200 | 4,694 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3358% | 4,430 |
| Cost of funding earning assets | 0.4747% | 3,396 |
| Net interest margin | 2.8611% | 4,245 |
| Noninterest income to average assets | 0.5064% | 2,594 |
| Noninterest expense to average assets | 2.3993% | 3,134 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.6390% | 3,667 |
| Return on assets (ROA) | 0.6390% | 3,759 |
| Pretax return on assets | 0.7777% | 3,709 |
| Return on Equity (ROE) | 4.2073% | 4,116 |
| Retained earnings to average equity (ytd only) | 4.2073% | 2,943 |
| Net charge-offs to loans | 0.0317% | 2,196 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 51.6000% | 1,175 |
| Efficiency ratio | 75.5218% | 1,248 |
| Assets per employee ($millions) | 5.5890% | 2,633 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8312% | 4,282 |
| Loan loss allowance to noncurrent loans | 54.3210% | 3,967 |
| Noncurrent assets plus other real estate owned to assets | 0.7246% | 1,611 |
| Noncurrent loans to loans | 1.5301% | 926 |
| Net loans and leases to total assets | 46.9650% | 4,269 |
| Net loans and leases to deposits | 55.7772% | 4,272 |
| Net loans and leases to core deposits | 56.6576% | 4,355 |
| Total domestic deposits to total assets | 84.2011% | 2,754 |
| Equity capital to assets | 15.3158% | 567 |
| Core capital (leverage) ratio | 15.2392% | 505 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $44,233,750 | 4,741 |
| Average earning assets | $41,288,500 | 4,722 |
| Average equity | $6,718,250 | 4,577 |
| Average total loans | $21,032,500 | 4,724 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4090% | 4,531 |
| Cost of funding earning assets | 0.4926% | 3,581 |
| Net interest margin | 2.9165% | 4,282 |
| Noninterest income to average assets | 0.4719% | 2,702 |
| Noninterest expense to average assets | 2.3869% | 3,292 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.6353% | 3,625 |
| Return on assets (ROA) | 0.6353% | 3,710 |
| Pretax return on assets | 0.7987% | 3,589 |
| Return on Equity (ROE) | 4.1948% | 4,052 |
| Retained earnings to average equity (ytd only) | 4.1948% | 2,822 |
| Net charge-offs to loans | 0.0477% | 1,802 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 35.2000% | 1,328 |
| Efficiency ratio | 74.9288% | 1,374 |
| Assets per employee ($millions) | 4.4469% | 3,858 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8251% | 4,274 |
| Loan loss allowance to noncurrent loans | 52.2255% | 4,023 |
| Noncurrent assets plus other real estate owned to assets | 0.7578% | 1,634 |
| Noncurrent loans to loans | 1.5798% | 942 |
| Net loans and leases to total assets | 47.5747% | 4,281 |
| Net loans and leases to deposits | 56.3934% | 4,279 |
| Net loans and leases to core deposits | 57.2868% | 4,386 |
| Total domestic deposits to total assets | 84.3621% | 2,607 |
| Equity capital to assets | 15.2196% | 584 |
| Core capital (leverage) ratio | 15.4313% | 508 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $44,074,333 | 4,765 |
| Average earning assets | $41,008,667 | 4,748 |
| Average equity | $6,675,000 | 4,606 |
| Average total loans | $20,985,000 | 4,752 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5989% | 4,525 |
| Cost of funding earning assets | 0.5015% | 3,938 |
| Net interest margin | 3.0974% | 4,101 |
| Noninterest income to average assets | 0.4832% | 2,641 |
| Noninterest expense to average assets | 2.3611% | 3,622 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.7567% | 3,070 |
| Return on assets (ROA) | 0.7567% | 3,146 |
| Pretax return on assets | 0.9937% | 2,861 |
| Return on Equity (ROE) | 5.0087% | 3,628 |
| Retained earnings to average equity (ytd only) | 5.0087% | 2,274 |
| Net charge-offs to loans | 0.0384% | 1,656 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 54.5000% | 845 |
| Efficiency ratio | 70.3804% | 2,296 |
| Assets per employee ($millions) | 5.3489% | 2,275 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8600% | 4,247 |
| Loan loss allowance to noncurrent loans | 56.1514% | 3,981 |
| Noncurrent assets plus other real estate owned to assets | 0.7408% | 1,820 |
| Noncurrent loans to loans | 1.5316% | 1,036 |
| Net loans and leases to total assets | 47.9517% | 4,339 |
| Net loans and leases to deposits | 57.0559% | 4,319 |
| Net loans and leases to core deposits | 57.9944% | 4,434 |
| Total domestic deposits to total assets | 84.0434% | 2,775 |
| Equity capital to assets | 15.5804% | 657 |
| Core capital (leverage) ratio | 15.2783% | 630 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $43,877,000 | 4,800 |
| Average earning assets | $40,679,000 | 4,784 |
| Average equity | $6,628,500 | 4,645 |
| Average total loans | $20,811,500 | 4,790 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7952% | 4,575 |
| Cost of funding earning assets | 0.4351% | 4,320 |
| Net interest margin | 3.3601% | 3,851 |
| Noninterest income to average assets | 0.5675% | 2,386 |
| Noninterest expense to average assets | 2.3668% | 3,779 |
| Loan and lease loss provision to assets | 0.0132% | 3,752 |
| Net operating income to assets | 1.0536% | 2,642 |
| Return on assets (ROA) | 1.0536% | 2,735 |
| Pretax return on assets | 1.3132% | 2,461 |
| Return on Equity (ROE) | 7.3674% | 3,416 |
| Retained earnings to average equity (ytd only) | 2.3379% | 3,855 |
| Net charge-offs to loans | 0.0048% | 3,504 |
| Credit loss provision to net charge-offs | 600.0000% | 512 |
| Earnings coverage of net charge-offs (x) | 603.0000% | 166 |
| Efficiency ratio | 64.0858% | 3,063 |
| Assets per employee ($millions) | 5.6204% | 1,953 |
| Cash dividends to net income (ytd only)* | 68.2672% | 1,205 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8650% | 4,105 |
| Loan loss allowance to noncurrent loans | 70.9804% | 3,745 |
| Noncurrent assets plus other real estate owned to assets | 0.5671% | 2,186 |
| Noncurrent loans to loans | 1.2186% | 1,228 |
| Net loans and leases to total assets | 46.1379% | 4,513 |
| Net loans and leases to deposits | 54.2353% | 4,522 |
| Net loans and leases to core deposits | 55.0703% | 4,619 |
| Total domestic deposits to total assets | 85.0699% | 2,465 |
| Equity capital to assets | 14.6565% | 881 |
| Core capital (leverage) ratio | 14.8247% | 725 |
| Tier 1 risk-based capital ratio | 47.5777% | 153 |
| Total risk-based capital ratio | 48.8232% | 148 |
| Memoranda: | ||
| Average total assets | $45,462,000 | 4,822 |
| Average earning assets | $42,290,600 | 4,811 |
| Average equity | $6,501,600 | 4,696 |
| Average total loans | $20,903,600 | 4,841 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8133% | 4,660 |
| Cost of funding earning assets | 0.4212% | 4,430 |
| Net interest margin | 3.3920% | 3,880 |
| Noninterest income to average assets | 0.5820% | 2,302 |
| Noninterest expense to average assets | 2.3574% | 3,803 |
| Loan and lease loss provision to assets | 0.0175% | 3,561 |
| Net operating income to assets | 1.1114% | 2,533 |
| Return on assets (ROA) | 1.1114% | 2,618 |
| Pretax return on assets | 1.3629% | 2,448 |
| Return on Equity (ROE) | 7.8193% | 3,376 |
| Retained earnings to average equity (ytd only) | 4.3829% | 3,205 |
| Net charge-offs to loans | 0.0064% | 3,156 |
| Credit loss provision to net charge-offs | 600.0000% | 537 |
| Earnings coverage of net charge-offs (x) | 473.1729% | 209 |
| Efficiency ratio | 63.0673% | 3,148 |
| Assets per employee ($millions) | 4.4787% | 3,246 |
| Cash dividends to net income (ytd only)* | 43.9475% | 1,978 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8755% | 4,135 |
| Loan loss allowance to noncurrent loans | 48.5255% | 4,196 |
| Noncurrent assets plus other real estate owned to assets | 0.8328% | 1,653 |
| Noncurrent loans to loans | 1.8041% | 791 |
| Net loans and leases to total assets | 45.7588% | 4,613 |
| Net loans and leases to deposits | 54.0667% | 4,623 |
| Net loans and leases to core deposits | 54.8893% | 4,720 |
| Total domestic deposits to total assets | 84.6339% | 2,562 |
| Equity capital to assets | 14.8302% | 897 |
| Core capital (leverage) ratio | 14.8957% | 761 |
| Tier 1 risk-based capital ratio | 48.2213% | 148 |
| Total risk-based capital ratio | 49.4700% | 148 |
| Memoranda: | ||
| Average total assets | $45,586,750 | 4,891 |
| Average earning assets | $42,412,250 | 4,875 |
| Average equity | $6,479,500 | 4,758 |
| Average total loans | $20,898,000 | 4,914 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7149% | 4,817 |
| Cost of funding earning assets | 0.4076% | 4,478 |
| Net interest margin | 3.3073% | 4,124 |
| Noninterest income to average assets | 0.5932% | 2,183 |
| Noninterest expense to average assets | 2.3771% | 3,798 |
| Loan and lease loss provision to assets | 0.0262% | 3,296 |
| Net operating income to assets | 1.0163% | 2,857 |
| Return on assets (ROA) | 1.0163% | 2,939 |
| Pretax return on assets | 1.2693% | 2,677 |
| Return on Equity (ROE) | 7.2525% | 3,580 |
| Retained earnings to average equity (ytd only) | 2.0544% | 4,093 |
| Net charge-offs to loans | 0.0095% | 2,793 |
| Credit loss provision to net charge-offs | 600.0000% | 523 |
| Earnings coverage of net charge-offs (x) | 297.0000% | 268 |
| Efficiency ratio | 64.7268% | 3,014 |
| Assets per employee ($millions) | 4.4585% | 3,208 |
| Cash dividends to net income (ytd only)* | 71.6738% | 1,049 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8684% | 4,204 |
| Loan loss allowance to noncurrent loans | 74.1803% | 3,761 |
| Noncurrent assets plus other real estate owned to assets | 0.5473% | 2,367 |
| Noncurrent loans to loans | 1.1707% | 1,379 |
| Net loans and leases to total assets | 46.3407% | 4,629 |
| Net loans and leases to deposits | 54.5390% | 4,663 |
| Net loans and leases to core deposits | 55.3810% | 4,734 |
| Total domestic deposits to total assets | 84.9680% | 2,491 |
| Equity capital to assets | 14.6125% | 917 |
| Core capital (leverage) ratio | 14.2340% | 896 |
| Tier 1 risk-based capital ratio | 44.0693% | 184 |
| Total risk-based capital ratio | 45.2989% | 183 |
| Memoranda: | ||
| Average total assets | $45,853,330 | 4,931 |
| Average earning assets | $42,693,330 | 4,916 |
| Average equity | $6,425,330 | 4,789 |
| Average total loans | $20,972,330 | 4,956 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6084% | 4,962 |
| Cost of funding earning assets | 0.3876% | 4,539 |
| Net interest margin | 3.2208% | 4,344 |
| Noninterest income to average assets | 0.6281% | 1,923 |
| Noninterest expense to average assets | 2.3318% | 3,945 |
| Loan and lease loss provision to assets | 0.0516% | 2,623 |
| Net operating income to assets | 0.9895% | 2,886 |
| Return on assets (ROA) | 0.9895% | 2,923 |
| Pretax return on assets | 1.2476% | 2,640 |
| Return on Equity (ROE) | 7.2095% | 3,588 |
| Retained earnings to average equity (ytd only) | 7.2095% | 1,965 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2180% | 3,200 |
| Assets per employee ($millions) | 4.6529% | 2,980 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8736% | 4,263 |
| Loan loss allowance to noncurrent loans | 2,022.2222% | 321 |
| Noncurrent assets plus other real estate owned to assets | 0.0193% | 4,766 |
| Noncurrent loans to loans | 0.0432% | 4,570 |
| Net loans and leases to total assets | 44.3852% | 4,733 |
| Net loans and leases to deposits | 51.7802% | 4,760 |
| Net loans and leases to core deposits | 53.4735% | 4,802 |
| Total domestic deposits to total assets | 85.7186% | 2,399 |
| Equity capital to assets | 13.9719% | 1,047 |
| Core capital (leverage) ratio | 14.2114% | 895 |
| Tier 1 risk-based capital ratio | 45.8038% | 163 |
| Total risk-based capital ratio | 47.0799% | 161 |
| Memoranda: | ||
| Average total assets | $46,487,500 | 4,968 |
| Average earning assets | $43,343,500 | 4,954 |
| Average equity | $6,380,500 | 4,830 |
| Average total loans | $21,037,500 | 5,012 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6651% | 4,717 |
| Cost of funding earning assets | 0.3011% | 4,567 |
| Net interest margin | 3.3640% | 4,092 |
| Noninterest income to average assets | 0.5352% | 2,635 |
| Noninterest expense to average assets | 2.3662% | 3,965 |
| Loan and lease loss provision to assets | 0.1820% | 1,074 |
| Net operating income to assets | 0.9014% | 3,432 |
| Return on assets (ROA) | 0.9014% | 3,427 |
| Pretax return on assets | 1.1094% | 3,231 |
| Return on Equity (ROE) | 6.7303% | 3,918 |
| Retained earnings to average equity (ytd only) | 2.3621% | 4,197 |
| Net charge-offs to loans | 0.4182% | 439 |
| Credit loss provision to net charge-offs | 94.3820% | 2,658 |
| Earnings coverage of net charge-offs (x) | 6.6966% | 3,061 |
| Efficiency ratio | 64.6919% | 3,087 |
| Assets per employee ($millions) | 4.6446% | 2,968 |
| Cash dividends to net income (ytd only)* | 64.9038% | 1,280 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8286% | 4,437 |
| Loan loss allowance to noncurrent loans | 110.6918% | 3,259 |
| Noncurrent assets plus other real estate owned to assets | 0.4478% | 2,774 |
| Noncurrent loans to loans | 0.7486% | 2,124 |
| Net loans and leases to total assets | 45.3537% | 4,766 |
| Net loans and leases to deposits | 52.4932% | 4,807 |
| Net loans and leases to core deposits | 54.1990% | 4,840 |
| Total domestic deposits to total assets | 86.3993% | 2,055 |
| Equity capital to assets | 13.4780% | 1,153 |
| Core capital (leverage) ratio | 13.9405% | 936 |
| Tier 1 risk-based capital ratio | 44.0964% | 185 |
| Total risk-based capital ratio | 45.3053% | 183 |
| Memoranda: | ||
| Average total assets | $46,149,400 | 5,016 |
| Average earning assets | $42,836,000 | 4,999 |
| Average equity | $6,181,000 | 4,867 |
| Average total loans | $21,284,000 | 5,046 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6362% | 4,742 |
| Cost of funding earning assets | 0.2804% | 4,630 |
| Net interest margin | 3.3558% | 4,145 |
| Noninterest income to average assets | 0.5353% | 2,644 |
| Noninterest expense to average assets | 2.3844% | 3,887 |
| Loan and lease loss provision to assets | 0.2431% | 648 |
| Net operating income to assets | 0.8218% | 3,835 |
| Return on assets (ROA) | 0.8218% | 3,848 |
| Pretax return on assets | 1.0244% | 3,650 |
| Return on Equity (ROE) | 6.1458% | 4,228 |
| Retained earnings to average equity (ytd only) | 4.1982% | 3,676 |
| Net charge-offs to loans | 0.5572% | 268 |
| Credit loss provision to net charge-offs | 94.3820% | 2,372 |
| Earnings coverage of net charge-offs (x) | 4.9215% | 3,011 |
| Efficiency ratio | 65.2932% | 2,987 |
| Assets per employee ($millions) | 5.7813% | 1,661 |
| Cash dividends to net income (ytd only)* | 31.6907% | 2,460 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8070% | 4,590 |
| Loan loss allowance to noncurrent loans | 91.1917% | 3,610 |
| Noncurrent assets plus other real estate owned to assets | 0.4843% | 2,753 |
| Noncurrent loans to loans | 0.8849% | 1,928 |
| Net loans and leases to total assets | 46.7762% | 4,765 |
| Net loans and leases to deposits | 54.2301% | 4,814 |
| Net loans and leases to core deposits | 55.5487% | 4,856 |
| Total domestic deposits to total assets | 86.2551% | 2,078 |
| Equity capital to assets | 13.4443% | 1,156 |
| Core capital (leverage) ratio | 13.0986% | 1,239 |
| Tier 1 risk-based capital ratio | 39.4190% | 242 |
| Total risk-based capital ratio | 40.5943% | 241 |
| Memoranda: | ||
| Average total assets | $46,075,250 | 5,066 |
| Average earning assets | $42,790,500 | 5,055 |
| Average equity | $6,161,250 | 4,926 |
| Average total loans | $21,294,750 | 5,106 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6457% | 4,691 |
| Cost of funding earning assets | 0.2714% | 4,624 |
| Net interest margin | 3.3742% | 4,038 |
| Noninterest income to average assets | 0.5433% | 2,608 |
| Noninterest expense to average assets | 2.4339% | 3,810 |
| Loan and lease loss provision to assets | 0.3651% | 350 |
| Net operating income to assets | 0.6737% | 4,271 |
| Return on assets (ROA) | 0.6737% | 4,276 |
| Pretax return on assets | 0.8779% | 4,032 |
| Return on Equity (ROE) | 5.0469% | 4,537 |
| Retained earnings to average equity (ytd only) | 2.1165% | 4,422 |
| Net charge-offs to loans | 0.7669% | 184 |
| Credit loss provision to net charge-offs | 103.7037% | 1,965 |
| Earnings coverage of net charge-offs (x) | 3.5309% | 2,869 |
| Efficiency ratio | 66.1939% | 2,941 |
| Assets per employee ($millions) | 4.5394% | 3,069 |
| Cash dividends to net income (ytd only)* | 58.0645% | 1,393 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8667% | 4,488 |
| Loan loss allowance to noncurrent loans | 108.2353% | 3,317 |
| Noncurrent assets plus other real estate owned to assets | 0.4142% | 3,067 |
| Noncurrent loans to loans | 0.8008% | 2,128 |
| Net loans and leases to total assets | 46.3608% | 4,804 |
| Net loans and leases to deposits | 53.7548% | 4,854 |
| Net loans and leases to core deposits | 55.0873% | 4,894 |
| Total domestic deposits to total assets | 86.2449% | 2,169 |
| Equity capital to assets | 13.5150% | 1,099 |
| Core capital (leverage) ratio | 12.8372% | 1,304 |
| Tier 1 risk-based capital ratio | 39.7442% | 231 |
| Total risk-based capital ratio | 39.7442% | 249 |
| Memoranda: | ||
| Average total assets | $46,017,000 | 5,122 |
| Average earning assets | $42,735,670 | 5,113 |
| Average equity | $6,142,330 | 4,983 |
| Average total loans | $21,123,000 | 5,171 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5344% | 4,818 |
| Cost of funding earning assets | 0.2783% | 4,521 |
| Net interest margin | 3.2561% | 4,297 |
| Noninterest income to average assets | 0.6044% | 2,237 |
| Noninterest expense to average assets | 2.5039% | 3,631 |
| Loan and lease loss provision to assets | 0.7253% | 132 |
| Net operating income to assets | 0.2158% | 5,224 |
| Return on assets (ROA) | 0.2158% | 5,223 |
| Pretax return on assets | 0.4058% | 5,028 |
| Return on Equity (ROE) | 1.6271% | 5,231 |
| Retained earnings to average equity (ytd only) | 1.6271% | 4,453 |
| Net charge-offs to loans | 1.9744% | 61 |
| Credit loss provision to net charge-offs | 80.7692% | 1,744 |
| Earnings coverage of net charge-offs (x) | 1.2596% | 2,576 |
| Efficiency ratio | 68.8836% | 2,684 |
| Assets per employee ($millions) | 4.6394% | 2,947 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7577% | 4,899 |
| Loan loss allowance to noncurrent loans | 24.3570% | 4,874 |
| Noncurrent assets plus other real estate owned to assets | 1.4248% | 1,005 |
| Noncurrent loans to loans | 3.1107% | 374 |
| Net loans and leases to total assets | 45.4542% | 4,821 |
| Net loans and leases to deposits | 52.4421% | 4,865 |
| Net loans and leases to core deposits | 54.1079% | 4,911 |
| Total domestic deposits to total assets | 86.6750% | 2,247 |
| Equity capital to assets | 13.1547% | 1,170 |
| Core capital (leverage) ratio | 12.9801% | 1,186 |
| Tier 1 risk-based capital ratio | 38.7298% | 243 |
| Total risk-based capital ratio | 39.8945% | 243 |
| Memoranda: | ||
| Average total assets | $46,328,500 | 5,179 |
| Average earning assets | $43,119,000 | 5,161 |
| Average equity | $6,146,000 | 5,034 |
| Average total loans | $21,070,000 | 5,229 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2851% | 5,098 |
| Cost of funding earning assets | 0.2640% | 4,451 |
| Net interest margin | 3.0212% | 4,839 |
| Noninterest income to average assets | 0.5544% | 2,688 |
| Noninterest expense to average assets | 2.2755% | 4,400 |
| Loan and lease loss provision to assets | 0.1241% | 1,842 |
| Net operating income to assets | 0.7741% | 3,279 |
| Return on assets (ROA) | 0.7840% | 3,269 |
| Pretax return on assets | 0.9847% | 3,633 |
| Return on Equity (ROE) | 6.1313% | 3,702 |
| Retained earnings to average equity (ytd only) | 2.6531% | 3,739 |
| Net charge-offs to loans | 0.7088% | 298 |
| Credit loss provision to net charge-offs | 42.8571% | 3,413 |
| Earnings coverage of net charge-offs (x) | 3.7857% | 3,557 |
| Efficiency ratio | 67.4847% | 3,000 |
| Assets per employee ($millions) | 4.6263% | 2,989 |
| Cash dividends to net income (ytd only)* | 56.7282% | 1,923 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8664% | 4,603 |
| Loan loss allowance to noncurrent loans | 34.0866% | 4,791 |
| Noncurrent assets plus other real estate owned to assets | 1.3704% | 1,033 |
| Noncurrent loans to loans | 2.5418% | 519 |
| Net loans and leases to total assets | 44.7658% | 4,944 |
| Net loans and leases to deposits | 51.7815% | 4,997 |
| Net loans and leases to core deposits | 53.4328% | 5,020 |
| Total domestic deposits to total assets | 86.4514% | 2,252 |
| Equity capital to assets | 13.3779% | 1,107 |
| Core capital (leverage) ratio | 13.6771% | 916 |
| Tier 1 risk-based capital ratio | 41.7671% | 190 |
| Total risk-based capital ratio | 42.9722% | 187 |
| Memoranda: | ||
| Average total assets | $48,340,000 | 5,188 |
| Average earning assets | $45,082,000 | 5,170 |
| Average equity | $6,181,400 | 5,071 |
| Average total loans | $19,752,200 | 5,323 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1792% | 5,255 |
| Cost of funding earning assets | 0.2571% | 4,505 |
| Net interest margin | 2.9220% | 5,062 |
| Noninterest income to average assets | 0.5758% | 2,601 |
| Noninterest expense to average assets | 2.2404% | 4,446 |
| Loan and lease loss provision to assets | 0.1419% | 1,491 |
| Net operating income to assets | 0.6877% | 4,037 |
| Return on assets (ROA) | 0.6959% | 4,072 |
| Pretax return on assets | 0.9333% | 3,924 |
| Return on Equity (ROE) | 5.5019% | 4,318 |
| Retained earnings to average equity (ytd only) | 3.5600% | 3,794 |
| Net charge-offs to loans | 0.8835% | 206 |
| Credit loss provision to net charge-offs | 40.3101% | 2,998 |
| Earnings coverage of net charge-offs (x) | 3.0232% | 3,390 |
| Efficiency ratio | 67.7952% | 2,913 |
| Assets per employee ($millions) | 4.5709% | 3,011 |
| Cash dividends to net income (ytd only)* | 35.2952% | 2,501 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9331% | 4,416 |
| Loan loss allowance to noncurrent loans | 30.4636% | 4,931 |
| Noncurrent assets plus other real estate owned to assets | 1.5402% | 973 |
| Noncurrent loans to loans | 3.0630% | 403 |
| Net loans and leases to total assets | 42.7378% | 5,088 |
| Net loans and leases to deposits | 49.8876% | 5,130 |
| Net loans and leases to core deposits | 51.5136% | 5,153 |
| Total domestic deposits to total assets | 85.6680% | 2,445 |
| Equity capital to assets | 13.7697% | 1,057 |
| Core capital (leverage) ratio | 13.2928% | 1,109 |
| Tier 1 risk-based capital ratio | 37.7482% | 264 |
| Total risk-based capital ratio | 38.8555% | 263 |
| Memoranda: | ||
| Average total assets | $48,859,250 | 5,237 |
| Average earning assets | $45,629,000 | 5,214 |
| Average equity | $6,179,500 | 5,129 |
| Average total loans | $19,467,500 | 5,386 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0709% | 5,375 |
| Cost of funding earning assets | 0.2741% | 4,341 |
| Net interest margin | 2.7968% | 5,251 |
| Noninterest income to average assets | 0.5250% | 2,860 |
| Noninterest expense to average assets | 2.1880% | 4,580 |
| Loan and lease loss provision to assets | 0.2084% | 855 |
| Net operating income to assets | 0.5846% | 4,372 |
| Return on assets (ROA) | 0.5971% | 4,364 |
| Pretax return on assets | 0.7614% | 4,400 |
| Return on Equity (ROE) | 4.8524% | 4,534 |
| Retained earnings to average equity (ytd only) | 1.9214% | 4,483 |
| Net charge-offs to loans | 1.3310% | 137 |
| Credit loss provision to net charge-offs | 40.3101% | 2,643 |
| Earnings coverage of net charge-offs (x) | 1.8450% | 3,236 |
| Efficiency ratio | 69.6429% | 2,741 |
| Assets per employee ($millions) | 4.7557% | 2,709 |
| Cash dividends to net income (ytd only)* | 60.4027% | 1,480 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9180% | 4,565 |
| Loan loss allowance to noncurrent loans | 42.0091% | 4,759 |
| Noncurrent assets plus other real estate owned to assets | 1.0955% | 1,595 |
| Noncurrent loans to loans | 2.1852% | 742 |
| Net loans and leases to total assets | 41.7604% | 5,153 |
| Net loans and leases to deposits | 48.2566% | 5,205 |
| Net loans and leases to core deposits | 50.7047% | 5,195 |
| Total domestic deposits to total assets | 86.5383% | 2,156 |
| Equity capital to assets | 13.0412% | 1,356 |
| Core capital (leverage) ratio | 12.6880% | 1,300 |
| Tier 1 risk-based capital ratio | 32.5832% | 383 |
| Total risk-based capital ratio | 33.5552% | 382 |
| Memoranda: | ||
| Average total assets | $49,909,330 | 5,250 |
| Average earning assets | $46,695,670 | 5,223 |
| Average equity | $6,141,330 | 5,166 |
| Average total loans | $19,383,670 | 5,430 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7482% | 5,622 |
| Cost of funding earning assets | 0.2673% | 4,383 |
| Net interest margin | 2.4809% | 5,564 |
| Noninterest income to average assets | 0.5168% | 2,857 |
| Noninterest expense to average assets | 2.0906% | 4,873 |
| Loan and lease loss provision to assets | 0.4072% | 273 |
| Net operating income to assets | 0.3054% | 5,179 |
| Return on assets (ROA) | 0.3054% | 5,200 |
| Pretax return on assets | 0.3445% | 5,240 |
| Return on Equity (ROE) | 2.5528% | 5,214 |
| Retained earnings to average equity (ytd only) | 2.5528% | 4,117 |
| Net charge-offs to loans | 2.7292% | 63 |
| Credit loss provision to net charge-offs | 40.0000% | 2,060 |
| Earnings coverage of net charge-offs (x) | 0.7385% | 2,801 |
| Efficiency ratio | 73.5537% | 2,311 |
| Assets per employee ($millions) | 5.0165% | 2,423 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9662% | 4,464 |
| Loan loss allowance to noncurrent loans | 44.7433% | 4,758 |
| Noncurrent assets plus other real estate owned to assets | 0.9429% | 1,950 |
| Noncurrent loans to loans | 2.1595% | 793 |
| Net loans and leases to total assets | 37.3906% | 5,353 |
| Net loans and leases to deposits | 42.7452% | 5,393 |
| Net loans and leases to core deposits | 44.8786% | 5,391 |
| Total domestic deposits to total assets | 87.4733% | 1,997 |
| Equity capital to assets | 12.2615% | 1,678 |
| Core capital (leverage) ratio | 12.0456% | 1,597 |
| Tier 1 risk-based capital ratio | 33.6324% | 363 |
| Total risk-based capital ratio | 34.6337% | 364 |
| Memoranda: | ||
| Average total assets | $51,085,500 | 5,291 |
| Average earning assets | $47,885,500 | 5,251 |
| Average equity | $6,111,000 | 5,219 |
| Average total loans | $19,053,500 | 5,496 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8941% | 5,584 |
| Cost of funding earning assets | 0.3160% | 3,892 |
| Net interest margin | 2.5781% | 5,538 |
| Noninterest income to average assets | 0.5084% | 3,180 |
| Noninterest expense to average assets | 2.1787% | 4,824 |
| Loan and lease loss provision to assets | 0.1021% | 2,340 |
| Net operating income to assets | 0.4859% | 4,689 |
| Return on assets (ROA) | 0.4921% | 4,737 |
| Pretax return on assets | 0.6514% | 4,655 |
| Return on Equity (ROE) | 3.9068% | 4,866 |
| Retained earnings to average equity (ytd only) | 1.6373% | 4,598 |
| Net charge-offs to loans | 0.0278% | 3,474 |
| Credit loss provision to net charge-offs | 1,000.0000% | 376 |
| Earnings coverage of net charge-offs (x) | 73.0000% | 766 |
| Efficiency ratio | 74.5112% | 2,222 |
| Assets per employee ($millions) | 5.2006% | 2,170 |
| Cash dividends to net income (ytd only)* | 58.0913% | 1,878 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3617% | 2,258 |
| Loan loss allowance to noncurrent loans | 372.8571% | 1,350 |
| Noncurrent assets plus other real estate owned to assets | 0.1346% | 4,775 |
| Noncurrent loans to loans | 0.3652% | 3,816 |
| Net loans and leases to total assets | 36.3535% | 5,474 |
| Net loans and leases to deposits | 41.2435% | 5,508 |
| Net loans and leases to core deposits | 43.8593% | 5,490 |
| Total domestic deposits to total assets | 88.1437% | 1,566 |
| Equity capital to assets | 11.6737% | 2,024 |
| Core capital (leverage) ratio | 12.4643% | 1,348 |
| Tier 1 risk-based capital ratio | 32.9504% | 374 |
| Total risk-based capital ratio | 34.2017% | 371 |
| Memoranda: | ||
| Average total assets | $48,973,400 | 5,369 |
| Average earning assets | $45,886,400 | 5,334 |
| Average equity | $6,168,800 | 5,251 |
| Average total loans | $17,976,800 | 5,576 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9382% | 5,620 |
| Cost of funding earning assets | 0.3278% | 3,799 |
| Net interest margin | 2.6104% | 5,579 |
| Noninterest income to average assets | 0.4950% | 3,292 |
| Noninterest expense to average assets | 2.1901% | 4,795 |
| Loan and lease loss provision to assets | 0.0691% | 2,839 |
| Net operating income to assets | 0.5088% | 4,667 |
| Return on assets (ROA) | 0.5171% | 4,737 |
| Pretax return on assets | 0.6913% | 4,632 |
| Return on Equity (ROE) | 4.0258% | 4,887 |
| Retained earnings to average equity (ytd only) | 3.1647% | 4,016 |
| Net charge-offs to loans | 0.0075% | 3,654 |
| Credit loss provision to net charge-offs | 2,500.0000% | 197 |
| Earnings coverage of net charge-offs (x) | 271.6692% | 297 |
| Efficiency ratio | 74.5061% | 2,191 |
| Assets per employee ($millions) | 4.7116% | 2,725 |
| Cash dividends to net income (ytd only)* | 21.3893% | 3,165 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3460% | 2,457 |
| Loan loss allowance to noncurrent loans | 328.7671% | 1,506 |
| Noncurrent assets plus other real estate owned to assets | 0.1825% | 4,710 |
| Noncurrent loans to loans | 0.4094% | 3,809 |
| Net loans and leases to total assets | 37.3334% | 5,496 |
| Net loans and leases to deposits | 43.4149% | 5,533 |
| Net loans and leases to core deposits | 45.3573% | 5,537 |
| Total domestic deposits to total assets | 85.9920% | 2,352 |
| Equity capital to assets | 13.3437% | 1,324 |
| Core capital (leverage) ratio | 12.7041% | 1,308 |
| Tier 1 risk-based capital ratio | 37.4012% | 274 |
| Total risk-based capital ratio | 38.6532% | 272 |
| Memoranda: | ||
| Average total assets | $48,215,250 | 5,434 |
| Average earning assets | $45,151,250 | 5,410 |
| Average equity | $6,193,250 | 5,300 |
| Average total loans | $17,679,250 | 5,643 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9142% | 5,723 |
| Cost of funding earning assets | 0.3297% | 3,799 |
| Net interest margin | 2.5845% | 5,681 |
| Noninterest income to average assets | 0.4652% | 3,428 |
| Noninterest expense to average assets | 2.0749% | 5,110 |
| Loan and lease loss provision to assets | 0.1029% | 2,126 |
| Net operating income to assets | 0.5352% | 4,542 |
| Return on assets (ROA) | 0.5352% | 4,650 |
| Pretax return on assets | 0.7081% | 4,590 |
| Return on Equity (ROE) | 4.2194% | 4,831 |
| Retained earnings to average equity (ytd only) | 2.9211% | 4,053 |
| Net charge-offs to loans | -0.0340% | 5,188 |
| Credit loss provision to net charge-offs | -833.3333% | 5,049 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8973% | 2,672 |
| Assets per employee ($millions) | 4.9174% | 2,391 |
| Cash dividends to net income (ytd only)* | 30.7692% | 2,808 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3741% | 2,415 |
| Loan loss allowance to noncurrent loans | 697.1429% | 807 |
| Noncurrent assets plus other real estate owned to assets | 0.0712% | 5,262 |
| Noncurrent loans to loans | 0.1971% | 4,653 |
| Net loans and leases to total assets | 35.6143% | 5,625 |
| Net loans and leases to deposits | 41.0988% | 5,651 |
| Net loans and leases to core deposits | 42.8411% | 5,654 |
| Total domestic deposits to total assets | 86.6555% | 2,080 |
| Equity capital to assets | 12.7303% | 1,647 |
| Core capital (leverage) ratio | 12.3890% | 1,409 |
| Tier 1 risk-based capital ratio | 25.4864% | 770 |
| Total risk-based capital ratio | 26.5206% | 773 |
| Memoranda: | ||
| Average total assets | $48,581,670 | 5,490 |
| Average earning assets | $45,501,330 | 5,461 |
| Average equity | $6,162,000 | 5,358 |
| Average total loans | $17,629,000 | 5,711 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9612% | 5,724 |
| Cost of funding earning assets | 0.3271% | 3,876 |
| Net interest margin | 2.6341% | 5,687 |
| Noninterest income to average assets | 0.4225% | 3,666 |
| Noninterest expense to average assets | 2.1207% | 5,071 |
| Loan and lease loss provision to assets | 0.1243% | 1,703 |
| Net operating income to assets | 0.4391% | 4,865 |
| Return on assets (ROA) | 0.4391% | 4,948 |
| Pretax return on assets | 0.6462% | 4,685 |
| Return on Equity (ROE) | 3.4680% | 5,078 |
| Retained earnings to average equity (ytd only) | 3.4680% | 3,766 |
| Net charge-offs to loans | -0.0683% | 5,479 |
| Credit loss provision to net charge-offs | -500.0000% | 4,551 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3524% | 2,582 |
| Assets per employee ($millions) | 4.8127% | 2,565 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3629% | 2,593 |
| Loan loss allowance to noncurrent loans | 360.0000% | 1,369 |
| Noncurrent assets plus other real estate owned to assets | 0.1974% | 4,773 |
| Noncurrent loans to loans | 0.3786% | 4,080 |
| Net loans and leases to total assets | 35.1881% | 5,668 |
| Net loans and leases to deposits | 40.5745% | 5,694 |
| Net loans and leases to core deposits | 42.3301% | 5,702 |
| Total domestic deposits to total assets | 86.7247% | 2,345 |
| Equity capital to assets | 12.8015% | 1,510 |
| Core capital (leverage) ratio | 12.5893% | 1,303 |
| Tier 1 risk-based capital ratio | 19.6690% | 1,577 |
| Total risk-based capital ratio | 20.4284% | 1,657 |
| Memoranda: | ||
| Average total assets | $48,285,500 | 5,542 |
| Average earning assets | $45,252,500 | 5,516 |
| Average equity | $6,113,000 | 5,400 |
| Average total loans | $17,565,000 | 5,766 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0412% | 5,697 |
| Cost of funding earning assets | 0.4018% | 3,137 |
| Net interest margin | 2.6395% | 5,721 |
| Noninterest income to average assets | 0.5423% | 3,060 |
| Noninterest expense to average assets | 2.2235% | 4,997 |
| Loan and lease loss provision to assets | 0.1989% | 1,086 |
| Net operating income to assets | 0.4878% | 4,744 |
| Return on assets (ROA) | 0.4878% | 4,831 |
| Pretax return on assets | 0.5820% | 4,893 |
| Return on Equity (ROE) | 3.8773% | 4,998 |
| Retained earnings to average equity (ytd only) | 2.2132% | 4,461 |
| Net charge-offs to loans | 0.7352% | 321 |
| Credit loss provision to net charge-offs | 67.8571% | 3,160 |
| Earnings coverage of net charge-offs (x) | 2.6643% | 3,853 |
| Efficiency ratio | 74.0070% | 2,575 |
| Assets per employee ($millions) | 6.0555% | 1,342 |
| Cash dividends to net income (ytd only)* | 42.9185% | 2,704 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2026% | 3,467 |
| Loan loss allowance to noncurrent loans | 284.2105% | 1,730 |
| Noncurrent assets plus other real estate owned to assets | 0.2188% | 4,719 |
| Noncurrent loans to loans | 0.4231% | 3,943 |
| Net loans and leases to total assets | 36.6299% | 5,686 |
| Net loans and leases to deposits | 42.0368% | 5,710 |
| Net loans and leases to core deposits | 43.8332% | 5,722 |
| Total domestic deposits to total assets | 87.1377% | 2,057 |
| Equity capital to assets | 12.5196% | 1,615 |
| Core capital (leverage) ratio | 12.3127% | 1,447 |
| Tier 1 risk-based capital ratio | 18.1324% | 1,923 |
| Total risk-based capital ratio | 18.7843% | 2,067 |
| Memoranda: | ||
| Average total assets | $47,763,600 | 5,593 |
| Average earning assets | $44,554,600 | 5,565 |
| Average equity | $6,009,400 | 5,438 |
| Average total loans | $19,042,200 | 5,758 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0793% | 5,729 |
| Cost of funding earning assets | 0.4180% | 3,027 |
| Net interest margin | 2.6613% | 5,769 |
| Noninterest income to average assets | 0.5995% | 2,739 |
| Noninterest expense to average assets | 2.2411% | 4,935 |
| Loan and lease loss provision to assets | 0.1261% | 1,797 |
| Net operating income to assets | 0.5183% | 4,727 |
| Return on assets (ROA) | 0.5183% | 4,815 |
| Pretax return on assets | 0.7116% | 4,647 |
| Return on Equity (ROE) | 4.1141% | 4,988 |
| Retained earnings to average equity (ytd only) | 3.0023% | 4,305 |
| Net charge-offs to loans | 0.9665% | 199 |
| Credit loss provision to net charge-offs | 32.1429% | 3,254 |
| Earnings coverage of net charge-offs (x) | 2.1358% | 3,727 |
| Efficiency ratio | 72.7934% | 2,747 |
| Assets per employee ($millions) | 6.1086% | 1,292 |
| Cash dividends to net income (ytd only)* | 27.0291% | 2,946 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8905% | 5,234 |
| Loan loss allowance to noncurrent loans | 184.4444% | 2,412 |
| Noncurrent assets plus other real estate owned to assets | 0.3540% | 4,357 |
| Noncurrent loans to loans | 0.4828% | 3,913 |
| Net loans and leases to total assets | 37.8072% | 5,712 |
| Net loans and leases to deposits | 43.4862% | 5,739 |
| Net loans and leases to core deposits | 45.3332% | 5,755 |
| Total domestic deposits to total assets | 86.9406% | 2,074 |
| Equity capital to assets | 12.4557% | 1,769 |
| Core capital (leverage) ratio | 12.5409% | 1,389 |
| Tier 1 risk-based capital ratio | 20.5701% | 1,424 |
| Total risk-based capital ratio | 21.1382% | 1,537 |
| Memoranda: | ||
| Average total assets | $47,593,500 | 5,668 |
| Average earning assets | $44,338,500 | 5,643 |
| Average equity | $5,995,500 | 5,502 |
| Average total loans | $19,312,500 | 5,821 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0975% | 5,747 |
| Cost of funding earning assets | 0.4419% | 2,817 |
| Net interest margin | 2.6557% | 5,817 |
| Noninterest income to average assets | 0.6191% | 2,632 |
| Noninterest expense to average assets | 2.2388% | 5,012 |
| Loan and lease loss provision to assets | 0.1908% | 1,046 |
| Net operating income to assets | 0.4579% | 4,952 |
| Return on assets (ROA) | 0.4579% | 5,046 |
| Pretax return on assets | 0.6615% | 4,784 |
| Return on Equity (ROE) | 3.6211% | 5,171 |
| Retained earnings to average equity (ytd only) | 1.9447% | 4,724 |
| Net charge-offs to loans | 1.4230% | 124 |
| Credit loss provision to net charge-offs | 32.3741% | 2,901 |
| Earnings coverage of net charge-offs (x) | 1.4460% | 3,510 |
| Efficiency ratio | 72.4280% | 2,945 |
| Assets per employee ($millions) | 4.6961% | 2,686 |
| Cash dividends to net income (ytd only)* | 46.2963% | 2,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8550% | 5,451 |
| Loan loss allowance to noncurrent loans | 835.0000% | 656 |
| Noncurrent assets plus other real estate owned to assets | 0.2193% | 4,990 |
| Noncurrent loans to loans | 0.1024% | 5,338 |
| Net loans and leases to total assets | 41.2385% | 5,558 |
| Net loans and leases to deposits | 47.4645% | 5,615 |
| Net loans and leases to core deposits | 49.2097% | 5,642 |
| Total domestic deposits to total assets | 86.8827% | 2,231 |
| Equity capital to assets | 12.6403% | 1,581 |
| Core capital (leverage) ratio | 12.4687% | 1,397 |
| Tier 1 risk-based capital ratio | 18.7196% | 1,868 |
| Total risk-based capital ratio | 19.2468% | 2,022 |
| Memoranda: | ||
| Average total assets | $47,168,330 | 5,740 |
| Average earning assets | $43,906,000 | 5,716 |
| Average equity | $5,965,000 | 5,558 |
| Average total loans | $19,536,000 | 5,868 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0193% | 5,874 |
| Cost of funding earning assets | 0.4638% | 2,635 |
| Net interest margin | 2.5555% | 5,968 |
| Noninterest income to average assets | 0.5839% | 2,742 |
| Noninterest expense to average assets | 2.1916% | 5,175 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.5669% | 4,415 |
| Return on assets (ROA) | 0.5669% | 4,516 |
| Pretax return on assets | 0.7700% | 4,351 |
| Return on Equity (ROE) | 4.4820% | 4,767 |
| Retained earnings to average equity (ytd only) | 4.4820% | 3,332 |
| Net charge-offs to loans | 0.1433% | 1,385 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 13.0000% | 1,753 |
| Efficiency ratio | 74.0000% | 2,817 |
| Assets per employee ($millions) | 4.7732% | 2,655 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3056% | 3,371 |
| Loan loss allowance to noncurrent loans | 95.1311% | 3,802 |
| Noncurrent assets plus other real estate owned to assets | 0.7333% | 3,292 |
| Noncurrent loans to loans | 1.3724% | 2,094 |
| Net loans and leases to total assets | 40.2267% | 5,587 |
| Net loans and leases to deposits | 46.2976% | 5,646 |
| Net loans and leases to core deposits | 48.3117% | 5,656 |
| Total domestic deposits to total assets | 86.8872% | 2,434 |
| Equity capital to assets | 12.6309% | 1,610 |
| Core capital (leverage) ratio | 12.3565% | 1,425 |
| Tier 1 risk-based capital ratio | 16.4679% | 2,693 |
| Total risk-based capital ratio | 17.1772% | 2,899 |
| Memoranda: | ||
| Average total assets | $47,272,000 | 5,790 |
| Average earning assets | $43,983,500 | 5,755 |
| Average equity | $5,979,500 | 5,602 |
| Average total loans | $19,537,500 | 5,918 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4045% | 5,520 |
| Cost of funding earning assets | 0.4928% | 2,738 |
| Net interest margin | 2.9117% | 5,617 |
| Noninterest income to average assets | 0.5748% | 3,024 |
| Noninterest expense to average assets | 2.2867% | 5,144 |
| Loan and lease loss provision to assets | 0.2527% | 896 |
| Net operating income to assets | 0.5786% | 4,466 |
| Return on assets (ROA) | 0.7412% | 3,778 |
| Pretax return on assets | 0.9560% | 3,662 |
| Return on Equity (ROE) | 5.9744% | 4,159 |
| Retained earnings to average equity (ytd only) | 3.0042% | 4,101 |
| Net charge-offs to loans | 0.1393% | 2,630 |
| Credit loss provision to net charge-offs | 444.4444% | 587 |
| Earnings coverage of net charge-offs (x) | 17.5926% | 1,916 |
| Efficiency ratio | 69.5708% | 3,614 |
| Assets per employee ($millions) | 4.6812% | 2,758 |
| Cash dividends to net income (ytd only)* | 49.7159% | 2,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3303% | 3,266 |
| Loan loss allowance to noncurrent loans | 118.6364% | 3,336 |
| Noncurrent assets plus other real estate owned to assets | 0.6473% | 3,631 |
| Noncurrent loans to loans | 1.1213% | 2,595 |
| Net loans and leases to total assets | 41.3548% | 5,667 |
| Net loans and leases to deposits | 47.5721% | 5,708 |
| Net loans and leases to core deposits | 49.6818% | 5,727 |
| Total domestic deposits to total assets | 86.9307% | 2,320 |
| Equity capital to assets | 12.6677% | 1,558 |
| Core capital (leverage) ratio | 12.2697% | 1,463 |
| Tier 1 risk-based capital ratio | 12.3710% | 5,113 |
| Total risk-based capital ratio | 12.9227% | 5,473 |
| Memoranda: | ||
| Average total assets | $47,491,400 | 5,843 |
| Average earning assets | $44,235,400 | 5,827 |
| Average equity | $5,891,800 | 5,642 |
| Average total loans | $19,380,400 | 5,985 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5578% | 5,248 |
| Cost of funding earning assets | 0.5010% | 2,750 |
| Net interest margin | 3.0568% | 5,367 |
| Noninterest income to average assets | 0.5343% | 3,297 |
| Noninterest expense to average assets | 2.1652% | 5,420 |
| Loan and lease loss provision to assets | 0.3357% | 540 |
| Net operating income to assets | 0.6819% | 4,030 |
| Return on assets (ROA) | 0.8952% | 3,030 |
| Pretax return on assets | 1.1609% | 2,943 |
| Return on Equity (ROE) | 7.2533% | 3,580 |
| Retained earnings to average equity (ytd only) | 4.9867% | 3,088 |
| Net charge-offs to loans | -0.0138% | 5,508 |
| Credit loss provision to net charge-offs | -6,000.0000% | 6,049 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9669% | 4,546 |
| Assets per employee ($millions) | 4.7671% | 2,570 |
| Cash dividends to net income (ytd only)* | 31.2497% | 2,746 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4633% | 2,888 |
| Loan loss allowance to noncurrent loans | 176.8293% | 2,377 |
| Noncurrent assets plus other real estate owned to assets | 0.5181% | 4,325 |
| Noncurrent loans to loans | 0.8275% | 3,505 |
| Net loans and leases to total assets | 40.9641% | 5,755 |
| Net loans and leases to deposits | 47.1885% | 5,811 |
| Net loans and leases to core deposits | 49.9054% | 5,794 |
| Total domestic deposits to total assets | 86.8096% | 2,416 |
| Equity capital to assets | 12.5422% | 1,668 |
| Core capital (leverage) ratio | 12.4015% | 1,461 |
| Tier 1 risk-based capital ratio | 12.7516% | 5,007 |
| Total risk-based capital ratio | 13.3764% | 5,328 |
| Memoranda: | ||
| Average total assets | $47,661,250 | 5,908 |
| Average earning assets | $44,446,250 | 5,886 |
| Average equity | $5,882,250 | 5,700 |
| Average total loans | $19,320,500 | 6,054 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5077% | 5,397 |
| Cost of funding earning assets | 0.5050% | 2,787 |
| Net interest margin | 3.0028% | 5,514 |
| Noninterest income to average assets | 0.5414% | 3,199 |
| Noninterest expense to average assets | 2.1864% | 5,451 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.8906% | 2,859 |
| Return on assets (ROA) | 0.8939% | 2,941 |
| Pretax return on assets | 1.1541% | 2,862 |
| Return on Equity (ROE) | 7.2821% | 3,478 |
| Retained earnings to average equity (ytd only) | 3.8632% | 3,719 |
| Net charge-offs to loans | -0.0209% | 5,561 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5346% | 4,438 |
| Assets per employee ($millions) | 4.7943% | 2,481 |
| Cash dividends to net income (ytd only)* | 46.9484% | 2,058 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8963% | 5,731 |
| Loan loss allowance to noncurrent loans | 64.3939% | 4,674 |
| Noncurrent assets plus other real estate owned to assets | 0.7405% | 3,746 |
| Noncurrent loans to loans | 1.3920% | 2,474 |
| Net loans and leases to total assets | 39.2049% | 5,881 |
| Net loans and leases to deposits | 45.1133% | 5,932 |
| Net loans and leases to core deposits | 47.3881% | 5,930 |
| Total domestic deposits to total assets | 86.9032% | 2,509 |
| Equity capital to assets | 12.4293% | 1,694 |
| Core capital (leverage) ratio | 12.0305% | 1,635 |
| Tier 1 risk-based capital ratio | 12.1327% | 5,465 |
| Total risk-based capital ratio | 12.4877% | 5,885 |
| Memoranda: | ||
| Average total assets | $47,658,000 | 5,965 |
| Average earning assets | $44,359,000 | 5,940 |
| Average equity | $5,850,000 | 5,750 |
| Average total loans | $19,154,670 | 6,110 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4830% | 5,471 |
| Cost of funding earning assets | 0.5170% | 2,743 |
| Net interest margin | 2.9660% | 5,612 |
| Noninterest income to average assets | 0.5304% | 3,190 |
| Noninterest expense to average assets | 2.1635% | 5,547 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.8587% | 2,860 |
| Return on assets (ROA) | 0.8587% | 2,926 |
| Pretax return on assets | 1.1196% | 2,817 |
| Return on Equity (ROE) | 7.0399% | 3,459 |
| Retained earnings to average equity (ytd only) | 7.0399% | 2,028 |
| Net charge-offs to loans | -0.0416% | 5,725 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8974% | 4,546 |
| Assets per employee ($millions) | 4.8442% | 2,449 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8859% | 5,908 |
| Loan loss allowance to noncurrent loans | 607.1429% | 790 |
| Noncurrent assets plus other real estate owned to assets | 0.2807% | 5,319 |
| Noncurrent loans to loans | 0.1459% | 5,649 |
| Net loans and leases to total assets | 39.2614% | 5,859 |
| Net loans and leases to deposits | 44.9431% | 5,921 |
| Net loans and leases to core deposits | 47.4668% | 5,905 |
| Total domestic deposits to total assets | 87.3581% | 2,594 |
| Equity capital to assets | 12.1382% | 1,777 |
| Core capital (leverage) ratio | 12.1663% | 1,560 |
| Tier 1 risk-based capital ratio | 11.9628% | 5,668 |
| Total risk-based capital ratio | 12.3134% | 6,079 |
| Memoranda: | ||
| Average total assets | $47,515,500 | 6,021 |
| Average earning assets | $44,100,000 | 6,002 |
| Average equity | $5,795,500 | 5,801 |
| Average total loans | $19,249,000 | 6,166 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6495% | 5,278 |
| Cost of funding earning assets | 0.6217% | 2,470 |
| Net interest margin | 3.0278% | 5,513 |
| Noninterest income to average assets | 0.7686% | 2,227 |
| Noninterest expense to average assets | 2.2692% | 5,463 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.9675% | 2,480 |
| Return on assets (ROA) | 1.0277% | 2,273 |
| Pretax return on assets | 1.2544% | 2,342 |
| Return on Equity (ROE) | 8.3269% | 2,872 |
| Retained earnings to average equity (ytd only) | 4.3909% | 3,050 |
| Net charge-offs to loans | 0.0450% | 4,588 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 68.3750% | 618 |
| Efficiency ratio | 65.7697% | 4,599 |
| Assets per employee ($millions) | 4.6589% | 2,642 |
| Cash dividends to net income (ytd only)* | 47.2689% | 2,422 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8701% | 6,006 |
| Loan loss allowance to noncurrent loans | 884.2105% | 576 |
| Noncurrent assets plus other real estate owned to assets | 0.2726% | 5,444 |
| Noncurrent loans to loans | 0.0984% | 5,917 |
| Net loans and leases to total assets | 41.0848% | 5,889 |
| Net loans and leases to deposits | 47.0514% | 5,948 |
| Net loans and leases to core deposits | 49.4842% | 5,967 |
| Total domestic deposits to total assets | 87.3189% | 2,570 |
| Equity capital to assets | 12.2583% | 1,646 |
| Core capital (leverage) ratio | 12.0120% | 1,602 |
| Tier 1 risk-based capital ratio | 12.1898% | 5,501 |
| Total risk-based capital ratio | 12.5492% | 5,961 |
| Memoranda: | ||
| Average total assets | $46,315,800 | 6,108 |
| Average earning assets | $41,019,400 | 6,141 |
| Average equity | $5,716,400 | 5,875 |
| Average total loans | $17,758,600 | 6,294 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6768% | 5,232 |
| Cost of funding earning assets | 0.6392% | 2,459 |
| Net interest margin | 3.0377% | 5,495 |
| Noninterest income to average assets | 0.5622% | 3,378 |
| Noninterest expense to average assets | 2.1247% | 5,783 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.8519% | 3,090 |
| Return on assets (ROA) | 0.9283% | 2,806 |
| Pretax return on assets | 1.1935% | 2,732 |
| Return on Equity (ROE) | 7.5085% | 3,373 |
| Retained earnings to average equity (ytd only) | 5.1767% | 2,950 |
| Net charge-offs to loans | 0.0921% | 3,641 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 31.6656% | 1,193 |
| Efficiency ratio | 65.9803% | 4,486 |
| Assets per employee ($millions) | 4.7978% | 2,442 |
| Cash dividends to net income (ytd only)* | 31.0561% | 2,655 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9252% | 5,986 |
| Loan loss allowance to noncurrent loans | 443.2432% | 982 |
| Noncurrent assets plus other real estate owned to assets | 0.3314% | 5,412 |
| Noncurrent loans to loans | 0.2087% | 5,719 |
| Net loans and leases to total assets | 36.6022% | 6,252 |
| Net loans and leases to deposits | 41.9067% | 6,313 |
| Net loans and leases to core deposits | 44.0070% | 6,301 |
| Total domestic deposits to total assets | 87.3421% | 2,486 |
| Equity capital to assets | 11.9576% | 1,943 |
| Core capital (leverage) ratio | 12.8020% | 1,286 |
| Tier 1 risk-based capital ratio | 11.8008% | 5,901 |
| Total risk-based capital ratio | 12.1422% | 6,290 |
| Memoranda: | ||
| Average total assets | $46,247,500 | 6,182 |
| Average earning assets | $40,468,750 | 6,225 |
| Average equity | $5,717,750 | 5,943 |
| Average total loans | $17,371,000 | 6,370 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7187% | 5,084 |
| Cost of funding earning assets | 0.6712% | 2,303 |
| Net interest margin | 3.0476% | 5,438 |
| Noninterest income to average assets | 0.5693% | 3,387 |
| Noninterest expense to average assets | 2.1458% | 5,757 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.8532% | 3,030 |
| Return on assets (ROA) | 0.9678% | 2,621 |
| Pretax return on assets | 1.2568% | 2,462 |
| Return on Equity (ROE) | 7.7390% | 3,219 |
| Retained earnings to average equity (ytd only) | 4.2372% | 3,598 |
| Net charge-offs to loans | 0.0116% | 4,643 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 253.0000% | 208 |
| Efficiency ratio | 65.9489% | 4,553 |
| Assets per employee ($millions) | 4.4767% | 2,847 |
| Cash dividends to net income (ytd only)* | 45.2489% | 2,048 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9887% | 5,872 |
| Loan loss allowance to noncurrent loans | 511.7647% | 854 |
| Noncurrent assets plus other real estate owned to assets | 0.3485% | 5,440 |
| Noncurrent loans to loans | 0.1932% | 5,829 |
| Net loans and leases to total assets | 38.9238% | 6,117 |
| Net loans and leases to deposits | 44.6646% | 6,187 |
| Net loans and leases to core deposits | 44.6646% | 6,301 |
| Total domestic deposits to total assets | 87.1468% | 2,735 |
| Equity capital to assets | 12.3283% | 1,687 |
| Core capital (leverage) ratio | 12.3824% | 1,416 |
| Tier 1 risk-based capital ratio | 12.3675% | 5,592 |
| Total risk-based capital ratio | 12.7541% | 6,074 |
| Memoranda: | ||
| Average total assets | $45,670,670 | 6,243 |
| Average earning assets | $40,228,670 | 6,276 |
| Average equity | $5,711,330 | 5,994 |
| Average total loans | $17,253,000 | 6,414 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6775% | 5,235 |
| Cost of funding earning assets | 0.6518% | 2,641 |
| Net interest margin | 3.0257% | 5,506 |
| Noninterest income to average assets | 0.5377% | 3,515 |
| Noninterest expense to average assets | 2.1595% | 5,782 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.8568% | 2,875 |
| Return on assets (ROA) | 1.0927% | 1,990 |
| Pretax return on assets | 1.3703% | 1,968 |
| Return on Equity (ROE) | 8.6784% | 2,637 |
| Retained earnings to average equity (ytd only) | 8.6784% | 1,498 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7560% | 4,529 |
| Assets per employee ($millions) | 4.7777% | 2,528 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0193% | 5,921 |
| Loan loss allowance to noncurrent loans | 338.4615% | 1,177 |
| Noncurrent assets plus other real estate owned to assets | 0.3642% | 5,497 |
| Noncurrent loans to loans | 0.3012% | 5,647 |
| Net loans and leases to total assets | 35.7724% | 6,313 |
| Net loans and leases to deposits | 41.1247% | 6,374 |
| Net loans and leases to core deposits | 41.6214% | 6,413 |
| Total domestic deposits to total assets | 86.9854% | 2,966 |
| Equity capital to assets | 12.2360% | 1,876 |
| Core capital (leverage) ratio | 12.3286% | 1,413 |
| Tier 1 risk-based capital ratio | 11.7230% | 6,075 |
| Total risk-based capital ratio | 12.0932% | 6,442 |
| Memoranda: | ||
| Average total assets | $46,122,500 | 6,287 |
| Average earning assets | $41,114,500 | 6,308 |
| Average equity | $5,807,500 | 6,033 |
| Average total loans | $17,080,000 | 6,484 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2663% | 4,338 |
| Cost of funding earning assets | 1.0050% | 1,332 |
| Net interest margin | 3.2613% | 5,388 |
| Noninterest income to average assets | 0.5675% | 3,462 |
| Noninterest expense to average assets | 2.4164% | 5,358 |
| Loan and lease loss provision to assets | 0.0901% | 4,566 |
| Net operating income to assets | 0.5776% | 4,351 |
| Return on assets (ROA) | 0.8828% | 3,145 |
| Pretax return on assets | 1.1395% | 3,021 |
| Return on Equity (ROE) | 6.8037% | 3,760 |
| Retained earnings to average equity (ytd only) | 2.8985% | 4,195 |
| Net charge-offs to loans | 0.1226% | 4,452 |
| Credit loss provision to net charge-offs | 200.0000% | 1,294 |
| Earnings coverage of net charge-offs (x) | 18.5000% | 1,433 |
| Efficiency ratio | 74.3590% | 3,012 |
| Assets per employee ($millions) | 4.4468% | 3,058 |
| Cash dividends to net income (ytd only)* | 57.3980% | 1,934 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0419% | 5,804 |
| Loan loss allowance to noncurrent loans | 880.0000% | 508 |
| Noncurrent assets plus other real estate owned to assets | 0.3193% | 5,711 |
| Noncurrent loans to loans | 0.1184% | 6,182 |
| Net loans and leases to total assets | 37.5933% | 6,333 |
| Net loans and leases to deposits | 43.6259% | 6,388 |
| Net loans and leases to core deposits | 44.2459% | 6,451 |
| Total domestic deposits to total assets | 86.1721% | 3,267 |
| Equity capital to assets | 12.9734% | 1,464 |
| Core capital (leverage) ratio | 12.3442% | 1,380 |
| Tier 1 risk-based capital ratio | 12.3358% | 5,576 |
| Total risk-based capital ratio | 12.7344% | 6,081 |
| Memoranda: | ||
| Average total assets | $44,404,200 | 6,363 |
| Average earning assets | $36,518,800 | 6,486 |
| Average equity | $5,761,600 | 6,086 |
| Average total loans | $16,308,000 | 6,584 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1459% | 5,009 |
| Cost of funding earning assets | 1.0819% | 1,136 |
| Net interest margin | 3.0641% | 6,034 |
| Noninterest income to average assets | 0.6338% | 3,083 |
| Noninterest expense to average assets | 2.3669% | 5,496 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.6183% | 4,305 |
| Return on assets (ROA) | 0.9582% | 2,931 |
| Pretax return on assets | 1.1654% | 3,108 |
| Return on Equity (ROE) | 7.3843% | 3,591 |
| Retained earnings to average equity (ytd only) | 5.0695% | 3,322 |
| Net charge-offs to loans | 0.1650% | 3,800 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 12.4983% | 1,996 |
| Efficiency ratio | 75.9152% | 2,692 |
| Assets per employee ($millions) | 4.4483% | 2,999 |
| Cash dividends to net income (ytd only)* | 31.3482% | 2,573 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8434% | 6,524 |
| Loan loss allowance to noncurrent loans | 23.7347% | 6,389 |
| Noncurrent assets plus other real estate owned to assets | 1.6074% | 3,184 |
| Noncurrent loans to loans | 3.5533% | 1,526 |
| Net loans and leases to total assets | 35.9463% | 6,552 |
| Net loans and leases to deposits | 41.8039% | 6,604 |
| Net loans and leases to core deposits | 42.3980% | 6,660 |
| Total domestic deposits to total assets | 85.9879% | 3,266 |
| Equity capital to assets | 13.2657% | 1,466 |
| Core capital (leverage) ratio | 12.5743% | 1,373 |
| Tier 1 risk-based capital ratio | 12.4969% | 5,647 |
| Total risk-based capital ratio | 12.8059% | 6,169 |
| Memoranda: | ||
| Average total assets | $44,388,250 | 6,438 |
| Average earning assets | $35,986,000 | 6,582 |
| Average equity | $5,759,750 | 6,158 |
| Average total loans | $16,161,750 | 6,674 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5615% | 3,523 |
| Cost of funding earning assets | 1.1690% | 949 |
| Net interest margin | 3.3925% | 5,113 |
| Noninterest income to average assets | 0.5501% | 3,584 |
| Noninterest expense to average assets | 2.3401% | 5,636 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.6814% | 3,974 |
| Return on assets (ROA) | 0.8432% | 3,446 |
| Pretax return on assets | 1.0866% | 3,350 |
| Return on Equity (ROE) | 6.5469% | 4,026 |
| Retained earnings to average equity (ytd only) | 3.0459% | 4,615 |
| Net charge-offs to loans | 0.2349% | 3,162 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 10.2632% | 2,072 |
| Efficiency ratio | 72.6891% | 3,300 |
| Assets per employee ($millions) | 4.4432% | 3,017 |
| Cash dividends to net income (ytd only)* | 53.4759% | 1,611 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8614% | 6,547 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4546% | 5,648 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 35.4879% | 6,636 |
| Net loans and leases to deposits | 41.2429% | 6,689 |
| Net loans and leases to core deposits | 41.8283% | 6,743 |
| Total domestic deposits to total assets | 86.0461% | 3,335 |
| Equity capital to assets | 12.8849% | 1,574 |
| Core capital (leverage) ratio | 12.1009% | 1,552 |
| Tier 1 risk-based capital ratio | 12.1905% | 5,802 |
| Total risk-based capital ratio | 12.4994% | 6,348 |
| Memoranda: | ||
| Average total assets | $44,356,670 | 6,479 |
| Average earning assets | $34,900,670 | 6,662 |
| Average equity | $5,712,670 | 6,191 |
| Average total loans | $16,173,670 | 6,725 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5961% | 3,520 |
| Cost of funding earning assets | 1.1975% | 997 |
| Net interest margin | 3.3986% | 5,128 |
| Noninterest income to average assets | 0.5506% | 3,563 |
| Noninterest expense to average assets | 2.3827% | 5,532 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.6738% | 4,014 |
| Return on assets (ROA) | 1.0018% | 2,666 |
| Pretax return on assets | 1.2726% | 2,643 |
| Return on Equity (ROE) | 7.7806% | 3,371 |
| Retained earnings to average equity (ytd only) | 7.7806% | 2,059 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5376% | 3,173 |
| Assets per employee ($millions) | 4.4821% | 3,028 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9660% | 6,373 |
| Loan loss allowance to noncurrent loans | 184.7059% | 1,786 |
| Noncurrent assets plus other real estate owned to assets | 0.8500% | 4,832 |
| Noncurrent loans to loans | 0.5230% | 5,621 |
| Net loans and leases to total assets | 35.9117% | 6,626 |
| Net loans and leases to deposits | 41.6498% | 6,676 |
| Net loans and leases to core deposits | 42.2767% | 6,732 |
| Total domestic deposits to total assets | 86.2230% | 3,401 |
| Equity capital to assets | 12.7842% | 1,557 |
| Core capital (leverage) ratio | 12.1214% | 1,523 |
| Tier 1 risk-based capital ratio | 12.1241% | 5,882 |
| Total risk-based capital ratio | 12.4772% | 6,411 |
| Memoranda: | ||
| Average total assets | $44,319,000 | 6,525 |
| Average earning assets | $35,073,000 | 6,707 |
| Average equity | $5,706,500 | 6,223 |
| Average total loans | $16,308,000 | 6,777 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6840% | 4,314 |
| Cost of funding earning assets | 1.3016% | 1,479 |
| Net interest margin | 3.3824% | 5,538 |
| Noninterest income to average assets | 0.7015% | 2,593 |
| Noninterest expense to average assets | 2.3322% | 5,973 |
| Loan and lease loss provision to assets | 0.0743% | 5,681 |
| Net operating income to assets | 0.9431% | 2,438 |
| Return on assets (ROA) | 0.9431% | 2,559 |
| Pretax return on assets | 1.1986% | 2,464 |
| Return on Equity (ROE) | 7.2765% | 3,262 |
| Retained earnings to average equity (ytd only) | 2.2582% | 4,603 |
| Net charge-offs to loans | 0.0542% | 5,777 |
| Credit loss provision to net charge-offs | 355.5556% | 649 |
| Earnings coverage of net charge-offs (x) | 60.8889% | 474 |
| Efficiency ratio | 64.6907% | 5,008 |
| Assets per employee ($millions) | 4.3817% | 3,092 |
| Cash dividends to net income (ytd only)* | 68.9655% | 1,180 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9534% | 6,387 |
| Loan loss allowance to noncurrent loans | 77.2277% | 3,761 |
| Noncurrent assets plus other real estate owned to assets | 0.9220% | 4,767 |
| Noncurrent loans to loans | 1.2345% | 4,301 |
| Net loans and leases to total assets | 36.9879% | 6,704 |
| Net loans and leases to deposits | 43.0511% | 6,757 |
| Net loans and leases to core deposits | 43.7153% | 6,823 |
| Total domestic deposits to total assets | 85.9164% | 3,366 |
| Equity capital to assets | 12.9699% | 1,504 |
| Core capital (leverage) ratio | 11.8960% | 1,660 |
| Tier 1 risk-based capital ratio | 12.1783% | 5,703 |
| Total risk-based capital ratio | 12.5380% | 6,275 |
| Memoranda: | ||
| Average total assets | $43,048,600 | 6,563 |
| Average earning assets | $36,955,600 | 6,643 |
| Average equity | $5,579,600 | 6,265 |
| Average total loans | $16,611,800 | 6,817 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6610% | 4,629 |
| Cost of funding earning assets | 1.3175% | 1,603 |
| Net interest margin | 3.3435% | 5,738 |
| Noninterest income to average assets | 0.7653% | 2,227 |
| Noninterest expense to average assets | 2.2058% | 6,263 |
| Loan and lease loss provision to assets | 0.0996% | 5,211 |
| Net operating income to assets | 1.0547% | 2,122 |
| Return on assets (ROA) | 1.0547% | 2,262 |
| Pretax return on assets | 1.3813% | 1,996 |
| Return on Equity (ROE) | 8.1385% | 2,985 |
| Retained earnings to average equity (ytd only) | 5.7377% | 2,712 |
| Net charge-offs to loans | 0.0640% | 5,326 |
| Credit loss provision to net charge-offs | 400.0000% | 714 |
| Earnings coverage of net charge-offs (x) | 59.4799% | 559 |
| Efficiency ratio | 59.8312% | 5,751 |
| Assets per employee ($millions) | 4.8689% | 2,372 |
| Cash dividends to net income (ytd only)* | 29.4984% | 2,498 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9715% | 6,385 |
| Loan loss allowance to noncurrent loans | 89.7143% | 3,238 |
| Noncurrent assets plus other real estate owned to assets | 0.8603% | 5,029 |
| Noncurrent loans to loans | 1.0829% | 4,746 |
| Net loans and leases to total assets | 36.5221% | 6,843 |
| Net loans and leases to deposits | 42.4509% | 6,891 |
| Net loans and leases to core deposits | 43.0991% | 6,948 |
| Total domestic deposits to total assets | 86.0338% | 3,202 |
| Equity capital to assets | 13.2725% | 1,478 |
| Core capital (leverage) ratio | 12.3826% | 1,493 |
| Tier 1 risk-based capital ratio | 12.4443% | 5,542 |
| Total risk-based capital ratio | 12.8066% | 6,195 |
| Memoranda: | ||
| Average total assets | $42,856,500 | 6,633 |
| Average earning assets | $37,444,750 | 6,685 |
| Average equity | $5,553,750 | 6,318 |
| Average total loans | $16,674,000 | 6,884 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7033% | 4,518 |
| Cost of funding earning assets | 1.3780% | 1,508 |
| Net interest margin | 3.3253% | 5,785 |
| Noninterest income to average assets | 0.7805% | 2,109 |
| Noninterest expense to average assets | 2.2522% | 6,239 |
| Loan and lease loss provision to assets | 0.1505% | 4,427 |
| Net operating income to assets | 1.0015% | 2,224 |
| Return on assets (ROA) | 1.0015% | 2,322 |
| Pretax return on assets | 1.3166% | 2,089 |
| Return on Equity (ROE) | 7.7932% | 3,048 |
| Retained earnings to average equity (ytd only) | 4.1344% | 3,565 |
| Net charge-offs to loans | 0.0950% | 4,727 |
| Credit loss provision to net charge-offs | 400.0000% | 744 |
| Earnings coverage of net charge-offs (x) | 39.0000% | 756 |
| Efficiency ratio | 60.5563% | 5,792 |
| Assets per employee ($millions) | 4.8450% | 2,347 |
| Cash dividends to net income (ytd only)* | 46.9484% | 1,793 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9564% | 6,493 |
| Loan loss allowance to noncurrent loans | 654.1667% | 535 |
| Noncurrent assets plus other real estate owned to assets | 0.5183% | 5,879 |
| Noncurrent loans to loans | 0.1462% | 6,614 |
| Net loans and leases to total assets | 37.2847% | 6,898 |
| Net loans and leases to deposits | 43.1281% | 6,951 |
| Net loans and leases to core deposits | 43.7926% | 7,011 |
| Total domestic deposits to total assets | 86.4511% | 3,072 |
| Equity capital to assets | 12.7990% | 1,625 |
| Core capital (leverage) ratio | 12.1231% | 1,544 |
| Tier 1 risk-based capital ratio | 12.1679% | 5,644 |
| Total risk-based capital ratio | 12.5306% | 6,330 |
| Memoranda: | ||
| Average total assets | $42,535,330 | 6,698 |
| Average earning assets | $37,590,330 | 6,740 |
| Average equity | $5,466,330 | 6,380 |
| Average total loans | $16,845,000 | 6,948 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6649% | 4,671 |
| Cost of funding earning assets | 1.3889% | 1,670 |
| Net interest margin | 3.2760% | 5,858 |
| Noninterest income to average assets | 0.8857% | 1,708 |
| Noninterest expense to average assets | 2.2190% | 6,381 |
| Loan and lease loss provision to assets | 0.3048% | 2,729 |
| Net operating income to assets | 0.9714% | 2,276 |
| Return on assets (ROA) | 0.9714% | 2,342 |
| Pretax return on assets | 1.3047% | 2,030 |
| Return on Equity (ROE) | 7.5430% | 3,131 |
| Retained earnings to average equity (ytd only) | 7.5430% | 1,921 |
| Net charge-offs to loans | 0.0234% | 4,755 |
| Credit loss provision to net charge-offs | 3,200.0000% | 112 |
| Earnings coverage of net charge-offs (x) | 169.0000% | 187 |
| Efficiency ratio | 57.9602% | 6,278 |
| Assets per employee ($millions) | 4.7508% | 2,495 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9826% | 6,459 |
| Loan loss allowance to noncurrent loans | 8,200.0000% | 71 |
| Noncurrent assets plus other real estate owned to assets | 0.3368% | 6,355 |
| Noncurrent loans to loans | 0.0120% | 7,042 |
| Net loans and leases to total assets | 38.6533% | 6,865 |
| Net loans and leases to deposits | 44.6458% | 6,930 |
| Net loans and leases to core deposits | 45.3254% | 6,996 |
| Total domestic deposits to total assets | 86.5776% | 3,190 |
| Equity capital to assets | 12.8190% | 1,464 |
| Core capital (leverage) ratio | 12.2864% | 1,414 |
| Tier 1 risk-based capital ratio | 12.3459% | 5,399 |
| Total risk-based capital ratio | 12.7310% | 6,099 |
| Memoranda: | ||
| Average total assets | $42,000,500 | 6,761 |
| Average earning assets | $37,728,500 | 6,775 |
| Average equity | $5,409,000 | 6,415 |
| Average total loans | $17,060,000 | 6,996 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0123% | 4,498 |
| Cost of funding earning assets | 1.5249% | 2,503 |
| Net interest margin | 3.4874% | 5,294 |
| Noninterest income to average assets | 0.8606% | 2,011 |
| Noninterest expense to average assets | 2.4306% | 6,011 |
| Loan and lease loss provision to assets | 0.1215% | 5,944 |
| Net operating income to assets | 1.1434% | 1,564 |
| Return on assets (ROA) | 1.1434% | 1,646 |
| Pretax return on assets | 1.4906% | 1,405 |
| Return on Equity (ROE) | 8.6886% | 2,425 |
| Retained earnings to average equity (ytd only) | 3.4114% | 3,479 |
| Net charge-offs to loans | 0.2851% | 4,594 |
| Credit loss provision to net charge-offs | 100.0000% | 4,560 |
| Earnings coverage of net charge-offs (x) | 13.2653% | 1,424 |
| Efficiency ratio | 60.1227% | 6,026 |
| Assets per employee ($millions) | 4.5827% | 2,737 |
| Cash dividends to net income (ytd only)* | 60.7375% | 1,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7631% | 7,039 |
| Loan loss allowance to noncurrent loans | 42.9032% | 5,454 |
| Noncurrent assets plus other real estate owned to assets | 1.1420% | 4,723 |
| Noncurrent loans to loans | 1.7786% | 3,845 |
| Net loans and leases to total assets | 41.9358% | 6,852 |
| Net loans and leases to deposits | 48.4835% | 6,930 |
| Net loans and leases to core deposits | 49.2567% | 7,011 |
| Total domestic deposits to total assets | 86.4950% | 3,082 |
| Equity capital to assets | 12.9401% | 1,418 |
| Core capital (leverage) ratio | 12.5441% | 1,297 |
| Tier 1 risk-based capital ratio | 12.5405% | 4,989 |
| Total risk-based capital ratio | 12.8641% | 5,813 |
| Memoranda: | ||
| Average total assets | $40,320,000 | 6,856 |
| Average earning assets | $36,789,800 | 6,847 |
| Average equity | $5,305,800 | 6,565 |
| Average total loans | $17,187,200 | 7,071 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0325% | 4,665 |
| Cost of funding earning assets | 1.5440% | 2,705 |
| Net interest margin | 3.4885% | 5,343 |
| Noninterest income to average assets | 0.7716% | 2,379 |
| Noninterest expense to average assets | 2.3081% | 6,302 |
| Loan and lease loss provision to assets | 0.1430% | 5,603 |
| Net operating income to assets | 1.1208% | 1,823 |
| Return on assets (ROA) | 1.1208% | 1,934 |
| Pretax return on assets | 1.5066% | 1,596 |
| Return on Equity (ROE) | 8.4809% | 2,694 |
| Retained earnings to average equity (ytd only) | 4.9577% | 3,020 |
| Net charge-offs to loans | 0.3347% | 3,982 |
| Credit loss provision to net charge-offs | 100.0000% | 4,307 |
| Earnings coverage of net charge-offs (x) | 11.5353% | 1,787 |
| Efficiency ratio | 58.3193% | 6,214 |
| Assets per employee ($millions) | 5.0441% | 2,119 |
| Cash dividends to net income (ytd only)* | 41.5428% | 2,020 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7754% | 7,055 |
| Loan loss allowance to noncurrent loans | 91.0959% | 3,014 |
| Noncurrent assets plus other real estate owned to assets | 0.7608% | 5,582 |
| Noncurrent loans to loans | 0.8512% | 5,519 |
| Net loans and leases to total assets | 42.1778% | 6,964 |
| Net loans and leases to deposits | 49.5214% | 7,020 |
| Net loans and leases to core deposits | 50.3461% | 7,111 |
| Total domestic deposits to total assets | 85.1709% | 3,533 |
| Equity capital to assets | 13.6421% | 1,298 |
| Core capital (leverage) ratio | 12.8021% | 1,298 |
| Tier 1 risk-based capital ratio | 12.9318% | 4,628 |
| Total risk-based capital ratio | 13.2645% | 5,423 |
| Memoranda: | ||
| Average total assets | $40,089,000 | 6,949 |
| Average earning assets | $36,614,500 | 6,932 |
| Average equity | $5,298,000 | 6,647 |
| Average total loans | $17,126,750 | 7,161 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0473% | 4,719 |
| Cost of funding earning assets | 1.5513% | 2,950 |
| Net interest margin | 3.4960% | 5,263 |
| Noninterest income to average assets | 0.7300% | 2,517 |
| Noninterest expense to average assets | 2.3499% | 6,221 |
| Loan and lease loss provision to assets | 0.1850% | 5,020 |
| Net operating income to assets | 1.0550% | 2,000 |
| Return on assets (ROA) | 1.0550% | 2,069 |
| Pretax return on assets | 1.3950% | 1,851 |
| Return on Equity (ROE) | 8.0704% | 2,859 |
| Retained earnings to average equity (ytd only) | 2.7156% | 4,405 |
| Net charge-offs to loans | 0.2921% | 3,867 |
| Credit loss provision to net charge-offs | 148.0000% | 2,667 |
| Earnings coverage of net charge-offs (x) | 12.6400% | 1,661 |
| Efficiency ratio | 59.7964% | 6,080 |
| Assets per employee ($millions) | 4.9854% | 2,202 |
| Cash dividends to net income (ytd only)* | 66.3507% | 1,118 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8416% | 6,933 |
| Loan loss allowance to noncurrent loans | 254.3860% | 1,119 |
| Noncurrent assets plus other real estate owned to assets | 0.5466% | 6,104 |
| Noncurrent loans to loans | 0.3308% | 6,566 |
| Net loans and leases to total assets | 42.8378% | 6,992 |
| Net loans and leases to deposits | 49.8949% | 7,072 |
| Net loans and leases to core deposits | 49.8949% | 7,214 |
| Total domestic deposits to total assets | 85.8561% | 3,174 |
| Equity capital to assets | 13.2488% | 1,457 |
| Core capital (leverage) ratio | 12.5208% | 1,401 |
| Tier 1 risk-based capital ratio | 12.7184% | 4,671 |
| Total risk-based capital ratio | 13.0839% | 5,428 |
| Memoranda: | ||
| Average total assets | $40,001,000 | 7,000 |
| Average earning assets | $36,613,330 | 6,979 |
| Average equity | $5,229,000 | 6,705 |
| Average total loans | $17,118,000 | 7,216 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0693% | 4,679 |
| Cost of funding earning assets | 1.5665% | 3,160 |
| Net interest margin | 3.5028% | 5,145 |
| Noninterest income to average assets | 0.6690% | 2,817 |
| Noninterest expense to average assets | 2.4563% | 5,889 |
| Loan and lease loss provision to assets | 0.0599% | 6,042 |
| Net operating income to assets | 1.0285% | 2,075 |
| Return on assets (ROA) | 1.0285% | 2,134 |
| Pretax return on assets | 1.3679% | 1,855 |
| Return on Equity (ROE) | 7.9208% | 2,923 |
| Retained earnings to average equity (ytd only) | 7.9208% | 1,738 |
| Net charge-offs to loans | 0.3282% | 3,090 |
| Credit loss provision to net charge-offs | 42.8571% | 4,589 |
| Earnings coverage of net charge-offs (x) | 10.2143% | 1,764 |
| Efficiency ratio | 63.2391% | 5,621 |
| Assets per employee ($millions) | 5.0236% | 2,202 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7299% | 7,291 |
| Loan loss allowance to noncurrent loans | 162.3377% | 1,724 |
| Noncurrent assets plus other real estate owned to assets | 0.5922% | 6,031 |
| Noncurrent loans to loans | 0.4496% | 6,401 |
| Net loans and leases to total assets | 42.3026% | 7,105 |
| Net loans and leases to deposits | 49.1373% | 7,175 |
| Net loans and leases to core deposits | 50.3226% | 7,269 |
| Total domestic deposits to total assets | 86.0907% | 3,102 |
| Equity capital to assets | 13.1280% | 1,473 |
| Core capital (leverage) ratio | 12.6552% | 1,343 |
| Tier 1 risk-based capital ratio | 12.6890% | 4,571 |
| Total risk-based capital ratio | 13.0014% | 5,388 |
| Memoranda: | ||
| Average total assets | $40,060,000 | 7,085 |
| Average earning assets | $36,770,500 | 7,063 |
| Average equity | $5,201,500 | 6,782 |
| Average total loans | $17,062,000 | 7,313 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5266% | 4,009 |
| Cost of funding earning assets | 1.8622% | 3,663 |
| Net interest margin | 3.6644% | 4,287 |
| Noninterest income to average assets | 0.9761% | 1,648 |
| Noninterest expense to average assets | 2.6512% | 5,591 |
| Loan and lease loss provision to assets | 0.1293% | 6,346 |
| Net operating income to assets | 1.1924% | 1,264 |
| Return on assets (ROA) | 1.1924% | 1,314 |
| Pretax return on assets | 1.5802% | 1,003 |
| Return on Equity (ROE) | 8.8913% | 2,061 |
| Retained earnings to average equity (ytd only) | 2.6949% | 3,265 |
| Net charge-offs to loans | 0.1860% | 5,496 |
| Credit loss provision to net charge-offs | 158.0645% | 2,844 |
| Earnings coverage of net charge-offs (x) | 20.9032% | 1,018 |
| Efficiency ratio | 60.7985% | 6,359 |
| Assets per employee ($millions) | 4.4368% | 3,037 |
| Cash dividends to net income (ytd only)* | 69.6903% | 1,577 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7824% | 7,185 |
| Loan loss allowance to noncurrent loans | 135.7143% | 2,107 |
| Noncurrent assets plus other real estate owned to assets | 0.7012% | 5,704 |
| Noncurrent loans to loans | 0.5765% | 6,091 |
| Net loans and leases to total assets | 42.2354% | 7,239 |
| Net loans and leases to deposits | 48.8077% | 7,324 |
| Net loans and leases to core deposits | 63.8923% | 7,094 |
| Total domestic deposits to total assets | 86.5343% | 2,739 |
| Equity capital to assets | 12.8396% | 1,573 |
| Core capital (leverage) ratio | 12.5508% | 1,426 |
| Tier 1 risk-based capital ratio | 12.4878% | 4,535 |
| Total risk-based capital ratio | 12.8217% | 5,278 |
| Memoranda: | ||
| Average total assets | $37,907,400 | 7,174 |
| Average earning assets | $35,012,400 | 7,138 |
| Average equity | $5,083,600 | 6,909 |
| Average total loans | $16,666,000 | 7,371 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6417% | 3,625 |
| Cost of funding earning assets | 1.8921% | 3,920 |
| Net interest margin | 3.7496% | 3,866 |
| Noninterest income to average assets | 1.0837% | 1,354 |
| Noninterest expense to average assets | 2.5025% | 6,059 |
| Loan and lease loss provision to assets | 0.1569% | 5,780 |
| Net operating income to assets | 1.3404% | 1,141 |
| Return on assets (ROA) | 1.3404% | 1,201 |
| Pretax return on assets | 1.8929% | 669 |
| Return on Equity (ROE) | 9.8826% | 1,961 |
| Retained earnings to average equity (ytd only) | 5.5459% | 2,176 |
| Net charge-offs to loans | 0.2492% | 4,492 |
| Credit loss provision to net charge-offs | 141.9355% | 3,453 |
| Earnings coverage of net charge-offs (x) | 18.5495% | 1,345 |
| Efficiency ratio | 54.9726% | 7,121 |
| Assets per employee ($millions) | 3.8459% | 4,089 |
| Cash dividends to net income (ytd only)* | 43.8822% | 2,273 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7822% | 7,175 |
| Loan loss allowance to noncurrent loans | 387.8788% | 801 |
| Noncurrent assets plus other real estate owned to assets | 0.5590% | 6,060 |
| Noncurrent loans to loans | 0.2016% | 6,995 |
| Net loans and leases to total assets | 42.2190% | 7,349 |
| Net loans and leases to deposits | 49.4051% | 7,436 |
| Net loans and leases to core deposits | 64.3050% | 7,234 |
| Total domestic deposits to total assets | 85.4546% | 2,991 |
| Equity capital to assets | 13.7237% | 1,408 |
| Core capital (leverage) ratio | 13.1901% | 1,326 |
| Tier 1 risk-based capital ratio | 13.2015% | 4,053 |
| Total risk-based capital ratio | 13.5363% | 4,660 |
| Memoranda: | ||
| Average total assets | $37,401,500 | 7,257 |
| Average earning assets | $34,598,750 | 7,224 |
| Average equity | $5,072,750 | 6,973 |
| Average total loans | $16,583,000 | 7,443 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8062% | 3,016 |
| Cost of funding earning assets | 1.9296% | 4,115 |
| Net interest margin | 3.8766% | 3,224 |
| Noninterest income to average assets | 0.6694% | 3,197 |
| Noninterest expense to average assets | 2.3374% | 6,651 |
| Loan and lease loss provision to assets | 0.0648% | 6,564 |
| Net operating income to assets | 1.3766% | 1,076 |
| Return on assets (ROA) | 1.3766% | 1,142 |
| Pretax return on assets | 1.8570% | 760 |
| Return on Equity (ROE) | 10.1912% | 1,953 |
| Retained earnings to average equity (ytd only) | 3.5969% | 3,298 |
| Net charge-offs to loans | 0.1081% | 5,078 |
| Credit loss provision to net charge-offs | 133.3333% | 3,495 |
| Earnings coverage of net charge-offs (x) | 39.5556% | 819 |
| Efficiency ratio | 54.8796% | 7,241 |
| Assets per employee ($millions) | 4.1957% | 3,307 |
| Cash dividends to net income (ytd only)* | 64.7059% | 1,529 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7133% | 7,388 |
| Loan loss allowance to noncurrent loans | 101.7241% | 2,854 |
| Noncurrent assets plus other real estate owned to assets | 0.4290% | 6,385 |
| Noncurrent loans to loans | 0.7012% | 5,844 |
| Net loans and leases to total assets | 43.4973% | 7,362 |
| Net loans and leases to deposits | 50.4082% | 7,470 |
| Net loans and leases to core deposits | 64.7036% | 7,263 |
| Total domestic deposits to total assets | 86.2901% | 2,632 |
| Equity capital to assets | 13.2094% | 1,605 |
| Core capital (leverage) ratio | 12.9668% | 1,441 |
| Tier 1 risk-based capital ratio | 13.0389% | 4,122 |
| Total risk-based capital ratio | 13.3512% | 4,752 |
| Memoranda: | ||
| Average total assets | $37,049,000 | 7,332 |
| Average earning assets | $34,308,330 | 7,301 |
| Average equity | $5,004,330 | 7,060 |
| Average total loans | $16,655,670 | 7,503 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7504% | 3,531 |
| Cost of funding earning assets | 1.9361% | 4,457 |
| Net interest margin | 3.8143% | 3,390 |
| Noninterest income to average assets | 0.7304% | 2,702 |
| Noninterest expense to average assets | 2.3765% | 6,272 |
| Loan and lease loss provision to assets | 0.0654% | 6,129 |
| Net operating income to assets | 1.3845% | 1,172 |
| Return on assets (ROA) | 1.3845% | 1,264 |
| Pretax return on assets | 1.8750% | 846 |
| Return on Equity (ROE) | 10.1347% | 2,272 |
| Retained earnings to average equity (ytd only) | 10.1347% | 1,160 |
| Net charge-offs to loans | -0.0239% | 7,485 |
| Credit loss provision to net charge-offs | -600.0000% | 6,426 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.0505% | 7,097 |
| Assets per employee ($millions) | 3.7438% | 4,247 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7249% | 7,373 |
| Loan loss allowance to noncurrent loans | 248.9796% | 1,342 |
| Noncurrent assets plus other real estate owned to assets | 0.1843% | 6,985 |
| Noncurrent loans to loans | 0.2911% | 6,713 |
| Net loans and leases to total assets | 44.6285% | 7,292 |
| Net loans and leases to deposits | 51.8624% | 7,410 |
| Net loans and leases to core deposits | 65.2452% | 7,268 |
| Total domestic deposits to total assets | 86.0516% | 2,684 |
| Equity capital to assets | 13.5477% | 1,519 |
| Core capital (leverage) ratio | 13.4951% | 1,322 |
| Tier 1 risk-based capital ratio | 13.2765% | 4,006 |
| Total risk-based capital ratio | 13.6027% | 4,580 |
| Memoranda: | ||
| Average total assets | $36,693,000 | 7,391 |
| Average earning assets | $34,502,000 | 7,331 |
| Average equity | $5,012,500 | 7,103 |
| Average total loans | $16,712,000 | 7,548 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9722% | 5,685 |
| Cost of funding earning assets | 2.3146% | 5,086 |
| Net interest margin | 3.6575% | 4,649 |
| Noninterest income to average assets | 0.7400% | 2,843 |
| Noninterest expense to average assets | 2.5846% | 5,704 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.1475% | 1,956 |
| Return on assets (ROA) | 1.1475% | 1,880 |
| Pretax return on assets | 1.6167% | 1,340 |
| Return on Equity (ROE) | 8.7827% | 2,719 |
| Retained earnings to average equity (ytd only) | 2.7292% | 3,484 |
| Net charge-offs to loans | 0.0908% | 5,441 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 40.2000% | 929 |
| Efficiency ratio | 61.5188% | 6,047 |
| Assets per employee ($millions) | 3.5948% | 4,426 |
| Cash dividends to net income (ytd only)* | 68.9252% | 2,226 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6930% | 7,450 |
| Loan loss allowance to noncurrent loans | 87.1212% | 3,869 |
| Noncurrent assets plus other real estate owned to assets | 0.4256% | 5,940 |
| Noncurrent loans to loans | 0.7955% | 5,050 |
| Net loans and leases to total assets | 45.8412% | 7,347 |
| Net loans and leases to deposits | 53.5815% | 7,463 |
| Net loans and leases to core deposits | 68.7771% | 7,256 |
| Total domestic deposits to total assets | 85.5541% | 2,604 |
| Equity capital to assets | 13.7782% | 1,504 |
| Core capital (leverage) ratio | 13.2054% | 1,474 |
| Tier 1 risk-based capital ratio | 13.4784% | 3,833 |
| Total risk-based capital ratio | 13.7989% | 4,310 |
| Memoranda: | ||
| Average total assets | $37,297,800 | 7,335 |
| Average earning assets | $35,297,000 | 7,269 |
| Average equity | $4,873,200 | 7,186 |
| Average total loans | $16,516,800 | 7,552 |