Home > The First National Bank in Falfurrias > Performance and Condition Ratios
The First National Bank in Falfurrias, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5038% | 2,088 |
| Cost of funding earning assets | 0.7903% | 4,144 |
| Net interest margin | 4.7135% | 457 |
| Noninterest income to average assets | 0.4500% | 1,965 |
| Noninterest expense to average assets | 2.6922% | 1,779 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | 1.9534% | 490 |
| Return on assets (ROA) | 1.9534% | 492 |
| Pretax return on assets | 1.9534% | 755 |
| Return on Equity (ROE) | 19.8400% | 453 |
| Retained earnings to average equity (ytd only) | 10.1259% | 1,155 |
| Net charge-offs to loans | 0.0174% | 1,662 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 386.0000% | 245 |
| Efficiency ratio | 57.9521% | 3,175 |
| Assets per employee ($millions) | 4.2787% | 3,996 |
| Cash dividends to net income (ytd only)* | 48.9637% | 1,260 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0283% | 373 |
| Loan loss allowance to noncurrent loans | 1,076.1905% | 658 |
| Noncurrent assets plus other real estate owned to assets | 0.0517% | 3,314 |
| Noncurrent loans to loans | 0.1885% | 2,823 |
| Net loans and leases to total assets | 26.8600% | 4,236 |
| Net loans and leases to deposits | 29.7830% | 4,267 |
| Net loans and leases to core deposits | 31.2964% | 4,254 |
| Total domestic deposits to total assets | 90.1700% | 760 |
| Equity capital to assets | 9.7288% | 2,407 |
| Core capital (leverage) ratio | 10.2207% | 2,633 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $79,043,500 | 3,953 |
| Average earning assets | $70,351,000 | 3,966 |
| Average equity | $7,782,000 | 4,001 |
| Average total loans | $23,044,500 | 4,172 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8837% | 1,459 |
| Cost of funding earning assets | 0.9384% | 4,074 |
| Net interest margin | 4.9453% | 362 |
| Noninterest income to average assets | 0.5000% | 1,933 |
| Noninterest expense to average assets | 2.7329% | 1,673 |
| Loan and lease loss provision to assets | 0.0000% | 3,171 |
| Net operating income to assets | 2.2181% | 291 |
| Return on assets (ROA) | 2.2181% | 293 |
| Pretax return on assets | 2.2181% | 429 |
| Return on Equity (ROE) | 21.6500% | 306 |
| Retained earnings to average equity (ytd only) | 0.5243% | 3,783 |
| Net charge-offs to loans | 0.0835% | 1,312 |
| Credit loss provision to net charge-offs | -60.0000% | 4,330 |
| Earnings coverage of net charge-offs (x) | 67.7200% | 1,032 |
| Efficiency ratio | 55.1998% | 3,633 |
| Assets per employee ($millions) | 3.8396% | 4,133 |
| Cash dividends to net income (ytd only)* | 97.5783% | 280 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9030% | 443 |
| Loan loss allowance to noncurrent loans | 943.7500% | 780 |
| Noncurrent assets plus other real estate owned to assets | 0.0625% | 3,226 |
| Noncurrent loans to loans | 0.2016% | 2,709 |
| Net loans and leases to total assets | 30.4100% | 4,215 |
| Net loans and leases to deposits | 33.8131% | 4,243 |
| Net loans and leases to core deposits | 35.6341% | 4,243 |
| Total domestic deposits to total assets | 89.9300% | 840 |
| Equity capital to assets | 9.9685% | 2,148 |
| Core capital (leverage) ratio | 10.1714% | 2,616 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $76,328,200 | 3,989 |
| Average earning assets | $68,732,400 | 3,992 |
| Average equity | $7,819,800 | 3,987 |
| Average total loans | $29,945,600 | 4,096 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8939% | 1,405 |
| Cost of funding earning assets | 0.9635% | 4,081 |
| Net interest margin | 4.9304% | 363 |
| Noninterest income to average assets | 0.5100% | 1,850 |
| Noninterest expense to average assets | 2.6592% | 1,783 |
| Loan and lease loss provision to assets | 0.0000% | 3,009 |
| Net operating income to assets | 2.2795% | 297 |
| Return on assets (ROA) | 2.2795% | 300 |
| Pretax return on assets | 2.2795% | 439 |
| Return on Equity (ROE) | 22.1000% | 303 |
| Retained earnings to average equity (ytd only) | 9.2946% | 1,030 |
| Net charge-offs to loans | 0.0169% | 2,046 |
| Credit loss provision to net charge-offs | -375.0000% | 4,450 |
| Earnings coverage of net charge-offs (x) | 325.7500% | 358 |
| Efficiency ratio | 53.8434% | 3,736 |
| Assets per employee ($millions) | 4.1646% | 4,065 |
| Cash dividends to net income (ytd only)* | 57.9432% | 1,072 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7326% | 619 |
| Loan loss allowance to noncurrent loans | 894.3396% | 792 |
| Noncurrent assets plus other real estate owned to assets | 0.0707% | 3,226 |
| Noncurrent loans to loans | 0.1937% | 2,769 |
| Net loans and leases to total assets | 35.8600% | 4,142 |
| Net loans and leases to deposits | 40.4295% | 4,182 |
| Net loans and leases to core deposits | 42.3550% | 4,196 |
| Total domestic deposits to total assets | 88.7100% | 1,009 |
| Equity capital to assets | 11.1830% | 1,634 |
| Core capital (leverage) ratio | 11.1516% | 1,956 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $76,212,250 | 4,004 |
| Average earning assets | $68,498,250 | 4,013 |
| Average equity | $7,861,000 | 3,998 |
| Average total loans | $31,481,000 | 4,090 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8654% | 1,355 |
| Cost of funding earning assets | 1.0043% | 4,011 |
| Net interest margin | 4.8611% | 395 |
| Noninterest income to average assets | 0.5200% | 1,764 |
| Noninterest expense to average assets | 2.6883% | 1,709 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 2.1767% | 351 |
| Return on assets (ROA) | 2.1767% | 345 |
| Pretax return on assets | 2.1767% | 501 |
| Return on Equity (ROE) | 21.7000% | 351 |
| Retained earnings to average equity (ytd only) | 13.1130% | 432 |
| Net charge-offs to loans | -0.0061% | 3,859 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 55.2575% | 3,634 |
| Assets per employee ($millions) | 4.2634% | 4,038 |
| Cash dividends to net income (ytd only)* | 39.5683% | 1,823 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5489% | 963 |
| Loan loss allowance to noncurrent loans | 840.3509% | 879 |
| Noncurrent assets plus other real estate owned to assets | 0.0743% | 3,150 |
| Noncurrent loans to loans | 0.1843% | 2,771 |
| Net loans and leases to total assets | 39.6700% | 4,046 |
| Net loans and leases to deposits | 44.3606% | 4,097 |
| Net loans and leases to core deposits | 47.3323% | 4,106 |
| Total domestic deposits to total assets | 89.4300% | 868 |
| Equity capital to assets | 10.4311% | 1,846 |
| Core capital (leverage) ratio | 10.5953% | 2,297 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $76,629,000 | 4,021 |
| Average earning assets | $68,503,667 | 4,028 |
| Average equity | $7,687,000 | 4,004 |
| Average total loans | $32,855,333 | 4,079 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7691% | 1,362 |
| Cost of funding earning assets | 1.0250% | 3,963 |
| Net interest margin | 4.7441% | 439 |
| Noninterest income to average assets | 0.5400% | 1,602 |
| Noninterest expense to average assets | 2.9358% | 1,170 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 1.8336% | 540 |
| Return on assets (ROA) | 1.8336% | 553 |
| Pretax return on assets | 1.8336% | 796 |
| Return on Equity (ROE) | 18.6500% | 546 |
| Retained earnings to average equity (ytd only) | 18.6504% | 243 |
| Net charge-offs to loans | 0.0710% | 884 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 58.5000% | 902 |
| Efficiency ratio | 61.5553% | 3,079 |
| Assets per employee ($millions) | 4.1220% | 4,112 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3907% | 1,421 |
| Loan loss allowance to noncurrent loans | 740.3226% | 1,026 |
| Noncurrent assets plus other real estate owned to assets | 0.0792% | 3,118 |
| Noncurrent loans to loans | 0.1878% | 2,684 |
| Net loans and leases to total assets | 41.5600% | 3,980 |
| Net loans and leases to deposits | 46.1764% | 4,039 |
| Net loans and leases to core deposits | 50.3660% | 4,067 |
| Total domestic deposits to total assets | 90.0000% | 795 |
| Equity capital to assets | 9.8624% | 2,091 |
| Core capital (leverage) ratio | 10.5870% | 2,257 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $76,572,500 | 4,045 |
| Average earning assets | $68,295,000 | 4,055 |
| Average equity | $7,528,000 | 4,039 |
| Average total loans | $33,820,500 | 4,087 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8163% | 2,444 |
| Cost of funding earning assets | 0.9696% | 3,371 |
| Net interest margin | 3.8467% | 1,478 |
| Noninterest income to average assets | 0.5200% | 1,874 |
| Noninterest expense to average assets | 2.4946% | 2,310 |
| Loan and lease loss provision to assets | 0.0700% | 1,699 |
| Net operating income to assets | 1.5478% | 941 |
| Return on assets (ROA) | 1.5478% | 910 |
| Pretax return on assets | 1.5478% | 1,329 |
| Return on Equity (ROE) | 16.2400% | 1,061 |
| Retained earnings to average equity (ytd only) | 0.9776% | 3,841 |
| Net charge-offs to loans | 0.1586% | 659 |
| Credit loss provision to net charge-offs | 96.1538% | 1,886 |
| Earnings coverage of net charge-offs (x) | 23.0000% | 1,799 |
| Efficiency ratio | 60.6967% | 3,002 |
| Assets per employee ($millions) | 4.1571% | 4,104 |
| Cash dividends to net income (ytd only)* | 93.9791% | 331 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4234% | 1,301 |
| Loan loss allowance to noncurrent loans | 704.2857% | 1,144 |
| Noncurrent assets plus other real estate owned to assets | 0.0935% | 2,899 |
| Noncurrent loans to loans | 0.2021% | 2,502 |
| Net loans and leases to total assets | 45.6300% | 3,828 |
| Net loans and leases to deposits | 50.6483% | 3,931 |
| Net loans and leases to core deposits | 55.4235% | 3,934 |
| Total domestic deposits to total assets | 90.0900% | 733 |
| Equity capital to assets | 9.7986% | 2,124 |
| Core capital (leverage) ratio | 10.4660% | 2,372 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $74,040,000 | 4,078 |
| Average earning assets | $69,099,000 | 4,044 |
| Average equity | $7,058,000 | 4,046 |
| Average total loans | $32,776,800 | 4,098 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6419% | 2,582 |
| Cost of funding earning assets | 0.9384% | 3,183 |
| Net interest margin | 3.7035% | 1,768 |
| Noninterest income to average assets | 0.5300% | 1,815 |
| Noninterest expense to average assets | 2.4953% | 2,244 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.5221% | 1,080 |
| Return on assets (ROA) | 1.5221% | 1,068 |
| Pretax return on assets | 1.5221% | 1,515 |
| Return on Equity (ROE) | 16.0800% | 1,244 |
| Retained earnings to average equity (ytd only) | 6.3522% | 2,516 |
| Net charge-offs to loans | 0.0743% | 957 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 46.8333% | 1,349 |
| Efficiency ratio | 62.1124% | 2,700 |
| Assets per employee ($millions) | 4.2834% | 4,052 |
| Cash dividends to net income (ytd only)* | 60.4982% | 918 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4133% | 1,404 |
| Loan loss allowance to noncurrent loans | 644.5946% | 1,198 |
| Noncurrent assets plus other real estate owned to assets | 0.1016% | 2,898 |
| Noncurrent loans to loans | 0.2193% | 2,476 |
| Net loans and leases to total assets | 45.6900% | 3,845 |
| Net loans and leases to deposits | 50.8109% | 3,903 |
| Net loans and leases to core deposits | 55.2864% | 3,889 |
| Total domestic deposits to total assets | 89.9300% | 956 |
| Equity capital to assets | 9.9316% | 1,865 |
| Core capital (leverage) ratio | 11.0014% | 1,991 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $73,843,250 | 4,096 |
| Average earning assets | $69,481,500 | 4,060 |
| Average equity | $6,989,500 | 4,048 |
| Average total loans | $32,312,250 | 4,120 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4257% | 2,823 |
| Cost of funding earning assets | 0.9135% | 2,888 |
| Net interest margin | 3.5122% | 2,234 |
| Noninterest income to average assets | 0.5300% | 1,751 |
| Noninterest expense to average assets | 2.4506% | 2,354 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.4208% | 1,278 |
| Return on assets (ROA) | 1.4208% | 1,259 |
| Pretax return on assets | 1.4208% | 1,759 |
| Return on Equity (ROE) | 15.2600% | 1,419 |
| Retained earnings to average equity (ytd only) | 0.4921% | 3,985 |
| Net charge-offs to loans | 0.0880% | 739 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 37.6429% | 1,434 |
| Efficiency ratio | 63.3008% | 2,562 |
| Assets per employee ($millions) | 4.2882% | 4,063 |
| Cash dividends to net income (ytd only)* | 96.7742% | 353 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4194% | 1,460 |
| Loan loss allowance to noncurrent loans | 586.5854% | 1,383 |
| Noncurrent assets plus other real estate owned to assets | 0.1125% | 2,747 |
| Noncurrent loans to loans | 0.2420% | 2,290 |
| Net loans and leases to total assets | 45.8300% | 3,801 |
| Net loans and leases to deposits | 50.7150% | 3,889 |
| Net loans and leases to core deposits | 55.6079% | 3,829 |
| Total domestic deposits to total assets | 90.3600% | 824 |
| Equity capital to assets | 9.5118% | 2,153 |
| Core capital (leverage) ratio | 10.3784% | 2,412 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $74,185,000 | 4,111 |
| Average earning assets | $70,497,000 | 4,073 |
| Average equity | $6,908,667 | 4,085 |
| Average total loans | $31,833,000 | 4,141 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2011% | 3,042 |
| Cost of funding earning assets | 0.8937% | 2,388 |
| Net interest margin | 3.3074% | 2,860 |
| Noninterest income to average assets | 0.5500% | 1,626 |
| Noninterest expense to average assets | 2.5873% | 1,993 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.0638% | 2,341 |
| Return on assets (ROA) | 1.0638% | 2,310 |
| Pretax return on assets | 1.0638% | 2,818 |
| Return on Equity (ROE) | 11.5400% | 2,341 |
| Retained earnings to average equity (ytd only) | 6.6125% | 2,615 |
| Net charge-offs to loans | 0.0390% | 974 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 66.3333% | 969 |
| Efficiency ratio | 70.8638% | 1,659 |
| Assets per employee ($millions) | 4.1617% | 4,186 |
| Cash dividends to net income (ytd only)* | 42.7136% | 1,379 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5994% | 1,008 |
| Loan loss allowance to noncurrent loans | 552.8090% | 1,515 |
| Noncurrent assets plus other real estate owned to assets | 0.1188% | 2,682 |
| Noncurrent loans to loans | 0.2893% | 2,108 |
| Net loans and leases to total assets | 40.4100% | 4,024 |
| Net loans and leases to deposits | 44.6255% | 4,083 |
| Net loans and leases to core deposits | 49.1611% | 4,014 |
| Total domestic deposits to total assets | 90.5500% | 965 |
| Equity capital to assets | 9.3538% | 2,256 |
| Core capital (leverage) ratio | 10.2755% | 2,427 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $74,828,000 | 4,164 |
| Average earning assets | $70,267,500 | 4,127 |
| Average equity | $6,896,000 | 4,138 |
| Average total loans | $30,805,500 | 4,213 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8790% | 2,041 |
| Cost of funding earning assets | 0.2272% | 3,534 |
| Net interest margin | 3.6518% | 1,488 |
| Noninterest income to average assets | 0.7300% | 1,185 |
| Noninterest expense to average assets | 2.5370% | 2,002 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.1475% | 1,981 |
| Return on assets (ROA) | 1.1475% | 1,923 |
| Pretax return on assets | 1.1475% | 2,615 |
| Return on Equity (ROE) | 12.1900% | 2,080 |
| Retained earnings to average equity (ytd only) | 0.9441% | 4,212 |
| Net charge-offs to loans | -0.0622% | 4,401 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 68.8570% | 1,860 |
| Assets per employee ($millions) | 4.1525% | 4,224 |
| Cash dividends to net income (ytd only)* | 92.2559% | 278 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6045% | 970 |
| Loan loss allowance to noncurrent loans | 521.0526% | 1,549 |
| Noncurrent assets plus other real estate owned to assets | 0.1271% | 2,637 |
| Noncurrent loans to loans | 0.3079% | 2,040 |
| Net loans and leases to total assets | 40.6100% | 4,046 |
| Net loans and leases to deposits | 44.7068% | 4,091 |
| Net loans and leases to core deposits | 48.4262% | 4,045 |
| Total domestic deposits to total assets | 90.8400% | 1,013 |
| Equity capital to assets | 9.0775% | 2,312 |
| Core capital (leverage) ratio | 10.0139% | 2,625 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $77,650,200 | 4,153 |
| Average earning assets | $62,928,400 | 4,229 |
| Average equity | $7,308,200 | 4,175 |
| Average total loans | $32,150,400 | 4,206 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8316% | 1,656 |
| Cost of funding earning assets | 0.1795% | 3,524 |
| Net interest margin | 3.6520% | 1,262 |
| Noninterest income to average assets | 0.8000% | 1,027 |
| Noninterest expense to average assets | 2.5398% | 1,892 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.1006% | 2,091 |
| Return on assets (ROA) | 1.1006% | 2,059 |
| Pretax return on assets | 1.1006% | 2,722 |
| Return on Equity (ROE) | 11.6000% | 2,171 |
| Retained earnings to average equity (ytd only) | 5.6637% | 2,870 |
| Net charge-offs to loans | -0.1314% | 4,558 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 69.7664% | 1,788 |
| Assets per employee ($millions) | 4.3349% | 4,161 |
| Cash dividends to net income (ytd only)* | 51.1592% | 1,151 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6407% | 988 |
| Loan loss allowance to noncurrent loans | 444.7368% | 1,711 |
| Noncurrent assets plus other real estate owned to assets | 0.1547% | 2,533 |
| Noncurrent loans to loans | 0.3689% | 1,917 |
| Net loans and leases to total assets | 41.2400% | 4,016 |
| Net loans and leases to deposits | 45.6257% | 4,042 |
| Net loans and leases to core deposits | 49.0931% | 3,995 |
| Total domestic deposits to total assets | 90.4000% | 1,472 |
| Equity capital to assets | 9.5328% | 1,861 |
| Core capital (leverage) ratio | 10.5018% | 2,114 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $78,376,500 | 4,179 |
| Average earning assets | $60,896,250 | 4,280 |
| Average equity | $7,439,000 | 4,198 |
| Average total loans | $32,475,500 | 4,224 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9273% | 1,061 |
| Cost of funding earning assets | 0.1476% | 3,608 |
| Net interest margin | 3.7797% | 786 |
| Noninterest income to average assets | 0.9482% | 752 |
| Noninterest expense to average assets | 2.4894% | 1,964 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.2134% | 1,388 |
| Return on assets (ROA) | 1.2134% | 1,375 |
| Pretax return on assets | 1.2134% | 2,032 |
| Return on Equity (ROE) | 12.8019% | 1,438 |
| Retained earnings to average equity (ytd only) | 4.0649% | 3,057 |
| Net charge-offs to loans | -0.2303% | 4,609 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2297% | 2,349 |
| Assets per employee ($millions) | 3.9664% | 4,382 |
| Cash dividends to net income (ytd only)* | 68.2474% | 868 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5697% | 1,221 |
| Loan loss allowance to noncurrent loans | 479.4393% | 1,599 |
| Noncurrent assets plus other real estate owned to assets | 0.1420% | 2,731 |
| Noncurrent loans to loans | 0.3274% | 2,165 |
| Net loans and leases to total assets | 42.6865% | 3,922 |
| Net loans and leases to deposits | 47.1928% | 3,974 |
| Net loans and leases to core deposits | 51.0879% | 3,872 |
| Total domestic deposits to total assets | 90.4513% | 1,490 |
| Equity capital to assets | 9.4916% | 2,022 |
| Core capital (leverage) ratio | 9.9512% | 2,445 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $79,937,667 | 4,203 |
| Average earning assets | $58,258,667 | 4,375 |
| Average equity | $7,577,000 | 4,247 |
| Average total loans | $33,000,333 | 4,264 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3985% | 381 |
| Cost of funding earning assets | 0.1098% | 4,015 |
| Net interest margin | 4.2887% | 243 |
| Noninterest income to average assets | 0.4281% | 2,510 |
| Noninterest expense to average assets | 2.3983% | 2,173 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.8805% | 2,361 |
| Return on assets (ROA) | 0.8805% | 2,362 |
| Pretax return on assets | 0.8805% | 2,852 |
| Return on Equity (ROE) | 9.2952% | 2,214 |
| Retained earnings to average equity (ytd only) | 9.2952% | 1,187 |
| Net charge-offs to loans | -0.4705% | 4,707 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1454% | 1,843 |
| Assets per employee ($millions) | 5.0347% | 3,723 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5274% | 1,469 |
| Loan loss allowance to noncurrent loans | 450.8772% | 1,603 |
| Noncurrent assets plus other real estate owned to assets | 0.1415% | 2,802 |
| Noncurrent loans to loans | 0.3388% | 2,269 |
| Net loans and leases to total assets | 41.1371% | 3,942 |
| Net loans and leases to deposits | 45.6522% | 3,998 |
| Net loans and leases to core deposits | 49.1713% | 3,917 |
| Total domestic deposits to total assets | 90.1099% | 1,496 |
| Equity capital to assets | 9.5934% | 2,214 |
| Core capital (leverage) ratio | 9.4540% | 2,850 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $82,226,000 | 4,192 |
| Average earning assets | $54,655,500 | 4,438 |
| Average equity | $7,789,000 | 4,288 |
| Average total loans | $33,159,500 | 4,275 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9075% | 1,590 |
| Cost of funding earning assets | 0.2709% | 2,694 |
| Net interest margin | 3.6366% | 1,374 |
| Noninterest income to average assets | 0.4806% | 2,677 |
| Noninterest expense to average assets | 2.0956% | 3,402 |
| Loan and lease loss provision to assets | 0.2501% | 371 |
| Net operating income to assets | 1.3833% | 1,337 |
| Return on assets (ROA) | 1.3833% | 1,391 |
| Pretax return on assets | 1.3833% | 2,105 |
| Return on Equity (ROE) | 14.7801% | 999 |
| Retained earnings to average equity (ytd only) | 0.3186% | 4,409 |
| Net charge-offs to loans | 0.0178% | 1,926 |
| Credit loss provision to net charge-offs | 3,114.2857% | 218 |
| Earnings coverage of net charge-offs (x) | 203.4286% | 537 |
| Efficiency ratio | 56.1981% | 3,684 |
| Assets per employee ($millions) | 4.9351% | 3,792 |
| Cash dividends to net income (ytd only)* | 97.8441% | 237 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4541% | 1,716 |
| Loan loss allowance to noncurrent loans | 5,937.5000% | 225 |
| Noncurrent assets plus other real estate owned to assets | 0.0095% | 4,056 |
| Noncurrent loans to loans | 0.0245% | 3,895 |
| Net loans and leases to total assets | 38.3709% | 4,168 |
| Net loans and leases to deposits | 42.4624% | 4,252 |
| Net loans and leases to core deposits | 44.4684% | 4,251 |
| Total domestic deposits to total assets | 90.3644% | 778 |
| Equity capital to assets | 9.3567% | 3,267 |
| Core capital (leverage) ratio | 9.4492% | 2,920 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $87,182,400 | 4,130 |
| Average earning assets | $77,875,800 | 4,156 |
| Average equity | $8,159,600 | 4,317 |
| Average total loans | $39,308,400 | 4,209 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9109% | 1,731 |
| Cost of funding earning assets | 0.3174% | 2,430 |
| Net interest margin | 3.5935% | 1,612 |
| Noninterest income to average assets | 0.5030% | 2,611 |
| Noninterest expense to average assets | 2.0635% | 3,476 |
| Loan and lease loss provision to assets | 0.1329% | 861 |
| Net operating income to assets | 1.7362% | 759 |
| Return on assets (ROA) | 1.7362% | 794 |
| Pretax return on assets | 1.7362% | 1,314 |
| Return on Equity (ROE) | 18.5500% | 562 |
| Retained earnings to average equity (ytd only) | 11.0555% | 1,054 |
| Net charge-offs to loans | 0.0293% | 1,463 |
| Credit loss provision to net charge-offs | 977.7778% | 521 |
| Earnings coverage of net charge-offs (x) | 137.1111% | 716 |
| Efficiency ratio | 52.4653% | 3,988 |
| Assets per employee ($millions) | 4.3784% | 4,201 |
| Cash dividends to net income (ytd only)* | 40.4014% | 1,596 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9045% | 4,140 |
| Loan loss allowance to noncurrent loans | 3,430.0000% | 308 |
| Noncurrent assets plus other real estate owned to assets | 0.0127% | 4,139 |
| Noncurrent loans to loans | 0.0264% | 4,007 |
| Net loans and leases to total assets | 47.6824% | 3,656 |
| Net loans and leases to deposits | 53.7012% | 3,768 |
| Net loans and leases to core deposits | 56.4597% | 3,739 |
| Total domestic deposits to total assets | 88.7922% | 1,403 |
| Equity capital to assets | 10.8881% | 2,091 |
| Core capital (leverage) ratio | 9.6383% | 2,869 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $88,003,750 | 4,167 |
| Average earning assets | $84,001,750 | 4,134 |
| Average equity | $8,237,000 | 4,373 |
| Average total loans | $40,968,750 | 4,220 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7079% | 2,309 |
| Cost of funding earning assets | 0.3623% | 2,204 |
| Net interest margin | 3.3456% | 2,313 |
| Noninterest income to average assets | 0.5732% | 2,323 |
| Noninterest expense to average assets | 1.9985% | 3,701 |
| Loan and lease loss provision to assets | 0.1933% | 579 |
| Net operating income to assets | 1.5856% | 1,080 |
| Return on assets (ROA) | 1.5856% | 1,138 |
| Pretax return on assets | 1.5856% | 1,776 |
| Return on Equity (ROE) | 17.7781% | 678 |
| Retained earnings to average equity (ytd only) | 6.3775% | 2,665 |
| Net charge-offs to loans | -0.0476% | 4,352 |
| Credit loss provision to net charge-offs | -880.0000% | 3,620 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.9070% | 3,940 |
| Assets per employee ($millions) | 5.0981% | 3,563 |
| Cash dividends to net income (ytd only)* | 64.1274% | 819 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7431% | 4,463 |
| Loan loss allowance to noncurrent loans | 603.3333% | 1,105 |
| Noncurrent assets plus other real estate owned to assets | 0.0654% | 3,779 |
| Noncurrent loans to loans | 0.1232% | 3,575 |
| Net loans and leases to total assets | 52.6955% | 3,281 |
| Net loans and leases to deposits | 60.3507% | 3,366 |
| Net loans and leases to core deposits | 64.0011% | 3,285 |
| Total domestic deposits to total assets | 87.3154% | 2,164 |
| Equity capital to assets | 8.9184% | 3,871 |
| Core capital (leverage) ratio | 9.0763% | 3,369 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $91,068,000 | 4,161 |
| Average earning assets | $87,220,333 | 4,123 |
| Average equity | $8,122,333 | 4,403 |
| Average total loans | $41,984,333 | 4,231 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1282% | 3,833 |
| Cost of funding earning assets | 0.3991% | 2,103 |
| Net interest margin | 2.7291% | 3,902 |
| Noninterest income to average assets | 0.4012% | 3,083 |
| Noninterest expense to average assets | 2.0723% | 3,503 |
| Loan and lease loss provision to assets | 0.3880% | 206 |
| Net operating income to assets | 0.5644% | 4,031 |
| Return on assets (ROA) | 0.5644% | 4,082 |
| Pretax return on assets | 0.5644% | 4,253 |
| Return on Equity (ROE) | 6.3276% | 3,768 |
| Retained earnings to average equity (ytd only) | 6.3276% | 2,785 |
| Net charge-offs to loans | 0.0104% | 1,555 |
| Credit loss provision to net charge-offs | 8,800.0000% | 70 |
| Earnings coverage of net charge-offs (x) | 216.0000% | 379 |
| Efficiency ratio | 68.5131% | 1,870 |
| Assets per employee ($millions) | 5.1987% | 3,430 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7110% | 4,553 |
| Loan loss allowance to noncurrent loans | 531.8182% | 1,121 |
| Noncurrent assets plus other real estate owned to assets | 0.0705% | 3,868 |
| Noncurrent loans to loans | 0.1337% | 3,645 |
| Net loans and leases to total assets | 52.3783% | 3,406 |
| Net loans and leases to deposits | 64.5371% | 3,075 |
| Net loans and leases to core deposits | 68.6692% | 2,999 |
| Total domestic deposits to total assets | 81.1599% | 4,044 |
| Equity capital to assets | 8.6560% | 3,995 |
| Core capital (leverage) ratio | 9.3338% | 3,221 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $90,719,500 | 4,177 |
| Average earning assets | $87,207,000 | 4,132 |
| Average equity | $8,091,500 | 4,423 |
| Average total loans | $38,617,500 | 4,329 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0977% | 4,567 |
| Cost of funding earning assets | 0.5023% | 2,932 |
| Net interest margin | 2.5954% | 4,503 |
| Noninterest income to average assets | 0.4328% | 2,944 |
| Noninterest expense to average assets | 2.1603% | 3,783 |
| Loan and lease loss provision to assets | 0.0236% | 4,104 |
| Net operating income to assets | 0.7355% | 3,315 |
| Return on assets (ROA) | 0.7355% | 3,437 |
| Pretax return on assets | 0.7355% | 3,800 |
| Return on Equity (ROE) | 7.5246% | 2,989 |
| Retained earnings to average equity (ytd only) | -0.6412% | 4,603 |
| Net charge-offs to loans | 0.0660% | 1,837 |
| Credit loss provision to net charge-offs | 125.0000% | 2,596 |
| Earnings coverage of net charge-offs (x) | 40.1250% | 1,391 |
| Efficiency ratio | 73.9976% | 1,444 |
| Assets per employee ($millions) | 4.6243% | 3,788 |
| Cash dividends to net income (ytd only)* | 108.5209% | 197 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9473% | 4,051 |
| Loan loss allowance to noncurrent loans | 138.2199% | 2,908 |
| Noncurrent assets plus other real estate owned to assets | 0.2174% | 3,206 |
| Noncurrent loans to loans | 0.6853% | 1,972 |
| Net loans and leases to total assets | 31.4197% | 4,720 |
| Net loans and leases to deposits | 37.2923% | 4,712 |
| Net loans and leases to core deposits | 39.0417% | 4,720 |
| Total domestic deposits to total assets | 84.2526% | 3,031 |
| Equity capital to assets | 9.1997% | 3,887 |
| Core capital (leverage) ratio | 9.6975% | 2,913 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $84,570,400 | 4,195 |
| Average earning assets | $81,028,400 | 4,151 |
| Average equity | $8,266,200 | 4,393 |
| Average total loans | $24,237,400 | 4,634 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3483% | 4,416 |
| Cost of funding earning assets | 0.5213% | 3,108 |
| Net interest margin | 2.8271% | 4,295 |
| Noninterest income to average assets | 0.4283% | 2,944 |
| Noninterest expense to average assets | 2.1700% | 3,750 |
| Loan and lease loss provision to assets | 0.0322% | 3,931 |
| Net operating income to assets | 0.9377% | 2,574 |
| Return on assets (ROA) | 0.9377% | 2,703 |
| Pretax return on assets | 0.9377% | 3,274 |
| Return on Equity (ROE) | 9.4480% | 2,232 |
| Retained earnings to average equity (ytd only) | 2.1013% | 3,895 |
| Net charge-offs to loans | 0.1486% | 988 |
| Credit loss provision to net charge-offs | 76.9231% | 2,777 |
| Earnings coverage of net charge-offs (x) | 23.4231% | 1,796 |
| Efficiency ratio | 69.1176% | 2,020 |
| Assets per employee ($millions) | 4.6896% | 3,613 |
| Cash dividends to net income (ytd only)* | 77.7589% | 639 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8487% | 4,229 |
| Loan loss allowance to noncurrent loans | 126.3682% | 2,960 |
| Noncurrent assets plus other real estate owned to assets | 0.2381% | 3,255 |
| Noncurrent loans to loans | 0.6716% | 2,105 |
| Net loans and leases to total assets | 35.1526% | 4,711 |
| Net loans and leases to deposits | 44.2366% | 4,651 |
| Net loans and leases to core deposits | 46.5364% | 4,656 |
| Total domestic deposits to total assets | 79.4650% | 3,967 |
| Equity capital to assets | 10.0329% | 3,199 |
| Core capital (leverage) ratio | 10.1018% | 2,619 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $83,747,500 | 4,204 |
| Average earning assets | $80,317,000 | 4,162 |
| Average equity | $8,312,000 | 4,410 |
| Average total loans | $23,329,250 | 4,685 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7204% | 4,041 |
| Cost of funding earning assets | 0.5814% | 3,074 |
| Net interest margin | 3.1390% | 3,813 |
| Noninterest income to average assets | 0.4430% | 2,839 |
| Noninterest expense to average assets | 2.2556% | 3,641 |
| Loan and lease loss provision to assets | 0.0479% | 3,700 |
| Net operating income to assets | 1.1517% | 1,791 |
| Return on assets (ROA) | 1.1517% | 1,924 |
| Pretax return on assets | 1.1517% | 2,541 |
| Return on Equity (ROE) | 11.6470% | 1,437 |
| Retained earnings to average equity (ytd only) | 0.5811% | 4,194 |
| Net charge-offs to loans | 0.2461% | 639 |
| Credit loss provision to net charge-offs | 76.9231% | 2,518 |
| Earnings coverage of net charge-offs (x) | 19.2692% | 1,733 |
| Efficiency ratio | 65.2807% | 2,617 |
| Assets per employee ($millions) | 5.0474% | 3,114 |
| Cash dividends to net income (ytd only)* | 95.0104% | 530 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8914% | 4,030 |
| Loan loss allowance to noncurrent loans | 120.3791% | 2,955 |
| Noncurrent assets plus other real estate owned to assets | 0.2322% | 3,398 |
| Noncurrent loans to loans | 0.7405% | 2,028 |
| Net loans and leases to total assets | 31.0832% | 4,837 |
| Net loans and leases to deposits | 38.4291% | 4,824 |
| Net loans and leases to core deposits | 41.6550% | 4,801 |
| Total domestic deposits to total assets | 80.8845% | 3,634 |
| Equity capital to assets | 9.3349% | 3,796 |
| Core capital (leverage) ratio | 8.9608% | 3,942 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $83,526,000 | 4,215 |
| Average earning assets | $80,152,000 | 4,169 |
| Average equity | $8,259,667 | 4,434 |
| Average total loans | $21,130,000 | 4,748 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0570% | 4,929 |
| Cost of funding earning assets | 0.6573% | 3,133 |
| Net interest margin | 2.3997% | 4,877 |
| Noninterest income to average assets | 0.5560% | 2,245 |
| Noninterest expense to average assets | 2.4592% | 3,393 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.4007% | 4,133 |
| Return on assets (ROA) | 0.4007% | 4,171 |
| Pretax return on assets | 0.4007% | 4,294 |
| Return on Equity (ROE) | 3.9269% | 3,970 |
| Retained earnings to average equity (ytd only) | 0.1963% | 3,945 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.9895% | 708 |
| Assets per employee ($millions) | 4.2544% | 3,590 |
| Cash dividends to net income (ytd only)* | 95.0000% | 806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3822% | 1,765 |
| Loan loss allowance to noncurrent loans | 103.1746% | 3,196 |
| Noncurrent assets plus other real estate owned to assets | 0.3118% | 3,192 |
| Noncurrent loans to loans | 1.3397% | 1,208 |
| Net loans and leases to total assets | 22.9483% | 4,986 |
| Net loans and leases to deposits | 25.6797% | 5,004 |
| Net loans and leases to core deposits | 27.2594% | 4,999 |
| Total domestic deposits to total assets | 89.3634% | 526 |
| Equity capital to assets | 10.3137% | 3,509 |
| Core capital (leverage) ratio | 9.7555% | 3,700 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $79,862,500 | 4,269 |
| Average earning assets | $76,675,500 | 4,220 |
| Average equity | $8,149,000 | 4,471 |
| Average total loans | $17,448,000 | 4,858 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3408% | 4,944 |
| Cost of funding earning assets | 0.5772% | 3,731 |
| Net interest margin | 2.7636% | 4,782 |
| Noninterest income to average assets | 0.5476% | 2,496 |
| Noninterest expense to average assets | 2.4023% | 3,689 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.7978% | 3,563 |
| Return on assets (ROA) | 0.7978% | 3,648 |
| Pretax return on assets | 0.7978% | 3,976 |
| Return on Equity (ROE) | 7.8767% | 3,215 |
| Retained earnings to average equity (ytd only) | 0.6679% | 4,500 |
| Net charge-offs to loans | -0.1183% | 4,977 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.0698% | 1,476 |
| Assets per employee ($millions) | 4.1522% | 3,697 |
| Cash dividends to net income (ytd only)* | 91.5200% | 489 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6163% | 945 |
| Loan loss allowance to noncurrent loans | 83.8710% | 3,527 |
| Noncurrent assets plus other real estate owned to assets | 0.3929% | 2,830 |
| Noncurrent loans to loans | 1.9271% | 677 |
| Net loans and leases to total assets | 20.0606% | 5,075 |
| Net loans and leases to deposits | 22.3993% | 5,089 |
| Net loans and leases to core deposits | 23.7963% | 5,080 |
| Total domestic deposits to total assets | 89.5590% | 472 |
| Equity capital to assets | 10.0911% | 3,841 |
| Core capital (leverage) ratio | 10.0457% | 3,463 |
| Tier 1 risk-based capital ratio | 36.8031% | 295 |
| Total risk-based capital ratio | 38.0294% | 290 |
| Memoranda: | ||
| Average total assets | $78,343,200 | 4,315 |
| Average earning assets | $75,191,800 | 4,265 |
| Average equity | $7,934,800 | 4,516 |
| Average total loans | $16,058,200 | 4,947 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3509% | 5,045 |
| Cost of funding earning assets | 0.5475% | 3,944 |
| Net interest margin | 2.8034% | 4,859 |
| Noninterest income to average assets | 0.5456% | 2,485 |
| Noninterest expense to average assets | 2.3936% | 3,703 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.8405% | 3,546 |
| Return on assets (ROA) | 0.8405% | 3,630 |
| Pretax return on assets | 0.8405% | 4,036 |
| Return on Equity (ROE) | 8.2909% | 3,195 |
| Retained earnings to average equity (ytd only) | 3.4811% | 3,667 |
| Net charge-offs to loans | -0.1246% | 5,033 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0116% | 1,570 |
| Assets per employee ($millions) | 4.0217% | 3,872 |
| Cash dividends to net income (ytd only)* | 58.0113% | 1,370 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6110% | 977 |
| Loan loss allowance to noncurrent loans | 79.3210% | 3,660 |
| Noncurrent assets plus other real estate owned to assets | 0.4240% | 2,812 |
| Noncurrent loans to loans | 2.0310% | 663 |
| Net loans and leases to total assets | 20.5410% | 5,157 |
| Net loans and leases to deposits | 23.0898% | 5,164 |
| Net loans and leases to core deposits | 25.3308% | 5,155 |
| Total domestic deposits to total assets | 88.9613% | 622 |
| Equity capital to assets | 10.6291% | 3,436 |
| Core capital (leverage) ratio | 10.6680% | 2,959 |
| Tier 1 risk-based capital ratio | 40.1265% | 240 |
| Total risk-based capital ratio | 41.3912% | 237 |
| Memoranda: | ||
| Average total assets | $78,206,250 | 4,370 |
| Average earning assets | $75,001,750 | 4,324 |
| Average equity | $7,928,250 | 4,569 |
| Average total loans | $16,051,250 | 5,021 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3451% | 5,109 |
| Cost of funding earning assets | 0.5122% | 4,061 |
| Net interest margin | 2.8329% | 4,889 |
| Noninterest income to average assets | 0.5480% | 2,396 |
| Noninterest expense to average assets | 2.4737% | 3,564 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.7967% | 3,668 |
| Return on assets (ROA) | 0.7967% | 3,727 |
| Pretax return on assets | 0.7967% | 4,102 |
| Return on Equity (ROE) | 7.9605% | 3,311 |
| Retained earnings to average equity (ytd only) | 0.7098% | 4,507 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.6400% | 1,441 |
| Assets per employee ($millions) | 4.0625% | 3,786 |
| Cash dividends to net income (ytd only)* | 91.0828% | 586 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8694% | 603 |
| Loan loss allowance to noncurrent loans | 57.3810% | 4,056 |
| Noncurrent assets plus other real estate owned to assets | 0.5441% | 2,378 |
| Noncurrent loans to loans | 3.2578% | 285 |
| Net loans and leases to total assets | 16.3901% | 5,222 |
| Net loans and leases to deposits | 18.3617% | 5,227 |
| Net loans and leases to core deposits | 19.2724% | 5,225 |
| Total domestic deposits to total assets | 89.2624% | 562 |
| Equity capital to assets | 10.3644% | 3,637 |
| Core capital (leverage) ratio | 9.9605% | 3,625 |
| Tier 1 risk-based capital ratio | 45.1335% | 174 |
| Total risk-based capital ratio | 46.3819% | 173 |
| Memoranda: | ||
| Average total assets | $78,829,330 | 4,395 |
| Average earning assets | $75,753,330 | 4,337 |
| Average equity | $7,889,000 | 4,597 |
| Average total loans | $16,084,000 | 5,065 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4393% | 5,092 |
| Cost of funding earning assets | 0.4719% | 4,195 |
| Net interest margin | 2.9674% | 4,793 |
| Noninterest income to average assets | 0.5775% | 2,150 |
| Noninterest expense to average assets | 2.4959% | 3,525 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.9240% | 3,144 |
| Return on assets (ROA) | 0.9240% | 3,180 |
| Pretax return on assets | 0.9240% | 3,679 |
| Return on Equity (ROE) | 9.3955% | 2,629 |
| Retained earnings to average equity (ytd only) | 9.3955% | 1,192 |
| Net charge-offs to loans | -0.1357% | 5,101 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9809% | 1,886 |
| Assets per employee ($millions) | 4.0317% | 3,872 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4696% | 1,440 |
| Loan loss allowance to noncurrent loans | 60.2439% | 4,073 |
| Noncurrent assets plus other real estate owned to assets | 0.5085% | 2,589 |
| Noncurrent loans to loans | 2.4395% | 546 |
| Net loans and leases to total assets | 20.5375% | 5,256 |
| Net loans and leases to deposits | 22.8732% | 5,266 |
| Net loans and leases to core deposits | 23.8600% | 5,264 |
| Total domestic deposits to total assets | 89.7883% | 531 |
| Equity capital to assets | 9.8843% | 3,933 |
| Core capital (leverage) ratio | 9.8465% | 3,769 |
| Tier 1 risk-based capital ratio | 40.4274% | 230 |
| Total risk-based capital ratio | 41.6760% | 226 |
| Memoranda: | ||
| Average total assets | $79,650,500 | 4,419 |
| Average earning assets | $76,295,000 | 4,367 |
| Average equity | $7,833,500 | 4,635 |
| Average total loans | $17,680,000 | 5,087 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1234% | 5,182 |
| Cost of funding earning assets | 0.3805% | 4,102 |
| Net interest margin | 2.7429% | 5,067 |
| Noninterest income to average assets | 0.6330% | 2,139 |
| Noninterest expense to average assets | 2.6024% | 3,327 |
| Loan and lease loss provision to assets | 0.1368% | 1,570 |
| Net operating income to assets | 0.5041% | 4,654 |
| Return on assets (ROA) | 0.5041% | 4,657 |
| Pretax return on assets | 0.5041% | 4,789 |
| Return on Equity (ROE) | 5.0213% | 4,450 |
| Retained earnings to average equity (ytd only) | 0.3114% | 4,907 |
| Net charge-offs to loans | 0.6661% | 252 |
| Credit loss provision to net charge-offs | 82.0313% | 2,836 |
| Earnings coverage of net charge-offs (x) | 3.8438% | 3,373 |
| Efficiency ratio | 80.2410% | 940 |
| Assets per employee ($millions) | 3.7461% | 4,255 |
| Cash dividends to net income (ytd only)* | 93.7984% | 369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2990% | 2,042 |
| Loan loss allowance to noncurrent loans | 67.6966% | 3,961 |
| Noncurrent assets plus other real estate owned to assets | 0.4525% | 2,752 |
| Noncurrent loans to loans | 1.9188% | 715 |
| Net loans and leases to total assets | 23.2776% | 5,286 |
| Net loans and leases to deposits | 25.8933% | 5,294 |
| Net loans and leases to core deposits | 26.9357% | 5,295 |
| Total domestic deposits to total assets | 89.8981% | 510 |
| Equity capital to assets | 9.7842% | 3,875 |
| Core capital (leverage) ratio | 10.2805% | 3,271 |
| Tier 1 risk-based capital ratio | 39.2722% | 241 |
| Total risk-based capital ratio | 40.4886% | 239 |
| Memoranda: | ||
| Average total assets | $76,774,200 | 4,489 |
| Average earning assets | $73,062,200 | 4,439 |
| Average equity | $7,707,200 | 4,648 |
| Average total loans | $19,215,000 | 5,094 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0460% | 5,268 |
| Cost of funding earning assets | 0.3672% | 4,070 |
| Net interest margin | 2.6788% | 5,181 |
| Noninterest income to average assets | 0.6448% | 2,099 |
| Noninterest expense to average assets | 2.5967% | 3,287 |
| Loan and lease loss provision to assets | 0.1311% | 1,538 |
| Net operating income to assets | 0.4666% | 4,826 |
| Return on assets (ROA) | 0.4666% | 4,835 |
| Pretax return on assets | 0.4666% | 4,947 |
| Return on Equity (ROE) | 4.6174% | 4,668 |
| Retained earnings to average equity (ytd only) | 2.6286% | 4,360 |
| Net charge-offs to loans | 0.6329% | 228 |
| Credit loss provision to net charge-offs | 81.5217% | 2,512 |
| Earnings coverage of net charge-offs (x) | 3.7175% | 3,134 |
| Efficiency ratio | 81.2910% | 831 |
| Assets per employee ($millions) | 3.4361% | 4,643 |
| Cash dividends to net income (ytd only)* | 43.0714% | 1,906 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3330% | 1,947 |
| Loan loss allowance to noncurrent loans | 68.8022% | 4,019 |
| Noncurrent assets plus other real estate owned to assets | 0.4975% | 2,712 |
| Noncurrent loans to loans | 1.9374% | 777 |
| Net loans and leases to total assets | 25.3371% | 5,332 |
| Net loans and leases to deposits | 28.4968% | 5,358 |
| Net loans and leases to core deposits | 29.4067% | 5,353 |
| Total domestic deposits to total assets | 88.9120% | 871 |
| Equity capital to assets | 10.7651% | 2,880 |
| Core capital (leverage) ratio | 10.4474% | 3,133 |
| Tier 1 risk-based capital ratio | 37.4391% | 264 |
| Total risk-based capital ratio | 38.6083% | 263 |
| Memoranda: | ||
| Average total assets | $76,300,750 | 4,542 |
| Average earning assets | $72,617,250 | 4,494 |
| Average equity | $7,709,750 | 4,696 |
| Average total loans | $19,380,500 | 5,150 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9675% | 5,345 |
| Cost of funding earning assets | 0.3719% | 3,926 |
| Net interest margin | 2.5955% | 5,279 |
| Noninterest income to average assets | 0.6359% | 2,153 |
| Noninterest expense to average assets | 2.5412% | 3,511 |
| Loan and lease loss provision to assets | 0.1931% | 894 |
| Net operating income to assets | 0.3810% | 4,993 |
| Return on assets (ROA) | 0.3810% | 4,997 |
| Pretax return on assets | 0.3810% | 5,069 |
| Return on Equity (ROE) | 3.8490% | 4,857 |
| Retained earnings to average equity (ytd only) | 3.8490% | 3,677 |
| Net charge-offs to loans | 0.8035% | 171 |
| Credit loss provision to net charge-offs | 94.9367% | 2,117 |
| Earnings coverage of net charge-offs (x) | 2.8228% | 2,944 |
| Efficiency ratio | 81.5702% | 866 |
| Assets per employee ($millions) | 3.4906% | 4,608 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3102% | 2,115 |
| Loan loss allowance to noncurrent loans | 69.7051% | 4,009 |
| Noncurrent assets plus other real estate owned to assets | 0.5088% | 2,719 |
| Noncurrent loans to loans | 1.8796% | 819 |
| Net loans and leases to total assets | 26.7179% | 5,375 |
| Net loans and leases to deposits | 29.9735% | 5,395 |
| Net loans and leases to core deposits | 31.1580% | 5,395 |
| Total domestic deposits to total assets | 89.1382% | 875 |
| Equity capital to assets | 10.5726% | 3,049 |
| Core capital (leverage) ratio | 10.4543% | 3,076 |
| Tier 1 risk-based capital ratio | 36.1091% | 301 |
| Total risk-based capital ratio | 37.2948% | 295 |
| Memoranda: | ||
| Average total assets | $77,681,330 | 4,556 |
| Average earning assets | $74,204,670 | 4,500 |
| Average equity | $7,690,330 | 4,748 |
| Average total loans | $19,664,000 | 5,206 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8813% | 5,421 |
| Cost of funding earning assets | 0.3713% | 3,820 |
| Net interest margin | 2.5101% | 5,386 |
| Noninterest income to average assets | 0.6711% | 1,954 |
| Noninterest expense to average assets | 2.5041% | 3,630 |
| Loan and lease loss provision to assets | 0.2754% | 496 |
| Net operating income to assets | 0.2955% | 5,102 |
| Return on assets (ROA) | 0.2955% | 5,103 |
| Pretax return on assets | 0.2955% | 5,173 |
| Return on Equity (ROE) | 3.0807% | 5,005 |
| Retained earnings to average equity (ytd only) | 3.0807% | 3,975 |
| Net charge-offs to loans | 1.4714% | 96 |
| Credit loss provision to net charge-offs | 76.3889% | 1,778 |
| Earnings coverage of net charge-offs (x) | 1.5833% | 2,542 |
| Efficiency ratio | 81.4332% | 1,007 |
| Assets per employee ($millions) | 3.8763% | 4,186 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2303% | 2,627 |
| Loan loss allowance to noncurrent loans | 114.8837% | 3,202 |
| Noncurrent assets plus other real estate owned to assets | 0.2641% | 3,811 |
| Noncurrent loans to loans | 1.0709% | 1,710 |
| Net loans and leases to total assets | 24.3594% | 5,463 |
| Net loans and leases to deposits | 27.3946% | 5,477 |
| Net loans and leases to core deposits | 28.3673% | 5,477 |
| Total domestic deposits to total assets | 88.9204% | 1,133 |
| Equity capital to assets | 9.4003% | 4,182 |
| Core capital (leverage) ratio | 10.0452% | 3,478 |
| Tier 1 risk-based capital ratio | 36.1435% | 302 |
| Total risk-based capital ratio | 37.2851% | 299 |
| Memoranda: | ||
| Average total assets | $79,870,500 | 4,569 |
| Average earning assets | $76,492,000 | 4,518 |
| Average equity | $7,660,500 | 4,802 |
| Average total loans | $19,573,500 | 5,265 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9102% | 5,407 |
| Cost of funding earning assets | 0.1789% | 5,102 |
| Net interest margin | 2.7312% | 5,247 |
| Noninterest income to average assets | 0.8889% | 1,306 |
| Noninterest expense to average assets | 2.7706% | 2,888 |
| Loan and lease loss provision to assets | 0.4993% | 262 |
| Net operating income to assets | 0.2179% | 5,072 |
| Return on assets (ROA) | 0.2179% | 5,096 |
| Pretax return on assets | 0.2179% | 5,293 |
| Return on Equity (ROE) | 1.9523% | 5,064 |
| Retained earnings to average equity (ytd only) | -0.2715% | 5,075 |
| Net charge-offs to loans | 1.4068% | 114 |
| Credit loss provision to net charge-offs | 136.2205% | 1,941 |
| Earnings coverage of net charge-offs (x) | 1.9567% | 3,824 |
| Efficiency ratio | 79.4373% | 1,167 |
| Assets per employee ($millions) | 3.5614% | 4,620 |
| Cash dividends to net income (ytd only)* | 113.9073% | 241 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3843% | 1,824 |
| Loan loss allowance to noncurrent loans | 74.5763% | 4,005 |
| Noncurrent assets plus other real estate owned to assets | 0.4518% | 3,060 |
| Noncurrent loans to loans | 1.8562% | 853 |
| Net loans and leases to total assets | 24.0035% | 5,533 |
| Net loans and leases to deposits | 26.7354% | 5,549 |
| Net loans and leases to core deposits | 27.4290% | 5,555 |
| Total domestic deposits to total assets | 89.7819% | 646 |
| Equity capital to assets | 9.8033% | 3,915 |
| Core capital (leverage) ratio | 10.1988% | 3,191 |
| Tier 1 risk-based capital ratio | 36.9173% | 275 |
| Total risk-based capital ratio | 38.1658% | 272 |
| Memoranda: | ||
| Average total assets | $69,298,600 | 4,788 |
| Average earning assets | $65,941,000 | 4,743 |
| Average equity | $7,734,600 | 4,823 |
| Average total loans | $18,055,200 | 5,359 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9260% | 5,466 |
| Cost of funding earning assets | 0.1358% | 5,391 |
| Net interest margin | 2.7901% | 5,235 |
| Noninterest income to average assets | 0.9328% | 1,184 |
| Noninterest expense to average assets | 2.8780% | 2,480 |
| Loan and lease loss provision to assets | 0.4992% | 238 |
| Net operating income to assets | 0.2108% | 5,342 |
| Return on assets (ROA) | 0.2108% | 5,356 |
| Pretax return on assets | 0.2108% | 5,378 |
| Return on Equity (ROE) | 1.8241% | 5,332 |
| Retained earnings to average equity (ytd only) | 1.3250% | 4,873 |
| Net charge-offs to loans | 1.3931% | 116 |
| Credit loss provision to net charge-offs | 134.9462% | 1,822 |
| Earnings coverage of net charge-offs (x) | 1.9194% | 3,532 |
| Efficiency ratio | 80.2106% | 1,077 |
| Assets per employee ($millions) | 3.0386% | 5,233 |
| Cash dividends to net income (ytd only)* | 27.3615% | 2,849 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2555% | 2,613 |
| Loan loss allowance to noncurrent loans | 55.8962% | 4,425 |
| Noncurrent assets plus other real estate owned to assets | 0.6067% | 2,694 |
| Noncurrent loans to loans | 2.2461% | 720 |
| Net loans and leases to total assets | 26.6716% | 5,556 |
| Net loans and leases to deposits | 30.1350% | 5,585 |
| Net loans and leases to core deposits | 30.4446% | 5,594 |
| Total domestic deposits to total assets | 88.5072% | 1,118 |
| Equity capital to assets | 11.2067% | 2,663 |
| Core capital (leverage) ratio | 11.9847% | 1,696 |
| Tier 1 risk-based capital ratio | 38.4645% | 244 |
| Total risk-based capital ratio | 39.6220% | 242 |
| Memoranda: | ||
| Average total assets | $67,035,500 | 4,881 |
| Average earning assets | $63,795,250 | 4,841 |
| Average equity | $7,748,000 | 4,874 |
| Average total loans | $17,801,250 | 5,424 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9701% | 5,459 |
| Cost of funding earning assets | 0.1275% | 5,465 |
| Net interest margin | 2.8426% | 5,183 |
| Noninterest income to average assets | 1.0532% | 914 |
| Noninterest expense to average assets | 3.1868% | 1,608 |
| Loan and lease loss provision to assets | 0.5478% | 206 |
| Net operating income to assets | 0.0182% | 5,543 |
| Return on assets (ROA) | 0.0182% | 5,545 |
| Pretax return on assets | 0.0182% | 5,542 |
| Return on Equity (ROE) | 0.1554% | 5,547 |
| Retained earnings to average equity (ytd only) | -0.5959% | 5,171 |
| Net charge-offs to loans | 1.6053% | 106 |
| Credit loss provision to net charge-offs | 129.2857% | 1,691 |
| Earnings coverage of net charge-offs (x) | 1.3357% | 3,293 |
| Efficiency ratio | 84.9194% | 769 |
| Assets per employee ($millions) | 2.9431% | 5,321 |
| Cash dividends to net income (ytd only)* | 483.3333% | 25 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2204% | 2,891 |
| Loan loss allowance to noncurrent loans | 54.8969% | 4,472 |
| Noncurrent assets plus other real estate owned to assets | 0.5992% | 2,775 |
| Noncurrent loans to loans | 2.2231% | 724 |
| Net loans and leases to total assets | 26.6259% | 5,596 |
| Net loans and leases to deposits | 30.3286% | 5,624 |
| Net loans and leases to core deposits | 31.7999% | 5,624 |
| Total domestic deposits to total assets | 87.7913% | 1,568 |
| Equity capital to assets | 11.9044% | 1,995 |
| Core capital (leverage) ratio | 11.7871% | 1,777 |
| Tier 1 risk-based capital ratio | 41.2293% | 194 |
| Total risk-based capital ratio | 42.3619% | 195 |
| Memoranda: | ||
| Average total assets | $66,085,000 | 4,931 |
| Average earning assets | $62,759,000 | 4,890 |
| Average equity | $7,720,000 | 4,901 |
| Average total loans | $17,442,670 | 5,476 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9097% | 5,529 |
| Cost of funding earning assets | 0.1257% | 5,526 |
| Net interest margin | 2.7840% | 5,280 |
| Noninterest income to average assets | 1.0778% | 863 |
| Noninterest expense to average assets | 3.0657% | 1,968 |
| Loan and lease loss provision to assets | 0.2694% | 540 |
| Net operating income to assets | 0.3952% | 4,956 |
| Return on assets (ROA) | 0.3952% | 4,982 |
| Pretax return on assets | 0.3952% | 5,165 |
| Return on Equity (ROE) | 3.3948% | 4,991 |
| Retained earnings to average equity (ytd only) | 1.9032% | 4,361 |
| Net charge-offs to loans | 0.7556% | 227 |
| Credit loss provision to net charge-offs | 136.3636% | 1,275 |
| Earnings coverage of net charge-offs (x) | 3.3636% | 2,491 |
| Efficiency ratio | 82.1830% | 1,139 |
| Assets per employee ($millions) | 3.0277% | 5,331 |
| Cash dividends to net income (ytd only)* | 43.9394% | 1,880 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0178% | 4,175 |
| Loan loss allowance to noncurrent loans | 47.0588% | 4,711 |
| Noncurrent assets plus other real estate owned to assets | 0.5870% | 2,888 |
| Noncurrent loans to loans | 2.1627% | 790 |
| Net loans and leases to total assets | 26.8657% | 5,655 |
| Net loans and leases to deposits | 30.5188% | 5,674 |
| Net loans and leases to core deposits | 31.6686% | 5,673 |
| Total domestic deposits to total assets | 88.0301% | 1,698 |
| Equity capital to assets | 11.6921% | 2,044 |
| Core capital (leverage) ratio | 11.5857% | 1,888 |
| Tier 1 risk-based capital ratio | 40.3799% | 221 |
| Total risk-based capital ratio | 41.3298% | 221 |
| Memoranda: | ||
| Average total assets | $66,803,500 | 4,972 |
| Average earning assets | $63,648,500 | 4,925 |
| Average equity | $7,776,500 | 4,935 |
| Average total loans | $17,470,500 | 5,538 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6872% | 5,694 |
| Cost of funding earning assets | 0.1282% | 5,564 |
| Net interest margin | 2.5590% | 5,551 |
| Noninterest income to average assets | 1.0383% | 1,047 |
| Noninterest expense to average assets | 2.9437% | 2,516 |
| Loan and lease loss provision to assets | 0.1917% | 1,221 |
| Net operating income to assets | 0.3466% | 5,093 |
| Return on assets (ROA) | 0.3466% | 5,175 |
| Pretax return on assets | 0.3466% | 5,307 |
| Return on Equity (ROE) | 2.9984% | 5,164 |
| Retained earnings to average equity (ytd only) | 0.5614% | 5,102 |
| Net charge-offs to loans | 0.7644% | 273 |
| Credit loss provision to net charge-offs | 107.4380% | 2,434 |
| Earnings coverage of net charge-offs (x) | 3.0165% | 3,734 |
| Efficiency ratio | 84.5404% | 962 |
| Assets per employee ($millions) | 3.1904% | 5,156 |
| Cash dividends to net income (ytd only)* | 81.2766% | 860 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0200% | 4,192 |
| Loan loss allowance to noncurrent loans | 38.9140% | 4,907 |
| Noncurrent assets plus other real estate owned to assets | 0.6597% | 2,744 |
| Noncurrent loans to loans | 2.6213% | 582 |
| Net loans and leases to total assets | 24.9112% | 5,747 |
| Net loans and leases to deposits | 28.2560% | 5,758 |
| Net loans and leases to core deposits | 29.0564% | 5,761 |
| Total domestic deposits to total assets | 88.1623% | 1,555 |
| Equity capital to assets | 11.5899% | 2,090 |
| Core capital (leverage) ratio | 11.5154% | 1,917 |
| Tier 1 risk-based capital ratio | 42.5363% | 195 |
| Total risk-based capital ratio | 43.4761% | 193 |
| Memoranda: | ||
| Average total assets | $67,805,000 | 4,975 |
| Average earning assets | $64,752,000 | 4,926 |
| Average equity | $7,837,600 | 4,962 |
| Average total loans | $15,829,800 | 5,647 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6108% | 5,792 |
| Cost of funding earning assets | 0.1271% | 5,641 |
| Net interest margin | 2.4838% | 5,664 |
| Noninterest income to average assets | 1.0175% | 1,111 |
| Noninterest expense to average assets | 2.9506% | 2,459 |
| Loan and lease loss provision to assets | 0.1176% | 1,967 |
| Net operating income to assets | 0.3255% | 5,225 |
| Return on assets (ROA) | 0.3255% | 5,306 |
| Pretax return on assets | 0.3255% | 5,422 |
| Return on Equity (ROE) | 2.8174% | 5,267 |
| Retained earnings to average equity (ytd only) | 1.1880% | 5,035 |
| Net charge-offs to loans | 0.8049% | 221 |
| Credit loss provision to net charge-offs | 63.8298% | 2,870 |
| Earnings coverage of net charge-offs (x) | 2.4043% | 3,577 |
| Efficiency ratio | 86.9440% | 737 |
| Assets per employee ($millions) | 3.0637% | 5,327 |
| Cash dividends to net income (ytd only)* | 57.8322% | 1,516 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8431% | 5,063 |
| Loan loss allowance to noncurrent loans | 27.0440% | 5,231 |
| Noncurrent assets plus other real estate owned to assets | 0.7077% | 2,792 |
| Noncurrent loans to loans | 3.1176% | 467 |
| Net loans and leases to total assets | 22.5086% | 5,842 |
| Net loans and leases to deposits | 25.5662% | 5,851 |
| Net loans and leases to core deposits | 25.8393% | 5,860 |
| Total domestic deposits to total assets | 88.0402% | 1,385 |
| Equity capital to assets | 11.6912% | 2,362 |
| Core capital (leverage) ratio | 12.1112% | 1,597 |
| Tier 1 risk-based capital ratio | 48.1129% | 150 |
| Total risk-based capital ratio | 48.9058% | 152 |
| Memoranda: | ||
| Average total assets | $68,006,750 | 5,024 |
| Average earning assets | $65,060,750 | 4,957 |
| Average equity | $7,855,750 | 5,012 |
| Average total loans | $15,571,750 | 5,710 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6821% | 5,849 |
| Cost of funding earning assets | 0.1350% | 5,645 |
| Net interest margin | 2.5471% | 5,711 |
| Noninterest income to average assets | 0.9735% | 1,191 |
| Noninterest expense to average assets | 2.9087% | 2,649 |
| Loan and lease loss provision to assets | 0.1173% | 1,936 |
| Net operating income to assets | 0.3812% | 5,088 |
| Return on assets (ROA) | 0.3812% | 5,172 |
| Pretax return on assets | 0.3812% | 5,370 |
| Return on Equity (ROE) | 3.3131% | 5,159 |
| Retained earnings to average equity (ytd only) | 0.8665% | 5,040 |
| Net charge-offs to loans | 0.6768% | 303 |
| Credit loss provision to net charge-offs | 75.4717% | 2,417 |
| Earnings coverage of net charge-offs (x) | 3.2075% | 3,152 |
| Efficiency ratio | 85.3701% | 935 |
| Assets per employee ($millions) | 2.8719% | 5,551 |
| Cash dividends to net income (ytd only)* | 73.8462% | 1,064 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9763% | 4,635 |
| Loan loss allowance to noncurrent loans | 26.6904% | 5,325 |
| Noncurrent assets plus other real estate owned to assets | 0.8508% | 2,464 |
| Noncurrent loans to loans | 3.6579% | 353 |
| Net loans and leases to total assets | 23.0330% | 5,902 |
| Net loans and leases to deposits | 26.2238% | 5,921 |
| Net loans and leases to core deposits | 27.3692% | 5,922 |
| Total domestic deposits to total assets | 87.8325% | 1,509 |
| Equity capital to assets | 11.9192% | 2,179 |
| Core capital (leverage) ratio | 11.5161% | 1,982 |
| Tier 1 risk-based capital ratio | 47.5235% | 155 |
| Total risk-based capital ratio | 48.4385% | 154 |
| Memoranda: | ||
| Average total assets | $68,208,670 | 5,063 |
| Average earning assets | $65,172,670 | 5,004 |
| Average equity | $7,847,670 | 5,052 |
| Average total loans | $15,662,330 | 5,773 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7313% | 5,892 |
| Cost of funding earning assets | 0.1326% | 5,738 |
| Net interest margin | 2.5987% | 5,724 |
| Noninterest income to average assets | 1.0103% | 1,054 |
| Noninterest expense to average assets | 2.8923% | 2,734 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.6062% | 4,151 |
| Return on assets (ROA) | 0.6062% | 4,272 |
| Pretax return on assets | 0.6062% | 4,805 |
| Return on Equity (ROE) | 5.3606% | 4,311 |
| Retained earnings to average equity (ytd only) | 5.3606% | 2,735 |
| Net charge-offs to loans | 0.3542% | 631 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 7.5000% | 2,145 |
| Efficiency ratio | 82.6733% | 1,299 |
| Assets per employee ($millions) | 2.9624% | 5,538 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9620% | 4,796 |
| Loan loss allowance to noncurrent loans | 25.9130% | 5,370 |
| Noncurrent assets plus other real estate owned to assets | 0.8439% | 2,577 |
| Noncurrent loans to loans | 3.7123% | 347 |
| Net loans and leases to total assets | 22.5141% | 5,965 |
| Net loans and leases to deposits | 25.5381% | 5,979 |
| Net loans and leases to core deposits | 26.9657% | 5,975 |
| Total domestic deposits to total assets | 88.1588% | 1,553 |
| Equity capital to assets | 11.6240% | 2,315 |
| Core capital (leverage) ratio | 11.3171% | 2,128 |
| Tier 1 risk-based capital ratio | 46.0439% | 165 |
| Total risk-based capital ratio | 46.9165% | 163 |
| Memoranda: | ||
| Average total assets | $69,286,500 | 5,088 |
| Average earning assets | $66,341,000 | 5,014 |
| Average equity | $7,835,000 | 5,085 |
| Average total loans | $15,811,500 | 5,825 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3166% | 6,046 |
| Cost of funding earning assets | 0.0996% | 5,965 |
| Net interest margin | 2.2170% | 5,983 |
| Noninterest income to average assets | 0.9805% | 1,231 |
| Noninterest expense to average assets | 2.6258% | 3,833 |
| Loan and lease loss provision to assets | 0.1526% | 1,538 |
| Net operating income to assets | 0.3291% | 5,272 |
| Return on assets (ROA) | 0.3291% | 5,359 |
| Pretax return on assets | 0.3291% | 5,460 |
| Return on Equity (ROE) | 3.1300% | 5,260 |
| Retained earnings to average equity (ytd only) | -1.1107% | 5,672 |
| Net charge-offs to loans | 0.4727% | 575 |
| Credit loss provision to net charge-offs | 147.4359% | 1,802 |
| Earnings coverage of net charge-offs (x) | 4.6538% | 3,512 |
| Efficiency ratio | 84.5004% | 1,135 |
| Assets per employee ($millions) | 3.0625% | 5,466 |
| Cash dividends to net income (ytd only)* | 135.4839% | 194 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0103% | 4,543 |
| Loan loss allowance to noncurrent loans | 34.4609% | 5,241 |
| Noncurrent assets plus other real estate owned to assets | 0.6715% | 3,028 |
| Noncurrent loans to loans | 2.9317% | 559 |
| Net loans and leases to total assets | 22.6738% | 6,022 |
| Net loans and leases to deposits | 25.5271% | 6,039 |
| Net loans and leases to core deposits | 25.9430% | 6,043 |
| Total domestic deposits to total assets | 88.8228% | 1,214 |
| Equity capital to assets | 11.0026% | 2,822 |
| Core capital (leverage) ratio | 11.3704% | 2,067 |
| Tier 1 risk-based capital ratio | 43.5119% | 187 |
| Total risk-based capital ratio | 44.4264% | 188 |
| Memoranda: | ||
| Average total assets | $75,367,000 | 4,959 |
| Average earning assets | $72,303,800 | 4,889 |
| Average equity | $7,923,200 | 5,077 |
| Average total loans | $16,499,400 | 5,846 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3194% | 6,141 |
| Cost of funding earning assets | 0.0870% | 6,100 |
| Net interest margin | 2.2325% | 6,067 |
| Noninterest income to average assets | 0.9330% | 1,365 |
| Noninterest expense to average assets | 2.6353% | 3,757 |
| Loan and lease loss provision to assets | 0.0957% | 2,258 |
| Net operating income to assets | 0.3464% | 5,323 |
| Return on assets (ROA) | 0.3464% | 5,410 |
| Pretax return on assets | 0.3464% | 5,560 |
| Return on Equity (ROE) | 3.3306% | 5,279 |
| Retained earnings to average equity (ytd only) | 0.1171% | 5,568 |
| Net charge-offs to loans | 0.3295% | 800 |
| Credit loss provision to net charge-offs | 134.1463% | 1,830 |
| Earnings coverage of net charge-offs (x) | 6.1946% | 3,084 |
| Efficiency ratio | 85.6335% | 1,028 |
| Assets per employee ($millions) | 2.8920% | 5,662 |
| Cash dividends to net income (ytd only)* | 96.4799% | 423 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8349% | 5,426 |
| Loan loss allowance to noncurrent loans | 19.6353% | 5,581 |
| Noncurrent assets plus other real estate owned to assets | 1.0719% | 2,218 |
| Noncurrent loans to loans | 4.2521% | 279 |
| Net loans and leases to total assets | 24.9981% | 6,073 |
| Net loans and leases to deposits | 28.4750% | 6,099 |
| Net loans and leases to core deposits | 29.0359% | 6,105 |
| Total domestic deposits to total assets | 87.7896% | 1,660 |
| Equity capital to assets | 12.0090% | 2,100 |
| Core capital (leverage) ratio | 10.8657% | 2,625 |
| Tier 1 risk-based capital ratio | 41.4148% | 231 |
| Total risk-based capital ratio | 42.1533% | 234 |
| Memoranda: | ||
| Average total assets | $76,599,250 | 4,991 |
| Average earning assets | $73,579,250 | 4,919 |
| Average equity | $7,966,500 | 5,135 |
| Average total loans | $16,590,750 | 5,924 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2244% | 6,236 |
| Cost of funding earning assets | 0.0807% | 6,196 |
| Net interest margin | 2.1438% | 6,163 |
| Noninterest income to average assets | 0.8629% | 1,561 |
| Noninterest expense to average assets | 2.4612% | 4,361 |
| Loan and lease loss provision to assets | 0.0500% | 3,118 |
| Net operating income to assets | 0.4127% | 5,103 |
| Return on assets (ROA) | 0.4127% | 5,204 |
| Pretax return on assets | 0.4127% | 5,442 |
| Return on Equity (ROE) | 4.1461% | 4,960 |
| Retained earnings to average equity (ytd only) | -0.6784% | 5,639 |
| Net charge-offs to loans | 0.2783% | 948 |
| Credit loss provision to net charge-offs | 86.9565% | 2,245 |
| Earnings coverage of net charge-offs (x) | 8.0435% | 2,604 |
| Efficiency ratio | 84.1745% | 1,243 |
| Assets per employee ($millions) | 3.3030% | 5,158 |
| Cash dividends to net income (ytd only)* | 116.3636% | 336 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7069% | 5,804 |
| Loan loss allowance to noncurrent loans | 10.6678% | 5,751 |
| Noncurrent assets plus other real estate owned to assets | 1.5177% | 1,614 |
| Noncurrent loans to loans | 6.6261% | 127 |
| Net loans and leases to total assets | 22.7438% | 6,181 |
| Net loans and leases to deposits | 25.4639% | 6,206 |
| Net loans and leases to core deposits | 26.0113% | 6,204 |
| Total domestic deposits to total assets | 89.3179% | 995 |
| Equity capital to assets | 10.5321% | 3,410 |
| Core capital (leverage) ratio | 9.7558% | 3,932 |
| Tier 1 risk-based capital ratio | 39.5643% | 273 |
| Total risk-based capital ratio | 40.1846% | 278 |
| Memoranda: | ||
| Average total assets | $79,960,000 | 4,978 |
| Average earning assets | $76,874,000 | 4,893 |
| Average equity | $7,959,330 | 5,177 |
| Average total loans | $16,531,670 | 5,984 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2153% | 6,302 |
| Cost of funding earning assets | 0.0762% | 6,281 |
| Net interest margin | 2.1390% | 6,233 |
| Noninterest income to average assets | 0.7858% | 1,761 |
| Noninterest expense to average assets | 2.6014% | 3,914 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.2392% | 5,592 |
| Return on assets (ROA) | 0.2392% | 5,682 |
| Pretax return on assets | 0.2392% | 5,773 |
| Return on Equity (ROE) | 2.4690% | 5,548 |
| Retained earnings to average equity (ytd only) | -2.3682% | 5,728 |
| Net charge-offs to loans | 0.3230% | 746 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 3.7692% | 2,571 |
| Efficiency ratio | 91.5808% | 741 |
| Assets per employee ($millions) | 3.6346% | 4,651 |
| Cash dividends to net income (ytd only)* | 195.9184% | 235 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7098% | 5,887 |
| Loan loss allowance to noncurrent loans | 8.0256% | 5,805 |
| Noncurrent assets plus other real estate owned to assets | 1.6843% | 1,495 |
| Noncurrent loans to loans | 8.8448% | 79 |
| Net loans and leases to total assets | 18.9078% | 6,280 |
| Net loans and leases to deposits | 20.9243% | 6,297 |
| Net loans and leases to core deposits | 21.2412% | 6,297 |
| Total domestic deposits to total assets | 90.3631% | 580 |
| Equity capital to assets | 9.5209% | 4,727 |
| Core capital (leverage) ratio | 9.4063% | 4,419 |
| Tier 1 risk-based capital ratio | 42.8751% | 221 |
| Total risk-based capital ratio | 43.4942% | 227 |
| Memoranda: | ||
| Average total assets | $81,956,000 | 4,991 |
| Average earning assets | $78,727,000 | 4,897 |
| Average equity | $7,938,500 | 5,228 |
| Average total loans | $16,097,000 | 6,050 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3888% | 6,359 |
| Cost of funding earning assets | 0.0861% | 6,362 |
| Net interest margin | 2.3028% | 6,267 |
| Noninterest income to average assets | 1.0755% | 1,048 |
| Noninterest expense to average assets | 2.6070% | 4,190 |
| Loan and lease loss provision to assets | 0.1595% | 1,645 |
| Net operating income to assets | 0.5025% | 4,800 |
| Return on assets (ROA) | 0.5025% | 4,887 |
| Pretax return on assets | 0.5145% | 5,214 |
| Return on Equity (ROE) | 4.7665% | 4,776 |
| Retained earnings to average equity (ytd only) | 1.1223% | 5,271 |
| Net charge-offs to loans | 0.6720% | 567 |
| Credit loss provision to net charge-offs | 110.0917% | 2,169 |
| Earnings coverage of net charge-offs (x) | 4.6514% | 3,595 |
| Efficiency ratio | 79.4571% | 2,007 |
| Assets per employee ($millions) | 3.4920% | 4,919 |
| Cash dividends to net income (ytd only)* | 76.4550% | 1,028 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7742% | 5,840 |
| Loan loss allowance to noncurrent loans | 19.7492% | 5,835 |
| Noncurrent assets plus other real estate owned to assets | 0.7944% | 3,220 |
| Noncurrent loans to loans | 3.9201% | 486 |
| Net loans and leases to total assets | 20.1066% | 6,367 |
| Net loans and leases to deposits | 22.3284% | 6,383 |
| Net loans and leases to core deposits | 22.7890% | 6,384 |
| Total domestic deposits to total assets | 90.0494% | 708 |
| Equity capital to assets | 9.8584% | 4,282 |
| Core capital (leverage) ratio | 10.0960% | 3,442 |
| Tier 1 risk-based capital ratio | 39.7807% | 239 |
| Total risk-based capital ratio | 40.4174% | 250 |
| Memoranda: | ||
| Average total assets | $75,220,800 | 5,172 |
| Average earning assets | $72,044,200 | 5,088 |
| Average equity | $7,930,400 | 5,219 |
| Average total loans | $16,219,400 | 6,118 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4250% | 6,428 |
| Cost of funding earning assets | 0.0848% | 6,448 |
| Net interest margin | 2.3402% | 6,321 |
| Noninterest income to average assets | 1.0674% | 1,077 |
| Noninterest expense to average assets | 2.7154% | 3,767 |
| Loan and lease loss provision to assets | 0.1262% | 1,981 |
| Net operating income to assets | 0.4652% | 5,014 |
| Return on assets (ROA) | 0.4652% | 5,092 |
| Pretax return on assets | 0.4652% | 5,417 |
| Return on Equity (ROE) | 4.3359% | 5,024 |
| Retained earnings to average equity (ytd only) | 1.8990% | 5,104 |
| Net charge-offs to loans | 0.6171% | 587 |
| Credit loss provision to net charge-offs | 93.3333% | 2,372 |
| Earnings coverage of net charge-offs (x) | 4.3732% | 3,478 |
| Efficiency ratio | 82.1156% | 1,606 |
| Assets per employee ($millions) | 3.0883% | 5,617 |
| Cash dividends to net income (ytd only)* | 56.2022% | 1,548 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7123% | 6,077 |
| Loan loss allowance to noncurrent loans | 18.2119% | 5,952 |
| Noncurrent assets plus other real estate owned to assets | 0.8503% | 3,288 |
| Noncurrent loans to loans | 3.9112% | 557 |
| Net loans and leases to total assets | 21.5863% | 6,428 |
| Net loans and leases to deposits | 24.3304% | 6,443 |
| Net loans and leases to core deposits | 24.9066% | 6,446 |
| Total domestic deposits to total assets | 88.7218% | 1,388 |
| Equity capital to assets | 11.1585% | 2,803 |
| Core capital (leverage) ratio | 11.2232% | 2,290 |
| Tier 1 risk-based capital ratio | 41.8850% | 212 |
| Total risk-based capital ratio | 42.4684% | 219 |
| Memoranda: | ||
| Average total assets | $73,946,750 | 5,247 |
| Average earning assets | $70,761,500 | 5,161 |
| Average equity | $7,933,500 | 5,257 |
| Average total loans | $16,205,500 | 6,181 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4143% | 6,502 |
| Cost of funding earning assets | 0.0865% | 6,512 |
| Net interest margin | 2.3278% | 6,394 |
| Noninterest income to average assets | 1.0305% | 1,120 |
| Noninterest expense to average assets | 2.6909% | 3,902 |
| Loan and lease loss provision to assets | 0.1201% | 2,050 |
| Net operating income to assets | 0.4458% | 5,036 |
| Return on assets (ROA) | 0.4458% | 5,112 |
| Pretax return on assets | 0.4458% | 5,434 |
| Return on Equity (ROE) | 4.2087% | 5,055 |
| Retained earnings to average equity (ytd only) | 0.5796% | 5,509 |
| Net charge-offs to loans | 0.5468% | 746 |
| Credit loss provision to net charge-offs | 100.0000% | 1,983 |
| Earnings coverage of net charge-offs (x) | 4.7111% | 3,057 |
| Efficiency ratio | 82.6230% | 1,677 |
| Assets per employee ($millions) | 3.1229% | 5,562 |
| Cash dividends to net income (ytd only)* | 86.2275% | 764 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6739% | 6,214 |
| Loan loss allowance to noncurrent loans | 23.0000% | 5,945 |
| Noncurrent assets plus other real estate owned to assets | 0.6961% | 3,892 |
| Noncurrent loans to loans | 2.9300% | 1,013 |
| Net loans and leases to total assets | 23.5984% | 6,460 |
| Net loans and leases to deposits | 26.5387% | 6,483 |
| Net loans and leases to core deposits | 27.4046% | 6,479 |
| Total domestic deposits to total assets | 88.9206% | 1,403 |
| Equity capital to assets | 10.9875% | 2,889 |
| Core capital (leverage) ratio | 10.3551% | 3,132 |
| Tier 1 risk-based capital ratio | 39.2773% | 256 |
| Total risk-based capital ratio | 39.8553% | 268 |
| Memoranda: | ||
| Average total assets | $74,918,670 | 5,273 |
| Average earning assets | $71,656,000 | 5,191 |
| Average equity | $7,936,000 | 5,288 |
| Average total loans | $16,459,670 | 6,221 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3063% | 6,601 |
| Cost of funding earning assets | 0.0877% | 6,594 |
| Net interest margin | 2.2187% | 6,516 |
| Noninterest income to average assets | 1.0358% | 1,048 |
| Noninterest expense to average assets | 2.7411% | 3,794 |
| Loan and lease loss provision to assets | 0.1046% | 2,178 |
| Net operating income to assets | 0.3086% | 5,459 |
| Return on assets (ROA) | 0.3086% | 5,509 |
| Pretax return on assets | 0.3086% | 5,697 |
| Return on Equity (ROE) | 2.9656% | 5,470 |
| Retained earnings to average equity (ytd only) | 2.9656% | 4,327 |
| Net charge-offs to loans | 0.5694% | 647 |
| Credit loss provision to net charge-offs | 86.9565% | 1,826 |
| Earnings coverage of net charge-offs (x) | 3.4348% | 2,685 |
| Efficiency ratio | 86.8988% | 1,349 |
| Assets per employee ($millions) | 3.3530% | 5,251 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6622% | 6,325 |
| Loan loss allowance to noncurrent loans | 27.3171% | 5,929 |
| Noncurrent assets plus other real estate owned to assets | 0.5317% | 4,552 |
| Noncurrent loans to loans | 2.4240% | 1,446 |
| Net loans and leases to total assets | 21.7874% | 6,545 |
| Net loans and leases to deposits | 24.3099% | 6,573 |
| Net loans and leases to core deposits | 24.8550% | 6,571 |
| Total domestic deposits to total assets | 89.6237% | 1,299 |
| Equity capital to assets | 10.3128% | 3,450 |
| Core capital (leverage) ratio | 10.1504% | 3,350 |
| Tier 1 risk-based capital ratio | 39.3601% | 245 |
| Total risk-based capital ratio | 39.9165% | 256 |
| Memoranda: | ||
| Average total assets | $76,464,500 | 5,289 |
| Average earning assets | $73,016,000 | 5,206 |
| Average equity | $7,958,000 | 5,309 |
| Average total loans | $16,157,000 | 6,299 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2777% | 6,676 |
| Cost of funding earning assets | 0.1239% | 6,626 |
| Net interest margin | 2.1538% | 6,596 |
| Noninterest income to average assets | 0.9543% | 1,511 |
| Noninterest expense to average assets | 2.6417% | 4,311 |
| Loan and lease loss provision to assets | 0.0961% | 3,201 |
| Net operating income to assets | 0.2925% | 5,549 |
| Return on assets (ROA) | 0.2925% | 5,644 |
| Pretax return on assets | 0.2925% | 5,754 |
| Return on Equity (ROE) | 2.6810% | 5,624 |
| Retained earnings to average equity (ytd only) | -0.7426% | 6,018 |
| Net charge-offs to loans | 0.3883% | 1,735 |
| Credit loss provision to net charge-offs | 106.0606% | 2,274 |
| Earnings coverage of net charge-offs (x) | 4.2879% | 3,616 |
| Efficiency ratio | 87.1772% | 1,297 |
| Assets per employee ($millions) | 3.4460% | 5,000 |
| Cash dividends to net income (ytd only)* | 127.6995% | 208 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7468% | 6,273 |
| Loan loss allowance to noncurrent loans | 34.3284% | 5,811 |
| Noncurrent assets plus other real estate owned to assets | 0.4419% | 4,924 |
| Noncurrent loans to loans | 2.1753% | 1,800 |
| Net loans and leases to total assets | 20.1620% | 6,664 |
| Net loans and leases to deposits | 22.5373% | 6,688 |
| Net loans and leases to core deposits | 23.0526% | 6,684 |
| Total domestic deposits to total assets | 89.4606% | 1,358 |
| Equity capital to assets | 10.5038% | 3,154 |
| Core capital (leverage) ratio | 10.6577% | 2,724 |
| Tier 1 risk-based capital ratio | 38.9150% | 247 |
| Total risk-based capital ratio | 39.4842% | 252 |
| Memoranda: | ||
| Average total assets | $72,831,400 | 5,399 |
| Average earning assets | $70,202,000 | 5,306 |
| Average equity | $7,944,800 | 5,354 |
| Average total loans | $16,998,000 | 6,320 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2648% | 6,759 |
| Cost of funding earning assets | 0.1356% | 6,686 |
| Net interest margin | 2.1292% | 6,686 |
| Noninterest income to average assets | 0.9414% | 1,626 |
| Noninterest expense to average assets | 2.6948% | 4,034 |
| Loan and lease loss provision to assets | 0.0740% | 3,575 |
| Net operating income to assets | 0.2349% | 5,825 |
| Return on assets (ROA) | 0.2349% | 5,909 |
| Pretax return on assets | 0.2349% | 5,988 |
| Return on Equity (ROE) | 2.1326% | 5,897 |
| Retained earnings to average equity (ytd only) | -0.4701% | 6,038 |
| Net charge-offs to loans | 0.2989% | 2,040 |
| Credit loss provision to net charge-offs | 102.5641% | 2,286 |
| Earnings coverage of net charge-offs (x) | 4.2819% | 3,481 |
| Efficiency ratio | 89.7167% | 1,022 |
| Assets per employee ($millions) | 2.9049% | 6,004 |
| Cash dividends to net income (ytd only)* | 122.0457% | 229 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6990% | 6,442 |
| Loan loss allowance to noncurrent loans | 51.8519% | 5,149 |
| Noncurrent assets plus other real estate owned to assets | 0.3233% | 5,439 |
| Noncurrent loans to loans | 1.3480% | 3,166 |
| Net loans and leases to total assets | 23.8157% | 6,692 |
| Net loans and leases to deposits | 27.0382% | 6,711 |
| Net loans and leases to core deposits | 27.7517% | 6,714 |
| Total domestic deposits to total assets | 88.0817% | 2,076 |
| Equity capital to assets | 11.8330% | 2,023 |
| Core capital (leverage) ratio | 11.5852% | 1,970 |
| Tier 1 risk-based capital ratio | 34.0377% | 369 |
| Total risk-based capital ratio | 34.5207% | 386 |
| Memoranda: | ||
| Average total assets | $72,086,500 | 5,467 |
| Average earning assets | $69,820,000 | 5,367 |
| Average equity | $7,940,250 | 5,407 |
| Average total loans | $17,397,500 | 6,369 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2106% | 6,813 |
| Cost of funding earning assets | 0.1505% | 6,704 |
| Net interest margin | 2.0601% | 6,744 |
| Noninterest income to average assets | 0.8613% | 1,958 |
| Noninterest expense to average assets | 2.5811% | 4,451 |
| Loan and lease loss provision to assets | 0.0542% | 3,910 |
| Net operating income to assets | 0.2275% | 5,826 |
| Return on assets (ROA) | 0.2275% | 5,952 |
| Pretax return on assets | 0.2275% | 6,034 |
| Return on Equity (ROE) | 2.1128% | 5,914 |
| Retained earnings to average equity (ytd only) | -1.7606% | 6,162 |
| Net charge-offs to loans | 0.2240% | 2,393 |
| Credit loss provision to net charge-offs | 100.0000% | 2,196 |
| Earnings coverage of net charge-offs (x) | 5.2000% | 2,947 |
| Efficiency ratio | 90.1608% | 1,046 |
| Assets per employee ($millions) | 3.1533% | 5,577 |
| Cash dividends to net income (ytd only)* | 183.3333% | 118 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6622% | 6,546 |
| Loan loss allowance to noncurrent loans | 10.8930% | 6,415 |
| Noncurrent assets plus other real estate owned to assets | 1.4050% | 3,000 |
| Noncurrent loans to loans | 6.0792% | 455 |
| Net loans and leases to total assets | 22.9590% | 6,742 |
| Net loans and leases to deposits | 25.8055% | 6,768 |
| Net loans and leases to core deposits | 26.2854% | 6,774 |
| Total domestic deposits to total assets | 88.9693% | 1,649 |
| Equity capital to assets | 10.9838% | 2,769 |
| Core capital (leverage) ratio | 10.6769% | 2,690 |
| Tier 1 risk-based capital ratio | 36.0191% | 301 |
| Total risk-based capital ratio | 36.5284% | 324 |
| Memoranda: | ||
| Average total assets | $73,844,330 | 5,466 |
| Average earning assets | $71,745,670 | 5,341 |
| Average equity | $7,951,670 | 5,444 |
| Average total loans | $17,855,330 | 6,395 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1645% | 6,903 |
| Cost of funding earning assets | 0.1605% | 6,764 |
| Net interest margin | 2.0040% | 6,839 |
| Noninterest income to average assets | 0.8161% | 2,069 |
| Noninterest expense to average assets | 2.7918% | 3,728 |
| Loan and lease loss provision to assets | 0.1074% | 2,905 |
| Net operating income to assets | -0.1396% | 6,477 |
| Return on assets (ROA) | -0.1396% | 6,521 |
| Pretax return on assets | -0.1396% | 6,513 |
| Return on Equity (ROE) | -1.3091% | 6,519 |
| Retained earnings to average equity (ytd only) | -6.1426% | 6,426 |
| Net charge-offs to loans | 0.1522% | 2,488 |
| Credit loss provision to net charge-offs | 285.7143% | 830 |
| Earnings coverage of net charge-offs (x) | -0.8571% | 3,954 |
| Efficiency ratio | 101.1673% | 504 |
| Assets per employee ($millions) | 3.2373% | 5,557 |
| Cash dividends to net income (ytd only)* | -369.2308% | 6,998 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6890% | 6,616 |
| Loan loss allowance to noncurrent loans | 11.6651% | 6,481 |
| Noncurrent assets plus other real estate owned to assets | 1.4276% | 3,126 |
| Noncurrent loans to loans | 5.9065% | 569 |
| Net loans and leases to total assets | 24.0038% | 6,773 |
| Net loans and leases to deposits | 26.8513% | 6,804 |
| Net loans and leases to core deposits | 27.4408% | 6,816 |
| Total domestic deposits to total assets | 89.3955% | 1,422 |
| Equity capital to assets | 10.5669% | 3,468 |
| Core capital (leverage) ratio | 10.2582% | 3,065 |
| Tier 1 risk-based capital ratio | 36.8451% | 294 |
| Total risk-based capital ratio | 37.4373% | 306 |
| Memoranda: | ||
| Average total assets | $74,504,000 | 5,502 |
| Average earning assets | $72,257,000 | 5,381 |
| Average equity | $7,944,500 | 5,500 |
| Average total loans | $18,402,000 | 6,436 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5400% | 6,925 |
| Cost of funding earning assets | 0.1946% | 6,850 |
| Net interest margin | 2.3454% | 6,814 |
| Noninterest income to average assets | 0.9158% | 1,812 |
| Noninterest expense to average assets | 2.5965% | 4,759 |
| Loan and lease loss provision to assets | 0.0270% | 5,558 |
| Net operating income to assets | 0.5679% | 4,388 |
| Return on assets (ROA) | 0.5679% | 4,648 |
| Pretax return on assets | 0.5679% | 5,084 |
| Return on Equity (ROE) | 5.2227% | 4,577 |
| Retained earnings to average equity (ytd only) | 0.6451% | 5,539 |
| Net charge-offs to loans | 0.3983% | 2,663 |
| Credit loss provision to net charge-offs | 28.5714% | 5,140 |
| Earnings coverage of net charge-offs (x) | 6.3000% | 2,835 |
| Efficiency ratio | 81.3609% | 1,962 |
| Assets per employee ($millions) | 3.1062% | 5,831 |
| Cash dividends to net income (ytd only)* | 87.6485% | 772 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5902% | 6,769 |
| Loan loss allowance to noncurrent loans | 11.6474% | 6,536 |
| Noncurrent assets plus other real estate owned to assets | 1.2784% | 3,514 |
| Noncurrent loans to loans | 5.0673% | 779 |
| Net loans and leases to total assets | 25.0788% | 6,834 |
| Net loans and leases to deposits | 28.1139% | 6,868 |
| Net loans and leases to core deposits | 28.7317% | 6,871 |
| Total domestic deposits to total assets | 89.2044% | 1,431 |
| Equity capital to assets | 10.7594% | 3,213 |
| Core capital (leverage) ratio | 10.4670% | 2,804 |
| Tier 1 risk-based capital ratio | 36.6913% | 297 |
| Total risk-based capital ratio | 37.2109% | 309 |
| Memoranda: | ||
| Average total assets | $74,138,800 | 5,507 |
| Average earning assets | $71,929,400 | 5,374 |
| Average equity | $8,061,000 | 5,485 |
| Average total loans | $17,576,600 | 6,533 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5742% | 7,031 |
| Cost of funding earning assets | 0.2042% | 6,944 |
| Net interest margin | 2.3700% | 6,912 |
| Noninterest income to average assets | 0.9166% | 1,771 |
| Noninterest expense to average assets | 2.6095% | 4,704 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.6069% | 4,361 |
| Return on assets (ROA) | 0.6069% | 4,622 |
| Pretax return on assets | 0.6069% | 5,145 |
| Return on Equity (ROE) | 5.5671% | 4,560 |
| Retained earnings to average equity (ytd only) | 2.6761% | 4,957 |
| Net charge-offs to loans | 0.2780% | 3,053 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 9.3608% | 2,329 |
| Efficiency ratio | 81.1310% | 1,913 |
| Assets per employee ($millions) | 2.6754% | 6,526 |
| Cash dividends to net income (ytd only)* | 51.9296% | 1,610 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6800% | 6,775 |
| Loan loss allowance to noncurrent loans | 83.3333% | 3,730 |
| Noncurrent assets plus other real estate owned to assets | 0.2156% | 6,172 |
| Noncurrent loans to loans | 0.8160% | 4,782 |
| Net loans and leases to total assets | 26.2460% | 6,915 |
| Net loans and leases to deposits | 29.7452% | 6,959 |
| Net loans and leases to core deposits | 30.4517% | 6,962 |
| Total domestic deposits to total assets | 88.2362% | 1,886 |
| Equity capital to assets | 11.6948% | 2,538 |
| Core capital (leverage) ratio | 11.6432% | 1,875 |
| Tier 1 risk-based capital ratio | 38.6748% | 269 |
| Total risk-based capital ratio | 39.2781% | 277 |
| Memoranda: | ||
| Average total assets | $74,036,250 | 5,567 |
| Average earning assets | $71,839,250 | 5,436 |
| Average equity | $8,071,000 | 5,540 |
| Average total loans | $17,269,000 | 6,625 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5186% | 7,116 |
| Cost of funding earning assets | 0.2131% | 7,004 |
| Net interest margin | 2.3055% | 7,007 |
| Noninterest income to average assets | 0.8871% | 1,830 |
| Noninterest expense to average assets | 2.5130% | 5,097 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.6090% | 4,333 |
| Return on assets (ROA) | 0.6090% | 4,584 |
| Pretax return on assets | 0.6090% | 5,107 |
| Return on Equity (ROE) | 5.7145% | 4,469 |
| Retained earnings to average equity (ytd only) | 1.3665% | 5,510 |
| Net charge-offs to loans | 0.2959% | 2,843 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 9.2000% | 2,195 |
| Efficiency ratio | 80.4919% | 2,102 |
| Assets per employee ($millions) | 2.7518% | 6,472 |
| Cash dividends to net income (ytd only)* | 76.0870% | 901 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7326% | 6,786 |
| Loan loss allowance to noncurrent loans | 78.6127% | 3,847 |
| Noncurrent assets plus other real estate owned to assets | 0.2418% | 6,166 |
| Noncurrent loans to loans | 0.9319% | 4,646 |
| Net loans and leases to total assets | 25.7579% | 6,988 |
| Net loans and leases to deposits | 29.0358% | 7,021 |
| Net loans and leases to core deposits | 29.7007% | 7,033 |
| Total domestic deposits to total assets | 88.7109% | 1,697 |
| Equity capital to assets | 11.2234% | 2,869 |
| Core capital (leverage) ratio | 10.6807% | 2,627 |
| Tier 1 risk-based capital ratio | 35.2436% | 338 |
| Total risk-based capital ratio | 35.8549% | 349 |
| Memoranda: | ||
| Average total assets | $75,528,000 | 5,561 |
| Average earning assets | $73,215,670 | 5,426 |
| Average equity | $8,049,670 | 5,559 |
| Average total loans | $16,898,000 | 6,696 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5078% | 7,172 |
| Cost of funding earning assets | 0.2294% | 7,057 |
| Net interest margin | 2.2784% | 7,063 |
| Noninterest income to average assets | 0.8927% | 1,776 |
| Noninterest expense to average assets | 2.5903% | 4,855 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.5057% | 4,805 |
| Return on assets (ROA) | 0.5057% | 5,013 |
| Pretax return on assets | 0.5057% | 5,410 |
| Return on Equity (ROE) | 4.8638% | 4,854 |
| Retained earnings to average equity (ytd only) | 4.8638% | 3,638 |
| Net charge-offs to loans | 0.2241% | 2,800 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 10.8889% | 1,719 |
| Efficiency ratio | 83.6667% | 1,720 |
| Assets per employee ($millions) | 2.9116% | 6,322 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9322% | 6,464 |
| Loan loss allowance to noncurrent loans | 73.4300% | 3,904 |
| Noncurrent assets plus other real estate owned to assets | 0.2734% | 6,204 |
| Noncurrent loans to loans | 1.2695% | 4,207 |
| Net loans and leases to total assets | 21.3379% | 7,123 |
| Net loans and leases to deposits | 23.8996% | 7,143 |
| Net loans and leases to core deposits | 24.4128% | 7,149 |
| Total domestic deposits to total assets | 89.2815% | 1,491 |
| Equity capital to assets | 10.6643% | 3,306 |
| Core capital (leverage) ratio | 10.2302% | 3,074 |
| Tier 1 risk-based capital ratio | 36.7125% | 295 |
| Total risk-based capital ratio | 37.4203% | 302 |
| Memoranda: | ||
| Average total assets | $77,518,500 | 5,542 |
| Average earning assets | $74,966,000 | 5,402 |
| Average equity | $8,059,500 | 5,581 |
| Average total loans | $16,064,500 | 6,794 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7977% | 7,225 |
| Cost of funding earning assets | 0.3042% | 7,102 |
| Net interest margin | 2.4935% | 7,061 |
| Noninterest income to average assets | 0.9814% | 1,419 |
| Noninterest expense to average assets | 2.6119% | 5,047 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.7854% | 3,108 |
| Return on assets (ROA) | 0.7854% | 3,271 |
| Pretax return on assets | 0.7854% | 4,030 |
| Return on Equity (ROE) | 6.9934% | 3,409 |
| Retained earnings to average equity (ytd only) | 0.7427% | 5,506 |
| Net charge-offs to loans | 0.4015% | 3,411 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 8.4328% | 2,150 |
| Efficiency ratio | 76.8822% | 2,761 |
| Assets per employee ($millions) | 3.1734% | 5,764 |
| Cash dividends to net income (ytd only)* | 89.3805% | 533 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0174% | 6,131 |
| Loan loss allowance to noncurrent loans | 161.0000% | 2,001 |
| Noncurrent assets plus other real estate owned to assets | 0.1260% | 6,635 |
| Noncurrent loans to loans | 0.6320% | 5,450 |
| Net loans and leases to total assets | 19.7426% | 7,210 |
| Net loans and leases to deposits | 21.9807% | 7,235 |
| Net loans and leases to core deposits | 22.4279% | 7,231 |
| Total domestic deposits to total assets | 89.8180% | 1,086 |
| Equity capital to assets | 10.1417% | 3,979 |
| Core capital (leverage) ratio | 10.2701% | 3,004 |
| Tier 1 risk-based capital ratio | 36.2039% | 305 |
| Total risk-based capital ratio | 36.9525% | 309 |
| Memoranda: | ||
| Average total assets | $71,939,600 | 5,693 |
| Average earning assets | $69,701,000 | 5,547 |
| Average equity | $8,079,000 | 5,548 |
| Average total loans | $16,689,200 | 6,813 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9152% | 7,280 |
| Cost of funding earning assets | 0.3224% | 7,176 |
| Net interest margin | 2.5928% | 7,078 |
| Noninterest income to average assets | 0.9968% | 1,350 |
| Noninterest expense to average assets | 2.6270% | 4,986 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.8788% | 2,826 |
| Return on assets (ROA) | 0.8788% | 2,971 |
| Pretax return on assets | 0.8788% | 3,847 |
| Return on Equity (ROE) | 7.6167% | 3,218 |
| Retained earnings to average equity (ytd only) | 2.4895% | 4,876 |
| Net charge-offs to loans | 0.4574% | 2,902 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 7.9656% | 2,273 |
| Efficiency ratio | 74.9322% | 3,016 |
| Assets per employee ($millions) | 2.6919% | 6,656 |
| Cash dividends to net income (ytd only)* | 67.3171% | 959 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0283% | 6,133 |
| Loan loss allowance to noncurrent loans | 118.8811% | 2,516 |
| Noncurrent assets plus other real estate owned to assets | 0.2125% | 6,529 |
| Noncurrent loans to loans | 0.8650% | 5,134 |
| Net loans and leases to total assets | 24.3128% | 7,227 |
| Net loans and leases to deposits | 27.7022% | 7,248 |
| Net loans and leases to core deposits | 28.3826% | 7,253 |
| Total domestic deposits to total assets | 87.7649% | 2,184 |
| Equity capital to assets | 12.1608% | 2,136 |
| Core capital (leverage) ratio | 11.9282% | 1,745 |
| Tier 1 risk-based capital ratio | 37.0787% | 303 |
| Total risk-based capital ratio | 37.8789% | 303 |
| Memoranda: | ||
| Average total assets | $70,090,500 | 5,780 |
| Average earning assets | $67,827,500 | 5,658 |
| Average equity | $8,087,250 | 5,569 |
| Average total loans | $16,905,500 | 6,876 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9444% | 7,351 |
| Cost of funding earning assets | 0.3382% | 7,251 |
| Net interest margin | 2.6062% | 7,113 |
| Noninterest income to average assets | 0.9462% | 1,482 |
| Noninterest expense to average assets | 2.5767% | 5,275 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.8871% | 2,700 |
| Return on assets (ROA) | 0.8871% | 2,804 |
| Pretax return on assets | 0.8871% | 3,670 |
| Return on Equity (ROE) | 7.8212% | 3,032 |
| Retained earnings to average equity (ytd only) | 0.0993% | 5,796 |
| Net charge-offs to loans | 0.4345% | 2,840 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 8.5135% | 2,045 |
| Efficiency ratio | 74.3902% | 3,293 |
| Assets per employee ($millions) | 2.6624% | 6,693 |
| Cash dividends to net income (ytd only)* | 98.7302% | 488 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1677% | 5,674 |
| Loan loss allowance to noncurrent loans | 99.4792% | 2,899 |
| Noncurrent assets plus other real estate owned to assets | 0.2885% | 6,411 |
| Noncurrent loans to loans | 1.1738% | 4,691 |
| Net loans and leases to total assets | 24.2875% | 7,312 |
| Net loans and leases to deposits | 27.6649% | 7,329 |
| Net loans and leases to core deposits | 28.3515% | 7,339 |
| Total domestic deposits to total assets | 87.7916% | 2,290 |
| Equity capital to assets | 12.1317% | 2,009 |
| Core capital (leverage) ratio | 10.7808% | 2,442 |
| Tier 1 risk-based capital ratio | 35.3584% | 335 |
| Total risk-based capital ratio | 36.2322% | 336 |
| Memoranda: | ||
| Average total assets | $71,021,330 | 5,796 |
| Average earning assets | $68,605,670 | 5,678 |
| Average equity | $8,055,000 | 5,596 |
| Average total loans | $17,030,000 | 6,940 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8617% | 7,429 |
| Cost of funding earning assets | 0.3443% | 7,322 |
| Net interest margin | 2.5174% | 7,184 |
| Noninterest income to average assets | 0.9010% | 1,661 |
| Noninterest expense to average assets | 2.5993% | 5,224 |
| Loan and lease loss provision to assets | 0.4095% | 2,145 |
| Net operating income to assets | 0.3276% | 5,280 |
| Return on assets (ROA) | 0.3276% | 5,355 |
| Pretax return on assets | 0.3276% | 5,572 |
| Return on Equity (ROE) | 2.9832% | 5,382 |
| Retained earnings to average equity (ytd only) | -0.3978% | 5,864 |
| Net charge-offs to loans | 0.5298% | 2,168 |
| Credit loss provision to net charge-offs | 326.0870% | 998 |
| Earnings coverage of net charge-offs (x) | 5.8696% | 2,194 |
| Efficiency ratio | 77.9051% | 2,860 |
| Assets per employee ($millions) | 2.9840% | 6,173 |
| Cash dividends to net income (ytd only)* | 113.3333% | 501 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6892% | 3,375 |
| Loan loss allowance to noncurrent loans | 202.8986% | 1,465 |
| Noncurrent assets plus other real estate owned to assets | 0.1850% | 6,693 |
| Noncurrent loans to loans | 0.8325% | 5,369 |
| Net loans and leases to total assets | 21.8442% | 7,408 |
| Net loans and leases to deposits | 24.5045% | 7,429 |
| Net loans and leases to core deposits | 24.9403% | 7,429 |
| Total domestic deposits to total assets | 89.1436% | 1,681 |
| Equity capital to assets | 10.7907% | 2,887 |
| Core capital (leverage) ratio | 10.5734% | 2,536 |
| Tier 1 risk-based capital ratio | 34.4509% | 365 |
| Total risk-based capital ratio | 35.7009% | 355 |
| Memoranda: | ||
| Average total assets | $73,251,500 | 5,780 |
| Average earning assets | $70,867,000 | 5,637 |
| Average equity | $8,045,000 | 5,593 |
| Average total loans | $17,366,500 | 6,977 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4210% | 7,412 |
| Cost of funding earning assets | 0.4383% | 7,388 |
| Net interest margin | 2.9827% | 6,759 |
| Noninterest income to average assets | 1.0231% | 1,434 |
| Noninterest expense to average assets | 2.7018% | 4,978 |
| Loan and lease loss provision to assets | 0.0796% | 6,361 |
| Net operating income to assets | 1.1172% | 1,649 |
| Return on assets (ROA) | 1.1230% | 1,710 |
| Pretax return on assets | 1.1230% | 2,491 |
| Return on Equity (ROE) | 9.5821% | 2,082 |
| Retained earnings to average equity (ytd only) | 1.6670% | 4,682 |
| Net charge-offs to loans | 0.1668% | 5,331 |
| Credit loss provision to net charge-offs | 171.8750% | 1,965 |
| Earnings coverage of net charge-offs (x) | 25.8438% | 829 |
| Efficiency ratio | 69.3022% | 4,312 |
| Assets per employee ($millions) | 2.8761% | 6,388 |
| Cash dividends to net income (ytd only)* | 82.6031% | 771 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2557% | 5,224 |
| Loan loss allowance to noncurrent loans | 121.9251% | 2,405 |
| Noncurrent assets plus other real estate owned to assets | 0.2601% | 6,597 |
| Noncurrent loans to loans | 1.0299% | 5,008 |
| Net loans and leases to total assets | 24.9353% | 7,455 |
| Net loans and leases to deposits | 28.0944% | 7,485 |
| Net loans and leases to core deposits | 28.6150% | 7,489 |
| Total domestic deposits to total assets | 88.7555% | 1,796 |
| Equity capital to assets | 11.1819% | 2,525 |
| Core capital (leverage) ratio | 11.0596% | 2,117 |
| Tier 1 risk-based capital ratio | 33.3434% | 394 |
| Total risk-based capital ratio | 34.3274% | 398 |
| Memoranda: | ||
| Average total assets | $69,101,800 | 5,911 |
| Average earning assets | $66,617,600 | 5,781 |
| Average equity | $8,098,400 | 5,685 |
| Average total loans | $19,180,400 | 6,967 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5126% | 7,527 |
| Cost of funding earning assets | 0.4573% | 7,511 |
| Net interest margin | 3.0553% | 6,718 |
| Noninterest income to average assets | 1.0292% | 1,374 |
| Noninterest expense to average assets | 2.7796% | 4,567 |
| Loan and lease loss provision to assets | 0.0682% | 6,388 |
| Net operating income to assets | 1.1247% | 1,807 |
| Return on assets (ROA) | 1.1325% | 1,901 |
| Pretax return on assets | 1.1325% | 2,724 |
| Return on Equity (ROE) | 9.5483% | 2,305 |
| Retained earnings to average equity (ytd only) | 3.8128% | 3,778 |
| Net charge-offs to loans | 0.0892% | 5,633 |
| Credit loss provision to net charge-offs | 269.2308% | 1,219 |
| Earnings coverage of net charge-offs (x) | 47.0848% | 595 |
| Efficiency ratio | 69.9706% | 4,073 |
| Assets per employee ($millions) | 2.7364% | 6,712 |
| Cash dividends to net income (ytd only)* | 60.0684% | 1,244 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2102% | 5,445 |
| Loan loss allowance to noncurrent loans | 99.1266% | 2,803 |
| Noncurrent assets plus other real estate owned to assets | 0.3639% | 6,490 |
| Noncurrent loans to loans | 1.2208% | 4,808 |
| Net loans and leases to total assets | 29.4433% | 7,479 |
| Net loans and leases to deposits | 33.9116% | 7,520 |
| Net loans and leases to core deposits | 34.4821% | 7,525 |
| Total domestic deposits to total assets | 86.8235% | 2,634 |
| Equity capital to assets | 13.0748% | 1,534 |
| Core capital (leverage) ratio | 12.4372% | 1,444 |
| Tier 1 risk-based capital ratio | 34.2875% | 366 |
| Total risk-based capital ratio | 35.2825% | 372 |
| Memoranda: | ||
| Average total assets | $68,401,750 | 5,993 |
| Average earning assets | $65,894,750 | 5,862 |
| Average equity | $8,113,000 | 5,750 |
| Average total loans | $19,436,250 | 7,052 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5374% | 7,599 |
| Cost of funding earning assets | 0.4732% | 7,579 |
| Net interest margin | 3.0642% | 6,694 |
| Noninterest income to average assets | 0.9940% | 1,394 |
| Noninterest expense to average assets | 2.7740% | 4,597 |
| Loan and lease loss provision to assets | 0.0997% | 5,912 |
| Net operating income to assets | 1.0709% | 1,941 |
| Return on assets (ROA) | 1.0823% | 1,986 |
| Pretax return on assets | 1.0823% | 2,837 |
| Return on Equity (ROE) | 9.4125% | 2,310 |
| Retained earnings to average equity (ytd only) | 0.7679% | 5,462 |
| Net charge-offs to loans | 0.0509% | 5,674 |
| Credit loss provision to net charge-offs | 700.0000% | 536 |
| Earnings coverage of net charge-offs (x) | 82.2000% | 391 |
| Efficiency ratio | 70.3249% | 4,125 |
| Assets per employee ($millions) | 2.7096% | 6,770 |
| Cash dividends to net income (ytd only)* | 91.8421% | 555 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2956% | 4,943 |
| Loan loss allowance to noncurrent loans | 159.8639% | 1,748 |
| Noncurrent assets plus other real estate owned to assets | 0.2260% | 6,832 |
| Noncurrent loans to loans | 0.8105% | 5,656 |
| Net loans and leases to total assets | 27.5304% | 7,588 |
| Net loans and leases to deposits | 31.4281% | 7,619 |
| Net loans and leases to core deposits | 31.9343% | 7,629 |
| Total domestic deposits to total assets | 87.5980% | 2,208 |
| Equity capital to assets | 12.3112% | 1,923 |
| Core capital (leverage) ratio | 11.0369% | 2,210 |
| Tier 1 risk-based capital ratio | 32.9201% | 400 |
| Total risk-based capital ratio | 33.9352% | 401 |
| Memoranda: | ||
| Average total assets | $70,223,000 | 5,974 |
| Average earning assets | $67,619,670 | 5,840 |
| Average equity | $8,074,330 | 5,772 |
| Average total loans | $19,662,330 | 7,087 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5022% | 7,703 |
| Cost of funding earning assets | 0.4856% | 7,692 |
| Net interest margin | 3.0166% | 6,793 |
| Noninterest income to average assets | 0.9064% | 1,598 |
| Noninterest expense to average assets | 2.7245% | 4,793 |
| Loan and lease loss provision to assets | 0.1923% | 4,579 |
| Net operating income to assets | 0.8899% | 2,595 |
| Return on assets (ROA) | 0.8899% | 2,664 |
| Pretax return on assets | 0.8899% | 3,506 |
| Return on Equity (ROE) | 7.9916% | 2,889 |
| Retained earnings to average equity (ytd only) | 7.9916% | 1,710 |
| Net charge-offs to loans | 0.0979% | 4,438 |
| Credit loss provision to net charge-offs | 700.0000% | 638 |
| Earnings coverage of net charge-offs (x) | 39.4000% | 701 |
| Efficiency ratio | 71.5729% | 4,003 |
| Assets per employee ($millions) | 2.8897% | 6,464 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1282% | 5,873 |
| Loan loss allowance to noncurrent loans | 350.7463% | 888 |
| Noncurrent assets plus other real estate owned to assets | 0.0927% | 7,254 |
| Noncurrent loans to loans | 0.3217% | 6,659 |
| Net loans and leases to total assets | 28.5070% | 7,660 |
| Net loans and leases to deposits | 32.1661% | 7,692 |
| Net loans and leases to core deposits | 32.6242% | 7,709 |
| Total domestic deposits to total assets | 88.6243% | 1,721 |
| Equity capital to assets | 11.2843% | 2,518 |
| Core capital (leverage) ratio | 10.6722% | 2,468 |
| Tier 1 risk-based capital ratio | 29.0718% | 578 |
| Total risk-based capital ratio | 29.9531% | 581 |
| Memoranda: | ||
| Average total assets | $72,819,500 | 5,970 |
| Average earning assets | $70,012,500 | 5,848 |
| Average equity | $8,108,500 | 5,807 |
| Average total loans | $20,424,500 | 7,135 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8599% | 7,746 |
| Cost of funding earning assets | 0.6085% | 7,771 |
| Net interest margin | 3.2514% | 5,922 |
| Noninterest income to average assets | 1.1017% | 1,266 |
| Noninterest expense to average assets | 2.7579% | 5,131 |
| Loan and lease loss provision to assets | 0.2034% | 5,714 |
| Net operating income to assets | 1.1895% | 1,268 |
| Return on assets (ROA) | 1.1895% | 1,319 |
| Pretax return on assets | 1.1895% | 1,982 |
| Return on Equity (ROE) | 10.0284% | 1,681 |
| Retained earnings to average equity (ytd only) | -0.7524% | 5,192 |
| Net charge-offs to loans | 0.6620% | 3,199 |
| Credit loss provision to net charge-offs | 118.8034% | 4,525 |
| Earnings coverage of net charge-offs (x) | 8.1368% | 1,993 |
| Efficiency ratio | 66.4434% | 5,300 |
| Assets per employee ($millions) | 2.8230% | 6,620 |
| Cash dividends to net income (ytd only)* | 107.5031% | 522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0240% | 6,245 |
| Loan loss allowance to noncurrent loans | 325.3968% | 977 |
| Noncurrent assets plus other real estate owned to assets | 0.0858% | 7,285 |
| Noncurrent loans to loans | 0.3147% | 6,652 |
| Net loans and leases to total assets | 26.9970% | 7,769 |
| Net loans and leases to deposits | 30.3543% | 7,805 |
| Net loans and leases to core deposits | 32.7564% | 7,848 |
| Total domestic deposits to total assets | 88.9396% | 1,507 |
| Equity capital to assets | 10.9882% | 2,712 |
| Core capital (leverage) ratio | 10.7176% | 2,411 |
| Tier 1 risk-based capital ratio | 28.9728% | 578 |
| Total risk-based capital ratio | 29.7553% | 594 |
| Memoranda: | ||
| Average total assets | $68,348,400 | 6,059 |
| Average earning assets | $64,095,400 | 5,997 |
| Average equity | $8,107,000 | 5,889 |
| Average total loans | $17,673,800 | 7,327 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9830% | 7,808 |
| Cost of funding earning assets | 0.6574% | 7,852 |
| Net interest margin | 3.3256% | 5,541 |
| Noninterest income to average assets | 1.1090% | 1,282 |
| Noninterest expense to average assets | 2.8142% | 4,830 |
| Loan and lease loss provision to assets | 0.2763% | 4,768 |
| Net operating income to assets | 1.1150% | 1,692 |
| Return on assets (ROA) | 1.1150% | 1,753 |
| Pretax return on assets | 1.1150% | 2,517 |
| Return on Equity (ROE) | 9.2144% | 2,185 |
| Retained earnings to average equity (ytd only) | 0.1314% | 5,144 |
| Net charge-offs to loans | 0.8349% | 2,291 |
| Credit loss provision to net charge-offs | 129.9065% | 3,858 |
| Earnings coverage of net charge-offs (x) | 6.5422% | 2,588 |
| Efficiency ratio | 66.9187% | 5,204 |
| Assets per employee ($millions) | 2.4299% | 7,337 |
| Cash dividends to net income (ytd only)* | 98.5735% | 591 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1281% | 5,547 |
| Loan loss allowance to noncurrent loans | 767.8571% | 456 |
| Noncurrent assets plus other real estate owned to assets | 0.0427% | 7,466 |
| Noncurrent loans to loans | 0.1469% | 7,111 |
| Net loans and leases to total assets | 28.7215% | 7,830 |
| Net loans and leases to deposits | 32.8808% | 7,872 |
| Net loans and leases to core deposits | 35.9517% | 7,901 |
| Total domestic deposits to total assets | 87.3502% | 1,981 |
| Equity capital to assets | 12.5370% | 1,927 |
| Core capital (leverage) ratio | 11.7643% | 1,925 |
| Tier 1 risk-based capital ratio | 33.3624% | 425 |
| Total risk-based capital ratio | 34.2989% | 428 |
| Memoranda: | ||
| Average total assets | $67,086,250 | 6,149 |
| Average earning assets | $62,464,250 | 6,088 |
| Average equity | $8,117,500 | 5,940 |
| Average total loans | $17,087,250 | 7,414 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0478% | 7,888 |
| Cost of funding earning assets | 0.7169% | 7,907 |
| Net interest margin | 3.3309% | 5,435 |
| Noninterest income to average assets | 1.0802% | 1,367 |
| Noninterest expense to average assets | 2.8914% | 4,531 |
| Loan and lease loss provision to assets | 0.1332% | 5,760 |
| Net operating income to assets | 1.1631% | 1,580 |
| Return on assets (ROA) | 1.1631% | 1,659 |
| Pretax return on assets | 1.1631% | 2,417 |
| Return on Equity (ROE) | 9.7257% | 2,122 |
| Retained earnings to average equity (ytd only) | -1.5591% | 5,635 |
| Net charge-offs to loans | 0.8521% | 1,988 |
| Credit loss provision to net charge-offs | 64.2857% | 5,524 |
| Earnings coverage of net charge-offs (x) | 6.2571% | 2,655 |
| Efficiency ratio | 69.0459% | 4,974 |
| Assets per employee ($millions) | 2.3828% | 7,457 |
| Cash dividends to net income (ytd only)* | 116.0305% | 550 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9177% | 6,696 |
| Loan loss allowance to noncurrent loans | 292.5926% | 1,073 |
| Noncurrent assets plus other real estate owned to assets | 0.0839% | 7,376 |
| Noncurrent loans to loans | 0.3136% | 6,730 |
| Net loans and leases to total assets | 26.5155% | 7,956 |
| Net loans and leases to deposits | 30.4060% | 7,987 |
| Net loans and leases to core deposits | 33.8930% | 8,005 |
| Total domestic deposits to total assets | 87.2047% | 2,148 |
| Equity capital to assets | 12.6228% | 1,864 |
| Core capital (leverage) ratio | 11.2071% | 2,257 |
| Tier 1 risk-based capital ratio | 33.5797% | 458 |
| Total risk-based capital ratio | 34.2789% | 458 |
| Memoranda: | ||
| Average total assets | $67,579,670 | 6,168 |
| Average earning assets | $63,046,330 | 6,113 |
| Average equity | $8,081,670 | 5,991 |
| Average total loans | $16,430,330 | 7,516 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0499% | 7,969 |
| Cost of funding earning assets | 0.7245% | 7,981 |
| Net interest margin | 3.3254% | 5,420 |
| Noninterest income to average assets | 1.0173% | 1,435 |
| Noninterest expense to average assets | 2.8670% | 4,275 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.2543% | 1,495 |
| Return on assets (ROA) | 1.2543% | 1,596 |
| Pretax return on assets | 1.2543% | 2,439 |
| Return on Equity (ROE) | 10.7666% | 2,036 |
| Retained earnings to average equity (ytd only) | 2.5304% | 4,468 |
| Net charge-offs to loans | 0.4988% | 2,214 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 10.8500% | 1,909 |
| Efficiency ratio | 69.5652% | 4,664 |
| Assets per employee ($millions) | 2.6819% | 6,925 |
| Cash dividends to net income (ytd only)* | 76.4977% | 1,136 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9930% | 6,243 |
| Loan loss allowance to noncurrent loans | 132.5203% | 2,399 |
| Noncurrent assets plus other real estate owned to assets | 0.1699% | 7,045 |
| Noncurrent loans to loans | 0.7493% | 5,559 |
| Net loans and leases to total assets | 22.4444% | 8,061 |
| Net loans and leases to deposits | 25.3099% | 8,087 |
| Net loans and leases to core deposits | 27.5453% | 8,101 |
| Total domestic deposits to total assets | 88.6784% | 1,392 |
| Equity capital to assets | 11.2125% | 2,801 |
| Core capital (leverage) ratio | 11.4241% | 2,194 |
| Tier 1 risk-based capital ratio | 32.2489% | 520 |
| Total risk-based capital ratio | 32.9314% | 534 |
| Memoranda: | ||
| Average total assets | $69,201,500 | 6,134 |
| Average earning assets | $64,594,500 | 6,083 |
| Average equity | $8,062,000 | 6,037 |
| Average total loans | $16,037,000 | 7,574 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9283% | 7,880 |
| Cost of funding earning assets | 1.2246% | 7,917 |
| Net interest margin | 3.7037% | 4,459 |
| Noninterest income to average assets | 0.9890% | 1,610 |
| Noninterest expense to average assets | 2.4958% | 6,027 |
| Loan and lease loss provision to assets | 0.0085% | 7,266 |
| Net operating income to assets | 1.9808% | 370 |
| Return on assets (ROA) | 1.9808% | 351 |
| Pretax return on assets | 1.9808% | 635 |
| Return on Equity (ROE) | 17.6536% | 564 |
| Retained earnings to average equity (ytd only) | 2.1058% | 3,925 |
| Net charge-offs to loans | 0.1720% | 4,485 |
| Credit loss provision to net charge-offs | 26.0870% | 6,552 |
| Earnings coverage of net charge-offs (x) | 61.1304% | 655 |
| Efficiency ratio | 55.6467% | 7,064 |
| Assets per employee ($millions) | 2.4442% | 7,312 |
| Cash dividends to net income (ytd only)* | 88.0714% | 1,370 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1687% | 4,787 |
| Loan loss allowance to noncurrent loans | 269.1176% | 1,495 |
| Noncurrent assets plus other real estate owned to assets | 0.1030% | 7,169 |
| Noncurrent loans to loans | 0.4343% | 6,048 |
| Net loans and leases to total assets | 23.4510% | 8,114 |
| Net loans and leases to deposits | 26.7302% | 8,151 |
| Net loans and leases to core deposits | 29.9053% | 8,152 |
| Total domestic deposits to total assets | 87.7320% | 1,589 |
| Equity capital to assets | 12.1301% | 2,207 |
| Core capital (leverage) ratio | 11.7233% | 2,115 |
| Tier 1 risk-based capital ratio | 33.1069% | 507 |
| Total risk-based capital ratio | 33.8987% | 509 |
| Memoranda: | ||
| Average total assets | $70,677,800 | 6,012 |
| Average earning assets | $66,716,400 | 5,944 |
| Average equity | $7,930,400 | 6,112 |
| Average total loans | $13,373,600 | 7,746 |