Home > The First National Bank of Brownstown > Performance and Condition Ratios
The First National Bank of Brownstown, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6250% | 3,726 |
| Cost of funding earning assets | 1.3807% | 3,443 |
| Net interest margin | 3.2443% | 2,899 |
| Noninterest income to average assets | 0.2800% | 3,001 |
| Noninterest expense to average assets | 2.0038% | 3,548 |
| Loan and lease loss provision to assets | 0.0600% | 1,800 |
| Net operating income to assets | 1.0204% | 2,224 |
| Return on assets (ROA) | 1.0090% | 2,251 |
| Pretax return on assets | 1.2648% | 2,073 |
| Return on Equity (ROE) | 11.6300% | 1,848 |
| Retained earnings to average equity (ytd only) | 11.6274% | 855 |
| Net charge-offs to loans | 0.2101% | 521 |
| Credit loss provision to net charge-offs | 72.7273% | 1,444 |
| Earnings coverage of net charge-offs (x) | 17.0909% | 1,488 |
| Efficiency ratio | 60.0000% | 2,971 |
| Assets per employee ($millions) | 7.1365% | 2,127 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8877% | 466 |
| Loan loss allowance to noncurrent loans | 166.6667% | 2,355 |
| Noncurrent assets plus other real estate owned to assets | 0.4099% | 1,711 |
| Noncurrent loans to loans | 1.1326% | 946 |
| Net loans and leases to total assets | 35.5000% | 4,100 |
| Net loans and leases to deposits | 39.1585% | 4,149 |
| Net loans and leases to core deposits | 41.9634% | 4,131 |
| Total domestic deposits to total assets | 90.6700% | 611 |
| Equity capital to assets | 8.8384% | 3,046 |
| Core capital (leverage) ratio | 10.4192% | 2,481 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.5959% | 348 |
| Memoranda: | ||
| Average total assets | $56,293,000 | 4,165 |
| Average earning assets | $53,016,000 | 4,133 |
| Average equity | $4,885,000 | 4,248 |
| Average total loans | $20,945,000 | 4,196 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4964% | 3,867 |
| Cost of funding earning assets | 1.3699% | 3,569 |
| Net interest margin | 3.1265% | 2,882 |
| Noninterest income to average assets | 0.3100% | 3,001 |
| Noninterest expense to average assets | 2.1984% | 3,144 |
| Loan and lease loss provision to assets | 0.1700% | 812 |
| Net operating income to assets | 0.7121% | 2,943 |
| Return on assets (ROA) | 0.7121% | 2,969 |
| Pretax return on assets | 0.8527% | 2,938 |
| Return on Equity (ROE) | 8.2600% | 2,679 |
| Retained earnings to average equity (ytd only) | 6.7751% | 1,514 |
| Net charge-offs to loans | 0.4515% | 329 |
| Credit loss provision to net charge-offs | 97.8723% | 1,934 |
| Earnings coverage of net charge-offs (x) | 5.9468% | 2,546 |
| Efficiency ratio | 68.2927% | 2,213 |
| Assets per employee ($millions) | 6.9368% | 2,202 |
| Cash dividends to net income (ytd only)* | 17.9487% | 3,017 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8512% | 490 |
| Loan loss allowance to noncurrent loans | 99.7462% | 2,974 |
| Noncurrent assets plus other real estate owned to assets | 0.7100% | 1,039 |
| Noncurrent loans to loans | 1.8559% | 446 |
| Net loans and leases to total assets | 37.5500% | 4,070 |
| Net loans and leases to deposits | 41.2957% | 4,125 |
| Net loans and leases to core deposits | 44.5226% | 4,121 |
| Total domestic deposits to total assets | 90.9300% | 536 |
| Equity capital to assets | 8.5126% | 3,188 |
| Core capital (leverage) ratio | 10.3345% | 2,493 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.1654% | 405 |
| Memoranda: | ||
| Average total assets | $54,766,000 | 4,190 |
| Average earning assets | $50,951,600 | 4,165 |
| Average equity | $4,723,200 | 4,265 |
| Average total loans | $20,821,400 | 4,208 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4560% | 3,895 |
| Cost of funding earning assets | 1.3036% | 3,661 |
| Net interest margin | 3.1524% | 2,786 |
| Noninterest income to average assets | 0.3200% | 2,913 |
| Noninterest expense to average assets | 2.1520% | 3,207 |
| Loan and lease loss provision to assets | 0.1400% | 908 |
| Net operating income to assets | 0.7890% | 2,723 |
| Return on assets (ROA) | 0.7890% | 2,739 |
| Pretax return on assets | 0.9526% | 2,681 |
| Return on Equity (ROE) | 9.1200% | 2,450 |
| Retained earnings to average equity (ytd only) | 9.1183% | 1,088 |
| Net charge-offs to loans | 0.4312% | 312 |
| Credit loss provision to net charge-offs | 83.5821% | 1,818 |
| Earnings coverage of net charge-offs (x) | 6.6567% | 2,300 |
| Efficiency ratio | 66.3904% | 2,433 |
| Assets per employee ($millions) | 6.8256% | 2,261 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8105% | 539 |
| Loan loss allowance to noncurrent loans | 92.5301% | 3,097 |
| Noncurrent assets plus other real estate owned to assets | 0.7600% | 932 |
| Noncurrent loans to loans | 1.9566% | 404 |
| Net loans and leases to total assets | 38.1400% | 4,079 |
| Net loans and leases to deposits | 42.4129% | 4,146 |
| Net loans and leases to core deposits | 45.3094% | 4,143 |
| Total domestic deposits to total assets | 89.9200% | 615 |
| Equity capital to assets | 9.4881% | 2,682 |
| Core capital (leverage) ratio | 10.5587% | 2,375 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.1582% | 414 |
| Memoranda: | ||
| Average total assets | $54,584,000 | 4,212 |
| Average earning assets | $50,627,000 | 4,192 |
| Average equity | $4,723,000 | 4,290 |
| Average total loans | $20,719,250 | 4,233 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4285% | 3,881 |
| Cost of funding earning assets | 1.2801% | 3,655 |
| Net interest margin | 3.1485% | 2,748 |
| Noninterest income to average assets | 0.3300% | 2,813 |
| Noninterest expense to average assets | 2.1071% | 3,303 |
| Loan and lease loss provision to assets | 0.1200% | 978 |
| Net operating income to assets | 0.8245% | 2,548 |
| Return on assets (ROA) | 0.8245% | 2,559 |
| Pretax return on assets | 1.0041% | 2,474 |
| Return on Equity (ROE) | 9.8500% | 2,230 |
| Retained earnings to average equity (ytd only) | 9.8461% | 915 |
| Net charge-offs to loans | 0.4476% | 275 |
| Credit loss provision to net charge-offs | 69.5652% | 1,718 |
| Earnings coverage of net charge-offs (x) | 6.6522% | 2,142 |
| Efficiency ratio | 65.2667% | 2,622 |
| Assets per employee ($millions) | 6.9026% | 2,138 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8196% | 543 |
| Loan loss allowance to noncurrent loans | 158.7500% | 2,590 |
| Noncurrent assets plus other real estate owned to assets | 0.4346% | 1,495 |
| Noncurrent loans to loans | 1.1462% | 789 |
| Net loans and leases to total assets | 37.2300% | 4,117 |
| Net loans and leases to deposits | 40.8659% | 4,184 |
| Net loans and leases to core deposits | 42.2162% | 4,196 |
| Total domestic deposits to total assets | 91.1000% | 430 |
| Equity capital to assets | 8.3827% | 3,178 |
| Core capital (leverage) ratio | 10.3936% | 2,470 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.6485% | 436 |
| Memoranda: | ||
| Average total assets | $54,577,000 | 4,228 |
| Average earning assets | $50,310,333 | 4,215 |
| Average equity | $4,570,333 | 4,310 |
| Average total loans | $20,555,667 | 4,259 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2943% | 3,969 |
| Cost of funding earning assets | 1.2979% | 3,564 |
| Net interest margin | 2.9964% | 3,004 |
| Noninterest income to average assets | 0.3500% | 2,619 |
| Noninterest expense to average assets | 2.0717% | 3,393 |
| Loan and lease loss provision to assets | 0.1400% | 749 |
| Net operating income to assets | 0.7520% | 2,673 |
| Return on assets (ROA) | 0.7520% | 2,693 |
| Pretax return on assets | 0.8921% | 2,687 |
| Return on Equity (ROE) | 8.9800% | 2,395 |
| Retained earnings to average equity (ytd only) | 8.9848% | 1,319 |
| Net charge-offs to loans | 0.1179% | 660 |
| Credit loss provision to net charge-offs | 316.6667% | 639 |
| Earnings coverage of net charge-offs (x) | 23.3333% | 1,278 |
| Efficiency ratio | 66.7458% | 2,524 |
| Assets per employee ($millions) | 6.8390% | 2,179 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9586% | 416 |
| Loan loss allowance to noncurrent loans | 132.8990% | 2,867 |
| Noncurrent assets plus other real estate owned to assets | 0.5611% | 1,147 |
| Noncurrent loans to loans | 1.4738% | 547 |
| Net loans and leases to total assets | 37.3300% | 4,108 |
| Net loans and leases to deposits | 41.0579% | 4,156 |
| Net loans and leases to core deposits | 42.1919% | 4,238 |
| Total domestic deposits to total assets | 90.9200% | 552 |
| Equity capital to assets | 8.2980% | 3,163 |
| Core capital (leverage) ratio | 10.4446% | 2,364 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.6412% | 452 |
| Memoranda: | ||
| Average total assets | $54,255,000 | 4,262 |
| Average earning assets | $49,927,000 | 4,243 |
| Average equity | $4,541,000 | 4,333 |
| Average total loans | $20,364,000 | 4,285 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0149% | 3,945 |
| Cost of funding earning assets | 0.7779% | 3,792 |
| Net interest margin | 3.2370% | 2,778 |
| Noninterest income to average assets | 0.3800% | 2,615 |
| Noninterest expense to average assets | 2.1251% | 3,336 |
| Loan and lease loss provision to assets | 0.0600% | 1,903 |
| Net operating income to assets | 0.9079% | 2,522 |
| Return on assets (ROA) | 0.9004% | 2,519 |
| Pretax return on assets | 1.1407% | 2,291 |
| Return on Equity (ROE) | 11.4100% | 2,123 |
| Retained earnings to average equity (ytd only) | 9.7153% | 1,087 |
| Net charge-offs to loans | 0.0723% | 1,133 |
| Credit loss provision to net charge-offs | 207.1429% | 1,198 |
| Earnings coverage of net charge-offs (x) | 45.1429% | 1,356 |
| Efficiency ratio | 63.8030% | 2,629 |
| Assets per employee ($millions) | 6.7248% | 2,255 |
| Cash dividends to net income (ytd only)* | 14.8305% | 3,102 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9852% | 381 |
| Loan loss allowance to noncurrent loans | 141.0714% | 2,920 |
| Noncurrent assets plus other real estate owned to assets | 0.5205% | 1,081 |
| Noncurrent loans to loans | 1.4072% | 496 |
| Net loans and leases to total assets | 36.2500% | 4,145 |
| Net loans and leases to deposits | 39.9648% | 4,203 |
| Net loans and leases to core deposits | 41.0776% | 4,272 |
| Total domestic deposits to total assets | 90.7100% | 578 |
| Equity capital to assets | 8.4427% | 3,093 |
| Core capital (leverage) ratio | 10.5316% | 2,323 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.1664% | 415 |
| Memoranda: | ||
| Average total assets | $52,421,800 | 4,295 |
| Average earning assets | $47,821,800 | 4,275 |
| Average equity | $4,137,800 | 4,342 |
| Average total loans | $19,354,400 | 4,304 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9619% | 3,905 |
| Cost of funding earning assets | 0.6472% | 3,878 |
| Net interest margin | 3.3147% | 2,646 |
| Noninterest income to average assets | 0.3900% | 2,543 |
| Noninterest expense to average assets | 2.0277% | 3,523 |
| Loan and lease loss provision to assets | 0.0400% | 2,145 |
| Net operating income to assets | 1.0778% | 2,124 |
| Return on assets (ROA) | 1.0676% | 2,144 |
| Pretax return on assets | 1.3416% | 1,923 |
| Return on Equity (ROE) | 13.7700% | 1,713 |
| Retained earnings to average equity (ytd only) | 13.7731% | 702 |
| Net charge-offs to loans | 0.0347% | 1,395 |
| Credit loss provision to net charge-offs | 280.0000% | 923 |
| Earnings coverage of net charge-offs (x) | 108.6000% | 886 |
| Efficiency ratio | 59.3258% | 3,043 |
| Assets per employee ($millions) | 6.4770% | 2,341 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9717% | 413 |
| Loan loss allowance to noncurrent loans | 139.7849% | 2,896 |
| Noncurrent assets plus other real estate owned to assets | 0.5384% | 1,084 |
| Noncurrent loans to loans | 1.4105% | 530 |
| Net loans and leases to total assets | 37.4200% | 4,137 |
| Net loans and leases to deposits | 40.7996% | 4,188 |
| Net loans and leases to core deposits | 41.7205% | 4,221 |
| Total domestic deposits to total assets | 91.7200% | 511 |
| Equity capital to assets | 7.5363% | 3,336 |
| Core capital (leverage) ratio | 10.6996% | 2,233 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.0648% | 433 |
| Memoranda: | ||
| Average total assets | $52,077,750 | 4,317 |
| Average earning assets | $47,585,000 | 4,292 |
| Average equity | $4,036,750 | 4,364 |
| Average total loans | $19,218,750 | 4,321 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8902% | 3,889 |
| Cost of funding earning assets | 0.5695% | 3,834 |
| Net interest margin | 3.3207% | 2,706 |
| Noninterest income to average assets | 0.3800% | 2,569 |
| Noninterest expense to average assets | 1.9668% | 3,669 |
| Loan and lease loss provision to assets | 0.0200% | 2,476 |
| Net operating income to assets | 1.1308% | 2,033 |
| Return on assets (ROA) | 1.1157% | 2,070 |
| Pretax return on assets | 1.4109% | 1,786 |
| Return on Equity (ROE) | 14.2600% | 1,628 |
| Retained earnings to average equity (ytd only) | 14.2624% | 650 |
| Net charge-offs to loans | -0.0525% | 4,380 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 57.5112% | 3,254 |
| Assets per employee ($millions) | 6.5140% | 2,271 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9862% | 427 |
| Loan loss allowance to noncurrent loans | 139.6429% | 2,988 |
| Noncurrent assets plus other real estate owned to assets | 0.5373% | 1,012 |
| Noncurrent loans to loans | 1.4223% | 486 |
| Net loans and leases to total assets | 37.0300% | 4,143 |
| Net loans and leases to deposits | 40.5843% | 4,199 |
| Net loans and leases to core deposits | 40.8343% | 4,245 |
| Total domestic deposits to total assets | 91.2300% | 576 |
| Equity capital to assets | 8.0269% | 3,196 |
| Core capital (leverage) ratio | 10.4138% | 2,380 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.8265% | 443 |
| Memoranda: | ||
| Average total assets | $52,165,000 | 4,333 |
| Average earning assets | $47,761,333 | 4,312 |
| Average equity | $4,080,667 | 4,388 |
| Average total loans | $19,031,667 | 4,343 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8770% | 3,723 |
| Cost of funding earning assets | 0.5075% | 3,662 |
| Net interest margin | 3.3695% | 2,710 |
| Noninterest income to average assets | 0.3800% | 2,520 |
| Noninterest expense to average assets | 1.9620% | 3,708 |
| Loan and lease loss provision to assets | 0.0200% | 2,260 |
| Net operating income to assets | 1.2190% | 1,885 |
| Return on assets (ROA) | 1.1879% | 1,925 |
| Pretax return on assets | 1.4638% | 1,744 |
| Return on Equity (ROE) | 15.3900% | 1,479 |
| Retained earnings to average equity (ytd only) | 15.3865% | 749 |
| Net charge-offs to loans | -0.1711% | 4,579 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 56.2637% | 3,379 |
| Assets per employee ($millions) | 6.6220% | 2,248 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0831% | 386 |
| Loan loss allowance to noncurrent loans | 163.1799% | 2,873 |
| Noncurrent assets plus other real estate owned to assets | 0.4511% | 1,133 |
| Noncurrent loans to loans | 1.2766% | 530 |
| Net loans and leases to total assets | 34.6000% | 4,246 |
| Net loans and leases to deposits | 37.8510% | 4,280 |
| Net loans and leases to core deposits | 38.0790% | 4,316 |
| Total domestic deposits to total assets | 91.4200% | 666 |
| Equity capital to assets | 8.0055% | 3,240 |
| Core capital (leverage) ratio | 9.8607% | 2,823 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.5437% | 409 |
| Memoranda: | ||
| Average total assets | $52,191,500 | 4,394 |
| Average earning assets | $48,079,000 | 4,371 |
| Average equity | $4,029,500 | 4,450 |
| Average total loans | $18,704,500 | 4,410 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1725% | 3,868 |
| Cost of funding earning assets | 0.4203% | 1,939 |
| Net interest margin | 2.7522% | 3,975 |
| Noninterest income to average assets | 0.3500% | 3,007 |
| Noninterest expense to average assets | 2.1936% | 3,046 |
| Loan and lease loss provision to assets | 0.0200% | 2,518 |
| Net operating income to assets | 0.5702% | 3,942 |
| Return on assets (ROA) | 0.5702% | 3,906 |
| Pretax return on assets | 0.6593% | 3,928 |
| Return on Equity (ROE) | 6.9600% | 3,649 |
| Retained earnings to average equity (ytd only) | 5.6082% | 2,782 |
| Net charge-offs to loans | 0.1654% | 507 |
| Credit loss provision to net charge-offs | 40.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 11.5000% | 2,147 |
| Efficiency ratio | 76.2560% | 986 |
| Assets per employee ($millions) | 6.4259% | 2,398 |
| Cash dividends to net income (ytd only)* | 19.4444% | 2,922 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0335% | 405 |
| Loan loss allowance to noncurrent loans | 145.0382% | 3,005 |
| Noncurrent assets plus other real estate owned to assets | 0.5097% | 1,001 |
| Noncurrent loans to loans | 1.4020% | 477 |
| Net loans and leases to total assets | 35.6100% | 4,230 |
| Net loans and leases to deposits | 38.6983% | 4,280 |
| Net loans and leases to core deposits | 38.9353% | 4,301 |
| Total domestic deposits to total assets | 92.0200% | 637 |
| Equity capital to assets | 7.4270% | 3,416 |
| Core capital (leverage) ratio | 10.1964% | 2,470 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.3643% | 453 |
| Memoranda: | ||
| Average total assets | $50,511,200 | 4,435 |
| Average earning assets | $46,398,800 | 4,414 |
| Average equity | $4,136,800 | 4,519 |
| Average total loans | $18,139,600 | 4,436 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0471% | 3,799 |
| Cost of funding earning assets | 0.4172% | 1,178 |
| Net interest margin | 2.6299% | 4,054 |
| Noninterest income to average assets | 0.3600% | 2,976 |
| Noninterest expense to average assets | 2.1741% | 2,996 |
| Loan and lease loss provision to assets | 0.0200% | 2,326 |
| Net operating income to assets | 0.5223% | 4,025 |
| Return on assets (ROA) | 0.5223% | 3,972 |
| Pretax return on assets | 0.5806% | 4,022 |
| Return on Equity (ROE) | 6.2300% | 3,752 |
| Retained earnings to average equity (ytd only) | 6.2293% | 2,663 |
| Net charge-offs to loans | 0.0963% | 639 |
| Credit loss provision to net charge-offs | 69.2308% | 1,455 |
| Earnings coverage of net charge-offs (x) | 17.5385% | 1,785 |
| Efficiency ratio | 78.2443% | 897 |
| Assets per employee ($millions) | 7.0063% | 1,937 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1635% | 370 |
| Loan loss allowance to noncurrent loans | 155.3360% | 2,994 |
| Noncurrent assets plus other real estate owned to assets | 0.5505% | 970 |
| Noncurrent loans to loans | 1.3928% | 518 |
| Net loans and leases to total assets | 36.2400% | 4,216 |
| Net loans and leases to deposits | 39.1782% | 4,267 |
| Net loans and leases to core deposits | 39.4276% | 4,294 |
| Total domestic deposits to total assets | 92.4900% | 721 |
| Equity capital to assets | 7.0427% | 3,491 |
| Core capital (leverage) ratio | 10.1044% | 2,444 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.6015% | 457 |
| Memoranda: | ||
| Average total assets | $50,287,250 | 4,470 |
| Average earning assets | $46,338,000 | 4,449 |
| Average equity | $4,216,500 | 4,557 |
| Average total loans | $18,002,750 | 4,471 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8570% | 3,878 |
| Cost of funding earning assets | 0.4094% | 863 |
| Net interest margin | 2.4477% | 4,162 |
| Noninterest income to average assets | 0.3392% | 3,123 |
| Noninterest expense to average assets | 2.1538% | 2,985 |
| Loan and lease loss provision to assets | 0.0237% | 2,173 |
| Net operating income to assets | 0.3945% | 4,119 |
| Return on assets (ROA) | 0.3945% | 4,071 |
| Pretax return on assets | 0.4260% | 4,117 |
| Return on Equity (ROE) | 4.4736% | 3,920 |
| Retained earnings to average equity (ytd only) | 4.4736% | 2,901 |
| Net charge-offs to loans | 0.1894% | 343 |
| Credit loss provision to net charge-offs | 35.2941% | 1,549 |
| Earnings coverage of net charge-offs (x) | 6.7059% | 1,885 |
| Efficiency ratio | 82.7273% | 756 |
| Assets per employee ($millions) | 7.2873% | 1,746 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1862% | 390 |
| Loan loss allowance to noncurrent loans | 148.4615% | 3,030 |
| Noncurrent assets plus other real estate owned to assets | 0.5430% | 1,051 |
| Noncurrent loans to loans | 1.4726% | 503 |
| Net loans and leases to total assets | 33.8554% | 4,342 |
| Net loans and leases to deposits | 36.8332% | 4,372 |
| Net loans and leases to core deposits | 37.0593% | 4,404 |
| Total domestic deposits to total assets | 91.9155% | 873 |
| Equity capital to assets | 7.6356% | 3,383 |
| Core capital (leverage) ratio | 9.7481% | 2,661 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.9396% | 424 |
| Memoranda: | ||
| Average total assets | $50,701,667 | 4,507 |
| Average earning assets | $46,901,667 | 4,492 |
| Average equity | $4,470,667 | 4,571 |
| Average total loans | $17,948,667 | 4,534 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7691% | 3,807 |
| Cost of funding earning assets | 0.4004% | 867 |
| Net interest margin | 2.3686% | 4,127 |
| Noninterest income to average assets | 0.3561% | 2,961 |
| Noninterest expense to average assets | 2.1129% | 3,105 |
| Loan and lease loss provision to assets | 0.0237% | 1,932 |
| Net operating income to assets | 0.3878% | 3,980 |
| Return on assets (ROA) | 0.3878% | 3,945 |
| Pretax return on assets | 0.4194% | 4,003 |
| Return on Equity (ROE) | 4.1189% | 3,844 |
| Retained earnings to average equity (ytd only) | 4.1189% | 2,893 |
| Net charge-offs to loans | 0.1989% | 313 |
| Credit loss provision to net charge-offs | 33.3333% | 1,251 |
| Earnings coverage of net charge-offs (x) | 6.2222% | 1,578 |
| Efficiency ratio | 82.6625% | 939 |
| Assets per employee ($millions) | 6.4206% | 2,436 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2937% | 376 |
| Loan loss allowance to noncurrent loans | 141.8182% | 3,038 |
| Noncurrent assets plus other real estate owned to assets | 0.5685% | 1,048 |
| Noncurrent loans to loans | 1.6174% | 497 |
| Net loans and leases to total assets | 32.3430% | 4,364 |
| Net loans and leases to deposits | 35.5434% | 4,399 |
| Net loans and leases to core deposits | 35.7615% | 4,431 |
| Total domestic deposits to total assets | 90.9958% | 1,035 |
| Equity capital to assets | 8.6148% | 3,061 |
| Core capital (leverage) ratio | 9.5253% | 2,769 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.4649% | 359 |
| Memoranda: | ||
| Average total assets | $50,547,000 | 4,530 |
| Average earning assets | $46,947,500 | 4,520 |
| Average equity | $4,758,500 | 4,584 |
| Average total loans | $18,095,000 | 4,550 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0812% | 3,723 |
| Cost of funding earning assets | 0.4539% | 1,172 |
| Net interest margin | 2.6273% | 4,008 |
| Noninterest income to average assets | 0.3856% | 3,131 |
| Noninterest expense to average assets | 2.1544% | 3,219 |
| Loan and lease loss provision to assets | 0.0254% | 2,552 |
| Net operating income to assets | 0.5562% | 3,966 |
| Return on assets (ROA) | 0.5804% | 3,960 |
| Pretax return on assets | 0.6609% | 4,011 |
| Return on Equity (ROE) | 5.3999% | 3,909 |
| Retained earnings to average equity (ytd only) | 4.2962% | 3,089 |
| Net charge-offs to loans | -0.1649% | 4,677 |
| Credit loss provision to net charge-offs | -38.7097% | 3,228 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.5813% | 1,060 |
| Assets per employee ($millions) | 6.2161% | 2,560 |
| Cash dividends to net income (ytd only)* | 20.4380% | 3,006 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0691% | 549 |
| Loan loss allowance to noncurrent loans | 183.7963% | 2,724 |
| Noncurrent assets plus other real estate owned to assets | 0.4685% | 1,407 |
| Noncurrent loans to loans | 1.1258% | 859 |
| Net loans and leases to total assets | 37.7848% | 4,206 |
| Net loans and leases to deposits | 42.4144% | 4,257 |
| Net loans and leases to core deposits | 42.6881% | 4,316 |
| Total domestic deposits to total assets | 89.0848% | 1,464 |
| Equity capital to assets | 10.2395% | 2,429 |
| Core capital (leverage) ratio | 9.9643% | 2,401 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.4112% | 422 |
| Memoranda: | ||
| Average total assets | $47,205,000 | 4,590 |
| Average earning assets | $43,619,400 | 4,572 |
| Average equity | $5,074,200 | 4,624 |
| Average total loans | $18,800,400 | 4,588 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1429% | 3,714 |
| Cost of funding earning assets | 0.4627% | 1,272 |
| Net interest margin | 2.6802% | 4,012 |
| Noninterest income to average assets | 0.3951% | 3,121 |
| Noninterest expense to average assets | 2.1585% | 3,197 |
| Loan and lease loss provision to assets | 0.0258% | 2,481 |
| Net operating income to assets | 0.5781% | 4,045 |
| Return on assets (ROA) | 0.6098% | 4,041 |
| Pretax return on assets | 0.7186% | 4,040 |
| Return on Equity (ROE) | 5.6017% | 4,001 |
| Retained earnings to average equity (ytd only) | 5.6017% | 2,999 |
| Net charge-offs to loans | -0.1782% | 4,752 |
| Credit loss provision to net charge-offs | -36.0000% | 3,115 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.3247% | 1,090 |
| Assets per employee ($millions) | 5.7294% | 2,959 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0832% | 554 |
| Loan loss allowance to noncurrent loans | 182.1596% | 2,667 |
| Noncurrent assets plus other real estate owned to assets | 0.5105% | 1,494 |
| Noncurrent loans to loans | 1.1436% | 986 |
| Net loans and leases to total assets | 39.7884% | 4,217 |
| Net loans and leases to deposits | 45.1813% | 4,271 |
| Net loans and leases to core deposits | 45.4992% | 4,337 |
| Total domestic deposits to total assets | 88.0637% | 1,806 |
| Equity capital to assets | 11.2621% | 1,844 |
| Core capital (leverage) ratio | 10.2555% | 2,266 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.5759% | 452 |
| Memoranda: | ||
| Average total assets | $46,574,000 | 4,661 |
| Average earning assets | $42,931,750 | 4,644 |
| Average equity | $5,069,750 | 4,695 |
| Average total loans | $18,703,750 | 4,657 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9771% | 4,084 |
| Cost of funding earning assets | 0.4645% | 1,418 |
| Net interest margin | 2.5127% | 4,287 |
| Noninterest income to average assets | 0.3716% | 3,256 |
| Noninterest expense to average assets | 2.0717% | 3,479 |
| Loan and lease loss provision to assets | 0.0256% | 2,460 |
| Net operating income to assets | 0.5211% | 4,176 |
| Return on assets (ROA) | 0.5211% | 4,221 |
| Pretax return on assets | 0.5852% | 4,261 |
| Return on Equity (ROE) | 4.8422% | 4,158 |
| Retained earnings to average equity (ytd only) | 4.8422% | 3,248 |
| Net charge-offs to loans | -0.0427% | 4,298 |
| Credit loss provision to net charge-offs | -150.0000% | 3,133 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.2293% | 969 |
| Assets per employee ($millions) | 5.8850% | 2,729 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9097% | 725 |
| Loan loss allowance to noncurrent loans | 163.2287% | 2,749 |
| Noncurrent assets plus other real estate owned to assets | 0.5183% | 1,607 |
| Noncurrent loans to loans | 1.1699% | 1,036 |
| Net loans and leases to total assets | 39.7133% | 4,297 |
| Net loans and leases to deposits | 44.8251% | 4,360 |
| Net loans and leases to core deposits | 45.1291% | 4,423 |
| Total domestic deposits to total assets | 88.5960% | 1,511 |
| Equity capital to assets | 10.7710% | 2,171 |
| Core capital (leverage) ratio | 9.9061% | 2,488 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.2104% | 470 |
| Memoranda: | ||
| Average total assets | $46,820,333 | 4,688 |
| Average earning assets | $43,061,667 | 4,670 |
| Average equity | $5,039,000 | 4,725 |
| Average total loans | $18,730,000 | 4,689 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0127% | 4,054 |
| Cost of funding earning assets | 0.4664% | 1,613 |
| Net interest margin | 2.5463% | 4,236 |
| Noninterest income to average assets | 0.3770% | 3,211 |
| Noninterest expense to average assets | 2.1846% | 3,156 |
| Loan and lease loss provision to assets | 0.0257% | 2,445 |
| Net operating income to assets | 0.4798% | 4,214 |
| Return on assets (ROA) | 0.4798% | 4,250 |
| Pretax return on assets | 0.5055% | 4,342 |
| Return on Equity (ROE) | 4.4595% | 4,200 |
| Retained earnings to average equity (ytd only) | 4.4595% | 3,376 |
| Net charge-offs to loans | 0.1508% | 515 |
| Credit loss provision to net charge-offs | 42.8571% | 1,340 |
| Earnings coverage of net charge-offs (x) | 8.8571% | 1,556 |
| Efficiency ratio | 80.4416% | 796 |
| Assets per employee ($millions) | 5.9733% | 2,622 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9349% | 694 |
| Loan loss allowance to noncurrent loans | 160.5505% | 2,693 |
| Noncurrent assets plus other real estate owned to assets | 0.5001% | 1,888 |
| Noncurrent loans to loans | 1.2052% | 1,091 |
| Net loans and leases to total assets | 37.1218% | 4,452 |
| Net loans and leases to deposits | 41.7860% | 4,504 |
| Net loans and leases to core deposits | 42.0635% | 4,565 |
| Total domestic deposits to total assets | 88.8377% | 1,423 |
| Equity capital to assets | 10.4759% | 2,292 |
| Core capital (leverage) ratio | 9.9413% | 2,593 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.7982% | 419 |
| Memoranda: | ||
| Average total assets | $46,690,500 | 4,710 |
| Average earning assets | $42,885,500 | 4,690 |
| Average equity | $5,023,000 | 4,745 |
| Average total loans | $18,564,500 | 4,719 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5751% | 3,861 |
| Cost of funding earning assets | 0.6004% | 2,303 |
| Net interest margin | 2.9746% | 3,953 |
| Noninterest income to average assets | 0.4257% | 2,988 |
| Noninterest expense to average assets | 2.2635% | 3,505 |
| Loan and lease loss provision to assets | 0.1305% | 2,729 |
| Net operating income to assets | 0.6500% | 3,594 |
| Return on assets (ROA) | 0.6500% | 3,720 |
| Pretax return on assets | 0.7530% | 3,756 |
| Return on Equity (ROE) | 5.9191% | 3,609 |
| Retained earnings to average equity (ytd only) | 4.7520% | 2,395 |
| Net charge-offs to loans | 0.4091% | 418 |
| Credit loss provision to net charge-offs | 70.5128% | 3,039 |
| Earnings coverage of net charge-offs (x) | 4.9487% | 2,921 |
| Efficiency ratio | 71.9273% | 1,692 |
| Assets per employee ($millions) | 5.6994% | 2,626 |
| Cash dividends to net income (ytd only)* | 19.7183% | 3,248 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8592% | 781 |
| Loan loss allowance to noncurrent loans | 99.4382% | 3,343 |
| Noncurrent assets plus other real estate owned to assets | 0.8268% | 1,233 |
| Noncurrent loans to loans | 1.8697% | 649 |
| Net loans and leases to total assets | 40.9826% | 4,400 |
| Net loans and leases to deposits | 46.5474% | 4,443 |
| Net loans and leases to core deposits | 46.8732% | 4,519 |
| Total domestic deposits to total assets | 88.0447% | 1,449 |
| Equity capital to assets | 11.0538% | 2,205 |
| Core capital (leverage) ratio | 10.2447% | 2,367 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.3785% | 480 |
| Memoranda: | ||
| Average total assets | $43,693,200 | 4,726 |
| Average earning assets | $39,971,200 | 4,717 |
| Average equity | $4,798,000 | 4,774 |
| Average total loans | $19,066,400 | 4,736 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5852% | 4,051 |
| Cost of funding earning assets | 0.6329% | 2,415 |
| Net interest margin | 2.9523% | 4,080 |
| Noninterest income to average assets | 0.4257% | 2,955 |
| Noninterest expense to average assets | 2.2521% | 3,548 |
| Loan and lease loss provision to assets | 0.1504% | 2,517 |
| Net operating income to assets | 0.6078% | 3,737 |
| Return on assets (ROA) | 0.6078% | 3,837 |
| Pretax return on assets | 0.7281% | 3,834 |
| Return on Equity (ROE) | 5.5443% | 3,706 |
| Retained earnings to average equity (ytd only) | 5.5443% | 2,303 |
| Net charge-offs to loans | 0.4544% | 336 |
| Credit loss provision to net charge-offs | 75.3846% | 2,784 |
| Earnings coverage of net charge-offs (x) | 4.3846% | 2,823 |
| Efficiency ratio | 71.9212% | 1,654 |
| Assets per employee ($millions) | 5.4673% | 2,739 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8951% | 594 |
| Loan loss allowance to noncurrent loans | 91.6031% | 3,382 |
| Noncurrent assets plus other real estate owned to assets | 0.9534% | 1,176 |
| Noncurrent loans to loans | 2.0689% | 581 |
| Net loans and leases to total assets | 42.6083% | 4,475 |
| Net loans and leases to deposits | 48.6567% | 4,530 |
| Net loans and leases to core deposits | 49.0112% | 4,606 |
| Total domestic deposits to total assets | 87.5692% | 1,410 |
| Equity capital to assets | 11.3997% | 2,080 |
| Core capital (leverage) ratio | 10.3218% | 2,408 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $43,217,750 | 4,751 |
| Average earning assets | $39,606,000 | 4,744 |
| Average equity | $4,737,500 | 4,807 |
| Average total loans | $19,073,000 | 4,768 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6616% | 4,153 |
| Cost of funding earning assets | 0.6856% | 2,471 |
| Net interest margin | 2.9760% | 4,178 |
| Noninterest income to average assets | 0.4507% | 2,803 |
| Noninterest expense to average assets | 2.2117% | 3,745 |
| Loan and lease loss provision to assets | 0.0743% | 3,367 |
| Net operating income to assets | 0.7016% | 3,388 |
| Return on assets (ROA) | 0.7016% | 3,496 |
| Pretax return on assets | 0.8875% | 3,345 |
| Return on Equity (ROE) | 6.4881% | 3,336 |
| Retained earnings to average equity (ytd only) | 6.4881% | 1,868 |
| Net charge-offs to loans | 0.4084% | 388 |
| Credit loss provision to net charge-offs | 41.0256% | 2,666 |
| Earnings coverage of net charge-offs (x) | 5.3077% | 2,521 |
| Efficiency ratio | 69.6925% | 1,998 |
| Assets per employee ($millions) | 5.6229% | 2,523 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8581% | 582 |
| Loan loss allowance to noncurrent loans | 120.8191% | 2,952 |
| Noncurrent assets plus other real estate owned to assets | 0.7047% | 1,743 |
| Noncurrent loans to loans | 1.5379% | 980 |
| Net loans and leases to total assets | 41.5668% | 4,543 |
| Net loans and leases to deposits | 47.0899% | 4,621 |
| Net loans and leases to core deposits | 47.4195% | 4,679 |
| Total domestic deposits to total assets | 88.2711% | 1,052 |
| Equity capital to assets | 10.8485% | 2,464 |
| Core capital (leverage) ratio | 10.1904% | 2,656 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $43,044,333 | 4,773 |
| Average earning assets | $39,381,333 | 4,770 |
| Average equity | $4,654,667 | 4,840 |
| Average total loans | $19,098,667 | 4,793 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8537% | 4,122 |
| Cost of funding earning assets | 0.7187% | 2,850 |
| Net interest margin | 3.1350% | 4,025 |
| Noninterest income to average assets | 0.4658% | 2,721 |
| Noninterest expense to average assets | 2.2721% | 3,832 |
| Loan and lease loss provision to assets | 0.0285% | 3,432 |
| Net operating income to assets | 0.8461% | 2,728 |
| Return on assets (ROA) | 0.8461% | 2,816 |
| Pretax return on assets | 1.0267% | 2,755 |
| Return on Equity (ROE) | 7.8380% | 2,582 |
| Retained earnings to average equity (ytd only) | 7.8380% | 1,281 |
| Net charge-offs to loans | -0.3138% | 4,986 |
| Credit loss provision to net charge-offs | -20.0000% | 3,102 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2857% | 2,623 |
| Assets per employee ($millions) | 5.4648% | 2,162 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0971% | 438 |
| Loan loss allowance to noncurrent loans | 130.8970% | 2,803 |
| Noncurrent assets plus other real estate owned to assets | 0.7434% | 1,816 |
| Noncurrent loans to loans | 1.6021% | 971 |
| Net loans and leases to total assets | 42.0742% | 4,591 |
| Net loans and leases to deposits | 47.3097% | 4,686 |
| Net loans and leases to core deposits | 48.9580% | 4,702 |
| Total domestic deposits to total assets | 88.9336% | 691 |
| Equity capital to assets | 10.3367% | 3,481 |
| Core capital (leverage) ratio | 10.2957% | 3,145 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $42,075,000 | 4,809 |
| Average earning assets | $38,405,000 | 4,812 |
| Average equity | $4,542,000 | 4,891 |
| Average total loans | $19,122,000 | 4,827 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0501% | 4,147 |
| Cost of funding earning assets | 0.6594% | 3,369 |
| Net interest margin | 3.3907% | 3,779 |
| Noninterest income to average assets | 0.5604% | 2,418 |
| Noninterest expense to average assets | 2.5914% | 3,200 |
| Loan and lease loss provision to assets | 0.1337% | 1,591 |
| Net operating income to assets | 0.7533% | 3,691 |
| Return on assets (ROA) | 0.7533% | 3,768 |
| Pretax return on assets | 0.9024% | 3,739 |
| Return on Equity (ROE) | 6.7113% | 3,659 |
| Retained earnings to average equity (ytd only) | 5.4286% | 2,207 |
| Net charge-offs to loans | 0.2412% | 850 |
| Credit loss provision to net charge-offs | 110.6383% | 2,258 |
| Earnings coverage of net charge-offs (x) | 8.5745% | 2,759 |
| Efficiency ratio | 71.4387% | 1,953 |
| Assets per employee ($millions) | 5.0540% | 2,518 |
| Cash dividends to net income (ytd only)* | 19.1126% | 3,500 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9326% | 522 |
| Loan loss allowance to noncurrent loans | 130.1038% | 2,832 |
| Noncurrent assets plus other real estate owned to assets | 0.7741% | 1,670 |
| Noncurrent loans to loans | 1.4854% | 979 |
| Net loans and leases to total assets | 47.1903% | 4,472 |
| Net loans and leases to deposits | 53.8056% | 4,540 |
| Net loans and leases to core deposits | 55.8646% | 4,590 |
| Total domestic deposits to total assets | 87.7053% | 1,269 |
| Equity capital to assets | 11.2906% | 2,720 |
| Core capital (leverage) ratio | 10.9956% | 2,504 |
| Tier 1 risk-based capital ratio | 22.5772% | 956 |
| Total risk-based capital ratio | 23.8366% | 941 |
| Memoranda: | ||
| Average total assets | $38,897,600 | 4,912 |
| Average earning assets | $35,184,600 | 4,913 |
| Average equity | $4,365,800 | 4,958 |
| Average total loans | $19,489,000 | 4,875 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0774% | 4,206 |
| Cost of funding earning assets | 0.6533% | 3,437 |
| Net interest margin | 3.4241% | 3,795 |
| Noninterest income to average assets | 0.5504% | 2,456 |
| Noninterest expense to average assets | 2.6241% | 3,090 |
| Loan and lease loss provision to assets | 0.1212% | 1,614 |
| Net operating income to assets | 0.7408% | 3,879 |
| Return on assets (ROA) | 0.7408% | 3,943 |
| Pretax return on assets | 0.8897% | 3,907 |
| Return on Equity (ROE) | 6.6110% | 3,840 |
| Retained earnings to average equity (ytd only) | 6.6110% | 2,051 |
| Net charge-offs to loans | 0.2325% | 763 |
| Credit loss provision to net charge-offs | 102.9412% | 2,192 |
| Earnings coverage of net charge-offs (x) | 8.5886% | 2,643 |
| Efficiency ratio | 72.1905% | 1,807 |
| Assets per employee ($millions) | 4.8980% | 2,663 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9265% | 535 |
| Loan loss allowance to noncurrent loans | 84.9315% | 3,547 |
| Noncurrent assets plus other real estate owned to assets | 1.1918% | 1,062 |
| Noncurrent loans to loans | 2.2683% | 542 |
| Net loans and leases to total assets | 48.3310% | 4,499 |
| Net loans and leases to deposits | 55.2805% | 4,586 |
| Net loans and leases to core deposits | 57.4540% | 4,639 |
| Total domestic deposits to total assets | 87.4285% | 1,295 |
| Equity capital to assets | 11.6119% | 2,588 |
| Core capital (leverage) ratio | 11.4379% | 2,272 |
| Tier 1 risk-based capital ratio | 22.5564% | 1,002 |
| Total risk-based capital ratio | 23.8161% | 969 |
| Memoranda: | ||
| Average total assets | $38,514,000 | 4,993 |
| Average earning assets | $34,694,500 | 4,992 |
| Average equity | $4,316,000 | 5,032 |
| Average total loans | $19,497,250 | 4,946 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0927% | 4,177 |
| Cost of funding earning assets | 0.6502% | 3,410 |
| Net interest margin | 3.4425% | 3,762 |
| Noninterest income to average assets | 0.5693% | 2,290 |
| Noninterest expense to average assets | 2.6325% | 3,112 |
| Loan and lease loss provision to assets | 0.0679% | 2,453 |
| Net operating income to assets | 0.8200% | 3,587 |
| Return on assets (ROA) | 0.8200% | 3,640 |
| Pretax return on assets | 0.9663% | 3,663 |
| Return on Equity (ROE) | 7.4092% | 3,526 |
| Retained earnings to average equity (ytd only) | 7.4092% | 1,641 |
| Net charge-offs to loans | 0.0102% | 2,764 |
| Credit loss provision to net charge-offs | 1,300.0000% | 280 |
| Earnings coverage of net charge-offs (x) | 198.0000% | 391 |
| Efficiency ratio | 71.7949% | 1,947 |
| Assets per employee ($millions) | 4.8409% | 2,684 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9900% | 487 |
| Loan loss allowance to noncurrent loans | 104.9315% | 3,266 |
| Noncurrent assets plus other real estate owned to assets | 1.0174% | 1,368 |
| Noncurrent loans to loans | 1.8965% | 783 |
| Net loans and leases to total assets | 48.7076% | 4,534 |
| Net loans and leases to deposits | 55.5431% | 4,613 |
| Net loans and leases to core deposits | 58.6773% | 4,619 |
| Total domestic deposits to total assets | 87.6933% | 1,247 |
| Equity capital to assets | 11.4416% | 2,653 |
| Core capital (leverage) ratio | 11.2203% | 2,403 |
| Tier 1 risk-based capital ratio | 22.2125% | 1,028 |
| Total risk-based capital ratio | 23.4748% | 1,010 |
| Memoranda: | ||
| Average total assets | $38,290,670 | 5,032 |
| Average earning assets | $34,451,330 | 5,036 |
| Average equity | $4,238,000 | 5,076 |
| Average total loans | $19,559,670 | 4,987 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0819% | 4,172 |
| Cost of funding earning assets | 0.6433% | 3,346 |
| Net interest margin | 3.4386% | 3,781 |
| Noninterest income to average assets | 0.4938% | 2,594 |
| Noninterest expense to average assets | 2.5110% | 3,475 |
| Loan and lease loss provision to assets | 0.0841% | 2,020 |
| Net operating income to assets | 0.8615% | 3,398 |
| Return on assets (ROA) | 0.8615% | 3,448 |
| Pretax return on assets | 0.9876% | 3,483 |
| Return on Equity (ROE) | 7.9198% | 3,296 |
| Retained earnings to average equity (ytd only) | 7.9198% | 1,694 |
| Net charge-offs to loans | 0.1014% | 1,132 |
| Credit loss provision to net charge-offs | 160.0000% | 1,189 |
| Earnings coverage of net charge-offs (x) | 20.4000% | 1,558 |
| Efficiency ratio | 70.0880% | 2,324 |
| Assets per employee ($millions) | 4.7581% | 2,838 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9725% | 530 |
| Loan loss allowance to noncurrent loans | 103.8781% | 3,329 |
| Noncurrent assets plus other real estate owned to assets | 1.0797% | 1,281 |
| Noncurrent loans to loans | 1.8989% | 800 |
| Net loans and leases to total assets | 48.9584% | 4,531 |
| Net loans and leases to deposits | 55.5172% | 4,624 |
| Net loans and leases to core deposits | 58.6628% | 4,622 |
| Total domestic deposits to total assets | 88.1860% | 1,240 |
| Equity capital to assets | 11.1336% | 2,719 |
| Core capital (leverage) ratio | 11.0433% | 2,537 |
| Tier 1 risk-based capital ratio | 21.9109% | 1,062 |
| Total risk-based capital ratio | 23.1728% | 1,032 |
| Memoranda: | ||
| Average total assets | $38,072,500 | 5,089 |
| Average earning assets | $34,200,000 | 5,096 |
| Average equity | $4,141,500 | 5,129 |
| Average total loans | $19,716,500 | 5,046 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9679% | 4,117 |
| Cost of funding earning assets | 0.5685% | 2,933 |
| Net interest margin | 3.3994% | 4,004 |
| Noninterest income to average assets | 0.5512% | 2,539 |
| Noninterest expense to average assets | 2.5962% | 3,344 |
| Loan and lease loss provision to assets | 0.3169% | 506 |
| Net operating income to assets | 0.5261% | 4,604 |
| Return on assets (ROA) | 0.5219% | 4,611 |
| Pretax return on assets | 0.6897% | 4,437 |
| Return on Equity (ROE) | 4.9128% | 4,475 |
| Retained earnings to average equity (ytd only) | 3.5091% | 3,657 |
| Net charge-offs to loans | 0.4095% | 449 |
| Credit loss provision to net charge-offs | 148.7500% | 1,850 |
| Earnings coverage of net charge-offs (x) | 4.7500% | 3,262 |
| Efficiency ratio | 71.9557% | 1,905 |
| Assets per employee ($millions) | 4.7600% | 2,798 |
| Cash dividends to net income (ytd only)* | 28.5714% | 3,103 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8167% | 660 |
| Loan loss allowance to noncurrent loans | 136.3971% | 2,891 |
| Noncurrent assets plus other real estate owned to assets | 0.8456% | 1,654 |
| Noncurrent loans to loans | 1.3319% | 1,177 |
| Net loans and leases to total assets | 52.6549% | 4,376 |
| Net loans and leases to deposits | 59.3717% | 4,511 |
| Net loans and leases to core deposits | 62.7064% | 4,507 |
| Total domestic deposits to total assets | 88.6870% | 986 |
| Equity capital to assets | 10.6224% | 3,055 |
| Core capital (leverage) ratio | 11.1706% | 2,379 |
| Tier 1 risk-based capital ratio | 20.0144% | 1,300 |
| Total risk-based capital ratio | 21.2713% | 1,274 |
| Memoranda: | ||
| Average total assets | $37,555,200 | 5,133 |
| Average earning assets | $33,770,600 | 5,139 |
| Average equity | $3,989,600 | 5,181 |
| Average total loans | $19,535,000 | 5,085 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9253% | 4,147 |
| Cost of funding earning assets | 0.5653% | 2,737 |
| Net interest margin | 3.3600% | 4,138 |
| Noninterest income to average assets | 0.5451% | 2,587 |
| Noninterest expense to average assets | 2.5758% | 3,360 |
| Loan and lease loss provision to assets | 0.1853% | 979 |
| Net operating income to assets | 0.6434% | 4,386 |
| Return on assets (ROA) | 0.6377% | 4,411 |
| Pretax return on assets | 0.8052% | 4,277 |
| Return on Equity (ROE) | 6.0029% | 4,265 |
| Retained earnings to average equity (ytd only) | 6.0029% | 2,656 |
| Net charge-offs to loans | 0.2416% | 707 |
| Credit loss provision to net charge-offs | 148.5714% | 1,726 |
| Earnings coverage of net charge-offs (x) | 7.9991% | 2,757 |
| Efficiency ratio | 72.0837% | 1,869 |
| Assets per employee ($millions) | 4.5528% | 3,037 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7718% | 765 |
| Loan loss allowance to noncurrent loans | 121.6028% | 3,124 |
| Noncurrent assets plus other real estate owned to assets | 0.9253% | 1,596 |
| Noncurrent loans to loans | 1.4570% | 1,122 |
| Net loans and leases to total assets | 53.1245% | 4,409 |
| Net loans and leases to deposits | 60.0751% | 4,544 |
| Net loans and leases to core deposits | 63.6166% | 4,542 |
| Total domestic deposits to total assets | 88.4301% | 1,077 |
| Equity capital to assets | 10.9714% | 2,687 |
| Core capital (leverage) ratio | 11.4728% | 2,187 |
| Tier 1 risk-based capital ratio | 20.5159% | 1,245 |
| Total risk-based capital ratio | 21.7717% | 1,218 |
| Memoranda: | ||
| Average total assets | $37,424,000 | 5,200 |
| Average earning assets | $33,729,250 | 5,204 |
| Average equity | $3,975,750 | 5,245 |
| Average total loans | $19,313,250 | 5,151 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8358% | 4,253 |
| Cost of funding earning assets | 0.5421% | 2,673 |
| Net interest margin | 3.2937% | 4,266 |
| Noninterest income to average assets | 0.5509% | 2,575 |
| Noninterest expense to average assets | 2.5372% | 3,524 |
| Loan and lease loss provision to assets | 0.2119% | 790 |
| Net operating income to assets | 0.5487% | 4,632 |
| Return on assets (ROA) | 0.5403% | 4,656 |
| Pretax return on assets | 0.7522% | 4,382 |
| Return on Equity (ROE) | 5.1398% | 4,513 |
| Retained earnings to average equity (ytd only) | 5.1398% | 3,004 |
| Net charge-offs to loans | 0.2085% | 760 |
| Credit loss provision to net charge-offs | 200.0000% | 1,298 |
| Earnings coverage of net charge-offs (x) | 9.2000% | 2,410 |
| Efficiency ratio | 72.2474% | 1,961 |
| Assets per employee ($millions) | 5.3814% | 2,007 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7963% | 756 |
| Loan loss allowance to noncurrent loans | 87.1287% | 3,708 |
| Noncurrent assets plus other real estate owned to assets | 1.1495% | 1,270 |
| Noncurrent loans to loans | 2.0616% | 712 |
| Net loans and leases to total assets | 51.0857% | 4,538 |
| Net loans and leases to deposits | 57.5152% | 4,668 |
| Net loans and leases to core deposits | 61.2418% | 4,646 |
| Total domestic deposits to total assets | 88.8213% | 1,006 |
| Equity capital to assets | 10.5362% | 3,078 |
| Core capital (leverage) ratio | 11.0106% | 2,518 |
| Tier 1 risk-based capital ratio | 19.8742% | 1,346 |
| Total risk-based capital ratio | 21.1325% | 1,317 |
| Memoranda: | ||
| Average total assets | $37,758,000 | 5,260 |
| Average earning assets | $33,943,670 | 5,262 |
| Average equity | $3,969,000 | 5,303 |
| Average total loans | $19,185,000 | 5,215 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7117% | 4,444 |
| Cost of funding earning assets | 0.5185% | 2,653 |
| Net interest margin | 3.1932% | 4,488 |
| Noninterest income to average assets | 0.5926% | 2,304 |
| Noninterest expense to average assets | 2.5925% | 3,354 |
| Loan and lease loss provision to assets | 0.1481% | 1,228 |
| Net operating income to assets | 0.6243% | 4,361 |
| Return on assets (ROA) | 0.6243% | 4,372 |
| Pretax return on assets | 0.7195% | 4,385 |
| Return on Equity (ROE) | 5.9461% | 4,175 |
| Retained earnings to average equity (ytd only) | 5.9461% | 2,730 |
| Net charge-offs to loans | 0.1686% | 855 |
| Credit loss provision to net charge-offs | 175.0000% | 1,136 |
| Earnings coverage of net charge-offs (x) | 10.2500% | 1,913 |
| Efficiency ratio | 74.9235% | 1,756 |
| Assets per employee ($millions) | 4.7634% | 2,777 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8293% | 738 |
| Loan loss allowance to noncurrent loans | 100.2967% | 3,458 |
| Noncurrent assets plus other real estate owned to assets | 0.9605% | 1,646 |
| Noncurrent loans to loans | 1.8239% | 911 |
| Net loans and leases to total assets | 47.6002% | 4,715 |
| Net loans and leases to deposits | 53.5769% | 4,821 |
| Net loans and leases to core deposits | 57.0194% | 4,795 |
| Total domestic deposits to total assets | 88.8446% | 1,180 |
| Equity capital to assets | 10.3236% | 3,248 |
| Core capital (leverage) ratio | 10.7732% | 2,659 |
| Tier 1 risk-based capital ratio | 21.3248% | 1,154 |
| Total risk-based capital ratio | 22.5850% | 1,124 |
| Memoranda: | ||
| Average total assets | $37,802,000 | 5,310 |
| Average earning assets | $33,947,000 | 5,316 |
| Average equity | $3,969,000 | 5,358 |
| Average total loans | $18,979,500 | 5,277 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8017% | 4,047 |
| Cost of funding earning assets | 0.4617% | 2,675 |
| Net interest margin | 3.3400% | 4,038 |
| Noninterest income to average assets | 0.7971% | 1,576 |
| Noninterest expense to average assets | 2.8021% | 2,766 |
| Loan and lease loss provision to assets | 0.2496% | 751 |
| Net operating income to assets | 0.5627% | 4,179 |
| Return on assets (ROA) | 0.5851% | 4,115 |
| Pretax return on assets | 0.7649% | 4,350 |
| Return on Equity (ROE) | 5.4934% | 3,969 |
| Retained earnings to average equity (ytd only) | 4.0822% | 2,725 |
| Net charge-offs to loans | 0.2663% | 976 |
| Credit loss provision to net charge-offs | 182.3529% | 1,487 |
| Earnings coverage of net charge-offs (x) | 7.1961% | 3,076 |
| Efficiency ratio | 73.9901% | 1,892 |
| Assets per employee ($millions) | 4.6871% | 2,885 |
| Cash dividends to net income (ytd only)* | 25.6881% | 3,466 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7041% | 944 |
| Loan loss allowance to noncurrent loans | 137.1901% | 2,972 |
| Noncurrent assets plus other real estate owned to assets | 0.7227% | 2,166 |
| Noncurrent loans to loans | 1.2422% | 1,423 |
| Net loans and leases to total assets | 51.0708% | 4,586 |
| Net loans and leases to deposits | 57.7590% | 4,699 |
| Net loans and leases to core deposits | 58.7171% | 4,819 |
| Total domestic deposits to total assets | 88.4204% | 1,287 |
| Equity capital to assets | 10.6782% | 2,960 |
| Core capital (leverage) ratio | 10.6516% | 2,695 |
| Tier 1 risk-based capital ratio | 19.8397% | 1,353 |
| Total risk-based capital ratio | 21.0933% | 1,318 |
| Memoranda: | ||
| Average total assets | $37,257,800 | 5,373 |
| Average earning assets | $33,353,600 | 5,378 |
| Average equity | $3,968,400 | 5,423 |
| Average total loans | $19,149,800 | 5,334 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7460% | 4,194 |
| Cost of funding earning assets | 0.4602% | 2,612 |
| Net interest margin | 3.2858% | 4,211 |
| Noninterest income to average assets | 0.5878% | 2,549 |
| Noninterest expense to average assets | 2.7958% | 2,741 |
| Loan and lease loss provision to assets | 0.2294% | 793 |
| Net operating income to assets | 0.4022% | 4,996 |
| Return on assets (ROA) | 0.4337% | 4,952 |
| Pretax return on assets | 0.5448% | 4,938 |
| Return on Equity (ROE) | 4.0745% | 4,832 |
| Retained earnings to average equity (ytd only) | 4.0745% | 3,496 |
| Net charge-offs to loans | 0.1958% | 1,086 |
| Credit loss provision to net charge-offs | 228.5714% | 1,219 |
| Earnings coverage of net charge-offs (x) | 7.3220% | 2,888 |
| Efficiency ratio | 79.1878% | 1,191 |
| Assets per employee ($millions) | 4.6016% | 2,975 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6968% | 1,041 |
| Loan loss allowance to noncurrent loans | 41.1321% | 4,735 |
| Noncurrent assets plus other real estate owned to assets | 2.1596% | 574 |
| Noncurrent loans to loans | 4.1252% | 231 |
| Net loans and leases to total assets | 51.4628% | 4,613 |
| Net loans and leases to deposits | 58.2995% | 4,739 |
| Net loans and leases to core deposits | 59.2828% | 4,850 |
| Total domestic deposits to total assets | 88.2732% | 1,223 |
| Equity capital to assets | 10.9309% | 2,931 |
| Core capital (leverage) ratio | 10.9974% | 2,463 |
| Tier 1 risk-based capital ratio | 19.6644% | 1,446 |
| Total risk-based capital ratio | 20.9192% | 1,409 |
| Memoranda: | ||
| Average total assets | $37,198,000 | 5,437 |
| Average earning assets | $33,314,750 | 5,441 |
| Average equity | $3,959,500 | 5,483 |
| Average total loans | $19,066,750 | 5,394 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7036% | 4,222 |
| Cost of funding earning assets | 0.4734% | 2,387 |
| Net interest margin | 3.2301% | 4,326 |
| Noninterest income to average assets | 0.5626% | 2,644 |
| Noninterest expense to average assets | 2.7273% | 2,986 |
| Loan and lease loss provision to assets | 0.1393% | 1,479 |
| Net operating income to assets | 0.4720% | 4,783 |
| Return on assets (ROA) | 0.5197% | 4,684 |
| Pretax return on assets | 0.6430% | 4,708 |
| Return on Equity (ROE) | 4.9264% | 4,507 |
| Retained earnings to average equity (ytd only) | 4.9264% | 2,760 |
| Net charge-offs to loans | 0.1474% | 1,270 |
| Credit loss provision to net charge-offs | 185.7143% | 1,339 |
| Earnings coverage of net charge-offs (x) | 9.6429% | 2,415 |
| Efficiency ratio | 79.0373% | 1,332 |
| Assets per employee ($millions) | 4.5666% | 2,999 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5766% | 1,320 |
| Loan loss allowance to noncurrent loans | 111.8519% | 3,361 |
| Noncurrent assets plus other real estate owned to assets | 0.7391% | 2,350 |
| Noncurrent loans to loans | 1.4096% | 1,360 |
| Net loans and leases to total assets | 51.6054% | 4,603 |
| Net loans and leases to deposits | 58.5133% | 4,728 |
| Net loans and leases to core deposits | 60.0720% | 4,822 |
| Total domestic deposits to total assets | 88.1942% | 1,356 |
| Equity capital to assets | 10.9682% | 2,840 |
| Core capital (leverage) ratio | 10.7027% | 2,702 |
| Tier 1 risk-based capital ratio | 19.6138% | 1,447 |
| Total risk-based capital ratio | 20.8681% | 1,405 |
| Memoranda: | ||
| Average total assets | $37,326,330 | 5,478 |
| Average earning assets | $33,373,330 | 5,484 |
| Average equity | $3,938,000 | 5,530 |
| Average total loans | $18,998,330 | 5,441 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6629% | 4,224 |
| Cost of funding earning assets | 0.4386% | 2,631 |
| Net interest margin | 3.2243% | 4,263 |
| Noninterest income to average assets | 0.4984% | 2,989 |
| Noninterest expense to average assets | 2.5979% | 3,514 |
| Loan and lease loss provision to assets | 0.1166% | 1,645 |
| Net operating income to assets | 0.5514% | 4,373 |
| Return on assets (ROA) | 0.5514% | 4,417 |
| Pretax return on assets | 0.6680% | 4,537 |
| Return on Equity (ROE) | 5.3286% | 4,235 |
| Retained earnings to average equity (ytd only) | 5.3286% | 2,719 |
| Net charge-offs to loans | 0.3171% | 583 |
| Credit loss provision to net charge-offs | 73.3333% | 1,804 |
| Earnings coverage of net charge-offs (x) | 4.9333% | 2,334 |
| Efficiency ratio | 76.8025% | 1,786 |
| Assets per employee ($millions) | 4.7941% | 2,706 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5583% | 1,485 |
| Loan loss allowance to noncurrent loans | 73.8342% | 4,123 |
| Noncurrent assets plus other real estate owned to assets | 1.0064% | 1,810 |
| Noncurrent loans to loans | 2.1106% | 827 |
| Net loans and leases to total assets | 46.9429% | 4,893 |
| Net loans and leases to deposits | 52.7698% | 4,994 |
| Net loans and leases to core deposits | 53.6840% | 5,076 |
| Total domestic deposits to total assets | 88.9578% | 1,161 |
| Equity capital to assets | 10.2912% | 3,417 |
| Core capital (leverage) ratio | 10.4850% | 2,922 |
| Tier 1 risk-based capital ratio | 19.9990% | 1,390 |
| Total risk-based capital ratio | 21.2521% | 1,360 |
| Memoranda: | ||
| Average total assets | $37,723,000 | 5,531 |
| Average earning assets | $33,744,000 | 5,542 |
| Average equity | $3,903,500 | 5,591 |
| Average total loans | $18,920,000 | 5,501 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8151% | 3,853 |
| Cost of funding earning assets | 0.4718% | 2,335 |
| Net interest margin | 3.3432% | 4,017 |
| Noninterest income to average assets | 0.6249% | 2,528 |
| Noninterest expense to average assets | 2.8929% | 2,696 |
| Loan and lease loss provision to assets | 0.1730% | 1,401 |
| Net operating income to assets | 0.5443% | 4,455 |
| Return on assets (ROA) | 0.5552% | 4,519 |
| Pretax return on assets | 0.5747% | 4,863 |
| Return on Equity (ROE) | 5.0934% | 4,385 |
| Retained earnings to average equity (ytd only) | 3.6601% | 3,311 |
| Net charge-offs to loans | 0.3105% | 889 |
| Credit loss provision to net charge-offs | 108.7719% | 2,413 |
| Earnings coverage of net charge-offs (x) | 4.6316% | 3,470 |
| Efficiency ratio | 79.7079% | 1,453 |
| Assets per employee ($millions) | 4.6366% | 2,904 |
| Cash dividends to net income (ytd only)* | 28.1407% | 3,396 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4833% | 1,735 |
| Loan loss allowance to noncurrent loans | 117.8862% | 3,294 |
| Noncurrent assets plus other real estate owned to assets | 0.6632% | 2,732 |
| Noncurrent loans to loans | 1.2582% | 1,630 |
| Net loans and leases to total assets | 51.9262% | 4,616 |
| Net loans and leases to deposits | 58.4925% | 4,760 |
| Net loans and leases to core deposits | 59.5505% | 4,883 |
| Total domestic deposits to total assets | 88.7742% | 1,215 |
| Equity capital to assets | 10.4063% | 3,262 |
| Core capital (leverage) ratio | 10.5173% | 2,862 |
| Tier 1 risk-based capital ratio | 19.0981% | 1,571 |
| Total risk-based capital ratio | 20.3499% | 1,534 |
| Memoranda: | ||
| Average total assets | $35,845,800 | 5,623 |
| Average earning assets | $32,214,400 | 5,623 |
| Average equity | $3,907,000 | 5,653 |
| Average total loans | $18,355,400 | 5,565 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7435% | 4,106 |
| Cost of funding earning assets | 0.4747% | 2,320 |
| Net interest margin | 3.2688% | 4,283 |
| Noninterest income to average assets | 0.6154% | 2,587 |
| Noninterest expense to average assets | 2.8779% | 2,708 |
| Loan and lease loss provision to assets | 0.1463% | 1,604 |
| Net operating income to assets | 0.4786% | 4,772 |
| Return on assets (ROA) | 0.4953% | 4,807 |
| Pretax return on assets | 0.5553% | 4,988 |
| Return on Equity (ROE) | 4.4912% | 4,722 |
| Retained earnings to average equity (ytd only) | 4.4912% | 3,142 |
| Net charge-offs to loans | 0.3101% | 745 |
| Credit loss provision to net charge-offs | 92.8571% | 2,486 |
| Earnings coverage of net charge-offs (x) | 4.3332% | 3,285 |
| Efficiency ratio | 80.8219% | 1,322 |
| Assets per employee ($millions) | 4.5363% | 3,025 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4576% | 1,945 |
| Loan loss allowance to noncurrent loans | 114.1700% | 3,351 |
| Noncurrent assets plus other real estate owned to assets | 0.6806% | 2,869 |
| Noncurrent loans to loans | 1.2767% | 1,749 |
| Net loans and leases to total assets | 52.5351% | 4,609 |
| Net loans and leases to deposits | 60.7495% | 4,702 |
| Net loans and leases to core deposits | 61.8973% | 4,839 |
| Total domestic deposits to total assets | 86.4784% | 2,137 |
| Equity capital to assets | 11.0389% | 2,964 |
| Core capital (leverage) ratio | 10.8747% | 2,597 |
| Tier 1 risk-based capital ratio | 18.8709% | 1,701 |
| Total risk-based capital ratio | 20.1211% | 1,662 |
| Memoranda: | ||
| Average total assets | $35,534,000 | 5,686 |
| Average earning assets | $32,019,000 | 5,685 |
| Average equity | $3,918,750 | 5,713 |
| Average total loans | $18,056,500 | 5,630 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7264% | 4,202 |
| Cost of funding earning assets | 0.4847% | 2,232 |
| Net interest margin | 3.2417% | 4,405 |
| Noninterest income to average assets | 0.6462% | 2,388 |
| Noninterest expense to average assets | 2.9420% | 2,542 |
| Loan and lease loss provision to assets | 0.1190% | 1,913 |
| Net operating income to assets | 0.4509% | 4,865 |
| Return on assets (ROA) | 0.4762% | 4,876 |
| Pretax return on assets | 0.5328% | 5,065 |
| Return on Equity (ROE) | 4.3191% | 4,798 |
| Retained earnings to average equity (ytd only) | 4.3191% | 3,175 |
| Net charge-offs to loans | 0.2723% | 878 |
| Credit loss provision to net charge-offs | 87.5000% | 2,279 |
| Earnings coverage of net charge-offs (x) | 4.5833% | 2,973 |
| Efficiency ratio | 82.5119% | 1,211 |
| Assets per employee ($millions) | 4.4648% | 3,094 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5865% | 1,567 |
| Loan loss allowance to noncurrent loans | 107.1970% | 3,563 |
| Noncurrent assets plus other real estate owned to assets | 0.7391% | 2,764 |
| Noncurrent loans to loans | 1.4800% | 1,486 |
| Net loans and leases to total assets | 49.1489% | 4,901 |
| Net loans and leases to deposits | 55.9575% | 5,018 |
| Net loans and leases to core deposits | 57.0245% | 5,126 |
| Total domestic deposits to total assets | 87.8325% | 1,510 |
| Equity capital to assets | 11.1400% | 2,908 |
| Core capital (leverage) ratio | 10.6615% | 2,783 |
| Tier 1 risk-based capital ratio | 20.1692% | 1,422 |
| Total risk-based capital ratio | 21.4222% | 1,389 |
| Memoranda: | ||
| Average total assets | $35,282,000 | 5,759 |
| Average earning assets | $31,773,000 | 5,758 |
| Average equity | $3,889,670 | 5,782 |
| Average total loans | $17,626,330 | 5,712 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7495% | 4,140 |
| Cost of funding earning assets | 0.4814% | 2,261 |
| Net interest margin | 3.2681% | 4,336 |
| Noninterest income to average assets | 0.6274% | 2,378 |
| Noninterest expense to average assets | 3.0116% | 2,354 |
| Loan and lease loss provision to assets | 0.1255% | 1,689 |
| Net operating income to assets | 0.4135% | 4,952 |
| Return on assets (ROA) | 0.4677% | 4,838 |
| Pretax return on assets | 0.4905% | 5,109 |
| Return on Equity (ROE) | 4.2653% | 4,794 |
| Retained earnings to average equity (ytd only) | 4.2653% | 3,347 |
| Net charge-offs to loans | 0.4566% | 493 |
| Credit loss provision to net charge-offs | 55.0000% | 2,010 |
| Earnings coverage of net charge-offs (x) | 2.4500% | 2,679 |
| Efficiency ratio | 84.3450% | 1,127 |
| Assets per employee ($millions) | 4.3663% | 3,296 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5847% | 1,654 |
| Loan loss allowance to noncurrent loans | 61.1479% | 4,543 |
| Noncurrent assets plus other real estate owned to assets | 1.2969% | 1,658 |
| Noncurrent loans to loans | 2.5915% | 704 |
| Net loans and leases to total assets | 49.2499% | 4,866 |
| Net loans and leases to deposits | 55.9702% | 4,990 |
| Net loans and leases to core deposits | 56.5981% | 5,108 |
| Total domestic deposits to total assets | 87.9931% | 1,648 |
| Equity capital to assets | 11.1251% | 2,802 |
| Core capital (leverage) ratio | 10.6125% | 2,836 |
| Tier 1 risk-based capital ratio | 19.9250% | 1,514 |
| Total risk-based capital ratio | 21.1769% | 1,483 |
| Memoranda: | ||
| Average total assets | $35,064,000 | 5,819 |
| Average earning assets | $31,577,500 | 5,822 |
| Average equity | $3,845,000 | 5,837 |
| Average total loans | $17,520,500 | 5,767 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6616% | 4,485 |
| Cost of funding earning assets | 0.5116% | 2,057 |
| Net interest margin | 3.1500% | 4,779 |
| Noninterest income to average assets | 0.6129% | 2,653 |
| Noninterest expense to average assets | 2.7610% | 3,379 |
| Loan and lease loss provision to assets | 0.1337% | 1,781 |
| Net operating income to assets | 0.4739% | 4,795 |
| Return on assets (ROA) | 0.5099% | 4,742 |
| Pretax return on assets | 0.5907% | 4,871 |
| Return on Equity (ROE) | 4.8303% | 4,588 |
| Retained earnings to average equity (ytd only) | 3.3522% | 3,662 |
| Net charge-offs to loans | 0.4574% | 601 |
| Credit loss provision to net charge-offs | 63.1579% | 3,223 |
| Earnings coverage of net charge-offs (x) | 3.2237% | 3,755 |
| Efficiency ratio | 80.1780% | 1,651 |
| Assets per employee ($millions) | 4.3998% | 3,216 |
| Cash dividends to net income (ytd only)* | 30.6011% | 3,316 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6286% | 1,530 |
| Loan loss allowance to noncurrent loans | 81.7143% | 4,101 |
| Noncurrent assets plus other real estate owned to assets | 0.9944% | 2,209 |
| Noncurrent loans to loans | 1.9931% | 1,051 |
| Net loans and leases to total assets | 49.0795% | 4,939 |
| Net loans and leases to deposits | 55.5484% | 5,074 |
| Net loans and leases to core deposits | 56.1624% | 5,194 |
| Total domestic deposits to total assets | 88.3545% | 1,444 |
| Equity capital to assets | 10.8074% | 3,022 |
| Core capital (leverage) ratio | 10.4304% | 3,021 |
| Tier 1 risk-based capital ratio | 20.1132% | 1,465 |
| Total risk-based capital ratio | 21.3635% | 1,439 |
| Memoranda: | ||
| Average total assets | $35,892,400 | 5,853 |
| Average earning assets | $32,253,600 | 5,850 |
| Average equity | $3,788,600 | 5,888 |
| Average total loans | $16,614,800 | 5,845 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6138% | 4,689 |
| Cost of funding earning assets | 0.5198% | 2,043 |
| Net interest margin | 3.0940% | 4,979 |
| Noninterest income to average assets | 0.6174% | 2,648 |
| Noninterest expense to average assets | 2.7394% | 3,427 |
| Loan and lease loss provision to assets | 0.1294% | 1,748 |
| Net operating income to assets | 0.4018% | 5,154 |
| Return on assets (ROA) | 0.4473% | 5,068 |
| Pretax return on assets | 0.5804% | 5,027 |
| Return on Equity (ROE) | 4.2626% | 4,929 |
| Retained earnings to average equity (ytd only) | 4.2626% | 3,430 |
| Net charge-offs to loans | 0.4722% | 528 |
| Credit loss provision to net charge-offs | 60.3448% | 2,905 |
| Earnings coverage of net charge-offs (x) | 3.0345% | 3,566 |
| Efficiency ratio | 80.8070% | 1,545 |
| Assets per employee ($millions) | 4.4643% | 3,077 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7120% | 1,449 |
| Loan loss allowance to noncurrent loans | 88.1459% | 3,961 |
| Noncurrent assets plus other real estate owned to assets | 0.9212% | 2,556 |
| Noncurrent loans to loans | 1.9423% | 1,196 |
| Net loans and leases to total assets | 46.6176% | 5,182 |
| Net loans and leases to deposits | 52.7318% | 5,327 |
| Net loans and leases to core deposits | 53.3109% | 5,442 |
| Total domestic deposits to total assets | 88.4051% | 1,343 |
| Equity capital to assets | 10.7521% | 3,298 |
| Core capital (leverage) ratio | 10.4462% | 3,109 |
| Tier 1 risk-based capital ratio | 20.4839% | 1,438 |
| Total risk-based capital ratio | 21.7377% | 1,402 |
| Memoranda: | ||
| Average total assets | $36,066,000 | 5,929 |
| Average earning assets | $32,319,500 | 5,931 |
| Average equity | $3,784,750 | 5,970 |
| Average total loans | $16,378,250 | 5,927 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6387% | 4,611 |
| Cost of funding earning assets | 0.5260% | 2,019 |
| Net interest margin | 3.1127% | 4,940 |
| Noninterest income to average assets | 0.6025% | 2,725 |
| Noninterest expense to average assets | 2.5813% | 3,973 |
| Loan and lease loss provision to assets | 0.0884% | 2,337 |
| Net operating income to assets | 0.5658% | 4,495 |
| Return on assets (ROA) | 0.6357% | 4,303 |
| Pretax return on assets | 0.8015% | 4,306 |
| Return on Equity (ROE) | 6.1067% | 4,076 |
| Retained earnings to average equity (ytd only) | 6.1067% | 2,169 |
| Net charge-offs to loans | 0.2594% | 1,000 |
| Credit loss provision to net charge-offs | 76.1905% | 2,380 |
| Earnings coverage of net charge-offs (x) | 6.9048% | 2,726 |
| Efficiency ratio | 76.3072% | 2,306 |
| Assets per employee ($millions) | 4.4929% | 3,000 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9322% | 1,103 |
| Loan loss allowance to noncurrent loans | 62.3984% | 4,687 |
| Noncurrent assets plus other real estate owned to assets | 1.3688% | 1,830 |
| Noncurrent loans to loans | 3.0965% | 628 |
| Net loans and leases to total assets | 43.3520% | 5,412 |
| Net loans and leases to deposits | 48.9200% | 5,560 |
| Net loans and leases to core deposits | 49.8560% | 5,621 |
| Total domestic deposits to total assets | 88.6181% | 1,348 |
| Equity capital to assets | 10.5806% | 3,358 |
| Core capital (leverage) ratio | 10.2997% | 3,215 |
| Tier 1 risk-based capital ratio | 21.3294% | 1,305 |
| Total risk-based capital ratio | 22.5855% | 1,286 |
| Memoranda: | ||
| Average total assets | $36,183,330 | 5,993 |
| Average earning assets | $32,319,000 | 5,991 |
| Average equity | $3,766,330 | 6,035 |
| Average total loans | $16,191,330 | 5,995 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6557% | 4,516 |
| Cost of funding earning assets | 0.5520% | 1,823 |
| Net interest margin | 3.1036% | 4,936 |
| Noninterest income to average assets | 0.6170% | 2,565 |
| Noninterest expense to average assets | 2.6223% | 3,855 |
| Loan and lease loss provision to assets | 0.0331% | 3,229 |
| Net operating income to assets | 0.6611% | 4,006 |
| Return on assets (ROA) | 0.6611% | 4,128 |
| Pretax return on assets | 0.7492% | 4,432 |
| Return on Equity (ROE) | 6.4034% | 3,827 |
| Retained earnings to average equity (ytd only) | 6.4034% | 2,286 |
| Net charge-offs to loans | 0.1224% | 1,530 |
| Credit loss provision to net charge-offs | 60.0000% | 1,997 |
| Earnings coverage of net charge-offs (x) | 14.2000% | 1,683 |
| Efficiency ratio | 77.0227% | 2,336 |
| Assets per employee ($millions) | 4.4724% | 3,096 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9379% | 1,209 |
| Loan loss allowance to noncurrent loans | 88.8571% | 3,958 |
| Noncurrent assets plus other real estate owned to assets | 0.9782% | 2,662 |
| Noncurrent loans to loans | 2.1810% | 1,163 |
| Net loans and leases to total assets | 43.9839% | 5,350 |
| Net loans and leases to deposits | 49.6984% | 5,479 |
| Net loans and leases to core deposits | 49.6984% | 5,603 |
| Total domestic deposits to total assets | 88.5016% | 1,546 |
| Equity capital to assets | 10.6487% | 3,376 |
| Core capital (leverage) ratio | 9.8670% | 3,799 |
| Tier 1 risk-based capital ratio | 21.1169% | 1,395 |
| Total risk-based capital ratio | 22.3734% | 1,373 |
| Memoranda: | ||
| Average total assets | $36,303,500 | 6,045 |
| Average earning assets | $32,607,000 | 6,046 |
| Average equity | $3,748,000 | 6,101 |
| Average total loans | $16,342,500 | 6,043 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6644% | 4,893 |
| Cost of funding earning assets | 0.5990% | 1,763 |
| Net interest margin | 3.0654% | 5,285 |
| Noninterest income to average assets | 0.6792% | 2,403 |
| Noninterest expense to average assets | 2.6022% | 4,209 |
| Loan and lease loss provision to assets | 0.1609% | 1,634 |
| Net operating income to assets | 0.5592% | 4,561 |
| Return on assets (ROA) | 0.5592% | 4,656 |
| Pretax return on assets | 0.6383% | 4,817 |
| Return on Equity (ROE) | 5.6733% | 4,319 |
| Retained earnings to average equity (ytd only) | 4.1235% | 3,270 |
| Net charge-offs to loans | 0.3682% | 1,181 |
| Credit loss provision to net charge-offs | 100.0000% | 2,387 |
| Earnings coverage of net charge-offs (x) | 4.9661% | 3,530 |
| Efficiency ratio | 76.5036% | 2,438 |
| Assets per employee ($millions) | 4.6035% | 2,870 |
| Cash dividends to net income (ytd only)* | 27.3171% | 3,498 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8813% | 1,357 |
| Loan loss allowance to noncurrent loans | 107.1918% | 3,554 |
| Noncurrent assets plus other real estate owned to assets | 0.7929% | 3,224 |
| Noncurrent loans to loans | 1.7551% | 1,645 |
| Net loans and leases to total assets | 44.3250% | 5,446 |
| Net loans and leases to deposits | 49.7440% | 5,591 |
| Net loans and leases to core deposits | 51.2914% | 5,645 |
| Total domestic deposits to total assets | 89.1061% | 1,174 |
| Equity capital to assets | 10.0087% | 4,106 |
| Core capital (leverage) ratio | 9.8244% | 3,809 |
| Tier 1 risk-based capital ratio | 19.5976% | 1,687 |
| Total risk-based capital ratio | 20.8537% | 1,649 |
| Memoranda: | ||
| Average total assets | $36,661,600 | 6,112 |
| Average earning assets | $32,556,800 | 6,128 |
| Average equity | $3,613,400 | 6,158 |
| Average total loans | $16,025,800 | 6,125 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6524% | 4,995 |
| Cost of funding earning assets | 0.6033% | 1,797 |
| Net interest margin | 3.0491% | 5,383 |
| Noninterest income to average assets | 0.6918% | 2,372 |
| Noninterest expense to average assets | 2.5923% | 4,218 |
| Loan and lease loss provision to assets | 0.1529% | 1,620 |
| Net operating income to assets | 0.5352% | 4,740 |
| Return on assets (ROA) | 0.5352% | 4,810 |
| Pretax return on assets | 0.6517% | 4,868 |
| Return on Equity (ROE) | 5.4516% | 4,509 |
| Retained earnings to average equity (ytd only) | 5.4516% | 2,795 |
| Net charge-offs to loans | 0.3276% | 1,222 |
| Credit loss provision to net charge-offs | 107.6923% | 2,066 |
| Earnings coverage of net charge-offs (x) | 5.6665% | 3,219 |
| Efficiency ratio | 76.3130% | 2,444 |
| Assets per employee ($millions) | 4.5099% | 2,953 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9245% | 1,401 |
| Loan loss allowance to noncurrent loans | 144.9541% | 2,814 |
| Noncurrent assets plus other real estate owned to assets | 0.6042% | 4,029 |
| Noncurrent loans to loans | 1.3276% | 2,430 |
| Net loans and leases to total assets | 44.6354% | 5,483 |
| Net loans and leases to deposits | 50.1557% | 5,642 |
| Net loans and leases to core deposits | 51.7481% | 5,698 |
| Total domestic deposits to total assets | 88.9936% | 1,238 |
| Equity capital to assets | 10.2137% | 3,914 |
| Core capital (leverage) ratio | 10.0133% | 3,662 |
| Tier 1 risk-based capital ratio | 19.9402% | 1,686 |
| Total risk-based capital ratio | 21.1969% | 1,656 |
| Memoranda: | ||
| Average total assets | $36,620,000 | 6,184 |
| Average earning assets | $32,489,250 | 6,208 |
| Average equity | $3,595,250 | 6,233 |
| Average total loans | $15,873,000 | 6,199 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6516% | 5,003 |
| Cost of funding earning assets | 0.6076% | 1,838 |
| Net interest margin | 3.0440% | 5,410 |
| Noninterest income to average assets | 0.6902% | 2,328 |
| Noninterest expense to average assets | 2.5924% | 4,265 |
| Loan and lease loss provision to assets | 0.0870% | 2,574 |
| Net operating income to assets | 0.5706% | 4,496 |
| Return on assets (ROA) | 0.5706% | 4,603 |
| Pretax return on assets | 0.7065% | 4,617 |
| Return on Equity (ROE) | 5.8901% | 4,218 |
| Retained earnings to average equity (ytd only) | 5.8901% | 2,388 |
| Net charge-offs to loans | 0.2804% | 1,415 |
| Credit loss provision to net charge-offs | 72.7273% | 2,420 |
| Earnings coverage of net charge-offs (x) | 6.6364% | 2,744 |
| Efficiency ratio | 76.5650% | 2,529 |
| Assets per employee ($millions) | 4.4664% | 2,974 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9901% | 1,378 |
| Loan loss allowance to noncurrent loans | 123.7903% | 3,126 |
| Noncurrent assets plus other real estate owned to assets | 0.6941% | 3,902 |
| Noncurrent loans to loans | 1.6077% | 2,160 |
| Net loans and leases to total assets | 42.3134% | 5,657 |
| Net loans and leases to deposits | 47.5964% | 5,793 |
| Net loans and leases to core deposits | 49.1068% | 5,846 |
| Total domestic deposits to total assets | 88.9004% | 1,419 |
| Equity capital to assets | 10.2320% | 3,785 |
| Core capital (leverage) ratio | 9.7537% | 3,958 |
| Tier 1 risk-based capital ratio | 20.8700% | 1,469 |
| Total risk-based capital ratio | 22.1304% | 1,449 |
| Memoranda: | ||
| Average total assets | $36,800,330 | 6,240 |
| Average earning assets | $32,588,670 | 6,263 |
| Average equity | $3,565,330 | 6,290 |
| Average total loans | $15,690,670 | 6,265 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6369% | 5,046 |
| Cost of funding earning assets | 0.6082% | 1,911 |
| Net interest margin | 3.0287% | 5,449 |
| Noninterest income to average assets | 0.7071% | 2,141 |
| Noninterest expense to average assets | 2.5499% | 4,448 |
| Loan and lease loss provision to assets | 0.0321% | 3,402 |
| Net operating income to assets | 0.6964% | 3,710 |
| Return on assets (ROA) | 0.6964% | 3,788 |
| Pretax return on assets | 0.7928% | 4,140 |
| Return on Equity (ROE) | 7.3864% | 3,265 |
| Retained earnings to average equity (ytd only) | 7.3864% | 1,864 |
| Net charge-offs to loans | -0.0253% | 5,470 |
| Credit loss provision to net charge-offs | -300.0000% | 5,043 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5556% | 2,867 |
| Assets per employee ($millions) | 4.6688% | 2,705 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1071% | 1,313 |
| Loan loss allowance to noncurrent loans | 140.0881% | 2,800 |
| Noncurrent assets plus other real estate owned to assets | 0.6078% | 4,315 |
| Noncurrent loans to loans | 1.5041% | 2,536 |
| Net loans and leases to total assets | 39.5556% | 5,839 |
| Net loans and leases to deposits | 44.0450% | 5,973 |
| Net loans and leases to core deposits | 45.3831% | 6,025 |
| Total domestic deposits to total assets | 89.8072% | 1,178 |
| Equity capital to assets | 9.5368% | 4,453 |
| Core capital (leverage) ratio | 9.4824% | 4,311 |
| Tier 1 risk-based capital ratio | 20.6769% | 1,541 |
| Total risk-based capital ratio | 21.9167% | 1,515 |
| Memoranda: | ||
| Average total assets | $37,335,000 | 6,295 |
| Average earning assets | $32,885,500 | 6,317 |
| Average equity | $3,520,000 | 6,344 |
| Average total loans | $15,823,000 | 6,312 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6307% | 5,332 |
| Cost of funding earning assets | 0.6643% | 2,078 |
| Net interest margin | 2.9664% | 5,653 |
| Noninterest income to average assets | 0.6303% | 2,915 |
| Noninterest expense to average assets | 2.4480% | 4,940 |
| Loan and lease loss provision to assets | 0.1271% | 2,719 |
| Net operating income to assets | 0.5653% | 4,430 |
| Return on assets (ROA) | 0.5653% | 4,542 |
| Pretax return on assets | 0.7006% | 4,539 |
| Return on Equity (ROE) | 5.9548% | 4,110 |
| Retained earnings to average equity (ytd only) | 4.3592% | 3,075 |
| Net charge-offs to loans | 0.4352% | 1,526 |
| Credit loss provision to net charge-offs | 68.1159% | 3,352 |
| Earnings coverage of net charge-offs (x) | 4.4348% | 3,566 |
| Efficiency ratio | 74.7316% | 3,006 |
| Assets per employee ($millions) | 4.6650% | 2,630 |
| Cash dividends to net income (ytd only)* | 26.7943% | 3,428 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8908% | 1,800 |
| Loan loss allowance to noncurrent loans | 155.7214% | 2,599 |
| Noncurrent assets plus other real estate owned to assets | 0.5386% | 4,616 |
| Noncurrent loans to loans | 1.2142% | 3,114 |
| Net loans and leases to total assets | 43.5182% | 5,718 |
| Net loans and leases to deposits | 48.3205% | 5,879 |
| Net loans and leases to core deposits | 49.7763% | 5,954 |
| Total domestic deposits to total assets | 90.0616% | 1,042 |
| Equity capital to assets | 9.3194% | 4,669 |
| Core capital (leverage) ratio | 9.4533% | 4,331 |
| Tier 1 risk-based capital ratio | 18.8757% | 1,962 |
| Total risk-based capital ratio | 20.1322% | 1,919 |
| Memoranda: | ||
| Average total assets | $36,969,000 | 6,364 |
| Average earning assets | $32,969,200 | 6,377 |
| Average equity | $3,509,800 | 6,432 |
| Average total loans | $15,855,200 | 6,380 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5926% | 5,460 |
| Cost of funding earning assets | 0.6774% | 2,116 |
| Net interest margin | 2.9153% | 5,775 |
| Noninterest income to average assets | 0.6327% | 2,976 |
| Noninterest expense to average assets | 2.5089% | 4,692 |
| Loan and lease loss provision to assets | 0.1591% | 2,272 |
| Net operating income to assets | 0.4664% | 4,946 |
| Return on assets (ROA) | 0.4664% | 5,092 |
| Pretax return on assets | 0.5784% | 5,105 |
| Return on Equity (ROE) | 4.8895% | 4,778 |
| Retained earnings to average equity (ytd only) | 4.8895% | 3,157 |
| Net charge-offs to loans | 0.5952% | 1,050 |
| Credit loss provision to net charge-offs | 62.8571% | 3,230 |
| Earnings coverage of net charge-offs (x) | 2.9143% | 3,863 |
| Efficiency ratio | 77.2829% | 2,515 |
| Assets per employee ($millions) | 4.4890% | 2,900 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8885% | 2,037 |
| Loan loss allowance to noncurrent loans | 178.6127% | 2,218 |
| Noncurrent assets plus other real estate owned to assets | 0.6293% | 4,555 |
| Noncurrent loans to loans | 1.0573% | 3,687 |
| Net loans and leases to total assets | 44.7009% | 5,660 |
| Net loans and leases to deposits | 49.8618% | 5,843 |
| Net loans and leases to core deposits | 51.4305% | 5,925 |
| Total domestic deposits to total assets | 89.6497% | 1,197 |
| Equity capital to assets | 9.7488% | 4,242 |
| Core capital (leverage) ratio | 9.5202% | 4,370 |
| Tier 1 risk-based capital ratio | 18.8932% | 2,022 |
| Total risk-based capital ratio | 20.1432% | 1,982 |
| Memoranda: | ||
| Average total assets | $36,881,250 | 6,435 |
| Average earning assets | $33,066,750 | 6,444 |
| Average equity | $3,517,750 | 6,504 |
| Average total loans | $15,680,500 | 6,453 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5212% | 5,653 |
| Cost of funding earning assets | 0.6874% | 2,159 |
| Net interest margin | 2.8338% | 5,935 |
| Noninterest income to average assets | 0.6505% | 2,913 |
| Noninterest expense to average assets | 2.4406% | 4,926 |
| Loan and lease loss provision to assets | 0.0914% | 3,265 |
| Net operating income to assets | 0.5376% | 4,622 |
| Return on assets (ROA) | 0.5376% | 4,793 |
| Pretax return on assets | 0.6451% | 4,856 |
| Return on Equity (ROE) | 5.6764% | 4,360 |
| Retained earnings to average equity (ytd only) | 5.6764% | 2,629 |
| Net charge-offs to loans | 0.8412% | 741 |
| Credit loss provision to net charge-offs | 26.1538% | 3,646 |
| Earnings coverage of net charge-offs (x) | 2.1077% | 3,817 |
| Efficiency ratio | 76.8190% | 2,661 |
| Assets per employee ($millions) | 4.6025% | 2,646 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8614% | 2,224 |
| Loan loss allowance to noncurrent loans | 150.0000% | 2,517 |
| Noncurrent assets plus other real estate owned to assets | 0.6654% | 4,559 |
| Noncurrent loans to loans | 1.2410% | 3,473 |
| Net loans and leases to total assets | 41.2385% | 5,951 |
| Net loans and leases to deposits | 45.7763% | 6,120 |
| Net loans and leases to core deposits | 47.1567% | 6,170 |
| Total domestic deposits to total assets | 90.0869% | 980 |
| Equity capital to assets | 9.3590% | 4,771 |
| Core capital (leverage) ratio | 9.0010% | 4,985 |
| Tier 1 risk-based capital ratio | 19.6921% | 1,800 |
| Total risk-based capital ratio | 20.9655% | 1,767 |
| Memoranda: | ||
| Average total assets | $37,204,330 | 6,478 |
| Average earning assets | $33,170,670 | 6,493 |
| Average equity | $3,523,330 | 6,557 |
| Average total loans | $15,453,330 | 6,500 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5597% | 5,562 |
| Cost of funding earning assets | 0.6757% | 2,430 |
| Net interest margin | 2.8840% | 5,847 |
| Noninterest income to average assets | 0.5883% | 3,202 |
| Noninterest expense to average assets | 2.3211% | 5,366 |
| Loan and lease loss provision to assets | 0.1177% | 2,767 |
| Net operating income to assets | 0.5990% | 4,218 |
| Return on assets (ROA) | 0.5990% | 4,365 |
| Pretax return on assets | 0.7059% | 4,552 |
| Return on Equity (ROE) | 6.2886% | 3,891 |
| Retained earnings to average equity (ytd only) | 6.2886% | 2,516 |
| Net charge-offs to loans | 1.8389% | 258 |
| Credit loss provision to net charge-offs | 15.4930% | 3,098 |
| Earnings coverage of net charge-offs (x) | 1.0845% | 3,477 |
| Efficiency ratio | 73.8095% | 3,299 |
| Assets per employee ($millions) | 4.8244% | 2,450 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8501% | 2,448 |
| Loan loss allowance to noncurrent loans | 97.5265% | 3,429 |
| Noncurrent assets plus other real estate owned to assets | 0.8706% | 4,204 |
| Noncurrent loans to loans | 1.8970% | 2,743 |
| Net loans and leases to total assets | 37.9376% | 6,151 |
| Net loans and leases to deposits | 42.1923% | 6,306 |
| Net loans and leases to core deposits | 43.4056% | 6,342 |
| Total domestic deposits to total assets | 89.9158% | 1,104 |
| Equity capital to assets | 9.2680% | 5,178 |
| Core capital (leverage) ratio | 9.0971% | 4,723 |
| Tier 1 risk-based capital ratio | 19.7855% | 1,827 |
| Total risk-based capital ratio | 21.0408% | 1,796 |
| Memoranda: | ||
| Average total assets | $37,396,500 | 6,536 |
| Average earning assets | $33,148,500 | 6,550 |
| Average equity | $3,562,000 | 6,616 |
| Average total loans | $15,444,000 | 6,558 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8878% | 5,608 |
| Cost of funding earning assets | 0.8301% | 2,422 |
| Net interest margin | 3.0577% | 5,912 |
| Noninterest income to average assets | 0.7419% | 2,533 |
| Noninterest expense to average assets | 2.4949% | 5,115 |
| Loan and lease loss provision to assets | 0.2492% | 2,657 |
| Net operating income to assets | 0.6844% | 3,810 |
| Return on assets (ROA) | 0.6817% | 4,091 |
| Pretax return on assets | 0.7275% | 4,565 |
| Return on Equity (ROE) | 6.8540% | 3,727 |
| Retained earnings to average equity (ytd only) | 5.2413% | 2,544 |
| Net charge-offs to loans | 0.4586% | 2,402 |
| Credit loss provision to net charge-offs | 124.2857% | 2,288 |
| Earnings coverage of net charge-offs (x) | 4.8857% | 3,216 |
| Efficiency ratio | 71.8054% | 3,453 |
| Assets per employee ($millions) | 4.5248% | 2,914 |
| Cash dividends to net income (ytd only)* | 23.5294% | 3,628 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1039% | 1,762 |
| Loan loss allowance to noncurrent loans | 96.0000% | 3,435 |
| Noncurrent assets plus other real estate owned to assets | 1.1216% | 3,782 |
| Noncurrent loans to loans | 2.1916% | 2,476 |
| Net loans and leases to total assets | 43.1902% | 5,888 |
| Net loans and leases to deposits | 48.4085% | 6,083 |
| Net loans and leases to core deposits | 50.2911% | 6,129 |
| Total domestic deposits to total assets | 89.2204% | 1,426 |
| Equity capital to assets | 9.7989% | 4,448 |
| Core capital (leverage) ratio | 9.2683% | 4,478 |
| Tier 1 risk-based capital ratio | 17.5704% | 2,432 |
| Total risk-based capital ratio | 18.8262% | 2,395 |
| Memoranda: | ||
| Average total assets | $34,911,800 | 6,635 |
| Average earning assets | $31,199,800 | 6,634 |
| Average equity | $3,472,400 | 6,694 |
| Average total loans | $15,264,000 | 6,642 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9136% | 5,754 |
| Cost of funding earning assets | 0.8549% | 2,503 |
| Net interest margin | 3.0587% | 6,049 |
| Noninterest income to average assets | 0.7131% | 2,644 |
| Noninterest expense to average assets | 2.5401% | 4,958 |
| Loan and lease loss provision to assets | 0.2660% | 2,449 |
| Net operating income to assets | 0.5273% | 4,721 |
| Return on assets (ROA) | 0.5242% | 5,004 |
| Pretax return on assets | 0.6476% | 5,021 |
| Return on Equity (ROE) | 5.2502% | 4,706 |
| Retained earnings to average equity (ytd only) | 5.2502% | 3,189 |
| Net charge-offs to loans | 0.6098% | 1,802 |
| Credit loss provision to net charge-offs | 100.0000% | 2,954 |
| Earnings coverage of net charge-offs (x) | 3.4492% | 3,643 |
| Efficiency ratio | 73.4671% | 3,075 |
| Assets per employee ($millions) | 4.9303% | 2,279 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1278% | 1,852 |
| Loan loss allowance to noncurrent loans | 80.3030% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 1.4111% | 3,488 |
| Noncurrent loans to loans | 2.6497% | 2,139 |
| Net loans and leases to total assets | 42.3824% | 6,092 |
| Net loans and leases to deposits | 47.8476% | 6,268 |
| Net loans and leases to core deposits | 49.3189% | 6,321 |
| Total domestic deposits to total assets | 88.5779% | 1,674 |
| Equity capital to assets | 10.2486% | 4,140 |
| Core capital (leverage) ratio | 9.7386% | 3,888 |
| Tier 1 risk-based capital ratio | 18.5200% | 2,160 |
| Total risk-based capital ratio | 19.7770% | 2,122 |
| Memoranda: | ||
| Average total assets | $34,590,250 | 6,728 |
| Average earning assets | $31,036,750 | 6,721 |
| Average equity | $3,453,750 | 6,780 |
| Average total loans | $15,087,500 | 6,737 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9114% | 5,881 |
| Cost of funding earning assets | 0.9006% | 2,392 |
| Net interest margin | 3.0107% | 6,220 |
| Noninterest income to average assets | 0.7453% | 2,440 |
| Noninterest expense to average assets | 2.5248% | 5,052 |
| Loan and lease loss provision to assets | 0.1213% | 4,008 |
| Net operating income to assets | 0.6634% | 4,045 |
| Return on assets (ROA) | 0.6586% | 4,327 |
| Pretax return on assets | 0.7973% | 4,483 |
| Return on Equity (ROE) | 6.6550% | 3,962 |
| Retained earnings to average equity (ytd only) | 6.6550% | 2,299 |
| Net charge-offs to loans | 0.4493% | 2,256 |
| Credit loss provision to net charge-offs | 61.7647% | 3,749 |
| Earnings coverage of net charge-offs (x) | 4.7059% | 3,010 |
| Efficiency ratio | 73.1993% | 3,209 |
| Assets per employee ($millions) | 4.2228% | 3,416 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1000% | 2,001 |
| Loan loss allowance to noncurrent loans | 76.6332% | 3,930 |
| Noncurrent assets plus other real estate owned to assets | 1.2817% | 3,866 |
| Noncurrent loans to loans | 2.7403% | 2,193 |
| Net loans and leases to total assets | 42.0905% | 6,179 |
| Net loans and leases to deposits | 47.5695% | 6,338 |
| Net loans and leases to core deposits | 49.0513% | 6,397 |
| Total domestic deposits to total assets | 88.4820% | 1,832 |
| Equity capital to assets | 10.3487% | 3,884 |
| Core capital (leverage) ratio | 9.3371% | 4,397 |
| Tier 1 risk-based capital ratio | 18.6936% | 2,074 |
| Total risk-based capital ratio | 19.9538% | 2,027 |
| Memoranda: | ||
| Average total assets | $34,616,330 | 6,773 |
| Average earning assets | $31,089,000 | 6,765 |
| Average equity | $3,426,000 | 6,827 |
| Average total loans | $15,135,000 | 6,793 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9743% | 5,846 |
| Cost of funding earning assets | 0.9936% | 2,020 |
| Net interest margin | 2.9807% | 6,338 |
| Noninterest income to average assets | 0.7650% | 2,323 |
| Noninterest expense to average assets | 2.4776% | 5,222 |
| Loan and lease loss provision to assets | 0.0799% | 4,397 |
| Net operating income to assets | 0.7385% | 3,691 |
| Return on assets (ROA) | 0.7193% | 4,008 |
| Pretax return on assets | 0.8563% | 4,204 |
| Return on Equity (ROE) | 7.4314% | 3,543 |
| Retained earnings to average equity (ytd only) | 7.4314% | 2,211 |
| Net charge-offs to loans | 0.4922% | 1,859 |
| Credit loss provision to net charge-offs | 36.8421% | 3,499 |
| Earnings coverage of net charge-offs (x) | 4.4211% | 2,577 |
| Efficiency ratio | 72.0930% | 3,422 |
| Assets per employee ($millions) | 4.5624% | 2,875 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0863% | 2,137 |
| Loan loss allowance to noncurrent loans | 121.8254% | 2,585 |
| Noncurrent assets plus other real estate owned to assets | 0.8000% | 4,946 |
| Noncurrent loans to loans | 1.7125% | 3,543 |
| Net loans and leases to total assets | 39.4751% | 6,389 |
| Net loans and leases to deposits | 45.1449% | 6,485 |
| Net loans and leases to core deposits | 46.0879% | 6,564 |
| Total domestic deposits to total assets | 87.4408% | 2,693 |
| Equity capital to assets | 9.3948% | 4,967 |
| Core capital (leverage) ratio | 9.0668% | 4,737 |
| Tier 1 risk-based capital ratio | 18.4387% | 2,163 |
| Total risk-based capital ratio | 19.6954% | 2,131 |
| Memoranda: | ||
| Average total assets | $35,033,500 | 6,823 |
| Average earning assets | $31,401,500 | 6,811 |
| Average equity | $3,391,000 | 6,876 |
| Average total loans | $15,440,500 | 6,826 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2342% | 5,959 |
| Cost of funding earning assets | 1.1852% | 2,130 |
| Net interest margin | 3.0490% | 6,452 |
| Noninterest income to average assets | 0.8371% | 1,895 |
| Noninterest expense to average assets | 2.8025% | 4,337 |
| Loan and lease loss provision to assets | 0.3373% | 2,999 |
| Net operating income to assets | 0.3804% | 4,945 |
| Return on assets (ROA) | 0.3833% | 5,110 |
| Pretax return on assets | 0.4139% | 5,245 |
| Return on Equity (ROE) | 3.8395% | 4,930 |
| Retained earnings to average equity (ytd only) | 2.9795% | 4,113 |
| Net charge-offs to loans | 0.8933% | 1,945 |
| Credit loss provision to net charge-offs | 82.7068% | 4,337 |
| Earnings coverage of net charge-offs (x) | 1.8346% | 4,399 |
| Efficiency ratio | 78.9292% | 2,466 |
| Assets per employee ($millions) | 4.1960% | 3,475 |
| Cash dividends to net income (ytd only)* | 22.4000% | 3,434 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9671% | 2,382 |
| Loan loss allowance to noncurrent loans | 102.2508% | 2,995 |
| Noncurrent assets plus other real estate owned to assets | 1.0456% | 4,517 |
| Noncurrent loans to loans | 1.9238% | 3,304 |
| Net loans and leases to total assets | 47.2116% | 5,905 |
| Net loans and leases to deposits | 54.5054% | 6,020 |
| Net loans and leases to core deposits | 55.7400% | 6,173 |
| Total domestic deposits to total assets | 86.6182% | 2,967 |
| Equity capital to assets | 9.9887% | 4,182 |
| Core capital (leverage) ratio | 9.3070% | 4,319 |
| Tier 1 risk-based capital ratio | 16.7015% | 2,734 |
| Total risk-based capital ratio | 17.9590% | 2,689 |
| Memoranda: | ||
| Average total assets | $32,614,000 | 6,904 |
| Average earning assets | $29,025,800 | 6,903 |
| Average equity | $3,255,600 | 6,945 |
| Average total loans | $14,889,200 | 6,908 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2051% | 6,192 |
| Cost of funding earning assets | 1.2267% | 2,149 |
| Net interest margin | 2.9784% | 6,620 |
| Noninterest income to average assets | 0.8360% | 1,900 |
| Noninterest expense to average assets | 2.8539% | 4,129 |
| Loan and lease loss provision to assets | 0.2471% | 3,535 |
| Net operating income to assets | 0.3503% | 5,202 |
| Return on assets (ROA) | 0.3542% | 5,371 |
| Pretax return on assets | 0.3789% | 5,529 |
| Return on Equity (ROE) | 3.5485% | 5,202 |
| Retained earnings to average equity (ytd only) | 3.5485% | 4,216 |
| Net charge-offs to loans | 0.8511% | 1,870 |
| Credit loss provision to net charge-offs | 64.5161% | 4,651 |
| Earnings coverage of net charge-offs (x) | 1.6236% | 4,427 |
| Efficiency ratio | 82.1090% | 1,957 |
| Assets per employee ($millions) | 4.1386% | 3,570 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0364% | 2,240 |
| Loan loss allowance to noncurrent loans | 68.1416% | 4,041 |
| Noncurrent assets plus other real estate owned to assets | 1.5162% | 3,829 |
| Noncurrent loans to loans | 2.9884% | 2,313 |
| Net loans and leases to total assets | 44.7522% | 6,261 |
| Net loans and leases to deposits | 51.8821% | 6,376 |
| Net loans and leases to core deposits | 53.0790% | 6,506 |
| Total domestic deposits to total assets | 86.2575% | 3,063 |
| Equity capital to assets | 10.1694% | 4,132 |
| Core capital (leverage) ratio | 9.4813% | 4,176 |
| Tier 1 risk-based capital ratio | 16.9502% | 2,661 |
| Total risk-based capital ratio | 18.2041% | 2,632 |
| Memoranda: | ||
| Average total assets | $32,375,500 | 6,970 |
| Average earning assets | $28,695,000 | 6,975 |
| Average equity | $3,231,250 | 7,010 |
| Average total loans | $14,570,000 | 6,990 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1056% | 6,483 |
| Cost of funding earning assets | 1.2676% | 2,136 |
| Net interest margin | 2.8380% | 6,877 |
| Noninterest income to average assets | 0.8216% | 1,926 |
| Noninterest expense to average assets | 2.8695% | 4,142 |
| Loan and lease loss provision to assets | 0.1743% | 4,181 |
| Net operating income to assets | 0.2620% | 5,508 |
| Return on assets (ROA) | 0.2677% | 5,612 |
| Pretax return on assets | 0.2926% | 5,687 |
| Return on Equity (ROE) | 2.6993% | 5,521 |
| Retained earnings to average equity (ytd only) | 2.6993% | 4,571 |
| Net charge-offs to loans | 1.2791% | 1,213 |
| Credit loss provision to net charge-offs | 30.4348% | 4,982 |
| Earnings coverage of net charge-offs (x) | 0.8043% | 4,697 |
| Efficiency ratio | 86.1682% | 1,589 |
| Assets per employee ($millions) | 4.0906% | 3,572 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9314% | 2,571 |
| Loan loss allowance to noncurrent loans | 57.7083% | 4,576 |
| Noncurrent assets plus other real estate owned to assets | 1.6196% | 3,761 |
| Noncurrent loans to loans | 3.3468% | 2,133 |
| Net loans and leases to total assets | 42.9794% | 6,526 |
| Net loans and leases to deposits | 49.7242% | 6,621 |
| Net loans and leases to core deposits | 50.8662% | 6,722 |
| Total domestic deposits to total assets | 86.4354% | 3,081 |
| Equity capital to assets | 9.9924% | 4,164 |
| Core capital (leverage) ratio | 9.5899% | 3,823 |
| Tier 1 risk-based capital ratio | 18.2794% | 2,078 |
| Total risk-based capital ratio | 19.5374% | 2,037 |
| Memoranda: | ||
| Average total assets | $32,131,000 | 7,041 |
| Average earning assets | $28,400,000 | 7,046 |
| Average equity | $3,186,000 | 7,075 |
| Average total loans | $14,385,000 | 7,068 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1463% | 6,403 |
| Cost of funding earning assets | 1.2681% | 2,372 |
| Net interest margin | 2.8782% | 6,793 |
| Noninterest income to average assets | 0.8293% | 1,925 |
| Noninterest expense to average assets | 2.9905% | 3,687 |
| Loan and lease loss provision to assets | 0.0377% | 5,519 |
| Net operating income to assets | 0.3141% | 5,338 |
| Return on assets (ROA) | 0.3141% | 5,411 |
| Pretax return on assets | 0.3393% | 5,537 |
| Return on Equity (ROE) | 3.1807% | 5,290 |
| Retained earnings to average equity (ytd only) | 3.1807% | 4,264 |
| Net charge-offs to loans | -0.0555% | 6,915 |
| Credit loss provision to net charge-offs | -150.0000% | 5,773 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.8060% | 1,435 |
| Assets per employee ($millions) | 4.0938% | 3,656 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5345% | 1,414 |
| Loan loss allowance to noncurrent loans | 57.7371% | 4,541 |
| Noncurrent assets plus other real estate owned to assets | 1.9878% | 3,334 |
| Noncurrent loans to loans | 4.3897% | 1,607 |
| Net loans and leases to total assets | 40.7450% | 6,726 |
| Net loans and leases to deposits | 46.7833% | 6,804 |
| Net loans and leases to core deposits | 47.8485% | 6,883 |
| Total domestic deposits to total assets | 87.0931% | 2,897 |
| Equity capital to assets | 9.6427% | 4,259 |
| Core capital (leverage) ratio | 9.4663% | 3,868 |
| Tier 1 risk-based capital ratio | 19.9437% | 1,601 |
| Total risk-based capital ratio | 21.2062% | 1,565 |
| Memoranda: | ||
| Average total assets | $31,834,000 | 7,100 |
| Average earning assets | $28,073,000 | 7,100 |
| Average equity | $3,144,000 | 7,129 |
| Average total loans | $14,406,500 | 7,121 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1016% | 4,087 |
| Cost of funding earning assets | 1.5493% | 2,352 |
| Net interest margin | 3.5523% | 5,031 |
| Noninterest income to average assets | 0.9814% | 1,566 |
| Noninterest expense to average assets | 3.1561% | 3,248 |
| Loan and lease loss provision to assets | 0.1710% | 5,514 |
| Net operating income to assets | 0.6736% | 3,329 |
| Return on assets (ROA) | 0.6736% | 3,470 |
| Pretax return on assets | 0.7591% | 3,761 |
| Return on Equity (ROE) | 6.3614% | 3,416 |
| Retained earnings to average equity (ytd only) | 4.5531% | 2,687 |
| Net charge-offs to loans | 0.1523% | 5,439 |
| Credit loss provision to net charge-offs | 227.2727% | 1,295 |
| Earnings coverage of net charge-offs (x) | 12.3636% | 1,514 |
| Efficiency ratio | 77.2385% | 2,835 |
| Assets per employee ($millions) | 3.8648% | 4,096 |
| Cash dividends to net income (ytd only)* | 28.4264% | 3,122 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2550% | 1,764 |
| Loan loss allowance to noncurrent loans | 78.3908% | 3,607 |
| Noncurrent assets plus other real estate owned to assets | 1.5687% | 3,951 |
| Noncurrent loans to loans | 2.8766% | 2,647 |
| Net loans and leases to total assets | 47.8071% | 6,410 |
| Net loans and leases to deposits | 55.3596% | 6,493 |
| Net loans and leases to core deposits | 56.6887% | 6,655 |
| Total domestic deposits to total assets | 86.3575% | 3,161 |
| Equity capital to assets | 10.1236% | 3,587 |
| Core capital (leverage) ratio | 9.8409% | 3,274 |
| Tier 1 risk-based capital ratio | 18.3351% | 1,900 |
| Total risk-based capital ratio | 19.5962% | 1,858 |
| Memoranda: | ||
| Average total assets | $29,244,800 | 7,232 |
| Average earning assets | $25,560,600 | 7,243 |
| Average equity | $3,096,800 | 7,251 |
| Average total loans | $14,445,200 | 7,193 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0586% | 4,550 |
| Cost of funding earning assets | 1.4763% | 3,111 |
| Net interest margin | 3.5823% | 4,960 |
| Noninterest income to average assets | 0.9297% | 1,690 |
| Noninterest expense to average assets | 3.1683% | 3,040 |
| Loan and lease loss provision to assets | 0.1295% | 5,735 |
| Net operating income to assets | 0.6429% | 3,689 |
| Return on assets (ROA) | 0.6429% | 3,857 |
| Pretax return on assets | 0.7632% | 4,040 |
| Return on Equity (ROE) | 6.0006% | 3,811 |
| Retained earnings to average equity (ytd only) | 6.0006% | 2,352 |
| Net charge-offs to loans | 0.0841% | 5,691 |
| Credit loss provision to net charge-offs | 311.1111% | 1,017 |
| Earnings coverage of net charge-offs (x) | 21.4442% | 1,132 |
| Efficiency ratio | 78.0182% | 2,619 |
| Assets per employee ($millions) | 3.5700% | 4,801 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3009% | 1,626 |
| Loan loss allowance to noncurrent loans | 73.6142% | 3,633 |
| Noncurrent assets plus other real estate owned to assets | 1.7542% | 3,814 |
| Noncurrent loans to loans | 3.1256% | 2,552 |
| Net loans and leases to total assets | 49.3592% | 6,391 |
| Net loans and leases to deposits | 56.2306% | 6,601 |
| Net loans and leases to core deposits | 58.8749% | 6,676 |
| Total domestic deposits to total assets | 87.7801% | 2,109 |
| Equity capital to assets | 11.2115% | 2,766 |
| Core capital (leverage) ratio | 10.5993% | 2,595 |
| Tier 1 risk-based capital ratio | 19.4853% | 1,646 |
| Total risk-based capital ratio | 20.7495% | 1,612 |
| Memoranda: | ||
| Average total assets | $28,826,500 | 7,339 |
| Average earning assets | $25,197,500 | 7,342 |
| Average equity | $3,088,500 | 7,342 |
| Average total loans | $14,276,000 | 7,290 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1353% | 4,273 |
| Cost of funding earning assets | 1.5038% | 3,239 |
| Net interest margin | 3.6315% | 4,681 |
| Noninterest income to average assets | 0.8784% | 1,765 |
| Noninterest expense to average assets | 3.1195% | 3,219 |
| Loan and lease loss provision to assets | 0.1798% | 5,070 |
| Net operating income to assets | 0.6225% | 3,771 |
| Return on assets (ROA) | 0.6225% | 3,907 |
| Pretax return on assets | 0.7193% | 4,167 |
| Return on Equity (ROE) | 5.9003% | 3,852 |
| Retained earnings to average equity (ytd only) | 5.9003% | 2,394 |
| Net charge-offs to loans | 0.4218% | 3,312 |
| Credit loss provision to net charge-offs | 86.6667% | 4,527 |
| Earnings coverage of net charge-offs (x) | 4.3333% | 2,985 |
| Efficiency ratio | 77.6248% | 2,788 |
| Assets per employee ($millions) | 3.5943% | 4,714 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1741% | 1,817 |
| Loan loss allowance to noncurrent loans | 82.6203% | 3,303 |
| Noncurrent assets plus other real estate owned to assets | 1.4746% | 4,250 |
| Noncurrent loans to loans | 2.6314% | 3,006 |
| Net loans and leases to total assets | 48.3550% | 6,602 |
| Net loans and leases to deposits | 54.8460% | 6,802 |
| Net loans and leases to core deposits | 57.3739% | 6,865 |
| Total domestic deposits to total assets | 88.1651% | 1,914 |
| Equity capital to assets | 10.8541% | 3,018 |
| Core capital (leverage) ratio | 10.3194% | 2,807 |
| Tier 1 risk-based capital ratio | 18.9928% | 1,721 |
| Total risk-based capital ratio | 20.2518% | 1,685 |
| Memoranda: | ||
| Average total assets | $28,915,330 | 7,390 |
| Average earning assets | $25,003,330 | 7,400 |
| Average equity | $3,050,670 | 7,401 |
| Average total loans | $14,225,000 | 7,344 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2107% | 3,962 |
| Cost of funding earning assets | 1.5761% | 3,096 |
| Net interest margin | 3.6346% | 4,557 |
| Noninterest income to average assets | 0.8691% | 1,738 |
| Noninterest expense to average assets | 3.2004% | 2,863 |
| Loan and lease loss provision to assets | 0.0966% | 5,667 |
| Net operating income to assets | 0.5656% | 4,051 |
| Return on assets (ROA) | 0.5656% | 4,197 |
| Pretax return on assets | 0.6898% | 4,271 |
| Return on Equity (ROE) | 5.4386% | 4,137 |
| Retained earnings to average equity (ytd only) | 5.4386% | 2,908 |
| Net charge-offs to loans | 0.8432% | 1,850 |
| Credit loss provision to net charge-offs | 23.3333% | 4,908 |
| Earnings coverage of net charge-offs (x) | 1.9000% | 3,591 |
| Efficiency ratio | 80.2768% | 2,522 |
| Assets per employee ($millions) | 3.6386% | 4,721 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0952% | 1,967 |
| Loan loss allowance to noncurrent loans | 79.0191% | 3,447 |
| Noncurrent assets plus other real estate owned to assets | 1.4325% | 4,359 |
| Noncurrent loans to loans | 2.6515% | 3,022 |
| Net loans and leases to total assets | 46.5526% | 6,788 |
| Net loans and leases to deposits | 52.4663% | 7,009 |
| Net loans and leases to core deposits | 54.8379% | 7,061 |
| Total domestic deposits to total assets | 88.7286% | 1,659 |
| Equity capital to assets | 10.4263% | 3,319 |
| Core capital (leverage) ratio | 10.0395% | 3,118 |
| Tier 1 risk-based capital ratio | 18.6100% | 1,811 |
| Total risk-based capital ratio | 19.8702% | 1,776 |
| Memoranda: | ||
| Average total assets | $28,996,000 | 7,477 |
| Average earning assets | $24,872,000 | 7,500 |
| Average equity | $3,015,500 | 7,490 |
| Average total loans | $14,231,000 | 7,437 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5557% | 3,837 |
| Cost of funding earning assets | 1.8411% | 3,780 |
| Net interest margin | 3.7147% | 4,071 |
| Noninterest income to average assets | 0.9372% | 1,799 |
| Noninterest expense to average assets | 3.3360% | 2,885 |
| Loan and lease loss provision to assets | 0.1041% | 6,594 |
| Net operating income to assets | 0.7028% | 2,922 |
| Return on assets (ROA) | 0.7290% | 2,893 |
| Pretax return on assets | 0.8008% | 3,239 |
| Return on Equity (ROE) | 6.8581% | 2,842 |
| Retained earnings to average equity (ytd only) | 4.9662% | 1,831 |
| Net charge-offs to loans | 0.0291% | 6,838 |
| Credit loss provision to net charge-offs | 725.0000% | 400 |
| Earnings coverage of net charge-offs (x) | 61.0000% | 445 |
| Efficiency ratio | 79.1986% | 3,011 |
| Assets per employee ($millions) | 3.6104% | 4,763 |
| Cash dividends to net income (ytd only)* | 27.5862% | 3,427 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1408% | 1,749 |
| Loan loss allowance to noncurrent loans | 81.5104% | 3,393 |
| Noncurrent assets plus other real estate owned to assets | 1.5026% | 4,129 |
| Noncurrent loans to loans | 2.6264% | 2,931 |
| Net loans and leases to total assets | 49.5378% | 6,683 |
| Net loans and leases to deposits | 55.8296% | 6,930 |
| Net loans and leases to core deposits | 64.6164% | 7,052 |
| Total domestic deposits to total assets | 88.7304% | 1,614 |
| Equity capital to assets | 10.3729% | 3,321 |
| Core capital (leverage) ratio | 10.1761% | 2,919 |
| Tier 1 risk-based capital ratio | 18.1025% | 1,864 |
| Total risk-based capital ratio | 19.3771% | 1,815 |
| Memoranda: | ||
| Average total assets | $27,848,000 | 7,558 |
| Average earning assets | $24,551,200 | 7,561 |
| Average equity | $2,960,000 | 7,597 |
| Average total loans | $13,729,600 | 7,511 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6042% | 3,841 |
| Cost of funding earning assets | 1.8844% | 3,959 |
| Net interest margin | 3.7198% | 3,991 |
| Noninterest income to average assets | 0.9037% | 1,968 |
| Noninterest expense to average assets | 3.3394% | 2,770 |
| Loan and lease loss provision to assets | 0.0435% | 6,935 |
| Net operating income to assets | 0.7276% | 3,106 |
| Return on assets (ROA) | 0.7491% | 3,085 |
| Pretax return on assets | 0.8457% | 3,399 |
| Return on Equity (ROE) | 7.0030% | 3,070 |
| Retained earnings to average equity (ytd only) | 7.0030% | 1,507 |
| Net charge-offs to loans | -0.1777% | 7,967 |
| Credit loss provision to net charge-offs | -50.0000% | 7,188 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.4253% | 2,935 |
| Assets per employee ($millions) | 3.4519% | 5,043 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2312% | 1,373 |
| Loan loss allowance to noncurrent loans | 72.5806% | 3,712 |
| Noncurrent assets plus other real estate owned to assets | 1.8034% | 3,652 |
| Noncurrent loans to loans | 3.0741% | 2,460 |
| Net loans and leases to total assets | 49.9837% | 6,783 |
| Net loans and leases to deposits | 57.0584% | 7,023 |
| Net loans and leases to core deposits | 66.6586% | 7,132 |
| Total domestic deposits to total assets | 87.6009% | 1,847 |
| Equity capital to assets | 11.0954% | 2,928 |
| Core capital (leverage) ratio | 10.4259% | 2,852 |
| Tier 1 risk-based capital ratio | 18.9648% | 1,755 |
| Total risk-based capital ratio | 20.2244% | 1,712 |
| Memoranda: | ||
| Average total assets | $27,589,250 | 7,634 |
| Average earning assets | $24,481,000 | 7,631 |
| Average equity | $2,951,000 | 7,675 |
| Average total loans | $13,506,750 | 7,598 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5674% | 4,233 |
| Cost of funding earning assets | 1.9457% | 4,031 |
| Net interest margin | 3.6217% | 4,276 |
| Noninterest income to average assets | 0.9209% | 1,893 |
| Noninterest expense to average assets | 3.2559% | 3,133 |
| Loan and lease loss provision to assets | 0.0435% | 6,798 |
| Net operating income to assets | 0.6973% | 3,266 |
| Return on assets (ROA) | 0.7034% | 3,342 |
| Pretax return on assets | 0.8412% | 3,537 |
| Return on Equity (ROE) | 6.6590% | 3,358 |
| Retained earnings to average equity (ytd only) | 6.6590% | 1,716 |
| Net charge-offs to loans | -0.4661% | 8,099 |
| Credit loss provision to net charge-offs | -19.3548% | 6,894 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.7719% | 3,221 |
| Assets per employee ($millions) | 3.4063% | 5,047 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4466% | 945 |
| Loan loss allowance to noncurrent loans | 61.2053% | 4,392 |
| Noncurrent assets plus other real estate owned to assets | 2.1835% | 2,956 |
| Noncurrent loans to loans | 3.9973% | 1,701 |
| Net loans and leases to total assets | 47.5560% | 7,073 |
| Net loans and leases to deposits | 54.0454% | 7,268 |
| Net loans and leases to core deposits | 62.5072% | 7,361 |
| Total domestic deposits to total assets | 87.9927% | 1,780 |
| Equity capital to assets | 10.7596% | 3,153 |
| Core capital (leverage) ratio | 10.0715% | 3,219 |
| Tier 1 risk-based capital ratio | 19.3273% | 1,714 |
| Total risk-based capital ratio | 20.5894% | 1,668 |
| Memoranda: | ||
| Average total assets | $27,580,670 | 7,699 |
| Average earning assets | $24,463,670 | 7,704 |
| Average equity | $2,913,330 | 7,758 |
| Average total loans | $13,303,000 | 7,688 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6633% | 3,975 |
| Cost of funding earning assets | 2.0122% | 4,072 |
| Net interest margin | 3.6511% | 4,093 |
| Noninterest income to average assets | 0.9659% | 1,587 |
| Noninterest expense to average assets | 2.8833% | 4,215 |
| Loan and lease loss provision to assets | 0.0432% | 6,429 |
| Net operating income to assets | 1.0524% | 2,126 |
| Return on assets (ROA) | 1.0524% | 2,257 |
| Pretax return on assets | 1.2831% | 2,337 |
| Return on Equity (ROE) | 10.0551% | 2,292 |
| Retained earnings to average equity (ytd only) | 10.0551% | 1,174 |
| Net charge-offs to loans | -0.0601% | 7,756 |
| Credit loss provision to net charge-offs | -150.0000% | 6,242 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4932% | 4,868 |
| Assets per employee ($millions) | 3.5129% | 4,785 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2476% | 1,020 |
| Loan loss allowance to noncurrent loans | 55.3875% | 4,874 |
| Noncurrent assets plus other real estate owned to assets | 2.1065% | 2,741 |
| Noncurrent loans to loans | 4.0580% | 1,477 |
| Net loans and leases to total assets | 45.3439% | 7,236 |
| Net loans and leases to deposits | 51.2735% | 7,447 |
| Net loans and leases to core deposits | 60.7185% | 7,428 |
| Total domestic deposits to total assets | 88.4354% | 1,512 |
| Equity capital to assets | 10.4366% | 3,523 |
| Core capital (leverage) ratio | 10.0526% | 3,347 |
| Tier 1 risk-based capital ratio | 17.6456% | 2,141 |
| Total risk-based capital ratio | 18.9019% | 2,087 |
| Memoranda: | ||
| Average total assets | $27,746,000 | 7,740 |
| Average earning assets | $24,650,000 | 7,737 |
| Average equity | $2,904,000 | 7,812 |
| Average total loans | $13,312,500 | 7,732 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0780% | 5,152 |
| Cost of funding earning assets | 2.3256% | 5,033 |
| Net interest margin | 3.7524% | 4,219 |
| Noninterest income to average assets | 0.8896% | 2,001 |
| Noninterest expense to average assets | 3.3149% | 2,922 |
| Loan and lease loss provision to assets | 0.1825% | 5,069 |
| Net operating income to assets | 0.6729% | 4,014 |
| Return on assets (ROA) | 0.6729% | 3,853 |
| Pretax return on assets | 0.8515% | 3,888 |
| Return on Equity (ROE) | 6.4892% | 3,756 |
| Retained earnings to average equity (ytd only) | 4.9494% | 2,061 |
| Net charge-offs to loans | 0.7270% | 1,698 |
| Credit loss provision to net charge-offs | 48.4848% | 6,368 |
| Earnings coverage of net charge-offs (x) | 2.7475% | 4,709 |
| Efficiency ratio | 76.2238% | 3,202 |
| Assets per employee ($millions) | 3.4236% | 4,872 |
| Cash dividends to net income (ytd only)* | 23.7288% | 4,323 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1194% | 1,044 |
| Loan loss allowance to noncurrent loans | 72.1805% | 4,453 |
| Noncurrent assets plus other real estate owned to assets | 1.6905% | 2,875 |
| Noncurrent loans to loans | 2.9362% | 1,829 |
| Net loans and leases to total assets | 48.5633% | 7,143 |
| Net loans and leases to deposits | 54.9855% | 7,381 |
| Net loans and leases to core deposits | 66.5017% | 7,346 |
| Total domestic deposits to total assets | 88.3201% | 1,329 |
| Equity capital to assets | 10.4969% | 3,507 |
| Core capital (leverage) ratio | 10.2789% | 3,188 |
| Tier 1 risk-based capital ratio | 17.3558% | 2,216 |
| Total risk-based capital ratio | 18.6174% | 2,167 |
| Memoranda: | ||
| Average total assets | $26,305,400 | 7,794 |
| Average earning assets | $24,251,400 | 7,774 |
| Average equity | $2,727,600 | 7,923 |
| Average total loans | $13,618,400 | 7,727 |