Home > The First National Bank of McIntosh > Performance and Condition Ratios
The First National Bank of McIntosh, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2320% | 2,651 |
| Cost of funding earning assets | 1.8119% | 2,425 |
| Net interest margin | 3.4201% | 2,519 |
| Noninterest income to average assets | 0.6800% | 1,103 |
| Noninterest expense to average assets | 2.0617% | 3,429 |
| Loan and lease loss provision to assets | 0.1600% | 793 |
| Net operating income to assets | 1.5594% | 978 |
| Return on assets (ROA) | 1.5594% | 972 |
| Pretax return on assets | 1.8001% | 945 |
| Return on Equity (ROE) | 6.9700% | 3,131 |
| Retained earnings to average equity (ytd only) | 6.9740% | 1,997 |
| Net charge-offs to loans | 0.0000% | 2,326 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 51.3021% | 3,802 |
| Assets per employee ($millions) | 5.5649% | 3,267 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6620% | 715 |
| Loan loss allowance to noncurrent loans | 67.2544% | 3,295 |
| Noncurrent assets plus other real estate owned to assets | 1.0192% | 681 |
| Noncurrent loans to loans | 2.4712% | 315 |
| Net loans and leases to total assets | 40.5600% | 3,959 |
| Net loans and leases to deposits | 52.3772% | 3,785 |
| Net loans and leases to core deposits | 62.2802% | 3,610 |
| Total domestic deposits to total assets | 77.4300% | 3,877 |
| Equity capital to assets | 22.1030% | 239 |
| Core capital (leverage) ratio | 22.5507% | 196 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 60.1011% | 87 |
| Memoranda: | ||
| Average total assets | $38,220,500 | 4,298 |
| Average earning assets | $37,309,000 | 4,263 |
| Average equity | $8,546,000 | 3,932 |
| Average total loans | $15,905,000 | 4,252 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4884% | 2,161 |
| Cost of funding earning assets | 1.8758% | 2,523 |
| Net interest margin | 3.6126% | 1,852 |
| Noninterest income to average assets | 0.6300% | 1,401 |
| Noninterest expense to average assets | 2.1668% | 3,225 |
| Loan and lease loss provision to assets | 0.0100% | 2,986 |
| Net operating income to assets | 1.7074% | 644 |
| Return on assets (ROA) | 1.7074% | 644 |
| Pretax return on assets | 1.9703% | 626 |
| Return on Equity (ROE) | 7.6100% | 2,865 |
| Retained earnings to average equity (ytd only) | 7.6071% | 1,242 |
| Net charge-offs to loans | 0.0243% | 2,096 |
| Credit loss provision to net charge-offs | 125.0000% | 1,610 |
| Earnings coverage of net charge-offs (x) | 179.2500% | 545 |
| Efficiency ratio | 52.2000% | 3,870 |
| Assets per employee ($millions) | 5.3553% | 3,395 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6005% | 800 |
| Loan loss allowance to noncurrent loans | 494.1176% | 1,209 |
| Noncurrent assets plus other real estate owned to assets | 0.1360% | 2,780 |
| Noncurrent loans to loans | 0.3239% | 2,301 |
| Net loans and leases to total assets | 41.3300% | 3,966 |
| Net loans and leases to deposits | 53.6740% | 3,812 |
| Net loans and leases to core deposits | 64.1984% | 3,598 |
| Total domestic deposits to total assets | 77.0000% | 3,873 |
| Equity capital to assets | 22.6265% | 229 |
| Core capital (leverage) ratio | 23.1032% | 182 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 62.0804% | 88 |
| Memoranda: | ||
| Average total assets | $36,136,400 | 4,333 |
| Average earning assets | $35,237,800 | 4,292 |
| Average equity | $8,110,800 | 3,950 |
| Average total loans | $16,485,400 | 4,257 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4729% | 2,127 |
| Cost of funding earning assets | 1.8918% | 2,483 |
| Net interest margin | 3.5811% | 1,872 |
| Noninterest income to average assets | 0.6400% | 1,336 |
| Noninterest expense to average assets | 2.1155% | 3,294 |
| Loan and lease loss provision to assets | 0.0000% | 3,009 |
| Net operating income to assets | 1.6648% | 740 |
| Return on assets (ROA) | 1.6648% | 740 |
| Pretax return on assets | 2.0186% | 625 |
| Return on Equity (ROE) | 7.4300% | 2,917 |
| Retained earnings to average equity (ytd only) | 7.4331% | 1,590 |
| Net charge-offs to loans | 0.0320% | 1,685 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 135.5000% | 657 |
| Efficiency ratio | 51.1712% | 3,913 |
| Assets per employee ($millions) | 5.1664% | 3,531 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4736% | 1,123 |
| Loan loss allowance to noncurrent loans | 1,900.0000% | 453 |
| Noncurrent assets plus other real estate owned to assets | 0.0359% | 3,486 |
| Noncurrent loans to loans | 0.0776% | 3,301 |
| Net loans and leases to total assets | 45.6700% | 3,840 |
| Net loans and leases to deposits | 59.8478% | 3,602 |
| Net loans and leases to core deposits | 71.2283% | 3,332 |
| Total domestic deposits to total assets | 76.3000% | 3,900 |
| Equity capital to assets | 23.1052% | 209 |
| Core capital (leverage) ratio | 22.6954% | 185 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 56.4656% | 95 |
| Memoranda: | ||
| Average total assets | $35,798,750 | 4,358 |
| Average earning assets | $34,886,250 | 4,324 |
| Average equity | $8,018,000 | 3,979 |
| Average total loans | $16,670,500 | 4,280 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3363% | 2,290 |
| Cost of funding earning assets | 1.8668% | 2,453 |
| Net interest margin | 3.4694% | 2,033 |
| Noninterest income to average assets | 0.6000% | 1,448 |
| Noninterest expense to average assets | 2.1527% | 3,199 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 1.3959% | 1,083 |
| Return on assets (ROA) | 1.3959% | 1,092 |
| Pretax return on assets | 1.8331% | 814 |
| Return on Equity (ROE) | 6.3000% | 3,199 |
| Retained earnings to average equity (ytd only) | 6.2995% | 1,903 |
| Net charge-offs to loans | 0.0481% | 1,314 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 81.7500% | 867 |
| Efficiency ratio | 54.0084% | 3,750 |
| Assets per employee ($millions) | 5.2151% | 3,444 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4647% | 1,178 |
| Loan loss allowance to noncurrent loans | 561.3636% | 1,170 |
| Noncurrent assets plus other real estate owned to assets | 0.1205% | 2,848 |
| Noncurrent loans to loans | 0.2609% | 2,440 |
| Net loans and leases to total assets | 45.5200% | 3,852 |
| Net loans and leases to deposits | 58.9360% | 3,627 |
| Net loans and leases to core deposits | 67.9549% | 3,462 |
| Total domestic deposits to total assets | 77.2300% | 3,793 |
| Equity capital to assets | 22.1580% | 229 |
| Core capital (leverage) ratio | 22.2167% | 192 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 55.1949% | 97 |
| Memoranda: | ||
| Average total assets | $35,676,667 | 4,382 |
| Average earning assets | $34,818,333 | 4,344 |
| Average equity | $7,905,333 | 3,982 |
| Average total loans | $16,640,000 | 4,298 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8529% | 3,065 |
| Cost of funding earning assets | 1.8227% | 2,439 |
| Net interest margin | 3.0302% | 2,924 |
| Noninterest income to average assets | 0.1800% | 3,777 |
| Noninterest expense to average assets | 2.8473% | 1,348 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 0.2949% | 3,831 |
| Return on assets (ROA) | 0.2949% | 3,862 |
| Pretax return on assets | 0.2949% | 3,923 |
| Return on Equity (ROE) | 1.3300% | 4,099 |
| Retained earnings to average equity (ytd only) | 1.3310% | 3,410 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 90.6137% | 565 |
| Assets per employee ($millions) | 5.1619% | 3,544 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4895% | 1,100 |
| Loan loss allowance to noncurrent loans | 494.1176% | 1,363 |
| Noncurrent assets plus other real estate owned to assets | 0.1411% | 2,685 |
| Noncurrent loans to loans | 0.3015% | 2,235 |
| Net loans and leases to total assets | 46.1200% | 3,803 |
| Net loans and leases to deposits | 59.2506% | 3,559 |
| Net loans and leases to core deposits | 68.3285% | 3,417 |
| Total domestic deposits to total assets | 77.8500% | 3,818 |
| Equity capital to assets | 21.7447% | 239 |
| Core capital (leverage) ratio | 22.3773% | 192 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 53.4970% | 101 |
| Memoranda: | ||
| Average total assets | $35,262,000 | 4,413 |
| Average earning assets | $34,453,500 | 4,372 |
| Average equity | $7,813,500 | 4,015 |
| Average total loans | $16,528,000 | 4,324 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7786% | 2,517 |
| Cost of funding earning assets | 1.2417% | 2,686 |
| Net interest margin | 3.5369% | 2,100 |
| Noninterest income to average assets | 0.6000% | 1,526 |
| Noninterest expense to average assets | 2.2457% | 2,991 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.8109% | 601 |
| Return on assets (ROA) | 1.8109% | 581 |
| Pretax return on assets | 1.8109% | 876 |
| Return on Equity (ROE) | 8.5300% | 2,886 |
| Retained earnings to average equity (ytd only) | 8.5318% | 1,384 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 55.3584% | 3,565 |
| Assets per employee ($millions) | 4.9130% | 3,700 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5615% | 913 |
| Loan loss allowance to noncurrent loans | 3,150.0000% | 357 |
| Noncurrent assets plus other real estate owned to assets | 0.0233% | 3,556 |
| Noncurrent loans to loans | 0.0496% | 3,372 |
| Net loans and leases to total assets | 46.1900% | 3,806 |
| Net loans and leases to deposits | 60.0401% | 3,521 |
| Net loans and leases to core deposits | 67.4479% | 3,434 |
| Total domestic deposits to total assets | 76.9400% | 3,852 |
| Equity capital to assets | 22.5931% | 224 |
| Core capital (leverage) ratio | 22.3441% | 199 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 55.5971% | 94 |
| Memoranda: | ||
| Average total assets | $34,733,200 | 4,433 |
| Average earning assets | $33,984,600 | 4,388 |
| Average equity | $7,372,400 | 4,004 |
| Average total loans | $14,798,600 | 4,354 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6488% | 2,571 |
| Cost of funding earning assets | 1.1221% | 2,680 |
| Net interest margin | 3.5267% | 2,157 |
| Noninterest income to average assets | 0.6000% | 1,525 |
| Noninterest expense to average assets | 2.1942% | 3,092 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.8610% | 590 |
| Return on assets (ROA) | 1.8610% | 580 |
| Pretax return on assets | 1.8610% | 912 |
| Return on Equity (ROE) | 8.9100% | 2,952 |
| Retained earnings to average equity (ytd only) | 8.9094% | 1,710 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 54.1076% | 3,577 |
| Assets per employee ($millions) | 6.8726% | 2,052 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6466% | 790 |
| Loan loss allowance to noncurrent loans | 1,800.0000% | 561 |
| Noncurrent assets plus other real estate owned to assets | 0.0407% | 3,388 |
| Noncurrent loans to loans | 0.0915% | 3,120 |
| Net loans and leases to total assets | 43.8000% | 3,924 |
| Net loans and leases to deposits | 56.5079% | 3,685 |
| Net loans and leases to core deposits | 63.3822% | 3,559 |
| Total domestic deposits to total assets | 77.5200% | 3,877 |
| Equity capital to assets | 22.0208% | 240 |
| Core capital (leverage) ratio | 22.3334% | 199 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 56.6976% | 92 |
| Memoranda: | ||
| Average total assets | $34,818,750 | 4,451 |
| Average earning assets | $34,101,250 | 4,408 |
| Average equity | $7,273,000 | 4,014 |
| Average total loans | $14,463,750 | 4,380 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6295% | 2,350 |
| Cost of funding earning assets | 0.9329% | 2,822 |
| Net interest margin | 3.6966% | 1,818 |
| Noninterest income to average assets | 0.5600% | 1,626 |
| Noninterest expense to average assets | 2.2362% | 2,979 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.9502% | 502 |
| Return on assets (ROA) | 1.9502% | 502 |
| Pretax return on assets | 1.9502% | 804 |
| Return on Equity (ROE) | 9.5100% | 2,829 |
| Retained earnings to average equity (ytd only) | 9.5052% | 1,539 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 53.4153% | 3,658 |
| Assets per employee ($millions) | 6.8964% | 2,006 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6500% | 838 |
| Loan loss allowance to noncurrent loans | 1,680.0000% | 662 |
| Noncurrent assets plus other real estate owned to assets | 0.0435% | 3,343 |
| Noncurrent loans to loans | 0.0982% | 3,002 |
| Net loans and leases to total assets | 43.5600% | 3,898 |
| Net loans and leases to deposits | 55.6107% | 3,668 |
| Net loans and leases to core deposits | 62.2632% | 3,526 |
| Total domestic deposits to total assets | 78.3300% | 3,810 |
| Equity capital to assets | 21.3706% | 246 |
| Core capital (leverage) ratio | 21.4237% | 214 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 55.7551% | 89 |
| Memoranda: | ||
| Average total assets | $34,970,667 | 4,478 |
| Average earning assets | $34,301,667 | 4,430 |
| Average equity | $7,175,000 | 4,055 |
| Average total loans | $14,183,667 | 4,405 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4278% | 2,476 |
| Cost of funding earning assets | 0.8135% | 2,687 |
| Net interest margin | 3.6143% | 2,094 |
| Noninterest income to average assets | 0.5500% | 1,626 |
| Noninterest expense to average assets | 2.0673% | 3,455 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 2.0105% | 484 |
| Return on assets (ROA) | 2.0105% | 481 |
| Pretax return on assets | 2.0105% | 765 |
| Return on Equity (ROE) | 10.0000% | 2,785 |
| Retained earnings to average equity (ytd only) | 10.0028% | 1,698 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 50.6964% | 3,879 |
| Assets per employee ($millions) | 7.1866% | 1,829 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8313% | 623 |
| Loan loss allowance to noncurrent loans | 1,680.0000% | 672 |
| Noncurrent assets plus other real estate owned to assets | 0.0417% | 3,365 |
| Noncurrent loans to loans | 0.1090% | 2,983 |
| Net loans and leases to total assets | 37.5900% | 4,130 |
| Net loans and leases to deposits | 47.0861% | 3,993 |
| Net loans and leases to core deposits | 52.3523% | 3,898 |
| Total domestic deposits to total assets | 79.8400% | 3,780 |
| Equity capital to assets | 20.0206% | 233 |
| Core capital (leverage) ratio | 20.8736% | 233 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 60.2410% | 83 |
| Memoranda: | ||
| Average total assets | $35,215,000 | 4,538 |
| Average earning assets | $34,419,000 | 4,494 |
| Average equity | $7,078,000 | 4,115 |
| Average total loans | $13,639,000 | 4,475 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5155% | 4,502 |
| Cost of funding earning assets | 0.2510% | 3,314 |
| Net interest margin | 2.2646% | 4,447 |
| Noninterest income to average assets | 0.9000% | 783 |
| Noninterest expense to average assets | 1.9736% | 3,654 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.1403% | 2,010 |
| Return on assets (ROA) | 1.1403% | 1,958 |
| Pretax return on assets | 1.1403% | 2,640 |
| Return on Equity (ROE) | 5.7600% | 3,876 |
| Retained earnings to average equity (ytd only) | 5.7583% | 2,731 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 63.3803% | 2,580 |
| Assets per employee ($millions) | 6.8994% | 2,045 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8643% | 578 |
| Loan loss allowance to noncurrent loans | 2,100.0000% | 577 |
| Noncurrent assets plus other real estate owned to assets | 0.0348% | 3,457 |
| Noncurrent loans to loans | 0.0888% | 3,122 |
| Net loans and leases to total assets | 38.4500% | 4,128 |
| Net loans and leases to deposits | 48.2031% | 3,969 |
| Net loans and leases to core deposits | 51.6409% | 3,918 |
| Total domestic deposits to total assets | 79.7700% | 3,911 |
| Equity capital to assets | 20.1815% | 222 |
| Core capital (leverage) ratio | 21.0120% | 224 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 60.0978% | 85 |
| Memoranda: | ||
| Average total assets | $34,202,000 | 4,585 |
| Average earning assets | $33,472,400 | 4,537 |
| Average equity | $6,772,800 | 4,244 |
| Average total loans | $11,462,800 | 4,538 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1551% | 4,575 |
| Cost of funding earning assets | 0.1836% | 3,472 |
| Net interest margin | 1.9715% | 4,559 |
| Noninterest income to average assets | 0.8800% | 864 |
| Noninterest expense to average assets | 1.9729% | 3,549 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.8321% | 3,124 |
| Return on assets (ROA) | 0.8321% | 3,094 |
| Pretax return on assets | 0.8321% | 3,504 |
| Return on Equity (ROE) | 4.2200% | 4,114 |
| Retained earnings to average equity (ytd only) | 4.2226% | 3,368 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 70.3343% | 1,719 |
| Assets per employee ($millions) | 5.6647% | 3,064 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0729% | 436 |
| Loan loss allowance to noncurrent loans | 4,200.0000% | 310 |
| Noncurrent assets plus other real estate owned to assets | 0.0177% | 3,776 |
| Noncurrent loans to loans | 0.0494% | 3,522 |
| Net loans and leases to total assets | 35.0300% | 4,268 |
| Net loans and leases to deposits | 43.8119% | 4,124 |
| Net loans and leases to core deposits | 46.9718% | 4,062 |
| Total domestic deposits to total assets | 79.9500% | 4,104 |
| Equity capital to assets | 19.9188% | 219 |
| Core capital (leverage) ratio | 20.3415% | 228 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 66.0440% | 79 |
| Memoranda: | ||
| Average total assets | $34,128,250 | 4,618 |
| Average earning assets | $33,408,500 | 4,576 |
| Average equity | $6,725,500 | 4,289 |
| Average total loans | $10,949,250 | 4,577 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7498% | 4,672 |
| Cost of funding earning assets | 0.1493% | 3,584 |
| Net interest margin | 1.6005% | 4,673 |
| Noninterest income to average assets | 0.5677% | 1,874 |
| Noninterest expense to average assets | 2.0249% | 3,368 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.1112% | 4,505 |
| Return on assets (ROA) | 0.1112% | 4,471 |
| Pretax return on assets | 0.1112% | 4,483 |
| Return on Equity (ROE) | 0.5663% | 4,508 |
| Retained earnings to average equity (ytd only) | 0.5663% | 4,080 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.7945% | 273 |
| Assets per employee ($millions) | 5.7633% | 2,964 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2059% | 383 |
| Loan loss allowance to noncurrent loans | 4,200.0000% | 296 |
| Noncurrent assets plus other real estate owned to assets | 0.0174% | 3,837 |
| Noncurrent loans to loans | 0.0525% | 3,556 |
| Net loans and leases to total assets | 32.3077% | 4,393 |
| Net loans and leases to deposits | 40.0373% | 4,264 |
| Net loans and leases to core deposits | 42.8440% | 4,234 |
| Total domestic deposits to total assets | 80.6940% | 4,171 |
| Equity capital to assets | 19.2076% | 186 |
| Core capital (leverage) ratio | 19.3976% | 220 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 67.7282% | 43 |
| Memoranda: | ||
| Average total assets | $34,175,000 | 4,653 |
| Average earning assets | $33,490,000 | 4,631 |
| Average equity | $6,710,667 | 4,349 |
| Average total loans | $10,546,667 | 4,649 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5763% | 4,711 |
| Cost of funding earning assets | 0.1324% | 3,736 |
| Net interest margin | 1.4439% | 4,708 |
| Noninterest income to average assets | 0.4827% | 2,222 |
| Noninterest expense to average assets | 2.0723% | 3,246 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | -0.1766% | 4,632 |
| Return on assets (ROA) | -0.1766% | 4,616 |
| Pretax return on assets | -0.1766% | 4,611 |
| Return on Equity (ROE) | -0.8895% | 4,583 |
| Retained earnings to average equity (ytd only) | -0.8895% | 4,130 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 109.3168% | 138 |
| Assets per employee ($millions) | 5.7398% | 3,072 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3418% | 346 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 30.5148% | 4,432 |
| Net loans and leases to deposits | 37.8525% | 4,327 |
| Net loans and leases to core deposits | 40.5205% | 4,299 |
| Total domestic deposits to total assets | 80.6150% | 4,237 |
| Equity capital to assets | 19.3240% | 180 |
| Core capital (leverage) ratio | 20.1461% | 162 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 69.9506% | 43 |
| Memoranda: | ||
| Average total assets | $33,972,500 | 4,682 |
| Average earning assets | $33,242,500 | 4,660 |
| Average equity | $6,745,000 | 4,387 |
| Average total loans | $10,108,000 | 4,679 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0556% | 4,669 |
| Cost of funding earning assets | 0.1904% | 3,556 |
| Net interest margin | 1.8652% | 4,646 |
| Noninterest income to average assets | 0.5939% | 2,185 |
| Noninterest expense to average assets | 2.0354% | 3,567 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.3465% | 4,356 |
| Return on assets (ROA) | 0.3465% | 4,383 |
| Pretax return on assets | 0.3465% | 4,443 |
| Return on Equity (ROE) | 1.6363% | 4,542 |
| Retained earnings to average equity (ytd only) | -1.5194% | 4,605 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.4545% | 493 |
| Assets per employee ($millions) | 5.5843% | 3,176 |
| Cash dividends to net income (ytd only)* | 192.8571% | 41 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6653% | 224 |
| Loan loss allowance to noncurrent loans | 4,200.0000% | 295 |
| Noncurrent assets plus other real estate owned to assets | 0.0179% | 3,961 |
| Noncurrent loans to loans | 0.0635% | 3,629 |
| Net loans and leases to total assets | 27.4667% | 4,582 |
| Net loans and leases to deposits | 34.5238% | 4,513 |
| Net loans and leases to core deposits | 36.3769% | 4,510 |
| Total domestic deposits to total assets | 79.5589% | 4,260 |
| Equity capital to assets | 20.3993% | 166 |
| Core capital (leverage) ratio | 20.5292% | 155 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 79.7815% | 40 |
| Memoranda: | ||
| Average total assets | $32,327,600 | 4,729 |
| Average earning assets | $30,988,200 | 4,710 |
| Average equity | $6,844,800 | 4,441 |
| Average total loans | $9,820,800 | 4,731 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1877% | 4,718 |
| Cost of funding earning assets | 0.1965% | 3,637 |
| Net interest margin | 1.9912% | 4,685 |
| Noninterest income to average assets | 0.6077% | 2,185 |
| Noninterest expense to average assets | 2.0395% | 3,556 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.4662% | 4,262 |
| Return on assets (ROA) | 0.4662% | 4,302 |
| Pretax return on assets | 0.4662% | 4,410 |
| Return on Equity (ROE) | 2.1809% | 4,571 |
| Retained earnings to average equity (ytd only) | -2.0251% | 4,702 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.3953% | 673 |
| Assets per employee ($millions) | 5.5407% | 3,153 |
| Cash dividends to net income (ytd only)* | 192.8571% | 39 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6354% | 228 |
| Loan loss allowance to noncurrent loans | 3,600.0000% | 294 |
| Noncurrent assets plus other real estate owned to assets | 0.0211% | 4,051 |
| Noncurrent loans to loans | 0.0732% | 3,724 |
| Net loans and leases to total assets | 28.0051% | 4,647 |
| Net loans and leases to deposits | 35.3535% | 4,592 |
| Net loans and leases to core deposits | 37.2638% | 4,588 |
| Total domestic deposits to total assets | 79.2143% | 4,324 |
| Equity capital to assets | 20.6142% | 168 |
| Core capital (leverage) ratio | 20.5415% | 164 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 78.5779% | 40 |
| Memoranda: | ||
| Average total assets | $32,033,000 | 4,801 |
| Average earning assets | $30,533,250 | 4,782 |
| Average equity | $6,847,250 | 4,499 |
| Average total loans | $9,912,250 | 4,799 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0758% | 4,789 |
| Cost of funding earning assets | 0.2002% | 3,743 |
| Net interest margin | 1.8756% | 4,765 |
| Noninterest income to average assets | 0.6260% | 2,100 |
| Noninterest expense to average assets | 2.0740% | 3,467 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.3288% | 4,490 |
| Return on assets (ROA) | 0.3288% | 4,514 |
| Pretax return on assets | 0.3288% | 4,558 |
| Return on Equity (ROE) | 1.5193% | 4,647 |
| Retained earnings to average equity (ytd only) | -4.7916% | 4,785 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.3158% | 461 |
| Assets per employee ($millions) | 5.5058% | 3,122 |
| Cash dividends to net income (ytd only)* | 415.3846% | 18 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4869% | 279 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 29.9107% | 4,652 |
| Net loans and leases to deposits | 37.7296% | 4,589 |
| Net loans and leases to core deposits | 39.7786% | 4,586 |
| Total domestic deposits to total assets | 79.2765% | 4,315 |
| Equity capital to assets | 20.5842% | 168 |
| Core capital (leverage) ratio | 20.5878% | 163 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 78.7563% | 43 |
| Memoranda: | ||
| Average total assets | $31,629,333 | 4,837 |
| Average earning assets | $29,964,333 | 4,817 |
| Average equity | $6,845,333 | 4,523 |
| Average total loans | $10,029,000 | 4,836 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9039% | 4,855 |
| Cost of funding earning assets | 0.2055% | 3,863 |
| Net interest margin | 1.6985% | 4,837 |
| Noninterest income to average assets | 0.4786% | 2,711 |
| Noninterest expense to average assets | 2.1858% | 3,151 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | -0.1035% | 4,811 |
| Return on assets (ROA) | -0.1035% | 4,814 |
| Pretax return on assets | -0.1035% | 4,814 |
| Return on Equity (ROE) | -0.4659% | 4,800 |
| Retained earnings to average equity (ytd only) | -13.0460% | 4,859 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.9689% | 144 |
| Assets per employee ($millions) | 6.4052% | 2,251 |
| Cash dividends to net income (ytd only)* | -2,700.0000% | 4,974 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4552% | 278 |
| Loan loss allowance to noncurrent loans | 1,008.0000% | 665 |
| Noncurrent assets plus other real estate owned to assets | 0.0781% | 3,826 |
| Noncurrent loans to loans | 0.2436% | 3,226 |
| Net loans and leases to total assets | 31.2621% | 4,657 |
| Net loans and leases to deposits | 39.6515% | 4,579 |
| Net loans and leases to core deposits | 41.8895% | 4,569 |
| Total domestic deposits to total assets | 78.8422% | 4,350 |
| Equity capital to assets | 21.0704% | 149 |
| Core capital (leverage) ratio | 21.9552% | 135 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 71.2333% | 42 |
| Memoranda: | ||
| Average total assets | $30,926,500 | 4,866 |
| Average earning assets | $29,203,000 | 4,846 |
| Average equity | $6,868,000 | 4,536 |
| Average total loans | $9,977,000 | 4,862 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6054% | 4,821 |
| Cost of funding earning assets | 0.3910% | 3,641 |
| Net interest margin | 2.2144% | 4,754 |
| Noninterest income to average assets | 0.5499% | 2,421 |
| Noninterest expense to average assets | 2.2066% | 3,648 |
| Loan and lease loss provision to assets | 0.0072% | 4,265 |
| Net operating income to assets | 0.3917% | 4,264 |
| Return on assets (ROA) | 0.3917% | 4,346 |
| Pretax return on assets | 0.3917% | 4,437 |
| Return on Equity (ROE) | 1.5586% | 4,616 |
| Retained earnings to average equity (ytd only) | -1.8159% | 4,694 |
| Net charge-offs to loans | 0.0205% | 2,652 |
| Credit loss provision to net charge-offs | 100.0000% | 2,816 |
| Earnings coverage of net charge-offs (x) | 55.5000% | 1,114 |
| Efficiency ratio | 84.6897% | 586 |
| Assets per employee ($millions) | 5.9654% | 2,364 |
| Cash dividends to net income (ytd only)* | 216.5138% | 49 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6006% | 227 |
| Loan loss allowance to noncurrent loans | 1,050.0000% | 629 |
| Noncurrent assets plus other real estate owned to assets | 0.0805% | 3,934 |
| Noncurrent loans to loans | 0.2477% | 3,309 |
| Net loans and leases to total assets | 31.6425% | 4,717 |
| Net loans and leases to deposits | 41.3566% | 4,624 |
| Net loans and leases to core deposits | 43.9570% | 4,603 |
| Total domestic deposits to total assets | 76.5112% | 4,467 |
| Equity capital to assets | 23.4284% | 112 |
| Core capital (leverage) ratio | 23.4385% | 112 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 77.8797% | 39 |
| Memoranda: | ||
| Average total assets | $27,825,400 | 4,890 |
| Average earning assets | $25,831,400 | 4,876 |
| Average equity | $6,993,600 | 4,528 |
| Average total loans | $9,764,200 | 4,894 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6773% | 4,867 |
| Cost of funding earning assets | 0.4383% | 3,591 |
| Net interest margin | 2.2390% | 4,801 |
| Noninterest income to average assets | 0.5319% | 2,466 |
| Noninterest expense to average assets | 2.2543% | 3,543 |
| Loan and lease loss provision to assets | 0.0110% | 4,166 |
| Net operating income to assets | 0.3367% | 4,381 |
| Return on assets (ROA) | 0.3367% | 4,438 |
| Pretax return on assets | 0.3367% | 4,510 |
| Return on Equity (ROE) | 1.3152% | 4,658 |
| Retained earnings to average equity (ytd only) | -3.1831% | 4,781 |
| Net charge-offs to loans | 0.0273% | 2,287 |
| Credit loss provision to net charge-offs | 100.0000% | 2,620 |
| Earnings coverage of net charge-offs (x) | 35.5000% | 1,449 |
| Efficiency ratio | 86.6792% | 470 |
| Assets per employee ($millions) | 4.6393% | 3,670 |
| Cash dividends to net income (ytd only)* | 342.0290% | 24 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5945% | 204 |
| Loan loss allowance to noncurrent loans | 969.2308% | 602 |
| Noncurrent assets plus other real estate owned to assets | 0.0934% | 3,963 |
| Noncurrent loans to loans | 0.2677% | 3,335 |
| Net loans and leases to total assets | 33.9884% | 4,741 |
| Net loans and leases to deposits | 45.5425% | 4,621 |
| Net loans and leases to core deposits | 48.6452% | 4,611 |
| Total domestic deposits to total assets | 74.6300% | 4,532 |
| Equity capital to assets | 25.0395% | 102 |
| Core capital (leverage) ratio | 24.4857% | 104 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 75.5606% | 44 |
| Memoranda: | ||
| Average total assets | $27,325,000 | 4,925 |
| Average earning assets | $25,248,250 | 4,910 |
| Average equity | $6,995,000 | 4,544 |
| Average total loans | $9,782,750 | 4,925 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7936% | 4,911 |
| Cost of funding earning assets | 0.4762% | 3,675 |
| Net interest margin | 2.3174% | 4,828 |
| Noninterest income to average assets | 0.5450% | 2,375 |
| Noninterest expense to average assets | 2.2464% | 3,664 |
| Loan and lease loss provision to assets | 0.0147% | 4,045 |
| Net operating income to assets | 0.4345% | 4,156 |
| Return on assets (ROA) | 0.4345% | 4,221 |
| Pretax return on assets | 0.4345% | 4,365 |
| Return on Equity (ROE) | 1.6849% | 4,590 |
| Retained earnings to average equity (ytd only) | -5.0547% | 4,771 |
| Net charge-offs to loans | 0.0204% | 2,315 |
| Credit loss provision to net charge-offs | 200.0000% | 1,910 |
| Earnings coverage of net charge-offs (x) | 61.0000% | 953 |
| Efficiency ratio | 83.3333% | 674 |
| Assets per employee ($millions) | 4.6242% | 3,623 |
| Cash dividends to net income (ytd only)* | 400.0000% | 29 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6195% | 195 |
| Loan loss allowance to noncurrent loans | 969.2308% | 576 |
| Noncurrent assets plus other real estate owned to assets | 0.0937% | 4,057 |
| Noncurrent loans to loans | 0.2703% | 3,415 |
| Net loans and leases to total assets | 33.7646% | 4,786 |
| Net loans and leases to deposits | 45.2604% | 4,671 |
| Net loans and leases to core deposits | 48.3560% | 4,657 |
| Total domestic deposits to total assets | 74.6008% | 4,551 |
| Equity capital to assets | 25.1505% | 101 |
| Core capital (leverage) ratio | 25.0118% | 99 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 76.3531% | 40 |
| Memoranda: | ||
| Average total assets | $27,154,667 | 4,957 |
| Average earning assets | $25,200,333 | 4,940 |
| Average equity | $7,003,333 | 4,564 |
| Average total loans | $9,806,000 | 4,959 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0810% | 4,920 |
| Cost of funding earning assets | 0.5400% | 3,744 |
| Net interest margin | 2.5410% | 4,797 |
| Noninterest income to average assets | 0.5808% | 2,122 |
| Noninterest expense to average assets | 2.5317% | 3,176 |
| Loan and lease loss provision to assets | 0.0298% | 3,406 |
| Net operating income to assets | 0.4021% | 4,130 |
| Return on assets (ROA) | 0.4021% | 4,164 |
| Pretax return on assets | 0.4021% | 4,290 |
| Return on Equity (ROE) | 1.5393% | 4,536 |
| Retained earnings to average equity (ytd only) | -11.9156% | 4,826 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.4271% | 741 |
| Assets per employee ($millions) | 4.4975% | 3,265 |
| Cash dividends to net income (ytd only)* | 874.0741% | 20 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5112% | 242 |
| Loan loss allowance to noncurrent loans | 12,650.0000% | 58 |
| Noncurrent assets plus other real estate owned to assets | 0.0074% | 4,609 |
| Noncurrent loans to loans | 0.0199% | 4,493 |
| Net loans and leases to total assets | 36.3980% | 4,765 |
| Net loans and leases to deposits | 49.1567% | 4,620 |
| Net loans and leases to core deposits | 53.8015% | 4,576 |
| Total domestic deposits to total assets | 74.0448% | 4,659 |
| Equity capital to assets | 25.7699% | 103 |
| Core capital (leverage) ratio | 25.5026% | 108 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 74.0438% | 43 |
| Memoranda: | ||
| Average total assets | $26,859,500 | 5,000 |
| Average earning assets | $25,186,500 | 4,983 |
| Average equity | $7,016,000 | 4,599 |
| Average total loans | $9,899,000 | 5,000 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4989% | 4,859 |
| Cost of funding earning assets | 0.5219% | 3,997 |
| Net interest margin | 2.9770% | 4,546 |
| Noninterest income to average assets | 0.5142% | 2,652 |
| Noninterest expense to average assets | 2.3080% | 3,927 |
| Loan and lease loss provision to assets | 0.0190% | 3,636 |
| Net operating income to assets | 0.9026% | 3,200 |
| Return on assets (ROA) | 0.9026% | 3,288 |
| Pretax return on assets | 0.9026% | 3,737 |
| Return on Equity (ROE) | 3.3898% | 4,597 |
| Retained earnings to average equity (ytd only) | 0.0143% | 4,690 |
| Net charge-offs to loans | 0.1102% | 1,628 |
| Credit loss provision to net charge-offs | 45.4545% | 3,161 |
| Earnings coverage of net charge-offs (x) | 22.0000% | 1,866 |
| Efficiency ratio | 71.4623% | 1,947 |
| Assets per employee ($millions) | 4.4557% | 3,292 |
| Cash dividends to net income (ytd only)* | 99.5781% | 308 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5815% | 198 |
| Loan loss allowance to noncurrent loans | 12,550.0000% | 69 |
| Noncurrent assets plus other real estate owned to assets | 0.0075% | 4,639 |
| Noncurrent loans to loans | 0.0206% | 4,484 |
| Net loans and leases to total assets | 35.4305% | 4,856 |
| Net loans and leases to deposits | 48.2551% | 4,737 |
| Net loans and leases to core deposits | 52.9014% | 4,678 |
| Total domestic deposits to total assets | 73.4234% | 4,799 |
| Equity capital to assets | 26.4756% | 108 |
| Core capital (leverage) ratio | 26.4048% | 106 |
| Tier 1 risk-based capital ratio | 76.1792% | 60 |
| Total risk-based capital ratio | 77.4420% | 60 |
| Memoranda: | ||
| Average total assets | $26,256,600 | 5,064 |
| Average earning assets | $23,950,200 | 5,055 |
| Average equity | $6,991,600 | 4,642 |
| Average total loans | $9,983,600 | 5,055 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6035% | 4,879 |
| Cost of funding earning assets | 0.5180% | 4,072 |
| Net interest margin | 3.0855% | 4,499 |
| Noninterest income to average assets | 0.4234% | 3,187 |
| Noninterest expense to average assets | 2.4485% | 3,572 |
| Loan and lease loss provision to assets | 0.0102% | 3,684 |
| Net operating income to assets | 0.7601% | 3,812 |
| Return on assets (ROA) | 0.7601% | 3,879 |
| Pretax return on assets | 0.7601% | 4,214 |
| Return on Equity (ROE) | 2.8502% | 4,789 |
| Retained earnings to average equity (ytd only) | -1.6643% | 4,904 |
| Net charge-offs to loans | 0.1460% | 1,110 |
| Credit loss provision to net charge-offs | 18.1818% | 2,973 |
| Earnings coverage of net charge-offs (x) | 13.7239% | 2,273 |
| Efficiency ratio | 76.0697% | 1,323 |
| Assets per employee ($millions) | 5.2604% | 2,276 |
| Cash dividends to net income (ytd only)* | 158.3912% | 101 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5058% | 217 |
| Loan loss allowance to noncurrent loans | 12,400.0000% | 71 |
| Noncurrent assets plus other real estate owned to assets | 0.0076% | 4,727 |
| Noncurrent loans to loans | 0.0202% | 4,583 |
| Net loans and leases to total assets | 36.6854% | 4,914 |
| Net loans and leases to deposits | 50.2055% | 4,769 |
| Net loans and leases to core deposits | 53.8539% | 4,750 |
| Total domestic deposits to total assets | 73.0705% | 4,861 |
| Equity capital to assets | 26.5759% | 108 |
| Core capital (leverage) ratio | 27.3953% | 93 |
| Tier 1 risk-based capital ratio | 74.3494% | 66 |
| Total risk-based capital ratio | 75.6079% | 65 |
| Memoranda: | ||
| Average total assets | $26,137,250 | 5,142 |
| Average earning assets | $23,680,000 | 5,132 |
| Average equity | $6,970,000 | 4,703 |
| Average total loans | $10,048,750 | 5,134 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6567% | 4,874 |
| Cost of funding earning assets | 0.5224% | 4,022 |
| Net interest margin | 3.1343% | 4,476 |
| Noninterest income to average assets | 0.5674% | 2,301 |
| Noninterest expense to average assets | 2.4998% | 3,480 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.8742% | 3,387 |
| Return on assets (ROA) | 0.8742% | 3,450 |
| Pretax return on assets | 0.8742% | 3,924 |
| Return on Equity (ROE) | 3.2743% | 4,731 |
| Retained earnings to average equity (ytd only) | -3.5041% | 4,993 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0909% | 1,632 |
| Assets per employee ($millions) | 5.0368% | 2,433 |
| Cash dividends to net income (ytd only)* | 207.0175% | 75 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5078% | 220 |
| Loan loss allowance to noncurrent loans | 1,713.3333% | 387 |
| Noncurrent assets plus other real estate owned to assets | 0.0596% | 4,458 |
| Noncurrent loans to loans | 0.1464% | 4,032 |
| Net loans and leases to total assets | 39.6720% | 4,854 |
| Net loans and leases to deposits | 55.0529% | 4,628 |
| Net loans and leases to core deposits | 59.3078% | 4,598 |
| Total domestic deposits to total assets | 72.0616% | 4,971 |
| Equity capital to assets | 27.6406% | 92 |
| Core capital (leverage) ratio | 27.0504% | 97 |
| Tier 1 risk-based capital ratio | 71.1969% | 65 |
| Total risk-based capital ratio | 72.4595% | 64 |
| Memoranda: | ||
| Average total assets | $26,082,330 | 5,188 |
| Average earning assets | $23,354,670 | 5,182 |
| Average equity | $6,963,330 | 4,732 |
| Average total loans | $10,099,330 | 5,179 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6780% | 4,876 |
| Cost of funding earning assets | 0.5328% | 3,905 |
| Net interest margin | 3.1452% | 4,505 |
| Noninterest income to average assets | 0.1658% | 4,744 |
| Noninterest expense to average assets | 2.4122% | 3,741 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.5126% | 4,482 |
| Return on assets (ROA) | 0.5126% | 4,504 |
| Pretax return on assets | 0.5126% | 4,654 |
| Return on Equity (ROE) | 1.9528% | 4,974 |
| Retained earnings to average equity (ytd only) | -11.6017% | 5,149 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.4742% | 831 |
| Assets per employee ($millions) | 5.2686% | 2,203 |
| Cash dividends to net income (ytd only)* | 694.1176% | 30 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5866% | 222 |
| Loan loss allowance to noncurrent loans | 1,976.9231% | 330 |
| Noncurrent assets plus other real estate owned to assets | 0.0493% | 4,582 |
| Noncurrent loans to loans | 0.1308% | 4,151 |
| Net loans and leases to total assets | 36.7422% | 4,993 |
| Net loans and leases to deposits | 50.4062% | 4,802 |
| Net loans and leases to core deposits | 54.0726% | 4,783 |
| Total domestic deposits to total assets | 72.8922% | 5,006 |
| Equity capital to assets | 26.0601% | 104 |
| Core capital (leverage) ratio | 25.8269% | 102 |
| Tier 1 risk-based capital ratio | 69.2315% | 65 |
| Total risk-based capital ratio | 70.4938% | 65 |
| Memoranda: | ||
| Average total assets | $26,531,500 | 5,237 |
| Average earning assets | $23,273,500 | 5,237 |
| Average equity | $6,964,500 | 4,762 |
| Average total loans | $10,025,000 | 5,243 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0305% | 5,217 |
| Cost of funding earning assets | 0.3089% | 4,525 |
| Net interest margin | 2.7216% | 5,082 |
| Noninterest income to average assets | 0.5973% | 2,307 |
| Noninterest expense to average assets | 1.8462% | 4,958 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.2706% | 1,913 |
| Return on assets (ROA) | 1.2706% | 1,912 |
| Pretax return on assets | 1.2706% | 2,613 |
| Return on Equity (ROE) | 5.0611% | 4,440 |
| Retained earnings to average equity (ytd only) | 1.6582% | 4,480 |
| Net charge-offs to loans | 0.0203% | 3,024 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 175.5000% | 499 |
| Efficiency ratio | 59.2334% | 3,979 |
| Assets per employee ($millions) | 5.3440% | 2,111 |
| Cash dividends to net income (ytd only)* | 67.2365% | 1,194 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5410% | 221 |
| Loan loss allowance to noncurrent loans | 12,850.0000% | 69 |
| Noncurrent assets plus other real estate owned to assets | 0.0075% | 4,876 |
| Noncurrent loans to loans | 0.0198% | 4,702 |
| Net loans and leases to total assets | 36.8900% | 5,048 |
| Net loans and leases to deposits | 50.1833% | 4,877 |
| Net loans and leases to core deposits | 53.7459% | 4,855 |
| Total domestic deposits to total assets | 73.5105% | 4,974 |
| Equity capital to assets | 26.4371% | 96 |
| Core capital (leverage) ratio | 25.8640% | 98 |
| Tier 1 risk-based capital ratio | 67.2928% | 71 |
| Total risk-based capital ratio | 68.5515% | 71 |
| Memoranda: | ||
| Average total assets | $27,625,000 | 5,272 |
| Average earning assets | $25,573,200 | 5,253 |
| Average equity | $6,935,200 | 4,755 |
| Average total loans | $9,865,600 | 5,292 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9138% | 5,324 |
| Cost of funding earning assets | 0.2635% | 4,713 |
| Net interest margin | 2.6503% | 5,194 |
| Noninterest income to average assets | 0.6463% | 2,092 |
| Noninterest expense to average assets | 1.8957% | 4,909 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.2542% | 2,029 |
| Return on assets (ROA) | 1.2542% | 2,036 |
| Pretax return on assets | 1.2542% | 2,796 |
| Return on Equity (ROE) | 5.0604% | 4,540 |
| Retained earnings to average equity (ytd only) | 0.5022% | 4,951 |
| Net charge-offs to loans | 0.0272% | 2,563 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 130.8315% | 620 |
| Efficiency ratio | 60.1824% | 3,795 |
| Assets per employee ($millions) | 5.3610% | 2,068 |
| Cash dividends to net income (ytd only)* | 90.0779% | 383 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5504% | 225 |
| Loan loss allowance to noncurrent loans | 12,850.0000% | 66 |
| Noncurrent assets plus other real estate owned to assets | 0.0075% | 4,982 |
| Noncurrent loans to loans | 0.0198% | 4,820 |
| Net loans and leases to total assets | 36.6350% | 5,118 |
| Net loans and leases to deposits | 49.6587% | 4,960 |
| Net loans and leases to core deposits | 53.1270% | 4,934 |
| Total domestic deposits to total assets | 73.7735% | 5,000 |
| Equity capital to assets | 25.9616% | 99 |
| Core capital (leverage) ratio | 25.7359% | 100 |
| Tier 1 risk-based capital ratio | 65.7917% | 74 |
| Total risk-based capital ratio | 67.0475% | 73 |
| Memoranda: | ||
| Average total assets | $27,851,250 | 5,337 |
| Average earning assets | $26,310,750 | 5,314 |
| Average equity | $6,903,000 | 4,813 |
| Average total loans | $9,803,500 | 5,361 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7974% | 5,404 |
| Cost of funding earning assets | 0.2429% | 4,784 |
| Net interest margin | 2.5545% | 5,301 |
| Noninterest income to average assets | 0.7872% | 1,510 |
| Noninterest expense to average assets | 1.8369% | 5,051 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.4113% | 1,394 |
| Return on assets (ROA) | 1.4113% | 1,396 |
| Pretax return on assets | 1.4113% | 2,104 |
| Return on Equity (ROE) | 5.7812% | 4,316 |
| Retained earnings to average equity (ytd only) | -1.0749% | 5,077 |
| Net charge-offs to loans | 0.0412% | 2,036 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 99.5000% | 699 |
| Efficiency ratio | 56.5502% | 4,409 |
| Assets per employee ($millions) | 5.4406% | 1,955 |
| Cash dividends to net income (ytd only)* | 118.5930% | 254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6574% | 204 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 34.6065% | 5,220 |
| Net loans and leases to deposits | 46.4682% | 5,082 |
| Net loans and leases to core deposits | 49.6310% | 5,049 |
| Total domestic deposits to total assets | 74.4734% | 5,004 |
| Equity capital to assets | 25.3281% | 107 |
| Core capital (leverage) ratio | 24.7526% | 110 |
| Tier 1 risk-based capital ratio | 70.1555% | 67 |
| Total risk-based capital ratio | 71.4155% | 66 |
| Memoranda: | ||
| Average total assets | $28,200,000 | 5,396 |
| Average earning assets | $27,168,000 | 5,368 |
| Average equity | $6,884,330 | 4,863 |
| Average total loans | $9,712,330 | 5,422 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7557% | 5,467 |
| Cost of funding earning assets | 0.2164% | 4,919 |
| Net interest margin | 2.5393% | 5,363 |
| Noninterest income to average assets | 1.2544% | 591 |
| Noninterest expense to average assets | 1.9931% | 4,863 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.7144% | 669 |
| Return on assets (ROA) | 1.7144% | 678 |
| Pretax return on assets | 1.7144% | 1,080 |
| Return on Equity (ROE) | 7.1496% | 3,727 |
| Retained earnings to average equity (ytd only) | -6.5683% | 5,269 |
| Net charge-offs to loans | 0.0822% | 1,312 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 61.5000% | 831 |
| Efficiency ratio | 53.7594% | 4,821 |
| Assets per employee ($millions) | 5.7090% | 1,754 |
| Cash dividends to net income (ytd only)* | 191.8699% | 202 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8020% | 190 |
| Loan loss allowance to noncurrent loans | 12,850.0000% | 72 |
| Noncurrent assets plus other real estate owned to assets | 0.0070% | 5,095 |
| Noncurrent loans to loans | 0.0218% | 4,882 |
| Net loans and leases to total assets | 31.2314% | 5,341 |
| Net loans and leases to deposits | 41.0943% | 5,245 |
| Net loans and leases to core deposits | 43.6946% | 5,219 |
| Total domestic deposits to total assets | 75.9993% | 4,962 |
| Equity capital to assets | 23.8851% | 123 |
| Core capital (leverage) ratio | 23.6921% | 126 |
| Tier 1 risk-based capital ratio | 69.5630% | 62 |
| Total risk-based capital ratio | 70.8261% | 62 |
| Memoranda: | ||
| Average total assets | $28,698,500 | 5,452 |
| Average earning assets | $27,724,500 | 5,420 |
| Average equity | $6,881,500 | 4,912 |
| Average total loans | $9,733,000 | 5,481 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5360% | 5,545 |
| Cost of funding earning assets | 0.1861% | 5,056 |
| Net interest margin | 2.3499% | 5,487 |
| Noninterest income to average assets | 0.3457% | 3,992 |
| Noninterest expense to average assets | 1.6423% | 5,378 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.9301% | 2,547 |
| Return on assets (ROA) | 0.9301% | 2,577 |
| Pretax return on assets | 0.9301% | 3,812 |
| Return on Equity (ROE) | 3.9412% | 4,518 |
| Retained earnings to average equity (ytd only) | 2.2123% | 3,999 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8441% | 3,624 |
| Assets per employee ($millions) | 5.7704% | 1,685 |
| Cash dividends to net income (ytd only)* | 43.8662% | 2,659 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5160% | 239 |
| Loan loss allowance to noncurrent loans | 8,633.3333% | 110 |
| Noncurrent assets plus other real estate owned to assets | 0.0104% | 5,115 |
| Noncurrent loans to loans | 0.0291% | 4,879 |
| Net loans and leases to total assets | 34.7810% | 5,322 |
| Net loans and leases to deposits | 45.8324% | 5,197 |
| Net loans and leases to core deposits | 48.7041% | 5,171 |
| Total domestic deposits to total assets | 75.8873% | 4,987 |
| Equity capital to assets | 24.0711% | 112 |
| Core capital (leverage) ratio | 24.2600% | 108 |
| Tier 1 risk-based capital ratio | 63.3048% | 74 |
| Total risk-based capital ratio | 64.5632% | 74 |
| Memoranda: | ||
| Average total assets | $28,922,800 | 5,504 |
| Average earning assets | $27,405,000 | 5,480 |
| Average equity | $6,825,400 | 4,969 |
| Average total loans | $9,855,800 | 5,542 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4887% | 5,618 |
| Cost of funding earning assets | 0.1809% | 5,134 |
| Net interest margin | 2.3078% | 5,567 |
| Noninterest income to average assets | 0.3547% | 4,000 |
| Noninterest expense to average assets | 1.7691% | 5,305 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.7601% | 3,694 |
| Return on assets (ROA) | 0.7601% | 3,752 |
| Pretax return on assets | 0.7601% | 4,451 |
| Return on Equity (ROE) | 3.2373% | 5,054 |
| Retained earnings to average equity (ytd only) | 0.9222% | 4,999 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9454% | 2,546 |
| Assets per employee ($millions) | 5.6226% | 1,809 |
| Cash dividends to net income (ytd only)* | 71.5169% | 905 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5651% | 248 |
| Loan loss allowance to noncurrent loans | 8,633.3333% | 102 |
| Noncurrent assets plus other real estate owned to assets | 0.0107% | 5,208 |
| Noncurrent loans to loans | 0.0297% | 4,992 |
| Net loans and leases to total assets | 34.9945% | 5,384 |
| Net loans and leases to deposits | 46.4341% | 5,239 |
| Net loans and leases to core deposits | 49.4347% | 5,216 |
| Total domestic deposits to total assets | 75.3637% | 5,089 |
| Equity capital to assets | 24.3909% | 115 |
| Core capital (leverage) ratio | 24.0377% | 113 |
| Tier 1 risk-based capital ratio | 63.5207% | 78 |
| Total risk-based capital ratio | 64.7840% | 77 |
| Memoranda: | ||
| Average total assets | $28,940,500 | 5,563 |
| Average earning assets | $27,269,000 | 5,538 |
| Average equity | $6,795,500 | 5,030 |
| Average total loans | $9,746,250 | 5,606 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4046% | 5,681 |
| Cost of funding earning assets | 0.1749% | 5,173 |
| Net interest margin | 2.2298% | 5,641 |
| Noninterest income to average assets | 0.3423% | 4,102 |
| Noninterest expense to average assets | 1.7251% | 5,389 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.7119% | 3,787 |
| Return on assets (ROA) | 0.7119% | 3,857 |
| Pretax return on assets | 0.7119% | 4,518 |
| Return on Equity (ROE) | 3.0701% | 5,096 |
| Retained earnings to average equity (ytd only) | -0.4133% | 5,152 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7865% | 2,536 |
| Assets per employee ($millions) | 5.6738% | 1,725 |
| Cash dividends to net income (ytd only)* | 113.4615% | 342 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6140% | 249 |
| Loan loss allowance to noncurrent loans | 2,877.7778% | 234 |
| Noncurrent assets plus other real estate owned to assets | 0.0317% | 5,141 |
| Noncurrent loans to loans | 0.0908% | 4,762 |
| Net loans and leases to total assets | 34.0125% | 5,444 |
| Net loans and leases to deposits | 44.8061% | 5,314 |
| Net loans and leases to core deposits | 47.6517% | 5,294 |
| Total domestic deposits to total assets | 75.9103% | 5,106 |
| Equity capital to assets | 23.9099% | 117 |
| Core capital (leverage) ratio | 23.7188% | 117 |
| Tier 1 risk-based capital ratio | 63.6304% | 76 |
| Total risk-based capital ratio | 64.8887% | 76 |
| Memoranda: | ||
| Average total assets | $29,216,330 | 5,606 |
| Average earning assets | $27,447,000 | 5,585 |
| Average equity | $6,775,000 | 5,059 |
| Average total loans | $9,629,330 | 5,653 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3083% | 5,766 |
| Cost of funding earning assets | 0.1731% | 5,210 |
| Net interest margin | 2.1352% | 5,729 |
| Noninterest income to average assets | 0.3374% | 4,147 |
| Noninterest expense to average assets | 1.7949% | 5,383 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.5398% | 4,423 |
| Return on assets (ROA) | 0.5398% | 4,467 |
| Pretax return on assets | 0.5398% | 4,869 |
| Return on Equity (ROE) | 2.3630% | 5,265 |
| Retained earnings to average equity (ytd only) | -4.6079% | 5,361 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8786% | 1,774 |
| Assets per employee ($millions) | 5.8556% | 1,609 |
| Cash dividends to net income (ytd only)* | 295.0000% | 108 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7624% | 234 |
| Loan loss allowance to noncurrent loans | 1,295.0000% | 489 |
| Noncurrent assets plus other real estate owned to assets | 0.0683% | 5,002 |
| Noncurrent loans to loans | 0.2133% | 4,343 |
| Net loans and leases to total assets | 31.1394% | 5,560 |
| Net loans and leases to deposits | 40.4894% | 5,457 |
| Net loans and leases to core deposits | 42.9399% | 5,444 |
| Total domestic deposits to total assets | 76.9076% | 5,129 |
| Equity capital to assets | 22.9763% | 132 |
| Core capital (leverage) ratio | 23.1275% | 122 |
| Tier 1 risk-based capital ratio | 63.4499% | 78 |
| Total risk-based capital ratio | 64.7070% | 78 |
| Memoranda: | ||
| Average total assets | $29,640,000 | 5,668 |
| Average earning assets | $27,726,000 | 5,646 |
| Average equity | $6,771,000 | 5,106 |
| Average total loans | $9,490,000 | 5,719 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1067% | 5,833 |
| Cost of funding earning assets | 0.2024% | 4,992 |
| Net interest margin | 1.9042% | 5,821 |
| Noninterest income to average assets | 0.3231% | 4,428 |
| Noninterest expense to average assets | 1.6332% | 5,624 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.4935% | 4,657 |
| Return on assets (ROA) | 0.4935% | 4,733 |
| Pretax return on assets | 0.4935% | 5,038 |
| Return on Equity (ROE) | 2.0614% | 5,391 |
| Retained earnings to average equity (ytd only) | 2.0614% | 4,367 |
| Net charge-offs to loans | 0.0230% | 3,586 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 69.5000% | 800 |
| Efficiency ratio | 76.7947% | 1,880 |
| Assets per employee ($millions) | 6.0004% | 1,485 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6968% | 251 |
| Loan loss allowance to noncurrent loans | 1,233.3333% | 509 |
| Noncurrent assets plus other real estate owned to assets | 0.0700% | 5,051 |
| Noncurrent loans to loans | 0.2187% | 4,366 |
| Net loans and leases to total assets | 31.1479% | 5,619 |
| Net loans and leases to deposits | 40.3254% | 5,540 |
| Net loans and leases to core deposits | 42.6927% | 5,531 |
| Total domestic deposits to total assets | 77.2415% | 5,084 |
| Equity capital to assets | 22.7152% | 133 |
| Core capital (leverage) ratio | 23.6544% | 115 |
| Tier 1 risk-based capital ratio | 58.1137% | 93 |
| Total risk-based capital ratio | 59.3718% | 91 |
| Memoranda: | ||
| Average total assets | $28,165,400 | 5,742 |
| Average earning assets | $26,677,200 | 5,715 |
| Average equity | $6,743,000 | 5,142 |
| Average total loans | $8,707,800 | 5,792 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1009% | 5,899 |
| Cost of funding earning assets | 0.2076% | 4,993 |
| Net interest margin | 1.8933% | 5,885 |
| Noninterest income to average assets | 0.3128% | 4,530 |
| Noninterest expense to average assets | 1.7805% | 5,534 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.3321% | 5,211 |
| Return on assets (ROA) | 0.3321% | 5,288 |
| Pretax return on assets | 0.3321% | 5,409 |
| Return on Equity (ROE) | 1.3680% | 5,584 |
| Retained earnings to average equity (ytd only) | 1.3680% | 4,961 |
| Net charge-offs to loans | 0.0315% | 3,019 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 34.4569% | 1,359 |
| Efficiency ratio | 84.2825% | 976 |
| Assets per employee ($millions) | 5.4976% | 1,852 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9358% | 203 |
| Loan loss allowance to noncurrent loans | 1,233.3333% | 482 |
| Noncurrent assets plus other real estate owned to assets | 0.0764% | 5,132 |
| Noncurrent loans to loans | 0.2380% | 4,419 |
| Net loans and leases to total assets | 31.1518% | 5,693 |
| Net loans and leases to deposits | 41.4452% | 5,597 |
| Net loans and leases to core deposits | 44.1870% | 5,576 |
| Total domestic deposits to total assets | 75.1637% | 5,323 |
| Equity capital to assets | 24.5962% | 114 |
| Core capital (leverage) ratio | 24.0343% | 113 |
| Tier 1 risk-based capital ratio | 72.5154% | 60 |
| Total risk-based capital ratio | 73.7779% | 61 |
| Memoranda: | ||
| Average total assets | $27,706,250 | 5,809 |
| Average earning assets | $26,337,500 | 5,781 |
| Average equity | $6,725,000 | 5,199 |
| Average total loans | $8,483,750 | 5,862 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0662% | 5,986 |
| Cost of funding earning assets | 0.2051% | 5,088 |
| Net interest margin | 1.8611% | 5,975 |
| Noninterest income to average assets | 0.3240% | 4,466 |
| Noninterest expense to average assets | 1.7423% | 5,652 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.3456% | 5,193 |
| Return on assets (ROA) | 0.3456% | 5,274 |
| Pretax return on assets | 0.3456% | 5,426 |
| Return on Equity (ROE) | 1.4301% | 5,622 |
| Retained earnings to average equity (ytd only) | 1.4301% | 4,802 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.4483% | 1,097 |
| Assets per employee ($millions) | 5.5088% | 1,794 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0317% | 188 |
| Loan loss allowance to noncurrent loans | 1,186.3636% | 512 |
| Noncurrent assets plus other real estate owned to assets | 0.0799% | 5,206 |
| Noncurrent loans to loans | 0.2555% | 4,438 |
| Net loans and leases to total assets | 30.3079% | 5,775 |
| Net loans and leases to deposits | 40.2430% | 5,681 |
| Net loans and leases to core deposits | 42.8850% | 5,651 |
| Total domestic deposits to total assets | 75.3122% | 5,374 |
| Equity capital to assets | 24.4954% | 106 |
| Core capital (leverage) ratio | 23.6957% | 108 |
| Tier 1 risk-based capital ratio | 73.1172% | 63 |
| Total risk-based capital ratio | 74.3833% | 62 |
| Memoranda: | ||
| Average total assets | $27,779,000 | 5,885 |
| Average earning assets | $26,329,000 | 5,853 |
| Average equity | $6,713,000 | 5,243 |
| Average total loans | $8,371,000 | 5,938 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0769% | 6,051 |
| Cost of funding earning assets | 0.2138% | 5,065 |
| Net interest margin | 1.8631% | 6,034 |
| Noninterest income to average assets | 0.3728% | 4,054 |
| Noninterest expense to average assets | 1.8354% | 5,606 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.2868% | 5,338 |
| Return on assets (ROA) | 0.2868% | 5,419 |
| Pretax return on assets | 0.2868% | 5,533 |
| Return on Equity (ROE) | 1.1947% | 5,662 |
| Retained earnings to average equity (ytd only) | 1.1947% | 4,770 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.4865% | 934 |
| Assets per employee ($millions) | 5.6614% | 1,697 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2190% | 179 |
| Loan loss allowance to noncurrent loans | 13,050.0000% | 66 |
| Noncurrent assets plus other real estate owned to assets | 0.0071% | 5,649 |
| Noncurrent loans to loans | 0.0247% | 5,397 |
| Net loans and leases to total assets | 27.7211% | 5,881 |
| Net loans and leases to deposits | 36.4012% | 5,817 |
| Net loans and leases to core deposits | 38.6952% | 5,801 |
| Total domestic deposits to total assets | 76.1543% | 5,393 |
| Equity capital to assets | 23.7220% | 113 |
| Core capital (leverage) ratio | 23.7563% | 110 |
| Tier 1 risk-based capital ratio | 74.3701% | 59 |
| Total risk-based capital ratio | 75.6299% | 59 |
| Memoranda: | ||
| Average total assets | $27,896,500 | 5,945 |
| Average earning assets | $26,193,000 | 5,913 |
| Average equity | $6,696,000 | 5,285 |
| Average total loans | $8,252,000 | 5,998 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0291% | 6,096 |
| Cost of funding earning assets | 0.2199% | 5,095 |
| Net interest margin | 1.8092% | 6,078 |
| Noninterest income to average assets | 0.3115% | 4,664 |
| Noninterest expense to average assets | 1.6676% | 5,871 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.3628% | 5,168 |
| Return on assets (ROA) | 0.3628% | 5,252 |
| Pretax return on assets | 0.3628% | 5,401 |
| Return on Equity (ROE) | 1.4890% | 5,688 |
| Retained earnings to average equity (ytd only) | 0.1354% | 5,452 |
| Net charge-offs to loans | 0.0119% | 4,066 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 99.0000% | 580 |
| Efficiency ratio | 82.1300% | 1,395 |
| Assets per employee ($millions) | 5.4972% | 1,807 |
| Cash dividends to net income (ytd only)* | 90.9091% | 587 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1086% | 200 |
| Loan loss allowance to noncurrent loans | 2,372.7273% | 284 |
| Noncurrent assets plus other real estate owned to assets | 0.0400% | 5,520 |
| Noncurrent loans to loans | 0.1310% | 4,966 |
| Net loans and leases to total assets | 29.5969% | 5,903 |
| Net loans and leases to deposits | 39.1200% | 5,804 |
| Net loans and leases to core deposits | 41.6816% | 5,770 |
| Total domestic deposits to total assets | 75.6567% | 5,484 |
| Equity capital to assets | 24.2924% | 106 |
| Core capital (leverage) ratio | 24.4838% | 95 |
| Tier 1 risk-based capital ratio | 73.0828% | 63 |
| Total risk-based capital ratio | 74.3463% | 61 |
| Memoranda: | ||
| Average total assets | $27,284,800 | 5,998 |
| Average earning assets | $25,922,600 | 5,969 |
| Average equity | $6,648,800 | 5,313 |
| Average total loans | $8,393,600 | 6,049 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9862% | 6,191 |
| Cost of funding earning assets | 0.2213% | 5,169 |
| Net interest margin | 1.7649% | 6,174 |
| Noninterest income to average assets | 0.3329% | 4,559 |
| Noninterest expense to average assets | 1.7477% | 5,852 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.2644% | 5,546 |
| Return on assets (ROA) | 0.2644% | 5,626 |
| Pretax return on assets | 0.2644% | 5,697 |
| Return on Equity (ROE) | 1.0841% | 5,842 |
| Retained earnings to average equity (ytd only) | -0.7227% | 5,723 |
| Net charge-offs to loans | 0.0158% | 3,638 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 54.1353% | 993 |
| Efficiency ratio | 86.8613% | 945 |
| Assets per employee ($millions) | 5.3462% | 1,915 |
| Cash dividends to net income (ytd only)* | 166.6667% | 103 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1783% | 202 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 29.7445% | 5,980 |
| Net loans and leases to deposits | 39.7610% | 5,874 |
| Net loans and leases to core deposits | 41.9091% | 5,857 |
| Total domestic deposits to total assets | 74.8083% | 5,636 |
| Equity capital to assets | 24.9299% | 98 |
| Core capital (leverage) ratio | 24.7601% | 92 |
| Tier 1 risk-based capital ratio | 73.7524% | 66 |
| Total risk-based capital ratio | 75.0140% | 65 |
| Memoranda: | ||
| Average total assets | $27,234,500 | 6,083 |
| Average earning assets | $25,911,250 | 6,051 |
| Average equity | $6,641,750 | 5,381 |
| Average total loans | $8,393,000 | 6,132 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9548% | 6,267 |
| Cost of funding earning assets | 0.2223% | 5,232 |
| Net interest margin | 1.7325% | 6,253 |
| Noninterest income to average assets | 0.3138% | 4,709 |
| Noninterest expense to average assets | 1.7079% | 5,960 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.2555% | 5,565 |
| Return on assets (ROA) | 0.2555% | 5,647 |
| Pretax return on assets | 0.2555% | 5,732 |
| Return on Equity (ROE) | 1.0551% | 5,896 |
| Retained earnings to average equity (ytd only) | -1.6580% | 5,794 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.9888% | 982 |
| Assets per employee ($millions) | 5.2738% | 1,957 |
| Cash dividends to net income (ytd only)* | 257.1429% | 64 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2155% | 216 |
| Loan loss allowance to noncurrent loans | 5,220.0000% | 126 |
| Noncurrent assets plus other real estate owned to assets | 0.0190% | 5,821 |
| Noncurrent loans to loans | 0.0616% | 5,486 |
| Net loans and leases to total assets | 29.7926% | 6,044 |
| Net loans and leases to deposits | 39.9248% | 5,902 |
| Net loans and leases to core deposits | 42.3299% | 5,888 |
| Total domestic deposits to total assets | 74.6217% | 5,736 |
| Equity capital to assets | 25.1773% | 93 |
| Core capital (leverage) ratio | 24.0157% | 103 |
| Tier 1 risk-based capital ratio | 75.6893% | 61 |
| Total risk-based capital ratio | 76.9531% | 61 |
| Memoranda: | ||
| Average total assets | $27,402,330 | 6,152 |
| Average earning assets | $26,089,000 | 6,113 |
| Average equity | $6,634,330 | 5,425 |
| Average total loans | $8,453,330 | 6,202 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9385% | 6,340 |
| Cost of funding earning assets | 0.2104% | 5,415 |
| Net interest margin | 1.7282% | 6,322 |
| Noninterest income to average assets | 0.2865% | 4,877 |
| Noninterest expense to average assets | 1.8052% | 5,891 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.1289% | 5,830 |
| Return on assets (ROA) | 0.1289% | 5,892 |
| Pretax return on assets | 0.1289% | 5,922 |
| Return on Equity (ROE) | 0.5428% | 5,981 |
| Retained earnings to average equity (ytd only) | -4.8854% | 5,929 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.3333% | 627 |
| Assets per employee ($millions) | 5.6488% | 1,669 |
| Cash dividends to net income (ytd only)* | 1,000.0000% | 9 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2434% | 227 |
| Loan loss allowance to noncurrent loans | 8,733.3333% | 76 |
| Noncurrent assets plus other real estate owned to assets | 0.0106% | 5,914 |
| Noncurrent loans to loans | 0.0371% | 5,638 |
| Net loans and leases to total assets | 27.6731% | 6,142 |
| Net loans and leases to deposits | 36.3400% | 6,046 |
| Net loans and leases to core deposits | 38.3269% | 6,030 |
| Total domestic deposits to total assets | 76.1507% | 5,724 |
| Equity capital to assets | 23.4032% | 118 |
| Core capital (leverage) ratio | 23.5467% | 107 |
| Tier 1 risk-based capital ratio | 74.5343% | 73 |
| Total risk-based capital ratio | 75.7951% | 73 |
| Memoranda: | ||
| Average total assets | $27,919,000 | 6,211 |
| Average earning assets | $26,618,000 | 6,173 |
| Average equity | $6,632,000 | 5,474 |
| Average total loans | $8,621,500 | 6,265 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0997% | 6,411 |
| Cost of funding earning assets | 0.2461% | 5,367 |
| Net interest margin | 1.8536% | 6,395 |
| Noninterest income to average assets | 0.2533% | 5,317 |
| Noninterest expense to average assets | 1.6926% | 6,160 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.3304% | 5,441 |
| Return on assets (ROA) | 0.3304% | 5,506 |
| Pretax return on assets | 0.3304% | 5,643 |
| Return on Equity (ROE) | 1.3591% | 5,920 |
| Retained earnings to average equity (ytd only) | -0.8909% | 5,906 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.6661% | 1,454 |
| Assets per employee ($millions) | 5.5188% | 1,754 |
| Cash dividends to net income (ytd only)* | 165.5556% | 121 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8587% | 350 |
| Loan loss allowance to noncurrent loans | 524.0000% | 1,032 |
| Noncurrent assets plus other real estate owned to assets | 0.1812% | 5,303 |
| Noncurrent loans to loans | 0.5456% | 4,024 |
| Net loans and leases to total assets | 32.2643% | 6,108 |
| Net loans and leases to deposits | 42.5533% | 5,947 |
| Net loans and leases to core deposits | 44.9488% | 5,929 |
| Total domestic deposits to total assets | 75.8208% | 5,757 |
| Equity capital to assets | 24.1139% | 109 |
| Core capital (leverage) ratio | 24.1003% | 99 |
| Tier 1 risk-based capital ratio | 67.9660% | 71 |
| Total risk-based capital ratio | 69.2347% | 71 |
| Memoranda: | ||
| Average total assets | $27,236,200 | 6,306 |
| Average earning assets | $26,003,400 | 6,264 |
| Average equity | $6,622,200 | 5,501 |
| Average total loans | $8,941,000 | 6,342 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0900% | 6,494 |
| Cost of funding earning assets | 0.2471% | 5,437 |
| Net interest margin | 1.8429% | 6,476 |
| Noninterest income to average assets | 0.2259% | 5,579 |
| Noninterest expense to average assets | 1.8025% | 6,084 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.1817% | 5,881 |
| Return on assets (ROA) | 0.1817% | 5,925 |
| Pretax return on assets | 0.1817% | 5,969 |
| Return on Equity (ROE) | 0.7458% | 6,069 |
| Retained earnings to average equity (ytd only) | -2.2577% | 6,093 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.8416% | 782 |
| Assets per employee ($millions) | 5.4326% | 1,786 |
| Cash dividends to net income (ytd only)* | 402.7164% | 24 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0896% | 324 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 30.2544% | 6,239 |
| Net loans and leases to deposits | 40.1074% | 6,113 |
| Net loans and leases to core deposits | 42.4133% | 6,106 |
| Total domestic deposits to total assets | 75.4335% | 5,879 |
| Equity capital to assets | 24.3014% | 106 |
| Core capital (leverage) ratio | 23.8542% | 106 |
| Tier 1 risk-based capital ratio | 73.7107% | 66 |
| Total risk-based capital ratio | 74.9860% | 66 |
| Memoranda: | ||
| Average total assets | $27,146,750 | 6,386 |
| Average earning assets | $25,901,000 | 6,343 |
| Average equity | $6,614,250 | 5,553 |
| Average total loans | $8,885,000 | 6,417 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1233% | 6,561 |
| Cost of funding earning assets | 0.2489% | 5,500 |
| Net interest margin | 1.8744% | 6,541 |
| Noninterest income to average assets | 0.1695% | 5,938 |
| Noninterest expense to average assets | 1.8054% | 6,142 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.1400% | 5,969 |
| Return on assets (ROA) | 0.1400% | 6,006 |
| Pretax return on assets | 0.1400% | 6,043 |
| Return on Equity (ROE) | 0.5741% | 6,136 |
| Retained earnings to average equity (ytd only) | -3.9283% | 6,169 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.8030% | 714 |
| Assets per employee ($millions) | 5.4804% | 1,712 |
| Cash dividends to net income (ytd only)* | 784.2105% | 16 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0933% | 344 |
| Loan loss allowance to noncurrent loans | 391.0448% | 1,187 |
| Noncurrent assets plus other real estate owned to assets | 0.2445% | 5,362 |
| Noncurrent loans to loans | 0.7910% | 3,716 |
| Net loans and leases to total assets | 29.9540% | 6,307 |
| Net loans and leases to deposits | 39.5433% | 6,172 |
| Net loans and leases to core deposits | 41.7859% | 6,158 |
| Total domestic deposits to total assets | 75.7499% | 5,943 |
| Equity capital to assets | 24.0493% | 108 |
| Core capital (leverage) ratio | 23.8928% | 99 |
| Tier 1 risk-based capital ratio | 73.4600% | 65 |
| Total risk-based capital ratio | 74.7345% | 64 |
| Memoranda: | ||
| Average total assets | $27,141,330 | 6,447 |
| Average earning assets | $25,714,330 | 6,402 |
| Average equity | $6,618,670 | 5,580 |
| Average total loans | $9,020,000 | 6,474 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1681% | 6,627 |
| Cost of funding earning assets | 0.2514% | 5,566 |
| Net interest margin | 1.9168% | 6,613 |
| Noninterest income to average assets | 0.0296% | 6,538 |
| Noninterest expense to average assets | 1.9251% | 6,023 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -0.0889% | 6,277 |
| Return on assets (ROA) | -0.0889% | 6,288 |
| Pretax return on assets | -0.0889% | 6,282 |
| Return on Equity (ROE) | -0.3618% | 6,249 |
| Retained earnings to average equity (ytd only) | -9.3472% | 6,338 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.0323% | 371 |
| Assets per employee ($millions) | 5.4118% | 1,793 |
| Cash dividends to net income (ytd only)* | -2,483.3333% | 6,723 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8810% | 493 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 32.6398% | 6,239 |
| Net loans and leases to deposits | 43.4688% | 6,000 |
| Net loans and leases to core deposits | 45.9904% | 5,993 |
| Total domestic deposits to total assets | 75.0878% | 6,148 |
| Equity capital to assets | 24.2322% | 104 |
| Core capital (leverage) ratio | 24.2823% | 101 |
| Tier 1 risk-based capital ratio | 65.6868% | 79 |
| Total risk-based capital ratio | 66.9509% | 79 |
| Memoranda: | ||
| Average total assets | $27,011,000 | 6,516 |
| Average earning assets | $25,459,500 | 6,470 |
| Average equity | $6,633,000 | 5,611 |
| Average total loans | $9,295,000 | 6,540 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4080% | 6,645 |
| Cost of funding earning assets | 0.2920% | 5,658 |
| Net interest margin | 2.1160% | 6,611 |
| Noninterest income to average assets | 0.3470% | 4,843 |
| Noninterest expense to average assets | 1.8668% | 6,232 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.4752% | 4,840 |
| Return on assets (ROA) | 0.5657% | 4,539 |
| Pretax return on assets | 0.5657% | 4,989 |
| Return on Equity (ROE) | 2.2315% | 5,757 |
| Retained earnings to average equity (ytd only) | 0.5951% | 5,570 |
| Net charge-offs to loans | 0.0205% | 5,025 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 63.0000% | 661 |
| Efficiency ratio | 79.7101% | 2,200 |
| Assets per employee ($millions) | 4.4938% | 2,910 |
| Cash dividends to net income (ytd only)* | 73.3333% | 1,176 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7591% | 633 |
| Loan loss allowance to noncurrent loans | 3,742.8571% | 173 |
| Noncurrent assets plus other real estate owned to assets | 0.7343% | 4,046 |
| Noncurrent loans to loans | 0.0737% | 5,995 |
| Net loans and leases to total assets | 34.2469% | 6,285 |
| Net loans and leases to deposits | 45.6361% | 6,037 |
| Net loans and leases to core deposits | 48.2874% | 6,016 |
| Total domestic deposits to total assets | 75.0436% | 6,192 |
| Equity capital to assets | 24.8822% | 96 |
| Core capital (leverage) ratio | 25.3586% | 85 |
| Tier 1 risk-based capital ratio | 63.3006% | 80 |
| Total risk-based capital ratio | 64.5664% | 80 |
| Memoranda: | ||
| Average total assets | $26,515,800 | 6,596 |
| Average earning assets | $24,999,600 | 6,548 |
| Average equity | $6,722,000 | 5,637 |
| Average total loans | $9,771,000 | 6,603 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4409% | 6,717 |
| Cost of funding earning assets | 0.2984% | 5,753 |
| Net interest margin | 2.1425% | 6,679 |
| Noninterest income to average assets | 0.3535% | 4,870 |
| Noninterest expense to average assets | 1.8633% | 6,236 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.5201% | 4,718 |
| Return on assets (ROA) | 0.6413% | 4,285 |
| Pretax return on assets | 0.6413% | 4,882 |
| Return on Equity (ROE) | 2.5178% | 5,776 |
| Retained earnings to average equity (ytd only) | 0.3371% | 5,832 |
| Net charge-offs to loans | 0.0271% | 4,581 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 51.4345% | 850 |
| Efficiency ratio | 78.1780% | 2,393 |
| Assets per employee ($millions) | 5.1646% | 1,971 |
| Cash dividends to net income (ytd only)* | 86.6119% | 635 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8015% | 672 |
| Loan loss allowance to noncurrent loans | 4,366.6667% | 149 |
| Noncurrent assets plus other real estate owned to assets | 0.7474% | 4,237 |
| Noncurrent loans to loans | 0.0642% | 6,147 |
| Net loans and leases to total assets | 35.2012% | 6,318 |
| Net loans and leases to deposits | 47.6715% | 5,984 |
| Net loans and leases to core deposits | 50.6181% | 5,979 |
| Total domestic deposits to total assets | 73.8411% | 6,382 |
| Equity capital to assets | 25.8684% | 83 |
| Core capital (leverage) ratio | 25.4244% | 82 |
| Tier 1 risk-based capital ratio | 64.3635% | 80 |
| Total risk-based capital ratio | 65.6259% | 80 |
| Memoranda: | ||
| Average total assets | $26,404,000 | 6,673 |
| Average earning assets | $25,017,500 | 6,625 |
| Average equity | $6,725,250 | 5,708 |
| Average total loans | $9,839,750 | 6,676 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4110% | 6,763 |
| Cost of funding earning assets | 0.3093% | 5,753 |
| Net interest margin | 2.1017% | 6,734 |
| Noninterest income to average assets | 0.3534% | 4,860 |
| Noninterest expense to average assets | 1.8047% | 6,369 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.5414% | 4,599 |
| Return on assets (ROA) | 0.5414% | 4,767 |
| Pretax return on assets | 0.5414% | 5,233 |
| Return on Equity (ROE) | 2.1364% | 5,909 |
| Retained earnings to average equity (ytd only) | -1.1275% | 6,070 |
| Net charge-offs to loans | 0.0400% | 4,117 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 36.0000% | 1,000 |
| Efficiency ratio | 76.9231% | 2,639 |
| Assets per employee ($millions) | 5.3006% | 1,792 |
| Cash dividends to net income (ytd only)* | 152.7778% | 197 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5588% | 919 |
| Loan loss allowance to noncurrent loans | 26,200.0000% | 38 |
| Noncurrent assets plus other real estate owned to assets | 0.7018% | 4,467 |
| Noncurrent loans to loans | 0.0098% | 6,409 |
| Net loans and leases to total assets | 37.6448% | 6,199 |
| Net loans and leases to deposits | 50.5344% | 5,798 |
| Net loans and leases to core deposits | 53.5448% | 5,789 |
| Total domestic deposits to total assets | 74.4935% | 6,403 |
| Equity capital to assets | 25.2802% | 87 |
| Core capital (leverage) ratio | 24.7487% | 86 |
| Tier 1 risk-based capital ratio | 43.4817% | 186 |
| Total risk-based capital ratio | 44.7355% | 183 |
| Memoranda: | ||
| Average total assets | $26,597,670 | 6,719 |
| Average earning assets | $25,217,670 | 6,674 |
| Average equity | $6,740,330 | 5,749 |
| Average total loans | $10,002,330 | 6,707 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2499% | 6,883 |
| Cost of funding earning assets | 0.3169% | 5,826 |
| Net interest margin | 1.9330% | 6,867 |
| Noninterest income to average assets | 0.3153% | 5,173 |
| Noninterest expense to average assets | 1.8615% | 6,346 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.2852% | 5,611 |
| Return on assets (ROA) | 0.2852% | 5,731 |
| Pretax return on assets | 0.2852% | 5,886 |
| Return on Equity (ROE) | 1.1242% | 6,190 |
| Retained earnings to average equity (ytd only) | 1.1242% | 5,402 |
| Net charge-offs to loans | 0.0809% | 3,030 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 9.5000% | 1,824 |
| Efficiency ratio | 86.7133% | 1,439 |
| Assets per employee ($millions) | 5.2680% | 1,905 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7412% | 869 |
| Loan loss allowance to noncurrent loans | 27.8723% | 6,098 |
| Noncurrent assets plus other real estate owned to assets | 4.2711% | 891 |
| Noncurrent loans to loans | 9.8347% | 218 |
| Net loans and leases to total assets | 35.2923% | 6,348 |
| Net loans and leases to deposits | 47.5888% | 5,953 |
| Net loans and leases to core deposits | 50.4532% | 5,940 |
| Total domestic deposits to total assets | 74.1610% | 6,526 |
| Equity capital to assets | 25.6644% | 88 |
| Core capital (leverage) ratio | 25.1506% | 87 |
| Tier 1 risk-based capital ratio | 46.1549% | 157 |
| Total risk-based capital ratio | 47.4124% | 158 |
| Memoranda: | ||
| Average total assets | $26,645,000 | 6,784 |
| Average earning assets | $25,245,500 | 6,737 |
| Average equity | $6,760,500 | 5,801 |
| Average total loans | $9,884,000 | 6,775 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5338% | 6,927 |
| Cost of funding earning assets | 0.4373% | 5,668 |
| Net interest margin | 2.0965% | 6,902 |
| Noninterest income to average assets | 0.3372% | 5,046 |
| Noninterest expense to average assets | 1.8241% | 6,593 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.4790% | 4,763 |
| Return on assets (ROA) | 0.4790% | 5,013 |
| Pretax return on assets | 0.4790% | 5,341 |
| Return on Equity (ROE) | 1.8737% | 5,939 |
| Retained earnings to average equity (ytd only) | 0.2248% | 5,736 |
| Net charge-offs to loans | -0.2475% | 6,956 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.2013% | 2,253 |
| Assets per employee ($millions) | 5.3900% | 1,797 |
| Cash dividends to net income (ytd only)* | 88.0000% | 754 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5857% | 1,032 |
| Loan loss allowance to noncurrent loans | 5,280.0000% | 134 |
| Noncurrent assets plus other real estate owned to assets | 0.7050% | 4,717 |
| Noncurrent loans to loans | 0.0490% | 6,378 |
| Net loans and leases to total assets | 36.9054% | 6,381 |
| Net loans and leases to deposits | 49.3402% | 6,006 |
| Net loans and leases to core deposits | 52.1990% | 6,003 |
| Total domestic deposits to total assets | 74.7978% | 6,463 |
| Equity capital to assets | 25.0872% | 98 |
| Core capital (leverage) ratio | 25.3723% | 91 |
| Tier 1 risk-based capital ratio | 51.5557% | 133 |
| Total risk-based capital ratio | 52.8173% | 133 |
| Memoranda: | ||
| Average total assets | $26,095,400 | 6,840 |
| Average earning assets | $24,469,600 | 6,804 |
| Average equity | $6,671,400 | 5,857 |
| Average total loans | $9,291,800 | 6,869 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5271% | 7,044 |
| Cost of funding earning assets | 0.4560% | 5,752 |
| Net interest margin | 2.0711% | 7,018 |
| Noninterest income to average assets | 0.3503% | 5,012 |
| Noninterest expense to average assets | 1.8906% | 6,537 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.4018% | 5,241 |
| Return on assets (ROA) | 0.4018% | 5,464 |
| Pretax return on assets | 0.4018% | 5,713 |
| Return on Equity (ROE) | 1.5641% | 6,138 |
| Retained earnings to average equity (ytd only) | -0.6418% | 6,209 |
| Net charge-offs to loans | -0.3384% | 7,062 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.4719% | 1,757 |
| Assets per employee ($millions) | 5.1854% | 1,946 |
| Cash dividends to net income (ytd only)* | 141.0192% | 125 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9340% | 774 |
| Loan loss allowance to noncurrent loans | 6,600.0000% | 109 |
| Noncurrent assets plus other real estate owned to assets | 0.7290% | 4,860 |
| Noncurrent loans to loans | 0.0445% | 6,507 |
| Net loans and leases to total assets | 33.6869% | 6,671 |
| Net loans and leases to deposits | 45.5703% | 6,416 |
| Net loans and leases to core deposits | 48.3503% | 6,393 |
| Total domestic deposits to total assets | 73.9229% | 6,611 |
| Equity capital to assets | 25.6952% | 101 |
| Core capital (leverage) ratio | 25.8400% | 91 |
| Tier 1 risk-based capital ratio | 59.0378% | 99 |
| Total risk-based capital ratio | 60.3053% | 97 |
| Memoranda: | ||
| Average total assets | $25,881,750 | 6,933 |
| Average earning assets | $24,269,500 | 6,896 |
| Average equity | $6,649,000 | 5,924 |
| Average total loans | $9,062,250 | 6,974 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5374% | 7,113 |
| Cost of funding earning assets | 0.4861% | 5,719 |
| Net interest margin | 2.0514% | 7,091 |
| Noninterest income to average assets | 0.3479% | 5,053 |
| Noninterest expense to average assets | 1.8479% | 6,687 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.4253% | 5,127 |
| Return on assets (ROA) | 0.4253% | 5,359 |
| Pretax return on assets | 0.4253% | 5,646 |
| Return on Equity (ROE) | 1.6555% | 6,150 |
| Retained earnings to average equity (ytd only) | -1.6555% | 6,312 |
| Net charge-offs to loans | 0.5945% | 1,828 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 2.0370% | 3,972 |
| Efficiency ratio | 81.2925% | 1,989 |
| Assets per employee ($millions) | 5.0828% | 2,051 |
| Cash dividends to net income (ytd only)* | 200.0000% | 88 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3584% | 1,485 |
| Loan loss allowance to noncurrent loans | 7,133.3333% | 92 |
| Noncurrent assets plus other real estate owned to assets | 0.5430% | 5,405 |
| Noncurrent loans to loans | 0.0331% | 6,603 |
| Net loans and leases to total assets | 34.8627% | 6,677 |
| Net loans and leases to deposits | 47.2760% | 6,358 |
| Net loans and leases to core deposits | 50.2296% | 6,330 |
| Total domestic deposits to total assets | 73.7428% | 6,697 |
| Equity capital to assets | 25.9621% | 96 |
| Core capital (leverage) ratio | 25.4950% | 93 |
| Tier 1 risk-based capital ratio | 56.9405% | 104 |
| Total risk-based capital ratio | 58.2016% | 102 |
| Memoranda: | ||
| Average total assets | $25,866,670 | 6,988 |
| Average earning assets | $24,276,670 | 6,948 |
| Average equity | $6,644,670 | 5,948 |
| Average total loans | $9,083,670 | 7,037 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6567% | 7,144 |
| Cost of funding earning assets | 0.5053% | 5,782 |
| Net interest margin | 2.1514% | 7,111 |
| Noninterest income to average assets | 0.3373% | 5,159 |
| Noninterest expense to average assets | 1.8702% | 6,695 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.4906% | 4,872 |
| Return on assets (ROA) | 0.4906% | 5,074 |
| Pretax return on assets | 0.4906% | 5,461 |
| Return on Equity (ROE) | 1.9196% | 6,096 |
| Retained earnings to average equity (ytd only) | 1.9196% | 5,292 |
| Net charge-offs to loans | 1.0563% | 977 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 1.3333% | 3,664 |
| Efficiency ratio | 79.2208% | 2,312 |
| Assets per employee ($millions) | 5.2414% | 1,936 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5003% | 1,356 |
| Loan loss allowance to noncurrent loans | 153.9007% | 2,126 |
| Noncurrent assets plus other real estate owned to assets | 0.5380% | 5,530 |
| Noncurrent loans to loans | 1.6246% | 3,678 |
| Net loans and leases to total assets | 32.2891% | 6,816 |
| Net loans and leases to deposits | 43.5020% | 6,586 |
| Net loans and leases to core deposits | 46.1119% | 6,562 |
| Total domestic deposits to total assets | 74.2244% | 6,726 |
| Equity capital to assets | 25.5237% | 93 |
| Core capital (leverage) ratio | 25.7004% | 88 |
| Tier 1 risk-based capital ratio | 67.1696% | 76 |
| Total risk-based capital ratio | 68.4269% | 74 |
| Memoranda: | ||
| Average total assets | $26,093,000 | 7,046 |
| Average earning assets | $24,542,000 | 7,004 |
| Average equity | $6,668,000 | 5,973 |
| Average total loans | $9,088,500 | 7,096 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7732% | 7,230 |
| Cost of funding earning assets | 0.6535% | 5,804 |
| Net interest margin | 2.1197% | 7,202 |
| Noninterest income to average assets | 0.3639% | 4,902 |
| Noninterest expense to average assets | 1.8671% | 6,866 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.4984% | 4,432 |
| Return on assets (ROA) | 0.4984% | 4,648 |
| Pretax return on assets | 0.4984% | 4,998 |
| Return on Equity (ROE) | 1.9026% | 5,697 |
| Retained earnings to average equity (ytd only) | 0.4228% | 5,634 |
| Net charge-offs to loans | 0.5558% | 2,790 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 2.4706% | 3,978 |
| Efficiency ratio | 78.9298% | 2,464 |
| Assets per employee ($millions) | 5.1958% | 1,950 |
| Cash dividends to net income (ytd only)* | 77.7778% | 850 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5374% | 1,268 |
| Loan loss allowance to noncurrent loans | 146.0606% | 2,179 |
| Noncurrent assets plus other real estate owned to assets | 0.6351% | 5,383 |
| Noncurrent loans to loans | 1.7372% | 3,563 |
| Net loans and leases to total assets | 35.6326% | 6,787 |
| Net loans and leases to deposits | 48.0060% | 6,494 |
| Net loans and leases to core deposits | 50.8934% | 6,484 |
| Total domestic deposits to total assets | 74.2253% | 6,691 |
| Equity capital to assets | 25.5861% | 99 |
| Core capital (leverage) ratio | 26.5307% | 87 |
| Tier 1 risk-based capital ratio | 62.5071% | 86 |
| Total risk-based capital ratio | 63.7672% | 84 |
| Memoranda: | ||
| Average total assets | $25,280,000 | 7,096 |
| Average earning assets | $23,871,000 | 7,046 |
| Average equity | $6,622,600 | 5,979 |
| Average total loans | $9,176,200 | 7,141 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8388% | 7,295 |
| Cost of funding earning assets | 0.6817% | 5,866 |
| Net interest margin | 2.1570% | 7,268 |
| Noninterest income to average assets | 0.3665% | 4,940 |
| Noninterest expense to average assets | 1.9650% | 6,762 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.4514% | 4,769 |
| Return on assets (ROA) | 0.4514% | 4,959 |
| Pretax return on assets | 0.4514% | 5,312 |
| Return on Equity (ROE) | 1.7128% | 5,870 |
| Retained earnings to average equity (ytd only) | -0.2619% | 6,024 |
| Net charge-offs to loans | 0.0146% | 5,948 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 85.2105% | 416 |
| Efficiency ratio | 81.3187% | 2,070 |
| Assets per employee ($millions) | 4.9338% | 2,279 |
| Cash dividends to net income (ytd only)* | 115.2916% | 204 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9249% | 915 |
| Loan loss allowance to noncurrent loans | 129.3333% | 2,342 |
| Noncurrent assets plus other real estate owned to assets | 0.9121% | 4,920 |
| Noncurrent loans to loans | 2.2615% | 3,038 |
| Net loans and leases to total assets | 39.1504% | 6,703 |
| Net loans and leases to deposits | 53.8350% | 6,226 |
| Net loans and leases to core deposits | 57.3243% | 6,195 |
| Total domestic deposits to total assets | 72.7229% | 6,879 |
| Equity capital to assets | 26.8029% | 96 |
| Core capital (leverage) ratio | 26.8337% | 90 |
| Tier 1 risk-based capital ratio | 59.9873% | 111 |
| Total risk-based capital ratio | 61.2584% | 108 |
| Memoranda: | ||
| Average total assets | $25,105,250 | 7,170 |
| Average earning assets | $23,859,500 | 7,118 |
| Average equity | $6,616,500 | 6,023 |
| Average total loans | $9,095,750 | 7,215 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8484% | 7,378 |
| Cost of funding earning assets | 0.7100% | 5,903 |
| Net interest margin | 2.1384% | 7,332 |
| Noninterest income to average assets | 0.3564% | 5,037 |
| Noninterest expense to average assets | 1.9009% | 6,947 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.4832% | 4,578 |
| Return on assets (ROA) | 0.4832% | 4,723 |
| Pretax return on assets | 0.4832% | 5,122 |
| Return on Equity (ROE) | 1.8435% | 5,849 |
| Retained earnings to average equity (ytd only) | -1.1182% | 6,070 |
| Net charge-offs to loans | 0.0227% | 5,521 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 61.0000% | 535 |
| Efficiency ratio | 79.7342% | 2,430 |
| Assets per employee ($millions) | 4.8832% | 2,277 |
| Cash dividends to net income (ytd only)* | 160.6557% | 151 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2162% | 751 |
| Loan loss allowance to noncurrent loans | 135.9813% | 2,166 |
| Noncurrent assets plus other real estate owned to assets | 0.8765% | 5,121 |
| Noncurrent loans to loans | 2.3652% | 3,026 |
| Net loans and leases to total assets | 35.8658% | 6,967 |
| Net loans and leases to deposits | 49.4187% | 6,642 |
| Net loans and leases to core deposits | 52.6642% | 6,629 |
| Total domestic deposits to total assets | 72.5754% | 6,969 |
| Equity capital to assets | 27.0519% | 101 |
| Core capital (leverage) ratio | 26.3267% | 104 |
| Tier 1 risk-based capital ratio | 65.7380% | 92 |
| Total risk-based capital ratio | 67.0062% | 90 |
| Memoranda: | ||
| Average total assets | $25,250,670 | 7,232 |
| Average earning assets | $23,943,000 | 7,179 |
| Average equity | $6,618,000 | 6,046 |
| Average total loans | $8,811,330 | 7,290 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8386% | 7,437 |
| Cost of funding earning assets | 0.6932% | 6,172 |
| Net interest margin | 2.1455% | 7,375 |
| Noninterest income to average assets | 0.3273% | 5,290 |
| Noninterest expense to average assets | 1.9480% | 6,914 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.4052% | 4,926 |
| Return on assets (ROA) | 0.4052% | 5,010 |
| Pretax return on assets | 0.4052% | 5,326 |
| Return on Equity (ROE) | 1.5699% | 5,951 |
| Retained earnings to average equity (ytd only) | -4.3475% | 6,462 |
| Net charge-offs to loans | 0.1380% | 3,685 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 8.6667% | 1,800 |
| Efficiency ratio | 82.7815% | 2,113 |
| Assets per employee ($millions) | 5.0902% | 2,035 |
| Cash dividends to net income (ytd only)* | 376.9231% | 58 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3994% | 662 |
| Loan loss allowance to noncurrent loans | 617.0213% | 552 |
| Noncurrent assets plus other real estate owned to assets | 0.1847% | 6,695 |
| Noncurrent loans to loans | 0.5509% | 5,921 |
| Net loans and leases to total assets | 32.3799% | 7,154 |
| Net loans and leases to deposits | 44.0742% | 6,952 |
| Net loans and leases to core deposits | 46.8026% | 6,936 |
| Total domestic deposits to total assets | 73.4667% | 6,954 |
| Equity capital to assets | 25.8497% | 107 |
| Core capital (leverage) ratio | 23.1933% | 134 |
| Tier 1 risk-based capital ratio | 67.3213% | 85 |
| Total risk-based capital ratio | 68.5964% | 85 |
| Memoranda: | ||
| Average total assets | $25,668,000 | 7,272 |
| Average earning assets | $24,237,000 | 7,221 |
| Average equity | $6,624,500 | 6,053 |
| Average total loans | $8,693,000 | 7,352 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2139% | 7,463 |
| Cost of funding earning assets | 0.8800% | 6,243 |
| Net interest margin | 2.3340% | 7,352 |
| Noninterest income to average assets | 0.3759% | 5,090 |
| Noninterest expense to average assets | 1.8634% | 7,205 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.7397% | 3,048 |
| Return on assets (ROA) | 0.7397% | 3,175 |
| Pretax return on assets | 0.7397% | 3,834 |
| Return on Equity (ROE) | 2.7965% | 5,038 |
| Retained earnings to average equity (ytd only) | 1.3151% | 4,890 |
| Net charge-offs to loans | 0.0460% | 6,343 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | 46.2500% | 500 |
| Efficiency ratio | 71.5822% | 3,873 |
| Assets per employee ($millions) | 5.1770% | 1,895 |
| Cash dividends to net income (ytd only)* | 52.9730% | 1,938 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3089% | 675 |
| Loan loss allowance to noncurrent loans | 813.8889% | 429 |
| Noncurrent assets plus other real estate owned to assets | 0.1391% | 6,886 |
| Noncurrent loans to loans | 0.4065% | 6,230 |
| Net loans and leases to total assets | 33.0771% | 7,255 |
| Net loans and leases to deposits | 44.7195% | 7,090 |
| Net loans and leases to core deposits | 47.4191% | 7,097 |
| Total domestic deposits to total assets | 73.9656% | 6,900 |
| Equity capital to assets | 25.7678% | 117 |
| Core capital (leverage) ratio | 26.2346% | 110 |
| Tier 1 risk-based capital ratio | 65.1156% | 86 |
| Total risk-based capital ratio | 66.3847% | 86 |
| Memoranda: | ||
| Average total assets | $25,008,600 | 7,345 |
| Average earning assets | $23,864,800 | 7,290 |
| Average equity | $6,615,400 | 6,162 |
| Average total loans | $8,695,800 | 7,437 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2592% | 7,588 |
| Cost of funding earning assets | 0.9063% | 6,373 |
| Net interest margin | 2.3529% | 7,461 |
| Noninterest income to average assets | 0.3819% | 5,099 |
| Noninterest expense to average assets | 1.9309% | 7,162 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.6992% | 3,414 |
| Return on assets (ROA) | 0.6992% | 3,574 |
| Pretax return on assets | 0.6992% | 4,227 |
| Return on Equity (ROE) | 2.6255% | 5,379 |
| Retained earnings to average equity (ytd only) | 0.6463% | 5,543 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4151% | 3,433 |
| Assets per employee ($millions) | 4.9138% | 2,303 |
| Cash dividends to net income (ytd only)* | 75.3822% | 766 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3698% | 593 |
| Loan loss allowance to noncurrent loans | 986.6667% | 371 |
| Noncurrent assets plus other real estate owned to assets | 0.1221% | 7,055 |
| Noncurrent loans to loans | 0.3415% | 6,513 |
| Net loans and leases to total assets | 34.5476% | 7,326 |
| Net loans and leases to deposits | 47.7068% | 7,100 |
| Net loans and leases to core deposits | 50.7990% | 7,089 |
| Total domestic deposits to total assets | 72.4165% | 7,094 |
| Equity capital to assets | 27.0137% | 113 |
| Core capital (leverage) ratio | 26.6613% | 110 |
| Tier 1 risk-based capital ratio | 61.7614% | 104 |
| Total risk-based capital ratio | 63.0316% | 102 |
| Memoranda: | ||
| Average total assets | $24,789,500 | 7,445 |
| Average earning assets | $23,686,500 | 7,388 |
| Average equity | $6,601,750 | 6,238 |
| Average total loans | $8,656,000 | 7,537 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1715% | 7,683 |
| Cost of funding earning assets | 0.9347% | 6,443 |
| Net interest margin | 2.2367% | 7,560 |
| Noninterest income to average assets | 0.3781% | 5,101 |
| Noninterest expense to average assets | 1.8662% | 7,305 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.6677% | 3,543 |
| Return on assets (ROA) | 0.6677% | 3,688 |
| Pretax return on assets | 0.6677% | 4,345 |
| Return on Equity (ROE) | 2.5190% | 5,455 |
| Retained earnings to average equity (ytd only) | -0.4552% | 5,838 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6508% | 3,538 |
| Assets per employee ($millions) | 4.8072% | 2,440 |
| Cash dividends to net income (ytd only)* | 118.0723% | 299 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4475% | 571 |
| Loan loss allowance to noncurrent loans | 954.8387% | 362 |
| Noncurrent assets plus other real estate owned to assets | 0.1290% | 7,066 |
| Noncurrent loans to loans | 0.3611% | 6,510 |
| Net loans and leases to total assets | 34.4899% | 7,406 |
| Net loans and leases to deposits | 47.8141% | 7,172 |
| Net loans and leases to core deposits | 50.9997% | 7,171 |
| Total domestic deposits to total assets | 72.1335% | 7,172 |
| Equity capital to assets | 27.3590% | 108 |
| Core capital (leverage) ratio | 26.3739% | 117 |
| Tier 1 risk-based capital ratio | 63.8984% | 97 |
| Total risk-based capital ratio | 65.1731% | 98 |
| Memoranda: | ||
| Average total assets | $24,863,000 | 7,502 |
| Average earning assets | $23,963,670 | 7,440 |
| Average equity | $6,590,000 | 6,273 |
| Average total loans | $8,613,330 | 7,602 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0095% | 7,806 |
| Cost of funding earning assets | 0.9486% | 6,586 |
| Net interest margin | 2.0608% | 7,703 |
| Noninterest income to average assets | 0.3640% | 5,227 |
| Noninterest expense to average assets | 1.8990% | 7,330 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.4589% | 4,579 |
| Return on assets (ROA) | 0.4589% | 4,702 |
| Pretax return on assets | 0.4589% | 5,093 |
| Return on Equity (ROE) | 1.7584% | 5,861 |
| Retained earnings to average equity (ytd only) | 1.7584% | 5,062 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.5369% | 2,484 |
| Assets per employee ($millions) | 4.1372% | 3,585 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5835% | 511 |
| Loan loss allowance to noncurrent loans | 925.0000% | 362 |
| Noncurrent assets plus other real estate owned to assets | 0.1289% | 7,156 |
| Noncurrent loans to loans | 0.3874% | 6,506 |
| Net loans and leases to total assets | 32.0831% | 7,560 |
| Net loans and leases to deposits | 43.9903% | 7,405 |
| Net loans and leases to core deposits | 46.7700% | 7,402 |
| Total domestic deposits to total assets | 72.9324% | 7,171 |
| Equity capital to assets | 26.6003% | 119 |
| Core capital (leverage) ratio | 25.8562% | 124 |
| Tier 1 risk-based capital ratio | 68.0037% | 89 |
| Total risk-based capital ratio | 69.2786% | 89 |
| Memoranda: | ||
| Average total assets | $25,276,500 | 7,583 |
| Average earning assets | $24,456,000 | 7,519 |
| Average equity | $6,597,000 | 6,319 |
| Average total loans | $8,627,000 | 7,698 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5164% | 7,828 |
| Cost of funding earning assets | 1.1869% | 6,702 |
| Net interest margin | 2.3295% | 7,564 |
| Noninterest income to average assets | 0.4263% | 5,000 |
| Noninterest expense to average assets | 1.9947% | 7,376 |
| Loan and lease loss provision to assets | 0.0117% | 7,370 |
| Net operating income to assets | 0.6766% | 3,028 |
| Return on assets (ROA) | 0.8878% | 2,290 |
| Pretax return on assets | 0.8878% | 2,959 |
| Return on Equity (ROE) | 3.4347% | 4,314 |
| Retained earnings to average equity (ytd only) | -2.5117% | 5,616 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3440% | 3,826 |
| Assets per employee ($millions) | 4.2883% | 3,285 |
| Cash dividends to net income (ytd only)* | 173.1278% | 243 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2911% | 611 |
| Loan loss allowance to noncurrent loans | 954.8387% | 373 |
| Noncurrent assets plus other real estate owned to assets | 0.1205% | 7,179 |
| Noncurrent loans to loans | 0.3447% | 6,590 |
| Net loans and leases to total assets | 33.8049% | 7,598 |
| Net loans and leases to deposits | 45.7068% | 7,457 |
| Net loans and leases to core deposits | 55.9537% | 7,406 |
| Total domestic deposits to total assets | 73.9604% | 7,020 |
| Equity capital to assets | 25.6160% | 145 |
| Core capital (leverage) ratio | 25.9392% | 142 |
| Tier 1 risk-based capital ratio | 65.8667% | 96 |
| Total risk-based capital ratio | 67.1372% | 96 |
| Memoranda: | ||
| Average total assets | $25,567,800 | 7,626 |
| Average earning assets | $24,769,400 | 7,555 |
| Average equity | $6,609,000 | 6,389 |
| Average total loans | $8,511,600 | 7,765 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6183% | 7,918 |
| Cost of funding earning assets | 1.2258% | 6,818 |
| Net interest margin | 2.3925% | 7,571 |
| Noninterest income to average assets | 0.4387% | 4,969 |
| Noninterest expense to average assets | 2.0944% | 7,209 |
| Loan and lease loss provision to assets | 0.0157% | 7,182 |
| Net operating income to assets | 0.6529% | 3,394 |
| Return on assets (ROA) | 0.6529% | 3,455 |
| Pretax return on assets | 0.6529% | 4,009 |
| Return on Equity (ROE) | 2.5200% | 4,981 |
| Retained earnings to average equity (ytd only) | -5.4029% | 6,301 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.8034% | 3,543 |
| Assets per employee ($millions) | 4.1112% | 3,539 |
| Cash dividends to net income (ytd only)* | 314.4066% | 109 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4951% | 425 |
| Loan loss allowance to noncurrent loans | 925.0000% | 387 |
| Noncurrent assets plus other real estate owned to assets | 0.1297% | 7,222 |
| Noncurrent loans to loans | 0.3778% | 6,593 |
| Net loans and leases to total assets | 33.1333% | 7,711 |
| Net loans and leases to deposits | 45.5498% | 7,581 |
| Net loans and leases to core deposits | 55.7047% | 7,551 |
| Total domestic deposits to total assets | 72.7409% | 7,114 |
| Equity capital to assets | 26.4888% | 157 |
| Core capital (leverage) ratio | 25.3919% | 162 |
| Tier 1 risk-based capital ratio | 68.2551% | 99 |
| Total risk-based capital ratio | 69.5288% | 98 |
| Memoranda: | ||
| Average total assets | $25,527,250 | 7,699 |
| Average earning assets | $24,799,000 | 7,624 |
| Average equity | $6,613,500 | 6,446 |
| Average total loans | $8,391,000 | 7,845 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7851% | 7,973 |
| Cost of funding earning assets | 1.2378% | 6,996 |
| Net interest margin | 2.5474% | 7,416 |
| Noninterest income to average assets | 0.4494% | 4,851 |
| Noninterest expense to average assets | 1.9524% | 7,550 |
| Loan and lease loss provision to assets | 0.0232% | 7,003 |
| Net operating income to assets | 0.9452% | 2,295 |
| Return on assets (ROA) | 0.9452% | 2,391 |
| Pretax return on assets | 0.9452% | 3,196 |
| Return on Equity (ROE) | 3.6747% | 4,632 |
| Retained earnings to average equity (ytd only) | -8.1627% | 6,688 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8435% | 5,397 |
| Assets per employee ($millions) | 3.7309% | 4,252 |
| Cash dividends to net income (ytd only)* | 322.1311% | 120 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4596% | 392 |
| Loan loss allowance to noncurrent loans | 132.7354% | 2,213 |
| Noncurrent assets plus other real estate owned to assets | 0.8539% | 5,276 |
| Noncurrent loans to loans | 2.6064% | 2,781 |
| Net loans and leases to total assets | 31.6281% | 7,855 |
| Net loans and leases to deposits | 42.5006% | 7,742 |
| Net loans and leases to core deposits | 51.8975% | 7,714 |
| Total domestic deposits to total assets | 74.4180% | 6,885 |
| Equity capital to assets | 24.9272% | 203 |
| Core capital (leverage) ratio | 25.1861% | 203 |
| Tier 1 risk-based capital ratio | 66.7879% | 110 |
| Total risk-based capital ratio | 68.0557% | 110 |
| Memoranda: | ||
| Average total assets | $25,814,000 | 7,763 |
| Average earning assets | $25,045,330 | 7,677 |
| Average equity | $6,640,000 | 6,481 |
| Average total loans | $8,365,000 | 7,936 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9715% | 7,998 |
| Cost of funding earning assets | 1.3185% | 6,965 |
| Net interest margin | 2.6530% | 7,291 |
| Noninterest income to average assets | 0.4676% | 4,611 |
| Noninterest expense to average assets | 2.0574% | 7,220 |
| Loan and lease loss provision to assets | 0.0468% | 6,383 |
| Net operating income to assets | 0.9352% | 2,566 |
| Return on assets (ROA) | 0.9352% | 2,695 |
| Pretax return on assets | 0.9352% | 3,582 |
| Return on Equity (ROE) | 3.5794% | 5,138 |
| Retained earnings to average equity (ytd only) | -19.8658% | 7,638 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6923% | 5,023 |
| Assets per employee ($millions) | 3.5837% | 4,609 |
| Cash dividends to net income (ytd only)* | 655.0000% | 46 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7102% | 273 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 30.6227% | 7,905 |
| Net loans and leases to deposits | 41.6481% | 7,793 |
| Net loans and leases to core deposits | 49.8313% | 7,797 |
| Total domestic deposits to total assets | 73.5271% | 6,963 |
| Equity capital to assets | 25.8750% | 204 |
| Core capital (leverage) ratio | 24.7213% | 236 |
| Tier 1 risk-based capital ratio | 64.5668% | 126 |
| Total risk-based capital ratio | 65.8349% | 124 |
| Memoranda: | ||
| Average total assets | $25,663,000 | 7,813 |
| Average earning assets | $24,877,500 | 7,729 |
| Average equity | $6,705,000 | 6,518 |
| Average total loans | $8,269,500 | 7,986 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9101% | 7,894 |
| Cost of funding earning assets | 1.9457% | 6,590 |
| Net interest margin | 2.9645% | 7,000 |
| Noninterest income to average assets | 0.4946% | 4,650 |
| Noninterest expense to average assets | 1.9099% | 7,598 |
| Loan and lease loss provision to assets | 0.0482% | 6,815 |
| Net operating income to assets | 1.3912% | 1,250 |
| Return on assets (ROA) | 1.3912% | 1,197 |
| Pretax return on assets | 1.3912% | 1,996 |
| Return on Equity (ROE) | 5.1795% | 4,293 |
| Retained earnings to average equity (ytd only) | -0.7036% | 5,515 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.0228% | 6,867 |
| Assets per employee ($millions) | 3.7486% | 4,063 |
| Cash dividends to net income (ytd only)* | 113.5838% | 755 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4225% | 300 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 31.5091% | 7,959 |
| Net loans and leases to deposits | 43.1254% | 7,871 |
| Net loans and leases to core deposits | 51.9412% | 7,846 |
| Total domestic deposits to total assets | 73.0640% | 6,817 |
| Equity capital to assets | 26.3681% | 236 |
| Core capital (leverage) ratio | 26.6622% | 228 |
| Tier 1 risk-based capital ratio | 59.5342% | 156 |
| Total risk-based capital ratio | 60.7965% | 154 |
| Memoranda: | ||
| Average total assets | $24,870,800 | 7,842 |
| Average earning assets | $23,950,400 | 7,784 |
| Average equity | $6,680,200 | 6,575 |
| Average total loans | $8,174,600 | 8,026 |