Home > The First State Bank > Performance and Condition Ratios
The First State Bank, Performance and Condition Ratios
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.8760% | 80 |
| Cost of funding earning assets | 2.5420% | 1,069 |
| Net interest margin | 7.3341% | 40 |
| Noninterest income to average assets | 1.2100% | 447 |
| Noninterest expense to average assets | 5.5740% | 193 |
| Loan and lease loss provision to assets | 0.4300% | 258 |
| Net operating income to assets | 1.2831% | 1,328 |
| Return on assets (ROA) | 1.2831% | 1,332 |
| Pretax return on assets | 1.5049% | 1,270 |
| Return on Equity (ROE) | 9.7300% | 2,232 |
| Retained earnings to average equity (ytd only) | 2.7280% | 3,138 |
| Net charge-offs to loans | 0.4942% | 294 |
| Credit loss provision to net charge-offs | 136.5031% | 1,505 |
| Earnings coverage of net charge-offs (x) | 6.1534% | 2,529 |
| Efficiency ratio | 74.2424% | 1,529 |
| Assets per employee ($millions) | 5.3809% | 3,374 |
| Cash dividends to net income (ytd only)* | 71.9760% | 763 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3116% | 1,619 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,770 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,816 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 65.1900% | 2,444 |
| Net loans and leases to deposits | 98.9535% | 542 |
| Net loans and leases to core deposits | 121.1443% | 568 |
| Total domestic deposits to total assets | 65.8800% | 4,279 |
| Equity capital to assets | 11.9647% | 1,199 |
| Core capital (leverage) ratio | 12.5426% | 1,217 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0761% | 881 |
| Memoranda: | ||
| Average total assets | $103,731,000 | 3,747 |
| Average earning assets | $89,064,000 | 3,794 |
| Average equity | $13,673,200 | 3,457 |
| Average total loans | $65,966,000 | 3,626 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.1071% | 75 |
| Cost of funding earning assets | 2.5283% | 1,118 |
| Net interest margin | 7.5787% | 31 |
| Noninterest income to average assets | 1.2500% | 427 |
| Noninterest expense to average assets | 5.3180% | 204 |
| Loan and lease loss provision to assets | 0.0800% | 1,521 |
| Net operating income to assets | 1.9234% | 481 |
| Return on assets (ROA) | 1.9234% | 487 |
| Pretax return on assets | 2.3034% | 425 |
| Return on Equity (ROE) | 14.2300% | 1,100 |
| Retained earnings to average equity (ytd only) | 6.5150% | 1,903 |
| Net charge-offs to loans | 0.2696% | 469 |
| Credit loss provision to net charge-offs | 45.7364% | 2,077 |
| Earnings coverage of net charge-offs (x) | 14.0388% | 1,968 |
| Efficiency ratio | 69.0745% | 2,137 |
| Assets per employee ($millions) | 5.4206% | 3,343 |
| Cash dividends to net income (ytd only)* | 54.2037% | 1,230 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1305% | 2,591 |
| Loan loss allowance to noncurrent loans | 626.9841% | 1,043 |
| Noncurrent assets plus other real estate owned to assets | 3.4581% | 66 |
| Noncurrent loans to loans | 0.1803% | 2,828 |
| Net loans and leases to total assets | 63.7300% | 2,557 |
| Net loans and leases to deposits | 100.0319% | 482 |
| Net loans and leases to core deposits | 123.2359% | 525 |
| Total domestic deposits to total assets | 63.7100% | 4,328 |
| Equity capital to assets | 13.1858% | 922 |
| Core capital (leverage) ratio | 14.0037% | 814 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5613% | 852 |
| Memoranda: | ||
| Average total assets | $101,414,000 | 3,778 |
| Average earning assets | $86,327,000 | 3,834 |
| Average equity | $13,711,500 | 3,452 |
| Average total loans | $63,797,000 | 3,664 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.5702% | 70 |
| Cost of funding earning assets | 2.5714% | 960 |
| Net interest margin | 7.9987% | 24 |
| Noninterest income to average assets | 1.2800% | 420 |
| Noninterest expense to average assets | 5.3310% | 205 |
| Loan and lease loss provision to assets | 0.0500% | 1,906 |
| Net operating income to assets | 2.2466% | 318 |
| Return on assets (ROA) | 2.2466% | 314 |
| Pretax return on assets | 2.7129% | 273 |
| Return on Equity (ROE) | 16.4700% | 770 |
| Retained earnings to average equity (ytd only) | 7.1909% | 1,599 |
| Net charge-offs to loans | 0.2817% | 390 |
| Credit loss provision to net charge-offs | 29.8851% | 1,910 |
| Earnings coverage of net charge-offs (x) | 15.7471% | 1,760 |
| Efficiency ratio | 65.8439% | 2,557 |
| Assets per employee ($millions) | 4.5063% | 3,911 |
| Cash dividends to net income (ytd only)* | 56.3342% | 1,251 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2602% | 1,934 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,808 |
| Noncurrent assets plus other real estate owned to assets | 3.6545% | 44 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 63.1500% | 2,631 |
| Net loans and leases to deposits | 87.8267% | 1,500 |
| Net loans and leases to core deposits | 106.3972% | 1,135 |
| Total domestic deposits to total assets | 71.9000% | 4,179 |
| Equity capital to assets | 13.7746% | 720 |
| Core capital (leverage) ratio | 14.4900% | 710 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.6870% | 708 |
| Memoranda: | ||
| Average total assets | $99,081,333 | 3,811 |
| Average earning assets | $84,388,333 | 3,869 |
| Average equity | $13,517,000 | 3,447 |
| Average total loans | $61,769,000 | 3,690 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 11.6900% | 66 |
| Cost of funding earning assets | 2.6912% | 723 |
| Net interest margin | 8.9988% | 21 |
| Noninterest income to average assets | 0.8000% | 824 |
| Noninterest expense to average assets | 5.1730% | 210 |
| Loan and lease loss provision to assets | 0.0200% | 2,205 |
| Net operating income to assets | 2.6693% | 215 |
| Return on assets (ROA) | 2.6693% | 215 |
| Pretax return on assets | 3.3477% | 164 |
| Return on Equity (ROE) | 19.6600% | 464 |
| Retained earnings to average equity (ytd only) | 16.6871% | 324 |
| Net charge-offs to loans | 0.0984% | 730 |
| Credit loss provision to net charge-offs | 33.3333% | 1,468 |
| Earnings coverage of net charge-offs (x) | 55.6000% | 930 |
| Efficiency ratio | 60.5674% | 3,204 |
| Assets per employee ($millions) | 4.6710% | 3,855 |
| Cash dividends to net income (ytd only)* | 15.1286% | 2,080 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4076% | 1,359 |
| Loan loss allowance to noncurrent loans | 988.3721% | 831 |
| Noncurrent assets plus other real estate owned to assets | 3.7811% | 51 |
| Noncurrent loans to loans | 0.1424% | 2,896 |
| Net loans and leases to total assets | 60.6900% | 2,792 |
| Net loans and leases to deposits | 84.9362% | 1,638 |
| Net loans and leases to core deposits | 104.4070% | 1,187 |
| Total domestic deposits to total assets | 71.4600% | 4,242 |
| Equity capital to assets | 13.9369% | 682 |
| Core capital (leverage) ratio | 14.2229% | 746 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.1594% | 678 |
| Memoranda: | ||
| Average total assets | $99,052,500 | 3,831 |
| Average earning assets | $85,166,500 | 3,878 |
| Average equity | $13,447,500 | 3,462 |
| Average total loans | $60,953,000 | 3,711 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.2666% | 111 |
| Cost of funding earning assets | 1.5642% | 1,783 |
| Net interest margin | 6.7024% | 68 |
| Noninterest income to average assets | 1.9700% | 274 |
| Noninterest expense to average assets | 5.0525% | 225 |
| Loan and lease loss provision to assets | 0.3800% | 260 |
| Net operating income to assets | 2.0135% | 456 |
| Return on assets (ROA) | 2.0135% | 437 |
| Pretax return on assets | 2.4246% | 367 |
| Return on Equity (ROE) | 13.8700% | 1,509 |
| Retained earnings to average equity (ytd only) | 5.9923% | 2,243 |
| Net charge-offs to loans | 0.1474% | 694 |
| Credit loss provision to net charge-offs | 403.6585% | 779 |
| Earnings coverage of net charge-offs (x) | 30.0732% | 1,636 |
| Efficiency ratio | 64.3384% | 2,564 |
| Assets per employee ($millions) | 5.8831% | 2,920 |
| Cash dividends to net income (ytd only)* | 56.7964% | 1,327 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3979% | 1,399 |
| Loan loss allowance to noncurrent loans | 27.6083% | 3,746 |
| Noncurrent assets plus other real estate owned to assets | 3.1146% | 67 |
| Noncurrent loans to loans | 5.0634% | 48 |
| Net loans and leases to total assets | 60.6500% | 2,791 |
| Net loans and leases to deposits | 87.1164% | 1,526 |
| Net loans and leases to core deposits | 106.1640% | 1,103 |
| Total domestic deposits to total assets | 69.6200% | 4,303 |
| Equity capital to assets | 13.2223% | 819 |
| Core capital (leverage) ratio | 14.2398% | 752 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.7602% | 714 |
| Memoranda: | ||
| Average total assets | $88,055,400 | 3,934 |
| Average earning assets | $77,226,000 | 3,956 |
| Average equity | $12,783,000 | 3,459 |
| Average total loans | $55,639,000 | 3,767 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.6199% | 94 |
| Cost of funding earning assets | 1.2248% | 2,351 |
| Net interest margin | 7.3952% | 44 |
| Noninterest income to average assets | 0.9400% | 706 |
| Noninterest expense to average assets | 4.5658% | 269 |
| Loan and lease loss provision to assets | 0.1700% | 682 |
| Net operating income to assets | 2.1316% | 418 |
| Return on assets (ROA) | 2.1316% | 409 |
| Pretax return on assets | 2.6724% | 325 |
| Return on Equity (ROE) | 14.3100% | 1,579 |
| Retained earnings to average equity (ytd only) | 9.5636% | 1,533 |
| Net charge-offs to loans | 0.0074% | 2,153 |
| Credit loss provision to net charge-offs | 3,700.0000% | 134 |
| Earnings coverage of net charge-offs (x) | 605.3333% | 258 |
| Efficiency ratio | 61.5986% | 2,768 |
| Assets per employee ($millions) | 5.1934% | 3,436 |
| Cash dividends to net income (ytd only)* | 33.1618% | 1,951 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1918% | 2,404 |
| Loan loss allowance to noncurrent loans | 65.4827% | 3,508 |
| Noncurrent assets plus other real estate owned to assets | 1.2437% | 350 |
| Noncurrent loans to loans | 1.8201% | 354 |
| Net loans and leases to total assets | 67.5200% | 2,108 |
| Net loans and leases to deposits | 98.7296% | 570 |
| Net loans and leases to core deposits | 116.2603% | 653 |
| Total domestic deposits to total assets | 68.3900% | 4,363 |
| Equity capital to assets | 14.6137% | 573 |
| Core capital (leverage) ratio | 16.0080% | 493 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.4208% | 596 |
| Memoranda: | ||
| Average total assets | $85,066,000 | 3,989 |
| Average earning assets | $74,461,250 | 4,003 |
| Average equity | $12,672,750 | 3,454 |
| Average total loans | $54,168,750 | 3,790 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.1014% | 102 |
| Cost of funding earning assets | 1.0299% | 2,501 |
| Net interest margin | 7.0714% | 51 |
| Noninterest income to average assets | 0.9400% | 633 |
| Noninterest expense to average assets | 4.5576% | 267 |
| Loan and lease loss provision to assets | 0.2200% | 474 |
| Net operating income to assets | 1.9549% | 495 |
| Return on assets (ROA) | 1.9549% | 494 |
| Pretax return on assets | 2.3788% | 412 |
| Return on Equity (ROE) | 13.0400% | 1,893 |
| Retained earnings to average equity (ytd only) | 8.8121% | 1,730 |
| Net charge-offs to loans | 0.0115% | 1,767 |
| Credit loss provision to net charge-offs | 3,033.3333% | 178 |
| Earnings coverage of net charge-offs (x) | 363.3333% | 392 |
| Efficiency ratio | 63.7150% | 2,519 |
| Assets per employee ($millions) | 5.1169% | 3,489 |
| Cash dividends to net income (ytd only)* | 32.3995% | 2,005 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2412% | 2,222 |
| Loan loss allowance to noncurrent loans | 288.8430% | 2,194 |
| Noncurrent assets plus other real estate owned to assets | 0.2782% | 1,808 |
| Noncurrent loans to loans | 0.4297% | 1,647 |
| Net loans and leases to total assets | 63.9400% | 2,391 |
| Net loans and leases to deposits | 81.9539% | 1,827 |
| Net loans and leases to core deposits | 91.7834% | 1,698 |
| Total domestic deposits to total assets | 78.0200% | 3,845 |
| Equity capital to assets | 14.6447% | 558 |
| Core capital (leverage) ratio | 16.3278% | 446 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.3901% | 529 |
| Memoranda: | ||
| Average total assets | $83,992,333 | 4,012 |
| Average earning assets | $73,790,000 | 4,031 |
| Average equity | $12,596,333 | 3,478 |
| Average total loans | $52,115,667 | 3,829 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.8756% | 65 |
| Cost of funding earning assets | 0.7771% | 2,814 |
| Net interest margin | 7.0985% | 45 |
| Noninterest income to average assets | 0.9500% | 617 |
| Noninterest expense to average assets | 4.1893% | 321 |
| Loan and lease loss provision to assets | 0.1000% | 1,106 |
| Net operating income to assets | 2.6620% | 211 |
| Return on assets (ROA) | 2.6620% | 207 |
| Pretax return on assets | 2.9044% | 220 |
| Return on Equity (ROE) | 17.5300% | 1,095 |
| Retained earnings to average equity (ytd only) | 17.5329% | 556 |
| Net charge-offs to loans | 0.1360% | 493 |
| Credit loss provision to net charge-offs | 117.6471% | 1,040 |
| Earnings coverage of net charge-offs (x) | 36.4118% | 1,225 |
| Efficiency ratio | 58.2603% | 3,170 |
| Assets per employee ($millions) | 4.8545% | 3,761 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2002% | 2,552 |
| Loan loss allowance to noncurrent loans | 229.9625% | 2,510 |
| Noncurrent assets plus other real estate owned to assets | 0.3235% | 1,557 |
| Noncurrent loans to loans | 0.5219% | 1,417 |
| Net loans and leases to total assets | 61.2500% | 2,536 |
| Net loans and leases to deposits | 77.1240% | 2,026 |
| Net loans and leases to core deposits | 84.6463% | 1,948 |
| Total domestic deposits to total assets | 79.4100% | 3,846 |
| Equity capital to assets | 15.5004% | 441 |
| Core capital (leverage) ratio | 16.3906% | 435 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.5364% | 470 |
| Memoranda: | ||
| Average total assets | $82,495,000 | 4,075 |
| Average earning assets | $72,578,500 | 4,104 |
| Average equity | $12,525,000 | 3,518 |
| Average total loans | $50,015,000 | 3,904 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4358% | 40 |
| Cost of funding earning assets | 0.3297% | 2,638 |
| Net interest margin | 7.1061% | 28 |
| Noninterest income to average assets | 1.0500% | 591 |
| Noninterest expense to average assets | 5.1015% | 208 |
| Loan and lease loss provision to assets | 0.1900% | 578 |
| Net operating income to assets | 0.9539% | 2,752 |
| Return on assets (ROA) | 0.9539% | 2,701 |
| Pretax return on assets | 2.0122% | 469 |
| Return on Equity (ROE) | 6.9000% | 3,658 |
| Retained earnings to average equity (ytd only) | 0.1049% | 4,324 |
| Net charge-offs to loans | 0.0730% | 915 |
| Credit loss provision to net charge-offs | 433.3333% | 741 |
| Earnings coverage of net charge-offs (x) | 50.6000% | 1,352 |
| Efficiency ratio | 69.8630% | 1,704 |
| Assets per employee ($millions) | 4.8508% | 3,781 |
| Cash dividends to net income (ytd only)* | 98.4802% | 216 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2502% | 2,148 |
| Loan loss allowance to noncurrent loans | 330.2703% | 2,081 |
| Noncurrent assets plus other real estate owned to assets | 0.2243% | 2,033 |
| Noncurrent loans to loans | 0.3785% | 1,783 |
| Net loans and leases to total assets | 58.5200% | 2,772 |
| Net loans and leases to deposits | 69.5183% | 2,621 |
| Net loans and leases to core deposits | 75.5116% | 2,461 |
| Total domestic deposits to total assets | 84.1900% | 3,165 |
| Equity capital to assets | 14.8648% | 484 |
| Core capital (leverage) ratio | 16.3720% | 421 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.0955% | 365 |
| Memoranda: | ||
| Average total assets | $68,980,000 | 4,241 |
| Average earning assets | $60,666,000 | 4,252 |
| Average equity | $9,532,800 | 3,929 |
| Average total loans | $41,089,600 | 4,049 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0699% | 38 |
| Cost of funding earning assets | 0.2344% | 2,877 |
| Net interest margin | 6.8355% | 32 |
| Noninterest income to average assets | 1.0800% | 595 |
| Noninterest expense to average assets | 4.8346% | 224 |
| Loan and lease loss provision to assets | 0.1300% | 800 |
| Net operating income to assets | 0.8210% | 3,170 |
| Return on assets (ROA) | 0.8210% | 3,133 |
| Pretax return on assets | 2.1013% | 381 |
| Return on Equity (ROE) | 6.0900% | 3,781 |
| Retained earnings to average equity (ytd only) | -1.7624% | 4,475 |
| Net charge-offs to loans | 0.0545% | 940 |
| Credit loss provision to net charge-offs | 400.0000% | 704 |
| Earnings coverage of net charge-offs (x) | 68.6250% | 1,113 |
| Efficiency ratio | 68.4211% | 1,963 |
| Assets per employee ($millions) | 4.4448% | 4,096 |
| Cash dividends to net income (ytd only)* | 128.9604% | 110 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2392% | 2,326 |
| Loan loss allowance to noncurrent loans | 916.3934% | 1,050 |
| Noncurrent assets plus other real estate owned to assets | 0.0807% | 3,099 |
| Noncurrent loans to loans | 0.1352% | 2,961 |
| Net loans and leases to total assets | 58.9600% | 2,604 |
| Net loans and leases to deposits | 70.8524% | 2,300 |
| Net loans and leases to core deposits | 75.5503% | 2,233 |
| Total domestic deposits to total assets | 83.2200% | 3,654 |
| Equity capital to assets | 15.7301% | 390 |
| Core capital (leverage) ratio | 17.7765% | 327 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.0026% | 313 |
| Memoranda: | ||
| Average total assets | $65,609,250 | 4,307 |
| Average earning assets | $57,444,000 | 4,326 |
| Average equity | $8,851,500 | 4,052 |
| Average total loans | $39,144,000 | 4,099 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9448% | 39 |
| Cost of funding earning assets | 0.2784% | 1,922 |
| Net interest margin | 6.6665% | 34 |
| Noninterest income to average assets | 1.1045% | 547 |
| Noninterest expense to average assets | 4.9573% | 172 |
| Loan and lease loss provision to assets | 0.1284% | 757 |
| Net operating income to assets | 0.0257% | 4,566 |
| Return on assets (ROA) | 0.0257% | 4,537 |
| Pretax return on assets | 1.8622% | 507 |
| Return on Equity (ROE) | 0.2041% | 4,538 |
| Retained earnings to average equity (ytd only) | -7.6020% | 4,612 |
| Net charge-offs to loans | -0.0323% | 4,070 |
| Credit loss provision to net charge-offs | -666.6667% | 3,443 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.3494% | 1,790 |
| Assets per employee ($millions) | 4.3248% | 4,189 |
| Cash dividends to net income (ytd only)* | 3,825.0000% | 4 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3933% | 1,784 |
| Loan loss allowance to noncurrent loans | 1,547.2222% | 670 |
| Noncurrent assets plus other real estate owned to assets | 0.0520% | 3,469 |
| Noncurrent loans to loans | 0.0900% | 3,320 |
| Net loans and leases to total assets | 56.9692% | 2,643 |
| Net loans and leases to deposits | 69.9388% | 2,210 |
| Net loans and leases to core deposits | 74.9064% | 2,102 |
| Total domestic deposits to total assets | 81.4558% | 4,075 |
| Equity capital to assets | 17.5889% | 246 |
| Core capital (leverage) ratio | 19.4984% | 213 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.9842% | 251 |
| Memoranda: | ||
| Average total assets | $62,291,667 | 4,393 |
| Average earning assets | $54,601,667 | 4,417 |
| Average equity | $7,840,000 | 4,222 |
| Average total loans | $37,155,000 | 4,194 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8581% | 40 |
| Cost of funding earning assets | 0.3195% | 1,469 |
| Net interest margin | 6.5385% | 36 |
| Noninterest income to average assets | 1.1013% | 559 |
| Noninterest expense to average assets | 4.9219% | 175 |
| Loan and lease loss provision to assets | 0.1496% | 526 |
| Net operating income to assets | 1.7335% | 381 |
| Return on assets (ROA) | 1.7335% | 385 |
| Pretax return on assets | 1.7335% | 642 |
| Return on Equity (ROE) | 17.9752% | 346 |
| Retained earnings to average equity (ytd only) | 8.3884% | 1,456 |
| Net charge-offs to loans | -0.0560% | 4,296 |
| Credit loss provision to net charge-offs | -440.0000% | 3,116 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3277% | 1,933 |
| Assets per employee ($millions) | 3.6299% | 4,525 |
| Cash dividends to net income (ytd only)* | 53.3333% | 1,193 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5346% | 1,444 |
| Loan loss allowance to noncurrent loans | 376.2238% | 1,810 |
| Noncurrent assets plus other real estate owned to assets | 0.2317% | 2,256 |
| Noncurrent loans to loans | 0.4079% | 2,030 |
| Net loans and leases to total assets | 55.9416% | 2,534 |
| Net loans and leases to deposits | 64.1821% | 2,511 |
| Net loans and leases to core deposits | 71.1612% | 2,185 |
| Total domestic deposits to total assets | 87.1607% | 2,871 |
| Equity capital to assets | 9.1721% | 2,552 |
| Core capital (leverage) ratio | 8.7462% | 3,617 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9410% | 2,238 |
| Memoranda: | ||
| Average total assets | $58,839,000 | 4,453 |
| Average earning assets | $51,326,500 | 4,472 |
| Average equity | $5,674,500 | 4,499 |
| Average total loans | $35,743,500 | 4,238 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 13.2560% | 12 |
| Cost of funding earning assets | 0.1622% | 3,846 |
| Net interest margin | 13.0937% | 11 |
| Noninterest income to average assets | 1.1941% | 741 |
| Noninterest expense to average assets | 8.0709% | 91 |
| Loan and lease loss provision to assets | 0.5473% | 97 |
| Net operating income to assets | 3.9535% | 60 |
| Return on assets (ROA) | 3.9535% | 62 |
| Pretax return on assets | 3.9535% | 81 |
| Return on Equity (ROE) | 35.1521% | 40 |
| Retained earnings to average equity (ytd only) | 16.9401% | 125 |
| Net charge-offs to loans | 0.3590% | 235 |
| Credit loss provision to net charge-offs | 235.7143% | 1,207 |
| Earnings coverage of net charge-offs (x) | 19.3839% | 1,880 |
| Efficiency ratio | 64.0007% | 2,564 |
| Assets per employee ($millions) | 3.2923% | 4,629 |
| Cash dividends to net income (ytd only)* | 51.8091% | 1,429 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4028% | 1,907 |
| Loan loss allowance to noncurrent loans | 608.3333% | 1,234 |
| Noncurrent assets plus other real estate owned to assets | 0.1501% | 2,897 |
| Noncurrent loans to loans | 0.2306% | 2,806 |
| Net loans and leases to total assets | 64.1730% | 1,680 |
| Net loans and leases to deposits | 75.1638% | 1,629 |
| Net loans and leases to core deposits | 84.9925% | 1,262 |
| Total domestic deposits to total assets | 85.3776% | 3,144 |
| Equity capital to assets | 10.1646% | 2,506 |
| Core capital (leverage) ratio | 8.7364% | 3,684 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5239% | 1,680 |
| Memoranda: | ||
| Average total assets | $48,235,200 | 4,581 |
| Average earning assets | $41,913,200 | 4,595 |
| Average equity | $5,425,000 | 4,586 |
| Average total loans | $31,200,200 | 4,360 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 15.0636% | 9 |
| Cost of funding earning assets | 0.1393% | 4,196 |
| Net interest margin | 14.9243% | 8 |
| Noninterest income to average assets | 1.2440% | 746 |
| Noninterest expense to average assets | 7.6827% | 100 |
| Loan and lease loss provision to assets | 0.3801% | 176 |
| Net operating income to assets | 6.1393% | 39 |
| Return on assets (ROA) | 6.1393% | 38 |
| Pretax return on assets | 6.1393% | 49 |
| Return on Equity (ROE) | 53.0434% | 13 |
| Retained earnings to average equity (ytd only) | 36.0008% | 15 |
| Net charge-offs to loans | 0.1739% | 497 |
| Credit loss provision to net charge-offs | 338.4615% | 939 |
| Earnings coverage of net charge-offs (x) | 58.0513% | 1,149 |
| Efficiency ratio | 53.9132% | 3,823 |
| Assets per employee ($millions) | 3.1471% | 4,727 |
| Cash dividends to net income (ytd only)* | 32.1295% | 1,973 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3079% | 2,446 |
| Loan loss allowance to noncurrent loans | 414.6789% | 1,576 |
| Noncurrent assets plus other real estate owned to assets | 0.1924% | 2,834 |
| Noncurrent loans to loans | 0.3154% | 2,652 |
| Net loans and leases to total assets | 60.2080% | 2,225 |
| Net loans and leases to deposits | 68.8523% | 2,350 |
| Net loans and leases to core deposits | 75.4524% | 2,105 |
| Total domestic deposits to total assets | 87.4451% | 2,135 |
| Equity capital to assets | 11.0544% | 1,974 |
| Core capital (leverage) ratio | 10.7604% | 1,842 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.5702% | 741 |
| Memoranda: | ||
| Average total assets | $46,301,750 | 4,669 |
| Average earning assets | $40,202,000 | 4,682 |
| Average equity | $5,359,000 | 4,660 |
| Average total loans | $29,893,250 | 4,434 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 16.4052% | 8 |
| Cost of funding earning assets | 0.1678% | 4,060 |
| Net interest margin | 16.2374% | 7 |
| Noninterest income to average assets | 1.2928% | 698 |
| Noninterest expense to average assets | 8.3121% | 91 |
| Loan and lease loss provision to assets | 0.5600% | 84 |
| Net operating income to assets | 6.4219% | 38 |
| Return on assets (ROA) | 6.4219% | 39 |
| Pretax return on assets | 6.4219% | 50 |
| Return on Equity (ROE) | 54.4089% | 17 |
| Retained earnings to average equity (ytd only) | 37.9992% | 15 |
| Net charge-offs to loans | -0.0071% | 3,540 |
| Credit loss provision to net charge-offs | -12,000.0000% | 4,060 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.1654% | 3,778 |
| Assets per employee ($millions) | 3.3141% | 4,722 |
| Cash dividends to net income (ytd only)* | 30.1599% | 2,050 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2513% | 2,672 |
| Loan loss allowance to noncurrent loans | 1,655.1724% | 495 |
| Noncurrent assets plus other real estate owned to assets | 0.0583% | 3,846 |
| Noncurrent loans to loans | 0.0756% | 3,807 |
| Net loans and leases to total assets | 76.1969% | 575 |
| Net loans and leases to deposits | 88.8053% | 730 |
| Net loans and leases to core deposits | 94.3649% | 889 |
| Total domestic deposits to total assets | 85.8022% | 2,801 |
| Equity capital to assets | 11.6390% | 1,551 |
| Core capital (leverage) ratio | 10.5836% | 1,893 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.6003% | 566 |
| Memoranda: | ||
| Average total assets | $42,853,333 | 4,733 |
| Average earning assets | $36,951,667 | 4,746 |
| Average equity | $5,058,000 | 4,722 |
| Average total loans | $28,338,333 | 4,498 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4845% | 65 |
| Cost of funding earning assets | 0.2146% | 3,780 |
| Net interest margin | 6.2699% | 53 |
| Noninterest income to average assets | 1.2886% | 763 |
| Noninterest expense to average assets | 5.9355% | 121 |
| Loan and lease loss provision to assets | 0.1218% | 1,126 |
| Net operating income to assets | 0.5682% | 4,024 |
| Return on assets (ROA) | 0.5682% | 4,076 |
| Pretax return on assets | 0.5682% | 4,247 |
| Return on Equity (ROE) | 4.7720% | 4,134 |
| Retained earnings to average equity (ytd only) | 0.0852% | 4,358 |
| Net charge-offs to loans | -0.1543% | 4,740 |
| Credit loss provision to net charge-offs | -133.3333% | 2,873 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.1271% | 401 |
| Assets per employee ($millions) | 2.7534% | 4,850 |
| Cash dividends to net income (ytd only)* | 98.2143% | 432 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4943% | 1,630 |
| Loan loss allowance to noncurrent loans | 678.5714% | 918 |
| Noncurrent assets plus other real estate owned to assets | 0.1356% | 3,495 |
| Noncurrent loans to loans | 0.2202% | 3,314 |
| Net loans and leases to total assets | 60.6523% | 2,454 |
| Net loans and leases to deposits | 68.8395% | 2,618 |
| Net loans and leases to core deposits | 75.2772% | 2,408 |
| Total domestic deposits to total assets | 88.1068% | 1,786 |
| Equity capital to assets | 11.3363% | 1,634 |
| Core capital (leverage) ratio | 10.2883% | 2,262 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0735% | 1,276 |
| Memoranda: | ||
| Average total assets | $39,424,000 | 4,793 |
| Average earning assets | $33,557,000 | 4,805 |
| Average equity | $4,694,000 | 4,775 |
| Average total loans | $23,328,000 | 4,630 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4029% | 34 |
| Cost of funding earning assets | 0.7483% | 1,457 |
| Net interest margin | 6.6545% | 29 |
| Noninterest income to average assets | 1.3782% | 614 |
| Noninterest expense to average assets | 5.6945% | 144 |
| Loan and lease loss provision to assets | 0.0997% | 3,093 |
| Net operating income to assets | 1.1464% | 1,739 |
| Return on assets (ROA) | 1.1489% | 1,855 |
| Pretax return on assets | 1.1489% | 2,521 |
| Return on Equity (ROE) | 9.8500% | 2,060 |
| Retained earnings to average equity (ytd only) | -2.1153% | 4,714 |
| Net charge-offs to loans | 0.0041% | 3,217 |
| Credit loss provision to net charge-offs | 4,000.0000% | 261 |
| Earnings coverage of net charge-offs (x) | 500.0000% | 234 |
| Efficiency ratio | 81.4004% | 787 |
| Assets per employee ($millions) | 2.6819% | 4,871 |
| Cash dividends to net income (ytd only)* | 121.4751% | 153 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6913% | 1,060 |
| Loan loss allowance to noncurrent loans | 249.3056% | 1,973 |
| Noncurrent assets plus other real estate owned to assets | 0.3835% | 2,450 |
| Noncurrent loans to loans | 0.6784% | 1,990 |
| Net loans and leases to total assets | 55.5757% | 3,340 |
| Net loans and leases to deposits | 64.8809% | 3,369 |
| Net loans and leases to core deposits | 70.0117% | 3,251 |
| Total domestic deposits to total assets | 85.6580% | 2,507 |
| Equity capital to assets | 12.5336% | 1,302 |
| Core capital (leverage) ratio | 10.1347% | 2,482 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5777% | 1,130 |
| Memoranda: | ||
| Average total assets | $40,126,200 | 4,773 |
| Average earning assets | $33,541,000 | 4,803 |
| Average equity | $4,680,200 | 4,787 |
| Average total loans | $24,291,200 | 4,631 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5126% | 33 |
| Cost of funding earning assets | 0.7964% | 1,518 |
| Net interest margin | 6.7162% | 30 |
| Noninterest income to average assets | 1.3114% | 629 |
| Noninterest expense to average assets | 5.6411% | 143 |
| Loan and lease loss provision to assets | 0.0858% | 3,238 |
| Net operating income to assets | 1.1838% | 1,695 |
| Return on assets (ROA) | 1.1871% | 1,806 |
| Pretax return on assets | 1.1871% | 2,432 |
| Return on Equity (ROE) | 10.3555% | 1,887 |
| Retained earnings to average equity (ytd only) | -3.4803% | 4,794 |
| Net charge-offs to loans | -0.0106% | 4,234 |
| Credit loss provision to net charge-offs | -1,300.0000% | 3,980 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.0222% | 795 |
| Assets per employee ($millions) | 2.8801% | 4,861 |
| Cash dividends to net income (ytd only)* | 133.6088% | 128 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4146% | 1,675 |
| Loan loss allowance to noncurrent loans | 158.9041% | 2,604 |
| Noncurrent assets plus other real estate owned to assets | 0.5431% | 2,079 |
| Noncurrent loans to loans | 0.8902% | 1,680 |
| Net loans and leases to total assets | 60.1458% | 3,215 |
| Net loans and leases to deposits | 80.2860% | 2,287 |
| Net loans and leases to core deposits | 87.0777% | 2,226 |
| Total domestic deposits to total assets | 74.9144% | 4,507 |
| Equity capital to assets | 11.6140% | 1,929 |
| Core capital (leverage) ratio | 9.8479% | 2,874 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $40,771,000 | 4,787 |
| Average earning assets | $33,986,500 | 4,823 |
| Average equity | $4,673,750 | 4,812 |
| Average total loans | $25,057,500 | 4,639 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.7189% | 36 |
| Cost of funding earning assets | 0.8609% | 1,539 |
| Net interest margin | 6.8580% | 34 |
| Noninterest income to average assets | 1.3343% | 580 |
| Noninterest expense to average assets | 5.5962% | 151 |
| Loan and lease loss provision to assets | 0.0587% | 3,566 |
| Net operating income to assets | 1.3636% | 1,192 |
| Return on assets (ROA) | 1.3685% | 1,276 |
| Pretax return on assets | 1.3685% | 1,805 |
| Return on Equity (ROE) | 11.9897% | 1,335 |
| Retained earnings to average equity (ytd only) | -5.2241% | 4,780 |
| Net charge-offs to loans | -0.0238% | 4,463 |
| Credit loss provision to net charge-offs | -400.0000% | 3,578 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.1086% | 951 |
| Assets per employee ($millions) | 2.8922% | 4,881 |
| Cash dividends to net income (ytd only)* | 143.5714% | 219 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3487% | 1,783 |
| Loan loss allowance to noncurrent loans | 131.8898% | 2,797 |
| Noncurrent assets plus other real estate owned to assets | 0.6273% | 1,940 |
| Noncurrent loans to loans | 1.0226% | 1,521 |
| Net loans and leases to total assets | 60.5172% | 3,264 |
| Net loans and leases to deposits | 82.1896% | 2,186 |
| Net loans and leases to core deposits | 88.1122% | 2,234 |
| Total domestic deposits to total assets | 73.6312% | 4,616 |
| Equity capital to assets | 11.4519% | 2,004 |
| Core capital (leverage) ratio | 9.0737% | 3,830 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7569% | 1,304 |
| Memoranda: | ||
| Average total assets | $40,920,667 | 4,804 |
| Average earning assets | $33,916,667 | 4,842 |
| Average equity | $4,670,667 | 4,838 |
| Average total loans | $25,210,000 | 4,660 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.8727% | 44 |
| Cost of funding earning assets | 0.9826% | 1,503 |
| Net interest margin | 6.8901% | 41 |
| Noninterest income to average assets | 1.4489% | 427 |
| Noninterest expense to average assets | 5.4260% | 180 |
| Loan and lease loss provision to assets | 0.0194% | 3,550 |
| Net operating income to assets | 1.6628% | 548 |
| Return on assets (ROA) | 1.6725% | 595 |
| Pretax return on assets | 1.6725% | 904 |
| Return on Equity (ROE) | 14.6773% | 594 |
| Retained earnings to average equity (ytd only) | 6.6560% | 1,662 |
| Net charge-offs to loans | -0.2205% | 4,953 |
| Credit loss provision to net charge-offs | -14.2857% | 3,094 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7866% | 1,586 |
| Assets per employee ($millions) | 2.9297% | 4,822 |
| Cash dividends to net income (ytd only)* | 54.6512% | 1,513 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3903% | 1,735 |
| Loan loss allowance to noncurrent loans | 163.1068% | 2,396 |
| Noncurrent assets plus other real estate owned to assets | 0.5022% | 2,490 |
| Noncurrent loans to loans | 0.8524% | 1,911 |
| Net loans and leases to total assets | 58.1017% | 3,661 |
| Net loans and leases to deposits | 77.1829% | 2,955 |
| Net loans and leases to core deposits | 82.4631% | 2,982 |
| Total domestic deposits to total assets | 75.2779% | 4,558 |
| Equity capital to assets | 11.5077% | 2,431 |
| Core capital (leverage) ratio | 10.3750% | 3,079 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7917% | 1,399 |
| Memoranda: | ||
| Average total assets | $41,135,500 | 4,832 |
| Average earning assets | $33,787,500 | 4,878 |
| Average equity | $4,687,500 | 4,874 |
| Average total loans | $25,395,500 | 4,685 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5350% | 53 |
| Cost of funding earning assets | 1.4552% | 454 |
| Net interest margin | 6.0797% | 61 |
| Noninterest income to average assets | 1.7418% | 326 |
| Noninterest expense to average assets | 5.3378% | 175 |
| Loan and lease loss provision to assets | 0.3886% | 373 |
| Net operating income to assets | 1.2385% | 1,912 |
| Return on assets (ROA) | 1.2408% | 1,984 |
| Pretax return on assets | 1.2408% | 2,701 |
| Return on Equity (ROE) | 11.7705% | 1,595 |
| Retained earnings to average equity (ytd only) | 0.0888% | 4,664 |
| Net charge-offs to loans | 0.3613% | 552 |
| Credit loss provision to net charge-offs | 172.9167% | 1,501 |
| Earnings coverage of net charge-offs (x) | 7.2396% | 2,893 |
| Efficiency ratio | 76.0336% | 1,366 |
| Assets per employee ($millions) | 2.9468% | 4,850 |
| Cash dividends to net income (ytd only)* | 99.2453% | 317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2019% | 2,429 |
| Loan loss allowance to noncurrent loans | 80.4020% | 3,583 |
| Noncurrent assets plus other real estate owned to assets | 0.9647% | 1,307 |
| Noncurrent loans to loans | 1.4949% | 970 |
| Net loans and leases to total assets | 63.7595% | 3,231 |
| Net loans and leases to deposits | 78.9412% | 2,909 |
| Net loans and leases to core deposits | 93.4323% | 2,117 |
| Total domestic deposits to total assets | 80.7684% | 3,817 |
| Equity capital to assets | 11.2835% | 2,726 |
| Core capital (leverage) ratio | 9.3452% | 4,231 |
| Tier 1 risk-based capital ratio | 14.6431% | 2,933 |
| Total risk-based capital ratio | 15.8032% | 2,898 |
| Memoranda: | ||
| Average total assets | $42,714,200 | 4,856 |
| Average earning assets | $36,695,600 | 4,883 |
| Average equity | $4,502,800 | 4,941 |
| Average total loans | $26,569,000 | 4,720 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3699% | 59 |
| Cost of funding earning assets | 1.4188% | 542 |
| Net interest margin | 5.9511% | 68 |
| Noninterest income to average assets | 1.8230% | 307 |
| Noninterest expense to average assets | 5.1346% | 196 |
| Loan and lease loss provision to assets | 0.4054% | 325 |
| Net operating income to assets | 1.4237% | 1,401 |
| Return on assets (ROA) | 1.4268% | 1,447 |
| Pretax return on assets | 1.4268% | 2,201 |
| Return on Equity (ROE) | 13.7667% | 1,035 |
| Retained earnings to average equity (ytd only) | -0.5375% | 4,814 |
| Net charge-offs to loans | 0.4619% | 367 |
| Credit loss provision to net charge-offs | 142.3913% | 1,706 |
| Earnings coverage of net charge-offs (x) | 6.4241% | 2,840 |
| Efficiency ratio | 73.1556% | 1,680 |
| Assets per employee ($millions) | 3.2796% | 4,684 |
| Cash dividends to net income (ytd only)* | 103.9047% | 285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9877% | 3,643 |
| Loan loss allowance to noncurrent loans | 69.9758% | 3,824 |
| Noncurrent assets plus other real estate owned to assets | 0.8995% | 1,504 |
| Noncurrent loans to loans | 1.4114% | 1,079 |
| Net loans and leases to total assets | 63.1006% | 3,377 |
| Net loans and leases to deposits | 90.6962% | 1,605 |
| Net loans and leases to core deposits | 112.4777% | 820 |
| Total domestic deposits to total assets | 69.5736% | 5,011 |
| Equity capital to assets | 10.0383% | 3,980 |
| Core capital (leverage) ratio | 8.9223% | 4,692 |
| Tier 1 risk-based capital ratio | 13.2986% | 3,688 |
| Total risk-based capital ratio | 14.2564% | 3,745 |
| Memoranda: | ||
| Average total assets | $43,079,000 | 4,922 |
| Average earning assets | $37,213,500 | 4,950 |
| Average equity | $4,464,750 | 5,014 |
| Average total loans | $26,555,250 | 4,787 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1131% | 68 |
| Cost of funding earning assets | 1.3580% | 619 |
| Net interest margin | 5.7551% | 83 |
| Noninterest income to average assets | 2.0838% | 251 |
| Noninterest expense to average assets | 5.1597% | 200 |
| Loan and lease loss provision to assets | 0.5411% | 206 |
| Net operating income to assets | 1.3718% | 1,510 |
| Return on assets (ROA) | 1.3718% | 1,567 |
| Pretax return on assets | 1.3718% | 2,298 |
| Return on Equity (ROE) | 13.0868% | 1,209 |
| Retained earnings to average equity (ytd only) | -6.7924% | 5,114 |
| Net charge-offs to loans | 0.4444% | 367 |
| Credit loss provision to net charge-offs | 200.0000% | 1,195 |
| Earnings coverage of net charge-offs (x) | 7.0702% | 2,523 |
| Efficiency ratio | 72.3490% | 1,869 |
| Assets per employee ($millions) | 3.1099% | 4,834 |
| Cash dividends to net income (ytd only)* | 151.9031% | 141 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1229% | 2,943 |
| Loan loss allowance to noncurrent loans | 388.6076% | 1,248 |
| Noncurrent assets plus other real estate owned to assets | 0.1815% | 3,857 |
| Noncurrent loans to loans | 0.2889% | 3,495 |
| Net loans and leases to total assets | 62.0929% | 3,536 |
| Net loans and leases to deposits | 81.3689% | 2,803 |
| Net loans and leases to core deposits | 100.6253% | 1,665 |
| Total domestic deposits to total assets | 76.3103% | 4,634 |
| Equity capital to assets | 10.2118% | 3,787 |
| Core capital (leverage) ratio | 9.3904% | 4,257 |
| Tier 1 risk-based capital ratio | 13.4913% | 3,588 |
| Total risk-based capital ratio | 14.5596% | 3,583 |
| Memoranda: | ||
| Average total assets | $42,134,000 | 4,978 |
| Average earning assets | $36,524,000 | 4,999 |
| Average equity | $4,416,670 | 5,053 |
| Average total loans | $25,653,330 | 4,839 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0730% | 70 |
| Cost of funding earning assets | 1.4035% | 455 |
| Net interest margin | 5.6696% | 92 |
| Noninterest income to average assets | 1.6509% | 326 |
| Noninterest expense to average assets | 5.0396% | 199 |
| Loan and lease loss provision to assets | 0.3862% | 301 |
| Net operating income to assets | 1.1392% | 2,314 |
| Return on assets (ROA) | 1.1392% | 2,364 |
| Pretax return on assets | 1.1392% | 3,018 |
| Return on Equity (ROE) | 10.7224% | 2,074 |
| Retained earnings to average equity (ytd only) | -6.2699% | 4,984 |
| Net charge-offs to loans | 0.3386% | 456 |
| Credit loss provision to net charge-offs | 190.4762% | 1,082 |
| Earnings coverage of net charge-offs (x) | 7.5238% | 2,129 |
| Efficiency ratio | 76.1765% | 1,478 |
| Assets per employee ($millions) | 3.1555% | 4,868 |
| Cash dividends to net income (ytd only)* | 158.4746% | 297 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1164% | 3,036 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 58.0810% | 3,878 |
| Net loans and leases to deposits | 73.3446% | 3,504 |
| Net loans and leases to core deposits | 85.6927% | 2,893 |
| Total domestic deposits to total assets | 79.1892% | 4,322 |
| Equity capital to assets | 10.7552% | 3,096 |
| Core capital (leverage) ratio | 9.4544% | 4,190 |
| Tier 1 risk-based capital ratio | 15.0688% | 2,861 |
| Total risk-based capital ratio | 16.0942% | 2,876 |
| Memoranda: | ||
| Average total assets | $41,432,000 | 5,038 |
| Average earning assets | $35,911,000 | 5,061 |
| Average equity | $4,402,000 | 5,102 |
| Average total loans | $24,809,500 | 4,908 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2208% | 124 |
| Cost of funding earning assets | 0.8380% | 1,351 |
| Net interest margin | 5.3828% | 137 |
| Noninterest income to average assets | 1.2386% | 607 |
| Noninterest expense to average assets | 4.7458% | 247 |
| Loan and lease loss provision to assets | 0.1577% | 1,312 |
| Net operating income to assets | 1.0071% | 2,975 |
| Return on assets (ROA) | 1.0071% | 2,961 |
| Pretax return on assets | 1.0071% | 3,571 |
| Return on Equity (ROE) | 9.1675% | 2,908 |
| Retained earnings to average equity (ytd only) | 1.2733% | 4,623 |
| Net charge-offs to loans | 0.2153% | 892 |
| Credit loss provision to net charge-offs | 147.6190% | 1,856 |
| Earnings coverage of net charge-offs (x) | 10.9048% | 2,671 |
| Efficiency ratio | 79.5181% | 999 |
| Assets per employee ($millions) | 3.2186% | 4,812 |
| Cash dividends to net income (ytd only)* | 86.1111% | 528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9795% | 3,812 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 60.4034% | 3,727 |
| Net loans and leases to deposits | 88.8897% | 1,942 |
| Net loans and leases to core deposits | 92.7350% | 2,344 |
| Total domestic deposits to total assets | 67.9533% | 5,211 |
| Equity capital to assets | 10.4966% | 3,195 |
| Core capital (leverage) ratio | 10.0012% | 3,574 |
| Tier 1 risk-based capital ratio | 15.1212% | 2,771 |
| Total risk-based capital ratio | 16.0620% | 2,845 |
| Memoranda: | ||
| Average total assets | $39,319,200 | 5,108 |
| Average earning assets | $34,127,400 | 5,127 |
| Average equity | $4,319,600 | 5,134 |
| Average total loans | $19,510,200 | 5,086 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8419% | 199 |
| Cost of funding earning assets | 0.7133% | 1,780 |
| Net interest margin | 5.1286% | 206 |
| Noninterest income to average assets | 1.2544% | 609 |
| Noninterest expense to average assets | 4.5732% | 273 |
| Loan and lease loss provision to assets | 0.1413% | 1,414 |
| Net operating income to assets | 0.9753% | 3,194 |
| Return on assets (ROA) | 0.9753% | 3,205 |
| Pretax return on assets | 0.9753% | 3,799 |
| Return on Equity (ROE) | 8.7718% | 3,209 |
| Retained earnings to average equity (ytd only) | 0.4340% | 4,962 |
| Net charge-offs to loans | 0.2148% | 792 |
| Credit loss provision to net charge-offs | 141.3793% | 1,789 |
| Earnings coverage of net charge-offs (x) | 11.1712% | 2,536 |
| Efficiency ratio | 79.5881% | 985 |
| Assets per employee ($millions) | 3.0634% | 4,994 |
| Cash dividends to net income (ytd only)* | 95.0546% | 314 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0817% | 3,292 |
| Loan loss allowance to noncurrent loans | 1,423.5294% | 441 |
| Noncurrent assets plus other real estate owned to assets | 0.0427% | 4,759 |
| Noncurrent loans to loans | 0.0760% | 4,538 |
| Net loans and leases to total assets | 55.5695% | 4,248 |
| Net loans and leases to deposits | 78.5337% | 3,186 |
| Net loans and leases to core deposits | 80.1028% | 3,487 |
| Total domestic deposits to total assets | 70.7588% | 5,192 |
| Equity capital to assets | 10.6820% | 2,953 |
| Core capital (leverage) ratio | 10.5004% | 3,085 |
| Tier 1 risk-based capital ratio | 16.7807% | 2,175 |
| Total risk-based capital ratio | 17.8031% | 2,196 |
| Memoranda: | ||
| Average total assets | $38,688,500 | 5,183 |
| Average earning assets | $33,458,500 | 5,207 |
| Average equity | $4,301,500 | 5,205 |
| Average total loans | $18,006,750 | 5,180 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2508% | 510 |
| Cost of funding earning assets | 0.5841% | 2,335 |
| Net interest margin | 4.6667% | 480 |
| Noninterest income to average assets | 1.1746% | 694 |
| Noninterest expense to average assets | 4.4114% | 322 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.8092% | 3,826 |
| Return on assets (ROA) | 0.8092% | 3,829 |
| Pretax return on assets | 0.8092% | 4,218 |
| Return on Equity (ROE) | 7.1804% | 3,842 |
| Retained earnings to average equity (ytd only) | -1.8067% | 5,132 |
| Net charge-offs to loans | 0.0725% | 1,609 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 25.8333% | 1,624 |
| Efficiency ratio | 83.6000% | 714 |
| Assets per employee ($millions) | 2.2773% | 5,396 |
| Cash dividends to net income (ytd only)* | 125.1613% | 208 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2329% | 2,535 |
| Loan loss allowance to noncurrent loans | 260.4651% | 1,841 |
| Noncurrent assets plus other real estate owned to assets | 0.2518% | 3,754 |
| Noncurrent loans to loans | 0.4734% | 3,014 |
| Net loans and leases to total assets | 52.5293% | 4,444 |
| Net loans and leases to deposits | 72.9105% | 3,640 |
| Net loans and leases to core deposits | 74.5833% | 3,838 |
| Total domestic deposits to total assets | 72.0463% | 5,181 |
| Equity capital to assets | 12.3946% | 1,596 |
| Core capital (leverage) ratio | 11.5019% | 2,076 |
| Tier 1 risk-based capital ratio | 19.2374% | 1,491 |
| Total risk-based capital ratio | 20.3381% | 1,496 |
| Memoranda: | ||
| Average total assets | $38,310,000 | 5,249 |
| Average earning assets | $33,214,000 | 5,275 |
| Average equity | $4,317,330 | 5,255 |
| Average total loans | $16,551,670 | 5,280 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8196% | 1,035 |
| Cost of funding earning assets | 0.5456% | 2,438 |
| Net interest margin | 4.2740% | 999 |
| Noninterest income to average assets | 0.8023% | 1,449 |
| Noninterest expense to average assets | 3.8925% | 596 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.6339% | 4,323 |
| Return on assets (ROA) | 0.6339% | 4,336 |
| Pretax return on assets | 0.6339% | 4,602 |
| Return on Equity (ROE) | 5.8729% | 4,201 |
| Retained earnings to average equity (ytd only) | -5.0470% | 5,209 |
| Net charge-offs to loans | -0.0508% | 4,971 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.1204% | 705 |
| Assets per employee ($millions) | 3.4498% | 4,728 |
| Cash dividends to net income (ytd only)* | 185.9375% | 214 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6109% | 1,134 |
| Loan loss allowance to noncurrent loans | 1,364.7059% | 470 |
| Noncurrent assets plus other real estate owned to assets | 0.0448% | 4,882 |
| Noncurrent loans to loans | 0.1180% | 4,436 |
| Net loans and leases to total assets | 37.3406% | 5,163 |
| Net loans and leases to deposits | 48.3057% | 5,033 |
| Net loans and leases to core deposits | 50.2358% | 5,036 |
| Total domestic deposits to total assets | 77.3005% | 4,829 |
| Equity capital to assets | 11.2101% | 2,381 |
| Core capital (leverage) ratio | 9.6793% | 3,870 |
| Tier 1 risk-based capital ratio | 22.1175% | 1,035 |
| Total risk-based capital ratio | 23.3670% | 1,018 |
| Memoranda: | ||
| Average total assets | $40,385,000 | 5,271 |
| Average earning assets | $35,189,500 | 5,290 |
| Average equity | $4,359,000 | 5,305 |
| Average total loans | $15,743,500 | 5,359 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3768% | 319 |
| Cost of funding earning assets | 0.5158% | 2,204 |
| Net interest margin | 4.8611% | 300 |
| Noninterest income to average assets | 1.1118% | 823 |
| Noninterest expense to average assets | 4.1626% | 437 |
| Loan and lease loss provision to assets | 0.0859% | 2,478 |
| Net operating income to assets | 1.0903% | 1,889 |
| Return on assets (ROA) | 1.0903% | 1,912 |
| Pretax return on assets | 1.0903% | 3,227 |
| Return on Equity (ROE) | 9.2813% | 2,182 |
| Retained earnings to average equity (ytd only) | 2.6289% | 3,746 |
| Net charge-offs to loans | 0.3355% | 758 |
| Credit loss provision to net charge-offs | 56.1404% | 3,261 |
| Earnings coverage of net charge-offs (x) | 7.6842% | 3,014 |
| Efficiency ratio | 77.0624% | 1,475 |
| Assets per employee ($millions) | 4.2822% | 3,518 |
| Cash dividends to net income (ytd only)* | 71.6749% | 1,187 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3462% | 1,991 |
| Loan loss allowance to noncurrent loans | 793.1034% | 772 |
| Noncurrent assets plus other real estate owned to assets | 0.0677% | 4,790 |
| Noncurrent loans to loans | 0.1697% | 4,240 |
| Net loans and leases to total assets | 39.3606% | 5,158 |
| Net loans and leases to deposits | 44.8212% | 5,224 |
| Net loans and leases to core deposits | 47.5070% | 5,207 |
| Total domestic deposits to total assets | 87.8170% | 1,599 |
| Equity capital to assets | 10.4245% | 3,238 |
| Core capital (leverage) ratio | 9.3081% | 4,280 |
| Tier 1 risk-based capital ratio | 20.3863% | 1,253 |
| Total risk-based capital ratio | 21.5710% | 1,228 |
| Memoranda: | ||
| Average total assets | $37,236,000 | 5,374 |
| Average earning assets | $32,379,600 | 5,397 |
| Average equity | $4,374,400 | 5,365 |
| Average total loans | $16,991,000 | 5,388 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3314% | 326 |
| Cost of funding earning assets | 0.4831% | 2,407 |
| Net interest margin | 4.8482% | 301 |
| Noninterest income to average assets | 0.9747% | 1,082 |
| Noninterest expense to average assets | 4.1517% | 428 |
| Loan and lease loss provision to assets | -0.0521% | 5,529 |
| Net operating income to assets | 1.0937% | 2,117 |
| Return on assets (ROA) | 1.0937% | 2,172 |
| Pretax return on assets | 1.0937% | 3,325 |
| Return on Equity (ROE) | 9.0071% | 2,592 |
| Retained earnings to average equity (ytd only) | 2.2364% | 4,520 |
| Net charge-offs to loans | 0.0865% | 1,930 |
| Credit loss provision to net charge-offs | -127.2727% | 4,547 |
| Earnings coverage of net charge-offs (x) | 25.4479% | 1,728 |
| Efficiency ratio | 79.0115% | 1,214 |
| Assets per employee ($millions) | 4.1890% | 3,673 |
| Cash dividends to net income (ytd only)* | 75.1703% | 786 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2628% | 2,564 |
| Loan loss allowance to noncurrent loans | 315.0685% | 1,520 |
| Noncurrent assets plus other real estate owned to assets | 0.1743% | 4,406 |
| Noncurrent loans to loans | 0.4008% | 3,508 |
| Net loans and leases to total assets | 42.9291% | 5,079 |
| Net loans and leases to deposits | 48.9680% | 5,162 |
| Net loans and leases to core deposits | 50.5169% | 5,184 |
| Total domestic deposits to total assets | 87.6677% | 1,534 |
| Equity capital to assets | 10.7997% | 3,060 |
| Core capital (leverage) ratio | 8.6805% | 5,079 |
| Tier 1 risk-based capital ratio | 19.9460% | 1,369 |
| Total risk-based capital ratio | 21.1178% | 1,354 |
| Memoranda: | ||
| Average total assets | $35,839,500 | 5,460 |
| Average earning assets | $31,185,750 | 5,482 |
| Average equity | $4,352,000 | 5,425 |
| Average total loans | $16,967,500 | 5,449 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2143% | 388 |
| Cost of funding earning assets | 0.4328% | 2,775 |
| Net interest margin | 4.7815% | 336 |
| Noninterest income to average assets | 1.0880% | 845 |
| Noninterest expense to average assets | 4.3639% | 348 |
| Loan and lease loss provision to assets | -0.0887% | 5,637 |
| Net operating income to assets | 0.9284% | 2,770 |
| Return on assets (ROA) | 0.9284% | 2,825 |
| Pretax return on assets | 0.9284% | 3,838 |
| Return on Equity (ROE) | 7.3114% | 3,387 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,071 |
| Net charge-offs to loans | 0.2175% | 944 |
| Credit loss provision to net charge-offs | -83.3333% | 4,330 |
| Earnings coverage of net charge-offs (x) | 7.8889% | 2,564 |
| Efficiency ratio | 82.8409% | 933 |
| Assets per employee ($millions) | 4.9424% | 2,461 |
| Cash dividends to net income (ytd only)* | 100.0000% | 478 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3015% | 2,404 |
| Loan loss allowance to noncurrent loans | 189.7436% | 2,340 |
| Noncurrent assets plus other real estate owned to assets | 0.2367% | 4,201 |
| Noncurrent loans to loans | 0.6859% | 2,697 |
| Net loans and leases to total assets | 34.0624% | 5,443 |
| Net loans and leases to deposits | 38.3197% | 5,498 |
| Net loans and leases to core deposits | 38.8512% | 5,526 |
| Total domestic deposits to total assets | 88.8900% | 1,014 |
| Equity capital to assets | 8.9997% | 4,903 |
| Core capital (leverage) ratio | 8.9387% | 4,791 |
| Tier 1 risk-based capital ratio | 16.9710% | 2,160 |
| Total risk-based capital ratio | 17.9527% | 2,197 |
| Memoranda: | ||
| Average total assets | $33,822,670 | 5,544 |
| Average earning assets | $29,112,330 | 5,556 |
| Average equity | $4,294,670 | 5,474 |
| Average total loans | $16,552,330 | 5,512 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3182% | 87 |
| Cost of funding earning assets | 0.3902% | 3,098 |
| Net interest margin | 5.9280% | 81 |
| Noninterest income to average assets | 1.4449% | 515 |
| Noninterest expense to average assets | 5.5338% | 190 |
| Loan and lease loss provision to assets | -0.2306% | 5,798 |
| Net operating income to assets | 1.0453% | 2,090 |
| Return on assets (ROA) | 1.0453% | 2,142 |
| Pretax return on assets | 1.0453% | 3,181 |
| Return on Equity (ROE) | 6.4486% | 3,690 |
| Retained earnings to average equity (ytd only) | 0.0000% | 4,911 |
| Net charge-offs to loans | -0.3681% | 5,710 |
| Credit loss provision to net charge-offs | 100.0000% | 1,560 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.1985% | 793 |
| Assets per employee ($millions) | 2.2102% | 5,706 |
| Cash dividends to net income (ytd only)* | 100.0000% | 695 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7239% | 1,101 |
| Loan loss allowance to noncurrent loans | 223.6842% | 2,065 |
| Noncurrent assets plus other real estate owned to assets | 0.4689% | 3,337 |
| Noncurrent loans to loans | 0.7707% | 2,542 |
| Net loans and leases to total assets | 59.7935% | 3,808 |
| Net loans and leases to deposits | 75.6426% | 3,239 |
| Net loans and leases to core deposits | 80.2351% | 3,274 |
| Total domestic deposits to total assets | 79.0474% | 4,814 |
| Equity capital to assets | 17.3659% | 350 |
| Core capital (leverage) ratio | 14.4948% | 714 |
| Tier 1 risk-based capital ratio | 20.8407% | 1,242 |
| Total risk-based capital ratio | 22.0910% | 1,219 |
| Memoranda: | ||
| Average total assets | $26,022,000 | 5,713 |
| Average earning assets | $21,525,000 | 5,725 |
| Average equity | $4,218,000 | 5,545 |
| Average total loans | $16,300,000 | 5,584 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1019% | 55 |
| Cost of funding earning assets | 0.4789% | 2,267 |
| Net interest margin | 6.6230% | 51 |
| Noninterest income to average assets | 1.2046% | 782 |
| Noninterest expense to average assets | 5.4059% | 219 |
| Loan and lease loss provision to assets | 0.2734% | 734 |
| Net operating income to assets | 1.1972% | 1,526 |
| Return on assets (ROA) | 1.2452% | 1,453 |
| Pretax return on assets | 1.2452% | 2,493 |
| Return on Equity (ROE) | 7.8533% | 3,027 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,302 |
| Net charge-offs to loans | 0.1061% | 2,207 |
| Credit loss provision to net charge-offs | 389.4737% | 813 |
| Earnings coverage of net charge-offs (x) | 20.9474% | 1,825 |
| Efficiency ratio | 77.6464% | 1,750 |
| Assets per employee ($millions) | 2.5211% | 5,652 |
| Cash dividends to net income (ytd only)* | 100.0000% | 359 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4319% | 1,951 |
| Loan loss allowance to noncurrent loans | 404.7619% | 1,263 |
| Noncurrent assets plus other real estate owned to assets | 0.2272% | 4,399 |
| Noncurrent loans to loans | 0.3538% | 3,867 |
| Net loans and leases to total assets | 63.2951% | 3,437 |
| Net loans and leases to deposits | 97.9739% | 825 |
| Net loans and leases to core deposits | 107.2528% | 1,053 |
| Total domestic deposits to total assets | 64.6041% | 5,782 |
| Equity capital to assets | 15.1954% | 612 |
| Core capital (leverage) ratio | 12.8848% | 1,177 |
| Tier 1 risk-based capital ratio | 20.1259% | 1,353 |
| Total risk-based capital ratio | 21.3734% | 1,327 |
| Memoranda: | ||
| Average total assets | $27,063,000 | 5,758 |
| Average earning assets | $23,176,800 | 5,757 |
| Average equity | $4,291,200 | 5,588 |
| Average total loans | $17,915,600 | 5,577 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0394% | 54 |
| Cost of funding earning assets | 0.4235% | 2,800 |
| Net interest margin | 6.6158% | 47 |
| Noninterest income to average assets | 1.1947% | 811 |
| Noninterest expense to average assets | 5.3588% | 219 |
| Loan and lease loss provision to assets | 0.3619% | 433 |
| Net operating income to assets | 1.2046% | 1,630 |
| Return on assets (ROA) | 1.2690% | 1,484 |
| Pretax return on assets | 1.2690% | 2,540 |
| Return on Equity (ROE) | 7.9183% | 3,053 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,345 |
| Net charge-offs to loans | 0.1561% | 1,443 |
| Credit loss provision to net charge-offs | 347.6190% | 934 |
| Earnings coverage of net charge-offs (x) | 15.0471% | 2,206 |
| Efficiency ratio | 76.4495% | 1,911 |
| Assets per employee ($millions) | 2.5106% | 5,716 |
| Cash dividends to net income (ytd only)* | 100.0000% | 392 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3115% | 2,624 |
| Loan loss allowance to noncurrent loans | 1,145.4545% | 523 |
| Noncurrent assets plus other real estate owned to assets | 0.0797% | 5,118 |
| Noncurrent loans to loans | 0.1145% | 4,882 |
| Net loans and leases to total assets | 68.6642% | 2,699 |
| Net loans and leases to deposits | 109.6634% | 267 |
| Net loans and leases to core deposits | 118.5780% | 555 |
| Total domestic deposits to total assets | 62.6136% | 5,863 |
| Equity capital to assets | 15.6353% | 610 |
| Core capital (leverage) ratio | 13.6444% | 957 |
| Tier 1 risk-based capital ratio | 19.2428% | 1,614 |
| Total risk-based capital ratio | 20.4890% | 1,572 |
| Memoranda: | ||
| Average total assets | $26,895,750 | 5,820 |
| Average earning assets | $23,297,000 | 5,817 |
| Average equity | $4,310,500 | 5,650 |
| Average total loans | $17,942,500 | 5,634 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6568% | 68 |
| Cost of funding earning assets | 0.3554% | 3,508 |
| Net interest margin | 6.3015% | 59 |
| Noninterest income to average assets | 1.1930% | 792 |
| Noninterest expense to average assets | 5.2747% | 235 |
| Loan and lease loss provision to assets | 0.3151% | 555 |
| Net operating income to assets | 1.0579% | 2,140 |
| Return on assets (ROA) | 1.1555% | 1,864 |
| Pretax return on assets | 1.1555% | 2,966 |
| Return on Equity (ROE) | 7.1495% | 3,461 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,286 |
| Net charge-offs to loans | 0.0685% | 2,208 |
| Credit loss provision to net charge-offs | 700.0000% | 502 |
| Earnings coverage of net charge-offs (x) | 30.5000% | 1,377 |
| Efficiency ratio | 78.3296% | 1,740 |
| Assets per employee ($millions) | 2.5604% | 5,758 |
| Cash dividends to net income (ytd only)* | 100.0000% | 506 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3585% | 2,494 |
| Loan loss allowance to noncurrent loans | 174.8148% | 2,550 |
| Noncurrent assets plus other real estate owned to assets | 0.5273% | 3,450 |
| Noncurrent loans to loans | 0.7771% | 2,806 |
| Net loans and leases to total assets | 66.9270% | 2,951 |
| Net loans and leases to deposits | 101.9879% | 565 |
| Net loans and leases to core deposits | 105.1159% | 1,247 |
| Total domestic deposits to total assets | 65.6226% | 5,897 |
| Equity capital to assets | 16.8841% | 446 |
| Core capital (leverage) ratio | 14.3850% | 732 |
| Tier 1 risk-based capital ratio | 19.9299% | 1,471 |
| Total risk-based capital ratio | 21.1780% | 1,435 |
| Memoranda: | ||
| Average total assets | $26,655,330 | 5,893 |
| Average earning assets | $23,074,000 | 5,892 |
| Average equity | $4,308,000 | 5,715 |
| Average total loans | $17,518,330 | 5,716 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9855% | 125 |
| Cost of funding earning assets | 0.3911% | 3,175 |
| Net interest margin | 5.5944% | 98 |
| Noninterest income to average assets | 1.0596% | 965 |
| Noninterest expense to average assets | 4.8563% | 295 |
| Loan and lease loss provision to assets | 0.1766% | 1,154 |
| Net operating income to assets | 0.8683% | 2,904 |
| Return on assets (ROA) | 0.8683% | 3,023 |
| Pretax return on assets | 0.8683% | 3,973 |
| Return on Equity (ROE) | 5.4877% | 4,235 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,105 |
| Net charge-offs to loans | -0.0227% | 4,920 |
| Credit loss provision to net charge-offs | -1,200.0000% | 4,784 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.2968% | 1,452 |
| Assets per employee ($millions) | 2.4938% | 5,848 |
| Cash dividends to net income (ytd only)* | 100.0000% | 707 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3406% | 2,702 |
| Loan loss allowance to noncurrent loans | 158.9552% | 2,657 |
| Noncurrent assets plus other real estate owned to assets | 0.5373% | 3,466 |
| Noncurrent loans to loans | 0.8434% | 2,738 |
| Net loans and leases to total assets | 62.8599% | 3,404 |
| Net loans and leases to deposits | 83.2325% | 2,397 |
| Net loans and leases to core deposits | 89.4034% | 2,428 |
| Total domestic deposits to total assets | 75.5233% | 5,470 |
| Equity capital to assets | 17.3149% | 394 |
| Core capital (leverage) ratio | 14.1722% | 772 |
| Tier 1 risk-based capital ratio | 19.8939% | 1,525 |
| Total risk-based capital ratio | 21.0587% | 1,509 |
| Memoranda: | ||
| Average total assets | $27,181,000 | 5,951 |
| Average earning assets | $23,523,500 | 5,945 |
| Average equity | $4,300,500 | 5,760 |
| Average total loans | $17,591,500 | 5,765 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8578% | 65 |
| Cost of funding earning assets | 0.4296% | 2,851 |
| Net interest margin | 6.4282% | 55 |
| Noninterest income to average assets | 1.5294% | 535 |
| Noninterest expense to average assets | 5.0626% | 268 |
| Loan and lease loss provision to assets | 0.7699% | 128 |
| Net operating income to assets | 1.3542% | 1,136 |
| Return on assets (ROA) | 1.4366% | 998 |
| Pretax return on assets | 1.4366% | 1,763 |
| Return on Equity (ROE) | 9.7060% | 2,129 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,503 |
| Net charge-offs to loans | 0.1763% | 1,626 |
| Credit loss provision to net charge-offs | 640.0000% | 529 |
| Earnings coverage of net charge-offs (x) | 17.6571% | 2,059 |
| Efficiency ratio | 69.5839% | 3,292 |
| Assets per employee ($millions) | 2.9424% | 5,574 |
| Cash dividends to net income (ytd only)* | 100.0000% | 388 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0366% | 4,405 |
| Loan loss allowance to noncurrent loans | 512.8205% | 1,027 |
| Noncurrent assets plus other real estate owned to assets | 0.1325% | 5,065 |
| Noncurrent loans to loans | 0.2021% | 4,693 |
| Net loans and leases to total assets | 64.8926% | 3,139 |
| Net loans and leases to deposits | 99.9320% | 679 |
| Net loans and leases to core deposits | 107.2275% | 1,026 |
| Total domestic deposits to total assets | 64.9368% | 6,031 |
| Equity capital to assets | 14.5561% | 754 |
| Core capital (leverage) ratio | 12.1309% | 1,542 |
| Tier 1 risk-based capital ratio | 18.4964% | 1,830 |
| Total risk-based capital ratio | 19.5082% | 1,857 |
| Memoranda: | ||
| Average total assets | $29,095,600 | 5,972 |
| Average earning assets | $25,605,800 | 5,977 |
| Average equity | $4,306,600 | 5,799 |
| Average total loans | $19,855,600 | 5,723 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4629% | 79 |
| Cost of funding earning assets | 0.4062% | 3,162 |
| Net interest margin | 6.0567% | 71 |
| Noninterest income to average assets | 1.3235% | 694 |
| Noninterest expense to average assets | 4.8850% | 302 |
| Loan and lease loss provision to assets | 0.3400% | 397 |
| Net operating income to assets | 1.4430% | 1,021 |
| Return on assets (ROA) | 1.4981% | 957 |
| Pretax return on assets | 1.4981% | 1,683 |
| Return on Equity (ROE) | 10.0791% | 2,073 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,590 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3639% | 2,816 |
| Assets per employee ($millions) | 3.3891% | 5,006 |
| Cash dividends to net income (ytd only)* | 100.0000% | 376 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3889% | 6,095 |
| Loan loss allowance to noncurrent loans | 93.3333% | 3,823 |
| Noncurrent assets plus other real estate owned to assets | 0.2951% | 4,583 |
| Noncurrent loans to loans | 0.4167% | 4,110 |
| Net loans and leases to total assets | 70.5298% | 2,309 |
| Net loans and leases to deposits | 116.4817% | 144 |
| Net loans and leases to core deposits | 119.7229% | 477 |
| Total domestic deposits to total assets | 60.5501% | 6,171 |
| Equity capital to assets | 14.1237% | 975 |
| Core capital (leverage) ratio | 12.3374% | 1,496 |
| Tier 1 risk-based capital ratio | 17.1367% | 2,323 |
| Total risk-based capital ratio | 17.5309% | 2,632 |
| Memoranda: | ||
| Average total assets | $29,013,500 | 6,055 |
| Average earning assets | $25,602,000 | 6,057 |
| Average equity | $4,312,500 | 5,878 |
| Average total loans | $19,996,000 | 5,795 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0817% | 121 |
| Cost of funding earning assets | 0.3498% | 3,808 |
| Net interest margin | 5.7319% | 90 |
| Noninterest income to average assets | 1.3395% | 683 |
| Noninterest expense to average assets | 4.8111% | 330 |
| Loan and lease loss provision to assets | 0.1753% | 1,187 |
| Net operating income to assets | 1.4097% | 1,070 |
| Return on assets (ROA) | 1.4938% | 951 |
| Pretax return on assets | 1.4938% | 1,665 |
| Return on Equity (ROE) | 9.8748% | 2,131 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,501 |
| Net charge-offs to loans | -0.0206% | 5,184 |
| Credit loss provision to net charge-offs | -1,250.0000% | 5,396 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2325% | 2,653 |
| Assets per employee ($millions) | 2.6554% | 5,949 |
| Cash dividends to net income (ytd only)* | 100.0000% | 522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1843% | 6,248 |
| Loan loss allowance to noncurrent loans | 66.0714% | 4,592 |
| Noncurrent assets plus other real estate owned to assets | 0.1917% | 5,098 |
| Noncurrent loans to loans | 0.2789% | 4,675 |
| Net loans and leases to total assets | 68.6124% | 2,554 |
| Net loans and leases to deposits | 107.8691% | 311 |
| Net loans and leases to core deposits | 114.0053% | 668 |
| Total domestic deposits to total assets | 63.6071% | 6,210 |
| Equity capital to assets | 14.6975% | 770 |
| Core capital (leverage) ratio | 13.1708% | 1,105 |
| Tier 1 risk-based capital ratio | 17.8809% | 2,100 |
| Total risk-based capital ratio | 18.0621% | 2,438 |
| Memoranda: | ||
| Average total assets | $28,517,330 | 6,134 |
| Average earning assets | $25,157,330 | 6,130 |
| Average equity | $4,314,000 | 5,941 |
| Average total loans | $19,462,330 | 5,873 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9223% | 140 |
| Cost of funding earning assets | 0.3380% | 4,002 |
| Net interest margin | 5.5844% | 110 |
| Noninterest income to average assets | 1.3063% | 672 |
| Noninterest expense to average assets | 4.6572% | 385 |
| Loan and lease loss provision to assets | 0.2130% | 835 |
| Net operating income to assets | 1.3631% | 1,110 |
| Return on assets (ROA) | 1.3631% | 1,173 |
| Pretax return on assets | 1.3631% | 2,025 |
| Return on Equity (ROE) | 8.8796% | 2,507 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,366 |
| Net charge-offs to loans | -0.0209% | 5,069 |
| Credit loss provision to net charge-offs | -1,500.0000% | 5,045 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8041% | 2,847 |
| Assets per employee ($millions) | 2.6270% | 6,024 |
| Cash dividends to net income (ytd only)* | 100.0000% | 683 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1549% | 6,333 |
| Loan loss allowance to noncurrent loans | 50.0000% | 5,026 |
| Noncurrent assets plus other real estate owned to assets | 0.2056% | 5,135 |
| Noncurrent loans to loans | 0.3098% | 4,683 |
| Net loans and leases to total assets | 66.2505% | 2,734 |
| Net loans and leases to deposits | 84.1139% | 2,055 |
| Net loans and leases to core deposits | 88.3856% | 2,284 |
| Total domestic deposits to total assets | 78.7628% | 5,302 |
| Equity capital to assets | 16.5322% | 482 |
| Core capital (leverage) ratio | 13.4369% | 993 |
| Tier 1 risk-based capital ratio | 18.2108% | 2,080 |
| Total risk-based capital ratio | 18.3456% | 2,402 |
| Memoranda: | ||
| Average total assets | $28,171,500 | 6,205 |
| Average earning assets | $24,855,000 | 6,198 |
| Average equity | $4,324,500 | 5,990 |
| Average total loans | $19,154,500 | 5,935 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2261% | 6,397 |
| Cost of funding earning assets | 0.1934% | 5,805 |
| Net interest margin | 2.0327% | 6,359 |
| Noninterest income to average assets | 0.4410% | 3,891 |
| Noninterest expense to average assets | 1.5036% | 6,296 |
| Loan and lease loss provision to assets | 0.0451% | 3,676 |
| Net operating income to assets | 0.7536% | 3,614 |
| Return on assets (ROA) | 0.7536% | 3,713 |
| Pretax return on assets | 0.7536% | 4,428 |
| Return on Equity (ROE) | 6.2410% | 4,026 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,761 |
| Net charge-offs to loans | 0.0053% | 4,836 |
| Credit loss provision to net charge-offs | 1,300.0000% | 220 |
| Earnings coverage of net charge-offs (x) | 230.0000% | 236 |
| Efficiency ratio | 64.4042% | 4,531 |
| Assets per employee ($millions) | 3.0073% | 5,688 |
| Cash dividends to net income (ytd only)* | 100.0000% | 346 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0527% | 6,441 |
| Loan loss allowance to noncurrent loans | 18.9655% | 5,843 |
| Noncurrent assets plus other real estate owned to assets | 0.1929% | 5,259 |
| Noncurrent loans to loans | 0.2778% | 4,859 |
| Net loans and leases to total assets | 69.3878% | 2,326 |
| Net loans and leases to deposits | 105.4315% | 380 |
| Net loans and leases to core deposits | 111.0419% | 731 |
| Total domestic deposits to total assets | 65.8132% | 6,328 |
| Equity capital to assets | 14.3185% | 868 |
| Core capital (leverage) ratio | 12.5608% | 1,330 |
| Tier 1 risk-based capital ratio | 15.8078% | 3,053 |
| Total risk-based capital ratio | 15.8078% | 3,676 |
| Memoranda: | ||
| Average total assets | $28,796,800 | 6,271 |
| Average earning assets | $26,368,600 | 6,255 |
| Average equity | $3,477,000 | 6,185 |
| Average total loans | $19,025,000 | 5,999 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.7144% | 6,565 |
| Cost of funding earning assets | 0.0659% | 6,492 |
| Net interest margin | 0.6485% | 6,565 |
| Noninterest income to average assets | 0.1498% | 6,017 |
| Noninterest expense to average assets | 0.4401% | 6,572 |
| Loan and lease loss provision to assets | 0.0140% | 4,131 |
| Net operating income to assets | 0.2950% | 5,600 |
| Return on assets (ROA) | 0.2950% | 5,672 |
| Pretax return on assets | 0.2950% | 5,785 |
| Return on Equity (ROE) | 2.5690% | 5,690 |
| Retained earnings to average equity (ytd only) | 2.5690% | 4,755 |
| Net charge-offs to loans | -0.0072% | 5,358 |
| Credit loss provision to net charge-offs | -300.0000% | 5,639 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.1250% | 5,424 |
| Assets per employee ($millions) | 3.4623% | 4,931 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0136% | 6,530 |
| Loan loss allowance to noncurrent loans | 4.3478% | 6,040 |
| Noncurrent assets plus other real estate owned to assets | 0.2214% | 5,334 |
| Noncurrent loans to loans | 0.3118% | 4,975 |
| Net loans and leases to total assets | 71.0151% | 2,022 |
| Net loans and leases to deposits | 116.1749% | 127 |
| Net loans and leases to core deposits | 122.6119% | 336 |
| Total domestic deposits to total assets | 61.1277% | 6,474 |
| Equity capital to assets | 14.0143% | 999 |
| Core capital (leverage) ratio | 12.1485% | 1,605 |
| Tier 1 risk-based capital ratio | 15.6918% | 3,218 |
| Total risk-based capital ratio | 15.6918% | 3,867 |
| Memoranda: | ||
| Average total assets | $28,477,750 | 6,353 |
| Average earning assets | $26,316,750 | 6,333 |
| Average equity | $3,269,750 | 6,288 |
| Average total loans | $18,561,750 | 6,081 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9604% | 802 |
| Cost of funding earning assets | 0.2713% | 5,273 |
| Net interest margin | 4.6891% | 496 |
| Noninterest income to average assets | 1.3559% | 654 |
| Noninterest expense to average assets | 4.2344% | 580 |
| Loan and lease loss provision to assets | 0.3263% | 572 |
| Net operating income to assets | 1.1819% | 1,649 |
| Return on assets (ROA) | 1.1819% | 1,722 |
| Pretax return on assets | 1.1819% | 2,754 |
| Return on Equity (ROE) | 11.2259% | 1,653 |
| Retained earnings to average equity (ytd only) | 0.1377% | 5,645 |
| Net charge-offs to loans | 0.5181% | 785 |
| Credit loss provision to net charge-offs | 100.0000% | 1,983 |
| Earnings coverage of net charge-offs (x) | 4.6222% | 3,072 |
| Efficiency ratio | 73.7374% | 3,023 |
| Assets per employee ($millions) | 3.0284% | 5,719 |
| Cash dividends to net income (ytd only)* | 98.7730% | 550 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2018% | 4,414 |
| Loan loss allowance to noncurrent loans | 126.6304% | 3,081 |
| Noncurrent assets plus other real estate owned to assets | 0.6751% | 3,969 |
| Noncurrent loans to loans | 0.9490% | 3,348 |
| Net loans and leases to total assets | 70.2781% | 2,034 |
| Net loans and leases to deposits | 89.3507% | 1,433 |
| Net loans and leases to core deposits | 91.4844% | 1,978 |
| Total domestic deposits to total assets | 78.6542% | 5,523 |
| Equity capital to assets | 10.8270% | 3,058 |
| Core capital (leverage) ratio | 10.7516% | 2,672 |
| Tier 1 risk-based capital ratio | 14.9949% | 3,646 |
| Total risk-based capital ratio | 16.1777% | 3,619 |
| Memoranda: | ||
| Average total assets | $27,583,330 | 6,433 |
| Average earning assets | $25,804,330 | 6,400 |
| Average equity | $2,904,000 | 6,414 |
| Average total loans | $17,371,670 | 6,180 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5518% | 1,635 |
| Cost of funding earning assets | 0.2777% | 5,308 |
| Net interest margin | 4.2740% | 1,054 |
| Noninterest income to average assets | 1.2830% | 677 |
| Noninterest expense to average assets | 3.9788% | 778 |
| Loan and lease loss provision to assets | 0.3027% | 636 |
| Net operating income to assets | 0.9947% | 2,232 |
| Return on assets (ROA) | 0.9947% | 2,290 |
| Pretax return on assets | 0.9947% | 3,340 |
| Return on Equity (ROE) | 9.5817% | 2,209 |
| Retained earnings to average equity (ytd only) | 0.1389% | 5,505 |
| Net charge-offs to loans | 0.5378% | 688 |
| Credit loss provision to net charge-offs | 95.4545% | 1,742 |
| Earnings coverage of net charge-offs (x) | 4.0909% | 2,572 |
| Efficiency ratio | 75.4098% | 2,888 |
| Assets per employee ($millions) | 2.7609% | 6,145 |
| Cash dividends to net income (ytd only)* | 98.5507% | 703 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4338% | 3,447 |
| Loan loss allowance to noncurrent loans | 124.0642% | 3,067 |
| Noncurrent assets plus other real estate owned to assets | 0.6773% | 4,088 |
| Noncurrent loans to loans | 1.1557% | 3,118 |
| Net loans and leases to total assets | 57.7674% | 3,883 |
| Net loans and leases to deposits | 66.3546% | 4,049 |
| Net loans and leases to core deposits | 70.4586% | 4,040 |
| Total domestic deposits to total assets | 87.0586% | 2,770 |
| Equity capital to assets | 10.5437% | 3,205 |
| Core capital (leverage) ratio | 10.0771% | 3,460 |
| Tier 1 risk-based capital ratio | 17.0310% | 2,676 |
| Total risk-based capital ratio | 18.2825% | 2,627 |
| Memoranda: | ||
| Average total assets | $27,747,000 | 6,501 |
| Average earning assets | $25,924,000 | 6,462 |
| Average equity | $2,880,500 | 6,475 |
| Average total loans | $16,363,500 | 6,291 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9591% | 996 |
| Cost of funding earning assets | 0.3278% | 5,347 |
| Net interest margin | 4.6313% | 571 |
| Noninterest income to average assets | 1.3453% | 767 |
| Noninterest expense to average assets | 4.1901% | 708 |
| Loan and lease loss provision to assets | 0.1327% | 2,653 |
| Net operating income to assets | 1.3811% | 1,067 |
| Return on assets (ROA) | 1.3811% | 1,104 |
| Pretax return on assets | 1.3811% | 1,861 |
| Return on Equity (ROE) | 13.2430% | 1,121 |
| Retained earnings to average equity (ytd only) | 0.0344% | 5,833 |
| Net charge-offs to loans | 0.2232% | 2,677 |
| Credit loss provision to net charge-offs | 102.7778% | 2,352 |
| Earnings coverage of net charge-offs (x) | 11.7222% | 2,209 |
| Efficiency ratio | 73.4591% | 3,223 |
| Assets per employee ($millions) | 2.7885% | 6,126 |
| Cash dividends to net income (ytd only)* | 99.7403% | 411 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4082% | 3,613 |
| Loan loss allowance to noncurrent loans | 136.2573% | 2,870 |
| Noncurrent assets plus other real estate owned to assets | 0.6132% | 4,402 |
| Noncurrent loans to loans | 1.0335% | 3,446 |
| Net loans and leases to total assets | 58.5010% | 3,954 |
| Net loans and leases to deposits | 68.4213% | 3,987 |
| Net loans and leases to core deposits | 72.6896% | 3,990 |
| Total domestic deposits to total assets | 85.5012% | 3,508 |
| Equity capital to assets | 10.2205% | 3,481 |
| Core capital (leverage) ratio | 10.5299% | 2,880 |
| Tier 1 risk-based capital ratio | 16.2437% | 2,990 |
| Total risk-based capital ratio | 17.4933% | 2,942 |
| Memoranda: | ||
| Average total assets | $27,875,400 | 6,562 |
| Average earning assets | $26,234,800 | 6,524 |
| Average equity | $2,907,200 | 6,548 |
| Average total loans | $16,129,400 | 6,365 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8739% | 1,178 |
| Cost of funding earning assets | 0.3195% | 5,557 |
| Net interest margin | 4.5544% | 674 |
| Noninterest income to average assets | 1.3155% | 856 |
| Noninterest expense to average assets | 4.1760% | 703 |
| Loan and lease loss provision to assets | 0.0957% | 3,163 |
| Net operating income to assets | 1.3394% | 1,246 |
| Return on assets (ROA) | 1.3394% | 1,294 |
| Pretax return on assets | 1.3394% | 2,170 |
| Return on Equity (ROE) | 12.7784% | 1,292 |
| Retained earnings to average equity (ytd only) | 0.0455% | 5,921 |
| Net charge-offs to loans | 0.1415% | 3,126 |
| Credit loss provision to net charge-offs | 117.6471% | 1,998 |
| Earnings coverage of net charge-offs (x) | 17.6440% | 1,722 |
| Efficiency ratio | 74.4246% | 2,994 |
| Assets per employee ($millions) | 2.7804% | 6,188 |
| Cash dividends to net income (ytd only)* | 99.6437% | 420 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2801% | 4,501 |
| Loan loss allowance to noncurrent loans | 146.8750% | 2,580 |
| Noncurrent assets plus other real estate owned to assets | 0.5755% | 4,722 |
| Noncurrent loans to loans | 0.8716% | 4,076 |
| Net loans and leases to total assets | 65.1813% | 2,772 |
| Net loans and leases to deposits | 75.4810% | 3,027 |
| Net loans and leases to core deposits | 81.4444% | 2,940 |
| Total domestic deposits to total assets | 86.3545% | 3,046 |
| Equity capital to assets | 10.1280% | 3,732 |
| Core capital (leverage) ratio | 10.4556% | 3,052 |
| Tier 1 risk-based capital ratio | 15.3466% | 3,540 |
| Total risk-based capital ratio | 16.5687% | 3,513 |
| Memoranda: | ||
| Average total assets | $27,873,000 | 6,642 |
| Average earning assets | $26,288,750 | 6,599 |
| Average equity | $2,921,500 | 6,621 |
| Average total loans | $16,025,250 | 6,434 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6268% | 1,759 |
| Cost of funding earning assets | 0.2963% | 5,857 |
| Net interest margin | 4.3305% | 977 |
| Noninterest income to average assets | 1.3407% | 869 |
| Noninterest expense to average assets | 4.0149% | 847 |
| Loan and lease loss provision to assets | 0.1219% | 2,798 |
| Net operating income to assets | 1.2905% | 1,350 |
| Return on assets (ROA) | 1.2905% | 1,442 |
| Pretax return on assets | 1.2905% | 2,336 |
| Return on Equity (ROE) | 12.1759% | 1,435 |
| Retained earnings to average equity (ytd only) | 0.0676% | 5,828 |
| Net charge-offs to loans | 0.1968% | 2,584 |
| Credit loss provision to net charge-offs | 113.3333% | 1,949 |
| Earnings coverage of net charge-offs (x) | 13.1333% | 1,924 |
| Efficiency ratio | 73.9762% | 3,137 |
| Assets per employee ($millions) | 2.4987% | 6,501 |
| Cash dividends to net income (ytd only)* | 99.4444% | 530 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2870% | 4,568 |
| Loan loss allowance to noncurrent loans | 172.0588% | 2,250 |
| Noncurrent assets plus other real estate owned to assets | 0.4948% | 5,024 |
| Noncurrent loans to loans | 0.7480% | 4,430 |
| Net loans and leases to total assets | 65.2987% | 2,713 |
| Net loans and leases to deposits | 75.8740% | 2,894 |
| Net loans and leases to core deposits | 79.0765% | 3,156 |
| Total domestic deposits to total assets | 86.0620% | 3,328 |
| Equity capital to assets | 10.3726% | 3,464 |
| Core capital (leverage) ratio | 10.7882% | 2,578 |
| Tier 1 risk-based capital ratio | 14.9934% | 3,780 |
| Total risk-based capital ratio | 16.1823% | 3,786 |
| Memoranda: | ||
| Average total assets | $27,896,000 | 6,695 |
| Average earning assets | $26,324,670 | 6,649 |
| Average equity | $2,956,670 | 6,666 |
| Average total loans | $15,247,670 | 6,512 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1438% | 3,540 |
| Cost of funding earning assets | 0.2562% | 6,247 |
| Net interest margin | 3.8877% | 2,159 |
| Noninterest income to average assets | 1.2953% | 914 |
| Noninterest expense to average assets | 4.0141% | 869 |
| Loan and lease loss provision to assets | 0.0712% | 3,443 |
| Net operating income to assets | 0.8825% | 2,738 |
| Return on assets (ROA) | 0.8825% | 2,881 |
| Pretax return on assets | 0.8825% | 3,823 |
| Return on Equity (ROE) | 8.2406% | 2,855 |
| Retained earnings to average equity (ytd only) | 8.2406% | 1,666 |
| Net charge-offs to loans | 0.1161% | 2,733 |
| Credit loss provision to net charge-offs | 125.0000% | 1,549 |
| Earnings coverage of net charge-offs (x) | 16.7500% | 1,353 |
| Efficiency ratio | 80.8023% | 2,207 |
| Assets per employee ($millions) | 2.7765% | 6,309 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6773% | 3,102 |
| Loan loss allowance to noncurrent loans | 187.9032% | 1,989 |
| Noncurrent assets plus other real estate owned to assets | 0.4466% | 5,264 |
| Noncurrent loans to loans | 0.8927% | 4,351 |
| Net loans and leases to total assets | 49.1914% | 5,088 |
| Net loans and leases to deposits | 56.6135% | 5,183 |
| Net loans and leases to core deposits | 62.1751% | 4,940 |
| Total domestic deposits to total assets | 86.8900% | 3,027 |
| Equity capital to assets | 10.9562% | 3,007 |
| Core capital (leverage) ratio | 9.9778% | 3,414 |
| Tier 1 risk-based capital ratio | 19.0227% | 2,036 |
| Total risk-based capital ratio | 20.2727% | 2,008 |
| Memoranda: | ||
| Average total assets | $28,101,000 | 6,756 |
| Average earning assets | $26,545,500 | 6,708 |
| Average equity | $3,009,500 | 6,720 |
| Average total loans | $13,780,500 | 6,631 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0512% | 5,141 |
| Cost of funding earning assets | 0.2284% | 6,756 |
| Net interest margin | 3.8228% | 3,136 |
| Noninterest income to average assets | 1.2105% | 1,073 |
| Noninterest expense to average assets | 3.8080% | 1,240 |
| Loan and lease loss provision to assets | 0.0282% | 5,544 |
| Net operating income to assets | 0.9776% | 2,435 |
| Return on assets (ROA) | 0.9776% | 2,662 |
| Pretax return on assets | 0.9776% | 3,628 |
| Return on Equity (ROE) | 9.4449% | 2,427 |
| Retained earnings to average equity (ytd only) | 0.1023% | 5,785 |
| Net charge-offs to loans | 0.0632% | 5,058 |
| Credit loss provision to net charge-offs | 100.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 35.6250% | 884 |
| Efficiency ratio | 79.1056% | 2,265 |
| Assets per employee ($millions) | 3.1597% | 5,716 |
| Cash dividends to net income (ytd only)* | 98.9170% | 500 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6971% | 2,942 |
| Loan loss allowance to noncurrent loans | 188.6179% | 1,941 |
| Noncurrent assets plus other real estate owned to assets | 0.4325% | 5,408 |
| Noncurrent loans to loans | 0.8998% | 4,385 |
| Net loans and leases to total assets | 47.2553% | 5,480 |
| Net loans and leases to deposits | 52.8909% | 5,745 |
| Net loans and leases to core deposits | 57.0616% | 5,626 |
| Total domestic deposits to total assets | 89.3449% | 1,340 |
| Equity capital to assets | 10.4688% | 3,562 |
| Core capital (leverage) ratio | 10.5336% | 2,721 |
| Tier 1 risk-based capital ratio | 17.5602% | 2,436 |
| Total risk-based capital ratio | 18.8099% | 2,402 |
| Memoranda: | ||
| Average total assets | $28,335,000 | 6,799 |
| Average earning assets | $26,708,000 | 6,747 |
| Average equity | $2,932,800 | 6,800 |
| Average total loans | $12,652,200 | 6,749 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8932% | 5,804 |
| Cost of funding earning assets | 0.2346% | 6,866 |
| Net interest margin | 3.6587% | 3,967 |
| Noninterest income to average assets | 1.1727% | 1,101 |
| Noninterest expense to average assets | 3.8337% | 1,153 |
| Loan and lease loss provision to assets | 0.0330% | 5,363 |
| Net operating income to assets | 0.7583% | 3,660 |
| Return on assets (ROA) | 0.7583% | 3,909 |
| Pretax return on assets | 0.7583% | 4,642 |
| Return on Equity (ROE) | 7.3470% | 3,613 |
| Retained earnings to average equity (ytd only) | -2.3274% | 6,429 |
| Net charge-offs to loans | 0.0753% | 4,660 |
| Credit loss provision to net charge-offs | 100.0000% | 2,954 |
| Earnings coverage of net charge-offs (x) | 24.0075% | 1,295 |
| Efficiency ratio | 82.8921% | 1,712 |
| Assets per employee ($millions) | 3.0933% | 5,869 |
| Cash dividends to net income (ytd only)* | 131.6780% | 153 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4957% | 3,970 |
| Loan loss allowance to noncurrent loans | 187.0968% | 1,873 |
| Noncurrent assets plus other real estate owned to assets | 0.4454% | 5,551 |
| Noncurrent loans to loans | 0.7994% | 4,808 |
| Net loans and leases to total assets | 54.8815% | 4,608 |
| Net loans and leases to deposits | 67.6661% | 4,234 |
| Net loans and leases to core deposits | 73.7261% | 4,009 |
| Total domestic deposits to total assets | 81.1063% | 5,322 |
| Equity capital to assets | 10.5639% | 3,772 |
| Core capital (leverage) ratio | 10.4332% | 2,994 |
| Tier 1 risk-based capital ratio | 16.0694% | 3,233 |
| Total risk-based capital ratio | 17.3175% | 3,201 |
| Memoranda: | ||
| Average total assets | $28,309,500 | 6,882 |
| Average earning assets | $26,712,250 | 6,833 |
| Average equity | $2,921,750 | 6,891 |
| Average total loans | $12,397,750 | 6,853 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5950% | 6,493 |
| Cost of funding earning assets | 0.2382% | 6,949 |
| Net interest margin | 3.3568% | 5,241 |
| Noninterest income to average assets | 1.0750% | 1,238 |
| Noninterest expense to average assets | 3.7167% | 1,341 |
| Loan and lease loss provision to assets | 0.0070% | 5,566 |
| Net operating income to assets | 0.5199% | 4,723 |
| Return on assets (ROA) | 0.5199% | 4,995 |
| Pretax return on assets | 0.5199% | 5,388 |
| Return on Equity (ROE) | 5.0766% | 4,775 |
| Retained earnings to average equity (ytd only) | -5.6940% | 6,657 |
| Net charge-offs to loans | 0.0176% | 5,168 |
| Credit loss provision to net charge-offs | 100.0000% | 2,712 |
| Earnings coverage of net charge-offs (x) | 75.0000% | 540 |
| Efficiency ratio | 87.5828% | 1,272 |
| Assets per employee ($millions) | 3.0278% | 6,014 |
| Cash dividends to net income (ytd only)* | 212.1622% | 76 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7249% | 3,126 |
| Loan loss allowance to noncurrent loans | 201.7391% | 1,689 |
| Noncurrent assets plus other real estate owned to assets | 0.4220% | 5,727 |
| Noncurrent loans to loans | 0.8550% | 4,806 |
| Net loans and leases to total assets | 48.5064% | 5,564 |
| Net loans and leases to deposits | 55.8782% | 5,661 |
| Net loans and leases to core deposits | 57.5221% | 5,810 |
| Total domestic deposits to total assets | 86.8073% | 2,891 |
| Equity capital to assets | 10.4917% | 3,702 |
| Core capital (leverage) ratio | 10.3797% | 2,949 |
| Tier 1 risk-based capital ratio | 17.6340% | 2,423 |
| Total risk-based capital ratio | 18.8835% | 2,396 |
| Memoranda: | ||
| Average total assets | $28,466,000 | 6,937 |
| Average earning assets | $26,871,000 | 6,879 |
| Average equity | $2,915,330 | 6,929 |
| Average total loans | $11,360,000 | 6,950 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1832% | 6,956 |
| Cost of funding earning assets | 0.2482% | 7,012 |
| Net interest margin | 2.9349% | 6,425 |
| Noninterest income to average assets | 0.9218% | 1,658 |
| Noninterest expense to average assets | 3.4670% | 1,830 |
| Loan and lease loss provision to assets | 0.0138% | 5,141 |
| Net operating income to assets | 0.2064% | 5,965 |
| Return on assets (ROA) | 0.2064% | 6,111 |
| Pretax return on assets | 0.2064% | 6,188 |
| Return on Equity (ROE) | 2.0384% | 6,063 |
| Retained earnings to average equity (ytd only) | -4.7562% | 6,565 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.0299% | 820 |
| Assets per employee ($millions) | 3.2348% | 5,691 |
| Cash dividends to net income (ytd only)* | 333.3333% | 51 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1862% | 1,912 |
| Loan loss allowance to noncurrent loans | 180.6202% | 1,825 |
| Noncurrent assets plus other real estate owned to assets | 0.4431% | 5,755 |
| Noncurrent loans to loans | 1.2104% | 4,310 |
| Net loans and leases to total assets | 35.8087% | 6,634 |
| Net loans and leases to deposits | 39.8738% | 6,741 |
| Net loans and leases to core deposits | 41.7501% | 6,758 |
| Total domestic deposits to total assets | 89.8052% | 1,189 |
| Equity capital to assets | 10.0196% | 4,103 |
| Core capital (leverage) ratio | 9.4867% | 4,069 |
| Tier 1 risk-based capital ratio | 20.7789% | 1,530 |
| Total risk-based capital ratio | 22.0344% | 1,499 |
| Memoranda: | ||
| Average total assets | $29,074,000 | 6,975 |
| Average earning assets | $27,394,000 | 6,924 |
| Average equity | $2,943,500 | 6,974 |
| Average total loans | $10,315,000 | 7,047 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6683% | 4,381 |
| Cost of funding earning assets | 0.3015% | 7,106 |
| Net interest margin | 4.3668% | 1,488 |
| Noninterest income to average assets | 1.2766% | 786 |
| Noninterest expense to average assets | 4.0214% | 1,011 |
| Loan and lease loss provision to assets | 0.0758% | 5,664 |
| Net operating income to assets | 1.2248% | 1,444 |
| Return on assets (ROA) | 1.2248% | 1,549 |
| Pretax return on assets | 1.2248% | 2,370 |
| Return on Equity (ROE) | 11.9558% | 1,414 |
| Retained earnings to average equity (ytd only) | 3.8165% | 3,496 |
| Net charge-offs to loans | 0.2089% | 4,489 |
| Credit loss provision to net charge-offs | 86.3636% | 4,185 |
| Earnings coverage of net charge-offs (x) | 14.8182% | 1,432 |
| Efficiency ratio | 75.5622% | 2,965 |
| Assets per employee ($millions) | 3.6294% | 4,708 |
| Cash dividends to net income (ytd only)* | 68.0782% | 1,216 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3265% | 1,583 |
| Loan loss allowance to noncurrent loans | 203.5088% | 1,624 |
| Noncurrent assets plus other real estate owned to assets | 0.3926% | 5,989 |
| Noncurrent loans to loans | 1.1432% | 4,455 |
| Net loans and leases to total assets | 33.5457% | 6,886 |
| Net loans and leases to deposits | 37.4601% | 6,964 |
| Net loans and leases to core deposits | 39.5871% | 6,957 |
| Total domestic deposits to total assets | 89.5505% | 1,236 |
| Equity capital to assets | 10.2290% | 3,876 |
| Core capital (leverage) ratio | 10.3949% | 2,848 |
| Tier 1 risk-based capital ratio | 21.4931% | 1,321 |
| Total risk-based capital ratio | 22.7399% | 1,292 |
| Memoranda: | ||
| Average total assets | $25,065,800 | 7,102 |
| Average earning assets | $23,220,400 | 7,070 |
| Average equity | $2,567,800 | 7,106 |
| Average total loans | $10,533,800 | 7,097 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8122% | 3,974 |
| Cost of funding earning assets | 0.3240% | 7,174 |
| Net interest margin | 4.4882% | 1,178 |
| Noninterest income to average assets | 1.3237% | 747 |
| Noninterest expense to average assets | 4.2812% | 726 |
| Loan and lease loss provision to assets | 0.0221% | 6,168 |
| Net operating income to assets | 1.1631% | 1,770 |
| Return on assets (ROA) | 1.1631% | 1,883 |
| Pretax return on assets | 1.1631% | 2,774 |
| Return on Equity (ROE) | 11.3483% | 1,744 |
| Retained earnings to average equity (ytd only) | 0.8106% | 5,686 |
| Net charge-offs to loans | 0.0499% | 5,485 |
| Credit loss provision to net charge-offs | 100.0000% | 3,366 |
| Earnings coverage of net charge-offs (x) | 53.5328% | 608 |
| Efficiency ratio | 78.3181% | 2,503 |
| Assets per employee ($millions) | 3.0681% | 5,968 |
| Cash dividends to net income (ytd only)* | 92.8569% | 385 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2860% | 1,715 |
| Loan loss allowance to noncurrent loans | 76.7974% | 3,690 |
| Noncurrent assets plus other real estate owned to assets | 1.2467% | 4,306 |
| Noncurrent loans to loans | 2.9767% | 2,326 |
| Net loans and leases to total assets | 40.9248% | 6,567 |
| Net loans and leases to deposits | 46.6688% | 6,706 |
| Net loans and leases to core deposits | 49.1246% | 6,709 |
| Total domestic deposits to total assets | 87.6920% | 2,242 |
| Equity capital to assets | 11.8313% | 2,392 |
| Core capital (leverage) ratio | 11.8827% | 1,774 |
| Tier 1 risk-based capital ratio | 21.3054% | 1,405 |
| Total risk-based capital ratio | 22.5617% | 1,381 |
| Memoranda: | ||
| Average total assets | $24,073,500 | 7,200 |
| Average earning assets | $22,220,750 | 7,172 |
| Average equity | $2,467,250 | 7,194 |
| Average total loans | $10,674,250 | 7,164 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8662% | 3,772 |
| Cost of funding earning assets | 0.3431% | 7,238 |
| Net interest margin | 4.5231% | 1,076 |
| Noninterest income to average assets | 1.2460% | 812 |
| Noninterest expense to average assets | 4.2649% | 777 |
| Loan and lease loss provision to assets | -0.0418% | 7,395 |
| Net operating income to assets | 1.2126% | 1,535 |
| Return on assets (ROA) | 1.2126% | 1,617 |
| Pretax return on assets | 1.2126% | 2,431 |
| Return on Equity (ROE) | 12.4910% | 1,341 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,830 |
| Net charge-offs to loans | -0.1111% | 7,190 |
| Credit loss provision to net charge-offs | 83.3333% | 3,669 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.4615% | 2,637 |
| Assets per employee ($millions) | 2.9915% | 6,109 |
| Cash dividends to net income (ytd only)* | 100.0000% | 468 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1939% | 1,929 |
| Loan loss allowance to noncurrent loans | 75.3994% | 3,717 |
| Noncurrent assets plus other real estate owned to assets | 1.3079% | 4,286 |
| Noncurrent loans to loans | 2.9097% | 2,506 |
| Net loans and leases to total assets | 43.9621% | 6,441 |
| Net loans and leases to deposits | 52.2887% | 6,444 |
| Net loans and leases to core deposits | 52.9492% | 6,616 |
| Total domestic deposits to total assets | 84.0757% | 4,311 |
| Equity capital to assets | 9.6273% | 4,629 |
| Core capital (leverage) ratio | 9.2933% | 4,260 |
| Tier 1 risk-based capital ratio | 16.4006% | 2,790 |
| Total risk-based capital ratio | 17.6543% | 2,748 |
| Memoranda: | ||
| Average total assets | $23,916,330 | 7,269 |
| Average earning assets | $22,153,000 | 7,240 |
| Average equity | $2,321,670 | 7,286 |
| Average total loans | $10,805,670 | 7,230 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1595% | 2,386 |
| Cost of funding earning assets | 0.3802% | 7,267 |
| Net interest margin | 4.7794% | 591 |
| Noninterest income to average assets | 1.1209% | 1,047 |
| Noninterest expense to average assets | 4.2161% | 807 |
| Loan and lease loss provision to assets | -0.0502% | 7,468 |
| Net operating income to assets | 1.3719% | 1,113 |
| Return on assets (ROA) | 1.3719% | 1,161 |
| Pretax return on assets | 1.3719% | 1,806 |
| Return on Equity (ROE) | 14.0742% | 978 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,784 |
| Net charge-offs to loans | -0.1477% | 7,198 |
| Credit loss provision to net charge-offs | 75.0000% | 3,253 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.1329% | 3,146 |
| Assets per employee ($millions) | 3.2056% | 5,698 |
| Cash dividends to net income (ytd only)* | 100.0000% | 592 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3208% | 1,729 |
| Loan loss allowance to noncurrent loans | 231.3725% | 1,290 |
| Noncurrent assets plus other real estate owned to assets | 0.3977% | 6,211 |
| Noncurrent loans to loans | 1.0030% | 5,044 |
| Net loans and leases to total assets | 38.7327% | 6,860 |
| Net loans and leases to deposits | 42.8331% | 6,994 |
| Net loans and leases to core deposits | 44.2647% | 7,032 |
| Total domestic deposits to total assets | 90.4270% | 881 |
| Equity capital to assets | 9.0583% | 5,118 |
| Core capital (leverage) ratio | 8.3590% | 5,703 |
| Tier 1 risk-based capital ratio | 16.3875% | 2,714 |
| Total risk-based capital ratio | 17.6402% | 2,683 |
| Memoranda: | ||
| Average total assets | $23,908,500 | 7,319 |
| Average earning assets | $22,095,000 | 7,293 |
| Average equity | $2,330,500 | 7,332 |
| Average total loans | $10,830,000 | 7,285 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7428% | 1,430 |
| Cost of funding earning assets | 0.5482% | 7,233 |
| Net interest margin | 5.1945% | 286 |
| Noninterest income to average assets | 1.3217% | 844 |
| Noninterest expense to average assets | 4.2681% | 842 |
| Loan and lease loss provision to assets | 0.0800% | 6,355 |
| Net operating income to assets | 1.7594% | 455 |
| Return on assets (ROA) | 1.7594% | 500 |
| Pretax return on assets | 1.7594% | 832 |
| Return on Equity (ROE) | 17.5203% | 425 |
| Retained earnings to average equity (ytd only) | 2.2215% | 4,332 |
| Net charge-offs to loans | 0.0159% | 6,664 |
| Credit loss provision to net charge-offs | 950.0000% | 233 |
| Earnings coverage of net charge-offs (x) | 218.5000% | 113 |
| Efficiency ratio | 69.8828% | 4,197 |
| Assets per employee ($millions) | 2.7715% | 6,569 |
| Cash dividends to net income (ytd only)* | 87.3206% | 642 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0451% | 2,191 |
| Loan loss allowance to noncurrent loans | 175.3731% | 1,700 |
| Noncurrent assets plus other real estate owned to assets | 0.6044% | 5,813 |
| Noncurrent loans to loans | 1.1661% | 4,769 |
| Net loans and leases to total assets | 50.7667% | 6,076 |
| Net loans and leases to deposits | 57.2271% | 6,332 |
| Net loans and leases to core deposits | 57.2271% | 6,620 |
| Total domestic deposits to total assets | 88.7110% | 1,818 |
| Equity capital to assets | 10.5448% | 3,112 |
| Core capital (leverage) ratio | 9.2937% | 4,017 |
| Tier 1 risk-based capital ratio | 15.9213% | 2,788 |
| Total risk-based capital ratio | 17.1738% | 2,742 |
| Memoranda: | ||
| Average total assets | $23,757,800 | 7,374 |
| Average earning assets | $21,888,400 | 7,352 |
| Average equity | $2,385,800 | 7,428 |
| Average total loans | $12,588,400 | 7,274 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6516% | 1,876 |
| Cost of funding earning assets | 0.5496% | 7,381 |
| Net interest margin | 5.1020% | 355 |
| Noninterest income to average assets | 1.3413% | 756 |
| Noninterest expense to average assets | 4.2283% | 795 |
| Loan and lease loss provision to assets | 0.0939% | 6,087 |
| Net operating income to assets | 1.7333% | 581 |
| Return on assets (ROA) | 1.7333% | 633 |
| Pretax return on assets | 1.7333% | 1,045 |
| Return on Equity (ROE) | 17.4605% | 536 |
| Retained earnings to average equity (ytd only) | 6.6729% | 2,002 |
| Net charge-offs to loans | 0.0933% | 5,595 |
| Credit loss provision to net charge-offs | 188.8889% | 1,908 |
| Earnings coverage of net charge-offs (x) | 36.7767% | 740 |
| Efficiency ratio | 69.8268% | 4,103 |
| Assets per employee ($millions) | 3.1335% | 5,849 |
| Cash dividends to net income (ytd only)* | 61.7828% | 1,186 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5572% | 3,708 |
| Loan loss allowance to noncurrent loans | 171.2121% | 1,674 |
| Noncurrent assets plus other real estate owned to assets | 0.5266% | 6,111 |
| Noncurrent loans to loans | 0.9095% | 5,426 |
| Net loans and leases to total assets | 56.9930% | 5,415 |
| Net loans and leases to deposits | 83.3499% | 2,821 |
| Net loans and leases to core deposits | 85.8542% | 3,680 |
| Total domestic deposits to total assets | 68.3780% | 7,358 |
| Equity capital to assets | 9.6697% | 4,584 |
| Core capital (leverage) ratio | 9.3987% | 4,057 |
| Tier 1 risk-based capital ratio | 13.6747% | 4,069 |
| Total risk-based capital ratio | 14.9254% | 4,024 |
| Memoranda: | ||
| Average total assets | $24,154,250 | 7,467 |
| Average earning assets | $22,317,500 | 7,435 |
| Average equity | $2,397,750 | 7,518 |
| Average total loans | $12,862,750 | 7,352 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6308% | 2,021 |
| Cost of funding earning assets | 0.5613% | 7,466 |
| Net interest margin | 5.0696% | 365 |
| Noninterest income to average assets | 1.3501% | 690 |
| Noninterest expense to average assets | 4.2936% | 731 |
| Loan and lease loss provision to assets | 0.0503% | 6,466 |
| Net operating income to assets | 1.7023% | 583 |
| Return on assets (ROA) | 1.7023% | 635 |
| Pretax return on assets | 1.7023% | 1,052 |
| Return on Equity (ROE) | 16.9946% | 568 |
| Retained earnings to average equity (ytd only) | 7.7020% | 1,550 |
| Net charge-offs to loans | 0.1949% | 4,439 |
| Credit loss provision to net charge-offs | 50.0000% | 5,413 |
| Earnings coverage of net charge-offs (x) | 17.4167% | 1,346 |
| Efficiency ratio | 71.0125% | 3,983 |
| Assets per employee ($millions) | 3.0533% | 6,029 |
| Cash dividends to net income (ytd only)* | 54.6798% | 1,499 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5849% | 3,516 |
| Loan loss allowance to noncurrent loans | 200.0000% | 1,414 |
| Noncurrent assets plus other real estate owned to assets | 0.4340% | 6,370 |
| Noncurrent loans to loans | 0.7925% | 5,691 |
| Net loans and leases to total assets | 53.8934% | 6,001 |
| Net loans and leases to deposits | 75.5466% | 4,417 |
| Net loans and leases to core deposits | 75.5466% | 5,243 |
| Total domestic deposits to total assets | 71.3379% | 7,233 |
| Equity capital to assets | 9.8420% | 4,213 |
| Core capital (leverage) ratio | 9.7057% | 3,528 |
| Tier 1 risk-based capital ratio | 14.4544% | 3,471 |
| Total risk-based capital ratio | 15.7047% | 3,435 |
| Memoranda: | ||
| Average total assets | $23,849,670 | 7,536 |
| Average earning assets | $22,092,670 | 7,503 |
| Average equity | $2,389,000 | 7,576 |
| Average total loans | $12,312,670 | 7,439 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5367% | 2,425 |
| Cost of funding earning assets | 0.5886% | 7,553 |
| Net interest margin | 4.9480% | 466 |
| Noninterest income to average assets | 1.2563% | 777 |
| Noninterest expense to average assets | 4.3461% | 681 |
| Loan and lease loss provision to assets | 0.0340% | 6,337 |
| Net operating income to assets | 1.4430% | 994 |
| Return on assets (ROA) | 1.4430% | 1,071 |
| Pretax return on assets | 1.4430% | 1,659 |
| Return on Equity (ROE) | 14.2767% | 1,001 |
| Retained earnings to average equity (ytd only) | 14.2767% | 477 |
| Net charge-offs to loans | 0.2377% | 3,513 |
| Credit loss provision to net charge-offs | 28.5714% | 4,835 |
| Earnings coverage of net charge-offs (x) | 12.4286% | 1,569 |
| Efficiency ratio | 74.6356% | 3,460 |
| Assets per employee ($millions) | 2.6260% | 6,992 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8282% | 2,646 |
| Loan loss allowance to noncurrent loans | 200.0000% | 1,418 |
| Noncurrent assets plus other real estate owned to assets | 0.4485% | 6,343 |
| Noncurrent loans to loans | 0.9141% | 5,490 |
| Net loans and leases to total assets | 48.1679% | 6,661 |
| Net loans and leases to deposits | 60.3286% | 6,435 |
| Net loans and leases to core deposits | 61.1517% | 6,663 |
| Total domestic deposits to total assets | 79.8426% | 5,840 |
| Equity capital to assets | 10.2776% | 3,500 |
| Core capital (leverage) ratio | 9.3573% | 3,962 |
| Tier 1 risk-based capital ratio | 15.8366% | 2,709 |
| Total risk-based capital ratio | 17.0921% | 2,654 |
| Memoranda: | ||
| Average total assets | $23,561,500 | 7,635 |
| Average earning assets | $21,746,000 | 7,600 |
| Average equity | $2,381,500 | 7,670 |
| Average total loans | $11,781,000 | 7,561 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8218% | 2,570 |
| Cost of funding earning assets | 0.8812% | 7,435 |
| Net interest margin | 4.9406% | 507 |
| Noninterest income to average assets | 1.2555% | 957 |
| Noninterest expense to average assets | 4.0957% | 1,240 |
| Loan and lease loss provision to assets | -0.1138% | 7,988 |
| Net operating income to assets | 1.8528% | 321 |
| Return on assets (ROA) | 1.8731% | 317 |
| Pretax return on assets | 1.8731% | 546 |
| Return on Equity (ROE) | 20.0122% | 244 |
| Retained earnings to average equity (ytd only) | 7.4232% | 836 |
| Net charge-offs to loans | -0.3376% | 7,933 |
| Credit loss provision to net charge-offs | 71.7949% | 6,456 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1950% | 4,585 |
| Assets per employee ($millions) | 2.6099% | 7,026 |
| Cash dividends to net income (ytd only)* | 62.9067% | 1,871 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8218% | 2,477 |
| Loan loss allowance to noncurrent loans | 186.3248% | 1,581 |
| Noncurrent assets plus other real estate owned to assets | 0.4981% | 6,207 |
| Noncurrent loans to loans | 0.9778% | 5,364 |
| Net loans and leases to total assets | 50.0149% | 6,639 |
| Net loans and leases to deposits | 61.6208% | 6,504 |
| Net loans and leases to core deposits | 73.1963% | 6,580 |
| Total domestic deposits to total assets | 81.1657% | 5,283 |
| Equity capital to assets | 9.9366% | 3,853 |
| Core capital (leverage) ratio | 9.4230% | 3,807 |
| Tier 1 risk-based capital ratio | 14.9575% | 2,965 |
| Total risk-based capital ratio | 16.2096% | 2,912 |
| Memoranda: | ||
| Average total assets | $24,611,000 | 7,649 |
| Average earning assets | $22,811,000 | 7,619 |
| Average equity | $2,303,600 | 7,770 |
| Average total loans | $11,550,800 | 7,625 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8241% | 2,783 |
| Cost of funding earning assets | 0.9236% | 7,521 |
| Net interest margin | 4.9006% | 556 |
| Noninterest income to average assets | 1.2159% | 1,041 |
| Noninterest expense to average assets | 3.8888% | 1,446 |
| Loan and lease loss provision to assets | -0.1500% | 8,076 |
| Net operating income to assets | 2.0247% | 276 |
| Return on assets (ROA) | 2.0515% | 288 |
| Pretax return on assets | 2.0515% | 491 |
| Return on Equity (ROE) | 22.2409% | 197 |
| Retained earnings to average equity (ytd only) | 10.0462% | 630 |
| Net charge-offs to loans | -0.4309% | 8,019 |
| Credit loss provision to net charge-offs | 75.6757% | 5,871 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4721% | 5,075 |
| Assets per employee ($millions) | 2.5803% | 7,089 |
| Cash dividends to net income (ytd only)* | 54.8301% | 1,814 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6872% | 2,678 |
| Loan loss allowance to noncurrent loans | 191.1504% | 1,540 |
| Noncurrent assets plus other real estate owned to assets | 0.4866% | 6,246 |
| Noncurrent loans to loans | 0.8827% | 5,526 |
| Net loans and leases to total assets | 54.1963% | 6,361 |
| Net loans and leases to deposits | 71.9735% | 5,658 |
| Net loans and leases to core deposits | 89.7334% | 5,459 |
| Total domestic deposits to total assets | 75.3003% | 6,719 |
| Equity capital to assets | 10.1408% | 3,920 |
| Core capital (leverage) ratio | 9.0002% | 4,648 |
| Tier 1 risk-based capital ratio | 14.4291% | 3,315 |
| Total risk-based capital ratio | 15.6818% | 3,261 |
| Memoranda: | ||
| Average total assets | $24,891,500 | 7,714 |
| Average earning assets | $23,098,750 | 7,688 |
| Average equity | $2,296,000 | 7,846 |
| Average total loans | $11,447,000 | 7,709 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7469% | 3,311 |
| Cost of funding earning assets | 0.9409% | 7,641 |
| Net interest margin | 4.8060% | 645 |
| Noninterest income to average assets | 1.0846% | 1,356 |
| Noninterest expense to average assets | 3.7253% | 1,786 |
| Loan and lease loss provision to assets | -0.1415% | 8,169 |
| Net operating income to assets | 1.9570% | 329 |
| Return on assets (ROA) | 1.9570% | 361 |
| Pretax return on assets | 1.9570% | 620 |
| Return on Equity (ROE) | 21.8773% | 244 |
| Retained earnings to average equity (ytd only) | 6.9410% | 1,604 |
| Net charge-offs to loans | -0.2365% | 8,043 |
| Credit loss provision to net charge-offs | 138.4615% | 3,376 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2340% | 5,307 |
| Assets per employee ($millions) | 3.2839% | 5,359 |
| Cash dividends to net income (ytd only)* | 68.2731% | 1,423 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6657% | 2,463 |
| Loan loss allowance to noncurrent loans | 175.6522% | 1,699 |
| Noncurrent assets plus other real estate owned to assets | 0.4377% | 6,359 |
| Noncurrent loans to loans | 0.9483% | 5,329 |
| Net loans and leases to total assets | 45.3923% | 7,237 |
| Net loans and leases to deposits | 63.7871% | 6,583 |
| Net loans and leases to core deposits | 76.1932% | 6,660 |
| Total domestic deposits to total assets | 71.1621% | 7,345 |
| Equity capital to assets | 8.6788% | 5,785 |
| Core capital (leverage) ratio | 8.0997% | 6,169 |
| Tier 1 risk-based capital ratio | 13.6771% | 3,708 |
| Total risk-based capital ratio | 14.9305% | 3,634 |
| Memoranda: | ||
| Average total assets | $25,447,670 | 7,776 |
| Average earning assets | $23,595,330 | 7,739 |
| Average equity | $2,276,330 | 7,933 |
| Average total loans | $10,995,330 | 7,814 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9680% | 2,489 |
| Cost of funding earning assets | 1.0206% | 7,642 |
| Net interest margin | 4.9473% | 460 |
| Noninterest income to average assets | 0.9586% | 1,610 |
| Noninterest expense to average assets | 3.5788% | 1,910 |
| Loan and lease loss provision to assets | -0.1757% | 8,215 |
| Net operating income to assets | 2.1249% | 267 |
| Return on assets (ROA) | 2.1249% | 312 |
| Pretax return on assets | 2.1249% | 514 |
| Return on Equity (ROE) | 23.3898% | 242 |
| Retained earnings to average equity (ytd only) | 14.5966% | 460 |
| Net charge-offs to loans | -0.4219% | 8,097 |
| Credit loss provision to net charge-offs | 100.0000% | 3,714 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7399% | 5,557 |
| Assets per employee ($millions) | 3.2114% | 5,566 |
| Cash dividends to net income (ytd only)* | 37.5940% | 2,126 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0330% | 1,349 |
| Loan loss allowance to noncurrent loans | 145.7746% | 2,214 |
| Noncurrent assets plus other real estate owned to assets | 0.5527% | 5,816 |
| Noncurrent loans to loans | 1.3946% | 4,220 |
| Net loans and leases to total assets | 38.8268% | 7,624 |
| Net loans and leases to deposits | 46.7783% | 7,634 |
| Net loans and leases to core deposits | 56.2130% | 7,611 |
| Total domestic deposits to total assets | 83.0018% | 4,147 |
| Equity capital to assets | 8.9876% | 5,365 |
| Core capital (leverage) ratio | 8.2145% | 6,070 |
| Tier 1 risk-based capital ratio | 15.3807% | 2,902 |
| Total risk-based capital ratio | 16.6351% | 2,832 |
| Memoranda: | ||
| Average total assets | $25,036,000 | 7,827 |
| Average earning assets | $23,123,500 | 7,802 |
| Average equity | $2,274,500 | 7,985 |
| Average total loans | $10,429,500 | 7,886 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3585% | 3,650 |
| Cost of funding earning assets | 1.9194% | 6,674 |
| Net interest margin | 4.4391% | 1,564 |
| Noninterest income to average assets | 1.2103% | 1,015 |
| Noninterest expense to average assets | 3.8298% | 1,701 |
| Loan and lease loss provision to assets | 0.2315% | 4,583 |
| Net operating income to assets | 1.2630% | 1,589 |
| Return on assets (ROA) | 1.2630% | 1,539 |
| Pretax return on assets | 1.2630% | 2,432 |
| Return on Equity (ROE) | 14.3305% | 1,043 |
| Retained earnings to average equity (ytd only) | -5.2991% | 6,558 |
| Net charge-offs to loans | 0.4842% | 2,419 |
| Credit loss provision to net charge-offs | 109.6154% | 4,911 |
| Earnings coverage of net charge-offs (x) | 7.0769% | 3,194 |
| Efficiency ratio | 71.9298% | 3,951 |
| Assets per employee ($millions) | 3.0476% | 5,935 |
| Cash dividends to net income (ytd only)* | 136.9775% | 545 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9387% | 1,341 |
| Loan loss allowance to noncurrent loans | 690.0000% | 662 |
| Noncurrent assets plus other real estate owned to assets | 0.1230% | 7,086 |
| Noncurrent loans to loans | 0.2810% | 6,532 |
| Net loans and leases to total assets | 42.9433% | 7,536 |
| Net loans and leases to deposits | 47.5779% | 7,729 |
| Net loans and leases to core deposits | 62.4441% | 7,499 |
| Total domestic deposits to total assets | 90.2588% | 563 |
| Equity capital to assets | 9.1875% | 5,100 |
| Core capital (leverage) ratio | 8.3657% | 5,826 |
| Tier 1 risk-based capital ratio | 14.9919% | 3,049 |
| Total risk-based capital ratio | 16.2424% | 2,962 |
| Memoranda: | ||
| Average total assets | $24,623,000 | 7,852 |
| Average earning assets | $22,820,000 | 7,830 |
| Average equity | $2,170,200 | 8,085 |
| Average total loans | $10,739,400 | 7,905 |