Home > The Gorham State Bank > Performance and Condition Ratios
The Gorham State Bank, Performance and Condition Ratios
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4343% | 2,453 |
| Cost of funding earning assets | 0.3167% | 4,148 |
| Net interest margin | 4.1175% | 1,073 |
| Noninterest income to average assets | 0.2700% | 3,286 |
| Noninterest expense to average assets | 1.7043% | 4,192 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 2.0471% | 459 |
| Return on assets (ROA) | 2.0471% | 452 |
| Pretax return on assets | 2.2971% | 491 |
| Return on Equity (ROE) | 19.0800% | 878 |
| Retained earnings to average equity (ytd only) | 19.0826% | 432 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 42.5926% | 4,364 |
| Assets per employee ($millions) | 7.0852% | 1,914 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4242% | 1,518 |
| Loan loss allowance to noncurrent loans | 95.7704% | 3,375 |
| Noncurrent assets plus other real estate owned to assets | 0.7786% | 617 |
| Noncurrent loans to loans | 1.4871% | 437 |
| Net loans and leases to total assets | 51.6100% | 3,372 |
| Net loans and leases to deposits | 58.2468% | 3,439 |
| Net loans and leases to core deposits | 59.8353% | 3,548 |
| Total domestic deposits to total assets | 88.6100% | 1,697 |
| Equity capital to assets | 11.1571% | 1,287 |
| Core capital (leverage) ratio | 11.0197% | 1,834 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $43,184,000 | 4,475 |
| Average earning assets | $39,149,500 | 4,461 |
| Average equity | $4,632,500 | 4,387 |
| Average total loans | $21,545,000 | 4,369 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3407% | 3,494 |
| Cost of funding earning assets | 0.1441% | 4,153 |
| Net interest margin | 3.1966% | 2,874 |
| Noninterest income to average assets | 0.2600% | 3,579 |
| Noninterest expense to average assets | 1.9700% | 3,663 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.0084% | 2,537 |
| Return on assets (ROA) | 1.0160% | 2,455 |
| Pretax return on assets | 1.2641% | 2,222 |
| Return on Equity (ROE) | 9.9300% | 2,833 |
| Retained earnings to average equity (ytd only) | 9.9319% | 1,178 |
| Net charge-offs to loans | -0.1679% | 4,610 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 61.0947% | 2,894 |
| Assets per employee ($millions) | 7.3095% | 1,749 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5217% | 1,144 |
| Loan loss allowance to noncurrent loans | 117.8439% | 3,212 |
| Noncurrent assets plus other real estate owned to assets | 0.6134% | 811 |
| Noncurrent loans to loans | 1.2913% | 531 |
| Net loans and leases to total assets | 46.7800% | 3,748 |
| Net loans and leases to deposits | 52.2662% | 3,787 |
| Net loans and leases to core deposits | 53.6326% | 3,826 |
| Total domestic deposits to total assets | 89.5000% | 1,559 |
| Equity capital to assets | 10.3108% | 1,548 |
| Core capital (leverage) ratio | 10.2051% | 2,460 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $41,928,200 | 4,510 |
| Average earning assets | $38,853,600 | 4,491 |
| Average equity | $4,289,200 | 4,500 |
| Average total loans | $20,844,600 | 4,404 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0687% | 3,743 |
| Cost of funding earning assets | 0.1071% | 4,226 |
| Net interest margin | 2.9615% | 3,323 |
| Noninterest income to average assets | 0.2700% | 3,561 |
| Noninterest expense to average assets | 1.8433% | 3,892 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.8899% | 2,907 |
| Return on assets (ROA) | 0.8975% | 2,852 |
| Pretax return on assets | 1.1903% | 2,407 |
| Return on Equity (ROE) | 8.7900% | 3,091 |
| Retained earnings to average equity (ytd only) | 8.7920% | 1,729 |
| Net charge-offs to loans | -0.0959% | 4,486 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 60.9574% | 2,984 |
| Assets per employee ($millions) | 6.3219% | 2,470 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3482% | 1,813 |
| Loan loss allowance to noncurrent loans | 72.4390% | 3,608 |
| Noncurrent assets plus other real estate owned to assets | 0.9265% | 496 |
| Noncurrent loans to loans | 1.8612% | 333 |
| Net loans and leases to total assets | 49.1100% | 3,521 |
| Net loans and leases to deposits | 54.6044% | 3,571 |
| Net loans and leases to core deposits | 56.0118% | 3,627 |
| Total domestic deposits to total assets | 89.9400% | 1,689 |
| Equity capital to assets | 9.8863% | 1,675 |
| Core capital (leverage) ratio | 10.3922% | 2,211 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.8647% | 744 |
| Memoranda: | ||
| Average total assets | $41,446,000 | 4,546 |
| Average earning assets | $38,582,500 | 4,526 |
| Average equity | $4,231,000 | 4,551 |
| Average total loans | $20,847,750 | 4,434 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9725% | 3,620 |
| Cost of funding earning assets | 0.0942% | 4,253 |
| Net interest margin | 2.8783% | 3,226 |
| Noninterest income to average assets | 0.2666% | 3,573 |
| Noninterest expense to average assets | 1.8415% | 3,853 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.8414% | 2,812 |
| Return on assets (ROA) | 0.8492% | 2,760 |
| Pretax return on assets | 1.1503% | 2,240 |
| Return on Equity (ROE) | 8.2238% | 2,958 |
| Retained earnings to average equity (ytd only) | 8.2238% | 1,540 |
| Net charge-offs to loans | -0.1467% | 4,528 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7550% | 3,074 |
| Assets per employee ($millions) | 5.9440% | 2,792 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3767% | 1,853 |
| Loan loss allowance to noncurrent loans | 71.7391% | 3,626 |
| Noncurrent assets plus other real estate owned to assets | 0.9950% | 470 |
| Noncurrent loans to loans | 1.9190% | 341 |
| Net loans and leases to total assets | 51.1368% | 3,251 |
| Net loans and leases to deposits | 57.0965% | 3,298 |
| Net loans and leases to core deposits | 57.0965% | 3,484 |
| Total domestic deposits to total assets | 89.5621% | 1,913 |
| Equity capital to assets | 10.2576% | 1,558 |
| Core capital (leverage) ratio | 10.2668% | 2,125 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.1801% | 694 |
| Memoranda: | ||
| Average total assets | $40,510,333 | 4,606 |
| Average earning assets | $38,217,333 | 4,588 |
| Average equity | $4,183,000 | 4,602 |
| Average total loans | $20,454,000 | 4,498 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0152% | 3,210 |
| Cost of funding earning assets | 0.0949% | 4,199 |
| Net interest margin | 2.9204% | 2,767 |
| Noninterest income to average assets | 0.2703% | 3,516 |
| Noninterest expense to average assets | 1.8518% | 3,805 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.8829% | 2,348 |
| Return on assets (ROA) | 0.8909% | 2,309 |
| Pretax return on assets | 1.2012% | 1,814 |
| Return on Equity (ROE) | 8.5980% | 2,481 |
| Retained earnings to average equity (ytd only) | 8.5980% | 1,397 |
| Net charge-offs to loans | -0.3016% | 4,660 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8553% | 3,389 |
| Assets per employee ($millions) | 6.0439% | 2,769 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4652% | 1,667 |
| Loan loss allowance to noncurrent loans | 70.8831% | 3,648 |
| Noncurrent assets plus other real estate owned to assets | 0.9904% | 514 |
| Noncurrent loans to loans | 2.0671% | 346 |
| Net loans and leases to total assets | 47.2097% | 3,467 |
| Net loans and leases to deposits | 52.6131% | 3,523 |
| Net loans and leases to core deposits | 52.6131% | 3,690 |
| Total domestic deposits to total assets | 89.7298% | 1,703 |
| Equity capital to assets | 9.8920% | 1,979 |
| Core capital (leverage) ratio | 10.3354% | 1,982 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.5014% | 696 |
| Memoranda: | ||
| Average total assets | $39,961,500 | 4,636 |
| Average earning assets | $37,940,500 | 4,612 |
| Average equity | $4,140,500 | 4,644 |
| Average total loans | $19,894,000 | 4,524 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5101% | 2,631 |
| Cost of funding earning assets | 0.1507% | 3,970 |
| Net interest margin | 3.3595% | 2,140 |
| Noninterest income to average assets | 0.3022% | 3,597 |
| Noninterest expense to average assets | 2.2720% | 2,876 |
| Loan and lease loss provision to assets | 0.0962% | 1,294 |
| Net operating income to assets | 0.7282% | 3,546 |
| Return on assets (ROA) | 0.7390% | 3,580 |
| Pretax return on assets | 1.0714% | 3,059 |
| Return on Equity (ROE) | 6.7642% | 3,582 |
| Retained earnings to average equity (ytd only) | 6.7642% | 2,014 |
| Net charge-offs to loans | 0.0968% | 873 |
| Credit loss provision to net charge-offs | 175.0000% | 1,388 |
| Earnings coverage of net charge-offs (x) | 21.0000% | 1,836 |
| Efficiency ratio | 66.3192% | 2,220 |
| Assets per employee ($millions) | 5.3737% | 3,388 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4448% | 1,747 |
| Loan loss allowance to noncurrent loans | 67.3031% | 3,725 |
| Noncurrent assets plus other real estate owned to assets | 1.1139% | 467 |
| Noncurrent loans to loans | 2.1467% | 345 |
| Net loans and leases to total assets | 51.1378% | 3,161 |
| Net loans and leases to deposits | 57.6066% | 3,287 |
| Net loans and leases to core deposits | 57.6066% | 3,506 |
| Total domestic deposits to total assets | 88.7707% | 1,630 |
| Equity capital to assets | 10.8890% | 1,868 |
| Core capital (leverage) ratio | 10.9041% | 1,619 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.2697% | 623 |
| Memoranda: | ||
| Average total assets | $36,400,400 | 4,692 |
| Average earning assets | $33,844,800 | 4,682 |
| Average equity | $3,976,800 | 4,704 |
| Average total loans | $20,666,400 | 4,557 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4861% | 2,872 |
| Cost of funding earning assets | 0.1639% | 3,981 |
| Net interest margin | 3.3222% | 2,351 |
| Noninterest income to average assets | 0.3066% | 3,596 |
| Noninterest expense to average assets | 2.1534% | 3,213 |
| Loan and lease loss provision to assets | 0.0748% | 1,554 |
| Net operating income to assets | 0.9596% | 3,048 |
| Return on assets (ROA) | 0.9751% | 3,085 |
| Pretax return on assets | 1.1672% | 3,029 |
| Return on Equity (ROE) | 8.9179% | 3,131 |
| Retained earnings to average equity (ytd only) | 8.9179% | 1,727 |
| Net charge-offs to loans | 0.1273% | 624 |
| Credit loss provision to net charge-offs | 100.0000% | 1,571 |
| Earnings coverage of net charge-offs (x) | 16.5500% | 1,833 |
| Efficiency ratio | 63.7856% | 2,419 |
| Assets per employee ($millions) | 5.4151% | 3,296 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2304% | 2,836 |
| Loan loss allowance to noncurrent loans | 52.1484% | 3,934 |
| Noncurrent assets plus other real estate owned to assets | 1.3507% | 406 |
| Noncurrent loans to loans | 2.3593% | 331 |
| Net loans and leases to total assets | 56.5451% | 2,667 |
| Net loans and leases to deposits | 63.5345% | 2,902 |
| Net loans and leases to core deposits | 63.5345% | 3,180 |
| Total domestic deposits to total assets | 88.9991% | 1,274 |
| Equity capital to assets | 10.7925% | 2,170 |
| Core capital (leverage) ratio | 10.9082% | 1,733 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.7391% | 856 |
| Memoranda: | ||
| Average total assets | $36,096,500 | 4,770 |
| Average earning assets | $33,350,750 | 4,757 |
| Average equity | $3,947,000 | 4,775 |
| Average total loans | $20,953,500 | 4,614 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4511% | 3,026 |
| Cost of funding earning assets | 0.1774% | 3,975 |
| Net interest margin | 3.2736% | 2,539 |
| Noninterest income to average assets | 0.3156% | 3,537 |
| Noninterest expense to average assets | 2.2370% | 2,960 |
| Loan and lease loss provision to assets | 0.0282% | 2,417 |
| Net operating income to assets | 0.8764% | 3,284 |
| Return on assets (ROA) | 0.8903% | 3,323 |
| Pretax return on assets | 1.0819% | 3,273 |
| Return on Equity (ROE) | 8.1046% | 3,380 |
| Retained earnings to average equity (ytd only) | 8.1046% | 2,039 |
| Net charge-offs to loans | 0.2029% | 424 |
| Credit loss provision to net charge-offs | 23.8095% | 1,720 |
| Earnings coverage of net charge-offs (x) | 9.2381% | 1,846 |
| Efficiency ratio | 67.1743% | 1,986 |
| Assets per employee ($millions) | 5.1881% | 3,469 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1625% | 3,124 |
| Loan loss allowance to noncurrent loans | 48.8327% | 3,969 |
| Noncurrent assets plus other real estate owned to assets | 1.4153% | 424 |
| Noncurrent loans to loans | 2.3806% | 359 |
| Net loans and leases to total assets | 58.7604% | 2,573 |
| Net loans and leases to deposits | 66.1644% | 2,809 |
| Net loans and leases to core deposits | 66.1644% | 3,095 |
| Total domestic deposits to total assets | 88.8096% | 1,381 |
| Equity capital to assets | 10.9728% | 1,998 |
| Core capital (leverage) ratio | 11.0074% | 1,608 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.9126% | 822 |
| Memoranda: | ||
| Average total assets | $35,493,333 | 4,807 |
| Average earning assets | $32,685,333 | 4,795 |
| Average equity | $3,899,000 | 4,810 |
| Average total loans | $20,704,333 | 4,653 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3966% | 3,203 |
| Cost of funding earning assets | 0.1991% | 3,919 |
| Net interest margin | 3.1976% | 2,705 |
| Noninterest income to average assets | 0.2965% | 3,634 |
| Noninterest expense to average assets | 2.3944% | 2,506 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.6433% | 3,826 |
| Return on assets (ROA) | 0.6613% | 3,872 |
| Pretax return on assets | 0.8552% | 3,707 |
| Return on Equity (ROE) | 6.0166% | 3,856 |
| Retained earnings to average equity (ytd only) | 6.0166% | 2,893 |
| Net charge-offs to loans | 0.3356% | 251 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 4.2941% | 1,734 |
| Efficiency ratio | 74.2049% | 1,295 |
| Assets per employee ($millions) | 5.2536% | 3,379 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2293% | 2,768 |
| Loan loss allowance to noncurrent loans | 42.6621% | 4,075 |
| Noncurrent assets plus other real estate owned to assets | 1.5935% | 373 |
| Noncurrent loans to loans | 2.8814% | 280 |
| Net loans and leases to total assets | 54.6213% | 3,177 |
| Net loans and leases to deposits | 61.2278% | 3,391 |
| Net loans and leases to core deposits | 61.8328% | 3,587 |
| Total domestic deposits to total assets | 89.2101% | 1,228 |
| Equity capital to assets | 10.5642% | 2,203 |
| Core capital (leverage) ratio | 11.0138% | 1,697 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.3084% | 753 |
| Memoranda: | ||
| Average total assets | $35,081,500 | 4,833 |
| Average earning assets | $32,149,500 | 4,819 |
| Average equity | $3,856,000 | 4,835 |
| Average total loans | $20,261,000 | 4,688 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8358% | 3,200 |
| Cost of funding earning assets | 0.2666% | 4,310 |
| Net interest margin | 3.5693% | 2,247 |
| Noninterest income to average assets | 0.3084% | 3,636 |
| Noninterest expense to average assets | 2.6885% | 2,274 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.7099% | 3,404 |
| Return on assets (ROA) | 0.7099% | 3,537 |
| Pretax return on assets | 0.9315% | 3,279 |
| Return on Equity (ROE) | 6.0077% | 3,588 |
| Retained earnings to average equity (ytd only) | 6.0077% | 1,790 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2680% | 1,409 |
| Assets per employee ($millions) | 4.7539% | 3,658 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3228% | 2,302 |
| Loan loss allowance to noncurrent loans | 45.4855% | 4,079 |
| Noncurrent assets plus other real estate owned to assets | 1.7640% | 357 |
| Noncurrent loans to loans | 2.9081% | 303 |
| Net loans and leases to total assets | 59.8552% | 2,883 |
| Net loans and leases to deposits | 67.5667% | 3,127 |
| Net loans and leases to core deposits | 68.3106% | 3,388 |
| Total domestic deposits to total assets | 88.5867% | 1,170 |
| Equity capital to assets | 11.2600% | 2,048 |
| Core capital (leverage) ratio | 11.1091% | 1,726 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.4509% | 723 |
| Memoranda: | ||
| Average total assets | $31,132,200 | 4,863 |
| Average earning assets | $28,885,400 | 4,852 |
| Average equity | $3,678,600 | 4,865 |
| Average total loans | $19,260,200 | 4,733 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9908% | 2,996 |
| Cost of funding earning assets | 0.2751% | 4,413 |
| Net interest margin | 3.7158% | 1,891 |
| Noninterest income to average assets | 0.3094% | 3,641 |
| Noninterest expense to average assets | 2.3009% | 3,416 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 1.1330% | 1,867 |
| Return on assets (ROA) | 1.1330% | 1,992 |
| Pretax return on assets | 1.4816% | 1,485 |
| Return on Equity (ROE) | 9.4676% | 2,214 |
| Retained earnings to average equity (ytd only) | 9.4676% | 871 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8295% | 3,254 |
| Assets per employee ($millions) | 4.5843% | 3,735 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2652% | 2,320 |
| Loan loss allowance to noncurrent loans | 39.6142% | 4,189 |
| Noncurrent assets plus other real estate owned to assets | 2.1003% | 298 |
| Noncurrent loans to loans | 3.1939% | 277 |
| Net loans and leases to total assets | 64.9299% | 2,646 |
| Net loans and leases to deposits | 73.7610% | 2,983 |
| Net loans and leases to core deposits | 74.6088% | 3,276 |
| Total domestic deposits to total assets | 88.0274% | 1,207 |
| Equity capital to assets | 11.7981% | 1,804 |
| Core capital (leverage) ratio | 12.0317% | 1,319 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.9763% | 786 |
| Memoranda: | ||
| Average total assets | $30,596,000 | 4,894 |
| Average earning assets | $28,598,250 | 4,884 |
| Average equity | $3,661,500 | 4,889 |
| Average total loans | $19,029,000 | 4,769 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2281% | 2,672 |
| Cost of funding earning assets | 0.2913% | 4,511 |
| Net interest margin | 3.9368% | 1,475 |
| Noninterest income to average assets | 0.3256% | 3,515 |
| Noninterest expense to average assets | 2.2792% | 3,578 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.3755% | 1,160 |
| Return on assets (ROA) | 1.3755% | 1,258 |
| Pretax return on assets | 1.7277% | 938 |
| Return on Equity (ROE) | 11.4365% | 1,498 |
| Retained earnings to average equity (ytd only) | 11.4365% | 546 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.8823% | 3,839 |
| Assets per employee ($millions) | 4.4770% | 3,819 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3522% | 1,770 |
| Loan loss allowance to noncurrent loans | 44.1860% | 4,152 |
| Noncurrent assets plus other real estate owned to assets | 1.9209% | 397 |
| Noncurrent loans to loans | 3.0602% | 308 |
| Net loans and leases to total assets | 61.9228% | 3,137 |
| Net loans and leases to deposits | 70.4341% | 3,386 |
| Net loans and leases to core deposits | 71.2644% | 3,627 |
| Total domestic deposits to total assets | 87.9160% | 1,227 |
| Equity capital to assets | 11.9117% | 1,720 |
| Core capital (leverage) ratio | 11.9655% | 1,390 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.9676% | 676 |
| Memoranda: | ||
| Average total assets | $30,098,000 | 4,930 |
| Average earning assets | $28,145,000 | 4,920 |
| Average equity | $3,620,000 | 4,925 |
| Average total loans | $18,337,667 | 4,808 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8918% | 4,051 |
| Cost of funding earning assets | 0.3061% | 4,642 |
| Net interest margin | 3.5857% | 2,717 |
| Noninterest income to average assets | 0.5428% | 2,318 |
| Noninterest expense to average assets | 2.4968% | 3,279 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.0177% | 2,122 |
| Return on assets (ROA) | 1.0177% | 2,226 |
| Pretax return on assets | 1.3841% | 1,610 |
| Return on Equity (ROE) | 8.4187% | 2,341 |
| Retained earnings to average equity (ytd only) | 8.4187% | 1,120 |
| Net charge-offs to loans | 0.0226% | 1,910 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 102.0000% | 570 |
| Efficiency ratio | 64.3357% | 3,184 |
| Assets per employee ($millions) | 4.2936% | 3,538 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5010% | 1,337 |
| Loan loss allowance to noncurrent loans | 31.4421% | 4,380 |
| Noncurrent assets plus other real estate owned to assets | 2.8148% | 223 |
| Noncurrent loans to loans | 4.7737% | 137 |
| Net loans and leases to total assets | 58.0802% | 3,664 |
| Net loans and leases to deposits | 66.2794% | 3,847 |
| Net loans and leases to core deposits | 66.2794% | 4,070 |
| Total domestic deposits to total assets | 87.6293% | 1,260 |
| Equity capital to assets | 11.9814% | 2,085 |
| Core capital (leverage) ratio | 12.1430% | 1,649 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.7755% | 770 |
| Memoranda: | ||
| Average total assets | $29,477,500 | 4,975 |
| Average earning assets | $27,442,000 | 4,964 |
| Average equity | $3,563,500 | 4,975 |
| Average total loans | $17,670,500 | 4,854 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0326% | 4,182 |
| Cost of funding earning assets | 0.2728% | 4,793 |
| Net interest margin | 3.7599% | 2,639 |
| Noninterest income to average assets | 0.3521% | 3,593 |
| Noninterest expense to average assets | 2.5470% | 3,329 |
| Loan and lease loss provision to assets | 0.2051% | 984 |
| Net operating income to assets | 0.7248% | 3,784 |
| Return on assets (ROA) | 0.7248% | 3,854 |
| Pretax return on assets | 1.0872% | 3,208 |
| Return on Equity (ROE) | 6.1439% | 3,868 |
| Retained earnings to average equity (ytd only) | 6.1439% | 1,796 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3402% | 2,717 |
| Assets per employee ($millions) | 4.1286% | 3,721 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5097% | 1,198 |
| Loan loss allowance to noncurrent loans | 26.1040% | 4,485 |
| Noncurrent assets plus other real estate owned to assets | 3.5260% | 128 |
| Noncurrent loans to loans | 5.7835% | 73 |
| Net loans and leases to total assets | 60.0450% | 3,579 |
| Net loans and leases to deposits | 68.6242% | 3,764 |
| Net loans and leases to core deposits | 68.6242% | 4,048 |
| Total domestic deposits to total assets | 87.4983% | 1,366 |
| Equity capital to assets | 12.2007% | 2,013 |
| Core capital (leverage) ratio | 12.1944% | 1,661 |
| Tier 1 risk-based capital ratio | 19.5281% | 1,407 |
| Total risk-based capital ratio | 20.7798% | 1,368 |
| Memoranda: | ||
| Average total assets | $29,249,600 | 5,033 |
| Average earning assets | $27,128,600 | 5,022 |
| Average equity | $3,450,600 | 5,041 |
| Average total loans | $18,299,400 | 4,900 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9482% | 4,462 |
| Cost of funding earning assets | 0.2645% | 4,890 |
| Net interest margin | 3.6836% | 2,976 |
| Noninterest income to average assets | 0.3499% | 3,635 |
| Noninterest expense to average assets | 2.3088% | 3,929 |
| Loan and lease loss provision to assets | 0.2045% | 858 |
| Net operating income to assets | 1.0089% | 2,950 |
| Return on assets (ROA) | 1.0089% | 3,032 |
| Pretax return on assets | 1.2544% | 2,806 |
| Return on Equity (ROE) | 8.6250% | 3,045 |
| Retained earnings to average equity (ytd only) | 8.6250% | 1,160 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.2786% | 3,440 |
| Assets per employee ($millions) | 4.0243% | 3,870 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3226% | 1,872 |
| Loan loss allowance to noncurrent loans | 14.4911% | 4,653 |
| Noncurrent assets plus other real estate owned to assets | 6.1732% | 46 |
| Noncurrent loans to loans | 9.1272% | 36 |
| Net loans and leases to total assets | 66.7412% | 2,954 |
| Net loans and leases to deposits | 76.4890% | 3,252 |
| Net loans and leases to core deposits | 76.4890% | 3,663 |
| Total domestic deposits to total assets | 87.2559% | 1,404 |
| Equity capital to assets | 12.5524% | 1,874 |
| Core capital (leverage) ratio | 12.3455% | 1,658 |
| Tier 1 risk-based capital ratio | 18.2701% | 1,744 |
| Total risk-based capital ratio | 19.5205% | 1,711 |
| Memoranda: | ||
| Average total assets | $29,337,000 | 5,109 |
| Average earning assets | $27,218,750 | 5,094 |
| Average equity | $3,431,750 | 5,117 |
| Average total loans | $18,469,500 | 4,973 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0090% | 4,356 |
| Cost of funding earning assets | 0.2542% | 4,947 |
| Net interest margin | 3.7548% | 2,735 |
| Noninterest income to average assets | 0.3431% | 3,644 |
| Noninterest expense to average assets | 2.2539% | 4,113 |
| Loan and lease loss provision to assets | 0.2018% | 846 |
| Net operating income to assets | 1.1236% | 2,432 |
| Return on assets (ROA) | 1.1236% | 2,504 |
| Pretax return on assets | 1.3658% | 2,315 |
| Return on Equity (ROE) | 9.8322% | 2,470 |
| Retained earnings to average equity (ytd only) | 9.8322% | 809 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.9789% | 3,866 |
| Assets per employee ($millions) | 4.1893% | 3,590 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2542% | 2,227 |
| Loan loss allowance to noncurrent loans | 30.5019% | 4,542 |
| Noncurrent assets plus other real estate owned to assets | 2.6496% | 263 |
| Noncurrent loans to loans | 4.1118% | 174 |
| Net loans and leases to total assets | 63.6317% | 3,380 |
| Net loans and leases to deposits | 72.3452% | 3,659 |
| Net loans and leases to core deposits | 72.3452% | 3,983 |
| Total domestic deposits to total assets | 87.9557% | 1,121 |
| Equity capital to assets | 11.8704% | 2,289 |
| Core capital (leverage) ratio | 11.7760% | 1,964 |
| Tier 1 risk-based capital ratio | 18.1880% | 1,752 |
| Total risk-based capital ratio | 19.4263% | 1,715 |
| Memoranda: | ||
| Average total assets | $29,726,000 | 5,147 |
| Average earning assets | $27,538,000 | 5,135 |
| Average equity | $3,397,000 | 5,158 |
| Average total loans | $18,275,000 | 5,015 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9849% | 4,398 |
| Cost of funding earning assets | 0.2446% | 4,993 |
| Net interest margin | 3.7403% | 2,746 |
| Noninterest income to average assets | 0.3475% | 3,536 |
| Noninterest expense to average assets | 2.2856% | 4,061 |
| Loan and lease loss provision to assets | 0.2005% | 799 |
| Net operating income to assets | 1.0960% | 2,489 |
| Return on assets (ROA) | 1.0960% | 2,534 |
| Pretax return on assets | 1.3366% | 2,304 |
| Return on Equity (ROE) | 9.7765% | 2,462 |
| Retained earnings to average equity (ytd only) | 9.7765% | 1,091 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.7902% | 3,841 |
| Assets per employee ($millions) | 4.2773% | 3,516 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2150% | 2,500 |
| Loan loss allowance to noncurrent loans | 90.6122% | 3,522 |
| Noncurrent assets plus other real estate owned to assets | 0.8183% | 1,731 |
| Noncurrent loans to loans | 1.3408% | 1,212 |
| Net loans and leases to total assets | 60.2852% | 3,675 |
| Net loans and leases to deposits | 68.1389% | 3,917 |
| Net loans and leases to core deposits | 68.1389% | 4,171 |
| Total domestic deposits to total assets | 88.4740% | 1,101 |
| Equity capital to assets | 11.3423% | 2,528 |
| Core capital (leverage) ratio | 11.4044% | 2,208 |
| Tier 1 risk-based capital ratio | 18.3925% | 1,690 |
| Total risk-based capital ratio | 19.5949% | 1,649 |
| Memoranda: | ||
| Average total assets | $29,926,500 | 5,200 |
| Average earning assets | $27,805,000 | 5,186 |
| Average equity | $3,355,000 | 5,217 |
| Average total loans | $17,964,000 | 5,078 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9663% | 4,122 |
| Cost of funding earning assets | 0.1780% | 5,084 |
| Net interest margin | 3.7883% | 2,700 |
| Noninterest income to average assets | 0.3548% | 3,726 |
| Noninterest expense to average assets | 2.6197% | 3,271 |
| Loan and lease loss provision to assets | 0.1194% | 1,852 |
| Net operating income to assets | 0.9312% | 3,324 |
| Return on assets (ROA) | 0.9312% | 3,315 |
| Pretax return on assets | 1.1734% | 2,998 |
| Return on Equity (ROE) | 8.5510% | 3,200 |
| Retained earnings to average equity (ytd only) | 8.5510% | 1,029 |
| Net charge-offs to loans | 0.1153% | 1,599 |
| Credit loss provision to net charge-offs | 166.6667% | 1,664 |
| Earnings coverage of net charge-offs (x) | 18.0476% | 2,159 |
| Efficiency ratio | 66.9573% | 2,720 |
| Assets per employee ($millions) | 4.2731% | 3,504 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1724% | 2,710 |
| Loan loss allowance to noncurrent loans | 530.7692% | 1,042 |
| Noncurrent assets plus other real estate owned to assets | 0.1304% | 4,171 |
| Noncurrent loans to loans | 0.2209% | 3,786 |
| Net loans and leases to total assets | 58.3344% | 3,929 |
| Net loans and leases to deposits | 65.7213% | 4,137 |
| Net loans and leases to core deposits | 65.7213% | 4,374 |
| Total domestic deposits to total assets | 88.7604% | 963 |
| Equity capital to assets | 11.0792% | 2,610 |
| Core capital (leverage) ratio | 11.3844% | 2,193 |
| Tier 1 risk-based capital ratio | 18.5648% | 1,604 |
| Total risk-based capital ratio | 19.7244% | 1,578 |
| Memoranda: | ||
| Average total assets | $29,316,000 | 5,252 |
| Average earning assets | $27,532,200 | 5,231 |
| Average equity | $3,192,600 | 5,268 |
| Average total loans | $18,210,800 | 5,115 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9209% | 4,157 |
| Cost of funding earning assets | 0.1648% | 5,169 |
| Net interest margin | 3.7561% | 2,803 |
| Noninterest income to average assets | 0.3611% | 3,718 |
| Noninterest expense to average assets | 2.3999% | 3,855 |
| Loan and lease loss provision to assets | 0.1371% | 1,459 |
| Net operating income to assets | 1.0285% | 2,972 |
| Return on assets (ROA) | 1.0285% | 2,983 |
| Pretax return on assets | 1.3668% | 2,353 |
| Return on Equity (ROE) | 9.4866% | 2,859 |
| Retained earnings to average equity (ytd only) | 9.4866% | 1,050 |
| Net charge-offs to loans | 0.1526% | 1,079 |
| Credit loss provision to net charge-offs | 142.8571% | 1,770 |
| Earnings coverage of net charge-offs (x) | 15.6664% | 2,204 |
| Efficiency ratio | 61.4754% | 3,583 |
| Assets per employee ($millions) | 4.0179% | 3,857 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0856% | 3,274 |
| Loan loss allowance to noncurrent loans | 841.6667% | 691 |
| Noncurrent assets plus other real estate owned to assets | 0.0853% | 4,546 |
| Noncurrent loans to loans | 0.1290% | 4,307 |
| Net loans and leases to total assets | 65.4400% | 3,252 |
| Net loans and leases to deposits | 74.1898% | 3,578 |
| Net loans and leases to core deposits | 74.1898% | 3,935 |
| Total domestic deposits to total assets | 88.2062% | 1,150 |
| Equity capital to assets | 11.6124% | 2,169 |
| Core capital (leverage) ratio | 11.3961% | 2,250 |
| Tier 1 risk-based capital ratio | 17.8783% | 1,821 |
| Total risk-based capital ratio | 18.9840% | 1,817 |
| Memoranda: | ||
| Average total assets | $29,167,000 | 5,321 |
| Average earning assets | $27,510,000 | 5,300 |
| Average equity | $3,162,250 | 5,338 |
| Average total loans | $18,349,500 | 5,172 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8204% | 4,301 |
| Cost of funding earning assets | 0.1436% | 5,270 |
| Net interest margin | 3.6768% | 3,019 |
| Noninterest income to average assets | 0.3591% | 3,749 |
| Noninterest expense to average assets | 2.2023% | 4,363 |
| Loan and lease loss provision to assets | 0.1355% | 1,449 |
| Net operating income to assets | 1.1520% | 2,388 |
| Return on assets (ROA) | 1.1520% | 2,390 |
| Pretax return on assets | 1.4908% | 1,846 |
| Return on Equity (ROE) | 10.8707% | 2,167 |
| Retained earnings to average equity (ytd only) | 10.8707% | 695 |
| Net charge-offs to loans | 0.2300% | 696 |
| Credit loss provision to net charge-offs | 95.2381% | 2,115 |
| Earnings coverage of net charge-offs (x) | 11.4286% | 2,273 |
| Efficiency ratio | 57.5221% | 4,304 |
| Assets per employee ($millions) | 4.1107% | 3,711 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0361% | 3,616 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 63.7324% | 3,430 |
| Net loans and leases to deposits | 71.8641% | 3,724 |
| Net loans and leases to core deposits | 71.8641% | 4,018 |
| Total domestic deposits to total assets | 88.6846% | 1,062 |
| Equity capital to assets | 11.1590% | 2,495 |
| Core capital (leverage) ratio | 10.9508% | 2,567 |
| Tier 1 risk-based capital ratio | 17.8329% | 1,848 |
| Total risk-based capital ratio | 18.8993% | 1,858 |
| Memoranda: | ||
| Average total assets | $29,514,330 | 5,382 |
| Average earning assets | $27,850,330 | 5,358 |
| Average equity | $3,127,670 | 5,403 |
| Average total loans | $18,263,670 | 5,230 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7003% | 4,465 |
| Cost of funding earning assets | 0.1276% | 5,362 |
| Net interest margin | 3.5727% | 3,271 |
| Noninterest income to average assets | 0.3614% | 3,725 |
| Noninterest expense to average assets | 2.1818% | 4,456 |
| Loan and lease loss provision to assets | 0.0669% | 2,434 |
| Net operating income to assets | 1.2047% | 1,984 |
| Return on assets (ROA) | 1.2047% | 1,995 |
| Pretax return on assets | 1.4857% | 1,712 |
| Return on Equity (ROE) | 11.6656% | 1,700 |
| Retained earnings to average equity (ytd only) | 11.6656% | 749 |
| Net charge-offs to loans | 0.4633% | 328 |
| Credit loss provision to net charge-offs | 23.8095% | 2,100 |
| Earnings coverage of net charge-offs (x) | 5.5238% | 2,227 |
| Efficiency ratio | 58.4229% | 4,293 |
| Assets per employee ($millions) | 4.3357% | 3,419 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9740% | 4,094 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 59.2949% | 3,818 |
| Net loans and leases to deposits | 66.2787% | 4,067 |
| Net loans and leases to core deposits | 66.2787% | 4,290 |
| Total domestic deposits to total assets | 89.4629% | 907 |
| Equity capital to assets | 10.3163% | 3,261 |
| Core capital (leverage) ratio | 10.4475% | 3,009 |
| Tier 1 risk-based capital ratio | 17.5840% | 1,951 |
| Total risk-based capital ratio | 18.5780% | 1,974 |
| Memoranda: | ||
| Average total assets | $29,884,000 | 5,435 |
| Average earning assets | $28,214,000 | 5,413 |
| Average equity | $3,086,000 | 5,464 |
| Average total loans | $18,130,000 | 5,294 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7089% | 4,312 |
| Cost of funding earning assets | 0.1116% | 5,447 |
| Net interest margin | 3.5973% | 3,178 |
| Noninterest income to average assets | 0.3648% | 3,858 |
| Noninterest expense to average assets | 2.6146% | 3,400 |
| Loan and lease loss provision to assets | 0.0169% | 3,957 |
| Net operating income to assets | 0.7736% | 3,282 |
| Return on assets (ROA) | 0.7736% | 3,324 |
| Pretax return on assets | 1.1080% | 3,157 |
| Return on Equity (ROE) | 7.7527% | 2,919 |
| Retained earnings to average equity (ytd only) | 7.7527% | 844 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9187% | 2,564 |
| Assets per employee ($millions) | 4.2026% | 3,647 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0671% | 3,514 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 60.8267% | 3,754 |
| Net loans and leases to deposits | 67.9528% | 4,033 |
| Net loans and leases to core deposits | 67.9528% | 4,299 |
| Total domestic deposits to total assets | 89.5132% | 767 |
| Equity capital to assets | 10.3372% | 3,342 |
| Core capital (leverage) ratio | 10.2453% | 3,132 |
| Tier 1 risk-based capital ratio | 17.4720% | 1,951 |
| Total risk-based capital ratio | 18.5809% | 1,941 |
| Memoranda: | ||
| Average total assets | $29,603,400 | 5,495 |
| Average earning assets | $27,771,200 | 5,469 |
| Average equity | $2,953,800 | 5,533 |
| Average total loans | $18,015,600 | 5,361 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6810% | 4,371 |
| Cost of funding earning assets | 0.1057% | 5,537 |
| Net interest margin | 3.5753% | 3,241 |
| Noninterest income to average assets | 0.3597% | 3,956 |
| Noninterest expense to average assets | 2.2574% | 4,401 |
| Loan and lease loss provision to assets | 0.0225% | 3,692 |
| Net operating income to assets | 1.0792% | 2,180 |
| Return on assets (ROA) | 1.0792% | 2,236 |
| Pretax return on assets | 1.4255% | 2,037 |
| Return on Equity (ROE) | 10.9137% | 1,736 |
| Retained earnings to average equity (ytd only) | 10.9137% | 424 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.9223% | 4,055 |
| Assets per employee ($millions) | 4.1813% | 3,681 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0316% | 3,898 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 63.2581% | 3,519 |
| Net loans and leases to deposits | 70.7435% | 3,898 |
| Net loans and leases to core deposits | 70.7435% | 4,202 |
| Total domestic deposits to total assets | 89.4188% | 690 |
| Equity capital to assets | 10.4274% | 3,445 |
| Core capital (leverage) ratio | 10.4743% | 3,016 |
| Tier 1 risk-based capital ratio | 16.8964% | 2,182 |
| Total risk-based capital ratio | 17.9649% | 2,199 |
| Memoranda: | ||
| Average total assets | $29,649,750 | 5,556 |
| Average earning assets | $27,745,250 | 5,532 |
| Average equity | $2,932,000 | 5,600 |
| Average total loans | $17,997,750 | 5,416 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6036% | 4,500 |
| Cost of funding earning assets | 0.0999% | 5,598 |
| Net interest margin | 3.5037% | 3,386 |
| Noninterest income to average assets | 0.3627% | 3,964 |
| Noninterest expense to average assets | 2.2434% | 4,474 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.0747% | 2,107 |
| Return on assets (ROA) | 1.0747% | 2,152 |
| Pretax return on assets | 1.4172% | 1,944 |
| Return on Equity (ROE) | 11.0650% | 1,621 |
| Retained earnings to average equity (ytd only) | 11.0650% | 430 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.2844% | 4,121 |
| Assets per employee ($millions) | 4.1837% | 3,653 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0176% | 4,040 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 62.4394% | 3,580 |
| Net loans and leases to deposits | 69.6079% | 3,939 |
| Net loans and leases to core deposits | 69.6079% | 4,251 |
| Total domestic deposits to total assets | 89.7016% | 643 |
| Equity capital to assets | 10.1482% | 3,737 |
| Core capital (leverage) ratio | 10.0405% | 3,489 |
| Tier 1 risk-based capital ratio | 16.7333% | 2,223 |
| Total risk-based capital ratio | 17.7918% | 2,255 |
| Memoranda: | ||
| Average total assets | $29,776,670 | 5,599 |
| Average earning assets | $28,027,670 | 5,575 |
| Average equity | $2,892,000 | 5,648 |
| Average total loans | $17,761,000 | 5,471 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5055% | 4,681 |
| Cost of funding earning assets | 0.0985% | 5,654 |
| Net interest margin | 3.4070% | 3,631 |
| Noninterest income to average assets | 0.3731% | 3,860 |
| Noninterest expense to average assets | 2.1851% | 4,684 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.0659% | 2,005 |
| Return on assets (ROA) | 1.0659% | 2,046 |
| Pretax return on assets | 1.4123% | 1,847 |
| Return on Equity (ROE) | 11.2202% | 1,492 |
| Retained earnings to average equity (ytd only) | 11.2202% | 567 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7407% | 4,355 |
| Assets per employee ($millions) | 4.3063% | 3,499 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0755% | 3,853 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 57.3646% | 4,031 |
| Net loans and leases to deposits | 63.6344% | 4,329 |
| Net loans and leases to core deposits | 63.6344% | 4,559 |
| Total domestic deposits to total assets | 90.1473% | 600 |
| Equity capital to assets | 9.5939% | 4,185 |
| Core capital (leverage) ratio | 9.4751% | 4,142 |
| Tier 1 risk-based capital ratio | 16.7779% | 2,254 |
| Total risk-based capital ratio | 17.8685% | 2,274 |
| Memoranda: | ||
| Average total assets | $30,022,000 | 5,663 |
| Average earning assets | $28,412,500 | 5,631 |
| Average equity | $2,852,000 | 5,711 |
| Average total loans | $17,404,500 | 5,541 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4929% | 4,799 |
| Cost of funding earning assets | 0.1053% | 5,678 |
| Net interest margin | 3.3876% | 3,859 |
| Noninterest income to average assets | 0.3116% | 4,508 |
| Noninterest expense to average assets | 2.3865% | 4,331 |
| Loan and lease loss provision to assets | 0.0166% | 4,047 |
| Net operating income to assets | 0.7690% | 3,456 |
| Return on assets (ROA) | 0.7690% | 3,555 |
| Pretax return on assets | 1.1071% | 3,073 |
| Return on Equity (ROE) | 8.5269% | 2,658 |
| Retained earnings to average equity (ytd only) | 8.5269% | 692 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9887% | 3,232 |
| Assets per employee ($millions) | 4.2714% | 3,486 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0849% | 3,796 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 57.3278% | 4,137 |
| Net loans and leases to deposits | 63.4053% | 4,450 |
| Net loans and leases to core deposits | 63.4053% | 4,670 |
| Total domestic deposits to total assets | 90.4147% | 476 |
| Equity capital to assets | 9.4047% | 4,369 |
| Core capital (leverage) ratio | 9.4245% | 4,189 |
| Tier 1 risk-based capital ratio | 16.5812% | 2,316 |
| Total risk-based capital ratio | 17.6897% | 2,311 |
| Memoranda: | ||
| Average total assets | $30,169,800 | 5,710 |
| Average earning assets | $28,486,200 | 5,685 |
| Average equity | $2,720,800 | 5,782 |
| Average total loans | $17,020,400 | 5,613 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4750% | 4,883 |
| Cost of funding earning assets | 0.1077% | 5,734 |
| Net interest margin | 3.3673% | 3,964 |
| Noninterest income to average assets | 0.3087% | 4,562 |
| Noninterest expense to average assets | 2.1430% | 4,904 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.0318% | 2,282 |
| Return on assets (ROA) | 1.0318% | 2,408 |
| Pretax return on assets | 1.3361% | 2,285 |
| Return on Equity (ROE) | 11.5638% | 1,473 |
| Retained earnings to average equity (ytd only) | 11.5638% | 350 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5970% | 4,296 |
| Assets per employee ($millions) | 4.1591% | 3,673 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0229% | 4,279 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 60.8230% | 3,765 |
| Net loans and leases to deposits | 67.5981% | 4,192 |
| Net loans and leases to core deposits | 67.5981% | 4,499 |
| Total domestic deposits to total assets | 89.9773% | 490 |
| Equity capital to assets | 9.6655% | 4,499 |
| Core capital (leverage) ratio | 9.6489% | 3,997 |
| Tier 1 risk-based capital ratio | 16.5170% | 2,409 |
| Total risk-based capital ratio | 17.5911% | 2,432 |
| Memoranda: | ||
| Average total assets | $30,237,250 | 5,772 |
| Average earning assets | $28,469,250 | 5,745 |
| Average equity | $2,698,000 | 5,847 |
| Average total loans | $16,943,250 | 5,670 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4009% | 5,081 |
| Cost of funding earning assets | 0.1041% | 5,836 |
| Net interest margin | 3.2968% | 4,248 |
| Noninterest income to average assets | 0.3071% | 4,590 |
| Noninterest expense to average assets | 2.0580% | 5,148 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.0519% | 2,161 |
| Return on assets (ROA) | 1.0519% | 2,288 |
| Pretax return on assets | 1.3524% | 2,196 |
| Return on Equity (ROE) | 12.1083% | 1,278 |
| Retained earnings to average equity (ytd only) | 12.1083% | 311 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.3448% | 4,595 |
| Assets per employee ($millions) | 4.1991% | 3,570 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1023% | 3,935 |
| Loan loss allowance to noncurrent loans | 68.0297% | 4,407 |
| Noncurrent assets plus other real estate owned to assets | 0.9152% | 2,326 |
| Noncurrent loans to loans | 1.6204% | 1,319 |
| Net loans and leases to total assets | 55.8549% | 4,327 |
| Net loans and leases to deposits | 61.7009% | 4,680 |
| Net loans and leases to core deposits | 61.7009% | 4,901 |
| Total domestic deposits to total assets | 90.5253% | 310 |
| Equity capital to assets | 9.3250% | 4,946 |
| Core capital (leverage) ratio | 9.0669% | 4,756 |
| Tier 1 risk-based capital ratio | 16.8947% | 2,259 |
| Total risk-based capital ratio | 18.0227% | 2,269 |
| Memoranda: | ||
| Average total assets | $30,611,670 | 5,837 |
| Average earning assets | $28,816,000 | 5,810 |
| Average equity | $2,659,330 | 5,923 |
| Average total loans | $16,627,330 | 5,747 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2839% | 5,348 |
| Cost of funding earning assets | 0.1086% | 5,878 |
| Net interest margin | 3.1754% | 4,656 |
| Noninterest income to average assets | 0.3075% | 4,526 |
| Noninterest expense to average assets | 2.0243% | 5,280 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.9865% | 2,342 |
| Return on assets (ROA) | 0.9865% | 2,455 |
| Pretax return on assets | 1.2812% | 2,377 |
| Return on Equity (ROE) | 11.7625% | 1,383 |
| Retained earnings to average equity (ytd only) | 11.7625% | 538 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.2403% | 4,562 |
| Assets per employee ($millions) | 4.4679% | 3,128 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1259% | 3,907 |
| Loan loss allowance to noncurrent loans | 3,660.0000% | 193 |
| Noncurrent assets plus other real estate owned to assets | 0.0160% | 5,597 |
| Noncurrent loans to loans | 0.0308% | 5,370 |
| Net loans and leases to total assets | 51.3829% | 4,692 |
| Net loans and leases to deposits | 56.2852% | 4,963 |
| Net loans and leases to core deposits | 56.2852% | 5,122 |
| Total domestic deposits to total assets | 91.2902% | 199 |
| Equity capital to assets | 8.4956% | 5,568 |
| Core capital (leverage) ratio | 8.5423% | 5,353 |
| Tier 1 risk-based capital ratio | 16.8549% | 2,344 |
| Total risk-based capital ratio | 18.0157% | 2,318 |
| Memoranda: | ||
| Average total assets | $31,220,500 | 5,886 |
| Average earning assets | $29,477,000 | 5,860 |
| Average equity | $2,618,500 | 5,982 |
| Average total loans | $16,640,500 | 5,802 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2772% | 5,382 |
| Cost of funding earning assets | 0.1128% | 5,914 |
| Net interest margin | 3.1644% | 4,738 |
| Noninterest income to average assets | 0.2932% | 4,789 |
| Noninterest expense to average assets | 2.3363% | 4,687 |
| Loan and lease loss provision to assets | 0.0624% | 3,051 |
| Net operating income to assets | 0.5833% | 4,364 |
| Return on assets (ROA) | 0.5833% | 4,458 |
| Pretax return on assets | 0.8703% | 3,952 |
| Return on Equity (ROE) | 7.4336% | 3,285 |
| Retained earnings to average equity (ytd only) | 7.4336% | 1,119 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4695% | 2,992 |
| Assets per employee ($millions) | 4.4523% | 3,121 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0747% | 4,181 |
| Loan loss allowance to noncurrent loans | 1,143.7500% | 537 |
| Noncurrent assets plus other real estate owned to assets | 0.0513% | 5,471 |
| Noncurrent loans to loans | 0.0940% | 5,123 |
| Net loans and leases to total assets | 54.0493% | 4,497 |
| Net loans and leases to deposits | 59.0224% | 4,843 |
| Net loans and leases to core deposits | 59.0224% | 5,040 |
| Total domestic deposits to total assets | 91.5742% | 164 |
| Equity capital to assets | 8.2783% | 5,720 |
| Core capital (leverage) ratio | 8.0452% | 5,812 |
| Tier 1 risk-based capital ratio | 15.8331% | 2,769 |
| Total risk-based capital ratio | 16.9561% | 2,765 |
| Memoranda: | ||
| Average total assets | $32,059,200 | 5,925 |
| Average earning assets | $30,148,000 | 5,897 |
| Average equity | $2,515,600 | 6,049 |
| Average total loans | $16,754,200 | 5,840 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2247% | 5,552 |
| Cost of funding earning assets | 0.1142% | 6,002 |
| Net interest margin | 3.1105% | 4,936 |
| Noninterest income to average assets | 0.2932% | 4,850 |
| Noninterest expense to average assets | 1.9948% | 5,490 |
| Loan and lease loss provision to assets | 0.0620% | 2,944 |
| Net operating income to assets | 0.8839% | 3,022 |
| Return on assets (ROA) | 0.8839% | 3,104 |
| Pretax return on assets | 1.1606% | 2,969 |
| Return on Equity (ROE) | 11.4155% | 1,568 |
| Retained earnings to average equity (ytd only) | 11.4155% | 426 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0026% | 4,568 |
| Assets per employee ($millions) | 4.5624% | 2,900 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0054% | 4,716 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 54.8768% | 4,475 |
| Net loans and leases to deposits | 59.8463% | 4,870 |
| Net loans and leases to core deposits | 60.3658% | 5,042 |
| Total domestic deposits to total assets | 91.6962% | 125 |
| Equity capital to assets | 8.1629% | 5,893 |
| Core capital (leverage) ratio | 8.1235% | 5,829 |
| Tier 1 risk-based capital ratio | 15.2510% | 3,165 |
| Total risk-based capital ratio | 16.2923% | 3,208 |
| Memoranda: | ||
| Average total assets | $32,282,500 | 6,003 |
| Average earning assets | $30,348,500 | 5,975 |
| Average equity | $2,499,500 | 6,133 |
| Average total loans | $16,685,750 | 5,917 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1270% | 5,710 |
| Cost of funding earning assets | 0.1117% | 6,085 |
| Net interest margin | 3.0153% | 5,185 |
| Noninterest income to average assets | 0.2778% | 4,960 |
| Noninterest expense to average assets | 1.9446% | 5,645 |
| Loan and lease loss provision to assets | 0.0309% | 3,509 |
| Net operating income to assets | 0.8581% | 3,092 |
| Return on assets (ROA) | 0.8581% | 3,197 |
| Pretax return on assets | 1.1359% | 3,027 |
| Return on Equity (ROE) | 11.2840% | 1,594 |
| Retained earnings to average equity (ytd only) | 11.2840% | 471 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5000% | 4,596 |
| Assets per employee ($millions) | 4.5614% | 2,882 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9906% | 4,912 |
| Loan loss allowance to noncurrent loans | 300.0000% | 1,620 |
| Noncurrent assets plus other real estate owned to assets | 0.1754% | 5,168 |
| Noncurrent loans to loans | 0.3302% | 4,510 |
| Net loans and leases to total assets | 52.5900% | 4,696 |
| Net loans and leases to deposits | 57.2052% | 5,048 |
| Net loans and leases to core deposits | 57.2052% | 5,239 |
| Total domestic deposits to total assets | 91.9324% | 133 |
| Equity capital to assets | 7.9298% | 6,012 |
| Core capital (leverage) ratio | 7.7987% | 6,017 |
| Tier 1 risk-based capital ratio | 15.5605% | 3,067 |
| Total risk-based capital ratio | 16.5929% | 3,120 |
| Memoranda: | ||
| Average total assets | $32,397,670 | 6,069 |
| Average earning assets | $30,444,670 | 6,039 |
| Average equity | $2,463,670 | 6,210 |
| Average total loans | $16,346,330 | 5,990 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0427% | 5,852 |
| Cost of funding earning assets | 0.1045% | 6,188 |
| Net interest margin | 2.9382% | 5,370 |
| Noninterest income to average assets | 0.2819% | 4,924 |
| Noninterest expense to average assets | 1.8755% | 5,796 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.8948% | 2,762 |
| Return on assets (ROA) | 0.8948% | 2,892 |
| Pretax return on assets | 1.1645% | 2,816 |
| Return on Equity (ROE) | 12.0189% | 1,345 |
| Retained earnings to average equity (ytd only) | 12.0189% | 572 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.6935% | 4,844 |
| Assets per employee ($millions) | 4.7710% | 2,658 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0216% | 4,914 |
| Loan loss allowance to noncurrent loans | 626.9231% | 812 |
| Noncurrent assets plus other real estate owned to assets | 0.0779% | 5,630 |
| Noncurrent loans to loans | 0.1629% | 5,188 |
| Net loans and leases to total assets | 47.2887% | 5,101 |
| Net loans and leases to deposits | 51.1746% | 5,378 |
| Net loans and leases to core deposits | 51.1746% | 5,531 |
| Total domestic deposits to total assets | 92.4065% | 106 |
| Equity capital to assets | 7.3839% | 6,206 |
| Core capital (leverage) ratio | 7.5107% | 6,134 |
| Tier 1 risk-based capital ratio | 15.2940% | 3,266 |
| Total risk-based capital ratio | 16.3049% | 3,326 |
| Memoranda: | ||
| Average total assets | $32,631,500 | 6,129 |
| Average earning assets | $30,630,500 | 6,100 |
| Average equity | $2,429,500 | 6,277 |
| Average total loans | $16,039,500 | 6,052 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2153% | 5,818 |
| Cost of funding earning assets | 0.1164% | 6,266 |
| Net interest margin | 3.0988% | 5,207 |
| Noninterest income to average assets | 0.3064% | 4,921 |
| Noninterest expense to average assets | 2.3090% | 5,092 |
| Loan and lease loss provision to assets | 0.0967% | 2,536 |
| Net operating income to assets | 0.5321% | 4,676 |
| Return on assets (ROA) | 0.5321% | 4,764 |
| Pretax return on assets | 0.8191% | 4,195 |
| Return on Equity (ROE) | 7.0737% | 3,586 |
| Retained earnings to average equity (ytd only) | 7.0737% | 1,371 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6000% | 3,278 |
| Assets per employee ($millions) | 4.5523% | 2,952 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0110% | 4,985 |
| Loan loss allowance to noncurrent loans | 652.0000% | 871 |
| Noncurrent assets plus other real estate owned to assets | 0.0785% | 5,715 |
| Noncurrent loans to loans | 0.1551% | 5,276 |
| Net loans and leases to total assets | 50.0847% | 4,968 |
| Net loans and leases to deposits | 54.2765% | 5,313 |
| Net loans and leases to core deposits | 54.2765% | 5,488 |
| Total domestic deposits to total assets | 92.2770% | 118 |
| Equity capital to assets | 7.5096% | 6,230 |
| Core capital (leverage) ratio | 7.4651% | 6,212 |
| Tier 1 risk-based capital ratio | 14.9684% | 3,499 |
| Total risk-based capital ratio | 15.9880% | 3,566 |
| Memoranda: | ||
| Average total assets | $31,009,600 | 6,233 |
| Average earning assets | $29,204,400 | 6,197 |
| Average equity | $2,332,600 | 6,371 |
| Average total loans | $15,427,400 | 6,150 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2361% | 5,861 |
| Cost of funding earning assets | 0.1199% | 6,336 |
| Net interest margin | 3.1162% | 5,209 |
| Noninterest income to average assets | 0.3161% | 4,911 |
| Noninterest expense to average assets | 2.1041% | 5,557 |
| Loan and lease loss provision to assets | 0.1299% | 1,930 |
| Net operating income to assets | 0.7966% | 3,442 |
| Return on assets (ROA) | 0.7966% | 3,543 |
| Pretax return on assets | 1.0088% | 3,560 |
| Return on Equity (ROE) | 10.5860% | 1,952 |
| Retained earnings to average equity (ytd only) | 10.5860% | 573 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8865% | 4,394 |
| Assets per employee ($millions) | 4.4913% | 2,986 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0457% | 5,012 |
| Loan loss allowance to noncurrent loans | 603.7037% | 849 |
| Noncurrent assets plus other real estate owned to assets | 0.0859% | 5,818 |
| Noncurrent loans to loans | 0.1732% | 5,390 |
| Net loans and leases to total assets | 49.0633% | 5,106 |
| Net loans and leases to deposits | 53.2209% | 5,440 |
| Net loans and leases to core deposits | 53.2209% | 5,616 |
| Total domestic deposits to total assets | 92.1880% | 134 |
| Equity capital to assets | 7.6720% | 6,261 |
| Core capital (leverage) ratio | 7.7975% | 6,170 |
| Tier 1 risk-based capital ratio | 15.5013% | 3,319 |
| Total risk-based capital ratio | 16.5488% | 3,361 |
| Memoranda: | ||
| Average total assets | $30,795,500 | 6,310 |
| Average earning assets | $28,923,500 | 6,278 |
| Average equity | $2,317,500 | 6,445 |
| Average total loans | $15,253,500 | 6,227 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2059% | 5,941 |
| Cost of funding earning assets | 0.1182% | 6,420 |
| Net interest margin | 3.0877% | 5,293 |
| Noninterest income to average assets | 0.3205% | 4,853 |
| Noninterest expense to average assets | 2.1124% | 5,601 |
| Loan and lease loss provision to assets | 0.1308% | 1,887 |
| Net operating income to assets | 0.7652% | 3,487 |
| Return on assets (ROA) | 0.7652% | 3,596 |
| Pretax return on assets | 0.9810% | 3,552 |
| Return on Equity (ROE) | 10.2362% | 2,040 |
| Retained earnings to average equity (ytd only) | 10.2362% | 671 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5172% | 4,439 |
| Assets per employee ($millions) | 4.3336% | 3,206 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9814% | 5,423 |
| Loan loss allowance to noncurrent loans | 956.2500% | 537 |
| Noncurrent assets plus other real estate owned to assets | 0.0527% | 6,033 |
| Noncurrent loans to loans | 0.1026% | 5,709 |
| Net loans and leases to total assets | 50.8884% | 4,868 |
| Net loans and leases to deposits | 55.2387% | 5,262 |
| Net loans and leases to core deposits | 55.2387% | 5,461 |
| Total domestic deposits to total assets | 92.1246% | 157 |
| Equity capital to assets | 7.7303% | 6,285 |
| Core capital (leverage) ratio | 7.7672% | 6,225 |
| Tier 1 risk-based capital ratio | 15.4033% | 3,411 |
| Total risk-based capital ratio | 16.4083% | 3,498 |
| Memoranda: | ||
| Average total assets | $30,581,000 | 6,372 |
| Average earning assets | $28,759,330 | 6,338 |
| Average equity | $2,286,000 | 6,506 |
| Average total loans | $15,142,000 | 6,284 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0941% | 6,133 |
| Cost of funding earning assets | 0.1238% | 6,481 |
| Net interest margin | 2.9703% | 5,594 |
| Noninterest income to average assets | 0.3257% | 4,764 |
| Noninterest expense to average assets | 2.1235% | 5,634 |
| Loan and lease loss provision to assets | 0.0651% | 2,824 |
| Net operating income to assets | 0.7426% | 3,465 |
| Return on assets (ROA) | 0.7426% | 3,551 |
| Pretax return on assets | 0.9510% | 3,511 |
| Return on Equity (ROE) | 10.1041% | 1,994 |
| Retained earnings to average equity (ytd only) | 10.1041% | 931 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6349% | 4,241 |
| Assets per employee ($millions) | 4.4249% | 3,100 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9223% | 5,795 |
| Loan loss allowance to noncurrent loans | 600.0000% | 793 |
| Noncurrent assets plus other real estate owned to assets | 0.0743% | 6,029 |
| Noncurrent loans to loans | 0.1537% | 5,621 |
| Net loans and leases to total assets | 47.8627% | 5,150 |
| Net loans and leases to deposits | 51.7850% | 5,466 |
| Net loans and leases to core deposits | 51.7850% | 5,632 |
| Total domestic deposits to total assets | 92.4259% | 177 |
| Equity capital to assets | 7.3772% | 6,354 |
| Core capital (leverage) ratio | 7.5388% | 6,324 |
| Tier 1 risk-based capital ratio | 15.4507% | 3,468 |
| Total risk-based capital ratio | 16.3838% | 3,594 |
| Memoranda: | ||
| Average total assets | $30,704,000 | 6,440 |
| Average earning assets | $29,087,500 | 6,395 |
| Average equity | $2,256,500 | 6,572 |
| Average total loans | $14,918,000 | 6,351 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1678% | 6,173 |
| Cost of funding earning assets | 0.1496% | 6,540 |
| Net interest margin | 3.0182% | 5,535 |
| Noninterest income to average assets | 0.3243% | 5,017 |
| Noninterest expense to average assets | 2.3849% | 5,114 |
| Loan and lease loss provision to assets | 0.0174% | 4,783 |
| Net operating income to assets | 0.5091% | 4,695 |
| Return on assets (ROA) | 0.5091% | 4,824 |
| Pretax return on assets | 0.7357% | 4,398 |
| Return on Equity (ROE) | 6.7133% | 3,716 |
| Retained earnings to average equity (ytd only) | 6.7133% | 1,569 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.0000% | 2,769 |
| Assets per employee ($millions) | 5.0723% | 2,103 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8942% | 5,952 |
| Loan loss allowance to noncurrent loans | 578.2609% | 841 |
| Noncurrent assets plus other real estate owned to assets | 0.0756% | 6,123 |
| Noncurrent loans to loans | 0.1546% | 5,730 |
| Net loans and leases to total assets | 48.4327% | 5,246 |
| Net loans and leases to deposits | 52.4667% | 5,589 |
| Net loans and leases to core deposits | 52.4667% | 5,759 |
| Total domestic deposits to total assets | 92.3112% | 234 |
| Equity capital to assets | 7.3208% | 6,359 |
| Core capital (leverage) ratio | 7.4803% | 6,379 |
| Tier 1 risk-based capital ratio | 15.3729% | 3,447 |
| Total risk-based capital ratio | 16.2906% | 3,584 |
| Memoranda: | ||
| Average total assets | $28,680,400 | 6,551 |
| Average earning assets | $26,737,600 | 6,513 |
| Average equity | $2,174,800 | 6,664 |
| Average total loans | $12,967,200 | 6,488 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2540% | 6,128 |
| Cost of funding earning assets | 0.1586% | 6,606 |
| Net interest margin | 3.0954% | 5,328 |
| Noninterest income to average assets | 0.3352% | 5,012 |
| Noninterest expense to average assets | 2.2141% | 5,571 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.7459% | 3,624 |
| Return on assets (ROA) | 0.7459% | 3,747 |
| Pretax return on assets | 0.9772% | 3,598 |
| Return on Equity (ROE) | 9.7460% | 2,284 |
| Retained earnings to average equity (ytd only) | 9.7460% | 844 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3787% | 3,855 |
| Assets per employee ($millions) | 4.8568% | 2,358 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0140% | 5,655 |
| Loan loss allowance to noncurrent loans | 533.3333% | 839 |
| Noncurrent assets plus other real estate owned to assets | 0.0824% | 6,191 |
| Noncurrent loans to loans | 0.1901% | 5,765 |
| Net loans and leases to total assets | 42.8777% | 5,828 |
| Net loans and leases to deposits | 46.5259% | 6,063 |
| Net loans and leases to core deposits | 46.9719% | 6,172 |
| Total domestic deposits to total assets | 92.1588% | 227 |
| Equity capital to assets | 7.6868% | 6,310 |
| Core capital (leverage) ratio | 7.8804% | 6,288 |
| Tier 1 risk-based capital ratio | 17.8643% | 2,369 |
| Total risk-based capital ratio | 18.8851% | 2,434 |
| Memoranda: | ||
| Average total assets | $28,242,000 | 6,632 |
| Average earning assets | $26,059,500 | 6,602 |
| Average equity | $2,161,500 | 6,748 |
| Average total loans | $12,490,750 | 6,568 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2734% | 6,128 |
| Cost of funding earning assets | 0.1637% | 6,655 |
| Net interest margin | 3.1097% | 5,245 |
| Noninterest income to average assets | 0.3364% | 4,993 |
| Noninterest expense to average assets | 2.1974% | 5,636 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.7659% | 3,488 |
| Return on assets (ROA) | 0.7659% | 3,644 |
| Pretax return on assets | 0.9949% | 3,532 |
| Return on Equity (ROE) | 10.0219% | 2,192 |
| Retained earnings to average equity (ytd only) | 10.0219% | 837 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8341% | 4,034 |
| Assets per employee ($millions) | 4.6447% | 2,587 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9919% | 5,857 |
| Loan loss allowance to noncurrent loans | 752.9412% | 596 |
| Noncurrent assets plus other real estate owned to assets | 0.0610% | 6,317 |
| Noncurrent loans to loans | 0.1317% | 5,993 |
| Net loans and leases to total assets | 45.8483% | 5,552 |
| Net loans and leases to deposits | 49.8440% | 5,851 |
| Net loans and leases to core deposits | 50.3448% | 6,009 |
| Total domestic deposits to total assets | 91.9836% | 250 |
| Equity capital to assets | 7.8549% | 6,293 |
| Core capital (leverage) ratio | 7.9231% | 6,233 |
| Tier 1 risk-based capital ratio | 17.1902% | 2,644 |
| Total risk-based capital ratio | 18.1954% | 2,706 |
| Memoranda: | ||
| Average total assets | $27,942,330 | 6,693 |
| Average earning assets | $25,661,330 | 6,665 |
| Average equity | $2,135,330 | 6,801 |
| Average total loans | $12,446,670 | 6,614 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2174% | 6,280 |
| Cost of funding earning assets | 0.1718% | 6,716 |
| Net interest margin | 3.0456% | 5,448 |
| Noninterest income to average assets | 0.3431% | 4,945 |
| Noninterest expense to average assets | 2.1444% | 5,817 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.7577% | 3,389 |
| Return on assets (ROA) | 0.7577% | 3,528 |
| Pretax return on assets | 0.9864% | 3,415 |
| Return on Equity (ROE) | 10.0545% | 2,041 |
| Retained earnings to average equity (ytd only) | 10.0545% | 1,092 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4932% | 4,223 |
| Assets per employee ($millions) | 4.6928% | 2,665 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0183% | 5,925 |
| Loan loss allowance to noncurrent loans | 752.9412% | 601 |
| Noncurrent assets plus other real estate owned to assets | 0.0604% | 6,422 |
| Noncurrent loans to loans | 0.1352% | 6,063 |
| Net loans and leases to total assets | 44.1879% | 5,640 |
| Net loans and leases to deposits | 47.9313% | 5,926 |
| Net loans and leases to core deposits | 48.4049% | 6,073 |
| Total domestic deposits to total assets | 92.1902% | 216 |
| Equity capital to assets | 7.5825% | 6,565 |
| Core capital (leverage) ratio | 7.6348% | 6,399 |
| Tier 1 risk-based capital ratio | 17.0554% | 2,719 |
| Total risk-based capital ratio | 18.0780% | 2,809 |
| Memoranda: | ||
| Average total assets | $27,979,500 | 6,758 |
| Average earning assets | $25,610,500 | 6,731 |
| Average equity | $2,108,500 | 6,868 |
| Average total loans | $12,217,500 | 6,689 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5685% | 6,269 |
| Cost of funding earning assets | 0.2447% | 6,692 |
| Net interest margin | 3.3238% | 5,167 |
| Noninterest income to average assets | 0.3160% | 5,194 |
| Noninterest expense to average assets | 2.5579% | 4,903 |
| Loan and lease loss provision to assets | 0.0188% | 5,669 |
| Net operating income to assets | 0.5454% | 4,500 |
| Return on assets (ROA) | 0.5454% | 4,748 |
| Pretax return on assets | 0.8050% | 4,272 |
| Return on Equity (ROE) | 7.1078% | 3,583 |
| Retained earnings to average equity (ytd only) | 7.1078% | 1,519 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.6396% | 2,810 |
| Assets per employee ($millions) | 4.6337% | 2,726 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0788% | 5,635 |
| Loan loss allowance to noncurrent loans | 752.9412% | 578 |
| Noncurrent assets plus other real estate owned to assets | 0.0611% | 6,464 |
| Noncurrent loans to loans | 0.1433% | 6,126 |
| Net loans and leases to total assets | 42.2164% | 5,981 |
| Net loans and leases to deposits | 45.7351% | 6,270 |
| Net loans and leases to core deposits | 46.1923% | 6,360 |
| Total domestic deposits to total assets | 92.3063% | 196 |
| Equity capital to assets | 7.4887% | 6,640 |
| Core capital (leverage) ratio | 7.5803% | 6,457 |
| Tier 1 risk-based capital ratio | 15.1341% | 3,652 |
| Total risk-based capital ratio | 16.0645% | 3,778 |
| Memoranda: | ||
| Average total assets | $26,584,600 | 6,829 |
| Average earning assets | $24,520,200 | 6,802 |
| Average equity | $2,040,000 | 6,946 |
| Average total loans | $12,281,200 | 6,771 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6231% | 6,364 |
| Cost of funding earning assets | 0.2573% | 6,783 |
| Net interest margin | 3.3659% | 5,160 |
| Noninterest income to average assets | 0.3247% | 5,185 |
| Noninterest expense to average assets | 2.2830% | 5,731 |
| Loan and lease loss provision to assets | 0.0254% | 5,468 |
| Net operating income to assets | 0.9234% | 2,862 |
| Return on assets (ROA) | 0.9234% | 3,089 |
| Pretax return on assets | 1.1364% | 3,201 |
| Return on Equity (ROE) | 11.9566% | 1,653 |
| Retained earnings to average equity (ytd only) | 11.9566% | 538 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2739% | 4,402 |
| Assets per employee ($millions) | 4.4625% | 2,976 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0343% | 5,958 |
| Loan loss allowance to noncurrent loans | 711.1111% | 574 |
| Noncurrent assets plus other real estate owned to assets | 0.0672% | 6,575 |
| Noncurrent loans to loans | 0.1454% | 6,243 |
| Net loans and leases to total assets | 45.7442% | 5,792 |
| Net loans and leases to deposits | 49.7664% | 6,128 |
| Net loans and leases to core deposits | 50.2833% | 6,266 |
| Total domestic deposits to total assets | 91.9178% | 216 |
| Equity capital to assets | 7.9141% | 6,631 |
| Core capital (leverage) ratio | 7.9650% | 6,354 |
| Tier 1 risk-based capital ratio | 15.1206% | 3,759 |
| Total risk-based capital ratio | 16.0340% | 3,948 |
| Memoranda: | ||
| Average total assets | $26,280,250 | 6,920 |
| Average earning assets | $24,361,500 | 6,890 |
| Average equity | $2,029,500 | 7,036 |
| Average total loans | $12,385,250 | 6,855 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6454% | 6,424 |
| Cost of funding earning assets | 0.2722% | 6,833 |
| Net interest margin | 3.3732% | 5,196 |
| Noninterest income to average assets | 0.3370% | 5,132 |
| Noninterest expense to average assets | 2.2745% | 5,808 |
| Loan and lease loss provision to assets | 0.0383% | 5,198 |
| Net operating income to assets | 0.9420% | 2,701 |
| Return on assets (ROA) | 0.9420% | 2,962 |
| Pretax return on assets | 1.1564% | 3,090 |
| Return on Equity (ROE) | 12.3020% | 1,576 |
| Retained earnings to average equity (ytd only) | 12.3020% | 536 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5629% | 4,609 |
| Assets per employee ($millions) | 4.4310% | 3,037 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0123% | 6,104 |
| Loan loss allowance to noncurrent loans | 457.1429% | 792 |
| Noncurrent assets plus other real estate owned to assets | 0.1053% | 6,533 |
| Noncurrent loans to loans | 0.2214% | 6,138 |
| Net loans and leases to total assets | 47.0774% | 5,710 |
| Net loans and leases to deposits | 51.1233% | 6,093 |
| Net loans and leases to core deposits | 51.6998% | 6,257 |
| Total domestic deposits to total assets | 92.0861% | 213 |
| Equity capital to assets | 7.7484% | 6,697 |
| Core capital (leverage) ratio | 7.9130% | 6,354 |
| Tier 1 risk-based capital ratio | 14.5091% | 4,097 |
| Total risk-based capital ratio | 15.4106% | 4,299 |
| Memoranda: | ||
| Average total assets | $26,115,330 | 6,983 |
| Average earning assets | $24,249,670 | 6,949 |
| Average equity | $1,999,670 | 7,089 |
| Average total loans | $12,388,330 | 6,905 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6114% | 6,563 |
| Cost of funding earning assets | 0.2982% | 6,848 |
| Net interest margin | 3.3132% | 5,426 |
| Noninterest income to average assets | 0.3709% | 4,899 |
| Noninterest expense to average assets | 2.2411% | 5,930 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.0046% | 2,468 |
| Return on assets (ROA) | 1.0046% | 2,656 |
| Pretax return on assets | 1.2210% | 2,833 |
| Return on Equity (ROE) | 13.2013% | 1,352 |
| Retained earnings to average equity (ytd only) | 13.2013% | 656 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7321% | 4,790 |
| Assets per employee ($millions) | 4.3713% | 3,253 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9886% | 6,291 |
| Loan loss allowance to noncurrent loans | 683.3333% | 530 |
| Noncurrent assets plus other real estate owned to assets | 0.0686% | 6,716 |
| Noncurrent loans to loans | 0.1447% | 6,399 |
| Net loans and leases to total assets | 46.9689% | 5,685 |
| Net loans and leases to deposits | 50.9660% | 6,075 |
| Net loans and leases to core deposits | 51.5461% | 6,239 |
| Total domestic deposits to total assets | 92.1572% | 231 |
| Equity capital to assets | 7.6331% | 6,723 |
| Core capital (leverage) ratio | 7.7817% | 6,430 |
| Tier 1 risk-based capital ratio | 14.5876% | 4,028 |
| Total risk-based capital ratio | 15.4838% | 4,262 |
| Memoranda: | ||
| Average total assets | $25,880,000 | 7,052 |
| Average earning assets | $24,145,500 | 7,014 |
| Average equity | $1,969,500 | 7,154 |
| Average total loans | $12,260,500 | 6,968 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9241% | 6,581 |
| Cost of funding earning assets | 0.3643% | 6,977 |
| Net interest margin | 3.5598% | 4,894 |
| Noninterest income to average assets | 0.3834% | 4,757 |
| Noninterest expense to average assets | 2.7557% | 4,527 |
| Loan and lease loss provision to assets | 0.0632% | 5,819 |
| Net operating income to assets | 0.5899% | 4,054 |
| Return on assets (ROA) | 0.5899% | 4,231 |
| Pretax return on assets | 0.8174% | 3,920 |
| Return on Equity (ROE) | 7.4428% | 3,178 |
| Retained earnings to average equity (ytd only) | 7.4428% | 1,295 |
| Net charge-offs to loans | 0.0620% | 5,677 |
| Credit loss provision to net charge-offs | 214.2857% | 1,137 |
| Earnings coverage of net charge-offs (x) | 29.8571% | 848 |
| Efficiency ratio | 75.7822% | 2,917 |
| Assets per employee ($millions) | 4.2553% | 3,352 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0183% | 6,129 |
| Loan loss allowance to noncurrent loans | 585.7143% | 604 |
| Noncurrent assets plus other real estate owned to assets | 0.0822% | 6,748 |
| Noncurrent loans to loans | 0.1739% | 6,403 |
| Net loans and leases to total assets | 46.8275% | 5,938 |
| Net loans and leases to deposits | 50.7664% | 6,309 |
| Net loans and leases to core deposits | 51.3596% | 6,459 |
| Total domestic deposits to total assets | 92.2411% | 208 |
| Equity capital to assets | 7.5866% | 6,774 |
| Core capital (leverage) ratio | 7.7754% | 6,464 |
| Tier 1 risk-based capital ratio | 14.3089% | 4,103 |
| Total risk-based capital ratio | 15.2176% | 4,301 |
| Memoranda: | ||
| Average total assets | $23,732,400 | 7,133 |
| Average earning assets | $21,686,600 | 7,114 |
| Average equity | $1,881,000 | 7,227 |
| Average total loans | $11,287,000 | 7,067 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9904% | 6,606 |
| Cost of funding earning assets | 0.3833% | 7,053 |
| Net interest margin | 3.6070% | 4,740 |
| Noninterest income to average assets | 0.3894% | 4,743 |
| Noninterest expense to average assets | 2.5598% | 5,238 |
| Loan and lease loss provision to assets | 0.0573% | 5,725 |
| Net operating income to assets | 0.7960% | 3,183 |
| Return on assets (ROA) | 0.7960% | 3,348 |
| Pretax return on assets | 1.0594% | 3,170 |
| Return on Equity (ROE) | 9.9266% | 2,226 |
| Retained earnings to average equity (ytd only) | 9.9266% | 863 |
| Net charge-offs to loans | 0.0841% | 5,132 |
| Credit loss provision to net charge-offs | 142.8571% | 2,224 |
| Earnings coverage of net charge-offs (x) | 27.8660% | 979 |
| Efficiency ratio | 69.6262% | 4,015 |
| Assets per employee ($millions) | 4.0823% | 3,669 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9933% | 6,310 |
| Loan loss allowance to noncurrent loans | 655.5556% | 533 |
| Noncurrent assets plus other real estate owned to assets | 0.0735% | 6,874 |
| Noncurrent loans to loans | 0.1515% | 6,570 |
| Net loans and leases to total assets | 48.0199% | 5,952 |
| Net loans and leases to deposits | 52.2547% | 6,343 |
| Net loans and leases to core deposits | 52.9391% | 6,511 |
| Total domestic deposits to total assets | 91.8960% | 222 |
| Equity capital to assets | 7.9040% | 6,753 |
| Core capital (leverage) ratio | 7.9221% | 6,468 |
| Tier 1 risk-based capital ratio | 14.5772% | 3,925 |
| Total risk-based capital ratio | 15.4657% | 4,157 |
| Memoranda: | ||
| Average total assets | $23,282,500 | 7,214 |
| Average earning assets | $21,217,250 | 7,195 |
| Average equity | $1,867,000 | 7,303 |
| Average total loans | $11,089,000 | 7,146 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9756% | 6,700 |
| Cost of funding earning assets | 0.3900% | 7,148 |
| Net interest margin | 3.5856% | 4,771 |
| Noninterest income to average assets | 0.4021% | 4,665 |
| Noninterest expense to average assets | 2.6050% | 5,162 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.8217% | 2,971 |
| Return on assets (ROA) | 0.8217% | 3,089 |
| Pretax return on assets | 1.0927% | 2,880 |
| Return on Equity (ROE) | 10.1952% | 2,054 |
| Retained earnings to average equity (ytd only) | 10.1952% | 808 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4492% | 4,029 |
| Assets per employee ($millions) | 3.9413% | 3,889 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0348% | 6,206 |
| Loan loss allowance to noncurrent loans | 638.8889% | 545 |
| Noncurrent assets plus other real estate owned to assets | 0.0761% | 6,910 |
| Noncurrent loans to loans | 0.1620% | 6,575 |
| Net loans and leases to total assets | 46.5071% | 6,215 |
| Net loans and leases to deposits | 50.6587% | 6,557 |
| Net loans and leases to core deposits | 51.3469% | 6,697 |
| Total domestic deposits to total assets | 91.8048% | 276 |
| Equity capital to assets | 7.9964% | 6,686 |
| Core capital (leverage) ratio | 8.0485% | 6,242 |
| Tier 1 risk-based capital ratio | 14.9581% | 3,510 |
| Total risk-based capital ratio | 15.8677% | 3,686 |
| Memoranda: | ||
| Average total assets | $22,878,670 | 7,290 |
| Average earning assets | $21,028,330 | 7,270 |
| Average equity | $1,844,000 | 7,375 |
| Average total loans | $10,825,330 | 7,228 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9559% | 6,756 |
| Cost of funding earning assets | 0.4013% | 7,223 |
| Net interest margin | 3.5545% | 4,790 |
| Noninterest income to average assets | 0.3912% | 4,774 |
| Noninterest expense to average assets | 2.5962% | 5,240 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.8358% | 2,851 |
| Return on assets (ROA) | 0.8358% | 2,912 |
| Pretax return on assets | 1.1025% | 2,745 |
| Return on Equity (ROE) | 10.3268% | 1,984 |
| Retained earnings to average equity (ytd only) | 10.3268% | 1,039 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1923% | 4,222 |
| Assets per employee ($millions) | 3.8877% | 4,102 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0645% | 6,178 |
| Loan loss allowance to noncurrent loans | 638.8889% | 538 |
| Noncurrent assets plus other real estate owned to assets | 0.0772% | 6,973 |
| Noncurrent loans to loans | 0.1666% | 6,639 |
| Net loans and leases to total assets | 45.8201% | 6,305 |
| Net loans and leases to deposits | 49.9089% | 6,630 |
| Net loans and leases to core deposits | 50.6396% | 6,749 |
| Total domestic deposits to total assets | 91.8074% | 339 |
| Equity capital to assets | 7.9053% | 6,590 |
| Core capital (leverage) ratio | 7.9744% | 6,286 |
| Tier 1 risk-based capital ratio | 15.0004% | 3,422 |
| Total risk-based capital ratio | 15.9359% | 3,577 |
| Memoranda: | ||
| Average total assets | $22,494,000 | 7,349 |
| Average earning assets | $20,931,000 | 7,324 |
| Average equity | $1,820,500 | 7,429 |
| Average total loans | $10,681,500 | 7,296 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3767% | 6,657 |
| Cost of funding earning assets | 0.5991% | 7,134 |
| Net interest margin | 3.7776% | 4,043 |
| Noninterest income to average assets | 0.3903% | 4,977 |
| Noninterest expense to average assets | 2.8834% | 4,303 |
| Loan and lease loss provision to assets | 0.0459% | 6,704 |
| Net operating income to assets | 0.6015% | 3,659 |
| Return on assets (ROA) | 0.6015% | 3,825 |
| Pretax return on assets | 0.8770% | 3,386 |
| Return on Equity (ROE) | 7.4857% | 2,901 |
| Retained earnings to average equity (ytd only) | 7.4857% | 1,153 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7539% | 3,084 |
| Assets per employee ($millions) | 3.6103% | 4,672 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0890% | 5,990 |
| Loan loss allowance to noncurrent loans | 638.8889% | 527 |
| Noncurrent assets plus other real estate owned to assets | 0.0831% | 7,030 |
| Noncurrent loans to loans | 0.1705% | 6,727 |
| Net loans and leases to total assets | 48.2181% | 6,371 |
| Net loans and leases to deposits | 52.7365% | 6,690 |
| Net loans and leases to core deposits | 53.5723% | 6,832 |
| Total domestic deposits to total assets | 91.4320% | 418 |
| Equity capital to assets | 8.2956% | 6,152 |
| Core capital (leverage) ratio | 8.0320% | 6,149 |
| Tier 1 risk-based capital ratio | 15.3367% | 3,077 |
| Total risk-based capital ratio | 16.3182% | 3,153 |
| Memoranda: | ||
| Average total assets | $21,779,600 | 7,428 |
| Average earning assets | $19,695,200 | 7,408 |
| Average equity | $1,750,000 | 7,547 |
| Average total loans | $10,286,000 | 7,380 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4048% | 6,811 |
| Cost of funding earning assets | 0.6467% | 7,189 |
| Net interest margin | 3.7580% | 4,152 |
| Noninterest income to average assets | 0.3790% | 5,125 |
| Noninterest expense to average assets | 2.5860% | 5,378 |
| Loan and lease loss provision to assets | 0.0306% | 6,763 |
| Net operating income to assets | 0.9048% | 2,584 |
| Return on assets (ROA) | 0.9048% | 2,733 |
| Pretax return on assets | 1.1371% | 2,708 |
| Return on Equity (ROE) | 11.3522% | 1,685 |
| Retained earnings to average equity (ytd only) | 11.3522% | 548 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8925% | 4,289 |
| Assets per employee ($millions) | 3.7000% | 4,509 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0659% | 6,091 |
| Loan loss allowance to noncurrent loans | 578.9474% | 546 |
| Noncurrent assets plus other real estate owned to assets | 0.0856% | 7,133 |
| Noncurrent loans to loans | 0.1841% | 6,814 |
| Net loans and leases to total assets | 45.9910% | 6,695 |
| Net loans and leases to deposits | 50.2263% | 6,999 |
| Net loans and leases to core deposits | 51.0474% | 7,084 |
| Total domestic deposits to total assets | 91.5676% | 289 |
| Equity capital to assets | 8.1712% | 6,642 |
| Core capital (leverage) ratio | 8.3560% | 5,777 |
| Tier 1 risk-based capital ratio | 15.5548% | 2,969 |
| Total risk-based capital ratio | 16.4980% | 3,097 |
| Memoranda: | ||
| Average total assets | $21,809,000 | 7,517 |
| Average earning assets | $19,584,250 | 7,509 |
| Average equity | $1,738,250 | 7,647 |
| Average total loans | $10,217,500 | 7,482 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4623% | 6,778 |
| Cost of funding earning assets | 0.6889% | 7,213 |
| Net interest margin | 3.7735% | 4,030 |
| Noninterest income to average assets | 0.3783% | 5,100 |
| Noninterest expense to average assets | 2.5924% | 5,353 |
| Loan and lease loss provision to assets | 0.0461% | 6,507 |
| Net operating income to assets | 0.8949% | 2,569 |
| Return on assets (ROA) | 0.8949% | 2,690 |
| Pretax return on assets | 1.1255% | 2,691 |
| Return on Equity (ROE) | 11.3252% | 1,641 |
| Retained earnings to average equity (ytd only) | 11.3252% | 589 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8725% | 4,408 |
| Assets per employee ($millions) | 3.5748% | 4,743 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0686% | 6,087 |
| Loan loss allowance to noncurrent loans | 500.0000% | 651 |
| Noncurrent assets plus other real estate owned to assets | 0.1026% | 7,140 |
| Noncurrent loans to loans | 0.2137% | 6,825 |
| Net loans and leases to total assets | 47.4801% | 6,659 |
| Net loans and leases to deposits | 51.8745% | 6,985 |
| Net loans and leases to core deposits | 52.7532% | 7,097 |
| Total domestic deposits to total assets | 91.5287% | 322 |
| Equity capital to assets | 8.2195% | 6,516 |
| Core capital (leverage) ratio | 8.2949% | 5,780 |
| Tier 1 risk-based capital ratio | 15.4568% | 2,918 |
| Total risk-based capital ratio | 16.4212% | 3,027 |
| Memoranda: | ||
| Average total assets | $21,678,670 | 7,585 |
| Average earning assets | $19,451,670 | 7,576 |
| Average equity | $1,713,000 | 7,715 |
| Average total loans | $10,183,330 | 7,544 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4226% | 6,956 |
| Cost of funding earning assets | 0.7166% | 7,299 |
| Net interest margin | 3.7060% | 4,209 |
| Noninterest income to average assets | 0.3304% | 5,498 |
| Noninterest expense to average assets | 2.5145% | 5,682 |
| Loan and lease loss provision to assets | 0.0918% | 5,716 |
| Net operating income to assets | 0.8076% | 2,930 |
| Return on assets (ROA) | 0.8076% | 3,025 |
| Pretax return on assets | 1.0462% | 2,916 |
| Return on Equity (ROE) | 10.4265% | 1,973 |
| Retained earnings to average equity (ytd only) | 10.4265% | 1,061 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8442% | 4,542 |
| Assets per employee ($millions) | 3.6147% | 4,787 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0686% | 6,153 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 46.9568% | 6,755 |
| Net loans and leases to deposits | 51.1759% | 7,070 |
| Net loans and leases to core deposits | 52.0229% | 7,198 |
| Total domestic deposits to total assets | 91.7558% | 301 |
| Equity capital to assets | 7.8845% | 6,773 |
| Core capital (leverage) ratio | 7.8824% | 6,401 |
| Tier 1 risk-based capital ratio | 15.0701% | 3,087 |
| Total risk-based capital ratio | 16.0395% | 3,173 |
| Memoranda: | ||
| Average total assets | $21,793,500 | 7,681 |
| Average earning assets | $19,536,000 | 7,668 |
| Average equity | $1,688,000 | 7,805 |
| Average total loans | $10,128,000 | 7,646 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7842% | 6,979 |
| Cost of funding earning assets | 1.0686% | 7,059 |
| Net interest margin | 3.7156% | 4,064 |
| Noninterest income to average assets | 0.3757% | 5,410 |
| Noninterest expense to average assets | 2.9907% | 4,182 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.4879% | 3,781 |
| Return on assets (ROA) | 0.4879% | 3,879 |
| Pretax return on assets | 0.7269% | 3,484 |
| Return on Equity (ROE) | 6.1395% | 3,157 |
| Retained earnings to average equity (ytd only) | 6.1395% | 1,303 |
| Net charge-offs to loans | 0.0607% | 6,490 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | 24.8333% | 895 |
| Efficiency ratio | 80.4462% | 2,817 |
| Assets per employee ($millions) | 3.6498% | 4,650 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0540% | 6,114 |
| Loan loss allowance to noncurrent loans | 552.6316% | 606 |
| Noncurrent assets plus other real estate owned to assets | 0.0868% | 7,279 |
| Noncurrent loans to loans | 0.1907% | 6,947 |
| Net loans and leases to total assets | 45.0112% | 7,055 |
| Net loans and leases to deposits | 48.8841% | 7,319 |
| Net loans and leases to core deposits | 55.1225% | 7,437 |
| Total domestic deposits to total assets | 92.0773% | 252 |
| Equity capital to assets | 7.6077% | 6,939 |
| Core capital (leverage) ratio | 7.9694% | 6,238 |
| Tier 1 risk-based capital ratio | 15.0144% | 2,932 |
| Total risk-based capital ratio | 15.9607% | 3,047 |
| Memoranda: | ||
| Average total assets | $20,496,600 | 7,762 |
| Average earning assets | $18,435,600 | 7,747 |
| Average equity | $1,628,800 | 7,902 |
| Average total loans | $9,882,000 | 7,712 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8446% | 7,026 |
| Cost of funding earning assets | 1.1455% | 7,053 |
| Net interest margin | 3.6991% | 4,072 |
| Noninterest income to average assets | 0.3971% | 5,308 |
| Noninterest expense to average assets | 2.8591% | 4,623 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.6949% | 3,228 |
| Return on assets (ROA) | 0.6949% | 3,281 |
| Pretax return on assets | 0.8935% | 3,250 |
| Return on Equity (ROE) | 8.6446% | 2,394 |
| Retained earnings to average equity (ytd only) | 8.6446% | 932 |
| Net charge-offs to loans | 0.0406% | 6,337 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 45.0000% | 691 |
| Efficiency ratio | 76.1905% | 3,477 |
| Assets per employee ($millions) | 2.8659% | 6,496 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0919% | 5,780 |
| Loan loss allowance to noncurrent loans | 5,400.0000% | 73 |
| Noncurrent assets plus other real estate owned to assets | 0.0100% | 7,572 |
| Noncurrent loans to loans | 0.0202% | 7,476 |
| Net loans and leases to total assets | 48.7663% | 6,885 |
| Net loans and leases to deposits | 53.4182% | 7,241 |
| Net loans and leases to core deposits | 61.0179% | 7,363 |
| Total domestic deposits to total assets | 91.2916% | 305 |
| Equity capital to assets | 8.3296% | 6,468 |
| Core capital (leverage) ratio | 8.2875% | 5,853 |
| Tier 1 risk-based capital ratio | 15.8089% | 2,701 |
| Total risk-based capital ratio | 16.8307% | 2,711 |
| Memoranda: | ||
| Average total assets | $20,146,000 | 7,844 |
| Average earning assets | $18,274,250 | 7,834 |
| Average equity | $1,619,500 | 7,988 |
| Average total loans | $9,862,000 | 7,789 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8336% | 7,161 |
| Cost of funding earning assets | 1.2166% | 7,056 |
| Net interest margin | 3.6170% | 4,292 |
| Noninterest income to average assets | 0.3965% | 5,324 |
| Noninterest expense to average assets | 2.7659% | 5,109 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.7039% | 3,234 |
| Return on assets (ROA) | 0.7039% | 3,339 |
| Pretax return on assets | 0.9021% | 3,328 |
| Return on Equity (ROE) | 8.8621% | 2,408 |
| Retained earnings to average equity (ytd only) | 8.8621% | 972 |
| Net charge-offs to loans | 0.0406% | 5,899 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 45.5000% | 736 |
| Efficiency ratio | 75.4054% | 3,808 |
| Assets per employee ($millions) | 2.8487% | 6,517 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1039% | 5,574 |
| Loan loss allowance to noncurrent loans | 3,633.3333% | 129 |
| Noncurrent assets plus other real estate owned to assets | 0.0150% | 7,596 |
| Noncurrent loans to loans | 0.0304% | 7,464 |
| Net loans and leases to total assets | 48.9695% | 6,961 |
| Net loans and leases to deposits | 53.5597% | 7,304 |
| Net loans and leases to core deposits | 61.1689% | 7,408 |
| Total domestic deposits to total assets | 91.4297% | 334 |
| Equity capital to assets | 8.2092% | 6,473 |
| Core capital (leverage) ratio | 8.1410% | 6,095 |
| Tier 1 risk-based capital ratio | 15.5831% | 2,783 |
| Total risk-based capital ratio | 16.6207% | 2,798 |
| Memoranda: | ||
| Average total assets | $20,174,330 | 7,919 |
| Average earning assets | $18,247,330 | 7,910 |
| Average equity | $1,602,330 | 8,075 |
| Average total loans | $9,852,330 | 7,870 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7843% | 7,391 |
| Cost of funding earning assets | 1.2889% | 7,048 |
| Net interest margin | 3.4954% | 4,757 |
| Noninterest income to average assets | 0.3746% | 5,433 |
| Noninterest expense to average assets | 2.5824% | 5,527 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.7491% | 3,355 |
| Return on assets (ROA) | 0.7491% | 3,530 |
| Pretax return on assets | 0.9462% | 3,546 |
| Return on Equity (ROE) | 9.5899% | 2,499 |
| Retained earnings to average equity (ytd only) | 9.5899% | 1,315 |
| Net charge-offs to loans | 0.0813% | 4,352 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 24.0000% | 1,254 |
| Efficiency ratio | 73.1844% | 3,977 |
| Assets per employee ($millions) | 2.8957% | 6,420 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1077% | 5,410 |
| Loan loss allowance to noncurrent loans | 473.9130% | 742 |
| Noncurrent assets plus other real estate owned to assets | 0.1135% | 7,251 |
| Noncurrent loans to loans | 0.2337% | 6,864 |
| Net loans and leases to total assets | 48.0069% | 7,021 |
| Net loans and leases to deposits | 52.3989% | 7,372 |
| Net loans and leases to core deposits | 59.2703% | 7,484 |
| Total domestic deposits to total assets | 91.6182% | 248 |
| Equity capital to assets | 7.9132% | 6,945 |
| Core capital (leverage) ratio | 7.9414% | 6,557 |
| Tier 1 risk-based capital ratio | 15.5291% | 2,840 |
| Total risk-based capital ratio | 16.5844% | 2,859 |
| Memoranda: | ||
| Average total assets | $20,291,000 | 7,966 |
| Average earning assets | $18,310,000 | 7,952 |
| Average equity | $1,585,000 | 8,136 |
| Average total loans | $9,841,500 | 7,917 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9284% | 5,908 |
| Cost of funding earning assets | 1.9187% | 6,676 |
| Net interest margin | 4.0097% | 3,066 |
| Noninterest income to average assets | 0.3921% | 5,540 |
| Noninterest expense to average assets | 3.2483% | 3,155 |
| Loan and lease loss provision to assets | 0.0265% | 7,069 |
| Net operating income to assets | 0.4822% | 4,817 |
| Return on assets (ROA) | 0.4822% | 4,636 |
| Pretax return on assets | 0.6942% | 4,418 |
| Return on Equity (ROE) | 5.8801% | 3,993 |
| Retained earnings to average equity (ytd only) | 5.8801% | 1,580 |
| Net charge-offs to loans | 0.0297% | 6,408 |
| Credit loss provision to net charge-offs | 166.6667% | 3,080 |
| Earnings coverage of net charge-offs (x) | 45.3333% | 821 |
| Efficiency ratio | 81.8425% | 2,320 |
| Assets per employee ($millions) | 2.9017% | 6,302 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1277% | 5,084 |
| Loan loss allowance to noncurrent loans | 3,700.0000% | 172 |
| Noncurrent assets plus other real estate owned to assets | 0.0492% | 7,384 |
| Noncurrent loans to loans | 0.0305% | 7,387 |
| Net loans and leases to total assets | 47.9126% | 7,193 |
| Net loans and leases to deposits | 52.1879% | 7,526 |
| Net loans and leases to core deposits | 58.9640% | 7,631 |
| Total domestic deposits to total assets | 91.8078% | 159 |
| Equity capital to assets | 7.7097% | 7,190 |
| Core capital (leverage) ratio | 8.0436% | 6,418 |
| Tier 1 risk-based capital ratio | 15.0115% | 3,043 |
| Total risk-based capital ratio | 16.0755% | 3,052 |
| Memoranda: | ||
| Average total assets | $18,871,400 | 8,054 |
| Average earning assets | $16,834,200 | 8,042 |
| Average equity | $1,547,600 | 8,208 |
| Average total loans | $10,104,200 | 7,934 |