Home > The Security State Bank > Performance and Condition Ratios
The Security State Bank, Performance and Condition Ratios
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6132% | 3,729 |
| Cost of funding earning assets | 1.1538% | 3,868 |
| Net interest margin | 3.4594% | 2,153 |
| Noninterest income to average assets | 0.3600% | 2,692 |
| Noninterest expense to average assets | 2.9861% | 1,168 |
| Loan and lease loss provision to assets | 0.2400% | 529 |
| Net operating income to assets | 0.3312% | 3,790 |
| Return on assets (ROA) | 0.3312% | 3,822 |
| Pretax return on assets | 0.3465% | 3,878 |
| Return on Equity (ROE) | 2.9600% | 3,866 |
| Retained earnings to average equity (ytd only) | 1.4207% | 3,561 |
| Net charge-offs to loans | -0.0104% | 4,039 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 83.6013% | 821 |
| Assets per employee ($millions) | 3.6289% | 4,194 |
| Cash dividends to net income (ytd only)* | 52.0231% | 1,534 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8630% | 164 |
| Loan loss allowance to noncurrent loans | 172.9299% | 2,349 |
| Noncurrent assets plus other real estate owned to assets | 0.9389% | 730 |
| Noncurrent loans to loans | 1.6556% | 546 |
| Net loans and leases to total assets | 36.2600% | 4,109 |
| Net loans and leases to deposits | 41.2378% | 4,128 |
| Net loans and leases to core deposits | 44.6748% | 4,118 |
| Total domestic deposits to total assets | 87.9400% | 1,536 |
| Equity capital to assets | 11.5778% | 1,329 |
| Core capital (leverage) ratio | 15.4548% | 543 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $52,241,600 | 4,213 |
| Average earning assets | $48,534,800 | 4,189 |
| Average equity | $5,842,200 | 4,169 |
| Average total loans | $19,235,600 | 4,221 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6043% | 3,695 |
| Cost of funding earning assets | 1.1559% | 3,875 |
| Net interest margin | 3.4485% | 2,137 |
| Noninterest income to average assets | 0.3500% | 2,719 |
| Noninterest expense to average assets | 2.9048% | 1,242 |
| Loan and lease loss provision to assets | 0.3200% | 325 |
| Net operating income to assets | 0.3168% | 3,837 |
| Return on assets (ROA) | 0.3168% | 3,871 |
| Pretax return on assets | 0.3397% | 3,900 |
| Return on Equity (ROE) | 2.8600% | 3,916 |
| Retained earnings to average equity (ytd only) | 2.8576% | 3,223 |
| Net charge-offs to loans | -0.0276% | 4,224 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 81.5658% | 977 |
| Assets per employee ($millions) | 3.6234% | 4,218 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7518% | 178 |
| Loan loss allowance to noncurrent loans | 170.0000% | 2,431 |
| Noncurrent assets plus other real estate owned to assets | 0.9522% | 709 |
| Noncurrent loans to loans | 1.6187% | 559 |
| Net loans and leases to total assets | 37.9000% | 4,085 |
| Net loans and leases to deposits | 43.7578% | 4,110 |
| Net loans and leases to core deposits | 45.2289% | 4,146 |
| Total domestic deposits to total assets | 86.6100% | 1,725 |
| Equity capital to assets | 12.9182% | 984 |
| Core capital (leverage) ratio | 15.6778% | 539 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $52,601,000 | 4,231 |
| Average earning assets | $48,909,250 | 4,213 |
| Average equity | $5,832,250 | 4,192 |
| Average total loans | $19,303,000 | 4,244 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4879% | 3,798 |
| Cost of funding earning assets | 1.1300% | 3,886 |
| Net interest margin | 3.3578% | 2,284 |
| Noninterest income to average assets | 0.3700% | 2,567 |
| Noninterest expense to average assets | 2.8723% | 1,317 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 0.6045% | 3,170 |
| Return on assets (ROA) | 0.6045% | 3,204 |
| Pretax return on assets | 0.6195% | 3,408 |
| Return on Equity (ROE) | 5.7200% | 3,354 |
| Retained earnings to average equity (ytd only) | 5.7156% | 2,119 |
| Net charge-offs to loans | -0.0209% | 4,152 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 82.2581% | 969 |
| Assets per employee ($millions) | 3.7510% | 4,210 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1348% | 322 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,808 |
| Noncurrent assets plus other real estate owned to assets | 0.3104% | 1,919 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 36.4900% | 4,139 |
| Net loans and leases to deposits | 41.2201% | 4,175 |
| Net loans and leases to core deposits | 43.4927% | 4,176 |
| Total domestic deposits to total assets | 88.5200% | 1,155 |
| Equity capital to assets | 11.0028% | 1,574 |
| Core capital (leverage) ratio | 15.3694% | 575 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $53,267,333 | 4,246 |
| Average earning assets | $49,556,000 | 4,222 |
| Average equity | $5,633,667 | 4,210 |
| Average total loans | $19,147,667 | 4,268 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3797% | 3,862 |
| Cost of funding earning assets | 1.0829% | 3,902 |
| Net interest margin | 3.2968% | 2,352 |
| Noninterest income to average assets | 0.3700% | 2,484 |
| Noninterest expense to average assets | 2.9528% | 1,149 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 0.4549% | 3,496 |
| Return on assets (ROA) | 0.4549% | 3,522 |
| Pretax return on assets | 0.4847% | 3,598 |
| Return on Equity (ROE) | 4.3900% | 3,594 |
| Retained earnings to average equity (ytd only) | 4.3873% | 2,595 |
| Net charge-offs to loans | -0.0634% | 4,376 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 85.9002% | 790 |
| Assets per employee ($millions) | 3.7851% | 4,211 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2767% | 254 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,825 |
| Noncurrent assets plus other real estate owned to assets | 0.3076% | 1,880 |
| Noncurrent loans to loans | 0.0000% | 3,844 |
| Net loans and leases to total assets | 33.9400% | 4,197 |
| Net loans and leases to deposits | 38.3173% | 4,214 |
| Net loans and leases to core deposits | 39.5136% | 4,285 |
| Total domestic deposits to total assets | 88.5700% | 1,233 |
| Equity capital to assets | 10.3940% | 1,780 |
| Core capital (leverage) ratio | 15.0470% | 606 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $53,644,000 | 4,268 |
| Average earning assets | $49,866,500 | 4,245 |
| Average equity | $5,561,500 | 4,242 |
| Average total loans | $18,931,500 | 4,300 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0644% | 3,863 |
| Cost of funding earning assets | 0.9225% | 3,472 |
| Net interest margin | 3.1419% | 2,998 |
| Noninterest income to average assets | 0.3800% | 2,615 |
| Noninterest expense to average assets | 2.9190% | 1,236 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.3602% | 3,942 |
| Return on assets (ROA) | 0.3602% | 3,936 |
| Pretax return on assets | 0.3847% | 3,985 |
| Return on Equity (ROE) | 3.5900% | 3,944 |
| Retained earnings to average equity (ytd only) | 0.7697% | 3,883 |
| Net charge-offs to loans | 0.0264% | 1,791 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 40.8000% | 1,436 |
| Efficiency ratio | 88.3562% | 473 |
| Assets per employee ($millions) | 3.8783% | 4,199 |
| Cash dividends to net income (ytd only)* | 78.5340% | 618 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1378% | 306 |
| Loan loss allowance to noncurrent loans | 165.7371% | 2,730 |
| Noncurrent assets plus other real estate owned to assets | 0.7625% | 678 |
| Noncurrent loans to loans | 1.2899% | 544 |
| Net loans and leases to total assets | 35.0700% | 4,183 |
| Net loans and leases to deposits | 40.2813% | 4,194 |
| Net loans and leases to core deposits | 41.5296% | 4,262 |
| Total domestic deposits to total assets | 87.0700% | 1,657 |
| Equity capital to assets | 10.3415% | 1,823 |
| Core capital (leverage) ratio | 15.0324% | 622 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $53,031,000 | 4,290 |
| Average earning assets | $49,428,600 | 4,260 |
| Average equity | $5,326,600 | 4,230 |
| Average total loans | $18,962,200 | 4,308 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9781% | 3,889 |
| Cost of funding earning assets | 0.8503% | 3,398 |
| Net interest margin | 3.1277% | 3,086 |
| Noninterest income to average assets | 0.3700% | 2,673 |
| Noninterest expense to average assets | 2.8075% | 1,421 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.4629% | 3,841 |
| Return on assets (ROA) | 0.4629% | 3,843 |
| Pretax return on assets | 0.4856% | 3,928 |
| Return on Equity (ROE) | 4.6400% | 3,874 |
| Retained earnings to average equity (ytd only) | 4.6435% | 3,062 |
| Net charge-offs to loans | 0.0354% | 1,384 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 38.4000% | 1,468 |
| Efficiency ratio | 85.2535% | 549 |
| Assets per employee ($millions) | 4.0979% | 4,120 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1757% | 307 |
| Loan loss allowance to noncurrent loans | 400.0000% | 1,677 |
| Noncurrent assets plus other real estate owned to assets | 0.5012% | 1,154 |
| Noncurrent loans to loans | 0.5439% | 1,464 |
| Net loans and leases to total assets | 35.1100% | 4,214 |
| Net loans and leases to deposits | 40.5894% | 4,192 |
| Net loans and leases to core deposits | 41.8724% | 4,218 |
| Total domestic deposits to total assets | 86.5000% | 2,038 |
| Equity capital to assets | 9.2317% | 2,271 |
| Core capital (leverage) ratio | 15.3478% | 575 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $52,714,750 | 4,307 |
| Average earning assets | $49,235,500 | 4,284 |
| Average equity | $5,254,500 | 4,249 |
| Average total loans | $18,838,000 | 4,325 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8570% | 3,936 |
| Cost of funding earning assets | 0.7316% | 3,403 |
| Net interest margin | 3.1255% | 3,163 |
| Noninterest income to average assets | 0.3700% | 2,628 |
| Noninterest expense to average assets | 2.8061% | 1,404 |
| Loan and lease loss provision to assets | 0.0300% | 2,254 |
| Net operating income to assets | 0.4455% | 3,922 |
| Return on assets (ROA) | 0.4455% | 3,929 |
| Pretax return on assets | 0.4645% | 4,023 |
| Return on Equity (ROE) | 4.3600% | 3,973 |
| Retained earnings to average equity (ytd only) | 4.3602% | 3,113 |
| Net charge-offs to loans | 0.0640% | 917 |
| Credit loss provision to net charge-offs | 133.3333% | 1,270 |
| Earnings coverage of net charge-offs (x) | 21.6667% | 1,715 |
| Efficiency ratio | 85.0058% | 545 |
| Assets per employee ($millions) | 4.0285% | 4,168 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1445% | 337 |
| Loan loss allowance to noncurrent loans | 257.3171% | 2,320 |
| Noncurrent assets plus other real estate owned to assets | 0.6244% | 856 |
| Noncurrent loans to loans | 0.8334% | 919 |
| Net loans and leases to total assets | 36.7700% | 4,153 |
| Net loans and leases to deposits | 43.8394% | 4,107 |
| Net loans and leases to core deposits | 44.2545% | 4,165 |
| Total domestic deposits to total assets | 83.8700% | 2,853 |
| Equity capital to assets | 10.2137% | 1,737 |
| Core capital (leverage) ratio | 15.4396% | 535 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $52,528,667 | 4,330 |
| Average earning assets | $49,208,667 | 4,303 |
| Average equity | $5,366,667 | 4,262 |
| Average total loans | $18,744,000 | 4,347 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7067% | 4,010 |
| Cost of funding earning assets | 0.5249% | 3,614 |
| Net interest margin | 3.1817% | 3,155 |
| Noninterest income to average assets | 0.3800% | 2,520 |
| Noninterest expense to average assets | 2.9501% | 1,147 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.3650% | 4,145 |
| Return on assets (ROA) | 0.3650% | 4,097 |
| Pretax return on assets | 0.4258% | 4,094 |
| Return on Equity (ROE) | 3.5700% | 4,107 |
| Retained earnings to average equity (ytd only) | 3.5718% | 3,378 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 87.3874% | 445 |
| Assets per employee ($millions) | 3.9815% | 4,258 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3682% | 255 |
| Loan loss allowance to noncurrent loans | 256.0976% | 2,399 |
| Noncurrent assets plus other real estate owned to assets | 0.6318% | 794 |
| Noncurrent loans to loans | 0.9247% | 811 |
| Net loans and leases to total assets | 33.4500% | 4,281 |
| Net loans and leases to deposits | 37.4889% | 4,285 |
| Net loans and leases to core deposits | 37.8255% | 4,320 |
| Total domestic deposits to total assets | 89.2300% | 1,454 |
| Equity capital to assets | 10.4830% | 1,568 |
| Core capital (leverage) ratio | 15.2561% | 548 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $52,607,500 | 4,389 |
| Average earning assets | $49,532,500 | 4,356 |
| Average equity | $5,375,500 | 4,319 |
| Average total loans | $18,277,000 | 4,415 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9544% | 4,185 |
| Cost of funding earning assets | 0.1737% | 3,971 |
| Net interest margin | 2.7807% | 3,926 |
| Noninterest income to average assets | 0.4600% | 2,330 |
| Noninterest expense to average assets | 2.4551% | 2,256 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.6006% | 3,881 |
| Return on assets (ROA) | 0.6006% | 3,837 |
| Pretax return on assets | 0.6217% | 3,995 |
| Return on Equity (ROE) | 5.6900% | 3,885 |
| Retained earnings to average equity (ytd only) | 3.1916% | 3,668 |
| Net charge-offs to loans | 0.0738% | 908 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 27.2308% | 1,737 |
| Efficiency ratio | 79.7945% | 731 |
| Assets per employee ($millions) | 4.1119% | 4,242 |
| Cash dividends to net income (ytd only)* | 43.8596% | 1,700 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2371% | 294 |
| Loan loss allowance to noncurrent loans | 256.7073% | 2,375 |
| Noncurrent assets plus other real estate owned to assets | 0.6117% | 813 |
| Noncurrent loans to loans | 0.8715% | 855 |
| Net loans and leases to total assets | 34.4200% | 4,269 |
| Net loans and leases to deposits | 38.3324% | 4,285 |
| Net loans and leases to core deposits | 38.6634% | 4,314 |
| Total domestic deposits to total assets | 89.7900% | 1,453 |
| Equity capital to assets | 9.9616% | 1,724 |
| Core capital (leverage) ratio | 14.5339% | 630 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $56,942,800 | 4,369 |
| Average earning assets | $53,547,600 | 4,336 |
| Average equity | $6,015,800 | 4,328 |
| Average total loans | $17,610,600 | 4,443 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7560% | 4,238 |
| Cost of funding earning assets | 0.1399% | 3,938 |
| Net interest margin | 2.6161% | 4,073 |
| Noninterest income to average assets | 0.5100% | 2,099 |
| Noninterest expense to average assets | 2.3892% | 2,374 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.5512% | 3,969 |
| Return on assets (ROA) | 0.5512% | 3,907 |
| Pretax return on assets | 0.5765% | 4,029 |
| Return on Equity (ROE) | 5.1500% | 3,957 |
| Retained earnings to average equity (ytd only) | 5.1492% | 3,047 |
| Net charge-offs to loans | -0.2311% | 4,661 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 80.5599% | 739 |
| Assets per employee ($millions) | 3.9468% | 4,342 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5828% | 216 |
| Loan loss allowance to noncurrent loans | 172.2222% | 2,872 |
| Noncurrent assets plus other real estate owned to assets | 0.4886% | 1,116 |
| Noncurrent loans to loans | 1.4997% | 472 |
| Net loans and leases to total assets | 31.7400% | 4,383 |
| Net loans and leases to deposits | 35.0535% | 4,394 |
| Net loans and leases to core deposits | 35.3431% | 4,412 |
| Total domestic deposits to total assets | 90.5500% | 1,421 |
| Equity capital to assets | 9.1467% | 2,120 |
| Core capital (leverage) ratio | 14.0264% | 679 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $57,814,750 | 4,395 |
| Average earning assets | $54,329,250 | 4,366 |
| Average equity | $6,188,500 | 4,353 |
| Average total loans | $17,308,500 | 4,482 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5469% | 4,334 |
| Cost of funding earning assets | 0.1415% | 3,689 |
| Net interest margin | 2.4054% | 4,223 |
| Noninterest income to average assets | 0.5420% | 1,984 |
| Noninterest expense to average assets | 2.3454% | 2,410 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.4398% | 4,027 |
| Return on assets (ROA) | 0.4398% | 3,979 |
| Pretax return on assets | 0.4568% | 4,071 |
| Return on Equity (ROE) | 3.9289% | 4,047 |
| Retained earnings to average equity (ytd only) | 3.9289% | 3,109 |
| Net charge-offs to loans | -0.1991% | 4,589 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.6983% | 700 |
| Assets per employee ($millions) | 4.0492% | 4,343 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5801% | 229 |
| Loan loss allowance to noncurrent loans | 164.8352% | 2,903 |
| Noncurrent assets plus other real estate owned to assets | 0.4816% | 1,181 |
| Noncurrent loans to loans | 1.5653% | 470 |
| Net loans and leases to total assets | 29.9723% | 4,462 |
| Net loans and leases to deposits | 33.1590% | 4,463 |
| Net loans and leases to core deposits | 33.6030% | 4,488 |
| Total domestic deposits to total assets | 90.3897% | 1,517 |
| Equity capital to assets | 9.4110% | 2,089 |
| Core capital (leverage) ratio | 13.5589% | 700 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $58,668,000 | 4,428 |
| Average earning assets | $55,125,333 | 4,412 |
| Average equity | $6,566,667 | 4,358 |
| Average total loans | $17,076,667 | 4,543 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3207% | 4,443 |
| Cost of funding earning assets | 0.1428% | 3,592 |
| Net interest margin | 2.1779% | 4,373 |
| Noninterest income to average assets | 0.6370% | 1,539 |
| Noninterest expense to average assets | 2.3937% | 2,191 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.2749% | 4,191 |
| Return on assets (ROA) | 0.2749% | 4,159 |
| Pretax return on assets | 0.2883% | 4,200 |
| Return on Equity (ROE) | 2.2833% | 4,219 |
| Retained earnings to average equity (ytd only) | 2.2833% | 3,469 |
| Net charge-offs to loans | -0.0237% | 3,990 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.2500% | 583 |
| Assets per employee ($millions) | 3.9576% | 4,420 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7227% | 215 |
| Loan loss allowance to noncurrent loans | 154.2553% | 2,933 |
| Noncurrent assets plus other real estate owned to assets | 0.4750% | 1,281 |
| Noncurrent loans to loans | 1.7650% | 441 |
| Net loans and leases to total assets | 26.1809% | 4,556 |
| Net loans and leases to deposits | 29.5273% | 4,562 |
| Net loans and leases to core deposits | 29.7586% | 4,586 |
| Total domestic deposits to total assets | 88.6665% | 2,222 |
| Equity capital to assets | 11.0943% | 1,290 |
| Core capital (leverage) ratio | 12.8613% | 806 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $59,657,500 | 4,444 |
| Average earning assets | $56,017,000 | 4,423 |
| Average equity | $7,182,500 | 4,346 |
| Average total loans | $16,894,500 | 4,567 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1357% | 3,613 |
| Cost of funding earning assets | 0.1725% | 3,746 |
| Net interest margin | 2.9632% | 3,287 |
| Noninterest income to average assets | 0.5018% | 2,560 |
| Noninterest expense to average assets | 2.6738% | 1,704 |
| Loan and lease loss provision to assets | -0.3865% | 4,803 |
| Net operating income to assets | 0.9628% | 2,825 |
| Return on assets (ROA) | 0.9628% | 2,892 |
| Pretax return on assets | 0.9858% | 3,299 |
| Return on Equity (ROE) | 6.8459% | 3,556 |
| Retained earnings to average equity (ytd only) | 4.9547% | 2,800 |
| Net charge-offs to loans | -0.4493% | 4,777 |
| Credit loss provision to net charge-offs | 244.9438% | 1,183 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.6901% | 705 |
| Assets per employee ($millions) | 3.9967% | 4,422 |
| Cash dividends to net income (ytd only)* | 27.6243% | 2,677 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4366% | 305 |
| Loan loss allowance to noncurrent loans | 146.1279% | 2,997 |
| Noncurrent assets plus other real estate owned to assets | 0.7673% | 794 |
| Noncurrent loans to loans | 1.6674% | 512 |
| Net loans and leases to total assets | 28.9870% | 4,540 |
| Net loans and leases to deposits | 33.3794% | 4,543 |
| Net loans and leases to core deposits | 33.6437% | 4,564 |
| Total domestic deposits to total assets | 86.8409% | 2,572 |
| Equity capital to assets | 12.9756% | 906 |
| Core capital (leverage) ratio | 13.0581% | 782 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $56,399,000 | 4,497 |
| Average earning assets | $52,746,600 | 4,478 |
| Average equity | $7,931,800 | 4,334 |
| Average total loans | $19,809,400 | 4,569 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3943% | 3,119 |
| Cost of funding earning assets | 0.1769% | 3,849 |
| Net interest margin | 3.2174% | 2,676 |
| Noninterest income to average assets | 0.5548% | 2,392 |
| Noninterest expense to average assets | 2.6973% | 1,596 |
| Loan and lease loss provision to assets | -0.5242% | 4,885 |
| Net operating income to assets | 1.3907% | 1,574 |
| Return on assets (ROA) | 1.3907% | 1,633 |
| Pretax return on assets | 1.3955% | 2,355 |
| Return on Equity (ROE) | 9.6861% | 2,852 |
| Retained earnings to average equity (ytd only) | 9.6861% | 1,415 |
| Net charge-offs to loans | -0.5646% | 4,850 |
| Credit loss provision to net charge-offs | 253.4884% | 1,087 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5720% | 1,069 |
| Assets per employee ($millions) | 3.8116% | 4,539 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2418% | 427 |
| Loan loss allowance to noncurrent loans | 143.6667% | 2,966 |
| Noncurrent assets plus other real estate owned to assets | 0.8098% | 880 |
| Noncurrent loans to loans | 1.5604% | 666 |
| Net loans and leases to total assets | 32.8733% | 4,511 |
| Net loans and leases to deposits | 38.4773% | 4,502 |
| Net loans and leases to core deposits | 38.8006% | 4,550 |
| Total domestic deposits to total assets | 85.4357% | 2,970 |
| Equity capital to assets | 14.3002% | 673 |
| Core capital (leverage) ratio | 13.9777% | 645 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $55,511,000 | 4,563 |
| Average earning assets | $52,007,750 | 4,548 |
| Average equity | $7,970,000 | 4,391 |
| Average total loans | $20,308,750 | 4,630 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8831% | 419 |
| Cost of funding earning assets | 0.1786% | 3,965 |
| Net interest margin | 4.7046% | 261 |
| Noninterest income to average assets | 0.3820% | 3,205 |
| Noninterest expense to average assets | 2.7832% | 1,391 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 2.0010% | 485 |
| Return on assets (ROA) | 2.0119% | 501 |
| Pretax return on assets | 2.0191% | 808 |
| Return on Equity (ROE) | 13.9670% | 1,421 |
| Retained earnings to average equity (ytd only) | 13.9670% | 548 |
| Net charge-offs to loans | -0.7934% | 4,891 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0866% | 3,274 |
| Assets per employee ($millions) | 3.7031% | 4,600 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1767% | 445 |
| Loan loss allowance to noncurrent loans | 480.8989% | 1,319 |
| Noncurrent assets plus other real estate owned to assets | 0.4537% | 1,822 |
| Noncurrent loans to loans | 0.4526% | 2,317 |
| Net loans and leases to total assets | 34.6290% | 4,517 |
| Net loans and leases to deposits | 40.6076% | 4,506 |
| Net loans and leases to core deposits | 40.9595% | 4,556 |
| Total domestic deposits to total assets | 85.2771% | 2,993 |
| Equity capital to assets | 14.5123% | 614 |
| Core capital (leverage) ratio | 14.1139% | 608 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $54,973,667 | 4,597 |
| Average earning assets | $51,524,333 | 4,579 |
| Average equity | $7,918,667 | 4,421 |
| Average total loans | $20,669,667 | 4,654 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6649% | 157 |
| Cost of funding earning assets | 0.1787% | 4,091 |
| Net interest margin | 5.4862% | 106 |
| Noninterest income to average assets | 0.3291% | 3,454 |
| Noninterest expense to average assets | 2.6331% | 1,788 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 2.8526% | 173 |
| Return on assets (ROA) | 2.8599% | 195 |
| Pretax return on assets | 2.8672% | 277 |
| Return on Equity (ROE) | 19.9299% | 535 |
| Retained earnings to average equity (ytd only) | 19.9299% | 274 |
| Net charge-offs to loans | -0.2267% | 4,805 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.9361% | 4,342 |
| Assets per employee ($millions) | 3.4333% | 4,719 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7098% | 1,024 |
| Loan loss allowance to noncurrent loans | 135.7414% | 2,926 |
| Noncurrent assets plus other real estate owned to assets | 0.7755% | 1,170 |
| Noncurrent loans to loans | 1.2596% | 1,028 |
| Net loans and leases to total assets | 37.3601% | 4,438 |
| Net loans and leases to deposits | 43.7852% | 4,428 |
| Net loans and leases to core deposits | 44.1668% | 4,492 |
| Total domestic deposits to total assets | 85.3258% | 2,987 |
| Equity capital to assets | 14.4303% | 588 |
| Core capital (leverage) ratio | 14.3541% | 594 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $54,687,500 | 4,621 |
| Average earning assets | $51,474,500 | 4,597 |
| Average equity | $7,847,500 | 4,446 |
| Average total loans | $21,173,000 | 4,671 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4354% | 4,150 |
| Cost of funding earning assets | 0.2286% | 4,474 |
| Net interest margin | 3.2068% | 3,340 |
| Noninterest income to average assets | 0.4402% | 2,913 |
| Noninterest expense to average assets | 3.0393% | 1,347 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.4059% | 4,231 |
| Return on assets (ROA) | 0.4114% | 4,302 |
| Pretax return on assets | 0.4268% | 4,378 |
| Return on Equity (ROE) | 2.8169% | 4,422 |
| Retained earnings to average equity (ytd only) | 0.4475% | 4,382 |
| Net charge-offs to loans | 0.2501% | 694 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | 4.0556% | 3,034 |
| Efficiency ratio | 87.8333% | 454 |
| Assets per employee ($millions) | 3.6295% | 4,592 |
| Cash dividends to net income (ytd only)* | 84.1121% | 537 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6228% | 218 |
| Loan loss allowance to noncurrent loans | 213.2576% | 2,241 |
| Noncurrent assets plus other real estate owned to assets | 0.7843% | 1,303 |
| Noncurrent loans to loans | 1.2299% | 1,131 |
| Net loans and leases to total assets | 38.3950% | 4,504 |
| Net loans and leases to deposits | 44.9653% | 4,497 |
| Net loans and leases to core deposits | 45.3604% | 4,559 |
| Total domestic deposits to total assets | 85.3881% | 2,619 |
| Equity capital to assets | 14.2684% | 738 |
| Core capital (leverage) ratio | 13.2849% | 829 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $52,018,000 | 4,627 |
| Average earning assets | $48,990,400 | 4,603 |
| Average equity | $7,597,000 | 4,468 |
| Average total loans | $21,593,400 | 4,681 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5261% | 4,157 |
| Cost of funding earning assets | 0.2422% | 4,533 |
| Net interest margin | 3.2839% | 3,237 |
| Noninterest income to average assets | 0.3709% | 3,235 |
| Noninterest expense to average assets | 2.9694% | 1,509 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.4798% | 4,086 |
| Return on assets (ROA) | 0.4798% | 4,163 |
| Pretax return on assets | 0.4953% | 4,289 |
| Return on Equity (ROE) | 3.2652% | 4,340 |
| Retained earnings to average equity (ytd only) | 2.2062% | 3,858 |
| Net charge-offs to loans | 0.1418% | 1,030 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 8.3043% | 2,508 |
| Efficiency ratio | 85.7036% | 517 |
| Assets per employee ($millions) | 3.3549% | 4,721 |
| Cash dividends to net income (ytd only)* | 32.4324% | 2,260 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5652% | 211 |
| Loan loss allowance to noncurrent loans | 85.4467% | 3,476 |
| Noncurrent assets plus other real estate owned to assets | 1.3860% | 651 |
| Noncurrent loans to loans | 3.0021% | 306 |
| Net loans and leases to total assets | 41.9613% | 4,501 |
| Net loans and leases to deposits | 49.3774% | 4,508 |
| Net loans and leases to core deposits | 49.8186% | 4,583 |
| Total domestic deposits to total assets | 84.9808% | 2,444 |
| Equity capital to assets | 14.6876% | 698 |
| Core capital (leverage) ratio | 13.7804% | 758 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $51,412,000 | 4,653 |
| Average earning assets | $48,437,000 | 4,632 |
| Average equity | $7,554,250 | 4,491 |
| Average total loans | $21,625,250 | 4,714 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5574% | 4,338 |
| Cost of funding earning assets | 0.2514% | 4,618 |
| Net interest margin | 3.3060% | 3,368 |
| Noninterest income to average assets | 0.3711% | 3,250 |
| Noninterest expense to average assets | 3.0124% | 1,545 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.4580% | 4,117 |
| Return on assets (ROA) | 0.4580% | 4,181 |
| Pretax return on assets | 0.4738% | 4,293 |
| Return on Equity (ROE) | 3.1165% | 4,322 |
| Retained earnings to average equity (ytd only) | 1.5045% | 3,934 |
| Net charge-offs to loans | 0.2177% | 710 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 5.2174% | 2,531 |
| Efficiency ratio | 86.4100% | 522 |
| Assets per employee ($millions) | 3.2821% | 4,749 |
| Cash dividends to net income (ytd only)* | 51.7241% | 1,499 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6616% | 186 |
| Loan loss allowance to noncurrent loans | 83.1697% | 3,477 |
| Noncurrent assets plus other real estate owned to assets | 1.4529% | 658 |
| Noncurrent loans to loans | 3.2002% | 279 |
| Net loans and leases to total assets | 41.2976% | 4,555 |
| Net loans and leases to deposits | 48.6485% | 4,577 |
| Net loans and leases to core deposits | 49.0934% | 4,642 |
| Total domestic deposits to total assets | 84.8897% | 2,439 |
| Equity capital to assets | 14.8265% | 658 |
| Core capital (leverage) ratio | 14.3788% | 678 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $50,656,667 | 4,681 |
| Average earning assets | $47,731,000 | 4,657 |
| Average equity | $7,444,333 | 4,522 |
| Average total loans | $21,128,000 | 4,749 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5412% | 4,595 |
| Cost of funding earning assets | 0.3001% | 4,659 |
| Net interest margin | 3.2411% | 3,747 |
| Noninterest income to average assets | 0.4183% | 2,983 |
| Noninterest expense to average assets | 3.0647% | 1,739 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.3781% | 4,178 |
| Return on assets (ROA) | 0.3781% | 4,215 |
| Pretax return on assets | 0.3941% | 4,301 |
| Return on Equity (ROE) | 2.5847% | 4,317 |
| Retained earnings to average equity (ytd only) | -0.7149% | 4,104 |
| Net charge-offs to loans | 0.4671% | 312 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 2.0417% | 2,319 |
| Efficiency ratio | 88.6047% | 554 |
| Assets per employee ($millions) | 2.8595% | 4,848 |
| Cash dividends to net income (ytd only)* | 127.6596% | 567 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9324% | 160 |
| Loan loss allowance to noncurrent loans | 65.2701% | 3,824 |
| Noncurrent assets plus other real estate owned to assets | 1.9686% | 432 |
| Noncurrent loans to loans | 4.4928% | 150 |
| Net loans and leases to total assets | 40.3110% | 4,654 |
| Net loans and leases to deposits | 47.4847% | 4,678 |
| Net loans and leases to core deposits | 47.4847% | 4,744 |
| Total domestic deposits to total assets | 84.8926% | 2,448 |
| Equity capital to assets | 14.8441% | 790 |
| Core capital (leverage) ratio | 14.6065% | 767 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $49,728,000 | 4,715 |
| Average earning assets | $46,650,500 | 4,699 |
| Average equity | $7,273,500 | 4,579 |
| Average total loans | $20,552,000 | 4,795 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7009% | 4,677 |
| Cost of funding earning assets | 0.3771% | 4,518 |
| Net interest margin | 3.3238% | 3,934 |
| Noninterest income to average assets | 0.5223% | 2,611 |
| Noninterest expense to average assets | 3.1129% | 1,727 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.5185% | 4,366 |
| Return on assets (ROA) | 0.5185% | 4,414 |
| Pretax return on assets | 0.5392% | 4,508 |
| Return on Equity (ROE) | 3.9425% | 4,473 |
| Retained earnings to average equity (ytd only) | 3.5140% | 3,250 |
| Net charge-offs to loans | 0.0392% | 2,602 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 35.8750% | 1,403 |
| Efficiency ratio | 85.2366% | 588 |
| Assets per employee ($millions) | 2.9942% | 4,830 |
| Cash dividends to net income (ytd only)* | 10.8696% | 3,733 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9499% | 133 |
| Loan loss allowance to noncurrent loans | 74.0696% | 3,688 |
| Noncurrent assets plus other real estate owned to assets | 1.7347% | 528 |
| Noncurrent loans to loans | 3.9826% | 174 |
| Net loans and leases to total assets | 39.8794% | 4,736 |
| Net loans and leases to deposits | 46.7935% | 4,766 |
| Net loans and leases to core deposits | 46.7935% | 4,819 |
| Total domestic deposits to total assets | 85.2243% | 2,408 |
| Equity capital to assets | 14.5144% | 930 |
| Core capital (leverage) ratio | 14.0719% | 912 |
| Tier 1 risk-based capital ratio | 25.9329% | 685 |
| Total risk-based capital ratio | 27.1920% | 664 |
| Memoranda: | ||
| Average total assets | $53,229,400 | 4,693 |
| Average earning assets | $50,123,600 | 4,667 |
| Average equity | $7,000,600 | 4,639 |
| Average total loans | $20,425,200 | 4,856 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7050% | 4,779 |
| Cost of funding earning assets | 0.3994% | 4,506 |
| Net interest margin | 3.3056% | 4,081 |
| Noninterest income to average assets | 0.4286% | 3,157 |
| Noninterest expense to average assets | 2.9832% | 2,021 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.5624% | 4,384 |
| Return on assets (ROA) | 0.5624% | 4,433 |
| Pretax return on assets | 0.5624% | 4,605 |
| Return on Equity (ROE) | 4.3840% | 4,510 |
| Retained earnings to average equity (ytd only) | 3.8046% | 3,493 |
| Net charge-offs to loans | 0.0591% | 1,977 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 25.2217% | 1,771 |
| Efficiency ratio | 84.1370% | 609 |
| Assets per employee ($millions) | 3.3139% | 4,658 |
| Cash dividends to net income (ytd only)* | 13.2162% | 3,279 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9927% | 131 |
| Loan loss allowance to noncurrent loans | 80.7087% | 3,628 |
| Noncurrent assets plus other real estate owned to assets | 1.5314% | 709 |
| Noncurrent loans to loans | 3.7080% | 200 |
| Net loans and leases to total assets | 37.5976% | 4,877 |
| Net loans and leases to deposits | 43.8190% | 4,913 |
| Net loans and leases to core deposits | 43.8190% | 4,964 |
| Total domestic deposits to total assets | 85.8021% | 2,078 |
| Equity capital to assets | 13.8395% | 1,216 |
| Core capital (leverage) ratio | 14.0569% | 970 |
| Tier 1 risk-based capital ratio | 25.6444% | 729 |
| Total risk-based capital ratio | 26.9049% | 713 |
| Memoranda: | ||
| Average total assets | $53,811,500 | 4,753 |
| Average earning assets | $50,740,250 | 4,731 |
| Average equity | $6,903,750 | 4,710 |
| Average total loans | $20,302,500 | 4,930 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6789% | 4,855 |
| Cost of funding earning assets | 0.4271% | 4,406 |
| Net interest margin | 3.2519% | 4,236 |
| Noninterest income to average assets | 0.4216% | 3,123 |
| Noninterest expense to average assets | 3.0254% | 1,931 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.4660% | 4,603 |
| Return on assets (ROA) | 0.4660% | 4,636 |
| Pretax return on assets | 0.4660% | 4,746 |
| Return on Equity (ROE) | 3.7284% | 4,644 |
| Retained earnings to average equity (ytd only) | 2.8407% | 3,788 |
| Net charge-offs to loans | 0.0890% | 1,479 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 14.0000% | 2,066 |
| Efficiency ratio | 86.6525% | 511 |
| Assets per employee ($millions) | 3.3008% | 4,696 |
| Cash dividends to net income (ytd only)* | 23.8095% | 2,886 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0390% | 126 |
| Loan loss allowance to noncurrent loans | 72.9537% | 3,783 |
| Noncurrent assets plus other real estate owned to assets | 1.8916% | 515 |
| Noncurrent loans to loans | 4.1656% | 168 |
| Net loans and leases to total assets | 37.1537% | 4,941 |
| Net loans and leases to deposits | 44.4017% | 4,942 |
| Net loans and leases to core deposits | 44.4017% | 4,989 |
| Total domestic deposits to total assets | 83.6764% | 2,985 |
| Equity capital to assets | 13.5705% | 1,290 |
| Core capital (leverage) ratio | 13.5612% | 1,090 |
| Tier 1 risk-based capital ratio | 25.0777% | 749 |
| Total risk-based capital ratio | 26.3357% | 731 |
| Memoranda: | ||
| Average total assets | $54,074,670 | 4,787 |
| Average earning assets | $51,047,670 | 4,760 |
| Average equity | $6,759,000 | 4,752 |
| Average total loans | $20,220,000 | 4,974 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7372% | 4,800 |
| Cost of funding earning assets | 0.4720% | 4,193 |
| Net interest margin | 3.2652% | 4,242 |
| Noninterest income to average assets | 0.4095% | 3,121 |
| Noninterest expense to average assets | 2.8882% | 2,306 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.6069% | 4,220 |
| Return on assets (ROA) | 0.6069% | 4,260 |
| Pretax return on assets | 0.6069% | 4,501 |
| Return on Equity (ROE) | 5.0648% | 4,307 |
| Retained earnings to average equity (ytd only) | 3.2342% | 3,634 |
| Net charge-offs to loans | 1.4051% | 91 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 1.1690% | 2,615 |
| Efficiency ratio | 82.6360% | 818 |
| Assets per employee ($millions) | 3.3404% | 4,705 |
| Cash dividends to net income (ytd only)* | 36.1446% | 2,039 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7388% | 179 |
| Loan loss allowance to noncurrent loans | 58.5624% | 4,098 |
| Noncurrent assets plus other real estate owned to assets | 2.1742% | 412 |
| Noncurrent loans to loans | 4.6767% | 134 |
| Net loans and leases to total assets | 36.8110% | 4,991 |
| Net loans and leases to deposits | 43.8662% | 4,990 |
| Net loans and leases to core deposits | 43.8662% | 5,047 |
| Total domestic deposits to total assets | 83.9165% | 3,074 |
| Equity capital to assets | 12.5847% | 1,689 |
| Core capital (leverage) ratio | 12.9875% | 1,280 |
| Tier 1 risk-based capital ratio | 24.9956% | 760 |
| Total risk-based capital ratio | 26.2531% | 745 |
| Memoranda: | ||
| Average total assets | $54,705,500 | 4,826 |
| Average earning assets | $51,697,000 | 4,803 |
| Average equity | $6,555,000 | 4,808 |
| Average total loans | $20,211,500 | 5,036 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3153% | 5,072 |
| Cost of funding earning assets | 0.4551% | 3,648 |
| Net interest margin | 2.8602% | 4,964 |
| Noninterest income to average assets | 0.4218% | 3,301 |
| Noninterest expense to average assets | 2.9188% | 2,284 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.2176% | 5,088 |
| Return on assets (ROA) | 0.1265% | 5,158 |
| Pretax return on assets | 0.1265% | 5,163 |
| Return on Equity (ROE) | 1.1792% | 5,140 |
| Retained earnings to average equity (ytd only) | 1.1792% | 4,657 |
| Net charge-offs to loans | -0.0820% | 5,106 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.5229% | 269 |
| Assets per employee ($millions) | 3.4978% | 4,549 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0948% | 117 |
| Loan loss allowance to noncurrent loans | 63.9059% | 4,038 |
| Noncurrent assets plus other real estate owned to assets | 2.0263% | 468 |
| Noncurrent loans to loans | 4.8428% | 118 |
| Net loans and leases to total assets | 34.9683% | 5,099 |
| Net loans and leases to deposits | 43.2391% | 5,044 |
| Net loans and leases to core deposits | 43.2391% | 5,095 |
| Total domestic deposits to total assets | 80.8720% | 3,923 |
| Equity capital to assets | 11.4071% | 2,322 |
| Core capital (leverage) ratio | 12.1571% | 1,637 |
| Tier 1 risk-based capital ratio | 23.3367% | 880 |
| Total risk-based capital ratio | 24.5955% | 854 |
| Memoranda: | ||
| Average total assets | $59,270,800 | 4,774 |
| Average earning assets | $56,255,000 | 4,744 |
| Average equity | $6,360,400 | 4,844 |
| Average total loans | $18,290,400 | 5,113 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2474% | 5,167 |
| Cost of funding earning assets | 0.3852% | 3,969 |
| Net interest margin | 2.8622% | 5,023 |
| Noninterest income to average assets | 0.4060% | 3,444 |
| Noninterest expense to average assets | 2.7843% | 2,690 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.3417% | 5,041 |
| Return on assets (ROA) | 0.3439% | 5,039 |
| Pretax return on assets | 0.3439% | 5,096 |
| Return on Equity (ROE) | 3.2522% | 4,964 |
| Retained earnings to average equity (ytd only) | 3.2522% | 4,115 |
| Net charge-offs to loans | -0.1722% | 5,275 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.9283% | 368 |
| Assets per employee ($millions) | 3.6664% | 4,352 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2306% | 112 |
| Loan loss allowance to noncurrent loans | 164.8438% | 2,588 |
| Noncurrent assets plus other real estate owned to assets | 0.9222% | 1,600 |
| Noncurrent loans to loans | 1.9598% | 765 |
| Net loans and leases to total assets | 32.3225% | 5,237 |
| Net loans and leases to deposits | 40.9189% | 5,186 |
| Net loans and leases to core deposits | 40.9189% | 5,222 |
| Total domestic deposits to total assets | 78.9915% | 4,319 |
| Equity capital to assets | 10.5111% | 3,131 |
| Core capital (leverage) ratio | 12.0392% | 1,763 |
| Tier 1 risk-based capital ratio | 24.4875% | 800 |
| Total risk-based capital ratio | 25.7491% | 778 |
| Memoranda: | ||
| Average total assets | $60,097,250 | 4,815 |
| Average earning assets | $57,110,500 | 4,778 |
| Average equity | $6,354,500 | 4,897 |
| Average total loans | $17,814,250 | 5,187 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2761% | 5,163 |
| Cost of funding earning assets | 0.4269% | 3,522 |
| Net interest margin | 2.8492% | 5,075 |
| Noninterest income to average assets | 0.3696% | 3,689 |
| Noninterest expense to average assets | 2.7326% | 2,898 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.3465% | 5,050 |
| Return on assets (ROA) | 0.3531% | 5,042 |
| Pretax return on assets | 0.3531% | 5,104 |
| Return on Equity (ROE) | 3.3209% | 4,961 |
| Retained earnings to average equity (ytd only) | 3.3209% | 3,919 |
| Net charge-offs to loans | -0.1161% | 5,206 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.6388% | 428 |
| Assets per employee ($millions) | 3.7820% | 4,233 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3008% | 105 |
| Loan loss allowance to noncurrent loans | 156.1224% | 2,700 |
| Noncurrent assets plus other real estate owned to assets | 0.9073% | 1,656 |
| Noncurrent loans to loans | 2.1142% | 673 |
| Net loans and leases to total assets | 29.6288% | 5,333 |
| Net loans and leases to deposits | 33.1650% | 5,360 |
| Net loans and leases to core deposits | 33.1650% | 5,376 |
| Total domestic deposits to total assets | 89.3377% | 797 |
| Equity capital to assets | 10.3682% | 3,254 |
| Core capital (leverage) ratio | 11.5620% | 2,023 |
| Tier 1 risk-based capital ratio | 27.5072% | 583 |
| Total risk-based capital ratio | 28.7700% | 580 |
| Memoranda: | ||
| Average total assets | $60,602,330 | 4,861 |
| Average earning assets | $57,630,000 | 4,824 |
| Average equity | $6,444,000 | 4,936 |
| Average total loans | $17,229,670 | 5,263 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3276% | 5,104 |
| Cost of funding earning assets | 0.4090% | 3,518 |
| Net interest margin | 2.9185% | 5,000 |
| Noninterest income to average assets | 0.2968% | 4,176 |
| Noninterest expense to average assets | 2.7371% | 2,916 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.3364% | 5,038 |
| Return on assets (ROA) | 0.3364% | 5,042 |
| Pretax return on assets | 0.3364% | 5,113 |
| Return on Equity (ROE) | 3.1245% | 4,993 |
| Retained earnings to average equity (ytd only) | 3.1245% | 3,955 |
| Net charge-offs to loans | -0.2413% | 5,408 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.8412% | 492 |
| Assets per employee ($millions) | 3.9418% | 4,075 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6772% | 78 |
| Loan loss allowance to noncurrent loans | 353.1792% | 1,459 |
| Noncurrent assets plus other real estate owned to assets | 0.5217% | 2,785 |
| Noncurrent loans to loans | 1.0412% | 1,758 |
| Net loans and leases to total assets | 25.3770% | 5,444 |
| Net loans and leases to deposits | 28.3089% | 5,467 |
| Net loans and leases to core deposits | 28.3089% | 5,478 |
| Total domestic deposits to total assets | 89.6431% | 815 |
| Equity capital to assets | 10.0303% | 3,564 |
| Core capital (leverage) ratio | 11.3168% | 2,149 |
| Tier 1 risk-based capital ratio | 26.1772% | 669 |
| Total risk-based capital ratio | 27.4367% | 658 |
| Memoranda: | ||
| Average total assets | $60,647,500 | 4,913 |
| Average earning assets | $57,700,000 | 4,879 |
| Average equity | $6,529,000 | 4,970 |
| Average total loans | $16,574,000 | 5,336 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1908% | 5,197 |
| Cost of funding earning assets | 0.4098% | 3,160 |
| Net interest margin | 2.7810% | 5,194 |
| Noninterest income to average assets | 0.5581% | 2,663 |
| Noninterest expense to average assets | 3.1419% | 1,742 |
| Loan and lease loss provision to assets | -0.1748% | 5,562 |
| Net operating income to assets | 0.2051% | 5,098 |
| Return on assets (ROA) | 0.2051% | 5,116 |
| Pretax return on assets | 0.2152% | 5,298 |
| Return on Equity (ROE) | 1.7745% | 5,098 |
| Retained earnings to average equity (ytd only) | 1.3381% | 4,477 |
| Net charge-offs to loans | 0.9970% | 177 |
| Credit loss provision to net charge-offs | -63.4146% | 4,664 |
| Earnings coverage of net charge-offs (x) | 0.1463% | 4,011 |
| Efficiency ratio | 98.6265% | 194 |
| Assets per employee ($millions) | 3.2348% | 4,997 |
| Cash dividends to net income (ytd only)* | 24.5902% | 3,505 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6414% | 81 |
| Loan loss allowance to noncurrent loans | 147.5490% | 2,832 |
| Noncurrent assets plus other real estate owned to assets | 0.9978% | 1,547 |
| Noncurrent loans to loans | 2.4679% | 545 |
| Net loans and leases to total assets | 27.3589% | 5,483 |
| Net loans and leases to deposits | 31.0454% | 5,504 |
| Net loans and leases to core deposits | 31.0454% | 5,516 |
| Total domestic deposits to total assets | 88.1256% | 1,423 |
| Equity capital to assets | 11.5618% | 2,145 |
| Core capital (leverage) ratio | 11.8450% | 1,695 |
| Tier 1 risk-based capital ratio | 28.9887% | 498 |
| Total risk-based capital ratio | 30.2528% | 489 |
| Memoranda: | ||
| Average total assets | $59,485,600 | 4,975 |
| Average earning assets | $56,131,000 | 4,946 |
| Average equity | $6,875,200 | 4,959 |
| Average total loans | $16,448,600 | 5,409 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2037% | 5,225 |
| Cost of funding earning assets | 0.4235% | 2,947 |
| Net interest margin | 2.7801% | 5,252 |
| Noninterest income to average assets | 0.5485% | 2,737 |
| Noninterest expense to average assets | 3.0523% | 1,953 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.1159% | 5,431 |
| Return on assets (ROA) | 0.1159% | 5,441 |
| Pretax return on assets | 0.1159% | 5,450 |
| Return on Equity (ROE) | 1.0032% | 5,431 |
| Retained earnings to average equity (ytd only) | 1.0032% | 4,972 |
| Net charge-offs to loans | 1.4771% | 107 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 0.2857% | 3,677 |
| Efficiency ratio | 96.1999% | 246 |
| Assets per employee ($millions) | 3.2973% | 4,973 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2656% | 54 |
| Loan loss allowance to noncurrent loans | 164.5933% | 2,592 |
| Noncurrent assets plus other real estate owned to assets | 1.4237% | 1,090 |
| Noncurrent loans to loans | 2.5916% | 566 |
| Net loans and leases to total assets | 26.0164% | 5,568 |
| Net loans and leases to deposits | 29.6395% | 5,592 |
| Net loans and leases to core deposits | 29.6395% | 5,607 |
| Total domestic deposits to total assets | 87.7761% | 1,479 |
| Equity capital to assets | 11.8600% | 2,064 |
| Core capital (leverage) ratio | 11.5153% | 2,007 |
| Tier 1 risk-based capital ratio | 29.2831% | 503 |
| Total risk-based capital ratio | 30.5507% | 498 |
| Memoranda: | ||
| Average total assets | $59,800,500 | 5,024 |
| Average earning assets | $56,350,750 | 5,000 |
| Average equity | $6,911,000 | 5,010 |
| Average total loans | $16,427,750 | 5,469 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2208% | 5,208 |
| Cost of funding earning assets | 0.4264% | 2,830 |
| Net interest margin | 2.7944% | 5,253 |
| Noninterest income to average assets | 0.6339% | 2,297 |
| Noninterest expense to average assets | 3.1526% | 1,695 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.1268% | 5,463 |
| Return on assets (ROA) | 0.1268% | 5,466 |
| Pretax return on assets | 0.1268% | 5,485 |
| Return on Equity (ROE) | 1.1065% | 5,459 |
| Retained earnings to average equity (ytd only) | 1.1065% | 4,798 |
| Net charge-offs to loans | 2.3839% | 63 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 0.1929% | 3,394 |
| Efficiency ratio | 96.0326% | 261 |
| Assets per employee ($millions) | 3.3419% | 4,934 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1048% | 62 |
| Loan loss allowance to noncurrent loans | 158.5882% | 2,678 |
| Noncurrent assets plus other real estate owned to assets | 1.4164% | 1,115 |
| Noncurrent loans to loans | 2.5883% | 557 |
| Net loans and leases to total assets | 26.1761% | 5,608 |
| Net loans and leases to deposits | 29.7830% | 5,632 |
| Net loans and leases to core deposits | 29.7830% | 5,645 |
| Total domestic deposits to total assets | 87.8894% | 1,514 |
| Equity capital to assets | 11.7748% | 2,096 |
| Core capital (leverage) ratio | 11.6425% | 1,868 |
| Tier 1 risk-based capital ratio | 27.9799% | 551 |
| Total risk-based capital ratio | 29.2462% | 540 |
| Memoranda: | ||
| Average total assets | $59,950,330 | 5,056 |
| Average earning assets | $56,756,000 | 5,028 |
| Average equity | $6,868,330 | 5,042 |
| Average total loans | $16,527,330 | 5,515 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2455% | 5,183 |
| Cost of funding earning assets | 0.4083% | 2,916 |
| Net interest margin | 2.8372% | 5,186 |
| Noninterest income to average assets | 0.3810% | 3,799 |
| Noninterest expense to average assets | 3.4153% | 1,167 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | -0.3409% | 5,708 |
| Return on assets (ROA) | -0.3409% | 5,707 |
| Pretax return on assets | -0.3409% | 5,696 |
| Return on Equity (ROE) | -3.0173% | 5,708 |
| Retained earnings to average equity (ytd only) | -3.0173% | 5,266 |
| Net charge-offs to loans | 0.4825% | 382 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | -2.5500% | 2,892 |
| Efficiency ratio | 110.8696% | 118 |
| Assets per employee ($millions) | 3.3589% | 4,982 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1709% | 40 |
| Loan loss allowance to noncurrent loans | 68.7146% | 4,238 |
| Noncurrent assets plus other real estate owned to assets | 2.8928% | 357 |
| Noncurrent loans to loans | 7.5252% | 69 |
| Net loans and leases to total assets | 25.7823% | 5,672 |
| Net loans and leases to deposits | 29.1577% | 5,689 |
| Net loans and leases to core deposits | 29.1577% | 5,702 |
| Total domestic deposits to total assets | 88.4238% | 1,471 |
| Equity capital to assets | 11.2074% | 2,424 |
| Core capital (leverage) ratio | 11.3802% | 2,038 |
| Tier 1 risk-based capital ratio | 27.1885% | 615 |
| Total risk-based capital ratio | 28.4629% | 601 |
| Memoranda: | ||
| Average total assets | $59,848,500 | 5,115 |
| Average earning assets | $56,816,500 | 5,083 |
| Average equity | $6,761,000 | 5,112 |
| Average total loans | $16,581,000 | 5,571 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3154% | 5,134 |
| Cost of funding earning assets | 0.3688% | 3,327 |
| Net interest margin | 2.9466% | 5,055 |
| Noninterest income to average assets | 0.3719% | 4,089 |
| Noninterest expense to average assets | 2.8992% | 2,675 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.3159% | 5,177 |
| Return on assets (ROA) | 0.3159% | 5,251 |
| Pretax return on assets | 0.2863% | 5,379 |
| Return on Equity (ROE) | 2.6439% | 5,258 |
| Retained earnings to average equity (ytd only) | 1.8177% | 4,491 |
| Net charge-offs to loans | 0.5293% | 455 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 1.6571% | 3,958 |
| Efficiency ratio | 90.9091% | 507 |
| Assets per employee ($millions) | 3.2909% | 5,056 |
| Cash dividends to net income (ytd only)* | 31.2500% | 3,263 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2081% | 40 |
| Loan loss allowance to noncurrent loans | 54.0323% | 4,596 |
| Noncurrent assets plus other real estate owned to assets | 2.8361% | 379 |
| Noncurrent loans to loans | 9.6388% | 30 |
| Net loans and leases to total assets | 26.7620% | 5,712 |
| Net loans and leases to deposits | 30.3041% | 5,733 |
| Net loans and leases to core deposits | 30.3041% | 5,749 |
| Total domestic deposits to total assets | 88.3114% | 1,484 |
| Equity capital to assets | 11.3882% | 2,256 |
| Core capital (leverage) ratio | 11.6949% | 1,794 |
| Tier 1 risk-based capital ratio | 28.5579% | 540 |
| Total risk-based capital ratio | 29.8363% | 532 |
| Memoranda: | ||
| Average total assets | $60,775,000 | 5,120 |
| Average earning assets | $58,033,000 | 5,070 |
| Average equity | $7,262,000 | 5,049 |
| Average total loans | $19,836,000 | 5,524 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2008% | 5,357 |
| Cost of funding earning assets | 0.3696% | 3,334 |
| Net interest margin | 2.8312% | 5,301 |
| Noninterest income to average assets | 0.3597% | 4,205 |
| Noninterest expense to average assets | 2.7577% | 3,154 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.3532% | 5,157 |
| Return on assets (ROA) | 0.3532% | 5,236 |
| Pretax return on assets | 0.3074% | 5,452 |
| Return on Equity (ROE) | 2.9223% | 5,242 |
| Retained earnings to average equity (ytd only) | 2.9223% | 4,150 |
| Net charge-offs to loans | 0.8926% | 201 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 1.0217% | 3,737 |
| Efficiency ratio | 89.8293% | 567 |
| Assets per employee ($millions) | 3.5061% | 4,773 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3413% | 63 |
| Loan loss allowance to noncurrent loans | 42.6606% | 4,907 |
| Noncurrent assets plus other real estate owned to assets | 3.4058% | 296 |
| Noncurrent loans to loans | 10.1763% | 33 |
| Net loans and leases to total assets | 30.9426% | 5,696 |
| Net loans and leases to deposits | 35.4782% | 5,736 |
| Net loans and leases to core deposits | 35.4782% | 5,758 |
| Total domestic deposits to total assets | 87.2156% | 1,794 |
| Equity capital to assets | 12.4253% | 1,824 |
| Core capital (leverage) ratio | 11.3496% | 2,157 |
| Tier 1 risk-based capital ratio | 25.4157% | 767 |
| Total risk-based capital ratio | 26.6876% | 749 |
| Memoranda: | ||
| Average total assets | $61,159,500 | 5,163 |
| Average earning assets | $58,442,000 | 5,103 |
| Average equity | $7,391,000 | 5,077 |
| Average total loans | $20,614,000 | 5,557 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3259% | 5,235 |
| Cost of funding earning assets | 0.3801% | 3,251 |
| Net interest margin | 2.9458% | 5,176 |
| Noninterest income to average assets | 0.3664% | 4,134 |
| Noninterest expense to average assets | 2.5714% | 3,816 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.6777% | 3,910 |
| Return on assets (ROA) | 0.6777% | 4,050 |
| Pretax return on assets | 0.6096% | 4,858 |
| Return on Equity (ROE) | 5.6594% | 4,219 |
| Retained earnings to average equity (ytd only) | 5.6594% | 2,330 |
| Net charge-offs to loans | 1.3581% | 116 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 1.3147% | 3,427 |
| Efficiency ratio | 80.7339% | 1,410 |
| Assets per employee ($millions) | 3.4799% | 4,779 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1948% | 66 |
| Loan loss allowance to noncurrent loans | 49.3769% | 4,825 |
| Noncurrent assets plus other real estate owned to assets | 2.7986% | 450 |
| Noncurrent loans to loans | 8.4955% | 55 |
| Net loans and leases to total assets | 30.3362% | 5,774 |
| Net loans and leases to deposits | 34.6007% | 5,811 |
| Net loans and leases to core deposits | 35.2228% | 5,826 |
| Total domestic deposits to total assets | 87.6752% | 1,586 |
| Equity capital to assets | 12.0199% | 2,113 |
| Core capital (leverage) ratio | 11.0447% | 2,391 |
| Tier 1 risk-based capital ratio | 26.1028% | 717 |
| Total risk-based capital ratio | 27.3744% | 701 |
| Memoranda: | ||
| Average total assets | $61,678,000 | 5,207 |
| Average earning assets | $58,931,330 | 5,142 |
| Average equity | $7,386,000 | 5,126 |
| Average total loans | $21,058,670 | 5,594 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7176% | 4,259 |
| Cost of funding earning assets | 0.3895% | 3,194 |
| Net interest margin | 3.3280% | 4,114 |
| Noninterest income to average assets | 0.3595% | 4,154 |
| Noninterest expense to average assets | 1.9412% | 5,459 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.6014% | 698 |
| Return on assets (ROA) | 1.6014% | 742 |
| Pretax return on assets | 1.6014% | 1,290 |
| Return on Equity (ROE) | 13.3980% | 946 |
| Retained earnings to average equity (ytd only) | 13.3980% | 359 |
| Net charge-offs to loans | -0.2953% | 5,930 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.6125% | 5,322 |
| Assets per employee ($millions) | 3.4849% | 4,839 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8431% | 57 |
| Loan loss allowance to noncurrent loans | 51.0562% | 4,804 |
| Noncurrent assets plus other real estate owned to assets | 3.1740% | 383 |
| Noncurrent loans to loans | 9.4859% | 45 |
| Net loans and leases to total assets | 31.0404% | 5,805 |
| Net loans and leases to deposits | 35.4128% | 5,840 |
| Net loans and leases to core deposits | 36.0487% | 5,857 |
| Total domestic deposits to total assets | 87.6530% | 1,827 |
| Equity capital to assets | 11.9755% | 2,043 |
| Core capital (leverage) ratio | 11.4349% | 2,018 |
| Tier 1 risk-based capital ratio | 25.0302% | 806 |
| Total risk-based capital ratio | 26.3075% | 788 |
| Memoranda: | ||
| Average total assets | $61,198,000 | 5,263 |
| Average earning assets | $58,533,000 | 5,198 |
| Average equity | $7,314,500 | 5,174 |
| Average total loans | $21,671,000 | 5,625 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8559% | 3,857 |
| Cost of funding earning assets | 0.3541% | 3,655 |
| Net interest margin | 3.5019% | 3,514 |
| Noninterest income to average assets | 0.3658% | 4,290 |
| Noninterest expense to average assets | 3.3565% | 1,589 |
| Loan and lease loss provision to assets | 0.7412% | 133 |
| Net operating income to assets | -0.4332% | 6,028 |
| Return on assets (ROA) | -0.4300% | 6,035 |
| Pretax return on assets | -0.3963% | 6,016 |
| Return on Equity (ROE) | -3.6555% | 6,024 |
| Retained earnings to average equity (ytd only) | -3.6555% | 5,856 |
| Net charge-offs to loans | 2.1441% | 61 |
| Credit loss provision to net charge-offs | 78.5714% | 2,974 |
| Earnings coverage of net charge-offs (x) | 0.3622% | 4,235 |
| Efficiency ratio | 90.6725% | 652 |
| Assets per employee ($millions) | 3.5099% | 4,821 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2614% | 73 |
| Loan loss allowance to noncurrent loans | 50.5968% | 4,864 |
| Noncurrent assets plus other real estate owned to assets | 3.3133% | 372 |
| Noncurrent loans to loans | 8.4222% | 69 |
| Net loans and leases to total assets | 36.7115% | 5,679 |
| Net loans and leases to deposits | 41.8210% | 5,714 |
| Net loans and leases to core deposits | 42.6101% | 5,751 |
| Total domestic deposits to total assets | 87.7824% | 1,757 |
| Equity capital to assets | 11.9277% | 2,012 |
| Core capital (leverage) ratio | 11.1026% | 2,309 |
| Tier 1 risk-based capital ratio | 23.4875% | 956 |
| Total risk-based capital ratio | 24.7632% | 946 |
| Memoranda: | ||
| Average total assets | $62,327,400 | 5,267 |
| Average earning assets | $59,311,000 | 5,203 |
| Average equity | $7,331,400 | 5,184 |
| Average total loans | $27,424,000 | 5,461 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0569% | 3,112 |
| Cost of funding earning assets | 0.3518% | 3,739 |
| Net interest margin | 3.7051% | 2,749 |
| Noninterest income to average assets | 0.3619% | 4,345 |
| Noninterest expense to average assets | 3.3104% | 1,666 |
| Loan and lease loss provision to assets | 0.9779% | 66 |
| Net operating income to assets | -0.4381% | 6,127 |
| Return on assets (ROA) | -0.4339% | 6,131 |
| Pretax return on assets | -0.4000% | 6,116 |
| Return on Equity (ROE) | -3.7012% | 6,117 |
| Retained earnings to average equity (ytd only) | -3.7012% | 5,975 |
| Net charge-offs to loans | 0.4715% | 529 |
| Credit loss provision to net charge-offs | 457.4257% | 691 |
| Earnings coverage of net charge-offs (x) | 2.6832% | 3,621 |
| Efficiency ratio | 85.1226% | 1,074 |
| Assets per employee ($millions) | 3.3730% | 5,026 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.7402% | 42 |
| Loan loss allowance to noncurrent loans | 72.6866% | 4,346 |
| Noncurrent assets plus other real estate owned to assets | 3.3930% | 389 |
| Noncurrent loans to loans | 7.8972% | 74 |
| Net loans and leases to total assets | 39.5148% | 5,618 |
| Net loans and leases to deposits | 45.0865% | 5,683 |
| Net loans and leases to core deposits | 45.9237% | 5,733 |
| Total domestic deposits to total assets | 87.6421% | 1,729 |
| Equity capital to assets | 11.9725% | 2,126 |
| Core capital (leverage) ratio | 10.8466% | 2,647 |
| Tier 1 risk-based capital ratio | 22.7098% | 1,096 |
| Total risk-based capital ratio | 24.0048% | 1,070 |
| Memoranda: | ||
| Average total assets | $62,992,250 | 5,309 |
| Average earning assets | $59,880,500 | 5,255 |
| Average equity | $7,385,000 | 5,237 |
| Average total loans | $28,560,000 | 5,488 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1715% | 2,642 |
| Cost of funding earning assets | 0.3465% | 3,854 |
| Net interest margin | 3.8250% | 2,221 |
| Noninterest income to average assets | 0.3545% | 4,422 |
| Noninterest expense to average assets | 3.4164% | 1,449 |
| Loan and lease loss provision to assets | 0.8094% | 100 |
| Net operating income to assets | -0.2667% | 6,129 |
| Return on assets (ROA) | -0.2604% | 6,143 |
| Pretax return on assets | -0.2290% | 6,122 |
| Return on Equity (ROE) | -2.2361% | 6,136 |
| Retained earnings to average equity (ytd only) | -2.2361% | 5,856 |
| Net charge-offs to loans | 0.5068% | 488 |
| Credit loss provision to net charge-offs | 344.0000% | 840 |
| Earnings coverage of net charge-offs (x) | 2.4400% | 3,342 |
| Efficiency ratio | 85.5346% | 1,101 |
| Assets per employee ($millions) | 3.4544% | 4,882 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6575% | 70 |
| Loan loss allowance to noncurrent loans | 54.0894% | 4,887 |
| Noncurrent assets plus other real estate owned to assets | 3.8952% | 346 |
| Noncurrent loans to loans | 8.6107% | 69 |
| Net loans and leases to total assets | 42.2393% | 5,490 |
| Net loans and leases to deposits | 47.9778% | 5,601 |
| Net loans and leases to core deposits | 51.3551% | 5,562 |
| Total domestic deposits to total assets | 88.0394% | 1,637 |
| Equity capital to assets | 11.6358% | 2,304 |
| Core capital (leverage) ratio | 11.0308% | 2,391 |
| Tier 1 risk-based capital ratio | 20.8218% | 1,401 |
| Total risk-based capital ratio | 22.1049% | 1,363 |
| Memoranda: | ||
| Average total assets | $63,751,670 | 5,355 |
| Average earning assets | $60,602,000 | 5,292 |
| Average equity | $7,423,670 | 5,275 |
| Average total loans | $29,596,000 | 5,489 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5184% | 1,410 |
| Cost of funding earning assets | 0.3456% | 3,919 |
| Net interest margin | 4.1728% | 1,122 |
| Noninterest income to average assets | 0.3471% | 4,420 |
| Noninterest expense to average assets | 3.2539% | 1,834 |
| Loan and lease loss provision to assets | 1.2892% | 53 |
| Net operating income to assets | -0.2603% | 6,174 |
| Return on assets (ROA) | -0.2603% | 6,194 |
| Pretax return on assets | -0.2293% | 6,170 |
| Return on Equity (ROE) | -2.2346% | 6,180 |
| Retained earnings to average equity (ytd only) | -2.2346% | 5,709 |
| Net charge-offs to loans | 1.2018% | 179 |
| Credit loss provision to net charge-offs | 226.0870% | 969 |
| Earnings coverage of net charge-offs (x) | 1.8587% | 2,858 |
| Efficiency ratio | 75.2874% | 2,613 |
| Assets per employee ($millions) | 3.5886% | 4,743 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1905% | 110 |
| Loan loss allowance to noncurrent loans | 56.5318% | 4,825 |
| Noncurrent assets plus other real estate owned to assets | 3.4074% | 496 |
| Noncurrent loans to loans | 7.4126% | 114 |
| Net loans and leases to total assets | 43.0405% | 5,425 |
| Net loans and leases to deposits | 48.8904% | 5,520 |
| Net loans and leases to core deposits | 52.1946% | 5,479 |
| Total domestic deposits to total assets | 88.0347% | 1,800 |
| Equity capital to assets | 11.6139% | 2,364 |
| Core capital (leverage) ratio | 10.6816% | 2,765 |
| Tier 1 risk-based capital ratio | 19.2856% | 1,791 |
| Total risk-based capital ratio | 20.5468% | 1,747 |
| Memoranda: | ||
| Average total assets | $64,538,000 | 5,380 |
| Average earning assets | $61,349,500 | 5,317 |
| Average equity | $7,518,000 | 5,299 |
| Average total loans | $30,620,500 | 5,481 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5128% | 1,818 |
| Cost of funding earning assets | 0.3898% | 3,798 |
| Net interest margin | 4.1230% | 1,505 |
| Noninterest income to average assets | 0.3547% | 4,564 |
| Noninterest expense to average assets | 3.4194% | 1,660 |
| Loan and lease loss provision to assets | 1.0389% | 104 |
| Net operating income to assets | -0.1867% | 6,201 |
| Return on assets (ROA) | -0.1852% | 6,196 |
| Pretax return on assets | -0.1852% | 6,180 |
| Return on Equity (ROE) | -1.5487% | 6,190 |
| Retained earnings to average equity (ytd only) | -2.3362% | 6,046 |
| Net charge-offs to loans | 1.9273% | 103 |
| Credit loss provision to net charge-offs | 98.8060% | 2,453 |
| Earnings coverage of net charge-offs (x) | 0.8104% | 4,560 |
| Efficiency ratio | 79.9045% | 1,944 |
| Assets per employee ($millions) | 3.5823% | 4,752 |
| Cash dividends to net income (ytd only)* | -50.8475% | 6,496 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4137% | 197 |
| Loan loss allowance to noncurrent loans | 79.6524% | 4,233 |
| Noncurrent assets plus other real estate owned to assets | 2.2193% | 1,095 |
| Noncurrent loans to loans | 4.2858% | 402 |
| Net loans and leases to total assets | 48.2669% | 5,124 |
| Net loans and leases to deposits | 54.8442% | 5,263 |
| Net loans and leases to core deposits | 58.5591% | 5,227 |
| Total domestic deposits to total assets | 88.0073% | 1,764 |
| Equity capital to assets | 11.6841% | 2,270 |
| Core capital (leverage) ratio | 10.5815% | 2,859 |
| Tier 1 risk-based capital ratio | 19.7220% | 1,656 |
| Total risk-based capital ratio | 20.9944% | 1,621 |
| Memoranda: | ||
| Average total assets | $63,723,800 | 5,456 |
| Average earning assets | $60,539,000 | 5,381 |
| Average equity | $7,619,200 | 5,290 |
| Average total loans | $34,762,800 | 5,372 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6217% | 1,511 |
| Cost of funding earning assets | 0.3975% | 3,817 |
| Net interest margin | 4.2242% | 1,212 |
| Noninterest income to average assets | 0.3001% | 5,051 |
| Noninterest expense to average assets | 3.3157% | 1,868 |
| Loan and lease loss provision to assets | 1.1374% | 89 |
| Net operating income to assets | -0.1721% | 6,257 |
| Return on assets (ROA) | -0.1700% | 6,264 |
| Pretax return on assets | -0.1364% | 6,224 |
| Return on Equity (ROE) | -1.4135% | 6,256 |
| Retained earnings to average equity (ytd only) | -1.4135% | 6,020 |
| Net charge-offs to loans | 0.6893% | 509 |
| Credit loss provision to net charge-offs | 296.1749% | 918 |
| Earnings coverage of net charge-offs (x) | 2.6011% | 3,872 |
| Efficiency ratio | 76.7510% | 2,379 |
| Assets per employee ($millions) | 3.8636% | 4,161 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5374% | 102 |
| Loan loss allowance to noncurrent loans | 87.9496% | 3,970 |
| Noncurrent assets plus other real estate owned to assets | 2.5395% | 1,025 |
| Noncurrent loans to loans | 5.1591% | 338 |
| Net loans and leases to total assets | 46.9908% | 5,296 |
| Net loans and leases to deposits | 53.3370% | 5,431 |
| Net loans and leases to core deposits | 56.8754% | 5,400 |
| Total domestic deposits to total assets | 88.1016% | 1,711 |
| Equity capital to assets | 11.5178% | 2,464 |
| Core capital (leverage) ratio | 10.9298% | 2,557 |
| Tier 1 risk-based capital ratio | 20.5290% | 1,545 |
| Total risk-based capital ratio | 21.8155% | 1,500 |
| Memoranda: | ||
| Average total assets | $63,534,500 | 5,521 |
| Average earning assets | $60,381,000 | 5,445 |
| Average equity | $7,640,500 | 5,327 |
| Average total loans | $35,397,750 | 5,399 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8176% | 1,045 |
| Cost of funding earning assets | 0.4062% | 3,810 |
| Net interest margin | 4.4114% | 827 |
| Noninterest income to average assets | 0.2802% | 5,185 |
| Noninterest expense to average assets | 3.2092% | 2,163 |
| Loan and lease loss provision to assets | 0.4012% | 416 |
| Net operating income to assets | 0.8214% | 3,228 |
| Return on assets (ROA) | 0.8214% | 3,325 |
| Pretax return on assets | 0.8532% | 4,065 |
| Return on Equity (ROE) | 6.7313% | 3,766 |
| Retained earnings to average equity (ytd only) | 6.7313% | 1,909 |
| Net charge-offs to loans | 0.9116% | 397 |
| Credit loss provision to net charge-offs | 75.9036% | 2,377 |
| Earnings coverage of net charge-offs (x) | 2.3735% | 3,565 |
| Efficiency ratio | 71.8260% | 3,376 |
| Assets per employee ($millions) | 3.5161% | 4,813 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0312% | 370 |
| Loan loss allowance to noncurrent loans | 152.7897% | 2,681 |
| Noncurrent assets plus other real estate owned to assets | 1.1629% | 2,755 |
| Noncurrent loans to loans | 1.9839% | 1,699 |
| Net loans and leases to total assets | 53.9841% | 4,542 |
| Net loans and leases to deposits | 62.0185% | 4,694 |
| Net loans and leases to core deposits | 63.6357% | 4,844 |
| Total domestic deposits to total assets | 87.0451% | 2,430 |
| Equity capital to assets | 12.5788% | 1,596 |
| Core capital (leverage) ratio | 11.6775% | 1,868 |
| Tier 1 risk-based capital ratio | 20.1815% | 1,642 |
| Total risk-based capital ratio | 21.4528% | 1,608 |
| Memoranda: | ||
| Average total assets | $62,819,000 | 5,591 |
| Average earning assets | $59,572,670 | 5,514 |
| Average equity | $7,665,670 | 5,354 |
| Average total loans | $36,420,000 | 5,402 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8421% | 965 |
| Cost of funding earning assets | 0.4046% | 3,914 |
| Net interest margin | 4.4375% | 744 |
| Noninterest income to average assets | 0.1981% | 5,776 |
| Noninterest expense to average assets | 3.2468% | 2,082 |
| Loan and lease loss provision to assets | 0.5113% | 286 |
| Net operating income to assets | 0.6136% | 4,136 |
| Return on assets (ROA) | 0.6136% | 4,210 |
| Pretax return on assets | 0.6455% | 4,677 |
| Return on Equity (ROE) | 5.1077% | 4,490 |
| Retained earnings to average equity (ytd only) | 5.1077% | 3,054 |
| Net charge-offs to loans | 1.8588% | 147 |
| Credit loss provision to net charge-offs | 46.5116% | 2,236 |
| Earnings coverage of net charge-offs (x) | 1.0523% | 3,195 |
| Efficiency ratio | 73.5849% | 3,216 |
| Assets per employee ($millions) | 3.5953% | 4,734 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7499% | 585 |
| Loan loss allowance to noncurrent loans | 57.9578% | 4,917 |
| Noncurrent assets plus other real estate owned to assets | 2.7660% | 1,086 |
| Noncurrent loans to loans | 4.7446% | 486 |
| Net loans and leases to total assets | 55.5219% | 4,206 |
| Net loans and leases to deposits | 63.2065% | 4,407 |
| Net loans and leases to core deposits | 65.9200% | 4,492 |
| Total domestic deposits to total assets | 87.8421% | 2,317 |
| Equity capital to assets | 11.7670% | 2,037 |
| Core capital (leverage) ratio | 11.4620% | 1,994 |
| Tier 1 risk-based capital ratio | 19.1560% | 1,918 |
| Total risk-based capital ratio | 20.4233% | 1,877 |
| Memoranda: | ||
| Average total assets | $62,584,000 | 5,654 |
| Average earning assets | $59,313,000 | 5,580 |
| Average equity | $7,518,000 | 5,417 |
| Average total loans | $37,013,000 | 5,424 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7617% | 1,400 |
| Cost of funding earning assets | 0.4316% | 4,301 |
| Net interest margin | 4.3301% | 1,035 |
| Noninterest income to average assets | 0.4514% | 4,085 |
| Noninterest expense to average assets | 3.3598% | 1,974 |
| Loan and lease loss provision to assets | 1.2140% | 132 |
| Net operating income to assets | -0.0353% | 6,245 |
| Return on assets (ROA) | 0.0451% | 6,185 |
| Pretax return on assets | 0.0790% | 6,115 |
| Return on Equity (ROE) | 0.3624% | 6,191 |
| Retained earnings to average equity (ytd only) | 0.3624% | 5,687 |
| Net charge-offs to loans | 0.7665% | 822 |
| Credit loss provision to net charge-offs | 274.8175% | 826 |
| Earnings coverage of net charge-offs (x) | 2.6423% | 4,113 |
| Efficiency ratio | 74.1453% | 3,108 |
| Assets per employee ($millions) | 3.7783% | 4,312 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9882% | 476 |
| Loan loss allowance to noncurrent loans | 81.5305% | 4,135 |
| Noncurrent assets plus other real estate owned to assets | 2.4151% | 1,435 |
| Noncurrent loans to loans | 3.6651% | 826 |
| Net loans and leases to total assets | 59.5024% | 3,795 |
| Net loans and leases to deposits | 69.2616% | 3,877 |
| Net loans and leases to core deposits | 71.1804% | 4,167 |
| Total domestic deposits to total assets | 85.9097% | 3,306 |
| Equity capital to assets | 12.2757% | 1,637 |
| Core capital (leverage) ratio | 11.8226% | 1,740 |
| Tier 1 risk-based capital ratio | 18.6381% | 2,033 |
| Total risk-based capital ratio | 19.9083% | 1,993 |
| Memoranda: | ||
| Average total assets | $62,027,000 | 5,703 |
| Average earning assets | $58,382,400 | 5,645 |
| Average equity | $7,725,800 | 5,408 |
| Average total loans | $35,749,000 | 5,505 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7405% | 1,496 |
| Cost of funding earning assets | 0.4361% | 4,434 |
| Net interest margin | 4.3044% | 1,084 |
| Noninterest income to average assets | 0.4293% | 4,302 |
| Noninterest expense to average assets | 3.1634% | 2,467 |
| Loan and lease loss provision to assets | 1.3329% | 99 |
| Net operating income to assets | -0.0641% | 6,352 |
| Return on assets (ROA) | -0.0641% | 6,388 |
| Pretax return on assets | -0.0192% | 6,338 |
| Return on Equity (ROE) | -0.5127% | 6,383 |
| Retained earnings to average equity (ytd only) | -0.5127% | 6,048 |
| Net charge-offs to loans | 0.6701% | 900 |
| Credit loss provision to net charge-offs | 350.5618% | 744 |
| Earnings coverage of net charge-offs (x) | 3.4550% | 3,695 |
| Efficiency ratio | 70.5630% | 3,662 |
| Assets per employee ($millions) | 3.8466% | 4,137 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1072% | 491 |
| Loan loss allowance to noncurrent loans | 112.2129% | 3,187 |
| Noncurrent assets plus other real estate owned to assets | 1.7207% | 2,384 |
| Noncurrent loans to loans | 2.7690% | 1,513 |
| Net loans and leases to total assets | 54.4675% | 4,532 |
| Net loans and leases to deposits | 62.4257% | 4,700 |
| Net loans and leases to core deposits | 64.2196% | 4,878 |
| Total domestic deposits to total assets | 87.2516% | 2,535 |
| Equity capital to assets | 12.2090% | 1,776 |
| Core capital (leverage) ratio | 11.5736% | 1,984 |
| Tier 1 risk-based capital ratio | 19.2789% | 1,911 |
| Total risk-based capital ratio | 20.5497% | 1,872 |
| Memoranda: | ||
| Average total assets | $62,420,500 | 5,754 |
| Average earning assets | $58,698,250 | 5,694 |
| Average equity | $7,802,000 | 5,448 |
| Average total loans | $35,416,500 | 5,565 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7363% | 1,470 |
| Cost of funding earning assets | 0.4349% | 4,608 |
| Net interest margin | 4.3014% | 1,030 |
| Noninterest income to average assets | 0.4943% | 3,874 |
| Noninterest expense to average assets | 3.1796% | 2,405 |
| Loan and lease loss provision to assets | 0.7271% | 307 |
| Net operating income to assets | 0.5804% | 4,401 |
| Return on assets (ROA) | 0.5804% | 4,575 |
| Pretax return on assets | 0.6251% | 4,928 |
| Return on Equity (ROE) | 4.6088% | 4,946 |
| Retained earnings to average equity (ytd only) | 4.6088% | 3,332 |
| Net charge-offs to loans | -0.0112% | 5,796 |
| Credit loss provision to net charge-offs | -11,400.0000% | 6,278 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0915% | 3,808 |
| Assets per employee ($millions) | 3.7958% | 4,214 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4087% | 1,083 |
| Loan loss allowance to noncurrent loans | 66.5891% | 4,538 |
| Noncurrent assets plus other real estate owned to assets | 2.2311% | 1,934 |
| Noncurrent loans to loans | 3.6173% | 1,140 |
| Net loans and leases to total assets | 57.3049% | 4,093 |
| Net loans and leases to deposits | 66.0975% | 4,255 |
| Net loans and leases to core deposits | 70.4058% | 4,225 |
| Total domestic deposits to total assets | 86.6975% | 2,998 |
| Equity capital to assets | 12.8316% | 1,408 |
| Core capital (leverage) ratio | 12.2065% | 1,505 |
| Tier 1 risk-based capital ratio | 19.2818% | 1,912 |
| Total risk-based capital ratio | 20.5449% | 1,879 |
| Memoranda: | ||
| Average total assets | $62,712,330 | 5,784 |
| Average earning assets | $58,864,670 | 5,731 |
| Average equity | $7,898,000 | 5,458 |
| Average total loans | $35,689,670 | 5,589 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6483% | 1,680 |
| Cost of funding earning assets | 0.4360% | 4,744 |
| Net interest margin | 4.2123% | 1,158 |
| Noninterest income to average assets | 0.4207% | 4,308 |
| Noninterest expense to average assets | 3.1773% | 2,427 |
| Loan and lease loss provision to assets | 1.1428% | 144 |
| Net operating income to assets | 0.0000% | 6,342 |
| Return on assets (ROA) | 0.0000% | 6,416 |
| Pretax return on assets | 0.0440% | 6,352 |
| Return on Equity (ROE) | 0.0000% | 6,418 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,764 |
| Net charge-offs to loans | -0.4369% | 6,836 |
| Credit loss provision to net charge-offs | -466.6667% | 5,458 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6619% | 3,492 |
| Assets per employee ($millions) | 3.7458% | 4,458 |
| Cash dividends to net income (ytd only)* | NA | NA |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3933% | 1,258 |
| Loan loss allowance to noncurrent loans | 43.4783% | 5,455 |
| Noncurrent assets plus other real estate owned to assets | 3.1172% | 1,418 |
| Noncurrent loans to loans | 5.5046% | 651 |
| Net loans and leases to total assets | 54.4395% | 4,343 |
| Net loans and leases to deposits | 62.4894% | 4,474 |
| Net loans and leases to core deposits | 67.2434% | 4,389 |
| Total domestic deposits to total assets | 87.1180% | 2,894 |
| Equity capital to assets | 12.4549% | 1,739 |
| Core capital (leverage) ratio | 11.7005% | 1,747 |
| Tier 1 risk-based capital ratio | 18.5798% | 2,164 |
| Total risk-based capital ratio | 19.8407% | 2,132 |
| Memoranda: | ||
| Average total assets | $63,702,000 | 5,811 |
| Average earning assets | $59,635,000 | 5,756 |
| Average equity | $7,950,500 | 5,495 |
| Average total loans | $35,703,500 | 5,631 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9228% | 1,766 |
| Cost of funding earning assets | 0.5083% | 5,159 |
| Net interest margin | 4.4146% | 1,133 |
| Noninterest income to average assets | 0.4702% | 4,098 |
| Noninterest expense to average assets | 3.3832% | 2,094 |
| Loan and lease loss provision to assets | 0.1924% | 3,228 |
| Net operating income to assets | 1.0056% | 2,311 |
| Return on assets (ROA) | 1.0056% | 2,532 |
| Pretax return on assets | 1.0508% | 3,353 |
| Return on Equity (ROE) | 7.6784% | 3,247 |
| Retained earnings to average equity (ytd only) | 3.8456% | 3,493 |
| Net charge-offs to loans | 0.1304% | 4,370 |
| Credit loss provision to net charge-offs | 287.5000% | 848 |
| Earnings coverage of net charge-offs (x) | 18.5750% | 1,431 |
| Efficiency ratio | 73.0561% | 3,229 |
| Assets per employee ($millions) | 3.7486% | 4,474 |
| Cash dividends to net income (ytd only)* | 49.9168% | 2,313 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7525% | 2,751 |
| Loan loss allowance to noncurrent loans | 67.3448% | 4,361 |
| Noncurrent assets plus other real estate owned to assets | 1.5143% | 3,109 |
| Noncurrent loans to loans | 2.6023% | 2,034 |
| Net loans and leases to total assets | 55.3338% | 4,403 |
| Net loans and leases to deposits | 65.3484% | 4,377 |
| Net loans and leases to core deposits | 70.4690% | 4,237 |
| Total domestic deposits to total assets | 84.6750% | 4,002 |
| Equity capital to assets | 12.5067% | 1,709 |
| Core capital (leverage) ratio | 11.7617% | 1,697 |
| Tier 1 risk-based capital ratio | 17.6632% | 2,395 |
| Total risk-based capital ratio | 18.9159% | 2,360 |
| Memoranda: | ||
| Average total assets | $59,765,600 | 5,930 |
| Average earning assets | $56,268,400 | 5,859 |
| Average equity | $7,827,200 | 5,549 |
| Average total loans | $30,669,200 | 5,917 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8886% | 2,052 |
| Cost of funding earning assets | 0.5176% | 5,327 |
| Net interest margin | 4.3710% | 1,275 |
| Noninterest income to average assets | 0.4038% | 4,609 |
| Noninterest expense to average assets | 3.1827% | 2,623 |
| Loan and lease loss provision to assets | 0.2609% | 2,490 |
| Net operating income to assets | 1.0775% | 2,180 |
| Return on assets (ROA) | 1.0775% | 2,380 |
| Pretax return on assets | 1.0979% | 3,360 |
| Return on Equity (ROE) | 8.1283% | 3,223 |
| Retained earnings to average equity (ytd only) | 5.0481% | 3,337 |
| Net charge-offs to loans | 0.1453% | 3,948 |
| Credit loss provision to net charge-offs | 359.3750% | 746 |
| Earnings coverage of net charge-offs (x) | 18.7169% | 1,538 |
| Efficiency ratio | 69.9800% | 3,687 |
| Assets per employee ($millions) | 3.5661% | 4,814 |
| Cash dividends to net income (ytd only)* | 37.8940% | 2,297 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9089% | 2,441 |
| Loan loss allowance to noncurrent loans | 79.6250% | 3,850 |
| Noncurrent assets plus other real estate owned to assets | 1.3707% | 3,551 |
| Noncurrent loans to loans | 2.3974% | 2,405 |
| Net loans and leases to total assets | 53.9935% | 4,749 |
| Net loans and leases to deposits | 62.6445% | 4,892 |
| Net loans and leases to core deposits | 67.0332% | 4,837 |
| Total domestic deposits to total assets | 86.1903% | 3,154 |
| Equity capital to assets | 13.4039% | 1,390 |
| Core capital (leverage) ratio | 11.8240% | 1,762 |
| Tier 1 risk-based capital ratio | 18.2551% | 2,249 |
| Total risk-based capital ratio | 19.5105% | 2,225 |
| Memoranda: | ||
| Average total assets | $58,775,500 | 6,015 |
| Average earning assets | $55,637,750 | 5,943 |
| Average equity | $7,791,500 | 5,614 |
| Average total loans | $29,363,750 | 6,052 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8250% | 2,410 |
| Cost of funding earning assets | 0.5272% | 5,446 |
| Net interest margin | 4.2977% | 1,485 |
| Noninterest income to average assets | 0.3989% | 4,656 |
| Noninterest expense to average assets | 3.3288% | 2,224 |
| Loan and lease loss provision to assets | 0.1376% | 3,801 |
| Net operating income to assets | 0.9766% | 2,564 |
| Return on assets (ROA) | 0.9766% | 2,801 |
| Pretax return on assets | 0.9973% | 3,720 |
| Return on Equity (ROE) | 7.3958% | 3,568 |
| Retained earnings to average equity (ytd only) | 4.2708% | 3,770 |
| Net charge-offs to loans | 0.0714% | 4,433 |
| Credit loss provision to net charge-offs | 400.0000% | 730 |
| Earnings coverage of net charge-offs (x) | 33.0000% | 1,010 |
| Efficiency ratio | 74.4992% | 2,992 |
| Assets per employee ($millions) | 3.5302% | 4,919 |
| Cash dividends to net income (ytd only)* | 42.2535% | 2,076 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9189% | 2,482 |
| Loan loss allowance to noncurrent loans | 82.6025% | 3,698 |
| Noncurrent assets plus other real estate owned to assets | 1.2297% | 3,955 |
| Noncurrent loans to loans | 2.3231% | 2,574 |
| Net loans and leases to total assets | 49.7392% | 5,387 |
| Net loans and leases to deposits | 57.4436% | 5,512 |
| Net loans and leases to core deposits | 60.3713% | 5,557 |
| Total domestic deposits to total assets | 86.5879% | 3,015 |
| Equity capital to assets | 13.0322% | 1,501 |
| Core capital (leverage) ratio | 11.9926% | 1,603 |
| Tier 1 risk-based capital ratio | 18.9815% | 1,973 |
| Total risk-based capital ratio | 20.2358% | 1,954 |
| Memoranda: | ||
| Average total assets | $58,159,330 | 6,072 |
| Average earning assets | $55,005,670 | 5,999 |
| Average equity | $7,680,000 | 5,660 |
| Average total loans | $28,028,330 | 6,150 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8848% | 2,304 |
| Cost of funding earning assets | 0.5625% | 5,412 |
| Net interest margin | 4.3223% | 1,399 |
| Noninterest income to average assets | 0.3145% | 5,354 |
| Noninterest expense to average assets | 3.4176% | 1,959 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.9575% | 2,650 |
| Return on assets (ROA) | 0.9575% | 2,857 |
| Pretax return on assets | 0.9785% | 3,756 |
| Return on Equity (ROE) | 7.2015% | 3,658 |
| Retained earnings to average equity (ytd only) | 4.0476% | 4,161 |
| Net charge-offs to loans | 0.2237% | 2,803 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 9.3333% | 1,853 |
| Efficiency ratio | 77.5835% | 2,553 |
| Assets per employee ($millions) | 3.4805% | 5,161 |
| Cash dividends to net income (ytd only)* | 43.7956% | 1,650 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9294% | 2,592 |
| Loan loss allowance to noncurrent loans | 70.2738% | 4,028 |
| Noncurrent assets plus other real estate owned to assets | 1.3487% | 3,865 |
| Noncurrent loans to loans | 2.7456% | 2,373 |
| Net loans and leases to total assets | 46.3037% | 5,747 |
| Net loans and leases to deposits | 53.4482% | 5,865 |
| Net loans and leases to core deposits | 57.0307% | 5,812 |
| Total domestic deposits to total assets | 86.6330% | 3,160 |
| Equity capital to assets | 12.9276% | 1,469 |
| Core capital (leverage) ratio | 12.1298% | 1,518 |
| Tier 1 risk-based capital ratio | 20.1892% | 1,660 |
| Total risk-based capital ratio | 21.4418% | 1,633 |
| Memoranda: | ||
| Average total assets | $57,232,500 | 6,144 |
| Average earning assets | $54,045,000 | 6,064 |
| Average equity | $7,609,500 | 5,706 |
| Average total loans | $26,825,500 | 6,262 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7472% | 4,047 |
| Cost of funding earning assets | 0.6671% | 5,728 |
| Net interest margin | 4.0801% | 2,527 |
| Noninterest income to average assets | 0.5125% | 3,765 |
| Noninterest expense to average assets | 3.5497% | 1,863 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.7963% | 3,053 |
| Return on assets (ROA) | 0.9067% | 2,700 |
| Pretax return on assets | 0.9217% | 3,542 |
| Return on Equity (ROE) | 6.6707% | 3,555 |
| Retained earnings to average equity (ytd only) | 2.9417% | 4,144 |
| Net charge-offs to loans | 0.2098% | 4,481 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 8.6200% | 2,117 |
| Efficiency ratio | 81.3523% | 2,108 |
| Assets per employee ($millions) | 3.2528% | 5,613 |
| Cash dividends to net income (ytd only)* | 55.9006% | 1,755 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1544% | 1,888 |
| Loan loss allowance to noncurrent loans | 79.4835% | 3,675 |
| Noncurrent assets plus other real estate owned to assets | 1.4793% | 3,737 |
| Noncurrent loans to loans | 2.7105% | 2,394 |
| Net loans and leases to total assets | 45.5016% | 6,055 |
| Net loans and leases to deposits | 53.0957% | 6,131 |
| Net loans and leases to core deposits | 56.3264% | 6,137 |
| Total domestic deposits to total assets | 85.6972% | 3,485 |
| Equity capital to assets | 13.6897% | 1,179 |
| Core capital (leverage) ratio | 12.1143% | 1,530 |
| Tier 1 risk-based capital ratio | 21.4514% | 1,331 |
| Total risk-based capital ratio | 22.7071% | 1,301 |
| Memoranda: | ||
| Average total assets | $53,272,200 | 6,251 |
| Average earning assets | $50,219,400 | 6,181 |
| Average equity | $7,240,600 | 5,794 |
| Average total loans | $23,832,000 | 6,471 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6959% | 4,483 |
| Cost of funding earning assets | 0.6865% | 5,841 |
| Net interest margin | 4.0094% | 2,880 |
| Noninterest income to average assets | 0.5281% | 3,668 |
| Noninterest expense to average assets | 3.4415% | 2,098 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.8333% | 3,007 |
| Return on assets (ROA) | 0.9804% | 2,550 |
| Pretax return on assets | 1.0158% | 3,348 |
| Return on Equity (ROE) | 7.2269% | 3,411 |
| Retained earnings to average equity (ytd only) | 4.4331% | 3,569 |
| Net charge-offs to loans | 0.1827% | 4,338 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 10.6864% | 1,889 |
| Efficiency ratio | 79.8122% | 2,279 |
| Assets per employee ($millions) | 3.5374% | 4,904 |
| Cash dividends to net income (ytd only)* | 38.6608% | 2,089 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4292% | 1,492 |
| Loan loss allowance to noncurrent loans | 116.0243% | 2,574 |
| Noncurrent assets plus other real estate owned to assets | 1.0848% | 4,588 |
| Noncurrent loans to loans | 2.0937% | 3,254 |
| Net loans and leases to total assets | 40.5933% | 6,588 |
| Net loans and leases to deposits | 47.1156% | 6,680 |
| Net loans and leases to core deposits | 48.8362% | 6,721 |
| Total domestic deposits to total assets | 86.1568% | 3,131 |
| Equity capital to assets | 13.4157% | 1,407 |
| Core capital (leverage) ratio | 12.2392% | 1,570 |
| Tier 1 risk-based capital ratio | 23.3783% | 1,092 |
| Total risk-based capital ratio | 24.6372% | 1,072 |
| Memoranda: | ||
| Average total assets | $52,766,000 | 6,323 |
| Average earning assets | $49,715,750 | 6,256 |
| Average equity | $7,158,250 | 5,857 |
| Average total loans | $23,361,250 | 6,564 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7369% | 4,359 |
| Cost of funding earning assets | 0.7056% | 5,924 |
| Net interest margin | 4.0313% | 2,694 |
| Noninterest income to average assets | 0.5788% | 3,279 |
| Noninterest expense to average assets | 3.6435% | 1,641 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.6914% | 3,584 |
| Return on assets (ROA) | 0.6914% | 3,701 |
| Pretax return on assets | 0.7303% | 4,273 |
| Return on Equity (ROE) | 5.0760% | 4,414 |
| Retained earnings to average equity (ytd only) | 2.5095% | 4,692 |
| Net charge-offs to loans | 0.0687% | 4,951 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 23.5000% | 1,089 |
| Efficiency ratio | 83.2149% | 1,922 |
| Assets per employee ($millions) | 3.2023% | 5,637 |
| Cash dividends to net income (ytd only)* | 50.5618% | 1,669 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5689% | 1,343 |
| Loan loss allowance to noncurrent loans | 212.8571% | 1,442 |
| Noncurrent assets plus other real estate owned to assets | 0.7366% | 5,437 |
| Noncurrent loans to loans | 1.2068% | 4,641 |
| Net loans and leases to total assets | 41.5235% | 6,626 |
| Net loans and leases to deposits | 48.2065% | 6,712 |
| Net loans and leases to core deposits | 49.6901% | 6,770 |
| Total domestic deposits to total assets | 86.1368% | 3,253 |
| Equity capital to assets | 13.4132% | 1,332 |
| Core capital (leverage) ratio | 12.8171% | 1,240 |
| Tier 1 risk-based capital ratio | 20.9511% | 1,429 |
| Total risk-based capital ratio | 22.2095% | 1,404 |
| Memoranda: | ||
| Average total assets | $51,488,670 | 6,433 |
| Average earning assets | $48,470,670 | 6,353 |
| Average equity | $7,013,330 | 5,926 |
| Average total loans | $23,299,330 | 6,626 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9317% | 3,408 |
| Cost of funding earning assets | 0.7313% | 5,970 |
| Net interest margin | 4.2005% | 1,889 |
| Noninterest income to average assets | 0.5598% | 3,436 |
| Noninterest expense to average assets | 3.7190% | 1,503 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.7518% | 3,264 |
| Return on assets (ROA) | 0.7518% | 3,329 |
| Pretax return on assets | 0.7918% | 3,928 |
| Return on Equity (ROE) | 5.4739% | 4,169 |
| Retained earnings to average equity (ytd only) | 5.4739% | 2,920 |
| Net charge-offs to loans | -0.0857% | 7,043 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.2695% | 2,184 |
| Assets per employee ($millions) | 2.8373% | 6,462 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5495% | 1,389 |
| Loan loss allowance to noncurrent loans | 181.2500% | 1,622 |
| Noncurrent assets plus other real estate owned to assets | 0.7186% | 5,502 |
| Noncurrent loans to loans | 1.4066% | 4,365 |
| Net loans and leases to total assets | 45.5788% | 6,323 |
| Net loans and leases to deposits | 53.1303% | 6,372 |
| Net loans and leases to core deposits | 55.0138% | 6,481 |
| Total domestic deposits to total assets | 85.7867% | 3,645 |
| Equity capital to assets | 13.7394% | 1,087 |
| Core capital (leverage) ratio | 12.9457% | 1,134 |
| Tier 1 risk-based capital ratio | 22.8358% | 1,106 |
| Total risk-based capital ratio | 24.0951% | 1,088 |
| Memoranda: | ||
| Average total assets | $50,013,500 | 6,532 |
| Average earning assets | $47,042,500 | 6,450 |
| Average equity | $6,869,000 | 5,966 |
| Average total loans | $23,348,500 | 6,678 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0996% | 4,099 |
| Cost of funding earning assets | 1.0312% | 5,526 |
| Net interest margin | 4.0684% | 2,715 |
| Noninterest income to average assets | 0.7228% | 2,692 |
| Noninterest expense to average assets | 3.6264% | 1,861 |
| Loan and lease loss provision to assets | 0.3435% | 4,084 |
| Net operating income to assets | 0.5337% | 3,951 |
| Return on assets (ROA) | 0.7860% | 2,987 |
| Pretax return on assets | 0.8260% | 3,547 |
| Return on Equity (ROE) | 5.4102% | 3,891 |
| Retained earnings to average equity (ytd only) | 1.4940% | 4,784 |
| Net charge-offs to loans | 0.1660% | 5,340 |
| Credit loss provision to net charge-offs | 465.7143% | 492 |
| Earnings coverage of net charge-offs (x) | 12.2571% | 1,526 |
| Efficiency ratio | 79.9535% | 2,423 |
| Assets per employee ($millions) | 2.8797% | 6,380 |
| Cash dividends to net income (ytd only)* | 72.3861% | 1,121 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6480% | 1,229 |
| Loan loss allowance to noncurrent loans | 111.0294% | 2,620 |
| Noncurrent assets plus other real estate owned to assets | 1.1602% | 4,694 |
| Noncurrent loans to loans | 2.3849% | 3,133 |
| Net loans and leases to total assets | 45.3600% | 6,606 |
| Net loans and leases to deposits | 54.1201% | 6,601 |
| Net loans and leases to core deposits | 55.4720% | 6,725 |
| Total domestic deposits to total assets | 83.8137% | 4,446 |
| Equity capital to assets | 13.7289% | 1,121 |
| Core capital (leverage) ratio | 13.5312% | 973 |
| Tier 1 risk-based capital ratio | 23.4336% | 990 |
| Total risk-based capital ratio | 24.6951% | 965 |
| Memoranda: | ||
| Average total assets | $47,457,600 | 6,621 |
| Average earning assets | $44,415,200 | 6,565 |
| Average equity | $6,894,400 | 6,073 |
| Average total loans | $21,090,000 | 6,865 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0750% | 4,453 |
| Cost of funding earning assets | 1.1136% | 5,359 |
| Net interest margin | 3.9613% | 3,285 |
| Noninterest income to average assets | 0.6966% | 2,835 |
| Noninterest expense to average assets | 3.4151% | 2,249 |
| Loan and lease loss provision to assets | 0.3964% | 3,527 |
| Net operating income to assets | 0.5587% | 4,059 |
| Return on assets (ROA) | 0.8977% | 2,770 |
| Pretax return on assets | 0.9487% | 3,371 |
| Return on Equity (ROE) | 6.0922% | 3,772 |
| Retained earnings to average equity (ytd only) | 2.6328% | 4,573 |
| Net charge-offs to loans | 0.9293% | 2,137 |
| Credit loss provision to net charge-offs | 97.2222% | 4,461 |
| Earnings coverage of net charge-offs (x) | 2.4235% | 3,964 |
| Efficiency ratio | 77.4277% | 2,705 |
| Assets per employee ($millions) | 3.0193% | 6,112 |
| Cash dividends to net income (ytd only)* | 56.7809% | 1,367 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2232% | 1,755 |
| Loan loss allowance to noncurrent loans | 143.4650% | 1,970 |
| Noncurrent assets plus other real estate owned to assets | 0.7307% | 5,648 |
| Noncurrent loans to loans | 1.5496% | 4,310 |
| Net loans and leases to total assets | 42.9722% | 6,910 |
| Net loans and leases to deposits | 50.7617% | 6,962 |
| Net loans and leases to core deposits | 50.7617% | 7,092 |
| Total domestic deposits to total assets | 84.6547% | 3,798 |
| Equity capital to assets | 14.8319% | 939 |
| Core capital (leverage) ratio | 13.8732% | 947 |
| Tier 1 risk-based capital ratio | 24.5382% | 889 |
| Total risk-based capital ratio | 25.7940% | 872 |
| Memoranda: | ||
| Average total assets | $47,083,250 | 6,716 |
| Average earning assets | $44,058,000 | 6,657 |
| Average equity | $6,937,750 | 6,138 |
| Average total loans | $20,660,000 | 6,978 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1448% | 4,218 |
| Cost of funding earning assets | 1.1887% | 5,192 |
| Net interest margin | 3.9562% | 3,220 |
| Noninterest income to average assets | 0.7070% | 2,666 |
| Noninterest expense to average assets | 3.6079% | 1,759 |
| Loan and lease loss provision to assets | 0.5356% | 2,641 |
| Net operating income to assets | 0.2381% | 5,418 |
| Return on assets (ROA) | 0.7456% | 3,365 |
| Pretax return on assets | 0.7970% | 3,892 |
| Return on Equity (ROE) | 5.0714% | 4,260 |
| Retained earnings to average equity (ytd only) | 1.5739% | 5,072 |
| Net charge-offs to loans | 0.6546% | 2,581 |
| Credit loss provision to net charge-offs | 186.5672% | 2,116 |
| Earnings coverage of net charge-offs (x) | 2.7612% | 3,607 |
| Efficiency ratio | 81.8890% | 2,183 |
| Assets per employee ($millions) | 2.9499% | 6,245 |
| Cash dividends to net income (ytd only)* | 68.9655% | 1,055 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6471% | 1,137 |
| Loan loss allowance to noncurrent loans | 140.8971% | 1,974 |
| Noncurrent assets plus other real estate owned to assets | 0.8538% | 5,408 |
| Noncurrent loans to loans | 1.8787% | 3,896 |
| Net loans and leases to total assets | 41.6089% | 7,060 |
| Net loans and leases to deposits | 49.0901% | 7,106 |
| Net loans and leases to core deposits | 49.4685% | 7,231 |
| Total domestic deposits to total assets | 84.7603% | 3,747 |
| Equity capital to assets | 14.6804% | 955 |
| Core capital (leverage) ratio | 13.9345% | 940 |
| Tier 1 risk-based capital ratio | 25.0349% | 841 |
| Total risk-based capital ratio | 26.2946% | 824 |
| Memoranda: | ||
| Average total assets | $46,675,000 | 6,770 |
| Average earning assets | $43,577,670 | 6,716 |
| Average equity | $6,862,000 | 6,186 |
| Average total loans | $20,469,670 | 7,042 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1638% | 4,228 |
| Cost of funding earning assets | 1.2242% | 5,260 |
| Net interest margin | 3.9396% | 3,153 |
| Noninterest income to average assets | 0.6378% | 3,018 |
| Noninterest expense to average assets | 3.4818% | 2,032 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.8187% | 2,885 |
| Return on assets (ROA) | 0.8187% | 2,975 |
| Pretax return on assets | 0.8446% | 3,688 |
| Return on Equity (ROE) | 5.5649% | 4,079 |
| Retained earnings to average equity (ytd only) | 5.5649% | 2,835 |
| Net charge-offs to loans | 1.0476% | 1,581 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 1.8148% | 3,647 |
| Efficiency ratio | 80.2789% | 2,521 |
| Assets per employee ($millions) | 3.1530% | 5,876 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0689% | 2,023 |
| Loan loss allowance to noncurrent loans | 102.1792% | 2,715 |
| Noncurrent assets plus other real estate owned to assets | 0.8732% | 5,411 |
| Noncurrent loans to loans | 2.0248% | 3,759 |
| Net loans and leases to total assets | 42.2349% | 7,112 |
| Net loans and leases to deposits | 49.7658% | 7,135 |
| Net loans and leases to core deposits | 50.1481% | 7,276 |
| Total domestic deposits to total assets | 84.8673% | 3,738 |
| Equity capital to assets | 14.5681% | 981 |
| Core capital (leverage) ratio | 14.1515% | 923 |
| Tier 1 risk-based capital ratio | 25.1945% | 841 |
| Total risk-based capital ratio | 26.4484% | 820 |
| Memoranda: | ||
| Average total assets | $46,413,000 | 6,864 |
| Average earning assets | $43,456,500 | 6,797 |
| Average equity | $6,828,500 | 6,246 |
| Average total loans | $20,618,000 | 7,118 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5397% | 3,931 |
| Cost of funding earning assets | 1.5026% | 5,504 |
| Net interest margin | 4.0371% | 2,709 |
| Noninterest income to average assets | 0.7741% | 2,541 |
| Noninterest expense to average assets | 3.5502% | 2,269 |
| Loan and lease loss provision to assets | 0.6340% | 3,270 |
| Net operating income to assets | 0.3539% | 4,308 |
| Return on assets (ROA) | 0.6251% | 3,295 |
| Pretax return on assets | 0.6495% | 3,739 |
| Return on Equity (ROE) | 4.0654% | 4,065 |
| Retained earnings to average equity (ytd only) | -0.2749% | 5,011 |
| Net charge-offs to loans | 1.5326% | 1,634 |
| Credit loss provision to net charge-offs | 88.5093% | 6,051 |
| Earnings coverage of net charge-offs (x) | 1.3975% | 4,738 |
| Efficiency ratio | 77.9081% | 3,210 |
| Assets per employee ($millions) | 3.0354% | 6,136 |
| Cash dividends to net income (ytd only)* | 106.7616% | 529 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2842% | 1,506 |
| Loan loss allowance to noncurrent loans | 96.7480% | 2,889 |
| Noncurrent assets plus other real estate owned to assets | 1.0806% | 4,931 |
| Noncurrent loans to loans | 2.3610% | 3,212 |
| Net loans and leases to total assets | 44.7234% | 7,074 |
| Net loans and leases to deposits | 52.9143% | 7,112 |
| Net loans and leases to core deposits | 58.5969% | 7,319 |
| Total domestic deposits to total assets | 84.5204% | 3,790 |
| Equity capital to assets | 14.8624% | 940 |
| Core capital (leverage) ratio | 13.9618% | 989 |
| Tier 1 risk-based capital ratio | 25.2072% | 826 |
| Total risk-based capital ratio | 26.4654% | 803 |
| Memoranda: | ||
| Average total assets | $44,955,800 | 6,915 |
| Average earning assets | $42,060,200 | 6,859 |
| Average equity | $6,912,000 | 6,297 |
| Average total loans | $21,009,600 | 7,139 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7869% | 2,946 |
| Cost of funding earning assets | 1.4961% | 5,838 |
| Net interest margin | 4.2909% | 1,754 |
| Noninterest income to average assets | 0.7617% | 2,638 |
| Noninterest expense to average assets | 3.4127% | 2,540 |
| Loan and lease loss provision to assets | 0.8480% | 2,261 |
| Net operating income to assets | 0.4463% | 4,212 |
| Return on assets (ROA) | 0.4463% | 4,312 |
| Pretax return on assets | 0.5118% | 4,481 |
| Return on Equity (ROE) | 2.8784% | 4,845 |
| Retained earnings to average equity (ytd only) | -1.7271% | 5,664 |
| Net charge-offs to loans | 1.9190% | 1,041 |
| Credit loss provision to net charge-offs | 94.0594% | 5,371 |
| Earnings coverage of net charge-offs (x) | 1.5083% | 4,652 |
| Efficiency ratio | 71.3840% | 4,349 |
| Assets per employee ($millions) | 3.0165% | 6,121 |
| Cash dividends to net income (ytd only)* | 159.9950% | 257 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3622% | 1,218 |
| Loan loss allowance to noncurrent loans | 118.7050% | 2,390 |
| Noncurrent assets plus other real estate owned to assets | 0.9216% | 5,227 |
| Noncurrent loans to loans | 1.9900% | 3,655 |
| Net loans and leases to total assets | 45.2175% | 7,158 |
| Net loans and leases to deposits | 53.9500% | 7,220 |
| Net loans and leases to core deposits | 60.8078% | 7,369 |
| Total domestic deposits to total assets | 83.8136% | 3,813 |
| Equity capital to assets | 15.5631% | 876 |
| Core capital (leverage) ratio | 14.1988% | 1,043 |
| Tier 1 risk-based capital ratio | 25.1147% | 885 |
| Total risk-based capital ratio | 26.3489% | 865 |
| Memoranda: | ||
| Average total assets | $44,812,000 | 6,971 |
| Average earning assets | $41,886,500 | 6,914 |
| Average equity | $6,948,250 | 6,331 |
| Average total loans | $21,052,250 | 7,198 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8730% | 2,701 |
| Cost of funding earning assets | 1.4874% | 6,191 |
| Net interest margin | 4.3856% | 1,438 |
| Noninterest income to average assets | 0.7343% | 2,793 |
| Noninterest expense to average assets | 3.4881% | 2,374 |
| Loan and lease loss provision to assets | 1.2761% | 1,342 |
| Net operating income to assets | -0.0045% | 5,849 |
| Return on assets (ROA) | -0.0045% | 5,929 |
| Pretax return on assets | 0.0627% | 5,757 |
| Return on Equity (ROE) | -0.0289% | 5,932 |
| Retained earnings to average equity (ytd only) | -5.2335% | 6,342 |
| Net charge-offs to loans | 2.8362% | 577 |
| Credit loss provision to net charge-offs | 95.3177% | 4,759 |
| Earnings coverage of net charge-offs (x) | 1.0000% | 4,784 |
| Efficiency ratio | 72.1707% | 4,375 |
| Assets per employee ($millions) | 2.6694% | 6,904 |
| Cash dividends to net income (ytd only)* | -18,000.0000% | 8,184 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3380% | 1,060 |
| Loan loss allowance to noncurrent loans | 56.8985% | 4,616 |
| Noncurrent assets plus other real estate owned to assets | 1.9326% | 3,299 |
| Noncurrent loans to loans | 4.1091% | 1,623 |
| Net loans and leases to total assets | 45.9331% | 7,195 |
| Net loans and leases to deposits | 54.3775% | 7,250 |
| Net loans and leases to core deposits | 66.2345% | 7,202 |
| Total domestic deposits to total assets | 84.4708% | 3,516 |
| Equity capital to assets | 14.8527% | 1,069 |
| Core capital (leverage) ratio | 14.1090% | 1,113 |
| Tier 1 risk-based capital ratio | 23.9338% | 1,043 |
| Total risk-based capital ratio | 25.1678% | 1,022 |
| Memoranda: | ||
| Average total assets | $44,666,670 | 7,031 |
| Average earning assets | $41,682,330 | 6,986 |
| Average equity | $6,917,000 | 6,399 |
| Average total loans | $21,084,670 | 7,264 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1457% | 1,782 |
| Cost of funding earning assets | 1.4757% | 6,481 |
| Net interest margin | 4.6700% | 818 |
| Noninterest income to average assets | 0.6319% | 3,340 |
| Noninterest expense to average assets | 3.5206% | 2,046 |
| Loan and lease loss provision to assets | 0.4514% | 2,664 |
| Net operating income to assets | 0.9298% | 2,582 |
| Return on assets (ROA) | 0.9298% | 2,716 |
| Pretax return on assets | 1.0020% | 3,339 |
| Return on Equity (ROE) | 5.8811% | 4,088 |
| Retained earnings to average equity (ytd only) | -0.9707% | 5,880 |
| Net charge-offs to loans | -0.0191% | 7,426 |
| Credit loss provision to net charge-offs | -5,000.0000% | 6,722 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5989% | 4,453 |
| Assets per employee ($millions) | 2.6336% | 7,014 |
| Cash dividends to net income (ytd only)* | 116.5049% | 615 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6893% | 634 |
| Loan loss allowance to noncurrent loans | 63.0872% | 4,420 |
| Noncurrent assets plus other real estate owned to assets | 2.0526% | 2,819 |
| Noncurrent loans to loans | 4.2628% | 1,380 |
| Net loans and leases to total assets | 45.5821% | 7,223 |
| Net loans and leases to deposits | 54.4678% | 7,256 |
| Net loans and leases to core deposits | 67.3131% | 7,175 |
| Total domestic deposits to total assets | 83.6862% | 3,850 |
| Equity capital to assets | 15.6660% | 933 |
| Core capital (leverage) ratio | 15.0773% | 954 |
| Tier 1 risk-based capital ratio | 25.2958% | 953 |
| Total risk-based capital ratio | 26.5558% | 922 |
| Memoranda: | ||
| Average total assets | $44,310,500 | 7,091 |
| Average earning assets | $41,199,500 | 7,052 |
| Average equity | $7,005,500 | 6,408 |
| Average total loans | $20,955,500 | 7,314 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7156% | 1,976 |
| Cost of funding earning assets | 2.0829% | 6,122 |
| Net interest margin | 4.6327% | 1,087 |
| Noninterest income to average assets | 0.8445% | 2,266 |
| Noninterest expense to average assets | 3.8373% | 1,682 |
| Loan and lease loss provision to assets | -0.2900% | 8,284 |
| Net operating income to assets | 1.5309% | 959 |
| Return on assets (ROA) | 1.5219% | 943 |
| Pretax return on assets | 1.5915% | 1,407 |
| Return on Equity (ROE) | 10.0070% | 2,259 |
| Retained earnings to average equity (ytd only) | 3.1424% | 3,200 |
| Net charge-offs to loans | -0.9882% | 8,233 |
| Credit loss provision to net charge-offs | 64.4330% | 6,171 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4479% | 3,499 |
| Assets per employee ($millions) | 2.5794% | 7,050 |
| Cash dividends to net income (ytd only)* | 68.5976% | 2,242 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4500% | 721 |
| Loan loss allowance to noncurrent loans | 95.3532% | 3,597 |
| Noncurrent assets plus other real estate owned to assets | 1.2840% | 3,660 |
| Noncurrent loans to loans | 2.5694% | 2,111 |
| Net loans and leases to total assets | 46.5826% | 7,274 |
| Net loans and leases to deposits | 60.3570% | 7,058 |
| Net loans and leases to core deposits | 71.3821% | 7,118 |
| Total domestic deposits to total assets | 77.1785% | 5,947 |
| Equity capital to assets | 15.9570% | 943 |
| Core capital (leverage) ratio | 15.1334% | 997 |
| Tier 1 risk-based capital ratio | 25.4522% | 951 |
| Total risk-based capital ratio | 26.7093% | 929 |
| Memoranda: | ||
| Average total assets | $43,102,800 | 7,070 |
| Average earning assets | $40,041,200 | 7,039 |
| Average equity | $6,555,400 | 6,622 |
| Average total loans | $19,632,400 | 7,351 |