Home > Western Dakota Bank > Performance and Condition Ratios
Western Dakota Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9238% | 3,233 |
| Cost of funding earning assets | 1.5594% | 3,057 |
| Net interest margin | 3.3644% | 2,631 |
| Noninterest income to average assets | 0.2700% | 3,073 |
| Noninterest expense to average assets | 2.1157% | 3,323 |
| Loan and lease loss provision to assets | 0.0300% | 2,300 |
| Net operating income to assets | 1.1550% | 1,841 |
| Return on assets (ROA) | 1.1550% | 1,841 |
| Pretax return on assets | 1.2180% | 2,201 |
| Return on Equity (ROE) | 12.3000% | 1,669 |
| Retained earnings to average equity (ytd only) | 12.2991% | 738 |
| Net charge-offs to loans | 0.0000% | 2,326 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 62.8705% | 2,613 |
| Assets per employee ($millions) | 12.7088% | 368 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5580% | 891 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,773 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,816 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 31.5700% | 4,174 |
| Net loans and leases to deposits | 35.0505% | 4,204 |
| Net loans and leases to core deposits | 40.7893% | 4,153 |
| Total domestic deposits to total assets | 90.0700% | 796 |
| Equity capital to assets | 9.5498% | 2,530 |
| Core capital (leverage) ratio | 9.7465% | 3,040 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $76,192,000 | 3,984 |
| Average earning assets | $70,027,500 | 3,972 |
| Average equity | $7,155,000 | 4,053 |
| Average total loans | $24,804,500 | 4,151 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1537% | 2,830 |
| Cost of funding earning assets | 1.5218% | 3,313 |
| Net interest margin | 3.6319% | 1,823 |
| Noninterest income to average assets | 0.3000% | 3,060 |
| Noninterest expense to average assets | 1.9154% | 3,761 |
| Loan and lease loss provision to assets | 0.0300% | 2,546 |
| Net operating income to assets | 1.6214% | 752 |
| Return on assets (ROA) | 1.6214% | 744 |
| Pretax return on assets | 1.6895% | 987 |
| Return on Equity (ROE) | 18.1300% | 555 |
| Retained earnings to average equity (ytd only) | 10.0594% | 575 |
| Net charge-offs to loans | 0.0082% | 2,622 |
| Credit loss provision to net charge-offs | -50.0000% | 4,324 |
| Earnings coverage of net charge-offs (x) | 632.5000% | 213 |
| Efficiency ratio | 52.6572% | 3,830 |
| Assets per employee ($millions) | 12.6885% | 360 |
| Cash dividends to net income (ytd only)* | 44.5004% | 1,908 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4908% | 1,047 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,770 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,816 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 32.5500% | 4,182 |
| Net loans and leases to deposits | 36.0222% | 4,217 |
| Net loans and leases to core deposits | 41.9055% | 4,169 |
| Total domestic deposits to total assets | 90.3600% | 703 |
| Equity capital to assets | 9.2315% | 2,647 |
| Core capital (leverage) ratio | 9.5180% | 3,204 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $73,455,600 | 4,014 |
| Average earning assets | $67,485,800 | 3,999 |
| Average equity | $6,571,000 | 4,099 |
| Average total loans | $24,518,400 | 4,162 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0993% | 2,865 |
| Cost of funding earning assets | 1.5083% | 3,342 |
| Net interest margin | 3.5911% | 1,851 |
| Noninterest income to average assets | 0.3000% | 3,043 |
| Noninterest expense to average assets | 1.8629% | 3,821 |
| Loan and lease loss provision to assets | 0.0300% | 2,381 |
| Net operating income to assets | 1.6358% | 769 |
| Return on assets (ROA) | 1.6358% | 768 |
| Pretax return on assets | 1.7036% | 1,008 |
| Return on Equity (ROE) | 18.4400% | 536 |
| Retained earnings to average equity (ytd only) | 7.4958% | 1,563 |
| Net charge-offs to loans | 0.0055% | 2,478 |
| Credit loss provision to net charge-offs | 1,800.0000% | 260 |
| Earnings coverage of net charge-offs (x) | 948.0000% | 130 |
| Efficiency ratio | 51.7557% | 3,880 |
| Assets per employee ($millions) | 11.8100% | 448 |
| Cash dividends to net income (ytd only)* | 59.3505% | 1,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4883% | 1,079 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,813 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,861 |
| Noncurrent loans to loans | 0.0000% | 3,830 |
| Net loans and leases to total assets | 36.9000% | 4,118 |
| Net loans and leases to deposits | 40.9732% | 4,170 |
| Net loans and leases to core deposits | 47.8391% | 4,095 |
| Total domestic deposits to total assets | 90.0500% | 575 |
| Equity capital to assets | 9.5131% | 2,657 |
| Core capital (leverage) ratio | 9.7989% | 3,004 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $72,786,750 | 4,041 |
| Average earning assets | $66,830,500 | 4,026 |
| Average equity | $6,456,750 | 4,130 |
| Average total loans | $24,359,250 | 4,186 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9970% | 2,958 |
| Cost of funding earning assets | 1.4430% | 3,405 |
| Net interest margin | 3.5540% | 1,863 |
| Noninterest income to average assets | 0.3200% | 2,866 |
| Noninterest expense to average assets | 1.7704% | 3,981 |
| Loan and lease loss provision to assets | 0.0300% | 2,286 |
| Net operating income to assets | 1.7105% | 668 |
| Return on assets (ROA) | 1.7105% | 668 |
| Pretax return on assets | 1.7786% | 874 |
| Return on Equity (ROE) | 19.7400% | 470 |
| Retained earnings to average equity (ytd only) | 3.0808% | 3,015 |
| Net charge-offs to loans | -0.0085% | 3,950 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 49.4297% | 4,039 |
| Assets per employee ($millions) | 12.3375% | 380 |
| Cash dividends to net income (ytd only)* | 84.3949% | 565 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6382% | 782 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,808 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,854 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 31.7100% | 4,239 |
| Net loans and leases to deposits | 34.8318% | 4,280 |
| Net loans and leases to core deposits | 40.3156% | 4,229 |
| Total domestic deposits to total assets | 91.0500% | 444 |
| Equity capital to assets | 8.5795% | 3,046 |
| Core capital (leverage) ratio | 9.2132% | 3,532 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $73,429,000 | 4,053 |
| Average earning assets | $67,360,333 | 4,040 |
| Average equity | $6,362,000 | 4,142 |
| Average total loans | $23,632,333 | 4,215 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7867% | 3,172 |
| Cost of funding earning assets | 1.3668% | 3,446 |
| Net interest margin | 3.4199% | 2,056 |
| Noninterest income to average assets | 0.3100% | 2,877 |
| Noninterest expense to average assets | 1.7558% | 4,016 |
| Loan and lease loss provision to assets | 0.0300% | 2,039 |
| Net operating income to assets | 1.6190% | 756 |
| Return on assets (ROA) | 1.6190% | 765 |
| Pretax return on assets | 1.6846% | 979 |
| Return on Equity (ROE) | 18.5900% | 550 |
| Retained earnings to average equity (ytd only) | 18.5944% | 246 |
| Net charge-offs to loans | -0.0170% | 4,073 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 50.5512% | 4,001 |
| Assets per employee ($millions) | 12.2387% | 399 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6148% | 826 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,825 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,894 |
| Noncurrent loans to loans | 0.0000% | 3,844 |
| Net loans and leases to total assets | 31.9400% | 4,244 |
| Net loans and leases to deposits | 35.1848% | 4,276 |
| Net loans and leases to core deposits | 41.3777% | 4,250 |
| Total domestic deposits to total assets | 90.7900% | 577 |
| Equity capital to assets | 8.8858% | 2,749 |
| Core capital (leverage) ratio | 9.4357% | 3,271 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $73,131,000 | 4,077 |
| Average earning assets | $67,604,000 | 4,062 |
| Average equity | $6,367,500 | 4,159 |
| Average total loans | $23,514,500 | 4,239 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4767% | 3,131 |
| Cost of funding earning assets | 1.0028% | 3,284 |
| Net interest margin | 3.4740% | 2,245 |
| Noninterest income to average assets | 0.3500% | 2,791 |
| Noninterest expense to average assets | 1.8482% | 3,921 |
| Loan and lease loss provision to assets | 0.0700% | 1,699 |
| Net operating income to assets | 1.5308% | 963 |
| Return on assets (ROA) | 1.4570% | 1,071 |
| Pretax return on assets | 1.5443% | 1,336 |
| Return on Equity (ROE) | 17.7300% | 858 |
| Retained earnings to average equity (ytd only) | 12.4204% | 583 |
| Net charge-offs to loans | 0.0252% | 1,809 |
| Credit loss provision to net charge-offs | 750.0000% | 500 |
| Earnings coverage of net charge-offs (x) | 193.5000% | 596 |
| Efficiency ratio | 52.2615% | 3,808 |
| Assets per employee ($millions) | 12.1383% | 402 |
| Cash dividends to net income (ytd only)* | 29.9401% | 2,547 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6302% | 789 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 31.3200% | 4,268 |
| Net loans and leases to deposits | 34.3587% | 4,298 |
| Net loans and leases to core deposits | 40.4214% | 4,278 |
| Total domestic deposits to total assets | 91.1500% | 464 |
| Equity capital to assets | 8.5267% | 3,031 |
| Core capital (leverage) ratio | 9.2284% | 3,491 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $68,770,400 | 4,126 |
| Average earning assets | $63,126,400 | 4,107 |
| Average equity | $5,652,000 | 4,194 |
| Average total loans | $23,816,000 | 4,239 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3730% | 3,155 |
| Cost of funding earning assets | 0.9210% | 3,223 |
| Net interest margin | 3.4521% | 2,332 |
| Noninterest income to average assets | 0.3600% | 2,741 |
| Noninterest expense to average assets | 1.8045% | 3,967 |
| Loan and lease loss provision to assets | 0.0800% | 1,428 |
| Net operating income to assets | 1.5526% | 1,017 |
| Return on assets (ROA) | 1.5526% | 1,008 |
| Pretax return on assets | 1.6412% | 1,283 |
| Return on Equity (ROE) | 19.0800% | 813 |
| Retained earnings to average equity (ytd only) | 11.8274% | 1,005 |
| Net charge-offs to loans | 0.0222% | 1,649 |
| Credit loss provision to net charge-offs | 975.0000% | 414 |
| Earnings coverage of net charge-offs (x) | 218.2500% | 559 |
| Efficiency ratio | 51.2291% | 3,815 |
| Assets per employee ($millions) | 10.9332% | 511 |
| Cash dividends to net income (ytd only)* | 38.0228% | 1,729 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4398% | 1,288 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 39.0300% | 4,090 |
| Net loans and leases to deposits | 42.9165% | 4,134 |
| Net loans and leases to core deposits | 51.4945% | 3,993 |
| Total domestic deposits to total assets | 90.9400% | 686 |
| Equity capital to assets | 8.7166% | 2,592 |
| Core capital (leverage) ratio | 9.6777% | 3,123 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $67,755,500 | 4,149 |
| Average earning assets | $62,106,250 | 4,133 |
| Average equity | $5,512,500 | 4,218 |
| Average total loans | $23,973,250 | 4,253 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3100% | 3,082 |
| Cost of funding earning assets | 0.7623% | 3,323 |
| Net interest margin | 3.5477% | 2,157 |
| Noninterest income to average assets | 0.3500% | 2,761 |
| Noninterest expense to average assets | 1.7642% | 4,064 |
| Loan and lease loss provision to assets | 0.0900% | 1,256 |
| Net operating income to assets | 1.6765% | 822 |
| Return on assets (ROA) | 1.6765% | 826 |
| Pretax return on assets | 1.7642% | 1,087 |
| Return on Equity (ROE) | 21.0900% | 615 |
| Retained earnings to average equity (ytd only) | 10.0661% | 1,385 |
| Net charge-offs to loans | 0.0257% | 1,364 |
| Credit loss provision to net charge-offs | 1,000.0000% | 406 |
| Earnings coverage of net charge-offs (x) | 211.3333% | 579 |
| Efficiency ratio | 48.7884% | 4,013 |
| Assets per employee ($millions) | 11.1830% | 489 |
| Cash dividends to net income (ytd only)* | 52.2648% | 1,208 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4538% | 1,335 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 36.9700% | 4,147 |
| Net loans and leases to deposits | 40.4306% | 4,205 |
| Net loans and leases to core deposits | 48.2243% | 4,061 |
| Total domestic deposits to total assets | 91.4500% | 516 |
| Equity capital to assets | 8.2491% | 3,057 |
| Core capital (leverage) ratio | 9.1396% | 3,613 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $68,474,333 | 4,161 |
| Average earning assets | $62,969,667 | 4,150 |
| Average equity | $5,444,000 | 4,251 |
| Average total loans | $23,306,000 | 4,281 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1199% | 3,215 |
| Cost of funding earning assets | 0.6459% | 3,237 |
| Net interest margin | 3.4740% | 2,441 |
| Noninterest income to average assets | 0.3500% | 2,725 |
| Noninterest expense to average assets | 1.6431% | 4,254 |
| Loan and lease loss provision to assets | 0.0900% | 1,196 |
| Net operating income to assets | 1.7357% | 768 |
| Return on assets (ROA) | 1.7357% | 759 |
| Pretax return on assets | 1.8225% | 1,031 |
| Return on Equity (ROE) | 22.2300% | 564 |
| Retained earnings to average equity (ytd only) | 22.2284% | 278 |
| Net charge-offs to loans | 0.0715% | 719 |
| Credit loss provision to net charge-offs | 375.0000% | 620 |
| Earnings coverage of net charge-offs (x) | 82.5000% | 883 |
| Efficiency ratio | 46.2541% | 4,202 |
| Assets per employee ($millions) | 11.4258% | 462 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7914% | 673 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 31.9900% | 4,321 |
| Net loans and leases to deposits | 34.9005% | 4,354 |
| Net loans and leases to core deposits | 38.2485% | 4,314 |
| Total domestic deposits to total assets | 91.6500% | 609 |
| Equity capital to assets | 8.1759% | 3,124 |
| Core capital (leverage) ratio | 8.7519% | 3,941 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.7317% | 451 |
| Memoranda: | ||
| Average total assets | $69,137,500 | 4,209 |
| Average earning assets | $63,788,500 | 4,199 |
| Average equity | $5,398,500 | 4,314 |
| Average total loans | $22,371,500 | 4,358 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4161% | 3,305 |
| Cost of funding earning assets | 0.2901% | 2,960 |
| Net interest margin | 3.1260% | 3,097 |
| Noninterest income to average assets | 1.3300% | 392 |
| Noninterest expense to average assets | 2.0951% | 3,306 |
| Loan and lease loss provision to assets | 0.1700% | 670 |
| Net operating income to assets | 1.6828% | 554 |
| Return on assets (ROA) | 1.6873% | 525 |
| Pretax return on assets | 1.7608% | 802 |
| Return on Equity (ROE) | 23.7400% | 254 |
| Retained earnings to average equity (ytd only) | 19.6772% | 98 |
| Net charge-offs to loans | 0.0233% | 1,596 |
| Credit loss provision to net charge-offs | 2,200.0000% | 241 |
| Earnings coverage of net charge-offs (x) | 246.8000% | 553 |
| Efficiency ratio | 52.0777% | 3,972 |
| Assets per employee ($millions) | 11.6200% | 438 |
| Cash dividends to net income (ytd only)* | 17.1296% | 3,000 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7355% | 757 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 31.5900% | 4,350 |
| Net loans and leases to deposits | 34.1966% | 4,395 |
| Net loans and leases to core deposits | 37.7095% | 4,336 |
| Total domestic deposits to total assets | 92.3800% | 548 |
| Equity capital to assets | 7.4469% | 3,409 |
| Core capital (leverage) ratio | 8.2321% | 4,291 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.7552% | 493 |
| Memoranda: | ||
| Average total assets | $64,006,000 | 4,292 |
| Average earning assets | $55,150,000 | 4,320 |
| Average equity | $4,548,400 | 4,480 |
| Average total loans | $21,426,200 | 4,390 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1686% | 3,514 |
| Cost of funding earning assets | 0.2319% | 2,908 |
| Net interest margin | 2.9367% | 3,393 |
| Noninterest income to average assets | 0.6300% | 1,585 |
| Noninterest expense to average assets | 2.1306% | 3,129 |
| Loan and lease loss provision to assets | 0.1000% | 1,069 |
| Net operating income to assets | 0.8331% | 3,120 |
| Return on assets (ROA) | 0.8331% | 3,090 |
| Pretax return on assets | 0.8821% | 3,372 |
| Return on Equity (ROE) | 11.8800% | 2,074 |
| Retained earnings to average equity (ytd only) | 6.2601% | 2,649 |
| Net charge-offs to loans | 0.0063% | 1,923 |
| Credit loss provision to net charge-offs | 4,500.0000% | 119 |
| Earnings coverage of net charge-offs (x) | 459.0000% | 341 |
| Efficiency ratio | 68.5401% | 1,950 |
| Assets per employee ($millions) | 8.3161% | 1,164 |
| Cash dividends to net income (ytd only)* | 47.3146% | 1,305 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4474% | 1,459 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 33.5700% | 4,317 |
| Net loans and leases to deposits | 35.9763% | 4,363 |
| Net loans and leases to core deposits | 38.7881% | 4,320 |
| Total domestic deposits to total assets | 93.3100% | 497 |
| Equity capital to assets | 6.5701% | 3,707 |
| Core capital (leverage) ratio | 7.6705% | 4,534 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.8739% | 743 |
| Memoranda: | ||
| Average total assets | $62,577,500 | 4,345 |
| Average earning assets | $52,893,000 | 4,377 |
| Average equity | $4,387,500 | 4,535 |
| Average total loans | $21,179,250 | 4,426 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9284% | 1,058 |
| Cost of funding earning assets | 0.2442% | 2,339 |
| Net interest margin | 3.6842% | 938 |
| Noninterest income to average assets | 0.6334% | 1,600 |
| Noninterest expense to average assets | 2.1743% | 2,934 |
| Loan and lease loss provision to assets | 0.0979% | 1,020 |
| Net operating income to assets | 0.6464% | 3,485 |
| Return on assets (ROA) | 0.6464% | 3,437 |
| Pretax return on assets | 0.6758% | 3,641 |
| Return on Equity (ROE) | 9.0143% | 2,700 |
| Retained earnings to average equity (ytd only) | 1.0471% | 3,985 |
| Net charge-offs to loans | 0.0097% | 1,625 |
| Credit loss provision to net charge-offs | 3,000.0000% | 173 |
| Earnings coverage of net charge-offs (x) | 237.0000% | 485 |
| Efficiency ratio | 73.7542% | 1,535 |
| Assets per employee ($millions) | 6.5210% | 2,298 |
| Cash dividends to net income (ytd only)* | 88.3838% | 491 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4333% | 1,623 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 33.0072% | 4,371 |
| Net loans and leases to deposits | 35.4357% | 4,408 |
| Net loans and leases to core deposits | 36.9568% | 4,406 |
| Total domestic deposits to total assets | 93.1468% | 480 |
| Equity capital to assets | 6.7766% | 3,894 |
| Core capital (leverage) ratio | 7.8486% | 4,416 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.4399% | 665 |
| Memoranda: | ||
| Average total assets | $61,260,333 | 4,400 |
| Average earning assets | $38,488,667 | 4,585 |
| Average equity | $4,393,000 | 4,583 |
| Average total loans | $20,685,333 | 4,494 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7933% | 1,096 |
| Cost of funding earning assets | 0.2536% | 2,116 |
| Net interest margin | 3.5397% | 1,010 |
| Noninterest income to average assets | 0.7017% | 1,315 |
| Noninterest expense to average assets | 2.1860% | 2,879 |
| Loan and lease loss provision to assets | 0.1012% | 821 |
| Net operating income to assets | 0.5533% | 3,546 |
| Return on assets (ROA) | 0.5533% | 3,521 |
| Pretax return on assets | 0.5802% | 3,689 |
| Return on Equity (ROE) | 7.4886% | 2,871 |
| Retained earnings to average equity (ytd only) | -2.1005% | 4,254 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2353% | 1,496 |
| Assets per employee ($millions) | 5.9564% | 2,847 |
| Cash dividends to net income (ytd only)* | 128.0488% | 380 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4841% | 1,604 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 33.3221% | 4,328 |
| Net loans and leases to deposits | 36.0702% | 4,380 |
| Net loans and leases to core deposits | 37.7870% | 4,381 |
| Total domestic deposits to total assets | 92.3813% | 440 |
| Equity capital to assets | 7.5599% | 3,891 |
| Core capital (leverage) ratio | 8.3452% | 4,026 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.0972% | 549 |
| Memoranda: | ||
| Average total assets | $59,285,500 | 4,450 |
| Average earning assets | $36,274,500 | 4,631 |
| Average equity | $4,380,000 | 4,624 |
| Average total loans | $20,109,500 | 4,521 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6910% | 110 |
| Cost of funding earning assets | 0.2956% | 2,446 |
| Net interest margin | 5.3954% | 93 |
| Noninterest income to average assets | 0.7725% | 1,529 |
| Noninterest expense to average assets | 2.5432% | 2,048 |
| Loan and lease loss provision to assets | 0.1147% | 1,095 |
| Net operating income to assets | 1.6081% | 780 |
| Return on assets (ROA) | 1.6081% | 817 |
| Pretax return on assets | 1.7095% | 1,121 |
| Return on Equity (ROE) | 21.3235% | 248 |
| Retained earnings to average equity (ytd only) | 19.1684% | 72 |
| Net charge-offs to loans | 0.1320% | 700 |
| Credit loss provision to net charge-offs | 230.7692% | 1,218 |
| Earnings coverage of net charge-offs (x) | 36.6923% | 1,483 |
| Efficiency ratio | 58.2312% | 3,411 |
| Assets per employee ($millions) | 5.9007% | 2,863 |
| Cash dividends to net income (ytd only)* | 10.1070% | 3,358 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4149% | 1,862 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 33.5350% | 4,390 |
| Net loans and leases to deposits | 36.1960% | 4,467 |
| Net loans and leases to core deposits | 37.5705% | 4,474 |
| Total domestic deposits to total assets | 92.6483% | 77 |
| Equity capital to assets | 7.2144% | 4,676 |
| Core capital (leverage) ratio | 7.3951% | 4,650 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.5298% | 818 |
| Memoranda: | ||
| Average total assets | $52,297,000 | 4,540 |
| Average earning assets | $34,844,200 | 4,668 |
| Average equity | $3,944,000 | 4,708 |
| Average total loans | $19,699,200 | 4,573 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1331% | 78 |
| Cost of funding earning assets | 0.3068% | 2,531 |
| Net interest margin | 5.8262% | 67 |
| Noninterest income to average assets | 0.7902% | 1,556 |
| Noninterest expense to average assets | 2.4707% | 2,204 |
| Loan and lease loss provision to assets | 0.1185% | 1,002 |
| Net operating income to assets | 2.0308% | 440 |
| Return on assets (ROA) | 2.0308% | 464 |
| Pretax return on assets | 2.1519% | 606 |
| Return on Equity (ROE) | 26.5918% | 137 |
| Retained earnings to average equity (ytd only) | 23.6602% | 67 |
| Net charge-offs to loans | 0.0476% | 1,182 |
| Credit loss provision to net charge-offs | 642.8571% | 677 |
| Earnings coverage of net charge-offs (x) | 123.1429% | 761 |
| Efficiency ratio | 52.1111% | 4,021 |
| Assets per employee ($millions) | 5.2610% | 3,444 |
| Cash dividends to net income (ytd only)* | 11.0246% | 2,933 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4328% | 1,876 |
| Loan loss allowance to noncurrent loans | 264.2202% | 2,150 |
| Noncurrent assets plus other real estate owned to assets | 0.2072% | 2,748 |
| Noncurrent loans to loans | 0.5423% | 1,963 |
| Net loans and leases to total assets | 37.6601% | 4,315 |
| Net loans and leases to deposits | 41.0751% | 4,412 |
| Net loans and leases to core deposits | 42.8519% | 4,422 |
| Total domestic deposits to total assets | 91.6860% | 191 |
| Equity capital to assets | 8.0688% | 4,485 |
| Core capital (leverage) ratio | 8.0444% | 4,437 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.4219% | 894 |
| Memoranda: | ||
| Average total assets | $50,619,500 | 4,618 |
| Average earning assets | $34,326,750 | 4,745 |
| Average equity | $3,865,750 | 4,782 |
| Average total loans | $19,606,000 | 4,645 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5408% | 61 |
| Cost of funding earning assets | 0.3098% | 2,679 |
| Net interest margin | 6.2310% | 55 |
| Noninterest income to average assets | 0.7046% | 1,791 |
| Noninterest expense to average assets | 2.4702% | 2,240 |
| Loan and lease loss provision to assets | 0.1201% | 1,053 |
| Net operating income to assets | 2.2540% | 305 |
| Return on assets (ROA) | 2.2540% | 325 |
| Pretax return on assets | 2.3821% | 422 |
| Return on Equity (ROE) | 30.1123% | 94 |
| Retained earnings to average equity (ytd only) | 25.5661% | 64 |
| Net charge-offs to loans | 0.0617% | 998 |
| Credit loss provision to net charge-offs | 500.0000% | 677 |
| Earnings coverage of net charge-offs (x) | 104.1667% | 731 |
| Efficiency ratio | 49.6779% | 4,258 |
| Assets per employee ($millions) | 4.6228% | 3,995 |
| Cash dividends to net income (ytd only)* | 15.0977% | 2,703 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3200% | 2,339 |
| Loan loss allowance to noncurrent loans | 251.3761% | 2,146 |
| Noncurrent assets plus other real estate owned to assets | 0.2144% | 2,867 |
| Noncurrent loans to loans | 0.5251% | 2,104 |
| Net loans and leases to total assets | 40.2804% | 4,278 |
| Net loans and leases to deposits | 43.8298% | 4,388 |
| Net loans and leases to core deposits | 45.7895% | 4,400 |
| Total domestic deposits to total assets | 91.9018% | 144 |
| Equity capital to assets | 7.9585% | 4,559 |
| Core capital (leverage) ratio | 7.8045% | 4,575 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.4991% | 1,036 |
| Memoranda: | ||
| Average total assets | $49,956,000 | 4,653 |
| Average earning assets | $34,216,000 | 4,776 |
| Average equity | $3,739,333 | 4,825 |
| Average total loans | $19,441,000 | 4,678 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9593% | 1,679 |
| Cost of funding earning assets | 0.3073% | 2,916 |
| Net interest margin | 3.6521% | 1,445 |
| Noninterest income to average assets | 0.7352% | 1,761 |
| Noninterest expense to average assets | 2.4723% | 2,254 |
| Loan and lease loss provision to assets | 0.1212% | 1,132 |
| Net operating income to assets | 0.6221% | 3,886 |
| Return on assets (ROA) | 0.6221% | 3,955 |
| Pretax return on assets | 0.6383% | 4,131 |
| Return on Equity (ROE) | 8.5902% | 3,161 |
| Retained earnings to average equity (ytd only) | -0.8925% | 4,454 |
| Net charge-offs to loans | -0.0426% | 4,333 |
| Credit loss provision to net charge-offs | -750.0000% | 3,269 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.5000% | 1,087 |
| Assets per employee ($millions) | 4.5941% | 4,020 |
| Cash dividends to net income (ytd only)* | 110.3896% | 360 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2844% | 2,507 |
| Loan loss allowance to noncurrent loans | 244.9541% | 2,041 |
| Noncurrent assets plus other real estate owned to assets | 0.2157% | 3,071 |
| Noncurrent loans to loans | 0.5243% | 2,285 |
| Net loans and leases to total assets | 40.6075% | 4,311 |
| Net loans and leases to deposits | 43.7203% | 4,434 |
| Net loans and leases to core deposits | 45.1636% | 4,467 |
| Total domestic deposits to total assets | 92.8802% | 41 |
| Equity capital to assets | 7.0486% | 4,836 |
| Core capital (leverage) ratio | 7.1760% | 4,860 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6212% | 2,037 |
| Memoranda: | ||
| Average total assets | $49,508,500 | 4,676 |
| Average earning assets | $33,844,000 | 4,798 |
| Average equity | $3,585,500 | 4,860 |
| Average total loans | $18,783,000 | 4,715 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3006% | 1,870 |
| Cost of funding earning assets | 0.3978% | 3,596 |
| Net interest margin | 3.9028% | 1,205 |
| Noninterest income to average assets | 0.7080% | 1,841 |
| Noninterest expense to average assets | 2.8274% | 1,875 |
| Loan and lease loss provision to assets | 0.1362% | 2,658 |
| Net operating income to assets | 0.7851% | 3,152 |
| Return on assets (ROA) | 0.7851% | 3,270 |
| Pretax return on assets | 0.8169% | 3,591 |
| Return on Equity (ROE) | 10.1057% | 1,966 |
| Retained earnings to average equity (ytd only) | 7.9152% | 1,078 |
| Net charge-offs to loans | 0.0748% | 1,737 |
| Credit loss provision to net charge-offs | 461.5385% | 1,316 |
| Earnings coverage of net charge-offs (x) | 32.3077% | 1,544 |
| Efficiency ratio | 74.7899% | 1,358 |
| Assets per employee ($millions) | 4.4075% | 4,010 |
| Cash dividends to net income (ytd only)* | 21.6763% | 3,170 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4900% | 1,624 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 34.0910% | 4,641 |
| Net loans and leases to deposits | 36.8822% | 4,723 |
| Net loans and leases to core deposits | 38.1594% | 4,734 |
| Total domestic deposits to total assets | 92.4322% | 40 |
| Equity capital to assets | 7.4440% | 4,847 |
| Core capital (leverage) ratio | 7.6081% | 4,808 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1315% | 1,232 |
| Memoranda: | ||
| Average total assets | $44,068,200 | 4,719 |
| Average earning assets | $34,692,600 | 4,785 |
| Average equity | $3,423,800 | 4,888 |
| Average total loans | $17,388,200 | 4,765 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2138% | 2,359 |
| Cost of funding earning assets | 0.4131% | 3,745 |
| Net interest margin | 3.8007% | 1,620 |
| Noninterest income to average assets | 0.7200% | 1,738 |
| Noninterest expense to average assets | 3.0008% | 1,443 |
| Loan and lease loss provision to assets | 0.1396% | 2,621 |
| Net operating income to assets | 0.6858% | 3,502 |
| Return on assets (ROA) | 0.6858% | 3,608 |
| Pretax return on assets | 0.7200% | 3,860 |
| Return on Equity (ROE) | 8.7242% | 2,514 |
| Retained earnings to average equity (ytd only) | 5.7635% | 2,202 |
| Net charge-offs to loans | 0.0532% | 1,843 |
| Credit loss provision to net charge-offs | 642.8571% | 1,125 |
| Earnings coverage of net charge-offs (x) | 39.5714% | 1,366 |
| Efficiency ratio | 77.7331% | 1,059 |
| Assets per employee ($millions) | 4.0569% | 4,277 |
| Cash dividends to net income (ytd only)* | 33.9367% | 2,186 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2253% | 2,529 |
| Loan loss allowance to noncurrent loans | 4,820.0000% | 176 |
| Noncurrent assets plus other real estate owned to assets | 0.0112% | 4,444 |
| Noncurrent loans to loans | 0.0254% | 4,308 |
| Net loans and leases to total assets | 43.5352% | 4,438 |
| Net loans and leases to deposits | 47.3449% | 4,568 |
| Net loans and leases to core deposits | 49.1413% | 4,603 |
| Total domestic deposits to total assets | 91.9531% | 56 |
| Equity capital to assets | 7.8093% | 4,778 |
| Core capital (leverage) ratio | 7.9155% | 4,725 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4124% | 1,688 |
| Memoranda: | ||
| Average total assets | $42,964,750 | 4,756 |
| Average earning assets | $35,501,750 | 4,798 |
| Average equity | $3,377,500 | 4,916 |
| Average total loans | $17,540,750 | 4,791 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0754% | 3,109 |
| Cost of funding earning assets | 0.4325% | 3,884 |
| Net interest margin | 3.6429% | 2,338 |
| Noninterest income to average assets | 0.7168% | 1,681 |
| Noninterest expense to average assets | 3.0841% | 1,388 |
| Loan and lease loss provision to assets | 0.1415% | 2,596 |
| Net operating income to assets | 0.5517% | 3,882 |
| Return on assets (ROA) | 0.5517% | 3,964 |
| Pretax return on assets | 0.5895% | 4,085 |
| Return on Equity (ROE) | 7.0025% | 3,129 |
| Retained earnings to average equity (ytd only) | 2.5137% | 3,573 |
| Net charge-offs to loans | 0.0832% | 1,418 |
| Credit loss provision to net charge-offs | 428.5714% | 1,343 |
| Earnings coverage of net charge-offs (x) | 22.1429% | 1,637 |
| Efficiency ratio | 80.8405% | 829 |
| Assets per employee ($millions) | 3.6746% | 4,570 |
| Cash dividends to net income (ytd only)* | 64.1026% | 1,114 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2426% | 2,294 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 40.7348% | 4,581 |
| Net loans and leases to deposits | 44.2545% | 4,698 |
| Net loans and leases to core deposits | 45.9527% | 4,714 |
| Total domestic deposits to total assets | 92.0467% | 51 |
| Equity capital to assets | 7.6653% | 4,840 |
| Core capital (leverage) ratio | 7.7891% | 4,827 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1015% | 1,228 |
| Memoranda: | ||
| Average total assets | $42,411,000 | 4,783 |
| Average earning assets | $36,070,000 | 4,819 |
| Average equity | $3,341,667 | 4,949 |
| Average total loans | $16,831,333 | 4,832 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0682% | 3,608 |
| Cost of funding earning assets | 0.4735% | 4,053 |
| Net interest margin | 3.5946% | 2,683 |
| Noninterest income to average assets | 0.7121% | 1,609 |
| Noninterest expense to average assets | 3.2332% | 1,357 |
| Loan and lease loss provision to assets | 0.1443% | 1,951 |
| Net operating income to assets | 0.5100% | 3,866 |
| Return on assets (ROA) | 0.5100% | 3,925 |
| Pretax return on assets | 0.5485% | 4,037 |
| Return on Equity (ROE) | 6.3807% | 3,184 |
| Retained earnings to average equity (ytd only) | -2.6486% | 4,318 |
| Net charge-offs to loans | 0.1486% | 864 |
| Credit loss provision to net charge-offs | 250.0000% | 1,279 |
| Earnings coverage of net charge-offs (x) | 12.0000% | 1,708 |
| Efficiency ratio | 82.3529% | 952 |
| Assets per employee ($millions) | 3.3715% | 4,582 |
| Cash dividends to net income (ytd only)* | 141.5094% | 497 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3059% | 2,119 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 39.6016% | 4,678 |
| Net loans and leases to deposits | 43.2000% | 4,782 |
| Net loans and leases to core deposits | 45.0208% | 4,794 |
| Total domestic deposits to total assets | 91.6704% | 59 |
| Equity capital to assets | 8.1838% | 4,933 |
| Core capital (leverage) ratio | 8.1142% | 4,951 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1903% | 1,117 |
| Memoranda: | ||
| Average total assets | $41,569,000 | 4,819 |
| Average earning assets | $37,166,500 | 4,827 |
| Average equity | $3,322,500 | 5,000 |
| Average total loans | $16,153,000 | 4,879 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0123% | 4,234 |
| Cost of funding earning assets | 0.4943% | 4,118 |
| Net interest margin | 3.5180% | 3,394 |
| Noninterest income to average assets | 0.8117% | 1,421 |
| Noninterest expense to average assets | 3.1563% | 1,624 |
| Loan and lease loss provision to assets | 0.1508% | 1,414 |
| Net operating income to assets | 0.6810% | 3,924 |
| Return on assets (ROA) | 0.6810% | 3,991 |
| Pretax return on assets | 0.7061% | 4,201 |
| Return on Equity (ROE) | 8.4857% | 2,946 |
| Retained earnings to average equity (ytd only) | 6.5130% | 1,602 |
| Net charge-offs to loans | 0.0205% | 3,004 |
| Credit loss provision to net charge-offs | 2,000.0000% | 186 |
| Earnings coverage of net charge-offs (x) | 113.6667% | 609 |
| Efficiency ratio | 78.6475% | 1,074 |
| Assets per employee ($millions) | 3.5567% | 4,427 |
| Cash dividends to net income (ytd only)* | 23.2472% | 3,361 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2631% | 2,101 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 37.1813% | 4,814 |
| Net loans and leases to deposits | 40.3966% | 4,899 |
| Net loans and leases to core deposits | 42.0004% | 4,903 |
| Total domestic deposits to total assets | 92.0408% | 36 |
| Equity capital to assets | 7.8116% | 5,077 |
| Core capital (leverage) ratio | 8.4043% | 4,890 |
| Tier 1 risk-based capital ratio | 17.4177% | 1,919 |
| Total risk-based capital ratio | 18.4815% | 1,927 |
| Memoranda: | ||
| Average total assets | $39,794,000 | 4,893 |
| Average earning assets | $36,213,400 | 4,890 |
| Average equity | $3,193,600 | 5,063 |
| Average total loans | $14,620,600 | 4,972 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0196% | 4,322 |
| Cost of funding earning assets | 0.4940% | 4,163 |
| Net interest margin | 3.5256% | 3,487 |
| Noninterest income to average assets | 0.8224% | 1,351 |
| Noninterest expense to average assets | 3.1599% | 1,557 |
| Loan and lease loss provision to assets | 0.1536% | 1,220 |
| Net operating income to assets | 0.6791% | 4,080 |
| Return on assets (ROA) | 0.6791% | 4,144 |
| Pretax return on assets | 0.7234% | 4,290 |
| Return on Equity (ROE) | 8.4005% | 3,156 |
| Retained earnings to average equity (ytd only) | 5.7410% | 2,483 |
| Net charge-offs to loans | 0.0281% | 2,535 |
| Credit loss provision to net charge-offs | 1,500.0000% | 246 |
| Earnings coverage of net charge-offs (x) | 85.6650% | 820 |
| Efficiency ratio | 78.2756% | 1,073 |
| Assets per employee ($millions) | 3.1561% | 4,788 |
| Cash dividends to net income (ytd only)* | 31.6587% | 2,527 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1283% | 2,881 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 43.4980% | 4,709 |
| Net loans and leases to deposits | 47.6858% | 4,828 |
| Net loans and leases to core deposits | 49.8502% | 4,839 |
| Total domestic deposits to total assets | 91.2180% | 80 |
| Equity capital to assets | 8.6104% | 4,961 |
| Core capital (leverage) ratio | 8.4459% | 4,968 |
| Tier 1 risk-based capital ratio | 17.2319% | 2,016 |
| Total risk-based capital ratio | 18.2281% | 2,042 |
| Memoranda: | ||
| Average total assets | $39,072,500 | 4,980 |
| Average earning assets | $35,624,250 | 4,973 |
| Average equity | $3,158,500 | 5,140 |
| Average total loans | $14,257,750 | 5,058 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8734% | 4,598 |
| Cost of funding earning assets | 0.4863% | 4,180 |
| Net interest margin | 3.3871% | 3,932 |
| Noninterest income to average assets | 0.7803% | 1,408 |
| Noninterest expense to average assets | 3.0958% | 1,743 |
| Loan and lease loss provision to assets | 0.1520% | 1,201 |
| Net operating income to assets | 0.5574% | 4,410 |
| Return on assets (ROA) | 0.5574% | 4,442 |
| Pretax return on assets | 0.6030% | 4,539 |
| Return on Equity (ROE) | 7.0415% | 3,662 |
| Retained earnings to average equity (ytd only) | 3.0086% | 3,711 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.3947% | 939 |
| Assets per employee ($millions) | 3.2769% | 4,715 |
| Cash dividends to net income (ytd only)* | 57.2727% | 1,488 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1891% | 2,581 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 37.1920% | 4,939 |
| Net loans and leases to deposits | 40.5203% | 5,038 |
| Net loans and leases to core deposits | 42.2773% | 5,040 |
| Total domestic deposits to total assets | 91.7860% | 48 |
| Equity capital to assets | 8.0640% | 5,163 |
| Core capital (leverage) ratio | 7.9771% | 5,171 |
| Tier 1 risk-based capital ratio | 18.3895% | 1,704 |
| Total risk-based capital ratio | 19.4128% | 1,717 |
| Memoranda: | ||
| Average total assets | $39,472,330 | 5,017 |
| Average earning assets | $35,782,330 | 5,010 |
| Average equity | $3,124,330 | 5,182 |
| Average total loans | $13,456,330 | 5,117 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7263% | 4,809 |
| Cost of funding earning assets | 0.4574% | 4,254 |
| Net interest margin | 3.2689% | 4,234 |
| Noninterest income to average assets | 0.7586% | 1,405 |
| Noninterest expense to average assets | 3.1052% | 1,724 |
| Loan and lease loss provision to assets | 0.1517% | 1,109 |
| Net operating income to assets | 0.4248% | 4,679 |
| Return on assets (ROA) | 0.4248% | 4,690 |
| Pretax return on assets | 0.4653% | 4,752 |
| Return on Equity (ROE) | 5.4176% | 4,214 |
| Retained earnings to average equity (ytd only) | -2.7088% | 4,797 |
| Net charge-offs to loans | -0.0313% | 4,663 |
| Credit loss provision to net charge-offs | -1,500.0000% | 3,999 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.4239% | 755 |
| Assets per employee ($millions) | 3.5575% | 4,510 |
| Cash dividends to net income (ytd only)* | 150.0000% | 325 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2252% | 2,449 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 33.3742% | 5,087 |
| Net loans and leases to deposits | 36.2939% | 5,144 |
| Net loans and leases to core deposits | 38.1514% | 5,138 |
| Total domestic deposits to total assets | 91.9554% | 64 |
| Equity capital to assets | 7.9091% | 5,203 |
| Core capital (leverage) ratio | 7.9361% | 5,222 |
| Tier 1 risk-based capital ratio | 19.9023% | 1,355 |
| Total risk-based capital ratio | 20.9440% | 1,377 |
| Memoranda: | ||
| Average total assets | $39,547,000 | 5,065 |
| Average earning assets | $35,853,000 | 5,064 |
| Average equity | $3,101,000 | 5,237 |
| Average total loans | $12,784,000 | 5,196 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5340% | 4,881 |
| Cost of funding earning assets | 0.3867% | 4,071 |
| Net interest margin | 3.1473% | 4,584 |
| Noninterest income to average assets | 0.8843% | 1,214 |
| Noninterest expense to average assets | 2.9075% | 2,322 |
| Loan and lease loss provision to assets | 0.1601% | 1,284 |
| Net operating income to assets | 0.5559% | 4,534 |
| Return on assets (ROA) | 0.8371% | 3,659 |
| Pretax return on assets | 0.8922% | 3,917 |
| Return on Equity (ROE) | 11.0810% | 2,054 |
| Retained earnings to average equity (ytd only) | 11.0810% | 421 |
| Net charge-offs to loans | 0.0325% | 2,753 |
| Credit loss provision to net charge-offs | 1,525.0000% | 273 |
| Earnings coverage of net charge-offs (x) | 71.7500% | 921 |
| Efficiency ratio | 79.4265% | 1,006 |
| Assets per employee ($millions) | 3.6329% | 4,408 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1826% | 2,661 |
| Loan loss allowance to noncurrent loans | 14,600.0000% | 62 |
| Noncurrent assets plus other real estate owned to assets | 0.0025% | 4,918 |
| Noncurrent loans to loans | 0.0081% | 4,783 |
| Net loans and leases to total assets | 30.5290% | 5,198 |
| Net loans and leases to deposits | 33.1495% | 5,233 |
| Net loans and leases to core deposits | 34.8054% | 5,237 |
| Total domestic deposits to total assets | 92.0950% | 62 |
| Equity capital to assets | 7.7749% | 5,225 |
| Core capital (leverage) ratio | 7.9310% | 5,262 |
| Tier 1 risk-based capital ratio | 20.9761% | 1,155 |
| Total risk-based capital ratio | 21.9589% | 1,169 |
| Memoranda: | ||
| Average total assets | $38,107,800 | 5,128 |
| Average earning assets | $33,616,000 | 5,143 |
| Average equity | $2,878,800 | 5,290 |
| Average total loans | $12,294,800 | 5,246 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4901% | 4,936 |
| Cost of funding earning assets | 0.3482% | 4,192 |
| Net interest margin | 3.1419% | 4,630 |
| Noninterest income to average assets | 0.9103% | 1,170 |
| Noninterest expense to average assets | 2.8299% | 2,531 |
| Loan and lease loss provision to assets | 0.1629% | 1,177 |
| Net operating income to assets | 0.6419% | 4,390 |
| Return on assets (ROA) | 0.8323% | 3,815 |
| Pretax return on assets | 0.8642% | 4,131 |
| Return on Equity (ROE) | 11.1041% | 2,138 |
| Retained earnings to average equity (ytd only) | 11.1041% | 630 |
| Net charge-offs to loans | 0.0326% | 2,438 |
| Credit loss provision to net charge-offs | 1,533.3333% | 263 |
| Earnings coverage of net charge-offs (x) | 77.9975% | 891 |
| Efficiency ratio | 77.3475% | 1,194 |
| Assets per employee ($millions) | 3.3575% | 4,720 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9632% | 3,987 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 36.7476% | 5,114 |
| Net loans and leases to deposits | 40.0602% | 5,204 |
| Net loans and leases to core deposits | 42.2435% | 5,195 |
| Total domestic deposits to total assets | 91.7310% | 105 |
| Equity capital to assets | 8.1634% | 5,103 |
| Core capital (leverage) ratio | 8.2425% | 5,226 |
| Tier 1 risk-based capital ratio | 18.9201% | 1,556 |
| Total risk-based capital ratio | 19.7441% | 1,630 |
| Memoranda: | ||
| Average total assets | $37,644,250 | 5,197 |
| Average earning assets | $32,930,000 | 5,213 |
| Average equity | $2,821,750 | 5,364 |
| Average total loans | $12,282,000 | 5,311 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3334% | 5,112 |
| Cost of funding earning assets | 0.3008% | 4,408 |
| Net interest margin | 3.0326% | 4,831 |
| Noninterest income to average assets | 0.9239% | 1,120 |
| Noninterest expense to average assets | 2.7665% | 2,776 |
| Loan and lease loss provision to assets | 0.1637% | 1,130 |
| Net operating income to assets | 0.6230% | 4,432 |
| Return on assets (ROA) | 0.6230% | 4,433 |
| Pretax return on assets | 0.6547% | 4,628 |
| Return on Equity (ROE) | 8.5590% | 3,226 |
| Retained earnings to average equity (ytd only) | 8.5590% | 1,371 |
| Net charge-offs to loans | 0.0169% | 2,578 |
| Credit loss provision to net charge-offs | 3,100.0000% | 130 |
| Earnings coverage of net charge-offs (x) | 155.0000% | 507 |
| Efficiency ratio | 77.1723% | 1,289 |
| Assets per employee ($millions) | 3.3958% | 4,721 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9049% | 4,316 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 34.8878% | 5,209 |
| Net loans and leases to deposits | 37.8683% | 5,288 |
| Net loans and leases to core deposits | 39.5941% | 5,291 |
| Total domestic deposits to total assets | 92.1294% | 78 |
| Equity capital to assets | 7.7769% | 5,299 |
| Core capital (leverage) ratio | 7.8678% | 5,379 |
| Tier 1 risk-based capital ratio | 19.0048% | 1,550 |
| Total risk-based capital ratio | 19.7809% | 1,632 |
| Memoranda: | ||
| Average total assets | $37,881,330 | 5,254 |
| Average earning assets | $33,239,330 | 5,273 |
| Average equity | $2,757,330 | 5,431 |
| Average total loans | $11,808,000 | 5,377 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2149% | 5,218 |
| Cost of funding earning assets | 0.2769% | 4,532 |
| Net interest margin | 2.9379% | 4,974 |
| Noninterest income to average assets | 0.7970% | 1,464 |
| Noninterest expense to average assets | 2.7789% | 2,776 |
| Loan and lease loss provision to assets | 0.1153% | 1,639 |
| Net operating income to assets | 0.4614% | 4,788 |
| Return on assets (ROA) | 0.4614% | 4,792 |
| Pretax return on assets | 0.4614% | 4,943 |
| Return on Equity (ROE) | 6.5586% | 3,959 |
| Retained earnings to average equity (ytd only) | 6.5586% | 2,472 |
| Net charge-offs to loans | 0.0359% | 1,804 |
| Credit loss provision to net charge-offs | 1,100.0000% | 320 |
| Earnings coverage of net charge-offs (x) | 55.0000% | 889 |
| Efficiency ratio | 82.8125% | 876 |
| Assets per employee ($millions) | 3.3849% | 4,808 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8862% | 4,503 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 29.7363% | 5,370 |
| Net loans and leases to deposits | 32.2076% | 5,415 |
| Net loans and leases to core deposits | 33.6770% | 5,415 |
| Total domestic deposits to total assets | 92.3269% | 75 |
| Equity capital to assets | 7.5979% | 5,390 |
| Core capital (leverage) ratio | 7.6038% | 5,488 |
| Tier 1 risk-based capital ratio | 20.4890% | 1,265 |
| Total risk-based capital ratio | 21.2029% | 1,322 |
| Memoranda: | ||
| Average total assets | $38,145,000 | 5,306 |
| Average earning assets | $33,220,500 | 5,332 |
| Average equity | $2,683,500 | 5,494 |
| Average total loans | $11,136,500 | 5,449 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1310% | 5,255 |
| Cost of funding earning assets | 0.2585% | 4,497 |
| Net interest margin | 2.8725% | 5,078 |
| Noninterest income to average assets | 0.8329% | 1,455 |
| Noninterest expense to average assets | 3.0127% | 2,143 |
| Loan and lease loss provision to assets | 0.0649% | 2,916 |
| Net operating income to assets | 0.2344% | 5,040 |
| Return on assets (ROA) | -0.4715% | 5,526 |
| Pretax return on assets | -0.4715% | 5,545 |
| Return on Equity (ROE) | -6.5306% | 5,563 |
| Retained earnings to average equity (ytd only) | -6.5306% | 5,477 |
| Net charge-offs to loans | 0.0394% | 3,013 |
| Credit loss provision to net charge-offs | 575.0000% | 558 |
| Earnings coverage of net charge-offs (x) | 26.5000% | 1,673 |
| Efficiency ratio | 90.9633% | 381 |
| Assets per employee ($millions) | 3.5505% | 4,635 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8017% | 4,823 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 28.1980% | 5,462 |
| Net loans and leases to deposits | 30.1800% | 5,512 |
| Net loans and leases to core deposits | 31.4738% | 5,513 |
| Total domestic deposits to total assets | 93.4325% | 22 |
| Equity capital to assets | 6.4984% | 5,615 |
| Core capital (leverage) ratio | 6.4979% | 5,621 |
| Tier 1 risk-based capital ratio | 18.2072% | 1,740 |
| Total risk-based capital ratio | 18.8434% | 1,868 |
| Memoranda: | ||
| Average total assets | $35,417,000 | 5,404 |
| Average earning assets | $30,565,400 | 5,432 |
| Average equity | $2,557,200 | 5,566 |
| Average total loans | $10,143,600 | 5,539 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1123% | 5,324 |
| Cost of funding earning assets | 0.2646% | 4,441 |
| Net interest margin | 2.8477% | 5,160 |
| Noninterest income to average assets | 0.8771% | 1,347 |
| Noninterest expense to average assets | 3.1258% | 1,735 |
| Loan and lease loss provision to assets | 0.0541% | 3,011 |
| Net operating income to assets | 0.1507% | 5,398 |
| Return on assets (ROA) | 0.1507% | 5,407 |
| Pretax return on assets | 0.1507% | 5,420 |
| Return on Equity (ROE) | 2.0297% | 5,304 |
| Retained earnings to average equity (ytd only) | 2.0297% | 4,627 |
| Net charge-offs to loans | 0.0404% | 2,631 |
| Credit loss provision to net charge-offs | 466.6667% | 687 |
| Earnings coverage of net charge-offs (x) | 17.6650% | 2,091 |
| Efficiency ratio | 93.8515% | 291 |
| Assets per employee ($millions) | 3.2672% | 4,996 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7088% | 5,122 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 31.5702% | 5,466 |
| Net loans and leases to deposits | 34.0077% | 5,528 |
| Net loans and leases to core deposits | 35.0586% | 5,538 |
| Total domestic deposits to total assets | 92.8323% | 29 |
| Equity capital to assets | 7.0954% | 5,657 |
| Core capital (leverage) ratio | 7.6353% | 5,603 |
| Tier 1 risk-based capital ratio | 18.8261% | 1,639 |
| Total risk-based capital ratio | 19.3802% | 1,778 |
| Memoranda: | ||
| Average total assets | $34,507,250 | 5,486 |
| Average earning assets | $29,731,000 | 5,502 |
| Average equity | $2,562,000 | 5,627 |
| Average total loans | $9,904,000 | 5,603 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0023% | 5,436 |
| Cost of funding earning assets | 0.2625% | 4,441 |
| Net interest margin | 2.7397% | 5,320 |
| Noninterest income to average assets | 0.8816% | 1,324 |
| Noninterest expense to average assets | 3.1384% | 1,742 |
| Loan and lease loss provision to assets | 0.0294% | 3,411 |
| Net operating income to assets | 0.1058% | 5,486 |
| Return on assets (ROA) | 0.1058% | 5,490 |
| Pretax return on assets | 0.1058% | 5,507 |
| Return on Equity (ROE) | 1.4030% | 5,428 |
| Retained earnings to average equity (ytd only) | 1.4030% | 4,688 |
| Net charge-offs to loans | 0.1064% | 1,565 |
| Credit loss provision to net charge-offs | 100.0000% | 2,001 |
| Earnings coverage of net charge-offs (x) | 4.6000% | 2,905 |
| Efficiency ratio | 95.8707% | 266 |
| Assets per employee ($millions) | 3.0186% | 5,253 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6551% | 5,289 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 31.9681% | 5,500 |
| Net loans and leases to deposits | 34.6431% | 5,563 |
| Net loans and leases to core deposits | 35.8119% | 5,570 |
| Total domestic deposits to total assets | 92.2783% | 53 |
| Equity capital to assets | 7.6735% | 5,626 |
| Core capital (leverage) ratio | 8.1995% | 5,429 |
| Tier 1 risk-based capital ratio | 19.7584% | 1,419 |
| Total risk-based capital ratio | 20.2648% | 1,538 |
| Memoranda: | ||
| Average total assets | $34,030,000 | 5,538 |
| Average earning assets | $29,711,000 | 5,549 |
| Average equity | $2,566,000 | 5,676 |
| Average total loans | $9,396,330 | 5,657 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8074% | 5,597 |
| Cost of funding earning assets | 0.2674% | 4,382 |
| Net interest margin | 2.5400% | 5,513 |
| Noninterest income to average assets | 0.8826% | 1,296 |
| Noninterest expense to average assets | 3.1937% | 1,627 |
| Loan and lease loss provision to assets | 0.0116% | 3,416 |
| Net operating income to assets | -0.1161% | 5,656 |
| Return on assets (ROA) | -0.1161% | 5,660 |
| Pretax return on assets | -0.1161% | 5,649 |
| Return on Equity (ROE) | -1.5534% | 5,670 |
| Retained earnings to average equity (ytd only) | -1.5534% | 5,131 |
| Net charge-offs to loans | -0.0457% | 5,142 |
| Credit loss provision to net charge-offs | -100.0000% | 3,937 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.3835% | 184 |
| Assets per employee ($millions) | 3.1054% | 5,265 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7705% | 5,146 |
| Loan loss allowance to noncurrent loans | 51.0638% | 4,616 |
| Noncurrent assets plus other real estate owned to assets | 0.4128% | 3,532 |
| Noncurrent loans to loans | 1.5088% | 1,320 |
| Net loans and leases to total assets | 27.1466% | 5,646 |
| Net loans and leases to deposits | 29.3710% | 5,685 |
| Net loans and leases to core deposits | 30.3317% | 5,690 |
| Total domestic deposits to total assets | 92.4266% | 68 |
| Equity capital to assets | 7.5266% | 5,675 |
| Core capital (leverage) ratio | 7.9917% | 5,563 |
| Tier 1 risk-based capital ratio | 21.2629% | 1,182 |
| Total risk-based capital ratio | 21.8290% | 1,259 |
| Memoranda: | ||
| Average total assets | $34,442,500 | 5,590 |
| Average earning assets | $29,921,000 | 5,612 |
| Average equity | $2,575,000 | 5,735 |
| Average total loans | $8,752,000 | 5,737 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6448% | 5,712 |
| Cost of funding earning assets | 0.2711% | 4,355 |
| Net interest margin | 2.3737% | 5,665 |
| Noninterest income to average assets | 0.9138% | 1,364 |
| Noninterest expense to average assets | 2.8352% | 2,904 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.0170% | 5,628 |
| Return on assets (ROA) | 0.0454% | 5,637 |
| Pretax return on assets | 0.0454% | 5,632 |
| Return on Equity (ROE) | 0.6170% | 5,612 |
| Retained earnings to average equity (ytd only) | 0.6170% | 5,082 |
| Net charge-offs to loans | 0.0400% | 3,225 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 2.0000% | 3,904 |
| Efficiency ratio | 99.4030% | 230 |
| Assets per employee ($millions) | 2.8938% | 5,431 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8579% | 4,937 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 23.2938% | 5,770 |
| Net loans and leases to deposits | 25.1790% | 5,794 |
| Net loans and leases to core deposits | 25.9879% | 5,794 |
| Total domestic deposits to total assets | 92.5128% | 64 |
| Equity capital to assets | 7.4267% | 5,726 |
| Core capital (leverage) ratio | 7.4259% | 5,765 |
| Tier 1 risk-based capital ratio | 22.6771% | 1,001 |
| Total risk-based capital ratio | 23.2620% | 1,051 |
| Memoranda: | ||
| Average total assets | $35,236,000 | 5,632 |
| Average earning assets | $28,773,200 | 5,679 |
| Average equity | $2,593,200 | 5,793 |
| Average total loans | $7,498,000 | 5,823 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6346% | 5,786 |
| Cost of funding earning assets | 0.2751% | 4,337 |
| Net interest margin | 2.3595% | 5,742 |
| Noninterest income to average assets | 0.8973% | 1,415 |
| Noninterest expense to average assets | 2.7410% | 3,212 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.0641% | 5,667 |
| Return on assets (ROA) | 0.1018% | 5,672 |
| Pretax return on assets | 0.1018% | 5,677 |
| Return on Equity (ROE) | 1.3863% | 5,581 |
| Retained earnings to average equity (ytd only) | 1.3863% | 4,954 |
| Net charge-offs to loans | 0.0181% | 3,355 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 17.0451% | 2,079 |
| Efficiency ratio | 97.7151% | 269 |
| Assets per employee ($millions) | 3.1876% | 5,198 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8912% | 4,902 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 22.8354% | 5,838 |
| Net loans and leases to deposits | 24.7061% | 5,864 |
| Net loans and leases to core deposits | 25.4927% | 5,867 |
| Total domestic deposits to total assets | 92.4281% | 52 |
| Equity capital to assets | 7.5091% | 5,841 |
| Core capital (leverage) ratio | 7.6904% | 5,790 |
| Tier 1 risk-based capital ratio | 24.0321% | 901 |
| Total risk-based capital ratio | 24.6671% | 937 |
| Memoranda: | ||
| Average total assets | $35,363,500 | 5,689 |
| Average earning assets | $28,593,000 | 5,743 |
| Average equity | $2,596,750 | 5,855 |
| Average total loans | $7,332,750 | 5,889 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5642% | 5,884 |
| Cost of funding earning assets | 0.2670% | 4,480 |
| Net interest margin | 2.2973% | 5,863 |
| Noninterest income to average assets | 0.8741% | 1,458 |
| Noninterest expense to average assets | 2.6788% | 3,457 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.0395% | 5,733 |
| Return on assets (ROA) | 0.0959% | 5,714 |
| Pretax return on assets | 0.0959% | 5,728 |
| Return on Equity (ROE) | 1.3154% | 5,639 |
| Retained earnings to average equity (ytd only) | 1.3154% | 4,857 |
| Net charge-offs to loans | 0.0565% | 2,385 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 3.5000% | 3,100 |
| Efficiency ratio | 98.5477% | 271 |
| Assets per employee ($millions) | 3.2817% | 5,096 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9641% | 4,704 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 20.2028% | 5,938 |
| Net loans and leases to deposits | 21.7923% | 5,963 |
| Net loans and leases to core deposits | 22.4635% | 5,963 |
| Total domestic deposits to total assets | 92.7062% | 39 |
| Equity capital to assets | 7.2357% | 5,947 |
| Core capital (leverage) ratio | 7.6496% | 5,846 |
| Tier 1 risk-based capital ratio | 25.0623% | 802 |
| Total risk-based capital ratio | 25.7180% | 845 |
| Memoranda: | ||
| Average total assets | $35,463,330 | 5,753 |
| Average earning assets | $28,468,670 | 5,814 |
| Average equity | $2,584,670 | 5,929 |
| Average total loans | $7,084,000 | 5,971 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4894% | 5,966 |
| Cost of funding earning assets | 0.2672% | 4,529 |
| Net interest margin | 2.2221% | 5,955 |
| Noninterest income to average assets | 0.8764% | 1,369 |
| Noninterest expense to average assets | 2.7543% | 3,228 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | -0.0797% | 5,836 |
| Return on assets (ROA) | 0.0341% | 5,792 |
| Pretax return on assets | 0.0341% | 5,790 |
| Return on Equity (ROE) | 0.4667% | 5,773 |
| Retained earnings to average equity (ytd only) | 0.4667% | 5,000 |
| Net charge-offs to loans | 0.0576% | 1,941 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | -7.0000% | 3,051 |
| Efficiency ratio | 102.9787% | 227 |
| Assets per employee ($millions) | 3.1563% | 5,334 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0003% | 4,611 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 20.5248% | 5,988 |
| Net loans and leases to deposits | 22.1835% | 6,012 |
| Net loans and leases to core deposits | 22.8963% | 6,012 |
| Total domestic deposits to total assets | 92.5228% | 63 |
| Equity capital to assets | 7.4167% | 5,962 |
| Core capital (leverage) ratio | 7.6602% | 5,885 |
| Tier 1 risk-based capital ratio | 25.5293% | 770 |
| Total risk-based capital ratio | 26.2098% | 803 |
| Memoranda: | ||
| Average total assets | $35,145,500 | 5,817 |
| Average earning assets | $28,441,000 | 5,872 |
| Average equity | $2,571,000 | 5,986 |
| Average total loans | $6,944,000 | 6,034 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0134% | 5,715 |
| Cost of funding earning assets | 0.2631% | 4,665 |
| Net interest margin | 2.7503% | 5,592 |
| Noninterest income to average assets | 0.5993% | 2,720 |
| Noninterest expense to average assets | 2.7214% | 3,512 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.1737% | 5,637 |
| Return on assets (ROA) | 0.1737% | 5,686 |
| Pretax return on assets | 0.1476% | 5,755 |
| Return on Equity (ROE) | 2.3114% | 5,499 |
| Retained earnings to average equity (ytd only) | 2.3114% | 4,416 |
| Net charge-offs to loans | 0.1062% | 2,329 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 7.2857% | 3,097 |
| Efficiency ratio | 94.8537% | 444 |
| Assets per employee ($millions) | 3.2338% | 5,254 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0912% | 4,092 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 18.6017% | 6,068 |
| Net loans and leases to deposits | 20.0722% | 6,094 |
| Net loans and leases to core deposits | 20.7001% | 6,089 |
| Total domestic deposits to total assets | 92.6740% | 58 |
| Equity capital to assets | 7.2163% | 6,026 |
| Core capital (leverage) ratio | 7.5350% | 5,970 |
| Tier 1 risk-based capital ratio | 24.0182% | 927 |
| Total risk-based capital ratio | 24.6683% | 955 |
| Memoranda: | ||
| Average total assets | $34,541,200 | 5,878 |
| Average earning assets | $28,506,400 | 5,930 |
| Average equity | $2,595,800 | 6,043 |
| Average total loans | $6,590,800 | 6,093 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9887% | 5,818 |
| Cost of funding earning assets | 0.2631% | 4,742 |
| Net interest margin | 2.7255% | 5,693 |
| Noninterest income to average assets | 0.4511% | 3,707 |
| Noninterest expense to average assets | 2.6484% | 3,725 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.0933% | 5,856 |
| Return on assets (ROA) | 0.0933% | 5,894 |
| Pretax return on assets | 0.0583% | 5,926 |
| Return on Equity (ROE) | 1.2294% | 5,824 |
| Retained earnings to average equity (ytd only) | 1.2294% | 5,232 |
| Net charge-offs to loans | 0.1218% | 1,906 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 2.5000% | 3,664 |
| Efficiency ratio | 97.8448% | 360 |
| Assets per employee ($millions) | 3.0512% | 5,488 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0424% | 4,515 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 20.9308% | 6,125 |
| Net loans and leases to deposits | 22.7287% | 6,150 |
| Net loans and leases to core deposits | 23.4887% | 6,153 |
| Total domestic deposits to total assets | 92.0895% | 92 |
| Equity capital to assets | 7.6304% | 6,049 |
| Core capital (leverage) ratio | 7.4937% | 6,057 |
| Tier 1 risk-based capital ratio | 23.6239% | 986 |
| Total risk-based capital ratio | 24.2809% | 1,031 |
| Memoranda: | ||
| Average total assets | $34,283,500 | 5,963 |
| Average earning assets | $28,373,000 | 6,011 |
| Average equity | $2,603,000 | 6,126 |
| Average total loans | $6,566,000 | 6,179 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8841% | 5,960 |
| Cost of funding earning assets | 0.2635% | 4,794 |
| Net interest margin | 2.6206% | 5,866 |
| Noninterest income to average assets | 0.4113% | 3,997 |
| Noninterest expense to average assets | 2.6475% | 3,750 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | -0.0521% | 6,027 |
| Return on assets (ROA) | -0.0521% | 6,057 |
| Pretax return on assets | -0.1043% | 6,069 |
| Return on Equity (ROE) | -0.6878% | 6,066 |
| Retained earnings to average equity (ytd only) | -0.6878% | 5,643 |
| Net charge-offs to loans | 0.0939% | 2,085 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | -6.0000% | 3,827 |
| Efficiency ratio | 104.1002% | 248 |
| Assets per employee ($millions) | 4.0469% | 3,783 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1567% | 4,047 |
| Loan loss allowance to noncurrent loans | 3,850.0000% | 162 |
| Noncurrent assets plus other real estate owned to assets | 0.0055% | 5,883 |
| Noncurrent loans to loans | 0.0300% | 5,634 |
| Net loans and leases to total assets | 18.0660% | 6,231 |
| Net loans and leases to deposits | 19.5003% | 6,258 |
| Net loans and leases to core deposits | 20.0959% | 6,252 |
| Total domestic deposits to total assets | 92.6446% | 71 |
| Equity capital to assets | 7.0946% | 6,178 |
| Core capital (leverage) ratio | 7.5661% | 6,082 |
| Tier 1 risk-based capital ratio | 22.9060% | 1,098 |
| Total risk-based capital ratio | 23.5771% | 1,141 |
| Memoranda: | ||
| Average total assets | $34,523,670 | 6,026 |
| Average earning assets | $28,085,000 | 6,085 |
| Average equity | $2,617,000 | 6,191 |
| Average total loans | $6,388,330 | 6,252 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8171% | 6,059 |
| Cost of funding earning assets | 0.2759% | 4,714 |
| Net interest margin | 2.5412% | 5,973 |
| Noninterest income to average assets | 0.4051% | 3,966 |
| Noninterest expense to average assets | 2.7878% | 3,289 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | -0.1906% | 6,141 |
| Return on assets (ROA) | -0.1906% | 6,164 |
| Pretax return on assets | -0.2978% | 6,189 |
| Return on Equity (ROE) | -2.4302% | 6,191 |
| Retained earnings to average equity (ytd only) | -2.4302% | 5,734 |
| Net charge-offs to loans | 0.1279% | 1,491 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | -12.5000% | 3,252 |
| Efficiency ratio | 111.9617% | 181 |
| Assets per employee ($millions) | 4.6441% | 2,839 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2532% | 3,672 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 18.9055% | 6,281 |
| Net loans and leases to deposits | 20.6152% | 6,301 |
| Net loans and leases to core deposits | 20.6152% | 6,307 |
| Total domestic deposits to total assets | 91.7069% | 191 |
| Equity capital to assets | 8.0532% | 6,006 |
| Core capital (leverage) ratio | 7.7200% | 6,059 |
| Tier 1 risk-based capital ratio | 21.6065% | 1,301 |
| Total risk-based capital ratio | 22.2497% | 1,401 |
| Memoranda: | ||
| Average total assets | $33,574,500 | 6,109 |
| Average earning assets | $27,546,500 | 6,150 |
| Average equity | $2,633,500 | 6,253 |
| Average total loans | $6,254,000 | 6,325 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6563% | 4,914 |
| Cost of funding earning assets | 0.2994% | 4,806 |
| Net interest margin | 3.3569% | 4,383 |
| Noninterest income to average assets | 0.4352% | 3,930 |
| Noninterest expense to average assets | 2.7963% | 3,494 |
| Loan and lease loss provision to assets | -0.0298% | 5,966 |
| Net operating income to assets | 0.0313% | 6,053 |
| Return on assets (ROA) | 0.1461% | 5,928 |
| Pretax return on assets | 0.1908% | 5,886 |
| Return on Equity (ROE) | 1.8475% | 5,807 |
| Retained earnings to average equity (ytd only) | 1.8475% | 4,879 |
| Net charge-offs to loans | 0.0303% | 4,220 |
| Credit loss provision to net charge-offs | -500.0000% | 5,787 |
| Earnings coverage of net charge-offs (x) | 2.0000% | 4,276 |
| Efficiency ratio | 92.5690% | 673 |
| Assets per employee ($millions) | 3.1491% | 5,508 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2731% | 3,580 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 17.9099% | 6,394 |
| Net loans and leases to deposits | 19.4538% | 6,408 |
| Net loans and leases to core deposits | 19.4538% | 6,410 |
| Total domestic deposits to total assets | 92.0641% | 142 |
| Equity capital to assets | 7.6472% | 6,192 |
| Core capital (leverage) ratio | 7.6112% | 6,168 |
| Tier 1 risk-based capital ratio | 21.2358% | 1,353 |
| Total risk-based capital ratio | 21.8803% | 1,457 |
| Memoranda: | ||
| Average total assets | $33,544,200 | 6,187 |
| Average earning assets | $23,712,600 | 6,299 |
| Average equity | $2,652,200 | 6,325 |
| Average total loans | $6,599,400 | 6,404 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8476% | 4,377 |
| Cost of funding earning assets | 0.3076% | 4,812 |
| Net interest margin | 3.5400% | 3,672 |
| Noninterest income to average assets | 0.4368% | 3,980 |
| Noninterest expense to average assets | 2.8694% | 3,234 |
| Loan and lease loss provision to assets | -0.0401% | 6,153 |
| Net operating income to assets | 0.0421% | 6,100 |
| Return on assets (ROA) | 0.2084% | 5,887 |
| Pretax return on assets | 0.2525% | 5,860 |
| Return on Equity (ROE) | 2.6133% | 5,676 |
| Retained earnings to average equity (ytd only) | 2.6133% | 4,728 |
| Net charge-offs to loans | -0.0199% | 5,610 |
| Credit loss provision to net charge-offs | 1,000.0000% | 325 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.4033% | 819 |
| Assets per employee ($millions) | 3.2343% | 5,363 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1127% | 4,695 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 22.8056% | 6,407 |
| Net loans and leases to deposits | 24.9383% | 6,438 |
| Net loans and leases to core deposits | 24.9383% | 6,444 |
| Total domestic deposits to total assets | 91.4479% | 246 |
| Equity capital to assets | 8.2553% | 5,975 |
| Core capital (leverage) ratio | 7.9149% | 6,122 |
| Tier 1 risk-based capital ratio | 20.5447% | 1,541 |
| Total risk-based capital ratio | 21.1907% | 1,658 |
| Memoranda: | ||
| Average total assets | $33,270,250 | 6,268 |
| Average earning assets | $22,974,750 | 6,391 |
| Average equity | $2,653,000 | 6,397 |
| Average total loans | $6,678,250 | 6,475 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9756% | 3,837 |
| Cost of funding earning assets | 0.3231% | 4,724 |
| Net interest margin | 3.6525% | 3,131 |
| Noninterest income to average assets | 0.4288% | 4,034 |
| Noninterest expense to average assets | 2.8768% | 3,250 |
| Loan and lease loss provision to assets | -0.0596% | 6,312 |
| Net operating income to assets | 0.0301% | 6,158 |
| Return on assets (ROA) | 0.2680% | 5,745 |
| Pretax return on assets | 0.3157% | 5,754 |
| Return on Equity (ROE) | 3.3997% | 5,382 |
| Retained earnings to average equity (ytd only) | 3.3997% | 4,039 |
| Net charge-offs to loans | -0.1558% | 6,278 |
| Credit loss provision to net charge-offs | 200.0000% | 1,157 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.3967% | 888 |
| Assets per employee ($millions) | 3.1207% | 5,564 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3579% | 3,550 |
| Loan loss allowance to noncurrent loans | 2,900.0000% | 201 |
| Noncurrent assets plus other real estate owned to assets | 0.0087% | 6,224 |
| Noncurrent loans to loans | 0.0468% | 5,910 |
| Net loans and leases to total assets | 18.4106% | 6,533 |
| Net loans and leases to deposits | 20.0260% | 6,555 |
| Net loans and leases to core deposits | 20.0260% | 6,554 |
| Total domestic deposits to total assets | 91.9337% | 180 |
| Equity capital to assets | 7.7954% | 6,258 |
| Core capital (leverage) ratio | 7.8241% | 6,197 |
| Tier 1 risk-based capital ratio | 21.1326% | 1,422 |
| Total risk-based capital ratio | 21.8354% | 1,521 |
| Memoranda: | ||
| Average total assets | $33,579,330 | 6,317 |
| Average earning assets | $22,286,000 | 6,470 |
| Average equity | $2,647,330 | 6,453 |
| Average total loans | $6,418,000 | 6,547 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7933% | 4,511 |
| Cost of funding earning assets | 0.3206% | 4,856 |
| Net interest margin | 3.4728% | 3,811 |
| Noninterest income to average assets | 0.4698% | 3,631 |
| Noninterest expense to average assets | 2.8670% | 3,323 |
| Loan and lease loss provision to assets | -0.1205% | 6,512 |
| Net operating income to assets | 0.0241% | 6,178 |
| Return on assets (ROA) | 0.0241% | 6,195 |
| Pretax return on assets | 0.0723% | 6,120 |
| Return on Equity (ROE) | 0.3038% | 6,182 |
| Retained earnings to average equity (ytd only) | 0.3038% | 5,449 |
| Net charge-offs to loans | -0.1868% | 6,360 |
| Credit loss provision to net charge-offs | 333.3333% | 740 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.0256% | 952 |
| Assets per employee ($millions) | 2.9201% | 5,955 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2908% | 4,171 |
| Loan loss allowance to noncurrent loans | 1,700.0000% | 333 |
| Noncurrent assets plus other real estate owned to assets | 0.0156% | 6,271 |
| Noncurrent loans to loans | 0.0759% | 5,911 |
| Net loans and leases to total assets | 20.2360% | 6,571 |
| Net loans and leases to deposits | 22.1269% | 6,597 |
| Net loans and leases to core deposits | 22.1269% | 6,601 |
| Total domestic deposits to total assets | 91.4542% | 394 |
| Equity capital to assets | 8.2625% | 5,857 |
| Core capital (leverage) ratio | 7.6015% | 6,303 |
| Tier 1 risk-based capital ratio | 21.0748% | 1,461 |
| Total risk-based capital ratio | 21.7776% | 1,549 |
| Memoranda: | ||
| Average total assets | $33,205,000 | 6,391 |
| Average earning assets | $22,460,500 | 6,536 |
| Average equity | $2,633,000 | 6,516 |
| Average total loans | $6,423,500 | 6,615 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3046% | 2,943 |
| Cost of funding earning assets | 0.3506% | 5,129 |
| Net interest margin | 3.9539% | 2,091 |
| Noninterest income to average assets | 0.7921% | 2,112 |
| Noninterest expense to average assets | 3.3021% | 2,146 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.0911% | 6,066 |
| Return on assets (ROA) | 0.0911% | 6,118 |
| Pretax return on assets | 0.0911% | 6,103 |
| Return on Equity (ROE) | 1.1453% | 6,058 |
| Retained earnings to average equity (ytd only) | 1.1453% | 5,316 |
| Net charge-offs to loans | -0.0151% | 6,089 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.4615% | 1,168 |
| Assets per employee ($millions) | 3.1172% | 5,642 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4692% | 3,335 |
| Loan loss allowance to noncurrent loans | 9,200.0000% | 84 |
| Noncurrent assets plus other real estate owned to assets | 0.0029% | 6,439 |
| Noncurrent loans to loans | 0.0160% | 6,224 |
| Net loans and leases to total assets | 17.9941% | 6,691 |
| Net loans and leases to deposits | 19.5389% | 6,709 |
| Net loans and leases to core deposits | 19.5389% | 6,708 |
| Total domestic deposits to total assets | 92.0937% | 261 |
| Equity capital to assets | 7.6176% | 6,226 |
| Core capital (leverage) ratio | 7.0286% | 6,523 |
| Tier 1 risk-based capital ratio | 20.4841% | 1,543 |
| Total risk-based capital ratio | 21.2313% | 1,630 |
| Memoranda: | ||
| Average total assets | $32,948,400 | 6,464 |
| Average earning assets | $21,674,600 | 6,624 |
| Average equity | $2,619,400 | 6,601 |
| Average total loans | $6,603,800 | 6,699 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3608% | 2,731 |
| Cost of funding earning assets | 0.3531% | 5,265 |
| Net interest margin | 4.0078% | 1,916 |
| Noninterest income to average assets | 0.9403% | 1,634 |
| Noninterest expense to average assets | 3.5404% | 1,522 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.0000% | 6,297 |
| Return on assets (ROA) | 0.0000% | 6,342 |
| Pretax return on assets | 0.0450% | 6,266 |
| Return on Equity (ROE) | 0.0000% | 6,343 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,931 |
| Net charge-offs to loans | -0.0797% | 6,444 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.1938% | 974 |
| Assets per employee ($millions) | 2.8437% | 6,087 |
| Cash dividends to net income (ytd only)* | NA | NA |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3226% | 4,276 |
| Loan loss allowance to noncurrent loans | 1,055.5556% | 449 |
| Noncurrent assets plus other real estate owned to assets | 0.0264% | 6,399 |
| Noncurrent loans to loans | 0.1253% | 5,948 |
| Net loans and leases to total assets | 20.7713% | 6,739 |
| Net loans and leases to deposits | 22.5697% | 6,770 |
| Net loans and leases to core deposits | 22.5697% | 6,772 |
| Total domestic deposits to total assets | 92.0320% | 244 |
| Equity capital to assets | 7.6134% | 6,346 |
| Core capital (leverage) ratio | 6.9468% | 6,594 |
| Tier 1 risk-based capital ratio | 19.2584% | 1,918 |
| Total risk-based capital ratio | 20.0000% | 2,034 |
| Memoranda: | ||
| Average total assets | $32,613,250 | 6,543 |
| Average earning assets | $21,524,500 | 6,700 |
| Average equity | $2,621,250 | 6,678 |
| Average total loans | $6,689,250 | 6,775 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4196% | 2,493 |
| Cost of funding earning assets | 0.3643% | 5,278 |
| Net interest margin | 4.0553% | 1,675 |
| Noninterest income to average assets | 1.2333% | 1,023 |
| Noninterest expense to average assets | 3.7185% | 1,223 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.0997% | 6,135 |
| Return on assets (ROA) | 0.0997% | 6,221 |
| Pretax return on assets | 0.1495% | 6,159 |
| Return on Equity (ROE) | 1.2172% | 6,165 |
| Retained earnings to average equity (ytd only) | 1.2172% | 5,414 |
| Net charge-offs to loans | -0.0613% | 6,335 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.0837% | 1,213 |
| Assets per employee ($millions) | 2.7171% | 6,274 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3208% | 4,396 |
| Loan loss allowance to noncurrent loans | 1,550.0000% | 330 |
| Noncurrent assets plus other real estate owned to assets | 0.0170% | 6,491 |
| Noncurrent loans to loans | 0.0852% | 6,140 |
| Net loans and leases to total assets | 19.6705% | 6,799 |
| Net loans and leases to deposits | 21.3063% | 6,827 |
| Net loans and leases to core deposits | 21.3063% | 6,830 |
| Total domestic deposits to total assets | 92.3221% | 208 |
| Equity capital to assets | 7.3382% | 6,499 |
| Core capital (leverage) ratio | 6.9899% | 6,617 |
| Tier 1 risk-based capital ratio | 18.9690% | 2,004 |
| Total risk-based capital ratio | 19.6867% | 2,124 |
| Memoranda: | ||
| Average total assets | $32,109,670 | 6,600 |
| Average earning assets | $20,861,670 | 6,762 |
| Average equity | $2,629,000 | 6,726 |
| Average total loans | $6,524,670 | 6,823 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5788% | 1,898 |
| Cost of funding earning assets | 0.3832% | 5,253 |
| Net interest margin | 4.1956% | 1,197 |
| Noninterest income to average assets | 1.4162% | 761 |
| Noninterest expense to average assets | 4.1438% | 761 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -0.0525% | 6,404 |
| Return on assets (ROA) | -0.0525% | 6,457 |
| Pretax return on assets | 0.0000% | 6,408 |
| Return on Equity (ROE) | -0.6043% | 6,470 |
| Retained earnings to average equity (ytd only) | -0.6043% | 5,897 |
| Net charge-offs to loans | -0.0638% | 6,238 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.0886% | 972 |
| Assets per employee ($millions) | 2.2076% | 6,764 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4699% | 3,933 |
| Loan loss allowance to noncurrent loans | 3,066.6667% | 191 |
| Noncurrent assets plus other real estate owned to assets | 0.0097% | 6,597 |
| Noncurrent loans to loans | 0.0479% | 6,340 |
| Net loans and leases to total assets | 19.9541% | 6,857 |
| Net loans and leases to deposits | 21.9115% | 6,887 |
| Net loans and leases to core deposits | 21.9115% | 6,889 |
| Total domestic deposits to total assets | 91.0665% | 500 |
| Equity capital to assets | 8.5420% | 5,979 |
| Core capital (leverage) ratio | 7.6479% | 6,387 |
| Tier 1 risk-based capital ratio | 20.9972% | 1,536 |
| Total risk-based capital ratio | 21.7978% | 1,613 |
| Memoranda: | ||
| Average total assets | $30,503,500 | 6,695 |
| Average earning assets | $19,830,500 | 6,856 |
| Average equity | $2,647,500 | 6,791 |
| Average total loans | $6,266,500 | 6,906 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0215% | 260 |
| Cost of funding earning assets | 0.5459% | 4,851 |
| Net interest margin | 5.4756% | 176 |
| Noninterest income to average assets | 1.3490% | 847 |
| Noninterest expense to average assets | 3.8134% | 1,232 |
| Loan and lease loss provision to assets | 0.0167% | 5,693 |
| Net operating income to assets | 0.6879% | 3,794 |
| Return on assets (ROA) | 0.6879% | 4,054 |
| Pretax return on assets | 0.7346% | 4,543 |
| Return on Equity (ROE) | 8.1993% | 3,004 |
| Retained earnings to average equity (ytd only) | 8.1993% | 1,060 |
| Net charge-offs to loans | 0.2730% | 3,294 |
| Credit loss provision to net charge-offs | 25.0000% | 5,201 |
| Earnings coverage of net charge-offs (x) | 11.2500% | 2,057 |
| Efficiency ratio | 76.2985% | 2,697 |
| Assets per employee ($millions) | 2.1501% | 6,859 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4504% | 3,941 |
| Loan loss allowance to noncurrent loans | 267.6471% | 1,434 |
| Noncurrent assets plus other real estate owned to assets | 0.1130% | 6,296 |
| Noncurrent loans to loans | 0.5419% | 5,173 |
| Net loans and leases to total assets | 20.5408% | 6,920 |
| Net loans and leases to deposits | 22.6285% | 6,946 |
| Net loans and leases to core deposits | 22.6285% | 6,954 |
| Total domestic deposits to total assets | 90.7744% | 580 |
| Equity capital to assets | 8.8203% | 5,726 |
| Core capital (leverage) ratio | 7.8871% | 6,293 |
| Tier 1 risk-based capital ratio | 21.3210% | 1,393 |
| Total risk-based capital ratio | 22.1321% | 1,460 |
| Memoranda: | ||
| Average total assets | $29,947,000 | 6,755 |
| Average earning assets | $17,587,000 | 6,943 |
| Average equity | $2,512,400 | 6,877 |
| Average total loans | $7,326,800 | 6,940 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1104% | 248 |
| Cost of funding earning assets | 0.5700% | 4,911 |
| Net interest margin | 5.5405% | 163 |
| Noninterest income to average assets | 0.9941% | 1,516 |
| Noninterest expense to average assets | 3.7491% | 1,291 |
| Loan and lease loss provision to assets | 0.0223% | 5,518 |
| Net operating income to assets | 0.4235% | 5,145 |
| Return on assets (ROA) | 0.4235% | 5,386 |
| Pretax return on assets | 0.4725% | 5,535 |
| Return on Equity (ROE) | 5.1140% | 4,773 |
| Retained earnings to average equity (ytd only) | 5.1140% | 3,285 |
| Net charge-offs to loans | 0.2635% | 3,142 |
| Credit loss provision to net charge-offs | 33.3333% | 4,741 |
| Earnings coverage of net charge-offs (x) | 7.4000% | 2,609 |
| Efficiency ratio | 80.5672% | 2,008 |
| Assets per employee ($millions) | 2.0724% | 6,975 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3573% | 4,547 |
| Loan loss allowance to noncurrent loans | 355.5556% | 1,049 |
| Noncurrent assets plus other real estate owned to assets | 0.0931% | 6,502 |
| Noncurrent loans to loans | 0.3817% | 5,707 |
| Net loans and leases to total assets | 24.0478% | 6,969 |
| Net loans and leases to deposits | 26.4170% | 7,006 |
| Net loans and leases to core deposits | 26.4170% | 7,013 |
| Total domestic deposits to total assets | 91.0316% | 404 |
| Equity capital to assets | 8.7823% | 6,033 |
| Core capital (leverage) ratio | 7.7462% | 6,495 |
| Tier 1 risk-based capital ratio | 19.7601% | 1,819 |
| Total risk-based capital ratio | 20.6006% | 1,880 |
| Memoranda: | ||
| Average total assets | $29,908,500 | 6,842 |
| Average earning assets | $17,543,250 | 7,039 |
| Average equity | $2,476,750 | 6,974 |
| Average total loans | $7,590,000 | 7,023 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2064% | 216 |
| Cost of funding earning assets | 0.6392% | 4,538 |
| Net interest margin | 5.5672% | 164 |
| Noninterest income to average assets | 0.7548% | 2,398 |
| Noninterest expense to average assets | 3.6945% | 1,385 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.1788% | 5,983 |
| Return on assets (ROA) | 0.1788% | 6,156 |
| Pretax return on assets | 0.2317% | 6,092 |
| Return on Equity (ROE) | 2.2014% | 5,985 |
| Retained earnings to average equity (ytd only) | 2.2014% | 5,090 |
| Net charge-offs to loans | 0.1804% | 3,513 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 5.0000% | 2,934 |
| Efficiency ratio | 85.6661% | 1,465 |
| Assets per employee ($millions) | 2.0039% | 7,053 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3633% | 4,597 |
| Loan loss allowance to noncurrent loans | 550.0000% | 665 |
| Noncurrent assets plus other real estate owned to assets | 0.0599% | 6,662 |
| Noncurrent loans to loans | 0.2479% | 6,082 |
| Net loans and leases to total assets | 23.8306% | 7,040 |
| Net loans and leases to deposits | 26.0189% | 7,070 |
| Net loans and leases to core deposits | 26.0189% | 7,082 |
| Total domestic deposits to total assets | 91.5896% | 296 |
| Equity capital to assets | 8.2274% | 6,430 |
| Core capital (leverage) ratio | 7.0055% | 6,819 |
| Tier 1 risk-based capital ratio | 18.5385% | 2,119 |
| Total risk-based capital ratio | 19.3866% | 2,220 |
| Memoranda: | ||
| Average total assets | $30,207,000 | 6,886 |
| Average earning assets | $17,208,000 | 7,105 |
| Average equity | $2,453,000 | 7,022 |
| Average total loans | $7,762,330 | 7,077 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3601% | 192 |
| Cost of funding earning assets | 0.6771% | 4,491 |
| Net interest margin | 5.6830% | 143 |
| Noninterest income to average assets | 0.8586% | 1,914 |
| Noninterest expense to average assets | 3.7118% | 1,361 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.1981% | 5,995 |
| Return on assets (ROA) | 0.1981% | 6,138 |
| Pretax return on assets | 0.2510% | 6,083 |
| Return on Equity (ROE) | 2.4560% | 5,921 |
| Retained earnings to average equity (ytd only) | 2.4560% | 5,034 |
| Net charge-offs to loans | 0.1997% | 2,922 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 4.7500% | 2,508 |
| Efficiency ratio | 85.3333% | 1,546 |
| Assets per employee ($millions) | 2.1441% | 7,073 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2229% | 5,384 |
| Loan loss allowance to noncurrent loans | 231.8182% | 1,430 |
| Noncurrent assets plus other real estate owned to assets | 0.1466% | 6,519 |
| Noncurrent loans to loans | 0.5275% | 5,612 |
| Net loans and leases to total assets | 27.4478% | 6,994 |
| Net loans and leases to deposits | 29.9469% | 7,058 |
| Net loans and leases to core deposits | 31.8711% | 7,041 |
| Total domestic deposits to total assets | 91.6547% | 337 |
| Equity capital to assets | 8.1554% | 6,407 |
| Core capital (leverage) ratio | 6.8551% | 6,893 |
| Tier 1 risk-based capital ratio | 17.0010% | 2,682 |
| Total risk-based capital ratio | 17.8163% | 2,841 |
| Memoranda: | ||
| Average total assets | $30,281,500 | 6,939 |
| Average earning assets | $16,540,500 | 7,181 |
| Average equity | $2,443,000 | 7,078 |
| Average total loans | $8,012,500 | 7,135 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2929% | 260 |
| Cost of funding earning assets | 0.8068% | 4,818 |
| Net interest margin | 5.4861% | 180 |
| Noninterest income to average assets | 1.0853% | 1,127 |
| Noninterest expense to average assets | 4.1011% | 907 |
| Loan and lease loss provision to assets | 0.1009% | 5,327 |
| Net operating income to assets | 0.2644% | 5,390 |
| Return on assets (ROA) | 0.2644% | 5,533 |
| Pretax return on assets | 0.3131% | 5,524 |
| Return on Equity (ROE) | 3.2065% | 5,195 |
| Retained earnings to average equity (ytd only) | 3.2065% | 3,939 |
| Net charge-offs to loans | 0.3415% | 3,694 |
| Credit loss provision to net charge-offs | 103.5714% | 3,333 |
| Earnings coverage of net charge-offs (x) | 4.2500% | 3,202 |
| Efficiency ratio | 83.2049% | 1,858 |
| Assets per employee ($millions) | 2.5455% | 6,790 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3795% | 4,560 |
| Loan loss allowance to noncurrent loans | 145.2055% | 2,192 |
| Noncurrent assets plus other real estate owned to assets | 0.2390% | 6,373 |
| Noncurrent loans to loans | 0.9500% | 4,805 |
| Net loans and leases to total assets | 24.8085% | 7,146 |
| Net loans and leases to deposits | 27.0122% | 7,179 |
| Net loans and leases to core deposits | 29.0400% | 7,166 |
| Total domestic deposits to total assets | 91.8418% | 259 |
| Equity capital to assets | 7.9814% | 6,582 |
| Core capital (leverage) ratio | 6.9653% | 6,876 |
| Tier 1 risk-based capital ratio | 17.2851% | 2,476 |
| Total risk-based capital ratio | 18.1630% | 2,601 |
| Memoranda: | ||
| Average total assets | $28,748,400 | 7,002 |
| Average earning assets | $17,972,600 | 7,185 |
| Average equity | $2,370,200 | 7,148 |
| Average total loans | $8,199,400 | 7,175 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2967% | 271 |
| Cost of funding earning assets | 0.8162% | 5,043 |
| Net interest margin | 5.4805% | 179 |
| Noninterest income to average assets | 1.1685% | 964 |
| Noninterest expense to average assets | 4.2309% | 773 |
| Loan and lease loss provision to assets | 0.0424% | 5,908 |
| Net operating income to assets | 0.3863% | 5,056 |
| Return on assets (ROA) | 0.3863% | 5,243 |
| Pretax return on assets | 0.4382% | 5,346 |
| Return on Equity (ROE) | 4.6459% | 4,698 |
| Retained earnings to average equity (ytd only) | 4.6459% | 3,415 |
| Net charge-offs to loans | 0.1761% | 4,397 |
| Credit loss provision to net charge-offs | 81.8182% | 4,084 |
| Earnings coverage of net charge-offs (x) | 9.2706% | 2,073 |
| Efficiency ratio | 82.3000% | 1,931 |
| Assets per employee ($millions) | 2.0594% | 7,214 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2291% | 5,349 |
| Loan loss allowance to noncurrent loans | 97.1698% | 3,033 |
| Noncurrent assets plus other real estate owned to assets | 0.3677% | 6,157 |
| Noncurrent loans to loans | 1.2649% | 4,420 |
| Net loans and leases to total assets | 28.7087% | 7,129 |
| Net loans and leases to deposits | 31.4476% | 7,185 |
| Net loans and leases to core deposits | 36.2026% | 7,114 |
| Total domestic deposits to total assets | 91.2906% | 348 |
| Equity capital to assets | 8.5047% | 6,287 |
| Core capital (leverage) ratio | 7.3302% | 6,842 |
| Tier 1 risk-based capital ratio | 16.5242% | 2,852 |
| Total risk-based capital ratio | 17.3472% | 3,033 |
| Memoranda: | ||
| Average total assets | $28,299,000 | 7,086 |
| Average earning assets | $18,294,750 | 7,253 |
| Average equity | $2,353,250 | 7,220 |
| Average total loans | $8,328,250 | 7,241 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0983% | 386 |
| Cost of funding earning assets | 0.8001% | 5,367 |
| Net interest margin | 5.2982% | 244 |
| Noninterest income to average assets | 1.1379% | 1,003 |
| Noninterest expense to average assets | 4.4307% | 647 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.1422% | 5,904 |
| Return on assets (ROA) | 0.1422% | 6,001 |
| Pretax return on assets | 0.1920% | 5,945 |
| Return on Equity (ROE) | 1.7239% | 5,882 |
| Retained earnings to average equity (ytd only) | 1.7239% | 5,132 |
| Net charge-offs to loans | -0.0481% | 7,022 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.1538% | 1,401 |
| Assets per employee ($millions) | 1.9752% | 7,308 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2764% | 5,167 |
| Loan loss allowance to noncurrent loans | 122.9885% | 2,386 |
| Noncurrent assets plus other real estate owned to assets | 0.3146% | 6,344 |
| Noncurrent loans to loans | 1.0378% | 4,920 |
| Net loans and leases to total assets | 29.9280% | 7,180 |
| Net loans and leases to deposits | 32.8035% | 7,255 |
| Net loans and leases to core deposits | 38.9001% | 7,146 |
| Total domestic deposits to total assets | 91.2342% | 414 |
| Equity capital to assets | 8.5524% | 6,123 |
| Core capital (leverage) ratio | 7.3278% | 6,850 |
| Tier 1 risk-based capital ratio | 16.2444% | 2,862 |
| Total risk-based capital ratio | 17.1218% | 3,019 |
| Memoranda: | ||
| Average total assets | $28,121,670 | 7,157 |
| Average earning assets | $18,497,000 | 7,316 |
| Average equity | $2,320,330 | 7,287 |
| Average total loans | $8,311,000 | 7,309 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1711% | 346 |
| Cost of funding earning assets | 0.8126% | 5,515 |
| Net interest margin | 5.3585% | 203 |
| Noninterest income to average assets | 1.0298% | 1,244 |
| Noninterest expense to average assets | 4.2601% | 753 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.1552% | 5,924 |
| Return on assets (ROA) | 0.1552% | 5,983 |
| Pretax return on assets | 0.2116% | 5,912 |
| Return on Equity (ROE) | 1.9147% | 5,818 |
| Retained earnings to average equity (ytd only) | 1.9147% | 4,975 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.3817% | 1,585 |
| Assets per employee ($millions) | 1.9313% | 7,388 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3010% | 5,122 |
| Loan loss allowance to noncurrent loans | 198.1132% | 1,494 |
| Noncurrent assets plus other real estate owned to assets | 0.1960% | 6,668 |
| Noncurrent loans to loans | 0.6567% | 5,718 |
| Net loans and leases to total assets | 29.4622% | 7,241 |
| Net loans and leases to deposits | 32.2758% | 7,314 |
| Net loans and leases to core deposits | 35.8345% | 7,266 |
| Total domestic deposits to total assets | 91.2826% | 492 |
| Equity capital to assets | 8.5028% | 5,899 |
| Core capital (leverage) ratio | 6.9086% | 7,042 |
| Tier 1 risk-based capital ratio | 16.4962% | 2,664 |
| Total risk-based capital ratio | 17.3840% | 2,812 |
| Memoranda: | ||
| Average total assets | $28,356,000 | 7,203 |
| Average earning assets | $18,214,000 | 7,379 |
| Average equity | $2,298,000 | 7,338 |
| Average total loans | $8,275,000 | 7,369 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3017% | 464 |
| Cost of funding earning assets | 1.0166% | 5,606 |
| Net interest margin | 5.2851% | 247 |
| Noninterest income to average assets | 0.6185% | 3,349 |
| Noninterest expense to average assets | 4.1259% | 995 |
| Loan and lease loss provision to assets | 0.0185% | 6,926 |
| Net operating income to assets | 0.1963% | 5,273 |
| Return on assets (ROA) | 0.1963% | 5,449 |
| Pretax return on assets | 0.2481% | 5,362 |
| Return on Equity (ROE) | 2.3346% | 5,245 |
| Retained earnings to average equity (ytd only) | 2.3346% | 4,243 |
| Net charge-offs to loans | 0.1031% | 5,832 |
| Credit loss provision to net charge-offs | 55.5556% | 6,168 |
| Earnings coverage of net charge-offs (x) | 8.0000% | 2,032 |
| Efficiency ratio | 85.5818% | 1,736 |
| Assets per employee ($millions) | 2.2826% | 7,231 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2384% | 5,330 |
| Loan loss allowance to noncurrent loans | 552.6316% | 592 |
| Noncurrent assets plus other real estate owned to assets | 0.0640% | 7,069 |
| Noncurrent loans to loans | 0.2241% | 6,613 |
| Net loans and leases to total assets | 28.2200% | 7,397 |
| Net loans and leases to deposits | 30.6527% | 7,450 |
| Net loans and leases to core deposits | 33.6697% | 7,427 |
| Total domestic deposits to total assets | 92.0638% | 268 |
| Equity capital to assets | 7.7408% | 6,716 |
| Core capital (leverage) ratio | 7.1573% | 6,937 |
| Tier 1 risk-based capital ratio | 15.0516% | 3,214 |
| Total risk-based capital ratio | 15.8781% | 3,427 |
| Memoranda: | ||
| Average total assets | $27,000,200 | 7,291 |
| Average earning assets | $19,280,600 | 7,419 |
| Average equity | $2,270,200 | 7,457 |
| Average total loans | $8,729,200 | 7,435 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2886% | 522 |
| Cost of funding earning assets | 1.0628% | 5,636 |
| Net interest margin | 5.2259% | 273 |
| Noninterest income to average assets | 0.5469% | 3,814 |
| Noninterest expense to average assets | 4.1976% | 834 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.2025% | 5,504 |
| Return on assets (ROA) | 0.2025% | 5,661 |
| Pretax return on assets | 0.2582% | 5,593 |
| Return on Equity (ROE) | 2.3561% | 5,474 |
| Retained earnings to average equity (ytd only) | 2.3561% | 4,755 |
| Net charge-offs to loans | 0.0910% | 5,610 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 8.5000% | 2,151 |
| Efficiency ratio | 85.7955% | 1,656 |
| Assets per employee ($millions) | 1.9221% | 7,544 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1142% | 5,880 |
| Loan loss allowance to noncurrent loans | 1,716.6667% | 227 |
| Noncurrent assets plus other real estate owned to assets | 0.0240% | 7,301 |
| Noncurrent loans to loans | 0.0649% | 7,075 |
| Net loans and leases to total assets | 36.5830% | 7,240 |
| Net loans and leases to deposits | 40.4165% | 7,359 |
| Net loans and leases to core deposits | 45.3175% | 7,281 |
| Total domestic deposits to total assets | 90.5151% | 633 |
| Equity capital to assets | 9.2568% | 5,217 |
| Core capital (leverage) ratio | 7.2981% | 7,009 |
| Tier 1 risk-based capital ratio | 15.2049% | 3,155 |
| Total risk-based capital ratio | 16.0406% | 3,329 |
| Memoranda: | ||
| Average total assets | $26,331,750 | 7,400 |
| Average earning assets | $19,696,500 | 7,505 |
| Average equity | $2,263,500 | 7,553 |
| Average total loans | $8,791,750 | 7,531 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2385% | 583 |
| Cost of funding earning assets | 1.1370% | 5,476 |
| Net interest margin | 5.1015% | 338 |
| Noninterest income to average assets | 0.5302% | 3,877 |
| Noninterest expense to average assets | 4.0702% | 960 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.1942% | 5,583 |
| Return on assets (ROA) | 0.1942% | 5,707 |
| Pretax return on assets | 0.2465% | 5,668 |
| Return on Equity (ROE) | 2.3142% | 5,539 |
| Retained earnings to average equity (ytd only) | 2.3142% | 4,685 |
| Net charge-offs to loans | 0.0463% | 5,742 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 16.5000% | 1,399 |
| Efficiency ratio | 85.6401% | 1,759 |
| Assets per employee ($millions) | 1.9937% | 7,576 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1010% | 5,934 |
| Loan loss allowance to noncurrent loans | 668.7500% | 495 |
| Noncurrent assets plus other real estate owned to assets | 0.0617% | 7,236 |
| Noncurrent loans to loans | 0.1646% | 6,932 |
| Net loans and leases to total assets | 37.0823% | 7,314 |
| Net loans and leases to deposits | 40.7816% | 7,425 |
| Net loans and leases to core deposits | 45.4980% | 7,371 |
| Total domestic deposits to total assets | 90.9291% | 515 |
| Equity capital to assets | 8.8587% | 5,660 |
| Core capital (leverage) ratio | 6.9886% | 7,199 |
| Tier 1 risk-based capital ratio | 14.3069% | 3,534 |
| Total risk-based capital ratio | 15.1411% | 3,770 |
| Memoranda: | ||
| Average total assets | $26,780,000 | 7,447 |
| Average earning assets | $19,876,670 | 7,557 |
| Average equity | $2,247,000 | 7,619 |
| Average total loans | $8,641,000 | 7,599 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1002% | 777 |
| Cost of funding earning assets | 1.2241% | 5,262 |
| Net interest margin | 4.8761% | 554 |
| Noninterest income to average assets | 0.4557% | 4,416 |
| Noninterest expense to average assets | 4.2630% | 752 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | -0.3528% | 6,716 |
| Return on assets (ROA) | -0.3528% | 6,762 |
| Pretax return on assets | -0.2940% | 6,633 |
| Return on Equity (ROE) | -4.3195% | 6,844 |
| Retained earnings to average equity (ytd only) | -4.3195% | 6,535 |
| Net charge-offs to loans | 0.0494% | 4,910 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | -20.0000% | 5,580 |
| Efficiency ratio | 98.1481% | 916 |
| Assets per employee ($millions) | 2.5331% | 7,150 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3048% | 4,907 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 29.3174% | 7,642 |
| Net loans and leases to deposits | 31.9052% | 7,697 |
| Net loans and leases to core deposits | 36.1396% | 7,650 |
| Total domestic deposits to total assets | 91.8892% | 265 |
| Equity capital to assets | 7.9027% | 6,752 |
| Core capital (leverage) ratio | 6.8143% | 7,348 |
| Tier 1 risk-based capital ratio | 14.5539% | 3,352 |
| Total risk-based capital ratio | 15.4470% | 3,511 |
| Memoranda: | ||
| Average total assets | $27,211,000 | 7,529 |
| Average earning assets | $19,606,000 | 7,666 |
| Average equity | $2,222,500 | 7,709 |
| Average total loans | $8,102,500 | 7,724 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4446% | 4,467 |
| Cost of funding earning assets | 1.3229% | 6,227 |
| Net interest margin | 4.1217% | 2,360 |
| Noninterest income to average assets | 0.5216% | 4,248 |
| Noninterest expense to average assets | 4.2837% | 1,008 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | -0.2646% | 5,914 |
| Return on assets (ROA) | -0.2646% | 5,918 |
| Pretax return on assets | -0.2493% | 5,766 |
| Return on Equity (ROE) | -3.0160% | 5,987 |
| Retained earnings to average equity (ytd only) | -3.0160% | 5,703 |
| Net charge-offs to loans | 0.2201% | 5,245 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | -3.8235% | 7,079 |
| Efficiency ratio | 96.1027% | 1,312 |
| Assets per employee ($millions) | 2.0429% | 7,704 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3749% | 4,368 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 29.4412% | 7,723 |
| Net loans and leases to deposits | 32.2327% | 7,782 |
| Net loans and leases to core deposits | 40.9672% | 7,749 |
| Total domestic deposits to total assets | 91.3397% | 423 |
| Equity capital to assets | 8.4457% | 5,980 |
| Core capital (leverage) ratio | 7.1781% | 7,090 |
| Tier 1 risk-based capital ratio | 14.5372% | 3,182 |
| Total risk-based capital ratio | 15.4380% | 3,345 |
| Memoranda: | ||
| Average total assets | $26,075,800 | 7,605 |
| Average earning assets | $22,224,000 | 7,646 |
| Average equity | $2,287,800 | 7,774 |
| Average total loans | $7,724,400 | 7,793 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2913% | 5,474 |
| Cost of funding earning assets | 1.3461% | 6,409 |
| Net interest margin | 3.9451% | 3,062 |
| Noninterest income to average assets | 0.5702% | 3,922 |
| Noninterest expense to average assets | 4.2996% | 913 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | -0.3082% | 6,212 |
| Return on assets (ROA) | -0.3082% | 6,225 |
| Pretax return on assets | -0.2517% | 6,042 |
| Return on Equity (ROE) | -3.4798% | 6,294 |
| Retained earnings to average equity (ytd only) | -3.4798% | 6,027 |
| Net charge-offs to loans | 0.1912% | 4,872 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | -4.4533% | 6,845 |
| Efficiency ratio | 96.1929% | 1,264 |
| Assets per employee ($millions) | 1.6359% | 7,956 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4356% | 3,760 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 34.7727% | 7,663 |
| Net loans and leases to deposits | 38.7260% | 7,767 |
| Net loans and leases to core deposits | 49.7906% | 7,691 |
| Total domestic deposits to total assets | 89.7917% | 848 |
| Equity capital to assets | 9.9332% | 4,168 |
| Core capital (leverage) ratio | 7.4377% | 7,045 |
| Tier 1 risk-based capital ratio | 15.6778% | 2,745 |
| Total risk-based capital ratio | 16.7206% | 2,782 |
| Memoranda: | ||
| Average total assets | $25,955,250 | 7,682 |
| Average earning assets | $22,879,750 | 7,696 |
| Average equity | $2,299,000 | 7,844 |
| Average total loans | $7,673,500 | 7,872 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9234% | 6,979 |
| Cost of funding earning assets | 1.3481% | 6,658 |
| Net interest margin | 3.5753% | 4,467 |
| Noninterest income to average assets | 0.5487% | 4,049 |
| Noninterest expense to average assets | 4.0115% | 1,301 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | -0.3485% | 6,391 |
| Return on assets (ROA) | -0.3485% | 6,401 |
| Pretax return on assets | -0.2966% | 6,236 |
| Return on Equity (ROE) | -4.0746% | 6,484 |
| Retained earnings to average equity (ytd only) | -4.0746% | 6,150 |
| Net charge-offs to loans | 0.1857% | 4,408 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | -5.7143% | 6,474 |
| Efficiency ratio | 97.8044% | 1,273 |
| Assets per employee ($millions) | 2.0070% | 7,849 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4233% | 3,609 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 31.5894% | 7,857 |
| Net loans and leases to deposits | 34.7119% | 7,924 |
| Net loans and leases to core deposits | 47.1537% | 7,816 |
| Total domestic deposits to total assets | 91.0046% | 449 |
| Equity capital to assets | 8.7233% | 5,720 |
| Core capital (leverage) ratio | 6.7943% | 7,658 |
| Tier 1 risk-based capital ratio | 12.6230% | 4,425 |
| Total risk-based capital ratio | 13.4903% | 4,642 |
| Memoranda: | ||
| Average total assets | $26,972,670 | 7,726 |
| Average earning assets | $23,886,000 | 7,723 |
| Average equity | $2,307,000 | 7,925 |
| Average total loans | $7,538,000 | 7,964 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2567% | 7,873 |
| Cost of funding earning assets | 1.4244% | 6,650 |
| Net interest margin | 2.8324% | 6,922 |
| Noninterest income to average assets | 0.2626% | 6,355 |
| Noninterest expense to average assets | 3.8813% | 1,331 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | -1.1527% | 7,334 |
| Return on assets (ROA) | -1.1527% | 7,345 |
| Pretax return on assets | -1.0944% | 7,194 |
| Return on Equity (ROE) | -13.6060% | 7,547 |
| Retained earnings to average equity (ytd only) | -13.6060% | 7,359 |
| Net charge-offs to loans | 0.1684% | 3,621 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | -25.0000% | 5,674 |
| Efficiency ratio | 126.1780% | 545 |
| Assets per employee ($millions) | 2.4510% | 7,375 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6193% | 2,448 |
| Loan loss allowance to noncurrent loans | 820.0000% | 465 |
| Noncurrent assets plus other real estate owned to assets | 0.0510% | 7,447 |
| Noncurrent loans to loans | 0.1975% | 6,966 |
| Net loans and leases to total assets | 25.4080% | 8,015 |
| Net loans and leases to deposits | 27.6031% | 8,065 |
| Net loans and leases to core deposits | 36.1311% | 8,026 |
| Total domestic deposits to total assets | 92.0475% | 179 |
| Equity capital to assets | 7.7179% | 7,164 |
| Core capital (leverage) ratio | 6.5640% | 7,850 |
| Tier 1 risk-based capital ratio | 9.6581% | 7,287 |
| Total risk-based capital ratio | 10.3673% | 7,735 |
| Memoranda: | ||
| Average total assets | $27,413,500 | 7,752 |
| Average earning assets | $24,432,000 | 7,746 |
| Average equity | $2,322,500 | 7,974 |
| Average total loans | $7,126,500 | 8,028 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8944% | 6,061 |
| Cost of funding earning assets | 1.9488% | 6,576 |
| Net interest margin | 3.9455% | 3,385 |
| Noninterest income to average assets | 0.0801% | 7,743 |
| Noninterest expense to average assets | 3.5558% | 2,248 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | -0.0633% | 6,460 |
| Return on assets (ROA) | -0.0633% | 6,310 |
| Pretax return on assets | 0.0000% | 6,153 |
| Return on Equity (ROE) | -0.6274% | 6,310 |
| Retained earnings to average equity (ytd only) | -3.3041% | 6,178 |
| Net charge-offs to loans | -0.0942% | 8,083 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.4425% | 1,563 |
| Assets per employee ($millions) | 1.9550% | 7,949 |
| Cash dividends to net income (ytd only)* | -426.6667% | 8,250 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8927% | 1,436 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 25.6974% | 8,075 |
| Net loans and leases to deposits | 28.4315% | 8,132 |
| Net loans and leases to core deposits | 39.0400% | 8,068 |
| Total domestic deposits to total assets | 90.3836% | 526 |
| Equity capital to assets | 9.3449% | 4,877 |
| Core capital (leverage) ratio | 7.0128% | 7,683 |
| Tier 1 risk-based capital ratio | 12.7366% | 4,266 |
| Total risk-based capital ratio | 13.6648% | 4,395 |
| Memoranda: | ||
| Average total assets | $23,708,000 | 7,886 |
| Average earning assets | $20,884,400 | 7,899 |
| Average equity | $2,391,000 | 8,026 |
| Average total loans | $6,369,400 | 8,109 |