Home > Bank of Glen Ullin > Performance and Condition Ratios
Bank of Glen Ullin, Performance and Condition Ratios
| 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 | 6.0926% | 96 |
| Cost of funding earning assets | 1.1729% | 409 |
| Net interest margin | 4.9197% | 160 |
| Noninterest income to average assets | 0.0805% | 4,821 |
| Noninterest expense to average assets | 2.0298% | 4,089 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 2.6188% | 128 |
| Return on assets (ROA) | 2.6188% | 134 |
| Pretax return on assets | 2.6188% | 178 |
| Return on Equity (ROE) | 22.6640% | 161 |
| Retained earnings to average equity (ytd only) | 9.2783% | 917 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.6645% | 4,801 |
| Assets per employee ($millions) | 7.3067% | 1,322 |
| Cash dividends to net income (ytd only)* | 59.0615% | 1,156 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8498% | 4,226 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 82.1457% | 419 |
| Net loans and leases to deposits | 93.1989% | 993 |
| Net loans and leases to core deposits | 95.7444% | 1,476 |
| Total domestic deposits to total assets | 88.1402% | 1,152 |
| Equity capital to assets | 11.6651% | 1,901 |
| Core capital (leverage) ratio | 10.6377% | 2,158 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7786% | 2,694 |
| Memoranda: | ||
| Average total assets | $62,928,750 | 4,487 |
| Average earning assets | $58,430,000 | 4,475 |
| Average equity | $7,271,250 | 4,518 |
| Average total loans | $53,244,500 | 4,062 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9323% | 156 |
| Cost of funding earning assets | 1.2347% | 456 |
| Net interest margin | 4.6976% | 342 |
| Noninterest income to average assets | 0.0839% | 4,824 |
| Noninterest expense to average assets | 1.8101% | 4,546 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 2.6684% | 113 |
| Return on assets (ROA) | 2.6684% | 119 |
| Pretax return on assets | 2.6684% | 163 |
| Return on Equity (ROE) | 23.1718% | 141 |
| Retained earnings to average equity (ytd only) | 6.9207% | 1,696 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.4179% | 4,905 |
| Assets per employee ($millions) | 7.1381% | 1,369 |
| Cash dividends to net income (ytd only)* | 70.1330% | 941 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8378% | 4,233 |
| Loan loss allowance to noncurrent loans | 40.9011% | 4,218 |
| Noncurrent assets plus other real estate owned to assets | 1.7621% | 465 |
| Noncurrent loans to loans | 2.0485% | 647 |
| Net loans and leases to total assets | 85.2980% | 173 |
| Net loans and leases to deposits | 102.9496% | 416 |
| Net loans and leases to core deposits | 107.5905% | 833 |
| Total domestic deposits to total assets | 82.8542% | 3,126 |
| Equity capital to assets | 11.4721% | 1,990 |
| Core capital (leverage) ratio | 10.6065% | 2,277 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4035% | 2,033 |
| Memoranda: | ||
| Average total assets | $61,985,000 | 4,509 |
| Average earning assets | $57,987,667 | 4,491 |
| Average equity | $7,138,000 | 4,552 |
| Average total loans | $52,832,000 | 4,083 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8637% | 199 |
| Cost of funding earning assets | 1.3266% | 523 |
| Net interest margin | 4.5372% | 461 |
| Noninterest income to average assets | 0.1052% | 4,802 |
| Noninterest expense to average assets | 1.9127% | 4,526 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 2.4188% | 126 |
| Return on assets (ROA) | 2.4188% | 135 |
| Pretax return on assets | 2.4188% | 192 |
| Return on Equity (ROE) | 20.9627% | 135 |
| Retained earnings to average equity (ytd only) | 8.4306% | 1,118 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 30.3490% | 5,064 |
| Assets per employee ($millions) | 6.6432% | 1,266 |
| Cash dividends to net income (ytd only)* | 59.7826% | 1,401 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9047% | 4,088 |
| Loan loss allowance to noncurrent loans | 35.8915% | 4,313 |
| Noncurrent assets plus other real estate owned to assets | 2.1576% | 355 |
| Noncurrent loans to loans | 2.5206% | 477 |
| Net loans and leases to total assets | 84.8233% | 217 |
| Net loans and leases to deposits | 100.5313% | 518 |
| Net loans and leases to core deposits | 102.6765% | 1,265 |
| Total domestic deposits to total assets | 84.3751% | 2,644 |
| Equity capital to assets | 11.5038% | 2,435 |
| Core capital (leverage) ratio | 11.2231% | 2,298 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $60,856,000 | 4,544 |
| Average earning assets | $56,687,500 | 4,531 |
| Average equity | $7,022,000 | 4,598 |
| Average total loans | $51,617,500 | 4,123 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8790% | 273 |
| Cost of funding earning assets | 1.4493% | 463 |
| Net interest margin | 4.4297% | 842 |
| Noninterest income to average assets | 0.0813% | 4,970 |
| Noninterest expense to average assets | 2.1266% | 4,315 |
| Loan and lease loss provision to assets | 0.0610% | 2,818 |
| Net operating income to assets | 2.0267% | 331 |
| Return on assets (ROA) | 2.0267% | 347 |
| Pretax return on assets | 2.0267% | 569 |
| Return on Equity (ROE) | 17.0701% | 411 |
| Retained earnings to average equity (ytd only) | -0.8421% | 4,794 |
| Net charge-offs to loans | -0.0447% | 4,806 |
| Credit loss provision to net charge-offs | -156.5217% | 4,267 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.4624% | 4,710 |
| Assets per employee ($millions) | 6.1923% | 1,493 |
| Cash dividends to net income (ytd only)* | 104.9331% | 251 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8894% | 4,009 |
| Loan loss allowance to noncurrent loans | 30.9285% | 4,416 |
| Noncurrent assets plus other real estate owned to assets | 2.4175% | 275 |
| Noncurrent loans to loans | 2.8757% | 336 |
| Net loans and leases to total assets | 83.3196% | 387 |
| Net loans and leases to deposits | 103.7044% | 387 |
| Net loans and leases to core deposits | 116.0903% | 593 |
| Total domestic deposits to total assets | 80.3433% | 3,906 |
| Equity capital to assets | 11.5724% | 2,468 |
| Core capital (leverage) ratio | 10.3093% | 3,181 |
| Tier 1 risk-based capital ratio | 13.4399% | 3,558 |
| Total risk-based capital ratio | 14.4123% | 3,591 |
| Memoranda: | ||
| Average total assets | $59,013,200 | 4,613 |
| Average earning assets | $55,060,600 | 4,599 |
| Average equity | $7,006,400 | 4,637 |
| Average total loans | $51,401,000 | 4,151 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9670% | 255 |
| Cost of funding earning assets | 1.4110% | 560 |
| Net interest margin | 4.5559% | 679 |
| Noninterest income to average assets | 0.0938% | 5,010 |
| Noninterest expense to average assets | 1.9375% | 4,660 |
| Loan and lease loss provision to assets | 0.0618% | 2,668 |
| Net operating income to assets | 2.3562% | 206 |
| Return on assets (ROA) | 2.3562% | 216 |
| Pretax return on assets | 2.3562% | 338 |
| Return on Equity (ROE) | 19.7129% | 270 |
| Retained earnings to average equity (ytd only) | -4.2106% | 5,030 |
| Net charge-offs to loans | -0.0442% | 4,805 |
| Credit loss provision to net charge-offs | -158.8235% | 4,133 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.4853% | 4,992 |
| Assets per employee ($millions) | 6.2074% | 1,458 |
| Cash dividends to net income (ytd only)* | 121.3595% | 188 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8368% | 4,284 |
| Loan loss allowance to noncurrent loans | 61.7080% | 3,966 |
| Noncurrent assets plus other real estate owned to assets | 1.2276% | 1,020 |
| Noncurrent loans to loans | 1.3560% | 1,134 |
| Net loans and leases to total assets | 85.5302% | 219 |
| Net loans and leases to deposits | 106.4139% | 302 |
| Net loans and leases to core deposits | 119.6170% | 549 |
| Total domestic deposits to total assets | 80.3750% | 3,900 |
| Equity capital to assets | 11.2720% | 2,856 |
| Core capital (leverage) ratio | 10.1734% | 3,454 |
| Tier 1 risk-based capital ratio | 10.5340% | 5,066 |
| Total risk-based capital ratio | 11.2905% | 5,125 |
| Memoranda: | ||
| Average total assets | $58,285,750 | 4,687 |
| Average earning assets | $54,521,000 | 4,673 |
| Average equity | $6,966,500 | 4,704 |
| Average total loans | $51,237,000 | 4,208 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8457% | 309 |
| Cost of funding earning assets | 1.2953% | 752 |
| Net interest margin | 4.5504% | 683 |
| Noninterest income to average assets | 0.0947% | 5,060 |
| Noninterest expense to average assets | 1.9746% | 4,647 |
| Loan and lease loss provision to assets | 0.0631% | 2,558 |
| Net operating income to assets | 2.3078% | 213 |
| Return on assets (ROA) | 2.3078% | 224 |
| Pretax return on assets | 2.3078% | 357 |
| Return on Equity (ROE) | 18.9180% | 320 |
| Retained earnings to average equity (ytd only) | -7.8202% | 5,133 |
| Net charge-offs to loans | -0.0713% | 4,931 |
| Credit loss provision to net charge-offs | -100.0000% | 3,898 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.4399% | 5,009 |
| Assets per employee ($millions) | 6.1683% | 1,423 |
| Cash dividends to net income (ytd only)* | 141.3374% | 172 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8274% | 4,341 |
| Loan loss allowance to noncurrent loans | 213.5922% | 2,050 |
| Noncurrent assets plus other real estate owned to assets | 0.3923% | 2,934 |
| Noncurrent loans to loans | 0.3874% | 3,141 |
| Net loans and leases to total assets | 85.5017% | 254 |
| Net loans and leases to deposits | 111.1720% | 197 |
| Net loans and leases to core deposits | 122.1173% | 484 |
| Total domestic deposits to total assets | 76.9094% | 4,575 |
| Equity capital to assets | 11.1976% | 2,861 |
| Core capital (leverage) ratio | 10.5150% | 3,071 |
| Tier 1 risk-based capital ratio | 13.1809% | 3,743 |
| Total risk-based capital ratio | 14.1186% | 3,815 |
| Memoranda: | ||
| Average total assets | $57,023,000 | 4,739 |
| Average earning assets | $53,269,670 | 4,721 |
| Average equity | $6,956,330 | 4,735 |
| Average total loans | $50,469,330 | 4,247 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8138% | 305 |
| Cost of funding earning assets | 1.1974% | 909 |
| Net interest margin | 4.6164% | 591 |
| Noninterest income to average assets | 0.1097% | 5,043 |
| Noninterest expense to average assets | 2.1941% | 4,270 |
| Loan and lease loss provision to assets | 0.0658% | 2,347 |
| Net operating income to assets | 2.1356% | 299 |
| Return on assets (ROA) | 2.1356% | 313 |
| Pretax return on assets | 2.1356% | 496 |
| Return on Equity (ROE) | 16.7311% | 498 |
| Retained earnings to average equity (ytd only) | -1.0314% | 4,656 |
| Net charge-offs to loans | 0.2443% | 594 |
| Credit loss provision to net charge-offs | 30.0000% | 2,087 |
| Earnings coverage of net charge-offs (x) | 10.0333% | 1,982 |
| Efficiency ratio | 49.9168% | 4,833 |
| Assets per employee ($millions) | 5.7014% | 1,792 |
| Cash dividends to net income (ytd only)* | 106.1644% | 559 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7636% | 4,626 |
| Loan loss allowance to noncurrent loans | 151.3834% | 2,648 |
| Noncurrent assets plus other real estate owned to assets | 0.4438% | 2,823 |
| Noncurrent loans to loans | 0.5044% | 2,800 |
| Net loans and leases to total assets | 87.3049% | 129 |
| Net loans and leases to deposits | 108.4823% | 259 |
| Net loans and leases to core deposits | 122.5225% | 465 |
| Total domestic deposits to total assets | 80.4785% | 4,078 |
| Equity capital to assets | 12.2268% | 1,894 |
| Core capital (leverage) ratio | 12.0903% | 1,720 |
| Tier 1 risk-based capital ratio | 14.1672% | 3,262 |
| Total risk-based capital ratio | 15.0098% | 3,372 |
| Memoranda: | ||
| Average total assets | $54,693,000 | 4,827 |
| Average earning assets | $50,776,000 | 4,813 |
| Average equity | $6,981,000 | 4,758 |
| Average total loans | $49,114,000 | 4,324 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8541% | 217 |
| Cost of funding earning assets | 0.7462% | 1,811 |
| Net interest margin | 5.1079% | 221 |
| Noninterest income to average assets | 0.3762% | 3,576 |
| Noninterest expense to average assets | 2.2364% | 4,257 |
| Loan and lease loss provision to assets | 0.0898% | 2,348 |
| Net operating income to assets | 2.6743% | 114 |
| Return on assets (ROA) | 2.6743% | 114 |
| Pretax return on assets | 2.6743% | 153 |
| Return on Equity (ROE) | 21.1422% | 192 |
| Retained earnings to average equity (ytd only) | 6.1991% | 2,091 |
| Net charge-offs to loans | 0.1887% | 1,016 |
| Credit loss provision to net charge-offs | 52.7473% | 3,159 |
| Earnings coverage of net charge-offs (x) | 16.2308% | 2,262 |
| Efficiency ratio | 44.7231% | 5,159 |
| Assets per employee ($millions) | 5.8191% | 1,658 |
| Cash dividends to net income (ytd only)* | 70.6788% | 1,047 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8405% | 4,393 |
| Loan loss allowance to noncurrent loans | 159.6838% | 2,601 |
| Noncurrent assets plus other real estate owned to assets | 0.4831% | 2,639 |
| Noncurrent loans to loans | 0.5263% | 2,694 |
| Net loans and leases to total assets | 91.0124% | 42 |
| Net loans and leases to deposits | 117.2311% | 132 |
| Net loans and leases to core deposits | 130.9442% | 300 |
| Total domestic deposits to total assets | 77.6350% | 4,542 |
| Equity capital to assets | 13.3487% | 1,207 |
| Core capital (leverage) ratio | 12.4011% | 1,515 |
| Tier 1 risk-based capital ratio | 14.6162% | 3,015 |
| Total risk-based capital ratio | 15.5307% | 3,092 |
| Memoranda: | ||
| Average total assets | $53,433,800 | 4,882 |
| Average earning assets | $48,376,400 | 4,886 |
| Average equity | $6,759,000 | 4,783 |
| Average total loans | $48,236,000 | 4,348 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7721% | 229 |
| Cost of funding earning assets | 0.6970% | 1,859 |
| Net interest margin | 5.0751% | 227 |
| Noninterest income to average assets | 0.4842% | 2,954 |
| Noninterest expense to average assets | 1.9913% | 4,760 |
| Loan and lease loss provision to assets | 0.0968% | 2,041 |
| Net operating income to assets | 2.9522% | 82 |
| Return on assets (ROA) | 2.9522% | 82 |
| Pretax return on assets | 2.9522% | 119 |
| Return on Equity (ROE) | 23.6575% | 111 |
| Retained earnings to average equity (ytd only) | 3.5616% | 3,985 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.5074% | 5,344 |
| Assets per employee ($millions) | 6.0063% | 1,480 |
| Cash dividends to net income (ytd only)* | 84.9453% | 469 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9980% | 3,782 |
| Loan loss allowance to noncurrent loans | 34.2736% | 4,674 |
| Noncurrent assets plus other real estate owned to assets | 2.6232% | 321 |
| Noncurrent loans to loans | 2.9120% | 382 |
| Net loans and leases to total assets | 89.1818% | 104 |
| Net loans and leases to deposits | 116.7006% | 139 |
| Net loans and leases to core deposits | 120.3660% | 563 |
| Total domestic deposits to total assets | 76.4193% | 4,739 |
| Equity capital to assets | 12.4979% | 1,588 |
| Core capital (leverage) ratio | 11.8253% | 1,897 |
| Tier 1 risk-based capital ratio | 14.1315% | 3,302 |
| Total risk-based capital ratio | 15.2360% | 3,288 |
| Memoranda: | ||
| Average total assets | $53,699,250 | 4,931 |
| Average earning assets | $48,207,750 | 4,946 |
| Average equity | $6,701,000 | 4,844 |
| Average total loans | $48,277,750 | 4,394 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7035% | 233 |
| Cost of funding earning assets | 0.5949% | 2,258 |
| Net interest margin | 5.1086% | 202 |
| Noninterest income to average assets | 0.1456% | 5,096 |
| Noninterest expense to average assets | 1.9895% | 4,818 |
| Loan and lease loss provision to assets | 0.1120% | 1,769 |
| Net operating income to assets | 2.6278% | 122 |
| Return on assets (ROA) | 2.6278% | 122 |
| Pretax return on assets | 2.6278% | 175 |
| Return on Equity (ROE) | 21.0694% | 202 |
| Retained earnings to average equity (ytd only) | 2.8132% | 4,128 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.0679% | 5,340 |
| Assets per employee ($millions) | 6.0148% | 1,453 |
| Cash dividends to net income (ytd only)* | 86.6477% | 575 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9969% | 3,861 |
| Loan loss allowance to noncurrent loans | 139.0671% | 2,904 |
| Noncurrent assets plus other real estate owned to assets | 0.6336% | 2,324 |
| Noncurrent loans to loans | 0.7169% | 2,321 |
| Net loans and leases to total assets | 87.5085% | 169 |
| Net loans and leases to deposits | 107.8108% | 355 |
| Net loans and leases to core deposits | 114.2874% | 782 |
| Total domestic deposits to total assets | 81.1686% | 3,948 |
| Equity capital to assets | 12.3215% | 1,649 |
| Core capital (leverage) ratio | 11.9381% | 1,759 |
| Tier 1 risk-based capital ratio | 13.6182% | 3,554 |
| Total risk-based capital ratio | 14.6775% | 3,579 |
| Memoranda: | ||
| Average total assets | $53,580,000 | 4,990 |
| Average earning assets | $48,075,330 | 5,004 |
| Average equity | $6,682,670 | 4,894 |
| Average total loans | $48,138,670 | 4,436 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6480% | 222 |
| Cost of funding earning assets | 0.5723% | 2,241 |
| Net interest margin | 5.0757% | 203 |
| Noninterest income to average assets | 0.1051% | 5,307 |
| Noninterest expense to average assets | 2.1087% | 4,640 |
| Loan and lease loss provision to assets | 0.1351% | 1,396 |
| Net operating income to assets | 2.4539% | 157 |
| Return on assets (ROA) | 2.4539% | 159 |
| Pretax return on assets | 2.4539% | 237 |
| Return on Equity (ROE) | 19.5545% | 284 |
| Retained earnings to average equity (ytd only) | 12.9765% | 525 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.8882% | 5,324 |
| Assets per employee ($millions) | 5.9701% | 1,541 |
| Cash dividends to net income (ytd only)* | 33.6391% | 2,042 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9809% | 4,059 |
| Loan loss allowance to noncurrent loans | 20.3679% | 4,922 |
| Noncurrent assets plus other real estate owned to assets | 4.2489% | 136 |
| Noncurrent loans to loans | 4.8158% | 165 |
| Net loans and leases to total assets | 87.3630% | 172 |
| Net loans and leases to deposits | 107.0027% | 345 |
| Net loans and leases to core deposits | 118.8380% | 619 |
| Total domestic deposits to total assets | 81.6456% | 4,054 |
| Equity capital to assets | 12.6463% | 1,406 |
| Core capital (leverage) ratio | 12.2230% | 1,511 |
| Tier 1 risk-based capital ratio | 14.3595% | 3,190 |
| Total risk-based capital ratio | 15.4270% | 3,209 |
| Memoranda: | ||
| Average total assets | $53,303,500 | 5,051 |
| Average earning assets | $48,229,500 | 5,056 |
| Average equity | $6,689,000 | 4,945 |
| Average total loans | $48,284,000 | 4,480 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5680% | 238 |
| Cost of funding earning assets | 0.6039% | 1,574 |
| Net interest margin | 4.9641% | 246 |
| Noninterest income to average assets | 0.0940% | 5,429 |
| Noninterest expense to average assets | 2.1709% | 4,596 |
| Loan and lease loss provision to assets | 0.1301% | 1,765 |
| Net operating income to assets | 2.4438% | 130 |
| Return on assets (ROA) | 2.4438% | 130 |
| Pretax return on assets | 2.4438% | 199 |
| Return on Equity (ROE) | 21.1839% | 158 |
| Retained earnings to average equity (ytd only) | 5.3587% | 1,893 |
| Net charge-offs to loans | 0.0039% | 3,965 |
| Credit loss provision to net charge-offs | 3,600.0000% | 114 |
| Earnings coverage of net charge-offs (x) | 712.0000% | 115 |
| Efficiency ratio | 45.7524% | 5,399 |
| Assets per employee ($millions) | 5.8751% | 1,604 |
| Cash dividends to net income (ytd only)* | 74.7041% | 1,025 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9092% | 4,427 |
| Loan loss allowance to noncurrent loans | 10.7246% | 5,042 |
| Noncurrent assets plus other real estate owned to assets | 7.8826% | 38 |
| Noncurrent loans to loans | 8.4781% | 40 |
| Net loans and leases to total assets | 92.1306% | 35 |
| Net loans and leases to deposits | 115.4083% | 157 |
| Net loans and leases to core deposits | 127.3795% | 405 |
| Total domestic deposits to total assets | 79.8302% | 4,368 |
| Equity capital to assets | 12.4499% | 1,546 |
| Core capital (leverage) ratio | 11.2635% | 2,118 |
| Tier 1 risk-based capital ratio | 12.8855% | 3,980 |
| Total risk-based capital ratio | 13.8394% | 4,044 |
| Memoranda: | ||
| Average total assets | $55,323,400 | 5,055 |
| Average earning assets | $51,831,800 | 5,033 |
| Average equity | $6,382,200 | 5,048 |
| Average total loans | $51,814,000 | 4,412 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7384% | 179 |
| Cost of funding earning assets | 0.5916% | 1,590 |
| Net interest margin | 5.1468% | 179 |
| Noninterest income to average assets | 0.0953% | 5,490 |
| Noninterest expense to average assets | 1.9260% | 5,099 |
| Loan and lease loss provision to assets | 0.1287% | 1,682 |
| Net operating income to assets | 2.8723% | 91 |
| Return on assets (ROA) | 2.8723% | 92 |
| Pretax return on assets | 2.8723% | 128 |
| Return on Equity (ROE) | 25.3732% | 72 |
| Retained earnings to average equity (ytd only) | 4.1060% | 3,470 |
| Net charge-offs to loans | -0.0127% | 4,710 |
| Credit loss provision to net charge-offs | -1,080.0000% | 4,965 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.0905% | 5,600 |
| Assets per employee ($millions) | 6.2280% | 1,358 |
| Cash dividends to net income (ytd only)* | 83.8171% | 549 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8236% | 4,829 |
| Loan loss allowance to noncurrent loans | 10.4531% | 5,139 |
| Noncurrent assets plus other real estate owned to assets | 7.4413% | 44 |
| Noncurrent loans to loans | 7.8787% | 50 |
| Net loans and leases to total assets | 93.6702% | 13 |
| Net loans and leases to deposits | 121.7343% | 79 |
| Net loans and leases to core deposits | 139.0245% | 211 |
| Total domestic deposits to total assets | 76.9464% | 4,906 |
| Equity capital to assets | 11.4947% | 2,379 |
| Core capital (leverage) ratio | 10.6464% | 2,831 |
| Tier 1 risk-based capital ratio | 12.5761% | 4,272 |
| Total risk-based capital ratio | 13.5068% | 4,363 |
| Memoranda: | ||
| Average total assets | $55,935,250 | 5,103 |
| Average earning assets | $52,510,000 | 5,078 |
| Average equity | $6,332,000 | 5,111 |
| Average total loans | $52,477,000 | 4,436 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7012% | 188 |
| Cost of funding earning assets | 0.5728% | 1,626 |
| Net interest margin | 5.1284% | 179 |
| Noninterest income to average assets | 0.0966% | 5,531 |
| Noninterest expense to average assets | 1.9465% | 5,093 |
| Loan and lease loss provision to assets | 0.1288% | 1,616 |
| Net operating income to assets | 2.8267% | 91 |
| Return on assets (ROA) | 2.8267% | 92 |
| Pretax return on assets | 2.8267% | 136 |
| Return on Equity (ROE) | 25.0993% | 78 |
| Retained earnings to average equity (ytd only) | 2.5417% | 4,166 |
| Net charge-offs to loans | -0.0153% | 4,675 |
| Credit loss provision to net charge-offs | -900.0000% | 4,794 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.7080% | 5,636 |
| Assets per employee ($millions) | 7.1170% | 880 |
| Cash dividends to net income (ytd only)* | 89.8734% | 626 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7745% | 5,007 |
| Loan loss allowance to noncurrent loans | 20.9442% | 5,101 |
| Noncurrent assets plus other real estate owned to assets | 3.4969% | 231 |
| Noncurrent loans to loans | 3.6977% | 282 |
| Net loans and leases to total assets | 93.8369% | 10 |
| Net loans and leases to deposits | 119.3153% | 103 |
| Net loans and leases to core deposits | 138.3510% | 201 |
| Total domestic deposits to total assets | 78.6462% | 4,699 |
| Equity capital to assets | 11.1195% | 2,682 |
| Core capital (leverage) ratio | 10.3425% | 3,086 |
| Tier 1 risk-based capital ratio | 12.1528% | 4,524 |
| Total risk-based capital ratio | 13.0302% | 4,665 |
| Memoranda: | ||
| Average total assets | $55,896,330 | 5,139 |
| Average earning assets | $52,375,000 | 5,117 |
| Average equity | $6,295,000 | 5,144 |
| Average total loans | $52,322,670 | 4,459 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5611% | 212 |
| Cost of funding earning assets | 0.5654% | 1,618 |
| Net interest margin | 4.9957% | 227 |
| Noninterest income to average assets | 0.1083% | 5,564 |
| Noninterest expense to average assets | 2.0442% | 4,952 |
| Loan and lease loss provision to assets | 0.1300% | 1,473 |
| Net operating income to assets | 2.5932% | 120 |
| Return on assets (ROA) | 2.5932% | 125 |
| Pretax return on assets | 2.5932% | 191 |
| Return on Equity (ROE) | 22.8772% | 125 |
| Retained earnings to average equity (ytd only) | 3.1225% | 3,852 |
| Net charge-offs to loans | -0.0155% | 4,609 |
| Credit loss provision to net charge-offs | -900.0000% | 4,382 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.8788% | 5,629 |
| Assets per employee ($millions) | 6.3264% | 1,276 |
| Cash dividends to net income (ytd only)* | 86.3510% | 870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7518% | 5,192 |
| Loan loss allowance to noncurrent loans | 20.0606% | 5,187 |
| Noncurrent assets plus other real estate owned to assets | 3.4757% | 245 |
| Noncurrent loans to loans | 3.7477% | 301 |
| Net loans and leases to total assets | 92.0457% | 18 |
| Net loans and leases to deposits | 110.2257% | 213 |
| Net loans and leases to core deposits | 131.5586% | 243 |
| Total domestic deposits to total assets | 83.5066% | 3,656 |
| Equity capital to assets | 11.0647% | 2,565 |
| Core capital (leverage) ratio | 10.7556% | 2,636 |
| Tier 1 risk-based capital ratio | 12.1737% | 4,601 |
| Total risk-based capital ratio | 13.0149% | 4,779 |
| Memoranda: | ||
| Average total assets | $55,376,500 | 5,204 |
| Average earning assets | $51,644,000 | 5,179 |
| Average equity | $6,277,000 | 5,194 |
| Average total loans | $51,562,000 | 4,515 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5726% | 227 |
| Cost of funding earning assets | 0.4881% | 2,183 |
| Net interest margin | 5.0845% | 217 |
| Noninterest income to average assets | 0.0961% | 5,656 |
| Noninterest expense to average assets | 2.2541% | 4,645 |
| Loan and lease loss provision to assets | 0.1228% | 2,012 |
| Net operating income to assets | 2.5192% | 142 |
| Return on assets (ROA) | 2.5192% | 143 |
| Pretax return on assets | 2.5192% | 193 |
| Return on Equity (ROE) | 24.0775% | 90 |
| Retained earnings to average equity (ytd only) | 10.9845% | 307 |
| Net charge-offs to loans | -0.0151% | 5,054 |
| Credit loss provision to net charge-offs | -862.5000% | 5,275 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.8953% | 5,697 |
| Assets per employee ($millions) | 5.9794% | 1,499 |
| Cash dividends to net income (ytd only)* | 54.3785% | 2,063 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7492% | 5,239 |
| Loan loss allowance to noncurrent loans | 15.1588% | 5,265 |
| Noncurrent assets plus other real estate owned to assets | 4.6214% | 146 |
| Noncurrent loans to loans | 4.9426% | 164 |
| Net loans and leases to total assets | 92.8013% | 20 |
| Net loans and leases to deposits | 119.1255% | 98 |
| Net loans and leases to core deposits | 140.6274% | 168 |
| Total domestic deposits to total assets | 77.9021% | 4,990 |
| Equity capital to assets | 11.6213% | 2,067 |
| Core capital (leverage) ratio | 10.3088% | 3,097 |
| Tier 1 risk-based capital ratio | 12.6289% | 4,304 |
| Total risk-based capital ratio | 13.4647% | 4,446 |
| Memoranda: | ||
| Average total assets | $56,208,000 | 5,227 |
| Average earning assets | $53,063,400 | 5,187 |
| Average equity | $5,881,000 | 5,295 |
| Average total loans | $52,858,800 | 4,491 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5031% | 246 |
| Cost of funding earning assets | 0.4716% | 2,348 |
| Net interest margin | 5.0315% | 237 |
| Noninterest income to average assets | 0.0868% | 5,749 |
| Noninterest expense to average assets | 2.0091% | 5,183 |
| Loan and lease loss provision to assets | 0.1197% | 1,937 |
| Net operating income to assets | 2.7156% | 117 |
| Return on assets (ROA) | 2.7156% | 119 |
| Pretax return on assets | 2.7156% | 161 |
| Return on Equity (ROE) | 26.6534% | 63 |
| Retained earnings to average equity (ytd only) | 8.9152% | 844 |
| Net charge-offs to loans | -0.0125% | 4,852 |
| Credit loss provision to net charge-offs | -1,020.0000% | 5,221 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.6143% | 5,857 |
| Assets per employee ($millions) | 6.4041% | 1,172 |
| Cash dividends to net income (ytd only)* | 66.5513% | 1,145 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6556% | 5,518 |
| Loan loss allowance to noncurrent loans | 9.8045% | 5,396 |
| Noncurrent assets plus other real estate owned to assets | 6.2998% | 94 |
| Noncurrent loans to loans | 6.6869% | 94 |
| Net loans and leases to total assets | 93.5927% | 14 |
| Net loans and leases to deposits | 131.5098% | 36 |
| Net loans and leases to core deposits | 163.3380% | 79 |
| Total domestic deposits to total assets | 71.1678% | 5,634 |
| Equity capital to assets | 10.4239% | 3,646 |
| Core capital (leverage) ratio | 9.4655% | 4,225 |
| Tier 1 risk-based capital ratio | 11.5376% | 5,066 |
| Total risk-based capital ratio | 12.2931% | 5,259 |
| Memoranda: | ||
| Average total assets | $56,806,250 | 5,255 |
| Average earning assets | $53,713,500 | 5,222 |
| Average equity | $5,787,750 | 5,373 |
| Average total loans | $53,494,000 | 4,508 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4514% | 275 |
| Cost of funding earning assets | 0.4565% | 2,503 |
| Net interest margin | 4.9949% | 255 |
| Noninterest income to average assets | 0.0814% | 5,838 |
| Noninterest expense to average assets | 1.9848% | 5,300 |
| Loan and lease loss provision to assets | 0.1168% | 1,943 |
| Net operating income to assets | 2.7030% | 113 |
| Return on assets (ROA) | 2.7030% | 113 |
| Pretax return on assets | 2.7030% | 164 |
| Return on Equity (ROE) | 26.7398% | 69 |
| Retained earnings to average equity (ytd only) | 6.0900% | 2,073 |
| Net charge-offs to loans | -0.0113% | 4,738 |
| Credit loss provision to net charge-offs | -1,100.0000% | 5,110 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.2180% | 5,940 |
| Assets per employee ($millions) | 5.7591% | 1,578 |
| Cash dividends to net income (ytd only)* | 77.2251% | 954 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6201% | 5,653 |
| Loan loss allowance to noncurrent loans | 83.6228% | 4,041 |
| Noncurrent assets plus other real estate owned to assets | 0.6998% | 2,882 |
| Noncurrent loans to loans | 0.7416% | 2,885 |
| Net loans and leases to total assets | 93.7785% | 10 |
| Net loans and leases to deposits | 128.0023% | 52 |
| Net loans and leases to core deposits | 155.9663% | 99 |
| Total domestic deposits to total assets | 73.2632% | 5,586 |
| Equity capital to assets | 10.0641% | 4,147 |
| Core capital (leverage) ratio | 9.2529% | 4,519 |
| Tier 1 risk-based capital ratio | 11.0244% | 5,409 |
| Total risk-based capital ratio | 11.7370% | 5,592 |
| Memoranda: | ||
| Average total assets | $56,529,330 | 5,325 |
| Average earning assets | $53,454,330 | 5,280 |
| Average equity | $5,714,330 | 5,442 |
| Average total loans | $53,225,330 | 4,550 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3754% | 300 |
| Cost of funding earning assets | 0.4385% | 2,693 |
| Net interest margin | 4.9369% | 293 |
| Noninterest income to average assets | 0.0857% | 5,868 |
| Noninterest expense to average assets | 2.0358% | 5,254 |
| Loan and lease loss provision to assets | 0.1071% | 1,916 |
| Net operating income to assets | 2.6072% | 134 |
| Return on assets (ROA) | 2.6072% | 139 |
| Pretax return on assets | 2.6072% | 205 |
| Return on Equity (ROE) | 25.7337% | 89 |
| Retained earnings to average equity (ytd only) | 7.4028% | 1,706 |
| Net charge-offs to loans | -0.0076% | 4,420 |
| Credit loss provision to net charge-offs | -1,500.0000% | 4,811 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.6992% | 5,972 |
| Assets per employee ($millions) | 5.5681% | 1,772 |
| Cash dividends to net income (ytd only)* | 71.2329% | 1,165 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6026% | 5,741 |
| Loan loss allowance to noncurrent loans | 64.8871% | 4,448 |
| Noncurrent assets plus other real estate owned to assets | 0.8746% | 2,502 |
| Noncurrent loans to loans | 0.9287% | 2,526 |
| Net loans and leases to total assets | 93.6082% | 11 |
| Net loans and leases to deposits | 117.4263% | 115 |
| Net loans and leases to core deposits | 117.4263% | 554 |
| Total domestic deposits to total assets | 79.7166% | 4,813 |
| Equity capital to assets | 10.2890% | 3,759 |
| Core capital (leverage) ratio | 9.5285% | 4,136 |
| Tier 1 risk-based capital ratio | 11.5420% | 5,214 |
| Total risk-based capital ratio | 12.2528% | 5,412 |
| Memoranda: | ||
| Average total assets | $55,998,500 | 5,384 |
| Average earning assets | $52,908,000 | 5,343 |
| Average equity | $5,673,500 | 5,483 |
| Average total loans | $52,665,500 | 4,598 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6115% | 230 |
| Cost of funding earning assets | 0.4333% | 2,813 |
| Net interest margin | 5.1782% | 195 |
| Noninterest income to average assets | 0.0507% | 6,003 |
| Noninterest expense to average assets | 2.3617% | 4,610 |
| Loan and lease loss provision to assets | 0.0652% | 2,984 |
| Net operating income to assets | 2.4902% | 155 |
| Return on assets (ROA) | 2.4902% | 160 |
| Pretax return on assets | 2.4902% | 211 |
| Return on Equity (ROE) | 25.2079% | 101 |
| Retained earnings to average equity (ytd only) | 6.1737% | 1,716 |
| Net charge-offs to loans | -0.0058% | 5,001 |
| Credit loss provision to net charge-offs | -1,200.0000% | 5,579 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.9393% | 5,956 |
| Assets per employee ($millions) | 5.6316% | 1,676 |
| Cash dividends to net income (ytd only)* | 75.5087% | 1,032 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5672% | 5,843 |
| Loan loss allowance to noncurrent loans | 113.2075% | 3,396 |
| Noncurrent assets plus other real estate owned to assets | 0.4706% | 3,738 |
| Noncurrent loans to loans | 0.5010% | 3,685 |
| Net loans and leases to total assets | 93.3891% | 12 |
| Net loans and leases to deposits | 118.6960% | 112 |
| Net loans and leases to core deposits | 133.3291% | 227 |
| Total domestic deposits to total assets | 78.6792% | 5,036 |
| Equity capital to assets | 9.9759% | 3,988 |
| Core capital (leverage) ratio | 8.6710% | 5,248 |
| Tier 1 risk-based capital ratio | 10.5336% | 5,760 |
| Total risk-based capital ratio | 11.1623% | 5,928 |
| Memoranda: | ||
| Average total assets | $55,256,000 | 5,427 |
| Average earning assets | $51,929,000 | 5,394 |
| Average equity | $5,458,600 | 5,548 |
| Average total loans | $51,447,800 | 4,622 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5212% | 255 |
| Cost of funding earning assets | 0.4261% | 2,948 |
| Net interest margin | 5.0951% | 211 |
| Noninterest income to average assets | 0.0849% | 6,006 |
| Noninterest expense to average assets | 2.1142% | 5,246 |
| Loan and lease loss provision to assets | 0.0655% | 2,875 |
| Net operating income to assets | 2.6889% | 125 |
| Return on assets (ROA) | 2.6889% | 126 |
| Pretax return on assets | 2.6889% | 174 |
| Return on Equity (ROE) | 27.2873% | 80 |
| Retained earnings to average equity (ytd only) | 5.9052% | 2,307 |
| Net charge-offs to loans | -0.0052% | 4,840 |
| Credit loss provision to net charge-offs | -1,350.0000% | 5,536 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.2888% | 6,129 |
| Assets per employee ($millions) | 5.9103% | 1,439 |
| Cash dividends to net income (ytd only)* | 78.3590% | 784 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5257% | 5,991 |
| Loan loss allowance to noncurrent loans | 109.0226% | 3,497 |
| Noncurrent assets plus other real estate owned to assets | 0.4501% | 3,991 |
| Noncurrent loans to loans | 0.4822% | 3,915 |
| Net loans and leases to total assets | 92.8379% | 18 |
| Net loans and leases to deposits | 119.2671% | 109 |
| Net loans and leases to core deposits | 144.7872% | 139 |
| Total domestic deposits to total assets | 77.8404% | 5,217 |
| Equity capital to assets | 9.3447% | 4,943 |
| Core capital (leverage) ratio | 8.5480% | 5,517 |
| Tier 1 risk-based capital ratio | 9.7880% | 6,084 |
| Total risk-based capital ratio | 10.3647% | 6,168 |
| Memoranda: | ||
| Average total assets | $54,991,000 | 5,507 |
| Average earning assets | $51,629,750 | 5,468 |
| Average equity | $5,418,750 | 5,626 |
| Average total loans | $51,086,500 | 4,679 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4896% | 270 |
| Cost of funding earning assets | 0.4214% | 3,027 |
| Net interest margin | 5.0683% | 222 |
| Noninterest income to average assets | 0.0671% | 6,121 |
| Noninterest expense to average assets | 2.2118% | 5,081 |
| Loan and lease loss provision to assets | 0.0671% | 2,775 |
| Net operating income to assets | 2.5438% | 161 |
| Return on assets (ROA) | 2.5438% | 168 |
| Pretax return on assets | 2.5438% | 238 |
| Return on Equity (ROE) | 25.3343% | 115 |
| Retained earnings to average equity (ytd only) | 6.0550% | 2,213 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.6141% | 6,158 |
| Assets per employee ($millions) | 4.6986% | 2,683 |
| Cash dividends to net income (ytd only)* | 76.0997% | 1,017 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5325% | 6,059 |
| Loan loss allowance to noncurrent loans | 104.4944% | 3,610 |
| Noncurrent assets plus other real estate owned to assets | 0.4735% | 4,037 |
| Noncurrent loans to loans | 0.5096% | 3,930 |
| Net loans and leases to total assets | 92.4392% | 23 |
| Net loans and leases to deposits | 121.9438% | 82 |
| Net loans and leases to core deposits | 149.1273% | 111 |
| Total domestic deposits to total assets | 75.8048% | 5,618 |
| Equity capital to assets | 9.6678% | 4,444 |
| Core capital (leverage) ratio | 9.0058% | 4,961 |
| Tier 1 risk-based capital ratio | 10.3917% | 5,959 |
| Total risk-based capital ratio | 10.9918% | 6,120 |
| Memoranda: | ||
| Average total assets | $53,620,330 | 5,601 |
| Average earning assets | $50,313,000 | 5,555 |
| Average equity | $5,384,000 | 5,685 |
| Average total loans | $49,728,670 | 4,759 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4988% | 260 |
| Cost of funding earning assets | 0.4318% | 2,960 |
| Net interest margin | 5.0671% | 220 |
| Noninterest income to average assets | 0.0995% | 6,084 |
| Noninterest expense to average assets | 2.4732% | 4,355 |
| Loan and lease loss provision to assets | 0.0689% | 2,566 |
| Net operating income to assets | 2.3201% | 193 |
| Return on assets (ROA) | 2.3201% | 207 |
| Pretax return on assets | 2.3201% | 316 |
| Return on Equity (ROE) | 22.6521% | 160 |
| Retained earnings to average equity (ytd only) | 7.7002% | 1,685 |
| Net charge-offs to loans | 0.0083% | 3,051 |
| Credit loss provision to net charge-offs | 900.0000% | 358 |
| Earnings coverage of net charge-offs (x) | 312.0000% | 179 |
| Efficiency ratio | 47.5591% | 6,041 |
| Assets per employee ($millions) | 4.7625% | 2,670 |
| Cash dividends to net income (ytd only)* | 66.0066% | 1,275 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5523% | 6,114 |
| Loan loss allowance to noncurrent loans | 51.6315% | 4,974 |
| Noncurrent assets plus other real estate owned to assets | 0.9945% | 2,638 |
| Noncurrent loans to loans | 1.0697% | 2,624 |
| Net loans and leases to total assets | 92.4525% | 20 |
| Net loans and leases to deposits | 104.2915% | 358 |
| Net loans and leases to core deposits | 119.9544% | 418 |
| Total domestic deposits to total assets | 88.6482% | 1,476 |
| Equity capital to assets | 10.3039% | 3,771 |
| Core capital (leverage) ratio | 9.1172% | 4,827 |
| Tier 1 risk-based capital ratio | 10.9949% | 5,812 |
| Total risk-based capital ratio | 11.6257% | 6,003 |
| Memoranda: | ||
| Average total assets | $52,239,000 | 5,681 |
| Average earning assets | $49,101,500 | 5,633 |
| Average equity | $5,350,500 | 5,744 |
| Average total loans | $48,393,500 | 4,835 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4926% | 319 |
| Cost of funding earning assets | 0.4643% | 3,030 |
| Net interest margin | 5.0283% | 290 |
| Noninterest income to average assets | 0.0835% | 6,211 |
| Noninterest expense to average assets | 2.4844% | 4,596 |
| Loan and lease loss provision to assets | 0.1431% | 1,858 |
| Net operating income to assets | 2.1048% | 270 |
| Return on assets (ROA) | 2.1048% | 278 |
| Pretax return on assets | 2.1048% | 409 |
| Return on Equity (ROE) | 20.0812% | 250 |
| Retained earnings to average equity (ytd only) | 1.6877% | 4,970 |
| Net charge-offs to loans | 0.1822% | 2,208 |
| Credit loss provision to net charge-offs | 86.7470% | 2,716 |
| Earnings coverage of net charge-offs (x) | 13.6265% | 2,253 |
| Efficiency ratio | 48.9710% | 6,144 |
| Assets per employee ($millions) | 4.3408% | 3,284 |
| Cash dividends to net income (ytd only)* | 91.5958% | 544 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5428% | 6,212 |
| Loan loss allowance to noncurrent loans | 97.0260% | 3,786 |
| Noncurrent assets plus other real estate owned to assets | 0.5164% | 4,075 |
| Noncurrent loans to loans | 0.5594% | 3,990 |
| Net loans and leases to total assets | 91.8084% | 29 |
| Net loans and leases to deposits | 114.8735% | 151 |
| Net loans and leases to core deposits | 127.0942% | 282 |
| Total domestic deposits to total assets | 79.9213% | 5,043 |
| Equity capital to assets | 10.1805% | 3,881 |
| Core capital (leverage) ratio | 8.8455% | 5,195 |
| Tier 1 risk-based capital ratio | 10.8113% | 5,989 |
| Total risk-based capital ratio | 11.4286% | 6,157 |
| Memoranda: | ||
| Average total assets | $50,313,600 | 5,779 |
| Average earning assets | $46,517,000 | 5,765 |
| Average equity | $5,273,600 | 5,795 |
| Average total loans | $45,564,000 | 4,975 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4543% | 340 |
| Cost of funding earning assets | 0.4673% | 3,079 |
| Net interest margin | 4.9869% | 306 |
| Noninterest income to average assets | 0.0829% | 6,300 |
| Noninterest expense to average assets | 2.1389% | 5,489 |
| Loan and lease loss provision to assets | 0.1711% | 1,438 |
| Net operating income to assets | 2.3661% | 174 |
| Return on assets (ROA) | 2.3661% | 178 |
| Pretax return on assets | 2.3661% | 274 |
| Return on Equity (ROE) | 22.4063% | 175 |
| Retained earnings to average equity (ytd only) | 0.8862% | 5,528 |
| Net charge-offs to loans | 0.2493% | 1,548 |
| Credit loss provision to net charge-offs | 76.1905% | 2,666 |
| Earnings coverage of net charge-offs (x) | 11.2973% | 2,442 |
| Efficiency ratio | 42.1384% | 6,411 |
| Assets per employee ($millions) | 4.4473% | 3,057 |
| Cash dividends to net income (ytd only)* | 96.0457% | 411 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5157% | 6,319 |
| Loan loss allowance to noncurrent loans | 93.6803% | 3,825 |
| Noncurrent assets plus other real estate owned to assets | 0.5041% | 4,371 |
| Noncurrent loans to loans | 0.5505% | 4,271 |
| Net loans and leases to total assets | 91.0937% | 39 |
| Net loans and leases to deposits | 114.2139% | 148 |
| Net loans and leases to core deposits | 132.1931% | 214 |
| Total domestic deposits to total assets | 79.7572% | 5,159 |
| Equity capital to assets | 9.8432% | 4,370 |
| Core capital (leverage) ratio | 8.7698% | 5,372 |
| Tier 1 risk-based capital ratio | 10.6832% | 6,139 |
| Total risk-based capital ratio | 11.2816% | 6,304 |
| Memoranda: | ||
| Average total assets | $49,869,500 | 5,856 |
| Average earning assets | $45,932,250 | 5,840 |
| Average equity | $5,266,250 | 5,855 |
| Average total loans | $44,934,000 | 5,051 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4768% | 318 |
| Cost of funding earning assets | 0.4796% | 3,029 |
| Net interest margin | 4.9973% | 283 |
| Noninterest income to average assets | 0.0903% | 6,314 |
| Noninterest expense to average assets | 2.1600% | 5,504 |
| Loan and lease loss provision to assets | 0.0493% | 3,316 |
| Net operating income to assets | 2.4598% | 148 |
| Return on assets (ROA) | 2.4598% | 154 |
| Pretax return on assets | 2.4598% | 222 |
| Return on Equity (ROE) | 22.7296% | 176 |
| Retained earnings to average equity (ytd only) | 3.7566% | 3,798 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.5682% | 6,466 |
| Assets per employee ($millions) | 4.3381% | 3,198 |
| Cash dividends to net income (ytd only)* | 83.4725% | 823 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6062% | 6,305 |
| Loan loss allowance to noncurrent loans | 190.6040% | 2,229 |
| Noncurrent assets plus other real estate owned to assets | 0.2862% | 5,226 |
| Noncurrent loans to loans | 0.3180% | 5,058 |
| Net loans and leases to total assets | 89.4500% | 65 |
| Net loans and leases to deposits | 118.8095% | 96 |
| Net loans and leases to core deposits | 129.7256% | 230 |
| Total domestic deposits to total assets | 75.2886% | 5,996 |
| Equity capital to assets | 10.2138% | 3,807 |
| Core capital (leverage) ratio | 9.3466% | 4,535 |
| Tier 1 risk-based capital ratio | 11.3424% | 5,883 |
| Total risk-based capital ratio | 12.0521% | 6,077 |
| Memoranda: | ||
| Average total assets | $48,703,670 | 5,936 |
| Average earning assets | $44,624,330 | 5,929 |
| Average equity | $5,270,670 | 5,896 |
| Average total loans | $43,623,330 | 5,142 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5339% | 276 |
| Cost of funding earning assets | 0.4929% | 2,981 |
| Net interest margin | 5.0409% | 250 |
| Noninterest income to average assets | 0.0936% | 6,353 |
| Noninterest expense to average assets | 2.2455% | 5,338 |
| Loan and lease loss provision to assets | 0.0510% | 3,080 |
| Net operating income to assets | 2.4071% | 172 |
| Return on assets (ROA) | 2.4071% | 183 |
| Pretax return on assets | 2.4071% | 263 |
| Return on Equity (ROE) | 21.5722% | 219 |
| Retained earnings to average equity (ytd only) | 6.3268% | 2,364 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.9421% | 6,503 |
| Assets per employee ($millions) | 4.2535% | 3,433 |
| Cash dividends to net income (ytd only)* | 70.6714% | 1,144 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6672% | 6,315 |
| Loan loss allowance to noncurrent loans | 427.6923% | 1,091 |
| Noncurrent assets plus other real estate owned to assets | 0.1389% | 5,838 |
| Noncurrent loans to loans | 0.1560% | 5,613 |
| Net loans and leases to total assets | 88.4567% | 73 |
| Net loans and leases to deposits | 103.0963% | 323 |
| Net loans and leases to core deposits | 113.2584% | 485 |
| Total domestic deposits to total assets | 85.8001% | 3,467 |
| Equity capital to assets | 11.3082% | 2,410 |
| Core capital (leverage) ratio | 9.6703% | 4,032 |
| Tier 1 risk-based capital ratio | 13.0447% | 4,980 |
| Total risk-based capital ratio | 13.8532% | 5,194 |
| Memoranda: | ||
| Average total assets | $47,027,000 | 6,039 |
| Average earning assets | $43,008,000 | 6,024 |
| Average equity | $5,247,500 | 5,938 |
| Average total loans | $42,010,500 | 5,240 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7443% | 253 |
| Cost of funding earning assets | 0.5092% | 3,513 |
| Net interest margin | 5.2351% | 205 |
| Noninterest income to average assets | 0.0975% | 6,395 |
| Noninterest expense to average assets | 2.3544% | 5,220 |
| Loan and lease loss provision to assets | 0.0509% | 4,120 |
| Net operating income to assets | 2.6256% | 151 |
| Return on assets (ROA) | 2.6362% | 151 |
| Pretax return on assets | 2.4964% | 199 |
| Return on Equity (ROE) | 24.1948% | 143 |
| Retained earnings to average equity (ytd only) | 6.3988% | 1,740 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.4974% | 6,604 |
| Assets per employee ($millions) | 3.9388% | 3,986 |
| Cash dividends to net income (ytd only)* | 73.5531% | 1,166 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6422% | 6,427 |
| Loan loss allowance to noncurrent loans | 217.6000% | 1,959 |
| Noncurrent assets plus other real estate owned to assets | 0.2645% | 5,467 |
| Noncurrent loans to loans | 0.2951% | 5,296 |
| Net loans and leases to total assets | 89.0363% | 61 |
| Net loans and leases to deposits | 107.2096% | 225 |
| Net loans and leases to core deposits | 117.5371% | 377 |
| Total domestic deposits to total assets | 83.0488% | 4,532 |
| Equity capital to assets | 11.0103% | 2,604 |
| Core capital (leverage) ratio | 8.9459% | 5,086 |
| Tier 1 risk-based capital ratio | 12.3919% | 5,361 |
| Total risk-based capital ratio | 13.1583% | 5,607 |
| Memoranda: | ||
| Average total assets | $47,188,400 | 6,088 |
| Average earning assets | $43,208,000 | 6,072 |
| Average equity | $5,141,600 | 6,033 |
| Average total loans | $42,175,400 | 5,261 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6731% | 286 |
| Cost of funding earning assets | 0.5065% | 3,713 |
| Net interest margin | 5.1666% | 228 |
| Noninterest income to average assets | 0.0933% | 6,500 |
| Noninterest expense to average assets | 1.8543% | 6,247 |
| Loan and lease loss provision to assets | 0.0509% | 4,000 |
| Net operating income to assets | 3.1036% | 98 |
| Return on assets (ROA) | 3.1178% | 98 |
| Pretax return on assets | 2.9312% | 146 |
| Return on Equity (ROE) | 28.6896% | 80 |
| Retained earnings to average equity (ytd only) | 11.9128% | 433 |
| Net charge-offs to loans | 0.0032% | 5,146 |
| Credit loss provision to net charge-offs | 1,800.0000% | 180 |
| Earnings coverage of net charge-offs (x) | 1,052.6090% | 41 |
| Efficiency ratio | 34.7597% | 6,811 |
| Assets per employee ($millions) | 4.2533% | 3,322 |
| Cash dividends to net income (ytd only)* | 58.4770% | 1,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5773% | 6,593 |
| Loan loss allowance to noncurrent loans | 212.0000% | 1,894 |
| Noncurrent assets plus other real estate owned to assets | 0.2449% | 5,708 |
| Noncurrent loans to loans | 0.2723% | 5,555 |
| Net loans and leases to total assets | 89.4103% | 51 |
| Net loans and leases to deposits | 126.2484% | 45 |
| Net loans and leases to core deposits | 147.0389% | 101 |
| Total domestic deposits to total assets | 70.8209% | 6,558 |
| Equity capital to assets | 10.4389% | 3,355 |
| Core capital (leverage) ratio | 9.3470% | 4,621 |
| Tier 1 risk-based capital ratio | 11.5788% | 6,021 |
| Total risk-based capital ratio | 12.2597% | 6,239 |
| Memoranda: | ||
| Average total assets | $47,169,250 | 6,158 |
| Average earning assets | $43,173,500 | 6,145 |
| Average equity | $5,126,000 | 6,107 |
| Average total loans | $42,130,500 | 5,310 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5781% | 337 |
| Cost of funding earning assets | 0.5149% | 3,756 |
| Net interest margin | 5.0632% | 280 |
| Noninterest income to average assets | 0.1221% | 6,445 |
| Noninterest expense to average assets | 1.7176% | 6,481 |
| Loan and lease loss provision to assets | 0.0523% | 3,937 |
| Net operating income to assets | 3.2738% | 95 |
| Return on assets (ROA) | 3.2738% | 99 |
| Pretax return on assets | 2.9818% | 147 |
| Return on Equity (ROE) | 29.6916% | 75 |
| Retained earnings to average equity (ytd only) | 13.0864% | 376 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 32.2936% | 6,867 |
| Assets per employee ($millions) | 4.3902% | 3,010 |
| Cash dividends to net income (ytd only)* | 55.9254% | 1,631 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6029% | 6,616 |
| Loan loss allowance to noncurrent loans | 371.4286% | 1,142 |
| Noncurrent assets plus other real estate owned to assets | 0.1450% | 6,061 |
| Noncurrent loans to loans | 0.1623% | 5,921 |
| Net loans and leases to total assets | 88.7683% | 70 |
| Net loans and leases to deposits | 117.9539% | 77 |
| Net loans and leases to core deposits | 128.9379% | 199 |
| Total domestic deposits to total assets | 75.2568% | 6,333 |
| Equity capital to assets | 10.8444% | 2,899 |
| Core capital (leverage) ratio | 9.6356% | 4,028 |
| Tier 1 risk-based capital ratio | 12.1430% | 5,716 |
| Total risk-based capital ratio | 12.8675% | 5,996 |
| Memoranda: | ||
| Average total assets | $45,879,000 | 6,235 |
| Average earning assets | $41,949,670 | 6,229 |
| Average equity | $5,058,670 | 6,162 |
| Average total loans | $40,874,000 | 5,384 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4564% | 391 |
| Cost of funding earning assets | 0.5486% | 3,587 |
| Net interest margin | 4.9078% | 335 |
| Noninterest income to average assets | 0.1074% | 6,544 |
| Noninterest expense to average assets | 2.0326% | 6,039 |
| Loan and lease loss provision to assets | 0.0537% | 3,727 |
| Net operating income to assets | 2.3281% | 193 |
| Return on assets (ROA) | 2.3281% | 212 |
| Pretax return on assets | 2.5071% | 266 |
| Return on Equity (ROE) | 20.9277% | 239 |
| Retained earnings to average equity (ytd only) | 7.2442% | 2,052 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.1559% | 6,868 |
| Assets per employee ($millions) | 4.1451% | 3,639 |
| Cash dividends to net income (ytd only)* | 65.3846% | 1,188 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6281% | 6,672 |
| Loan loss allowance to noncurrent loans | 180.1418% | 2,050 |
| Noncurrent assets plus other real estate owned to assets | 0.3092% | 5,652 |
| Noncurrent loans to loans | 0.3486% | 5,521 |
| Net loans and leases to total assets | 88.1393% | 71 |
| Net loans and leases to deposits | 106.8205% | 185 |
| Net loans and leases to core deposits | 117.7636% | 311 |
| Total domestic deposits to total assets | 82.5116% | 5,026 |
| Equity capital to assets | 10.9812% | 2,975 |
| Core capital (leverage) ratio | 9.4788% | 4,124 |
| Tier 1 risk-based capital ratio | 12.3683% | 5,663 |
| Total risk-based capital ratio | 13.1352% | 5,950 |
| Memoranda: | ||
| Average total assets | $44,672,500 | 6,325 |
| Average earning assets | $40,833,000 | 6,314 |
| Average equity | $4,969,500 | 6,253 |
| Average total loans | $39,747,000 | 5,474 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8989% | 313 |
| Cost of funding earning assets | 0.7340% | 3,217 |
| Net interest margin | 5.1649% | 289 |
| Noninterest income to average assets | 0.1752% | 6,148 |
| Noninterest expense to average assets | 2.4477% | 5,260 |
| Loan and lease loss provision to assets | 0.0546% | 5,120 |
| Net operating income to assets | 2.2630% | 225 |
| Return on assets (ROA) | 2.2566% | 249 |
| Pretax return on assets | 2.4364% | 275 |
| Return on Equity (ROE) | 19.7468% | 312 |
| Retained earnings to average equity (ytd only) | -1.2143% | 6,044 |
| Net charge-offs to loans | 0.0052% | 5,898 |
| Credit loss provision to net charge-offs | 1,200.0000% | 207 |
| Earnings coverage of net charge-offs (x) | 549.0000% | 75 |
| Efficiency ratio | 45.6302% | 6,791 |
| Assets per employee ($millions) | 4.3749% | 3,204 |
| Cash dividends to net income (ytd only)* | 106.1492% | 415 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6351% | 6,714 |
| Loan loss allowance to noncurrent loans | 162.0915% | 2,228 |
| Noncurrent assets plus other real estate owned to assets | 0.3497% | 5,639 |
| Noncurrent loans to loans | 0.3918% | 5,514 |
| Net loans and leases to total assets | 88.6969% | 74 |
| Net loans and leases to deposits | 101.8638% | 330 |
| Net loans and leases to core deposits | 112.0434% | 467 |
| Total domestic deposits to total assets | 87.0740% | 2,803 |
| Equity capital to assets | 11.2734% | 2,656 |
| Core capital (leverage) ratio | 9.0661% | 4,793 |
| Tier 1 risk-based capital ratio | 12.4633% | 5,502 |
| Total risk-based capital ratio | 13.2389% | 5,750 |
| Memoranda: | ||
| Average total assets | $43,959,200 | 6,376 |
| Average earning assets | $40,600,600 | 6,342 |
| Average equity | $5,023,600 | 6,280 |
| Average total loans | $38,286,400 | 5,577 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8128% | 394 |
| Cost of funding earning assets | 0.7532% | 3,326 |
| Net interest margin | 5.0596% | 364 |
| Noninterest income to average assets | 0.1939% | 6,139 |
| Noninterest expense to average assets | 2.1539% | 6,055 |
| Loan and lease loss provision to assets | 0.0545% | 5,064 |
| Net operating income to assets | 2.4746% | 184 |
| Return on assets (ROA) | 2.4690% | 203 |
| Pretax return on assets | 2.6598% | 231 |
| Return on Equity (ROE) | 21.5325% | 261 |
| Retained earnings to average equity (ytd only) | 6.1559% | 2,596 |
| Net charge-offs to loans | 0.0105% | 5,566 |
| Credit loss provision to net charge-offs | 600.0000% | 442 |
| Earnings coverage of net charge-offs (x) | 299.3250% | 153 |
| Efficiency ratio | 40.2735% | 7,011 |
| Assets per employee ($millions) | 4.6613% | 2,660 |
| Cash dividends to net income (ytd only)* | 71.4110% | 881 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5739% | 6,893 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 89.5694% | 54 |
| Net loans and leases to deposits | 118.9928% | 80 |
| Net loans and leases to core deposits | 131.5904% | 180 |
| Total domestic deposits to total assets | 75.2730% | 6,480 |
| Equity capital to assets | 11.2050% | 3,029 |
| Core capital (leverage) ratio | 9.7281% | 3,907 |
| Tier 1 risk-based capital ratio | 12.8602% | 5,362 |
| Total risk-based capital ratio | 13.5911% | 5,714 |
| Memoranda: | ||
| Average total assets | $44,011,750 | 6,448 |
| Average earning assets | $40,713,500 | 6,404 |
| Average equity | $5,046,500 | 6,346 |
| Average total loans | $38,095,000 | 5,650 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7113% | 476 |
| Cost of funding earning assets | 0.8116% | 3,101 |
| Net interest margin | 4.8997% | 474 |
| Noninterest income to average assets | 0.1066% | 6,642 |
| Noninterest expense to average assets | 2.1787% | 6,062 |
| Loan and lease loss provision to assets | 0.0556% | 4,965 |
| Net operating income to assets | 2.2343% | 270 |
| Return on assets (ROA) | 2.2343% | 307 |
| Pretax return on assets | 2.4059% | 342 |
| Return on Equity (ROE) | 19.3277% | 393 |
| Retained earnings to average equity (ytd only) | 0.0000% | 6,031 |
| Net charge-offs to loans | -0.0054% | 6,178 |
| Credit loss provision to net charge-offs | -1,200.0000% | 6,429 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.7572% | 6,996 |
| Assets per employee ($millions) | 4.0139% | 3,845 |
| Cash dividends to net income (ytd only)* | 100.0000% | 422 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5965% | 6,939 |
| Loan loss allowance to noncurrent loans | 442.5926% | 824 |
| Noncurrent assets plus other real estate owned to assets | 0.1223% | 6,482 |
| Noncurrent loans to loans | 0.1348% | 6,322 |
| Net loans and leases to total assets | 90.2000% | 39 |
| Net loans and leases to deposits | 113.3352% | 111 |
| Net loans and leases to core deposits | 126.3155% | 243 |
| Total domestic deposits to total assets | 79.5869% | 5,843 |
| Equity capital to assets | 11.2993% | 2,788 |
| Core capital (leverage) ratio | 9.1499% | 4,688 |
| Tier 1 risk-based capital ratio | 9.5919% | 6,914 |
| Total risk-based capital ratio | 10.1646% | 6,992 |
| Memoranda: | ||
| Average total assets | $43,144,670 | 6,506 |
| Average earning assets | $39,920,670 | 6,476 |
| Average equity | $4,987,670 | 6,395 |
| Average total loans | $36,796,000 | 5,743 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4965% | 761 |
| Cost of funding earning assets | 0.8652% | 2,958 |
| Net interest margin | 4.6313% | 774 |
| Noninterest income to average assets | 0.1313% | 6,591 |
| Noninterest expense to average assets | 2.2139% | 6,006 |
| Loan and lease loss provision to assets | 0.0563% | 4,701 |
| Net operating income to assets | 1.9793% | 436 |
| Return on assets (ROA) | 1.9793% | 501 |
| Pretax return on assets | 2.1294% | 602 |
| Return on Equity (ROE) | 16.9240% | 684 |
| Retained earnings to average equity (ytd only) | 0.7219% | 5,772 |
| Net charge-offs to loans | -0.0114% | 5,986 |
| Credit loss provision to net charge-offs | -600.0000% | 5,814 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.8422% | 6,907 |
| Assets per employee ($millions) | 3.8924% | 4,212 |
| Cash dividends to net income (ytd only)* | 95.7346% | 592 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6557% | 6,926 |
| Loan loss allowance to noncurrent loans | 306.5789% | 1,083 |
| Noncurrent assets plus other real estate owned to assets | 0.1775% | 6,440 |
| Noncurrent loans to loans | 0.2139% | 6,259 |
| Net loans and leases to total assets | 82.4482% | 249 |
| Net loans and leases to deposits | 93.9956% | 665 |
| Net loans and leases to core deposits | 105.2348% | 705 |
| Total domestic deposits to total assets | 87.7149% | 2,515 |
| Equity capital to assets | 11.6825% | 2,276 |
| Core capital (leverage) ratio | 9.7227% | 3,742 |
| Tier 1 risk-based capital ratio | 10.5945% | 6,709 |
| Total risk-based capital ratio | 11.2132% | 6,887 |
| Memoranda: | ||
| Average total assets | $42,640,500 | 6,579 |
| Average earning assets | $39,298,000 | 6,551 |
| Average equity | $4,987,000 | 6,433 |
| Average total loans | $35,161,500 | 5,864 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0287% | 413 |
| Cost of funding earning assets | 1.0640% | 2,924 |
| Net interest margin | 4.9647% | 442 |
| Noninterest income to average assets | 0.1395% | 6,459 |
| Noninterest expense to average assets | 2.4209% | 5,718 |
| Loan and lease loss provision to assets | 0.0587% | 5,866 |
| Net operating income to assets | 2.0195% | 296 |
| Return on assets (ROA) | 2.0195% | 317 |
| Pretax return on assets | 2.1712% | 391 |
| Return on Equity (ROE) | 17.0829% | 467 |
| Retained earnings to average equity (ytd only) | 4.8660% | 2,736 |
| Net charge-offs to loans | 0.0086% | 6,308 |
| Credit loss provision to net charge-offs | 800.0000% | 273 |
| Earnings coverage of net charge-offs (x) | 303.6667% | 120 |
| Efficiency ratio | 47.6316% | 6,963 |
| Assets per employee ($millions) | 4.2465% | 3,377 |
| Cash dividends to net income (ytd only)* | 71.5152% | 1,080 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6496% | 6,962 |
| Loan loss allowance to noncurrent loans | 86.9231% | 3,438 |
| Noncurrent assets plus other real estate owned to assets | 0.6123% | 5,428 |
| Noncurrent loans to loans | 0.7474% | 5,202 |
| Net loans and leases to total assets | 81.3917% | 382 |
| Net loans and leases to deposits | 92.8389% | 896 |
| Net loans and leases to core deposits | 103.4232% | 936 |
| Total domestic deposits to total assets | 87.6698% | 2,359 |
| Equity capital to assets | 11.7085% | 2,336 |
| Core capital (leverage) ratio | 9.7062% | 3,737 |
| Tier 1 risk-based capital ratio | 10.6895% | 6,612 |
| Total risk-based capital ratio | 11.2994% | 6,831 |
| Memoranda: | ||
| Average total assets | $40,852,400 | 6,644 |
| Average earning assets | $37,122,400 | 6,638 |
| Average equity | $4,829,400 | 6,501 |
| Average total loans | $34,687,600 | 5,928 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0287% | 434 |
| Cost of funding earning assets | 1.0836% | 3,086 |
| Net interest margin | 4.9451% | 462 |
| Noninterest income to average assets | 0.1516% | 6,499 |
| Noninterest expense to average assets | 2.1623% | 6,365 |
| Loan and lease loss provision to assets | 0.0593% | 5,701 |
| Net operating income to assets | 2.2480% | 237 |
| Return on assets (ROA) | 2.2480% | 255 |
| Pretax return on assets | 2.4129% | 288 |
| Return on Equity (ROE) | 18.9687% | 389 |
| Retained earnings to average equity (ytd only) | 5.0898% | 3,118 |
| Net charge-offs to loans | 0.0115% | 5,990 |
| Credit loss provision to net charge-offs | 600.0000% | 448 |
| Earnings coverage of net charge-offs (x) | 249.9950% | 162 |
| Efficiency ratio | 42.1764% | 7,204 |
| Assets per employee ($millions) | 4.3190% | 3,241 |
| Cash dividends to net income (ytd only)* | 73.1676% | 789 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5848% | 7,101 |
| Loan loss allowance to noncurrent loans | 84.2912% | 3,422 |
| Noncurrent assets plus other real estate owned to assets | 0.6043% | 5,612 |
| Noncurrent loans to loans | 0.6938% | 5,499 |
| Net loans and leases to total assets | 86.5872% | 116 |
| Net loans and leases to deposits | 108.1620% | 207 |
| Net loans and leases to core deposits | 122.4365% | 329 |
| Total domestic deposits to total assets | 80.0533% | 5,717 |
| Equity capital to assets | 11.3823% | 2,793 |
| Core capital (leverage) ratio | 9.4909% | 4,161 |
| Tier 1 risk-based capital ratio | 9.8133% | 7,002 |
| Total risk-based capital ratio | 10.3684% | 7,099 |
| Memoranda: | ||
| Average total assets | $40,449,250 | 6,714 |
| Average earning assets | $36,668,250 | 6,713 |
| Average equity | $4,793,750 | 6,561 |
| Average total loans | $34,662,250 | 5,983 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9285% | 546 |
| Cost of funding earning assets | 1.1165% | 3,115 |
| Net interest margin | 4.8121% | 588 |
| Noninterest income to average assets | 0.1012% | 6,815 |
| Noninterest expense to average assets | 2.1904% | 6,410 |
| Loan and lease loss provision to assets | 0.0607% | 5,547 |
| Net operating income to assets | 2.0640% | 314 |
| Return on assets (ROA) | 2.0640% | 322 |
| Pretax return on assets | 2.2107% | 404 |
| Return on Equity (ROE) | 17.1681% | 535 |
| Retained earnings to average equity (ytd only) | 4.1658% | 3,543 |
| Net charge-offs to loans | 0.0178% | 5,589 |
| Credit loss provision to net charge-offs | 400.0000% | 744 |
| Earnings coverage of net charge-offs (x) | 149.6667% | 238 |
| Efficiency ratio | 44.3311% | 7,221 |
| Assets per employee ($millions) | 4.0506% | 3,655 |
| Cash dividends to net income (ytd only)* | 75.7353% | 896 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6121% | 7,126 |
| Loan loss allowance to noncurrent loans | 77.8182% | 3,632 |
| Noncurrent assets plus other real estate owned to assets | 0.7505% | 5,404 |
| Noncurrent loans to loans | 0.7866% | 5,339 |
| Net loans and leases to total assets | 85.7848% | 147 |
| Net loans and leases to deposits | 100.9324% | 451 |
| Net loans and leases to core deposits | 111.4468% | 675 |
| Total domestic deposits to total assets | 84.9923% | 3,884 |
| Equity capital to assets | 11.8945% | 2,168 |
| Core capital (leverage) ratio | 9.7927% | 3,532 |
| Tier 1 risk-based capital ratio | 10.2701% | 6,885 |
| Total risk-based capital ratio | 10.8509% | 7,088 |
| Memoranda: | ||
| Average total assets | $39,535,670 | 6,803 |
| Average earning assets | $35,826,670 | 6,806 |
| Average equity | $4,753,000 | 6,614 |
| Average total loans | $33,677,330 | 6,093 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8602% | 657 |
| Cost of funding earning assets | 1.1630% | 3,071 |
| Net interest margin | 4.6972% | 709 |
| Noninterest income to average assets | 0.1127% | 6,850 |
| Noninterest expense to average assets | 2.2125% | 6,394 |
| Loan and lease loss provision to assets | 0.0615% | 5,227 |
| Net operating income to assets | 1.9667% | 366 |
| Return on assets (ROA) | 1.9667% | 382 |
| Pretax return on assets | 2.0998% | 471 |
| Return on Equity (ROE) | 16.2695% | 647 |
| Retained earnings to average equity (ytd only) | 3.6437% | 3,990 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.2623% | 7,273 |
| Assets per employee ($millions) | 3.9217% | 4,015 |
| Cash dividends to net income (ytd only)* | 77.6042% | 879 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6538% | 7,138 |
| Loan loss allowance to noncurrent loans | 81.1538% | 3,481 |
| Noncurrent assets plus other real estate owned to assets | 0.7318% | 5,471 |
| Noncurrent loans to loans | 0.8056% | 5,421 |
| Net loans and leases to total assets | 81.7579% | 363 |
| Net loans and leases to deposits | 93.7432% | 856 |
| Net loans and leases to core deposits | 103.6229% | 1,085 |
| Total domestic deposits to total assets | 87.2147% | 2,820 |
| Equity capital to assets | 12.0917% | 1,864 |
| Core capital (leverage) ratio | 9.7571% | 3,440 |
| Tier 1 risk-based capital ratio | 10.7649% | 6,656 |
| Total risk-based capital ratio | 11.3776% | 6,963 |
| Memoranda: | ||
| Average total assets | $39,050,500 | 6,868 |
| Average earning assets | $35,425,500 | 6,866 |
| Average equity | $4,720,500 | 6,645 |
| Average total loans | $33,035,000 | 6,183 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2426% | 517 |
| Cost of funding earning assets | 1.3848% | 3,360 |
| Net interest margin | 4.8578% | 591 |
| Noninterest income to average assets | 0.0834% | 6,974 |
| Noninterest expense to average assets | 2.4050% | 6,082 |
| Loan and lease loss provision to assets | 0.0606% | 6,539 |
| Net operating income to assets | 1.8417% | 377 |
| Return on assets (ROA) | 1.8417% | 408 |
| Pretax return on assets | 2.0135% | 467 |
| Return on Equity (ROE) | 15.1559% | 696 |
| Retained earnings to average equity (ytd only) | 0.8524% | 5,121 |
| Net charge-offs to loans | 0.0586% | 6,206 |
| Credit loss provision to net charge-offs | 120.0000% | 3,519 |
| Earnings coverage of net charge-offs (x) | 41.0500% | 567 |
| Efficiency ratio | 48.7310% | 7,219 |
| Assets per employee ($millions) | 3.8884% | 4,035 |
| Cash dividends to net income (ytd only)* | 94.3759% | 486 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6066% | 7,255 |
| Loan loss allowance to noncurrent loans | 78.8462% | 3,583 |
| Noncurrent assets plus other real estate owned to assets | 0.6687% | 5,666 |
| Noncurrent loans to loans | 0.7693% | 5,510 |
| Net loans and leases to total assets | 86.3877% | 169 |
| Net loans and leases to deposits | 103.6599% | 414 |
| Net loans and leases to core deposits | 114.8567% | 682 |
| Total domestic deposits to total assets | 83.3376% | 4,669 |
| Equity capital to assets | 12.0847% | 1,861 |
| Core capital (leverage) ratio | 9.4140% | 3,824 |
| Tier 1 risk-based capital ratio | 10.1746% | 6,891 |
| Total risk-based capital ratio | 10.7473% | 7,145 |
| Memoranda: | ||
| Average total assets | $39,583,400 | 6,881 |
| Average earning assets | $35,818,400 | 6,881 |
| Average equity | $4,810,000 | 6,720 |
| Average total loans | $34,129,000 | 6,202 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2564% | 551 |
| Cost of funding earning assets | 1.4195% | 3,459 |
| Net interest margin | 4.8368% | 620 |
| Noninterest income to average assets | 0.0805% | 7,131 |
| Noninterest expense to average assets | 2.1328% | 6,777 |
| Loan and lease loss provision to assets | 0.0604% | 6,462 |
| Net operating income to assets | 2.1127% | 279 |
| Return on assets (ROA) | 2.1127% | 299 |
| Pretax return on assets | 2.2636% | 365 |
| Return on Equity (ROE) | 17.3630% | 549 |
| Retained earnings to average equity (ytd only) | 10.0594% | 781 |
| Net charge-offs to loans | 0.0039% | 6,622 |
| Credit loss provision to net charge-offs | 1,800.0000% | 176 |
| Earnings coverage of net charge-offs (x) | 694.7218% | 36 |
| Efficiency ratio | 42.9646% | 7,500 |
| Assets per employee ($millions) | 4.0113% | 3,808 |
| Cash dividends to net income (ytd only)* | 42.0629% | 1,996 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6289% | 7,312 |
| Loan loss allowance to noncurrent loans | 351.6129% | 846 |
| Noncurrent assets plus other real estate owned to assets | 0.1546% | 6,970 |
| Noncurrent loans to loans | 0.1789% | 6,825 |
| Net loans and leases to total assets | 85.8724% | 212 |
| Net loans and leases to deposits | 103.2214% | 469 |
| Net loans and leases to core deposits | 117.1991% | 711 |
| Total domestic deposits to total assets | 83.1925% | 4,512 |
| Equity capital to assets | 12.5894% | 1,818 |
| Core capital (leverage) ratio | 9.8423% | 3,440 |
| Tier 1 risk-based capital ratio | 10.7375% | 6,606 |
| Total risk-based capital ratio | 11.3310% | 7,005 |
| Memoranda: | ||
| Average total assets | $39,758,250 | 6,955 |
| Average earning assets | $35,973,000 | 6,960 |
| Average equity | $4,837,750 | 6,800 |
| Average total loans | $34,212,250 | 6,283 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1575% | 679 |
| Cost of funding earning assets | 1.4626% | 3,477 |
| Net interest margin | 4.6949% | 821 |
| Noninterest income to average assets | 0.0757% | 7,211 |
| Noninterest expense to average assets | 2.1090% | 6,875 |
| Loan and lease loss provision to assets | 0.0605% | 6,344 |
| Net operating income to assets | 2.0081% | 326 |
| Return on assets (ROA) | 2.0081% | 358 |
| Pretax return on assets | 2.1493% | 448 |
| Return on Equity (ROE) | 16.6981% | 610 |
| Retained earnings to average equity (ytd only) | 11.0342% | 650 |
| Net charge-offs to loans | 0.0059% | 6,290 |
| Credit loss provision to net charge-offs | 1,200.0000% | 321 |
| Earnings coverage of net charge-offs (x) | 438.0000% | 75 |
| Efficiency ratio | 43.8084% | 7,529 |
| Assets per employee ($millions) | 4.1182% | 3,544 |
| Cash dividends to net income (ytd only)* | 33.9196% | 2,367 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5965% | 7,419 |
| Loan loss allowance to noncurrent loans | 341.9355% | 859 |
| Noncurrent assets plus other real estate owned to assets | 0.1506% | 7,014 |
| Noncurrent loans to loans | 0.1744% | 6,905 |
| Net loans and leases to total assets | 85.7923% | 241 |
| Net loans and leases to deposits | 110.4646% | 261 |
| Net loans and leases to core deposits | 123.7730% | 576 |
| Total domestic deposits to total assets | 77.6650% | 6,347 |
| Equity capital to assets | 11.9785% | 2,109 |
| Core capital (leverage) ratio | 9.6975% | 3,543 |
| Tier 1 risk-based capital ratio | 10.2065% | 6,907 |
| Total risk-based capital ratio | 10.7728% | 7,257 |
| Memoranda: | ||
| Average total assets | $39,640,000 | 7,012 |
| Average earning assets | $35,826,330 | 7,008 |
| Average equity | $4,767,000 | 6,855 |
| Average total loans | $34,061,670 | 6,331 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1654% | 690 |
| Cost of funding earning assets | 1.5157% | 3,451 |
| Net interest margin | 4.6497% | 868 |
| Noninterest income to average assets | 0.0926% | 7,247 |
| Noninterest expense to average assets | 2.1508% | 6,805 |
| Loan and lease loss provision to assets | 0.0617% | 6,025 |
| Net operating income to assets | 1.9450% | 381 |
| Return on assets (ROA) | 1.9450% | 417 |
| Pretax return on assets | 2.0788% | 524 |
| Return on Equity (ROE) | 16.1401% | 697 |
| Retained earnings to average equity (ytd only) | 4.6114% | 3,371 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.0839% | 7,587 |
| Assets per employee ($millions) | 3.9047% | 4,087 |
| Cash dividends to net income (ytd only)* | 71.4286% | 1,004 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6167% | 7,475 |
| Loan loss allowance to noncurrent loans | 381.4815% | 820 |
| Noncurrent assets plus other real estate owned to assets | 0.1383% | 7,137 |
| Noncurrent loans to loans | 0.1617% | 7,015 |
| Net loans and leases to total assets | 85.0232% | 287 |
| Net loans and leases to deposits | 102.3934% | 621 |
| Net loans and leases to core deposits | 116.7047% | 919 |
| Total domestic deposits to total assets | 83.0358% | 4,607 |
| Equity capital to assets | 12.0803% | 1,997 |
| Core capital (leverage) ratio | 9.4379% | 3,870 |
| Tier 1 risk-based capital ratio | 10.1651% | 6,915 |
| Total risk-based capital ratio | 10.7484% | 7,300 |
| Memoranda: | ||
| Average total assets | $38,869,000 | 7,122 |
| Average earning assets | $35,099,000 | 7,123 |
| Average equity | $4,684,000 | 6,951 |
| Average total loans | $33,321,000 | 6,446 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2710% | 1,077 |
| Cost of funding earning assets | 1.8825% | 3,550 |
| Net interest margin | 4.3885% | 1,470 |
| Noninterest income to average assets | 0.0676% | 7,412 |
| Noninterest expense to average assets | 2.3521% | 6,598 |
| Loan and lease loss provision to assets | 0.0312% | 7,218 |
| Net operating income to assets | 1.5119% | 654 |
| Return on assets (ROA) | 1.5143% | 698 |
| Pretax return on assets | 1.6236% | 914 |
| Return on Equity (ROE) | 12.6094% | 1,037 |
| Retained earnings to average equity (ytd only) | 1.2133% | 4,190 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.7394% | 6,655 |
| Assets per employee ($millions) | 3.5174% | 4,970 |
| Cash dividends to net income (ytd only)* | 90.3780% | 839 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6047% | 7,547 |
| 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 | 85.3842% | 318 |
| Net loans and leases to deposits | 106.5987% | 518 |
| Net loans and leases to core deposits | 147.1865% | 581 |
| Total domestic deposits to total assets | 80.0987% | 5,644 |
| Equity capital to assets | 12.0209% | 2,028 |
| Core capital (leverage) ratio | 9.1247% | 4,237 |
| Tier 1 risk-based capital ratio | 9.9832% | 6,887 |
| Total risk-based capital ratio | 10.5543% | 7,318 |
| Memoranda: | ||
| Average total assets | $38,434,000 | 7,154 |
| Average earning assets | $34,476,200 | 7,162 |
| Average equity | $4,615,600 | 7,076 |
| Average total loans | $29,955,800 | 6,626 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2058% | 1,365 |
| Cost of funding earning assets | 1.9534% | 3,605 |
| Net interest margin | 4.2524% | 1,865 |
| Noninterest income to average assets | 0.0730% | 7,545 |
| Noninterest expense to average assets | 2.1579% | 7,086 |
| Loan and lease loss provision to assets | 0.0313% | 7,042 |
| Net operating income to assets | 1.5746% | 698 |
| Return on assets (ROA) | 1.5811% | 742 |
| Pretax return on assets | 1.6957% | 979 |
| Return on Equity (ROE) | 13.1687% | 1,077 |
| Retained earnings to average equity (ytd only) | 3.8782% | 3,125 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.6452% | 7,050 |
| Assets per employee ($millions) | 3.6385% | 4,581 |
| Cash dividends to net income (ytd only)* | 70.5497% | 1,247 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5854% | 7,604 |
| Loan loss allowance to noncurrent loans | 68.0412% | 3,907 |
| Noncurrent assets plus other real estate owned to assets | 0.7271% | 5,676 |
| Noncurrent loans to loans | 0.8603% | 5,576 |
| Net loans and leases to total assets | 84.0146% | 539 |
| Net loans and leases to deposits | 107.8171% | 567 |
| Net loans and leases to core deposits | 152.3331% | 530 |
| Total domestic deposits to total assets | 77.9232% | 6,110 |
| Equity capital to assets | 11.8779% | 2,306 |
| Core capital (leverage) ratio | 9.2480% | 4,265 |
| Tier 1 risk-based capital ratio | 9.9364% | 7,030 |
| Total risk-based capital ratio | 10.4867% | 7,513 |
| Memoranda: | ||
| Average total assets | $38,369,750 | 7,220 |
| Average earning assets | $34,332,500 | 7,234 |
| Average equity | $4,606,750 | 7,144 |
| Average total loans | $29,135,500 | 6,733 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1064% | 1,771 |
| Cost of funding earning assets | 2.0374% | 3,588 |
| Net interest margin | 4.0689% | 2,439 |
| Noninterest income to average assets | 0.0793% | 7,585 |
| Noninterest expense to average assets | 2.1154% | 7,243 |
| Loan and lease loss provision to assets | 0.0317% | 6,925 |
| Net operating income to assets | 1.4547% | 924 |
| Return on assets (ROA) | 1.4596% | 982 |
| Pretax return on assets | 1.5707% | 1,276 |
| Return on Equity (ROE) | 12.1115% | 1,380 |
| Retained earnings to average equity (ytd only) | 2.3696% | 4,016 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.9801% | 6,992 |
| Assets per employee ($millions) | 3.8808% | 3,913 |
| Cash dividends to net income (ytd only)* | 80.4348% | 1,074 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6136% | 7,612 |
| Loan loss allowance to noncurrent loans | 86.2832% | 3,288 |
| Noncurrent assets plus other real estate owned to assets | 0.5824% | 5,960 |
| Noncurrent loans to loans | 0.7112% | 5,815 |
| Net loans and leases to total assets | 81.3827% | 1,076 |
| Net loans and leases to deposits | 112.1794% | 469 |
| Net loans and leases to core deposits | 142.0866% | 929 |
| Total domestic deposits to total assets | 72.5469% | 7,177 |
| Equity capital to assets | 11.9383% | 2,241 |
| Core capital (leverage) ratio | 9.2431% | 4,247 |
| Tier 1 risk-based capital ratio | 10.2563% | 6,641 |
| Total risk-based capital ratio | 10.8322% | 7,279 |
| Memoranda: | ||
| Average total assets | $37,818,330 | 7,300 |
| Average earning assets | $33,768,000 | 7,329 |
| Average equity | $4,557,670 | 7,221 |
| Average total loans | $27,572,670 | 6,875 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9048% | 2,768 |
| Cost of funding earning assets | 2.1417% | 3,456 |
| Net interest margin | 3.7631% | 3,606 |
| Noninterest income to average assets | 0.0750% | 7,676 |
| Noninterest expense to average assets | 2.1541% | 6,998 |
| Loan and lease loss provision to assets | 0.0322% | 6,531 |
| Net operating income to assets | 1.1368% | 1,844 |
| Return on assets (ROA) | 1.1467% | 1,939 |
| Pretax return on assets | 1.2325% | 2,509 |
| Return on Equity (ROE) | 9.4690% | 2,543 |
| Retained earnings to average equity (ytd only) | -10.1770% | 7,132 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2075% | 5,829 |
| Assets per employee ($millions) | 3.8138% | 4,055 |
| Cash dividends to net income (ytd only)* | 207.4766% | 282 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7116% | 7,409 |
| Loan loss allowance to noncurrent loans | 9,600.0000% | 62 |
| Noncurrent assets plus other real estate owned to assets | 0.0052% | 7,636 |
| Noncurrent loans to loans | 0.0074% | 7,553 |
| Net loans and leases to total assets | 70.2475% | 3,617 |
| Net loans and leases to deposits | 88.7325% | 3,150 |
| Net loans and leases to core deposits | 108.3384% | 3,632 |
| Total domestic deposits to total assets | 79.1678% | 5,658 |
| Equity capital to assets | 11.7049% | 2,446 |
| Core capital (leverage) ratio | 9.1694% | 4,451 |
| Tier 1 risk-based capital ratio | 10.9627% | 5,934 |
| Total risk-based capital ratio | 11.6038% | 6,452 |
| Memoranda: | ||
| Average total assets | $37,323,500 | 7,357 |
| Average earning assets | $33,058,000 | 7,403 |
| Average equity | $4,520,000 | 7,283 |
| Average total loans | $25,470,000 | 7,030 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8846% | 1,446 |
| Cost of funding earning assets | 2.7989% | 2,710 |
| Net interest margin | 4.0857% | 2,775 |
| Noninterest income to average assets | 0.0845% | 7,716 |
| Noninterest expense to average assets | 2.2561% | 6,818 |
| Loan and lease loss provision to assets | 0.0211% | 7,127 |
| Net operating income to assets | 1.3370% | 1,380 |
| Return on assets (ROA) | 1.3394% | 1,324 |
| Pretax return on assets | 1.4504% | 1,824 |
| Return on Equity (ROE) | 10.9074% | 1,932 |
| Retained earnings to average equity (ytd only) | 0.7100% | 4,806 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5674% | 6,249 |
| Assets per employee ($millions) | 4.0566% | 3,396 |
| Cash dividends to net income (ytd only)* | 93.4911% | 1,172 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7889% | 7,148 |
| 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 | 65.1018% | 5,035 |
| Net loans and leases to deposits | 83.3000% | 4,525 |
| Net loans and leases to core deposits | 103.7677% | 4,415 |
| Total domestic deposits to total assets | 78.1533% | 5,663 |
| Equity capital to assets | 12.5339% | 1,994 |
| Core capital (leverage) ratio | 9.3485% | 4,235 |
| Tier 1 risk-based capital ratio | 12.4811% | 4,452 |
| Total risk-based capital ratio | 13.1794% | 4,767 |
| Memoranda: | ||
| Average total assets | $37,852,600 | 7,311 |
| Average earning assets | $33,727,600 | 7,337 |
| Average equity | $4,648,200 | 7,280 |
| Average total loans | $27,619,400 | 6,869 |