Home > Bank of Newman Grove > Performance and Condition Ratios
Bank of Newman Grove, Performance and Condition Ratios
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7941% | 4,719 |
| Cost of funding earning assets | 0.2159% | 3,308 |
| Net interest margin | 1.5782% | 4,714 |
| Noninterest income to average assets | 0.4524% | 2,805 |
| Noninterest expense to average assets | 2.5807% | 1,922 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | -0.6516% | 4,774 |
| Return on assets (ROA) | -0.6516% | 4,778 |
| Pretax return on assets | -0.6516% | 4,775 |
| Return on Equity (ROE) | -6.4243% | 4,791 |
| Retained earnings to average equity (ytd only) | -24.6591% | 4,817 |
| Net charge-offs to loans | 1.1512% | 53 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | -1.4679% | 2,661 |
| Efficiency ratio | 133.7758% | 52 |
| Assets per employee ($millions) | 9.0343% | 910 |
| Cash dividends to net income (ytd only)* | -283.8428% | 4,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0094% | 3,707 |
| Loan loss allowance to noncurrent loans | 18.1682% | 4,093 |
| Noncurrent assets plus other real estate owned to assets | 1.8430% | 189 |
| Noncurrent loans to loans | 5.5560% | 61 |
| Net loans and leases to total assets | 32.8362% | 4,415 |
| Net loans and leases to deposits | 36.9899% | 4,448 |
| Net loans and leases to core deposits | 38.2848% | 4,449 |
| Total domestic deposits to total assets | 88.7705% | 1,631 |
| Equity capital to assets | 7.7953% | 4,470 |
| Core capital (leverage) ratio | 8.4325% | 3,994 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5093% | 1,385 |
| Memoranda: | ||
| Average total assets | $35,146,000 | 4,708 |
| Average earning assets | $32,885,200 | 4,690 |
| Average equity | $3,564,600 | 4,738 |
| Average total loans | $13,551,200 | 4,673 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9862% | 4,765 |
| Cost of funding earning assets | 0.2089% | 3,526 |
| Net interest margin | 1.7773% | 4,752 |
| Noninterest income to average assets | 0.4699% | 2,751 |
| Noninterest expense to average assets | 2.3573% | 2,574 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | -0.2292% | 4,802 |
| Return on assets (ROA) | -0.2292% | 4,808 |
| Pretax return on assets | -0.2292% | 4,805 |
| Return on Equity (ROE) | -2.1324% | 4,807 |
| Retained earnings to average equity (ytd only) | -2.1324% | 4,707 |
| Net charge-offs to loans | 0.6312% | 124 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | -0.9091% | 2,417 |
| Efficiency ratio | 110.7720% | 98 |
| Assets per employee ($millions) | 8.4213% | 1,077 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6109% | 1,315 |
| Loan loss allowance to noncurrent loans | 22.7126% | 4,172 |
| Noncurrent assets plus other real estate owned to assets | 2.7579% | 104 |
| Noncurrent loans to loans | 7.0927% | 36 |
| Net loans and leases to total assets | 38.2574% | 4,286 |
| Net loans and leases to deposits | 45.3863% | 4,257 |
| Net loans and leases to core deposits | 47.1878% | 4,274 |
| Total domestic deposits to total assets | 84.2927% | 3,373 |
| Equity capital to assets | 11.0910% | 1,949 |
| Core capital (leverage) ratio | 11.0848% | 1,629 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.6750% | 628 |
| Memoranda: | ||
| Average total assets | $34,898,250 | 4,783 |
| Average earning assets | $32,557,750 | 4,764 |
| Average equity | $3,751,500 | 4,793 |
| Average total loans | $13,942,250 | 4,740 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9849% | 4,810 |
| Cost of funding earning assets | 0.2131% | 3,625 |
| Net interest margin | 1.7718% | 4,793 |
| Noninterest income to average assets | 0.5099% | 2,585 |
| Noninterest expense to average assets | 2.4417% | 2,335 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | -0.2833% | 4,838 |
| Return on assets (ROA) | -0.2833% | 4,842 |
| Pretax return on assets | -0.2833% | 4,842 |
| Return on Equity (ROE) | -2.6619% | 4,852 |
| Retained earnings to average equity (ytd only) | -2.6619% | 4,701 |
| Net charge-offs to loans | 0.5203% | 152 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | -1.3514% | 2,211 |
| Efficiency ratio | 113.1234% | 93 |
| Assets per employee ($millions) | 7.0428% | 1,772 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7575% | 956 |
| Loan loss allowance to noncurrent loans | 53.6913% | 3,907 |
| Noncurrent assets plus other real estate owned to assets | 1.2694% | 517 |
| Noncurrent loans to loans | 3.2733% | 206 |
| Net loans and leases to total assets | 38.0985% | 4,381 |
| Net loans and leases to deposits | 44.8516% | 4,357 |
| Net loans and leases to core deposits | 46.5365% | 4,379 |
| Total domestic deposits to total assets | 84.9435% | 3,122 |
| Equity capital to assets | 10.6009% | 2,311 |
| Core capital (leverage) ratio | 10.8594% | 1,685 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.8082% | 837 |
| Memoranda: | ||
| Average total assets | $35,302,667 | 4,810 |
| Average earning assets | $32,847,333 | 4,792 |
| Average equity | $3,756,667 | 4,822 |
| Average total loans | $14,223,667 | 4,769 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1106% | 4,814 |
| Cost of funding earning assets | 0.2454% | 3,515 |
| Net interest margin | 1.8652% | 4,787 |
| Noninterest income to average assets | 0.6224% | 2,121 |
| Noninterest expense to average assets | 2.4330% | 2,389 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | -0.0905% | 4,809 |
| Return on assets (ROA) | -0.0905% | 4,811 |
| Pretax return on assets | -0.0905% | 4,811 |
| Return on Equity (ROE) | -0.8491% | 4,822 |
| Retained earnings to average equity (ytd only) | -0.8491% | 4,445 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.8647% | 149 |
| Assets per employee ($millions) | 6.9348% | 1,841 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1377% | 467 |
| Loan loss allowance to noncurrent loans | 325.8824% | 1,636 |
| Noncurrent assets plus other real estate owned to assets | 0.2451% | 2,907 |
| Noncurrent loans to loans | 0.6560% | 1,931 |
| Net loans and leases to total assets | 36.5721% | 4,479 |
| Net loans and leases to deposits | 43.3168% | 4,451 |
| Net loans and leases to core deposits | 44.9793% | 4,473 |
| Total domestic deposits to total assets | 84.4293% | 3,306 |
| Equity capital to assets | 10.7487% | 2,039 |
| Core capital (leverage) ratio | 10.7657% | 1,892 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.2951% | 754 |
| Memoranda: | ||
| Average total assets | $35,347,000 | 4,831 |
| Average earning assets | $32,597,000 | 4,815 |
| Average equity | $3,768,500 | 4,845 |
| Average total loans | $14,507,500 | 4,792 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8550% | 4,728 |
| Cost of funding earning assets | 0.4204% | 3,456 |
| Net interest margin | 2.4346% | 4,635 |
| Noninterest income to average assets | 0.3890% | 3,160 |
| Noninterest expense to average assets | 2.5737% | 2,630 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.0366% | 4,706 |
| Return on assets (ROA) | 0.0366% | 4,742 |
| Pretax return on assets | 0.0846% | 4,713 |
| Return on Equity (ROE) | 0.3440% | 4,738 |
| Retained earnings to average equity (ytd only) | -0.8204% | 4,620 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.8187% | 220 |
| Assets per employee ($millions) | 4.5025% | 3,911 |
| Cash dividends to net income (ytd only)* | 338.4615% | 23 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7251% | 983 |
| Loan loss allowance to noncurrent loans | 89.0675% | 3,480 |
| Noncurrent assets plus other real estate owned to assets | 0.8634% | 1,162 |
| Noncurrent loans to loans | 1.9368% | 610 |
| Net loans and leases to total assets | 43.8090% | 4,259 |
| Net loans and leases to deposits | 52.6984% | 4,185 |
| Net loans and leases to core deposits | 54.6721% | 4,224 |
| Total domestic deposits to total assets | 83.1316% | 3,370 |
| Equity capital to assets | 10.5775% | 2,606 |
| Core capital (leverage) ratio | 10.7889% | 1,944 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2009% | 1,021 |
| Memoranda: | ||
| Average total assets | $35,474,000 | 4,823 |
| Average earning assets | $33,065,000 | 4,812 |
| Average equity | $3,778,800 | 4,857 |
| Average total loans | $19,281,600 | 4,732 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0523% | 4,700 |
| Cost of funding earning assets | 0.4674% | 3,436 |
| Net interest margin | 2.5849% | 4,583 |
| Noninterest income to average assets | 0.3660% | 3,265 |
| Noninterest expense to average assets | 2.6298% | 2,447 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.0830% | 4,718 |
| Return on assets (ROA) | 0.0830% | 4,744 |
| Pretax return on assets | 0.1358% | 4,699 |
| Return on Equity (ROE) | 0.7778% | 4,727 |
| Retained earnings to average equity (ytd only) | -0.7778% | 4,592 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.0887% | 241 |
| Assets per employee ($millions) | 4.6189% | 3,701 |
| Cash dividends to net income (ytd only)* | 200.0000% | 64 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5368% | 1,278 |
| Loan loss allowance to noncurrent loans | 49.3761% | 4,039 |
| Noncurrent assets plus other real estate owned to assets | 1.5182% | 554 |
| Noncurrent loans to loans | 3.1125% | 292 |
| Net loans and leases to total assets | 48.0285% | 4,210 |
| Net loans and leases to deposits | 59.9865% | 4,058 |
| Net loans and leases to core deposits | 62.8212% | 4,062 |
| Total domestic deposits to total assets | 80.0655% | 3,853 |
| Equity capital to assets | 10.2974% | 2,967 |
| Core capital (leverage) ratio | 11.1910% | 1,763 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6299% | 1,341 |
| Memoranda: | ||
| Average total assets | $35,337,500 | 4,850 |
| Average earning assets | $32,804,750 | 4,839 |
| Average equity | $3,771,000 | 4,883 |
| Average total loans | $20,087,750 | 4,746 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5499% | 4,352 |
| Cost of funding earning assets | 0.5231% | 3,399 |
| Net interest margin | 3.0268% | 4,064 |
| Noninterest income to average assets | 0.3218% | 3,535 |
| Noninterest expense to average assets | 2.6839% | 2,432 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.3678% | 4,295 |
| Return on assets (ROA) | 0.3678% | 4,354 |
| Pretax return on assets | 0.4310% | 4,372 |
| Return on Equity (ROE) | 3.4046% | 4,259 |
| Retained earnings to average equity (ytd only) | 1.0639% | 4,084 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.1624% | 530 |
| Assets per employee ($millions) | 4.4944% | 3,791 |
| Cash dividends to net income (ytd only)* | 68.7500% | 976 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4207% | 1,515 |
| Loan loss allowance to noncurrent loans | 106.5385% | 3,131 |
| Noncurrent assets plus other real estate owned to assets | 0.7231% | 1,704 |
| Noncurrent loans to loans | 1.3335% | 1,152 |
| Net loans and leases to total assets | 53.4585% | 3,920 |
| Net loans and leases to deposits | 65.8750% | 3,732 |
| Net loans and leases to core deposits | 69.0236% | 3,784 |
| Total domestic deposits to total assets | 81.1514% | 3,569 |
| Equity capital to assets | 10.6689% | 2,601 |
| Core capital (leverage) ratio | 11.8342% | 1,475 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7173% | 1,313 |
| Memoranda: | ||
| Average total assets | $34,799,667 | 4,882 |
| Average earning assets | $32,113,333 | 4,873 |
| Average equity | $3,759,667 | 4,915 |
| Average total loans | $20,775,667 | 4,757 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0737% | 3,596 |
| Cost of funding earning assets | 0.5874% | 3,496 |
| Net interest margin | 3.4863% | 3,029 |
| Noninterest income to average assets | 0.3156% | 3,628 |
| Noninterest expense to average assets | 2.6650% | 2,800 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.7481% | 3,100 |
| Return on assets (ROA) | 0.7481% | 3,173 |
| Pretax return on assets | 0.8416% | 3,305 |
| Return on Equity (ROE) | 6.8789% | 3,001 |
| Retained earnings to average equity (ytd only) | 5.8041% | 1,953 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.0000% | 1,563 |
| Assets per employee ($millions) | 4.4735% | 3,298 |
| Cash dividends to net income (ytd only)* | 15.6250% | 2,414 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3989% | 1,708 |
| Loan loss allowance to noncurrent loans | 369.3333% | 1,275 |
| Noncurrent assets plus other real estate owned to assets | 0.2096% | 3,638 |
| Noncurrent loans to loans | 0.3788% | 3,130 |
| Net loans and leases to total assets | 54.5546% | 3,941 |
| Net loans and leases to deposits | 67.8411% | 3,737 |
| Net loans and leases to core deposits | 71.1179% | 3,810 |
| Total domestic deposits to total assets | 80.4152% | 3,774 |
| Equity capital to assets | 10.4057% | 3,412 |
| Core capital (leverage) ratio | 11.5283% | 2,045 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1500% | 1,311 |
| Memoranda: | ||
| Average total assets | $34,222,000 | 4,926 |
| Average earning assets | $31,322,500 | 4,919 |
| Average equity | $3,721,500 | 4,963 |
| Average total loans | $21,414,500 | 4,776 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3310% | 3,455 |
| Cost of funding earning assets | 0.6550% | 3,386 |
| Net interest margin | 3.6760% | 2,882 |
| Noninterest income to average assets | 0.4891% | 2,803 |
| Noninterest expense to average assets | 3.0596% | 1,853 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.8268% | 3,466 |
| Return on assets (ROA) | 0.8268% | 3,561 |
| Pretax return on assets | 0.8442% | 3,893 |
| Return on Equity (ROE) | 8.0235% | 3,152 |
| Retained earnings to average equity (ytd only) | 7.0064% | 1,389 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.3743% | 1,109 |
| Assets per employee ($millions) | 4.0820% | 3,806 |
| Cash dividends to net income (ytd only)* | 12.6761% | 3,692 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2029% | 2,425 |
| Loan loss allowance to noncurrent loans | 130.0469% | 2,836 |
| Noncurrent assets plus other real estate owned to assets | 0.6523% | 1,953 |
| Noncurrent loans to loans | 0.9250% | 1,658 |
| Net loans and leases to total assets | 69.6687% | 2,453 |
| Net loans and leases to deposits | 83.5727% | 2,372 |
| Net loans and leases to core deposits | 86.9953% | 2,710 |
| Total domestic deposits to total assets | 83.3629% | 3,079 |
| Equity capital to assets | 11.3884% | 2,635 |
| Core capital (leverage) ratio | 11.7061% | 1,957 |
| Tier 1 risk-based capital ratio | 13.0766% | 3,759 |
| Total risk-based capital ratio | 14.0438% | 3,791 |
| Memoranda: | ||
| Average total assets | $34,351,000 | 4,972 |
| Average earning assets | $31,909,600 | 4,964 |
| Average equity | $3,539,600 | 5,032 |
| Average total loans | $24,707,800 | 4,764 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1722% | 3,988 |
| Cost of funding earning assets | 0.6334% | 3,521 |
| Net interest margin | 3.5388% | 3,441 |
| Noninterest income to average assets | 0.3987% | 3,327 |
| Noninterest expense to average assets | 3.0098% | 1,951 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.6901% | 4,044 |
| Return on assets (ROA) | 0.6901% | 4,102 |
| Pretax return on assets | 0.7093% | 4,323 |
| Return on Equity (ROE) | 6.8672% | 3,738 |
| Retained earnings to average equity (ytd only) | 5.4940% | 2,626 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.9278% | 837 |
| Assets per employee ($millions) | 4.3339% | 3,433 |
| Cash dividends to net income (ytd only)* | 20.0008% | 3,043 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0451% | 3,320 |
| Loan loss allowance to noncurrent loans | 62.3874% | 3,952 |
| Noncurrent assets plus other real estate owned to assets | 1.2806% | 953 |
| Noncurrent loans to loans | 1.6752% | 875 |
| Net loans and leases to total assets | 75.6482% | 1,539 |
| Net loans and leases to deposits | 95.6249% | 1,060 |
| Net loans and leases to core deposits | 99.4955% | 1,699 |
| Total domestic deposits to total assets | 79.1093% | 4,168 |
| Equity capital to assets | 10.4785% | 3,558 |
| Core capital (leverage) ratio | 11.5647% | 2,172 |
| Tier 1 risk-based capital ratio | 11.9239% | 4,451 |
| Total risk-based capital ratio | 12.8313% | 4,531 |
| Memoranda: | ||
| Average total assets | $34,774,750 | 5,043 |
| Average earning assets | $32,628,250 | 5,025 |
| Average equity | $3,494,750 | 5,110 |
| Average total loans | $25,127,750 | 4,815 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9872% | 4,407 |
| Cost of funding earning assets | 0.6115% | 3,592 |
| Net interest margin | 3.3757% | 3,970 |
| Noninterest income to average assets | 0.3792% | 3,407 |
| Noninterest expense to average assets | 3.0049% | 1,990 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.5228% | 4,474 |
| Return on assets (ROA) | 0.5228% | 4,504 |
| Pretax return on assets | 0.5458% | 4,635 |
| Return on Equity (ROE) | 5.2774% | 4,268 |
| Retained earnings to average equity (ytd only) | 3.7696% | 3,369 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.6278% | 613 |
| Assets per employee ($millions) | 4.3941% | 3,294 |
| Cash dividends to net income (ytd only)* | 28.5714% | 2,687 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0991% | 3,070 |
| Loan loss allowance to noncurrent loans | 301.0870% | 1,573 |
| Noncurrent assets plus other real estate owned to assets | 0.2617% | 3,519 |
| Noncurrent loans to loans | 0.3651% | 3,215 |
| Net loans and leases to total assets | 70.9043% | 2,406 |
| Net loans and leases to deposits | 89.1101% | 1,846 |
| Net loans and leases to core deposits | 91.7811% | 2,433 |
| Total domestic deposits to total assets | 79.5693% | 4,122 |
| Equity capital to assets | 10.0873% | 3,903 |
| Core capital (leverage) ratio | 11.1830% | 2,429 |
| Tier 1 risk-based capital ratio | 11.8831% | 4,484 |
| Total risk-based capital ratio | 12.8074% | 4,549 |
| Memoranda: | ||
| Average total assets | $34,809,330 | 5,081 |
| Average earning assets | $32,704,670 | 5,064 |
| Average equity | $3,448,670 | 5,153 |
| Average total loans | $24,668,670 | 4,865 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8169% | 4,684 |
| Cost of funding earning assets | 0.5787% | 3,681 |
| Net interest margin | 3.2382% | 4,308 |
| Noninterest income to average assets | 0.4042% | 3,155 |
| Noninterest expense to average assets | 2.9332% | 2,176 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.4735% | 4,588 |
| Return on assets (ROA) | 0.4735% | 4,611 |
| Pretax return on assets | 0.5081% | 4,664 |
| Return on Equity (ROE) | 4.8235% | 4,374 |
| Retained earnings to average equity (ytd only) | 2.9412% | 3,758 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.2349% | 630 |
| Assets per employee ($millions) | 3.8066% | 4,181 |
| Cash dividends to net income (ytd only)* | 39.0244% | 1,953 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2359% | 2,399 |
| Loan loss allowance to noncurrent loans | 629.5455% | 867 |
| Noncurrent assets plus other real estate owned to assets | 0.1284% | 4,151 |
| Noncurrent loans to loans | 0.1963% | 3,889 |
| Net loans and leases to total assets | 64.6137% | 3,215 |
| Net loans and leases to deposits | 78.9584% | 2,953 |
| Net loans and leases to core deposits | 82.4831% | 3,147 |
| Total domestic deposits to total assets | 81.8325% | 3,769 |
| Equity capital to assets | 10.0324% | 3,797 |
| Core capital (leverage) ratio | 11.0950% | 2,484 |
| Tier 1 risk-based capital ratio | 13.2021% | 3,773 |
| Total risk-based capital ratio | 14.2407% | 3,779 |
| Memoranda: | ||
| Average total assets | $34,637,500 | 5,139 |
| Average earning assets | $32,487,500 | 5,123 |
| Average equity | $3,400,000 | 5,210 |
| Average total loans | $24,402,000 | 4,927 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7903% | 4,510 |
| Cost of funding earning assets | 0.4542% | 3,652 |
| Net interest margin | 3.3361% | 4,165 |
| Noninterest income to average assets | 0.5726% | 2,436 |
| Noninterest expense to average assets | 3.1176% | 1,749 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.5871% | 4,455 |
| Return on assets (ROA) | 0.5871% | 4,460 |
| Pretax return on assets | 0.5986% | 4,632 |
| Return on Equity (ROE) | 6.1601% | 4,127 |
| Retained earnings to average equity (ytd only) | 3.1256% | 3,827 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.8911% | 660 |
| Assets per employee ($millions) | 3.8907% | 4,044 |
| Cash dividends to net income (ytd only)* | 49.2611% | 2,003 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0496% | 3,386 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 74.5773% | 1,826 |
| Net loans and leases to deposits | 95.0845% | 1,163 |
| Net loans and leases to core deposits | 99.4100% | 1,766 |
| Total domestic deposits to total assets | 78.4327% | 4,417 |
| Equity capital to assets | 9.6042% | 4,039 |
| Core capital (leverage) ratio | 11.3466% | 2,228 |
| Tier 1 risk-based capital ratio | 11.4349% | 4,752 |
| Total risk-based capital ratio | 12.3410% | 4,823 |
| Memoranda: | ||
| Average total assets | $34,578,200 | 5,182 |
| Average earning assets | $32,583,400 | 5,159 |
| Average equity | $3,295,400 | 5,258 |
| Average total loans | $24,223,600 | 4,964 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6426% | 4,733 |
| Cost of funding earning assets | 0.4425% | 3,581 |
| Net interest margin | 3.2001% | 4,514 |
| Noninterest income to average assets | 0.4564% | 3,130 |
| Noninterest expense to average assets | 3.0171% | 1,968 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.4487% | 4,855 |
| Return on assets (ROA) | 0.4487% | 4,861 |
| Pretax return on assets | 0.4603% | 4,958 |
| Return on Equity (ROE) | 4.7174% | 4,645 |
| Retained earnings to average equity (ytd only) | 2.7653% | 4,325 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.7631% | 478 |
| Assets per employee ($millions) | 3.7440% | 4,244 |
| Cash dividends to net income (ytd only)* | 41.3811% | 1,986 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1199% | 3,072 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 72.5843% | 2,235 |
| Net loans and leases to deposits | 89.8398% | 1,928 |
| Net loans and leases to core deposits | 93.9572% | 2,290 |
| Total domestic deposits to total assets | 80.7930% | 3,921 |
| Equity capital to assets | 9.7133% | 3,910 |
| Core capital (leverage) ratio | 11.0206% | 2,558 |
| Tier 1 risk-based capital ratio | 12.0050% | 4,499 |
| Total risk-based capital ratio | 12.9655% | 4,547 |
| Memoranda: | ||
| Average total assets | $34,468,750 | 5,252 |
| Average earning assets | $32,540,000 | 5,222 |
| Average equity | $3,278,500 | 5,329 |
| Average total loans | $23,681,750 | 5,037 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4333% | 4,999 |
| Cost of funding earning assets | 0.4261% | 3,530 |
| Net interest margin | 3.0072% | 4,866 |
| Noninterest income to average assets | 0.3916% | 3,542 |
| Noninterest expense to average assets | 2.9142% | 2,314 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.3110% | 5,102 |
| Return on assets (ROA) | 0.3110% | 5,101 |
| Pretax return on assets | 0.3225% | 5,139 |
| Return on Equity (ROE) | 3.2924% | 4,965 |
| Retained earnings to average equity (ytd only) | 1.3413% | 4,677 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.0356% | 366 |
| Assets per employee ($millions) | 3.9776% | 3,934 |
| Cash dividends to net income (ytd only)* | 59.2593% | 1,353 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1540% | 2,959 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 66.2774% | 3,100 |
| Net loans and leases to deposits | 80.9927% | 2,856 |
| Net loans and leases to core deposits | 83.7664% | 3,102 |
| Total domestic deposits to total assets | 81.8314% | 3,775 |
| Equity capital to assets | 9.0927% | 4,486 |
| Core capital (leverage) ratio | 10.6864% | 2,826 |
| Tier 1 risk-based capital ratio | 11.7425% | 4,662 |
| Total risk-based capital ratio | 12.6946% | 4,713 |
| Memoranda: | ||
| Average total assets | $34,726,330 | 5,312 |
| Average earning assets | $32,854,330 | 5,279 |
| Average equity | $3,280,330 | 5,389 |
| Average total loans | $23,330,670 | 5,109 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4100% | 5,006 |
| Cost of funding earning assets | 0.3816% | 3,724 |
| Net interest margin | 3.0284% | 4,838 |
| Noninterest income to average assets | 0.3978% | 3,489 |
| Noninterest expense to average assets | 2.9716% | 2,137 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.2925% | 5,108 |
| Return on assets (ROA) | 0.2925% | 5,110 |
| Pretax return on assets | 0.3042% | 5,164 |
| Return on Equity (ROE) | 3.0367% | 5,012 |
| Retained earnings to average equity (ytd only) | 3.0367% | 3,989 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.7143% | 415 |
| Assets per employee ($millions) | 3.8544% | 4,208 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2730% | 2,383 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 61.9256% | 3,560 |
| Net loans and leases to deposits | 75.7262% | 3,244 |
| Net loans and leases to core deposits | 78.4015% | 3,461 |
| Total domestic deposits to total assets | 81.7757% | 4,023 |
| Equity capital to assets | 9.4292% | 4,153 |
| Core capital (leverage) ratio | 10.5283% | 2,916 |
| Tier 1 risk-based capital ratio | 12.7191% | 4,104 |
| Total risk-based capital ratio | 13.7499% | 4,145 |
| Memoranda: | ||
| Average total assets | $34,190,500 | 5,373 |
| Average earning assets | $32,492,500 | 5,343 |
| Average equity | $3,293,000 | 5,444 |
| Average total loans | $22,994,500 | 5,174 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2855% | 5,095 |
| Cost of funding earning assets | 0.2678% | 4,417 |
| Net interest margin | 3.0177% | 4,849 |
| Noninterest income to average assets | 0.5417% | 2,765 |
| Noninterest expense to average assets | 3.0061% | 2,156 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.4078% | 4,665 |
| Return on assets (ROA) | 0.4078% | 4,688 |
| Pretax return on assets | 0.4197% | 5,062 |
| Return on Equity (ROE) | 4.1614% | 4,459 |
| Retained earnings to average equity (ytd only) | 2.7641% | 3,659 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.7498% | 548 |
| Assets per employee ($millions) | 3.7434% | 4,374 |
| Cash dividends to net income (ytd only)* | 33.5766% | 3,144 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1432% | 3,103 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 71.0961% | 2,364 |
| Net loans and leases to deposits | 90.3819% | 1,728 |
| Net loans and leases to core deposits | 92.3187% | 2,341 |
| Total domestic deposits to total assets | 78.6620% | 4,612 |
| Equity capital to assets | 9.8394% | 3,879 |
| Core capital (leverage) ratio | 10.8639% | 2,464 |
| Tier 1 risk-based capital ratio | 12.1639% | 4,419 |
| Total risk-based capital ratio | 13.1570% | 4,470 |
| Memoranda: | ||
| Average total assets | $33,597,800 | 5,437 |
| Average earning assets | $32,110,400 | 5,403 |
| Average equity | $3,292,200 | 5,500 |
| Average total loans | $21,790,400 | 5,264 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2556% | 5,167 |
| Cost of funding earning assets | 0.2453% | 4,606 |
| Net interest margin | 3.0103% | 4,891 |
| Noninterest income to average assets | 0.4567% | 3,299 |
| Noninterest expense to average assets | 2.9029% | 2,398 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.4170% | 4,964 |
| Return on assets (ROA) | 0.4170% | 4,992 |
| Pretax return on assets | 0.4289% | 5,140 |
| Return on Equity (ROE) | 4.2599% | 4,780 |
| Retained earnings to average equity (ytd only) | 2.9615% | 4,150 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.1275% | 563 |
| Assets per employee ($millions) | 3.8596% | 4,222 |
| Cash dividends to net income (ytd only)* | 30.4786% | 2,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1415% | 3,245 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 69.0609% | 2,684 |
| Net loans and leases to deposits | 91.3693% | 1,641 |
| Net loans and leases to core deposits | 94.3446% | 2,239 |
| Total domestic deposits to total assets | 75.5844% | 5,064 |
| Equity capital to assets | 9.6327% | 4,318 |
| Core capital (leverage) ratio | 10.4328% | 3,053 |
| Tier 1 risk-based capital ratio | 11.9165% | 4,687 |
| Total risk-based capital ratio | 12.8946% | 4,743 |
| Memoranda: | ||
| Average total assets | $33,574,500 | 5,503 |
| Average earning assets | $32,066,750 | 5,460 |
| Average equity | $3,286,500 | 5,564 |
| Average total loans | $21,180,500 | 5,329 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2203% | 5,212 |
| Cost of funding earning assets | 0.2341% | 4,691 |
| Net interest margin | 2.9862% | 4,938 |
| Noninterest income to average assets | 0.3797% | 3,834 |
| Noninterest expense to average assets | 2.9107% | 2,390 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.3013% | 5,214 |
| Return on assets (ROA) | 0.3013% | 5,234 |
| Pretax return on assets | 0.3134% | 5,320 |
| Return on Equity (ROE) | 3.0612% | 5,103 |
| Retained earnings to average equity (ytd only) | 1.9592% | 4,470 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.2804% | 442 |
| Assets per employee ($millions) | 3.5486% | 4,652 |
| Cash dividends to net income (ytd only)* | 36.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3636% | 2,100 |
| Loan loss allowance to noncurrent loans | 27,700.0000% | 32 |
| Noncurrent assets plus other real estate owned to assets | 0.0031% | 5,298 |
| Noncurrent loans to loans | 0.0049% | 5,175 |
| Net loans and leases to total assets | 62.7391% | 3,544 |
| Net loans and leases to deposits | 72.2809% | 3,711 |
| Net loans and leases to core deposits | 74.5064% | 3,899 |
| Total domestic deposits to total assets | 86.7990% | 2,040 |
| Equity capital to assets | 10.4174% | 3,442 |
| Core capital (leverage) ratio | 10.2330% | 3,229 |
| Tier 1 risk-based capital ratio | 13.4841% | 3,707 |
| Total risk-based capital ratio | 14.6047% | 3,695 |
| Memoranda: | ||
| Average total assets | $33,187,330 | 5,554 |
| Average earning assets | $31,611,670 | 5,520 |
| Average equity | $3,266,670 | 5,613 |
| Average total loans | $20,152,000 | 5,405 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1019% | 5,366 |
| Cost of funding earning assets | 0.2367% | 4,666 |
| Net interest margin | 2.8652% | 5,145 |
| Noninterest income to average assets | 0.4022% | 3,645 |
| Noninterest expense to average assets | 2.8865% | 2,500 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.2248% | 5,357 |
| Return on assets (ROA) | 0.2248% | 5,367 |
| Pretax return on assets | 0.2366% | 5,396 |
| Return on Equity (ROE) | 2.3482% | 5,271 |
| Retained earnings to average equity (ytd only) | 1.7303% | 4,420 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.4242% | 433 |
| Assets per employee ($millions) | 3.7350% | 4,440 |
| Cash dividends to net income (ytd only)* | 26.3158% | 2,386 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4938% | 1,718 |
| Loan loss allowance to noncurrent loans | 27,700.0000% | 39 |
| Noncurrent assets plus other real estate owned to assets | 0.0030% | 5,367 |
| Noncurrent loans to loans | 0.0054% | 5,242 |
| Net loans and leases to total assets | 54.3388% | 4,312 |
| Net loans and leases to deposits | 61.7074% | 4,453 |
| Net loans and leases to core deposits | 63.4809% | 4,566 |
| Total domestic deposits to total assets | 88.0589% | 1,688 |
| Equity capital to assets | 9.6951% | 4,070 |
| Core capital (leverage) ratio | 9.6036% | 3,991 |
| Tier 1 risk-based capital ratio | 13.8214% | 3,589 |
| Total risk-based capital ratio | 14.9756% | 3,549 |
| Memoranda: | ||
| Average total assets | $33,812,500 | 5,606 |
| Average earning assets | $32,109,000 | 5,572 |
| Average equity | $3,236,500 | 5,676 |
| Average total loans | $20,071,000 | 5,461 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1924% | 5,314 |
| Cost of funding earning assets | 0.2597% | 4,468 |
| Net interest margin | 2.9326% | 5,078 |
| Noninterest income to average assets | 0.4996% | 3,241 |
| Noninterest expense to average assets | 3.0321% | 2,247 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.2599% | 5,303 |
| Return on assets (ROA) | 0.2599% | 5,372 |
| Pretax return on assets | 0.2714% | 5,399 |
| Return on Equity (ROE) | 2.6738% | 5,252 |
| Retained earnings to average equity (ytd only) | -1.7231% | 5,510 |
| Net charge-offs to loans | 0.1380% | 1,871 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 3.2414% | 3,703 |
| Efficiency ratio | 91.7832% | 469 |
| Assets per employee ($millions) | 3.7789% | 4,344 |
| Cash dividends to net income (ytd only)* | 164.4444% | 127 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2825% | 2,644 |
| Loan loss allowance to noncurrent loans | 27,700.0000% | 26 |
| Noncurrent assets plus other real estate owned to assets | 0.0029% | 5,432 |
| Noncurrent loans to loans | 0.0046% | 5,297 |
| Net loans and leases to total assets | 62.6933% | 3,513 |
| Net loans and leases to deposits | 71.3516% | 3,774 |
| Net loans and leases to core deposits | 73.3799% | 3,972 |
| Total domestic deposits to total assets | 87.8653% | 1,700 |
| Equity capital to assets | 9.4502% | 4,324 |
| Core capital (leverage) ratio | 9.5241% | 4,051 |
| Tier 1 risk-based capital ratio | 12.5695% | 4,345 |
| Total risk-based capital ratio | 13.6239% | 4,343 |
| Memoranda: | ||
| Average total assets | $34,629,800 | 5,639 |
| Average earning assets | $33,110,000 | 5,605 |
| Average equity | $3,366,000 | 5,715 |
| Average total loans | $21,007,000 | 5,488 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1729% | 5,402 |
| Cost of funding earning assets | 0.2641% | 4,462 |
| Net interest margin | 2.9088% | 5,176 |
| Noninterest income to average assets | 0.3526% | 4,265 |
| Noninterest expense to average assets | 2.8556% | 2,804 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.2683% | 5,352 |
| Return on assets (ROA) | 0.2683% | 5,427 |
| Pretax return on assets | 0.2836% | 5,475 |
| Return on Equity (ROE) | 2.7418% | 5,289 |
| Retained earnings to average equity (ytd only) | -3.0552% | 5,653 |
| Net charge-offs to loans | 0.1854% | 1,260 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 2.5513% | 3,549 |
| Efficiency ratio | 90.9646% | 511 |
| Assets per employee ($millions) | 3.7049% | 4,460 |
| Cash dividends to net income (ytd only)* | 211.4326% | 76 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3670% | 2,353 |
| Loan loss allowance to noncurrent loans | 27,700.0000% | 21 |
| Noncurrent assets plus other real estate owned to assets | 0.0030% | 5,534 |
| Noncurrent loans to loans | 0.0049% | 5,403 |
| Net loans and leases to total assets | 59.9388% | 3,885 |
| Net loans and leases to deposits | 69.1151% | 4,050 |
| Net loans and leases to core deposits | 71.1473% | 4,238 |
| Total domestic deposits to total assets | 86.7232% | 2,019 |
| Equity capital to assets | 10.1158% | 4,024 |
| Core capital (leverage) ratio | 9.5406% | 4,131 |
| Tier 1 risk-based capital ratio | 13.0847% | 4,108 |
| Total risk-based capital ratio | 14.1894% | 4,107 |
| Memoranda: | ||
| Average total assets | $34,784,750 | 5,697 |
| Average earning assets | $33,323,250 | 5,660 |
| Average equity | $3,404,000 | 5,772 |
| Average total loans | $20,859,000 | 5,547 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1949% | 5,438 |
| Cost of funding earning assets | 0.2658% | 4,491 |
| Net interest margin | 2.9292% | 5,212 |
| Noninterest income to average assets | 0.3403% | 4,342 |
| Noninterest expense to average assets | 2.8016% | 3,024 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.3289% | 5,241 |
| Return on assets (ROA) | 0.3289% | 5,323 |
| Pretax return on assets | 0.3516% | 5,416 |
| Return on Equity (ROE) | 3.3974% | 5,128 |
| Retained earnings to average equity (ytd only) | -4.1589% | 5,705 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.8489% | 668 |
| Assets per employee ($millions) | 3.8458% | 4,176 |
| Cash dividends to net income (ytd only)* | 222.4138% | 91 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5641% | 1,638 |
| Loan loss allowance to noncurrent loans | 15,300.0000% | 43 |
| Noncurrent assets plus other real estate owned to assets | 0.0058% | 5,612 |
| Noncurrent loans to loans | 0.0102% | 5,457 |
| Net loans and leases to total assets | 55.6397% | 4,352 |
| Net loans and leases to deposits | 63.9461% | 4,493 |
| Net loans and leases to core deposits | 65.7494% | 4,623 |
| Total domestic deposits to total assets | 87.0103% | 1,911 |
| Equity capital to assets | 9.8319% | 4,409 |
| Core capital (leverage) ratio | 9.2310% | 4,544 |
| Tier 1 risk-based capital ratio | 13.9423% | 3,636 |
| Total risk-based capital ratio | 15.1929% | 3,557 |
| Memoranda: | ||
| Average total assets | $35,265,000 | 5,760 |
| Average earning assets | $33,866,000 | 5,713 |
| Average equity | $3,414,330 | 5,842 |
| Average total loans | $21,057,670 | 5,595 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2113% | 5,469 |
| Cost of funding earning assets | 0.2813% | 4,374 |
| Net interest margin | 2.9300% | 5,263 |
| Noninterest income to average assets | 0.3259% | 4,402 |
| Noninterest expense to average assets | 2.8209% | 2,993 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.2922% | 5,327 |
| Return on assets (ROA) | 0.2922% | 5,407 |
| Pretax return on assets | 0.3147% | 5,486 |
| Return on Equity (ROE) | 3.0409% | 5,216 |
| Retained earnings to average equity (ytd only) | 3.0409% | 3,990 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.9642% | 676 |
| Assets per employee ($millions) | 3.5859% | 4,677 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5211% | 1,898 |
| Loan loss allowance to noncurrent loans | 10,200.0000% | 81 |
| Noncurrent assets plus other real estate owned to assets | 0.0084% | 5,643 |
| Noncurrent loans to loans | 0.0149% | 5,459 |
| Net loans and leases to total assets | 55.2469% | 4,333 |
| Net loans and leases to deposits | 63.4500% | 4,477 |
| Net loans and leases to core deposits | 65.1721% | 4,607 |
| Total domestic deposits to total assets | 87.0716% | 2,176 |
| Equity capital to assets | 9.6294% | 4,534 |
| Core capital (leverage) ratio | 9.5262% | 4,142 |
| Tier 1 risk-based capital ratio | 13.7363% | 3,843 |
| Total risk-based capital ratio | 14.9777% | 3,787 |
| Memoranda: | ||
| Average total assets | $35,591,500 | 5,810 |
| Average earning assets | $34,129,500 | 5,757 |
| Average equity | $3,420,000 | 5,892 |
| Average total loans | $21,804,500 | 5,619 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2337% | 5,465 |
| Cost of funding earning assets | 0.2967% | 4,285 |
| Net interest margin | 2.9370% | 5,277 |
| Noninterest income to average assets | 0.5131% | 3,237 |
| Noninterest expense to average assets | 2.9158% | 2,802 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.3990% | 5,055 |
| Return on assets (ROA) | 0.3990% | 5,134 |
| Pretax return on assets | 0.4190% | 5,283 |
| Return on Equity (ROE) | 4.1644% | 4,869 |
| Retained earnings to average equity (ytd only) | -0.6247% | 5,613 |
| Net charge-offs to loans | -0.0047% | 4,961 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.4359% | 872 |
| Assets per employee ($millions) | 3.9249% | 4,076 |
| Cash dividends to net income (ytd only)* | 115.0000% | 277 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3026% | 2,881 |
| Loan loss allowance to noncurrent loans | 7,650.0000% | 124 |
| Noncurrent assets plus other real estate owned to assets | 0.0113% | 5,660 |
| Noncurrent loans to loans | 0.0170% | 5,455 |
| Net loans and leases to total assets | 65.6381% | 3,035 |
| Net loans and leases to deposits | 75.9549% | 3,259 |
| Net loans and leases to core deposits | 78.0647% | 3,541 |
| Total domestic deposits to total assets | 86.4172% | 2,424 |
| Equity capital to assets | 9.5884% | 4,450 |
| Core capital (leverage) ratio | 9.6919% | 3,918 |
| Tier 1 risk-based capital ratio | 12.1265% | 4,870 |
| Total risk-based capital ratio | 13.2308% | 4,864 |
| Memoranda: | ||
| Average total assets | $35,084,200 | 5,871 |
| Average earning assets | $33,707,600 | 5,820 |
| Average equity | $3,361,800 | 5,942 |
| Average total loans | $21,411,000 | 5,665 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1560% | 5,633 |
| Cost of funding earning assets | 0.3057% | 4,268 |
| Net interest margin | 2.8503% | 5,494 |
| Noninterest income to average assets | 0.3959% | 4,115 |
| Noninterest expense to average assets | 2.8170% | 3,115 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.2969% | 5,458 |
| Return on assets (ROA) | 0.2969% | 5,541 |
| Pretax return on assets | 0.3122% | 5,624 |
| Return on Equity (ROE) | 3.0994% | 5,352 |
| Retained earnings to average equity (ytd only) | -3.2979% | 5,954 |
| Net charge-offs to loans | -0.0064% | 4,872 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.0243% | 697 |
| Assets per employee ($millions) | 3.7977% | 4,268 |
| Cash dividends to net income (ytd only)* | 206.4038% | 74 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4005% | 2,596 |
| Loan loss allowance to noncurrent loans | 2,353.8462% | 287 |
| Noncurrent assets plus other real estate owned to assets | 0.0380% | 5,634 |
| Noncurrent loans to loans | 0.0595% | 5,381 |
| Net loans and leases to total assets | 63.0299% | 3,451 |
| Net loans and leases to deposits | 75.9385% | 3,312 |
| Net loans and leases to core deposits | 78.2130% | 3,590 |
| Total domestic deposits to total assets | 83.0013% | 3,821 |
| Equity capital to assets | 9.7516% | 4,449 |
| Core capital (leverage) ratio | 9.5811% | 4,198 |
| Tier 1 risk-based capital ratio | 12.1864% | 4,974 |
| Total risk-based capital ratio | 13.3171% | 4,955 |
| Memoranda: | ||
| Average total assets | $35,024,250 | 5,949 |
| Average earning assets | $33,586,000 | 5,898 |
| Average equity | $3,355,500 | 6,021 |
| Average total loans | $20,890,750 | 5,752 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1037% | 5,742 |
| Cost of funding earning assets | 0.2950% | 4,445 |
| Net interest margin | 2.8086% | 5,597 |
| Noninterest income to average assets | 0.3569% | 4,404 |
| Noninterest expense to average assets | 2.8664% | 3,011 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.1699% | 5,766 |
| Return on assets (ROA) | 0.1699% | 5,824 |
| Pretax return on assets | 0.1869% | 5,836 |
| Return on Equity (ROE) | 1.7841% | 5,737 |
| Retained earnings to average equity (ytd only) | -6.8986% | 6,087 |
| Net charge-offs to loans | -0.0097% | 4,914 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.8776% | 521 |
| Assets per employee ($millions) | 3.8231% | 4,219 |
| Cash dividends to net income (ytd only)* | 486.6667% | 22 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5222% | 2,197 |
| Loan loss allowance to noncurrent loans | 2,353.8462% | 261 |
| Noncurrent assets plus other real estate owned to assets | 0.0378% | 5,713 |
| Noncurrent loans to loans | 0.0647% | 5,475 |
| Net loans and leases to total assets | 57.5360% | 4,164 |
| Net loans and leases to deposits | 66.7420% | 4,258 |
| Net loans and leases to core deposits | 68.6490% | 4,442 |
| Total domestic deposits to total assets | 86.2067% | 2,575 |
| Equity capital to assets | 9.3961% | 4,784 |
| Core capital (leverage) ratio | 9.3665% | 4,470 |
| Tier 1 risk-based capital ratio | 13.5216% | 4,203 |
| Total risk-based capital ratio | 14.7719% | 4,141 |
| Memoranda: | ||
| Average total assets | $35,306,000 | 6,010 |
| Average earning assets | $33,895,330 | 5,957 |
| Average equity | $3,363,000 | 6,081 |
| Average total loans | $20,571,330 | 5,822 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9960% | 5,898 |
| Cost of funding earning assets | 0.3135% | 4,292 |
| Net interest margin | 2.6825% | 5,828 |
| Noninterest income to average assets | 0.4587% | 3,585 |
| Noninterest expense to average assets | 2.7185% | 3,526 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.3021% | 5,406 |
| Return on assets (ROA) | 0.3021% | 5,507 |
| Pretax return on assets | 0.3244% | 5,592 |
| Return on Equity (ROE) | 3.1505% | 5,314 |
| Retained earnings to average equity (ytd only) | 1.5169% | 4,878 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.3382% | 904 |
| Assets per employee ($millions) | 3.9244% | 4,115 |
| Cash dividends to net income (ytd only)* | 51.8519% | 1,671 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5791% | 2,126 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 53.8222% | 4,466 |
| Net loans and leases to deposits | 62.8596% | 4,493 |
| Net loans and leases to core deposits | 64.6203% | 4,645 |
| Total domestic deposits to total assets | 85.6229% | 3,126 |
| Equity capital to assets | 9.8245% | 4,361 |
| Core capital (leverage) ratio | 9.4175% | 4,400 |
| Tier 1 risk-based capital ratio | 14.2384% | 3,856 |
| Total risk-based capital ratio | 15.4882% | 3,784 |
| Memoranda: | ||
| Average total assets | $35,755,000 | 6,059 |
| Average earning assets | $34,445,500 | 6,004 |
| Average equity | $3,428,000 | 6,136 |
| Average total loans | $20,805,500 | 5,862 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1600% | 5,882 |
| Cost of funding earning assets | 0.3160% | 4,623 |
| Net interest margin | 2.8440% | 5,738 |
| Noninterest income to average assets | 0.4404% | 3,898 |
| Noninterest expense to average assets | 2.6931% | 3,889 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.4404% | 5,063 |
| Return on assets (ROA) | 0.4404% | 5,152 |
| Pretax return on assets | 0.4618% | 5,352 |
| Return on Equity (ROE) | 5.2064% | 4,553 |
| Retained earnings to average equity (ytd only) | 1.9563% | 4,818 |
| Net charge-offs to loans | -0.0150% | 5,643 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.3638% | 1,245 |
| Assets per employee ($millions) | 4.0211% | 3,903 |
| Cash dividends to net income (ytd only)* | 62.4242% | 1,634 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3680% | 3,098 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 60.7654% | 3,680 |
| Net loans and leases to deposits | 70.8564% | 3,803 |
| Net loans and leases to core deposits | 72.7890% | 4,047 |
| Total domestic deposits to total assets | 85.7585% | 2,962 |
| Equity capital to assets | 9.3562% | 4,903 |
| Core capital (leverage) ratio | 9.2412% | 4,616 |
| Tier 1 risk-based capital ratio | 13.0252% | 4,717 |
| Total risk-based capital ratio | 14.1999% | 4,670 |
| Memoranda: | ||
| Average total assets | $37,465,800 | 6,091 |
| Average earning assets | $35,759,600 | 6,043 |
| Average equity | $3,169,200 | 6,237 |
| Average total loans | $20,013,400 | 5,959 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1253% | 5,994 |
| Cost of funding earning assets | 0.3192% | 4,682 |
| Net interest margin | 2.8061% | 5,861 |
| Noninterest income to average assets | 0.4023% | 4,228 |
| Noninterest expense to average assets | 2.6430% | 4,037 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.4058% | 5,228 |
| Return on assets (ROA) | 0.4058% | 5,306 |
| Pretax return on assets | 0.4270% | 5,526 |
| Return on Equity (ROE) | 4.9223% | 4,752 |
| Retained earnings to average equity (ytd only) | 0.5136% | 5,662 |
| Net charge-offs to loans | -0.0137% | 5,507 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.0920% | 1,173 |
| Assets per employee ($millions) | 4.2311% | 3,416 |
| Cash dividends to net income (ytd only)* | 89.5650% | 540 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4152% | 3,098 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 55.6119% | 4,379 |
| Net loans and leases to deposits | 71.0137% | 3,794 |
| Net loans and leases to core deposits | 73.0292% | 4,046 |
| Total domestic deposits to total assets | 78.3114% | 5,463 |
| Equity capital to assets | 8.6161% | 5,710 |
| Core capital (leverage) ratio | 8.9029% | 5,192 |
| Tier 1 risk-based capital ratio | 12.7492% | 5,009 |
| Total risk-based capital ratio | 13.9124% | 4,975 |
| Memoranda: | ||
| Average total assets | $37,784,750 | 6,162 |
| Average earning assets | $35,921,000 | 6,115 |
| Average equity | $3,115,000 | 6,318 |
| Average total loans | $19,442,750 | 6,049 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1164% | 6,045 |
| Cost of funding earning assets | 0.3251% | 4,704 |
| Net interest margin | 2.7913% | 5,928 |
| Noninterest income to average assets | 0.3768% | 4,432 |
| Noninterest expense to average assets | 2.6429% | 4,086 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.3556% | 5,393 |
| Return on assets (ROA) | 0.3556% | 5,460 |
| Pretax return on assets | 0.3768% | 5,622 |
| Return on Equity (ROE) | 4.3796% | 4,983 |
| Retained earnings to average equity (ytd only) | -1.3073% | 5,900 |
| Net charge-offs to loans | -0.0107% | 5,339 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.5220% | 1,128 |
| Assets per employee ($millions) | 4.1341% | 3,580 |
| Cash dividends to net income (ytd only)* | 129.8507% | 316 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5481% | 2,674 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 51.7913% | 4,762 |
| Net loans and leases to deposits | 60.1267% | 4,853 |
| Net loans and leases to core deposits | 62.7156% | 4,917 |
| Total domestic deposits to total assets | 86.1370% | 2,976 |
| Equity capital to assets | 8.6193% | 5,696 |
| Core capital (leverage) ratio | 8.9771% | 5,051 |
| Tier 1 risk-based capital ratio | 13.5127% | 4,568 |
| Total risk-based capital ratio | 14.7538% | 4,522 |
| Memoranda: | ||
| Average total assets | $37,686,330 | 6,223 |
| Average earning assets | $35,682,670 | 6,177 |
| Average equity | $3,059,670 | 6,381 |
| Average total loans | $18,763,330 | 6,128 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0828% | 6,144 |
| Cost of funding earning assets | 0.3239% | 4,810 |
| Net interest margin | 2.7589% | 6,017 |
| Noninterest income to average assets | 0.4219% | 4,018 |
| Noninterest expense to average assets | 2.4996% | 4,625 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.5062% | 4,659 |
| Return on assets (ROA) | 0.5062% | 4,743 |
| Pretax return on assets | 0.5273% | 5,087 |
| Return on Equity (ROE) | 6.4300% | 3,788 |
| Retained earnings to average equity (ytd only) | -1.3396% | 5,775 |
| Net charge-offs to loans | -0.0218% | 5,395 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.5784% | 1,855 |
| Assets per employee ($millions) | 4.1670% | 3,596 |
| Cash dividends to net income (ytd only)* | 120.8333% | 527 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7885% | 2,073 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 44.3671% | 5,476 |
| Net loans and leases to deposits | 51.2348% | 5,504 |
| Net loans and leases to core deposits | 53.4089% | 5,538 |
| Total domestic deposits to total assets | 86.5957% | 3,050 |
| Equity capital to assets | 8.0980% | 5,980 |
| Core capital (leverage) ratio | 8.5036% | 5,637 |
| Tier 1 risk-based capital ratio | 13.4673% | 4,713 |
| Total risk-based capital ratio | 14.7179% | 4,651 |
| Memoranda: | ||
| Average total assets | $37,926,000 | 6,285 |
| Average earning assets | $35,812,000 | 6,238 |
| Average equity | $2,986,000 | 6,449 |
| Average total loans | $18,358,500 | 6,203 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2297% | 6,103 |
| Cost of funding earning assets | 0.3984% | 4,674 |
| Net interest margin | 2.8312% | 5,928 |
| Noninterest income to average assets | 0.4841% | 3,862 |
| Noninterest expense to average assets | 2.7496% | 3,913 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.3959% | 5,161 |
| Return on assets (ROA) | 0.3959% | 5,274 |
| Pretax return on assets | 0.4146% | 5,462 |
| Return on Equity (ROE) | 4.6579% | 4,810 |
| Retained earnings to average equity (ytd only) | 1.8254% | 4,937 |
| Net charge-offs to loans | -0.0171% | 6,115 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.8977% | 1,323 |
| Assets per employee ($millions) | 4.2610% | 3,336 |
| Cash dividends to net income (ytd only)* | 60.8108% | 1,725 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5272% | 3,060 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 50.7784% | 4,990 |
| Net loans and leases to deposits | 60.5015% | 4,894 |
| Net loans and leases to core deposits | 61.5572% | 5,100 |
| Total domestic deposits to total assets | 83.9292% | 4,192 |
| Equity capital to assets | 7.6534% | 6,205 |
| Core capital (leverage) ratio | 8.7537% | 5,355 |
| Tier 1 risk-based capital ratio | 13.1742% | 4,871 |
| Total risk-based capital ratio | 14.3898% | 4,837 |
| Memoranda: | ||
| Average total assets | $37,387,800 | 6,351 |
| Average earning assets | $35,390,800 | 6,304 |
| Average equity | $3,177,400 | 6,501 |
| Average total loans | $17,593,200 | 6,300 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1860% | 6,217 |
| Cost of funding earning assets | 0.4087% | 4,748 |
| Net interest margin | 2.7773% | 6,052 |
| Noninterest income to average assets | 0.4307% | 4,291 |
| Noninterest expense to average assets | 2.7098% | 3,983 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.3374% | 5,477 |
| Return on assets (ROA) | 0.3374% | 5,605 |
| Pretax return on assets | 0.3553% | 5,732 |
| Return on Equity (ROE) | 3.8706% | 5,275 |
| Retained earnings to average equity (ytd only) | 0.1646% | 5,887 |
| Net charge-offs to loans | -0.0157% | 5,985 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.4075% | 1,125 |
| Assets per employee ($millions) | 4.0540% | 3,726 |
| Cash dividends to net income (ytd only)* | 95.7472% | 466 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6393% | 2,844 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 49.4984% | 5,194 |
| Net loans and leases to deposits | 58.5527% | 5,130 |
| Net loans and leases to core deposits | 60.1539% | 5,286 |
| Total domestic deposits to total assets | 84.5365% | 3,957 |
| Equity capital to assets | 8.0990% | 6,076 |
| Core capital (leverage) ratio | 8.7101% | 5,526 |
| Tier 1 risk-based capital ratio | 13.8732% | 4,520 |
| Total risk-based capital ratio | 15.1230% | 4,476 |
| Memoranda: | ||
| Average total assets | $37,147,500 | 6,430 |
| Average earning assets | $35,236,500 | 6,381 |
| Average equity | $3,238,000 | 6,559 |
| Average total loans | $17,047,750 | 6,385 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0390% | 6,408 |
| Cost of funding earning assets | 0.4075% | 4,869 |
| Net interest margin | 2.6316% | 6,294 |
| Noninterest income to average assets | 0.3372% | 4,981 |
| Noninterest expense to average assets | 2.6707% | 4,141 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.1392% | 6,045 |
| Return on assets (ROA) | 0.1392% | 6,150 |
| Pretax return on assets | 0.1552% | 6,153 |
| Return on Equity (ROE) | 1.5605% | 6,082 |
| Retained earnings to average equity (ytd only) | -3.8412% | 6,381 |
| Net charge-offs to loans | -0.0120% | 5,814 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.5076% | 741 |
| Assets per employee ($millions) | 4.1320% | 3,512 |
| Cash dividends to net income (ytd only)* | 346.1538% | 35 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7355% | 2,646 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 45.6760% | 5,571 |
| Net loans and leases to deposits | 53.5718% | 5,550 |
| Net loans and leases to core deposits | 54.9940% | 5,672 |
| Total domestic deposits to total assets | 85.2614% | 3,762 |
| Equity capital to assets | 8.2876% | 5,982 |
| Core capital (leverage) ratio | 8.4328% | 5,740 |
| Tier 1 risk-based capital ratio | 14.0814% | 4,367 |
| Total risk-based capital ratio | 15.3327% | 4,327 |
| Memoranda: | ||
| Average total assets | $37,368,000 | 6,475 |
| Average earning assets | $35,340,330 | 6,425 |
| Average equity | $3,332,330 | 6,596 |
| Average total loans | $16,610,000 | 6,450 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9582% | 6,557 |
| Cost of funding earning assets | 0.4323% | 4,779 |
| Net interest margin | 2.5258% | 6,474 |
| Noninterest income to average assets | 0.3631% | 4,758 |
| Noninterest expense to average assets | 2.7124% | 4,009 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.0000% | 6,342 |
| Return on assets (ROA) | 0.0000% | 6,416 |
| Pretax return on assets | 0.0214% | 6,376 |
| Return on Equity (ROE) | 0.0000% | 6,418 |
| Retained earnings to average equity (ytd only) | -10.4121% | 6,633 |
| Net charge-offs to loans | -0.0246% | 5,816 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.2188% | 574 |
| Assets per employee ($millions) | 4.2268% | 3,486 |
| Cash dividends to net income (ytd only)* | NA | NA |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0815% | 1,838 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 37.0994% | 6,215 |
| Net loans and leases to deposits | 43.4206% | 6,240 |
| Net loans and leases to core deposits | 44.5444% | 6,287 |
| Total domestic deposits to total assets | 85.4420% | 3,823 |
| Equity capital to assets | 8.8983% | 5,618 |
| Core capital (leverage) ratio | 8.1689% | 5,965 |
| Tier 1 risk-based capital ratio | 14.2252% | 4,345 |
| Total risk-based capital ratio | 15.4771% | 4,307 |
| Memoranda: | ||
| Average total assets | $37,458,000 | 6,534 |
| Average earning assets | $35,157,000 | 6,485 |
| Average equity | $3,457,500 | 6,629 |
| Average total loans | $16,272,000 | 6,522 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5648% | 6,279 |
| Cost of funding earning assets | 0.5525% | 4,795 |
| Net interest margin | 3.0123% | 6,026 |
| Noninterest income to average assets | 0.3655% | 4,864 |
| Noninterest expense to average assets | 2.7115% | 4,359 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.4610% | 4,834 |
| Return on assets (ROA) | 0.4610% | 5,084 |
| Pretax return on assets | 0.4801% | 5,339 |
| Return on Equity (ROE) | 4.9703% | 4,686 |
| Retained earnings to average equity (ytd only) | 4.0880% | 3,337 |
| Net charge-offs to loans | -0.0112% | 6,478 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.9573% | 1,520 |
| Assets per employee ($millions) | 4.0972% | 3,741 |
| Cash dividends to net income (ytd only)* | 17.7515% | 3,827 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6491% | 3,118 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 48.3580% | 5,370 |
| Net loans and leases to deposits | 57.3450% | 5,309 |
| Net loans and leases to core deposits | 58.3203% | 5,512 |
| Total domestic deposits to total assets | 84.3281% | 4,169 |
| Equity capital to assets | 9.5729% | 4,788 |
| Core capital (leverage) ratio | 8.6457% | 5,403 |
| Tier 1 risk-based capital ratio | 13.7048% | 4,599 |
| Total risk-based capital ratio | 14.9537% | 4,548 |
| Memoranda: | ||
| Average total assets | $36,659,200 | 6,591 |
| Average earning assets | $34,392,000 | 6,548 |
| Average equity | $3,400,200 | 6,709 |
| Average total loans | $17,866,000 | 6,513 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5395% | 6,461 |
| Cost of funding earning assets | 0.5725% | 4,888 |
| Net interest margin | 2.9670% | 6,241 |
| Noninterest income to average assets | 0.3205% | 5,221 |
| Noninterest expense to average assets | 2.6881% | 4,412 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.4043% | 5,229 |
| Return on assets (ROA) | 0.4043% | 5,456 |
| Pretax return on assets | 0.4262% | 5,654 |
| Return on Equity (ROE) | 4.3946% | 5,099 |
| Retained earnings to average equity (ytd only) | 3.2069% | 4,613 |
| Net charge-offs to loans | -0.0150% | 6,438 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.3158% | 1,355 |
| Assets per employee ($millions) | 3.9582% | 3,959 |
| Cash dividends to net income (ytd only)* | 27.0270% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5908% | 3,551 |
| 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 | 51.9201% | 5,061 |
| Net loans and leases to deposits | 62.2258% | 4,945 |
| Net loans and leases to core deposits | 63.4402% | 5,212 |
| Total domestic deposits to total assets | 83.4381% | 4,463 |
| Equity capital to assets | 9.8108% | 4,767 |
| Core capital (leverage) ratio | 8.6817% | 5,500 |
| Tier 1 risk-based capital ratio | 13.3033% | 5,021 |
| Total risk-based capital ratio | 14.5548% | 4,986 |
| Memoranda: | ||
| Average total assets | $36,605,250 | 6,674 |
| Average earning assets | $34,467,000 | 6,628 |
| Average equity | $3,367,750 | 6,801 |
| Average total loans | $17,799,750 | 6,606 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4713% | 6,640 |
| Cost of funding earning assets | 0.5862% | 5,016 |
| Net interest margin | 2.8851% | 6,449 |
| Noninterest income to average assets | 0.2924% | 5,464 |
| Noninterest expense to average assets | 2.6752% | 4,517 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.3141% | 5,570 |
| Return on assets (ROA) | 0.3141% | 5,775 |
| Pretax return on assets | 0.3357% | 5,876 |
| Return on Equity (ROE) | 3.4884% | 5,482 |
| Retained earnings to average equity (ytd only) | 1.6840% | 5,355 |
| Net charge-offs to loans | -0.0114% | 6,306 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.8489% | 1,163 |
| Assets per employee ($millions) | 4.0680% | 3,725 |
| Cash dividends to net income (ytd only)* | 51.7241% | 1,674 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7527% | 3,014 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 45.6244% | 5,853 |
| Net loans and leases to deposits | 54.3220% | 5,835 |
| Net loans and leases to core deposits | 55.3461% | 5,994 |
| Total domestic deposits to total assets | 83.9889% | 4,321 |
| Equity capital to assets | 9.2429% | 5,413 |
| Core capital (leverage) ratio | 8.6393% | 5,461 |
| Tier 1 risk-based capital ratio | 13.4541% | 4,869 |
| Total risk-based capital ratio | 14.7024% | 4,820 |
| Memoranda: | ||
| Average total assets | $36,932,330 | 6,713 |
| Average earning assets | $34,799,670 | 6,664 |
| Average equity | $3,325,330 | 6,848 |
| Average total loans | $17,468,000 | 6,673 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3920% | 6,819 |
| Cost of funding earning assets | 0.5919% | 5,197 |
| Net interest margin | 2.8001% | 6,640 |
| Noninterest income to average assets | 0.2912% | 5,533 |
| Noninterest expense to average assets | 2.6420% | 4,658 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.2804% | 5,719 |
| Return on assets (ROA) | 0.2804% | 5,884 |
| Pretax return on assets | 0.3019% | 5,972 |
| Return on Equity (ROE) | 3.1553% | 5,652 |
| Retained earnings to average equity (ytd only) | 3.1553% | 4,672 |
| Net charge-offs to loans | -0.0226% | 6,219 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.7436% | 1,118 |
| Assets per employee ($millions) | 4.1584% | 3,670 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9528% | 2,511 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 39.9776% | 6,353 |
| Net loans and leases to deposits | 47.2315% | 6,337 |
| Net loans and leases to core deposits | 48.0939% | 6,456 |
| Total domestic deposits to total assets | 84.6417% | 4,192 |
| Equity capital to assets | 8.8227% | 5,725 |
| Core capital (leverage) ratio | 8.2310% | 5,978 |
| Tier 1 risk-based capital ratio | 13.9831% | 4,483 |
| Total risk-based capital ratio | 15.2362% | 4,442 |
| Memoranda: | ||
| Average total assets | $37,092,500 | 6,761 |
| Average earning assets | $35,142,000 | 6,703 |
| Average equity | $3,296,000 | 6,897 |
| Average total loans | $17,701,000 | 6,721 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8965% | 6,619 |
| Cost of funding earning assets | 0.7883% | 4,950 |
| Net interest margin | 3.1082% | 6,327 |
| Noninterest income to average assets | 0.3584% | 4,950 |
| Noninterest expense to average assets | 2.8669% | 4,097 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.4120% | 4,807 |
| Return on assets (ROA) | 0.4120% | 4,994 |
| Pretax return on assets | 0.4289% | 5,206 |
| Return on Equity (ROE) | 4.5274% | 4,616 |
| Retained earnings to average equity (ytd only) | 1.0853% | 5,349 |
| Net charge-offs to loans | -0.0110% | 6,895 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.9863% | 1,445 |
| Assets per employee ($millions) | 4.0843% | 3,678 |
| Cash dividends to net income (ytd only)* | 76.0274% | 903 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4745% | 4,126 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 53.9868% | 5,038 |
| Net loans and leases to deposits | 63.3762% | 5,081 |
| Net loans and leases to core deposits | 64.5471% | 5,409 |
| Total domestic deposits to total assets | 85.1846% | 3,751 |
| Equity capital to assets | 8.9502% | 5,603 |
| Core capital (leverage) ratio | 8.1854% | 6,029 |
| Tier 1 risk-based capital ratio | 12.2829% | 5,623 |
| Total risk-based capital ratio | 13.4688% | 5,648 |
| Memoranda: | ||
| Average total assets | $35,439,400 | 6,813 |
| Average earning assets | $33,491,800 | 6,765 |
| Average equity | $3,224,800 | 6,955 |
| Average total loans | $18,250,800 | 6,742 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8828% | 6,750 |
| Cost of funding earning assets | 0.8191% | 5,017 |
| Net interest margin | 3.0637% | 6,462 |
| Noninterest income to average assets | 0.3418% | 5,126 |
| Noninterest expense to average assets | 2.8709% | 4,055 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.3456% | 5,224 |
| Return on assets (ROA) | 0.3456% | 5,407 |
| Pretax return on assets | 0.3684% | 5,556 |
| Return on Equity (ROE) | 3.7815% | 5,089 |
| Retained earnings to average equity (ytd only) | 0.6233% | 5,768 |
| Net charge-offs to loans | -0.0150% | 6,846 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.6284% | 1,281 |
| Assets per employee ($millions) | 3.9914% | 3,867 |
| Cash dividends to net income (ytd only)* | 83.5160% | 544 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5353% | 3,936 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 53.0245% | 5,318 |
| Net loans and leases to deposits | 62.8605% | 5,310 |
| Net loans and leases to core deposits | 64.0613% | 5,604 |
| Total domestic deposits to total assets | 84.3526% | 4,080 |
| Equity capital to assets | 9.2336% | 5,465 |
| Core capital (leverage) ratio | 8.4874% | 5,731 |
| Tier 1 risk-based capital ratio | 12.6762% | 5,346 |
| Total risk-based capital ratio | 13.9078% | 5,347 |
| Memoranda: | ||
| Average total assets | $35,109,500 | 6,892 |
| Average earning assets | $33,205,750 | 6,839 |
| Average equity | $3,208,500 | 7,015 |
| Average total loans | $17,778,000 | 6,833 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8682% | 6,847 |
| Cost of funding earning assets | 0.8502% | 5,059 |
| Net interest margin | 3.0180% | 6,572 |
| Noninterest income to average assets | 0.3387% | 5,175 |
| Noninterest expense to average assets | 2.9163% | 3,959 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.2526% | 5,553 |
| Return on assets (ROA) | 0.2526% | 5,675 |
| Pretax return on assets | 0.2756% | 5,723 |
| Return on Equity (ROE) | 2.7740% | 5,491 |
| Retained earnings to average equity (ytd only) | -2.0174% | 6,252 |
| Net charge-offs to loans | -0.0116% | 6,716 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.3669% | 1,140 |
| Assets per employee ($millions) | 3.9458% | 3,879 |
| Cash dividends to net income (ytd only)* | 172.7273% | 121 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7514% | 3,145 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 46.7588% | 6,183 |
| Net loans and leases to deposits | 54.7676% | 6,244 |
| Net loans and leases to core deposits | 55.8114% | 6,427 |
| Total domestic deposits to total assets | 85.3768% | 3,684 |
| Equity capital to assets | 8.8900% | 5,717 |
| Core capital (leverage) ratio | 8.5064% | 5,544 |
| Tier 1 risk-based capital ratio | 12.2398% | 5,574 |
| Total risk-based capital ratio | 13.4434% | 5,604 |
| Memoranda: | ||
| Average total assets | $34,838,330 | 6,965 |
| Average earning assets | $32,935,330 | 6,907 |
| Average equity | $3,172,330 | 7,082 |
| Average total loans | $17,255,670 | 6,932 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1556% | 6,379 |
| Cost of funding earning assets | 0.8458% | 5,300 |
| Net interest margin | 3.3097% | 5,740 |
| Noninterest income to average assets | 0.3014% | 5,513 |
| Noninterest expense to average assets | 2.7941% | 4,467 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.6145% | 3,970 |
| Return on assets (ROA) | 0.6145% | 4,033 |
| Pretax return on assets | 0.6377% | 4,546 |
| Return on Equity (ROE) | 6.6667% | 3,552 |
| Retained earnings to average equity (ytd only) | 6.6667% | 2,298 |
| Net charge-offs to loans | -0.0229% | 6,617 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.4189% | 2,316 |
| Assets per employee ($millions) | 3.8854% | 4,107 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8789% | 2,762 |
| Loan loss allowance to noncurrent loans | 29,600.0000% | 15 |
| Noncurrent assets plus other real estate owned to assets | 0.0029% | 7,201 |
| Noncurrent loans to loans | 0.0063% | 7,070 |
| Net loans and leases to total assets | 44.2049% | 6,454 |
| Net loans and leases to deposits | 52.1683% | 6,465 |
| Net loans and leases to core deposits | 53.1861% | 6,607 |
| Total domestic deposits to total assets | 84.7351% | 4,155 |
| Equity capital to assets | 9.1081% | 5,030 |
| Core capital (leverage) ratio | 8.7047% | 5,081 |
| Tier 1 risk-based capital ratio | 12.6570% | 5,108 |
| Total risk-based capital ratio | 13.8679% | 5,130 |
| Memoranda: | ||
| Average total assets | $34,501,500 | 7,028 |
| Average earning assets | $32,631,000 | 6,966 |
| Average equity | $3,180,000 | 7,112 |
| Average total loans | $17,433,000 | 6,972 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6169% | 6,062 |
| Cost of funding earning assets | 1.0611% | 5,359 |
| Net interest margin | 3.5558% | 5,015 |
| Noninterest income to average assets | 0.3577% | 5,247 |
| Noninterest expense to average assets | 3.0949% | 3,479 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.6003% | 3,664 |
| Return on assets (ROA) | 0.6003% | 3,827 |
| Pretax return on assets | 0.6190% | 4,264 |
| Return on Equity (ROE) | 5.7736% | 3,708 |
| Retained earnings to average equity (ytd only) | -5.8035% | 6,366 |
| Net charge-offs to loans | -0.0279% | 7,394 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.3333% | 2,010 |
| Assets per employee ($millions) | 3.7816% | 4,300 |
| Cash dividends to net income (ytd only)* | 200.5181% | 115 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5435% | 3,806 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 55.2888% | 5,443 |
| Net loans and leases to deposits | 64.9086% | 5,526 |
| Net loans and leases to core deposits | 66.2011% | 5,854 |
| Total domestic deposits to total assets | 85.1795% | 3,764 |
| Equity capital to assets | 9.3289% | 4,648 |
| Core capital (leverage) ratio | 9.0447% | 4,464 |
| Tier 1 risk-based capital ratio | 12.8920% | 4,691 |
| Total risk-based capital ratio | 14.1422% | 4,661 |
| Memoranda: | ||
| Average total assets | $32,149,200 | 7,141 |
| Average earning assets | $30,345,000 | 7,075 |
| Average equity | $3,342,800 | 7,180 |
| Average total loans | $17,898,000 | 7,033 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6226% | 6,274 |
| Cost of funding earning assets | 1.1233% | 5,296 |
| Net interest margin | 3.4993% | 5,294 |
| Noninterest income to average assets | 0.3662% | 5,229 |
| Noninterest expense to average assets | 3.1862% | 2,975 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.4588% | 4,496 |
| Return on assets (ROA) | 0.4588% | 4,679 |
| Pretax return on assets | 0.4840% | 4,981 |
| Return on Equity (ROE) | 4.2937% | 4,647 |
| Retained earnings to average equity (ytd only) | -2.4817% | 6,278 |
| Net charge-offs to loans | -0.0379% | 7,434 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.8119% | 1,550 |
| Assets per employee ($millions) | 3.5446% | 4,864 |
| Cash dividends to net income (ytd only)* | 157.7995% | 128 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6149% | 3,462 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 56.1456% | 5,528 |
| Net loans and leases to deposits | 66.5465% | 5,599 |
| Net loans and leases to core deposits | 67.2966% | 6,009 |
| Total domestic deposits to total assets | 84.3704% | 3,926 |
| Equity capital to assets | 10.7269% | 3,259 |
| Core capital (leverage) ratio | 9.8727% | 3,396 |
| Tier 1 risk-based capital ratio | 14.3367% | 3,606 |
| Total risk-based capital ratio | 15.5883% | 3,566 |
| Memoranda: | ||
| Average total assets | $31,678,000 | 7,234 |
| Average earning assets | $29,910,250 | 7,181 |
| Average equity | $3,384,750 | 7,260 |
| Average total loans | $17,594,500 | 7,143 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5841% | 6,506 |
| Cost of funding earning assets | 1.2081% | 5,078 |
| Net interest margin | 3.3760% | 5,734 |
| Noninterest income to average assets | 0.3797% | 5,087 |
| Noninterest expense to average assets | 3.1895% | 2,938 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.3481% | 4,984 |
| Return on assets (ROA) | 0.3481% | 5,148 |
| Pretax return on assets | 0.3734% | 5,297 |
| Return on Equity (ROE) | 3.2618% | 5,112 |
| Retained earnings to average equity (ytd only) | -5.6934% | 6,632 |
| Net charge-offs to loans | -0.0345% | 7,385 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.5204% | 1,376 |
| Assets per employee ($millions) | 3.5598% | 4,780 |
| Cash dividends to net income (ytd only)* | 274.5455% | 71 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7191% | 3,002 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 52.2848% | 6,180 |
| Net loans and leases to deposits | 61.9604% | 6,240 |
| Net loans and leases to core deposits | 62.6557% | 6,498 |
| Total domestic deposits to total assets | 84.3842% | 3,922 |
| Equity capital to assets | 10.5094% | 3,400 |
| Core capital (leverage) ratio | 9.8373% | 3,355 |
| Tier 1 risk-based capital ratio | 13.6460% | 3,981 |
| Total risk-based capital ratio | 14.9198% | 3,919 |
| Memoranda: | ||
| Average total assets | $31,603,670 | 7,295 |
| Average earning assets | $29,798,330 | 7,236 |
| Average equity | $3,372,330 | 7,304 |
| Average total loans | $17,391,000 | 7,201 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5960% | 6,574 |
| Cost of funding earning assets | 1.2473% | 5,124 |
| Net interest margin | 3.3487% | 5,793 |
| Noninterest income to average assets | 0.3951% | 4,954 |
| Noninterest expense to average assets | 3.2116% | 2,814 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.3059% | 5,277 |
| Return on assets (ROA) | 0.3059% | 5,404 |
| Pretax return on assets | 0.3314% | 5,521 |
| Return on Equity (ROE) | 2.8444% | 5,409 |
| Retained earnings to average equity (ytd only) | -12.5630% | 7,103 |
| Net charge-offs to loans | -0.0455% | 7,320 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.6475% | 1,383 |
| Assets per employee ($millions) | 3.5342% | 4,958 |
| Cash dividends to net income (ytd only)* | 541.6667% | 40 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7895% | 2,767 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 50.3804% | 6,433 |
| Net loans and leases to deposits | 59.6679% | 6,498 |
| Net loans and leases to core deposits | 60.3419% | 6,720 |
| Total domestic deposits to total assets | 84.4347% | 3,925 |
| Equity capital to assets | 10.4313% | 3,314 |
| Core capital (leverage) ratio | 9.8175% | 3,382 |
| Tier 1 risk-based capital ratio | 13.0243% | 4,315 |
| Total risk-based capital ratio | 14.2393% | 4,312 |
| Memoranda: | ||
| Average total assets | $31,386,500 | 7,390 |
| Average earning assets | $29,504,000 | 7,339 |
| Average equity | $3,375,000 | 7,380 |
| Average total loans | $17,564,500 | 7,280 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2477% | 5,427 |
| Cost of funding earning assets | 1.4514% | 5,717 |
| Net interest margin | 3.7963% | 3,724 |
| Noninterest income to average assets | 0.3787% | 5,386 |
| Noninterest expense to average assets | 3.1561% | 3,521 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.7769% | 2,614 |
| Return on assets (ROA) | 0.7769% | 2,707 |
| Pretax return on assets | 0.8125% | 3,198 |
| Return on Equity (ROE) | 7.2020% | 2,708 |
| Retained earnings to average equity (ytd only) | 5.7016% | 1,471 |
| Net charge-offs to loans | -0.0496% | 7,843 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.5269% | 2,953 |
| Assets per employee ($millions) | 3.4406% | 5,155 |
| Cash dividends to net income (ytd only)* | 20.8333% | 3,633 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5416% | 3,520 |
| Loan loss allowance to noncurrent loans | 337.2093% | 956 |
| Noncurrent assets plus other real estate owned to assets | 0.2777% | 6,759 |
| Noncurrent loans to loans | 0.4572% | 6,351 |
| Net loans and leases to total assets | 59.8159% | 5,368 |
| Net loans and leases to deposits | 71.7018% | 5,369 |
| Net loans and leases to core deposits | 83.4738% | 5,771 |
| Total domestic deposits to total assets | 83.4232% | 4,319 |
| Equity capital to assets | 11.0835% | 2,642 |
| Core capital (leverage) ratio | 10.5686% | 2,534 |
| Tier 1 risk-based capital ratio | 14.6233% | 3,145 |
| Total risk-based capital ratio | 15.8751% | 3,096 |
| Memoranda: | ||
| Average total assets | $30,892,400 | 7,442 |
| Average earning assets | $29,212,600 | 7,387 |
| Average equity | $3,332,400 | 7,494 |
| Average total loans | $18,130,800 | 7,306 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2349% | 5,743 |
| Cost of funding earning assets | 1.5100% | 5,779 |
| Net interest margin | 3.7249% | 3,971 |
| Noninterest income to average assets | 0.3843% | 5,443 |
| Noninterest expense to average assets | 3.0359% | 3,899 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.8594% | 2,579 |
| Return on assets (ROA) | 0.8594% | 2,644 |
| Pretax return on assets | 0.8853% | 3,271 |
| Return on Equity (ROE) | 8.0221% | 2,617 |
| Retained earnings to average equity (ytd only) | 6.0063% | 1,946 |
| Net charge-offs to loans | -0.0891% | 7,914 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.4229% | 3,254 |
| Assets per employee ($millions) | 3.3824% | 5,198 |
| Cash dividends to net income (ytd only)* | 25.1272% | 3,060 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5898% | 3,030 |
| Loan loss allowance to noncurrent loans | 552.8302% | 585 |
| Noncurrent assets plus other real estate owned to assets | 0.1741% | 7,096 |
| Noncurrent loans to loans | 0.2876% | 6,791 |
| Net loans and leases to total assets | 59.5789% | 5,650 |
| Net loans and leases to deposits | 70.3939% | 5,861 |
| Net loans and leases to core deposits | 82.0939% | 6,177 |
| Total domestic deposits to total assets | 84.6364% | 3,412 |
| Equity capital to assets | 11.1425% | 2,883 |
| Core capital (leverage) ratio | 10.2773% | 2,996 |
| Tier 1 risk-based capital ratio | 14.9000% | 3,089 |
| Total risk-based capital ratio | 16.1498% | 3,026 |
| Memoranda: | ||
| Average total assets | $30,874,250 | 7,511 |
| Average earning assets | $29,315,250 | 7,445 |
| Average equity | $3,307,500 | 7,567 |
| Average total loans | $17,960,500 | 7,380 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2383% | 5,923 |
| Cost of funding earning assets | 1.5674% | 5,847 |
| Net interest margin | 3.6709% | 4,081 |
| Noninterest income to average assets | 0.3998% | 5,283 |
| Noninterest expense to average assets | 3.0369% | 3,935 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.8253% | 2,752 |
| Return on assets (ROA) | 0.8253% | 2,849 |
| Pretax return on assets | 0.8511% | 3,506 |
| Return on Equity (ROE) | 7.8065% | 2,852 |
| Retained earnings to average equity (ytd only) | 4.7571% | 2,660 |
| Net charge-offs to loans | -0.1348% | 7,994 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.1095% | 3,332 |
| Assets per employee ($millions) | 3.5017% | 4,815 |
| Cash dividends to net income (ytd only)* | 39.0625% | 2,470 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6233% | 2,641 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 56.3446% | 6,173 |
| Net loans and leases to deposits | 66.1218% | 6,381 |
| Net loans and leases to core deposits | 76.5652% | 6,641 |
| Total domestic deposits to total assets | 85.2134% | 3,156 |
| Equity capital to assets | 10.4300% | 3,487 |
| Core capital (leverage) ratio | 10.0970% | 3,192 |
| Tier 1 risk-based capital ratio | 14.7034% | 3,143 |
| Total risk-based capital ratio | 15.9510% | 3,080 |
| Memoranda: | ||
| Average total assets | $31,018,330 | 7,566 |
| Average earning assets | $29,475,000 | 7,503 |
| Average equity | $3,279,330 | 7,640 |
| Average total loans | $17,804,000 | 7,447 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2575% | 6,080 |
| Cost of funding earning assets | 1.7114% | 5,552 |
| Net interest margin | 3.5461% | 4,542 |
| Noninterest income to average assets | 0.4160% | 5,086 |
| Noninterest expense to average assets | 2.7949% | 4,574 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.9620% | 2,471 |
| Return on assets (ROA) | 0.9620% | 2,598 |
| Pretax return on assets | 0.9880% | 3,395 |
| Return on Equity (ROE) | 9.0368% | 2,700 |
| Retained earnings to average equity (ytd only) | 9.0368% | 1,471 |
| Net charge-offs to loans | -0.3167% | 8,072 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8832% | 3,847 |
| Assets per employee ($millions) | 3.4339% | 4,984 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7208% | 2,070 |
| 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% | 7,590 |
| Net loans and leases to total assets | 54.5155% | 6,410 |
| Net loans and leases to deposits | 64.5616% | 6,506 |
| Net loans and leases to core deposits | 74.6544% | 6,768 |
| Total domestic deposits to total assets | 84.4394% | 3,493 |
| Equity capital to assets | 10.7588% | 3,227 |
| Core capital (leverage) ratio | 9.9417% | 3,467 |
| Tier 1 risk-based capital ratio | 15.2975% | 2,942 |
| Total risk-based capital ratio | 16.5481% | 2,880 |
| Memoranda: | ||
| Average total assets | $30,770,000 | 7,616 |
| Average earning assets | $29,215,500 | 7,556 |
| Average equity | $3,275,500 | 7,699 |
| Average total loans | $17,681,000 | 7,496 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7993% | 6,437 |
| Cost of funding earning assets | 2.3632% | 4,882 |
| Net interest margin | 3.4361% | 5,525 |
| Noninterest income to average assets | 0.3996% | 5,475 |
| Noninterest expense to average assets | 3.0485% | 3,900 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.5349% | 4,597 |
| Return on assets (ROA) | 0.5349% | 4,446 |
| Pretax return on assets | 0.5607% | 4,814 |
| Return on Equity (ROE) | 5.4455% | 4,180 |
| Retained earnings to average equity (ytd only) | 1.1809% | 4,525 |
| Net charge-offs to loans | -0.0166% | 7,906 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.4643% | 2,013 |
| Assets per employee ($millions) | 3.4039% | 4,931 |
| Cash dividends to net income (ytd only)* | 78.3133% | 1,795 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5423% | 2,490 |
| 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 | 58.5539% | 6,122 |
| Net loans and leases to deposits | 69.6513% | 6,311 |
| Net loans and leases to core deposits | 80.8236% | 6,549 |
| Total domestic deposits to total assets | 84.0672% | 3,294 |
| Equity capital to assets | 10.5304% | 3,465 |
| Core capital (leverage) ratio | 9.9523% | 3,492 |
| Tier 1 risk-based capital ratio | 14.2650% | 3,414 |
| Total risk-based capital ratio | 15.5158% | 3,335 |
| Memoranda: | ||
| Average total assets | $31,032,000 | 7,600 |
| Average earning assets | $28,986,400 | 7,566 |
| Average equity | $3,048,400 | 7,823 |
| Average total loans | $18,113,600 | 7,452 |