Home > Adams State Bank > Performance and Condition Ratios
Adams State Bank, Performance and Condition Ratios
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7677% | 3,484 |
| Cost of funding earning assets | 2.1327% | 1,904 |
| Net interest margin | 2.6351% | 3,728 |
| Noninterest income to average assets | 0.2100% | 3,644 |
| Noninterest expense to average assets | 1.9366% | 3,719 |
| Loan and lease loss provision to assets | 0.4000% | 282 |
| Net operating income to assets | 0.2809% | 3,872 |
| Return on assets (ROA) | 0.2809% | 3,903 |
| Pretax return on assets | 0.3902% | 3,811 |
| Return on Equity (ROE) | 2.0600% | 3,975 |
| Retained earnings to average equity (ytd only) | 0.9056% | 3,708 |
| Net charge-offs to loans | 0.6505% | 232 |
| Credit loss provision to net charge-offs | 94.3333% | 1,986 |
| Earnings coverage of net charge-offs (x) | 1.8600% | 2,865 |
| Efficiency ratio | 70.9828% | 1,874 |
| Assets per employee ($millions) | 8.8723% | 1,106 |
| Cash dividends to net income (ytd only)* | 56.0606% | 1,363 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6099% | 4,175 |
| Loan loss allowance to noncurrent loans | 471.8750% | 1,254 |
| Noncurrent assets plus other real estate owned to assets | 0.0902% | 3,049 |
| Noncurrent loans to loans | 0.1293% | 3,010 |
| Net loans and leases to total assets | 69.3300% | 1,983 |
| Net loans and leases to deposits | 94.2559% | 841 |
| Net loans and leases to core deposits | 106.9572% | 1,079 |
| Total domestic deposits to total assets | 73.5600% | 4,078 |
| Equity capital to assets | 13.8268% | 709 |
| Core capital (leverage) ratio | 14.7259% | 637 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $70,484,800 | 4,042 |
| Average earning assets | $67,474,200 | 4,000 |
| Average equity | $9,606,400 | 3,795 |
| Average total loans | $46,119,800 | 3,873 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5701% | 3,739 |
| Cost of funding earning assets | 2.1110% | 1,947 |
| Net interest margin | 2.4592% | 3,949 |
| Noninterest income to average assets | -0.3300% | 4,524 |
| Noninterest expense to average assets | 1.9009% | 3,753 |
| Loan and lease loss provision to assets | 0.0000% | 3,009 |
| Net operating income to assets | 0.0265% | 4,190 |
| Return on assets (ROA) | 0.0265% | 4,224 |
| Pretax return on assets | 0.1232% | 4,127 |
| Return on Equity (ROE) | 0.2000% | 4,218 |
| Retained earnings to average equity (ytd only) | 0.1956% | 3,922 |
| Net charge-offs to loans | -0.0118% | 4,039 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 93.9139% | 403 |
| Assets per employee ($millions) | 9.1304% | 1,029 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6858% | 4,112 |
| Loan loss allowance to noncurrent loans | 1,468.1818% | 546 |
| Noncurrent assets plus other real estate owned to assets | 0.0301% | 3,535 |
| Noncurrent loans to loans | 0.0467% | 3,471 |
| Net loans and leases to total assets | 64.0400% | 2,523 |
| Net loans and leases to deposits | 83.9236% | 1,825 |
| Net loans and leases to core deposits | 94.3081% | 1,856 |
| Total domestic deposits to total assets | 76.3000% | 3,900 |
| Equity capital to assets | 13.4496% | 845 |
| Core capital (leverage) ratio | 14.8549% | 653 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $70,351,500 | 4,057 |
| Average earning assets | $67,392,750 | 4,022 |
| Average equity | $9,544,500 | 3,820 |
| Average total loans | $45,271,500 | 3,902 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5167% | 3,759 |
| Cost of funding earning assets | 2.0932% | 1,888 |
| Net interest margin | 2.4235% | 3,974 |
| Noninterest income to average assets | 0.2000% | 3,684 |
| Noninterest expense to average assets | 1.9034% | 3,757 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 0.4895% | 3,455 |
| Return on assets (ROA) | 0.4895% | 3,490 |
| Pretax return on assets | 0.6249% | 3,397 |
| Return on Equity (ROE) | 3.6000% | 3,797 |
| Retained earnings to average equity (ytd only) | 3.5974% | 2,853 |
| Net charge-offs to loans | -0.0134% | 4,046 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 75.2847% | 1,522 |
| Assets per employee ($millions) | 8.7041% | 1,111 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7171% | 4,079 |
| Loan loss allowance to noncurrent loans | 564.9123% | 1,164 |
| Noncurrent assets plus other real estate owned to assets | 0.0819% | 3,085 |
| Noncurrent loans to loans | 0.1269% | 3,014 |
| Net loans and leases to total assets | 64.0300% | 2,560 |
| Net loans and leases to deposits | 82.0177% | 2,014 |
| Net loans and leases to core deposits | 91.9523% | 2,010 |
| Total domestic deposits to total assets | 78.0600% | 3,694 |
| Equity capital to assets | 13.7765% | 719 |
| Core capital (leverage) ratio | 15.4297% | 566 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $69,454,333 | 4,085 |
| Average earning assets | $66,596,667 | 4,046 |
| Average equity | $9,451,333 | 3,810 |
| Average total loans | $44,663,000 | 3,924 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4694% | 3,724 |
| Cost of funding earning assets | 2.0841% | 1,809 |
| Net interest margin | 2.3853% | 4,021 |
| Noninterest income to average assets | 0.2100% | 3,582 |
| Noninterest expense to average assets | 1.7876% | 3,971 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 0.5017% | 3,395 |
| Return on assets (ROA) | 0.5017% | 3,417 |
| Pretax return on assets | 0.7093% | 3,136 |
| Return on Equity (ROE) | 3.7100% | 3,725 |
| Retained earnings to average equity (ytd only) | 3.7098% | 2,791 |
| Net charge-offs to loans | -0.0180% | 4,096 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 71.5935% | 1,979 |
| Assets per employee ($millions) | 8.5836% | 1,173 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7341% | 4,054 |
| Loan loss allowance to noncurrent loans | 10,700.0000% | 128 |
| Noncurrent assets plus other real estate owned to assets | 0.0044% | 3,812 |
| Noncurrent loans to loans | 0.0069% | 3,755 |
| Net loans and leases to total assets | 63.2100% | 2,545 |
| Net loans and leases to deposits | 81.9828% | 1,889 |
| Net loans and leases to core deposits | 92.2274% | 1,900 |
| Total domestic deposits to total assets | 77.1000% | 3,899 |
| Equity capital to assets | 13.7588% | 713 |
| Core capital (leverage) ratio | 15.2673% | 581 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $69,365,000 | 4,110 |
| Average earning assets | $66,406,500 | 4,070 |
| Average equity | $9,380,500 | 3,828 |
| Average total loans | $44,541,500 | 3,942 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9995% | 3,966 |
| Cost of funding earning assets | 1.4063% | 2,214 |
| Net interest margin | 2.5932% | 3,974 |
| Noninterest income to average assets | 0.2200% | 3,634 |
| Noninterest expense to average assets | 1.8913% | 3,851 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.7781% | 2,944 |
| Return on assets (ROA) | 0.7795% | 2,922 |
| Pretax return on assets | 0.8143% | 3,176 |
| Return on Equity (ROE) | 5.9700% | 3,526 |
| Retained earnings to average equity (ytd only) | -0.9112% | 4,174 |
| Net charge-offs to loans | -0.0141% | 4,062 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 69.9410% | 1,887 |
| Assets per employee ($millions) | 8.7576% | 1,085 |
| Cash dividends to net income (ytd only)* | 115.2700% | 185 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7033% | 4,123 |
| Loan loss allowance to noncurrent loans | 10,633.3333% | 126 |
| Noncurrent assets plus other real estate owned to assets | 0.0043% | 3,792 |
| Noncurrent loans to loans | 0.0066% | 3,727 |
| Net loans and leases to total assets | 64.2800% | 2,436 |
| Net loans and leases to deposits | 91.4774% | 1,141 |
| Net loans and leases to core deposits | 101.8821% | 1,336 |
| Total domestic deposits to total assets | 70.2700% | 4,283 |
| Equity capital to assets | 13.2927% | 799 |
| Core capital (leverage) ratio | 15.1664% | 593 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $68,892,600 | 4,123 |
| Average earning assets | $66,058,600 | 4,078 |
| Average equity | $8,999,200 | 3,822 |
| Average total loans | $42,572,000 | 3,955 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9015% | 3,992 |
| Cost of funding earning assets | 1.2587% | 2,262 |
| Net interest margin | 2.6428% | 3,959 |
| Noninterest income to average assets | 0.2300% | 3,581 |
| Noninterest expense to average assets | 1.8425% | 3,893 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.8897% | 2,724 |
| Return on assets (ROA) | 1.0651% | 2,156 |
| Pretax return on assets | 1.1020% | 2,560 |
| Return on Equity (ROE) | 8.1900% | 3,128 |
| Retained earnings to average equity (ytd only) | 1.5544% | 3,828 |
| Net charge-offs to loans | -0.0127% | 4,005 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 66.6667% | 2,195 |
| Assets per employee ($millions) | 8.6494% | 1,060 |
| Cash dividends to net income (ytd only)* | 81.0219% | 450 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7201% | 4,104 |
| Loan loss allowance to noncurrent loans | 5,283.3333% | 228 |
| Noncurrent assets plus other real estate owned to assets | 0.0087% | 3,770 |
| Noncurrent loans to loans | 0.0136% | 3,696 |
| Net loans and leases to total assets | 63.1600% | 2,545 |
| Net loans and leases to deposits | 82.4772% | 1,869 |
| Net loans and leases to core deposits | 89.4124% | 1,969 |
| Total domestic deposits to total assets | 76.5800% | 3,966 |
| Equity capital to assets | 12.8868% | 841 |
| Core capital (leverage) ratio | 15.2972% | 584 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $68,600,500 | 4,143 |
| Average earning assets | $65,888,000 | 4,101 |
| Average equity | $8,920,750 | 3,833 |
| Average total loans | $41,875,750 | 3,975 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7711% | 4,059 |
| Cost of funding earning assets | 1.1079% | 2,260 |
| Net interest margin | 2.6632% | 4,021 |
| Noninterest income to average assets | 0.2200% | 3,636 |
| Noninterest expense to average assets | 1.7806% | 4,035 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.9602% | 2,544 |
| Return on assets (ROA) | 1.1988% | 1,825 |
| Pretax return on assets | 1.2426% | 2,246 |
| Return on Equity (ROE) | 9.1900% | 2,930 |
| Retained earnings to average equity (ytd only) | 1.7261% | 3,778 |
| Net charge-offs to loans | -0.0097% | 3,899 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 64.1728% | 2,462 |
| Assets per employee ($millions) | 8.6086% | 1,043 |
| Cash dividends to net income (ytd only)* | 81.2195% | 532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7486% | 4,107 |
| Loan loss allowance to noncurrent loans | 10,500.0000% | 144 |
| Noncurrent assets plus other real estate owned to assets | 0.0044% | 3,838 |
| Noncurrent loans to loans | 0.0071% | 3,753 |
| Net loans and leases to total assets | 60.6400% | 2,713 |
| Net loans and leases to deposits | 79.1630% | 2,036 |
| Net loans and leases to core deposits | 84.9155% | 2,146 |
| Total domestic deposits to total assets | 76.6000% | 3,994 |
| Equity capital to assets | 12.9086% | 830 |
| Core capital (leverage) ratio | 15.2307% | 561 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $68,402,333 | 4,162 |
| Average earning assets | $65,710,000 | 4,124 |
| Average equity | $8,922,000 | 3,856 |
| Average total loans | $41,161,000 | 3,998 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6242% | 4,127 |
| Cost of funding earning assets | 0.9962% | 2,064 |
| Net interest margin | 2.6280% | 4,175 |
| Noninterest income to average assets | 0.2100% | 3,716 |
| Noninterest expense to average assets | 1.7955% | 4,034 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.9158% | 2,805 |
| Return on assets (ROA) | 2.1241% | 409 |
| Pretax return on assets | 2.1535% | 613 |
| Return on Equity (ROE) | 16.2000% | 1,315 |
| Retained earnings to average equity (ytd only) | 11.2329% | 1,419 |
| Net charge-offs to loans | -0.0197% | 4,098 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 65.8065% | 2,229 |
| Assets per employee ($millions) | 8.5923% | 1,094 |
| Cash dividends to net income (ytd only)* | 30.6630% | 1,707 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7648% | 4,152 |
| Loan loss allowance to noncurrent loans | 6,300.0000% | 247 |
| Noncurrent assets plus other real estate owned to assets | 0.0073% | 3,805 |
| Noncurrent loans to loans | 0.0121% | 3,731 |
| Net loans and leases to total assets | 59.4600% | 2,719 |
| Net loans and leases to deposits | 74.8092% | 2,230 |
| Net loans and leases to core deposits | 78.0298% | 2,387 |
| Total domestic deposits to total assets | 79.4800% | 3,837 |
| Equity capital to assets | 13.1848% | 718 |
| Core capital (leverage) ratio | 15.2684% | 546 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $68,169,000 | 4,220 |
| Average earning assets | $65,449,000 | 4,176 |
| Average equity | $8,938,000 | 3,903 |
| Average total loans | $40,702,000 | 4,059 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2219% | 3,775 |
| Cost of funding earning assets | 0.4205% | 1,936 |
| Net interest margin | 2.8014% | 3,890 |
| Noninterest income to average assets | 0.2100% | 3,885 |
| Noninterest expense to average assets | 1.8964% | 3,830 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.9719% | 2,667 |
| Return on assets (ROA) | 0.9764% | 2,596 |
| Pretax return on assets | 0.9916% | 3,094 |
| Return on Equity (ROE) | 7.0100% | 3,637 |
| Retained earnings to average equity (ytd only) | 2.1530% | 3,948 |
| Net charge-offs to loans | -0.0347% | 4,243 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 65.7686% | 2,263 |
| Assets per employee ($millions) | 7.5111% | 1,610 |
| Cash dividends to net income (ytd only)* | 69.2668% | 687 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7783% | 4,078 |
| Loan loss allowance to noncurrent loans | 1,841.1765% | 635 |
| Noncurrent assets plus other real estate owned to assets | 0.0251% | 3,581 |
| Noncurrent loans to loans | 0.0423% | 3,461 |
| Net loans and leases to total assets | 59.0300% | 2,728 |
| Net loans and leases to deposits | 78.2416% | 1,919 |
| Net loans and leases to core deposits | 82.6118% | 1,961 |
| Total domestic deposits to total assets | 75.4500% | 4,286 |
| Equity capital to assets | 13.0370% | 699 |
| Core capital (leverage) ratio | 15.7507% | 485 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $65,652,400 | 4,275 |
| Average earning assets | $62,539,800 | 4,231 |
| Average equity | $9,150,000 | 3,975 |
| Average total loans | $37,456,400 | 4,110 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1299% | 3,602 |
| Cost of funding earning assets | 0.3764% | 1,467 |
| Net interest margin | 2.7534% | 3,830 |
| Noninterest income to average assets | 0.2100% | 3,937 |
| Noninterest expense to average assets | 1.7616% | 4,049 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.0456% | 2,299 |
| Return on assets (ROA) | 1.0496% | 2,256 |
| Pretax return on assets | 1.0742% | 2,796 |
| Return on Equity (ROE) | 7.4100% | 3,485 |
| Retained earnings to average equity (ytd only) | 0.9674% | 4,218 |
| Net charge-offs to loans | -0.0399% | 4,244 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 62.2110% | 2,802 |
| Assets per employee ($millions) | 7.4041% | 1,673 |
| Cash dividends to net income (ytd only)* | 86.9396% | 325 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8104% | 4,068 |
| Loan loss allowance to noncurrent loans | 10,366.6667% | 145 |
| Noncurrent assets plus other real estate owned to assets | 0.0045% | 3,969 |
| Noncurrent loans to loans | 0.0078% | 3,891 |
| Net loans and leases to total assets | 57.1200% | 2,785 |
| Net loans and leases to deposits | 70.6719% | 2,310 |
| Net loans and leases to core deposits | 73.9576% | 2,352 |
| Total domestic deposits to total assets | 80.8300% | 4,011 |
| Equity capital to assets | 12.6626% | 737 |
| Core capital (leverage) ratio | 15.8311% | 469 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $65,165,500 | 4,312 |
| Average earning assets | $61,981,500 | 4,271 |
| Average equity | $9,234,250 | 4,012 |
| Average total loans | $36,766,250 | 4,144 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0169% | 3,515 |
| Cost of funding earning assets | 0.3800% | 1,044 |
| Net interest margin | 2.6370% | 3,835 |
| Noninterest income to average assets | 0.2010% | 3,990 |
| Noninterest expense to average assets | 1.7627% | 4,031 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.9248% | 2,466 |
| Return on assets (ROA) | 0.9308% | 2,423 |
| Pretax return on assets | 0.9555% | 2,884 |
| Return on Equity (ROE) | 6.3371% | 3,492 |
| Retained earnings to average equity (ytd only) | -0.6737% | 4,261 |
| Net charge-offs to loans | -0.0442% | 4,191 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9943% | 2,639 |
| Assets per employee ($millions) | 7.4343% | 1,655 |
| Cash dividends to net income (ytd only)* | 110.6312% | 283 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8582% | 4,069 |
| Loan loss allowance to noncurrent loans | 6,160.0000% | 217 |
| Noncurrent assets plus other real estate owned to assets | 0.0075% | 3,966 |
| Noncurrent loans to loans | 0.0139% | 3,865 |
| Net loans and leases to total assets | 53.1767% | 3,046 |
| Net loans and leases to deposits | 65.2270% | 2,614 |
| Net loans and leases to core deposits | 68.2119% | 2,634 |
| Total domestic deposits to total assets | 81.5257% | 4,068 |
| Equity capital to assets | 13.3510% | 602 |
| Core capital (leverage) ratio | 15.5676% | 418 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $64,675,000 | 4,359 |
| Average earning assets | $61,585,667 | 4,329 |
| Average equity | $9,499,667 | 4,049 |
| Average total loans | $36,229,333 | 4,208 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9801% | 3,311 |
| Cost of funding earning assets | 0.4088% | 826 |
| Net interest margin | 2.5713% | 3,734 |
| Noninterest income to average assets | 0.2077% | 3,915 |
| Noninterest expense to average assets | 1.7811% | 3,984 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.8559% | 2,465 |
| Return on assets (ROA) | 0.8559% | 2,455 |
| Pretax return on assets | 0.8811% | 2,850 |
| Return on Equity (ROE) | 5.5607% | 3,468 |
| Retained earnings to average equity (ytd only) | 1.0222% | 3,820 |
| Net charge-offs to loans | -0.0440% | 4,214 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9031% | 2,648 |
| Assets per employee ($millions) | 7.3226% | 1,790 |
| Cash dividends to net income (ytd only)* | 81.6176% | 682 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8845% | 4,082 |
| Loan loss allowance to noncurrent loans | 620.4082% | 1,286 |
| Noncurrent assets plus other real estate owned to assets | 0.0744% | 3,326 |
| Noncurrent loans to loans | 0.1426% | 3,096 |
| Net loans and leases to total assets | 51.6896% | 3,013 |
| Net loans and leases to deposits | 63.4819% | 2,577 |
| Net loans and leases to core deposits | 66.4307% | 2,592 |
| Total domestic deposits to total assets | 81.4242% | 4,154 |
| Equity capital to assets | 14.2892% | 481 |
| Core capital (leverage) ratio | 15.3822% | 388 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $63,558,000 | 4,396 |
| Average earning assets | $60,669,000 | 4,365 |
| Average equity | $9,783,000 | 4,082 |
| Average total loans | $36,400,000 | 4,221 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8181% | 1,825 |
| Cost of funding earning assets | 0.4966% | 951 |
| Net interest margin | 3.3215% | 2,257 |
| Noninterest income to average assets | 0.2418% | 3,928 |
| Noninterest expense to average assets | 2.1879% | 3,124 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.1812% | 1,990 |
| Return on assets (ROA) | 1.2056% | 1,953 |
| Pretax return on assets | 1.2459% | 2,534 |
| Return on Equity (ROE) | 7.0248% | 3,510 |
| Retained earnings to average equity (ytd only) | 2.9156% | 3,670 |
| Net charge-offs to loans | -0.0201% | 3,980 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1872% | 2,532 |
| Assets per employee ($millions) | 6.8014% | 2,067 |
| Cash dividends to net income (ytd only)* | 58.4958% | 1,143 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7806% | 4,298 |
| Loan loss allowance to noncurrent loans | 7,500.0000% | 195 |
| Noncurrent assets plus other real estate owned to assets | 0.0065% | 4,104 |
| Noncurrent loans to loans | 0.0104% | 4,019 |
| Net loans and leases to total assets | 62.2923% | 1,904 |
| Net loans and leases to deposits | 81.0867% | 1,126 |
| Net loans and leases to core deposits | 85.8768% | 1,210 |
| Total domestic deposits to total assets | 76.8219% | 4,471 |
| Equity capital to assets | 16.5798% | 320 |
| Core capital (leverage) ratio | 17.1768% | 282 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $59,555,800 | 4,458 |
| Average earning assets | $56,781,600 | 4,430 |
| Average equity | $10,221,000 | 4,101 |
| Average total loans | $34,905,800 | 4,287 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0425% | 1,444 |
| Cost of funding earning assets | 0.5216% | 943 |
| Net interest margin | 3.5209% | 1,812 |
| Noninterest income to average assets | 0.2457% | 3,925 |
| Noninterest expense to average assets | 1.7923% | 4,182 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.7702% | 709 |
| Return on assets (ROA) | 1.7945% | 705 |
| Pretax return on assets | 1.8261% | 1,104 |
| Return on Equity (ROE) | 10.3653% | 2,605 |
| Retained earnings to average equity (ytd only) | 4.8962% | 3,258 |
| Net charge-offs to loans | -0.0118% | 3,741 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.8745% | 4,232 |
| Assets per employee ($millions) | 6.6471% | 2,139 |
| Cash dividends to net income (ytd only)* | 52.7638% | 1,089 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8562% | 4,257 |
| Loan loss allowance to noncurrent loans | 7,400.0000% | 176 |
| Noncurrent assets plus other real estate owned to assets | 0.0067% | 4,209 |
| Noncurrent loans to loans | 0.0116% | 4,121 |
| Net loans and leases to total assets | 57.2931% | 2,581 |
| Net loans and leases to deposits | 71.4807% | 2,106 |
| Net loans and leases to core deposits | 76.3686% | 2,013 |
| Total domestic deposits to total assets | 80.1518% | 4,209 |
| Equity capital to assets | 17.2890% | 322 |
| Core capital (leverage) ratio | 17.1530% | 309 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $59,141,500 | 4,520 |
| Average earning assets | $56,234,000 | 4,493 |
| Average equity | $10,239,000 | 4,156 |
| Average total loans | $34,024,500 | 4,359 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1162% | 3,830 |
| Cost of funding earning assets | 0.5402% | 988 |
| Net interest margin | 2.5760% | 4,203 |
| Noninterest income to average assets | 1.5752% | 500 |
| Noninterest expense to average assets | 1.7687% | 4,247 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 2.2206% | 326 |
| Return on assets (ROA) | 2.2575% | 320 |
| Pretax return on assets | 2.2881% | 489 |
| Return on Equity (ROE) | 13.0337% | 1,704 |
| Retained earnings to average equity (ytd only) | 6.8598% | 2,484 |
| Net charge-offs to loans | -0.0177% | 3,935 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.0034% | 4,615 |
| Assets per employee ($millions) | 6.7501% | 1,983 |
| Cash dividends to net income (ytd only)* | 47.3684% | 1,324 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8587% | 4,267 |
| Loan loss allowance to noncurrent loans | 29,600.0000% | 47 |
| Noncurrent assets plus other real estate owned to assets | 0.0016% | 4,327 |
| Noncurrent loans to loans | 0.0029% | 4,254 |
| Net loans and leases to total assets | 56.2559% | 2,868 |
| Net loans and leases to deposits | 70.2935% | 2,376 |
| Net loans and leases to core deposits | 74.0445% | 2,404 |
| Total domestic deposits to total assets | 80.0300% | 4,234 |
| Equity capital to assets | 16.9627% | 328 |
| Core capital (leverage) ratio | 17.0153% | 307 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $58,914,000 | 4,549 |
| Average earning assets | $55,901,333 | 4,525 |
| Average equity | $10,204,333 | 4,177 |
| Average total loans | $33,842,333 | 4,396 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1481% | 3,783 |
| Cost of funding earning assets | 0.5803% | 962 |
| Net interest margin | 2.5678% | 4,209 |
| Noninterest income to average assets | 1.8346% | 427 |
| Noninterest expense to average assets | 1.8760% | 4,040 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 2.3662% | 333 |
| Return on assets (ROA) | 2.4140% | 332 |
| Pretax return on assets | 2.4485% | 477 |
| Return on Equity (ROE) | 13.7877% | 1,475 |
| Retained earnings to average equity (ytd only) | 9.6514% | 1,752 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.8710% | 4,586 |
| Assets per employee ($millions) | 6.5593% | 2,127 |
| Cash dividends to net income (ytd only)* | 30.0000% | 1,719 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8832% | 4,202 |
| Loan loss allowance to noncurrent loans | 29,300.0000% | 30 |
| Noncurrent assets plus other real estate owned to assets | 0.0017% | 4,401 |
| Noncurrent loans to loans | 0.0030% | 4,318 |
| Net loans and leases to total assets | 55.7018% | 3,081 |
| Net loans and leases to deposits | 69.9579% | 2,511 |
| Net loans and leases to core deposits | 73.0798% | 2,605 |
| Total domestic deposits to total assets | 79.6219% | 4,248 |
| Equity capital to assets | 17.2866% | 290 |
| Core capital (leverage) ratio | 17.6855% | 276 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $57,995,500 | 4,579 |
| Average earning assets | $55,143,500 | 4,547 |
| Average equity | $10,154,000 | 4,197 |
| Average total loans | $33,527,500 | 4,422 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8869% | 3,067 |
| Cost of funding earning assets | 0.8211% | 1,126 |
| Net interest margin | 3.0658% | 3,706 |
| Noninterest income to average assets | 0.2395% | 4,068 |
| Noninterest expense to average assets | 2.1463% | 3,837 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.9543% | 2,459 |
| Return on assets (ROA) | 0.9543% | 2,611 |
| Pretax return on assets | 0.9840% | 3,094 |
| Return on Equity (ROE) | 5.1281% | 3,869 |
| Retained earnings to average equity (ytd only) | 0.9378% | 4,247 |
| Net charge-offs to loans | -0.0296% | 4,529 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5647% | 2,155 |
| Assets per employee ($millions) | 6.3286% | 2,064 |
| Cash dividends to net income (ytd only)* | 81.7121% | 594 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8648% | 4,284 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 58.9673% | 2,986 |
| Net loans and leases to deposits | 75.8628% | 2,298 |
| Net loans and leases to core deposits | 79.9153% | 2,370 |
| Total domestic deposits to total assets | 77.7288% | 4,346 |
| Equity capital to assets | 17.7379% | 287 |
| Core capital (leverage) ratio | 17.2897% | 296 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $53,860,600 | 4,602 |
| Average earning assets | $50,786,200 | 4,574 |
| Average equity | $10,023,200 | 4,188 |
| Average total loans | $33,811,600 | 4,437 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0056% | 2,958 |
| Cost of funding earning assets | 0.8797% | 1,137 |
| Net interest margin | 3.1259% | 3,674 |
| Noninterest income to average assets | 0.2512% | 3,976 |
| Noninterest expense to average assets | 1.9942% | 4,158 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 1.1629% | 1,771 |
| Return on assets (ROA) | 1.1629% | 1,889 |
| Pretax return on assets | 1.1930% | 2,411 |
| Return on Equity (ROE) | 6.1712% | 3,494 |
| Retained earnings to average equity (ytd only) | 0.5731% | 4,368 |
| Net charge-offs to loans | -0.0276% | 4,498 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5690% | 2,981 |
| Assets per employee ($millions) | 6.2563% | 2,041 |
| Cash dividends to net income (ytd only)* | 90.7127% | 420 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8690% | 4,161 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 58.7511% | 3,345 |
| Net loans and leases to deposits | 75.7522% | 2,776 |
| Net loans and leases to core deposits | 79.8402% | 2,857 |
| Total domestic deposits to total assets | 77.5570% | 4,258 |
| Equity capital to assets | 17.8308% | 312 |
| Core capital (leverage) ratio | 17.7204% | 285 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $53,086,500 | 4,630 |
| Average earning assets | $49,862,500 | 4,608 |
| Average equity | $10,003,250 | 4,203 |
| Average total loans | $33,794,750 | 4,466 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2066% | 2,739 |
| Cost of funding earning assets | 0.9014% | 1,368 |
| Net interest margin | 3.3052% | 3,372 |
| Noninterest income to average assets | 0.2461% | 3,998 |
| Noninterest expense to average assets | 1.9880% | 4,252 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.3151% | 1,324 |
| Return on assets (ROA) | 1.3151% | 1,431 |
| Pretax return on assets | 1.3458% | 1,883 |
| Return on Equity (ROE) | 6.8462% | 3,191 |
| Retained earnings to average equity (ytd only) | 0.5405% | 4,203 |
| Net charge-offs to loans | -0.0295% | 4,531 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6309% | 3,461 |
| Assets per employee ($millions) | 6.2750% | 1,972 |
| Cash dividends to net income (ytd only)* | 92.1053% | 559 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8809% | 4,079 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 57.3776% | 3,566 |
| Net loans and leases to deposits | 75.0683% | 2,965 |
| Net loans and leases to core deposits | 78.2006% | 3,089 |
| Total domestic deposits to total assets | 76.4338% | 4,384 |
| Equity capital to assets | 17.7353% | 322 |
| Core capital (leverage) ratio | 18.6533% | 260 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $52,013,000 | 4,660 |
| Average earning assets | $48,590,333 | 4,642 |
| Average equity | $9,991,000 | 4,220 |
| Average total loans | $33,936,000 | 4,480 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5640% | 2,119 |
| Cost of funding earning assets | 0.9455% | 1,664 |
| Net interest margin | 3.6185% | 2,611 |
| Noninterest income to average assets | 0.2652% | 3,947 |
| Noninterest expense to average assets | 2.1293% | 4,158 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.4865% | 807 |
| Return on assets (ROA) | 1.4865% | 881 |
| Pretax return on assets | 1.5186% | 1,260 |
| Return on Equity (ROE) | 7.4159% | 2,774 |
| Retained earnings to average equity (ytd only) | 3.2069% | 2,995 |
| Net charge-offs to loans | -0.0231% | 4,384 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.3700% | 3,954 |
| Assets per employee ($millions) | 5.6197% | 2,006 |
| Cash dividends to net income (ytd only)* | 56.7568% | 1,464 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8483% | 4,281 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 65.8639% | 2,833 |
| Net loans and leases to deposits | 90.5119% | 1,451 |
| Net loans and leases to core deposits | 94.9547% | 1,886 |
| Total domestic deposits to total assets | 72.7683% | 4,741 |
| Equity capital to assets | 19.7224% | 258 |
| Core capital (leverage) ratio | 19.8781% | 242 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.7194% | 778 |
| Memoranda: | ||
| Average total assets | $49,782,000 | 4,713 |
| Average earning assets | $46,538,000 | 4,701 |
| Average equity | $9,978,500 | 4,244 |
| Average total loans | $34,558,000 | 4,484 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6255% | 2,533 |
| Cost of funding earning assets | 0.9588% | 1,914 |
| Net interest margin | 3.6667% | 2,912 |
| Noninterest income to average assets | 0.2818% | 3,996 |
| Noninterest expense to average assets | 2.4242% | 3,625 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.2651% | 1,824 |
| Return on assets (ROA) | 1.2670% | 1,897 |
| Pretax return on assets | 1.2990% | 2,506 |
| Return on Equity (ROE) | 6.4829% | 3,747 |
| Retained earnings to average equity (ytd only) | 2.1882% | 3,903 |
| Net charge-offs to loans | 0.0314% | 2,762 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 59.0000% | 993 |
| Efficiency ratio | 65.1450% | 2,908 |
| Assets per employee ($millions) | 5.4430% | 2,108 |
| Cash dividends to net income (ytd only)* | 66.2461% | 1,279 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7968% | 4,310 |
| Loan loss allowance to noncurrent loans | 2,358.3333% | 281 |
| Noncurrent assets plus other real estate owned to assets | 0.0245% | 4,533 |
| Noncurrent loans to loans | 0.0338% | 4,427 |
| Net loans and leases to total assets | 71.9293% | 2,102 |
| Net loans and leases to deposits | 101.8234% | 482 |
| Net loans and leases to core deposits | 107.1361% | 1,035 |
| Total domestic deposits to total assets | 70.6412% | 4,907 |
| Equity capital to assets | 20.3768% | 237 |
| Core capital (leverage) ratio | 19.7588% | 246 |
| Tier 1 risk-based capital ratio | 25.1202% | 741 |
| Total risk-based capital ratio | 25.8362% | 764 |
| Memoranda: | ||
| Average total assets | $50,037,600 | 4,747 |
| Average earning assets | $46,935,600 | 4,731 |
| Average equity | $9,779,600 | 4,269 |
| Average total loans | $35,045,400 | 4,535 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5870% | 2,767 |
| Cost of funding earning assets | 0.9581% | 1,951 |
| Net interest margin | 3.6289% | 3,177 |
| Noninterest income to average assets | 0.2810% | 4,063 |
| Noninterest expense to average assets | 2.2292% | 4,124 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.4235% | 1,403 |
| Return on assets (ROA) | 1.4261% | 1,451 |
| Pretax return on assets | 1.4579% | 2,085 |
| Return on Equity (ROE) | 7.3730% | 3,558 |
| Retained earnings to average equity (ytd only) | 1.6171% | 4,393 |
| Net charge-offs to loans | -0.0191% | 4,575 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5036% | 3,544 |
| Assets per employee ($millions) | 5.6874% | 1,857 |
| Cash dividends to net income (ytd only)* | 78.0670% | 711 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8555% | 4,212 |
| Loan loss allowance to noncurrent loans | 1,868.7500% | 349 |
| Noncurrent assets plus other real estate owned to assets | 0.0313% | 4,574 |
| Noncurrent loans to loans | 0.0458% | 4,445 |
| Net loans and leases to total assets | 67.6930% | 2,837 |
| Net loans and leases to deposits | 97.9145% | 827 |
| Net loans and leases to core deposits | 102.8831% | 1,422 |
| Total domestic deposits to total assets | 69.1347% | 5,023 |
| Equity capital to assets | 19.3448% | 283 |
| Core capital (leverage) ratio | 19.3513% | 275 |
| Tier 1 risk-based capital ratio | 22.1874% | 1,041 |
| Total risk-based capital ratio | 22.8620% | 1,098 |
| Memoranda: | ||
| Average total assets | $50,300,250 | 4,807 |
| Average earning assets | $47,175,750 | 4,795 |
| Average equity | $9,729,000 | 4,321 |
| Average total loans | $34,927,000 | 4,595 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4787% | 3,079 |
| Cost of funding earning assets | 0.9153% | 2,074 |
| Net interest margin | 3.5634% | 3,389 |
| Noninterest income to average assets | 0.2720% | 4,118 |
| Noninterest expense to average assets | 2.1678% | 4,301 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.4198% | 1,377 |
| Return on assets (ROA) | 1.4159% | 1,441 |
| Pretax return on assets | 1.4479% | 2,045 |
| Return on Equity (ROE) | 7.3206% | 3,561 |
| Retained earnings to average equity (ytd only) | 0.8065% | 4,489 |
| Net charge-offs to loans | -0.0172% | 4,501 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8895% | 3,742 |
| Assets per employee ($millions) | 5.6859% | 1,799 |
| Cash dividends to net income (ytd only)* | 88.9831% | 630 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8410% | 4,303 |
| Loan loss allowance to noncurrent loans | 1,856.2500% | 363 |
| Noncurrent assets plus other real estate owned to assets | 0.0313% | 4,619 |
| Noncurrent loans to loans | 0.0453% | 4,484 |
| Net loans and leases to total assets | 68.4326% | 2,763 |
| Net loans and leases to deposits | 100.6351% | 632 |
| Net loans and leases to core deposits | 105.8136% | 1,258 |
| Total domestic deposits to total assets | 68.0007% | 5,104 |
| Equity capital to assets | 19.1195% | 288 |
| Core capital (leverage) ratio | 19.5581% | 253 |
| Tier 1 risk-based capital ratio | 23.9157% | 851 |
| Total risk-based capital ratio | 24.6439% | 888 |
| Memoranda: | ||
| Average total assets | $50,004,670 | 4,849 |
| Average earning assets | $46,977,670 | 4,835 |
| Average equity | $9,671,330 | 4,346 |
| Average total loans | $34,919,670 | 4,628 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4149% | 3,172 |
| Cost of funding earning assets | 0.8881% | 2,059 |
| Net interest margin | 3.5268% | 3,511 |
| Noninterest income to average assets | 0.2671% | 4,091 |
| Noninterest expense to average assets | 2.1368% | 4,404 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.4407% | 1,263 |
| Return on assets (ROA) | 1.4407% | 1,292 |
| Pretax return on assets | 1.4731% | 1,855 |
| Return on Equity (ROE) | 7.4051% | 3,496 |
| Retained earnings to average equity (ytd only) | 3.0369% | 3,722 |
| Net charge-offs to loans | -0.0115% | 4,279 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.1928% | 3,923 |
| Assets per employee ($millions) | 5.4662% | 2,016 |
| Cash dividends to net income (ytd only)* | 58.9888% | 1,384 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8512% | 4,343 |
| Loan loss allowance to noncurrent loans | 9,833.3333% | 86 |
| Noncurrent assets plus other real estate owned to assets | 0.0061% | 4,852 |
| Noncurrent loans to loans | 0.0087% | 4,752 |
| Net loans and leases to total assets | 69.8471% | 2,507 |
| Net loans and leases to deposits | 101.4167% | 536 |
| Net loans and leases to core deposits | 106.7640% | 1,120 |
| Total domestic deposits to total assets | 68.8715% | 5,147 |
| Equity capital to assets | 19.7801% | 246 |
| Core capital (leverage) ratio | 19.7132% | 246 |
| Tier 1 risk-based capital ratio | 25.2002% | 748 |
| Total risk-based capital ratio | 25.9597% | 774 |
| Memoranda: | ||
| Average total assets | $49,420,500 | 4,913 |
| Average earning assets | $46,841,500 | 4,887 |
| Average equity | $9,615,000 | 4,388 |
| Average total loans | $34,721,500 | 4,679 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2904% | 3,149 |
| Cost of funding earning assets | 0.7015% | 2,083 |
| Net interest margin | 3.5889% | 3,419 |
| Noninterest income to average assets | 0.2975% | 4,118 |
| Noninterest expense to average assets | 2.2735% | 4,180 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.3649% | 1,554 |
| Return on assets (ROA) | 1.3649% | 1,540 |
| Pretax return on assets | 1.3971% | 2,147 |
| Return on Equity (ROE) | 7.2363% | 3,754 |
| Retained earnings to average equity (ytd only) | 2.7603% | 4,018 |
| Net charge-offs to loans | -0.0119% | 4,542 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9387% | 3,538 |
| Assets per employee ($millions) | 5.5177% | 1,935 |
| Cash dividends to net income (ytd only)* | 61.8557% | 1,413 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8452% | 4,374 |
| Loan loss allowance to noncurrent loans | 9,800.0000% | 95 |
| Noncurrent assets plus other real estate owned to assets | 0.0060% | 4,889 |
| Noncurrent loans to loans | 0.0086% | 4,775 |
| Net loans and leases to total assets | 69.4577% | 2,664 |
| Net loans and leases to deposits | 102.7496% | 548 |
| Net loans and leases to core deposits | 108.2034% | 1,108 |
| Total domestic deposits to total assets | 67.5990% | 5,218 |
| Equity capital to assets | 19.1566% | 267 |
| Core capital (leverage) ratio | 19.7704% | 243 |
| Tier 1 risk-based capital ratio | 25.3882% | 719 |
| Total risk-based capital ratio | 26.1554% | 736 |
| Memoranda: | ||
| Average total assets | $49,747,200 | 4,938 |
| Average earning assets | $46,755,400 | 4,919 |
| Average equity | $9,383,200 | 4,402 |
| Average total loans | $33,654,800 | 4,729 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2270% | 3,219 |
| Cost of funding earning assets | 0.6826% | 1,964 |
| Net interest margin | 3.5444% | 3,539 |
| Noninterest income to average assets | 0.3054% | 4,104 |
| Noninterest expense to average assets | 2.1003% | 4,554 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.4975% | 1,200 |
| Return on assets (ROA) | 1.4975% | 1,197 |
| Pretax return on assets | 1.5297% | 1,807 |
| Return on Equity (ROE) | 7.9706% | 3,560 |
| Retained earnings to average equity (ytd only) | 1.9820% | 4,586 |
| Net charge-offs to loans | -0.0040% | 4,185 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.8598% | 4,149 |
| Assets per employee ($millions) | 5.5824% | 1,844 |
| Cash dividends to net income (ytd only)* | 75.1352% | 696 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8430% | 4,487 |
| Loan loss allowance to noncurrent loans | 9,700.0000% | 92 |
| Noncurrent assets plus other real estate owned to assets | 0.0060% | 4,996 |
| Noncurrent loans to loans | 0.0087% | 4,895 |
| Net loans and leases to total assets | 68.1283% | 2,913 |
| Net loans and leases to deposits | 96.0841% | 1,148 |
| Net loans and leases to core deposits | 101.7902% | 1,631 |
| Total domestic deposits to total assets | 70.9048% | 5,185 |
| Equity capital to assets | 18.5741% | 290 |
| Core capital (leverage) ratio | 19.5695% | 253 |
| Tier 1 risk-based capital ratio | 25.1821% | 737 |
| Total risk-based capital ratio | 25.9448% | 756 |
| Memoranda: | ||
| Average total assets | $49,769,250 | 4,992 |
| Average earning assets | $46,683,250 | 4,971 |
| Average equity | $9,350,750 | 4,446 |
| Average total loans | $33,372,000 | 4,787 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1990% | 3,115 |
| Cost of funding earning assets | 0.6741% | 1,777 |
| Net interest margin | 3.5249% | 3,553 |
| Noninterest income to average assets | 0.2619% | 4,434 |
| Noninterest expense to average assets | 1.9303% | 4,921 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.6087% | 906 |
| Return on assets (ROA) | 1.6482% | 814 |
| Pretax return on assets | 1.6804% | 1,270 |
| Return on Equity (ROE) | 8.7253% | 3,157 |
| Retained earnings to average equity (ytd only) | 2.0053% | 4,456 |
| Net charge-offs to loans | -0.0182% | 4,525 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.0632% | 4,686 |
| Assets per employee ($millions) | 5.4256% | 1,967 |
| Cash dividends to net income (ytd only)* | 77.0171% | 778 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9001% | 4,343 |
| Loan loss allowance to noncurrent loans | 14,650.0000% | 62 |
| Noncurrent assets plus other real estate owned to assets | 0.0041% | 5,035 |
| Noncurrent loans to loans | 0.0061% | 4,934 |
| Net loans and leases to total assets | 66.0639% | 3,141 |
| Net loans and leases to deposits | 93.0754% | 1,462 |
| Net loans and leases to core deposits | 97.2829% | 1,939 |
| Total domestic deposits to total assets | 70.9789% | 5,234 |
| Equity capital to assets | 19.1276% | 259 |
| Core capital (leverage) ratio | 19.6863% | 238 |
| Tier 1 risk-based capital ratio | 25.9257% | 679 |
| Total risk-based capital ratio | 26.7200% | 690 |
| Memoranda: | ||
| Average total assets | $49,629,670 | 5,052 |
| Average earning assets | $46,583,000 | 5,032 |
| Average equity | $9,375,000 | 4,480 |
| Average total loans | $32,989,330 | 4,838 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1352% | 3,106 |
| Cost of funding earning assets | 0.6850% | 1,522 |
| Net interest margin | 3.4502% | 3,703 |
| Noninterest income to average assets | 0.2558% | 4,466 |
| Noninterest expense to average assets | 1.6071% | 5,322 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.8789% | 474 |
| Return on assets (ROA) | 1.8789% | 480 |
| Pretax return on assets | 1.9109% | 704 |
| Return on Equity (ROE) | 10.0080% | 2,416 |
| Retained earnings to average equity (ytd only) | 5.5363% | 2,935 |
| Net charge-offs to loans | -0.0120% | 4,328 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.6818% | 5,291 |
| Assets per employee ($millions) | 5.5117% | 1,932 |
| Cash dividends to net income (ytd only)* | 44.6809% | 1,671 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8960% | 4,466 |
| Loan loss allowance to noncurrent loans | 7,275.0000% | 120 |
| Noncurrent assets plus other real estate owned to assets | 0.0081% | 5,091 |
| Noncurrent loans to loans | 0.0123% | 4,947 |
| Net loans and leases to total assets | 64.8866% | 3,191 |
| Net loans and leases to deposits | 90.1824% | 1,670 |
| Net loans and leases to core deposits | 94.1168% | 2,125 |
| Total domestic deposits to total assets | 71.9504% | 5,285 |
| Equity capital to assets | 18.9255% | 254 |
| Core capital (leverage) ratio | 18.9551% | 254 |
| Tier 1 risk-based capital ratio | 26.6615% | 628 |
| Total risk-based capital ratio | 27.4697% | 656 |
| Memoranda: | ||
| Average total assets | $50,029,500 | 5,109 |
| Average earning assets | $47,301,500 | 5,074 |
| Average equity | $9,392,500 | 4,522 |
| Average total loans | $33,208,000 | 4,884 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0783% | 3,138 |
| Cost of funding earning assets | 0.6065% | 1,556 |
| Net interest margin | 3.4719% | 3,617 |
| Noninterest income to average assets | 0.2667% | 4,528 |
| Noninterest expense to average assets | 2.3111% | 4,296 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.1944% | 1,539 |
| Return on assets (ROA) | 1.1964% | 1,559 |
| Pretax return on assets | 1.2282% | 2,648 |
| Return on Equity (ROE) | 6.4489% | 3,554 |
| Retained earnings to average equity (ytd only) | 1.9422% | 4,163 |
| Net charge-offs to loans | 0.0061% | 3,862 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 308.0000% | 278 |
| Efficiency ratio | 65.3348% | 3,377 |
| Assets per employee ($millions) | 5.6060% | 1,839 |
| Cash dividends to net income (ytd only)* | 69.8835% | 1,276 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8545% | 4,650 |
| Loan loss allowance to noncurrent loans | 5,800.0000% | 161 |
| Noncurrent assets plus other real estate owned to assets | 0.0099% | 5,117 |
| Noncurrent loans to loans | 0.0147% | 4,968 |
| Net loans and leases to total assets | 66.6905% | 3,008 |
| Net loans and leases to deposits | 102.6323% | 569 |
| Net loans and leases to core deposits | 107.5085% | 1,178 |
| Total domestic deposits to total assets | 64.9800% | 5,537 |
| Equity capital to assets | 18.6249% | 270 |
| Core capital (leverage) ratio | 18.2823% | 275 |
| Tier 1 risk-based capital ratio | 25.2425% | 708 |
| Total risk-based capital ratio | 26.0215% | 725 |
| Memoranda: | ||
| Average total assets | $50,235,200 | 5,153 |
| Average earning assets | $47,323,400 | 5,121 |
| Average equity | $9,319,400 | 4,558 |
| Average total loans | $32,583,200 | 4,945 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0676% | 3,103 |
| Cost of funding earning assets | 0.5997% | 1,531 |
| Net interest margin | 3.4679% | 3,610 |
| Noninterest income to average assets | 0.2631% | 4,627 |
| Noninterest expense to average assets | 2.1469% | 4,641 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.3418% | 1,218 |
| Return on assets (ROA) | 1.3418% | 1,244 |
| Pretax return on assets | 1.3737% | 2,203 |
| Return on Equity (ROE) | 7.2400% | 3,527 |
| Retained earnings to average equity (ytd only) | 1.2186% | 4,917 |
| Net charge-offs to loans | 0.0124% | 3,297 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 172.3300% | 492 |
| Efficiency ratio | 60.9811% | 4,047 |
| Assets per employee ($millions) | 5.6054% | 1,824 |
| Cash dividends to net income (ytd only)* | 83.1685% | 573 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8943% | 4,594 |
| Loan loss allowance to noncurrent loans | 5,780.0000% | 142 |
| Noncurrent assets plus other real estate owned to assets | 0.0099% | 5,218 |
| Noncurrent loans to loans | 0.0155% | 5,073 |
| Net loans and leases to total assets | 63.4839% | 3,490 |
| Net loans and leases to deposits | 92.7002% | 1,459 |
| Net loans and leases to core deposits | 96.8549% | 1,994 |
| Total domestic deposits to total assets | 68.4830% | 5,520 |
| Equity capital to assets | 18.5712% | 294 |
| Core capital (leverage) ratio | 18.4895% | 276 |
| Tier 1 risk-based capital ratio | 26.3611% | 654 |
| Total risk-based capital ratio | 27.1742% | 672 |
| Memoranda: | ||
| Average total assets | $50,180,500 | 5,208 |
| Average earning assets | $47,135,500 | 5,177 |
| Average equity | $9,300,000 | 4,609 |
| Average total loans | $32,244,500 | 5,008 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0178% | 3,146 |
| Cost of funding earning assets | 0.5697% | 1,652 |
| Net interest margin | 3.4481% | 3,597 |
| Noninterest income to average assets | 0.2715% | 4,607 |
| Noninterest expense to average assets | 2.0163% | 4,943 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.4613% | 931 |
| Return on assets (ROA) | 1.4613% | 956 |
| Pretax return on assets | 1.4933% | 1,670 |
| Return on Equity (ROE) | 7.8905% | 3,097 |
| Retained earnings to average equity (ytd only) | 1.0995% | 4,804 |
| Net charge-offs to loans | 0.0248% | 2,723 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 93.5000% | 685 |
| Efficiency ratio | 57.4516% | 4,658 |
| Assets per employee ($millions) | 5.7194% | 1,681 |
| Cash dividends to net income (ytd only)* | 86.0656% | 711 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8932% | 4,665 |
| Loan loss allowance to noncurrent loans | 9,600.0000% | 84 |
| Noncurrent assets plus other real estate owned to assets | 0.0058% | 5,280 |
| Noncurrent loans to loans | 0.0093% | 5,149 |
| Net loans and leases to total assets | 62.0787% | 3,622 |
| Net loans and leases to deposits | 91.5564% | 1,552 |
| Net loans and leases to core deposits | 95.6021% | 2,015 |
| Total domestic deposits to total assets | 67.8038% | 5,599 |
| Equity capital to assets | 18.1544% | 320 |
| Core capital (leverage) ratio | 18.3543% | 285 |
| Tier 1 risk-based capital ratio | 26.1130% | 663 |
| Total risk-based capital ratio | 26.9178% | 684 |
| Memoranda: | ||
| Average total assets | $50,091,000 | 5,247 |
| Average earning assets | $47,041,000 | 5,218 |
| Average equity | $9,277,000 | 4,629 |
| Average total loans | $32,220,670 | 5,035 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7070% | 4,105 |
| Cost of funding earning assets | 0.5822% | 1,502 |
| Net interest margin | 3.1248% | 4,583 |
| Noninterest income to average assets | 0.2834% | 4,519 |
| Noninterest expense to average assets | 1.8381% | 5,322 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.3684% | 1,063 |
| Return on assets (ROA) | 1.3684% | 1,100 |
| Pretax return on assets | 1.4008% | 1,886 |
| Return on Equity (ROE) | 7.3136% | 3,260 |
| Retained earnings to average equity (ytd only) | 2.7697% | 4,021 |
| Net charge-offs to loans | 0.0497% | 1,866 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 43.2500% | 978 |
| Efficiency ratio | 56.7500% | 4,861 |
| Assets per employee ($millions) | 6.2968% | 1,298 |
| Cash dividends to net income (ytd only)* | 62.1302% | 1,365 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8958% | 4,770 |
| Loan loss allowance to noncurrent loans | 9,600.0000% | 100 |
| Noncurrent assets plus other real estate owned to assets | 0.0060% | 5,346 |
| Noncurrent loans to loans | 0.0093% | 5,212 |
| Net loans and leases to total assets | 63.2509% | 3,367 |
| Net loans and leases to deposits | 91.1541% | 1,412 |
| Net loans and leases to core deposits | 95.1616% | 1,878 |
| Total domestic deposits to total assets | 69.3890% | 5,645 |
| Equity capital to assets | 18.4599% | 277 |
| Core capital (leverage) ratio | 18.8398% | 243 |
| Tier 1 risk-based capital ratio | 26.8279% | 636 |
| Total risk-based capital ratio | 27.6540% | 651 |
| Memoranda: | ||
| Average total assets | $49,399,000 | 5,323 |
| Average earning assets | $46,723,000 | 5,281 |
| Average equity | $9,243,000 | 4,668 |
| Average total loans | $32,209,500 | 5,084 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1041% | 2,831 |
| Cost of funding earning assets | 0.5968% | 1,359 |
| Net interest margin | 3.5073% | 3,399 |
| Noninterest income to average assets | 0.2975% | 4,611 |
| Noninterest expense to average assets | 2.2200% | 4,728 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.3260% | 1,157 |
| Return on assets (ROA) | 1.3417% | 1,171 |
| Pretax return on assets | 1.3761% | 2,026 |
| Return on Equity (ROE) | 7.1310% | 3,399 |
| Retained earnings to average equity (ytd only) | 2.8287% | 3,884 |
| Net charge-offs to loans | 0.0031% | 4,160 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 672.0000% | 120 |
| Efficiency ratio | 62.0124% | 4,245 |
| Assets per employee ($millions) | 6.0624% | 1,433 |
| Cash dividends to net income (ytd only)* | 60.3318% | 1,764 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6725% | 5,409 |
| Loan loss allowance to noncurrent loans | 1,142.1053% | 543 |
| Noncurrent assets plus other real estate owned to assets | 0.0392% | 5,205 |
| Noncurrent loans to loans | 0.0589% | 5,011 |
| Net loans and leases to total assets | 66.0880% | 3,058 |
| Net loans and leases to deposits | 96.7783% | 928 |
| Net loans and leases to core deposits | 101.2637% | 1,511 |
| Total domestic deposits to total assets | 68.2880% | 5,708 |
| Equity capital to assets | 19.0973% | 239 |
| Core capital (leverage) ratio | 19.1321% | 222 |
| Tier 1 risk-based capital ratio | 26.6902% | 644 |
| Total risk-based capital ratio | 27.3087% | 676 |
| Memoranda: | ||
| Average total assets | $49,415,000 | 5,358 |
| Average earning assets | $46,246,800 | 5,328 |
| Average equity | $9,297,400 | 4,689 |
| Average total loans | $32,730,800 | 5,107 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1786% | 2,579 |
| Cost of funding earning assets | 0.6019% | 1,310 |
| Net interest margin | 3.5767% | 3,172 |
| Noninterest income to average assets | 0.3008% | 4,615 |
| Noninterest expense to average assets | 1.9848% | 5,234 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.6172% | 706 |
| Return on assets (ROA) | 1.6383% | 707 |
| Pretax return on assets | 1.6732% | 1,190 |
| Return on Equity (ROE) | 8.7394% | 2,636 |
| Retained earnings to average equity (ytd only) | 3.0086% | 4,109 |
| Net charge-offs to loans | -0.0568% | 5,407 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.5790% | 5,192 |
| Assets per employee ($millions) | 6.0975% | 1,356 |
| Cash dividends to net income (ytd only)* | 65.5740% | 1,195 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7142% | 5,399 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 66.1152% | 3,105 |
| Net loans and leases to deposits | 92.1931% | 1,470 |
| Net loans and leases to core deposits | 96.2142% | 1,970 |
| Total domestic deposits to total assets | 71.7138% | 5,607 |
| Equity capital to assets | 19.4096% | 247 |
| Core capital (leverage) ratio | 19.0983% | 227 |
| Tier 1 risk-based capital ratio | 22.2379% | 1,104 |
| Total risk-based capital ratio | 22.7920% | 1,171 |
| Memoranda: | ||
| Average total assets | $49,644,000 | 5,406 |
| Average earning assets | $46,298,000 | 5,377 |
| Average equity | $9,306,250 | 4,741 |
| Average total loans | $32,846,250 | 5,154 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1238% | 2,767 |
| Cost of funding earning assets | 0.6044% | 1,284 |
| Net interest margin | 3.5194% | 3,415 |
| Noninterest income to average assets | 0.2884% | 4,723 |
| Noninterest expense to average assets | 1.9827% | 5,304 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.5588% | 789 |
| Return on assets (ROA) | 1.5902% | 783 |
| Pretax return on assets | 1.6262% | 1,289 |
| Return on Equity (ROE) | 8.5816% | 2,709 |
| Retained earnings to average equity (ytd only) | 2.2049% | 4,470 |
| Net charge-offs to loans | -0.0728% | 5,509 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.4311% | 5,205 |
| Assets per employee ($millions) | 6.1720% | 1,283 |
| Cash dividends to net income (ytd only)* | 74.3073% | 1,046 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6976% | 5,527 |
| Loan loss allowance to noncurrent loans | 1,642.8571% | 374 |
| Noncurrent assets plus other real estate owned to assets | 0.0284% | 5,478 |
| Noncurrent loans to loans | 0.0425% | 5,295 |
| Net loans and leases to total assets | 66.3035% | 3,040 |
| Net loans and leases to deposits | 91.0122% | 1,629 |
| Net loans and leases to core deposits | 94.8570% | 2,076 |
| Total domestic deposits to total assets | 72.8512% | 5,614 |
| Equity capital to assets | 18.9951% | 264 |
| Core capital (leverage) ratio | 18.7350% | 245 |
| Tier 1 risk-based capital ratio | 25.9130% | 729 |
| Total risk-based capital ratio | 26.5606% | 770 |
| Memoranda: | ||
| Average total assets | $49,932,000 | 5,461 |
| Average earning assets | $46,655,670 | 5,432 |
| Average equity | $9,252,330 | 4,786 |
| Average total loans | $32,967,330 | 5,201 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0900% | 2,880 |
| Cost of funding earning assets | 0.6012% | 1,327 |
| Net interest margin | 3.4888% | 3,511 |
| Noninterest income to average assets | 0.2788% | 4,718 |
| Noninterest expense to average assets | 1.9677% | 5,399 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.5626% | 764 |
| Return on assets (ROA) | 1.6172% | 721 |
| Pretax return on assets | 1.6491% | 1,183 |
| Return on Equity (ROE) | 8.8367% | 2,499 |
| Retained earnings to average equity (ytd only) | 5.1366% | 2,851 |
| Net charge-offs to loans | -0.1213% | 5,708 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.2573% | 5,259 |
| Assets per employee ($millions) | 6.2781% | 1,232 |
| Cash dividends to net income (ytd only)* | 41.8719% | 2,017 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7026% | 5,590 |
| Loan loss allowance to noncurrent loans | 465.3061% | 1,090 |
| Noncurrent assets plus other real estate owned to assets | 0.0976% | 5,189 |
| Noncurrent loans to loans | 0.1510% | 4,871 |
| Net loans and leases to total assets | 64.1533% | 3,217 |
| Net loans and leases to deposits | 90.8350% | 1,479 |
| Net loans and leases to core deposits | 94.7147% | 1,913 |
| Total domestic deposits to total assets | 70.6262% | 5,843 |
| Equity capital to assets | 18.5744% | 288 |
| Core capital (leverage) ratio | 18.2212% | 282 |
| Tier 1 risk-based capital ratio | 29.0582% | 548 |
| Total risk-based capital ratio | 29.7768% | 559 |
| Memoranda: | ||
| Average total assets | $50,210,000 | 5,504 |
| Average earning assets | $47,237,500 | 5,468 |
| Average equity | $9,189,000 | 4,816 |
| Average total loans | $32,967,000 | 5,238 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0289% | 3,204 |
| Cost of funding earning assets | 0.5848% | 1,469 |
| Net interest margin | 3.4441% | 3,742 |
| Noninterest income to average assets | 0.2932% | 4,790 |
| Noninterest expense to average assets | 2.0582% | 5,335 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.4418% | 962 |
| Return on assets (ROA) | 1.4517% | 974 |
| Pretax return on assets | 1.4840% | 1,608 |
| Return on Equity (ROE) | 8.0723% | 2,924 |
| Retained earnings to average equity (ytd only) | 4.6995% | 2,646 |
| Net charge-offs to loans | -0.0326% | 5,423 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.2713% | 5,110 |
| Assets per employee ($millions) | 6.2744% | 1,220 |
| Cash dividends to net income (ytd only)* | 41.7827% | 2,758 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6510% | 5,724 |
| Loan loss allowance to noncurrent loans | 444.8980% | 1,157 |
| Noncurrent assets plus other real estate owned to assets | 0.0976% | 5,225 |
| Noncurrent loans to loans | 0.1463% | 4,908 |
| Net loans and leases to total assets | 66.2755% | 2,947 |
| Net loans and leases to deposits | 95.2554% | 1,092 |
| Net loans and leases to core deposits | 99.3757% | 1,563 |
| Total domestic deposits to total assets | 69.5767% | 5,911 |
| Equity capital to assets | 18.0277% | 313 |
| Core capital (leverage) ratio | 18.2839% | 277 |
| Tier 1 risk-based capital ratio | 24.0335% | 924 |
| Total risk-based capital ratio | 24.6092% | 959 |
| Memoranda: | ||
| Average total assets | $49,459,600 | 5,558 |
| Average earning assets | $46,514,000 | 5,512 |
| Average equity | $8,894,600 | 4,874 |
| Average total loans | $30,689,000 | 5,336 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9979% | 3,357 |
| Cost of funding earning assets | 0.5889% | 1,476 |
| Net interest margin | 3.4090% | 3,916 |
| Noninterest income to average assets | 0.2868% | 4,897 |
| Noninterest expense to average assets | 1.8102% | 5,760 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.6400% | 702 |
| Return on assets (ROA) | 1.6559% | 705 |
| Pretax return on assets | 1.6884% | 1,137 |
| Return on Equity (ROE) | 9.2139% | 2,459 |
| Retained earnings to average equity (ytd only) | 4.6973% | 3,130 |
| Net charge-offs to loans | -0.0356% | 5,421 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.9814% | 5,657 |
| Assets per employee ($millions) | 6.2074% | 1,235 |
| Cash dividends to net income (ytd only)* | 49.0196% | 1,919 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6996% | 5,728 |
| Loan loss allowance to noncurrent loans | 342.8571% | 1,429 |
| Noncurrent assets plus other real estate owned to assets | 0.1269% | 5,245 |
| Noncurrent loans to loans | 0.2041% | 4,832 |
| Net loans and leases to total assets | 61.7370% | 3,649 |
| Net loans and leases to deposits | 86.1785% | 2,119 |
| Net loans and leases to core deposits | 89.7535% | 2,492 |
| Total domestic deposits to total assets | 71.6386% | 5,888 |
| Equity capital to assets | 18.0229% | 340 |
| Core capital (leverage) ratio | 17.8507% | 308 |
| Tier 1 risk-based capital ratio | 25.8603% | 779 |
| Total risk-based capital ratio | 26.4876% | 815 |
| Memoranda: | ||
| Average total assets | $49,275,750 | 5,628 |
| Average earning assets | $46,189,750 | 5,591 |
| Average equity | $8,856,000 | 4,942 |
| Average total loans | $29,990,000 | 5,425 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9615% | 3,441 |
| Cost of funding earning assets | 0.5858% | 1,522 |
| Net interest margin | 3.3758% | 3,981 |
| Noninterest income to average assets | 0.3052% | 4,772 |
| Noninterest expense to average assets | 1.8109% | 5,831 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.6277% | 710 |
| Return on assets (ROA) | 1.6277% | 740 |
| Pretax return on assets | 1.6603% | 1,167 |
| Return on Equity (ROE) | 9.0655% | 2,501 |
| Retained earnings to average equity (ytd only) | 3.9662% | 3,487 |
| Net charge-offs to loans | -0.0404% | 5,454 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.1688% | 5,701 |
| Assets per employee ($millions) | 6.3781% | 1,111 |
| Cash dividends to net income (ytd only)* | 56.2500% | 1,685 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7180% | 5,776 |
| Loan loss allowance to noncurrent loans | 436.7347% | 1,167 |
| Noncurrent assets plus other real estate owned to assets | 0.0960% | 5,479 |
| Noncurrent loans to loans | 0.1644% | 5,106 |
| Net loans and leases to total assets | 57.9951% | 4,101 |
| Net loans and leases to deposits | 79.9913% | 2,781 |
| Net loans and leases to core deposits | 83.1656% | 3,065 |
| Total domestic deposits to total assets | 72.5017% | 5,908 |
| Equity capital to assets | 17.4463% | 379 |
| Core capital (leverage) ratio | 18.0246% | 290 |
| Tier 1 risk-based capital ratio | 26.1554% | 767 |
| Total risk-based capital ratio | 26.7842% | 803 |
| Memoranda: | ||
| Average total assets | $49,148,000 | 5,690 |
| Average earning assets | $46,093,330 | 5,655 |
| Average equity | $8,824,670 | 4,981 |
| Average total loans | $29,695,330 | 5,484 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9021% | 3,602 |
| Cost of funding earning assets | 0.5524% | 1,818 |
| Net interest margin | 3.3497% | 4,022 |
| Noninterest income to average assets | 0.3070% | 4,730 |
| Noninterest expense to average assets | 1.7756% | 5,930 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.6677% | 637 |
| Return on assets (ROA) | 1.6677% | 668 |
| Pretax return on assets | 1.7009% | 1,045 |
| Return on Equity (ROE) | 9.1509% | 2,380 |
| Retained earnings to average equity (ytd only) | 5.7364% | 2,639 |
| Net charge-offs to loans | -0.0405% | 5,413 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.0740% | 5,854 |
| Assets per employee ($millions) | 6.0764% | 1,348 |
| Cash dividends to net income (ytd only)* | 37.3134% | 2,124 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7334% | 5,841 |
| Loan loss allowance to noncurrent loans | 430.6122% | 1,142 |
| Noncurrent assets plus other real estate owned to assets | 0.1008% | 5,548 |
| Noncurrent loans to loans | 0.1703% | 5,161 |
| Net loans and leases to total assets | 58.7521% | 3,837 |
| Net loans and leases to deposits | 80.2270% | 2,533 |
| Net loans and leases to core deposits | 84.1485% | 2,753 |
| Total domestic deposits to total assets | 73.2324% | 5,959 |
| Equity capital to assets | 18.2819% | 308 |
| Core capital (leverage) ratio | 18.4805% | 264 |
| Tier 1 risk-based capital ratio | 28.3328% | 633 |
| Total risk-based capital ratio | 29.2269% | 638 |
| Memoranda: | ||
| Average total assets | $48,209,500 | 5,765 |
| Average earning assets | $45,616,000 | 5,718 |
| Average equity | $8,786,000 | 5,041 |
| Average total loans | $29,640,000 | 5,529 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1151% | 3,271 |
| Cost of funding earning assets | 0.5895% | 1,860 |
| Net interest margin | 3.5256% | 3,698 |
| Noninterest income to average assets | 0.3863% | 4,289 |
| Noninterest expense to average assets | 2.2211% | 5,295 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.4590% | 965 |
| Return on assets (ROA) | 1.4590% | 996 |
| Pretax return on assets | 1.4926% | 1,571 |
| Return on Equity (ROE) | 8.4560% | 2,872 |
| Retained earnings to average equity (ytd only) | 5.0493% | 2,570 |
| Net charge-offs to loans | -0.0311% | 5,798 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8078% | 5,247 |
| Assets per employee ($millions) | 5.9760% | 1,394 |
| Cash dividends to net income (ytd only)* | 40.2878% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6818% | 6,025 |
| Loan loss allowance to noncurrent loans | 2,971.4286% | 237 |
| Noncurrent assets plus other real estate owned to assets | 0.0146% | 5,995 |
| Noncurrent loans to loans | 0.0229% | 5,797 |
| Net loans and leases to total assets | 63.3806% | 3,304 |
| Net loans and leases to deposits | 91.5410% | 1,342 |
| Net loans and leases to core deposits | 96.3496% | 1,686 |
| Total domestic deposits to total assets | 69.2374% | 6,228 |
| Equity capital to assets | 18.1664% | 303 |
| Core capital (leverage) ratio | 18.0246% | 287 |
| Tier 1 risk-based capital ratio | 25.8577% | 769 |
| Total risk-based capital ratio | 26.4771% | 805 |
| Memoranda: | ||
| Average total assets | $47,633,800 | 5,839 |
| Average earning assets | $44,956,400 | 5,800 |
| Average equity | $8,219,000 | 5,146 |
| Average total loans | $28,974,800 | 5,605 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1098% | 3,334 |
| Cost of funding earning assets | 0.6011% | 1,817 |
| Net interest margin | 3.5086% | 3,795 |
| Noninterest income to average assets | 0.3978% | 4,258 |
| Noninterest expense to average assets | 1.9723% | 5,814 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.6950% | 622 |
| Return on assets (ROA) | 1.6950% | 649 |
| Pretax return on assets | 1.7286% | 1,019 |
| Return on Equity (ROE) | 9.9556% | 2,243 |
| Retained earnings to average equity (ytd only) | 5.3480% | 2,850 |
| Net charge-offs to loans | -0.0280% | 5,714 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.2930% | 5,893 |
| Assets per employee ($millions) | 5.9193% | 1,395 |
| Cash dividends to net income (ytd only)* | 46.2803% | 2,029 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7149% | 6,072 |
| Loan loss allowance to noncurrent loans | 2,928.5714% | 214 |
| Noncurrent assets plus other real estate owned to assets | 0.0148% | 6,121 |
| Noncurrent loans to loans | 0.0244% | 5,925 |
| Net loans and leases to total assets | 60.1237% | 3,768 |
| Net loans and leases to deposits | 81.3992% | 2,504 |
| Net loans and leases to core deposits | 85.4139% | 2,733 |
| Total domestic deposits to total assets | 73.8628% | 6,028 |
| Equity capital to assets | 18.0428% | 334 |
| Core capital (leverage) ratio | 18.1963% | 294 |
| Tier 1 risk-based capital ratio | 26.1416% | 774 |
| Total risk-based capital ratio | 26.7652% | 819 |
| Memoranda: | ||
| Average total assets | $47,590,250 | 5,910 |
| Average earning assets | $44,802,750 | 5,873 |
| Average equity | $8,102,500 | 5,218 |
| Average total loans | $28,591,250 | 5,679 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0909% | 3,387 |
| Cost of funding earning assets | 0.6119% | 1,800 |
| Net interest margin | 3.4791% | 3,862 |
| Noninterest income to average assets | 0.4028% | 4,220 |
| Noninterest expense to average assets | 1.9929% | 5,849 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.6447% | 646 |
| Return on assets (ROA) | 1.6447% | 676 |
| Pretax return on assets | 1.6782% | 1,063 |
| Return on Equity (ROE) | 9.8550% | 2,221 |
| Retained earnings to average equity (ytd only) | 4.5755% | 3,254 |
| Net charge-offs to loans | -0.0280% | 5,659 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.2857% | 5,892 |
| Assets per employee ($millions) | 5.9820% | 1,291 |
| Cash dividends to net income (ytd only)* | 53.5714% | 1,774 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6968% | 6,179 |
| Loan loss allowance to noncurrent loans | 2,900.0000% | 201 |
| Noncurrent assets plus other real estate owned to assets | 0.0146% | 6,199 |
| Noncurrent loans to loans | 0.0240% | 5,999 |
| Net loans and leases to total assets | 60.4564% | 3,643 |
| Net loans and leases to deposits | 81.3748% | 2,336 |
| Net loans and leases to core deposits | 85.3049% | 2,579 |
| Total domestic deposits to total assets | 74.2937% | 6,084 |
| Equity capital to assets | 17.2476% | 388 |
| Core capital (leverage) ratio | 17.7562% | 308 |
| Tier 1 risk-based capital ratio | 25.3731% | 834 |
| Total risk-based capital ratio | 25.9826% | 888 |
| Memoranda: | ||
| Average total assets | $47,669,000 | 5,964 |
| Average earning assets | $44,782,000 | 5,919 |
| Average equity | $7,955,330 | 5,281 |
| Average total loans | $28,563,000 | 5,719 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0852% | 3,349 |
| Cost of funding earning assets | 0.6361% | 1,680 |
| Net interest margin | 3.4491% | 3,907 |
| Noninterest income to average assets | 0.4540% | 3,754 |
| Noninterest expense to average assets | 1.9926% | 5,897 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.6647% | 601 |
| Return on assets (ROA) | 1.6647% | 624 |
| Pretax return on assets | 1.6984% | 979 |
| Return on Equity (ROE) | 10.1460% | 1,983 |
| Retained earnings to average equity (ytd only) | 6.5591% | 2,248 |
| Net charge-offs to loans | -0.0283% | 5,526 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.9863% | 6,010 |
| Assets per employee ($millions) | 5.9754% | 1,321 |
| Cash dividends to net income (ytd only)* | 35.3535% | 2,139 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7270% | 6,239 |
| Loan loss allowance to noncurrent loans | 2,512.5000% | 231 |
| Noncurrent assets plus other real estate owned to assets | 0.0167% | 6,264 |
| Noncurrent loans to loans | 0.0289% | 6,067 |
| Net loans and leases to total assets | 57.4169% | 3,938 |
| Net loans and leases to deposits | 75.2901% | 2,905 |
| Net loans and leases to core deposits | 78.8186% | 3,112 |
| Total domestic deposits to total assets | 76.2609% | 6,052 |
| Equity capital to assets | 16.7354% | 425 |
| Core capital (leverage) ratio | 17.1204% | 359 |
| Tier 1 risk-based capital ratio | 26.2064% | 775 |
| Total risk-based capital ratio | 26.8338% | 805 |
| Memoranda: | ||
| Average total assets | $47,575,500 | 6,018 |
| Average earning assets | $44,649,500 | 5,984 |
| Average equity | $7,806,000 | 5,341 |
| Average total loans | $28,277,000 | 5,782 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1416% | 3,573 |
| Cost of funding earning assets | 0.6414% | 2,284 |
| Net interest margin | 3.5001% | 3,913 |
| Noninterest income to average assets | 0.3406% | 4,878 |
| Noninterest expense to average assets | 2.2869% | 5,416 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.3110% | 1,224 |
| Return on assets (ROA) | 1.3257% | 1,228 |
| Pretax return on assets | 1.3604% | 1,931 |
| Return on Equity (ROE) | 7.6911% | 3,201 |
| Retained earnings to average equity (ytd only) | 4.1666% | 3,208 |
| Net charge-offs to loans | -0.0363% | 6,264 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9630% | 5,066 |
| Assets per employee ($millions) | 5.9185% | 1,326 |
| Cash dividends to net income (ytd only)* | 45.8265% | 2,506 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6884% | 6,359 |
| Loan loss allowance to noncurrent loans | 19,900.0000% | 37 |
| Noncurrent assets plus other real estate owned to assets | 0.0021% | 6,447 |
| Noncurrent loans to loans | 0.0035% | 6,303 |
| Net loans and leases to total assets | 60.6298% | 3,606 |
| Net loans and leases to deposits | 85.2447% | 1,781 |
| Net loans and leases to core deposits | 89.5666% | 2,075 |
| Total domestic deposits to total assets | 71.1244% | 6,472 |
| Equity capital to assets | 16.0767% | 515 |
| Core capital (leverage) ratio | 17.4792% | 333 |
| Tier 1 risk-based capital ratio | 25.3053% | 830 |
| Total risk-based capital ratio | 25.9144% | 878 |
| Memoranda: | ||
| Average total assets | $46,089,400 | 6,117 |
| Average earning assets | $43,341,200 | 6,069 |
| Average equity | $7,944,200 | 5,355 |
| Average total loans | $27,521,200 | 5,870 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1261% | 3,660 |
| Cost of funding earning assets | 0.6443% | 2,413 |
| Net interest margin | 3.4818% | 3,958 |
| Noninterest income to average assets | 0.3524% | 4,876 |
| Noninterest expense to average assets | 1.9836% | 6,042 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.6082% | 740 |
| Return on assets (ROA) | 1.6282% | 752 |
| Pretax return on assets | 1.6632% | 1,177 |
| Return on Equity (ROE) | 9.2847% | 2,503 |
| Retained earnings to average equity (ytd only) | 4.6341% | 3,374 |
| Net charge-offs to loans | -0.0393% | 6,235 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.6988% | 6,044 |
| Assets per employee ($millions) | 5.8828% | 1,319 |
| Cash dividends to net income (ytd only)* | 50.0892% | 1,860 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6932% | 6,452 |
| Loan loss allowance to noncurrent loans | 4,925.0000% | 131 |
| Noncurrent assets plus other real estate owned to assets | 0.0085% | 6,482 |
| Noncurrent loans to loans | 0.0141% | 6,320 |
| Net loans and leases to total assets | 59.9698% | 3,695 |
| Net loans and leases to deposits | 80.6049% | 2,324 |
| Net loans and leases to core deposits | 84.5101% | 2,597 |
| Total domestic deposits to total assets | 74.3997% | 6,342 |
| Equity capital to assets | 16.5484% | 467 |
| Core capital (leverage) ratio | 17.9954% | 301 |
| Tier 1 risk-based capital ratio | 25.1123% | 866 |
| Total risk-based capital ratio | 25.7145% | 920 |
| Memoranda: | ||
| Average total assets | $45,774,750 | 6,195 |
| Average earning assets | $43,042,250 | 6,147 |
| Average equity | $8,027,250 | 5,384 |
| Average total loans | $27,175,000 | 5,942 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0580% | 3,884 |
| Cost of funding earning assets | 0.6344% | 2,640 |
| Net interest margin | 3.4237% | 4,097 |
| Noninterest income to average assets | 0.3617% | 4,801 |
| Noninterest expense to average assets | 1.9892% | 6,072 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.5746% | 778 |
| Return on assets (ROA) | 1.5746% | 848 |
| Pretax return on assets | 1.6099% | 1,341 |
| Return on Equity (ROE) | 8.8072% | 2,709 |
| Retained earnings to average equity (ytd only) | 3.6265% | 4,003 |
| Net charge-offs to loans | -0.0374% | 6,153 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.2696% | 6,043 |
| Assets per employee ($millions) | 5.6866% | 1,429 |
| Cash dividends to net income (ytd only)* | 58.8235% | 1,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7269% | 6,463 |
| Loan loss allowance to noncurrent loans | 6,466.6667% | 113 |
| Noncurrent assets plus other real estate owned to assets | 0.0066% | 6,548 |
| Noncurrent loans to loans | 0.0112% | 6,399 |
| Net loans and leases to total assets | 58.2419% | 3,943 |
| Net loans and leases to deposits | 75.8394% | 2,899 |
| Net loans and leases to core deposits | 79.5079% | 3,084 |
| Total domestic deposits to total assets | 76.7964% | 6,152 |
| Equity capital to assets | 16.9411% | 421 |
| Core capital (leverage) ratio | 17.8490% | 295 |
| Tier 1 risk-based capital ratio | 26.2570% | 752 |
| Total risk-based capital ratio | 26.8871% | 790 |
| Memoranda: | ||
| Average total assets | $45,345,670 | 6,253 |
| Average earning assets | $42,878,000 | 6,195 |
| Average equity | $8,107,000 | 5,409 |
| Average total loans | $26,760,000 | 5,989 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8371% | 4,689 |
| Cost of funding earning assets | 0.6333% | 2,813 |
| Net interest margin | 3.2038% | 4,926 |
| Noninterest income to average assets | 0.3534% | 4,850 |
| Noninterest expense to average assets | 1.9173% | 6,250 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.4402% | 969 |
| Return on assets (ROA) | 1.4402% | 1,048 |
| Pretax return on assets | 1.4755% | 1,635 |
| Return on Equity (ROE) | 7.8488% | 3,052 |
| Retained earnings to average equity (ytd only) | 4.4782% | 3,547 |
| Net charge-offs to loans | -0.0149% | 5,588 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.5104% | 6,013 |
| Assets per employee ($millions) | 5.7365% | 1,451 |
| Cash dividends to net income (ytd only)* | 42.9448% | 1,761 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7150% | 6,573 |
| Loan loss allowance to noncurrent loans | 3,166.6667% | 184 |
| Noncurrent assets plus other real estate owned to assets | 0.0131% | 6,583 |
| Noncurrent loans to loans | 0.0226% | 6,427 |
| Net loans and leases to total assets | 57.4937% | 3,848 |
| Net loans and leases to deposits | 74.2695% | 2,887 |
| Net loans and leases to core deposits | 77.2146% | 3,174 |
| Total domestic deposits to total assets | 77.4122% | 6,203 |
| Equity capital to assets | 18.1339% | 320 |
| Core capital (leverage) ratio | 17.4767% | 317 |
| Tier 1 risk-based capital ratio | 26.4275% | 753 |
| Total risk-based capital ratio | 27.0528% | 798 |
| Memoranda: | ||
| Average total assets | $45,272,000 | 6,307 |
| Average earning assets | $42,949,500 | 6,247 |
| Average equity | $8,307,000 | 5,410 |
| Average total loans | $26,795,000 | 6,032 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6133% | 2,946 |
| Cost of funding earning assets | 0.8230% | 2,482 |
| Net interest margin | 3.7903% | 3,269 |
| Noninterest income to average assets | 0.4123% | 4,511 |
| Noninterest expense to average assets | 2.3813% | 5,466 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.5638% | 808 |
| Return on assets (ROA) | 1.5638% | 886 |
| Pretax return on assets | 1.5994% | 1,390 |
| Return on Equity (ROE) | 8.2270% | 2,990 |
| Retained earnings to average equity (ytd only) | 4.7367% | 2,891 |
| Net charge-offs to loans | 0.0161% | 5,687 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 168.7500% | 248 |
| Efficiency ratio | 59.8214% | 5,568 |
| Assets per employee ($millions) | 5.5815% | 1,608 |
| Cash dividends to net income (ytd only)* | 42.4242% | 2,721 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6996% | 6,634 |
| Loan loss allowance to noncurrent loans | 3,780.0000% | 169 |
| Noncurrent assets plus other real estate owned to assets | 0.0112% | 6,659 |
| Noncurrent loans to loans | 0.0185% | 6,492 |
| Net loans and leases to total assets | 60.0779% | 3,594 |
| Net loans and leases to deposits | 82.0267% | 1,994 |
| Net loans and leases to core deposits | 85.5557% | 2,366 |
| Total domestic deposits to total assets | 73.2420% | 6,598 |
| Equity capital to assets | 18.5703% | 288 |
| Core capital (leverage) ratio | 17.8580% | 291 |
| Tier 1 risk-based capital ratio | 25.7152% | 792 |
| Total risk-based capital ratio | 26.3276% | 832 |
| Memoranda: | ||
| Average total assets | $42,204,600 | 6,422 |
| Average earning assets | $39,733,200 | 6,371 |
| Average equity | $8,022,400 | 5,496 |
| Average total loans | $24,860,800 | 6,201 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6836% | 2,869 |
| Cost of funding earning assets | 0.8376% | 2,648 |
| Net interest margin | 3.8460% | 3,136 |
| Noninterest income to average assets | 0.4135% | 4,530 |
| Noninterest expense to average assets | 2.1253% | 6,118 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.8560% | 510 |
| Return on assets (ROA) | 1.8560% | 581 |
| Pretax return on assets | 1.8945% | 881 |
| Return on Equity (ROE) | 9.7043% | 2,497 |
| Retained earnings to average equity (ytd only) | 5.0114% | 3,354 |
| Net charge-offs to loans | 0.0055% | 5,673 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 592.4662% | 71 |
| Efficiency ratio | 52.8708% | 6,367 |
| Assets per employee ($millions) | 5.4794% | 1,655 |
| Cash dividends to net income (ytd only)* | 48.3588% | 1,759 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7581% | 6,677 |
| Loan loss allowance to noncurrent loans | 3,200.0000% | 181 |
| Noncurrent assets plus other real estate owned to assets | 0.0137% | 6,744 |
| Noncurrent loans to loans | 0.0237% | 6,574 |
| Net loans and leases to total assets | 57.3423% | 4,233 |
| Net loans and leases to deposits | 74.6828% | 3,188 |
| Net loans and leases to core deposits | 77.7867% | 3,487 |
| Total domestic deposits to total assets | 76.7811% | 6,269 |
| Equity capital to assets | 18.7567% | 312 |
| Core capital (leverage) ratio | 18.1244% | 293 |
| Tier 1 risk-based capital ratio | 27.1149% | 738 |
| Total risk-based capital ratio | 27.7776% | 764 |
| Memoranda: | ||
| Average total assets | $41,592,750 | 6,527 |
| Average earning assets | $39,000,250 | 6,466 |
| Average equity | $7,955,000 | 5,574 |
| Average total loans | $24,322,250 | 6,312 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7817% | 2,577 |
| Cost of funding earning assets | 0.8694% | 2,664 |
| Net interest margin | 3.9123% | 2,857 |
| Noninterest income to average assets | 0.4113% | 4,571 |
| Noninterest expense to average assets | 2.1349% | 6,169 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.8950% | 465 |
| Return on assets (ROA) | 1.8950% | 529 |
| Pretax return on assets | 1.9341% | 796 |
| Return on Equity (ROE) | 9.8398% | 2,425 |
| Retained earnings to average equity (ytd only) | 4.5004% | 3,613 |
| Net charge-offs to loans | -0.0917% | 6,841 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.4669% | 6,461 |
| Assets per employee ($millions) | 5.3895% | 1,720 |
| Cash dividends to net income (ytd only)* | 54.2636% | 1,579 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8228% | 6,629 |
| Loan loss allowance to noncurrent loans | 3,400.0000% | 159 |
| Noncurrent assets plus other real estate owned to assets | 0.0139% | 6,803 |
| Noncurrent loans to loans | 0.0242% | 6,632 |
| Net loans and leases to total assets | 57.0299% | 4,323 |
| Net loans and leases to deposits | 72.0093% | 3,607 |
| Net loans and leases to core deposits | 74.9436% | 3,895 |
| Total domestic deposits to total assets | 79.1980% | 5,921 |
| Equity capital to assets | 18.5940% | 299 |
| Core capital (leverage) ratio | 18.5121% | 269 |
| Tier 1 risk-based capital ratio | 27.4284% | 691 |
| Total risk-based capital ratio | 28.1519% | 719 |
| Memoranda: | ||
| Average total assets | $40,845,330 | 6,600 |
| Average earning assets | $38,187,330 | 6,548 |
| Average equity | $7,866,000 | 5,614 |
| Average total loans | $23,987,000 | 6,370 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9837% | 1,943 |
| Cost of funding earning assets | 0.8846% | 2,801 |
| Net interest margin | 4.0991% | 2,090 |
| Noninterest income to average assets | 0.4432% | 4,342 |
| Noninterest expense to average assets | 2.1758% | 6,102 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 2.0549% | 377 |
| Return on assets (ROA) | 2.0549% | 438 |
| Pretax return on assets | 2.0952% | 643 |
| Return on Equity (ROE) | 10.4743% | 2,241 |
| Retained earnings to average equity (ytd only) | 6.8802% | 2,489 |
| Net charge-offs to loans | -0.0509% | 6,540 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.9434% | 6,615 |
| Assets per employee ($millions) | 5.1290% | 2,082 |
| Cash dividends to net income (ytd only)* | 34.3137% | 1,949 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8398% | 6,663 |
| 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 | 56.3999% | 4,312 |
| Net loans and leases to deposits | 70.7447% | 3,624 |
| Net loans and leases to core deposits | 73.7453% | 3,929 |
| Total domestic deposits to total assets | 79.7231% | 5,918 |
| Equity capital to assets | 19.1899% | 265 |
| Core capital (leverage) ratio | 18.9387% | 244 |
| Tier 1 risk-based capital ratio | 25.7215% | 830 |
| Total risk-based capital ratio | 26.3770% | 875 |
| Memoranda: | ||
| Average total assets | $39,710,000 | 6,694 |
| Average earning assets | $37,081,000 | 6,639 |
| Average equity | $7,790,500 | 5,661 |
| Average total loans | $23,584,000 | 6,441 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9443% | 3,133 |
| Cost of funding earning assets | 0.9811% | 3,505 |
| Net interest margin | 3.9632% | 3,053 |
| Noninterest income to average assets | 0.4345% | 4,335 |
| Noninterest expense to average assets | 2.5132% | 5,426 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 1.6059% | 653 |
| Return on assets (ROA) | 1.6390% | 667 |
| Pretax return on assets | 1.6755% | 1,048 |
| Return on Equity (ROE) | 8.4725% | 2,683 |
| Retained earnings to average equity (ytd only) | 4.7070% | 2,848 |
| Net charge-offs to loans | -0.0389% | 7,025 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4884% | 5,670 |
| Assets per employee ($millions) | 4.7985% | 2,452 |
| Cash dividends to net income (ytd only)* | 44.4444% | 2,349 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8099% | 6,714 |
| 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 | 61.5739% | 3,684 |
| Net loans and leases to deposits | 82.2843% | 2,163 |
| Net loans and leases to core deposits | 86.2570% | 2,598 |
| Total domestic deposits to total assets | 74.8307% | 6,627 |
| Equity capital to assets | 20.0766% | 230 |
| Core capital (leverage) ratio | 19.4542% | 220 |
| Tier 1 risk-based capital ratio | 25.7277% | 801 |
| Total risk-based capital ratio | 26.3848% | 842 |
| Memoranda: | ||
| Average total assets | $38,437,400 | 6,727 |
| Average earning assets | $36,082,000 | 6,676 |
| Average equity | $7,435,800 | 5,740 |
| Average total loans | $20,583,200 | 6,632 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9036% | 3,536 |
| Cost of funding earning assets | 0.9962% | 3,702 |
| Net interest margin | 3.9074% | 3,346 |
| Noninterest income to average assets | 0.4057% | 4,624 |
| Noninterest expense to average assets | 2.2470% | 6,175 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.7936% | 527 |
| Return on assets (ROA) | 1.8344% | 527 |
| Pretax return on assets | 1.8725% | 831 |
| Return on Equity (ROE) | 9.5727% | 2,357 |
| Retained earnings to average equity (ytd only) | 5.5916% | 2,799 |
| Net charge-offs to loans | -0.0405% | 7,014 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.1020% | 6,376 |
| Assets per employee ($millions) | 4.8548% | 2,392 |
| Cash dividends to net income (ytd only)* | 41.5882% | 1,966 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8849% | 6,647 |
| 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 | 55.0852% | 4,986 |
| Net loans and leases to deposits | 70.0203% | 4,300 |
| Net loans and leases to core deposits | 72.5491% | 4,646 |
| Total domestic deposits to total assets | 78.6704% | 6,054 |
| Equity capital to assets | 19.9058% | 248 |
| Core capital (leverage) ratio | 18.9995% | 261 |
| Tier 1 risk-based capital ratio | 26.9188% | 741 |
| Total risk-based capital ratio | 27.6029% | 778 |
| Memoranda: | ||
| Average total assets | $38,449,750 | 6,779 |
| Average earning assets | $36,136,000 | 6,728 |
| Average equity | $7,368,000 | 5,793 |
| Average total loans | $19,771,500 | 6,736 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8226% | 3,990 |
| Cost of funding earning assets | 0.9989% | 3,957 |
| Net interest margin | 3.8237% | 3,675 |
| Noninterest income to average assets | 0.3758% | 4,874 |
| Noninterest expense to average assets | 2.2181% | 6,338 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.7184% | 578 |
| Return on assets (ROA) | 1.7797% | 561 |
| Pretax return on assets | 1.8163% | 846 |
| Return on Equity (ROE) | 9.4108% | 2,339 |
| Retained earnings to average equity (ytd only) | 4.9952% | 3,014 |
| Net charge-offs to loans | -0.0313% | 6,932 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.8476% | 6,438 |
| Assets per employee ($millions) | 5.0331% | 2,077 |
| Cash dividends to net income (ytd only)* | 46.9208% | 1,794 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9343% | 6,568 |
| Loan loss allowance to noncurrent loans | 18,800.0000% | 33 |
| Noncurrent assets plus other real estate owned to assets | 0.0025% | 7,134 |
| Noncurrent loans to loans | 0.0050% | 7,005 |
| Net loans and leases to total assets | 49.5070% | 5,885 |
| Net loans and leases to deposits | 61.0405% | 5,609 |
| Net loans and leases to core deposits | 64.1542% | 5,707 |
| Total domestic deposits to total assets | 81.1052% | 5,488 |
| Equity capital to assets | 18.7731% | 330 |
| Core capital (leverage) ratio | 18.8995% | 281 |
| Tier 1 risk-based capital ratio | 26.9783% | 726 |
| Total risk-based capital ratio | 27.6648% | 758 |
| Memoranda: | ||
| Average total assets | $38,320,330 | 6,849 |
| Average earning assets | $36,038,670 | 6,799 |
| Average equity | $7,247,000 | 5,854 |
| Average total loans | $19,167,000 | 6,832 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9172% | 3,500 |
| Cost of funding earning assets | 1.0244% | 4,034 |
| Net interest margin | 3.8928% | 3,179 |
| Noninterest income to average assets | 0.3534% | 5,070 |
| Noninterest expense to average assets | 2.2812% | 6,239 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.7029% | 575 |
| Return on assets (ROA) | 1.7029% | 610 |
| Pretax return on assets | 1.7350% | 917 |
| Return on Equity (ROE) | 8.9691% | 2,483 |
| Retained earnings to average equity (ytd only) | 6.7127% | 2,277 |
| Net charge-offs to loans | -0.0856% | 7,042 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.8000% | 6,407 |
| Assets per employee ($millions) | 4.7608% | 2,485 |
| Cash dividends to net income (ytd only)* | 25.1572% | 2,111 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0460% | 6,233 |
| Loan loss allowance to noncurrent loans | 18,900.0000% | 26 |
| Noncurrent assets plus other real estate owned to assets | 0.0026% | 7,206 |
| Noncurrent loans to loans | 0.0055% | 7,074 |
| Net loans and leases to total assets | 46.9438% | 6,198 |
| Net loans and leases to deposits | 57.9283% | 5,932 |
| Net loans and leases to core deposits | 60.1946% | 6,079 |
| Total domestic deposits to total assets | 81.0377% | 5,643 |
| Equity capital to assets | 18.8494% | 315 |
| Core capital (leverage) ratio | 19.3130% | 256 |
| Tier 1 risk-based capital ratio | 28.9348% | 582 |
| Total risk-based capital ratio | 29.6813% | 598 |
| Memoranda: | ||
| Average total assets | $37,348,000 | 6,927 |
| Average earning assets | $35,142,000 | 6,876 |
| Average equity | $7,091,000 | 5,902 |
| Average total loans | $18,689,500 | 6,898 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4035% | 2,656 |
| Cost of funding earning assets | 1.2921% | 3,932 |
| Net interest margin | 4.1114% | 2,516 |
| Noninterest income to average assets | 0.3946% | 4,945 |
| Noninterest expense to average assets | 2.8816% | 4,310 |
| Loan and lease loss provision to assets | 0.0695% | 6,449 |
| Net operating income to assets | 1.2479% | 1,298 |
| Return on assets (ROA) | 1.2560% | 1,349 |
| Pretax return on assets | 1.2894% | 1,959 |
| Return on Equity (ROE) | 6.3754% | 3,409 |
| Retained earnings to average equity (ytd only) | 4.6828% | 2,618 |
| Net charge-offs to loans | -0.0356% | 7,417 |
| Credit loss provision to net charge-offs | -357.1429% | 7,095 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0893% | 4,545 |
| Assets per employee ($millions) | 4.0678% | 3,643 |
| Cash dividends to net income (ytd only)* | 26.5487% | 3,196 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9580% | 6,541 |
| Loan loss allowance to noncurrent loans | 18,500.0000% | 32 |
| Noncurrent assets plus other real estate owned to assets | 0.0027% | 7,269 |
| Noncurrent loans to loans | 0.0052% | 7,154 |
| Net loans and leases to total assets | 52.2426% | 5,881 |
| Net loans and leases to deposits | 68.2316% | 5,072 |
| Net loans and leases to core deposits | 71.1612% | 5,312 |
| Total domestic deposits to total assets | 76.5665% | 6,555 |
| Equity capital to assets | 19.1287% | 311 |
| Core capital (leverage) ratio | 19.7160% | 245 |
| Tier 1 risk-based capital ratio | 27.8930% | 616 |
| Total risk-based capital ratio | 28.6090% | 639 |
| Memoranda: | ||
| Average total assets | $35,987,000 | 7,010 |
| Average earning assets | $33,589,200 | 6,961 |
| Average equity | $7,089,800 | 6,003 |
| Average total loans | $19,666,000 | 6,945 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4728% | 2,549 |
| Cost of funding earning assets | 1.3383% | 3,987 |
| Net interest margin | 4.1346% | 2,464 |
| Noninterest income to average assets | 0.4093% | 4,887 |
| Noninterest expense to average assets | 2.8540% | 4,266 |
| Loan and lease loss provision to assets | 0.0930% | 6,096 |
| Net operating income to assets | 1.2804% | 1,378 |
| Return on assets (ROA) | 1.2912% | 1,436 |
| Pretax return on assets | 1.3247% | 2,109 |
| Return on Equity (ROE) | 6.5058% | 3,572 |
| Retained earnings to average equity (ytd only) | 4.2559% | 3,495 |
| Net charge-offs to loans | -0.0338% | 7,420 |
| Credit loss provision to net charge-offs | -500.0000% | 7,020 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9869% | 4,653 |
| Assets per employee ($millions) | 4.1249% | 3,607 |
| Cash dividends to net income (ytd only)* | 34.5826% | 2,331 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9531% | 6,560 |
| Loan loss allowance to noncurrent loans | 18,300.0000% | 19 |
| Noncurrent assets plus other real estate owned to assets | 0.0027% | 7,374 |
| Noncurrent loans to loans | 0.0052% | 7,262 |
| Net loans and leases to total assets | 51.2256% | 6,198 |
| Net loans and leases to deposits | 65.7391% | 5,697 |
| Net loans and leases to core deposits | 68.4533% | 5,895 |
| Total domestic deposits to total assets | 77.9226% | 6,274 |
| Equity capital to assets | 19.9467% | 290 |
| Core capital (leverage) ratio | 19.3652% | 274 |
| Tier 1 risk-based capital ratio | 26.7808% | 714 |
| Total risk-based capital ratio | 27.4709% | 744 |
| Memoranda: | ||
| Average total assets | $35,831,250 | 7,101 |
| Average earning assets | $33,376,250 | 7,048 |
| Average equity | $7,111,500 | 6,070 |
| Average total loans | $19,754,750 | 7,030 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6517% | 1,933 |
| Cost of funding earning assets | 1.3886% | 3,948 |
| Net interest margin | 4.2631% | 1,909 |
| Noninterest income to average assets | 0.4011% | 4,904 |
| Noninterest expense to average assets | 3.0565% | 3,492 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.2660% | 1,390 |
| Return on assets (ROA) | 1.2825% | 1,410 |
| Pretax return on assets | 1.3164% | 2,036 |
| Return on Equity (ROE) | 6.4731% | 3,561 |
| Retained earnings to average equity (ytd only) | 4.1918% | 3,400 |
| Net charge-offs to loans | -0.0301% | 7,349 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1686% | 4,159 |
| Assets per employee ($millions) | 3.9194% | 3,929 |
| Cash dividends to net income (ytd only)* | 35.2423% | 2,300 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7834% | 7,068 |
| Loan loss allowance to noncurrent loans | 7,800.0000% | 53 |
| Noncurrent assets plus other real estate owned to assets | 0.0057% | 7,412 |
| Noncurrent loans to loans | 0.0100% | 7,307 |
| Net loans and leases to total assets | 56.0085% | 5,705 |
| Net loans and leases to deposits | 72.9390% | 4,844 |
| Net loans and leases to core deposits | 78.2053% | 4,918 |
| Total domestic deposits to total assets | 76.7881% | 6,549 |
| Equity capital to assets | 20.4111% | 269 |
| Core capital (leverage) ratio | 20.0801% | 244 |
| Tier 1 risk-based capital ratio | 26.7648% | 716 |
| Total risk-based capital ratio | 27.3594% | 753 |
| Memoranda: | ||
| Average total assets | $35,400,330 | 7,163 |
| Average earning assets | $32,839,670 | 7,121 |
| Average equity | $7,013,670 | 6,134 |
| Average total loans | $19,939,670 | 7,071 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6251% | 2,051 |
| Cost of funding earning assets | 1.4606% | 3,802 |
| Net interest margin | 4.1645% | 2,176 |
| Noninterest income to average assets | 0.3835% | 5,063 |
| Noninterest expense to average assets | 3.4853% | 2,021 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.7571% | 3,175 |
| Return on assets (ROA) | 0.7896% | 3,128 |
| Pretax return on assets | 0.8234% | 3,776 |
| Return on Equity (ROE) | 4.0460% | 4,877 |
| Retained earnings to average equity (ytd only) | 4.0460% | 3,726 |
| Net charge-offs to loans | -0.0401% | 7,285 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.5303% | 2,347 |
| Assets per employee ($millions) | 3.8887% | 4,124 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8105% | 7,100 |
| Loan loss allowance to noncurrent loans | 7,750.0000% | 48 |
| Noncurrent assets plus other real estate owned to assets | 0.0057% | 7,487 |
| Noncurrent loans to loans | 0.0105% | 7,390 |
| Net loans and leases to total assets | 54.1974% | 6,005 |
| Net loans and leases to deposits | 71.1078% | 5,182 |
| Net loans and leases to core deposits | 76.4407% | 5,200 |
| Total domestic deposits to total assets | 76.2186% | 6,721 |
| Equity capital to assets | 20.0840% | 286 |
| Core capital (leverage) ratio | 19.3029% | 291 |
| Tier 1 risk-based capital ratio | 27.1406% | 698 |
| Total risk-based capital ratio | 27.7463% | 725 |
| Memoranda: | ||
| Average total assets | $35,463,000 | 7,252 |
| Average earning assets | $33,137,000 | 7,199 |
| Average equity | $6,920,500 | 6,214 |
| Average total loans | $19,953,000 | 7,154 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7450% | 2,886 |
| Cost of funding earning assets | 1.8421% | 3,771 |
| Net interest margin | 3.9029% | 3,257 |
| Noninterest income to average assets | 0.6097% | 3,555 |
| Noninterest expense to average assets | 3.0601% | 3,905 |
| Loan and lease loss provision to assets | 0.2816% | 5,168 |
| Net operating income to assets | 0.8602% | 2,311 |
| Return on assets (ROA) | 0.6010% | 3,404 |
| Pretax return on assets | 0.6271% | 3,820 |
| Return on Equity (ROE) | 3.1453% | 4,440 |
| Retained earnings to average equity (ytd only) | -1.1092% | 5,287 |
| Net charge-offs to loans | 0.6011% | 3,418 |
| Credit loss provision to net charge-offs | 82.2034% | 6,240 |
| Earnings coverage of net charge-offs (x) | 3.4407% | 3,342 |
| Efficiency ratio | 72.1918% | 4,234 |
| Assets per employee ($millions) | 3.9920% | 3,826 |
| Cash dividends to net income (ytd only)* | 135.2657% | 333 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7362% | 7,294 |
| Loan loss allowance to noncurrent loans | 7,650.0000% | 64 |
| Noncurrent assets plus other real estate owned to assets | 0.0056% | 7,527 |
| Noncurrent loans to loans | 0.0096% | 7,420 |
| Net loans and leases to total assets | 57.4204% | 5,755 |
| Net loans and leases to deposits | 76.3848% | 4,672 |
| Net loans and leases to core deposits | 93.7557% | 4,698 |
| Total domestic deposits to total assets | 75.1726% | 6,836 |
| Equity capital to assets | 18.9601% | 370 |
| Core capital (leverage) ratio | 19.3102% | 322 |
| Tier 1 risk-based capital ratio | 26.1069% | 755 |
| Total risk-based capital ratio | 26.6879% | 788 |
| Memoranda: | ||
| Average total assets | $34,443,800 | 7,306 |
| Average earning assets | $32,027,800 | 7,258 |
| Average equity | $6,581,200 | 6,398 |
| Average total loans | $19,631,800 | 7,216 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7774% | 2,999 |
| Cost of funding earning assets | 1.9314% | 3,706 |
| Net interest margin | 3.8460% | 3,452 |
| Noninterest income to average assets | 0.5478% | 4,099 |
| Noninterest expense to average assets | 2.7313% | 5,185 |
| Loan and lease loss provision to assets | 0.1839% | 5,527 |
| Net operating income to assets | 1.1531% | 1,581 |
| Return on assets (ROA) | 0.8413% | 2,714 |
| Pretax return on assets | 0.8765% | 3,292 |
| Return on Equity (ROE) | 4.3943% | 4,210 |
| Retained earnings to average equity (ytd only) | -1.3284% | 5,564 |
| Net charge-offs to loans | 0.8340% | 2,296 |
| Credit loss provision to net charge-offs | 38.8430% | 6,436 |
| Earnings coverage of net charge-offs (x) | 2.9256% | 3,768 |
| Efficiency ratio | 66.3498% | 5,308 |
| Assets per employee ($millions) | 4.4284% | 2,978 |
| Cash dividends to net income (ytd only)* | 130.2309% | 351 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5166% | 7,691 |
| Loan loss allowance to noncurrent loans | 5,000.0000% | 80 |
| Noncurrent assets plus other real estate owned to assets | 0.0056% | 7,594 |
| Noncurrent loans to loans | 0.0103% | 7,504 |
| Net loans and leases to total assets | 54.3625% | 6,341 |
| Net loans and leases to deposits | 68.0963% | 6,120 |
| Net loans and leases to core deposits | 82.5115% | 6,150 |
| Total domestic deposits to total assets | 79.8318% | 5,507 |
| Equity capital to assets | 19.2678% | 391 |
| Core capital (leverage) ratio | 19.6197% | 336 |
| Tier 1 risk-based capital ratio | 27.4453% | 715 |
| Total risk-based capital ratio | 27.8440% | 760 |
| Memoranda: | ||
| Average total assets | $34,072,750 | 7,381 |
| Average earning assets | $31,616,750 | 7,344 |
| Average equity | $6,523,500 | 6,474 |
| Average total loans | $19,344,000 | 7,299 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7231% | 3,416 |
| Cost of funding earning assets | 1.9781% | 3,880 |
| Net interest margin | 3.7450% | 3,771 |
| Noninterest income to average assets | 0.5532% | 4,012 |
| Noninterest expense to average assets | 2.9446% | 4,315 |
| Loan and lease loss provision to assets | 0.4461% | 3,305 |
| Net operating income to assets | 0.4883% | 4,128 |
| Return on assets (ROA) | 0.1130% | 5,623 |
| Pretax return on assets | 0.1487% | 5,566 |
| Return on Equity (ROE) | 0.5917% | 5,759 |
| Retained earnings to average equity (ytd only) | -5.9477% | 6,441 |
| Net charge-offs to loans | 1.3031% | 1,415 |
| Credit loss provision to net charge-offs | 59.5238% | 5,599 |
| Earnings coverage of net charge-offs (x) | 1.4524% | 4,444 |
| Efficiency ratio | 73.0088% | 4,195 |
| Assets per employee ($millions) | 4.2984% | 3,121 |
| Cash dividends to net income (ytd only)* | 1,105.2632% | 34 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6435% | 7,555 |
| 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 | 55.2273% | 6,312 |
| Net loans and leases to deposits | 69.0733% | 6,086 |
| Net loans and leases to core deposits | 84.4608% | 6,060 |
| Total domestic deposits to total assets | 79.9546% | 5,488 |
| Equity capital to assets | 18.9694% | 462 |
| Core capital (leverage) ratio | 19.7718% | 373 |
| Tier 1 risk-based capital ratio | 27.8009% | 730 |
| Total risk-based capital ratio | 28.3069% | 759 |
| Memoranda: | ||
| Average total assets | $33,621,330 | 7,462 |
| Average earning assets | $31,242,000 | 7,428 |
| Average equity | $6,422,670 | 6,563 |
| Average total loans | $19,339,000 | 7,371 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7940% | 3,336 |
| Cost of funding earning assets | 2.0131% | 4,067 |
| Net interest margin | 3.7810% | 3,533 |
| Noninterest income to average assets | 0.6860% | 2,969 |
| Noninterest expense to average assets | 3.8510% | 1,380 |
| Loan and lease loss provision to assets | 0.9026% | 1,452 |
| Net operating income to assets | -0.5776% | 6,949 |
| Return on assets (ROA) | -0.5776% | 6,994 |
| Pretax return on assets | -0.5415% | 6,849 |
| Return on Equity (ROE) | -3.0129% | 6,779 |
| Retained earnings to average equity (ytd only) | -7.4068% | 6,841 |
| Net charge-offs to loans | 2.7556% | 474 |
| Credit loss provision to net charge-offs | 55.9701% | 4,586 |
| Earnings coverage of net charge-offs (x) | 0.2239% | 4,805 |
| Efficiency ratio | 91.4286% | 1,621 |
| Assets per employee ($millions) | 4.3018% | 3,071 |
| Cash dividends to net income (ytd only)* | -145.8333% | 8,189 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6131% | 7,638 |
| 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 | 54.1727% | 6,445 |
| Net loans and leases to deposits | 67.2935% | 6,246 |
| Net loans and leases to core deposits | 81.2756% | 6,289 |
| Total domestic deposits to total assets | 80.5021% | 5,170 |
| Equity capital to assets | 18.4285% | 552 |
| Core capital (leverage) ratio | 20.4988% | 374 |
| Tier 1 risk-based capital ratio | 28.8905% | 698 |
| Total risk-based capital ratio | 29.3769% | 731 |
| Memoranda: | ||
| Average total assets | $33,238,500 | 7,521 |
| Average earning assets | $30,997,500 | 7,476 |
| Average equity | $6,372,500 | 6,631 |
| Average total loans | $19,451,500 | 7,412 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3854% | 3,491 |
| Cost of funding earning assets | 2.5947% | 3,713 |
| Net interest margin | 3.7907% | 4,061 |
| Noninterest income to average assets | 0.6240% | 3,682 |
| Noninterest expense to average assets | 2.5241% | 5,915 |
| Loan and lease loss provision to assets | 0.1087% | 5,983 |
| Net operating income to assets | 1.4405% | 1,142 |
| Return on assets (ROA) | 1.4375% | 1,109 |
| Pretax return on assets | 1.4716% | 1,760 |
| Return on Equity (ROE) | 7.0275% | 3,518 |
| Retained earnings to average equity (ytd only) | 2.7776% | 3,450 |
| Net charge-offs to loans | 0.0699% | 5,775 |
| Credit loss provision to net charge-offs | 269.2308% | 1,713 |
| Earnings coverage of net charge-offs (x) | 39.2308% | 953 |
| Efficiency ratio | 61.4512% | 6,061 |
| Assets per employee ($millions) | 4.0079% | 3,498 |
| Cash dividends to net income (ytd only)* | 60.4752% | 2,642 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8637% | 6,834 |
| Loan loss allowance to noncurrent loans | 17,400.0000% | 40 |
| Noncurrent assets plus other real estate owned to assets | 0.0031% | 7,648 |
| Noncurrent loans to loans | 0.0050% | 7,542 |
| Net loans and leases to total assets | 62.2867% | 5,578 |
| Net loans and leases to deposits | 80.2822% | 4,999 |
| Net loans and leases to core deposits | 99.2052% | 4,904 |
| Total domestic deposits to total assets | 77.5848% | 5,842 |
| Equity capital to assets | 19.9701% | 468 |
| Core capital (leverage) ratio | 20.9277% | 380 |
| Tier 1 risk-based capital ratio | 26.6258% | 854 |
| Total risk-based capital ratio | 27.2926% | 879 |
| Memoranda: | ||
| Average total assets | $32,209,600 | 7,548 |
| Average earning assets | $29,598,800 | 7,535 |
| Average equity | $6,588,400 | 6,609 |
| Average total loans | $18,609,800 | 7,423 |