Home > Atascosa Bank > Performance and Condition Ratios
Atascosa Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2734% | 4,101 |
| Cost of funding earning assets | 1.2382% | 3,696 |
| Net interest margin | 3.0352% | 3,325 |
| Noninterest income to average assets | 0.1500% | 3,849 |
| Noninterest expense to average assets | 1.7748% | 3,958 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | 1.0575% | 2,118 |
| Return on assets (ROA) | 1.0575% | 2,119 |
| Pretax return on assets | 1.2736% | 2,047 |
| Return on Equity (ROE) | 10.9700% | 2,021 |
| Retained earnings to average equity (ytd only) | 10.9687% | 964 |
| Net charge-offs to loans | 0.0000% | 2,326 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 58.2202% | 3,154 |
| Assets per employee ($millions) | 8.6746% | 1,234 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1673% | 2,367 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,773 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,816 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 22.9400% | 4,280 |
| Net loans and leases to deposits | 25.6121% | 4,297 |
| Net loans and leases to core deposits | 27.5952% | 4,279 |
| Total domestic deposits to total assets | 89.5600% | 966 |
| Equity capital to assets | 10.2299% | 2,087 |
| Core capital (leverage) ratio | 14.1272% | 771 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $86,995,500 | 3,883 |
| Average earning assets | $83,026,000 | 3,846 |
| Average equity | $8,387,500 | 3,948 |
| Average total loans | $19,647,500 | 4,210 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2560% | 4,113 |
| Cost of funding earning assets | 1.1049% | 3,926 |
| Net interest margin | 3.1511% | 2,822 |
| Noninterest income to average assets | 0.1800% | 3,818 |
| Noninterest expense to average assets | 1.7739% | 3,990 |
| Loan and lease loss provision to assets | 0.1200% | 1,178 |
| Net operating income to assets | 1.0756% | 1,823 |
| Return on assets (ROA) | 1.0756% | 1,832 |
| Pretax return on assets | 1.2907% | 1,778 |
| Return on Equity (ROE) | 11.8500% | 1,648 |
| Retained earnings to average equity (ytd only) | 9.7294% | 635 |
| Net charge-offs to loans | 0.2492% | 594 |
| Credit loss provision to net charge-offs | 220.0000% | 1,075 |
| Earnings coverage of net charge-offs (x) | 27.3111% | 1,599 |
| Efficiency ratio | 55.6478% | 3,593 |
| Assets per employee ($millions) | 7.9314% | 1,571 |
| Cash dividends to net income (ytd only)* | 17.8610% | 3,019 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2263% | 2,038 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,770 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,816 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 21.7000% | 4,307 |
| Net loans and leases to deposits | 23.9059% | 4,326 |
| Net loans and leases to core deposits | 25.7125% | 4,307 |
| Total domestic deposits to total assets | 90.7500% | 589 |
| Equity capital to assets | 9.0561% | 2,775 |
| Core capital (leverage) ratio | 13.6305% | 877 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $86,927,400 | 3,891 |
| Average earning assets | $83,082,800 | 3,846 |
| Average equity | $7,893,600 | 3,981 |
| Average total loans | $18,057,800 | 4,239 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2054% | 4,160 |
| Cost of funding earning assets | 1.0498% | 3,993 |
| Net interest margin | 3.1557% | 2,776 |
| Noninterest income to average assets | 0.1900% | 3,746 |
| Noninterest expense to average assets | 1.6734% | 4,109 |
| Loan and lease loss provision to assets | 0.0600% | 1,841 |
| Net operating income to assets | 1.2312% | 1,454 |
| Return on assets (ROA) | 1.2312% | 1,459 |
| Pretax return on assets | 1.4799% | 1,346 |
| Return on Equity (ROE) | 13.5500% | 1,243 |
| Retained earnings to average equity (ytd only) | 10.7282% | 699 |
| Net charge-offs to loans | 0.3374% | 386 |
| Credit loss provision to net charge-offs | 64.4444% | 1,962 |
| Earnings coverage of net charge-offs (x) | 22.2444% | 1,686 |
| Efficiency ratio | 52.1282% | 3,857 |
| Assets per employee ($millions) | 7.9162% | 1,576 |
| Cash dividends to net income (ytd only)* | 20.8229% | 2,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8593% | 3,780 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,813 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,861 |
| Noncurrent loans to loans | 0.0000% | 3,830 |
| Net loans and leases to total assets | 21.8600% | 4,338 |
| Net loans and leases to deposits | 24.4518% | 4,354 |
| Net loans and leases to core deposits | 26.3270% | 4,339 |
| Total domestic deposits to total assets | 89.4000% | 776 |
| Equity capital to assets | 10.3160% | 2,094 |
| Core capital (leverage) ratio | 14.0252% | 806 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $86,848,000 | 3,913 |
| Average earning assets | $83,064,750 | 3,867 |
| Average equity | $7,891,750 | 3,993 |
| Average total loans | $17,781,500 | 4,268 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1980% | 4,135 |
| Cost of funding earning assets | 0.9767% | 4,050 |
| Net interest margin | 3.2213% | 2,597 |
| Noninterest income to average assets | 0.2000% | 3,684 |
| Noninterest expense to average assets | 1.6596% | 4,131 |
| Loan and lease loss provision to assets | 0.0900% | 1,288 |
| Net operating income to assets | 1.2747% | 1,309 |
| Return on assets (ROA) | 1.2747% | 1,314 |
| Pretax return on assets | 1.5374% | 1,215 |
| Return on Equity (ROE) | 14.6900% | 1,030 |
| Retained earnings to average equity (ytd only) | 14.6918% | 304 |
| Net charge-offs to loans | 0.5200% | 240 |
| Credit loss provision to net charge-offs | 82.2222% | 1,631 |
| Earnings coverage of net charge-offs (x) | 15.6444% | 1,766 |
| Efficiency ratio | 50.5618% | 3,979 |
| Assets per employee ($millions) | 7.6262% | 1,654 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9492% | 3,522 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,808 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,854 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 21.5200% | 4,352 |
| Net loans and leases to deposits | 23.7586% | 4,374 |
| Net loans and leases to core deposits | 25.3340% | 4,359 |
| Total domestic deposits to total assets | 90.5800% | 552 |
| Equity capital to assets | 9.2039% | 2,605 |
| Core capital (leverage) ratio | 13.7773% | 862 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 36.1289% | 179 |
| Memoranda: | ||
| Average total assets | $86,768,667 | 3,927 |
| Average earning assets | $83,134,000 | 3,880 |
| Average equity | $7,528,000 | 4,022 |
| Average total loans | $17,308,333 | 4,293 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1841% | 4,089 |
| Cost of funding earning assets | 0.9209% | 4,076 |
| Net interest margin | 3.2632% | 2,419 |
| Noninterest income to average assets | 0.1900% | 3,706 |
| Noninterest expense to average assets | 1.6325% | 4,155 |
| Loan and lease loss provision to assets | 0.1200% | 864 |
| Net operating income to assets | 1.2924% | 1,251 |
| Return on assets (ROA) | 1.2924% | 1,257 |
| Pretax return on assets | 1.5645% | 1,148 |
| Return on Equity (ROE) | 15.3400% | 936 |
| Retained earnings to average equity (ytd only) | 15.3401% | 408 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 49.1803% | 4,050 |
| Assets per employee ($millions) | 8.7900% | 1,105 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2127% | 2,222 |
| Loan loss allowance to noncurrent loans | 295.7143% | 1,933 |
| Noncurrent assets plus other real estate owned to assets | 0.0796% | 3,116 |
| Noncurrent loans to loans | 0.4101% | 1,904 |
| Net loans and leases to total assets | 19.1800% | 4,391 |
| Net loans and leases to deposits | 21.0590% | 4,402 |
| Net loans and leases to core deposits | 22.3739% | 4,429 |
| Total domestic deposits to total assets | 91.1000% | 504 |
| Equity capital to assets | 8.4596% | 3,047 |
| Core capital (leverage) ratio | 12.8547% | 1,088 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $88,209,000 | 3,931 |
| Average earning assets | $84,701,500 | 3,885 |
| Average equity | $7,431,500 | 4,050 |
| Average total loans | $16,849,500 | 4,320 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9611% | 4,020 |
| Cost of funding earning assets | 0.6549% | 3,989 |
| Net interest margin | 3.3062% | 2,620 |
| Noninterest income to average assets | 0.6700% | 1,291 |
| Noninterest expense to average assets | 1.6737% | 4,164 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.7702% | 639 |
| Return on assets (ROA) | 1.6432% | 775 |
| Pretax return on assets | 2.0085% | 660 |
| Return on Equity (ROE) | 24.3300% | 338 |
| Retained earnings to average equity (ytd only) | 21.6338% | 111 |
| Net charge-offs to loans | 0.0121% | 2,199 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 992.0000% | 156 |
| Efficiency ratio | 43.6203% | 4,261 |
| Assets per employee ($millions) | 7.3765% | 1,821 |
| Cash dividends to net income (ytd only)* | 11.0816% | 3,200 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0885% | 2,901 |
| Loan loss allowance to noncurrent loans | 258.5714% | 2,195 |
| Noncurrent assets plus other real estate owned to assets | 0.0791% | 3,014 |
| Noncurrent loans to loans | 0.4210% | 1,728 |
| Net loans and leases to total assets | 18.5800% | 4,414 |
| Net loans and leases to deposits | 20.3688% | 4,425 |
| Net loans and leases to core deposits | 21.6236% | 4,447 |
| Total domestic deposits to total assets | 91.2300% | 445 |
| Equity capital to assets | 8.3904% | 3,128 |
| Core capital (leverage) ratio | 12.6214% | 1,171 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $91,711,000 | 3,903 |
| Average earning assets | $87,804,800 | 3,851 |
| Average equity | $6,194,000 | 4,144 |
| Average total loans | $16,597,400 | 4,333 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9171% | 3,975 |
| Cost of funding earning assets | 0.5936% | 3,981 |
| Net interest margin | 3.3235% | 2,633 |
| Noninterest income to average assets | 0.2100% | 3,699 |
| Noninterest expense to average assets | 0.9945% | 4,521 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.9552% | 533 |
| Return on assets (ROA) | 1.7886% | 675 |
| Pretax return on assets | 2.1936% | 560 |
| Return on Equity (ROE) | 28.1100% | 270 |
| Retained earnings to average equity (ytd only) | 24.3293% | 144 |
| Net charge-offs to loans | 0.0161% | 1,822 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 831.5000% | 191 |
| Efficiency ratio | 29.3243% | 4,523 |
| Assets per employee ($millions) | 7.3960% | 1,699 |
| Cash dividends to net income (ytd only)* | 13.4569% | 2,694 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0967% | 2,879 |
| Loan loss allowance to noncurrent loans | 181.0000% | 2,622 |
| Noncurrent assets plus other real estate owned to assets | 0.1127% | 2,818 |
| Noncurrent loans to loans | 0.6059% | 1,331 |
| Net loans and leases to total assets | 18.3900% | 4,442 |
| Net loans and leases to deposits | 19.7223% | 4,453 |
| Net loans and leases to core deposits | 20.9068% | 4,439 |
| Total domestic deposits to total assets | 93.2500% | 268 |
| Equity capital to assets | 6.3863% | 3,866 |
| Core capital (leverage) ratio | 11.6520% | 1,600 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $92,509,250 | 3,905 |
| Average earning assets | $88,498,500 | 3,862 |
| Average equity | $5,885,750 | 4,181 |
| Average total loans | $16,589,500 | 4,355 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8253% | 3,987 |
| Cost of funding earning assets | 0.5143% | 3,952 |
| Net interest margin | 3.3109% | 2,722 |
| Noninterest income to average assets | 0.2100% | 3,710 |
| Noninterest expense to average assets | 0.6378% | 4,584 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 2.2260% | 341 |
| Return on assets (ROA) | 2.1949% | 347 |
| Pretax return on assets | 2.7047% | 284 |
| Return on Equity (ROE) | 34.5400% | 156 |
| Retained earnings to average equity (ytd only) | 34.5399% | 64 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 18.8644% | 4,580 |
| Assets per employee ($millions) | 8.1577% | 1,247 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0872% | 3,010 |
| Loan loss allowance to noncurrent loans | 183.0000% | 2,695 |
| Noncurrent assets plus other real estate owned to assets | 0.1114% | 2,763 |
| Noncurrent loans to loans | 0.5941% | 1,259 |
| Net loans and leases to total assets | 18.5500% | 4,468 |
| Net loans and leases to deposits | 20.0082% | 4,475 |
| Net loans and leases to core deposits | 21.2007% | 4,467 |
| Total domestic deposits to total assets | 92.7400% | 291 |
| Equity capital to assets | 6.9627% | 3,817 |
| Core capital (leverage) ratio | 11.3825% | 1,691 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $93,761,667 | 3,910 |
| Average earning assets | $89,824,000 | 3,869 |
| Average equity | $5,958,333 | 4,197 |
| Average total loans | $16,618,000 | 4,378 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6951% | 4,029 |
| Cost of funding earning assets | 0.3961% | 3,977 |
| Net interest margin | 3.2990% | 2,875 |
| Noninterest income to average assets | 1.9300% | 241 |
| Noninterest expense to average assets | 1.4826% | 4,398 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 2.9026% | 163 |
| Return on assets (ROA) | 2.8859% | 163 |
| Pretax return on assets | 3.5918% | 129 |
| Return on Equity (ROE) | 47.5400% | 86 |
| Retained earnings to average equity (ytd only) | 47.5445% | 45 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 29.0984% | 4,613 |
| Assets per employee ($millions) | 9.5593% | 790 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0830% | 3,140 |
| Loan loss allowance to noncurrent loans | 183.0000% | 2,753 |
| Noncurrent assets plus other real estate owned to assets | 0.1046% | 2,792 |
| Noncurrent loans to loans | 0.5918% | 1,261 |
| Net loans and leases to total assets | 17.4900% | 4,538 |
| Net loans and leases to deposits | 18.7685% | 4,547 |
| Net loans and leases to core deposits | 19.8073% | 4,537 |
| Total domestic deposits to total assets | 93.1600% | 283 |
| Equity capital to assets | 6.5706% | 4,010 |
| Core capital (leverage) ratio | 10.8416% | 1,964 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $95,775,000 | 3,943 |
| Average earning assets | $91,906,000 | 3,897 |
| Average equity | $5,813,500 | 4,263 |
| Average total loans | $16,510,500 | 4,438 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5599% | 4,479 |
| Cost of funding earning assets | 0.2037% | 3,728 |
| Net interest margin | 2.3562% | 4,386 |
| Noninterest income to average assets | 0.2100% | 3,885 |
| Noninterest expense to average assets | 1.4412% | 4,478 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.9159% | 2,892 |
| Return on assets (ROA) | 0.8400% | 3,119 |
| Pretax return on assets | 0.9568% | 3,202 |
| Return on Equity (ROE) | 12.7700% | 1,890 |
| Retained earnings to average equity (ytd only) | 10.1902% | 1,100 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 58.0131% | 3,340 |
| Assets per employee ($millions) | 8.7234% | 1,008 |
| Cash dividends to net income (ytd only)* | 20.1935% | 2,892 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1350% | 2,720 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 16.6100% | 4,569 |
| Net loans and leases to deposits | 17.6100% | 4,579 |
| Net loans and leases to core deposits | 18.5660% | 4,569 |
| Total domestic deposits to total assets | 94.3300% | 207 |
| Equity capital to assets | 5.5712% | 4,221 |
| Core capital (leverage) ratio | 9.6971% | 2,951 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $98,458,200 | 3,941 |
| Average earning assets | $95,238,200 | 3,882 |
| Average equity | $6,476,800 | 4,276 |
| Average total loans | $15,188,600 | 4,479 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2040% | 4,565 |
| Cost of funding earning assets | 0.1874% | 3,428 |
| Net interest margin | 2.0166% | 4,546 |
| Noninterest income to average assets | 0.2100% | 3,937 |
| Noninterest expense to average assets | 1.3618% | 4,539 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.7172% | 3,518 |
| Return on assets (ROA) | 0.7172% | 3,467 |
| Pretax return on assets | 0.8007% | 3,572 |
| Return on Equity (ROE) | 10.5100% | 2,567 |
| Retained earnings to average equity (ytd only) | 7.2193% | 2,293 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 62.9745% | 2,690 |
| Assets per employee ($millions) | 8.6053% | 1,023 |
| Cash dividends to net income (ytd only)* | 31.3321% | 1,971 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1493% | 2,797 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 16.6300% | 4,611 |
| Net loans and leases to deposits | 17.4654% | 4,623 |
| Net loans and leases to core deposits | 18.4253% | 4,610 |
| Total domestic deposits to total assets | 95.2100% | 197 |
| Equity capital to assets | 4.6684% | 4,360 |
| Core capital (leverage) ratio | 10.7013% | 1,953 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $99,083,500 | 3,965 |
| Average earning assets | $96,066,500 | 3,903 |
| Average equity | $6,759,500 | 4,285 |
| Average total loans | $14,955,000 | 4,516 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9139% | 4,642 |
| Cost of funding earning assets | 0.1840% | 3,128 |
| Net interest margin | 1.7299% | 4,648 |
| Noninterest income to average assets | 0.2009% | 3,992 |
| Noninterest expense to average assets | 1.3385% | 4,573 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.5131% | 3,860 |
| Return on assets (ROA) | 0.5131% | 3,816 |
| Pretax return on assets | 0.5450% | 3,932 |
| Return on Equity (ROE) | 6.8438% | 3,348 |
| Retained earnings to average equity (ytd only) | 6.8438% | 2,034 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0665% | 1,820 |
| Assets per employee ($millions) | 8.7520% | 972 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2854% | 2,256 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 14.5982% | 4,689 |
| Net loans and leases to deposits | 15.4170% | 4,695 |
| Net loans and leases to core deposits | 16.2532% | 4,689 |
| Total domestic deposits to total assets | 94.6890% | 181 |
| Equity capital to assets | 5.2331% | 4,430 |
| Core capital (leverage) ratio | 8.7793% | 3,682 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $100,558,667 | 3,984 |
| Average earning assets | $97,810,667 | 3,933 |
| Average equity | $7,539,667 | 4,252 |
| Average total loans | $14,632,333 | 4,585 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6995% | 4,684 |
| Cost of funding earning assets | 0.1795% | 3,091 |
| Net interest margin | 1.5199% | 4,694 |
| Noninterest income to average assets | 0.1986% | 3,973 |
| Noninterest expense to average assets | 1.3125% | 4,614 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.3622% | 4,036 |
| Return on assets (ROA) | 0.3622% | 3,999 |
| Pretax return on assets | 0.3700% | 4,085 |
| Return on Equity (ROE) | 4.2318% | 3,817 |
| Retained earnings to average equity (ytd only) | 4.2318% | 2,859 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.0093% | 1,312 |
| Assets per employee ($millions) | 9.2931% | 829 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2105% | 2,805 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 14.6101% | 4,714 |
| Net loans and leases to deposits | 15.8024% | 4,720 |
| Net loans and leases to core deposits | 16.5751% | 4,713 |
| Total domestic deposits to total assets | 92.4548% | 418 |
| Equity capital to assets | 7.4836% | 3,945 |
| Core capital (leverage) ratio | 9.1729% | 3,163 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $102,702,000 | 3,980 |
| Average earning assets | $100,266,500 | 3,933 |
| Average equity | $8,790,500 | 4,176 |
| Average total loans | $14,830,000 | 4,602 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7687% | 4,722 |
| Cost of funding earning assets | 0.1943% | 3,533 |
| Net interest margin | 1.5744% | 4,716 |
| Noninterest income to average assets | 0.2282% | 4,011 |
| Noninterest expense to average assets | 1.4039% | 4,622 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.3601% | 4,330 |
| Return on assets (ROA) | 0.4139% | 4,290 |
| Pretax return on assets | 0.4149% | 4,377 |
| Return on Equity (ROE) | 3.9716% | 4,222 |
| Retained earnings to average equity (ytd only) | 2.3460% | 3,871 |
| Net charge-offs to loans | -0.0137% | 3,842 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.5402% | 836 |
| Assets per employee ($millions) | 7.9369% | 1,360 |
| Cash dividends to net income (ytd only)* | 40.9314% | 1,989 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2584% | 2,578 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 13.9165% | 4,761 |
| Net loans and leases to deposits | 15.4161% | 4,769 |
| Net loans and leases to core deposits | 16.2254% | 4,760 |
| Total domestic deposits to total assets | 90.2723% | 828 |
| Equity capital to assets | 9.6249% | 3,024 |
| Core capital (leverage) ratio | 9.6514% | 2,711 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $98,585,400 | 4,007 |
| Average earning assets | $96,227,000 | 3,951 |
| Average equity | $10,273,000 | 4,095 |
| Average total loans | $14,618,000 | 4,658 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7667% | 4,805 |
| Cost of funding earning assets | 0.1979% | 3,622 |
| Net interest margin | 1.5689% | 4,796 |
| Noninterest income to average assets | 0.1929% | 4,238 |
| Noninterest expense to average assets | 1.3656% | 4,708 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.3571% | 4,439 |
| Return on assets (ROA) | 0.3558% | 4,470 |
| Pretax return on assets | 0.3558% | 4,543 |
| Return on Equity (ROE) | 3.3466% | 4,413 |
| Retained earnings to average equity (ytd only) | 1.1971% | 4,373 |
| Net charge-offs to loans | -0.0182% | 3,930 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.2693% | 791 |
| Assets per employee ($millions) | 7.8352% | 1,351 |
| Cash dividends to net income (ytd only)* | 64.2308% | 731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2811% | 2,582 |
| Loan loss allowance to noncurrent loans | 3,660.0000% | 288 |
| Noncurrent assets plus other real estate owned to assets | 0.0049% | 4,224 |
| Noncurrent loans to loans | 0.0350% | 3,957 |
| Net loans and leases to total assets | 13.8449% | 4,838 |
| Net loans and leases to deposits | 15.4434% | 4,844 |
| Net loans and leases to core deposits | 16.2698% | 4,837 |
| Total domestic deposits to total assets | 89.6492% | 940 |
| Equity capital to assets | 10.0239% | 2,878 |
| Core capital (leverage) ratio | 9.7181% | 2,797 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $97,436,750 | 4,060 |
| Average earning assets | $95,012,750 | 4,013 |
| Average equity | $10,358,500 | 4,149 |
| Average total loans | $14,637,000 | 4,727 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8024% | 4,833 |
| Cost of funding earning assets | 0.2031% | 3,718 |
| Net interest margin | 1.5993% | 4,830 |
| Noninterest income to average assets | 0.1876% | 4,264 |
| Noninterest expense to average assets | 1.3630% | 4,751 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.3835% | 4,419 |
| Return on assets (ROA) | 0.3814% | 4,462 |
| Pretax return on assets | 0.3814% | 4,521 |
| Return on Equity (ROE) | 3.5165% | 4,407 |
| Retained earnings to average equity (ytd only) | 3.5165% | 3,679 |
| Net charge-offs to loans | -0.0271% | 4,117 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.0430% | 906 |
| Assets per employee ($millions) | 7.5404% | 1,455 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3043% | 2,418 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 14.1270% | 4,873 |
| Net loans and leases to deposits | 15.8453% | 4,880 |
| Net loans and leases to core deposits | 16.6795% | 4,873 |
| Total domestic deposits to total assets | 89.1558% | 1,197 |
| Equity capital to assets | 10.5810% | 2,327 |
| Core capital (leverage) ratio | 10.0037% | 2,395 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $95,963,333 | 4,106 |
| Average earning assets | $93,542,333 | 4,054 |
| Average equity | $10,408,000 | 4,161 |
| Average total loans | $14,754,333 | 4,757 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8843% | 4,862 |
| Cost of funding earning assets | 0.2075% | 3,847 |
| Net interest margin | 1.6769% | 4,842 |
| Noninterest income to average assets | 0.1980% | 4,202 |
| Noninterest expense to average assets | 1.3736% | 4,765 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.4464% | 4,281 |
| Return on assets (ROA) | 0.4382% | 4,322 |
| Pretax return on assets | 0.4508% | 4,418 |
| Return on Equity (ROE) | 3.9900% | 4,285 |
| Retained earnings to average equity (ytd only) | 3.9900% | 3,504 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.9425% | 1,229 |
| Assets per employee ($millions) | 7.4075% | 1,511 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2173% | 2,836 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 15.2528% | 4,893 |
| Net loans and leases to deposits | 17.1069% | 4,896 |
| Net loans and leases to core deposits | 18.0221% | 4,894 |
| Total domestic deposits to total assets | 89.1617% | 1,261 |
| Equity capital to assets | 10.6296% | 2,147 |
| Core capital (leverage) ratio | 10.1663% | 2,366 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $94,932,500 | 4,129 |
| Average earning assets | $92,552,000 | 4,069 |
| Average equity | $10,426,000 | 4,169 |
| Average total loans | $15,116,000 | 4,783 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2855% | 4,882 |
| Cost of funding earning assets | 0.2565% | 4,353 |
| Net interest margin | 2.0290% | 4,817 |
| Noninterest income to average assets | 0.2045% | 4,249 |
| Noninterest expense to average assets | 1.4822% | 4,791 |
| Loan and lease loss provision to assets | 0.0141% | 4,197 |
| Net operating income to assets | 0.6149% | 3,692 |
| Return on assets (ROA) | 0.6773% | 3,628 |
| Pretax return on assets | 0.7541% | 3,753 |
| Return on Equity (ROE) | 6.2644% | 3,499 |
| Retained earnings to average equity (ytd only) | 4.5932% | 2,483 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9563% | 2,240 |
| Assets per employee ($millions) | 7.1975% | 1,447 |
| Cash dividends to net income (ytd only)* | 26.6773% | 2,989 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1782% | 3,064 |
| 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 | 16.2256% | 4,906 |
| Net loans and leases to deposits | 18.3788% | 4,915 |
| Net loans and leases to core deposits | 19.2775% | 4,910 |
| Total domestic deposits to total assets | 88.2845% | 1,333 |
| Equity capital to assets | 11.3458% | 1,991 |
| Core capital (leverage) ratio | 10.3553% | 2,268 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $92,431,800 | 4,093 |
| Average earning assets | $90,046,200 | 4,027 |
| Average equity | $9,993,000 | 4,194 |
| Average total loans | $13,578,200 | 4,834 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3053% | 4,936 |
| Cost of funding earning assets | 0.2659% | 4,447 |
| Net interest margin | 2.0394% | 4,873 |
| Noninterest income to average assets | 0.2040% | 4,250 |
| Noninterest expense to average assets | 1.4078% | 4,859 |
| Loan and lease loss provision to assets | 0.0184% | 4,099 |
| Net operating income to assets | 0.6816% | 3,513 |
| Return on assets (ROA) | 0.7061% | 3,541 |
| Pretax return on assets | 0.7915% | 3,669 |
| Return on Equity (ROE) | 6.6141% | 3,336 |
| Retained earnings to average equity (ytd only) | 4.3507% | 2,873 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2668% | 2,693 |
| Assets per employee ($millions) | 7.2187% | 1,365 |
| Cash dividends to net income (ytd only)* | 34.2213% | 2,173 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4234% | 1,639 |
| 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 | 13.3574% | 4,964 |
| Net loans and leases to deposits | 15.1214% | 4,968 |
| Net loans and leases to core deposits | 15.8532% | 4,963 |
| Total domestic deposits to total assets | 88.3348% | 1,043 |
| Equity capital to assets | 11.1676% | 2,268 |
| Core capital (leverage) ratio | 10.1959% | 2,525 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $92,147,750 | 4,093 |
| Average earning assets | $89,763,250 | 4,027 |
| Average equity | $9,837,250 | 4,224 |
| Average total loans | $13,132,000 | 4,870 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4702% | 4,969 |
| Cost of funding earning assets | 0.2760% | 4,551 |
| Net interest margin | 2.1943% | 4,884 |
| Noninterest income to average assets | 0.2075% | 4,242 |
| Noninterest expense to average assets | 1.4064% | 4,903 |
| Loan and lease loss provision to assets | 0.0284% | 3,898 |
| Net operating income to assets | 0.7938% | 3,062 |
| Return on assets (ROA) | 0.8299% | 3,057 |
| Pretax return on assets | 0.9500% | 3,177 |
| Return on Equity (ROE) | 7.8977% | 2,789 |
| Retained earnings to average equity (ytd only) | 7.8977% | 1,338 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0186% | 3,409 |
| Assets per employee ($millions) | 7.2170% | 1,319 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4099% | 1,553 |
| Loan loss allowance to noncurrent loans | 905.0000% | 613 |
| Noncurrent assets plus other real estate owned to assets | 0.0213% | 4,447 |
| Noncurrent loans to loans | 0.1558% | 3,832 |
| Net loans and leases to total assets | 13.4906% | 4,998 |
| Net loans and leases to deposits | 15.1575% | 5,002 |
| Net loans and leases to core deposits | 15.9627% | 4,997 |
| Total domestic deposits to total assets | 89.0025% | 742 |
| Equity capital to assets | 10.6980% | 2,575 |
| Core capital (leverage) ratio | 10.3804% | 2,456 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $91,582,667 | 4,103 |
| Average earning assets | $89,141,667 | 4,039 |
| Average equity | $9,623,000 | 4,262 |
| Average total loans | $13,270,667 | 4,900 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7339% | 5,012 |
| Cost of funding earning assets | 0.3043% | 4,649 |
| Net interest margin | 2.4296% | 4,859 |
| Noninterest income to average assets | 0.2255% | 4,200 |
| Noninterest expense to average assets | 1.4149% | 4,954 |
| Loan and lease loss provision to assets | 0.0442% | 3,226 |
| Net operating income to assets | 0.9637% | 2,304 |
| Return on assets (ROA) | 1.0126% | 2,238 |
| Pretax return on assets | 1.1894% | 2,232 |
| Return on Equity (ROE) | 9.7281% | 1,831 |
| Retained earnings to average equity (ytd only) | 9.7281% | 798 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.6075% | 4,349 |
| Assets per employee ($millions) | 6.8882% | 1,145 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3062% | 2,117 |
| Loan loss allowance to noncurrent loans | 57.7922% | 3,945 |
| Noncurrent assets plus other real estate owned to assets | 0.3440% | 3,065 |
| Noncurrent loans to loans | 2.2602% | 568 |
| Net loans and leases to total assets | 15.0191% | 5,035 |
| Net loans and leases to deposits | 16.8582% | 5,043 |
| Net loans and leases to core deposits | 17.7939% | 5,039 |
| Total domestic deposits to total assets | 89.0905% | 623 |
| Equity capital to assets | 10.6761% | 3,165 |
| Core capital (leverage) ratio | 10.4246% | 3,018 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $90,463,500 | 4,114 |
| Average earning assets | $88,079,500 | 4,051 |
| Average equity | $9,416,000 | 4,310 |
| Average total loans | $13,487,000 | 4,936 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9924% | 5,055 |
| Cost of funding earning assets | 0.2781% | 4,777 |
| Net interest margin | 2.7143% | 4,830 |
| Noninterest income to average assets | 0.2470% | 4,201 |
| Noninterest expense to average assets | 1.4723% | 5,013 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.1747% | 2,155 |
| Return on assets (ROA) | 1.1536% | 2,342 |
| Pretax return on assets | 1.3863% | 2,215 |
| Return on Equity (ROE) | 11.9243% | 1,542 |
| Retained earnings to average equity (ytd only) | 10.0205% | 482 |
| Net charge-offs to loans | 0.2113% | 968 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 47.4074% | 1,169 |
| Efficiency ratio | 51.0516% | 4,668 |
| Assets per employee ($millions) | 7.6151% | 824 |
| Cash dividends to net income (ytd only)* | 15.9656% | 3,603 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2587% | 2,123 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 14.4220% | 5,101 |
| Net loans and leases to deposits | 16.0835% | 5,110 |
| Net loans and leases to core deposits | 17.0379% | 5,106 |
| Total domestic deposits to total assets | 89.6696% | 441 |
| Equity capital to assets | 10.1465% | 3,792 |
| Core capital (leverage) ratio | 10.0911% | 3,421 |
| Tier 1 risk-based capital ratio | 34.1742% | 352 |
| Total risk-based capital ratio | 34.7993% | 365 |
| Memoranda: | ||
| Average total assets | $90,671,600 | 4,139 |
| Average earning assets | $88,089,200 | 4,063 |
| Average equity | $8,772,000 | 4,409 |
| Average total loans | $12,780,200 | 5,013 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0212% | 5,148 |
| Cost of funding earning assets | 0.2701% | 4,873 |
| Net interest margin | 2.7511% | 4,890 |
| Noninterest income to average assets | 0.2519% | 4,230 |
| Noninterest expense to average assets | 1.4277% | 5,100 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.2377% | 2,069 |
| Return on assets (ROA) | 1.2524% | 2,091 |
| Pretax return on assets | 1.5131% | 1,919 |
| Return on Equity (ROE) | 13.1064% | 1,240 |
| Retained earnings to average equity (ytd only) | 10.5313% | 619 |
| Net charge-offs to loans | 0.2110% | 840 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 50.7424% | 1,176 |
| Efficiency ratio | 48.8407% | 4,804 |
| Assets per employee ($millions) | 7.4251% | 864 |
| Cash dividends to net income (ytd only)* | 19.6469% | 3,051 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3694% | 1,690 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 14.1457% | 5,187 |
| Net loans and leases to deposits | 15.7854% | 5,190 |
| Net loans and leases to core deposits | 16.7444% | 5,184 |
| Total domestic deposits to total assets | 89.6129% | 412 |
| Equity capital to assets | 10.2019% | 3,825 |
| Core capital (leverage) ratio | 9.8050% | 3,848 |
| Tier 1 risk-based capital ratio | 34.1866% | 368 |
| Total risk-based capital ratio | 34.8643% | 377 |
| Memoranda: | ||
| Average total assets | $90,494,250 | 4,192 |
| Average earning assets | $87,864,500 | 4,120 |
| Average equity | $8,647,000 | 4,474 |
| Average total loans | $12,638,500 | 5,098 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9997% | 5,206 |
| Cost of funding earning assets | 0.2539% | 4,948 |
| Net interest margin | 2.7458% | 4,969 |
| Noninterest income to average assets | 0.2551% | 4,229 |
| Noninterest expense to average assets | 1.4204% | 5,150 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.2423% | 1,995 |
| Return on assets (ROA) | 1.2423% | 2,048 |
| Pretax return on assets | 1.4974% | 1,869 |
| Return on Equity (ROE) | 13.2952% | 1,160 |
| Retained earnings to average equity (ytd only) | 13.2952% | 274 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.6812% | 4,859 |
| Assets per employee ($millions) | 7.4866% | 820 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4010% | 1,607 |
| Loan loss allowance to noncurrent loans | 1,950.0000% | 346 |
| Noncurrent assets plus other real estate owned to assets | 0.0111% | 4,747 |
| Noncurrent loans to loans | 0.0718% | 4,360 |
| Net loans and leases to total assets | 15.2762% | 5,231 |
| Net loans and leases to deposits | 17.0338% | 5,235 |
| Net loans and leases to core deposits | 18.0581% | 5,228 |
| Total domestic deposits to total assets | 89.6815% | 420 |
| Equity capital to assets | 10.0914% | 3,895 |
| Core capital (leverage) ratio | 10.0034% | 3,580 |
| Tier 1 risk-based capital ratio | 33.6431% | 375 |
| Total risk-based capital ratio | 34.3826% | 380 |
| Memoranda: | ||
| Average total assets | $90,958,670 | 4,202 |
| Average earning assets | $88,207,670 | 4,144 |
| Average equity | $8,499,330 | 4,519 |
| Average total loans | $12,591,670 | 5,144 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9506% | 5,284 |
| Cost of funding earning assets | 0.2350% | 5,027 |
| Net interest margin | 2.7156% | 5,049 |
| Noninterest income to average assets | 0.2666% | 4,095 |
| Noninterest expense to average assets | 1.4598% | 5,193 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.1888% | 2,101 |
| Return on assets (ROA) | 1.1888% | 2,146 |
| Pretax return on assets | 1.4336% | 1,976 |
| Return on Equity (ROE) | 13.2425% | 1,147 |
| Retained earnings to average equity (ytd only) | 13.2425% | 434 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.4532% | 4,794 |
| Assets per employee ($millions) | 7.6049% | 777 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6303% | 1,008 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 12.8930% | 5,301 |
| Net loans and leases to deposits | 14.2266% | 5,304 |
| Net loans and leases to core deposits | 14.9973% | 5,301 |
| Total domestic deposits to total assets | 90.6256% | 246 |
| Equity capital to assets | 9.2550% | 4,474 |
| Core capital (leverage) ratio | 9.4310% | 4,228 |
| Tier 1 risk-based capital ratio | 33.7855% | 359 |
| Total risk-based capital ratio | 34.5567% | 365 |
| Memoranda: | ||
| Average total assets | $91,518,500 | 4,238 |
| Average earning assets | $88,524,500 | 4,174 |
| Average equity | $8,216,000 | 4,590 |
| Average total loans | $11,928,000 | 5,212 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7087% | 5,313 |
| Cost of funding earning assets | 0.1731% | 5,100 |
| Net interest margin | 2.5356% | 5,197 |
| Noninterest income to average assets | 0.2770% | 4,251 |
| Noninterest expense to average assets | 1.4760% | 5,238 |
| Loan and lease loss provision to assets | 0.0088% | 3,950 |
| Net operating income to assets | 1.0073% | 2,973 |
| Return on assets (ROA) | 0.8880% | 3,468 |
| Pretax return on assets | 1.0914% | 3,307 |
| Return on Equity (ROE) | 10.6563% | 2,222 |
| Retained earnings to average equity (ytd only) | 8.4538% | 1,064 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.1969% | 4,600 |
| Assets per employee ($millions) | 7.6482% | 753 |
| Cash dividends to net income (ytd only)* | 20.6683% | 3,451 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6393% | 945 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 12.7482% | 5,342 |
| Net loans and leases to deposits | 13.9904% | 5,348 |
| Net loans and leases to core deposits | 14.4838% | 5,343 |
| Total domestic deposits to total assets | 91.1210% | 176 |
| Equity capital to assets | 8.7014% | 4,800 |
| Core capital (leverage) ratio | 8.9172% | 4,730 |
| Tier 1 risk-based capital ratio | 32.4659% | 384 |
| Total risk-based capital ratio | 33.2348% | 393 |
| Memoranda: | ||
| Average total assets | $90,987,400 | 4,254 |
| Average earning assets | $87,790,600 | 4,188 |
| Average equity | $7,582,400 | 4,665 |
| Average total loans | $13,095,800 | 5,230 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5960% | 5,398 |
| Cost of funding earning assets | 0.1614% | 5,184 |
| Net interest margin | 2.4346% | 5,305 |
| Noninterest income to average assets | 0.2790% | 4,280 |
| Noninterest expense to average assets | 1.4333% | 5,310 |
| Loan and lease loss provision to assets | 0.0118% | 3,763 |
| Net operating income to assets | 0.9539% | 3,292 |
| Return on assets (ROA) | 0.9384% | 3,360 |
| Pretax return on assets | 1.1631% | 3,147 |
| Return on Equity (ROE) | 11.3878% | 2,021 |
| Retained earnings to average equity (ytd only) | 8.4117% | 1,462 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.5556% | 4,555 |
| Assets per employee ($millions) | 7.7531% | 702 |
| Cash dividends to net income (ytd only)* | 26.1344% | 2,740 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6188% | 1,029 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 12.7379% | 5,416 |
| Net loans and leases to deposits | 13.9324% | 5,421 |
| Net loans and leases to core deposits | 14.5733% | 5,417 |
| Total domestic deposits to total assets | 91.4271% | 146 |
| Equity capital to assets | 8.1537% | 5,110 |
| Core capital (leverage) ratio | 8.8321% | 4,864 |
| Tier 1 risk-based capital ratio | 31.1031% | 426 |
| Total risk-based capital ratio | 31.8621% | 444 |
| Memoranda: | ||
| Average total assets | $90,789,750 | 4,301 |
| Average earning assets | $87,570,000 | 4,235 |
| Average equity | $7,481,500 | 4,728 |
| Average total loans | $13,396,000 | 5,290 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5086% | 5,472 |
| Cost of funding earning assets | 0.1568% | 5,217 |
| Net interest margin | 2.3518% | 5,400 |
| Noninterest income to average assets | 0.2865% | 4,263 |
| Noninterest expense to average assets | 1.4016% | 5,393 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.9363% | 3,299 |
| Return on assets (ROA) | 0.9129% | 3,410 |
| Pretax return on assets | 1.1217% | 3,226 |
| Return on Equity (ROE) | 11.0385% | 2,094 |
| Retained earnings to average equity (ytd only) | 11.0385% | 662 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.9173% | 4,588 |
| Assets per employee ($millions) | 7.4393% | 780 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2651% | 2,348 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 16.3478% | 5,464 |
| Net loans and leases to deposits | 17.9418% | 5,473 |
| Net loans and leases to core deposits | 18.8060% | 5,470 |
| Total domestic deposits to total assets | 91.1159% | 223 |
| Equity capital to assets | 8.4920% | 4,948 |
| Core capital (leverage) ratio | 8.9097% | 4,768 |
| Tier 1 risk-based capital ratio | 29.6477% | 489 |
| Total risk-based capital ratio | 30.3455% | 506 |
| Memoranda: | ||
| Average total assets | $90,040,670 | 4,349 |
| Average earning assets | $86,743,000 | 4,281 |
| Average equity | $7,446,670 | 4,782 |
| Average total loans | $13,846,000 | 5,344 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3902% | 5,548 |
| Cost of funding earning assets | 0.1517% | 5,259 |
| Net interest margin | 2.2385% | 5,490 |
| Noninterest income to average assets | 0.2743% | 4,336 |
| Noninterest expense to average assets | 1.3934% | 5,454 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.8449% | 3,525 |
| Return on assets (ROA) | 0.8449% | 3,542 |
| Pretax return on assets | 1.0351% | 3,411 |
| Return on Equity (ROE) | 10.3530% | 2,249 |
| Retained earnings to average equity (ytd only) | 10.3530% | 1,052 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.3770% | 4,424 |
| Assets per employee ($millions) | 7.6303% | 730 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4344% | 1,712 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 14.0339% | 5,536 |
| Net loans and leases to deposits | 15.3140% | 5,543 |
| Net loans and leases to core deposits | 16.0280% | 5,539 |
| Total domestic deposits to total assets | 91.6408% | 162 |
| Equity capital to assets | 8.0829% | 5,237 |
| Core capital (leverage) ratio | 8.7656% | 4,934 |
| Tier 1 risk-based capital ratio | 29.4229% | 493 |
| Total risk-based capital ratio | 30.1306% | 517 |
| Memoranda: | ||
| Average total assets | $90,425,000 | 4,389 |
| Average earning assets | $87,022,000 | 4,322 |
| Average equity | $7,379,500 | 4,838 |
| Average total loans | $13,378,500 | 5,414 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2383% | 5,595 |
| Cost of funding earning assets | 0.1443% | 5,294 |
| Net interest margin | 2.0940% | 5,558 |
| Noninterest income to average assets | 0.2934% | 4,360 |
| Noninterest expense to average assets | 1.5292% | 5,457 |
| Loan and lease loss provision to assets | 0.0044% | 4,160 |
| Net operating income to assets | 0.5690% | 4,149 |
| Return on assets (ROA) | 0.5690% | 4,184 |
| Pretax return on assets | 0.7757% | 4,316 |
| Return on Equity (ROE) | 7.0347% | 3,259 |
| Retained earnings to average equity (ytd only) | 4.7402% | 2,296 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2175% | 3,231 |
| Assets per employee ($millions) | 7.4405% | 789 |
| Cash dividends to net income (ytd only)* | 32.6172% | 3,188 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3630% | 1,920 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 15.1569% | 5,602 |
| Net loans and leases to deposits | 16.5661% | 5,613 |
| Net loans and leases to core deposits | 17.3600% | 5,607 |
| Total domestic deposits to total assets | 91.4936% | 141 |
| Equity capital to assets | 8.2409% | 5,281 |
| Core capital (leverage) ratio | 8.5060% | 5,132 |
| Tier 1 risk-based capital ratio | 28.9068% | 501 |
| Total risk-based capital ratio | 29.6127% | 520 |
| Memoranda: | ||
| Average total assets | $89,982,400 | 4,425 |
| Average earning assets | $86,629,000 | 4,352 |
| Average equity | $7,278,200 | 4,897 |
| Average total loans | $14,107,400 | 5,462 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1696% | 5,665 |
| Cost of funding earning assets | 0.1428% | 5,356 |
| Net interest margin | 2.0268% | 5,638 |
| Noninterest income to average assets | 0.2943% | 4,427 |
| Noninterest expense to average assets | 1.4271% | 5,569 |
| Loan and lease loss provision to assets | 0.0059% | 4,005 |
| Net operating income to assets | 0.5960% | 4,407 |
| Return on assets (ROA) | 0.5960% | 4,446 |
| Pretax return on assets | 0.8134% | 4,314 |
| Return on Equity (ROE) | 7.4029% | 3,443 |
| Retained earnings to average equity (ytd only) | 4.3352% | 3,327 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5286% | 3,641 |
| Assets per employee ($millions) | 7.5255% | 758 |
| Cash dividends to net income (ytd only)* | 41.4390% | 2,208 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4017% | 1,882 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 14.5660% | 5,673 |
| Net loans and leases to deposits | 15.9246% | 5,678 |
| Net loans and leases to core deposits | 16.5077% | 5,676 |
| Total domestic deposits to total assets | 91.4690% | 105 |
| Equity capital to assets | 8.1866% | 5,444 |
| Core capital (leverage) ratio | 8.2191% | 5,409 |
| Tier 1 risk-based capital ratio | 27.2164% | 611 |
| Total risk-based capital ratio | 27.8976% | 625 |
| Memoranda: | ||
| Average total assets | $90,156,500 | 4,466 |
| Average earning assets | $86,832,750 | 4,394 |
| Average equity | $7,258,250 | 4,952 |
| Average total loans | $14,204,250 | 5,521 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1084% | 5,721 |
| Cost of funding earning assets | 0.1453% | 5,365 |
| Net interest margin | 1.9631% | 5,700 |
| Noninterest income to average assets | 0.2996% | 4,392 |
| Noninterest expense to average assets | 1.4050% | 5,624 |
| Loan and lease loss provision to assets | 0.0089% | 3,751 |
| Net operating income to assets | 0.5704% | 4,429 |
| Return on assets (ROA) | 0.5704% | 4,484 |
| Pretax return on assets | 0.7746% | 4,356 |
| Return on Equity (ROE) | 7.1257% | 3,482 |
| Retained earnings to average equity (ytd only) | 2.4954% | 4,196 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1988% | 3,638 |
| Assets per employee ($millions) | 7.5523% | 722 |
| Cash dividends to net income (ytd only)* | 64.9805% | 1,312 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2978% | 2,424 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 15.6927% | 5,712 |
| Net loans and leases to deposits | 17.1535% | 5,720 |
| Net loans and leases to core deposits | 17.7793% | 5,720 |
| Total domestic deposits to total assets | 91.4839% | 134 |
| Equity capital to assets | 8.0108% | 5,534 |
| Core capital (leverage) ratio | 8.1345% | 5,470 |
| Tier 1 risk-based capital ratio | 25.8103% | 686 |
| Total risk-based capital ratio | 26.4684% | 716 |
| Memoranda: | ||
| Average total assets | $90,106,670 | 4,495 |
| Average earning assets | $86,701,670 | 4,424 |
| Average equity | $7,213,330 | 4,978 |
| Average total loans | $14,492,000 | 5,559 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9844% | 5,799 |
| Cost of funding earning assets | 0.1434% | 5,417 |
| Net interest margin | 1.8410% | 5,782 |
| Noninterest income to average assets | 0.2938% | 4,455 |
| Noninterest expense to average assets | 1.4202% | 5,682 |
| Loan and lease loss provision to assets | 0.0178% | 3,341 |
| Net operating income to assets | 0.4764% | 4,685 |
| Return on assets (ROA) | 0.4764% | 4,708 |
| Pretax return on assets | 0.6277% | 4,669 |
| Return on Equity (ROE) | 5.9527% | 3,938 |
| Retained earnings to average equity (ytd only) | 5.9527% | 2,369 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7500% | 3,089 |
| Assets per employee ($millions) | 7.4622% | 770 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2647% | 2,724 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 16.3034% | 5,775 |
| Net loans and leases to deposits | 17.7915% | 5,783 |
| Net loans and leases to core deposits | 18.4457% | 5,779 |
| Total domestic deposits to total assets | 91.6356% | 158 |
| Equity capital to assets | 8.1031% | 5,468 |
| Core capital (leverage) ratio | 8.1977% | 5,451 |
| Tier 1 risk-based capital ratio | 25.9410% | 694 |
| Total risk-based capital ratio | 26.6019% | 724 |
| Memoranda: | ||
| Average total assets | $89,846,000 | 4,544 |
| Average earning assets | $86,473,000 | 4,470 |
| Average equity | $7,190,000 | 5,030 |
| Average total loans | $14,533,500 | 5,620 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7341% | 5,859 |
| Cost of funding earning assets | 0.1450% | 5,452 |
| Net interest margin | 1.5891% | 5,847 |
| Noninterest income to average assets | 0.3092% | 4,525 |
| Noninterest expense to average assets | 1.4107% | 5,767 |
| Loan and lease loss provision to assets | 0.0022% | 4,307 |
| Net operating income to assets | 0.3405% | 5,107 |
| Return on assets (ROA) | 0.3405% | 5,188 |
| Pretax return on assets | 0.4248% | 5,172 |
| Return on Equity (ROE) | 4.4264% | 4,696 |
| Retained earnings to average equity (ytd only) | 2.5434% | 4,069 |
| Net charge-offs to loans | 0.0148% | 3,798 |
| Credit loss provision to net charge-offs | 100.0000% | 2,563 |
| Earnings coverage of net charge-offs (x) | 197.5000% | 347 |
| Efficiency ratio | 76.7647% | 1,886 |
| Assets per employee ($millions) | 7.5122% | 727 |
| Cash dividends to net income (ytd only)* | 42.5397% | 2,744 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2814% | 2,648 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 15.6391% | 5,839 |
| Net loans and leases to deposits | 17.0233% | 5,845 |
| Net loans and leases to core deposits | 17.6428% | 5,844 |
| Total domestic deposits to total assets | 91.8687% | 119 |
| Equity capital to assets | 7.9027% | 5,603 |
| Core capital (leverage) ratio | 7.8956% | 5,662 |
| Tier 1 risk-based capital ratio | 25.6056% | 718 |
| Total risk-based capital ratio | 26.2546% | 757 |
| Memoranda: | ||
| Average total assets | $92,510,200 | 4,500 |
| Average earning assets | $88,979,600 | 4,410 |
| Average equity | $7,116,400 | 5,071 |
| Average total loans | $13,507,800 | 5,695 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7129% | 5,930 |
| Cost of funding earning assets | 0.1444% | 5,513 |
| Net interest margin | 1.5686% | 5,917 |
| Noninterest income to average assets | 0.3022% | 4,607 |
| Noninterest expense to average assets | 1.3576% | 5,836 |
| Loan and lease loss provision to assets | 0.0029% | 4,160 |
| Net operating income to assets | 0.3709% | 5,109 |
| Return on assets (ROA) | 0.3709% | 5,197 |
| Pretax return on assets | 0.4511% | 5,230 |
| Return on Equity (ROE) | 4.8537% | 4,578 |
| Retained earnings to average equity (ytd only) | 2.3425% | 4,515 |
| Net charge-offs to loans | 0.0201% | 3,298 |
| Credit loss provision to net charge-offs | 100.0000% | 2,352 |
| Earnings coverage of net charge-offs (x) | 158.2996% | 442 |
| Efficiency ratio | 74.9407% | 2,118 |
| Assets per employee ($millions) | 7.7138% | 665 |
| Cash dividends to net income (ytd only)* | 51.7375% | 1,795 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2895% | 2,746 |
| 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 | 15.1342% | 5,911 |
| Net loans and leases to deposits | 16.4448% | 5,919 |
| Net loans and leases to core deposits | 17.0275% | 5,917 |
| Total domestic deposits to total assets | 92.0305% | 74 |
| Equity capital to assets | 7.7470% | 5,801 |
| Core capital (leverage) ratio | 7.9027% | 5,721 |
| Tier 1 risk-based capital ratio | 25.7212% | 737 |
| Total risk-based capital ratio | 26.3689% | 786 |
| Memoranda: | ||
| Average total assets | $93,101,250 | 4,527 |
| Average earning assets | $89,591,500 | 4,434 |
| Average equity | $7,114,500 | 5,120 |
| Average total loans | $13,314,500 | 5,765 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7050% | 6,011 |
| Cost of funding earning assets | 0.1425% | 5,596 |
| Net interest margin | 1.5626% | 5,997 |
| Noninterest income to average assets | 0.2744% | 4,823 |
| Noninterest expense to average assets | 1.3508% | 5,919 |
| Loan and lease loss provision to assets | 0.0043% | 3,962 |
| Net operating income to assets | 0.3473% | 5,188 |
| Return on assets (ROA) | 0.3473% | 5,269 |
| Pretax return on assets | 0.4245% | 5,295 |
| Return on Equity (ROE) | 4.5662% | 4,691 |
| Retained earnings to average equity (ytd only) | 4.5662% | 3,006 |
| Net charge-offs to loans | 0.0307% | 2,856 |
| Credit loss provision to net charge-offs | 100.0000% | 2,087 |
| Earnings coverage of net charge-offs (x) | 100.0000% | 581 |
| Efficiency ratio | 75.9036% | 2,094 |
| Assets per employee ($millions) | 7.6363% | 661 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3439% | 2,556 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 14.6602% | 5,990 |
| Net loans and leases to deposits | 15.9463% | 5,996 |
| Net loans and leases to core deposits | 16.5224% | 5,994 |
| Total domestic deposits to total assets | 91.9344% | 94 |
| Equity capital to assets | 7.8757% | 5,839 |
| Core capital (leverage) ratio | 7.8689% | 5,796 |
| Tier 1 risk-based capital ratio | 28.1078% | 584 |
| Total risk-based capital ratio | 28.8157% | 605 |
| Memoranda: | ||
| Average total assets | $93,280,000 | 4,551 |
| Average earning assets | $89,851,670 | 4,463 |
| Average equity | $7,095,670 | 5,175 |
| Average total loans | $13,022,000 | 5,840 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6862% | 6,075 |
| Cost of funding earning assets | 0.1412% | 5,664 |
| Net interest margin | 1.5449% | 6,064 |
| Noninterest income to average assets | 0.2720% | 4,786 |
| Noninterest expense to average assets | 1.3220% | 5,991 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.3528% | 5,138 |
| Return on assets (ROA) | 0.3528% | 5,224 |
| Pretax return on assets | 0.4378% | 5,231 |
| Return on Equity (ROE) | 4.7193% | 4,617 |
| Retained earnings to average equity (ytd only) | 4.7193% | 3,107 |
| Net charge-offs to loans | 0.0629% | 1,864 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 51.5000% | 872 |
| Efficiency ratio | 75.1208% | 2,307 |
| Assets per employee ($millions) | 7.7818% | 613 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3666% | 2,576 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 13.9900% | 6,051 |
| Net loans and leases to deposits | 15.1679% | 6,056 |
| Net loans and leases to core deposits | 15.7040% | 6,055 |
| Total domestic deposits to total assets | 92.2340% | 89 |
| Equity capital to assets | 7.6022% | 5,927 |
| Core capital (leverage) ratio | 7.6812% | 5,879 |
| Tier 1 risk-based capital ratio | 28.1578% | 600 |
| Total risk-based capital ratio | 28.8698% | 623 |
| Memoranda: | ||
| Average total assets | $94,102,000 | 4,573 |
| Average earning assets | $90,620,000 | 4,487 |
| Average equity | $7,035,000 | 5,226 |
| Average total loans | $12,724,500 | 5,906 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4530% | 6,127 |
| Cost of funding earning assets | 0.1342% | 5,789 |
| Net interest margin | 1.3188% | 6,125 |
| Noninterest income to average assets | 0.2607% | 5,031 |
| Noninterest expense to average assets | 1.3177% | 6,070 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.1630% | 5,655 |
| Return on assets (ROA) | 0.2176% | 5,602 |
| Pretax return on assets | 0.2853% | 5,549 |
| Return on Equity (ROE) | 3.0231% | 5,297 |
| Retained earnings to average equity (ytd only) | 1.1123% | 5,071 |
| Net charge-offs to loans | 0.0077% | 4,172 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 208.0000% | 328 |
| Efficiency ratio | 86.0590% | 986 |
| Assets per employee ($millions) | 7.9019% | 580 |
| Cash dividends to net income (ytd only)* | 63.2075% | 1,577 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4995% | 2,012 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 12.6773% | 6,118 |
| Net loans and leases to deposits | 13.7032% | 6,126 |
| Net loans and leases to core deposits | 14.1780% | 6,119 |
| Total domestic deposits to total assets | 92.5134% | 70 |
| Equity capital to assets | 7.3516% | 6,002 |
| Core capital (leverage) ratio | 7.4959% | 5,980 |
| Tier 1 risk-based capital ratio | 27.0385% | 662 |
| Total risk-based capital ratio | 27.7401% | 682 |
| Memoranda: | ||
| Average total assets | $97,443,000 | 4,510 |
| Average earning assets | $93,876,600 | 4,434 |
| Average equity | $7,012,600 | 5,240 |
| Average total loans | $13,038,800 | 5,952 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4536% | 6,223 |
| Cost of funding earning assets | 0.1325% | 5,898 |
| Net interest margin | 1.3211% | 6,219 |
| Noninterest income to average assets | 0.2514% | 5,140 |
| Noninterest expense to average assets | 1.2518% | 6,161 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.2063% | 5,666 |
| Return on assets (ROA) | 0.2542% | 5,647 |
| Pretax return on assets | 0.3371% | 5,581 |
| Return on Equity (ROE) | 3.5502% | 5,202 |
| Retained earnings to average equity (ytd only) | 1.0061% | 5,314 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.0856% | 1,383 |
| Assets per employee ($millions) | 7.7605% | 602 |
| Cash dividends to net income (ytd only)* | 71.6560% | 967 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4454% | 2,387 |
| Loan loss allowance to noncurrent loans | 18,400.0000% | 61 |
| Noncurrent assets plus other real estate owned to assets | 0.0011% | 5,830 |
| Noncurrent loans to loans | 0.0079% | 5,617 |
| Net loans and leases to total assets | 13.4721% | 6,203 |
| Net loans and leases to deposits | 14.5906% | 6,210 |
| Net loans and leases to core deposits | 15.1066% | 6,201 |
| Total domestic deposits to total assets | 92.3340% | 76 |
| Equity capital to assets | 7.4974% | 6,074 |
| Core capital (leverage) ratio | 7.4301% | 6,070 |
| Tier 1 risk-based capital ratio | 26.4790% | 731 |
| Total risk-based capital ratio | 27.1790% | 758 |
| Memoranda: | ||
| Average total assets | $98,098,000 | 4,548 |
| Average earning assets | $94,566,750 | 4,471 |
| Average equity | $7,023,000 | 5,308 |
| Average total loans | $13,247,500 | 6,023 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4332% | 6,301 |
| Cost of funding earning assets | 0.1267% | 6,005 |
| Net interest margin | 1.3065% | 6,294 |
| Noninterest income to average assets | 0.2406% | 5,234 |
| Noninterest expense to average assets | 1.2330% | 6,242 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.1911% | 5,718 |
| Return on assets (ROA) | 0.2466% | 5,664 |
| Pretax return on assets | 0.3468% | 5,581 |
| Return on Equity (ROE) | 3.4960% | 5,229 |
| Retained earnings to average equity (ytd only) | 3.4960% | 3,815 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.1095% | 1,475 |
| Assets per employee ($millions) | 7.8482% | 564 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2975% | 3,254 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 14.8623% | 6,265 |
| Net loans and leases to deposits | 16.0778% | 6,281 |
| Net loans and leases to core deposits | 16.5469% | 6,272 |
| Total domestic deposits to total assets | 92.4398% | 90 |
| Equity capital to assets | 7.4561% | 6,123 |
| Core capital (leverage) ratio | 7.0838% | 6,173 |
| Tier 1 risk-based capital ratio | 21.4920% | 1,285 |
| Total risk-based capital ratio | 22.0651% | 1,377 |
| Memoranda: | ||
| Average total assets | $99,755,330 | 4,558 |
| Average earning assets | $96,288,000 | 4,458 |
| Average equity | $7,036,670 | 5,349 |
| Average total loans | $13,420,000 | 6,083 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4274% | 6,370 |
| Cost of funding earning assets | 0.1210% | 6,108 |
| Net interest margin | 1.3065% | 6,365 |
| Noninterest income to average assets | 0.2262% | 5,336 |
| Noninterest expense to average assets | 1.2170% | 6,319 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.1868% | 5,709 |
| Return on assets (ROA) | 0.2379% | 5,684 |
| Pretax return on assets | 0.3472% | 5,547 |
| Return on Equity (ROE) | 3.4639% | 5,195 |
| Retained earnings to average equity (ytd only) | 3.4639% | 3,918 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.6754% | 1,660 |
| Assets per employee ($millions) | 8.5658% | 424 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4577% | 2,632 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 12.1015% | 6,355 |
| Net loans and leases to deposits | 13.0061% | 6,363 |
| Net loans and leases to core deposits | 13.3879% | 6,352 |
| Total domestic deposits to total assets | 93.0450% | 57 |
| Equity capital to assets | 6.8529% | 6,273 |
| Core capital (leverage) ratio | 7.0420% | 6,234 |
| Tier 1 risk-based capital ratio | 23.5081% | 1,047 |
| Total risk-based capital ratio | 24.1147% | 1,110 |
| Memoranda: | ||
| Average total assets | $102,544,000 | 4,543 |
| Average earning assets | $99,198,500 | 4,422 |
| Average equity | $7,044,000 | 5,397 |
| Average total loans | $13,039,500 | 6,153 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4817% | 6,451 |
| Cost of funding earning assets | 0.1305% | 6,194 |
| Net interest margin | 1.3513% | 6,443 |
| Noninterest income to average assets | 0.2652% | 5,234 |
| Noninterest expense to average assets | 1.4256% | 6,340 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.1109% | 5,938 |
| Return on assets (ROA) | 0.2117% | 5,804 |
| Pretax return on assets | 0.2736% | 5,749 |
| Return on Equity (ROE) | 2.8849% | 5,518 |
| Retained earnings to average equity (ytd only) | 0.9854% | 5,333 |
| Net charge-offs to loans | -0.0084% | 5,530 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.9091% | 790 |
| Assets per employee ($millions) | 8.5249% | 429 |
| Cash dividends to net income (ytd only)* | 65.8416% | 1,474 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3674% | 3,102 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 12.9737% | 6,434 |
| Net loans and leases to deposits | 13.9431% | 6,448 |
| Net loans and leases to core deposits | 14.2770% | 6,435 |
| Total domestic deposits to total assets | 93.0478% | 66 |
| Equity capital to assets | 6.8857% | 6,342 |
| Core capital (leverage) ratio | 6.8808% | 6,330 |
| Tier 1 risk-based capital ratio | 22.5195% | 1,147 |
| Total risk-based capital ratio | 23.1069% | 1,221 |
| Memoranda: | ||
| Average total assets | $95,396,000 | 4,705 |
| Average earning assets | $91,988,200 | 4,608 |
| Average equity | $7,002,000 | 5,408 |
| Average total loans | $11,874,800 | 6,256 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4829% | 6,538 |
| Cost of funding earning assets | 0.1331% | 6,277 |
| Net interest margin | 1.3498% | 6,530 |
| Noninterest income to average assets | 0.2690% | 5,279 |
| Noninterest expense to average assets | 1.3608% | 6,430 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.1670% | 5,911 |
| Return on assets (ROA) | 0.2662% | 5,756 |
| Pretax return on assets | 0.3302% | 5,716 |
| Return on Equity (ROE) | 3.5662% | 5,345 |
| Retained earnings to average equity (ytd only) | 1.0298% | 5,473 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.7514% | 1,112 |
| Assets per employee ($millions) | 8.1018% | 499 |
| Cash dividends to net income (ytd only)* | 71.1226% | 988 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4256% | 3,053 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 13.0867% | 6,514 |
| Net loans and leases to deposits | 14.1178% | 6,525 |
| Net loans and leases to core deposits | 14.4752% | 6,516 |
| Total domestic deposits to total assets | 92.6960% | 100 |
| Equity capital to assets | 7.2412% | 6,348 |
| Core capital (leverage) ratio | 7.3162% | 6,328 |
| Tier 1 risk-based capital ratio | 23.2467% | 1,087 |
| Total risk-based capital ratio | 23.8537% | 1,157 |
| Memoranda: | ||
| Average total assets | $93,670,250 | 4,810 |
| Average earning assets | $90,183,000 | 4,700 |
| Average equity | $6,991,500 | 5,465 |
| Average total loans | $11,479,500 | 6,337 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4738% | 6,603 |
| Cost of funding earning assets | 0.1328% | 6,349 |
| Net interest margin | 1.3411% | 6,597 |
| Noninterest income to average assets | 0.2725% | 5,253 |
| Noninterest expense to average assets | 1.3775% | 6,489 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.1519% | 5,950 |
| Return on assets (ROA) | 0.2725% | 5,733 |
| Pretax return on assets | 0.3309% | 5,724 |
| Return on Equity (ROE) | 3.6127% | 5,300 |
| Retained earnings to average equity (ytd only) | 3.6127% | 3,895 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.2271% | 1,064 |
| Assets per employee ($millions) | 7.1249% | 754 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5404% | 2,720 |
| Loan loss allowance to noncurrent loans | 1,314.2857% | 403 |
| Noncurrent assets plus other real estate owned to assets | 0.0151% | 6,195 |
| Noncurrent loans to loans | 0.1172% | 5,665 |
| Net loans and leases to total assets | 12.6976% | 6,582 |
| Net loans and leases to deposits | 13.7647% | 6,590 |
| Net loans and leases to core deposits | 14.1858% | 6,583 |
| Total domestic deposits to total assets | 92.2471% | 143 |
| Equity capital to assets | 7.6892% | 6,301 |
| Core capital (leverage) ratio | 7.5535% | 6,298 |
| Tier 1 risk-based capital ratio | 24.7151% | 903 |
| Total risk-based capital ratio | 25.3583% | 951 |
| Memoranda: | ||
| Average total assets | $92,486,670 | 4,857 |
| Average earning assets | $88,883,000 | 4,756 |
| Average equity | $6,975,330 | 5,497 |
| Average total loans | $11,003,670 | 6,414 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4502% | 6,680 |
| Cost of funding earning assets | 0.1306% | 6,441 |
| Net interest margin | 1.3196% | 6,675 |
| Noninterest income to average assets | 0.2597% | 5,280 |
| Noninterest expense to average assets | 1.3634% | 6,579 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.1091% | 6,009 |
| Return on assets (ROA) | 0.1948% | 5,862 |
| Pretax return on assets | 0.2943% | 5,731 |
| Return on Equity (ROE) | 2.6079% | 5,586 |
| Retained earnings to average equity (ytd only) | 2.6079% | 4,511 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.2351% | 1,098 |
| Assets per employee ($millions) | 7.1703% | 734 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6199% | 2,614 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 11.9231% | 6,660 |
| Net loans and leases to deposits | 12.9003% | 6,668 |
| Net loans and leases to core deposits | 13.3359% | 6,659 |
| Total domestic deposits to total assets | 92.4250% | 178 |
| Equity capital to assets | 7.4506% | 6,327 |
| Core capital (leverage) ratio | 7.6132% | 6,299 |
| Tier 1 risk-based capital ratio | 24.2457% | 968 |
| Total risk-based capital ratio | 24.8855% | 1,038 |
| Memoranda: | ||
| Average total assets | $92,418,000 | 4,907 |
| Average earning assets | $88,817,000 | 4,805 |
| Average equity | $6,902,000 | 5,541 |
| Average total loans | $10,533,000 | 6,501 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.3546% | 6,756 |
| Cost of funding earning assets | 0.1330% | 6,597 |
| Net interest margin | 1.2215% | 6,749 |
| Noninterest income to average assets | 0.9583% | 1,498 |
| Noninterest expense to average assets | 1.4412% | 6,609 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.5614% | 4,450 |
| Return on assets (ROA) | 0.6382% | 4,187 |
| Pretax return on assets | 0.7828% | 4,210 |
| Return on Equity (ROE) | 8.7247% | 2,687 |
| Retained earnings to average equity (ytd only) | 6.7908% | 1,529 |
| Net charge-offs to loans | 0.0191% | 5,057 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 324.0000% | 136 |
| Efficiency ratio | 67.6485% | 4,264 |
| Assets per employee ($millions) | 7.0478% | 741 |
| Cash dividends to net income (ytd only)* | 22.1667% | 3,633 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8733% | 1,844 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 10.4626% | 6,744 |
| Net loans and leases to deposits | 11.3268% | 6,753 |
| Net loans and leases to core deposits | 11.7160% | 6,745 |
| Total domestic deposits to total assets | 92.3697% | 221 |
| Equity capital to assets | 7.4862% | 6,289 |
| Core capital (leverage) ratio | 7.6913% | 6,307 |
| Tier 1 risk-based capital ratio | 24.6639% | 891 |
| Total risk-based capital ratio | 25.3130% | 939 |
| Memoranda: | ||
| Average total assets | $94,020,200 | 4,885 |
| Average earning assets | $90,213,800 | 4,769 |
| Average equity | $6,877,000 | 5,602 |
| Average total loans | $10,469,600 | 6,572 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.3136% | 6,845 |
| Cost of funding earning assets | 0.1309% | 6,697 |
| Net interest margin | 1.1827% | 6,836 |
| Noninterest income to average assets | 1.1639% | 1,081 |
| Noninterest expense to average assets | 1.3556% | 6,713 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.6729% | 3,996 |
| Return on assets (ROA) | 0.7609% | 3,683 |
| Pretax return on assets | 1.0653% | 3,243 |
| Return on Equity (ROE) | 10.4625% | 2,016 |
| Retained earnings to average equity (ytd only) | 7.8856% | 1,461 |
| Net charge-offs to loans | 0.0251% | 4,624 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 333.5730% | 176 |
| Efficiency ratio | 59.0184% | 5,552 |
| Assets per employee ($millions) | 7.0066% | 746 |
| Cash dividends to net income (ytd only)* | 24.6299% | 2,910 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7913% | 2,331 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 11.0149% | 6,831 |
| Net loans and leases to deposits | 11.9128% | 6,834 |
| Net loans and leases to core deposits | 12.3701% | 6,826 |
| Total domestic deposits to total assets | 92.4621% | 187 |
| Equity capital to assets | 7.3436% | 6,443 |
| Core capital (leverage) ratio | 7.5825% | 6,419 |
| Tier 1 risk-based capital ratio | 24.8523% | 890 |
| Total risk-based capital ratio | 25.5076% | 943 |
| Memoranda: | ||
| Average total assets | $94,619,750 | 4,919 |
| Average earning assets | $90,638,000 | 4,789 |
| Average equity | $6,881,500 | 5,672 |
| Average total loans | $10,644,750 | 6,635 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.3321% | 6,892 |
| Cost of funding earning assets | 0.1247% | 6,771 |
| Net interest margin | 1.2075% | 6,884 |
| Noninterest income to average assets | 1.5742% | 634 |
| Noninterest expense to average assets | 1.2986% | 6,791 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.9998% | 2,330 |
| Return on assets (ROA) | 1.0773% | 2,118 |
| Pretax return on assets | 1.5387% | 1,513 |
| Return on Equity (ROE) | 14.8582% | 832 |
| Retained earnings to average equity (ytd only) | 14.8582% | 241 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.6263% | 6,559 |
| Assets per employee ($millions) | 6.8562% | 766 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8746% | 2,184 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 10.8650% | 6,878 |
| Net loans and leases to deposits | 11.7939% | 6,883 |
| Net loans and leases to core deposits | 12.2585% | 6,875 |
| Total domestic deposits to total assets | 92.1239% | 230 |
| Equity capital to assets | 7.6529% | 6,392 |
| Core capital (leverage) ratio | 7.6468% | 6,393 |
| Tier 1 risk-based capital ratio | 25.7680% | 797 |
| Total risk-based capital ratio | 26.4479% | 836 |
| Memoranda: | ||
| Average total assets | $95,797,670 | 4,916 |
| Average earning assets | $91,432,330 | 4,806 |
| Average equity | $6,945,670 | 5,698 |
| Average total loans | $10,787,670 | 6,676 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.3002% | 6,976 |
| Cost of funding earning assets | 0.1220% | 6,856 |
| Net interest margin | 1.1782% | 6,966 |
| Noninterest income to average assets | 2.7923% | 278 |
| Noninterest expense to average assets | 1.2831% | 6,885 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.7946% | 485 |
| Return on assets (ROA) | 1.8440% | 489 |
| Pretax return on assets | 2.7115% | 207 |
| Return on Equity (ROE) | 26.0845% | 111 |
| Retained earnings to average equity (ytd only) | 26.0845% | 58 |
| Net charge-offs to loans | 0.0356% | 3,523 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 654.0000% | 48 |
| Efficiency ratio | 32.7160% | 6,944 |
| Assets per employee ($millions) | 7.3896% | 635 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7193% | 2,929 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 10.9488% | 6,950 |
| Net loans and leases to deposits | 11.8733% | 6,958 |
| Net loans and leases to core deposits | 12.1968% | 6,950 |
| Total domestic deposits to total assets | 92.2136% | 212 |
| Equity capital to assets | 7.4876% | 6,598 |
| Core capital (leverage) ratio | 7.6114% | 6,414 |
| Tier 1 risk-based capital ratio | 23.8632% | 1,034 |
| Total risk-based capital ratio | 24.4913% | 1,101 |
| Memoranda: | ||
| Average total assets | $99,131,500 | 4,883 |
| Average earning assets | $95,061,500 | 4,767 |
| Average equity | $7,008,000 | 5,741 |
| Average total loans | $11,247,000 | 6,729 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8204% | 7,002 |
| Cost of funding earning assets | 0.1520% | 6,913 |
| Net interest margin | 1.6684% | 6,980 |
| Noninterest income to average assets | 0.3335% | 5,066 |
| Noninterest expense to average assets | 1.7757% | 6,650 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.1255% | 5,958 |
| Return on assets (ROA) | 0.3465% | 5,529 |
| Pretax return on assets | 0.3582% | 5,690 |
| Return on Equity (ROE) | 4.3215% | 5,015 |
| Retained earnings to average equity (ytd only) | 2.3731% | 4,564 |
| Net charge-offs to loans | 0.1621% | 4,082 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 5.5500% | 3,009 |
| Efficiency ratio | 93.1608% | 852 |
| Assets per employee ($millions) | 5.6777% | 1,537 |
| Cash dividends to net income (ytd only)* | 45.0847% | 2,583 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5689% | 3,447 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 11.3574% | 7,007 |
| Net loans and leases to deposits | 12.1835% | 7,015 |
| Net loans and leases to core deposits | 12.4503% | 7,008 |
| Total domestic deposits to total assets | 93.2190% | 108 |
| Equity capital to assets | 6.6763% | 6,821 |
| Core capital (leverage) ratio | 6.6821% | 6,764 |
| Tier 1 risk-based capital ratio | 21.2642% | 1,403 |
| Total risk-based capital ratio | 21.8664% | 1,511 |
| Memoranda: | ||
| Average total assets | $85,147,200 | 5,212 |
| Average earning assets | $80,255,800 | 5,115 |
| Average equity | $6,826,400 | 5,811 |
| Average total loans | $12,338,600 | 6,766 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9381% | 7,109 |
| Cost of funding earning assets | 0.1602% | 7,015 |
| Net interest margin | 1.7779% | 7,081 |
| Noninterest income to average assets | 0.3561% | 4,975 |
| Noninterest expense to average assets | 1.7654% | 6,720 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.2479% | 5,786 |
| Return on assets (ROA) | 0.3742% | 5,558 |
| Pretax return on assets | 0.3857% | 5,749 |
| Return on Equity (ROE) | 4.4331% | 5,080 |
| Retained earnings to average equity (ytd only) | 1.8357% | 5,414 |
| Net charge-offs to loans | 0.2138% | 3,450 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 7.7488% | 2,557 |
| Efficiency ratio | 87.3573% | 1,263 |
| Assets per employee ($millions) | 4.8889% | 2,334 |
| Cash dividends to net income (ytd only)* | 58.5905% | 1,326 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4277% | 4,250 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 14.5146% | 7,083 |
| Net loans and leases to deposits | 15.8119% | 7,100 |
| Net loans and leases to core deposits | 16.2199% | 7,094 |
| Total domestic deposits to total assets | 91.7955% | 233 |
| Equity capital to assets | 7.7658% | 6,686 |
| Core capital (leverage) ratio | 7.5912% | 6,573 |
| Tier 1 risk-based capital ratio | 22.1359% | 1,306 |
| Total risk-based capital ratio | 22.7693% | 1,393 |
| Memoranda: | ||
| Average total assets | $80,884,500 | 5,382 |
| Average earning assets | $75,741,750 | 5,300 |
| Average equity | $6,827,250 | 5,879 |
| Average total loans | $12,475,250 | 6,847 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0138% | 7,176 |
| Cost of funding earning assets | 0.1759% | 7,069 |
| Net interest margin | 1.8379% | 7,143 |
| Noninterest income to average assets | 0.3643% | 4,914 |
| Noninterest expense to average assets | 1.7832% | 6,772 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.3005% | 5,619 |
| Return on assets (ROA) | 0.3796% | 5,530 |
| Pretax return on assets | 0.3923% | 5,727 |
| Return on Equity (ROE) | 4.3663% | 5,105 |
| Retained earnings to average equity (ytd only) | 4.3663% | 3,708 |
| Net charge-offs to loans | 0.3248% | 2,734 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 6.1000% | 2,699 |
| Efficiency ratio | 85.1582% | 1,516 |
| Assets per employee ($millions) | 4.4860% | 2,928 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5329% | 3,860 |
| Loan loss allowance to noncurrent loans | 1,027.7778% | 397 |
| Noncurrent assets plus other real estate owned to assets | 0.0223% | 6,776 |
| Noncurrent loans to loans | 0.1491% | 6,292 |
| Net loans and leases to total assets | 14.7174% | 7,147 |
| Net loans and leases to deposits | 16.1522% | 7,162 |
| Net loans and leases to core deposits | 16.6108% | 7,157 |
| Total domestic deposits to total assets | 91.1168% | 414 |
| Equity capital to assets | 8.5129% | 6,199 |
| Core capital (leverage) ratio | 8.2886% | 5,926 |
| Tier 1 risk-based capital ratio | 24.0937% | 1,002 |
| Total risk-based capital ratio | 24.7774% | 1,054 |
| Memoranda: | ||
| Average total assets | $78,512,330 | 5,479 |
| Average earning assets | $73,889,000 | 5,400 |
| Average equity | $6,825,000 | 5,898 |
| Average total loans | $12,314,330 | 6,910 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0135% | 7,235 |
| Cost of funding earning assets | 0.1860% | 7,127 |
| Net interest margin | 1.8275% | 7,198 |
| Noninterest income to average assets | 0.3618% | 4,984 |
| Noninterest expense to average assets | 1.7986% | 6,795 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.2822% | 5,714 |
| Return on assets (ROA) | 0.3825% | 5,516 |
| Pretax return on assets | 0.3928% | 5,743 |
| Return on Equity (ROE) | 4.3526% | 5,114 |
| Retained earnings to average equity (ytd only) | 4.3526% | 3,981 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.1386% | 1,470 |
| Assets per employee ($millions) | 4.3992% | 3,193 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6231% | 3,634 |
| Loan loss allowance to noncurrent loans | 386.7925% | 879 |
| Noncurrent assets plus other real estate owned to assets | 0.0669% | 6,720 |
| Noncurrent loans to loans | 0.4196% | 5,829 |
| Net loans and leases to total assets | 15.6911% | 7,195 |
| Net loans and leases to deposits | 17.2335% | 7,215 |
| Net loans and leases to core deposits | 17.7584% | 7,214 |
| Total domestic deposits to total assets | 91.0501% | 533 |
| Equity capital to assets | 8.6418% | 5,941 |
| Core capital (leverage) ratio | 8.4048% | 5,734 |
| Tier 1 risk-based capital ratio | 24.0351% | 999 |
| Total risk-based capital ratio | 24.8003% | 1,046 |
| Memoranda: | ||
| Average total assets | $77,394,500 | 5,547 |
| Average earning assets | $73,106,500 | 5,465 |
| Average equity | $6,800,500 | 5,933 |
| Average total loans | $12,437,000 | 6,960 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4449% | 7,261 |
| Cost of funding earning assets | 0.2546% | 7,171 |
| Net interest margin | 2.1903% | 7,180 |
| Noninterest income to average assets | 0.4198% | 4,448 |
| Noninterest expense to average assets | 2.1078% | 6,480 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.3513% | 5,060 |
| Return on assets (ROA) | 0.5284% | 4,509 |
| Pretax return on assets | 0.5718% | 4,776 |
| Return on Equity (ROE) | 5.6156% | 4,077 |
| Retained earnings to average equity (ytd only) | 3.3693% | 3,825 |
| Net charge-offs to loans | -0.0163% | 6,936 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.7497% | 1,686 |
| Assets per employee ($millions) | 4.2002% | 3,466 |
| Cash dividends to net income (ytd only)* | 40.0000% | 2,594 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6743% | 3,299 |
| 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 | 15.9238% | 7,252 |
| Net loans and leases to deposits | 17.5442% | 7,273 |
| Net loans and leases to core deposits | 18.1633% | 7,260 |
| Total domestic deposits to total assets | 90.7637% | 601 |
| Equity capital to assets | 8.9387% | 5,623 |
| Core capital (leverage) ratio | 8.5140% | 5,534 |
| Tier 1 risk-based capital ratio | 34.2903% | 357 |
| Total risk-based capital ratio | 35.3946% | 356 |
| Memoranda: | ||
| Average total assets | $69,077,600 | 5,772 |
| Average earning assets | $65,196,600 | 5,696 |
| Average equity | $6,499,800 | 6,014 |
| Average total loans | $12,278,600 | 7,022 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5105% | 7,344 |
| Cost of funding earning assets | 0.2673% | 7,261 |
| Net interest margin | 2.2432% | 7,241 |
| Noninterest income to average assets | 0.4092% | 4,599 |
| Noninterest expense to average assets | 2.0559% | 6,582 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.4620% | 4,714 |
| Return on assets (ROA) | 0.4448% | 4,999 |
| Pretax return on assets | 0.4586% | 5,289 |
| Return on Equity (ROE) | 4.6617% | 4,688 |
| Retained earnings to average equity (ytd only) | 1.6368% | 5,321 |
| Net charge-offs to loans | 0.0108% | 6,001 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 241.6015% | 167 |
| Efficiency ratio | 81.1866% | 2,087 |
| Assets per employee ($millions) | 3.9217% | 4,026 |
| Cash dividends to net income (ytd only)* | 64.8888% | 1,040 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6587% | 3,420 |
| 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 | 16.9656% | 7,319 |
| Net loans and leases to deposits | 18.8136% | 7,340 |
| Net loans and leases to core deposits | 19.5313% | 7,333 |
| Total domestic deposits to total assets | 90.1771% | 774 |
| Equity capital to assets | 9.3937% | 5,247 |
| Core capital (leverage) ratio | 9.0199% | 4,894 |
| Tier 1 risk-based capital ratio | 34.6736% | 365 |
| Total risk-based capital ratio | 35.7986% | 360 |
| Memoranda: | ||
| Average total assets | $67,446,000 | 5,854 |
| Average earning assets | $63,837,000 | 5,779 |
| Average equity | $6,435,250 | 6,075 |
| Average total loans | $12,287,250 | 7,090 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5455% | 7,416 |
| Cost of funding earning assets | 0.2804% | 7,336 |
| Net interest margin | 2.2652% | 7,291 |
| Noninterest income to average assets | 0.4036% | 4,654 |
| Noninterest expense to average assets | 2.0663% | 6,660 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.4626% | 4,665 |
| Return on assets (ROA) | 0.4217% | 5,000 |
| Pretax return on assets | 0.4368% | 5,278 |
| Return on Equity (ROE) | 4.3956% | 4,743 |
| Retained earnings to average equity (ytd only) | 4.3956% | 3,392 |
| Net charge-offs to loans | 0.0162% | 5,615 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 159.0000% | 223 |
| Efficiency ratio | 81.1834% | 2,218 |
| Assets per employee ($millions) | 3.6902% | 4,472 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6340% | 3,567 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 18.3069% | 7,387 |
| Net loans and leases to deposits | 20.4020% | 7,403 |
| Net loans and leases to core deposits | 20.9334% | 7,401 |
| Total domestic deposits to total assets | 89.7310% | 1,108 |
| Equity capital to assets | 9.8912% | 4,283 |
| Core capital (leverage) ratio | 9.4948% | 3,965 |
| Tier 1 risk-based capital ratio | 27.1765% | 717 |
| Total risk-based capital ratio | 28.0496% | 724 |
| Memoranda: | ||
| Average total assets | $66,398,000 | 5,948 |
| Average earning assets | $62,776,670 | 5,865 |
| Average equity | $6,370,000 | 6,122 |
| Average total loans | $12,323,670 | 7,154 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5404% | 7,477 |
| Cost of funding earning assets | 0.3064% | 7,380 |
| Net interest margin | 2.2340% | 7,342 |
| Noninterest income to average assets | 0.3796% | 4,878 |
| Noninterest expense to average assets | 2.0547% | 6,731 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.4212% | 4,850 |
| Return on assets (ROA) | 0.4037% | 5,016 |
| Pretax return on assets | 0.4158% | 5,294 |
| Return on Equity (ROE) | 4.2743% | 4,760 |
| Retained earnings to average equity (ytd only) | 4.2743% | 3,603 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.5666% | 2,144 |
| Assets per employee ($millions) | 3.9568% | 3,924 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5538% | 3,943 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 19.1211% | 7,438 |
| Net loans and leases to deposits | 21.1414% | 7,459 |
| Net loans and leases to core deposits | 21.6806% | 7,455 |
| Total domestic deposits to total assets | 90.4439% | 871 |
| Equity capital to assets | 9.4416% | 4,513 |
| Core capital (leverage) ratio | 9.5023% | 3,802 |
| Tier 1 risk-based capital ratio | 26.2238% | 766 |
| Total risk-based capital ratio | 27.0805% | 782 |
| Memoranda: | ||
| Average total assets | $66,385,500 | 5,979 |
| Average earning assets | $62,666,500 | 5,907 |
| Average equity | $6,270,000 | 6,164 |
| Average total loans | $12,304,500 | 7,210 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8722% | 7,510 |
| Cost of funding earning assets | 0.4338% | 7,395 |
| Net interest margin | 2.4384% | 7,306 |
| Noninterest income to average assets | 0.5009% | 4,158 |
| Noninterest expense to average assets | 2.4752% | 5,880 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.2591% | 5,084 |
| Return on assets (ROA) | 0.3632% | 4,855 |
| Pretax return on assets | 0.3787% | 5,008 |
| Return on Equity (ROE) | 3.3475% | 4,806 |
| Retained earnings to average equity (ytd only) | 1.2375% | 4,936 |
| Net charge-offs to loans | 0.0257% | 6,548 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | 52.3333% | 447 |
| Efficiency ratio | 90.1567% | 1,311 |
| Assets per employee ($millions) | 3.8532% | 4,126 |
| Cash dividends to net income (ytd only)* | 63.0332% | 1,499 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7585% | 2,996 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 17.3132% | 7,543 |
| Net loans and leases to deposits | 19.1448% | 7,564 |
| Net loans and leases to core deposits | 19.5178% | 7,553 |
| Total domestic deposits to total assets | 90.4328% | 872 |
| Equity capital to assets | 9.4481% | 4,469 |
| Core capital (leverage) ratio | 9.3810% | 3,880 |
| Tier 1 risk-based capital ratio | 27.4175% | 653 |
| Total risk-based capital ratio | 28.3229% | 663 |
| Memoranda: | ||
| Average total assets | $58,095,600 | 6,272 |
| Average earning assets | $53,478,000 | 6,238 |
| Average equity | $6,303,200 | 6,274 |
| Average total loans | $11,660,600 | 7,323 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9637% | 7,629 |
| Cost of funding earning assets | 0.4628% | 7,503 |
| Net interest margin | 2.5009% | 7,377 |
| Noninterest income to average assets | 0.5358% | 3,903 |
| Noninterest expense to average assets | 2.4986% | 5,720 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.3055% | 5,141 |
| Return on assets (ROA) | 0.4125% | 4,869 |
| Pretax return on assets | 0.4291% | 5,144 |
| Return on Equity (ROE) | 3.6639% | 4,930 |
| Retained earnings to average equity (ytd only) | 0.8634% | 5,453 |
| Net charge-offs to loans | 0.0342% | 6,218 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 44.6650% | 626 |
| Efficiency ratio | 88.7205% | 1,390 |
| Assets per employee ($millions) | 3.5306% | 4,898 |
| Cash dividends to net income (ytd only)* | 76.4386% | 731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7015% | 3,144 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 18.4545% | 7,630 |
| Net loans and leases to deposits | 20.6207% | 7,661 |
| Net loans and leases to core deposits | 21.1533% | 7,651 |
| Total domestic deposits to total assets | 89.4951% | 1,130 |
| Equity capital to assets | 10.1572% | 3,943 |
| Core capital (leverage) ratio | 10.0943% | 3,154 |
| Tier 1 risk-based capital ratio | 27.8817% | 637 |
| Total risk-based capital ratio | 28.8081% | 648 |
| Memoranda: | ||
| Average total assets | $56,243,250 | 6,412 |
| Average earning assets | $51,286,750 | 6,395 |
| Average equity | $6,331,750 | 6,341 |
| Average total loans | $11,689,750 | 7,419 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0917% | 7,700 |
| Cost of funding earning assets | 0.4873% | 7,561 |
| Net interest margin | 2.6044% | 7,344 |
| Noninterest income to average assets | 0.5613% | 3,620 |
| Noninterest expense to average assets | 2.5982% | 5,329 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.3133% | 5,126 |
| Return on assets (ROA) | 0.4275% | 4,791 |
| Pretax return on assets | 0.4460% | 5,077 |
| Return on Equity (ROE) | 3.6562% | 4,938 |
| Retained earnings to average equity (ytd only) | -0.5723% | 5,865 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.8183% | 1,431 |
| Assets per employee ($millions) | 3.2693% | 5,507 |
| Cash dividends to net income (ytd only)* | 115.6522% | 317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6876% | 3,125 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 20.3936% | 7,683 |
| Net loans and leases to deposits | 22.9909% | 7,709 |
| Net loans and leases to core deposits | 23.4541% | 7,706 |
| Total domestic deposits to total assets | 88.7029% | 1,598 |
| Equity capital to assets | 10.7159% | 3,162 |
| Core capital (leverage) ratio | 11.0155% | 2,230 |
| Tier 1 risk-based capital ratio | 29.0013% | 571 |
| Total risk-based capital ratio | 29.9885% | 572 |
| Memoranda: | ||
| Average total assets | $53,807,330 | 6,526 |
| Average earning assets | $48,840,000 | 6,512 |
| Average equity | $6,290,670 | 6,377 |
| Average total loans | $11,609,330 | 7,476 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2289% | 7,769 |
| Cost of funding earning assets | 0.5194% | 7,651 |
| Net interest margin | 2.7095% | 7,287 |
| Noninterest income to average assets | 0.5693% | 3,494 |
| Noninterest expense to average assets | 2.7375% | 4,732 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.2639% | 5,438 |
| Return on assets (ROA) | 0.4757% | 4,638 |
| Pretax return on assets | 0.4913% | 4,987 |
| Return on Equity (ROE) | 3.8835% | 4,945 |
| Retained earnings to average equity (ytd only) | 3.8835% | 3,812 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.9326% | 1,357 |
| Assets per employee ($millions) | 2.8617% | 6,510 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7940% | 2,754 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 21.8924% | 7,760 |
| Net loans and leases to deposits | 25.0377% | 7,790 |
| Net loans and leases to core deposits | 25.6226% | 7,789 |
| Total domestic deposits to total assets | 87.4376% | 2,391 |
| Equity capital to assets | 12.2420% | 1,906 |
| Core capital (leverage) ratio | 12.3065% | 1,490 |
| Tier 1 risk-based capital ratio | 32.5492% | 419 |
| Total risk-based capital ratio | 33.6431% | 420 |
| Memoranda: | ||
| Average total assets | $51,287,500 | 6,690 |
| Average earning assets | $46,207,500 | 6,695 |
| Average equity | $6,283,000 | 6,422 |
| Average total loans | $11,310,500 | 7,579 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8131% | 7,758 |
| Cost of funding earning assets | 0.6793% | 7,709 |
| Net interest margin | 3.1338% | 6,272 |
| Noninterest income to average assets | 0.6239% | 3,465 |
| Noninterest expense to average assets | 3.0173% | 4,085 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.3036% | 4,524 |
| Return on assets (ROA) | 0.4725% | 3,955 |
| Pretax return on assets | 0.6792% | 3,647 |
| Return on Equity (ROE) | 3.6973% | 4,207 |
| Retained earnings to average equity (ytd only) | 1.5846% | 3,972 |
| Net charge-offs to loans | -0.0416% | 7,837 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.3298% | 1,948 |
| Assets per employee ($millions) | 2.8369% | 6,593 |
| Cash dividends to net income (ytd only)* | 57.1429% | 2,134 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8495% | 2,412 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 21.4084% | 7,849 |
| Net loans and leases to deposits | 24.4777% | 7,875 |
| Net loans and leases to core deposits | 29.0606% | 7,869 |
| Total domestic deposits to total assets | 87.4608% | 2,239 |
| Equity capital to assets | 12.2591% | 1,875 |
| Core capital (leverage) ratio | 12.1058% | 1,619 |
| Tier 1 risk-based capital ratio | 32.4511% | 431 |
| Total risk-based capital ratio | 33.5526% | 426 |
| Memoranda: | ||
| Average total assets | $48,884,400 | 6,754 |
| Average earning assets | $44,164,000 | 6,756 |
| Average equity | $6,247,800 | 6,514 |
| Average total loans | $12,007,400 | 7,604 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8805% | 7,842 |
| Cost of funding earning assets | 0.6992% | 7,812 |
| Net interest margin | 3.1814% | 6,084 |
| Noninterest income to average assets | 0.6178% | 3,565 |
| Noninterest expense to average assets | 2.8106% | 4,847 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.5109% | 3,936 |
| Return on assets (ROA) | 0.6537% | 3,451 |
| Pretax return on assets | 0.8716% | 3,312 |
| Return on Equity (ROE) | 5.0601% | 3,942 |
| Retained earnings to average equity (ytd only) | 2.2419% | 4,076 |
| Net charge-offs to loans | -0.0546% | 7,864 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.4897% | 2,776 |
| Assets per employee ($millions) | 2.6897% | 6,878 |
| Cash dividends to net income (ytd only)* | 55.6980% | 1,782 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7008% | 2,629 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 24.5921% | 7,892 |
| Net loans and leases to deposits | 28.4717% | 7,928 |
| Net loans and leases to core deposits | 33.5901% | 7,923 |
| Total domestic deposits to total assets | 86.3738% | 2,497 |
| Equity capital to assets | 13.0995% | 1,658 |
| Core capital (leverage) ratio | 12.9467% | 1,389 |
| Tier 1 risk-based capital ratio | 33.2185% | 433 |
| Total risk-based capital ratio | 34.3448% | 426 |
| Memoranda: | ||
| Average total assets | $48,339,500 | 6,826 |
| Average earning assets | $43,669,750 | 6,832 |
| Average equity | $6,244,750 | 6,576 |
| Average total loans | $12,224,750 | 7,662 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8795% | 7,949 |
| Cost of funding earning assets | 0.7162% | 7,908 |
| Net interest margin | 3.1633% | 6,052 |
| Noninterest income to average assets | 0.6002% | 3,691 |
| Noninterest expense to average assets | 2.7693% | 5,094 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.5070% | 4,061 |
| Return on assets (ROA) | 0.6540% | 3,560 |
| Pretax return on assets | 0.8817% | 3,398 |
| Return on Equity (ROE) | 5.0867% | 4,041 |
| Retained earnings to average equity (ytd only) | 5.0867% | 2,461 |
| Net charge-offs to loans | -0.0816% | 7,921 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.2158% | 3,012 |
| Assets per employee ($millions) | 2.6671% | 6,910 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4908% | 3,246 |
| 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 | 28.3536% | 7,923 |
| Net loans and leases to deposits | 32.6247% | 7,962 |
| Net loans and leases to core deposits | 37.9863% | 7,955 |
| Total domestic deposits to total assets | 86.9084% | 2,303 |
| Equity capital to assets | 12.8979% | 1,735 |
| Core capital (leverage) ratio | 13.3307% | 1,318 |
| Tier 1 risk-based capital ratio | 32.7806% | 475 |
| Total risk-based capital ratio | 33.8825% | 468 |
| Memoranda: | ||
| Average total assets | $48,314,670 | 6,894 |
| Average earning assets | $43,562,330 | 6,902 |
| Average equity | $6,212,330 | 6,636 |
| Average total loans | $12,262,330 | 7,741 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8017% | 8,038 |
| Cost of funding earning assets | 0.6970% | 7,994 |
| Net interest margin | 3.1047% | 6,183 |
| Noninterest income to average assets | 0.5777% | 3,705 |
| Noninterest expense to average assets | 2.7730% | 4,688 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.4661% | 4,587 |
| Return on assets (ROA) | 0.6107% | 4,166 |
| Pretax return on assets | 0.8335% | 3,959 |
| Return on Equity (ROE) | 4.7569% | 4,573 |
| Retained earnings to average equity (ytd only) | 4.7569% | 3,257 |
| Net charge-offs to loans | -0.0697% | 7,792 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.3559% | 2,629 |
| Assets per employee ($millions) | 2.6713% | 6,943 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7477% | 1,984 |
| 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 | 23.7335% | 8,041 |
| Net loans and leases to deposits | 27.3040% | 8,070 |
| Net loans and leases to core deposits | 30.2521% | 8,083 |
| Total domestic deposits to total assets | 86.9229% | 2,256 |
| Equity capital to assets | 12.9482% | 1,772 |
| Core capital (leverage) ratio | 12.8128% | 1,553 |
| Tier 1 risk-based capital ratio | 33.8715% | 470 |
| Total risk-based capital ratio | 35.0095% | 466 |
| Memoranda: | ||
| Average total assets | $48,468,000 | 6,929 |
| Average earning assets | $44,191,000 | 6,924 |
| Average equity | $6,222,500 | 6,681 |
| Average total loans | $11,484,500 | 7,832 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3500% | 8,057 |
| Cost of funding earning assets | 0.8230% | 8,115 |
| Net interest margin | 3.5270% | 5,202 |
| Noninterest income to average assets | 0.7341% | 2,881 |
| Noninterest expense to average assets | 3.2505% | 3,153 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.4947% | 4,760 |
| Return on assets (ROA) | 0.4947% | 4,597 |
| Pretax return on assets | 0.6686% | 4,495 |
| Return on Equity (ROE) | 3.6318% | 4,983 |
| Retained earnings to average equity (ytd only) | 0.8789% | 4,701 |
| Net charge-offs to loans | -0.0628% | 8,049 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.9395% | 2,188 |
| Assets per employee ($millions) | 2.7140% | 6,753 |
| Cash dividends to net income (ytd only)* | 75.7991% | 1,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7703% | 1,706 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 22.8302% | 8,122 |
| Net loans and leases to deposits | 26.2751% | 8,156 |
| Net loans and leases to core deposits | 28.8325% | 8,159 |
| Total domestic deposits to total assets | 86.8890% | 1,989 |
| Equity capital to assets | 12.7303% | 1,904 |
| Core capital (leverage) ratio | 12.7548% | 1,640 |
| Tier 1 risk-based capital ratio | 34.0365% | 480 |
| Total risk-based capital ratio | 35.1824% | 472 |
| Memoranda: | ||
| Average total assets | $44,269,800 | 7,015 |
| Average earning assets | $39,977,000 | 7,042 |
| Average equity | $6,030,000 | 6,794 |
| Average total loans | $11,151,200 | 7,882 |