Home > Bank of Doniphan > Performance and Condition Ratios
Bank of Doniphan, Performance and Condition Ratios
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8809% | 3,578 |
| Cost of funding earning assets | 0.1907% | 2,931 |
| Net interest margin | 2.6902% | 3,429 |
| Noninterest income to average assets | 0.2669% | 3,528 |
| Noninterest expense to average assets | 2.3830% | 2,226 |
| Loan and lease loss provision to assets | 0.0485% | 1,499 |
| Net operating income to assets | 0.3450% | 4,068 |
| Return on assets (ROA) | 0.3450% | 4,031 |
| Pretax return on assets | 0.3450% | 4,118 |
| Return on Equity (ROE) | 3.8706% | 3,913 |
| Retained earnings to average equity (ytd only) | 3.8706% | 2,984 |
| 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 | 85.8252% | 748 |
| Assets per employee ($millions) | 6.1744% | 2,648 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2483% | 2,614 |
| Loan loss allowance to noncurrent loans | 4,170.0000% | 304 |
| Noncurrent assets plus other real estate owned to assets | 0.2328% | 2,251 |
| Noncurrent loans to loans | 0.0299% | 3,780 |
| Net loans and leases to total assets | 44.5238% | 3,702 |
| Net loans and leases to deposits | 56.3168% | 3,240 |
| Net loans and leases to core deposits | 56.6953% | 3,397 |
| Total domestic deposits to total assets | 79.0594% | 4,345 |
| Equity capital to assets | 8.2606% | 3,357 |
| Core capital (leverage) ratio | 8.4838% | 3,881 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4180% | 2,803 |
| Memoranda: | ||
| Average total assets | $148,385,500 | 3,527 |
| Average earning assets | $138,428,500 | 3,518 |
| Average equity | $13,228,000 | 3,737 |
| Average total loans | $66,327,500 | 3,693 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3433% | 3,075 |
| Cost of funding earning assets | 0.2505% | 2,929 |
| Net interest margin | 3.0928% | 2,926 |
| Noninterest income to average assets | 0.3742% | 3,194 |
| Noninterest expense to average assets | 2.4495% | 2,334 |
| Loan and lease loss provision to assets | 0.0517% | 2,020 |
| Net operating income to assets | 0.6781% | 3,675 |
| Return on assets (ROA) | 0.6910% | 3,707 |
| Pretax return on assets | 0.7693% | 3,790 |
| Return on Equity (ROE) | 6.7751% | 3,577 |
| Retained earnings to average equity (ytd only) | 6.7751% | 2,009 |
| Net charge-offs to loans | 0.2535% | 360 |
| Credit loss provision to net charge-offs | 41.1429% | 2,193 |
| Earnings coverage of net charge-offs (x) | 6.4171% | 2,399 |
| Efficiency ratio | 75.2261% | 1,183 |
| Assets per employee ($millions) | 4.7931% | 3,893 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2332% | 2,720 |
| Loan loss allowance to noncurrent loans | 251.0769% | 2,293 |
| Noncurrent assets plus other real estate owned to assets | 0.2187% | 2,469 |
| Noncurrent loans to loans | 0.4912% | 1,899 |
| Net loans and leases to total assets | 43.9829% | 3,838 |
| Net loans and leases to deposits | 56.1400% | 3,404 |
| Net loans and leases to core deposits | 57.1634% | 3,538 |
| Total domestic deposits to total assets | 78.3451% | 4,360 |
| Equity capital to assets | 9.5669% | 3,078 |
| Core capital (leverage) ratio | 8.7902% | 3,627 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6105% | 2,967 |
| Memoranda: | ||
| Average total assets | $139,212,000 | 3,591 |
| Average earning assets | $129,721,000 | 3,580 |
| Average equity | $14,199,000 | 3,721 |
| Average total loans | $69,036,400 | 3,669 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4807% | 2,894 |
| Cost of funding earning assets | 0.2638% | 2,973 |
| Net interest margin | 3.2169% | 2,680 |
| Noninterest income to average assets | 0.3643% | 3,276 |
| Noninterest expense to average assets | 2.4841% | 2,171 |
| Loan and lease loss provision to assets | 0.0526% | 1,936 |
| Net operating income to assets | 0.7261% | 3,703 |
| Return on assets (ROA) | 0.7433% | 3,729 |
| Pretax return on assets | 0.8407% | 3,816 |
| Return on Equity (ROE) | 7.1667% | 3,627 |
| Retained earnings to average equity (ytd only) | 4.3488% | 3,463 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.9774% | 1,216 |
| Assets per employee ($millions) | 4.4580% | 4,152 |
| Cash dividends to net income (ytd only)* | 39.3185% | 1,651 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3967% | 2,035 |
| Loan loss allowance to noncurrent loans | 186.2333% | 2,635 |
| Noncurrent assets plus other real estate owned to assets | 0.3784% | 1,930 |
| Noncurrent loans to loans | 0.7500% | 1,498 |
| Net loans and leases to total assets | 49.7558% | 3,434 |
| Net loans and leases to deposits | 65.7249% | 2,659 |
| Net loans and leases to core deposits | 67.3886% | 2,826 |
| Total domestic deposits to total assets | 75.7032% | 4,561 |
| Equity capital to assets | 10.4328% | 2,506 |
| Core capital (leverage) ratio | 8.9821% | 3,567 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 9.7686% | 3,118 |
| Memoranda: | ||
| Average total assets | $136,868,750 | 3,652 |
| Average earning assets | $127,364,500 | 3,640 |
| Average equity | $14,195,000 | 3,769 |
| Average total loans | $69,753,500 | 3,706 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6511% | 2,468 |
| Cost of funding earning assets | 0.2782% | 3,004 |
| Net interest margin | 3.3729% | 2,228 |
| Noninterest income to average assets | 0.3562% | 3,335 |
| Noninterest expense to average assets | 2.4775% | 2,215 |
| Loan and lease loss provision to assets | 0.0528% | 1,977 |
| Net operating income to assets | 0.8236% | 3,443 |
| Return on assets (ROA) | 0.8488% | 3,446 |
| Pretax return on assets | 0.9837% | 3,479 |
| Return on Equity (ROE) | 8.2007% | 3,350 |
| Retained earnings to average equity (ytd only) | 3.9517% | 3,532 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0980% | 1,517 |
| Assets per employee ($millions) | 4.4661% | 4,123 |
| Cash dividends to net income (ytd only)* | 51.8135% | 1,173 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4405% | 1,808 |
| Loan loss allowance to noncurrent loans | 207.8261% | 2,405 |
| Noncurrent assets plus other real estate owned to assets | 0.3322% | 2,272 |
| Noncurrent loans to loans | 0.6931% | 1,692 |
| Net loans and leases to total assets | 47.2452% | 3,800 |
| Net loans and leases to deposits | 62.2600% | 3,173 |
| Net loans and leases to core deposits | 63.0279% | 3,376 |
| Total domestic deposits to total assets | 75.8837% | 4,568 |
| Equity capital to assets | 10.2398% | 2,627 |
| Core capital (leverage) ratio | 8.8478% | 3,654 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0959% | 2,942 |
| Memoranda: | ||
| Average total assets | $136,425,333 | 3,671 |
| Average earning assets | $126,538,667 | 3,665 |
| Average equity | $14,120,667 | 3,778 |
| Average total loans | $69,759,333 | 3,728 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7210% | 2,309 |
| Cost of funding earning assets | 0.2919% | 3,077 |
| Net interest margin | 3.4291% | 2,025 |
| Noninterest income to average assets | 0.4785% | 2,712 |
| Noninterest expense to average assets | 2.5374% | 2,066 |
| Loan and lease loss provision to assets | 0.0532% | 2,043 |
| Net operating income to assets | 0.9128% | 3,099 |
| Return on assets (ROA) | 0.9128% | 3,175 |
| Pretax return on assets | 1.0457% | 3,240 |
| Return on Equity (ROE) | 8.7706% | 3,114 |
| Retained earnings to average equity (ytd only) | 4.5130% | 3,361 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7807% | 1,733 |
| Assets per employee ($millions) | 4.3907% | 4,202 |
| Cash dividends to net income (ytd only)* | 48.5437% | 1,145 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3258% | 2,317 |
| 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 | 49.6883% | 3,656 |
| Net loans and leases to deposits | 65.2684% | 3,000 |
| Net loans and leases to core deposits | 66.0582% | 3,234 |
| Total domestic deposits to total assets | 76.1292% | 4,576 |
| Equity capital to assets | 9.8362% | 2,858 |
| Core capital (leverage) ratio | 8.9651% | 3,643 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3305% | 2,859 |
| Memoranda: | ||
| Average total assets | $135,413,000 | 3,689 |
| Average earning assets | $124,698,500 | 3,683 |
| Average equity | $14,092,500 | 3,784 |
| Average total loans | $71,455,500 | 3,710 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1766% | 2,213 |
| Cost of funding earning assets | 0.4268% | 3,421 |
| Net interest margin | 3.7498% | 1,642 |
| Noninterest income to average assets | 0.3475% | 3,381 |
| Noninterest expense to average assets | 2.7165% | 2,188 |
| Loan and lease loss provision to assets | 0.0581% | 3,641 |
| Net operating income to assets | 0.8741% | 2,816 |
| Return on assets (ROA) | 0.9385% | 2,673 |
| Pretax return on assets | 1.1063% | 2,665 |
| Return on Equity (ROE) | 8.6562% | 2,533 |
| Retained earnings to average equity (ytd only) | 5.6444% | 1,972 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.3922% | 1,763 |
| Assets per employee ($millions) | 4.0726% | 4,321 |
| Cash dividends to net income (ytd only)* | 34.7938% | 2,617 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2749% | 2,545 |
| 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 | 54.6638% | 3,425 |
| Net loans and leases to deposits | 72.5939% | 2,631 |
| Net loans and leases to core deposits | 73.5517% | 2,948 |
| Total domestic deposits to total assets | 75.3008% | 4,553 |
| Equity capital to assets | 11.0225% | 2,233 |
| Core capital (leverage) ratio | 9.4274% | 3,204 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9184% | 2,946 |
| Memoranda: | ||
| Average total assets | $124,022,000 | 3,697 |
| Average earning assets | $114,352,600 | 3,704 |
| Average equity | $13,447,000 | 3,820 |
| Average total loans | $78,040,600 | 3,595 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3348% | 2,006 |
| Cost of funding earning assets | 0.4541% | 3,501 |
| Net interest margin | 3.8807% | 1,398 |
| Noninterest income to average assets | 0.3724% | 3,219 |
| Noninterest expense to average assets | 2.7625% | 2,081 |
| Loan and lease loss provision to assets | 0.0588% | 3,616 |
| Net operating income to assets | 0.9725% | 2,444 |
| Return on assets (ROA) | 1.0595% | 2,245 |
| Pretax return on assets | 1.2457% | 2,244 |
| Return on Equity (ROE) | 9.8150% | 2,082 |
| Retained earnings to average equity (ytd only) | 6.7384% | 1,801 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6787% | 1,929 |
| Assets per employee ($millions) | 3.9147% | 4,391 |
| Cash dividends to net income (ytd only)* | 31.3464% | 2,304 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0989% | 3,220 |
| 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 | 64.8011% | 2,660 |
| Net loans and leases to deposits | 87.9948% | 1,486 |
| Net loans and leases to core deposits | 93.2287% | 1,693 |
| Total domestic deposits to total assets | 73.6419% | 4,592 |
| Equity capital to assets | 11.2460% | 2,195 |
| Core capital (leverage) ratio | 9.4480% | 3,305 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3322% | 2,487 |
| Memoranda: | ||
| Average total assets | $122,446,500 | 3,708 |
| Average earning assets | $113,343,000 | 3,709 |
| Average equity | $13,217,500 | 3,845 |
| Average total loans | $79,510,750 | 3,581 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5153% | 1,876 |
| Cost of funding earning assets | 0.4989% | 3,538 |
| Net interest margin | 4.0163% | 1,279 |
| Noninterest income to average assets | 0.3506% | 3,377 |
| Noninterest expense to average assets | 2.8312% | 2,016 |
| Loan and lease loss provision to assets | 0.0593% | 3,558 |
| Net operating income to assets | 0.9811% | 2,395 |
| Return on assets (ROA) | 1.1111% | 2,054 |
| Pretax return on assets | 1.3250% | 1,947 |
| Return on Equity (ROE) | 10.4430% | 1,829 |
| Retained earnings to average equity (ytd only) | 9.0506% | 991 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7203% | 1,995 |
| Assets per employee ($millions) | 4.0466% | 4,261 |
| Cash dividends to net income (ytd only)* | 13.3333% | 2,956 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0813% | 3,166 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 62.4545% | 3,079 |
| Net loans and leases to deposits | 85.1375% | 1,869 |
| Net loans and leases to core deposits | 91.0578% | 1,985 |
| Total domestic deposits to total assets | 73.3572% | 4,634 |
| Equity capital to assets | 10.6617% | 2,610 |
| Core capital (leverage) ratio | 9.4246% | 3,446 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6669% | 2,329 |
| Memoranda: | ||
| Average total assets | $121,505,000 | 3,707 |
| Average earning assets | $112,241,667 | 3,705 |
| Average equity | $12,927,333 | 3,878 |
| Average total loans | $78,654,667 | 3,605 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4643% | 2,411 |
| Cost of funding earning assets | 0.5243% | 3,830 |
| Net interest margin | 3.9399% | 1,553 |
| Noninterest income to average assets | 0.4119% | 3,019 |
| Noninterest expense to average assets | 3.0125% | 1,860 |
| Loan and lease loss provision to assets | 0.0613% | 3,006 |
| Net operating income to assets | 0.8456% | 2,729 |
| Return on assets (ROA) | 0.9463% | 2,462 |
| Pretax return on assets | 1.0858% | 2,570 |
| Return on Equity (ROE) | 8.9045% | 2,150 |
| Retained earnings to average equity (ytd only) | 6.0218% | 1,861 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4949% | 1,748 |
| Assets per employee ($millions) | 3.6630% | 4,319 |
| Cash dividends to net income (ytd only)* | 32.3741% | 2,085 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1402% | 2,989 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 63.9856% | 3,070 |
| Net loans and leases to deposits | 83.9136% | 2,244 |
| Net loans and leases to core deposits | 89.0686% | 2,438 |
| Total domestic deposits to total assets | 76.2517% | 4,454 |
| Equity capital to assets | 10.2818% | 3,532 |
| Core capital (leverage) ratio | 9.6955% | 3,776 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $117,512,000 | 3,738 |
| Average earning assets | $108,326,500 | 3,743 |
| Average equity | $12,488,000 | 3,946 |
| Average total loans | $77,103,500 | 3,627 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8209% | 1,986 |
| Cost of funding earning assets | 0.5958% | 3,659 |
| Net interest margin | 4.2251% | 1,266 |
| Noninterest income to average assets | 0.4031% | 3,275 |
| Noninterest expense to average assets | 3.1889% | 1,550 |
| Loan and lease loss provision to assets | 0.0637% | 2,761 |
| Net operating income to assets | 0.9066% | 3,184 |
| Return on assets (ROA) | 0.9088% | 3,264 |
| Pretax return on assets | 1.0591% | 3,299 |
| Return on Equity (ROE) | 8.3252% | 3,031 |
| Retained earnings to average equity (ytd only) | 6.1386% | 1,803 |
| Net charge-offs to loans | 0.0592% | 2,258 |
| Credit loss provision to net charge-offs | 150.0000% | 1,705 |
| Earnings coverage of net charge-offs (x) | 26.3958% | 1,698 |
| Efficiency ratio | 74.0049% | 1,600 |
| Assets per employee ($millions) | 3.6815% | 4,284 |
| Cash dividends to net income (ytd only)* | 26.2646% | 3,245 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0812% | 3,053 |
| Loan loss allowance to noncurrent loans | 2,171.7949% | 299 |
| Noncurrent assets plus other real estate owned to assets | 0.0331% | 4,477 |
| Noncurrent loans to loans | 0.0498% | 4,348 |
| Net loans and leases to total assets | 65.7796% | 2,975 |
| Net loans and leases to deposits | 87.1481% | 1,950 |
| Net loans and leases to core deposits | 92.5279% | 2,198 |
| Total domestic deposits to total assets | 75.4802% | 4,660 |
| Equity capital to assets | 10.9705% | 3,026 |
| Core capital (leverage) ratio | 9.6389% | 3,915 |
| Tier 1 risk-based capital ratio | 11.1333% | 4,808 |
| Total risk-based capital ratio | 11.9790% | 4,865 |
| Memoranda: | ||
| Average total assets | $113,111,000 | 3,789 |
| Average earning assets | $104,566,000 | 3,798 |
| Average equity | $12,348,000 | 3,951 |
| Average total loans | $81,086,600 | 3,577 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8762% | 1,888 |
| Cost of funding earning assets | 0.5981% | 3,709 |
| Net interest margin | 4.2781% | 1,210 |
| Noninterest income to average assets | 0.4169% | 3,218 |
| Noninterest expense to average assets | 3.2339% | 1,400 |
| Loan and lease loss provision to assets | 0.0643% | 2,604 |
| Net operating income to assets | 0.9248% | 3,256 |
| Return on assets (ROA) | 0.9350% | 3,289 |
| Pretax return on assets | 1.0923% | 3,314 |
| Return on Equity (ROE) | 8.5762% | 3,070 |
| Retained earnings to average equity (ytd only) | 6.6097% | 2,053 |
| Net charge-offs to loans | 0.0783% | 1,705 |
| Credit loss provision to net charge-offs | 112.5000% | 2,062 |
| Earnings coverage of net charge-offs (x) | 20.0203% | 1,977 |
| Efficiency ratio | 73.8575% | 1,589 |
| Assets per employee ($millions) | 3.5711% | 4,431 |
| Cash dividends to net income (ytd only)* | 22.9296% | 2,916 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0053% | 3,539 |
| 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 | 71.4393% | 2,256 |
| Net loans and leases to deposits | 96.1250% | 1,001 |
| Net loans and leases to core deposits | 103.1252% | 1,402 |
| Total domestic deposits to total assets | 74.3192% | 4,796 |
| Equity capital to assets | 11.1826% | 2,947 |
| Core capital (leverage) ratio | 9.8332% | 3,802 |
| Tier 1 risk-based capital ratio | 10.6034% | 5,046 |
| Total risk-based capital ratio | 11.4028% | 5,092 |
| Memoranda: | ||
| Average total assets | $111,937,000 | 3,848 |
| Average earning assets | $103,658,000 | 3,853 |
| Average equity | $12,204,000 | 4,008 |
| Average total loans | $81,773,250 | 3,605 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8266% | 1,981 |
| Cost of funding earning assets | 0.5564% | 3,855 |
| Net interest margin | 4.2702% | 1,203 |
| Noninterest income to average assets | 0.4120% | 3,198 |
| Noninterest expense to average assets | 3.2387% | 1,427 |
| Loan and lease loss provision to assets | 0.0648% | 2,520 |
| Net operating income to assets | 0.9230% | 3,199 |
| Return on assets (ROA) | 0.9230% | 3,258 |
| Pretax return on assets | 1.0580% | 3,358 |
| Return on Equity (ROE) | 8.5412% | 3,047 |
| Retained earnings to average equity (ytd only) | 7.0428% | 1,784 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2574% | 1,613 |
| Assets per employee ($millions) | 3.4838% | 4,516 |
| Cash dividends to net income (ytd only)* | 17.5439% | 3,095 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0473% | 3,350 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 72.7985% | 2,098 |
| Net loans and leases to deposits | 99.2491% | 735 |
| Net loans and leases to core deposits | 100.1839% | 1,705 |
| Total domestic deposits to total assets | 73.3493% | 4,876 |
| Equity capital to assets | 11.2143% | 2,843 |
| Core capital (leverage) ratio | 9.8068% | 3,820 |
| Tier 1 risk-based capital ratio | 12.5132% | 4,117 |
| Total risk-based capital ratio | 13.5070% | 4,130 |
| Memoranda: | ||
| Average total assets | $111,157,330 | 3,882 |
| Average earning assets | $102,806,000 | 3,887 |
| Average equity | $12,012,330 | 4,044 |
| Average total loans | $81,542,000 | 3,630 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7227% | 2,148 |
| Cost of funding earning assets | 0.5004% | 4,058 |
| Net interest margin | 4.2223% | 1,257 |
| Noninterest income to average assets | 0.4325% | 2,958 |
| Noninterest expense to average assets | 3.2254% | 1,434 |
| Loan and lease loss provision to assets | 0.0649% | 2,364 |
| Net operating income to assets | 0.9550% | 3,031 |
| Return on assets (ROA) | 0.9550% | 3,072 |
| Pretax return on assets | 1.0343% | 3,330 |
| Return on Equity (ROE) | 9.0079% | 2,810 |
| Retained earnings to average equity (ytd only) | 9.0079% | 1,318 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5833% | 1,668 |
| Assets per employee ($millions) | 3.4778% | 4,581 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0294% | 3,527 |
| Loan loss allowance to noncurrent loans | 6,007.1429% | 129 |
| Noncurrent assets plus other real estate owned to assets | 0.0126% | 4,810 |
| Noncurrent loans to loans | 0.0171% | 4,705 |
| Net loans and leases to total assets | 72.6519% | 2,052 |
| Net loans and leases to deposits | 95.2647% | 1,034 |
| Net loans and leases to core deposits | 96.4212% | 1,899 |
| Total domestic deposits to total assets | 76.2631% | 4,734 |
| Equity capital to assets | 10.8239% | 3,022 |
| Core capital (leverage) ratio | 9.8088% | 3,808 |
| Tier 1 risk-based capital ratio | 12.3963% | 4,234 |
| Total risk-based capital ratio | 13.3747% | 4,277 |
| Memoranda: | ||
| Average total assets | $110,994,500 | 3,920 |
| Average earning assets | $102,315,000 | 3,936 |
| Average equity | $11,767,500 | 4,093 |
| Average total loans | $81,304,500 | 3,667 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5576% | 2,263 |
| Cost of funding earning assets | 0.3634% | 4,200 |
| Net interest margin | 4.1943% | 1,403 |
| Noninterest income to average assets | 0.4065% | 3,402 |
| Noninterest expense to average assets | 3.0482% | 1,939 |
| Loan and lease loss provision to assets | 0.0650% | 2,848 |
| Net operating income to assets | 0.9672% | 3,150 |
| Return on assets (ROA) | 0.9649% | 3,156 |
| Pretax return on assets | 1.1492% | 3,102 |
| Return on Equity (ROE) | 9.4949% | 2,749 |
| Retained earnings to average equity (ytd only) | 4.6052% | 2,994 |
| Net charge-offs to loans | 0.1759% | 1,095 |
| Credit loss provision to net charge-offs | 51.0638% | 3,174 |
| Earnings coverage of net charge-offs (x) | 9.5532% | 2,801 |
| Efficiency ratio | 71.4679% | 1,974 |
| Assets per employee ($millions) | 3.4593% | 4,593 |
| Cash dividends to net income (ytd only)* | 51.4981% | 1,880 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0171% | 3,575 |
| Loan loss allowance to noncurrent loans | 5,486.6667% | 153 |
| Noncurrent assets plus other real estate owned to assets | 0.0136% | 4,832 |
| Noncurrent loans to loans | 0.0185% | 4,709 |
| Net loans and leases to total assets | 72.3500% | 2,200 |
| Net loans and leases to deposits | 92.5746% | 1,461 |
| Net loans and leases to core deposits | 93.6758% | 2,252 |
| Total domestic deposits to total assets | 78.1532% | 4,464 |
| Equity capital to assets | 10.3787% | 3,303 |
| Core capital (leverage) ratio | 9.5810% | 4,027 |
| Tier 1 risk-based capital ratio | 10.9788% | 4,989 |
| Total risk-based capital ratio | 11.8484% | 5,043 |
| Memoranda: | ||
| Average total assets | $110,688,000 | 3,932 |
| Average earning assets | $101,828,800 | 3,953 |
| Average equity | $11,248,200 | 4,128 |
| Average total loans | $80,155,600 | 3,665 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4696% | 2,399 |
| Cost of funding earning assets | 0.3075% | 4,468 |
| Net interest margin | 4.1621% | 1,462 |
| Noninterest income to average assets | 0.4144% | 3,394 |
| Noninterest expense to average assets | 3.0331% | 1,921 |
| Loan and lease loss provision to assets | 0.0650% | 2,669 |
| Net operating income to assets | 0.9643% | 3,244 |
| Return on assets (ROA) | 0.9613% | 3,273 |
| Pretax return on assets | 1.1444% | 3,218 |
| Return on Equity (ROE) | 9.5099% | 2,841 |
| Retained earnings to average equity (ytd only) | 5.5772% | 2,905 |
| Net charge-offs to loans | -0.0017% | 4,069 |
| Credit loss provision to net charge-offs | -5,400.0000% | 4,857 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4326% | 1,972 |
| Assets per employee ($millions) | 3.5191% | 4,536 |
| Cash dividends to net income (ytd only)* | 41.3536% | 1,990 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1198% | 3,073 |
| Loan loss allowance to noncurrent loans | 662.2378% | 849 |
| Noncurrent assets plus other real estate owned to assets | 0.1270% | 4,327 |
| Noncurrent loans to loans | 0.1691% | 4,133 |
| Net loans and leases to total assets | 74.2559% | 1,940 |
| Net loans and leases to deposits | 106.3542% | 427 |
| Net loans and leases to core deposits | 107.7465% | 1,185 |
| Total domestic deposits to total assets | 69.8194% | 5,218 |
| Equity capital to assets | 9.9980% | 3,648 |
| Core capital (leverage) ratio | 9.4769% | 4,203 |
| Tier 1 risk-based capital ratio | 11.7278% | 4,645 |
| Total risk-based capital ratio | 12.8016% | 4,650 |
| Memoranda: | ||
| Average total assets | $110,685,500 | 3,973 |
| Average earning assets | $101,901,250 | 3,988 |
| Average equity | $11,188,000 | 4,175 |
| Average total loans | $79,966,250 | 3,699 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3720% | 2,503 |
| Cost of funding earning assets | 0.2773% | 4,575 |
| Net interest margin | 4.0946% | 1,577 |
| Noninterest income to average assets | 0.4271% | 3,315 |
| Noninterest expense to average assets | 3.0188% | 1,993 |
| Loan and lease loss provision to assets | 0.0654% | 2,590 |
| Net operating income to assets | 0.9242% | 3,348 |
| Return on assets (ROA) | 0.9196% | 3,381 |
| Pretax return on assets | 1.0941% | 3,344 |
| Return on Equity (ROE) | 9.0646% | 2,987 |
| Retained earnings to average equity (ytd only) | 4.9443% | 3,105 |
| Net charge-offs to loans | -0.0025% | 3,984 |
| Credit loss provision to net charge-offs | -3,600.0000% | 4,720 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.1546% | 1,976 |
| Assets per employee ($millions) | 3.5162% | 4,574 |
| Cash dividends to net income (ytd only)* | 45.4545% | 1,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1630% | 2,914 |
| Loan loss allowance to noncurrent loans | 649.6503% | 891 |
| Noncurrent assets plus other real estate owned to assets | 0.1312% | 4,342 |
| Noncurrent loans to loans | 0.1790% | 4,103 |
| Net loans and leases to total assets | 72.4320% | 2,208 |
| Net loans and leases to deposits | 96.8428% | 1,054 |
| Net loans and leases to core deposits | 98.2332% | 1,874 |
| Total domestic deposits to total assets | 74.7934% | 4,965 |
| Equity capital to assets | 10.2832% | 3,356 |
| Core capital (leverage) ratio | 9.5849% | 4,015 |
| Tier 1 risk-based capital ratio | 12.1395% | 4,410 |
| Total risk-based capital ratio | 13.2503% | 4,375 |
| Memoranda: | ||
| Average total assets | $110,043,330 | 4,016 |
| Average earning assets | $100,961,330 | 4,033 |
| Average equity | $11,164,330 | 4,213 |
| Average total loans | $78,432,330 | 3,739 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2984% | 2,517 |
| Cost of funding earning assets | 0.2620% | 4,638 |
| Net interest margin | 4.0365% | 1,606 |
| Noninterest income to average assets | 0.4414% | 3,172 |
| Noninterest expense to average assets | 3.0028% | 2,052 |
| Loan and lease loss provision to assets | 0.0651% | 2,470 |
| Net operating income to assets | 0.8956% | 3,315 |
| Return on assets (ROA) | 0.8864% | 3,362 |
| Pretax return on assets | 1.0419% | 3,387 |
| Return on Equity (ROE) | 8.7955% | 3,011 |
| Retained earnings to average equity (ytd only) | 4.3080% | 3,461 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8709% | 2,061 |
| Assets per employee ($millions) | 3.4482% | 4,732 |
| Cash dividends to net income (ytd only)* | 51.0204% | 1,491 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1656% | 3,003 |
| Loan loss allowance to noncurrent loans | 627.5862% | 898 |
| Noncurrent assets plus other real estate owned to assets | 0.1356% | 4,414 |
| Noncurrent loans to loans | 0.1857% | 4,128 |
| Net loans and leases to total assets | 72.1837% | 2,143 |
| Net loans and leases to deposits | 92.8900% | 1,346 |
| Net loans and leases to core deposits | 94.0379% | 2,136 |
| Total domestic deposits to total assets | 77.7088% | 4,763 |
| Equity capital to assets | 10.3373% | 3,232 |
| Core capital (leverage) ratio | 9.2495% | 4,381 |
| Tier 1 risk-based capital ratio | 12.4500% | 4,280 |
| Total risk-based capital ratio | 13.5838% | 4,247 |
| Memoranda: | ||
| Average total assets | $110,563,500 | 4,058 |
| Average earning assets | $100,781,500 | 4,081 |
| Average equity | $11,142,000 | 4,257 |
| Average total loans | $77,707,500 | 3,786 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3581% | 2,157 |
| Cost of funding earning assets | 0.2591% | 4,487 |
| Net interest margin | 4.0990% | 1,442 |
| Noninterest income to average assets | 0.3972% | 3,654 |
| Noninterest expense to average assets | 3.0577% | 1,983 |
| Loan and lease loss provision to assets | 0.0670% | 2,867 |
| Net operating income to assets | 0.8177% | 3,084 |
| Return on assets (ROA) | 0.8177% | 3,127 |
| Pretax return on assets | 1.0400% | 3,416 |
| Return on Equity (ROE) | 8.0063% | 2,790 |
| Retained earnings to average equity (ytd only) | 5.6381% | 1,745 |
| Net charge-offs to loans | 0.0013% | 4,078 |
| Credit loss provision to net charge-offs | 7,200.0000% | 46 |
| Earnings coverage of net charge-offs (x) | 1,190.0000% | 60 |
| Efficiency ratio | 73.4197% | 1,997 |
| Assets per employee ($millions) | 3.6849% | 4,453 |
| Cash dividends to net income (ytd only)* | 29.5791% | 3,316 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1533% | 3,036 |
| Loan loss allowance to noncurrent loans | 471.9577% | 1,175 |
| Noncurrent assets plus other real estate owned to assets | 0.1655% | 4,316 |
| Noncurrent loans to loans | 0.2444% | 3,924 |
| Net loans and leases to total assets | 66.9272% | 2,977 |
| Net loans and leases to deposits | 82.6055% | 2,653 |
| Net loans and leases to core deposits | 94.0809% | 2,186 |
| Total domestic deposits to total assets | 81.0204% | 4,117 |
| Equity capital to assets | 9.8343% | 3,886 |
| Core capital (leverage) ratio | 8.8079% | 4,851 |
| Tier 1 risk-based capital ratio | 12.0219% | 4,512 |
| Total risk-based capital ratio | 13.1081% | 4,512 |
| Memoranda: | ||
| Average total assets | $107,498,800 | 4,108 |
| Average earning assets | $98,805,200 | 4,119 |
| Average equity | $10,978,800 | 4,299 |
| Average total loans | $78,493,600 | 3,778 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3588% | 2,082 |
| Cost of funding earning assets | 0.2284% | 4,751 |
| Net interest margin | 4.1304% | 1,318 |
| Noninterest income to average assets | 0.4007% | 3,678 |
| Noninterest expense to average assets | 3.0745% | 1,882 |
| Loan and lease loss provision to assets | 0.0680% | 2,712 |
| Net operating income to assets | 0.7989% | 3,526 |
| Return on assets (ROA) | 0.7989% | 3,575 |
| Pretax return on assets | 1.0635% | 3,444 |
| Return on Equity (ROE) | 7.7445% | 3,266 |
| Retained earnings to average equity (ytd only) | 4.5685% | 3,168 |
| Net charge-offs to loans | -0.0017% | 4,304 |
| Credit loss provision to net charge-offs | -5,400.0000% | 5,174 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0977% | 2,028 |
| Assets per employee ($millions) | 3.5363% | 4,678 |
| Cash dividends to net income (ytd only)* | 41.0098% | 2,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0652% | 3,701 |
| Loan loss allowance to noncurrent loans | 118.2186% | 3,256 |
| Noncurrent assets plus other real estate owned to assets | 0.6759% | 2,470 |
| Noncurrent loans to loans | 0.9010% | 2,127 |
| Net loans and leases to total assets | 74.2196% | 1,881 |
| Net loans and leases to deposits | 105.3747% | 442 |
| Net loans and leases to core deposits | 106.4263% | 1,245 |
| Total domestic deposits to total assets | 70.4340% | 5,463 |
| Equity capital to assets | 10.2585% | 3,627 |
| Core capital (leverage) ratio | 9.2353% | 4,482 |
| Tier 1 risk-based capital ratio | 11.2657% | 5,099 |
| Total risk-based capital ratio | 12.2792% | 5,119 |
| Memoranda: | ||
| Average total assets | $105,815,250 | 4,182 |
| Average earning assets | $97,486,750 | 4,178 |
| Average equity | $10,915,000 | 4,354 |
| Average total loans | $78,780,750 | 3,804 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2921% | 2,162 |
| Cost of funding earning assets | 0.2013% | 4,966 |
| Net interest margin | 4.0908% | 1,349 |
| Noninterest income to average assets | 0.3998% | 3,695 |
| Noninterest expense to average assets | 3.0896% | 1,859 |
| Loan and lease loss provision to assets | 0.0689% | 2,592 |
| Net operating income to assets | 0.7690% | 3,551 |
| Return on assets (ROA) | 0.7690% | 3,600 |
| Pretax return on assets | 1.0120% | 3,516 |
| Return on Equity (ROE) | 7.4412% | 3,315 |
| Retained earnings to average equity (ytd only) | 4.0168% | 3,319 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0826% | 2,002 |
| Assets per employee ($millions) | 3.5250% | 4,680 |
| Cash dividends to net income (ytd only)* | 46.0199% | 2,047 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0862% | 3,660 |
| 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 | 73.8875% | 1,892 |
| Net loans and leases to deposits | 98.1596% | 881 |
| Net loans and leases to core deposits | 99.1071% | 1,718 |
| Total domestic deposits to total assets | 75.2728% | 5,171 |
| Equity capital to assets | 10.4917% | 3,357 |
| Core capital (leverage) ratio | 9.2561% | 4,424 |
| Tier 1 risk-based capital ratio | 11.7630% | 4,790 |
| Total risk-based capital ratio | 12.8165% | 4,808 |
| Memoranda: | ||
| Average total assets | $104,545,000 | 4,235 |
| Average earning assets | $96,363,330 | 4,226 |
| Average equity | $10,804,670 | 4,389 |
| Average total loans | $77,627,670 | 3,848 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1735% | 2,371 |
| Cost of funding earning assets | 0.2170% | 4,824 |
| Net interest margin | 3.9565% | 1,587 |
| Noninterest income to average assets | 0.4118% | 3,579 |
| Noninterest expense to average assets | 3.0825% | 1,914 |
| Loan and lease loss provision to assets | 0.0693% | 2,427 |
| Net operating income to assets | 0.7158% | 3,634 |
| Return on assets (ROA) | 0.7158% | 3,673 |
| Pretax return on assets | 0.9082% | 3,737 |
| Return on Equity (ROE) | 6.9797% | 3,405 |
| Retained earnings to average equity (ytd only) | 3.6024% | 3,639 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.9242% | 1,919 |
| Assets per employee ($millions) | 3.4875% | 4,801 |
| Cash dividends to net income (ytd only)* | 48.3871% | 1,735 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0957% | 3,738 |
| Loan loss allowance to noncurrent loans | 730.4348% | 764 |
| Noncurrent assets plus other real estate owned to assets | 0.1099% | 4,831 |
| Noncurrent loans to loans | 0.1500% | 4,590 |
| Net loans and leases to total assets | 72.4741% | 2,006 |
| Net loans and leases to deposits | 88.6688% | 1,713 |
| Net loans and leases to core deposits | 89.4639% | 2,401 |
| Total domestic deposits to total assets | 81.7357% | 4,236 |
| Equity capital to assets | 10.2624% | 3,459 |
| Core capital (leverage) ratio | 9.2316% | 4,432 |
| Tier 1 risk-based capital ratio | 10.7918% | 5,409 |
| Total risk-based capital ratio | 11.7501% | 5,464 |
| Memoranda: | ||
| Average total assets | $103,942,500 | 4,283 |
| Average earning assets | $95,843,000 | 4,277 |
| Average equity | $10,659,500 | 4,443 |
| Average total loans | $76,944,500 | 3,882 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1691% | 2,590 |
| Cost of funding earning assets | 0.2179% | 4,853 |
| Net interest margin | 3.9512% | 1,784 |
| Noninterest income to average assets | 0.4209% | 3,735 |
| Noninterest expense to average assets | 3.2322% | 1,723 |
| Loan and lease loss provision to assets | 0.0695% | 2,963 |
| Net operating income to assets | 0.5972% | 4,214 |
| Return on assets (ROA) | 0.6391% | 4,156 |
| Pretax return on assets | 0.8129% | 4,153 |
| Return on Equity (ROE) | 6.1512% | 3,902 |
| Retained earnings to average equity (ytd only) | 3.6331% | 3,335 |
| Net charge-offs to loans | 0.0132% | 3,835 |
| Credit loss provision to net charge-offs | 720.0000% | 498 |
| Earnings coverage of net charge-offs (x) | 85.9000% | 677 |
| Efficiency ratio | 79.5816% | 1,472 |
| Assets per employee ($millions) | 3.4420% | 4,841 |
| Cash dividends to net income (ytd only)* | 40.9366% | 2,819 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0644% | 3,926 |
| Loan loss allowance to noncurrent loans | 637.2093% | 876 |
| Noncurrent assets plus other real estate owned to assets | 0.1249% | 4,811 |
| Noncurrent loans to loans | 0.1670% | 4,563 |
| Net loans and leases to total assets | 73.9890% | 1,855 |
| Net loans and leases to deposits | 89.6789% | 1,722 |
| Net loans and leases to core deposits | 91.0446% | 2,401 |
| Total domestic deposits to total assets | 82.5044% | 3,934 |
| Equity capital to assets | 10.2479% | 3,451 |
| Core capital (leverage) ratio | 9.0172% | 4,723 |
| Tier 1 risk-based capital ratio | 11.0002% | 5,347 |
| Total risk-based capital ratio | 11.9658% | 5,389 |
| Memoranda: | ||
| Average total assets | $103,581,800 | 4,293 |
| Average earning assets | $95,439,800 | 4,284 |
| Average equity | $10,762,200 | 4,456 |
| Average total loans | $75,729,600 | 3,907 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0989% | 2,881 |
| Cost of funding earning assets | 0.2149% | 4,923 |
| Net interest margin | 3.8840% | 2,039 |
| Noninterest income to average assets | 0.4116% | 3,833 |
| Noninterest expense to average assets | 3.2489% | 1,685 |
| Loan and lease loss provision to assets | 0.0695% | 2,830 |
| Net operating income to assets | 0.5376% | 4,546 |
| Return on assets (ROA) | 0.5942% | 4,425 |
| Pretax return on assets | 0.7434% | 4,491 |
| Return on Equity (ROE) | 5.6997% | 4,213 |
| Retained earnings to average equity (ytd only) | 3.4667% | 3,818 |
| Net charge-offs to loans | -0.0035% | 4,555 |
| Credit loss provision to net charge-offs | -2,700.0000% | 5,352 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.4051% | 1,259 |
| Assets per employee ($millions) | 3.6435% | 4,580 |
| Cash dividends to net income (ytd only)* | 39.1782% | 2,390 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0291% | 4,255 |
| Loan loss allowance to noncurrent loans | 4,794.1176% | 159 |
| Noncurrent assets plus other real estate owned to assets | 0.0161% | 5,450 |
| Noncurrent loans to loans | 0.0215% | 5,302 |
| Net loans and leases to total assets | 74.1806% | 1,844 |
| Net loans and leases to deposits | 98.1431% | 838 |
| Net loans and leases to core deposits | 102.4535% | 1,448 |
| Total domestic deposits to total assets | 75.5842% | 5,281 |
| Equity capital to assets | 10.3472% | 3,749 |
| Core capital (leverage) ratio | 9.0223% | 4,806 |
| Tier 1 risk-based capital ratio | 10.3711% | 5,669 |
| Total risk-based capital ratio | 11.2844% | 5,733 |
| Memoranda: | ||
| Average total assets | $103,662,250 | 4,325 |
| Average earning assets | $95,535,000 | 4,314 |
| Average equity | $10,807,250 | 4,496 |
| Average total loans | $75,356,250 | 3,945 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0327% | 3,127 |
| Cost of funding earning assets | 0.2134% | 5,005 |
| Net interest margin | 3.8193% | 2,243 |
| Noninterest income to average assets | 0.3942% | 3,914 |
| Noninterest expense to average assets | 3.1458% | 1,941 |
| Loan and lease loss provision to assets | 0.0699% | 2,744 |
| Net operating income to assets | 0.5237% | 4,590 |
| Return on assets (ROA) | 0.5340% | 4,656 |
| Pretax return on assets | 0.7029% | 4,610 |
| Return on Equity (ROE) | 5.1090% | 4,466 |
| Retained earnings to average equity (ytd only) | 3.3255% | 3,785 |
| Net charge-offs to loans | -0.0054% | 4,545 |
| Credit loss provision to net charge-offs | -1,800.0000% | 5,199 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.5569% | 1,437 |
| Assets per employee ($millions) | 3.6160% | 4,574 |
| Cash dividends to net income (ytd only)* | 34.9091% | 2,645 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0749% | 4,082 |
| Loan loss allowance to noncurrent loans | 926.7442% | 620 |
| Noncurrent assets plus other real estate owned to assets | 0.0849% | 5,189 |
| Noncurrent loans to loans | 0.1160% | 4,983 |
| Net loans and leases to total assets | 72.4442% | 2,097 |
| Net loans and leases to deposits | 91.5432% | 1,572 |
| Net loans and leases to core deposits | 92.9080% | 2,267 |
| Total domestic deposits to total assets | 79.1366% | 4,745 |
| Equity capital to assets | 10.7606% | 3,333 |
| Core capital (leverage) ratio | 9.0169% | 4,810 |
| Tier 1 risk-based capital ratio | 10.9048% | 5,476 |
| Total risk-based capital ratio | 11.8546% | 5,541 |
| Memoranda: | ||
| Average total assets | $102,996,000 | 4,370 |
| Average earning assets | $94,677,000 | 4,368 |
| Average equity | $10,765,330 | 4,530 |
| Average total loans | $74,076,670 | 3,997 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9577% | 3,369 |
| Cost of funding earning assets | 0.2143% | 5,062 |
| Net interest margin | 3.7434% | 2,509 |
| Noninterest income to average assets | 0.4159% | 3,712 |
| Noninterest expense to average assets | 3.0654% | 2,191 |
| Loan and lease loss provision to assets | 0.0693% | 2,567 |
| Net operating income to assets | 0.5776% | 4,283 |
| Return on assets (ROA) | 0.5776% | 4,393 |
| Pretax return on assets | 0.7124% | 4,486 |
| Return on Equity (ROE) | 5.6072% | 4,168 |
| Retained earnings to average equity (ytd only) | 5.6072% | 2,575 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.6797% | 1,651 |
| Assets per employee ($millions) | 3.7993% | 4,303 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0691% | 4,232 |
| 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 | 67.5917% | 2,715 |
| Net loans and leases to deposits | 85.6785% | 2,093 |
| Net loans and leases to core deposits | 86.8962% | 2,665 |
| Total domestic deposits to total assets | 78.8898% | 4,990 |
| Equity capital to assets | 10.1523% | 3,894 |
| Core capital (leverage) ratio | 9.0063% | 4,848 |
| Tier 1 risk-based capital ratio | 10.8695% | 5,572 |
| Total risk-based capital ratio | 11.7953% | 5,632 |
| Memoranda: | ||
| Average total assets | $103,869,500 | 4,390 |
| Average earning assets | $95,208,000 | 4,396 |
| Average equity | $10,700,500 | 4,559 |
| Average total loans | $74,042,000 | 4,021 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2284% | 2,464 |
| Cost of funding earning assets | 0.2336% | 4,970 |
| Net interest margin | 3.9948% | 1,733 |
| Noninterest income to average assets | 0.4311% | 3,810 |
| Noninterest expense to average assets | 3.2082% | 1,949 |
| Loan and lease loss provision to assets | 0.0728% | 2,813 |
| Net operating income to assets | 0.6366% | 4,105 |
| Return on assets (ROA) | 0.6366% | 4,187 |
| Pretax return on assets | 0.8183% | 4,130 |
| Return on Equity (ROE) | 6.1603% | 3,965 |
| Retained earnings to average equity (ytd only) | 3.7464% | 3,382 |
| Net charge-offs to loans | -0.0856% | 5,732 |
| Credit loss provision to net charge-offs | -114.0625% | 5,171 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.2619% | 1,928 |
| Assets per employee ($millions) | 3.6200% | 4,607 |
| Cash dividends to net income (ytd only)* | 39.1850% | 2,880 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0066% | 4,563 |
| 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 | 73.6432% | 1,785 |
| Net loans and leases to deposits | 90.0834% | 1,601 |
| Net loans and leases to core deposits | 91.3769% | 2,286 |
| Total domestic deposits to total assets | 81.7500% | 4,238 |
| Equity capital to assets | 10.4589% | 3,407 |
| Core capital (leverage) ratio | 8.8582% | 5,051 |
| Tier 1 risk-based capital ratio | 10.6489% | 5,703 |
| Total risk-based capital ratio | 11.5497% | 5,788 |
| Memoranda: | ||
| Average total assets | $100,212,400 | 4,459 |
| Average earning assets | $92,019,800 | 4,468 |
| Average equity | $10,356,600 | 4,588 |
| Average total loans | $74,757,200 | 3,977 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1960% | 2,585 |
| Cost of funding earning assets | 0.2350% | 5,041 |
| Net interest margin | 3.9610% | 1,839 |
| Noninterest income to average assets | 0.4390% | 3,806 |
| Noninterest expense to average assets | 3.2557% | 1,809 |
| Loan and lease loss provision to assets | 0.0734% | 2,703 |
| Net operating income to assets | 0.6004% | 4,385 |
| Return on assets (ROA) | 0.6004% | 4,491 |
| Pretax return on assets | 0.7539% | 4,478 |
| Return on Equity (ROE) | 5.8277% | 4,235 |
| Retained earnings to average equity (ytd only) | 2.5901% | 4,573 |
| Net charge-offs to loans | -0.1144% | 5,835 |
| Credit loss provision to net charge-offs | -85.9375% | 5,031 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.7386% | 1,696 |
| Assets per employee ($millions) | 3.7676% | 4,330 |
| Cash dividends to net income (ytd only)* | 55.5559% | 1,629 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9564% | 4,953 |
| Loan loss allowance to noncurrent loans | 368.6567% | 1,338 |
| Noncurrent assets plus other real estate owned to assets | 0.1976% | 4,960 |
| Noncurrent loans to loans | 0.2594% | 4,650 |
| Net loans and leases to total assets | 75.4325% | 1,471 |
| Net loans and leases to deposits | 99.4943% | 697 |
| Net loans and leases to core deposits | 100.6915% | 1,459 |
| Total domestic deposits to total assets | 75.8159% | 5,516 |
| Equity capital to assets | 10.1972% | 3,939 |
| Core capital (leverage) ratio | 8.9617% | 5,036 |
| Tier 1 risk-based capital ratio | 10.0536% | 6,028 |
| Total risk-based capital ratio | 10.9017% | 6,086 |
| Memoranda: | ||
| Average total assets | $99,925,750 | 4,509 |
| Average earning assets | $91,927,000 | 4,520 |
| Average equity | $10,295,500 | 4,653 |
| Average total loans | $74,595,750 | 4,023 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1588% | 2,689 |
| Cost of funding earning assets | 0.2391% | 5,064 |
| Net interest margin | 3.9197% | 1,912 |
| Noninterest income to average assets | 0.4148% | 3,969 |
| Noninterest expense to average assets | 3.2237% | 1,912 |
| Loan and lease loss provision to assets | 0.0725% | 2,657 |
| Net operating income to assets | 0.5940% | 4,377 |
| Return on assets (ROA) | 0.5940% | 4,468 |
| Pretax return on assets | 0.7168% | 4,607 |
| Return on Equity (ROE) | 5.7451% | 4,258 |
| Retained earnings to average equity (ytd only) | 2.6291% | 4,384 |
| Net charge-offs to loans | -0.0679% | 5,651 |
| Credit loss provision to net charge-offs | -144.0000% | 4,959 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.3312% | 1,708 |
| Assets per employee ($millions) | 3.7240% | 4,377 |
| Cash dividends to net income (ytd only)* | 54.2373% | 1,765 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9000% | 5,301 |
| 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 | 74.7971% | 1,536 |
| Net loans and leases to deposits | 95.0183% | 1,049 |
| Net loans and leases to core deposits | 96.1284% | 1,786 |
| Total domestic deposits to total assets | 78.7186% | 5,154 |
| Equity capital to assets | 10.2081% | 3,797 |
| Core capital (leverage) ratio | 8.8493% | 5,159 |
| Tier 1 risk-based capital ratio | 10.2548% | 6,014 |
| Total risk-based capital ratio | 11.0581% | 6,098 |
| Memoranda: | ||
| Average total assets | $99,326,330 | 4,564 |
| Average earning assets | $91,179,330 | 4,577 |
| Average equity | $10,269,670 | 4,689 |
| Average total loans | $73,636,330 | 4,068 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1737% | 2,558 |
| Cost of funding earning assets | 0.2479% | 5,046 |
| Net interest margin | 3.9258% | 1,800 |
| Noninterest income to average assets | 0.4579% | 3,589 |
| Noninterest expense to average assets | 3.2011% | 1,982 |
| Loan and lease loss provision to assets | 0.0729% | 2,480 |
| Net operating income to assets | 0.6240% | 4,179 |
| Return on assets (ROA) | 0.6240% | 4,278 |
| Pretax return on assets | 0.7780% | 4,321 |
| Return on Equity (ROE) | 5.9966% | 4,041 |
| Retained earnings to average equity (ytd only) | 3.0762% | 4,135 |
| Net charge-offs to loans | -0.1434% | 5,967 |
| Credit loss provision to net charge-offs | -69.2308% | 4,433 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.0000% | 2,041 |
| Assets per employee ($millions) | 3.7354% | 4,452 |
| Cash dividends to net income (ytd only)* | 48.7013% | 1,777 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9244% | 5,357 |
| Loan loss allowance to noncurrent loans | 2,296.5517% | 278 |
| Noncurrent assets plus other real estate owned to assets | 0.0466% | 5,751 |
| Noncurrent loans to loans | 0.0403% | 5,621 |
| Net loans and leases to total assets | 70.7739% | 2,024 |
| Net loans and leases to deposits | 86.3755% | 1,786 |
| Net loans and leases to core deposits | 87.3383% | 2,395 |
| Total domestic deposits to total assets | 81.9374% | 4,527 |
| Equity capital to assets | 10.2325% | 3,849 |
| Core capital (leverage) ratio | 8.8238% | 5,171 |
| Tier 1 risk-based capital ratio | 10.9424% | 5,833 |
| Total risk-based capital ratio | 11.7837% | 5,937 |
| Memoranda: | ||
| Average total assets | $98,715,500 | 4,608 |
| Average earning assets | $90,375,500 | 4,632 |
| Average equity | $10,272,500 | 4,728 |
| Average total loans | $72,509,500 | 4,116 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2504% | 2,777 |
| Cost of funding earning assets | 0.2660% | 5,148 |
| Net interest margin | 3.9844% | 1,939 |
| Noninterest income to average assets | 0.4463% | 3,858 |
| Noninterest expense to average assets | 3.3025% | 1,926 |
| Loan and lease loss provision to assets | 0.0737% | 3,008 |
| Net operating income to assets | 0.5641% | 4,535 |
| Return on assets (ROA) | 0.5641% | 4,628 |
| Pretax return on assets | 0.7043% | 4,611 |
| Return on Equity (ROE) | 5.5378% | 4,387 |
| Retained earnings to average equity (ytd only) | 2.3719% | 4,539 |
| Net charge-offs to loans | 0.1734% | 2,293 |
| Credit loss provision to net charge-offs | 58.5366% | 3,316 |
| Earnings coverage of net charge-offs (x) | 6.1789% | 3,254 |
| Efficiency ratio | 80.9333% | 1,778 |
| Assets per employee ($millions) | 3.5769% | 4,763 |
| Cash dividends to net income (ytd only)* | 57.1688% | 1,887 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8524% | 5,627 |
| Loan loss allowance to noncurrent loans | 6,911.1111% | 126 |
| Noncurrent assets plus other real estate owned to assets | 0.0280% | 5,933 |
| Noncurrent loans to loans | 0.0123% | 5,862 |
| Net loans and leases to total assets | 74.9172% | 1,430 |
| Net loans and leases to deposits | 91.3040% | 1,364 |
| Net loans and leases to core deposits | 92.3623% | 2,054 |
| Total domestic deposits to total assets | 82.0525% | 4,403 |
| Equity capital to assets | 10.5875% | 3,375 |
| Core capital (leverage) ratio | 8.8930% | 5,131 |
| Tier 1 risk-based capital ratio | 11.2416% | 5,797 |
| Total risk-based capital ratio | 12.0562% | 5,921 |
| Memoranda: | ||
| Average total assets | $97,685,000 | 4,658 |
| Average earning assets | $89,097,800 | 4,675 |
| Average equity | $9,949,800 | 4,761 |
| Average total loans | $70,947,000 | 4,148 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2019% | 2,982 |
| Cost of funding earning assets | 0.2690% | 5,216 |
| Net interest margin | 3.9329% | 2,103 |
| Noninterest income to average assets | 0.4614% | 3,803 |
| Noninterest expense to average assets | 3.2542% | 2,018 |
| Loan and lease loss provision to assets | 0.0735% | 2,868 |
| Net operating income to assets | 0.5771% | 4,553 |
| Return on assets (ROA) | 0.5771% | 4,635 |
| Pretax return on assets | 0.7159% | 4,652 |
| Return on Equity (ROE) | 5.7213% | 4,382 |
| Retained earnings to average equity (ytd only) | 1.4708% | 5,309 |
| Net charge-offs to loans | 0.2839% | 1,383 |
| Credit loss provision to net charge-offs | 36.0000% | 3,350 |
| Earnings coverage of net charge-offs (x) | 3.8666% | 3,580 |
| Efficiency ratio | 80.4780% | 1,848 |
| Assets per employee ($millions) | 3.6367% | 4,602 |
| Cash dividends to net income (ytd only)* | 74.2924% | 894 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7833% | 5,915 |
| Loan loss allowance to noncurrent loans | 149.7409% | 2,744 |
| Noncurrent assets plus other real estate owned to assets | 0.9940% | 2,964 |
| Noncurrent loans to loans | 0.5231% | 4,363 |
| Net loans and leases to total assets | 74.5646% | 1,433 |
| Net loans and leases to deposits | 92.9396% | 1,136 |
| Net loans and leases to core deposits | 94.6946% | 1,783 |
| Total domestic deposits to total assets | 80.2291% | 5,040 |
| Equity capital to assets | 10.2190% | 3,908 |
| Core capital (leverage) ratio | 8.8266% | 5,301 |
| Tier 1 risk-based capital ratio | 10.8249% | 6,080 |
| Total risk-based capital ratio | 11.5646% | 6,228 |
| Memoranda: | ||
| Average total assets | $97,962,250 | 4,696 |
| Average earning assets | $89,227,500 | 4,721 |
| Average equity | $9,881,000 | 4,812 |
| Average total loans | $70,440,250 | 4,204 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1823% | 3,020 |
| Cost of funding earning assets | 0.2691% | 5,292 |
| Net interest margin | 3.9132% | 2,105 |
| Noninterest income to average assets | 0.4761% | 3,663 |
| Noninterest expense to average assets | 3.2303% | 2,106 |
| Loan and lease loss provision to assets | 0.0736% | 2,798 |
| Net operating income to assets | 0.6416% | 4,144 |
| Return on assets (ROA) | 0.6416% | 4,244 |
| Pretax return on assets | 0.7376% | 4,507 |
| Return on Equity (ROE) | 6.3886% | 3,945 |
| Retained earnings to average equity (ytd only) | 1.5056% | 5,140 |
| Net charge-offs to loans | 0.4328% | 948 |
| Credit loss provision to net charge-offs | 24.0000% | 3,133 |
| Earnings coverage of net charge-offs (x) | 2.6467% | 3,504 |
| Efficiency ratio | 79.9292% | 2,037 |
| Assets per employee ($millions) | 3.6216% | 4,616 |
| Cash dividends to net income (ytd only)* | 76.4331% | 990 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7951% | 5,984 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6034% | 4,169 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 71.3263% | 1,858 |
| Net loans and leases to deposits | 89.3663% | 1,430 |
| Net loans and leases to core deposits | 91.0652% | 2,025 |
| Total domestic deposits to total assets | 79.8135% | 5,282 |
| Equity capital to assets | 10.2247% | 3,797 |
| Core capital (leverage) ratio | 8.7565% | 5,331 |
| Tier 1 risk-based capital ratio | 11.4957% | 5,803 |
| Total risk-based capital ratio | 12.2587% | 5,988 |
| Memoranda: | ||
| Average total assets | $97,886,330 | 4,731 |
| Average earning assets | $89,184,670 | 4,747 |
| Average equity | $9,830,000 | 4,840 |
| Average total loans | $69,322,670 | 4,256 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0738% | 3,381 |
| Cost of funding earning assets | 0.2830% | 5,242 |
| Net interest margin | 3.7909% | 2,507 |
| Noninterest income to average assets | 0.5146% | 3,300 |
| Noninterest expense to average assets | 3.1448% | 2,389 |
| Loan and lease loss provision to assets | 0.0735% | 2,669 |
| Net operating income to assets | 0.6126% | 4,140 |
| Return on assets (ROA) | 0.6126% | 4,217 |
| Pretax return on assets | 0.7433% | 4,339 |
| Return on Equity (ROE) | 6.1564% | 3,936 |
| Retained earnings to average equity (ytd only) | -0.6156% | 5,666 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.3814% | 2,287 |
| Assets per employee ($millions) | 3.6789% | 4,564 |
| Cash dividends to net income (ytd only)* | 110.0000% | 586 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0044% | 5,506 |
| Loan loss allowance to noncurrent loans | 93.3784% | 3,783 |
| Noncurrent assets plus other real estate owned to assets | 0.7450% | 3,889 |
| Noncurrent loans to loans | 1.0756% | 3,270 |
| Net loans and leases to total assets | 68.5651% | 2,130 |
| Net loans and leases to deposits | 82.4266% | 2,010 |
| Net loans and leases to core deposits | 84.4430% | 2,465 |
| Total domestic deposits to total assets | 83.1832% | 4,539 |
| Equity capital to assets | 9.8370% | 4,050 |
| Core capital (leverage) ratio | 8.6323% | 5,488 |
| Tier 1 risk-based capital ratio | 11.7781% | 5,774 |
| Total risk-based capital ratio | 12.7548% | 5,861 |
| Memoranda: | ||
| Average total assets | $97,938,000 | 4,774 |
| Average earning assets | $89,056,500 | 4,797 |
| Average equity | $9,746,000 | 4,881 |
| Average total loans | $68,832,000 | 4,304 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3392% | 2,812 |
| Cost of funding earning assets | 0.3138% | 5,477 |
| Net interest margin | 4.0254% | 1,878 |
| Noninterest income to average assets | 0.8382% | 1,908 |
| Noninterest expense to average assets | 3.1036% | 2,723 |
| Loan and lease loss provision to assets | 0.0748% | 3,617 |
| Net operating income to assets | 1.0543% | 2,098 |
| Return on assets (ROA) | 1.0543% | 2,176 |
| Pretax return on assets | 1.2703% | 2,268 |
| Return on Equity (ROE) | 10.3601% | 1,974 |
| Retained earnings to average equity (ytd only) | 3.2254% | 3,933 |
| Net charge-offs to loans | 0.0745% | 4,167 |
| Credit loss provision to net charge-offs | 141.1765% | 1,652 |
| Earnings coverage of net charge-offs (x) | 25.3922% | 1,333 |
| Efficiency ratio | 69.7642% | 3,876 |
| Assets per employee ($millions) | 3.5758% | 4,741 |
| Cash dividends to net income (ytd only)* | 68.8670% | 1,360 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9772% | 5,678 |
| Loan loss allowance to noncurrent loans | 1,725.6410% | 334 |
| Noncurrent assets plus other real estate owned to assets | 0.2403% | 5,559 |
| Noncurrent loans to loans | 0.0566% | 6,062 |
| Net loans and leases to total assets | 70.6340% | 1,912 |
| Net loans and leases to deposits | 84.4478% | 1,871 |
| Net loans and leases to core deposits | 86.2846% | 2,410 |
| Total domestic deposits to total assets | 83.6422% | 4,301 |
| Equity capital to assets | 10.0687% | 3,672 |
| Core capital (leverage) ratio | 8.8156% | 5,255 |
| Tier 1 risk-based capital ratio | 11.6493% | 5,824 |
| Total risk-based capital ratio | 12.5884% | 5,935 |
| Memoranda: | ||
| Average total assets | $96,275,400 | 4,832 |
| Average earning assets | $86,351,800 | 4,873 |
| Average equity | $9,797,200 | 4,896 |
| Average total loans | $68,426,200 | 4,325 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3480% | 2,798 |
| Cost of funding earning assets | 0.3221% | 5,530 |
| Net interest margin | 4.0259% | 1,855 |
| Noninterest income to average assets | 0.9923% | 1,477 |
| Noninterest expense to average assets | 3.0974% | 2,659 |
| Loan and lease loss provision to assets | 0.0748% | 3,558 |
| Net operating income to assets | 1.1974% | 1,648 |
| Return on assets (ROA) | 1.1974% | 1,718 |
| Pretax return on assets | 1.4233% | 1,856 |
| Return on Equity (ROE) | 11.7353% | 1,566 |
| Retained earnings to average equity (ytd only) | 4.3465% | 3,585 |
| Net charge-offs to loans | 0.0195% | 4,746 |
| Credit loss provision to net charge-offs | 540.0000% | 520 |
| Earnings coverage of net charge-offs (x) | 108.1245% | 470 |
| Efficiency ratio | 67.4005% | 4,209 |
| Assets per employee ($millions) | 3.4601% | 4,926 |
| Cash dividends to net income (ytd only)* | 62.9634% | 1,338 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0062% | 5,681 |
| Loan loss allowance to noncurrent loans | 217.5000% | 1,852 |
| Noncurrent assets plus other real estate owned to assets | 0.5523% | 4,794 |
| Noncurrent loans to loans | 0.4626% | 5,034 |
| Net loans and leases to total assets | 73.2932% | 1,397 |
| Net loans and leases to deposits | 90.7635% | 1,083 |
| Net loans and leases to core deposits | 92.5372% | 1,716 |
| Total domestic deposits to total assets | 80.7519% | 5,287 |
| Equity capital to assets | 10.4087% | 3,381 |
| Core capital (leverage) ratio | 8.9550% | 5,193 |
| Tier 1 risk-based capital ratio | 11.3343% | 6,136 |
| Total risk-based capital ratio | 12.2788% | 6,231 |
| Memoranda: | ||
| Average total assets | $96,207,500 | 4,877 |
| Average earning assets | $86,107,250 | 4,926 |
| Average equity | $9,816,250 | 4,948 |
| Average total loans | $68,315,750 | 4,366 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3110% | 2,907 |
| Cost of funding earning assets | 0.3258% | 5,606 |
| Net interest margin | 3.9852% | 1,915 |
| Noninterest income to average assets | 1.2107% | 1,045 |
| Noninterest expense to average assets | 3.0967% | 2,667 |
| Loan and lease loss provision to assets | 0.0741% | 3,559 |
| Net operating income to assets | 1.3857% | 1,112 |
| Return on assets (ROA) | 1.3857% | 1,194 |
| Pretax return on assets | 1.5916% | 1,392 |
| Return on Equity (ROE) | 13.6691% | 1,079 |
| Retained earnings to average equity (ytd only) | 5.6667% | 2,634 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0238% | 4,708 |
| Assets per employee ($millions) | 3.6906% | 4,420 |
| Cash dividends to net income (ytd only)* | 58.5438% | 1,537 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0208% | 5,733 |
| Loan loss allowance to noncurrent loans | 327.6190% | 1,287 |
| Noncurrent assets plus other real estate owned to assets | 0.3637% | 5,400 |
| Noncurrent loans to loans | 0.3116% | 5,516 |
| Net loans and leases to total assets | 69.5243% | 1,968 |
| Net loans and leases to deposits | 86.0978% | 1,565 |
| Net loans and leases to core deposits | 87.7316% | 2,138 |
| Total domestic deposits to total assets | 80.7504% | 5,407 |
| Equity capital to assets | 10.1548% | 3,719 |
| Core capital (leverage) ratio | 8.6770% | 5,451 |
| Tier 1 risk-based capital ratio | 11.4192% | 6,152 |
| Total risk-based capital ratio | 12.3643% | 6,262 |
| Memoranda: | ||
| Average total assets | $97,136,000 | 4,879 |
| Average earning assets | $86,569,330 | 4,934 |
| Average equity | $9,847,000 | 4,978 |
| Average total loans | $68,031,670 | 4,379 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3088% | 2,862 |
| Cost of funding earning assets | 0.3414% | 5,629 |
| Net interest margin | 3.9674% | 1,897 |
| Noninterest income to average assets | 2.0506% | 421 |
| Noninterest expense to average assets | 3.0330% | 2,887 |
| Loan and lease loss provision to assets | 0.0737% | 3,402 |
| Net operating income to assets | 2.2594% | 214 |
| Return on assets (ROA) | 2.2594% | 242 |
| Pretax return on assets | 2.4640% | 282 |
| Return on Equity (ROE) | 22.3064% | 184 |
| Retained earnings to average equity (ytd only) | 18.7099% | 179 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.4453% | 6,194 |
| Assets per employee ($millions) | 3.8759% | 4,200 |
| Cash dividends to net income (ytd only)* | 16.1232% | 2,368 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0090% | 5,953 |
| Loan loss allowance to noncurrent loans | 317.5355% | 1,255 |
| Noncurrent assets plus other real estate owned to assets | 0.3473% | 5,557 |
| Noncurrent loans to loans | 0.3178% | 5,604 |
| Net loans and leases to total assets | 65.2271% | 2,510 |
| Net loans and leases to deposits | 78.1157% | 2,322 |
| Net loans and leases to core deposits | 79.4748% | 2,869 |
| Total domestic deposits to total assets | 83.5007% | 4,671 |
| Equity capital to assets | 10.0423% | 4,096 |
| Core capital (leverage) ratio | 8.7883% | 5,206 |
| Tier 1 risk-based capital ratio | 12.3115% | 5,711 |
| Total risk-based capital ratio | 13.2820% | 5,854 |
| Memoranda: | ||
| Average total assets | $97,726,500 | 4,914 |
| Average earning assets | $86,707,000 | 4,969 |
| Average equity | $9,898,500 | 5,010 |
| Average total loans | $68,347,500 | 4,408 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8084% | 2,159 |
| Cost of funding earning assets | 0.4617% | 5,484 |
| Net interest margin | 4.3466% | 1,297 |
| Noninterest income to average assets | 0.4547% | 4,218 |
| Noninterest expense to average assets | 3.2069% | 2,584 |
| Loan and lease loss provision to assets | 0.0593% | 5,032 |
| Net operating income to assets | 0.7271% | 3,612 |
| Return on assets (ROA) | 0.7271% | 3,864 |
| Pretax return on assets | 1.0137% | 3,504 |
| Return on Equity (ROE) | 6.9964% | 3,641 |
| Retained earnings to average equity (ytd only) | 3.6039% | 3,672 |
| Net charge-offs to loans | 0.0275% | 5,515 |
| Credit loss provision to net charge-offs | 300.0000% | 807 |
| Earnings coverage of net charge-offs (x) | 54.2778% | 643 |
| Efficiency ratio | 74.9294% | 2,915 |
| Assets per employee ($millions) | 3.6415% | 4,687 |
| Cash dividends to net income (ytd only)* | 48.4894% | 2,395 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9275% | 6,204 |
| Loan loss allowance to noncurrent loans | 229.5775% | 1,640 |
| Noncurrent assets plus other real estate owned to assets | 0.4468% | 5,367 |
| Noncurrent loans to loans | 0.4040% | 5,478 |
| Net loans and leases to total assets | 73.5549% | 1,254 |
| Net loans and leases to deposits | 88.5128% | 1,216 |
| Net loans and leases to core deposits | 90.1560% | 1,818 |
| Total domestic deposits to total assets | 83.1008% | 4,677 |
| Equity capital to assets | 10.2209% | 3,865 |
| Core capital (leverage) ratio | 9.0270% | 4,857 |
| Tier 1 risk-based capital ratio | 10.7735% | 6,440 |
| Total risk-based capital ratio | 11.6481% | 6,558 |
| Memoranda: | ||
| Average total assets | $91,052,600 | 5,057 |
| Average earning assets | $80,131,000 | 5,121 |
| Average equity | $9,462,000 | 5,113 |
| Average total loans | $65,359,600 | 4,532 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7795% | 2,463 |
| Cost of funding earning assets | 0.4719% | 5,623 |
| Net interest margin | 4.3076% | 1,443 |
| Noninterest income to average assets | 0.4644% | 4,184 |
| Noninterest expense to average assets | 3.2184% | 2,503 |
| Loan and lease loss provision to assets | 0.0799% | 4,635 |
| Net operating income to assets | 0.6996% | 3,921 |
| Return on assets (ROA) | 0.6996% | 4,164 |
| Pretax return on assets | 0.9865% | 3,766 |
| Return on Equity (ROE) | 6.7032% | 3,954 |
| Retained earnings to average equity (ytd only) | 3.2453% | 4,586 |
| Net charge-offs to loans | 0.0333% | 5,180 |
| Credit loss provision to net charge-offs | 337.5000% | 786 |
| Earnings coverage of net charge-offs (x) | 45.0684% | 811 |
| Efficiency ratio | 75.1122% | 2,808 |
| Assets per employee ($millions) | 3.4732% | 5,027 |
| Cash dividends to net income (ytd only)* | 51.5865% | 1,630 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9547% | 6,230 |
| Loan loss allowance to noncurrent loans | 248.6692% | 1,462 |
| Noncurrent assets plus other real estate owned to assets | 0.4430% | 5,555 |
| Noncurrent loans to loans | 0.3839% | 5,702 |
| Net loans and leases to total assets | 75.1315% | 1,100 |
| Net loans and leases to deposits | 94.7517% | 734 |
| Net loans and leases to core deposits | 99.1944% | 1,177 |
| Total domestic deposits to total assets | 79.2930% | 5,806 |
| Equity capital to assets | 10.5755% | 3,762 |
| Core capital (leverage) ratio | 9.0473% | 4,990 |
| Tier 1 risk-based capital ratio | 10.7800% | 6,569 |
| Total risk-based capital ratio | 11.6723% | 6,673 |
| Memoranda: | ||
| Average total assets | $90,146,000 | 5,136 |
| Average earning assets | $79,950,500 | 5,184 |
| Average equity | $9,408,250 | 5,176 |
| Average total loans | $64,126,250 | 4,618 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6781% | 3,014 |
| Cost of funding earning assets | 0.5273% | 5,444 |
| Net interest margin | 4.1508% | 1,902 |
| Noninterest income to average assets | 0.4484% | 4,306 |
| Noninterest expense to average assets | 3.1878% | 2,630 |
| Loan and lease loss provision to assets | 0.0799% | 4,605 |
| Net operating income to assets | 0.6060% | 4,345 |
| Return on assets (ROA) | 0.6060% | 4,598 |
| Pretax return on assets | 0.8502% | 4,276 |
| Return on Equity (ROE) | 5.8327% | 4,405 |
| Retained earnings to average equity (ytd only) | 2.3288% | 5,025 |
| Net charge-offs to loans | 0.0511% | 4,689 |
| Credit loss provision to net charge-offs | 225.0000% | 1,262 |
| Earnings coverage of net charge-offs (x) | 26.1875% | 1,176 |
| Efficiency ratio | 77.4124% | 2,539 |
| Assets per employee ($millions) | 3.4912% | 5,008 |
| Cash dividends to net income (ytd only)* | 60.0733% | 1,361 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9830% | 6,223 |
| Loan loss allowance to noncurrent loans | 169.1489% | 1,985 |
| Noncurrent assets plus other real estate owned to assets | 0.6092% | 5,247 |
| Noncurrent loans to loans | 0.5812% | 5,348 |
| Net loans and leases to total assets | 70.5751% | 1,807 |
| Net loans and leases to deposits | 86.3274% | 1,559 |
| Net loans and leases to core deposits | 87.3587% | 2,270 |
| Total domestic deposits to total assets | 81.7528% | 5,217 |
| Equity capital to assets | 10.3470% | 3,888 |
| Core capital (leverage) ratio | 8.8182% | 5,186 |
| Tier 1 risk-based capital ratio | 11.5086% | 6,212 |
| Total risk-based capital ratio | 12.4469% | 6,385 |
| Memoranda: | ||
| Average total assets | $90,093,670 | 5,165 |
| Average earning assets | $79,647,670 | 5,221 |
| Average equity | $9,361,000 | 5,195 |
| Average total loans | $62,668,330 | 4,684 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6990% | 3,061 |
| Cost of funding earning assets | 0.5639% | 5,399 |
| Net interest margin | 4.1352% | 1,981 |
| Noninterest income to average assets | 0.4902% | 3,977 |
| Noninterest expense to average assets | 3.1864% | 2,646 |
| Loan and lease loss provision to assets | 0.0802% | 4,392 |
| Net operating income to assets | 0.6195% | 4,262 |
| Return on assets (ROA) | 0.6195% | 4,471 |
| Pretax return on assets | 0.8512% | 4,223 |
| Return on Equity (ROE) | 5.9494% | 4,321 |
| Retained earnings to average equity (ytd only) | 2.6965% | 4,912 |
| Net charge-offs to loans | 0.0584% | 3,922 |
| Credit loss provision to net charge-offs | 200.0000% | 1,332 |
| Earnings coverage of net charge-offs (x) | 23.2222% | 1,098 |
| Efficiency ratio | 77.3810% | 2,589 |
| Assets per employee ($millions) | 3.5816% | 4,933 |
| Cash dividends to net income (ytd only)* | 54.6763% | 1,338 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0346% | 6,136 |
| Loan loss allowance to noncurrent loans | 285.8447% | 1,172 |
| Noncurrent assets plus other real estate owned to assets | 0.4457% | 5,746 |
| Noncurrent loans to loans | 0.3619% | 5,952 |
| Net loans and leases to total assets | 64.3027% | 2,801 |
| Net loans and leases to deposits | 77.5618% | 2,587 |
| Net loans and leases to core deposits | 78.1938% | 3,299 |
| Total domestic deposits to total assets | 82.9052% | 4,968 |
| Equity capital to assets | 10.0664% | 4,046 |
| Core capital (leverage) ratio | 8.7645% | 5,178 |
| Tier 1 risk-based capital ratio | 12.7002% | 5,444 |
| Total risk-based capital ratio | 13.7254% | 5,588 |
| Memoranda: | ||
| Average total assets | $89,755,500 | 5,215 |
| Average earning assets | $78,739,500 | 5,277 |
| Average equity | $9,345,500 | 5,204 |
| Average total loans | $61,654,000 | 4,748 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6128% | 931 |
| Cost of funding earning assets | 0.7632% | 5,116 |
| Net interest margin | 4.8496% | 572 |
| Noninterest income to average assets | 0.4924% | 3,899 |
| Noninterest expense to average assets | 3.4698% | 2,062 |
| Loan and lease loss provision to assets | 0.0644% | 5,805 |
| Net operating income to assets | 0.8263% | 2,923 |
| Return on assets (ROA) | 0.8263% | 3,090 |
| Pretax return on assets | 1.2091% | 2,426 |
| Return on Equity (ROE) | 7.5937% | 3,105 |
| Retained earnings to average equity (ytd only) | 3.4298% | 3,785 |
| Net charge-offs to loans | 0.0524% | 5,791 |
| Credit loss provision to net charge-offs | 158.8235% | 1,744 |
| Earnings coverage of net charge-offs (x) | 31.4118% | 817 |
| Efficiency ratio | 73.1523% | 3,367 |
| Assets per employee ($millions) | 3.3227% | 5,446 |
| Cash dividends to net income (ytd only)* | 54.8341% | 1,802 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9809% | 6,299 |
| Loan loss allowance to noncurrent loans | 327.6596% | 1,019 |
| Noncurrent assets plus other real estate owned to assets | 0.4862% | 5,755 |
| Noncurrent loans to loans | 0.2994% | 6,121 |
| Net loans and leases to total assets | 71.9837% | 1,648 |
| Net loans and leases to deposits | 87.1477% | 1,495 |
| Net loans and leases to core deposits | 87.9140% | 2,388 |
| Total domestic deposits to total assets | 82.5996% | 4,924 |
| Equity capital to assets | 10.7849% | 3,211 |
| Core capital (leverage) ratio | 9.3292% | 4,283 |
| Tier 1 risk-based capital ratio | 11.7404% | 6,001 |
| Total risk-based capital ratio | 12.6807% | 6,192 |
| Memoranda: | ||
| Average total assets | $83,866,800 | 5,341 |
| Average earning assets | $73,510,600 | 5,417 |
| Average equity | $9,126,000 | 5,245 |
| Average total loans | $64,852,800 | 4,683 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6453% | 947 |
| Cost of funding earning assets | 0.8106% | 5,082 |
| Net interest margin | 4.8347% | 582 |
| Noninterest income to average assets | 0.5094% | 3,800 |
| Noninterest expense to average assets | 3.4952% | 1,955 |
| Loan and lease loss provision to assets | 0.0865% | 5,365 |
| Net operating income to assets | 0.8121% | 3,095 |
| Return on assets (ROA) | 0.8121% | 3,262 |
| Pretax return on assets | 1.1886% | 2,672 |
| Return on Equity (ROE) | 7.4461% | 3,300 |
| Retained earnings to average equity (ytd only) | 3.1871% | 4,432 |
| Net charge-offs to loans | -0.0102% | 6,784 |
| Credit loss provision to net charge-offs | -1,080.0000% | 6,767 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2707% | 3,320 |
| Assets per employee ($millions) | 3.2304% | 5,609 |
| Cash dividends to net income (ytd only)* | 57.1999% | 1,315 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9635% | 6,412 |
| Loan loss allowance to noncurrent loans | 113.5182% | 2,634 |
| Noncurrent assets plus other real estate owned to assets | 0.8073% | 5,154 |
| Noncurrent loans to loans | 0.8487% | 5,172 |
| Net loans and leases to total assets | 83.3703% | 263 |
| Net loans and leases to deposits | 102.0260% | 386 |
| Net loans and leases to core deposits | 103.3906% | 1,013 |
| Total domestic deposits to total assets | 81.7147% | 5,191 |
| Equity capital to assets | 11.4130% | 2,766 |
| Core capital (leverage) ratio | 9.3440% | 4,385 |
| Tier 1 risk-based capital ratio | 10.8848% | 6,612 |
| Total risk-based capital ratio | 11.8237% | 6,732 |
| Memoranda: | ||
| Average total assets | $83,236,250 | 5,400 |
| Average earning assets | $73,357,500 | 5,468 |
| Average equity | $9,078,250 | 5,285 |
| Average total loans | $65,365,500 | 4,703 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5689% | 1,128 |
| Cost of funding earning assets | 0.8551% | 5,026 |
| Net interest margin | 4.7138% | 704 |
| Noninterest income to average assets | 0.4949% | 3,908 |
| Noninterest expense to average assets | 3.4284% | 2,190 |
| Loan and lease loss provision to assets | 0.0857% | 5,237 |
| Net operating income to assets | 0.7732% | 3,185 |
| Return on assets (ROA) | 0.7732% | 3,319 |
| Pretax return on assets | 1.1254% | 2,748 |
| Return on Equity (ROE) | 7.1966% | 3,353 |
| Retained earnings to average equity (ytd only) | 2.4358% | 4,737 |
| Net charge-offs to loans | -0.0155% | 6,772 |
| Credit loss provision to net charge-offs | -720.0000% | 6,543 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8974% | 3,376 |
| Assets per employee ($millions) | 3.3908% | 5,223 |
| Cash dividends to net income (ytd only)* | 66.1538% | 1,146 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9816% | 6,412 |
| Loan loss allowance to noncurrent loans | 108.8889% | 2,650 |
| Noncurrent assets plus other real estate owned to assets | 0.6901% | 5,527 |
| Noncurrent loans to loans | 0.9015% | 5,161 |
| Net loans and leases to total assets | 75.8007% | 1,104 |
| Net loans and leases to deposits | 94.8849% | 813 |
| Net loans and leases to core deposits | 96.2176% | 1,660 |
| Total domestic deposits to total assets | 79.8870% | 5,851 |
| Equity capital to assets | 10.7289% | 3,256 |
| Core capital (leverage) ratio | 8.9610% | 4,784 |
| Tier 1 risk-based capital ratio | 11.1944% | 6,383 |
| Total risk-based capital ratio | 12.1469% | 6,571 |
| Memoranda: | ||
| Average total assets | $84,062,000 | 5,422 |
| Average earning assets | $73,910,670 | 5,497 |
| Average equity | $9,032,000 | 5,317 |
| Average total loans | $64,492,670 | 4,770 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5649% | 1,138 |
| Cost of funding earning assets | 0.8821% | 5,052 |
| Net interest margin | 4.6828% | 739 |
| Noninterest income to average assets | 0.4540% | 4,245 |
| Noninterest expense to average assets | 3.4023% | 2,275 |
| Loan and lease loss provision to assets | 0.0860% | 4,930 |
| Net operating income to assets | 0.7407% | 3,321 |
| Return on assets (ROA) | 0.7407% | 3,384 |
| Pretax return on assets | 1.0752% | 2,851 |
| Return on Equity (ROE) | 6.8885% | 3,441 |
| Retained earnings to average equity (ytd only) | 2.6665% | 4,566 |
| Net charge-offs to loans | 0.0124% | 4,907 |
| Credit loss provision to net charge-offs | 900.0000% | 420 |
| Earnings coverage of net charge-offs (x) | 121.5000% | 266 |
| Efficiency ratio | 74.5550% | 3,417 |
| Assets per employee ($millions) | 3.4582% | 5,099 |
| Cash dividends to net income (ytd only)* | 61.2903% | 1,213 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9594% | 6,515 |
| Loan loss allowance to noncurrent loans | 104.7945% | 2,745 |
| Noncurrent assets plus other real estate owned to assets | 0.6755% | 5,602 |
| Noncurrent loans to loans | 0.9155% | 5,208 |
| Net loans and leases to total assets | 73.0727% | 1,502 |
| Net loans and leases to deposits | 88.9250% | 1,359 |
| Net loans and leases to core deposits | 89.7908% | 2,376 |
| Total domestic deposits to total assets | 82.1734% | 5,240 |
| Equity capital to assets | 10.4517% | 3,237 |
| Core capital (leverage) ratio | 8.9695% | 4,661 |
| Tier 1 risk-based capital ratio | 11.4247% | 6,157 |
| Total risk-based capital ratio | 12.3650% | 6,396 |
| Memoranda: | ||
| Average total assets | $83,707,500 | 5,476 |
| Average earning assets | $73,460,500 | 5,555 |
| Average equity | $9,000,500 | 5,330 |
| Average total loans | $64,292,000 | 4,828 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1830% | 590 |
| Cost of funding earning assets | 1.3532% | 3,548 |
| Net interest margin | 4.8298% | 632 |
| Noninterest income to average assets | 0.5292% | 3,961 |
| Noninterest expense to average assets | 3.3873% | 2,470 |
| Loan and lease loss provision to assets | 0.0882% | 6,268 |
| Net operating income to assets | 0.9139% | 2,333 |
| Return on assets (ROA) | 0.9139% | 2,464 |
| Pretax return on assets | 1.3255% | 1,868 |
| Return on Equity (ROE) | 8.5785% | 2,470 |
| Retained earnings to average equity (ytd only) | 6.7616% | 1,422 |
| Net charge-offs to loans | 0.0150% | 6,677 |
| Credit loss provision to net charge-offs | 720.0000% | 299 |
| Earnings coverage of net charge-offs (x) | 115.4000% | 223 |
| Efficiency ratio | 70.5537% | 4,060 |
| Assets per employee ($millions) | 3.2384% | 5,568 |
| Cash dividends to net income (ytd only)* | 21.1796% | 3,400 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9198% | 6,667 |
| Loan loss allowance to noncurrent loans | 98.0263% | 2,937 |
| Noncurrent assets plus other real estate owned to assets | 0.8436% | 5,318 |
| Noncurrent loans to loans | 0.9383% | 5,170 |
| Net loans and leases to total assets | 79.2997% | 755 |
| Net loans and leases to deposits | 96.4486% | 832 |
| Net loans and leases to core deposits | 98.1997% | 1,780 |
| Total domestic deposits to total assets | 82.2196% | 5,117 |
| Equity capital to assets | 11.0734% | 2,624 |
| Core capital (leverage) ratio | 9.2759% | 4,053 |
| Tier 1 risk-based capital ratio | 11.1501% | 6,214 |
| Total risk-based capital ratio | 12.0509% | 6,450 |
| Memoranda: | ||
| Average total assets | $81,629,000 | 5,547 |
| Average earning assets | $72,197,400 | 5,594 |
| Average equity | $8,696,200 | 5,502 |
| Average total loans | $66,484,400 | 4,808 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2029% | 615 |
| Cost of funding earning assets | 1.4275% | 3,407 |
| Net interest margin | 4.7754% | 710 |
| Noninterest income to average assets | 0.5363% | 3,901 |
| Noninterest expense to average assets | 3.3660% | 2,383 |
| Loan and lease loss provision to assets | 0.0880% | 6,169 |
| Net operating income to assets | 0.9161% | 2,547 |
| Return on assets (ROA) | 0.9161% | 2,690 |
| Pretax return on assets | 1.3301% | 2,091 |
| Return on Equity (ROE) | 8.6836% | 2,613 |
| Retained earnings to average equity (ytd only) | 7.6330% | 1,545 |
| Net charge-offs to loans | 0.0159% | 6,456 |
| Credit loss provision to net charge-offs | 675.0000% | 436 |
| Earnings coverage of net charge-offs (x) | 108.7132% | 292 |
| Efficiency ratio | 70.3578% | 3,993 |
| Assets per employee ($millions) | 3.3659% | 5,285 |
| Cash dividends to net income (ytd only)* | 12.0991% | 3,255 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8716% | 6,833 |
| Loan loss allowance to noncurrent loans | 81.8054% | 3,317 |
| Noncurrent assets plus other real estate owned to assets | 0.8777% | 5,342 |
| Noncurrent loans to loans | 1.0655% | 5,110 |
| Net loans and leases to total assets | 81.6541% | 543 |
| Net loans and leases to deposits | 106.8091% | 331 |
| Net loans and leases to core deposits | 109.2232% | 1,081 |
| Total domestic deposits to total assets | 76.4487% | 6,579 |
| Equity capital to assets | 11.0162% | 2,946 |
| Core capital (leverage) ratio | 9.1607% | 4,444 |
| Tier 1 risk-based capital ratio | 10.8434% | 6,510 |
| Total risk-based capital ratio | 11.7070% | 6,798 |
| Memoranda: | ||
| Average total assets | $81,796,250 | 5,607 |
| Average earning assets | $72,760,250 | 5,643 |
| Average equity | $8,629,000 | 5,592 |
| Average total loans | $66,906,250 | 4,870 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1538% | 684 |
| Cost of funding earning assets | 1.4591% | 3,505 |
| Net interest margin | 4.6948% | 822 |
| Noninterest income to average assets | 0.5089% | 4,040 |
| Noninterest expense to average assets | 3.3701% | 2,342 |
| Loan and lease loss provision to assets | 0.0877% | 6,050 |
| Net operating income to assets | 0.8401% | 2,779 |
| Return on assets (ROA) | 0.8401% | 2,936 |
| Pretax return on assets | 1.2273% | 2,326 |
| Return on Equity (ROE) | 8.0806% | 2,856 |
| Retained earnings to average equity (ytd only) | 6.7221% | 1,961 |
| Net charge-offs to loans | -0.0090% | 7,180 |
| Credit loss provision to net charge-offs | -1,200.0000% | 6,921 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9335% | 3,825 |
| Assets per employee ($millions) | 3.4119% | 5,152 |
| Cash dividends to net income (ytd only)* | 16.8116% | 2,993 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8451% | 6,923 |
| Loan loss allowance to noncurrent loans | 79.6940% | 3,401 |
| Noncurrent assets plus other real estate owned to assets | 0.8781% | 5,362 |
| Noncurrent loans to loans | 1.0604% | 5,194 |
| Net loans and leases to total assets | 82.1054% | 518 |
| Net loans and leases to deposits | 110.2887% | 266 |
| Net loans and leases to core deposits | 111.8706% | 1,042 |
| Total domestic deposits to total assets | 74.4459% | 6,918 |
| Equity capital to assets | 10.5953% | 3,285 |
| Core capital (leverage) ratio | 8.8500% | 4,835 |
| Tier 1 risk-based capital ratio | 10.3447% | 6,803 |
| Total risk-based capital ratio | 11.1824% | 7,038 |
| Memoranda: | ||
| Average total assets | $82,134,670 | 5,623 |
| Average earning assets | $73,060,330 | 5,672 |
| Average equity | $8,539,000 | 5,623 |
| Average total loans | $67,028,000 | 4,903 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0551% | 875 |
| Cost of funding earning assets | 1.5015% | 3,545 |
| Net interest margin | 4.5536% | 1,041 |
| Noninterest income to average assets | 0.5009% | 4,044 |
| Noninterest expense to average assets | 3.3601% | 2,346 |
| Loan and lease loss provision to assets | 0.0875% | 5,763 |
| Net operating income to assets | 0.8072% | 2,933 |
| Return on assets (ROA) | 0.8072% | 3,028 |
| Pretax return on assets | 1.1087% | 2,704 |
| Return on Equity (ROE) | 7.8390% | 2,965 |
| Retained earnings to average equity (ytd only) | 7.8390% | 1,774 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7460% | 3,612 |
| Assets per employee ($millions) | 3.3687% | 5,374 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8431% | 7,018 |
| Loan loss allowance to noncurrent loans | 65.4028% | 4,091 |
| Noncurrent assets plus other real estate owned to assets | 1.0439% | 5,056 |
| Noncurrent loans to loans | 1.2891% | 4,825 |
| Net loans and leases to total assets | 80.3003% | 801 |
| Net loans and leases to deposits | 105.2152% | 465 |
| Net loans and leases to core deposits | 106.7006% | 1,519 |
| Total domestic deposits to total assets | 76.3201% | 6,697 |
| Equity capital to assets | 10.5815% | 3,164 |
| Core capital (leverage) ratio | 8.7578% | 4,927 |
| Tier 1 risk-based capital ratio | 10.5242% | 6,609 |
| Total risk-based capital ratio | 11.3594% | 6,946 |
| Memoranda: | ||
| Average total assets | $82,259,500 | 5,693 |
| Average earning assets | $73,260,000 | 5,736 |
| Average equity | $8,470,500 | 5,696 |
| Average total loans | $66,639,500 | 4,983 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2668% | 1,085 |
| Cost of funding earning assets | 2.1589% | 2,196 |
| Net interest margin | 4.1079% | 2,416 |
| Noninterest income to average assets | 0.5525% | 4,001 |
| Noninterest expense to average assets | 3.4139% | 2,629 |
| Loan and lease loss provision to assets | 0.0837% | 6,772 |
| Net operating income to assets | 0.5025% | 3,715 |
| Return on assets (ROA) | 0.5025% | 3,814 |
| Pretax return on assets | 0.6735% | 3,669 |
| Return on Equity (ROE) | 5.2525% | 3,560 |
| Retained earnings to average equity (ytd only) | 3.7327% | 2,591 |
| Net charge-offs to loans | 0.0220% | 6,925 |
| Credit loss provision to net charge-offs | 480.0000% | 634 |
| Earnings coverage of net charge-offs (x) | 43.4000% | 575 |
| Efficiency ratio | 81.8461% | 2,625 |
| Assets per employee ($millions) | 3.0989% | 5,995 |
| Cash dividends to net income (ytd only)* | 28.9352% | 3,371 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7861% | 7,175 |
| Loan loss allowance to noncurrent loans | 71.0667% | 3,867 |
| Noncurrent assets plus other real estate owned to assets | 0.8964% | 5,308 |
| Noncurrent loans to loans | 1.1061% | 5,115 |
| Net loans and leases to total assets | 80.4016% | 925 |
| Net loans and leases to deposits | 105.7005% | 569 |
| Net loans and leases to core deposits | 124.4925% | 1,606 |
| Total domestic deposits to total assets | 76.0655% | 6,667 |
| Equity capital to assets | 10.0227% | 3,723 |
| Core capital (leverage) ratio | 8.4408% | 5,372 |
| Tier 1 risk-based capital ratio | 10.1436% | 6,747 |
| Total risk-based capital ratio | 10.9400% | 7,079 |
| Memoranda: | ||
| Average total assets | $85,971,600 | 5,526 |
| Average earning assets | $75,732,800 | 5,611 |
| Average equity | $8,224,600 | 5,858 |
| Average total loans | $68,218,600 | 4,931 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2537% | 1,234 |
| Cost of funding earning assets | 2.3039% | 1,973 |
| Net interest margin | 3.9498% | 3,037 |
| Noninterest income to average assets | 0.6070% | 3,643 |
| Noninterest expense to average assets | 3.4262% | 2,495 |
| Loan and lease loss provision to assets | 0.0832% | 6,537 |
| Net operating income to assets | 0.4206% | 4,317 |
| Return on assets (ROA) | 0.4206% | 4,422 |
| Pretax return on assets | 0.5654% | 4,317 |
| Return on Equity (ROE) | 4.4474% | 4,187 |
| Retained earnings to average equity (ytd only) | 3.3886% | 3,406 |
| Net charge-offs to loans | 0.0039% | 6,928 |
| Credit loss provision to net charge-offs | 2,700.0000% | 149 |
| Earnings coverage of net charge-offs (x) | 210.2322% | 180 |
| Efficiency ratio | 84.0832% | 2,288 |
| Assets per employee ($millions) | 3.1818% | 5,694 |
| Cash dividends to net income (ytd only)* | 23.8083% | 3,101 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7593% | 7,235 |
| Loan loss allowance to noncurrent loans | 72.1692% | 3,732 |
| Noncurrent assets plus other real estate owned to assets | 0.8860% | 5,307 |
| Noncurrent loans to loans | 1.0522% | 5,217 |
| Net loans and leases to total assets | 83.5725% | 596 |
| Net loans and leases to deposits | 111.7023% | 404 |
| Net loans and leases to core deposits | 134.9252% | 1,155 |
| Total domestic deposits to total assets | 74.8172% | 6,808 |
| Equity capital to assets | 10.0257% | 4,057 |
| Core capital (leverage) ratio | 8.0850% | 6,212 |
| Tier 1 risk-based capital ratio | 9.6916% | 7,245 |
| Total risk-based capital ratio | 10.4579% | 7,535 |
| Memoranda: | ||
| Average total assets | $86,547,000 | 5,535 |
| Average earning assets | $75,985,000 | 5,629 |
| Average equity | $8,184,250 | 5,920 |
| Average total loans | $68,322,000 | 4,978 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1496% | 1,617 |
| Cost of funding earning assets | 2.4118% | 1,921 |
| Net interest margin | 3.7378% | 3,801 |
| Noninterest income to average assets | 0.5853% | 3,802 |
| Noninterest expense to average assets | 3.1291% | 3,585 |
| Loan and lease loss provision to assets | 0.0820% | 6,363 |
| Net operating income to assets | 0.4646% | 4,239 |
| Return on assets (ROA) | 0.4646% | 4,350 |
| Pretax return on assets | 0.6354% | 4,217 |
| Return on Equity (ROE) | 5.0076% | 4,071 |
| Retained earnings to average equity (ytd only) | 4.1484% | 2,983 |
| Net charge-offs to loans | 0.0059% | 6,520 |
| Credit loss provision to net charge-offs | 1,800.0000% | 293 |
| Earnings coverage of net charge-offs (x) | 157.5000% | 259 |
| Efficiency ratio | 81.3499% | 2,830 |
| Assets per employee ($millions) | 3.2951% | 5,333 |
| Cash dividends to net income (ytd only)* | 17.1569% | 3,225 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7446% | 7,317 |
| Loan loss allowance to noncurrent loans | 50.7448% | 4,976 |
| Noncurrent assets plus other real estate owned to assets | 1.1754% | 4,590 |
| Noncurrent loans to loans | 1.4674% | 4,291 |
| Net loans and leases to total assets | 79.5056% | 1,400 |
| Net loans and leases to deposits | 107.9478% | 654 |
| Net loans and leases to core deposits | 132.7293% | 1,384 |
| Total domestic deposits to total assets | 73.6518% | 7,004 |
| Equity capital to assets | 9.5994% | 4,488 |
| Core capital (leverage) ratio | 7.7603% | 6,662 |
| Tier 1 risk-based capital ratio | 9.8485% | 7,084 |
| Total risk-based capital ratio | 10.6052% | 7,488 |
| Memoranda: | ||
| Average total assets | $87,820,330 | 5,530 |
| Average earning assets | $76,623,330 | 5,651 |
| Average equity | $8,147,670 | 5,970 |
| Average total loans | $67,874,000 | 5,034 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2232% | 1,523 |
| Cost of funding earning assets | 2.5207% | 1,842 |
| Net interest margin | 3.7026% | 3,882 |
| Noninterest income to average assets | 0.5895% | 3,632 |
| Noninterest expense to average assets | 3.0643% | 3,505 |
| Loan and lease loss provision to assets | 0.0810% | 5,930 |
| Net operating income to assets | 0.4320% | 4,733 |
| Return on assets (ROA) | 0.4320% | 4,910 |
| Pretax return on assets | 0.6300% | 4,659 |
| Return on Equity (ROE) | 4.7352% | 4,586 |
| Retained earnings to average equity (ytd only) | 4.7352% | 3,274 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.1681% | 2,655 |
| Assets per employee ($millions) | 3.4153% | 5,033 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7486% | 7,312 |
| Loan loss allowance to noncurrent loans | 68.7500% | 4,143 |
| Noncurrent assets plus other real estate owned to assets | 0.8108% | 5,151 |
| Noncurrent loans to loans | 1.0888% | 4,806 |
| Net loans and leases to total assets | 73.9104% | 2,781 |
| Net loans and leases to deposits | 99.3777% | 1,494 |
| Net loans and leases to core deposits | 123.5082% | 2,111 |
| Total domestic deposits to total assets | 74.3733% | 6,825 |
| Equity capital to assets | 9.1905% | 5,097 |
| Core capital (leverage) ratio | 7.6544% | 6,945 |
| Tier 1 risk-based capital ratio | 9.8520% | 7,085 |
| Total risk-based capital ratio | 10.5934% | 7,518 |
| Memoranda: | ||
| Average total assets | $88,894,500 | 5,524 |
| Average earning assets | $76,487,500 | 5,675 |
| Average equity | $8,109,500 | 6,017 |
| Average total loans | $67,498,500 | 5,075 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9407% | 1,282 |
| Cost of funding earning assets | 3.0938% | 1,520 |
| Net interest margin | 3.8469% | 3,804 |
| Noninterest income to average assets | 0.6013% | 3,837 |
| Noninterest expense to average assets | 3.2782% | 3,044 |
| Loan and lease loss provision to assets | 0.3368% | 3,698 |
| Net operating income to assets | 0.3413% | 5,392 |
| Return on assets (ROA) | 0.3413% | 5,212 |
| Pretax return on assets | 0.3505% | 5,393 |
| Return on Equity (ROE) | 3.7659% | 4,912 |
| Retained earnings to average equity (ytd only) | 1.6176% | 4,240 |
| Net charge-offs to loans | 0.6882% | 1,785 |
| Credit loss provision to net charge-offs | 61.6352% | 6,212 |
| Earnings coverage of net charge-offs (x) | 1.2579% | 5,503 |
| Efficiency ratio | 82.6690% | 2,221 |
| Assets per employee ($millions) | 3.2960% | 5,223 |
| Cash dividends to net income (ytd only)* | 57.0470% | 2,798 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6926% | 7,452 |
| Loan loss allowance to noncurrent loans | 66.3421% | 4,703 |
| Noncurrent assets plus other real estate owned to assets | 0.8585% | 4,702 |
| Noncurrent loans to loans | 1.0440% | 4,492 |
| Net loans and leases to total assets | 76.8550% | 2,412 |
| Net loans and leases to deposits | 104.4486% | 1,298 |
| Net loans and leases to core deposits | 131.6510% | 1,749 |
| Total domestic deposits to total assets | 73.5816% | 6,721 |
| Equity capital to assets | 9.0548% | 5,299 |
| Core capital (leverage) ratio | 7.5276% | 7,176 |
| Tier 1 risk-based capital ratio | 9.4828% | 7,325 |
| Total risk-based capital ratio | 10.1811% | 7,842 |
| Memoranda: | ||
| Average total assets | $87,304,000 | 5,440 |
| Average earning assets | $76,346,400 | 5,574 |
| Average equity | $7,913,200 | 6,120 |
| Average total loans | $69,315,800 | 4,897 |