Home > Bank of Elgin > Performance and Condition Ratios
Bank of Elgin, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4181% | 2,264 |
| Cost of funding earning assets | 1.2480% | 3,679 |
| Net interest margin | 4.1701% | 1,004 |
| Noninterest income to average assets | 0.3400% | 2,607 |
| Noninterest expense to average assets | 2.2891% | 2,868 |
| Loan and lease loss provision to assets | 0.0700% | 1,663 |
| Net operating income to assets | 1.9510% | 492 |
| Return on assets (ROA) | 1.9510% | 495 |
| Pretax return on assets | 1.9510% | 759 |
| Return on Equity (ROE) | 14.7300% | 1,128 |
| Retained earnings to average equity (ytd only) | -27.9294% | 4,420 |
| Net charge-offs to loans | 0.0000% | 2,326 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 53.0795% | 3,669 |
| Assets per employee ($millions) | 7.7545% | 1,722 |
| Cash dividends to net income (ytd only)* | 289.6040% | 78 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3021% | 1,694 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,773 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,816 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 65.9800% | 2,293 |
| Net loans and leases to deposits | 79.5065% | 2,100 |
| Net loans and leases to core deposits | 82.8553% | 2,529 |
| Total domestic deposits to total assets | 82.9900% | 3,122 |
| Equity capital to assets | 13.7585% | 741 |
| Core capital (leverage) ratio | 12.9640% | 1,095 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $82,829,000 | 3,921 |
| Average earning assets | $78,847,500 | 3,884 |
| Average equity | $10,970,500 | 3,705 |
| Average total loans | $55,922,500 | 3,744 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1938% | 2,740 |
| Cost of funding earning assets | 1.2837% | 3,697 |
| Net interest margin | 3.9101% | 1,337 |
| Noninterest income to average assets | 0.4900% | 1,987 |
| Noninterest expense to average assets | 2.0799% | 3,426 |
| Loan and lease loss provision to assets | 0.0000% | 3,171 |
| Net operating income to assets | 2.1350% | 324 |
| Return on assets (ROA) | 2.1350% | 326 |
| Pretax return on assets | 2.1350% | 474 |
| Return on Equity (ROE) | 16.4600% | 731 |
| Retained earnings to average equity (ytd only) | 10.4819% | 510 |
| Net charge-offs to loans | 0.0000% | 3,099 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 49.3469% | 4,017 |
| Assets per employee ($millions) | 8.8113% | 1,135 |
| Cash dividends to net income (ytd only)* | 36.3324% | 2,314 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0999% | 2,689 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,770 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,816 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 67.3500% | 2,220 |
| Net loans and leases to deposits | 85.6772% | 1,621 |
| Net loans and leases to core deposits | 90.0000% | 2,109 |
| Total domestic deposits to total assets | 78.6100% | 3,708 |
| Equity capital to assets | 12.7927% | 947 |
| Core capital (leverage) ratio | 13.8224% | 826 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $81,734,400 | 3,930 |
| Average earning assets | $77,900,400 | 3,894 |
| Average equity | $10,599,200 | 3,713 |
| Average total loans | $51,795,600 | 3,786 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1683% | 2,734 |
| Cost of funding earning assets | 1.3065% | 3,660 |
| Net interest margin | 3.8618% | 1,365 |
| Noninterest income to average assets | 0.4300% | 2,252 |
| Noninterest expense to average assets | 1.9965% | 3,580 |
| Loan and lease loss provision to assets | 0.0000% | 3,009 |
| Net operating income to assets | 2.1129% | 360 |
| Return on assets (ROA) | 2.1129% | 363 |
| Pretax return on assets | 2.1129% | 539 |
| Return on Equity (ROE) | 16.2300% | 790 |
| Retained earnings to average equity (ytd only) | 8.4106% | 1,270 |
| Net charge-offs to loans | 0.0000% | 2,849 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 48.5830% | 4,066 |
| Assets per employee ($millions) | 10.0176% | 766 |
| Cash dividends to net income (ytd only)* | 48.1890% | 1,436 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2807% | 1,805 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,813 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,861 |
| Noncurrent loans to loans | 0.0000% | 3,830 |
| Net loans and leases to total assets | 63.4800% | 2,586 |
| Net loans and leases to deposits | 78.8552% | 2,280 |
| Net loans and leases to core deposits | 83.7807% | 2,588 |
| Total domestic deposits to total assets | 80.5000% | 3,387 |
| Equity capital to assets | 14.0053% | 737 |
| Core capital (leverage) ratio | 13.5222% | 939 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $80,139,750 | 3,967 |
| Average earning assets | $76,438,500 | 3,932 |
| Average equity | $10,431,000 | 3,738 |
| Average total loans | $49,743,000 | 3,826 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9827% | 2,981 |
| Cost of funding earning assets | 1.1418% | 3,868 |
| Net interest margin | 3.8409% | 1,355 |
| Noninterest income to average assets | 0.3200% | 2,866 |
| Noninterest expense to average assets | 1.9940% | 3,574 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 1.9965% | 435 |
| Return on assets (ROA) | 1.9965% | 435 |
| Pretax return on assets | 1.9965% | 644 |
| Return on Equity (ROE) | 15.7400% | 871 |
| Retained earnings to average equity (ytd only) | 4.1311% | 2,672 |
| Net charge-offs to loans | 0.0000% | 2,619 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 49.9687% | 4,008 |
| Assets per employee ($millions) | 9.8305% | 767 |
| Cash dividends to net income (ytd only)* | 73.7500% | 760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3200% | 1,654 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,808 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,854 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 62.7400% | 2,677 |
| Net loans and leases to deposits | 76.6653% | 2,497 |
| Net loans and leases to core deposits | 80.4346% | 2,786 |
| Total domestic deposits to total assets | 81.8400% | 3,123 |
| Equity capital to assets | 13.1288% | 843 |
| Core capital (leverage) ratio | 13.4846% | 932 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $80,139,333 | 3,982 |
| Average earning assets | $76,544,667 | 3,938 |
| Average equity | $10,166,667 | 3,751 |
| Average total loans | $49,145,667 | 3,845 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8610% | 3,053 |
| Cost of funding earning assets | 1.0986% | 3,887 |
| Net interest margin | 3.7623% | 1,424 |
| Noninterest income to average assets | 0.3400% | 2,684 |
| Noninterest expense to average assets | 1.9781% | 3,633 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 1.9484% | 478 |
| Return on assets (ROA) | 1.9484% | 486 |
| Pretax return on assets | 1.9484% | 679 |
| Return on Equity (ROE) | 15.6200% | 895 |
| Retained earnings to average equity (ytd only) | -6.0273% | 4,179 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 50.3778% | 4,005 |
| Assets per employee ($millions) | 9.4344% | 880 |
| Cash dividends to net income (ytd only)* | 138.5787% | 332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4524% | 1,215 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,825 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,894 |
| Noncurrent loans to loans | 0.0000% | 3,844 |
| Net loans and leases to total assets | 59.3300% | 2,924 |
| Net loans and leases to deposits | 68.4735% | 3,008 |
| Net loans and leases to core deposits | 71.4632% | 3,254 |
| Total domestic deposits to total assets | 86.6500% | 1,889 |
| Equity capital to assets | 13.1408% | 831 |
| Core capital (leverage) ratio | 12.8162% | 1,102 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $80,887,000 | 3,996 |
| Average earning assets | $77,186,500 | 3,954 |
| Average equity | $10,087,500 | 3,772 |
| Average total loans | $48,718,000 | 3,871 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5321% | 3,041 |
| Cost of funding earning assets | 0.7174% | 3,903 |
| Net interest margin | 3.8147% | 1,545 |
| Noninterest income to average assets | 0.5000% | 1,995 |
| Noninterest expense to average assets | 2.1687% | 3,204 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.9427% | 505 |
| Return on assets (ROA) | 1.9427% | 482 |
| Pretax return on assets | 1.9427% | 730 |
| Return on Equity (ROE) | 15.7600% | 1,147 |
| Retained earnings to average equity (ytd only) | 3.0658% | 3,256 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 52.7479% | 3,771 |
| Assets per employee ($millions) | 10.7874% | 566 |
| Cash dividends to net income (ytd only)* | 80.5481% | 570 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2694% | 1,922 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 59.4900% | 2,888 |
| Net loans and leases to deposits | 69.4148% | 2,924 |
| Net loans and leases to core deposits | 72.4835% | 3,158 |
| Total domestic deposits to total assets | 85.7000% | 2,109 |
| Equity capital to assets | 11.8854% | 1,174 |
| Core capital (leverage) ratio | 12.9951% | 1,063 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $77,006,000 | 4,045 |
| Average earning assets | $72,902,600 | 4,003 |
| Average equity | $9,491,800 | 3,772 |
| Average total loans | $43,898,600 | 3,937 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4901% | 2,940 |
| Cost of funding earning assets | 0.6498% | 3,867 |
| Net interest margin | 3.8403% | 1,515 |
| Noninterest income to average assets | 0.4300% | 2,306 |
| Noninterest expense to average assets | 2.2013% | 3,070 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.8567% | 594 |
| Return on assets (ROA) | 1.8567% | 585 |
| Pretax return on assets | 1.8567% | 917 |
| Return on Equity (ROE) | 14.9100% | 1,458 |
| Retained earnings to average equity (ytd only) | 3.3689% | 3,424 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 54.2455% | 3,569 |
| Assets per employee ($millions) | 9.1584% | 881 |
| Cash dividends to net income (ytd only)* | 77.4038% | 509 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4998% | 1,118 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 59.1600% | 2,920 |
| Net loans and leases to deposits | 68.3034% | 2,960 |
| Net loans and leases to core deposits | 71.8184% | 3,111 |
| Total domestic deposits to total assets | 86.6200% | 2,009 |
| Equity capital to assets | 12.9854% | 818 |
| Core capital (leverage) ratio | 13.8843% | 851 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $74,682,750 | 4,087 |
| Average earning assets | $70,583,750 | 4,049 |
| Average equity | $9,300,500 | 3,788 |
| Average total loans | $41,874,500 | 3,976 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3550% | 2,993 |
| Cost of funding earning assets | 0.5539% | 3,872 |
| Net interest margin | 3.8011% | 1,623 |
| Noninterest income to average assets | 0.3300% | 2,899 |
| Noninterest expense to average assets | 2.2620% | 2,911 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.6659% | 841 |
| Return on assets (ROA) | 1.6659% | 846 |
| Pretax return on assets | 1.6659% | 1,286 |
| Return on Equity (ROE) | 13.5700% | 1,777 |
| Retained earnings to average equity (ytd only) | -3.8789% | 4,383 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 57.5881% | 3,246 |
| Assets per employee ($millions) | 9.1473% | 864 |
| Cash dividends to net income (ytd only)* | 128.5942% | 167 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6450% | 847 |
| Loan loss allowance to noncurrent loans | 3,473.6842% | 360 |
| Noncurrent assets plus other real estate owned to assets | 0.0260% | 3,533 |
| Noncurrent loans to loans | 0.0474% | 3,378 |
| Net loans and leases to total assets | 53.9300% | 3,274 |
| Net loans and leases to deposits | 61.9381% | 3,311 |
| Net loans and leases to core deposits | 63.9859% | 3,452 |
| Total domestic deposits to total assets | 87.0600% | 1,912 |
| Equity capital to assets | 12.6910% | 890 |
| Core capital (leverage) ratio | 13.0533% | 1,018 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $75,154,667 | 4,099 |
| Average earning assets | $71,137,000 | 4,063 |
| Average equity | $9,229,333 | 3,823 |
| Average total loans | $41,164,000 | 3,997 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2335% | 2,969 |
| Cost of funding earning assets | 0.4451% | 3,849 |
| Net interest margin | 3.7885% | 1,715 |
| Noninterest income to average assets | 0.4000% | 2,397 |
| Noninterest expense to average assets | 2.4848% | 2,288 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.4919% | 1,204 |
| Return on assets (ROA) | 1.4919% | 1,184 |
| Pretax return on assets | 1.4919% | 1,691 |
| Return on Equity (ROE) | 12.3500% | 2,130 |
| Retained earnings to average equity (ytd only) | -22.6509% | 4,610 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 62.4835% | 2,633 |
| Assets per employee ($millions) | 9.4901% | 805 |
| Cash dividends to net income (ytd only)* | 283.4507% | 68 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7177% | 777 |
| Loan loss allowance to noncurrent loans | 6,000.0000% | 258 |
| Noncurrent assets plus other real estate owned to assets | 0.0145% | 3,705 |
| Noncurrent loans to loans | 0.0286% | 3,557 |
| Net loans and leases to total assets | 49.7400% | 3,514 |
| Net loans and leases to deposits | 56.5230% | 3,541 |
| Net loans and leases to core deposits | 57.4037% | 3,665 |
| Total domestic deposits to total assets | 88.0000% | 1,928 |
| Equity capital to assets | 11.8689% | 1,037 |
| Core capital (leverage) ratio | 12.2876% | 1,208 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $76,143,000 | 4,147 |
| Average earning assets | $71,902,000 | 4,111 |
| Average equity | $9,200,500 | 3,870 |
| Average total loans | $41,685,000 | 4,039 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1980% | 3,821 |
| Cost of funding earning assets | 0.1888% | 3,847 |
| Net interest margin | 3.0092% | 3,430 |
| Noninterest income to average assets | 0.4800% | 2,209 |
| Noninterest expense to average assets | 1.7711% | 4,064 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.5567% | 768 |
| Return on assets (ROA) | 1.5567% | 731 |
| Pretax return on assets | 1.5567% | 1,276 |
| Return on Equity (ROE) | 12.5200% | 1,968 |
| Retained earnings to average equity (ytd only) | 3.2410% | 3,648 |
| Net charge-offs to loans | -0.0024% | 3,479 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 53.2212% | 3,856 |
| Assets per employee ($millions) | 9.5456% | 772 |
| Cash dividends to net income (ytd only)* | 74.1228% | 570 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4684% | 1,295 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 57.9900% | 2,824 |
| Net loans and leases to deposits | 66.5410% | 2,853 |
| Net loans and leases to core deposits | 67.3188% | 3,048 |
| Total domestic deposits to total assets | 87.1600% | 2,340 |
| Equity capital to assets | 12.2962% | 852 |
| Core capital (leverage) ratio | 13.3771% | 848 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $73,232,600 | 4,205 |
| Average earning assets | $69,387,600 | 4,165 |
| Average equity | $9,102,000 | 3,983 |
| Average total loans | $41,470,400 | 4,041 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9447% | 3,994 |
| Cost of funding earning assets | 0.1669% | 3,656 |
| Net interest margin | 2.7778% | 3,781 |
| Noninterest income to average assets | 0.4200% | 2,617 |
| Noninterest expense to average assets | 1.8550% | 3,857 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.1944% | 1,713 |
| Return on assets (ROA) | 1.1944% | 1,689 |
| Pretax return on assets | 1.1944% | 2,390 |
| Return on Equity (ROE) | 9.5800% | 2,850 |
| Retained earnings to average equity (ytd only) | -2.8940% | 4,535 |
| Net charge-offs to loans | -0.0033% | 3,377 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 60.8328% | 3,010 |
| Assets per employee ($millions) | 9.1033% | 859 |
| Cash dividends to net income (ytd only)* | 130.2003% | 108 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6701% | 924 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 53.3600% | 3,154 |
| Net loans and leases to deposits | 61.7558% | 3,035 |
| Net loans and leases to core deposits | 62.5189% | 3,214 |
| Total domestic deposits to total assets | 86.4000% | 2,960 |
| Equity capital to assets | 12.0067% | 886 |
| Core capital (leverage) ratio | 13.0677% | 888 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $72,449,500 | 4,241 |
| Average earning assets | $68,685,500 | 4,206 |
| Average equity | $9,030,000 | 4,033 |
| Average total loans | $40,601,250 | 4,077 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7260% | 4,102 |
| Cost of funding earning assets | 0.1597% | 3,449 |
| Net interest margin | 2.5663% | 3,965 |
| Noninterest income to average assets | 0.2959% | 3,391 |
| Noninterest expense to average assets | 1.8749% | 3,767 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.8655% | 2,708 |
| Return on assets (ROA) | 0.8655% | 2,684 |
| Pretax return on assets | 0.8655% | 3,160 |
| Return on Equity (ROE) | 6.8600% | 3,344 |
| Retained earnings to average equity (ytd only) | -11.6598% | 4,684 |
| Net charge-offs to loans | -0.0049% | 3,333 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4157% | 2,186 |
| Assets per employee ($millions) | 9.0483% | 864 |
| Cash dividends to net income (ytd only)* | 269.9681% | 41 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6037% | 1,143 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 55.9418% | 2,766 |
| Net loans and leases to deposits | 64.7697% | 2,661 |
| Net loans and leases to core deposits | 65.8514% | 2,833 |
| Total domestic deposits to total assets | 86.3703% | 3,153 |
| Equity capital to assets | 12.0037% | 871 |
| Core capital (leverage) ratio | 12.4827% | 976 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $72,324,000 | 4,292 |
| Average earning assets | $68,892,000 | 4,259 |
| Average equity | $9,125,333 | 4,089 |
| Average total loans | $40,962,333 | 4,122 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5991% | 4,118 |
| Cost of funding earning assets | 0.1570% | 3,408 |
| Net interest margin | 2.4421% | 4,002 |
| Noninterest income to average assets | 0.3043% | 3,284 |
| Noninterest expense to average assets | 1.8646% | 3,767 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.7636% | 2,800 |
| Return on assets (ROA) | 0.7636% | 2,791 |
| Pretax return on assets | 0.7636% | 3,215 |
| Return on Equity (ROE) | 5.9079% | 3,370 |
| Retained earnings to average equity (ytd only) | -30.2670% | 4,745 |
| Net charge-offs to loans | -0.0098% | 3,580 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9474% | 2,110 |
| Assets per employee ($millions) | 9.1465% | 867 |
| Cash dividends to net income (ytd only)* | 612.3188% | 25 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7306% | 1,000 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 51.2177% | 3,046 |
| Net loans and leases to deposits | 58.9595% | 2,991 |
| Net loans and leases to core deposits | 59.4496% | 3,191 |
| Total domestic deposits to total assets | 86.8693% | 2,974 |
| Equity capital to assets | 11.8994% | 997 |
| Core capital (leverage) ratio | 12.4040% | 937 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $72,293,000 | 4,316 |
| Average earning assets | $68,793,500 | 4,280 |
| Average equity | $9,343,500 | 4,127 |
| Average total loans | $40,866,500 | 4,144 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0950% | 3,692 |
| Cost of funding earning assets | 0.1970% | 3,498 |
| Net interest margin | 2.8980% | 3,444 |
| Noninterest income to average assets | 1.6187% | 430 |
| Noninterest expense to average assets | 2.3641% | 2,606 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.9906% | 344 |
| Return on assets (ROA) | 1.9906% | 365 |
| Pretax return on assets | 1.9906% | 614 |
| Return on Equity (ROE) | 13.8938% | 1,219 |
| Retained earnings to average equity (ytd only) | 5.8462% | 2,422 |
| Net charge-offs to loans | -0.0023% | 3,385 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.2877% | 3,901 |
| Assets per employee ($millions) | 8.9268% | 942 |
| Cash dividends to net income (ytd only)* | 57.9223% | 1,172 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5116% | 1,508 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 60.1241% | 2,148 |
| Net loans and leases to deposits | 70.7854% | 2,039 |
| Net loans and leases to core deposits | 71.3986% | 2,311 |
| Total domestic deposits to total assets | 84.9385% | 3,292 |
| Equity capital to assets | 13.9749% | 669 |
| Core capital (leverage) ratio | 13.8128% | 645 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $67,214,600 | 4,369 |
| Average earning assets | $63,457,600 | 4,343 |
| Average equity | $9,630,200 | 4,177 |
| Average total loans | $43,919,200 | 4,110 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1473% | 3,707 |
| Cost of funding earning assets | 0.2075% | 3,536 |
| Net interest margin | 2.9398% | 3,461 |
| Noninterest income to average assets | 1.5174% | 538 |
| Noninterest expense to average assets | 2.0312% | 3,584 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 2.2549% | 289 |
| Return on assets (ROA) | 2.2549% | 307 |
| Pretax return on assets | 2.2549% | 495 |
| Return on Equity (ROE) | 15.6345% | 1,013 |
| Retained earnings to average equity (ytd only) | 4.8063% | 3,289 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.3907% | 4,421 |
| Assets per employee ($millions) | 8.3035% | 1,128 |
| Cash dividends to net income (ytd only)* | 69.2583% | 598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5851% | 1,372 |
| Loan loss allowance to noncurrent loans | 316.8269% | 1,913 |
| Noncurrent assets plus other real estate owned to assets | 0.3131% | 2,208 |
| Noncurrent loans to loans | 0.5003% | 2,058 |
| Net loans and leases to total assets | 61.5945% | 2,064 |
| Net loans and leases to deposits | 72.7913% | 1,982 |
| Net loans and leases to core deposits | 73.4723% | 2,283 |
| Total domestic deposits to total assets | 84.6179% | 3,260 |
| Equity capital to assets | 14.7799% | 579 |
| Core capital (leverage) ratio | 14.0334% | 631 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $66,164,750 | 4,436 |
| Average earning assets | $62,315,500 | 4,416 |
| Average equity | $9,542,750 | 4,244 |
| Average total loans | $44,000,000 | 4,164 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0999% | 3,866 |
| Cost of funding earning assets | 0.2116% | 3,639 |
| Net interest margin | 2.8883% | 3,600 |
| Noninterest income to average assets | 1.9735% | 335 |
| Noninterest expense to average assets | 2.0098% | 3,666 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 2.6908% | 174 |
| Return on assets (ROA) | 2.6908% | 182 |
| Pretax return on assets | 2.6908% | 263 |
| Return on Equity (ROE) | 18.8128% | 559 |
| Retained earnings to average equity (ytd only) | 2.4124% | 4,017 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.7560% | 4,671 |
| Assets per employee ($millions) | 8.2708% | 1,095 |
| Cash dividends to net income (ytd only)* | 87.1766% | 390 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4434% | 1,795 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 67.9019% | 1,456 |
| Net loans and leases to deposits | 79.7303% | 1,452 |
| Net loans and leases to core deposits | 80.4743% | 1,850 |
| Total domestic deposits to total assets | 85.1646% | 3,028 |
| Equity capital to assets | 14.5014% | 616 |
| Core capital (leverage) ratio | 13.3655% | 731 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $66,077,000 | 4,464 |
| Average earning assets | $62,389,000 | 4,443 |
| Average equity | $9,451,000 | 4,269 |
| Average total loans | $44,808,333 | 4,177 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1608% | 3,757 |
| Cost of funding earning assets | 0.2249% | 3,679 |
| Net interest margin | 2.9360% | 3,420 |
| Noninterest income to average assets | 2.2595% | 306 |
| Noninterest expense to average assets | 1.9869% | 3,759 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 3.0409% | 150 |
| Return on assets (ROA) | 3.0409% | 166 |
| Pretax return on assets | 3.0409% | 226 |
| Return on Equity (ROE) | 21.4095% | 436 |
| Retained earnings to average equity (ytd only) | -11.6430% | 4,838 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.5181% | 4,758 |
| Assets per employee ($millions) | 8.4956% | 989 |
| Cash dividends to net income (ytd only)* | 154.3825% | 208 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5348% | 1,484 |
| 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 | 62.1129% | 2,276 |
| Net loans and leases to deposits | 71.9926% | 2,319 |
| Net loans and leases to core deposits | 72.6380% | 2,646 |
| Total domestic deposits to total assets | 86.2768% | 2,639 |
| Equity capital to assets | 13.5805% | 774 |
| Core capital (leverage) ratio | 13.2806% | 786 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $66,032,500 | 4,479 |
| Average earning assets | $62,262,500 | 4,457 |
| Average equity | $9,379,000 | 4,286 |
| Average total loans | $44,419,500 | 4,200 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1559% | 2,261 |
| Cost of funding earning assets | 0.2885% | 4,209 |
| Net interest margin | 3.8675% | 1,314 |
| Noninterest income to average assets | 0.6354% | 2,082 |
| Noninterest expense to average assets | 2.1803% | 3,718 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 2.0847% | 226 |
| Return on assets (ROA) | 2.0847% | 243 |
| Pretax return on assets | 2.0847% | 375 |
| Return on Equity (ROE) | 14.0898% | 792 |
| Retained earnings to average equity (ytd only) | 1.2161% | 4,139 |
| Net charge-offs to loans | -0.0064% | 4,185 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.1212% | 4,460 |
| Assets per employee ($millions) | 8.0125% | 1,031 |
| Cash dividends to net income (ytd only)* | 91.3686% | 392 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4315% | 1,848 |
| 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 | 70.6833% | 1,472 |
| Net loans and leases to deposits | 84.1781% | 1,439 |
| Net loans and leases to core deposits | 85.5821% | 1,903 |
| Total domestic deposits to total assets | 83.9688% | 3,123 |
| Equity capital to assets | 14.8643% | 595 |
| Core capital (leverage) ratio | 14.3677% | 621 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $61,689,000 | 4,490 |
| Average earning assets | $57,893,000 | 4,469 |
| Average equity | $9,127,200 | 4,298 |
| Average total loans | $46,853,600 | 4,165 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3631% | 1,949 |
| Cost of funding earning assets | 0.2979% | 4,321 |
| Net interest margin | 4.0653% | 959 |
| Noninterest income to average assets | 0.6242% | 2,087 |
| Noninterest expense to average assets | 2.1281% | 3,877 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 2.3092% | 175 |
| Return on assets (ROA) | 2.3092% | 183 |
| Pretax return on assets | 2.3092% | 276 |
| Return on Equity (ROE) | 15.6268% | 590 |
| Retained earnings to average equity (ytd only) | -1.7281% | 4,682 |
| Net charge-offs to loans | -0.0057% | 4,080 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.9587% | 4,611 |
| Assets per employee ($millions) | 7.8960% | 1,041 |
| Cash dividends to net income (ytd only)* | 111.0586% | 224 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4222% | 1,642 |
| 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 | 72.0935% | 1,651 |
| Net loans and leases to deposits | 90.9872% | 1,162 |
| Net loans and leases to core deposits | 92.6156% | 1,746 |
| Total domestic deposits to total assets | 79.2347% | 4,019 |
| Equity capital to assets | 14.7226% | 692 |
| Core capital (leverage) ratio | 14.1641% | 675 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $61,086,250 | 4,517 |
| Average earning assets | $57,297,000 | 4,493 |
| Average equity | $9,027,000 | 4,318 |
| Average total loans | $47,075,500 | 4,185 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4700% | 2,006 |
| Cost of funding earning assets | 0.3110% | 4,440 |
| Net interest margin | 4.1590% | 1,003 |
| Noninterest income to average assets | 0.5332% | 2,422 |
| Noninterest expense to average assets | 2.1625% | 3,895 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 2.2685% | 203 |
| Return on assets (ROA) | 2.2685% | 222 |
| Pretax return on assets | 2.2685% | 320 |
| Return on Equity (ROE) | 15.3312% | 659 |
| Retained earnings to average equity (ytd only) | -10.9669% | 4,934 |
| Net charge-offs to loans | -0.0042% | 3,967 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.8042% | 4,573 |
| Assets per employee ($millions) | 7.7879% | 1,043 |
| Cash dividends to net income (ytd only)* | 171.5328% | 146 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3365% | 1,844 |
| Loan loss allowance to noncurrent loans | 1,987.8788% | 309 |
| Noncurrent assets plus other real estate owned to assets | 0.0530% | 4,268 |
| Noncurrent loans to loans | 0.0672% | 4,198 |
| Net loans and leases to total assets | 77.7314% | 887 |
| Net loans and leases to deposits | 97.4780% | 695 |
| Net loans and leases to core deposits | 99.2316% | 1,312 |
| Total domestic deposits to total assets | 79.7425% | 3,888 |
| Equity capital to assets | 14.3187% | 773 |
| Core capital (leverage) ratio | 13.8724% | 781 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $60,392,333 | 4,537 |
| Average earning assets | $56,600,000 | 4,520 |
| Average equity | $8,936,000 | 4,345 |
| Average total loans | $47,368,333 | 4,188 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5960% | 2,006 |
| Cost of funding earning assets | 0.3380% | 4,555 |
| Net interest margin | 4.2580% | 825 |
| Noninterest income to average assets | 0.3701% | 3,298 |
| Noninterest expense to average assets | 2.2006% | 4,004 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 2.1535% | 202 |
| Return on assets (ROA) | 2.1535% | 220 |
| Pretax return on assets | 2.1535% | 331 |
| Return on Equity (ROE) | 14.3121% | 644 |
| Retained earnings to average equity (ytd only) | -38.2401% | 5,064 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.5410% | 4,635 |
| Assets per employee ($millions) | 7.1933% | 1,006 |
| Cash dividends to net income (ytd only)* | 367.1875% | 92 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3954% | 1,717 |
| Loan loss allowance to noncurrent loans | 1,457.7778% | 405 |
| Noncurrent assets plus other real estate owned to assets | 0.0782% | 4,216 |
| Noncurrent loans to loans | 0.0957% | 4,127 |
| Net loans and leases to total assets | 80.5547% | 627 |
| Net loans and leases to deposits | 96.1025% | 899 |
| Net loans and leases to core deposits | 98.4120% | 1,597 |
| Total domestic deposits to total assets | 83.8216% | 2,848 |
| Equity capital to assets | 14.7656% | 818 |
| Core capital (leverage) ratio | 13.7260% | 980 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $59,437,000 | 4,562 |
| Average earning assets | $55,613,500 | 4,547 |
| Average equity | $8,943,500 | 4,373 |
| Average total loans | $46,510,000 | 4,222 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5352% | 2,826 |
| Cost of funding earning assets | 0.4215% | 4,373 |
| Net interest margin | 4.1137% | 1,503 |
| Noninterest income to average assets | 0.5427% | 2,524 |
| Noninterest expense to average assets | 2.1454% | 4,279 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 2.2297% | 212 |
| Return on assets (ROA) | 2.2297% | 224 |
| Pretax return on assets | 2.2297% | 365 |
| Return on Equity (ROE) | 15.0430% | 683 |
| Retained earnings to average equity (ytd only) | 9.3578% | 624 |
| Net charge-offs to loans | -0.0044% | 4,324 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.0370% | 4,783 |
| Assets per employee ($millions) | 7.6660% | 808 |
| Cash dividends to net income (ytd only)* | 37.7929% | 2,703 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4237% | 1,440 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 73.9515% | 1,765 |
| Net loans and leases to deposits | 88.6026% | 1,760 |
| Net loans and leases to core deposits | 90.5973% | 2,365 |
| Total domestic deposits to total assets | 83.4643% | 3,038 |
| Equity capital to assets | 15.3111% | 725 |
| Core capital (leverage) ratio | 15.4241% | 602 |
| Tier 1 risk-based capital ratio | 19.0189% | 1,511 |
| Total risk-based capital ratio | 20.2680% | 1,482 |
| Memoranda: | ||
| Average total assets | $59,335,200 | 4,603 |
| Average earning assets | $55,279,200 | 4,597 |
| Average equity | $8,794,800 | 4,407 |
| Average total loans | $45,285,600 | 4,274 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5793% | 2,794 |
| Cost of funding earning assets | 0.4470% | 4,339 |
| Net interest margin | 4.1323% | 1,544 |
| Noninterest income to average assets | 0.5121% | 2,653 |
| Noninterest expense to average assets | 2.0780% | 4,398 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 2.2887% | 225 |
| Return on assets (ROA) | 2.2887% | 239 |
| Pretax return on assets | 2.2887% | 379 |
| Return on Equity (ROE) | 15.5752% | 675 |
| Retained earnings to average equity (ytd only) | 7.8647% | 1,458 |
| Net charge-offs to loans | -0.0029% | 4,101 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.5869% | 4,875 |
| Assets per employee ($millions) | 7.0714% | 1,001 |
| Cash dividends to net income (ytd only)* | 49.5051% | 1,704 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4650% | 1,349 |
| 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 | 77.7572% | 1,180 |
| Net loans and leases to deposits | 94.7976% | 1,149 |
| Net loans and leases to core deposits | 97.1488% | 1,890 |
| Total domestic deposits to total assets | 82.0244% | 3,473 |
| Equity capital to assets | 16.0436% | 625 |
| Core capital (leverage) ratio | 15.2432% | 684 |
| Tier 1 risk-based capital ratio | 18.8895% | 1,587 |
| Total risk-based capital ratio | 20.1402% | 1,556 |
| Memoranda: | ||
| Average total assets | $58,837,000 | 4,676 |
| Average earning assets | $54,883,250 | 4,666 |
| Average equity | $8,646,000 | 4,475 |
| Average total loans | $45,105,000 | 4,335 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5015% | 3,014 |
| Cost of funding earning assets | 0.4555% | 4,303 |
| Net interest margin | 4.0460% | 1,775 |
| Noninterest income to average assets | 0.3188% | 3,794 |
| Noninterest expense to average assets | 2.0439% | 4,527 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 2.0607% | 352 |
| Return on assets (ROA) | 2.0607% | 366 |
| Pretax return on assets | 2.0607% | 607 |
| Return on Equity (ROE) | 14.4425% | 886 |
| Retained earnings to average equity (ytd only) | 2.6815% | 3,856 |
| Net charge-offs to loans | -0.0044% | 4,094 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.7956% | 4,792 |
| Assets per employee ($millions) | 7.2831% | 890 |
| Cash dividends to net income (ytd only)* | 81.4332% | 795 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4191% | 1,532 |
| 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 | 77.9731% | 1,223 |
| Net loans and leases to deposits | 97.2722% | 913 |
| Net loans and leases to core deposits | 99.6600% | 1,754 |
| Total domestic deposits to total assets | 80.1596% | 4,007 |
| Equity capital to assets | 14.8872% | 843 |
| Core capital (leverage) ratio | 14.2721% | 887 |
| Tier 1 risk-based capital ratio | 17.5391% | 1,930 |
| Total risk-based capital ratio | 18.7897% | 1,892 |
| Memoranda: | ||
| Average total assets | $59,592,330 | 4,700 |
| Average earning assets | $55,759,000 | 4,688 |
| Average equity | $8,502,670 | 4,518 |
| Average total loans | $45,259,330 | 4,362 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4416% | 3,080 |
| Cost of funding earning assets | 0.4627% | 4,232 |
| Net interest margin | 3.9789% | 1,916 |
| Noninterest income to average assets | 0.3253% | 3,684 |
| Noninterest expense to average assets | 1.9716% | 4,697 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 2.0645% | 349 |
| Return on assets (ROA) | 2.0645% | 364 |
| Pretax return on assets | 2.0645% | 568 |
| Return on Equity (ROE) | 14.7796% | 796 |
| Retained earnings to average equity (ytd only) | -8.9818% | 5,067 |
| Net charge-offs to loans | -0.0089% | 4,189 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.8487% | 4,907 |
| Assets per employee ($millions) | 7.3973% | 850 |
| Cash dividends to net income (ytd only)* | 160.7717% | 295 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5240% | 1,263 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 71.3001% | 2,284 |
| Net loans and leases to deposits | 88.3699% | 1,828 |
| Net loans and leases to core deposits | 90.0004% | 2,504 |
| Total domestic deposits to total assets | 80.6837% | 4,025 |
| Equity capital to assets | 14.0880% | 1,008 |
| Core capital (leverage) ratio | 13.4067% | 1,118 |
| Tier 1 risk-based capital ratio | 17.7377% | 1,876 |
| Total risk-based capital ratio | 18.9903% | 1,829 |
| Memoranda: | ||
| Average total assets | $60,256,000 | 4,742 |
| Average earning assets | $56,196,500 | 4,734 |
| Average equity | $8,417,000 | 4,553 |
| Average total loans | $44,846,500 | 4,414 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3161% | 3,056 |
| Cost of funding earning assets | 0.3997% | 3,991 |
| Net interest margin | 3.9164% | 2,278 |
| Noninterest income to average assets | 0.5719% | 2,439 |
| Noninterest expense to average assets | 2.0559% | 4,640 |
| Loan and lease loss provision to assets | 0.0822% | 2,486 |
| Net operating income to assets | 2.1052% | 295 |
| Return on assets (ROA) | 2.1052% | 291 |
| Pretax return on assets | 2.1052% | 434 |
| Return on Equity (ROE) | 16.1327% | 603 |
| Retained earnings to average equity (ytd only) | 10.1506% | 596 |
| Net charge-offs to loans | -0.0068% | 4,409 |
| Credit loss provision to net charge-offs | -1,666.6667% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.4508% | 5,021 |
| Assets per employee ($millions) | 7.6668% | 749 |
| Cash dividends to net income (ytd only)* | 37.0804% | 2,687 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3939% | 1,664 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 75.3139% | 1,725 |
| Net loans and leases to deposits | 97.0319% | 969 |
| Net loans and leases to core deposits | 98.8212% | 1,804 |
| Total domestic deposits to total assets | 77.6176% | 4,546 |
| Equity capital to assets | 13.8537% | 1,017 |
| Core capital (leverage) ratio | 13.2936% | 1,146 |
| Tier 1 risk-based capital ratio | 16.8961% | 2,102 |
| Total risk-based capital ratio | 18.1477% | 2,045 |
| Memoranda: | ||
| Average total assets | $60,850,200 | 4,746 |
| Average earning assets | $57,042,400 | 4,731 |
| Average equity | $7,940,400 | 4,616 |
| Average total loans | $44,217,200 | 4,446 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2260% | 3,222 |
| Cost of funding earning assets | 0.3623% | 4,101 |
| Net interest margin | 3.8636% | 2,423 |
| Noninterest income to average assets | 0.4852% | 2,947 |
| Noninterest expense to average assets | 1.9342% | 4,851 |
| Loan and lease loss provision to assets | 0.0768% | 2,424 |
| Net operating income to assets | 2.1033% | 308 |
| Return on assets (ROA) | 2.1033% | 304 |
| Pretax return on assets | 2.1033% | 478 |
| Return on Equity (ROE) | 16.3730% | 632 |
| Retained earnings to average equity (ytd only) | 8.2548% | 1,535 |
| Net charge-offs to loans | -0.0061% | 4,264 |
| Credit loss provision to net charge-offs | -1,750.0000% | 4,729 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.0117% | 5,098 |
| Assets per employee ($millions) | 7.7414% | 705 |
| Cash dividends to net income (ytd only)* | 49.5827% | 1,605 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3899% | 1,740 |
| Loan loss allowance to noncurrent loans | 15,925.0000% | 55 |
| Noncurrent assets plus other real estate owned to assets | 0.0065% | 4,993 |
| Noncurrent loans to loans | 0.0087% | 4,894 |
| Net loans and leases to total assets | 72.9715% | 2,173 |
| Net loans and leases to deposits | 98.0006% | 949 |
| Net loans and leases to core deposits | 99.8564% | 1,807 |
| Total domestic deposits to total assets | 74.4603% | 4,941 |
| Equity capital to assets | 13.1598% | 1,268 |
| Core capital (leverage) ratio | 12.5572% | 1,467 |
| Tier 1 risk-based capital ratio | 16.4797% | 2,279 |
| Total risk-based capital ratio | 17.7305% | 2,218 |
| Memoranda: | ||
| Average total assets | $60,729,250 | 4,798 |
| Average earning assets | $57,043,000 | 4,780 |
| Average equity | $7,801,250 | 4,684 |
| Average total loans | $43,560,000 | 4,511 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1108% | 3,411 |
| Cost of funding earning assets | 0.2468% | 4,760 |
| Net interest margin | 3.8640% | 2,335 |
| Noninterest income to average assets | 0.3945% | 3,528 |
| Noninterest expense to average assets | 1.9062% | 4,949 |
| Loan and lease loss provision to assets | 0.0663% | 2,573 |
| Net operating income to assets | 2.0554% | 334 |
| Return on assets (ROA) | 2.0554% | 332 |
| Pretax return on assets | 2.0554% | 536 |
| Return on Equity (ROE) | 16.1353% | 642 |
| Retained earnings to average equity (ytd only) | 3.7736% | 3,712 |
| Net charge-offs to loans | -0.0047% | 4,085 |
| Credit loss provision to net charge-offs | -2,000.0000% | 4,630 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.3251% | 5,151 |
| Assets per employee ($millions) | 7.7496% | 691 |
| Cash dividends to net income (ytd only)* | 76.6129% | 793 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3518% | 1,936 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 73.0971% | 2,102 |
| Net loans and leases to deposits | 97.8410% | 979 |
| Net loans and leases to core deposits | 99.6723% | 1,760 |
| Total domestic deposits to total assets | 74.7101% | 4,978 |
| Equity capital to assets | 12.6232% | 1,477 |
| Core capital (leverage) ratio | 12.5540% | 1,409 |
| Tier 1 risk-based capital ratio | 15.7902% | 2,519 |
| Total risk-based capital ratio | 17.0418% | 2,460 |
| Memoranda: | ||
| Average total assets | $60,328,670 | 4,868 |
| Average earning assets | $56,728,670 | 4,843 |
| Average equity | $7,685,000 | 4,749 |
| Average total loans | $42,803,670 | 4,573 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0452% | 3,445 |
| Cost of funding earning assets | 0.2434% | 4,752 |
| Net interest margin | 3.8018% | 2,419 |
| Noninterest income to average assets | 0.4168% | 3,336 |
| Noninterest expense to average assets | 1.8893% | 5,032 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 2.0573% | 325 |
| Return on assets (ROA) | 2.0573% | 327 |
| Pretax return on assets | 2.0977% | 468 |
| Return on Equity (ROE) | 16.0746% | 608 |
| Retained earnings to average equity (ytd only) | -8.8778% | 5,333 |
| Net charge-offs to loans | -0.0097% | 4,234 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.3862% | 5,218 |
| Assets per employee ($millions) | 7.4531% | 787 |
| Cash dividends to net income (ytd only)* | 155.2288% | 298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5037% | 1,453 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 66.0226% | 3,027 |
| Net loans and leases to deposits | 75.9756% | 3,215 |
| Net loans and leases to core deposits | 77.2412% | 3,555 |
| Total domestic deposits to total assets | 86.8998% | 2,168 |
| Equity capital to assets | 12.6038% | 1,426 |
| Core capital (leverage) ratio | 12.2842% | 1,483 |
| Tier 1 risk-based capital ratio | 17.4425% | 1,995 |
| Total risk-based capital ratio | 18.6954% | 1,945 |
| Memoranda: | ||
| Average total assets | $59,494,500 | 4,940 |
| Average earning assets | $55,869,000 | 4,912 |
| Average equity | $7,614,500 | 4,811 |
| Average total loans | $41,236,000 | 4,656 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8479% | 3,888 |
| Cost of funding earning assets | 0.2582% | 4,500 |
| Net interest margin | 3.5897% | 3,210 |
| Noninterest income to average assets | 0.5830% | 2,534 |
| Noninterest expense to average assets | 2.0983% | 4,769 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.8509% | 372 |
| Return on assets (ROA) | 1.8509% | 379 |
| Pretax return on assets | 1.8509% | 690 |
| Return on Equity (ROE) | 14.7819% | 642 |
| Retained earnings to average equity (ytd only) | 9.5322% | 418 |
| Net charge-offs to loans | -0.0078% | 4,730 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.1318% | 5,021 |
| Assets per employee ($millions) | 7.4205% | 800 |
| Cash dividends to net income (ytd only)* | 35.5140% | 3,058 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4116% | 1,718 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 70.5899% | 2,436 |
| Net loans and leases to deposits | 84.3295% | 2,456 |
| Net loans and leases to core deposits | 85.7883% | 2,924 |
| Total domestic deposits to total assets | 83.7073% | 3,307 |
| Equity capital to assets | 12.9944% | 1,268 |
| Core capital (leverage) ratio | 12.7459% | 1,244 |
| Tier 1 risk-based capital ratio | 16.7137% | 2,191 |
| Total risk-based capital ratio | 17.9651% | 2,139 |
| Memoranda: | ||
| Average total assets | $57,809,200 | 5,008 |
| Average earning assets | $54,211,400 | 4,992 |
| Average equity | $7,238,600 | 4,904 |
| Average total loans | $38,357,800 | 4,780 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7866% | 4,055 |
| Cost of funding earning assets | 0.2577% | 4,501 |
| Net interest margin | 3.5288% | 3,392 |
| Noninterest income to average assets | 0.5132% | 2,953 |
| Noninterest expense to average assets | 2.0201% | 4,910 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.7995% | 469 |
| Return on assets (ROA) | 1.7995% | 480 |
| Pretax return on assets | 1.7995% | 894 |
| Return on Equity (ROE) | 14.5133% | 734 |
| Retained earnings to average equity (ytd only) | 7.3970% | 1,493 |
| Net charge-offs to loans | -0.0072% | 4,543 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.8875% | 5,030 |
| Assets per employee ($millions) | 6.9129% | 986 |
| Cash dividends to net income (ytd only)* | 49.0318% | 1,810 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5671% | 1,316 |
| Loan loss allowance to noncurrent loans | 4,607.6923% | 173 |
| Noncurrent assets plus other real estate owned to assets | 0.0235% | 5,131 |
| Noncurrent loans to loans | 0.0340% | 4,965 |
| Net loans and leases to total assets | 68.0343% | 2,840 |
| Net loans and leases to deposits | 80.5295% | 2,916 |
| Net loans and leases to core deposits | 82.0056% | 3,281 |
| Total domestic deposits to total assets | 84.4837% | 2,925 |
| Equity capital to assets | 13.4694% | 1,173 |
| Core capital (leverage) ratio | 12.6464% | 1,357 |
| Tier 1 risk-based capital ratio | 17.7661% | 1,923 |
| Total risk-based capital ratio | 19.0218% | 1,867 |
| Memoranda: | ||
| Average total assets | $57,420,500 | 5,069 |
| Average earning assets | $53,803,000 | 5,052 |
| Average equity | $7,119,750 | 4,975 |
| Average total loans | $37,321,000 | 4,860 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6610% | 4,342 |
| Cost of funding earning assets | 0.2536% | 4,509 |
| Net interest margin | 3.4073% | 3,743 |
| Noninterest income to average assets | 0.3957% | 3,720 |
| Noninterest expense to average assets | 2.0197% | 4,929 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.5656% | 760 |
| Return on assets (ROA) | 1.5656% | 783 |
| Pretax return on assets | 1.5656% | 1,444 |
| Return on Equity (ROE) | 12.9815% | 1,035 |
| Retained earnings to average equity (ytd only) | 2.1398% | 4,398 |
| Net charge-offs to loans | -0.0054% | 4,358 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.3340% | 4,791 |
| Assets per employee ($millions) | 7.1665% | 859 |
| Cash dividends to net income (ytd only)* | 83.5165% | 771 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6304% | 1,195 |
| 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 | 62.9334% | 3,516 |
| Net loans and leases to deposits | 73.2907% | 3,620 |
| Net loans and leases to core deposits | 74.9548% | 3,862 |
| Total domestic deposits to total assets | 85.8683% | 2,434 |
| Equity capital to assets | 12.4555% | 1,645 |
| Core capital (leverage) ratio | 11.9876% | 1,639 |
| Tier 1 risk-based capital ratio | 17.4788% | 2,016 |
| Total risk-based capital ratio | 18.7343% | 1,970 |
| Memoranda: | ||
| Average total assets | $58,126,330 | 5,099 |
| Average earning assets | $54,412,000 | 5,079 |
| Average equity | $7,010,000 | 5,021 |
| Average total loans | $37,020,000 | 4,899 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5556% | 4,532 |
| Cost of funding earning assets | 0.2404% | 4,633 |
| Net interest margin | 3.3152% | 3,956 |
| Noninterest income to average assets | 0.4238% | 3,498 |
| Noninterest expense to average assets | 2.0573% | 4,929 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.4763% | 855 |
| Return on assets (ROA) | 1.4763% | 880 |
| Pretax return on assets | 1.4763% | 1,620 |
| Return on Equity (ROE) | 12.4415% | 1,126 |
| Retained earnings to average equity (ytd only) | -9.4463% | 5,565 |
| Net charge-offs to loans | -0.0108% | 4,460 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.2205% | 4,690 |
| Assets per employee ($millions) | 7.2465% | 839 |
| Cash dividends to net income (ytd only)* | 175.9259% | 298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6591% | 1,230 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 61.1416% | 3,640 |
| Net loans and leases to deposits | 71.1833% | 3,680 |
| Net loans and leases to core deposits | 72.7734% | 3,931 |
| Total domestic deposits to total assets | 85.8932% | 2,720 |
| Equity capital to assets | 11.8505% | 1,941 |
| Core capital (leverage) ratio | 11.1641% | 2,225 |
| Tier 1 risk-based capital ratio | 17.1048% | 2,145 |
| Total risk-based capital ratio | 18.3583% | 2,097 |
| Memoranda: | ||
| Average total assets | $58,523,500 | 5,141 |
| Average earning assets | $54,899,000 | 5,125 |
| Average equity | $6,944,500 | 5,076 |
| Average total loans | $37,190,500 | 4,938 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6634% | 4,331 |
| Cost of funding earning assets | 0.2818% | 4,241 |
| Net interest margin | 3.3816% | 3,883 |
| Noninterest income to average assets | 0.5296% | 3,032 |
| Noninterest expense to average assets | 2.0105% | 5,165 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.6866% | 562 |
| Return on assets (ROA) | 1.6866% | 591 |
| Pretax return on assets | 1.6866% | 1,038 |
| Return on Equity (ROE) | 14.7726% | 658 |
| Retained earnings to average equity (ytd only) | 9.9234% | 416 |
| Net charge-offs to loans | -0.0025% | 4,729 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.3811% | 5,213 |
| Assets per employee ($millions) | 6.5639% | 1,118 |
| Cash dividends to net income (ytd only)* | 32.8252% | 3,203 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5572% | 1,478 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 63.8866% | 3,372 |
| Net loans and leases to deposits | 74.8517% | 3,429 |
| Net loans and leases to core deposits | 76.5258% | 3,706 |
| Total domestic deposits to total assets | 85.3508% | 2,901 |
| Equity capital to assets | 11.8815% | 1,892 |
| Core capital (leverage) ratio | 11.5930% | 1,867 |
| Tier 1 risk-based capital ratio | 16.5759% | 2,317 |
| Total risk-based capital ratio | 17.8289% | 2,256 |
| Memoranda: | ||
| Average total assets | $58,343,200 | 5,182 |
| Average earning assets | $54,648,200 | 5,158 |
| Average equity | $6,661,000 | 5,158 |
| Average total loans | $40,199,800 | 4,875 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6755% | 4,330 |
| Cost of funding earning assets | 0.2859% | 4,243 |
| Net interest margin | 3.3896% | 3,890 |
| Noninterest income to average assets | 0.4608% | 3,484 |
| Noninterest expense to average assets | 1.9211% | 5,344 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.6781% | 621 |
| Return on assets (ROA) | 1.6781% | 661 |
| Pretax return on assets | 1.7194% | 1,063 |
| Return on Equity (ROE) | 14.8517% | 683 |
| Retained earnings to average equity (ytd only) | 8.2983% | 1,046 |
| Net charge-offs to loans | -0.0033% | 4,544 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.7708% | 5,331 |
| Assets per employee ($millions) | 7.0574% | 872 |
| Cash dividends to net income (ytd only)* | 44.1259% | 2,174 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5261% | 1,671 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 68.2318% | 2,766 |
| Net loans and leases to deposits | 82.7580% | 2,641 |
| Net loans and leases to core deposits | 84.7609% | 3,059 |
| Total domestic deposits to total assets | 82.4474% | 3,796 |
| Equity capital to assets | 12.1575% | 2,004 |
| Core capital (leverage) ratio | 11.6569% | 1,922 |
| Tier 1 risk-based capital ratio | 15.6158% | 2,783 |
| Total risk-based capital ratio | 16.8668% | 2,714 |
| Memoranda: | ||
| Average total assets | $58,160,250 | 5,232 |
| Average earning assets | $54,557,500 | 5,201 |
| Average equity | $6,571,500 | 5,221 |
| Average total loans | $40,665,250 | 4,900 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6393% | 4,476 |
| Cost of funding earning assets | 0.2897% | 4,252 |
| Net interest margin | 3.3496% | 4,057 |
| Noninterest income to average assets | 0.3678% | 4,118 |
| Noninterest expense to average assets | 1.9105% | 5,432 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.5666% | 780 |
| Return on assets (ROA) | 1.5666% | 820 |
| Pretax return on assets | 1.6074% | 1,356 |
| Return on Equity (ROE) | 14.2107% | 796 |
| Retained earnings to average equity (ytd only) | 4.2323% | 3,216 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.3078% | 5,285 |
| Assets per employee ($millions) | 7.1539% | 818 |
| Cash dividends to net income (ytd only)* | 70.2174% | 1,175 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4484% | 2,072 |
| Loan loss allowance to noncurrent loans | 2,838.0952% | 239 |
| Noncurrent assets plus other real estate owned to assets | 0.0367% | 5,432 |
| Noncurrent loans to loans | 0.0510% | 5,258 |
| Net loans and leases to total assets | 70.8585% | 2,343 |
| Net loans and leases to deposits | 86.0961% | 2,243 |
| Net loans and leases to core deposits | 87.6727% | 2,762 |
| Total domestic deposits to total assets | 82.3015% | 3,908 |
| Equity capital to assets | 11.5409% | 2,502 |
| Core capital (leverage) ratio | 11.2322% | 2,208 |
| Tier 1 risk-based capital ratio | 14.5073% | 3,315 |
| Total risk-based capital ratio | 15.7591% | 3,241 |
| Memoranda: | ||
| Average total assets | $58,727,330 | 5,270 |
| Average earning assets | $55,230,000 | 5,243 |
| Average equity | $6,474,000 | 5,288 |
| Average total loans | $41,180,330 | 4,932 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5685% | 4,714 |
| Cost of funding earning assets | 0.2932% | 4,244 |
| Net interest margin | 3.2753% | 4,319 |
| Noninterest income to average assets | 0.3766% | 4,014 |
| Noninterest expense to average assets | 1.8966% | 5,525 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.5200% | 821 |
| Return on assets (ROA) | 1.5200% | 866 |
| Pretax return on assets | 1.5603% | 1,403 |
| Return on Equity (ROE) | 14.1063% | 818 |
| Retained earnings to average equity (ytd only) | -5.8672% | 5,647 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.8638% | 5,294 |
| Assets per employee ($millions) | 6.5080% | 1,107 |
| Cash dividends to net income (ytd only)* | 141.5929% | 426 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4990% | 1,991 |
| Loan loss allowance to noncurrent loans | 2,838.0952% | 236 |
| Noncurrent assets plus other real estate owned to assets | 0.0359% | 5,492 |
| Noncurrent loans to loans | 0.0528% | 5,277 |
| Net loans and leases to total assets | 66.8664% | 2,832 |
| Net loans and leases to deposits | 79.7690% | 2,824 |
| Net loans and leases to core deposits | 81.1676% | 3,220 |
| Total domestic deposits to total assets | 83.8250% | 3,586 |
| Equity capital to assets | 10.8618% | 3,098 |
| Core capital (leverage) ratio | 10.3400% | 3,142 |
| Tier 1 risk-based capital ratio | 14.2558% | 3,534 |
| Total risk-based capital ratio | 15.5104% | 3,449 |
| Memoranda: | ||
| Average total assets | $59,475,500 | 5,300 |
| Average earning assets | $55,934,500 | 5,269 |
| Average equity | $6,408,500 | 5,333 |
| Average total loans | $41,196,000 | 4,970 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6923% | 4,387 |
| Cost of funding earning assets | 0.3110% | 4,128 |
| Net interest margin | 3.3813% | 3,980 |
| Noninterest income to average assets | 0.4821% | 3,451 |
| Noninterest expense to average assets | 2.0383% | 5,378 |
| Loan and lease loss provision to assets | 0.1692% | 1,353 |
| Net operating income to assets | 1.4209% | 1,002 |
| Return on assets (ROA) | 1.4209% | 1,041 |
| Pretax return on assets | 1.4564% | 1,693 |
| Return on Equity (ROE) | 13.7709% | 892 |
| Retained earnings to average equity (ytd only) | 7.8691% | 959 |
| Net charge-offs to loans | -0.0047% | 4,963 |
| Credit loss provision to net charge-offs | -5,000.0000% | 5,724 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.6325% | 5,382 |
| Assets per employee ($millions) | 6.7088% | 1,000 |
| Cash dividends to net income (ytd only)* | 42.8571% | 2,708 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3980% | 2,431 |
| 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 | 69.6186% | 2,428 |
| Net loans and leases to deposits | 82.8978% | 2,487 |
| Net loans and leases to core deposits | 84.7275% | 2,914 |
| Total domestic deposits to total assets | 83.9812% | 3,487 |
| Equity capital to assets | 10.6908% | 3,145 |
| Core capital (leverage) ratio | 10.7970% | 2,610 |
| Tier 1 risk-based capital ratio | 13.6416% | 3,926 |
| Total risk-based capital ratio | 14.8930% | 3,853 |
| Memoranda: | ||
| Average total assets | $59,119,000 | 5,339 |
| Average earning assets | $55,629,200 | 5,303 |
| Average equity | $6,099,800 | 5,418 |
| Average total loans | $42,626,600 | 4,914 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7218% | 4,357 |
| Cost of funding earning assets | 0.3182% | 4,133 |
| Net interest margin | 3.4037% | 3,939 |
| Noninterest income to average assets | 0.4285% | 3,879 |
| Noninterest expense to average assets | 2.0474% | 5,385 |
| Loan and lease loss provision to assets | 0.1927% | 1,049 |
| Net operating income to assets | 1.3514% | 1,227 |
| Return on assets (ROA) | 1.3514% | 1,269 |
| Pretax return on assets | 1.3899% | 2,055 |
| Return on Equity (ROE) | 13.2199% | 1,077 |
| Retained earnings to average equity (ytd only) | 5.2792% | 2,738 |
| Net charge-offs to loans | -0.0063% | 4,868 |
| Credit loss provision to net charge-offs | -4,250.0000% | 5,681 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.4022% | 5,297 |
| Assets per employee ($millions) | 6.3261% | 1,164 |
| Cash dividends to net income (ytd only)* | 60.0667% | 1,422 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3758% | 2,715 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 73.1536% | 1,879 |
| Net loans and leases to deposits | 90.7526% | 1,559 |
| Net loans and leases to core deposits | 92.9625% | 2,174 |
| Total domestic deposits to total assets | 80.6077% | 4,575 |
| Equity capital to assets | 10.9405% | 3,090 |
| Core capital (leverage) ratio | 10.3254% | 3,226 |
| Tier 1 risk-based capital ratio | 13.2371% | 4,296 |
| Total risk-based capital ratio | 14.4901% | 4,210 |
| Memoranda: | ||
| Average total assets | $58,804,000 | 5,416 |
| Average earning assets | $55,311,750 | 5,379 |
| Average equity | $6,011,000 | 5,496 |
| Average total loans | $42,625,500 | 4,964 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6695% | 4,508 |
| Cost of funding earning assets | 0.3082% | 4,307 |
| Net interest margin | 3.3613% | 4,050 |
| Noninterest income to average assets | 0.3197% | 4,670 |
| Noninterest expense to average assets | 2.0462% | 5,448 |
| Loan and lease loss provision to assets | 0.2019% | 966 |
| Net operating income to assets | 1.1880% | 1,639 |
| Return on assets (ROA) | 1.1880% | 1,707 |
| Pretax return on assets | 1.2284% | 2,657 |
| Return on Equity (ROE) | 11.8889% | 1,405 |
| Retained earnings to average equity (ytd only) | -0.2358% | 5,553 |
| Net charge-offs to loans | -0.0094% | 4,907 |
| Credit loss provision to net charge-offs | -3,000.0000% | 5,524 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.8577% | 5,127 |
| Assets per employee ($millions) | 5.9753% | 1,373 |
| Cash dividends to net income (ytd only)* | 101.9830% | 497 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2997% | 3,245 |
| 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 | 70.6642% | 2,216 |
| Net loans and leases to deposits | 86.0240% | 2,050 |
| Net loans and leases to core deposits | 87.5145% | 2,606 |
| Total domestic deposits to total assets | 82.1448% | 4,247 |
| Equity capital to assets | 10.0012% | 4,039 |
| Core capital (leverage) ratio | 9.6977% | 4,004 |
| Tier 1 risk-based capital ratio | 12.1396% | 5,049 |
| Total risk-based capital ratio | 13.3890% | 4,948 |
| Memoranda: | ||
| Average total assets | $59,427,000 | 5,460 |
| Average earning assets | $55,811,000 | 5,415 |
| Average equity | $5,938,330 | 5,565 |
| Average total loans | $42,757,000 | 4,998 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6422% | 4,559 |
| Cost of funding earning assets | 0.3155% | 4,272 |
| Net interest margin | 3.3268% | 4,102 |
| Noninterest income to average assets | 0.3577% | 4,338 |
| Noninterest expense to average assets | 2.0248% | 5,533 |
| Loan and lease loss provision to assets | 0.2025% | 908 |
| Net operating income to assets | 1.2352% | 1,448 |
| Return on assets (ROA) | 1.2352% | 1,535 |
| Pretax return on assets | 1.2621% | 2,414 |
| Return on Equity (ROE) | 12.3659% | 1,249 |
| Retained earnings to average equity (ytd only) | -11.9605% | 6,174 |
| Net charge-offs to loans | -0.0187% | 5,013 |
| Credit loss provision to net charge-offs | -1,500.0000% | 5,045 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0271% | 5,334 |
| Assets per employee ($millions) | 5.8455% | 1,513 |
| Cash dividends to net income (ytd only)* | 196.7213% | 233 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3184% | 3,310 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 67.3527% | 2,553 |
| Net loans and leases to deposits | 78.7026% | 2,713 |
| Net loans and leases to core deposits | 80.6337% | 3,087 |
| Total domestic deposits to total assets | 85.5787% | 3,141 |
| Equity capital to assets | 9.9872% | 4,166 |
| Core capital (leverage) ratio | 9.3831% | 4,457 |
| Tier 1 risk-based capital ratio | 12.6954% | 4,788 |
| Total risk-based capital ratio | 13.9443% | 4,710 |
| Memoranda: | ||
| Average total assets | $59,264,000 | 5,518 |
| Average earning assets | $55,790,000 | 5,471 |
| Average equity | $5,919,500 | 5,618 |
| Average total loans | $42,745,500 | 5,037 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7935% | 4,515 |
| Cost of funding earning assets | 0.3427% | 4,332 |
| Net interest margin | 3.4508% | 3,977 |
| Noninterest income to average assets | 0.4411% | 3,889 |
| Noninterest expense to average assets | 1.9707% | 5,822 |
| Loan and lease loss provision to assets | 0.1022% | 2,446 |
| Net operating income to assets | 1.5687% | 760 |
| Return on assets (ROA) | 1.5687% | 793 |
| Pretax return on assets | 1.6096% | 1,211 |
| Return on Equity (ROE) | 16.4370% | 559 |
| Retained earnings to average equity (ytd only) | 9.3875% | 623 |
| Net charge-offs to loans | -0.0663% | 6,013 |
| Credit loss provision to net charge-offs | -214.2857% | 5,641 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.5153% | 5,881 |
| Assets per employee ($millions) | 6.6748% | 964 |
| Cash dividends to net income (ytd only)* | 42.8882% | 2,704 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0835% | 4,622 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 75.0753% | 1,409 |
| Net loans and leases to deposits | 88.9125% | 1,626 |
| Net loans and leases to core deposits | 91.0872% | 2,180 |
| Total domestic deposits to total assets | 84.4373% | 3,543 |
| Equity capital to assets | 9.9895% | 4,126 |
| Core capital (leverage) ratio | 9.6011% | 4,098 |
| Tier 1 risk-based capital ratio | 11.4031% | 5,718 |
| Total risk-based capital ratio | 12.4578% | 5,743 |
| Memoranda: | ||
| Average total assets | $58,710,200 | 5,579 |
| Average earning assets | $55,147,400 | 5,546 |
| Average equity | $5,603,200 | 5,717 |
| Average total loans | $42,201,000 | 5,094 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7834% | 4,602 |
| Cost of funding earning assets | 0.3426% | 4,428 |
| Net interest margin | 3.4408% | 4,061 |
| Noninterest income to average assets | 0.3906% | 4,318 |
| Noninterest expense to average assets | 1.9302% | 5,900 |
| Loan and lease loss provision to assets | 0.1028% | 2,319 |
| Net operating income to assets | 1.5510% | 843 |
| Return on assets (ROA) | 1.5510% | 873 |
| Pretax return on assets | 1.5921% | 1,350 |
| Return on Equity (ROE) | 16.4490% | 623 |
| Retained earnings to average equity (ytd only) | 6.8800% | 1,883 |
| Net charge-offs to loans | -0.0742% | 6,048 |
| Credit loss provision to net charge-offs | -195.6522% | 5,555 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.2451% | 5,898 |
| Assets per employee ($millions) | 6.4381% | 1,052 |
| Cash dividends to net income (ytd only)* | 58.1734% | 1,465 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1256% | 4,633 |
| Loan loss allowance to noncurrent loans | 498.9474% | 971 |
| Noncurrent assets plus other real estate owned to assets | 0.1640% | 5,535 |
| Noncurrent loans to loans | 0.2256% | 5,219 |
| Net loans and leases to total assets | 71.8603% | 1,876 |
| Net loans and leases to deposits | 84.8197% | 2,057 |
| Net loans and leases to core deposits | 86.9578% | 2,550 |
| Total domestic deposits to total assets | 84.7212% | 3,448 |
| Equity capital to assets | 9.9529% | 4,223 |
| Core capital (leverage) ratio | 9.3058% | 4,630 |
| Tier 1 risk-based capital ratio | 11.7311% | 5,657 |
| Total risk-based capital ratio | 12.8219% | 5,676 |
| Memoranda: | ||
| Average total assets | $58,369,500 | 5,652 |
| Average earning assets | $54,870,250 | 5,617 |
| Average equity | $5,503,750 | 5,800 |
| Average total loans | $41,352,750 | 5,177 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7156% | 4,811 |
| Cost of funding earning assets | 0.3384% | 4,554 |
| Net interest margin | 3.3772% | 4,273 |
| Noninterest income to average assets | 0.2974% | 5,033 |
| Noninterest expense to average assets | 1.9176% | 5,971 |
| Loan and lease loss provision to assets | 0.1025% | 2,308 |
| Net operating income to assets | 1.4083% | 1,044 |
| Return on assets (ROA) | 1.4083% | 1,084 |
| Pretax return on assets | 1.4493% | 1,716 |
| Return on Equity (ROE) | 15.2142% | 758 |
| Retained earnings to average equity (ytd only) | 0.6278% | 5,483 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.2709% | 5,810 |
| Assets per employee ($millions) | 6.5867% | 969 |
| Cash dividends to net income (ytd only)* | 95.8738% | 582 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0285% | 5,218 |
| Loan loss allowance to noncurrent loans | 458.9474% | 1,014 |
| Noncurrent assets plus other real estate owned to assets | 0.1603% | 5,673 |
| Noncurrent loans to loans | 0.2241% | 5,329 |
| Net loans and leases to total assets | 70.7777% | 1,956 |
| Net loans and leases to deposits | 86.0109% | 1,814 |
| Net loans and leases to core deposits | 87.2686% | 2,387 |
| Total domestic deposits to total assets | 82.2891% | 4,551 |
| Equity capital to assets | 9.2864% | 4,995 |
| Core capital (leverage) ratio | 8.7711% | 5,306 |
| Tier 1 risk-based capital ratio | 11.0061% | 6,049 |
| Total risk-based capital ratio | 11.9992% | 6,106 |
| Memoranda: | ||
| Average total assets | $58,511,670 | 5,701 |
| Average earning assets | $54,957,000 | 5,664 |
| Average equity | $5,416,000 | 5,859 |
| Average total loans | $41,099,670 | 5,226 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6896% | 4,882 |
| Cost of funding earning assets | 0.3454% | 4,581 |
| Net interest margin | 3.3441% | 4,356 |
| Noninterest income to average assets | 0.3234% | 4,780 |
| Noninterest expense to average assets | 1.8993% | 6,065 |
| Loan and lease loss provision to assets | 0.1032% | 2,202 |
| Net operating income to assets | 1.4107% | 970 |
| Return on assets (ROA) | 1.4107% | 1,013 |
| Pretax return on assets | 1.4520% | 1,579 |
| Return on Equity (ROE) | 15.2658% | 740 |
| Retained earnings to average equity (ytd only) | -14.1487% | 6,452 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.9801% | 5,926 |
| Assets per employee ($millions) | 6.3419% | 1,089 |
| Cash dividends to net income (ytd only)* | 192.6829% | 273 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1041% | 5,099 |
| Loan loss allowance to noncurrent loans | 443.1579% | 1,044 |
| Noncurrent assets plus other real estate owned to assets | 0.1664% | 5,738 |
| Noncurrent loans to loans | 0.2491% | 5,359 |
| Net loans and leases to total assets | 66.0704% | 2,551 |
| Net loans and leases to deposits | 75.2114% | 2,919 |
| Net loans and leases to core deposits | 76.2763% | 3,381 |
| Total domestic deposits to total assets | 87.8462% | 2,314 |
| Equity capital to assets | 9.2594% | 4,800 |
| Core capital (leverage) ratio | 8.3270% | 5,824 |
| Tier 1 risk-based capital ratio | 11.7852% | 5,770 |
| Total risk-based capital ratio | 12.8580% | 5,807 |
| Memoranda: | ||
| Average total assets | $58,127,500 | 5,764 |
| Average earning assets | $54,423,500 | 5,726 |
| Average equity | $5,371,500 | 5,907 |
| Average total loans | $40,453,000 | 5,299 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7045% | 5,121 |
| Cost of funding earning assets | 0.3968% | 4,686 |
| Net interest margin | 3.3078% | 4,636 |
| Noninterest income to average assets | 0.4153% | 4,338 |
| Noninterest expense to average assets | 1.9596% | 6,086 |
| Loan and lease loss provision to assets | 0.1060% | 3,023 |
| Net operating income to assets | 1.3730% | 1,081 |
| Return on assets (ROA) | 1.3730% | 1,122 |
| Pretax return on assets | 1.4136% | 1,739 |
| Return on Equity (ROE) | 15.0792% | 747 |
| Retained earnings to average equity (ytd only) | 8.9660% | 775 |
| Net charge-offs to loans | 0.1289% | 3,523 |
| Credit loss provision to net charge-offs | 120.0000% | 1,989 |
| Earnings coverage of net charge-offs (x) | 17.2000% | 1,733 |
| Efficiency ratio | 56.3230% | 5,913 |
| Assets per employee ($millions) | 6.5753% | 953 |
| Cash dividends to net income (ytd only)* | 40.5405% | 2,786 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9492% | 5,760 |
| Loan loss allowance to noncurrent loans | 2,030.0000% | 295 |
| Noncurrent assets plus other real estate owned to assets | 0.0338% | 6,279 |
| Noncurrent loans to loans | 0.0468% | 6,094 |
| Net loans and leases to total assets | 71.5942% | 1,755 |
| Net loans and leases to deposits | 85.9287% | 1,694 |
| Net loans and leases to core deposits | 87.1626% | 2,330 |
| Total domestic deposits to total assets | 83.3181% | 4,421 |
| Equity capital to assets | 9.2230% | 4,778 |
| Core capital (leverage) ratio | 8.9727% | 5,047 |
| Tier 1 risk-based capital ratio | 10.9100% | 6,211 |
| Total risk-based capital ratio | 11.8299% | 6,300 |
| Memoranda: | ||
| Average total assets | $56,591,800 | 5,847 |
| Average earning assets | $52,422,200 | 5,821 |
| Average equity | $5,152,800 | 6,030 |
| Average total loans | $38,798,200 | 5,398 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7089% | 5,146 |
| Cost of funding earning assets | 0.4150% | 4,674 |
| Net interest margin | 3.2940% | 4,661 |
| Noninterest income to average assets | 0.3956% | 4,563 |
| Noninterest expense to average assets | 1.9376% | 6,124 |
| Loan and lease loss provision to assets | 0.1072% | 2,972 |
| Net operating income to assets | 1.3584% | 1,209 |
| Return on assets (ROA) | 1.3584% | 1,253 |
| Pretax return on assets | 1.3966% | 1,938 |
| Return on Equity (ROE) | 14.9706% | 801 |
| Retained earnings to average equity (ytd only) | 6.6973% | 2,036 |
| Net charge-offs to loans | 0.1516% | 3,025 |
| Credit loss provision to net charge-offs | 104.6512% | 2,235 |
| Earnings coverage of net charge-offs (x) | 14.6749% | 1,924 |
| Efficiency ratio | 56.3019% | 5,867 |
| Assets per employee ($millions) | 6.0908% | 1,183 |
| Cash dividends to net income (ytd only)* | 55.2633% | 1,642 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0258% | 5,617 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 70.0531% | 1,954 |
| Net loans and leases to deposits | 81.9536% | 2,146 |
| Net loans and leases to core deposits | 83.1875% | 2,742 |
| Total domestic deposits to total assets | 85.4790% | 3,503 |
| Equity capital to assets | 9.6029% | 4,411 |
| Core capital (leverage) ratio | 8.6512% | 5,599 |
| Tier 1 risk-based capital ratio | 11.5157% | 6,052 |
| Total risk-based capital ratio | 12.5103% | 6,132 |
| Memoranda: | ||
| Average total assets | $55,945,250 | 5,935 |
| Average earning assets | $51,729,750 | 5,908 |
| Average equity | $5,076,500 | 6,117 |
| Average total loans | $37,804,250 | 5,486 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6392% | 5,325 |
| Cost of funding earning assets | 0.4184% | 4,769 |
| Net interest margin | 3.2208% | 4,867 |
| Noninterest income to average assets | 0.3018% | 5,293 |
| Noninterest expense to average assets | 1.9105% | 6,200 |
| Loan and lease loss provision to assets | 0.1065% | 3,018 |
| Net operating income to assets | 1.2251% | 1,530 |
| Return on assets (ROA) | 1.2251% | 1,634 |
| Pretax return on assets | 1.2642% | 2,426 |
| Return on Equity (ROE) | 13.7615% | 1,058 |
| Retained earnings to average equity (ytd only) | 1.1966% | 5,424 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.2251% | 5,702 |
| Assets per employee ($millions) | 6.1292% | 1,110 |
| Cash dividends to net income (ytd only)* | 91.3043% | 660 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1583% | 5,199 |
| Loan loss allowance to noncurrent loans | 1,039.0244% | 452 |
| Noncurrent assets plus other real estate owned to assets | 0.0743% | 6,279 |
| Noncurrent loans to loans | 0.1115% | 6,063 |
| Net loans and leases to total assets | 65.8992% | 2,615 |
| Net loans and leases to deposits | 75.1556% | 2,998 |
| Net loans and leases to core deposits | 76.2464% | 3,517 |
| Total domestic deposits to total assets | 87.6838% | 2,449 |
| Equity capital to assets | 9.1184% | 5,080 |
| Core capital (leverage) ratio | 7.9755% | 6,203 |
| Tier 1 risk-based capital ratio | 11.4245% | 6,150 |
| Total risk-based capital ratio | 12.5352% | 6,178 |
| Memoranda: | ||
| Average total assets | $56,321,330 | 5,966 |
| Average earning assets | $52,098,670 | 5,935 |
| Average equity | $5,014,000 | 6,180 |
| Average total loans | $37,472,670 | 5,522 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5960% | 5,465 |
| Cost of funding earning assets | 0.3801% | 5,284 |
| Net interest margin | 3.2158% | 4,867 |
| Noninterest income to average assets | 0.2953% | 5,345 |
| Noninterest expense to average assets | 1.8981% | 6,278 |
| Loan and lease loss provision to assets | 0.1054% | 2,924 |
| Net operating income to assets | 1.2302% | 1,434 |
| Return on assets (ROA) | 1.2302% | 1,546 |
| Pretax return on assets | 1.2654% | 2,355 |
| Return on Equity (ROE) | 13.9832% | 967 |
| Retained earnings to average equity (ytd only) | -10.7871% | 6,643 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0645% | 5,840 |
| Assets per employee ($millions) | 6.4343% | 1,007 |
| Cash dividends to net income (ytd only)* | 177.1429% | 274 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1867% | 5,235 |
| Loan loss allowance to noncurrent loans | 1,002.4390% | 471 |
| Noncurrent assets plus other real estate owned to assets | 0.0708% | 6,389 |
| Noncurrent loans to loans | 0.1184% | 6,119 |
| Net loans and leases to total assets | 59.0962% | 3,584 |
| Net loans and leases to deposits | 66.3706% | 4,005 |
| Net loans and leases to core deposits | 67.2708% | 4,379 |
| Total domestic deposits to total assets | 89.0397% | 1,659 |
| Equity capital to assets | 8.5254% | 5,995 |
| Core capital (leverage) ratio | 7.6428% | 6,393 |
| Tier 1 risk-based capital ratio | 11.4309% | 6,221 |
| Total risk-based capital ratio | 12.5447% | 6,252 |
| Memoranda: | ||
| Average total assets | $56,900,500 | 6,000 |
| Average earning assets | $52,614,500 | 5,961 |
| Average equity | $5,006,000 | 6,243 |
| Average total loans | $37,820,000 | 5,551 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0831% | 5,008 |
| Cost of funding earning assets | 0.6269% | 4,127 |
| Net interest margin | 3.4562% | 4,685 |
| Noninterest income to average assets | 0.3175% | 5,185 |
| Noninterest expense to average assets | 2.1215% | 6,081 |
| Loan and lease loss provision to assets | 0.0581% | 5,050 |
| Net operating income to assets | 1.2582% | 1,428 |
| Return on assets (ROA) | 1.2582% | 1,584 |
| Pretax return on assets | 1.2969% | 2,414 |
| Return on Equity (ROE) | 13.7607% | 1,041 |
| Retained earnings to average equity (ytd only) | 13.6125% | 220 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0245% | 5,383 |
| Assets per employee ($millions) | 6.2102% | 1,161 |
| Cash dividends to net income (ytd only)* | 1.0769% | 4,288 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9657% | 6,078 |
| Loan loss allowance to noncurrent loans | 920.9302% | 493 |
| Noncurrent assets plus other real estate owned to assets | 0.0769% | 6,417 |
| Noncurrent loans to loans | 0.1049% | 6,225 |
| Net loans and leases to total assets | 72.6598% | 1,398 |
| Net loans and leases to deposits | 86.1735% | 1,494 |
| Net loans and leases to core deposits | 86.7701% | 2,216 |
| Total domestic deposits to total assets | 84.3180% | 4,173 |
| Equity capital to assets | 9.0800% | 5,427 |
| Core capital (leverage) ratio | 8.5111% | 5,590 |
| Tier 1 risk-based capital ratio | 10.3227% | 6,608 |
| Total risk-based capital ratio | 11.2618% | 6,662 |
| Memoranda: | ||
| Average total assets | $51,661,000 | 6,156 |
| Average earning assets | $47,219,600 | 6,145 |
| Average equity | $4,723,600 | 6,376 |
| Average total loans | $34,720,000 | 5,727 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1391% | 5,044 |
| Cost of funding earning assets | 0.6653% | 4,061 |
| Net interest margin | 3.4738% | 4,737 |
| Noninterest income to average assets | 0.2240% | 5,950 |
| Noninterest expense to average assets | 2.1342% | 6,104 |
| Loan and lease loss provision to assets | 0.0606% | 4,958 |
| Net operating income to assets | 1.1593% | 1,871 |
| Return on assets (ROA) | 1.1593% | 2,065 |
| Pretax return on assets | 1.1936% | 3,008 |
| Return on Equity (ROE) | 12.6549% | 1,423 |
| Retained earnings to average equity (ytd only) | 12.4536% | 456 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9860% | 4,978 |
| Assets per employee ($millions) | 5.6517% | 1,497 |
| Cash dividends to net income (ytd only)* | 1.5904% | 3,694 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0829% | 5,788 |
| Loan loss allowance to noncurrent loans | 718.5185% | 572 |
| Noncurrent assets plus other real estate owned to assets | 0.1062% | 6,460 |
| Noncurrent loans to loans | 0.1507% | 6,232 |
| Net loans and leases to total assets | 69.6766% | 1,976 |
| Net loans and leases to deposits | 81.6895% | 2,167 |
| Net loans and leases to core deposits | 82.2984% | 2,924 |
| Total domestic deposits to total assets | 85.2944% | 3,621 |
| Equity capital to assets | 9.6215% | 5,033 |
| Core capital (leverage) ratio | 8.3621% | 5,933 |
| Tier 1 risk-based capital ratio | 10.4631% | 6,679 |
| Total risk-based capital ratio | 11.4427% | 6,733 |
| Memoranda: | ||
| Average total assets | $50,603,250 | 6,268 |
| Average earning assets | $46,096,000 | 6,245 |
| Average equity | $4,635,750 | 6,478 |
| Average total loans | $33,148,250 | 5,865 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0377% | 5,523 |
| Cost of funding earning assets | 0.6896% | 4,098 |
| Net interest margin | 3.3481% | 5,279 |
| Noninterest income to average assets | 0.0831% | 6,746 |
| Noninterest expense to average assets | 2.1577% | 6,110 |
| Loan and lease loss provision to assets | 0.0594% | 4,908 |
| Net operating income to assets | 0.8868% | 2,972 |
| Return on assets (ROA) | 0.8868% | 3,233 |
| Pretax return on assets | 0.9225% | 3,993 |
| Return on Equity (ROE) | 9.8469% | 2,418 |
| Retained earnings to average equity (ytd only) | 9.8469% | 1,014 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7264% | 3,989 |
| Assets per employee ($millions) | 5.6079% | 1,519 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1260% | 5,665 |
| Loan loss allowance to noncurrent loans | 886.0465% | 462 |
| Noncurrent assets plus other real estate owned to assets | 0.0852% | 6,593 |
| Noncurrent loans to loans | 0.1271% | 6,348 |
| Net loans and leases to total assets | 66.2896% | 2,612 |
| Net loans and leases to deposits | 78.0065% | 2,666 |
| Net loans and leases to core deposits | 78.5911% | 3,436 |
| Total domestic deposits to total assets | 84.9795% | 3,876 |
| Equity capital to assets | 9.2429% | 5,411 |
| Core capital (leverage) ratio | 8.1376% | 6,112 |
| Tier 1 risk-based capital ratio | 11.1350% | 6,436 |
| Total risk-based capital ratio | 12.2131% | 6,496 |
| Memoranda: | ||
| Average total assets | $50,516,000 | 6,309 |
| Average earning assets | $46,115,670 | 6,284 |
| Average equity | $4,549,670 | 6,532 |
| Average total loans | $32,254,670 | 5,954 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1079% | 5,423 |
| Cost of funding earning assets | 0.7122% | 4,182 |
| Net interest margin | 3.3958% | 5,142 |
| Noninterest income to average assets | 0.3087% | 5,414 |
| Noninterest expense to average assets | 2.3111% | 5,739 |
| Loan and lease loss provision to assets | 0.0554% | 4,713 |
| Net operating income to assets | 1.0052% | 2,464 |
| Return on assets (ROA) | 1.0052% | 2,652 |
| Pretax return on assets | 1.0368% | 3,546 |
| Return on Equity (ROE) | 11.3090% | 1,903 |
| Retained earnings to average equity (ytd only) | 11.3090% | 962 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9070% | 4,191 |
| Assets per employee ($millions) | 5.5881% | 1,621 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3039% | 5,005 |
| Loan loss allowance to noncurrent loans | 867.4419% | 438 |
| Noncurrent assets plus other real estate owned to assets | 0.3181% | 6,095 |
| Noncurrent loans to loans | 0.1503% | 6,381 |
| Net loans and leases to total assets | 56.1390% | 4,355 |
| Net loans and leases to deposits | 65.2040% | 4,464 |
| Net loans and leases to core deposits | 66.0692% | 4,902 |
| Total domestic deposits to total assets | 86.0975% | 3,470 |
| Equity capital to assets | 9.0728% | 5,398 |
| Core capital (leverage) ratio | 8.0060% | 6,256 |
| Tier 1 risk-based capital ratio | 12.1899% | 5,828 |
| Total risk-based capital ratio | 13.3746% | 5,858 |
| Memoranda: | ||
| Average total assets | $50,538,500 | 6,355 |
| Average earning assets | $46,057,500 | 6,326 |
| Average equity | $4,492,000 | 6,583 |
| Average total loans | $31,463,000 | 6,038 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3920% | 5,455 |
| Cost of funding earning assets | 0.8656% | 4,353 |
| Net interest margin | 3.5263% | 5,040 |
| Noninterest income to average assets | 0.4090% | 4,549 |
| Noninterest expense to average assets | 2.3359% | 5,956 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 1.2987% | 1,253 |
| Return on assets (ROA) | 1.2987% | 1,354 |
| Pretax return on assets | 1.3366% | 1,995 |
| Return on Equity (ROE) | 14.2250% | 879 |
| Retained earnings to average equity (ytd only) | 6.6045% | 1,692 |
| Net charge-offs to loans | 0.1446% | 4,988 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 14.0889% | 1,486 |
| Efficiency ratio | 63.6051% | 5,194 |
| Assets per employee ($millions) | 5.6427% | 1,488 |
| Cash dividends to net income (ytd only)* | 53.5714% | 1,878 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0665% | 5,937 |
| Loan loss allowance to noncurrent loans | 892.6829% | 430 |
| Noncurrent assets plus other real estate owned to assets | 0.3505% | 6,097 |
| Noncurrent loans to loans | 0.1195% | 6,515 |
| Net loans and leases to total assets | 66.8577% | 2,618 |
| Net loans and leases to deposits | 81.8066% | 2,226 |
| Net loans and leases to core deposits | 81.8066% | 3,207 |
| Total domestic deposits to total assets | 81.7265% | 5,221 |
| Equity capital to assets | 8.7055% | 5,889 |
| Core capital (leverage) ratio | 8.1647% | 6,047 |
| Tier 1 risk-based capital ratio | 10.2644% | 6,778 |
| Total risk-based capital ratio | 11.2768% | 6,837 |
| Memoranda: | ||
| Average total assets | $47,433,800 | 6,442 |
| Average earning assets | $43,898,400 | 6,391 |
| Average equity | $4,330,400 | 6,648 |
| Average total loans | $31,124,600 | 6,117 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4101% | 5,576 |
| Cost of funding earning assets | 0.8968% | 4,422 |
| Net interest margin | 3.5134% | 5,131 |
| Noninterest income to average assets | 0.4092% | 4,600 |
| Noninterest expense to average assets | 2.3893% | 5,792 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.2619% | 1,478 |
| Return on assets (ROA) | 1.2619% | 1,588 |
| Pretax return on assets | 1.2934% | 2,309 |
| Return on Equity (ROE) | 13.6496% | 1,123 |
| Retained earnings to average equity (ytd only) | 13.2471% | 355 |
| Net charge-offs to loans | 0.1979% | 4,217 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 10.0442% | 1,975 |
| Efficiency ratio | 64.8796% | 4,921 |
| Assets per employee ($millions) | 5.1169% | 2,044 |
| Cash dividends to net income (ytd only)* | 2.9473% | 3,459 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0742% | 5,977 |
| Loan loss allowance to noncurrent loans | 892.6829% | 398 |
| Noncurrent assets plus other real estate owned to assets | 0.4213% | 6,024 |
| Noncurrent loans to loans | 0.1203% | 6,633 |
| Net loans and leases to total assets | 73.1933% | 1,470 |
| Net loans and leases to deposits | 91.3865% | 1,063 |
| Net loans and leases to core deposits | 91.3865% | 2,069 |
| Total domestic deposits to total assets | 80.0921% | 5,708 |
| Equity capital to assets | 9.9648% | 4,389 |
| Core capital (leverage) ratio | 8.8959% | 5,111 |
| Tier 1 risk-based capital ratio | 10.7969% | 6,666 |
| Total risk-based capital ratio | 11.5957% | 6,828 |
| Memoranda: | ||
| Average total assets | $46,596,250 | 6,523 |
| Average earning assets | $43,414,000 | 6,465 |
| Average equity | $4,307,750 | 6,705 |
| Average total loans | $30,326,000 | 6,204 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2797% | 6,080 |
| Cost of funding earning assets | 0.9164% | 4,538 |
| Net interest margin | 3.3633% | 5,669 |
| Noninterest income to average assets | 0.3506% | 5,083 |
| Noninterest expense to average assets | 2.3900% | 5,873 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.0689% | 1,975 |
| Return on assets (ROA) | 1.0689% | 2,063 |
| Pretax return on assets | 1.0988% | 2,858 |
| Return on Equity (ROE) | 11.8652% | 1,535 |
| Retained earnings to average equity (ytd only) | 11.8652% | 532 |
| Net charge-offs to loans | 0.3095% | 3,324 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 5.7111% | 2,545 |
| Efficiency ratio | 68.5049% | 4,421 |
| Assets per employee ($millions) | 4.5959% | 2,690 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2438% | 5,348 |
| Loan loss allowance to noncurrent loans | 420.6897% | 773 |
| Noncurrent assets plus other real estate owned to assets | 0.5222% | 5,866 |
| Noncurrent loans to loans | 0.2956% | 6,323 |
| Net loans and leases to total assets | 63.2324% | 3,633 |
| Net loans and leases to deposits | 77.2426% | 3,260 |
| Net loans and leases to core deposits | 77.2426% | 4,157 |
| Total domestic deposits to total assets | 81.8621% | 5,211 |
| Equity capital to assets | 9.5803% | 4,688 |
| Core capital (leverage) ratio | 8.2397% | 5,966 |
| Tier 1 risk-based capital ratio | 11.5440% | 6,139 |
| Total risk-based capital ratio | 12.5935% | 6,280 |
| Memoranda: | ||
| Average total assets | $46,777,670 | 6,571 |
| Average earning assets | $43,648,000 | 6,519 |
| Average equity | $4,214,000 | 6,776 |
| Average total loans | $29,077,000 | 6,322 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1030% | 6,492 |
| Cost of funding earning assets | 0.9350% | 4,689 |
| Net interest margin | 3.1680% | 6,172 |
| Noninterest income to average assets | 0.3306% | 5,256 |
| Noninterest expense to average assets | 2.3905% | 5,909 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.8646% | 2,724 |
| Return on assets (ROA) | 0.8646% | 2,782 |
| Pretax return on assets | 0.8986% | 3,502 |
| Return on Equity (ROE) | 9.9041% | 2,132 |
| Retained earnings to average equity (ytd only) | 9.9041% | 1,140 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6804% | 3,734 |
| Assets per employee ($millions) | 4.8344% | 2,369 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4511% | 4,433 |
| Loan loss allowance to noncurrent loans | 477.9070% | 664 |
| Noncurrent assets plus other real estate owned to assets | 0.5254% | 5,926 |
| Noncurrent loans to loans | 0.3036% | 6,379 |
| Net loans and leases to total assets | 57.7362% | 4,683 |
| Net loans and leases to deposits | 70.4528% | 4,278 |
| Net loans and leases to core deposits | 70.4528% | 4,987 |
| Total domestic deposits to total assets | 81.9502% | 5,334 |
| Equity capital to assets | 8.5843% | 5,793 |
| Core capital (leverage) ratio | 8.0523% | 6,186 |
| Tier 1 risk-based capital ratio | 11.1048% | 6,431 |
| Total risk-based capital ratio | 12.3551% | 6,403 |
| Memoranda: | ||
| Average total assets | $47,187,000 | 6,609 |
| Average earning assets | $44,065,000 | 6,557 |
| Average equity | $4,119,500 | 6,840 |
| Average total loans | $28,902,000 | 6,376 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7346% | 5,673 |
| Cost of funding earning assets | 1.3065% | 3,842 |
| Net interest margin | 3.4280% | 5,519 |
| Noninterest income to average assets | 0.4601% | 4,440 |
| Noninterest expense to average assets | 2.4552% | 5,928 |
| Loan and lease loss provision to assets | 0.1174% | 5,984 |
| Net operating income to assets | 1.0117% | 1,990 |
| Return on assets (ROA) | 1.0117% | 2,100 |
| Pretax return on assets | 1.0469% | 2,784 |
| Return on Equity (ROE) | 10.1853% | 1,859 |
| Retained earnings to average equity (ytd only) | 0.6144% | 5,270 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8340% | 4,594 |
| Assets per employee ($millions) | 5.1144% | 1,995 |
| Cash dividends to net income (ytd only)* | 93.9675% | 493 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3941% | 4,545 |
| Loan loss allowance to noncurrent loans | 477.9070% | 667 |
| Noncurrent assets plus other real estate owned to assets | 0.5931% | 5,837 |
| Noncurrent loans to loans | 0.2917% | 6,474 |
| Net loans and leases to total assets | 63.1545% | 4,038 |
| Net loans and leases to deposits | 80.9411% | 3,002 |
| Net loans and leases to core deposits | 80.9411% | 4,069 |
| Total domestic deposits to total assets | 78.0252% | 6,307 |
| Equity capital to assets | 8.8833% | 5,314 |
| Core capital (leverage) ratio | 8.0909% | 6,036 |
| Tier 1 risk-based capital ratio | 10.6920% | 6,573 |
| Total risk-based capital ratio | 11.9410% | 6,545 |
| Memoranda: | ||
| Average total assets | $42,602,600 | 6,779 |
| Average earning assets | $39,264,400 | 6,744 |
| Average equity | $4,231,600 | 6,908 |
| Average total loans | $27,446,800 | 6,529 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8698% | 5,397 |
| Cost of funding earning assets | 1.3964% | 3,607 |
| Net interest margin | 3.4735% | 5,403 |
| Noninterest income to average assets | 0.4503% | 4,560 |
| Noninterest expense to average assets | 2.3507% | 6,171 |
| Loan and lease loss provision to assets | 0.1437% | 5,596 |
| Net operating income to assets | 1.1147% | 1,838 |
| Return on assets (ROA) | 1.1147% | 1,947 |
| Pretax return on assets | 1.1498% | 2,671 |
| Return on Equity (ROE) | 10.9044% | 1,816 |
| Retained earnings to average equity (ytd only) | 10.2797% | 734 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5048% | 5,153 |
| Assets per employee ($millions) | 4.3963% | 3,087 |
| Cash dividends to net income (ytd only)* | 5.7315% | 3,425 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3461% | 4,727 |
| Loan loss allowance to noncurrent loans | 472.0930% | 641 |
| Noncurrent assets plus other real estate owned to assets | 0.6187% | 5,892 |
| Noncurrent loans to loans | 0.2851% | 6,618 |
| Net loans and leases to total assets | 67.6842% | 3,295 |
| Net loans and leases to deposits | 87.2712% | 2,112 |
| Net loans and leases to core deposits | 88.1137% | 3,356 |
| Total domestic deposits to total assets | 77.5561% | 6,357 |
| Equity capital to assets | 10.1062% | 4,010 |
| Core capital (leverage) ratio | 9.1638% | 4,435 |
| Tier 1 risk-based capital ratio | 11.5127% | 5,922 |
| Total risk-based capital ratio | 12.7637% | 5,905 |
| Memoranda: | ||
| Average total assets | $41,745,750 | 6,891 |
| Average earning assets | $38,385,000 | 6,862 |
| Average equity | $4,267,250 | 6,988 |
| Average total loans | $26,938,250 | 6,645 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9166% | 5,317 |
| Cost of funding earning assets | 1.4564% | 3,521 |
| Net interest margin | 3.4602% | 5,400 |
| Noninterest income to average assets | 0.4194% | 4,760 |
| Noninterest expense to average assets | 2.3801% | 6,115 |
| Loan and lease loss provision to assets | 0.1463% | 5,433 |
| Net operating income to assets | 1.0291% | 2,086 |
| Return on assets (ROA) | 1.0291% | 2,162 |
| Pretax return on assets | 1.0681% | 2,880 |
| Return on Equity (ROE) | 10.0269% | 2,098 |
| Retained earnings to average equity (ytd only) | 10.0269% | 838 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2144% | 4,946 |
| Assets per employee ($millions) | 4.5551% | 2,783 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4410% | 4,227 |
| Loan loss allowance to noncurrent loans | 143.2234% | 1,941 |
| Noncurrent assets plus other real estate owned to assets | 0.6659% | 5,821 |
| Noncurrent loans to loans | 1.0061% | 5,301 |
| Net loans and leases to total assets | 65.2332% | 4,000 |
| Net loans and leases to deposits | 79.0675% | 3,784 |
| Net loans and leases to core deposits | 80.5561% | 4,620 |
| Total domestic deposits to total assets | 82.5032% | 4,781 |
| Equity capital to assets | 10.5693% | 3,327 |
| Core capital (leverage) ratio | 8.6915% | 5,087 |
| Tier 1 risk-based capital ratio | 12.5295% | 4,833 |
| Total risk-based capital ratio | 13.7825% | 4,802 |
| Memoranda: | ||
| Average total assets | $41,006,670 | 6,961 |
| Average earning assets | $37,628,000 | 6,942 |
| Average equity | $4,208,670 | 7,043 |
| Average total loans | $25,863,670 | 6,750 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8539% | 5,671 |
| Cost of funding earning assets | 1.4968% | 3,581 |
| Net interest margin | 3.3571% | 5,760 |
| Noninterest income to average assets | 0.3804% | 5,092 |
| Noninterest expense to average assets | 2.3310% | 6,305 |
| Loan and lease loss provision to assets | 0.1463% | 5,085 |
| Net operating income to assets | 0.9266% | 2,445 |
| Return on assets (ROA) | 0.9266% | 2,508 |
| Pretax return on assets | 0.9656% | 3,214 |
| Return on Equity (ROE) | 9.1644% | 2,439 |
| Retained earnings to average equity (ytd only) | 9.1644% | 1,355 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7054% | 4,782 |
| Assets per employee ($millions) | 4.6211% | 2,763 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4835% | 3,990 |
| Loan loss allowance to noncurrent loans | 51.9337% | 4,856 |
| Noncurrent assets plus other real estate owned to assets | 1.7408% | 3,867 |
| Noncurrent loans to loans | 2.8566% | 2,818 |
| Net loans and leases to total assets | 60.0361% | 5,115 |
| Net loans and leases to deposits | 73.2444% | 4,866 |
| Net loans and leases to core deposits | 73.2444% | 5,585 |
| Total domestic deposits to total assets | 81.9668% | 5,084 |
| Equity capital to assets | 10.0842% | 3,762 |
| Core capital (leverage) ratio | 8.6473% | 5,121 |
| Tier 1 risk-based capital ratio | 12.5801% | 4,659 |
| Total risk-based capital ratio | 13.8299% | 4,629 |
| Memoranda: | ||
| Average total assets | $41,012,000 | 7,055 |
| Average earning assets | $37,413,500 | 7,040 |
| Average equity | $4,146,500 | 7,126 |
| Average total loans | $25,228,500 | 6,866 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3669% | 4,852 |
| Cost of funding earning assets | 1.8166% | 3,905 |
| Net interest margin | 3.5503% | 4,746 |
| Noninterest income to average assets | 0.5601% | 3,944 |
| Noninterest expense to average assets | 2.3086% | 6,727 |
| Loan and lease loss provision to assets | 0.4895% | 3,925 |
| Net operating income to assets | 0.9570% | 1,990 |
| Return on assets (ROA) | 0.9570% | 2,041 |
| Pretax return on assets | 0.9936% | 2,612 |
| Return on Equity (ROE) | 9.6319% | 1,803 |
| Retained earnings to average equity (ytd only) | 0.8088% | 4,449 |
| Net charge-offs to loans | 0.7941% | 2,837 |
| Credit loss provision to net charge-offs | 95.7143% | 5,790 |
| Earnings coverage of net charge-offs (x) | 2.9000% | 3,634 |
| Efficiency ratio | 60.8863% | 6,351 |
| Assets per employee ($millions) | 4.4927% | 2,939 |
| Cash dividends to net income (ytd only)* | 91.6031% | 815 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4376% | 4,040 |
| Loan loss allowance to noncurrent loans | 130.7971% | 2,177 |
| Noncurrent assets plus other real estate owned to assets | 0.6826% | 5,744 |
| Noncurrent loans to loans | 1.0991% | 5,123 |
| Net loans and leases to total assets | 61.2133% | 5,156 |
| Net loans and leases to deposits | 75.8070% | 4,772 |
| Net loans and leases to core deposits | 80.0175% | 6,100 |
| Total domestic deposits to total assets | 80.7489% | 5,423 |
| Equity capital to assets | 10.1375% | 3,576 |
| Core capital (leverage) ratio | 8.6481% | 5,017 |
| Tier 1 risk-based capital ratio | 11.5484% | 5,347 |
| Total risk-based capital ratio | 12.7515% | 5,354 |
| Memoranda: | ||
| Average total assets | $41,064,000 | 7,049 |
| Average earning assets | $37,377,000 | 7,038 |
| Average equity | $4,080,200 | 7,258 |
| Average total loans | $26,443,400 | 6,832 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4396% | 4,743 |
| Cost of funding earning assets | 1.8840% | 3,962 |
| Net interest margin | 3.5556% | 4,654 |
| Noninterest income to average assets | 0.5305% | 4,235 |
| Noninterest expense to average assets | 2.3062% | 6,685 |
| Loan and lease loss provision to assets | 0.6501% | 2,805 |
| Net operating income to assets | 0.7860% | 2,875 |
| Return on assets (ROA) | 0.7860% | 2,937 |
| Pretax return on assets | 0.8216% | 3,468 |
| Return on Equity (ROE) | 7.9497% | 2,659 |
| Retained earnings to average equity (ytd only) | 7.1319% | 1,453 |
| Net charge-offs to loans | 1.0457% | 1,891 |
| Credit loss provision to net charge-offs | 95.7143% | 5,314 |
| Earnings coverage of net charge-offs (x) | 2.1667% | 4,204 |
| Efficiency ratio | 61.0445% | 6,263 |
| Assets per employee ($millions) | 3.9086% | 3,915 |
| Cash dividends to net income (ytd only)* | 10.2874% | 3,513 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3323% | 4,306 |
| Loan loss allowance to noncurrent loans | 132.7206% | 2,139 |
| Noncurrent assets plus other real estate owned to assets | 0.6959% | 5,741 |
| Noncurrent loans to loans | 1.0038% | 5,299 |
| Net loans and leases to total assets | 68.4005% | 3,865 |
| Net loans and leases to deposits | 85.3444% | 3,443 |
| Net loans and leases to core deposits | 90.3087% | 5,403 |
| Total domestic deposits to total assets | 80.1463% | 5,386 |
| Equity capital to assets | 10.9911% | 3,012 |
| Core capital (leverage) ratio | 9.0898% | 4,508 |
| Tier 1 risk-based capital ratio | 11.6615% | 5,284 |
| Total risk-based capital ratio | 12.7616% | 5,367 |
| Memoranda: | ||
| Average total assets | $41,221,500 | 7,097 |
| Average earning assets | $37,649,000 | 7,083 |
| Average equity | $4,075,500 | 7,328 |
| Average total loans | $26,776,250 | 6,869 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3701% | 5,299 |
| Cost of funding earning assets | 1.9864% | 3,842 |
| Net interest margin | 3.3837% | 5,241 |
| Noninterest income to average assets | 0.5103% | 4,356 |
| Noninterest expense to average assets | 2.3180% | 6,715 |
| Loan and lease loss provision to assets | 0.9587% | 1,766 |
| Net operating income to assets | 0.2957% | 4,919 |
| Return on assets (ROA) | 0.2957% | 5,027 |
| Pretax return on assets | 0.3291% | 5,133 |
| Return on Equity (ROE) | 3.0985% | 4,861 |
| Retained earnings to average equity (ytd only) | 3.0985% | 3,592 |
| Net charge-offs to loans | 1.5748% | 1,199 |
| Credit loss provision to net charge-offs | 95.7143% | 4,747 |
| Earnings coverage of net charge-offs (x) | 1.2857% | 4,560 |
| Efficiency ratio | 64.2857% | 5,853 |
| Assets per employee ($millions) | 4.0739% | 3,544 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3436% | 4,020 |
| Loan loss allowance to noncurrent loans | 132.7206% | 2,214 |
| Noncurrent assets plus other real estate owned to assets | 0.6677% | 5,744 |
| Noncurrent loans to loans | 1.0123% | 5,182 |
| Net loans and leases to total assets | 65.0679% | 4,751 |
| Net loans and leases to deposits | 82.7832% | 4,088 |
| Net loans and leases to core deposits | 86.8972% | 5,817 |
| Total domestic deposits to total assets | 78.6004% | 5,925 |
| Equity capital to assets | 10.0518% | 3,869 |
| Core capital (leverage) ratio | 8.1815% | 6,007 |
| Tier 1 risk-based capital ratio | 11.1201% | 5,751 |
| Total risk-based capital ratio | 12.2104% | 5,855 |
| Memoranda: | ||
| Average total assets | $41,933,330 | 7,135 |
| Average earning assets | $38,360,330 | 7,115 |
| Average equity | $4,002,000 | 7,412 |
| Average total loans | $26,669,670 | 6,933 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3428% | 5,694 |
| Cost of funding earning assets | 1.9842% | 4,209 |
| Net interest margin | 3.3586% | 5,291 |
| Noninterest income to average assets | 0.4138% | 5,104 |
| Noninterest expense to average assets | 2.3607% | 6,339 |
| Loan and lease loss provision to assets | 1.8904% | 648 |
| Net operating income to assets | -0.8182% | 7,138 |
| Return on assets (ROA) | -0.8182% | 7,173 |
| Pretax return on assets | -0.7806% | 7,022 |
| Return on Equity (ROE) | -8.7979% | 7,288 |
| Retained earnings to average equity (ytd only) | -8.7979% | 6,999 |
| Net charge-offs to loans | 3.1615% | 404 |
| Credit loss provision to net charge-offs | 95.7143% | 3,878 |
| Earnings coverage of net charge-offs (x) | 0.5619% | 4,546 |
| Efficiency ratio | 68.0217% | 4,964 |
| Assets per employee ($millions) | 4.7184% | 2,415 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3853% | 3,579 |
| Loan loss allowance to noncurrent loans | 132.7206% | 2,393 |
| Noncurrent assets plus other real estate owned to assets | 0.6405% | 5,569 |
| Noncurrent loans to loans | 1.0438% | 4,898 |
| Net loans and leases to total assets | 60.5143% | 5,571 |
| Net loans and leases to deposits | 78.0715% | 4,911 |
| Net loans and leases to core deposits | 83.3945% | 6,103 |
| Total domestic deposits to total assets | 77.5114% | 6,145 |
| Equity capital to assets | 9.2945% | 4,946 |
| Core capital (leverage) ratio | 7.9386% | 6,561 |
| Tier 1 risk-based capital ratio | 10.8039% | 6,090 |
| Total risk-based capital ratio | 11.9311% | 6,116 |
| Memoranda: | ||
| Average total assets | $42,530,500 | 7,145 |
| Average earning assets | $38,706,500 | 7,136 |
| Average equity | $3,955,500 | 7,474 |
| Average total loans | $26,570,000 | 6,974 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2784% | 4,079 |
| Cost of funding earning assets | 2.4508% | 4,469 |
| Net interest margin | 3.8276% | 3,906 |
| Noninterest income to average assets | 0.5783% | 4,019 |
| Noninterest expense to average assets | 2.3490% | 6,571 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.6517% | 745 |
| Return on assets (ROA) | 1.6517% | 717 |
| Pretax return on assets | 1.6898% | 1,165 |
| Return on Equity (ROE) | 17.1443% | 612 |
| Retained earnings to average equity (ytd only) | 1.8281% | 4,095 |
| Net charge-offs to loans | 0.5651% | 2,122 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 4.3827% | 4,002 |
| Efficiency ratio | 58.1615% | 6,670 |
| Assets per employee ($millions) | 4.7328% | 2,280 |
| Cash dividends to net income (ytd only)* | 89.3372% | 1,322 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3626% | 3,407 |
| Loan loss allowance to noncurrent loans | 76.5560% | 4,259 |
| Noncurrent assets plus other real estate owned to assets | 1.1316% | 4,012 |
| Noncurrent loans to loans | 1.7798% | 3,092 |
| Net loans and leases to total assets | 62.7116% | 5,507 |
| Net loans and leases to deposits | 82.5413% | 4,646 |
| Net loans and leases to core deposits | 87.5229% | 6,021 |
| Total domestic deposits to total assets | 75.9761% | 6,244 |
| Equity capital to assets | 9.3063% | 4,930 |
| Core capital (leverage) ratio | 8.1748% | 6,216 |
| Tier 1 risk-based capital ratio | 10.7374% | 5,963 |
| Total risk-based capital ratio | 11.9149% | 5,941 |
| Memoranda: | ||
| Average total assets | $42,017,000 | 7,128 |
| Average earning assets | $37,987,600 | 7,139 |
| Average equity | $4,048,000 | 7,498 |
| Average total loans | $28,669,800 | 6,785 |