Home > Bonduel State Bank > Performance and Condition Ratios
Bonduel State Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3169% | 2,486 |
| Cost of funding earning assets | 2.1876% | 1,472 |
| Net interest margin | 3.1293% | 3,154 |
| Noninterest income to average assets | 0.3100% | 2,795 |
| Noninterest expense to average assets | 1.5222% | 4,200 |
| Loan and lease loss provision to assets | 0.0400% | 2,137 |
| Net operating income to assets | 1.3219% | 1,431 |
| Return on assets (ROA) | 1.3219% | 1,429 |
| Pretax return on assets | 1.5690% | 1,368 |
| Return on Equity (ROE) | 10.4600% | 2,187 |
| Retained earnings to average equity (ytd only) | 10.4648% | 1,087 |
| 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 | 48.6660% | 3,975 |
| Assets per employee ($millions) | 13.6023% | 305 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7436% | 3,979 |
| Loan loss allowance to noncurrent loans | 122.3969% | 2,710 |
| Noncurrent assets plus other real estate owned to assets | 0.4158% | 1,685 |
| Noncurrent loans to loans | 0.6075% | 1,633 |
| Net loans and leases to total assets | 67.9300% | 2,088 |
| Net loans and leases to deposits | 78.6336% | 2,179 |
| Net loans and leases to core deposits | 99.5475% | 1,408 |
| Total domestic deposits to total assets | 86.3900% | 2,162 |
| Equity capital to assets | 12.5501% | 1,044 |
| Core capital (leverage) ratio | 14.0877% | 784 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.2177% | 567 |
| Memoranda: | ||
| Average total assets | $119,823,500 | 3,613 |
| Average earning assets | $107,882,000 | 3,630 |
| Average equity | $15,136,500 | 3,362 |
| Average total loans | $83,094,500 | 3,403 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2145% | 2,705 |
| Cost of funding earning assets | 2.2549% | 1,617 |
| Net interest margin | 2.9596% | 3,214 |
| Noninterest income to average assets | 0.2600% | 3,313 |
| Noninterest expense to average assets | 1.6738% | 4,116 |
| Loan and lease loss provision to assets | 0.1200% | 1,178 |
| Net operating income to assets | 0.9179% | 2,329 |
| Return on assets (ROA) | 0.9164% | 2,334 |
| Pretax return on assets | 1.1227% | 2,177 |
| Return on Equity (ROE) | 7.0500% | 3,004 |
| Retained earnings to average equity (ytd only) | 5.1374% | 2,190 |
| Net charge-offs to loans | 0.0094% | 2,560 |
| Credit loss provision to net charge-offs | 2,157.1429% | 218 |
| Earnings coverage of net charge-offs (x) | 199.2857% | 508 |
| Efficiency ratio | 57.4436% | 3,409 |
| Assets per employee ($millions) | 14.6533% | 237 |
| Cash dividends to net income (ytd only)* | 27.1581% | 2,691 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7451% | 3,990 |
| Loan loss allowance to noncurrent loans | 118.5328% | 2,802 |
| Noncurrent assets plus other real estate owned to assets | 0.4419% | 1,591 |
| Noncurrent loans to loans | 0.6286% | 1,542 |
| Net loans and leases to total assets | 69.7700% | 1,924 |
| Net loans and leases to deposits | 80.7720% | 2,067 |
| Net loans and leases to core deposits | 102.4680% | 1,305 |
| Total domestic deposits to total assets | 86.3800% | 2,088 |
| Equity capital to assets | 12.7182% | 967 |
| Core capital (leverage) ratio | 13.8353% | 823 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.2593% | 575 |
| Memoranda: | ||
| Average total assets | $112,501,000 | 3,668 |
| Average earning assets | $100,756,600 | 3,691 |
| Average equity | $14,618,400 | 3,362 |
| Average total loans | $74,440,200 | 3,502 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1163% | 2,826 |
| Cost of funding earning assets | 2.2146% | 1,700 |
| Net interest margin | 2.9017% | 3,287 |
| Noninterest income to average assets | 0.2700% | 3,229 |
| Noninterest expense to average assets | 1.6672% | 4,115 |
| Loan and lease loss provision to assets | 0.1100% | 1,157 |
| Net operating income to assets | 0.8919% | 2,406 |
| Return on assets (ROA) | 0.8899% | 2,418 |
| Pretax return on assets | 1.0768% | 2,316 |
| Return on Equity (ROE) | 6.8100% | 3,083 |
| Retained earnings to average equity (ytd only) | 5.6097% | 2,243 |
| Net charge-offs to loans | 0.0018% | 2,719 |
| Credit loss provision to net charge-offs | 10,800.0000% | 53 |
| Earnings coverage of net charge-offs (x) | 991.0000% | 120 |
| Efficiency ratio | 58.4138% | 3,311 |
| Assets per employee ($millions) | 11.4461% | 490 |
| Cash dividends to net income (ytd only)* | 17.6312% | 2,612 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7308% | 4,044 |
| Loan loss allowance to noncurrent loans | 108.4586% | 2,941 |
| Noncurrent assets plus other real estate owned to assets | 0.4648% | 1,486 |
| Noncurrent loans to loans | 0.6738% | 1,451 |
| Net loans and leases to total assets | 68.4800% | 2,028 |
| Net loans and leases to deposits | 79.8368% | 2,202 |
| Net loans and leases to core deposits | 98.6917% | 1,570 |
| Total domestic deposits to total assets | 85.7700% | 2,019 |
| Equity capital to assets | 13.1958% | 917 |
| Core capital (leverage) ratio | 14.1080% | 786 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.1048% | 526 |
| Memoranda: | ||
| Average total assets | $111,319,750 | 3,691 |
| Average earning assets | $99,157,000 | 3,719 |
| Average equity | $14,545,750 | 3,365 |
| Average total loans | $72,448,500 | 3,540 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9502% | 3,033 |
| Cost of funding earning assets | 2.1647% | 1,737 |
| Net interest margin | 2.7855% | 3,449 |
| Noninterest income to average assets | 0.2900% | 3,062 |
| Noninterest expense to average assets | 1.6269% | 4,169 |
| Loan and lease loss provision to assets | 0.1300% | 903 |
| Net operating income to assets | 0.8155% | 2,574 |
| Return on assets (ROA) | 0.8125% | 2,604 |
| Pretax return on assets | 0.9939% | 2,506 |
| Return on Equity (ROE) | 6.2400% | 3,209 |
| Retained earnings to average equity (ytd only) | 4.4151% | 2,561 |
| Net charge-offs to loans | 0.0028% | 2,415 |
| Credit loss provision to net charge-offs | 7,000.0000% | 75 |
| Earnings coverage of net charge-offs (x) | 620.0000% | 194 |
| Efficiency ratio | 59.1299% | 3,284 |
| Assets per employee ($millions) | 10.4835% | 633 |
| Cash dividends to net income (ytd only)* | 29.2411% | 2,239 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7170% | 4,080 |
| Loan loss allowance to noncurrent loans | 90.1338% | 3,169 |
| Noncurrent assets plus other real estate owned to assets | 0.5186% | 1,302 |
| Noncurrent loans to loans | 0.7955% | 1,170 |
| Net loans and leases to total assets | 64.7200% | 2,480 |
| Net loans and leases to deposits | 74.5790% | 2,664 |
| Net loans and leases to core deposits | 91.2093% | 2,066 |
| Total domestic deposits to total assets | 86.7800% | 1,733 |
| Equity capital to assets | 12.4533% | 1,026 |
| Core capital (leverage) ratio | 14.2127% | 773 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.7709% | 546 |
| Memoranda: | ||
| Average total assets | $110,272,667 | 3,715 |
| Average earning assets | $97,288,667 | 3,749 |
| Average equity | $14,359,667 | 3,363 |
| Average total loans | $70,279,333 | 3,574 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8128% | 3,132 |
| Cost of funding earning assets | 2.0985% | 1,777 |
| Net interest margin | 2.7143% | 3,541 |
| Noninterest income to average assets | 0.3800% | 2,422 |
| Noninterest expense to average assets | 1.6000% | 4,195 |
| Loan and lease loss provision to assets | 0.0600% | 1,561 |
| Net operating income to assets | 0.8984% | 2,233 |
| Return on assets (ROA) | 0.8984% | 2,247 |
| Pretax return on assets | 1.1285% | 2,065 |
| Return on Equity (ROE) | 6.7400% | 3,022 |
| Retained earnings to average equity (ytd only) | 6.7414% | 1,906 |
| Net charge-offs to loans | 0.0059% | 1,891 |
| Credit loss provision to net charge-offs | 1,600.0000% | 246 |
| Earnings coverage of net charge-offs (x) | 320.0000% | 286 |
| Efficiency ratio | 57.3901% | 3,484 |
| Assets per employee ($millions) | 9.8944% | 765 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6771% | 4,146 |
| Loan loss allowance to noncurrent loans | 95.8498% | 3,176 |
| Noncurrent assets plus other real estate owned to assets | 0.4649% | 1,353 |
| Noncurrent loans to loans | 0.7064% | 1,259 |
| Net loans and leases to total assets | 65.3700% | 2,322 |
| Net loans and leases to deposits | 76.0576% | 2,422 |
| Net loans and leases to core deposits | 91.7630% | 1,934 |
| Total domestic deposits to total assets | 85.9400% | 2,124 |
| Equity capital to assets | 13.2509% | 803 |
| Core capital (leverage) ratio | 14.8291% | 630 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.5686% | 513 |
| Memoranda: | ||
| Average total assets | $107,749,500 | 3,757 |
| Average earning assets | $95,495,500 | 3,784 |
| Average equity | $14,359,000 | 3,369 |
| Average total loans | $67,833,500 | 3,622 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9420% | 4,042 |
| Cost of funding earning assets | 1.3997% | 2,233 |
| Net interest margin | 2.5423% | 4,051 |
| Noninterest income to average assets | 1.2800% | 464 |
| Noninterest expense to average assets | 1.7307% | 4,099 |
| Loan and lease loss provision to assets | 0.0500% | 2,105 |
| Net operating income to assets | 1.4164% | 1,189 |
| Return on assets (ROA) | 1.2259% | 1,566 |
| Pretax return on assets | 1.5418% | 1,340 |
| Return on Equity (ROE) | 9.5100% | 2,634 |
| Retained earnings to average equity (ytd only) | 7.4483% | 1,737 |
| Net charge-offs to loans | 0.0196% | 1,957 |
| Credit loss provision to net charge-offs | 427.2727% | 751 |
| Earnings coverage of net charge-offs (x) | 168.7273% | 660 |
| Efficiency ratio | 48.6584% | 4,055 |
| Assets per employee ($millions) | 10.6661% | 590 |
| Cash dividends to net income (ytd only)* | 21.6693% | 2,881 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7339% | 4,074 |
| Loan loss allowance to noncurrent loans | 109.0487% | 3,165 |
| Noncurrent assets plus other real estate owned to assets | 0.4041% | 1,374 |
| Noncurrent loans to loans | 0.6730% | 1,164 |
| Net loans and leases to total assets | 59.6000% | 2,880 |
| Net loans and leases to deposits | 69.3526% | 2,928 |
| Net loans and leases to core deposits | 82.9289% | 2,529 |
| Total domestic deposits to total assets | 85.9400% | 2,041 |
| Equity capital to assets | 13.4032% | 786 |
| Core capital (leverage) ratio | 15.3943% | 561 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.2869% | 406 |
| Memoranda: | ||
| Average total assets | $101,637,200 | 3,817 |
| Average earning assets | $91,018,800 | 3,829 |
| Average equity | $13,103,600 | 3,417 |
| Average total loans | $56,176,000 | 3,755 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8177% | 4,095 |
| Cost of funding earning assets | 1.2633% | 2,243 |
| Net interest margin | 2.5545% | 4,084 |
| Noninterest income to average assets | 0.2300% | 3,581 |
| Noninterest expense to average assets | 1.7068% | 4,115 |
| Loan and lease loss provision to assets | 0.0600% | 1,749 |
| Net operating income to assets | 0.6694% | 3,387 |
| Return on assets (ROA) | 0.6694% | 3,376 |
| Pretax return on assets | 0.7704% | 3,399 |
| Return on Equity (ROE) | 5.2500% | 3,769 |
| Retained earnings to average equity (ytd only) | 3.8732% | 3,293 |
| Net charge-offs to loans | 0.0049% | 2,291 |
| Credit loss provision to net charge-offs | 2,400.0000% | 200 |
| Earnings coverage of net charge-offs (x) | 314.0000% | 438 |
| Efficiency ratio | 67.1720% | 2,116 |
| Assets per employee ($millions) | 9.9330% | 684 |
| Cash dividends to net income (ytd only)* | 26.1905% | 2,210 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8256% | 3,931 |
| Loan loss allowance to noncurrent loans | 93.2039% | 3,267 |
| Noncurrent assets plus other real estate owned to assets | 0.5185% | 1,126 |
| Noncurrent loans to loans | 0.8858% | 935 |
| Net loans and leases to total assets | 58.0500% | 3,025 |
| Net loans and leases to deposits | 66.8785% | 3,059 |
| Net loans and leases to core deposits | 76.0191% | 2,865 |
| Total domestic deposits to total assets | 86.8000% | 1,950 |
| Equity capital to assets | 12.5773% | 900 |
| Core capital (leverage) ratio | 15.0276% | 617 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.0643% | 434 |
| Memoranda: | ||
| Average total assets | $100,381,250 | 3,844 |
| Average earning assets | $90,662,000 | 3,841 |
| Average equity | $12,805,500 | 3,442 |
| Average total loans | $54,210,000 | 3,789 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 7,846.0000% | 35 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5,251.0000% | 34 |
| Cost of funding earning assets | 43.0000% | 18 |
| Net interest margin | 0.0000% | 4,613 |
| Noninterest income to average assets | 0.0010% | 4,588 |
| Noninterest expense to average assets | NA | NA |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.0000% | 4,418 |
| Return on assets (ROA) | 0.6830% | 3,380 |
| Pretax return on assets | 0.7882% | 3,420 |
| Return on Equity (ROE) | 5.3300% | 3,833 |
| Retained earnings to average equity (ytd only) | NA | NA |
| Net charge-offs to loans | 0.0040% | 2,162 |
| Credit loss provision to net charge-offs | 2.0000% | 1,815 |
| Earnings coverage of net charge-offs (x) | 2.0000% | 2,332 |
| Efficiency ratio | 0.0000% | 4,631 |
| Assets per employee ($millions) | 0.0327% | 4,622 |
| Cash dividends to net income (ytd only)* | 1.3320% | 2,877 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0042% | 3,790 |
| Net loans and leases to total assets | 0.0000% | 4,533 |
| Net loans and leases to deposits | NA | NA |
| Net loans and leases to core deposits | 0.0020% | 4,534 |
| Total domestic deposits to total assets | 29,949.0000% | 4 |
| Equity capital to assets | 48,877.0000% | 11 |
| Core capital (leverage) ratio | NA | NA |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $4,308,000 | 4,632 |
| Average earning assets | $5,250 | 4,628 |
| Average equity | $0 | 4,598 |
| Average total loans | $0 | 4,533 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5672% | 4,192 |
| Cost of funding earning assets | 1.0799% | 1,809 |
| Net interest margin | 2.4873% | 4,317 |
| Noninterest income to average assets | 0.2600% | 3,365 |
| Noninterest expense to average assets | 1.5870% | 4,319 |
| Loan and lease loss provision to assets | 0.1700% | 639 |
| Net operating income to assets | 0.6316% | 3,630 |
| Return on assets (ROA) | 0.6316% | 3,587 |
| Pretax return on assets | 0.7185% | 3,622 |
| Return on Equity (ROE) | 4.9700% | 3,895 |
| Retained earnings to average equity (ytd only) | 4.9680% | 3,023 |
| Net charge-offs to loans | 0.0155% | 1,387 |
| Credit loss provision to net charge-offs | 2,150.0000% | 186 |
| Earnings coverage of net charge-offs (x) | 112.5000% | 731 |
| Efficiency ratio | 64.1148% | 2,442 |
| Assets per employee ($millions) | 9.2900% | 842 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9123% | 3,825 |
| Loan loss allowance to noncurrent loans | 336.8794% | 2,066 |
| Noncurrent assets plus other real estate owned to assets | 0.1380% | 2,544 |
| Noncurrent loans to loans | 0.2708% | 2,174 |
| Net loans and leases to total assets | 50.4800% | 3,449 |
| Net loans and leases to deposits | 58.2240% | 3,440 |
| Net loans and leases to core deposits | 67.5041% | 3,135 |
| Total domestic deposits to total assets | 86.7100% | 2,367 |
| Equity capital to assets | 12.8447% | 802 |
| Core capital (leverage) ratio | 14.8616% | 596 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.6358% | 370 |
| Memoranda: | ||
| Average total assets | $101,322,500 | 3,899 |
| Average earning assets | $90,379,000 | 3,910 |
| Average equity | $12,882,500 | 3,486 |
| Average total loans | $51,481,500 | 3,884 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2069% | 3,811 |
| Cost of funding earning assets | 0.4710% | 1,582 |
| Net interest margin | 2.7359% | 4,000 |
| Noninterest income to average assets | 1.3200% | 401 |
| Noninterest expense to average assets | 1.5607% | 4,353 |
| Loan and lease loss provision to assets | 0.1400% | 867 |
| Net operating income to assets | 1.7877% | 453 |
| Return on assets (ROA) | 1.7877% | 435 |
| Pretax return on assets | 1.8961% | 594 |
| Return on Equity (ROE) | 13.8700% | 1,564 |
| Retained earnings to average equity (ytd only) | 9.5758% | 1,291 |
| Net charge-offs to loans | 0.0072% | 2,134 |
| Credit loss provision to net charge-offs | 4,700.0000% | 145 |
| Earnings coverage of net charge-offs (x) | 670.6667% | 264 |
| Efficiency ratio | 43.3559% | 4,449 |
| Assets per employee ($millions) | 9.1323% | 875 |
| Cash dividends to net income (ytd only)* | 30.9524% | 2,383 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8527% | 3,912 |
| Loan loss allowance to noncurrent loans | 303.4965% | 2,185 |
| Noncurrent assets plus other real estate owned to assets | 0.1424% | 2,540 |
| Noncurrent loans to loans | 0.2810% | 2,145 |
| Net loans and leases to total assets | 50.2400% | 3,489 |
| Net loans and leases to deposits | 57.7405% | 3,473 |
| Net loans and leases to core deposits | 66.2962% | 3,116 |
| Total domestic deposits to total assets | 87.0000% | 2,391 |
| Equity capital to assets | 12.5818% | 789 |
| Core capital (leverage) ratio | 14.8653% | 591 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.7034% | 344 |
| Memoranda: | ||
| Average total assets | $98,674,200 | 3,939 |
| Average earning assets | $82,385,600 | 4,013 |
| Average equity | $12,719,600 | 3,598 |
| Average total loans | $41,860,200 | 4,032 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1154% | 3,640 |
| Cost of funding earning assets | 0.3637% | 1,580 |
| Net interest margin | 2.7517% | 3,833 |
| Noninterest income to average assets | 1.6700% | 324 |
| Noninterest expense to average assets | 1.5243% | 4,390 |
| Loan and lease loss provision to assets | 0.1200% | 882 |
| Net operating income to assets | 2.1609% | 222 |
| Return on assets (ROA) | 2.1609% | 220 |
| Pretax return on assets | 2.2735% | 288 |
| Return on Equity (ROE) | 16.6600% | 862 |
| Retained earnings to average equity (ytd only) | 12.3181% | 726 |
| Net charge-offs to loans | 0.0101% | 1,742 |
| Credit loss provision to net charge-offs | 2,933.3333% | 186 |
| Earnings coverage of net charge-offs (x) | 587.6667% | 267 |
| Efficiency ratio | 38.9120% | 4,597 |
| Assets per employee ($millions) | 9.1725% | 837 |
| Cash dividends to net income (ytd only)* | 26.0678% | 2,211 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8164% | 4,057 |
| Loan loss allowance to noncurrent loans | 1,814.2857% | 617 |
| Noncurrent assets plus other real estate owned to assets | 0.0733% | 3,156 |
| Noncurrent loans to loans | 0.0450% | 3,569 |
| Net loans and leases to total assets | 45.8800% | 3,770 |
| Net loans and leases to deposits | 52.3916% | 3,708 |
| Net loans and leases to core deposits | 58.2532% | 3,482 |
| Total domestic deposits to total assets | 87.5600% | 2,572 |
| Equity capital to assets | 11.9527% | 895 |
| Core capital (leverage) ratio | 14.8948% | 558 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.1073% | 310 |
| Memoranda: | ||
| Average total assets | $98,229,000 | 3,967 |
| Average earning assets | $80,287,000 | 4,061 |
| Average equity | $12,739,750 | 3,636 |
| Average total loans | $39,600,750 | 4,086 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9928% | 3,579 |
| Cost of funding earning assets | 0.3593% | 1,195 |
| Net interest margin | 2.6335% | 3,843 |
| Noninterest income to average assets | 2.4368% | 190 |
| Noninterest expense to average assets | 1.5040% | 4,413 |
| Loan and lease loss provision to assets | 0.0822% | 1,199 |
| Net operating income to assets | 2.8580% | 78 |
| Return on assets (ROA) | 2.8580% | 75 |
| Pretax return on assets | 2.9587% | 103 |
| Return on Equity (ROE) | 21.4556% | 221 |
| Retained earnings to average equity (ytd only) | 16.2266% | 178 |
| Net charge-offs to loans | 0.0054% | 1,813 |
| Credit loss provision to net charge-offs | 4,000.0000% | 132 |
| Earnings coverage of net charge-offs (x) | 1,480.0000% | 79 |
| Efficiency ratio | 33.0922% | 4,694 |
| Assets per employee ($millions) | 9.9714% | 667 |
| Cash dividends to net income (ytd only)* | 24.3710% | 2,296 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8210% | 4,139 |
| Loan loss allowance to noncurrent loans | 2,791.6667% | 418 |
| Noncurrent assets plus other real estate owned to assets | 0.1033% | 2,988 |
| Noncurrent loans to loans | 0.0294% | 3,735 |
| Net loans and leases to total assets | 40.5831% | 4,051 |
| Net loans and leases to deposits | 46.7983% | 3,993 |
| Net loans and leases to core deposits | 48.0543% | 4,024 |
| Total domestic deposits to total assets | 86.7190% | 3,031 |
| Equity capital to assets | 12.8417% | 692 |
| Core capital (leverage) ratio | 14.5695% | 533 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.6690% | 227 |
| Memoranda: | ||
| Average total assets | $97,339,333 | 4,020 |
| Average earning assets | $77,919,333 | 4,142 |
| Average equity | $12,966,333 | 3,686 |
| Average total loans | $37,244,667 | 4,190 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9110% | 3,505 |
| Cost of funding earning assets | 0.3846% | 957 |
| Net interest margin | 2.5264% | 3,844 |
| Noninterest income to average assets | 0.2995% | 3,323 |
| Noninterest expense to average assets | 1.4186% | 4,518 |
| Loan and lease loss provision to assets | 0.1664% | 472 |
| Net operating income to assets | 0.5991% | 3,397 |
| Return on assets (ROA) | 0.5991% | 3,379 |
| Pretax return on assets | 0.6823% | 3,438 |
| Return on Equity (ROE) | 4.4148% | 3,776 |
| Retained earnings to average equity (ytd only) | -1.9621% | 4,242 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5688% | 3,198 |
| Assets per employee ($millions) | 10.8908% | 531 |
| Cash dividends to net income (ytd only)* | 144.4444% | 325 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9316% | 3,952 |
| Loan loss allowance to noncurrent loans | 2,800.0000% | 409 |
| Noncurrent assets plus other real estate owned to assets | 0.1051% | 3,072 |
| Noncurrent loans to loans | 0.0333% | 3,743 |
| Net loans and leases to total assets | 36.4539% | 4,180 |
| Net loans and leases to deposits | 41.9088% | 4,164 |
| Net loans and leases to core deposits | 43.0344% | 4,202 |
| Total domestic deposits to total assets | 86.9839% | 2,936 |
| Equity capital to assets | 12.5774% | 789 |
| Core capital (leverage) ratio | 13.5833% | 653 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.2337% | 237 |
| Memoranda: | ||
| Average total assets | $96,152,000 | 4,045 |
| Average earning assets | $74,888,500 | 4,204 |
| Average equity | $13,047,000 | 3,749 |
| Average total loans | $35,466,000 | 4,243 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3112% | 3,171 |
| Cost of funding earning assets | 0.5422% | 745 |
| Net interest margin | 2.7689% | 3,731 |
| Noninterest income to average assets | 0.3233% | 3,471 |
| Noninterest expense to average assets | 1.5988% | 4,425 |
| Loan and lease loss provision to assets | 0.0423% | 2,205 |
| Net operating income to assets | 0.6889% | 3,655 |
| Return on assets (ROA) | 0.6889% | 3,711 |
| Pretax return on assets | 0.7653% | 3,796 |
| Return on Equity (ROE) | 4.0594% | 4,206 |
| Retained earnings to average equity (ytd only) | -3.4706% | 4,671 |
| Net charge-offs to loans | 0.0132% | 2,063 |
| Credit loss provision to net charge-offs | 900.0000% | 565 |
| Earnings coverage of net charge-offs (x) | 171.7500% | 600 |
| Efficiency ratio | 66.4387% | 2,205 |
| Assets per employee ($millions) | 10.4763% | 584 |
| Cash dividends to net income (ytd only)* | 185.4949% | 47 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8490% | 4,180 |
| Loan loss allowance to noncurrent loans | 290.1961% | 2,085 |
| Noncurrent assets plus other real estate owned to assets | 0.1082% | 3,170 |
| Noncurrent loans to loans | 0.2926% | 2,541 |
| Net loans and leases to total assets | 36.6636% | 4,256 |
| Net loans and leases to deposits | 43.2356% | 4,214 |
| Net loans and leases to core deposits | 44.4715% | 4,250 |
| Total domestic deposits to total assets | 84.7996% | 3,332 |
| Equity capital to assets | 14.6001% | 556 |
| Core capital (leverage) ratio | 14.2325% | 584 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.4593% | 228 |
| Memoranda: | ||
| Average total assets | $85,061,400 | 4,154 |
| Average earning assets | $63,995,600 | 4,334 |
| Average equity | $14,435,600 | 3,695 |
| Average total loans | $30,218,200 | 4,369 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4278% | 3,019 |
| Cost of funding earning assets | 0.5894% | 672 |
| Net interest margin | 2.8385% | 3,687 |
| Noninterest income to average assets | 0.3835% | 3,186 |
| Noninterest expense to average assets | 1.6675% | 4,378 |
| Loan and lease loss provision to assets | 0.0302% | 2,390 |
| Net operating income to assets | 0.7089% | 3,745 |
| Return on assets (ROA) | 0.7089% | 3,812 |
| Pretax return on assets | 0.7959% | 3,897 |
| Return on Equity (ROE) | 4.0173% | 4,299 |
| Retained earnings to average equity (ytd only) | 2.6478% | 4,021 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8605% | 1,990 |
| Assets per employee ($millions) | 9.3709% | 802 |
| Cash dividends to net income (ytd only)* | 34.0909% | 1,891 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8773% | 4,211 |
| Loan loss allowance to noncurrent loans | 277.4510% | 2,096 |
| Noncurrent assets plus other real estate owned to assets | 0.1088% | 3,380 |
| Noncurrent loans to loans | 0.3162% | 2,647 |
| Net loans and leases to total assets | 34.1227% | 4,462 |
| Net loans and leases to deposits | 40.7478% | 4,422 |
| Net loans and leases to core deposits | 41.9308% | 4,449 |
| Total domestic deposits to total assets | 83.7412% | 3,525 |
| Equity capital to assets | 15.6260% | 456 |
| Core capital (leverage) ratio | 14.5722% | 547 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 33.2160% | 191 |
| Memoranda: | ||
| Average total assets | $82,755,000 | 4,230 |
| Average earning assets | $61,534,000 | 4,428 |
| Average equity | $14,603,000 | 3,726 |
| Average total loans | $29,056,500 | 4,451 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3603% | 3,286 |
| Cost of funding earning assets | 0.5950% | 768 |
| Net interest margin | 2.7653% | 3,860 |
| Noninterest income to average assets | 0.4753% | 2,734 |
| Noninterest expense to average assets | 1.8052% | 4,172 |
| Loan and lease loss provision to assets | 0.0126% | 2,695 |
| Net operating income to assets | 0.6700% | 3,830 |
| Return on assets (ROA) | 0.6700% | 3,895 |
| Pretax return on assets | 0.7256% | 4,018 |
| Return on Equity (ROE) | 3.6327% | 4,389 |
| Retained earnings to average equity (ytd only) | 1.6450% | 4,203 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9742% | 1,530 |
| Assets per employee ($millions) | 8.0580% | 1,183 |
| Cash dividends to net income (ytd only)* | 54.7170% | 1,090 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9021% | 4,150 |
| Loan loss allowance to noncurrent loans | 266.3366% | 2,067 |
| Noncurrent assets plus other real estate owned to assets | 0.1253% | 3,398 |
| Noncurrent loans to loans | 0.3387% | 2,695 |
| Net loans and leases to total assets | 36.6716% | 4,437 |
| Net loans and leases to deposits | 45.1559% | 4,342 |
| Net loans and leases to core deposits | 46.7312% | 4,373 |
| Total domestic deposits to total assets | 81.2112% | 4,063 |
| Equity capital to assets | 18.0802% | 262 |
| Core capital (leverage) ratio | 17.6317% | 272 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 36.1513% | 162 |
| Memoranda: | ||
| Average total assets | $79,103,667 | 4,307 |
| Average earning assets | $59,161,000 | 4,483 |
| Average equity | $14,589,667 | 3,730 |
| Average total loans | $27,989,000 | 4,506 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4356% | 3,103 |
| Cost of funding earning assets | 0.6451% | 717 |
| Net interest margin | 2.7906% | 3,785 |
| Noninterest income to average assets | 0.7759% | 1,644 |
| Noninterest expense to average assets | 1.7355% | 4,312 |
| Loan and lease loss provision to assets | 0.0102% | 2,641 |
| Net operating income to assets | 0.9137% | 3,095 |
| Return on assets (ROA) | 0.9137% | 3,170 |
| Pretax return on assets | 1.0617% | 3,211 |
| Return on Equity (ROE) | 4.9041% | 4,108 |
| Retained earnings to average equity (ytd only) | 4.9041% | 3,250 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8182% | 2,788 |
| Assets per employee ($millions) | 7.1254% | 1,710 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9761% | 3,943 |
| Loan loss allowance to noncurrent loans | 197.0370% | 2,396 |
| Noncurrent assets plus other real estate owned to assets | 0.1722% | 3,309 |
| Noncurrent loans to loans | 0.4954% | 2,366 |
| Net loans and leases to total assets | 34.4301% | 4,563 |
| Net loans and leases to deposits | 42.6805% | 4,470 |
| Net loans and leases to core deposits | 44.1821% | 4,490 |
| Total domestic deposits to total assets | 80.6696% | 4,107 |
| Equity capital to assets | 18.6160% | 237 |
| Core capital (leverage) ratio | 18.0368% | 259 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 39.2522% | 140 |
| Memoranda: | ||
| Average total assets | $78,365,500 | 4,327 |
| Average earning assets | $57,049,000 | 4,529 |
| Average equity | $14,600,000 | 3,733 |
| Average total loans | $27,074,000 | 4,550 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7953% | 3,316 |
| Cost of funding earning assets | 0.7135% | 1,654 |
| Net interest margin | 3.0819% | 3,671 |
| Noninterest income to average assets | 0.5867% | 2,270 |
| Noninterest expense to average assets | 1.7788% | 4,504 |
| Loan and lease loss provision to assets | 0.0301% | 4,019 |
| Net operating income to assets | 1.0372% | 2,149 |
| Return on assets (ROA) | 1.0372% | 2,291 |
| Pretax return on assets | 1.1821% | 2,395 |
| Return on Equity (ROE) | 5.0090% | 3,898 |
| Retained earnings to average equity (ytd only) | 2.4387% | 3,639 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4724% | 3,523 |
| Assets per employee ($millions) | 7.1229% | 1,494 |
| Cash dividends to net income (ytd only)* | 51.3140% | 1,762 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9816% | 3,932 |
| Loan loss allowance to noncurrent loans | 156.2130% | 2,745 |
| Noncurrent assets plus other real estate owned to assets | 0.2157% | 3,214 |
| Noncurrent loans to loans | 0.6283% | 2,122 |
| Net loans and leases to total assets | 33.9902% | 4,647 |
| Net loans and leases to deposits | 42.1679% | 4,596 |
| Net loans and leases to core deposits | 43.6476% | 4,615 |
| Total domestic deposits to total assets | 80.6067% | 3,943 |
| Equity capital to assets | 18.6453% | 240 |
| Core capital (leverage) ratio | 18.4101% | 245 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 38.7721% | 142 |
| Memoranda: | ||
| Average total assets | $69,708,800 | 4,390 |
| Average earning assets | $54,382,400 | 4,522 |
| Average equity | $14,434,000 | 3,703 |
| Average total loans | $26,607,600 | 4,589 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8753% | 3,340 |
| Cost of funding earning assets | 0.6874% | 2,106 |
| Net interest margin | 3.1879% | 3,517 |
| Noninterest income to average assets | 0.7244% | 1,720 |
| Noninterest expense to average assets | 1.7508% | 4,563 |
| Loan and lease loss provision to assets | 0.0340% | 3,913 |
| Net operating income to assets | 1.2692% | 1,426 |
| Return on assets (ROA) | 1.2692% | 1,538 |
| Pretax return on assets | 1.4942% | 1,459 |
| Return on Equity (ROE) | 5.9576% | 3,573 |
| Retained earnings to average equity (ytd only) | 3.8636% | 3,112 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.4016% | 4,214 |
| Assets per employee ($millions) | 6.5878% | 1,765 |
| Cash dividends to net income (ytd only)* | 35.1477% | 2,130 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9659% | 3,826 |
| Loan loss allowance to noncurrent loans | 250.0000% | 1,860 |
| Noncurrent assets plus other real estate owned to assets | 0.1435% | 3,701 |
| Noncurrent loans to loans | 0.3864% | 2,907 |
| Net loans and leases to total assets | 36.7869% | 4,652 |
| Net loans and leases to deposits | 46.7545% | 4,581 |
| Net loans and leases to core deposits | 48.3495% | 4,617 |
| Total domestic deposits to total assets | 78.6810% | 4,107 |
| Equity capital to assets | 20.2343% | 201 |
| Core capital (leverage) ratio | 19.9712% | 199 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 40.4503% | 141 |
| Memoranda: | ||
| Average total assets | $67,548,000 | 4,428 |
| Average earning assets | $54,119,250 | 4,542 |
| Average equity | $14,390,250 | 3,710 |
| Average total loans | $26,535,500 | 4,613 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9026% | 3,605 |
| Cost of funding earning assets | 0.6628% | 2,610 |
| Net interest margin | 3.2399% | 3,556 |
| Noninterest income to average assets | 1.0014% | 982 |
| Noninterest expense to average assets | 1.7570% | 4,619 |
| Loan and lease loss provision to assets | 0.0303% | 3,879 |
| Net operating income to assets | 1.5385% | 865 |
| Return on assets (ROA) | 1.5385% | 937 |
| Pretax return on assets | 1.8693% | 712 |
| Return on Equity (ROE) | 7.0912% | 3,098 |
| Retained earnings to average equity (ytd only) | 5.0632% | 2,448 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.0498% | 4,623 |
| Assets per employee ($millions) | 7.5439% | 1,154 |
| Cash dividends to net income (ytd only)* | 28.5996% | 2,412 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9347% | 3,864 |
| Loan loss allowance to noncurrent loans | 266.3158% | 1,707 |
| Noncurrent assets plus other real estate owned to assets | 0.1399% | 3,817 |
| Noncurrent loans to loans | 0.3510% | 3,140 |
| Net loans and leases to total assets | 39.4948% | 4,625 |
| Net loans and leases to deposits | 51.0392% | 4,484 |
| Net loans and leases to core deposits | 52.9261% | 4,528 |
| Total domestic deposits to total assets | 77.3813% | 4,266 |
| Equity capital to assets | 21.4773% | 162 |
| Core capital (leverage) ratio | 21.8780% | 150 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 41.0667% | 140 |
| Memoranda: | ||
| Average total assets | $65,908,667 | 4,461 |
| Average earning assets | $54,014,667 | 4,549 |
| Average equity | $14,299,333 | 3,726 |
| Average total loans | $26,408,000 | 4,635 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9812% | 3,845 |
| Cost of funding earning assets | 0.6524% | 3,158 |
| Net interest margin | 3.3288% | 3,521 |
| Noninterest income to average assets | 1.8301% | 296 |
| Noninterest expense to average assets | 1.6452% | 4,826 |
| Loan and lease loss provision to assets | 0.0123% | 3,625 |
| Net operating income to assets | 2.3169% | 150 |
| Return on assets (ROA) | 2.3169% | 164 |
| Pretax return on assets | 2.9392% | 100 |
| Return on Equity (ROE) | 10.6230% | 1,528 |
| Retained earnings to average equity (ytd only) | 10.6230% | 628 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 35.7909% | 5,029 |
| Assets per employee ($millions) | 7.2300% | 988 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9348% | 3,987 |
| Loan loss allowance to noncurrent loans | 281.6092% | 1,604 |
| Noncurrent assets plus other real estate owned to assets | 0.1337% | 3,971 |
| Noncurrent loans to loans | 0.3319% | 3,304 |
| Net loans and leases to total assets | 39.9016% | 4,671 |
| Net loans and leases to deposits | 51.9031% | 4,522 |
| Net loans and leases to core deposits | 53.8359% | 4,575 |
| Total domestic deposits to total assets | 76.8772% | 4,370 |
| Equity capital to assets | 22.0670% | 173 |
| Core capital (leverage) ratio | 21.9154% | 173 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 42.7443% | 127 |
| Memoranda: | ||
| Average total assets | $64,915,500 | 4,486 |
| Average earning assets | $53,953,000 | 4,573 |
| Average equity | $14,158,000 | 3,753 |
| Average total loans | $26,078,000 | 4,673 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8669% | 4,486 |
| Cost of funding earning assets | 0.6292% | 3,507 |
| Net interest margin | 3.2378% | 4,114 |
| Noninterest income to average assets | 0.7927% | 1,473 |
| Noninterest expense to average assets | 1.7573% | 4,819 |
| Loan and lease loss provision to assets | 0.0697% | 2,610 |
| Net operating income to assets | 1.6260% | 787 |
| Return on assets (ROA) | 1.6260% | 841 |
| Pretax return on assets | 1.7605% | 1,046 |
| Return on Equity (ROE) | 7.5143% | 3,361 |
| Retained earnings to average equity (ytd only) | 4.7349% | 2,563 |
| Net charge-offs to loans | 0.0362% | 2,656 |
| Credit loss provision to net charge-offs | 477.7778% | 609 |
| Earnings coverage of net charge-offs (x) | 125.4444% | 567 |
| Efficiency ratio | 48.9833% | 4,785 |
| Assets per employee ($millions) | 7.1957% | 974 |
| Cash dividends to net income (ytd only)* | 36.9890% | 2,751 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9365% | 3,805 |
| Loan loss allowance to noncurrent loans | 279.3103% | 1,616 |
| Noncurrent assets plus other real estate owned to assets | 0.1343% | 3,965 |
| Noncurrent loans to loans | 0.3353% | 3,244 |
| Net loans and leases to total assets | 39.6906% | 4,744 |
| Net loans and leases to deposits | 51.1645% | 4,639 |
| Net loans and leases to core deposits | 53.5757% | 4,660 |
| Total domestic deposits to total assets | 77.5745% | 4,421 |
| Equity capital to assets | 21.5516% | 192 |
| Core capital (leverage) ratio | 22.0433% | 173 |
| Tier 1 risk-based capital ratio | 41.6851% | 221 |
| Total risk-based capital ratio | 42.4304% | 223 |
| Memoranda: | ||
| Average total assets | $61,686,000 | 4,572 |
| Average earning assets | $53,246,400 | 4,622 |
| Average equity | $13,347,800 | 3,851 |
| Average total loans | $24,850,400 | 4,754 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8145% | 4,658 |
| Cost of funding earning assets | 0.6265% | 3,547 |
| Net interest margin | 3.1880% | 4,325 |
| Noninterest income to average assets | 0.3458% | 3,658 |
| Noninterest expense to average assets | 1.7947% | 4,821 |
| Loan and lease loss provision to assets | 0.0744% | 2,401 |
| Net operating income to assets | 1.1403% | 2,412 |
| Return on assets (ROA) | 1.1403% | 2,494 |
| Pretax return on assets | 1.2498% | 2,816 |
| Return on Equity (ROE) | 5.2643% | 4,249 |
| Retained earnings to average equity (ytd only) | 2.9807% | 3,892 |
| Net charge-offs to loans | 0.0488% | 2,140 |
| Credit loss provision to net charge-offs | 377.7778% | 801 |
| Earnings coverage of net charge-offs (x) | 67.2208% | 986 |
| Efficiency ratio | 57.5439% | 3,996 |
| Assets per employee ($millions) | 6.7580% | 1,130 |
| Cash dividends to net income (ytd only)* | 43.3787% | 2,005 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9167% | 3,977 |
| Loan loss allowance to noncurrent loans | 268.9655% | 1,662 |
| Noncurrent assets plus other real estate owned to assets | 0.1430% | 4,022 |
| Noncurrent loans to loans | 0.3408% | 3,315 |
| Net loans and leases to total assets | 41.5820% | 4,764 |
| Net loans and leases to deposits | 54.2260% | 4,618 |
| Net loans and leases to core deposits | 57.0066% | 4,654 |
| Total domestic deposits to total assets | 76.6828% | 4,561 |
| Equity capital to assets | 22.3603% | 174 |
| Core capital (leverage) ratio | 22.1011% | 174 |
| Tier 1 risk-based capital ratio | 41.0430% | 231 |
| Total risk-based capital ratio | 41.7676% | 233 |
| Memoranda: | ||
| Average total assets | $60,917,250 | 4,642 |
| Average earning assets | $52,989,000 | 4,691 |
| Average equity | $13,195,500 | 3,909 |
| Average total loans | $24,576,250 | 4,833 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7878% | 4,725 |
| Cost of funding earning assets | 0.6256% | 3,526 |
| Net interest margin | 3.1622% | 4,436 |
| Noninterest income to average assets | 0.3446% | 3,631 |
| Noninterest expense to average assets | 1.8442% | 4,820 |
| Loan and lease loss provision to assets | 0.1116% | 1,679 |
| Net operating income to assets | 1.0501% | 2,725 |
| Return on assets (ROA) | 1.0501% | 2,792 |
| Pretax return on assets | 1.1255% | 3,156 |
| Return on Equity (ROE) | 4.9002% | 4,369 |
| Retained earnings to average equity (ytd only) | 2.6798% | 3,859 |
| Net charge-offs to loans | 0.0742% | 1,625 |
| Credit loss provision to net charge-offs | 377.7778% | 754 |
| Earnings coverage of net charge-offs (x) | 41.8889% | 1,213 |
| Efficiency ratio | 59.8509% | 3,750 |
| Assets per employee ($millions) | 6.7403% | 1,122 |
| Cash dividends to net income (ytd only)* | 45.3125% | 1,998 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9504% | 3,873 |
| Loan loss allowance to noncurrent loans | 296.2025% | 1,591 |
| Noncurrent assets plus other real estate owned to assets | 0.1302% | 4,103 |
| Noncurrent loans to loans | 0.3209% | 3,382 |
| Net loans and leases to total assets | 40.2024% | 4,836 |
| Net loans and leases to deposits | 51.8430% | 4,745 |
| Net loans and leases to core deposits | 54.5203% | 4,766 |
| Total domestic deposits to total assets | 77.5464% | 4,472 |
| Equity capital to assets | 21.6854% | 185 |
| Core capital (leverage) ratio | 21.6822% | 175 |
| Tier 1 risk-based capital ratio | 41.1157% | 222 |
| Total risk-based capital ratio | 41.8482% | 224 |
| Memoranda: | ||
| Average total assets | $60,949,000 | 4,677 |
| Average earning assets | $52,748,000 | 4,730 |
| Average equity | $13,060,670 | 3,926 |
| Average total loans | $24,260,000 | 4,879 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6903% | 4,860 |
| Cost of funding earning assets | 0.6214% | 3,455 |
| Net interest margin | 3.0690% | 4,640 |
| Noninterest income to average assets | 0.3470% | 3,541 |
| Noninterest expense to average assets | 1.7744% | 4,943 |
| Loan and lease loss provision to assets | 0.2226% | 699 |
| Net operating income to assets | 0.9167% | 3,173 |
| Return on assets (ROA) | 0.9167% | 3,211 |
| Pretax return on assets | 1.0018% | 3,434 |
| Return on Equity (ROE) | 4.3032% | 4,511 |
| Retained earnings to average equity (ytd only) | 4.3032% | 3,201 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.1703% | 3,928 |
| Assets per employee ($millions) | 6.8542% | 1,064 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0157% | 3,603 |
| Loan loss allowance to noncurrent loans | 93.4615% | 3,475 |
| Noncurrent assets plus other real estate owned to assets | 0.4215% | 2,904 |
| Noncurrent loans to loans | 1.0868% | 1,529 |
| Net loans and leases to total assets | 38.3883% | 4,942 |
| Net loans and leases to deposits | 49.2503% | 4,840 |
| Net loans and leases to core deposits | 51.7584% | 4,846 |
| Total domestic deposits to total assets | 77.9455% | 4,524 |
| Equity capital to assets | 21.2278% | 189 |
| Core capital (leverage) ratio | 21.6520% | 177 |
| Tier 1 risk-based capital ratio | 42.1691% | 203 |
| Total risk-based capital ratio | 42.9514% | 207 |
| Memoranda: | ||
| Average total assets | $61,092,000 | 4,725 |
| Average earning assets | $52,786,500 | 4,783 |
| Average equity | $13,013,500 | 3,946 |
| Average total loans | $24,079,000 | 4,939 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4842% | 4,933 |
| Cost of funding earning assets | 0.4712% | 3,545 |
| Net interest margin | 3.0130% | 4,787 |
| Noninterest income to average assets | 0.3560% | 3,717 |
| Noninterest expense to average assets | 1.8513% | 4,952 |
| Loan and lease loss provision to assets | 0.0255% | 3,662 |
| Net operating income to assets | 1.0202% | 2,928 |
| Return on assets (ROA) | 1.0202% | 2,913 |
| Pretax return on assets | 1.1581% | 3,071 |
| Return on Equity (ROE) | 4.6793% | 4,535 |
| Retained earnings to average equity (ytd only) | 2.4217% | 4,176 |
| Net charge-offs to loans | 0.1538% | 1,246 |
| Credit loss provision to net charge-offs | 44.1176% | 3,241 |
| Earnings coverage of net charge-offs (x) | 20.4412% | 2,000 |
| Efficiency ratio | 60.9989% | 3,687 |
| Assets per employee ($millions) | 6.7218% | 1,101 |
| Cash dividends to net income (ytd only)* | 48.2471% | 2,064 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8624% | 4,318 |
| Loan loss allowance to noncurrent loans | 85.3061% | 3,655 |
| Noncurrent assets plus other real estate owned to assets | 0.4050% | 2,940 |
| Noncurrent loans to loans | 1.0110% | 1,610 |
| Net loans and leases to total assets | 39.7134% | 4,957 |
| Net loans and leases to deposits | 51.0356% | 4,851 |
| Net loans and leases to core deposits | 53.7340% | 4,856 |
| Total domestic deposits to total assets | 77.8151% | 4,523 |
| Equity capital to assets | 21.3766% | 184 |
| Core capital (leverage) ratio | 22.1916% | 162 |
| Tier 1 risk-based capital ratio | 41.5443% | 213 |
| Total risk-based capital ratio | 42.2142% | 215 |
| Memoranda: | ||
| Average total assets | $58,714,600 | 4,785 |
| Average earning assets | $52,207,800 | 4,814 |
| Average equity | $12,801,000 | 3,915 |
| Average total loans | $22,107,600 | 5,026 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4090% | 5,025 |
| Cost of funding earning assets | 0.4376% | 3,614 |
| Net interest margin | 2.9713% | 4,886 |
| Noninterest income to average assets | 0.3569% | 3,743 |
| Noninterest expense to average assets | 1.8260% | 5,008 |
| Loan and lease loss provision to assets | 0.0229% | 3,563 |
| Net operating income to assets | 1.0228% | 2,996 |
| Return on assets (ROA) | 1.0228% | 3,006 |
| Pretax return on assets | 1.1647% | 3,141 |
| Return on Equity (ROE) | 4.6678% | 4,657 |
| Retained earnings to average equity (ytd only) | 3.1431% | 4,175 |
| Net charge-offs to loans | 0.2101% | 807 |
| Credit loss provision to net charge-offs | 29.4118% | 2,969 |
| Earnings coverage of net charge-offs (x) | 15.2654% | 2,237 |
| Efficiency ratio | 60.5923% | 3,726 |
| Assets per employee ($millions) | 6.4916% | 1,190 |
| Cash dividends to net income (ytd only)* | 32.6616% | 2,417 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8844% | 4,327 |
| Loan loss allowance to noncurrent loans | 96.2264% | 3,525 |
| Noncurrent assets plus other real estate owned to assets | 0.3629% | 3,219 |
| Noncurrent loans to loans | 0.9191% | 1,861 |
| Net loans and leases to total assets | 39.1329% | 5,048 |
| Net loans and leases to deposits | 50.8033% | 4,926 |
| Net loans and leases to core deposits | 53.1290% | 4,933 |
| Total domestic deposits to total assets | 77.0283% | 4,640 |
| Equity capital to assets | 22.0954% | 162 |
| Core capital (leverage) ratio | 22.4135% | 155 |
| Tier 1 risk-based capital ratio | 43.1393% | 188 |
| Total risk-based capital ratio | 43.8187% | 190 |
| Memoranda: | ||
| Average total assets | $58,269,250 | 4,844 |
| Average earning assets | $52,096,500 | 4,872 |
| Average equity | $12,768,250 | 3,945 |
| Average total loans | $21,576,000 | 5,101 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3172% | 5,122 |
| Cost of funding earning assets | 0.4089% | 3,659 |
| Net interest margin | 2.9083% | 5,003 |
| Noninterest income to average assets | 0.3607% | 3,740 |
| Noninterest expense to average assets | 1.8448% | 5,041 |
| Loan and lease loss provision to assets | 0.0206% | 3,494 |
| Net operating income to assets | 0.9928% | 3,059 |
| Return on assets (ROA) | 0.9928% | 3,057 |
| Pretax return on assets | 1.1096% | 3,274 |
| Return on Equity (ROE) | 4.5436% | 4,682 |
| Retained earnings to average equity (ytd only) | 2.2482% | 4,380 |
| Net charge-offs to loans | 0.3321% | 480 |
| Credit loss provision to net charge-offs | 17.1429% | 2,703 |
| Earnings coverage of net charge-offs (x) | 9.4000% | 2,399 |
| Efficiency ratio | 62.0092% | 3,621 |
| Assets per employee ($millions) | 6.4394% | 1,199 |
| Cash dividends to net income (ytd only)* | 50.5190% | 1,648 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8971% | 4,353 |
| Loan loss allowance to noncurrent loans | 52.6455% | 4,370 |
| Noncurrent assets plus other real estate owned to assets | 0.6522% | 2,276 |
| Noncurrent loans to loans | 1.7040% | 935 |
| Net loans and leases to total assets | 37.9329% | 5,124 |
| Net loans and leases to deposits | 49.1559% | 4,998 |
| Net loans and leases to core deposits | 50.6159% | 5,028 |
| Total domestic deposits to total assets | 77.1685% | 4,714 |
| Equity capital to assets | 22.0257% | 163 |
| Core capital (leverage) ratio | 22.0250% | 164 |
| Tier 1 risk-based capital ratio | 43.3288% | 192 |
| Total risk-based capital ratio | 44.0027% | 193 |
| Memoranda: | ||
| Average total assets | $58,217,670 | 4,904 |
| Average earning assets | $52,333,000 | 4,921 |
| Average equity | $12,721,330 | 3,980 |
| Average total loans | $21,079,000 | 5,172 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2440% | 5,199 |
| Cost of funding earning assets | 0.4074% | 3,531 |
| Net interest margin | 2.8366% | 5,118 |
| Noninterest income to average assets | 0.3770% | 3,609 |
| Noninterest expense to average assets | 1.7892% | 5,164 |
| Loan and lease loss provision to assets | 0.0206% | 3,263 |
| Net operating income to assets | 0.9735% | 2,972 |
| Return on assets (ROA) | 0.9735% | 3,002 |
| Pretax return on assets | 1.0968% | 3,183 |
| Return on Equity (ROE) | 4.4726% | 4,643 |
| Retained earnings to average equity (ytd only) | 4.4726% | 3,408 |
| Net charge-offs to loans | 0.6820% | 221 |
| Credit loss provision to net charge-offs | 8.5714% | 2,171 |
| Earnings coverage of net charge-offs (x) | 4.6571% | 2,281 |
| Efficiency ratio | 61.5566% | 3,867 |
| Assets per employee ($millions) | 6.5672% | 1,170 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9363% | 4,275 |
| Loan loss allowance to noncurrent loans | 51.7150% | 4,424 |
| Noncurrent assets plus other real estate owned to assets | 0.6412% | 2,394 |
| Noncurrent loans to loans | 1.8105% | 918 |
| Net loans and leases to total assets | 35.0867% | 5,241 |
| Net loans and leases to deposits | 45.1946% | 5,123 |
| Net loans and leases to core deposits | 46.5144% | 5,141 |
| Total domestic deposits to total assets | 77.6347% | 4,782 |
| Equity capital to assets | 21.5870% | 167 |
| Core capital (leverage) ratio | 22.0628% | 152 |
| Tier 1 risk-based capital ratio | 44.3451% | 180 |
| Total risk-based capital ratio | 45.0244% | 184 |
| Memoranda: | ||
| Average total assets | $58,349,000 | 4,960 |
| Average earning assets | $52,034,000 | 4,991 |
| Average equity | $12,699,500 | 4,018 |
| Average total loans | $20,527,000 | 5,242 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2317% | 5,155 |
| Cost of funding earning assets | 0.3727% | 3,490 |
| Net interest margin | 2.8590% | 5,093 |
| Noninterest income to average assets | 0.4102% | 3,566 |
| Noninterest expense to average assets | 1.7439% | 5,289 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.0561% | 2,034 |
| Return on assets (ROA) | 1.0561% | 2,055 |
| Pretax return on assets | 1.1573% | 2,957 |
| Return on Equity (ROE) | 4.8054% | 4,241 |
| Retained earnings to average equity (ytd only) | 1.5012% | 4,402 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1083% | 4,250 |
| Assets per employee ($millions) | 5.7593% | 1,700 |
| Cash dividends to net income (ytd only)* | 68.7603% | 1,341 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1332% | 3,165 |
| Loan loss allowance to noncurrent loans | 52.6559% | 4,426 |
| Noncurrent assets plus other real estate owned to assets | 0.7518% | 2,082 |
| Noncurrent loans to loans | 2.1521% | 688 |
| Net loans and leases to total assets | 34.5389% | 5,330 |
| Net loans and leases to deposits | 44.6580% | 5,228 |
| Net loans and leases to core deposits | 45.5101% | 5,248 |
| Total domestic deposits to total assets | 77.3410% | 4,820 |
| Equity capital to assets | 21.9471% | 153 |
| Core capital (leverage) ratio | 22.5210% | 131 |
| Tier 1 risk-based capital ratio | 45.8803% | 149 |
| Total risk-based capital ratio | 46.7068% | 150 |
| Memoranda: | ||
| Average total assets | $57,286,600 | 5,026 |
| Average earning assets | $49,912,400 | 5,065 |
| Average equity | $12,590,000 | 4,043 |
| Average total loans | $17,837,600 | 5,365 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1881% | 5,246 |
| Cost of funding earning assets | 0.3683% | 3,482 |
| Net interest margin | 2.8198% | 5,195 |
| Noninterest income to average assets | 0.4265% | 3,507 |
| Noninterest expense to average assets | 1.7130% | 5,356 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.0208% | 2,470 |
| Return on assets (ROA) | 1.0208% | 2,508 |
| Pretax return on assets | 1.1583% | 3,079 |
| Return on Equity (ROE) | 4.6431% | 4,654 |
| Retained earnings to average equity (ytd only) | 1.7597% | 4,720 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6591% | 4,270 |
| Assets per employee ($millions) | 6.2670% | 1,327 |
| Cash dividends to net income (ytd only)* | 62.1004% | 1,261 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2112% | 2,863 |
| Loan loss allowance to noncurrent loans | 36.2480% | 4,836 |
| Noncurrent assets plus other real estate owned to assets | 1.1152% | 1,489 |
| Noncurrent loans to loans | 3.3415% | 345 |
| Net loans and leases to total assets | 32.9699% | 5,432 |
| Net loans and leases to deposits | 42.9280% | 5,338 |
| Net loans and leases to core deposits | 43.7697% | 5,369 |
| Total domestic deposits to total assets | 76.8027% | 4,923 |
| Equity capital to assets | 22.4332% | 141 |
| Core capital (leverage) ratio | 22.5137% | 138 |
| Tier 1 risk-based capital ratio | 48.1479% | 139 |
| Total risk-based capital ratio | 49.0168% | 140 |
| Memoranda: | ||
| Average total assets | $57,210,000 | 5,075 |
| Average earning assets | $49,599,750 | 5,128 |
| Average equity | $12,577,500 | 4,087 |
| Average total loans | $17,267,000 | 5,434 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1607% | 5,291 |
| Cost of funding earning assets | 0.3628% | 3,454 |
| Net interest margin | 2.7979% | 5,248 |
| Noninterest income to average assets | 0.4245% | 3,530 |
| Noninterest expense to average assets | 1.6945% | 5,414 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.0125% | 2,369 |
| Return on assets (ROA) | 1.0125% | 2,408 |
| Pretax return on assets | 1.1448% | 2,997 |
| Return on Equity (ROE) | 4.6366% | 4,620 |
| Retained earnings to average equity (ytd only) | 2.2944% | 4,309 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6814% | 4,365 |
| Assets per employee ($millions) | 6.3521% | 1,233 |
| Cash dividends to net income (ytd only)* | 50.5155% | 1,844 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3002% | 2,410 |
| Loan loss allowance to noncurrent loans | 36.3057% | 4,851 |
| Noncurrent assets plus other real estate owned to assets | 1.0985% | 1,587 |
| Noncurrent loans to loans | 3.5812% | 306 |
| Net loans and leases to total assets | 30.2751% | 5,535 |
| Net loans and leases to deposits | 39.2223% | 5,474 |
| Net loans and leases to core deposits | 39.9741% | 5,502 |
| Total domestic deposits to total assets | 77.1887% | 4,931 |
| Equity capital to assets | 22.0959% | 146 |
| Core capital (leverage) ratio | 22.3223% | 134 |
| Tier 1 risk-based capital ratio | 49.7672% | 122 |
| Total risk-based capital ratio | 50.6669% | 123 |
| Memoranda: | ||
| Average total assets | $57,479,000 | 5,110 |
| Average earning assets | $49,609,330 | 5,166 |
| Average equity | $12,552,330 | 4,099 |
| Average total loans | $16,748,000 | 5,503 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1184% | 5,348 |
| Cost of funding earning assets | 0.3555% | 3,471 |
| Net interest margin | 2.7629% | 5,315 |
| Noninterest income to average assets | 0.4372% | 3,398 |
| Noninterest expense to average assets | 1.6449% | 5,519 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.0411% | 2,112 |
| Return on assets (ROA) | 1.0411% | 2,164 |
| Pretax return on assets | 1.1660% | 2,720 |
| Return on Equity (ROE) | 4.7952% | 4,483 |
| Retained earnings to average equity (ytd only) | 4.7952% | 3,014 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.5185% | 4,654 |
| Assets per employee ($millions) | 7.2310% | 847 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3659% | 2,227 |
| Loan loss allowance to noncurrent loans | 36.0759% | 4,934 |
| Noncurrent assets plus other real estate owned to assets | 1.0925% | 1,631 |
| Noncurrent loans to loans | 3.7862% | 294 |
| Net loans and leases to total assets | 28.4608% | 5,621 |
| Net loans and leases to deposits | 36.7180% | 5,561 |
| Net loans and leases to core deposits | 37.7693% | 5,580 |
| Total domestic deposits to total assets | 77.5118% | 5,039 |
| Equity capital to assets | 21.7829% | 151 |
| Core capital (leverage) ratio | 22.0244% | 136 |
| Tier 1 risk-based capital ratio | 51.0995% | 117 |
| Total risk-based capital ratio | 52.0228% | 120 |
| Memoranda: | ||
| Average total assets | $57,634,000 | 5,160 |
| Average earning assets | $49,513,000 | 5,219 |
| Average equity | $12,512,500 | 4,134 |
| Average total loans | $16,354,000 | 5,581 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1725% | 5,335 |
| Cost of funding earning assets | 0.3458% | 3,569 |
| Net interest margin | 2.8267% | 5,249 |
| Noninterest income to average assets | 0.3415% | 4,297 |
| Noninterest expense to average assets | 1.5894% | 5,654 |
| Loan and lease loss provision to assets | 0.0229% | 3,915 |
| Net operating income to assets | 1.0473% | 2,151 |
| Return on assets (ROA) | 1.0473% | 2,255 |
| Pretax return on assets | 1.1899% | 2,719 |
| Return on Equity (ROE) | 4.8132% | 4,508 |
| Retained earnings to average equity (ytd only) | 2.4430% | 4,133 |
| Net charge-offs to loans | 0.0581% | 2,885 |
| Credit loss provision to net charge-offs | 144.4444% | 1,897 |
| Earnings coverage of net charge-offs (x) | 76.5556% | 735 |
| Efficiency ratio | 56.7211% | 4,988 |
| Assets per employee ($millions) | 7.1775% | 845 |
| Cash dividends to net income (ytd only)* | 49.2437% | 2,349 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4236% | 1,990 |
| Loan loss allowance to noncurrent loans | 36.4217% | 4,976 |
| Noncurrent assets plus other real estate owned to assets | 1.0902% | 1,722 |
| Noncurrent loans to loans | 3.9086% | 272 |
| Net loans and leases to total assets | 27.4956% | 5,693 |
| Net loans and leases to deposits | 35.3959% | 5,652 |
| Net loans and leases to core deposits | 36.2035% | 5,671 |
| Total domestic deposits to total assets | 77.6803% | 5,019 |
| Equity capital to assets | 21.6371% | 159 |
| Core capital (leverage) ratio | 21.8859% | 141 |
| Tier 1 risk-based capital ratio | 54.9647% | 110 |
| Total risk-based capital ratio | 55.9700% | 111 |
| Memoranda: | ||
| Average total assets | $56,812,200 | 5,216 |
| Average earning assets | $49,456,200 | 5,258 |
| Average equity | $12,361,800 | 4,198 |
| Average total loans | $15,489,400 | 5,652 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1599% | 5,421 |
| Cost of funding earning assets | 0.3457% | 3,583 |
| Net interest margin | 2.8142% | 5,337 |
| Noninterest income to average assets | 0.3577% | 4,223 |
| Noninterest expense to average assets | 1.5907% | 5,695 |
| Loan and lease loss provision to assets | 0.0188% | 3,871 |
| Net operating income to assets | 1.0542% | 2,180 |
| Return on assets (ROA) | 1.0542% | 2,306 |
| Pretax return on assets | 1.2001% | 2,831 |
| Return on Equity (ROE) | 4.8381% | 4,584 |
| Retained earnings to average equity (ytd only) | 3.2614% | 3,952 |
| Net charge-offs to loans | 0.0781% | 2,204 |
| Credit loss provision to net charge-offs | 88.8889% | 2,546 |
| Earnings coverage of net charge-offs (x) | 57.5542% | 988 |
| Efficiency ratio | 56.6164% | 5,003 |
| Assets per employee ($millions) | 6.1594% | 1,322 |
| Cash dividends to net income (ytd only)* | 32.5889% | 2,714 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3793% | 2,295 |
| Loan loss allowance to noncurrent loans | 49.7768% | 4,735 |
| Noncurrent assets plus other real estate owned to assets | 0.8082% | 2,521 |
| Noncurrent loans to loans | 2.7709% | 583 |
| Net loans and leases to total assets | 28.7634% | 5,737 |
| Net loans and leases to deposits | 37.4868% | 5,692 |
| Net loans and leases to core deposits | 38.3819% | 5,713 |
| Total domestic deposits to total assets | 76.7295% | 5,133 |
| Equity capital to assets | 22.5489% | 148 |
| Core capital (leverage) ratio | 22.1628% | 134 |
| Tier 1 risk-based capital ratio | 56.0920% | 102 |
| Total risk-based capital ratio | 57.0953% | 103 |
| Memoranda: | ||
| Average total assets | $56,660,250 | 5,265 |
| Average earning assets | $49,367,750 | 5,311 |
| Average equity | $12,346,250 | 4,237 |
| Average total loans | $15,357,750 | 5,713 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1053% | 5,538 |
| Cost of funding earning assets | 0.3437% | 3,632 |
| Net interest margin | 2.7616% | 5,496 |
| Noninterest income to average assets | 0.3434% | 4,323 |
| Noninterest expense to average assets | 1.5455% | 5,803 |
| Loan and lease loss provision to assets | 0.0280% | 3,563 |
| Net operating income to assets | 1.0268% | 2,263 |
| Return on assets (ROA) | 1.0268% | 2,403 |
| Pretax return on assets | 1.1635% | 2,930 |
| Return on Equity (ROE) | 4.7662% | 4,620 |
| Retained earnings to average equity (ytd only) | 2.3912% | 4,356 |
| Net charge-offs to loans | 0.1193% | 1,640 |
| Credit loss provision to net charge-offs | 88.8889% | 2,257 |
| Earnings coverage of net charge-offs (x) | 37.7778% | 1,196 |
| Efficiency ratio | 56.4661% | 5,094 |
| Assets per employee ($millions) | 6.3351% | 1,176 |
| Cash dividends to net income (ytd only)* | 49.8294% | 1,980 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5037% | 1,844 |
| Loan loss allowance to noncurrent loans | 48.0603% | 4,849 |
| Noncurrent assets plus other real estate owned to assets | 0.8138% | 2,553 |
| Noncurrent loans to loans | 3.1288% | 456 |
| Net loans and leases to total assets | 25.6191% | 5,872 |
| Net loans and leases to deposits | 32.9841% | 5,840 |
| Net loans and leases to core deposits | 33.7056% | 5,850 |
| Total domestic deposits to total assets | 77.6712% | 5,057 |
| Equity capital to assets | 21.6553% | 161 |
| Core capital (leverage) ratio | 21.3399% | 152 |
| Tier 1 risk-based capital ratio | 58.0735% | 97 |
| Total risk-based capital ratio | 59.1254% | 98 |
| Memoranda: | ||
| Average total assets | $57,068,670 | 5,312 |
| Average earning assets | $49,463,330 | 5,366 |
| Average equity | $12,295,000 | 4,267 |
| Average total loans | $15,087,670 | 5,789 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1111% | 5,595 |
| Cost of funding earning assets | 0.3339% | 3,784 |
| Net interest margin | 2.7772% | 5,505 |
| Noninterest income to average assets | 0.3503% | 4,226 |
| Noninterest expense to average assets | 1.4712% | 5,924 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.0929% | 1,934 |
| Return on assets (ROA) | 1.0929% | 2,032 |
| Pretax return on assets | 1.2681% | 2,433 |
| Return on Equity (ROE) | 5.0860% | 4,441 |
| Retained earnings to average equity (ytd only) | 5.0860% | 2,883 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.7084% | 5,409 |
| Assets per employee ($millions) | 7.3689% | 750 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4526% | 2,184 |
| Loan loss allowance to noncurrent loans | 50.6787% | 4,810 |
| Noncurrent assets plus other real estate owned to assets | 0.7498% | 2,833 |
| Noncurrent loans to loans | 2.8662% | 588 |
| Net loans and leases to total assets | 25.7790% | 5,920 |
| Net loans and leases to deposits | 32.8769% | 5,887 |
| Net loans and leases to core deposits | 33.5630% | 5,899 |
| Total domestic deposits to total assets | 78.4109% | 5,074 |
| Equity capital to assets | 20.9547% | 183 |
| Core capital (leverage) ratio | 21.8547% | 140 |
| Tier 1 risk-based capital ratio | 55.0881% | 109 |
| Total risk-based capital ratio | 56.0896% | 109 |
| Memoranda: | ||
| Average total assets | $57,095,000 | 5,363 |
| Average earning assets | $49,115,000 | 5,420 |
| Average equity | $12,269,000 | 4,288 |
| Average total loans | $15,216,500 | 5,840 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4083% | 5,140 |
| Cost of funding earning assets | 0.3138% | 4,092 |
| Net interest margin | 3.0945% | 4,912 |
| Noninterest income to average assets | 0.3132% | 4,650 |
| Noninterest expense to average assets | 1.7874% | 5,756 |
| Loan and lease loss provision to assets | 0.0188% | 4,031 |
| Net operating income to assets | 1.0691% | 2,045 |
| Return on assets (ROA) | 1.0691% | 2,123 |
| Pretax return on assets | 1.2079% | 2,632 |
| Return on Equity (ROE) | 4.7243% | 4,642 |
| Retained earnings to average equity (ytd only) | 2.3124% | 4,415 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3030% | 4,995 |
| Assets per employee ($millions) | 7.8913% | 585 |
| Cash dividends to net income (ytd only)* | 51.0526% | 2,251 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4921% | 2,043 |
| Loan loss allowance to noncurrent loans | 50.5643% | 4,867 |
| Noncurrent assets plus other real estate owned to assets | 0.8020% | 2,666 |
| Noncurrent loans to loans | 2.9510% | 548 |
| Net loans and leases to total assets | 26.7709% | 5,962 |
| Net loans and leases to deposits | 34.6388% | 5,917 |
| Net loans and leases to core deposits | 35.4221% | 5,935 |
| Total domestic deposits to total assets | 77.2860% | 5,276 |
| Equity capital to assets | 22.0587% | 144 |
| Core capital (leverage) ratio | 22.7134% | 116 |
| Tier 1 risk-based capital ratio | 55.8125% | 102 |
| Total risk-based capital ratio | 56.8401% | 102 |
| Memoranda: | ||
| Average total assets | $53,317,400 | 5,476 |
| Average earning assets | $46,533,800 | 5,511 |
| Average equity | $12,065,400 | 4,294 |
| Average total loans | $15,795,000 | 5,870 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4287% | 5,142 |
| Cost of funding earning assets | 0.3138% | 4,181 |
| Net interest margin | 3.1149% | 4,923 |
| Noninterest income to average assets | 0.3129% | 4,709 |
| Noninterest expense to average assets | 1.7942% | 5,783 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.1002% | 2,002 |
| Return on assets (ROA) | 1.1002% | 2,085 |
| Pretax return on assets | 1.2491% | 2,605 |
| Return on Equity (ROE) | 4.8300% | 4,699 |
| Retained earnings to average equity (ytd only) | 3.2348% | 4,158 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.9552% | 5,011 |
| Assets per employee ($millions) | 7.4647% | 698 |
| Cash dividends to net income (ytd only)* | 33.0283% | 2,663 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3187% | 2,997 |
| Loan loss allowance to noncurrent loans | 45.5319% | 5,074 |
| Noncurrent assets plus other real estate owned to assets | 0.8995% | 2,624 |
| Noncurrent loans to loans | 2.8962% | 628 |
| Net loans and leases to total assets | 30.6470% | 5,951 |
| Net loans and leases to deposits | 40.3589% | 5,853 |
| Net loans and leases to core deposits | 41.0742% | 5,882 |
| Total domestic deposits to total assets | 75.9363% | 5,493 |
| Equity capital to assets | 23.3345% | 121 |
| Core capital (leverage) ratio | 23.4942% | 113 |
| Tier 1 risk-based capital ratio | 54.0308% | 118 |
| Total risk-based capital ratio | 54.9803% | 116 |
| Memoranda: | ||
| Average total assets | $52,837,000 | 5,554 |
| Average earning assets | $46,314,000 | 5,589 |
| Average equity | $12,035,500 | 4,349 |
| Average total loans | $15,990,750 | 5,937 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3975% | 5,236 |
| Cost of funding earning assets | 0.3096% | 4,283 |
| Net interest margin | 3.0879% | 4,992 |
| Noninterest income to average assets | 0.3017% | 4,796 |
| Noninterest expense to average assets | 1.7838% | 5,875 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.0824% | 2,005 |
| Return on assets (ROA) | 1.0824% | 2,109 |
| Pretax return on assets | 1.2257% | 2,669 |
| Return on Equity (ROE) | 4.7901% | 4,707 |
| Retained earnings to average equity (ytd only) | 2.3867% | 4,539 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.2732% | 5,080 |
| Assets per employee ($millions) | 6.5128% | 1,046 |
| Cash dividends to net income (ytd only)* | 50.1742% | 1,929 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3751% | 2,870 |
| Loan loss allowance to noncurrent loans | 50.4717% | 4,975 |
| Noncurrent assets plus other real estate owned to assets | 0.8138% | 2,942 |
| Noncurrent loans to loans | 2.7246% | 787 |
| Net loans and leases to total assets | 29.4576% | 6,053 |
| Net loans and leases to deposits | 38.6541% | 5,952 |
| Net loans and leases to core deposits | 39.5955% | 5,969 |
| Total domestic deposits to total assets | 76.2082% | 5,575 |
| Equity capital to assets | 23.0644% | 124 |
| Core capital (leverage) ratio | 22.7848% | 122 |
| Tier 1 risk-based capital ratio | 55.7363% | 116 |
| Total risk-based capital ratio | 56.7278% | 115 |
| Memoranda: | ||
| Average total assets | $53,031,670 | 5,613 |
| Average earning assets | $46,504,330 | 5,646 |
| Average equity | $11,983,000 | 4,384 |
| Average total loans | $15,911,670 | 6,006 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3740% | 5,266 |
| Cost of funding earning assets | 0.3091% | 4,338 |
| Net interest margin | 3.0650% | 5,043 |
| Noninterest income to average assets | 0.3215% | 4,619 |
| Noninterest expense to average assets | 1.7496% | 5,960 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.0917% | 1,898 |
| Return on assets (ROA) | 1.0917% | 2,008 |
| Pretax return on assets | 1.2412% | 2,507 |
| Return on Equity (ROE) | 4.8805% | 4,592 |
| Retained earnings to average equity (ytd only) | 4.8805% | 3,124 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.5000% | 5,283 |
| Assets per employee ($millions) | 6.6660% | 989 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3539% | 3,131 |
| Loan loss allowance to noncurrent loans | 50.5910% | 5,008 |
| Noncurrent assets plus other real estate owned to assets | 0.8513% | 2,948 |
| Noncurrent loans to loans | 2.6762% | 887 |
| Net loans and leases to total assets | 29.2379% | 6,100 |
| Net loans and leases to deposits | 38.1493% | 5,981 |
| Net loans and leases to core deposits | 39.0483% | 6,003 |
| Total domestic deposits to total assets | 76.6408% | 5,673 |
| Equity capital to assets | 22.6016% | 140 |
| Core capital (leverage) ratio | 22.3423% | 128 |
| Tier 1 risk-based capital ratio | 54.3672% | 126 |
| Total risk-based capital ratio | 55.3341% | 127 |
| Memoranda: | ||
| Average total assets | $53,496,500 | 5,652 |
| Average earning assets | $46,591,000 | 5,693 |
| Average equity | $11,966,000 | 4,420 |
| Average total loans | $16,086,500 | 6,051 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5957% | 5,086 |
| Cost of funding earning assets | 0.3226% | 4,557 |
| Net interest margin | 3.2732% | 4,673 |
| Noninterest income to average assets | 0.3485% | 4,613 |
| Noninterest expense to average assets | 1.7500% | 6,115 |
| Loan and lease loss provision to assets | 0.0283% | 4,040 |
| Net operating income to assets | 1.2282% | 1,504 |
| Return on assets (ROA) | 1.2282% | 1,556 |
| Pretax return on assets | 1.4184% | 1,821 |
| Return on Equity (ROE) | 5.5704% | 4,377 |
| Retained earnings to average equity (ytd only) | 3.0842% | 4,046 |
| Net charge-offs to loans | -0.0063% | 5,496 |
| Credit loss provision to net charge-offs | -1,500.0000% | 5,953 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.7437% | 5,785 |
| Assets per employee ($millions) | 6.7081% | 949 |
| Cash dividends to net income (ytd only)* | 44.6319% | 2,593 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3075% | 3,379 |
| Loan loss allowance to noncurrent loans | 46.9298% | 5,197 |
| Noncurrent assets plus other real estate owned to assets | 0.8497% | 3,081 |
| Noncurrent loans to loans | 2.7861% | 852 |
| Net loans and leases to total assets | 30.0997% | 6,174 |
| Net loans and leases to deposits | 39.0367% | 6,063 |
| Net loans and leases to core deposits | 39.9441% | 6,096 |
| Total domestic deposits to total assets | 77.1061% | 5,582 |
| Equity capital to assets | 22.1355% | 148 |
| Core capital (leverage) ratio | 22.4517% | 132 |
| Tier 1 risk-based capital ratio | 53.0225% | 120 |
| Total risk-based capital ratio | 53.9765% | 120 |
| Memoranda: | ||
| Average total assets | $53,086,200 | 5,718 |
| Average earning assets | $46,193,800 | 5,769 |
| Average equity | $11,704,800 | 4,418 |
| Average total loans | $15,900,400 | 6,132 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5856% | 5,182 |
| Cost of funding earning assets | 0.3270% | 4,593 |
| Net interest margin | 3.2586% | 4,767 |
| Noninterest income to average assets | 0.3627% | 4,528 |
| Noninterest expense to average assets | 1.7327% | 6,177 |
| Loan and lease loss provision to assets | 0.0252% | 3,904 |
| Net operating income to assets | 1.2466% | 1,536 |
| Return on assets (ROA) | 1.2466% | 1,590 |
| Pretax return on assets | 1.4405% | 1,844 |
| Return on Equity (ROE) | 5.6596% | 4,418 |
| Retained earnings to average equity (ytd only) | 4.0132% | 3,792 |
| Net charge-offs to loans | -0.0084% | 5,395 |
| Credit loss provision to net charge-offs | -1,000.0000% | 5,871 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.1732% | 5,802 |
| Assets per employee ($millions) | 6.6529% | 942 |
| Cash dividends to net income (ytd only)* | 29.0918% | 2,849 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3222% | 3,537 |
| Loan loss allowance to noncurrent loans | 42.6531% | 5,369 |
| Noncurrent assets plus other real estate owned to assets | 0.9207% | 3,139 |
| Noncurrent loans to loans | 3.0999% | 838 |
| Net loans and leases to total assets | 29.3069% | 6,276 |
| Net loans and leases to deposits | 38.0913% | 6,182 |
| Net loans and leases to core deposits | 38.9599% | 6,207 |
| Total domestic deposits to total assets | 76.9385% | 5,686 |
| Equity capital to assets | 22.2686% | 153 |
| Core capital (leverage) ratio | 22.3720% | 134 |
| Tier 1 risk-based capital ratio | 53.5412% | 118 |
| Total risk-based capital ratio | 54.4828% | 118 |
| Memoranda: | ||
| Average total assets | $52,941,500 | 5,785 |
| Average earning assets | $46,072,250 | 5,834 |
| Average equity | $11,661,250 | 4,456 |
| Average total loans | $15,783,750 | 6,202 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5995% | 5,151 |
| Cost of funding earning assets | 0.3308% | 4,637 |
| Net interest margin | 3.2687% | 4,705 |
| Noninterest income to average assets | 0.4163% | 4,127 |
| Noninterest expense to average assets | 1.7371% | 6,228 |
| Loan and lease loss provision to assets | 0.0189% | 3,888 |
| Net operating income to assets | 1.2943% | 1,330 |
| Return on assets (ROA) | 1.2943% | 1,379 |
| Pretax return on assets | 1.5024% | 1,532 |
| Return on Equity (ROE) | 5.8977% | 4,214 |
| Retained earnings to average equity (ytd only) | 3.4145% | 4,026 |
| Net charge-offs to loans | -0.0127% | 5,392 |
| Credit loss provision to net charge-offs | -500.0000% | 5,558 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.3101% | 5,972 |
| Assets per employee ($millions) | 7.6271% | 585 |
| Cash dividends to net income (ytd only)* | 42.1053% | 2,311 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2952% | 3,872 |
| Loan loss allowance to noncurrent loans | 44.5415% | 5,376 |
| Noncurrent assets plus other real estate owned to assets | 0.9140% | 3,258 |
| Noncurrent loans to loans | 2.9078% | 1,021 |
| Net loans and leases to total assets | 29.1197% | 6,332 |
| Net loans and leases to deposits | 37.6641% | 6,238 |
| Net loans and leases to core deposits | 38.5409% | 6,258 |
| Total domestic deposits to total assets | 77.3141% | 5,755 |
| Equity capital to assets | 21.8917% | 151 |
| Core capital (leverage) ratio | 22.1559% | 130 |
| Tier 1 risk-based capital ratio | 52.9303% | 119 |
| Total risk-based capital ratio | 53.8507% | 119 |
| Memoranda: | ||
| Average total assets | $52,847,670 | 5,832 |
| Average earning assets | $45,951,330 | 5,891 |
| Average equity | $11,597,670 | 4,475 |
| Average total loans | $15,776,000 | 6,260 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6535% | 4,997 |
| Cost of funding earning assets | 0.3425% | 4,618 |
| Net interest margin | 3.3110% | 4,484 |
| Noninterest income to average assets | 0.4413% | 3,858 |
| Noninterest expense to average assets | 1.7422% | 6,289 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.3466% | 1,110 |
| Return on assets (ROA) | 1.3466% | 1,150 |
| Pretax return on assets | 1.5672% | 1,244 |
| Return on Equity (ROE) | 6.1285% | 3,946 |
| Retained earnings to average equity (ytd only) | 6.1285% | 2,466 |
| Net charge-offs to loans | -0.0253% | 5,472 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.6437% | 6,105 |
| Assets per employee ($millions) | 7.5201% | 622 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2832% | 4,209 |
| Loan loss allowance to noncurrent loans | 43.4498% | 5,462 |
| Noncurrent assets plus other real estate owned to assets | 0.9270% | 3,410 |
| Noncurrent loans to loans | 2.9533% | 1,090 |
| Net loans and leases to total assets | 29.0819% | 6,389 |
| Net loans and leases to deposits | 37.7534% | 6,260 |
| Net loans and leases to core deposits | 38.3300% | 6,303 |
| Total domestic deposits to total assets | 77.0312% | 5,962 |
| Equity capital to assets | 22.1367% | 142 |
| Core capital (leverage) ratio | 22.3045% | 129 |
| Tier 1 risk-based capital ratio | 54.0125% | 112 |
| Total risk-based capital ratio | 54.9304% | 112 |
| Memoranda: | ||
| Average total assets | $52,576,500 | 5,898 |
| Average earning assets | $45,545,000 | 5,953 |
| Average equity | $11,552,500 | 4,497 |
| Average total loans | $15,788,500 | 6,315 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6479% | 5,284 |
| Cost of funding earning assets | 0.3932% | 4,727 |
| Net interest margin | 3.2547% | 4,824 |
| Noninterest income to average assets | 0.3457% | 4,849 |
| Noninterest expense to average assets | 1.6974% | 6,449 |
| Loan and lease loss provision to assets | 0.0386% | 4,344 |
| Net operating income to assets | 1.2706% | 1,331 |
| Return on assets (ROA) | 1.2706% | 1,388 |
| Pretax return on assets | 1.4386% | 1,656 |
| Return on Equity (ROE) | 5.7948% | 4,213 |
| Retained earnings to average equity (ytd only) | 3.2321% | 3,929 |
| Net charge-offs to loans | -0.0132% | 6,065 |
| Credit loss provision to net charge-offs | -1,000.0000% | 6,222 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.4672% | 6,181 |
| Assets per employee ($millions) | 7.5017% | 602 |
| Cash dividends to net income (ytd only)* | 44.2249% | 2,593 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2322% | 4,489 |
| Loan loss allowance to noncurrent loans | 43.4211% | 5,511 |
| Noncurrent assets plus other real estate owned to assets | 0.9255% | 3,589 |
| Noncurrent loans to loans | 2.8378% | 1,236 |
| Net loans and leases to total assets | 30.2236% | 6,455 |
| Net loans and leases to deposits | 39.1046% | 6,334 |
| Net loans and leases to core deposits | 39.7003% | 6,373 |
| Total domestic deposits to total assets | 77.2890% | 5,933 |
| Equity capital to assets | 21.8083% | 148 |
| Core capital (leverage) ratio | 22.0892% | 133 |
| Tier 1 risk-based capital ratio | 51.7314% | 123 |
| Total risk-based capital ratio | 52.6195% | 124 |
| Memoranda: | ||
| Average total assets | $51,786,000 | 5,970 |
| Average earning assets | $45,012,000 | 6,019 |
| Average equity | $11,355,000 | 4,568 |
| Average total loans | $15,165,200 | 6,408 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6228% | 5,377 |
| Cost of funding earning assets | 0.4105% | 4,725 |
| Net interest margin | 3.2123% | 4,955 |
| Noninterest income to average assets | 0.3591% | 4,825 |
| Noninterest expense to average assets | 1.6665% | 6,498 |
| Loan and lease loss provision to assets | 0.0258% | 4,491 |
| Net operating income to assets | 1.2867% | 1,382 |
| Return on assets (ROA) | 1.2867% | 1,448 |
| Pretax return on assets | 1.4572% | 1,738 |
| Return on Equity (ROE) | 5.8600% | 4,262 |
| Retained earnings to average equity (ytd only) | 4.1656% | 3,721 |
| Net charge-offs to loans | -0.0179% | 6,021 |
| Credit loss provision to net charge-offs | -500.0000% | 6,060 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.9122% | 6,185 |
| Assets per employee ($millions) | 7.4680% | 591 |
| Cash dividends to net income (ytd only)* | 28.9165% | 2,729 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2364% | 4,707 |
| Loan loss allowance to noncurrent loans | 35.2060% | 5,801 |
| Noncurrent assets plus other real estate owned to assets | 1.0215% | 3,602 |
| Noncurrent loans to loans | 3.5120% | 1,081 |
| Net loans and leases to total assets | 28.7264% | 6,574 |
| Net loans and leases to deposits | 37.2122% | 6,466 |
| Net loans and leases to core deposits | 37.5434% | 6,516 |
| Total domestic deposits to total assets | 77.1960% | 6,024 |
| Equity capital to assets | 21.8819% | 152 |
| Core capital (leverage) ratio | 22.3911% | 125 |
| Tier 1 risk-based capital ratio | 54.6075% | 112 |
| Total risk-based capital ratio | 55.4987% | 114 |
| Memoranda: | ||
| Average total assets | $51,604,500 | 6,044 |
| Average earning assets | $44,826,250 | 6,098 |
| Average equity | $11,330,750 | 4,624 |
| Average total loans | $14,939,250 | 6,481 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5848% | 5,484 |
| Cost of funding earning assets | 0.4236% | 4,724 |
| Net interest margin | 3.1613% | 5,082 |
| Noninterest income to average assets | 0.3581% | 4,827 |
| Noninterest expense to average assets | 1.6426% | 6,553 |
| Loan and lease loss provision to assets | 0.0389% | 4,173 |
| Net operating income to assets | 1.2729% | 1,394 |
| Return on assets (ROA) | 1.2729% | 1,494 |
| Pretax return on assets | 1.4363% | 1,817 |
| Return on Equity (ROE) | 5.7903% | 4,297 |
| Retained earnings to average equity (ytd only) | 3.2405% | 4,247 |
| Net charge-offs to loans | -0.0269% | 6,066 |
| Credit loss provision to net charge-offs | -500.0000% | 5,903 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.6841% | 6,245 |
| Assets per employee ($millions) | 7.3311% | 616 |
| Cash dividends to net income (ytd only)* | 44.0367% | 2,102 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2645% | 4,671 |
| Loan loss allowance to noncurrent loans | 34.8148% | 5,852 |
| Noncurrent assets plus other real estate owned to assets | 1.0523% | 3,642 |
| Noncurrent loans to loans | 3.6320% | 1,131 |
| Net loans and leases to total assets | 28.6059% | 6,618 |
| Net loans and leases to deposits | 37.1401% | 6,515 |
| Net loans and leases to core deposits | 37.7223% | 6,550 |
| Total domestic deposits to total assets | 77.0217% | 6,122 |
| Equity capital to assets | 22.0624% | 135 |
| Core capital (leverage) ratio | 22.1211% | 121 |
| Tier 1 risk-based capital ratio | 57.0445% | 97 |
| Total risk-based capital ratio | 57.9894% | 99 |
| Memoranda: | ||
| Average total assets | $51,380,670 | 6,092 |
| Average earning assets | $44,855,670 | 6,143 |
| Average equity | $11,294,670 | 4,664 |
| Average total loans | $14,850,670 | 6,525 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6836% | 5,220 |
| Cost of funding earning assets | 0.4481% | 4,616 |
| Net interest margin | 3.2355% | 4,776 |
| Noninterest income to average assets | 0.3735% | 4,683 |
| Noninterest expense to average assets | 1.8206% | 6,414 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.2137% | 1,494 |
| Return on assets (ROA) | 1.2137% | 1,601 |
| Pretax return on assets | 1.3615% | 2,005 |
| Return on Equity (ROE) | 5.5314% | 4,296 |
| Retained earnings to average equity (ytd only) | 5.5314% | 2,936 |
| Net charge-offs to loans | -0.0270% | 5,852 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.2127% | 5,932 |
| Assets per employee ($millions) | 7.4420% | 618 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2135% | 5,118 |
| Loan loss allowance to noncurrent loans | 252.8571% | 1,553 |
| Noncurrent assets plus other real estate owned to assets | 0.1344% | 6,169 |
| Noncurrent loans to loans | 0.4799% | 5,223 |
| Net loans and leases to total assets | 27.6596% | 6,677 |
| Net loans and leases to deposits | 35.7908% | 6,579 |
| Net loans and leases to core deposits | 36.3386% | 6,614 |
| Total domestic deposits to total assets | 77.2815% | 6,216 |
| Equity capital to assets | 21.8029% | 154 |
| Core capital (leverage) ratio | 22.1319% | 129 |
| Tier 1 risk-based capital ratio | 58.0050% | 96 |
| Total risk-based capital ratio | 58.9118% | 97 |
| Memoranda: | ||
| Average total assets | $51,412,000 | 6,145 |
| Average earning assets | $44,630,500 | 6,198 |
| Average equity | $11,281,000 | 4,721 |
| Average total loans | $14,842,000 | 6,589 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0973% | 4,959 |
| Cost of funding earning assets | 0.5702% | 4,643 |
| Net interest margin | 3.5271% | 4,388 |
| Noninterest income to average assets | 0.3425% | 5,012 |
| Noninterest expense to average assets | 1.8525% | 6,551 |
| Loan and lease loss provision to assets | 0.0801% | 4,705 |
| Net operating income to assets | 1.2417% | 1,473 |
| Return on assets (ROA) | 1.2417% | 1,636 |
| Pretax return on assets | 1.4079% | 2,018 |
| Return on Equity (ROE) | 5.6013% | 4,371 |
| Retained earnings to average equity (ytd only) | 2.9814% | 4,134 |
| Net charge-offs to loans | 0.5174% | 2,175 |
| Credit loss provision to net charge-offs | 51.2821% | 4,668 |
| Earnings coverage of net charge-offs (x) | 9.5256% | 2,259 |
| Efficiency ratio | 55.4556% | 6,122 |
| Assets per employee ($millions) | 7.2471% | 691 |
| Cash dividends to net income (ytd only)* | 46.7742% | 2,484 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1657% | 5,283 |
| Loan loss allowance to noncurrent loans | 234.6667% | 1,606 |
| Noncurrent assets plus other real estate owned to assets | 0.1478% | 6,194 |
| Noncurrent loans to loans | 0.4968% | 5,292 |
| Net loans and leases to total assets | 29.4145% | 6,714 |
| Net loans and leases to deposits | 38.2468% | 6,628 |
| Net loans and leases to core deposits | 38.8503% | 6,647 |
| Total domestic deposits to total assets | 76.9072% | 6,240 |
| Equity capital to assets | 22.0856% | 152 |
| Core capital (leverage) ratio | 22.2495% | 127 |
| Tier 1 risk-based capital ratio | 55.7625% | 114 |
| Total risk-based capital ratio | 56.6414% | 113 |
| Memoranda: | ||
| Average total assets | $49,933,400 | 6,213 |
| Average earning assets | $42,442,200 | 6,290 |
| Average equity | $11,068,800 | 4,750 |
| Average total loans | $15,074,800 | 6,654 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1654% | 4,936 |
| Cost of funding earning assets | 0.6005% | 4,644 |
| Net interest margin | 3.5649% | 4,378 |
| Noninterest income to average assets | 0.3217% | 5,210 |
| Noninterest expense to average assets | 1.8820% | 6,553 |
| Loan and lease loss provision to assets | 0.0804% | 4,629 |
| Net operating income to assets | 1.1983% | 1,747 |
| Return on assets (ROA) | 1.1983% | 1,921 |
| Pretax return on assets | 1.3672% | 2,351 |
| Return on Equity (ROE) | 5.4009% | 4,643 |
| Retained earnings to average equity (ytd only) | 3.6610% | 4,314 |
| Net charge-offs to loans | 0.6902% | 1,596 |
| Credit loss provision to net charge-offs | 38.4615% | 4,646 |
| Earnings coverage of net charge-offs (x) | 6.9229% | 2,690 |
| Efficiency ratio | 56.5217% | 5,992 |
| Assets per employee ($millions) | 7.1291% | 702 |
| Cash dividends to net income (ytd only)* | 32.2153% | 2,519 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0931% | 5,747 |
| Loan loss allowance to noncurrent loans | 353.1915% | 1,059 |
| Noncurrent assets plus other real estate owned to assets | 0.0942% | 6,497 |
| Noncurrent loans to loans | 0.3095% | 5,866 |
| Net loans and leases to total assets | 30.0978% | 6,815 |
| Net loans and leases to deposits | 39.3173% | 6,705 |
| Net loans and leases to core deposits | 39.9521% | 6,739 |
| Total domestic deposits to total assets | 76.5510% | 6,307 |
| Equity capital to assets | 22.4190% | 158 |
| Core capital (leverage) ratio | 22.3538% | 134 |
| Tier 1 risk-based capital ratio | 55.5750% | 111 |
| Total risk-based capital ratio | 56.4031% | 111 |
| Memoranda: | ||
| Average total assets | $49,734,250 | 6,291 |
| Average earning assets | $41,964,000 | 6,375 |
| Average equity | $11,035,000 | 4,800 |
| Average total loans | $15,069,000 | 6,739 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2057% | 4,930 |
| Cost of funding earning assets | 0.6304% | 4,620 |
| Net interest margin | 3.5753% | 4,363 |
| Noninterest income to average assets | 0.3422% | 5,099 |
| Noninterest expense to average assets | 1.9083% | 6,579 |
| Loan and lease loss provision to assets | 0.0805% | 4,591 |
| Net operating income to assets | 1.1917% | 1,743 |
| Return on assets (ROA) | 1.1917% | 1,940 |
| Pretax return on assets | 1.3447% | 2,405 |
| Return on Equity (ROE) | 5.3897% | 4,631 |
| Retained earnings to average equity (ytd only) | 2.7677% | 4,777 |
| Net charge-offs to loans | 1.0379% | 1,056 |
| Credit loss provision to net charge-offs | 25.6410% | 4,514 |
| Earnings coverage of net charge-offs (x) | 4.5385% | 3,050 |
| Efficiency ratio | 57.2464% | 5,965 |
| Assets per employee ($millions) | 7.1443% | 684 |
| Cash dividends to net income (ytd only)* | 48.6486% | 1,795 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0483% | 5,971 |
| Loan loss allowance to noncurrent loans | 305.8824% | 1,172 |
| Noncurrent assets plus other real estate owned to assets | 0.1020% | 6,541 |
| Noncurrent loans to loans | 0.3427% | 5,864 |
| Net loans and leases to total assets | 29.4441% | 6,889 |
| Net loans and leases to deposits | 38.2756% | 6,793 |
| Net loans and leases to core deposits | 38.8871% | 6,834 |
| Total domestic deposits to total assets | 76.9266% | 6,334 |
| Equity capital to assets | 22.0716% | 154 |
| Core capital (leverage) ratio | 21.8349% | 138 |
| Tier 1 risk-based capital ratio | 56.0069% | 108 |
| Total risk-based capital ratio | 56.8021% | 108 |
| Memoranda: | ||
| Average total assets | $49,677,670 | 6,325 |
| Average earning assets | $41,563,000 | 6,425 |
| Average equity | $10,984,000 | 4,815 |
| Average total loans | $15,030,000 | 6,798 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3193% | 4,663 |
| Cost of funding earning assets | 0.6615% | 4,623 |
| Net interest margin | 3.6578% | 4,019 |
| Noninterest income to average assets | 0.3393% | 5,147 |
| Noninterest expense to average assets | 1.8743% | 6,689 |
| Loan and lease loss provision to assets | 0.0808% | 4,385 |
| Net operating income to assets | 1.2442% | 1,617 |
| Return on assets (ROA) | 1.2442% | 1,793 |
| Pretax return on assets | 1.4219% | 2,113 |
| Return on Equity (ROE) | 5.6220% | 4,486 |
| Retained earnings to average equity (ytd only) | 5.6220% | 3,185 |
| Net charge-offs to loans | 2.6217% | 307 |
| Credit loss provision to net charge-offs | 10.1010% | 3,901 |
| Earnings coverage of net charge-offs (x) | 1.8788% | 3,395 |
| Efficiency ratio | 55.5024% | 6,183 |
| Assets per employee ($millions) | 7.2363% | 667 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8362% | 6,676 |
| Loan loss allowance to noncurrent loans | 227.2727% | 1,464 |
| Noncurrent assets plus other real estate owned to assets | 0.1875% | 6,409 |
| Noncurrent loans to loans | 0.3679% | 5,932 |
| Net loans and leases to total assets | 29.2652% | 6,938 |
| Net loans and leases to deposits | 37.8927% | 6,822 |
| Net loans and leases to core deposits | 38.4849% | 6,869 |
| Total domestic deposits to total assets | 77.2318% | 6,360 |
| Equity capital to assets | 21.7752% | 151 |
| Core capital (leverage) ratio | 21.9958% | 134 |
| Tier 1 risk-based capital ratio | 56.2551% | 106 |
| Total risk-based capital ratio | 56.8950% | 108 |
| Memoranda: | ||
| Average total assets | $49,511,500 | 6,383 |
| Average earning assets | $41,117,500 | 6,487 |
| Average equity | $10,957,000 | 4,829 |
| Average total loans | $15,104,500 | 6,849 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3410% | 5,629 |
| Cost of funding earning assets | 0.7043% | 5,510 |
| Net interest margin | 3.6367% | 4,585 |
| Noninterest income to average assets | 0.3421% | 5,085 |
| Noninterest expense to average assets | 2.1613% | 6,354 |
| Loan and lease loss provision to assets | 0.0512% | 5,950 |
| Net operating income to assets | 1.2558% | 1,363 |
| Return on assets (ROA) | 1.2558% | 1,461 |
| Pretax return on assets | 1.3029% | 2,119 |
| Return on Equity (ROE) | 5.4490% | 4,168 |
| Retained earnings to average equity (ytd only) | -2.8356% | 6,250 |
| Net charge-offs to loans | 0.3620% | 3,595 |
| Credit loss provision to net charge-offs | 44.6429% | 5,540 |
| Earnings coverage of net charge-offs (x) | 11.8036% | 1,682 |
| Efficiency ratio | 61.4802% | 5,539 |
| Assets per employee ($millions) | 6.0461% | 1,199 |
| Cash dividends to net income (ytd only)* | 152.0392% | 147 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4024% | 4,446 |
| Loan loss allowance to noncurrent loans | 141.7219% | 2,242 |
| Noncurrent assets plus other real estate owned to assets | 0.3122% | 6,200 |
| Noncurrent loans to loans | 0.9895% | 4,726 |
| Net loans and leases to total assets | 31.1067% | 6,974 |
| Net loans and leases to deposits | 40.6473% | 6,844 |
| Net loans and leases to core deposits | 41.3181% | 6,905 |
| Total domestic deposits to total assets | 76.5284% | 6,403 |
| Equity capital to assets | 22.5020% | 143 |
| Core capital (leverage) ratio | 22.7010% | 126 |
| Tier 1 risk-based capital ratio | 55.6686% | 111 |
| Total risk-based capital ratio | 56.7679% | 111 |
| Memoranda: | ||
| Average total assets | $48,813,200 | 6,397 |
| Average earning assets | $42,593,600 | 6,438 |
| Average equity | $11,249,800 | 4,728 |
| Average total loans | $15,469,200 | 6,883 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3208% | 5,883 |
| Cost of funding earning assets | 0.7191% | 5,654 |
| Net interest margin | 3.6017% | 4,759 |
| Noninterest income to average assets | 0.3134% | 5,359 |
| Noninterest expense to average assets | 2.1475% | 6,408 |
| Loan and lease loss provision to assets | 0.0272% | 6,097 |
| Net operating income to assets | 1.2590% | 1,490 |
| Return on assets (ROA) | 1.2590% | 1,595 |
| Pretax return on assets | 1.3054% | 2,268 |
| Return on Equity (ROE) | 5.4313% | 4,318 |
| Retained earnings to average equity (ytd only) | 3.5033% | 4,250 |
| Net charge-offs to loans | 0.3178% | 3,511 |
| Credit loss provision to net charge-offs | 27.0270% | 5,458 |
| Earnings coverage of net charge-offs (x) | 13.2167% | 1,635 |
| Efficiency ratio | 61.7071% | 5,460 |
| Assets per employee ($millions) | 5.9739% | 1,222 |
| Cash dividends to net income (ytd only)* | 35.4979% | 2,242 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3675% | 4,697 |
| Loan loss allowance to noncurrent loans | 135.4037% | 2,236 |
| Noncurrent assets plus other real estate owned to assets | 0.3787% | 6,132 |
| Noncurrent loans to loans | 1.0100% | 4,875 |
| Net loans and leases to total assets | 32.8995% | 6,998 |
| Net loans and leases to deposits | 43.8981% | 6,839 |
| Net loans and leases to core deposits | 44.3289% | 6,911 |
| Total domestic deposits to total assets | 74.9451% | 6,644 |
| Equity capital to assets | 24.0610% | 129 |
| Core capital (leverage) ratio | 23.7418% | 128 |
| Tier 1 risk-based capital ratio | 57.5723% | 120 |
| Total risk-based capital ratio | 58.6680% | 119 |
| Memoranda: | ||
| Average total assets | $48,924,250 | 6,455 |
| Average earning assets | $43,015,750 | 6,482 |
| Average equity | $11,341,250 | 4,726 |
| Average total loans | $15,521,500 | 6,943 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2830% | 6,070 |
| Cost of funding earning assets | 0.7377% | 5,748 |
| Net interest margin | 3.5454% | 4,944 |
| Noninterest income to average assets | 0.3083% | 5,429 |
| Noninterest expense to average assets | 2.1662% | 6,466 |
| Loan and lease loss provision to assets | 0.0406% | 5,802 |
| Net operating income to assets | 1.2089% | 1,542 |
| Return on assets (ROA) | 1.2089% | 1,631 |
| Pretax return on assets | 1.2210% | 2,401 |
| Return on Equity (ROE) | 5.2796% | 4,318 |
| Retained earnings to average equity (ytd only) | 2.5867% | 4,648 |
| Net charge-offs to loans | 0.4941% | 2,621 |
| Credit loss provision to net charge-offs | 26.3158% | 5,038 |
| Earnings coverage of net charge-offs (x) | 8.1842% | 2,103 |
| Efficiency ratio | 63.1953% | 5,372 |
| Assets per employee ($millions) | 6.0658% | 1,151 |
| Cash dividends to net income (ytd only)* | 51.0067% | 1,659 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3980% | 4,579 |
| Loan loss allowance to noncurrent loans | 108.5000% | 2,663 |
| Noncurrent assets plus other real estate owned to assets | 0.4534% | 6,017 |
| Noncurrent loans to loans | 1.2885% | 4,513 |
| Net loans and leases to total assets | 31.5398% | 7,127 |
| Net loans and leases to deposits | 41.6905% | 7,003 |
| Net loans and leases to core deposits | 42.3879% | 7,061 |
| Total domestic deposits to total assets | 75.6522% | 6,651 |
| Equity capital to assets | 23.3813% | 145 |
| Core capital (leverage) ratio | 23.1660% | 140 |
| Tier 1 risk-based capital ratio | 57.7133% | 115 |
| Total risk-based capital ratio | 58.8214% | 116 |
| Memoranda: | ||
| Average total assets | $49,302,000 | 6,506 |
| Average earning assets | $43,380,330 | 6,525 |
| Average equity | $11,288,670 | 4,739 |
| Average total loans | $15,381,670 | 7,020 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3089% | 5,994 |
| Cost of funding earning assets | 0.7470% | 5,878 |
| Net interest margin | 3.5619% | 4,763 |
| Noninterest income to average assets | 0.3139% | 5,416 |
| Noninterest expense to average assets | 2.1896% | 6,446 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.2397% | 1,422 |
| Return on assets (ROA) | 1.2397% | 1,478 |
| Pretax return on assets | 1.2719% | 2,130 |
| Return on Equity (ROE) | 5.4707% | 4,173 |
| Retained earnings to average equity (ytd only) | 5.4707% | 2,924 |
| Net charge-offs to loans | 1.0188% | 1,338 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 4.0513% | 2,570 |
| Efficiency ratio | 63.2558% | 5,478 |
| Assets per employee ($millions) | 6.1850% | 1,080 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3407% | 4,938 |
| Loan loss allowance to noncurrent loans | 118.3908% | 2,455 |
| Noncurrent assets plus other real estate owned to assets | 0.3921% | 6,222 |
| Noncurrent loans to loans | 1.1324% | 4,814 |
| Net loans and leases to total assets | 30.6366% | 7,211 |
| Net loans and leases to deposits | 40.2629% | 7,087 |
| Net loans and leases to core deposits | 40.9150% | 7,136 |
| Total domestic deposits to total assets | 76.0914% | 6,659 |
| Equity capital to assets | 22.9305% | 148 |
| Core capital (leverage) ratio | 22.9432% | 141 |
| Tier 1 risk-based capital ratio | 57.3057% | 115 |
| Total risk-based capital ratio | 58.3494% | 116 |
| Memoranda: | ||
| Average total assets | $49,690,000 | 6,541 |
| Average earning assets | $43,909,000 | 6,562 |
| Average equity | $11,260,000 | 4,730 |
| Average total loans | $15,311,500 | 7,073 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3451% | 6,709 |
| Cost of funding earning assets | 0.8888% | 6,206 |
| Net interest margin | 3.4564% | 5,410 |
| Noninterest income to average assets | 0.3057% | 5,610 |
| Noninterest expense to average assets | 2.1254% | 6,784 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 1.2594% | 1,267 |
| Return on assets (ROA) | 1.2594% | 1,341 |
| Pretax return on assets | 1.3898% | 1,688 |
| Return on Equity (ROE) | 5.5949% | 3,794 |
| Retained earnings to average equity (ytd only) | 2.7793% | 3,910 |
| Net charge-offs to loans | 0.0270% | 6,539 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | 170.5000% | 149 |
| Efficiency ratio | 60.4638% | 5,977 |
| Assets per employee ($millions) | 6.2375% | 1,065 |
| Cash dividends to net income (ytd only)* | 50.3236% | 2,059 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6057% | 3,548 |
| Loan loss allowance to noncurrent loans | 112.3853% | 2,589 |
| Noncurrent assets plus other real estate owned to assets | 0.4770% | 6,088 |
| Noncurrent loans to loans | 1.4288% | 4,347 |
| Net loans and leases to total assets | 30.0862% | 7,350 |
| Net loans and leases to deposits | 39.2538% | 7,278 |
| Net loans and leases to core deposits | 39.8783% | 7,307 |
| Total domestic deposits to total assets | 76.6453% | 6,541 |
| Equity capital to assets | 22.3928% | 169 |
| Core capital (leverage) ratio | 22.8181% | 154 |
| Tier 1 risk-based capital ratio | 54.9070% | 123 |
| Total risk-based capital ratio | 56.1128% | 121 |
| Memoranda: | ||
| Average total assets | $49,072,400 | 6,574 |
| Average earning assets | $45,568,200 | 6,520 |
| Average equity | $11,045,800 | 4,852 |
| Average total loans | $14,835,600 | 7,173 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3184% | 6,949 |
| Cost of funding earning assets | 0.9248% | 6,289 |
| Net interest margin | 3.3937% | 5,706 |
| Noninterest income to average assets | 0.2783% | 5,879 |
| Noninterest expense to average assets | 2.1364% | 6,764 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.2142% | 1,556 |
| Return on assets (ROA) | 1.2142% | 1,637 |
| Pretax return on assets | 1.3261% | 2,103 |
| Return on Equity (ROE) | 5.3871% | 4,088 |
| Retained earnings to average equity (ytd only) | 3.4865% | 4,001 |
| Net charge-offs to loans | 0.0543% | 5,982 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 80.9975% | 380 |
| Efficiency ratio | 61.7021% | 5,666 |
| Assets per employee ($millions) | 5.9571% | 1,270 |
| Cash dividends to net income (ytd only)* | 35.2811% | 2,296 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5711% | 3,656 |
| Loan loss allowance to noncurrent loans | 108.9686% | 2,573 |
| Noncurrent assets plus other real estate owned to assets | 0.5099% | 6,152 |
| Noncurrent loans to loans | 1.4418% | 4,453 |
| Net loans and leases to total assets | 31.9449% | 7,410 |
| Net loans and leases to deposits | 42.2572% | 7,294 |
| Net loans and leases to core deposits | 42.6610% | 7,359 |
| Total domestic deposits to total assets | 75.5964% | 6,718 |
| Equity capital to assets | 23.4215% | 154 |
| Core capital (leverage) ratio | 23.3250% | 146 |
| Tier 1 risk-based capital ratio | 55.8386% | 127 |
| Total risk-based capital ratio | 57.0569% | 125 |
| Memoranda: | ||
| Average total assets | $48,865,500 | 6,661 |
| Average earning assets | $45,849,000 | 6,596 |
| Average equity | $11,013,750 | 4,918 |
| Average total loans | $14,730,000 | 7,271 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2983% | 7,052 |
| Cost of funding earning assets | 0.9557% | 6,360 |
| Net interest margin | 3.3426% | 5,863 |
| Noninterest income to average assets | 0.2679% | 6,006 |
| Noninterest expense to average assets | 2.1068% | 6,881 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.1935% | 1,574 |
| Return on assets (ROA) | 1.1935% | 1,644 |
| Pretax return on assets | 1.2990% | 2,086 |
| Return on Equity (ROE) | 5.3628% | 4,105 |
| Retained earnings to average equity (ytd only) | 2.4990% | 4,566 |
| Net charge-offs to loans | 0.1105% | 5,060 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 40.0000% | 729 |
| Efficiency ratio | 61.8594% | 5,713 |
| Assets per employee ($millions) | 6.0275% | 1,206 |
| Cash dividends to net income (ytd only)* | 53.4014% | 1,544 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6687% | 3,192 |
| Loan loss allowance to noncurrent loans | 106.1674% | 2,621 |
| Noncurrent assets plus other real estate owned to assets | 0.5122% | 6,179 |
| Noncurrent loans to loans | 1.5718% | 4,351 |
| Net loans and leases to total assets | 29.4504% | 7,549 |
| Net loans and leases to deposits | 38.6485% | 7,477 |
| Net loans and leases to core deposits | 39.3456% | 7,499 |
| Total domestic deposits to total assets | 76.2007% | 6,647 |
| Equity capital to assets | 22.8453% | 172 |
| Core capital (leverage) ratio | 22.7628% | 157 |
| Tier 1 risk-based capital ratio | 56.8016% | 125 |
| Total risk-based capital ratio | 58.0477% | 120 |
| Memoranda: | ||
| Average total assets | $49,268,330 | 6,678 |
| Average earning assets | $46,251,000 | 6,624 |
| Average equity | $10,964,330 | 4,932 |
| Average total loans | $14,484,330 | 7,337 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2426% | 7,217 |
| Cost of funding earning assets | 0.9751% | 6,496 |
| Net interest margin | 3.2675% | 6,075 |
| Noninterest income to average assets | 0.2892% | 5,831 |
| Noninterest expense to average assets | 2.1047% | 6,927 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.1809% | 1,592 |
| Return on assets (ROA) | 1.1809% | 1,673 |
| Pretax return on assets | 1.2532% | 2,199 |
| Return on Equity (ROE) | 5.3755% | 4,169 |
| Retained earnings to average equity (ytd only) | 5.3755% | 2,944 |
| Net charge-offs to loans | -0.0276% | 7,166 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6794% | 5,713 |
| Assets per employee ($millions) | 6.0991% | 1,192 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7084% | 3,034 |
| Loan loss allowance to noncurrent loans | 102.4590% | 2,703 |
| Noncurrent assets plus other real estate owned to assets | 0.5411% | 6,145 |
| Noncurrent loans to loans | 1.6674% | 4,248 |
| Net loans and leases to total assets | 29.4796% | 7,640 |
| Net loans and leases to deposits | 38.5186% | 7,564 |
| Net loans and leases to core deposits | 39.1977% | 7,594 |
| Total domestic deposits to total assets | 76.5335% | 6,654 |
| Equity capital to assets | 22.5750% | 194 |
| Core capital (leverage) ratio | 22.6390% | 172 |
| Tier 1 risk-based capital ratio | 56.3580% | 124 |
| Total risk-based capital ratio | 57.6085% | 121 |
| Memoranda: | ||
| Average total assets | $49,792,500 | 6,738 |
| Average earning assets | $46,764,000 | 6,671 |
| Average equity | $10,938,500 | 4,994 |
| Average total loans | $14,505,500 | 7,428 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6285% | 7,245 |
| Cost of funding earning assets | 1.2877% | 6,349 |
| Net interest margin | 3.3408% | 5,581 |
| Noninterest income to average assets | 0.4119% | 5,110 |
| Noninterest expense to average assets | 2.1207% | 7,141 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 1.2969% | 1,042 |
| Return on assets (ROA) | 1.2969% | 1,089 |
| Pretax return on assets | 1.4335% | 1,352 |
| Return on Equity (ROE) | 5.9337% | 3,240 |
| Retained earnings to average equity (ytd only) | 3.0695% | 3,009 |
| Net charge-offs to loans | 0.4205% | 4,117 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | 10.8154% | 1,645 |
| Efficiency ratio | 59.6672% | 6,535 |
| Assets per employee ($millions) | 6.3490% | 1,049 |
| Cash dividends to net income (ytd only)* | 48.2704% | 2,556 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7319% | 2,782 |
| Loan loss allowance to noncurrent loans | 74.1071% | 3,713 |
| Noncurrent assets plus other real estate owned to assets | 0.7009% | 5,705 |
| Noncurrent loans to loans | 2.3371% | 3,251 |
| Net loans and leases to total assets | 27.8154% | 7,751 |
| Net loans and leases to deposits | 35.7943% | 7,727 |
| Net loans and leases to core deposits | 40.9852% | 7,747 |
| Total domestic deposits to total assets | 77.7091% | 6,296 |
| Equity capital to assets | 21.3853% | 237 |
| Core capital (leverage) ratio | 22.7681% | 196 |
| Tier 1 risk-based capital ratio | 52.2843% | 148 |
| Total risk-based capital ratio | 53.4843% | 145 |
| Memoranda: | ||
| Average total assets | $49,039,600 | 6,748 |
| Average earning assets | $46,127,000 | 6,678 |
| Average equity | $10,718,400 | 5,097 |
| Average total loans | $15,456,800 | 7,426 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7349% | 7,231 |
| Cost of funding earning assets | 1.3753% | 6,315 |
| Net interest margin | 3.3596% | 5,411 |
| Noninterest income to average assets | 0.3868% | 5,421 |
| Noninterest expense to average assets | 2.1398% | 7,116 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.2647% | 1,304 |
| Return on assets (ROA) | 1.2647% | 1,373 |
| Pretax return on assets | 1.4101% | 1,669 |
| Return on Equity (ROE) | 5.7538% | 3,626 |
| Retained earnings to average equity (ytd only) | 3.8442% | 3,143 |
| Net charge-offs to loans | 0.3900% | 3,704 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 11.1743% | 1,879 |
| Efficiency ratio | 60.2782% | 6,373 |
| Assets per employee ($millions) | 5.9483% | 1,248 |
| Cash dividends to net income (ytd only)* | 33.1880% | 2,746 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7883% | 2,314 |
| Loan loss allowance to noncurrent loans | 70.3412% | 3,804 |
| Noncurrent assets plus other real estate owned to assets | 0.8007% | 5,509 |
| Noncurrent loans to loans | 2.5424% | 2,969 |
| Net loans and leases to total assets | 30.9293% | 7,785 |
| Net loans and leases to deposits | 40.5410% | 7,713 |
| Net loans and leases to core deposits | 46.3296% | 7,764 |
| Total domestic deposits to total assets | 76.2913% | 6,532 |
| Equity capital to assets | 22.7798% | 223 |
| Core capital (leverage) ratio | 22.3000% | 227 |
| Tier 1 risk-based capital ratio | 52.8066% | 152 |
| Total risk-based capital ratio | 54.0551% | 153 |
| Memoranda: | ||
| Average total assets | $48,601,500 | 6,820 |
| Average earning assets | $45,758,750 | 6,747 |
| Average equity | $10,682,500 | 5,149 |
| Average total loans | $15,726,750 | 7,483 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7539% | 7,306 |
| Cost of funding earning assets | 1.4197% | 6,416 |
| Net interest margin | 3.3342% | 5,423 |
| Noninterest income to average assets | 0.3678% | 5,570 |
| Noninterest expense to average assets | 2.1291% | 7,215 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.2301% | 1,404 |
| Return on assets (ROA) | 1.2301% | 1,481 |
| Pretax return on assets | 1.3772% | 1,796 |
| Return on Equity (ROE) | 5.6632% | 3,798 |
| Retained earnings to average equity (ytd only) | 2.7846% | 3,776 |
| Net charge-offs to loans | -0.0250% | 7,739 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7226% | 6,443 |
| Assets per employee ($millions) | 6.1271% | 1,137 |
| Cash dividends to net income (ytd only)* | 50.8306% | 2,009 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9607% | 1,652 |
| Loan loss allowance to noncurrent loans | 90.8046% | 3,158 |
| Noncurrent assets plus other real estate owned to assets | 0.7100% | 5,632 |
| Noncurrent loans to loans | 2.1592% | 3,296 |
| Net loans and leases to total assets | 32.2358% | 7,830 |
| Net loans and leases to deposits | 41.7442% | 7,763 |
| Net loans and leases to core deposits | 48.8907% | 7,781 |
| Total domestic deposits to total assets | 77.2222% | 6,275 |
| Equity capital to assets | 21.7720% | 292 |
| Core capital (leverage) ratio | 21.8826% | 281 |
| Tier 1 risk-based capital ratio | 49.9158% | 186 |
| Total risk-based capital ratio | 51.1698% | 184 |
| Memoranda: | ||
| Average total assets | $48,940,000 | 6,873 |
| Average earning assets | $46,067,670 | 6,800 |
| Average equity | $10,630,000 | 5,183 |
| Average total loans | $15,973,670 | 7,535 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7920% | 7,381 |
| Cost of funding earning assets | 1.4785% | 6,472 |
| Net interest margin | 3.3135% | 5,447 |
| Noninterest income to average assets | 0.4008% | 5,206 |
| Noninterest expense to average assets | 2.0449% | 7,239 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.2679% | 1,459 |
| Return on assets (ROA) | 1.2679% | 1,557 |
| Pretax return on assets | 1.4723% | 1,747 |
| Return on Equity (ROE) | 5.8441% | 4,096 |
| Retained earnings to average equity (ytd only) | 5.8441% | 2,691 |
| Net charge-offs to loans | -0.0252% | 7,500 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.1395% | 6,680 |
| Assets per employee ($millions) | 6.1070% | 1,138 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9746% | 1,472 |
| Loan loss allowance to noncurrent loans | 81.8182% | 3,612 |
| Noncurrent assets plus other real estate owned to assets | 0.7880% | 5,205 |
| Noncurrent loans to loans | 2.4133% | 2,730 |
| Net loans and leases to total assets | 32.0084% | 7,866 |
| Net loans and leases to deposits | 41.5164% | 7,794 |
| Net loans and leases to core deposits | 48.4614% | 7,824 |
| Total domestic deposits to total assets | 77.0980% | 6,251 |
| Equity capital to assets | 21.8724% | 309 |
| Core capital (leverage) ratio | 21.7283% | 316 |
| Tier 1 risk-based capital ratio | 50.5062% | 198 |
| Total risk-based capital ratio | 51.7599% | 195 |
| Memoranda: | ||
| Average total assets | $48,901,500 | 6,909 |
| Average earning assets | $45,993,500 | 6,837 |
| Average equity | $10,609,000 | 5,211 |
| Average total loans | $15,902,000 | 7,583 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2840% | 7,618 |
| Cost of funding earning assets | 1.8851% | 6,773 |
| Net interest margin | 3.3989% | 5,671 |
| Noninterest income to average assets | 0.4900% | 4,688 |
| Noninterest expense to average assets | 2.0098% | 7,420 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.3957% | 1,241 |
| Return on assets (ROA) | 1.3957% | 1,191 |
| Pretax return on assets | 1.6790% | 1,192 |
| Return on Equity (ROE) | 6.5129% | 3,745 |
| Retained earnings to average equity (ytd only) | 3.5508% | 2,935 |
| Net charge-offs to loans | 0.0126% | 6,742 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 406.0000% | 125 |
| Efficiency ratio | 54.4843% | 7,217 |
| Assets per employee ($millions) | 6.1184% | 1,071 |
| Cash dividends to net income (ytd only)* | 45.4815% | 3,371 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9809% | 1,262 |
| Loan loss allowance to noncurrent loans | 97.8193% | 3,522 |
| Noncurrent assets plus other real estate owned to assets | 0.6558% | 5,251 |
| Noncurrent loans to loans | 2.0251% | 2,734 |
| Net loans and leases to total assets | 31.7425% | 7,955 |
| Net loans and leases to deposits | 40.9569% | 7,925 |
| Net loans and leases to core deposits | 47.4876% | 7,936 |
| Total domestic deposits to total assets | 77.5022% | 5,874 |
| Equity capital to assets | 21.5172% | 377 |
| Core capital (leverage) ratio | 21.7391% | 346 |
| Tier 1 risk-based capital ratio | 50.0690% | 219 |
| Total risk-based capital ratio | 51.3207% | 217 |
| Memoranda: | ||
| Average total assets | $48,362,600 | 6,844 |
| Average earning assets | $45,514,600 | 6,790 |
| Average equity | $10,364,000 | 5,302 |
| Average total loans | $15,896,400 | 7,598 |