Home > Colfax Banking Company > Performance and Condition Ratios
Colfax Banking Company, Performance and Condition Ratios
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7731% | 3,467 |
| Cost of funding earning assets | 1.0414% | 3,996 |
| Net interest margin | 3.7317% | 1,621 |
| Noninterest income to average assets | 0.4200% | 2,351 |
| Noninterest expense to average assets | 2.9087% | 1,301 |
| Loan and lease loss provision to assets | 0.0000% | 3,171 |
| Net operating income to assets | 1.0179% | 1,991 |
| Return on assets (ROA) | 1.0179% | 1,992 |
| Pretax return on assets | 1.0179% | 2,486 |
| Return on Equity (ROE) | 13.5100% | 1,244 |
| Retained earnings to average equity (ytd only) | 6.5107% | 1,613 |
| Net charge-offs to loans | 0.0031% | 2,874 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 751.0000% | 180 |
| Efficiency ratio | 74.0766% | 1,551 |
| Assets per employee ($millions) | 4.1758% | 4,036 |
| Cash dividends to net income (ytd only)* | 51.7976% | 1,542 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5397% | 4,245 |
| Loan loss allowance to noncurrent loans | 252.1127% | 1,905 |
| Noncurrent assets plus other real estate owned to assets | 0.0945% | 3,027 |
| Noncurrent loans to loans | 0.2141% | 2,657 |
| Net loans and leases to total assets | 43.8900% | 3,895 |
| Net loans and leases to deposits | 47.7683% | 3,980 |
| Net loans and leases to core deposits | 58.1076% | 3,813 |
| Total domestic deposits to total assets | 91.8800% | 326 |
| Equity capital to assets | 7.8588% | 3,593 |
| Core capital (leverage) ratio | 11.1724% | 1,868 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $147,556,000 | 3,378 |
| Average earning assets | $138,463,800 | 3,357 |
| Average equity | $11,120,200 | 3,675 |
| Average total loans | $64,519,000 | 3,639 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8084% | 3,370 |
| Cost of funding earning assets | 1.0350% | 4,010 |
| Net interest margin | 3.7734% | 1,497 |
| Noninterest income to average assets | 0.4100% | 2,365 |
| Noninterest expense to average assets | 2.8734% | 1,312 |
| Loan and lease loss provision to assets | 0.0000% | 3,009 |
| Net operating income to assets | 1.0758% | 1,833 |
| Return on assets (ROA) | 1.0758% | 1,836 |
| Pretax return on assets | 1.0758% | 2,320 |
| Return on Equity (ROE) | 14.4300% | 1,064 |
| Retained earnings to average equity (ytd only) | 5.9438% | 2,107 |
| Net charge-offs to loans | 0.0021% | 2,700 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 1,186.0000% | 96 |
| Efficiency ratio | 72.7419% | 1,719 |
| Assets per employee ($millions) | 3.9919% | 4,123 |
| Cash dividends to net income (ytd only)* | 58.8186% | 1,036 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5410% | 4,284 |
| Loan loss allowance to noncurrent loans | 875.6098% | 808 |
| Noncurrent assets plus other real estate owned to assets | 0.0285% | 3,557 |
| Noncurrent loans to loans | 0.0618% | 3,393 |
| Net loans and leases to total assets | 45.9300% | 3,827 |
| Net loans and leases to deposits | 50.2577% | 3,945 |
| Net loans and leases to core deposits | 61.5919% | 3,734 |
| Total domestic deposits to total assets | 91.3900% | 281 |
| Equity capital to assets | 8.1769% | 3,604 |
| Core capital (leverage) ratio | 11.1033% | 1,982 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $146,863,000 | 3,388 |
| Average earning assets | $137,838,250 | 3,364 |
| Average equity | $10,946,750 | 3,695 |
| Average total loans | $64,064,250 | 3,659 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8247% | 3,238 |
| Cost of funding earning assets | 1.0317% | 3,980 |
| Net interest margin | 3.7930% | 1,434 |
| Noninterest income to average assets | 0.3800% | 2,498 |
| Noninterest expense to average assets | 2.8287% | 1,397 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 1.1047% | 1,711 |
| Return on assets (ROA) | 1.1047% | 1,710 |
| Pretax return on assets | 1.1047% | 2,198 |
| Return on Equity (ROE) | 15.3000% | 942 |
| Retained earnings to average equity (ytd only) | 3.7832% | 2,796 |
| Net charge-offs to loans | 0.0032% | 2,383 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 817.0000% | 134 |
| Efficiency ratio | 71.9147% | 1,871 |
| Assets per employee ($millions) | 4.0917% | 4,093 |
| Cash dividends to net income (ytd only)* | 75.2754% | 732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5455% | 4,294 |
| Loan loss allowance to noncurrent loans | 795.5556% | 912 |
| Noncurrent assets plus other real estate owned to assets | 0.0305% | 3,502 |
| Noncurrent loans to loans | 0.0686% | 3,323 |
| Net loans and leases to total assets | 44.3100% | 3,893 |
| Net loans and leases to deposits | 48.0382% | 4,015 |
| Net loans and leases to core deposits | 58.1456% | 3,827 |
| Total domestic deposits to total assets | 92.2400% | 233 |
| Equity capital to assets | 7.4385% | 3,762 |
| Core capital (leverage) ratio | 10.5356% | 2,351 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $147,914,000 | 3,389 |
| Average earning assets | $138,414,000 | 3,370 |
| Average equity | $10,678,667 | 3,706 |
| Average total loans | $63,297,667 | 3,676 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8637% | 3,046 |
| Cost of funding earning assets | 1.0763% | 3,906 |
| Net interest margin | 3.7874% | 1,391 |
| Noninterest income to average assets | 0.3800% | 2,422 |
| Noninterest expense to average assets | 2.8984% | 1,232 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 1.0147% | 1,892 |
| Return on assets (ROA) | 1.0147% | 1,897 |
| Pretax return on assets | 1.0147% | 2,347 |
| Return on Equity (ROE) | 14.2700% | 1,097 |
| Retained earnings to average equity (ytd only) | -5.8826% | 4,171 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 74.0690% | 1,735 |
| Assets per employee ($millions) | 4.2668% | 4,063 |
| Cash dividends to net income (ytd only)* | 141.2234% | 317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5746% | 4,263 |
| Loan loss allowance to noncurrent loans | 412.6437% | 1,543 |
| Noncurrent assets plus other real estate owned to assets | 0.0566% | 3,286 |
| Noncurrent loans to loans | 0.1393% | 2,911 |
| Net loans and leases to total assets | 40.4400% | 4,012 |
| Net loans and leases to deposits | 43.5355% | 4,101 |
| Net loans and leases to core deposits | 50.8456% | 4,059 |
| Total domestic deposits to total assets | 92.8900% | 200 |
| Equity capital to assets | 6.8233% | 3,971 |
| Core capital (leverage) ratio | 9.9145% | 2,834 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $148,220,000 | 3,395 |
| Average earning assets | $138,248,500 | 3,384 |
| Average equity | $10,539,500 | 3,732 |
| Average total loans | $62,133,000 | 3,694 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1453% | 3,728 |
| Cost of funding earning assets | 0.6188% | 4,041 |
| Net interest margin | 3.5265% | 2,130 |
| Noninterest income to average assets | 1.1500% | 518 |
| Noninterest expense to average assets | 2.8725% | 1,326 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.5719% | 905 |
| Return on assets (ROA) | 0.9448% | 2,377 |
| Pretax return on assets | 0.9448% | 2,829 |
| Return on Equity (ROE) | 14.8900% | 1,307 |
| Retained earnings to average equity (ytd only) | 12.1773% | 618 |
| Net charge-offs to loans | 0.0280% | 1,749 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 133.1176% | 769 |
| Efficiency ratio | 64.6627% | 2,527 |
| Assets per employee ($millions) | 3.8604% | 4,208 |
| Cash dividends to net income (ytd only)* | 18.2085% | 2,997 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5810% | 4,268 |
| Loan loss allowance to noncurrent loans | 150.8403% | 2,849 |
| Noncurrent assets plus other real estate owned to assets | 0.1666% | 2,429 |
| Noncurrent loans to loans | 0.3852% | 1,832 |
| Net loans and leases to total assets | 43.0100% | 3,936 |
| Net loans and leases to deposits | 46.5860% | 4,029 |
| Net loans and leases to core deposits | 55.9296% | 3,913 |
| Total domestic deposits to total assets | 92.3200% | 262 |
| Equity capital to assets | 7.4198% | 3,757 |
| Core capital (leverage) ratio | 11.2158% | 1,811 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $144,161,000 | 3,423 |
| Average earning assets | $134,609,600 | 3,394 |
| Average equity | $9,148,200 | 3,809 |
| Average total loans | $60,749,200 | 3,697 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0520% | 3,753 |
| Cost of funding earning assets | 0.5724% | 4,022 |
| Net interest margin | 3.4796% | 2,253 |
| Noninterest income to average assets | 1.3900% | 428 |
| Noninterest expense to average assets | 2.8541% | 1,311 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.8077% | 662 |
| Return on assets (ROA) | 0.9735% | 2,432 |
| Pretax return on assets | 0.9735% | 2,922 |
| Return on Equity (ROE) | 16.0100% | 1,256 |
| Retained earnings to average equity (ytd only) | 12.2468% | 931 |
| Net charge-offs to loans | 0.0154% | 1,842 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 279.4286% | 476 |
| Efficiency ratio | 61.2597% | 2,810 |
| Assets per employee ($millions) | 3.7636% | 4,253 |
| Cash dividends to net income (ytd only)* | 23.5071% | 2,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5921% | 4,278 |
| Loan loss allowance to noncurrent loans | 414.6067% | 1,640 |
| Noncurrent assets plus other real estate owned to assets | 0.0639% | 3,189 |
| Noncurrent loans to loans | 0.1428% | 2,837 |
| Net loans and leases to total assets | 44.4900% | 3,896 |
| Net loans and leases to deposits | 47.9556% | 4,008 |
| Net loans and leases to core deposits | 58.6193% | 3,760 |
| Total domestic deposits to total assets | 92.7700% | 336 |
| Equity capital to assets | 6.8099% | 3,705 |
| Core capital (leverage) ratio | 10.9706% | 2,017 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $144,492,500 | 3,421 |
| Average earning assets | $135,568,750 | 3,396 |
| Average equity | $8,785,750 | 3,849 |
| Average total loans | $60,488,750 | 3,707 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9951% | 3,699 |
| Cost of funding earning assets | 0.4928% | 3,994 |
| Net interest margin | 3.5023% | 2,261 |
| Noninterest income to average assets | 0.4100% | 2,372 |
| Noninterest expense to average assets | 2.7913% | 1,432 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.9218% | 2,683 |
| Return on assets (ROA) | 0.9054% | 2,720 |
| Pretax return on assets | 0.9054% | 3,151 |
| Return on Equity (ROE) | 15.4800% | 1,372 |
| Retained earnings to average equity (ytd only) | 11.5978% | 1,061 |
| Net charge-offs to loans | -0.0067% | 3,788 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 75.2581% | 1,235 |
| Assets per employee ($millions) | 3.7621% | 4,268 |
| Cash dividends to net income (ytd only)* | 25.0755% | 2,253 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6234% | 4,270 |
| Loan loss allowance to noncurrent loans | 328.6957% | 2,038 |
| Noncurrent assets plus other real estate owned to assets | 0.0826% | 2,959 |
| Noncurrent loans to loans | 0.1897% | 2,519 |
| Net loans and leases to total assets | 43.2900% | 3,911 |
| Net loans and leases to deposits | 46.3917% | 4,031 |
| Net loans and leases to core deposits | 56.7973% | 3,784 |
| Total domestic deposits to total assets | 93.3100% | 207 |
| Equity capital to assets | 6.3815% | 4,044 |
| Core capital (leverage) ratio | 10.3768% | 2,415 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $146,238,667 | 3,415 |
| Average earning assets | $137,567,667 | 3,390 |
| Average equity | $8,553,333 | 3,894 |
| Average total loans | $59,878,667 | 3,724 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8670% | 3,744 |
| Cost of funding earning assets | 0.3887% | 3,995 |
| Net interest margin | 3.4783% | 2,424 |
| Noninterest income to average assets | 0.4200% | 2,267 |
| Noninterest expense to average assets | 2.7805% | 1,480 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.9161% | 2,801 |
| Return on assets (ROA) | 0.9161% | 2,756 |
| Pretax return on assets | 0.9161% | 3,192 |
| Return on Equity (ROE) | 16.3600% | 1,285 |
| Retained earnings to average equity (ytd only) | 12.4456% | 1,186 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 75.2168% | 1,232 |
| Assets per employee ($millions) | 4.1127% | 4,206 |
| Cash dividends to net income (ytd only)* | 23.9067% | 1,881 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6392% | 4,316 |
| Loan loss allowance to noncurrent loans | 351.4019% | 2,027 |
| Noncurrent assets plus other real estate owned to assets | 0.0723% | 3,069 |
| Noncurrent loans to loans | 0.1819% | 2,572 |
| Net loans and leases to total assets | 39.4800% | 4,061 |
| Net loans and leases to deposits | 42.0402% | 4,162 |
| Net loans and leases to core deposits | 50.9041% | 3,963 |
| Total domestic deposits to total assets | 93.9000% | 181 |
| Equity capital to assets | 5.8903% | 4,242 |
| Core capital (leverage) ratio | 9.7659% | 2,926 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $149,758,500 | 3,429 |
| Average earning assets | $140,987,500 | 3,399 |
| Average equity | $8,388,500 | 3,969 |
| Average total loans | $59,502,000 | 3,765 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3793% | 3,401 |
| Cost of funding earning assets | 0.2579% | 3,263 |
| Net interest margin | 3.1214% | 3,109 |
| Noninterest income to average assets | 0.6300% | 1,531 |
| Noninterest expense to average assets | 2.7272% | 1,497 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.8453% | 3,174 |
| Return on assets (ROA) | 0.9054% | 2,876 |
| Pretax return on assets | 0.9054% | 3,341 |
| Return on Equity (ROE) | 15.2800% | 1,186 |
| Retained earnings to average equity (ytd only) | 7.1256% | 2,187 |
| Net charge-offs to loans | 0.0301% | 1,469 |
| Credit loss provision to net charge-offs | 16.6667% | 1,942 |
| Earnings coverage of net charge-offs (x) | 72.1111% | 1,142 |
| Efficiency ratio | 76.2966% | 980 |
| Assets per employee ($millions) | 4.2072% | 4,198 |
| Cash dividends to net income (ytd only)* | 53.3526% | 1,247 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6364% | 4,299 |
| Loan loss allowance to noncurrent loans | 175.6881% | 2,813 |
| Noncurrent assets plus other real estate owned to assets | 0.1439% | 2,527 |
| Noncurrent loans to loans | 0.3622% | 1,837 |
| Net loans and leases to total assets | 39.4800% | 4,081 |
| Net loans and leases to deposits | 41.7620% | 4,188 |
| Net loans and leases to core deposits | 52.6400% | 3,883 |
| Total domestic deposits to total assets | 94.5400% | 190 |
| Equity capital to assets | 5.3189% | 4,286 |
| Core capital (leverage) ratio | 9.8565% | 2,783 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $153,200,200 | 3,413 |
| Average earning assets | $144,613,800 | 3,382 |
| Average equity | $9,080,000 | 3,986 |
| Average total loans | $59,820,000 | 3,731 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2969% | 3,181 |
| Cost of funding earning assets | 0.2463% | 2,743 |
| Net interest margin | 3.0506% | 3,072 |
| Noninterest income to average assets | 0.6800% | 1,395 |
| Noninterest expense to average assets | 2.6460% | 1,608 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.9104% | 2,829 |
| Return on assets (ROA) | 0.9902% | 2,478 |
| Pretax return on assets | 0.9902% | 3,048 |
| Return on Equity (ROE) | 16.2900% | 924 |
| Retained earnings to average equity (ytd only) | 12.7103% | 662 |
| Net charge-offs to loans | 0.0313% | 1,214 |
| Credit loss provision to net charge-offs | 21.4286% | 1,624 |
| Earnings coverage of net charge-offs (x) | 75.1429% | 1,076 |
| Efficiency ratio | 74.3477% | 1,240 |
| Assets per employee ($millions) | 4.0461% | 4,299 |
| Cash dividends to net income (ytd only)* | 21.9982% | 2,396 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6467% | 4,336 |
| Loan loss allowance to noncurrent loans | 319.8347% | 2,103 |
| Noncurrent assets plus other real estate owned to assets | 0.0831% | 3,086 |
| Noncurrent loans to loans | 0.2022% | 2,592 |
| Net loans and leases to total assets | 40.8200% | 4,041 |
| Net loans and leases to deposits | 43.1917% | 4,141 |
| Net loans and leases to core deposits | 56.6043% | 3,591 |
| Total domestic deposits to total assets | 94.5000% | 292 |
| Equity capital to assets | 5.1695% | 4,248 |
| Core capital (leverage) ratio | 10.0586% | 2,493 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $153,635,500 | 3,432 |
| Average earning assets | $145,062,000 | 3,402 |
| Average equity | $9,336,000 | 4,000 |
| Average total loans | $59,729,500 | 3,750 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2091% | 3,011 |
| Cost of funding earning assets | 0.2384% | 2,413 |
| Net interest margin | 2.9707% | 2,971 |
| Noninterest income to average assets | 0.7486% | 1,176 |
| Noninterest expense to average assets | 2.6156% | 1,592 |
| Loan and lease loss provision to assets | 0.0038% | 2,537 |
| Net operating income to assets | 0.9354% | 2,421 |
| Return on assets (ROA) | 1.0506% | 1,943 |
| Pretax return on assets | 1.0506% | 2,567 |
| Return on Equity (ROE) | 16.5224% | 634 |
| Retained earnings to average equity (ytd only) | 13.1415% | 449 |
| Net charge-offs to loans | 0.0503% | 889 |
| Credit loss provision to net charge-offs | 20.0000% | 1,604 |
| Earnings coverage of net charge-offs (x) | 48.9333% | 1,168 |
| Efficiency ratio | 73.5781% | 1,562 |
| Assets per employee ($millions) | 4.1381% | 4,294 |
| Cash dividends to net income (ytd only)* | 20.4629% | 2,446 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6735% | 4,380 |
| Loan loss allowance to noncurrent loans | 285.9259% | 2,215 |
| Noncurrent assets plus other real estate owned to assets | 0.0882% | 3,102 |
| Noncurrent loans to loans | 0.2355% | 2,538 |
| Net loans and leases to total assets | 37.1824% | 4,201 |
| Net loans and leases to deposits | 39.2629% | 4,295 |
| Net loans and leases to core deposits | 50.4949% | 3,910 |
| Total domestic deposits to total assets | 94.7012% | 177 |
| Equity capital to assets | 5.0193% | 4,471 |
| Core capital (leverage) ratio | 9.7191% | 2,698 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $156,293,667 | 3,450 |
| Average earning assets | $147,644,000 | 3,420 |
| Average equity | $9,938,000 | 4,000 |
| Average total loans | $59,691,667 | 3,786 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2210% | 2,624 |
| Cost of funding earning assets | 0.2393% | 2,275 |
| Net interest margin | 2.9817% | 2,563 |
| Noninterest income to average assets | 0.5675% | 1,831 |
| Noninterest expense to average assets | 2.5461% | 1,767 |
| Loan and lease loss provision to assets | 0.0076% | 2,176 |
| Net operating income to assets | 0.8234% | 2,579 |
| Return on assets (ROA) | 1.0514% | 1,679 |
| Pretax return on assets | 1.0514% | 2,292 |
| Return on Equity (ROE) | 15.0029% | 652 |
| Retained earnings to average equity (ytd only) | 12.0385% | 599 |
| Net charge-offs to loans | 0.0197% | 1,139 |
| Credit loss provision to net charge-offs | 100.0000% | 1,010 |
| Earnings coverage of net charge-offs (x) | 109.3333% | 647 |
| Efficiency ratio | 75.3938% | 1,592 |
| Assets per employee ($millions) | 4.0947% | 4,364 |
| Cash dividends to net income (ytd only)* | 19.7590% | 1,984 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6662% | 4,438 |
| Loan loss allowance to noncurrent loans | 1,530.7692% | 656 |
| Noncurrent assets plus other real estate owned to assets | 0.0172% | 3,886 |
| Noncurrent loans to loans | 0.0435% | 3,669 |
| Net loans and leases to total assets | 39.1723% | 4,064 |
| Net loans and leases to deposits | 41.4297% | 4,181 |
| Net loans and leases to core deposits | 53.5009% | 3,631 |
| Total domestic deposits to total assets | 94.5513% | 73 |
| Equity capital to assets | 5.2639% | 4,693 |
| Core capital (leverage) ratio | 8.9844% | 3,381 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $157,885,500 | 3,439 |
| Average earning assets | $148,775,500 | 3,418 |
| Average equity | $11,064,500 | 3,949 |
| Average total loans | $60,879,500 | 3,781 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2686% | 3,301 |
| Cost of funding earning assets | 0.2575% | 2,838 |
| Net interest margin | 3.0111% | 3,169 |
| Noninterest income to average assets | 1.7116% | 393 |
| Noninterest expense to average assets | 2.5600% | 1,992 |
| Loan and lease loss provision to assets | 0.1065% | 1,189 |
| Net operating income to assets | 1.8935% | 416 |
| Return on assets (ROA) | 1.9780% | 377 |
| Pretax return on assets | 1.9780% | 631 |
| Return on Equity (ROE) | 21.9919% | 220 |
| Retained earnings to average equity (ytd only) | 13.3974% | 358 |
| Net charge-offs to loans | 0.0195% | 1,886 |
| Credit loss provision to net charge-offs | 1,366.6667% | 416 |
| Earnings coverage of net charge-offs (x) | 256.5833% | 455 |
| Efficiency ratio | 56.1396% | 3,692 |
| Assets per employee ($millions) | 4.4396% | 4,159 |
| Cash dividends to net income (ytd only)* | 39.0805% | 2,077 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6418% | 4,506 |
| Loan loss allowance to noncurrent loans | 612.3077% | 1,226 |
| Noncurrent assets plus other real estate owned to assets | 0.1735% | 2,722 |
| Noncurrent loans to loans | 0.1048% | 3,403 |
| Net loans and leases to total assets | 37.5093% | 4,222 |
| Net loans and leases to deposits | 44.0437% | 4,179 |
| Net loans and leases to core deposits | 56.2196% | 3,600 |
| Total domestic deposits to total assets | 85.1637% | 3,217 |
| Equity capital to assets | 8.6165% | 3,971 |
| Core capital (leverage) ratio | 8.4327% | 3,991 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $153,946,800 | 3,452 |
| Average earning assets | $145,626,200 | 3,417 |
| Average equity | $13,846,000 | 3,756 |
| Average total loans | $61,545,800 | 3,789 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2944% | 3,404 |
| Cost of funding earning assets | 0.2628% | 2,986 |
| Net interest margin | 3.0316% | 3,225 |
| Noninterest income to average assets | 2.1193% | 319 |
| Noninterest expense to average assets | 2.4981% | 2,126 |
| Loan and lease loss provision to assets | 0.1447% | 781 |
| Net operating income to assets | 2.3422% | 262 |
| Return on assets (ROA) | 2.4567% | 231 |
| Pretax return on assets | 2.4567% | 363 |
| Return on Equity (ROE) | 27.0069% | 126 |
| Retained earnings to average equity (ytd only) | 24.5957% | 56 |
| Net charge-offs to loans | 0.0260% | 1,518 |
| Credit loss provision to net charge-offs | 1,366.6667% | 428 |
| Earnings coverage of net charge-offs (x) | 235.2500% | 507 |
| Efficiency ratio | 50.1149% | 4,211 |
| Assets per employee ($millions) | 4.5383% | 4,100 |
| Cash dividends to net income (ytd only)* | 8.9279% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6265% | 4,603 |
| Loan loss allowance to noncurrent loans | 663.3333% | 1,087 |
| Noncurrent assets plus other real estate owned to assets | 0.1493% | 3,116 |
| Noncurrent loans to loans | 0.0944% | 3,605 |
| Net loans and leases to total assets | 38.6395% | 4,273 |
| Net loans and leases to deposits | 45.8779% | 4,233 |
| Net loans and leases to core deposits | 58.7019% | 3,572 |
| Total domestic deposits to total assets | 84.2224% | 3,396 |
| Equity capital to assets | 9.3563% | 3,505 |
| Core capital (leverage) ratio | 8.9340% | 3,630 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $151,367,000 | 3,507 |
| Average earning assets | $143,066,500 | 3,478 |
| Average equity | $13,769,000 | 3,807 |
| Average total loans | $61,429,000 | 3,845 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3245% | 3,366 |
| Cost of funding earning assets | 0.2719% | 3,071 |
| Net interest margin | 3.0526% | 3,173 |
| Noninterest income to average assets | 0.4859% | 2,689 |
| Noninterest expense to average assets | 2.5203% | 2,080 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.8455% | 3,381 |
| Return on assets (ROA) | 0.9717% | 3,077 |
| Pretax return on assets | 0.9717% | 3,496 |
| Return on Equity (ROE) | 10.7967% | 2,501 |
| Retained earnings to average equity (ytd only) | 8.3086% | 1,972 |
| Net charge-offs to loans | -0.0033% | 3,313 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8790% | 1,170 |
| Assets per employee ($millions) | 4.2682% | 4,279 |
| Cash dividends to net income (ytd only)* | 23.0447% | 2,379 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4048% | 4,792 |
| Loan loss allowance to noncurrent loans | 449.0909% | 1,382 |
| Noncurrent assets plus other real estate owned to assets | 0.1589% | 3,196 |
| Noncurrent loans to loans | 0.0901% | 3,725 |
| Net loans and leases to total assets | 38.4833% | 4,365 |
| Net loans and leases to deposits | 45.3419% | 4,335 |
| Net loans and leases to core deposits | 56.6842% | 3,846 |
| Total domestic deposits to total assets | 84.8736% | 3,151 |
| Equity capital to assets | 8.5364% | 4,174 |
| Core capital (leverage) ratio | 8.0720% | 4,366 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $147,363,667 | 3,547 |
| Average earning assets | $139,027,667 | 3,523 |
| Average equity | $13,263,333 | 3,868 |
| Average total loans | $60,730,000 | 3,883 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3069% | 3,432 |
| Cost of funding earning assets | 0.2930% | 3,071 |
| Net interest margin | 3.0139% | 3,223 |
| Noninterest income to average assets | 0.5771% | 2,301 |
| Noninterest expense to average assets | 2.5788% | 1,938 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.8361% | 3,309 |
| Return on assets (ROA) | 1.0979% | 2,558 |
| Pretax return on assets | 1.0979% | 3,117 |
| Return on Equity (ROE) | 11.8591% | 2,066 |
| Retained earnings to average equity (ytd only) | 9.3352% | 1,849 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5153% | 1,180 |
| Assets per employee ($millions) | 4.0396% | 4,452 |
| Cash dividends to net income (ytd only)* | 21.2821% | 1,970 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4000% | 4,826 |
| Loan loss allowance to noncurrent loans | 92.8302% | 3,431 |
| Noncurrent assets plus other real estate owned to assets | 0.1822% | 3,261 |
| Noncurrent loans to loans | 0.4309% | 2,567 |
| Net loans and leases to total assets | 42.1200% | 4,228 |
| Net loans and leases to deposits | 46.2940% | 4,335 |
| Net loans and leases to core deposits | 55.6851% | 3,993 |
| Total domestic deposits to total assets | 90.9837% | 399 |
| Equity capital to assets | 8.8039% | 3,873 |
| Core capital (leverage) ratio | 8.6400% | 3,975 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $142,084,000 | 3,614 |
| Average earning assets | $133,782,000 | 3,586 |
| Average equity | $13,154,500 | 3,887 |
| Average total loans | $60,584,500 | 3,908 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7942% | 3,321 |
| Cost of funding earning assets | 0.3905% | 3,645 |
| Net interest margin | 3.4037% | 2,768 |
| Noninterest income to average assets | 0.7984% | 1,539 |
| Noninterest expense to average assets | 2.8985% | 1,689 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 1.0743% | 2,007 |
| Return on assets (ROA) | 1.1324% | 1,915 |
| Pretax return on assets | 1.1324% | 2,575 |
| Return on Equity (ROE) | 11.1709% | 1,569 |
| Retained earnings to average equity (ytd only) | 5.3736% | 2,107 |
| Net charge-offs to loans | -0.0033% | 4,051 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9584% | 1,576 |
| Assets per employee ($millions) | 3.8540% | 4,471 |
| Cash dividends to net income (ytd only)* | 51.8961% | 1,740 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4123% | 4,851 |
| Loan loss allowance to noncurrent loans | 89.4545% | 3,471 |
| Noncurrent assets plus other real estate owned to assets | 0.1982% | 3,292 |
| Noncurrent loans to loans | 0.4609% | 2,585 |
| Net loans and leases to total assets | 42.8303% | 4,310 |
| Net loans and leases to deposits | 47.5320% | 4,409 |
| Net loans and leases to core deposits | 57.8657% | 4,057 |
| Total domestic deposits to total assets | 90.1083% | 525 |
| Equity capital to assets | 9.7345% | 3,379 |
| Core capital (leverage) ratio | 8.7493% | 3,951 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $125,755,200 | 3,676 |
| Average earning assets | $117,285,800 | 3,660 |
| Average equity | $12,747,400 | 3,889 |
| Average total loans | $60,211,800 | 3,912 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9033% | 3,242 |
| Cost of funding earning assets | 0.4054% | 3,780 |
| Net interest margin | 3.4979% | 2,594 |
| Noninterest income to average assets | 0.6236% | 2,088 |
| Noninterest expense to average assets | 2.8264% | 1,896 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 1.0557% | 2,120 |
| Return on assets (ROA) | 1.0894% | 2,147 |
| Pretax return on assets | 1.0894% | 2,785 |
| Return on Equity (ROE) | 10.6280% | 1,809 |
| Retained earnings to average equity (ytd only) | 7.9736% | 1,311 |
| Net charge-offs to loans | -0.0044% | 4,029 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8063% | 1,546 |
| Assets per employee ($millions) | 3.7693% | 4,500 |
| Cash dividends to net income (ytd only)* | 24.9750% | 2,583 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4074% | 4,878 |
| Loan loss allowance to noncurrent loans | 147.3054% | 2,736 |
| Noncurrent assets plus other real estate owned to assets | 0.1266% | 3,792 |
| Noncurrent loans to loans | 0.2766% | 3,302 |
| Net loans and leases to total assets | 45.5820% | 4,337 |
| Net loans and leases to deposits | 50.9813% | 4,453 |
| Net loans and leases to core deposits | 63.4405% | 4,033 |
| Total domestic deposits to total assets | 89.4091% | 612 |
| Equity capital to assets | 10.2323% | 3,029 |
| Core capital (leverage) ratio | 8.8434% | 3,915 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $122,508,250 | 3,706 |
| Average earning assets | $114,123,750 | 3,697 |
| Average equity | $12,557,750 | 3,914 |
| Average total loans | $60,347,250 | 3,932 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9628% | 3,423 |
| Cost of funding earning assets | 0.4170% | 3,962 |
| Net interest margin | 3.5457% | 2,650 |
| Noninterest income to average assets | 0.5914% | 2,157 |
| Noninterest expense to average assets | 2.8801% | 1,878 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.0019% | 2,323 |
| Return on assets (ROA) | 1.0539% | 2,264 |
| Pretax return on assets | 1.0539% | 2,859 |
| Return on Equity (ROE) | 10.2744% | 1,898 |
| Retained earnings to average equity (ytd only) | 7.5629% | 1,440 |
| Net charge-offs to loans | -0.0066% | 4,090 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1908% | 1,443 |
| Assets per employee ($millions) | 3.6795% | 4,566 |
| Cash dividends to net income (ytd only)* | 26.3911% | 2,504 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4083% | 4,903 |
| Loan loss allowance to noncurrent loans | 145.5621% | 2,646 |
| Noncurrent assets plus other real estate owned to assets | 0.1312% | 3,870 |
| Noncurrent loans to loans | 0.2805% | 3,373 |
| Net loans and leases to total assets | 46.5923% | 4,333 |
| Net loans and leases to deposits | 52.0408% | 4,449 |
| Net loans and leases to core deposits | 66.0931% | 3,966 |
| Total domestic deposits to total assets | 89.5303% | 559 |
| Equity capital to assets | 10.1094% | 3,104 |
| Core capital (leverage) ratio | 9.5777% | 3,263 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $119,369,333 | 3,728 |
| Average earning assets | $110,781,333 | 3,727 |
| Average equity | $12,244,000 | 3,959 |
| Average total loans | $60,336,333 | 3,941 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2055% | 3,193 |
| Cost of funding earning assets | 0.4281% | 4,242 |
| Net interest margin | 3.7774% | 2,061 |
| Noninterest income to average assets | 0.5651% | 2,208 |
| Noninterest expense to average assets | 2.9931% | 1,901 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.0500% | 2,005 |
| Return on assets (ROA) | 1.1582% | 1,771 |
| Pretax return on assets | 1.1582% | 2,340 |
| Return on Equity (ROE) | 11.2006% | 1,355 |
| Retained earnings to average equity (ytd only) | 8.4342% | 1,115 |
| Net charge-offs to loans | 0.0066% | 2,339 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 301.0000% | 237 |
| Efficiency ratio | 74.0293% | 1,814 |
| Assets per employee ($millions) | 3.2256% | 4,678 |
| Cash dividends to net income (ytd only)* | 24.6988% | 2,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4090% | 4,942 |
| Loan loss allowance to noncurrent loans | 143.7870% | 2,625 |
| Noncurrent assets plus other real estate owned to assets | 0.1455% | 3,915 |
| Noncurrent loans to loans | 0.2844% | 3,474 |
| Net loans and leases to total assets | 50.9615% | 4,183 |
| Net loans and leases to deposits | 57.0403% | 4,320 |
| Net loans and leases to core deposits | 71.5441% | 3,781 |
| Total domestic deposits to total assets | 89.3430% | 532 |
| Equity capital to assets | 10.4141% | 3,395 |
| Core capital (leverage) ratio | 10.0118% | 3,448 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $114,663,500 | 3,782 |
| Average earning assets | $105,576,000 | 3,789 |
| Average equity | $11,856,500 | 4,016 |
| Average total loans | $60,380,500 | 3,947 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3363% | 3,437 |
| Cost of funding earning assets | 0.4243% | 4,363 |
| Net interest margin | 3.9120% | 2,131 |
| Noninterest income to average assets | 0.4885% | 2,810 |
| Noninterest expense to average assets | 3.0460% | 1,895 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.0814% | 2,517 |
| Return on assets (ROA) | 1.1518% | 2,347 |
| Pretax return on assets | 1.1518% | 3,006 |
| Return on Equity (ROE) | 11.9775% | 1,523 |
| Retained earnings to average equity (ytd only) | 5.2972% | 2,273 |
| Net charge-offs to loans | -0.0033% | 4,277 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7995% | 1,630 |
| Assets per employee ($millions) | 3.1446% | 4,738 |
| Cash dividends to net income (ytd only)* | 55.7736% | 1,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3978% | 4,991 |
| Loan loss allowance to noncurrent loans | 144.3787% | 2,654 |
| Noncurrent assets plus other real estate owned to assets | 0.1493% | 3,886 |
| Noncurrent loans to loans | 0.2755% | 3,458 |
| Net loans and leases to total assets | 53.9698% | 4,076 |
| Net loans and leases to deposits | 60.2998% | 4,273 |
| Net loans and leases to core deposits | 73.3325% | 3,772 |
| Total domestic deposits to total assets | 89.5023% | 487 |
| Equity capital to assets | 10.2645% | 3,659 |
| Core capital (leverage) ratio | 9.9774% | 3,546 |
| Tier 1 risk-based capital ratio | 17.9120% | 1,783 |
| Total risk-based capital ratio | 18.3026% | 1,976 |
| Memoranda: | ||
| Average total assets | $115,035,200 | 3,764 |
| Average earning assets | $107,003,400 | 3,759 |
| Average equity | $11,062,400 | 4,119 |
| Average total loans | $61,483,200 | 3,954 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3165% | 3,611 |
| Cost of funding earning assets | 0.4232% | 4,428 |
| Net interest margin | 3.8932% | 2,280 |
| Noninterest income to average assets | 0.4895% | 2,797 |
| Noninterest expense to average assets | 2.9750% | 2,044 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.1464% | 2,384 |
| Return on assets (ROA) | 1.1764% | 2,354 |
| Pretax return on assets | 1.1764% | 3,058 |
| Return on Equity (ROE) | 12.4382% | 1,470 |
| Retained earnings to average equity (ytd only) | 9.4111% | 922 |
| Net charge-offs to loans | 0.0022% | 3,362 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 995.4662% | 91 |
| Efficiency ratio | 72.1849% | 1,808 |
| Assets per employee ($millions) | 3.2074% | 4,748 |
| Cash dividends to net income (ytd only)* | 24.3378% | 2,853 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3931% | 5,067 |
| Loan loss allowance to noncurrent loans | 82.2526% | 3,598 |
| Noncurrent assets plus other real estate owned to assets | 0.2940% | 3,373 |
| Noncurrent loans to loans | 0.4779% | 2,862 |
| Net loans and leases to total assets | 54.3961% | 4,149 |
| Net loans and leases to deposits | 61.3099% | 4,324 |
| Net loans and leases to core deposits | 76.7473% | 3,644 |
| Total domestic deposits to total assets | 88.7233% | 729 |
| Equity capital to assets | 10.7449% | 3,339 |
| Core capital (leverage) ratio | 10.1819% | 3,442 |
| Tier 1 risk-based capital ratio | 17.9897% | 1,822 |
| Total risk-based capital ratio | 18.3709% | 1,996 |
| Memoranda: | ||
| Average total assets | $115,492,500 | 3,800 |
| Average earning assets | $107,739,750 | 3,795 |
| Average equity | $10,923,000 | 4,172 |
| Average total loans | $61,518,750 | 3,996 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2723% | 3,723 |
| Cost of funding earning assets | 0.4191% | 4,436 |
| Net interest margin | 3.8532% | 2,400 |
| Noninterest income to average assets | 0.4701% | 2,838 |
| Noninterest expense to average assets | 2.9493% | 2,138 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.1169% | 2,456 |
| Return on assets (ROA) | 1.1615% | 2,362 |
| Pretax return on assets | 1.1615% | 3,033 |
| Return on Equity (ROE) | 12.8422% | 1,290 |
| Retained earnings to average equity (ytd only) | 9.7123% | 837 |
| Net charge-offs to loans | -0.0130% | 4,402 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5316% | 1,837 |
| Assets per employee ($millions) | 3.0088% | 4,901 |
| Cash dividends to net income (ytd only)* | 24.3722% | 2,860 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3917% | 5,115 |
| Loan loss allowance to noncurrent loans | 135.9116% | 2,801 |
| Noncurrent assets plus other real estate owned to assets | 0.2956% | 3,367 |
| Noncurrent loans to loans | 0.2882% | 3,497 |
| Net loans and leases to total assets | 54.7116% | 4,164 |
| Net loans and leases to deposits | 61.0414% | 4,373 |
| Net loans and leases to core deposits | 76.8118% | 3,662 |
| Total domestic deposits to total assets | 89.6304% | 439 |
| Equity capital to assets | 10.0373% | 3,945 |
| Core capital (leverage) ratio | 9.9033% | 3,699 |
| Tier 1 risk-based capital ratio | 17.4332% | 1,959 |
| Total risk-based capital ratio | 17.8190% | 2,166 |
| Memoranda: | ||
| Average total assets | $116,570,670 | 3,815 |
| Average earning assets | $108,793,330 | 3,793 |
| Average equity | $10,543,330 | 4,231 |
| Average total loans | $61,590,000 | 4,014 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2382% | 3,753 |
| Cost of funding earning assets | 0.4588% | 4,248 |
| Net interest margin | 3.7795% | 2,602 |
| Noninterest income to average assets | 0.4181% | 3,067 |
| Noninterest expense to average assets | 2.9298% | 2,183 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.0162% | 2,787 |
| Return on assets (ROA) | 1.1046% | 2,497 |
| Pretax return on assets | 1.1046% | 3,135 |
| Return on Equity (ROE) | 12.9007% | 1,253 |
| Retained earnings to average equity (ytd only) | 9.6060% | 1,134 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2463% | 1,725 |
| Assets per employee ($millions) | 3.1752% | 4,851 |
| Cash dividends to net income (ytd only)* | 25.5385% | 2,334 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3928% | 5,180 |
| Loan loss allowance to noncurrent loans | 132.2404% | 2,887 |
| Noncurrent assets plus other real estate owned to assets | 0.3088% | 3,374 |
| Noncurrent loans to loans | 0.2970% | 3,501 |
| Net loans and leases to total assets | 53.6861% | 4,224 |
| Net loans and leases to deposits | 59.9252% | 4,419 |
| Net loans and leases to core deposits | 75.7786% | 3,674 |
| Total domestic deposits to total assets | 89.5886% | 606 |
| Equity capital to assets | 9.2654% | 4,469 |
| Core capital (leverage) ratio | 9.5289% | 4,097 |
| Tier 1 risk-based capital ratio | 17.1217% | 2,072 |
| Total risk-based capital ratio | 17.5038% | 2,298 |
| Memoranda: | ||
| Average total assets | $117,689,000 | 3,842 |
| Average earning assets | $109,857,000 | 3,818 |
| Average equity | $10,077,000 | 4,314 |
| Average total loans | $60,985,000 | 4,073 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2006% | 3,444 |
| Cost of funding earning assets | 0.3675% | 4,178 |
| Net interest margin | 3.8331% | 2,552 |
| Noninterest income to average assets | 0.5366% | 2,629 |
| Noninterest expense to average assets | 3.0170% | 2,006 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.1034% | 2,583 |
| Return on assets (ROA) | 1.1034% | 2,579 |
| Pretax return on assets | 1.1034% | 3,255 |
| Return on Equity (ROE) | 13.3034% | 1,233 |
| Retained earnings to average equity (ytd only) | 5.3171% | 2,587 |
| Net charge-offs to loans | 0.0124% | 3,269 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 178.0000% | 491 |
| Efficiency ratio | 73.2216% | 1,729 |
| Assets per employee ($millions) | 3.3631% | 4,693 |
| Cash dividends to net income (ytd only)* | 60.0321% | 1,494 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4009% | 5,214 |
| Loan loss allowance to noncurrent loans | 67.0360% | 3,975 |
| Noncurrent assets plus other real estate owned to assets | 0.2982% | 3,382 |
| Noncurrent loans to loans | 0.5981% | 2,487 |
| Net loans and leases to total assets | 49.6560% | 4,541 |
| Net loans and leases to deposits | 58.9882% | 4,527 |
| Net loans and leases to core deposits | 74.8102% | 3,797 |
| Total domestic deposits to total assets | 84.1795% | 2,944 |
| Equity capital to assets | 7.8987% | 5,198 |
| Core capital (leverage) ratio | 9.3858% | 4,254 |
| Tier 1 risk-based capital ratio | 16.4648% | 2,250 |
| Total risk-based capital ratio | 16.8406% | 2,500 |
| Memoranda: | ||
| Average total assets | $112,925,200 | 3,899 |
| Average earning assets | $105,580,000 | 3,885 |
| Average equity | $9,366,000 | 4,407 |
| Average total loans | $56,424,200 | 4,177 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1776% | 3,391 |
| Cost of funding earning assets | 0.3454% | 4,215 |
| Net interest margin | 3.8323% | 2,518 |
| Noninterest income to average assets | 0.5339% | 2,651 |
| Noninterest expense to average assets | 2.9963% | 2,027 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.1266% | 2,546 |
| Return on assets (ROA) | 1.1266% | 2,557 |
| Pretax return on assets | 1.1266% | 3,286 |
| Return on Equity (ROE) | 13.4092% | 1,293 |
| Retained earnings to average equity (ytd only) | 9.8601% | 964 |
| Net charge-offs to loans | 0.0144% | 2,908 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 156.1625% | 524 |
| Efficiency ratio | 72.6742% | 1,782 |
| Assets per employee ($millions) | 3.1129% | 4,952 |
| Cash dividends to net income (ytd only)* | 26.4676% | 2,725 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4211% | 5,263 |
| Loan loss allowance to noncurrent loans | 70.0288% | 3,994 |
| Noncurrent assets plus other real estate owned to assets | 0.3096% | 3,454 |
| Noncurrent loans to loans | 0.6013% | 2,575 |
| Net loans and leases to total assets | 51.2823% | 4,511 |
| Net loans and leases to deposits | 56.6404% | 4,715 |
| Net loans and leases to core deposits | 71.9523% | 4,088 |
| Total domestic deposits to total assets | 90.5402% | 326 |
| Equity capital to assets | 8.1632% | 5,104 |
| Core capital (leverage) ratio | 9.5552% | 4,103 |
| Tier 1 risk-based capital ratio | 17.5722% | 1,905 |
| Total risk-based capital ratio | 17.9678% | 2,146 |
| Memoranda: | ||
| Average total assets | $110,888,750 | 3,969 |
| Average earning assets | $103,852,250 | 3,957 |
| Average equity | $9,316,750 | 4,455 |
| Average total loans | $55,440,000 | 4,245 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1016% | 3,440 |
| Cost of funding earning assets | 0.3308% | 4,200 |
| Net interest margin | 3.7708% | 2,669 |
| Noninterest income to average assets | 0.5593% | 2,522 |
| Noninterest expense to average assets | 2.9666% | 2,143 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.1204% | 2,519 |
| Return on assets (ROA) | 1.1204% | 2,519 |
| Pretax return on assets | 1.1204% | 3,232 |
| Return on Equity (ROE) | 13.2082% | 1,299 |
| Retained earnings to average equity (ytd only) | 9.6661% | 1,021 |
| Net charge-offs to loans | 0.0219% | 2,441 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 103.1667% | 685 |
| Efficiency ratio | 72.5864% | 1,904 |
| Assets per employee ($millions) | 3.0940% | 5,024 |
| Cash dividends to net income (ytd only)* | 26.8174% | 2,718 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4297% | 5,333 |
| Loan loss allowance to noncurrent loans | 127.2251% | 3,034 |
| Noncurrent assets plus other real estate owned to assets | 0.1668% | 4,153 |
| Noncurrent loans to loans | 0.3377% | 3,490 |
| Net loans and leases to total assets | 49.1894% | 4,652 |
| Net loans and leases to deposits | 55.0229% | 4,800 |
| Net loans and leases to core deposits | 68.2508% | 4,241 |
| Total domestic deposits to total assets | 89.3980% | 772 |
| Equity capital to assets | 8.1430% | 5,173 |
| Core capital (leverage) ratio | 9.6521% | 3,941 |
| Tier 1 risk-based capital ratio | 17.3561% | 1,983 |
| Total risk-based capital ratio | 17.7556% | 2,201 |
| Memoranda: | ||
| Average total assets | $110,497,000 | 4,008 |
| Average earning assets | $103,374,330 | 3,997 |
| Average equity | $9,373,000 | 4,481 |
| Average total loans | $54,682,670 | 4,288 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0912% | 3,262 |
| Cost of funding earning assets | 0.3238% | 4,181 |
| Net interest margin | 3.7674% | 2,560 |
| Noninterest income to average assets | 0.5456% | 2,544 |
| Noninterest expense to average assets | 3.0081% | 2,040 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.0543% | 2,628 |
| Return on assets (ROA) | 1.0543% | 2,641 |
| Pretax return on assets | 1.0543% | 3,340 |
| Return on Equity (ROE) | 12.1722% | 1,517 |
| Retained earnings to average equity (ytd only) | 8.6822% | 1,587 |
| Net charge-offs to loans | 0.0223% | 2,058 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 95.3333% | 634 |
| Efficiency ratio | 74.0472% | 1,896 |
| Assets per employee ($millions) | 3.0469% | 5,118 |
| Cash dividends to net income (ytd only)* | 28.6713% | 2,189 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4497% | 5,389 |
| Loan loss allowance to noncurrent loans | 73.8739% | 3,958 |
| Noncurrent assets plus other real estate owned to assets | 0.3123% | 3,585 |
| Noncurrent loans to loans | 0.6088% | 2,719 |
| Net loans and leases to total assets | 51.0610% | 4,498 |
| Net loans and leases to deposits | 56.0654% | 4,684 |
| Net loans and leases to core deposits | 70.4921% | 4,060 |
| Total domestic deposits to total assets | 91.0740% | 295 |
| Equity capital to assets | 8.5688% | 4,925 |
| Core capital (leverage) ratio | 9.6774% | 3,873 |
| Tier 1 risk-based capital ratio | 17.6483% | 1,933 |
| Total risk-based capital ratio | 18.0694% | 2,120 |
| Memoranda: | ||
| Average total assets | $108,506,500 | 4,092 |
| Average earning assets | $101,289,500 | 4,076 |
| Average equity | $9,398,500 | 4,521 |
| Average total loans | $53,747,000 | 4,358 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0684% | 3,175 |
| Cost of funding earning assets | 0.3190% | 3,963 |
| Net interest margin | 3.7494% | 2,607 |
| Noninterest income to average assets | 0.6476% | 2,211 |
| Noninterest expense to average assets | 3.0885% | 1,894 |
| Loan and lease loss provision to assets | 0.0065% | 4,136 |
| Net operating income to assets | 1.0457% | 2,071 |
| Return on assets (ROA) | 1.1476% | 1,720 |
| Pretax return on assets | 1.1476% | 2,993 |
| Return on Equity (ROE) | 12.7917% | 999 |
| Retained earnings to average equity (ytd only) | 5.1146% | 2,059 |
| Net charge-offs to loans | 0.0058% | 3,876 |
| Credit loss provision to net charge-offs | 233.3333% | 1,189 |
| Earnings coverage of net charge-offs (x) | 375.3333% | 232 |
| Efficiency ratio | 74.5881% | 1,811 |
| Assets per employee ($millions) | 3.2462% | 4,990 |
| Cash dividends to net income (ytd only)* | 60.0163% | 1,747 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4716% | 5,422 |
| Loan loss allowance to noncurrent loans | 138.3333% | 2,956 |
| Noncurrent assets plus other real estate owned to assets | 0.1631% | 4,327 |
| Noncurrent loans to loans | 0.3409% | 3,539 |
| Net loans and leases to total assets | 47.6090% | 4,797 |
| Net loans and leases to deposits | 52.2783% | 4,972 |
| Net loans and leases to core deposits | 63.1267% | 4,592 |
| Total domestic deposits to total assets | 91.0682% | 223 |
| Equity capital to assets | 8.7515% | 4,926 |
| Core capital (leverage) ratio | 9.4464% | 4,106 |
| Tier 1 risk-based capital ratio | 17.4797% | 1,948 |
| Total risk-based capital ratio | 17.9104% | 2,160 |
| Memoranda: | ||
| Average total assets | $107,008,600 | 4,114 |
| Average earning assets | $99,695,800 | 4,102 |
| Average equity | $9,600,000 | 4,510 |
| Average total loans | $51,700,200 | 4,415 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0824% | 3,042 |
| Cost of funding earning assets | 0.3194% | 3,939 |
| Net interest margin | 3.7630% | 2,532 |
| Noninterest income to average assets | 0.6254% | 2,339 |
| Noninterest expense to average assets | 3.0542% | 1,939 |
| Loan and lease loss provision to assets | 0.0088% | 3,953 |
| Net operating income to assets | 1.0687% | 2,236 |
| Return on assets (ROA) | 1.2056% | 1,703 |
| Pretax return on assets | 1.2056% | 2,881 |
| Return on Equity (ROE) | 13.3535% | 968 |
| Retained earnings to average equity (ytd only) | 9.9177% | 606 |
| Net charge-offs to loans | 0.0078% | 3,450 |
| Credit loss provision to net charge-offs | 233.3333% | 1,196 |
| Earnings coverage of net charge-offs (x) | 285.9925% | 317 |
| Efficiency ratio | 73.9210% | 1,903 |
| Assets per employee ($millions) | 3.0373% | 5,235 |
| Cash dividends to net income (ytd only)* | 25.7295% | 2,918 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4782% | 5,494 |
| Loan loss allowance to noncurrent loans | 469.8113% | 1,106 |
| Noncurrent assets plus other real estate owned to assets | 0.0499% | 4,984 |
| Noncurrent loans to loans | 0.1018% | 4,654 |
| Net loans and leases to total assets | 48.7447% | 4,779 |
| Net loans and leases to deposits | 54.1847% | 4,954 |
| Net loans and leases to core deposits | 66.7728% | 4,440 |
| Total domestic deposits to total assets | 89.9602% | 491 |
| Equity capital to assets | 9.6795% | 4,266 |
| Core capital (leverage) ratio | 9.7849% | 3,840 |
| Tier 1 risk-based capital ratio | 18.4482% | 1,745 |
| Total risk-based capital ratio | 18.8930% | 1,902 |
| Memoranda: | ||
| Average total assets | $106,168,250 | 4,177 |
| Average earning assets | $98,926,750 | 4,159 |
| Average equity | $9,585,250 | 4,557 |
| Average total loans | $51,426,500 | 4,460 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0720% | 2,928 |
| Cost of funding earning assets | 0.3153% | 3,930 |
| Net interest margin | 3.7568% | 2,450 |
| Noninterest income to average assets | 0.5993% | 2,460 |
| Noninterest expense to average assets | 3.0399% | 2,009 |
| Loan and lease loss provision to assets | 0.0132% | 3,690 |
| Net operating income to assets | 1.0497% | 2,207 |
| Return on assets (ROA) | 1.2476% | 1,471 |
| Pretax return on assets | 1.2476% | 2,595 |
| Return on Equity (ROE) | 14.1599% | 789 |
| Retained earnings to average equity (ytd only) | 10.6306% | 489 |
| Net charge-offs to loans | 0.0117% | 3,047 |
| Credit loss provision to net charge-offs | 233.3333% | 1,127 |
| Earnings coverage of net charge-offs (x) | 188.0000% | 432 |
| Efficiency ratio | 74.0928% | 1,999 |
| Assets per employee ($millions) | 2.9865% | 5,279 |
| Cash dividends to net income (ytd only)* | 24.9245% | 2,936 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4889% | 5,530 |
| Loan loss allowance to noncurrent loans | 157.5949% | 2,688 |
| Noncurrent assets plus other real estate owned to assets | 0.1470% | 4,584 |
| Noncurrent loans to loans | 0.3102% | 3,930 |
| Net loans and leases to total assets | 47.1427% | 4,872 |
| Net loans and leases to deposits | 52.2079% | 5,049 |
| Net loans and leases to core deposits | 63.9075% | 4,607 |
| Total domestic deposits to total assets | 90.2980% | 425 |
| Equity capital to assets | 9.4230% | 4,489 |
| Core capital (leverage) ratio | 9.4607% | 4,169 |
| Tier 1 risk-based capital ratio | 18.7681% | 1,643 |
| Total risk-based capital ratio | 19.2303% | 1,818 |
| Memoranda: | ||
| Average total assets | $106,122,000 | 4,206 |
| Average earning assets | $98,968,000 | 4,181 |
| Average equity | $9,350,330 | 4,619 |
| Average total loans | $51,212,670 | 4,490 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0490% | 2,855 |
| Cost of funding earning assets | 0.3096% | 3,946 |
| Net interest margin | 3.7395% | 2,358 |
| Noninterest income to average assets | 0.5653% | 2,580 |
| Noninterest expense to average assets | 3.0467% | 2,024 |
| Loan and lease loss provision to assets | 0.0266% | 3,226 |
| Net operating income to assets | 0.9751% | 2,415 |
| Return on assets (ROA) | 1.3735% | 1,087 |
| Pretax return on assets | 1.3735% | 1,974 |
| Return on Equity (ROE) | 16.1607% | 510 |
| Retained earnings to average equity (ytd only) | 12.4107% | 430 |
| Net charge-offs to loans | 0.0078% | 2,702 |
| Credit loss provision to net charge-offs | 700.0000% | 457 |
| Earnings coverage of net charge-offs (x) | 264.0000% | 221 |
| Efficiency ratio | 75.2577% | 2,026 |
| Assets per employee ($millions) | 3.0645% | 5,303 |
| Cash dividends to net income (ytd only)* | 23.2044% | 2,462 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4889% | 5,602 |
| Loan loss allowance to noncurrent loans | 148.5207% | 2,837 |
| Noncurrent assets plus other real estate owned to assets | 0.1576% | 4,627 |
| Noncurrent loans to loans | 0.3292% | 3,937 |
| Net loans and leases to total assets | 47.6295% | 4,852 |
| Net loans and leases to deposits | 52.2501% | 5,023 |
| Net loans and leases to core deposits | 63.6483% | 4,558 |
| Total domestic deposits to total assets | 91.1568% | 258 |
| Equity capital to assets | 8.6400% | 5,117 |
| Core capital (leverage) ratio | 9.4474% | 4,179 |
| Tier 1 risk-based capital ratio | 17.9822% | 1,883 |
| Total risk-based capital ratio | 18.4385% | 2,072 |
| Memoranda: | ||
| Average total assets | $105,426,000 | 4,259 |
| Average earning assets | $98,196,000 | 4,230 |
| Average equity | $8,960,000 | 4,724 |
| Average total loans | $51,352,000 | 4,520 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9862% | 3,240 |
| Cost of funding earning assets | 0.3083% | 3,974 |
| Net interest margin | 3.6779% | 2,786 |
| Noninterest income to average assets | 0.5511% | 2,907 |
| Noninterest expense to average assets | 3.1420% | 1,918 |
| Loan and lease loss provision to assets | 0.0284% | 3,788 |
| Net operating income to assets | 0.8251% | 3,184 |
| Return on assets (ROA) | 1.0258% | 2,340 |
| Pretax return on assets | 1.0258% | 3,381 |
| Return on Equity (ROE) | 10.4995% | 1,766 |
| Retained earnings to average equity (ytd only) | 2.6850% | 3,994 |
| Net charge-offs to loans | 0.0126% | 3,849 |
| Credit loss provision to net charge-offs | 483.3333% | 681 |
| Earnings coverage of net charge-offs (x) | 145.3333% | 437 |
| Efficiency ratio | 78.6379% | 1,604 |
| Assets per employee ($millions) | 2.9599% | 5,383 |
| Cash dividends to net income (ytd only)* | 74.4275% | 1,122 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4770% | 5,677 |
| Loan loss allowance to noncurrent loans | 314.1026% | 1,579 |
| Noncurrent assets plus other real estate owned to assets | 0.0753% | 5,032 |
| Noncurrent loans to loans | 0.1518% | 4,632 |
| Net loans and leases to total assets | 49.3479% | 4,808 |
| Net loans and leases to deposits | 53.9392% | 5,016 |
| Net loans and leases to core deposits | 65.0838% | 4,574 |
| Total domestic deposits to total assets | 91.4880% | 162 |
| Equity capital to assets | 8.3527% | 5,387 |
| Core capital (leverage) ratio | 9.3587% | 4,270 |
| Tier 1 risk-based capital ratio | 18.5480% | 1,713 |
| Total risk-based capital ratio | 19.0207% | 1,873 |
| Memoranda: | ||
| Average total assets | $102,163,400 | 4,318 |
| Average earning assets | $95,680,200 | 4,277 |
| Average equity | $9,981,400 | 4,585 |
| Average total loans | $47,543,000 | 4,650 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9834% | 3,291 |
| Cost of funding earning assets | 0.3076% | 4,012 |
| Net interest margin | 3.6758% | 2,811 |
| Noninterest income to average assets | 0.5409% | 2,972 |
| Noninterest expense to average assets | 3.0790% | 2,083 |
| Loan and lease loss provision to assets | 0.0052% | 4,127 |
| Net operating income to assets | 0.8997% | 2,908 |
| Return on assets (ROA) | 1.0111% | 2,516 |
| Pretax return on assets | 1.0111% | 3,593 |
| Return on Equity (ROE) | 9.9802% | 2,060 |
| Retained earnings to average equity (ytd only) | 5.1711% | 2,713 |
| Net charge-offs to loans | 0.0172% | 3,377 |
| Credit loss provision to net charge-offs | 66.6667% | 2,837 |
| Earnings coverage of net charge-offs (x) | 115.1638% | 589 |
| Efficiency ratio | 77.2847% | 1,799 |
| Assets per employee ($millions) | 3.0407% | 5,355 |
| Cash dividends to net income (ytd only)* | 48.1866% | 1,976 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4677% | 5,753 |
| Loan loss allowance to noncurrent loans | 278.4810% | 1,725 |
| Noncurrent assets plus other real estate owned to assets | 0.0764% | 5,131 |
| Noncurrent loans to loans | 0.1679% | 4,687 |
| Net loans and leases to total assets | 45.2889% | 5,130 |
| Net loans and leases to deposits | 50.7429% | 5,264 |
| Net loans and leases to core deposits | 61.5645% | 4,857 |
| Total domestic deposits to total assets | 89.2516% | 777 |
| Equity capital to assets | 10.3828% | 3,702 |
| Core capital (leverage) ratio | 9.5664% | 4,100 |
| Tier 1 risk-based capital ratio | 20.2023% | 1,408 |
| Total risk-based capital ratio | 20.6584% | 1,530 |
| Memoranda: | ||
| Average total assets | $101,805,500 | 4,358 |
| Average earning assets | $95,359,000 | 4,316 |
| Average equity | $10,313,500 | 4,567 |
| Average total loans | $46,587,000 | 4,716 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0480% | 3,069 |
| Cost of funding earning assets | 0.3054% | 4,062 |
| Net interest margin | 3.7426% | 2,539 |
| Noninterest income to average assets | 0.5075% | 3,141 |
| Noninterest expense to average assets | 3.0885% | 2,092 |
| Loan and lease loss provision to assets | 0.0020% | 3,995 |
| Net operating income to assets | 0.9261% | 2,742 |
| Return on assets (ROA) | 1.0348% | 2,366 |
| Pretax return on assets | 1.0348% | 3,459 |
| Return on Equity (ROE) | 10.3014% | 1,922 |
| Retained earnings to average equity (ytd only) | 4.6592% | 2,943 |
| Net charge-offs to loans | 0.0258% | 2,961 |
| Credit loss provision to net charge-offs | 16.6667% | 2,956 |
| Earnings coverage of net charge-offs (x) | 78.3333% | 713 |
| Efficiency ratio | 76.8928% | 1,945 |
| Assets per employee ($millions) | 2.9316% | 5,498 |
| Cash dividends to net income (ytd only)* | 54.7710% | 1,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4701% | 5,832 |
| Loan loss allowance to noncurrent loans | 267.9012% | 1,797 |
| Noncurrent assets plus other real estate owned to assets | 0.0789% | 5,212 |
| Noncurrent loans to loans | 0.1755% | 4,732 |
| Net loans and leases to total assets | 44.7727% | 5,190 |
| Net loans and leases to deposits | 50.2192% | 5,323 |
| Net loans and leases to core deposits | 61.0388% | 4,929 |
| Total domestic deposits to total assets | 89.1545% | 847 |
| Equity capital to assets | 10.5073% | 3,625 |
| Core capital (leverage) ratio | 9.3561% | 4,389 |
| Tier 1 risk-based capital ratio | 20.4464% | 1,359 |
| Total risk-based capital ratio | 20.9094% | 1,490 |
| Memoranda: | ||
| Average total assets | $101,279,670 | 4,401 |
| Average earning assets | $94,961,000 | 4,363 |
| Average equity | $10,173,330 | 4,613 |
| Average total loans | $46,435,670 | 4,758 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0763% | 2,941 |
| Cost of funding earning assets | 0.3057% | 4,098 |
| Net interest margin | 3.7706% | 2,401 |
| Noninterest income to average assets | 0.5446% | 2,844 |
| Noninterest expense to average assets | 3.0730% | 2,169 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.0018% | 2,269 |
| Return on assets (ROA) | 1.1012% | 1,996 |
| Pretax return on assets | 1.1012% | 3,088 |
| Return on Equity (ROE) | 11.2265% | 1,522 |
| Retained earnings to average equity (ytd only) | 2.8776% | 4,077 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4146% | 2,265 |
| Assets per employee ($millions) | 3.1073% | 5,390 |
| Cash dividends to net income (ytd only)* | 74.3682% | 1,095 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4708% | 5,892 |
| Loan loss allowance to noncurrent loans | 241.3043% | 1,922 |
| Noncurrent assets plus other real estate owned to assets | 0.0897% | 5,227 |
| Noncurrent loans to loans | 0.1951% | 4,718 |
| Net loans and leases to total assets | 45.7637% | 5,134 |
| Net loans and leases to deposits | 50.8854% | 5,292 |
| Net loans and leases to core deposits | 61.7379% | 4,828 |
| Total domestic deposits to total assets | 89.9349% | 628 |
| Equity capital to assets | 9.8389% | 4,286 |
| Core capital (leverage) ratio | 9.2276% | 4,568 |
| Tier 1 risk-based capital ratio | 19.8608% | 1,535 |
| Total risk-based capital ratio | 20.3290% | 1,677 |
| Memoranda: | ||
| Average total assets | $100,617,000 | 4,455 |
| Average earning assets | $94,203,500 | 4,416 |
| Average equity | $9,869,500 | 4,679 |
| Average total loans | $46,575,500 | 4,782 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2015% | 2,554 |
| Cost of funding earning assets | 0.3299% | 3,909 |
| Net interest margin | 3.8716% | 2,126 |
| Noninterest income to average assets | 0.6133% | 2,651 |
| Noninterest expense to average assets | 3.2467% | 1,845 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.9780% | 2,477 |
| Return on assets (ROA) | 1.1758% | 1,726 |
| Pretax return on assets | 1.1758% | 2,747 |
| Return on Equity (ROE) | 11.6645% | 1,386 |
| Retained earnings to average equity (ytd only) | 3.9258% | 3,247 |
| Net charge-offs to loans | 0.0260% | 3,709 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 78.6667% | 713 |
| Efficiency ratio | 76.8514% | 2,141 |
| Assets per employee ($millions) | 2.9027% | 5,610 |
| Cash dividends to net income (ytd only)* | 66.3436% | 1,415 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4826% | 5,934 |
| Loan loss allowance to noncurrent loans | 112.6904% | 3,408 |
| Noncurrent assets plus other real estate owned to assets | 0.1996% | 4,790 |
| Noncurrent loans to loans | 0.4282% | 3,924 |
| Net loans and leases to total assets | 46.3867% | 5,128 |
| Net loans and leases to deposits | 51.5065% | 5,310 |
| Net loans and leases to core deposits | 61.4686% | 4,901 |
| Total domestic deposits to total assets | 90.0600% | 609 |
| Equity capital to assets | 9.7779% | 4,214 |
| Core capital (leverage) ratio | 9.4617% | 4,233 |
| Tier 1 risk-based capital ratio | 19.8117% | 1,514 |
| Total risk-based capital ratio | 20.2824% | 1,655 |
| Memoranda: | ||
| Average total assets | $96,527,800 | 4,528 |
| Average earning assets | $90,039,600 | 4,503 |
| Average equity | $9,730,400 | 4,702 |
| Average total loans | $46,126,200 | 4,789 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2134% | 2,531 |
| Cost of funding earning assets | 0.3408% | 3,848 |
| Net interest margin | 3.8725% | 2,123 |
| Noninterest income to average assets | 0.6015% | 2,731 |
| Noninterest expense to average assets | 3.1823% | 2,013 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.0335% | 2,309 |
| Return on assets (ROA) | 1.2085% | 1,685 |
| Pretax return on assets | 1.2085% | 2,790 |
| Return on Equity (ROE) | 11.8965% | 1,400 |
| Retained earnings to average equity (ytd only) | 8.4233% | 1,080 |
| Net charge-offs to loans | 0.0347% | 3,220 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 61.9988% | 895 |
| Efficiency ratio | 75.4860% | 2,322 |
| Assets per employee ($millions) | 3.0252% | 5,517 |
| Cash dividends to net income (ytd only)* | 29.1956% | 2,844 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4902% | 6,029 |
| Loan loss allowance to noncurrent loans | 93.6709% | 3,812 |
| Noncurrent assets plus other real estate owned to assets | 0.2915% | 4,602 |
| Noncurrent loans to loans | 0.5233% | 3,777 |
| Net loans and leases to total assets | 45.1423% | 5,282 |
| Net loans and leases to deposits | 50.4461% | 5,455 |
| Net loans and leases to core deposits | 59.5088% | 5,100 |
| Total domestic deposits to total assets | 89.4862% | 779 |
| Equity capital to assets | 10.1371% | 4,012 |
| Core capital (leverage) ratio | 9.8395% | 3,846 |
| Tier 1 risk-based capital ratio | 20.5566% | 1,427 |
| Total risk-based capital ratio | 21.0330% | 1,566 |
| Memoranda: | ||
| Average total assets | $95,986,750 | 4,592 |
| Average earning assets | $89,585,750 | 4,566 |
| Average equity | $9,750,500 | 4,757 |
| Average total loans | $46,157,250 | 4,840 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2804% | 2,239 |
| Cost of funding earning assets | 0.3490% | 3,817 |
| Net interest margin | 3.9315% | 1,882 |
| Noninterest income to average assets | 0.5744% | 2,882 |
| Noninterest expense to average assets | 3.2057% | 1,969 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.0327% | 2,214 |
| Return on assets (ROA) | 1.2988% | 1,385 |
| Pretax return on assets | 1.2988% | 2,366 |
| Return on Equity (ROE) | 12.7761% | 1,165 |
| Retained earnings to average equity (ytd only) | 9.2445% | 848 |
| Net charge-offs to loans | 0.0172% | 3,363 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 122.2500% | 514 |
| Efficiency ratio | 75.6353% | 2,424 |
| Assets per employee ($millions) | 2.8818% | 5,730 |
| Cash dividends to net income (ytd only)* | 27.6423% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4914% | 6,094 |
| Loan loss allowance to noncurrent loans | 190.0826% | 2,322 |
| Noncurrent assets plus other real estate owned to assets | 0.1272% | 5,352 |
| Noncurrent loans to loans | 0.2585% | 4,753 |
| Net loans and leases to total assets | 48.9700% | 5,013 |
| Net loans and leases to deposits | 54.6114% | 5,214 |
| Net loans and leases to core deposits | 64.9716% | 4,735 |
| Total domestic deposits to total assets | 89.6699% | 803 |
| Equity capital to assets | 10.0241% | 4,010 |
| Core capital (leverage) ratio | 9.8606% | 3,787 |
| Tier 1 risk-based capital ratio | 20.1555% | 1,516 |
| Total risk-based capital ratio | 20.6482% | 1,665 |
| Memoranda: | ||
| Average total assets | $94,705,330 | 4,664 |
| Average earning assets | $88,262,330 | 4,633 |
| Average equity | $9,627,330 | 4,816 |
| Average total loans | $46,447,000 | 4,874 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2571% | 2,244 |
| Cost of funding earning assets | 0.3498% | 3,862 |
| Net interest margin | 3.9073% | 1,869 |
| Noninterest income to average assets | 0.5883% | 2,710 |
| Noninterest expense to average assets | 3.2336% | 1,891 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.9946% | 2,292 |
| Return on assets (ROA) | 1.3840% | 1,120 |
| Pretax return on assets | 1.3840% | 1,944 |
| Return on Equity (ROE) | 13.5201% | 978 |
| Retained earnings to average equity (ytd only) | 9.8816% | 956 |
| Net charge-offs to loans | 0.0346% | 2,517 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 58.7500% | 750 |
| Efficiency ratio | 76.4765% | 2,430 |
| Assets per employee ($millions) | 2.9737% | 5,705 |
| Cash dividends to net income (ytd only)* | 26.9113% | 2,407 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4907% | 6,176 |
| Loan loss allowance to noncurrent loans | 147.4359% | 2,833 |
| Noncurrent assets plus other real estate owned to assets | 0.1639% | 5,301 |
| Noncurrent loans to loans | 0.3328% | 4,597 |
| Net loans and leases to total assets | 49.0127% | 4,937 |
| Net loans and leases to deposits | 54.8797% | 5,131 |
| Net loans and leases to core deposits | 65.1119% | 4,604 |
| Total domestic deposits to total assets | 89.3092% | 1,087 |
| Equity capital to assets | 10.4627% | 3,571 |
| Core capital (leverage) ratio | 9.6640% | 4,056 |
| Tier 1 risk-based capital ratio | 19.5821% | 1,715 |
| Total risk-based capital ratio | 20.0715% | 1,874 |
| Memoranda: | ||
| Average total assets | $94,507,500 | 4,704 |
| Average earning assets | $88,041,000 | 4,673 |
| Average equity | $9,674,500 | 4,851 |
| Average total loans | $46,270,000 | 4,906 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4522% | 2,059 |
| Cost of funding earning assets | 0.3711% | 4,026 |
| Net interest margin | 4.0811% | 1,646 |
| Noninterest income to average assets | 0.6186% | 2,748 |
| Noninterest expense to average assets | 3.4138% | 1,671 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.0001% | 2,379 |
| Return on assets (ROA) | 1.2151% | 1,597 |
| Pretax return on assets | 1.2151% | 2,593 |
| Return on Equity (ROE) | 12.3982% | 1,295 |
| Retained earnings to average equity (ytd only) | 4.3652% | 3,074 |
| Net charge-offs to loans | 0.0224% | 4,394 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 90.7000% | 570 |
| Efficiency ratio | 77.3420% | 2,307 |
| Assets per employee ($millions) | 2.9331% | 5,784 |
| Cash dividends to net income (ytd only)* | 64.7913% | 1,519 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5124% | 6,243 |
| Loan loss allowance to noncurrent loans | 227.1845% | 2,038 |
| Noncurrent assets plus other real estate owned to assets | 0.1097% | 5,601 |
| Noncurrent loans to loans | 0.2255% | 5,018 |
| Net loans and leases to total assets | 48.4104% | 5,117 |
| Net loans and leases to deposits | 53.8819% | 5,340 |
| Net loans and leases to core deposits | 64.0102% | 4,824 |
| Total domestic deposits to total assets | 89.8453% | 801 |
| Equity capital to assets | 10.0077% | 4,110 |
| Core capital (leverage) ratio | 9.6408% | 4,043 |
| Tier 1 risk-based capital ratio | 19.4093% | 1,747 |
| Total risk-based capital ratio | 19.9160% | 1,906 |
| Memoranda: | ||
| Average total assets | $90,689,400 | 4,823 |
| Average earning assets | $84,339,600 | 4,779 |
| Average equity | $8,888,400 | 5,001 |
| Average total loans | $44,573,800 | 5,013 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4659% | 1,995 |
| Cost of funding earning assets | 0.3699% | 4,126 |
| Net interest margin | 4.0960% | 1,587 |
| Noninterest income to average assets | 0.6437% | 2,611 |
| Noninterest expense to average assets | 3.4038% | 1,651 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.0501% | 2,235 |
| Return on assets (ROA) | 1.1539% | 1,912 |
| Pretax return on assets | 1.1539% | 2,970 |
| Return on Equity (ROE) | 11.8384% | 1,520 |
| Retained earnings to average equity (ytd only) | 8.0647% | 1,326 |
| Net charge-offs to loans | 0.0271% | 3,954 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 78.6650% | 712 |
| Efficiency ratio | 76.4236% | 2,425 |
| Assets per employee ($millions) | 2.7000% | 6,089 |
| Cash dividends to net income (ytd only)* | 31.8767% | 2,716 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5249% | 6,308 |
| Loan loss allowance to noncurrent loans | 162.0690% | 2,555 |
| Noncurrent assets plus other real estate owned to assets | 0.1580% | 5,550 |
| Noncurrent loans to loans | 0.3239% | 4,938 |
| Net loans and leases to total assets | 48.5158% | 5,149 |
| Net loans and leases to deposits | 54.3174% | 5,362 |
| Net loans and leases to core deposits | 67.3966% | 4,570 |
| Total domestic deposits to total assets | 89.3191% | 1,066 |
| Equity capital to assets | 10.2615% | 3,842 |
| Core capital (leverage) ratio | 9.9725% | 3,722 |
| Tier 1 risk-based capital ratio | 20.1706% | 1,629 |
| Total risk-based capital ratio | 20.6912% | 1,765 |
| Memoranda: | ||
| Average total assets | $89,897,250 | 4,893 |
| Average earning assets | $83,624,750 | 4,850 |
| Average equity | $8,762,250 | 5,075 |
| Average total loans | $44,299,500 | 5,081 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5118% | 1,795 |
| Cost of funding earning assets | 0.3623% | 4,295 |
| Net interest margin | 4.1495% | 1,385 |
| Noninterest income to average assets | 0.6430% | 2,588 |
| Noninterest expense to average assets | 3.4236% | 1,628 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.0687% | 2,041 |
| Return on assets (ROA) | 1.1875% | 1,703 |
| Pretax return on assets | 1.1875% | 2,717 |
| Return on Equity (ROE) | 12.4078% | 1,330 |
| Retained earnings to average equity (ytd only) | 8.5450% | 1,130 |
| Net charge-offs to loans | 0.0227% | 3,753 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 95.4000% | 574 |
| Efficiency ratio | 76.2095% | 2,590 |
| Assets per employee ($millions) | 2.7254% | 6,104 |
| Cash dividends to net income (ytd only)* | 31.1321% | 2,745 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5282% | 6,387 |
| Loan loss allowance to noncurrent loans | 155.1948% | 2,647 |
| Noncurrent assets plus other real estate owned to assets | 0.1662% | 5,649 |
| Noncurrent loans to loans | 0.3404% | 4,990 |
| Net loans and leases to total assets | 48.5679% | 5,124 |
| Net loans and leases to deposits | 54.1108% | 5,347 |
| Net loans and leases to core deposits | 66.9299% | 4,559 |
| Total domestic deposits to total assets | 89.7565% | 931 |
| Equity capital to assets | 9.9240% | 4,212 |
| Core capital (leverage) ratio | 10.0075% | 3,600 |
| Tier 1 risk-based capital ratio | 19.3699% | 1,832 |
| Total risk-based capital ratio | 19.8878% | 1,982 |
| Memoranda: | ||
| Average total assets | $89,263,330 | 4,948 |
| Average earning assets | $82,806,000 | 4,910 |
| Average equity | $8,543,000 | 5,150 |
| Average total loans | $44,142,000 | 5,121 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5422% | 1,671 |
| Cost of funding earning assets | 0.3600% | 4,435 |
| Net interest margin | 4.1822% | 1,262 |
| Noninterest income to average assets | 0.5756% | 2,882 |
| Noninterest expense to average assets | 3.4489% | 1,592 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.0004% | 2,209 |
| Return on assets (ROA) | 0.9959% | 2,285 |
| Pretax return on assets | 0.9959% | 3,334 |
| Return on Equity (ROE) | 10.6128% | 1,815 |
| Retained earnings to average equity (ytd only) | 6.5721% | 2,240 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5154% | 2,551 |
| Assets per employee ($millions) | 2.5485% | 6,339 |
| Cash dividends to net income (ytd only)* | 38.0734% | 2,062 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5640% | 6,448 |
| Loan loss allowance to noncurrent loans | 167.1233% | 2,437 |
| Noncurrent assets plus other real estate owned to assets | 0.1637% | 5,744 |
| Noncurrent loans to loans | 0.3375% | 5,103 |
| Net loans and leases to total assets | 48.2264% | 5,095 |
| Net loans and leases to deposits | 53.4632% | 5,330 |
| Net loans and leases to core deposits | 60.1317% | 5,027 |
| Total domestic deposits to total assets | 90.2049% | 966 |
| Equity capital to assets | 9.5439% | 4,441 |
| Core capital (leverage) ratio | 10.0071% | 3,565 |
| Tier 1 risk-based capital ratio | 19.5313% | 1,826 |
| Total risk-based capital ratio | 20.0785% | 1,977 |
| Memoranda: | ||
| Average total assets | $87,563,000 | 5,029 |
| Average earning assets | $81,106,500 | 4,998 |
| Average equity | $8,216,500 | 5,238 |
| Average total loans | $43,591,000 | 5,181 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5950% | 1,894 |
| Cost of funding earning assets | 0.4142% | 4,490 |
| Net interest margin | 4.1808% | 1,418 |
| Noninterest income to average assets | 0.7745% | 2,188 |
| Noninterest expense to average assets | 3.5938% | 1,461 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.0236% | 2,233 |
| Return on assets (ROA) | 1.1399% | 1,860 |
| Pretax return on assets | 1.1399% | 2,807 |
| Return on Equity (ROE) | 11.2579% | 1,683 |
| Retained earnings to average equity (ytd only) | 4.0041% | 3,344 |
| Net charge-offs to loans | 0.0338% | 4,763 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 62.2143% | 665 |
| Efficiency ratio | 77.8315% | 2,496 |
| Assets per employee ($millions) | 2.5273% | 6,382 |
| Cash dividends to net income (ytd only)* | 64.4330% | 1,567 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5555% | 6,519 |
| Loan loss allowance to noncurrent loans | 63.2124% | 4,749 |
| Noncurrent assets plus other real estate owned to assets | 0.4492% | 4,894 |
| Noncurrent loans to loans | 0.8789% | 3,787 |
| Net loans and leases to total assets | 50.8298% | 4,983 |
| Net loans and leases to deposits | 57.3528% | 5,181 |
| Net loans and leases to core deposits | 64.6942% | 4,807 |
| Total domestic deposits to total assets | 88.6265% | 1,842 |
| Equity capital to assets | 9.2170% | 4,785 |
| Core capital (leverage) ratio | 10.0744% | 3,463 |
| Tier 1 risk-based capital ratio | 19.0784% | 1,894 |
| Total risk-based capital ratio | 19.6213% | 2,082 |
| Memoranda: | ||
| Average total assets | $85,091,800 | 5,109 |
| Average earning assets | $78,215,600 | 5,083 |
| Average equity | $8,616,200 | 5,188 |
| Average total loans | $41,377,000 | 5,290 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5236% | 2,144 |
| Cost of funding earning assets | 0.4276% | 4,520 |
| Net interest margin | 4.0960% | 1,648 |
| Noninterest income to average assets | 0.8011% | 2,141 |
| Noninterest expense to average assets | 3.4996% | 1,614 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.0634% | 2,140 |
| Return on assets (ROA) | 1.1309% | 1,954 |
| Pretax return on assets | 1.1309% | 2,979 |
| Return on Equity (ROE) | 10.9210% | 1,847 |
| Retained earnings to average equity (ytd only) | 7.0834% | 1,832 |
| Net charge-offs to loans | 0.0360% | 4,420 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 61.5297% | 741 |
| Efficiency ratio | 76.6954% | 2,615 |
| Assets per employee ($millions) | 2.6007% | 6,380 |
| Cash dividends to net income (ytd only)* | 35.1382% | 2,463 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5866% | 6,581 |
| Loan loss allowance to noncurrent loans | 184.3284% | 2,147 |
| Noncurrent assets plus other real estate owned to assets | 0.1561% | 5,971 |
| Noncurrent loans to loans | 0.3182% | 5,430 |
| Net loans and leases to total assets | 48.7777% | 5,265 |
| Net loans and leases to deposits | 55.3619% | 5,428 |
| Net loans and leases to core deposits | 62.5073% | 5,062 |
| Total domestic deposits to total assets | 88.1071% | 2,054 |
| Equity capital to assets | 9.7036% | 4,297 |
| Core capital (leverage) ratio | 10.3534% | 3,162 |
| Tier 1 risk-based capital ratio | 19.8648% | 1,764 |
| Total risk-based capital ratio | 20.4290% | 1,900 |
| Memoranda: | ||
| Average total assets | $84,882,750 | 5,167 |
| Average earning assets | $77,960,250 | 5,137 |
| Average equity | $8,790,250 | 5,192 |
| Average total loans | $40,741,000 | 5,363 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4679% | 2,317 |
| Cost of funding earning assets | 0.4427% | 4,510 |
| Net interest margin | 4.0253% | 1,775 |
| Noninterest income to average assets | 0.7781% | 2,287 |
| Noninterest expense to average assets | 3.4812% | 1,645 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.9956% | 2,347 |
| Return on assets (ROA) | 0.9956% | 2,488 |
| Pretax return on assets | 0.9956% | 3,528 |
| Return on Equity (ROE) | 9.4138% | 2,451 |
| Retained earnings to average equity (ytd only) | 5.6125% | 2,667 |
| Net charge-offs to loans | 0.0298% | 4,272 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 70.1667% | 638 |
| Efficiency ratio | 77.7602% | 2,500 |
| Assets per employee ($millions) | 2.4903% | 6,509 |
| Cash dividends to net income (ytd only)* | 40.3800% | 2,235 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6360% | 6,573 |
| Loan loss allowance to noncurrent loans | 171.4286% | 2,254 |
| Noncurrent assets plus other real estate owned to assets | 0.1736% | 5,981 |
| Noncurrent loans to loans | 0.3710% | 5,349 |
| Net loans and leases to total assets | 46.4964% | 5,479 |
| Net loans and leases to deposits | 51.5159% | 5,725 |
| Net loans and leases to core deposits | 58.0818% | 5,417 |
| Total domestic deposits to total assets | 90.2564% | 884 |
| Equity capital to assets | 9.4058% | 4,714 |
| Core capital (leverage) ratio | 9.9987% | 3,524 |
| Tier 1 risk-based capital ratio | 20.1856% | 1,681 |
| Total risk-based capital ratio | 20.7854% | 1,823 |
| Memoranda: | ||
| Average total assets | $84,569,000 | 5,207 |
| Average earning assets | $77,709,330 | 5,179 |
| Average equity | $8,944,330 | 5,184 |
| Average total loans | $40,284,670 | 5,414 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4765% | 2,251 |
| Cost of funding earning assets | 0.4791% | 4,288 |
| Net interest margin | 3.9974% | 1,797 |
| Noninterest income to average assets | 0.7572% | 2,306 |
| Noninterest expense to average assets | 3.5069% | 1,606 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.9229% | 2,557 |
| Return on assets (ROA) | 0.9229% | 2,697 |
| Pretax return on assets | 0.9229% | 3,679 |
| Return on Equity (ROE) | 8.2675% | 2,836 |
| Retained earnings to average equity (ytd only) | 4.7485% | 3,389 |
| Net charge-offs to loans | 0.0591% | 3,227 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 32.5000% | 924 |
| Efficiency ratio | 79.1667% | 2,447 |
| Assets per employee ($millions) | 2.5853% | 6,507 |
| Cash dividends to net income (ytd only)* | 42.5641% | 1,771 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6330% | 6,668 |
| Loan loss allowance to noncurrent loans | 115.0685% | 2,987 |
| Noncurrent assets plus other real estate owned to assets | 0.2567% | 5,799 |
| Noncurrent loans to loans | 0.5501% | 5,062 |
| Net loans and leases to total assets | 46.3699% | 5,401 |
| Net loans and leases to deposits | 52.2921% | 5,589 |
| Net loans and leases to core deposits | 59.0280% | 5,247 |
| Total domestic deposits to total assets | 88.6748% | 1,886 |
| Equity capital to assets | 10.9490% | 3,018 |
| Core capital (leverage) ratio | 9.8287% | 3,625 |
| Tier 1 risk-based capital ratio | 19.8562% | 1,811 |
| Total risk-based capital ratio | 20.4560% | 1,956 |
| Memoranda: | ||
| Average total assets | $84,518,000 | 5,248 |
| Average earning assets | $77,650,000 | 5,217 |
| Average equity | $9,434,500 | 5,125 |
| Average total loans | $40,616,500 | 5,436 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9371% | 1,725 |
| Cost of funding earning assets | 0.5660% | 4,680 |
| Net interest margin | 4.3711% | 1,228 |
| Noninterest income to average assets | 0.8308% | 2,123 |
| Noninterest expense to average assets | 3.6504% | 1,503 |
| Loan and lease loss provision to assets | 0.0409% | 5,349 |
| Net operating income to assets | 1.1326% | 1,830 |
| Return on assets (ROA) | 1.5054% | 997 |
| Pretax return on assets | 1.5054% | 1,657 |
| Return on Equity (ROE) | 13.2529% | 1,166 |
| Retained earnings to average equity (ytd only) | 5.7373% | 2,226 |
| Net charge-offs to loans | 0.0382% | 5,383 |
| Credit loss provision to net charge-offs | 226.6667% | 1,098 |
| Earnings coverage of net charge-offs (x) | 65.0667% | 554 |
| Efficiency ratio | 75.6730% | 2,808 |
| Assets per employee ($millions) | 2.5370% | 6,585 |
| Cash dividends to net income (ytd only)* | 56.7093% | 1,969 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6229% | 6,729 |
| Loan loss allowance to noncurrent loans | 111.2069% | 3,074 |
| Noncurrent assets plus other real estate owned to assets | 0.2771% | 5,858 |
| Noncurrent loans to loans | 0.5601% | 5,130 |
| Net loans and leases to total assets | 49.1663% | 5,283 |
| Net loans and leases to deposits | 55.6076% | 5,487 |
| Net loans and leases to core deposits | 63.3930% | 5,026 |
| Total domestic deposits to total assets | 88.4164% | 1,954 |
| Equity capital to assets | 11.3805% | 2,555 |
| Core capital (leverage) ratio | 9.8020% | 3,654 |
| Tier 1 risk-based capital ratio | 19.2403% | 1,881 |
| Total risk-based capital ratio | 19.8434% | 2,040 |
| Memoranda: | ||
| Average total assets | $83,168,400 | 5,270 |
| Average earning assets | $75,975,800 | 5,247 |
| Average equity | $9,447,000 | 5,120 |
| Average total loans | $39,238,800 | 5,541 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9852% | 1,723 |
| Cost of funding earning assets | 0.5803% | 4,836 |
| Net interest margin | 4.4049% | 1,192 |
| Noninterest income to average assets | 0.7820% | 2,324 |
| Noninterest expense to average assets | 3.6131% | 1,533 |
| Loan and lease loss provision to assets | 0.0273% | 5,439 |
| Net operating income to assets | 1.1642% | 1,851 |
| Return on assets (ROA) | 1.2509% | 1,738 |
| Pretax return on assets | 1.2509% | 2,784 |
| Return on Equity (ROE) | 11.0180% | 1,956 |
| Retained earnings to average equity (ytd only) | 7.4538% | 1,873 |
| Net charge-offs to loans | 0.0310% | 5,213 |
| Credit loss provision to net charge-offs | 188.8889% | 1,463 |
| Earnings coverage of net charge-offs (x) | 82.4425% | 500 |
| Efficiency ratio | 75.2005% | 2,793 |
| Assets per employee ($millions) | 2.5364% | 6,671 |
| Cash dividends to net income (ytd only)* | 32.3490% | 2,510 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6266% | 6,830 |
| Loan loss allowance to noncurrent loans | 144.4444% | 2,356 |
| Noncurrent assets plus other real estate owned to assets | 0.2342% | 6,114 |
| Noncurrent loans to loans | 0.4338% | 5,580 |
| Net loans and leases to total assets | 46.7982% | 5,679 |
| Net loans and leases to deposits | 53.4459% | 5,851 |
| Net loans and leases to core deposits | 61.8825% | 5,370 |
| Total domestic deposits to total assets | 87.5618% | 2,310 |
| Equity capital to assets | 11.8994% | 2,352 |
| Core capital (leverage) ratio | 9.8129% | 3,800 |
| Tier 1 risk-based capital ratio | 19.5679% | 1,861 |
| Total risk-based capital ratio | 20.1563% | 2,001 |
| Memoranda: | ||
| Average total assets | $83,030,000 | 5,322 |
| Average earning assets | $75,823,000 | 5,297 |
| Average equity | $9,426,750 | 5,172 |
| Average total loans | $38,693,250 | 5,629 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9922% | 1,807 |
| Cost of funding earning assets | 0.6069% | 4,844 |
| Net interest margin | 4.3853% | 1,242 |
| Noninterest income to average assets | 0.7246% | 2,533 |
| Noninterest expense to average assets | 3.6302% | 1,513 |
| Loan and lease loss provision to assets | 0.0411% | 5,158 |
| Net operating income to assets | 1.0676% | 2,174 |
| Return on assets (ROA) | 1.1497% | 2,092 |
| Pretax return on assets | 1.1497% | 3,120 |
| Return on Equity (ROE) | 10.2930% | 2,244 |
| Retained earnings to average equity (ytd only) | 6.6386% | 2,308 |
| Net charge-offs to loans | 0.0208% | 5,115 |
| Credit loss provision to net charge-offs | 425.0000% | 698 |
| Earnings coverage of net charge-offs (x) | 114.7500% | 378 |
| Efficiency ratio | 76.6055% | 2,653 |
| Assets per employee ($millions) | 2.5098% | 6,759 |
| Cash dividends to net income (ytd only)* | 35.5042% | 2,376 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6414% | 6,890 |
| Loan loss allowance to noncurrent loans | 124.7525% | 2,626 |
| Noncurrent assets plus other real estate owned to assets | 0.2741% | 6,095 |
| Noncurrent loans to loans | 0.5142% | 5,499 |
| Net loans and leases to total assets | 47.1318% | 5,703 |
| Net loans and leases to deposits | 53.4696% | 5,915 |
| Net loans and leases to core deposits | 61.9481% | 5,391 |
| Total domestic deposits to total assets | 88.1470% | 2,041 |
| Equity capital to assets | 11.5101% | 2,585 |
| Core capital (leverage) ratio | 9.6665% | 3,896 |
| Tier 1 risk-based capital ratio | 19.4493% | 1,866 |
| Total risk-based capital ratio | 20.0623% | 2,001 |
| Memoranda: | ||
| Average total assets | $82,806,000 | 5,357 |
| Average earning assets | $75,798,330 | 5,331 |
| Average equity | $9,249,000 | 5,213 |
| Average total loans | $38,451,670 | 5,668 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0371% | 1,770 |
| Cost of funding earning assets | 0.6343% | 4,857 |
| Net interest margin | 4.4028% | 1,222 |
| Noninterest income to average assets | 0.6715% | 2,807 |
| Noninterest expense to average assets | 3.5846% | 1,591 |
| Loan and lease loss provision to assets | 0.0725% | 4,496 |
| Net operating income to assets | 1.0387% | 2,331 |
| Return on assets (ROA) | 1.1111% | 2,213 |
| Pretax return on assets | 1.1111% | 3,281 |
| Return on Equity (ROE) | 10.1021% | 2,367 |
| Retained earnings to average equity (ytd only) | 6.3687% | 2,761 |
| Net charge-offs to loans | 0.0210% | 4,392 |
| Credit loss provision to net charge-offs | 750.0000% | 449 |
| Earnings coverage of net charge-offs (x) | 115.0000% | 306 |
| Efficiency ratio | 76.3374% | 2,737 |
| Assets per employee ($millions) | 2.5361% | 6,819 |
| Cash dividends to net income (ytd only)* | 36.9565% | 1,859 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6555% | 6,927 |
| Loan loss allowance to noncurrent loans | 120.0000% | 2,610 |
| Noncurrent assets plus other real estate owned to assets | 0.2509% | 6,259 |
| Noncurrent loans to loans | 0.5462% | 5,565 |
| Net loans and leases to total assets | 45.6369% | 5,825 |
| Net loans and leases to deposits | 51.4051% | 6,037 |
| Net loans and leases to core deposits | 59.3951% | 5,586 |
| Total domestic deposits to total assets | 88.7790% | 1,828 |
| Equity capital to assets | 10.9367% | 2,980 |
| Core capital (leverage) ratio | 9.5364% | 4,001 |
| Tier 1 risk-based capital ratio | 19.8214% | 1,752 |
| Total risk-based capital ratio | 20.4590% | 1,897 |
| Memoranda: | ||
| Average total assets | $82,797,500 | 5,390 |
| Average earning assets | $75,678,500 | 5,376 |
| Average equity | $9,107,000 | 5,258 |
| Average total loans | $38,033,500 | 5,730 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3647% | 1,513 |
| Cost of funding earning assets | 0.8636% | 4,366 |
| Net interest margin | 4.5012% | 1,127 |
| Noninterest income to average assets | 0.7314% | 2,433 |
| Noninterest expense to average assets | 3.5520% | 1,858 |
| Loan and lease loss provision to assets | 0.0611% | 5,847 |
| Net operating income to assets | 1.2235% | 1,451 |
| Return on assets (ROA) | 1.3505% | 1,231 |
| Pretax return on assets | 1.3505% | 1,951 |
| Return on Equity (ROE) | 13.1429% | 1,131 |
| Retained earnings to average equity (ytd only) | 5.7515% | 2,150 |
| Net charge-offs to loans | 0.0961% | 5,389 |
| Credit loss provision to net charge-offs | 138.8889% | 2,128 |
| Earnings coverage of net charge-offs (x) | 29.2222% | 858 |
| Efficiency ratio | 73.4411% | 3,317 |
| Assets per employee ($millions) | 2.4819% | 6,848 |
| Cash dividends to net income (ytd only)* | 56.2387% | 1,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6353% | 6,979 |
| Loan loss allowance to noncurrent loans | 89.5131% | 3,346 |
| Noncurrent assets plus other real estate owned to assets | 0.3260% | 6,160 |
| Noncurrent loans to loans | 0.7097% | 5,276 |
| Net loans and leases to total assets | 45.6412% | 6,040 |
| Net loans and leases to deposits | 51.4386% | 6,261 |
| Net loans and leases to core deposits | 62.1449% | 5,639 |
| Total domestic deposits to total assets | 88.7295% | 1,700 |
| Equity capital to assets | 11.0630% | 2,930 |
| Core capital (leverage) ratio | 9.4524% | 4,108 |
| Tier 1 risk-based capital ratio | 20.1547% | 1,603 |
| Total risk-based capital ratio | 20.7812% | 1,718 |
| Memoranda: | ||
| Average total assets | $81,896,400 | 5,408 |
| Average earning assets | $74,691,600 | 5,385 |
| Average equity | $8,415,200 | 5,433 |
| Average total loans | $37,458,800 | 5,814 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4068% | 1,491 |
| Cost of funding earning assets | 0.8895% | 4,476 |
| Net interest margin | 4.5173% | 1,102 |
| Noninterest income to average assets | 0.7066% | 2,564 |
| Noninterest expense to average assets | 3.4808% | 1,988 |
| Loan and lease loss provision to assets | 0.0570% | 5,728 |
| Net operating income to assets | 1.2862% | 1,418 |
| Return on assets (ROA) | 1.4555% | 1,111 |
| Pretax return on assets | 1.4555% | 1,770 |
| Return on Equity (ROE) | 14.4416% | 952 |
| Retained earnings to average equity (ytd only) | 10.4032% | 747 |
| Net charge-offs to loans | 0.1069% | 4,933 |
| Credit loss provision to net charge-offs | 116.6667% | 2,799 |
| Earnings coverage of net charge-offs (x) | 27.4993% | 990 |
| Efficiency ratio | 72.1566% | 3,524 |
| Assets per employee ($millions) | 2.4925% | 6,896 |
| Cash dividends to net income (ytd only)* | 27.9646% | 2,575 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6107% | 7,068 |
| Loan loss allowance to noncurrent loans | 270.5882% | 1,145 |
| Noncurrent assets plus other real estate owned to assets | 0.1337% | 6,710 |
| Noncurrent loans to loans | 0.2257% | 6,423 |
| Net loans and leases to total assets | 45.5066% | 6,188 |
| Net loans and leases to deposits | 51.5082% | 6,402 |
| Net loans and leases to core deposits | 63.9857% | 5,612 |
| Total domestic deposits to total assets | 88.3483% | 1,843 |
| Equity capital to assets | 11.2250% | 2,943 |
| Core capital (leverage) ratio | 9.5538% | 4,070 |
| Tier 1 risk-based capital ratio | 20.2435% | 1,629 |
| Total risk-based capital ratio | 20.8368% | 1,759 |
| Memoranda: | ||
| Average total assets | $81,894,500 | 5,441 |
| Average earning assets | $74,645,250 | 5,429 |
| Average equity | $8,253,750 | 5,525 |
| Average total loans | $37,418,250 | 5,865 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4306% | 1,474 |
| Cost of funding earning assets | 0.9141% | 4,554 |
| Net interest margin | 4.5165% | 1,096 |
| Noninterest income to average assets | 0.6970% | 2,572 |
| Noninterest expense to average assets | 3.4240% | 2,198 |
| Loan and lease loss provision to assets | 0.0489% | 5,701 |
| Net operating income to assets | 1.3329% | 1,233 |
| Return on assets (ROA) | 1.3329% | 1,308 |
| Pretax return on assets | 1.3329% | 2,027 |
| Return on Equity (ROE) | 13.7499% | 1,031 |
| Retained earnings to average equity (ytd only) | 9.5871% | 940 |
| Net charge-offs to loans | 0.0054% | 5,801 |
| Credit loss provision to net charge-offs | 2,000.0000% | 165 |
| Earnings coverage of net charge-offs (x) | 565.0000% | 56 |
| Efficiency ratio | 71.2468% | 3,890 |
| Assets per employee ($millions) | 2.6411% | 6,732 |
| Cash dividends to net income (ytd only)* | 30.2752% | 2,473 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6580% | 7,078 |
| Loan loss allowance to noncurrent loans | 161.5894% | 1,843 |
| Noncurrent assets plus other real estate owned to assets | 0.1787% | 6,653 |
| Noncurrent loans to loans | 0.4072% | 6,089 |
| Net loans and leases to total assets | 43.5887% | 6,467 |
| Net loans and leases to deposits | 48.7359% | 6,684 |
| Net loans and leases to core deposits | 63.0438% | 5,806 |
| Total domestic deposits to total assets | 89.4386% | 1,271 |
| Equity capital to assets | 10.2219% | 3,856 |
| Core capital (leverage) ratio | 9.1349% | 4,513 |
| Tier 1 risk-based capital ratio | 19.2395% | 1,771 |
| Total risk-based capital ratio | 19.8584% | 1,928 |
| Memoranda: | ||
| Average total assets | $81,774,670 | 5,488 |
| Average earning assets | $74,393,330 | 5,482 |
| Average equity | $7,927,330 | 5,636 |
| Average total loans | $37,337,330 | 5,925 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5042% | 1,284 |
| Cost of funding earning assets | 0.9383% | 4,662 |
| Net interest margin | 4.5659% | 925 |
| Noninterest income to average assets | 0.7363% | 2,343 |
| Noninterest expense to average assets | 3.4127% | 2,242 |
| Loan and lease loss provision to assets | 0.0249% | 5,650 |
| Net operating income to assets | 1.4626% | 952 |
| Return on assets (ROA) | 1.4626% | 991 |
| Pretax return on assets | 1.4626% | 1,561 |
| Return on Equity (ROE) | 15.5319% | 733 |
| Retained earnings to average equity (ytd only) | 11.1471% | 874 |
| Net charge-offs to loans | -0.0107% | 6,383 |
| Credit loss provision to net charge-offs | -500.0000% | 5,952 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6447% | 4,348 |
| Assets per employee ($millions) | 2.5724% | 6,880 |
| Cash dividends to net income (ytd only)* | 28.2313% | 2,039 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6247% | 7,175 |
| Loan loss allowance to noncurrent loans | 165.0000% | 1,778 |
| Noncurrent assets plus other real estate owned to assets | 0.1701% | 6,736 |
| Noncurrent loans to loans | 0.3786% | 6,239 |
| Net loans and leases to total assets | 44.6402% | 6,411 |
| Net loans and leases to deposits | 49.4669% | 6,658 |
| Net loans and leases to core deposits | 62.0542% | 5,917 |
| Total domestic deposits to total assets | 90.2425% | 991 |
| Equity capital to assets | 9.4830% | 4,459 |
| Core capital (leverage) ratio | 9.1314% | 4,395 |
| Tier 1 risk-based capital ratio | 18.8305% | 1,858 |
| Total risk-based capital ratio | 19.4170% | 2,030 |
| Memoranda: | ||
| Average total assets | $80,404,500 | 5,582 |
| Average earning assets | $73,326,000 | 5,561 |
| Average equity | $7,571,500 | 5,752 |
| Average total loans | $37,464,500 | 5,970 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6335% | 1,787 |
| Cost of funding earning assets | 1.1750% | 4,700 |
| Net interest margin | 4.4584% | 1,327 |
| Noninterest income to average assets | 0.7759% | 2,400 |
| Noninterest expense to average assets | 3.4100% | 2,414 |
| Loan and lease loss provision to assets | 0.0815% | 6,333 |
| Net operating income to assets | 1.3681% | 1,010 |
| Return on assets (ROA) | 1.4192% | 977 |
| Pretax return on assets | 1.4192% | 1,599 |
| Return on Equity (ROE) | 15.0530% | 712 |
| Retained earnings to average equity (ytd only) | 7.1847% | 1,249 |
| Net charge-offs to loans | 0.1186% | 5,698 |
| Credit loss provision to net charge-offs | 152.2727% | 2,357 |
| Earnings coverage of net charge-offs (x) | 27.0909% | 803 |
| Efficiency ratio | 70.1702% | 4,141 |
| Assets per employee ($millions) | 2.7067% | 6,674 |
| Cash dividends to net income (ytd only)* | 52.2708% | 1,971 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5929% | 7,274 |
| Loan loss allowance to noncurrent loans | 91.8367% | 3,110 |
| Noncurrent assets plus other real estate owned to assets | 0.3121% | 6,463 |
| Noncurrent loans to loans | 0.6456% | 5,764 |
| Net loans and leases to total assets | 48.0642% | 6,385 |
| Net loans and leases to deposits | 53.3598% | 6,655 |
| Net loans and leases to core deposits | 66.0649% | 5,870 |
| Total domestic deposits to total assets | 90.0755% | 1,052 |
| Equity capital to assets | 9.3473% | 4,621 |
| Core capital (leverage) ratio | 8.9780% | 4,584 |
| Tier 1 risk-based capital ratio | 18.1857% | 1,943 |
| Total risk-based capital ratio | 18.7536% | 2,138 |
| Memoranda: | ||
| Average total assets | $82,228,400 | 5,522 |
| Average earning assets | $75,317,800 | 5,498 |
| Average equity | $7,752,600 | 5,790 |
| Average total loans | $37,112,600 | 6,062 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5989% | 2,068 |
| Cost of funding earning assets | 1.2201% | 4,742 |
| Net interest margin | 4.3788% | 1,590 |
| Noninterest income to average assets | 0.7455% | 2,545 |
| Noninterest expense to average assets | 3.3171% | 2,523 |
| Loan and lease loss provision to assets | 0.0914% | 6,124 |
| Net operating income to assets | 1.3532% | 1,212 |
| Return on assets (ROA) | 1.3980% | 1,179 |
| Pretax return on assets | 1.3980% | 1,883 |
| Return on Equity (ROE) | 14.7984% | 896 |
| Retained earnings to average equity (ytd only) | 10.7594% | 639 |
| Net charge-offs to loans | 0.1481% | 5,123 |
| Credit loss provision to net charge-offs | 139.0244% | 2,866 |
| Earnings coverage of net charge-offs (x) | 21.9737% | 1,115 |
| Efficiency ratio | 69.6633% | 4,141 |
| Assets per employee ($millions) | 2.6250% | 6,894 |
| Cash dividends to net income (ytd only)* | 27.2939% | 2,656 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5890% | 7,363 |
| Loan loss allowance to noncurrent loans | 215.8416% | 1,349 |
| Noncurrent assets plus other real estate owned to assets | 0.1241% | 7,048 |
| Noncurrent loans to loans | 0.2729% | 6,641 |
| Net loans and leases to total assets | 45.2122% | 6,757 |
| Net loans and leases to deposits | 50.7616% | 6,963 |
| Net loans and leases to core deposits | 63.6478% | 6,325 |
| Total domestic deposits to total assets | 89.0678% | 1,360 |
| Equity capital to assets | 10.4517% | 3,573 |
| Core capital (leverage) ratio | 8.8812% | 4,875 |
| Tier 1 risk-based capital ratio | 18.6677% | 1,828 |
| Total risk-based capital ratio | 19.2264% | 1,993 |
| Memoranda: | ||
| Average total assets | $83,162,250 | 5,561 |
| Average earning assets | $76,275,000 | 5,539 |
| Average equity | $7,856,500 | 5,839 |
| Average total loans | $36,902,750 | 6,153 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5349% | 2,387 |
| Cost of funding earning assets | 1.2785% | 4,663 |
| Net interest margin | 4.2564% | 1,934 |
| Noninterest income to average assets | 0.6304% | 3,127 |
| Noninterest expense to average assets | 3.2618% | 2,689 |
| Loan and lease loss provision to assets | 0.1003% | 5,906 |
| Net operating income to assets | 1.1796% | 1,614 |
| Return on assets (ROA) | 1.2464% | 1,496 |
| Pretax return on assets | 1.2464% | 2,267 |
| Return on Equity (ROE) | 13.6643% | 1,107 |
| Retained earnings to average equity (ytd only) | 9.6069% | 942 |
| Net charge-offs to loans | 0.2061% | 4,379 |
| Credit loss provision to net charge-offs | 110.5263% | 3,678 |
| Earnings coverage of net charge-offs (x) | 14.1053% | 1,544 |
| Efficiency ratio | 71.8191% | 3,848 |
| Assets per employee ($millions) | 2.6530% | 6,855 |
| Cash dividends to net income (ytd only)* | 29.6935% | 2,518 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5597% | 7,459 |
| Loan loss allowance to noncurrent loans | 198.0769% | 1,431 |
| Noncurrent assets plus other real estate owned to assets | 0.1225% | 7,087 |
| Noncurrent loans to loans | 0.2826% | 6,668 |
| Net loans and leases to total assets | 43.1111% | 6,977 |
| Net loans and leases to deposits | 47.8625% | 7,167 |
| Net loans and leases to core deposits | 61.2091% | 6,622 |
| Total domestic deposits to total assets | 90.0727% | 891 |
| Equity capital to assets | 9.5268% | 4,663 |
| Core capital (leverage) ratio | 8.3492% | 5,669 |
| Tier 1 risk-based capital ratio | 17.8549% | 1,996 |
| Total risk-based capital ratio | 18.3792% | 2,185 |
| Memoranda: | ||
| Average total assets | $83,758,330 | 5,571 |
| Average earning assets | $76,966,000 | 5,552 |
| Average equity | $7,640,330 | 5,913 |
| Average total loans | $36,867,330 | 6,197 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5527% | 2,354 |
| Cost of funding earning assets | 1.3502% | 4,496 |
| Net interest margin | 4.2025% | 2,030 |
| Noninterest income to average assets | 0.6539% | 2,907 |
| Noninterest expense to average assets | 3.2985% | 2,535 |
| Loan and lease loss provision to assets | 0.0577% | 6,080 |
| Net operating income to assets | 1.1588% | 1,652 |
| Return on assets (ROA) | 1.1588% | 1,729 |
| Pretax return on assets | 1.1588% | 2,517 |
| Return on Equity (ROE) | 12.9980% | 1,255 |
| Retained earnings to average equity (ytd only) | 9.1148% | 1,368 |
| Net charge-offs to loans | 0.3686% | 2,935 |
| Credit loss provision to net charge-offs | 35.2941% | 4,736 |
| Earnings coverage of net charge-offs (x) | 7.4412% | 2,090 |
| Efficiency ratio | 73.0564% | 3,747 |
| Assets per employee ($millions) | 2.7372% | 6,785 |
| Cash dividends to net income (ytd only)* | 29.8755% | 2,025 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4958% | 7,591 |
| Loan loss allowance to noncurrent loans | 45.8015% | 5,292 |
| Noncurrent assets plus other real estate owned to assets | 0.4631% | 6,313 |
| Noncurrent loans to loans | 1.0824% | 5,189 |
| Net loans and leases to total assets | 42.5755% | 7,088 |
| Net loans and leases to deposits | 46.9237% | 7,284 |
| Net loans and leases to core deposits | 59.8883% | 6,760 |
| Total domestic deposits to total assets | 90.7335% | 644 |
| Equity capital to assets | 8.8752% | 5,439 |
| Core capital (leverage) ratio | 8.0836% | 6,114 |
| Tier 1 risk-based capital ratio | 17.5521% | 2,061 |
| Total risk-based capital ratio | 18.0156% | 2,308 |
| Memoranda: | ||
| Average total assets | $83,189,000 | 5,659 |
| Average earning assets | $76,431,000 | 5,626 |
| Average equity | $7,416,500 | 6,049 |
| Average total loans | $36,898,000 | 6,268 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8770% | 2,339 |
| Cost of funding earning assets | 1.6496% | 4,796 |
| Net interest margin | 4.2274% | 1,981 |
| Noninterest income to average assets | 0.6919% | 3,032 |
| Noninterest expense to average assets | 3.4076% | 2,649 |
| Loan and lease loss provision to assets | 0.0334% | 7,197 |
| Net operating income to assets | 1.1392% | 1,414 |
| Return on assets (ROA) | 1.2046% | 1,283 |
| Pretax return on assets | 1.2046% | 1,937 |
| Return on Equity (ROE) | 13.7471% | 830 |
| Retained earnings to average equity (ytd only) | 6.1756% | 1,283 |
| Net charge-offs to loans | 0.1760% | 5,542 |
| Credit loss provision to net charge-offs | 42.1875% | 6,812 |
| Earnings coverage of net charge-offs (x) | 14.8281% | 1,347 |
| Efficiency ratio | 74.3998% | 3,808 |
| Assets per employee ($millions) | 2.5476% | 7,126 |
| Cash dividends to net income (ytd only)* | 55.0769% | 2,235 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5388% | 7,633 |
| Loan loss allowance to noncurrent loans | 44.6903% | 5,422 |
| Noncurrent assets plus other real estate owned to assets | 0.5544% | 6,066 |
| Noncurrent loans to loans | 1.2057% | 4,933 |
| Net loans and leases to total assets | 45.7375% | 7,005 |
| Net loans and leases to deposits | 50.4396% | 7,239 |
| Net loans and leases to core deposits | 81.6462% | 5,943 |
| Total domestic deposits to total assets | 90.6776% | 666 |
| Equity capital to assets | 8.9569% | 5,212 |
| Core capital (leverage) ratio | 7.8493% | 6,389 |
| Tier 1 risk-based capital ratio | 16.4485% | 2,342 |
| Total risk-based capital ratio | 16.9483% | 2,583 |
| Memoranda: | ||
| Average total assets | $80,936,800 | 5,703 |
| Average earning assets | $74,442,800 | 5,658 |
| Average equity | $7,092,400 | 6,240 |
| Average total loans | $36,364,400 | 6,287 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8432% | 2,692 |
| Cost of funding earning assets | 1.6984% | 4,908 |
| Net interest margin | 4.1447% | 2,232 |
| Noninterest income to average assets | 0.6684% | 3,230 |
| Noninterest expense to average assets | 3.3716% | 2,662 |
| Loan and lease loss provision to assets | 0.0231% | 7,124 |
| Net operating income to assets | 1.0876% | 1,777 |
| Return on assets (ROA) | 1.1750% | 1,583 |
| Pretax return on assets | 1.1750% | 2,340 |
| Return on Equity (ROE) | 13.4845% | 1,014 |
| Retained earnings to average equity (ytd only) | 8.9960% | 838 |
| Net charge-offs to loans | 0.2328% | 4,600 |
| Credit loss provision to net charge-offs | 22.2222% | 6,555 |
| Earnings coverage of net charge-offs (x) | 10.6823% | 1,934 |
| Efficiency ratio | 75.2209% | 3,654 |
| Assets per employee ($millions) | 2.7029% | 6,845 |
| Cash dividends to net income (ytd only)* | 33.2863% | 2,742 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5101% | 7,699 |
| Loan loss allowance to noncurrent loans | 121.7949% | 2,337 |
| Noncurrent assets plus other real estate owned to assets | 0.3110% | 6,704 |
| Noncurrent loans to loans | 0.4188% | 6,498 |
| Net loans and leases to total assets | 42.8451% | 7,317 |
| Net loans and leases to deposits | 49.9145% | 7,413 |
| Net loans and leases to core deposits | 81.5537% | 6,228 |
| Total domestic deposits to total assets | 85.8370% | 2,789 |
| Equity capital to assets | 8.9337% | 5,584 |
| Core capital (leverage) ratio | 7.8453% | 6,563 |
| Tier 1 risk-based capital ratio | 16.3172% | 2,509 |
| Total risk-based capital ratio | 16.7810% | 2,747 |
| Memoranda: | ||
| Average total assets | $80,790,000 | 5,734 |
| Average earning assets | $74,341,500 | 5,705 |
| Average equity | $7,040,000 | 6,304 |
| Average total loans | $36,083,250 | 6,344 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8622% | 2,749 |
| Cost of funding earning assets | 1.7636% | 4,937 |
| Net interest margin | 4.0986% | 2,328 |
| Noninterest income to average assets | 0.6769% | 3,137 |
| Noninterest expense to average assets | 3.3744% | 2,704 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.0673% | 1,884 |
| Return on assets (ROA) | 1.2017% | 1,555 |
| Pretax return on assets | 1.2017% | 2,296 |
| Return on Equity (ROE) | 13.9187% | 1,007 |
| Retained earnings to average equity (ytd only) | 9.3672% | 844 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.9703% | 3,695 |
| Assets per employee ($millions) | 2.6621% | 6,921 |
| Cash dividends to net income (ytd only)* | 32.7004% | 2,736 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6540% | 7,538 |
| Loan loss allowance to noncurrent loans | 174.4526% | 1,710 |
| Noncurrent assets plus other real estate owned to assets | 0.2935% | 6,739 |
| Noncurrent loans to loans | 0.3749% | 6,577 |
| Net loans and leases to total assets | 42.6162% | 7,411 |
| Net loans and leases to deposits | 49.1944% | 7,515 |
| Net loans and leases to core deposits | 78.9110% | 6,489 |
| Total domestic deposits to total assets | 86.6281% | 2,446 |
| Equity capital to assets | 8.1293% | 6,596 |
| Core capital (leverage) ratio | 7.9801% | 6,370 |
| Tier 1 risk-based capital ratio | 16.1533% | 2,566 |
| Total risk-based capital ratio | 16.7446% | 2,746 |
| Memoranda: | ||
| Average total assets | $78,889,000 | 5,837 |
| Average earning assets | $72,463,670 | 5,812 |
| Average equity | $6,811,000 | 6,438 |
| Average total loans | $35,695,000 | 6,424 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0670% | 2,084 |
| Cost of funding earning assets | 1.8628% | 4,816 |
| Net interest margin | 4.2042% | 1,882 |
| Noninterest income to average assets | 0.6232% | 3,397 |
| Noninterest expense to average assets | 3.4645% | 2,187 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.0087% | 2,274 |
| Return on assets (ROA) | 1.0087% | 2,417 |
| Pretax return on assets | 1.0087% | 3,319 |
| Return on Equity (ROE) | 11.3118% | 1,877 |
| Retained earnings to average equity (ytd only) | 7.2846% | 2,103 |
| Net charge-offs to loans | -0.0113% | 7,303 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.4498% | 3,263 |
| Assets per employee ($millions) | 2.6023% | 7,098 |
| Cash dividends to net income (ytd only)* | 35.6021% | 2,178 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6725% | 7,524 |
| Loan loss allowance to noncurrent loans | 521.7391% | 671 |
| Noncurrent assets plus other real estate owned to assets | 0.0570% | 7,430 |
| Noncurrent loans to loans | 0.1289% | 7,150 |
| Net loans and leases to total assets | 43.9395% | 7,342 |
| Net loans and leases to deposits | 51.8838% | 7,408 |
| Net loans and leases to core deposits | 80.1909% | 6,369 |
| Total domestic deposits to total assets | 84.6882% | 3,371 |
| Equity capital to assets | 8.6463% | 5,848 |
| Core capital (leverage) ratio | 8.2053% | 6,090 |
| Tier 1 risk-based capital ratio | 16.3167% | 2,577 |
| Total risk-based capital ratio | 16.9350% | 2,724 |
| Memoranda: | ||
| Average total assets | $75,740,500 | 5,955 |
| Average earning assets | $69,358,500 | 5,932 |
| Average equity | $6,754,000 | 6,498 |
| Average total loans | $35,271,500 | 6,474 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5285% | 2,818 |
| Cost of funding earning assets | 2.2835% | 5,233 |
| Net interest margin | 4.2451% | 2,131 |
| Noninterest income to average assets | 0.8430% | 2,277 |
| Noninterest expense to average assets | 3.7313% | 1,890 |
| Loan and lease loss provision to assets | 0.0147% | 7,194 |
| Net operating income to assets | 0.9457% | 2,807 |
| Return on assets (ROA) | 0.9706% | 2,569 |
| Pretax return on assets | 0.9706% | 3,484 |
| Return on Equity (ROE) | 10.8799% | 1,944 |
| Retained earnings to average equity (ytd only) | 4.1745% | 2,531 |
| Net charge-offs to loans | 0.2962% | 3,418 |
| Credit loss provision to net charge-offs | 9.1743% | 6,626 |
| Earnings coverage of net charge-offs (x) | 6.0092% | 3,463 |
| Efficiency ratio | 79.5313% | 2,666 |
| Assets per employee ($millions) | 2.2842% | 7,587 |
| Cash dividends to net income (ytd only)* | 61.6314% | 2,595 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6857% | 7,466 |
| Loan loss allowance to noncurrent loans | 185.2713% | 2,084 |
| Noncurrent assets plus other real estate owned to assets | 0.1906% | 6,799 |
| Noncurrent loans to loans | 0.3701% | 6,251 |
| Net loans and leases to total assets | 48.8879% | 7,114 |
| Net loans and leases to deposits | 55.1804% | 7,374 |
| Net loans and leases to core deposits | 83.7377% | 6,312 |
| Total domestic deposits to total assets | 88.5964% | 1,204 |
| Equity capital to assets | 9.2260% | 5,040 |
| Core capital (leverage) ratio | 8.9002% | 4,887 |
| Tier 1 risk-based capital ratio | 17.0525% | 2,291 |
| Total risk-based capital ratio | 17.7088% | 2,435 |
| Memoranda: | ||
| Average total assets | $68,206,600 | 6,084 |
| Average earning assets | $61,836,200 | 6,093 |
| Average equity | $6,084,600 | 6,776 |
| Average total loans | $36,797,000 | 6,327 |