Home > Commercial Bank of Mott > Performance and Condition Ratios
Commercial Bank of Mott, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3628% | 2,377 |
| Cost of funding earning assets | 2.2513% | 1,310 |
| Net interest margin | 3.1115% | 3,200 |
| Noninterest income to average assets | 0.0900% | 4,163 |
| Noninterest expense to average assets | 1.4152% | 4,259 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | 1.6410% | 829 |
| Return on assets (ROA) | 1.6823% | 769 |
| Pretax return on assets | 1.6823% | 1,141 |
| Return on Equity (ROE) | 16.1200% | 878 |
| Retained earnings to average equity (ytd only) | -12.9007% | 4,302 |
| Net charge-offs to loans | 0.0000% | 2,326 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 46.3063% | 4,086 |
| Assets per employee ($millions) | 16.3144% | 171 |
| Cash dividends to net income (ytd only)* | 180.0327% | 178 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9509% | 3,445 |
| Loan loss allowance to noncurrent loans | 440.7563% | 1,256 |
| Noncurrent assets plus other real estate owned to assets | 0.1621% | 2,696 |
| Noncurrent loans to loans | 0.2157% | 2,727 |
| Net loans and leases to total assets | 74.4200% | 1,283 |
| Net loans and leases to deposits | 97.3452% | 540 |
| Net loans and leases to core deposits | 118.2612% | 601 |
| Total domestic deposits to total assets | 76.4500% | 3,943 |
| Equity capital to assets | 10.3562% | 2,005 |
| Core capital (leverage) ratio | 11.5381% | 1,696 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $145,276,000 | 3,397 |
| Average earning assets | $138,584,500 | 3,352 |
| Average equity | $15,162,000 | 3,358 |
| Average total loans | $108,851,000 | 3,128 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3207% | 2,490 |
| Cost of funding earning assets | 2.4936% | 1,162 |
| Net interest margin | 2.8271% | 3,440 |
| Noninterest income to average assets | 0.0900% | 4,243 |
| Noninterest expense to average assets | 1.3490% | 4,330 |
| Loan and lease loss provision to assets | 0.0700% | 1,825 |
| Net operating income to assets | 1.3596% | 1,151 |
| Return on assets (ROA) | 1.3828% | 1,102 |
| Pretax return on assets | 1.3828% | 1,550 |
| Return on Equity (ROE) | 13.7500% | 1,178 |
| Retained earnings to average equity (ytd only) | 6.0653% | 1,805 |
| Net charge-offs to loans | -0.0084% | 3,995 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 48.6076% | 4,060 |
| Assets per employee ($millions) | 15.9691% | 183 |
| Cash dividends to net income (ytd only)* | 55.8943% | 1,370 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9769% | 3,348 |
| Loan loss allowance to noncurrent loans | 201.3436% | 2,162 |
| Noncurrent assets plus other real estate owned to assets | 0.3625% | 1,832 |
| Noncurrent loans to loans | 0.4852% | 1,872 |
| Net loans and leases to total assets | 73.9900% | 1,401 |
| Net loans and leases to deposits | 103.6374% | 327 |
| Net loans and leases to core deposits | 126.6940% | 430 |
| Total domestic deposits to total assets | 71.3900% | 4,175 |
| Equity capital to assets | 10.5189% | 1,819 |
| Core capital (leverage) ratio | 11.8258% | 1,517 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $142,324,600 | 3,425 |
| Average earning assets | $134,945,600 | 3,384 |
| Average equity | $14,310,800 | 3,385 |
| Average total loans | $106,623,200 | 3,151 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2700% | 2,518 |
| Cost of funding earning assets | 2.4401% | 1,281 |
| Net interest margin | 2.8298% | 3,402 |
| Noninterest income to average assets | 0.0900% | 4,255 |
| Noninterest expense to average assets | 1.2509% | 4,382 |
| Loan and lease loss provision to assets | 0.0600% | 1,841 |
| Net operating income to assets | 1.4631% | 985 |
| Return on assets (ROA) | 1.4847% | 956 |
| Pretax return on assets | 1.4847% | 1,332 |
| Return on Equity (ROE) | 14.9400% | 967 |
| Retained earnings to average equity (ytd only) | 4.5454% | 2,641 |
| Net charge-offs to loans | -0.0025% | 3,739 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 45.0761% | 4,196 |
| Assets per employee ($millions) | 16.4670% | 170 |
| Cash dividends to net income (ytd only)* | 69.5762% | 703 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9070% | 3,636 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,813 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,861 |
| Noncurrent loans to loans | 0.0000% | 3,830 |
| Net loans and leases to total assets | 74.6000% | 1,285 |
| Net loans and leases to deposits | 110.0117% | 179 |
| Net loans and leases to core deposits | 133.1054% | 343 |
| Total domestic deposits to total assets | 67.8100% | 4,273 |
| Equity capital to assets | 10.3392% | 2,080 |
| Core capital (leverage) ratio | 11.2352% | 1,901 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $141,975,250 | 3,432 |
| Average earning assets | $134,469,750 | 3,399 |
| Average equity | $14,109,000 | 3,408 |
| Average total loans | $106,433,500 | 3,151 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1845% | 2,588 |
| Cost of funding earning assets | 2.2411% | 1,564 |
| Net interest margin | 2.9434% | 3,171 |
| Noninterest income to average assets | 0.1000% | 4,231 |
| Noninterest expense to average assets | 1.1880% | 4,414 |
| Loan and lease loss provision to assets | 0.0600% | 1,720 |
| Net operating income to assets | 1.6440% | 746 |
| Return on assets (ROA) | 1.6641% | 721 |
| Pretax return on assets | 1.6641% | 1,036 |
| Return on Equity (ROE) | 16.9900% | 719 |
| Retained earnings to average equity (ytd only) | 0.9340% | 3,617 |
| Net charge-offs to loans | -0.0019% | 3,625 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 41.1183% | 4,337 |
| Assets per employee ($millions) | 15.9098% | 175 |
| Cash dividends to net income (ytd only)* | 94.5017% | 440 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9099% | 3,665 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,808 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,854 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 74.9900% | 1,294 |
| Net loans and leases to deposits | 104.7925% | 344 |
| Net loans and leases to core deposits | 125.6647% | 496 |
| Total domestic deposits to total assets | 71.5600% | 4,188 |
| Equity capital to assets | 9.8381% | 2,179 |
| Core capital (leverage) ratio | 11.6002% | 1,665 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9020% | 2,287 |
| Memoranda: | ||
| Average total assets | $139,899,333 | 3,463 |
| Average earning assets | $132,703,333 | 3,422 |
| Average equity | $13,704,333 | 3,426 |
| Average total loans | $104,719,333 | 3,168 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9018% | 2,975 |
| Cost of funding earning assets | 2.1243% | 1,728 |
| Net interest margin | 2.7775% | 3,409 |
| Noninterest income to average assets | 0.1200% | 4,125 |
| Noninterest expense to average assets | 1.2672% | 4,419 |
| Loan and lease loss provision to assets | 0.1200% | 864 |
| Net operating income to assets | 1.3685% | 1,113 |
| Return on assets (ROA) | 1.3772% | 1,106 |
| Pretax return on assets | 1.3772% | 1,484 |
| Return on Equity (ROE) | 14.0900% | 1,129 |
| Retained earnings to average equity (ytd only) | -18.4711% | 4,427 |
| Net charge-offs to loans | -0.0039% | 3,658 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 46.0568% | 4,176 |
| Assets per employee ($millions) | 15.2709% | 202 |
| Cash dividends to net income (ytd only)* | 231.0924% | 123 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9585% | 3,495 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,825 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,894 |
| Noncurrent loans to loans | 0.0000% | 3,844 |
| Net loans and leases to total assets | 74.1300% | 1,318 |
| Net loans and leases to deposits | 91.5903% | 1,082 |
| Net loans and leases to core deposits | 108.7434% | 996 |
| Total domestic deposits to total assets | 80.9400% | 3,386 |
| Equity capital to assets | 9.6247% | 2,241 |
| Core capital (leverage) ratio | 11.3469% | 1,739 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9542% | 1,902 |
| Memoranda: | ||
| Average total assets | $138,255,000 | 3,488 |
| Average earning assets | $131,054,500 | 3,456 |
| Average equity | $13,513,000 | 3,455 |
| Average total loans | $102,894,500 | 3,191 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8156% | 2,446 |
| Cost of funding earning assets | 1.7639% | 1,314 |
| Net interest margin | 3.0518% | 3,175 |
| Noninterest income to average assets | 0.1000% | 4,288 |
| Noninterest expense to average assets | 1.4308% | 4,374 |
| Loan and lease loss provision to assets | 0.0900% | 1,416 |
| Net operating income to assets | 1.4523% | 1,118 |
| Return on assets (ROA) | 1.4661% | 1,057 |
| Pretax return on assets | 1.4661% | 1,496 |
| Return on Equity (ROE) | 15.1400% | 1,260 |
| Retained earnings to average equity (ytd only) | 6.4355% | 2,080 |
| Net charge-offs to loans | 0.0010% | 2,835 |
| Credit loss provision to net charge-offs | 11,500.0000% | 49 |
| Earnings coverage of net charge-offs (x) | 2,010.0000% | 75 |
| Efficiency ratio | 48.1558% | 4,082 |
| Assets per employee ($millions) | 15.4524% | 189 |
| Cash dividends to net income (ytd only)* | 57.5013% | 1,295 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9182% | 3,655 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 73.3200% | 1,439 |
| Net loans and leases to deposits | 99.2390% | 578 |
| Net loans and leases to core deposits | 118.7320% | 664 |
| Total domestic deposits to total assets | 73.8900% | 4,112 |
| Equity capital to assets | 9.9215% | 2,052 |
| Core capital (leverage) ratio | 11.6555% | 1,573 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1693% | 2,184 |
| Memoranda: | ||
| Average total assets | $130,485,600 | 3,549 |
| Average earning assets | $122,912,000 | 3,518 |
| Average equity | $12,633,000 | 3,471 |
| Average total loans | $95,750,400 | 3,219 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7017% | 2,472 |
| Cost of funding earning assets | 1.5742% | 1,420 |
| Net interest margin | 3.1275% | 3,088 |
| Noninterest income to average assets | 0.1000% | 4,299 |
| Noninterest expense to average assets | 1.3350% | 4,432 |
| Loan and lease loss provision to assets | 0.1200% | 978 |
| Net operating income to assets | 1.5916% | 951 |
| Return on assets (ROA) | 1.6051% | 928 |
| Pretax return on assets | 1.6051% | 1,344 |
| Return on Equity (ROE) | 16.6900% | 1,134 |
| Retained earnings to average equity (ytd only) | 4.8074% | 3,000 |
| Net charge-offs to loans | 0.0014% | 2,552 |
| Credit loss provision to net charge-offs | 11,500.0000% | 42 |
| Earnings coverage of net charge-offs (x) | 1,647.0000% | 86 |
| Efficiency ratio | 43.8267% | 4,238 |
| Assets per employee ($millions) | 14.8624% | 208 |
| Cash dividends to net income (ytd only)* | 71.1974% | 623 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9463% | 3,573 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 73.9500% | 1,345 |
| Net loans and leases to deposits | 99.4071% | 544 |
| Net loans and leases to core deposits | 118.3420% | 593 |
| Total domestic deposits to total assets | 74.3900% | 4,133 |
| Equity capital to assets | 9.4242% | 2,143 |
| Core capital (leverage) ratio | 11.7927% | 1,531 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $128,339,000 | 3,580 |
| Average earning assets | $121,031,250 | 3,543 |
| Average equity | $12,341,750 | 3,497 |
| Average total loans | $93,958,500 | 3,244 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4379% | 2,796 |
| Cost of funding earning assets | 1.3272% | 1,638 |
| Net interest margin | 3.1107% | 3,203 |
| Noninterest income to average assets | 0.1000% | 4,323 |
| Noninterest expense to average assets | 1.3325% | 4,458 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.6976% | 784 |
| Return on assets (ROA) | 1.7102% | 765 |
| Pretax return on assets | 1.7102% | 1,189 |
| Return on Equity (ROE) | 17.6600% | 992 |
| Retained earnings to average equity (ytd only) | -0.2938% | 4,140 |
| Net charge-offs to loans | 0.0043% | 2,136 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 537.0000% | 273 |
| Efficiency ratio | 43.9750% | 4,254 |
| Assets per employee ($millions) | 14.5158% | 214 |
| Cash dividends to net income (ytd only)* | 101.6636% | 312 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8637% | 3,869 |
| Loan loss allowance to noncurrent loans | 179.0497% | 2,724 |
| Noncurrent assets plus other real estate owned to assets | 0.3544% | 1,497 |
| Noncurrent loans to loans | 0.4824% | 1,508 |
| Net loans and leases to total assets | 72.8300% | 1,428 |
| Net loans and leases to deposits | 96.6354% | 697 |
| Net loans and leases to core deposits | 114.3528% | 675 |
| Total domestic deposits to total assets | 75.3700% | 4,095 |
| Equity capital to assets | 9.5214% | 2,144 |
| Core capital (leverage) ratio | 11.8931% | 1,430 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $126,531,333 | 3,609 |
| Average earning assets | $119,201,333 | 3,580 |
| Average equity | $12,253,667 | 3,515 |
| Average total loans | $91,991,333 | 3,271 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3799% | 2,609 |
| Cost of funding earning assets | 1.1214% | 1,691 |
| Net interest margin | 3.2585% | 2,972 |
| Noninterest income to average assets | 0.1000% | 4,366 |
| Noninterest expense to average assets | 1.4428% | 4,435 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.7256% | 782 |
| Return on assets (ROA) | 1.7353% | 760 |
| Pretax return on assets | 1.7353% | 1,204 |
| Return on Equity (ROE) | 17.7600% | 1,058 |
| Retained earnings to average equity (ytd only) | -18.4195% | 4,584 |
| Net charge-offs to loans | 0.0089% | 1,610 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 268.5000% | 405 |
| Efficiency ratio | 45.5375% | 4,246 |
| Assets per employee ($millions) | 13.7980% | 256 |
| Cash dividends to net income (ytd only)* | 203.7037% | 141 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9254% | 3,787 |
| Loan loss allowance to noncurrent loans | 179.0497% | 2,775 |
| Noncurrent assets plus other real estate owned to assets | 0.3728% | 1,383 |
| Noncurrent loans to loans | 0.5168% | 1,433 |
| Net loans and leases to total assets | 71.4700% | 1,475 |
| Net loans and leases to deposits | 83.7801% | 1,516 |
| Net loans and leases to core deposits | 97.7844% | 1,190 |
| Total domestic deposits to total assets | 85.3100% | 2,773 |
| Equity capital to assets | 9.8525% | 1,898 |
| Core capital (leverage) ratio | 11.7340% | 1,437 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $124,476,000 | 3,676 |
| Average earning assets | $117,355,000 | 3,640 |
| Average equity | $12,161,000 | 3,556 |
| Average total loans | $89,996,000 | 3,333 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6056% | 2,790 |
| Cost of funding earning assets | 0.8327% | 349 |
| Net interest margin | 2.7729% | 3,938 |
| Noninterest income to average assets | 0.1800% | 4,071 |
| Noninterest expense to average assets | 1.4386% | 4,481 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.3298% | 1,338 |
| Return on assets (ROA) | 1.3386% | 1,275 |
| Pretax return on assets | 1.3386% | 1,964 |
| Return on Equity (ROE) | 13.5300% | 1,647 |
| Retained earnings to average equity (ytd only) | 5.4491% | 2,853 |
| Net charge-offs to loans | -0.0012% | 3,369 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 51.9642% | 3,982 |
| Assets per employee ($millions) | 13.8633% | 252 |
| Cash dividends to net income (ytd only)* | 59.7372% | 970 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9192% | 3,702 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 71.7900% | 1,441 |
| Net loans and leases to deposits | 90.7679% | 995 |
| Net loans and leases to core deposits | 106.8224% | 718 |
| Total domestic deposits to total assets | 79.1000% | 3,991 |
| Equity capital to assets | 9.6874% | 1,895 |
| Core capital (leverage) ratio | 12.1823% | 1,203 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $125,052,200 | 3,687 |
| Average earning assets | $116,846,000 | 3,655 |
| Average equity | $12,369,000 | 3,637 |
| Average total loans | $86,675,200 | 3,320 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4855% | 2,662 |
| Cost of funding earning assets | 0.7638% | 185 |
| Net interest margin | 2.7217% | 3,885 |
| Noninterest income to average assets | 0.1800% | 4,105 |
| Noninterest expense to average assets | 1.3448% | 4,553 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.3736% | 1,159 |
| Return on assets (ROA) | 1.3821% | 1,108 |
| Pretax return on assets | 1.3821% | 1,771 |
| Return on Equity (ROE) | 13.9000% | 1,456 |
| Retained earnings to average equity (ytd only) | 3.1833% | 3,729 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 49.4708% | 4,190 |
| Assets per employee ($millions) | 13.8008% | 251 |
| Cash dividends to net income (ytd only)* | 77.1010% | 463 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9118% | 3,820 |
| Loan loss allowance to noncurrent loans | 1,804.3478% | 620 |
| Noncurrent assets plus other real estate owned to assets | 0.0370% | 3,546 |
| Noncurrent loans to loans | 0.0505% | 3,512 |
| Net loans and leases to total assets | 72.6200% | 1,218 |
| Net loans and leases to deposits | 88.5327% | 997 |
| Net loans and leases to core deposits | 103.1341% | 693 |
| Total domestic deposits to total assets | 82.0300% | 3,837 |
| Equity capital to assets | 9.0711% | 2,162 |
| Core capital (leverage) ratio | 11.5760% | 1,412 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $125,122,750 | 3,711 |
| Average earning assets | $116,785,750 | 3,686 |
| Average equity | $12,439,500 | 3,660 |
| Average total loans | $85,742,000 | 3,346 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2936% | 2,763 |
| Cost of funding earning assets | 0.7133% | 147 |
| Net interest margin | 2.5803% | 3,942 |
| Noninterest income to average assets | 0.1228% | 4,382 |
| Noninterest expense to average assets | 1.3665% | 4,554 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.1672% | 1,548 |
| Return on assets (ROA) | 1.1752% | 1,496 |
| Pretax return on assets | 1.1752% | 2,150 |
| Return on Equity (ROE) | 11.4884% | 1,837 |
| Retained earnings to average equity (ytd only) | -4.0997% | 4,503 |
| Net charge-offs to loans | -0.0048% | 3,322 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.9333% | 3,972 |
| Assets per employee ($millions) | 13.8378% | 242 |
| Cash dividends to net income (ytd only)* | 135.6852% | 177 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9528% | 3,788 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 69.4476% | 1,349 |
| Net loans and leases to deposits | 83.9872% | 1,121 |
| Net loans and leases to core deposits | 98.3210% | 750 |
| Total domestic deposits to total assets | 82.6883% | 3,917 |
| Equity capital to assets | 9.5303% | 1,996 |
| Core capital (leverage) ratio | 11.1597% | 1,516 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $125,428,000 | 3,751 |
| Average earning assets | $117,196,000 | 3,733 |
| Average equity | $12,830,333 | 3,697 |
| Average total loans | $83,980,000 | 3,401 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0844% | 3,024 |
| Cost of funding earning assets | 0.7022% | 152 |
| Net interest margin | 2.3822% | 4,103 |
| Noninterest income to average assets | 0.1208% | 4,403 |
| Noninterest expense to average assets | 1.4141% | 4,526 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.9597% | 2,034 |
| Return on assets (ROA) | 0.9629% | 2,024 |
| Pretax return on assets | 0.9629% | 2,569 |
| Return on Equity (ROE) | 9.1053% | 2,281 |
| Retained earnings to average equity (ytd only) | -20.9451% | 4,709 |
| Net charge-offs to loans | -0.0049% | 3,332 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5716% | 3,528 |
| Assets per employee ($millions) | 13.0332% | 311 |
| Cash dividends to net income (ytd only)* | 330.0330% | 85 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0376% | 3,569 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 60.8837% | 1,971 |
| Net loans and leases to deposits | 71.1075% | 1,857 |
| Net loans and leases to core deposits | 83.7212% | 1,257 |
| Total domestic deposits to total assets | 85.6221% | 3,373 |
| Equity capital to assets | 9.4628% | 2,316 |
| Core capital (leverage) ratio | 10.2537% | 2,055 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $125,872,000 | 3,760 |
| Average earning assets | $119,050,500 | 3,726 |
| Average equity | $13,311,000 | 3,728 |
| Average total loans | $82,309,000 | 3,430 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7924% | 1,886 |
| Cost of funding earning assets | 0.7897% | 214 |
| Net interest margin | 3.0027% | 3,186 |
| Noninterest income to average assets | 0.1219% | 4,525 |
| Noninterest expense to average assets | 1.5682% | 4,463 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.4192% | 1,218 |
| Return on assets (ROA) | 1.4225% | 1,271 |
| Pretax return on assets | 1.4225% | 1,970 |
| Return on Equity (ROE) | 11.3014% | 2,051 |
| Retained earnings to average equity (ytd only) | 3.2290% | 3,537 |
| Net charge-offs to loans | -0.0210% | 4,002 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.4943% | 4,081 |
| Assets per employee ($millions) | 12.1412% | 382 |
| Cash dividends to net income (ytd only)* | 71.4286% | 695 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9854% | 3,806 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 68.8589% | 1,166 |
| Net loans and leases to deposits | 82.9955% | 986 |
| Net loans and leases to core deposits | 97.4564% | 639 |
| Total domestic deposits to total assets | 82.9671% | 3,812 |
| Equity capital to assets | 11.7690% | 1,360 |
| Core capital (leverage) ratio | 11.9198% | 1,118 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $118,098,800 | 3,822 |
| Average earning assets | $112,698,400 | 3,782 |
| Average equity | $14,865,400 | 3,650 |
| Average total loans | $80,868,800 | 3,469 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9567% | 1,631 |
| Cost of funding earning assets | 0.8099% | 232 |
| Net interest margin | 3.1468% | 2,913 |
| Noninterest income to average assets | 0.1171% | 4,592 |
| Noninterest expense to average assets | 1.4689% | 4,623 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.6520% | 914 |
| Return on assets (ROA) | 1.6554% | 953 |
| Pretax return on assets | 1.6554% | 1,535 |
| Return on Equity (ROE) | 12.9337% | 1,713 |
| Retained earnings to average equity (ytd only) | 2.2741% | 4,117 |
| Net charge-offs to loans | -0.0333% | 4,180 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.0674% | 4,439 |
| Assets per employee ($millions) | 11.5430% | 427 |
| Cash dividends to net income (ytd only)* | 82.4176% | 356 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0301% | 3,738 |
| Loan loss allowance to noncurrent loans | 1,226.4706% | 687 |
| Noncurrent assets plus other real estate owned to assets | 0.0589% | 3,729 |
| Noncurrent loans to loans | 0.0840% | 3,664 |
| Net loans and leases to total assets | 69.4152% | 1,142 |
| Net loans and leases to deposits | 84.7159% | 915 |
| Net loans and leases to core deposits | 100.4639% | 570 |
| Total domestic deposits to total assets | 81.9388% | 3,939 |
| Equity capital to assets | 12.2117% | 1,305 |
| Core capital (leverage) ratio | 11.7409% | 1,255 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $117,270,500 | 3,877 |
| Average earning assets | $111,942,750 | 3,831 |
| Average equity | $15,009,500 | 3,681 |
| Average total loans | $79,977,250 | 3,527 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3692% | 3,268 |
| Cost of funding earning assets | 0.8188% | 271 |
| Net interest margin | 2.5504% | 4,247 |
| Noninterest income to average assets | 0.9183% | 1,223 |
| Noninterest expense to average assets | 1.4554% | 4,670 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.8959% | 595 |
| Return on assets (ROA) | 1.8976% | 620 |
| Pretax return on assets | 1.8976% | 1,023 |
| Return on Equity (ROE) | 14.4746% | 1,290 |
| Retained earnings to average equity (ytd only) | -1.0339% | 4,606 |
| Net charge-offs to loans | -0.0476% | 4,351 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.4277% | 4,647 |
| Assets per employee ($millions) | 11.9634% | 355 |
| Cash dividends to net income (ytd only)* | 107.1429% | 225 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0182% | 3,762 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 67.6890% | 1,488 |
| Net loans and leases to deposits | 80.5697% | 1,372 |
| Net loans and leases to core deposits | 92.5739% | 969 |
| Total domestic deposits to total assets | 84.0129% | 3,439 |
| Equity capital to assets | 11.5193% | 1,619 |
| Core capital (leverage) ratio | 10.8361% | 1,702 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $118,045,333 | 3,878 |
| Average earning assets | $112,609,333 | 3,831 |
| Average equity | $15,475,333 | 3,635 |
| Average total loans | $79,811,000 | 3,554 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3878% | 3,231 |
| Cost of funding earning assets | 0.8487% | 284 |
| Net interest margin | 2.5390% | 4,247 |
| Noninterest income to average assets | 1.1394% | 935 |
| Noninterest expense to average assets | 1.5795% | 4,566 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.9787% | 586 |
| Return on assets (ROA) | 1.9787% | 629 |
| Pretax return on assets | 1.9787% | 981 |
| Return on Equity (ROE) | 14.2135% | 1,392 |
| Retained earnings to average equity (ytd only) | -15.1938% | 4,883 |
| Net charge-offs to loans | -0.0102% | 3,670 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.3912% | 4,557 |
| Assets per employee ($millions) | 10.9947% | 448 |
| Cash dividends to net income (ytd only)* | 206.8966% | 108 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0238% | 3,756 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 65.3098% | 1,895 |
| Net loans and leases to deposits | 76.9142% | 1,810 |
| Net loans and leases to core deposits | 88.9123% | 1,295 |
| Total domestic deposits to total assets | 84.9126% | 3,136 |
| Equity capital to assets | 13.1468% | 872 |
| Core capital (leverage) ratio | 12.7234% | 914 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $117,251,000 | 3,889 |
| Average earning assets | $111,695,500 | 3,848 |
| Average equity | $16,322,500 | 3,578 |
| Average total loans | $78,810,500 | 3,581 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4801% | 1,364 |
| Cost of funding earning assets | 1.0159% | 562 |
| Net interest margin | 3.4642% | 2,582 |
| Noninterest income to average assets | 0.1857% | 4,362 |
| Noninterest expense to average assets | 1.7049% | 4,616 |
| Loan and lease loss provision to assets | 0.0401% | 3,901 |
| Net operating income to assets | 1.6876% | 517 |
| Return on assets (ROA) | 1.7467% | 478 |
| Pretax return on assets | 1.7467% | 773 |
| Return on Equity (ROE) | 11.8619% | 1,359 |
| Retained earnings to average equity (ytd only) | 1.6628% | 3,967 |
| Net charge-offs to loans | 0.2151% | 811 |
| Credit loss provision to net charge-offs | 24.5810% | 3,231 |
| Earnings coverage of net charge-offs (x) | 10.6034% | 2,449 |
| Efficiency ratio | 49.6685% | 4,554 |
| Assets per employee ($millions) | 10.3236% | 481 |
| Cash dividends to net income (ytd only)* | 85.9823% | 491 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0460% | 3,700 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 67.8082% | 1,849 |
| Net loans and leases to deposits | 82.4832% | 1,600 |
| Net loans and leases to core deposits | 96.4769% | 1,094 |
| Total domestic deposits to total assets | 82.2085% | 3,622 |
| Equity capital to assets | 14.7455% | 619 |
| Core capital (leverage) ratio | 13.8115% | 717 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $109,862,600 | 3,883 |
| Average earning assets | $102,966,400 | 3,860 |
| Average equity | $16,177,800 | 3,534 |
| Average total loans | $83,204,200 | 3,504 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6344% | 1,221 |
| Cost of funding earning assets | 1.0296% | 690 |
| Net interest margin | 3.6048% | 2,261 |
| Noninterest income to average assets | 0.2570% | 3,944 |
| Noninterest expense to average assets | 1.6425% | 4,690 |
| Loan and lease loss provision to assets | 0.0542% | 3,673 |
| Net operating income to assets | 1.9289% | 345 |
| Return on assets (ROA) | 1.9742% | 345 |
| Pretax return on assets | 1.9742% | 542 |
| Return on Equity (ROE) | 13.4112% | 1,001 |
| Retained earnings to average equity (ytd only) | -0.3076% | 4,529 |
| Net charge-offs to loans | 0.2838% | 557 |
| Credit loss provision to net charge-offs | 24.4444% | 2,970 |
| Earnings coverage of net charge-offs (x) | 9.0000% | 2,455 |
| Efficiency ratio | 45.3072% | 4,746 |
| Assets per employee ($millions) | 9.9738% | 508 |
| Cash dividends to net income (ytd only)* | 102.2939% | 291 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9425% | 3,919 |
| Loan loss allowance to noncurrent loans | 241.9643% | 1,905 |
| Noncurrent assets plus other real estate owned to assets | 0.3063% | 2,935 |
| Noncurrent loans to loans | 0.3895% | 2,897 |
| Net loans and leases to total assets | 77.8803% | 842 |
| Net loans and leases to deposits | 96.0811% | 755 |
| Net loans and leases to core deposits | 113.2624% | 587 |
| Total domestic deposits to total assets | 81.0568% | 3,648 |
| Equity capital to assets | 15.0202% | 631 |
| Core capital (leverage) ratio | 14.4379% | 639 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $108,938,250 | 3,888 |
| Average earning assets | $101,787,750 | 3,867 |
| Average equity | $16,036,000 | 3,547 |
| Average total loans | $84,551,000 | 3,510 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6554% | 1,522 |
| Cost of funding earning assets | 1.0196% | 927 |
| Net interest margin | 3.6357% | 2,360 |
| Noninterest income to average assets | 0.2356% | 4,065 |
| Noninterest expense to average assets | 1.5090% | 4,841 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 2.1715% | 232 |
| Return on assets (ROA) | 2.2396% | 232 |
| Pretax return on assets | 2.2396% | 339 |
| Return on Equity (ROE) | 15.3194% | 665 |
| Retained earnings to average equity (ytd only) | -5.4505% | 4,790 |
| Net charge-offs to loans | 0.4310% | 372 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 6.5193% | 2,430 |
| Efficiency ratio | 41.0000% | 4,892 |
| Assets per employee ($millions) | 9.7754% | 539 |
| Cash dividends to net income (ytd only)* | 135.5793% | 255 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8853% | 4,058 |
| Loan loss allowance to noncurrent loans | 541.5493% | 951 |
| Noncurrent assets plus other real estate owned to assets | 0.1321% | 3,866 |
| Noncurrent loans to loans | 0.1635% | 3,798 |
| Net loans and leases to total assets | 80.0696% | 588 |
| Net loans and leases to deposits | 96.7502% | 741 |
| Net loans and leases to core deposits | 107.0804% | 850 |
| Total domestic deposits to total assets | 82.7591% | 3,159 |
| Equity capital to assets | 14.9532% | 626 |
| Core capital (leverage) ratio | 13.9940% | 749 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $108,680,333 | 3,885 |
| Average earning assets | $102,978,000 | 3,855 |
| Average equity | $15,888,333 | 3,561 |
| Average total loans | $83,982,333 | 3,519 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8108% | 1,390 |
| Cost of funding earning assets | 1.0458% | 1,237 |
| Net interest margin | 3.7650% | 2,099 |
| Noninterest income to average assets | 0.1794% | 4,471 |
| Noninterest expense to average assets | 1.3619% | 4,981 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 2.3761% | 135 |
| Return on assets (ROA) | 2.3761% | 150 |
| Pretax return on assets | 2.3761% | 208 |
| Return on Equity (ROE) | 16.4377% | 386 |
| Retained earnings to average equity (ytd only) | -25.3530% | 5,010 |
| Net charge-offs to loans | 0.4943% | 293 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 6.3627% | 1,990 |
| Efficiency ratio | 36.4349% | 5,025 |
| Assets per employee ($millions) | 10.0581% | 375 |
| Cash dividends to net income (ytd only)* | 254.2373% | 204 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0197% | 3,599 |
| Loan loss allowance to noncurrent loans | 145.0342% | 2,609 |
| Noncurrent assets plus other real estate owned to assets | 0.5278% | 2,407 |
| Noncurrent loans to loans | 0.7031% | 2,242 |
| Net loans and leases to total assets | 74.3129% | 1,559 |
| Net loans and leases to deposits | 88.5284% | 1,690 |
| Net loans and leases to core deposits | 97.3490% | 1,696 |
| Total domestic deposits to total assets | 83.9424% | 2,806 |
| Equity capital to assets | 13.9047% | 1,091 |
| Core capital (leverage) ratio | 13.2820% | 1,109 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $109,256,000 | 3,853 |
| Average earning assets | $103,268,000 | 3,832 |
| Average equity | $15,793,000 | 3,573 |
| Average total loans | $82,540,000 | 3,544 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5331% | 529 |
| Cost of funding earning assets | 1.1263% | 1,236 |
| Net interest margin | 4.4068% | 883 |
| Noninterest income to average assets | 0.1388% | 4,780 |
| Noninterest expense to average assets | 1.8164% | 4,756 |
| Loan and lease loss provision to assets | 0.1180% | 1,794 |
| Net operating income to assets | 2.3082% | 184 |
| Return on assets (ROA) | 2.3130% | 195 |
| Pretax return on assets | 2.3130% | 302 |
| Return on Equity (ROE) | 16.1665% | 519 |
| Retained earnings to average equity (ytd only) | 6.2686% | 1,734 |
| Net charge-offs to loans | 0.0024% | 3,610 |
| Credit loss provision to net charge-offs | 6,250.0000% | 69 |
| Earnings coverage of net charge-offs (x) | 1,285.0000% | 75 |
| Efficiency ratio | 42.8126% | 5,012 |
| Assets per employee ($millions) | 9.8066% | 378 |
| Cash dividends to net income (ytd only)* | 61.2245% | 1,513 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1571% | 2,658 |
| Loan loss allowance to noncurrent loans | 31,633.3333% | 28 |
| Noncurrent assets plus other real estate owned to assets | 0.0028% | 4,677 |
| Noncurrent loans to loans | 0.0037% | 4,590 |
| Net loans and leases to total assets | 75.1486% | 1,560 |
| Net loans and leases to deposits | 90.7447% | 1,510 |
| Net loans and leases to core deposits | 103.4256% | 1,279 |
| Total domestic deposits to total assets | 82.8131% | 3,265 |
| Equity capital to assets | 15.0195% | 787 |
| Core capital (leverage) ratio | 14.8575% | 719 |
| Tier 1 risk-based capital ratio | 18.3343% | 1,684 |
| Total risk-based capital ratio | 19.4372% | 1,668 |
| Memoranda: | ||
| Average total assets | $105,924,800 | 3,898 |
| Average earning assets | $98,643,200 | 3,898 |
| Average equity | $15,154,800 | 3,626 |
| Average total loans | $84,443,000 | 3,519 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6071% | 491 |
| Cost of funding earning assets | 1.1353% | 1,221 |
| Net interest margin | 4.4718% | 820 |
| Noninterest income to average assets | 0.1189% | 4,919 |
| Noninterest expense to average assets | 1.7071% | 4,915 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 2.5708% | 147 |
| Return on assets (ROA) | 2.5759% | 152 |
| Pretax return on assets | 2.5759% | 215 |
| Return on Equity (ROE) | 18.2363% | 373 |
| Retained earnings to average equity (ytd only) | 4.8075% | 2,984 |
| Net charge-offs to loans | 0.0047% | 3,231 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 677.6500% | 146 |
| Efficiency ratio | 39.9054% | 5,129 |
| Assets per employee ($millions) | 9.8457% | 365 |
| Cash dividends to net income (ytd only)* | 73.6378% | 839 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9419% | 3,858 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 79.9175% | 856 |
| Net loans and leases to deposits | 104.1803% | 402 |
| Net loans and leases to core deposits | 117.1345% | 623 |
| Total domestic deposits to total assets | 76.7107% | 4,554 |
| Equity capital to assets | 14.6653% | 935 |
| Core capital (leverage) ratio | 14.2312% | 924 |
| Tier 1 risk-based capital ratio | 15.9543% | 2,443 |
| Total risk-based capital ratio | 16.8091% | 2,559 |
| Memoranda: | ||
| Average total assets | $105,437,750 | 3,951 |
| Average earning assets | $98,063,000 | 3,940 |
| Average equity | $14,893,000 | 3,682 |
| Average total loans | $85,050,250 | 3,544 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5581% | 510 |
| Cost of funding earning assets | 1.0714% | 1,415 |
| Net interest margin | 4.4867% | 794 |
| Noninterest income to average assets | 0.1225% | 4,957 |
| Noninterest expense to average assets | 1.6864% | 4,987 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 2.6205% | 135 |
| Return on assets (ROA) | 2.6263% | 138 |
| Pretax return on assets | 2.6263% | 204 |
| Return on Equity (ROE) | 18.8423% | 327 |
| Retained earnings to average equity (ytd only) | -1.7579% | 4,893 |
| Net charge-offs to loans | 0.0119% | 2,713 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 273.8000% | 295 |
| Efficiency ratio | 39.1556% | 5,179 |
| Assets per employee ($millions) | 10.0930% | 324 |
| Cash dividends to net income (ytd only)* | 109.3294% | 319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9231% | 3,993 |
| Loan loss allowance to noncurrent loans | 3,569.5652% | 199 |
| Noncurrent assets plus other real estate owned to assets | 0.0207% | 4,679 |
| Noncurrent loans to loans | 0.0259% | 4,594 |
| Net loans and leases to total assets | 79.3736% | 989 |
| Net loans and leases to deposits | 106.2606% | 330 |
| Net loans and leases to core deposits | 117.7422% | 617 |
| Total domestic deposits to total assets | 74.6971% | 4,787 |
| Equity capital to assets | 13.5891% | 1,286 |
| Core capital (leverage) ratio | 13.9138% | 991 |
| Tier 1 risk-based capital ratio | 16.0642% | 2,383 |
| Total risk-based capital ratio | 16.9616% | 2,480 |
| Memoranda: | ||
| Average total assets | $104,482,670 | 3,994 |
| Average earning assets | $97,444,000 | 3,979 |
| Average equity | $14,563,000 | 3,712 |
| Average total loans | $84,275,000 | 3,577 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4458% | 571 |
| Cost of funding earning assets | 1.0153% | 1,503 |
| Net interest margin | 4.4305% | 844 |
| Noninterest income to average assets | 0.1265% | 4,975 |
| Noninterest expense to average assets | 1.7389% | 4,980 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 2.5609% | 145 |
| Return on assets (ROA) | 2.5649% | 153 |
| Pretax return on assets | 2.5649% | 225 |
| Return on Equity (ROE) | 18.1526% | 384 |
| Retained earnings to average equity (ytd only) | -23.8025% | 5,280 |
| Net charge-offs to loans | 0.0049% | 2,530 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 648.0000% | 105 |
| Efficiency ratio | 40.4412% | 5,202 |
| Assets per employee ($millions) | 9.3506% | 419 |
| Cash dividends to net income (ytd only)* | 231.1248% | 139 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9915% | 3,765 |
| Loan loss allowance to noncurrent loans | 27,533.3333% | 34 |
| Noncurrent assets plus other real estate owned to assets | 0.0029% | 4,879 |
| Noncurrent loans to loans | 0.0036% | 4,790 |
| Net loans and leases to total assets | 80.1900% | 812 |
| Net loans and leases to deposits | 95.5437% | 1,013 |
| Net loans and leases to core deposits | 104.5029% | 1,278 |
| Total domestic deposits to total assets | 83.9301% | 3,069 |
| Equity capital to assets | 13.7890% | 1,111 |
| Core capital (leverage) ratio | 13.6054% | 1,058 |
| Tier 1 risk-based capital ratio | 16.3590% | 2,315 |
| Total risk-based capital ratio | 17.3260% | 2,351 |
| Memoranda: | ||
| Average total assets | $101,212,500 | 4,089 |
| Average earning assets | $95,340,000 | 4,053 |
| Average equity | $14,301,000 | 3,760 |
| Average total loans | $81,940,500 | 3,654 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1760% | 729 |
| Cost of funding earning assets | 0.8621% | 1,255 |
| Net interest margin | 4.3138% | 1,114 |
| Noninterest income to average assets | 0.1799% | 4,826 |
| Noninterest expense to average assets | 1.8710% | 4,931 |
| Loan and lease loss provision to assets | 0.1561% | 1,337 |
| Net operating income to assets | 2.2169% | 243 |
| Return on assets (ROA) | 2.2199% | 236 |
| Pretax return on assets | 2.2199% | 343 |
| Return on Equity (ROE) | 16.1116% | 609 |
| Retained earnings to average equity (ytd only) | 6.0103% | 2,191 |
| Net charge-offs to loans | 0.0338% | 2,725 |
| Credit loss provision to net charge-offs | 581.4815% | 610 |
| Earnings coverage of net charge-offs (x) | 88.4074% | 804 |
| Efficiency ratio | 44.0853% | 5,176 |
| Assets per employee ($millions) | 9.0516% | 458 |
| Cash dividends to net income (ytd only)* | 62.6959% | 1,372 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0264% | 3,514 |
| Loan loss allowance to noncurrent loans | 104.4192% | 3,347 |
| Noncurrent assets plus other real estate owned to assets | 0.7954% | 1,753 |
| Noncurrent loans to loans | 0.9829% | 1,653 |
| Net loans and leases to total assets | 80.0930% | 929 |
| Net loans and leases to deposits | 97.2062% | 959 |
| Net loans and leases to core deposits | 105.8987% | 1,276 |
| Total domestic deposits to total assets | 82.3949% | 3,520 |
| Equity capital to assets | 14.4816% | 846 |
| Core capital (leverage) ratio | 14.3037% | 842 |
| Tier 1 risk-based capital ratio | 17.4242% | 1,914 |
| Total risk-based capital ratio | 18.4232% | 1,950 |
| Memoranda: | ||
| Average total assets | $100,590,200 | 4,089 |
| Average earning assets | $94,765,000 | 4,049 |
| Average equity | $13,859,600 | 3,767 |
| Average total loans | $79,773,200 | 3,673 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0601% | 821 |
| Cost of funding earning assets | 0.8172% | 1,251 |
| Net interest margin | 4.2429% | 1,253 |
| Noninterest income to average assets | 0.1917% | 4,827 |
| Noninterest expense to average assets | 1.7915% | 5,045 |
| Loan and lease loss provision to assets | 0.0754% | 2,452 |
| Net operating income to assets | 2.3335% | 209 |
| Return on assets (ROA) | 2.3349% | 207 |
| Pretax return on assets | 2.3349% | 318 |
| Return on Equity (ROE) | 17.1622% | 527 |
| Retained earnings to average equity (ytd only) | 3.5568% | 3,988 |
| Net charge-offs to loans | 0.0452% | 2,195 |
| Credit loss provision to net charge-offs | 211.1111% | 1,327 |
| Earnings coverage of net charge-offs (x) | 67.4797% | 979 |
| Efficiency ratio | 42.6503% | 5,257 |
| Assets per employee ($millions) | 9.4284% | 387 |
| Cash dividends to net income (ytd only)* | 79.2751% | 592 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8509% | 4,455 |
| Loan loss allowance to noncurrent loans | 36.1194% | 4,648 |
| Noncurrent assets plus other real estate owned to assets | 1.9381% | 559 |
| Noncurrent loans to loans | 2.3558% | 573 |
| Net loans and leases to total assets | 81.5682% | 782 |
| Net loans and leases to deposits | 107.1649% | 387 |
| Net loans and leases to core deposits | 117.6186% | 652 |
| Total domestic deposits to total assets | 76.1146% | 4,777 |
| Equity capital to assets | 13.3119% | 1,206 |
| Core capital (leverage) ratio | 13.6209% | 1,052 |
| Tier 1 risk-based capital ratio | 16.0439% | 2,434 |
| Total risk-based capital ratio | 16.8784% | 2,531 |
| Memoranda: | ||
| Average total assets | $100,845,750 | 4,128 |
| Average earning assets | $95,278,250 | 4,092 |
| Average equity | $13,719,750 | 3,818 |
| Average total loans | $79,573,000 | 3,706 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9179% | 976 |
| Cost of funding earning assets | 0.7545% | 1,352 |
| Net interest margin | 4.1634% | 1,369 |
| Noninterest income to average assets | 0.2182% | 4,715 |
| Noninterest expense to average assets | 1.7880% | 5,113 |
| Loan and lease loss provision to assets | 0.0601% | 2,702 |
| Net operating income to assets | 2.3145% | 199 |
| Return on assets (ROA) | 2.3165% | 191 |
| Pretax return on assets | 2.3165% | 315 |
| Return on Equity (ROE) | 16.9016% | 537 |
| Retained earnings to average equity (ytd only) | -3.5498% | 5,238 |
| Net charge-offs to loans | 0.0026% | 3,107 |
| Credit loss provision to net charge-offs | 3,000.0000% | 134 |
| Earnings coverage of net charge-offs (x) | 1,186.0000% | 65 |
| Efficiency ratio | 42.9533% | 5,311 |
| Assets per employee ($millions) | 7.6855% | 711 |
| Cash dividends to net income (ytd only)* | 121.0026% | 231 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8796% | 4,423 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 81.7670% | 733 |
| Net loans and leases to deposits | 101.0739% | 727 |
| Net loans and leases to core deposits | 110.2467% | 980 |
| Total domestic deposits to total assets | 80.8982% | 4,022 |
| Equity capital to assets | 13.7311% | 1,020 |
| Core capital (leverage) ratio | 13.8196% | 954 |
| Tier 1 risk-based capital ratio | 16.4805% | 2,262 |
| Total risk-based capital ratio | 17.3495% | 2,341 |
| Memoranda: | ||
| Average total assets | $99,890,330 | 4,176 |
| Average earning assets | $94,634,000 | 4,134 |
| Average equity | $13,691,000 | 3,841 |
| Average total loans | $77,656,670 | 3,759 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7420% | 1,204 |
| Cost of funding earning assets | 0.7376% | 1,253 |
| Net interest margin | 4.0043% | 1,716 |
| Noninterest income to average assets | 0.1121% | 5,284 |
| Noninterest expense to average assets | 1.8502% | 5,103 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 2.0665% | 322 |
| Return on assets (ROA) | 2.0665% | 322 |
| Pretax return on assets | 2.0665% | 510 |
| Return on Equity (ROE) | 15.0910% | 790 |
| Retained earnings to average equity (ytd only) | -25.8536% | 5,539 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.2393% | 5,226 |
| Assets per employee ($millions) | 8.3549% | 551 |
| Cash dividends to net income (ytd only)* | 271.3178% | 96 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9049% | 4,427 |
| Loan loss allowance to noncurrent loans | 310.7143% | 1,607 |
| Noncurrent assets plus other real estate owned to assets | 0.2234% | 3,985 |
| Noncurrent loans to loans | 0.2912% | 3,731 |
| Net loans and leases to total assets | 76.0231% | 1,543 |
| Net loans and leases to deposits | 89.8196% | 1,710 |
| Net loans and leases to core deposits | 99.4066% | 1,729 |
| Total domestic deposits to total assets | 84.6398% | 3,054 |
| Equity capital to assets | 13.1041% | 1,191 |
| Core capital (leverage) ratio | 12.9366% | 1,202 |
| Tier 1 risk-based capital ratio | 16.5920% | 2,246 |
| Total risk-based capital ratio | 17.4730% | 2,332 |
| Memoranda: | ||
| Average total assets | $99,879,500 | 4,221 |
| Average earning assets | $94,897,500 | 4,176 |
| Average equity | $13,677,000 | 3,878 |
| Average total loans | $75,275,000 | 3,859 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8509% | 890 |
| Cost of funding earning assets | 0.7495% | 821 |
| Net interest margin | 4.1014% | 1,428 |
| Noninterest income to average assets | 0.2344% | 4,730 |
| Noninterest expense to average assets | 1.9139% | 5,097 |
| Loan and lease loss provision to assets | 0.1268% | 1,803 |
| Net operating income to assets | 2.0366% | 262 |
| Return on assets (ROA) | 2.0235% | 273 |
| Pretax return on assets | 2.0235% | 465 |
| Return on Equity (ROE) | 14.6689% | 664 |
| Retained earnings to average equity (ytd only) | 5.8411% | 1,630 |
| Net charge-offs to loans | 0.1728% | 1,432 |
| Credit loss provision to net charge-offs | 93.2836% | 2,723 |
| Earnings coverage of net charge-offs (x) | 15.9104% | 2,213 |
| Efficiency ratio | 46.9388% | 5,361 |
| Assets per employee ($millions) | 8.2917% | 575 |
| Cash dividends to net income (ytd only)* | 60.1805% | 1,740 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9452% | 4,240 |
| Loan loss allowance to noncurrent loans | 310.7143% | 1,625 |
| Noncurrent assets plus other real estate owned to assets | 0.2251% | 4,013 |
| Noncurrent loans to loans | 0.3042% | 3,692 |
| Net loans and leases to total assets | 73.3045% | 2,043 |
| Net loans and leases to deposits | 87.7914% | 2,043 |
| Net loans and leases to core deposits | 96.7758% | 1,963 |
| Total domestic deposits to total assets | 83.4985% | 3,385 |
| Equity capital to assets | 14.2874% | 836 |
| Core capital (leverage) ratio | 13.8921% | 861 |
| Tier 1 risk-based capital ratio | 18.5316% | 1,643 |
| Total risk-based capital ratio | 19.4535% | 1,690 |
| Memoranda: | ||
| Average total assets | $98,544,200 | 4,263 |
| Average earning assets | $92,333,200 | 4,232 |
| Average equity | $13,593,400 | 3,902 |
| Average total loans | $77,567,400 | 3,798 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8446% | 850 |
| Cost of funding earning assets | 0.7453% | 774 |
| Net interest margin | 4.0993% | 1,389 |
| Noninterest income to average assets | 0.2563% | 4,668 |
| Noninterest expense to average assets | 1.8215% | 5,250 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 2.2691% | 187 |
| Return on assets (ROA) | 2.2514% | 190 |
| Pretax return on assets | 2.2514% | 318 |
| Return on Equity (ROE) | 16.4706% | 483 |
| Retained earnings to average equity (ytd only) | 4.5642% | 3,175 |
| Net charge-offs to loans | 0.0577% | 2,303 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 49.2083% | 1,127 |
| Efficiency ratio | 44.5292% | 5,465 |
| Assets per employee ($millions) | 8.3883% | 545 |
| Cash dividends to net income (ytd only)* | 72.2891% | 889 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8191% | 4,843 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 80.8315% | 868 |
| Net loans and leases to deposits | 105.6633% | 431 |
| Net loans and leases to core deposits | 117.8230% | 663 |
| Total domestic deposits to total assets | 76.4991% | 4,957 |
| Equity capital to assets | 13.9619% | 1,007 |
| Core capital (leverage) ratio | 13.5744% | 998 |
| Tier 1 risk-based capital ratio | 16.8370% | 2,207 |
| Total risk-based capital ratio | 17.6656% | 2,300 |
| Memoranda: | ||
| Average total assets | $98,305,250 | 4,309 |
| Average earning assets | $91,949,250 | 4,283 |
| Average equity | $13,437,750 | 3,965 |
| Average total loans | $78,550,750 | 3,809 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7359% | 989 |
| Cost of funding earning assets | 0.7000% | 895 |
| Net interest margin | 4.0359% | 1,496 |
| Noninterest income to average assets | 0.2153% | 4,965 |
| Noninterest expense to average assets | 1.8048% | 5,306 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 2.1944% | 215 |
| Return on assets (ROA) | 2.1678% | 229 |
| Pretax return on assets | 2.1678% | 375 |
| Return on Equity (ROE) | 15.9760% | 532 |
| Retained earnings to average equity (ytd only) | -2.1614% | 5,358 |
| Net charge-offs to loans | 0.0052% | 3,286 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 535.0000% | 155 |
| Efficiency ratio | 45.1282% | 5,486 |
| Assets per employee ($millions) | 8.1821% | 574 |
| Cash dividends to net income (ytd only)* | 113.5289% | 341 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8684% | 4,756 |
| Loan loss allowance to noncurrent loans | 1,900.0000% | 347 |
| Noncurrent assets plus other real estate owned to assets | 0.0377% | 5,102 |
| Noncurrent loans to loans | 0.0457% | 4,965 |
| Net loans and leases to total assets | 81.7355% | 701 |
| Net loans and leases to deposits | 102.8898% | 557 |
| Net loans and leases to core deposits | 114.4430% | 779 |
| Total domestic deposits to total assets | 79.4398% | 4,523 |
| Equity capital to assets | 13.7210% | 1,066 |
| Core capital (leverage) ratio | 13.3243% | 1,046 |
| Tier 1 risk-based capital ratio | 15.9798% | 2,517 |
| Total risk-based capital ratio | 16.8403% | 2,599 |
| Memoranda: | ||
| Average total assets | $97,520,330 | 4,351 |
| Average earning assets | $91,430,000 | 4,317 |
| Average equity | $13,232,330 | 4,004 |
| Average total loans | $77,388,670 | 3,858 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6277% | 1,071 |
| Cost of funding earning assets | 0.6743% | 960 |
| Net interest margin | 3.9533% | 1,596 |
| Noninterest income to average assets | 0.2222% | 4,943 |
| Noninterest expense to average assets | 1.7780% | 5,406 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 2.1361% | 251 |
| Return on assets (ROA) | 2.0784% | 277 |
| Pretax return on assets | 2.0784% | 429 |
| Return on Equity (ROE) | 15.4051% | 602 |
| Retained earnings to average equity (ytd only) | -21.2011% | 5,743 |
| Net charge-offs to loans | 0.0106% | 2,612 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 259.5000% | 227 |
| Efficiency ratio | 45.4259% | 5,552 |
| Assets per employee ($millions) | 8.3041% | 544 |
| Cash dividends to net income (ytd only)* | 237.6238% | 169 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9282% | 4,649 |
| Loan loss allowance to noncurrent loans | 2,008.5714% | 353 |
| Noncurrent assets plus other real estate owned to assets | 0.0351% | 5,170 |
| Noncurrent loans to loans | 0.0462% | 5,008 |
| Net loans and leases to total assets | 75.2953% | 1,528 |
| Net loans and leases to deposits | 88.6849% | 1,711 |
| Net loans and leases to core deposits | 97.4479% | 1,708 |
| Total domestic deposits to total assets | 84.9020% | 3,126 |
| Equity capital to assets | 12.8501% | 1,327 |
| Core capital (leverage) ratio | 12.7330% | 1,242 |
| Tier 1 risk-based capital ratio | 16.3587% | 2,411 |
| Total risk-based capital ratio | 17.2786% | 2,488 |
| Memoranda: | ||
| Average total assets | $97,188,000 | 4,405 |
| Average earning assets | $90,758,500 | 4,379 |
| Average equity | $13,112,500 | 4,043 |
| Average total loans | $75,605,500 | 3,917 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6801% | 1,100 |
| Cost of funding earning assets | 0.6428% | 1,088 |
| Net interest margin | 4.0373% | 1,534 |
| Noninterest income to average assets | 0.2676% | 4,813 |
| Noninterest expense to average assets | 1.9299% | 5,321 |
| Loan and lease loss provision to assets | 0.0682% | 3,008 |
| Net operating income to assets | 2.0475% | 286 |
| Return on assets (ROA) | 2.0737% | 285 |
| Pretax return on assets | 2.0790% | 420 |
| Return on Equity (ROE) | 15.2686% | 594 |
| Retained earnings to average equity (ytd only) | 5.9962% | 1,708 |
| Net charge-offs to loans | 0.0040% | 4,108 |
| Credit loss provision to net charge-offs | 2,166.6667% | 199 |
| Earnings coverage of net charge-offs (x) | 673.6667% | 119 |
| Efficiency ratio | 47.6425% | 5,585 |
| Assets per employee ($millions) | 7.2867% | 810 |
| Cash dividends to net income (ytd only)* | 60.7287% | 1,750 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9341% | 4,637 |
| Loan loss allowance to noncurrent loans | 110.5016% | 3,418 |
| Noncurrent assets plus other real estate owned to assets | 0.6735% | 2,690 |
| Noncurrent loans to loans | 0.8453% | 2,411 |
| Net loans and leases to total assets | 78.9342% | 1,054 |
| Net loans and leases to deposits | 94.4819% | 1,149 |
| Net loans and leases to core deposits | 104.8784% | 1,216 |
| Total domestic deposits to total assets | 83.5443% | 3,589 |
| Equity capital to assets | 14.1670% | 835 |
| Core capital (leverage) ratio | 13.6802% | 904 |
| Tier 1 risk-based capital ratio | 18.2857% | 1,779 |
| Total risk-based capital ratio | 19.2626% | 1,804 |
| Memoranda: | ||
| Average total assets | $95,287,600 | 4,444 |
| Average earning assets | $89,293,400 | 4,407 |
| Average equity | $12,941,600 | 4,099 |
| Average total loans | $74,947,000 | 3,924 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6397% | 1,214 |
| Cost of funding earning assets | 0.6396% | 1,098 |
| Net interest margin | 4.0000% | 1,649 |
| Noninterest income to average assets | 0.1858% | 5,348 |
| Noninterest expense to average assets | 1.8569% | 5,451 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 2.0790% | 303 |
| Return on assets (ROA) | 2.1139% | 296 |
| Pretax return on assets | 2.1209% | 447 |
| Return on Equity (ROE) | 15.7330% | 578 |
| Retained earnings to average equity (ytd only) | 3.2547% | 3,960 |
| Net charge-offs to loans | 0.0071% | 3,666 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 373.4747% | 239 |
| Efficiency ratio | 47.0943% | 5,626 |
| Assets per employee ($millions) | 8.6925% | 446 |
| Cash dividends to net income (ytd only)* | 79.3127% | 754 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8282% | 5,106 |
| Loan loss allowance to noncurrent loans | 100.0000% | 3,621 |
| Noncurrent assets plus other real estate owned to assets | 0.6672% | 2,906 |
| Noncurrent loans to loans | 0.8282% | 2,608 |
| Net loans and leases to total assets | 79.8992% | 904 |
| Net loans and leases to deposits | 99.0227% | 771 |
| Net loans and leases to core deposits | 109.9394% | 918 |
| Total domestic deposits to total assets | 80.6877% | 4,326 |
| Equity capital to assets | 13.4514% | 1,271 |
| Core capital (leverage) ratio | 12.6126% | 1,354 |
| Tier 1 risk-based capital ratio | 15.9799% | 2,634 |
| Total risk-based capital ratio | 16.8236% | 2,736 |
| Memoranda: | ||
| Average total assets | $95,427,750 | 4,471 |
| Average earning assets | $89,630,750 | 4,432 |
| Average equity | $12,822,000 | 4,154 |
| Average total loans | $74,814,500 | 3,956 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5661% | 1,342 |
| Cost of funding earning assets | 0.6306% | 1,138 |
| Net interest margin | 3.9355% | 1,857 |
| Noninterest income to average assets | 0.1908% | 5,356 |
| Noninterest expense to average assets | 1.7742% | 5,624 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 2.0972% | 281 |
| Return on assets (ROA) | 2.1497% | 261 |
| Pretax return on assets | 2.1601% | 409 |
| Return on Equity (ROE) | 16.0048% | 545 |
| Retained earnings to average equity (ytd only) | -2.7325% | 5,605 |
| Net charge-offs to loans | 0.0135% | 3,271 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 201.0000% | 325 |
| Efficiency ratio | 45.7050% | 5,764 |
| Assets per employee ($millions) | 8.6255% | 455 |
| Cash dividends to net income (ytd only)* | 117.0732% | 355 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8439% | 5,150 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 78.8817% | 1,084 |
| Net loans and leases to deposits | 100.1298% | 686 |
| Net loans and leases to core deposits | 110.3049% | 917 |
| Total domestic deposits to total assets | 78.7795% | 4,835 |
| Equity capital to assets | 13.7869% | 1,103 |
| Core capital (leverage) ratio | 13.0988% | 1,119 |
| Tier 1 risk-based capital ratio | 16.2435% | 2,529 |
| Total risk-based capital ratio | 17.0885% | 2,655 |
| Memoranda: | ||
| Average total assets | $95,364,330 | 4,510 |
| Average earning assets | $89,442,000 | 4,475 |
| Average equity | $12,808,670 | 4,174 |
| Average total loans | $74,074,000 | 3,998 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5134% | 1,471 |
| Cost of funding earning assets | 0.6250% | 1,183 |
| Net interest margin | 3.8884% | 1,968 |
| Noninterest income to average assets | 0.2134% | 5,210 |
| Noninterest expense to average assets | 1.8200% | 5,627 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 2.0166% | 321 |
| Return on assets (ROA) | 2.0124% | 338 |
| Pretax return on assets | 2.0333% | 529 |
| Return on Equity (ROE) | 15.1825% | 640 |
| Retained earnings to average equity (ytd only) | -22.6948% | 5,984 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.1800% | 5,764 |
| Assets per employee ($millions) | 8.5357% | 466 |
| Cash dividends to net income (ytd only)* | 249.4802% | 172 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9088% | 5,033 |
| Loan loss allowance to noncurrent loans | 1,945.4545% | 328 |
| Noncurrent assets plus other real estate owned to assets | 0.0351% | 5,496 |
| Noncurrent loans to loans | 0.0467% | 5,301 |
| Net loans and leases to total assets | 74.5508% | 1,642 |
| Net loans and leases to deposits | 88.3088% | 1,794 |
| Net loans and leases to core deposits | 95.6022% | 1,837 |
| Total domestic deposits to total assets | 84.4206% | 3,345 |
| Equity capital to assets | 13.2108% | 1,311 |
| Core capital (leverage) ratio | 12.4421% | 1,361 |
| Tier 1 risk-based capital ratio | 16.9835% | 2,293 |
| Total risk-based capital ratio | 17.9153% | 2,361 |
| Memoranda: | ||
| Average total assets | $95,606,500 | 4,540 |
| Average earning assets | $89,600,000 | 4,509 |
| Average equity | $12,672,500 | 4,212 |
| Average total loans | $73,371,000 | 4,039 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6347% | 1,250 |
| Cost of funding earning assets | 0.6109% | 1,307 |
| Net interest margin | 4.0238% | 1,637 |
| Noninterest income to average assets | 0.2532% | 5,078 |
| Noninterest expense to average assets | 1.9002% | 5,616 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 2.1167% | 286 |
| Return on assets (ROA) | 2.1350% | 283 |
| Pretax return on assets | 2.1350% | 398 |
| Return on Equity (ROE) | 17.2436% | 434 |
| Retained earnings to average equity (ytd only) | 9.0324% | 644 |
| Net charge-offs to loans | -0.0508% | 5,555 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.3045% | 5,867 |
| Assets per employee ($millions) | 8.8473% | 403 |
| Cash dividends to net income (ytd only)* | 47.6190% | 2,439 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8436% | 5,283 |
| Loan loss allowance to noncurrent loans | 3,566.6667% | 216 |
| Noncurrent assets plus other real estate owned to assets | 0.0185% | 5,623 |
| Noncurrent loans to loans | 0.0237% | 5,420 |
| Net loans and leases to total assets | 77.5380% | 1,185 |
| Net loans and leases to deposits | 100.4419% | 646 |
| Net loans and leases to core deposits | 108.3402% | 952 |
| Total domestic deposits to total assets | 77.1969% | 5,283 |
| Equity capital to assets | 13.2974% | 1,213 |
| Core capital (leverage) ratio | 12.4275% | 1,385 |
| Tier 1 risk-based capital ratio | 16.9180% | 2,314 |
| Total risk-based capital ratio | 17.7924% | 2,413 |
| Memoranda: | ||
| Average total assets | $98,359,200 | 4,491 |
| Average earning assets | $92,002,200 | 4,469 |
| Average equity | $12,178,400 | 4,270 |
| Average total loans | $76,844,200 | 3,915 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5355% | 1,495 |
| Cost of funding earning assets | 0.6073% | 1,363 |
| Net interest margin | 3.9282% | 1,939 |
| Noninterest income to average assets | 0.2325% | 5,267 |
| Noninterest expense to average assets | 1.8157% | 5,755 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 2.0983% | 305 |
| Return on assets (ROA) | 2.1212% | 313 |
| Pretax return on assets | 2.1212% | 481 |
| Return on Equity (ROE) | 17.4507% | 439 |
| Retained earnings to average equity (ytd only) | 6.3285% | 2,050 |
| Net charge-offs to loans | -0.0658% | 5,640 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.3903% | 5,949 |
| Assets per employee ($millions) | 9.2757% | 340 |
| Cash dividends to net income (ytd only)* | 63.7348% | 1,266 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7921% | 5,535 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 78.5638% | 1,011 |
| Net loans and leases to deposits | 107.6594% | 313 |
| Net loans and leases to core deposits | 116.6250% | 564 |
| Total domestic deposits to total assets | 72.9744% | 5,789 |
| Equity capital to assets | 12.2921% | 1,877 |
| Core capital (leverage) ratio | 11.7662% | 1,844 |
| Tier 1 risk-based capital ratio | 15.1540% | 3,214 |
| Total risk-based capital ratio | 15.9697% | 3,375 |
| Memoranda: | ||
| Average total assets | $98,619,000 | 4,537 |
| Average earning assets | $92,424,500 | 4,515 |
| Average equity | $11,987,750 | 4,356 |
| Average total loans | $77,029,750 | 3,947 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4749% | 1,620 |
| Cost of funding earning assets | 0.6083% | 1,359 |
| Net interest margin | 3.8666% | 2,082 |
| Noninterest income to average assets | 0.1723% | 5,670 |
| Noninterest expense to average assets | 1.6885% | 5,978 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 2.1091% | 308 |
| Return on assets (ROA) | 2.1420% | 300 |
| Pretax return on assets | 2.1420% | 459 |
| Return on Equity (ROE) | 17.6904% | 433 |
| Retained earnings to average equity (ytd only) | 0.7456% | 5,253 |
| Net charge-offs to loans | -0.1003% | 5,793 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.4625% | 6,092 |
| Assets per employee ($millions) | 9.0879% | 362 |
| Cash dividends to net income (ytd only)* | 95.7854% | 588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8106% | 5,577 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 78.3419% | 1,022 |
| Net loans and leases to deposits | 104.3615% | 432 |
| Net loans and leases to core deposits | 111.0865% | 781 |
| Total domestic deposits to total assets | 75.0678% | 5,698 |
| Equity capital to assets | 11.8719% | 2,122 |
| Core capital (leverage) ratio | 11.8366% | 1,755 |
| Tier 1 risk-based capital ratio | 15.2464% | 3,227 |
| Total risk-based capital ratio | 16.1050% | 3,379 |
| Memoranda: | ||
| Average total assets | $97,481,000 | 4,602 |
| Average earning assets | $91,397,670 | 4,573 |
| Average equity | $11,803,000 | 4,414 |
| Average total loans | $75,772,670 | 4,004 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4262% | 1,669 |
| Cost of funding earning assets | 0.6203% | 1,302 |
| Net interest margin | 3.8059% | 2,210 |
| Noninterest income to average assets | 0.1912% | 5,563 |
| Noninterest expense to average assets | 1.8330% | 5,848 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.9286% | 388 |
| Return on assets (ROA) | 1.9909% | 363 |
| Pretax return on assets | 1.9909% | 594 |
| Return on Equity (ROE) | 16.2780% | 535 |
| Retained earnings to average equity (ytd only) | -17.7053% | 6,251 |
| Net charge-offs to loans | -0.1995% | 6,060 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.7293% | 5,984 |
| Assets per employee ($millions) | 8.5432% | 431 |
| Cash dividends to net income (ytd only)* | 208.7683% | 212 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8858% | 5,480 |
| Loan loss allowance to noncurrent loans | 3,042.8571% | 212 |
| Noncurrent assets plus other real estate owned to assets | 0.0223% | 5,854 |
| Noncurrent loans to loans | 0.0291% | 5,686 |
| Net loans and leases to total assets | 76.0798% | 1,196 |
| Net loans and leases to deposits | 89.2050% | 1,479 |
| Net loans and leases to core deposits | 94.3742% | 1,735 |
| Total domestic deposits to total assets | 85.2865% | 3,274 |
| Equity capital to assets | 12.3618% | 1,778 |
| Core capital (leverage) ratio | 11.4293% | 2,057 |
| Tier 1 risk-based capital ratio | 15.9158% | 2,958 |
| Total risk-based capital ratio | 16.8575% | 3,038 |
| Memoranda: | ||
| Average total assets | $96,238,000 | 4,662 |
| Average earning assets | $90,280,500 | 4,633 |
| Average equity | $11,770,500 | 4,454 |
| Average total loans | $74,181,000 | 4,073 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7117% | 1,275 |
| Cost of funding earning assets | 0.6957% | 1,136 |
| Net interest margin | 4.0161% | 1,851 |
| Noninterest income to average assets | 0.2396% | 5,413 |
| Noninterest expense to average assets | 1.8704% | 5,975 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 2.1026% | 271 |
| Return on assets (ROA) | 2.1026% | 279 |
| Pretax return on assets | 2.1121% | 397 |
| Return on Equity (ROE) | 18.7496% | 338 |
| Retained earnings to average equity (ytd only) | 14.0646% | 174 |
| Net charge-offs to loans | -0.0096% | 5,549 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.9657% | 6,225 |
| Assets per employee ($millions) | 8.9546% | 348 |
| Cash dividends to net income (ytd only)* | 24.9875% | 3,613 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7897% | 5,800 |
| Loan loss allowance to noncurrent loans | 2,866.6667% | 245 |
| Noncurrent assets plus other real estate owned to assets | 0.0213% | 5,958 |
| Noncurrent loans to loans | 0.0275% | 5,776 |
| Net loans and leases to total assets | 76.7759% | 1,159 |
| Net loans and leases to deposits | 99.7823% | 634 |
| Net loans and leases to core deposits | 106.4451% | 992 |
| Total domestic deposits to total assets | 76.9434% | 5,607 |
| Equity capital to assets | 12.1055% | 1,944 |
| Core capital (leverage) ratio | 11.6606% | 1,855 |
| Tier 1 risk-based capital ratio | 14.5726% | 3,737 |
| Total risk-based capital ratio | 15.3474% | 3,949 |
| Memoranda: | ||
| Average total assets | $95,166,400 | 4,717 |
| Average earning assets | $88,693,600 | 4,685 |
| Average equity | $10,672,200 | 4,622 |
| Average total loans | $72,906,600 | 4,096 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6819% | 1,349 |
| Cost of funding earning assets | 0.7037% | 1,131 |
| Net interest margin | 3.9782% | 1,940 |
| Noninterest income to average assets | 0.2346% | 5,525 |
| Noninterest expense to average assets | 1.8360% | 6,044 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 2.1060% | 279 |
| Return on assets (ROA) | 2.1060% | 289 |
| Pretax return on assets | 2.1060% | 451 |
| Return on Equity (ROE) | 19.1773% | 334 |
| Retained earnings to average equity (ytd only) | 12.7419% | 353 |
| Net charge-offs to loans | 0.0055% | 4,501 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 496.6550% | 153 |
| Efficiency ratio | 46.5758% | 6,261 |
| Assets per employee ($millions) | 8.9985% | 337 |
| Cash dividends to net income (ytd only)* | 33.5570% | 2,643 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7731% | 5,939 |
| Loan loss allowance to noncurrent loans | 419.8582% | 1,136 |
| Noncurrent assets plus other real estate owned to assets | 0.1424% | 5,617 |
| Noncurrent loans to loans | 0.1841% | 5,360 |
| Net loans and leases to total assets | 76.7639% | 1,129 |
| Net loans and leases to deposits | 101.0197% | 558 |
| Net loans and leases to core deposits | 107.6535% | 867 |
| Total domestic deposits to total assets | 75.9890% | 5,815 |
| Equity capital to assets | 11.4352% | 2,545 |
| Core capital (leverage) ratio | 11.0606% | 2,424 |
| Tier 1 risk-based capital ratio | 13.7141% | 4,407 |
| Total risk-based capital ratio | 14.4651% | 4,655 |
| Memoranda: | ||
| Average total assets | $94,332,750 | 4,787 |
| Average earning assets | $87,910,500 | 4,747 |
| Average equity | $10,359,250 | 4,717 |
| Average total loans | $72,076,500 | 4,154 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3594% | 2,338 |
| Cost of funding earning assets | 0.6919% | 1,230 |
| Net interest margin | 3.6675% | 3,081 |
| Noninterest income to average assets | 0.1466% | 6,084 |
| Noninterest expense to average assets | 1.7029% | 6,264 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.8387% | 454 |
| Return on assets (ROA) | 1.8387% | 467 |
| Pretax return on assets | 1.8603% | 741 |
| Return on Equity (ROE) | 16.9932% | 552 |
| Retained earnings to average equity (ytd only) | 7.0323% | 1,755 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.7919% | 6,296 |
| Assets per employee ($millions) | 9.5344% | 274 |
| Cash dividends to net income (ytd only)* | 58.6166% | 1,573 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8143% | 5,937 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 76.0163% | 1,163 |
| Net loans and leases to deposits | 100.2864% | 546 |
| Net loans and leases to core deposits | 102.1249% | 1,126 |
| Total domestic deposits to total assets | 75.7992% | 5,931 |
| Equity capital to assets | 11.1795% | 2,714 |
| Core capital (leverage) ratio | 11.1324% | 2,303 |
| Tier 1 risk-based capital ratio | 13.6034% | 4,525 |
| Total risk-based capital ratio | 14.3990% | 4,752 |
| Memoranda: | ||
| Average total assets | $92,782,330 | 4,849 |
| Average earning assets | $86,434,670 | 4,818 |
| Average equity | $10,039,330 | 4,798 |
| Average total loans | $70,576,670 | 4,214 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4032% | 2,126 |
| Cost of funding earning assets | 0.6994% | 1,252 |
| Net interest margin | 3.7037% | 2,852 |
| Noninterest income to average assets | 0.1311% | 6,195 |
| Noninterest expense to average assets | 1.7355% | 6,303 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.8011% | 485 |
| Return on assets (ROA) | 1.8011% | 504 |
| Pretax return on assets | 1.8448% | 738 |
| Return on Equity (ROE) | 16.9382% | 540 |
| Retained earnings to average equity (ytd only) | -3.6179% | 6,024 |
| Net charge-offs to loans | 0.0058% | 3,539 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 422.0000% | 106 |
| Efficiency ratio | 48.4737% | 6,336 |
| Assets per employee ($millions) | 8.0744% | 465 |
| Cash dividends to net income (ytd only)* | 121.3592% | 521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8965% | 5,879 |
| Loan loss allowance to noncurrent loans | 990.0000% | 522 |
| Noncurrent assets plus other real estate owned to assets | 0.0676% | 6,069 |
| Noncurrent loans to loans | 0.0906% | 5,855 |
| Net loans and leases to total assets | 73.9298% | 1,276 |
| Net loans and leases to deposits | 85.3731% | 1,686 |
| Net loans and leases to core deposits | 86.8420% | 2,216 |
| Total domestic deposits to total assets | 86.5962% | 3,049 |
| Equity capital to assets | 10.9482% | 2,768 |
| Core capital (leverage) ratio | 10.7350% | 2,667 |
| Tier 1 risk-based capital ratio | 14.3428% | 4,103 |
| Total risk-based capital ratio | 15.2182% | 4,292 |
| Memoranda: | ||
| Average total assets | $91,501,500 | 4,924 |
| Average earning assets | $85,211,500 | 4,885 |
| Average equity | $9,729,500 | 4,883 |
| Average total loans | $69,329,000 | 4,290 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6312% | 1,771 |
| Cost of funding earning assets | 0.8541% | 940 |
| Net interest margin | 3.7772% | 2,737 |
| Noninterest income to average assets | 0.1467% | 6,212 |
| Noninterest expense to average assets | 1.5553% | 6,538 |
| Loan and lease loss provision to assets | 0.0328% | 4,460 |
| Net operating income to assets | 2.1003% | 289 |
| Return on assets (ROA) | 2.1441% | 271 |
| Pretax return on assets | 2.0971% | 388 |
| Return on Equity (ROE) | 20.7021% | 252 |
| Retained earnings to average equity (ytd only) | 20.7021% | 79 |
| Net charge-offs to loans | -0.0015% | 5,836 |
| Credit loss provision to net charge-offs | -3,000.0000% | 6,343 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.7112% | 6,643 |
| Assets per employee ($millions) | 7.8488% | 509 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8218% | 6,120 |
| Loan loss allowance to noncurrent loans | 991.6667% | 512 |
| Noncurrent assets plus other real estate owned to assets | 0.0637% | 6,165 |
| Noncurrent loans to loans | 0.0829% | 5,967 |
| Net loans and leases to total assets | 76.2393% | 1,036 |
| Net loans and leases to deposits | 98.5439% | 563 |
| Net loans and leases to core deposits | 100.3227% | 1,130 |
| Total domestic deposits to total assets | 77.3658% | 5,921 |
| Equity capital to assets | 10.3360% | 3,357 |
| Core capital (leverage) ratio | 10.6826% | 2,693 |
| Tier 1 risk-based capital ratio | 12.6731% | 5,193 |
| Total risk-based capital ratio | 13.4410% | 5,431 |
| Memoranda: | ||
| Average total assets | $91,365,800 | 4,945 |
| Average earning assets | $84,534,600 | 4,919 |
| Average equity | $9,462,800 | 4,991 |
| Average total loans | $66,984,400 | 4,375 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6637% | 1,704 |
| Cost of funding earning assets | 0.8763% | 923 |
| Net interest margin | 3.7873% | 2,688 |
| Noninterest income to average assets | 0.1353% | 6,346 |
| Noninterest expense to average assets | 1.5765% | 6,573 |
| Loan and lease loss provision to assets | 0.0441% | 4,131 |
| Net operating income to assets | 2.0736% | 318 |
| Return on assets (ROA) | 2.1310% | 302 |
| Pretax return on assets | 2.0677% | 504 |
| Return on Equity (ROE) | 20.5641% | 269 |
| Retained earnings to average equity (ytd only) | 20.5641% | 74 |
| Net charge-offs to loans | -0.0020% | 5,687 |
| Credit loss provision to net charge-offs | -3,000.0000% | 6,313 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.4184% | 6,673 |
| Assets per employee ($millions) | 7.6087% | 559 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8732% | 6,124 |
| Loan loss allowance to noncurrent loans | 1,324.4444% | 371 |
| Noncurrent assets plus other real estate owned to assets | 0.0493% | 6,314 |
| Noncurrent loans to loans | 0.0659% | 6,141 |
| Net loans and leases to total assets | 74.1063% | 1,280 |
| Net loans and leases to deposits | 96.8537% | 635 |
| Net loans and leases to core deposits | 98.6787% | 1,189 |
| Total domestic deposits to total assets | 76.5136% | 6,110 |
| Equity capital to assets | 10.3665% | 3,431 |
| Core capital (leverage) ratio | 10.1035% | 3,514 |
| Tier 1 risk-based capital ratio | 12.7874% | 5,264 |
| Total risk-based capital ratio | 13.6060% | 5,480 |
| Memoranda: | ||
| Average total assets | $90,661,000 | 5,018 |
| Average earning assets | $83,680,500 | 4,981 |
| Average equity | $9,394,750 | 5,056 |
| Average total loans | $65,630,250 | 4,461 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5108% | 2,164 |
| Cost of funding earning assets | 0.8806% | 983 |
| Net interest margin | 3.6302% | 3,246 |
| Noninterest income to average assets | 0.1393% | 6,355 |
| Noninterest expense to average assets | 1.5147% | 6,663 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.8268% | 487 |
| Return on assets (ROA) | 1.8309% | 515 |
| Pretax return on assets | 1.9835% | 626 |
| Return on Equity (ROE) | 17.6709% | 490 |
| Retained earnings to average equity (ytd only) | 17.6709% | 133 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.3544% | 6,729 |
| Assets per employee ($millions) | 8.3377% | 406 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8371% | 6,285 |
| Loan loss allowance to noncurrent loans | 345.1220% | 1,225 |
| Noncurrent assets plus other real estate owned to assets | 0.1788% | 5,964 |
| Noncurrent loans to loans | 0.2425% | 5,697 |
| Net loans and leases to total assets | 73.1058% | 1,386 |
| Net loans and leases to deposits | 96.4998% | 635 |
| Net loans and leases to core deposits | 98.3181% | 1,186 |
| Total domestic deposits to total assets | 75.7575% | 6,273 |
| Equity capital to assets | 10.6395% | 3,133 |
| Core capital (leverage) ratio | 9.8653% | 3,694 |
| Tier 1 risk-based capital ratio | 12.0880% | 5,742 |
| Total risk-based capital ratio | 12.8754% | 5,992 |
| Memoranda: | ||
| Average total assets | $90,446,670 | 5,051 |
| Average earning assets | $83,576,670 | 5,015 |
| Average equity | $9,371,330 | 5,088 |
| Average total loans | $64,754,330 | 4,509 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4835% | 2,223 |
| Cost of funding earning assets | 0.8967% | 999 |
| Net interest margin | 3.5868% | 3,311 |
| Noninterest income to average assets | 0.1203% | 6,500 |
| Noninterest expense to average assets | 1.3762% | 6,835 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 2.0398% | 321 |
| Return on assets (ROA) | 2.0443% | 348 |
| Pretax return on assets | 2.0443% | 551 |
| Return on Equity (ROE) | 20.0044% | 293 |
| Retained earnings to average equity (ytd only) | 20.0044% | 141 |
| Net charge-offs to loans | -0.0063% | 5,315 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.2868% | 6,866 |
| Assets per employee ($millions) | 7.8705% | 518 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9192% | 6,211 |
| Loan loss allowance to noncurrent loans | 28,300.0000% | 31 |
| Noncurrent assets plus other real estate owned to assets | 0.0023% | 6,649 |
| Noncurrent loans to loans | 0.0032% | 6,512 |
| Net loans and leases to total assets | 70.4699% | 1,584 |
| Net loans and leases to deposits | 81.5783% | 1,885 |
| Net loans and leases to core deposits | 83.0045% | 2,456 |
| Total domestic deposits to total assets | 86.3831% | 3,307 |
| Equity capital to assets | 10.8564% | 3,134 |
| Core capital (leverage) ratio | 9.6201% | 3,885 |
| Tier 1 risk-based capital ratio | 12.5809% | 5,530 |
| Total risk-based capital ratio | 13.4366% | 5,759 |
| Memoranda: | ||
| Average total assets | $89,812,500 | 5,101 |
| Average earning assets | $82,524,500 | 5,075 |
| Average equity | $9,178,000 | 5,190 |
| Average total loans | $63,324,000 | 4,587 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7542% | 2,383 |
| Cost of funding earning assets | 1.0936% | 932 |
| Net interest margin | 3.6606% | 3,826 |
| Noninterest income to average assets | 0.1476% | 6,300 |
| Noninterest expense to average assets | 1.4818% | 6,879 |
| Loan and lease loss provision to assets | 0.0116% | 5,768 |
| Net operating income to assets | 1.7348% | 575 |
| Return on assets (ROA) | 1.7398% | 632 |
| Pretax return on assets | 2.0327% | 566 |
| Return on Equity (ROE) | 18.7924% | 373 |
| Retained earnings to average equity (ytd only) | 18.7924% | 73 |
| Net charge-offs to loans | -0.0101% | 6,466 |
| Credit loss provision to net charge-offs | -166.6667% | 6,371 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.0931% | 6,891 |
| Assets per employee ($millions) | 8.4590% | 407 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8683% | 6,348 |
| Loan loss allowance to noncurrent loans | 3,323.5294% | 190 |
| Noncurrent assets plus other real estate owned to assets | 0.0183% | 6,630 |
| Noncurrent loans to loans | 0.0261% | 6,457 |
| Net loans and leases to total assets | 69.3258% | 1,968 |
| Net loans and leases to deposits | 99.2660% | 443 |
| Net loans and leases to core deposits | 101.5698% | 915 |
| Total domestic deposits to total assets | 69.8385% | 6,791 |
| Equity capital to assets | 9.6261% | 4,696 |
| Core capital (leverage) ratio | 8.9426% | 4,983 |
| Tier 1 risk-based capital ratio | 11.1606% | 6,287 |
| Total risk-based capital ratio | 11.9628% | 6,431 |
| Memoranda: | ||
| Average total assets | $86,043,200 | 5,191 |
| Average earning assets | $79,276,600 | 5,148 |
| Average equity | $7,966,000 | 5,513 |
| Average total loans | $59,134,400 | 4,747 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7511% | 2,572 |
| Cost of funding earning assets | 1.1439% | 885 |
| Net interest margin | 3.6072% | 4,210 |
| Noninterest income to average assets | 0.1503% | 6,398 |
| Noninterest expense to average assets | 1.5027% | 6,937 |
| Loan and lease loss provision to assets | 0.0158% | 5,612 |
| Net operating income to assets | 1.6858% | 704 |
| Return on assets (ROA) | 1.6925% | 769 |
| Pretax return on assets | 1.9867% | 715 |
| Return on Equity (ROE) | 18.4839% | 445 |
| Retained earnings to average equity (ytd only) | 18.4839% | 109 |
| Net charge-offs to loans | -0.0092% | 6,355 |
| Credit loss provision to net charge-offs | -250.0000% | 6,358 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.9670% | 6,930 |
| Assets per employee ($millions) | 7.9000% | 503 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9055% | 6,364 |
| Loan loss allowance to noncurrent loans | 28,100.0000% | 15 |
| Noncurrent assets plus other real estate owned to assets | 0.0023% | 6,813 |
| Noncurrent loans to loans | 0.0032% | 6,684 |
| Net loans and leases to total assets | 70.7768% | 1,766 |
| Net loans and leases to deposits | 95.4498% | 694 |
| Net loans and leases to core deposits | 99.6161% | 1,150 |
| Total domestic deposits to total assets | 74.1507% | 6,590 |
| Equity capital to assets | 9.9390% | 4,592 |
| Core capital (leverage) ratio | 8.4274% | 5,864 |
| Tier 1 risk-based capital ratio | 10.1605% | 6,763 |
| Total risk-based capital ratio | 10.9286% | 6,862 |
| Memoranda: | ||
| Average total assets | $84,291,750 | 5,290 |
| Average earning assets | $78,212,250 | 5,238 |
| Average equity | $7,718,250 | 5,638 |
| Average total loans | $57,650,000 | 4,857 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6407% | 3,180 |
| Cost of funding earning assets | 1.1776% | 904 |
| Net interest margin | 3.4631% | 4,828 |
| Noninterest income to average assets | 0.1510% | 6,439 |
| Noninterest expense to average assets | 1.5655% | 6,959 |
| Loan and lease loss provision to assets | 0.0240% | 5,367 |
| Net operating income to assets | 1.3905% | 1,209 |
| Return on assets (ROA) | 1.3905% | 1,354 |
| Pretax return on assets | 1.7765% | 1,083 |
| Return on Equity (ROE) | 15.6503% | 829 |
| Retained earnings to average equity (ytd only) | 15.6503% | 246 |
| Net charge-offs to loans | -0.0178% | 6,401 |
| Credit loss provision to net charge-offs | -200.0000% | 6,136 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.5100% | 6,858 |
| Assets per employee ($millions) | 8.0529% | 460 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8947% | 6,471 |
| Loan loss allowance to noncurrent loans | 8,042.8571% | 84 |
| Noncurrent assets plus other real estate owned to assets | 0.0079% | 6,827 |
| Noncurrent loans to loans | 0.0111% | 6,675 |
| Net loans and leases to total assets | 70.4003% | 1,852 |
| Net loans and leases to deposits | 92.8891% | 857 |
| Net loans and leases to core deposits | 96.1234% | 1,418 |
| Total domestic deposits to total assets | 75.7897% | 6,488 |
| Equity capital to assets | 9.0188% | 5,678 |
| Core capital (leverage) ratio | 8.2510% | 5,988 |
| Tier 1 risk-based capital ratio | 9.4755% | 6,928 |
| Total risk-based capital ratio | 10.2437% | 6,986 |
| Memoranda: | ||
| Average total assets | $83,422,330 | 5,338 |
| Average earning assets | $77,445,330 | 5,289 |
| Average equity | $7,412,000 | 5,738 |
| Average total loans | $56,177,670 | 4,949 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5747% | 3,622 |
| Cost of funding earning assets | 1.2477% | 785 |
| Net interest margin | 3.3271% | 5,383 |
| Noninterest income to average assets | 0.1583% | 6,439 |
| Noninterest expense to average assets | 1.8258% | 6,768 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.6977% | 3,890 |
| Return on assets (ROA) | 0.6977% | 4,107 |
| Pretax return on assets | 1.4200% | 2,122 |
| Return on Equity (ROE) | 7.9175% | 3,322 |
| Retained earnings to average equity (ytd only) | 7.9175% | 2,018 |
| Net charge-offs to loans | -0.0379% | 6,437 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.2500% | 6,097 |
| Assets per employee ($millions) | 7.4779% | 596 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0619% | 6,035 |
| Loan loss allowance to noncurrent loans | 9,216.6667% | 69 |
| Noncurrent assets plus other real estate owned to assets | 0.0073% | 6,919 |
| Noncurrent loans to loans | 0.0115% | 6,761 |
| Net loans and leases to total assets | 62.6366% | 3,136 |
| Net loans and leases to deposits | 71.4347% | 3,520 |
| Net loans and leases to core deposits | 73.7455% | 3,928 |
| Total domestic deposits to total assets | 87.6837% | 2,536 |
| Equity capital to assets | 8.9464% | 5,575 |
| Core capital (leverage) ratio | 7.9718% | 6,282 |
| Tier 1 risk-based capital ratio | 10.0193% | 6,876 |
| Total risk-based capital ratio | 10.8710% | 6,941 |
| Memoranda: | ||
| Average total assets | $80,842,500 | 5,447 |
| Average earning assets | $75,020,500 | 5,398 |
| Average equity | $7,123,500 | 5,831 |
| Average total loans | $52,804,000 | 5,111 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7656% | 3,958 |
| Cost of funding earning assets | 1.3959% | 1,056 |
| Net interest margin | 3.3697% | 5,582 |
| Noninterest income to average assets | 0.1691% | 6,279 |
| Noninterest expense to average assets | 1.5421% | 7,146 |
| Loan and lease loss provision to assets | 0.0666% | 5,778 |
| Net operating income to assets | 1.1988% | 1,515 |
| Return on assets (ROA) | 1.2438% | 1,493 |
| Pretax return on assets | 1.7286% | 931 |
| Return on Equity (ROE) | 15.4877% | 679 |
| Retained earnings to average equity (ytd only) | 15.4877% | 115 |
| Net charge-offs to loans | 0.0021% | 6,425 |
| Credit loss provision to net charge-offs | 5,000.0000% | 51 |
| Earnings coverage of net charge-offs (x) | 1,301.0000% | 16 |
| Efficiency ratio | 47.0923% | 6,995 |
| Assets per employee ($millions) | 7.2207% | 651 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0237% | 6,100 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 66.7070% | 2,639 |
| Net loans and leases to deposits | 80.5020% | 2,429 |
| Net loans and leases to core deposits | 81.4875% | 3,250 |
| Total domestic deposits to total assets | 82.8637% | 4,806 |
| Equity capital to assets | 8.6720% | 5,933 |
| Core capital (leverage) ratio | 8.2493% | 5,926 |
| Tier 1 risk-based capital ratio | 9.5294% | 6,956 |
| Total risk-based capital ratio | 10.3499% | 7,021 |
| Memoranda: | ||
| Average total assets | $75,090,400 | 5,601 |
| Average earning assets | $69,204,800 | 5,567 |
| Average equity | $6,030,600 | 6,149 |
| Average total loans | $47,275,600 | 5,372 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7228% | 4,345 |
| Cost of funding earning assets | 1.4413% | 1,057 |
| Net interest margin | 3.2815% | 5,914 |
| Noninterest income to average assets | 0.1639% | 6,425 |
| Noninterest expense to average assets | 1.6575% | 7,137 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.0821% | 2,035 |
| Return on assets (ROA) | 1.1422% | 1,955 |
| Pretax return on assets | 1.6142% | 1,348 |
| Return on Equity (ROE) | 14.5336% | 939 |
| Retained earnings to average equity (ytd only) | 14.5336% | 266 |
| Net charge-offs to loans | 0.0058% | 6,096 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 423.9588% | 87 |
| Efficiency ratio | 52.0068% | 6,676 |
| Assets per employee ($millions) | 6.9034% | 777 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9911% | 6,315 |
| Loan loss allowance to noncurrent loans | 1,713.7931% | 235 |
| Noncurrent assets plus other real estate owned to assets | 0.0382% | 6,958 |
| Noncurrent loans to loans | 0.0578% | 6,789 |
| Net loans and leases to total assets | 65.3845% | 3,037 |
| Net loans and leases to deposits | 79.1251% | 2,788 |
| Net loans and leases to core deposits | 80.2687% | 3,596 |
| Total domestic deposits to total assets | 82.6343% | 4,825 |
| Equity capital to assets | 8.6664% | 6,121 |
| Core capital (leverage) ratio | 8.1340% | 6,241 |
| Tier 1 risk-based capital ratio | 9.8920% | 6,985 |
| Total risk-based capital ratio | 10.7028% | 7,057 |
| Memoranda: | ||
| Average total assets | $74,006,000 | 5,684 |
| Average earning assets | $68,178,500 | 5,648 |
| Average equity | $5,816,250 | 6,248 |
| Average total loans | $45,711,500 | 5,481 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5768% | 5,066 |
| Cost of funding earning assets | 1.4623% | 1,156 |
| Net interest margin | 3.1145% | 6,376 |
| Noninterest income to average assets | 0.1690% | 6,453 |
| Noninterest expense to average assets | 1.6984% | 7,179 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.9870% | 2,278 |
| Return on assets (ROA) | 1.0496% | 2,138 |
| Pretax return on assets | 1.4176% | 1,760 |
| Return on Equity (ROE) | 13.8456% | 1,006 |
| Retained earnings to average equity (ytd only) | 13.8456% | 326 |
| Net charge-offs to loans | 0.0136% | 5,658 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 163.0000% | 218 |
| Efficiency ratio | 56.0252% | 6,423 |
| Assets per employee ($millions) | 6.7383% | 831 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1104% | 5,913 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 59.5944% | 4,349 |
| Net loans and leases to deposits | 67.5382% | 4,780 |
| Net loans and leases to core deposits | 68.4720% | 5,242 |
| Total domestic deposits to total assets | 88.2382% | 1,999 |
| Equity capital to assets | 8.0315% | 6,661 |
| Core capital (leverage) ratio | 7.8670% | 6,441 |
| Tier 1 risk-based capital ratio | 9.9767% | 6,981 |
| Total risk-based capital ratio | 10.8276% | 7,093 |
| Memoranda: | ||
| Average total assets | $73,362,330 | 5,738 |
| Average earning assets | $67,427,330 | 5,714 |
| Average equity | $5,561,330 | 6,350 |
| Average total loans | $44,232,670 | 5,605 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4641% | 5,474 |
| Cost of funding earning assets | 1.4960% | 1,179 |
| Net interest margin | 2.9681% | 6,642 |
| Noninterest income to average assets | 0.1589% | 6,587 |
| Noninterest expense to average assets | 1.6113% | 7,299 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.9098% | 2,512 |
| Return on assets (ROA) | 0.9098% | 2,572 |
| Pretax return on assets | 1.2770% | 2,110 |
| Return on Equity (ROE) | 12.3754% | 1,361 |
| Retained earnings to average equity (ytd only) | 12.3754% | 683 |
| Net charge-offs to loans | 0.0273% | 4,711 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 77.6667% | 402 |
| Efficiency ratio | 55.7875% | 6,523 |
| Assets per employee ($millions) | 6.7468% | 827 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2328% | 5,467 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 53.5458% | 5,374 |
| Net loans and leases to deposits | 60.0922% | 5,719 |
| Net loans and leases to core deposits | 60.8197% | 6,035 |
| Total domestic deposits to total assets | 89.1060% | 1,711 |
| Equity capital to assets | 7.3732% | 6,940 |
| Core capital (leverage) ratio | 7.6371% | 6,618 |
| Tier 1 risk-based capital ratio | 10.1007% | 6,972 |
| Total risk-based capital ratio | 10.9958% | 7,087 |
| Memoranda: | ||
| Average total assets | $72,983,000 | 5,787 |
| Average earning assets | $67,113,000 | 5,760 |
| Average equity | $5,365,500 | 6,431 |
| Average total loans | $44,015,000 | 5,653 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1420% | 3,897 |
| Cost of funding earning assets | 1.7352% | 1,442 |
| Net interest margin | 3.4068% | 5,603 |
| Noninterest income to average assets | 0.1990% | 6,353 |
| Noninterest expense to average assets | 1.7419% | 7,316 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 1.0600% | 1,838 |
| Return on assets (ROA) | 1.0730% | 1,880 |
| Pretax return on assets | 1.6057% | 1,115 |
| Return on Equity (ROE) | 13.8396% | 921 |
| Retained earnings to average equity (ytd only) | 8.0489% | 967 |
| Net charge-offs to loans | -0.0140% | 7,338 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.8885% | 6,995 |
| Assets per employee ($millions) | 6.5228% | 942 |
| Cash dividends to net income (ytd only)* | 41.8410% | 2,508 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0440% | 6,177 |
| Loan loss allowance to noncurrent loans | 7,128.5714% | 74 |
| Noncurrent assets plus other real estate owned to assets | 0.0098% | 7,230 |
| Noncurrent loans to loans | 0.0146% | 7,116 |
| Net loans and leases to total assets | 65.9169% | 3,482 |
| Net loans and leases to deposits | 81.7591% | 2,860 |
| Net loans and leases to core deposits | 83.3424% | 3,698 |
| Total domestic deposits to total assets | 80.6233% | 5,650 |
| Equity capital to assets | 7.3295% | 6,985 |
| Core capital (leverage) ratio | 7.8146% | 6,421 |
| Tier 1 risk-based capital ratio | 9.3377% | 7,176 |
| Total risk-based capital ratio | 10.1957% | 7,259 |
| Memoranda: | ||
| Average total assets | $66,822,600 | 5,967 |
| Average earning assets | $61,377,200 | 5,944 |
| Average equity | $5,180,800 | 6,608 |
| Average total loans | $42,916,200 | 5,792 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1539% | 4,060 |
| Cost of funding earning assets | 1.7800% | 1,506 |
| Net interest margin | 3.3740% | 5,771 |
| Noninterest income to average assets | 0.1952% | 6,488 |
| Noninterest expense to average assets | 1.9189% | 7,175 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.9540% | 2,400 |
| Return on assets (ROA) | 0.9554% | 2,520 |
| Pretax return on assets | 1.3762% | 1,947 |
| Return on Equity (ROE) | 12.1414% | 1,463 |
| Retained earnings to average equity (ytd only) | 4.3916% | 3,402 |
| Net charge-offs to loans | -0.0064% | 7,227 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.6543% | 6,315 |
| Assets per employee ($millions) | 6.1905% | 1,121 |
| Cash dividends to net income (ytd only)* | 63.8299% | 1,101 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1292% | 5,817 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 63.6498% | 4,195 |
| Net loans and leases to deposits | 74.9321% | 4,351 |
| Net loans and leases to core deposits | 76.3780% | 5,010 |
| Total domestic deposits to total assets | 84.9433% | 3,645 |
| Equity capital to assets | 8.1723% | 6,641 |
| Core capital (leverage) ratio | 7.7176% | 6,654 |
| Tier 1 risk-based capital ratio | 9.6176% | 7,219 |
| Total risk-based capital ratio | 10.5360% | 7,316 |
| Memoranda: | ||
| Average total assets | $65,590,500 | 6,080 |
| Average earning assets | $60,224,250 | 6,053 |
| Average equity | $5,161,250 | 6,696 |
| Average total loans | $41,696,500 | 5,930 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1058% | 4,422 |
| Cost of funding earning assets | 1.8187% | 1,574 |
| Net interest margin | 3.2871% | 6,058 |
| Noninterest income to average assets | 0.1946% | 6,508 |
| Noninterest expense to average assets | 1.9489% | 7,187 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.8350% | 2,803 |
| Return on assets (ROA) | 0.8370% | 2,949 |
| Pretax return on assets | 1.2632% | 2,212 |
| Return on Equity (ROE) | 10.7825% | 1,825 |
| Retained earnings to average equity (ytd only) | -1.1538% | 6,008 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0577% | 6,038 |
| Assets per employee ($millions) | 6.0144% | 1,219 |
| Cash dividends to net income (ytd only)* | 110.7011% | 361 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1527% | 5,676 |
| Loan loss allowance to noncurrent loans | 1,590.3226% | 239 |
| Noncurrent assets plus other real estate owned to assets | 0.0469% | 7,271 |
| Noncurrent loans to loans | 0.0725% | 7,130 |
| Net loans and leases to total assets | 63.9046% | 4,282 |
| Net loans and leases to deposits | 73.3306% | 4,790 |
| Net loans and leases to core deposits | 74.7503% | 5,360 |
| Total domestic deposits to total assets | 87.1459% | 2,457 |
| Equity capital to assets | 7.9401% | 6,819 |
| Core capital (leverage) ratio | 7.5389% | 6,794 |
| Tier 1 risk-based capital ratio | 9.4690% | 7,272 |
| Total risk-based capital ratio | 10.4063% | 7,381 |
| Memoranda: | ||
| Average total assets | $64,755,330 | 6,152 |
| Average earning assets | $59,384,000 | 6,121 |
| Average equity | $5,026,670 | 6,772 |
| Average total loans | $40,982,670 | 6,012 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0398% | 4,836 |
| Cost of funding earning assets | 1.8252% | 1,773 |
| Net interest margin | 3.2145% | 6,250 |
| Noninterest income to average assets | 0.1811% | 6,660 |
| Noninterest expense to average assets | 1.9296% | 7,285 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.7704% | 3,106 |
| Return on assets (ROA) | 0.7743% | 3,194 |
| Pretax return on assets | 1.2052% | 2,346 |
| Return on Equity (ROE) | 10.0946% | 2,068 |
| Retained earnings to average equity (ytd only) | -14.3279% | 7,183 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0778% | 5,987 |
| Assets per employee ($millions) | 5.9198% | 1,321 |
| Cash dividends to net income (ytd only)* | 241.9355% | 137 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2630% | 5,137 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 59.1849% | 5,258 |
| Net loans and leases to deposits | 66.8505% | 5,728 |
| Net loans and leases to core deposits | 68.2583% | 6,070 |
| Total domestic deposits to total assets | 88.5331% | 1,771 |
| Equity capital to assets | 7.4772% | 7,089 |
| Core capital (leverage) ratio | 7.5799% | 6,763 |
| Tier 1 risk-based capital ratio | 9.7092% | 7,207 |
| Total risk-based capital ratio | 10.7000% | 7,325 |
| Memoranda: | ||
| Average total assets | $64,054,000 | 6,241 |
| Average earning assets | $58,733,000 | 6,215 |
| Average equity | $4,913,500 | 6,873 |
| Average total loans | $40,088,500 | 6,119 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4672% | 4,349 |
| Cost of funding earning assets | 2.1683% | 2,159 |
| Net interest margin | 3.2989% | 5,751 |
| Noninterest income to average assets | 0.2231% | 6,520 |
| Noninterest expense to average assets | 1.9315% | 7,454 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.9101% | 2,146 |
| Return on assets (ROA) | 0.9598% | 2,033 |
| Pretax return on assets | 1.3654% | 1,516 |
| Return on Equity (ROE) | 11.9529% | 1,174 |
| Retained earnings to average equity (ytd only) | 5.6397% | 1,507 |
| Net charge-offs to loans | -0.0536% | 7,848 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.1409% | 6,600 |
| Assets per employee ($millions) | 5.7264% | 1,437 |
| Cash dividends to net income (ytd only)* | 52.8169% | 2,336 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1982% | 5,371 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 64.5356% | 4,489 |
| Net loans and leases to deposits | 83.7164% | 3,329 |
| Net loans and leases to core deposits | 98.3714% | 4,191 |
| Total domestic deposits to total assets | 77.0884% | 6,455 |
| Equity capital to assets | 7.8711% | 6,700 |
| Core capital (leverage) ratio | 8.2529% | 5,713 |
| Tier 1 risk-based capital ratio | 10.1802% | 6,703 |
| Total risk-based capital ratio | 11.1832% | 6,907 |
| Memoranda: | ||
| Average total assets | $59,177,400 | 6,382 |
| Average earning assets | $53,866,600 | 6,381 |
| Average equity | $4,752,000 | 7,044 |
| Average total loans | $37,282,200 | 6,238 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4234% | 4,832 |
| Cost of funding earning assets | 2.2503% | 2,184 |
| Net interest margin | 3.1731% | 6,110 |
| Noninterest income to average assets | 0.2153% | 6,695 |
| Noninterest expense to average assets | 2.0861% | 7,219 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.5748% | 3,709 |
| Return on assets (ROA) | 0.5748% | 3,776 |
| Pretax return on assets | 1.0190% | 2,843 |
| Return on Equity (ROE) | 7.1197% | 3,017 |
| Retained earnings to average equity (ytd only) | -1.3899% | 5,582 |
| Net charge-offs to loans | -0.0404% | 7,837 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4454% | 5,299 |
| Assets per employee ($millions) | 5.5625% | 1,557 |
| Cash dividends to net income (ytd only)* | 119.5213% | 406 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1896% | 5,170 |
| Loan loss allowance to noncurrent loans | 4,400.0000% | 91 |
| Noncurrent assets plus other real estate owned to assets | 0.0180% | 7,546 |
| Noncurrent loans to loans | 0.0270% | 7,455 |
| Net loans and leases to total assets | 65.7019% | 4,488 |
| Net loans and leases to deposits | 82.4095% | 3,937 |
| Net loans and leases to core deposits | 95.6734% | 4,844 |
| Total domestic deposits to total assets | 79.7261% | 5,552 |
| Equity capital to assets | 7.8938% | 6,951 |
| Core capital (leverage) ratio | 7.7902% | 6,620 |
| Tier 1 risk-based capital ratio | 9.7868% | 7,146 |
| Total risk-based capital ratio | 10.7983% | 7,297 |
| Memoranda: | ||
| Average total assets | $58,224,250 | 6,456 |
| Average earning assets | $53,027,750 | 6,455 |
| Average equity | $4,700,500 | 7,109 |
| Average total loans | $36,316,750 | 6,328 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3271% | 5,520 |
| Cost of funding earning assets | 2.3265% | 2,253 |
| Net interest margin | 3.0006% | 6,554 |
| Noninterest income to average assets | 0.2062% | 6,816 |
| Noninterest expense to average assets | 2.1979% | 7,058 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.2900% | 4,940 |
| Return on assets (ROA) | 0.2900% | 5,048 |
| Pretax return on assets | 0.7303% | 3,899 |
| Return on Equity (ROE) | 3.5643% | 4,679 |
| Retained earnings to average equity (ytd only) | -9.3186% | 6,801 |
| Net charge-offs to loans | -0.0574% | 7,870 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2243% | 4,004 |
| Assets per employee ($millions) | 5.4067% | 1,660 |
| Cash dividends to net income (ytd only)* | 361.4458% | 100 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2850% | 4,367 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 62.3903% | 5,284 |
| Net loans and leases to deposits | 73.9782% | 5,456 |
| Net loans and leases to core deposits | 85.7665% | 5,927 |
| Total domestic deposits to total assets | 84.3360% | 3,578 |
| Equity capital to assets | 7.6336% | 7,149 |
| Core capital (leverage) ratio | 7.7588% | 6,665 |
| Tier 1 risk-based capital ratio | 10.1688% | 6,747 |
| Total risk-based capital ratio | 11.2574% | 6,846 |
| Memoranda: | ||
| Average total assets | $57,236,670 | 6,542 |
| Average earning assets | $51,923,330 | 6,556 |
| Average equity | $4,657,330 | 7,190 |
| Average total loans | $34,860,670 | 6,465 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2582% | 6,075 |
| Cost of funding earning assets | 2.3658% | 2,436 |
| Net interest margin | 2.8924% | 6,764 |
| Noninterest income to average assets | 0.1925% | 6,917 |
| Noninterest expense to average assets | 1.9744% | 7,410 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.3564% | 5,040 |
| Return on assets (ROA) | 0.3564% | 5,227 |
| Pretax return on assets | 0.8411% | 3,925 |
| Return on Equity (ROE) | 4.2409% | 4,823 |
| Retained earnings to average equity (ytd only) | -21.2044% | 7,682 |
| Net charge-offs to loans | -0.0597% | 7,750 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1139% | 4,754 |
| Assets per employee ($millions) | 5.3845% | 1,668 |
| Cash dividends to net income (ytd only)* | 600.0000% | 53 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4506% | 3,228 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 54.8262% | 6,383 |
| Net loans and leases to deposits | 62.3941% | 6,702 |
| Net loans and leases to core deposits | 72.0358% | 6,913 |
| Total domestic deposits to total assets | 87.8708% | 1,810 |
| Equity capital to assets | 7.6905% | 7,188 |
| Core capital (leverage) ratio | 7.8852% | 6,643 |
| Tier 1 risk-based capital ratio | 11.0401% | 5,873 |
| Total risk-based capital ratio | 12.2194% | 5,840 |
| Memoranda: | ||
| Average total assets | $56,118,000 | 6,630 |
| Average earning assets | $50,892,000 | 6,623 |
| Average equity | $4,716,000 | 7,218 |
| Average total loans | $33,496,500 | 6,562 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3904% | 3,468 |
| Cost of funding earning assets | 2.7722% | 2,823 |
| Net interest margin | 3.6183% | 4,803 |
| Noninterest income to average assets | 0.2206% | 6,865 |
| Noninterest expense to average assets | 1.8933% | 7,624 |
| Loan and lease loss provision to assets | 0.1074% | 5,999 |
| Net operating income to assets | 0.9753% | 2,664 |
| Return on assets (ROA) | 0.9994% | 2,440 |
| Pretax return on assets | 1.5211% | 1,620 |
| Return on Equity (ROE) | 11.6487% | 1,699 |
| Retained earnings to average equity (ytd only) | 5.5002% | 1,765 |
| Net charge-offs to loans | 0.0435% | 6,164 |
| Credit loss provision to net charge-offs | 400.0000% | 1,094 |
| Earnings coverage of net charge-offs (x) | 59.2857% | 674 |
| Efficiency ratio | 53.5498% | 7,323 |
| Assets per employee ($millions) | 4.8188% | 2,158 |
| Cash dividends to net income (ytd only)* | 52.7831% | 2,994 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3895% | 3,259 |
| Loan loss allowance to noncurrent loans | 9,460.0000% | 69 |
| Noncurrent assets plus other real estate owned to assets | 0.0094% | 7,593 |
| Noncurrent loans to loans | 0.0147% | 7,479 |
| Net loans and leases to total assets | 63.3294% | 5,396 |
| Net loans and leases to deposits | 75.2027% | 5,703 |
| Net loans and leases to core deposits | 86.7416% | 6,084 |
| Total domestic deposits to total assets | 84.2115% | 3,218 |
| Equity capital to assets | 9.2007% | 5,078 |
| Core capital (leverage) ratio | 8.6069% | 5,372 |
| Tier 1 risk-based capital ratio | 11.6899% | 5,064 |
| Total risk-based capital ratio | 12.8608% | 5,034 |
| Memoranda: | ||
| Average total assets | $52,131,800 | 6,689 |
| Average earning assets | $47,039,200 | 6,710 |
| Average equity | $4,472,600 | 7,340 |
| Average total loans | $32,213,800 | 6,599 |