Home > Commercial State Bank > Performance and Condition Ratios
Commercial State Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6722% | 1,726 |
| Cost of funding earning assets | 0.2096% | 4,360 |
| Net interest margin | 5.4625% | 164 |
| Noninterest income to average assets | 0.6600% | 1,146 |
| Noninterest expense to average assets | 3.4483% | 623 |
| Loan and lease loss provision to assets | 0.3900% | 259 |
| Net operating income to assets | 1.8623% | 562 |
| Return on assets (ROA) | 1.8623% | 561 |
| Pretax return on assets | 1.8623% | 861 |
| Return on Equity (ROE) | 19.8300% | 454 |
| Retained earnings to average equity (ytd only) | 19.8271% | 163 |
| Net charge-offs to loans | 0.7006% | 215 |
| Credit loss provision to net charge-offs | 144.7368% | 1,047 |
| Earnings coverage of net charge-offs (x) | 8.2763% | 1,780 |
| Efficiency ratio | 60.4403% | 2,911 |
| Assets per employee ($millions) | 4.3071% | 3,983 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6273% | 773 |
| Loan loss allowance to noncurrent loans | 50.0000% | 3,471 |
| Noncurrent assets plus other real estate owned to assets | 2.1180% | 202 |
| Noncurrent loans to loans | 3.2547% | 186 |
| Net loans and leases to total assets | 37.4300% | 4,044 |
| Net loans and leases to deposits | 41.4360% | 4,098 |
| Net loans and leases to core deposits | 41.6342% | 4,138 |
| Total domestic deposits to total assets | 90.3200% | 711 |
| Equity capital to assets | 9.2862% | 2,718 |
| Core capital (leverage) ratio | 11.2884% | 1,855 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.8369% | 339 |
| Memoranda: | ||
| Average total assets | $111,475,000 | 3,681 |
| Average earning assets | $103,029,500 | 3,676 |
| Average equity | $10,470,500 | 3,747 |
| Average total loans | $43,391,000 | 3,917 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6844% | 1,782 |
| Cost of funding earning assets | 0.2019% | 4,378 |
| Net interest margin | 5.4826% | 179 |
| Noninterest income to average assets | 0.7000% | 1,176 |
| Noninterest expense to average assets | 3.3927% | 674 |
| Loan and lease loss provision to assets | 0.5600% | 177 |
| Net operating income to assets | 1.8220% | 533 |
| Return on assets (ROA) | 1.8220% | 531 |
| Pretax return on assets | 1.8220% | 792 |
| Return on Equity (ROE) | 20.3900% | 379 |
| Retained earnings to average equity (ytd only) | 13.7294% | 182 |
| Net charge-offs to loans | 1.2495% | 119 |
| Credit loss provision to net charge-offs | 119.0019% | 1,678 |
| Earnings coverage of net charge-offs (x) | 5.0461% | 2,611 |
| Efficiency ratio | 58.7284% | 3,299 |
| Assets per employee ($millions) | 3.9503% | 4,105 |
| Cash dividends to net income (ytd only)* | 32.6531% | 2,470 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6127% | 778 |
| Loan loss allowance to noncurrent loans | 115.1007% | 2,837 |
| Noncurrent assets plus other real estate owned to assets | 0.5588% | 1,292 |
| Noncurrent loans to loans | 1.4011% | 706 |
| Net loans and leases to total assets | 39.2400% | 4,030 |
| Net loans and leases to deposits | 43.5437% | 4,083 |
| Net loans and leases to core deposits | 43.7714% | 4,137 |
| Total domestic deposits to total assets | 90.1100% | 786 |
| Equity capital to assets | 9.5088% | 2,443 |
| Core capital (leverage) ratio | 11.2107% | 1,832 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.5760% | 351 |
| Memoranda: | ||
| Average total assets | $110,265,400 | 3,694 |
| Average earning assets | $102,050,400 | 3,680 |
| Average equity | $9,854,800 | 3,771 |
| Average total loans | $41,696,200 | 3,936 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6489% | 1,808 |
| Cost of funding earning assets | 0.1966% | 4,422 |
| Net interest margin | 5.4523% | 196 |
| Noninterest income to average assets | 0.7000% | 1,135 |
| Noninterest expense to average assets | 3.2323% | 801 |
| Loan and lease loss provision to assets | 0.4400% | 218 |
| Net operating income to assets | 2.0773% | 381 |
| Return on assets (ROA) | 2.0773% | 385 |
| Pretax return on assets | 2.0773% | 568 |
| Return on Equity (ROE) | 23.6000% | 243 |
| Retained earnings to average equity (ytd only) | 20.8383% | 90 |
| Net charge-offs to loans | 0.8003% | 172 |
| Credit loss provision to net charge-offs | 148.5944% | 1,302 |
| Earnings coverage of net charge-offs (x) | 8.4418% | 2,215 |
| Efficiency ratio | 56.1809% | 3,540 |
| Assets per employee ($millions) | 3.9774% | 4,127 |
| Cash dividends to net income (ytd only)* | 11.7206% | 2,781 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6526% | 734 |
| Loan loss allowance to noncurrent loans | 66.9187% | 3,381 |
| Noncurrent assets plus other real estate owned to assets | 0.9500% | 713 |
| Noncurrent loans to loans | 2.4695% | 288 |
| Net loans and leases to total assets | 37.8300% | 4,089 |
| Net loans and leases to deposits | 42.1606% | 4,153 |
| Net loans and leases to core deposits | 42.3726% | 4,195 |
| Total domestic deposits to total assets | 89.7400% | 665 |
| Equity capital to assets | 9.7561% | 2,450 |
| Core capital (leverage) ratio | 11.2332% | 1,904 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.2681% | 371 |
| Memoranda: | ||
| Average total assets | $111,167,000 | 3,693 |
| Average earning assets | $103,098,000 | 3,688 |
| Average equity | $9,783,000 | 3,795 |
| Average total loans | $41,485,750 | 3,952 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5195% | 1,936 |
| Cost of funding earning assets | 0.1917% | 4,428 |
| Net interest margin | 5.3278% | 222 |
| Noninterest income to average assets | 0.6600% | 1,224 |
| Noninterest expense to average assets | 3.1323% | 914 |
| Loan and lease loss provision to assets | 0.1400% | 838 |
| Net operating income to assets | 2.3366% | 281 |
| Return on assets (ROA) | 2.3366% | 282 |
| Pretax return on assets | 2.3366% | 406 |
| Return on Equity (ROE) | 27.5500% | 166 |
| Retained earnings to average equity (ytd only) | 24.3889% | 71 |
| Net charge-offs to loans | -0.1462% | 4,487 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 55.8050% | 3,592 |
| Assets per employee ($millions) | 4.5107% | 3,906 |
| Cash dividends to net income (ytd only)* | 11.4792% | 2,716 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6531% | 753 |
| Loan loss allowance to noncurrent loans | 76.6777% | 3,314 |
| Noncurrent assets plus other real estate owned to assets | 0.8061% | 796 |
| Noncurrent loans to loans | 2.1560% | 333 |
| Net loans and leases to total assets | 36.7700% | 4,129 |
| Net loans and leases to deposits | 40.4556% | 4,193 |
| Net loans and leases to core deposits | 40.7546% | 4,223 |
| Total domestic deposits to total assets | 90.8900% | 480 |
| Equity capital to assets | 8.6496% | 2,994 |
| Core capital (leverage) ratio | 10.9800% | 2,029 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.4424% | 361 |
| Memoranda: | ||
| Average total assets | $111,100,667 | 3,703 |
| Average earning assets | $103,306,333 | 3,696 |
| Average equity | $9,422,333 | 3,813 |
| Average total loans | $41,033,667 | 3,972 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4513% | 1,908 |
| Cost of funding earning assets | 0.1801% | 4,452 |
| Net interest margin | 5.2712% | 235 |
| Noninterest income to average assets | 0.6600% | 1,157 |
| Noninterest expense to average assets | 3.1016% | 967 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 2.4377% | 260 |
| Return on assets (ROA) | 2.4377% | 259 |
| Pretax return on assets | 2.4377% | 358 |
| Return on Equity (ROE) | 29.0400% | 154 |
| Retained earnings to average equity (ytd only) | 26.6623% | 80 |
| Net charge-offs to loans | -1.3838% | 4,592 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 55.9921% | 3,599 |
| Assets per employee ($millions) | 4.4018% | 3,989 |
| Cash dividends to net income (ytd only)* | 8.1845% | 2,181 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7531% | 594 |
| Loan loss allowance to noncurrent loans | 96.0370% | 3,172 |
| Noncurrent assets plus other real estate owned to assets | 0.6614% | 963 |
| Noncurrent loans to loans | 1.8255% | 380 |
| Net loans and leases to total assets | 35.6000% | 4,160 |
| Net loans and leases to deposits | 39.0200% | 4,196 |
| Net loans and leases to core deposits | 39.2078% | 4,290 |
| Total domestic deposits to total assets | 91.2300% | 472 |
| Equity capital to assets | 8.3218% | 3,139 |
| Core capital (leverage) ratio | 10.5500% | 2,294 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.6140% | 402 |
| Memoranda: | ||
| Average total assets | $110,267,000 | 3,725 |
| Average earning assets | $102,140,500 | 3,727 |
| Average equity | $9,256,500 | 3,844 |
| Average total loans | $40,469,500 | 3,993 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7472% | 2,579 |
| Cost of funding earning assets | 0.1299% | 4,473 |
| Net interest margin | 4.6173% | 515 |
| Noninterest income to average assets | 0.7000% | 1,184 |
| Noninterest expense to average assets | 3.0862% | 981 |
| Loan and lease loss provision to assets | 0.5000% | 183 |
| Net operating income to assets | 1.4193% | 1,182 |
| Return on assets (ROA) | 1.4053% | 1,183 |
| Pretax return on assets | 1.4053% | 1,622 |
| Return on Equity (ROE) | 19.3900% | 672 |
| Retained earnings to average equity (ytd only) | 13.0067% | 506 |
| Net charge-offs to loans | 1.0147% | 102 |
| Credit loss provision to net charge-offs | 144.2359% | 1,503 |
| Earnings coverage of net charge-offs (x) | 5.5282% | 2,524 |
| Efficiency ratio | 61.6443% | 2,881 |
| Assets per employee ($millions) | 4.0803% | 4,131 |
| Cash dividends to net income (ytd only)* | 32.9357% | 2,437 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4872% | 1,093 |
| Loan loss allowance to noncurrent loans | 86.5782% | 3,340 |
| Noncurrent assets plus other real estate owned to assets | 0.6391% | 850 |
| Noncurrent loans to loans | 1.7178% | 360 |
| Net loans and leases to total assets | 36.6500% | 4,136 |
| Net loans and leases to deposits | 40.2520% | 4,195 |
| Net loans and leases to core deposits | 40.4614% | 4,277 |
| Total domestic deposits to total assets | 91.0600% | 491 |
| Equity capital to assets | 8.4732% | 3,072 |
| Core capital (leverage) ratio | 10.6268% | 2,238 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.9166% | 377 |
| Memoranda: | ||
| Average total assets | $107,380,600 | 3,761 |
| Average earning assets | $100,079,800 | 3,745 |
| Average equity | $7,780,600 | 3,956 |
| Average total loans | $36,759,200 | 4,044 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6159% | 2,642 |
| Cost of funding earning assets | 0.1217% | 4,499 |
| Net interest margin | 4.4942% | 620 |
| Noninterest income to average assets | 0.6700% | 1,281 |
| Noninterest expense to average assets | 2.9748% | 1,106 |
| Loan and lease loss provision to assets | 0.4300% | 185 |
| Net operating income to assets | 1.4756% | 1,174 |
| Return on assets (ROA) | 1.4570% | 1,186 |
| Pretax return on assets | 1.4570% | 1,656 |
| Return on Equity (ROE) | 20.9800% | 643 |
| Retained earnings to average equity (ytd only) | 16.3487% | 437 |
| Net charge-offs to loans | 0.7427% | 121 |
| Credit loss provision to net charge-offs | 173.1343% | 1,218 |
| Earnings coverage of net charge-offs (x) | 7.6617% | 2,226 |
| Efficiency ratio | 60.9434% | 2,849 |
| Assets per employee ($millions) | 3.8819% | 4,208 |
| Cash dividends to net income (ytd only)* | 22.0901% | 2,381 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4770% | 1,172 |
| Loan loss allowance to noncurrent loans | 65.8565% | 3,504 |
| Noncurrent assets plus other real estate owned to assets | 0.8560% | 640 |
| Noncurrent loans to loans | 2.2428% | 236 |
| Net loans and leases to total assets | 37.6100% | 4,132 |
| Net loans and leases to deposits | 40.9435% | 4,183 |
| Net loans and leases to core deposits | 41.3048% | 4,233 |
| Total domestic deposits to total assets | 91.8500% | 484 |
| Equity capital to assets | 7.3695% | 3,437 |
| Core capital (leverage) ratio | 10.4269% | 2,459 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.7111% | 397 |
| Memoranda: | ||
| Average total assets | $107,703,750 | 3,777 |
| Average earning assets | $100,809,250 | 3,750 |
| Average equity | $7,478,500 | 3,998 |
| Average total loans | $36,081,500 | 4,066 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4372% | 2,797 |
| Cost of funding earning assets | 0.1107% | 4,510 |
| Net interest margin | 4.3265% | 777 |
| Noninterest income to average assets | 0.6600% | 1,238 |
| Noninterest expense to average assets | 2.9574% | 1,114 |
| Loan and lease loss provision to assets | 0.4000% | 206 |
| Net operating income to assets | 1.3532% | 1,444 |
| Return on assets (ROA) | 1.3259% | 1,486 |
| Pretax return on assets | 1.3259% | 2,000 |
| Return on Equity (ROE) | 19.4600% | 771 |
| Retained earnings to average equity (ytd only) | 16.2573% | 443 |
| Net charge-offs to loans | 0.5841% | 140 |
| Credit loss provision to net charge-offs | 211.6505% | 1,026 |
| Earnings coverage of net charge-offs (x) | 9.3398% | 2,023 |
| Efficiency ratio | 62.8284% | 2,612 |
| Assets per employee ($millions) | 4.1741% | 4,109 |
| Cash dividends to net income (ytd only)* | 16.4609% | 2,557 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4669% | 1,287 |
| Loan loss allowance to noncurrent loans | 78.1659% | 3,443 |
| Noncurrent assets plus other real estate owned to assets | 0.6583% | 803 |
| Noncurrent loans to loans | 1.8766% | 313 |
| Net loans and leases to total assets | 34.5700% | 4,225 |
| Net loans and leases to deposits | 37.5441% | 4,264 |
| Net loans and leases to core deposits | 37.8637% | 4,294 |
| Total domestic deposits to total assets | 92.0700% | 400 |
| Equity capital to assets | 7.2984% | 3,636 |
| Core capital (leverage) ratio | 10.1601% | 2,604 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.1555% | 385 |
| Memoranda: | ||
| Average total assets | $109,962,000 | 3,772 |
| Average earning assets | $102,947,333 | 3,750 |
| Average equity | $7,492,000 | 4,016 |
| Average total loans | $35,267,333 | 4,090 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4016% | 2,545 |
| Cost of funding earning assets | 0.0984% | 4,537 |
| Net interest margin | 4.3032% | 799 |
| Noninterest income to average assets | 0.6400% | 1,279 |
| Noninterest expense to average assets | 2.7880% | 1,458 |
| Loan and lease loss provision to assets | 0.1100% | 1,010 |
| Net operating income to assets | 1.7771% | 703 |
| Return on assets (ROA) | 1.7239% | 778 |
| Pretax return on assets | 1.7239% | 1,226 |
| Return on Equity (ROE) | 26.1600% | 356 |
| Retained earnings to average equity (ytd only) | 22.5034% | 271 |
| Net charge-offs to loans | -0.4625% | 4,653 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 59.6811% | 2,996 |
| Assets per employee ($millions) | 4.2964% | 4,128 |
| Cash dividends to net income (ytd only)* | 13.9918% | 2,108 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4174% | 1,557 |
| Loan loss allowance to noncurrent loans | 220.6278% | 2,555 |
| Noncurrent assets plus other real estate owned to assets | 0.2076% | 2,097 |
| Noncurrent loans to loans | 0.6424% | 1,172 |
| Net loans and leases to total assets | 31.8600% | 4,323 |
| Net loans and leases to deposits | 34.5674% | 4,362 |
| Net loans and leases to core deposits | 34.8529% | 4,386 |
| Total domestic deposits to total assets | 92.1700% | 480 |
| Equity capital to assets | 7.2526% | 3,699 |
| Core capital (leverage) ratio | 9.0411% | 3,703 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.6413% | 369 |
| Memoranda: | ||
| Average total assets | $112,767,000 | 3,795 |
| Average earning assets | $105,689,000 | 3,765 |
| Average equity | $7,430,000 | 4,073 |
| Average total loans | $34,596,500 | 4,160 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3547% | 3,463 |
| Cost of funding earning assets | 0.0870% | 4,445 |
| Net interest margin | 3.2677% | 2,655 |
| Noninterest income to average assets | 0.6600% | 1,421 |
| Noninterest expense to average assets | 2.6786% | 1,612 |
| Loan and lease loss provision to assets | -0.2700% | 4,656 |
| Net operating income to assets | 1.3147% | 1,379 |
| Return on assets (ROA) | 1.2946% | 1,412 |
| Pretax return on assets | 1.2946% | 2,106 |
| Return on Equity (ROE) | 19.4900% | 522 |
| Retained earnings to average equity (ytd only) | 10.0512% | 1,129 |
| Net charge-offs to loans | -0.7765% | 4,717 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 71.8757% | 1,457 |
| Assets per employee ($millions) | 4.7250% | 3,871 |
| Cash dividends to net income (ytd only)* | 48.4417% | 1,482 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2239% | 2,275 |
| Loan loss allowance to noncurrent loans | 170.8502% | 2,838 |
| Noncurrent assets plus other real estate owned to assets | 0.2091% | 2,122 |
| Noncurrent loans to loans | 0.7163% | 1,050 |
| Net loans and leases to total assets | 28.8300% | 4,413 |
| Net loans and leases to deposits | 30.8140% | 4,458 |
| Net loans and leases to core deposits | 31.0417% | 4,473 |
| Total domestic deposits to total assets | 93.5700% | 297 |
| Equity capital to assets | 5.9852% | 4,093 |
| Core capital (leverage) ratio | 8.6552% | 3,998 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.4775% | 392 |
| Memoranda: | ||
| Average total assets | $114,016,000 | 3,789 |
| Average earning assets | $106,863,600 | 3,762 |
| Average equity | $7,571,200 | 4,142 |
| Average total loans | $35,287,800 | 4,151 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1010% | 3,675 |
| Cost of funding earning assets | 0.0920% | 4,338 |
| Net interest margin | 3.0090% | 3,199 |
| Noninterest income to average assets | 0.6800% | 1,395 |
| Noninterest expense to average assets | 2.5618% | 1,821 |
| Loan and lease loss provision to assets | -0.3600% | 4,719 |
| Net operating income to assets | 1.2921% | 1,375 |
| Return on assets (ROA) | 1.2650% | 1,438 |
| Pretax return on assets | 1.2650% | 2,155 |
| Return on Equity (ROE) | 18.5700% | 570 |
| Retained earnings to average equity (ytd only) | 14.1359% | 448 |
| Net charge-offs to loans | -1.1233% | 4,761 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 73.2951% | 1,351 |
| Assets per employee ($millions) | 4.6457% | 3,943 |
| Cash dividends to net income (ytd only)* | 23.8806% | 2,309 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2865% | 2,099 |
| Loan loss allowance to noncurrent loans | 32.9889% | 3,880 |
| Noncurrent assets plus other real estate owned to assets | 1.1667% | 365 |
| Noncurrent loans to loans | 3.8998% | 99 |
| Net loans and leases to total assets | 29.5300% | 4,433 |
| Net loans and leases to deposits | 31.4323% | 4,476 |
| Net loans and leases to core deposits | 31.7424% | 4,483 |
| Total domestic deposits to total assets | 93.9500% | 372 |
| Equity capital to assets | 5.5019% | 4,131 |
| Core capital (leverage) ratio | 8.6943% | 3,883 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.2859% | 372 |
| Memoranda: | ||
| Average total assets | $112,989,000 | 3,823 |
| Average earning assets | $105,769,000 | 3,798 |
| Average equity | $7,696,500 | 4,170 |
| Average total loans | $35,489,500 | 4,169 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9331% | 3,715 |
| Cost of funding earning assets | 0.0956% | 4,235 |
| Net interest margin | 2.8375% | 3,319 |
| Noninterest income to average assets | 0.6932% | 1,369 |
| Noninterest expense to average assets | 2.5496% | 1,779 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.7951% | 2,971 |
| Return on assets (ROA) | 0.7540% | 3,083 |
| Pretax return on assets | 0.7540% | 3,441 |
| Return on Equity (ROE) | 10.3788% | 2,195 |
| Retained earnings to average equity (ytd only) | 5.8534% | 2,385 |
| Net charge-offs to loans | -1.6509% | 4,728 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2286% | 1,253 |
| Assets per employee ($millions) | 4.9014% | 3,766 |
| Cash dividends to net income (ytd only)* | 43.6019% | 1,586 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1265% | 426 |
| Loan loss allowance to noncurrent loans | 74.0337% | 3,605 |
| Noncurrent assets plus other real estate owned to assets | 0.8950% | 563 |
| Noncurrent loans to loans | 2.8724% | 180 |
| Net loans and leases to total assets | 30.4980% | 4,446 |
| Net loans and leases to deposits | 32.5368% | 4,484 |
| Net loans and leases to core deposits | 32.8681% | 4,510 |
| Total domestic deposits to total assets | 93.7338% | 331 |
| Equity capital to assets | 5.6559% | 4,317 |
| Core capital (leverage) ratio | 8.3708% | 4,059 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.0315% | 418 |
| Memoranda: | ||
| Average total assets | $111,938,000 | 3,878 |
| Average earning assets | $104,598,000 | 3,863 |
| Average equity | $8,132,000 | 4,189 |
| Average total loans | $35,737,667 | 4,219 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9214% | 3,480 |
| Cost of funding earning assets | 0.0960% | 4,184 |
| Net interest margin | 2.8254% | 3,059 |
| Noninterest income to average assets | 0.6993% | 1,318 |
| Noninterest expense to average assets | 2.4493% | 2,021 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.8894% | 2,320 |
| Return on assets (ROA) | 0.8069% | 2,630 |
| Pretax return on assets | 0.8069% | 3,096 |
| Return on Equity (ROE) | 9.9889% | 1,971 |
| Retained earnings to average equity (ytd only) | 6.0821% | 2,227 |
| Net charge-offs to loans | -3.2739% | 4,760 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3620% | 1,814 |
| Assets per employee ($millions) | 4.7336% | 3,976 |
| Cash dividends to net income (ytd only)* | 39.1111% | 1,524 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1017% | 518 |
| Loan loss allowance to noncurrent loans | 86.3584% | 3,508 |
| Noncurrent assets plus other real estate owned to assets | 0.7614% | 729 |
| Noncurrent loans to loans | 2.4337% | 255 |
| Net loans and leases to total assets | 30.6287% | 4,428 |
| Net loans and leases to deposits | 33.2359% | 4,457 |
| Net loans and leases to core deposits | 33.9205% | 4,479 |
| Total domestic deposits to total assets | 92.1553% | 518 |
| Equity capital to assets | 7.1607% | 4,118 |
| Core capital (leverage) ratio | 8.3099% | 4,063 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.7210% | 449 |
| Memoranda: | ||
| Average total assets | $111,541,000 | 3,895 |
| Average earning assets | $104,197,500 | 3,883 |
| Average equity | $9,010,000 | 4,160 |
| Average total loans | $36,042,500 | 4,231 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2063% | 3,457 |
| Cost of funding earning assets | 0.1183% | 4,240 |
| Net interest margin | 3.0880% | 2,946 |
| Noninterest income to average assets | 0.9583% | 1,080 |
| Noninterest expense to average assets | 2.8361% | 1,275 |
| Loan and lease loss provision to assets | -0.0951% | 4,518 |
| Net operating income to assets | 1.0962% | 2,305 |
| Return on assets (ROA) | 1.0962% | 2,373 |
| Pretax return on assets | 1.0962% | 2,981 |
| Return on Equity (ROE) | 12.0099% | 1,814 |
| Retained earnings to average equity (ytd only) | 3.8019% | 3,293 |
| Net charge-offs to loans | -0.0925% | 4,563 |
| Credit loss provision to net charge-offs | 285.7143% | 1,093 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.9098% | 1,316 |
| Assets per employee ($millions) | 4.7598% | 3,920 |
| Cash dividends to net income (ytd only)* | 68.3435% | 797 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2369% | 2,695 |
| Loan loss allowance to noncurrent loans | 25.0832% | 4,057 |
| Noncurrent assets plus other real estate owned to assets | 1.6460% | 240 |
| Noncurrent loans to loans | 4.9313% | 75 |
| Net loans and leases to total assets | 32.9661% | 4,412 |
| Net loans and leases to deposits | 36.5317% | 4,458 |
| Net loans and leases to core deposits | 37.3293% | 4,485 |
| Total domestic deposits to total assets | 90.2399% | 848 |
| Equity capital to assets | 9.0294% | 3,591 |
| Core capital (leverage) ratio | 8.3705% | 4,048 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.7071% | 513 |
| Memoranda: | ||
| Average total assets | $105,181,000 | 3,941 |
| Average earning assets | $98,057,800 | 3,925 |
| Average equity | $9,600,400 | 4,183 |
| Average total loans | $37,856,800 | 4,233 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2998% | 3,390 |
| Cost of funding earning assets | 0.1237% | 4,316 |
| Net interest margin | 3.1760% | 2,807 |
| Noninterest income to average assets | 1.0399% | 1,001 |
| Noninterest expense to average assets | 2.7433% | 1,479 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.2551% | 1,969 |
| Return on assets (ROA) | 1.2551% | 2,038 |
| Pretax return on assets | 1.2551% | 2,756 |
| Return on Equity (ROE) | 13.7118% | 1,477 |
| Retained earnings to average equity (ytd only) | 8.8707% | 1,747 |
| Net charge-offs to loans | -0.0873% | 4,564 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6099% | 1,746 |
| Assets per employee ($millions) | 4.8934% | 3,799 |
| Cash dividends to net income (ytd only)* | 35.3061% | 1,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4530% | 1,804 |
| Loan loss allowance to noncurrent loans | 18.6961% | 4,188 |
| Noncurrent assets plus other real estate owned to assets | 2.6929% | 112 |
| Noncurrent loans to loans | 7.7715% | 31 |
| Net loans and leases to total assets | 34.1470% | 4,461 |
| Net loans and leases to deposits | 38.0939% | 4,519 |
| Net loans and leases to core deposits | 38.9450% | 4,544 |
| Total domestic deposits to total assets | 89.6391% | 945 |
| Equity capital to assets | 9.6419% | 3,258 |
| Core capital (leverage) ratio | 8.9200% | 3,642 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.8749% | 494 |
| Memoranda: | ||
| Average total assets | $104,107,250 | 4,007 |
| Average earning assets | $96,973,500 | 3,987 |
| Average equity | $9,529,250 | 4,245 |
| Average total loans | $38,185,500 | 4,288 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4153% | 3,135 |
| Cost of funding earning assets | 0.1275% | 4,370 |
| Net interest margin | 3.2878% | 2,483 |
| Noninterest income to average assets | 0.8200% | 1,478 |
| Noninterest expense to average assets | 2.7904% | 1,376 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.0862% | 2,589 |
| Return on assets (ROA) | 1.0862% | 2,662 |
| Pretax return on assets | 1.0862% | 3,261 |
| Return on Equity (ROE) | 12.0922% | 2,018 |
| Retained earnings to average equity (ytd only) | 6.6842% | 2,546 |
| Net charge-offs to loans | -0.0832% | 4,568 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9799% | 1,439 |
| Assets per employee ($millions) | 4.8244% | 3,814 |
| Cash dividends to net income (ytd only)* | 44.7227% | 1,405 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3522% | 2,178 |
| Loan loss allowance to noncurrent loans | 32.8202% | 4,134 |
| Noncurrent assets plus other real estate owned to assets | 1.5301% | 362 |
| Noncurrent loans to loans | 4.1200% | 130 |
| Net loans and leases to total assets | 36.6357% | 4,439 |
| Net loans and leases to deposits | 40.8060% | 4,498 |
| Net loans and leases to core deposits | 41.7277% | 4,523 |
| Total domestic deposits to total assets | 89.7802% | 881 |
| Equity capital to assets | 9.5113% | 3,318 |
| Core capital (leverage) ratio | 8.6137% | 3,868 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.7870% | 553 |
| Memoranda: | ||
| Average total assets | $102,924,667 | 4,039 |
| Average earning assets | $95,687,667 | 4,024 |
| Average equity | $9,245,667 | 4,297 |
| Average total loans | $38,479,667 | 4,315 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0639% | 3,958 |
| Cost of funding earning assets | 0.1358% | 4,409 |
| Net interest margin | 2.9281% | 3,442 |
| Noninterest income to average assets | 0.8725% | 1,403 |
| Noninterest expense to average assets | 2.8504% | 1,253 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.7462% | 3,582 |
| Return on assets (ROA) | 0.7462% | 3,654 |
| Pretax return on assets | 0.7462% | 3,920 |
| Return on Equity (ROE) | 8.5705% | 3,163 |
| Retained earnings to average equity (ytd only) | 0.6802% | 4,273 |
| Net charge-offs to loans | -0.0631% | 4,485 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.2536% | 871 |
| Assets per employee ($millions) | 4.5228% | 4,082 |
| Cash dividends to net income (ytd only)* | 92.0635% | 476 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3471% | 2,210 |
| Loan loss allowance to noncurrent loans | 42.5203% | 4,076 |
| Noncurrent assets plus other real estate owned to assets | 1.1824% | 634 |
| Noncurrent loans to loans | 3.1681% | 238 |
| Net loans and leases to total assets | 36.8203% | 4,468 |
| Net loans and leases to deposits | 40.4597% | 4,550 |
| Net loans and leases to core deposits | 41.3785% | 4,579 |
| Total domestic deposits to total assets | 91.0050% | 393 |
| Equity capital to assets | 8.2760% | 4,305 |
| Core capital (leverage) ratio | 7.7815% | 4,684 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.7862% | 699 |
| Memoranda: | ||
| Average total assets | $101,318,500 | 4,058 |
| Average earning assets | $94,259,500 | 4,047 |
| Average equity | $8,821,000 | 4,357 |
| Average total loans | $38,011,000 | 4,342 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0626% | 2,539 |
| Cost of funding earning assets | 0.2031% | 4,575 |
| Net interest margin | 3.8596% | 1,332 |
| Noninterest income to average assets | 0.7891% | 1,564 |
| Noninterest expense to average assets | 3.1618% | 1,123 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 1.2290% | 1,449 |
| Return on assets (ROA) | 1.3853% | 1,146 |
| Pretax return on assets | 1.3853% | 1,704 |
| Return on Equity (ROE) | 15.1313% | 624 |
| Retained earnings to average equity (ytd only) | 9.1030% | 743 |
| Net charge-offs to loans | 0.0702% | 1,790 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | 41.0741% | 1,361 |
| Efficiency ratio | 72.0091% | 1,681 |
| Assets per employee ($millions) | 4.4824% | 3,928 |
| Cash dividends to net income (ytd only)* | 39.8400% | 2,372 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3899% | 2,010 |
| Loan loss allowance to noncurrent loans | 67.9369% | 3,773 |
| Noncurrent assets plus other real estate owned to assets | 0.7717% | 1,332 |
| Noncurrent loans to loans | 2.0459% | 551 |
| Net loans and leases to total assets | 37.1959% | 4,556 |
| Net loans and leases to deposits | 41.2612% | 4,626 |
| Net loans and leases to core deposits | 42.2590% | 4,645 |
| Total domestic deposits to total assets | 90.1473% | 507 |
| Equity capital to assets | 9.1600% | 3,930 |
| Core capital (leverage) ratio | 8.0415% | 4,605 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.7341% | 690 |
| Memoranda: | ||
| Average total assets | $90,232,600 | 4,118 |
| Average earning assets | $84,206,600 | 4,094 |
| Average equity | $8,261,000 | 4,394 |
| Average total loans | $38,479,400 | 4,339 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2840% | 2,148 |
| Cost of funding earning assets | 0.2202% | 4,606 |
| Net interest margin | 4.0639% | 965 |
| Noninterest income to average assets | 0.7912% | 1,532 |
| Noninterest expense to average assets | 3.0800% | 1,272 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 1.5082% | 888 |
| Return on assets (ROA) | 1.7215% | 613 |
| Pretax return on assets | 1.7215% | 922 |
| Return on Equity (ROE) | 18.8063% | 305 |
| Retained earnings to average equity (ytd only) | 15.3855% | 180 |
| Net charge-offs to loans | 0.0997% | 1,315 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 34.3793% | 1,478 |
| Efficiency ratio | 67.1283% | 2,298 |
| Assets per employee ($millions) | 4.3952% | 3,961 |
| Cash dividends to net income (ytd only)* | 18.1898% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2714% | 2,286 |
| Loan loss allowance to noncurrent loans | 66.9701% | 3,780 |
| Noncurrent assets plus other real estate owned to assets | 0.7953% | 1,449 |
| Noncurrent loans to loans | 1.8984% | 669 |
| Net loans and leases to total assets | 41.3604% | 4,520 |
| Net loans and leases to deposits | 46.0696% | 4,604 |
| Net loans and leases to core deposits | 47.0705% | 4,644 |
| Total domestic deposits to total assets | 89.7781% | 508 |
| Equity capital to assets | 9.4442% | 3,725 |
| Core capital (leverage) ratio | 8.2855% | 4,470 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.0208% | 582 |
| Memoranda: | ||
| Average total assets | $88,137,500 | 4,147 |
| Average earning assets | $82,350,000 | 4,125 |
| Average equity | $8,068,000 | 4,432 |
| Average total loans | $38,800,000 | 4,361 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6761% | 1,458 |
| Cost of funding earning assets | 0.2392% | 4,654 |
| Net interest margin | 4.4369% | 568 |
| Noninterest income to average assets | 0.6472% | 1,942 |
| Noninterest expense to average assets | 3.1799% | 1,196 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.5993% | 761 |
| Return on assets (ROA) | 1.9300% | 428 |
| Pretax return on assets | 1.9300% | 638 |
| Return on Equity (ROE) | 21.3397% | 188 |
| Retained earnings to average equity (ytd only) | 17.6577% | 127 |
| Net charge-offs to loans | -0.0209% | 4,416 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5358% | 2,439 |
| Assets per employee ($millions) | 4.2224% | 4,081 |
| Cash dividends to net income (ytd only)* | 17.2539% | 2,847 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3563% | 1,740 |
| Loan loss allowance to noncurrent loans | 50.8349% | 4,048 |
| Noncurrent assets plus other real estate owned to assets | 1.1605% | 952 |
| Noncurrent loans to loans | 2.6681% | 413 |
| Net loans and leases to total assets | 42.9047% | 4,502 |
| Net loans and leases to deposits | 47.8687% | 4,598 |
| Net loans and leases to core deposits | 48.9511% | 4,645 |
| Total domestic deposits to total assets | 89.6299% | 515 |
| Equity capital to assets | 9.4185% | 3,728 |
| Core capital (leverage) ratio | 8.4274% | 4,456 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.2907% | 867 |
| Memoranda: | ||
| Average total assets | $85,285,333 | 4,191 |
| Average earning assets | $79,425,000 | 4,177 |
| Average equity | $7,713,333 | 4,494 |
| Average total loans | $38,230,667 | 4,381 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5067% | 2,298 |
| Cost of funding earning assets | 0.2639% | 4,742 |
| Net interest margin | 4.2428% | 842 |
| Noninterest income to average assets | 0.8444% | 1,174 |
| Noninterest expense to average assets | 3.3283% | 1,175 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.4629% | 850 |
| Return on assets (ROA) | 2.1551% | 218 |
| Pretax return on assets | 2.1551% | 329 |
| Return on Equity (ROE) | 24.4041% | 75 |
| Retained earnings to average equity (ytd only) | 20.4016% | 61 |
| Net charge-offs to loans | -0.2046% | 4,941 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4672% | 2,434 |
| Assets per employee ($millions) | 3.7096% | 4,265 |
| Cash dividends to net income (ytd only)* | 16.4009% | 2,400 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5478% | 1,198 |
| Loan loss allowance to noncurrent loans | 104.0665% | 3,180 |
| Noncurrent assets plus other real estate owned to assets | 0.6629% | 2,016 |
| Noncurrent loans to loans | 1.4873% | 1,074 |
| Net loans and leases to total assets | 43.8813% | 4,508 |
| Net loans and leases to deposits | 48.4398% | 4,643 |
| Net loans and leases to core deposits | 49.6740% | 4,686 |
| Total domestic deposits to total assets | 90.5895% | 171 |
| Equity capital to assets | 8.4302% | 4,862 |
| Core capital (leverage) ratio | 9.0627% | 4,411 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.8643% | 762 |
| Memoranda: | ||
| Average total assets | $81,482,000 | 4,250 |
| Average earning assets | $75,799,000 | 4,229 |
| Average equity | $7,195,500 | 4,583 |
| Average total loans | $37,144,500 | 4,429 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6934% | 2,351 |
| Cost of funding earning assets | 0.2702% | 4,801 |
| Net interest margin | 4.4232% | 853 |
| Noninterest income to average assets | 1.0452% | 868 |
| Noninterest expense to average assets | 3.3789% | 1,153 |
| Loan and lease loss provision to assets | 0.4563% | 297 |
| Net operating income to assets | 1.2934% | 1,717 |
| Return on assets (ROA) | 1.2776% | 1,857 |
| Pretax return on assets | 1.2776% | 2,583 |
| Return on Equity (ROE) | 15.0090% | 687 |
| Retained earnings to average equity (ytd only) | 9.8202% | 529 |
| Net charge-offs to loans | 1.3282% | 111 |
| Credit loss provision to net charge-offs | 72.6744% | 2,876 |
| Earnings coverage of net charge-offs (x) | 2.7868% | 3,378 |
| Efficiency ratio | 65.8837% | 2,790 |
| Assets per employee ($millions) | 3.6979% | 4,270 |
| Cash dividends to net income (ytd only)* | 34.5714% | 2,875 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4348% | 1,411 |
| Loan loss allowance to noncurrent loans | 102.0638% | 3,259 |
| Noncurrent assets plus other real estate owned to assets | 0.9305% | 1,367 |
| Noncurrent loans to loans | 1.4058% | 1,040 |
| Net loans and leases to total assets | 45.9356% | 4,525 |
| Net loans and leases to deposits | 51.0959% | 4,644 |
| Net loans and leases to core deposits | 52.4087% | 4,692 |
| Total domestic deposits to total assets | 89.9008% | 351 |
| Equity capital to assets | 9.2326% | 4,544 |
| Core capital (leverage) ratio | 8.4671% | 4,858 |
| Tier 1 risk-based capital ratio | 17.5657% | 1,873 |
| Total risk-based capital ratio | 18.8177% | 1,824 |
| Memoranda: | ||
| Average total assets | $82,187,400 | 4,255 |
| Average earning assets | $75,872,800 | 4,257 |
| Average equity | $6,995,800 | 4,640 |
| Average total loans | $38,849,200 | 4,430 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6773% | 2,485 |
| Cost of funding earning assets | 0.2719% | 4,867 |
| Net interest margin | 4.4053% | 935 |
| Noninterest income to average assets | 1.0437% | 851 |
| Noninterest expense to average assets | 3.2541% | 1,369 |
| Loan and lease loss provision to assets | 0.2427% | 681 |
| Net operating income to assets | 1.6101% | 911 |
| Return on assets (ROA) | 1.5890% | 1,003 |
| Pretax return on assets | 1.5890% | 1,677 |
| Return on Equity (ROE) | 19.0666% | 309 |
| Retained earnings to average equity (ytd only) | 14.7173% | 167 |
| Net charge-offs to loans | 0.6209% | 261 |
| Credit loss provision to net charge-offs | 82.4176% | 2,474 |
| Earnings coverage of net charge-offs (x) | 6.2912% | 2,850 |
| Efficiency ratio | 63.7199% | 3,057 |
| Assets per employee ($millions) | 3.7467% | 4,222 |
| Cash dividends to net income (ytd only)* | 22.8107% | 2,923 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6700% | 867 |
| Loan loss allowance to noncurrent loans | 88.1242% | 3,518 |
| Noncurrent assets plus other real estate owned to assets | 1.1707% | 1,094 |
| Noncurrent loans to loans | 1.8950% | 744 |
| Net loans and leases to total assets | 46.6456% | 4,569 |
| Net loans and leases to deposits | 51.8873% | 4,712 |
| Net loans and leases to core deposits | 53.1997% | 4,768 |
| Total domestic deposits to total assets | 89.8979% | 311 |
| Equity capital to assets | 9.1692% | 4,685 |
| Core capital (leverage) ratio | 8.6938% | 4,845 |
| Tier 1 risk-based capital ratio | 17.2013% | 2,024 |
| Total risk-based capital ratio | 18.4560% | 1,979 |
| Memoranda: | ||
| Average total assets | $82,396,000 | 4,304 |
| Average earning assets | $75,997,000 | 4,303 |
| Average equity | $6,867,000 | 4,715 |
| Average total loans | $39,083,000 | 4,482 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6629% | 2,470 |
| Cost of funding earning assets | 0.2656% | 4,913 |
| Net interest margin | 4.3973% | 945 |
| Noninterest income to average assets | 1.0220% | 842 |
| Noninterest expense to average assets | 3.2749% | 1,334 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.8061% | 583 |
| Return on assets (ROA) | 1.7746% | 649 |
| Pretax return on assets | 1.7746% | 1,096 |
| Return on Equity (ROE) | 22.0291% | 164 |
| Retained earnings to average equity (ytd only) | 17.4786% | 92 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4529% | 3,063 |
| Assets per employee ($millions) | 3.7338% | 4,204 |
| Cash dividends to net income (ytd only)* | 20.6566% | 3,000 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8007% | 682 |
| Loan loss allowance to noncurrent loans | 53.7255% | 4,122 |
| Noncurrent assets plus other real estate owned to assets | 1.8249% | 548 |
| Noncurrent loans to loans | 3.3516% | 267 |
| Net loans and leases to total assets | 45.4768% | 4,658 |
| Net loans and leases to deposits | 50.3803% | 4,792 |
| Net loans and leases to core deposits | 51.6509% | 4,824 |
| Total domestic deposits to total assets | 90.2670% | 252 |
| Equity capital to assets | 8.8188% | 4,893 |
| Core capital (leverage) ratio | 8.4638% | 4,976 |
| Tier 1 risk-based capital ratio | 16.9561% | 2,104 |
| Total risk-based capital ratio | 18.2122% | 2,040 |
| Memoranda: | ||
| Average total assets | $82,385,330 | 4,339 |
| Average earning assets | $76,047,330 | 4,330 |
| Average equity | $6,636,670 | 4,762 |
| Average total loans | $39,076,670 | 4,518 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7293% | 2,122 |
| Cost of funding earning assets | 0.2624% | 4,949 |
| Net interest margin | 4.4669% | 789 |
| Noninterest income to average assets | 0.9599% | 898 |
| Noninterest expense to average assets | 3.2628% | 1,362 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.8229% | 546 |
| Return on assets (ROA) | 1.8132% | 578 |
| Pretax return on assets | 1.8132% | 957 |
| Return on Equity (ROE) | 23.6223% | 128 |
| Retained earnings to average equity (ytd only) | 18.1904% | 139 |
| Net charge-offs to loans | 0.0202% | 2,048 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 188.0000% | 413 |
| Efficiency ratio | 64.1563% | 3,218 |
| Assets per employee ($millions) | 3.8963% | 4,074 |
| Cash dividends to net income (ytd only)* | 22.9947% | 2,396 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7097% | 843 |
| Loan loss allowance to noncurrent loans | 68.0957% | 3,916 |
| Noncurrent assets plus other real estate owned to assets | 1.4996% | 801 |
| Noncurrent loans to loans | 2.5107% | 520 |
| Net loans and leases to total assets | 47.9890% | 4,586 |
| Net loans and leases to deposits | 52.7230% | 4,722 |
| Net loans and leases to core deposits | 54.0437% | 4,784 |
| Total domestic deposits to total assets | 91.0209% | 169 |
| Equity capital to assets | 8.0784% | 5,159 |
| Core capital (leverage) ratio | 8.2551% | 5,119 |
| Tier 1 risk-based capital ratio | 15.5727% | 2,618 |
| Total risk-based capital ratio | 16.8278% | 2,540 |
| Memoranda: | ||
| Average total assets | $82,506,500 | 4,374 |
| Average earning assets | $76,205,500 | 4,368 |
| Average equity | $6,333,000 | 4,838 |
| Average total loans | $39,594,500 | 4,556 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8386% | 1,450 |
| Cost of funding earning assets | 0.2178% | 4,933 |
| Net interest margin | 4.6208% | 579 |
| Noninterest income to average assets | 1.0870% | 787 |
| Noninterest expense to average assets | 3.4256% | 1,109 |
| Loan and lease loss provision to assets | 0.7625% | 130 |
| Net operating income to assets | 1.1699% | 2,312 |
| Return on assets (ROA) | 1.1687% | 2,311 |
| Pretax return on assets | 1.1687% | 3,023 |
| Return on Equity (ROE) | 15.4991% | 724 |
| Retained earnings to average equity (ytd only) | 3.5593% | 3,630 |
| Net charge-offs to loans | 1.2330% | 99 |
| Credit loss provision to net charge-offs | 119.9616% | 2,173 |
| Earnings coverage of net charge-offs (x) | 3.0403% | 3,456 |
| Efficiency ratio | 63.9344% | 3,203 |
| Assets per employee ($millions) | 3.7814% | 4,207 |
| Cash dividends to net income (ytd only)* | 77.0355% | 799 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7482% | 755 |
| Loan loss allowance to noncurrent loans | 57.1667% | 4,172 |
| Noncurrent assets plus other real estate owned to assets | 1.4425% | 823 |
| Noncurrent loans to loans | 3.0581% | 327 |
| Net loans and leases to total assets | 46.3445% | 4,721 |
| Net loans and leases to deposits | 50.4501% | 4,871 |
| Net loans and leases to core deposits | 51.6782% | 4,904 |
| Total domestic deposits to total assets | 91.8620% | 82 |
| Equity capital to assets | 7.2797% | 5,305 |
| Core capital (leverage) ratio | 7.6751% | 5,299 |
| Tier 1 risk-based capital ratio | 15.0545% | 2,806 |
| Total risk-based capital ratio | 16.3082% | 2,736 |
| Memoranda: | ||
| Average total assets | $81,970,600 | 4,403 |
| Average earning assets | $75,765,600 | 4,386 |
| Average equity | $6,181,000 | 4,867 |
| Average total loans | $42,255,400 | 4,490 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9243% | 1,107 |
| Cost of funding earning assets | 0.2048% | 5,006 |
| Net interest margin | 4.7195% | 448 |
| Noninterest income to average assets | 1.0824% | 804 |
| Noninterest expense to average assets | 3.2244% | 1,468 |
| Loan and lease loss provision to assets | 0.3265% | 431 |
| Net operating income to assets | 1.8955% | 492 |
| Return on assets (ROA) | 1.8939% | 492 |
| Pretax return on assets | 1.8939% | 828 |
| Return on Equity (ROE) | 24.8965% | 90 |
| Retained earnings to average equity (ytd only) | 14.4872% | 204 |
| Net charge-offs to loans | 0.4216% | 379 |
| Credit loss provision to net charge-offs | 147.0588% | 1,738 |
| Earnings coverage of net charge-offs (x) | 10.0073% | 2,610 |
| Efficiency ratio | 59.2026% | 3,935 |
| Assets per employee ($millions) | 3.7737% | 4,211 |
| Cash dividends to net income (ytd only)* | 41.8103% | 1,968 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5161% | 1,290 |
| Loan loss allowance to noncurrent loans | 88.7363% | 3,648 |
| Noncurrent assets plus other real estate owned to assets | 0.8769% | 1,682 |
| Noncurrent loans to loans | 1.7085% | 912 |
| Net loans and leases to total assets | 50.5462% | 4,559 |
| Net loans and leases to deposits | 55.2703% | 4,779 |
| Net loans and leases to core deposits | 56.2430% | 4,840 |
| Total domestic deposits to total assets | 91.4528% | 136 |
| Equity capital to assets | 7.6053% | 5,287 |
| Core capital (leverage) ratio | 8.3410% | 5,180 |
| Tier 1 risk-based capital ratio | 15.2019% | 2,786 |
| Total risk-based capital ratio | 16.4549% | 2,709 |
| Memoranda: | ||
| Average total assets | $81,665,750 | 4,449 |
| Average earning assets | $75,514,750 | 4,437 |
| Average equity | $6,212,250 | 4,919 |
| Average total loans | $43,009,250 | 4,524 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9825% | 857 |
| Cost of funding earning assets | 0.1967% | 5,044 |
| Net interest margin | 4.7858% | 371 |
| Noninterest income to average assets | 1.1008% | 794 |
| Noninterest expense to average assets | 3.2211% | 1,485 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 2.3124% | 201 |
| Return on assets (ROA) | 2.3099% | 196 |
| Pretax return on assets | 2.3099% | 323 |
| Return on Equity (ROE) | 30.3642% | 39 |
| Retained earnings to average equity (ytd only) | 16.6064% | 133 |
| Net charge-offs to loans | -0.0649% | 5,008 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.2109% | 4,196 |
| Assets per employee ($millions) | 3.9356% | 4,010 |
| Cash dividends to net income (ytd only)* | 45.3092% | 1,878 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3495% | 1,948 |
| Loan loss allowance to noncurrent loans | 149.7487% | 2,774 |
| Noncurrent assets plus other real estate owned to assets | 0.4816% | 2,837 |
| Noncurrent loans to loans | 0.9011% | 1,919 |
| Net loans and leases to total assets | 52.7175% | 4,429 |
| Net loans and leases to deposits | 57.6574% | 4,658 |
| Net loans and leases to core deposits | 58.2829% | 4,780 |
| Total domestic deposits to total assets | 91.4323% | 165 |
| Equity capital to assets | 7.5937% | 5,348 |
| Core capital (leverage) ratio | 8.1727% | 5,280 |
| Tier 1 risk-based capital ratio | 14.3058% | 3,204 |
| Total risk-based capital ratio | 15.5583% | 3,127 |
| Memoranda: | ||
| Average total assets | $81,214,000 | 4,498 |
| Average earning assets | $75,222,670 | 4,484 |
| Average equity | $6,178,330 | 4,978 |
| Average total loans | $43,142,330 | 4,562 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1105% | 574 |
| Cost of funding earning assets | 0.1924% | 5,062 |
| Net interest margin | 4.9181% | 267 |
| Noninterest income to average assets | 1.1031% | 761 |
| Noninterest expense to average assets | 3.2498% | 1,453 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 2.4249% | 166 |
| Return on assets (ROA) | 2.4249% | 169 |
| Pretax return on assets | 2.4249% | 254 |
| Return on Equity (ROE) | 31.8460% | 35 |
| Retained earnings to average equity (ytd only) | 27.6042% | 29 |
| Net charge-offs to loans | -0.0657% | 5,083 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.2680% | 4,436 |
| Assets per employee ($millions) | 3.7407% | 4,358 |
| Cash dividends to net income (ytd only)* | 13.3197% | 2,539 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3582% | 1,992 |
| Loan loss allowance to noncurrent loans | 128.3224% | 3,009 |
| Noncurrent assets plus other real estate owned to assets | 0.5577% | 2,661 |
| Noncurrent loans to loans | 1.0584% | 1,733 |
| Net loans and leases to total assets | 51.9807% | 4,439 |
| Net loans and leases to deposits | 56.8169% | 4,658 |
| Net loans and leases to core deposits | 57.4356% | 4,777 |
| Total domestic deposits to total assets | 91.4880% | 187 |
| Equity capital to assets | 7.5168% | 5,410 |
| Core capital (leverage) ratio | 8.2467% | 5,291 |
| Tier 1 risk-based capital ratio | 14.3524% | 3,198 |
| Total risk-based capital ratio | 15.6021% | 3,110 |
| Memoranda: | ||
| Average total assets | $80,497,000 | 4,557 |
| Average earning assets | $74,826,000 | 4,540 |
| Average equity | $6,129,500 | 5,037 |
| Average total loans | $42,630,500 | 4,623 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4940% | 1,722 |
| Cost of funding earning assets | 0.1967% | 4,972 |
| Net interest margin | 4.2972% | 965 |
| Noninterest income to average assets | 1.1430% | 779 |
| Noninterest expense to average assets | 3.5478% | 961 |
| Loan and lease loss provision to assets | 0.4036% | 365 |
| Net operating income to assets | 1.1861% | 1,560 |
| Return on assets (ROA) | 1.1782% | 1,607 |
| Pretax return on assets | 1.1782% | 2,858 |
| Return on Equity (ROE) | 14.4057% | 701 |
| Retained earnings to average equity (ytd only) | 0.8305% | 4,697 |
| Net charge-offs to loans | 0.9350% | 202 |
| Credit loss provision to net charge-offs | 81.1024% | 2,925 |
| Earnings coverage of net charge-offs (x) | 3.1942% | 3,643 |
| Efficiency ratio | 69.0567% | 2,686 |
| Assets per employee ($millions) | 3.7475% | 4,365 |
| Cash dividends to net income (ytd only)* | 94.2350% | 465 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3892% | 1,810 |
| Loan loss allowance to noncurrent loans | 92.3810% | 3,670 |
| Noncurrent assets plus other real estate owned to assets | 0.8005% | 1,946 |
| Noncurrent loans to loans | 1.5038% | 1,131 |
| Net loans and leases to total assets | 52.4943% | 4,484 |
| Net loans and leases to deposits | 57.5424% | 4,718 |
| Net loans and leases to core deposits | 58.1999% | 4,843 |
| Total domestic deposits to total assets | 91.2272% | 189 |
| Equity capital to assets | 7.7168% | 5,480 |
| Core capital (leverage) ratio | 7.7699% | 5,505 |
| Tier 1 risk-based capital ratio | 13.7591% | 3,489 |
| Total risk-based capital ratio | 15.0101% | 3,407 |
| Memoranda: | ||
| Average total assets | $76,554,400 | 4,656 |
| Average earning assets | $71,161,800 | 4,647 |
| Average equity | $6,261,400 | 5,063 |
| Average total loans | $40,750,800 | 4,711 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4315% | 1,855 |
| Cost of funding earning assets | 0.1983% | 4,988 |
| Net interest margin | 4.2333% | 1,074 |
| Noninterest income to average assets | 1.1576% | 760 |
| Noninterest expense to average assets | 3.3500% | 1,247 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.7399% | 537 |
| Return on assets (ROA) | 1.7294% | 562 |
| Pretax return on assets | 1.7294% | 1,049 |
| Return on Equity (ROE) | 20.8390% | 184 |
| Retained earnings to average equity (ytd only) | 6.1926% | 2,110 |
| Net charge-offs to loans | 0.2076% | 1,033 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 15.7456% | 2,205 |
| Efficiency ratio | 65.8167% | 3,241 |
| Assets per employee ($millions) | 3.6261% | 4,551 |
| Cash dividends to net income (ytd only)* | 70.2844% | 955 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4294% | 1,781 |
| Loan loss allowance to noncurrent loans | 42.7023% | 4,693 |
| Noncurrent assets plus other real estate owned to assets | 1.7349% | 819 |
| Noncurrent loans to loans | 3.3473% | 341 |
| Net loans and leases to total assets | 51.0887% | 4,638 |
| Net loans and leases to deposits | 56.3683% | 4,857 |
| Net loans and leases to core deposits | 57.0078% | 4,949 |
| Total domestic deposits to total assets | 90.6337% | 285 |
| Equity capital to assets | 8.2545% | 5,419 |
| Core capital (leverage) ratio | 8.2676% | 5,386 |
| Tier 1 risk-based capital ratio | 14.3970% | 3,240 |
| Total risk-based capital ratio | 15.6478% | 3,160 |
| Memoranda: | ||
| Average total assets | $76,018,500 | 4,710 |
| Average earning assets | $70,613,250 | 4,702 |
| Average equity | $6,308,500 | 5,114 |
| Average total loans | $40,465,000 | 4,761 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4164% | 1,764 |
| Cost of funding earning assets | 0.1988% | 4,995 |
| Net interest margin | 4.2176% | 1,046 |
| Noninterest income to average assets | 1.1931% | 715 |
| Noninterest expense to average assets | 3.3919% | 1,189 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.7174% | 548 |
| Return on assets (ROA) | 1.7174% | 550 |
| Pretax return on assets | 1.7174% | 1,019 |
| Return on Equity (ROE) | 20.6553% | 193 |
| Retained earnings to average equity (ytd only) | 2.0591% | 4,432 |
| Net charge-offs to loans | 0.3435% | 585 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 9.3043% | 2,448 |
| Efficiency ratio | 66.3874% | 3,289 |
| Assets per employee ($millions) | 3.7321% | 4,385 |
| Cash dividends to net income (ytd only)* | 90.0312% | 620 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4946% | 1,590 |
| Loan loss allowance to noncurrent loans | 40.5968% | 4,782 |
| Noncurrent assets plus other real estate owned to assets | 1.8386% | 742 |
| Noncurrent loans to loans | 3.6816% | 288 |
| Net loans and leases to total assets | 49.1943% | 4,756 |
| Net loans and leases to deposits | 54.2248% | 4,951 |
| Net loans and leases to core deposits | 54.8504% | 5,051 |
| Total domestic deposits to total assets | 90.7228% | 293 |
| Equity capital to assets | 8.1352% | 5,476 |
| Core capital (leverage) ratio | 8.1034% | 5,487 |
| Tier 1 risk-based capital ratio | 14.7996% | 3,013 |
| Total risk-based capital ratio | 16.0520% | 2,940 |
| Memoranda: | ||
| Average total assets | $74,766,330 | 4,771 |
| Average earning assets | $69,423,330 | 4,757 |
| Average equity | $6,216,330 | 5,156 |
| Average total loans | $40,171,000 | 4,802 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5037% | 1,363 |
| Cost of funding earning assets | 0.2007% | 4,970 |
| Net interest margin | 4.3030% | 779 |
| Noninterest income to average assets | 1.2609% | 647 |
| Noninterest expense to average assets | 3.4813% | 1,070 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.7763% | 470 |
| Return on assets (ROA) | 1.7763% | 481 |
| Pretax return on assets | 1.7763% | 842 |
| Return on Equity (ROE) | 21.1195% | 185 |
| Retained earnings to average equity (ytd only) | 18.5122% | 131 |
| Net charge-offs to loans | 0.6980% | 251 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 4.5634% | 2,372 |
| Efficiency ratio | 66.2148% | 3,464 |
| Assets per employee ($millions) | 3.5878% | 4,669 |
| Cash dividends to net income (ytd only)* | 12.3457% | 2,661 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4144% | 2,022 |
| Loan loss allowance to noncurrent loans | 48.9094% | 4,672 |
| Noncurrent assets plus other real estate owned to assets | 1.5821% | 985 |
| Noncurrent loans to loans | 2.8919% | 493 |
| Net loans and leases to total assets | 53.9333% | 4,339 |
| Net loans and leases to deposits | 59.6801% | 4,586 |
| Net loans and leases to core deposits | 60.3995% | 4,753 |
| Total domestic deposits to total assets | 90.3707% | 525 |
| Equity capital to assets | 8.4095% | 5,300 |
| Core capital (leverage) ratio | 8.6978% | 5,049 |
| Tier 1 risk-based capital ratio | 14.8993% | 3,012 |
| Total risk-based capital ratio | 16.1518% | 2,939 |
| Memoranda: | ||
| Average total assets | $72,962,000 | 4,852 |
| Average earning assets | $67,767,000 | 4,836 |
| Average equity | $6,136,500 | 5,214 |
| Average total loans | $40,686,000 | 4,828 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6532% | 1,161 |
| Cost of funding earning assets | 0.2086% | 4,936 |
| Net interest margin | 4.4446% | 699 |
| Noninterest income to average assets | 1.1601% | 847 |
| Noninterest expense to average assets | 3.5969% | 1,022 |
| Loan and lease loss provision to assets | 0.4565% | 311 |
| Net operating income to assets | 1.2065% | 1,486 |
| Return on assets (ROA) | 1.1854% | 1,647 |
| Pretax return on assets | 1.1854% | 2,735 |
| Return on Equity (ROE) | 13.5391% | 861 |
| Retained earnings to average equity (ytd only) | 2.4704% | 4,113 |
| Net charge-offs to loans | 0.4109% | 644 |
| Credit loss provision to net charge-offs | 194.6108% | 1,452 |
| Earnings coverage of net charge-offs (x) | 7.0898% | 3,076 |
| Efficiency ratio | 68.3845% | 3,174 |
| Assets per employee ($millions) | 3.3610% | 4,960 |
| Cash dividends to net income (ytd only)* | 81.7536% | 837 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6287% | 1,305 |
| Loan loss allowance to noncurrent loans | 47.1182% | 4,732 |
| Noncurrent assets plus other real estate owned to assets | 1.9665% | 706 |
| Noncurrent loans to loans | 3.4567% | 352 |
| Net loans and leases to total assets | 55.9641% | 4,267 |
| Net loans and leases to deposits | 61.9987% | 4,545 |
| Net loans and leases to core deposits | 62.8681% | 4,699 |
| Total domestic deposits to total assets | 90.2665% | 530 |
| Equity capital to assets | 8.4116% | 5,335 |
| Core capital (leverage) ratio | 8.4827% | 5,279 |
| Tier 1 risk-based capital ratio | 15.0324% | 2,951 |
| Total risk-based capital ratio | 16.2860% | 2,883 |
| Memoranda: | ||
| Average total assets | $71,200,400 | 4,906 |
| Average earning assets | $65,674,800 | 4,899 |
| Average equity | $6,233,800 | 5,242 |
| Average total loans | $40,641,000 | 4,852 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7546% | 976 |
| Cost of funding earning assets | 0.2112% | 4,964 |
| Net interest margin | 4.5434% | 565 |
| Noninterest income to average assets | 1.1361% | 891 |
| Noninterest expense to average assets | 3.3764% | 1,393 |
| Loan and lease loss provision to assets | 0.3737% | 408 |
| Net operating income to assets | 1.5658% | 774 |
| Return on assets (ROA) | 1.5789% | 799 |
| Pretax return on assets | 1.5789% | 1,437 |
| Return on Equity (ROE) | 17.8605% | 369 |
| Retained earnings to average equity (ytd only) | 5.7914% | 2,306 |
| Net charge-offs to loans | 0.1505% | 1,491 |
| Credit loss provision to net charge-offs | 434.7826% | 791 |
| Earnings coverage of net charge-offs (x) | 22.5660% | 1,748 |
| Efficiency ratio | 63.5149% | 4,001 |
| Assets per employee ($millions) | 3.3782% | 4,943 |
| Cash dividends to net income (ytd only)* | 67.5735% | 1,111 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5853% | 1,523 |
| Loan loss allowance to noncurrent loans | 143.4879% | 2,879 |
| Noncurrent assets plus other real estate owned to assets | 0.6385% | 2,987 |
| Noncurrent loans to loans | 1.1049% | 2,040 |
| Net loans and leases to total assets | 56.8781% | 4,210 |
| Net loans and leases to deposits | 63.5299% | 4,520 |
| Net loans and leases to core deposits | 64.4235% | 4,706 |
| Total domestic deposits to total assets | 89.5296% | 659 |
| Equity capital to assets | 9.0890% | 5,087 |
| Core capital (leverage) ratio | 8.9094% | 4,931 |
| Tier 1 risk-based capital ratio | 15.1349% | 2,980 |
| Total risk-based capital ratio | 16.3895% | 2,917 |
| Memoranda: | ||
| Average total assets | $71,355,250 | 4,948 |
| Average earning assets | $65,647,250 | 4,943 |
| Average equity | $6,308,000 | 5,281 |
| Average total loans | $40,762,750 | 4,896 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7369% | 978 |
| Cost of funding earning assets | 0.2124% | 5,013 |
| Net interest margin | 4.5245% | 586 |
| Noninterest income to average assets | 1.1274% | 884 |
| Noninterest expense to average assets | 3.3654% | 1,451 |
| Loan and lease loss provision to assets | 0.2797% | 659 |
| Net operating income to assets | 1.6533% | 638 |
| Return on assets (ROA) | 1.6729% | 650 |
| Pretax return on assets | 1.6729% | 1,163 |
| Return on Equity (ROE) | 19.1014% | 288 |
| Retained earnings to average equity (ytd only) | 2.7790% | 4,130 |
| Net charge-offs to loans | -0.0295% | 5,114 |
| Credit loss provision to net charge-offs | -1,666.6667% | 5,189 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5164% | 4,100 |
| Assets per employee ($millions) | 3.6619% | 4,503 |
| Cash dividends to net income (ytd only)* | 85.4515% | 781 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4589% | 2,029 |
| Loan loss allowance to noncurrent loans | 274.8858% | 1,753 |
| Noncurrent assets plus other real estate owned to assets | 0.3148% | 4,238 |
| Noncurrent loans to loans | 0.5307% | 3,490 |
| Net loans and leases to total assets | 58.4432% | 4,076 |
| Net loans and leases to deposits | 65.2948% | 4,394 |
| Net loans and leases to core deposits | 66.2804% | 4,589 |
| Total domestic deposits to total assets | 89.5066% | 679 |
| Equity capital to assets | 9.0619% | 5,197 |
| Core capital (leverage) ratio | 8.6374% | 5,229 |
| Tier 1 risk-based capital ratio | 14.3896% | 3,384 |
| Total risk-based capital ratio | 15.6428% | 3,307 |
| Memoranda: | ||
| Average total assets | $71,492,670 | 4,994 |
| Average earning assets | $65,908,330 | 4,981 |
| Average equity | $6,261,330 | 5,335 |
| Average total loans | $40,683,330 | 4,948 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7519% | 942 |
| Cost of funding earning assets | 0.2144% | 5,060 |
| Net interest margin | 4.5375% | 568 |
| Noninterest income to average assets | 1.1484% | 835 |
| Noninterest expense to average assets | 3.3457% | 1,494 |
| Loan and lease loss provision to assets | 0.5521% | 209 |
| Net operating income to assets | 1.4575% | 923 |
| Return on assets (ROA) | 1.4962% | 902 |
| Pretax return on assets | 1.4962% | 1,602 |
| Return on Equity (ROE) | 17.3732% | 404 |
| Retained earnings to average equity (ytd only) | 16.7962% | 163 |
| Net charge-offs to loans | -0.0297% | 5,065 |
| Credit loss provision to net charge-offs | -3,333.3333% | 4,967 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4742% | 4,377 |
| Assets per employee ($millions) | 3.7780% | 4,345 |
| Cash dividends to net income (ytd only)* | 3.3210% | 2,826 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4502% | 2,201 |
| Loan loss allowance to noncurrent loans | 39.0482% | 5,102 |
| Noncurrent assets plus other real estate owned to assets | 2.1370% | 785 |
| Noncurrent loans to loans | 3.7139% | 346 |
| Net loans and leases to total assets | 56.7064% | 4,176 |
| Net loans and leases to deposits | 63.2232% | 4,485 |
| Net loans and leases to core deposits | 64.9866% | 4,624 |
| Total domestic deposits to total assets | 89.6924% | 741 |
| Equity capital to assets | 8.9117% | 5,254 |
| Core capital (leverage) ratio | 8.5867% | 5,305 |
| Tier 1 risk-based capital ratio | 14.3672% | 3,460 |
| Total risk-based capital ratio | 15.6181% | 3,391 |
| Memoranda: | ||
| Average total assets | $72,450,500 | 5,013 |
| Average earning assets | $67,173,500 | 4,996 |
| Average equity | $6,239,500 | 5,377 |
| Average total loans | $40,392,500 | 4,997 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2556% | 2,370 |
| Cost of funding earning assets | 0.2141% | 5,148 |
| Net interest margin | 4.0415% | 1,587 |
| Noninterest income to average assets | 1.0892% | 991 |
| Noninterest expense to average assets | 3.4152% | 1,457 |
| Loan and lease loss provision to assets | 0.3922% | 355 |
| Net operating income to assets | 1.0482% | 2,134 |
| Return on assets (ROA) | 0.9976% | 2,473 |
| Pretax return on assets | 0.9976% | 3,482 |
| Return on Equity (ROE) | 11.9297% | 1,318 |
| Retained earnings to average equity (ytd only) | 1.9610% | 4,608 |
| Net charge-offs to loans | 0.8164% | 271 |
| Credit loss provision to net charge-offs | 91.1111% | 2,744 |
| Earnings coverage of net charge-offs (x) | 3.3460% | 3,743 |
| Efficiency ratio | 70.3349% | 3,171 |
| Assets per employee ($millions) | 3.6560% | 4,555 |
| Cash dividends to net income (ytd only)* | 83.5616% | 777 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2563% | 3,129 |
| Loan loss allowance to noncurrent loans | 106.2099% | 3,548 |
| Noncurrent assets plus other real estate owned to assets | 0.6387% | 3,143 |
| Noncurrent loans to loans | 1.1828% | 1,992 |
| Net loans and leases to total assets | 53.3172% | 4,558 |
| Net loans and leases to deposits | 59.0315% | 4,842 |
| Net loans and leases to core deposits | 64.1517% | 4,734 |
| Total domestic deposits to total assets | 90.3199% | 496 |
| Equity capital to assets | 8.3179% | 5,692 |
| Core capital (leverage) ratio | 8.0710% | 5,793 |
| Tier 1 risk-based capital ratio | 14.6057% | 3,379 |
| Total risk-based capital ratio | 15.8159% | 3,322 |
| Memoranda: | ||
| Average total assets | $73,172,400 | 5,008 |
| Average earning assets | $68,192,200 | 4,984 |
| Average equity | $6,119,200 | 5,411 |
| Average total loans | $38,584,400 | 5,065 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2705% | 2,331 |
| Cost of funding earning assets | 0.2153% | 5,230 |
| Net interest margin | 4.0552% | 1,543 |
| Noninterest income to average assets | 1.1004% | 994 |
| Noninterest expense to average assets | 3.2246% | 1,899 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.6506% | 687 |
| Return on assets (ROA) | 1.5831% | 838 |
| Pretax return on assets | 1.5831% | 1,433 |
| Return on Equity (ROE) | 18.9058% | 340 |
| Retained earnings to average equity (ytd only) | 8.6806% | 1,008 |
| Net charge-offs to loans | -0.3093% | 6,090 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1435% | 3,872 |
| Assets per employee ($millions) | 3.8638% | 4,147 |
| Cash dividends to net income (ytd only)* | 54.0850% | 1,698 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6086% | 1,759 |
| Loan loss allowance to noncurrent loans | 46.2293% | 5,060 |
| Noncurrent assets plus other real estate owned to assets | 1.8062% | 1,185 |
| Noncurrent loans to loans | 3.4796% | 451 |
| Net loans and leases to total assets | 51.0741% | 4,847 |
| Net loans and leases to deposits | 56.7478% | 5,085 |
| Net loans and leases to core deposits | 61.6643% | 4,965 |
| Total domestic deposits to total assets | 90.0018% | 566 |
| Equity capital to assets | 8.6102% | 5,638 |
| Core capital (leverage) ratio | 8.6035% | 5,461 |
| Tier 1 risk-based capital ratio | 15.7428% | 2,928 |
| Total risk-based capital ratio | 16.9967% | 2,855 |
| Memoranda: | ||
| Average total assets | $73,185,750 | 5,072 |
| Average earning assets | $68,124,250 | 5,041 |
| Average equity | $6,128,500 | 5,476 |
| Average total loans | $38,360,250 | 5,127 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2943% | 2,186 |
| Cost of funding earning assets | 0.2203% | 5,252 |
| Net interest margin | 4.0740% | 1,427 |
| Noninterest income to average assets | 1.1243% | 955 |
| Noninterest expense to average assets | 3.2335% | 1,885 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.6851% | 639 |
| Return on assets (ROA) | 1.6085% | 759 |
| Pretax return on assets | 1.6085% | 1,307 |
| Return on Equity (ROE) | 19.3921% | 300 |
| Retained earnings to average equity (ytd only) | 5.8704% | 2,315 |
| Net charge-offs to loans | -0.4110% | 6,174 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7397% | 4,058 |
| Assets per employee ($millions) | 3.8275% | 4,209 |
| Cash dividends to net income (ytd only)* | 69.7279% | 1,218 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5379% | 2,125 |
| Loan loss allowance to noncurrent loans | 37.4534% | 5,322 |
| Noncurrent assets plus other real estate owned to assets | 2.2139% | 940 |
| Noncurrent loans to loans | 4.1061% | 365 |
| Net loans and leases to total assets | 53.0877% | 4,652 |
| Net loans and leases to deposits | 58.7939% | 4,941 |
| Net loans and leases to core deposits | 64.9949% | 4,732 |
| Total domestic deposits to total assets | 90.2947% | 537 |
| Equity capital to assets | 8.3289% | 5,810 |
| Core capital (leverage) ratio | 8.1497% | 5,832 |
| Tier 1 risk-based capital ratio | 14.4877% | 3,648 |
| Total risk-based capital ratio | 15.7410% | 3,569 |
| Memoranda: | ||
| Average total assets | $73,110,000 | 5,125 |
| Average earning assets | $68,090,670 | 5,095 |
| Average equity | $6,064,330 | 5,540 |
| Average total loans | $38,444,330 | 5,165 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2206% | 2,380 |
| Cost of funding earning assets | 0.2163% | 5,351 |
| Net interest margin | 4.0043% | 1,538 |
| Noninterest income to average assets | 1.1186% | 905 |
| Noninterest expense to average assets | 3.1977% | 1,992 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.6589% | 647 |
| Return on assets (ROA) | 1.6261% | 714 |
| Pretax return on assets | 1.6261% | 1,202 |
| Return on Equity (ROE) | 19.6440% | 281 |
| Retained earnings to average equity (ytd only) | 12.3929% | 516 |
| Net charge-offs to loans | 0.0525% | 2,254 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 60.8000% | 732 |
| Efficiency ratio | 65.8427% | 4,186 |
| Assets per employee ($millions) | 3.9973% | 3,962 |
| Cash dividends to net income (ytd only)* | 36.9128% | 2,131 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3448% | 3,170 |
| Loan loss allowance to noncurrent loans | 33.2479% | 5,465 |
| Noncurrent assets plus other real estate owned to assets | 2.0554% | 1,143 |
| Noncurrent loans to loans | 4.0448% | 431 |
| Net loans and leases to total assets | 50.1317% | 4,833 |
| Net loans and leases to deposits | 55.3739% | 5,091 |
| Net loans and leases to core deposits | 62.9406% | 4,783 |
| Total domestic deposits to total assets | 90.5330% | 520 |
| Equity capital to assets | 8.1213% | 5,977 |
| Core capital (leverage) ratio | 8.1601% | 5,842 |
| Tier 1 risk-based capital ratio | 14.4999% | 3,720 |
| Total risk-based capital ratio | 15.7430% | 3,648 |
| Memoranda: | ||
| Average total assets | $73,303,500 | 5,166 |
| Average earning assets | $68,426,000 | 5,134 |
| Average equity | $6,068,000 | 5,585 |
| Average total loans | $38,061,500 | 5,211 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5750% | 1,623 |
| Cost of funding earning assets | 0.2490% | 5,331 |
| Net interest margin | 4.3260% | 1,011 |
| Noninterest income to average assets | 1.1694% | 882 |
| Noninterest expense to average assets | 3.5138% | 1,455 |
| Loan and lease loss provision to assets | 0.1433% | 1,853 |
| Net operating income to assets | 1.5204% | 841 |
| Return on assets (ROA) | 0.8813% | 3,054 |
| Pretax return on assets | 0.8813% | 3,958 |
| Return on Equity (ROE) | 10.6934% | 1,821 |
| Retained earnings to average equity (ytd only) | 0.6433% | 5,474 |
| Net charge-offs to loans | -0.0138% | 5,626 |
| Credit loss provision to net charge-offs | -2,000.0000% | 5,977 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8660% | 3,919 |
| Assets per employee ($millions) | 3.7189% | 4,491 |
| Cash dividends to net income (ytd only)* | 93.9837% | 482 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3962% | 2,968 |
| Loan loss allowance to noncurrent loans | 42.4291% | 5,311 |
| Noncurrent assets plus other real estate owned to assets | 1.7478% | 1,516 |
| Noncurrent loans to loans | 3.2907% | 648 |
| Net loans and leases to total assets | 52.3727% | 4,752 |
| Net loans and leases to deposits | 58.1133% | 5,056 |
| Net loans and leases to core deposits | 66.7798% | 4,614 |
| Total domestic deposits to total assets | 90.1216% | 682 |
| Equity capital to assets | 8.4462% | 5,796 |
| Core capital (leverage) ratio | 8.1452% | 5,895 |
| Tier 1 risk-based capital ratio | 14.4868% | 3,783 |
| Total risk-based capital ratio | 15.7364% | 3,722 |
| Memoranda: | ||
| Average total assets | $69,782,200 | 5,298 |
| Average earning assets | $64,655,600 | 5,263 |
| Average equity | $5,751,200 | 5,676 |
| Average total loans | $36,306,200 | 5,319 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6399% | 1,461 |
| Cost of funding earning assets | 0.2548% | 5,356 |
| Net interest margin | 4.3851% | 903 |
| Noninterest income to average assets | 1.1500% | 901 |
| Noninterest expense to average assets | 3.3542% | 1,782 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.8534% | 461 |
| Return on assets (ROA) | 0.9986% | 2,522 |
| Pretax return on assets | 0.9986% | 3,599 |
| Return on Equity (ROE) | 12.1933% | 1,427 |
| Retained earnings to average equity (ytd only) | 8.5657% | 1,136 |
| Net charge-offs to loans | 0.0407% | 3,690 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 87.8868% | 646 |
| Efficiency ratio | 64.4093% | 4,482 |
| Assets per employee ($millions) | 3.7464% | 4,406 |
| Cash dividends to net income (ytd only)* | 29.7502% | 2,811 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1216% | 4,652 |
| Loan loss allowance to noncurrent loans | 132.8990% | 3,000 |
| Noncurrent assets plus other real estate owned to assets | 0.4313% | 4,620 |
| Noncurrent loans to loans | 0.8439% | 3,463 |
| Net loans and leases to total assets | 50.5310% | 4,945 |
| Net loans and leases to deposits | 56.2904% | 5,223 |
| Net loans and leases to core deposits | 63.5371% | 4,922 |
| Total domestic deposits to total assets | 89.7685% | 835 |
| Equity capital to assets | 8.7424% | 5,601 |
| Core capital (leverage) ratio | 8.5862% | 5,562 |
| Tier 1 risk-based capital ratio | 15.5501% | 3,286 |
| Total risk-based capital ratio | 16.5742% | 3,349 |
| Memoranda: | ||
| Average total assets | $69,563,000 | 5,358 |
| Average earning assets | $64,367,250 | 5,319 |
| Average equity | $5,697,000 | 5,746 |
| Average total loans | $36,000,250 | 5,380 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6768% | 1,336 |
| Cost of funding earning assets | 0.2562% | 5,420 |
| Net interest margin | 4.4206% | 818 |
| Noninterest income to average assets | 1.1416% | 904 |
| Noninterest expense to average assets | 3.3467% | 1,811 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.8950% | 415 |
| Return on assets (ROA) | 0.6114% | 4,396 |
| Pretax return on assets | 0.6114% | 4,920 |
| Return on Equity (ROE) | 7.6426% | 3,295 |
| Retained earnings to average equity (ytd only) | 3.2961% | 4,104 |
| Net charge-offs to loans | 0.0836% | 2,851 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 43.6000% | 992 |
| Efficiency ratio | 63.8474% | 4,711 |
| Assets per employee ($millions) | 3.7237% | 4,407 |
| Cash dividends to net income (ytd only)* | 56.8720% | 1,651 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0945% | 4,939 |
| Loan loss allowance to noncurrent loans | 232.1839% | 1,886 |
| Noncurrent assets plus other real estate owned to assets | 0.4141% | 4,768 |
| Noncurrent loans to loans | 0.4714% | 4,585 |
| Net loans and leases to total assets | 51.6000% | 4,785 |
| Net loans and leases to deposits | 57.2174% | 5,103 |
| Net loans and leases to core deposits | 64.5936% | 4,761 |
| Total domestic deposits to total assets | 90.1823% | 717 |
| Equity capital to assets | 8.3534% | 5,911 |
| Core capital (leverage) ratio | 8.4407% | 5,702 |
| Tier 1 risk-based capital ratio | 14.6198% | 3,854 |
| Total risk-based capital ratio | 15.6175% | 3,951 |
| Memoranda: | ||
| Average total assets | $69,023,330 | 5,419 |
| Average earning assets | $64,018,670 | 5,383 |
| Average equity | $5,521,670 | 5,828 |
| Average total loans | $35,874,670 | 5,424 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7534% | 1,141 |
| Cost of funding earning assets | 0.2599% | 5,494 |
| Net interest margin | 4.4935% | 667 |
| Noninterest income to average assets | 1.1268% | 878 |
| Noninterest expense to average assets | 3.4800% | 1,528 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.8075% | 479 |
| Return on assets (ROA) | -1.0798% | 6,578 |
| Pretax return on assets | -1.0798% | 6,569 |
| Return on Equity (ROE) | -13.8151% | 6,597 |
| Retained earnings to average equity (ytd only) | -16.8184% | 6,493 |
| Net charge-offs to loans | 0.1358% | 1,897 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 25.6667% | 1,143 |
| Efficiency ratio | 65.8158% | 4,561 |
| Assets per employee ($millions) | 3.6688% | 4,592 |
| Cash dividends to net income (ytd only)* | -21.7391% | 6,697 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1146% | 5,051 |
| Loan loss allowance to noncurrent loans | 120.4142% | 3,165 |
| Noncurrent assets plus other real estate owned to assets | 0.6556% | 4,156 |
| Noncurrent loans to loans | 0.9256% | 3,568 |
| Net loans and leases to total assets | 51.8004% | 4,697 |
| Net loans and leases to deposits | 57.2196% | 5,014 |
| Net loans and leases to core deposits | 65.6969% | 4,518 |
| Total domestic deposits to total assets | 90.5291% | 783 |
| Equity capital to assets | 7.9388% | 6,095 |
| Core capital (leverage) ratio | 8.1612% | 5,985 |
| Tier 1 risk-based capital ratio | 14.4492% | 4,028 |
| Total risk-based capital ratio | 15.4984% | 4,112 |
| Memoranda: | ||
| Average total assets | $68,160,000 | 5,503 |
| Average earning assets | $63,113,000 | 5,470 |
| Average equity | $5,327,500 | 5,919 |
| Average total loans | $35,356,500 | 5,494 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6225% | 1,794 |
| Cost of funding earning assets | 0.3212% | 5,413 |
| Net interest margin | 4.3013% | 1,105 |
| Noninterest income to average assets | 1.1275% | 1,105 |
| Noninterest expense to average assets | 3.6232% | 1,411 |
| Loan and lease loss provision to assets | 0.0594% | 3,952 |
| Net operating income to assets | 1.4038% | 1,017 |
| Return on assets (ROA) | 1.2820% | 1,355 |
| Pretax return on assets | 1.2820% | 2,227 |
| Return on Equity (ROE) | 15.9260% | 629 |
| Retained earnings to average equity (ytd only) | 5.5916% | 2,226 |
| Net charge-offs to loans | -0.0452% | 6,309 |
| Credit loss provision to net charge-offs | -266.6667% | 6,034 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2325% | 3,624 |
| Assets per employee ($millions) | 3.5059% | 4,889 |
| Cash dividends to net income (ytd only)* | 64.8899% | 1,541 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2253% | 4,518 |
| Loan loss allowance to noncurrent loans | 210.5528% | 2,006 |
| Noncurrent assets plus other real estate owned to assets | 0.2987% | 5,370 |
| Noncurrent loans to loans | 0.5819% | 4,527 |
| Net loans and leases to total assets | 50.7086% | 5,005 |
| Net loans and leases to deposits | 55.9081% | 5,309 |
| Net loans and leases to core deposits | 64.6123% | 4,813 |
| Total domestic deposits to total assets | 90.6999% | 702 |
| Equity capital to assets | 7.6878% | 6,191 |
| Core capital (leverage) ratio | 8.6905% | 5,425 |
| Tier 1 risk-based capital ratio | 15.5768% | 3,326 |
| Total risk-based capital ratio | 16.6965% | 3,353 |
| Memoranda: | ||
| Average total assets | $67,315,600 | 5,558 |
| Average earning assets | $61,958,000 | 5,539 |
| Average equity | $5,418,800 | 5,954 |
| Average total loans | $33,153,400 | 5,616 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6195% | 1,832 |
| Cost of funding earning assets | 0.3381% | 5,408 |
| Net interest margin | 4.2813% | 1,138 |
| Noninterest income to average assets | 1.1162% | 1,177 |
| Noninterest expense to average assets | 3.3821% | 1,867 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.6614% | 667 |
| Return on assets (ROA) | 1.4955% | 953 |
| Pretax return on assets | 1.4955% | 1,626 |
| Return on Equity (ROE) | 18.3736% | 413 |
| Retained earnings to average equity (ytd only) | 12.0630% | 414 |
| Net charge-offs to loans | -0.0730% | 6,417 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0584% | 4,293 |
| Assets per employee ($millions) | 3.4767% | 4,889 |
| Cash dividends to net income (ytd only)* | 34.3462% | 2,503 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1054% | 5,303 |
| Loan loss allowance to noncurrent loans | 308.0645% | 1,337 |
| Noncurrent assets plus other real estate owned to assets | 0.1877% | 5,880 |
| Noncurrent loans to loans | 0.3588% | 5,316 |
| Net loans and leases to total assets | 51.7379% | 4,904 |
| Net loans and leases to deposits | 57.1971% | 5,264 |
| Net loans and leases to core deposits | 65.0755% | 4,798 |
| Total domestic deposits to total assets | 90.4554% | 760 |
| Equity capital to assets | 7.9355% | 6,190 |
| Core capital (leverage) ratio | 9.0505% | 5,048 |
| Tier 1 risk-based capital ratio | 16.0832% | 3,144 |
| Total risk-based capital ratio | 17.1033% | 3,222 |
| Memoranda: | ||
| Average total assets | $67,491,500 | 5,609 |
| Average earning assets | $61,910,500 | 5,595 |
| Average equity | $5,493,250 | 6,006 |
| Average total loans | $32,892,500 | 5,684 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5420% | 2,052 |
| Cost of funding earning assets | 0.3457% | 5,451 |
| Net interest margin | 4.1963% | 1,283 |
| Noninterest income to average assets | 1.1182% | 1,217 |
| Noninterest expense to average assets | 3.3545% | 1,920 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.6213% | 719 |
| Return on assets (ROA) | 1.5772% | 847 |
| Pretax return on assets | 1.5772% | 1,431 |
| Return on Equity (ROE) | 19.2218% | 366 |
| Retained earnings to average equity (ytd only) | 12.0495% | 484 |
| Net charge-offs to loans | -0.1175% | 6,543 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4157% | 4,280 |
| Assets per employee ($millions) | 3.5861% | 4,653 |
| Cash dividends to net income (ytd only)* | 37.3134% | 2,367 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1288% | 5,325 |
| Loan loss allowance to noncurrent loans | 129.3919% | 2,842 |
| Noncurrent assets plus other real estate owned to assets | 0.4344% | 5,189 |
| Noncurrent loans to loans | 0.8724% | 4,179 |
| Net loans and leases to total assets | 49.2339% | 5,193 |
| Net loans and leases to deposits | 54.1720% | 5,509 |
| Net loans and leases to core deposits | 63.1537% | 4,982 |
| Total domestic deposits to total assets | 90.8844% | 586 |
| Equity capital to assets | 7.5790% | 6,416 |
| Core capital (leverage) ratio | 8.3770% | 5,793 |
| Tier 1 risk-based capital ratio | 16.1537% | 3,117 |
| Total risk-based capital ratio | 17.2091% | 3,158 |
| Memoranda: | ||
| Average total assets | $67,969,330 | 5,638 |
| Average earning assets | $62,484,000 | 5,608 |
| Average equity | $5,577,000 | 6,026 |
| Average total loans | $32,337,000 | 5,739 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3594% | 2,659 |
| Cost of funding earning assets | 0.3398% | 5,640 |
| Net interest margin | 4.0196% | 1,714 |
| Noninterest income to average assets | 1.1254% | 1,183 |
| Noninterest expense to average assets | 3.3055% | 2,076 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.5143% | 833 |
| Return on assets (ROA) | 1.7205% | 620 |
| Pretax return on assets | 1.7205% | 1,033 |
| Return on Equity (ROE) | 20.1954% | 280 |
| Retained earnings to average equity (ytd only) | 16.7373% | 242 |
| Net charge-offs to loans | -0.1395% | 6,571 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5819% | 4,211 |
| Assets per employee ($millions) | 3.7361% | 4,476 |
| Cash dividends to net income (ytd only)* | 17.1233% | 2,356 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1646% | 5,350 |
| Loan loss allowance to noncurrent loans | 91.6870% | 3,585 |
| Noncurrent assets plus other real estate owned to assets | 0.5762% | 4,951 |
| Noncurrent loans to loans | 1.2702% | 3,653 |
| Net loans and leases to total assets | 44.8314% | 5,574 |
| Net loans and leases to deposits | 51.3117% | 5,683 |
| Net loans and leases to core deposits | 59.7915% | 5,170 |
| Total domestic deposits to total assets | 87.3707% | 2,710 |
| Equity capital to assets | 8.1988% | 6,249 |
| Core capital (leverage) ratio | 8.5836% | 5,466 |
| Tier 1 risk-based capital ratio | 16.1977% | 3,160 |
| Total risk-based capital ratio | 17.2508% | 3,228 |
| Memoranda: | ||
| Average total assets | $67,886,000 | 5,689 |
| Average earning assets | $62,394,500 | 5,665 |
| Average equity | $5,783,500 | 6,037 |
| Average total loans | $31,541,000 | 5,818 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5420% | 3,232 |
| Cost of funding earning assets | 0.4012% | 5,914 |
| Net interest margin | 4.1409% | 1,857 |
| Noninterest income to average assets | 1.1070% | 1,263 |
| Noninterest expense to average assets | 3.6647% | 1,476 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.2299% | 1,504 |
| Return on assets (ROA) | 1.8456% | 532 |
| Pretax return on assets | 1.8456% | 842 |
| Return on Equity (ROE) | 20.4064% | 285 |
| Retained earnings to average equity (ytd only) | 7.5127% | 1,330 |
| Net charge-offs to loans | -0.0958% | 6,818 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8729% | 2,923 |
| Assets per employee ($millions) | 3.4098% | 5,190 |
| Cash dividends to net income (ytd only)* | 63.1845% | 1,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1786% | 5,218 |
| Loan loss allowance to noncurrent loans | 49.8630% | 5,136 |
| Noncurrent assets plus other real estate owned to assets | 1.1268% | 3,774 |
| Noncurrent loans to loans | 2.3638% | 2,276 |
| Net loans and leases to total assets | 47.1074% | 5,503 |
| Net loans and leases to deposits | 52.6753% | 5,762 |
| Net loans and leases to core deposits | 58.9147% | 5,461 |
| Total domestic deposits to total assets | 89.4298% | 1,282 |
| Equity capital to assets | 8.8707% | 5,661 |
| Core capital (leverage) ratio | 8.4554% | 5,685 |
| Tier 1 risk-based capital ratio | 16.1673% | 3,067 |
| Total risk-based capital ratio | 17.2323% | 3,124 |
| Memoranda: | ||
| Average total assets | $64,315,800 | 5,803 |
| Average earning assets | $58,828,400 | 5,781 |
| Average equity | $5,816,800 | 6,069 |
| Average total loans | $29,217,800 | 5,986 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5750% | 3,308 |
| Cost of funding earning assets | 0.4112% | 6,054 |
| Net interest margin | 4.1639% | 1,853 |
| Noninterest income to average assets | 1.0737% | 1,309 |
| Noninterest expense to average assets | 3.5867% | 1,579 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.2939% | 1,457 |
| Return on assets (ROA) | 2.1059% | 365 |
| Pretax return on assets | 2.1059% | 566 |
| Return on Equity (ROE) | 23.1730% | 187 |
| Retained earnings to average equity (ytd only) | 10.6038% | 760 |
| Net charge-offs to loans | -0.1204% | 6,897 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4894% | 3,072 |
| Assets per employee ($millions) | 3.3898% | 5,232 |
| Cash dividends to net income (ytd only)* | 54.2408% | 1,509 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2595% | 5,008 |
| Loan loss allowance to noncurrent loans | 105.2326% | 3,093 |
| Noncurrent assets plus other real estate owned to assets | 0.6024% | 5,170 |
| Noncurrent loans to loans | 1.1969% | 4,056 |
| Net loans and leases to total assets | 44.0620% | 5,965 |
| Net loans and leases to deposits | 49.4597% | 6,152 |
| Net loans and leases to core deposits | 54.8408% | 5,980 |
| Total domestic deposits to total assets | 89.0866% | 1,379 |
| Equity capital to assets | 9.1636% | 5,638 |
| Core capital (leverage) ratio | 8.6165% | 5,600 |
| Tier 1 risk-based capital ratio | 17.5567% | 2,520 |
| Total risk-based capital ratio | 18.7012% | 2,525 |
| Memoranda: | ||
| Average total assets | $64,198,250 | 5,875 |
| Average earning assets | $58,694,000 | 5,851 |
| Average equity | $5,834,250 | 6,140 |
| Average total loans | $28,801,500 | 6,072 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5592% | 3,532 |
| Cost of funding earning assets | 0.4201% | 6,167 |
| Net interest margin | 4.1392% | 1,942 |
| Noninterest income to average assets | 1.0604% | 1,282 |
| Noninterest expense to average assets | 3.6770% | 1,419 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.1633% | 1,840 |
| Return on assets (ROA) | 2.3827% | 239 |
| Pretax return on assets | 2.3827% | 358 |
| Return on Equity (ROE) | 26.2919% | 128 |
| Retained earnings to average equity (ytd only) | 24.5713% | 59 |
| Net charge-offs to loans | -0.1596% | 6,960 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.9665% | 2,747 |
| Assets per employee ($millions) | 3.4690% | 5,051 |
| Cash dividends to net income (ytd only)* | 6.5445% | 3,386 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2107% | 5,305 |
| Loan loss allowance to noncurrent loans | 110.4615% | 2,925 |
| Noncurrent assets plus other real estate owned to assets | 0.5598% | 5,359 |
| Noncurrent loans to loans | 1.0960% | 4,334 |
| Net loans and leases to total assets | 44.4448% | 5,969 |
| Net loans and leases to deposits | 49.7935% | 6,195 |
| Net loans and leases to core deposits | 56.4823% | 5,903 |
| Total domestic deposits to total assets | 89.2582% | 1,354 |
| Equity capital to assets | 9.0880% | 5,595 |
| Core capital (leverage) ratio | 9.0063% | 4,908 |
| Tier 1 risk-based capital ratio | 17.3680% | 2,524 |
| Total risk-based capital ratio | 18.4425% | 2,550 |
| Memoranda: | ||
| Average total assets | $64,128,670 | 5,912 |
| Average earning assets | $58,562,670 | 5,888 |
| Average equity | $5,811,670 | 6,168 |
| Average total loans | $28,821,670 | 6,120 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6706% | 3,163 |
| Cost of funding earning assets | 0.4303% | 6,253 |
| Net interest margin | 4.2403% | 1,634 |
| Noninterest income to average assets | 1.2651% | 888 |
| Noninterest expense to average assets | 3.7762% | 1,245 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.3536% | 1,310 |
| Return on assets (ROA) | 3.7003% | 81 |
| Pretax return on assets | 3.7003% | 104 |
| Return on Equity (ROE) | 40.8912% | 47 |
| Retained earnings to average equity (ytd only) | 37.3962% | 38 |
| Net charge-offs to loans | -0.1971% | 6,991 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6128% | 3,154 |
| Assets per employee ($millions) | 3.4146% | 5,311 |
| Cash dividends to net income (ytd only)* | 8.5470% | 2,586 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2145% | 5,422 |
| Loan loss allowance to noncurrent loans | 35.0000% | 5,910 |
| Noncurrent assets plus other real estate owned to assets | 1.9576% | 2,965 |
| Noncurrent loans to loans | 3.4699% | 1,800 |
| Net loans and leases to total assets | 43.8815% | 6,027 |
| Net loans and leases to deposits | 49.0819% | 6,214 |
| Net loans and leases to core deposits | 55.5103% | 5,945 |
| Total domestic deposits to total assets | 89.4046% | 1,419 |
| Equity capital to assets | 8.9107% | 5,624 |
| Core capital (leverage) ratio | 8.7417% | 5,224 |
| Tier 1 risk-based capital ratio | 17.1291% | 2,636 |
| Total risk-based capital ratio | 18.1951% | 2,659 |
| Memoranda: | ||
| Average total assets | $63,237,500 | 5,978 |
| Average earning assets | $57,637,500 | 5,952 |
| Average equity | $5,722,500 | 6,219 |
| Average total loans | $28,406,000 | 6,187 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0341% | 2,739 |
| Cost of funding earning assets | 0.4776% | 6,624 |
| Net interest margin | 4.5565% | 1,009 |
| Noninterest income to average assets | 1.4637% | 607 |
| Noninterest expense to average assets | 3.9845% | 1,059 |
| Loan and lease loss provision to assets | 0.2008% | 4,174 |
| Net operating income to assets | 1.4106% | 1,011 |
| Return on assets (ROA) | 1.5898% | 741 |
| Pretax return on assets | 1.5898% | 1,229 |
| Return on Equity (ROE) | 18.1556% | 368 |
| Retained earnings to average equity (ytd only) | 8.3956% | 956 |
| Net charge-offs to loans | 0.4877% | 3,042 |
| Credit loss provision to net charge-offs | 87.6812% | 4,113 |
| Earnings coverage of net charge-offs (x) | 7.0362% | 2,410 |
| Efficiency ratio | 71.2040% | 3,748 |
| Assets per employee ($millions) | 3.4221% | 5,197 |
| Cash dividends to net income (ytd only)* | 53.7578% | 1,865 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2003% | 5,384 |
| Loan loss allowance to noncurrent loans | 146.7249% | 2,167 |
| Noncurrent assets plus other real estate owned to assets | 0.8523% | 4,918 |
| Noncurrent loans to loans | 0.8181% | 5,053 |
| Net loans and leases to total assets | 44.8992% | 6,123 |
| Net loans and leases to deposits | 50.4266% | 6,328 |
| Net loans and leases to core deposits | 55.4971% | 6,190 |
| Total domestic deposits to total assets | 89.0386% | 1,516 |
| Equity capital to assets | 9.1951% | 5,295 |
| Core capital (leverage) ratio | 8.2433% | 5,932 |
| Tier 1 risk-based capital ratio | 15.4954% | 3,325 |
| Total risk-based capital ratio | 16.5185% | 3,431 |
| Memoranda: | ||
| Average total assets | $60,258,200 | 6,029 |
| Average earning assets | $54,647,200 | 6,024 |
| Average equity | $5,276,600 | 6,357 |
| Average total loans | $28,296,800 | 6,238 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0837% | 2,687 |
| Cost of funding earning assets | 0.4883% | 6,752 |
| Net interest margin | 4.5954% | 955 |
| Noninterest income to average assets | 1.5019% | 582 |
| Noninterest expense to average assets | 3.7024% | 1,492 |
| Loan and lease loss provision to assets | 0.1669% | 4,389 |
| Net operating income to assets | 1.8000% | 520 |
| Return on assets (ROA) | 1.9958% | 373 |
| Pretax return on assets | 1.9958% | 628 |
| Return on Equity (ROE) | 23.0893% | 185 |
| Retained earnings to average equity (ytd only) | 12.6130% | 417 |
| Net charge-offs to loans | 0.3289% | 3,449 |
| Credit loss provision to net charge-offs | 107.1429% | 3,086 |
| Earnings coverage of net charge-offs (x) | 12.6287% | 1,688 |
| Efficiency ratio | 65.3061% | 4,845 |
| Assets per employee ($millions) | 3.4354% | 5,152 |
| Cash dividends to net income (ytd only)* | 45.3732% | 1,798 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2440% | 5,282 |
| Loan loss allowance to noncurrent loans | 82.6790% | 3,466 |
| Noncurrent assets plus other real estate owned to assets | 1.5136% | 3,837 |
| Noncurrent loans to loans | 1.5046% | 4,031 |
| Net loans and leases to total assets | 45.9604% | 6,155 |
| Net loans and leases to deposits | 51.6868% | 6,392 |
| Net loans and leases to core deposits | 55.2132% | 6,375 |
| Total domestic deposits to total assets | 88.9211% | 1,472 |
| Equity capital to assets | 9.2661% | 5,430 |
| Core capital (leverage) ratio | 8.3663% | 5,904 |
| Tier 1 risk-based capital ratio | 14.5413% | 3,947 |
| Total risk-based capital ratio | 15.5549% | 4,087 |
| Memoranda: | ||
| Average total assets | $59,923,250 | 6,088 |
| Average earning assets | $54,342,750 | 6,088 |
| Average equity | $5,179,750 | 6,445 |
| Average total loans | $28,372,750 | 6,286 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0664% | 2,851 |
| Cost of funding earning assets | 0.5018% | 6,841 |
| Net interest margin | 4.5646% | 977 |
| Noninterest income to average assets | 1.5248% | 548 |
| Noninterest expense to average assets | 3.7008% | 1,525 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.9668% | 361 |
| Return on assets (ROA) | 1.8858% | 452 |
| Pretax return on assets | 1.8858% | 730 |
| Return on Equity (ROE) | 22.3764% | 221 |
| Retained earnings to average equity (ytd only) | 19.3742% | 107 |
| Net charge-offs to loans | -0.0779% | 7,111 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2976% | 5,005 |
| Assets per employee ($millions) | 3.2382% | 5,551 |
| Cash dividends to net income (ytd only)* | 13.4168% | 3,050 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2750% | 5,172 |
| Loan loss allowance to noncurrent loans | 50.3458% | 4,999 |
| Noncurrent assets plus other real estate owned to assets | 1.6075% | 3,787 |
| Noncurrent loans to loans | 2.5326% | 2,855 |
| Net loans and leases to total assets | 45.8090% | 6,292 |
| Net loans and leases to deposits | 51.3604% | 6,512 |
| Net loans and leases to core deposits | 54.8658% | 6,502 |
| Total domestic deposits to total assets | 89.1914% | 1,423 |
| Equity capital to assets | 9.0679% | 5,487 |
| Core capital (leverage) ratio | 8.4286% | 5,666 |
| Tier 1 risk-based capital ratio | 14.8090% | 3,608 |
| Total risk-based capital ratio | 15.8598% | 3,691 |
| Memoranda: | ||
| Average total assets | $59,285,000 | 6,167 |
| Average earning assets | $53,805,000 | 6,154 |
| Average equity | $4,996,330 | 6,532 |
| Average total loans | $28,237,330 | 6,355 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0858% | 2,709 |
| Cost of funding earning assets | 0.5230% | 6,887 |
| Net interest margin | 4.5628% | 931 |
| Noninterest income to average assets | 1.4029% | 660 |
| Noninterest expense to average assets | 3.5416% | 1,898 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 2.0012% | 350 |
| Return on assets (ROA) | 1.8362% | 484 |
| Pretax return on assets | 1.8362% | 763 |
| Return on Equity (ROE) | 22.6993% | 224 |
| Retained earnings to average equity (ytd only) | 19.7237% | 171 |
| Net charge-offs to loans | -0.1424% | 7,189 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8958% | 5,378 |
| Assets per employee ($millions) | 2.9450% | 6,245 |
| Cash dividends to net income (ytd only)* | 13.1086% | 2,325 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2777% | 5,247 |
| Loan loss allowance to noncurrent loans | 79.2576% | 3,566 |
| Noncurrent assets plus other real estate owned to assets | 1.2292% | 4,499 |
| Noncurrent loans to loans | 1.6121% | 4,066 |
| Net loans and leases to total assets | 47.6197% | 6,120 |
| Net loans and leases to deposits | 53.3861% | 6,355 |
| Net loans and leases to core deposits | 57.2140% | 6,326 |
| Total domestic deposits to total assets | 89.1986% | 1,646 |
| Equity capital to assets | 8.5246% | 5,871 |
| Core capital (leverage) ratio | 8.3296% | 5,748 |
| Tier 1 risk-based capital ratio | 14.5019% | 3,738 |
| Total risk-based capital ratio | 15.5811% | 3,807 |
| Memoranda: | ||
| Average total assets | $58,165,000 | 6,253 |
| Average earning assets | $52,774,500 | 6,245 |
| Average equity | $4,705,000 | 6,652 |
| Average total loans | $28,082,000 | 6,414 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3834% | 2,754 |
| Cost of funding earning assets | 0.6787% | 6,935 |
| Net interest margin | 4.7047% | 809 |
| Noninterest income to average assets | 1.3216% | 845 |
| Noninterest expense to average assets | 3.9945% | 1,168 |
| Loan and lease loss provision to assets | 0.0873% | 6,280 |
| Net operating income to assets | 1.4875% | 786 |
| Return on assets (ROA) | 1.7232% | 534 |
| Pretax return on assets | 1.7232% | 900 |
| Return on Equity (ROE) | 20.3212% | 235 |
| Retained earnings to average equity (ytd only) | 8.5855% | 821 |
| Net charge-offs to loans | 0.0666% | 6,130 |
| Credit loss provision to net charge-offs | 277.7778% | 978 |
| Earnings coverage of net charge-offs (x) | 50.1111% | 467 |
| Efficiency ratio | 71.7241% | 3,850 |
| Assets per employee ($millions) | 2.8715% | 6,398 |
| Cash dividends to net income (ytd only)* | 57.7508% | 1,722 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2719% | 5,152 |
| Loan loss allowance to noncurrent loans | 103.2164% | 2,811 |
| Noncurrent assets plus other real estate owned to assets | 1.0587% | 4,886 |
| Noncurrent loans to loans | 1.2323% | 4,666 |
| Net loans and leases to total assets | 47.7103% | 6,420 |
| Net loans and leases to deposits | 52.8193% | 6,684 |
| Net loans and leases to core deposits | 56.6514% | 6,659 |
| Total domestic deposits to total assets | 90.3274% | 919 |
| Equity capital to assets | 7.6423% | 6,784 |
| Core capital (leverage) ratio | 7.9287% | 6,291 |
| Tier 1 risk-based capital ratio | 14.1079% | 3,801 |
| Total risk-based capital ratio | 15.1798% | 3,884 |
| Memoranda: | ||
| Average total assets | $57,278,600 | 6,299 |
| Average earning assets | $51,714,200 | 6,304 |
| Average equity | $4,857,000 | 6,711 |
| Average total loans | $27,019,600 | 6,551 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3680% | 3,039 |
| Cost of funding earning assets | 0.7023% | 7,055 |
| Net interest margin | 4.6657% | 915 |
| Noninterest income to average assets | 1.2928% | 827 |
| Noninterest expense to average assets | 3.6547% | 1,662 |
| Loan and lease loss provision to assets | 0.1165% | 5,862 |
| Net operating income to assets | 1.7307% | 584 |
| Return on assets (ROA) | 1.9822% | 373 |
| Pretax return on assets | 1.9822% | 638 |
| Return on Equity (ROE) | 22.8114% | 168 |
| Retained earnings to average equity (ytd only) | 20.1309% | 81 |
| Net charge-offs to loans | -0.0745% | 7,513 |
| Credit loss provision to net charge-offs | -333.3333% | 6,987 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4268% | 4,767 |
| Assets per employee ($millions) | 2.8878% | 6,402 |
| Cash dividends to net income (ytd only)* | 11.7509% | 3,271 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3927% | 4,503 |
| Loan loss allowance to noncurrent loans | 804.1667% | 435 |
| Noncurrent assets plus other real estate owned to assets | 0.5437% | 6,066 |
| Noncurrent loans to loans | 0.1732% | 6,838 |
| Net loans and leases to total assets | 47.3206% | 6,577 |
| Net loans and leases to deposits | 53.3393% | 6,812 |
| Net loans and leases to core deposits | 56.0799% | 6,849 |
| Total domestic deposits to total assets | 88.7161% | 1,554 |
| Equity capital to assets | 9.4936% | 4,856 |
| Core capital (leverage) ratio | 8.5909% | 5,362 |
| Tier 1 risk-based capital ratio | 15.3713% | 3,064 |
| Total risk-based capital ratio | 16.5628% | 3,054 |
| Memoranda: | ||
| Average total assets | $57,240,750 | 6,378 |
| Average earning assets | $51,638,250 | 6,376 |
| Average equity | $4,974,000 | 6,757 |
| Average total loans | $26,836,250 | 6,654 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3378% | 3,276 |
| Cost of funding earning assets | 0.7320% | 7,120 |
| Net interest margin | 4.6059% | 982 |
| Noninterest income to average assets | 1.3037% | 750 |
| Noninterest expense to average assets | 3.6096% | 1,752 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.8399% | 453 |
| Return on assets (ROA) | 2.0642% | 322 |
| Pretax return on assets | 2.0642% | 530 |
| Return on Equity (ROE) | 24.5195% | 136 |
| Retained earnings to average equity (ytd only) | 21.8137% | 67 |
| Net charge-offs to loans | -0.2713% | 7,678 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2379% | 4,940 |
| Assets per employee ($millions) | 2.9447% | 6,260 |
| Cash dividends to net income (ytd only)* | 11.0357% | 3,141 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3139% | 4,832 |
| Loan loss allowance to noncurrent loans | 150.0000% | 1,862 |
| Noncurrent assets plus other real estate owned to assets | 0.8558% | 5,404 |
| Noncurrent loans to loans | 0.8760% | 5,516 |
| Net loans and leases to total assets | 45.5276% | 6,805 |
| Net loans and leases to deposits | 50.8140% | 7,035 |
| Net loans and leases to core deposits | 53.3412% | 7,065 |
| Total domestic deposits to total assets | 89.5966% | 1,130 |
| Equity capital to assets | 8.7547% | 5,805 |
| Core capital (leverage) ratio | 8.0997% | 6,116 |
| Tier 1 risk-based capital ratio | 14.4882% | 3,450 |
| Total risk-based capital ratio | 15.5764% | 3,498 |
| Memoranda: | ||
| Average total assets | $57,069,330 | 6,431 |
| Average earning assets | $51,369,000 | 6,427 |
| Average equity | $4,804,330 | 6,840 |
| Average total loans | $26,543,000 | 6,716 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3378% | 3,354 |
| Cost of funding earning assets | 0.7546% | 7,219 |
| Net interest margin | 4.5832% | 986 |
| Noninterest income to average assets | 1.2394% | 801 |
| Noninterest expense to average assets | 3.6683% | 1,578 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.6810% | 637 |
| Return on assets (ROA) | 1.7807% | 568 |
| Pretax return on assets | 1.7807% | 916 |
| Return on Equity (ROE) | 21.6053% | 292 |
| Retained earnings to average equity (ytd only) | 21.6053% | 160 |
| Net charge-offs to loans | -0.0763% | 7,466 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5752% | 4,612 |
| Assets per employee ($millions) | 3.0540% | 6,096 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2368% | 5,296 |
| Loan loss allowance to noncurrent loans | 74.7706% | 3,635 |
| Noncurrent assets plus other real estate owned to assets | 1.2443% | 4,693 |
| Noncurrent loans to loans | 1.6541% | 4,269 |
| Net loans and leases to total assets | 44.8626% | 6,912 |
| Net loans and leases to deposits | 49.7515% | 7,137 |
| Net loans and leases to core deposits | 52.2542% | 7,188 |
| Total domestic deposits to total assets | 90.1734% | 904 |
| Equity capital to assets | 8.2170% | 6,415 |
| Core capital (leverage) ratio | 8.0260% | 6,198 |
| Tier 1 risk-based capital ratio | 13.4194% | 4,035 |
| Total risk-based capital ratio | 14.3961% | 4,198 |
| Memoranda: | ||
| Average total assets | $56,157,000 | 6,525 |
| Average earning assets | $50,357,500 | 6,535 |
| Average equity | $4,628,500 | 6,967 |
| Average total loans | $26,229,500 | 6,819 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8148% | 2,594 |
| Cost of funding earning assets | 0.9135% | 7,376 |
| Net interest margin | 4.9012% | 553 |
| Noninterest income to average assets | 1.5121% | 631 |
| Noninterest expense to average assets | 4.8061% | 607 |
| Loan and lease loss provision to assets | 0.1569% | 6,103 |
| Net operating income to assets | 0.9140% | 2,135 |
| Return on assets (ROA) | 1.0436% | 1,734 |
| Pretax return on assets | 1.0436% | 2,442 |
| Return on Equity (ROE) | 11.6621% | 1,246 |
| Retained earnings to average equity (ytd only) | 0.7946% | 4,454 |
| Net charge-offs to loans | 0.4638% | 3,928 |
| Credit loss provision to net charge-offs | 62.5000% | 6,605 |
| Earnings coverage of net charge-offs (x) | 4.2667% | 3,006 |
| Efficiency ratio | 81.7794% | 2,633 |
| Assets per employee ($millions) | 2.8573% | 6,548 |
| Cash dividends to net income (ytd only)* | 93.1864% | 778 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2298% | 5,177 |
| Loan loss allowance to noncurrent loans | 65.3768% | 4,122 |
| Noncurrent assets plus other real estate owned to assets | 1.9783% | 3,425 |
| Noncurrent loans to loans | 1.8812% | 3,827 |
| Net loans and leases to total assets | 47.4875% | 6,845 |
| Net loans and leases to deposits | 52.7587% | 7,118 |
| Net loans and leases to core deposits | 65.4431% | 7,008 |
| Total domestic deposits to total assets | 90.0088% | 954 |
| Equity capital to assets | 8.2689% | 6,243 |
| Core capital (leverage) ratio | 8.0803% | 6,032 |
| Tier 1 risk-based capital ratio | 13.0291% | 4,125 |
| Total risk-based capital ratio | 14.0181% | 4,251 |
| Memoranda: | ||
| Average total assets | $47,813,800 | 6,797 |
| Average earning assets | $42,581,200 | 6,836 |
| Average equity | $4,278,800 | 7,181 |
| Average total loans | $25,874,000 | 6,859 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9208% | 2,351 |
| Cost of funding earning assets | 0.9499% | 7,481 |
| Net interest margin | 4.9708% | 472 |
| Noninterest income to average assets | 1.5441% | 625 |
| Noninterest expense to average assets | 4.6035% | 659 |
| Loan and lease loss provision to assets | 0.2165% | 5,252 |
| Net operating income to assets | 1.1343% | 1,621 |
| Return on assets (ROA) | 1.2902% | 1,315 |
| Pretax return on assets | 1.2902% | 1,976 |
| Return on Equity (ROE) | 14.1021% | 909 |
| Retained earnings to average equity (ytd only) | 0.6940% | 4,898 |
| Net charge-offs to loans | 0.2376% | 4,562 |
| Credit loss provision to net charge-offs | 163.0435% | 2,892 |
| Earnings coverage of net charge-offs (x) | 10.1741% | 1,997 |
| Efficiency ratio | 77.3146% | 3,270 |
| Assets per employee ($millions) | 2.2441% | 7,564 |
| Cash dividends to net income (ytd only)* | 95.0771% | 651 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5381% | 3,241 |
| Loan loss allowance to noncurrent loans | 280.1418% | 1,071 |
| Noncurrent assets plus other real estate owned to assets | 1.5434% | 4,053 |
| Noncurrent loans to loans | 0.5490% | 6,216 |
| Net loans and leases to total assets | 51.2173% | 6,681 |
| Net loans and leases to deposits | 57.6542% | 6,987 |
| Net loans and leases to core deposits | 71.3951% | 6,881 |
| Total domestic deposits to total assets | 88.8353% | 1,273 |
| Equity capital to assets | 9.2344% | 5,111 |
| Core capital (leverage) ratio | 8.8165% | 4,946 |
| Tier 1 risk-based capital ratio | 13.8389% | 3,639 |
| Total risk-based capital ratio | 15.0893% | 3,597 |
| Memoranda: | ||
| Average total assets | $46,195,250 | 6,913 |
| Average earning assets | $40,984,750 | 6,959 |
| Average equity | $4,226,250 | 7,271 |
| Average total loans | $25,817,250 | 6,924 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0204% | 2,103 |
| Cost of funding earning assets | 0.9833% | 7,574 |
| Net interest margin | 5.0371% | 398 |
| Noninterest income to average assets | 1.5420% | 627 |
| Noninterest expense to average assets | 4.6968% | 646 |
| Loan and lease loss provision to assets | 0.3323% | 3,944 |
| Net operating income to assets | 0.9615% | 2,240 |
| Return on assets (ROA) | 1.1609% | 1,661 |
| Pretax return on assets | 1.1609% | 2,425 |
| Return on Equity (ROE) | 12.7329% | 1,235 |
| Retained earnings to average equity (ytd only) | -6.7066% | 6,526 |
| Net charge-offs to loans | 0.3944% | 3,229 |
| Credit loss provision to net charge-offs | 147.0588% | 3,144 |
| Earnings coverage of net charge-offs (x) | 5.7255% | 2,774 |
| Efficiency ratio | 78.4024% | 3,290 |
| Assets per employee ($millions) | 2.1462% | 7,730 |
| Cash dividends to net income (ytd only)* | 152.6718% | 347 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5692% | 2,876 |
| Loan loss allowance to noncurrent loans | 111.7479% | 2,630 |
| Noncurrent assets plus other real estate owned to assets | 2.4271% | 2,661 |
| Noncurrent loans to loans | 1.4042% | 4,406 |
| Net loans and leases to total assets | 51.8129% | 6,703 |
| Net loans and leases to deposits | 57.9510% | 7,032 |
| Net loans and leases to core deposits | 70.2020% | 7,009 |
| Total domestic deposits to total assets | 89.4083% | 1,076 |
| Equity capital to assets | 8.6856% | 5,778 |
| Core capital (leverage) ratio | 8.6118% | 5,244 |
| Tier 1 risk-based capital ratio | 13.7052% | 3,690 |
| Total risk-based capital ratio | 14.9551% | 3,615 |
| Memoranda: | ||
| Average total assets | $45,137,000 | 7,014 |
| Average earning assets | $39,864,330 | 7,059 |
| Average equity | $4,115,330 | 7,373 |
| Average total loans | $25,862,670 | 6,973 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0758% | 2,042 |
| Cost of funding earning assets | 1.0109% | 7,656 |
| Net interest margin | 5.0649% | 346 |
| Noninterest income to average assets | 1.5420% | 583 |
| Noninterest expense to average assets | 4.6352% | 636 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.3606% | 1,235 |
| Return on assets (ROA) | 1.6418% | 805 |
| Pretax return on assets | 1.6418% | 1,312 |
| Return on Equity (ROE) | 17.5622% | 631 |
| Retained earnings to average equity (ytd only) | -18.8235% | 7,611 |
| Net charge-offs to loans | 0.0152% | 5,372 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 150.0000% | 298 |
| Efficiency ratio | 77.3071% | 3,282 |
| Assets per employee ($millions) | 2.0973% | 7,807 |
| Cash dividends to net income (ytd only)* | 207.1823% | 283 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3829% | 3,595 |
| Loan loss allowance to noncurrent loans | 35.5750% | 6,180 |
| Noncurrent assets plus other real estate owned to assets | 3.1686% | 1,761 |
| Noncurrent loans to loans | 3.8874% | 1,572 |
| Net loans and leases to total assets | 56.4109% | 6,179 |
| Net loans and leases to deposits | 63.1120% | 6,640 |
| Net loans and leases to core deposits | 77.3515% | 6,587 |
| Total domestic deposits to total assets | 89.3823% | 1,063 |
| Equity capital to assets | 8.7798% | 5,655 |
| Core capital (leverage) ratio | 9.0141% | 4,690 |
| Tier 1 risk-based capital ratio | 12.8961% | 4,252 |
| Total risk-based capital ratio | 14.0725% | 4,227 |
| Memoranda: | ||
| Average total assets | $44,097,500 | 7,098 |
| Average earning assets | $38,776,500 | 7,133 |
| Average equity | $4,122,500 | 7,407 |
| Average total loans | $26,367,000 | 6,987 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7857% | 1,731 |
| Cost of funding earning assets | 1.3758% | 7,768 |
| Net interest margin | 5.4099% | 236 |
| Noninterest income to average assets | 1.6632% | 500 |
| Noninterest expense to average assets | 5.5096% | 498 |
| Loan and lease loss provision to assets | 0.0310% | 7,016 |
| Net operating income to assets | 0.8232% | 3,342 |
| Return on assets (ROA) | 0.9473% | 2,660 |
| Pretax return on assets | 0.9473% | 3,561 |
| Return on Equity (ROE) | 9.6000% | 2,398 |
| Retained earnings to average equity (ytd only) | 2.8050% | 3,436 |
| Net charge-offs to loans | 0.1705% | 4,499 |
| Credit loss provision to net charge-offs | 32.5000% | 6,505 |
| Earnings coverage of net charge-offs (x) | 8.9500% | 2,788 |
| Efficiency ratio | 86.5767% | 1,799 |
| Assets per employee ($millions) | 2.1028% | 7,821 |
| Cash dividends to net income (ytd only)* | 70.7809% | 2,139 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3895% | 3,258 |
| Loan loss allowance to noncurrent loans | 62.0339% | 4,898 |
| Noncurrent assets plus other real estate owned to assets | 2.4397% | 1,986 |
| Noncurrent loans to loans | 2.2399% | 2,456 |
| Net loans and leases to total assets | 61.7644% | 5,655 |
| Net loans and leases to deposits | 78.5170% | 5,265 |
| Net loans and leases to core deposits | 89.1907% | 5,877 |
| Total domestic deposits to total assets | 78.6637% | 5,496 |
| Equity capital to assets | 9.9727% | 4,070 |
| Core capital (leverage) ratio | 10.4090% | 3,061 |
| Tier 1 risk-based capital ratio | 13.4773% | 3,835 |
| Total risk-based capital ratio | 14.6534% | 3,772 |
| Memoranda: | ||
| Average total assets | $41,908,400 | 7,133 |
| Average earning assets | $36,415,000 | 7,221 |
| Average equity | $4,135,400 | 7,457 |
| Average total loans | $23,463,400 | 7,108 |