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 | 6.4189% | 701 |
| Cost of funding earning assets | 2.9072% | 388 |
| Net interest margin | 3.5117% | 2,284 |
| Noninterest income to average assets | 0.3700% | 2,414 |
| Noninterest expense to average assets | 2.0095% | 3,534 |
| Loan and lease loss provision to assets | 0.1300% | 1,005 |
| Net operating income to assets | 1.5529% | 989 |
| Return on assets (ROA) | 1.5529% | 985 |
| Pretax return on assets | 1.5837% | 1,340 |
| Return on Equity (ROE) | 16.8400% | 784 |
| Retained earnings to average equity (ytd only) | 10.8514% | 994 |
| Net charge-offs to loans | 0.0484% | 1,179 |
| Credit loss provision to net charge-offs | 312.5000% | 699 |
| Earnings coverage of net charge-offs (x) | 41.7083% | 1,080 |
| Efficiency ratio | 53.9982% | 3,598 |
| Assets per employee ($millions) | 9.8140% | 843 |
| Cash dividends to net income (ytd only)* | 35.5727% | 1,606 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0693% | 2,877 |
| Loan loss allowance to noncurrent loans | 548.3461% | 1,074 |
| Noncurrent assets plus other real estate owned to assets | 0.1669% | 2,668 |
| Noncurrent loans to loans | 0.1950% | 2,803 |
| Net loans and leases to total assets | 84.6500% | 213 |
| Net loans and leases to deposits | 94.1889% | 753 |
| Net loans and leases to core deposits | 119.3372% | 570 |
| Total domestic deposits to total assets | 89.8700% | 855 |
| Equity capital to assets | 9.2954% | 2,714 |
| Core capital (leverage) ratio | 9.4764% | 3,316 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $233,885,500 | 2,822 |
| Average earning assets | $223,029,000 | 2,779 |
| Average equity | $21,564,000 | 2,918 |
| Average total loans | $198,304,000 | 2,417 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3138% | 899 |
| Cost of funding earning assets | 3.0772% | 421 |
| Net interest margin | 3.2366% | 2,652 |
| Noninterest income to average assets | 0.3700% | 2,639 |
| Noninterest expense to average assets | 1.9505% | 3,700 |
| Loan and lease loss provision to assets | 0.0800% | 1,685 |
| Net operating income to assets | 1.3834% | 1,105 |
| Return on assets (ROA) | 1.3834% | 1,101 |
| Pretax return on assets | 1.4233% | 1,445 |
| Return on Equity (ROE) | 15.7600% | 815 |
| Retained earnings to average equity (ytd only) | 9.2870% | 725 |
| Net charge-offs to loans | 0.0221% | 2,153 |
| Credit loss provision to net charge-offs | 452.3810% | 688 |
| Earnings coverage of net charge-offs (x) | 81.7857% | 913 |
| Efficiency ratio | 56.4197% | 3,519 |
| Assets per employee ($millions) | 10.0972% | 757 |
| Cash dividends to net income (ytd only)* | 41.0907% | 2,080 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0786% | 2,798 |
| Loan loss allowance to noncurrent loans | 495.0588% | 1,204 |
| Noncurrent assets plus other real estate owned to assets | 0.1830% | 2,525 |
| Noncurrent loans to loans | 0.2179% | 2,641 |
| Net loans and leases to total assets | 83.0900% | 348 |
| Net loans and leases to deposits | 92.2926% | 1,012 |
| Net loans and leases to core deposits | 120.7700% | 578 |
| Total domestic deposits to total assets | 90.0300% | 807 |
| Equity capital to assets | 9.1433% | 2,712 |
| Core capital (leverage) ratio | 9.1139% | 3,614 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $227,990,200 | 2,831 |
| Average earning assets | $217,602,400 | 2,783 |
| Average equity | $20,006,400 | 2,971 |
| Average total loans | $190,392,800 | 2,433 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2072% | 987 |
| Cost of funding earning assets | 3.0427% | 474 |
| Net interest margin | 3.1645% | 2,760 |
| Noninterest income to average assets | 0.3700% | 2,610 |
| Noninterest expense to average assets | 1.9706% | 3,623 |
| Loan and lease loss provision to assets | 0.0800% | 1,521 |
| Net operating income to assets | 1.3231% | 1,278 |
| Return on assets (ROA) | 1.3231% | 1,278 |
| Pretax return on assets | 1.3484% | 1,642 |
| Return on Equity (ROE) | 15.2400% | 913 |
| Retained earnings to average equity (ytd only) | 6.4704% | 1,927 |
| Net charge-offs to loans | 0.0296% | 1,734 |
| Credit loss provision to net charge-offs | 309.5238% | 831 |
| Earnings coverage of net charge-offs (x) | 57.7381% | 1,120 |
| Efficiency ratio | 58.0377% | 3,345 |
| Assets per employee ($millions) | 10.8940% | 591 |
| Cash dividends to net income (ytd only)* | 57.5488% | 1,086 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0394% | 3,047 |
| Loan loss allowance to noncurrent loans | 489.2344% | 1,270 |
| Noncurrent assets plus other real estate owned to assets | 0.1744% | 2,594 |
| Noncurrent loans to loans | 0.2125% | 2,684 |
| Net loans and leases to total assets | 81.2400% | 485 |
| Net loans and leases to deposits | 89.7267% | 1,270 |
| Net loans and leases to core deposits | 117.4444% | 688 |
| Total domestic deposits to total assets | 90.5400% | 457 |
| Equity capital to assets | 8.5118% | 3,396 |
| Core capital (leverage) ratio | 8.8959% | 3,838 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $226,928,750 | 2,825 |
| Average earning assets | $216,689,250 | 2,781 |
| Average equity | $19,699,500 | 2,989 |
| Average total loans | $189,222,500 | 2,443 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1436% | 979 |
| Cost of funding earning assets | 2.9702% | 489 |
| Net interest margin | 3.1734% | 2,684 |
| Noninterest income to average assets | 0.3600% | 2,636 |
| Noninterest expense to average assets | 2.0020% | 3,556 |
| Loan and lease loss provision to assets | 0.0600% | 1,720 |
| Net operating income to assets | 1.3023% | 1,256 |
| Return on assets (ROA) | 1.3023% | 1,271 |
| Pretax return on assets | 1.3212% | 1,647 |
| Return on Equity (ROE) | 14.9000% | 994 |
| Retained earnings to average equity (ytd only) | 4.9111% | 2,365 |
| Net charge-offs to loans | 0.0600% | 1,169 |
| Credit loss provision to net charge-offs | 125.0000% | 1,327 |
| Earnings coverage of net charge-offs (x) | 27.5179% | 1,441 |
| Efficiency ratio | 59.1247% | 3,285 |
| Assets per employee ($millions) | 10.3739% | 657 |
| Cash dividends to net income (ytd only)* | 67.0345% | 942 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0192% | 3,181 |
| Loan loss allowance to noncurrent loans | 493.9850% | 1,292 |
| Noncurrent assets plus other real estate owned to assets | 0.1748% | 2,519 |
| Noncurrent loans to loans | 0.2063% | 2,662 |
| Net loans and leases to total assets | 83.8700% | 299 |
| Net loans and leases to deposits | 94.5559% | 891 |
| Net loans and leases to core deposits | 123.3984% | 545 |
| Total domestic deposits to total assets | 88.7000% | 1,101 |
| Equity capital to assets | 8.6287% | 3,008 |
| Core capital (leverage) ratio | 8.9525% | 3,766 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $222,682,667 | 2,851 |
| Average earning assets | $212,642,667 | 2,808 |
| Average equity | $19,466,000 | 2,982 |
| Average total loans | $186,716,000 | 2,450 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0601% | 985 |
| Cost of funding earning assets | 2.9185% | 490 |
| Net interest margin | 3.1416% | 2,692 |
| Noninterest income to average assets | 0.3600% | 2,553 |
| Noninterest expense to average assets | 2.0265% | 3,514 |
| Loan and lease loss provision to assets | 0.0500% | 1,722 |
| Net operating income to assets | 1.2515% | 1,324 |
| Return on assets (ROA) | 1.2515% | 1,337 |
| Pretax return on assets | 1.2897% | 1,666 |
| Return on Equity (ROE) | 14.3000% | 1,091 |
| Retained earnings to average equity (ytd only) | 7.5664% | 1,666 |
| Net charge-offs to loans | -0.0044% | 3,694 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 60.2814% | 3,234 |
| Assets per employee ($millions) | 10.1053% | 715 |
| Cash dividends to net income (ytd only)* | 47.0930% | 1,360 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0694% | 2,955 |
| Loan loss allowance to noncurrent loans | 518.0157% | 1,315 |
| Noncurrent assets plus other real estate owned to assets | 0.1723% | 2,503 |
| Noncurrent loans to loans | 0.2064% | 2,597 |
| Net loans and leases to total assets | 82.5600% | 368 |
| Net loans and leases to deposits | 91.7892% | 1,059 |
| Net loans and leases to core deposits | 116.8834% | 725 |
| Total domestic deposits to total assets | 89.9500% | 811 |
| Equity capital to assets | 8.7398% | 2,852 |
| Core capital (leverage) ratio | 9.0253% | 3,687 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $219,889,500 | 2,877 |
| Average earning assets | $209,832,500 | 2,830 |
| Average equity | $19,243,000 | 3,013 |
| Average total loans | $183,379,500 | 2,473 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3557% | 1,386 |
| Cost of funding earning assets | 2.3125% | 532 |
| Net interest margin | 3.0432% | 3,195 |
| Noninterest income to average assets | 0.4300% | 2,344 |
| Noninterest expense to average assets | 2.0037% | 3,621 |
| Loan and lease loss provision to assets | 0.0900% | 1,416 |
| Net operating income to assets | 1.2050% | 1,639 |
| Return on assets (ROA) | 1.2050% | 1,613 |
| Pretax return on assets | 1.2449% | 2,019 |
| Return on Equity (ROE) | 14.0500% | 1,474 |
| Retained earnings to average equity (ytd only) | 6.8841% | 1,924 |
| Net charge-offs to loans | 0.0041% | 2,581 |
| Credit loss provision to net charge-offs | 2,571.4286% | 184 |
| Earnings coverage of net charge-offs (x) | 400.0000% | 353 |
| Efficiency ratio | 60.0969% | 3,065 |
| Assets per employee ($millions) | 9.8847% | 732 |
| Cash dividends to net income (ytd only)* | 50.9858% | 1,579 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0799% | 2,937 |
| Loan loss allowance to noncurrent loans | 453.0093% | 1,532 |
| Noncurrent assets plus other real estate owned to assets | 0.1987% | 2,232 |
| Noncurrent loans to loans | 0.2384% | 2,357 |
| Net loans and leases to total assets | 82.4400% | 396 |
| Net loans and leases to deposits | 96.9236% | 721 |
| Net loans and leases to core deposits | 121.5070% | 578 |
| Total domestic deposits to total assets | 85.0500% | 2,297 |
| Equity capital to assets | 8.7629% | 2,852 |
| Core capital (leverage) ratio | 9.1624% | 3,572 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $210,460,600 | 2,909 |
| Average earning assets | $200,647,200 | 2,863 |
| Average equity | $18,056,200 | 3,006 |
| Average total loans | $169,266,400 | 2,529 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1676% | 1,514 |
| Cost of funding earning assets | 2.1946% | 503 |
| Net interest margin | 2.9730% | 3,395 |
| Noninterest income to average assets | 0.4500% | 2,198 |
| Noninterest expense to average assets | 1.9973% | 3,602 |
| Loan and lease loss provision to assets | 0.0900% | 1,295 |
| Net operating income to assets | 1.1733% | 1,872 |
| Return on assets (ROA) | 1.1733% | 1,854 |
| Pretax return on assets | 1.1983% | 2,301 |
| Return on Equity (ROE) | 13.6800% | 1,741 |
| Retained earnings to average equity (ytd only) | 4.0515% | 3,246 |
| Net charge-offs to loans | 0.0064% | 2,206 |
| Credit loss provision to net charge-offs | 1,687.5000% | 279 |
| Earnings coverage of net charge-offs (x) | 251.3750% | 511 |
| Efficiency ratio | 60.8603% | 2,866 |
| Assets per employee ($millions) | 8.5972% | 1,085 |
| Cash dividends to net income (ytd only)* | 70.3865% | 648 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0844% | 2,944 |
| Loan loss allowance to noncurrent loans | 451.7730% | 1,540 |
| Noncurrent assets plus other real estate owned to assets | 0.1968% | 2,283 |
| Noncurrent loans to loans | 0.2400% | 2,389 |
| Net loans and leases to total assets | 81.1000% | 525 |
| Net loans and leases to deposits | 91.3253% | 1,111 |
| Net loans and leases to core deposits | 114.1663% | 723 |
| Total domestic deposits to total assets | 88.8000% | 1,317 |
| Equity capital to assets | 8.4702% | 2,746 |
| Core capital (leverage) ratio | 8.8945% | 3,869 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $208,742,250 | 2,932 |
| Average earning assets | $199,029,750 | 2,883 |
| Average equity | $17,902,250 | 3,011 |
| Average total loans | $166,276,500 | 2,558 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9193% | 1,716 |
| Cost of funding earning assets | 2.0299% | 468 |
| Net interest margin | 2.8895% | 3,666 |
| Noninterest income to average assets | 0.3900% | 2,505 |
| Noninterest expense to average assets | 1.9383% | 3,740 |
| Loan and lease loss provision to assets | 0.0900% | 1,256 |
| Net operating income to assets | 1.1061% | 2,110 |
| Return on assets (ROA) | 1.1061% | 2,099 |
| Pretax return on assets | 1.1206% | 2,586 |
| Return on Equity (ROE) | 12.8400% | 1,937 |
| Retained earnings to average equity (ytd only) | 1.9212% | 3,739 |
| Net charge-offs to loans | 0.0135% | 1,682 |
| Credit loss provision to net charge-offs | 818.1818% | 472 |
| Earnings coverage of net charge-offs (x) | 113.4545% | 875 |
| Efficiency ratio | 61.6118% | 2,759 |
| Assets per employee ($millions) | 10.2752% | 621 |
| Cash dividends to net income (ytd only)* | 85.0394% | 481 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0917% | 2,991 |
| Loan loss allowance to noncurrent loans | 427.2936% | 1,729 |
| Noncurrent assets plus other real estate owned to assets | 0.7276% | 710 |
| Noncurrent loans to loans | 0.2555% | 2,242 |
| Net loans and leases to total assets | 78.2300% | 810 |
| Net loans and leases to deposits | 87.8116% | 1,358 |
| Net loans and leases to core deposits | 108.9696% | 869 |
| Total domestic deposits to total assets | 89.0800% | 1,230 |
| Equity capital to assets | 8.2742% | 3,037 |
| Core capital (leverage) ratio | 8.9201% | 3,843 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $206,679,333 | 2,953 |
| Average earning assets | $197,058,667 | 2,912 |
| Average equity | $17,801,333 | 3,034 |
| Average total loans | $162,962,333 | 2,572 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6769% | 1,905 |
| Cost of funding earning assets | 1.7994% | 452 |
| Net interest margin | 2.8775% | 3,822 |
| Noninterest income to average assets | 0.3900% | 2,457 |
| Noninterest expense to average assets | 1.9196% | 3,809 |
| Loan and lease loss provision to assets | 0.0900% | 1,196 |
| Net operating income to assets | 1.1003% | 2,224 |
| Return on assets (ROA) | 1.1003% | 2,190 |
| Pretax return on assets | 1.1300% | 2,628 |
| Return on Equity (ROE) | 12.5100% | 2,095 |
| Retained earnings to average equity (ytd only) | 5.2208% | 2,969 |
| Net charge-offs to loans | 0.0277% | 1,137 |
| Credit loss provision to net charge-offs | 409.0909% | 603 |
| Earnings coverage of net charge-offs (x) | 56.0000% | 1,053 |
| Efficiency ratio | 61.1602% | 2,801 |
| Assets per employee ($millions) | 9.9187% | 722 |
| Cash dividends to net income (ytd only)* | 58.2734% | 997 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1221% | 2,949 |
| Loan loss allowance to noncurrent loans | 110.1151% | 3,276 |
| Noncurrent assets plus other real estate owned to assets | 0.7926% | 607 |
| Noncurrent loans to loans | 1.0190% | 715 |
| Net loans and leases to total assets | 76.9100% | 880 |
| Net loans and leases to deposits | 85.2993% | 1,404 |
| Net loans and leases to core deposits | 101.1798% | 1,037 |
| Total domestic deposits to total assets | 90.1700% | 1,098 |
| Equity capital to assets | 8.6503% | 2,784 |
| Core capital (leverage) ratio | 9.2696% | 3,442 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $202,129,000 | 3,030 |
| Average earning assets | $192,948,500 | 2,976 |
| Average equity | $17,775,000 | 3,062 |
| Average total loans | $159,114,500 | 2,629 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1059% | 1,462 |
| Cost of funding earning assets | 0.6983% | 582 |
| Net interest margin | 3.4076% | 2,233 |
| Noninterest income to average assets | 0.4800% | 2,209 |
| Noninterest expense to average assets | 1.9925% | 3,593 |
| Loan and lease loss provision to assets | 0.0900% | 1,322 |
| Net operating income to assets | 1.5951% | 699 |
| Return on assets (ROA) | 1.5951% | 666 |
| Pretax return on assets | 1.6368% | 1,068 |
| Return on Equity (ROE) | 17.1900% | 833 |
| Retained earnings to average equity (ytd only) | 9.9606% | 1,166 |
| Net charge-offs to loans | 0.0181% | 1,740 |
| Credit loss provision to net charge-offs | 680.0000% | 551 |
| Earnings coverage of net charge-offs (x) | 126.0800% | 864 |
| Efficiency ratio | 53.5240% | 3,831 |
| Assets per employee ($millions) | 8.9075% | 947 |
| Cash dividends to net income (ytd only)* | 42.0509% | 1,799 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1420% | 2,692 |
| Loan loss allowance to noncurrent loans | 111.0143% | 3,259 |
| Noncurrent assets plus other real estate owned to assets | 0.8200% | 577 |
| Noncurrent loans to loans | 1.0287% | 703 |
| Net loans and leases to total assets | 78.8000% | 718 |
| Net loans and leases to deposits | 89.3572% | 1,099 |
| Net loans and leases to core deposits | 105.7769% | 756 |
| Total domestic deposits to total assets | 88.1900% | 2,013 |
| Equity capital to assets | 8.9465% | 2,393 |
| Core capital (leverage) ratio | 9.6564% | 2,984 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $182,184,000 | 3,169 |
| Average earning assets | $173,555,600 | 3,117 |
| Average equity | $16,906,600 | 3,209 |
| Average total loans | $138,201,800 | 2,748 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9797% | 1,305 |
| Cost of funding earning assets | 0.5129% | 708 |
| Net interest margin | 3.4668% | 1,761 |
| Noninterest income to average assets | 0.5200% | 2,044 |
| Noninterest expense to average assets | 2.0215% | 3,426 |
| Loan and lease loss provision to assets | 0.1000% | 1,069 |
| Net operating income to assets | 1.6612% | 579 |
| Return on assets (ROA) | 1.6612% | 564 |
| Pretax return on assets | 1.6948% | 912 |
| Return on Equity (ROE) | 17.7300% | 680 |
| Retained earnings to average equity (ytd only) | 7.9997% | 1,998 |
| Net charge-offs to loans | -0.0120% | 3,775 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 52.9090% | 3,924 |
| Assets per employee ($millions) | 8.4384% | 1,101 |
| Cash dividends to net income (ytd only)* | 54.8720% | 1,022 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2227% | 2,409 |
| Loan loss allowance to noncurrent loans | 356.0636% | 1,964 |
| Noncurrent assets plus other real estate owned to assets | 0.2709% | 1,866 |
| Noncurrent loans to loans | 0.3434% | 2,001 |
| Net loans and leases to total assets | 77.9400% | 710 |
| Net loans and leases to deposits | 86.9136% | 1,115 |
| Net loans and leases to core deposits | 100.0484% | 809 |
| Total domestic deposits to total assets | 89.6800% | 1,793 |
| Equity capital to assets | 9.0221% | 2,201 |
| Core capital (leverage) ratio | 9.7728% | 2,783 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $178,738,750 | 3,220 |
| Average earning assets | $170,260,500 | 3,174 |
| Average equity | $16,750,250 | 3,258 |
| Average total loans | $133,699,250 | 2,794 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8284% | 1,250 |
| Cost of funding earning assets | 0.3975% | 933 |
| Net interest margin | 3.4309% | 1,511 |
| Noninterest income to average assets | 0.5033% | 2,183 |
| Noninterest expense to average assets | 2.0268% | 3,365 |
| Loan and lease loss provision to assets | 0.1247% | 785 |
| Net operating income to assets | 1.5756% | 581 |
| Return on assets (ROA) | 1.5756% | 570 |
| Pretax return on assets | 1.6198% | 902 |
| Return on Equity (ROE) | 16.5964% | 624 |
| Retained earnings to average equity (ytd only) | 5.8744% | 2,375 |
| Net charge-offs to loans | -0.0185% | 3,835 |
| Credit loss provision to net charge-offs | -916.6667% | 3,523 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.7421% | 3,988 |
| Assets per employee ($millions) | 8.0910% | 1,251 |
| Cash dividends to net income (ytd only)* | 64.6043% | 943 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2841% | 2,260 |
| Loan loss allowance to noncurrent loans | 345.9725% | 1,982 |
| Noncurrent assets plus other real estate owned to assets | 0.2860% | 1,867 |
| Noncurrent loans to loans | 0.3712% | 2,032 |
| Net loans and leases to total assets | 76.0521% | 727 |
| Net loans and leases to deposits | 85.0436% | 1,052 |
| Net loans and leases to core deposits | 95.4535% | 850 |
| Total domestic deposits to total assets | 89.4271% | 1,988 |
| Equity capital to assets | 9.2791% | 2,183 |
| Core capital (leverage) ratio | 9.7311% | 2,684 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $176,437,000 | 3,271 |
| Average earning assets | $168,060,333 | 3,237 |
| Average equity | $16,750,667 | 3,338 |
| Average total loans | $129,438,000 | 2,849 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6921% | 1,290 |
| Cost of funding earning assets | 0.3776% | 1,006 |
| Net interest margin | 3.3145% | 1,537 |
| Noninterest income to average assets | 0.4190% | 2,564 |
| Noninterest expense to average assets | 1.9721% | 3,502 |
| Loan and lease loss provision to assets | 0.1366% | 588 |
| Net operating income to assets | 1.4506% | 713 |
| Return on assets (ROA) | 1.4506% | 711 |
| Pretax return on assets | 1.4688% | 1,079 |
| Return on Equity (ROE) | 15.1060% | 632 |
| Retained earnings to average equity (ytd only) | 9.1774% | 1,221 |
| Net charge-offs to loans | -0.0255% | 4,015 |
| Credit loss provision to net charge-offs | -750.0000% | 3,213 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.1241% | 3,958 |
| Assets per employee ($millions) | 8.2566% | 1,226 |
| Cash dividends to net income (ytd only)* | 39.2465% | 1,520 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3545% | 2,098 |
| Loan loss allowance to noncurrent loans | 857.7889% | 1,009 |
| Noncurrent assets plus other real estate owned to assets | 0.1096% | 3,040 |
| Noncurrent loans to loans | 0.1579% | 3,016 |
| Net loans and leases to total assets | 68.4375% | 1,172 |
| Net loans and leases to deposits | 76.4699% | 1,402 |
| Net loans and leases to core deposits | 84.1284% | 1,234 |
| Total domestic deposits to total assets | 89.4961% | 1,814 |
| Equity capital to assets | 9.2873% | 2,454 |
| Core capital (leverage) ratio | 9.7427% | 2,548 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $175,654,000 | 3,298 |
| Average earning assets | $167,385,500 | 3,256 |
| Average equity | $16,867,500 | 3,407 |
| Average total loans | $125,589,000 | 2,896 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8754% | 1,683 |
| Cost of funding earning assets | 0.5820% | 595 |
| Net interest margin | 3.2934% | 2,328 |
| Noninterest income to average assets | 0.9455% | 1,101 |
| Noninterest expense to average assets | 2.1231% | 3,327 |
| Loan and lease loss provision to assets | 0.1491% | 809 |
| Net operating income to assets | 1.7712% | 542 |
| Return on assets (ROA) | 1.7712% | 569 |
| Pretax return on assets | 1.8129% | 891 |
| Return on Equity (ROE) | 18.5303% | 418 |
| Retained earnings to average equity (ytd only) | 12.9132% | 407 |
| Net charge-offs to loans | 0.1893% | 514 |
| Credit loss provision to net charge-offs | 106.8376% | 1,735 |
| Earnings coverage of net charge-offs (x) | 14.0556% | 2,051 |
| Efficiency ratio | 51.9714% | 4,117 |
| Assets per employee ($millions) | 7.7119% | 1,486 |
| Cash dividends to net income (ytd only)* | 30.3132% | 2,542 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3096% | 2,315 |
| Loan loss allowance to noncurrent loans | 666.2602% | 1,150 |
| Noncurrent assets plus other real estate owned to assets | 0.1450% | 2,927 |
| Noncurrent loans to loans | 0.1966% | 2,962 |
| Net loans and leases to total assets | 72.8024% | 780 |
| Net loans and leases to deposits | 82.0113% | 1,066 |
| Net loans and leases to core deposits | 89.7503% | 985 |
| Total domestic deposits to total assets | 88.7712% | 1,629 |
| Equity capital to assets | 9.9404% | 2,708 |
| Core capital (leverage) ratio | 9.7127% | 2,662 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $167,628,600 | 3,322 |
| Average earning assets | $159,802,200 | 3,281 |
| Average equity | $16,022,400 | 3,541 |
| Average total loans | $123,598,800 | 2,918 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8818% | 1,809 |
| Cost of funding earning assets | 0.6267% | 550 |
| Net interest margin | 3.2551% | 2,565 |
| Noninterest income to average assets | 1.1648% | 845 |
| Noninterest expense to average assets | 2.1317% | 3,275 |
| Loan and lease loss provision to assets | 0.1514% | 741 |
| Net operating income to assets | 1.9482% | 506 |
| Return on assets (ROA) | 1.9482% | 533 |
| Pretax return on assets | 1.9849% | 819 |
| Return on Equity (ROE) | 20.5918% | 385 |
| Retained earnings to average equity (ytd only) | 13.0027% | 639 |
| Net charge-offs to loans | 0.2575% | 316 |
| Credit loss provision to net charge-offs | 79.8319% | 1,716 |
| Earnings coverage of net charge-offs (x) | 11.2521% | 2,009 |
| Efficiency ratio | 49.9439% | 4,228 |
| Assets per employee ($millions) | 7.8691% | 1,329 |
| Cash dividends to net income (ytd only)* | 36.8550% | 1,757 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3186% | 2,403 |
| Loan loss allowance to noncurrent loans | 640.2439% | 1,125 |
| Noncurrent assets plus other real estate owned to assets | 0.1421% | 3,162 |
| Noncurrent loans to loans | 0.2059% | 3,129 |
| Net loans and leases to total assets | 68.0869% | 1,313 |
| Net loans and leases to deposits | 76.4202% | 1,632 |
| Net loans and leases to core deposits | 84.4846% | 1,390 |
| Total domestic deposits to total assets | 89.0954% | 1,228 |
| Equity capital to assets | 9.4899% | 3,382 |
| Core capital (leverage) ratio | 9.6176% | 2,886 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $167,120,250 | 3,361 |
| Average earning assets | $159,337,250 | 3,312 |
| Average equity | $15,811,750 | 3,601 |
| Average total loans | $123,209,250 | 2,960 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9224% | 1,762 |
| Cost of funding earning assets | 0.6904% | 490 |
| Net interest margin | 3.2320% | 2,659 |
| Noninterest income to average assets | 1.5480% | 519 |
| Noninterest expense to average assets | 2.1378% | 3,274 |
| Loan and lease loss provision to assets | 0.1575% | 742 |
| Net operating income to assets | 2.2941% | 285 |
| Return on assets (ROA) | 2.2941% | 305 |
| Pretax return on assets | 2.3316% | 459 |
| Return on Equity (ROE) | 24.2727% | 220 |
| Retained earnings to average equity (ytd only) | 15.9426% | 342 |
| Net charge-offs to loans | 0.4339% | 193 |
| Credit loss provision to net charge-offs | 48.1481% | 1,611 |
| Earnings coverage of net charge-offs (x) | 7.6111% | 1,916 |
| Efficiency ratio | 46.2042% | 4,503 |
| Assets per employee ($millions) | 7.6526% | 1,392 |
| Cash dividends to net income (ytd only)* | 34.3189% | 1,850 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2121% | 2,861 |
| Loan loss allowance to noncurrent loans | 529.6429% | 1,222 |
| Noncurrent assets plus other real estate owned to assets | 0.1663% | 3,154 |
| Noncurrent loans to loans | 0.2289% | 3,142 |
| Net loans and leases to total assets | 71.7909% | 998 |
| Net loans and leases to deposits | 80.6471% | 1,364 |
| Net loans and leases to core deposits | 89.1177% | 1,200 |
| Total domestic deposits to total assets | 89.0186% | 1,276 |
| Equity capital to assets | 9.5891% | 3,262 |
| Core capital (leverage) ratio | 9.4713% | 2,934 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $165,120,333 | 3,383 |
| Average earning assets | $157,301,667 | 3,336 |
| Average equity | $15,606,000 | 3,624 |
| Average total loans | $124,463,333 | 2,965 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0012% | 1,606 |
| Cost of funding earning assets | 0.7771% | 396 |
| Net interest margin | 3.2241% | 2,622 |
| Noninterest income to average assets | 1.7614% | 464 |
| Noninterest expense to average assets | 2.0036% | 3,708 |
| Loan and lease loss provision to assets | 0.1713% | 726 |
| Net operating income to assets | 2.6128% | 223 |
| Return on assets (ROA) | 2.6128% | 246 |
| Pretax return on assets | 2.6520% | 353 |
| Return on Equity (ROE) | 27.8542% | 186 |
| Retained earnings to average equity (ytd only) | 22.6381% | 188 |
| Net charge-offs to loans | 0.0127% | 1,490 |
| Credit loss provision to net charge-offs | 1,750.0000% | 270 |
| Earnings coverage of net charge-offs (x) | 288.5000% | 307 |
| Efficiency ratio | 41.5104% | 4,687 |
| Assets per employee ($millions) | 7.2609% | 1,604 |
| Cash dividends to net income (ytd only)* | 18.7266% | 2,044 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3610% | 2,142 |
| Loan loss allowance to noncurrent loans | 414.9877% | 1,353 |
| Noncurrent assets plus other real estate owned to assets | 0.2437% | 2,913 |
| Noncurrent loans to loans | 0.3280% | 2,921 |
| Net loans and leases to total assets | 73.3014% | 874 |
| Net loans and leases to deposits | 82.1620% | 1,326 |
| Net loans and leases to core deposits | 92.3050% | 1,099 |
| Total domestic deposits to total assets | 89.2156% | 1,223 |
| Equity capital to assets | 9.4437% | 3,250 |
| Core capital (leverage) ratio | 9.5031% | 3,033 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $163,502,000 | 3,398 |
| Average earning assets | $155,454,500 | 3,358 |
| Average equity | $15,337,000 | 3,654 |
| Average total loans | $125,521,000 | 2,954 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6723% | 944 |
| Cost of funding earning assets | 1.0725% | 453 |
| Net interest margin | 3.5998% | 2,141 |
| Noninterest income to average assets | 0.6246% | 2,121 |
| Noninterest expense to average assets | 2.2906% | 3,430 |
| Loan and lease loss provision to assets | 0.2228% | 1,756 |
| Net operating income to assets | 1.4721% | 873 |
| Return on assets (ROA) | 1.4721% | 950 |
| Pretax return on assets | 1.5133% | 1,291 |
| Return on Equity (ROE) | 15.5070% | 562 |
| Retained earnings to average equity (ytd only) | 11.1252% | 424 |
| Net charge-offs to loans | 0.0698% | 1,795 |
| Credit loss provision to net charge-offs | 388.2353% | 1,470 |
| Earnings coverage of net charge-offs (x) | 30.2471% | 1,606 |
| Efficiency ratio | 56.8841% | 3,875 |
| Assets per employee ($millions) | 7.2729% | 1,410 |
| Cash dividends to net income (ytd only)* | 28.2569% | 2,922 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2786% | 2,520 |
| Loan loss allowance to noncurrent loans | 364.7191% | 1,480 |
| Noncurrent assets plus other real estate owned to assets | 0.2781% | 2,904 |
| Noncurrent loans to loans | 0.3506% | 2,942 |
| Net loans and leases to total assets | 78.3210% | 573 |
| Net loans and leases to deposits | 87.8227% | 1,109 |
| Net loans and leases to core deposits | 99.3105% | 937 |
| Total domestic deposits to total assets | 89.1808% | 908 |
| Equity capital to assets | 9.3142% | 3,775 |
| Core capital (leverage) ratio | 9.2530% | 3,384 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $148,083,000 | 3,422 |
| Average earning assets | $139,951,400 | 3,382 |
| Average equity | $14,058,200 | 3,750 |
| Average total loans | $121,771,000 | 2,961 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7689% | 930 |
| Cost of funding earning assets | 1.1200% | 496 |
| Net interest margin | 3.6489% | 2,101 |
| Noninterest income to average assets | 0.7424% | 1,669 |
| Noninterest expense to average assets | 2.3201% | 3,367 |
| Loan and lease loss provision to assets | 0.2205% | 1,823 |
| Net operating income to assets | 1.6108% | 704 |
| Return on assets (ROA) | 1.6108% | 777 |
| Pretax return on assets | 1.6475% | 1,072 |
| Return on Equity (ROE) | 16.8793% | 457 |
| Retained earnings to average equity (ytd only) | 10.9576% | 585 |
| Net charge-offs to loans | 0.0609% | 1,732 |
| Credit loss provision to net charge-offs | 436.3636% | 1,392 |
| Earnings coverage of net charge-offs (x) | 36.9636% | 1,420 |
| Efficiency ratio | 55.3971% | 3,992 |
| Assets per employee ($millions) | 7.1064% | 1,427 |
| Cash dividends to net income (ytd only)* | 35.0827% | 2,133 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1922% | 2,706 |
| Loan loss allowance to noncurrent loans | 294.9057% | 1,649 |
| Noncurrent assets plus other real estate owned to assets | 0.3390% | 2,782 |
| Noncurrent loans to loans | 0.4043% | 2,846 |
| Net loans and leases to total assets | 82.8561% | 374 |
| Net loans and leases to deposits | 93.0475% | 1,000 |
| Net loans and leases to core deposits | 104.8661% | 887 |
| Total domestic deposits to total assets | 89.0470% | 748 |
| Equity capital to assets | 9.2612% | 3,895 |
| Core capital (leverage) ratio | 9.2558% | 3,498 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1754% | 2,881 |
| Memoranda: | ||
| Average total assets | $145,103,000 | 3,445 |
| Average earning assets | $137,023,250 | 3,398 |
| Average equity | $13,847,000 | 3,778 |
| Average total loans | $120,479,000 | 2,992 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9425% | 905 |
| Cost of funding earning assets | 1.1636% | 581 |
| Net interest margin | 3.7789% | 1,891 |
| Noninterest income to average assets | 0.8602% | 1,260 |
| Noninterest expense to average assets | 2.4420% | 3,136 |
| Loan and lease loss provision to assets | 0.2122% | 1,953 |
| Net operating income to assets | 1.7290% | 588 |
| Return on assets (ROA) | 1.7290% | 641 |
| Pretax return on assets | 1.7672% | 867 |
| Return on Equity (ROE) | 17.9227% | 375 |
| Retained earnings to average equity (ytd only) | 11.2494% | 572 |
| Net charge-offs to loans | 0.1368% | 1,029 |
| Credit loss provision to net charge-offs | 187.5000% | 1,964 |
| Earnings coverage of net charge-offs (x) | 17.4875% | 1,812 |
| Efficiency ratio | 55.2320% | 4,038 |
| Assets per employee ($millions) | 6.8795% | 1,516 |
| Cash dividends to net income (ytd only)* | 37.2340% | 2,047 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1718% | 2,654 |
| Loan loss allowance to noncurrent loans | 302.2965% | 1,537 |
| Noncurrent assets plus other real estate owned to assets | 0.3165% | 3,049 |
| Noncurrent loans to loans | 0.3876% | 3,017 |
| Net loans and leases to total assets | 80.6910% | 518 |
| Net loans and leases to deposits | 92.7403% | 1,074 |
| Net loans and leases to core deposits | 106.5738% | 872 |
| Total domestic deposits to total assets | 87.0075% | 1,613 |
| Equity capital to assets | 9.3123% | 3,820 |
| Core capital (leverage) ratio | 9.3808% | 3,489 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5494% | 2,792 |
| Memoranda: | ||
| Average total assets | $141,357,000 | 3,467 |
| Average earning assets | $133,212,333 | 3,430 |
| Average equity | $13,636,333 | 3,812 |
| Average total loans | $116,938,333 | 3,016 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1890% | 674 |
| Cost of funding earning assets | 1.2426% | 667 |
| Net interest margin | 3.9464% | 1,541 |
| Noninterest income to average assets | 0.1965% | 4,371 |
| Noninterest expense to average assets | 2.4904% | 3,295 |
| Loan and lease loss provision to assets | 0.2200% | 1,404 |
| Net operating income to assets | 1.1558% | 1,672 |
| Return on assets (ROA) | 1.1558% | 1,779 |
| Pretax return on assets | 1.1939% | 2,222 |
| Return on Equity (ROE) | 11.7546% | 1,179 |
| Retained earnings to average equity (ytd only) | 7.2198% | 1,466 |
| Net charge-offs to loans | 0.3204% | 456 |
| Credit loss provision to net charge-offs | 82.4176% | 1,927 |
| Earnings coverage of net charge-offs (x) | 5.2967% | 2,073 |
| Efficiency ratio | 63.7866% | 3,266 |
| Assets per employee ($millions) | 6.3691% | 1,420 |
| Cash dividends to net income (ytd only)* | 38.5787% | 1,918 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1802% | 2,778 |
| Loan loss allowance to noncurrent loans | 92.4644% | 3,361 |
| Noncurrent assets plus other real estate owned to assets | 1.0512% | 1,245 |
| Noncurrent loans to loans | 1.2764% | 1,282 |
| Net loans and leases to total assets | 81.3889% | 519 |
| Net loans and leases to deposits | 91.8835% | 1,296 |
| Net loans and leases to core deposits | 103.8284% | 1,199 |
| Total domestic deposits to total assets | 88.5784% | 848 |
| Equity capital to assets | 9.6324% | 4,101 |
| Core capital (leverage) ratio | 9.7518% | 3,704 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9401% | 3,117 |
| Memoranda: | ||
| Average total assets | $136,361,000 | 3,497 |
| Average earning assets | $128,117,500 | 3,469 |
| Average equity | $13,407,500 | 3,841 |
| Average total loans | $113,621,000 | 3,035 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2716% | 871 |
| Cost of funding earning assets | 1.2426% | 917 |
| Net interest margin | 4.0290% | 1,757 |
| Noninterest income to average assets | 0.4414% | 3,051 |
| Noninterest expense to average assets | 2.6137% | 3,138 |
| Loan and lease loss provision to assets | 0.2348% | 812 |
| Net operating income to assets | 1.3296% | 1,581 |
| Return on assets (ROA) | 1.3311% | 1,659 |
| Pretax return on assets | 1.3726% | 2,259 |
| Return on Equity (ROE) | 13.4452% | 1,037 |
| Retained earnings to average equity (ytd only) | 8.6394% | 798 |
| Net charge-offs to loans | 0.1377% | 1,407 |
| Credit loss provision to net charge-offs | 202.7027% | 1,311 |
| Earnings coverage of net charge-offs (x) | 13.8649% | 2,322 |
| Efficiency ratio | 61.9436% | 3,394 |
| Assets per employee ($millions) | 6.0273% | 1,612 |
| Cash dividends to net income (ytd only)* | 35.7437% | 2,818 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2322% | 2,278 |
| Loan loss allowance to noncurrent loans | 183.2447% | 2,247 |
| Noncurrent assets plus other real estate owned to assets | 0.6915% | 1,873 |
| Noncurrent loans to loans | 0.6724% | 2,203 |
| Net loans and leases to total assets | 83.3018% | 389 |
| Net loans and leases to deposits | 94.4950% | 1,109 |
| Net loans and leases to core deposits | 106.0484% | 1,106 |
| Total domestic deposits to total assets | 88.1547% | 1,059 |
| Equity capital to assets | 10.0437% | 3,878 |
| Core capital (leverage) ratio | 9.9702% | 3,552 |
| Tier 1 risk-based capital ratio | 11.4820% | 4,638 |
| Total risk-based capital ratio | 12.6713% | 4,546 |
| Memoranda: | ||
| Average total assets | $127,789,600 | 3,590 |
| Average earning assets | $119,831,200 | 3,560 |
| Average equity | $12,651,400 | 3,919 |
| Average total loans | $107,494,400 | 3,126 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2513% | 947 |
| Cost of funding earning assets | 1.2230% | 975 |
| Net interest margin | 4.0284% | 1,840 |
| Noninterest income to average assets | 0.4297% | 3,146 |
| Noninterest expense to average assets | 2.5995% | 3,169 |
| Loan and lease loss provision to assets | 0.2370% | 708 |
| Net operating income to assets | 1.3292% | 1,731 |
| Return on assets (ROA) | 1.3292% | 1,801 |
| Pretax return on assets | 1.3714% | 2,419 |
| Return on Equity (ROE) | 13.4774% | 1,119 |
| Retained earnings to average equity (ytd only) | 6.9844% | 1,870 |
| Net charge-offs to loans | 0.0363% | 2,358 |
| Credit loss provision to net charge-offs | 775.8621% | 445 |
| Earnings coverage of net charge-offs (x) | 52.6493% | 1,147 |
| Efficiency ratio | 61.7772% | 3,354 |
| Assets per employee ($millions) | 5.8728% | 1,697 |
| Cash dividends to net income (ytd only)* | 48.1778% | 1,772 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2805% | 2,060 |
| Loan loss allowance to noncurrent loans | 144.3655% | 2,687 |
| Noncurrent assets plus other real estate owned to assets | 0.8901% | 1,533 |
| Noncurrent loans to loans | 0.8870% | 1,807 |
| Net loans and leases to total assets | 84.8532% | 266 |
| Net loans and leases to deposits | 96.4425% | 965 |
| Net loans and leases to core deposits | 107.5456% | 1,079 |
| Total domestic deposits to total assets | 87.9832% | 1,040 |
| Equity capital to assets | 9.9697% | 4,045 |
| Core capital (leverage) ratio | 9.9620% | 3,676 |
| Tier 1 risk-based capital ratio | 11.2230% | 4,811 |
| Total risk-based capital ratio | 12.4634% | 4,703 |
| Memoranda: | ||
| Average total assets | $126,586,750 | 3,645 |
| Average earning assets | $118,722,250 | 3,610 |
| Average equity | $12,484,750 | 3,972 |
| Average total loans | $106,408,750 | 3,176 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1582% | 1,082 |
| Cost of funding earning assets | 1.1764% | 1,061 |
| Net interest margin | 3.9818% | 1,977 |
| Noninterest income to average assets | 0.4184% | 3,147 |
| Noninterest expense to average assets | 2.6663% | 3,013 |
| Loan and lease loss provision to assets | 0.2386% | 660 |
| Net operating income to assets | 1.2091% | 2,118 |
| Return on assets (ROA) | 1.2091% | 2,181 |
| Pretax return on assets | 1.2504% | 2,748 |
| Return on Equity (ROE) | 12.3050% | 1,472 |
| Retained earnings to average equity (ytd only) | 4.9220% | 2,812 |
| Net charge-offs to loans | 0.0076% | 2,874 |
| Credit loss provision to net charge-offs | 3,750.0000% | 102 |
| Earnings coverage of net charge-offs (x) | 234.0000% | 344 |
| Efficiency ratio | 64.1654% | 3,105 |
| Assets per employee ($millions) | 5.9629% | 1,570 |
| Cash dividends to net income (ytd only)* | 60.0000% | 1,409 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2540% | 2,228 |
| Loan loss allowance to noncurrent loans | 212.0556% | 2,061 |
| Noncurrent assets plus other real estate owned to assets | 0.6485% | 2,102 |
| Noncurrent loans to loans | 0.5914% | 2,498 |
| Net loans and leases to total assets | 86.2785% | 192 |
| Net loans and leases to deposits | 99.4111% | 717 |
| Net loans and leases to core deposits | 109.9858% | 977 |
| Total domestic deposits to total assets | 86.7897% | 1,688 |
| Equity capital to assets | 10.0024% | 3,975 |
| Core capital (leverage) ratio | 9.9180% | 3,678 |
| Tier 1 risk-based capital ratio | 11.0111% | 4,901 |
| Total risk-based capital ratio | 12.2182% | 4,840 |
| Memoranda: | ||
| Average total assets | $125,715,000 | 3,678 |
| Average earning assets | $117,987,000 | 3,648 |
| Average equity | $12,352,670 | 3,999 |
| Average total loans | $104,860,330 | 3,211 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9840% | 1,368 |
| Cost of funding earning assets | 1.1564% | 1,026 |
| Net interest margin | 3.8276% | 2,427 |
| Noninterest income to average assets | 0.4319% | 2,961 |
| Noninterest expense to average assets | 2.6897% | 2,938 |
| Loan and lease loss provision to assets | 0.2382% | 631 |
| Net operating income to assets | 1.0606% | 2,617 |
| Return on assets (ROA) | 1.0606% | 2,666 |
| Pretax return on assets | 1.0987% | 3,154 |
| Return on Equity (ROE) | 10.8915% | 1,985 |
| Retained earnings to average equity (ytd only) | 5.9349% | 2,481 |
| Net charge-offs to loans | 0.0078% | 2,415 |
| Credit loss provision to net charge-offs | 3,750.0000% | 110 |
| Earnings coverage of net charge-offs (x) | 210.5000% | 368 |
| Efficiency ratio | 66.7981% | 2,824 |
| Assets per employee ($millions) | 6.3808% | 1,301 |
| Cash dividends to net income (ytd only)* | 45.5090% | 1,762 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2544% | 2,299 |
| Loan loss allowance to noncurrent loans | 185.0427% | 2,308 |
| Noncurrent assets plus other real estate owned to assets | 0.6794% | 2,062 |
| Noncurrent loans to loans | 0.6779% | 2,323 |
| Net loans and leases to total assets | 80.1302% | 817 |
| Net loans and leases to deposits | 89.8862% | 1,649 |
| Net loans and leases to core deposits | 106.9599% | 1,106 |
| Total domestic deposits to total assets | 89.1463% | 792 |
| Equity capital to assets | 9.7018% | 4,093 |
| Core capital (leverage) ratio | 9.8473% | 3,767 |
| Tier 1 risk-based capital ratio | 11.4884% | 4,751 |
| Total risk-based capital ratio | 12.6926% | 4,675 |
| Memoranda: | ||
| Average total assets | $125,962,500 | 3,708 |
| Average earning assets | $118,299,500 | 3,681 |
| Average equity | $12,266,500 | 4,030 |
| Average total loans | $102,585,500 | 3,278 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9965% | 1,054 |
| Cost of funding earning assets | 0.8540% | 1,289 |
| Net interest margin | 4.1425% | 1,549 |
| Noninterest income to average assets | 0.4514% | 3,094 |
| Noninterest expense to average assets | 2.8753% | 2,435 |
| Loan and lease loss provision to assets | 0.2409% | 727 |
| Net operating income to assets | 1.1544% | 2,365 |
| Return on assets (ROA) | 1.1544% | 2,369 |
| Pretax return on assets | 1.1954% | 2,898 |
| Return on Equity (ROE) | 11.0107% | 2,078 |
| Retained earnings to average equity (ytd only) | 6.0414% | 2,172 |
| Net charge-offs to loans | 0.0792% | 1,995 |
| Credit loss provision to net charge-offs | 360.0000% | 889 |
| Earnings coverage of net charge-offs (x) | 21.4667% | 1,942 |
| Efficiency ratio | 66.6874% | 2,748 |
| Assets per employee ($millions) | 5.9195% | 1,576 |
| Cash dividends to net income (ytd only)* | 45.1314% | 2,239 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2065% | 2,533 |
| Loan loss allowance to noncurrent loans | 170.0416% | 2,500 |
| Noncurrent assets plus other real estate owned to assets | 0.5800% | 2,303 |
| Noncurrent loans to loans | 0.7096% | 2,218 |
| Net loans and leases to total assets | 80.7560% | 832 |
| Net loans and leases to deposits | 90.5595% | 1,725 |
| Net loans and leases to core deposits | 113.2883% | 812 |
| Total domestic deposits to total assets | 89.1746% | 791 |
| Equity capital to assets | 9.7756% | 3,882 |
| Core capital (leverage) ratio | 10.3489% | 3,204 |
| Tier 1 risk-based capital ratio | 11.4127% | 4,766 |
| Total risk-based capital ratio | 12.5585% | 4,715 |
| Memoranda: | ||
| Average total assets | $112,092,400 | 3,907 |
| Average earning assets | $104,453,200 | 3,911 |
| Average equity | $11,752,200 | 4,054 |
| Average total loans | $94,665,400 | 3,396 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9964% | 948 |
| Cost of funding earning assets | 0.7808% | 1,427 |
| Net interest margin | 4.2156% | 1,313 |
| Noninterest income to average assets | 0.4842% | 2,953 |
| Noninterest expense to average assets | 2.9286% | 2,235 |
| Loan and lease loss provision to assets | 0.2384% | 672 |
| Net operating income to assets | 1.1983% | 2,246 |
| Return on assets (ROA) | 1.1983% | 2,249 |
| Pretax return on assets | 1.2387% | 2,849 |
| Return on Equity (ROE) | 11.2135% | 2,085 |
| Retained earnings to average equity (ytd only) | 4.5312% | 3,482 |
| Net charge-offs to loans | 0.0316% | 2,456 |
| Credit loss provision to net charge-offs | 886.3636% | 451 |
| Earnings coverage of net charge-offs (x) | 54.9141% | 1,114 |
| Efficiency ratio | 66.4724% | 2,789 |
| Assets per employee ($millions) | 5.3666% | 2,062 |
| Cash dividends to net income (ytd only)* | 59.5922% | 1,217 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2377% | 2,420 |
| Loan loss allowance to noncurrent loans | 213.8544% | 2,142 |
| Noncurrent assets plus other real estate owned to assets | 0.8554% | 1,730 |
| Noncurrent loans to loans | 0.5787% | 2,645 |
| Net loans and leases to total assets | 85.2492% | 336 |
| Net loans and leases to deposits | 97.7594% | 968 |
| Net loans and leases to core deposits | 115.8284% | 724 |
| Total domestic deposits to total assets | 87.2031% | 1,638 |
| Equity capital to assets | 10.5289% | 3,118 |
| Core capital (leverage) ratio | 10.7171% | 2,867 |
| Tier 1 risk-based capital ratio | 11.5947% | 4,737 |
| Total risk-based capital ratio | 12.7681% | 4,666 |
| Memoranda: | ||
| Average total assets | $109,038,250 | 3,998 |
| Average earning assets | $101,430,250 | 3,991 |
| Average equity | $11,652,250 | 4,102 |
| Average total loans | $92,928,500 | 3,452 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9206% | 972 |
| Cost of funding earning assets | 0.7197% | 1,526 |
| Net interest margin | 4.2008% | 1,290 |
| Noninterest income to average assets | 0.4359% | 3,248 |
| Noninterest expense to average assets | 2.9513% | 2,195 |
| Loan and lease loss provision to assets | 0.2782% | 526 |
| Net operating income to assets | 1.0740% | 2,696 |
| Return on assets (ROA) | 1.0740% | 2,699 |
| Pretax return on assets | 1.1148% | 3,253 |
| Return on Equity (ROE) | 9.9991% | 2,562 |
| Retained earnings to average equity (ytd only) | 2.5386% | 4,244 |
| Net charge-offs to loans | 0.0503% | 1,884 |
| Credit loss provision to net charge-offs | 652.1739% | 592 |
| Earnings coverage of net charge-offs (x) | 32.6522% | 1,430 |
| Efficiency ratio | 67.9334% | 2,655 |
| Assets per employee ($millions) | 4.9557% | 2,477 |
| Cash dividends to net income (ytd only)* | 74.6114% | 862 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2368% | 2,511 |
| Loan loss allowance to noncurrent loans | 189.8361% | 2,358 |
| Noncurrent assets plus other real estate owned to assets | 0.9273% | 1,625 |
| Noncurrent loans to loans | 0.6515% | 2,481 |
| Net loans and leases to total assets | 84.8182% | 373 |
| Net loans and leases to deposits | 96.3391% | 1,107 |
| Net loans and leases to core deposits | 109.5379% | 1,032 |
| Total domestic deposits to total assets | 88.0413% | 1,359 |
| Equity capital to assets | 10.6581% | 2,964 |
| Core capital (leverage) ratio | 10.6421% | 2,877 |
| Tier 1 risk-based capital ratio | 11.6453% | 4,722 |
| Total risk-based capital ratio | 12.8031% | 4,649 |
| Memoranda: | ||
| Average total assets | $107,818,000 | 4,053 |
| Average earning assets | $100,313,330 | 4,043 |
| Average equity | $11,581,000 | 4,138 |
| Average total loans | $91,478,330 | 3,486 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8402% | 996 |
| Cost of funding earning assets | 0.6731% | 1,579 |
| Net interest margin | 4.1671% | 1,256 |
| Noninterest income to average assets | 0.3656% | 3,697 |
| Noninterest expense to average assets | 2.8914% | 2,400 |
| Loan and lease loss provision to assets | 0.2798% | 485 |
| Net operating income to assets | 1.0334% | 2,719 |
| Return on assets (ROA) | 1.0334% | 2,736 |
| Pretax return on assets | 1.0745% | 3,265 |
| Return on Equity (ROE) | 9.5835% | 2,646 |
| Retained earnings to average equity (ytd only) | 5.1550% | 3,097 |
| Net charge-offs to loans | 0.0265% | 1,965 |
| Credit loss provision to net charge-offs | 1,250.0000% | 283 |
| Earnings coverage of net charge-offs (x) | 60.5000% | 843 |
| Efficiency ratio | 68.1019% | 2,810 |
| Assets per employee ($millions) | 5.6858% | 1,777 |
| Cash dividends to net income (ytd only)* | 46.2094% | 1,617 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2167% | 2,713 |
| Loan loss allowance to noncurrent loans | 162.0029% | 2,618 |
| Noncurrent assets plus other real estate owned to assets | 0.6285% | 2,434 |
| Noncurrent loans to loans | 0.7510% | 2,327 |
| Net loans and leases to total assets | 82.6679% | 577 |
| Net loans and leases to deposits | 93.9233% | 1,231 |
| Net loans and leases to core deposits | 106.2799% | 1,216 |
| Total domestic deposits to total assets | 88.0164% | 1,610 |
| Equity capital to assets | 10.7589% | 2,814 |
| Core capital (leverage) ratio | 10.9365% | 2,504 |
| Tier 1 risk-based capital ratio | 12.1726% | 4,451 |
| Total risk-based capital ratio | 13.3246% | 4,397 |
| Memoranda: | ||
| Average total assets | $107,214,500 | 4,103 |
| Average earning assets | $99,830,000 | 4,101 |
| Average equity | $11,561,500 | 4,185 |
| Average total loans | $90,402,000 | 3,534 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7425% | 1,091 |
| Cost of funding earning assets | 0.6404% | 1,356 |
| Net interest margin | 4.1021% | 1,425 |
| Noninterest income to average assets | 0.5393% | 2,778 |
| Noninterest expense to average assets | 2.7419% | 2,990 |
| Loan and lease loss provision to assets | 0.2602% | 707 |
| Net operating income to assets | 1.3077% | 1,209 |
| Return on assets (ROA) | 1.3104% | 1,219 |
| Pretax return on assets | 1.3520% | 2,162 |
| Return on Equity (ROE) | 12.6049% | 1,056 |
| Retained earnings to average equity (ytd only) | 7.9452% | 789 |
| Net charge-offs to loans | 0.2024% | 1,274 |
| Credit loss provision to net charge-offs | 157.1429% | 1,702 |
| Earnings coverage of net charge-offs (x) | 9.7200% | 2,757 |
| Efficiency ratio | 63.0137% | 3,774 |
| Assets per employee ($millions) | 5.3199% | 2,127 |
| Cash dividends to net income (ytd only)* | 36.9675% | 2,991 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1405% | 3,113 |
| Loan loss allowance to noncurrent loans | 146.6572% | 2,840 |
| Noncurrent assets plus other real estate owned to assets | 0.6607% | 2,340 |
| Noncurrent loans to loans | 0.7777% | 2,272 |
| Net loans and leases to total assets | 83.9922% | 444 |
| Net loans and leases to deposits | 95.3675% | 1,140 |
| Net loans and leases to core deposits | 107.0546% | 1,208 |
| Total domestic deposits to total assets | 88.0721% | 1,462 |
| Equity capital to assets | 10.8085% | 2,826 |
| Core capital (leverage) ratio | 10.4726% | 2,871 |
| Tier 1 risk-based capital ratio | 12.0118% | 4,519 |
| Total risk-based capital ratio | 13.0887% | 4,521 |
| Memoranda: | ||
| Average total assets | $105,691,800 | 4,143 |
| Average earning assets | $98,217,600 | 4,125 |
| Average equity | $10,987,800 | 4,296 |
| Average total loans | $86,452,600 | 3,602 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6804% | 1,183 |
| Cost of funding earning assets | 0.6284% | 1,362 |
| Net interest margin | 4.0520% | 1,530 |
| Noninterest income to average assets | 0.5396% | 2,785 |
| Noninterest expense to average assets | 2.7534% | 2,880 |
| Loan and lease loss provision to assets | 0.2527% | 683 |
| Net operating income to assets | 1.2598% | 1,469 |
| Return on assets (ROA) | 1.2598% | 1,499 |
| Pretax return on assets | 1.2977% | 2,506 |
| Return on Equity (ROE) | 12.2406% | 1,260 |
| Retained earnings to average equity (ytd only) | 5.9546% | 2,267 |
| Net charge-offs to loans | 0.3011% | 698 |
| Credit loss provision to net charge-offs | 103.6269% | 2,223 |
| Earnings coverage of net charge-offs (x) | 6.3574% | 2,991 |
| Efficiency ratio | 63.9753% | 3,545 |
| Assets per employee ($millions) | 5.2294% | 2,195 |
| Cash dividends to net income (ytd only)* | 51.3541% | 1,698 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0601% | 3,734 |
| Loan loss allowance to noncurrent loans | 123.2589% | 3,172 |
| Noncurrent assets plus other real estate owned to assets | 0.7276% | 2,326 |
| Noncurrent loans to loans | 0.8601% | 2,218 |
| Net loans and leases to total assets | 83.7026% | 464 |
| Net loans and leases to deposits | 95.1543% | 1,186 |
| Net loans and leases to core deposits | 104.3185% | 1,369 |
| Total domestic deposits to total assets | 87.9650% | 1,382 |
| Equity capital to assets | 10.6466% | 3,221 |
| Core capital (leverage) ratio | 10.5010% | 2,985 |
| Tier 1 risk-based capital ratio | 11.8730% | 4,715 |
| Total risk-based capital ratio | 12.8732% | 4,760 |
| Memoranda: | ||
| Average total assets | $105,515,250 | 4,186 |
| Average earning assets | $98,023,500 | 4,170 |
| Average equity | $10,859,750 | 4,369 |
| Average total loans | $85,466,500 | 3,650 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5528% | 1,385 |
| Cost of funding earning assets | 0.6164% | 1,349 |
| Net interest margin | 3.9364% | 1,821 |
| Noninterest income to average assets | 0.5594% | 2,658 |
| Noninterest expense to average assets | 2.7461% | 2,941 |
| Loan and lease loss provision to assets | 0.2362% | 719 |
| Net operating income to assets | 1.1964% | 1,606 |
| Return on assets (ROA) | 1.2001% | 1,632 |
| Pretax return on assets | 1.2379% | 2,629 |
| Return on Equity (ROE) | 11.7942% | 1,363 |
| Retained earnings to average equity (ytd only) | 4.6620% | 2,938 |
| Net charge-offs to loans | 0.4097% | 497 |
| Credit loss provision to net charge-offs | 72.2543% | 2,353 |
| Earnings coverage of net charge-offs (x) | 4.4971% | 2,922 |
| Efficiency ratio | 65.1277% | 3,485 |
| Assets per employee ($millions) | 5.3591% | 2,002 |
| Cash dividends to net income (ytd only)* | 60.4724% | 1,475 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0258% | 3,985 |
| Loan loss allowance to noncurrent loans | 116.7989% | 3,282 |
| Noncurrent assets plus other real estate owned to assets | 0.7053% | 2,453 |
| Noncurrent loans to loans | 0.8783% | 2,225 |
| Net loans and leases to total assets | 79.4854% | 1,026 |
| Net loans and leases to deposits | 89.7478% | 1,765 |
| Net loans and leases to core deposits | 98.6647% | 1,751 |
| Total domestic deposits to total assets | 88.5652% | 1,169 |
| Equity capital to assets | 10.1696% | 3,714 |
| Core capital (leverage) ratio | 10.1796% | 3,302 |
| Tier 1 risk-based capital ratio | 11.8876% | 4,710 |
| Total risk-based capital ratio | 12.8506% | 4,777 |
| Memoranda: | ||
| Average total assets | $105,824,670 | 4,211 |
| Average earning assets | $98,312,330 | 4,195 |
| Average equity | $10,768,000 | 4,397 |
| Average total loans | $84,462,000 | 3,688 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4380% | 1,533 |
| Cost of funding earning assets | 0.6070% | 1,327 |
| Net interest margin | 3.8310% | 2,012 |
| Noninterest income to average assets | 0.5897% | 2,462 |
| Noninterest expense to average assets | 2.8075% | 2,771 |
| Loan and lease loss provision to assets | 0.2283% | 683 |
| Net operating income to assets | 1.0690% | 1,995 |
| Return on assets (ROA) | 1.0766% | 2,005 |
| Pretax return on assets | 1.1146% | 2,924 |
| Return on Equity (ROE) | 10.5775% | 1,705 |
| Retained earnings to average equity (ytd only) | 5.7933% | 2,442 |
| Net charge-offs to loans | 0.2391% | 747 |
| Credit loss provision to net charge-offs | 120.0000% | 1,399 |
| Earnings coverage of net charge-offs (x) | 7.0200% | 2,174 |
| Efficiency ratio | 67.7686% | 3,238 |
| Assets per employee ($millions) | 5.4234% | 1,963 |
| Cash dividends to net income (ytd only)* | 45.2297% | 1,839 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1340% | 3,493 |
| Loan loss allowance to noncurrent loans | 118.8131% | 3,298 |
| Noncurrent assets plus other real estate owned to assets | 0.7302% | 2,469 |
| Noncurrent loans to loans | 0.9544% | 2,136 |
| Net loans and leases to total assets | 75.6343% | 1,470 |
| Net loans and leases to deposits | 85.1230% | 2,147 |
| Net loans and leases to core deposits | 93.8243% | 1,997 |
| Total domestic deposits to total assets | 88.8529% | 1,224 |
| Equity capital to assets | 9.9476% | 3,816 |
| Core capital (leverage) ratio | 10.2619% | 3,174 |
| Tier 1 risk-based capital ratio | 12.1819% | 4,595 |
| Total risk-based capital ratio | 13.2443% | 4,615 |
| Memoranda: | ||
| Average total assets | $105,146,000 | 4,265 |
| Average earning assets | $97,521,500 | 4,243 |
| Average equity | $10,702,000 | 4,434 |
| Average total loans | $83,654,500 | 3,725 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7372% | 989 |
| Cost of funding earning assets | 0.6148% | 1,239 |
| Net interest margin | 4.1224% | 1,327 |
| Noninterest income to average assets | 0.6550% | 2,396 |
| Noninterest expense to average assets | 3.0380% | 2,228 |
| Loan and lease loss provision to assets | 0.2034% | 1,121 |
| Net operating income to assets | 1.1635% | 1,632 |
| Return on assets (ROA) | 1.1635% | 1,729 |
| Pretax return on assets | 1.2052% | 2,644 |
| Return on Equity (ROE) | 11.1638% | 1,519 |
| Retained earnings to average equity (ytd only) | 6.1674% | 1,621 |
| Net charge-offs to loans | 0.1581% | 1,695 |
| Credit loss provision to net charge-offs | 152.6718% | 1,791 |
| Earnings coverage of net charge-offs (x) | 10.5725% | 2,630 |
| Efficiency ratio | 68.3211% | 3,181 |
| Assets per employee ($millions) | 5.0912% | 2,295 |
| Cash dividends to net income (ytd only)* | 44.7552% | 2,610 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1052% | 3,681 |
| Loan loss allowance to noncurrent loans | 103.2115% | 3,564 |
| Noncurrent assets plus other real estate owned to assets | 0.8868% | 2,134 |
| Noncurrent loans to loans | 1.0708% | 1,936 |
| Net loans and leases to total assets | 81.9031% | 620 |
| Net loans and leases to deposits | 92.6150% | 1,356 |
| Net loans and leases to core deposits | 105.4004% | 1,170 |
| Total domestic deposits to total assets | 88.4340% | 1,418 |
| Equity capital to assets | 10.4239% | 3,240 |
| Core capital (leverage) ratio | 10.6146% | 2,761 |
| Tier 1 risk-based capital ratio | 11.8015% | 4,862 |
| Total risk-based capital ratio | 12.8377% | 4,903 |
| Memoranda: | ||
| Average total assets | $98,322,200 | 4,378 |
| Average earning assets | $90,433,200 | 4,373 |
| Average equity | $10,247,400 | 4,528 |
| Average total loans | $82,874,200 | 3,743 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7695% | 951 |
| Cost of funding earning assets | 0.6048% | 1,285 |
| Net interest margin | 4.1648% | 1,214 |
| Noninterest income to average assets | 0.6732% | 2,297 |
| Noninterest expense to average assets | 3.0512% | 2,159 |
| Loan and lease loss provision to assets | 0.1916% | 1,133 |
| Net operating income to assets | 1.2177% | 1,581 |
| Return on assets (ROA) | 1.2177% | 1,678 |
| Pretax return on assets | 1.2560% | 2,596 |
| Return on Equity (ROE) | 11.6844% | 1,418 |
| Retained earnings to average equity (ytd only) | 4.9626% | 2,850 |
| Net charge-offs to loans | 0.1406% | 1,587 |
| Credit loss provision to net charge-offs | 160.9195% | 1,691 |
| Earnings coverage of net charge-offs (x) | 12.1606% | 2,415 |
| Efficiency ratio | 67.8224% | 3,255 |
| Assets per employee ($millions) | 4.9065% | 2,483 |
| Cash dividends to net income (ytd only)* | 57.5280% | 1,531 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0911% | 3,876 |
| Loan loss allowance to noncurrent loans | 65.7102% | 4,365 |
| Noncurrent assets plus other real estate owned to assets | 1.4206% | 1,300 |
| Noncurrent loans to loans | 1.6605% | 1,281 |
| Net loans and leases to total assets | 84.6194% | 355 |
| Net loans and leases to deposits | 96.1399% | 1,036 |
| Net loans and leases to core deposits | 110.2983% | 892 |
| Total domestic deposits to total assets | 88.0169% | 1,400 |
| Equity capital to assets | 10.5727% | 3,486 |
| Core capital (leverage) ratio | 10.7023% | 2,786 |
| Tier 1 risk-based capital ratio | 11.5613% | 5,050 |
| Total risk-based capital ratio | 12.5820% | 5,090 |
| Memoranda: | ||
| Average total assets | $97,446,750 | 4,428 |
| Average earning assets | $89,510,250 | 4,436 |
| Average equity | $10,155,750 | 4,590 |
| Average total loans | $82,510,500 | 3,768 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7434% | 966 |
| Cost of funding earning assets | 0.5915% | 1,386 |
| Net interest margin | 4.1519% | 1,216 |
| Noninterest income to average assets | 0.5719% | 2,780 |
| Noninterest expense to average assets | 3.0282% | 2,256 |
| Loan and lease loss provision to assets | 0.1851% | 1,174 |
| Net operating income to assets | 1.1315% | 1,847 |
| Return on assets (ROA) | 1.1315% | 1,962 |
| Pretax return on assets | 1.1706% | 2,899 |
| Return on Equity (ROE) | 10.9098% | 1,682 |
| Retained earnings to average equity (ytd only) | 3.2928% | 3,804 |
| Net charge-offs to loans | 0.2219% | 1,055 |
| Credit loss provision to net charge-offs | 98.9011% | 2,140 |
| Earnings coverage of net charge-offs (x) | 7.2418% | 2,650 |
| Efficiency ratio | 69.0756% | 3,136 |
| Assets per employee ($millions) | 4.8248% | 2,526 |
| Cash dividends to net income (ytd only)* | 69.8182% | 1,192 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0372% | 4,304 |
| Loan loss allowance to noncurrent loans | 94.1048% | 3,830 |
| Noncurrent assets plus other real estate owned to assets | 1.4042% | 1,401 |
| Noncurrent loans to loans | 1.1022% | 2,086 |
| Net loans and leases to total assets | 85.2324% | 312 |
| Net loans and leases to deposits | 96.6713% | 1,006 |
| Net loans and leases to core deposits | 105.7827% | 1,197 |
| Total domestic deposits to total assets | 88.1673% | 1,344 |
| Equity capital to assets | 10.5280% | 3,609 |
| Core capital (leverage) ratio | 10.5388% | 2,925 |
| Tier 1 risk-based capital ratio | 11.3607% | 5,241 |
| Total risk-based capital ratio | 12.3247% | 5,301 |
| Memoranda: | ||
| Average total assets | $97,219,000 | 4,474 |
| Average earning assets | $89,260,000 | 4,480 |
| Average equity | $10,082,670 | 4,627 |
| Average total loans | $82,029,670 | 3,798 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6932% | 1,061 |
| Cost of funding earning assets | 0.5850% | 1,448 |
| Net interest margin | 4.1082% | 1,317 |
| Noninterest income to average assets | 0.5329% | 2,917 |
| Noninterest expense to average assets | 3.0498% | 2,242 |
| Loan and lease loss provision to assets | 0.1845% | 1,081 |
| Net operating income to assets | 1.0330% | 2,150 |
| Return on assets (ROA) | 1.0330% | 2,271 |
| Pretax return on assets | 1.0699% | 3,204 |
| Return on Equity (ROE) | 10.0353% | 1,972 |
| Retained earnings to average equity (ytd only) | 4.9380% | 2,982 |
| Net charge-offs to loans | 0.1767% | 1,088 |
| Credit loss provision to net charge-offs | 125.0000% | 1,394 |
| Earnings coverage of net charge-offs (x) | 8.5000% | 2,047 |
| Efficiency ratio | 70.8571% | 2,975 |
| Assets per employee ($millions) | 4.7877% | 2,611 |
| Cash dividends to net income (ytd only)* | 50.7937% | 1,721 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0684% | 4,235 |
| Loan loss allowance to noncurrent loans | 89.6197% | 3,871 |
| Noncurrent assets plus other real estate owned to assets | 1.4746% | 1,395 |
| Noncurrent loans to loans | 1.1922% | 2,033 |
| Net loans and leases to total assets | 84.3255% | 340 |
| Net loans and leases to deposits | 95.1901% | 1,025 |
| Net loans and leases to core deposits | 101.9353% | 1,345 |
| Total domestic deposits to total assets | 88.5864% | 1,313 |
| Equity capital to assets | 10.5562% | 3,421 |
| Core capital (leverage) ratio | 10.4949% | 2,969 |
| Tier 1 risk-based capital ratio | 10.8827% | 5,562 |
| Total risk-based capital ratio | 11.8216% | 5,627 |
| Memoranda: | ||
| Average total assets | $97,581,000 | 4,503 |
| Average earning assets | $89,577,000 | 4,510 |
| Average equity | $10,044,500 | 4,653 |
| Average total loans | $81,491,000 | 3,816 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8141% | 900 |
| Cost of funding earning assets | 0.5518% | 1,742 |
| Net interest margin | 4.2624% | 1,038 |
| Noninterest income to average assets | 0.5091% | 3,260 |
| Noninterest expense to average assets | 2.9439% | 2,718 |
| Loan and lease loss provision to assets | 0.0640% | 3,014 |
| Net operating income to assets | 1.3620% | 1,118 |
| Return on assets (ROA) | 1.3620% | 1,164 |
| Pretax return on assets | 1.4015% | 1,893 |
| Return on Equity (ROE) | 13.3266% | 988 |
| Retained earnings to average equity (ytd only) | 7.9793% | 926 |
| Net charge-offs to loans | 0.1579% | 1,798 |
| Credit loss provision to net charge-offs | 49.5868% | 3,414 |
| Earnings coverage of net charge-offs (x) | 11.3471% | 2,592 |
| Efficiency ratio | 66.7635% | 3,785 |
| Assets per employee ($millions) | 4.9704% | 2,403 |
| Cash dividends to net income (ytd only)* | 40.1254% | 2,830 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0607% | 4,258 |
| Loan loss allowance to noncurrent loans | 144.7987% | 2,888 |
| Noncurrent assets plus other real estate owned to assets | 1.0412% | 2,105 |
| Noncurrent loans to loans | 0.7325% | 2,988 |
| Net loans and leases to total assets | 80.9814% | 714 |
| Net loans and leases to deposits | 96.8096% | 921 |
| Net loans and leases to core deposits | 104.1760% | 1,211 |
| Total domestic deposits to total assets | 83.6502% | 3,612 |
| Equity capital to assets | 10.0404% | 3,911 |
| Core capital (leverage) ratio | 10.3766% | 3,080 |
| Tier 1 risk-based capital ratio | 10.7737% | 5,638 |
| Total risk-based capital ratio | 11.7053% | 5,715 |
| Memoranda: | ||
| Average total assets | $93,686,000 | 4,587 |
| Average earning assets | $85,727,200 | 4,595 |
| Average equity | $9,574,800 | 4,733 |
| Average total loans | $76,641,600 | 3,921 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8278% | 888 |
| Cost of funding earning assets | 0.5438% | 1,853 |
| Net interest margin | 4.2840% | 989 |
| Noninterest income to average assets | 0.5333% | 3,146 |
| Noninterest expense to average assets | 2.9497% | 2,676 |
| Loan and lease loss provision to assets | 0.0506% | 3,195 |
| Net operating income to assets | 1.4120% | 1,083 |
| Return on assets (ROA) | 1.4120% | 1,127 |
| Pretax return on assets | 1.4496% | 1,830 |
| Return on Equity (ROE) | 13.7506% | 954 |
| Retained earnings to average equity (ytd only) | 6.5445% | 1,930 |
| Net charge-offs to loans | -0.0106% | 5,004 |
| Credit loss provision to net charge-offs | -583.3333% | 5,391 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2878% | 3,845 |
| Assets per employee ($millions) | 4.7024% | 2,703 |
| Cash dividends to net income (ytd only)* | 52.4055% | 1,770 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2206% | 3,539 |
| Loan loss allowance to noncurrent loans | 167.2444% | 2,602 |
| Noncurrent assets plus other real estate owned to assets | 1.0803% | 2,200 |
| Noncurrent loans to loans | 0.7298% | 3,145 |
| Net loans and leases to total assets | 83.0374% | 470 |
| Net loans and leases to deposits | 100.7132% | 627 |
| Net loans and leases to core deposits | 106.3646% | 1,072 |
| Total domestic deposits to total assets | 82.4494% | 4,007 |
| Equity capital to assets | 10.3235% | 3,784 |
| Core capital (leverage) ratio | 10.3985% | 3,166 |
| Tier 1 risk-based capital ratio | 10.6610% | 5,819 |
| Total risk-based capital ratio | 11.7207% | 5,831 |
| Memoranda: | ||
| Average total assets | $92,255,500 | 4,674 |
| Average earning assets | $84,342,250 | 4,681 |
| Average equity | $9,473,250 | 4,814 |
| Average total loans | $75,460,750 | 3,993 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7981% | 895 |
| Cost of funding earning assets | 0.5323% | 1,963 |
| Net interest margin | 4.2658% | 984 |
| Noninterest income to average assets | 0.5259% | 3,196 |
| Noninterest expense to average assets | 2.9676% | 2,661 |
| Loan and lease loss provision to assets | 0.0436% | 3,235 |
| Net operating income to assets | 1.3769% | 1,137 |
| Return on assets (ROA) | 1.3769% | 1,179 |
| Pretax return on assets | 1.4140% | 1,915 |
| Return on Equity (ROE) | 13.4331% | 1,030 |
| Retained earnings to average equity (ytd only) | 5.2583% | 2,701 |
| Net charge-offs to loans | 0.0108% | 3,533 |
| Credit loss provision to net charge-offs | 500.0000% | 619 |
| Earnings coverage of net charge-offs (x) | 167.0000% | 396 |
| Efficiency ratio | 67.0611% | 3,826 |
| Assets per employee ($millions) | 4.6213% | 2,801 |
| Cash dividends to net income (ytd only)* | 60.8558% | 1,502 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2457% | 3,528 |
| Loan loss allowance to noncurrent loans | 210.2908% | 2,161 |
| Noncurrent assets plus other real estate owned to assets | 1.0203% | 2,468 |
| Noncurrent loans to loans | 0.5924% | 3,686 |
| Net loans and leases to total assets | 80.6277% | 722 |
| Net loans and leases to deposits | 95.8617% | 976 |
| Net loans and leases to core deposits | 100.5329% | 1,447 |
| Total domestic deposits to total assets | 84.1084% | 3,518 |
| Equity capital to assets | 10.2709% | 3,720 |
| Core capital (leverage) ratio | 10.3549% | 3,138 |
| Tier 1 risk-based capital ratio | 10.8000% | 5,803 |
| Total risk-based capital ratio | 11.8694% | 5,819 |
| Memoranda: | ||
| Average total assets | $91,658,000 | 4,734 |
| Average earning assets | $83,783,330 | 4,738 |
| Average equity | $9,394,670 | 4,858 |
| Average total loans | $74,261,000 | 4,053 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7529% | 939 |
| Cost of funding earning assets | 0.5281% | 2,024 |
| Net interest margin | 4.2248% | 1,014 |
| Noninterest income to average assets | 0.4952% | 3,315 |
| Noninterest expense to average assets | 2.9099% | 2,875 |
| Loan and lease loss provision to assets | 0.0219% | 3,427 |
| Net operating income to assets | 1.3805% | 1,068 |
| Return on assets (ROA) | 1.3805% | 1,126 |
| Pretax return on assets | 1.4199% | 1,811 |
| Return on Equity (ROE) | 13.4824% | 989 |
| Retained earnings to average equity (ytd only) | 8.0039% | 1,571 |
| Net charge-offs to loans | 0.0434% | 2,372 |
| Credit loss provision to net charge-offs | 62.5000% | 1,974 |
| Earnings coverage of net charge-offs (x) | 41.1250% | 959 |
| Efficiency ratio | 66.8681% | 4,004 |
| Assets per employee ($millions) | 4.5587% | 2,957 |
| Cash dividends to net income (ytd only)* | 40.6349% | 2,029 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2536% | 3,668 |
| Loan loss allowance to noncurrent loans | 192.6778% | 2,289 |
| Noncurrent assets plus other real estate owned to assets | 1.0683% | 2,477 |
| Noncurrent loans to loans | 0.6506% | 3,647 |
| Net loans and leases to total assets | 79.5718% | 733 |
| Net loans and leases to deposits | 94.6830% | 922 |
| Net loans and leases to core deposits | 98.6323% | 1,418 |
| Total domestic deposits to total assets | 84.0402% | 3,804 |
| Equity capital to assets | 10.3561% | 3,709 |
| Core capital (leverage) ratio | 10.4893% | 2,976 |
| Tier 1 risk-based capital ratio | 10.6528% | 5,959 |
| Total risk-based capital ratio | 11.6947% | 5,985 |
| Memoranda: | ||
| Average total assets | $91,274,000 | 4,783 |
| Average earning assets | $83,317,000 | 4,790 |
| Average equity | $9,345,500 | 4,908 |
| Average total loans | $73,661,000 | 4,088 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9798% | 807 |
| Cost of funding earning assets | 0.5785% | 1,967 |
| Net interest margin | 4.4012% | 882 |
| Noninterest income to average assets | 0.2735% | 5,164 |
| Noninterest expense to average assets | 3.1615% | 2,326 |
| Loan and lease loss provision to assets | 0.1061% | 2,379 |
| Net operating income to assets | 0.9660% | 2,552 |
| Return on assets (ROA) | 1.0078% | 2,428 |
| Pretax return on assets | 1.0491% | 3,309 |
| Return on Equity (ROE) | 9.4592% | 2,359 |
| Retained earnings to average equity (ytd only) | 3.7948% | 3,516 |
| Net charge-offs to loans | 0.0314% | 4,199 |
| Credit loss provision to net charge-offs | 428.5714% | 605 |
| Earnings coverage of net charge-offs (x) | 44.9048% | 1,004 |
| Efficiency ratio | 73.9862% | 2,839 |
| Assets per employee ($millions) | 4.5688% | 2,925 |
| Cash dividends to net income (ytd only)* | 59.8830% | 1,747 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2511% | 3,715 |
| Loan loss allowance to noncurrent loans | 176.0000% | 2,485 |
| Noncurrent assets plus other real estate owned to assets | 1.0758% | 2,594 |
| Noncurrent loans to loans | 0.7109% | 3,542 |
| Net loans and leases to total assets | 79.8129% | 759 |
| Net loans and leases to deposits | 97.2568% | 813 |
| Net loans and leases to core deposits | 102.0414% | 1,245 |
| Total domestic deposits to total assets | 82.0640% | 4,398 |
| Equity capital to assets | 10.1220% | 3,960 |
| Core capital (leverage) ratio | 10.7802% | 2,634 |
| Tier 1 risk-based capital ratio | 11.2549% | 5,790 |
| Total risk-based capital ratio | 12.3816% | 5,790 |
| Memoranda: | ||
| Average total assets | $84,834,200 | 4,945 |
| Average earning assets | $77,092,000 | 4,953 |
| Average equity | $9,038,800 | 4,969 |
| Average total loans | $66,821,400 | 4,271 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0238% | 739 |
| Cost of funding earning assets | 0.5911% | 1,913 |
| Net interest margin | 4.4327% | 846 |
| Noninterest income to average assets | 0.4695% | 3,740 |
| Noninterest expense to average assets | 3.2836% | 1,940 |
| Loan and lease loss provision to assets | 0.1442% | 1,738 |
| Net operating income to assets | 1.0296% | 2,323 |
| Return on assets (ROA) | 1.0865% | 2,158 |
| Pretax return on assets | 1.1266% | 3,082 |
| Return on Equity (ROE) | 10.0596% | 2,191 |
| Retained earnings to average equity (ytd only) | 2.4630% | 4,823 |
| Net charge-offs to loans | 0.0184% | 4,164 |
| Credit loss provision to net charge-offs | 1,000.0000% | 325 |
| Earnings coverage of net charge-offs (x) | 83.9975% | 679 |
| Efficiency ratio | 73.0481% | 2,982 |
| Assets per employee ($millions) | 4.1849% | 3,518 |
| Cash dividends to net income (ytd only)* | 75.5161% | 860 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3975% | 3,191 |
| Loan loss allowance to noncurrent loans | 2,340.0000% | 260 |
| Noncurrent assets plus other real estate owned to assets | 0.6942% | 3,734 |
| Noncurrent loans to loans | 0.0597% | 5,777 |
| Net loans and leases to total assets | 78.9072% | 847 |
| Net loans and leases to deposits | 90.4773% | 1,378 |
| Net loans and leases to core deposits | 94.7043% | 1,781 |
| Total domestic deposits to total assets | 87.2122% | 2,187 |
| Equity capital to assets | 10.8319% | 3,149 |
| Core capital (leverage) ratio | 10.9171% | 2,567 |
| Tier 1 risk-based capital ratio | 12.0639% | 5,447 |
| Total risk-based capital ratio | 13.3112% | 5,363 |
| Memoranda: | ||
| Average total assets | $83,199,000 | 5,037 |
| Average earning assets | $75,558,500 | 5,051 |
| Average equity | $8,986,250 | 5,013 |
| Average total loans | $65,063,500 | 4,368 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9985% | 754 |
| Cost of funding earning assets | 0.5960% | 1,933 |
| Net interest margin | 4.4025% | 847 |
| Noninterest income to average assets | 0.4360% | 3,982 |
| Noninterest expense to average assets | 3.2662% | 2,005 |
| Loan and lease loss provision to assets | 0.1445% | 1,713 |
| Net operating income to assets | 0.9904% | 2,360 |
| Return on assets (ROA) | 0.9996% | 2,394 |
| Pretax return on assets | 1.0381% | 3,334 |
| Return on Equity (ROE) | 9.2637% | 2,474 |
| Retained earnings to average equity (ytd only) | 0.6920% | 5,460 |
| Net charge-offs to loans | 0.0217% | 3,774 |
| Credit loss provision to net charge-offs | 857.1429% | 382 |
| Earnings coverage of net charge-offs (x) | 69.5714% | 735 |
| Efficiency ratio | 73.5757% | 3,048 |
| Assets per employee ($millions) | 4.1366% | 3,572 |
| Cash dividends to net income (ytd only)* | 92.5301% | 637 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3948% | 3,381 |
| Loan loss allowance to noncurrent loans | 2,389.4737% | 244 |
| Noncurrent assets plus other real estate owned to assets | 0.7361% | 3,758 |
| Noncurrent loans to loans | 0.0584% | 5,863 |
| Net loans and leases to total assets | 77.5888% | 962 |
| Net loans and leases to deposits | 87.9773% | 1,602 |
| Net loans and leases to core deposits | 92.7749% | 1,877 |
| Total domestic deposits to total assets | 88.1919% | 1,796 |
| Equity capital to assets | 10.8508% | 3,027 |
| Core capital (leverage) ratio | 10.7678% | 2,656 |
| Tier 1 risk-based capital ratio | 12.1043% | 5,481 |
| Total risk-based capital ratio | 13.3368% | 5,414 |
| Memoranda: | ||
| Average total assets | $83,033,000 | 5,077 |
| Average earning assets | $75,503,000 | 5,089 |
| Average equity | $8,959,670 | 5,037 |
| Average total loans | $64,425,000 | 4,412 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9439% | 798 |
| Cost of funding earning assets | 0.6061% | 1,924 |
| Net interest margin | 4.3378% | 928 |
| Noninterest income to average assets | 0.4328% | 3,930 |
| Noninterest expense to average assets | 3.2073% | 2,212 |
| Loan and lease loss provision to assets | 0.1443% | 1,690 |
| Net operating income to assets | 1.0002% | 2,211 |
| Return on assets (ROA) | 1.0002% | 2,266 |
| Pretax return on assets | 1.0387% | 3,173 |
| Return on Equity (ROE) | 9.2951% | 2,332 |
| Retained earnings to average equity (ytd only) | 3.5750% | 3,990 |
| Net charge-offs to loans | 0.0499% | 2,679 |
| Credit loss provision to net charge-offs | 375.0000% | 680 |
| Earnings coverage of net charge-offs (x) | 30.7500% | 1,036 |
| Efficiency ratio | 73.0559% | 3,305 |
| Assets per employee ($millions) | 4.2165% | 3,495 |
| Cash dividends to net income (ytd only)* | 61.5385% | 1,375 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3762% | 3,711 |
| Loan loss allowance to noncurrent loans | 231.3984% | 1,845 |
| Noncurrent assets plus other real estate owned to assets | 1.1621% | 2,935 |
| Noncurrent loans to loans | 0.5947% | 4,374 |
| Net loans and leases to total assets | 74.5283% | 1,186 |
| Net loans and leases to deposits | 84.2153% | 1,801 |
| Net loans and leases to core deposits | 88.6921% | 2,027 |
| Total domestic deposits to total assets | 88.4974% | 1,938 |
| Equity capital to assets | 10.6606% | 3,081 |
| Core capital (leverage) ratio | 10.9516% | 2,431 |
| Tier 1 risk-based capital ratio | 12.3655% | 5,399 |
| Total risk-based capital ratio | 13.5751% | 5,351 |
| Memoranda: | ||
| Average total assets | $83,184,000 | 5,127 |
| Average earning assets | $75,891,500 | 5,119 |
| Average equity | $8,951,000 | 5,062 |
| Average total loans | $64,088,500 | 4,457 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9802% | 949 |
| Cost of funding earning assets | 0.7436% | 1,540 |
| Net interest margin | 4.2367% | 1,257 |
| Noninterest income to average assets | 0.5257% | 3,586 |
| Noninterest expense to average assets | 2.9465% | 3,209 |
| Loan and lease loss provision to assets | 0.2503% | 1,443 |
| Net operating income to assets | 1.2029% | 1,556 |
| Return on assets (ROA) | 1.2029% | 1,629 |
| Pretax return on assets | 1.2442% | 2,396 |
| Return on Equity (ROE) | 11.1410% | 1,719 |
| Retained earnings to average equity (ytd only) | 5.2053% | 2,473 |
| Net charge-offs to loans | 0.2486% | 2,481 |
| Credit loss provision to net charge-offs | 132.4503% | 1,779 |
| Earnings coverage of net charge-offs (x) | 7.9073% | 2,766 |
| Efficiency ratio | 66.3472% | 4,501 |
| Assets per employee ($millions) | 4.8258% | 2,411 |
| Cash dividends to net income (ytd only)* | 53.2778% | 2,109 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3266% | 4,002 |
| Loan loss allowance to noncurrent loans | 265.5280% | 1,648 |
| Noncurrent assets plus other real estate owned to assets | 1.1616% | 3,073 |
| Noncurrent loans to loans | 0.4996% | 4,746 |
| Net loans and leases to total assets | 77.5192% | 882 |
| Net loans and leases to deposits | 89.8998% | 1,248 |
| Net loans and leases to core deposits | 94.5947% | 1,554 |
| Total domestic deposits to total assets | 86.2285% | 3,147 |
| Equity capital to assets | 10.8631% | 2,747 |
| Core capital (leverage) ratio | 11.1473% | 2,239 |
| Tier 1 risk-based capital ratio | 12.1862% | 5,506 |
| Total risk-based capital ratio | 13.3586% | 5,490 |
| Memoranda: | ||
| Average total assets | $79,890,200 | 5,239 |
| Average earning assets | $73,831,800 | 5,196 |
| Average equity | $8,625,800 | 5,184 |
| Average total loans | $60,740,600 | 4,592 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9254% | 1,075 |
| Cost of funding earning assets | 0.7689% | 1,486 |
| Net interest margin | 4.1565% | 1,462 |
| Noninterest income to average assets | 0.5041% | 3,777 |
| Noninterest expense to average assets | 2.9286% | 3,215 |
| Loan and lease loss provision to assets | 0.2856% | 1,208 |
| Net operating income to assets | 1.1005% | 2,003 |
| Return on assets (ROA) | 1.1005% | 2,076 |
| Pretax return on assets | 1.1409% | 2,946 |
| Return on Equity (ROE) | 10.2091% | 2,103 |
| Retained earnings to average equity (ytd only) | 2.2288% | 4,984 |
| Net charge-offs to loans | 0.3410% | 1,842 |
| Credit loss provision to net charge-offs | 111.1111% | 2,120 |
| Earnings coverage of net charge-offs (x) | 5.5491% | 3,166 |
| Efficiency ratio | 67.2454% | 4,247 |
| Assets per employee ($millions) | 4.8670% | 2,344 |
| Cash dividends to net income (ytd only)* | 78.1681% | 843 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3424% | 4,184 |
| Loan loss allowance to noncurrent loans | 244.9405% | 1,656 |
| Noncurrent assets plus other real estate owned to assets | 1.2418% | 3,155 |
| Noncurrent loans to loans | 0.5480% | 4,828 |
| Net loans and leases to total assets | 77.6749% | 786 |
| Net loans and leases to deposits | 88.9907% | 1,269 |
| Net loans and leases to core deposits | 93.4841% | 1,622 |
| Total domestic deposits to total assets | 87.2843% | 2,515 |
| Equity capital to assets | 11.0772% | 2,691 |
| Core capital (leverage) ratio | 10.9102% | 2,564 |
| Tier 1 risk-based capital ratio | 12.4324% | 5,498 |
| Total risk-based capital ratio | 13.6250% | 5,468 |
| Memoranda: | ||
| Average total assets | $79,353,000 | 5,307 |
| Average earning assets | $73,521,000 | 5,255 |
| Average equity | $8,554,250 | 5,256 |
| Average total loans | $59,813,000 | 4,658 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8196% | 1,288 |
| Cost of funding earning assets | 0.7902% | 1,468 |
| Net interest margin | 4.0293% | 1,762 |
| Noninterest income to average assets | 0.7239% | 2,528 |
| Noninterest expense to average assets | 2.9857% | 3,045 |
| Loan and lease loss provision to assets | 0.3131% | 1,134 |
| Net operating income to assets | 1.1272% | 1,828 |
| Return on assets (ROA) | 1.1272% | 1,949 |
| Pretax return on assets | 1.1672% | 2,817 |
| Return on Equity (ROE) | 10.5506% | 1,997 |
| Retained earnings to average equity (ytd only) | 1.5474% | 5,250 |
| Net charge-offs to loans | 0.5328% | 1,241 |
| Credit loss provision to net charge-offs | 79.1139% | 2,646 |
| Earnings coverage of net charge-offs (x) | 3.7405% | 3,316 |
| Efficiency ratio | 66.8536% | 4,385 |
| Assets per employee ($millions) | 4.9046% | 2,221 |
| Cash dividends to net income (ytd only)* | 85.3333% | 776 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2722% | 4,633 |
| Loan loss allowance to noncurrent loans | 228.6982% | 1,774 |
| Noncurrent assets plus other real estate owned to assets | 1.3126% | 3,153 |
| Noncurrent loans to loans | 0.5563% | 4,866 |
| Net loans and leases to total assets | 76.4416% | 934 |
| Net loans and leases to deposits | 87.2917% | 1,428 |
| Net loans and leases to core deposits | 92.3672% | 1,674 |
| Total domestic deposits to total assets | 87.5702% | 2,508 |
| Equity capital to assets | 10.9082% | 2,839 |
| Core capital (leverage) ratio | 10.6504% | 2,716 |
| Tier 1 risk-based capital ratio | 12.6021% | 5,431 |
| Total risk-based capital ratio | 13.7476% | 5,441 |
| Memoranda: | ||
| Average total assets | $79,846,670 | 5,317 |
| Average earning assets | $74,156,000 | 5,272 |
| Average equity | $8,530,330 | 5,299 |
| Average total loans | $59,314,000 | 4,695 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7427% | 1,427 |
| Cost of funding earning assets | 0.8225% | 1,409 |
| Net interest margin | 3.9202% | 2,050 |
| Noninterest income to average assets | 0.5265% | 3,597 |
| Noninterest expense to average assets | 3.0695% | 2,772 |
| Loan and lease loss provision to assets | 0.3974% | 780 |
| Net operating income to assets | 0.6656% | 3,872 |
| Return on assets (ROA) | 0.6656% | 4,024 |
| Pretax return on assets | 0.7053% | 4,554 |
| Return on Equity (ROE) | 6.2944% | 3,886 |
| Retained earnings to average equity (ytd only) | 0.2818% | 5,699 |
| Net charge-offs to loans | 1.0445% | 584 |
| Credit loss provision to net charge-offs | 52.2876% | 2,570 |
| Earnings coverage of net charge-offs (x) | 1.4510% | 3,347 |
| Efficiency ratio | 73.5714% | 3,338 |
| Assets per employee ($millions) | 5.0745% | 2,128 |
| Cash dividends to net income (ytd only)* | 95.5224% | 693 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2742% | 4,826 |
| Loan loss allowance to noncurrent loans | 202.4862% | 1,886 |
| Noncurrent assets plus other real estate owned to assets | 1.2982% | 3,369 |
| Noncurrent loans to loans | 0.6293% | 4,871 |
| Net loans and leases to total assets | 69.9502% | 1,665 |
| Net loans and leases to deposits | 79.3611% | 2,166 |
| Net loans and leases to core deposits | 83.4629% | 2,395 |
| Total domestic deposits to total assets | 88.1417% | 2,231 |
| Equity capital to assets | 10.4899% | 3,552 |
| Core capital (leverage) ratio | 10.4780% | 2,809 |
| Tier 1 risk-based capital ratio | 13.0781% | 5,160 |
| Total risk-based capital ratio | 14.2134% | 5,204 |
| Memoranda: | ||
| Average total assets | $80,533,500 | 5,347 |
| Average earning assets | $74,894,500 | 5,296 |
| Average equity | $8,515,500 | 5,357 |
| Average total loans | $58,591,500 | 4,755 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1482% | 1,215 |
| Cost of funding earning assets | 1.0247% | 1,230 |
| Net interest margin | 4.1235% | 1,904 |
| Noninterest income to average assets | 0.4941% | 3,939 |
| Noninterest expense to average assets | 2.7728% | 4,131 |
| Loan and lease loss provision to assets | 0.2413% | 2,718 |
| Net operating income to assets | 1.2765% | 1,376 |
| Return on assets (ROA) | 1.2765% | 1,523 |
| Pretax return on assets | 1.3185% | 2,330 |
| Return on Equity (ROE) | 12.1688% | 1,463 |
| Retained earnings to average equity (ytd only) | 5.9694% | 2,096 |
| Net charge-offs to loans | 0.4149% | 2,585 |
| Credit loss provision to net charge-offs | 77.5510% | 3,910 |
| Earnings coverage of net charge-offs (x) | 5.0122% | 3,177 |
| Efficiency ratio | 63.9988% | 4,889 |
| Assets per employee ($millions) | 4.9922% | 2,240 |
| Cash dividends to net income (ytd only)* | 50.9453% | 2,270 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3511% | 4,398 |
| Loan loss allowance to noncurrent loans | 106.1924% | 3,187 |
| Noncurrent assets plus other real estate owned to assets | 1.9543% | 2,505 |
| Noncurrent loans to loans | 1.2723% | 3,711 |
| Net loans and leases to total assets | 73.6776% | 1,239 |
| Net loans and leases to deposits | 83.6710% | 1,794 |
| Net loans and leases to core deposits | 88.6042% | 2,019 |
| Total domestic deposits to total assets | 88.0563% | 2,203 |
| Equity capital to assets | 10.6592% | 3,326 |
| Core capital (leverage) ratio | 10.5627% | 2,689 |
| Tier 1 risk-based capital ratio | 12.6756% | 5,344 |
| Total risk-based capital ratio | 13.8863% | 5,320 |
| Memoranda: | ||
| Average total assets | $78,728,800 | 5,391 |
| Average earning assets | $73,287,200 | 5,333 |
| Average equity | $8,258,800 | 5,430 |
| Average total loans | $59,043,600 | 4,750 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1858% | 1,227 |
| Cost of funding earning assets | 1.0569% | 1,255 |
| Net interest margin | 4.1289% | 1,984 |
| Noninterest income to average assets | 0.4997% | 3,932 |
| Noninterest expense to average assets | 2.5836% | 4,793 |
| Loan and lease loss provision to assets | 0.2210% | 2,854 |
| Net operating income to assets | 1.5043% | 1,011 |
| Return on assets (ROA) | 1.5043% | 1,127 |
| Pretax return on assets | 1.5399% | 1,755 |
| Return on Equity (ROE) | 14.3987% | 1,026 |
| Retained earnings to average equity (ytd only) | 6.0686% | 2,658 |
| Net charge-offs to loans | 0.3328% | 2,796 |
| Credit loss provision to net charge-offs | 88.4354% | 3,349 |
| Earnings coverage of net charge-offs (x) | 7.0474% | 2,668 |
| Efficiency ratio | 59.4679% | 5,589 |
| Assets per employee ($millions) | 4.7998% | 2,444 |
| Cash dividends to net income (ytd only)* | 57.8532% | 1,360 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4253% | 4,261 |
| Loan loss allowance to noncurrent loans | 214.2132% | 1,673 |
| Noncurrent assets plus other real estate owned to assets | 1.7006% | 3,040 |
| Noncurrent loans to loans | 0.6653% | 5,115 |
| Net loans and leases to total assets | 76.0095% | 975 |
| Net loans and leases to deposits | 86.8698% | 1,500 |
| Net loans and leases to core deposits | 92.0303% | 1,777 |
| Total domestic deposits to total assets | 87.4982% | 2,352 |
| Equity capital to assets | 10.9431% | 3,336 |
| Core capital (leverage) ratio | 10.7503% | 2,653 |
| Tier 1 risk-based capital ratio | 12.6995% | 5,478 |
| Total risk-based capital ratio | 13.9500% | 5,448 |
| Memoranda: | ||
| Average total assets | $78,442,250 | 5,451 |
| Average earning assets | $73,043,500 | 5,400 |
| Average equity | $8,195,000 | 5,496 |
| Average total loans | $58,890,500 | 4,804 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1275% | 1,429 |
| Cost of funding earning assets | 1.0793% | 1,315 |
| Net interest margin | 4.0482% | 2,302 |
| Noninterest income to average assets | 0.4456% | 4,330 |
| Noninterest expense to average assets | 2.5471% | 4,972 |
| Loan and lease loss provision to assets | 0.1772% | 3,325 |
| Net operating income to assets | 1.4559% | 1,073 |
| Return on assets (ROA) | 1.4559% | 1,207 |
| Pretax return on assets | 1.4913% | 1,874 |
| Return on Equity (ROE) | 14.1533% | 1,079 |
| Retained earnings to average equity (ytd only) | 4.7013% | 3,483 |
| Net charge-offs to loans | 0.1667% | 3,606 |
| Credit loss provision to net charge-offs | 142.8571% | 1,932 |
| Earnings coverage of net charge-offs (x) | 13.4490% | 1,793 |
| Efficiency ratio | 60.4204% | 5,513 |
| Assets per employee ($millions) | 4.9339% | 2,261 |
| Cash dividends to net income (ytd only)* | 66.7826% | 1,167 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4933% | 4,036 |
| Loan loss allowance to noncurrent loans | 163.3333% | 2,057 |
| Noncurrent assets plus other real estate owned to assets | 1.8634% | 2,953 |
| Noncurrent loans to loans | 0.9143% | 4,671 |
| Net loans and leases to total assets | 73.7000% | 1,297 |
| Net loans and leases to deposits | 83.5454% | 1,911 |
| Net loans and leases to core deposits | 89.2155% | 2,072 |
| Total domestic deposits to total assets | 88.2155% | 2,012 |
| Equity capital to assets | 10.3556% | 3,869 |
| Core capital (leverage) ratio | 10.1938% | 3,154 |
| Tier 1 risk-based capital ratio | 12.3574% | 5,676 |
| Total risk-based capital ratio | 13.6090% | 5,656 |
| Memoranda: | ||
| Average total assets | $78,990,670 | 5,464 |
| Average earning assets | $73,564,330 | 5,415 |
| Average equity | $8,125,330 | 5,531 |
| Average total loans | $58,781,670 | 4,836 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1151% | 1,535 |
| Cost of funding earning assets | 1.0980% | 1,416 |
| Net interest margin | 4.0171% | 2,434 |
| Noninterest income to average assets | 0.5822% | 3,341 |
| Noninterest expense to average assets | 2.3742% | 5,557 |
| Loan and lease loss provision to assets | 0.1519% | 3,476 |
| Net operating income to assets | 1.7617% | 648 |
| Return on assets (ROA) | 1.7617% | 724 |
| Pretax return on assets | 1.7971% | 1,072 |
| Return on Equity (ROE) | 17.1841% | 644 |
| Retained earnings to average equity (ytd only) | 10.8635% | 1,067 |
| Net charge-offs to loans | 0.1774% | 3,033 |
| Credit loss provision to net charge-offs | 115.3846% | 2,043 |
| Earnings coverage of net charge-offs (x) | 14.8077% | 1,452 |
| Efficiency ratio | 54.9180% | 6,240 |
| Assets per employee ($millions) | 5.0971% | 2,129 |
| Cash dividends to net income (ytd only)* | 36.7816% | 1,867 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4935% | 4,187 |
| Loan loss allowance to noncurrent loans | 131.6591% | 2,429 |
| Noncurrent assets plus other real estate owned to assets | 1.9901% | 2,909 |
| Noncurrent loans to loans | 1.1343% | 4,444 |
| Net loans and leases to total assets | 69.9586% | 1,761 |
| Net loans and leases to deposits | 78.9336% | 2,348 |
| Net loans and leases to core deposits | 84.1182% | 2,531 |
| Total domestic deposits to total assets | 88.6296% | 1,937 |
| Equity capital to assets | 10.0719% | 4,041 |
| Core capital (leverage) ratio | 10.4335% | 2,832 |
| Tier 1 risk-based capital ratio | 12.8045% | 5,356 |
| Total risk-based capital ratio | 14.0561% | 5,332 |
| Memoranda: | ||
| Average total assets | $79,014,500 | 5,510 |
| Average earning assets | $73,585,500 | 5,451 |
| Average equity | $8,100,500 | 5,559 |
| Average total loans | $58,641,000 | 4,873 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4804% | 1,210 |
| Cost of funding earning assets | 1.2501% | 1,738 |
| Net interest margin | 4.2303% | 1,961 |
| Noninterest income to average assets | 0.3535% | 4,975 |
| Noninterest expense to average assets | 2.9922% | 3,622 |
| Loan and lease loss provision to assets | 0.2980% | 3,283 |
| Net operating income to assets | 0.9401% | 2,452 |
| Return on assets (ROA) | 0.9414% | 2,571 |
| Pretax return on assets | 0.9793% | 3,321 |
| Return on Equity (ROE) | 8.9872% | 2,456 |
| Retained earnings to average equity (ytd only) | 2.3664% | 4,541 |
| Net charge-offs to loans | 0.5797% | 2,711 |
| Credit loss provision to net charge-offs | 66.8693% | 4,969 |
| Earnings coverage of net charge-offs (x) | 2.8632% | 3,779 |
| Efficiency ratio | 70.1047% | 3,933 |
| Assets per employee ($millions) | 4.7797% | 2,474 |
| Cash dividends to net income (ytd only)* | 73.6691% | 1,007 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4504% | 4,233 |
| Loan loss allowance to noncurrent loans | 157.6923% | 2,041 |
| Noncurrent assets plus other real estate owned to assets | 1.9771% | 3,001 |
| Noncurrent loans to loans | 0.9198% | 4,854 |
| Net loans and leases to total assets | 76.4982% | 886 |
| Net loans and leases to deposits | 87.2969% | 1,476 |
| Net loans and leases to core deposits | 93.8404% | 1,715 |
| Total domestic deposits to total assets | 87.6299% | 2,384 |
| Equity capital to assets | 10.4439% | 3,591 |
| Core capital (leverage) ratio | 10.4747% | 2,758 |
| Tier 1 risk-based capital ratio | 12.4352% | 5,503 |
| Total risk-based capital ratio | 13.6860% | 5,480 |
| Memoranda: | ||
| Average total assets | $73,825,000 | 5,648 |
| Average earning assets | $68,316,400 | 5,600 |
| Average equity | $7,733,200 | 5,654 |
| Average total loans | $56,756,200 | 4,993 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4673% | 1,348 |
| Cost of funding earning assets | 1.2673% | 1,884 |
| Net interest margin | 4.2000% | 2,098 |
| Noninterest income to average assets | 0.3772% | 4,851 |
| Noninterest expense to average assets | 3.1254% | 3,072 |
| Loan and lease loss provision to assets | 0.4009% | 2,446 |
| Net operating income to assets | 0.6962% | 3,640 |
| Return on assets (ROA) | 0.6980% | 3,800 |
| Pretax return on assets | 0.7362% | 4,357 |
| Return on Equity (ROE) | 6.6580% | 3,686 |
| Retained earnings to average equity (ytd only) | -2.2426% | 6,325 |
| Net charge-offs to loans | 0.7890% | 1,981 |
| Credit loss provision to net charge-offs | 66.2651% | 4,595 |
| Earnings coverage of net charge-offs (x) | 1.8765% | 4,254 |
| Efficiency ratio | 73.3533% | 3,306 |
| Assets per employee ($millions) | 4.4235% | 3,044 |
| Cash dividends to net income (ytd only)* | 133.6826% | 139 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4994% | 4,103 |
| Loan loss allowance to noncurrent loans | 201.8824% | 1,550 |
| Noncurrent assets plus other real estate owned to assets | 1.9229% | 3,233 |
| Noncurrent loans to loans | 0.7427% | 5,394 |
| Net loans and leases to total assets | 74.9545% | 1,149 |
| Net loans and leases to deposits | 85.5519% | 1,745 |
| Net loans and leases to core deposits | 92.2867% | 1,970 |
| Total domestic deposits to total assets | 87.6129% | 2,283 |
| Equity capital to assets | 10.2009% | 4,082 |
| Core capital (leverage) ratio | 10.2887% | 3,096 |
| Tier 1 risk-based capital ratio | 12.4505% | 5,535 |
| Total risk-based capital ratio | 13.7015% | 5,528 |
| Memoranda: | ||
| Average total assets | $73,162,500 | 5,709 |
| Average earning assets | $67,648,500 | 5,663 |
| Average equity | $7,669,750 | 5,699 |
| Average total loans | $56,104,500 | 5,073 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4129% | 1,523 |
| Cost of funding earning assets | 1.2785% | 2,069 |
| Net interest margin | 4.1343% | 2,288 |
| Noninterest income to average assets | 0.5546% | 3,438 |
| Noninterest expense to average assets | 3.0821% | 3,323 |
| Loan and lease loss provision to assets | 0.6070% | 1,586 |
| Net operating income to assets | 0.6458% | 3,819 |
| Return on assets (ROA) | 0.6484% | 3,934 |
| Pretax return on assets | 0.6871% | 4,427 |
| Return on Equity (ROE) | 6.1283% | 3,900 |
| Retained earnings to average equity (ytd only) | -3.8856% | 6,463 |
| Net charge-offs to loans | 1.3673% | 1,108 |
| Credit loss provision to net charge-offs | 57.7428% | 4,400 |
| Earnings coverage of net charge-offs (x) | 1.2283% | 4,368 |
| Efficiency ratio | 70.4732% | 4,026 |
| Assets per employee ($millions) | 4.3161% | 3,141 |
| Cash dividends to net income (ytd only)* | 163.4043% | 143 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4714% | 4,251 |
| Loan loss allowance to noncurrent loans | 177.8022% | 1,697 |
| Noncurrent assets plus other real estate owned to assets | 2.1111% | 3,092 |
| Noncurrent loans to loans | 0.8275% | 5,273 |
| Net loans and leases to total assets | 73.8323% | 1,444 |
| Net loans and leases to deposits | 84.4448% | 2,042 |
| Net loans and leases to core deposits | 90.8074% | 2,281 |
| Total domestic deposits to total assets | 87.4327% | 2,500 |
| Equity capital to assets | 10.4330% | 3,604 |
| Core capital (leverage) ratio | 10.4337% | 2,782 |
| Tier 1 risk-based capital ratio | 12.7815% | 5,107 |
| Total risk-based capital ratio | 14.0324% | 5,078 |
| Memoranda: | ||
| Average total assets | $72,483,670 | 5,766 |
| Average earning assets | $66,951,330 | 5,730 |
| Average equity | $7,669,330 | 5,714 |
| Average total loans | $55,731,670 | 5,139 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2976% | 1,873 |
| Cost of funding earning assets | 1.2959% | 2,203 |
| Net interest margin | 4.0017% | 2,675 |
| Noninterest income to average assets | 0.6163% | 3,061 |
| Noninterest expense to average assets | 3.4259% | 2,208 |
| Loan and lease loss provision to assets | 0.3332% | 2,565 |
| Net operating income to assets | 0.5219% | 4,396 |
| Return on assets (ROA) | 0.5219% | 4,482 |
| Pretax return on assets | 0.5608% | 4,827 |
| Return on Equity (ROE) | 4.8981% | 4,452 |
| Retained earnings to average equity (ytd only) | -8.4413% | 6,777 |
| Net charge-offs to loans | 1.3688% | 1,005 |
| Credit loss provision to net charge-offs | 31.2500% | 4,099 |
| Earnings coverage of net charge-offs (x) | 0.8385% | 4,009 |
| Efficiency ratio | 79.3059% | 2,649 |
| Assets per employee ($millions) | 4.3312% | 3,174 |
| Cash dividends to net income (ytd only)* | 272.3404% | 113 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5363% | 4,023 |
| Loan loss allowance to noncurrent loans | 135.5987% | 2,182 |
| Noncurrent assets plus other real estate owned to assets | 2.3373% | 2,908 |
| Noncurrent loans to loans | 1.1330% | 4,813 |
| Net loans and leases to total assets | 72.9435% | 1,526 |
| Net loans and leases to deposits | 83.2117% | 2,154 |
| Net loans and leases to core deposits | 89.9317% | 2,356 |
| Total domestic deposits to total assets | 87.6601% | 2,576 |
| Equity capital to assets | 10.3027% | 3,408 |
| Core capital (leverage) ratio | 10.5086% | 2,603 |
| Tier 1 risk-based capital ratio | 12.9048% | 4,890 |
| Total risk-based capital ratio | 14.1564% | 4,881 |
| Memoranda: | ||
| Average total assets | $72,039,000 | 5,816 |
| Average earning assets | $66,671,500 | 5,781 |
| Average equity | $7,676,500 | 5,716 |
| Average total loans | $56,106,500 | 5,170 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9744% | 893 |
| Cost of funding earning assets | 1.5924% | 2,112 |
| Net interest margin | 4.3820% | 1,548 |
| Noninterest income to average assets | 0.6056% | 3,441 |
| Noninterest expense to average assets | 2.8173% | 4,533 |
| Loan and lease loss provision to assets | 0.2904% | 4,471 |
| Net operating income to assets | 1.5132% | 739 |
| Return on assets (ROA) | 1.5132% | 800 |
| Pretax return on assets | 1.5538% | 1,233 |
| Return on Equity (ROE) | 14.0371% | 874 |
| Retained earnings to average equity (ytd only) | 7.1398% | 1,264 |
| Net charge-offs to loans | 0.0172% | 6,646 |
| Credit loss provision to net charge-offs | 2,000.0000% | 112 |
| Earnings coverage of net charge-offs (x) | 127.0000% | 200 |
| Efficiency ratio | 60.4361% | 5,982 |
| Assets per employee ($millions) | 4.6965% | 2,562 |
| Cash dividends to net income (ytd only)* | 49.1363% | 2,122 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6821% | 3,282 |
| Loan loss allowance to noncurrent loans | 53.7992% | 4,801 |
| Noncurrent assets plus other real estate owned to assets | 2.7098% | 2,574 |
| Noncurrent loans to loans | 3.1266% | 2,440 |
| Net loans and leases to total assets | 80.4804% | 598 |
| Net loans and leases to deposits | 92.5709% | 1,195 |
| Net loans and leases to core deposits | 99.6362% | 1,647 |
| Total domestic deposits to total assets | 86.9391% | 2,858 |
| Equity capital to assets | 11.0253% | 2,658 |
| Core capital (leverage) ratio | 10.8053% | 2,307 |
| Tier 1 risk-based capital ratio | 13.0430% | 4,570 |
| Total risk-based capital ratio | 14.2984% | 4,525 |
| Memoranda: | ||
| Average total assets | $68,861,400 | 5,916 |
| Average earning assets | $63,738,600 | 5,866 |
| Average equity | $7,423,200 | 5,902 |
| Average total loans | $58,140,600 | 5,149 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0279% | 884 |
| Cost of funding earning assets | 1.6438% | 2,140 |
| Net interest margin | 4.3841% | 1,579 |
| Noninterest income to average assets | 0.5940% | 3,477 |
| Noninterest expense to average assets | 2.8335% | 4,334 |
| Loan and lease loss provision to assets | 0.2726% | 4,405 |
| Net operating income to assets | 1.5054% | 917 |
| Return on assets (ROA) | 1.5054% | 996 |
| Pretax return on assets | 1.5443% | 1,490 |
| Return on Equity (ROE) | 14.0467% | 1,025 |
| Retained earnings to average equity (ytd only) | 4.7428% | 3,165 |
| Net charge-offs to loans | 0.0275% | 6,292 |
| Credit loss provision to net charge-offs | 1,166.6667% | 250 |
| Earnings coverage of net charge-offs (x) | 77.7481% | 391 |
| Efficiency ratio | 60.9296% | 5,808 |
| Assets per employee ($millions) | 4.6712% | 2,649 |
| Cash dividends to net income (ytd only)* | 66.2355% | 1,023 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5338% | 3,810 |
| Loan loss allowance to noncurrent loans | 37.9440% | 5,799 |
| Noncurrent assets plus other real estate owned to assets | 3.8991% | 1,809 |
| Noncurrent loans to loans | 4.0422% | 1,847 |
| Net loans and leases to total assets | 83.1949% | 394 |
| Net loans and leases to deposits | 95.6391% | 1,029 |
| Net loans and leases to core deposits | 102.0089% | 1,653 |
| Total domestic deposits to total assets | 86.9884% | 2,537 |
| Equity capital to assets | 10.7082% | 3,282 |
| Core capital (leverage) ratio | 10.8171% | 2,401 |
| Tier 1 risk-based capital ratio | 12.3956% | 5,079 |
| Total risk-based capital ratio | 13.6480% | 5,050 |
| Memoranda: | ||
| Average total assets | $68,465,000 | 5,991 |
| Average earning assets | $63,348,500 | 5,938 |
| Average equity | $7,337,250 | 6,005 |
| Average total loans | $58,259,250 | 5,220 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9840% | 986 |
| Cost of funding earning assets | 1.7102% | 2,068 |
| Net interest margin | 4.2739% | 1,875 |
| Noninterest income to average assets | 0.6124% | 3,238 |
| Noninterest expense to average assets | 2.8411% | 4,309 |
| Loan and lease loss provision to assets | 0.2650% | 4,276 |
| Net operating income to assets | 1.4191% | 1,062 |
| Return on assets (ROA) | 1.4191% | 1,128 |
| Pretax return on assets | 1.4574% | 1,676 |
| Return on Equity (ROE) | 13.2381% | 1,188 |
| Retained earnings to average equity (ytd only) | 2.6916% | 4,429 |
| Net charge-offs to loans | 0.0414% | 5,795 |
| Credit loss provision to net charge-offs | 750.0000% | 495 |
| Earnings coverage of net charge-offs (x) | 48.7500% | 607 |
| Efficiency ratio | 62.2581% | 5,645 |
| Assets per employee ($millions) | 4.2318% | 3,331 |
| Cash dividends to net income (ytd only)* | 79.6680% | 775 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4536% | 4,159 |
| Loan loss allowance to noncurrent loans | 45.7112% | 5,254 |
| Noncurrent assets plus other real estate owned to assets | 3.2729% | 2,151 |
| Noncurrent loans to loans | 3.1800% | 2,517 |
| Net loans and leases to total assets | 85.9101% | 232 |
| Net loans and leases to deposits | 98.8260% | 811 |
| Net loans and leases to core deposits | 103.7695% | 1,665 |
| Total domestic deposits to total assets | 86.9306% | 2,565 |
| Equity capital to assets | 10.8495% | 3,027 |
| Core capital (leverage) ratio | 10.6815% | 2,475 |
| Tier 1 risk-based capital ratio | 12.0120% | 5,298 |
| Total risk-based capital ratio | 13.2642% | 5,262 |
| Memoranda: | ||
| Average total assets | $67,930,670 | 6,045 |
| Average earning assets | $62,800,330 | 5,993 |
| Average equity | $7,282,000 | 6,041 |
| Average total loans | $57,945,330 | 5,272 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7529% | 1,614 |
| Cost of funding earning assets | 1.7500% | 2,126 |
| Net interest margin | 4.0028% | 2,862 |
| Noninterest income to average assets | 0.6055% | 3,245 |
| Noninterest expense to average assets | 2.5984% | 5,365 |
| Loan and lease loss provision to assets | 0.2645% | 3,914 |
| Net operating income to assets | 1.3991% | 1,076 |
| Return on assets (ROA) | 1.3991% | 1,148 |
| Pretax return on assets | 1.4403% | 1,670 |
| Return on Equity (ROE) | 13.1310% | 1,229 |
| Retained earnings to average equity (ytd only) | -0.9931% | 6,047 |
| Net charge-offs to loans | -0.0209% | 7,086 |
| Credit loss provision to net charge-offs | -1,500.0000% | 6,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.3825% | 6,101 |
| Assets per employee ($millions) | 4.2396% | 3,395 |
| Cash dividends to net income (ytd only)* | 107.5630% | 520 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4540% | 4,158 |
| Loan loss allowance to noncurrent loans | 47.6136% | 5,163 |
| Noncurrent assets plus other real estate owned to assets | 3.0634% | 2,332 |
| Noncurrent loans to loans | 3.0538% | 2,623 |
| Net loans and leases to total assets | 82.7282% | 503 |
| Net loans and leases to deposits | 94.8916% | 1,246 |
| Net loans and leases to core deposits | 99.0032% | 2,233 |
| Total domestic deposits to total assets | 87.1818% | 2,534 |
| Equity capital to assets | 10.6659% | 3,073 |
| Core capital (leverage) ratio | 10.6918% | 2,455 |
| Tier 1 risk-based capital ratio | 12.0486% | 5,147 |
| Total risk-based capital ratio | 13.2996% | 5,112 |
| Memoranda: | ||
| Average total assets | $68,042,000 | 6,104 |
| Average earning assets | $62,855,500 | 6,054 |
| Average equity | $7,250,000 | 6,098 |
| Average total loans | $57,405,000 | 5,365 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2542% | 1,109 |
| Cost of funding earning assets | 2.0815% | 2,562 |
| Net interest margin | 4.1728% | 2,164 |
| Noninterest income to average assets | 0.5623% | 3,924 |
| Noninterest expense to average assets | 2.6898% | 5,438 |
| Loan and lease loss provision to assets | 0.2431% | 5,439 |
| Net operating income to assets | 1.4543% | 749 |
| Return on assets (ROA) | 1.4543% | 813 |
| Pretax return on assets | 1.4953% | 1,197 |
| Return on Equity (ROE) | 13.6879% | 837 |
| Retained earnings to average equity (ytd only) | 6.6508% | 1,093 |
| Net charge-offs to loans | 0.1007% | 6,129 |
| Credit loss provision to net charge-offs | 290.9091% | 1,147 |
| Earnings coverage of net charge-offs (x) | 20.8000% | 1,026 |
| Efficiency ratio | 60.7412% | 6,368 |
| Assets per employee ($millions) | 4.5501% | 2,836 |
| Cash dividends to net income (ytd only)* | 51.4107% | 2,403 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3480% | 4,494 |
| Loan loss allowance to noncurrent loans | 74.9280% | 3,662 |
| Noncurrent assets plus other real estate owned to assets | 1.8828% | 3,551 |
| Noncurrent loans to loans | 1.7990% | 3,933 |
| Net loans and leases to total assets | 83.6398% | 475 |
| Net loans and leases to deposits | 97.6162% | 1,146 |
| Net loans and leases to core deposits | 117.5847% | 2,171 |
| Total domestic deposits to total assets | 85.6823% | 3,177 |
| Equity capital to assets | 10.6445% | 3,032 |
| Core capital (leverage) ratio | 10.6445% | 2,478 |
| Tier 1 risk-based capital ratio | 11.8794% | 5,051 |
| Total risk-based capital ratio | 13.1296% | 5,014 |
| Memoranda: | ||
| Average total assets | $65,804,200 | 6,144 |
| Average earning assets | $60,966,800 | 6,091 |
| Average equity | $6,991,600 | 6,272 |
| Average total loans | $54,638,200 | 5,478 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2046% | 1,369 |
| Cost of funding earning assets | 2.1196% | 2,803 |
| Net interest margin | 4.0850% | 2,459 |
| Noninterest income to average assets | 0.5665% | 3,956 |
| Noninterest expense to average assets | 2.6914% | 5,367 |
| Loan and lease loss provision to assets | 0.2352% | 5,090 |
| Net operating income to assets | 1.3968% | 1,036 |
| Return on assets (ROA) | 1.3968% | 1,098 |
| Pretax return on assets | 1.4316% | 1,621 |
| Return on Equity (ROE) | 13.1534% | 1,081 |
| Retained earnings to average equity (ytd only) | 3.6783% | 3,235 |
| Net charge-offs to loans | 0.0718% | 5,971 |
| Credit loss provision to net charge-offs | 396.5517% | 1,005 |
| Earnings coverage of net charge-offs (x) | 28.1003% | 974 |
| Efficiency ratio | 61.7550% | 6,156 |
| Assets per employee ($millions) | 4.5818% | 2,726 |
| Cash dividends to net income (ytd only)* | 72.0351% | 1,204 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3246% | 4,356 |
| Loan loss allowance to noncurrent loans | 60.3489% | 4,346 |
| Noncurrent assets plus other real estate owned to assets | 1.8348% | 3,602 |
| Noncurrent loans to loans | 2.1949% | 3,383 |
| Net loans and leases to total assets | 82.4858% | 743 |
| Net loans and leases to deposits | 94.3026% | 1,835 |
| Net loans and leases to core deposits | 116.2586% | 2,595 |
| Total domestic deposits to total assets | 87.4693% | 1,906 |
| Equity capital to assets | 10.1969% | 3,850 |
| Core capital (leverage) ratio | 10.2363% | 3,031 |
| Tier 1 risk-based capital ratio | 11.5350% | 5,397 |
| Total risk-based capital ratio | 12.7852% | 5,352 |
| Memoranda: | ||
| Average total assets | $65,192,500 | 6,203 |
| Average earning assets | $60,512,750 | 6,155 |
| Average equity | $6,923,250 | 6,343 |
| Average total loans | $53,831,500 | 5,562 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2285% | 1,384 |
| Cost of funding earning assets | 2.1504% | 3,041 |
| Net interest margin | 4.0781% | 2,398 |
| Noninterest income to average assets | 0.5530% | 4,014 |
| Noninterest expense to average assets | 2.7775% | 5,056 |
| Loan and lease loss provision to assets | 0.2187% | 4,852 |
| Net operating income to assets | 1.2966% | 1,236 |
| Return on assets (ROA) | 1.2966% | 1,321 |
| Pretax return on assets | 1.3310% | 1,932 |
| Return on Equity (ROE) | 12.0377% | 1,399 |
| Retained earnings to average equity (ytd only) | 1.4793% | 4,502 |
| Net charge-offs to loans | 0.0950% | 5,227 |
| Credit loss provision to net charge-offs | 280.0000% | 1,668 |
| Earnings coverage of net charge-offs (x) | 19.8400% | 1,341 |
| Efficiency ratio | 64.1877% | 5,877 |
| Assets per employee ($millions) | 4.4874% | 2,793 |
| Cash dividends to net income (ytd only)* | 87.7108% | 931 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3157% | 4,185 |
| Loan loss allowance to noncurrent loans | 70.6575% | 3,908 |
| Noncurrent assets plus other real estate owned to assets | 1.5139% | 3,955 |
| Noncurrent loans to loans | 1.8621% | 3,712 |
| Net loans and leases to total assets | 80.2306% | 1,271 |
| Net loans and leases to deposits | 91.7593% | 2,510 |
| Net loans and leases to core deposits | 114.0576% | 2,903 |
| Total domestic deposits to total assets | 87.4359% | 2,039 |
| Equity capital to assets | 10.2212% | 3,698 |
| Core capital (leverage) ratio | 10.4019% | 2,902 |
| Tier 1 risk-based capital ratio | 12.1682% | 4,786 |
| Total risk-based capital ratio | 13.4195% | 4,695 |
| Memoranda: | ||
| Average total assets | $64,014,330 | 6,302 |
| Average earning assets | $59,244,000 | 6,266 |
| Average equity | $6,895,000 | 6,404 |
| Average total loans | $52,625,000 | 5,653 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4027% | 1,059 |
| Cost of funding earning assets | 2.1319% | 3,506 |
| Net interest margin | 4.2707% | 1,672 |
| Noninterest income to average assets | 0.5131% | 4,202 |
| Noninterest expense to average assets | 2.6489% | 5,225 |
| Loan and lease loss provision to assets | 0.1924% | 4,513 |
| Net operating income to assets | 1.5970% | 790 |
| Return on assets (ROA) | 1.5970% | 864 |
| Pretax return on assets | 1.6291% | 1,335 |
| Return on Equity (ROE) | 14.4296% | 1,084 |
| Retained earnings to average equity (ytd only) | 7.0120% | 2,204 |
| Net charge-offs to loans | 0.1241% | 3,973 |
| Credit loss provision to net charge-offs | 187.5000% | 2,334 |
| Earnings coverage of net charge-offs (x) | 17.7500% | 1,496 |
| Efficiency ratio | 59.2539% | 6,516 |
| Assets per employee ($millions) | 4.2426% | 3,187 |
| Cash dividends to net income (ytd only)* | 51.4056% | 1,716 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2903% | 4,124 |
| Loan loss allowance to noncurrent loans | 90.6579% | 3,312 |
| Noncurrent assets plus other real estate owned to assets | 1.1942% | 4,283 |
| Noncurrent loans to loans | 1.4232% | 4,172 |
| Net loans and leases to total assets | 82.8266% | 880 |
| Net loans and leases to deposits | 97.0022% | 1,799 |
| Net loans and leases to core deposits | 116.9099% | 2,689 |
| Total domestic deposits to total assets | 85.3863% | 3,020 |
| Equity capital to assets | 10.9257% | 3,034 |
| Core capital (leverage) ratio | 11.1052% | 2,423 |
| Tier 1 risk-based capital ratio | 12.6124% | 4,462 |
| Total risk-based capital ratio | 13.8632% | 4,383 |
| Memoranda: | ||
| Average total assets | $62,366,000 | 6,384 |
| Average earning assets | $57,788,500 | 6,348 |
| Average equity | $6,902,500 | 6,445 |
| Average total loans | $51,575,500 | 5,735 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9369% | 1,290 |
| Cost of funding earning assets | 2.6966% | 3,170 |
| Net interest margin | 4.2404% | 2,157 |
| Noninterest income to average assets | 0.6062% | 3,799 |
| Noninterest expense to average assets | 2.8892% | 4,487 |
| Loan and lease loss provision to assets | 0.0346% | 6,973 |
| Net operating income to assets | 1.5468% | 933 |
| Return on assets (ROA) | 1.5468% | 900 |
| Pretax return on assets | 1.5884% | 1,418 |
| Return on Equity (ROE) | 13.6837% | 1,166 |
| Retained earnings to average equity (ytd only) | 6.7576% | 1,239 |
| Net charge-offs to loans | 0.0133% | 6,721 |
| Credit loss provision to net charge-offs | 333.3333% | 1,353 |
| Earnings coverage of net charge-offs (x) | 156.1667% | 293 |
| Efficiency ratio | 64.0307% | 5,551 |
| Assets per employee ($millions) | 4.0729% | 3,362 |
| Cash dividends to net income (ytd only)* | 50.6159% | 3,091 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3567% | 3,438 |
| Loan loss allowance to noncurrent loans | 151.0067% | 2,456 |
| Noncurrent assets plus other real estate owned to assets | 0.7317% | 5,033 |
| Noncurrent loans to loans | 0.8985% | 4,828 |
| Net loans and leases to total assets | 80.3316% | 1,582 |
| Net loans and leases to deposits | 95.3155% | 2,560 |
| Net loans and leases to core deposits | 114.2681% | 3,308 |
| Total domestic deposits to total assets | 84.2797% | 3,188 |
| Equity capital to assets | 11.2157% | 2,872 |
| Core capital (leverage) ratio | 11.4082% | 2,305 |
| Tier 1 risk-based capital ratio | 13.2818% | 3,947 |
| Total risk-based capital ratio | 14.5322% | 3,856 |
| Memoranda: | ||
| Average total assets | $57,732,600 | 6,464 |
| Average earning assets | $53,179,000 | 6,458 |
| Average equity | $6,526,000 | 6,634 |
| Average total loans | $45,057,200 | 5,926 |