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 | 4.8123% | 3,431 |
| Cost of funding earning assets | 2.5788% | 741 |
| Net interest margin | 2.2335% | 4,200 |
| Noninterest income to average assets | 0.0300% | 4,340 |
| Noninterest expense to average assets | 0.8998% | 4,395 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | 1.0497% | 2,139 |
| Return on assets (ROA) | 1.0497% | 2,139 |
| Pretax return on assets | 1.2747% | 2,042 |
| Return on Equity (ROE) | 4.3900% | 3,650 |
| Retained earnings to average equity (ytd only) | 4.3899% | 2,743 |
| Net charge-offs to loans | 0.0000% | 2,326 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 41.3793% | 4,249 |
| Assets per employee ($millions) | 18.3473% | 124 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2931% | 1,732 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,773 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,816 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 25.1700% | 4,253 |
| Net loans and leases to deposits | 36.3486% | 4,188 |
| Net loans and leases to core deposits | 40.9452% | 4,149 |
| Total domestic deposits to total assets | 69.2500% | 4,206 |
| Equity capital to assets | 24.7912% | 198 |
| Core capital (leverage) ratio | 28.5512% | 126 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $74,687,000 | 4,001 |
| Average earning assets | $71,815,500 | 3,951 |
| Average equity | $17,859,000 | 3,158 |
| Average total loans | $19,216,000 | 4,216 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7376% | 3,532 |
| Cost of funding earning assets | 2.8578% | 633 |
| Net interest margin | 1.8798% | 4,304 |
| Noninterest income to average assets | 0.0200% | 4,417 |
| Noninterest expense to average assets | 1.4770% | 4,274 |
| Loan and lease loss provision to assets | 0.0000% | 3,171 |
| Net operating income to assets | 0.2756% | 3,877 |
| Return on assets (ROA) | 0.2756% | 3,907 |
| Pretax return on assets | 0.3543% | 3,865 |
| Return on Equity (ROE) | 1.1500% | 4,090 |
| Retained earnings to average equity (ytd only) | 1.1508% | 3,636 |
| Net charge-offs to loans | -0.0111% | 4,050 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 80.6523% | 1,000 |
| Assets per employee ($millions) | 18.9963% | 119 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2273% | 2,031 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,770 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,816 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 25.6300% | 4,272 |
| Net loans and leases to deposits | 38.6298% | 4,182 |
| Net loans and leases to core deposits | 44.3362% | 4,126 |
| Total domestic deposits to total assets | 66.3500% | 4,272 |
| Equity capital to assets | 23.0624% | 223 |
| Core capital (leverage) ratio | 27.7609% | 129 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $73,662,000 | 4,011 |
| Average earning assets | $70,964,400 | 3,963 |
| Average equity | $17,640,200 | 3,128 |
| Average total loans | $18,052,200 | 4,240 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6996% | 3,553 |
| Cost of funding earning assets | 2.8546% | 643 |
| Net interest margin | 1.8450% | 4,335 |
| Noninterest income to average assets | 0.0200% | 4,441 |
| Noninterest expense to average assets | 0.8976% | 4,443 |
| Loan and lease loss provision to assets | 0.0000% | 3,009 |
| Net operating income to assets | 0.7553% | 2,828 |
| Return on assets (ROA) | 0.7553% | 2,837 |
| Pretax return on assets | 0.9031% | 2,792 |
| Return on Equity (ROE) | 3.1200% | 3,868 |
| Retained earnings to average equity (ytd only) | 3.1240% | 3,134 |
| Net charge-offs to loans | 0.0000% | 2,849 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 49.8480% | 4,000 |
| Assets per employee ($millions) | 18.8833% | 120 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3342% | 1,577 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,813 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,861 |
| Noncurrent loans to loans | 0.0000% | 3,830 |
| Net loans and leases to total assets | 23.5000% | 4,325 |
| Net loans and leases to deposits | 36.3763% | 4,245 |
| Net loans and leases to core deposits | 41.0919% | 4,210 |
| Total domestic deposits to total assets | 64.5900% | 4,319 |
| Equity capital to assets | 24.8302% | 191 |
| Core capital (leverage) ratio | 27.7576% | 125 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 36.1138% | 179 |
| Memoranda: | ||
| Average total assets | $73,081,250 | 4,037 |
| Average earning assets | $70,387,750 | 3,990 |
| Average equity | $17,669,250 | 3,120 |
| Average total loans | $17,635,750 | 4,270 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6600% | 3,538 |
| Cost of funding earning assets | 2.7925% | 669 |
| Net interest margin | 1.8674% | 4,341 |
| Noninterest income to average assets | 0.0200% | 4,460 |
| Noninterest expense to average assets | 0.9465% | 4,461 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 0.7334% | 2,846 |
| Return on assets (ROA) | 0.7334% | 2,857 |
| Pretax return on assets | 0.8773% | 2,812 |
| Return on Equity (ROE) | 3.0600% | 3,876 |
| Retained earnings to average equity (ytd only) | 3.0623% | 3,024 |
| Net charge-offs to loans | 0.0000% | 2,619 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 51.8968% | 3,906 |
| Assets per employee ($millions) | 18.5228% | 115 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3519% | 1,538 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,808 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,854 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 23.6400% | 4,343 |
| Net loans and leases to deposits | 36.2460% | 4,264 |
| Net loans and leases to core deposits | 40.2265% | 4,231 |
| Total domestic deposits to total assets | 65.2100% | 4,320 |
| Equity capital to assets | 23.5818% | 206 |
| Core capital (leverage) ratio | 29.4971% | 115 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $72,264,000 | 4,060 |
| Average earning assets | $69,614,333 | 4,016 |
| Average equity | $17,307,333 | 3,129 |
| Average total loans | $17,518,333 | 4,290 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6630% | 3,413 |
| Cost of funding earning assets | 2.8700% | 533 |
| Net interest margin | 1.7930% | 4,393 |
| Noninterest income to average assets | 0.0200% | 4,459 |
| Noninterest expense to average assets | 0.9026% | 4,493 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 0.7064% | 2,828 |
| Return on assets (ROA) | 0.7064% | 2,845 |
| Pretax return on assets | 0.8465% | 2,811 |
| Return on Equity (ROE) | 2.9300% | 3,866 |
| Retained earnings to average equity (ytd only) | 2.9260% | 2,992 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 51.6026% | 3,930 |
| Assets per employee ($millions) | 17.4848% | 142 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5877% | 875 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,825 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,894 |
| Noncurrent loans to loans | 0.0000% | 3,844 |
| Net loans and leases to total assets | 21.1800% | 4,375 |
| Net loans and leases to deposits | 30.1287% | 4,346 |
| Net loans and leases to core deposits | 33.3438% | 4,364 |
| Total domestic deposits to total assets | 70.3000% | 4,278 |
| Equity capital to assets | 24.6672% | 195 |
| Core capital (leverage) ratio | 29.3765% | 120 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 36.9426% | 171 |
| Memoranda: | ||
| Average total assets | $71,350,500 | 4,090 |
| Average earning assets | $68,711,000 | 4,050 |
| Average equity | $17,225,000 | 3,154 |
| Average total loans | $17,401,000 | 4,315 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5353% | 3,038 |
| Cost of funding earning assets | 2.1625% | 689 |
| Net interest margin | 2.3728% | 4,205 |
| Noninterest income to average assets | 0.0200% | 4,491 |
| Noninterest expense to average assets | 1.5426% | 4,299 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.5726% | 3,506 |
| Return on assets (ROA) | 0.6113% | 3,399 |
| Pretax return on assets | 0.8045% | 3,203 |
| Return on Equity (ROE) | 2.5600% | 4,089 |
| Retained earnings to average equity (ytd only) | 2.5635% | 3,420 |
| Net charge-offs to loans | 0.0601% | 1,249 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 47.6364% | 1,325 |
| Efficiency ratio | 67.1267% | 2,218 |
| Assets per employee ($millions) | 18.1905% | 125 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2102% | 2,236 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 26.8100% | 4,346 |
| Net loans and leases to deposits | 40.6069% | 4,185 |
| Net loans and leases to core deposits | 45.3247% | 4,170 |
| Total domestic deposits to total assets | 66.0300% | 4,377 |
| Equity capital to assets | 23.6360% | 213 |
| Core capital (leverage) ratio | 29.3108% | 121 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $69,361,800 | 4,117 |
| Average earning assets | $66,588,600 | 4,073 |
| Average equity | $16,539,600 | 3,134 |
| Average total loans | $18,308,600 | 4,318 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4281% | 3,043 |
| Cost of funding earning assets | 1.9696% | 743 |
| Net interest margin | 2.4585% | 4,183 |
| Noninterest income to average assets | 0.0200% | 4,512 |
| Noninterest expense to average assets | 0.9108% | 4,529 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.1949% | 1,812 |
| Return on assets (ROA) | 1.1949% | 1,798 |
| Pretax return on assets | 1.4693% | 1,633 |
| Return on Equity (ROE) | 5.0000% | 3,803 |
| Retained earnings to average equity (ytd only) | 4.9994% | 2,930 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 38.2666% | 4,407 |
| Assets per employee ($millions) | 17.6310% | 124 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3429% | 1,683 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 26.0400% | 4,381 |
| Net loans and leases to deposits | 39.4116% | 4,219 |
| Net loans and leases to core deposits | 43.4742% | 4,185 |
| Total domestic deposits to total assets | 66.0800% | 4,407 |
| Equity capital to assets | 22.6150% | 222 |
| Core capital (leverage) ratio | 30.1754% | 121 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 35.9261% | 183 |
| Memoranda: | ||
| Average total assets | $68,511,750 | 4,144 |
| Average earning assets | $65,730,500 | 4,103 |
| Average equity | $16,375,000 | 3,138 |
| Average total loans | $17,948,500 | 4,343 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3057% | 3,093 |
| Cost of funding earning assets | 1.7652% | 792 |
| Net interest margin | 2.5405% | 4,170 |
| Noninterest income to average assets | 0.0300% | 4,529 |
| Noninterest expense to average assets | 0.9817% | 4,553 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.2087% | 1,813 |
| Return on assets (ROA) | 1.2087% | 1,799 |
| Pretax return on assets | 1.4888% | 1,622 |
| Return on Equity (ROE) | 4.9600% | 3,880 |
| Retained earnings to average equity (ytd only) | 4.9646% | 2,947 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 39.7375% | 4,402 |
| Assets per employee ($millions) | 13.6134% | 256 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4899% | 1,212 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 24.2800% | 4,417 |
| Net loans and leases to deposits | 36.4033% | 4,288 |
| Net loans and leases to core deposits | 39.8640% | 4,263 |
| Total domestic deposits to total assets | 66.7100% | 4,427 |
| Equity capital to assets | 24.2790% | 203 |
| Core capital (leverage) ratio | 30.7346% | 116 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 36.5367% | 169 |
| Memoranda: | ||
| Average total assets | $67,841,000 | 4,166 |
| Average earning assets | $65,261,667 | 4,128 |
| Average equity | $16,517,000 | 3,141 |
| Average total loans | $17,725,667 | 4,366 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1424% | 3,154 |
| Cost of funding earning assets | 1.5687% | 739 |
| Net interest margin | 2.5737% | 4,234 |
| Noninterest income to average assets | 0.0200% | 4,597 |
| Noninterest expense to average assets | 0.9568% | 4,632 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.2521% | 1,793 |
| Return on assets (ROA) | 1.2521% | 1,765 |
| Pretax return on assets | 1.5474% | 1,579 |
| Return on Equity (ROE) | 5.1400% | 3,870 |
| Retained earnings to average equity (ytd only) | 5.1355% | 2,998 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 38.2075% | 4,485 |
| Assets per employee ($millions) | 13.3418% | 287 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5277% | 1,179 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 24.1600% | 4,475 |
| Net loans and leases to deposits | 35.7143% | 4,335 |
| Net loans and leases to core deposits | 39.0600% | 4,293 |
| Total domestic deposits to total assets | 67.6400% | 4,463 |
| Equity capital to assets | 25.1915% | 151 |
| Core capital (leverage) ratio | 30.7317% | 123 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $67,728,000 | 4,226 |
| Average earning assets | $65,275,500 | 4,182 |
| Average equity | $16,512,500 | 3,173 |
| Average total loans | $18,198,500 | 4,418 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4768% | 3,140 |
| Cost of funding earning assets | 0.5117% | 1,311 |
| Net interest margin | 2.9651% | 3,531 |
| Noninterest income to average assets | 0.0200% | 4,633 |
| Noninterest expense to average assets | 1.6391% | 4,262 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.9714% | 2,668 |
| Return on assets (ROA) | 0.9813% | 2,586 |
| Pretax return on assets | 1.2717% | 2,198 |
| Return on Equity (ROE) | 3.5800% | 4,228 |
| Retained earnings to average equity (ytd only) | 3.5760% | 3,545 |
| Net charge-offs to loans | -0.1075% | 4,529 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 56.5547% | 3,522 |
| Assets per employee ($millions) | 17.1868% | 138 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2480% | 2,166 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 28.7800% | 4,414 |
| Net loans and leases to deposits | 45.4508% | 4,069 |
| Net loans and leases to core deposits | 48.0204% | 4,055 |
| Total domestic deposits to total assets | 63.3100% | 4,551 |
| Equity capital to assets | 23.5938% | 166 |
| Core capital (leverage) ratio | 31.5932% | 120 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $63,691,800 | 4,298 |
| Average earning assets | $61,751,800 | 4,241 |
| Average equity | $17,477,400 | 3,163 |
| Average total loans | $18,608,600 | 4,432 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4040% | 2,910 |
| Cost of funding earning assets | 0.3785% | 1,457 |
| Net interest margin | 3.0256% | 3,153 |
| Noninterest income to average assets | 0.0300% | 4,652 |
| Noninterest expense to average assets | 0.9718% | 4,683 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.6031% | 653 |
| Return on assets (ROA) | 1.6168% | 612 |
| Pretax return on assets | 2.0119% | 455 |
| Return on Equity (ROE) | 5.6700% | 3,857 |
| Retained earnings to average equity (ytd only) | 5.6729% | 2,867 |
| Net charge-offs to loans | -0.1461% | 4,584 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 32.7574% | 4,675 |
| Assets per employee ($millions) | 15.2050% | 196 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4829% | 1,340 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 27.3100% | 4,476 |
| Net loans and leases to deposits | 39.8011% | 4,242 |
| Net loans and leases to core deposits | 42.2470% | 4,215 |
| Total domestic deposits to total assets | 68.6100% | 4,555 |
| Equity capital to assets | 26.4716% | 130 |
| Core capital (leverage) ratio | 33.5342% | 108 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $62,428,000 | 4,348 |
| Average earning assets | $60,593,250 | 4,286 |
| Average equity | $17,791,750 | 3,176 |
| Average total loans | $18,252,750 | 4,467 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3119% | 2,701 |
| Cost of funding earning assets | 0.3393% | 1,368 |
| Net interest margin | 2.9726% | 2,967 |
| Noninterest income to average assets | 0.0381% | 4,668 |
| Noninterest expense to average assets | 0.9656% | 4,704 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.5806% | 573 |
| Return on assets (ROA) | 1.6009% | 531 |
| Pretax return on assets | 1.9916% | 386 |
| Return on Equity (ROE) | 5.4915% | 3,709 |
| Retained earnings to average equity (ytd only) | 5.4915% | 2,518 |
| Net charge-offs to loans | -0.2137% | 4,601 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 32.9361% | 4,697 |
| Assets per employee ($millions) | 15.1923% | 193 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3220% | 2,087 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 30.7081% | 4,440 |
| Net loans and leases to deposits | 42.7975% | 4,166 |
| Net loans and leases to core deposits | 44.9295% | 4,159 |
| Total domestic deposits to total assets | 71.7520% | 4,587 |
| Equity capital to assets | 28.0061% | 70 |
| Core capital (leverage) ratio | 32.3838% | 64 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 35.7278% | 153 |
| Memoranda: | ||
| Average total assets | $62,964,000 | 4,384 |
| Average earning assets | $61,294,000 | 4,334 |
| Average equity | $18,355,667 | 3,198 |
| Average total loans | $18,717,333 | 4,524 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1819% | 2,742 |
| Cost of funding earning assets | 0.3386% | 1,299 |
| Net interest margin | 2.8432% | 3,004 |
| Noninterest income to average assets | 0.0562% | 4,646 |
| Noninterest expense to average assets | 0.9179% | 4,739 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.5485% | 576 |
| Return on assets (ROA) | 1.5485% | 570 |
| Pretax return on assets | 1.9169% | 428 |
| Return on Equity (ROE) | 5.2145% | 3,564 |
| Retained earnings to average equity (ytd only) | 5.2145% | 2,507 |
| Net charge-offs to loans | -0.4296% | 4,700 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 32.3789% | 4,725 |
| Assets per employee ($millions) | 15.7813% | 176 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3248% | 2,240 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 29.4986% | 4,457 |
| Net loans and leases to deposits | 41.6344% | 4,175 |
| Net loans and leases to core deposits | 43.6518% | 4,179 |
| Total domestic deposits to total assets | 70.8515% | 4,646 |
| Equity capital to assets | 28.9283% | 65 |
| Core capital (leverage) ratio | 29.9950% | 61 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 35.8112% | 149 |
| Memoranda: | ||
| Average total assets | $64,061,500 | 4,390 |
| Average earning assets | $62,605,000 | 4,341 |
| Average equity | $19,024,000 | 3,237 |
| Average total loans | $18,620,500 | 4,543 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3184% | 3,151 |
| Cost of funding earning assets | 0.4231% | 1,369 |
| Net interest margin | 2.8953% | 3,453 |
| Noninterest income to average assets | 0.0156% | 4,776 |
| Noninterest expense to average assets | 1.6638% | 4,346 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.9092% | 3,001 |
| Return on assets (ROA) | 0.9092% | 3,068 |
| Pretax return on assets | 1.1529% | 2,808 |
| Return on Equity (ROE) | 2.9157% | 4,370 |
| Retained earnings to average equity (ytd only) | 2.8756% | 3,690 |
| Net charge-offs to loans | 0.0057% | 2,377 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 738.0000% | 199 |
| Efficiency ratio | 59.0682% | 3,288 |
| Assets per employee ($millions) | 12.9996% | 319 |
| Cash dividends to net income (ytd only)* | 1.3746% | 3,576 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2520% | 2,616 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 27.9086% | 4,570 |
| Net loans and leases to deposits | 40.2950% | 4,330 |
| Net loans and leases to core deposits | 42.5992% | 4,322 |
| Total domestic deposits to total assets | 69.2606% | 4,700 |
| Equity capital to assets | 30.4425% | 60 |
| Core capital (leverage) ratio | 30.0793% | 61 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $64,012,000 | 4,402 |
| Average earning assets | $61,928,000 | 4,364 |
| Average equity | $19,960,800 | 3,223 |
| Average total loans | $17,454,000 | 4,607 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3808% | 3,157 |
| Cost of funding earning assets | 0.4467% | 1,378 |
| Net interest margin | 2.9341% | 3,470 |
| Noninterest income to average assets | 0.0167% | 4,852 |
| Noninterest expense to average assets | 1.0267% | 4,835 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.4616% | 1,354 |
| Return on assets (ROA) | 1.4616% | 1,411 |
| Pretax return on assets | 1.8191% | 1,118 |
| Return on Equity (ROE) | 4.6589% | 4,194 |
| Retained earnings to average equity (ytd only) | 4.6056% | 3,368 |
| Net charge-offs to loans | 0.0077% | 2,028 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 870.0000% | 189 |
| Efficiency ratio | 36.0764% | 4,809 |
| Assets per employee ($millions) | 15.8718% | 174 |
| Cash dividends to net income (ytd only)* | 1.1445% | 3,221 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3561% | 2,196 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 26.3534% | 4,694 |
| Net loans and leases to deposits | 39.0610% | 4,486 |
| Net loans and leases to core deposits | 41.4144% | 4,471 |
| Total domestic deposits to total assets | 67.4674% | 4,783 |
| Equity capital to assets | 31.9782% | 55 |
| Core capital (leverage) ratio | 30.5656% | 63 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 38.2596% | 140 |
| Memoranda: | ||
| Average total assets | $63,765,500 | 4,466 |
| Average earning assets | $61,482,500 | 4,429 |
| Average equity | $20,004,250 | 3,250 |
| Average total loans | $17,225,000 | 4,677 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4477% | 3,034 |
| Cost of funding earning assets | 0.4666% | 1,409 |
| Net interest margin | 2.9811% | 3,374 |
| Noninterest income to average assets | 0.0188% | 4,887 |
| Noninterest expense to average assets | 1.0210% | 4,869 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.5096% | 1,263 |
| Return on assets (ROA) | 1.5096% | 1,330 |
| Pretax return on assets | 1.8792% | 1,060 |
| Return on Equity (ROE) | 4.8430% | 4,157 |
| Retained earnings to average equity (ytd only) | 4.7626% | 3,276 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 35.2052% | 4,855 |
| Assets per employee ($millions) | 15.8740% | 171 |
| Cash dividends to net income (ytd only)* | 1.6598% | 3,067 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3477% | 2,202 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 26.6300% | 4,733 |
| Net loans and leases to deposits | 39.2439% | 4,540 |
| Net loans and leases to core deposits | 41.5863% | 4,529 |
| Total domestic deposits to total assets | 67.8578% | 4,794 |
| Equity capital to assets | 31.6114% | 56 |
| Core capital (leverage) ratio | 30.1732% | 63 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 37.3507% | 155 |
| Memoranda: | ||
| Average total assets | $63,858,333 | 4,492 |
| Average earning assets | $61,723,000 | 4,451 |
| Average equity | $19,905,000 | 3,251 |
| Average total loans | $17,313,000 | 4,710 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4085% | 3,171 |
| Cost of funding earning assets | 0.5026% | 1,378 |
| Net interest margin | 2.9059% | 3,500 |
| Noninterest income to average assets | 0.0312% | 4,888 |
| Noninterest expense to average assets | 0.9869% | 4,909 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.4991% | 1,334 |
| Return on assets (ROA) | 1.4991% | 1,398 |
| Pretax return on assets | 1.8614% | 1,175 |
| Return on Equity (ROE) | 4.8432% | 4,123 |
| Retained earnings to average equity (ytd only) | 4.6818% | 3,322 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 34.6491% | 4,865 |
| Assets per employee ($millions) | 16.0398% | 163 |
| Cash dividends to net income (ytd only)* | 3.3333% | 2,371 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3889% | 2,010 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 25.5631% | 4,792 |
| Net loans and leases to deposits | 37.1837% | 4,654 |
| Net loans and leases to core deposits | 39.3460% | 4,639 |
| Total domestic deposits to total assets | 68.7480% | 4,792 |
| Equity capital to assets | 30.6925% | 62 |
| Core capital (leverage) ratio | 29.6662% | 63 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $64,039,500 | 4,508 |
| Average earning assets | $62,081,000 | 4,459 |
| Average equity | $19,821,500 | 3,253 |
| Average total loans | $17,399,500 | 4,739 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9111% | 2,995 |
| Cost of funding earning assets | 0.9372% | 751 |
| Net interest margin | 2.9738% | 3,954 |
| Noninterest income to average assets | 0.0211% | 4,917 |
| Noninterest expense to average assets | 1.7071% | 4,612 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.9356% | 2,538 |
| Return on assets (ROA) | 0.9421% | 2,664 |
| Pretax return on assets | 1.1824% | 2,392 |
| Return on Equity (ROE) | 3.0193% | 4,374 |
| Retained earnings to average equity (ytd only) | 2.9829% | 3,365 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.2446% | 3,560 |
| Assets per employee ($millions) | 12.7840% | 277 |
| Cash dividends to net income (ytd only)* | 1.2069% | 3,717 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2715% | 2,564 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 28.0601% | 4,792 |
| Net loans and leases to deposits | 41.2426% | 4,627 |
| Net loans and leases to core deposits | 43.9910% | 4,598 |
| Total domestic deposits to total assets | 68.0366% | 4,816 |
| Equity capital to assets | 31.2125% | 59 |
| Core capital (leverage) ratio | 29.0643% | 65 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $61,567,800 | 4,495 |
| Average earning assets | $59,216,800 | 4,449 |
| Average equity | $19,209,600 | 3,258 |
| Average total loans | $20,745,400 | 4,695 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0214% | 2,909 |
| Cost of funding earning assets | 1.0133% | 726 |
| Net interest margin | 3.0081% | 3,956 |
| Noninterest income to average assets | 0.0241% | 4,945 |
| Noninterest expense to average assets | 1.1894% | 4,941 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 1.3883% | 1,128 |
| Return on assets (ROA) | 1.3972% | 1,207 |
| Pretax return on assets | 1.7273% | 913 |
| Return on Equity (ROE) | 4.4784% | 4,034 |
| Retained earnings to average equity (ytd only) | 4.4293% | 2,837 |
| Net charge-offs to loans | 0.0125% | 2,659 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 392.5000% | 290 |
| Efficiency ratio | 40.9330% | 4,872 |
| Assets per employee ($millions) | 12.5994% | 289 |
| Cash dividends to net income (ytd only)* | 1.0955% | 3,320 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0443% | 3,499 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 34.4461% | 4,725 |
| Net loans and leases to deposits | 50.9210% | 4,456 |
| Net loans and leases to core deposits | 54.0945% | 4,444 |
| Total domestic deposits to total assets | 67.6461% | 4,821 |
| Equity capital to assets | 31.5777% | 58 |
| Core capital (leverage) ratio | 30.2523% | 61 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $60,979,750 | 4,521 |
| Average earning assets | $58,419,250 | 4,477 |
| Average equity | $19,024,250 | 3,274 |
| Average total loans | $21,390,000 | 4,718 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0530% | 3,184 |
| Cost of funding earning assets | 1.0764% | 775 |
| Net interest margin | 2.9766% | 4,177 |
| Noninterest income to average assets | 0.0265% | 4,961 |
| Noninterest expense to average assets | 1.2171% | 4,971 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.3496% | 1,221 |
| Return on assets (ROA) | 1.3630% | 1,286 |
| Pretax return on assets | 1.6781% | 1,040 |
| Return on Equity (ROE) | 4.3876% | 3,997 |
| Retained earnings to average equity (ytd only) | 4.3129% | 2,775 |
| Net charge-offs to loans | -0.0189% | 4,388 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.2811% | 4,856 |
| Assets per employee ($millions) | 12.4746% | 284 |
| Cash dividends to net income (ytd only)* | 1.7032% | 3,166 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1668% | 2,690 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 31.6419% | 4,826 |
| Net loans and leases to deposits | 46.7014% | 4,632 |
| Net loans and leases to core deposits | 49.3190% | 4,633 |
| Total domestic deposits to total assets | 67.7537% | 4,846 |
| Equity capital to assets | 31.5008% | 57 |
| Core capital (leverage) ratio | 30.9480% | 62 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $60,307,333 | 4,538 |
| Average earning assets | $57,784,333 | 4,496 |
| Average equity | $18,734,667 | 3,297 |
| Average total loans | $21,210,333 | 4,746 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1763% | 3,301 |
| Cost of funding earning assets | 1.1562% | 888 |
| Net interest margin | 3.0201% | 4,249 |
| Noninterest income to average assets | 0.0405% | 4,988 |
| Noninterest expense to average assets | 1.2484% | 5,019 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.3831% | 1,031 |
| Return on assets (ROA) | 1.4104% | 1,035 |
| Pretax return on assets | 1.7343% | 811 |
| Return on Equity (ROE) | 4.5738% | 3,793 |
| Retained earnings to average equity (ytd only) | 4.4206% | 2,527 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.3341% | 4,934 |
| Assets per employee ($millions) | 9.7515% | 417 |
| Cash dividends to net income (ytd only)* | 3.3493% | 2,554 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2014% | 2,665 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 32.4685% | 4,856 |
| Net loans and leases to deposits | 46.9676% | 4,694 |
| Net loans and leases to core deposits | 49.2354% | 4,694 |
| Total domestic deposits to total assets | 69.1295% | 4,888 |
| Equity capital to assets | 30.4466% | 66 |
| Core capital (leverage) ratio | 30.7964% | 65 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 39.4136% | 153 |
| Memoranda: | ||
| Average total assets | $59,274,500 | 4,567 |
| Average earning assets | $57,084,000 | 4,526 |
| Average equity | $18,278,000 | 3,348 |
| Average total loans | $21,831,000 | 4,768 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3115% | 3,506 |
| Cost of funding earning assets | 1.1640% | 1,113 |
| Net interest margin | 3.1476% | 4,292 |
| Noninterest income to average assets | 0.1150% | 4,883 |
| Noninterest expense to average assets | 2.0525% | 4,449 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.8870% | 3,263 |
| Return on assets (ROA) | 0.7963% | 3,649 |
| Pretax return on assets | 0.9946% | 3,473 |
| Return on Equity (ROE) | 2.6190% | 4,726 |
| Retained earnings to average equity (ytd only) | 2.5807% | 3,743 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9446% | 2,945 |
| Assets per employee ($millions) | 8.5771% | 577 |
| Cash dividends to net income (ytd only)* | 1.4644% | 3,893 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9454% | 3,762 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 40.3115% | 4,723 |
| Net loans and leases to deposits | 59.1226% | 4,328 |
| Net loans and leases to core deposits | 61.5179% | 4,366 |
| Total domestic deposits to total assets | 68.1829% | 4,987 |
| Equity capital to assets | 31.2159% | 65 |
| Core capital (leverage) ratio | 30.0685% | 69 |
| Tier 1 risk-based capital ratio | 37.9070% | 276 |
| Total risk-based capital ratio | 38.3840% | 283 |
| Memoranda: | ||
| Average total assets | $60,025,200 | 4,596 |
| Average earning assets | $58,076,600 | 4,556 |
| Average equity | $18,251,200 | 3,315 |
| Average total loans | $23,222,600 | 4,799 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2936% | 3,670 |
| Cost of funding earning assets | 1.1349% | 1,224 |
| Net interest margin | 3.1587% | 4,384 |
| Noninterest income to average assets | 0.0378% | 5,138 |
| Noninterest expense to average assets | 1.3195% | 5,135 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.4396% | 1,354 |
| Return on assets (ROA) | 1.3173% | 1,855 |
| Pretax return on assets | 1.6216% | 1,556 |
| Return on Equity (ROE) | 4.3614% | 4,517 |
| Retained earnings to average equity (ytd only) | 4.3098% | 3,240 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.6724% | 5,057 |
| Assets per employee ($millions) | 8.9346% | 498 |
| Cash dividends to net income (ytd only)* | 1.1800% | 3,543 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8952% | 4,061 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 40.8877% | 4,784 |
| Net loans and leases to deposits | 62.1207% | 4,286 |
| Net loans and leases to core deposits | 64.6182% | 4,341 |
| Total domestic deposits to total assets | 65.8198% | 5,101 |
| Equity capital to assets | 30.1701% | 72 |
| Core capital (leverage) ratio | 30.6866% | 67 |
| Tier 1 risk-based capital ratio | 37.6831% | 287 |
| Total risk-based capital ratio | 38.1543% | 300 |
| Memoranda: | ||
| Average total assets | $60,021,500 | 4,662 |
| Average earning assets | $58,038,500 | 4,612 |
| Average equity | $18,128,500 | 3,348 |
| Average total loans | $22,919,750 | 4,882 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3108% | 3,607 |
| Cost of funding earning assets | 1.1179% | 1,229 |
| Net interest margin | 3.1930% | 4,381 |
| Noninterest income to average assets | 0.0473% | 5,173 |
| Noninterest expense to average assets | 1.3653% | 5,179 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.4396% | 1,325 |
| Return on assets (ROA) | 1.4396% | 1,372 |
| Pretax return on assets | 1.7708% | 1,114 |
| Return on Equity (ROE) | 4.7647% | 4,401 |
| Retained earnings to average equity (ytd only) | 4.6864% | 2,930 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.5345% | 5,079 |
| Assets per employee ($millions) | 8.5667% | 542 |
| Cash dividends to net income (ytd only)* | 1.6432% | 3,414 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0584% | 3,292 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 36.0098% | 4,976 |
| Net loans and leases to deposits | 52.5261% | 4,724 |
| Net loans and leases to core deposits | 55.0657% | 4,746 |
| Total domestic deposits to total assets | 68.5560% | 5,089 |
| Equity capital to assets | 30.9387% | 63 |
| Core capital (leverage) ratio | 30.4370% | 67 |
| Tier 1 risk-based capital ratio | 37.6365% | 280 |
| Total risk-based capital ratio | 38.1114% | 291 |
| Memoranda: | ||
| Average total assets | $59,181,330 | 4,702 |
| Average earning assets | $57,251,000 | 4,665 |
| Average equity | $17,881,670 | 3,369 |
| Average total loans | $21,958,670 | 4,939 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2837% | 3,607 |
| Cost of funding earning assets | 1.0692% | 1,294 |
| Net interest margin | 3.2145% | 4,361 |
| Noninterest income to average assets | 0.0476% | 5,221 |
| Noninterest expense to average assets | 1.3404% | 5,245 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.4765% | 1,161 |
| Return on assets (ROA) | 1.4765% | 1,187 |
| Pretax return on assets | 1.8167% | 948 |
| Return on Equity (ROE) | 4.9470% | 4,337 |
| Retained earnings to average equity (ytd only) | 4.7874% | 3,006 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.4569% | 5,151 |
| Assets per employee ($millions) | 8.4410% | 573 |
| Cash dividends to net income (ytd only)* | 3.2258% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0456% | 3,426 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 36.9980% | 4,987 |
| Net loans and leases to deposits | 53.4786% | 4,691 |
| Net loans and leases to core deposits | 56.0754% | 4,712 |
| Total domestic deposits to total assets | 69.1827% | 5,133 |
| Equity capital to assets | 30.4026% | 68 |
| Core capital (leverage) ratio | 31.0108% | 66 |
| Tier 1 risk-based capital ratio | 37.3080% | 270 |
| Total risk-based capital ratio | 37.7842% | 286 |
| Memoranda: | ||
| Average total assets | $58,788,500 | 4,762 |
| Average earning assets | $56,867,000 | 4,726 |
| Average equity | $17,546,000 | 3,408 |
| Average total loans | $22,025,500 | 4,994 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2519% | 3,268 |
| Cost of funding earning assets | 0.7822% | 1,627 |
| Net interest margin | 3.4697% | 3,803 |
| Noninterest income to average assets | 0.0430% | 5,284 |
| Noninterest expense to average assets | 2.0128% | 4,730 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.1303% | 2,471 |
| Return on assets (ROA) | 1.1276% | 2,486 |
| Pretax return on assets | 1.4043% | 2,123 |
| Return on Equity (ROE) | 3.8050% | 4,756 |
| Retained earnings to average equity (ytd only) | 3.7586% | 3,502 |
| Net charge-offs to loans | -0.0849% | 5,112 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.8442% | 4,032 |
| Assets per employee ($millions) | 8.3557% | 590 |
| Cash dividends to net income (ytd only)* | 1.2195% | 3,996 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0520% | 3,369 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 37.1482% | 5,042 |
| Net loans and leases to deposits | 52.8096% | 4,795 |
| Net loans and leases to core deposits | 55.6287% | 4,793 |
| Total domestic deposits to total assets | 70.3436% | 5,145 |
| Equity capital to assets | 29.2836% | 71 |
| Core capital (leverage) ratio | 30.7872% | 67 |
| Tier 1 risk-based capital ratio | 36.7024% | 284 |
| Total risk-based capital ratio | 37.1763% | 294 |
| Memoranda: | ||
| Average total assets | $58,178,800 | 4,797 |
| Average earning assets | $56,633,200 | 4,735 |
| Average equity | $17,240,600 | 3,368 |
| Average total loans | $21,212,200 | 5,049 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2297% | 3,204 |
| Cost of funding earning assets | 0.7289% | 1,691 |
| Net interest margin | 3.5009% | 3,694 |
| Noninterest income to average assets | 0.0390% | 5,368 |
| Noninterest expense to average assets | 1.4182% | 5,318 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.6514% | 839 |
| Return on assets (ROA) | 1.6477% | 858 |
| Pretax return on assets | 2.0332% | 574 |
| Return on Equity (ROE) | 5.5436% | 4,404 |
| Retained earnings to average equity (ytd only) | 5.4818% | 2,964 |
| Net charge-offs to loans | -0.0951% | 5,150 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.0359% | 5,307 |
| Assets per employee ($millions) | 8.2900% | 574 |
| Cash dividends to net income (ytd only)* | 1.1146% | 3,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0532% | 3,447 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 36.9137% | 5,111 |
| Net loans and leases to deposits | 53.4070% | 4,844 |
| Net loans and leases to core deposits | 55.7882% | 4,851 |
| Total domestic deposits to total assets | 69.1177% | 5,255 |
| Equity capital to assets | 29.8070% | 64 |
| Core capital (leverage) ratio | 30.5132% | 65 |
| Tier 1 risk-based capital ratio | 36.9121% | 278 |
| Total risk-based capital ratio | 37.3810% | 293 |
| Memoranda: | ||
| Average total assets | $58,101,000 | 4,848 |
| Average earning assets | $56,708,500 | 4,784 |
| Average equity | $17,268,750 | 3,396 |
| Average total loans | $21,025,500 | 5,114 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1686% | 3,211 |
| Cost of funding earning assets | 0.6649% | 1,841 |
| Net interest margin | 3.5037% | 3,615 |
| Noninterest income to average assets | 0.0482% | 5,403 |
| Noninterest expense to average assets | 1.4383% | 5,372 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.6503% | 802 |
| Return on assets (ROA) | 1.6447% | 818 |
| Pretax return on assets | 2.0301% | 570 |
| Return on Equity (ROE) | 5.5390% | 4,392 |
| Retained earnings to average equity (ytd only) | 5.4463% | 2,850 |
| Net charge-offs to loans | -0.1441% | 5,262 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.3861% | 5,368 |
| Assets per employee ($millions) | 8.4397% | 532 |
| Cash dividends to net income (ytd only)* | 1.6736% | 3,439 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0270% | 3,668 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 37.1932% | 5,145 |
| Net loans and leases to deposits | 56.5033% | 4,723 |
| Net loans and leases to core deposits | 58.7042% | 4,757 |
| Total domestic deposits to total assets | 65.8248% | 5,390 |
| Equity capital to assets | 29.0717% | 73 |
| Core capital (leverage) ratio | 30.7704% | 66 |
| Tier 1 risk-based capital ratio | 35.8431% | 314 |
| Total risk-based capital ratio | 36.3046% | 327 |
| Memoranda: | ||
| Average total assets | $58,124,670 | 4,905 |
| Average earning assets | $56,853,670 | 4,841 |
| Average equity | $17,259,330 | 3,412 |
| Average total loans | $20,817,670 | 5,178 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1581% | 3,034 |
| Cost of funding earning assets | 0.6517% | 1,713 |
| Net interest margin | 3.5064% | 3,512 |
| Noninterest income to average assets | 0.0555% | 5,462 |
| Noninterest expense to average assets | 1.4016% | 5,453 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.6887% | 699 |
| Return on assets (ROA) | 1.7000% | 698 |
| Pretax return on assets | 2.1024% | 462 |
| Return on Equity (ROE) | 5.6642% | 4,258 |
| Retained earnings to average equity (ytd only) | 5.4793% | 2,962 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.1590% | 5,455 |
| Assets per employee ($millions) | 8.2099% | 579 |
| Cash dividends to net income (ytd only)* | 3.2653% | 2,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0868% | 3,469 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 33.7330% | 5,278 |
| Net loans and leases to deposits | 48.3297% | 5,029 |
| Net loans and leases to core deposits | 50.1500% | 5,039 |
| Total domestic deposits to total assets | 69.7976% | 5,368 |
| Equity capital to assets | 29.8961% | 67 |
| Core capital (leverage) ratio | 30.3108% | 65 |
| Tier 1 risk-based capital ratio | 37.3299% | 269 |
| Total risk-based capital ratio | 37.7849% | 282 |
| Memoranda: | ||
| Average total assets | $57,648,000 | 4,969 |
| Average earning assets | $56,468,000 | 4,900 |
| Average equity | $17,301,500 | 3,436 |
| Average total loans | $20,126,000 | 5,251 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1944% | 2,705 |
| Cost of funding earning assets | 0.5735% | 1,792 |
| Net interest margin | 3.6210% | 3,100 |
| Noninterest income to average assets | 0.0607% | 5,508 |
| Noninterest expense to average assets | 1.7171% | 5,317 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.4219% | 970 |
| Return on assets (ROA) | 1.4219% | 991 |
| Pretax return on assets | 1.8689% | 650 |
| Return on Equity (ROE) | 4.9199% | 4,195 |
| Retained earnings to average equity (ytd only) | 4.8907% | 2,195 |
| Net charge-offs to loans | 0.0097% | 3,750 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 554.0000% | 158 |
| Efficiency ratio | 47.8833% | 5,322 |
| Assets per employee ($millions) | 8.2610% | 583 |
| Cash dividends to net income (ytd only)* | 0.5931% | 4,093 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0313% | 3,732 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 35.3468% | 5,306 |
| Net loans and leases to deposits | 50.9853% | 5,027 |
| Net loans and leases to core deposits | 52.7702% | 5,050 |
| Total domestic deposits to total assets | 69.3275% | 5,430 |
| Equity capital to assets | 30.1278% | 63 |
| Core capital (leverage) ratio | 29.2678% | 65 |
| Tier 1 risk-based capital ratio | 35.7418% | 300 |
| Total risk-based capital ratio | 36.1834% | 314 |
| Memoranda: | ||
| Average total assets | $59,285,200 | 4,976 |
| Average earning assets | $57,719,600 | 4,916 |
| Average equity | $17,134,400 | 3,473 |
| Average total loans | $20,718,000 | 5,293 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1990% | 2,622 |
| Cost of funding earning assets | 0.5614% | 1,797 |
| Net interest margin | 3.6376% | 3,005 |
| Noninterest income to average assets | 0.0559% | 5,594 |
| Noninterest expense to average assets | 1.3590% | 5,590 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.5647% | 775 |
| Return on assets (ROA) | 1.5647% | 795 |
| Pretax return on assets | 2.2307% | 337 |
| Return on Equity (ROE) | 5.4699% | 4,336 |
| Retained earnings to average equity (ytd only) | 5.4309% | 2,581 |
| Net charge-offs to loans | -0.0064% | 4,508 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.8580% | 5,619 |
| Assets per employee ($millions) | 8.4511% | 528 |
| Cash dividends to net income (ytd only)* | 0.7147% | 3,670 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9872% | 4,134 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 36.6206% | 5,326 |
| Net loans and leases to deposits | 53.3820% | 4,990 |
| Net loans and leases to core deposits | 55.8927% | 5,004 |
| Total domestic deposits to total assets | 68.6010% | 5,518 |
| Equity capital to assets | 29.6612% | 65 |
| Core capital (leverage) ratio | 28.6899% | 67 |
| Tier 1 risk-based capital ratio | 34.5688% | 333 |
| Total risk-based capital ratio | 35.0056% | 347 |
| Memoranda: | ||
| Average total assets | $59,649,750 | 5,028 |
| Average earning assets | $57,949,250 | 4,963 |
| Average equity | $17,062,500 | 3,517 |
| Average total loans | $20,734,250 | 5,349 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1585% | 2,636 |
| Cost of funding earning assets | 0.5435% | 1,815 |
| Net interest margin | 3.6151% | 2,977 |
| Noninterest income to average assets | 0.0602% | 5,622 |
| Noninterest expense to average assets | 1.3642% | 5,640 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.5548% | 781 |
| Return on assets (ROA) | 1.5548% | 801 |
| Pretax return on assets | 2.2102% | 347 |
| Return on Equity (ROE) | 5.5026% | 4,268 |
| Retained earnings to average equity (ytd only) | 5.4435% | 2,443 |
| Net charge-offs to loans | -0.0098% | 4,529 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.1665% | 5,661 |
| Assets per employee ($millions) | 8.5536% | 497 |
| Cash dividends to net income (ytd only)* | 1.0753% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9904% | 4,207 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 36.0651% | 5,378 |
| Net loans and leases to deposits | 51.6615% | 5,074 |
| Net loans and leases to core deposits | 54.0107% | 5,088 |
| Total domestic deposits to total assets | 69.8104% | 5,542 |
| Equity capital to assets | 28.9436% | 61 |
| Core capital (leverage) ratio | 27.9234% | 67 |
| Tier 1 risk-based capital ratio | 33.7767% | 338 |
| Total risk-based capital ratio | 34.2094% | 359 |
| Memoranda: | ||
| Average total assets | $59,813,670 | 5,058 |
| Average earning assets | $58,145,330 | 4,997 |
| Average equity | $16,901,000 | 3,546 |
| Average total loans | $20,352,330 | 5,398 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1598% | 2,431 |
| Cost of funding earning assets | 0.5321% | 1,847 |
| Net interest margin | 3.6277% | 2,787 |
| Noninterest income to average assets | 0.0669% | 5,681 |
| Noninterest expense to average assets | 1.3582% | 5,715 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.5657% | 723 |
| Return on assets (ROA) | 1.5657% | 743 |
| Pretax return on assets | 2.2214% | 343 |
| Return on Equity (ROE) | 5.6093% | 4,087 |
| Retained earnings to average equity (ytd only) | 5.4895% | 2,605 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.9439% | 5,727 |
| Assets per employee ($millions) | 8.5790% | 485 |
| Cash dividends to net income (ytd only)* | 2.1368% | 2,808 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1189% | 3,595 |
| Loan loss allowance to noncurrent loans | 21,600.0000% | 48 |
| Noncurrent assets plus other real estate owned to assets | 0.0017% | 5,386 |
| Noncurrent loans to loans | 0.0052% | 5,247 |
| Net loans and leases to total assets | 31.7869% | 5,545 |
| Net loans and leases to deposits | 44.6798% | 5,348 |
| Net loans and leases to core deposits | 46.9652% | 5,339 |
| Total domestic deposits to total assets | 71.1438% | 5,588 |
| Equity capital to assets | 28.0735% | 66 |
| Core capital (leverage) ratio | 27.6715% | 71 |
| Tier 1 risk-based capital ratio | 34.7682% | 328 |
| Total risk-based capital ratio | 35.2198% | 347 |
| Memoranda: | ||
| Average total assets | $59,783,000 | 5,117 |
| Average earning assets | $57,888,000 | 5,051 |
| Average equity | $16,686,500 | 3,585 |
| Average total loans | $19,623,500 | 5,478 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2029% | 2,477 |
| Cost of funding earning assets | 0.5460% | 1,730 |
| Net interest margin | 3.6569% | 2,866 |
| Noninterest income to average assets | 0.0501% | 5,772 |
| Noninterest expense to average assets | 1.6646% | 5,591 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.3548% | 1,088 |
| Return on assets (ROA) | 1.3559% | 1,137 |
| Pretax return on assets | 1.9377% | 574 |
| Return on Equity (ROE) | 5.0436% | 4,416 |
| Retained earnings to average equity (ytd only) | 4.9715% | 2,360 |
| Net charge-offs to loans | -0.0137% | 5,022 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.2298% | 5,633 |
| Assets per employee ($millions) | 8.5019% | 499 |
| Cash dividends to net income (ytd only)* | 1.4303% | 4,176 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0781% | 3,840 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 33.1474% | 5,568 |
| Net loans and leases to deposits | 46.2175% | 5,359 |
| Net loans and leases to core deposits | 48.8292% | 5,338 |
| Total domestic deposits to total assets | 71.7205% | 5,582 |
| Equity capital to assets | 27.7486% | 71 |
| Core capital (leverage) ratio | 27.4595% | 75 |
| Tier 1 risk-based capital ratio | 34.0340% | 349 |
| Total risk-based capital ratio | 34.4802% | 367 |
| Memoranda: | ||
| Average total assets | $61,877,200 | 5,094 |
| Average earning assets | $60,078,000 | 5,015 |
| Average equity | $16,634,800 | 3,602 |
| Average total loans | $21,967,400 | 5,447 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2319% | 2,402 |
| Cost of funding earning assets | 0.5485% | 1,711 |
| Net interest margin | 3.6835% | 2,781 |
| Noninterest income to average assets | 0.0534% | 5,830 |
| Noninterest expense to average assets | 1.3532% | 5,840 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.6078% | 719 |
| Return on assets (ROA) | 1.6093% | 757 |
| Pretax return on assets | 2.2859% | 328 |
| Return on Equity (ROE) | 6.0325% | 4,049 |
| Retained earnings to average equity (ytd only) | 5.9365% | 2,218 |
| Net charge-offs to loans | -0.0119% | 4,839 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.2066% | 5,876 |
| Assets per employee ($millions) | 11.9268% | 173 |
| Cash dividends to net income (ytd only)* | 1.5915% | 3,742 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9431% | 4,693 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 37.6899% | 5,480 |
| Net loans and leases to deposits | 54.1043% | 5,105 |
| Net loans and leases to core deposits | 56.5633% | 5,119 |
| Total domestic deposits to total assets | 69.6616% | 5,717 |
| Equity capital to assets | 29.0237% | 66 |
| Core capital (leverage) ratio | 27.0177% | 77 |
| Tier 1 risk-based capital ratio | 35.3046% | 325 |
| Total risk-based capital ratio | 35.7676% | 343 |
| Memoranda: | ||
| Average total assets | $62,468,250 | 5,132 |
| Average earning assets | $60,774,500 | 5,045 |
| Average equity | $16,665,000 | 3,628 |
| Average total loans | $22,473,750 | 5,484 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1760% | 2,582 |
| Cost of funding earning assets | 0.5605% | 1,613 |
| Net interest margin | 3.6155% | 3,035 |
| Noninterest income to average assets | 0.0473% | 5,919 |
| Noninterest expense to average assets | 1.2900% | 5,949 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.6000% | 724 |
| Return on assets (ROA) | 1.6022% | 767 |
| Pretax return on assets | 2.2803% | 320 |
| Return on Equity (ROE) | 6.1760% | 3,970 |
| Retained earnings to average equity (ytd only) | 6.0301% | 2,101 |
| Net charge-offs to loans | -0.0089% | 4,668 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 36.1627% | 5,963 |
| Assets per employee ($millions) | 8.7821% | 424 |
| Cash dividends to net income (ytd only)* | 2.3622% | 3,592 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0262% | 4,367 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 33.4168% | 5,698 |
| Net loans and leases to deposits | 46.9694% | 5,463 |
| Net loans and leases to core deposits | 48.9807% | 5,466 |
| Total domestic deposits to total assets | 71.1460% | 5,718 |
| Equity capital to assets | 27.7202% | 69 |
| Core capital (leverage) ratio | 26.0880% | 82 |
| Tier 1 risk-based capital ratio | 34.3383% | 352 |
| Total risk-based capital ratio | 34.7934% | 367 |
| Memoranda: | ||
| Average total assets | $63,413,000 | 5,162 |
| Average earning assets | $61,733,670 | 5,074 |
| Average equity | $16,450,670 | 3,671 |
| Average total loans | $22,401,670 | 5,552 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2205% | 2,401 |
| Cost of funding earning assets | 0.5547% | 1,663 |
| Net interest margin | 3.6659% | 2,825 |
| Noninterest income to average assets | 0.0559% | 5,945 |
| Noninterest expense to average assets | 1.2736% | 6,016 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.6483% | 638 |
| Return on assets (ROA) | 1.6526% | 674 |
| Pretax return on assets | 2.3609% | 295 |
| Return on Equity (ROE) | 6.5860% | 3,682 |
| Retained earnings to average equity (ytd only) | 6.2889% | 2,240 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 35.1027% | 6,033 |
| Assets per employee ($millions) | 12.2826% | 147 |
| Cash dividends to net income (ytd only)* | 4.5113% | 2,807 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0834% | 4,143 |
| Loan loss allowance to noncurrent loans | 69.9670% | 4,325 |
| Noncurrent assets plus other real estate owned to assets | 0.4934% | 3,629 |
| Noncurrent loans to loans | 1.5484% | 1,509 |
| Net loans and leases to total assets | 31.5178% | 5,792 |
| Net loans and leases to deposits | 43.7631% | 5,600 |
| Net loans and leases to core deposits | 45.3132% | 5,614 |
| Total domestic deposits to total assets | 72.0190% | 5,769 |
| Equity capital to assets | 26.7696% | 72 |
| Core capital (leverage) ratio | 25.1302% | 92 |
| Tier 1 risk-based capital ratio | 34.4056% | 354 |
| Total risk-based capital ratio | 34.8664% | 369 |
| Memoranda: | ||
| Average total assets | $64,382,000 | 5,189 |
| Average earning assets | $62,741,000 | 5,103 |
| Average equity | $16,155,500 | 3,707 |
| Average total loans | $23,224,500 | 5,577 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3159% | 2,171 |
| Cost of funding earning assets | 0.5375% | 1,865 |
| Net interest margin | 3.7784% | 2,454 |
| Noninterest income to average assets | 0.0560% | 5,990 |
| Noninterest expense to average assets | 1.5247% | 5,965 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.5295% | 811 |
| Return on assets (ROA) | 1.5262% | 850 |
| Pretax return on assets | 2.2194% | 330 |
| Return on Equity (ROE) | 6.2647% | 3,918 |
| Retained earnings to average equity (ytd only) | 2.3285% | 4,399 |
| Net charge-offs to loans | -0.0134% | 5,177 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.6716% | 6,054 |
| Assets per employee ($millions) | 9.6216% | 305 |
| Cash dividends to net income (ytd only)* | 62.8310% | 1,601 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7887% | 5,440 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 39.5970% | 5,540 |
| Net loans and leases to deposits | 60.1955% | 4,762 |
| Net loans and leases to core deposits | 62.1756% | 4,866 |
| Total domestic deposits to total assets | 65.7808% | 6,020 |
| Equity capital to assets | 23.5646% | 114 |
| Core capital (leverage) ratio | 24.0500% | 101 |
| Tier 1 risk-based capital ratio | 36.6247% | 293 |
| Total risk-based capital ratio | 37.1232% | 311 |
| Memoranda: | ||
| Average total assets | $64,340,800 | 5,214 |
| Average earning assets | $62,884,000 | 5,110 |
| Average equity | $15,675,200 | 3,733 |
| Average total loans | $22,386,600 | 5,639 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3323% | 2,131 |
| Cost of funding earning assets | 0.5421% | 1,870 |
| Net interest margin | 3.7903% | 2,425 |
| Noninterest income to average assets | 0.0524% | 6,086 |
| Noninterest expense to average assets | 1.3063% | 6,148 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.7027% | 622 |
| Return on assets (ROA) | 1.6984% | 649 |
| Pretax return on assets | 2.4490% | 257 |
| Return on Equity (ROE) | 6.9113% | 3,674 |
| Retained earnings to average equity (ytd only) | 1.6468% | 5,042 |
| Net charge-offs to loans | -0.0188% | 5,188 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 34.7269% | 6,197 |
| Assets per employee ($millions) | 12.8998% | 122 |
| Cash dividends to net income (ytd only)* | 76.1734% | 828 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9782% | 4,849 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 33.4300% | 5,881 |
| Net loans and leases to deposits | 49.5359% | 5,492 |
| Net loans and leases to core deposits | 51.5000% | 5,521 |
| Total domestic deposits to total assets | 67.4863% | 6,055 |
| Equity capital to assets | 24.5523% | 103 |
| Core capital (leverage) ratio | 24.5995% | 93 |
| Tier 1 risk-based capital ratio | 32.6681% | 426 |
| Total risk-based capital ratio | 33.1198% | 440 |
| Memoranda: | ||
| Average total assets | $63,588,250 | 5,292 |
| Average earning assets | $62,228,000 | 5,187 |
| Average equity | $15,626,250 | 3,776 |
| Average total loans | $21,263,000 | 5,740 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3475% | 2,020 |
| Cost of funding earning assets | 0.5418% | 1,891 |
| Net interest margin | 3.8056% | 2,284 |
| Noninterest income to average assets | 0.0537% | 6,164 |
| Noninterest expense to average assets | 1.3273% | 6,206 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.7005% | 629 |
| Return on assets (ROA) | 1.6939% | 662 |
| Pretax return on assets | 2.4461% | 266 |
| Return on Equity (ROE) | 6.8911% | 3,676 |
| Retained earnings to average equity (ytd only) | -1.0414% | 5,696 |
| Net charge-offs to loans | -0.0190% | 5,154 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 35.0877% | 6,265 |
| Assets per employee ($millions) | 12.6444% | 130 |
| Cash dividends to net income (ytd only)* | 115.1119% | 348 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9150% | 5,241 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 36.3133% | 5,798 |
| Net loans and leases to deposits | 51.1861% | 5,435 |
| Net loans and leases to core deposits | 53.0649% | 5,482 |
| Total domestic deposits to total assets | 70.9437% | 5,990 |
| Equity capital to assets | 24.2194% | 102 |
| Core capital (leverage) ratio | 24.3851% | 96 |
| Tier 1 risk-based capital ratio | 31.2822% | 485 |
| Total risk-based capital ratio | 31.7205% | 509 |
| Memoranda: | ||
| Average total assets | $63,284,670 | 5,366 |
| Average earning assets | $62,013,330 | 5,250 |
| Average equity | $15,556,330 | 3,804 |
| Average total loans | $21,092,330 | 5,807 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3998% | 1,774 |
| Cost of funding earning assets | 0.5419% | 1,915 |
| Net interest margin | 3.8579% | 2,036 |
| Noninterest income to average assets | 0.0632% | 6,194 |
| Noninterest expense to average assets | 1.2761% | 6,294 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.7693% | 513 |
| Return on assets (ROA) | 1.7563% | 552 |
| Pretax return on assets | 2.5460% | 223 |
| Return on Equity (ROE) | 7.0925% | 3,457 |
| Retained earnings to average equity (ytd only) | -8.6488% | 6,097 |
| Net charge-offs to loans | -0.0399% | 5,405 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 33.2237% | 6,344 |
| Assets per employee ($millions) | 12.4732% | 133 |
| Cash dividends to net income (ytd only)* | 221.9424% | 191 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9998% | 5,024 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2084% | 5,117 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 33.5022% | 5,939 |
| Net loans and leases to deposits | 45.5415% | 5,673 |
| Net loans and leases to core deposits | 47.4325% | 5,695 |
| Total domestic deposits to total assets | 73.5641% | 5,937 |
| Equity capital to assets | 25.1419% | 93 |
| Core capital (leverage) ratio | 23.3829% | 109 |
| Tier 1 risk-based capital ratio | 33.8886% | 398 |
| Total risk-based capital ratio | 34.3694% | 416 |
| Memoranda: | ||
| Average total assets | $63,316,000 | 5,414 |
| Average earning assets | $62,002,500 | 5,302 |
| Average equity | $15,678,500 | 3,803 |
| Average total loans | $20,053,500 | 5,896 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6111% | 1,527 |
| Cost of funding earning assets | 0.5553% | 2,169 |
| Net interest margin | 4.0558% | 1,717 |
| Noninterest income to average assets | 0.0662% | 6,255 |
| Noninterest expense to average assets | 1.3772% | 6,368 |
| Loan and lease loss provision to assets | 0.0646% | 3,218 |
| Net operating income to assets | 1.7723% | 504 |
| Return on assets (ROA) | 1.7712% | 515 |
| Pretax return on assets | 2.5494% | 175 |
| Return on Equity (ROE) | 7.4783% | 3,384 |
| Retained earnings to average equity (ytd only) | 6.2716% | 1,771 |
| Net charge-offs to loans | 0.1434% | 2,601 |
| Credit loss provision to net charge-offs | 166.6667% | 1,463 |
| Earnings coverage of net charge-offs (x) | 67.5000% | 727 |
| Efficiency ratio | 34.4925% | 6,448 |
| Assets per employee ($millions) | 10.7110% | 203 |
| Cash dividends to net income (ytd only)* | 16.1349% | 3,943 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0999% | 4,541 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2023% | 5,214 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 29.2425% | 6,197 |
| Net loans and leases to deposits | 40.5966% | 6,017 |
| Net loans and leases to core deposits | 42.6251% | 6,011 |
| Total domestic deposits to total assets | 72.0319% | 6,083 |
| Equity capital to assets | 24.3939% | 107 |
| Core capital (leverage) ratio | 23.8678% | 107 |
| Tier 1 risk-based capital ratio | 37.4501% | 271 |
| Total risk-based capital ratio | 37.9647% | 286 |
| Memoranda: | ||
| Average total assets | $61,936,400 | 5,502 |
| Average earning assets | $59,964,200 | 5,394 |
| Average equity | $14,669,200 | 3,903 |
| Average total loans | $16,740,400 | 6,096 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6369% | 1,468 |
| Cost of funding earning assets | 0.5492% | 2,302 |
| Net interest margin | 4.0877% | 1,615 |
| Noninterest income to average assets | 0.0587% | 6,364 |
| Noninterest expense to average assets | 1.2865% | 6,462 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.9102% | 410 |
| Return on assets (ROA) | 1.9102% | 427 |
| Pretax return on assets | 2.7186% | 153 |
| Return on Equity (ROE) | 8.1289% | 3,139 |
| Retained earnings to average equity (ytd only) | 6.4921% | 2,109 |
| Net charge-offs to loans | -0.0412% | 5,841 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 32.1215% | 6,531 |
| Assets per employee ($millions) | 10.5927% | 204 |
| Cash dividends to net income (ytd only)* | 20.1362% | 3,203 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1852% | 4,307 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2596% | 5,204 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 25.9739% | 6,359 |
| Net loans and leases to deposits | 35.9096% | 6,243 |
| Net loans and leases to core deposits | 37.8008% | 6,244 |
| Total domestic deposits to total assets | 72.3315% | 6,150 |
| Equity capital to assets | 23.8656% | 117 |
| Core capital (leverage) ratio | 23.9734% | 103 |
| Tier 1 risk-based capital ratio | 38.4371% | 266 |
| Total risk-based capital ratio | 38.9447% | 281 |
| Memoranda: | ||
| Average total assets | $61,354,000 | 5,583 |
| Average earning assets | $59,233,000 | 5,476 |
| Average equity | $14,417,250 | 3,979 |
| Average total loans | $16,175,000 | 6,185 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7130% | 1,258 |
| Cost of funding earning assets | 0.5374% | 2,463 |
| Net interest margin | 4.1757% | 1,296 |
| Noninterest income to average assets | 0.0693% | 6,378 |
| Noninterest expense to average assets | 1.2900% | 6,530 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.9696% | 359 |
| Return on assets (ROA) | 1.9696% | 373 |
| Pretax return on assets | 2.8044% | 140 |
| Return on Equity (ROE) | 8.4280% | 2,882 |
| Retained earnings to average equity (ytd only) | 5.9293% | 2,363 |
| Net charge-offs to loans | -0.0500% | 5,875 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 31.5068% | 6,597 |
| Assets per employee ($millions) | 10.1147% | 225 |
| Cash dividends to net income (ytd only)* | 29.6482% | 2,802 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2039% | 4,405 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2719% | 5,273 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 26.6379% | 6,402 |
| Net loans and leases to deposits | 35.6362% | 6,301 |
| Net loans and leases to core deposits | 37.5395% | 6,289 |
| Total domestic deposits to total assets | 74.7495% | 6,042 |
| Equity capital to assets | 24.5337% | 99 |
| Core capital (leverage) ratio | 23.7293% | 104 |
| Tier 1 risk-based capital ratio | 38.4204% | 273 |
| Total risk-based capital ratio | 38.9349% | 280 |
| Memoranda: | ||
| Average total assets | $60,620,000 | 5,639 |
| Average earning assets | $58,434,000 | 5,547 |
| Average equity | $14,167,000 | 4,020 |
| Average total loans | $15,998,000 | 6,244 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6301% | 1,421 |
| Cost of funding earning assets | 0.5342% | 2,562 |
| Net interest margin | 4.0959% | 1,459 |
| Noninterest income to average assets | 0.0792% | 6,393 |
| Noninterest expense to average assets | 1.1488% | 6,647 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 2.0269% | 325 |
| Return on assets (ROA) | 2.0269% | 338 |
| Pretax return on assets | 2.8786% | 152 |
| Return on Equity (ROE) | 8.8947% | 2,511 |
| Retained earnings to average equity (ytd only) | 3.7665% | 3,868 |
| Net charge-offs to loans | -0.0759% | 5,996 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 28.5246% | 6,684 |
| Assets per employee ($millions) | 10.2550% | 217 |
| Cash dividends to net income (ytd only)* | 57.6547% | 1,477 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2741% | 4,254 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2568% | 5,414 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 24.6823% | 6,495 |
| Net loans and leases to deposits | 33.0792% | 6,398 |
| Net loans and leases to core deposits | 34.8206% | 6,386 |
| Total domestic deposits to total assets | 74.6156% | 6,193 |
| Equity capital to assets | 22.9693% | 128 |
| Core capital (leverage) ratio | 23.5462% | 112 |
| Tier 1 risk-based capital ratio | 37.4919% | 281 |
| Total risk-based capital ratio | 38.0015% | 292 |
| Memoranda: | ||
| Average total assets | $60,586,000 | 5,695 |
| Average earning assets | $58,400,500 | 5,603 |
| Average equity | $13,806,000 | 4,086 |
| Average total loans | $15,815,500 | 6,313 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1680% | 3,465 |
| Cost of funding earning assets | 0.5556% | 3,064 |
| Net interest margin | 3.6124% | 3,410 |
| Noninterest income to average assets | 0.0914% | 6,417 |
| Noninterest expense to average assets | 1.3952% | 6,632 |
| Loan and lease loss provision to assets | 0.0979% | 3,164 |
| Net operating income to assets | 1.5082% | 809 |
| Return on assets (ROA) | 1.5666% | 760 |
| Pretax return on assets | 2.1475% | 342 |
| Return on Equity (ROE) | 6.8557% | 3,647 |
| Retained earnings to average equity (ytd only) | 5.5774% | 2,233 |
| Net charge-offs to loans | 0.4179% | 1,604 |
| Credit loss provision to net charge-offs | 92.3077% | 2,695 |
| Earnings coverage of net charge-offs (x) | 20.4154% | 1,550 |
| Efficiency ratio | 39.1842% | 6,703 |
| Assets per employee ($millions) | 9.9403% | 238 |
| Cash dividends to net income (ytd only)* | 18.6458% | 3,772 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1878% | 4,720 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 26.9189% | 6,549 |
| Net loans and leases to deposits | 35.3199% | 6,451 |
| Net loans and leases to core deposits | 37.4863% | 6,430 |
| Total domestic deposits to total assets | 76.2147% | 6,076 |
| Equity capital to assets | 22.5998% | 130 |
| Core capital (leverage) ratio | 23.4842% | 108 |
| Tier 1 risk-based capital ratio | 35.4356% | 312 |
| Total risk-based capital ratio | 35.9143% | 336 |
| Memoranda: | ||
| Average total assets | $61,279,600 | 5,723 |
| Average earning assets | $58,852,800 | 5,628 |
| Average equity | $14,003,000 | 4,073 |
| Average total loans | $15,553,400 | 6,390 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0823% | 3,836 |
| Cost of funding earning assets | 0.5587% | 3,171 |
| Net interest margin | 3.5236% | 3,784 |
| Noninterest income to average assets | 0.0778% | 6,548 |
| Noninterest expense to average assets | 1.2125% | 6,783 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.6366% | 706 |
| Return on assets (ROA) | 1.7139% | 640 |
| Pretax return on assets | 2.3515% | 296 |
| Return on Equity (ROE) | 7.4806% | 3,388 |
| Retained earnings to average equity (ytd only) | 5.7921% | 2,546 |
| Net charge-offs to loans | 0.0607% | 4,039 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 148.4780% | 371 |
| Efficiency ratio | 35.0625% | 6,808 |
| Assets per employee ($millions) | 10.0570% | 228 |
| Cash dividends to net income (ytd only)* | 22.5724% | 2,983 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2308% | 4,736 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 25.4002% | 6,659 |
| Net loans and leases to deposits | 33.0444% | 6,592 |
| Net loans and leases to core deposits | 34.9540% | 6,590 |
| Total domestic deposits to total assets | 76.8669% | 6,067 |
| Equity capital to assets | 22.8282% | 125 |
| Core capital (leverage) ratio | 23.4472% | 108 |
| Tier 1 risk-based capital ratio | 35.6670% | 321 |
| Total risk-based capital ratio | 36.1494% | 333 |
| Memoranda: | ||
| Average total assets | $61,689,000 | 5,777 |
| Average earning assets | $59,181,000 | 5,678 |
| Average equity | $14,134,000 | 4,087 |
| Average total loans | $15,379,750 | 6,465 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9699% | 4,226 |
| Cost of funding earning assets | 0.5599% | 3,316 |
| Net interest margin | 3.4099% | 4,160 |
| Noninterest income to average assets | 0.0805% | 6,586 |
| Noninterest expense to average assets | 1.2295% | 6,822 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.5763% | 775 |
| Return on assets (ROA) | 1.6930% | 686 |
| Pretax return on assets | 2.2820% | 357 |
| Return on Equity (ROE) | 7.3806% | 3,404 |
| Retained earnings to average equity (ytd only) | 4.8689% | 3,135 |
| Net charge-offs to loans | -0.0130% | 5,827 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 36.6603% | 6,838 |
| Assets per employee ($millions) | 8.5930% | 356 |
| Cash dividends to net income (ytd only)* | 34.0304% | 2,500 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3025% | 4,498 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 25.1949% | 6,706 |
| Net loans and leases to deposits | 32.6448% | 6,645 |
| Net loans and leases to core deposits | 34.4096% | 6,640 |
| Total domestic deposits to total assets | 77.1791% | 6,102 |
| Equity capital to assets | 22.6015% | 125 |
| Core capital (leverage) ratio | 22.0386% | 124 |
| Tier 1 risk-based capital ratio | 35.0523% | 338 |
| Total risk-based capital ratio | 35.5583% | 351 |
| Memoranda: | ||
| Average total assets | $62,138,000 | 5,802 |
| Average earning assets | $59,649,330 | 5,705 |
| Average equity | $14,253,670 | 4,097 |
| Average total loans | $15,333,670 | 6,510 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7903% | 4,855 |
| Cost of funding earning assets | 0.5623% | 3,459 |
| Net interest margin | 3.2280% | 4,813 |
| Noninterest income to average assets | 0.0760% | 6,652 |
| Noninterest expense to average assets | 1.1848% | 6,913 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.4966% | 863 |
| Return on assets (ROA) | 1.6410% | 719 |
| Pretax return on assets | 2.1732% | 436 |
| Return on Equity (ROE) | 7.1042% | 3,437 |
| Retained earnings to average equity (ytd only) | 2.1943% | 4,906 |
| Net charge-offs to loans | -0.0522% | 6,154 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.4000% | 6,911 |
| Assets per employee ($millions) | 7.9415% | 499 |
| Cash dividends to net income (ytd only)* | 69.1120% | 1,115 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4385% | 4,060 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 21.5687% | 6,830 |
| Net loans and leases to deposits | 28.3512% | 6,777 |
| Net loans and leases to core deposits | 29.5234% | 6,774 |
| Total domestic deposits to total assets | 76.0766% | 6,355 |
| Equity capital to assets | 22.9774% | 130 |
| Core capital (leverage) ratio | 21.5052% | 147 |
| Tier 1 risk-based capital ratio | 35.2314% | 341 |
| Total risk-based capital ratio | 35.7500% | 356 |
| Memoranda: | ||
| Average total assets | $63,131,500 | 5,832 |
| Average earning assets | $60,470,500 | 5,731 |
| Average equity | $14,583,000 | 4,077 |
| Average total loans | $15,323,000 | 6,564 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8885% | 5,604 |
| Cost of funding earning assets | 0.7700% | 2,916 |
| Net interest margin | 3.1185% | 5,771 |
| Noninterest income to average assets | 0.0887% | 6,549 |
| Noninterest expense to average assets | 1.2598% | 6,971 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.4743% | 969 |
| Return on assets (ROA) | 1.4743% | 1,075 |
| Pretax return on assets | 1.8276% | 875 |
| Return on Equity (ROE) | 6.5586% | 3,879 |
| Retained earnings to average equity (ytd only) | 5.2669% | 2,526 |
| Net charge-offs to loans | 0.2579% | 3,395 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 33.3235% | 934 |
| Efficiency ratio | 40.8046% | 6,915 |
| Assets per employee ($millions) | 7.8414% | 538 |
| Cash dividends to net income (ytd only)* | 19.6937% | 3,754 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1826% | 5,199 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 26.3745% | 6,801 |
| Net loans and leases to deposits | 34.7650% | 6,715 |
| Net loans and leases to core deposits | 36.4644% | 6,718 |
| Total domestic deposits to total assets | 75.8652% | 6,374 |
| Equity capital to assets | 23.2230% | 121 |
| Core capital (leverage) ratio | 21.4888% | 147 |
| Tier 1 risk-based capital ratio | 33.5836% | 377 |
| Total risk-based capital ratio | 34.0759% | 396 |
| Memoranda: | ||
| Average total assets | $61,994,000 | 5,873 |
| Average earning assets | $59,611,400 | 5,761 |
| Average equity | $13,936,000 | 4,170 |
| Average total loans | $13,184,400 | 6,727 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9030% | 5,783 |
| Cost of funding earning assets | 0.8075% | 2,881 |
| Net interest margin | 3.0955% | 5,951 |
| Noninterest income to average assets | 0.0755% | 6,712 |
| Noninterest expense to average assets | 1.1562% | 7,091 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.4819% | 1,057 |
| Return on assets (ROA) | 1.4819% | 1,169 |
| Pretax return on assets | 1.8961% | 877 |
| Return on Equity (ROE) | 6.6481% | 3,990 |
| Retained earnings to average equity (ytd only) | 4.9062% | 3,433 |
| Net charge-offs to loans | -0.1410% | 6,928 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.8799% | 7,047 |
| Assets per employee ($millions) | 7.7680% | 523 |
| Cash dividends to net income (ytd only)* | 26.2004% | 2,800 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9038% | 2,462 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 20.3141% | 7,024 |
| Net loans and leases to deposits | 26.7214% | 7,001 |
| Net loans and leases to core deposits | 28.3392% | 6,988 |
| Total domestic deposits to total assets | 76.0218% | 6,375 |
| Equity capital to assets | 23.0111% | 142 |
| Core capital (leverage) ratio | 21.4018% | 158 |
| Tier 1 risk-based capital ratio | 35.6644% | 336 |
| Total risk-based capital ratio | 36.3224% | 347 |
| Memoranda: | ||
| Average total assets | $61,809,750 | 5,945 |
| Average earning assets | $59,439,750 | 5,832 |
| Average equity | $13,778,000 | 4,247 |
| Average total loans | $12,294,750 | 6,860 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9186% | 5,869 |
| Cost of funding earning assets | 0.8611% | 2,719 |
| Net interest margin | 3.0575% | 6,111 |
| Noninterest income to average assets | 0.0746% | 6,777 |
| Noninterest expense to average assets | 1.1799% | 7,152 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.4425% | 1,104 |
| Return on assets (ROA) | 1.4425% | 1,242 |
| Pretax return on assets | 1.8412% | 960 |
| Return on Equity (ROE) | 6.5422% | 4,031 |
| Retained earnings to average equity (ytd only) | 3.8959% | 4,019 |
| Net charge-offs to loans | -0.2148% | 7,011 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.0558% | 7,077 |
| Assets per employee ($millions) | 7.6628% | 548 |
| Cash dividends to net income (ytd only)* | 40.4494% | 2,157 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0226% | 2,169 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 19.3599% | 7,089 |
| Net loans and leases to deposits | 25.3065% | 7,077 |
| Net loans and leases to core deposits | 26.8507% | 7,073 |
| Total domestic deposits to total assets | 76.5016% | 6,396 |
| Equity capital to assets | 22.6355% | 139 |
| Core capital (leverage) ratio | 20.9820% | 166 |
| Tier 1 risk-based capital ratio | 38.6117% | 260 |
| Total risk-based capital ratio | 39.3372% | 265 |
| Memoranda: | ||
| Average total assets | $61,698,330 | 5,988 |
| Average earning assets | $59,459,670 | 5,859 |
| Average equity | $13,604,000 | 4,275 |
| Average total loans | $12,103,330 | 6,919 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8438% | 6,158 |
| Cost of funding earning assets | 0.8958% | 2,727 |
| Net interest margin | 2.9480% | 6,393 |
| Noninterest income to average assets | 0.0840% | 6,807 |
| Noninterest expense to average assets | 1.1051% | 7,234 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.4347% | 1,158 |
| Return on assets (ROA) | 1.4347% | 1,298 |
| Pretax return on assets | 1.8289% | 1,017 |
| Return on Equity (ROE) | 6.5934% | 3,996 |
| Retained earnings to average equity (ytd only) | 1.2474% | 5,594 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.6652% | 7,155 |
| Assets per employee ($millions) | 8.9060% | 334 |
| Cash dividends to net income (ytd only)* | 81.0811% | 797 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9836% | 2,405 |
| Loan loss allowance to noncurrent loans | 1,784.6154% | 247 |
| Noncurrent assets plus other real estate owned to assets | 0.0209% | 6,855 |
| Noncurrent loans to loans | 0.1111% | 6,480 |
| Net loans and leases to total assets | 18.3889% | 7,166 |
| Net loans and leases to deposits | 23.9853% | 7,142 |
| Net loans and leases to core deposits | 25.7075% | 7,135 |
| Total domestic deposits to total assets | 76.6674% | 6,461 |
| Equity capital to assets | 21.6082% | 158 |
| Core capital (leverage) ratio | 20.2420% | 191 |
| Tier 1 risk-based capital ratio | 46.5323% | 147 |
| Total risk-based capital ratio | 47.3747% | 151 |
| Memoranda: | ||
| Average total assets | $61,896,500 | 6,013 |
| Average earning assets | $59,836,500 | 5,882 |
| Average equity | $13,468,000 | 4,307 |
| Average total loans | $12,098,500 | 6,979 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7977% | 3,825 |
| Cost of funding earning assets | 1.0811% | 2,801 |
| Net interest margin | 3.7166% | 4,221 |
| Noninterest income to average assets | 0.0927% | 6,674 |
| Noninterest expense to average assets | 1.2381% | 7,259 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 1.8141% | 449 |
| Return on assets (ROA) | 1.8317% | 466 |
| Pretax return on assets | 2.4222% | 242 |
| Return on Equity (ROE) | 9.5492% | 2,228 |
| Retained earnings to average equity (ytd only) | 8.0181% | 1,070 |
| Net charge-offs to loans | -0.1301% | 7,169 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 34.0416% | 7,267 |
| Assets per employee ($millions) | 7.6814% | 528 |
| Cash dividends to net income (ytd only)* | 16.0338% | 3,682 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8559% | 2,689 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 19.9655% | 7,204 |
| Net loans and leases to deposits | 26.2905% | 7,186 |
| Net loans and leases to core deposits | 28.4954% | 7,171 |
| Total domestic deposits to total assets | 75.9418% | 6,491 |
| Equity capital to assets | 21.9118% | 156 |
| Core capital (leverage) ratio | 20.4371% | 184 |
| Tier 1 risk-based capital ratio | 49.4541% | 136 |
| Total risk-based capital ratio | 50.3523% | 138 |
| Memoranda: | ||
| Average total assets | $64,694,000 | 5,907 |
| Average earning assets | $61,696,000 | 5,811 |
| Average equity | $12,409,400 | 4,456 |
| Average total loans | $13,065,400 | 6,992 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0272% | 2,953 |
| Cost of funding earning assets | 1.1145% | 2,885 |
| Net interest margin | 3.9126% | 3,320 |
| Noninterest income to average assets | 0.0855% | 6,812 |
| Noninterest expense to average assets | 1.1663% | 7,353 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.9754% | 358 |
| Return on assets (ROA) | 1.9662% | 400 |
| Pretax return on assets | 2.6298% | 195 |
| Return on Equity (ROE) | 10.6045% | 1,991 |
| Retained earnings to average equity (ytd only) | 8.5187% | 1,306 |
| Net charge-offs to loans | 0.0706% | 5,253 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 185.4898% | 207 |
| Efficiency ratio | 30.6253% | 7,363 |
| Assets per employee ($millions) | 7.8029% | 507 |
| Cash dividends to net income (ytd only)* | 19.6689% | 2,942 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5641% | 3,829 |
| Loan loss allowance to noncurrent loans | 577.7778% | 582 |
| Noncurrent assets plus other real estate owned to assets | 0.0577% | 6,904 |
| Noncurrent loans to loans | 0.2707% | 6,328 |
| Net loans and leases to total assets | 20.9698% | 7,274 |
| Net loans and leases to deposits | 27.4199% | 7,254 |
| Net loans and leases to core deposits | 29.9453% | 7,230 |
| Total domestic deposits to total assets | 76.4766% | 6,460 |
| Equity capital to assets | 21.3607% | 189 |
| Core capital (leverage) ratio | 18.6721% | 276 |
| Tier 1 risk-based capital ratio | 52.0007% | 141 |
| Total risk-based capital ratio | 52.8622% | 140 |
| Memoranda: | ||
| Average total assets | $65,504,750 | 5,928 |
| Average earning assets | $62,326,500 | 5,830 |
| Average equity | $12,145,500 | 4,526 |
| Average total loans | $13,206,500 | 7,053 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8668% | 3,768 |
| Cost of funding earning assets | 1.0991% | 3,246 |
| Net interest margin | 3.7676% | 3,953 |
| Noninterest income to average assets | 0.0812% | 6,923 |
| Noninterest expense to average assets | 1.1874% | 7,427 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.9043% | 409 |
| Return on assets (ROA) | 1.8908% | 447 |
| Pretax return on assets | 2.5131% | 240 |
| Return on Equity (ROE) | 10.7070% | 1,896 |
| Retained earnings to average equity (ytd only) | 7.4728% | 1,670 |
| Net charge-offs to loans | 0.1063% | 4,622 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 120.2857% | 290 |
| Efficiency ratio | 31.9321% | 7,425 |
| Assets per employee ($millions) | 9.0431% | 321 |
| Cash dividends to net income (ytd only)* | 30.2067% | 2,475 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6278% | 3,589 |
| Loan loss allowance to noncurrent loans | 577.7778% | 584 |
| Noncurrent assets plus other real estate owned to assets | 0.0498% | 6,974 |
| Noncurrent loans to loans | 0.2817% | 6,358 |
| Net loans and leases to total assets | 17.3751% | 7,396 |
| Net loans and leases to deposits | 26.0087% | 7,350 |
| Net loans and leases to core deposits | 28.8488% | 7,334 |
| Total domestic deposits to total assets | 66.8049% | 7,239 |
| Equity capital to assets | 17.5769% | 418 |
| Core capital (leverage) ratio | 18.0379% | 329 |
| Tier 1 risk-based capital ratio | 55.0261% | 127 |
| Total risk-based capital ratio | 55.9629% | 127 |
| Memoranda: | ||
| Average total assets | $66,532,000 | 5,939 |
| Average earning assets | $64,231,670 | 5,815 |
| Average equity | $11,749,330 | 4,628 |
| Average total loans | $13,176,000 | 7,122 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7710% | 4,198 |
| Cost of funding earning assets | 1.1944% | 2,853 |
| Net interest margin | 3.5766% | 4,675 |
| Noninterest income to average assets | 0.0943% | 6,946 |
| Noninterest expense to average assets | 1.1379% | 7,499 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.8141% | 478 |
| Return on assets (ROA) | 1.7854% | 531 |
| Pretax return on assets | 2.3638% | 302 |
| Return on Equity (ROE) | 10.0834% | 2,066 |
| Retained earnings to average equity (ytd only) | 3.3375% | 4,179 |
| Net charge-offs to loans | 0.2093% | 3,256 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 54.5714% | 540 |
| Efficiency ratio | 32.1492% | 7,482 |
| Assets per employee ($millions) | 8.1485% | 444 |
| Cash dividends to net income (ytd only)* | 66.9014% | 1,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6316% | 3,593 |
| Loan loss allowance to noncurrent loans | 205.9406% | 1,450 |
| Noncurrent assets plus other real estate owned to assets | 0.1549% | 6,779 |
| Noncurrent loans to loans | 0.7923% | 5,448 |
| Net loans and leases to total assets | 19.2367% | 7,433 |
| Net loans and leases to deposits | 25.9423% | 7,410 |
| Net loans and leases to core deposits | 28.6701% | 7,391 |
| Total domestic deposits to total assets | 74.1517% | 6,886 |
| Equity capital to assets | 17.5492% | 401 |
| Core capital (leverage) ratio | 18.7637% | 281 |
| Tier 1 risk-based capital ratio | 53.0426% | 137 |
| Total risk-based capital ratio | 53.9719% | 137 |
| Memoranda: | ||
| Average total assets | $63,625,500 | 6,075 |
| Average earning assets | $61,287,000 | 5,958 |
| Average equity | $11,266,000 | 4,727 |
| Average total loans | $13,375,000 | 7,168 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1890% | 3,663 |
| Cost of funding earning assets | 1.5873% | 2,145 |
| Net interest margin | 3.6017% | 4,813 |
| Noninterest income to average assets | 0.1062% | 6,863 |
| Noninterest expense to average assets | 1.2826% | 7,522 |
| Loan and lease loss provision to assets | 0.1797% | 5,422 |
| Net operating income to assets | 1.6800% | 540 |
| Return on assets (ROA) | 1.7401% | 516 |
| Pretax return on assets | 2.1780% | 338 |
| Return on Equity (ROE) | 9.2467% | 2,199 |
| Retained earnings to average equity (ytd only) | 7.5537% | 1,131 |
| Net charge-offs to loans | 0.7387% | 2,810 |
| Credit loss provision to net charge-offs | 102.8037% | 4,395 |
| Earnings coverage of net charge-offs (x) | 13.0561% | 1,445 |
| Efficiency ratio | 35.9762% | 7,545 |
| Assets per employee ($millions) | 7.7579% | 534 |
| Cash dividends to net income (ytd only)* | 18.3099% | 3,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5355% | 3,838 |
| Loan loss allowance to noncurrent loans | 130.3030% | 2,256 |
| Noncurrent assets plus other real estate owned to assets | 0.2659% | 6,583 |
| Noncurrent loans to loans | 1.1784% | 4,749 |
| Net loans and leases to total assets | 22.2145% | 7,495 |
| Net loans and leases to deposits | 29.3697% | 7,467 |
| Net loans and leases to core deposits | 32.1211% | 7,447 |
| Total domestic deposits to total assets | 75.6377% | 6,674 |
| Equity capital to assets | 17.8722% | 384 |
| Core capital (leverage) ratio | 19.3167% | 273 |
| Tier 1 risk-based capital ratio | 48.9160% | 154 |
| Total risk-based capital ratio | 49.8090% | 155 |
| Memoranda: | ||
| Average total assets | $61,203,600 | 6,155 |
| Average earning assets | $58,778,000 | 6,038 |
| Average equity | $11,517,600 | 4,728 |
| Average total loans | $14,485,800 | 7,188 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4078% | 2,841 |
| Cost of funding earning assets | 1.6590% | 2,051 |
| Net interest margin | 3.7488% | 4,192 |
| Noninterest income to average assets | 0.0787% | 7,140 |
| Noninterest expense to average assets | 1.1455% | 7,673 |
| Loan and lease loss provision to assets | 0.2405% | 4,676 |
| Net operating income to assets | 1.8197% | 475 |
| Return on assets (ROA) | 1.9107% | 438 |
| Pretax return on assets | 2.4026% | 271 |
| Return on Equity (ROE) | 10.0249% | 2,108 |
| Retained earnings to average equity (ytd only) | 7.7883% | 1,491 |
| Net charge-offs to loans | 0.9767% | 2,047 |
| Credit loss provision to net charge-offs | 102.8037% | 4,181 |
| Earnings coverage of net charge-offs (x) | 10.8133% | 1,848 |
| Efficiency ratio | 31.1719% | 7,677 |
| Assets per employee ($millions) | 7.4926% | 626 |
| Cash dividends to net income (ytd only)* | 22.3110% | 2,865 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4391% | 4,263 |
| Loan loss allowance to noncurrent loans | 130.3030% | 2,178 |
| Noncurrent assets plus other real estate owned to assets | 0.2753% | 6,690 |
| Noncurrent loans to loans | 1.1044% | 5,034 |
| Net loans and leases to total assets | 24.5658% | 7,560 |
| Net loans and leases to deposits | 31.7671% | 7,542 |
| Net loans and leases to core deposits | 34.0533% | 7,535 |
| Total domestic deposits to total assets | 77.3310% | 6,406 |
| Equity capital to assets | 20.6219% | 252 |
| Core capital (leverage) ratio | 19.2325% | 285 |
| Tier 1 risk-based capital ratio | 44.9457% | 182 |
| Total risk-based capital ratio | 45.7797% | 186 |
| Memoranda: | ||
| Average total assets | $60,988,750 | 6,233 |
| Average earning assets | $58,506,500 | 6,109 |
| Average equity | $11,624,000 | 4,777 |
| Average total loans | $14,606,750 | 7,278 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7019% | 1,760 |
| Cost of funding earning assets | 1.7153% | 2,041 |
| Net interest margin | 3.9865% | 3,082 |
| Noninterest income to average assets | 0.0717% | 7,223 |
| Noninterest expense to average assets | 1.1836% | 7,737 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 2.0940% | 280 |
| Return on assets (ROA) | 2.1194% | 295 |
| Pretax return on assets | 2.7324% | 167 |
| Return on Equity (ROE) | 11.4252% | 1,616 |
| Retained earnings to average equity (ytd only) | 7.9977% | 1,439 |
| Net charge-offs to loans | 1.4763% | 1,293 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 7.7383% | 2,248 |
| Efficiency ratio | 30.4786% | 7,745 |
| Assets per employee ($millions) | 7.4670% | 631 |
| Cash dividends to net income (ytd only)* | 30.0000% | 2,508 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7035% | 7,243 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 24.8092% | 7,628 |
| Net loans and leases to deposits | 31.6897% | 7,616 |
| Net loans and leases to core deposits | 34.9100% | 7,587 |
| Total domestic deposits to total assets | 78.2878% | 6,202 |
| Equity capital to assets | 19.8323% | 292 |
| Core capital (leverage) ratio | 18.7115% | 309 |
| Tier 1 risk-based capital ratio | 46.7207% | 173 |
| Total risk-based capital ratio | 47.1524% | 177 |
| Memoranda: | ||
| Average total assets | $61,338,000 | 6,252 |
| Average earning assets | $58,647,330 | 6,153 |
| Average equity | $11,378,330 | 4,840 |
| Average total loans | $14,495,670 | 7,335 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6796% | 1,853 |
| Cost of funding earning assets | 1.7434% | 2,162 |
| Net interest margin | 3.9361% | 3,168 |
| Noninterest income to average assets | 0.0772% | 7,314 |
| Noninterest expense to average assets | 1.1587% | 7,842 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 2.0934% | 295 |
| Return on assets (ROA) | 2.1436% | 303 |
| Pretax return on assets | 2.7616% | 169 |
| Return on Equity (ROE) | 11.9526% | 1,514 |
| Retained earnings to average equity (ytd only) | 4.9533% | 3,184 |
| Net charge-offs to loans | -0.0560% | 7,376 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 30.0501% | 7,849 |
| Assets per employee ($millions) | 7.7773% | 565 |
| Cash dividends to net income (ytd only)* | 58.5586% | 1,281 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4795% | 4,014 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 22.9033% | 7,745 |
| Net loans and leases to deposits | 30.6735% | 7,723 |
| Net loans and leases to core deposits | 34.0282% | 7,684 |
| Total domestic deposits to total assets | 74.6681% | 6,955 |
| Equity capital to assets | 18.2343% | 400 |
| Core capital (leverage) ratio | 17.5230% | 401 |
| Tier 1 risk-based capital ratio | 46.3533% | 173 |
| Total risk-based capital ratio | 47.2514% | 176 |
| Memoranda: | ||
| Average total assets | $62,139,000 | 6,303 |
| Average earning assets | $59,652,500 | 6,187 |
| Average equity | $11,144,000 | 4,939 |
| Average total loans | $14,281,000 | 7,435 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7658% | 2,798 |
| Cost of funding earning assets | 2.0231% | 2,853 |
| Net interest margin | 3.7427% | 3,942 |
| Noninterest income to average assets | 0.0777% | 7,362 |
| Noninterest expense to average assets | 1.2431% | 7,897 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 1.9056% | 287 |
| Return on assets (ROA) | 1.9323% | 274 |
| Pretax return on assets | 2.4306% | 176 |
| Return on Equity (ROE) | 10.9388% | 1,445 |
| Retained earnings to average equity (ytd only) | 9.0551% | 492 |
| Net charge-offs to loans | 0.0072% | 7,134 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | 1,419.0000% | 13 |
| Efficiency ratio | 34.1531% | 7,912 |
| Assets per employee ($millions) | 7.7575% | 566 |
| Cash dividends to net income (ytd only)* | 17.2203% | 3,740 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5038% | 3,706 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 22.3751% | 7,834 |
| Net loans and leases to deposits | 31.8735% | 7,786 |
| Net loans and leases to core deposits | 41.7486% | 7,735 |
| Total domestic deposits to total assets | 70.1998% | 7,409 |
| Equity capital to assets | 17.6329% | 483 |
| Core capital (leverage) ratio | 17.4718% | 437 |
| Tier 1 risk-based capital ratio | 46.8315% | 179 |
| Total risk-based capital ratio | 47.7417% | 178 |
| Memoranda: | ||
| Average total assets | $59,204,600 | 6,379 |
| Average earning assets | $56,349,200 | 6,276 |
| Average equity | $10,458,200 | 5,177 |
| Average total loans | $13,968,200 | 7,498 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7327% | 3,176 |
| Cost of funding earning assets | 2.0809% | 2,977 |
| Net interest margin | 3.6518% | 4,267 |
| Noninterest income to average assets | 0.0638% | 7,590 |
| Noninterest expense to average assets | 1.1147% | 8,009 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.9225% | 342 |
| Return on assets (ROA) | 1.9627% | 340 |
| Pretax return on assets | 2.4596% | 209 |
| Return on Equity (ROE) | 11.1054% | 1,593 |
| Retained earnings to average equity (ytd only) | 8.5645% | 955 |
| Net charge-offs to loans | 0.0095% | 6,810 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 1,059.6241% | 20 |
| Efficiency ratio | 31.6300% | 8,001 |
| Assets per employee ($millions) | 8.0013% | 514 |
| Cash dividends to net income (ytd only)* | 22.8804% | 3,141 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4829% | 3,531 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 22.0028% | 7,934 |
| Net loans and leases to deposits | 34.5061% | 7,854 |
| Net loans and leases to core deposits | 45.1541% | 7,779 |
| Total domestic deposits to total assets | 63.7650% | 7,775 |
| Equity capital to assets | 17.1489% | 611 |
| Core capital (leverage) ratio | 17.1051% | 542 |
| Tier 1 risk-based capital ratio | 43.7801% | 225 |
| Total risk-based capital ratio | 44.6537% | 225 |
| Memoranda: | ||
| Average total assets | $58,490,750 | 6,446 |
| Average earning assets | $55,423,500 | 6,362 |
| Average equity | $10,337,000 | 5,248 |
| Average total loans | $13,935,750 | 7,571 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6633% | 3,749 |
| Cost of funding earning assets | 2.1730% | 2,917 |
| Net interest margin | 3.4903% | 4,845 |
| Noninterest income to average assets | 0.0600% | 7,687 |
| Noninterest expense to average assets | 1.1191% | 8,102 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.8076% | 453 |
| Return on assets (ROA) | 1.8076% | 494 |
| Pretax return on assets | 2.2241% | 341 |
| Return on Equity (ROE) | 10.1149% | 1,985 |
| Retained earnings to average equity (ytd only) | 6.2230% | 1,920 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 33.4741% | 8,087 |
| Assets per employee ($millions) | 7.3805% | 643 |
| Cash dividends to net income (ytd only)* | 38.4766% | 2,501 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5465% | 2,966 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 22.9659% | 8,007 |
| Net loans and leases to deposits | 35.2547% | 7,914 |
| Net loans and leases to core deposits | 44.8917% | 7,863 |
| Total domestic deposits to total assets | 65.1429% | 7,783 |
| Equity capital to assets | 17.1736% | 639 |
| Core capital (leverage) ratio | 19.3847% | 393 |
| Tier 1 risk-based capital ratio | 42.8333% | 257 |
| Total risk-based capital ratio | 43.7211% | 257 |
| Memoranda: | ||
| Average total assets | $56,651,000 | 6,566 |
| Average earning assets | $53,290,670 | 6,499 |
| Average equity | $10,123,670 | 5,331 |
| Average total loans | $13,815,670 | 7,659 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0364% | 2,213 |
| Cost of funding earning assets | 2.3211% | 2,611 |
| Net interest margin | 3.7153% | 3,829 |
| Noninterest income to average assets | 0.0505% | 7,828 |
| Noninterest expense to average assets | 1.0820% | 8,152 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.9187% | 409 |
| Return on assets (ROA) | 1.9187% | 460 |
| Pretax return on assets | 2.4092% | 294 |
| Return on Equity (ROE) | 10.5185% | 2,118 |
| Retained earnings to average equity (ytd only) | 2.7285% | 4,371 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 30.9917% | 8,147 |
| Assets per employee ($millions) | 6.9198% | 809 |
| Cash dividends to net income (ytd only)* | 74.0602% | 1,193 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5430% | 2,744 |
| Loan loss allowance to noncurrent loans | 2,366.6667% | 203 |
| Noncurrent assets plus other real estate owned to assets | 0.0163% | 7,586 |
| Noncurrent loans to loans | 0.0652% | 7,340 |
| Net loans and leases to total assets | 24.5511% | 8,030 |
| Net loans and leases to deposits | 34.9302% | 7,964 |
| Net loans and leases to core deposits | 43.7911% | 7,908 |
| Total domestic deposits to total assets | 70.2861% | 7,401 |
| Equity capital to assets | 18.2286% | 579 |
| Core capital (leverage) ratio | 18.4004% | 512 |
| Tier 1 risk-based capital ratio | 50.1625% | 204 |
| Total risk-based capital ratio | 51.2277% | 202 |
| Memoranda: | ||
| Average total assets | $55,454,500 | 6,650 |
| Average earning assets | $51,355,500 | 6,605 |
| Average equity | $10,115,500 | 5,351 |
| Average total loans | $13,837,000 | 7,703 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3704% | 3,573 |
| Cost of funding earning assets | 2.8423% | 2,513 |
| Net interest margin | 3.5281% | 5,196 |
| Noninterest income to average assets | 0.1096% | 7,584 |
| Noninterest expense to average assets | 1.3615% | 8,094 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.7481% | 612 |
| Return on assets (ROA) | 1.7481% | 589 |
| Pretax return on assets | 2.0923% | 492 |
| Return on Equity (ROE) | 9.3194% | 2,514 |
| Retained earnings to average equity (ytd only) | 7.2280% | 1,080 |
| Net charge-offs to loans | 0.0160% | 6,656 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 544.0000% | 105 |
| Efficiency ratio | 39.4209% | 8,142 |
| Assets per employee ($millions) | 6.9439% | 725 |
| Cash dividends to net income (ytd only)* | 22.4422% | 4,370 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5357% | 2,523 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 24.5846% | 8,097 |
| Net loans and leases to deposits | 36.5767% | 8,010 |
| Net loans and leases to core deposits | 45.0994% | 7,981 |
| Total domestic deposits to total assets | 67.2139% | 7,551 |
| Equity capital to assets | 18.2535% | 620 |
| Core capital (leverage) ratio | 18.1152% | 594 |
| Tier 1 risk-based capital ratio | 52.5508% | 194 |
| Total risk-based capital ratio | 53.6745% | 193 |
| Memoranda: | ||
| Average total assets | $52,000,800 | 6,693 |
| Average earning assets | $49,290,400 | 6,623 |
| Average equity | $9,753,800 | 5,494 |
| Average total loans | $12,522,400 | 7,801 |