Home > Community Bank of Wichita, Inc. > Performance and Condition Ratios
Community Bank of Wichita, Inc., Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5792% | 556 |
| Cost of funding earning assets | 2.5361% | 802 |
| Net interest margin | 4.0431% | 1,198 |
| Noninterest income to average assets | 0.3100% | 2,795 |
| Noninterest expense to average assets | 3.0160% | 1,115 |
| Loan and lease loss provision to assets | 0.0100% | 2,596 |
| Net operating income to assets | 0.8731% | 2,654 |
| Return on assets (ROA) | 0.8731% | 2,664 |
| Pretax return on assets | 1.0679% | 2,578 |
| Return on Equity (ROE) | 11.3400% | 1,925 |
| Retained earnings to average equity (ytd only) | 9.9332% | 1,195 |
| Net charge-offs to loans | -0.0235% | 4,133 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 73.6564% | 1,470 |
| Assets per employee ($millions) | 5.7053% | 3,165 |
| Cash dividends to net income (ytd only)* | 12.3967% | 2,142 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4256% | 1,218 |
| Loan loss allowance to noncurrent loans | 269.6903% | 1,768 |
| Noncurrent assets plus other real estate owned to assets | 0.3961% | 1,764 |
| Noncurrent loans to loans | 0.5286% | 1,791 |
| Net loans and leases to total assets | 73.8700% | 1,356 |
| Net loans and leases to deposits | 80.5164% | 2,008 |
| Net loans and leases to core deposits | 106.4657% | 1,007 |
| Total domestic deposits to total assets | 91.7500% | 338 |
| Equity capital to assets | 7.7034% | 3,757 |
| Core capital (leverage) ratio | 9.2836% | 3,506 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $110,874,500 | 3,690 |
| Average earning assets | $103,781,500 | 3,669 |
| Average equity | $8,537,000 | 3,933 |
| Average total loans | $85,003,500 | 3,381 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3950% | 813 |
| Cost of funding earning assets | 2.2364% | 1,653 |
| Net interest margin | 4.1586% | 980 |
| Noninterest income to average assets | 0.3700% | 2,639 |
| Noninterest expense to average assets | 2.9968% | 1,148 |
| Loan and lease loss provision to assets | 0.0400% | 2,355 |
| Net operating income to assets | 0.9334% | 2,273 |
| Return on assets (ROA) | 0.9290% | 2,293 |
| Pretax return on assets | 1.2155% | 1,953 |
| Return on Equity (ROE) | 12.1000% | 1,585 |
| Retained earnings to average equity (ytd only) | 4.6355% | 2,383 |
| Net charge-offs to loans | 0.0497% | 1,650 |
| Credit loss provision to net charge-offs | 34.8837% | 2,413 |
| Earnings coverage of net charge-offs (x) | 31.6512% | 1,499 |
| Efficiency ratio | 70.4323% | 1,931 |
| Assets per employee ($millions) | 5.3822% | 3,371 |
| Cash dividends to net income (ytd only)* | 61.6915% | 1,124 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4367% | 1,191 |
| Loan loss allowance to noncurrent loans | 268.5841% | 1,831 |
| Noncurrent assets plus other real estate owned to assets | 0.4199% | 1,649 |
| Noncurrent loans to loans | 0.5349% | 1,733 |
| Net loans and leases to total assets | 77.3700% | 966 |
| Net loans and leases to deposits | 84.1089% | 1,765 |
| Net loans and leases to core deposits | 102.9113% | 1,274 |
| Total domestic deposits to total assets | 91.9900% | 306 |
| Equity capital to assets | 7.6958% | 3,677 |
| Core capital (leverage) ratio | 9.2351% | 3,488 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $108,182,000 | 3,711 |
| Average earning assets | $101,188,800 | 3,688 |
| Average equity | $8,305,400 | 3,936 |
| Average total loans | $86,440,000 | 3,349 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3149% | 866 |
| Cost of funding earning assets | 2.2033% | 1,725 |
| Net interest margin | 4.1117% | 997 |
| Noninterest income to average assets | 0.3800% | 2,542 |
| Noninterest expense to average assets | 3.0158% | 1,092 |
| Loan and lease loss provision to assets | 0.0500% | 2,008 |
| Net operating income to assets | 0.8884% | 2,419 |
| Return on assets (ROA) | 0.8826% | 2,448 |
| Pretax return on assets | 1.1558% | 2,105 |
| Return on Equity (ROE) | 11.5000% | 1,755 |
| Retained earnings to average equity (ytd only) | 8.1338% | 1,354 |
| Net charge-offs to loans | 0.0767% | 1,142 |
| Credit loss provision to net charge-offs | 30.0000% | 2,147 |
| Earnings coverage of net charge-offs (x) | 19.6600% | 1,762 |
| Efficiency ratio | 71.3662% | 1,863 |
| Assets per employee ($millions) | 5.7433% | 3,084 |
| Cash dividends to net income (ytd only)* | 29.2887% | 2,212 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4307% | 1,242 |
| Loan loss allowance to noncurrent loans | 149.3812% | 2,576 |
| Noncurrent assets plus other real estate owned to assets | 0.7404% | 953 |
| Noncurrent loans to loans | 0.9578% | 1,052 |
| Net loans and leases to total assets | 76.2000% | 1,101 |
| Net loans and leases to deposits | 83.3300% | 1,863 |
| Net loans and leases to core deposits | 103.2494% | 1,277 |
| Total domestic deposits to total assets | 91.4500% | 271 |
| Equity capital to assets | 8.0826% | 3,656 |
| Core capital (leverage) ratio | 9.1285% | 3,635 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2896% | 2,153 |
| Memoranda: | ||
| Average total assets | $108,316,750 | 3,720 |
| Average earning assets | $101,302,250 | 3,700 |
| Average equity | $8,310,750 | 3,951 |
| Average total loans | $86,925,750 | 3,348 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2492% | 868 |
| Cost of funding earning assets | 2.1439% | 1,774 |
| Net interest margin | 4.1053% | 993 |
| Noninterest income to average assets | 0.3600% | 2,636 |
| Noninterest expense to average assets | 3.0579% | 1,028 |
| Loan and lease loss provision to assets | 0.0400% | 2,101 |
| Net operating income to assets | 0.8330% | 2,524 |
| Return on assets (ROA) | 0.8330% | 2,532 |
| Pretax return on assets | 1.0921% | 2,234 |
| Return on Equity (ROE) | 11.0600% | 1,860 |
| Retained earnings to average equity (ytd only) | 8.5985% | 1,198 |
| Net charge-offs to loans | 0.1276% | 751 |
| Credit loss provision to net charge-offs | 26.7857% | 1,923 |
| Earnings coverage of net charge-offs (x) | 10.8929% | 1,956 |
| Efficiency ratio | 73.0327% | 1,747 |
| Assets per employee ($millions) | 4.9922% | 3,623 |
| Cash dividends to net income (ytd only)* | 22.2222% | 2,449 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3838% | 1,436 |
| Loan loss allowance to noncurrent loans | 191.5470% | 2,355 |
| Noncurrent assets plus other real estate owned to assets | 0.8623% | 732 |
| Noncurrent loans to loans | 0.7224% | 1,301 |
| Net loans and leases to total assets | 77.9300% | 915 |
| Net loans and leases to deposits | 87.2711% | 1,545 |
| Net loans and leases to core deposits | 109.1011% | 1,008 |
| Total domestic deposits to total assets | 89.3000% | 913 |
| Equity capital to assets | 7.5919% | 3,688 |
| Core capital (leverage) ratio | 9.0582% | 3,682 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8076% | 2,322 |
| Memoranda: | ||
| Average total assets | $108,048,000 | 3,735 |
| Average earning assets | $100,845,667 | 3,722 |
| Average equity | $8,141,000 | 3,959 |
| Average total loans | $87,780,333 | 3,338 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1172% | 920 |
| Cost of funding earning assets | 2.0138% | 1,957 |
| Net interest margin | 4.1034% | 963 |
| Noninterest income to average assets | 0.3500% | 2,619 |
| Noninterest expense to average assets | 3.1580% | 884 |
| Loan and lease loss provision to assets | 0.0300% | 2,039 |
| Net operating income to assets | 0.7503% | 2,683 |
| Return on assets (ROA) | 0.7503% | 2,701 |
| Pretax return on assets | 0.9892% | 2,410 |
| Return on Equity (ROE) | 10.0000% | 2,132 |
| Retained earnings to average equity (ytd only) | 9.9969% | 1,111 |
| Net charge-offs to loans | 0.0136% | 1,606 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 91.3333% | 717 |
| Efficiency ratio | 75.5357% | 1,587 |
| Assets per employee ($millions) | 4.9482% | 3,683 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4063% | 1,368 |
| 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 | 79.8000% | 641 |
| Net loans and leases to deposits | 90.7150% | 1,149 |
| Net loans and leases to core deposits | 110.2360% | 929 |
| Total domestic deposits to total assets | 87.9600% | 1,435 |
| Equity capital to assets | 7.4518% | 3,705 |
| Core capital (leverage) ratio | 9.0657% | 3,649 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5133% | 2,423 |
| Memoranda: | ||
| Average total assets | $107,158,000 | 3,765 |
| Average earning assets | $100,111,500 | 3,749 |
| Average equity | $8,042,500 | 3,984 |
| Average total loans | $88,274,000 | 3,342 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7864% | 850 |
| Cost of funding earning assets | 1.6168% | 1,645 |
| Net interest margin | 4.1696% | 978 |
| Noninterest income to average assets | 0.3000% | 3,118 |
| Noninterest expense to average assets | 2.9728% | 1,159 |
| Loan and lease loss provision to assets | 0.0600% | 1,903 |
| Net operating income to assets | 0.8971% | 2,557 |
| Return on assets (ROA) | 0.8971% | 2,530 |
| Pretax return on assets | 1.1604% | 2,239 |
| Return on Equity (ROE) | 12.8600% | 1,765 |
| Retained earnings to average equity (ytd only) | 6.3538% | 2,112 |
| Net charge-offs to loans | -0.0055% | 3,852 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 70.9733% | 1,759 |
| Assets per employee ($millions) | 4.7935% | 3,779 |
| Cash dividends to net income (ytd only)* | 50.6073% | 1,591 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4043% | 1,381 |
| Loan loss allowance to noncurrent loans | 13,800.0000% | 110 |
| Noncurrent assets plus other real estate owned to assets | 0.0085% | 3,727 |
| Noncurrent loans to loans | 0.0102% | 3,692 |
| Net loans and leases to total assets | 82.6900% | 373 |
| Net loans and leases to deposits | 97.1123% | 706 |
| Net loans and leases to core deposits | 115.6757% | 755 |
| Total domestic deposits to total assets | 85.1500% | 2,265 |
| Equity capital to assets | 7.5605% | 3,679 |
| Core capital (leverage) ratio | 8.9077% | 3,817 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3486% | 2,479 |
| Memoranda: | ||
| Average total assets | $110,132,800 | 3,741 |
| Average earning assets | $102,792,800 | 3,717 |
| Average equity | $7,680,400 | 3,971 |
| Average total loans | $90,613,000 | 3,284 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6427% | 858 |
| Cost of funding earning assets | 1.5586% | 1,461 |
| Net interest margin | 4.0840% | 1,094 |
| Noninterest income to average assets | 0.3200% | 2,979 |
| Noninterest expense to average assets | 2.9049% | 1,221 |
| Loan and lease loss provision to assets | 0.0700% | 1,559 |
| Net operating income to assets | 0.8924% | 2,708 |
| Return on assets (ROA) | 0.8924% | 2,695 |
| Pretax return on assets | 1.1512% | 2,414 |
| Return on Equity (ROE) | 13.0600% | 1,883 |
| Retained earnings to average equity (ytd only) | 10.4284% | 1,288 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 70.4123% | 1,740 |
| Assets per employee ($millions) | 5.1285% | 3,496 |
| Cash dividends to net income (ytd only)* | 20.1342% | 2,465 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4363% | 1,300 |
| Loan loss allowance to noncurrent loans | 15,462.5000% | 99 |
| Noncurrent assets plus other real estate owned to assets | 0.2375% | 2,062 |
| Noncurrent loans to loans | 0.0093% | 3,733 |
| Net loans and leases to total assets | 75.2400% | 1,201 |
| Net loans and leases to deposits | 85.3622% | 1,626 |
| Net loans and leases to core deposits | 100.9814% | 1,259 |
| Total domestic deposits to total assets | 88.1400% | 1,522 |
| Equity capital to assets | 6.8344% | 3,691 |
| Core capital (leverage) ratio | 8.6035% | 4,088 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3862% | 2,483 |
| Memoranda: | ||
| Average total assets | $111,302,000 | 3,746 |
| Average earning assets | $103,849,000 | 3,721 |
| Average equity | $7,607,250 | 3,983 |
| Average total loans | $91,155,500 | 3,279 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5148% | 814 |
| Cost of funding earning assets | 1.4917% | 1,257 |
| Net interest margin | 4.0231% | 1,203 |
| Noninterest income to average assets | 0.3100% | 3,022 |
| Noninterest expense to average assets | 2.9099% | 1,193 |
| Loan and lease loss provision to assets | 0.1400% | 795 |
| Net operating income to assets | 0.7852% | 3,123 |
| Return on assets (ROA) | 0.7852% | 3,136 |
| Pretax return on assets | 1.0037% | 2,901 |
| Return on Equity (ROE) | 11.4900% | 2,298 |
| Retained earnings to average equity (ytd only) | 11.4887% | 1,076 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 71.7720% | 1,580 |
| Assets per employee ($millions) | 5.0884% | 3,518 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3099% | 1,889 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.2323% | 2,023 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 83.2600% | 316 |
| Net loans and leases to deposits | 96.6103% | 700 |
| Net loans and leases to core deposits | 114.4092% | 674 |
| Total domestic deposits to total assets | 86.1800% | 2,177 |
| Equity capital to assets | 6.9070% | 3,845 |
| Core capital (leverage) ratio | 8.5741% | 4,099 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6051% | 2,735 |
| Memoranda: | ||
| Average total assets | $110,794,000 | 3,761 |
| Average earning assets | $103,104,333 | 3,746 |
| Average equity | $7,572,667 | 4,007 |
| Average total loans | $92,833,333 | 3,256 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3266% | 803 |
| Cost of funding earning assets | 1.2916% | 1,248 |
| Net interest margin | 4.0349% | 1,202 |
| Noninterest income to average assets | 0.3600% | 2,656 |
| Noninterest expense to average assets | 2.8852% | 1,261 |
| Loan and lease loss provision to assets | 0.1500% | 723 |
| Net operating income to assets | 0.8565% | 2,999 |
| Return on assets (ROA) | 0.8565% | 2,946 |
| Pretax return on assets | 1.0779% | 2,774 |
| Return on Equity (ROE) | 12.6000% | 2,079 |
| Retained earnings to average equity (ytd only) | 12.5984% | 1,165 |
| Net charge-offs to loans | 0.0043% | 1,820 |
| Credit loss provision to net charge-offs | 1,500.0000% | 256 |
| Earnings coverage of net charge-offs (x) | 339.0000% | 332 |
| Efficiency ratio | 70.1058% | 1,737 |
| Assets per employee ($millions) | 5.0243% | 3,644 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3117% | 1,980 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.2714% | 1,785 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 83.0400% | 293 |
| Net loans and leases to deposits | 99.4895% | 466 |
| Net loans and leases to core deposits | 117.9909% | 491 |
| Total domestic deposits to total assets | 83.4700% | 3,208 |
| Equity capital to assets | 6.8965% | 3,875 |
| Core capital (leverage) ratio | 8.4746% | 4,162 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4130% | 2,877 |
| Memoranda: | ||
| Average total assets | $110,218,500 | 3,823 |
| Average earning assets | $102,505,000 | 3,798 |
| Average equity | $7,493,000 | 4,064 |
| Average total loans | $92,031,500 | 3,301 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7416% | 477 |
| Cost of funding earning assets | 0.5414% | 1,149 |
| Net interest margin | 4.2002% | 538 |
| Noninterest income to average assets | 0.3800% | 2,814 |
| Noninterest expense to average assets | 3.0357% | 919 |
| Loan and lease loss provision to assets | 0.2900% | 299 |
| Net operating income to assets | 0.7692% | 3,423 |
| Return on assets (ROA) | 0.7692% | 3,369 |
| Pretax return on assets | 0.9900% | 3,098 |
| Return on Equity (ROE) | 10.4200% | 2,671 |
| Retained earnings to average equity (ytd only) | 3.6513% | 3,521 |
| Net charge-offs to loans | 0.2649% | 299 |
| Credit loss provision to net charge-offs | 139.3519% | 1,347 |
| Earnings coverage of net charge-offs (x) | 6.2083% | 2,344 |
| Efficiency ratio | 70.3974% | 1,631 |
| Assets per employee ($millions) | 4.9955% | 3,684 |
| Cash dividends to net income (ytd only)* | 64.9752% | 799 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3234% | 1,790 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.2730% | 1,791 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 81.7500% | 433 |
| Net loans and leases to deposits | 98.0916% | 518 |
| Net loans and leases to core deposits | 113.6599% | 496 |
| Total domestic deposits to total assets | 83.3400% | 3,347 |
| Equity capital to assets | 6.6996% | 3,816 |
| Core capital (leverage) ratio | 8.4751% | 4,147 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4065% | 2,889 |
| Memoranda: | ||
| Average total assets | $105,049,800 | 3,884 |
| Average earning assets | $98,258,000 | 3,854 |
| Average equity | $7,750,600 | 4,123 |
| Average total loans | $81,525,200 | 3,394 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5896% | 427 |
| Cost of funding earning assets | 0.4517% | 972 |
| Net interest margin | 4.1379% | 478 |
| Noninterest income to average assets | 0.3800% | 2,865 |
| Noninterest expense to average assets | 3.0573% | 840 |
| Loan and lease loss provision to assets | 0.2800% | 264 |
| Net operating income to assets | 0.7280% | 3,486 |
| Return on assets (ROA) | 0.7280% | 3,431 |
| Pretax return on assets | 0.9322% | 3,229 |
| Return on Equity (ROE) | 9.6300% | 2,836 |
| Retained earnings to average equity (ytd only) | 7.0849% | 2,335 |
| Net charge-offs to loans | -0.0067% | 3,576 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 71.6737% | 1,563 |
| Assets per employee ($millions) | 4.8402% | 3,809 |
| Cash dividends to net income (ytd only)* | 26.4550% | 2,193 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4999% | 1,292 |
| Loan loss allowance to noncurrent loans | 257.5000% | 2,377 |
| Noncurrent assets plus other real estate owned to assets | 0.4883% | 1,118 |
| Noncurrent loans to loans | 0.5825% | 1,378 |
| Net loans and leases to total assets | 82.5800% | 347 |
| Net loans and leases to deposits | 97.8240% | 464 |
| Net loans and leases to core deposits | 108.7486% | 508 |
| Total domestic deposits to total assets | 84.4200% | 3,403 |
| Equity capital to assets | 6.9128% | 3,561 |
| Core capital (leverage) ratio | 8.9088% | 3,688 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7109% | 2,888 |
| Memoranda: | ||
| Average total assets | $103,836,750 | 3,920 |
| Average earning assets | $97,405,500 | 3,884 |
| Average equity | $7,847,500 | 4,156 |
| Average total loans | $79,143,500 | 3,437 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4080% | 430 |
| Cost of funding earning assets | 0.4101% | 858 |
| Net interest margin | 3.9979% | 499 |
| Noninterest income to average assets | 0.3982% | 2,771 |
| Noninterest expense to average assets | 3.0946% | 738 |
| Loan and lease loss provision to assets | 0.1049% | 952 |
| Net operating income to assets | 0.7460% | 3,151 |
| Return on assets (ROA) | 0.7460% | 3,106 |
| Pretax return on assets | 0.9480% | 2,909 |
| Return on Equity (ROE) | 9.5884% | 2,490 |
| Retained earnings to average equity (ytd only) | 7.7157% | 1,723 |
| Net charge-offs to loans | -0.0106% | 3,610 |
| Credit loss provision to net charge-offs | -1,350.0000% | 3,613 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.6136% | 1,438 |
| Assets per employee ($millions) | 4.3715% | 4,163 |
| Cash dividends to net income (ytd only)* | 19.5313% | 2,477 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4325% | 1,627 |
| Loan loss allowance to noncurrent loans | 167.3295% | 2,889 |
| Noncurrent assets plus other real estate owned to assets | 0.7002% | 771 |
| Noncurrent loans to loans | 0.8561% | 992 |
| Net loans and leases to total assets | 80.6176% | 362 |
| Net loans and leases to deposits | 91.1039% | 654 |
| Net loans and leases to core deposits | 100.6169% | 649 |
| Total domestic deposits to total assets | 88.4897% | 2,387 |
| Equity capital to assets | 7.4056% | 3,529 |
| Core capital (leverage) ratio | 8.9250% | 3,534 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9983% | 2,819 |
| Memoranda: | ||
| Average total assets | $102,954,333 | 3,962 |
| Average earning assets | $96,551,000 | 3,949 |
| Average equity | $8,009,667 | 4,203 |
| Average total loans | $75,767,333 | 3,518 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2278% | 494 |
| Cost of funding earning assets | 0.4167% | 792 |
| Net interest margin | 3.8112% | 625 |
| Noninterest income to average assets | 0.3763% | 2,833 |
| Noninterest expense to average assets | 3.0645% | 732 |
| Loan and lease loss provision to assets | 0.0269% | 1,882 |
| Net operating income to assets | 0.7028% | 3,050 |
| Return on assets (ROA) | 0.7028% | 3,041 |
| Pretax return on assets | 0.8679% | 2,892 |
| Return on Equity (ROE) | 8.8283% | 2,380 |
| Retained earnings to average equity (ytd only) | 8.8283% | 1,320 |
| Net charge-offs to loans | -0.0110% | 3,625 |
| Credit loss provision to net charge-offs | -350.0000% | 3,067 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.4006% | 1,361 |
| Assets per employee ($millions) | 4.5546% | 4,100 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6097% | 1,246 |
| Loan loss allowance to noncurrent loans | 480.4255% | 1,536 |
| Noncurrent assets plus other real estate owned to assets | 0.2243% | 2,305 |
| Noncurrent loans to loans | 0.3351% | 2,284 |
| Net loans and leases to total assets | 65.8750% | 1,424 |
| Net loans and leases to deposits | 71.6438% | 1,811 |
| Net loans and leases to core deposits | 79.3050% | 1,532 |
| Total domestic deposits to total assets | 91.9480% | 593 |
| Equity capital to assets | 7.6664% | 3,819 |
| Core capital (leverage) ratio | 8.5615% | 3,807 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $104,159,000 | 3,972 |
| Average earning assets | $97,923,000 | 3,949 |
| Average equity | $8,291,500 | 4,242 |
| Average total loans | $72,533,500 | 3,577 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0145% | 258 |
| Cost of funding earning assets | 0.4686% | 1,069 |
| Net interest margin | 4.5459% | 246 |
| Noninterest income to average assets | 0.4386% | 2,863 |
| Noninterest expense to average assets | 3.0724% | 885 |
| Loan and lease loss provision to assets | 0.1287% | 951 |
| Net operating income to assets | 1.1604% | 2,058 |
| Return on assets (ROA) | 1.1658% | 2,100 |
| Pretax return on assets | 1.5284% | 1,625 |
| Return on Equity (ROE) | 13.9893% | 1,192 |
| Retained earnings to average equity (ytd only) | 6.8543% | 1,979 |
| Net charge-offs to loans | -0.0504% | 4,324 |
| Credit loss provision to net charge-offs | -347.3684% | 3,659 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0568% | 2,393 |
| Assets per employee ($millions) | 4.5027% | 4,112 |
| Cash dividends to net income (ytd only)* | 51.0033% | 1,461 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4947% | 1,580 |
| Loan loss allowance to noncurrent loans | 397.1631% | 1,724 |
| Noncurrent assets plus other real estate owned to assets | 0.2723% | 2,188 |
| Noncurrent loans to loans | 0.3764% | 2,236 |
| Net loans and leases to total assets | 71.2713% | 904 |
| Net loans and leases to deposits | 77.8472% | 1,411 |
| Net loans and leases to core deposits | 86.2821% | 1,185 |
| Total domestic deposits to total assets | 91.5529% | 300 |
| Equity capital to assets | 8.2579% | 4,202 |
| Core capital (leverage) ratio | 8.2735% | 4,147 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $102,589,800 | 3,966 |
| Average earning assets | $96,680,000 | 3,945 |
| Average equity | $8,549,400 | 4,288 |
| Average total loans | $75,361,600 | 3,550 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1241% | 243 |
| Cost of funding earning assets | 0.4771% | 1,172 |
| Net interest margin | 4.6470% | 244 |
| Noninterest income to average assets | 0.4416% | 2,881 |
| Noninterest expense to average assets | 2.9885% | 998 |
| Loan and lease loss provision to assets | 0.0870% | 1,364 |
| Net operating income to assets | 1.3268% | 1,741 |
| Return on assets (ROA) | 1.3340% | 1,780 |
| Pretax return on assets | 1.7522% | 1,274 |
| Return on Equity (ROE) | 15.9707% | 959 |
| Retained earnings to average equity (ytd only) | 12.6955% | 690 |
| Net charge-offs to loans | -0.0689% | 4,478 |
| Credit loss provision to net charge-offs | -171.7949% | 3,349 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0168% | 2,694 |
| Assets per employee ($millions) | 4.5737% | 4,068 |
| Cash dividends to net income (ytd only)* | 20.5078% | 2,531 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4266% | 1,909 |
| Loan loss allowance to noncurrent loans | 356.7568% | 1,742 |
| Noncurrent assets plus other real estate owned to assets | 0.2814% | 2,370 |
| Noncurrent loans to loans | 0.3999% | 2,361 |
| Net loans and leases to total assets | 69.3636% | 1,151 |
| Net loans and leases to deposits | 76.1676% | 1,653 |
| Net loans and leases to core deposits | 83.9135% | 1,436 |
| Total domestic deposits to total assets | 91.0671% | 349 |
| Equity capital to assets | 8.4918% | 4,216 |
| Core capital (leverage) ratio | 8.5047% | 4,023 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $102,346,750 | 4,024 |
| Average earning assets | $96,404,250 | 3,996 |
| Average equity | $8,548,750 | 4,346 |
| Average total loans | $75,469,500 | 3,607 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0979% | 294 |
| Cost of funding earning assets | 0.4918% | 1,250 |
| Net interest margin | 4.6061% | 305 |
| Noninterest income to average assets | 0.4280% | 2,963 |
| Noninterest expense to average assets | 3.0080% | 971 |
| Loan and lease loss provision to assets | 0.0533% | 1,971 |
| Net operating income to assets | 1.2988% | 1,874 |
| Return on assets (ROA) | 1.3097% | 1,907 |
| Pretax return on assets | 1.7219% | 1,428 |
| Return on Equity (ROE) | 15.7707% | 1,002 |
| Retained earnings to average equity (ytd only) | 13.3956% | 653 |
| Net charge-offs to loans | -0.1027% | 4,636 |
| Credit loss provision to net charge-offs | -69.2308% | 3,013 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0687% | 2,562 |
| Assets per employee ($millions) | 4.4501% | 4,137 |
| Cash dividends to net income (ytd only)* | 15.0602% | 2,705 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3440% | 2,220 |
| Loan loss allowance to noncurrent loans | 339.7993% | 1,717 |
| Noncurrent assets plus other real estate owned to assets | 0.2921% | 2,463 |
| Noncurrent loans to loans | 0.3955% | 2,489 |
| Net loans and leases to total assets | 72.8662% | 867 |
| Net loans and leases to deposits | 79.8895% | 1,434 |
| Net loans and leases to core deposits | 88.2134% | 1,254 |
| Total domestic deposits to total assets | 91.2088% | 304 |
| Equity capital to assets | 8.4522% | 4,240 |
| Core capital (leverage) ratio | 8.4730% | 4,006 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0142% | 2,718 |
| Memoranda: | ||
| Average total assets | $101,397,333 | 4,054 |
| Average earning assets | $95,568,667 | 4,028 |
| Average equity | $8,420,667 | 4,378 |
| Average total loans | $75,951,667 | 3,617 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7189% | 551 |
| Cost of funding earning assets | 0.4950% | 1,419 |
| Net interest margin | 4.2240% | 578 |
| Noninterest income to average assets | 0.4003% | 3,088 |
| Noninterest expense to average assets | 3.0004% | 994 |
| Loan and lease loss provision to assets | 0.0436% | 2,196 |
| Net operating income to assets | 1.0226% | 2,737 |
| Return on assets (ROA) | 1.0226% | 2,819 |
| Pretax return on assets | 1.3476% | 2,437 |
| Return on Equity (ROE) | 12.4255% | 1,863 |
| Retained earnings to average equity (ytd only) | 12.4255% | 1,046 |
| Net charge-offs to loans | -0.0158% | 3,883 |
| Credit loss provision to net charge-offs | -366.6667% | 3,095 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3213% | 1,893 |
| Assets per employee ($millions) | 4.7657% | 3,872 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2577% | 2,627 |
| Loan loss allowance to noncurrent loans | 136.3508% | 2,914 |
| Noncurrent assets plus other real estate owned to assets | 0.6743% | 1,393 |
| Noncurrent loans to loans | 0.9224% | 1,468 |
| Net loans and leases to total assets | 72.1859% | 993 |
| Net loans and leases to deposits | 78.7948% | 1,636 |
| Net loans and leases to core deposits | 85.6580% | 1,547 |
| Total domestic deposits to total assets | 91.6125% | 219 |
| Equity capital to assets | 8.0051% | 4,480 |
| Core capital (leverage) ratio | 8.2973% | 4,305 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $100,920,000 | 4,063 |
| Average earning assets | $95,360,500 | 4,033 |
| Average equity | $8,305,500 | 4,406 |
| Average total loans | $76,129,500 | 3,625 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4652% | 199 |
| Cost of funding earning assets | 0.7708% | 1,342 |
| Net interest margin | 4.6944% | 217 |
| Noninterest income to average assets | 0.5659% | 2,350 |
| Noninterest expense to average assets | 3.2495% | 972 |
| Loan and lease loss provision to assets | 0.2419% | 1,608 |
| Net operating income to assets | 1.1121% | 1,879 |
| Return on assets (ROA) | 1.1062% | 2,021 |
| Pretax return on assets | 1.4547% | 1,490 |
| Return on Equity (ROE) | 12.8561% | 1,074 |
| Retained earnings to average equity (ytd only) | 5.3877% | 2,102 |
| Net charge-offs to loans | 0.2508% | 691 |
| Credit loss provision to net charge-offs | 116.4103% | 2,669 |
| Earnings coverage of net charge-offs (x) | 8.2000% | 2,624 |
| Efficiency ratio | 65.5981% | 2,593 |
| Assets per employee ($millions) | 4.4088% | 4,007 |
| Cash dividends to net income (ytd only)* | 58.0925% | 1,443 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2564% | 2,632 |
| Loan loss allowance to noncurrent loans | 138.8889% | 2,900 |
| Noncurrent assets plus other real estate owned to assets | 0.7052% | 1,479 |
| Noncurrent loans to loans | 0.9046% | 1,562 |
| Net loans and leases to total assets | 76.9749% | 696 |
| Net loans and leases to deposits | 85.0014% | 1,357 |
| Net loans and leases to core deposits | 93.1295% | 1,297 |
| Total domestic deposits to total assets | 90.5571% | 351 |
| Equity capital to assets | 8.4727% | 4,463 |
| Core capital (leverage) ratio | 7.9594% | 4,654 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $93,830,800 | 4,069 |
| Average earning assets | $87,700,400 | 4,057 |
| Average equity | $8,074,000 | 4,416 |
| Average total loans | $77,753,400 | 3,598 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2590% | 372 |
| Cost of funding earning assets | 0.8220% | 1,389 |
| Net interest margin | 4.4370% | 441 |
| Noninterest income to average assets | 0.3841% | 3,163 |
| Noninterest expense to average assets | 3.1212% | 1,196 |
| Loan and lease loss provision to assets | 0.0957% | 3,124 |
| Net operating income to assets | 0.9939% | 2,363 |
| Return on assets (ROA) | 0.9859% | 2,524 |
| Pretax return on assets | 1.2955% | 2,068 |
| Return on Equity (ROE) | 11.4122% | 1,554 |
| Retained earnings to average equity (ytd only) | 9.7368% | 822 |
| Net charge-offs to loans | 0.0477% | 1,930 |
| Credit loss provision to net charge-offs | 239.2857% | 1,966 |
| Earnings coverage of net charge-offs (x) | 34.9286% | 1,466 |
| Efficiency ratio | 69.0114% | 2,034 |
| Assets per employee ($millions) | 4.2255% | 4,117 |
| Cash dividends to net income (ytd only)* | 14.6802% | 2,988 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1505% | 2,936 |
| Loan loss allowance to noncurrent loans | 94.1003% | 3,350 |
| Noncurrent assets plus other real estate owned to assets | 1.6566% | 486 |
| Noncurrent loans to loans | 1.2226% | 1,246 |
| Net loans and leases to total assets | 84.6037% | 233 |
| Net loans and leases to deposits | 93.6875% | 946 |
| Net loans and leases to core deposits | 102.0212% | 1,027 |
| Total domestic deposits to total assets | 90.3042% | 329 |
| Equity capital to assets | 8.6268% | 4,388 |
| Core capital (leverage) ratio | 8.3632% | 4,412 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $93,040,000 | 4,080 |
| Average earning assets | $86,782,500 | 4,074 |
| Average equity | $8,038,000 | 4,437 |
| Average total loans | $78,289,000 | 3,605 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3264% | 461 |
| Cost of funding earning assets | 0.8901% | 1,418 |
| Net interest margin | 4.4363% | 571 |
| Noninterest income to average assets | 0.3775% | 3,218 |
| Noninterest expense to average assets | 3.1443% | 1,254 |
| Loan and lease loss provision to assets | 0.1462% | 2,550 |
| Net operating income to assets | 0.9298% | 2,580 |
| Return on assets (ROA) | 0.9143% | 2,760 |
| Pretax return on assets | 1.2001% | 2,365 |
| Return on Equity (ROE) | 10.5772% | 1,783 |
| Retained earnings to average equity (ytd only) | 10.5772% | 677 |
| Net charge-offs to loans | 0.0731% | 1,518 |
| Credit loss provision to net charge-offs | 239.2857% | 1,779 |
| Earnings coverage of net charge-offs (x) | 22.3571% | 1,631 |
| Efficiency ratio | 69.7146% | 1,996 |
| Assets per employee ($millions) | 4.3690% | 3,941 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1312% | 2,871 |
| Loan loss allowance to noncurrent loans | 154.1063% | 2,568 |
| Noncurrent assets plus other real estate owned to assets | 1.2081% | 902 |
| Noncurrent loans to loans | 0.7341% | 2,040 |
| Net loans and leases to total assets | 83.2366% | 314 |
| Net loans and leases to deposits | 91.6012% | 1,204 |
| Net loans and leases to core deposits | 100.3804% | 1,234 |
| Total domestic deposits to total assets | 90.8685% | 181 |
| Equity capital to assets | 8.1861% | 4,641 |
| Core capital (leverage) ratio | 8.1390% | 4,675 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $91,658,000 | 4,102 |
| Average earning assets | $85,385,667 | 4,094 |
| Average equity | $7,922,667 | 4,467 |
| Average total loans | $76,658,667 | 3,635 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4737% | 392 |
| Cost of funding earning assets | 0.9912% | 1,457 |
| Net interest margin | 4.4826% | 525 |
| Noninterest income to average assets | 0.4356% | 2,876 |
| Noninterest expense to average assets | 3.3103% | 1,206 |
| Loan and lease loss provision to assets | 0.3072% | 1,010 |
| Net operating income to assets | 0.7524% | 3,088 |
| Return on assets (ROA) | 0.7198% | 3,288 |
| Pretax return on assets | 0.9445% | 3,017 |
| Return on Equity (ROE) | 8.0813% | 2,487 |
| Retained earnings to average equity (ytd only) | 8.0813% | 1,209 |
| Net charge-offs to loans | 0.0110% | 2,190 |
| Credit loss provision to net charge-offs | 3,350.0000% | 236 |
| Earnings coverage of net charge-offs (x) | 141.0000% | 449 |
| Efficiency ratio | 71.9124% | 2,087 |
| Assets per employee ($millions) | 3.8157% | 4,150 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3625% | 1,849 |
| Loan loss allowance to noncurrent loans | 141.2356% | 2,663 |
| Noncurrent assets plus other real estate owned to assets | 1.4688% | 742 |
| Noncurrent loans to loans | 0.9647% | 1,702 |
| Net loans and leases to total assets | 81.0873% | 553 |
| Net loans and leases to deposits | 90.2031% | 1,483 |
| Net loans and leases to core deposits | 101.8914% | 1,332 |
| Total domestic deposits to total assets | 89.8941% | 355 |
| Equity capital to assets | 8.9584% | 4,626 |
| Core capital (leverage) ratio | 9.0208% | 4,446 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $87,243,500 | 4,171 |
| Average earning assets | $81,114,500 | 4,149 |
| Average equity | $7,771,000 | 4,511 |
| Average total loans | $72,688,500 | 3,711 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6096% | 466 |
| Cost of funding earning assets | 0.9294% | 2,061 |
| Net interest margin | 4.6802% | 493 |
| Noninterest income to average assets | 0.4639% | 2,934 |
| Noninterest expense to average assets | 3.5011% | 961 |
| Loan and lease loss provision to assets | 0.1846% | 1,119 |
| Net operating income to assets | 0.8325% | 3,444 |
| Return on assets (ROA) | 0.8393% | 3,510 |
| Pretax return on assets | 1.0940% | 3,185 |
| Return on Equity (ROE) | 9.1465% | 2,689 |
| Retained earnings to average equity (ytd only) | 4.4928% | 2,710 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3815% | 1,675 |
| Assets per employee ($millions) | 3.7707% | 4,188 |
| Cash dividends to net income (ytd only)* | 50.8798% | 1,985 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2536% | 2,154 |
| Loan loss allowance to noncurrent loans | 75.3076% | 3,668 |
| Noncurrent assets plus other real estate owned to assets | 2.0893% | 366 |
| Noncurrent loans to loans | 1.6646% | 829 |
| Net loans and leases to total assets | 83.3810% | 383 |
| Net loans and leases to deposits | 93.7450% | 1,183 |
| Net loans and leases to core deposits | 105.7532% | 1,120 |
| Total domestic deposits to total assets | 88.9445% | 693 |
| Equity capital to assets | 8.8555% | 4,765 |
| Core capital (leverage) ratio | 9.0029% | 4,529 |
| Tier 1 risk-based capital ratio | 10.3915% | 5,050 |
| Total risk-based capital ratio | 11.6291% | 4,990 |
| Memoranda: | ||
| Average total assets | $81,261,000 | 4,263 |
| Average earning assets | $74,783,000 | 4,273 |
| Average equity | $7,456,400 | 4,580 |
| Average total loans | $66,022,200 | 3,860 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5539% | 533 |
| Cost of funding earning assets | 0.9229% | 2,126 |
| Net interest margin | 4.6310% | 573 |
| Noninterest income to average assets | 0.4656% | 2,925 |
| Noninterest expense to average assets | 3.5613% | 887 |
| Loan and lease loss provision to assets | 0.0801% | 2,304 |
| Net operating income to assets | 0.8269% | 3,589 |
| Return on assets (ROA) | 0.8361% | 3,641 |
| Pretax return on assets | 1.0897% | 3,323 |
| Return on Equity (ROE) | 9.0261% | 2,878 |
| Retained earnings to average equity (ytd only) | 5.0266% | 2,878 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4597% | 1,393 |
| Assets per employee ($millions) | 3.6563% | 4,325 |
| Cash dividends to net income (ytd only)* | 44.3112% | 1,954 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2483% | 2,244 |
| Loan loss allowance to noncurrent loans | 83.8643% | 3,572 |
| Noncurrent assets plus other real estate owned to assets | 1.8622% | 513 |
| Noncurrent loans to loans | 1.4884% | 1,019 |
| Net loans and leases to total assets | 76.7644% | 1,350 |
| Net loans and leases to deposits | 85.6531% | 2,239 |
| Net loans and leases to core deposits | 95.6994% | 2,030 |
| Total domestic deposits to total assets | 89.6225% | 406 |
| Equity capital to assets | 9.0576% | 4,753 |
| Core capital (leverage) ratio | 9.5657% | 4,098 |
| Tier 1 risk-based capital ratio | 11.3413% | 4,741 |
| Total risk-based capital ratio | 12.5508% | 4,665 |
| Memoranda: | ||
| Average total assets | $79,894,750 | 4,341 |
| Average earning assets | $73,388,000 | 4,351 |
| Average equity | $7,400,500 | 4,639 |
| Average total loans | $64,220,000 | 3,941 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6456% | 443 |
| Cost of funding earning assets | 0.9187% | 2,060 |
| Net interest margin | 4.7269% | 469 |
| Noninterest income to average assets | 0.4382% | 3,023 |
| Noninterest expense to average assets | 3.5671% | 884 |
| Loan and lease loss provision to assets | 0.1198% | 1,563 |
| Net operating income to assets | 0.8270% | 3,554 |
| Return on assets (ROA) | 0.8230% | 3,631 |
| Pretax return on assets | 1.0727% | 3,316 |
| Return on Equity (ROE) | 8.8151% | 2,931 |
| Retained earnings to average equity (ytd only) | 5.6493% | 2,448 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8663% | 1,531 |
| Assets per employee ($millions) | 3.3876% | 4,620 |
| Cash dividends to net income (ytd only)* | 35.9133% | 2,376 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2822% | 2,089 |
| Loan loss allowance to noncurrent loans | 87.4464% | 3,527 |
| Noncurrent assets plus other real estate owned to assets | 1.9573% | 480 |
| Noncurrent loans to loans | 1.4663% | 1,055 |
| Net loans and leases to total assets | 80.5337% | 802 |
| Net loans and leases to deposits | 92.2669% | 1,461 |
| Net loans and leases to core deposits | 104.3505% | 1,357 |
| Total domestic deposits to total assets | 87.2834% | 1,448 |
| Equity capital to assets | 9.6722% | 4,255 |
| Core capital (leverage) ratio | 9.5812% | 4,065 |
| Tier 1 risk-based capital ratio | 11.6215% | 4,625 |
| Total risk-based capital ratio | 12.8710% | 4,516 |
| Memoranda: | ||
| Average total assets | $78,494,670 | 4,401 |
| Average earning assets | $71,844,000 | 4,402 |
| Average equity | $7,328,330 | 4,678 |
| Average total loans | $63,836,330 | 3,974 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5252% | 502 |
| Cost of funding earning assets | 0.9042% | 1,978 |
| Net interest margin | 4.6210% | 582 |
| Noninterest income to average assets | 0.4163% | 3,071 |
| Noninterest expense to average assets | 3.5134% | 953 |
| Loan and lease loss provision to assets | 0.2386% | 626 |
| Net operating income to assets | 0.6802% | 3,999 |
| Return on assets (ROA) | 0.8326% | 3,547 |
| Pretax return on assets | 1.0865% | 3,187 |
| Return on Equity (ROE) | 9.0802% | 2,775 |
| Retained earnings to average equity (ytd only) | 5.8689% | 2,511 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.6284% | 1,540 |
| Assets per employee ($millions) | 3.4693% | 4,589 |
| Cash dividends to net income (ytd only)* | 35.3659% | 2,061 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2514% | 2,318 |
| Loan loss allowance to noncurrent loans | 276.2712% | 1,685 |
| Noncurrent assets plus other real estate owned to assets | 1.1129% | 1,242 |
| Noncurrent loans to loans | 0.4530% | 2,958 |
| Net loans and leases to total assets | 80.5940% | 770 |
| Net loans and leases to deposits | 90.7423% | 1,536 |
| Net loans and leases to core deposits | 104.2707% | 1,298 |
| Total domestic deposits to total assets | 88.8163% | 950 |
| Equity capital to assets | 9.1685% | 4,561 |
| Core capital (leverage) ratio | 9.5026% | 4,128 |
| Tier 1 risk-based capital ratio | 11.1969% | 4,884 |
| Total risk-based capital ratio | 12.4171% | 4,810 |
| Memoranda: | ||
| Average total assets | $78,785,000 | 4,434 |
| Average earning assets | $72,106,000 | 4,449 |
| Average equity | $7,224,500 | 4,726 |
| Average total loans | $63,973,500 | 4,010 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2935% | 587 |
| Cost of funding earning assets | 0.7195% | 1,959 |
| Net interest margin | 4.5739% | 645 |
| Noninterest income to average assets | 0.4846% | 2,917 |
| Noninterest expense to average assets | 3.5296% | 962 |
| Loan and lease loss provision to assets | 0.0650% | 2,853 |
| Net operating income to assets | 0.8607% | 3,574 |
| Return on assets (ROA) | 0.8587% | 3,579 |
| Pretax return on assets | 1.0990% | 3,272 |
| Return on Equity (ROE) | 9.4066% | 2,787 |
| Retained earnings to average equity (ytd only) | 3.6146% | 3,596 |
| Net charge-offs to loans | 0.0763% | 2,034 |
| Credit loss provision to net charge-offs | 106.3830% | 2,404 |
| Earnings coverage of net charge-offs (x) | 19.1064% | 2,089 |
| Efficiency ratio | 75.1591% | 1,472 |
| Assets per employee ($millions) | 3.3815% | 4,677 |
| Cash dividends to net income (ytd only)* | 61.5734% | 1,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2225% | 2,449 |
| Loan loss allowance to noncurrent loans | 468.2927% | 1,161 |
| Noncurrent assets plus other real estate owned to assets | 0.9733% | 1,406 |
| Noncurrent loans to loans | 0.2611% | 3,641 |
| Net loans and leases to total assets | 79.7866% | 971 |
| Net loans and leases to deposits | 94.6854% | 1,207 |
| Net loans and leases to core deposits | 109.0082% | 1,054 |
| Total domestic deposits to total assets | 84.2649% | 2,916 |
| Equity capital to assets | 9.1713% | 4,427 |
| Core capital (leverage) ratio | 9.6353% | 3,962 |
| Tier 1 risk-based capital ratio | 11.2238% | 4,852 |
| Total risk-based capital ratio | 12.3929% | 4,803 |
| Memoranda: | ||
| Average total assets | $76,978,200 | 4,485 |
| Average earning assets | $70,879,800 | 4,480 |
| Average equity | $7,027,000 | 4,745 |
| Average total loans | $61,602,000 | 4,056 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2357% | 583 |
| Cost of funding earning assets | 0.7057% | 1,815 |
| Net interest margin | 4.5299% | 697 |
| Noninterest income to average assets | 0.5192% | 2,747 |
| Noninterest expense to average assets | 3.5460% | 924 |
| Loan and lease loss provision to assets | 0.0747% | 2,462 |
| Net operating income to assets | 0.8432% | 3,763 |
| Return on assets (ROA) | 0.8405% | 3,779 |
| Pretax return on assets | 1.0749% | 3,486 |
| Return on Equity (ROE) | 9.2182% | 2,994 |
| Retained earnings to average equity (ytd only) | 4.4758% | 3,510 |
| Net charge-offs to loans | 0.0935% | 1,561 |
| Credit loss provision to net charge-offs | 100.0000% | 2,247 |
| Earnings coverage of net charge-offs (x) | 15.4424% | 2,226 |
| Efficiency ratio | 75.4619% | 1,413 |
| Assets per employee ($millions) | 3.2920% | 4,778 |
| Cash dividends to net income (ytd only)* | 51.4458% | 1,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2525% | 2,357 |
| Loan loss allowance to noncurrent loans | 386.3636% | 1,359 |
| Noncurrent assets plus other real estate owned to assets | 1.0447% | 1,388 |
| Noncurrent loans to loans | 0.3242% | 3,510 |
| Net loans and leases to total assets | 79.6579% | 1,072 |
| Net loans and leases to deposits | 89.4865% | 1,963 |
| Net loans and leases to core deposits | 102.5295% | 1,563 |
| Total domestic deposits to total assets | 89.0167% | 838 |
| Equity capital to assets | 9.3152% | 4,257 |
| Core capital (leverage) ratio | 9.5346% | 4,134 |
| Tier 1 risk-based capital ratio | 11.3140% | 4,889 |
| Total risk-based capital ratio | 12.4910% | 4,823 |
| Memoranda: | ||
| Average total assets | $76,779,000 | 4,533 |
| Average earning assets | $70,845,250 | 4,524 |
| Average equity | $7,000,500 | 4,798 |
| Average total loans | $61,297,000 | 4,099 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2022% | 553 |
| Cost of funding earning assets | 0.6994% | 1,627 |
| Net interest margin | 4.5027% | 699 |
| Noninterest income to average assets | 0.5367% | 2,659 |
| Noninterest expense to average assets | 3.5108% | 987 |
| Loan and lease loss provision to assets | 0.0830% | 2,255 |
| Net operating income to assets | 0.8598% | 3,629 |
| Return on assets (ROA) | 0.8557% | 3,647 |
| Pretax return on assets | 1.0942% | 3,343 |
| Return on Equity (ROE) | 9.4515% | 2,826 |
| Retained earnings to average equity (ytd only) | 3.9811% | 3,620 |
| Net charge-offs to loans | 0.0489% | 1,908 |
| Credit loss provision to net charge-offs | 213.3333% | 1,250 |
| Earnings coverage of net charge-offs (x) | 30.4000% | 1,491 |
| Efficiency ratio | 74.8066% | 1,592 |
| Assets per employee ($millions) | 3.3280% | 4,789 |
| Cash dividends to net income (ytd only)* | 57.8788% | 1,402 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2878% | 2,227 |
| Loan loss allowance to noncurrent loans | 258.0858% | 1,859 |
| Noncurrent assets plus other real estate owned to assets | 1.1706% | 1,237 |
| Noncurrent loans to loans | 0.4990% | 2,927 |
| Net loans and leases to total assets | 78.3105% | 1,264 |
| Net loans and leases to deposits | 87.7564% | 2,136 |
| Net loans and leases to core deposits | 100.3684% | 1,706 |
| Total domestic deposits to total assets | 89.2363% | 838 |
| Equity capital to assets | 9.1777% | 4,400 |
| Core capital (leverage) ratio | 9.3969% | 4,251 |
| Tier 1 risk-based capital ratio | 11.2595% | 4,918 |
| Total risk-based capital ratio | 12.4725% | 4,836 |
| Memoranda: | ||
| Average total assets | $77,133,670 | 4,568 |
| Average earning assets | $71,201,330 | 4,564 |
| Average equity | $6,983,000 | 4,848 |
| Average total loans | $61,370,000 | 4,128 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1315% | 553 |
| Cost of funding earning assets | 0.6386% | 1,784 |
| Net interest margin | 4.4928% | 629 |
| Noninterest income to average assets | 0.5321% | 2,621 |
| Noninterest expense to average assets | 3.5439% | 930 |
| Loan and lease loss provision to assets | 0.1601% | 1,125 |
| Net operating income to assets | 0.7646% | 3,851 |
| Return on assets (ROA) | 0.7646% | 3,852 |
| Pretax return on assets | 0.9712% | 3,629 |
| Return on Equity (ROE) | 8.5033% | 3,151 |
| Retained earnings to average equity (ytd only) | 0.8618% | 4,657 |
| Net charge-offs to loans | -0.0648% | 5,078 |
| Credit loss provision to net charge-offs | -310.0000% | 3,893 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.8011% | 1,619 |
| Assets per employee ($millions) | 3.3410% | 4,853 |
| Cash dividends to net income (ytd only)* | 89.8649% | 693 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3107% | 2,197 |
| Loan loss allowance to noncurrent loans | 261.6883% | 1,823 |
| Noncurrent assets plus other real estate owned to assets | 1.1725% | 1,307 |
| Noncurrent loans to loans | 0.5008% | 3,012 |
| Net loans and leases to total assets | 78.9802% | 1,086 |
| Net loans and leases to deposits | 92.0005% | 1,450 |
| Net loans and leases to core deposits | 105.2659% | 1,295 |
| Total domestic deposits to total assets | 85.8476% | 2,612 |
| Equity capital to assets | 9.0029% | 4,550 |
| Core capital (leverage) ratio | 9.1998% | 4,432 |
| Tier 1 risk-based capital ratio | 11.0326% | 5,115 |
| Total risk-based capital ratio | 12.2790% | 5,018 |
| Memoranda: | ||
| Average total assets | $77,428,500 | 4,617 |
| Average earning assets | $71,402,500 | 4,611 |
| Average equity | $6,962,000 | 4,899 |
| Average total loans | $61,693,000 | 4,162 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0598% | 576 |
| Cost of funding earning assets | 0.5367% | 2,059 |
| Net interest margin | 4.5230% | 586 |
| Noninterest income to average assets | 0.3865% | 3,725 |
| Noninterest expense to average assets | 3.4995% | 1,037 |
| Loan and lease loss provision to assets | 0.0983% | 2,259 |
| Net operating income to assets | 0.7271% | 3,485 |
| Return on assets (ROA) | 0.7271% | 3,523 |
| Pretax return on assets | 0.9289% | 3,816 |
| Return on Equity (ROE) | 8.0052% | 2,791 |
| Retained earnings to average equity (ytd only) | 3.2165% | 3,376 |
| Net charge-offs to loans | 0.1519% | 1,588 |
| Credit loss provision to net charge-offs | 85.2273% | 2,861 |
| Earnings coverage of net charge-offs (x) | 8.9091% | 2,854 |
| Efficiency ratio | 77.3082% | 1,446 |
| Assets per employee ($millions) | 3.3920% | 4,832 |
| Cash dividends to net income (ytd only)* | 59.8198% | 1,763 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2361% | 2,561 |
| Loan loss allowance to noncurrent loans | 164.8707% | 2,629 |
| Noncurrent assets plus other real estate owned to assets | 1.3549% | 1,052 |
| Noncurrent loans to loans | 0.7497% | 2,329 |
| Net loans and leases to total assets | 78.3503% | 1,240 |
| Net loans and leases to deposits | 93.2779% | 1,360 |
| Net loans and leases to core deposits | 106.8750% | 1,221 |
| Total domestic deposits to total assets | 83.9967% | 3,210 |
| Equity capital to assets | 8.9803% | 4,740 |
| Core capital (leverage) ratio | 9.2537% | 4,342 |
| Tier 1 risk-based capital ratio | 11.0035% | 5,145 |
| Total risk-based capital ratio | 12.1891% | 5,065 |
| Memoranda: | ||
| Average total assets | $76,326,200 | 4,662 |
| Average earning assets | $69,865,000 | 4,669 |
| Average equity | $6,933,000 | 4,952 |
| Average total loans | $57,918,400 | 4,245 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0064% | 606 |
| Cost of funding earning assets | 0.5268% | 2,060 |
| Net interest margin | 4.4796% | 629 |
| Noninterest income to average assets | 0.3636% | 3,925 |
| Noninterest expense to average assets | 3.4868% | 1,015 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.6622% | 4,148 |
| Return on assets (ROA) | 0.6622% | 4,204 |
| Pretax return on assets | 0.9696% | 3,803 |
| Return on Equity (ROE) | 7.2692% | 3,509 |
| Retained earnings to average equity (ytd only) | 3.9142% | 3,592 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.2420% | 1,301 |
| Assets per employee ($millions) | 3.2045% | 5,057 |
| Cash dividends to net income (ytd only)* | 46.1534% | 1,961 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3653% | 2,056 |
| Loan loss allowance to noncurrent loans | 196.9620% | 2,265 |
| Noncurrent assets plus other real estate owned to assets | 1.5668% | 952 |
| Noncurrent loans to loans | 0.6932% | 2,632 |
| Net loans and leases to total assets | 73.0799% | 2,082 |
| Net loans and leases to deposits | 84.3602% | 2,518 |
| Net loans and leases to core deposits | 96.7717% | 1,997 |
| Total domestic deposits to total assets | 86.6284% | 2,031 |
| Equity capital to assets | 9.1498% | 4,771 |
| Core capital (leverage) ratio | 9.4115% | 4,278 |
| Tier 1 risk-based capital ratio | 11.5558% | 4,922 |
| Total risk-based capital ratio | 12.8060% | 4,810 |
| Memoranda: | ||
| Average total assets | $75,904,000 | 4,715 |
| Average earning assets | $69,349,000 | 4,728 |
| Average equity | $6,914,750 | 5,007 |
| Average total loans | $56,925,500 | 4,308 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0186% | 546 |
| Cost of funding earning assets | 0.5210% | 2,005 |
| Net interest margin | 4.4977% | 569 |
| Noninterest income to average assets | 0.4261% | 3,518 |
| Noninterest expense to average assets | 3.4062% | 1,151 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.7702% | 3,543 |
| Return on assets (ROA) | 0.7702% | 3,594 |
| Pretax return on assets | 1.1327% | 3,041 |
| Return on Equity (ROE) | 8.4667% | 2,791 |
| Retained earnings to average equity (ytd only) | 5.0916% | 2,646 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.0437% | 1,851 |
| Assets per employee ($millions) | 3.2009% | 5,093 |
| Cash dividends to net income (ytd only)* | 39.8625% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3979% | 1,957 |
| Loan loss allowance to noncurrent loans | 270.1389% | 1,728 |
| Noncurrent assets plus other real estate owned to assets | 1.6735% | 874 |
| Noncurrent loans to loans | 0.5175% | 3,203 |
| Net loans and leases to total assets | 74.5395% | 1,772 |
| Net loans and leases to deposits | 88.0100% | 1,980 |
| Net loans and leases to core deposits | 101.9583% | 1,511 |
| Total domestic deposits to total assets | 84.6944% | 2,938 |
| Equity capital to assets | 9.5273% | 4,384 |
| Core capital (leverage) ratio | 9.4007% | 4,231 |
| Tier 1 risk-based capital ratio | 11.6976% | 4,841 |
| Total risk-based capital ratio | 12.9483% | 4,722 |
| Memoranda: | ||
| Average total assets | $75,569,000 | 4,751 |
| Average earning assets | $69,102,330 | 4,764 |
| Average equity | $6,874,000 | 5,041 |
| Average total loans | $56,906,330 | 4,335 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9556% | 561 |
| Cost of funding earning assets | 0.5126% | 1,986 |
| Net interest margin | 4.4429% | 584 |
| Noninterest income to average assets | 0.3972% | 3,680 |
| Noninterest expense to average assets | 3.2870% | 1,412 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.8152% | 3,149 |
| Return on assets (ROA) | 0.8152% | 3,203 |
| Pretax return on assets | 1.1863% | 2,647 |
| Return on Equity (ROE) | 9.1711% | 2,329 |
| Retained earnings to average equity (ytd only) | 5.7613% | 2,465 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4813% | 2,324 |
| Assets per employee ($millions) | 3.4990% | 4,788 |
| Cash dividends to net income (ytd only)* | 37.1795% | 2,101 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3839% | 2,147 |
| Loan loss allowance to noncurrent loans | 269.2042% | 1,768 |
| Noncurrent assets plus other real estate owned to assets | 1.5498% | 1,017 |
| Noncurrent loans to loans | 0.5141% | 3,276 |
| Net loans and leases to total assets | 72.0170% | 2,074 |
| Net loans and leases to deposits | 83.2115% | 2,369 |
| Net loans and leases to core deposits | 96.4089% | 1,790 |
| Total domestic deposits to total assets | 86.5470% | 2,419 |
| Equity capital to assets | 8.9154% | 4,896 |
| Core capital (leverage) ratio | 9.2455% | 4,418 |
| Tier 1 risk-based capital ratio | 11.4000% | 5,090 |
| Total risk-based capital ratio | 12.6504% | 4,989 |
| Memoranda: | ||
| Average total assets | $76,543,500 | 4,782 |
| Average earning assets | $70,224,000 | 4,785 |
| Average equity | $6,804,000 | 5,099 |
| Average total loans | $57,532,500 | 4,366 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1399% | 463 |
| Cost of funding earning assets | 0.5310% | 1,863 |
| Net interest margin | 4.6089% | 502 |
| Noninterest income to average assets | 0.5848% | 2,740 |
| Noninterest expense to average assets | 3.5234% | 1,125 |
| Loan and lease loss provision to assets | 0.1205% | 2,052 |
| Net operating income to assets | 0.7814% | 3,396 |
| Return on assets (ROA) | 0.7932% | 3,439 |
| Pretax return on assets | 1.1763% | 2,773 |
| Return on Equity (ROE) | 8.5202% | 2,661 |
| Retained earnings to average equity (ytd only) | 2.2391% | 4,257 |
| Net charge-offs to loans | 0.0663% | 2,746 |
| Credit loss provision to net charge-offs | 234.2105% | 1,230 |
| Earnings coverage of net charge-offs (x) | 24.8684% | 1,614 |
| Efficiency ratio | 73.3653% | 2,363 |
| Assets per employee ($millions) | 3.4595% | 4,821 |
| Cash dividends to net income (ytd only)* | 73.7201% | 1,150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3220% | 2,421 |
| Loan loss allowance to noncurrent loans | 282.9091% | 1,708 |
| Noncurrent assets plus other real estate owned to assets | 1.3284% | 1,311 |
| Noncurrent loans to loans | 0.4673% | 3,480 |
| Net loans and leases to total assets | 76.3008% | 1,467 |
| Net loans and leases to deposits | 88.1386% | 1,907 |
| Net loans and leases to core deposits | 102.2917% | 1,431 |
| Total domestic deposits to total assets | 86.5691% | 2,345 |
| Equity capital to assets | 8.8624% | 4,954 |
| Core capital (leverage) ratio | 9.1920% | 4,489 |
| Tier 1 risk-based capital ratio | 10.9157% | 5,387 |
| Total risk-based capital ratio | 12.1506% | 5,281 |
| Memoranda: | ||
| Average total assets | $73,876,600 | 4,852 |
| Average earning assets | $67,607,800 | 4,854 |
| Average equity | $6,877,800 | 5,118 |
| Average total loans | $57,283,000 | 4,367 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1842% | 436 |
| Cost of funding earning assets | 0.5349% | 1,834 |
| Net interest margin | 4.6493% | 467 |
| Noninterest income to average assets | 0.6183% | 2,575 |
| Noninterest expense to average assets | 3.5152% | 1,124 |
| Loan and lease loss provision to assets | 0.1618% | 1,431 |
| Net operating income to assets | 0.8053% | 3,340 |
| Return on assets (ROA) | 0.8201% | 3,414 |
| Pretax return on assets | 1.2148% | 2,778 |
| Return on Equity (ROE) | 8.7009% | 2,665 |
| Retained earnings to average equity (ytd only) | 5.3439% | 2,590 |
| Net charge-offs to loans | 0.0914% | 2,046 |
| Credit loss provision to net charge-offs | 228.2051% | 1,294 |
| Earnings coverage of net charge-offs (x) | 19.1021% | 1,958 |
| Efficiency ratio | 72.1807% | 2,555 |
| Assets per employee ($millions) | 3.4464% | 4,844 |
| Cash dividends to net income (ytd only)* | 38.5801% | 2,418 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3326% | 2,522 |
| Loan loss allowance to noncurrent loans | 400.5155% | 1,268 |
| Noncurrent assets plus other real estate owned to assets | 1.0920% | 1,872 |
| Noncurrent loans to loans | 0.3327% | 4,061 |
| Net loans and leases to total assets | 75.8774% | 1,538 |
| Net loans and leases to deposits | 88.6661% | 1,936 |
| Net loans and leases to core deposits | 98.9815% | 1,727 |
| Total domestic deposits to total assets | 85.5766% | 2,566 |
| Equity capital to assets | 9.2890% | 4,876 |
| Core capital (leverage) ratio | 9.3588% | 4,380 |
| Tier 1 risk-based capital ratio | 11.2434% | 5,231 |
| Total risk-based capital ratio | 12.4914% | 5,134 |
| Memoranda: | ||
| Average total assets | $73,318,750 | 4,900 |
| Average earning assets | $67,047,750 | 4,908 |
| Average equity | $6,911,000 | 5,162 |
| Average total loans | $56,891,500 | 4,415 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1820% | 436 |
| Cost of funding earning assets | 0.5366% | 1,808 |
| Net interest margin | 4.6454% | 463 |
| Noninterest income to average assets | 0.5987% | 2,628 |
| Noninterest expense to average assets | 3.4876% | 1,182 |
| Loan and lease loss provision to assets | 0.1048% | 2,107 |
| Net operating income to assets | 0.8514% | 3,091 |
| Return on assets (ROA) | 0.8664% | 3,138 |
| Pretax return on assets | 1.2803% | 2,484 |
| Return on Equity (ROE) | 9.1452% | 2,434 |
| Retained earnings to average equity (ytd only) | 5.7667% | 2,258 |
| Net charge-offs to loans | 0.1383% | 1,497 |
| Credit loss provision to net charge-offs | 97.4359% | 2,159 |
| Earnings coverage of net charge-offs (x) | 12.6667% | 2,173 |
| Efficiency ratio | 71.8999% | 2,671 |
| Assets per employee ($millions) | 3.1921% | 5,215 |
| Cash dividends to net income (ytd only)* | 36.9427% | 2,562 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3137% | 2,713 |
| Loan loss allowance to noncurrent loans | 292.7419% | 1,682 |
| Noncurrent assets plus other real estate owned to assets | 1.1455% | 1,848 |
| Noncurrent loans to loans | 0.4488% | 3,759 |
| Net loans and leases to total assets | 74.2805% | 1,787 |
| Net loans and leases to deposits | 87.1837% | 2,113 |
| Net loans and leases to core deposits | 98.1658% | 1,792 |
| Total domestic deposits to total assets | 85.2000% | 2,784 |
| Equity capital to assets | 9.5207% | 4,751 |
| Core capital (leverage) ratio | 9.3714% | 4,371 |
| Tier 1 risk-based capital ratio | 11.8547% | 4,939 |
| Total risk-based capital ratio | 13.0982% | 4,822 |
| Memoranda: | ||
| Average total assets | $72,484,670 | 4,971 |
| Average earning assets | $66,345,330 | 4,971 |
| Average equity | $6,867,000 | 5,222 |
| Average total loans | $56,419,330 | 4,461 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3036% | 354 |
| Cost of funding earning assets | 0.5643% | 1,590 |
| Net interest margin | 4.7393% | 400 |
| Noninterest income to average assets | 0.5332% | 2,911 |
| Noninterest expense to average assets | 3.3881% | 1,405 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.0109% | 2,224 |
| Return on assets (ROA) | 1.0109% | 2,340 |
| Pretax return on assets | 1.4830% | 1,649 |
| Return on Equity (ROE) | 10.6972% | 1,716 |
| Retained earnings to average equity (ytd only) | 7.2882% | 1,754 |
| Net charge-offs to loans | -0.0070% | 4,395 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5553% | 3,202 |
| Assets per employee ($millions) | 3.1017% | 5,401 |
| Cash dividends to net income (ytd only)* | 31.8681% | 2,318 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2995% | 2,897 |
| Loan loss allowance to noncurrent loans | 268.6347% | 1,768 |
| Noncurrent assets plus other real estate owned to assets | 1.2111% | 1,800 |
| Noncurrent loans to loans | 0.4837% | 3,732 |
| Net loans and leases to total assets | 77.5063% | 1,165 |
| Net loans and leases to deposits | 91.6828% | 1,391 |
| Net loans and leases to core deposits | 101.9752% | 1,341 |
| Total domestic deposits to total assets | 84.5374% | 3,300 |
| Equity capital to assets | 9.6355% | 4,524 |
| Core capital (leverage) ratio | 9.4831% | 4,224 |
| Tier 1 risk-based capital ratio | 12.1255% | 4,832 |
| Total risk-based capital ratio | 13.3756% | 4,736 |
| Memoranda: | ||
| Average total assets | $72,017,500 | 5,027 |
| Average earning assets | $65,917,500 | 5,027 |
| Average equity | $6,805,500 | 5,271 |
| Average total loans | $56,998,000 | 4,473 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2894% | 374 |
| Cost of funding earning assets | 0.5567% | 1,705 |
| Net interest margin | 4.7327% | 429 |
| Noninterest income to average assets | 0.4551% | 3,628 |
| Noninterest expense to average assets | 3.6274% | 1,075 |
| Loan and lease loss provision to assets | 0.0984% | 2,344 |
| Net operating income to assets | 0.7007% | 3,806 |
| Return on assets (ROA) | 0.6998% | 3,918 |
| Pretax return on assets | 1.0387% | 3,313 |
| Return on Equity (ROE) | 7.5554% | 3,212 |
| Retained earnings to average equity (ytd only) | 0.5755% | 5,286 |
| Net charge-offs to loans | 0.0018% | 4,415 |
| Credit loss provision to net charge-offs | 7,200.0000% | 47 |
| Earnings coverage of net charge-offs (x) | 833.0000% | 73 |
| Efficiency ratio | 76.1113% | 2,252 |
| Assets per employee ($millions) | 3.1607% | 5,335 |
| Cash dividends to net income (ytd only)* | 92.3828% | 552 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2540% | 3,144 |
| Loan loss allowance to noncurrent loans | 279.6154% | 1,762 |
| Noncurrent assets plus other real estate owned to assets | 1.1734% | 1,856 |
| Noncurrent loans to loans | 0.4485% | 3,865 |
| Net loans and leases to total assets | 78.7509% | 1,023 |
| Net loans and leases to deposits | 94.9764% | 1,115 |
| Net loans and leases to core deposits | 105.6217% | 1,121 |
| Total domestic deposits to total assets | 82.9163% | 3,864 |
| Equity capital to assets | 9.2675% | 4,823 |
| Core capital (leverage) ratio | 9.0849% | 4,770 |
| Tier 1 risk-based capital ratio | 11.1378% | 5,448 |
| Total risk-based capital ratio | 12.3422% | 5,377 |
| Memoranda: | ||
| Average total assets | $73,165,200 | 5,009 |
| Average earning assets | $66,643,200 | 5,029 |
| Average equity | $6,776,600 | 5,282 |
| Average total loans | $56,867,200 | 4,469 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2802% | 384 |
| Cost of funding earning assets | 0.5564% | 1,749 |
| Net interest margin | 4.7238% | 437 |
| Noninterest income to average assets | 0.4403% | 3,792 |
| Noninterest expense to average assets | 3.6206% | 1,081 |
| Loan and lease loss provision to assets | 0.1183% | 1,925 |
| Net operating income to assets | 0.6726% | 4,020 |
| Return on assets (ROA) | 0.6714% | 4,137 |
| Pretax return on assets | 0.9934% | 3,637 |
| Return on Equity (ROE) | 7.2495% | 3,495 |
| Retained earnings to average equity (ytd only) | 3.8310% | 3,749 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4796% | 2,163 |
| Assets per employee ($millions) | 3.3541% | 5,051 |
| Cash dividends to net income (ytd only)* | 47.1534% | 1,998 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2477% | 3,386 |
| Loan loss allowance to noncurrent loans | 309.8712% | 1,572 |
| Noncurrent assets plus other real estate owned to assets | 0.3158% | 4,502 |
| Noncurrent loans to loans | 0.4027% | 4,173 |
| Net loans and leases to total assets | 77.4414% | 1,186 |
| Net loans and leases to deposits | 94.1913% | 1,184 |
| Net loans and leases to core deposits | 104.6019% | 1,192 |
| Total domestic deposits to total assets | 82.2171% | 4,097 |
| Equity capital to assets | 9.3387% | 4,957 |
| Core capital (leverage) ratio | 9.3256% | 4,551 |
| Tier 1 risk-based capital ratio | 11.3419% | 5,466 |
| Total risk-based capital ratio | 12.5324% | 5,400 |
| Memoranda: | ||
| Average total assets | $73,282,750 | 5,069 |
| Average earning assets | $66,612,000 | 5,085 |
| Average equity | $6,786,500 | 5,348 |
| Average total loans | $56,590,250 | 4,521 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2380% | 405 |
| Cost of funding earning assets | 0.5512% | 1,803 |
| Net interest margin | 4.6868% | 456 |
| Noninterest income to average assets | 0.4431% | 3,759 |
| Noninterest expense to average assets | 3.6163% | 1,098 |
| Loan and lease loss provision to assets | 0.1122% | 1,963 |
| Net operating income to assets | 0.6565% | 4,096 |
| Return on assets (ROA) | 0.6565% | 4,200 |
| Pretax return on assets | 0.9711% | 3,692 |
| Return on Equity (ROE) | 7.1094% | 3,543 |
| Retained earnings to average equity (ytd only) | 3.6732% | 3,686 |
| Net charge-offs to loans | -0.0107% | 4,939 |
| Credit loss provision to net charge-offs | -1,366.6667% | 5,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.9499% | 2,210 |
| Assets per employee ($millions) | 3.6832% | 4,462 |
| Cash dividends to net income (ytd only)* | 48.3333% | 2,004 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2351% | 3,594 |
| Loan loss allowance to noncurrent loans | 295.7806% | 1,636 |
| Noncurrent assets plus other real estate owned to assets | 0.5661% | 3,719 |
| Noncurrent loans to loans | 0.4176% | 4,222 |
| Net loans and leases to total assets | 76.0955% | 1,355 |
| Net loans and leases to deposits | 91.6470% | 1,405 |
| Net loans and leases to core deposits | 102.3873% | 1,300 |
| Total domestic deposits to total assets | 83.0311% | 3,941 |
| Equity capital to assets | 9.2067% | 5,007 |
| Core capital (leverage) ratio | 9.4309% | 4,375 |
| Tier 1 risk-based capital ratio | 11.3391% | 5,552 |
| Total risk-based capital ratio | 12.5067% | 5,521 |
| Memoranda: | ||
| Average total assets | $73,113,670 | 5,124 |
| Average earning assets | $66,399,330 | 5,143 |
| Average equity | $6,751,670 | 5,399 |
| Average total loans | $56,165,000 | 4,577 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3110% | 349 |
| Cost of funding earning assets | 0.5613% | 1,738 |
| Net interest margin | 4.7498% | 381 |
| Noninterest income to average assets | 0.4613% | 3,566 |
| Noninterest expense to average assets | 3.6519% | 1,069 |
| Loan and lease loss provision to assets | 0.0714% | 2,515 |
| Net operating income to assets | 0.7194% | 3,701 |
| Return on assets (ROA) | 0.7194% | 3,831 |
| Pretax return on assets | 1.0599% | 3,264 |
| Return on Equity (ROE) | 7.7785% | 3,080 |
| Retained earnings to average equity (ytd only) | 4.3346% | 3,412 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.3490% | 2,461 |
| Assets per employee ($millions) | 3.6165% | 4,690 |
| Cash dividends to net income (ytd only)* | 44.2748% | 1,916 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2096% | 3,920 |
| Loan loss allowance to noncurrent loans | 465.2778% | 1,071 |
| Noncurrent assets plus other real estate owned to assets | 0.4480% | 4,242 |
| Noncurrent loans to loans | 0.2600% | 4,853 |
| Net loans and leases to total assets | 75.6571% | 1,259 |
| Net loans and leases to deposits | 86.7708% | 1,742 |
| Net loans and leases to core deposits | 95.8841% | 1,624 |
| Total domestic deposits to total assets | 87.1919% | 2,274 |
| Equity capital to assets | 9.3738% | 4,887 |
| Core capital (leverage) ratio | 9.2757% | 4,617 |
| Tier 1 risk-based capital ratio | 11.7855% | 5,383 |
| Total risk-based capital ratio | 12.9541% | 5,339 |
| Memoranda: | ||
| Average total assets | $72,838,500 | 5,175 |
| Average earning assets | $66,277,000 | 5,192 |
| Average equity | $6,736,500 | 5,454 |
| Average total loans | $55,869,500 | 4,615 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4590% | 342 |
| Cost of funding earning assets | 0.6101% | 1,678 |
| Net interest margin | 4.8489% | 399 |
| Noninterest income to average assets | 0.5335% | 3,282 |
| Noninterest expense to average assets | 3.7397% | 1,079 |
| Loan and lease loss provision to assets | 0.3126% | 647 |
| Net operating income to assets | 0.5795% | 4,460 |
| Return on assets (ROA) | 0.6390% | 4,297 |
| Pretax return on assets | 0.9530% | 3,675 |
| Return on Equity (ROE) | 7.0639% | 3,589 |
| Retained earnings to average equity (ytd only) | 3.5934% | 3,662 |
| Net charge-offs to loans | 0.3467% | 1,267 |
| Credit loss provision to net charge-offs | 121.6216% | 1,974 |
| Earnings coverage of net charge-offs (x) | 4.5784% | 3,617 |
| Efficiency ratio | 76.0667% | 2,498 |
| Assets per employee ($millions) | 3.4928% | 4,917 |
| Cash dividends to net income (ytd only)* | 49.1304% | 2,327 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1660% | 4,191 |
| Loan loss allowance to noncurrent loans | 772.9412% | 753 |
| Noncurrent assets plus other real estate owned to assets | 0.3613% | 4,622 |
| Noncurrent loans to loans | 0.1509% | 5,291 |
| Net loans and leases to total assets | 75.9257% | 1,279 |
| Net loans and leases to deposits | 88.1073% | 1,725 |
| Net loans and leases to core deposits | 97.3584% | 1,605 |
| Total domestic deposits to total assets | 86.1741% | 2,735 |
| Equity capital to assets | 9.1250% | 5,157 |
| Core capital (leverage) ratio | 8.9755% | 5,030 |
| Tier 1 risk-based capital ratio | 11.4110% | 5,712 |
| Total risk-based capital ratio | 12.5327% | 5,694 |
| Memoranda: | ||
| Average total assets | $71,983,600 | 5,228 |
| Average earning assets | $65,066,600 | 5,248 |
| Average equity | $6,512,000 | 5,521 |
| Average total loans | $53,364,200 | 4,713 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4514% | 341 |
| Cost of funding earning assets | 0.6213% | 1,665 |
| Net interest margin | 4.8301% | 401 |
| Noninterest income to average assets | 0.5565% | 3,161 |
| Noninterest expense to average assets | 3.8058% | 966 |
| Loan and lease loss provision to assets | 0.2717% | 770 |
| Net operating income to assets | 0.5599% | 4,635 |
| Return on assets (ROA) | 0.6048% | 4,514 |
| Pretax return on assets | 0.9007% | 3,980 |
| Return on Equity (ROE) | 6.7007% | 3,852 |
| Retained earnings to average equity (ytd only) | 3.2370% | 4,326 |
| Net charge-offs to loans | 0.1242% | 2,569 |
| Credit loss provision to net charge-offs | 297.9592% | 915 |
| Earnings coverage of net charge-offs (x) | 12.1228% | 2,346 |
| Efficiency ratio | 77.4915% | 2,264 |
| Assets per employee ($millions) | 3.5850% | 4,706 |
| Cash dividends to net income (ytd only)* | 51.6916% | 1,771 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2441% | 3,994 |
| Loan loss allowance to noncurrent loans | 475.3333% | 1,015 |
| Noncurrent assets plus other real estate owned to assets | 0.6455% | 3,902 |
| Noncurrent loans to loans | 0.2617% | 5,125 |
| Net loans and leases to total assets | 75.1757% | 1,336 |
| Net loans and leases to deposits | 88.5281% | 1,607 |
| Net loans and leases to core deposits | 97.7276% | 1,536 |
| Total domestic deposits to total assets | 84.9173% | 3,369 |
| Equity capital to assets | 8.7813% | 5,566 |
| Core capital (leverage) ratio | 8.8859% | 5,208 |
| Tier 1 risk-based capital ratio | 11.2139% | 5,906 |
| Total risk-based capital ratio | 12.4240% | 5,873 |
| Memoranda: | ||
| Average total assets | $71,642,500 | 5,293 |
| Average earning assets | $64,593,750 | 5,315 |
| Average equity | $6,466,750 | 5,589 |
| Average total loans | $52,618,500 | 4,774 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4006% | 370 |
| Cost of funding earning assets | 0.6341% | 1,625 |
| Net interest margin | 4.7665% | 437 |
| Noninterest income to average assets | 0.5566% | 3,072 |
| Noninterest expense to average assets | 3.8592% | 897 |
| Loan and lease loss provision to assets | 0.2811% | 721 |
| Net operating income to assets | 0.4714% | 4,929 |
| Return on assets (ROA) | 0.4714% | 4,999 |
| Pretax return on assets | 0.7071% | 4,616 |
| Return on Equity (ROE) | 5.1724% | 4,592 |
| Retained earnings to average equity (ytd only) | 1.7449% | 5,026 |
| Net charge-offs to loans | 0.2507% | 1,553 |
| Credit loss provision to net charge-offs | 154.6875% | 1,428 |
| Earnings coverage of net charge-offs (x) | 5.4375% | 2,928 |
| Efficiency ratio | 79.6134% | 2,077 |
| Assets per employee ($millions) | 3.0541% | 5,685 |
| Cash dividends to net income (ytd only)* | 66.2651% | 1,287 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1853% | 4,493 |
| Loan loss allowance to noncurrent loans | 1,105.0847% | 485 |
| Noncurrent assets plus other real estate owned to assets | 0.5621% | 4,304 |
| Noncurrent loans to loans | 0.1073% | 5,694 |
| Net loans and leases to total assets | 74.1538% | 1,421 |
| Net loans and leases to deposits | 87.4956% | 1,658 |
| Net loans and leases to core deposits | 97.2013% | 1,505 |
| Total domestic deposits to total assets | 84.7515% | 3,617 |
| Equity capital to assets | 8.9005% | 5,410 |
| Core capital (leverage) ratio | 9.2287% | 4,696 |
| Tier 1 risk-based capital ratio | 11.2808% | 5,915 |
| Total risk-based capital ratio | 12.4112% | 5,918 |
| Memoranda: | ||
| Average total assets | $70,428,330 | 5,378 |
| Average earning assets | $63,400,330 | 5,407 |
| Average equity | $6,418,670 | 5,626 |
| Average total loans | $51,055,000 | 4,856 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3822% | 359 |
| Cost of funding earning assets | 0.6663% | 1,464 |
| Net interest margin | 4.7159% | 452 |
| Noninterest income to average assets | 0.5102% | 3,328 |
| Noninterest expense to average assets | 3.8671% | 907 |
| Loan and lease loss provision to assets | 0.2551% | 839 |
| Net operating income to assets | 0.3826% | 5,174 |
| Return on assets (ROA) | 0.3826% | 5,249 |
| Pretax return on assets | 0.6146% | 4,782 |
| Return on Equity (ROE) | 4.1470% | 4,965 |
| Retained earnings to average equity (ytd only) | 0.6912% | 5,318 |
| Net charge-offs to loans | 0.5216% | 709 |
| Credit loss provision to net charge-offs | 68.7500% | 2,018 |
| Earnings coverage of net charge-offs (x) | 2.3438% | 2,898 |
| Efficiency ratio | 81.6401% | 1,974 |
| Assets per employee ($millions) | 2.9027% | 5,974 |
| Cash dividends to net income (ytd only)* | 83.3333% | 907 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1967% | 4,646 |
| Loan loss allowance to noncurrent loans | 533.0357% | 888 |
| Noncurrent assets plus other real estate owned to assets | 0.6847% | 4,053 |
| Noncurrent loans to loans | 0.2245% | 5,423 |
| Net loans and leases to total assets | 70.7525% | 1,766 |
| Net loans and leases to deposits | 81.0075% | 2,163 |
| Net loans and leases to core deposits | 90.9022% | 1,836 |
| Total domestic deposits to total assets | 87.3407% | 2,606 |
| Equity capital to assets | 9.1855% | 4,885 |
| Core capital (leverage) ratio | 9.3358% | 4,517 |
| Tier 1 risk-based capital ratio | 12.1104% | 5,563 |
| Total risk-based capital ratio | 13.2294% | 5,588 |
| Memoranda: | ||
| Average total assets | $68,993,000 | 5,474 |
| Average earning assets | $61,833,000 | 5,510 |
| Average equity | $6,366,000 | 5,674 |
| Average total loans | $49,079,500 | 4,966 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1775% | 676 |
| Cost of funding earning assets | 0.6508% | 2,196 |
| Net interest margin | 4.5266% | 701 |
| Noninterest income to average assets | 0.5779% | 3,225 |
| Noninterest expense to average assets | 3.7850% | 1,163 |
| Loan and lease loss provision to assets | 0.7366% | 298 |
| Net operating income to assets | 0.1043% | 6,037 |
| Return on assets (ROA) | 0.3232% | 5,543 |
| Pretax return on assets | 0.3319% | 5,640 |
| Return on Equity (ROE) | 3.4163% | 5,359 |
| Retained earnings to average equity (ytd only) | 0.5694% | 5,587 |
| Net charge-offs to loans | 0.9682% | 614 |
| Credit loss provision to net charge-offs | 114.4796% | 2,109 |
| Earnings coverage of net charge-offs (x) | 1.3100% | 4,625 |
| Efficiency ratio | 81.7867% | 1,906 |
| Assets per employee ($millions) | 2.9705% | 5,872 |
| Cash dividends to net income (ytd only)* | 83.3333% | 810 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2781% | 4,255 |
| Loan loss allowance to noncurrent loans | 599.0291% | 819 |
| Noncurrent assets plus other real estate owned to assets | 0.6850% | 4,192 |
| Noncurrent loans to loans | 0.2134% | 5,540 |
| Net loans and leases to total assets | 69.7521% | 2,057 |
| Net loans and leases to deposits | 80.0551% | 2,451 |
| Net loans and leases to core deposits | 88.8226% | 2,153 |
| Total domestic deposits to total assets | 87.1301% | 2,657 |
| Equity capital to assets | 9.2693% | 4,722 |
| Core capital (leverage) ratio | 9.4200% | 4,382 |
| Tier 1 risk-based capital ratio | 12.2852% | 5,437 |
| Total risk-based capital ratio | 13.4604% | 5,415 |
| Memoranda: | ||
| Average total assets | $68,693,000 | 5,519 |
| Average earning assets | $61,458,800 | 5,552 |
| Average equity | $6,498,200 | 5,693 |
| Average total loans | $45,652,600 | 5,127 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1215% | 742 |
| Cost of funding earning assets | 0.6480% | 2,376 |
| Net interest margin | 4.4734% | 764 |
| Noninterest income to average assets | 0.5989% | 3,152 |
| Noninterest expense to average assets | 3.8476% | 1,029 |
| Loan and lease loss provision to assets | 0.4109% | 724 |
| Net operating income to assets | 0.2786% | 5,679 |
| Return on assets (ROA) | 0.4749% | 5,062 |
| Pretax return on assets | 0.5834% | 5,083 |
| Return on Equity (ROE) | 4.9952% | 4,727 |
| Retained earnings to average equity (ytd only) | 2.7525% | 4,674 |
| Net charge-offs to loans | 0.1630% | 2,930 |
| Credit loss provision to net charge-offs | 385.4545% | 690 |
| Earnings coverage of net charge-offs (x) | 7.0547% | 2,857 |
| Efficiency ratio | 83.6494% | 1,645 |
| Assets per employee ($millions) | 2.9377% | 5,945 |
| Cash dividends to net income (ytd only)* | 44.8968% | 2,091 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5095% | 3,418 |
| Loan loss allowance to noncurrent loans | 145.4918% | 2,592 |
| Noncurrent assets plus other real estate owned to assets | 1.2802% | 3,086 |
| Noncurrent loans to loans | 1.0375% | 3,724 |
| Net loans and leases to total assets | 68.5626% | 2,221 |
| Net loans and leases to deposits | 78.8725% | 2,544 |
| Net loans and leases to core deposits | 85.2236% | 2,502 |
| Total domestic deposits to total assets | 86.9283% | 2,734 |
| Equity capital to assets | 9.4767% | 4,580 |
| Core capital (leverage) ratio | 9.7355% | 4,052 |
| Tier 1 risk-based capital ratio | 12.8231% | 5,245 |
| Total risk-based capital ratio | 14.0745% | 5,178 |
| Memoranda: | ||
| Average total assets | $68,785,750 | 5,572 |
| Average earning assets | $61,517,000 | 5,611 |
| Average equity | $6,539,500 | 5,753 |
| Average total loans | $44,997,500 | 5,200 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0869% | 792 |
| Cost of funding earning assets | 0.6601% | 2,400 |
| Net interest margin | 4.4268% | 810 |
| Noninterest income to average assets | 0.5868% | 3,277 |
| Noninterest expense to average assets | 3.8530% | 1,034 |
| Loan and lease loss provision to assets | 0.1734% | 2,172 |
| Net operating income to assets | 0.4281% | 5,116 |
| Return on assets (ROA) | 0.5001% | 4,971 |
| Pretax return on assets | 0.6012% | 5,005 |
| Return on Equity (ROE) | 5.2544% | 4,587 |
| Retained earnings to average equity (ytd only) | 3.5839% | 4,037 |
| Net charge-offs to loans | 0.2482% | 2,241 |
| Credit loss provision to net charge-offs | 109.0909% | 2,027 |
| Earnings coverage of net charge-offs (x) | 4.3273% | 3,163 |
| Efficiency ratio | 84.8504% | 1,548 |
| Assets per employee ($millions) | 2.9132% | 5,997 |
| Cash dividends to net income (ytd only)* | 31.7919% | 2,600 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2259% | 4,850 |
| Loan loss allowance to noncurrent loans | 311.7318% | 1,354 |
| Noncurrent assets plus other real estate owned to assets | 0.9000% | 3,989 |
| Noncurrent loans to loans | 0.3933% | 5,289 |
| Net loans and leases to total assets | 67.0985% | 2,397 |
| Net loans and leases to deposits | 77.3564% | 2,660 |
| Net loans and leases to core deposits | 82.4978% | 2,753 |
| Total domestic deposits to total assets | 86.7394% | 2,979 |
| Equity capital to assets | 9.6742% | 4,349 |
| Core capital (leverage) ratio | 9.6210% | 4,046 |
| Tier 1 risk-based capital ratio | 12.9247% | 5,203 |
| Total risk-based capital ratio | 14.0290% | 5,239 |
| Memoranda: | ||
| Average total assets | $69,192,330 | 5,600 |
| Average earning assets | $61,805,670 | 5,639 |
| Average equity | $6,585,000 | 5,783 |
| Average total loans | $44,318,330 | 5,252 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9874% | 912 |
| Cost of funding earning assets | 0.6569% | 2,593 |
| Net interest margin | 4.3305% | 908 |
| Noninterest income to average assets | 0.5520% | 3,425 |
| Noninterest expense to average assets | 3.6934% | 1,254 |
| Loan and lease loss provision to assets | 0.0797% | 3,312 |
| Net operating income to assets | 0.5552% | 4,430 |
| Return on assets (ROA) | 0.5748% | 4,485 |
| Pretax return on assets | 0.6658% | 4,722 |
| Return on Equity (ROE) | 6.0875% | 3,992 |
| Retained earnings to average equity (ytd only) | 6.0875% | 2,631 |
| Net charge-offs to loans | 0.3202% | 1,683 |
| Credit loss provision to net charge-offs | 40.0000% | 2,745 |
| Earnings coverage of net charge-offs (x) | 3.6286% | 2,720 |
| Efficiency ratio | 83.6340% | 1,816 |
| Assets per employee ($millions) | 3.0310% | 5,927 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2379% | 5,012 |
| Loan loss allowance to noncurrent loans | 1,297.5610% | 373 |
| Noncurrent assets plus other real estate owned to assets | 0.7172% | 4,581 |
| Noncurrent loans to loans | 0.0954% | 6,195 |
| Net loans and leases to total assets | 60.8862% | 3,271 |
| Net loans and leases to deposits | 70.0598% | 3,471 |
| Net loans and leases to core deposits | 74.5094% | 3,516 |
| Total domestic deposits to total assets | 86.9061% | 3,015 |
| Equity capital to assets | 9.5708% | 4,754 |
| Core capital (leverage) ratio | 9.3949% | 4,252 |
| Tier 1 risk-based capital ratio | 13.4917% | 4,880 |
| Total risk-based capital ratio | 14.5934% | 4,930 |
| Memoranda: | ||
| Average total assets | $70,287,000 | 5,618 |
| Average earning assets | $62,718,500 | 5,651 |
| Average equity | $6,636,500 | 5,834 |
| Average total loans | $43,719,500 | 5,313 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5678% | 546 |
| Cost of funding earning assets | 0.8396% | 2,363 |
| Net interest margin | 4.7282% | 618 |
| Noninterest income to average assets | 0.7307% | 2,586 |
| Noninterest expense to average assets | 3.6245% | 1,553 |
| Loan and lease loss provision to assets | 0.1355% | 3,932 |
| Net operating income to assets | 0.8686% | 2,964 |
| Return on assets (ROA) | 0.9057% | 3,027 |
| Pretax return on assets | 1.2300% | 2,684 |
| Return on Equity (ROE) | 9.3654% | 2,456 |
| Retained earnings to average equity (ytd only) | 7.7913% | 1,196 |
| Net charge-offs to loans | 0.0541% | 5,175 |
| Credit loss provision to net charge-offs | 370.8333% | 661 |
| Earnings coverage of net charge-offs (x) | 36.0000% | 874 |
| Efficiency ratio | 73.3744% | 3,175 |
| Assets per employee ($millions) | 3.3744% | 5,272 |
| Cash dividends to net income (ytd only)* | 16.8067% | 3,860 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2438% | 4,910 |
| Loan loss allowance to noncurrent loans | 273.7624% | 1,400 |
| Noncurrent assets plus other real estate owned to assets | 0.7747% | 4,524 |
| Noncurrent loans to loans | 0.4543% | 5,369 |
| Net loans and leases to total assets | 61.9641% | 3,258 |
| Net loans and leases to deposits | 71.0145% | 3,560 |
| Net loans and leases to core deposits | 75.3803% | 3,619 |
| Total domestic deposits to total assets | 87.2555% | 2,673 |
| Equity capital to assets | 9.3153% | 5,131 |
| Core capital (leverage) ratio | 9.0909% | 4,751 |
| Tier 1 risk-based capital ratio | 12.9086% | 5,180 |
| Total risk-based capital ratio | 14.0217% | 5,214 |
| Memoranda: | ||
| Average total assets | $65,691,800 | 5,756 |
| Average earning assets | $58,479,400 | 5,800 |
| Average equity | $6,353,200 | 5,926 |
| Average total loans | $44,361,000 | 5,309 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6344% | 527 |
| Cost of funding earning assets | 0.8813% | 2,303 |
| Net interest margin | 4.7531% | 603 |
| Noninterest income to average assets | 0.7226% | 2,609 |
| Noninterest expense to average assets | 3.6397% | 1,479 |
| Loan and lease loss provision to assets | 0.1284% | 3,945 |
| Net operating income to assets | 0.8929% | 3,016 |
| Return on assets (ROA) | 0.9441% | 2,998 |
| Pretax return on assets | 1.2546% | 2,771 |
| Return on Equity (ROE) | 9.6639% | 2,516 |
| Retained earnings to average equity (ytd only) | 7.5446% | 1,829 |
| Net charge-offs to loans | 0.0030% | 5,724 |
| Credit loss provision to net charge-offs | 6,200.0000% | 39 |
| Earnings coverage of net charge-offs (x) | 636.5789% | 64 |
| Efficiency ratio | 73.4643% | 3,076 |
| Assets per employee ($millions) | 3.2375% | 5,564 |
| Cash dividends to net income (ytd only)* | 21.9300% | 2,969 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2487% | 5,053 |
| Loan loss allowance to noncurrent loans | 160.5263% | 2,151 |
| Noncurrent assets plus other real estate owned to assets | 0.8796% | 4,522 |
| Noncurrent loans to loans | 0.7779% | 4,854 |
| Net loans and leases to total assets | 63.8607% | 3,046 |
| Net loans and leases to deposits | 73.7770% | 3,319 |
| Net loans and leases to core deposits | 78.9472% | 3,334 |
| Total domestic deposits to total assets | 86.5592% | 2,942 |
| Equity capital to assets | 9.5577% | 5,130 |
| Core capital (leverage) ratio | 9.1586% | 4,818 |
| Tier 1 risk-based capital ratio | 12.8502% | 5,369 |
| Total risk-based capital ratio | 13.9747% | 5,421 |
| Memoranda: | ||
| Average total assets | $64,399,250 | 5,868 |
| Average earning assets | $57,337,000 | 5,899 |
| Average equity | $6,291,250 | 6,010 |
| Average total loans | $44,335,750 | 5,381 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7474% | 438 |
| Cost of funding earning assets | 0.9407% | 2,117 |
| Net interest margin | 4.8067% | 553 |
| Noninterest income to average assets | 0.7436% | 2,450 |
| Noninterest expense to average assets | 3.7245% | 1,331 |
| Loan and lease loss provision to assets | 0.1424% | 3,736 |
| Net operating income to assets | 0.9060% | 2,887 |
| Return on assets (ROA) | 0.9810% | 2,781 |
| Pretax return on assets | 1.2404% | 2,763 |
| Return on Equity (ROE) | 9.9641% | 2,365 |
| Retained earnings to average equity (ytd only) | 6.7499% | 2,249 |
| Net charge-offs to loans | -0.0045% | 6,149 |
| Credit loss provision to net charge-offs | -4,500.0000% | 6,555 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3056% | 3,031 |
| Assets per employee ($millions) | 3.1103% | 5,823 |
| Cash dividends to net income (ytd only)* | 32.2581% | 2,507 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2263% | 5,233 |
| Loan loss allowance to noncurrent loans | 142.4000% | 2,344 |
| Noncurrent assets plus other real estate owned to assets | 0.9661% | 4,443 |
| Noncurrent loans to loans | 0.8612% | 4,783 |
| Net loans and leases to total assets | 65.8512% | 2,703 |
| Net loans and leases to deposits | 76.0265% | 2,987 |
| Net loans and leases to core deposits | 81.1256% | 3,066 |
| Total domestic deposits to total assets | 86.6160% | 3,003 |
| Equity capital to assets | 9.6545% | 4,821 |
| Core capital (leverage) ratio | 9.4488% | 4,217 |
| Tier 1 risk-based capital ratio | 12.8045% | 5,335 |
| Total risk-based capital ratio | 13.9203% | 5,419 |
| Memoranda: | ||
| Average total assets | $63,203,330 | 5,937 |
| Average earning assets | $56,130,000 | 5,965 |
| Average equity | $6,222,330 | 6,057 |
| Average total loans | $44,459,000 | 5,407 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9314% | 339 |
| Cost of funding earning assets | 1.0031% | 1,965 |
| Net interest margin | 4.9283% | 453 |
| Noninterest income to average assets | 0.7466% | 2,417 |
| Noninterest expense to average assets | 3.6623% | 1,443 |
| Loan and lease loss provision to assets | 0.2639% | 2,349 |
| Net operating income to assets | 1.0921% | 2,128 |
| Return on assets (ROA) | 1.0684% | 2,404 |
| Pretax return on assets | 1.1586% | 3,075 |
| Return on Equity (ROE) | 10.7435% | 2,126 |
| Retained earnings to average equity (ytd only) | 10.7435% | 1,102 |
| Net charge-offs to loans | -0.0089% | 5,913 |
| Credit loss provision to net charge-offs | -4,100.0000% | 6,178 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6625% | 3,503 |
| Assets per employee ($millions) | 2.9990% | 6,153 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1948% | 5,508 |
| Loan loss allowance to noncurrent loans | 180.2721% | 1,827 |
| Noncurrent assets plus other real estate owned to assets | 0.8781% | 4,772 |
| Noncurrent loans to loans | 0.6628% | 5,321 |
| Net loans and leases to total assets | 69.5941% | 1,824 |
| Net loans and leases to deposits | 82.2848% | 1,896 |
| Net loans and leases to core deposits | 88.6545% | 1,984 |
| Total domestic deposits to total assets | 84.5772% | 4,236 |
| Equity capital to assets | 9.9543% | 4,180 |
| Core capital (leverage) ratio | 9.5509% | 3,978 |
| Tier 1 risk-based capital ratio | 12.5637% | 5,554 |
| Total risk-based capital ratio | 13.6580% | 5,639 |
| Memoranda: | ||
| Average total assets | $62,146,500 | 6,004 |
| Average earning assets | $55,029,500 | 6,031 |
| Average equity | $6,180,500 | 6,102 |
| Average total loans | $44,915,500 | 5,425 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0917% | 374 |
| Cost of funding earning assets | 1.1453% | 2,377 |
| Net interest margin | 4.9464% | 462 |
| Noninterest income to average assets | 0.6538% | 2,867 |
| Noninterest expense to average assets | 3.8529% | 1,254 |
| Loan and lease loss provision to assets | 0.2984% | 3,279 |
| Net operating income to assets | 0.6631% | 3,674 |
| Return on assets (ROA) | 0.7256% | 3,534 |
| Pretax return on assets | 1.0272% | 3,133 |
| Return on Equity (ROE) | 7.6608% | 3,071 |
| Retained earnings to average equity (ytd only) | 7.1443% | 1,434 |
| Net charge-offs to loans | 0.3296% | 3,743 |
| Credit loss provision to net charge-offs | 123.6486% | 2,542 |
| Earnings coverage of net charge-offs (x) | 5.1284% | 2,889 |
| Efficiency ratio | 75.6887% | 2,938 |
| Assets per employee ($millions) | 2.9198% | 6,253 |
| Cash dividends to net income (ytd only)* | 6.7416% | 3,946 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0732% | 5,913 |
| Loan loss allowance to noncurrent loans | 164.3098% | 1,960 |
| Noncurrent assets plus other real estate owned to assets | 0.9247% | 4,759 |
| Noncurrent loans to loans | 0.6531% | 5,395 |
| Net loans and leases to total assets | 73.3654% | 1,383 |
| Net loans and leases to deposits | 86.5227% | 1,607 |
| Net loans and leases to core deposits | 93.7381% | 1,725 |
| Total domestic deposits to total assets | 84.7933% | 3,964 |
| Equity capital to assets | 9.9356% | 4,243 |
| Core capital (leverage) ratio | 9.4273% | 4,148 |
| Tier 1 risk-based capital ratio | 12.0197% | 5,823 |
| Total risk-based capital ratio | 13.0107% | 5,973 |
| Memoranda: | ||
| Average total assets | $61,331,000 | 6,001 |
| Average earning assets | $55,009,200 | 6,015 |
| Average equity | $5,808,800 | 6,203 |
| Average total loans | $44,907,200 | 5,474 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0671% | 408 |
| Cost of funding earning assets | 1.1545% | 2,608 |
| Net interest margin | 4.9126% | 497 |
| Noninterest income to average assets | 0.6108% | 3,100 |
| Noninterest expense to average assets | 3.8389% | 1,251 |
| Loan and lease loss provision to assets | 0.3978% | 2,468 |
| Net operating income to assets | 0.5720% | 4,208 |
| Return on assets (ROA) | 0.6565% | 4,008 |
| Pretax return on assets | 0.9130% | 3,712 |
| Return on Equity (ROE) | 7.0174% | 3,520 |
| Retained earnings to average equity (ytd only) | 6.3203% | 2,355 |
| Net charge-offs to loans | 0.1757% | 4,400 |
| Credit loss provision to net charge-offs | 310.1695% | 915 |
| Earnings coverage of net charge-offs (x) | 9.3056% | 2,067 |
| Efficiency ratio | 76.2851% | 2,800 |
| Assets per employee ($millions) | 3.0100% | 6,096 |
| Cash dividends to net income (ytd only)* | 9.9339% | 3,273 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2685% | 5,157 |
| Loan loss allowance to noncurrent loans | 247.6395% | 1,262 |
| Noncurrent assets plus other real estate owned to assets | 0.8654% | 5,020 |
| Noncurrent loans to loans | 0.5122% | 5,824 |
| Net loans and leases to total assets | 71.0478% | 1,893 |
| Net loans and leases to deposits | 83.2314% | 2,140 |
| Net loans and leases to core deposits | 90.3458% | 2,208 |
| Total domestic deposits to total assets | 85.3617% | 3,578 |
| Equity capital to assets | 9.3908% | 5,251 |
| Core capital (leverage) ratio | 9.4362% | 4,246 |
| Tier 1 risk-based capital ratio | 11.9356% | 5,941 |
| Total risk-based capital ratio | 13.1279% | 5,959 |
| Memoranda: | ||
| Average total assets | $61,335,000 | 6,050 |
| Average earning assets | $55,203,750 | 6,061 |
| Average equity | $5,738,000 | 6,264 |
| Average total loans | $44,766,000 | 5,527 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1358% | 365 |
| Cost of funding earning assets | 1.1781% | 2,717 |
| Net interest margin | 4.9576% | 427 |
| Noninterest income to average assets | 0.5765% | 3,291 |
| Noninterest expense to average assets | 3.9664% | 1,098 |
| Loan and lease loss provision to assets | 0.2273% | 3,643 |
| Net operating income to assets | 0.6152% | 3,983 |
| Return on assets (ROA) | 0.6753% | 3,785 |
| Pretax return on assets | 0.9290% | 3,514 |
| Return on Equity (ROE) | 7.2285% | 3,332 |
| Retained earnings to average equity (ytd only) | 6.1707% | 2,317 |
| Net charge-offs to loans | 0.2560% | 3,605 |
| Credit loss provision to net charge-offs | 121.0526% | 2,519 |
| Earnings coverage of net charge-offs (x) | 5.7193% | 2,543 |
| Efficiency ratio | 78.6928% | 2,599 |
| Assets per employee ($millions) | 2.8015% | 6,466 |
| Cash dividends to net income (ytd only)* | 14.6341% | 3,019 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0400% | 6,185 |
| Loan loss allowance to noncurrent loans | 1,107.1429% | 342 |
| Noncurrent assets plus other real estate owned to assets | 0.5776% | 5,771 |
| Noncurrent loans to loans | 0.0939% | 6,744 |
| Net loans and leases to total assets | 71.7923% | 1,827 |
| Net loans and leases to deposits | 84.1070% | 2,093 |
| Net loans and leases to core deposits | 91.9437% | 2,140 |
| Total domestic deposits to total assets | 85.3583% | 3,696 |
| Equity capital to assets | 9.4172% | 4,946 |
| Core capital (leverage) ratio | 9.3140% | 4,232 |
| Tier 1 risk-based capital ratio | 11.8937% | 5,867 |
| Total risk-based capital ratio | 12.8676% | 6,077 |
| Memoranda: | ||
| Average total assets | $60,709,670 | 6,114 |
| Average earning assets | $54,663,000 | 6,123 |
| Average equity | $5,672,000 | 6,326 |
| Average total loans | $44,525,670 | 5,589 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0740% | 419 |
| Cost of funding earning assets | 1.1794% | 2,950 |
| Net interest margin | 4.8945% | 471 |
| Noninterest income to average assets | 0.5909% | 3,237 |
| Noninterest expense to average assets | 3.9835% | 1,058 |
| Loan and lease loss provision to assets | 0.0066% | 5,797 |
| Net operating income to assets | 0.7502% | 3,269 |
| Return on assets (ROA) | 0.7502% | 3,334 |
| Pretax return on assets | 1.0092% | 3,103 |
| Return on Equity (ROE) | 8.0628% | 2,880 |
| Retained earnings to average equity (ytd only) | 8.0628% | 1,708 |
| Net charge-offs to loans | -0.0630% | 6,965 |
| Credit loss provision to net charge-offs | -14.2857% | 5,596 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.6813% | 2,584 |
| Assets per employee ($millions) | 2.5217% | 6,961 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0339% | 6,273 |
| Loan loss allowance to noncurrent loans | 1,002.1739% | 382 |
| Noncurrent assets plus other real estate owned to assets | 0.1751% | 6,718 |
| Noncurrent loans to loans | 0.1032% | 6,787 |
| Net loans and leases to total assets | 72.9147% | 1,535 |
| Net loans and leases to deposits | 86.3562% | 1,675 |
| Net loans and leases to core deposits | 94.6506% | 1,814 |
| Total domestic deposits to total assets | 84.4349% | 4,307 |
| Equity capital to assets | 9.4134% | 4,550 |
| Core capital (leverage) ratio | 9.4631% | 3,871 |
| Tier 1 risk-based capital ratio | 11.7955% | 5,855 |
| Total risk-based capital ratio | 12.7635% | 6,073 |
| Memoranda: | ||
| Average total assets | $60,248,500 | 6,177 |
| Average earning assets | $54,264,500 | 6,190 |
| Average equity | $5,606,000 | 6,365 |
| Average total loans | $44,432,500 | 5,636 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3530% | 420 |
| Cost of funding earning assets | 1.4553% | 2,925 |
| Net interest margin | 4.8978% | 552 |
| Noninterest income to average assets | 0.6420% | 3,198 |
| Noninterest expense to average assets | 3.7574% | 1,571 |
| Loan and lease loss provision to assets | 0.1668% | 5,548 |
| Net operating income to assets | 0.8196% | 2,712 |
| Return on assets (ROA) | 0.8930% | 2,551 |
| Pretax return on assets | 1.3429% | 1,824 |
| Return on Equity (ROE) | 9.8925% | 1,970 |
| Retained earnings to average equity (ytd only) | 8.9592% | 714 |
| Net charge-offs to loans | 0.1096% | 5,776 |
| Credit loss provision to net charge-offs | 202.0408% | 1,539 |
| Earnings coverage of net charge-offs (x) | 16.9388% | 1,182 |
| Efficiency ratio | 72.8758% | 3,623 |
| Assets per employee ($millions) | 2.6077% | 6,847 |
| Cash dividends to net income (ytd only)* | 9.4340% | 3,775 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0231% | 6,273 |
| Loan loss allowance to noncurrent loans | 963.8298% | 379 |
| Noncurrent assets plus other real estate owned to assets | 0.1784% | 6,787 |
| Noncurrent loans to loans | 0.1062% | 6,875 |
| Net loans and leases to total assets | 73.0663% | 1,858 |
| Net loans and leases to deposits | 87.1042% | 1,921 |
| Net loans and leases to core deposits | 94.8345% | 2,153 |
| Total domestic deposits to total assets | 83.8838% | 4,405 |
| Equity capital to assets | 9.1952% | 4,848 |
| Core capital (leverage) ratio | 9.1165% | 4,325 |
| Tier 1 risk-based capital ratio | 11.4174% | 5,976 |
| Total risk-based capital ratio | 12.3571% | 6,214 |
| Memoranda: | ||
| Average total assets | $59,349,200 | 6,229 |
| Average earning assets | $54,698,200 | 6,187 |
| Average equity | $5,357,600 | 6,548 |
| Average total loans | $44,696,400 | 5,715 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4071% | 405 |
| Cost of funding earning assets | 1.5229% | 2,823 |
| Net interest margin | 4.8843% | 568 |
| Noninterest income to average assets | 0.6330% | 3,234 |
| Noninterest expense to average assets | 3.6806% | 1,615 |
| Loan and lease loss provision to assets | 0.1644% | 5,395 |
| Net operating income to assets | 0.8695% | 2,738 |
| Return on assets (ROA) | 0.9438% | 2,568 |
| Pretax return on assets | 1.4303% | 1,794 |
| Return on Equity (ROE) | 10.5044% | 1,933 |
| Retained earnings to average equity (ytd only) | 9.2510% | 977 |
| Net charge-offs to loans | -0.0060% | 7,223 |
| Credit loss provision to net charge-offs | -3,650.0000% | 7,167 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2914% | 3,837 |
| Assets per employee ($millions) | 3.1843% | 5,717 |
| Cash dividends to net income (ytd only)* | 11.9341% | 3,266 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0962% | 5,962 |
| Loan loss allowance to noncurrent loans | 1,017.0213% | 364 |
| Noncurrent assets plus other real estate owned to assets | 0.0777% | 7,149 |
| Noncurrent loans to loans | 0.1078% | 6,969 |
| Net loans and leases to total assets | 71.2836% | 2,409 |
| Net loans and leases to deposits | 84.3678% | 2,644 |
| Net loans and leases to core deposits | 92.5216% | 2,722 |
| Total domestic deposits to total assets | 84.4914% | 3,868 |
| Equity capital to assets | 9.1633% | 5,362 |
| Core capital (leverage) ratio | 8.8197% | 4,969 |
| Tier 1 risk-based capital ratio | 11.5427% | 5,887 |
| Total risk-based capital ratio | 12.5658% | 6,084 |
| Memoranda: | ||
| Average total assets | $59,192,250 | 6,300 |
| Average earning assets | $54,895,750 | 6,243 |
| Average equity | $5,318,250 | 6,641 |
| Average total loans | $44,801,500 | 5,792 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4260% | 387 |
| Cost of funding earning assets | 1.5974% | 2,673 |
| Net interest margin | 4.8287% | 625 |
| Noninterest income to average assets | 0.5923% | 3,394 |
| Noninterest expense to average assets | 3.6728% | 1,615 |
| Loan and lease loss provision to assets | 0.1770% | 5,100 |
| Net operating income to assets | 0.8113% | 2,919 |
| Return on assets (ROA) | 0.9259% | 2,548 |
| Pretax return on assets | 1.4126% | 1,809 |
| Return on Equity (ROE) | 10.3757% | 1,969 |
| Retained earnings to average equity (ytd only) | 8.4684% | 1,277 |
| Net charge-offs to loans | -0.0088% | 7,179 |
| Credit loss provision to net charge-offs | -2,600.0000% | 6,989 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.1739% | 3,786 |
| Assets per employee ($millions) | 2.9954% | 6,144 |
| Cash dividends to net income (ytd only)* | 18.3824% | 2,939 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0044% | 6,379 |
| Loan loss allowance to noncurrent loans | 513.4831% | 634 |
| Noncurrent assets plus other real estate owned to assets | 0.1486% | 7,016 |
| Noncurrent loans to loans | 0.1956% | 6,863 |
| Net loans and leases to total assets | 75.1915% | 1,652 |
| Net loans and leases to deposits | 88.5945% | 2,078 |
| Net loans and leases to core deposits | 100.4773% | 1,965 |
| Total domestic deposits to total assets | 84.8716% | 3,698 |
| Equity capital to assets | 8.9188% | 5,573 |
| Core capital (leverage) ratio | 8.8256% | 4,873 |
| Tier 1 risk-based capital ratio | 11.2116% | 6,029 |
| Total risk-based capital ratio | 12.1882% | 6,288 |
| Memoranda: | ||
| Average total assets | $58,755,670 | 6,361 |
| Average earning assets | $54,715,000 | 6,296 |
| Average equity | $5,243,000 | 6,698 |
| Average total loans | $45,200,000 | 5,811 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3835% | 451 |
| Cost of funding earning assets | 1.6791% | 2,486 |
| Net interest margin | 4.7044% | 776 |
| Noninterest income to average assets | 0.5156% | 3,931 |
| Noninterest expense to average assets | 3.7195% | 1,480 |
| Loan and lease loss provision to assets | 0.1856% | 4,651 |
| Net operating income to assets | 0.6336% | 3,739 |
| Return on assets (ROA) | 0.7700% | 3,224 |
| Pretax return on assets | 1.1963% | 2,371 |
| Return on Equity (ROE) | 8.6270% | 2,617 |
| Retained earnings to average equity (ytd only) | 8.6270% | 1,499 |
| Net charge-offs to loans | -0.0178% | 7,042 |
| Credit loss provision to net charge-offs | -1,350.0000% | 6,438 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.0900% | 3,199 |
| Assets per employee ($millions) | 2.9477% | 6,337 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9734% | 6,582 |
| Loan loss allowance to noncurrent loans | 608.4507% | 541 |
| Noncurrent assets plus other real estate owned to assets | 0.1204% | 7,176 |
| Noncurrent loans to loans | 0.1600% | 7,020 |
| Net loans and leases to total assets | 74.5496% | 1,845 |
| Net loans and leases to deposits | 87.9827% | 2,231 |
| Net loans and leases to core deposits | 100.4755% | 2,082 |
| Total domestic deposits to total assets | 84.7322% | 3,789 |
| Equity capital to assets | 8.8934% | 5,418 |
| Core capital (leverage) ratio | 8.5741% | 5,248 |
| Tier 1 risk-based capital ratio | 11.2378% | 5,910 |
| Total risk-based capital ratio | 12.1830% | 6,199 |
| Memoranda: | ||
| Average total assets | $58,180,000 | 6,463 |
| Average earning assets | $54,077,000 | 6,387 |
| Average equity | $5,193,000 | 6,785 |
| Average total loans | $45,049,000 | 5,884 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9348% | 306 |
| Cost of funding earning assets | 1.9286% | 3,312 |
| Net interest margin | 5.0062% | 446 |
| Noninterest income to average assets | 0.6107% | 3,544 |
| Noninterest expense to average assets | 3.8911% | 1,520 |
| Loan and lease loss provision to assets | 0.1583% | 6,094 |
| Net operating income to assets | 0.7780% | 2,610 |
| Return on assets (ROA) | 0.7950% | 2,641 |
| Pretax return on assets | 1.2269% | 1,880 |
| Return on Equity (ROE) | 8.7842% | 2,092 |
| Retained earnings to average equity (ytd only) | 8.7842% | 529 |
| Net charge-offs to loans | 0.0476% | 6,627 |
| Credit loss provision to net charge-offs | 425.0000% | 736 |
| Earnings coverage of net charge-offs (x) | 36.5000% | 647 |
| Efficiency ratio | 74.1135% | 3,873 |
| Assets per employee ($millions) | 2.8703% | 6,515 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8815% | 6,886 |
| Loan loss allowance to noncurrent loans | 584.0580% | 576 |
| Noncurrent assets plus other real estate owned to assets | 0.1202% | 7,182 |
| Noncurrent loans to loans | 0.1509% | 7,052 |
| Net loans and leases to total assets | 78.9343% | 1,198 |
| Net loans and leases to deposits | 96.9947% | 1,208 |
| Net loans and leases to core deposits | 130.7546% | 1,240 |
| Total domestic deposits to total assets | 81.3800% | 5,202 |
| Equity capital to assets | 8.9590% | 5,206 |
| Core capital (leverage) ratio | 8.9416% | 4,519 |
| Tier 1 risk-based capital ratio | 10.7454% | 6,158 |
| Total risk-based capital ratio | 11.6073% | 6,503 |
| Memoranda: | ||
| Average total assets | $53,712,000 | 6,565 |
| Average earning assets | $49,778,000 | 6,538 |
| Average equity | $4,861,000 | 6,999 |
| Average total loans | $41,984,800 | 6,015 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9243% | 340 |
| Cost of funding earning assets | 1.9986% | 3,367 |
| Net interest margin | 4.9257% | 516 |
| Noninterest income to average assets | 0.6314% | 3,483 |
| Noninterest expense to average assets | 3.9528% | 1,344 |
| Loan and lease loss provision to assets | 0.1894% | 5,481 |
| Net operating income to assets | 0.6893% | 3,248 |
| Return on assets (ROA) | 0.7123% | 3,230 |
| Pretax return on assets | 1.0936% | 2,599 |
| Return on Equity (ROE) | 7.8487% | 2,708 |
| Retained earnings to average equity (ytd only) | 7.8487% | 1,176 |
| Net charge-offs to loans | 0.0650% | 6,043 |
| Credit loss provision to net charge-offs | 375.0000% | 1,073 |
| Earnings coverage of net charge-offs (x) | 24.6963% | 1,083 |
| Efficiency ratio | 76.0078% | 3,514 |
| Assets per employee ($millions) | 2.7685% | 6,705 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9019% | 6,749 |
| 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 | 77.9881% | 1,575 |
| Net loans and leases to deposits | 96.7079% | 1,488 |
| Net loans and leases to core deposits | 130.9141% | 1,377 |
| Total domestic deposits to total assets | 80.6429% | 5,208 |
| Equity capital to assets | 9.1223% | 5,302 |
| Core capital (leverage) ratio | 8.9836% | 4,674 |
| Tier 1 risk-based capital ratio | 10.7997% | 6,155 |
| Total risk-based capital ratio | 11.6697% | 6,497 |
| Memoranda: | ||
| Average total assets | $52,788,500 | 6,648 |
| Average earning assets | $48,966,250 | 6,615 |
| Average equity | $4,790,500 | 7,084 |
| Average total loans | $41,052,000 | 6,103 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8925% | 386 |
| Cost of funding earning assets | 2.1150% | 3,202 |
| Net interest margin | 4.7775% | 684 |
| Noninterest income to average assets | 0.6432% | 3,391 |
| Noninterest expense to average assets | 3.9516% | 1,397 |
| Loan and lease loss provision to assets | 0.1964% | 5,096 |
| Net operating income to assets | 0.5970% | 3,691 |
| Return on assets (ROA) | 0.5970% | 3,798 |
| Pretax return on assets | 0.9321% | 3,235 |
| Return on Equity (ROE) | 6.5906% | 3,395 |
| Retained earnings to average equity (ytd only) | 6.5906% | 1,752 |
| Net charge-offs to loans | 0.0995% | 5,168 |
| Credit loss provision to net charge-offs | 255.0000% | 1,828 |
| Earnings coverage of net charge-offs (x) | 14.6500% | 1,637 |
| Efficiency ratio | 77.7862% | 3,380 |
| Assets per employee ($millions) | 2.8358% | 6,545 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8649% | 6,920 |
| 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 | 78.4967% | 1,640 |
| Net loans and leases to deposits | 100.2822% | 1,262 |
| Net loans and leases to core deposits | 137.2825% | 1,142 |
| Total domestic deposits to total assets | 78.2758% | 6,007 |
| Equity capital to assets | 8.8493% | 5,523 |
| Core capital (leverage) ratio | 9.0176% | 4,595 |
| Tier 1 risk-based capital ratio | 10.7841% | 6,104 |
| Total risk-based capital ratio | 11.6215% | 6,443 |
| Memoranda: | ||
| Average total assets | $51,928,000 | 6,749 |
| Average earning assets | $48,226,330 | 6,701 |
| Average equity | $4,703,670 | 7,171 |
| Average total loans | $40,211,000 | 6,197 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8540% | 440 |
| Cost of funding earning assets | 2.1774% | 3,277 |
| Net interest margin | 4.6767% | 809 |
| Noninterest income to average assets | 0.6359% | 3,302 |
| Noninterest expense to average assets | 3.8703% | 1,346 |
| Loan and lease loss provision to assets | 0.1963% | 4,477 |
| Net operating income to assets | 0.5260% | 4,308 |
| Return on assets (ROA) | 0.5260% | 4,496 |
| Pretax return on assets | 0.9028% | 3,702 |
| Return on Equity (ROE) | 5.7369% | 4,153 |
| Retained earnings to average equity (ytd only) | 5.7369% | 2,764 |
| Net charge-offs to loans | 0.0205% | 5,276 |
| Credit loss provision to net charge-offs | 1,250.0000% | 500 |
| Earnings coverage of net charge-offs (x) | 70.0000% | 575 |
| Efficiency ratio | 77.8831% | 3,184 |
| Assets per employee ($millions) | 2.7124% | 6,859 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9098% | 6,702 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 76.2977% | 2,209 |
| Net loans and leases to deposits | 90.3410% | 2,876 |
| Net loans and leases to core deposits | 123.1984% | 2,146 |
| Total domestic deposits to total assets | 84.4552% | 3,483 |
| Equity capital to assets | 9.1336% | 5,176 |
| Core capital (leverage) ratio | 9.2395% | 4,349 |
| Tier 1 risk-based capital ratio | 11.2394% | 5,656 |
| Total risk-based capital ratio | 12.1093% | 5,938 |
| Memoranda: | ||
| Average total assets | $50,952,000 | 6,824 |
| Average earning assets | $47,213,000 | 6,784 |
| Average equity | $4,671,500 | 7,232 |
| Average total loans | $38,985,000 | 6,279 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3568% | 536 |
| Cost of funding earning assets | 2.5692% | 3,855 |
| Net interest margin | 4.7877% | 799 |
| Noninterest income to average assets | 0.6737% | 3,303 |
| Noninterest expense to average assets | 3.9716% | 1,460 |
| Loan and lease loss provision to assets | 0.1679% | 5,231 |
| Net operating income to assets | 0.6400% | 4,142 |
| Return on assets (ROA) | 0.6818% | 3,811 |
| Pretax return on assets | 0.9873% | 3,422 |
| Return on Equity (ROE) | 7.7618% | 3,169 |
| Retained earnings to average equity (ytd only) | 7.7618% | 913 |
| Net charge-offs to loans | 0.0849% | 5,545 |
| Credit loss provision to net charge-offs | 267.7419% | 1,724 |
| Earnings coverage of net charge-offs (x) | 17.4516% | 1,769 |
| Efficiency ratio | 78.3946% | 2,853 |
| Assets per employee ($millions) | 2.7983% | 6,561 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8828% | 6,765 |
| 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 | 75.3459% | 2,795 |
| Net loans and leases to deposits | 89.9228% | 3,470 |
| Net loans and leases to core deposits | 123.9459% | 2,332 |
| Total domestic deposits to total assets | 83.7896% | 3,435 |
| Equity capital to assets | 9.2041% | 5,074 |
| Core capital (leverage) ratio | 9.1468% | 4,531 |
| Tier 1 risk-based capital ratio | 11.3700% | 5,362 |
| Total risk-based capital ratio | 12.2060% | 5,674 |
| Memoranda: | ||
| Average total assets | $49,425,600 | 6,805 |
| Average earning assets | $45,345,600 | 6,800 |
| Average equity | $4,341,800 | 7,375 |
| Average total loans | $36,494,800 | 6,342 |