Home > Countryside Bank > Performance and Condition Ratios
Countryside Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6672% | 3,658 |
| Cost of funding earning assets | 1.6211% | 2,917 |
| Net interest margin | 3.0461% | 3,310 |
| Noninterest income to average assets | 0.5700% | 1,445 |
| Noninterest expense to average assets | 2.2432% | 3,000 |
| Loan and lease loss provision to assets | 0.1200% | 1,082 |
| Net operating income to assets | 1.0391% | 2,176 |
| Return on assets (ROA) | 1.0391% | 2,170 |
| Pretax return on assets | 1.0391% | 2,648 |
| Return on Equity (ROE) | 7.4400% | 3,014 |
| Retained earnings to average equity (ytd only) | 2.5123% | 3,208 |
| Net charge-offs to loans | -0.0065% | 3,805 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 65.8586% | 2,265 |
| Assets per employee ($millions) | 7.3991% | 1,945 |
| Cash dividends to net income (ytd only)* | 66.2252% | 880 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0631% | 2,904 |
| Loan loss allowance to noncurrent loans | 2,476.9231% | 338 |
| Noncurrent assets plus other real estate owned to assets | 0.0220% | 3,576 |
| Noncurrent loans to loans | 0.0429% | 3,464 |
| Net loans and leases to total assets | 50.6300% | 3,540 |
| Net loans and leases to deposits | 61.0627% | 3,437 |
| Net loans and leases to core deposits | 63.6833% | 3,554 |
| Total domestic deposits to total assets | 82.9100% | 3,134 |
| Equity capital to assets | 13.8657% | 720 |
| Core capital (leverage) ratio | 14.2685% | 735 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $116,260,000 | 3,639 |
| Average earning assets | $108,073,000 | 3,628 |
| Average equity | $16,240,000 | 3,268 |
| Average total loans | $61,803,000 | 3,680 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3919% | 3,995 |
| Cost of funding earning assets | 1.6899% | 2,972 |
| Net interest margin | 2.7021% | 3,617 |
| Noninterest income to average assets | 0.5700% | 1,625 |
| Noninterest expense to average assets | 2.2431% | 3,008 |
| Loan and lease loss provision to assets | 0.0600% | 2,000 |
| Net operating income to assets | 0.6850% | 3,012 |
| Return on assets (ROA) | 0.6850% | 3,046 |
| Pretax return on assets | 0.7899% | 3,074 |
| Return on Equity (ROE) | 4.8900% | 3,539 |
| Retained earnings to average equity (ytd only) | 3.6121% | 2,778 |
| Net charge-offs to loans | 0.0017% | 2,981 |
| Credit loss provision to net charge-offs | 6,400.0000% | 79 |
| Earnings coverage of net charge-offs (x) | 945.0000% | 140 |
| Efficiency ratio | 72.5849% | 1,715 |
| Assets per employee ($millions) | 7.6089% | 1,780 |
| Cash dividends to net income (ytd only)* | 26.1780% | 2,733 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0138% | 3,146 |
| Loan loss allowance to noncurrent loans | 2,904.5455% | 339 |
| Noncurrent assets plus other real estate owned to assets | 0.0193% | 3,586 |
| Noncurrent loans to loans | 0.0349% | 3,496 |
| Net loans and leases to total assets | 54.6600% | 3,364 |
| Net loans and leases to deposits | 66.1352% | 3,198 |
| Net loans and leases to core deposits | 68.6381% | 3,413 |
| Total domestic deposits to total assets | 82.6500% | 3,111 |
| Equity capital to assets | 14.0756% | 667 |
| Core capital (leverage) ratio | 14.7070% | 640 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $111,539,600 | 3,680 |
| Average earning assets | $104,031,400 | 3,662 |
| Average equity | $15,614,400 | 3,285 |
| Average total loans | $59,590,400 | 3,697 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3304% | 4,029 |
| Cost of funding earning assets | 1.6749% | 3,004 |
| Net interest margin | 2.6556% | 3,668 |
| Noninterest income to average assets | 0.4800% | 1,981 |
| Noninterest expense to average assets | 2.1005% | 3,328 |
| Loan and lease loss provision to assets | 0.0900% | 1,382 |
| Net operating income to assets | 0.6986% | 2,984 |
| Return on assets (ROA) | 0.6986% | 3,010 |
| Pretax return on assets | 0.7563% | 3,138 |
| Return on Equity (ROE) | 5.0000% | 3,529 |
| Retained earnings to average equity (ytd only) | 3.2770% | 3,080 |
| Net charge-offs to loans | -0.0068% | 3,925 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 71.1899% | 1,880 |
| Assets per employee ($millions) | 7.9498% | 1,550 |
| Cash dividends to net income (ytd only)* | 34.4234% | 1,992 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0334% | 3,078 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,813 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,861 |
| Noncurrent loans to loans | 0.0000% | 3,830 |
| Net loans and leases to total assets | 54.1200% | 3,394 |
| Net loans and leases to deposits | 66.0273% | 3,244 |
| Net loans and leases to core deposits | 69.6925% | 3,408 |
| Total domestic deposits to total assets | 81.9700% | 3,115 |
| Equity capital to assets | 14.4829% | 650 |
| Core capital (leverage) ratio | 14.9045% | 644 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $110,891,000 | 3,698 |
| Average earning assets | $103,327,750 | 3,684 |
| Average equity | $15,501,750 | 3,302 |
| Average total loans | $58,730,750 | 3,719 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1943% | 4,137 |
| Cost of funding earning assets | 1.5974% | 3,082 |
| Net interest margin | 2.5969% | 3,748 |
| Noninterest income to average assets | 0.5400% | 1,684 |
| Noninterest expense to average assets | 2.0875% | 3,355 |
| Loan and lease loss provision to assets | 0.0300% | 2,286 |
| Net operating income to assets | 0.7819% | 2,688 |
| Return on assets (ROA) | 0.7819% | 2,701 |
| Pretax return on assets | 0.8397% | 2,903 |
| Return on Equity (ROE) | 5.6600% | 3,367 |
| Retained earnings to average equity (ytd only) | 3.0465% | 3,034 |
| Net charge-offs to loans | -0.0069% | 3,891 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 70.7034% | 2,025 |
| Assets per employee ($millions) | 8.6308% | 1,141 |
| Cash dividends to net income (ytd only)* | 46.1894% | 1,591 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9941% | 3,316 |
| Loan loss allowance to noncurrent loans | 3,700.0000% | 280 |
| Noncurrent assets plus other real estate owned to assets | 0.0143% | 3,653 |
| Noncurrent loans to loans | 0.0269% | 3,581 |
| Net loans and leases to total assets | 52.5500% | 3,506 |
| Net loans and leases to deposits | 63.5333% | 3,384 |
| Net loans and leases to core deposits | 66.9418% | 3,505 |
| Total domestic deposits to total assets | 82.7100% | 2,929 |
| Equity capital to assets | 13.7834% | 718 |
| Core capital (leverage) ratio | 14.9409% | 635 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $110,755,667 | 3,706 |
| Average earning assets | $103,045,667 | 3,698 |
| Average equity | $15,296,000 | 3,291 |
| Average total loans | $58,018,667 | 3,743 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1251% | 4,149 |
| Cost of funding earning assets | 1.5337% | 3,109 |
| Net interest margin | 2.5913% | 3,726 |
| Noninterest income to average assets | 0.6400% | 1,224 |
| Noninterest expense to average assets | 2.2175% | 3,019 |
| Loan and lease loss provision to assets | -0.1200% | 4,468 |
| Net operating income to assets | 0.9524% | 2,082 |
| Return on assets (ROA) | 0.9524% | 2,090 |
| Pretax return on assets | 0.9524% | 2,521 |
| Return on Equity (ROE) | 6.8900% | 2,984 |
| Retained earnings to average equity (ytd only) | 1.6303% | 3,337 |
| Net charge-offs to loans | -0.0070% | 3,832 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 72.6190% | 1,887 |
| Assets per employee ($millions) | 8.5768% | 1,176 |
| Cash dividends to net income (ytd only)* | 76.3359% | 790 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9598% | 3,490 |
| Loan loss allowance to noncurrent loans | 746.5753% | 1,017 |
| Noncurrent assets plus other real estate owned to assets | 0.0655% | 3,216 |
| Noncurrent loans to loans | 0.1286% | 2,969 |
| Net loans and leases to total assets | 50.4400% | 3,585 |
| Net loans and leases to deposits | 60.8663% | 3,467 |
| Net loans and leases to core deposits | 64.1130% | 3,593 |
| Total domestic deposits to total assets | 82.8700% | 3,009 |
| Equity capital to assets | 13.6648% | 728 |
| Core capital (leverage) ratio | 14.6273% | 664 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $110,033,500 | 3,728 |
| Average earning assets | $102,495,000 | 3,723 |
| Average equity | $15,211,500 | 3,309 |
| Average total loans | $57,253,500 | 3,758 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8825% | 4,098 |
| Cost of funding earning assets | 1.1896% | 2,828 |
| Net interest margin | 2.6929% | 3,830 |
| Noninterest income to average assets | 0.5100% | 1,936 |
| Noninterest expense to average assets | 2.1585% | 3,228 |
| Loan and lease loss provision to assets | 0.0300% | 2,526 |
| Net operating income to assets | 0.7235% | 3,123 |
| Return on assets (ROA) | 0.6899% | 3,195 |
| Pretax return on assets | 0.7823% | 3,250 |
| Return on Equity (ROE) | 5.2900% | 3,672 |
| Retained earnings to average equity (ytd only) | 3.9242% | 2,987 |
| Net charge-offs to loans | 0.0501% | 1,363 |
| Credit loss provision to net charge-offs | 117.2414% | 1,699 |
| Earnings coverage of net charge-offs (x) | 33.0000% | 1,573 |
| Efficiency ratio | 71.7282% | 1,684 |
| Assets per employee ($millions) | 8.3515% | 1,247 |
| Cash dividends to net income (ytd only)* | 25.7732% | 2,726 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9979% | 3,322 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 52.6400% | 3,444 |
| Net loans and leases to deposits | 63.7663% | 3,301 |
| Net loans and leases to core deposits | 67.4130% | 3,436 |
| Total domestic deposits to total assets | 82.5500% | 3,004 |
| Equity capital to assets | 13.9883% | 684 |
| Core capital (leverage) ratio | 14.7113% | 670 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $112,485,000 | 3,722 |
| Average earning assets | $104,571,000 | 3,701 |
| Average equity | $14,678,000 | 3,295 |
| Average total loans | $57,836,800 | 3,737 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8115% | 4,101 |
| Cost of funding earning assets | 1.1106% | 2,714 |
| Net interest margin | 2.7009% | 3,879 |
| Noninterest income to average assets | 0.4900% | 2,012 |
| Noninterest expense to average assets | 2.0129% | 3,562 |
| Loan and lease loss provision to assets | 0.0400% | 2,145 |
| Net operating income to assets | 0.9295% | 2,582 |
| Return on assets (ROA) | 0.9295% | 2,567 |
| Pretax return on assets | 0.9577% | 2,958 |
| Return on Equity (ROE) | 7.2500% | 3,365 |
| Retained earnings to average equity (ytd only) | 5.4154% | 2,802 |
| Net charge-offs to loans | 0.0484% | 1,200 |
| Credit loss provision to net charge-offs | 142.8571% | 1,351 |
| Earnings coverage of net charge-offs (x) | 40.2381% | 1,440 |
| Efficiency ratio | 66.9664% | 2,150 |
| Assets per employee ($millions) | 8.4415% | 1,142 |
| Cash dividends to net income (ytd only)* | 25.2845% | 2,251 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9712% | 3,493 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 53.8900% | 3,369 |
| Net loans and leases to deposits | 64.9170% | 3,205 |
| Net loans and leases to core deposits | 67.4414% | 3,354 |
| Total domestic deposits to total assets | 83.0200% | 3,012 |
| Equity capital to assets | 13.3798% | 746 |
| Core capital (leverage) ratio | 14.3326% | 749 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $113,464,000 | 3,724 |
| Average earning assets | $105,642,000 | 3,703 |
| Average equity | $14,550,750 | 3,304 |
| Average total loans | $57,865,000 | 3,743 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7414% | 4,094 |
| Cost of funding earning assets | 0.9695% | 2,700 |
| Net interest margin | 2.7719% | 3,867 |
| Noninterest income to average assets | 0.5000% | 1,875 |
| Noninterest expense to average assets | 1.9127% | 3,788 |
| Loan and lease loss provision to assets | -0.0200% | 4,411 |
| Net operating income to assets | 1.1403% | 2,001 |
| Return on assets (ROA) | 1.1403% | 1,998 |
| Pretax return on assets | 1.1822% | 2,409 |
| Return on Equity (ROE) | 9.0200% | 2,984 |
| Retained earnings to average equity (ytd only) | 6.2592% | 2,523 |
| Net charge-offs to loans | 0.0035% | 2,191 |
| Credit loss provision to net charge-offs | -900.0000% | 4,616 |
| Earnings coverage of net charge-offs (x) | 669.0000% | 218 |
| Efficiency ratio | 62.1178% | 2,701 |
| Assets per employee ($millions) | 8.7936% | 971 |
| Cash dividends to net income (ytd only)* | 30.5810% | 2,061 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9858% | 3,489 |
| Loan loss allowance to noncurrent loans | 2,244.0000% | 514 |
| Noncurrent assets plus other real estate owned to assets | 0.0219% | 3,598 |
| Noncurrent loans to loans | 0.0439% | 3,408 |
| Net loans and leases to total assets | 49.2900% | 3,597 |
| Net loans and leases to deposits | 58.8979% | 3,489 |
| Net loans and leases to core deposits | 60.7312% | 3,591 |
| Total domestic deposits to total assets | 83.6900% | 2,895 |
| Equity capital to assets | 12.8634% | 844 |
| Core capital (leverage) ratio | 13.8772% | 799 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $114,705,333 | 3,726 |
| Average earning assets | $106,858,000 | 3,703 |
| Average equity | $14,506,667 | 3,312 |
| Average total loans | $57,246,667 | 3,763 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6852% | 4,047 |
| Cost of funding earning assets | 0.8513% | 2,531 |
| Net interest margin | 2.8339% | 3,895 |
| Noninterest income to average assets | 0.5500% | 1,626 |
| Noninterest expense to average assets | 1.9843% | 3,661 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.2080% | 1,910 |
| Return on assets (ROA) | 1.2080% | 1,869 |
| Pretax return on assets | 1.2080% | 2,406 |
| Return on Equity (ROE) | 9.6300% | 2,890 |
| Retained earnings to average equity (ytd only) | 4.0812% | 3,253 |
| Net charge-offs to loans | -0.0766% | 4,453 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 62.1592% | 2,673 |
| Assets per employee ($millions) | 9.1165% | 894 |
| Cash dividends to net income (ytd only)* | 57.6369% | 1,005 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0299% | 3,387 |
| Loan loss allowance to noncurrent loans | 14,550.0000% | 126 |
| Noncurrent assets plus other real estate owned to assets | 0.0034% | 3,875 |
| Noncurrent loans to loans | 0.0071% | 3,787 |
| Net loans and leases to total assets | 47.1900% | 3,694 |
| Net loans and leases to deposits | 55.9280% | 3,578 |
| Net loans and leases to core deposits | 57.1411% | 3,686 |
| Total domestic deposits to total assets | 84.3800% | 3,003 |
| Equity capital to assets | 12.3351% | 908 |
| Core capital (leverage) ratio | 13.2899% | 885 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $114,899,500 | 3,771 |
| Average earning assets | $107,131,500 | 3,748 |
| Average equity | $14,407,500 | 3,355 |
| Average total loans | $57,416,000 | 3,800 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0575% | 4,064 |
| Cost of funding earning assets | 0.3677% | 2,350 |
| Net interest margin | 2.6898% | 4,070 |
| Noninterest income to average assets | 0.6000% | 1,644 |
| Noninterest expense to average assets | 2.1591% | 3,133 |
| Loan and lease loss provision to assets | 0.0200% | 2,518 |
| Net operating income to assets | 0.8200% | 3,256 |
| Return on assets (ROA) | 0.8200% | 3,192 |
| Pretax return on assets | 0.8967% | 3,364 |
| Return on Equity (ROE) | 6.2400% | 3,780 |
| Retained earnings to average equity (ytd only) | 5.1820% | 2,971 |
| Net charge-offs to loans | -0.0074% | 3,729 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 70.1470% | 1,666 |
| Assets per employee ($millions) | 7.9489% | 1,344 |
| Cash dividends to net income (ytd only)* | 16.8919% | 3,005 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8522% | 3,914 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 51.9600% | 3,360 |
| Net loans and leases to deposits | 62.3793% | 3,168 |
| Net loans and leases to core deposits | 63.7183% | 3,282 |
| Total domestic deposits to total assets | 83.3000% | 3,355 |
| Equity capital to assets | 12.7566% | 753 |
| Core capital (leverage) ratio | 13.8162% | 748 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $108,287,000 | 3,854 |
| Average earning assets | $99,820,800 | 3,839 |
| Average equity | $14,241,600 | 3,435 |
| Average total loans | $53,867,800 | 3,836 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9230% | 4,028 |
| Cost of funding earning assets | 0.2777% | 2,408 |
| Net interest margin | 2.6453% | 4,032 |
| Noninterest income to average assets | 0.5500% | 1,907 |
| Noninterest expense to average assets | 2.0557% | 3,334 |
| Loan and lease loss provision to assets | 0.0200% | 2,326 |
| Net operating income to assets | 0.8778% | 2,973 |
| Return on assets (ROA) | 0.8778% | 2,944 |
| Pretax return on assets | 0.9076% | 3,291 |
| Return on Equity (ROE) | 6.6200% | 3,673 |
| Retained earnings to average equity (ytd only) | 5.2198% | 3,014 |
| Net charge-offs to loans | -0.0404% | 4,247 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 68.8538% | 1,903 |
| Assets per employee ($millions) | 7.6826% | 1,498 |
| Cash dividends to net income (ytd only)* | 21.1864% | 2,417 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8961% | 3,869 |
| Loan loss allowance to noncurrent loans | 16,766.6667% | 94 |
| Noncurrent assets plus other real estate owned to assets | 0.0028% | 3,995 |
| Noncurrent loans to loans | 0.0053% | 3,920 |
| Net loans and leases to total assets | 51.7200% | 3,308 |
| Net loans and leases to deposits | 62.4028% | 2,992 |
| Net loans and leases to core deposits | 63.7947% | 3,139 |
| Total domestic deposits to total assets | 82.8800% | 3,711 |
| Equity capital to assets | 12.7840% | 716 |
| Core capital (leverage) ratio | 14.3228% | 633 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $107,537,750 | 3,878 |
| Average earning assets | $98,891,000 | 3,870 |
| Average equity | $14,253,000 | 3,482 |
| Average total loans | $52,754,250 | 3,873 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7952% | 3,986 |
| Cost of funding earning assets | 0.2547% | 2,198 |
| Net interest margin | 2.5405% | 4,018 |
| Noninterest income to average assets | 0.5078% | 2,157 |
| Noninterest expense to average assets | 1.9269% | 3,641 |
| Loan and lease loss provision to assets | 0.0223% | 2,198 |
| Net operating income to assets | 0.8667% | 2,703 |
| Return on assets (ROA) | 0.8667% | 2,682 |
| Pretax return on assets | 0.8965% | 3,079 |
| Return on Equity (ROE) | 6.4629% | 3,457 |
| Retained earnings to average equity (ytd only) | 4.3826% | 2,931 |
| Net charge-offs to loans | -0.0387% | 4,140 |
| Credit loss provision to net charge-offs | -120.0000% | 3,136 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7124% | 2,282 |
| Assets per employee ($millions) | 8.3742% | 1,127 |
| Cash dividends to net income (ytd only)* | 32.1888% | 2,019 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9076% | 3,931 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 49.2449% | 3,445 |
| Net loans and leases to deposits | 58.9302% | 3,138 |
| Net loans and leases to core deposits | 60.2150% | 3,256 |
| Total domestic deposits to total assets | 83.5648% | 3,781 |
| Equity capital to assets | 12.8601% | 685 |
| Core capital (leverage) ratio | 13.9253% | 646 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $107,531,667 | 3,918 |
| Average earning assets | $98,956,333 | 3,923 |
| Average equity | $14,420,667 | 3,549 |
| Average total loans | $51,628,333 | 3,935 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6951% | 3,960 |
| Cost of funding earning assets | 0.2609% | 2,034 |
| Net interest margin | 2.4342% | 4,011 |
| Noninterest income to average assets | 0.5502% | 1,895 |
| Noninterest expense to average assets | 1.9913% | 3,448 |
| Loan and lease loss provision to assets | 0.0225% | 1,952 |
| Net operating income to assets | 0.7711% | 2,769 |
| Return on assets (ROA) | 0.7711% | 2,761 |
| Pretax return on assets | 0.7711% | 3,200 |
| Return on Equity (ROE) | 5.6319% | 3,444 |
| Retained earnings to average equity (ytd only) | 1.5310% | 3,678 |
| Net charge-offs to loans | -0.0318% | 4,107 |
| Credit loss provision to net charge-offs | -150.0000% | 2,930 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5054% | 2,042 |
| Assets per employee ($millions) | 8.4842% | 1,129 |
| Cash dividends to net income (ytd only)* | 72.8155% | 815 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9647% | 3,859 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 44.5832% | 3,696 |
| Net loans and leases to deposits | 53.0459% | 3,492 |
| Net loans and leases to core deposits | 54.1774% | 3,578 |
| Total domestic deposits to total assets | 84.0464% | 3,756 |
| Equity capital to assets | 12.8990% | 709 |
| Core capital (leverage) ratio | 13.5007% | 673 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $106,865,500 | 3,947 |
| Average earning assets | $98,104,000 | 3,946 |
| Average equity | $14,631,000 | 3,594 |
| Average total loans | $50,392,000 | 3,967 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4460% | 2,815 |
| Cost of funding earning assets | 0.3481% | 1,949 |
| Net interest margin | 3.0979% | 2,907 |
| Noninterest income to average assets | 0.5559% | 2,336 |
| Noninterest expense to average assets | 2.4273% | 2,405 |
| Loan and lease loss provision to assets | 0.0238% | 2,590 |
| Net operating income to assets | 0.8518% | 3,181 |
| Return on assets (ROA) | 0.8518% | 3,249 |
| Pretax return on assets | 0.9143% | 3,476 |
| Return on Equity (ROE) | 5.7316% | 3,838 |
| Retained earnings to average equity (ytd only) | 4.7296% | 2,900 |
| Net charge-offs to loans | -0.0350% | 4,181 |
| Credit loss provision to net charge-offs | -141.1765% | 3,435 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.1239% | 1,500 |
| Assets per employee ($millions) | 7.9566% | 1,354 |
| Cash dividends to net income (ytd only)* | 17.4825% | 3,105 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9172% | 4,019 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 48.9800% | 3,409 |
| Net loans and leases to deposits | 59.5832% | 3,115 |
| Net loans and leases to core deposits | 60.9678% | 3,246 |
| Total domestic deposits to total assets | 82.2045% | 3,932 |
| Equity capital to assets | 14.5356% | 572 |
| Core capital (leverage) ratio | 14.6140% | 516 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $100,730,800 | 3,982 |
| Average earning assets | $91,352,600 | 3,997 |
| Average equity | $14,969,600 | 3,636 |
| Average total loans | $48,529,200 | 4,028 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6253% | 2,481 |
| Cost of funding earning assets | 0.3593% | 2,028 |
| Net interest margin | 3.2660% | 2,527 |
| Noninterest income to average assets | 0.5344% | 2,479 |
| Noninterest expense to average assets | 2.2640% | 2,853 |
| Loan and lease loss provision to assets | 0.0240% | 2,514 |
| Net operating income to assets | 1.1274% | 2,450 |
| Return on assets (ROA) | 1.1274% | 2,514 |
| Pretax return on assets | 1.2020% | 2,925 |
| Return on Equity (ROE) | 7.5433% | 3,519 |
| Retained earnings to average equity (ytd only) | 6.2059% | 2,740 |
| Net charge-offs to loans | -0.0362% | 4,216 |
| Credit loss provision to net charge-offs | -138.4615% | 3,287 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8721% | 2,263 |
| Assets per employee ($millions) | 6.6732% | 2,122 |
| Cash dividends to net income (ytd only)* | 17.7305% | 2,642 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9234% | 4,095 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 49.2028% | 3,503 |
| Net loans and leases to deposits | 60.5629% | 3,180 |
| Net loans and leases to core deposits | 62.0313% | 3,320 |
| Total domestic deposits to total assets | 81.2424% | 4,055 |
| Equity capital to assets | 15.1911% | 514 |
| Core capital (leverage) ratio | 14.9952% | 493 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $100,054,500 | 4,038 |
| Average earning assets | $90,546,000 | 4,057 |
| Average equity | $14,953,250 | 3,690 |
| Average total loans | $47,878,500 | 4,093 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9428% | 1,706 |
| Cost of funding earning assets | 0.3713% | 2,123 |
| Net interest margin | 3.5715% | 1,660 |
| Noninterest income to average assets | 0.5098% | 2,586 |
| Noninterest expense to average assets | 2.1731% | 3,177 |
| Loan and lease loss provision to assets | 0.0240% | 2,490 |
| Net operating income to assets | 1.4634% | 1,393 |
| Return on assets (ROA) | 1.4634% | 1,451 |
| Pretax return on assets | 1.5434% | 1,893 |
| Return on Equity (ROE) | 9.8460% | 2,804 |
| Retained earnings to average equity (ytd only) | 7.8284% | 2,141 |
| Net charge-offs to loans | -0.0423% | 4,294 |
| Credit loss provision to net charge-offs | -120.0000% | 3,091 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0973% | 3,271 |
| Assets per employee ($millions) | 6.6355% | 2,066 |
| Cash dividends to net income (ytd only)* | 20.4918% | 2,493 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9462% | 4,012 |
| Loan loss allowance to noncurrent loans | 45,000.0000% | 27 |
| Noncurrent assets plus other real estate owned to assets | 0.0010% | 4,340 |
| Noncurrent loans to loans | 0.0021% | 4,259 |
| Net loans and leases to total assets | 47.3300% | 3,793 |
| Net loans and leases to deposits | 58.2736% | 3,522 |
| Net loans and leases to core deposits | 59.6868% | 3,639 |
| Total domestic deposits to total assets | 81.2203% | 4,060 |
| Equity capital to assets | 15.1698% | 504 |
| Core capital (leverage) ratio | 14.4182% | 559 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $100,040,000 | 4,065 |
| Average earning assets | $90,494,000 | 4,079 |
| Average equity | $14,869,000 | 3,697 |
| Average total loans | $47,268,000 | 4,128 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2827% | 1,069 |
| Cost of funding earning assets | 0.3761% | 2,306 |
| Net interest margin | 3.9067% | 975 |
| Noninterest income to average assets | 0.5623% | 2,363 |
| Noninterest expense to average assets | 2.4010% | 2,485 |
| Loan and lease loss provision to assets | 0.0239% | 2,471 |
| Net operating income to assets | 1.6591% | 1,006 |
| Return on assets (ROA) | 1.6591% | 1,055 |
| Pretax return on assets | 1.6591% | 1,583 |
| Return on Equity (ROE) | 11.2783% | 2,280 |
| Retained earnings to average equity (ytd only) | 7.2116% | 2,504 |
| Net charge-offs to loans | -0.0340% | 4,230 |
| Credit loss provision to net charge-offs | -150.0000% | 2,901 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.7891% | 3,189 |
| Assets per employee ($millions) | 6.9872% | 1,814 |
| Cash dividends to net income (ytd only)* | 36.0577% | 1,524 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9770% | 3,938 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 42.3546% | 4,209 |
| Net loans and leases to deposits | 51.3797% | 4,077 |
| Net loans and leases to core deposits | 52.5368% | 4,172 |
| Total domestic deposits to total assets | 82.4345% | 3,806 |
| Equity capital to assets | 14.1669% | 633 |
| Core capital (leverage) ratio | 14.2736% | 610 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $100,293,500 | 4,071 |
| Average earning assets | $90,409,500 | 4,094 |
| Average equity | $14,754,000 | 3,713 |
| Average total loans | $47,122,500 | 4,156 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6526% | 3,688 |
| Cost of funding earning assets | 0.5348% | 2,715 |
| Net interest margin | 3.1178% | 3,588 |
| Noninterest income to average assets | 0.6531% | 2,014 |
| Noninterest expense to average assets | 2.4901% | 2,882 |
| Loan and lease loss provision to assets | 0.0559% | 3,670 |
| Net operating income to assets | 0.9294% | 2,565 |
| Return on assets (ROA) | 0.9294% | 2,713 |
| Pretax return on assets | 0.9225% | 3,308 |
| Return on Equity (ROE) | 5.7123% | 3,677 |
| Retained earnings to average equity (ytd only) | 4.6596% | 2,445 |
| Net charge-offs to loans | 0.0043% | 3,206 |
| Credit loss provision to net charge-offs | 2,450.0000% | 379 |
| Earnings coverage of net charge-offs (x) | 428.5000% | 263 |
| Efficiency ratio | 71.7907% | 1,701 |
| Assets per employee ($millions) | 6.3853% | 2,015 |
| Cash dividends to net income (ytd only)* | 18.4275% | 3,309 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8661% | 4,281 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 51.1469% | 3,738 |
| Net loans and leases to deposits | 62.8011% | 3,542 |
| Net loans and leases to core deposits | 64.3622% | 3,668 |
| Total domestic deposits to total assets | 81.4427% | 3,775 |
| Equity capital to assets | 15.3061% | 519 |
| Core capital (leverage) ratio | 15.3283% | 459 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $87,587,800 | 4,147 |
| Average earning assets | $79,094,400 | 4,171 |
| Average equity | $14,250,000 | 3,723 |
| Average total loans | $46,412,200 | 4,176 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7335% | 3,715 |
| Cost of funding earning assets | 0.5635% | 2,846 |
| Net interest margin | 3.1699% | 3,567 |
| Noninterest income to average assets | 0.6952% | 1,815 |
| Noninterest expense to average assets | 2.4627% | 2,955 |
| Loan and lease loss provision to assets | 0.0666% | 3,505 |
| Net operating income to assets | 1.0116% | 2,301 |
| Return on assets (ROA) | 1.0116% | 2,429 |
| Pretax return on assets | 1.0412% | 2,934 |
| Return on Equity (ROE) | 6.1164% | 3,517 |
| Retained earnings to average equity (ytd only) | 4.7027% | 2,691 |
| Net charge-offs to loans | -0.0058% | 4,085 |
| Credit loss provision to net charge-offs | -2,150.0000% | 4,091 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9655% | 2,044 |
| Assets per employee ($millions) | 5.9897% | 2,274 |
| Cash dividends to net income (ytd only)* | 23.1125% | 2,652 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8686% | 4,165 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 54.1115% | 3,793 |
| Net loans and leases to deposits | 67.5621% | 3,505 |
| Net loans and leases to core deposits | 69.3746% | 3,671 |
| Total domestic deposits to total assets | 80.0915% | 3,843 |
| Equity capital to assets | 16.1732% | 451 |
| Core capital (leverage) ratio | 15.7932% | 437 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $85,540,000 | 4,182 |
| Average earning assets | $77,602,250 | 4,201 |
| Average equity | $14,147,500 | 3,743 |
| Average total loans | $45,661,250 | 4,216 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7928% | 3,870 |
| Cost of funding earning assets | 0.5980% | 2,975 |
| Net interest margin | 3.1947% | 3,681 |
| Noninterest income to average assets | 0.7063% | 1,718 |
| Noninterest expense to average assets | 2.4826% | 3,009 |
| Loan and lease loss provision to assets | 0.0285% | 3,896 |
| Net operating income to assets | 1.0463% | 2,162 |
| Return on assets (ROA) | 1.0463% | 2,296 |
| Pretax return on assets | 1.0915% | 2,732 |
| Return on Equity (ROE) | 6.2769% | 3,412 |
| Retained earnings to average equity (ytd only) | 4.1370% | 2,845 |
| Net charge-offs to loans | -0.0135% | 4,291 |
| Credit loss provision to net charge-offs | -400.0000% | 3,578 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9109% | 2,102 |
| Assets per employee ($millions) | 5.8916% | 2,279 |
| Cash dividends to net income (ytd only)* | 34.0909% | 2,180 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8677% | 4,129 |
| Loan loss allowance to noncurrent loans | 6,600.0000% | 108 |
| Noncurrent assets plus other real estate owned to assets | 0.0068% | 4,552 |
| Noncurrent loans to loans | 0.0131% | 4,456 |
| Net loans and leases to total assets | 51.1961% | 4,079 |
| Net loans and leases to deposits | 63.5833% | 3,912 |
| Net loans and leases to core deposits | 65.2985% | 4,007 |
| Total domestic deposits to total assets | 80.5180% | 3,724 |
| Equity capital to assets | 16.2152% | 445 |
| Core capital (leverage) ratio | 16.1049% | 426 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $84,104,667 | 4,204 |
| Average earning assets | $76,250,333 | 4,224 |
| Average equity | $14,019,667 | 3,760 |
| Average total loans | $44,534,000 | 4,242 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7917% | 4,251 |
| Cost of funding earning assets | 0.6545% | 3,150 |
| Net interest margin | 3.1372% | 4,018 |
| Noninterest income to average assets | 0.9028% | 1,057 |
| Noninterest expense to average assets | 2.8596% | 2,241 |
| Loan and lease loss provision to assets | 0.0293% | 3,416 |
| Net operating income to assets | 0.8442% | 2,737 |
| Return on assets (ROA) | 0.8442% | 2,824 |
| Pretax return on assets | 0.8442% | 3,296 |
| Return on Equity (ROE) | 4.9912% | 3,637 |
| Retained earnings to average equity (ytd only) | 0.6636% | 3,825 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6013% | 1,500 |
| Assets per employee ($millions) | 5.5847% | 2,036 |
| Cash dividends to net income (ytd only)* | 86.7052% | 909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8986% | 4,113 |
| Loan loss allowance to noncurrent loans | 38,700.0000% | 27 |
| Noncurrent assets plus other real estate owned to assets | 0.0012% | 4,649 |
| Noncurrent loans to loans | 0.0023% | 4,576 |
| Net loans and leases to total assets | 50.9472% | 4,187 |
| Net loans and leases to deposits | 62.9363% | 4,041 |
| Net loans and leases to core deposits | 64.7093% | 4,140 |
| Total domestic deposits to total assets | 80.9504% | 3,675 |
| Equity capital to assets | 16.5929% | 497 |
| Core capital (leverage) ratio | 16.5909% | 452 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $81,970,000 | 4,242 |
| Average earning assets | $73,951,500 | 4,259 |
| Average equity | $13,864,500 | 3,785 |
| Average total loans | $43,981,000 | 4,279 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0005% | 4,257 |
| Cost of funding earning assets | 0.6317% | 3,501 |
| Net interest margin | 3.3688% | 3,830 |
| Noninterest income to average assets | 0.7342% | 1,689 |
| Noninterest expense to average assets | 2.8670% | 2,388 |
| Loan and lease loss provision to assets | 0.0323% | 3,369 |
| Net operating income to assets | 0.9174% | 3,137 |
| Return on assets (ROA) | 0.9174% | 3,214 |
| Pretax return on assets | 0.8761% | 3,809 |
| Return on Equity (ROE) | 5.2997% | 4,128 |
| Retained earnings to average equity (ytd only) | 4.1816% | 2,868 |
| Net charge-offs to loans | 0.0574% | 2,282 |
| Credit loss provision to net charge-offs | 104.1667% | 2,375 |
| Earnings coverage of net charge-offs (x) | 29.3333% | 1,605 |
| Efficiency ratio | 75.9398% | 1,379 |
| Assets per employee ($millions) | 5.0106% | 2,583 |
| Cash dividends to net income (ytd only)* | 21.0970% | 3,447 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8486% | 4,157 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 55.5265% | 3,954 |
| Net loans and leases to deposits | 68.4983% | 3,776 |
| Net loans and leases to core deposits | 70.5021% | 3,936 |
| Total domestic deposits to total assets | 81.0625% | 3,755 |
| Equity capital to assets | 17.2498% | 439 |
| Core capital (leverage) ratio | 16.9799% | 416 |
| Tier 1 risk-based capital ratio | 27.8822% | 570 |
| Total risk-based capital ratio | 28.6661% | 582 |
| Memoranda: | ||
| Average total assets | $77,502,200 | 4,329 |
| Average earning assets | $69,966,000 | 4,345 |
| Average equity | $13,415,800 | 3,837 |
| Average total loans | $41,841,000 | 4,364 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9830% | 4,396 |
| Cost of funding earning assets | 0.6178% | 3,596 |
| Net interest margin | 3.3652% | 3,948 |
| Noninterest income to average assets | 0.7947% | 1,430 |
| Noninterest expense to average assets | 2.8285% | 2,476 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.0099% | 2,948 |
| Return on assets (ROA) | 1.0099% | 3,027 |
| Pretax return on assets | 1.0099% | 3,566 |
| Return on Equity (ROE) | 5.8290% | 4,095 |
| Retained earnings to average equity (ytd only) | 4.3267% | 3,231 |
| Net charge-offs to loans | -0.0130% | 4,460 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6890% | 1,617 |
| Assets per employee ($millions) | 5.5639% | 1,971 |
| Cash dividends to net income (ytd only)* | 25.7739% | 2,794 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8886% | 4,092 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0385% | 4,529 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 54.9837% | 4,105 |
| Net loans and leases to deposits | 68.4016% | 3,896 |
| Net loans and leases to core deposits | 70.4679% | 4,035 |
| Total domestic deposits to total assets | 80.3836% | 3,897 |
| Equity capital to assets | 17.6150% | 422 |
| Core capital (leverage) ratio | 17.5346% | 388 |
| Tier 1 risk-based capital ratio | 28.5611% | 537 |
| Total risk-based capital ratio | 29.3781% | 547 |
| Memoranda: | ||
| Average total assets | $76,835,500 | 4,389 |
| Average earning assets | $69,493,500 | 4,406 |
| Average equity | $13,312,500 | 3,886 |
| Average total loans | $41,077,250 | 4,441 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9083% | 4,540 |
| Cost of funding earning assets | 0.5922% | 3,688 |
| Net interest margin | 3.3162% | 4,105 |
| Noninterest income to average assets | 0.7897% | 1,380 |
| Noninterest expense to average assets | 2.8922% | 2,301 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.8996% | 3,285 |
| Return on assets (ROA) | 0.8996% | 3,355 |
| Pretax return on assets | 0.8996% | 3,843 |
| Return on Equity (ROE) | 5.2215% | 4,288 |
| Retained earnings to average equity (ytd only) | 2.9447% | 3,743 |
| Net charge-offs to loans | 0.0099% | 2,775 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 172.0000% | 436 |
| Efficiency ratio | 76.2759% | 1,355 |
| Assets per employee ($millions) | 5.1028% | 2,356 |
| Cash dividends to net income (ytd only)* | 43.6047% | 2,063 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9259% | 3,978 |
| Loan loss allowance to noncurrent loans | 741.1765% | 731 |
| Noncurrent assets plus other real estate owned to assets | 0.1058% | 4,229 |
| Noncurrent loans to loans | 0.1249% | 4,115 |
| Net loans and leases to total assets | 52.8429% | 4,300 |
| Net loans and leases to deposits | 65.7087% | 4,118 |
| Net loans and leases to core deposits | 67.7164% | 4,221 |
| Total domestic deposits to total assets | 80.4199% | 3,954 |
| Equity capital to assets | 17.5590% | 419 |
| Core capital (leverage) ratio | 17.2788% | 400 |
| Tier 1 risk-based capital ratio | 29.5949% | 491 |
| Total risk-based capital ratio | 30.4433% | 503 |
| Memoranda: | ||
| Average total assets | $76,482,670 | 4,429 |
| Average earning assets | $69,236,670 | 4,446 |
| Average equity | $13,176,330 | 3,909 |
| Average total loans | $40,365,330 | 4,488 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8168% | 4,685 |
| Cost of funding earning assets | 0.5486% | 3,829 |
| Net interest margin | 3.2683% | 4,236 |
| Noninterest income to average assets | 0.8633% | 1,133 |
| Noninterest expense to average assets | 3.3537% | 1,189 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.4709% | 4,596 |
| Return on assets (ROA) | 0.4709% | 4,618 |
| Pretax return on assets | 0.4709% | 4,745 |
| Return on Equity (ROE) | 2.7598% | 4,838 |
| Retained earnings to average equity (ytd only) | -1.8399% | 4,733 |
| Net charge-offs to loans | 0.0399% | 1,707 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 22.5000% | 1,496 |
| Efficiency ratio | 87.6881% | 503 |
| Assets per employee ($millions) | 4.8104% | 2,779 |
| Cash dividends to net income (ytd only)* | 166.6667% | 275 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9612% | 3,922 |
| Loan loss allowance to noncurrent loans | 569.6970% | 941 |
| Noncurrent assets plus other real estate owned to assets | 0.1247% | 4,173 |
| Noncurrent loans to loans | 0.1687% | 3,994 |
| Net loans and leases to total assets | 50.3339% | 4,443 |
| Net loans and leases to deposits | 62.4365% | 4,281 |
| Net loans and leases to core deposits | 64.0013% | 4,377 |
| Total domestic deposits to total assets | 80.6161% | 4,050 |
| Equity capital to assets | 16.9802% | 448 |
| Core capital (leverage) ratio | 16.7676% | 449 |
| Tier 1 risk-based capital ratio | 29.8619% | 482 |
| Total risk-based capital ratio | 30.7302% | 485 |
| Memoranda: | ||
| Average total assets | $76,453,000 | 4,478 |
| Average earning assets | $69,272,500 | 4,494 |
| Average equity | $13,044,500 | 3,942 |
| Average total loans | $40,135,500 | 4,537 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7405% | 4,606 |
| Cost of funding earning assets | 0.3634% | 4,201 |
| Net interest margin | 3.3771% | 4,061 |
| Noninterest income to average assets | 0.7747% | 1,548 |
| Noninterest expense to average assets | 2.7704% | 2,783 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.0674% | 2,726 |
| Return on assets (ROA) | 1.0674% | 2,712 |
| Pretax return on assets | 1.0568% | 3,419 |
| Return on Equity (ROE) | 6.3997% | 4,035 |
| Retained earnings to average equity (ytd only) | 5.2087% | 2,659 |
| Net charge-offs to loans | 0.0526% | 2,402 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 38.0000% | 1,362 |
| Efficiency ratio | 72.3875% | 1,852 |
| Assets per employee ($millions) | 4.4671% | 3,215 |
| Cash dividends to net income (ytd only)* | 18.6104% | 3,524 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9233% | 4,072 |
| Loan loss allowance to noncurrent loans | 644.0678% | 881 |
| Noncurrent assets plus other real estate owned to assets | 0.1172% | 4,240 |
| Noncurrent loans to loans | 0.1434% | 4,097 |
| Net loans and leases to total assets | 53.6937% | 4,304 |
| Net loans and leases to deposits | 66.7939% | 4,056 |
| Net loans and leases to core deposits | 68.4868% | 4,208 |
| Total domestic deposits to total assets | 80.3871% | 4,016 |
| Equity capital to assets | 17.1451% | 406 |
| Core capital (leverage) ratio | 17.0970% | 399 |
| Tier 1 risk-based capital ratio | 29.1176% | 506 |
| Total risk-based capital ratio | 29.9693% | 520 |
| Memoranda: | ||
| Average total assets | $75,512,000 | 4,506 |
| Average earning assets | $68,253,400 | 4,523 |
| Average equity | $12,594,400 | 3,944 |
| Average total loans | $39,896,600 | 4,552 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6504% | 4,726 |
| Cost of funding earning assets | 0.3208% | 4,373 |
| Net interest margin | 3.3296% | 4,203 |
| Noninterest income to average assets | 0.7762% | 1,552 |
| Noninterest expense to average assets | 2.7018% | 2,975 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.9760% | 3,192 |
| Return on assets (ROA) | 0.9760% | 3,203 |
| Pretax return on assets | 1.0839% | 3,456 |
| Return on Equity (ROE) | 5.8935% | 4,291 |
| Retained earnings to average equity (ytd only) | 4.2920% | 3,617 |
| Net charge-offs to loans | 0.1213% | 1,298 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 17.0273% | 2,128 |
| Efficiency ratio | 71.3685% | 1,984 |
| Assets per employee ($millions) | 4.3740% | 3,319 |
| Cash dividends to net income (ytd only)* | 27.1747% | 2,685 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9287% | 4,140 |
| Loan loss allowance to noncurrent loans | 9,125.0000% | 96 |
| Noncurrent assets plus other real estate owned to assets | 0.0054% | 4,999 |
| Noncurrent loans to loans | 0.0102% | 4,878 |
| Net loans and leases to total assets | 52.3669% | 4,466 |
| Net loans and leases to deposits | 66.0173% | 4,198 |
| Net loans and leases to core deposits | 67.7400% | 4,304 |
| Total domestic deposits to total assets | 79.3230% | 4,248 |
| Equity capital to assets | 17.0755% | 416 |
| Core capital (leverage) ratio | 16.9777% | 423 |
| Tier 1 risk-based capital ratio | 29.1989% | 514 |
| Total risk-based capital ratio | 30.0355% | 520 |
| Memoranda: | ||
| Average total assets | $75,405,000 | 4,550 |
| Average earning assets | $68,155,750 | 4,569 |
| Average equity | $12,488,000 | 3,987 |
| Average total loans | $39,582,000 | 4,609 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5878% | 4,783 |
| Cost of funding earning assets | 0.2895% | 4,502 |
| Net interest margin | 3.2983% | 4,255 |
| Noninterest income to average assets | 0.7181% | 1,803 |
| Noninterest expense to average assets | 2.6665% | 3,114 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.9108% | 3,416 |
| Return on assets (ROA) | 0.9108% | 3,419 |
| Pretax return on assets | 1.0296% | 3,571 |
| Return on Equity (ROE) | 5.5563% | 4,386 |
| Retained earnings to average equity (ytd only) | 3.1405% | 3,997 |
| Net charge-offs to loans | 0.1462% | 1,047 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 13.4483% | 2,149 |
| Efficiency ratio | 72.1429% | 1,982 |
| Assets per employee ($millions) | 4.6874% | 2,830 |
| Cash dividends to net income (ytd only)* | 43.4783% | 1,959 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9702% | 4,009 |
| Loan loss allowance to noncurrent loans | 37,200.0000% | 23 |
| Noncurrent assets plus other real estate owned to assets | 0.0013% | 5,064 |
| Noncurrent loans to loans | 0.0026% | 4,964 |
| Net loans and leases to total assets | 50.6287% | 4,573 |
| Net loans and leases to deposits | 62.9827% | 4,355 |
| Net loans and leases to core deposits | 62.9827% | 4,555 |
| Total domestic deposits to total assets | 80.3851% | 4,158 |
| Equity capital to assets | 16.7082% | 427 |
| Core capital (leverage) ratio | 16.5354% | 439 |
| Tier 1 risk-based capital ratio | 29.0298% | 516 |
| Total risk-based capital ratio | 29.8916% | 527 |
| Memoranda: | ||
| Average total assets | $75,754,000 | 4,596 |
| Average earning assets | $68,398,000 | 4,616 |
| Average equity | $12,418,330 | 4,023 |
| Average total loans | $39,674,670 | 4,650 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5290% | 4,825 |
| Cost of funding earning assets | 0.2786% | 4,519 |
| Net interest margin | 3.2504% | 4,312 |
| Noninterest income to average assets | 0.8512% | 1,297 |
| Noninterest expense to average assets | 3.0421% | 1,964 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.6988% | 4,104 |
| Return on assets (ROA) | 0.6988% | 4,110 |
| Pretax return on assets | 0.7513% | 4,289 |
| Return on Equity (ROE) | 4.3035% | 4,682 |
| Retained earnings to average equity (ytd only) | -0.5501% | 4,867 |
| Net charge-offs to loans | -0.0595% | 5,043 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.1939% | 1,114 |
| Assets per employee ($millions) | 4.8639% | 2,656 |
| Cash dividends to net income (ytd only)* | 112.7820% | 497 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0414% | 3,719 |
| Loan loss allowance to noncurrent loans | 2,713.3333% | 260 |
| Noncurrent assets plus other real estate owned to assets | 0.0193% | 5,019 |
| Noncurrent loans to loans | 0.0384% | 4,800 |
| Net loans and leases to total assets | 49.6967% | 4,582 |
| Net loans and leases to deposits | 60.9698% | 4,405 |
| Net loans and leases to core deposits | 61.2314% | 4,601 |
| Total domestic deposits to total assets | 81.5104% | 4,089 |
| Equity capital to assets | 15.8361% | 515 |
| Core capital (leverage) ratio | 15.8680% | 507 |
| Tier 1 risk-based capital ratio | 27.6639% | 577 |
| Total risk-based capital ratio | 28.5778% | 588 |
| Memoranda: | ||
| Average total assets | $76,131,500 | 4,636 |
| Average earning assets | $68,915,000 | 4,663 |
| Average equity | $12,362,000 | 4,066 |
| Average total loans | $40,340,500 | 4,682 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5202% | 4,756 |
| Cost of funding earning assets | 0.2691% | 4,406 |
| Net interest margin | 3.2511% | 4,301 |
| Noninterest income to average assets | 0.9089% | 1,244 |
| Noninterest expense to average assets | 2.9738% | 2,237 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.7279% | 3,481 |
| Return on assets (ROA) | 0.7279% | 3,519 |
| Pretax return on assets | 0.8402% | 4,122 |
| Return on Equity (ROE) | 4.4963% | 4,351 |
| Retained earnings to average equity (ytd only) | 3.2722% | 3,343 |
| Net charge-offs to loans | -0.0048% | 4,631 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.9702% | 1,358 |
| Assets per employee ($millions) | 4.6526% | 2,949 |
| Cash dividends to net income (ytd only)* | 27.2232% | 3,416 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9640% | 4,144 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 55.3432% | 4,245 |
| Net loans and leases to deposits | 68.2696% | 4,006 |
| Net loans and leases to core deposits | 68.5776% | 4,254 |
| Total domestic deposits to total assets | 81.0655% | 4,107 |
| Equity capital to assets | 16.6575% | 433 |
| Core capital (leverage) ratio | 16.5205% | 412 |
| Tier 1 risk-based capital ratio | 27.2330% | 585 |
| Total risk-based capital ratio | 28.1182% | 592 |
| Memoranda: | ||
| Average total assets | $75,693,600 | 4,676 |
| Average earning assets | $67,638,800 | 4,712 |
| Average equity | $12,254,600 | 4,101 |
| Average total loans | $42,006,800 | 4,666 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4961% | 4,822 |
| Cost of funding earning assets | 0.2694% | 4,415 |
| Net interest margin | 3.2267% | 4,392 |
| Noninterest income to average assets | 0.8455% | 1,434 |
| Noninterest expense to average assets | 2.5646% | 3,520 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.0455% | 2,353 |
| Return on assets (ROA) | 1.0455% | 2,389 |
| Pretax return on assets | 1.1595% | 3,072 |
| Return on Equity (ROE) | 6.5038% | 3,911 |
| Retained earnings to average equity (ytd only) | 4.8669% | 2,975 |
| Net charge-offs to loans | -0.0127% | 4,705 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8648% | 2,733 |
| Assets per employee ($millions) | 4.6323% | 2,929 |
| Cash dividends to net income (ytd only)* | 25.1683% | 2,938 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9366% | 4,399 |
| Loan loss allowance to noncurrent loans | 620.0000% | 871 |
| Noncurrent assets plus other real estate owned to assets | 0.2698% | 3,989 |
| Noncurrent loans to loans | 0.1511% | 4,451 |
| Net loans and leases to total assets | 57.5091% | 4,109 |
| Net loans and leases to deposits | 71.3217% | 3,846 |
| Net loans and leases to core deposits | 71.6466% | 4,154 |
| Total domestic deposits to total assets | 80.6333% | 4,161 |
| Equity capital to assets | 16.8882% | 441 |
| Core capital (leverage) ratio | 16.7232% | 406 |
| Tier 1 risk-based capital ratio | 26.7719% | 635 |
| Total risk-based capital ratio | 27.6436% | 643 |
| Memoranda: | ||
| Average total assets | $76,006,750 | 4,711 |
| Average earning assets | $67,807,500 | 4,753 |
| Average equity | $12,218,250 | 4,140 |
| Average total loans | $42,108,750 | 4,712 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4748% | 4,824 |
| Cost of funding earning assets | 0.2707% | 4,370 |
| Net interest margin | 3.2041% | 4,406 |
| Noninterest income to average assets | 0.8351% | 1,452 |
| Noninterest expense to average assets | 2.4714% | 3,844 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.0491% | 2,211 |
| Return on assets (ROA) | 1.0491% | 2,253 |
| Pretax return on assets | 1.2057% | 2,751 |
| Return on Equity (ROE) | 6.6344% | 3,762 |
| Retained earnings to average equity (ytd only) | 4.1589% | 3,231 |
| Net charge-offs to loans | -0.0287% | 4,937 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2108% | 3,152 |
| Assets per employee ($millions) | 4.3795% | 3,298 |
| Cash dividends to net income (ytd only)* | 37.3134% | 2,451 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9971% | 4,164 |
| Loan loss allowance to noncurrent loans | 393.2039% | 1,271 |
| Noncurrent assets plus other real estate owned to assets | 0.2337% | 4,216 |
| Noncurrent loans to loans | 0.2536% | 4,130 |
| Net loans and leases to total assets | 54.0133% | 4,390 |
| Net loans and leases to deposits | 66.6501% | 4,176 |
| Net loans and leases to core deposits | 66.9508% | 4,420 |
| Total domestic deposits to total assets | 81.0401% | 4,173 |
| Equity capital to assets | 16.5476% | 462 |
| Core capital (leverage) ratio | 16.0514% | 469 |
| Tier 1 risk-based capital ratio | 27.2360% | 596 |
| Total risk-based capital ratio | 28.1411% | 601 |
| Memoranda: | ||
| Average total assets | $76,636,670 | 4,734 |
| Average earning assets | $67,975,000 | 4,787 |
| Average equity | $12,118,670 | 4,163 |
| Average total loans | $41,802,670 | 4,749 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3917% | 4,942 |
| Cost of funding earning assets | 0.2600% | 4,455 |
| Net interest margin | 3.1317% | 4,558 |
| Noninterest income to average assets | 0.9006% | 1,239 |
| Noninterest expense to average assets | 2.7789% | 2,869 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.7565% | 3,449 |
| Return on assets (ROA) | 0.7565% | 3,499 |
| Pretax return on assets | 0.9109% | 3,726 |
| Return on Equity (ROE) | 4.8927% | 4,435 |
| Retained earnings to average equity (ytd only) | -0.0999% | 4,934 |
| Net charge-offs to loans | -0.0189% | 4,709 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.3138% | 2,018 |
| Assets per employee ($millions) | 4.6051% | 2,997 |
| Cash dividends to net income (ytd only)* | 102.0408% | 676 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9704% | 4,442 |
| Loan loss allowance to noncurrent loans | 2,358.8235% | 306 |
| Noncurrent assets plus other real estate owned to assets | 0.2146% | 4,362 |
| Noncurrent loans to loans | 0.0411% | 5,032 |
| Net loans and leases to total assets | 52.2750% | 4,491 |
| Net loans and leases to deposits | 64.0178% | 4,309 |
| Net loans and leases to core deposits | 64.2691% | 4,518 |
| Total domestic deposits to total assets | 81.6570% | 4,261 |
| Equity capital to assets | 15.3744% | 580 |
| Core capital (leverage) ratio | 15.2604% | 562 |
| Tier 1 risk-based capital ratio | 25.8136% | 700 |
| Total risk-based capital ratio | 26.6801% | 720 |
| Memoranda: | ||
| Average total assets | $77,729,000 | 4,757 |
| Average earning assets | $69,227,000 | 4,807 |
| Average equity | $12,018,000 | 4,212 |
| Average total loans | $42,394,500 | 4,775 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4340% | 4,917 |
| Cost of funding earning assets | 0.2902% | 4,171 |
| Net interest margin | 3.1439% | 4,607 |
| Noninterest income to average assets | 0.8124% | 1,707 |
| Noninterest expense to average assets | 2.6660% | 3,470 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.8381% | 3,119 |
| Return on assets (ROA) | 0.8381% | 3,229 |
| Pretax return on assets | 0.9319% | 3,726 |
| Return on Equity (ROE) | 5.5250% | 4,199 |
| Retained earnings to average equity (ytd only) | 4.2539% | 2,880 |
| Net charge-offs to loans | 0.0216% | 3,614 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 80.5556% | 710 |
| Efficiency ratio | 74.0979% | 2,274 |
| Assets per employee ($millions) | 4.5395% | 3,056 |
| Cash dividends to net income (ytd only)* | 23.0061% | 3,607 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9180% | 4,707 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1957% | 4,538 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 55.8039% | 4,280 |
| Net loans and leases to deposits | 68.4114% | 4,055 |
| Net loans and leases to core deposits | 68.4114% | 4,364 |
| Total domestic deposits to total assets | 81.5710% | 4,186 |
| Equity capital to assets | 15.5497% | 554 |
| Core capital (leverage) ratio | 15.4665% | 534 |
| Tier 1 risk-based capital ratio | 24.8796% | 779 |
| Total risk-based capital ratio | 25.7114% | 801 |
| Memoranda: | ||
| Average total assets | $77,795,400 | 4,772 |
| Average earning assets | $68,927,400 | 4,827 |
| Average equity | $11,800,800 | 4,277 |
| Average total loans | $41,620,000 | 4,828 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4024% | 5,022 |
| Cost of funding earning assets | 0.2895% | 4,214 |
| Net interest margin | 3.1129% | 4,740 |
| Noninterest income to average assets | 0.7731% | 1,872 |
| Noninterest expense to average assets | 2.4288% | 4,199 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.0382% | 2,253 |
| Return on assets (ROA) | 1.0382% | 2,376 |
| Pretax return on assets | 1.1032% | 3,221 |
| Return on Equity (ROE) | 6.8872% | 3,620 |
| Retained earnings to average equity (ytd only) | 5.1853% | 2,706 |
| Net charge-offs to loans | -0.0065% | 4,667 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7651% | 3,087 |
| Assets per employee ($millions) | 4.5236% | 3,048 |
| Cash dividends to net income (ytd only)* | 24.7124% | 3,038 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9516% | 4,655 |
| Loan loss allowance to noncurrent loans | 6,833.3333% | 106 |
| Noncurrent assets plus other real estate owned to assets | 0.2042% | 4,616 |
| Noncurrent loans to loans | 0.0139% | 5,346 |
| Net loans and leases to total assets | 55.4934% | 4,360 |
| Net loans and leases to deposits | 72.5802% | 3,744 |
| Net loans and leases to core deposits | 72.5802% | 4,117 |
| Total domestic deposits to total assets | 76.4580% | 5,174 |
| Equity capital to assets | 15.6721% | 604 |
| Core capital (leverage) ratio | 15.7173% | 527 |
| Tier 1 risk-based capital ratio | 24.9669% | 817 |
| Total risk-based capital ratio | 25.8279% | 839 |
| Memoranda: | ||
| Average total assets | $77,951,250 | 4,810 |
| Average earning assets | $69,087,750 | 4,862 |
| Average equity | $11,751,000 | 4,327 |
| Average total loans | $41,159,000 | 4,886 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3536% | 5,176 |
| Cost of funding earning assets | 0.2943% | 4,200 |
| Net interest margin | 3.0594% | 4,950 |
| Noninterest income to average assets | 0.7280% | 2,017 |
| Noninterest expense to average assets | 2.3090% | 4,587 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.0498% | 2,175 |
| Return on assets (ROA) | 1.0498% | 2,303 |
| Pretax return on assets | 1.1009% | 3,194 |
| Return on Equity (ROE) | 7.0554% | 3,508 |
| Retained earnings to average equity (ytd only) | 4.4804% | 3,063 |
| Net charge-offs to loans | -0.0099% | 4,691 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7154% | 3,399 |
| Assets per employee ($millions) | 4.5244% | 2,978 |
| Cash dividends to net income (ytd only)* | 36.4964% | 2,580 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0087% | 4,469 |
| Loan loss allowance to noncurrent loans | 585.7143% | 939 |
| Noncurrent assets plus other real estate owned to assets | 0.2873% | 4,345 |
| Noncurrent loans to loans | 0.1722% | 4,745 |
| Net loans and leases to total assets | 52.3149% | 4,641 |
| Net loans and leases to deposits | 64.3396% | 4,472 |
| Net loans and leases to core deposits | 64.3396% | 4,723 |
| Total domestic deposits to total assets | 81.3105% | 4,184 |
| Equity capital to assets | 15.4482% | 637 |
| Core capital (leverage) ratio | 15.2607% | 562 |
| Tier 1 risk-based capital ratio | 25.4854% | 771 |
| Total risk-based capital ratio | 26.3789% | 785 |
| Memoranda: | ||
| Average total assets | $78,301,330 | 4,855 |
| Average earning assets | $68,642,000 | 4,916 |
| Average equity | $11,650,670 | 4,376 |
| Average total loans | $40,517,000 | 4,956 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3967% | 5,138 |
| Cost of funding earning assets | 0.2928% | 4,251 |
| Net interest margin | 3.1039% | 4,851 |
| Noninterest income to average assets | 0.8304% | 1,516 |
| Noninterest expense to average assets | 2.7698% | 3,186 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.6532% | 3,962 |
| Return on assets (ROA) | 0.6532% | 4,081 |
| Pretax return on assets | 0.7444% | 4,383 |
| Return on Equity (ROE) | 4.4733% | 4,714 |
| Retained earnings to average equity (ytd only) | -0.7282% | 5,239 |
| Net charge-offs to loans | -0.0593% | 5,407 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.8184% | 1,781 |
| Assets per employee ($millions) | 4.6534% | 2,813 |
| Cash dividends to net income (ytd only)* | 116.2791% | 557 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0656% | 4,257 |
| Loan loss allowance to noncurrent loans | 4,600.0000% | 169 |
| Noncurrent assets plus other real estate owned to assets | 0.2023% | 4,749 |
| Noncurrent loans to loans | 0.0232% | 5,406 |
| Net loans and leases to total assets | 48.5905% | 4,922 |
| Net loans and leases to deposits | 59.0361% | 4,776 |
| Net loans and leases to core deposits | 59.0361% | 4,996 |
| Total domestic deposits to total assets | 82.3065% | 4,117 |
| Equity capital to assets | 14.5535% | 824 |
| Core capital (leverage) ratio | 14.6524% | 673 |
| Tier 1 risk-based capital ratio | 25.3423% | 786 |
| Total risk-based capital ratio | 26.2640% | 795 |
| Memoranda: | ||
| Average total assets | $78,994,500 | 4,879 |
| Average earning assets | $68,302,000 | 4,972 |
| Average equity | $11,535,000 | 4,411 |
| Average total loans | $40,451,500 | 4,996 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4363% | 5,084 |
| Cost of funding earning assets | 0.3236% | 3,981 |
| Net interest margin | 3.1127% | 4,872 |
| Noninterest income to average assets | 0.8952% | 1,453 |
| Noninterest expense to average assets | 2.6935% | 3,600 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.8512% | 3,110 |
| Return on assets (ROA) | 0.8512% | 3,181 |
| Pretax return on assets | 0.9522% | 3,644 |
| Return on Equity (ROE) | 5.8206% | 4,124 |
| Retained earnings to average equity (ytd only) | 4.4937% | 2,786 |
| Net charge-offs to loans | 0.1339% | 2,023 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 13.6296% | 2,359 |
| Efficiency ratio | 73.8822% | 2,600 |
| Assets per employee ($millions) | 4.6401% | 2,826 |
| Cash dividends to net income (ytd only)* | 22.7964% | 3,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9703% | 4,767 |
| Loan loss allowance to noncurrent loans | 523.0769% | 1,014 |
| Noncurrent assets plus other real estate owned to assets | 0.2903% | 4,428 |
| Noncurrent loans to loans | 0.1855% | 4,741 |
| Net loans and leases to total assets | 52.7909% | 4,624 |
| Net loans and leases to deposits | 64.2158% | 4,458 |
| Net loans and leases to core deposits | 64.5412% | 4,705 |
| Total domestic deposits to total assets | 82.2086% | 4,110 |
| Equity capital to assets | 14.6512% | 742 |
| Core capital (leverage) ratio | 14.8823% | 640 |
| Tier 1 risk-based capital ratio | 24.4394% | 866 |
| Total risk-based capital ratio | 25.3116% | 904 |
| Memoranda: | ||
| Average total assets | $77,298,600 | 4,924 |
| Average earning assets | $68,300,800 | 4,977 |
| Average equity | $11,304,600 | 4,425 |
| Average total loans | $40,334,000 | 5,003 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4162% | 5,170 |
| Cost of funding earning assets | 0.3320% | 3,959 |
| Net interest margin | 3.0842% | 5,001 |
| Noninterest income to average assets | 0.9501% | 1,317 |
| Noninterest expense to average assets | 2.5573% | 4,023 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.9917% | 2,509 |
| Return on assets (ROA) | 0.9917% | 2,593 |
| Pretax return on assets | 1.1304% | 3,096 |
| Return on Equity (ROE) | 6.7842% | 3,736 |
| Retained earnings to average equity (ytd only) | 5.0051% | 2,914 |
| Net charge-offs to loans | 0.0468% | 2,958 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 46.5619% | 1,112 |
| Efficiency ratio | 69.3465% | 3,321 |
| Assets per employee ($millions) | 4.4895% | 3,028 |
| Cash dividends to net income (ytd only)* | 26.2243% | 2,990 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1090% | 4,174 |
| Loan loss allowance to noncurrent loans | 386.2069% | 1,294 |
| Noncurrent assets plus other real estate owned to assets | 0.3498% | 4,377 |
| Noncurrent loans to loans | 0.2872% | 4,553 |
| Net loans and leases to total assets | 52.3427% | 4,722 |
| Net loans and leases to deposits | 64.5244% | 4,512 |
| Net loans and leases to core deposits | 64.7934% | 4,774 |
| Total domestic deposits to total assets | 81.1208% | 4,443 |
| Equity capital to assets | 15.1044% | 717 |
| Core capital (leverage) ratio | 14.9973% | 635 |
| Tier 1 risk-based capital ratio | 24.9994% | 857 |
| Total risk-based capital ratio | 25.9887% | 870 |
| Memoranda: | ||
| Average total assets | $76,903,000 | 4,986 |
| Average earning assets | $68,261,000 | 5,038 |
| Average equity | $11,241,500 | 4,488 |
| Average total loans | $39,905,000 | 5,070 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3773% | 5,275 |
| Cost of funding earning assets | 0.3438% | 3,880 |
| Net interest margin | 3.0334% | 5,140 |
| Noninterest income to average assets | 0.9002% | 1,445 |
| Noninterest expense to average assets | 2.5111% | 4,209 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.9054% | 2,847 |
| Return on assets (ROA) | 0.9054% | 2,968 |
| Pretax return on assets | 1.0895% | 3,219 |
| Return on Equity (ROE) | 6.2623% | 4,005 |
| Retained earnings to average equity (ytd only) | 3.5708% | 3,753 |
| Net charge-offs to loans | -0.0503% | 5,550 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7406% | 3,371 |
| Assets per employee ($millions) | 4.4014% | 3,139 |
| Cash dividends to net income (ytd only)* | 42.9799% | 2,260 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1728% | 3,956 |
| Loan loss allowance to noncurrent loans | 467.3267% | 1,085 |
| Noncurrent assets plus other real estate owned to assets | 0.3368% | 4,528 |
| Noncurrent loans to loans | 0.2510% | 4,771 |
| Net loans and leases to total assets | 53.1567% | 4,640 |
| Net loans and leases to deposits | 65.4662% | 4,388 |
| Net loans and leases to core deposits | 65.7432% | 4,674 |
| Total domestic deposits to total assets | 81.1972% | 4,549 |
| Equity capital to assets | 15.0567% | 692 |
| Core capital (leverage) ratio | 14.4245% | 730 |
| Tier 1 risk-based capital ratio | 24.4984% | 905 |
| Total risk-based capital ratio | 25.5368% | 922 |
| Memoranda: | ||
| Average total assets | $77,096,670 | 5,033 |
| Average earning assets | $68,635,330 | 5,073 |
| Average equity | $11,146,000 | 4,536 |
| Average total loans | $39,741,000 | 5,123 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3059% | 5,441 |
| Cost of funding earning assets | 0.3538% | 3,818 |
| Net interest margin | 2.9521% | 5,339 |
| Noninterest income to average assets | 0.9254% | 1,317 |
| Noninterest expense to average assets | 2.7712% | 3,341 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.5778% | 4,371 |
| Return on assets (ROA) | 0.5778% | 4,477 |
| Pretax return on assets | 0.7567% | 4,402 |
| Return on Equity (ROE) | 4.0772% | 4,952 |
| Retained earnings to average equity (ytd only) | -1.3350% | 5,593 |
| Net charge-offs to loans | -0.0506% | 5,518 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.5507% | 2,107 |
| Assets per employee ($millions) | 4.7122% | 2,746 |
| Cash dividends to net income (ytd only)* | 132.7434% | 439 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2018% | 3,970 |
| Loan loss allowance to noncurrent loans | 6,671.4286% | 99 |
| Noncurrent assets plus other real estate owned to assets | 0.1972% | 5,165 |
| Noncurrent loans to loans | 0.0180% | 5,735 |
| Net loans and leases to total assets | 47.9234% | 5,039 |
| Net loans and leases to deposits | 58.8903% | 4,840 |
| Net loans and leases to core deposits | 59.1225% | 5,060 |
| Total domestic deposits to total assets | 81.3774% | 4,711 |
| Equity capital to assets | 13.8228% | 1,045 |
| Core capital (leverage) ratio | 13.8003% | 884 |
| Tier 1 risk-based capital ratio | 23.9249% | 1,001 |
| Total risk-based capital ratio | 24.9511% | 1,013 |
| Memoranda: | ||
| Average total assets | $78,233,000 | 5,064 |
| Average earning assets | $68,967,000 | 5,113 |
| Average equity | $11,086,000 | 4,582 |
| Average total loans | $39,488,500 | 5,156 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4536% | 5,427 |
| Cost of funding earning assets | 0.3849% | 3,848 |
| Net interest margin | 3.0687% | 5,279 |
| Noninterest income to average assets | 0.8068% | 1,851 |
| Noninterest expense to average assets | 2.6002% | 4,220 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.8235% | 3,263 |
| Return on assets (ROA) | 0.8235% | 3,353 |
| Pretax return on assets | 0.9417% | 3,727 |
| Return on Equity (ROE) | 5.9062% | 4,192 |
| Retained earnings to average equity (ytd only) | 3.2986% | 3,881 |
| Net charge-offs to loans | 0.0271% | 4,283 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 66.6364% | 732 |
| Efficiency ratio | 73.4131% | 2,945 |
| Assets per employee ($millions) | 4.4917% | 3,056 |
| Cash dividends to net income (ytd only)* | 44.1498% | 2,623 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1515% | 4,275 |
| Loan loss allowance to noncurrent loans | 5,775.0000% | 143 |
| Noncurrent assets plus other real estate owned to assets | 0.2082% | 5,192 |
| Noncurrent loans to loans | 0.0199% | 5,811 |
| Net loans and leases to total assets | 51.9362% | 4,793 |
| Net loans and leases to deposits | 64.4751% | 4,478 |
| Net loans and leases to core deposits | 64.7446% | 4,777 |
| Total domestic deposits to total assets | 80.5524% | 4,870 |
| Equity capital to assets | 14.5353% | 798 |
| Core capital (leverage) ratio | 14.4449% | 713 |
| Tier 1 risk-based capital ratio | 24.3340% | 912 |
| Total risk-based capital ratio | 25.3631% | 918 |
| Memoranda: | ||
| Average total assets | $77,839,000 | 5,113 |
| Average earning assets | $69,377,200 | 5,136 |
| Average equity | $10,853,000 | 4,593 |
| Average total loans | $40,549,600 | 5,156 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4307% | 5,536 |
| Cost of funding earning assets | 0.3886% | 3,916 |
| Net interest margin | 3.0421% | 5,396 |
| Noninterest income to average assets | 0.8524% | 1,690 |
| Noninterest expense to average assets | 2.4225% | 4,752 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.9496% | 2,685 |
| Return on assets (ROA) | 0.9496% | 2,773 |
| Pretax return on assets | 1.1524% | 2,975 |
| Return on Equity (ROE) | 6.8818% | 3,771 |
| Retained earnings to average equity (ytd only) | 3.3853% | 4,212 |
| Net charge-offs to loans | -0.0328% | 5,768 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7635% | 3,900 |
| Assets per employee ($millions) | 4.4725% | 3,019 |
| Cash dividends to net income (ytd only)* | 50.8072% | 1,807 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2114% | 4,164 |
| Loan loss allowance to noncurrent loans | 1,610.0000% | 374 |
| Noncurrent assets plus other real estate owned to assets | 0.2381% | 5,263 |
| Noncurrent loans to loans | 0.0752% | 5,728 |
| Net loans and leases to total assets | 51.8058% | 4,832 |
| Net loans and leases to deposits | 64.6569% | 4,466 |
| Net loans and leases to core deposits | 65.2481% | 4,777 |
| Total domestic deposits to total assets | 80.1242% | 5,072 |
| Equity capital to assets | 14.4873% | 852 |
| Core capital (leverage) ratio | 14.1446% | 806 |
| Tier 1 risk-based capital ratio | 24.4718% | 936 |
| Total risk-based capital ratio | 25.5621% | 932 |
| Memoranda: | ||
| Average total assets | $78,209,000 | 5,166 |
| Average earning assets | $69,993,000 | 5,176 |
| Average equity | $10,791,500 | 4,632 |
| Average total loans | $40,657,000 | 5,207 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4084% | 5,609 |
| Cost of funding earning assets | 0.3916% | 3,971 |
| Net interest margin | 3.0168% | 5,472 |
| Noninterest income to average assets | 0.7652% | 1,983 |
| Noninterest expense to average assets | 2.3133% | 5,122 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.9020% | 2,786 |
| Return on assets (ROA) | 0.9020% | 2,890 |
| Pretax return on assets | 1.1453% | 2,903 |
| Return on Equity (ROE) | 6.6437% | 3,805 |
| Retained earnings to average equity (ytd only) | 1.3623% | 5,201 |
| Net charge-offs to loans | -0.0635% | 5,980 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8864% | 4,220 |
| Assets per employee ($millions) | 4.6201% | 2,743 |
| Cash dividends to net income (ytd only)* | 79.4944% | 916 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2146% | 4,358 |
| Loan loss allowance to noncurrent loans | 270.0000% | 1,657 |
| Noncurrent assets plus other real estate owned to assets | 0.4214% | 4,742 |
| Noncurrent loans to loans | 0.4499% | 4,637 |
| Net loans and leases to total assets | 50.3253% | 4,922 |
| Net loans and leases to deposits | 62.0493% | 4,691 |
| Net loans and leases to core deposits | 62.5916% | 4,925 |
| Total domestic deposits to total assets | 81.1054% | 4,947 |
| Equity capital to assets | 13.7750% | 1,059 |
| Core capital (leverage) ratio | 13.5140% | 970 |
| Tier 1 risk-based capital ratio | 23.9494% | 994 |
| Total risk-based capital ratio | 25.0433% | 993 |
| Memoranda: | ||
| Average total assets | $78,934,670 | 5,183 |
| Average earning assets | $70,472,670 | 5,210 |
| Average equity | $10,717,000 | 4,668 |
| Average total loans | $40,918,670 | 5,233 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3807% | 5,690 |
| Cost of funding earning assets | 0.4007% | 3,959 |
| Net interest margin | 2.9800% | 5,570 |
| Noninterest income to average assets | 0.7987% | 1,757 |
| Noninterest expense to average assets | 2.5830% | 4,332 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.7683% | 3,319 |
| Return on assets (ROA) | 0.7683% | 3,402 |
| Pretax return on assets | 0.8846% | 3,755 |
| Return on Equity (ROE) | 5.7004% | 4,182 |
| Retained earnings to average equity (ytd only) | -4.9128% | 6,119 |
| Net charge-offs to loans | -0.0773% | 6,007 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4898% | 3,048 |
| Assets per employee ($millions) | 4.7898% | 2,531 |
| Cash dividends to net income (ytd only)* | 186.1842% | 289 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2114% | 4,587 |
| Loan loss allowance to noncurrent loans | 506.3158% | 939 |
| Noncurrent assets plus other real estate owned to assets | 0.3021% | 5,249 |
| Noncurrent loans to loans | 0.2393% | 5,388 |
| Net loans and leases to total assets | 48.1720% | 5,104 |
| Net loans and leases to deposits | 59.2773% | 4,825 |
| Net loans and leases to core deposits | 59.5202% | 5,082 |
| Total domestic deposits to total assets | 81.2654% | 5,160 |
| Equity capital to assets | 13.0313% | 1,291 |
| Core capital (leverage) ratio | 12.9997% | 1,163 |
| Tier 1 risk-based capital ratio | 23.3996% | 1,090 |
| Total risk-based capital ratio | 24.4781% | 1,094 |
| Memoranda: | ||
| Average total assets | $79,131,500 | 5,223 |
| Average earning assets | $70,873,000 | 5,254 |
| Average equity | $10,666,000 | 4,691 |
| Average total loans | $41,372,000 | 5,265 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6363% | 5,315 |
| Cost of funding earning assets | 0.4528% | 4,083 |
| Net interest margin | 3.1836% | 5,051 |
| Noninterest income to average assets | 0.8308% | 1,933 |
| Noninterest expense to average assets | 2.6574% | 4,253 |
| Loan and lease loss provision to assets | 0.1168% | 2,862 |
| Net operating income to assets | 0.8256% | 3,155 |
| Return on assets (ROA) | 0.8256% | 3,243 |
| Pretax return on assets | 0.9503% | 3,558 |
| Return on Equity (ROE) | 6.0521% | 4,051 |
| Retained earnings to average equity (ytd only) | 4.6247% | 2,868 |
| Net charge-offs to loans | 0.3892% | 1,732 |
| Credit loss provision to net charge-offs | 55.5556% | 3,681 |
| Earnings coverage of net charge-offs (x) | 5.0741% | 3,391 |
| Efficiency ratio | 71.3489% | 3,599 |
| Assets per employee ($millions) | 4.5198% | 2,868 |
| Cash dividends to net income (ytd only)* | 23.5849% | 3,575 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0990% | 5,152 |
| Loan loss allowance to noncurrent loans | 598.7342% | 820 |
| Noncurrent assets plus other real estate owned to assets | 0.2993% | 5,367 |
| Noncurrent loans to loans | 0.1836% | 5,649 |
| Net loans and leases to total assets | 55.3972% | 4,399 |
| Net loans and leases to deposits | 69.1641% | 3,889 |
| Net loans and leases to core deposits | 69.4678% | 4,349 |
| Total domestic deposits to total assets | 80.0953% | 5,426 |
| Equity capital to assets | 13.9531% | 915 |
| Core capital (leverage) ratio | 13.6954% | 902 |
| Tier 1 risk-based capital ratio | 22.9192% | 1,110 |
| Total risk-based capital ratio | 23.9453% | 1,124 |
| Memoranda: | ||
| Average total assets | $77,031,600 | 5,302 |
| Average earning assets | $70,015,800 | 5,312 |
| Average equity | $10,508,800 | 4,742 |
| Average total loans | $41,625,000 | 5,279 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5999% | 5,441 |
| Cost of funding earning assets | 0.4605% | 4,166 |
| Net interest margin | 3.1395% | 5,200 |
| Noninterest income to average assets | 0.9687% | 1,547 |
| Noninterest expense to average assets | 2.3542% | 5,170 |
| Loan and lease loss provision to assets | 0.1557% | 2,314 |
| Net operating income to assets | 0.9894% | 2,415 |
| Return on assets (ROA) | 0.9894% | 2,518 |
| Pretax return on assets | 1.3129% | 2,291 |
| Return on Equity (ROE) | 7.2941% | 3,490 |
| Retained earnings to average equity (ytd only) | 5.3812% | 2,814 |
| Net charge-offs to loans | 0.5233% | 1,231 |
| Credit loss provision to net charge-offs | 55.5556% | 3,386 |
| Earnings coverage of net charge-offs (x) | 5.2408% | 3,246 |
| Efficiency ratio | 61.5837% | 5,192 |
| Assets per employee ($millions) | 4.4434% | 2,974 |
| Cash dividends to net income (ytd only)* | 26.2243% | 2,835 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1040% | 5,313 |
| Loan loss allowance to noncurrent loans | 550.0000% | 818 |
| Noncurrent assets plus other real estate owned to assets | 0.3138% | 5,469 |
| Noncurrent loans to loans | 0.2007% | 5,736 |
| Net loans and leases to total assets | 56.0957% | 4,311 |
| Net loans and leases to deposits | 69.9282% | 3,795 |
| Net loans and leases to core deposits | 70.2400% | 4,298 |
| Total domestic deposits to total assets | 80.2190% | 5,454 |
| Equity capital to assets | 14.1149% | 931 |
| Core capital (leverage) ratio | 13.6834% | 957 |
| Tier 1 risk-based capital ratio | 22.9828% | 1,150 |
| Total risk-based capital ratio | 24.0179% | 1,163 |
| Memoranda: | ||
| Average total assets | $77,080,500 | 5,356 |
| Average earning assets | $70,073,750 | 5,361 |
| Average equity | $10,455,750 | 4,802 |
| Average total loans | $41,271,750 | 5,345 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5062% | 5,682 |
| Cost of funding earning assets | 0.4628% | 4,281 |
| Net interest margin | 3.0434% | 5,451 |
| Noninterest income to average assets | 0.9305% | 1,718 |
| Noninterest expense to average assets | 2.3636% | 5,168 |
| Loan and lease loss provision to assets | 0.1546% | 2,382 |
| Net operating income to assets | 0.8531% | 3,031 |
| Return on assets (ROA) | 0.8531% | 3,173 |
| Pretax return on assets | 1.1753% | 2,784 |
| Return on Equity (ROE) | 6.3734% | 3,950 |
| Retained earnings to average equity (ytd only) | 3.4851% | 4,102 |
| Net charge-offs to loans | 0.6037% | 1,096 |
| Credit loss provision to net charge-offs | 48.7805% | 3,238 |
| Earnings coverage of net charge-offs (x) | 4.1951% | 3,190 |
| Efficiency ratio | 63.9916% | 4,873 |
| Assets per employee ($millions) | 4.5549% | 2,727 |
| Cash dividends to net income (ytd only)* | 45.3172% | 2,045 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1954% | 5,024 |
| Loan loss allowance to noncurrent loans | 642.6667% | 687 |
| Noncurrent assets plus other real estate owned to assets | 0.2919% | 5,597 |
| Noncurrent loans to loans | 0.1860% | 5,850 |
| Net loans and leases to total assets | 51.4490% | 4,938 |
| Net loans and leases to deposits | 63.4238% | 4,569 |
| Net loans and leases to core deposits | 63.6965% | 4,928 |
| Total domestic deposits to total assets | 81.1194% | 5,309 |
| Equity capital to assets | 13.4385% | 1,167 |
| Core capital (leverage) ratio | 13.2004% | 1,097 |
| Tier 1 risk-based capital ratio | 23.3037% | 1,089 |
| Total risk-based capital ratio | 24.3982% | 1,095 |
| Memoranda: | ||
| Average total assets | $77,595,000 | 5,377 |
| Average earning assets | $70,447,330 | 5,379 |
| Average equity | $10,387,000 | 4,856 |
| Average total loans | $40,747,000 | 5,392 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4522% | 5,827 |
| Cost of funding earning assets | 0.4667% | 4,410 |
| Net interest margin | 2.9856% | 5,611 |
| Noninterest income to average assets | 0.9733% | 1,544 |
| Noninterest expense to average assets | 2.6521% | 4,235 |
| Loan and lease loss provision to assets | 0.1287% | 2,632 |
| Net operating income to assets | 0.6025% | 4,200 |
| Return on assets (ROA) | 0.6025% | 4,357 |
| Pretax return on assets | 0.9269% | 3,665 |
| Return on Equity (ROE) | 4.5098% | 4,840 |
| Retained earnings to average equity (ytd only) | -1.2720% | 5,989 |
| Net charge-offs to loans | 0.8691% | 697 |
| Credit loss provision to net charge-offs | 28.0899% | 2,914 |
| Earnings coverage of net charge-offs (x) | 2.3034% | 3,075 |
| Efficiency ratio | 71.5278% | 3,702 |
| Assets per employee ($millions) | 4.6845% | 2,678 |
| Cash dividends to net income (ytd only)* | 128.2051% | 455 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1942% | 5,209 |
| Loan loss allowance to noncurrent loans | 245.4082% | 1,591 |
| Noncurrent assets plus other real estate owned to assets | 0.2963% | 5,681 |
| Noncurrent loans to loans | 0.4866% | 5,212 |
| Net loans and leases to total assets | 49.9717% | 4,998 |
| Net loans and leases to deposits | 61.4563% | 4,623 |
| Net loans and leases to core deposits | 61.4563% | 5,005 |
| Total domestic deposits to total assets | 81.3127% | 5,414 |
| Equity capital to assets | 12.9889% | 1,429 |
| Core capital (leverage) ratio | 12.8616% | 1,169 |
| Tier 1 risk-based capital ratio | 22.7032% | 1,204 |
| Total risk-based capital ratio | 23.7900% | 1,216 |
| Memoranda: | ||
| Average total assets | $77,675,500 | 5,423 |
| Average earning assets | $71,142,500 | 5,409 |
| Average equity | $10,377,500 | 4,911 |
| Average total loans | $40,960,000 | 5,420 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9770% | 5,382 |
| Cost of funding earning assets | 0.5794% | 4,541 |
| Net interest margin | 3.3975% | 4,892 |
| Noninterest income to average assets | 0.7595% | 2,451 |
| Noninterest expense to average assets | 2.7393% | 4,254 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.9163% | 2,738 |
| Return on assets (ROA) | 0.9163% | 2,979 |
| Pretax return on assets | 1.1222% | 3,075 |
| Return on Equity (ROE) | 6.6393% | 3,844 |
| Retained earnings to average equity (ytd only) | 5.1573% | 2,600 |
| Net charge-offs to loans | 0.0969% | 4,690 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 21.1026% | 1,315 |
| Efficiency ratio | 70.9393% | 3,633 |
| Assets per employee ($millions) | 4.7321% | 2,597 |
| Cash dividends to net income (ytd only)* | 22.3214% | 3,660 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3087% | 4,592 |
| Loan loss allowance to noncurrent loans | 416.0305% | 960 |
| Noncurrent assets plus other real estate owned to assets | 0.2258% | 5,993 |
| Noncurrent loans to loans | 0.3146% | 5,698 |
| Net loans and leases to total assets | 54.2806% | 4,584 |
| Net loans and leases to deposits | 67.6288% | 4,038 |
| Net loans and leases to core deposits | 67.6288% | 4,580 |
| Total domestic deposits to total assets | 80.2626% | 5,597 |
| Equity capital to assets | 13.7504% | 1,131 |
| Core capital (leverage) ratio | 13.3206% | 1,009 |
| Tier 1 risk-based capital ratio | 22.5991% | 1,171 |
| Total risk-based capital ratio | 23.8208% | 1,151 |
| Memoranda: | ||
| Average total assets | $73,341,200 | 5,538 |
| Average earning assets | $66,960,600 | 5,518 |
| Average equity | $10,121,600 | 4,957 |
| Average total loans | $40,234,800 | 5,490 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9710% | 5,599 |
| Cost of funding earning assets | 0.5970% | 4,685 |
| Net interest margin | 3.3740% | 5,123 |
| Noninterest income to average assets | 0.7661% | 2,404 |
| Noninterest expense to average assets | 2.5109% | 5,044 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.1675% | 1,841 |
| Return on assets (ROA) | 1.1675% | 2,035 |
| Pretax return on assets | 1.3416% | 2,444 |
| Return on Equity (ROE) | 8.4515% | 3,064 |
| Retained earnings to average equity (ytd only) | 6.4614% | 2,398 |
| Net charge-offs to loans | 0.0301% | 5,231 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 81.3317% | 508 |
| Efficiency ratio | 65.1760% | 4,594 |
| Assets per employee ($millions) | 4.6003% | 2,747 |
| Cash dividends to net income (ytd only)* | 23.5485% | 2,922 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4235% | 4,268 |
| Loan loss allowance to noncurrent loans | 452.7559% | 843 |
| Noncurrent assets plus other real estate owned to assets | 0.2269% | 6,139 |
| Noncurrent loans to loans | 0.3144% | 5,852 |
| Net loans and leases to total assets | 54.0990% | 4,735 |
| Net loans and leases to deposits | 68.2264% | 4,147 |
| Net loans and leases to core deposits | 68.2264% | 4,708 |
| Total domestic deposits to total assets | 79.2932% | 5,805 |
| Equity capital to assets | 14.0699% | 1,133 |
| Core capital (leverage) ratio | 13.7160% | 938 |
| Tier 1 risk-based capital ratio | 23.3802% | 1,114 |
| Total risk-based capital ratio | 24.6323% | 1,094 |
| Memoranda: | ||
| Average total assets | $72,748,000 | 5,614 |
| Average earning assets | $66,547,250 | 5,595 |
| Average equity | $10,049,250 | 5,016 |
| Average total loans | $39,882,750 | 5,578 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0003% | 5,632 |
| Cost of funding earning assets | 0.6249% | 4,676 |
| Net interest margin | 3.3753% | 5,188 |
| Noninterest income to average assets | 0.5354% | 3,681 |
| Noninterest expense to average assets | 2.4150% | 5,399 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.0875% | 2,086 |
| Return on assets (ROA) | 1.0875% | 2,311 |
| Pretax return on assets | 1.2061% | 2,896 |
| Return on Equity (ROE) | 7.9220% | 3,293 |
| Retained earnings to average equity (ytd only) | 4.9060% | 3,330 |
| Net charge-offs to loans | 0.0655% | 4,516 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 33.6154% | 996 |
| Efficiency ratio | 66.6921% | 4,383 |
| Assets per employee ($millions) | 4.5826% | 2,752 |
| Cash dividends to net income (ytd only)* | 38.0711% | 2,253 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4428% | 4,274 |
| Loan loss allowance to noncurrent loans | 416.7883% | 873 |
| Noncurrent assets plus other real estate owned to assets | 0.2414% | 6,167 |
| Noncurrent loans to loans | 0.3462% | 5,855 |
| Net loans and leases to total assets | 53.1962% | 4,933 |
| Net loans and leases to deposits | 66.7648% | 4,401 |
| Net loans and leases to core deposits | 66.7648% | 4,919 |
| Total domestic deposits to total assets | 79.6770% | 5,821 |
| Equity capital to assets | 13.7860% | 1,182 |
| Core capital (leverage) ratio | 13.3859% | 1,020 |
| Tier 1 risk-based capital ratio | 22.8322% | 1,155 |
| Total risk-based capital ratio | 24.0829% | 1,139 |
| Memoranda: | ||
| Average total assets | $72,462,670 | 5,654 |
| Average earning assets | $66,245,330 | 5,637 |
| Average equity | $9,947,000 | 5,045 |
| Average total loans | $39,712,330 | 5,615 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0679% | 5,553 |
| Cost of funding earning assets | 0.6455% | 4,769 |
| Net interest margin | 3.4224% | 5,018 |
| Noninterest income to average assets | 0.3221% | 5,296 |
| Noninterest expense to average assets | 2.7543% | 4,218 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.7330% | 3,722 |
| Return on assets (ROA) | 0.7330% | 3,956 |
| Pretax return on assets | 0.6886% | 4,828 |
| Return on Equity (ROE) | 5.3514% | 4,608 |
| Retained earnings to average equity (ytd only) | -0.7297% | 6,118 |
| Net charge-offs to loans | -0.0302% | 6,341 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.0000% | 2,204 |
| Assets per employee ($millions) | 4.6676% | 2,710 |
| Cash dividends to net income (ytd only)* | 113.6364% | 449 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5057% | 4,124 |
| Loan loss allowance to noncurrent loans | 294.9749% | 1,124 |
| Noncurrent assets plus other real estate owned to assets | 0.3200% | 6,090 |
| Noncurrent loans to loans | 0.5105% | 5,649 |
| Net loans and leases to total assets | 51.4147% | 5,089 |
| Net loans and leases to deposits | 63.6798% | 4,677 |
| Net loans and leases to core deposits | 63.6798% | 5,155 |
| Total domestic deposits to total assets | 80.7394% | 5,666 |
| Equity capital to assets | 13.1854% | 1,366 |
| Core capital (leverage) ratio | 12.8656% | 1,180 |
| Tier 1 risk-based capital ratio | 22.5247% | 1,202 |
| Total risk-based capital ratio | 23.7759% | 1,181 |
| Memoranda: | ||
| Average total assets | $72,033,500 | 5,711 |
| Average earning assets | $65,685,500 | 5,696 |
| Average equity | $9,866,500 | 5,077 |
| Average total loans | $39,781,000 | 5,650 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4461% | 5,260 |
| Cost of funding earning assets | 0.8201% | 4,706 |
| Net interest margin | 3.6260% | 4,627 |
| Noninterest income to average assets | 1.0671% | 1,175 |
| Noninterest expense to average assets | 2.8292% | 4,240 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 1.1161% | 1,771 |
| Return on assets (ROA) | 1.1161% | 1,894 |
| Pretax return on assets | 1.5530% | 1,333 |
| Return on Equity (ROE) | 8.1325% | 2,843 |
| Retained earnings to average equity (ytd only) | 6.5564% | 1,713 |
| Net charge-offs to loans | 0.0771% | 5,551 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 35.9000% | 731 |
| Efficiency ratio | 64.5607% | 5,025 |
| Assets per employee ($millions) | 4.3366% | 3,187 |
| Cash dividends to net income (ytd only)* | 19.3798% | 3,558 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4392% | 4,290 |
| Loan loss allowance to noncurrent loans | 426.2774% | 798 |
| Noncurrent assets plus other real estate owned to assets | 0.2551% | 6,331 |
| Noncurrent loans to loans | 0.3376% | 6,054 |
| Net loans and leases to total assets | 57.6399% | 4,439 |
| Net loans and leases to deposits | 72.8223% | 3,691 |
| Net loans and leases to core deposits | 72.8223% | 4,401 |
| Total domestic deposits to total assets | 79.1514% | 5,957 |
| Equity capital to assets | 14.2478% | 988 |
| Core capital (leverage) ratio | 13.4284% | 993 |
| Tier 1 risk-based capital ratio | 22.1232% | 1,224 |
| Total risk-based capital ratio | 23.3730% | 1,193 |
| Memoranda: | ||
| Average total assets | $69,348,400 | 5,760 |
| Average earning assets | $63,403,400 | 5,756 |
| Average equity | $9,517,400 | 5,147 |
| Average total loans | $38,916,800 | 5,744 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4109% | 5,574 |
| Cost of funding earning assets | 0.8384% | 4,870 |
| Net interest margin | 3.5725% | 4,883 |
| Noninterest income to average assets | 1.1249% | 1,042 |
| Noninterest expense to average assets | 2.7093% | 4,690 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.2479% | 1,524 |
| Return on assets (ROA) | 1.2479% | 1,625 |
| Pretax return on assets | 1.6767% | 1,191 |
| Return on Equity (ROE) | 9.1808% | 2,516 |
| Retained earnings to average equity (ytd only) | 7.0589% | 1,938 |
| Net charge-offs to loans | 0.3325% | 3,426 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 9.0831% | 2,096 |
| Efficiency ratio | 61.7712% | 5,448 |
| Assets per employee ($millions) | 4.3646% | 3,148 |
| Cash dividends to net income (ytd only)* | 23.1131% | 2,796 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3074% | 4,978 |
| Loan loss allowance to noncurrent loans | 367.3759% | 873 |
| Noncurrent assets plus other real estate owned to assets | 0.3594% | 6,181 |
| Noncurrent loans to loans | 0.3559% | 6,140 |
| Net loans and leases to total assets | 55.9942% | 4,847 |
| Net loans and leases to deposits | 70.2218% | 4,262 |
| Net loans and leases to core deposits | 70.2218% | 4,927 |
| Total domestic deposits to total assets | 79.7391% | 5,817 |
| Equity capital to assets | 14.0147% | 1,151 |
| Core capital (leverage) ratio | 13.2292% | 1,137 |
| Tier 1 risk-based capital ratio | 22.2453% | 1,245 |
| Total risk-based capital ratio | 23.4667% | 1,229 |
| Memoranda: | ||
| Average total assets | $69,339,000 | 5,800 |
| Average earning assets | $63,296,000 | 5,795 |
| Average equity | $9,425,250 | 5,197 |
| Average total loans | $38,501,500 | 5,815 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3643% | 5,808 |
| Cost of funding earning assets | 0.8595% | 4,984 |
| Net interest margin | 3.5047% | 5,144 |
| Noninterest income to average assets | 0.9772% | 1,385 |
| Noninterest expense to average assets | 2.6455% | 5,020 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.0987% | 1,875 |
| Return on assets (ROA) | 1.0987% | 1,963 |
| Pretax return on assets | 1.5266% | 1,450 |
| Return on Equity (ROE) | 8.1679% | 2,871 |
| Retained earnings to average equity (ytd only) | 4.9438% | 3,038 |
| Net charge-offs to loans | 0.4354% | 2,835 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 6.3614% | 2,407 |
| Efficiency ratio | 63.4096% | 5,344 |
| Assets per employee ($millions) | 4.3629% | 3,054 |
| Cash dividends to net income (ytd only)* | 39.4737% | 2,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3806% | 4,671 |
| Loan loss allowance to noncurrent loans | 390.4412% | 824 |
| Noncurrent assets plus other real estate owned to assets | 0.3897% | 6,158 |
| Noncurrent loans to loans | 0.3536% | 6,213 |
| Net loans and leases to total assets | 54.3363% | 5,246 |
| Net loans and leases to deposits | 67.0331% | 4,850 |
| Net loans and leases to core deposits | 67.0331% | 5,386 |
| Total domestic deposits to total assets | 81.0589% | 5,507 |
| Equity capital to assets | 13.6120% | 1,239 |
| Core capital (leverage) ratio | 12.8358% | 1,227 |
| Tier 1 risk-based capital ratio | 22.1762% | 1,230 |
| Total risk-based capital ratio | 23.4248% | 1,196 |
| Memoranda: | ||
| Average total assets | $69,174,000 | 5,847 |
| Average earning assets | $63,057,330 | 5,854 |
| Average equity | $9,304,670 | 5,235 |
| Average total loans | $38,128,330 | 5,886 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3182% | 5,961 |
| Cost of funding earning assets | 0.8688% | 5,146 |
| Net interest margin | 3.4495% | 5,227 |
| Noninterest income to average assets | 0.9062% | 1,643 |
| Noninterest expense to average assets | 2.8813% | 4,145 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.7319% | 3,366 |
| Return on assets (ROA) | 0.7319% | 3,433 |
| Pretax return on assets | 1.1618% | 2,507 |
| Return on Equity (ROE) | 5.4747% | 4,168 |
| Retained earnings to average equity (ytd only) | -1.0428% | 5,995 |
| Net charge-offs to loans | -0.1370% | 7,174 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2644% | 3,996 |
| Assets per employee ($millions) | 4.4986% | 2,891 |
| Cash dividends to net income (ytd only)* | 119.0476% | 470 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7193% | 3,278 |
| Loan loss allowance to noncurrent loans | 270.2586% | 1,122 |
| Noncurrent assets plus other real estate owned to assets | 0.5113% | 5,955 |
| Noncurrent loans to loans | 0.6362% | 5,764 |
| Net loans and leases to total assets | 49.7958% | 5,878 |
| Net loans and leases to deposits | 60.6895% | 5,654 |
| Net loans and leases to core deposits | 60.6895% | 6,049 |
| Total domestic deposits to total assets | 82.0501% | 5,293 |
| Equity capital to assets | 12.7706% | 1,485 |
| Core capital (leverage) ratio | 12.5787% | 1,291 |
| Tier 1 risk-based capital ratio | 22.0919% | 1,212 |
| Total risk-based capital ratio | 23.3489% | 1,186 |
| Memoranda: | ||
| Average total assets | $68,858,000 | 5,905 |
| Average earning assets | $62,618,500 | 5,910 |
| Average equity | $9,206,000 | 5,262 |
| Average total loans | $37,962,000 | 5,943 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7717% | 5,519 |
| Cost of funding earning assets | 0.9750% | 5,816 |
| Net interest margin | 3.7967% | 3,962 |
| Noninterest income to average assets | 1.2664% | 921 |
| Noninterest expense to average assets | 3.1090% | 3,418 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 1.1584% | 1,518 |
| Return on assets (ROA) | 1.1584% | 1,602 |
| Pretax return on assets | 1.6077% | 1,109 |
| Return on Equity (ROE) | 8.2556% | 2,601 |
| Retained earnings to average equity (ytd only) | 6.5822% | 1,518 |
| Net charge-offs to loans | 0.1196% | 5,689 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | 23.3409% | 904 |
| Efficiency ratio | 65.9144% | 4,983 |
| Assets per employee ($millions) | 4.3825% | 3,065 |
| Cash dividends to net income (ytd only)* | 20.2703% | 3,438 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5562% | 3,750 |
| Loan loss allowance to noncurrent loans | 264.6552% | 1,174 |
| Noncurrent assets plus other real estate owned to assets | 0.5598% | 5,907 |
| Noncurrent loans to loans | 0.5880% | 5,870 |
| Net loans and leases to total assets | 59.0845% | 4,824 |
| Net loans and leases to deposits | 72.8109% | 4,376 |
| Net loans and leases to core deposits | 72.8109% | 5,121 |
| Total domestic deposits to total assets | 81.1479% | 5,477 |
| Equity capital to assets | 14.0254% | 1,031 |
| Core capital (leverage) ratio | 13.3068% | 1,026 |
| Tier 1 risk-based capital ratio | 21.5109% | 1,243 |
| Total risk-based capital ratio | 22.7628% | 1,221 |
| Memoranda: | ||
| Average total assets | $63,879,800 | 6,065 |
| Average earning assets | $58,050,000 | 6,062 |
| Average equity | $8,963,600 | 5,439 |
| Average total loans | $36,795,000 | 6,075 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7611% | 5,817 |
| Cost of funding earning assets | 0.9850% | 6,010 |
| Net interest margin | 3.7761% | 4,072 |
| Noninterest income to average assets | 1.2236% | 925 |
| Noninterest expense to average assets | 2.9351% | 3,964 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.3940% | 1,116 |
| Return on assets (ROA) | 1.3940% | 1,193 |
| Pretax return on assets | 1.7304% | 1,054 |
| Return on Equity (ROE) | 9.9329% | 2,148 |
| Retained earnings to average equity (ytd only) | 7.6856% | 1,522 |
| Net charge-offs to loans | 0.0369% | 6,193 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 82.3188% | 371 |
| Efficiency ratio | 62.9112% | 5,448 |
| Assets per employee ($millions) | 4.3820% | 3,104 |
| Cash dividends to net income (ytd only)* | 22.6249% | 2,850 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7519% | 2,976 |
| Loan loss allowance to noncurrent loans | 210.3896% | 1,387 |
| Noncurrent assets plus other real estate owned to assets | 0.6359% | 5,855 |
| Noncurrent loans to loans | 0.8327% | 5,556 |
| Net loans and leases to total assets | 55.2868% | 5,658 |
| Net loans and leases to deposits | 67.9049% | 5,435 |
| Net loans and leases to core deposits | 67.9049% | 5,955 |
| Total domestic deposits to total assets | 81.4179% | 5,234 |
| Equity capital to assets | 14.0453% | 1,156 |
| Core capital (leverage) ratio | 13.5968% | 1,031 |
| Tier 1 risk-based capital ratio | 22.5111% | 1,130 |
| Total risk-based capital ratio | 23.7663% | 1,103 |
| Memoranda: | ||
| Average total assets | $63,415,250 | 6,147 |
| Average earning assets | $57,800,000 | 6,135 |
| Average equity | $8,899,500 | 5,525 |
| Average total loans | $36,130,000 | 6,196 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7787% | 5,866 |
| Cost of funding earning assets | 0.9789% | 6,242 |
| Net interest margin | 3.7998% | 3,890 |
| Noninterest income to average assets | 1.2451% | 839 |
| Noninterest expense to average assets | 2.8734% | 4,169 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.4878% | 931 |
| Return on assets (ROA) | 1.4878% | 992 |
| Pretax return on assets | 1.8294% | 840 |
| Return on Equity (ROE) | 10.6046% | 1,890 |
| Retained earnings to average equity (ytd only) | 7.1911% | 1,757 |
| Net charge-offs to loans | 0.0391% | 5,818 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 81.8571% | 392 |
| Efficiency ratio | 61.0998% | 5,833 |
| Assets per employee ($millions) | 4.1828% | 3,421 |
| Cash dividends to net income (ytd only)* | 32.1888% | 2,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8160% | 2,673 |
| Loan loss allowance to noncurrent loans | 207.9872% | 1,358 |
| Noncurrent assets plus other real estate owned to assets | 0.6742% | 5,799 |
| Noncurrent loans to loans | 0.8731% | 5,522 |
| Net loans and leases to total assets | 56.0996% | 5,687 |
| Net loans and leases to deposits | 68.4586% | 5,496 |
| Net loans and leases to core deposits | 68.4586% | 6,023 |
| Total domestic deposits to total assets | 81.9467% | 5,009 |
| Equity capital to assets | 14.3285% | 1,057 |
| Core capital (leverage) ratio | 13.8209% | 969 |
| Tier 1 risk-based capital ratio | 23.0358% | 1,072 |
| Total risk-based capital ratio | 24.2885% | 1,046 |
| Memoranda: | ||
| Average total assets | $62,643,670 | 6,208 |
| Average earning assets | $57,002,670 | 6,199 |
| Average equity | $8,788,670 | 5,563 |
| Average total loans | $35,844,000 | 6,252 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7737% | 5,989 |
| Cost of funding earning assets | 0.9972% | 6,392 |
| Net interest margin | 3.7766% | 3,888 |
| Noninterest income to average assets | 1.0864% | 1,075 |
| Noninterest expense to average assets | 2.9459% | 3,876 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.2142% | 1,500 |
| Return on assets (ROA) | 1.2142% | 1,574 |
| Pretax return on assets | 1.5529% | 1,386 |
| Return on Equity (ROE) | 8.7477% | 2,578 |
| Retained earnings to average equity (ytd only) | 1.8416% | 5,009 |
| Net charge-offs to loans | -0.0558% | 7,375 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4830% | 5,223 |
| Assets per employee ($millions) | 4.2471% | 3,381 |
| Cash dividends to net income (ytd only)* | 78.9474% | 867 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9126% | 2,403 |
| Loan loss allowance to noncurrent loans | 213.8710% | 1,335 |
| Noncurrent assets plus other real estate owned to assets | 0.6593% | 5,868 |
| Noncurrent loans to loans | 0.8943% | 5,531 |
| Net loans and leases to total assets | 53.3717% | 6,109 |
| Net loans and leases to deposits | 63.3520% | 6,129 |
| Net loans and leases to core deposits | 63.3520% | 6,505 |
| Total domestic deposits to total assets | 84.2464% | 4,020 |
| Equity capital to assets | 13.6502% | 1,268 |
| Core capital (leverage) ratio | 13.5251% | 1,079 |
| Tier 1 risk-based capital ratio | 22.7193% | 1,114 |
| Total risk-based capital ratio | 23.9738% | 1,090 |
| Memoranda: | ||
| Average total assets | $62,594,500 | 6,282 |
| Average earning assets | $56,559,500 | 6,297 |
| Average equity | $8,688,000 | 5,636 |
| Average total loans | $35,841,500 | 6,324 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4300% | 4,536 |
| Cost of funding earning assets | 1.3694% | 6,058 |
| Net interest margin | 4.0606% | 2,603 |
| Noninterest income to average assets | 1.5258% | 615 |
| Noninterest expense to average assets | 3.3912% | 2,705 |
| Loan and lease loss provision to assets | 0.5143% | 3,803 |
| Net operating income to assets | 0.9464% | 2,016 |
| Return on assets (ROA) | 0.9464% | 2,071 |
| Pretax return on assets | 1.2858% | 1,734 |
| Return on Equity (ROE) | 6.4543% | 3,013 |
| Retained earnings to average equity (ytd only) | 4.7004% | 1,973 |
| Net charge-offs to loans | 0.6163% | 3,364 |
| Credit loss provision to net charge-offs | 132.7434% | 3,770 |
| Earnings coverage of net charge-offs (x) | 4.6460% | 2,869 |
| Efficiency ratio | 64.7292% | 5,639 |
| Assets per employee ($millions) | 4.0989% | 3,620 |
| Cash dividends to net income (ytd only)* | 27.1739% | 3,446 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7775% | 2,619 |
| Loan loss allowance to noncurrent loans | 125.0951% | 2,258 |
| Noncurrent assets plus other real estate owned to assets | 1.0344% | 5,036 |
| Noncurrent loans to loans | 1.4209% | 4,552 |
| Net loans and leases to total assets | 59.1399% | 5,472 |
| Net loans and leases to deposits | 70.5518% | 5,530 |
| Net loans and leases to core deposits | 77.3605% | 6,310 |
| Total domestic deposits to total assets | 83.8248% | 4,115 |
| Equity capital to assets | 14.1177% | 1,132 |
| Core capital (leverage) ratio | 13.6025% | 1,066 |
| Tier 1 risk-based capital ratio | 21.8633% | 1,169 |
| Total risk-based capital ratio | 23.1182% | 1,144 |
| Memoranda: | ||
| Average total assets | $58,328,200 | 6,420 |
| Average earning assets | $52,652,200 | 6,428 |
| Average equity | $8,552,400 | 5,750 |
| Average total loans | $36,670,600 | 6,268 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4741% | 4,551 |
| Cost of funding earning assets | 1.4630% | 5,986 |
| Net interest margin | 4.0111% | 2,762 |
| Noninterest income to average assets | 1.5247% | 637 |
| Noninterest expense to average assets | 3.1722% | 3,393 |
| Loan and lease loss provision to assets | 0.6952% | 2,649 |
| Net operating income to assets | 1.0149% | 2,001 |
| Return on assets (ROA) | 1.0149% | 2,072 |
| Pretax return on assets | 1.2722% | 2,036 |
| Return on Equity (ROE) | 6.8539% | 3,138 |
| Retained earnings to average equity (ytd only) | 6.8539% | 1,568 |
| Net charge-offs to loans | 0.3718% | 3,792 |
| Credit loss provision to net charge-offs | 294.1176% | 1,410 |
| Earnings coverage of net charge-offs (x) | 8.3233% | 2,268 |
| Efficiency ratio | 61.1362% | 6,249 |
| Assets per employee ($millions) | 3.9351% | 3,860 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1144% | 1,572 |
| Loan loss allowance to noncurrent loans | 139.1459% | 2,036 |
| Noncurrent assets plus other real estate owned to assets | 0.9521% | 5,155 |
| Noncurrent loans to loans | 1.5196% | 4,374 |
| Net loans and leases to total assets | 61.3313% | 5,354 |
| Net loans and leases to deposits | 74.3536% | 5,318 |
| Net loans and leases to core deposits | 81.5030% | 6,233 |
| Total domestic deposits to total assets | 82.4860% | 4,461 |
| Equity capital to assets | 14.8356% | 1,054 |
| Core capital (leverage) ratio | 14.1036% | 1,066 |
| Tier 1 risk-based capital ratio | 22.2947% | 1,188 |
| Total risk-based capital ratio | 23.5562% | 1,171 |
| Memoranda: | ||
| Average total assets | $57,539,500 | 6,486 |
| Average earning assets | $51,855,000 | 6,506 |
| Average equity | $8,520,500 | 5,817 |
| Average total loans | $36,583,500 | 6,311 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5409% | 4,380 |
| Cost of funding earning assets | 1.5870% | 5,783 |
| Net interest margin | 3.9538% | 2,877 |
| Noninterest income to average assets | 1.3709% | 812 |
| Noninterest expense to average assets | 3.0363% | 3,940 |
| Loan and lease loss provision to assets | 0.6136% | 2,599 |
| Net operating income to assets | 0.9992% | 2,106 |
| Return on assets (ROA) | 0.9992% | 2,202 |
| Pretax return on assets | 1.2587% | 2,133 |
| Return on Equity (ROE) | 6.7522% | 3,305 |
| Retained earnings to average equity (ytd only) | 6.7522% | 1,681 |
| Net charge-offs to loans | 0.3621% | 3,372 |
| Credit loss provision to net charge-offs | 265.1515% | 1,758 |
| Earnings coverage of net charge-offs (x) | 8.0909% | 2,319 |
| Efficiency ratio | 61.2143% | 6,365 |
| Assets per employee ($millions) | 3.8565% | 3,969 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9184% | 1,747 |
| Loan loss allowance to noncurrent loans | 157.1429% | 1,880 |
| Noncurrent assets plus other real estate owned to assets | 0.7623% | 5,495 |
| Noncurrent loans to loans | 1.2208% | 4,766 |
| Net loans and leases to total assets | 61.2484% | 5,478 |
| Net loans and leases to deposits | 74.0367% | 5,445 |
| Net loans and leases to core deposits | 80.3424% | 6,377 |
| Total domestic deposits to total assets | 82.7271% | 4,371 |
| Equity capital to assets | 14.7715% | 1,090 |
| Core capital (leverage) ratio | 13.6601% | 1,224 |
| Tier 1 risk-based capital ratio | 22.5636% | 1,180 |
| Total risk-based capital ratio | 23.8209% | 1,148 |
| Memoranda: | ||
| Average total assets | $57,043,670 | 6,553 |
| Average earning assets | $51,039,000 | 6,594 |
| Average equity | $8,441,670 | 5,871 |
| Average total loans | $36,450,000 | 6,377 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6400% | 4,105 |
| Cost of funding earning assets | 1.6387% | 5,867 |
| Net interest margin | 4.0013% | 2,638 |
| Noninterest income to average assets | 1.1229% | 1,176 |
| Noninterest expense to average assets | 2.7047% | 4,985 |
| Loan and lease loss provision to assets | 0.3531% | 3,197 |
| Net operating income to assets | 1.3488% | 1,263 |
| Return on assets (ROA) | 1.3488% | 1,356 |
| Pretax return on assets | 1.6172% | 1,365 |
| Return on Equity (ROE) | 9.1061% | 2,666 |
| Retained earnings to average equity (ytd only) | 9.1061% | 1,444 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.2508% | 6,795 |
| Assets per employee ($millions) | 3.7651% | 4,188 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7842% | 1,890 |
| Loan loss allowance to noncurrent loans | 125.7937% | 2,501 |
| Noncurrent assets plus other real estate owned to assets | 0.8924% | 4,960 |
| Noncurrent loans to loans | 1.4183% | 4,184 |
| Net loans and leases to total assets | 61.7968% | 5,376 |
| Net loans and leases to deposits | 73.1769% | 5,590 |
| Net loans and leases to core deposits | 79.6645% | 6,407 |
| Total domestic deposits to total assets | 84.4485% | 3,486 |
| Equity capital to assets | 14.9973% | 1,104 |
| Core capital (leverage) ratio | 14.4602% | 1,094 |
| Tier 1 risk-based capital ratio | 22.7002% | 1,223 |
| Total risk-based capital ratio | 23.9553% | 1,195 |
| Memoranda: | ||
| Average total assets | $56,641,500 | 6,598 |
| Average earning assets | $50,283,500 | 6,649 |
| Average equity | $8,390,000 | 5,922 |
| Average total loans | $36,613,000 | 6,407 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0533% | 5,281 |
| Cost of funding earning assets | 2.2532% | 5,355 |
| Net interest margin | 3.8000% | 4,018 |
| Noninterest income to average assets | 1.6488% | 507 |
| Noninterest expense to average assets | 3.3463% | 2,827 |
| Loan and lease loss provision to assets | 1.0446% | 1,402 |
| Net operating income to assets | 0.5780% | 4,402 |
| Return on assets (ROA) | 0.5780% | 4,267 |
| Pretax return on assets | 0.7138% | 4,353 |
| Return on Equity (ROE) | 4.0826% | 4,787 |
| Retained earnings to average equity (ytd only) | 2.2381% | 3,822 |
| Net charge-offs to loans | 1.2738% | 937 |
| Credit loss provision to net charge-offs | 125.5230% | 4,254 |
| Earnings coverage of net charge-offs (x) | 2.1130% | 5,014 |
| Efficiency ratio | 64.9386% | 5,343 |
| Assets per employee ($millions) | 3.7871% | 3,990 |
| Cash dividends to net income (ytd only)* | 45.1807% | 3,392 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5494% | 2,449 |
| Loan loss allowance to noncurrent loans | 142.4390% | 2,576 |
| Noncurrent assets plus other real estate owned to assets | 0.7218% | 5,063 |
| Noncurrent loans to loans | 1.0878% | 4,387 |
| Net loans and leases to total assets | 65.3223% | 4,986 |
| Net loans and leases to deposits | 76.9472% | 5,480 |
| Net loans and leases to core deposits | 84.1562% | 6,279 |
| Total domestic deposits to total assets | 84.8924% | 2,890 |
| Equity capital to assets | 14.6287% | 1,267 |
| Core capital (leverage) ratio | 13.8539% | 1,294 |
| Tier 1 risk-based capital ratio | 20.8954% | 1,466 |
| Total risk-based capital ratio | 22.1478% | 1,440 |
| Memoranda: | ||
| Average total assets | $57,436,000 | 6,473 |
| Average earning assets | $52,236,200 | 6,496 |
| Average equity | $8,132,000 | 6,030 |
| Average total loans | $37,525,600 | 6,288 |