Home > DNB NATIONAL BANK > Performance and Condition Ratios
DNB NATIONAL 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 | 3.9771% | 4,281 |
| Cost of funding earning assets | 1.2931% | 3,609 |
| Net interest margin | 2.6841% | 3,858 |
| Noninterest income to average assets | 1.7600% | 301 |
| Noninterest expense to average assets | 2.6582% | 1,876 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | 1.5206% | 1,056 |
| Return on assets (ROA) | 1.5206% | 1,053 |
| Pretax return on assets | 1.6008% | 1,302 |
| Return on Equity (ROE) | 26.4600% | 165 |
| Retained earnings to average equity (ytd only) | -1.5860% | 3,880 |
| Net charge-offs to loans | -0.1126% | 4,398 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 62.4144% | 2,665 |
| Assets per employee ($millions) | 7.8329% | 1,681 |
| Cash dividends to net income (ytd only)* | 105.9952% | 445 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6791% | 680 |
| Loan loss allowance to noncurrent loans | 1,481.2500% | 526 |
| Noncurrent assets plus other real estate owned to assets | 0.0292% | 3,508 |
| Noncurrent loans to loans | 0.1134% | 3,097 |
| Net loans and leases to total assets | 25.3100% | 4,250 |
| Net loans and leases to deposits | 27.3626% | 4,285 |
| Net loans and leases to core deposits | 30.7545% | 4,259 |
| Total domestic deposits to total assets | 92.5000% | 195 |
| Equity capital to assets | 5.8645% | 4,270 |
| Core capital (leverage) ratio | 9.3531% | 3,436 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.5256% | 432 |
| Memoranda: | ||
| Average total assets | $109,697,000 | 3,703 |
| Average earning assets | $102,083,500 | 3,686 |
| Average equity | $6,305,000 | 4,137 |
| Average total loans | $28,423,000 | 4,114 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8143% | 4,348 |
| Cost of funding earning assets | 1.4922% | 3,355 |
| Net interest margin | 2.3221% | 4,062 |
| Noninterest income to average assets | 1.5100% | 349 |
| Noninterest expense to average assets | 2.5161% | 2,258 |
| Loan and lease loss provision to assets | 0.0100% | 2,986 |
| Net operating income to assets | 1.0924% | 1,766 |
| Return on assets (ROA) | 1.0924% | 1,768 |
| Pretax return on assets | 1.1476% | 2,114 |
| Return on Equity (ROE) | 21.4400% | 321 |
| Retained earnings to average equity (ytd only) | 7.9302% | 1,140 |
| Net charge-offs to loans | 0.0272% | 2,030 |
| Credit loss provision to net charge-offs | 187.5000% | 1,194 |
| Earnings coverage of net charge-offs (x) | 157.7500% | 598 |
| Efficiency ratio | 68.4184% | 2,196 |
| Assets per employee ($millions) | 7.3156% | 1,954 |
| Cash dividends to net income (ytd only)* | 63.0160% | 1,069 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6284% | 753 |
| Loan loss allowance to noncurrent loans | 1,456.2500% | 540 |
| Noncurrent assets plus other real estate owned to assets | 0.0292% | 3,481 |
| Noncurrent loans to loans | 0.1118% | 3,074 |
| Net loans and leases to total assets | 25.6500% | 4,271 |
| Net loans and leases to deposits | 28.3007% | 4,296 |
| Net loans and leases to core deposits | 30.3476% | 4,278 |
| Total domestic deposits to total assets | 90.6500% | 617 |
| Equity capital to assets | 5.6309% | 4,263 |
| Core capital (leverage) ratio | 9.4465% | 3,286 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.4632% | 438 |
| Memoranda: | ||
| Average total assets | $108,660,400 | 3,707 |
| Average earning assets | $101,329,000 | 3,684 |
| Average equity | $5,535,800 | 4,203 |
| Average total loans | $29,456,200 | 4,105 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7932% | 4,373 |
| Cost of funding earning assets | 1.5362% | 3,290 |
| Net interest margin | 2.2569% | 4,116 |
| Noninterest income to average assets | 1.5300% | 342 |
| Noninterest expense to average assets | 2.3827% | 2,575 |
| Loan and lease loss provision to assets | 0.0200% | 2,606 |
| Net operating income to assets | 1.1772% | 1,566 |
| Return on assets (ROA) | 1.1772% | 1,571 |
| Pretax return on assets | 1.2362% | 1,912 |
| Return on Equity (ROE) | 23.7400% | 236 |
| Retained earnings to average equity (ytd only) | 7.1688% | 1,682 |
| Net charge-offs to loans | 0.0404% | 1,537 |
| Credit loss provision to net charge-offs | 166.6667% | 1,205 |
| Earnings coverage of net charge-offs (x) | 113.3333% | 739 |
| Efficiency ratio | 65.5056% | 2,537 |
| Assets per employee ($millions) | 6.7708% | 2,295 |
| Cash dividends to net income (ytd only)* | 69.8015% | 694 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6016% | 835 |
| Loan loss allowance to noncurrent loans | 1,412.1212% | 566 |
| Noncurrent assets plus other real estate owned to assets | 0.0305% | 3,530 |
| Noncurrent loans to loans | 0.1134% | 3,117 |
| Net loans and leases to total assets | 26.4300% | 4,296 |
| Net loans and leases to deposits | 28.6157% | 4,329 |
| Net loans and leases to core deposits | 30.8002% | 4,314 |
| Total domestic deposits to total assets | 92.3500% | 144 |
| Equity capital to assets | 5.4508% | 4,415 |
| Core capital (leverage) ratio | 9.3054% | 3,471 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.9009% | 481 |
| Memoranda: | ||
| Average total assets | $108,392,000 | 3,719 |
| Average earning assets | $101,196,750 | 3,701 |
| Average equity | $5,375,000 | 4,236 |
| Average total loans | $29,666,000 | 4,120 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7101% | 4,404 |
| Cost of funding earning assets | 1.4560% | 3,383 |
| Net interest margin | 2.2541% | 4,119 |
| Noninterest income to average assets | 1.5800% | 338 |
| Noninterest expense to average assets | 2.3687% | 2,610 |
| Loan and lease loss provision to assets | 0.0300% | 2,286 |
| Net operating income to assets | 1.2194% | 1,425 |
| Return on assets (ROA) | 1.2194% | 1,430 |
| Pretax return on assets | 1.2840% | 1,745 |
| Return on Equity (ROE) | 25.4300% | 205 |
| Retained earnings to average equity (ytd only) | 7.5409% | 1,496 |
| Net charge-offs to loans | 0.0536% | 1,251 |
| Credit loss provision to net charge-offs | 187.5000% | 1,064 |
| Earnings coverage of net charge-offs (x) | 88.8750% | 828 |
| Efficiency ratio | 64.3609% | 2,728 |
| Assets per employee ($millions) | 7.3414% | 1,844 |
| Cash dividends to net income (ytd only)* | 70.3480% | 845 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5482% | 965 |
| Loan loss allowance to noncurrent loans | 1,259.4595% | 654 |
| Noncurrent assets plus other real estate owned to assets | 0.0336% | 3,475 |
| Noncurrent loans to loans | 0.1229% | 3,036 |
| Net loans and leases to total assets | 26.9100% | 4,310 |
| Net loans and leases to deposits | 30.1222% | 4,331 |
| Net loans and leases to core deposits | 32.2161% | 4,308 |
| Total domestic deposits to total assets | 89.3300% | 905 |
| Equity capital to assets | 5.0199% | 4,369 |
| Core capital (leverage) ratio | 9.2355% | 3,505 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.2493% | 517 |
| Memoranda: | ||
| Average total assets | $108,412,000 | 3,731 |
| Average earning assets | $101,236,000 | 3,717 |
| Average equity | $5,198,333 | 4,260 |
| Average total loans | $29,856,000 | 4,133 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6679% | 4,420 |
| Cost of funding earning assets | 1.4448% | 3,322 |
| Net interest margin | 2.2231% | 4,163 |
| Noninterest income to average assets | 1.7100% | 288 |
| Noninterest expense to average assets | 2.4247% | 2,444 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 1.2905% | 1,256 |
| Return on assets (ROA) | 1.2905% | 1,262 |
| Pretax return on assets | 1.3574% | 1,523 |
| Return on Equity (ROE) | 27.5800% | 175 |
| Retained earnings to average equity (ytd only) | -4.2118% | 4,089 |
| Net charge-offs to loans | 0.0942% | 758 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 52.1429% | 947 |
| Efficiency ratio | 64.1101% | 2,801 |
| Assets per employee ($millions) | 7.0877% | 2,030 |
| Cash dividends to net income (ytd only)* | 115.2738% | 426 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5277% | 999 |
| Loan loss allowance to noncurrent loans | 1,130.0000% | 754 |
| Noncurrent assets plus other real estate owned to assets | 0.0376% | 3,436 |
| Noncurrent loans to loans | 0.1352% | 2,934 |
| Net loans and leases to total assets | 27.4000% | 4,326 |
| Net loans and leases to deposits | 29.3168% | 4,351 |
| Net loans and leases to core deposits | 30.6207% | 4,383 |
| Total domestic deposits to total assets | 93.4800% | 151 |
| Equity capital to assets | 4.7810% | 4,398 |
| Core capital (leverage) ratio | 9.2203% | 3,474 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.2371% | 530 |
| Memoranda: | ||
| Average total assets | $107,557,500 | 3,762 |
| Average earning assets | $100,220,500 | 3,746 |
| Average equity | $5,033,500 | 4,294 |
| Average total loans | $29,734,500 | 4,155 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4271% | 4,422 |
| Cost of funding earning assets | 1.2699% | 2,599 |
| Net interest margin | 2.1572% | 4,341 |
| Noninterest income to average assets | 1.4300% | 412 |
| Noninterest expense to average assets | 2.4776% | 2,355 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.9357% | 2,422 |
| Return on assets (ROA) | 0.9357% | 2,403 |
| Pretax return on assets | 0.9655% | 2,765 |
| Return on Equity (ROE) | 23.9300% | 356 |
| Retained earnings to average equity (ytd only) | 11.3810% | 716 |
| Net charge-offs to loans | 0.0037% | 2,627 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 1,037.0000% | 149 |
| Efficiency ratio | 71.9578% | 1,663 |
| Assets per employee ($millions) | 7.7714% | 1,554 |
| Cash dividends to net income (ytd only)* | 52.4378% | 1,524 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5360% | 966 |
| 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 | 27.0400% | 4,340 |
| Net loans and leases to deposits | 28.7654% | 4,366 |
| Net loans and leases to core deposits | 29.6078% | 4,402 |
| Total domestic deposits to total assets | 94.0100% | 109 |
| Equity capital to assets | 4.5809% | 4,462 |
| Core capital (leverage) ratio | 9.1694% | 3,562 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.0990% | 533 |
| Memoranda: | ||
| Average total assets | $107,401,200 | 3,760 |
| Average earning assets | $100,083,200 | 3,744 |
| Average equity | $4,200,000 | 4,338 |
| Average total loans | $27,206,800 | 4,182 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3420% | 4,440 |
| Cost of funding earning assets | 1.2160% | 2,379 |
| Net interest margin | 2.1260% | 4,397 |
| Noninterest income to average assets | 1.4500% | 407 |
| Noninterest expense to average assets | 2.3627% | 2,619 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.0138% | 2,326 |
| Return on assets (ROA) | 1.0138% | 2,311 |
| Pretax return on assets | 1.0686% | 2,661 |
| Return on Equity (ROE) | 27.1100% | 304 |
| Retained earnings to average equity (ytd only) | 10.8555% | 1,184 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 68.8566% | 1,924 |
| Assets per employee ($millions) | 7.6213% | 1,554 |
| Cash dividends to net income (ytd only)* | 59.9509% | 940 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6188% | 855 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 26.2000% | 4,375 |
| Net loans and leases to deposits | 29.1892% | 4,389 |
| Net loans and leases to core deposits | 29.6562% | 4,390 |
| Total domestic deposits to total assets | 89.7600% | 1,001 |
| Equity capital to assets | 4.2053% | 4,383 |
| Core capital (leverage) ratio | 9.2014% | 3,595 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.3589% | 528 |
| Memoranda: | ||
| Average total assets | $107,051,750 | 3,781 |
| Average earning assets | $99,778,500 | 3,762 |
| Average equity | $4,004,000 | 4,367 |
| Average total loans | $26,538,000 | 4,208 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2905% | 4,467 |
| Cost of funding earning assets | 1.0761% | 2,362 |
| Net interest margin | 2.2144% | 4,412 |
| Noninterest income to average assets | 1.4500% | 341 |
| Noninterest expense to average assets | 2.2581% | 2,925 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.1888% | 1,856 |
| Return on assets (ROA) | 1.1888% | 1,852 |
| Pretax return on assets | 1.2522% | 2,218 |
| Return on Equity (ROE) | 33.1500% | 168 |
| Retained earnings to average equity (ytd only) | 7.8064% | 2,033 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 64.3275% | 2,448 |
| Assets per employee ($millions) | 7.5928% | 1,550 |
| Cash dividends to net income (ytd only)* | 76.4521% | 617 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7084% | 736 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 24.9000% | 4,407 |
| Net loans and leases to deposits | 27.6100% | 4,421 |
| Net loans and leases to core deposits | 27.6967% | 4,425 |
| Total domestic deposits to total assets | 90.1700% | 878 |
| Equity capital to assets | 3.8382% | 4,515 |
| Core capital (leverage) ratio | 9.0211% | 3,743 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.8030% | 497 |
| Memoranda: | ||
| Average total assets | $107,169,667 | 3,795 |
| Average earning assets | $99,801,333 | 3,776 |
| Average equity | $3,843,000 | 4,408 |
| Average total loans | $25,912,000 | 4,230 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2381% | 4,472 |
| Cost of funding earning assets | 0.9394% | 2,246 |
| Net interest margin | 2.2986% | 4,447 |
| Noninterest income to average assets | 1.5200% | 324 |
| Noninterest expense to average assets | 2.2638% | 2,916 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.3271% | 1,597 |
| Return on assets (ROA) | 1.3271% | 1,567 |
| Pretax return on assets | 1.3977% | 1,887 |
| Return on Equity (ROE) | 38.3400% | 125 |
| Retained earnings to average equity (ytd only) | 6.1216% | 2,731 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 61.8274% | 2,719 |
| Assets per employee ($millions) | 8.1443% | 1,270 |
| Cash dividends to net income (ytd only)* | 84.0336% | 594 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8668% | 577 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 22.8400% | 4,489 |
| Net loans and leases to deposits | 24.0272% | 4,508 |
| Net loans and leases to core deposits | 24.0991% | 4,507 |
| Total domestic deposits to total assets | 95.0500% | 87 |
| Equity capital to assets | 3.6335% | 4,567 |
| Core capital (leverage) ratio | 8.8630% | 3,850 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.9964% | 441 |
| Memoranda: | ||
| Average total assets | $107,605,000 | 3,839 |
| Average earning assets | $100,059,000 | 3,822 |
| Average equity | $3,724,500 | 4,478 |
| Average total loans | $25,405,500 | 4,298 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8849% | 4,253 |
| Cost of funding earning assets | 0.3515% | 2,463 |
| Net interest margin | 2.5335% | 4,247 |
| Noninterest income to average assets | 1.2500% | 439 |
| Noninterest expense to average assets | 2.3113% | 2,691 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.2273% | 1,677 |
| Return on assets (ROA) | 1.1444% | 1,937 |
| Pretax return on assets | 1.2119% | 2,397 |
| Return on Equity (ROE) | 26.7600% | 158 |
| Retained earnings to average equity (ytd only) | -2.6701% | 4,513 |
| Net charge-offs to loans | 0.0038% | 2,317 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 1,446.0000% | 121 |
| Efficiency ratio | 64.0030% | 2,490 |
| Assets per employee ($millions) | 7.8096% | 1,435 |
| Cash dividends to net income (ytd only)* | 109.9764% | 150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7577% | 717 |
| 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 | 23.5200% | 4,516 |
| Net loans and leases to deposits | 24.8593% | 4,535 |
| Net loans and leases to core deposits | 24.8593% | 4,535 |
| Total domestic deposits to total assets | 94.5900% | 187 |
| Equity capital to assets | 3.2945% | 4,581 |
| Core capital (leverage) ratio | 8.6526% | 4,003 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.7234% | 498 |
| Memoranda: | ||
| Average total assets | $111,233,800 | 3,820 |
| Average earning assets | $103,849,600 | 3,800 |
| Average equity | $4,756,400 | 4,453 |
| Average total loans | $26,036,400 | 4,305 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7937% | 4,203 |
| Cost of funding earning assets | 0.2372% | 2,849 |
| Net interest margin | 2.5566% | 4,156 |
| Noninterest income to average assets | 1.2700% | 454 |
| Noninterest expense to average assets | 2.1544% | 3,059 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.4336% | 997 |
| Return on assets (ROA) | 1.3225% | 1,256 |
| Pretax return on assets | 1.3917% | 1,737 |
| Return on Equity (ROE) | 29.2800% | 109 |
| Retained earnings to average equity (ytd only) | -5.0742% | 4,605 |
| Net charge-offs to loans | 0.0051% | 1,986 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 1,264.0000% | 110 |
| Efficiency ratio | 58.8139% | 3,284 |
| Assets per employee ($millions) | 7.7582% | 1,443 |
| Cash dividends to net income (ytd only)* | 117.3285% | 148 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8527% | 662 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 22.4400% | 4,565 |
| Net loans and leases to deposits | 23.6762% | 4,583 |
| Net loans and leases to core deposits | 23.6762% | 4,581 |
| Total domestic deposits to total assets | 94.7600% | 251 |
| Equity capital to assets | 3.0235% | 4,589 |
| Core capital (leverage) ratio | 8.3702% | 4,171 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.4239% | 469 |
| Memoranda: | ||
| Average total assets | $111,708,750 | 3,839 |
| Average earning assets | $104,565,250 | 3,811 |
| Average equity | $5,045,000 | 4,463 |
| Average total loans | $26,003,000 | 4,336 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6789% | 4,173 |
| Cost of funding earning assets | 0.1194% | 3,969 |
| Net interest margin | 2.5595% | 3,979 |
| Noninterest income to average assets | 1.3766% | 381 |
| Noninterest expense to average assets | 2.1377% | 3,033 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.5524% | 616 |
| Return on assets (ROA) | 1.3873% | 908 |
| Pretax return on assets | 1.4600% | 1,281 |
| Return on Equity (ROE) | 27.7699% | 76 |
| Retained earnings to average equity (ytd only) | -18.3949% | 4,723 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.6792% | 3,706 |
| Assets per employee ($millions) | 8.4445% | 1,092 |
| Cash dividends to net income (ytd only)* | 166.2404% | 118 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8541% | 731 |
| 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 | 22.1811% | 4,628 |
| Net loans and leases to deposits | 23.3797% | 4,648 |
| Net loans and leases to core deposits | 23.3797% | 4,654 |
| Total domestic deposits to total assets | 94.8733% | 152 |
| Equity capital to assets | 1.7371% | 4,734 |
| Core capital (leverage) ratio | 7.4143% | 4,591 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.5288% | 581 |
| Memoranda: | ||
| Average total assets | $112,740,000 | 3,867 |
| Average earning assets | $105,489,667 | 3,852 |
| Average equity | $5,632,000 | 4,451 |
| Average total loans | $26,394,333 | 4,384 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6845% | 3,978 |
| Cost of funding earning assets | 0.0673% | 4,478 |
| Net interest margin | 2.6172% | 3,616 |
| Noninterest income to average assets | 1.9331% | 253 |
| Noninterest expense to average assets | 2.2483% | 2,690 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 2.0299% | 209 |
| Return on assets (ROA) | 2.2062% | 159 |
| Pretax return on assets | 2.3218% | 225 |
| Return on Equity (ROE) | 33.6247% | 45 |
| Retained earnings to average equity (ytd only) | -19.7478% | 4,698 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.2780% | 4,237 |
| Assets per employee ($millions) | 9.0505% | 891 |
| Cash dividends to net income (ytd only)* | 158.7302% | 289 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8803% | 771 |
| 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 | 20.4460% | 4,662 |
| Net loans and leases to deposits | 23.1854% | 4,670 |
| Net loans and leases to core deposits | 23.1854% | 4,671 |
| Total domestic deposits to total assets | 88.1850% | 2,441 |
| Equity capital to assets | 4.2777% | 4,772 |
| Core capital (leverage) ratio | 8.1991% | 4,157 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.3622% | 531 |
| Memoranda: | ||
| Average total assets | $114,221,000 | 3,872 |
| Average earning assets | $106,984,500 | 3,846 |
| Average equity | $7,494,500 | 4,318 |
| Average total loans | $27,186,500 | 4,386 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5172% | 593 |
| Cost of funding earning assets | 0.0845% | 4,501 |
| Net interest margin | 4.4327% | 308 |
| Noninterest income to average assets | 0.8817% | 1,253 |
| Noninterest expense to average assets | 3.4621% | 507 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.4649% | 1,095 |
| Return on assets (ROA) | 1.4971% | 1,077 |
| Pretax return on assets | 1.5950% | 1,437 |
| Return on Equity (ROE) | 15.8213% | 785 |
| Retained earnings to average equity (ytd only) | 9.5390% | 1,035 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9263% | 1,866 |
| Assets per employee ($millions) | 7.9132% | 1,379 |
| Cash dividends to net income (ytd only)* | 39.7078% | 2,049 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5441% | 1,411 |
| 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 | 26.5334% | 4,610 |
| Net loans and leases to deposits | 30.9613% | 4,606 |
| Net loans and leases to core deposits | 30.9613% | 4,625 |
| Total domestic deposits to total assets | 85.6984% | 3,017 |
| Equity capital to assets | 8.9922% | 3,627 |
| Core capital (leverage) ratio | 9.0215% | 3,377 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.9083% | 451 |
| Memoranda: | ||
| Average total assets | $105,137,800 | 3,943 |
| Average earning assets | $98,224,800 | 3,923 |
| Average equity | $9,948,600 | 4,136 |
| Average total loans | $31,864,400 | 4,342 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4153% | 166 |
| Cost of funding earning assets | 0.0867% | 4,599 |
| Net interest margin | 5.3286% | 104 |
| Noninterest income to average assets | 0.9358% | 1,184 |
| Noninterest expense to average assets | 3.5362% | 442 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 2.2116% | 318 |
| Return on assets (ROA) | 2.2546% | 309 |
| Pretax return on assets | 2.4230% | 380 |
| Return on Equity (ROE) | 23.5148% | 228 |
| Retained earnings to average equity (ytd only) | 15.1358% | 380 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8043% | 3,005 |
| Assets per employee ($millions) | 7.8030% | 1,375 |
| Cash dividends to net income (ytd only)* | 35.6328% | 1,811 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2891% | 2,544 |
| 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 | 32.3145% | 4,534 |
| Net loans and leases to deposits | 39.6792% | 4,462 |
| Net loans and leases to core deposits | 39.6792% | 4,524 |
| Total domestic deposits to total assets | 81.4394% | 4,025 |
| Equity capital to assets | 9.5366% | 3,338 |
| Core capital (leverage) ratio | 9.2760% | 3,237 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.1357% | 332 |
| Memoranda: | ||
| Average total assets | $103,726,000 | 4,011 |
| Average earning assets | $96,884,250 | 3,989 |
| Average equity | $9,945,250 | 4,194 |
| Average total loans | $32,366,500 | 4,390 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0823% | 43 |
| Cost of funding earning assets | 0.0864% | 4,659 |
| Net interest margin | 6.9959% | 34 |
| Noninterest income to average assets | 0.9403% | 1,174 |
| Noninterest expense to average assets | 4.2773% | 240 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 2.9494% | 137 |
| Return on assets (ROA) | 3.0151% | 135 |
| Pretax return on assets | 3.2506% | 143 |
| Return on Equity (ROE) | 31.3864% | 84 |
| Retained earnings to average equity (ytd only) | 18.6153% | 200 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.3572% | 3,358 |
| Assets per employee ($millions) | 7.5586% | 1,441 |
| Cash dividends to net income (ytd only)* | 40.6901% | 1,586 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2850% | 2,511 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 33.4672% | 4,553 |
| Net loans and leases to deposits | 39.0149% | 4,549 |
| Net loans and leases to core deposits | 39.0149% | 4,600 |
| Total domestic deposits to total assets | 85.7806% | 2,811 |
| Equity capital to assets | 9.6938% | 3,153 |
| Core capital (leverage) ratio | 8.9034% | 3,571 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.8184% | 308 |
| Memoranda: | ||
| Average total assets | $101,887,333 | 4,049 |
| Average earning assets | $94,912,667 | 4,036 |
| Average equity | $9,787,667 | 4,224 |
| Average total loans | $31,234,667 | 4,449 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1841% | 83 |
| Cost of funding earning assets | 0.0862% | 4,719 |
| Net interest margin | 6.0979% | 60 |
| Noninterest income to average assets | 1.0849% | 1,004 |
| Noninterest expense to average assets | 3.7870% | 338 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 2.7563% | 186 |
| Return on assets (ROA) | 2.8903% | 187 |
| Pretax return on assets | 3.1025% | 213 |
| Return on Equity (ROE) | 30.2329% | 139 |
| Retained earnings to average equity (ytd only) | 7.9560% | 2,254 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.1424% | 3,531 |
| Assets per employee ($millions) | 7.4019% | 1,518 |
| Cash dividends to net income (ytd only)* | 73.6842% | 666 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4286% | 1,846 |
| 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 | 30.6957% | 4,677 |
| Net loans and leases to deposits | 36.0879% | 4,677 |
| Net loans and leases to core deposits | 36.0879% | 4,722 |
| Total domestic deposits to total assets | 85.0579% | 3,069 |
| Equity capital to assets | 8.8259% | 3,858 |
| Core capital (leverage) ratio | 8.8162% | 3,799 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.6811% | 369 |
| Memoranda: | ||
| Average total assets | $99,921,000 | 4,077 |
| Average earning assets | $92,754,000 | 4,067 |
| Average equity | $9,552,500 | 4,263 |
| Average total loans | $28,914,000 | 4,513 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0047% | 4,628 |
| Cost of funding earning assets | 0.2220% | 4,501 |
| Net interest margin | 2.7827% | 4,286 |
| Noninterest income to average assets | 1.0402% | 971 |
| Noninterest expense to average assets | 2.8459% | 1,828 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.7394% | 3,302 |
| Return on assets (ROA) | 1.0800% | 2,127 |
| Pretax return on assets | 1.1038% | 2,677 |
| Return on Equity (ROE) | 10.3794% | 1,856 |
| Retained earnings to average equity (ytd only) | 5.0423% | 2,257 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.0038% | 961 |
| Assets per employee ($millions) | 6.4143% | 1,986 |
| Cash dividends to net income (ytd only)* | 51.4196% | 1,756 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8037% | 846 |
| 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 | 26.0843% | 4,821 |
| Net loans and leases to deposits | 29.5120% | 4,839 |
| Net loans and leases to core deposits | 29.5120% | 4,858 |
| Total domestic deposits to total assets | 88.3854% | 1,284 |
| Equity capital to assets | 10.3508% | 2,796 |
| Core capital (leverage) ratio | 9.2537% | 3,380 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.8911% | 397 |
| Memoranda: | ||
| Average total assets | $88,055,800 | 4,141 |
| Average earning assets | $81,073,400 | 4,150 |
| Average equity | $9,162,400 | 4,291 |
| Average total loans | $24,905,200 | 4,617 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1773% | 4,611 |
| Cost of funding earning assets | 0.2594% | 4,478 |
| Net interest margin | 2.9178% | 4,149 |
| Noninterest income to average assets | 1.0943% | 865 |
| Noninterest expense to average assets | 2.7700% | 2,055 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.9582% | 2,496 |
| Return on assets (ROA) | 1.4059% | 1,182 |
| Pretax return on assets | 1.4803% | 1,488 |
| Return on Equity (ROE) | 13.4918% | 979 |
| Retained earnings to average equity (ytd only) | 6.8128% | 1,771 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2978% | 1,479 |
| Assets per employee ($millions) | 6.1686% | 2,121 |
| Cash dividends to net income (ytd only)* | 49.5039% | 1,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7193% | 862 |
| 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 | 28.4808% | 4,848 |
| Net loans and leases to deposits | 35.1486% | 4,841 |
| Net loans and leases to core deposits | 35.1486% | 4,859 |
| Total domestic deposits to total assets | 81.0297% | 3,655 |
| Equity capital to assets | 10.9728% | 2,414 |
| Core capital (leverage) ratio | 9.5222% | 3,238 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.6550% | 376 |
| Memoranda: | ||
| Average total assets | $86,016,000 | 4,176 |
| Average earning assets | $79,143,500 | 4,178 |
| Average equity | $8,963,250 | 4,328 |
| Average total loans | $24,742,000 | 4,651 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4605% | 4,464 |
| Cost of funding earning assets | 0.3092% | 4,446 |
| Net interest margin | 3.1514% | 3,784 |
| Noninterest income to average assets | 1.0901% | 838 |
| Noninterest expense to average assets | 2.8791% | 1,882 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.0517% | 2,141 |
| Return on assets (ROA) | 1.7318% | 637 |
| Pretax return on assets | 1.8129% | 795 |
| Return on Equity (ROE) | 16.9494% | 460 |
| Retained earnings to average equity (ytd only) | 7.4008% | 1,502 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2754% | 1,641 |
| Assets per employee ($millions) | 5.4388% | 2,700 |
| Cash dividends to net income (ytd only)* | 56.3361% | 1,351 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7795% | 689 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 29.2404% | 4,872 |
| Net loans and leases to deposits | 33.4803% | 4,893 |
| Net loans and leases to core deposits | 33.4803% | 4,912 |
| Total domestic deposits to total assets | 87.3362% | 1,483 |
| Equity capital to assets | 11.2112% | 2,175 |
| Core capital (leverage) ratio | 9.8679% | 2,955 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.8883% | 336 |
| Memoranda: | ||
| Average total assets | $83,845,000 | 4,209 |
| Average earning assets | $76,982,667 | 4,212 |
| Average equity | $8,566,667 | 4,400 |
| Average total loans | $24,051,333 | 4,685 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1431% | 4,898 |
| Cost of funding earning assets | 0.4201% | 4,282 |
| Net interest margin | 2.7229% | 4,648 |
| Noninterest income to average assets | 1.2157% | 595 |
| Noninterest expense to average assets | 2.9614% | 1,980 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.7051% | 3,255 |
| Return on assets (ROA) | 0.7051% | 3,333 |
| Pretax return on assets | 0.7440% | 3,557 |
| Return on Equity (ROE) | 7.2755% | 2,842 |
| Retained earnings to average equity (ytd only) | -7.7772% | 4,681 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.9213% | 1,148 |
| Assets per employee ($millions) | 5.1649% | 2,468 |
| Cash dividends to net income (ytd only)* | 206.8966% | 287 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9904% | 507 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 27.4692% | 4,941 |
| Net loans and leases to deposits | 32.1189% | 4,951 |
| Net loans and leases to core deposits | 32.1189% | 4,963 |
| Total domestic deposits to total assets | 85.5236% | 2,202 |
| Equity capital to assets | 10.1842% | 3,617 |
| Core capital (leverage) ratio | 9.6585% | 3,826 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.2917% | 480 |
| Memoranda: | ||
| Average total assets | $82,257,500 | 4,234 |
| Average earning assets | $75,213,500 | 4,235 |
| Average equity | $7,972,000 | 4,485 |
| Average total loans | $23,124,000 | 4,742 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4581% | 4,884 |
| Cost of funding earning assets | 0.5367% | 3,938 |
| Net interest margin | 2.9214% | 4,632 |
| Noninterest income to average assets | 1.3833% | 502 |
| Noninterest expense to average assets | 3.1697% | 1,592 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.8501% | 3,392 |
| Return on assets (ROA) | 0.8850% | 3,348 |
| Pretax return on assets | 0.9281% | 3,654 |
| Return on Equity (ROE) | 9.8360% | 2,371 |
| Retained earnings to average equity (ytd only) | 3.1706% | 3,431 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.0518% | 1,146 |
| Assets per employee ($millions) | 4.5487% | 3,159 |
| Cash dividends to net income (ytd only)* | 67.7650% | 1,225 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9968% | 460 |
| 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 | 27.6341% | 5,003 |
| Net loans and leases to deposits | 30.9415% | 5,027 |
| Net loans and leases to core deposits | 30.9415% | 5,040 |
| Total domestic deposits to total assets | 89.3108% | 555 |
| Equity capital to assets | 9.1943% | 4,573 |
| Core capital (leverage) ratio | 9.1005% | 4,447 |
| Tier 1 risk-based capital ratio | 21.8905% | 1,039 |
| Total risk-based capital ratio | 23.1395% | 1,018 |
| Memoranda: | ||
| Average total assets | $78,871,200 | 4,309 |
| Average earning assets | $72,294,200 | 4,308 |
| Average equity | $7,096,400 | 4,629 |
| Average total loans | $24,991,200 | 4,747 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5206% | 4,945 |
| Cost of funding earning assets | 0.5545% | 3,900 |
| Net interest margin | 2.9661% | 4,669 |
| Noninterest income to average assets | 1.3620% | 496 |
| Noninterest expense to average assets | 3.1063% | 1,700 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.9278% | 3,242 |
| Return on assets (ROA) | 0.8824% | 3,489 |
| Pretax return on assets | 0.9285% | 3,796 |
| Return on Equity (ROE) | 9.8636% | 2,492 |
| Retained earnings to average equity (ytd only) | 2.1750% | 4,213 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.0870% | 1,322 |
| Assets per employee ($millions) | 4.3718% | 3,380 |
| Cash dividends to net income (ytd only)* | 77.9493% | 715 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7929% | 690 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 32.0884% | 5,019 |
| Net loans and leases to deposits | 37.2181% | 5,046 |
| Net loans and leases to core deposits | 37.2181% | 5,068 |
| Total domestic deposits to total assets | 86.2172% | 1,899 |
| Equity capital to assets | 9.7697% | 4,238 |
| Core capital (leverage) ratio | 8.9563% | 4,668 |
| Tier 1 risk-based capital ratio | 20.4352% | 1,300 |
| Total risk-based capital ratio | 21.6842% | 1,266 |
| Memoranda: | ||
| Average total assets | $78,119,750 | 4,373 |
| Average earning assets | $71,652,000 | 4,373 |
| Average equity | $6,988,500 | 4,699 |
| Average total loans | $25,467,250 | 4,809 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5229% | 4,992 |
| Cost of funding earning assets | 0.5332% | 3,964 |
| Net interest margin | 2.9897% | 4,710 |
| Noninterest income to average assets | 1.3115% | 511 |
| Noninterest expense to average assets | 3.1105% | 1,704 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.8980% | 3,292 |
| Return on assets (ROA) | 0.7956% | 3,732 |
| Pretax return on assets | 0.8418% | 3,992 |
| Return on Equity (ROE) | 9.1779% | 2,783 |
| Retained earnings to average equity (ytd only) | -2.5165% | 4,948 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6119% | 1,320 |
| Assets per employee ($millions) | 4.2792% | 3,466 |
| Cash dividends to net income (ytd only)* | 127.4194% | 223 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8221% | 652 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 32.2480% | 5,068 |
| Net loans and leases to deposits | 37.1597% | 5,091 |
| Net loans and leases to core deposits | 37.1597% | 5,114 |
| Total domestic deposits to total assets | 86.7822% | 1,694 |
| Equity capital to assets | 9.4242% | 4,481 |
| Core capital (leverage) ratio | 8.5974% | 4,913 |
| Tier 1 risk-based capital ratio | 20.5055% | 1,252 |
| Total risk-based capital ratio | 21.7558% | 1,218 |
| Memoranda: | ||
| Average total assets | $77,929,000 | 4,410 |
| Average earning assets | $71,645,000 | 4,409 |
| Average equity | $6,755,330 | 4,753 |
| Average total loans | $25,385,670 | 4,843 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4089% | 5,105 |
| Cost of funding earning assets | 0.4719% | 4,194 |
| Net interest margin | 2.9370% | 4,841 |
| Noninterest income to average assets | 1.2809% | 516 |
| Noninterest expense to average assets | 3.1538% | 1,606 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.7794% | 3,689 |
| Return on assets (ROA) | 0.8369% | 3,536 |
| Pretax return on assets | 0.8880% | 3,805 |
| Return on Equity (ROE) | 10.0869% | 2,336 |
| Retained earnings to average equity (ytd only) | -13.5927% | 5,185 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.2308% | 1,127 |
| Assets per employee ($millions) | 4.2497% | 3,546 |
| Cash dividends to net income (ytd only)* | 234.7561% | 134 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8545% | 637 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 31.8936% | 5,114 |
| Net loans and leases to deposits | 38.3245% | 5,106 |
| Net loans and leases to core deposits | 38.3245% | 5,131 |
| Total domestic deposits to total assets | 83.2198% | 3,308 |
| Equity capital to assets | 8.6986% | 4,881 |
| Core capital (leverage) ratio | 8.5516% | 4,981 |
| Tier 1 risk-based capital ratio | 19.7228% | 1,393 |
| Total risk-based capital ratio | 20.9735% | 1,371 |
| Memoranda: | ||
| Average total assets | $78,381,000 | 4,447 |
| Average earning assets | $72,046,500 | 4,450 |
| Average equity | $6,503,500 | 4,817 |
| Average total loans | $25,428,500 | 4,897 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4385% | 4,976 |
| Cost of funding earning assets | 0.3709% | 4,151 |
| Net interest margin | 3.0677% | 4,700 |
| Noninterest income to average assets | 1.3083% | 541 |
| Noninterest expense to average assets | 3.1633% | 1,641 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.9163% | 3,379 |
| Return on assets (ROA) | 0.8246% | 3,710 |
| Pretax return on assets | 0.8683% | 3,979 |
| Return on Equity (ROE) | 10.4380% | 2,325 |
| Retained earnings to average equity (ytd only) | 3.6802% | 3,555 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6282% | 1,280 |
| Assets per employee ($millions) | 4.4593% | 3,229 |
| Cash dividends to net income (ytd only)* | 64.7426% | 1,292 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7731% | 718 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 31.8163% | 5,173 |
| Net loans and leases to deposits | 35.0681% | 5,211 |
| Net loans and leases to core deposits | 35.0681% | 5,231 |
| Total domestic deposits to total assets | 90.7272% | 266 |
| Equity capital to assets | 7.9148% | 5,195 |
| Core capital (leverage) ratio | 8.6127% | 4,950 |
| Tier 1 risk-based capital ratio | 19.6833% | 1,358 |
| Total risk-based capital ratio | 20.9314% | 1,332 |
| Memoranda: | ||
| Average total assets | $77,734,400 | 4,471 |
| Average earning assets | $71,455,000 | 4,470 |
| Average equity | $6,141,000 | 4,875 |
| Average total loans | $25,926,000 | 4,910 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4137% | 5,020 |
| Cost of funding earning assets | 0.3483% | 4,190 |
| Net interest margin | 3.0653% | 4,762 |
| Noninterest income to average assets | 1.3177% | 551 |
| Noninterest expense to average assets | 3.1162% | 1,720 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.9578% | 3,274 |
| Return on assets (ROA) | 0.9010% | 3,531 |
| Pretax return on assets | 0.9563% | 3,861 |
| Return on Equity (ROE) | 11.4102% | 2,012 |
| Retained earnings to average equity (ytd only) | 4.4019% | 3,555 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.3975% | 1,419 |
| Assets per employee ($millions) | 4.1377% | 3,677 |
| Cash dividends to net income (ytd only)* | 61.4209% | 1,151 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7716% | 766 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 32.5121% | 5,233 |
| Net loans and leases to deposits | 35.7173% | 5,274 |
| Net loans and leases to core deposits | 35.7173% | 5,303 |
| Total domestic deposits to total assets | 91.0261% | 211 |
| Equity capital to assets | 7.4933% | 5,309 |
| Core capital (leverage) ratio | 8.6058% | 5,028 |
| Tier 1 risk-based capital ratio | 19.3867% | 1,455 |
| Total risk-based capital ratio | 20.6359% | 1,425 |
| Memoranda: | ||
| Average total assets | $77,101,250 | 4,530 |
| Average earning assets | $70,811,750 | 4,525 |
| Average equity | $6,088,000 | 4,934 |
| Average total loans | $25,907,750 | 4,969 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4032% | 5,035 |
| Cost of funding earning assets | 0.3068% | 4,375 |
| Net interest margin | 3.0964% | 4,736 |
| Noninterest income to average assets | 1.2716% | 596 |
| Noninterest expense to average assets | 3.1620% | 1,629 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.8953% | 3,473 |
| Return on assets (ROA) | 0.8094% | 3,828 |
| Pretax return on assets | 0.8643% | 4,071 |
| Return on Equity (ROE) | 10.0753% | 2,531 |
| Retained earnings to average equity (ytd only) | 0.0000% | 4,955 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.7914% | 1,340 |
| Assets per employee ($millions) | 4.1113% | 3,709 |
| Cash dividends to net income (ytd only)* | 100.0000% | 381 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7142% | 884 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 33.8373% | 5,242 |
| Net loans and leases to deposits | 40.2136% | 5,240 |
| Net loans and leases to core deposits | 40.2136% | 5,275 |
| Total domestic deposits to total assets | 84.1439% | 3,010 |
| Equity capital to assets | 7.6541% | 5,331 |
| Core capital (leverage) ratio | 8.4646% | 5,132 |
| Tier 1 risk-based capital ratio | 18.6380% | 1,639 |
| Total risk-based capital ratio | 19.8864% | 1,604 |
| Memoranda: | ||
| Average total assets | $76,596,000 | 4,581 |
| Average earning assets | $70,404,670 | 4,584 |
| Average equity | $6,153,670 | 4,981 |
| Average total loans | $25,870,000 | 5,024 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3773% | 5,047 |
| Cost of funding earning assets | 0.2704% | 4,574 |
| Net interest margin | 3.1069% | 4,696 |
| Noninterest income to average assets | 1.3186% | 539 |
| Noninterest expense to average assets | 3.1594% | 1,670 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.9494% | 3,076 |
| Return on assets (ROA) | 0.9494% | 3,096 |
| Pretax return on assets | 1.0074% | 3,508 |
| Return on Equity (ROE) | 11.5366% | 1,752 |
| Retained earnings to average equity (ytd only) | -7.6911% | 5,298 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.8228% | 1,616 |
| Assets per employee ($millions) | 4.0468% | 3,900 |
| Cash dividends to net income (ytd only)* | 166.6667% | 260 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7985% | 788 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 32.7364% | 5,299 |
| Net loans and leases to deposits | 35.9730% | 5,358 |
| Net loans and leases to core deposits | 42.8873% | 5,241 |
| Total domestic deposits to total assets | 91.0027% | 316 |
| Equity capital to assets | 7.6863% | 5,371 |
| Core capital (leverage) ratio | 8.5214% | 5,129 |
| Tier 1 risk-based capital ratio | 19.1454% | 1,523 |
| Total risk-based capital ratio | 20.3960% | 1,477 |
| Memoranda: | ||
| Average total assets | $75,836,500 | 4,642 |
| Average earning assets | $69,523,500 | 4,650 |
| Average equity | $6,241,000 | 5,018 |
| Average total loans | $25,358,500 | 5,095 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2798% | 5,104 |
| Cost of funding earning assets | 0.2468% | 4,593 |
| Net interest margin | 3.0330% | 4,817 |
| Noninterest income to average assets | 1.1952% | 727 |
| Noninterest expense to average assets | 3.3165% | 1,341 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.6451% | 3,838 |
| Return on assets (ROA) | 0.7434% | 3,457 |
| Pretax return on assets | 0.7736% | 4,323 |
| Return on Equity (ROE) | 8.6433% | 2,478 |
| Retained earnings to average equity (ytd only) | 2.0005% | 4,122 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.1686% | 844 |
| Assets per employee ($millions) | 3.9359% | 4,067 |
| Cash dividends to net income (ytd only)* | 76.8551% | 951 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8378% | 728 |
| 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 | 32.9273% | 5,370 |
| Net loans and leases to deposits | 36.8165% | 5,413 |
| Net loans and leases to core deposits | 41.5028% | 5,345 |
| Total domestic deposits to total assets | 89.4361% | 806 |
| Equity capital to assets | 8.7881% | 4,903 |
| Core capital (leverage) ratio | 9.0026% | 4,651 |
| Tier 1 risk-based capital ratio | 19.9634% | 1,330 |
| Total risk-based capital ratio | 21.2132% | 1,295 |
| Memoranda: | ||
| Average total assets | $76,134,800 | 4,669 |
| Average earning assets | $70,095,200 | 4,664 |
| Average equity | $6,548,400 | 5,017 |
| Average total loans | $26,816,400 | 5,102 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2867% | 5,126 |
| Cost of funding earning assets | 0.2493% | 4,570 |
| Net interest margin | 3.0374% | 4,834 |
| Noninterest income to average assets | 1.2082% | 713 |
| Noninterest expense to average assets | 3.1906% | 1,579 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.7755% | 3,619 |
| Return on assets (ROA) | 0.7427% | 3,837 |
| Pretax return on assets | 0.7863% | 4,387 |
| Return on Equity (ROE) | 8.6815% | 2,774 |
| Retained earnings to average equity (ytd only) | 1.9564% | 4,655 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.5306% | 1,160 |
| Assets per employee ($millions) | 4.0247% | 3,950 |
| Cash dividends to net income (ytd only)* | 77.4644% | 720 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6517% | 1,127 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 35.8964% | 5,353 |
| Net loans and leases to deposits | 44.7396% | 5,296 |
| Net loans and leases to core deposits | 51.3997% | 5,156 |
| Total domestic deposits to total assets | 80.2341% | 4,272 |
| Equity capital to assets | 8.8636% | 5,021 |
| Core capital (leverage) ratio | 8.6064% | 5,151 |
| Tier 1 risk-based capital ratio | 18.3602% | 1,767 |
| Total risk-based capital ratio | 19.6081% | 1,722 |
| Memoranda: | ||
| Average total assets | $76,472,750 | 4,704 |
| Average earning assets | $70,584,750 | 4,703 |
| Average equity | $6,542,500 | 5,070 |
| Average total loans | $27,249,250 | 5,145 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2640% | 5,158 |
| Cost of funding earning assets | 0.2068% | 4,912 |
| Net interest margin | 3.0572% | 4,780 |
| Noninterest income to average assets | 1.2109% | 704 |
| Noninterest expense to average assets | 3.2246% | 1,526 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.7622% | 3,580 |
| Return on assets (ROA) | 0.6983% | 3,923 |
| Pretax return on assets | 0.7401% | 4,452 |
| Return on Equity (ROE) | 8.2611% | 2,884 |
| Retained earnings to average equity (ytd only) | 1.4542% | 4,663 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.9611% | 1,211 |
| Assets per employee ($millions) | 4.0951% | 3,797 |
| Cash dividends to net income (ytd only)* | 82.3970% | 794 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6599% | 1,128 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 35.1022% | 5,413 |
| Net loans and leases to deposits | 44.1892% | 5,331 |
| Net loans and leases to core deposits | 49.7224% | 5,234 |
| Total domestic deposits to total assets | 79.4363% | 4,524 |
| Equity capital to assets | 8.7820% | 5,079 |
| Core capital (leverage) ratio | 8.6697% | 5,070 |
| Tier 1 risk-based capital ratio | 18.2875% | 1,779 |
| Total risk-based capital ratio | 19.5370% | 1,738 |
| Memoranda: | ||
| Average total assets | $76,473,670 | 4,739 |
| Average earning assets | $70,587,330 | 4,737 |
| Average equity | $6,464,000 | 5,112 |
| Average total loans | $27,028,670 | 5,190 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2737% | 5,142 |
| Cost of funding earning assets | 0.1774% | 5,174 |
| Net interest margin | 3.0962% | 4,657 |
| Noninterest income to average assets | 1.2611% | 646 |
| Noninterest expense to average assets | 3.3242% | 1,335 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.7449% | 3,498 |
| Return on assets (ROA) | 0.7598% | 3,484 |
| Pretax return on assets | 0.8073% | 4,086 |
| Return on Equity (ROE) | 9.1727% | 2,328 |
| Retained earnings to average equity (ytd only) | -4.8411% | 5,376 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.7692% | 1,285 |
| Assets per employee ($millions) | 3.8264% | 4,305 |
| Cash dividends to net income (ytd only)* | 152.7778% | 378 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7593% | 1,035 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 33.6378% | 5,479 |
| Net loans and leases to deposits | 42.6284% | 5,398 |
| Net loans and leases to core deposits | 48.3291% | 5,286 |
| Total domestic deposits to total assets | 78.9094% | 4,840 |
| Equity capital to assets | 8.2311% | 5,396 |
| Core capital (leverage) ratio | 8.3498% | 5,341 |
| Tier 1 risk-based capital ratio | 18.0487% | 1,860 |
| Total risk-based capital ratio | 19.2970% | 1,819 |
| Memoranda: | ||
| Average total assets | $75,807,000 | 4,798 |
| Average earning assets | $69,891,000 | 4,789 |
| Average equity | $6,279,500 | 5,193 |
| Average total loans | $26,656,500 | 5,250 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3632% | 5,051 |
| Cost of funding earning assets | 0.1273% | 5,572 |
| Net interest margin | 3.2358% | 4,344 |
| Noninterest income to average assets | 1.3619% | 619 |
| Noninterest expense to average assets | 3.3806% | 1,402 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.9053% | 2,790 |
| Return on assets (ROA) | 0.7435% | 3,682 |
| Pretax return on assets | 0.7792% | 4,241 |
| Return on Equity (ROE) | 8.2331% | 2,815 |
| Retained earnings to average equity (ytd only) | 6.4830% | 1,464 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.0705% | 1,686 |
| Assets per employee ($millions) | 3.7544% | 4,391 |
| Cash dividends to net income (ytd only)* | 21.2569% | 3,678 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7005% | 1,135 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 35.4908% | 5,501 |
| Net loans and leases to deposits | 40.2474% | 5,545 |
| Net loans and leases to core deposits | 45.0898% | 5,464 |
| Total domestic deposits to total assets | 88.1817% | 1,543 |
| Equity capital to assets | 8.3370% | 5,398 |
| Core capital (leverage) ratio | 8.8539% | 4,905 |
| Tier 1 risk-based capital ratio | 18.0881% | 1,829 |
| Total risk-based capital ratio | 19.3384% | 1,788 |
| Memoranda: | ||
| Average total assets | $72,768,600 | 4,873 |
| Average earning assets | $66,752,600 | 4,877 |
| Average equity | $6,571,000 | 5,171 |
| Average total loans | $27,980,800 | 5,270 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3737% | 5,074 |
| Cost of funding earning assets | 0.1290% | 5,622 |
| Net interest margin | 3.2447% | 4,363 |
| Noninterest income to average assets | 1.4369% | 577 |
| Noninterest expense to average assets | 3.4612% | 1,220 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.8990% | 2,912 |
| Return on assets (ROA) | 0.8551% | 3,253 |
| Pretax return on assets | 0.9032% | 3,967 |
| Return on Equity (ROE) | 9.2848% | 2,364 |
| Retained earnings to average equity (ytd only) | 8.7835% | 884 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.4757% | 1,622 |
| Assets per employee ($millions) | 3.5387% | 4,729 |
| Cash dividends to net income (ytd only)* | 5.3991% | 3,669 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6134% | 1,433 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 39.7228% | 5,394 |
| Net loans and leases to deposits | 44.7666% | 5,491 |
| Net loans and leases to core deposits | 50.4821% | 5,365 |
| Total domestic deposits to total assets | 88.7330% | 1,032 |
| Equity capital to assets | 9.9388% | 4,193 |
| Core capital (leverage) ratio | 9.3309% | 4,422 |
| Tier 1 risk-based capital ratio | 17.6609% | 2,022 |
| Total risk-based capital ratio | 18.8958% | 1,987 |
| Memoranda: | ||
| Average total assets | $72,189,000 | 4,925 |
| Average earning assets | $66,156,750 | 4,929 |
| Average equity | $6,648,750 | 5,208 |
| Average total loans | $28,198,500 | 5,307 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3827% | 5,118 |
| Cost of funding earning assets | 0.1232% | 5,740 |
| Net interest margin | 3.2595% | 4,351 |
| Noninterest income to average assets | 1.4065% | 587 |
| Noninterest expense to average assets | 3.4379% | 1,298 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.9050% | 2,834 |
| Return on assets (ROA) | 0.7900% | 3,500 |
| Pretax return on assets | 0.8340% | 4,180 |
| Return on Equity (ROE) | 8.8032% | 2,586 |
| Retained earnings to average equity (ytd only) | 8.3431% | 1,059 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.2581% | 1,747 |
| Assets per employee ($millions) | 3.4428% | 4,845 |
| Cash dividends to net income (ytd only)* | 5.2265% | 3,558 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6332% | 1,440 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 38.4044% | 5,497 |
| Net loans and leases to deposits | 45.5404% | 5,512 |
| Net loans and leases to core deposits | 51.5493% | 5,377 |
| Total domestic deposits to total assets | 84.3304% | 3,148 |
| Equity capital to assets | 9.6115% | 4,657 |
| Core capital (leverage) ratio | 9.1566% | 4,651 |
| Tier 1 risk-based capital ratio | 16.9109% | 2,248 |
| Total risk-based capital ratio | 18.1239% | 2,223 |
| Memoranda: | ||
| Average total assets | $72,661,000 | 4,968 |
| Average earning assets | $66,574,000 | 4,964 |
| Average equity | $6,520,330 | 5,280 |
| Average total loans | $28,073,330 | 5,367 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3358% | 5,245 |
| Cost of funding earning assets | 0.1200% | 5,812 |
| Net interest margin | 3.2158% | 4,531 |
| Noninterest income to average assets | 1.4387% | 544 |
| Noninterest expense to average assets | 3.4650% | 1,247 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.8717% | 2,890 |
| Return on assets (ROA) | 0.9500% | 2,627 |
| Pretax return on assets | 0.9994% | 3,482 |
| Return on Equity (ROE) | 10.9737% | 1,608 |
| Retained earnings to average equity (ytd only) | 10.9737% | 656 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.0727% | 1,737 |
| Assets per employee ($millions) | 3.4133% | 4,946 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7057% | 1,355 |
| Loan loss allowance to noncurrent loans | 1,124.3902% | 524 |
| Noncurrent assets plus other real estate owned to assets | 0.0572% | 5,382 |
| Noncurrent loans to loans | 0.1517% | 4,869 |
| Net loans and leases to total assets | 37.0619% | 5,594 |
| Net loans and leases to deposits | 45.1787% | 5,550 |
| Net loans and leases to core deposits | 51.3879% | 5,391 |
| Total domestic deposits to total assets | 82.0340% | 4,210 |
| Equity capital to assets | 8.9648% | 5,203 |
| Core capital (leverage) ratio | 9.0929% | 4,742 |
| Tier 1 risk-based capital ratio | 16.6102% | 2,435 |
| Total risk-based capital ratio | 17.8203% | 2,402 |
| Memoranda: | ||
| Average total assets | $72,842,000 | 5,004 |
| Average earning assets | $66,671,000 | 5,006 |
| Average equity | $6,306,000 | 5,360 |
| Average total loans | $27,996,500 | 5,415 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4826% | 4,965 |
| Cost of funding earning assets | 0.1157% | 5,899 |
| Net interest margin | 3.3669% | 4,049 |
| Noninterest income to average assets | 1.4681% | 570 |
| Noninterest expense to average assets | 3.9254% | 737 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.5722% | 4,410 |
| Return on assets (ROA) | 0.4523% | 4,961 |
| Pretax return on assets | 0.4805% | 5,151 |
| Return on Equity (ROE) | 4.7653% | 4,623 |
| Retained earnings to average equity (ytd only) | -4.0154% | 5,876 |
| Net charge-offs to loans | -0.0106% | 5,121 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.5882% | 956 |
| Assets per employee ($millions) | 3.3638% | 5,044 |
| Cash dividends to net income (ytd only)* | 184.2623% | 112 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5915% | 1,640 |
| Loan loss allowance to noncurrent loans | 64.9296% | 4,520 |
| Noncurrent assets plus other real estate owned to assets | 0.9594% | 2,273 |
| Noncurrent loans to loans | 2.4511% | 762 |
| Net loans and leases to total assets | 38.5182% | 5,600 |
| Net loans and leases to deposits | 42.5156% | 5,694 |
| Net loans and leases to core deposits | 47.5495% | 5,583 |
| Total domestic deposits to total assets | 90.5978% | 407 |
| Equity capital to assets | 8.3590% | 5,660 |
| Core capital (leverage) ratio | 8.8431% | 5,062 |
| Tier 1 risk-based capital ratio | 15.6987% | 2,832 |
| Total risk-based capital ratio | 16.8735% | 2,808 |
| Memoranda: | ||
| Average total assets | $67,432,200 | 5,144 |
| Average earning assets | $61,391,200 | 5,151 |
| Average equity | $6,400,400 | 5,357 |
| Average total loans | $28,293,600 | 5,430 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5574% | 4,848 |
| Cost of funding earning assets | 0.1159% | 5,996 |
| Net interest margin | 3.4415% | 3,790 |
| Noninterest income to average assets | 1.6031% | 491 |
| Noninterest expense to average assets | 3.8283% | 825 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.8573% | 3,138 |
| Return on assets (ROA) | 0.7802% | 3,614 |
| Pretax return on assets | 0.8228% | 4,263 |
| Return on Equity (ROE) | 7.9535% | 3,096 |
| Retained earnings to average equity (ytd only) | 4.8134% | 3,039 |
| Net charge-offs to loans | -0.0142% | 5,091 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.8994% | 1,532 |
| Assets per employee ($millions) | 2.9832% | 5,566 |
| Cash dividends to net income (ytd only)* | 39.4802% | 2,326 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6700% | 1,553 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 41.3576% | 5,524 |
| Net loans and leases to deposits | 47.4835% | 5,595 |
| Net loans and leases to core deposits | 54.2134% | 5,391 |
| Total domestic deposits to total assets | 87.0989% | 1,982 |
| Equity capital to assets | 10.2118% | 3,915 |
| Core capital (leverage) ratio | 10.1748% | 3,409 |
| Tier 1 risk-based capital ratio | 17.8174% | 2,086 |
| Total risk-based capital ratio | 19.0520% | 2,056 |
| Memoranda: | ||
| Average total assets | $65,789,250 | 5,246 |
| Average earning assets | $59,818,000 | 5,257 |
| Average equity | $6,454,000 | 5,420 |
| Average total loans | $28,125,500 | 5,502 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5454% | 4,872 |
| Cost of funding earning assets | 0.1171% | 6,058 |
| Net interest margin | 3.4283% | 3,797 |
| Noninterest income to average assets | 1.4914% | 571 |
| Noninterest expense to average assets | 3.7939% | 872 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.7715% | 3,531 |
| Return on assets (ROA) | 0.6561% | 4,203 |
| Pretax return on assets | 0.6895% | 4,689 |
| Return on Equity (ROE) | 6.7804% | 3,741 |
| Retained earnings to average equity (ytd only) | 2.0090% | 4,694 |
| Net charge-offs to loans | -0.0212% | 5,192 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.3879% | 1,438 |
| Assets per employee ($millions) | 3.0224% | 5,570 |
| Cash dividends to net income (ytd only)* | 70.3704% | 1,188 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6851% | 1,639 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 40.4500% | 5,602 |
| Net loans and leases to deposits | 45.6654% | 5,697 |
| Net loans and leases to core deposits | 51.9158% | 5,539 |
| Total domestic deposits to total assets | 88.5791% | 1,370 |
| Equity capital to assets | 9.6027% | 4,529 |
| Core capital (leverage) ratio | 10.0784% | 3,493 |
| Tier 1 risk-based capital ratio | 17.3798% | 2,257 |
| Total risk-based capital ratio | 18.6156% | 2,223 |
| Memoranda: | ||
| Average total assets | $65,842,330 | 5,311 |
| Average earning assets | $59,796,000 | 5,310 |
| Average equity | $6,371,330 | 5,475 |
| Average total loans | $28,299,330 | 5,543 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6308% | 4,594 |
| Cost of funding earning assets | 0.1275% | 6,080 |
| Net interest margin | 3.5033% | 3,428 |
| Noninterest income to average assets | 1.4225% | 580 |
| Noninterest expense to average assets | 3.4983% | 1,316 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.0623% | 1,993 |
| Return on assets (ROA) | 1.0623% | 2,123 |
| Pretax return on assets | 1.1112% | 3,032 |
| Return on Equity (ROE) | 10.9357% | 1,651 |
| Retained earnings to average equity (ytd only) | 3.3938% | 3,942 |
| Net charge-offs to loans | -0.0278% | 5,206 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.8940% | 2,532 |
| Assets per employee ($millions) | 2.9282% | 5,754 |
| Cash dividends to net income (ytd only)* | 68.9655% | 1,211 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6705% | 1,815 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 42.0304% | 5,484 |
| Net loans and leases to deposits | 47.2522% | 5,607 |
| Net loans and leases to core deposits | 53.9244% | 5,373 |
| Total domestic deposits to total assets | 88.9491% | 1,304 |
| Equity capital to assets | 10.0357% | 4,110 |
| Core capital (leverage) ratio | 9.9931% | 3,610 |
| Tier 1 risk-based capital ratio | 17.4842% | 2,307 |
| Total risk-based capital ratio | 18.7331% | 2,266 |
| Memoranda: | ||
| Average total assets | $65,517,500 | 5,364 |
| Average earning assets | $59,601,500 | 5,365 |
| Average equity | $6,364,500 | 5,520 |
| Average total loans | $28,770,500 | 5,566 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7666% | 4,592 |
| Cost of funding earning assets | 0.1337% | 6,181 |
| Net interest margin | 3.6329% | 3,279 |
| Noninterest income to average assets | 1.6599% | 462 |
| Noninterest expense to average assets | 4.1236% | 665 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.8070% | 3,336 |
| Return on assets (ROA) | 0.7911% | 3,515 |
| Pretax return on assets | 0.7943% | 4,283 |
| Return on Equity (ROE) | 7.9672% | 3,152 |
| Retained earnings to average equity (ytd only) | 1.8042% | 4,910 |
| Net charge-offs to loans | -0.0719% | 6,028 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.5797% | 1,462 |
| Assets per employee ($millions) | 3.0280% | 5,664 |
| Cash dividends to net income (ytd only)* | 77.3547% | 990 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5264% | 2,358 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 44.3549% | 5,444 |
| Net loans and leases to deposits | 50.4792% | 5,562 |
| Net loans and leases to core deposits | 57.1597% | 5,298 |
| Total domestic deposits to total assets | 87.8676% | 1,839 |
| Equity capital to assets | 9.4033% | 4,839 |
| Core capital (leverage) ratio | 9.7561% | 3,895 |
| Tier 1 risk-based capital ratio | 15.7141% | 3,123 |
| Total risk-based capital ratio | 16.8512% | 3,112 |
| Memoranda: | ||
| Average total assets | $63,075,400 | 5,474 |
| Average earning assets | $56,841,000 | 5,496 |
| Average equity | $6,263,200 | 5,566 |
| Average total loans | $26,430,800 | 5,726 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7567% | 4,692 |
| Cost of funding earning assets | 0.1307% | 6,286 |
| Net interest margin | 3.6260% | 3,329 |
| Noninterest income to average assets | 1.6551% | 474 |
| Noninterest expense to average assets | 4.1377% | 651 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.7539% | 3,649 |
| Return on assets (ROA) | 0.7868% | 3,589 |
| Pretax return on assets | 0.8233% | 4,271 |
| Return on Equity (ROE) | 7.8129% | 3,308 |
| Retained earnings to average equity (ytd only) | 7.1317% | 1,748 |
| Net charge-offs to loans | 0.0209% | 4,108 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 92.0544% | 629 |
| Efficiency ratio | 83.9861% | 1,388 |
| Assets per employee ($millions) | 2.9861% | 5,738 |
| Cash dividends to net income (ytd only)* | 8.7203% | 3,605 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6066% | 2,284 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 42.4826% | 5,636 |
| Net loans and leases to deposits | 48.2574% | 5,751 |
| Net loans and leases to core deposits | 55.0755% | 5,499 |
| Total domestic deposits to total assets | 88.0334% | 1,747 |
| Equity capital to assets | 10.4723% | 3,600 |
| Core capital (leverage) ratio | 10.5327% | 3,011 |
| Tier 1 risk-based capital ratio | 17.5842% | 2,362 |
| Total risk-based capital ratio | 18.7518% | 2,357 |
| Memoranda: | ||
| Average total assets | $62,190,500 | 5,560 |
| Average earning assets | $56,111,250 | 5,577 |
| Average equity | $6,263,000 | 5,629 |
| Average total loans | $25,537,250 | 5,815 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7757% | 4,604 |
| Cost of funding earning assets | 0.1325% | 6,351 |
| Net interest margin | 3.6431% | 3,176 |
| Noninterest income to average assets | 1.5705% | 506 |
| Noninterest expense to average assets | 3.9182% | 837 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.8916% | 2,852 |
| Return on assets (ROA) | 0.9288% | 2,769 |
| Pretax return on assets | 0.9707% | 3,607 |
| Return on Equity (ROE) | 9.3481% | 2,439 |
| Retained earnings to average equity (ytd only) | 8.3094% | 1,208 |
| Net charge-offs to loans | 0.0240% | 3,721 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 96.3333% | 568 |
| Efficiency ratio | 80.7846% | 1,908 |
| Assets per employee ($millions) | 2.9873% | 5,765 |
| Cash dividends to net income (ytd only)* | 11.1111% | 3,437 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7240% | 2,061 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 39.5278% | 5,857 |
| Net loans and leases to deposits | 44.6198% | 5,949 |
| Net loans and leases to core deposits | 50.8709% | 5,743 |
| Total domestic deposits to total assets | 88.5881% | 1,589 |
| Equity capital to assets | 10.4076% | 3,551 |
| Core capital (leverage) ratio | 10.3415% | 3,148 |
| Tier 1 risk-based capital ratio | 18.2574% | 2,144 |
| Total risk-based capital ratio | 19.4788% | 2,120 |
| Memoranda: | ||
| Average total assets | $62,018,000 | 5,613 |
| Average earning assets | $55,831,330 | 5,630 |
| Average equity | $6,161,670 | 5,685 |
| Average total loans | $25,024,670 | 5,881 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7541% | 4,652 |
| Cost of funding earning assets | 0.1372% | 6,417 |
| Net interest margin | 3.6169% | 3,188 |
| Noninterest income to average assets | 1.3947% | 595 |
| Noninterest expense to average assets | 4.1842% | 611 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.4411% | 4,969 |
| Return on assets (ROA) | 0.4411% | 5,030 |
| Pretax return on assets | 0.4606% | 5,285 |
| Return on Equity (ROE) | 4.5500% | 4,766 |
| Retained earnings to average equity (ytd only) | 3.3456% | 4,121 |
| Net charge-offs to loans | 0.0321% | 2,947 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 35.5000% | 945 |
| Efficiency ratio | 90.0838% | 1,032 |
| Assets per employee ($millions) | 2.9681% | 5,893 |
| Cash dividends to net income (ytd only)* | 26.4706% | 2,386 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7689% | 2,132 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 38.9341% | 5,877 |
| Net loans and leases to deposits | 44.3965% | 5,958 |
| Net loans and leases to core deposits | 50.7317% | 5,712 |
| Total domestic deposits to total assets | 87.6963% | 2,405 |
| Equity capital to assets | 9.8121% | 4,090 |
| Core capital (leverage) ratio | 10.3073% | 3,168 |
| Tier 1 risk-based capital ratio | 17.8357% | 2,358 |
| Total risk-based capital ratio | 19.0737% | 2,342 |
| Memoranda: | ||
| Average total assets | $61,660,500 | 5,667 |
| Average earning assets | $55,406,500 | 5,685 |
| Average equity | $5,978,000 | 5,752 |
| Average total loans | $24,921,000 | 5,939 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7862% | 4,865 |
| Cost of funding earning assets | 0.2293% | 6,108 |
| Net interest margin | 3.5569% | 3,647 |
| Noninterest income to average assets | 1.2577% | 877 |
| Noninterest expense to average assets | 4.0921% | 783 |
| Loan and lease loss provision to assets | 0.0501% | 4,135 |
| Net operating income to assets | 0.2808% | 5,588 |
| Return on assets (ROA) | 0.1503% | 6,007 |
| Pretax return on assets | 0.1620% | 6,002 |
| Return on Equity (ROE) | 1.4900% | 5,985 |
| Retained earnings to average equity (ytd only) | -3.2283% | 6,281 |
| Net charge-offs to loans | 0.0221% | 4,991 |
| Credit loss provision to net charge-offs | 600.0000% | 389 |
| Earnings coverage of net charge-offs (x) | 42.2000% | 906 |
| Efficiency ratio | 92.0707% | 877 |
| Assets per employee ($millions) | 2.9043% | 5,984 |
| Cash dividends to net income (ytd only)* | 316.6667% | 30 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7464% | 2,249 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 40.4952% | 5,925 |
| Net loans and leases to deposits | 49.2119% | 5,820 |
| Net loans and leases to core deposits | 54.4273% | 5,644 |
| Total domestic deposits to total assets | 82.2873% | 4,769 |
| Equity capital to assets | 9.5753% | 4,319 |
| Core capital (leverage) ratio | 10.1117% | 3,413 |
| Tier 1 risk-based capital ratio | 17.3431% | 2,476 |
| Total risk-based capital ratio | 18.5619% | 2,462 |
| Memoranda: | ||
| Average total assets | $59,871,400 | 5,757 |
| Average earning assets | $53,642,200 | 5,779 |
| Average equity | $6,040,400 | 5,816 |
| Average total loans | $22,653,200 | 6,092 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6350% | 5,342 |
| Cost of funding earning assets | 0.2566% | 6,040 |
| Net interest margin | 3.3784% | 4,365 |
| Noninterest income to average assets | 1.5237% | 625 |
| Noninterest expense to average assets | 4.2958% | 636 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.2433% | 5,799 |
| Return on assets (ROA) | 0.1163% | 6,172 |
| Pretax return on assets | 0.1253% | 6,183 |
| Return on Equity (ROE) | 1.1383% | 6,152 |
| Retained earnings to average equity (ytd only) | -0.2845% | 5,998 |
| Net charge-offs to loans | -0.1271% | 6,557 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.2563% | 725 |
| Assets per employee ($millions) | 2.9438% | 5,935 |
| Cash dividends to net income (ytd only)* | 124.9964% | 213 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7438% | 2,478 |
| Loan loss allowance to noncurrent loans | 1,740.0000% | 299 |
| Noncurrent assets plus other real estate owned to assets | 0.0404% | 6,351 |
| Noncurrent loans to loans | 0.1002% | 6,034 |
| Net loans and leases to total assets | 39.6496% | 6,053 |
| Net loans and leases to deposits | 50.1504% | 5,825 |
| Net loans and leases to core deposits | 56.1355% | 5,613 |
| Total domestic deposits to total assets | 79.0615% | 5,733 |
| Equity capital to assets | 9.7430% | 4,249 |
| Core capital (leverage) ratio | 10.5711% | 2,925 |
| Tier 1 risk-based capital ratio | 17.8797% | 2,363 |
| Total risk-based capital ratio | 19.0895% | 2,349 |
| Memoranda: | ||
| Average total assets | $59,591,750 | 5,832 |
| Average earning assets | $53,515,500 | 5,838 |
| Average equity | $6,090,500 | 5,870 |
| Average total loans | $22,032,250 | 6,182 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6710% | 5,236 |
| Cost of funding earning assets | 0.3034% | 5,800 |
| Net interest margin | 3.3677% | 4,313 |
| Noninterest income to average assets | 1.4342% | 765 |
| Noninterest expense to average assets | 4.5778% | 489 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | -0.1257% | 6,433 |
| Return on assets (ROA) | -0.3331% | 6,600 |
| Pretax return on assets | -0.3331% | 6,570 |
| Return on Equity (ROE) | -3.2063% | 6,593 |
| Retained earnings to average equity (ytd only) | -4.6786% | 6,436 |
| Net charge-offs to loans | -0.2089% | 6,676 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.8244% | 404 |
| Assets per employee ($millions) | 2.7947% | 6,171 |
| Cash dividends to net income (ytd only)* | -45.9184% | 6,922 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9745% | 1,909 |
| Loan loss allowance to noncurrent loans | 1,744.0000% | 300 |
| Noncurrent assets plus other real estate owned to assets | 0.0426% | 6,378 |
| Noncurrent loans to loans | 0.1132% | 6,056 |
| Net loans and leases to total assets | 36.8815% | 6,241 |
| Net loans and leases to deposits | 44.8527% | 6,175 |
| Net loans and leases to core deposits | 50.5405% | 5,992 |
| Total domestic deposits to total assets | 82.2281% | 4,969 |
| Equity capital to assets | 10.0037% | 3,913 |
| Core capital (leverage) ratio | 11.1011% | 2,262 |
| Tier 1 risk-based capital ratio | 18.9740% | 2,002 |
| Total risk-based capital ratio | 20.2241% | 1,967 |
| Memoranda: | ||
| Average total assets | $58,849,330 | 5,883 |
| Average earning assets | $52,737,000 | 5,913 |
| Average equity | $6,113,000 | 5,896 |
| Average total loans | $21,061,000 | 6,248 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8211% | 4,756 |
| Cost of funding earning assets | 0.3722% | 5,343 |
| Net interest margin | 3.4489% | 3,914 |
| Noninterest income to average assets | 1.4390% | 737 |
| Noninterest expense to average assets | 4.2355% | 677 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.2647% | 5,682 |
| Return on assets (ROA) | 0.2647% | 5,803 |
| Pretax return on assets | 0.2851% | 5,887 |
| Return on Equity (ROE) | 2.5024% | 5,775 |
| Retained earnings to average equity (ytd only) | 0.8983% | 5,486 |
| Net charge-offs to loans | -0.4671% | 6,844 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.6937% | 853 |
| Assets per employee ($millions) | 2.7620% | 6,339 |
| Cash dividends to net income (ytd only)* | 64.1026% | 1,223 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1172% | 1,757 |
| Loan loss allowance to noncurrent loans | 1,752.0000% | 295 |
| Noncurrent assets plus other real estate owned to assets | 0.0431% | 6,474 |
| Noncurrent loans to loans | 0.1208% | 6,109 |
| Net loans and leases to total assets | 34.9120% | 6,366 |
| Net loans and leases to deposits | 41.3400% | 6,358 |
| Net loans and leases to core deposits | 46.4919% | 6,186 |
| Total domestic deposits to total assets | 84.4508% | 4,288 |
| Equity capital to assets | 10.6874% | 3,338 |
| Core capital (leverage) ratio | 10.8137% | 2,444 |
| Tier 1 risk-based capital ratio | 20.0031% | 1,770 |
| Total risk-based capital ratio | 21.2548% | 1,743 |
| Memoranda: | ||
| Average total assets | $58,930,000 | 5,932 |
| Average earning assets | $52,654,500 | 5,959 |
| Average equity | $6,234,000 | 5,926 |
| Average total loans | $20,551,000 | 6,329 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1248% | 4,857 |
| Cost of funding earning assets | 0.5409% | 4,896 |
| Net interest margin | 3.5838% | 4,166 |
| Noninterest income to average assets | 1.1352% | 1,212 |
| Noninterest expense to average assets | 3.7897% | 1,269 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.5195% | 4,603 |
| Return on assets (ROA) | 0.2697% | 5,789 |
| Pretax return on assets | 0.2834% | 5,848 |
| Return on Equity (ROE) | 2.6075% | 5,704 |
| Retained earnings to average equity (ytd only) | -2.8881% | 6,255 |
| Net charge-offs to loans | 0.0306% | 5,479 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 53.3333% | 653 |
| Efficiency ratio | 87.4016% | 1,293 |
| Assets per employee ($millions) | 2.8503% | 6,246 |
| Cash dividends to net income (ytd only)* | 210.7595% | 115 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0280% | 1,943 |
| Loan loss allowance to noncurrent loans | 1,656.0000% | 316 |
| Noncurrent assets plus other real estate owned to assets | 0.0418% | 6,538 |
| Noncurrent loans to loans | 0.1225% | 6,173 |
| Net loans and leases to total assets | 33.4130% | 6,572 |
| Net loans and leases to deposits | 40.3918% | 6,530 |
| Net loans and leases to core deposits | 45.3227% | 6,403 |
| Total domestic deposits to total assets | 82.7222% | 4,840 |
| Equity capital to assets | 10.4733% | 3,558 |
| Core capital (leverage) ratio | 10.5813% | 2,675 |
| Tier 1 risk-based capital ratio | 19.5455% | 1,803 |
| Total risk-based capital ratio | 20.7955% | 1,771 |
| Memoranda: | ||
| Average total assets | $58,579,800 | 5,955 |
| Average earning assets | $52,318,200 | 5,971 |
| Average equity | $6,059,400 | 6,007 |
| Average total loans | $19,635,200 | 6,444 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2255% | 4,726 |
| Cost of funding earning assets | 0.5646% | 4,961 |
| Net interest margin | 3.6609% | 3,964 |
| Noninterest income to average assets | 1.1168% | 1,205 |
| Noninterest expense to average assets | 3.8287% | 1,162 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.5416% | 4,654 |
| Return on assets (ROA) | 0.5264% | 4,997 |
| Pretax return on assets | 0.5515% | 5,295 |
| Return on Equity (ROE) | 5.1050% | 4,776 |
| Retained earnings to average equity (ytd only) | 2.7078% | 4,929 |
| Net charge-offs to loans | 0.0068% | 5,644 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 248.6165% | 186 |
| Efficiency ratio | 87.0901% | 1,296 |
| Assets per employee ($millions) | 2.7023% | 6,485 |
| Cash dividends to net income (ytd only)* | 46.9575% | 1,838 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9592% | 2,291 |
| Loan loss allowance to noncurrent loans | 1,676.0000% | 292 |
| Noncurrent assets plus other real estate owned to assets | 0.0441% | 6,648 |
| Noncurrent loans to loans | 0.1169% | 6,320 |
| Net loans and leases to total assets | 36.9476% | 6,487 |
| Net loans and leases to deposits | 45.3900% | 6,427 |
| Net loans and leases to core deposits | 51.3696% | 6,219 |
| Total domestic deposits to total assets | 81.4002% | 5,234 |
| Equity capital to assets | 11.4453% | 2,810 |
| Core capital (leverage) ratio | 11.5920% | 1,921 |
| Tier 1 risk-based capital ratio | 19.6696% | 1,836 |
| Total risk-based capital ratio | 20.8926% | 1,819 |
| Memoranda: | ||
| Average total assets | $58,260,500 | 6,032 |
| Average earning assets | $52,189,500 | 6,049 |
| Average equity | $6,007,000 | 6,090 |
| Average total loans | $19,440,500 | 6,534 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1988% | 4,959 |
| Cost of funding earning assets | 0.5912% | 4,975 |
| Net interest margin | 3.6077% | 4,221 |
| Noninterest income to average assets | 1.1606% | 1,055 |
| Noninterest expense to average assets | 3.8595% | 1,133 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.5161% | 4,739 |
| Return on assets (ROA) | 0.4935% | 5,097 |
| Pretax return on assets | 0.5173% | 5,393 |
| Return on Equity (ROE) | 4.9621% | 4,821 |
| Retained earnings to average equity (ytd only) | 2.3270% | 5,026 |
| Net charge-offs to loans | -0.0319% | 6,546 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.7030% | 1,262 |
| Assets per employee ($millions) | 2.7199% | 6,507 |
| Cash dividends to net income (ytd only)* | 53.1034% | 1,623 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0981% | 2,007 |
| Loan loss allowance to noncurrent loans | 156.6667% | 2,145 |
| Noncurrent assets plus other real estate owned to assets | 0.4727% | 5,585 |
| Noncurrent loans to loans | 1.3392% | 3,916 |
| Net loans and leases to total assets | 34.5565% | 6,694 |
| Net loans and leases to deposits | 43.2102% | 6,591 |
| Net loans and leases to core deposits | 48.9692% | 6,403 |
| Total domestic deposits to total assets | 79.9730% | 5,746 |
| Equity capital to assets | 10.6429% | 3,519 |
| Core capital (leverage) ratio | 10.8999% | 2,390 |
| Tier 1 risk-based capital ratio | 19.9743% | 1,707 |
| Total risk-based capital ratio | 21.2233% | 1,678 |
| Memoranda: | ||
| Average total assets | $58,764,670 | 6,054 |
| Average earning assets | $52,776,670 | 6,071 |
| Average equity | $5,844,330 | 6,160 |
| Average total loans | $18,792,000 | 6,610 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2472% | 4,939 |
| Cost of funding earning assets | 0.6206% | 4,961 |
| Net interest margin | 3.6266% | 4,145 |
| Noninterest income to average assets | 1.1345% | 1,092 |
| Noninterest expense to average assets | 3.7994% | 1,214 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.5663% | 4,512 |
| Return on assets (ROA) | 1.5909% | 980 |
| Pretax return on assets | 1.6581% | 1,412 |
| Return on Equity (ROE) | 16.5532% | 736 |
| Retained earnings to average equity (ytd only) | 12.8514% | 706 |
| Net charge-offs to loans | -0.1325% | 6,881 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.5443% | 1,426 |
| Assets per employee ($millions) | 2.7781% | 6,531 |
| Cash dividends to net income (ytd only)* | 22.3629% | 2,275 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3997% | 1,505 |
| Loan loss allowance to noncurrent loans | 153.2374% | 2,138 |
| Noncurrent assets plus other real estate owned to assets | 0.4765% | 5,669 |
| Noncurrent loans to loans | 1.5660% | 3,765 |
| Net loans and leases to total assets | 29.6978% | 6,921 |
| Net loans and leases to deposits | 36.7146% | 6,864 |
| Net loans and leases to core deposits | 41.4260% | 6,772 |
| Total domestic deposits to total assets | 80.8882% | 5,638 |
| Equity capital to assets | 10.1849% | 3,870 |
| Core capital (leverage) ratio | 10.7576% | 2,483 |
| Tier 1 risk-based capital ratio | 20.6945% | 1,546 |
| Total risk-based capital ratio | 21.9453% | 1,517 |
| Memoranda: | ||
| Average total assets | $59,588,000 | 6,078 |
| Average earning assets | $53,494,000 | 6,085 |
| Average equity | $5,727,000 | 6,218 |
| Average total loans | $18,107,500 | 6,703 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7804% | 3,902 |
| Cost of funding earning assets | 0.7477% | 5,229 |
| Net interest margin | 4.0327% | 2,720 |
| Noninterest income to average assets | 1.1162% | 1,064 |
| Noninterest expense to average assets | 3.8981% | 1,182 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.8049% | 3,015 |
| Return on assets (ROA) | 0.6369% | 3,998 |
| Pretax return on assets | 0.6439% | 4,538 |
| Return on Equity (ROE) | 6.2856% | 3,741 |
| Retained earnings to average equity (ytd only) | 1.0188% | 5,385 |
| Net charge-offs to loans | 0.2476% | 4,229 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 10.1087% | 1,882 |
| Efficiency ratio | 82.7330% | 1,921 |
| Assets per employee ($millions) | 2.8969% | 6,293 |
| Cash dividends to net income (ytd only)* | 83.7912% | 673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2748% | 1,667 |
| Loan loss allowance to noncurrent loans | 145.3287% | 2,189 |
| Noncurrent assets plus other real estate owned to assets | 0.4751% | 5,776 |
| Noncurrent loans to loans | 1.5653% | 3,813 |
| Net loans and leases to total assets | 29.6589% | 7,022 |
| Net loans and leases to deposits | 35.8508% | 7,006 |
| Net loans and leases to core deposits | 41.8757% | 6,889 |
| Total domestic deposits to total assets | 82.7287% | 4,867 |
| Equity capital to assets | 9.0606% | 5,479 |
| Core capital (leverage) ratio | 10.9055% | 2,345 |
| Tier 1 risk-based capital ratio | 19.1975% | 1,843 |
| Total risk-based capital ratio | 20.4160% | 1,817 |
| Memoranda: | ||
| Average total assets | $57,155,800 | 6,136 |
| Average earning assets | $50,957,800 | 6,161 |
| Average equity | $5,791,000 | 6,207 |
| Average total loans | $18,577,800 | 6,730 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8488% | 3,790 |
| Cost of funding earning assets | 0.7891% | 5,220 |
| Net interest margin | 4.0597% | 2,648 |
| Noninterest income to average assets | 1.1072% | 1,089 |
| Noninterest expense to average assets | 3.9499% | 1,073 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.7449% | 3,409 |
| Return on assets (ROA) | 0.8132% | 3,256 |
| Pretax return on assets | 0.8511% | 3,946 |
| Return on Equity (ROE) | 7.8031% | 3,134 |
| Retained earnings to average equity (ytd only) | 5.9832% | 2,565 |
| Net charge-offs to loans | 0.3225% | 3,489 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 7.3110% | 2,382 |
| Efficiency ratio | 83.5088% | 1,784 |
| Assets per employee ($millions) | 2.8401% | 6,422 |
| Cash dividends to net income (ytd only)* | 23.3228% | 2,788 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2636% | 1,749 |
| Loan loss allowance to noncurrent loans | 43.3128% | 5,420 |
| Noncurrent assets plus other real estate owned to assets | 1.7112% | 3,527 |
| Noncurrent loans to loans | 5.2261% | 1,169 |
| Net loans and leases to total assets | 32.0024% | 7,028 |
| Net loans and leases to deposits | 39.7142% | 6,982 |
| Net loans and leases to core deposits | 47.1776% | 6,796 |
| Total domestic deposits to total assets | 80.5817% | 5,577 |
| Equity capital to assets | 10.2778% | 3,988 |
| Core capital (leverage) ratio | 12.0487% | 1,679 |
| Tier 1 risk-based capital ratio | 19.9707% | 1,693 |
| Total risk-based capital ratio | 21.2033% | 1,670 |
| Memoranda: | ||
| Average total assets | $56,236,000 | 6,204 |
| Average earning assets | $50,182,500 | 6,235 |
| Average equity | $5,860,750 | 6,235 |
| Average total loans | $18,606,500 | 6,793 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9084% | 3,583 |
| Cost of funding earning assets | 0.8294% | 5,195 |
| Net interest margin | 4.0790% | 2,497 |
| Noninterest income to average assets | 1.1240% | 1,022 |
| Noninterest expense to average assets | 3.8432% | 1,286 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.8754% | 2,745 |
| Return on assets (ROA) | 0.8172% | 3,119 |
| Pretax return on assets | 0.8529% | 3,824 |
| Return on Equity (ROE) | 7.8046% | 3,038 |
| Retained earnings to average equity (ytd only) | 6.1005% | 2,360 |
| Net charge-offs to loans | 0.4299% | 2,850 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 6.4000% | 2,400 |
| Efficiency ratio | 80.7952% | 2,263 |
| Assets per employee ($millions) | 2.6292% | 6,747 |
| Cash dividends to net income (ytd only)* | 21.8341% | 2,785 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3536% | 1,659 |
| Loan loss allowance to noncurrent loans | 42.7711% | 5,470 |
| Noncurrent assets plus other real estate owned to assets | 1.8039% | 3,503 |
| Noncurrent loans to loans | 5.5028% | 1,148 |
| Net loans and leases to total assets | 32.0100% | 7,113 |
| Net loans and leases to deposits | 40.4486% | 7,048 |
| Net loans and leases to core deposits | 48.2106% | 6,846 |
| Total domestic deposits to total assets | 79.1375% | 6,053 |
| Equity capital to assets | 10.9121% | 3,049 |
| Core capital (leverage) ratio | 11.5655% | 1,868 |
| Tier 1 risk-based capital ratio | 19.7155% | 1,667 |
| Total risk-based capital ratio | 20.9622% | 1,644 |
| Memoranda: | ||
| Average total assets | $56,047,330 | 6,260 |
| Average earning assets | $49,914,330 | 6,298 |
| Average equity | $5,868,330 | 6,269 |
| Average total loans | $18,609,000 | 6,854 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8564% | 3,787 |
| Cost of funding earning assets | 0.8678% | 5,155 |
| Net interest margin | 3.9887% | 2,732 |
| Noninterest income to average assets | 1.2043% | 878 |
| Noninterest expense to average assets | 3.8184% | 1,306 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.8930% | 2,598 |
| Return on assets (ROA) | 0.8997% | 2,622 |
| Pretax return on assets | 0.9422% | 3,350 |
| Return on Equity (ROE) | 8.7737% | 2,573 |
| Retained earnings to average equity (ytd only) | 7.0466% | 2,125 |
| Net charge-offs to loans | 0.6574% | 1,892 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 4.2581% | 2,531 |
| Efficiency ratio | 80.3279% | 2,471 |
| Assets per employee ($millions) | 2.7024% | 6,690 |
| Cash dividends to net income (ytd only)* | 19.6850% | 2,213 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4086% | 1,595 |
| Loan loss allowance to noncurrent loans | 38.7701% | 5,716 |
| Noncurrent assets plus other real estate owned to assets | 1.9771% | 3,346 |
| Noncurrent loans to loans | 6.2126% | 997 |
| Net loans and leases to total assets | 31.0567% | 7,204 |
| Net loans and leases to deposits | 39.4551% | 7,122 |
| Net loans and leases to core deposits | 46.8227% | 6,934 |
| Total domestic deposits to total assets | 78.7140% | 6,255 |
| Equity capital to assets | 10.3364% | 3,362 |
| Core capital (leverage) ratio | 11.8242% | 1,661 |
| Tier 1 risk-based capital ratio | 19.7790% | 1,633 |
| Total risk-based capital ratio | 21.0293% | 1,608 |
| Memoranda: | ||
| Average total assets | $56,464,000 | 6,296 |
| Average earning assets | $50,242,500 | 6,336 |
| Average equity | $5,790,000 | 6,310 |
| Average total loans | $18,863,500 | 6,893 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9035% | 5,016 |
| Cost of funding earning assets | 1.3905% | 3,336 |
| Net interest margin | 3.5130% | 5,196 |
| Noninterest income to average assets | 1.1952% | 1,047 |
| Noninterest expense to average assets | 3.7265% | 1,639 |
| Loan and lease loss provision to assets | 0.3353% | 4,139 |
| Net operating income to assets | 0.2595% | 5,081 |
| Return on assets (ROA) | -0.7661% | 6,583 |
| Pretax return on assets | -0.7728% | 6,507 |
| Return on Equity (ROE) | -8.6370% | 6,656 |
| Retained earnings to average equity (ytd only) | -9.1284% | 6,602 |
| Net charge-offs to loans | 0.7404% | 2,807 |
| Credit loss provision to net charge-offs | 140.8451% | 2,677 |
| Earnings coverage of net charge-offs (x) | 2.5141% | 3,855 |
| Efficiency ratio | 86.1628% | 1,680 |
| Assets per employee ($millions) | 2.6751% | 6,731 |
| Cash dividends to net income (ytd only)* | -5.6893% | 7,466 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3695% | 1,593 |
| Loan loss allowance to noncurrent loans | 40.6632% | 5,598 |
| Noncurrent assets plus other real estate owned to assets | 2.0400% | 3,297 |
| Noncurrent loans to loans | 5.8270% | 1,091 |
| Net loans and leases to total assets | 34.1795% | 7,222 |
| Net loans and leases to deposits | 47.1537% | 6,989 |
| Net loans and leases to core deposits | 54.5405% | 6,780 |
| Total domestic deposits to total assets | 72.4852% | 7,041 |
| Equity capital to assets | 10.1714% | 3,530 |
| Core capital (leverage) ratio | 10.4796% | 2,583 |
| Tier 1 risk-based capital ratio | 18.2710% | 1,918 |
| Total risk-based capital ratio | 19.5219% | 1,875 |
| Memoranda: | ||
| Average total assets | $59,654,200 | 6,216 |
| Average earning assets | $53,145,600 | 6,247 |
| Average equity | $5,291,200 | 6,568 |
| Average total loans | $19,178,600 | 6,968 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8761% | 5,379 |
| Cost of funding earning assets | 1.3808% | 3,698 |
| Net interest margin | 3.4953% | 5,312 |
| Noninterest income to average assets | 1.1610% | 1,037 |
| Noninterest expense to average assets | 3.7054% | 1,552 |
| Loan and lease loss provision to assets | 0.4406% | 3,273 |
| Net operating income to assets | 0.1271% | 5,702 |
| Return on assets (ROA) | -0.7688% | 6,811 |
| Pretax return on assets | -0.7820% | 6,727 |
| Return on Equity (ROE) | -8.9735% | 6,881 |
| Retained earnings to average equity (ytd only) | -9.6421% | 6,861 |
| Net charge-offs to loans | 0.8186% | 2,407 |
| Credit loss provision to net charge-offs | 170.9402% | 2,170 |
| Earnings coverage of net charge-offs (x) | 2.2222% | 4,063 |
| Efficiency ratio | 86.6117% | 1,565 |
| Assets per employee ($millions) | 2.8020% | 6,580 |
| Cash dividends to net income (ytd only)* | -7.4508% | 7,615 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4660% | 1,378 |
| Loan loss allowance to noncurrent loans | 33.4241% | 6,098 |
| Noncurrent assets plus other real estate owned to assets | 2.4965% | 2,877 |
| Noncurrent loans to loans | 7.3778% | 735 |
| Net loans and leases to total assets | 33.0036% | 7,375 |
| Net loans and leases to deposits | 46.4327% | 7,157 |
| Net loans and leases to core deposits | 60.7179% | 6,562 |
| Total domestic deposits to total assets | 71.0785% | 7,208 |
| Equity capital to assets | 9.5051% | 4,832 |
| Core capital (leverage) ratio | 11.0311% | 2,234 |
| Tier 1 risk-based capital ratio | 18.2861% | 1,937 |
| Total risk-based capital ratio | 19.5370% | 1,897 |
| Memoranda: | ||
| Average total assets | $60,523,500 | 6,248 |
| Average earning assets | $53,976,250 | 6,279 |
| Average equity | $5,185,500 | 6,680 |
| Average total loans | $19,056,500 | 7,069 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7165% | 6,088 |
| Cost of funding earning assets | 1.3607% | 4,115 |
| Net interest margin | 3.3558% | 5,815 |
| Noninterest income to average assets | 1.1722% | 937 |
| Noninterest expense to average assets | 3.7653% | 1,426 |
| Loan and lease loss provision to assets | 0.6548% | 2,197 |
| Net operating income to assets | -0.2408% | 6,402 |
| Return on assets (ROA) | -1.4537% | 7,147 |
| Pretax return on assets | -1.4898% | 7,073 |
| Return on Equity (ROE) | -17.5853% | 7,218 |
| Retained earnings to average equity (ytd only) | -18.6151% | 7,219 |
| Net charge-offs to loans | 0.1598% | 4,666 |
| Credit loss provision to net charge-offs | 1,333.3333% | 296 |
| Earnings coverage of net charge-offs (x) | 8.2000% | 2,171 |
| Efficiency ratio | 90.3378% | 1,308 |
| Assets per employee ($millions) | 2.8588% | 6,435 |
| Cash dividends to net income (ytd only)* | -5.8559% | 7,697 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9690% | 845 |
| Loan loss allowance to noncurrent loans | 25.6045% | 6,635 |
| Noncurrent assets plus other real estate owned to assets | 3.8578% | 1,798 |
| Noncurrent loans to loans | 11.5957% | 315 |
| Net loans and leases to total assets | 32.2817% | 7,476 |
| Net loans and leases to deposits | 44.4169% | 7,309 |
| Net loans and leases to core deposits | 57.3034% | 6,871 |
| Total domestic deposits to total assets | 72.6788% | 7,123 |
| Equity capital to assets | 8.7134% | 5,867 |
| Core capital (leverage) ratio | 10.6931% | 2,469 |
| Tier 1 risk-based capital ratio | 17.9918% | 1,964 |
| Total risk-based capital ratio | 19.2463% | 1,929 |
| Memoranda: | ||
| Average total assets | $61,084,000 | 6,263 |
| Average earning assets | $54,532,000 | 6,306 |
| Average equity | $5,049,670 | 6,764 |
| Average total loans | $18,771,670 | 7,138 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7735% | 5,991 |
| Cost of funding earning assets | 1.3503% | 4,494 |
| Net interest margin | 3.4232% | 5,488 |
| Noninterest income to average assets | 1.3180% | 694 |
| Noninterest expense to average assets | 3.9280% | 1,131 |
| Loan and lease loss provision to assets | 1.2985% | 933 |
| Net operating income to assets | -0.8635% | 7,046 |
| Return on assets (ROA) | -1.0843% | 7,173 |
| Pretax return on assets | -1.0843% | 7,091 |
| Return on Equity (ROE) | -13.4705% | 7,271 |
| Retained earnings to average equity (ytd only) | -15.5677% | 7,234 |
| Net charge-offs to loans | 0.2421% | 3,491 |
| Credit loss provision to net charge-offs | 1,818.1818% | 279 |
| Earnings coverage of net charge-offs (x) | 6.0909% | 2,282 |
| Efficiency ratio | 90.0298% | 1,435 |
| Assets per employee ($millions) | 2.6563% | 6,946 |
| Cash dividends to net income (ytd only)* | -15.5689% | 7,844 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3291% | 622 |
| Loan loss allowance to noncurrent loans | 22.1604% | 6,902 |
| Noncurrent assets plus other real estate owned to assets | 4.6100% | 1,458 |
| Noncurrent loans to loans | 15.0226% | 180 |
| Net loans and leases to total assets | 29.6656% | 7,632 |
| Net loans and leases to deposits | 40.9534% | 7,487 |
| Net loans and leases to core deposits | 53.2956% | 7,144 |
| Total domestic deposits to total assets | 72.4375% | 7,225 |
| Equity capital to assets | 8.3696% | 6,195 |
| Core capital (leverage) ratio | 11.0807% | 2,177 |
| Tier 1 risk-based capital ratio | 18.9975% | 1,723 |
| Total risk-based capital ratio | 20.2534% | 1,687 |
| Memoranda: | ||
| Average total assets | $61,609,000 | 6,321 |
| Average earning assets | $54,803,000 | 6,365 |
| Average equity | $4,959,000 | 6,857 |
| Average total loans | $18,171,000 | 7,255 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3004% | 5,170 |
| Cost of funding earning assets | 1.7563% | 4,219 |
| Net interest margin | 3.5442% | 4,765 |
| Noninterest income to average assets | 0.8892% | 1,985 |
| Noninterest expense to average assets | 3.4744% | 2,439 |
| Loan and lease loss provision to assets | 0.4117% | 4,341 |
| Net operating income to assets | 0.1788% | 4,968 |
| Return on assets (ROA) | 0.3862% | 4,284 |
| Pretax return on assets | 0.4161% | 4,449 |
| Return on Equity (ROE) | 5.9090% | 3,247 |
| Retained earnings to average equity (ytd only) | -0.7329% | 5,183 |
| Net charge-offs to loans | 2.3970% | 953 |
| Credit loss provision to net charge-offs | 56.1224% | 6,679 |
| Earnings coverage of net charge-offs (x) | 0.8245% | 5,289 |
| Efficiency ratio | 85.1743% | 2,200 |
| Assets per employee ($millions) | 2.9445% | 6,357 |
| Cash dividends to net income (ytd only)* | 112.4031% | 472 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2163% | 1,619 |
| Loan loss allowance to noncurrent loans | 13.9249% | 7,288 |
| Noncurrent assets plus other real estate owned to assets | 4.8456% | 1,289 |
| Noncurrent loans to loans | 15.9161% | 150 |
| Net loans and leases to total assets | 27.7879% | 7,753 |
| Net loans and leases to deposits | 37.0444% | 7,701 |
| Net loans and leases to core deposits | 38.6661% | 7,781 |
| Total domestic deposits to total assets | 75.0123% | 6,865 |
| Equity capital to assets | 7.7601% | 6,807 |
| Core capital (leverage) ratio | 10.8619% | 2,309 |
| Tier 1 risk-based capital ratio | 18.8379% | 1,691 |
| Total risk-based capital ratio | 19.9324% | 1,683 |
| Memoranda: | ||
| Average total assets | $66,803,000 | 6,117 |
| Average earning assets | $60,127,200 | 6,120 |
| Average equity | $4,366,200 | 7,155 |
| Average total loans | $20,442,600 | 7,166 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5141% | 4,346 |
| Cost of funding earning assets | 1.9140% | 3,801 |
| Net interest margin | 3.6000% | 4,483 |
| Noninterest income to average assets | 0.9350% | 1,837 |
| Noninterest expense to average assets | 3.4130% | 2,538 |
| Loan and lease loss provision to assets | 0.3962% | 3,938 |
| Net operating income to assets | 0.3561% | 4,566 |
| Return on assets (ROA) | 0.4417% | 4,333 |
| Pretax return on assets | 0.4695% | 4,619 |
| Return on Equity (ROE) | 7.0776% | 3,038 |
| Retained earnings to average equity (ytd only) | 4.2211% | 2,913 |
| Net charge-offs to loans | 2.3355% | 799 |
| Credit loss provision to net charge-offs | 54.4959% | 6,251 |
| Earnings coverage of net charge-offs (x) | 1.0654% | 4,992 |
| Efficiency ratio | 81.5043% | 2,645 |
| Assets per employee ($millions) | 2.8590% | 6,508 |
| Cash dividends to net income (ytd only)* | 40.3592% | 2,426 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3033% | 1,292 |
| Loan loss allowance to noncurrent loans | 36.1045% | 5,997 |
| Noncurrent assets plus other real estate owned to assets | 2.3403% | 2,941 |
| Noncurrent loans to loans | 6.3794% | 910 |
| Net loans and leases to total assets | 30.7509% | 7,788 |
| Net loans and leases to deposits | 42.0899% | 7,673 |
| Net loans and leases to core deposits | 44.1679% | 7,797 |
| Total domestic deposits to total assets | 73.0600% | 7,079 |
| Equity capital to assets | 8.6345% | 6,064 |
| Core capital (leverage) ratio | 11.1798% | 2,273 |
| Tier 1 risk-based capital ratio | 18.8330% | 1,786 |
| Total risk-based capital ratio | 20.0294% | 1,759 |
| Memoranda: | ||
| Average total assets | $67,308,750 | 6,135 |
| Average earning assets | $60,812,750 | 6,147 |
| Average equity | $4,201,000 | 7,281 |
| Average total loans | $20,951,000 | 7,204 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6145% | 3,998 |
| Cost of funding earning assets | 2.1693% | 2,939 |
| Net interest margin | 3.4452% | 5,003 |
| Noninterest income to average assets | 0.9654% | 1,711 |
| Noninterest expense to average assets | 3.4255% | 2,552 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.6271% | 3,559 |
| Return on assets (ROA) | 0.8811% | 2,640 |
| Pretax return on assets | 0.9218% | 3,268 |
| Return on Equity (ROE) | 15.9852% | 698 |
| Retained earnings to average equity (ytd only) | 15.9852% | 160 |
| Net charge-offs to loans | 0.1969% | 4,302 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 10.7619% | 1,963 |
| Efficiency ratio | 83.9031% | 2,485 |
| Assets per employee ($millions) | 2.6455% | 6,965 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9767% | 579 |
| Loan loss allowance to noncurrent loans | 40.8690% | 5,647 |
| Noncurrent assets plus other real estate owned to assets | 2.8794% | 2,223 |
| Noncurrent loans to loans | 7.2834% | 654 |
| Net loans and leases to total assets | 32.2486% | 7,828 |
| Net loans and leases to deposits | 43.4432% | 7,718 |
| Net loans and leases to core deposits | 45.7261% | 7,838 |
| Total domestic deposits to total assets | 74.2317% | 6,920 |
| Equity capital to assets | 6.6578% | 7,765 |
| Core capital (leverage) ratio | 10.4099% | 2,894 |
| Tier 1 risk-based capital ratio | 18.4186% | 1,893 |
| Total risk-based capital ratio | 19.6708% | 1,848 |
| Memoranda: | ||
| Average total assets | $68,778,670 | 6,119 |
| Average earning assets | $62,231,330 | 6,138 |
| Average equity | $3,791,000 | 7,477 |
| Average total loans | $21,335,330 | 7,252 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4538% | 5,159 |
| Cost of funding earning assets | 1.8380% | 4,928 |
| Net interest margin | 3.6158% | 4,252 |
| Noninterest income to average assets | 0.8248% | 2,202 |
| Noninterest expense to average assets | 3.3927% | 2,380 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.6983% | 3,566 |
| Return on assets (ROA) | 0.6983% | 3,756 |
| Pretax return on assets | 0.7313% | 4,318 |
| Return on Equity (ROE) | 13.8760% | 1,189 |
| Retained earnings to average equity (ytd only) | 13.8760% | 525 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.2667% | 2,500 |
| Assets per employee ($millions) | 3.1153% | 5,854 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9209% | 517 |
| Loan loss allowance to noncurrent loans | 44.1531% | 5,580 |
| Noncurrent assets plus other real estate owned to assets | 1.9693% | 2,951 |
| Noncurrent loans to loans | 6.6154% | 648 |
| Net loans and leases to total assets | 28.8984% | 7,940 |
| Net loans and leases to deposits | 41.1724% | 7,806 |
| Net loans and leases to core deposits | 42.9817% | 7,925 |
| Total domestic deposits to total assets | 70.1888% | 7,411 |
| Equity capital to assets | 5.6077% | 8,056 |
| Core capital (leverage) ratio | 9.4751% | 4,014 |
| Tier 1 risk-based capital ratio | 17.1356% | 2,298 |
| Total risk-based capital ratio | 18.3880% | 2,239 |
| Memoranda: | ||
| Average total assets | $72,745,000 | 6,039 |
| Average earning assets | $66,375,500 | 6,028 |
| Average equity | $3,661,000 | 7,570 |
| Average total loans | $21,891,000 | 7,253 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4094% | 3,365 |
| Cost of funding earning assets | 2.2338% | 5,443 |
| Net interest margin | 4.1756% | 2,411 |
| Noninterest income to average assets | 0.8495% | 2,236 |
| Noninterest expense to average assets | 3.5011% | 2,395 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.1010% | 2,144 |
| Return on assets (ROA) | 1.2475% | 1,577 |
| Pretax return on assets | 1.2926% | 2,335 |
| Return on Equity (ROE) | 18.9269% | 455 |
| Retained earnings to average equity (ytd only) | 12.5037% | 194 |
| Net charge-offs to loans | 0.0210% | 6,567 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 161.8000% | 287 |
| Efficiency ratio | 75.4103% | 3,339 |
| Assets per employee ($millions) | 3.2104% | 5,456 |
| Cash dividends to net income (ytd only)* | 33.9367% | 3,946 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7747% | 526 |
| Loan loss allowance to noncurrent loans | 51.5302% | 5,421 |
| Noncurrent assets plus other real estate owned to assets | 1.6373% | 2,972 |
| Noncurrent loans to loans | 5.3846% | 775 |
| Net loans and leases to total assets | 29.5643% | 7,997 |
| Net loans and leases to deposits | 41.1949% | 7,920 |
| Net loans and leases to core deposits | 44.5447% | 7,989 |
| Total domestic deposits to total assets | 71.7670% | 7,042 |
| Equity capital to assets | 4.4746% | 8,231 |
| Core capital (leverage) ratio | 9.5489% | 3,947 |
| Tier 1 risk-based capital ratio | 16.1575% | 2,604 |
| Total risk-based capital ratio | 17.4098% | 2,538 |
| Memoranda: | ||
| Average total assets | $70,864,400 | 6,004 |
| Average earning assets | $64,374,600 | 6,010 |
| Average equity | $4,670,600 | 7,267 |
| Average total loans | $23,861,200 | 7,081 |