Home > Farmers and Merchants Bank of Mound City, Kansas > Performance and Condition Ratios
Farmers and Merchants Bank of Mound City, Kansas, 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 | 5.7637% | 1,555 |
| Cost of funding earning assets | 1.9163% | 2,162 |
| Net interest margin | 3.8474% | 1,581 |
| Noninterest income to average assets | 0.1300% | 3,988 |
| Noninterest expense to average assets | 2.6607% | 1,867 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | 1.0993% | 2,010 |
| Return on assets (ROA) | 1.0993% | 2,005 |
| Pretax return on assets | 1.1343% | 2,410 |
| Return on Equity (ROE) | 17.2600% | 723 |
| Retained earnings to average equity (ytd only) | 4.1764% | 2,811 |
| Net charge-offs to loans | 0.0000% | 2,326 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 70.1107% | 1,796 |
| Assets per employee ($millions) | 8.1860% | 1,464 |
| Cash dividends to net income (ytd only)* | 75.7962% | 714 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1968% | 2,201 |
| Loan loss allowance to noncurrent loans | 158.8028% | 2,426 |
| Noncurrent assets plus other real estate owned to assets | 0.4956% | 1,494 |
| Noncurrent loans to loans | 0.7536% | 1,369 |
| Net loans and leases to total assets | 64.9800% | 2,393 |
| Net loans and leases to deposits | 71.0364% | 2,795 |
| Net loans and leases to core deposits | 90.1024% | 2,045 |
| Total domestic deposits to total assets | 91.4700% | 404 |
| Equity capital to assets | 6.4064% | 4,181 |
| Core capital (leverage) ratio | 6.2547% | 4,418 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4048% | 2,076 |
| Memoranda: | ||
| Average total assets | $57,128,500 | 4,152 |
| Average earning assets | $54,479,000 | 4,119 |
| Average equity | $3,639,500 | 4,314 |
| Average total loans | $37,877,500 | 3,981 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6507% | 1,842 |
| Cost of funding earning assets | 1.8873% | 2,498 |
| Net interest margin | 3.7634% | 1,569 |
| Noninterest income to average assets | 0.2100% | 3,644 |
| Noninterest expense to average assets | 2.7895% | 1,523 |
| Loan and lease loss provision to assets | 0.0100% | 2,986 |
| Net operating income to assets | 0.9717% | 2,151 |
| Return on assets (ROA) | 0.9717% | 2,145 |
| Pretax return on assets | 1.0183% | 2,483 |
| Return on Equity (ROE) | 15.6200% | 839 |
| Retained earnings to average equity (ytd only) | 4.7844% | 2,321 |
| Net charge-offs to loans | 0.0135% | 2,418 |
| Credit loss provision to net charge-offs | 100.0000% | 1,885 |
| Earnings coverage of net charge-offs (x) | 114.6000% | 741 |
| Efficiency ratio | 73.0860% | 1,655 |
| Assets per employee ($millions) | 8.1364% | 1,458 |
| Cash dividends to net income (ytd only)* | 69.3727% | 841 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1846% | 2,249 |
| Loan loss allowance to noncurrent loans | 2,505.5556% | 380 |
| Noncurrent assets plus other real estate owned to assets | 0.0316% | 3,457 |
| Noncurrent loans to loans | 0.0473% | 3,412 |
| Net loans and leases to total assets | 66.0500% | 2,353 |
| Net loans and leases to deposits | 72.2115% | 2,781 |
| Net loans and leases to core deposits | 91.6979% | 1,988 |
| Total domestic deposits to total assets | 91.4700% | 405 |
| Equity capital to assets | 6.3348% | 4,131 |
| Core capital (leverage) ratio | 6.4320% | 4,439 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8161% | 2,288 |
| Memoranda: | ||
| Average total assets | $55,781,000 | 4,174 |
| Average earning assets | $53,409,200 | 4,142 |
| Average equity | $3,469,600 | 4,338 |
| Average total loans | $37,020,400 | 4,000 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6041% | 1,894 |
| Cost of funding earning assets | 1.8655% | 2,560 |
| Net interest margin | 3.7386% | 1,570 |
| Noninterest income to average assets | 0.1600% | 3,942 |
| Noninterest expense to average assets | 2.7056% | 1,662 |
| Loan and lease loss provision to assets | 0.0000% | 3,009 |
| Net operating income to assets | 0.9924% | 2,081 |
| Return on assets (ROA) | 0.9924% | 2,088 |
| Pretax return on assets | 1.0429% | 2,401 |
| Return on Equity (ROE) | 16.0300% | 819 |
| Retained earnings to average equity (ytd only) | 4.5414% | 2,644 |
| Net charge-offs to loans | 0.0000% | 2,849 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 72.1795% | 1,768 |
| Assets per employee ($millions) | 7.8767% | 1,595 |
| Cash dividends to net income (ytd only)* | 71.6707% | 648 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2046% | 2,188 |
| Loan loss allowance to noncurrent loans | 1,960.8696% | 434 |
| Noncurrent assets plus other real estate owned to assets | 0.0417% | 3,442 |
| Noncurrent loans to loans | 0.0614% | 3,396 |
| Net loans and leases to total assets | 67.0900% | 2,195 |
| Net loans and leases to deposits | 73.4886% | 2,710 |
| Net loans and leases to core deposits | 91.8434% | 2,018 |
| Total domestic deposits to total assets | 91.2900% | 296 |
| Equity capital to assets | 6.5056% | 4,239 |
| Core capital (leverage) ratio | 6.4727% | 4,473 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2119% | 2,177 |
| Memoranda: | ||
| Average total assets | $55,487,500 | 4,199 |
| Average earning assets | $53,316,750 | 4,167 |
| Average equity | $3,435,000 | 4,363 |
| Average total loans | $36,757,750 | 4,019 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5520% | 1,879 |
| Cost of funding earning assets | 1.8382% | 2,530 |
| Net interest margin | 3.7139% | 1,572 |
| Noninterest income to average assets | 0.1500% | 3,984 |
| Noninterest expense to average assets | 2.6725% | 1,753 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 0.9855% | 2,044 |
| Return on assets (ROA) | 0.9855% | 2,043 |
| Pretax return on assets | 1.0431% | 2,354 |
| Return on Equity (ROE) | 16.1900% | 812 |
| Retained earnings to average equity (ytd only) | 3.5458% | 2,871 |
| Net charge-offs to loans | 0.0000% | 2,619 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 71.9264% | 1,869 |
| Assets per employee ($millions) | 7.9841% | 1,465 |
| Cash dividends to net income (ytd only)* | 78.1022% | 678 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2171% | 2,158 |
| Loan loss allowance to noncurrent loans | 1,326.4706% | 625 |
| Noncurrent assets plus other real estate owned to assets | 0.0608% | 3,248 |
| Noncurrent loans to loans | 0.0918% | 3,192 |
| Net loans and leases to total assets | 65.4900% | 2,401 |
| Net loans and leases to deposits | 71.4197% | 2,881 |
| Net loans and leases to core deposits | 89.9472% | 2,148 |
| Total domestic deposits to total assets | 91.7000% | 315 |
| Equity capital to assets | 6.1568% | 4,181 |
| Core capital (leverage) ratio | 6.2168% | 4,496 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1072% | 2,214 |
| Memoranda: | ||
| Average total assets | $55,604,333 | 4,220 |
| Average earning assets | $53,313,667 | 4,183 |
| Average equity | $3,384,333 | 4,381 |
| Average total loans | $36,530,333 | 4,038 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4810% | 1,851 |
| Cost of funding earning assets | 1.8119% | 2,475 |
| Net interest margin | 3.6691% | 1,598 |
| Noninterest income to average assets | 0.1500% | 3,964 |
| Noninterest expense to average assets | 2.6685% | 1,769 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 0.9087% | 2,213 |
| Return on assets (ROA) | 0.9087% | 2,226 |
| Pretax return on assets | 0.9881% | 2,415 |
| Return on Equity (ROE) | 15.0200% | 991 |
| Retained earnings to average equity (ytd only) | 3.4565% | 2,860 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 72.9783% | 1,848 |
| Assets per employee ($millions) | 7.9027% | 1,509 |
| Cash dividends to net income (ytd only)* | 76.9841% | 779 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2389% | 2,071 |
| Loan loss allowance to noncurrent loans | 158.2456% | 2,672 |
| Noncurrent assets plus other real estate owned to assets | 0.5152% | 1,236 |
| Noncurrent loans to loans | 0.7829% | 1,131 |
| Net loans and leases to total assets | 64.9900% | 2,371 |
| Net loans and leases to deposits | 70.9048% | 2,818 |
| Net loans and leases to core deposits | 89.5467% | 2,071 |
| Total domestic deposits to total assets | 91.6600% | 392 |
| Equity capital to assets | 6.0974% | 4,175 |
| Core capital (leverage) ratio | 6.1632% | 4,524 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5835% | 2,396 |
| Memoranda: | ||
| Average total assets | $55,462,000 | 4,243 |
| Average earning assets | $52,983,500 | 4,203 |
| Average equity | $3,356,000 | 4,405 |
| Average total loans | $36,268,000 | 4,058 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9327% | 2,214 |
| Cost of funding earning assets | 1.0923% | 3,087 |
| Net interest margin | 3.8405% | 1,489 |
| Noninterest income to average assets | 0.1400% | 4,103 |
| Noninterest expense to average assets | 2.6727% | 1,813 |
| Loan and lease loss provision to assets | 0.0800% | 1,564 |
| Net operating income to assets | 1.0614% | 2,035 |
| Return on assets (ROA) | 1.0213% | 2,128 |
| Pretax return on assets | 1.0495% | 2,535 |
| Return on Equity (ROE) | 17.0300% | 943 |
| Retained earnings to average equity (ytd only) | 5.0819% | 2,579 |
| Net charge-offs to loans | 0.0222% | 1,886 |
| Credit loss provision to net charge-offs | 525.0000% | 643 |
| Earnings coverage of net charge-offs (x) | 77.7500% | 1,041 |
| Efficiency ratio | 69.5546% | 1,942 |
| Assets per employee ($millions) | 7.9436% | 1,468 |
| Cash dividends to net income (ytd only)* | 70.1657% | 837 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2510% | 2,009 |
| Loan loss allowance to noncurrent loans | 456.5657% | 1,523 |
| Noncurrent assets plus other real estate owned to assets | 0.1780% | 2,348 |
| Noncurrent loans to loans | 0.2740% | 2,204 |
| Net loans and leases to total assets | 64.1700% | 2,445 |
| Net loans and leases to deposits | 69.8348% | 2,895 |
| Net loans and leases to core deposits | 90.2446% | 2,034 |
| Total domestic deposits to total assets | 91.8800% | 323 |
| Equity capital to assets | 6.0049% | 4,234 |
| Core capital (leverage) ratio | 6.4664% | 4,534 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1373% | 2,197 |
| Memoranda: | ||
| Average total assets | $53,167,800 | 4,288 |
| Average earning assets | $51,269,600 | 4,238 |
| Average equity | $3,187,800 | 4,412 |
| Average total loans | $36,099,000 | 4,049 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8797% | 2,106 |
| Cost of funding earning assets | 0.9959% | 3,052 |
| Net interest margin | 3.8838% | 1,433 |
| Noninterest income to average assets | 0.1400% | 4,120 |
| Noninterest expense to average assets | 2.6383% | 1,833 |
| Loan and lease loss provision to assets | 0.0600% | 1,749 |
| Net operating income to assets | 1.1568% | 1,906 |
| Return on assets (ROA) | 1.1568% | 1,888 |
| Pretax return on assets | 1.1872% | 2,331 |
| Return on Equity (ROE) | 19.3000% | 791 |
| Retained earnings to average equity (ytd only) | 9.5236% | 1,545 |
| Net charge-offs to loans | 0.0296% | 1,482 |
| Credit loss provision to net charge-offs | 300.0000% | 887 |
| Earnings coverage of net charge-offs (x) | 61.5000% | 1,190 |
| Efficiency ratio | 67.8851% | 2,032 |
| Assets per employee ($millions) | 7.7243% | 1,497 |
| Cash dividends to net income (ytd only)* | 50.6579% | 1,231 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1814% | 2,467 |
| Loan loss allowance to noncurrent loans | 1,315.1515% | 716 |
| Noncurrent assets plus other real estate owned to assets | 0.0610% | 3,210 |
| Noncurrent loans to loans | 0.0898% | 3,133 |
| Net loans and leases to total assets | 67.1400% | 2,143 |
| Net loans and leases to deposits | 74.1649% | 2,548 |
| Net loans and leases to core deposits | 87.1746% | 2,113 |
| Total domestic deposits to total assets | 90.5300% | 795 |
| Equity capital to assets | 6.0255% | 3,976 |
| Core capital (leverage) ratio | 6.6215% | 4,559 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2603% | 2,181 |
| Memoranda: | ||
| Average total assets | $52,558,500 | 4,310 |
| Average earning assets | $50,739,500 | 4,257 |
| Average equity | $3,150,000 | 4,432 |
| Average total loans | $36,090,750 | 4,065 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8446% | 1,895 |
| Cost of funding earning assets | 0.8805% | 2,990 |
| Net interest margin | 3.9641% | 1,305 |
| Noninterest income to average assets | 0.1600% | 3,996 |
| Noninterest expense to average assets | 2.6126% | 1,893 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.3332% | 1,486 |
| Return on assets (ROA) | 1.3332% | 1,470 |
| Pretax return on assets | 1.3678% | 1,892 |
| Return on Equity (ROE) | 22.2900% | 525 |
| Retained earnings to average equity (ytd only) | 13.6159% | 731 |
| Net charge-offs to loans | 0.0056% | 2,050 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 356.0000% | 399 |
| Efficiency ratio | 65.6371% | 2,297 |
| Assets per employee ($millions) | 7.7527% | 1,440 |
| Cash dividends to net income (ytd only)* | 38.9049% | 1,746 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1466% | 2,722 |
| Loan loss allowance to noncurrent loans | 587.3239% | 1,382 |
| Noncurrent assets plus other real estate owned to assets | 0.1308% | 2,631 |
| Noncurrent loans to loans | 0.1952% | 2,486 |
| Net loans and leases to total assets | 66.2500% | 2,130 |
| Net loans and leases to deposits | 73.8214% | 2,515 |
| Net loans and leases to core deposits | 86.8466% | 2,012 |
| Total domestic deposits to total assets | 89.7400% | 1,001 |
| Equity capital to assets | 5.9721% | 4,166 |
| Core capital (leverage) ratio | 6.3300% | 4,593 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2630% | 2,190 |
| Memoranda: | ||
| Average total assets | $52,054,667 | 4,338 |
| Average earning assets | $50,200,000 | 4,290 |
| Average equity | $3,114,000 | 4,462 |
| Average total loans | $35,875,333 | 4,087 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6943% | 1,863 |
| Cost of funding earning assets | 0.7987% | 2,744 |
| Net interest margin | 3.8956% | 1,492 |
| Noninterest income to average assets | 0.1300% | 4,223 |
| Noninterest expense to average assets | 2.6930% | 1,699 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.1463% | 2,077 |
| Return on assets (ROA) | 1.1463% | 2,049 |
| Pretax return on assets | 1.1934% | 2,439 |
| Return on Equity (ROE) | 19.1400% | 864 |
| Retained earnings to average equity (ytd only) | 9.7033% | 1,768 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 69.2929% | 1,820 |
| Assets per employee ($millions) | 10.4020% | 613 |
| Cash dividends to net income (ytd only)* | 49.3151% | 1,206 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1573% | 2,780 |
| Loan loss allowance to noncurrent loans | 685.2459% | 1,308 |
| Noncurrent assets plus other real estate owned to assets | 0.1173% | 2,695 |
| Noncurrent loans to loans | 0.1689% | 2,643 |
| Net loans and leases to total assets | 68.6400% | 1,773 |
| Net loans and leases to deposits | 76.6894% | 2,065 |
| Net loans and leases to core deposits | 90.9582% | 1,565 |
| Total domestic deposits to total assets | 89.5100% | 1,339 |
| Equity capital to assets | 6.0181% | 4,196 |
| Core capital (leverage) ratio | 6.4068% | 4,663 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6694% | 2,509 |
| Memoranda: | ||
| Average total assets | $50,947,500 | 4,410 |
| Average earning assets | $49,080,500 | 4,360 |
| Average equity | $3,050,500 | 4,530 |
| Average total loans | $35,629,000 | 4,141 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1018% | 1,477 |
| Cost of funding earning assets | 0.5448% | 1,134 |
| Net interest margin | 3.5570% | 1,765 |
| Noninterest income to average assets | 0.2600% | 3,579 |
| Noninterest expense to average assets | 2.7049% | 1,543 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.9311% | 2,845 |
| Return on assets (ROA) | 0.9311% | 2,787 |
| Pretax return on assets | 0.9712% | 3,156 |
| Return on Equity (ROE) | 15.1800% | 1,216 |
| Retained earnings to average equity (ytd only) | 3.6305% | 3,531 |
| Net charge-offs to loans | 0.0088% | 2,060 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 161.3333% | 753 |
| Efficiency ratio | 73.5808% | 1,263 |
| Assets per employee ($millions) | 7.1264% | 1,875 |
| Cash dividends to net income (ytd only)* | 76.0776% | 526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1896% | 2,441 |
| Loan loss allowance to noncurrent loans | 422.2222% | 1,787 |
| Noncurrent assets plus other real estate owned to assets | 0.1985% | 2,182 |
| Noncurrent loans to loans | 0.2817% | 2,140 |
| Net loans and leases to total assets | 69.6000% | 1,671 |
| Net loans and leases to deposits | 76.9640% | 2,039 |
| Net loans and leases to core deposits | 86.6722% | 1,699 |
| Total domestic deposits to total assets | 90.4300% | 1,184 |
| Equity capital to assets | 5.9557% | 4,105 |
| Core capital (leverage) ratio | 6.5914% | 4,684 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7832% | 2,457 |
| Memoranda: | ||
| Average total assets | $49,834,800 | 4,439 |
| Average earning assets | $47,905,800 | 4,398 |
| Average equity | $3,057,400 | 4,607 |
| Average total loans | $33,942,800 | 4,169 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9930% | 1,281 |
| Cost of funding earning assets | 0.5162% | 695 |
| Net interest margin | 3.4768% | 1,732 |
| Noninterest income to average assets | 0.2400% | 3,728 |
| Noninterest expense to average assets | 2.5985% | 1,714 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.9313% | 2,755 |
| Return on assets (ROA) | 0.9313% | 2,720 |
| Pretax return on assets | 0.9714% | 3,109 |
| Return on Equity (ROE) | 15.0700% | 1,156 |
| Retained earnings to average equity (ytd only) | 4.5468% | 3,265 |
| Net charge-offs to loans | 0.0119% | 1,674 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 121.0000% | 838 |
| Efficiency ratio | 72.7886% | 1,411 |
| Assets per employee ($millions) | 7.2507% | 1,783 |
| Cash dividends to net income (ytd only)* | 69.8276% | 622 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2093% | 2,479 |
| Loan loss allowance to noncurrent loans | 245.8824% | 2,442 |
| Noncurrent assets plus other real estate owned to assets | 0.3763% | 1,437 |
| Noncurrent loans to loans | 0.4918% | 1,576 |
| Net loans and leases to total assets | 67.2800% | 1,757 |
| Net loans and leases to deposits | 73.0220% | 2,126 |
| Net loans and leases to core deposits | 81.8661% | 1,771 |
| Total domestic deposits to total assets | 92.1400% | 837 |
| Equity capital to assets | 5.7157% | 4,068 |
| Core capital (leverage) ratio | 6.2398% | 4,729 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4148% | 2,684 |
| Memoranda: | ||
| Average total assets | $49,822,250 | 4,478 |
| Average earning assets | $47,782,000 | 4,431 |
| Average equity | $3,079,000 | 4,646 |
| Average total loans | $33,644,000 | 4,200 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8850% | 1,135 |
| Cost of funding earning assets | 0.4925% | 536 |
| Net interest margin | 3.3926% | 1,626 |
| Noninterest income to average assets | 0.2383% | 3,746 |
| Noninterest expense to average assets | 2.5731% | 1,714 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.8806% | 2,667 |
| Return on assets (ROA) | 0.8806% | 2,640 |
| Pretax return on assets | 0.9210% | 2,991 |
| Return on Equity (ROE) | 13.8927% | 1,140 |
| Retained earnings to average equity (ytd only) | 3.1864% | 3,388 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6416% | 1,555 |
| Assets per employee ($millions) | 7.1496% | 1,844 |
| Cash dividends to net income (ytd only)* | 77.0642% | 664 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2344% | 2,500 |
| Loan loss allowance to noncurrent loans | 532.9114% | 1,483 |
| Noncurrent assets plus other real estate owned to assets | 0.1978% | 2,345 |
| Noncurrent loans to loans | 0.2316% | 2,560 |
| Net loans and leases to total assets | 67.3047% | 1,549 |
| Net loans and leases to deposits | 71.7383% | 2,048 |
| Net loans and leases to core deposits | 79.4396% | 1,753 |
| Total domestic deposits to total assets | 93.8198% | 318 |
| Equity capital to assets | 6.0723% | 4,182 |
| Core capital (leverage) ratio | 6.4293% | 4,733 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8556% | 2,550 |
| Memoranda: | ||
| Average total assets | $49,511,333 | 4,518 |
| Average earning assets | $47,515,667 | 4,485 |
| Average equity | $3,138,333 | 4,680 |
| Average total loans | $33,336,667 | 4,258 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7494% | 1,180 |
| Cost of funding earning assets | 0.4909% | 518 |
| Net interest margin | 3.2585% | 1,689 |
| Noninterest income to average assets | 0.2437% | 3,684 |
| Noninterest expense to average assets | 2.5587% | 1,725 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.7717% | 2,762 |
| Return on assets (ROA) | 0.7717% | 2,755 |
| Pretax return on assets | 0.8123% | 3,074 |
| Return on Equity (ROE) | 11.9197% | 1,337 |
| Retained earnings to average equity (ytd only) | 2.0075% | 3,535 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.9036% | 1,536 |
| Assets per employee ($millions) | 7.1084% | 1,916 |
| Cash dividends to net income (ytd only)* | 83.1579% | 669 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2953% | 2,382 |
| Loan loss allowance to noncurrent loans | 619.1176% | 1,290 |
| Noncurrent assets plus other real estate owned to assets | 0.1708% | 2,596 |
| Noncurrent loans to loans | 0.2092% | 2,775 |
| Net loans and leases to total assets | 64.4707% | 1,557 |
| Net loans and leases to deposits | 68.8811% | 2,061 |
| Net loans and leases to core deposits | 76.3410% | 1,758 |
| Total domestic deposits to total assets | 93.5971% | 151 |
| Equity capital to assets | 6.2823% | 4,502 |
| Core capital (leverage) ratio | 6.4215% | 4,752 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4350% | 2,430 |
| Memoranda: | ||
| Average total assets | $49,243,500 | 4,541 |
| Average earning assets | $47,261,000 | 4,514 |
| Average equity | $3,188,000 | 4,708 |
| Average total loans | $32,952,500 | 4,276 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4779% | 620 |
| Cost of funding earning assets | 0.5672% | 642 |
| Net interest margin | 3.9106% | 837 |
| Noninterest income to average assets | 0.2408% | 3,939 |
| Noninterest expense to average assets | 2.7447% | 1,499 |
| Loan and lease loss provision to assets | 0.1065% | 1,188 |
| Net operating income to assets | 1.0932% | 2,321 |
| Return on assets (ROA) | 1.0932% | 2,383 |
| Pretax return on assets | 1.1358% | 2,871 |
| Return on Equity (ROE) | 15.5653% | 829 |
| Retained earnings to average equity (ytd only) | 1.1226% | 4,227 |
| Net charge-offs to loans | 0.1076% | 818 |
| Credit loss provision to net charge-offs | 151.5152% | 1,489 |
| Earnings coverage of net charge-offs (x) | 17.6667% | 1,934 |
| Efficiency ratio | 68.8402% | 1,876 |
| Assets per employee ($millions) | 6.9611% | 1,955 |
| Cash dividends to net income (ytd only)* | 92.7875% | 298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2603% | 2,565 |
| Loan loss allowance to noncurrent loans | 1,107.8947% | 812 |
| Noncurrent assets plus other real estate owned to assets | 0.0780% | 3,405 |
| Noncurrent loans to loans | 0.1138% | 3,356 |
| Net loans and leases to total assets | 67.6880% | 1,305 |
| Net loans and leases to deposits | 72.5986% | 1,856 |
| Net loans and leases to core deposits | 80.1901% | 1,577 |
| Total domestic deposits to total assets | 93.2359% | 35 |
| Equity capital to assets | 6.6697% | 4,765 |
| Core capital (leverage) ratio | 6.5605% | 4,793 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3853% | 2,800 |
| Memoranda: | ||
| Average total assets | $46,926,800 | 4,594 |
| Average earning assets | $44,954,200 | 4,563 |
| Average equity | $3,295,800 | 4,755 |
| Average total loans | $30,670,000 | 4,364 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7734% | 430 |
| Cost of funding earning assets | 0.5820% | 697 |
| Net interest margin | 4.1913% | 554 |
| Noninterest income to average assets | 0.2496% | 3,900 |
| Noninterest expense to average assets | 2.8085% | 1,320 |
| Loan and lease loss provision to assets | 0.1442% | 783 |
| Net operating income to assets | 1.2623% | 1,948 |
| Return on assets (ROA) | 1.2623% | 2,007 |
| Pretax return on assets | 1.3053% | 2,613 |
| Return on Equity (ROE) | 17.7384% | 657 |
| Retained earnings to average equity (ytd only) | 4.9990% | 3,218 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9704% | 2,103 |
| Assets per employee ($millions) | 6.8389% | 1,990 |
| Cash dividends to net income (ytd only)* | 71.8182% | 554 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4988% | 1,639 |
| Loan loss allowance to noncurrent loans | 412.7273% | 1,584 |
| Noncurrent assets plus other real estate owned to assets | 0.2298% | 2,625 |
| Noncurrent loans to loans | 0.3632% | 2,482 |
| Net loans and leases to total assets | 62.3245% | 1,971 |
| Net loans and leases to deposits | 67.1755% | 2,524 |
| Net loans and leases to core deposits | 74.8708% | 2,155 |
| Total domestic deposits to total assets | 92.7787% | 48 |
| Equity capital to assets | 6.9999% | 4,809 |
| Core capital (leverage) ratio | 6.9347% | 4,832 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8753% | 2,015 |
| Memoranda: | ||
| Average total assets | $46,476,500 | 4,665 |
| Average earning assets | $44,440,000 | 4,634 |
| Average equity | $3,307,250 | 4,825 |
| Average total loans | $29,986,500 | 4,432 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2666% | 228 |
| Cost of funding earning assets | 0.5937% | 772 |
| Net interest margin | 4.6728% | 278 |
| Noninterest income to average assets | 0.2391% | 3,972 |
| Noninterest expense to average assets | 2.8862% | 1,168 |
| Loan and lease loss provision to assets | 0.2173% | 492 |
| Net operating income to assets | 1.5735% | 1,108 |
| Return on assets (ROA) | 1.5735% | 1,167 |
| Pretax return on assets | 1.6170% | 1,691 |
| Return on Equity (ROE) | 21.9883% | 317 |
| Retained earnings to average equity (ytd only) | 6.3778% | 2,664 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1418% | 2,850 |
| Assets per employee ($millions) | 6.6639% | 2,045 |
| Cash dividends to net income (ytd only)* | 70.9945% | 664 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5078% | 1,566 |
| Loan loss allowance to noncurrent loans | 698.4615% | 972 |
| Noncurrent assets plus other real estate owned to assets | 0.1393% | 3,318 |
| Noncurrent loans to loans | 0.2159% | 3,185 |
| Net loans and leases to total assets | 63.5754% | 1,995 |
| Net loans and leases to deposits | 68.6434% | 2,555 |
| Net loans and leases to core deposits | 76.7515% | 2,167 |
| Total domestic deposits to total assets | 92.6169% | 57 |
| Equity capital to assets | 7.1559% | 4,814 |
| Core capital (leverage) ratio | 6.9431% | 4,865 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0633% | 1,949 |
| Memoranda: | ||
| Average total assets | $46,011,333 | 4,696 |
| Average earning assets | $44,127,333 | 4,661 |
| Average equity | $3,292,667 | 4,857 |
| Average total loans | $29,885,333 | 4,470 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1888% | 82 |
| Cost of funding earning assets | 0.6125% | 833 |
| Net interest margin | 5.5763% | 92 |
| Noninterest income to average assets | 0.2451% | 3,926 |
| Noninterest expense to average assets | 3.1602% | 762 |
| Loan and lease loss provision to assets | 0.4377% | 161 |
| Net operating income to assets | 1.9434% | 614 |
| Return on assets (ROA) | 1.9434% | 661 |
| Pretax return on assets | 1.9872% | 965 |
| Return on Equity (ROE) | 27.1560% | 200 |
| Retained earnings to average equity (ytd only) | 5.7492% | 2,987 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.5831% | 3,481 |
| Assets per employee ($millions) | 6.6803% | 2,019 |
| Cash dividends to net income (ytd only)* | 78.8288% | 598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5208% | 1,534 |
| Loan loss allowance to noncurrent loans | 720.6349% | 879 |
| Noncurrent assets plus other real estate owned to assets | 0.1347% | 3,498 |
| Noncurrent loans to loans | 0.2110% | 3,351 |
| Net loans and leases to total assets | 62.8673% | 2,189 |
| Net loans and leases to deposits | 67.7717% | 2,724 |
| Net loans and leases to core deposits | 76.9259% | 2,275 |
| Total domestic deposits to total assets | 92.7634% | 51 |
| Equity capital to assets | 7.0314% | 4,839 |
| Core capital (leverage) ratio | 7.0231% | 4,890 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2975% | 1,813 |
| Memoranda: | ||
| Average total assets | $45,693,500 | 4,716 |
| Average earning assets | $43,756,500 | 4,685 |
| Average equity | $3,270,000 | 4,884 |
| Average total loans | $29,773,000 | 4,495 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8634% | 650 |
| Cost of funding earning assets | 0.7636% | 1,378 |
| Net interest margin | 4.0998% | 784 |
| Noninterest income to average assets | 0.2764% | 3,822 |
| Noninterest expense to average assets | 2.9382% | 1,575 |
| Loan and lease loss provision to assets | 0.1430% | 2,572 |
| Net operating income to assets | 1.0437% | 2,126 |
| Return on assets (ROA) | 1.0437% | 2,268 |
| Pretax return on assets | 1.1105% | 2,652 |
| Return on Equity (ROE) | 13.5035% | 922 |
| Retained earnings to average equity (ytd only) | 1.9731% | 3,833 |
| Net charge-offs to loans | 0.0163% | 2,773 |
| Credit loss provision to net charge-offs | 1,200.0000% | 682 |
| Earnings coverage of net charge-offs (x) | 105.2000% | 762 |
| Efficiency ratio | 70.0966% | 1,936 |
| Assets per employee ($millions) | 6.3750% | 2,024 |
| Cash dividends to net income (ytd only)* | 85.3881% | 504 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3605% | 2,145 |
| Loan loss allowance to noncurrent loans | 505.0000% | 1,121 |
| Noncurrent assets plus other real estate owned to assets | 0.3563% | 2,561 |
| Noncurrent loans to loans | 0.2694% | 3,229 |
| Net loans and leases to total assets | 65.6359% | 2,142 |
| Net loans and leases to deposits | 70.8892% | 2,784 |
| Net loans and leases to core deposits | 81.0033% | 2,276 |
| Total domestic deposits to total assets | 92.5894% | 30 |
| Equity capital to assets | 7.2874% | 4,876 |
| Core capital (leverage) ratio | 7.1501% | 4,911 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5023% | 2,052 |
| Memoranda: | ||
| Average total assets | $41,964,400 | 4,745 |
| Average earning assets | $40,075,000 | 4,715 |
| Average equity | $3,243,600 | 4,897 |
| Average total loans | $30,702,800 | 4,504 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1209% | 479 |
| Cost of funding earning assets | 0.7988% | 1,505 |
| Net interest margin | 4.3221% | 558 |
| Noninterest income to average assets | 0.2938% | 3,723 |
| Noninterest expense to average assets | 2.9443% | 1,577 |
| Loan and lease loss provision to assets | 0.1453% | 2,567 |
| Net operating income to assets | 1.2914% | 1,377 |
| Return on assets (ROA) | 1.2914% | 1,480 |
| Pretax return on assets | 1.3269% | 1,949 |
| Return on Equity (ROE) | 16.4529% | 497 |
| Retained earnings to average equity (ytd only) | 4.4834% | 2,809 |
| Net charge-offs to loans | -0.0086% | 4,190 |
| Credit loss provision to net charge-offs | -2,250.0000% | 4,100 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6667% | 2,376 |
| Assets per employee ($millions) | 6.2094% | 2,077 |
| Cash dividends to net income (ytd only)* | 72.7500% | 757 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2818% | 2,235 |
| Loan loss allowance to noncurrent loans | 408.2474% | 1,255 |
| Noncurrent assets plus other real estate owned to assets | 0.3934% | 2,600 |
| Noncurrent loans to loans | 0.3140% | 3,161 |
| Net loans and leases to total assets | 70.1675% | 1,919 |
| Net loans and leases to deposits | 76.1371% | 2,739 |
| Net loans and leases to core deposits | 87.3897% | 2,203 |
| Total domestic deposits to total assets | 92.1594% | 44 |
| Equity capital to assets | 7.5990% | 4,832 |
| Core capital (leverage) ratio | 7.4571% | 4,873 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5794% | 2,380 |
| Memoranda: | ||
| Average total assets | $41,299,250 | 4,776 |
| Average earning assets | $39,393,500 | 4,748 |
| Average equity | $3,241,500 | 4,925 |
| Average total loans | $30,955,000 | 4,523 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3702% | 425 |
| Cost of funding earning assets | 0.8314% | 1,672 |
| Net interest margin | 4.5389% | 462 |
| Noninterest income to average assets | 0.3007% | 3,666 |
| Noninterest expense to average assets | 2.9376% | 1,743 |
| Loan and lease loss provision to assets | 0.1479% | 2,529 |
| Net operating income to assets | 1.5082% | 912 |
| Return on assets (ROA) | 1.5082% | 986 |
| Pretax return on assets | 1.5477% | 1,346 |
| Return on Equity (ROE) | 19.0003% | 305 |
| Retained earnings to average equity (ytd only) | 6.2713% | 1,952 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4043% | 2,897 |
| Assets per employee ($millions) | 6.1820% | 2,039 |
| Cash dividends to net income (ytd only)* | 66.9935% | 1,030 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2107% | 2,459 |
| Loan loss allowance to noncurrent loans | 65.6846% | 3,795 |
| Noncurrent assets plus other real estate owned to assets | 1.3958% | 699 |
| Noncurrent loans to loans | 1.8432% | 758 |
| Net loans and leases to total assets | 71.4655% | 1,806 |
| Net loans and leases to deposits | 77.5729% | 2,702 |
| Net loans and leases to core deposits | 89.0957% | 2,152 |
| Total domestic deposits to total assets | 92.1269% | 46 |
| Equity capital to assets | 7.6374% | 4,845 |
| Core capital (leverage) ratio | 7.5422% | 4,901 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5380% | 2,798 |
| Memoranda: | ||
| Average total assets | $40,577,000 | 4,811 |
| Average earning assets | $38,732,000 | 4,775 |
| Average equity | $3,221,000 | 4,958 |
| Average total loans | $30,975,000 | 4,546 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2900% | 562 |
| Cost of funding earning assets | 0.8674% | 2,026 |
| Net interest margin | 4.4226% | 596 |
| Noninterest income to average assets | 0.3875% | 3,187 |
| Noninterest expense to average assets | 3.0998% | 1,642 |
| Loan and lease loss provision to assets | 0.1530% | 1,867 |
| Net operating income to assets | 1.3052% | 1,236 |
| Return on assets (ROA) | 1.3052% | 1,330 |
| Pretax return on assets | 1.3460% | 1,731 |
| Return on Equity (ROE) | 16.1057% | 411 |
| Retained earnings to average equity (ytd only) | 2.3907% | 3,310 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4058% | 2,755 |
| Assets per employee ($millions) | 5.6766% | 1,951 |
| Cash dividends to net income (ytd only)* | 85.1563% | 934 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2058% | 2,640 |
| Loan loss allowance to noncurrent loans | 169.3023% | 2,329 |
| Noncurrent assets plus other real estate owned to assets | 0.6040% | 2,191 |
| Noncurrent loans to loans | 0.7122% | 2,217 |
| Net loans and leases to total assets | 75.0554% | 1,452 |
| Net loans and leases to deposits | 81.8711% | 2,469 |
| Net loans and leases to core deposits | 95.3636% | 1,855 |
| Total domestic deposits to total assets | 91.6751% | 57 |
| Equity capital to assets | 8.0557% | 4,958 |
| Core capital (leverage) ratio | 7.8568% | 5,001 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5325% | 2,464 |
| Memoranda: | ||
| Average total assets | $39,228,500 | 4,864 |
| Average earning assets | $37,353,500 | 4,825 |
| Average equity | $3,179,000 | 5,008 |
| Average total loans | $30,810,000 | 4,578 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3422% | 757 |
| Cost of funding earning assets | 0.8355% | 2,507 |
| Net interest margin | 4.5066% | 709 |
| Noninterest income to average assets | 0.4909% | 2,792 |
| Noninterest expense to average assets | 3.2085% | 1,501 |
| Loan and lease loss provision to assets | 0.1518% | 1,398 |
| Net operating income to assets | 1.3740% | 1,435 |
| Return on assets (ROA) | 1.3740% | 1,509 |
| Pretax return on assets | 1.4297% | 2,047 |
| Return on Equity (ROE) | 18.0904% | 333 |
| Retained earnings to average equity (ytd only) | 7.1295% | 1,341 |
| Net charge-offs to loans | 0.1904% | 1,068 |
| Credit loss provision to net charge-offs | 100.0000% | 2,460 |
| Earnings coverage of net charge-offs (x) | 10.4167% | 2,576 |
| Efficiency ratio | 66.9836% | 2,623 |
| Assets per employee ($millions) | 5.5316% | 2,035 |
| Cash dividends to net income (ytd only)* | 60.5893% | 1,530 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1103% | 2,891 |
| Loan loss allowance to noncurrent loans | 199.4286% | 2,091 |
| Noncurrent assets plus other real estate owned to assets | 0.5139% | 2,362 |
| Noncurrent loans to loans | 0.5568% | 2,506 |
| Net loans and leases to total assets | 80.2743% | 749 |
| Net loans and leases to deposits | 87.9367% | 1,854 |
| Net loans and leases to core deposits | 102.9375% | 1,319 |
| Total domestic deposits to total assets | 91.2864% | 87 |
| Equity capital to assets | 8.1532% | 5,025 |
| Core capital (leverage) ratio | 7.8411% | 5,069 |
| Tier 1 risk-based capital ratio | 12.1928% | 4,248 |
| Total risk-based capital ratio | 13.4410% | 4,132 |
| Memoranda: | ||
| Average total assets | $39,519,800 | 4,897 |
| Average earning assets | $37,700,000 | 4,867 |
| Average equity | $3,001,600 | 5,071 |
| Average total loans | $31,517,000 | 4,612 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3072% | 853 |
| Cost of funding earning assets | 0.8095% | 2,665 |
| Net interest margin | 4.4978% | 769 |
| Noninterest income to average assets | 0.4867% | 2,817 |
| Noninterest expense to average assets | 3.1722% | 1,521 |
| Loan and lease loss provision to assets | 0.1511% | 1,251 |
| Net operating income to assets | 1.4166% | 1,418 |
| Return on assets (ROA) | 1.4166% | 1,476 |
| Pretax return on assets | 1.4535% | 2,105 |
| Return on Equity (ROE) | 18.9908% | 313 |
| Retained earnings to average equity (ytd only) | 7.2902% | 1,719 |
| Net charge-offs to loans | 0.2198% | 807 |
| Credit loss provision to net charge-offs | 86.5385% | 2,431 |
| Earnings coverage of net charge-offs (x) | 9.1926% | 2,588 |
| Efficiency ratio | 66.4090% | 2,675 |
| Assets per employee ($millions) | 5.6736% | 1,870 |
| Cash dividends to net income (ytd only)* | 61.6120% | 1,225 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0770% | 3,144 |
| Loan loss allowance to noncurrent loans | 231.0811% | 1,874 |
| Noncurrent assets plus other real estate owned to assets | 0.4885% | 2,572 |
| Noncurrent loans to loans | 0.4661% | 2,905 |
| Net loans and leases to total assets | 79.0935% | 973 |
| Net loans and leases to deposits | 86.4749% | 2,135 |
| Net loans and leases to core deposits | 101.8415% | 1,517 |
| Total domestic deposits to total assets | 91.4642% | 66 |
| Equity capital to assets | 7.8006% | 5,162 |
| Core capital (leverage) ratio | 7.6325% | 5,177 |
| Tier 1 risk-based capital ratio | 11.2564% | 4,790 |
| Total risk-based capital ratio | 12.5055% | 4,688 |
| Memoranda: | ||
| Average total assets | $39,719,500 | 4,967 |
| Average earning assets | $37,884,500 | 4,935 |
| Average equity | $2,962,750 | 5,149 |
| Average total loans | $31,538,250 | 4,673 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2294% | 928 |
| Cost of funding earning assets | 0.7907% | 2,689 |
| Net interest margin | 4.4387% | 874 |
| Noninterest income to average assets | 0.4733% | 2,820 |
| Noninterest expense to average assets | 3.2174% | 1,465 |
| Loan and lease loss provision to assets | 0.1511% | 1,211 |
| Net operating income to assets | 1.3091% | 1,738 |
| Return on assets (ROA) | 1.3091% | 1,804 |
| Pretax return on assets | 1.3444% | 2,400 |
| Return on Equity (ROE) | 17.8224% | 391 |
| Retained earnings to average equity (ytd only) | 5.2782% | 2,631 |
| Net charge-offs to loans | 0.0636% | 1,743 |
| Credit loss provision to net charge-offs | 300.0000% | 895 |
| Earnings coverage of net charge-offs (x) | 29.7000% | 1,472 |
| Efficiency ratio | 68.2692% | 2,491 |
| Assets per employee ($millions) | 5.7984% | 1,697 |
| Cash dividends to net income (ytd only)* | 70.3846% | 1,090 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1558% | 2,764 |
| Loan loss allowance to noncurrent loans | 184.5000% | 2,276 |
| Noncurrent assets plus other real estate owned to assets | 0.5543% | 2,352 |
| Noncurrent loans to loans | 0.6264% | 2,379 |
| Net loans and leases to total assets | 77.7501% | 1,264 |
| Net loans and leases to deposits | 84.1771% | 2,474 |
| Net loans and leases to core deposits | 98.5941% | 1,832 |
| Total domestic deposits to total assets | 92.3649% | 27 |
| Equity capital to assets | 7.4084% | 5,243 |
| Core capital (leverage) ratio | 7.3482% | 5,243 |
| Tier 1 risk-based capital ratio | 10.5308% | 5,095 |
| Total risk-based capital ratio | 11.7784% | 5,011 |
| Memoranda: | ||
| Average total assets | $39,721,000 | 5,012 |
| Average earning assets | $37,939,330 | 4,981 |
| Average equity | $2,917,670 | 5,193 |
| Average total loans | $31,466,330 | 4,708 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1760% | 951 |
| Cost of funding earning assets | 0.8004% | 2,535 |
| Net interest margin | 4.3756% | 952 |
| Noninterest income to average assets | 0.4582% | 2,806 |
| Noninterest expense to average assets | 3.3192% | 1,251 |
| Loan and lease loss provision to assets | 0.1527% | 1,097 |
| Net operating income to assets | 1.1200% | 2,392 |
| Return on assets (ROA) | 1.1200% | 2,442 |
| Pretax return on assets | 1.1607% | 2,935 |
| Return on Equity (ROE) | 15.3150% | 694 |
| Retained earnings to average equity (ytd only) | 3.0630% | 3,709 |
| Net charge-offs to loans | -0.0640% | 4,903 |
| Credit loss provision to net charge-offs | -300.0000% | 3,712 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6484% | 2,088 |
| Assets per employee ($millions) | 5.5577% | 1,932 |
| Cash dividends to net income (ytd only)* | 80.0000% | 934 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1906% | 2,630 |
| Loan loss allowance to noncurrent loans | 140.8397% | 2,782 |
| Noncurrent assets plus other real estate owned to assets | 0.6735% | 2,082 |
| Noncurrent loans to loans | 0.8453% | 1,944 |
| Net loans and leases to total assets | 78.7194% | 1,030 |
| Net loans and leases to deposits | 85.2969% | 2,215 |
| Net loans and leases to core deposits | 97.0159% | 1,852 |
| Total domestic deposits to total assets | 92.2887% | 49 |
| Equity capital to assets | 7.4851% | 5,270 |
| Core capital (leverage) ratio | 7.4805% | 5,287 |
| Tier 1 risk-based capital ratio | 10.9977% | 4,977 |
| Total risk-based capital ratio | 12.2468% | 4,882 |
| Memoranda: | ||
| Average total assets | $39,287,000 | 5,073 |
| Average earning assets | $37,480,500 | 5,038 |
| Average equity | $2,873,000 | 5,249 |
| Average total loans | $31,236,000 | 4,766 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2455% | 644 |
| Cost of funding earning assets | 0.7552% | 1,759 |
| Net interest margin | 4.4904% | 778 |
| Noninterest income to average assets | 0.4625% | 3,034 |
| Noninterest expense to average assets | 3.2582% | 1,419 |
| Loan and lease loss provision to assets | 0.0920% | 2,312 |
| Net operating income to assets | 1.3007% | 1,798 |
| Return on assets (ROA) | 1.3007% | 1,784 |
| Pretax return on assets | 1.3518% | 2,311 |
| Return on Equity (ROE) | 18.3410% | 359 |
| Retained earnings to average equity (ytd only) | 3.9637% | 3,393 |
| Net charge-offs to loans | 0.0377% | 2,646 |
| Credit loss provision to net charge-offs | 300.0000% | 1,027 |
| Earnings coverage of net charge-offs (x) | 47.0833% | 1,176 |
| Efficiency ratio | 69.2935% | 2,327 |
| Assets per employee ($millions) | 5.6671% | 1,806 |
| Cash dividends to net income (ytd only)* | 78.3890% | 758 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1087% | 3,038 |
| Loan loss allowance to noncurrent loans | 130.7116% | 2,962 |
| Noncurrent assets plus other real estate owned to assets | 0.6731% | 2,040 |
| Noncurrent loans to loans | 0.8482% | 1,903 |
| Net loans and leases to total assets | 78.4699% | 1,187 |
| Net loans and leases to deposits | 87.7417% | 2,076 |
| Net loans and leases to core deposits | 99.9647% | 1,720 |
| Total domestic deposits to total assets | 89.4328% | 687 |
| Equity capital to assets | 7.1439% | 5,320 |
| Core capital (leverage) ratio | 7.4471% | 5,330 |
| Tier 1 risk-based capital ratio | 11.1243% | 4,907 |
| Total risk-based capital ratio | 12.3739% | 4,815 |
| Memoranda: | ||
| Average total assets | $39,132,000 | 5,109 |
| Average earning assets | $36,945,800 | 5,089 |
| Average equity | $2,775,200 | 5,297 |
| Average total loans | $31,824,600 | 4,774 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2300% | 589 |
| Cost of funding earning assets | 0.7234% | 1,733 |
| Net interest margin | 4.5067% | 729 |
| Noninterest income to average assets | 0.4616% | 3,087 |
| Noninterest expense to average assets | 3.1933% | 1,540 |
| Loan and lease loss provision to assets | 0.0923% | 2,133 |
| Net operating income to assets | 1.3847% | 1,539 |
| Return on assets (ROA) | 1.3847% | 1,542 |
| Pretax return on assets | 1.4360% | 2,103 |
| Return on Equity (ROE) | 19.5613% | 299 |
| Retained earnings to average equity (ytd only) | 4.2985% | 3,611 |
| Net charge-offs to loans | -0.0460% | 4,901 |
| Credit loss provision to net charge-offs | -245.4545% | 4,361 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6322% | 2,608 |
| Assets per employee ($millions) | 5.5380% | 1,876 |
| Cash dividends to net income (ytd only)* | 78.0237% | 619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1559% | 2,871 |
| Loan loss allowance to noncurrent loans | 138.0228% | 2,911 |
| Noncurrent assets plus other real estate owned to assets | 0.6784% | 2,163 |
| Noncurrent loans to loans | 0.8375% | 2,033 |
| Net loans and leases to total assets | 80.0727% | 1,007 |
| Net loans and leases to deposits | 86.7285% | 2,291 |
| Net loans and leases to core deposits | 97.1549% | 2,005 |
| Total domestic deposits to total assets | 92.3257% | 66 |
| Equity capital to assets | 7.1377% | 5,368 |
| Core capital (leverage) ratio | 7.3306% | 5,409 |
| Tier 1 risk-based capital ratio | 10.9978% | 5,035 |
| Total risk-based capital ratio | 12.2460% | 4,934 |
| Memoranda: | ||
| Average total assets | $38,997,500 | 5,173 |
| Average earning assets | $36,863,000 | 5,155 |
| Average equity | $2,760,500 | 5,367 |
| Average total loans | $31,911,250 | 4,828 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1513% | 602 |
| Cost of funding earning assets | 0.7012% | 1,615 |
| Net interest margin | 4.4500% | 768 |
| Noninterest income to average assets | 0.4607% | 3,089 |
| Noninterest expense to average assets | 3.1683% | 1,614 |
| Loan and lease loss provision to assets | 0.0921% | 2,080 |
| Net operating income to assets | 1.3717% | 1,532 |
| Return on assets (ROA) | 1.3717% | 1,534 |
| Pretax return on assets | 1.4229% | 2,075 |
| Return on Equity (ROE) | 19.4320% | 302 |
| Retained earnings to average equity (ytd only) | 2.7553% | 4,148 |
| Net charge-offs to loans | -0.0810% | 5,087 |
| Credit loss provision to net charge-offs | -138.4615% | 4,124 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6503% | 2,704 |
| Assets per employee ($millions) | 5.6289% | 1,778 |
| Cash dividends to net income (ytd only)* | 85.8209% | 591 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1069% | 3,221 |
| Loan loss allowance to noncurrent loans | 176.2376% | 2,479 |
| Noncurrent assets plus other real estate owned to assets | 0.5127% | 2,704 |
| Noncurrent loans to loans | 0.6281% | 2,540 |
| Net loans and leases to total assets | 80.7218% | 903 |
| Net loans and leases to deposits | 86.9658% | 2,228 |
| Net loans and leases to core deposits | 97.6453% | 1,913 |
| Total domestic deposits to total assets | 92.8202% | 39 |
| Equity capital to assets | 6.9717% | 5,451 |
| Core capital (leverage) ratio | 7.1781% | 5,472 |
| Tier 1 risk-based capital ratio | 10.8686% | 5,122 |
| Total risk-based capital ratio | 12.1167% | 5,013 |
| Memoranda: | ||
| Average total assets | $39,074,670 | 5,232 |
| Average earning assets | $37,078,330 | 5,212 |
| Average equity | $2,758,330 | 5,430 |
| Average total loans | $32,080,330 | 4,869 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1558% | 537 |
| Cost of funding earning assets | 0.6838% | 1,530 |
| Net interest margin | 4.4719% | 655 |
| Noninterest income to average assets | 0.4112% | 3,386 |
| Noninterest expense to average assets | 3.1559% | 1,679 |
| Loan and lease loss provision to assets | 0.0925% | 1,968 |
| Net operating income to assets | 1.3467% | 1,490 |
| Return on assets (ROA) | 1.3467% | 1,503 |
| Pretax return on assets | 1.3981% | 2,014 |
| Return on Equity (ROE) | 18.9580% | 323 |
| Retained earnings to average equity (ytd only) | 3.4732% | 3,813 |
| Net charge-offs to loans | -0.2122% | 5,389 |
| Credit loss provision to net charge-offs | -52.9412% | 3,628 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9204% | 2,843 |
| Assets per employee ($millions) | 5.5530% | 1,887 |
| Cash dividends to net income (ytd only)* | 81.6794% | 807 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1051% | 3,343 |
| Loan loss allowance to noncurrent loans | 254.3478% | 1,870 |
| Noncurrent assets plus other real estate owned to assets | 0.3550% | 3,420 |
| Noncurrent loans to loans | 0.4345% | 3,229 |
| Net loans and leases to total assets | 80.8057% | 819 |
| Net loans and leases to deposits | 87.1507% | 2,033 |
| Net loans and leases to core deposits | 98.0306% | 1,832 |
| Total domestic deposits to total assets | 92.7195% | 52 |
| Equity capital to assets | 7.0695% | 5,504 |
| Core capital (leverage) ratio | 7.1019% | 5,541 |
| Tier 1 risk-based capital ratio | 10.8495% | 5,220 |
| Total risk-based capital ratio | 12.0977% | 5,113 |
| Memoranda: | ||
| Average total assets | $38,911,000 | 5,291 |
| Average earning assets | $36,852,000 | 5,269 |
| Average equity | $2,764,000 | 5,487 |
| Average total loans | $32,039,500 | 4,918 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1127% | 518 |
| Cost of funding earning assets | 0.8954% | 383 |
| Net interest margin | 4.2173% | 1,153 |
| Noninterest income to average assets | 0.4185% | 3,514 |
| Noninterest expense to average assets | 3.1397% | 1,749 |
| Loan and lease loss provision to assets | 0.1228% | 1,865 |
| Net operating income to assets | 1.0950% | 1,872 |
| Return on assets (ROA) | 1.0950% | 1,892 |
| Pretax return on assets | 1.1451% | 2,999 |
| Return on Equity (ROE) | 15.8621% | 500 |
| Retained earnings to average equity (ytd only) | 4.4283% | 2,503 |
| Net charge-offs to loans | 0.0774% | 2,344 |
| Credit loss provision to net charge-offs | 196.0000% | 1,394 |
| Earnings coverage of net charge-offs (x) | 20.2400% | 1,978 |
| Efficiency ratio | 71.2337% | 2,347 |
| Assets per employee ($millions) | 5.5644% | 1,872 |
| Cash dividends to net income (ytd only)* | 72.0824% | 1,164 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0056% | 3,905 |
| Loan loss allowance to noncurrent loans | 172.8723% | 2,544 |
| Noncurrent assets plus other real estate owned to assets | 0.4827% | 2,954 |
| Noncurrent loans to loans | 0.5817% | 2,760 |
| Net loans and leases to total assets | 82.1365% | 665 |
| Net loans and leases to deposits | 89.5736% | 1,825 |
| Net loans and leases to core deposits | 102.4858% | 1,525 |
| Total domestic deposits to total assets | 91.6973% | 111 |
| Equity capital to assets | 7.1372% | 5,577 |
| Core capital (leverage) ratio | 6.9961% | 5,605 |
| Tier 1 risk-based capital ratio | 10.6410% | 5,322 |
| Total risk-based capital ratio | 11.8753% | 5,224 |
| Memoranda: | ||
| Average total assets | $39,908,000 | 5,327 |
| Average earning assets | $37,749,200 | 5,310 |
| Average equity | $2,755,000 | 5,546 |
| Average total loans | $32,311,000 | 4,958 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0662% | 536 |
| Cost of funding earning assets | 0.8940% | 362 |
| Net interest margin | 4.1721% | 1,222 |
| Noninterest income to average assets | 0.3221% | 4,234 |
| Noninterest expense to average assets | 3.0321% | 2,025 |
| Loan and lease loss provision to assets | 0.0897% | 2,282 |
| Net operating income to assets | 1.1026% | 2,081 |
| Return on assets (ROA) | 1.1026% | 2,130 |
| Pretax return on assets | 1.1524% | 3,104 |
| Return on Equity (ROE) | 16.1040% | 522 |
| Retained earnings to average equity (ytd only) | 4.1230% | 3,461 |
| Net charge-offs to loans | 0.0041% | 3,590 |
| Credit loss provision to net charge-offs | 2,700.0000% | 163 |
| Earnings coverage of net charge-offs (x) | 374.9248% | 251 |
| Efficiency ratio | 70.9402% | 2,377 |
| Assets per employee ($millions) | 5.8399% | 1,620 |
| Cash dividends to net income (ytd only)* | 74.3980% | 816 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0138% | 3,986 |
| Loan loss allowance to noncurrent loans | 286.8421% | 1,648 |
| Noncurrent assets plus other real estate owned to assets | 0.2789% | 3,954 |
| Noncurrent loans to loans | 0.3534% | 3,684 |
| Net loans and leases to total assets | 78.1061% | 1,253 |
| Net loans and leases to deposits | 86.2946% | 2,262 |
| Net loans and leases to core deposits | 99.0661% | 1,792 |
| Total domestic deposits to total assets | 90.5110% | 323 |
| Equity capital to assets | 6.9082% | 5,665 |
| Core capital (leverage) ratio | 6.7902% | 5,681 |
| Tier 1 risk-based capital ratio | 10.4733% | 5,458 |
| Total risk-based capital ratio | 11.7115% | 5,399 |
| Memoranda: | ||
| Average total assets | $40,147,250 | 5,386 |
| Average earning assets | $38,029,250 | 5,362 |
| Average equity | $2,748,750 | 5,609 |
| Average total loans | $32,309,250 | 5,005 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0662% | 508 |
| Cost of funding earning assets | 0.9231% | 266 |
| Net interest margin | 4.1432% | 1,218 |
| Noninterest income to average assets | 0.2556% | 4,704 |
| Noninterest expense to average assets | 3.0424% | 2,001 |
| Loan and lease loss provision to assets | 0.0902% | 2,174 |
| Net operating income to assets | 0.9874% | 2,489 |
| Return on assets (ROA) | 0.9874% | 2,536 |
| Pretax return on assets | 1.0375% | 3,414 |
| Return on Equity (ROE) | 14.4658% | 741 |
| Retained earnings to average equity (ytd only) | 2.3498% | 4,274 |
| Net charge-offs to loans | 0.0062% | 3,238 |
| Credit loss provision to net charge-offs | 1,800.0000% | 231 |
| Earnings coverage of net charge-offs (x) | 225.0000% | 374 |
| Efficiency ratio | 72.9567% | 2,194 |
| Assets per employee ($millions) | 5.7656% | 1,638 |
| Cash dividends to net income (ytd only)* | 83.7563% | 762 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9692% | 4,331 |
| Loan loss allowance to noncurrent loans | 289.0909% | 1,628 |
| Noncurrent assets plus other real estate owned to assets | 0.2726% | 4,032 |
| Noncurrent loans to loans | 0.3353% | 3,842 |
| Net loans and leases to total assets | 80.5074% | 877 |
| Net loans and leases to deposits | 89.0582% | 1,858 |
| Net loans and leases to core deposits | 102.4467% | 1,470 |
| Total domestic deposits to total assets | 90.3987% | 395 |
| Equity capital to assets | 6.8956% | 5,716 |
| Core capital (leverage) ratio | 6.7260% | 5,728 |
| Tier 1 risk-based capital ratio | 10.0987% | 5,606 |
| Total risk-based capital ratio | 11.2828% | 5,572 |
| Memoranda: | ||
| Average total assets | $39,903,330 | 5,434 |
| Average earning assets | $37,700,670 | 5,409 |
| Average equity | $2,723,670 | 5,661 |
| Average total loans | $32,327,000 | 5,030 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9822% | 539 |
| Cost of funding earning assets | 0.9622% | 199 |
| Net interest margin | 4.0199% | 1,419 |
| Noninterest income to average assets | 0.4033% | 3,635 |
| Noninterest expense to average assets | 3.0649% | 1,972 |
| Loan and lease loss provision to assets | 0.0907% | 2,028 |
| Net operating income to assets | 0.9880% | 2,357 |
| Return on assets (ROA) | 0.9880% | 2,405 |
| Pretax return on assets | 1.0384% | 3,204 |
| Return on Equity (ROE) | 14.5509% | 715 |
| Retained earnings to average equity (ytd only) | 2.0787% | 4,311 |
| Net charge-offs to loans | 0.0125% | 2,561 |
| Credit loss provision to net charge-offs | 900.0000% | 353 |
| Earnings coverage of net charge-offs (x) | 112.0000% | 485 |
| Efficiency ratio | 73.0769% | 2,394 |
| Assets per employee ($millions) | 5.6501% | 1,765 |
| Cash dividends to net income (ytd only)* | 85.7143% | 879 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9697% | 4,445 |
| Loan loss allowance to noncurrent loans | 208.7838% | 2,179 |
| Noncurrent assets plus other real estate owned to assets | 0.7914% | 2,323 |
| Noncurrent loans to loans | 0.4645% | 3,423 |
| Net loans and leases to total assets | 79.7831% | 857 |
| Net loans and leases to deposits | 89.5050% | 1,598 |
| Net loans and leases to core deposits | 97.1282% | 1,737 |
| Total domestic deposits to total assets | 89.1381% | 1,086 |
| Equity capital to assets | 6.8595% | 5,769 |
| Core capital (leverage) ratio | 6.7857% | 5,775 |
| Tier 1 risk-based capital ratio | 10.0253% | 5,688 |
| Total risk-based capital ratio | 11.1752% | 5,691 |
| Memoranda: | ||
| Average total assets | $39,675,500 | 5,502 |
| Average earning assets | $37,413,500 | 5,476 |
| Average equity | $2,694,000 | 5,725 |
| Average total loans | $32,085,500 | 5,090 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0921% | 508 |
| Cost of funding earning assets | 0.9658% | 210 |
| Net interest margin | 4.1263% | 1,317 |
| Noninterest income to average assets | 0.4470% | 3,566 |
| Noninterest expense to average assets | 2.9564% | 2,475 |
| Loan and lease loss provision to assets | 0.1433% | 1,748 |
| Net operating income to assets | 1.2127% | 1,462 |
| Return on assets (ROA) | 1.2127% | 1,547 |
| Pretax return on assets | 1.2621% | 2,428 |
| Return on Equity (ROE) | 18.0117% | 327 |
| Retained earnings to average equity (ytd only) | 1.7975% | 4,503 |
| Net charge-offs to loans | 0.1194% | 2,061 |
| Credit loss provision to net charge-offs | 148.7179% | 1,844 |
| Earnings coverage of net charge-offs (x) | 14.5897% | 2,276 |
| Efficiency ratio | 67.7803% | 3,282 |
| Assets per employee ($millions) | 5.6857% | 1,704 |
| Cash dividends to net income (ytd only)* | 90.0204% | 590 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9317% | 4,648 |
| Loan loss allowance to noncurrent loans | 1,505.0000% | 421 |
| Noncurrent assets plus other real estate owned to assets | 0.3668% | 3,811 |
| Noncurrent loans to loans | 0.0619% | 4,990 |
| Net loans and leases to total assets | 80.4171% | 825 |
| Net loans and leases to deposits | 90.8693% | 1,589 |
| Net loans and leases to core deposits | 98.6105% | 1,731 |
| Total domestic deposits to total assets | 88.4975% | 1,379 |
| Equity capital to assets | 6.7211% | 5,820 |
| Core capital (leverage) ratio | 6.7144% | 5,829 |
| Tier 1 risk-based capital ratio | 10.0142% | 5,734 |
| Total risk-based capital ratio | 11.1385% | 5,732 |
| Memoranda: | ||
| Average total assets | $40,488,600 | 5,532 |
| Average earning assets | $38,412,600 | 5,500 |
| Average equity | $2,726,000 | 5,781 |
| Average total loans | $32,672,800 | 5,111 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1160% | 482 |
| Cost of funding earning assets | 0.9707% | 202 |
| Net interest margin | 4.1453% | 1,266 |
| Noninterest income to average assets | 0.4427% | 3,609 |
| Noninterest expense to average assets | 2.8922% | 2,665 |
| Loan and lease loss provision to assets | 0.0885% | 2,462 |
| Net operating income to assets | 1.3477% | 1,173 |
| Return on assets (ROA) | 1.3477% | 1,251 |
| Pretax return on assets | 1.3969% | 2,043 |
| Return on Equity (ROE) | 19.8565% | 247 |
| Retained earnings to average equity (ytd only) | 2.6571% | 4,322 |
| Net charge-offs to loans | 0.0285% | 3,091 |
| Credit loss provision to net charge-offs | 385.7143% | 862 |
| Earnings coverage of net charge-offs (x) | 64.7353% | 902 |
| Efficiency ratio | 66.0674% | 3,579 |
| Assets per employee ($millions) | 5.6974% | 1,662 |
| Cash dividends to net income (ytd only)* | 86.6165% | 594 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9263% | 4,773 |
| Loan loss allowance to noncurrent loans | 363.8554% | 1,387 |
| Noncurrent assets plus other real estate owned to assets | 0.4187% | 3,751 |
| Noncurrent loans to loans | 0.2546% | 4,357 |
| Net loans and leases to total assets | 80.9889% | 759 |
| Net loans and leases to deposits | 97.8907% | 864 |
| Net loans and leases to core deposits | 106.8369% | 1,122 |
| Total domestic deposits to total assets | 82.7341% | 3,694 |
| Equity capital to assets | 7.0408% | 5,885 |
| Core capital (leverage) ratio | 6.6251% | 5,904 |
| Tier 1 risk-based capital ratio | 9.9445% | 5,805 |
| Total risk-based capital ratio | 11.0626% | 5,811 |
| Memoranda: | ||
| Average total assets | $40,660,750 | 5,584 |
| Average earning assets | $38,597,000 | 5,551 |
| Average equity | $2,759,750 | 5,841 |
| Average total loans | $32,764,250 | 5,159 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1104% | 485 |
| Cost of funding earning assets | 0.9727% | 196 |
| Net interest margin | 4.1378% | 1,269 |
| Noninterest income to average assets | 0.4448% | 3,563 |
| Noninterest expense to average assets | 2.8397% | 2,882 |
| Loan and lease loss provision to assets | 0.0880% | 2,385 |
| Net operating income to assets | 1.3978% | 1,061 |
| Return on assets (ROA) | 1.3978% | 1,121 |
| Pretax return on assets | 1.4467% | 1,848 |
| Return on Equity (ROE) | 20.8480% | 201 |
| Retained earnings to average equity (ytd only) | 3.3532% | 3,766 |
| Net charge-offs to loans | 0.0366% | 2,726 |
| Credit loss provision to net charge-offs | 300.0000% | 956 |
| Earnings coverage of net charge-offs (x) | 52.3333% | 968 |
| Efficiency ratio | 64.9162% | 3,859 |
| Assets per employee ($millions) | 5.8857% | 1,489 |
| Cash dividends to net income (ytd only)* | 83.9161% | 816 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8963% | 4,969 |
| Loan loss allowance to noncurrent loans | 326.6667% | 1,517 |
| Noncurrent assets plus other real estate owned to assets | 0.5825% | 3,277 |
| Noncurrent loans to loans | 0.2744% | 4,385 |
| Net loans and leases to total assets | 78.9029% | 1,079 |
| Net loans and leases to deposits | 91.4508% | 1,581 |
| Net loans and leases to core deposits | 99.1551% | 1,699 |
| Total domestic deposits to total assets | 86.2791% | 2,284 |
| Equity capital to assets | 6.8277% | 5,976 |
| Core capital (leverage) ratio | 6.4107% | 5,979 |
| Tier 1 risk-based capital ratio | 9.6766% | 5,918 |
| Total risk-based capital ratio | 10.7389% | 5,933 |
| Memoranda: | ||
| Average total assets | $40,920,330 | 5,642 |
| Average earning assets | $38,861,670 | 5,608 |
| Average equity | $2,743,670 | 5,915 |
| Average total loans | $32,818,330 | 5,204 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1224% | 475 |
| Cost of funding earning assets | 0.9772% | 193 |
| Net interest margin | 4.1452% | 1,224 |
| Noninterest income to average assets | 0.4414% | 3,541 |
| Noninterest expense to average assets | 2.8249% | 2,976 |
| Loan and lease loss provision to assets | 0.0883% | 2,210 |
| Net operating income to assets | 1.4321% | 978 |
| Return on assets (ROA) | 1.4321% | 1,023 |
| Pretax return on assets | 1.4811% | 1,654 |
| Return on Equity (ROE) | 21.5578% | 177 |
| Retained earnings to average equity (ytd only) | 7.5305% | 1,651 |
| Net charge-offs to loans | 0.0731% | 1,749 |
| Credit loss provision to net charge-offs | 150.0000% | 1,273 |
| Earnings coverage of net charge-offs (x) | 26.6667% | 1,266 |
| Efficiency ratio | 64.2857% | 4,071 |
| Assets per employee ($millions) | 5.9170% | 1,474 |
| Cash dividends to net income (ytd only)* | 65.0685% | 1,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8502% | 5,224 |
| Loan loss allowance to noncurrent loans | 111.7647% | 3,387 |
| Noncurrent assets plus other real estate owned to assets | 0.6157% | 3,220 |
| Noncurrent loans to loans | 0.7607% | 2,930 |
| Net loans and leases to total assets | 80.2458% | 779 |
| Net loans and leases to deposits | 91.9495% | 1,354 |
| Net loans and leases to core deposits | 99.5507% | 1,517 |
| Total domestic deposits to total assets | 87.2715% | 2,065 |
| Equity capital to assets | 6.6733% | 6,029 |
| Core capital (leverage) ratio | 6.4675% | 6,033 |
| Tier 1 risk-based capital ratio | 9.6077% | 5,992 |
| Total risk-based capital ratio | 10.6287% | 6,007 |
| Memoranda: | ||
| Average total assets | $40,780,500 | 5,700 |
| Average earning assets | $38,888,000 | 5,661 |
| Average equity | $2,709,000 | 5,973 |
| Average total loans | $32,826,500 | 5,241 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9644% | 674 |
| Cost of funding earning assets | 1.0344% | 140 |
| Net interest margin | 3.9300% | 1,932 |
| Noninterest income to average assets | 0.4411% | 3,742 |
| Noninterest expense to average assets | 2.9312% | 2,759 |
| Loan and lease loss provision to assets | 0.0923% | 2,460 |
| Net operating income to assets | 1.1177% | 1,843 |
| Return on assets (ROA) | 1.2309% | 1,508 |
| Pretax return on assets | 1.2771% | 2,370 |
| Return on Equity (ROE) | 18.3613% | 357 |
| Retained earnings to average equity (ytd only) | 2.4864% | 4,301 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0797% | 3,208 |
| Assets per employee ($millions) | 5.7346% | 1,591 |
| Cash dividends to net income (ytd only)* | 86.4583% | 700 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8777% | 5,169 |
| Loan loss allowance to noncurrent loans | 116.5289% | 3,329 |
| Noncurrent assets plus other real estate owned to assets | 0.6029% | 3,274 |
| Noncurrent loans to loans | 0.7532% | 2,921 |
| Net loans and leases to total assets | 79.3408% | 942 |
| Net loans and leases to deposits | 90.4621% | 1,558 |
| Net loans and leases to core deposits | 95.2166% | 1,919 |
| Total domestic deposits to total assets | 87.7061% | 1,790 |
| Equity capital to assets | 6.6115% | 6,088 |
| Core capital (leverage) ratio | 6.6300% | 6,083 |
| Tier 1 risk-based capital ratio | 9.6082% | 6,028 |
| Total risk-based capital ratio | 10.6416% | 6,046 |
| Memoranda: | ||
| Average total assets | $38,994,600 | 5,782 |
| Average earning assets | $37,124,400 | 5,745 |
| Average equity | $2,614,200 | 6,041 |
| Average total loans | $29,980,800 | 5,358 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9371% | 705 |
| Cost of funding earning assets | 1.0388% | 144 |
| Net interest margin | 3.8983% | 2,038 |
| Noninterest income to average assets | 0.4512% | 3,705 |
| Noninterest expense to average assets | 2.9382% | 2,715 |
| Loan and lease loss provision to assets | 0.0930% | 2,307 |
| Net operating income to assets | 1.0926% | 2,043 |
| Return on assets (ROA) | 1.2262% | 1,627 |
| Pretax return on assets | 1.2676% | 2,524 |
| Return on Equity (ROE) | 18.2260% | 389 |
| Retained earnings to average equity (ytd only) | 1.5360% | 5,099 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6126% | 3,112 |
| Assets per employee ($millions) | 5.6316% | 1,657 |
| Cash dividends to net income (ytd only)* | 91.5748% | 494 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8983% | 5,212 |
| Loan loss allowance to noncurrent loans | 273.0000% | 1,736 |
| Noncurrent assets plus other real estate owned to assets | 0.2537% | 4,749 |
| Noncurrent loans to loans | 0.3290% | 4,428 |
| Net loans and leases to total assets | 76.4009% | 1,332 |
| Net loans and leases to deposits | 93.7700% | 1,227 |
| Net loans and leases to core deposits | 98.3638% | 1,661 |
| Total domestic deposits to total assets | 81.4769% | 4,335 |
| Equity capital to assets | 6.6437% | 6,171 |
| Core capital (leverage) ratio | 6.6196% | 6,162 |
| Tier 1 risk-based capital ratio | 9.8073% | 6,081 |
| Total risk-based capital ratio | 10.8425% | 6,101 |
| Memoranda: | ||
| Average total assets | $38,707,750 | 5,869 |
| Average earning assets | $36,836,000 | 5,827 |
| Average equity | $2,604,250 | 6,125 |
| Average total loans | $29,443,250 | 5,443 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8960% | 734 |
| Cost of funding earning assets | 1.0491% | 130 |
| Net interest margin | 3.8469% | 2,150 |
| Noninterest income to average assets | 0.4055% | 4,047 |
| Noninterest expense to average assets | 2.9114% | 2,860 |
| Loan and lease loss provision to assets | 0.0936% | 2,256 |
| Net operating income to assets | 1.0304% | 2,227 |
| Return on assets (ROA) | 1.2321% | 1,578 |
| Pretax return on assets | 1.2685% | 2,477 |
| Return on Equity (ROE) | 18.2355% | 400 |
| Retained earnings to average equity (ytd only) | 1.6158% | 4,889 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6113% | 3,050 |
| Assets per employee ($millions) | 5.5087% | 1,728 |
| Cash dividends to net income (ytd only)* | 91.1392% | 687 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8887% | 5,342 |
| Loan loss allowance to noncurrent loans | 419.0476% | 1,212 |
| Noncurrent assets plus other real estate owned to assets | 0.1634% | 5,221 |
| Noncurrent loans to loans | 0.2121% | 4,921 |
| Net loans and leases to total assets | 76.3543% | 1,325 |
| Net loans and leases to deposits | 87.6228% | 1,882 |
| Net loans and leases to core deposits | 93.2124% | 2,040 |
| Total domestic deposits to total assets | 87.1399% | 2,087 |
| Equity capital to assets | 6.6674% | 6,234 |
| Core capital (leverage) ratio | 6.7193% | 6,221 |
| Tier 1 risk-based capital ratio | 9.9267% | 6,110 |
| Total risk-based capital ratio | 10.9394% | 6,136 |
| Memoranda: | ||
| Average total assets | $38,470,000 | 5,936 |
| Average earning assets | $36,601,330 | 5,893 |
| Average equity | $2,599,330 | 6,196 |
| Average total loans | $29,127,330 | 5,512 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8635% | 759 |
| Cost of funding earning assets | 1.0430% | 139 |
| Net interest margin | 3.8206% | 2,164 |
| Noninterest income to average assets | 0.3852% | 4,120 |
| Noninterest expense to average assets | 2.9981% | 2,589 |
| Loan and lease loss provision to assets | 0.0937% | 2,128 |
| Net operating income to assets | 0.9036% | 2,728 |
| Return on assets (ROA) | 1.3117% | 1,319 |
| Pretax return on assets | 1.3325% | 2,143 |
| Return on Equity (ROE) | 19.2845% | 302 |
| Retained earnings to average equity (ytd only) | 2.4488% | 4,470 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8052% | 2,686 |
| Assets per employee ($millions) | 5.4530% | 1,835 |
| Cash dividends to net income (ytd only)* | 87.3016% | 859 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8792% | 5,503 |
| Loan loss allowance to noncurrent loans | 980.7692% | 547 |
| Noncurrent assets plus other real estate owned to assets | 0.0681% | 5,660 |
| Noncurrent loans to loans | 0.0896% | 5,425 |
| Net loans and leases to total assets | 75.3190% | 1,305 |
| Net loans and leases to deposits | 83.5877% | 2,131 |
| Net loans and leases to core deposits | 88.7866% | 2,241 |
| Total domestic deposits to total assets | 90.1077% | 695 |
| Equity capital to assets | 6.8927% | 6,272 |
| Core capital (leverage) ratio | 6.7336% | 6,263 |
| Tier 1 risk-based capital ratio | 10.2046% | 6,113 |
| Total risk-based capital ratio | 11.2121% | 6,139 |
| Memoranda: | ||
| Average total assets | $38,424,500 | 5,998 |
| Average earning assets | $36,434,500 | 5,953 |
| Average equity | $2,613,500 | 6,258 |
| Average total loans | $28,837,500 | 5,565 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0089% | 756 |
| Cost of funding earning assets | 1.1197% | 121 |
| Net interest margin | 3.8892% | 2,280 |
| Noninterest income to average assets | 0.4718% | 3,696 |
| Noninterest expense to average assets | 2.8391% | 3,345 |
| Loan and lease loss provision to assets | 0.1340% | 1,951 |
| Net operating income to assets | 1.1177% | 1,913 |
| Return on assets (ROA) | 1.1635% | 1,779 |
| Pretax return on assets | 1.2252% | 2,546 |
| Return on Equity (ROE) | 17.3350% | 452 |
| Retained earnings to average equity (ytd only) | 0.3994% | 5,594 |
| Net charge-offs to loans | 0.0368% | 4,101 |
| Credit loss provision to net charge-offs | 500.0000% | 518 |
| Earnings coverage of net charge-offs (x) | 48.9000% | 942 |
| Efficiency ratio | 68.4109% | 3,824 |
| Assets per employee ($millions) | 5.5254% | 1,745 |
| Cash dividends to net income (ytd only)* | 97.6959% | 401 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8580% | 5,611 |
| Loan loss allowance to noncurrent loans | 117.1429% | 3,368 |
| Noncurrent assets plus other real estate owned to assets | 0.5429% | 3,994 |
| Noncurrent loans to loans | 0.7325% | 3,489 |
| Net loans and leases to total assets | 73.4888% | 1,669 |
| Net loans and leases to deposits | 82.3693% | 2,428 |
| Net loans and leases to core deposits | 87.4692% | 2,556 |
| Total domestic deposits to total assets | 89.2187% | 1,109 |
| Equity capital to assets | 6.7118% | 6,361 |
| Core capital (leverage) ratio | 6.6653% | 6,348 |
| Tier 1 risk-based capital ratio | 10.2488% | 6,192 |
| Total risk-based capital ratio | 11.2314% | 6,212 |
| Memoranda: | ||
| Average total assets | $37,300,000 | 6,095 |
| Average earning assets | $35,277,000 | 6,054 |
| Average equity | $2,503,600 | 6,353 |
| Average total loans | $27,148,000 | 5,689 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0060% | 761 |
| Cost of funding earning assets | 1.1332% | 117 |
| Net interest margin | 3.8728% | 2,341 |
| Noninterest income to average assets | 0.4762% | 3,711 |
| Noninterest expense to average assets | 2.9079% | 3,089 |
| Loan and lease loss provision to assets | 0.0902% | 2,553 |
| Net operating income to assets | 1.0820% | 2,103 |
| Return on assets (ROA) | 1.1437% | 1,948 |
| Pretax return on assets | 1.2050% | 2,757 |
| Return on Equity (ROE) | 17.0393% | 541 |
| Retained earnings to average equity (ytd only) | -0.3761% | 5,860 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2703% | 3,465 |
| Assets per employee ($millions) | 5.4033% | 1,813 |
| Cash dividends to net income (ytd only)* | 102.2074% | 341 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8248% | 5,811 |
| Loan loss allowance to noncurrent loans | 41.6968% | 5,401 |
| Noncurrent assets plus other real estate owned to assets | 1.4647% | 2,107 |
| Noncurrent loans to loans | 1.9781% | 1,611 |
| Net loans and leases to total assets | 73.4342% | 1,606 |
| Net loans and leases to deposits | 82.7696% | 2,327 |
| Net loans and leases to core deposits | 88.0460% | 2,421 |
| Total domestic deposits to total assets | 88.7211% | 1,389 |
| Equity capital to assets | 6.6811% | 6,421 |
| Core capital (leverage) ratio | 6.7961% | 6,404 |
| Tier 1 risk-based capital ratio | 10.2990% | 6,262 |
| Total risk-based capital ratio | 11.2323% | 6,313 |
| Memoranda: | ||
| Average total assets | $36,955,500 | 6,180 |
| Average earning assets | $34,943,750 | 6,139 |
| Average equity | $2,480,500 | 6,430 |
| Average total loans | $26,767,500 | 5,767 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9859% | 770 |
| Cost of funding earning assets | 1.1395% | 122 |
| Net interest margin | 3.8464% | 2,395 |
| Noninterest income to average assets | 0.4364% | 3,979 |
| Noninterest expense to average assets | 2.8364% | 3,385 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.1722% | 1,680 |
| Return on assets (ROA) | 1.2655% | 1,466 |
| Pretax return on assets | 1.3255% | 2,171 |
| Return on Equity (ROE) | 18.8235% | 375 |
| Retained earnings to average equity (ytd only) | 2.7586% | 4,442 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7987% | 3,690 |
| Assets per employee ($millions) | 5.3503% | 1,829 |
| Cash dividends to net income (ytd only)* | 85.3448% | 784 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7689% | 6,056 |
| Loan loss allowance to noncurrent loans | 80.7843% | 4,157 |
| Noncurrent assets plus other real estate owned to assets | 0.6809% | 3,947 |
| Noncurrent loans to loans | 0.9517% | 3,341 |
| Net loans and leases to total assets | 70.9895% | 1,921 |
| Net loans and leases to deposits | 79.5756% | 2,577 |
| Net loans and leases to core deposits | 84.6747% | 2,663 |
| Total domestic deposits to total assets | 89.2102% | 1,242 |
| Equity capital to assets | 6.8381% | 6,464 |
| Core capital (leverage) ratio | 6.9392% | 6,443 |
| Tier 1 risk-based capital ratio | 10.7731% | 6,145 |
| Total risk-based capital ratio | 11.6303% | 6,247 |
| Memoranda: | ||
| Average total assets | $36,666,330 | 6,245 |
| Average earning assets | $34,577,670 | 6,207 |
| Average equity | $2,465,000 | 6,489 |
| Average total loans | $26,354,670 | 5,829 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9388% | 808 |
| Cost of funding earning assets | 1.1505% | 121 |
| Net interest margin | 3.7884% | 2,516 |
| Noninterest income to average assets | 0.3749% | 4,386 |
| Noninterest expense to average assets | 2.8671% | 3,322 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.0716% | 1,923 |
| Return on assets (ROA) | 1.1358% | 1,746 |
| Pretax return on assets | 1.1689% | 2,622 |
| Return on Equity (ROE) | 17.0459% | 530 |
| Retained earnings to average equity (ytd only) | 2.8134% | 4,404 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2222% | 3,447 |
| Assets per employee ($millions) | 6.1158% | 1,230 |
| Cash dividends to net income (ytd only)* | 83.4951% | 905 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7925% | 6,118 |
| Loan loss allowance to noncurrent loans | 158.4615% | 2,548 |
| Noncurrent assets plus other real estate owned to assets | 0.3543% | 5,098 |
| Noncurrent loans to loans | 0.5001% | 4,664 |
| Net loans and leases to total assets | 70.2766% | 1,839 |
| Net loans and leases to deposits | 78.1218% | 2,536 |
| Net loans and leases to core deposits | 81.8719% | 2,747 |
| Total domestic deposits to total assets | 89.9578% | 1,092 |
| Equity capital to assets | 6.7829% | 6,489 |
| Core capital (leverage) ratio | 7.0044% | 6,469 |
| Tier 1 risk-based capital ratio | 11.2097% | 6,070 |
| Total risk-based capital ratio | 12.1062% | 6,163 |
| Memoranda: | ||
| Average total assets | $36,273,500 | 6,321 |
| Average earning assets | $34,421,000 | 6,274 |
| Average equity | $2,417,000 | 6,551 |
| Average total loans | $26,135,500 | 5,889 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0707% | 799 |
| Cost of funding earning assets | 1.1781% | 200 |
| Net interest margin | 3.8927% | 2,310 |
| Noninterest income to average assets | 0.4439% | 4,129 |
| Noninterest expense to average assets | 2.9544% | 3,186 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.1126% | 1,890 |
| Return on assets (ROA) | 1.1845% | 1,693 |
| Pretax return on assets | 1.2400% | 2,415 |
| Return on Equity (ROE) | 16.7859% | 527 |
| Retained earnings to average equity (ytd only) | 0.2752% | 5,725 |
| Net charge-offs to loans | 0.0121% | 5,208 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 140.0000% | 330 |
| Efficiency ratio | 71.7172% | 3,529 |
| Assets per employee ($millions) | 5.9753% | 1,289 |
| Cash dividends to net income (ytd only)* | 98.3607% | 436 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7840% | 6,208 |
| Loan loss allowance to noncurrent loans | 302.9412% | 1,478 |
| Noncurrent assets plus other real estate owned to assets | 0.1897% | 5,741 |
| Noncurrent loans to loans | 0.2588% | 5,406 |
| Net loans and leases to total assets | 72.7184% | 1,557 |
| Net loans and leases to deposits | 81.0187% | 2,319 |
| Net loans and leases to core deposits | 85.0132% | 2,561 |
| Total domestic deposits to total assets | 89.7551% | 1,207 |
| Equity capital to assets | 6.5408% | 6,564 |
| Core capital (leverage) ratio | 7.1793% | 6,480 |
| Tier 1 risk-based capital ratio | 11.1362% | 6,104 |
| Total risk-based capital ratio | 12.0324% | 6,219 |
| Memoranda: | ||
| Average total assets | $36,048,200 | 6,390 |
| Average earning assets | $34,038,400 | 6,348 |
| Average equity | $2,543,800 | 6,619 |
| Average total loans | $24,693,400 | 5,998 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0697% | 820 |
| Cost of funding earning assets | 1.1784% | 218 |
| Net interest margin | 3.8914% | 2,309 |
| Noninterest income to average assets | 0.4469% | 4,177 |
| Noninterest expense to average assets | 2.9401% | 3,166 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.1242% | 1,914 |
| Return on assets (ROA) | 1.2189% | 1,645 |
| Pretax return on assets | 1.2780% | 2,418 |
| Return on Equity (ROE) | 16.9651% | 541 |
| Retained earnings to average equity (ytd only) | -0.4114% | 6,023 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.3901% | 3,535 |
| Assets per employee ($millions) | 5.7580% | 1,401 |
| Cash dividends to net income (ytd only)* | 102.4251% | 384 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8381% | 6,204 |
| Loan loss allowance to noncurrent loans | 197.1698% | 2,008 |
| Noncurrent assets plus other real estate owned to assets | 0.3068% | 5,500 |
| Noncurrent loans to loans | 0.4251% | 5,136 |
| Net loans and leases to total assets | 71.5787% | 1,667 |
| Net loans and leases to deposits | 79.7632% | 2,440 |
| Net loans and leases to core deposits | 83.1395% | 2,750 |
| Total domestic deposits to total assets | 89.7389% | 1,146 |
| Equity capital to assets | 6.6198% | 6,625 |
| Core capital (leverage) ratio | 7.2019% | 6,544 |
| Tier 1 risk-based capital ratio | 11.1544% | 6,216 |
| Total risk-based capital ratio | 12.0701% | 6,322 |
| Memoranda: | ||
| Average total assets | $36,097,250 | 6,461 |
| Average earning assets | $34,057,500 | 6,418 |
| Average equity | $2,593,500 | 6,685 |
| Average total loans | $24,297,500 | 6,076 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9731% | 951 |
| Cost of funding earning assets | 1.1592% | 246 |
| Net interest margin | 3.8139% | 2,498 |
| Noninterest income to average assets | 0.4370% | 4,268 |
| Noninterest expense to average assets | 2.8569% | 3,486 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.1217% | 1,855 |
| Return on assets (ROA) | 1.2618% | 1,524 |
| Pretax return on assets | 1.3219% | 2,223 |
| Return on Equity (ROE) | 17.1386% | 543 |
| Retained earnings to average equity (ytd only) | -0.1484% | 5,881 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8672% | 3,665 |
| Assets per employee ($millions) | 6.0902% | 1,138 |
| Cash dividends to net income (ytd only)* | 100.8658% | 504 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8351% | 6,289 |
| Loan loss allowance to noncurrent loans | 204.9020% | 1,948 |
| Noncurrent assets plus other real estate owned to assets | 0.2791% | 5,652 |
| Noncurrent loans to loans | 0.4076% | 5,244 |
| Net loans and leases to total assets | 67.9155% | 2,254 |
| Net loans and leases to deposits | 75.6708% | 2,925 |
| Net loans and leases to core deposits | 78.6867% | 3,202 |
| Total domestic deposits to total assets | 89.7512% | 1,172 |
| Equity capital to assets | 6.8143% | 6,638 |
| Core capital (leverage) ratio | 6.9078% | 6,631 |
| Tier 1 risk-based capital ratio | 11.4764% | 6,122 |
| Total risk-based capital ratio | 12.4162% | 6,232 |
| Memoranda: | ||
| Average total assets | $36,613,670 | 6,491 |
| Average earning assets | $34,505,330 | 6,450 |
| Average equity | $2,695,670 | 6,717 |
| Average total loans | $24,084,000 | 6,120 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9041% | 1,073 |
| Cost of funding earning assets | 1.1478% | 291 |
| Net interest margin | 3.7563% | 2,626 |
| Noninterest income to average assets | 0.4256% | 4,280 |
| Noninterest expense to average assets | 2.8158% | 3,639 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.0843% | 1,922 |
| Return on assets (ROA) | 1.3643% | 1,205 |
| Pretax return on assets | 1.4407% | 1,735 |
| Return on Equity (ROE) | 17.8667% | 446 |
| Retained earnings to average equity (ytd only) | 1.2864% | 5,338 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0744% | 3,779 |
| Assets per employee ($millions) | 6.1687% | 1,154 |
| Cash dividends to net income (ytd only)* | 92.8000% | 722 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8919% | 6,276 |
| Loan loss allowance to noncurrent loans | 121.5116% | 2,855 |
| Noncurrent assets plus other real estate owned to assets | 0.4647% | 5,219 |
| Noncurrent loans to loans | 0.7340% | 4,663 |
| Net loans and leases to total assets | 62.7472% | 2,930 |
| Net loans and leases to deposits | 70.5018% | 3,395 |
| Net loans and leases to core deposits | 73.2942% | 3,667 |
| Total domestic deposits to total assets | 89.0009% | 1,681 |
| Equity capital to assets | 7.5543% | 6,576 |
| Core capital (leverage) ratio | 7.0513% | 6,626 |
| Tier 1 risk-based capital ratio | 11.9677% | 5,937 |
| Total risk-based capital ratio | 12.9436% | 6,062 |
| Memoranda: | ||
| Average total assets | $36,650,000 | 6,556 |
| Average earning assets | $34,502,000 | 6,508 |
| Average equity | $2,798,500 | 6,764 |
| Average total loans | $23,613,000 | 6,196 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2761% | 975 |
| Cost of funding earning assets | 1.3235% | 338 |
| Net interest margin | 3.9526% | 2,594 |
| Noninterest income to average assets | 0.4593% | 4,179 |
| Noninterest expense to average assets | 3.0163% | 3,211 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.1020% | 1,930 |
| Return on assets (ROA) | 1.3359% | 1,348 |
| Pretax return on assets | 1.3919% | 2,068 |
| Return on Equity (ROE) | 16.8897% | 548 |
| Retained earnings to average equity (ytd only) | 0.2124% | 5,741 |
| Net charge-offs to loans | 0.0891% | 4,788 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 19.5238% | 1,381 |
| Efficiency ratio | 72.4277% | 3,335 |
| Assets per employee ($millions) | 6.0480% | 1,252 |
| Cash dividends to net income (ytd only)* | 98.7421% | 503 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8784% | 6,314 |
| Loan loss allowance to noncurrent loans | 331.7460% | 1,180 |
| Noncurrent assets plus other real estate owned to assets | 0.3748% | 5,574 |
| Noncurrent loans to loans | 0.2648% | 5,816 |
| Net loans and leases to total assets | 64.9912% | 2,722 |
| Net loans and leases to deposits | 73.2263% | 3,224 |
| Net loans and leases to core deposits | 75.5728% | 3,594 |
| Total domestic deposits to total assets | 88.7539% | 1,732 |
| Equity capital to assets | 7.7188% | 6,542 |
| Core capital (leverage) ratio | 7.1182% | 6,663 |
| Tier 1 risk-based capital ratio | 11.6738% | 5,975 |
| Total risk-based capital ratio | 12.6291% | 6,145 |
| Memoranda: | ||
| Average total assets | $35,705,800 | 6,612 |
| Average earning assets | $33,471,400 | 6,571 |
| Average equity | $2,824,200 | 6,818 |
| Average total loans | $23,580,400 | 6,261 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3155% | 982 |
| Cost of funding earning assets | 1.3439% | 366 |
| Net interest margin | 3.9716% | 2,615 |
| Noninterest income to average assets | 0.4687% | 4,146 |
| Noninterest expense to average assets | 3.0670% | 2,989 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.0816% | 2,162 |
| Return on assets (ROA) | 1.3948% | 1,364 |
| Pretax return on assets | 1.4510% | 2,072 |
| Return on Equity (ROE) | 17.5261% | 549 |
| Retained earnings to average equity (ytd only) | 2.4028% | 5,130 |
| Net charge-offs to loans | 0.0567% | 4,862 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 30.0068% | 1,098 |
| Efficiency ratio | 73.1664% | 3,124 |
| Assets per employee ($millions) | 5.8480% | 1,340 |
| Cash dividends to net income (ytd only)* | 86.2900% | 525 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9049% | 6,366 |
| Loan loss allowance to noncurrent loans | 120.2186% | 2,774 |
| Noncurrent assets plus other real estate owned to assets | 0.7324% | 4,849 |
| Noncurrent loans to loans | 0.7527% | 4,913 |
| Net loans and leases to total assets | 68.6617% | 2,182 |
| Net loans and leases to deposits | 77.9954% | 2,660 |
| Net loans and leases to core deposits | 80.6049% | 3,130 |
| Total domestic deposits to total assets | 88.0329% | 2,028 |
| Equity capital to assets | 8.1167% | 6,536 |
| Core capital (leverage) ratio | 7.2881% | 6,719 |
| Tier 1 risk-based capital ratio | 11.2671% | 6,374 |
| Total risk-based capital ratio | 12.2234% | 6,472 |
| Memoranda: | ||
| Average total assets | $35,560,250 | 6,701 |
| Average earning assets | $33,336,000 | 6,657 |
| Average equity | $2,830,000 | 6,905 |
| Average total loans | $23,527,250 | 6,348 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2640% | 1,113 |
| Cost of funding earning assets | 1.3636% | 402 |
| Net interest margin | 3.9004% | 2,906 |
| Noninterest income to average assets | 0.4424% | 4,350 |
| Noninterest expense to average assets | 3.1413% | 2,774 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.9322% | 2,751 |
| Return on assets (ROA) | 1.3999% | 1,333 |
| Pretax return on assets | 1.4559% | 1,989 |
| Return on Equity (ROE) | 17.7054% | 538 |
| Retained earnings to average equity (ytd only) | 0.9915% | 5,681 |
| Net charge-offs to loans | 0.0860% | 4,288 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 17.3000% | 1,538 |
| Efficiency ratio | 76.4305% | 2,682 |
| Assets per employee ($millions) | 5.0711% | 2,073 |
| Cash dividends to net income (ytd only)* | 94.4000% | 528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9117% | 6,430 |
| Loan loss allowance to noncurrent loans | 135.8025% | 2,447 |
| Noncurrent assets plus other real estate owned to assets | 0.6648% | 5,118 |
| Noncurrent loans to loans | 0.6714% | 5,161 |
| Net loans and leases to total assets | 67.3559% | 2,396 |
| Net loans and leases to deposits | 76.2315% | 2,954 |
| Net loans and leases to core deposits | 80.0656% | 3,213 |
| Total domestic deposits to total assets | 88.3571% | 1,927 |
| Equity capital to assets | 7.8680% | 6,643 |
| Core capital (leverage) ratio | 6.8837% | 6,850 |
| Tier 1 risk-based capital ratio | 11.6261% | 6,156 |
| Total risk-based capital ratio | 12.6248% | 6,268 |
| Memoranda: | ||
| Average total assets | $35,717,670 | 6,748 |
| Average earning assets | $33,586,670 | 6,697 |
| Average equity | $2,824,000 | 6,947 |
| Average total loans | $23,265,670 | 6,403 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2473% | 1,209 |
| Cost of funding earning assets | 1.3652% | 477 |
| Net interest margin | 3.8821% | 2,995 |
| Noninterest income to average assets | 0.4466% | 4,316 |
| Noninterest expense to average assets | 2.9810% | 3,330 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.0722% | 2,198 |
| Return on assets (ROA) | 1.0830% | 2,339 |
| Pretax return on assets | 1.1276% | 3,207 |
| Return on Equity (ROE) | 13.6644% | 1,263 |
| Retained earnings to average equity (ytd only) | -1.2678% | 6,187 |
| Net charge-offs to loans | 0.1752% | 3,044 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 10.0000% | 1,788 |
| Efficiency ratio | 72.7520% | 3,302 |
| Assets per employee ($millions) | 5.1330% | 2,078 |
| Cash dividends to net income (ytd only)* | 109.2784% | 479 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9587% | 6,392 |
| Loan loss allowance to noncurrent loans | 103.2864% | 2,989 |
| Noncurrent assets plus other real estate owned to assets | 0.7960% | 4,956 |
| Noncurrent loans to loans | 0.9282% | 4,810 |
| Net loans and leases to total assets | 63.2546% | 2,991 |
| Net loans and leases to deposits | 71.6045% | 3,493 |
| Net loans and leases to core deposits | 73.9338% | 3,908 |
| Total domestic deposits to total assets | 88.3388% | 2,101 |
| Equity capital to assets | 7.8734% | 6,598 |
| Core capital (leverage) ratio | 7.0006% | 6,837 |
| Tier 1 risk-based capital ratio | 11.5102% | 6,278 |
| Total risk-based capital ratio | 12.5079% | 6,391 |
| Memoranda: | ||
| Average total assets | $35,827,500 | 6,800 |
| Average earning assets | $33,693,500 | 6,751 |
| Average equity | $2,839,500 | 6,994 |
| Average total loans | $22,833,500 | 6,473 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3247% | 1,632 |
| Cost of funding earning assets | 1.5625% | 553 |
| Net interest margin | 3.7622% | 4,022 |
| Noninterest income to average assets | 0.5622% | 3,413 |
| Noninterest expense to average assets | 2.8790% | 4,046 |
| Loan and lease loss provision to assets | 0.0869% | 5,508 |
| Net operating income to assets | 1.1301% | 1,725 |
| Return on assets (ROA) | 1.4151% | 1,075 |
| Pretax return on assets | 1.4287% | 1,689 |
| Return on Equity (ROE) | 19.0146% | 314 |
| Retained earnings to average equity (ytd only) | 2.1168% | 4,706 |
| Net charge-offs to loans | 0.1485% | 4,955 |
| Credit loss provision to net charge-offs | 96.9697% | 3,715 |
| Earnings coverage of net charge-offs (x) | 13.6970% | 1,520 |
| Efficiency ratio | 70.1058% | 3,931 |
| Assets per employee ($millions) | 5.1034% | 2,061 |
| Cash dividends to net income (ytd only)* | 88.8676% | 543 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0124% | 6,156 |
| Loan loss allowance to noncurrent loans | 95.0413% | 3,172 |
| Noncurrent assets plus other real estate owned to assets | 0.8790% | 4,865 |
| Noncurrent loans to loans | 1.0652% | 4,578 |
| Net loans and leases to total assets | 62.9521% | 3,415 |
| Net loans and leases to deposits | 71.3574% | 3,893 |
| Net loans and leases to core deposits | 73.6958% | 4,285 |
| Total domestic deposits to total assets | 88.2208% | 2,014 |
| Equity capital to assets | 7.9778% | 6,584 |
| Core capital (leverage) ratio | 7.0756% | 6,839 |
| Tier 1 risk-based capital ratio | 11.9008% | 5,899 |
| Total risk-based capital ratio | 12.9754% | 5,994 |
| Memoranda: | ||
| Average total assets | $36,817,800 | 6,771 |
| Average earning assets | $34,687,200 | 6,723 |
| Average equity | $2,740,000 | 7,069 |
| Average total loans | $22,215,400 | 6,542 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3299% | 1,758 |
| Cost of funding earning assets | 1.6039% | 570 |
| Net interest margin | 3.7259% | 4,220 |
| Noninterest income to average assets | 0.5644% | 3,411 |
| Noninterest expense to average assets | 2.8937% | 3,959 |
| Loan and lease loss provision to assets | 0.1150% | 4,991 |
| Net operating income to assets | 1.0570% | 2,117 |
| Return on assets (ROA) | 1.4343% | 1,158 |
| Pretax return on assets | 1.4523% | 1,779 |
| Return on Equity (ROE) | 19.6125% | 337 |
| Retained earnings to average equity (ytd only) | 0.8848% | 5,650 |
| Net charge-offs to loans | 0.1932% | 4,258 |
| Credit loss provision to net charge-offs | 100.0000% | 3,366 |
| Earnings coverage of net charge-offs (x) | 10.3115% | 1,943 |
| Efficiency ratio | 70.9251% | 3,758 |
| Assets per employee ($millions) | 5.1359% | 2,013 |
| Cash dividends to net income (ytd only)* | 95.4886% | 348 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0970% | 5,902 |
| Loan loss allowance to noncurrent loans | 61.9303% | 4,374 |
| Noncurrent assets plus other real estate owned to assets | 1.2183% | 4,358 |
| Noncurrent loans to loans | 1.7714% | 3,680 |
| Net loans and leases to total assets | 57.9288% | 4,527 |
| Net loans and leases to deposits | 65.5442% | 4,966 |
| Net loans and leases to core deposits | 69.4802% | 5,012 |
| Total domestic deposits to total assets | 88.3814% | 1,818 |
| Equity capital to assets | 7.7494% | 6,824 |
| Core capital (leverage) ratio | 6.7124% | 7,030 |
| Tier 1 risk-based capital ratio | 12.1575% | 5,773 |
| Total risk-based capital ratio | 13.2777% | 5,866 |
| Memoranda: | ||
| Average total assets | $37,091,250 | 6,825 |
| Average earning assets | $34,997,000 | 6,777 |
| Average equity | $2,712,500 | 7,140 |
| Average total loans | $22,089,500 | 6,612 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3114% | 1,849 |
| Cost of funding earning assets | 1.6460% | 576 |
| Net interest margin | 3.6654% | 4,438 |
| Noninterest income to average assets | 0.5498% | 3,477 |
| Noninterest expense to average assets | 2.8288% | 4,316 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.1529% | 1,710 |
| Return on assets (ROA) | 1.1529% | 1,790 |
| Pretax return on assets | 1.1796% | 2,562 |
| Return on Equity (ROE) | 16.0714% | 665 |
| Retained earnings to average equity (ytd only) | -1.8601% | 6,225 |
| Net charge-offs to loans | 0.2229% | 3,790 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 8.8400% | 1,999 |
| Efficiency ratio | 70.5726% | 4,015 |
| Assets per employee ($millions) | 4.6759% | 2,581 |
| Cash dividends to net income (ytd only)* | 111.5741% | 345 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9840% | 6,398 |
| Loan loss allowance to noncurrent loans | 62.4242% | 4,322 |
| Noncurrent assets plus other real estate owned to assets | 1.3206% | 4,266 |
| Noncurrent loans to loans | 1.5762% | 4,035 |
| Net loans and leases to total assets | 55.4174% | 5,082 |
| Net loans and leases to deposits | 64.3289% | 5,232 |
| Net loans and leases to core deposits | 69.7393% | 5,102 |
| Total domestic deposits to total assets | 86.1470% | 3,242 |
| Equity capital to assets | 7.3382% | 7,022 |
| Core capital (leverage) ratio | 6.2814% | 7,159 |
| Tier 1 risk-based capital ratio | 11.9455% | 5,828 |
| Total risk-based capital ratio | 12.9442% | 6,021 |
| Memoranda: | ||
| Average total assets | $37,471,330 | 6,870 |
| Average earning assets | $35,358,000 | 6,825 |
| Average equity | $2,688,000 | 7,207 |
| Average total loans | $22,433,670 | 6,667 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3310% | 1,777 |
| Cost of funding earning assets | 1.7430% | 467 |
| Net interest margin | 3.5880% | 4,623 |
| Noninterest income to average assets | 0.5653% | 3,403 |
| Noninterest expense to average assets | 2.8477% | 4,274 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.0452% | 2,017 |
| Return on assets (ROA) | 1.0452% | 2,071 |
| Pretax return on assets | 1.0986% | 2,758 |
| Return on Equity (ROE) | 14.7396% | 864 |
| Retained earnings to average equity (ytd only) | -9.1747% | 6,825 |
| Net charge-offs to loans | 0.2588% | 3,034 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 6.8667% | 2,035 |
| Efficiency ratio | 72.1622% | 3,827 |
| Assets per employee ($millions) | 5.3764% | 1,690 |
| Cash dividends to net income (ytd only)* | 162.2449% | 285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9566% | 6,524 |
| Loan loss allowance to noncurrent loans | 62.0690% | 4,311 |
| Noncurrent assets plus other real estate owned to assets | 1.1452% | 4,645 |
| Noncurrent loans to loans | 1.5412% | 4,157 |
| Net loans and leases to total assets | 59.4234% | 4,381 |
| Net loans and leases to deposits | 66.5674% | 4,891 |
| Net loans and leases to core deposits | 71.2320% | 4,898 |
| Total domestic deposits to total assets | 89.2680% | 1,600 |
| Equity capital to assets | 6.9111% | 7,109 |
| Core capital (leverage) ratio | 6.3251% | 7,203 |
| Tier 1 risk-based capital ratio | 11.3215% | 6,232 |
| Total risk-based capital ratio | 12.3286% | 6,430 |
| Memoranda: | ||
| Average total assets | $37,503,500 | 6,924 |
| Average earning assets | $35,340,500 | 6,868 |
| Average equity | $2,659,500 | 7,251 |
| Average total loans | $23,182,500 | 6,686 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4598% | 2,437 |
| Cost of funding earning assets | 2.1403% | 373 |
| Net interest margin | 3.3195% | 5,914 |
| Noninterest income to average assets | 0.5226% | 4,008 |
| Noninterest expense to average assets | 2.6257% | 5,312 |
| Loan and lease loss provision to assets | 0.0328% | 6,816 |
| Net operating income to assets | 0.9558% | 2,185 |
| Return on assets (ROA) | 1.1513% | 1,623 |
| Pretax return on assets | 1.1765% | 2,301 |
| Return on Equity (ROE) | 16.8402% | 495 |
| Retained earnings to average equity (ytd only) | 4.7271% | 2,593 |
| Net charge-offs to loans | 0.0550% | 6,240 |
| Credit loss provision to net charge-offs | 100.0000% | 4,560 |
| Earnings coverage of net charge-offs (x) | 30.7692% | 716 |
| Efficiency ratio | 72.2222% | 3,748 |
| Assets per employee ($millions) | 5.3389% | 1,722 |
| Cash dividends to net income (ytd only)* | 71.9298% | 1,137 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9712% | 6,484 |
| Loan loss allowance to noncurrent loans | 94.6721% | 3,027 |
| Noncurrent assets plus other real estate owned to assets | 0.8750% | 5,262 |
| Noncurrent loans to loans | 1.0259% | 5,017 |
| Net loans and leases to total assets | 63.0258% | 4,065 |
| Net loans and leases to deposits | 70.8945% | 4,703 |
| Net loans and leases to core deposits | 75.9219% | 4,727 |
| Total domestic deposits to total assets | 88.9008% | 1,712 |
| Equity capital to assets | 7.2728% | 7,007 |
| Core capital (leverage) ratio | 6.3796% | 7,220 |
| Tier 1 risk-based capital ratio | 11.0730% | 6,277 |
| Total risk-based capital ratio | 12.1007% | 6,416 |
| Memoranda: | ||
| Average total assets | $39,608,800 | 6,880 |
| Average earning assets | $37,144,400 | 6,834 |
| Average equity | $2,707,800 | 7,351 |
| Average total loans | $23,639,000 | 6,746 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4264% | 2,759 |
| Cost of funding earning assets | 2.1606% | 432 |
| Net interest margin | 3.2657% | 6,122 |
| Noninterest income to average assets | 0.5078% | 4,121 |
| Noninterest expense to average assets | 2.5061% | 5,699 |
| Loan and lease loss provision to assets | 0.0332% | 6,742 |
| Net operating income to assets | 0.9650% | 2,356 |
| Return on assets (ROA) | 1.2115% | 1,644 |
| Pretax return on assets | 1.2912% | 2,199 |
| Return on Equity (ROE) | 17.9891% | 483 |
| Retained earnings to average equity (ytd only) | 2.5628% | 4,627 |
| Net charge-offs to loans | 0.0734% | 5,785 |
| Credit loss provision to net charge-offs | 76.9231% | 5,225 |
| Earnings coverage of net charge-offs (x) | 24.6197% | 1,017 |
| Efficiency ratio | 70.2326% | 4,014 |
| Assets per employee ($millions) | 5.6040% | 1,531 |
| Cash dividends to net income (ytd only)* | 85.7536% | 520 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9913% | 6,436 |
| Loan loss allowance to noncurrent loans | 164.0288% | 1,734 |
| Noncurrent assets plus other real estate owned to assets | 1.2134% | 4,720 |
| Noncurrent loans to loans | 0.6043% | 5,999 |
| Net loans and leases to total assets | 58.0529% | 5,259 |
| Net loans and leases to deposits | 68.0319% | 5,417 |
| Net loans and leases to core deposits | 72.8177% | 5,423 |
| Total domestic deposits to total assets | 85.3319% | 3,445 |
| Equity capital to assets | 6.9517% | 7,356 |
| Core capital (leverage) ratio | 5.9721% | 7,440 |
| Tier 1 risk-based capital ratio | 10.6570% | 6,669 |
| Total risk-based capital ratio | 11.6644% | 6,820 |
| Memoranda: | ||
| Average total assets | $40,168,000 | 6,942 |
| Average earning assets | $37,642,250 | 6,888 |
| Average equity | $2,705,250 | 7,447 |
| Average total loans | $23,602,500 | 6,837 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4554% | 2,730 |
| Cost of funding earning assets | 2.1420% | 568 |
| Net interest margin | 3.3133% | 5,967 |
| Noninterest income to average assets | 0.4842% | 4,247 |
| Noninterest expense to average assets | 2.4456% | 5,925 |
| Loan and lease loss provision to assets | 0.0494% | 6,474 |
| Net operating income to assets | 1.0204% | 2,117 |
| Return on assets (ROA) | 1.3834% | 1,189 |
| Pretax return on assets | 1.4822% | 1,607 |
| Return on Equity (ROE) | 20.7561% | 270 |
| Retained earnings to average equity (ytd only) | 4.3736% | 3,291 |
| Net charge-offs to loans | 0.0756% | 5,385 |
| Credit loss provision to net charge-offs | 111.1111% | 3,644 |
| Earnings coverage of net charge-offs (x) | 25.6667% | 1,025 |
| Efficiency ratio | 68.1818% | 4,543 |
| Assets per employee ($millions) | 5.8266% | 1,358 |
| Cash dividends to net income (ytd only)* | 78.9286% | 781 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9616% | 6,562 |
| Loan loss allowance to noncurrent loans | 84.6715% | 3,221 |
| Noncurrent assets plus other real estate owned to assets | 1.2897% | 4,569 |
| Noncurrent loans to loans | 1.1357% | 5,061 |
| Net loans and leases to total assets | 58.5863% | 5,317 |
| Net loans and leases to deposits | 68.1877% | 5,541 |
| Net loans and leases to core deposits | 78.7496% | 4,840 |
| Total domestic deposits to total assets | 85.9192% | 3,136 |
| Equity capital to assets | 6.6420% | 7,453 |
| Core capital (leverage) ratio | 5.9487% | 7,486 |
| Tier 1 risk-based capital ratio | 10.3320% | 6,814 |
| Total risk-based capital ratio | 11.3221% | 6,963 |
| Memoranda: | ||
| Average total assets | $40,481,330 | 6,980 |
| Average earning assets | $37,907,670 | 6,929 |
| Average equity | $2,698,000 | 7,499 |
| Average total loans | $23,803,000 | 6,876 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5305% | 2,455 |
| Cost of funding earning assets | 2.1214% | 753 |
| Net interest margin | 3.4091% | 5,544 |
| Noninterest income to average assets | 0.4761% | 4,233 |
| Noninterest expense to average assets | 2.5094% | 5,692 |
| Loan and lease loss provision to assets | 0.0496% | 6,166 |
| Net operating income to assets | 1.0744% | 1,915 |
| Return on assets (ROA) | 1.8647% | 475 |
| Pretax return on assets | 1.9440% | 675 |
| Return on Equity (ROE) | 27.9294% | 112 |
| Retained earnings to average equity (ytd only) | 8.7651% | 1,465 |
| Net charge-offs to loans | 0.1015% | 4,402 |
| Credit loss provision to net charge-offs | 83.3333% | 3,799 |
| Earnings coverage of net charge-offs (x) | 19.6667% | 1,188 |
| Efficiency ratio | 68.1941% | 4,686 |
| Assets per employee ($millions) | 5.6251% | 1,563 |
| Cash dividends to net income (ytd only)* | 68.6170% | 1,062 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9875% | 6,524 |
| Loan loss allowance to noncurrent loans | 193.2773% | 1,467 |
| Noncurrent assets plus other real estate owned to assets | 0.9117% | 5,333 |
| Noncurrent loans to loans | 0.5109% | 6,269 |
| Net loans and leases to total assets | 58.5661% | 5,336 |
| Net loans and leases to deposits | 68.5482% | 5,531 |
| Net loans and leases to core deposits | 78.3269% | 4,985 |
| Total domestic deposits to total assets | 85.4378% | 3,444 |
| Equity capital to assets | 6.8265% | 7,436 |
| Core capital (leverage) ratio | 6.0200% | 7,576 |
| Tier 1 risk-based capital ratio | 10.6878% | 6,456 |
| Total risk-based capital ratio | 11.7032% | 6,669 |
| Memoranda: | ||
| Average total assets | $40,329,000 | 7,076 |
| Average earning assets | $37,899,000 | 7,025 |
| Average equity | $2,692,500 | 7,584 |
| Average total loans | $23,641,000 | 6,967 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7896% | 2,701 |
| Cost of funding earning assets | 2.2729% | 1,759 |
| Net interest margin | 3.5167% | 4,882 |
| Noninterest income to average assets | 0.5319% | 4,162 |
| Noninterest expense to average assets | 2.5750% | 5,887 |
| Loan and lease loss provision to assets | 0.1118% | 6,525 |
| Net operating income to assets | 1.1359% | 1,425 |
| Return on assets (ROA) | 1.1359% | 1,449 |
| Pretax return on assets | 1.1831% | 1,999 |
| Return on Equity (ROE) | 17.2492% | 431 |
| Retained earnings to average equity (ytd only) | 2.8308% | 3,183 |
| Net charge-offs to loans | 0.2886% | 4,827 |
| Credit loss provision to net charge-offs | 65.2174% | 6,562 |
| Earnings coverage of net charge-offs (x) | 7.5507% | 2,125 |
| Efficiency ratio | 66.5382% | 5,284 |
| Assets per employee ($millions) | 5.8974% | 1,326 |
| Cash dividends to net income (ytd only)* | 83.5886% | 1,051 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9629% | 6,568 |
| Loan loss allowance to noncurrent loans | 721.8750% | 477 |
| Noncurrent assets plus other real estate owned to assets | 0.5620% | 6,051 |
| Noncurrent loans to loans | 0.1334% | 7,097 |
| Net loans and leases to total assets | 57.5554% | 5,735 |
| Net loans and leases to deposits | 66.8091% | 5,967 |
| Net loans and leases to core deposits | 93.1472% | 4,764 |
| Total domestic deposits to total assets | 86.1489% | 2,936 |
| Equity capital to assets | 6.5331% | 7,551 |
| Core capital (leverage) ratio | 6.1250% | 7,604 |
| Tier 1 risk-based capital ratio | 10.1828% | 6,700 |
| Total risk-based capital ratio | 11.1787% | 6,911 |
| Memoranda: | ||
| Average total assets | $40,233,400 | 7,084 |
| Average earning assets | $38,189,200 | 7,007 |
| Average equity | $2,649,400 | 7,689 |
| Average total loans | $23,904,600 | 6,983 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8486% | 2,670 |
| Cost of funding earning assets | 2.3303% | 1,876 |
| Net interest margin | 3.5183% | 4,792 |
| Noninterest income to average assets | 0.5637% | 3,981 |
| Noninterest expense to average assets | 2.5484% | 5,900 |
| Loan and lease loss provision to assets | 0.1168% | 6,199 |
| Net operating income to assets | 1.1975% | 1,473 |
| Return on assets (ROA) | 1.1975% | 1,533 |
| Pretax return on assets | 1.2475% | 2,113 |
| Return on Equity (ROE) | 18.1479% | 440 |
| Retained earnings to average equity (ytd only) | 3.8419% | 3,145 |
| Net charge-offs to loans | -0.0167% | 7,744 |
| Credit loss provision to net charge-offs | -1,166.6667% | 7,335 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1321% | 5,526 |
| Assets per employee ($millions) | 5.4273% | 1,683 |
| Cash dividends to net income (ytd only)* | 78.8300% | 985 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2168% | 5,021 |
| Loan loss allowance to noncurrent loans | 81.1634% | 3,366 |
| Noncurrent assets plus other real estate owned to assets | 0.9502% | 5,161 |
| Noncurrent loans to loans | 1.4992% | 4,413 |
| Net loans and leases to total assets | 62.6096% | 5,138 |
| Net loans and leases to deposits | 74.3336% | 5,324 |
| Net loans and leases to core deposits | 102.1384% | 4,141 |
| Total domestic deposits to total assets | 84.2278% | 3,609 |
| Equity capital to assets | 7.1675% | 7,511 |
| Core capital (leverage) ratio | 5.9798% | 7,800 |
| Tier 1 risk-based capital ratio | 10.4801% | 6,489 |
| Total risk-based capital ratio | 11.7303% | 6,443 |
| Memoranda: | ||
| Average total assets | $39,971,250 | 7,153 |
| Average earning assets | $38,048,000 | 7,067 |
| Average equity | $2,637,500 | 7,770 |
| Average total loans | $23,883,000 | 7,040 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6765% | 3,683 |
| Cost of funding earning assets | 2.3264% | 2,254 |
| Net interest margin | 3.3500% | 5,363 |
| Noninterest income to average assets | 0.6054% | 3,644 |
| Noninterest expense to average assets | 2.4513% | 6,292 |
| Loan and lease loss provision to assets | 0.1231% | 5,880 |
| Net operating income to assets | 1.1715% | 1,557 |
| Return on assets (ROA) | 1.1715% | 1,637 |
| Pretax return on assets | 1.2207% | 2,241 |
| Return on Equity (ROE) | 18.2445% | 471 |
| Retained earnings to average equity (ytd only) | 4.9828% | 2,518 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5914% | 5,789 |
| Assets per employee ($millions) | 5.7187% | 1,407 |
| Cash dividends to net income (ytd only)* | 72.6891% | 1,282 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1700% | 5,146 |
| Loan loss allowance to noncurrent loans | 1,000.0000% | 359 |
| Noncurrent assets plus other real estate owned to assets | 0.0699% | 7,408 |
| Noncurrent loans to loans | 0.1170% | 7,226 |
| Net loans and leases to total assets | 59.0817% | 5,826 |
| Net loans and leases to deposits | 68.8831% | 6,106 |
| Net loans and leases to core deposits | 101.7597% | 4,299 |
| Total domestic deposits to total assets | 85.7710% | 2,894 |
| Equity capital to assets | 6.4925% | 7,820 |
| Core capital (leverage) ratio | 6.0490% | 7,914 |
| Tier 1 risk-based capital ratio | 10.0089% | 6,908 |
| Total risk-based capital ratio | 11.2000% | 6,915 |
| Memoranda: | ||
| Average total assets | $40,631,330 | 7,181 |
| Average earning assets | $38,686,000 | 7,105 |
| Average equity | $2,609,000 | 7,854 |
| Average total loans | $23,817,670 | 7,097 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7286% | 3,650 |
| Cost of funding earning assets | 2.3058% | 2,671 |
| Net interest margin | 3.4228% | 5,040 |
| Noninterest income to average assets | 0.5863% | 3,648 |
| Noninterest expense to average assets | 2.4333% | 6,086 |
| Loan and lease loss provision to assets | 0.1368% | 5,210 |
| Net operating income to assets | 1.2313% | 1,559 |
| Return on assets (ROA) | 1.2313% | 1,670 |
| Pretax return on assets | 1.2802% | 2,347 |
| Return on Equity (ROE) | 19.2808% | 480 |
| Retained earnings to average equity (ytd only) | 5.0497% | 3,093 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1980% | 5,832 |
| Assets per employee ($millions) | 5.4943% | 1,569 |
| Cash dividends to net income (ytd only)* | 73.8095% | 1,197 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1303% | 5,258 |
| Loan loss allowance to noncurrent loans | 1,793.3333% | 249 |
| Noncurrent assets plus other real estate owned to assets | 0.0390% | 7,498 |
| Noncurrent loans to loans | 0.0630% | 7,350 |
| Net loans and leases to total assets | 61.1830% | 5,468 |
| Net loans and leases to deposits | 72.0109% | 5,745 |
| Net loans and leases to core deposits | 99.0904% | 4,630 |
| Total domestic deposits to total assets | 84.9636% | 3,221 |
| Equity capital to assets | 6.8721% | 7,737 |
| Core capital (leverage) ratio | 6.0028% | 8,004 |
| Tier 1 risk-based capital ratio | 10.2102% | 6,705 |
| Total risk-based capital ratio | 11.3930% | 6,677 |
| Memoranda: | ||
| Average total assets | $40,931,500 | 7,206 |
| Average earning assets | $39,032,500 | 7,125 |
| Average equity | $2,614,000 | 7,901 |
| Average total loans | $23,761,000 | 7,147 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0443% | 5,331 |
| Cost of funding earning assets | 2.6766% | 3,285 |
| Net interest margin | 3.3677% | 5,793 |
| Noninterest income to average assets | 0.6115% | 3,766 |
| Noninterest expense to average assets | 2.3084% | 6,673 |
| Loan and lease loss provision to assets | 0.1503% | 5,438 |
| Net operating income to assets | 1.3118% | 1,455 |
| Return on assets (ROA) | 1.3020% | 1,425 |
| Pretax return on assets | 1.3580% | 2,100 |
| Return on Equity (ROE) | 22.0411% | 256 |
| Retained earnings to average equity (ytd only) | 6.0386% | 1,512 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.3196% | 6,286 |
| Assets per employee ($millions) | 6.2004% | 1,036 |
| Cash dividends to net income (ytd only)* | 72.6027% | 2,052 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0750% | 5,456 |
| Loan loss allowance to noncurrent loans | 159.3750% | 2,339 |
| Noncurrent assets plus other real estate owned to assets | 0.3686% | 6,131 |
| Noncurrent loans to loans | 0.6745% | 5,347 |
| Net loans and leases to total assets | 54.0677% | 6,646 |
| Net loans and leases to deposits | 68.5588% | 6,410 |
| Net loans and leases to core deposits | 102.3464% | 4,573 |
| Total domestic deposits to total assets | 78.8632% | 5,425 |
| Equity capital to assets | 5.9558% | 8,069 |
| Core capital (leverage) ratio | 6.1815% | 8,026 |
| Tier 1 risk-based capital ratio | 9.5786% | 7,224 |
| Total risk-based capital ratio | 10.6457% | 7,337 |
| Memoranda: | ||
| Average total assets | $39,247,800 | 7,249 |
| Average earning assets | $37,473,200 | 7,173 |
| Average equity | $2,318,400 | 8,044 |
| Average total loans | $21,996,000 | 7,191 |