Home > Farmers & Merchants Bank of Hutsonville > Performance and Condition Ratios
Farmers & Merchants Bank of Hutsonville, 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 | 5.2586% | 2,605 |
| Cost of funding earning assets | 1.9231% | 2,139 |
| Net interest margin | 3.3356% | 2,697 |
| Noninterest income to average assets | 0.1400% | 3,907 |
| Noninterest expense to average assets | 1.5941% | 4,152 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | 1.6575% | 805 |
| Return on assets (ROA) | 1.6575% | 802 |
| Pretax return on assets | 1.6575% | 1,185 |
| Return on Equity (ROE) | 9.2500% | 2,537 |
| Retained earnings to average equity (ytd only) | 9.2452% | 1,381 |
| 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 | 49.0244% | 3,958 |
| Assets per employee ($millions) | 7.1514% | 2,115 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2763% | 4,345 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,773 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,816 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 72.1000% | 1,589 |
| Net loans and leases to deposits | 88.3550% | 1,269 |
| Net loans and leases to core deposits | 104.0504% | 1,138 |
| Total domestic deposits to total assets | 81.6000% | 3,380 |
| Equity capital to assets | 18.2721% | 337 |
| Core capital (leverage) ratio | 18.2295% | 319 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $50,437,500 | 4,217 |
| Average earning assets | $47,008,500 | 4,193 |
| Average equity | $9,042,500 | 3,879 |
| Average total loans | $35,858,000 | 4,005 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1443% | 2,846 |
| Cost of funding earning assets | 1.9461% | 2,347 |
| Net interest margin | 3.1982% | 2,725 |
| Noninterest income to average assets | 0.1800% | 3,818 |
| Noninterest expense to average assets | 2.1842% | 3,184 |
| Loan and lease loss provision to assets | 0.0300% | 2,546 |
| Net operating income to assets | 0.9102% | 2,349 |
| Return on assets (ROA) | 0.9102% | 2,351 |
| Pretax return on assets | 0.9491% | 2,665 |
| Return on Equity (ROE) | 5.1800% | 3,469 |
| Retained earnings to average equity (ytd only) | 1.8467% | 3,426 |
| Net charge-offs to loans | 0.0400% | 1,790 |
| Credit loss provision to net charge-offs | 100.0000% | 1,885 |
| Earnings coverage of net charge-offs (x) | 35.8571% | 1,419 |
| Efficiency ratio | 69.1077% | 2,114 |
| Assets per employee ($millions) | 7.2593% | 1,996 |
| Cash dividends to net income (ytd only)* | 64.3162% | 1,011 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2815% | 4,367 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,770 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,816 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 69.7100% | 1,930 |
| Net loans and leases to deposits | 84.6873% | 1,716 |
| Net loans and leases to core deposits | 99.2185% | 1,494 |
| Total domestic deposits to total assets | 82.3100% | 3,195 |
| Equity capital to assets | 17.5893% | 362 |
| Core capital (leverage) ratio | 17.4676% | 359 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $51,414,800 | 4,219 |
| Average earning assets | $47,839,200 | 4,192 |
| Average equity | $9,043,000 | 3,862 |
| Average total loans | $35,028,400 | 4,026 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1086% | 2,842 |
| Cost of funding earning assets | 1.9227% | 2,407 |
| Net interest margin | 3.1859% | 2,724 |
| Noninterest income to average assets | 0.1800% | 3,801 |
| Noninterest expense to average assets | 1.5669% | 4,203 |
| Loan and lease loss provision to assets | 0.0400% | 2,180 |
| Net operating income to assets | 1.4997% | 937 |
| Return on assets (ROA) | 1.4997% | 938 |
| Pretax return on assets | 1.5333% | 1,260 |
| Return on Equity (ROE) | 8.5300% | 2,599 |
| Retained earnings to average equity (ytd only) | 8.5268% | 1,247 |
| Net charge-offs to loans | 0.0535% | 1,367 |
| Credit loss provision to net charge-offs | 100.0000% | 1,657 |
| Earnings coverage of net charge-offs (x) | 43.3571% | 1,291 |
| Efficiency ratio | 49.9588% | 3,993 |
| Assets per employee ($millions) | 7.3159% | 1,922 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2864% | 4,402 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,813 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,861 |
| Noncurrent loans to loans | 0.0000% | 3,830 |
| Net loans and leases to total assets | 67.9800% | 2,085 |
| Net loans and leases to deposits | 83.3876% | 1,856 |
| Net loans and leases to core deposits | 97.6548% | 1,652 |
| Total domestic deposits to total assets | 81.5200% | 3,198 |
| Equity capital to assets | 18.2597% | 332 |
| Core capital (leverage) ratio | 18.1696% | 327 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $51,564,750 | 4,243 |
| Average earning assets | $47,917,750 | 4,220 |
| Average equity | $9,069,250 | 3,873 |
| Average total loans | $34,904,750 | 4,043 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9825% | 2,983 |
| Cost of funding earning assets | 1.8254% | 2,566 |
| Net interest margin | 3.1571% | 2,727 |
| Noninterest income to average assets | 0.1700% | 3,865 |
| Noninterest expense to average assets | 1.5479% | 4,228 |
| Loan and lease loss provision to assets | 0.0500% | 1,906 |
| Net operating income to assets | 1.4899% | 932 |
| Return on assets (ROA) | 1.4899% | 931 |
| Pretax return on assets | 1.5131% | 1,257 |
| Return on Equity (ROE) | 8.5800% | 2,563 |
| Retained earnings to average equity (ytd only) | 8.5791% | 1,204 |
| Net charge-offs to loans | 0.0802% | 1,001 |
| Credit loss provision to net charge-offs | 100.0000% | 1,486 |
| Earnings coverage of net charge-offs (x) | 28.9286% | 1,415 |
| Efficiency ratio | 49.6894% | 4,027 |
| Assets per employee ($millions) | 7.2663% | 1,894 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2800% | 4,422 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,808 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,854 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 70.0100% | 1,904 |
| Net loans and leases to deposits | 85.5595% | 1,699 |
| Net loans and leases to core deposits | 101.2223% | 1,409 |
| Total domestic deposits to total assets | 81.8200% | 3,130 |
| Equity capital to assets | 18.0009% | 344 |
| Core capital (leverage) ratio | 17.6074% | 354 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $51,682,667 | 4,263 |
| Average earning assets | $48,209,000 | 4,236 |
| Average equity | $8,975,333 | 3,869 |
| Average total loans | $34,902,667 | 4,058 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9588% | 2,867 |
| Cost of funding earning assets | 1.6886% | 2,783 |
| Net interest margin | 3.2702% | 2,401 |
| Noninterest income to average assets | 0.1700% | 3,835 |
| Noninterest expense to average assets | 1.4666% | 4,316 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 1.7507% | 616 |
| Return on assets (ROA) | 1.7507% | 621 |
| Pretax return on assets | 1.7507% | 890 |
| Return on Equity (ROE) | 10.2600% | 2,059 |
| Retained earnings to average equity (ytd only) | 10.2645% | 1,051 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 45.5847% | 4,197 |
| Assets per employee ($millions) | 7.4643% | 1,784 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2897% | 4,416 |
| Loan loss allowance to noncurrent loans | 666.6667% | 1,103 |
| Noncurrent assets plus other real estate owned to assets | 0.0287% | 3,530 |
| Noncurrent loans to loans | 0.0435% | 3,450 |
| Net loans and leases to total assets | 65.8800% | 2,246 |
| Net loans and leases to deposits | 79.7078% | 2,082 |
| Net loans and leases to core deposits | 93.5684% | 1,809 |
| Total domestic deposits to total assets | 82.6500% | 3,059 |
| Equity capital to assets | 17.2230% | 383 |
| Core capital (leverage) ratio | 17.0911% | 392 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $52,092,000 | 4,284 |
| Average earning assets | $48,560,000 | 4,257 |
| Average equity | $8,885,000 | 3,895 |
| Average total loans | $34,499,500 | 4,079 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2179% | 3,591 |
| Cost of funding earning assets | 1.0785% | 3,119 |
| Net interest margin | 3.1394% | 3,003 |
| Noninterest income to average assets | 0.1800% | 3,888 |
| Noninterest expense to average assets | 2.0139% | 3,597 |
| Loan and lease loss provision to assets | 0.0200% | 2,739 |
| Net operating income to assets | 1.0070% | 2,202 |
| Return on assets (ROA) | 1.0070% | 2,187 |
| Pretax return on assets | 1.0725% | 2,487 |
| Return on Equity (ROE) | 6.0600% | 3,507 |
| Retained earnings to average equity (ytd only) | 2.2432% | 3,518 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 64.8193% | 2,506 |
| Assets per employee ($millions) | 7.4191% | 1,793 |
| Cash dividends to net income (ytd only)* | 63.0112% | 1,074 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2900% | 4,427 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 66.2000% | 2,241 |
| Net loans and leases to deposits | 79.7226% | 2,137 |
| Net loans and leases to core deposits | 91.7726% | 1,920 |
| Total domestic deposits to total assets | 83.0300% | 2,886 |
| Equity capital to assets | 16.8887% | 393 |
| Core capital (leverage) ratio | 16.4282% | 437 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $53,428,200 | 4,282 |
| Average earning assets | $49,882,400 | 4,251 |
| Average equity | $8,871,200 | 3,835 |
| Average total loans | $32,875,200 | 4,094 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0611% | 3,731 |
| Cost of funding earning assets | 0.9822% | 3,083 |
| Net interest margin | 3.0789% | 3,177 |
| Noninterest income to average assets | 0.1700% | 3,949 |
| Noninterest expense to average assets | 1.3382% | 4,430 |
| Loan and lease loss provision to assets | 0.0200% | 2,562 |
| Net operating income to assets | 1.6158% | 916 |
| Return on assets (ROA) | 1.6158% | 905 |
| Pretax return on assets | 1.6926% | 1,172 |
| Return on Equity (ROE) | 9.7700% | 2,707 |
| Retained earnings to average equity (ytd only) | 9.7717% | 1,466 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 43.9024% | 4,231 |
| Assets per employee ($millions) | 7.7816% | 1,460 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2779% | 4,452 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 63.2400% | 2,534 |
| Net loans and leases to deposits | 76.2455% | 2,391 |
| Net loans and leases to core deposits | 86.2998% | 2,171 |
| Total domestic deposits to total assets | 82.9500% | 3,030 |
| Equity capital to assets | 16.9338% | 401 |
| Core capital (leverage) ratio | 17.2118% | 399 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $53,801,750 | 4,292 |
| Average earning assets | $50,363,000 | 4,264 |
| Average equity | $8,896,250 | 3,837 |
| Average total loans | $32,474,500 | 4,117 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0361% | 3,613 |
| Cost of funding earning assets | 0.9155% | 2,881 |
| Net interest margin | 3.1206% | 3,172 |
| Noninterest income to average assets | 0.1600% | 3,996 |
| Noninterest expense to average assets | 1.3513% | 4,449 |
| Loan and lease loss provision to assets | 0.0300% | 2,254 |
| Net operating income to assets | 1.6387% | 890 |
| Return on assets (ROA) | 1.6387% | 892 |
| Pretax return on assets | 1.7134% | 1,183 |
| Return on Equity (ROE) | 9.9900% | 2,700 |
| Retained earnings to average equity (ytd only) | 9.9920% | 1,406 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 43.7198% | 4,264 |
| Assets per employee ($millions) | 7.6866% | 1,480 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2947% | 4,478 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 60.3500% | 2,742 |
| Net loans and leases to deposits | 72.5757% | 2,606 |
| Net loans and leases to core deposits | 82.3795% | 2,304 |
| Total domestic deposits to total assets | 83.1600% | 3,007 |
| Equity capital to assets | 16.7472% | 397 |
| Core capital (leverage) ratio | 16.5747% | 421 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $53,578,667 | 4,318 |
| Average earning assets | $50,246,667 | 4,289 |
| Average equity | $8,787,000 | 3,870 |
| Average total loans | $31,784,000 | 4,143 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9362% | 3,597 |
| Cost of funding earning assets | 0.8480% | 2,545 |
| Net interest margin | 3.0882% | 3,376 |
| Noninterest income to average assets | 0.1600% | 4,021 |
| Noninterest expense to average assets | 1.3093% | 4,534 |
| Loan and lease loss provision to assets | 0.0500% | 1,764 |
| Net operating income to assets | 1.5412% | 1,094 |
| Return on assets (ROA) | 1.5412% | 1,083 |
| Pretax return on assets | 1.6908% | 1,285 |
| Return on Equity (ROE) | 9.5000% | 2,920 |
| Retained earnings to average equity (ytd only) | 9.4986% | 1,814 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 42.8922% | 4,346 |
| Assets per employee ($millions) | 7.7484% | 1,489 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3025% | 4,537 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 58.3400% | 2,838 |
| Net loans and leases to deposits | 69.6623% | 2,642 |
| Net loans and leases to core deposits | 79.4466% | 2,292 |
| Total domestic deposits to total assets | 83.7400% | 3,142 |
| Equity capital to assets | 16.1839% | 389 |
| Core capital (leverage) ratio | 16.0878% | 461 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $53,465,000 | 4,380 |
| Average earning assets | $49,997,500 | 4,352 |
| Average equity | $8,675,000 | 3,927 |
| Average total loans | $31,391,000 | 4,205 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2356% | 3,749 |
| Cost of funding earning assets | 0.6276% | 796 |
| Net interest margin | 2.6079% | 4,162 |
| Noninterest income to average assets | 0.1700% | 4,121 |
| Noninterest expense to average assets | 1.7454% | 4,096 |
| Loan and lease loss provision to assets | 0.0100% | 2,705 |
| Net operating income to assets | 0.8278% | 3,228 |
| Return on assets (ROA) | 0.8278% | 3,154 |
| Pretax return on assets | 0.8652% | 3,444 |
| Return on Equity (ROE) | 5.1400% | 3,994 |
| Retained earnings to average equity (ytd only) | 1.7763% | 4,023 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 66.6191% | 2,128 |
| Assets per employee ($millions) | 7.5273% | 1,599 |
| Cash dividends to net income (ytd only)* | 65.4628% | 786 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2867% | 4,556 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 58.7500% | 2,758 |
| Net loans and leases to deposits | 70.2023% | 2,568 |
| Net loans and leases to core deposits | 80.3734% | 2,112 |
| Total domestic deposits to total assets | 83.6800% | 3,277 |
| Equity capital to assets | 16.2684% | 373 |
| Core capital (leverage) ratio | 15.8474% | 470 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $53,512,800 | 4,402 |
| Average earning assets | $50,346,800 | 4,369 |
| Average equity | $8,613,400 | 4,035 |
| Average total loans | $30,025,600 | 4,241 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0604% | 3,768 |
| Cost of funding earning assets | 0.5952% | 450 |
| Net interest margin | 2.4652% | 4,240 |
| Noninterest income to average assets | 0.1400% | 4,301 |
| Noninterest expense to average assets | 1.2460% | 4,606 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.1715% | 1,803 |
| Return on assets (ROA) | 1.1715% | 1,777 |
| Pretax return on assets | 1.2212% | 2,284 |
| Return on Equity (ROE) | 7.3000% | 3,524 |
| Retained earnings to average equity (ytd only) | 7.2975% | 2,266 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 50.5030% | 4,131 |
| Assets per employee ($millions) | 7.7954% | 1,425 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2642% | 4,604 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 58.1200% | 2,685 |
| Net loans and leases to deposits | 69.4947% | 2,410 |
| Net loans and leases to core deposits | 80.9040% | 1,840 |
| Total domestic deposits to total assets | 83.6400% | 3,572 |
| Equity capital to assets | 16.2934% | 356 |
| Core capital (leverage) ratio | 16.3645% | 410 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $53,718,250 | 4,434 |
| Average earning assets | $50,623,750 | 4,398 |
| Average equity | $8,623,750 | 4,079 |
| Average total loans | $29,771,000 | 4,269 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8501% | 3,891 |
| Cost of funding earning assets | 0.5756% | 332 |
| Net interest margin | 2.2745% | 4,354 |
| Noninterest income to average assets | 0.1535% | 4,244 |
| Noninterest expense to average assets | 1.2763% | 4,603 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.9469% | 2,372 |
| Return on assets (ROA) | 0.9469% | 2,347 |
| Pretax return on assets | 1.0218% | 2,649 |
| Return on Equity (ROE) | 5.9288% | 3,593 |
| Retained earnings to average equity (ytd only) | 5.9288% | 2,356 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.5375% | 3,816 |
| Assets per employee ($millions) | 7.7096% | 1,473 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2664% | 4,675 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 58.2671% | 2,506 |
| Net loans and leases to deposits | 69.4779% | 2,262 |
| Net loans and leases to core deposits | 80.5435% | 1,683 |
| Total domestic deposits to total assets | 83.8642% | 3,707 |
| Equity capital to assets | 16.0691% | 333 |
| Core capital (leverage) ratio | 16.0331% | 374 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $53,435,000 | 4,478 |
| Average earning assets | $50,383,667 | 4,455 |
| Average equity | $8,534,667 | 4,149 |
| Average total loans | $29,094,667 | 4,335 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6057% | 4,111 |
| Cost of funding earning assets | 0.5658% | 333 |
| Net interest margin | 2.0400% | 4,487 |
| Noninterest income to average assets | 0.1580% | 4,207 |
| Noninterest expense to average assets | 1.3015% | 4,619 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.7072% | 3,033 |
| Return on assets (ROA) | 0.7072% | 3,021 |
| Pretax return on assets | 0.7824% | 3,161 |
| Return on Equity (ROE) | 4.4413% | 3,770 |
| Retained earnings to average equity (ytd only) | 4.4413% | 2,793 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4549% | 3,210 |
| Assets per employee ($millions) | 7.6757% | 1,569 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2863% | 4,691 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 54.4519% | 2,702 |
| Net loans and leases to deposits | 64.7408% | 2,459 |
| Net loans and leases to core deposits | 74.7363% | 1,876 |
| Total domestic deposits to total assets | 84.1076% | 3,746 |
| Equity capital to assets | 15.8440% | 329 |
| Core capital (leverage) ratio | 15.6621% | 375 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $53,169,000 | 4,504 |
| Average earning assets | $50,197,000 | 4,482 |
| Average equity | $8,466,000 | 4,216 |
| Average total loans | $27,877,500 | 4,372 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0536% | 3,776 |
| Cost of funding earning assets | 0.6362% | 456 |
| Net interest margin | 2.4173% | 4,303 |
| Noninterest income to average assets | 0.4737% | 2,703 |
| Noninterest expense to average assets | 1.8405% | 4,069 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.8729% | 3,128 |
| Return on assets (ROA) | 0.8729% | 3,190 |
| Pretax return on assets | 0.8850% | 3,543 |
| Return on Equity (ROE) | 5.0938% | 3,979 |
| Retained earnings to average equity (ytd only) | 1.8705% | 4,018 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5296% | 2,050 |
| Assets per employee ($millions) | 7.5154% | 1,612 |
| Cash dividends to net income (ytd only)* | 63.2794% | 973 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3180% | 4,716 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 50.0494% | 3,272 |
| Net loans and leases to deposits | 59.6200% | 3,106 |
| Net loans and leases to core deposits | 69.0442% | 2,545 |
| Total domestic deposits to total assets | 83.9473% | 3,577 |
| Equity capital to assets | 16.0033% | 381 |
| Core capital (leverage) ratio | 16.1407% | 346 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $49,605,600 | 4,566 |
| Average earning assets | $46,208,400 | 4,548 |
| Average equity | $8,500,600 | 4,293 |
| Average total loans | $27,013,200 | 4,435 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1500% | 3,699 |
| Cost of funding earning assets | 0.6465% | 503 |
| Net interest margin | 2.5035% | 4,270 |
| Noninterest income to average assets | 0.5677% | 2,343 |
| Noninterest expense to average assets | 1.2799% | 4,763 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.6129% | 1,007 |
| Return on assets (ROA) | 1.6129% | 1,044 |
| Pretax return on assets | 1.6129% | 1,655 |
| Return on Equity (ROE) | 9.2475% | 3,020 |
| Retained earnings to average equity (ytd only) | 9.2475% | 1,597 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.2453% | 4,576 |
| Assets per employee ($millions) | 7.2203% | 1,725 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2998% | 4,815 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 55.2689% | 2,819 |
| Net loans and leases to deposits | 67.0604% | 2,535 |
| Net loans and leases to core deposits | 78.3343% | 1,872 |
| Total domestic deposits to total assets | 82.4166% | 3,842 |
| Equity capital to assets | 17.5122% | 300 |
| Core capital (leverage) ratio | 17.4831% | 290 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $48,855,000 | 4,637 |
| Average earning assets | $45,374,750 | 4,618 |
| Average equity | $8,521,000 | 4,349 |
| Average total loans | $27,163,000 | 4,492 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2409% | 3,586 |
| Cost of funding earning assets | 0.6545% | 555 |
| Net interest margin | 2.5865% | 4,189 |
| Noninterest income to average assets | 0.1988% | 4,206 |
| Noninterest expense to average assets | 1.3335% | 4,768 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.2548% | 2,009 |
| Return on assets (ROA) | 1.2548% | 2,074 |
| Pretax return on assets | 1.2548% | 2,752 |
| Return on Equity (ROE) | 7.2049% | 3,602 |
| Retained earnings to average equity (ytd only) | 7.2049% | 2,356 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.5200% | 4,090 |
| Assets per employee ($millions) | 7.0434% | 1,771 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3028% | 4,846 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 56.1009% | 2,892 |
| Net loans and leases to deposits | 67.9423% | 2,626 |
| Net loans and leases to core deposits | 80.2483% | 1,867 |
| Total domestic deposits to total assets | 82.5714% | 3,799 |
| Equity capital to assets | 17.3678% | 306 |
| Core capital (leverage) ratio | 17.2990% | 290 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $48,292,667 | 4,671 |
| Average earning assets | $44,617,000 | 4,657 |
| Average equity | $8,411,000 | 4,381 |
| Average total loans | $26,878,000 | 4,529 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2234% | 3,640 |
| Cost of funding earning assets | 0.6610% | 647 |
| Net interest margin | 2.5624% | 4,217 |
| Noninterest income to average assets | 0.2093% | 4,130 |
| Noninterest expense to average assets | 1.3225% | 4,808 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.2556% | 1,960 |
| Return on assets (ROA) | 1.2556% | 2,040 |
| Pretax return on assets | 1.2556% | 2,686 |
| Return on Equity (ROE) | 7.1986% | 3,553 |
| Retained earnings to average equity (ytd only) | 7.1986% | 2,509 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.2987% | 4,063 |
| Assets per employee ($millions) | 7.0373% | 1,783 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3200% | 4,865 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 53.1130% | 3,333 |
| Net loans and leases to deposits | 64.0945% | 3,118 |
| Net loans and leases to core deposits | 75.8443% | 2,369 |
| Total domestic deposits to total assets | 82.8668% | 3,718 |
| Equity capital to assets | 17.0723% | 304 |
| Core capital (leverage) ratio | 17.2054% | 302 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $47,787,000 | 4,700 |
| Average earning assets | $44,177,000 | 4,680 |
| Average equity | $8,335,000 | 4,402 |
| Average total loans | $26,445,000 | 4,560 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8419% | 3,183 |
| Cost of funding earning assets | 0.7464% | 1,471 |
| Net interest margin | 3.0954% | 3,639 |
| Noninterest income to average assets | 0.2397% | 4,066 |
| Noninterest expense to average assets | 1.9480% | 4,232 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 1.1257% | 1,816 |
| Return on assets (ROA) | 1.1257% | 1,940 |
| Pretax return on assets | 1.1455% | 2,527 |
| Return on Equity (ROE) | 6.1593% | 3,530 |
| Retained earnings to average equity (ytd only) | 2.8511% | 3,451 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9709% | 2,981 |
| Assets per employee ($millions) | 6.6161% | 1,837 |
| Cash dividends to net income (ytd only)* | 53.7109% | 1,644 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3153% | 4,892 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 57.3446% | 3,160 |
| Net loans and leases to deposits | 69.8399% | 2,894 |
| Net loans and leases to core deposits | 83.7184% | 2,065 |
| Total domestic deposits to total assets | 82.1087% | 3,638 |
| Equity capital to assets | 17.8352% | 282 |
| Core capital (leverage) ratio | 17.3610% | 294 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $45,481,400 | 4,704 |
| Average earning assets | $41,932,600 | 4,693 |
| Average equity | $8,312,600 | 4,388 |
| Average total loans | $27,334,000 | 4,569 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9402% | 3,142 |
| Cost of funding earning assets | 0.7510% | 1,740 |
| Net interest margin | 3.1892% | 3,515 |
| Noninterest income to average assets | 0.2179% | 4,182 |
| Noninterest expense to average assets | 1.3959% | 4,864 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 1.7582% | 501 |
| Return on assets (ROA) | 1.7582% | 560 |
| Pretax return on assets | 1.7611% | 845 |
| Return on Equity (ROE) | 9.5605% | 2,182 |
| Retained earnings to average equity (ytd only) | 9.5605% | 854 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.2164% | 4,781 |
| Assets per employee ($millions) | 6.6214% | 1,737 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3017% | 4,933 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 59.8835% | 3,241 |
| Net loans and leases to deposits | 73.6390% | 2,991 |
| Net loans and leases to core deposits | 89.5441% | 2,014 |
| Total domestic deposits to total assets | 81.3204% | 3,586 |
| Equity capital to assets | 18.5976% | 264 |
| Core capital (leverage) ratio | 18.5396% | 253 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $45,273,500 | 4,729 |
| Average earning assets | $41,723,250 | 4,719 |
| Average equity | $8,325,750 | 4,409 |
| Average total loans | $27,507,000 | 4,592 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0423% | 3,215 |
| Cost of funding earning assets | 0.7591% | 2,058 |
| Net interest margin | 3.2832% | 3,426 |
| Noninterest income to average assets | 0.2226% | 4,158 |
| Noninterest expense to average assets | 1.4205% | 4,891 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.8212% | 481 |
| Return on assets (ROA) | 1.8212% | 531 |
| Pretax return on assets | 1.8257% | 771 |
| Return on Equity (ROE) | 9.9421% | 2,000 |
| Retained earnings to average equity (ytd only) | 9.9421% | 801 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.7586% | 4,819 |
| Assets per employee ($millions) | 6.5269% | 1,760 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2989% | 4,958 |
| Loan loss allowance to noncurrent loans | 2,800.0000% | 223 |
| Noncurrent assets plus other real estate owned to assets | 0.0066% | 4,554 |
| Noncurrent loans to loans | 0.0107% | 4,472 |
| Net loans and leases to total assets | 61.3203% | 3,186 |
| Net loans and leases to deposits | 75.2633% | 2,943 |
| Net loans and leases to core deposits | 89.2542% | 2,135 |
| Total domestic deposits to total assets | 81.4743% | 3,507 |
| Equity capital to assets | 18.4556% | 267 |
| Core capital (leverage) ratio | 18.5294% | 266 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $44,914,667 | 4,755 |
| Average earning assets | $41,362,333 | 4,745 |
| Average equity | $8,227,667 | 4,436 |
| Average total loans | $27,396,000 | 4,610 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0114% | 3,755 |
| Cost of funding earning assets | 0.7711% | 2,541 |
| Net interest margin | 3.2404% | 3,752 |
| Noninterest income to average assets | 0.2425% | 4,108 |
| Noninterest expense to average assets | 1.3744% | 4,973 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.8415% | 378 |
| Return on assets (ROA) | 1.8415% | 421 |
| Pretax return on assets | 1.8505% | 628 |
| Return on Equity (ROE) | 10.0917% | 1,719 |
| Retained earnings to average equity (ytd only) | 10.0917% | 733 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.6184% | 4,928 |
| Assets per employee ($millions) | 6.4200% | 1,387 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3084% | 4,988 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 60.4206% | 3,453 |
| Net loans and leases to deposits | 74.0146% | 3,272 |
| Net loans and leases to core deposits | 87.9592% | 2,522 |
| Total domestic deposits to total assets | 81.6333% | 3,515 |
| Equity capital to assets | 18.3089% | 332 |
| Core capital (leverage) ratio | 18.4563% | 312 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $44,528,000 | 4,790 |
| Average earning assets | $40,983,000 | 4,781 |
| Average equity | $8,125,500 | 4,472 |
| Average total loans | $27,044,000 | 4,654 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0830% | 4,076 |
| Cost of funding earning assets | 0.7740% | 2,807 |
| Net interest margin | 3.3090% | 3,969 |
| Noninterest income to average assets | 0.2408% | 4,238 |
| Noninterest expense to average assets | 1.9015% | 4,660 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.3637% | 1,465 |
| Return on assets (ROA) | 1.3637% | 1,547 |
| Pretax return on assets | 1.3794% | 2,234 |
| Return on Equity (ROE) | 7.5309% | 3,355 |
| Retained earnings to average equity (ytd only) | 3.4548% | 3,276 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9561% | 3,970 |
| Assets per employee ($millions) | 6.3023% | 1,418 |
| Cash dividends to net income (ytd only)* | 54.1254% | 1,833 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3128% | 5,038 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 60.6741% | 3,534 |
| Net loans and leases to deposits | 74.2105% | 3,333 |
| Net loans and leases to core deposits | 88.4216% | 2,569 |
| Total domestic deposits to total assets | 81.7595% | 3,573 |
| Equity capital to assets | 18.1861% | 352 |
| Core capital (leverage) ratio | 17.7961% | 354 |
| Tier 1 risk-based capital ratio | 31.1150% | 437 |
| Total risk-based capital ratio | 31.4408% | 460 |
| Memoranda: | ||
| Average total assets | $44,439,400 | 4,841 |
| Average earning assets | $40,828,200 | 4,831 |
| Average equity | $8,046,800 | 4,503 |
| Average total loans | $26,377,000 | 4,722 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0530% | 4,246 |
| Cost of funding earning assets | 0.7630% | 2,906 |
| Net interest margin | 3.2900% | 4,103 |
| Noninterest income to average assets | 0.2426% | 4,287 |
| Noninterest expense to average assets | 1.3177% | 5,136 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.9466% | 441 |
| Return on assets (ROA) | 1.9466% | 458 |
| Pretax return on assets | 1.9466% | 778 |
| Return on Equity (ROE) | 10.7622% | 2,115 |
| Retained earnings to average equity (ytd only) | 10.7622% | 569 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.3670% | 5,113 |
| Assets per employee ($millions) | 7.5985% | 812 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3129% | 5,111 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 58.6958% | 3,809 |
| Net loans and leases to deposits | 72.0323% | 3,612 |
| Net loans and leases to core deposits | 85.4843% | 2,954 |
| Total domestic deposits to total assets | 81.4854% | 3,619 |
| Equity capital to assets | 18.4137% | 358 |
| Core capital (leverage) ratio | 18.5455% | 312 |
| Tier 1 risk-based capital ratio | 32.5199% | 410 |
| Total risk-based capital ratio | 32.8452% | 427 |
| Memoranda: | ||
| Average total assets | $44,520,250 | 4,905 |
| Average earning assets | $40,890,000 | 4,900 |
| Average equity | $8,052,750 | 4,549 |
| Average total loans | $26,258,500 | 4,792 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9536% | 4,476 |
| Cost of funding earning assets | 0.7395% | 2,948 |
| Net interest margin | 3.2142% | 4,338 |
| Noninterest income to average assets | 0.2445% | 4,286 |
| Noninterest expense to average assets | 1.3994% | 5,160 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.7979% | 599 |
| Return on assets (ROA) | 1.7979% | 625 |
| Pretax return on assets | 1.7979% | 1,036 |
| Return on Equity (ROE) | 10.0017% | 2,387 |
| Retained earnings to average equity (ytd only) | 10.0017% | 756 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.7677% | 5,070 |
| Assets per employee ($millions) | 6.4474% | 1,263 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3130% | 5,164 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 59.2684% | 3,804 |
| Net loans and leases to deposits | 72.3826% | 3,652 |
| Net loans and leases to core deposits | 86.0927% | 2,952 |
| Total domestic deposits to total assets | 81.8820% | 3,551 |
| Equity capital to assets | 18.0404% | 377 |
| Core capital (leverage) ratio | 18.0724% | 335 |
| Tier 1 risk-based capital ratio | 31.2901% | 444 |
| Total risk-based capital ratio | 31.6129% | 464 |
| Memoranda: | ||
| Average total assets | $44,163,330 | 4,951 |
| Average earning assets | $40,570,330 | 4,948 |
| Average equity | $7,938,670 | 4,587 |
| Average total loans | $26,063,330 | 4,827 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8233% | 4,673 |
| Cost of funding earning assets | 0.7187% | 2,949 |
| Net interest margin | 3.1046% | 4,594 |
| Noninterest income to average assets | 0.2564% | 4,174 |
| Noninterest expense to average assets | 1.4194% | 5,212 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.6850% | 755 |
| Return on assets (ROA) | 1.6850% | 782 |
| Pretax return on assets | 1.6850% | 1,250 |
| Return on Equity (ROE) | 9.3913% | 2,637 |
| Retained earnings to average equity (ytd only) | 9.3913% | 1,197 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.7227% | 5,037 |
| Assets per employee ($millions) | 6.4390% | 1,265 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3280% | 5,228 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 56.6370% | 4,010 |
| Net loans and leases to deposits | 68.7808% | 3,859 |
| Net loans and leases to core deposits | 80.8795% | 3,284 |
| Total domestic deposits to total assets | 82.3442% | 3,632 |
| Equity capital to assets | 17.5915% | 381 |
| Core capital (leverage) ratio | 18.3076% | 320 |
| Tier 1 risk-based capital ratio | 31.3871% | 430 |
| Total risk-based capital ratio | 31.7196% | 448 |
| Memoranda: | ||
| Average total assets | $43,679,000 | 5,007 |
| Average earning assets | $40,070,000 | 5,002 |
| Average equity | $7,837,000 | 4,633 |
| Average total loans | $25,678,500 | 4,892 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8786% | 4,322 |
| Cost of funding earning assets | 0.7022% | 2,081 |
| Net interest margin | 3.1764% | 4,528 |
| Noninterest income to average assets | 0.2679% | 4,317 |
| Noninterest expense to average assets | 1.8707% | 4,933 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.2832% | 1,867 |
| Return on assets (ROA) | 1.2832% | 1,861 |
| Pretax return on assets | 1.2996% | 2,502 |
| Return on Equity (ROE) | 7.0508% | 3,806 |
| Retained earnings to average equity (ytd only) | 3.4996% | 3,660 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.0067% | 4,016 |
| Assets per employee ($millions) | 6.0407% | 1,490 |
| Cash dividends to net income (ytd only)* | 50.3663% | 1,937 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3263% | 5,267 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 60.6858% | 3,693 |
| Net loans and leases to deposits | 74.3517% | 3,473 |
| Net loans and leases to core deposits | 88.5503% | 2,701 |
| Total domestic deposits to total assets | 81.6200% | 3,748 |
| Equity capital to assets | 18.3162% | 318 |
| Core capital (leverage) ratio | 18.0381% | 326 |
| Tier 1 risk-based capital ratio | 30.5150% | 452 |
| Total risk-based capital ratio | 30.8459% | 473 |
| Memoranda: | ||
| Average total assets | $42,550,600 | 5,065 |
| Average earning assets | $38,880,200 | 5,057 |
| Average equity | $7,743,800 | 4,641 |
| Average total loans | $24,945,400 | 4,942 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7620% | 4,521 |
| Cost of funding earning assets | 0.6880% | 1,920 |
| Net interest margin | 3.0740% | 4,746 |
| Noninterest income to average assets | 0.2472% | 4,502 |
| Noninterest expense to average assets | 1.3265% | 5,358 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.7301% | 701 |
| Return on assets (ROA) | 1.7301% | 707 |
| Pretax return on assets | 1.7301% | 1,206 |
| Return on Equity (ROE) | 9.5217% | 2,835 |
| Retained earnings to average equity (ytd only) | 9.5217% | 1,044 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.3982% | 5,237 |
| Assets per employee ($millions) | 6.1193% | 1,405 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3222% | 5,348 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 60.6653% | 3,780 |
| Net loans and leases to deposits | 74.7218% | 3,531 |
| Net loans and leases to core deposits | 88.3337% | 2,815 |
| Total domestic deposits to total assets | 81.1883% | 3,816 |
| Equity capital to assets | 18.7393% | 283 |
| Core capital (leverage) ratio | 18.9071% | 274 |
| Tier 1 risk-based capital ratio | 30.8529% | 439 |
| Total risk-based capital ratio | 31.1758% | 473 |
| Memoranda: | ||
| Average total assets | $42,617,000 | 5,130 |
| Average earning assets | $38,949,750 | 5,121 |
| Average equity | $7,743,500 | 4,689 |
| Average total loans | $24,745,500 | 5,004 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6892% | 4,610 |
| Cost of funding earning assets | 0.6885% | 1,693 |
| Net interest margin | 3.0007% | 4,878 |
| Noninterest income to average assets | 0.2445% | 4,544 |
| Noninterest expense to average assets | 1.3351% | 5,421 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.6547% | 794 |
| Return on assets (ROA) | 1.6547% | 805 |
| Pretax return on assets | 1.6547% | 1,329 |
| Return on Equity (ROE) | 9.2038% | 2,930 |
| Retained earnings to average equity (ytd only) | 9.2038% | 1,150 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.6541% | 5,263 |
| Assets per employee ($millions) | 6.0804% | 1,411 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3400% | 5,400 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 57.8437% | 4,005 |
| Net loans and leases to deposits | 70.9408% | 3,786 |
| Net loans and leases to core deposits | 83.8470% | 3,091 |
| Total domestic deposits to total assets | 81.5380% | 3,860 |
| Equity capital to assets | 18.3869% | 295 |
| Core capital (leverage) ratio | 18.1510% | 307 |
| Tier 1 risk-based capital ratio | 31.4752% | 427 |
| Total risk-based capital ratio | 31.8131% | 453 |
| Memoranda: | ||
| Average total assets | $42,544,330 | 5,188 |
| Average earning assets | $38,924,000 | 5,179 |
| Average equity | $7,649,000 | 4,758 |
| Average total loans | $24,304,000 | 5,077 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5820% | 4,741 |
| Cost of funding earning assets | 0.6793% | 1,546 |
| Net interest margin | 2.9027% | 5,024 |
| Noninterest income to average assets | 0.2445% | 4,537 |
| Noninterest expense to average assets | 1.2695% | 5,505 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.6269% | 807 |
| Return on assets (ROA) | 1.6269% | 807 |
| Pretax return on assets | 1.6269% | 1,308 |
| Return on Equity (ROE) | 9.1528% | 2,830 |
| Retained earnings to average equity (ytd only) | 9.1528% | 1,409 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.8312% | 5,350 |
| Assets per employee ($millions) | 6.1881% | 1,371 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3491% | 5,464 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 55.3616% | 4,173 |
| Net loans and leases to deposits | 67.2830% | 4,000 |
| Net loans and leases to core deposits | 79.1008% | 3,393 |
| Total domestic deposits to total assets | 82.2818% | 3,874 |
| Equity capital to assets | 17.6536% | 343 |
| Core capital (leverage) ratio | 17.8044% | 321 |
| Tier 1 risk-based capital ratio | 31.6489% | 418 |
| Total risk-based capital ratio | 31.9965% | 444 |
| Memoranda: | ||
| Average total assets | $42,535,000 | 5,245 |
| Average earning assets | $38,861,000 | 5,238 |
| Average equity | $7,560,500 | 4,816 |
| Average total loans | $24,104,000 | 5,139 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5628% | 4,657 |
| Cost of funding earning assets | 0.6475% | 1,309 |
| Net interest margin | 2.9153% | 5,021 |
| Noninterest income to average assets | 0.2761% | 4,479 |
| Noninterest expense to average assets | 1.7625% | 5,271 |
| Loan and lease loss provision to assets | 0.0288% | 3,694 |
| Net operating income to assets | 1.1406% | 1,711 |
| Return on assets (ROA) | 1.1406% | 1,749 |
| Pretax return on assets | 1.1550% | 2,965 |
| Return on Equity (ROE) | 6.3777% | 3,587 |
| Retained earnings to average equity (ytd only) | 3.7192% | 2,998 |
| Net charge-offs to loans | 0.0504% | 2,783 |
| Credit loss provision to net charge-offs | 100.0000% | 2,558 |
| Earnings coverage of net charge-offs (x) | 41.0833% | 1,247 |
| Efficiency ratio | 59.8207% | 4,295 |
| Assets per employee ($millions) | 5.9647% | 1,539 |
| Cash dividends to net income (ytd only)* | 41.6842% | 2,771 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3479% | 5,529 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 57.6222% | 4,047 |
| Net loans and leases to deposits | 70.2330% | 3,848 |
| Net loans and leases to core deposits | 83.1111% | 3,146 |
| Total domestic deposits to total assets | 82.0444% | 3,861 |
| Equity capital to assets | 17.9005% | 325 |
| Core capital (leverage) ratio | 17.7365% | 316 |
| Tier 1 risk-based capital ratio | 31.6990% | 395 |
| Total risk-based capital ratio | 32.0553% | 426 |
| Memoranda: | ||
| Average total assets | $41,645,800 | 5,307 |
| Average earning assets | $38,144,000 | 5,300 |
| Average equity | $7,447,800 | 4,872 |
| Average total loans | $23,821,400 | 5,199 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5319% | 4,739 |
| Cost of funding earning assets | 0.6393% | 1,312 |
| Net interest margin | 2.8926% | 5,094 |
| Noninterest income to average assets | 0.2659% | 4,608 |
| Noninterest expense to average assets | 1.3103% | 5,611 |
| Loan and lease loss provision to assets | 0.0192% | 3,758 |
| Net operating income to assets | 1.5890% | 741 |
| Return on assets (ROA) | 1.5890% | 759 |
| Pretax return on assets | 1.5890% | 1,464 |
| Return on Equity (ROE) | 8.8872% | 2,677 |
| Retained earnings to average equity (ytd only) | 8.8872% | 887 |
| Net charge-offs to loans | 0.0337% | 2,757 |
| Credit loss provision to net charge-offs | 100.0000% | 2,276 |
| Earnings coverage of net charge-offs (x) | 83.6650% | 788 |
| Efficiency ratio | 44.8957% | 5,457 |
| Assets per employee ($millions) | 5.9599% | 1,524 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3466% | 5,602 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 57.8969% | 4,068 |
| Net loans and leases to deposits | 71.0558% | 3,864 |
| Net loans and leases to core deposits | 84.4723% | 3,090 |
| Total domestic deposits to total assets | 81.4809% | 3,922 |
| Equity capital to assets | 18.4400% | 299 |
| Core capital (leverage) ratio | 18.4012% | 279 |
| Tier 1 risk-based capital ratio | 32.9310% | 385 |
| Total risk-based capital ratio | 33.2905% | 408 |
| Memoranda: | ||
| Average total assets | $41,619,000 | 5,370 |
| Average earning assets | $38,165,500 | 5,359 |
| Average equity | $7,441,250 | 4,917 |
| Average total loans | $23,741,000 | 5,253 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4960% | 4,775 |
| Cost of funding earning assets | 0.6280% | 1,285 |
| Net interest margin | 2.8680% | 5,145 |
| Noninterest income to average assets | 0.2645% | 4,646 |
| Noninterest expense to average assets | 1.3418% | 5,648 |
| Loan and lease loss provision to assets | 0.0289% | 3,419 |
| Net operating income to assets | 1.5294% | 812 |
| Return on assets (ROA) | 1.5294% | 837 |
| Pretax return on assets | 1.5294% | 1,548 |
| Return on Equity (ROE) | 8.6444% | 2,696 |
| Retained earnings to average equity (ytd only) | 8.6444% | 955 |
| Net charge-offs to loans | 0.0509% | 2,200 |
| Credit loss provision to net charge-offs | 100.0000% | 2,001 |
| Earnings coverage of net charge-offs (x) | 54.0000% | 1,018 |
| Efficiency ratio | 46.2687% | 5,454 |
| Assets per employee ($millions) | 5.9604% | 1,494 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3516% | 5,639 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 57.0644% | 4,118 |
| Net loans and leases to deposits | 69.6557% | 3,936 |
| Net loans and leases to core deposits | 82.6759% | 3,197 |
| Total domestic deposits to total assets | 81.9236% | 3,906 |
| Equity capital to assets | 18.0116% | 324 |
| Core capital (leverage) ratio | 17.9927% | 299 |
| Tier 1 risk-based capital ratio | 32.4342% | 387 |
| Total risk-based capital ratio | 32.7967% | 412 |
| Memoranda: | ||
| Average total assets | $41,585,670 | 5,414 |
| Average earning assets | $38,215,000 | 5,404 |
| Average equity | $7,357,330 | 4,952 |
| Average total loans | $23,575,330 | 5,300 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4130% | 4,903 |
| Cost of funding earning assets | 0.6282% | 1,204 |
| Net interest margin | 2.7848% | 5,277 |
| Noninterest income to average assets | 0.2698% | 4,611 |
| Noninterest expense to average assets | 1.2043% | 5,766 |
| Loan and lease loss provision to assets | 0.0578% | 2,646 |
| Net operating income to assets | 1.5704% | 718 |
| Return on assets (ROA) | 1.5704% | 738 |
| Pretax return on assets | 1.5704% | 1,312 |
| Return on Equity (ROE) | 8.9579% | 2,443 |
| Retained earnings to average equity (ytd only) | 8.9579% | 1,098 |
| Net charge-offs to loans | 0.1025% | 1,353 |
| Credit loss provision to net charge-offs | 100.0000% | 1,560 |
| Earnings coverage of net charge-offs (x) | 28.1667% | 1,259 |
| Efficiency ratio | 42.5170% | 5,641 |
| Assets per employee ($millions) | 7.0403% | 940 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3600% | 5,711 |
| Loan loss allowance to noncurrent loans | 525.0000% | 1,019 |
| Noncurrent assets plus other real estate owned to assets | 0.0379% | 5,158 |
| Noncurrent loans to loans | 0.0686% | 4,924 |
| Net loans and leases to total assets | 55.0400% | 4,253 |
| Net loans and leases to deposits | 66.6992% | 4,111 |
| Net loans and leases to core deposits | 78.8376% | 3,405 |
| Total domestic deposits to total assets | 82.5198% | 4,002 |
| Equity capital to assets | 17.4234% | 346 |
| Core capital (leverage) ratio | 17.5556% | 318 |
| Tier 1 risk-based capital ratio | 32.5707% | 395 |
| Total risk-based capital ratio | 32.9424% | 420 |
| Memoranda: | ||
| Average total assets | $41,517,000 | 5,477 |
| Average earning assets | $38,207,000 | 5,460 |
| Average equity | $7,278,500 | 5,011 |
| Average total loans | $23,416,500 | 5,357 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4225% | 4,935 |
| Cost of funding earning assets | 0.6013% | 1,321 |
| Net interest margin | 2.8212% | 5,264 |
| Noninterest income to average assets | 0.2811% | 4,730 |
| Noninterest expense to average assets | 1.6892% | 5,577 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.1837% | 1,556 |
| Return on assets (ROA) | 1.1837% | 1,651 |
| Pretax return on assets | 1.1837% | 2,748 |
| Return on Equity (ROE) | 6.6890% | 3,648 |
| Retained earnings to average equity (ytd only) | 3.7765% | 3,231 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.7983% | 4,747 |
| Assets per employee ($millions) | 6.7987% | 1,007 |
| Cash dividends to net income (ytd only)* | 43.5417% | 2,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3575% | 5,765 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 57.4010% | 4,126 |
| Net loans and leases to deposits | 69.7394% | 3,932 |
| Net loans and leases to core deposits | 82.9642% | 3,129 |
| Total domestic deposits to total assets | 82.3078% | 3,990 |
| Equity capital to assets | 17.6432% | 329 |
| Core capital (leverage) ratio | 17.3071% | 335 |
| Tier 1 risk-based capital ratio | 31.9526% | 412 |
| Total risk-based capital ratio | 32.3255% | 432 |
| Memoranda: | ||
| Average total assets | $40,552,400 | 5,531 |
| Average earning assets | $37,253,000 | 5,522 |
| Average equity | $7,176,000 | 5,063 |
| Average total loans | $22,318,800 | 5,435 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4052% | 5,018 |
| Cost of funding earning assets | 0.6022% | 1,305 |
| Net interest margin | 2.8030% | 5,353 |
| Noninterest income to average assets | 0.2700% | 4,843 |
| Noninterest expense to average assets | 1.1656% | 5,899 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.6793% | 617 |
| Return on assets (ROA) | 1.6793% | 657 |
| Pretax return on assets | 1.6793% | 1,178 |
| Return on Equity (ROE) | 9.4827% | 2,280 |
| Retained earnings to average equity (ytd only) | 9.4827% | 694 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.9722% | 5,807 |
| Assets per employee ($millions) | 6.8732% | 938 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3495% | 5,828 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 58.0688% | 4,087 |
| Net loans and leases to deposits | 70.9058% | 3,896 |
| Net loans and leases to core deposits | 84.5347% | 3,075 |
| Total domestic deposits to total assets | 81.8958% | 3,964 |
| Equity capital to assets | 18.0315% | 343 |
| Core capital (leverage) ratio | 18.2411% | 286 |
| Tier 1 risk-based capital ratio | 32.2883% | 403 |
| Total risk-based capital ratio | 32.6531% | 427 |
| Memoranda: | ||
| Average total assets | $40,492,500 | 5,590 |
| Average earning assets | $37,197,250 | 5,580 |
| Average equity | $7,170,750 | 5,111 |
| Average total loans | $22,023,750 | 5,499 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3116% | 5,268 |
| Cost of funding earning assets | 0.6006% | 1,310 |
| Net interest margin | 2.7110% | 5,555 |
| Noninterest income to average assets | 0.2833% | 4,758 |
| Noninterest expense to average assets | 1.2076% | 5,971 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.5655% | 782 |
| Return on assets (ROA) | 1.5655% | 821 |
| Pretax return on assets | 1.5655% | 1,475 |
| Return on Equity (ROE) | 8.8954% | 2,541 |
| Retained earnings to average equity (ytd only) | 8.8954% | 879 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.5484% | 5,824 |
| Assets per employee ($millions) | 5.7666% | 1,569 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3698% | 5,900 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 56.0645% | 4,305 |
| Net loans and leases to deposits | 70.0628% | 3,974 |
| Net loans and leases to core deposits | 80.6867% | 3,392 |
| Total domestic deposits to total assets | 80.0203% | 4,535 |
| Equity capital to assets | 17.9384% | 347 |
| Core capital (leverage) ratio | 17.9762% | 297 |
| Tier 1 risk-based capital ratio | 32.9286% | 386 |
| Total risk-based capital ratio | 33.3106% | 411 |
| Memoranda: | ||
| Average total assets | $40,243,670 | 5,658 |
| Average earning assets | $36,961,000 | 5,647 |
| Average equity | $7,082,330 | 5,178 |
| Average total loans | $21,354,670 | 5,584 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2520% | 5,409 |
| Cost of funding earning assets | 0.5962% | 1,354 |
| Net interest margin | 2.6558% | 5,658 |
| Noninterest income to average assets | 0.2489% | 4,957 |
| Noninterest expense to average assets | 1.1547% | 6,043 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.5330% | 801 |
| Return on assets (ROA) | 1.5330% | 844 |
| Pretax return on assets | 1.5330% | 1,495 |
| Return on Equity (ROE) | 8.7962% | 2,520 |
| Retained earnings to average equity (ytd only) | 8.7962% | 1,174 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.9630% | 5,895 |
| Assets per employee ($millions) | 6.6865% | 1,013 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4045% | 5,947 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 51.5541% | 4,672 |
| Net loans and leases to deposits | 64.2010% | 4,430 |
| Net loans and leases to core deposits | 74.9411% | 3,795 |
| Total domestic deposits to total assets | 80.3011% | 4,682 |
| Equity capital to assets | 17.6475% | 360 |
| Core capital (leverage) ratio | 17.6766% | 318 |
| Tier 1 risk-based capital ratio | 34.1008% | 367 |
| Total risk-based capital ratio | 34.5053% | 380 |
| Memoranda: | ||
| Average total assets | $40,182,500 | 5,717 |
| Average earning assets | $36,900,000 | 5,704 |
| Average equity | $7,003,000 | 5,230 |
| Average total loans | $20,674,500 | 5,657 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0484% | 5,691 |
| Cost of funding earning assets | 0.6293% | 1,181 |
| Net interest margin | 2.4191% | 5,881 |
| Noninterest income to average assets | 0.2405% | 5,160 |
| Noninterest expense to average assets | 1.4893% | 5,990 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.9645% | 2,556 |
| Return on assets (ROA) | 0.9645% | 2,628 |
| Pretax return on assets | 0.9645% | 3,597 |
| Return on Equity (ROE) | 5.7456% | 4,157 |
| Retained earnings to average equity (ytd only) | 2.9669% | 3,953 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.6931% | 4,803 |
| Assets per employee ($millions) | 6.7077% | 1,001 |
| Cash dividends to net income (ytd only)* | 48.3627% | 2,402 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4081% | 5,988 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 50.9318% | 4,785 |
| Net loans and leases to deposits | 63.0708% | 4,534 |
| Net loans and leases to core deposits | 73.4801% | 3,993 |
| Total domestic deposits to total assets | 80.7534% | 4,555 |
| Equity capital to assets | 17.2092% | 387 |
| Core capital (leverage) ratio | 16.9199% | 372 |
| Tier 1 risk-based capital ratio | 34.3927% | 351 |
| Total risk-based capital ratio | 34.8098% | 377 |
| Memoranda: | ||
| Average total assets | $41,160,200 | 5,741 |
| Average earning assets | $37,659,200 | 5,738 |
| Average equity | $6,909,600 | 5,262 |
| Average total loans | $19,315,800 | 5,748 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9626% | 5,837 |
| Cost of funding earning assets | 0.6384% | 1,159 |
| Net interest margin | 2.3242% | 6,019 |
| Noninterest income to average assets | 0.2255% | 5,301 |
| Noninterest expense to average assets | 1.0759% | 6,200 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.2724% | 1,414 |
| Return on assets (ROA) | 1.2724% | 1,471 |
| Pretax return on assets | 1.2724% | 2,503 |
| Return on Equity (ROE) | 7.6265% | 3,271 |
| Retained earnings to average equity (ytd only) | 7.6265% | 1,403 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.8162% | 5,970 |
| Assets per employee ($millions) | 6.7625% | 958 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4192% | 6,081 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 49.1805% | 5,001 |
| Net loans and leases to deposits | 61.1441% | 4,778 |
| Net loans and leases to core deposits | 71.4107% | 4,242 |
| Total domestic deposits to total assets | 80.4338% | 4,633 |
| Equity capital to assets | 17.5379% | 384 |
| Core capital (leverage) ratio | 17.5986% | 323 |
| Tier 1 risk-based capital ratio | 35.9285% | 329 |
| Total risk-based capital ratio | 36.3526% | 347 |
| Memoranda: | ||
| Average total assets | $41,388,750 | 5,807 |
| Average earning assets | $37,804,250 | 5,810 |
| Average equity | $6,905,500 | 5,332 |
| Average total loans | $18,999,250 | 5,830 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8466% | 5,987 |
| Cost of funding earning assets | 0.6589% | 1,055 |
| Net interest margin | 2.1877% | 6,150 |
| Noninterest income to average assets | 0.2352% | 5,274 |
| Noninterest expense to average assets | 1.1138% | 6,269 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.1138% | 1,894 |
| Return on assets (ROA) | 1.1138% | 1,981 |
| Pretax return on assets | 1.1138% | 3,115 |
| Return on Equity (ROE) | 6.7883% | 3,736 |
| Retained earnings to average equity (ytd only) | 6.7883% | 1,797 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.0000% | 5,854 |
| Assets per employee ($millions) | 6.7212% | 957 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4213% | 6,154 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 49.2276% | 4,998 |
| Net loans and leases to deposits | 60.9874% | 4,780 |
| Net loans and leases to core deposits | 71.2307% | 4,201 |
| Total domestic deposits to total assets | 80.7176% | 4,688 |
| Equity capital to assets | 17.2416% | 398 |
| Core capital (leverage) ratio | 16.8799% | 376 |
| Tier 1 risk-based capital ratio | 35.9087% | 338 |
| Total risk-based capital ratio | 36.3425% | 358 |
| Memoranda: | ||
| Average total assets | $41,660,000 | 5,867 |
| Average earning assets | $37,940,000 | 5,866 |
| Average equity | $6,835,330 | 5,390 |
| Average total loans | $18,652,670 | 5,903 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7244% | 6,116 |
| Cost of funding earning assets | 0.6576% | 1,062 |
| Net interest margin | 2.0668% | 6,254 |
| Noninterest income to average assets | 0.2268% | 5,333 |
| Noninterest expense to average assets | 1.0490% | 6,357 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.0490% | 2,038 |
| Return on assets (ROA) | 1.0490% | 2,184 |
| Pretax return on assets | 1.0490% | 3,303 |
| Return on Equity (ROE) | 6.5521% | 3,738 |
| Retained earnings to average equity (ytd only) | 6.5521% | 2,211 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.0000% | 5,915 |
| Assets per employee ($millions) | 7.1137% | 821 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4815% | 6,182 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 40.6799% | 5,565 |
| Net loans and leases to deposits | 49.5689% | 5,488 |
| Net loans and leases to core deposits | 57.1904% | 5,176 |
| Total domestic deposits to total assets | 82.0674% | 4,492 |
| Equity capital to assets | 16.0067% | 544 |
| Core capital (leverage) ratio | 16.3105% | 430 |
| Tier 1 risk-based capital ratio | 36.5524% | 322 |
| Total risk-based capital ratio | 37.0018% | 339 |
| Memoranda: | ||
| Average total assets | $42,326,500 | 5,911 |
| Average earning assets | $38,320,500 | 5,911 |
| Average equity | $6,776,500 | 5,441 |
| Average total loans | $18,011,000 | 5,974 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7336% | 6,242 |
| Cost of funding earning assets | 0.7005% | 1,109 |
| Net interest margin | 2.0331% | 6,358 |
| Noninterest income to average assets | 0.2437% | 5,381 |
| Noninterest expense to average assets | 1.3121% | 6,393 |
| Loan and lease loss provision to assets | 0.0141% | 4,330 |
| Net operating income to assets | 0.8013% | 3,362 |
| Return on assets (ROA) | 0.8013% | 3,462 |
| Pretax return on assets | 0.8013% | 4,255 |
| Return on Equity (ROE) | 5.1045% | 4,608 |
| Retained earnings to average equity (ytd only) | 2.7313% | 4,299 |
| Net charge-offs to loans | 0.0339% | 4,153 |
| Credit loss provision to net charge-offs | 100.0000% | 2,387 |
| Earnings coverage of net charge-offs (x) | 58.0000% | 811 |
| Efficiency ratio | 61.6740% | 4,958 |
| Assets per employee ($millions) | 6.9952% | 843 |
| Cash dividends to net income (ytd only)* | 46.4912% | 2,486 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4522% | 6,294 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 44.0566% | 5,462 |
| Net loans and leases to deposits | 53.7045% | 5,353 |
| Net loans and leases to core deposits | 62.1003% | 4,993 |
| Total domestic deposits to total assets | 82.0352% | 4,408 |
| Equity capital to assets | 16.0134% | 532 |
| Core capital (leverage) ratio | 15.7655% | 496 |
| Tier 1 risk-based capital ratio | 37.3078% | 274 |
| Total risk-based capital ratio | 37.7741% | 292 |
| Memoranda: | ||
| Average total assets | $42,681,200 | 5,960 |
| Average earning assets | $39,545,200 | 5,931 |
| Average equity | $6,700,000 | 5,479 |
| Average total loans | $17,706,800 | 6,058 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6589% | 6,356 |
| Cost of funding earning assets | 0.7016% | 1,144 |
| Net interest margin | 1.9572% | 6,458 |
| Noninterest income to average assets | 0.2271% | 5,572 |
| Noninterest expense to average assets | 1.0079% | 6,522 |
| Loan and lease loss provision to assets | 0.0187% | 4,034 |
| Net operating income to assets | 1.0142% | 2,390 |
| Return on assets (ROA) | 1.0142% | 2,450 |
| Pretax return on assets | 1.0142% | 3,539 |
| Return on Equity (ROE) | 6.4926% | 3,968 |
| Retained earnings to average equity (ytd only) | 6.4926% | 2,108 |
| Net charge-offs to loans | 0.0457% | 3,580 |
| Credit loss provision to net charge-offs | 100.0000% | 2,200 |
| Earnings coverage of net charge-offs (x) | 55.3325% | 921 |
| Efficiency ratio | 49.3902% | 6,122 |
| Assets per employee ($millions) | 7.0517% | 790 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4448% | 6,378 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 44.4339% | 5,493 |
| Net loans and leases to deposits | 54.3039% | 5,363 |
| Net loans and leases to core deposits | 62.9268% | 4,972 |
| Total domestic deposits to total assets | 81.8246% | 4,541 |
| Equity capital to assets | 16.2231% | 531 |
| Core capital (leverage) ratio | 16.0299% | 475 |
| Tier 1 risk-based capital ratio | 37.4734% | 287 |
| Total risk-based capital ratio | 37.9320% | 300 |
| Memoranda: | ||
| Average total assets | $42,858,750 | 6,025 |
| Average earning assets | $39,715,000 | 5,995 |
| Average equity | $6,694,750 | 5,535 |
| Average total loans | $17,489,750 | 6,124 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5675% | 6,455 |
| Cost of funding earning assets | 0.7071% | 1,158 |
| Net interest margin | 1.8605% | 6,544 |
| Noninterest income to average assets | 0.2277% | 5,579 |
| Noninterest expense to average assets | 1.0316% | 6,589 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.9200% | 2,702 |
| Return on assets (ROA) | 0.9200% | 2,804 |
| Pretax return on assets | 0.9200% | 3,806 |
| Return on Equity (ROE) | 5.9654% | 4,169 |
| Retained earnings to average equity (ytd only) | 5.9654% | 2,343 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.8571% | 6,004 |
| Assets per employee ($millions) | 7.0812% | 771 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4820% | 6,434 |
| Loan loss allowance to noncurrent loans | 1,050.0000% | 504 |
| Noncurrent assets plus other real estate owned to assets | 0.0188% | 6,176 |
| Noncurrent loans to loans | 0.0459% | 5,911 |
| Net loans and leases to total assets | 40.8195% | 5,759 |
| Net loans and leases to deposits | 49.6635% | 5,660 |
| Net loans and leases to core deposits | 57.4443% | 5,311 |
| Total domestic deposits to total assets | 82.1922% | 4,585 |
| Equity capital to assets | 15.8543% | 574 |
| Core capital (leverage) ratio | 15.5164% | 536 |
| Tier 1 risk-based capital ratio | 39.9147% | 245 |
| Total risk-based capital ratio | 40.4124% | 255 |
| Memoranda: | ||
| Average total assets | $43,041,670 | 6,078 |
| Average earning assets | $39,882,670 | 6,045 |
| Average equity | $6,638,330 | 5,573 |
| Average total loans | $17,025,000 | 6,198 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5298% | 6,541 |
| Cost of funding earning assets | 0.6972% | 1,261 |
| Net interest margin | 1.8326% | 6,621 |
| Noninterest income to average assets | 0.2308% | 5,504 |
| Noninterest expense to average assets | 0.9788% | 6,678 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.9511% | 2,400 |
| Return on assets (ROA) | 0.9511% | 2,472 |
| Pretax return on assets | 0.9511% | 3,509 |
| Return on Equity (ROE) | 6.2524% | 3,880 |
| Retained earnings to average equity (ytd only) | 6.2524% | 2,404 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.7177% | 6,212 |
| Assets per employee ($millions) | 7.3508% | 680 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5031% | 6,502 |
| Loan loss allowance to noncurrent loans | 646.1538% | 759 |
| Noncurrent assets plus other real estate owned to assets | 0.0295% | 6,205 |
| Noncurrent loans to loans | 0.0779% | 5,902 |
| Net loans and leases to total assets | 37.6669% | 5,965 |
| Net loans and leases to deposits | 45.3498% | 5,896 |
| Net loans and leases to core deposits | 52.0506% | 5,613 |
| Total domestic deposits to total assets | 83.0586% | 4,590 |
| Equity capital to assets | 15.0572% | 659 |
| Core capital (leverage) ratio | 15.2705% | 566 |
| Tier 1 risk-based capital ratio | 39.9579% | 236 |
| Total risk-based capital ratio | 40.4633% | 247 |
| Memoranda: | ||
| Average total assets | $43,319,000 | 6,131 |
| Average earning assets | $40,160,500 | 6,098 |
| Average equity | $6,589,500 | 5,618 |
| Average total loans | $16,824,000 | 6,267 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6595% | 6,567 |
| Cost of funding earning assets | 0.7718% | 1,363 |
| Net interest margin | 1.8877% | 6,670 |
| Noninterest income to average assets | 0.2563% | 5,514 |
| Noninterest expense to average assets | 1.3355% | 6,666 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.6748% | 3,918 |
| Return on assets (ROA) | 0.6748% | 4,012 |
| Pretax return on assets | 0.6748% | 4,621 |
| Return on Equity (ROE) | 4.3592% | 4,956 |
| Retained earnings to average equity (ytd only) | 1.4429% | 5,172 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4327% | 4,484 |
| Assets per employee ($millions) | 7.0888% | 727 |
| Cash dividends to net income (ytd only)* | 66.8990% | 1,445 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4955% | 6,578 |
| Loan loss allowance to noncurrent loans | 1,200.0000% | 440 |
| Noncurrent assets plus other real estate owned to assets | 0.0165% | 6,365 |
| Noncurrent loans to loans | 0.0413% | 6,120 |
| Net loans and leases to total assets | 39.6563% | 5,988 |
| Net loans and leases to deposits | 47.9571% | 5,901 |
| Net loans and leases to core deposits | 55.3597% | 5,589 |
| Total domestic deposits to total assets | 82.6911% | 4,640 |
| Equity capital to assets | 15.3716% | 606 |
| Core capital (leverage) ratio | 15.2156% | 581 |
| Tier 1 risk-based capital ratio | 38.5609% | 254 |
| Total risk-based capital ratio | 39.0563% | 263 |
| Memoranda: | ||
| Average total assets | $42,530,200 | 6,207 |
| Average earning assets | $39,518,800 | 6,182 |
| Average equity | $6,583,800 | 5,675 |
| Average total loans | $16,559,400 | 6,344 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6605% | 6,640 |
| Cost of funding earning assets | 0.7746% | 1,459 |
| Net interest margin | 1.8859% | 6,753 |
| Noninterest income to average assets | 0.2445% | 5,685 |
| Noninterest expense to average assets | 1.0220% | 6,828 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.9781% | 2,475 |
| Return on assets (ROA) | 0.9781% | 2,578 |
| Pretax return on assets | 0.9781% | 3,593 |
| Return on Equity (ROE) | 6.3074% | 4,025 |
| Retained earnings to average equity (ytd only) | 6.3074% | 2,231 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.0972% | 6,323 |
| Assets per employee ($millions) | 7.0597% | 724 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4877% | 6,665 |
| Loan loss allowance to noncurrent loans | 600.0000% | 760 |
| Noncurrent assets plus other real estate owned to assets | 0.0331% | 6,379 |
| Noncurrent loans to loans | 0.0813% | 6,091 |
| Net loans and leases to total assets | 40.4646% | 5,998 |
| Net loans and leases to deposits | 49.2954% | 5,882 |
| Net loans and leases to core deposits | 57.0136% | 5,526 |
| Total domestic deposits to total assets | 82.0860% | 4,899 |
| Equity capital to assets | 15.9474% | 564 |
| Core capital (leverage) ratio | 15.9252% | 501 |
| Tier 1 risk-based capital ratio | 39.3878% | 248 |
| Total risk-based capital ratio | 39.8776% | 253 |
| Memoranda: | ||
| Average total assets | $42,529,500 | 6,281 |
| Average earning assets | $39,591,250 | 6,250 |
| Average equity | $6,595,250 | 5,741 |
| Average total loans | $16,461,500 | 6,416 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6333% | 6,692 |
| Cost of funding earning assets | 0.7718% | 1,574 |
| Net interest margin | 1.8615% | 6,803 |
| Noninterest income to average assets | 0.2395% | 5,735 |
| Noninterest expense to average assets | 1.0567% | 6,866 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.9158% | 2,717 |
| Return on assets (ROA) | 0.9158% | 2,858 |
| Pretax return on assets | 0.9158% | 3,850 |
| Return on Equity (ROE) | 5.9615% | 4,200 |
| Retained earnings to average equity (ytd only) | 5.9615% | 2,465 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.5714% | 6,175 |
| Assets per employee ($millions) | 7.0342% | 709 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5100% | 6,700 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 38.8248% | 6,124 |
| Net loans and leases to deposits | 47.1716% | 6,034 |
| Net loans and leases to core deposits | 54.5382% | 5,710 |
| Total domestic deposits to total assets | 82.3054% | 4,945 |
| Equity capital to assets | 15.7280% | 570 |
| Core capital (leverage) ratio | 15.5177% | 519 |
| Tier 1 risk-based capital ratio | 40.1233% | 229 |
| Total risk-based capital ratio | 40.6310% | 238 |
| Memoranda: | ||
| Average total assets | $42,586,670 | 6,328 |
| Average earning assets | $39,646,330 | 6,292 |
| Average equity | $6,542,000 | 5,798 |
| Average total loans | $16,207,330 | 6,463 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6028% | 6,778 |
| Cost of funding earning assets | 0.7637% | 1,761 |
| Net interest margin | 1.8390% | 6,883 |
| Noninterest income to average assets | 0.2431% | 5,718 |
| Noninterest expense to average assets | 1.0005% | 6,961 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.9538% | 2,427 |
| Return on assets (ROA) | 0.9538% | 2,566 |
| Pretax return on assets | 0.9538% | 3,549 |
| Return on Equity (ROE) | 6.2827% | 3,896 |
| Retained earnings to average equity (ytd only) | 6.2827% | 2,520 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.1962% | 6,424 |
| Assets per employee ($millions) | 7.2865% | 675 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5207% | 6,772 |
| Loan loss allowance to noncurrent loans | 1,400.0000% | 350 |
| Noncurrent assets plus other real estate owned to assets | 0.0137% | 6,577 |
| Noncurrent loans to loans | 0.0372% | 6,377 |
| Net loans and leases to total assets | 36.7049% | 6,247 |
| Net loans and leases to deposits | 44.1494% | 6,193 |
| Net loans and leases to core deposits | 50.6726% | 5,921 |
| Total domestic deposits to total assets | 83.1378% | 4,813 |
| Equity capital to assets | 14.9706% | 764 |
| Core capital (leverage) ratio | 15.0932% | 580 |
| Tier 1 risk-based capital ratio | 40.0943% | 232 |
| Total risk-based capital ratio | 40.6089% | 240 |
| Memoranda: | ||
| Average total assets | $42,777,500 | 6,378 |
| Average earning assets | $39,804,000 | 6,341 |
| Average equity | $6,494,000 | 5,867 |
| Average total loans | $16,076,000 | 6,532 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7425% | 6,869 |
| Cost of funding earning assets | 1.0190% | 1,259 |
| Net interest margin | 1.7235% | 6,974 |
| Noninterest income to average assets | 0.2369% | 5,753 |
| Noninterest expense to average assets | 1.2352% | 6,976 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.6043% | 4,219 |
| Return on assets (ROA) | 0.6043% | 4,480 |
| Pretax return on assets | 0.6043% | 4,984 |
| Return on Equity (ROE) | 3.9238% | 5,177 |
| Retained earnings to average equity (ytd only) | 3.1390% | 4,028 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1485% | 4,302 |
| Assets per employee ($millions) | 6.9727% | 777 |
| Cash dividends to net income (ytd only)* | 20.0000% | 3,743 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5243% | 6,823 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 38.0940% | 6,298 |
| Net loans and leases to deposits | 49.2323% | 6,012 |
| Net loans and leases to core deposits | 53.3367% | 5,921 |
| Total domestic deposits to total assets | 77.3759% | 6,181 |
| Equity capital to assets | 15.4006% | 657 |
| Core capital (leverage) ratio | 15.5677% | 496 |
| Tier 1 risk-based capital ratio | 40.7733% | 229 |
| Total risk-based capital ratio | 41.3049% | 235 |
| Memoranda: | ||
| Average total assets | $41,370,200 | 6,454 |
| Average earning assets | $38,469,000 | 6,414 |
| Average equity | $6,371,400 | 5,922 |
| Average total loans | $14,305,800 | 6,691 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6938% | 6,999 |
| Cost of funding earning assets | 1.0449% | 1,305 |
| Net interest margin | 1.6489% | 7,094 |
| Noninterest income to average assets | 0.2392% | 5,839 |
| Noninterest expense to average assets | 0.9858% | 7,121 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.7886% | 3,510 |
| Return on assets (ROA) | 0.7886% | 3,751 |
| Pretax return on assets | 0.7886% | 4,537 |
| Return on Equity (ROE) | 5.1205% | 4,768 |
| Retained earnings to average equity (ytd only) | 5.1205% | 3,278 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.5556% | 6,099 |
| Assets per employee ($millions) | 6.8063% | 812 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5245% | 6,938 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 39.0127% | 6,347 |
| Net loans and leases to deposits | 50.8571% | 6,051 |
| Net loans and leases to core deposits | 55.2849% | 5,942 |
| Total domestic deposits to total assets | 76.7104% | 6,279 |
| Equity capital to assets | 15.8847% | 630 |
| Core capital (leverage) ratio | 15.9351% | 485 |
| Tier 1 risk-based capital ratio | 39.8318% | 250 |
| Total risk-based capital ratio | 40.3475% | 258 |
| Memoranda: | ||
| Average total assets | $41,253,750 | 6,539 |
| Average earning assets | $38,408,000 | 6,492 |
| Average equity | $6,353,500 | 5,997 |
| Average total loans | $13,877,000 | 6,789 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6202% | 7,097 |
| Cost of funding earning assets | 1.0740% | 1,340 |
| Net interest margin | 1.5462% | 7,175 |
| Noninterest income to average assets | 0.2513% | 5,782 |
| Noninterest expense to average assets | 1.0292% | 7,181 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.6620% | 4,052 |
| Return on assets (ROA) | 0.6620% | 4,313 |
| Pretax return on assets | 0.6620% | 4,940 |
| Return on Equity (ROE) | 4.3430% | 5,115 |
| Retained earnings to average equity (ytd only) | 4.3430% | 3,722 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8571% | 5,444 |
| Assets per employee ($millions) | 6.7837% | 825 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5955% | 6,941 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 34.4479% | 6,703 |
| Net loans and leases to deposits | 44.7855% | 6,515 |
| Net loans and leases to core deposits | 48.6705% | 6,420 |
| Total domestic deposits to total assets | 76.9176% | 6,336 |
| Equity capital to assets | 15.6749% | 648 |
| Core capital (leverage) ratio | 15.3093% | 545 |
| Tier 1 risk-based capital ratio | 42.4767% | 197 |
| Total risk-based capital ratio | 43.0360% | 201 |
| Memoranda: | ||
| Average total assets | $41,392,330 | 6,576 |
| Average earning assets | $38,547,330 | 6,529 |
| Average equity | $6,309,000 | 6,041 |
| Average total loans | $13,164,000 | 6,875 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5820% | 7,161 |
| Cost of funding earning assets | 1.1830% | 1,058 |
| Net interest margin | 1.3990% | 7,247 |
| Noninterest income to average assets | 0.2492% | 5,861 |
| Noninterest expense to average assets | 0.9680% | 7,259 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.5846% | 4,420 |
| Return on assets (ROA) | 0.5846% | 4,639 |
| Pretax return on assets | 0.5846% | 5,164 |
| Return on Equity (ROE) | 3.8894% | 5,344 |
| Retained earnings to average equity (ytd only) | 3.8894% | 4,258 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3457% | 5,207 |
| Assets per employee ($millions) | 7.0053% | 754 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6784% | 6,901 |
| Loan loss allowance to noncurrent loans | 8,400.0000% | 74 |
| Noncurrent assets plus other real estate owned to assets | 0.0024% | 6,949 |
| Noncurrent loans to loans | 0.0081% | 6,778 |
| Net loans and leases to total assets | 29.2587% | 6,939 |
| Net loans and leases to deposits | 37.8750% | 6,826 |
| Net loans and leases to core deposits | 40.6963% | 6,795 |
| Total domestic deposits to total assets | 77.2507% | 6,358 |
| Equity capital to assets | 14.9981% | 748 |
| Core capital (leverage) ratio | 14.9586% | 602 |
| Tier 1 risk-based capital ratio | 47.1327% | 142 |
| Total risk-based capital ratio | 47.7607% | 144 |
| Memoranda: | ||
| Average total assets | $41,737,500 | 6,615 |
| Average earning assets | $38,884,000 | 6,567 |
| Average equity | $6,273,500 | 6,079 |
| Average total loans | $12,693,500 | 6,948 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9199% | 7,195 |
| Cost of funding earning assets | 1.1601% | 2,281 |
| Net interest margin | 1.7598% | 7,266 |
| Noninterest income to average assets | 0.2626% | 5,659 |
| Noninterest expense to average assets | 1.2521% | 7,254 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.6516% | 3,735 |
| Return on assets (ROA) | 0.6759% | 3,795 |
| Pretax return on assets | 0.6759% | 4,423 |
| Return on Equity (ROE) | 4.4798% | 4,637 |
| Retained earnings to average equity (ytd only) | 2.9489% | 4,138 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7727% | 4,820 |
| Assets per employee ($millions) | 6.9072% | 768 |
| Cash dividends to net income (ytd only)* | 34.1727% | 2,916 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6459% | 6,966 |
| Loan loss allowance to noncurrent loans | 8,400.0000% | 81 |
| Noncurrent assets plus other real estate owned to assets | 0.0024% | 7,010 |
| Noncurrent loans to loans | 0.0077% | 6,842 |
| Net loans and leases to total assets | 31.1778% | 6,969 |
| Net loans and leases to deposits | 40.4236% | 6,862 |
| Net loans and leases to core deposits | 43.4699% | 6,834 |
| Total domestic deposits to total assets | 77.1276% | 6,322 |
| Equity capital to assets | 15.0641% | 766 |
| Core capital (leverage) ratio | 14.5575% | 702 |
| Tier 1 risk-based capital ratio | 46.1215% | 162 |
| Total risk-based capital ratio | 46.7420% | 163 |
| Memoranda: | ||
| Average total assets | $41,131,400 | 6,631 |
| Average earning assets | $38,357,200 | 6,591 |
| Average equity | $6,205,600 | 6,099 |
| Average total loans | $12,308,400 | 7,021 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9702% | 7,271 |
| Cost of funding earning assets | 1.1734% | 2,492 |
| Net interest margin | 1.7967% | 7,335 |
| Noninterest income to average assets | 0.2501% | 5,824 |
| Noninterest expense to average assets | 0.9970% | 7,374 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.9288% | 2,628 |
| Return on assets (ROA) | 0.9613% | 2,642 |
| Pretax return on assets | 0.9613% | 3,550 |
| Return on Equity (ROE) | 6.3693% | 3,842 |
| Retained earnings to average equity (ytd only) | 6.3693% | 2,313 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.7707% | 6,698 |
| Assets per employee ($millions) | 6.9715% | 747 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6548% | 7,022 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 30.4669% | 7,074 |
| Net loans and leases to deposits | 39.5298% | 6,989 |
| Net loans and leases to core deposits | 42.5353% | 6,970 |
| Total domestic deposits to total assets | 77.0733% | 6,370 |
| Equity capital to assets | 15.1928% | 797 |
| Core capital (leverage) ratio | 15.3629% | 599 |
| Tier 1 risk-based capital ratio | 39.5901% | 262 |
| Total risk-based capital ratio | 40.1134% | 268 |
| Memoranda: | ||
| Average total assets | $41,053,500 | 6,693 |
| Average earning assets | $38,290,750 | 6,647 |
| Average equity | $6,196,250 | 6,154 |
| Average total loans | $12,134,250 | 7,096 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9419% | 7,352 |
| Cost of funding earning assets | 1.1820% | 2,698 |
| Net interest margin | 1.7599% | 7,414 |
| Noninterest income to average assets | 0.2598% | 5,789 |
| Noninterest expense to average assets | 1.0491% | 7,447 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.8530% | 2,844 |
| Return on assets (ROA) | 0.8530% | 2,938 |
| Pretax return on assets | 0.8530% | 3,821 |
| Return on Equity (ROE) | 5.6647% | 4,132 |
| Retained earnings to average equity (ytd only) | 5.6647% | 2,611 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.1546% | 6,492 |
| Assets per employee ($millions) | 6.8593% | 786 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6480% | 7,088 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 31.2931% | 7,135 |
| Net loans and leases to deposits | 40.6316% | 7,044 |
| Net loans and leases to core deposits | 43.7600% | 7,012 |
| Total domestic deposits to total assets | 77.0167% | 6,449 |
| Equity capital to assets | 15.1497% | 785 |
| Core capital (leverage) ratio | 15.4204% | 599 |
| Tier 1 risk-based capital ratio | 38.7687% | 260 |
| Total risk-based capital ratio | 39.2910% | 267 |
| Memoranda: | ||
| Average total assets | $40,795,000 | 6,760 |
| Average earning assets | $38,070,000 | 6,715 |
| Average equity | $6,143,330 | 6,190 |
| Average total loans | $11,903,000 | 7,177 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8492% | 7,433 |
| Cost of funding earning assets | 1.1924% | 2,871 |
| Net interest margin | 1.6568% | 7,482 |
| Noninterest income to average assets | 0.2561% | 5,849 |
| Noninterest expense to average assets | 1.0637% | 7,507 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.7387% | 3,330 |
| Return on assets (ROA) | 0.7387% | 3,394 |
| Pretax return on assets | 0.7387% | 4,152 |
| Return on Equity (ROE) | 4.9200% | 4,445 |
| Retained earnings to average equity (ytd only) | 4.9200% | 3,245 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.0164% | 6,128 |
| Assets per employee ($millions) | 6.8217% | 805 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7395% | 7,022 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 27.5470% | 7,307 |
| Net loans and leases to deposits | 35.7075% | 7,231 |
| Net loans and leases to core deposits | 38.4747% | 7,208 |
| Total domestic deposits to total assets | 77.1463% | 6,507 |
| Equity capital to assets | 14.9890% | 775 |
| Core capital (leverage) ratio | 14.8519% | 686 |
| Tier 1 risk-based capital ratio | 42.2248% | 206 |
| Total risk-based capital ratio | 42.8031% | 211 |
| Memoranda: | ||
| Average total assets | $40,614,500 | 6,811 |
| Average earning assets | $37,905,500 | 6,762 |
| Average equity | $6,097,500 | 6,211 |
| Average total loans | $11,373,000 | 7,255 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9641% | 7,499 |
| Cost of funding earning assets | 1.7502% | 1,376 |
| Net interest margin | 1.2138% | 7,569 |
| Noninterest income to average assets | 0.2513% | 6,003 |
| Noninterest expense to average assets | 1.1545% | 7,556 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.1891% | 5,301 |
| Return on assets (ROA) | 0.1891% | 5,476 |
| Pretax return on assets | 0.1891% | 5,511 |
| Return on Equity (ROE) | 1.2488% | 5,638 |
| Retained earnings to average equity (ytd only) | 0.1807% | 5,486 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.9259% | 1,707 |
| Assets per employee ($millions) | 6.7165% | 855 |
| Cash dividends to net income (ytd only)* | 85.5263% | 693 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7377% | 7,071 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 28.0478% | 7,403 |
| Net loans and leases to deposits | 36.2171% | 7,342 |
| Net loans and leases to core deposits | 38.7116% | 7,332 |
| Total domestic deposits to total assets | 77.4436% | 6,413 |
| Equity capital to assets | 15.0376% | 779 |
| Core capital (leverage) ratio | 14.8050% | 691 |
| Tier 1 risk-based capital ratio | 42.0512% | 214 |
| Total risk-based capital ratio | 42.6341% | 217 |
| Memoranda: | ||
| Average total assets | $40,190,600 | 6,865 |
| Average earning assets | $36,166,400 | 6,878 |
| Average equity | $6,086,000 | 6,331 |
| Average total loans | $10,945,000 | 7,352 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0348% | 7,621 |
| Cost of funding earning assets | 1.8283% | 1,311 |
| Net interest margin | 1.2065% | 7,692 |
| Noninterest income to average assets | 0.2324% | 6,228 |
| Noninterest expense to average assets | 1.0092% | 7,694 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.2988% | 5,176 |
| Return on assets (ROA) | 0.2988% | 5,341 |
| Pretax return on assets | 0.2988% | 5,512 |
| Return on Equity (ROE) | 1.9696% | 5,619 |
| Retained earnings to average equity (ytd only) | 1.9696% | 4,970 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1574% | 2,745 |
| Assets per employee ($millions) | 6.9488% | 785 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7482% | 7,115 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 26.7263% | 7,531 |
| Net loans and leases to deposits | 34.5316% | 7,505 |
| Net loans and leases to core deposits | 36.8400% | 7,485 |
| Total domestic deposits to total assets | 77.3967% | 6,390 |
| Equity capital to assets | 14.7267% | 961 |
| Core capital (leverage) ratio | 15.3295% | 658 |
| Tier 1 risk-based capital ratio | 42.2186% | 213 |
| Total risk-based capital ratio | 42.7962% | 219 |
| Memoranda: | ||
| Average total assets | $40,163,500 | 6,943 |
| Average earning assets | $35,806,500 | 6,965 |
| Average equity | $6,092,500 | 6,417 |
| Average total loans | $10,834,500 | 7,455 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1485% | 7,689 |
| Cost of funding earning assets | 1.9455% | 1,058 |
| Net interest margin | 1.2030% | 7,766 |
| Noninterest income to average assets | 0.2320% | 6,255 |
| Noninterest expense to average assets | 1.0289% | 7,767 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.2572% | 5,347 |
| Return on assets (ROA) | 0.2572% | 5,485 |
| Pretax return on assets | 0.2572% | 5,636 |
| Return on Equity (ROE) | 1.6786% | 5,740 |
| Retained earnings to average equity (ytd only) | 1.6786% | 5,036 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.0000% | 2,450 |
| Assets per employee ($millions) | 6.5490% | 933 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7626% | 7,114 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 27.8185% | 7,581 |
| Net loans and leases to deposits | 36.5121% | 7,523 |
| Net loans and leases to core deposits | 39.1399% | 7,505 |
| Total domestic deposits to total assets | 76.1897% | 6,650 |
| Equity capital to assets | 15.5367% | 763 |
| Core capital (leverage) ratio | 15.3637% | 655 |
| Tier 1 risk-based capital ratio | 37.6892% | 285 |
| Total risk-based capital ratio | 38.2082% | 294 |
| Memoranda: | ||
| Average total assets | $39,653,670 | 7,011 |
| Average earning assets | $34,747,000 | 7,054 |
| Average equity | $6,076,670 | 6,449 |
| Average total loans | $10,703,670 | 7,518 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1574% | 7,782 |
| Cost of funding earning assets | 2.0576% | 919 |
| Net interest margin | 1.0998% | 7,872 |
| Noninterest income to average assets | 0.2209% | 6,384 |
| Noninterest expense to average assets | 1.0343% | 7,871 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.1205% | 5,969 |
| Return on assets (ROA) | 0.1205% | 6,081 |
| Pretax return on assets | 0.1205% | 6,088 |
| Return on Equity (ROE) | 0.7918% | 6,177 |
| Retained earnings to average equity (ytd only) | 0.7918% | 5,502 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.5652% | 1,466 |
| Assets per employee ($millions) | 6.6948% | 912 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8100% | 7,104 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 25.6093% | 7,710 |
| Net loans and leases to deposits | 33.3193% | 7,677 |
| Net loans and leases to core deposits | 35.9836% | 7,652 |
| Total domestic deposits to total assets | 76.8603% | 6,586 |
| Equity capital to assets | 15.1161% | 852 |
| Core capital (leverage) ratio | 15.2497% | 702 |
| Tier 1 risk-based capital ratio | 38.4045% | 279 |
| Total risk-based capital ratio | 38.9368% | 286 |
| Memoranda: | ||
| Average total assets | $39,833,500 | 7,090 |
| Average earning assets | $33,825,500 | 7,167 |
| Average equity | $6,062,500 | 6,496 |
| Average total loans | $10,548,000 | 7,626 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0730% | 7,660 |
| Cost of funding earning assets | 2.5089% | 1,009 |
| Net interest margin | 1.5641% | 7,853 |
| Noninterest income to average assets | 0.1632% | 6,909 |
| Noninterest expense to average assets | 1.2263% | 7,899 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.2116% | 4,865 |
| Return on assets (ROA) | 0.2116% | 4,926 |
| Pretax return on assets | 0.2116% | 4,978 |
| Return on Equity (ROE) | 1.3531% | 5,133 |
| Retained earnings to average equity (ytd only) | 0.0326% | 4,893 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.2837% | 2,191 |
| Assets per employee ($millions) | 6.5830% | 958 |
| Cash dividends to net income (ytd only)* | 97.5904% | 689 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7832% | 7,183 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 26.9406% | 7,774 |
| Net loans and leases to deposits | 35.1745% | 7,740 |
| Net loans and leases to core deposits | 47.6129% | 7,639 |
| Total domestic deposits to total assets | 76.5912% | 6,568 |
| Equity capital to assets | 15.3248% | 839 |
| Core capital (leverage) ratio | 15.1958% | 739 |
| Tier 1 risk-based capital ratio | 38.1304% | 284 |
| Total risk-based capital ratio | 38.6599% | 287 |
| Memoranda: | ||
| Average total assets | $39,224,000 | 7,128 |
| Average earning assets | $31,966,800 | 7,264 |
| Average equity | $6,134,200 | 6,559 |
| Average total loans | $9,984,200 | 7,708 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1308% | 7,762 |
| Cost of funding earning assets | 2.5237% | 1,231 |
| Net interest margin | 1.6071% | 7,930 |
| Noninterest income to average assets | 0.2384% | 6,523 |
| Noninterest expense to average assets | 0.9977% | 8,031 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.5721% | 3,723 |
| Return on assets (ROA) | 0.5721% | 3,788 |
| Pretax return on assets | 0.5721% | 4,291 |
| Return on Equity (ROE) | 3.6395% | 4,522 |
| Retained earnings to average equity (ytd only) | 3.6395% | 3,250 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5575% | 5,831 |
| Assets per employee ($millions) | 6.5692% | 956 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7904% | 7,153 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 26.7487% | 7,867 |
| Net loans and leases to deposits | 35.4446% | 7,838 |
| Net loans and leases to core deposits | 47.4205% | 7,745 |
| Total domestic deposits to total assets | 75.4662% | 6,682 |
| Equity capital to assets | 15.8239% | 817 |
| Core capital (leverage) ratio | 15.7925% | 708 |
| Tier 1 risk-based capital ratio | 39.4328% | 291 |
| Total risk-based capital ratio | 39.9657% | 299 |
| Memoranda: | ||
| Average total assets | $39,155,500 | 7,193 |
| Average earning assets | $32,438,750 | 7,309 |
| Average equity | $6,154,500 | 6,610 |
| Average total loans | $9,799,000 | 7,791 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1061% | 7,872 |
| Cost of funding earning assets | 2.5241% | 1,532 |
| Net interest margin | 1.5821% | 7,996 |
| Noninterest income to average assets | 0.2508% | 6,493 |
| Noninterest expense to average assets | 0.9829% | 8,129 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.6092% | 3,640 |
| Return on assets (ROA) | 0.6092% | 3,747 |
| Pretax return on assets | 0.6092% | 4,296 |
| Return on Equity (ROE) | 3.8844% | 4,542 |
| Retained earnings to average equity (ytd only) | 3.8844% | 3,122 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7363% | 6,284 |
| Assets per employee ($millions) | 6.5310% | 953 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8347% | 7,043 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 25.4683% | 7,969 |
| Net loans and leases to deposits | 33.6684% | 7,944 |
| Net loans and leases to core deposits | 45.5064% | 7,845 |
| Total domestic deposits to total assets | 75.6444% | 6,627 |
| Equity capital to assets | 15.6918% | 886 |
| Core capital (leverage) ratio | 15.5530% | 816 |
| Tier 1 risk-based capital ratio | 40.3376% | 300 |
| Total risk-based capital ratio | 40.8871% | 307 |
| Memoranda: | ||
| Average total assets | $39,069,000 | 7,255 |
| Average earning assets | $33,121,330 | 7,353 |
| Average equity | $6,127,000 | 6,675 |
| Average total loans | $9,523,000 | 7,881 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0309% | 7,978 |
| Cost of funding earning assets | 2.5252% | 1,823 |
| Net interest margin | 1.5057% | 8,056 |
| Noninterest income to average assets | 0.2666% | 6,309 |
| Noninterest expense to average assets | 0.9331% | 8,181 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.6357% | 3,862 |
| Return on assets (ROA) | 0.6357% | 4,043 |
| Pretax return on assets | 0.6357% | 4,637 |
| Return on Equity (ROE) | 4.0549% | 4,905 |
| Retained earnings to average equity (ytd only) | 4.0549% | 3,642 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4771% | 6,483 |
| Assets per employee ($millions) | 6.5075% | 954 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9206% | 6,650 |
| Loan loss allowance to noncurrent loans | 8,400.0000% | 69 |
| Noncurrent assets plus other real estate owned to assets | 0.0026% | 7,661 |
| Noncurrent loans to loans | 0.0110% | 7,538 |
| Net loans and leases to total assets | 23.1528% | 8,050 |
| Net loans and leases to deposits | 31.0514% | 8,024 |
| Net loans and leases to core deposits | 41.2955% | 7,957 |
| Total domestic deposits to total assets | 74.5627% | 6,792 |
| Equity capital to assets | 15.7229% | 924 |
| Core capital (leverage) ratio | 15.6609% | 833 |
| Tier 1 risk-based capital ratio | 41.9027% | 285 |
| Total risk-based capital ratio | 42.4789% | 290 |
| Memoranda: | ||
| Average total assets | $39,010,500 | 7,296 |
| Average earning assets | $33,739,500 | 7,369 |
| Average equity | $6,116,000 | 6,720 |
| Average total loans | $9,252,500 | 7,941 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8163% | 7,938 |
| Cost of funding earning assets | 2.6831% | 3,244 |
| Net interest margin | 2.1331% | 7,998 |
| Noninterest income to average assets | 0.2682% | 6,542 |
| Noninterest expense to average assets | 1.3566% | 8,098 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.8821% | 3,084 |
| Return on assets (ROA) | 0.8821% | 2,924 |
| Pretax return on assets | 0.8821% | 3,788 |
| Return on Equity (ROE) | 5.6512% | 4,095 |
| Retained earnings to average equity (ytd only) | 3.5196% | 2,950 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5991% | 6,243 |
| Assets per employee ($millions) | 6.4960% | 889 |
| Cash dividends to net income (ytd only)* | 37.7193% | 3,752 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8954% | 6,703 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 23.8531% | 8,107 |
| Net loans and leases to deposits | 31.9221% | 8,093 |
| Net loans and leases to core deposits | 42.3959% | 8,018 |
| Total domestic deposits to total assets | 74.7229% | 6,513 |
| Equity capital to assets | 15.6327% | 1,017 |
| Core capital (leverage) ratio | 15.4469% | 932 |
| Tier 1 risk-based capital ratio | 40.9744% | 316 |
| Total risk-based capital ratio | 41.5436% | 325 |
| Memoranda: | ||
| Average total assets | $38,772,600 | 7,269 |
| Average earning assets | $35,816,200 | 7,248 |
| Average equity | $6,051,800 | 6,786 |
| Average total loans | $9,832,400 | 7,951 |