Home > First Neodesha Bank > Performance and Condition Ratios
First Neodesha Bank, Performance and Condition Ratios
| 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 | 4.7292% | 2,248 |
| Cost of funding earning assets | 0.7720% | 2,823 |
| Net interest margin | 3.9572% | 1,978 |
| Noninterest income to average assets | 0.6006% | 2,216 |
| Noninterest expense to average assets | 2.4457% | 3,585 |
| Loan and lease loss provision to assets | 0.1245% | 1,707 |
| Net operating income to assets | 1.7282% | 619 |
| Return on assets (ROA) | 1.7282% | 659 |
| Pretax return on assets | 1.7998% | 939 |
| Return on Equity (ROE) | 17.7965% | 356 |
| Retained earnings to average equity (ytd only) | 7.8060% | 1,040 |
| 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 | 55.9655% | 4,207 |
| Assets per employee ($millions) | 3.3745% | 4,591 |
| Cash dividends to net income (ytd only)* | 56.1375% | 1,747 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0895% | 3,009 |
| Loan loss allowance to noncurrent loans | 149.3711% | 2,606 |
| Noncurrent assets plus other real estate owned to assets | 0.5711% | 2,176 |
| Noncurrent loans to loans | 0.7294% | 2,059 |
| Net loans and leases to total assets | 77.4484% | 1,173 |
| Net loans and leases to deposits | 88.3124% | 1,800 |
| Net loans and leases to core deposits | 100.7264% | 1,503 |
| Total domestic deposits to total assets | 87.6982% | 1,275 |
| Equity capital to assets | 9.5620% | 4,301 |
| Core capital (leverage) ratio | 9.5897% | 3,974 |
| Tier 1 risk-based capital ratio | 13.1307% | 3,724 |
| Total risk-based capital ratio | 14.3206% | 3,635 |
| Memoranda: | ||
| Average total assets | $106,064,400 | 3,892 |
| Average earning assets | $101,032,000 | 3,850 |
| Average equity | $10,299,800 | 4,199 |
| Average total loans | $82,825,200 | 3,545 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7213% | 2,360 |
| Cost of funding earning assets | 0.7541% | 2,951 |
| Net interest margin | 3.9672% | 2,052 |
| Noninterest income to average assets | 0.5206% | 2,600 |
| Noninterest expense to average assets | 2.4568% | 3,549 |
| Loan and lease loss provision to assets | 0.0407% | 3,090 |
| Net operating income to assets | 1.7261% | 706 |
| Return on assets (ROA) | 1.7261% | 745 |
| Pretax return on assets | 1.7999% | 1,092 |
| Return on Equity (ROE) | 17.7029% | 419 |
| Retained earnings to average equity (ytd only) | 9.4912% | 897 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.1682% | 4,049 |
| Assets per employee ($millions) | 3.2139% | 4,742 |
| Cash dividends to net income (ytd only)* | 46.3868% | 1,861 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0043% | 3,544 |
| Loan loss allowance to noncurrent loans | 133.4906% | 2,821 |
| Noncurrent assets plus other real estate owned to assets | 0.5997% | 2,205 |
| Noncurrent loans to loans | 0.7523% | 2,083 |
| Net loans and leases to total assets | 78.9099% | 1,004 |
| Net loans and leases to deposits | 91.8440% | 1,454 |
| Net loans and leases to core deposits | 105.0972% | 1,253 |
| Total domestic deposits to total assets | 85.9173% | 2,028 |
| Equity capital to assets | 9.9671% | 4,051 |
| Core capital (leverage) ratio | 9.7966% | 3,860 |
| Tier 1 risk-based capital ratio | 13.7623% | 3,443 |
| Total risk-based capital ratio | 14.8857% | 3,413 |
| Memoranda: | ||
| Average total assets | $104,741,000 | 3,967 |
| Average earning assets | $99,714,750 | 3,907 |
| Average equity | $10,212,750 | 4,257 |
| Average total loans | $81,732,750 | 3,606 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6895% | 2,397 |
| Cost of funding earning assets | 0.7205% | 3,043 |
| Net interest margin | 3.9690% | 2,020 |
| Noninterest income to average assets | 0.5216% | 2,560 |
| Noninterest expense to average assets | 2.4448% | 3,624 |
| Loan and lease loss provision to assets | 0.0403% | 3,007 |
| Net operating income to assets | 1.7430% | 668 |
| Return on assets (ROA) | 1.7430% | 700 |
| Pretax return on assets | 1.8178% | 998 |
| Return on Equity (ROE) | 18.0119% | 378 |
| Retained earnings to average equity (ytd only) | 8.7186% | 1,124 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.8182% | 4,149 |
| Assets per employee ($millions) | 3.1808% | 4,779 |
| Cash dividends to net income (ytd only)* | 51.5952% | 1,710 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0147% | 3,530 |
| Loan loss allowance to noncurrent loans | 131.1424% | 2,863 |
| Noncurrent assets plus other real estate owned to assets | 0.6088% | 2,203 |
| Noncurrent loans to loans | 0.7738% | 2,052 |
| Net loans and leases to total assets | 77.8769% | 1,243 |
| Net loans and leases to deposits | 88.3969% | 1,955 |
| Net loans and leases to core deposits | 100.6080% | 1,669 |
| Total domestic deposits to total assets | 88.0991% | 1,058 |
| Equity capital to assets | 9.7974% | 4,141 |
| Core capital (leverage) ratio | 9.5537% | 4,100 |
| Tier 1 risk-based capital ratio | 13.8082% | 3,420 |
| Total risk-based capital ratio | 14.9529% | 3,373 |
| Memoranda: | ||
| Average total assets | $104,301,670 | 3,997 |
| Average earning assets | $99,370,670 | 3,936 |
| Average equity | $10,093,330 | 4,288 |
| Average total loans | $80,797,000 | 3,647 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5920% | 2,556 |
| Cost of funding earning assets | 0.6860% | 3,121 |
| Net interest margin | 3.9060% | 2,167 |
| Noninterest income to average assets | 0.5117% | 2,486 |
| Noninterest expense to average assets | 2.3430% | 3,914 |
| Loan and lease loss provision to assets | 0.0423% | 2,789 |
| Net operating income to assets | 1.7736% | 616 |
| Return on assets (ROA) | 1.7736% | 634 |
| Pretax return on assets | 1.8506% | 873 |
| Return on Equity (ROE) | 18.4437% | 365 |
| Retained earnings to average equity (ytd only) | 12.3225% | 560 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.3134% | 4,408 |
| Assets per employee ($millions) | 3.1724% | 4,853 |
| Cash dividends to net income (ytd only)* | 33.1887% | 2,128 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0250% | 3,555 |
| Loan loss allowance to noncurrent loans | 129.5775% | 2,930 |
| Noncurrent assets plus other real estate owned to assets | 0.6104% | 2,242 |
| Noncurrent loans to loans | 0.7911% | 2,059 |
| Net loans and leases to total assets | 76.3681% | 1,417 |
| Net loans and leases to deposits | 86.9313% | 2,007 |
| Net loans and leases to core deposits | 98.1174% | 1,764 |
| Total domestic deposits to total assets | 87.8488% | 1,418 |
| Equity capital to assets | 9.6973% | 4,095 |
| Core capital (leverage) ratio | 9.5181% | 4,113 |
| Tier 1 risk-based capital ratio | 13.8369% | 3,431 |
| Total risk-based capital ratio | 14.9858% | 3,387 |
| Memoranda: | ||
| Average total assets | $103,969,000 | 4,039 |
| Average earning assets | $99,129,000 | 3,985 |
| Average equity | $9,998,000 | 4,331 |
| Average total loans | $79,904,000 | 3,696 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5575% | 2,265 |
| Cost of funding earning assets | 0.5445% | 3,085 |
| Net interest margin | 4.0131% | 1,942 |
| Noninterest income to average assets | 0.5379% | 2,621 |
| Noninterest expense to average assets | 2.6152% | 3,289 |
| Loan and lease loss provision to assets | 0.0429% | 3,328 |
| Net operating income to assets | 1.5852% | 909 |
| Return on assets (ROA) | 1.5852% | 898 |
| Pretax return on assets | 1.6791% | 1,221 |
| Return on Equity (ROE) | 16.1351% | 602 |
| Retained earnings to average equity (ytd only) | 5.1117% | 2,710 |
| Net charge-offs to loans | 0.0116% | 3,288 |
| Credit loss provision to net charge-offs | 466.6667% | 735 |
| Earnings coverage of net charge-offs (x) | 187.4444% | 474 |
| Efficiency ratio | 60.2965% | 3,806 |
| Assets per employee ($millions) | 3.1288% | 4,906 |
| Cash dividends to net income (ytd only)* | 68.3194% | 1,154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0338% | 3,479 |
| Loan loss allowance to noncurrent loans | 16,340.0000% | 55 |
| Noncurrent assets plus other real estate owned to assets | 0.0048% | 4,898 |
| Noncurrent loans to loans | 0.0063% | 4,793 |
| Net loans and leases to total assets | 75.7528% | 1,658 |
| Net loans and leases to deposits | 87.2291% | 2,141 |
| Net loans and leases to core deposits | 99.1683% | 1,782 |
| Total domestic deposits to total assets | 86.8435% | 1,851 |
| Equity capital to assets | 9.5342% | 4,099 |
| Core capital (leverage) ratio | 9.7816% | 3,821 |
| Tier 1 risk-based capital ratio | 13.6239% | 3,478 |
| Total risk-based capital ratio | 14.7764% | 3,439 |
| Memoranda: | ||
| Average total assets | $97,966,800 | 4,130 |
| Average earning assets | $92,747,400 | 4,084 |
| Average equity | $9,625,000 | 4,367 |
| Average total loans | $77,871,800 | 3,707 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5741% | 2,060 |
| Cost of funding earning assets | 0.5269% | 3,018 |
| Net interest margin | 4.0472% | 1,801 |
| Noninterest income to average assets | 0.5353% | 2,645 |
| Noninterest expense to average assets | 2.6515% | 3,120 |
| Loan and lease loss provision to assets | 0.0442% | 3,109 |
| Net operating income to assets | 1.5741% | 1,013 |
| Return on assets (ROA) | 1.5741% | 1,016 |
| Pretax return on assets | 1.6651% | 1,365 |
| Return on Equity (ROE) | 15.8961% | 710 |
| Retained earnings to average equity (ytd only) | 6.0045% | 2,654 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8035% | 3,686 |
| Assets per employee ($millions) | 2.9043% | 5,104 |
| Cash dividends to net income (ytd only)* | 62.2257% | 1,118 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0521% | 3,451 |
| 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 | 80.1697% | 994 |
| Net loans and leases to deposits | 94.3688% | 1,340 |
| Net loans and leases to core deposits | 106.2326% | 1,291 |
| Total domestic deposits to total assets | 84.9535% | 2,625 |
| Equity capital to assets | 10.2073% | 3,443 |
| Core capital (leverage) ratio | 9.9258% | 3,712 |
| Tier 1 risk-based capital ratio | 14.0620% | 3,342 |
| Total risk-based capital ratio | 15.2598% | 3,277 |
| Memoranda: | ||
| Average total assets | $96,646,250 | 4,199 |
| Average earning assets | $91,352,000 | 4,160 |
| Average equity | $9,570,250 | 4,410 |
| Average total loans | $77,582,000 | 3,747 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5156% | 2,042 |
| Cost of funding earning assets | 0.5178% | 2,870 |
| Net interest margin | 3.9979% | 1,872 |
| Noninterest income to average assets | 0.5304% | 2,683 |
| Noninterest expense to average assets | 2.6168% | 3,283 |
| Loan and lease loss provision to assets | 0.0433% | 3,028 |
| Net operating income to assets | 1.5643% | 1,000 |
| Return on assets (ROA) | 1.5643% | 1,009 |
| Pretax return on assets | 1.6468% | 1,348 |
| Return on Equity (ROE) | 15.9590% | 682 |
| Retained earnings to average equity (ytd only) | 4.2740% | 3,470 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7571% | 3,804 |
| Assets per employee ($millions) | 2.9198% | 5,148 |
| Cash dividends to net income (ytd only)* | 73.2190% | 893 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0405% | 3,592 |
| 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 | 79.4597% | 1,101 |
| Net loans and leases to deposits | 91.5648% | 1,636 |
| Net loans and leases to core deposits | 101.3570% | 1,618 |
| Total domestic deposits to total assets | 86.7797% | 1,938 |
| Equity capital to assets | 9.9157% | 3,706 |
| Core capital (leverage) ratio | 9.6762% | 3,913 |
| Tier 1 risk-based capital ratio | 13.7595% | 3,477 |
| Total risk-based capital ratio | 14.9432% | 3,421 |
| Memoranda: | ||
| Average total assets | $96,914,000 | 4,228 |
| Average earning assets | $91,548,670 | 4,194 |
| Average equity | $9,499,330 | 4,459 |
| Average total loans | $77,558,000 | 3,762 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4375% | 2,066 |
| Cost of funding earning assets | 0.5095% | 2,726 |
| Net interest margin | 3.9280% | 1,936 |
| Noninterest income to average assets | 0.5103% | 2,745 |
| Noninterest expense to average assets | 2.5598% | 3,460 |
| Loan and lease loss provision to assets | 0.0453% | 2,861 |
| Net operating income to assets | 1.5474% | 959 |
| Return on assets (ROA) | 1.5474% | 966 |
| Pretax return on assets | 1.6174% | 1,343 |
| Return on Equity (ROE) | 15.8784% | 643 |
| Retained earnings to average equity (ytd only) | 10.2196% | 1,097 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.6238% | 3,989 |
| Assets per employee ($millions) | 2.9454% | 5,187 |
| Cash dividends to net income (ytd only)* | 35.6383% | 1,982 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0350% | 3,757 |
| 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 | 78.2102% | 1,209 |
| Net loans and leases to deposits | 90.2837% | 1,657 |
| Net loans and leases to core deposits | 99.8555% | 1,698 |
| Total domestic deposits to total assets | 86.6272% | 2,267 |
| Equity capital to assets | 9.8696% | 3,732 |
| Core capital (leverage) ratio | 9.5819% | 3,984 |
| Tier 1 risk-based capital ratio | 13.8256% | 3,485 |
| Total risk-based capital ratio | 14.9959% | 3,426 |
| Memoranda: | ||
| Average total assets | $97,195,000 | 4,266 |
| Average earning assets | $91,853,500 | 4,234 |
| Average equity | $9,472,000 | 4,507 |
| Average total loans | $77,654,000 | 3,789 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4970% | 1,713 |
| Cost of funding earning assets | 0.4905% | 2,422 |
| Net interest margin | 4.0065% | 1,730 |
| Noninterest income to average assets | 0.5844% | 2,527 |
| Noninterest expense to average assets | 2.6474% | 3,288 |
| Loan and lease loss provision to assets | 0.0438% | 3,366 |
| Net operating income to assets | 1.6164% | 632 |
| Return on assets (ROA) | 1.6164% | 649 |
| Pretax return on assets | 1.6779% | 1,066 |
| Return on Equity (ROE) | 16.9575% | 397 |
| Retained earnings to average equity (ytd only) | 5.2985% | 1,932 |
| Net charge-offs to loans | -0.0052% | 4,650 |
| Credit loss provision to net charge-offs | -1,050.0000% | 5,070 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5923% | 4,173 |
| Assets per employee ($millions) | 2.9452% | 5,235 |
| Cash dividends to net income (ytd only)* | 68.7540% | 1,342 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9988% | 3,962 |
| 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 | 79.9553% | 961 |
| Net loans and leases to deposits | 92.1292% | 1,504 |
| Net loans and leases to core deposits | 101.5206% | 1,588 |
| Total domestic deposits to total assets | 86.7861% | 2,094 |
| Equity capital to assets | 9.6211% | 4,122 |
| Core capital (leverage) ratio | 9.4558% | 4,100 |
| Tier 1 risk-based capital ratio | 12.9582% | 3,930 |
| Total risk-based capital ratio | 14.0691% | 3,921 |
| Memoranda: | ||
| Average total assets | $95,831,600 | 4,316 |
| Average earning assets | $90,527,400 | 4,277 |
| Average equity | $9,134,600 | 4,590 |
| Average total loans | $77,001,800 | 3,805 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4833% | 1,693 |
| Cost of funding earning assets | 0.4835% | 2,402 |
| Net interest margin | 3.9998% | 1,702 |
| Noninterest income to average assets | 0.5962% | 2,502 |
| Noninterest expense to average assets | 2.6529% | 3,237 |
| Loan and lease loss provision to assets | 0.0447% | 3,204 |
| Net operating income to assets | 1.6155% | 687 |
| Return on assets (ROA) | 1.6155% | 708 |
| Pretax return on assets | 1.6755% | 1,183 |
| Return on Equity (ROE) | 16.9884% | 423 |
| Retained earnings to average equity (ytd only) | 7.2094% | 1,584 |
| Net charge-offs to loans | -0.0052% | 4,467 |
| Credit loss provision to net charge-offs | -1,066.6667% | 4,961 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.6641% | 4,098 |
| Assets per employee ($millions) | 2.7076% | 5,434 |
| Cash dividends to net income (ytd only)* | 57.5627% | 1,445 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0009% | 4,050 |
| 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 | 80.6829% | 887 |
| Net loans and leases to deposits | 95.8578% | 1,124 |
| Net loans and leases to core deposits | 106.2417% | 1,256 |
| Total domestic deposits to total assets | 84.1694% | 3,058 |
| Equity capital to assets | 9.8748% | 4,055 |
| Core capital (leverage) ratio | 9.4706% | 4,202 |
| Tier 1 risk-based capital ratio | 13.2052% | 3,874 |
| Total risk-based capital ratio | 14.3178% | 3,873 |
| Memoranda: | ||
| Average total assets | $95,491,250 | 4,363 |
| Average earning assets | $90,169,250 | 4,331 |
| Average equity | $9,080,500 | 4,646 |
| Average total loans | $76,628,500 | 3,849 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4384% | 1,704 |
| Cost of funding earning assets | 0.4777% | 2,346 |
| Net interest margin | 3.9607% | 1,736 |
| Noninterest income to average assets | 0.5954% | 2,481 |
| Noninterest expense to average assets | 2.6553% | 3,248 |
| Loan and lease loss provision to assets | 0.0439% | 3,118 |
| Net operating income to assets | 1.5836% | 735 |
| Return on assets (ROA) | 1.5836% | 754 |
| Pretax return on assets | 1.6379% | 1,233 |
| Return on Equity (ROE) | 16.8669% | 423 |
| Retained earnings to average equity (ytd only) | 4.9622% | 2,733 |
| Net charge-offs to loans | -0.0079% | 4,457 |
| Credit loss provision to net charge-offs | -700.0000% | 4,748 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.2235% | 4,131 |
| Assets per employee ($millions) | 2.7505% | 5,447 |
| Cash dividends to net income (ytd only)* | 70.5805% | 1,108 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9934% | 4,186 |
| 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 | 78.8860% | 1,111 |
| Net loans and leases to deposits | 91.3192% | 1,569 |
| Net loans and leases to core deposits | 100.0989% | 1,641 |
| Total domestic deposits to total assets | 86.3849% | 2,202 |
| Equity capital to assets | 9.4424% | 4,464 |
| Core capital (leverage) ratio | 9.3471% | 4,303 |
| Tier 1 risk-based capital ratio | 12.8797% | 4,075 |
| Total risk-based capital ratio | 13.9824% | 4,072 |
| Memoranda: | ||
| Average total assets | $95,733,000 | 4,382 |
| Average earning assets | $90,438,330 | 4,347 |
| Average equity | $8,988,000 | 4,682 |
| Average total loans | $76,427,000 | 3,869 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4408% | 1,524 |
| Cost of funding earning assets | 0.4791% | 2,255 |
| Net interest margin | 3.9616% | 1,574 |
| Noninterest income to average assets | 0.6578% | 2,144 |
| Noninterest expense to average assets | 2.6313% | 3,374 |
| Loan and lease loss provision to assets | 0.0461% | 2,883 |
| Net operating income to assets | 1.6802% | 577 |
| Return on assets (ROA) | 1.6802% | 589 |
| Pretax return on assets | 1.7221% | 960 |
| Return on Equity (ROE) | 17.9479% | 346 |
| Retained earnings to average equity (ytd only) | 6.2661% | 2,202 |
| Net charge-offs to loans | -0.0105% | 4,449 |
| Credit loss provision to net charge-offs | -550.0000% | 4,271 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8095% | 4,479 |
| Assets per employee ($millions) | 2.9814% | 5,368 |
| Cash dividends to net income (ytd only)* | 65.0873% | 1,288 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0059% | 4,242 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 77.4687% | 1,203 |
| Net loans and leases to deposits | 90.1956% | 1,508 |
| Net loans and leases to core deposits | 98.3434% | 1,636 |
| Total domestic deposits to total assets | 85.8896% | 2,724 |
| Equity capital to assets | 9.4408% | 4,351 |
| Core capital (leverage) ratio | 9.0735% | 4,656 |
| Tier 1 risk-based capital ratio | 11.8211% | 4,836 |
| Total risk-based capital ratio | 12.8292% | 4,880 |
| Memoranda: | ||
| Average total assets | $95,465,500 | 4,429 |
| Average earning assets | $90,164,500 | 4,394 |
| Average equity | $8,937,000 | 4,729 |
| Average total loans | $76,288,500 | 3,897 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5131% | 1,499 |
| Cost of funding earning assets | 0.4758% | 2,302 |
| Net interest margin | 4.0372% | 1,535 |
| Noninterest income to average assets | 0.8192% | 1,684 |
| Noninterest expense to average assets | 2.7252% | 3,262 |
| Loan and lease loss provision to assets | 0.0875% | 2,617 |
| Net operating income to assets | 1.7237% | 515 |
| Return on assets (ROA) | 1.7237% | 544 |
| Pretax return on assets | 1.7983% | 803 |
| Return on Equity (ROE) | 18.5734% | 286 |
| Retained earnings to average equity (ytd only) | 4.1491% | 2,952 |
| Net charge-offs to loans | -0.0013% | 4,669 |
| Credit loss provision to net charge-offs | -8,200.0000% | 5,485 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.1025% | 4,714 |
| Assets per employee ($millions) | 2.8947% | 5,428 |
| Cash dividends to net income (ytd only)* | 77.6609% | 995 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9472% | 4,593 |
| 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 | 80.7937% | 769 |
| Net loans and leases to deposits | 97.1673% | 898 |
| Net loans and leases to core deposits | 105.8000% | 1,143 |
| Total domestic deposits to total assets | 83.1491% | 3,719 |
| Equity capital to assets | 9.2823% | 4,492 |
| Core capital (leverage) ratio | 9.2218% | 4,449 |
| Tier 1 risk-based capital ratio | 11.6240% | 4,973 |
| Total risk-based capital ratio | 12.6119% | 5,039 |
| Memoranda: | ||
| Average total assets | $93,753,600 | 4,475 |
| Average earning assets | $88,055,000 | 4,437 |
| Average equity | $8,700,600 | 4,801 |
| Average total loans | $74,865,400 | 3,925 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5065% | 1,514 |
| Cost of funding earning assets | 0.4720% | 2,346 |
| Net interest margin | 4.0346% | 1,566 |
| Noninterest income to average assets | 0.8902% | 1,441 |
| Noninterest expense to average assets | 2.7506% | 3,175 |
| Loan and lease loss provision to assets | 0.1029% | 2,201 |
| Net operating income to assets | 1.7447% | 545 |
| Return on assets (ROA) | 1.7447% | 581 |
| Pretax return on assets | 1.8233% | 858 |
| Return on Equity (ROE) | 18.8008% | 310 |
| Retained earnings to average equity (ytd only) | -0.5235% | 5,439 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.8145% | 4,709 |
| Assets per employee ($millions) | 2.8324% | 5,524 |
| Cash dividends to net income (ytd only)* | 102.7845% | 350 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9617% | 4,608 |
| Loan loss allowance to noncurrent loans | 4,846.6667% | 158 |
| Noncurrent assets plus other real estate owned to assets | 0.0160% | 5,451 |
| Noncurrent loans to loans | 0.0198% | 5,314 |
| Net loans and leases to total assets | 80.1034% | 879 |
| Net loans and leases to deposits | 94.0283% | 1,251 |
| Net loans and leases to core deposits | 102.3499% | 1,455 |
| Total domestic deposits to total assets | 85.1907% | 2,721 |
| Equity capital to assets | 9.0641% | 5,113 |
| Core capital (leverage) ratio | 8.8080% | 5,044 |
| Tier 1 risk-based capital ratio | 11.0582% | 5,348 |
| Total risk-based capital ratio | 12.0284% | 5,394 |
| Memoranda: | ||
| Average total assets | $93,310,500 | 4,521 |
| Average earning assets | $87,574,500 | 4,479 |
| Average equity | $8,659,000 | 4,863 |
| Average total loans | $74,102,500 | 3,966 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4555% | 1,654 |
| Cost of funding earning assets | 0.4620% | 2,455 |
| Net interest margin | 3.9935% | 1,661 |
| Noninterest income to average assets | 1.0037% | 1,105 |
| Noninterest expense to average assets | 2.7365% | 3,245 |
| Loan and lease loss provision to assets | 0.1330% | 1,723 |
| Net operating income to assets | 1.7929% | 479 |
| Return on assets (ROA) | 1.7929% | 508 |
| Pretax return on assets | 1.8787% | 730 |
| Return on Equity (ROE) | 19.1714% | 285 |
| Retained earnings to average equity (ytd only) | 10.4113% | 525 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.6332% | 4,954 |
| Assets per employee ($millions) | 2.9241% | 5,508 |
| Cash dividends to net income (ytd only)* | 45.6938% | 2,159 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9690% | 4,677 |
| Loan loss allowance to noncurrent loans | 4,780.0000% | 160 |
| Noncurrent assets plus other real estate owned to assets | 0.0160% | 5,543 |
| Noncurrent loans to loans | 0.0203% | 5,391 |
| Net loans and leases to total assets | 78.3127% | 1,160 |
| Net loans and leases to deposits | 92.1411% | 1,493 |
| Net loans and leases to core deposits | 97.7574% | 1,825 |
| Total domestic deposits to total assets | 84.9921% | 2,884 |
| Equity capital to assets | 9.5756% | 4,694 |
| Core capital (leverage) ratio | 9.3301% | 4,421 |
| Tier 1 risk-based capital ratio | 12.0160% | 4,817 |
| Total risk-based capital ratio | 12.9987% | 4,889 |
| Memoranda: | ||
| Average total assets | $93,258,000 | 4,552 |
| Average earning assets | $87,443,000 | 4,516 |
| Average equity | $8,721,330 | 4,887 |
| Average total loans | $73,604,000 | 4,006 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4198% | 1,746 |
| Cost of funding earning assets | 0.4621% | 2,447 |
| Net interest margin | 3.9577% | 1,755 |
| Noninterest income to average assets | 0.5628% | 2,727 |
| Noninterest expense to average assets | 2.6724% | 3,518 |
| Loan and lease loss provision to assets | 0.0301% | 3,259 |
| Net operating income to assets | 1.5123% | 834 |
| Return on assets (ROA) | 1.5123% | 875 |
| Pretax return on assets | 1.5768% | 1,357 |
| Return on Equity (ROE) | 16.3683% | 497 |
| Retained earnings to average equity (ytd only) | 8.9282% | 1,137 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4498% | 4,379 |
| Assets per employee ($millions) | 2.9942% | 5,514 |
| Cash dividends to net income (ytd only)* | 45.4545% | 1,907 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9009% | 5,053 |
| Loan loss allowance to noncurrent loans | 4,413.3333% | 176 |
| Noncurrent assets plus other real estate owned to assets | 0.0162% | 5,595 |
| Noncurrent loans to loans | 0.0204% | 5,423 |
| Net loans and leases to total assets | 78.4495% | 1,035 |
| Net loans and leases to deposits | 91.5245% | 1,402 |
| Net loans and leases to core deposits | 97.4179% | 1,677 |
| Total domestic deposits to total assets | 85.7141% | 2,802 |
| Equity capital to assets | 9.3709% | 4,811 |
| Core capital (leverage) ratio | 9.0739% | 4,764 |
| Tier 1 risk-based capital ratio | 11.7618% | 5,070 |
| Total risk-based capital ratio | 12.6778% | 5,173 |
| Memoranda: | ||
| Average total assets | $93,101,500 | 4,595 |
| Average earning assets | $87,425,500 | 4,556 |
| Average equity | $8,602,000 | 4,934 |
| Average total loans | $73,408,500 | 4,037 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4803% | 1,659 |
| Cost of funding earning assets | 0.4551% | 2,576 |
| Net interest margin | 4.0252% | 1,631 |
| Noninterest income to average assets | 0.5957% | 2,734 |
| Noninterest expense to average assets | 2.7749% | 3,333 |
| Loan and lease loss provision to assets | 0.0225% | 3,935 |
| Net operating income to assets | 1.5285% | 814 |
| Return on assets (ROA) | 1.5285% | 846 |
| Pretax return on assets | 1.5757% | 1,324 |
| Return on Equity (ROE) | 17.0183% | 450 |
| Retained earnings to average equity (ytd only) | 10.5739% | 388 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4541% | 4,376 |
| Assets per employee ($millions) | 2.7466% | 5,742 |
| Cash dividends to net income (ytd only)* | 37.8676% | 2,962 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8931% | 5,105 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0257% | 5,591 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 77.8335% | 1,142 |
| Net loans and leases to deposits | 91.5174% | 1,450 |
| Net loans and leases to core deposits | 97.4147% | 1,721 |
| Total domestic deposits to total assets | 85.0478% | 3,067 |
| Equity capital to assets | 9.1086% | 5,010 |
| Core capital (leverage) ratio | 8.8754% | 5,028 |
| Tier 1 risk-based capital ratio | 11.5286% | 5,236 |
| Total risk-based capital ratio | 12.4433% | 5,323 |
| Memoranda: | ||
| Average total assets | $88,975,200 | 4,695 |
| Average earning assets | $83,498,800 | 4,649 |
| Average equity | $7,991,400 | 5,065 |
| Average total loans | $69,764,600 | 4,096 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4644% | 1,714 |
| Cost of funding earning assets | 0.4411% | 2,786 |
| Net interest margin | 4.0233% | 1,629 |
| Noninterest income to average assets | 0.5872% | 2,812 |
| Noninterest expense to average assets | 2.7858% | 3,243 |
| Loan and lease loss provision to assets | 0.0197% | 3,881 |
| Net operating income to assets | 1.5082% | 911 |
| Return on assets (ROA) | 1.5082% | 945 |
| Pretax return on assets | 1.5598% | 1,505 |
| Return on Equity (ROE) | 16.8554% | 483 |
| Retained earnings to average equity (ytd only) | 8.1225% | 1,203 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8165% | 4,283 |
| Assets per employee ($millions) | 2.6942% | 5,839 |
| Cash dividends to net income (ytd only)* | 51.8109% | 1,798 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9047% | 5,189 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0262% | 5,691 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 77.4874% | 1,182 |
| Net loans and leases to deposits | 90.6560% | 1,569 |
| Net loans and leases to core deposits | 96.5189% | 1,840 |
| Total domestic deposits to total assets | 85.4741% | 2,795 |
| Equity capital to assets | 8.8863% | 5,410 |
| Core capital (leverage) ratio | 8.5787% | 5,486 |
| Tier 1 risk-based capital ratio | 12.6818% | 4,626 |
| Total risk-based capital ratio | 13.7234% | 4,675 |
| Memoranda: | ||
| Average total assets | $87,873,000 | 4,771 |
| Average earning assets | $82,518,000 | 4,723 |
| Average equity | $7,862,750 | 5,151 |
| Average total loans | $68,871,000 | 4,160 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6081% | 1,263 |
| Cost of funding earning assets | 0.4564% | 2,646 |
| Net interest margin | 4.1517% | 1,220 |
| Noninterest income to average assets | 0.5987% | 2,749 |
| Noninterest expense to average assets | 2.9262% | 2,795 |
| Loan and lease loss provision to assets | 0.0231% | 3,670 |
| Net operating income to assets | 1.5024% | 894 |
| Return on assets (ROA) | 1.5024% | 940 |
| Pretax return on assets | 1.5602% | 1,456 |
| Return on Equity (ROE) | 16.9543% | 496 |
| Retained earnings to average equity (ytd only) | -4.0690% | 5,978 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8898% | 4,207 |
| Assets per employee ($millions) | 2.8215% | 5,798 |
| Cash dividends to net income (ytd only)* | 124.0000% | 285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9212% | 5,214 |
| 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 | 76.8339% | 1,251 |
| Net loans and leases to deposits | 87.8381% | 1,857 |
| Net loans and leases to core deposits | 92.9620% | 2,070 |
| Total domestic deposits to total assets | 87.4722% | 1,923 |
| Equity capital to assets | 8.4154% | 5,747 |
| Core capital (leverage) ratio | 8.5440% | 5,494 |
| Tier 1 risk-based capital ratio | 12.0577% | 5,104 |
| Total risk-based capital ratio | 13.0820% | 5,154 |
| Memoranda: | ||
| Average total assets | $86,527,330 | 4,843 |
| Average earning assets | $81,508,330 | 4,794 |
| Average equity | $7,667,670 | 5,229 |
| Average total loans | $67,952,000 | 4,215 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4252% | 1,673 |
| Cost of funding earning assets | 0.4611% | 2,668 |
| Net interest margin | 3.9642% | 1,676 |
| Noninterest income to average assets | 0.5293% | 3,097 |
| Noninterest expense to average assets | 2.6557% | 3,730 |
| Loan and lease loss provision to assets | 0.0378% | 3,147 |
| Net operating income to assets | 1.4980% | 849 |
| Return on assets (ROA) | 1.4980% | 903 |
| Pretax return on assets | 1.5736% | 1,337 |
| Return on Equity (ROE) | 16.4622% | 522 |
| Retained earnings to average equity (ytd only) | 10.1266% | 892 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2370% | 4,761 |
| Assets per employee ($millions) | 2.8188% | 5,864 |
| Cash dividends to net income (ytd only)* | 38.4858% | 2,082 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9249% | 5,354 |
| 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 | 76.8900% | 1,076 |
| Net loans and leases to deposits | 88.4340% | 1,569 |
| Net loans and leases to core deposits | 93.9937% | 1,774 |
| Total domestic deposits to total assets | 86.9461% | 2,401 |
| Equity capital to assets | 9.2237% | 5,055 |
| Core capital (leverage) ratio | 9.0649% | 4,880 |
| Tier 1 risk-based capital ratio | 13.3550% | 4,392 |
| Total risk-based capital ratio | 14.3951% | 4,443 |
| Memoranda: | ||
| Average total assets | $84,647,500 | 4,926 |
| Average earning assets | $79,815,000 | 4,869 |
| Average equity | $7,702,500 | 5,259 |
| Average total loans | $66,920,000 | 4,272 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5143% | 1,809 |
| Cost of funding earning assets | 0.5041% | 2,631 |
| Net interest margin | 4.0101% | 1,871 |
| Noninterest income to average assets | 0.5640% | 3,100 |
| Noninterest expense to average assets | 2.6411% | 4,081 |
| Loan and lease loss provision to assets | 0.0362% | 3,861 |
| Net operating income to assets | 1.6038% | 703 |
| Return on assets (ROA) | 1.6038% | 735 |
| Pretax return on assets | 1.6907% | 1,006 |
| Return on Equity (ROE) | 17.7360% | 425 |
| Retained earnings to average equity (ytd only) | -0.6143% | 5,865 |
| Net charge-offs to loans | 0.0015% | 4,948 |
| Credit loss provision to net charge-offs | 3,000.0000% | 102 |
| Earnings coverage of net charge-offs (x) | 1,430.0000% | 24 |
| Efficiency ratio | 60.4645% | 5,154 |
| Assets per employee ($millions) | 2.8243% | 5,906 |
| Cash dividends to net income (ytd only)* | 103.4639% | 311 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8782% | 5,537 |
| Loan loss allowance to noncurrent loans | 6,655.5556% | 130 |
| Noncurrent assets plus other real estate owned to assets | 0.0106% | 6,024 |
| Noncurrent loans to loans | 0.0132% | 5,857 |
| Net loans and leases to total assets | 79.7970% | 763 |
| Net loans and leases to deposits | 94.2236% | 1,059 |
| Net loans and leases to core deposits | 99.9217% | 1,397 |
| Total domestic deposits to total assets | 84.6890% | 3,423 |
| Equity capital to assets | 8.9756% | 5,318 |
| Core capital (leverage) ratio | 9.0205% | 4,966 |
| Tier 1 risk-based capital ratio | 13.0555% | 4,691 |
| Total risk-based capital ratio | 14.0849% | 4,746 |
| Memoranda: | ||
| Average total assets | $82,805,400 | 4,995 |
| Average earning assets | $78,551,000 | 4,911 |
| Average equity | $7,487,600 | 5,310 |
| Average total loans | $64,714,600 | 4,342 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4921% | 1,900 |
| Cost of funding earning assets | 0.5162% | 2,597 |
| Net interest margin | 3.9759% | 1,946 |
| Noninterest income to average assets | 0.5733% | 3,048 |
| Noninterest expense to average assets | 2.6399% | 4,050 |
| Loan and lease loss provision to assets | 0.0275% | 3,857 |
| Net operating income to assets | 1.5920% | 768 |
| Return on assets (ROA) | 1.5920% | 796 |
| Pretax return on assets | 1.6860% | 1,096 |
| Return on Equity (ROE) | 17.5729% | 482 |
| Retained earnings to average equity (ytd only) | -6.0961% | 6,292 |
| Net charge-offs to loans | 0.0021% | 4,644 |
| Credit loss provision to net charge-offs | 1,700.0000% | 209 |
| Earnings coverage of net charge-offs (x) | 1,060.6241% | 61 |
| Efficiency ratio | 60.6399% | 5,102 |
| Assets per employee ($millions) | 2.5542% | 6,187 |
| Cash dividends to net income (ytd only)* | 134.6902% | 171 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8956% | 5,613 |
| Loan loss allowance to noncurrent loans | 9,766.6667% | 73 |
| Noncurrent assets plus other real estate owned to assets | 0.0073% | 6,172 |
| Noncurrent loans to loans | 0.0092% | 6,003 |
| Net loans and leases to total assets | 79.3344% | 793 |
| Net loans and leases to deposits | 90.4342% | 1,380 |
| Net loans and leases to core deposits | 96.3507% | 1,646 |
| Total domestic deposits to total assets | 87.7262% | 1,910 |
| Equity capital to assets | 8.9435% | 5,416 |
| Core capital (leverage) ratio | 8.7975% | 5,344 |
| Tier 1 risk-based capital ratio | 13.1043% | 4,796 |
| Total risk-based capital ratio | 14.1562% | 4,834 |
| Memoranda: | ||
| Average total assets | $82,324,250 | 5,059 |
| Average earning assets | $78,268,750 | 4,971 |
| Average equity | $7,458,250 | 5,354 |
| Average total loans | $63,840,500 | 4,406 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4359% | 2,052 |
| Cost of funding earning assets | 0.5271% | 2,565 |
| Net interest margin | 3.9088% | 2,125 |
| Noninterest income to average assets | 0.5526% | 3,102 |
| Noninterest expense to average assets | 2.6224% | 4,162 |
| Loan and lease loss provision to assets | 0.0339% | 3,610 |
| Net operating income to assets | 1.5196% | 838 |
| Return on assets (ROA) | 1.5196% | 873 |
| Pretax return on assets | 1.6166% | 1,210 |
| Return on Equity (ROE) | 16.7029% | 586 |
| Retained earnings to average equity (ytd only) | -15.4509% | 6,501 |
| Net charge-offs to loans | 0.0032% | 4,284 |
| Credit loss provision to net charge-offs | 1,400.0000% | 257 |
| Earnings coverage of net charge-offs (x) | 681.0000% | 100 |
| Efficiency ratio | 61.3727% | 5,096 |
| Assets per employee ($millions) | 2.5808% | 6,229 |
| Cash dividends to net income (ytd only)* | 192.5040% | 134 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9102% | 5,695 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 76.8575% | 1,067 |
| Net loans and leases to deposits | 87.0040% | 1,707 |
| Net loans and leases to core deposits | 92.5828% | 1,896 |
| Total domestic deposits to total assets | 88.3379% | 1,715 |
| Equity capital to assets | 8.5622% | 5,750 |
| Core capital (leverage) ratio | 8.4560% | 5,679 |
| Tier 1 risk-based capital ratio | 12.7700% | 5,057 |
| Total risk-based capital ratio | 13.8249% | 5,107 |
| Memoranda: | ||
| Average total assets | $82,520,670 | 5,095 |
| Average earning assets | $78,541,000 | 5,009 |
| Average equity | $7,507,670 | 5,380 |
| Average total loans | $63,310,670 | 4,446 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4042% | 2,119 |
| Cost of funding earning assets | 0.5397% | 2,509 |
| Net interest margin | 3.8645% | 2,213 |
| Noninterest income to average assets | 0.5237% | 3,237 |
| Noninterest expense to average assets | 2.5312% | 4,514 |
| Loan and lease loss provision to assets | 0.0533% | 3,041 |
| Net operating income to assets | 1.5517% | 730 |
| Return on assets (ROA) | 1.5517% | 760 |
| Pretax return on assets | 1.6196% | 1,135 |
| Return on Equity (ROE) | 16.5674% | 580 |
| Retained earnings to average equity (ytd only) | 10.6653% | 803 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.2076% | 5,373 |
| Assets per employee ($millions) | 2.8539% | 6,043 |
| Cash dividends to net income (ytd only)* | 35.6250% | 2,134 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9301% | 5,773 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1740% | 5,710 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 72.2792% | 1,540 |
| Net loans and leases to deposits | 82.5759% | 1,995 |
| Net loans and leases to core deposits | 87.7128% | 2,127 |
| Total domestic deposits to total assets | 87.5307% | 2,491 |
| Equity capital to assets | 9.1441% | 4,949 |
| Core capital (leverage) ratio | 9.1850% | 4,739 |
| Tier 1 risk-based capital ratio | 14.3043% | 4,126 |
| Total risk-based capital ratio | 15.3677% | 4,200 |
| Memoranda: | ||
| Average total assets | $82,489,000 | 5,150 |
| Average earning assets | $78,560,500 | 5,060 |
| Average equity | $7,726,000 | 5,363 |
| Average total loans | $62,938,500 | 4,499 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7141% | 1,532 |
| Cost of funding earning assets | 0.6093% | 2,577 |
| Net interest margin | 4.1048% | 1,624 |
| Noninterest income to average assets | 0.7837% | 2,151 |
| Noninterest expense to average assets | 2.7241% | 4,013 |
| Loan and lease loss provision to assets | 0.0581% | 3,978 |
| Net operating income to assets | 1.8178% | 467 |
| Return on assets (ROA) | 1.8178% | 477 |
| Pretax return on assets | 1.8978% | 604 |
| Return on Equity (ROE) | 19.7199% | 297 |
| Retained earnings to average equity (ytd only) | 11.9468% | 322 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.2069% | 5,713 |
| Assets per employee ($millions) | 2.7366% | 6,181 |
| Cash dividends to net income (ytd only)* | 39.4176% | 2,837 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8989% | 5,935 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1903% | 5,736 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 79.1860% | 684 |
| Net loans and leases to deposits | 92.4718% | 1,008 |
| Net loans and leases to core deposits | 98.8455% | 1,250 |
| Total domestic deposits to total assets | 85.6326% | 3,442 |
| Equity capital to assets | 9.6056% | 4,280 |
| Core capital (leverage) ratio | 9.4887% | 4,288 |
| Tier 1 risk-based capital ratio | 13.9076% | 4,359 |
| Total risk-based capital ratio | 14.9495% | 4,468 |
| Memoranda: | ||
| Average total assets | $77,456,200 | 5,293 |
| Average earning assets | $73,524,400 | 5,210 |
| Average equity | $7,140,000 | 5,539 |
| Average total loans | $59,926,800 | 4,612 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7067% | 1,581 |
| Cost of funding earning assets | 0.6192% | 2,654 |
| Net interest margin | 4.0875% | 1,668 |
| Noninterest income to average assets | 0.8556% | 1,916 |
| Noninterest expense to average assets | 2.7504% | 3,828 |
| Loan and lease loss provision to assets | 0.0727% | 3,605 |
| Net operating income to assets | 1.8290% | 496 |
| Return on assets (ROA) | 1.8290% | 512 |
| Pretax return on assets | 1.9087% | 694 |
| Return on Equity (ROE) | 20.0586% | 294 |
| Retained earnings to average equity (ytd only) | 10.8460% | 610 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.1259% | 5,667 |
| Assets per employee ($millions) | 2.5251% | 6,456 |
| Cash dividends to net income (ytd only)* | 45.9282% | 2,054 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9453% | 5,934 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2900% | 5,563 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 75.9010% | 1,016 |
| Net loans and leases to deposits | 87.6169% | 1,415 |
| Net loans and leases to core deposits | 93.6582% | 1,607 |
| Total domestic deposits to total assets | 86.6283% | 2,899 |
| Equity capital to assets | 9.3782% | 4,703 |
| Core capital (leverage) ratio | 9.1569% | 4,892 |
| Tier 1 risk-based capital ratio | 14.0544% | 4,385 |
| Total risk-based capital ratio | 15.1422% | 4,460 |
| Memoranda: | ||
| Average total assets | $76,980,250 | 5,358 |
| Average earning assets | $73,000,750 | 5,273 |
| Average equity | $7,019,250 | 5,629 |
| Average total loans | $59,055,500 | 4,679 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6861% | 1,607 |
| Cost of funding earning assets | 0.6199% | 2,772 |
| Net interest margin | 4.0662% | 1,644 |
| Noninterest income to average assets | 0.6114% | 3,125 |
| Noninterest expense to average assets | 2.7669% | 3,792 |
| Loan and lease loss provision to assets | 0.0131% | 4,619 |
| Net operating income to assets | 1.6042% | 744 |
| Return on assets (ROA) | 1.6042% | 816 |
| Pretax return on assets | 1.6878% | 1,142 |
| Return on Equity (ROE) | 17.7662% | 479 |
| Retained earnings to average equity (ytd only) | 7.0313% | 1,881 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9298% | 5,182 |
| Assets per employee ($millions) | 2.5422% | 6,459 |
| Cash dividends to net income (ytd only)* | 60.4235% | 1,487 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8750% | 6,210 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2931% | 5,589 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 76.1817% | 969 |
| Net loans and leases to deposits | 87.4692% | 1,408 |
| Net loans and leases to core deposits | 92.2725% | 1,681 |
| Total domestic deposits to total assets | 87.0954% | 2,759 |
| Equity capital to assets | 8.8987% | 5,326 |
| Core capital (leverage) ratio | 9.0961% | 4,833 |
| Tier 1 risk-based capital ratio | 13.3873% | 4,849 |
| Total risk-based capital ratio | 14.4013% | 4,972 |
| Memoranda: | ||
| Average total assets | $76,548,000 | 5,403 |
| Average earning assets | $72,597,670 | 5,317 |
| Average equity | $6,912,000 | 5,707 |
| Average total loans | $58,747,330 | 4,714 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6967% | 1,544 |
| Cost of funding earning assets | 0.6214% | 2,910 |
| Net interest margin | 4.0753% | 1,538 |
| Noninterest income to average assets | 0.6524% | 2,869 |
| Noninterest expense to average assets | 2.8322% | 3,594 |
| Loan and lease loss provision to assets | 0.0106% | 4,319 |
| Net operating income to assets | 1.6071% | 700 |
| Return on assets (ROA) | 1.6071% | 761 |
| Pretax return on assets | 1.6707% | 1,152 |
| Return on Equity (ROE) | 17.6638% | 457 |
| Retained earnings to average equity (ytd only) | 10.6682% | 944 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7497% | 5,190 |
| Assets per employee ($millions) | 2.5433% | 6,543 |
| Cash dividends to net income (ytd only)* | 39.6040% | 1,866 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9118% | 6,233 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3093% | 5,651 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 75.0603% | 957 |
| Net loans and leases to deposits | 85.5314% | 1,415 |
| Net loans and leases to core deposits | 88.5986% | 1,848 |
| Total domestic deposits to total assets | 87.7575% | 2,481 |
| Equity capital to assets | 9.1127% | 5,358 |
| Core capital (leverage) ratio | 9.0048% | 4,877 |
| Tier 1 risk-based capital ratio | 13.6612% | 4,752 |
| Total risk-based capital ratio | 14.6951% | 4,867 |
| Memoranda: | ||
| Average total assets | $75,417,500 | 5,475 |
| Average earning assets | $71,454,500 | 5,398 |
| Average equity | $6,861,500 | 5,776 |
| Average total loans | $57,837,000 | 4,783 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9615% | 1,660 |
| Cost of funding earning assets | 0.7671% | 2,947 |
| Net interest margin | 4.1945% | 1,681 |
| Noninterest income to average assets | 0.5515% | 3,565 |
| Noninterest expense to average assets | 2.8906% | 3,677 |
| Loan and lease loss provision to assets | 0.0211% | 5,635 |
| Net operating income to assets | 1.5555% | 821 |
| Return on assets (ROA) | 1.5555% | 902 |
| Pretax return on assets | 1.6148% | 1,344 |
| Return on Equity (ROE) | 17.9114% | 452 |
| Retained earnings to average equity (ytd only) | 2.4003% | 4,545 |
| Net charge-offs to loans | -0.0086% | 6,448 |
| Credit loss provision to net charge-offs | -320.0000% | 6,459 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8589% | 4,909 |
| Assets per employee ($millions) | 2.5702% | 6,560 |
| Cash dividends to net income (ytd only)* | 86.5988% | 805 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9071% | 6,250 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3247% | 5,695 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 76.9451% | 793 |
| Net loans and leases to deposits | 87.7128% | 1,311 |
| Net loans and leases to core deposits | 92.3556% | 1,607 |
| Total domestic deposits to total assets | 87.7239% | 2,395 |
| Equity capital to assets | 9.0830% | 5,424 |
| Core capital (leverage) ratio | 9.0744% | 4,777 |
| Tier 1 risk-based capital ratio | 13.3495% | 4,855 |
| Total risk-based capital ratio | 14.3874% | 4,956 |
| Memoranda: | ||
| Average total assets | $75,798,000 | 5,464 |
| Average earning assets | $71,832,800 | 5,377 |
| Average equity | $6,582,400 | 5,873 |
| Average total loans | $58,317,600 | 4,783 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9819% | 1,736 |
| Cost of funding earning assets | 0.7890% | 3,036 |
| Net interest margin | 4.1928% | 1,759 |
| Noninterest income to average assets | 0.5308% | 3,742 |
| Noninterest expense to average assets | 2.9201% | 3,518 |
| Loan and lease loss provision to assets | 0.0175% | 5,584 |
| Net operating income to assets | 1.5100% | 1,001 |
| Return on assets (ROA) | 1.5100% | 1,112 |
| Pretax return on assets | 1.5678% | 1,677 |
| Return on Equity (ROE) | 17.5855% | 542 |
| Retained earnings to average equity (ytd only) | -3.2437% | 6,498 |
| Net charge-offs to loans | -0.0114% | 6,386 |
| Credit loss provision to net charge-offs | -200.0000% | 6,335 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8134% | 4,653 |
| Assets per employee ($millions) | 2.5291% | 6,678 |
| Cash dividends to net income (ytd only)* | 118.4460% | 199 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8917% | 6,405 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1050% | 6,463 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 78.6475% | 658 |
| Net loans and leases to deposits | 88.6478% | 1,277 |
| Net loans and leases to core deposits | 94.3351% | 1,556 |
| Total domestic deposits to total assets | 88.7191% | 1,583 |
| Equity capital to assets | 8.7981% | 6,019 |
| Core capital (leverage) ratio | 8.4298% | 5,858 |
| Tier 1 risk-based capital ratio | 12.7752% | 5,426 |
| Total risk-based capital ratio | 13.8054% | 5,561 |
| Memoranda: | ||
| Average total assets | $76,113,750 | 5,512 |
| Average earning assets | $72,153,000 | 5,423 |
| Average equity | $6,535,500 | 5,951 |
| Average total loans | $58,428,000 | 4,823 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9398% | 1,962 |
| Cost of funding earning assets | 0.8105% | 3,105 |
| Net interest margin | 4.1293% | 1,974 |
| Noninterest income to average assets | 0.4699% | 4,134 |
| Noninterest expense to average assets | 2.8376% | 3,876 |
| Loan and lease loss provision to assets | 0.0130% | 5,504 |
| Net operating income to assets | 1.4772% | 1,034 |
| Return on assets (ROA) | 1.4772% | 1,157 |
| Pretax return on assets | 1.5343% | 1,765 |
| Return on Equity (ROE) | 17.3396% | 596 |
| Retained earnings to average equity (ytd only) | -9.9040% | 6,833 |
| Net charge-offs to loans | -0.0034% | 6,127 |
| Credit loss provision to net charge-offs | -500.0000% | 6,282 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7128% | 4,762 |
| Assets per employee ($millions) | 2.5420% | 6,722 |
| Cash dividends to net income (ytd only)* | 157.1178% | 158 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8580% | 6,555 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0577% | 6,673 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 77.8793% | 737 |
| Net loans and leases to deposits | 86.7755% | 1,507 |
| Net loans and leases to core deposits | 91.1785% | 1,851 |
| Total domestic deposits to total assets | 89.7481% | 1,074 |
| Equity capital to assets | 8.2443% | 6,420 |
| Core capital (leverage) ratio | 8.0853% | 6,180 |
| Tier 1 risk-based capital ratio | 11.9880% | 5,945 |
| Total risk-based capital ratio | 12.9709% | 6,078 |
| Memoranda: | ||
| Average total assets | $77,036,670 | 5,521 |
| Average earning assets | $73,039,330 | 5,428 |
| Average equity | $6,563,000 | 5,965 |
| Average total loans | $58,503,000 | 4,853 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8941% | 2,263 |
| Cost of funding earning assets | 0.8348% | 3,188 |
| Net interest margin | 4.0593% | 2,260 |
| Noninterest income to average assets | 0.4288% | 4,462 |
| Noninterest expense to average assets | 2.7433% | 4,269 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.4775% | 1,066 |
| Return on assets (ROA) | 1.4775% | 1,191 |
| Pretax return on assets | 1.5292% | 1,800 |
| Return on Equity (ROE) | 17.0721% | 657 |
| Retained earnings to average equity (ytd only) | 10.6253% | 1,133 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2080% | 4,888 |
| Assets per employee ($millions) | 2.5920% | 6,751 |
| Cash dividends to net income (ytd only)* | 37.7622% | 1,829 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8801% | 6,586 |
| Loan loss allowance to noncurrent loans | 7,257.1429% | 84 |
| Noncurrent assets plus other real estate owned to assets | 0.4270% | 5,796 |
| Noncurrent loans to loans | 0.0121% | 6,759 |
| Net loans and leases to total assets | 73.5760% | 1,131 |
| Net loans and leases to deposits | 81.3433% | 2,013 |
| Net loans and leases to core deposits | 85.3350% | 2,367 |
| Total domestic deposits to total assets | 90.4513% | 830 |
| Equity capital to assets | 8.7321% | 5,836 |
| Core capital (leverage) ratio | 8.6530% | 5,373 |
| Tier 1 risk-based capital ratio | 13.3531% | 4,931 |
| Total risk-based capital ratio | 14.3547% | 5,097 |
| Memoranda: | ||
| Average total assets | $77,425,500 | 5,545 |
| Average earning assets | $73,313,000 | 5,461 |
| Average equity | $6,701,000 | 5,963 |
| Average total loans | $57,802,500 | 4,907 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0011% | 2,875 |
| Cost of funding earning assets | 1.0702% | 2,881 |
| Net interest margin | 3.9309% | 3,202 |
| Noninterest income to average assets | 0.5076% | 3,793 |
| Noninterest expense to average assets | 2.8355% | 4,216 |
| Loan and lease loss provision to assets | 0.0077% | 6,437 |
| Net operating income to assets | 1.3319% | 1,176 |
| Return on assets (ROA) | 1.3319% | 1,262 |
| Pretax return on assets | 1.3793% | 1,845 |
| Return on Equity (ROE) | 16.6506% | 514 |
| Retained earnings to average equity (ytd only) | 10.0481% | 556 |
| Net charge-offs to loans | 0.0106% | 6,280 |
| Credit loss provision to net charge-offs | 100.0000% | 3,501 |
| Earnings coverage of net charge-offs (x) | 180.3333% | 190 |
| Efficiency ratio | 67.1524% | 4,543 |
| Assets per employee ($millions) | 3.2122% | 5,681 |
| Cash dividends to net income (ytd only)* | 39.6535% | 2,618 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8776% | 6,583 |
| Loan loss allowance to noncurrent loans | 1,128.8889% | 363 |
| Noncurrent assets plus other real estate owned to assets | 0.5240% | 5,655 |
| Noncurrent loans to loans | 0.0777% | 6,621 |
| Net loans and leases to total assets | 74.4267% | 1,191 |
| Net loans and leases to deposits | 82.1949% | 2,175 |
| Net loans and leases to core deposits | 86.2527% | 2,600 |
| Total domestic deposits to total assets | 90.5490% | 689 |
| Equity capital to assets | 8.5768% | 6,046 |
| Core capital (leverage) ratio | 8.4894% | 5,579 |
| Tier 1 risk-based capital ratio | 13.0449% | 5,027 |
| Total risk-based capital ratio | 14.0500% | 5,223 |
| Memoranda: | ||
| Average total assets | $78,010,400 | 5,503 |
| Average earning assets | $73,724,000 | 5,409 |
| Average equity | $6,240,000 | 6,092 |
| Average total loans | $56,691,400 | 4,999 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9733% | 3,227 |
| Cost of funding earning assets | 1.1076% | 2,926 |
| Net interest margin | 3.8657% | 3,542 |
| Noninterest income to average assets | 0.5607% | 3,443 |
| Noninterest expense to average assets | 2.8442% | 4,173 |
| Loan and lease loss provision to assets | 0.0068% | 6,339 |
| Net operating income to assets | 1.3173% | 1,333 |
| Return on assets (ROA) | 1.3173% | 1,421 |
| Pretax return on assets | 1.3616% | 2,080 |
| Return on Equity (ROE) | 16.7666% | 597 |
| Retained earnings to average equity (ytd only) | 7.8085% | 1,587 |
| Net charge-offs to loans | 0.0071% | 6,065 |
| Credit loss provision to net charge-offs | 133.3333% | 2,386 |
| Earnings coverage of net charge-offs (x) | 267.6600% | 145 |
| Efficiency ratio | 67.5162% | 4,417 |
| Assets per employee ($millions) | 3.8499% | 4,193 |
| Cash dividends to net income (ytd only)* | 53.4280% | 1,446 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8803% | 6,658 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5312% | 5,767 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 74.4370% | 1,247 |
| Net loans and leases to deposits | 82.3290% | 2,297 |
| Net loans and leases to core deposits | 86.0573% | 2,761 |
| Total domestic deposits to total assets | 90.4140% | 671 |
| Equity capital to assets | 8.2418% | 6,533 |
| Core capital (leverage) ratio | 8.5067% | 5,706 |
| Tier 1 risk-based capital ratio | 12.6923% | 5,336 |
| Total risk-based capital ratio | 13.7134% | 5,517 |
| Memoranda: | ||
| Average total assets | $78,240,000 | 5,546 |
| Average earning assets | $73,913,500 | 5,448 |
| Average equity | $6,147,000 | 6,166 |
| Average total loans | $56,393,000 | 5,058 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9286% | 3,495 |
| Cost of funding earning assets | 1.1677% | 2,788 |
| Net interest margin | 3.7609% | 3,986 |
| Noninterest income to average assets | 0.4930% | 3,923 |
| Noninterest expense to average assets | 2.6012% | 5,174 |
| Loan and lease loss provision to assets | 0.0091% | 6,150 |
| Net operating income to assets | 1.4034% | 1,073 |
| Return on assets (ROA) | 1.4034% | 1,138 |
| Pretax return on assets | 1.4579% | 1,647 |
| Return on Equity (ROE) | 17.7642% | 478 |
| Retained earnings to average equity (ytd only) | 6.0490% | 2,396 |
| Net charge-offs to loans | 0.0084% | 5,737 |
| Credit loss provision to net charge-offs | 150.0000% | 2,038 |
| Earnings coverage of net charge-offs (x) | 242.5000% | 141 |
| Efficiency ratio | 63.9405% | 5,250 |
| Assets per employee ($millions) | 3.3110% | 5,403 |
| Cash dividends to net income (ytd only)* | 65.9483% | 1,152 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8778% | 6,717 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6176% | 5,684 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 72.9851% | 1,596 |
| Net loans and leases to deposits | 80.2931% | 2,740 |
| Net loans and leases to core deposits | 85.6368% | 2,968 |
| Total domestic deposits to total assets | 90.8984% | 542 |
| Equity capital to assets | 7.9902% | 6,689 |
| Core capital (leverage) ratio | 7.9377% | 6,370 |
| Tier 1 risk-based capital ratio | 12.0612% | 5,736 |
| Total risk-based capital ratio | 13.0368% | 5,938 |
| Memoranda: | ||
| Average total assets | $66,124,000 | 5,956 |
| Average earning assets | $62,857,000 | 5,861 |
| Average equity | $5,224,000 | 6,458 |
| Average total loans | $47,796,000 | 5,446 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8990% | 3,600 |
| Cost of funding earning assets | 1.1643% | 3,058 |
| Net interest margin | 3.7347% | 3,923 |
| Noninterest income to average assets | 0.5146% | 3,769 |
| Noninterest expense to average assets | 2.6515% | 5,025 |
| Loan and lease loss provision to assets | 0.0121% | 5,763 |
| Net operating income to assets | 1.3439% | 1,164 |
| Return on assets (ROA) | 1.3439% | 1,214 |
| Pretax return on assets | 1.4044% | 1,716 |
| Return on Equity (ROE) | 17.1082% | 553 |
| Retained earnings to average equity (ytd only) | 9.0165% | 1,373 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1786% | 5,170 |
| Assets per employee ($millions) | 3.3453% | 5,373 |
| Cash dividends to net income (ytd only)* | 47.2973% | 1,559 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9244% | 6,637 |
| Loan loss allowance to noncurrent loans | 199.5349% | 1,483 |
| Noncurrent assets plus other real estate owned to assets | 0.6113% | 5,749 |
| Noncurrent loans to loans | 0.4633% | 6,089 |
| Net loans and leases to total assets | 68.7198% | 2,399 |
| Net loans and leases to deposits | 75.5654% | 3,483 |
| Net loans and leases to core deposits | 80.0435% | 3,753 |
| Total domestic deposits to total assets | 90.9409% | 658 |
| Equity capital to assets | 7.8455% | 6,637 |
| Core capital (leverage) ratio | 7.7532% | 6,506 |
| Tier 1 risk-based capital ratio | 12.3876% | 5,361 |
| Total risk-based capital ratio | 13.4000% | 5,546 |
| Memoranda: | ||
| Average total assets | $66,076,500 | 5,991 |
| Average earning assets | $62,870,000 | 5,898 |
| Average equity | $5,190,500 | 6,487 |
| Average total loans | $47,315,000 | 5,509 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1949% | 3,635 |
| Cost of funding earning assets | 1.4240% | 3,113 |
| Net interest margin | 3.7709% | 4,063 |
| Noninterest income to average assets | 0.5721% | 3,655 |
| Noninterest expense to average assets | 2.7250% | 4,876 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 1.3810% | 986 |
| Return on assets (ROA) | 1.3810% | 1,056 |
| Pretax return on assets | 1.4471% | 1,520 |
| Return on Equity (ROE) | 17.2011% | 460 |
| Retained earnings to average equity (ytd only) | -2.7583% | 6,076 |
| Net charge-offs to loans | 0.0228% | 6,582 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | 85.5455% | 285 |
| Efficiency ratio | 65.3151% | 5,108 |
| Assets per employee ($millions) | 3.2624% | 5,509 |
| Cash dividends to net income (ytd only)* | 116.0356% | 263 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8855% | 6,760 |
| 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 | 73.2544% | 1,814 |
| Net loans and leases to deposits | 80.6428% | 3,056 |
| Net loans and leases to core deposits | 87.9591% | 3,059 |
| Total domestic deposits to total assets | 90.8380% | 674 |
| Equity capital to assets | 7.8654% | 6,627 |
| Core capital (leverage) ratio | 7.9039% | 6,312 |
| Tier 1 risk-based capital ratio | 12.1232% | 5,359 |
| Total risk-based capital ratio | 13.1319% | 5,573 |
| Memoranda: | ||
| Average total assets | $65,026,400 | 6,032 |
| Average earning assets | $62,080,200 | 5,918 |
| Average equity | $5,220,600 | 6,586 |
| Average total loans | $48,178,400 | 5,556 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2045% | 3,804 |
| Cost of funding earning assets | 1.4483% | 3,287 |
| Net interest margin | 3.7562% | 4,160 |
| Noninterest income to average assets | 0.5397% | 3,865 |
| Noninterest expense to average assets | 2.6719% | 4,996 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.3893% | 1,126 |
| Return on assets (ROA) | 1.3893% | 1,207 |
| Pretax return on assets | 1.4550% | 1,736 |
| Return on Equity (ROE) | 17.2169% | 563 |
| Retained earnings to average equity (ytd only) | -9.2823% | 6,837 |
| Net charge-offs to loans | 0.0277% | 6,289 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 70.9160% | 423 |
| Efficiency ratio | 64.7439% | 5,098 |
| Assets per employee ($millions) | 3.1861% | 5,711 |
| Cash dividends to net income (ytd only)* | 153.9152% | 133 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8850% | 6,787 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0926% | 7,124 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 75.2264% | 1,544 |
| Net loans and leases to deposits | 83.0691% | 2,897 |
| Net loans and leases to core deposits | 88.4540% | 3,316 |
| Total domestic deposits to total assets | 90.5588% | 617 |
| Equity capital to assets | 7.7070% | 6,995 |
| Core capital (leverage) ratio | 7.5708% | 6,795 |
| Tier 1 risk-based capital ratio | 11.4655% | 5,968 |
| Total risk-based capital ratio | 12.4647% | 6,171 |
| Memoranda: | ||
| Average total assets | $64,971,000 | 6,100 |
| Average earning assets | $62,047,250 | 5,991 |
| Average equity | $5,242,750 | 6,656 |
| Average total loans | $48,167,000 | 5,638 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1411% | 4,239 |
| Cost of funding earning assets | 1.4606% | 3,489 |
| Net interest margin | 3.6805% | 4,448 |
| Noninterest income to average assets | 0.5475% | 3,733 |
| Noninterest expense to average assets | 2.6274% | 5,216 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.3703% | 1,150 |
| Return on assets (ROA) | 1.3703% | 1,218 |
| Pretax return on assets | 1.4345% | 1,741 |
| Return on Equity (ROE) | 16.7372% | 604 |
| Retained earnings to average equity (ytd only) | 4.3711% | 3,292 |
| Net charge-offs to loans | -0.0042% | 7,096 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6837% | 5,210 |
| Assets per employee ($millions) | 3.2289% | 5,606 |
| Cash dividends to net income (ytd only)* | 73.8839% | 923 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9129% | 6,712 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0914% | 7,171 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 73.6206% | 1,998 |
| Net loans and leases to deposits | 82.4623% | 3,189 |
| Net loans and leases to core deposits | 86.3364% | 3,779 |
| Total domestic deposits to total assets | 89.2779% | 1,295 |
| Equity capital to assets | 8.3513% | 6,353 |
| Core capital (leverage) ratio | 8.1437% | 6,044 |
| Tier 1 risk-based capital ratio | 12.6353% | 4,746 |
| Total risk-based capital ratio | 13.6615% | 4,913 |
| Memoranda: | ||
| Average total assets | $65,387,670 | 6,126 |
| Average earning assets | $62,438,000 | 6,005 |
| Average equity | $5,353,330 | 6,664 |
| Average total loans | $48,101,670 | 5,685 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1250% | 4,417 |
| Cost of funding earning assets | 1.4515% | 3,864 |
| Net interest margin | 3.6734% | 4,381 |
| Noninterest income to average assets | 0.5593% | 3,573 |
| Noninterest expense to average assets | 2.6264% | 5,243 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.3801% | 1,123 |
| Return on assets (ROA) | 1.3801% | 1,199 |
| Pretax return on assets | 1.4409% | 1,666 |
| Return on Equity (ROE) | 17.0245% | 604 |
| Retained earnings to average equity (ytd only) | 8.6247% | 1,501 |
| Net charge-offs to loans | -0.0083% | 6,866 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5740% | 5,378 |
| Assets per employee ($millions) | 3.3283% | 5,481 |
| Cash dividends to net income (ytd only)* | 49.3392% | 1,497 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9225% | 6,767 |
| 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 | 70.8285% | 2,733 |
| Net loans and leases to deposits | 78.3798% | 3,966 |
| Net loans and leases to core deposits | 81.7658% | 4,528 |
| Total domestic deposits to total assets | 90.3658% | 792 |
| Equity capital to assets | 8.0989% | 6,541 |
| Core capital (leverage) ratio | 8.1147% | 6,048 |
| Tier 1 risk-based capital ratio | 12.6698% | 4,584 |
| Total risk-based capital ratio | 13.7015% | 4,741 |
| Memoranda: | ||
| Average total assets | $65,793,000 | 6,181 |
| Average earning assets | $62,829,500 | 6,056 |
| Average equity | $5,333,500 | 6,727 |
| Average total loans | $48,162,500 | 5,751 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6663% | 3,273 |
| Cost of funding earning assets | 1.6902% | 4,571 |
| Net interest margin | 3.9761% | 2,964 |
| Noninterest income to average assets | 0.5891% | 3,720 |
| Noninterest expense to average assets | 2.6366% | 5,640 |
| Loan and lease loss provision to assets | 0.0509% | 7,057 |
| Net operating income to assets | 1.6240% | 516 |
| Return on assets (ROA) | 1.6240% | 550 |
| Pretax return on assets | 1.6957% | 789 |
| Return on Equity (ROE) | 20.5903% | 215 |
| Retained earnings to average equity (ytd only) | 11.8091% | 224 |
| Net charge-offs to loans | 0.0063% | 7,150 |
| Credit loss provision to net charge-offs | 1,066.6667% | 276 |
| Earnings coverage of net charge-offs (x) | 365.6667% | 79 |
| Efficiency ratio | 60.1526% | 6,473 |
| Assets per employee ($millions) | 3.2511% | 5,605 |
| Cash dividends to net income (ytd only)* | 42.6471% | 2,797 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8987% | 6,817 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1799% | 7,020 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 74.2852% | 2,204 |
| Net loans and leases to deposits | 82.2817% | 3,577 |
| Net loans and leases to core deposits | 101.6392% | 3,835 |
| Total domestic deposits to total assets | 90.2816% | 847 |
| Equity capital to assets | 8.1143% | 6,447 |
| Core capital (leverage) ratio | 8.2080% | 5,798 |
| Tier 1 risk-based capital ratio | 12.1772% | 4,792 |
| Total risk-based capital ratio | 13.1881% | 4,946 |
| Memoranda: | ||
| Average total assets | $62,807,400 | 6,245 |
| Average earning assets | $59,933,600 | 6,129 |
| Average equity | $4,953,800 | 6,957 |
| Average total loans | $47,466,000 | 5,784 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7312% | 3,181 |
| Cost of funding earning assets | 1.7227% | 4,785 |
| Net interest margin | 4.0085% | 2,778 |
| Noninterest income to average assets | 0.5997% | 3,705 |
| Noninterest expense to average assets | 2.5915% | 5,744 |
| Loan and lease loss provision to assets | 0.0664% | 6,699 |
| Net operating income to assets | 1.6962% | 567 |
| Return on assets (ROA) | 1.6962% | 594 |
| Pretax return on assets | 1.7690% | 856 |
| Return on Equity (ROE) | 21.6687% | 219 |
| Retained earnings to average equity (ytd only) | 9.7947% | 675 |
| Net charge-offs to loans | 0.0028% | 6,952 |
| Credit loss provision to net charge-offs | 3,100.0000% | 130 |
| Earnings coverage of net charge-offs (x) | 859.1278% | 31 |
| Efficiency ratio | 58.5389% | 6,641 |
| Assets per employee ($millions) | 3.1927% | 5,667 |
| Cash dividends to net income (ytd only)* | 54.7980% | 1,815 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9166% | 6,686 |
| 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 | 74.3191% | 2,439 |
| Net loans and leases to deposits | 82.2273% | 3,978 |
| Net loans and leases to core deposits | 101.1338% | 4,253 |
| Total domestic deposits to total assets | 90.3826% | 628 |
| Equity capital to assets | 7.9072% | 6,939 |
| Core capital (leverage) ratio | 7.9923% | 6,373 |
| Tier 1 risk-based capital ratio | 11.7059% | 5,240 |
| Total risk-based capital ratio | 12.7237% | 5,397 |
| Memoranda: | ||
| Average total assets | $62,254,000 | 6,307 |
| Average earning assets | $59,439,250 | 6,189 |
| Average equity | $4,873,250 | 7,055 |
| Average total loans | $47,147,750 | 5,842 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7782% | 3,145 |
| Cost of funding earning assets | 1.7508% | 5,003 |
| Net interest margin | 4.0275% | 2,592 |
| Noninterest income to average assets | 0.5930% | 3,754 |
| Noninterest expense to average assets | 2.5599% | 5,901 |
| Loan and lease loss provision to assets | 0.0680% | 6,523 |
| Net operating income to assets | 1.7401% | 522 |
| Return on assets (ROA) | 1.7401% | 566 |
| Pretax return on assets | 1.8114% | 829 |
| Return on Equity (ROE) | 22.3068% | 222 |
| Retained earnings to average equity (ytd only) | 8.8480% | 976 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.6642% | 6,916 |
| Assets per employee ($millions) | 3.1015% | 5,863 |
| Cash dividends to net income (ytd only)* | 60.3352% | 1,663 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8935% | 6,804 |
| 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 | 76.8882% | 1,972 |
| Net loans and leases to deposits | 85.9659% | 3,559 |
| Net loans and leases to core deposits | 103.9426% | 4,068 |
| Total domestic deposits to total assets | 89.4404% | 1,069 |
| Equity capital to assets | 7.9060% | 6,859 |
| Core capital (leverage) ratio | 7.8747% | 6,526 |
| Tier 1 risk-based capital ratio | 11.5069% | 5,373 |
| Total risk-based capital ratio | 12.5158% | 5,534 |
| Memoranda: | ||
| Average total assets | $61,721,000 | 6,387 |
| Average earning assets | $58,945,330 | 6,273 |
| Average equity | $4,814,670 | 7,136 |
| Average total loans | $46,899,000 | 5,894 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8312% | 3,132 |
| Cost of funding earning assets | 1.8057% | 5,089 |
| Net interest margin | 4.0255% | 2,552 |
| Noninterest income to average assets | 0.5198% | 4,133 |
| Noninterest expense to average assets | 2.5468% | 5,660 |
| Loan and lease loss provision to assets | 0.0715% | 6,068 |
| Net operating income to assets | 1.6827% | 670 |
| Return on assets (ROA) | 1.6827% | 737 |
| Pretax return on assets | 1.7542% | 1,071 |
| Return on Equity (ROE) | 21.7191% | 321 |
| Retained earnings to average equity (ytd only) | 13.2495% | 601 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.2467% | 6,662 |
| Assets per employee ($millions) | 3.1036% | 5,882 |
| Cash dividends to net income (ytd only)* | 38.9961% | 2,093 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9020% | 6,739 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 74.3395% | 2,667 |
| Net loans and leases to deposits | 81.6607% | 4,335 |
| Net loans and leases to core deposits | 96.5315% | 4,900 |
| Total domestic deposits to total assets | 91.0346% | 404 |
| Equity capital to assets | 7.8119% | 7,049 |
| Core capital (leverage) ratio | 7.7306% | 6,848 |
| Tier 1 risk-based capital ratio | 11.4753% | 5,441 |
| Total risk-based capital ratio | 12.4692% | 5,595 |
| Memoranda: | ||
| Average total assets | $61,567,000 | 6,418 |
| Average earning assets | $58,924,000 | 6,303 |
| Average equity | $4,770,000 | 7,200 |
| Average total loans | $46,287,000 | 5,947 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6113% | 2,431 |
| Cost of funding earning assets | 2.4346% | 4,549 |
| Net interest margin | 4.1767% | 2,403 |
| Noninterest income to average assets | 0.5676% | 4,098 |
| Noninterest expense to average assets | 2.5444% | 5,842 |
| Loan and lease loss provision to assets | 0.0512% | 6,777 |
| Net operating income to assets | 1.8365% | 511 |
| Return on assets (ROA) | 1.8365% | 494 |
| Pretax return on assets | 1.9124% | 747 |
| Return on Equity (ROE) | 23.5635% | 192 |
| Retained earnings to average equity (ytd only) | 3.9167% | 2,689 |
| Net charge-offs to loans | 0.0045% | 6,924 |
| Credit loss provision to net charge-offs | 1,550.0000% | 283 |
| Earnings coverage of net charge-offs (x) | 595.0000% | 97 |
| Efficiency ratio | 56.4422% | 6,950 |
| Assets per employee ($millions) | 3.0531% | 5,923 |
| Cash dividends to net income (ytd only)* | 83.3783% | 1,556 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8889% | 6,737 |
| 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 | 74.6798% | 2,947 |
| Net loans and leases to deposits | 82.0250% | 4,728 |
| Net loans and leases to core deposits | 99.6569% | 4,855 |
| Total domestic deposits to total assets | 91.0452% | 314 |
| Equity capital to assets | 7.6824% | 7,224 |
| Core capital (leverage) ratio | 7.6528% | 6,999 |
| Tier 1 risk-based capital ratio | 10.9991% | 5,727 |
| Total risk-based capital ratio | 11.9581% | 5,901 |
| Memoranda: | ||
| Average total assets | $60,604,800 | 6,368 |
| Average earning assets | $57,175,000 | 6,292 |
| Average equity | $4,723,400 | 7,245 |
| Average total loans | $44,494,200 | 5,949 |