Home > First State Bank > Performance and Condition Ratios
First State Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9616% | 351 |
| Cost of funding earning assets | 3.5446% | 101 |
| Net interest margin | 3.4170% | 2,526 |
| Noninterest income to average assets | 0.4700% | 1,878 |
| Noninterest expense to average assets | 2.0674% | 3,415 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | 1.5359% | 1,019 |
| Return on assets (ROA) | 1.5359% | 1,015 |
| Pretax return on assets | 1.5359% | 1,435 |
| Return on Equity (ROE) | 13.4900% | 1,385 |
| Retained earnings to average equity (ytd only) | -13.9114% | 4,326 |
| 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 | 57.3746% | 3,255 |
| Assets per employee ($millions) | 7.7223% | 1,735 |
| Cash dividends to net income (ytd only)* | 203.1142% | 140 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7325% | 612 |
| 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 | 68.6000% | 2,001 |
| Net loans and leases to deposits | 96.9600% | 557 |
| Net loans and leases to core deposits | 102.5334% | 1,219 |
| Total domestic deposits to total assets | 70.7500% | 4,177 |
| Equity capital to assets | 10.9579% | 1,682 |
| Core capital (leverage) ratio | 11.8981% | 1,518 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $75,263,000 | 3,995 |
| Average earning assets | $68,950,000 | 3,982 |
| Average equity | $8,568,500 | 3,928 |
| Average total loans | $53,849,000 | 3,775 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5569% | 654 |
| Cost of funding earning assets | 3.0547% | 446 |
| Net interest margin | 3.5022% | 2,074 |
| Noninterest income to average assets | 0.3800% | 2,571 |
| Noninterest expense to average assets | 2.1806% | 3,195 |
| Loan and lease loss provision to assets | 0.0000% | 3,171 |
| Net operating income to assets | 1.4071% | 1,061 |
| Return on assets (ROA) | 1.4071% | 1,058 |
| Pretax return on assets | 1.4071% | 1,497 |
| Return on Equity (ROE) | 11.8400% | 1,651 |
| Retained earnings to average equity (ytd only) | 0.6944% | 3,756 |
| Net charge-offs to loans | 0.0061% | 2,708 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 335.3333% | 353 |
| Efficiency ratio | 60.7797% | 3,076 |
| Assets per employee ($millions) | 7.3303% | 1,945 |
| Cash dividends to net income (ytd only)* | 94.1352% | 325 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7365% | 592 |
| 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 | 72.1000% | 1,657 |
| Net loans and leases to deposits | 103.4083% | 332 |
| Net loans and leases to core deposits | 108.6707% | 991 |
| Total domestic deposits to total assets | 69.7200% | 4,210 |
| Equity capital to assets | 11.8344% | 1,244 |
| Core capital (leverage) ratio | 12.6084% | 1,190 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $71,495,200 | 4,032 |
| Average earning assets | $65,473,200 | 4,020 |
| Average equity | $8,496,400 | 3,925 |
| Average total loans | $49,402,800 | 3,825 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6017% | 604 |
| Cost of funding earning assets | 3.0801% | 440 |
| Net interest margin | 3.5216% | 1,971 |
| Noninterest income to average assets | 0.4000% | 2,420 |
| Noninterest expense to average assets | 2.1658% | 3,176 |
| Loan and lease loss provision to assets | 0.0000% | 3,009 |
| Net operating income to assets | 1.4714% | 972 |
| Return on assets (ROA) | 1.4714% | 972 |
| Pretax return on assets | 1.4714% | 1,357 |
| Return on Equity (ROE) | 12.3700% | 1,520 |
| Retained earnings to average equity (ytd only) | -0.7257% | 4,107 |
| Net charge-offs to loans | 0.0083% | 2,351 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 261.3333% | 430 |
| Efficiency ratio | 59.5459% | 3,214 |
| Assets per employee ($millions) | 7.3829% | 1,881 |
| Cash dividends to net income (ytd only)* | 105.8673% | 199 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8380% | 515 |
| 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 | 67.5700% | 2,140 |
| Net loans and leases to deposits | 94.6241% | 818 |
| Net loans and leases to core deposits | 103.0279% | 1,291 |
| Total domestic deposits to total assets | 71.4000% | 4,187 |
| Equity capital to assets | 11.8097% | 1,351 |
| Core capital (leverage) ratio | 12.8835% | 1,132 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $71,043,250 | 4,053 |
| Average earning assets | $65,234,000 | 4,044 |
| Average equity | $8,451,750 | 3,940 |
| Average total loans | $48,307,000 | 3,851 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7997% | 458 |
| Cost of funding earning assets | 3.2430% | 299 |
| Net interest margin | 3.5567% | 1,858 |
| Noninterest income to average assets | 0.4000% | 2,384 |
| Noninterest expense to average assets | 2.1308% | 3,252 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 1.5375% | 862 |
| Return on assets (ROA) | 1.5375% | 868 |
| Pretax return on assets | 1.5375% | 1,214 |
| Return on Equity (ROE) | 12.8900% | 1,388 |
| Retained earnings to average equity (ytd only) | -4.3527% | 4,292 |
| Net charge-offs to loans | 0.0126% | 1,964 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 179.6667% | 536 |
| Efficiency ratio | 58.0871% | 3,383 |
| Assets per employee ($millions) | 7.0914% | 2,020 |
| Cash dividends to net income (ytd only)* | 133.7662% | 176 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9476% | 426 |
| 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 | 66.3100% | 2,307 |
| Net loans and leases to deposits | 90.3644% | 1,277 |
| Net loans and leases to core deposits | 97.0586% | 1,668 |
| Total domestic deposits to total assets | 73.3800% | 4,107 |
| Equity capital to assets | 11.7226% | 1,264 |
| Core capital (leverage) ratio | 13.2732% | 994 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $70,114,667 | 4,077 |
| Average earning assets | $64,385,333 | 4,060 |
| Average equity | $8,362,667 | 3,937 |
| Average total loans | $47,470,333 | 3,877 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5427% | 544 |
| Cost of funding earning assets | 2.9768% | 446 |
| Net interest margin | 3.5659% | 1,781 |
| Noninterest income to average assets | 0.4800% | 1,876 |
| Noninterest expense to average assets | 2.1057% | 3,290 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 1.6352% | 736 |
| Return on assets (ROA) | 1.6352% | 745 |
| Pretax return on assets | 1.6352% | 1,038 |
| Return on Equity (ROE) | 13.5900% | 1,222 |
| Retained earnings to average equity (ytd only) | -15.9762% | 4,403 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 56.2883% | 3,571 |
| Assets per employee ($millions) | 7.0890% | 2,029 |
| Cash dividends to net income (ytd only)* | 217.5439% | 143 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9858% | 394 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,825 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,894 |
| Noncurrent loans to loans | 0.0000% | 3,844 |
| Net loans and leases to total assets | 65.2400% | 2,341 |
| Net loans and leases to deposits | 87.9020% | 1,366 |
| Net loans and leases to core deposits | 97.0577% | 1,577 |
| Total domestic deposits to total assets | 74.2200% | 4,114 |
| Equity capital to assets | 11.5602% | 1,279 |
| Core capital (leverage) ratio | 12.6680% | 1,151 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $69,715,000 | 4,106 |
| Average earning assets | $63,827,000 | 4,093 |
| Average equity | $8,387,500 | 3,954 |
| Average total loans | $47,227,500 | 3,897 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8583% | 766 |
| Cost of funding earning assets | 2.2728% | 570 |
| Net interest margin | 3.5855% | 1,996 |
| Noninterest income to average assets | 0.3700% | 2,675 |
| Noninterest expense to average assets | 2.1349% | 3,310 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.4920% | 1,033 |
| Return on assets (ROA) | 1.4920% | 1,003 |
| Pretax return on assets | 1.4920% | 1,443 |
| Return on Equity (ROE) | 12.7800% | 1,782 |
| Retained earnings to average equity (ytd only) | 3.8759% | 3,004 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 58.8633% | 3,203 |
| Assets per employee ($millions) | 6.8540% | 2,173 |
| Cash dividends to net income (ytd only)* | 69.6618% | 853 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9822% | 384 |
| 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 | 67.6000% | 2,084 |
| Net loans and leases to deposits | 92.7385% | 1,038 |
| Net loans and leases to core deposits | 100.0194% | 1,434 |
| Total domestic deposits to total assets | 72.8900% | 4,174 |
| Equity capital to assets | 12.5182% | 989 |
| Core capital (leverage) ratio | 13.6888% | 867 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $69,371,600 | 4,116 |
| Average earning assets | $63,004,600 | 4,109 |
| Average equity | $8,101,400 | 3,913 |
| Average total loans | $44,791,200 | 3,915 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6799% | 814 |
| Cost of funding earning assets | 2.0850% | 615 |
| Net interest margin | 3.5950% | 2,022 |
| Noninterest income to average assets | 0.3800% | 2,609 |
| Noninterest expense to average assets | 2.1213% | 3,301 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.5311% | 1,063 |
| Return on assets (ROA) | 1.5311% | 1,045 |
| Pretax return on assets | 1.5311% | 1,505 |
| Return on Equity (ROE) | 13.3500% | 1,835 |
| Retained earnings to average equity (ytd only) | 2.9901% | 3,514 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 58.0797% | 3,196 |
| Assets per employee ($millions) | 6.8723% | 2,053 |
| Cash dividends to net income (ytd only)* | 77.5970% | 506 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1549% | 321 |
| 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 | 61.9100% | 2,667 |
| Net loans and leases to deposits | 82.8549% | 1,838 |
| Net loans and leases to core deposits | 88.0414% | 2,048 |
| Total domestic deposits to total assets | 74.7200% | 4,110 |
| Equity capital to assets | 11.5856% | 1,156 |
| Core capital (leverage) ratio | 13.4677% | 953 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $69,579,500 | 4,131 |
| Average earning assets | $63,309,000 | 4,126 |
| Average equity | $7,981,750 | 3,937 |
| Average total loans | $44,171,250 | 3,942 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5114% | 817 |
| Cost of funding earning assets | 1.9780% | 515 |
| Net interest margin | 3.5333% | 2,197 |
| Noninterest income to average assets | 0.4000% | 2,440 |
| Noninterest expense to average assets | 2.1327% | 3,261 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.4743% | 1,157 |
| Return on assets (ROA) | 1.4743% | 1,146 |
| Pretax return on assets | 1.4743% | 1,644 |
| Return on Equity (ROE) | 12.8900% | 1,925 |
| Retained earnings to average equity (ytd only) | -0.1252% | 4,116 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 59.1270% | 3,063 |
| Assets per employee ($millions) | 6.6891% | 2,141 |
| Cash dividends to net income (ytd only)* | 100.9709% | 315 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2531% | 283 |
| 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 | 60.7700% | 2,699 |
| Net loans and leases to deposits | 80.5014% | 1,936 |
| Net loans and leases to core deposits | 85.6132% | 2,098 |
| Total domestic deposits to total assets | 75.4900% | 4,087 |
| Equity capital to assets | 11.9747% | 1,057 |
| Core capital (leverage) ratio | 13.1470% | 981 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $69,865,000 | 4,148 |
| Average earning assets | $63,396,000 | 4,145 |
| Average equity | $7,988,333 | 3,953 |
| Average total loans | $44,400,667 | 3,946 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1214% | 1,063 |
| Cost of funding earning assets | 1.7792% | 472 |
| Net interest margin | 3.3422% | 2,770 |
| Noninterest income to average assets | 0.4600% | 2,027 |
| Noninterest expense to average assets | 1.9957% | 3,636 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.4968% | 1,191 |
| Return on assets (ROA) | 1.4968% | 1,170 |
| Pretax return on assets | 1.4968% | 1,679 |
| Return on Equity (ROE) | 13.3900% | 1,905 |
| Retained earnings to average equity (ytd only) | -7.6214% | 4,421 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 57.1429% | 3,286 |
| Assets per employee ($millions) | 6.3346% | 2,466 |
| Cash dividends to net income (ytd only)* | 156.9288% | 224 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2915% | 290 |
| 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 | 57.3400% | 2,925 |
| Net loans and leases to deposits | 74.6888% | 2,240 |
| Net loans and leases to core deposits | 78.7473% | 2,340 |
| Total domestic deposits to total assets | 76.7700% | 4,102 |
| Equity capital to assets | 11.4651% | 1,167 |
| Core capital (leverage) ratio | 12.4119% | 1,160 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $71,352,000 | 4,190 |
| Average earning assets | $64,747,500 | 4,187 |
| Average equity | $7,977,500 | 4,003 |
| Average total loans | $45,807,500 | 3,964 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9832% | 1,758 |
| Cost of funding earning assets | 1.0979% | 110 |
| Net interest margin | 2.8853% | 3,713 |
| Noninterest income to average assets | 0.3300% | 3,139 |
| Noninterest expense to average assets | 1.9984% | 3,579 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.9746% | 2,657 |
| Return on assets (ROA) | 0.9680% | 2,633 |
| Pretax return on assets | 0.9680% | 3,165 |
| Return on Equity (ROE) | 8.9300% | 3,147 |
| Retained earnings to average equity (ytd only) | -1.9594% | 4,479 |
| Net charge-offs to loans | -0.0702% | 4,430 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 67.2175% | 2,058 |
| Assets per employee ($millions) | 6.6385% | 2,234 |
| Cash dividends to net income (ytd only)* | 121.9479% | 119 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8473% | 602 |
| 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 | 68.1800% | 1,809 |
| Net loans and leases to deposits | 97.0545% | 584 |
| Net loans and leases to core deposits | 102.5521% | 873 |
| Total domestic deposits to total assets | 70.2500% | 4,469 |
| Equity capital to assets | 10.9089% | 1,296 |
| Core capital (leverage) ratio | 12.5815% | 1,064 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $75,311,000 | 4,179 |
| Average earning assets | $69,039,800 | 4,171 |
| Average equity | $8,165,600 | 4,085 |
| Average total loans | $49,880,400 | 3,893 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8623% | 1,575 |
| Cost of funding earning assets | 0.9498% | 78 |
| Net interest margin | 2.9125% | 3,457 |
| Noninterest income to average assets | 0.3400% | 3,099 |
| Noninterest expense to average assets | 1.9292% | 3,677 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.0841% | 2,161 |
| Return on assets (ROA) | 1.0806% | 2,134 |
| Pretax return on assets | 1.0806% | 2,776 |
| Return on Equity (ROE) | 9.9800% | 2,728 |
| Retained earnings to average equity (ytd only) | -2.8076% | 4,528 |
| Net charge-offs to loans | -0.0940% | 4,479 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 64.0233% | 2,551 |
| Assets per employee ($millions) | 7.3868% | 1,685 |
| Cash dividends to net income (ytd only)* | 128.1301% | 112 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9311% | 566 |
| 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 | 64.4200% | 2,048 |
| Net loans and leases to deposits | 88.6141% | 990 |
| Net loans and leases to core deposits | 92.0422% | 1,176 |
| Total domestic deposits to total assets | 72.6900% | 4,494 |
| Equity capital to assets | 10.3874% | 1,424 |
| Core capital (leverage) ratio | 12.0811% | 1,202 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $75,883,000 | 4,201 |
| Average earning assets | $69,629,250 | 4,197 |
| Average equity | $8,215,500 | 4,117 |
| Average total loans | $49,669,500 | 3,916 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4740% | 2,211 |
| Cost of funding earning assets | 0.7096% | 152 |
| Net interest margin | 2.7644% | 3,537 |
| Noninterest income to average assets | 0.3240% | 3,234 |
| Noninterest expense to average assets | 1.9463% | 3,581 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.9222% | 2,479 |
| Return on assets (ROA) | 0.9222% | 2,449 |
| Pretax return on assets | 0.9222% | 2,985 |
| Return on Equity (ROE) | 8.4084% | 2,894 |
| Retained earnings to average equity (ytd only) | -7.9797% | 4,624 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8506% | 2,264 |
| Assets per employee ($millions) | 7.8608% | 1,374 |
| Cash dividends to net income (ytd only)* | 194.9008% | 83 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8997% | 658 |
| 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 | 59.2535% | 2,411 |
| Net loans and leases to deposits | 78.5503% | 1,496 |
| Net loans and leases to core deposits | 81.2922% | 1,637 |
| Total domestic deposits to total assets | 75.4338% | 4,488 |
| Equity capital to assets | 10.1186% | 1,643 |
| Core capital (leverage) ratio | 11.6514% | 1,279 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $76,554,667 | 4,239 |
| Average earning assets | $70,467,000 | 4,242 |
| Average equity | $8,396,333 | 4,160 |
| Average total loans | $50,052,333 | 3,957 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4651% | 1,909 |
| Cost of funding earning assets | 0.7495% | 117 |
| Net interest margin | 2.7156% | 3,371 |
| Noninterest income to average assets | 0.3760% | 2,834 |
| Noninterest expense to average assets | 1.8801% | 3,725 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.9904% | 1,916 |
| Return on assets (ROA) | 0.9904% | 1,912 |
| Pretax return on assets | 0.9904% | 2,463 |
| Return on Equity (ROE) | 8.6800% | 2,446 |
| Retained earnings to average equity (ytd only) | -18.5205% | 4,683 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4982% | 2,832 |
| Assets per employee ($millions) | 6.8491% | 2,103 |
| Cash dividends to net income (ytd only)* | 313.3690% | 95 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8204% | 853 |
| 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 | 64.6416% | 1,540 |
| Net loans and leases to deposits | 90.2974% | 497 |
| Net loans and leases to core deposits | 97.5307% | 593 |
| Total domestic deposits to total assets | 71.5875% | 4,637 |
| Equity capital to assets | 10.7791% | 1,455 |
| Core capital (leverage) ratio | 11.3270% | 1,342 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $75,528,000 | 4,279 |
| Average earning assets | $69,377,500 | 4,275 |
| Average equity | $8,617,500 | 4,194 |
| Average total loans | $51,338,500 | 3,951 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1982% | 997 |
| Cost of funding earning assets | 0.8947% | 119 |
| Net interest margin | 3.3035% | 2,306 |
| Noninterest income to average assets | 0.3592% | 3,286 |
| Noninterest expense to average assets | 2.0773% | 3,448 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.2893% | 1,631 |
| Return on assets (ROA) | 1.2893% | 1,680 |
| Pretax return on assets | 1.2893% | 2,390 |
| Return on Equity (ROE) | 10.2608% | 2,427 |
| Retained earnings to average equity (ytd only) | 1.8062% | 4,040 |
| Net charge-offs to loans | -0.0692% | 4,452 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7039% | 2,910 |
| Assets per employee ($millions) | 7.5716% | 1,571 |
| Cash dividends to net income (ytd only)* | 82.3974% | 459 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7014% | 1,041 |
| 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 | 68.9022% | 1,159 |
| Net loans and leases to deposits | 98.5027% | 233 |
| Net loans and leases to core deposits | 107.7025% | 329 |
| Total domestic deposits to total assets | 69.9495% | 4,687 |
| Equity capital to assets | 12.0371% | 1,238 |
| Core capital (leverage) ratio | 12.3120% | 983 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $71,823,200 | 4,318 |
| Average earning assets | $65,385,400 | 4,319 |
| Average equity | $9,024,600 | 4,241 |
| Average total loans | $47,693,600 | 4,046 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3493% | 887 |
| Cost of funding earning assets | 0.8930% | 157 |
| Net interest margin | 3.4563% | 1,990 |
| Noninterest income to average assets | 0.3538% | 3,334 |
| Noninterest expense to average assets | 2.0230% | 3,602 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.4773% | 1,323 |
| Return on assets (ROA) | 1.4773% | 1,374 |
| Pretax return on assets | 1.4773% | 2,055 |
| Return on Equity (ROE) | 11.6264% | 2,168 |
| Retained earnings to average equity (ytd only) | 1.8069% | 4,243 |
| Net charge-offs to loans | -0.0949% | 4,589 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.7957% | 3,298 |
| Assets per employee ($millions) | 6.7022% | 2,097 |
| Cash dividends to net income (ytd only)* | 84.4586% | 329 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7972% | 934 |
| 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 | 66.9280% | 1,437 |
| Net loans and leases to deposits | 94.6119% | 397 |
| Net loans and leases to core deposits | 103.5965% | 471 |
| Total domestic deposits to total assets | 70.7395% | 4,717 |
| Equity capital to assets | 12.3583% | 1,238 |
| Core capital (leverage) ratio | 12.5821% | 957 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $70,850,000 | 4,385 |
| Average earning assets | $64,499,250 | 4,385 |
| Average equity | $9,002,250 | 4,302 |
| Average total loans | $46,348,750 | 4,127 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5182% | 2,836 |
| Cost of funding earning assets | 0.8733% | 206 |
| Net interest margin | 2.6449% | 4,091 |
| Noninterest income to average assets | 1.3049% | 680 |
| Noninterest expense to average assets | 1.9974% | 3,707 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.7255% | 832 |
| Return on assets (ROA) | 1.7255% | 880 |
| Pretax return on assets | 1.7255% | 1,420 |
| Return on Equity (ROE) | 13.4508% | 1,580 |
| Retained earnings to average equity (ytd only) | 0.9146% | 4,363 |
| Net charge-offs to loans | -0.1465% | 4,723 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.6510% | 3,845 |
| Assets per employee ($millions) | 7.1906% | 1,665 |
| Cash dividends to net income (ytd only)* | 93.2007% | 334 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8754% | 769 |
| 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 | 65.7052% | 1,723 |
| Net loans and leases to deposits | 91.2455% | 582 |
| Net loans and leases to core deposits | 99.9767% | 659 |
| Total domestic deposits to total assets | 72.0093% | 4,708 |
| Equity capital to assets | 12.5567% | 1,106 |
| Core capital (leverage) ratio | 12.5317% | 922 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $69,892,000 | 4,427 |
| Average earning assets | $63,896,667 | 4,419 |
| Average equity | $8,966,000 | 4,329 |
| Average total loans | $45,050,000 | 4,173 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5541% | 186 |
| Cost of funding earning assets | 3.0446% | 2 |
| Net interest margin | 2.5096% | 4,285 |
| Noninterest income to average assets | 1.4169% | 667 |
| Noninterest expense to average assets | 1.9801% | 3,782 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.7246% | 906 |
| Return on assets (ROA) | 1.7246% | 951 |
| Pretax return on assets | 1.7246% | 1,441 |
| Return on Equity (ROE) | 13.2968% | 1,596 |
| Retained earnings to average equity (ytd only) | -7.3423% | 4,757 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.4483% | 3,857 |
| Assets per employee ($millions) | 7.1674% | 1,672 |
| Cash dividends to net income (ytd only)* | 155.2189% | 206 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9370% | 689 |
| 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 | 61.3807% | 2,353 |
| Net loans and leases to deposits | 83.1440% | 1,229 |
| Net loans and leases to core deposits | 90.9117% | 1,175 |
| Total domestic deposits to total assets | 73.8245% | 4,681 |
| Equity capital to assets | 12.2960% | 1,151 |
| Core capital (leverage) ratio | 12.2858% | 1,065 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $68,885,000 | 4,451 |
| Average earning assets | $62,800,000 | 4,447 |
| Average equity | $8,934,500 | 4,344 |
| Average total loans | $43,500,500 | 4,222 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6377% | 1,021 |
| Cost of funding earning assets | 1.2813% | 193 |
| Net interest margin | 3.3565% | 2,911 |
| Noninterest income to average assets | 0.3835% | 3,188 |
| Noninterest expense to average assets | 2.1506% | 3,821 |
| Loan and lease loss provision to assets | 0.0783% | 3,400 |
| Net operating income to assets | 1.2052% | 1,538 |
| Return on assets (ROA) | 1.2052% | 1,646 |
| Pretax return on assets | 1.2052% | 2,306 |
| Return on Equity (ROE) | 8.6273% | 2,541 |
| Retained earnings to average equity (ytd only) | -0.0112% | 4,515 |
| Net charge-offs to loans | 0.1501% | 1,081 |
| Credit loss provision to net charge-offs | 73.5294% | 3,027 |
| Earnings coverage of net charge-offs (x) | 12.0588% | 2,359 |
| Efficiency ratio | 62.6253% | 3,032 |
| Assets per employee ($millions) | 6.6096% | 1,840 |
| Cash dividends to net income (ytd only)* | 100.1299% | 257 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0623% | 523 |
| 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 | 62.4380% | 2,550 |
| Net loans and leases to deposits | 89.7542% | 942 |
| Net loans and leases to core deposits | 99.5393% | 922 |
| Total domestic deposits to total assets | 69.5655% | 4,783 |
| Equity capital to assets | 13.7013% | 874 |
| Core capital (leverage) ratio | 13.3858% | 810 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $63,888,600 | 4,462 |
| Average earning assets | $58,067,200 | 4,467 |
| Average equity | $8,925,200 | 4,328 |
| Average total loans | $45,291,600 | 4,200 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8200% | 855 |
| Cost of funding earning assets | 1.3305% | 213 |
| Net interest margin | 3.4895% | 2,621 |
| Noninterest income to average assets | 0.3852% | 3,158 |
| Noninterest expense to average assets | 2.1493% | 3,820 |
| Loan and lease loss provision to assets | 0.1058% | 2,997 |
| Net operating income to assets | 1.3052% | 1,347 |
| Return on assets (ROA) | 1.3052% | 1,436 |
| Pretax return on assets | 1.3052% | 2,027 |
| Return on Equity (ROE) | 9.2960% | 2,283 |
| Retained earnings to average equity (ytd only) | -0.7647% | 4,589 |
| Net charge-offs to loans | 0.1968% | 776 |
| Credit loss provision to net charge-offs | 73.5294% | 2,793 |
| Earnings coverage of net charge-offs (x) | 9.8529% | 2,398 |
| Efficiency ratio | 60.3785% | 3,336 |
| Assets per employee ($millions) | 6.4407% | 1,879 |
| Cash dividends to net income (ytd only)* | 108.2258% | 240 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8850% | 606 |
| 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 | 70.2268% | 1,912 |
| Net loans and leases to deposits | 103.1964% | 408 |
| Net loans and leases to core deposits | 115.0594% | 522 |
| Total domestic deposits to total assets | 68.0516% | 4,809 |
| Equity capital to assets | 13.9628% | 868 |
| Core capital (leverage) ratio | 13.9432% | 718 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $63,336,750 | 4,479 |
| Average earning assets | $57,619,500 | 4,489 |
| Average equity | $8,892,500 | 4,343 |
| Average total loans | $46,080,000 | 4,206 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0363% | 777 |
| Cost of funding earning assets | 1.4180% | 215 |
| Net interest margin | 3.6183% | 2,422 |
| Noninterest income to average assets | 0.4001% | 3,076 |
| Noninterest expense to average assets | 2.1118% | 4,000 |
| Loan and lease loss provision to assets | 0.1588% | 2,410 |
| Net operating income to assets | 1.4195% | 1,069 |
| Return on assets (ROA) | 1.4195% | 1,159 |
| Pretax return on assets | 1.4195% | 1,676 |
| Return on Equity (ROE) | 10.0914% | 1,952 |
| Retained earnings to average equity (ytd only) | -2.7768% | 4,640 |
| Net charge-offs to loans | 0.2952% | 538 |
| Credit loss provision to net charge-offs | 73.5294% | 2,534 |
| Earnings coverage of net charge-offs (x) | 7.3088% | 2,374 |
| Efficiency ratio | 57.2289% | 3,782 |
| Assets per employee ($millions) | 6.3999% | 1,862 |
| Cash dividends to net income (ytd only)* | 127.5168% | 290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9586% | 470 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 67.9682% | 2,360 |
| Net loans and leases to deposits | 95.3089% | 852 |
| Net loans and leases to core deposits | 105.7752% | 899 |
| Total domestic deposits to total assets | 71.3136% | 4,742 |
| Equity capital to assets | 13.9158% | 874 |
| Core capital (leverage) ratio | 13.9130% | 773 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $62,980,000 | 4,496 |
| Average earning assets | $57,264,000 | 4,507 |
| Average equity | $8,859,000 | 4,353 |
| Average total loans | $46,073,333 | 4,214 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3105% | 544 |
| Cost of funding earning assets | 1.5677% | 213 |
| Net interest margin | 3.7428% | 2,170 |
| Noninterest income to average assets | 0.3522% | 3,414 |
| Noninterest expense to average assets | 1.9657% | 4,460 |
| Loan and lease loss provision to assets | 0.1601% | 1,807 |
| Net operating income to assets | 1.6200% | 600 |
| Return on assets (ROA) | 1.6200% | 662 |
| Pretax return on assets | 1.6200% | 1,008 |
| Return on Equity (ROE) | 11.4538% | 1,277 |
| Retained earnings to average equity (ytd only) | -9.8240% | 4,759 |
| Net charge-offs to loans | 0.5796% | 252 |
| Credit loss provision to net charge-offs | 36.7647% | 2,114 |
| Earnings coverage of net charge-offs (x) | 4.0882% | 2,160 |
| Efficiency ratio | 52.4786% | 4,518 |
| Assets per employee ($millions) | 7.5998% | 862 |
| Cash dividends to net income (ytd only)* | 185.7708% | 348 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8056% | 700 |
| Loan loss allowance to noncurrent loans | 104.8447% | 3,166 |
| Noncurrent assets plus other real estate owned to assets | 1.3241% | 875 |
| Noncurrent loans to loans | 1.7222% | 877 |
| Net loans and leases to total assets | 75.4943% | 1,388 |
| Net loans and leases to deposits | 107.6683% | 243 |
| Net loans and leases to core deposits | 120.4161% | 453 |
| Total domestic deposits to total assets | 70.1174% | 4,850 |
| Equity capital to assets | 14.2982% | 964 |
| Core capital (leverage) ratio | 13.9734% | 923 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $62,470,500 | 4,521 |
| Average earning assets | $56,642,000 | 4,533 |
| Average equity | $8,835,500 | 4,385 |
| Average total loans | $46,926,000 | 4,209 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6707% | 423 |
| Cost of funding earning assets | 1.7835% | 146 |
| Net interest margin | 3.8872% | 2,224 |
| Noninterest income to average assets | 0.3560% | 3,570 |
| Noninterest expense to average assets | 1.9650% | 4,589 |
| Loan and lease loss provision to assets | 0.1528% | 1,381 |
| Net operating income to assets | 1.7817% | 539 |
| Return on assets (ROA) | 1.7817% | 577 |
| Pretax return on assets | 1.7817% | 986 |
| Return on Equity (ROE) | 13.4682% | 1,026 |
| Retained earnings to average equity (ytd only) | 4.5741% | 2,666 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.3918% | 4,713 |
| Assets per employee ($millions) | 8.0179% | 710 |
| Cash dividends to net income (ytd only)* | 66.0377% | 1,288 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8807% | 578 |
| Loan loss allowance to noncurrent loans | 922.9167% | 611 |
| Noncurrent assets plus other real estate owned to assets | 0.1497% | 3,882 |
| Noncurrent loans to loans | 0.2038% | 3,728 |
| Net loans and leases to total assets | 72.0624% | 2,083 |
| Net loans and leases to deposits | 107.4379% | 242 |
| Net loans and leases to core deposits | 120.0161% | 479 |
| Total domestic deposits to total assets | 67.0736% | 5,009 |
| Equity capital to assets | 13.9969% | 1,102 |
| Core capital (leverage) ratio | 13.4222% | 1,077 |
| Tier 1 risk-based capital ratio | 17.1522% | 2,006 |
| Total risk-based capital ratio | 18.4074% | 1,941 |
| Memoranda: | ||
| Average total assets | $65,444,600 | 4,507 |
| Average earning assets | $59,657,200 | 4,521 |
| Average equity | $8,657,400 | 4,425 |
| Average total loans | $49,162,600 | 4,200 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6315% | 466 |
| Cost of funding earning assets | 1.7457% | 172 |
| Net interest margin | 3.8858% | 2,309 |
| Noninterest income to average assets | 0.3183% | 3,842 |
| Noninterest expense to average assets | 1.9765% | 4,599 |
| Loan and lease loss provision to assets | 0.1520% | 1,239 |
| Net operating income to assets | 1.7454% | 683 |
| Return on assets (ROA) | 1.7454% | 718 |
| Pretax return on assets | 1.7454% | 1,211 |
| Return on Equity (ROE) | 13.3839% | 1,147 |
| Retained earnings to average equity (ytd only) | 2.9845% | 3,890 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.0204% | 4,672 |
| Assets per employee ($millions) | 8.1765% | 648 |
| Cash dividends to net income (ytd only)* | 77.7006% | 727 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7423% | 752 |
| Loan loss allowance to noncurrent loans | 638.5185% | 807 |
| Noncurrent assets plus other real estate owned to assets | 0.2064% | 3,744 |
| Noncurrent loans to loans | 0.2729% | 3,564 |
| Net loans and leases to total assets | 74.3197% | 1,750 |
| Net loans and leases to deposits | 109.6441% | 230 |
| Net loans and leases to core deposits | 135.6720% | 233 |
| Total domestic deposits to total assets | 67.7827% | 5,065 |
| Equity capital to assets | 13.4119% | 1,396 |
| Core capital (leverage) ratio | 13.3209% | 1,204 |
| Tier 1 risk-based capital ratio | 16.3425% | 2,317 |
| Total risk-based capital ratio | 17.5962% | 2,250 |
| Memoranda: | ||
| Average total assets | $65,770,000 | 4,560 |
| Average earning assets | $60,184,250 | 4,566 |
| Average equity | $8,577,250 | 4,485 |
| Average total loans | $49,676,000 | 4,240 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5388% | 531 |
| Cost of funding earning assets | 1.6752% | 198 |
| Net interest margin | 3.8636% | 2,357 |
| Noninterest income to average assets | 0.2975% | 3,950 |
| Noninterest expense to average assets | 1.8910% | 4,765 |
| Loan and lease loss provision to assets | 0.1518% | 1,205 |
| Net operating income to assets | 1.7970% | 602 |
| Return on assets (ROA) | 1.7970% | 627 |
| Pretax return on assets | 1.7970% | 1,040 |
| Return on Equity (ROE) | 13.9098% | 1,003 |
| Retained earnings to average equity (ytd only) | 0.5404% | 4,559 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.2490% | 4,825 |
| Assets per employee ($millions) | 8.3320% | 595 |
| Cash dividends to net income (ytd only)* | 96.1149% | 494 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6581% | 900 |
| Loan loss allowance to noncurrent loans | 513.4969% | 999 |
| Noncurrent assets plus other real estate owned to assets | 0.2445% | 3,594 |
| Noncurrent loans to loans | 0.3229% | 3,376 |
| Net loans and leases to total assets | 74.4749% | 1,808 |
| Net loans and leases to deposits | 107.1418% | 299 |
| Net loans and leases to core deposits | 131.2239% | 302 |
| Total domestic deposits to total assets | 69.5106% | 5,065 |
| Equity capital to assets | 12.8991% | 1,638 |
| Core capital (leverage) ratio | 13.4405% | 1,137 |
| Tier 1 risk-based capital ratio | 15.6197% | 2,578 |
| Total risk-based capital ratio | 16.8732% | 2,506 |
| Memoranda: | ||
| Average total assets | $65,889,330 | 4,589 |
| Average earning assets | $60,409,670 | 4,597 |
| Average equity | $8,512,000 | 4,515 |
| Average total loans | $49,742,670 | 4,261 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9418% | 241 |
| Cost of funding earning assets | 2.0186% | 52 |
| Net interest margin | 3.9232% | 2,119 |
| Noninterest income to average assets | 0.2809% | 4,004 |
| Noninterest expense to average assets | 1.8930% | 4,808 |
| Loan and lease loss provision to assets | 0.1527% | 1,100 |
| Net operating income to assets | 1.8075% | 574 |
| Return on assets (ROA) | 1.8075% | 591 |
| Pretax return on assets | 1.8075% | 970 |
| Return on Equity (ROE) | 13.9804% | 977 |
| Retained earnings to average equity (ytd only) | -8.1237% | 5,034 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.1284% | 4,885 |
| Assets per employee ($millions) | 8.1004% | 651 |
| Cash dividends to net income (ytd only)* | 158.1081% | 299 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6670% | 927 |
| 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 | 73.9132% | 1,826 |
| Net loans and leases to deposits | 105.3375% | 343 |
| Net loans and leases to core deposits | 116.9071% | 619 |
| Total domestic deposits to total assets | 70.1680% | 5,107 |
| Equity capital to assets | 12.9423% | 1,487 |
| Core capital (leverage) ratio | 13.0123% | 1,271 |
| Tier 1 risk-based capital ratio | 15.8891% | 2,491 |
| Total risk-based capital ratio | 17.1431% | 2,422 |
| Memoranda: | ||
| Average total assets | $65,506,000 | 4,645 |
| Average earning assets | $59,645,500 | 4,658 |
| Average equity | $8,469,000 | 4,544 |
| Average total loans | $49,374,500 | 4,316 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4955% | 403 |
| Cost of funding earning assets | 1.6146% | 56 |
| Net interest margin | 3.8809% | 2,392 |
| Noninterest income to average assets | 0.3586% | 3,692 |
| Noninterest expense to average assets | 1.9273% | 4,855 |
| Loan and lease loss provision to assets | 0.1580% | 1,305 |
| Net operating income to assets | 1.7820% | 575 |
| Return on assets (ROA) | 1.7741% | 587 |
| Pretax return on assets | 1.7741% | 987 |
| Return on Equity (ROE) | 13.6280% | 1,145 |
| Retained earnings to average equity (ytd only) | 5.0119% | 2,761 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.8366% | 4,950 |
| Assets per employee ($millions) | 7.3566% | 850 |
| Cash dividends to net income (ytd only)* | 63.2235% | 1,354 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5728% | 1,086 |
| Loan loss allowance to noncurrent loans | 26,233.3333% | 41 |
| Noncurrent assets plus other real estate owned to assets | 0.0045% | 4,901 |
| Noncurrent loans to loans | 0.0060% | 4,795 |
| Net loans and leases to total assets | 74.3887% | 1,867 |
| Net loans and leases to deposits | 110.6190% | 235 |
| Net loans and leases to core deposits | 121.5379% | 509 |
| Total domestic deposits to total assets | 67.2477% | 5,225 |
| Equity capital to assets | 12.9152% | 1,388 |
| Core capital (leverage) ratio | 13.4077% | 1,105 |
| Tier 1 risk-based capital ratio | 15.6945% | 2,533 |
| Total risk-based capital ratio | 16.9463% | 2,458 |
| Memoranda: | ||
| Average total assets | $63,300,600 | 4,697 |
| Average earning assets | $57,228,400 | 4,726 |
| Average equity | $8,240,400 | 4,572 |
| Average total loans | $47,837,600 | 4,358 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4759% | 385 |
| Cost of funding earning assets | 1.5799% | 49 |
| Net interest margin | 3.8960% | 2,320 |
| Noninterest income to average assets | 0.3367% | 3,908 |
| Noninterest expense to average assets | 1.8623% | 4,960 |
| Loan and lease loss provision to assets | 0.1598% | 1,208 |
| Net operating income to assets | 1.8559% | 544 |
| Return on assets (ROA) | 1.8453% | 556 |
| Pretax return on assets | 1.8453% | 916 |
| Return on Equity (ROE) | 14.1452% | 1,081 |
| Retained earnings to average equity (ytd only) | 4.1814% | 3,683 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.0220% | 5,050 |
| Assets per employee ($millions) | 6.9243% | 964 |
| Cash dividends to net income (ytd only)* | 70.4384% | 838 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5991% | 1,086 |
| 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 | 75.2403% | 1,775 |
| Net loans and leases to deposits | 108.9353% | 321 |
| Net loans and leases to core deposits | 114.2436% | 803 |
| Total domestic deposits to total assets | 69.0688% | 5,258 |
| Equity capital to assets | 13.4437% | 1,157 |
| Core capital (leverage) ratio | 12.7647% | 1,384 |
| Tier 1 risk-based capital ratio | 16.2025% | 2,374 |
| Total risk-based capital ratio | 17.4557% | 2,320 |
| Memoranda: | ||
| Average total assets | $62,573,500 | 4,756 |
| Average earning assets | $56,878,000 | 4,783 |
| Average equity | $8,162,750 | 4,626 |
| Average total loans | $47,287,250 | 4,412 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3947% | 393 |
| Cost of funding earning assets | 1.4687% | 57 |
| Net interest margin | 3.9259% | 2,121 |
| Noninterest income to average assets | 0.2777% | 4,331 |
| Noninterest expense to average assets | 1.8545% | 5,028 |
| Loan and lease loss provision to assets | 0.2394% | 658 |
| Net operating income to assets | 1.7587% | 636 |
| Return on assets (ROA) | 1.7524% | 653 |
| Pretax return on assets | 1.7524% | 1,091 |
| Return on Equity (ROE) | 13.5706% | 1,188 |
| Retained earnings to average equity (ytd only) | 0.9640% | 4,767 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.1359% | 5,112 |
| Assets per employee ($millions) | 6.8596% | 986 |
| Cash dividends to net income (ytd only)* | 92.8962% | 479 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5845% | 1,152 |
| 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 | 76.6635% | 1,540 |
| Net loans and leases to deposits | 111.3912% | 245 |
| Net loans and leases to core deposits | 111.3912% | 914 |
| Total domestic deposits to total assets | 68.8237% | 5,315 |
| Equity capital to assets | 13.2241% | 1,216 |
| Core capital (leverage) ratio | 13.8957% | 932 |
| Tier 1 risk-based capital ratio | 15.8000% | 2,514 |
| Total risk-based capital ratio | 17.0521% | 2,454 |
| Memoranda: | ||
| Average total assets | $62,658,330 | 4,814 |
| Average earning assets | $57,056,330 | 4,838 |
| Average equity | $8,091,000 | 4,679 |
| Average total loans | $47,166,000 | 4,459 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2414% | 453 |
| Cost of funding earning assets | 1.3912% | 60 |
| Net interest margin | 3.8503% | 2,226 |
| Noninterest income to average assets | 0.2028% | 4,815 |
| Noninterest expense to average assets | 1.7744% | 5,178 |
| Loan and lease loss provision to assets | 0.3169% | 403 |
| Net operating income to assets | 1.5843% | 886 |
| Return on assets (ROA) | 1.5843% | 892 |
| Pretax return on assets | 1.5843% | 1,436 |
| Return on Equity (ROE) | 12.4154% | 1,432 |
| Retained earnings to average equity (ytd only) | -8.3432% | 5,317 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.2759% | 5,182 |
| Assets per employee ($millions) | 7.2439% | 867 |
| Cash dividends to net income (ytd only)* | 167.2000% | 257 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5869% | 1,189 |
| 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 | 70.1051% | 2,468 |
| Net loans and leases to deposits | 99.9519% | 710 |
| Net loans and leases to core deposits | 99.9519% | 1,691 |
| Total domestic deposits to total assets | 70.1388% | 5,357 |
| Equity capital to assets | 12.2157% | 1,653 |
| Core capital (leverage) ratio | 13.7569% | 931 |
| Tier 1 risk-based capital ratio | 15.6316% | 2,617 |
| Total risk-based capital ratio | 16.8839% | 2,557 |
| Memoranda: | ||
| Average total assets | $63,119,500 | 4,868 |
| Average earning assets | $56,931,000 | 4,894 |
| Average equity | $8,054,500 | 4,733 |
| Average total loans | $46,703,500 | 4,515 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2488% | 401 |
| Cost of funding earning assets | 1.4913% | 25 |
| Net interest margin | 3.7576% | 2,571 |
| Noninterest income to average assets | 0.2970% | 4,321 |
| Noninterest expense to average assets | 1.9462% | 5,055 |
| Loan and lease loss provision to assets | 0.1217% | 1,878 |
| Net operating income to assets | 1.6281% | 616 |
| Return on assets (ROA) | 1.6281% | 635 |
| Pretax return on assets | 1.6606% | 1,121 |
| Return on Equity (ROE) | 12.7508% | 1,011 |
| Retained earnings to average equity (ytd only) | 5.0088% | 2,122 |
| Net charge-offs to loans | -0.0022% | 4,541 |
| Credit loss provision to net charge-offs | -7,500.0000% | 5,256 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.1985% | 5,091 |
| Assets per employee ($millions) | 6.7827% | 1,063 |
| Cash dividends to net income (ytd only)* | 60.7178% | 1,716 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4628% | 1,534 |
| 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 | 75.8109% | 1,633 |
| Net loans and leases to deposits | 111.4005% | 235 |
| Net loans and leases to core deposits | 111.4005% | 929 |
| Total domestic deposits to total assets | 68.0526% | 5,472 |
| Equity capital to assets | 13.3428% | 1,115 |
| Core capital (leverage) ratio | 14.3045% | 770 |
| Tier 1 risk-based capital ratio | 16.0600% | 2,414 |
| Total risk-based capital ratio | 17.3121% | 2,350 |
| Memoranda: | ||
| Average total assets | $61,606,000 | 4,933 |
| Average earning assets | $56,260,000 | 4,945 |
| Average equity | $7,866,200 | 4,805 |
| Average total loans | $44,881,400 | 4,592 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0930% | 510 |
| Cost of funding earning assets | 1.3234% | 41 |
| Net interest margin | 3.7696% | 2,506 |
| Noninterest income to average assets | 0.2721% | 4,558 |
| Noninterest expense to average assets | 2.0535% | 4,841 |
| Loan and lease loss provision to assets | 0.1620% | 1,263 |
| Net operating income to assets | 1.4769% | 941 |
| Return on assets (ROA) | 1.4748% | 967 |
| Pretax return on assets | 1.5050% | 1,753 |
| Return on Equity (ROE) | 11.6801% | 1,432 |
| Retained earnings to average equity (ytd only) | 2.8388% | 4,211 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.1624% | 4,833 |
| Assets per employee ($millions) | 6.9218% | 981 |
| Cash dividends to net income (ytd only)* | 75.6962% | 767 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4633% | 1,667 |
| 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 | 74.1540% | 1,885 |
| Net loans and leases to deposits | 109.7633% | 283 |
| Net loans and leases to core deposits | 109.7633% | 1,043 |
| Total domestic deposits to total assets | 67.5581% | 5,552 |
| Equity capital to assets | 12.7376% | 1,521 |
| Core capital (leverage) ratio | 13.8954% | 918 |
| Tier 1 risk-based capital ratio | 15.6098% | 2,667 |
| Total risk-based capital ratio | 16.8615% | 2,610 |
| Memoranda: | ||
| Average total assets | $61,746,500 | 4,983 |
| Average earning assets | $56,521,000 | 4,995 |
| Average equity | $7,796,500 | 4,865 |
| Average total loans | $44,360,500 | 4,652 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3903% | 282 |
| Cost of funding earning assets | 1.2344% | 52 |
| Net interest margin | 4.1559% | 1,186 |
| Noninterest income to average assets | 0.2826% | 4,534 |
| Noninterest expense to average assets | 2.1929% | 4,571 |
| Loan and lease loss provision to assets | 0.2437% | 693 |
| Net operating income to assets | 1.6340% | 644 |
| Return on assets (ROA) | 1.6308% | 673 |
| Pretax return on assets | 1.6601% | 1,161 |
| Return on Equity (ROE) | 12.9543% | 1,047 |
| Retained earnings to average equity (ytd only) | 1.9612% | 4,469 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.4865% | 5,058 |
| Assets per employee ($millions) | 6.9631% | 952 |
| Cash dividends to net income (ytd only)* | 84.8606% | 733 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4622% | 1,716 |
| 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 | 73.7697% | 1,916 |
| Net loans and leases to deposits | 107.3369% | 345 |
| Net loans and leases to core deposits | 107.3369% | 1,140 |
| Total domestic deposits to total assets | 68.7273% | 5,579 |
| Equity capital to assets | 12.4880% | 1,630 |
| Core capital (leverage) ratio | 12.2869% | 1,485 |
| Tier 1 risk-based capital ratio | 15.6106% | 2,662 |
| Total risk-based capital ratio | 16.8627% | 2,594 |
| Memoranda: | ||
| Average total assets | $61,563,330 | 5,029 |
| Average earning assets | $56,545,670 | 5,032 |
| Average equity | $7,750,330 | 4,895 |
| Average total loans | $43,520,330 | 4,701 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2782% | 331 |
| Cost of funding earning assets | 1.1817% | 62 |
| Net interest margin | 4.0965% | 1,221 |
| Noninterest income to average assets | 0.2950% | 4,436 |
| Noninterest expense to average assets | 2.1898% | 4,673 |
| Loan and lease loss provision to assets | 0.3278% | 378 |
| Net operating income to assets | 1.4948% | 815 |
| Return on assets (ROA) | 1.4948% | 841 |
| Pretax return on assets | 1.5276% | 1,449 |
| Return on Equity (ROE) | 11.8250% | 1,294 |
| Retained earnings to average equity (ytd only) | -5.4976% | 5,418 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.1329% | 5,116 |
| Assets per employee ($millions) | 6.9940% | 958 |
| Cash dividends to net income (ytd only)* | 146.4912% | 398 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5095% | 1,664 |
| 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 | 68.6207% | 2,582 |
| Net loans and leases to deposits | 95.9440% | 938 |
| Net loans and leases to core deposits | 95.9440% | 1,824 |
| Total domestic deposits to total assets | 71.5216% | 5,566 |
| Equity capital to assets | 12.1739% | 1,723 |
| Core capital (leverage) ratio | 12.4029% | 1,388 |
| Tier 1 risk-based capital ratio | 16.2068% | 2,472 |
| Total risk-based capital ratio | 17.4592% | 2,411 |
| Memoranda: | ||
| Average total assets | $61,011,000 | 5,094 |
| Average earning assets | $55,852,500 | 5,107 |
| Average equity | $7,712,500 | 4,943 |
| Average total loans | $41,822,500 | 4,793 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6591% | 1,147 |
| Cost of funding earning assets | 0.9207% | 268 |
| Net interest margin | 3.7384% | 2,544 |
| Noninterest income to average assets | 0.3312% | 4,368 |
| Noninterest expense to average assets | 1.9834% | 5,224 |
| Loan and lease loss provision to assets | 0.0876% | 2,612 |
| Net operating income to assets | 1.6561% | 602 |
| Return on assets (ROA) | 1.6733% | 607 |
| Pretax return on assets | 1.7066% | 985 |
| Return on Equity (ROE) | 12.6988% | 1,069 |
| Retained earnings to average equity (ytd only) | 4.8269% | 2,456 |
| Net charge-offs to loans | 0.0026% | 4,179 |
| Credit loss provision to net charge-offs | 5,000.0000% | 88 |
| Earnings coverage of net charge-offs (x) | 1,014.0000% | 76 |
| Efficiency ratio | 52.7493% | 5,329 |
| Assets per employee ($millions) | 6.5640% | 1,117 |
| Cash dividends to net income (ytd only)* | 61.9895% | 1,669 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5381% | 1,542 |
| 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 | 66.3163% | 3,025 |
| Net loans and leases to deposits | 94.8136% | 1,111 |
| Net loans and leases to core deposits | 94.8136% | 2,026 |
| Total domestic deposits to total assets | 69.9438% | 5,666 |
| Equity capital to assets | 13.1390% | 1,201 |
| Core capital (leverage) ratio | 13.1683% | 1,073 |
| Tier 1 risk-based capital ratio | 17.7210% | 1,937 |
| Total risk-based capital ratio | 18.9734% | 1,901 |
| Memoranda: | ||
| Average total assets | $57,073,600 | 5,211 |
| Average earning assets | $52,349,200 | 5,200 |
| Average equity | $7,520,400 | 5,004 |
| Average total loans | $39,022,200 | 4,909 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6675% | 1,144 |
| Cost of funding earning assets | 0.9054% | 284 |
| Net interest margin | 3.7621% | 2,483 |
| Noninterest income to average assets | 0.3370% | 4,371 |
| Noninterest expense to average assets | 2.0033% | 5,196 |
| Loan and lease loss provision to assets | 0.1178% | 1,965 |
| Net operating income to assets | 1.6479% | 661 |
| Return on assets (ROA) | 1.6710% | 672 |
| Pretax return on assets | 1.7063% | 1,101 |
| Return on Equity (ROE) | 12.6717% | 1,131 |
| Retained earnings to average equity (ytd only) | 3.7176% | 3,661 |
| Net charge-offs to loans | 0.0034% | 3,809 |
| Credit loss provision to net charge-offs | 5,000.0000% | 105 |
| Earnings coverage of net charge-offs (x) | 765.8947% | 115 |
| Efficiency ratio | 52.6642% | 5,337 |
| Assets per employee ($millions) | 6.5129% | 1,095 |
| Cash dividends to net income (ytd only)* | 70.6625% | 1,017 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4767% | 1,853 |
| 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 | 69.6619% | 2,539 |
| Net loans and leases to deposits | 100.9244% | 643 |
| Net loans and leases to core deposits | 100.9244% | 1,557 |
| Total domestic deposits to total assets | 69.0238% | 5,737 |
| Equity capital to assets | 13.0408% | 1,471 |
| Core capital (leverage) ratio | 13.3170% | 1,063 |
| Tier 1 risk-based capital ratio | 16.8769% | 2,269 |
| Total risk-based capital ratio | 18.1271% | 2,224 |
| Memoranda: | ||
| Average total assets | $56,573,000 | 5,266 |
| Average earning assets | $52,132,500 | 5,256 |
| Average equity | $7,460,000 | 5,065 |
| Average total loans | $38,830,500 | 4,960 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6595% | 1,147 |
| Cost of funding earning assets | 0.8953% | 300 |
| Net interest margin | 3.7642% | 2,458 |
| Noninterest income to average assets | 0.3077% | 4,582 |
| Noninterest expense to average assets | 1.9824% | 5,306 |
| Loan and lease loss provision to assets | 0.0895% | 2,355 |
| Net operating income to assets | 1.6611% | 627 |
| Return on assets (ROA) | 1.6961% | 618 |
| Pretax return on assets | 1.7319% | 1,023 |
| Return on Equity (ROE) | 12.8131% | 1,077 |
| Retained earnings to average equity (ytd only) | 1.7571% | 4,682 |
| Net charge-offs to loans | 0.0053% | 3,517 |
| Credit loss provision to net charge-offs | 2,500.0000% | 174 |
| Earnings coverage of net charge-offs (x) | 499.0000% | 136 |
| Efficiency ratio | 52.6116% | 5,414 |
| Assets per employee ($millions) | 6.0103% | 1,389 |
| Cash dividends to net income (ytd only)* | 86.2869% | 759 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4782% | 1,951 |
| 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 | 72.3273% | 2,117 |
| Net loans and leases to deposits | 105.1240% | 401 |
| Net loans and leases to core deposits | 105.1240% | 1,244 |
| Total domestic deposits to total assets | 68.8019% | 5,818 |
| Equity capital to assets | 13.8669% | 1,070 |
| Core capital (leverage) ratio | 13.6211% | 942 |
| Tier 1 risk-based capital ratio | 17.5067% | 2,062 |
| Total risk-based capital ratio | 18.7581% | 2,031 |
| Memoranda: | ||
| Average total assets | $55,892,000 | 5,335 |
| Average earning assets | $51,379,330 | 5,329 |
| Average equity | $7,398,670 | 5,125 |
| Average total loans | $37,959,000 | 5,042 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5405% | 1,397 |
| Cost of funding earning assets | 0.8711% | 336 |
| Net interest margin | 3.6694% | 2,805 |
| Noninterest income to average assets | 0.2958% | 4,608 |
| Noninterest expense to average assets | 1.9651% | 5,407 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.6490% | 637 |
| Return on assets (ROA) | 1.6904% | 625 |
| Pretax return on assets | 1.7256% | 1,006 |
| Return on Equity (ROE) | 13.0657% | 1,028 |
| Retained earnings to average equity (ytd only) | -4.1919% | 5,561 |
| Net charge-offs to loans | 0.0108% | 2,759 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 239.0000% | 259 |
| Efficiency ratio | 53.8610% | 5,396 |
| Assets per employee ($millions) | 6.1549% | 1,297 |
| Cash dividends to net income (ytd only)* | 132.0833% | 465 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4610% | 2,153 |
| 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 | 68.4262% | 2,594 |
| Net loans and leases to deposits | 96.9883% | 850 |
| Net loans and leases to core deposits | 96.9883% | 1,709 |
| Total domestic deposits to total assets | 70.5510% | 5,845 |
| Equity capital to assets | 13.2307% | 1,303 |
| Core capital (leverage) ratio | 13.1849% | 1,090 |
| Tier 1 risk-based capital ratio | 17.6759% | 2,079 |
| Total risk-based capital ratio | 18.9252% | 2,043 |
| Memoranda: | ||
| Average total assets | $56,791,500 | 5,372 |
| Average earning assets | $51,888,000 | 5,365 |
| Average equity | $7,347,500 | 5,165 |
| Average total loans | $37,083,000 | 5,108 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1940% | 2,582 |
| Cost of funding earning assets | 0.7942% | 502 |
| Net interest margin | 3.3998% | 3,915 |
| Noninterest income to average assets | 0.2315% | 5,208 |
| Noninterest expense to average assets | 1.7387% | 5,814 |
| Loan and lease loss provision to assets | 0.1249% | 1,930 |
| Net operating income to assets | 1.5057% | 858 |
| Return on assets (ROA) | 1.5138% | 872 |
| Pretax return on assets | 1.5488% | 1,414 |
| Return on Equity (ROE) | 12.7683% | 1,103 |
| Retained earnings to average equity (ytd only) | 4.6775% | 2,658 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.0763% | 5,700 |
| Assets per employee ($millions) | 6.4654% | 1,113 |
| Cash dividends to net income (ytd only)* | 63.3663% | 1,570 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5770% | 1,691 |
| 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 | 60.3843% | 3,783 |
| Net loans and leases to deposits | 82.6986% | 2,512 |
| Net loans and leases to core deposits | 82.6986% | 3,078 |
| Total domestic deposits to total assets | 73.0172% | 5,723 |
| Equity capital to assets | 12.6587% | 1,528 |
| Core capital (leverage) ratio | 12.6465% | 1,286 |
| Tier 1 risk-based capital ratio | 18.4965% | 1,829 |
| Total risk-based capital ratio | 19.7477% | 1,776 |
| Memoranda: | ||
| Average total assets | $60,046,400 | 5,316 |
| Average earning assets | $56,032,600 | 5,293 |
| Average equity | $7,119,200 | 5,220 |
| Average total loans | $38,160,000 | 5,082 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1464% | 2,768 |
| Cost of funding earning assets | 0.7732% | 585 |
| Net interest margin | 3.3732% | 4,065 |
| Noninterest income to average assets | 0.1983% | 5,458 |
| Noninterest expense to average assets | 1.6900% | 5,909 |
| Loan and lease loss provision to assets | 0.1102% | 2,043 |
| Net operating income to assets | 1.5490% | 853 |
| Return on assets (ROA) | 1.5512% | 886 |
| Pretax return on assets | 1.5820% | 1,437 |
| Return on Equity (ROE) | 13.2999% | 1,060 |
| Retained earnings to average equity (ytd only) | 4.1563% | 3,506 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.0000% | 5,777 |
| Assets per employee ($millions) | 6.8042% | 943 |
| Cash dividends to net income (ytd only)* | 68.7505% | 1,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4382% | 2,417 |
| 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 | 60.2077% | 3,856 |
| Net loans and leases to deposits | 83.1342% | 2,515 |
| Net loans and leases to core deposits | 83.1342% | 3,136 |
| Total domestic deposits to total assets | 72.4224% | 5,835 |
| Equity capital to assets | 11.8717% | 2,196 |
| Core capital (leverage) ratio | 11.6544% | 1,919 |
| Tier 1 risk-based capital ratio | 17.3060% | 2,254 |
| Total risk-based capital ratio | 18.5569% | 2,208 |
| Memoranda: | ||
| Average total assets | $60,510,750 | 5,377 |
| Average earning assets | $57,076,250 | 5,336 |
| Average equity | $7,057,500 | 5,301 |
| Average total loans | $38,775,000 | 5,111 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0187% | 3,209 |
| Cost of funding earning assets | 0.7631% | 601 |
| Net interest margin | 3.2556% | 4,472 |
| Noninterest income to average assets | 0.2356% | 5,272 |
| Noninterest expense to average assets | 1.7057% | 5,964 |
| Loan and lease loss provision to assets | 0.1659% | 1,268 |
| Net operating income to assets | 1.4169% | 1,054 |
| Return on assets (ROA) | 1.4137% | 1,096 |
| Pretax return on assets | 1.4469% | 1,811 |
| Return on Equity (ROE) | 12.1947% | 1,316 |
| Retained earnings to average equity (ytd only) | 0.9733% | 5,178 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.3487% | 5,763 |
| Assets per employee ($millions) | 6.9560% | 844 |
| Cash dividends to net income (ytd only)* | 92.0188% | 670 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3132% | 3,175 |
| 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 | 64.5821% | 3,183 |
| Net loans and leases to deposits | 91.5827% | 1,413 |
| Net loans and leases to core deposits | 91.5827% | 2,192 |
| Total domestic deposits to total assets | 70.5179% | 6,013 |
| Equity capital to assets | 11.2437% | 2,625 |
| Core capital (leverage) ratio | 11.4711% | 2,016 |
| Tier 1 risk-based capital ratio | 13.4996% | 4,227 |
| Total risk-based capital ratio | 14.5237% | 4,296 |
| Memoranda: | ||
| Average total assets | $60,268,330 | 5,441 |
| Average earning assets | $57,133,000 | 5,393 |
| Average equity | $6,986,670 | 5,361 |
| Average total loans | $39,230,670 | 5,136 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0051% | 3,215 |
| Cost of funding earning assets | 0.7794% | 568 |
| Net interest margin | 3.2257% | 4,500 |
| Noninterest income to average assets | 0.2775% | 4,951 |
| Noninterest expense to average assets | 1.8071% | 5,888 |
| Loan and lease loss provision to assets | 0.1692% | 1,180 |
| Net operating income to assets | 1.2995% | 1,277 |
| Return on assets (ROA) | 1.2995% | 1,363 |
| Pretax return on assets | 1.3266% | 2,169 |
| Return on Equity (ROE) | 11.0337% | 1,620 |
| Retained earnings to average equity (ytd only) | -6.2065% | 6,000 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.7131% | 5,617 |
| Assets per employee ($millions) | 6.6751% | 983 |
| Cash dividends to net income (ytd only)* | 156.2500% | 344 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3333% | 3,228 |
| 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 | 63.1933% | 3,213 |
| Net loans and leases to deposits | 93.3809% | 1,048 |
| Net loans and leases to core deposits | 93.3809% | 1,823 |
| Total domestic deposits to total assets | 67.6726% | 6,209 |
| Equity capital to assets | 11.5720% | 2,399 |
| Core capital (leverage) ratio | 11.6497% | 1,889 |
| Tier 1 risk-based capital ratio | 13.8857% | 4,095 |
| Total risk-based capital ratio | 14.9110% | 4,147 |
| Memoranda: | ||
| Average total assets | $59,100,500 | 5,520 |
| Average earning assets | $55,430,000 | 5,476 |
| Average equity | $6,960,500 | 5,410 |
| Average total loans | $38,361,500 | 5,199 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2429% | 2,808 |
| Cost of funding earning assets | 0.8375% | 545 |
| Net interest margin | 3.4054% | 4,176 |
| Noninterest income to average assets | 0.3456% | 4,632 |
| Noninterest expense to average assets | 1.7969% | 6,070 |
| Loan and lease loss provision to assets | 0.0477% | 3,615 |
| Net operating income to assets | 1.6459% | 646 |
| Return on assets (ROA) | 1.6422% | 676 |
| Pretax return on assets | 1.6727% | 1,045 |
| Return on Equity (ROE) | 12.9847% | 1,139 |
| Retained earnings to average equity (ytd only) | 5.9337% | 1,967 |
| Net charge-offs to loans | -0.0120% | 5,591 |
| Credit loss provision to net charge-offs | -625.0000% | 5,830 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.0304% | 6,040 |
| Assets per employee ($millions) | 6.4583% | 1,077 |
| Cash dividends to net income (ytd only)* | 54.3023% | 2,046 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2760% | 3,566 |
| 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 | 64.9600% | 3,055 |
| Net loans and leases to deposits | 94.1854% | 1,063 |
| Net loans and leases to core deposits | 94.1854% | 1,905 |
| Total domestic deposits to total assets | 68.9703% | 6,238 |
| Equity capital to assets | 11.9897% | 2,023 |
| Core capital (leverage) ratio | 13.0082% | 1,136 |
| Tier 1 risk-based capital ratio | 14.1304% | 4,016 |
| Total risk-based capital ratio | 15.1074% | 4,136 |
| Memoranda: | ||
| Average total assets | $52,369,000 | 5,734 |
| Average earning assets | $48,834,200 | 5,705 |
| Average equity | $6,623,200 | 5,500 |
| Average total loans | $33,292,400 | 5,432 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2719% | 2,740 |
| Cost of funding earning assets | 0.8415% | 555 |
| Net interest margin | 3.4304% | 4,107 |
| Noninterest income to average assets | 0.3456% | 4,677 |
| Noninterest expense to average assets | 1.7435% | 6,164 |
| Loan and lease loss provision to assets | 0.0654% | 3,044 |
| Net operating income to assets | 1.7172% | 598 |
| Return on assets (ROA) | 1.7095% | 627 |
| Pretax return on assets | 1.7409% | 996 |
| Return on Equity (ROE) | 13.3192% | 1,134 |
| Retained earnings to average equity (ytd only) | 5.6704% | 2,626 |
| Net charge-offs to loans | -0.0166% | 5,565 |
| Credit loss provision to net charge-offs | -625.0000% | 5,796 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.0066% | 6,156 |
| Assets per employee ($millions) | 5.7341% | 1,542 |
| Cash dividends to net income (ytd only)* | 57.4279% | 1,500 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5181% | 2,621 |
| 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 | 61.3425% | 3,584 |
| Net loans and leases to deposits | 87.8093% | 1,697 |
| Net loans and leases to core deposits | 87.8093% | 2,450 |
| Total domestic deposits to total assets | 69.8587% | 6,291 |
| Equity capital to assets | 13.2017% | 1,329 |
| Core capital (leverage) ratio | 13.8067% | 896 |
| Tier 1 risk-based capital ratio | 15.7620% | 3,177 |
| Total risk-based capital ratio | 16.8698% | 3,191 |
| Memoranda: | ||
| Average total assets | $50,930,000 | 5,830 |
| Average earning assets | $47,689,750 | 5,800 |
| Average equity | $6,536,750 | 5,566 |
| Average total loans | $32,054,000 | 5,540 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2198% | 2,880 |
| Cost of funding earning assets | 0.8227% | 639 |
| Net interest margin | 3.3970% | 4,188 |
| Noninterest income to average assets | 0.3471% | 4,654 |
| Noninterest expense to average assets | 1.7356% | 6,230 |
| Loan and lease loss provision to assets | 0.0986% | 2,383 |
| Net operating income to assets | 1.6406% | 649 |
| Return on assets (ROA) | 1.6291% | 692 |
| Pretax return on assets | 1.6606% | 1,114 |
| Return on Equity (ROE) | 12.8168% | 1,228 |
| Retained earnings to average equity (ytd only) | 4.0033% | 3,636 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.4938% | 6,201 |
| Assets per employee ($millions) | 5.4807% | 1,711 |
| Cash dividends to net income (ytd only)* | 68.7651% | 1,201 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4700% | 3,027 |
| 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 | 65.7706% | 2,788 |
| Net loans and leases to deposits | 96.8100% | 753 |
| Net loans and leases to core deposits | 96.8100% | 1,535 |
| Total domestic deposits to total assets | 67.9378% | 6,426 |
| Equity capital to assets | 13.4817% | 1,163 |
| Core capital (leverage) ratio | 13.7942% | 886 |
| Tier 1 risk-based capital ratio | 15.8344% | 3,179 |
| Total risk-based capital ratio | 16.9622% | 3,180 |
| Memoranda: | ||
| Average total assets | $50,704,330 | 5,884 |
| Average earning assets | $47,159,000 | 5,856 |
| Average equity | $6,444,670 | 5,617 |
| Average total loans | $32,023,670 | 5,575 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1706% | 2,981 |
| Cost of funding earning assets | 0.8239% | 656 |
| Net interest margin | 3.3467% | 4,344 |
| Noninterest income to average assets | 0.3892% | 4,280 |
| Noninterest expense to average assets | 1.8524% | 6,142 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.5720% | 704 |
| Return on assets (ROA) | 1.5644% | 746 |
| Pretax return on assets | 1.5955% | 1,180 |
| Return on Equity (ROE) | 12.6774% | 1,242 |
| Retained earnings to average equity (ytd only) | 0.5676% | 5,356 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.6036% | 6,045 |
| Assets per employee ($millions) | 6.1348% | 1,211 |
| Cash dividends to net income (ytd only)* | 95.5224% | 745 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4535% | 3,359 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 63.4093% | 2,995 |
| Net loans and leases to deposits | 90.7977% | 1,058 |
| Net loans and leases to core deposits | 90.7977% | 1,845 |
| Total domestic deposits to total assets | 69.8358% | 6,454 |
| Equity capital to assets | 13.1260% | 1,250 |
| Core capital (leverage) ratio | 13.7126% | 918 |
| Tier 1 risk-based capital ratio | 16.0126% | 3,165 |
| Total risk-based capital ratio | 17.1137% | 3,201 |
| Memoranda: | ||
| Average total assets | $51,393,500 | 5,926 |
| Average earning assets | $47,091,000 | 5,918 |
| Average equity | $6,342,000 | 5,682 |
| Average total loans | $31,572,500 | 5,647 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9516% | 4,274 |
| Cost of funding earning assets | 0.8590% | 916 |
| Net interest margin | 3.0925% | 5,332 |
| Noninterest income to average assets | 0.3019% | 5,186 |
| Noninterest expense to average assets | 1.8781% | 6,217 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.2508% | 1,387 |
| Return on assets (ROA) | 1.2527% | 1,439 |
| Pretax return on assets | 1.2841% | 2,219 |
| Return on Equity (ROE) | 10.1239% | 2,061 |
| Retained earnings to average equity (ytd only) | 3.7707% | 3,522 |
| Net charge-offs to loans | -0.0630% | 6,381 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4293% | 5,552 |
| Assets per employee ($millions) | 6.7136% | 892 |
| Cash dividends to net income (ytd only)* | 62.7543% | 1,633 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4541% | 3,405 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 57.9177% | 4,048 |
| Net loans and leases to deposits | 84.8851% | 1,822 |
| Net loans and leases to core deposits | 84.8851% | 2,572 |
| Total domestic deposits to total assets | 68.2307% | 6,583 |
| Equity capital to assets | 11.6219% | 2,084 |
| Core capital (leverage) ratio | 13.6210% | 922 |
| Tier 1 risk-based capital ratio | 15.1693% | 3,561 |
| Total risk-based capital ratio | 16.2138% | 3,632 |
| Memoranda: | ||
| Average total assets | $51,008,600 | 5,993 |
| Average earning assets | $47,145,800 | 5,960 |
| Average equity | $6,311,800 | 5,738 |
| Average total loans | $28,564,400 | 5,824 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9065% | 4,478 |
| Cost of funding earning assets | 0.8690% | 951 |
| Net interest margin | 3.0374% | 5,498 |
| Noninterest income to average assets | 0.3285% | 5,059 |
| Noninterest expense to average assets | 1.8913% | 6,197 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.2371% | 1,514 |
| Return on assets (ROA) | 1.2397% | 1,589 |
| Pretax return on assets | 1.2821% | 2,403 |
| Return on Equity (ROE) | 9.8587% | 2,240 |
| Retained earnings to average equity (ytd only) | 3.7075% | 4,058 |
| Net charge-offs to loans | -0.0863% | 6,461 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6491% | 5,479 |
| Assets per employee ($millions) | 6.1511% | 1,135 |
| Cash dividends to net income (ytd only)* | 62.3930% | 1,362 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5835% | 3,080 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 57.9731% | 4,011 |
| Net loans and leases to deposits | 81.9935% | 2,138 |
| Net loans and leases to core deposits | 81.9935% | 2,875 |
| Total domestic deposits to total assets | 70.7045% | 6,566 |
| Equity capital to assets | 12.8391% | 1,400 |
| Core capital (leverage) ratio | 13.1933% | 1,132 |
| Tier 1 risk-based capital ratio | 15.7259% | 3,333 |
| Total risk-based capital ratio | 16.8191% | 3,397 |
| Memoranda: | ||
| Average total assets | $50,333,500 | 6,077 |
| Average earning assets | $47,100,000 | 6,029 |
| Average equity | $6,329,250 | 5,803 |
| Average total loans | $27,814,000 | 5,913 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7359% | 5,036 |
| Cost of funding earning assets | 0.8647% | 1,063 |
| Net interest margin | 2.8712% | 5,847 |
| Noninterest income to average assets | 0.2919% | 5,366 |
| Noninterest expense to average assets | 1.9011% | 6,220 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.0493% | 2,114 |
| Return on assets (ROA) | 1.0531% | 2,224 |
| Pretax return on assets | 1.0925% | 3,121 |
| Return on Equity (ROE) | 8.4320% | 2,885 |
| Retained earnings to average equity (ytd only) | 2.0843% | 4,947 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5884% | 4,923 |
| Assets per employee ($millions) | 5.6461% | 1,463 |
| Cash dividends to net income (ytd only)* | 75.2809% | 1,025 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5121% | 3,529 |
| 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 | 56.5266% | 4,210 |
| Net loans and leases to deposits | 88.0105% | 1,337 |
| Net loans and leases to core deposits | 88.0105% | 2,108 |
| Total domestic deposits to total assets | 64.2271% | 6,792 |
| Equity capital to assets | 12.2169% | 1,764 |
| Core capital (leverage) ratio | 12.9650% | 1,178 |
| Tier 1 risk-based capital ratio | 14.8367% | 3,883 |
| Total risk-based capital ratio | 15.8444% | 3,998 |
| Memoranda: | ||
| Average total assets | $50,708,330 | 6,107 |
| Average earning assets | $47,646,330 | 6,049 |
| Average equity | $6,333,000 | 5,840 |
| Average total loans | $27,423,000 | 5,965 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5941% | 5,467 |
| Cost of funding earning assets | 0.8690% | 1,152 |
| Net interest margin | 2.7251% | 6,177 |
| Noninterest income to average assets | 0.3632% | 4,755 |
| Noninterest expense to average assets | 2.1163% | 5,879 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.7581% | 3,387 |
| Return on assets (ROA) | 0.7581% | 3,527 |
| Pretax return on assets | 0.7976% | 4,178 |
| Return on Equity (ROE) | 6.0042% | 4,048 |
| Retained earnings to average equity (ytd only) | -1.8138% | 6,059 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6287% | 3,496 |
| Assets per employee ($millions) | 5.5023% | 1,668 |
| Cash dividends to net income (ytd only)* | 130.2083% | 445 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7163% | 2,937 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 50.9965% | 4,842 |
| Net loans and leases to deposits | 72.1687% | 3,164 |
| Net loans and leases to core deposits | 72.1687% | 3,797 |
| Total domestic deposits to total assets | 70.6630% | 6,727 |
| Equity capital to assets | 12.8350% | 1,507 |
| Core capital (leverage) ratio | 12.5247% | 1,327 |
| Tier 1 risk-based capital ratio | 14.9502% | 3,874 |
| Total risk-based capital ratio | 15.9806% | 3,983 |
| Memoranda: | ||
| Average total assets | $50,655,000 | 6,168 |
| Average earning assets | $47,411,000 | 6,114 |
| Average equity | $6,395,500 | 5,887 |
| Average total loans | $26,552,000 | 6,044 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0675% | 5,068 |
| Cost of funding earning assets | 0.9616% | 1,575 |
| Net interest margin | 3.1059% | 5,798 |
| Noninterest income to average assets | 0.3668% | 4,854 |
| Noninterest expense to average assets | 2.0448% | 6,246 |
| Loan and lease loss provision to assets | 0.1024% | 4,360 |
| Net operating income to assets | 1.1223% | 1,866 |
| Return on assets (ROA) | 1.1064% | 2,097 |
| Pretax return on assets | 1.1413% | 3,014 |
| Return on Equity (ROE) | 8.4778% | 2,879 |
| Retained earnings to average equity (ytd only) | 1.6642% | 5,026 |
| Net charge-offs to loans | 0.0592% | 5,097 |
| Credit loss provision to net charge-offs | 294.1176% | 832 |
| Earnings coverage of net charge-offs (x) | 36.1765% | 870 |
| Efficiency ratio | 61.8723% | 5,256 |
| Assets per employee ($millions) | 5.7543% | 1,470 |
| Cash dividends to net income (ytd only)* | 80.3704% | 989 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6053% | 3,285 |
| 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 | 52.0748% | 4,916 |
| Net loans and leases to deposits | 74.4877% | 3,026 |
| Net loans and leases to core deposits | 74.4877% | 3,723 |
| Total domestic deposits to total assets | 69.9106% | 6,789 |
| Equity capital to assets | 12.4254% | 1,762 |
| Core capital (leverage) ratio | 12.8880% | 1,158 |
| Tier 1 risk-based capital ratio | 14.5410% | 4,001 |
| Total risk-based capital ratio | 15.5364% | 4,131 |
| Memoranda: | ||
| Average total assets | $48,805,800 | 6,243 |
| Average earning assets | $46,170,800 | 6,174 |
| Average equity | $6,369,600 | 5,923 |
| Average total loans | $28,700,800 | 6,008 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1433% | 5,028 |
| Cost of funding earning assets | 0.9771% | 1,695 |
| Net interest margin | 3.1662% | 5,781 |
| Noninterest income to average assets | 0.3856% | 4,743 |
| Noninterest expense to average assets | 2.0668% | 6,230 |
| Loan and lease loss provision to assets | 0.0694% | 4,811 |
| Net operating income to assets | 1.2450% | 1,589 |
| Return on assets (ROA) | 1.2234% | 1,833 |
| Pretax return on assets | 1.2567% | 2,762 |
| Return on Equity (ROE) | 9.2549% | 2,694 |
| Retained earnings to average equity (ytd only) | 2.0777% | 5,284 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5199% | 5,407 |
| Assets per employee ($millions) | 5.2998% | 1,831 |
| Cash dividends to net income (ytd only)* | 77.5506% | 707 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4444% | 4,177 |
| Loan loss allowance to noncurrent loans | 2,547.0588% | 218 |
| Noncurrent assets plus other real estate owned to assets | 0.0356% | 6,681 |
| Noncurrent loans to loans | 0.0567% | 6,476 |
| Net loans and leases to total assets | 61.9397% | 3,391 |
| Net loans and leases to deposits | 92.3279% | 938 |
| Net loans and leases to core deposits | 92.3279% | 1,748 |
| Total domestic deposits to total assets | 67.0867% | 6,950 |
| Equity capital to assets | 13.4827% | 1,356 |
| Core capital (leverage) ratio | 13.8017% | 900 |
| Tier 1 risk-based capital ratio | 14.8203% | 3,963 |
| Total risk-based capital ratio | 15.8198% | 4,105 |
| Memoranda: | ||
| Average total assets | $48,060,000 | 6,338 |
| Average earning assets | $45,985,000 | 6,253 |
| Average equity | $6,353,250 | 5,998 |
| Average total loans | $29,023,750 | 6,068 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1283% | 5,206 |
| Cost of funding earning assets | 0.9897% | 1,828 |
| Net interest margin | 3.1385% | 5,893 |
| Noninterest income to average assets | 0.3030% | 5,386 |
| Noninterest expense to average assets | 1.9842% | 6,465 |
| Loan and lease loss provision to assets | 0.1038% | 4,228 |
| Net operating income to assets | 1.1821% | 1,780 |
| Return on assets (ROA) | 1.1498% | 2,091 |
| Pretax return on assets | 1.1830% | 3,004 |
| Return on Equity (ROE) | 8.7557% | 2,914 |
| Retained earnings to average equity (ytd only) | 0.8534% | 5,723 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0503% | 5,568 |
| Assets per employee ($millions) | 5.2409% | 1,877 |
| Cash dividends to net income (ytd only)* | 90.2527% | 594 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4883% | 4,061 |
| Loan loss allowance to noncurrent loans | 2,547.0588% | 201 |
| Noncurrent assets plus other real estate owned to assets | 0.0594% | 6,663 |
| Noncurrent loans to loans | 0.0584% | 6,533 |
| Net loans and leases to total assets | 60.7615% | 3,666 |
| Net loans and leases to deposits | 90.5672% | 1,088 |
| Net loans and leases to core deposits | 90.5672% | 1,923 |
| Total domestic deposits to total assets | 67.0900% | 7,023 |
| Equity capital to assets | 13.4710% | 1,316 |
| Core capital (leverage) ratio | 13.4794% | 987 |
| Tier 1 risk-based capital ratio | 14.4460% | 4,137 |
| Total risk-based capital ratio | 15.4314% | 4,283 |
| Memoranda: | ||
| Average total assets | $48,180,670 | 6,377 |
| Average earning assets | $46,072,670 | 6,286 |
| Average equity | $6,327,330 | 6,033 |
| Average total loans | $28,706,000 | 6,126 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1237% | 5,372 |
| Cost of funding earning assets | 0.9900% | 2,036 |
| Net interest margin | 3.1337% | 5,944 |
| Noninterest income to average assets | 0.3615% | 4,991 |
| Noninterest expense to average assets | 2.1114% | 6,250 |
| Loan and lease loss provision to assets | 0.2054% | 2,900 |
| Net operating income to assets | 1.0023% | 2,475 |
| Return on assets (ROA) | 1.0023% | 2,664 |
| Pretax return on assets | 1.0352% | 3,551 |
| Return on Equity (ROE) | 7.7289% | 3,397 |
| Retained earnings to average equity (ytd only) | -2.3440% | 6,324 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9902% | 5,108 |
| Assets per employee ($millions) | 5.3462% | 1,840 |
| Cash dividends to net income (ytd only)* | 130.3279% | 379 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5394% | 3,991 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0229% | 6,850 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 57.4237% | 4,139 |
| Net loans and leases to deposits | 85.1884% | 1,512 |
| Net loans and leases to core deposits | 85.1884% | 2,386 |
| Total domestic deposits to total assets | 67.4079% | 7,069 |
| Equity capital to assets | 13.0726% | 1,411 |
| Core capital (leverage) ratio | 13.0136% | 1,126 |
| Tier 1 risk-based capital ratio | 14.8270% | 3,871 |
| Total risk-based capital ratio | 15.8463% | 3,982 |
| Memoranda: | ||
| Average total assets | $48,687,000 | 6,408 |
| Average earning assets | $46,463,000 | 6,316 |
| Average equity | $6,314,000 | 6,066 |
| Average total loans | $28,512,500 | 6,180 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4527% | 5,243 |
| Cost of funding earning assets | 1.1155% | 2,570 |
| Net interest margin | 3.3372% | 5,693 |
| Noninterest income to average assets | 0.3744% | 4,833 |
| Noninterest expense to average assets | 2.0396% | 6,606 |
| Loan and lease loss provision to assets | 0.0551% | 5,907 |
| Net operating income to assets | 1.4119% | 1,004 |
| Return on assets (ROA) | 1.4163% | 1,071 |
| Pretax return on assets | 1.4471% | 1,632 |
| Return on Equity (ROE) | 10.3032% | 1,956 |
| Retained earnings to average equity (ytd only) | 3.3489% | 3,837 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.6588% | 6,095 |
| Assets per employee ($millions) | 5.4731% | 1,665 |
| Cash dividends to net income (ytd only)* | 67.4961% | 1,251 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4052% | 4,431 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0223% | 6,917 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 57.9723% | 4,374 |
| Net loans and leases to deposits | 88.8847% | 1,281 |
| Net loans and leases to core deposits | 88.8847% | 2,263 |
| Total domestic deposits to total assets | 65.2219% | 7,147 |
| Equity capital to assets | 12.8669% | 1,562 |
| Core capital (leverage) ratio | 13.1189% | 1,095 |
| Tier 1 risk-based capital ratio | 14.4509% | 4,004 |
| Total risk-based capital ratio | 15.3813% | 4,186 |
| Memoranda: | ||
| Average total assets | $45,401,200 | 6,498 |
| Average earning assets | $43,030,200 | 6,417 |
| Average equity | $6,240,800 | 6,091 |
| Average total loans | $25,874,800 | 6,367 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5560% | 5,062 |
| Cost of funding earning assets | 1.1437% | 2,673 |
| Net interest margin | 3.4122% | 5,533 |
| Noninterest income to average assets | 0.3991% | 4,675 |
| Noninterest expense to average assets | 1.9713% | 6,748 |
| Loan and lease loss provision to assets | 0.0750% | 5,513 |
| Net operating income to assets | 1.5543% | 840 |
| Return on assets (ROA) | 1.5602% | 907 |
| Pretax return on assets | 1.5902% | 1,413 |
| Return on Equity (ROE) | 11.1529% | 1,808 |
| Retained earnings to average equity (ytd only) | 3.8177% | 4,008 |
| Net charge-offs to loans | 0.0106% | 6,003 |
| Credit loss provision to net charge-offs | 1,250.0000% | 220 |
| Earnings coverage of net charge-offs (x) | 276.1461% | 138 |
| Efficiency ratio | 54.2975% | 6,454 |
| Assets per employee ($millions) | 4.9780% | 2,215 |
| Cash dividends to net income (ytd only)* | 65.7691% | 1,009 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6724% | 3,368 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0246% | 7,002 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 53.1494% | 5,296 |
| Net loans and leases to deposits | 75.1452% | 3,483 |
| Net loans and leases to core deposits | 75.1452% | 4,305 |
| Total domestic deposits to total assets | 70.7290% | 6,998 |
| Equity capital to assets | 14.1288% | 1,110 |
| Core capital (leverage) ratio | 14.0408% | 894 |
| Tier 1 risk-based capital ratio | 16.7886% | 2,727 |
| Total risk-based capital ratio | 17.8695% | 2,764 |
| Memoranda: | ||
| Average total assets | $44,437,000 | 6,578 |
| Average earning assets | $42,083,000 | 6,516 |
| Average equity | $6,216,500 | 6,142 |
| Average total loans | $25,102,750 | 6,474 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5667% | 5,112 |
| Cost of funding earning assets | 1.1632% | 2,825 |
| Net interest margin | 3.4035% | 5,549 |
| Noninterest income to average assets | 0.3565% | 5,036 |
| Noninterest expense to average assets | 1.9497% | 6,875 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.5888% | 748 |
| Return on assets (ROA) | 1.5976% | 782 |
| Pretax return on assets | 1.6247% | 1,210 |
| Return on Equity (ROE) | 11.4588% | 1,653 |
| Retained earnings to average equity (ytd only) | 3.3664% | 4,122 |
| Net charge-offs to loans | 0.0236% | 5,499 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 119.3333% | 293 |
| Efficiency ratio | 54.6835% | 6,545 |
| Assets per employee ($millions) | 4.9464% | 2,208 |
| Cash dividends to net income (ytd only)* | 70.6215% | 1,017 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4886% | 4,185 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0247% | 7,041 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 56.3413% | 4,936 |
| Net loans and leases to deposits | 78.5999% | 3,022 |
| Net loans and leases to core deposits | 78.5999% | 3,984 |
| Total domestic deposits to total assets | 71.6811% | 7,028 |
| Equity capital to assets | 14.0707% | 1,076 |
| Core capital (leverage) ratio | 13.8555% | 908 |
| Tier 1 risk-based capital ratio | 17.1268% | 2,468 |
| Total risk-based capital ratio | 18.1710% | 2,524 |
| Memoranda: | ||
| Average total assets | $44,315,330 | 6,634 |
| Average earning assets | $41,781,000 | 6,575 |
| Average equity | $6,178,670 | 6,177 |
| Average total loans | $25,398,000 | 6,518 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5102% | 5,300 |
| Cost of funding earning assets | 1.1778% | 2,965 |
| Net interest margin | 3.3324% | 5,666 |
| Noninterest income to average assets | 0.3981% | 4,710 |
| Noninterest expense to average assets | 1.9722% | 6,871 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.5470% | 784 |
| Return on assets (ROA) | 1.5470% | 821 |
| Pretax return on assets | 1.5742% | 1,245 |
| Return on Equity (ROE) | 11.1473% | 1,693 |
| Retained earnings to average equity (ytd only) | 0.7823% | 5,511 |
| Net charge-offs to loans | 0.0631% | 4,299 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 43.5000% | 643 |
| Efficiency ratio | 55.6122% | 6,544 |
| Assets per employee ($millions) | 4.9181% | 2,273 |
| Cash dividends to net income (ytd only)* | 92.9825% | 665 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4372% | 4,494 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0249% | 7,113 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 58.7195% | 4,512 |
| Net loans and leases to deposits | 81.8898% | 2,383 |
| Net loans and leases to core deposits | 81.8898% | 3,473 |
| Total domestic deposits to total assets | 71.7055% | 7,098 |
| Equity capital to assets | 13.8513% | 1,046 |
| Core capital (leverage) ratio | 13.7221% | 909 |
| Tier 1 risk-based capital ratio | 14.9953% | 3,424 |
| Total risk-based capital ratio | 15.9232% | 3,589 |
| Memoranda: | ||
| Average total assets | $44,214,000 | 6,687 |
| Average earning assets | $41,772,000 | 6,622 |
| Average equity | $6,136,000 | 6,197 |
| Average total loans | $25,366,500 | 6,567 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9088% | 4,985 |
| Cost of funding earning assets | 1.2728% | 4,069 |
| Net interest margin | 3.6359% | 4,644 |
| Noninterest income to average assets | 0.4527% | 4,496 |
| Noninterest expense to average assets | 2.1416% | 6,749 |
| Loan and lease loss provision to assets | 0.1244% | 5,919 |
| Net operating income to assets | 1.5722% | 657 |
| Return on assets (ROA) | 1.5819% | 701 |
| Pretax return on assets | 1.6143% | 1,098 |
| Return on Equity (ROE) | 10.5536% | 1,739 |
| Retained earnings to average equity (ytd only) | 3.6340% | 3,320 |
| Net charge-offs to loans | 0.1286% | 5,616 |
| Credit loss provision to net charge-offs | 166.6667% | 2,042 |
| Earnings coverage of net charge-offs (x) | 23.1667% | 913 |
| Efficiency ratio | 55.3342% | 6,674 |
| Assets per employee ($millions) | 4.9072% | 2,282 |
| Cash dividends to net income (ytd only)* | 65.5660% | 1,393 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5680% | 3,708 |
| Loan loss allowance to noncurrent loans | 9,550.0000% | 58 |
| Noncurrent assets plus other real estate owned to assets | 0.0340% | 7,153 |
| Noncurrent loans to loans | 0.0164% | 7,107 |
| Net loans and leases to total assets | 54.2987% | 5,600 |
| Net loans and leases to deposits | 76.0336% | 3,834 |
| Net loans and leases to core deposits | 76.0336% | 4,711 |
| Total domestic deposits to total assets | 71.4140% | 7,139 |
| Equity capital to assets | 13.9047% | 1,065 |
| Core capital (leverage) ratio | 14.7118% | 713 |
| Tier 1 risk-based capital ratio | 16.6490% | 2,481 |
| Total risk-based capital ratio | 17.6895% | 2,519 |
| Memoranda: | ||
| Average total assets | $40,204,400 | 6,863 |
| Average earning assets | $37,789,400 | 6,805 |
| Average equity | $6,026,400 | 6,356 |
| Average total loans | $23,326,600 | 6,758 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0483% | 4,597 |
| Cost of funding earning assets | 1.3081% | 4,164 |
| Net interest margin | 3.7401% | 4,230 |
| Noninterest income to average assets | 0.4794% | 4,336 |
| Noninterest expense to average assets | 2.1420% | 6,754 |
| Loan and lease loss provision to assets | 0.0850% | 6,189 |
| Net operating income to assets | 1.7377% | 578 |
| Return on assets (ROA) | 1.7510% | 616 |
| Pretax return on assets | 1.7850% | 953 |
| Return on Equity (ROE) | 11.4485% | 1,664 |
| Retained earnings to average equity (ytd only) | 4.2238% | 3,513 |
| Net charge-offs to loans | 0.2081% | 4,697 |
| Credit loss provision to net charge-offs | 69.4444% | 5,434 |
| Earnings coverage of net charge-offs (x) | 15.1663% | 1,457 |
| Efficiency ratio | 53.5714% | 6,824 |
| Assets per employee ($millions) | 4.4408% | 3,007 |
| Cash dividends to net income (ytd only)* | 63.1064% | 1,130 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4588% | 4,165 |
| Loan loss allowance to noncurrent loans | 11,700.0000% | 39 |
| Noncurrent assets plus other real estate owned to assets | 0.0350% | 7,271 |
| Noncurrent loans to loans | 0.0125% | 7,239 |
| Net loans and leases to total assets | 59.3239% | 5,036 |
| Net loans and leases to deposits | 82.3235% | 3,041 |
| Net loans and leases to core deposits | 82.3235% | 4,196 |
| Total domestic deposits to total assets | 72.0620% | 7,125 |
| Equity capital to assets | 15.3126% | 819 |
| Core capital (leverage) ratio | 15.4979% | 637 |
| Tier 1 risk-based capital ratio | 17.5650% | 2,154 |
| Total risk-based capital ratio | 18.5784% | 2,192 |
| Memoranda: | ||
| Average total assets | $39,214,250 | 6,971 |
| Average earning assets | $36,896,250 | 6,922 |
| Average equity | $5,997,750 | 6,444 |
| Average total loans | $23,067,500 | 6,857 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0679% | 4,623 |
| Cost of funding earning assets | 1.3588% | 4,135 |
| Net interest margin | 3.7092% | 4,319 |
| Noninterest income to average assets | 0.4671% | 4,379 |
| Noninterest expense to average assets | 2.2021% | 6,647 |
| Loan and lease loss provision to assets | 0.1283% | 5,597 |
| Net operating income to assets | 1.5812% | 759 |
| Return on assets (ROA) | 1.5912% | 791 |
| Pretax return on assets | 1.6220% | 1,242 |
| Return on Equity (ROE) | 10.4079% | 1,960 |
| Retained earnings to average equity (ytd only) | 2.5516% | 4,525 |
| Net charge-offs to loans | 0.3519% | 3,591 |
| Credit loss provision to net charge-offs | 62.5000% | 5,146 |
| Earnings coverage of net charge-offs (x) | 8.4750% | 2,129 |
| Efficiency ratio | 55.8594% | 6,651 |
| Assets per employee ($millions) | 4.3093% | 3,194 |
| Cash dividends to net income (ytd only)* | 75.4839% | 877 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4775% | 4,027 |
| Loan loss allowance to noncurrent loans | 4,337.5000% | 100 |
| Noncurrent assets plus other real estate owned to assets | 0.0387% | 7,301 |
| Noncurrent loans to loans | 0.0341% | 7,234 |
| Net loans and leases to total assets | 59.6586% | 5,132 |
| Net loans and leases to deposits | 82.9825% | 3,079 |
| Net loans and leases to core deposits | 82.9825% | 4,281 |
| Total domestic deposits to total assets | 71.8930% | 7,189 |
| Equity capital to assets | 15.5244% | 766 |
| Core capital (leverage) ratio | 15.2397% | 681 |
| Tier 1 risk-based capital ratio | 18.5871% | 1,808 |
| Total risk-based capital ratio | 19.6675% | 1,826 |
| Memoranda: | ||
| Average total assets | $38,963,330 | 7,030 |
| Average earning assets | $36,504,000 | 6,985 |
| Average equity | $5,957,000 | 6,481 |
| Average total loans | $22,736,330 | 6,923 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9947% | 5,044 |
| Cost of funding earning assets | 1.3602% | 4,421 |
| Net interest margin | 3.6345% | 4,559 |
| Noninterest income to average assets | 0.5121% | 3,953 |
| Noninterest expense to average assets | 2.2329% | 6,602 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.6695% | 656 |
| Return on assets (ROA) | 1.6695% | 706 |
| Pretax return on assets | 1.7003% | 1,059 |
| Return on Equity (ROE) | 11.0042% | 1,790 |
| Retained earnings to average equity (ytd only) | 1.4177% | 5,233 |
| Net charge-offs to loans | 0.0358% | 5,081 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 83.0000% | 381 |
| Efficiency ratio | 56.7708% | 6,657 |
| Assets per employee ($millions) | 4.3871% | 3,148 |
| Cash dividends to net income (ytd only)* | 87.1166% | 726 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5691% | 3,579 |
| Loan loss allowance to noncurrent loans | 214.9701% | 1,330 |
| Noncurrent assets plus other real estate owned to assets | 0.4230% | 6,407 |
| Noncurrent loans to loans | 0.7299% | 5,861 |
| Net loans and leases to total assets | 57.0383% | 5,600 |
| Net loans and leases to deposits | 79.1432% | 3,815 |
| Net loans and leases to core deposits | 79.1432% | 4,876 |
| Total domestic deposits to total assets | 72.0697% | 7,259 |
| Equity capital to assets | 14.9883% | 885 |
| Core capital (leverage) ratio | 15.2460% | 703 |
| Tier 1 risk-based capital ratio | 18.3787% | 1,852 |
| Total risk-based capital ratio | 19.4942% | 1,860 |
| Memoranda: | ||
| Average total assets | $39,053,000 | 7,112 |
| Average earning assets | $36,759,000 | 7,065 |
| Average equity | $5,925,000 | 6,546 |
| Average total loans | $22,362,000 | 7,031 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4347% | 4,517 |
| Cost of funding earning assets | 1.5605% | 5,223 |
| Net interest margin | 3.8742% | 3,379 |
| Noninterest income to average assets | 0.5208% | 4,256 |
| Noninterest expense to average assets | 2.4680% | 6,247 |
| Loan and lease loss provision to assets | 0.1415% | 6,225 |
| Net operating income to assets | 1.5425% | 619 |
| Return on assets (ROA) | 1.5425% | 658 |
| Pretax return on assets | 1.5793% | 1,006 |
| Return on Equity (ROE) | 9.3287% | 1,913 |
| Retained earnings to average equity (ytd only) | 2.4648% | 3,414 |
| Net charge-offs to loans | 0.1384% | 5,831 |
| Credit loss provision to net charge-offs | 172.4138% | 2,463 |
| Earnings coverage of net charge-offs (x) | 20.9655% | 1,016 |
| Efficiency ratio | 58.9189% | 6,631 |
| Assets per employee ($millions) | 4.2913% | 3,278 |
| Cash dividends to net income (ytd only)* | 73.5780% | 1,414 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6572% | 3,058 |
| Loan loss allowance to noncurrent loans | 211.6959% | 1,415 |
| Noncurrent assets plus other real estate owned to assets | 0.4428% | 6,348 |
| Noncurrent loans to loans | 0.7828% | 5,709 |
| Net loans and leases to total assets | 55.6211% | 6,012 |
| Net loans and leases to deposits | 74.3579% | 4,976 |
| Net loans and leases to core deposits | 80.4027% | 6,050 |
| Total domestic deposits to total assets | 74.8019% | 6,898 |
| Equity capital to assets | 15.3591% | 831 |
| Core capital (leverage) ratio | 15.9177% | 627 |
| Tier 1 risk-based capital ratio | 18.6307% | 1,729 |
| Total risk-based capital ratio | 19.7749% | 1,709 |
| Memoranda: | ||
| Average total assets | $35,331,800 | 7,265 |
| Average earning assets | $33,451,800 | 7,209 |
| Average equity | $5,842,200 | 6,652 |
| Average total loans | $20,954,000 | 7,143 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5291% | 4,276 |
| Cost of funding earning assets | 1.5995% | 5,403 |
| Net interest margin | 3.9297% | 3,126 |
| Noninterest income to average assets | 0.5486% | 4,092 |
| Noninterest expense to average assets | 2.5191% | 6,012 |
| Loan and lease loss provision to assets | 0.1932% | 5,449 |
| Net operating income to assets | 1.5416% | 742 |
| Return on assets (ROA) | 1.5416% | 801 |
| Pretax return on assets | 1.5764% | 1,228 |
| Return on Equity (ROE) | 9.1411% | 2,215 |
| Retained earnings to average equity (ytd only) | 2.0619% | 4,172 |
| Net charge-offs to loans | 0.1801% | 4,944 |
| Credit loss provision to net charge-offs | 178.5714% | 2,576 |
| Earnings coverage of net charge-offs (x) | 16.3582% | 1,475 |
| Efficiency ratio | 58.7387% | 6,606 |
| Assets per employee ($millions) | 3.9639% | 3,799 |
| Cash dividends to net income (ytd only)* | 77.4432% | 1,035 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7067% | 2,601 |
| Loan loss allowance to noncurrent loans | 212.3529% | 1,395 |
| Noncurrent assets plus other real estate owned to assets | 0.4765% | 6,275 |
| Noncurrent loans to loans | 0.8037% | 5,694 |
| Net loans and leases to total assets | 58.2789% | 5,847 |
| Net loans and leases to deposits | 78.8374% | 4,586 |
| Net loans and leases to core deposits | 86.8209% | 5,783 |
| Total domestic deposits to total assets | 73.9229% | 6,957 |
| Equity capital to assets | 16.4793% | 710 |
| Core capital (leverage) ratio | 16.5214% | 614 |
| Tier 1 risk-based capital ratio | 19.4038% | 1,665 |
| Total risk-based capital ratio | 20.6035% | 1,637 |
| Memoranda: | ||
| Average total assets | $34,509,250 | 7,363 |
| Average earning assets | $32,843,250 | 7,295 |
| Average equity | $5,819,750 | 6,727 |
| Average total loans | $20,731,500 | 7,218 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5611% | 4,277 |
| Cost of funding earning assets | 1.6179% | 5,676 |
| Net interest margin | 3.9432% | 2,918 |
| Noninterest income to average assets | 0.5510% | 4,031 |
| Noninterest expense to average assets | 2.6201% | 5,659 |
| Loan and lease loss provision to assets | 0.1465% | 5,611 |
| Net operating income to assets | 1.5064% | 825 |
| Return on assets (ROA) | 1.5064% | 883 |
| Pretax return on assets | 1.5416% | 1,346 |
| Return on Equity (ROE) | 8.8621% | 2,409 |
| Retained earnings to average equity (ytd only) | 1.3793% | 4,572 |
| Net charge-offs to loans | 0.2817% | 3,783 |
| Credit loss provision to net charge-offs | 86.2069% | 5,024 |
| Earnings coverage of net charge-offs (x) | 9.9310% | 2,055 |
| Efficiency ratio | 60.8163% | 6,423 |
| Assets per employee ($millions) | 3.8570% | 3,966 |
| Cash dividends to net income (ytd only)* | 84.4358% | 994 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6075% | 2,703 |
| Loan loss allowance to noncurrent loans | 144.2060% | 2,044 |
| Noncurrent assets plus other real estate owned to assets | 0.6712% | 5,734 |
| Noncurrent loans to loans | 1.1147% | 4,988 |
| Net loans and leases to total assets | 59.2458% | 5,798 |
| Net loans and leases to deposits | 80.7460% | 4,429 |
| Net loans and leases to core deposits | 88.8380% | 5,650 |
| Total domestic deposits to total assets | 73.3731% | 7,053 |
| Equity capital to assets | 16.6998% | 712 |
| Core capital (leverage) ratio | 16.5372% | 673 |
| Tier 1 risk-based capital ratio | 18.9195% | 1,795 |
| Total risk-based capital ratio | 20.0176% | 1,780 |
| Memoranda: | ||
| Average total assets | $34,120,670 | 7,445 |
| Average earning assets | $32,511,670 | 7,377 |
| Average equity | $5,800,000 | 6,797 |
| Average total loans | $20,591,330 | 7,292 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6269% | 4,200 |
| Cost of funding earning assets | 1.6432% | 5,845 |
| Net interest margin | 3.9836% | 2,714 |
| Noninterest income to average assets | 0.7095% | 2,829 |
| Noninterest expense to average assets | 2.6726% | 5,135 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.7857% | 544 |
| Return on assets (ROA) | 1.7857% | 601 |
| Pretax return on assets | 1.8212% | 939 |
| Return on Equity (ROE) | 10.4111% | 2,164 |
| Retained earnings to average equity (ytd only) | 1.7926% | 4,851 |
| Net charge-offs to loans | 0.7242% | 1,738 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 4.1622% | 2,959 |
| Efficiency ratio | 59.4737% | 6,485 |
| Assets per employee ($millions) | 3.7852% | 4,128 |
| Cash dividends to net income (ytd only)* | 82.7815% | 999 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4537% | 3,213 |
| Loan loss allowance to noncurrent loans | 704.6512% | 524 |
| Noncurrent assets plus other real estate owned to assets | 0.1262% | 7,210 |
| Noncurrent loans to loans | 0.2063% | 6,942 |
| Net loans and leases to total assets | 60.2930% | 5,605 |
| Net loans and leases to deposits | 80.7231% | 4,497 |
| Net loans and leases to core deposits | 88.8447% | 5,663 |
| Total domestic deposits to total assets | 74.6910% | 6,769 |
| Equity capital to assets | 17.0576% | 719 |
| Core capital (leverage) ratio | 16.7299% | 688 |
| Tier 1 risk-based capital ratio | 19.7287% | 1,671 |
| Total risk-based capital ratio | 20.7640% | 1,664 |
| Memoranda: | ||
| Average total assets | $33,824,500 | 7,496 |
| Average earning assets | $32,131,500 | 7,432 |
| Average equity | $5,801,500 | 6,836 |
| Average total loans | $20,436,000 | 7,338 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3033% | 3,947 |
| Cost of funding earning assets | 2.1956% | 5,621 |
| Net interest margin | 4.1077% | 2,677 |
| Noninterest income to average assets | 0.5946% | 3,874 |
| Noninterest expense to average assets | 2.7636% | 4,997 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.6230% | 803 |
| Return on assets (ROA) | 1.6260% | 757 |
| Pretax return on assets | 1.6594% | 1,242 |
| Return on Equity (ROE) | 9.4280% | 2,465 |
| Retained earnings to average equity (ytd only) | 1.0554% | 4,591 |
| Net charge-offs to loans | -0.0884% | 8,079 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5257% | 5,852 |
| Assets per employee ($millions) | 3.7313% | 4,101 |
| Cash dividends to net income (ytd only)* | 88.8060% | 1,338 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6975% | 1,917 |
| Loan loss allowance to noncurrent loans | 539.6825% | 816 |
| Noncurrent assets plus other real estate owned to assets | 0.1876% | 6,808 |
| Noncurrent loans to loans | 0.3145% | 6,432 |
| Net loans and leases to total assets | 58.6296% | 6,112 |
| Net loans and leases to deposits | 78.0350% | 5,335 |
| Net loans and leases to core deposits | 85.2043% | 6,193 |
| Total domestic deposits to total assets | 75.1325% | 6,419 |
| Equity capital to assets | 17.2473% | 752 |
| Core capital (leverage) ratio | 16.8548% | 714 |
| Tier 1 risk-based capital ratio | 21.7419% | 1,349 |
| Total risk-based capital ratio | 22.9937% | 1,307 |
| Memoranda: | ||
| Average total assets | $32,964,600 | 7,509 |
| Average earning assets | $30,698,200 | 7,479 |
| Average equity | $5,685,200 | 6,920 |
| Average total loans | $19,239,600 | 7,384 |