Home > First State Bank of Harvey > Performance and Condition Ratios
First State Bank of Harvey, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9918% | 4,274 |
| Cost of funding earning assets | 1.3245% | 3,552 |
| Net interest margin | 2.6673% | 3,874 |
| Noninterest income to average assets | 0.3800% | 2,354 |
| Noninterest expense to average assets | 2.0846% | 3,380 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | 0.8165% | 2,803 |
| Return on assets (ROA) | 0.8165% | 2,805 |
| Pretax return on assets | 0.8165% | 3,155 |
| Return on Equity (ROE) | 12.6900% | 1,562 |
| Retained earnings to average equity (ytd only) | 12.6920% | 669 |
| Net charge-offs to loans | 0.0000% | 2,326 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 70.0599% | 1,804 |
| Assets per employee ($millions) | 7.3458% | 1,985 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4153% | 1,255 |
| Loan loss allowance to noncurrent loans | 166.5272% | 2,356 |
| Noncurrent assets plus other real estate owned to assets | 0.2503% | 2,288 |
| Noncurrent loans to loans | 0.8499% | 1,232 |
| Net loans and leases to total assets | 29.0300% | 4,210 |
| Net loans and leases to deposits | 31.3382% | 4,245 |
| Net loans and leases to core deposits | 33.8961% | 4,229 |
| Total domestic deposits to total assets | 92.6400% | 175 |
| Equity capital to assets | 6.5312% | 4,144 |
| Core capital (leverage) ratio | 10.4299% | 2,465 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $92,106,000 | 3,845 |
| Average earning assets | $86,979,000 | 3,809 |
| Average equity | $5,925,000 | 4,165 |
| Average total loans | $30,600,000 | 4,080 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9145% | 4,320 |
| Cost of funding earning assets | 1.3642% | 3,577 |
| Net interest margin | 2.5504% | 3,847 |
| Noninterest income to average assets | 0.5700% | 1,625 |
| Noninterest expense to average assets | 2.1506% | 3,255 |
| Loan and lease loss provision to assets | 0.0000% | 3,171 |
| Net operating income to assets | 0.8342% | 2,595 |
| Return on assets (ROA) | 0.8342% | 2,599 |
| Pretax return on assets | 0.8342% | 2,968 |
| Return on Equity (ROE) | 12.8100% | 1,405 |
| Retained earnings to average equity (ytd only) | 1.4976% | 3,535 |
| Net charge-offs to loans | -0.0032% | 3,838 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 70.1728% | 1,964 |
| Assets per employee ($millions) | 6.8244% | 2,281 |
| Cash dividends to net income (ytd only)* | 88.3065% | 413 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3393% | 1,514 |
| Loan loss allowance to noncurrent loans | 1,030.2326% | 733 |
| Noncurrent assets plus other real estate owned to assets | 0.0485% | 3,325 |
| Noncurrent loans to loans | 0.1300% | 3,004 |
| Net loans and leases to total assets | 36.7900% | 4,093 |
| Net loans and leases to deposits | 39.6239% | 4,165 |
| Net loans and leases to core deposits | 42.0554% | 4,167 |
| Total domestic deposits to total assets | 92.8400% | 181 |
| Equity capital to assets | 6.3269% | 4,134 |
| Core capital (leverage) ratio | 10.8438% | 2,100 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $89,183,200 | 3,871 |
| Average earning assets | $84,301,400 | 3,835 |
| Average equity | $5,809,200 | 4,172 |
| Average total loans | $31,216,000 | 4,081 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9125% | 4,333 |
| Cost of funding earning assets | 1.3337% | 3,624 |
| Net interest margin | 2.5788% | 3,789 |
| Noninterest income to average assets | 0.5600% | 1,638 |
| Noninterest expense to average assets | 2.2097% | 3,059 |
| Loan and lease loss provision to assets | 0.0000% | 3,009 |
| Net operating income to assets | 0.7854% | 2,741 |
| Return on assets (ROA) | 0.7854% | 2,757 |
| Pretax return on assets | 0.7854% | 3,086 |
| Return on Equity (ROE) | 11.9700% | 1,629 |
| Retained earnings to average equity (ytd only) | 5.6443% | 2,226 |
| Net charge-offs to loans | 0.0000% | 2,849 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 71.8843% | 1,799 |
| Assets per employee ($millions) | 6.8319% | 2,253 |
| Cash dividends to net income (ytd only)* | 52.8517% | 1,276 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3459% | 1,534 |
| Loan loss allowance to noncurrent loans | 258.4795% | 1,903 |
| Noncurrent assets plus other real estate owned to assets | 0.1925% | 2,503 |
| Noncurrent loans to loans | 0.5207% | 1,779 |
| Net loans and leases to total assets | 36.4800% | 4,132 |
| Net loans and leases to deposits | 39.9867% | 4,197 |
| Net loans and leases to core deposits | 42.7634% | 4,190 |
| Total domestic deposits to total assets | 91.2300% | 308 |
| Equity capital to assets | 7.8230% | 3,821 |
| Core capital (leverage) ratio | 11.3368% | 1,846 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $89,299,750 | 3,887 |
| Average earning assets | $84,377,000 | 3,855 |
| Average equity | $5,858,250 | 4,186 |
| Average total loans | $30,750,500 | 4,104 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7959% | 4,377 |
| Cost of funding earning assets | 1.2622% | 3,688 |
| Net interest margin | 2.5338% | 3,830 |
| Noninterest income to average assets | 0.4500% | 2,091 |
| Noninterest expense to average assets | 2.2155% | 3,029 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 0.6394% | 3,090 |
| Return on assets (ROA) | 0.6394% | 3,117 |
| Pretax return on assets | 0.6394% | 3,362 |
| Return on Equity (ROE) | 10.4100% | 2,049 |
| Retained earnings to average equity (ytd only) | 5.3503% | 2,229 |
| Net charge-offs to loans | 0.0000% | 2,619 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 75.6460% | 1,493 |
| Assets per employee ($millions) | 5.9403% | 2,849 |
| Cash dividends to net income (ytd only)* | 48.6014% | 1,511 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4381% | 1,254 |
| Loan loss allowance to noncurrent loans | 104.4917% | 3,034 |
| Noncurrent assets plus other real estate owned to assets | 0.4747% | 1,397 |
| Noncurrent loans to loans | 1.3763% | 651 |
| Net loans and leases to total assets | 34.0000% | 4,196 |
| Net loans and leases to deposits | 36.6034% | 4,260 |
| Net loans and leases to core deposits | 38.7354% | 4,251 |
| Total domestic deposits to total assets | 92.8800% | 157 |
| Equity capital to assets | 6.2264% | 4,169 |
| Core capital (leverage) ratio | 10.8585% | 2,116 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $89,461,333 | 3,898 |
| Average earning assets | $84,775,333 | 3,863 |
| Average equity | $5,495,000 | 4,227 |
| Average total loans | $30,054,000 | 4,130 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7689% | 4,389 |
| Cost of funding earning assets | 1.1887% | 3,751 |
| Net interest margin | 2.5802% | 3,743 |
| Noninterest income to average assets | 0.4800% | 1,876 |
| Noninterest expense to average assets | 2.2312% | 2,984 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 0.6917% | 2,871 |
| Return on assets (ROA) | 0.6917% | 2,890 |
| Pretax return on assets | 0.6917% | 3,179 |
| Return on Equity (ROE) | 11.3400% | 1,758 |
| Retained earnings to average equity (ytd only) | 11.3377% | 859 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 74.3511% | 1,709 |
| Assets per employee ($millions) | 6.0644% | 2,790 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5538% | 938 |
| Loan loss allowance to noncurrent loans | 225.5102% | 2,276 |
| Noncurrent assets plus other real estate owned to assets | 0.2155% | 2,281 |
| Noncurrent loans to loans | 0.6890% | 1,286 |
| Net loans and leases to total assets | 30.7900% | 4,260 |
| Net loans and leases to deposits | 33.0353% | 4,302 |
| Net loans and leases to core deposits | 34.7664% | 4,345 |
| Total domestic deposits to total assets | 93.1900% | 172 |
| Equity capital to assets | 6.0000% | 4,202 |
| Core capital (leverage) ratio | 10.7510% | 2,120 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $89,639,500 | 3,919 |
| Average earning assets | $84,799,000 | 3,884 |
| Average equity | $5,468,500 | 4,256 |
| Average total loans | $29,713,500 | 4,157 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3875% | 4,435 |
| Cost of funding earning assets | 0.6996% | 3,930 |
| Net interest margin | 2.6879% | 3,838 |
| Noninterest income to average assets | 0.5600% | 1,679 |
| Noninterest expense to average assets | 2.2334% | 3,032 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.8403% | 2,742 |
| Return on assets (ROA) | 0.8358% | 2,735 |
| Pretax return on assets | 0.8358% | 3,126 |
| Return on Equity (ROE) | 15.0900% | 1,273 |
| Retained earnings to average equity (ytd only) | 1.1874% | 3,787 |
| Net charge-offs to loans | 0.0264% | 1,792 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 94.2500% | 928 |
| Efficiency ratio | 70.8484% | 1,779 |
| Assets per employee ($millions) | 5.5196% | 3,234 |
| Cash dividends to net income (ytd only)* | 92.1333% | 351 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4267% | 1,289 |
| Loan loss allowance to noncurrent loans | 113.3333% | 3,133 |
| Noncurrent assets plus other real estate owned to assets | 0.4416% | 1,258 |
| Noncurrent loans to loans | 1.2588% | 563 |
| Net loans and leases to total assets | 34.5800% | 4,197 |
| Net loans and leases to deposits | 37.1625% | 4,253 |
| Net loans and leases to core deposits | 38.5170% | 4,305 |
| Total domestic deposits to total assets | 93.0500% | 171 |
| Equity capital to assets | 6.2041% | 4,195 |
| Core capital (leverage) ratio | 11.0798% | 1,902 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $89,729,800 | 3,915 |
| Average earning assets | $84,043,200 | 3,891 |
| Average equity | $4,969,000 | 4,263 |
| Average total loans | $30,352,000 | 4,131 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3442% | 4,439 |
| Cost of funding earning assets | 0.6151% | 3,944 |
| Net interest margin | 2.7291% | 3,842 |
| Noninterest income to average assets | 0.4900% | 2,012 |
| Noninterest expense to average assets | 2.1920% | 3,099 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.8510% | 2,854 |
| Return on assets (ROA) | 0.8451% | 2,859 |
| Pretax return on assets | 0.8451% | 3,228 |
| Return on Equity (ROE) | 15.7200% | 1,301 |
| Retained earnings to average equity (ytd only) | 8.0689% | 1,941 |
| Net charge-offs to loans | 0.0353% | 1,385 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 71.8750% | 1,098 |
| Efficiency ratio | 70.2335% | 1,757 |
| Assets per employee ($millions) | 5.3882% | 3,273 |
| Cash dividends to net income (ytd only)* | 48.6865% | 1,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3998% | 1,443 |
| Loan loss allowance to noncurrent loans | 63.8728% | 3,524 |
| Noncurrent assets plus other real estate owned to assets | 0.8027% | 697 |
| Noncurrent loans to loans | 2.1915% | 248 |
| Net loans and leases to total assets | 36.1100% | 4,180 |
| Net loans and leases to deposits | 39.0361% | 4,231 |
| Net loans and leases to core deposits | 40.4574% | 4,248 |
| Total domestic deposits to total assets | 92.5100% | 372 |
| Equity capital to assets | 4.9622% | 4,258 |
| Core capital (leverage) ratio | 11.3332% | 1,774 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $90,084,000 | 3,927 |
| Average earning assets | $84,322,250 | 3,904 |
| Average equity | $4,841,500 | 4,282 |
| Average total loans | $30,194,750 | 4,154 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3140% | 4,455 |
| Cost of funding earning assets | 0.4971% | 3,984 |
| Net interest margin | 2.8169% | 3,795 |
| Noninterest income to average assets | 0.3900% | 2,505 |
| Noninterest expense to average assets | 2.1581% | 3,193 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.8689% | 2,857 |
| Return on assets (ROA) | 0.8602% | 2,888 |
| Pretax return on assets | 0.8602% | 3,262 |
| Return on Equity (ROE) | 15.6300% | 1,333 |
| Retained earnings to average equity (ytd only) | 10.1007% | 1,377 |
| Net charge-offs to loans | 0.0135% | 1,688 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 198.5000% | 612 |
| Efficiency ratio | 69.4866% | 1,811 |
| Assets per employee ($millions) | 5.5017% | 3,151 |
| Cash dividends to net income (ytd only)* | 35.3690% | 1,892 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4566% | 1,323 |
| Loan loss allowance to noncurrent loans | 85.6597% | 3,372 |
| Noncurrent assets plus other real estate owned to assets | 0.5941% | 910 |
| Noncurrent loans to loans | 1.7005% | 362 |
| Net loans and leases to total assets | 34.4300% | 4,227 |
| Net loans and leases to deposits | 37.4113% | 4,266 |
| Net loans and leases to core deposits | 38.7442% | 4,279 |
| Total domestic deposits to total assets | 92.0300% | 406 |
| Equity capital to assets | 5.7698% | 4,212 |
| Core capital (leverage) ratio | 10.8368% | 2,024 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $91,375,000 | 3,927 |
| Average earning assets | $85,698,000 | 3,902 |
| Average equity | $5,029,333 | 4,294 |
| Average total loans | $29,734,333 | 4,167 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2582% | 4,466 |
| Cost of funding earning assets | 0.3768% | 4,018 |
| Net interest margin | 2.8814% | 3,818 |
| Noninterest income to average assets | 0.3900% | 2,457 |
| Noninterest expense to average assets | 2.1580% | 3,231 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.9285% | 2,761 |
| Return on assets (ROA) | 0.9285% | 2,721 |
| Pretax return on assets | 0.9285% | 3,171 |
| Return on Equity (ROE) | 17.2600% | 1,136 |
| Retained earnings to average equity (ytd only) | 17.2645% | 573 |
| Net charge-offs to loans | 0.0274% | 1,148 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 108.0000% | 751 |
| Efficiency ratio | 68.1058% | 1,960 |
| Assets per employee ($millions) | 6.2177% | 2,569 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5345% | 1,163 |
| Loan loss allowance to noncurrent loans | 497.7778% | 1,645 |
| Noncurrent assets plus other real estate owned to assets | 0.0965% | 2,856 |
| Noncurrent loans to loans | 0.3083% | 2,042 |
| Net loans and leases to total assets | 30.8200% | 4,353 |
| Net loans and leases to deposits | 32.9932% | 4,394 |
| Net loans and leases to core deposits | 33.6789% | 4,400 |
| Total domestic deposits to total assets | 93.4200% | 243 |
| Equity capital to assets | 5.9561% | 4,217 |
| Core capital (leverage) ratio | 10.4465% | 2,290 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $93,049,000 | 3,968 |
| Average earning assets | $87,042,500 | 3,942 |
| Average equity | $5,004,500 | 4,351 |
| Average total loans | $29,223,500 | 4,236 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8046% | 4,193 |
| Cost of funding earning assets | 0.2430% | 2,779 |
| Net interest margin | 2.5615% | 4,149 |
| Noninterest income to average assets | 0.7400% | 1,176 |
| Noninterest expense to average assets | 2.0091% | 3,463 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.0663% | 2,228 |
| Return on assets (ROA) | 1.0663% | 2,185 |
| Pretax return on assets | 1.0663% | 2,822 |
| Return on Equity (ROE) | 16.2700% | 927 |
| Retained earnings to average equity (ytd only) | 10.5101% | 1,196 |
| Net charge-offs to loans | -0.0145% | 3,865 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 63.6484% | 2,599 |
| Assets per employee ($millions) | 5.8752% | 2,873 |
| Cash dividends to net income (ytd only)* | 35.4140% | 1,786 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5369% | 1,199 |
| Loan loss allowance to noncurrent loans | 90.7258% | 3,444 |
| Noncurrent assets plus other real estate owned to assets | 0.5276% | 1,025 |
| Noncurrent loans to loans | 1.6940% | 384 |
| Net loans and leases to total assets | 30.6700% | 4,404 |
| Net loans and leases to deposits | 32.0308% | 4,467 |
| Net loans and leases to core deposits | 32.4242% | 4,474 |
| Total domestic deposits to total assets | 95.7500% | 149 |
| Equity capital to assets | 3.6744% | 4,521 |
| Core capital (leverage) ratio | 9.9459% | 2,609 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $98,152,000 | 3,968 |
| Average earning assets | $89,423,500 | 3,964 |
| Average equity | $6,431,750 | 4,322 |
| Average total loans | $27,567,000 | 4,307 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6790% | 4,172 |
| Cost of funding earning assets | 0.2462% | 2,323 |
| Net interest margin | 2.4329% | 4,185 |
| Noninterest income to average assets | 0.3436% | 3,096 |
| Noninterest expense to average assets | 1.9290% | 3,636 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.6189% | 3,573 |
| Return on assets (ROA) | 0.6189% | 3,524 |
| Pretax return on assets | 0.6189% | 3,776 |
| Return on Equity (ROE) | 8.2970% | 2,936 |
| Retained earnings to average equity (ytd only) | 4.5526% | 2,859 |
| Net charge-offs to loans | -0.0296% | 4,032 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7382% | 1,537 |
| Assets per employee ($millions) | 6.1478% | 2,616 |
| Cash dividends to net income (ytd only)* | 45.1299% | 1,506 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6998% | 958 |
| Loan loss allowance to noncurrent loans | 71.5873% | 3,628 |
| Noncurrent assets plus other real estate owned to assets | 0.6405% | 861 |
| Noncurrent loans to loans | 2.3745% | 253 |
| Net loans and leases to total assets | 26.5148% | 4,549 |
| Net loans and leases to deposits | 28.1929% | 4,583 |
| Net loans and leases to core deposits | 28.6089% | 4,587 |
| Total domestic deposits to total assets | 94.0476% | 273 |
| Equity capital to assets | 5.4552% | 4,377 |
| Core capital (leverage) ratio | 9.3248% | 3,100 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $99,535,000 | 3,996 |
| Average earning assets | $90,182,000 | 4,007 |
| Average equity | $7,424,333 | 4,261 |
| Average total loans | $26,996,333 | 4,373 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7870% | 3,770 |
| Cost of funding earning assets | 0.2607% | 2,037 |
| Net interest margin | 2.5263% | 3,845 |
| Noninterest income to average assets | 0.3636% | 2,917 |
| Noninterest expense to average assets | 1.9337% | 3,596 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.6752% | 3,143 |
| Return on assets (ROA) | 0.6752% | 3,128 |
| Pretax return on assets | 0.6752% | 3,461 |
| Return on Equity (ROE) | 7.9967% | 2,694 |
| Retained earnings to average equity (ytd only) | 7.9967% | 1,585 |
| Net charge-offs to loans | -0.0441% | 4,216 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.1286% | 1,958 |
| Assets per employee ($millions) | 5.9584% | 2,843 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7393% | 985 |
| Loan loss allowance to noncurrent loans | 68.1818% | 3,681 |
| Noncurrent assets plus other real estate owned to assets | 0.6516% | 911 |
| Noncurrent loans to loans | 2.5510% | 232 |
| Net loans and leases to total assets | 25.0977% | 4,592 |
| Net loans and leases to deposits | 27.1431% | 4,619 |
| Net loans and leases to core deposits | 27.5377% | 4,625 |
| Total domestic deposits to total assets | 92.4644% | 414 |
| Equity capital to assets | 7.0637% | 4,182 |
| Core capital (leverage) ratio | 8.9757% | 3,386 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $100,120,500 | 4,005 |
| Average earning assets | $88,984,500 | 4,032 |
| Average equity | $8,453,500 | 4,217 |
| Average total loans | $27,228,500 | 4,385 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9069% | 4,040 |
| Cost of funding earning assets | 0.3064% | 2,343 |
| Net interest margin | 2.6005% | 4,047 |
| Noninterest income to average assets | 0.5191% | 2,486 |
| Noninterest expense to average assets | 2.0710% | 3,468 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.7633% | 3,444 |
| Return on assets (ROA) | 0.8891% | 3,141 |
| Pretax return on assets | 0.8891% | 3,535 |
| Return on Equity (ROE) | 8.1924% | 3,160 |
| Retained earnings to average equity (ytd only) | 1.9483% | 3,991 |
| Net charge-offs to loans | -0.1675% | 4,680 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2048% | 1,591 |
| Assets per employee ($millions) | 5.8205% | 2,931 |
| Cash dividends to net income (ytd only)* | 76.2188% | 576 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5638% | 1,350 |
| Loan loss allowance to noncurrent loans | 14,900.0000% | 107 |
| Noncurrent assets plus other real estate owned to assets | 0.0030% | 4,153 |
| Noncurrent loans to loans | 0.0105% | 4,017 |
| Net loans and leases to total assets | 28.4369% | 4,558 |
| Net loans and leases to deposits | 31.7148% | 4,588 |
| Net loans and leases to core deposits | 32.3154% | 4,599 |
| Total domestic deposits to total assets | 89.6644% | 1,131 |
| Equity capital to assets | 9.8556% | 2,793 |
| Core capital (leverage) ratio | 9.2080% | 3,161 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $94,591,400 | 4,048 |
| Average earning assets | $84,214,000 | 4,077 |
| Average equity | $10,265,600 | 4,096 |
| Average total loans | $28,665,000 | 4,402 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0056% | 3,988 |
| Cost of funding earning assets | 0.3114% | 2,484 |
| Net interest margin | 2.6942% | 3,992 |
| Noninterest income to average assets | 0.4991% | 2,624 |
| Noninterest expense to average assets | 2.0947% | 3,381 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.8099% | 3,505 |
| Return on assets (ROA) | 0.9411% | 3,199 |
| Pretax return on assets | 0.9411% | 3,603 |
| Return on Equity (ROE) | 8.4662% | 3,266 |
| Retained earnings to average equity (ytd only) | 4.9130% | 3,248 |
| Net charge-offs to loans | -0.0790% | 4,526 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2504% | 1,575 |
| Assets per employee ($millions) | 5.6214% | 3,072 |
| Cash dividends to net income (ytd only)* | 41.9697% | 1,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4865% | 1,688 |
| Loan loss allowance to noncurrent loans | 533.3333% | 1,297 |
| Noncurrent assets plus other real estate owned to assets | 0.0816% | 3,556 |
| Noncurrent loans to loans | 0.2787% | 2,801 |
| Net loans and leases to total assets | 28.8501% | 4,620 |
| Net loans and leases to deposits | 32.5509% | 4,664 |
| Net loans and leases to core deposits | 33.1957% | 4,670 |
| Total domestic deposits to total assets | 88.6305% | 1,494 |
| Equity capital to assets | 10.8609% | 2,115 |
| Core capital (leverage) ratio | 9.7779% | 2,743 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $93,502,000 | 4,108 |
| Average earning assets | $83,486,500 | 4,139 |
| Average equity | $10,394,000 | 4,146 |
| Average total loans | $28,685,000 | 4,461 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1992% | 3,684 |
| Cost of funding earning assets | 0.3132% | 2,651 |
| Net interest margin | 2.8860% | 3,607 |
| Noninterest income to average assets | 0.4482% | 2,855 |
| Noninterest expense to average assets | 2.1117% | 3,354 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.9180% | 3,170 |
| Return on assets (ROA) | 1.0559% | 2,771 |
| Pretax return on assets | 1.0559% | 3,316 |
| Return on Equity (ROE) | 9.4240% | 2,972 |
| Retained earnings to average equity (ytd only) | 6.7506% | 2,521 |
| Net charge-offs to loans | -0.0692% | 4,500 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9232% | 1,887 |
| Assets per employee ($millions) | 5.5621% | 3,048 |
| Cash dividends to net income (ytd only)* | 28.3673% | 2,134 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4562% | 1,737 |
| Loan loss allowance to noncurrent loans | 358.7719% | 1,654 |
| Noncurrent assets plus other real estate owned to assets | 0.1206% | 3,430 |
| Noncurrent loans to loans | 0.4059% | 2,464 |
| Net loans and leases to total assets | 29.2715% | 4,673 |
| Net loans and leases to deposits | 33.0863% | 4,705 |
| Net loans and leases to core deposits | 33.7483% | 4,714 |
| Total domestic deposits to total assets | 88.4703% | 1,580 |
| Equity capital to assets | 11.0527% | 1,944 |
| Core capital (leverage) ratio | 9.7028% | 2,691 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $92,815,000 | 4,145 |
| Average earning assets | $83,020,667 | 4,170 |
| Average equity | $10,399,000 | 4,162 |
| Average total loans | $28,918,000 | 4,487 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4190% | 3,139 |
| Cost of funding earning assets | 0.3117% | 2,875 |
| Net interest margin | 3.1073% | 2,962 |
| Noninterest income to average assets | 0.4307% | 2,929 |
| Noninterest expense to average assets | 2.1578% | 3,244 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.0485% | 2,643 |
| Return on assets (ROA) | 1.3269% | 1,825 |
| Pretax return on assets | 1.3269% | 2,497 |
| Return on Equity (ROE) | 11.7613% | 2,108 |
| Retained earnings to average equity (ytd only) | 11.7613% | 1,211 |
| Net charge-offs to loans | -0.0818% | 4,573 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6716% | 2,277 |
| Assets per employee ($millions) | 5.4252% | 3,187 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4790% | 1,677 |
| 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 | 29.2511% | 4,715 |
| Net loans and leases to deposits | 33.0722% | 4,743 |
| Net loans and leases to core deposits | 33.8567% | 4,759 |
| Total domestic deposits to total assets | 88.4462% | 1,637 |
| Equity capital to assets | 11.0779% | 1,804 |
| Core capital (leverage) ratio | 9.9282% | 2,606 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $91,944,500 | 4,162 |
| Average earning assets | $82,129,500 | 4,192 |
| Average equity | $10,373,000 | 4,173 |
| Average total loans | $29,333,500 | 4,506 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2295% | 4,419 |
| Cost of funding earning assets | 0.4056% | 3,545 |
| Net interest margin | 2.8239% | 4,229 |
| Noninterest income to average assets | 0.5706% | 2,333 |
| Noninterest expense to average assets | 2.3324% | 3,319 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.8000% | 3,094 |
| Return on assets (ROA) | 0.9362% | 2,684 |
| Pretax return on assets | 0.9362% | 3,263 |
| Return on Equity (ROE) | 7.9442% | 2,842 |
| Retained earnings to average equity (ytd only) | 1.7588% | 3,921 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6022% | 1,617 |
| Assets per employee ($millions) | 5.3918% | 2,964 |
| Cash dividends to net income (ytd only)* | 77.8607% | 703 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2754% | 2,542 |
| Loan loss allowance to noncurrent loans | 39,900.0000% | 26 |
| Noncurrent assets plus other real estate owned to assets | 0.0011% | 4,483 |
| Noncurrent loans to loans | 0.0032% | 4,395 |
| Net loans and leases to total assets | 33.6952% | 4,658 |
| Net loans and leases to deposits | 38.2742% | 4,696 |
| Net loans and leases to core deposits | 39.1897% | 4,716 |
| Total domestic deposits to total assets | 88.0362% | 1,456 |
| Equity capital to assets | 11.4870% | 1,892 |
| Core capital (leverage) ratio | 9.6457% | 2,966 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $85,877,800 | 4,175 |
| Average earning assets | $77,906,800 | 4,189 |
| Average equity | $10,120,600 | 4,180 |
| Average total loans | $28,808,200 | 4,538 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3296% | 4,438 |
| Cost of funding earning assets | 0.4245% | 3,674 |
| Net interest margin | 2.9052% | 4,174 |
| Noninterest income to average assets | 0.5085% | 2,581 |
| Noninterest expense to average assets | 2.3829% | 3,188 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.7627% | 3,240 |
| Return on assets (ROA) | 0.8654% | 2,977 |
| Pretax return on assets | 0.8654% | 3,476 |
| Return on Equity (ROE) | 7.2930% | 3,098 |
| Retained earnings to average equity (ytd only) | 3.5533% | 3,282 |
| Net charge-offs to loans | 0.0142% | 2,609 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 161.0000% | 574 |
| Efficiency ratio | 73.8454% | 1,420 |
| Assets per employee ($millions) | 5.0854% | 3,134 |
| Cash dividends to net income (ytd only)* | 51.2774% | 1,438 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2973% | 2,168 |
| Loan loss allowance to noncurrent loans | 100.7634% | 3,264 |
| Noncurrent assets plus other real estate owned to assets | 0.4546% | 2,365 |
| Noncurrent loans to loans | 1.2875% | 1,154 |
| Net loans and leases to total assets | 34.8510% | 4,715 |
| Net loans and leases to deposits | 40.0151% | 4,749 |
| Net loans and leases to core deposits | 40.8989% | 4,774 |
| Total domestic deposits to total assets | 87.0944% | 1,628 |
| Equity capital to assets | 12.3145% | 1,507 |
| Core capital (leverage) ratio | 10.3222% | 2,407 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $84,432,250 | 4,195 |
| Average earning assets | $76,643,500 | 4,212 |
| Average equity | $10,018,500 | 4,202 |
| Average total loans | $28,189,250 | 4,573 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3917% | 4,547 |
| Cost of funding earning assets | 0.4312% | 3,890 |
| Net interest margin | 2.9606% | 4,210 |
| Noninterest income to average assets | 0.4322% | 2,894 |
| Noninterest expense to average assets | 2.4164% | 3,209 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.7211% | 3,317 |
| Return on assets (ROA) | 0.8047% | 3,150 |
| Pretax return on assets | 0.8047% | 3,571 |
| Return on Equity (ROE) | 6.8710% | 3,181 |
| Retained earnings to average equity (ytd only) | 3.9962% | 2,911 |
| Net charge-offs to loans | 0.0219% | 2,284 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 100.6667% | 698 |
| Efficiency ratio | 75.1142% | 1,359 |
| Assets per employee ($millions) | 5.0435% | 3,121 |
| Cash dividends to net income (ytd only)* | 41.8398% | 1,877 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4280% | 1,489 |
| Loan loss allowance to noncurrent loans | 66.8919% | 3,773 |
| Noncurrent assets plus other real estate owned to assets | 0.6905% | 1,776 |
| Noncurrent loans to loans | 2.1347% | 600 |
| Net loans and leases to total assets | 31.8824% | 4,820 |
| Net loans and leases to deposits | 36.5816% | 4,851 |
| Net loans and leases to core deposits | 37.3933% | 4,864 |
| Total domestic deposits to total assets | 87.1542% | 1,560 |
| Equity capital to assets | 12.2732% | 1,496 |
| Core capital (leverage) ratio | 10.4610% | 2,395 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $83,759,333 | 4,212 |
| Average earning assets | $76,538,667 | 4,218 |
| Average equity | $9,809,333 | 4,240 |
| Average total loans | $27,410,667 | 4,609 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5144% | 4,617 |
| Cost of funding earning assets | 0.4452% | 4,175 |
| Net interest margin | 3.0692% | 4,162 |
| Noninterest income to average assets | 0.4446% | 2,817 |
| Noninterest expense to average assets | 2.4889% | 3,301 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.7877% | 2,947 |
| Return on assets (ROA) | 0.8651% | 2,739 |
| Pretax return on assets | 0.8651% | 3,236 |
| Return on Equity (ROE) | 7.5747% | 2,699 |
| Retained earnings to average equity (ytd only) | 7.5747% | 1,353 |
| Net charge-offs to loans | 0.0440% | 1,589 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 54.3333% | 848 |
| Efficiency ratio | 74.0413% | 1,810 |
| Assets per employee ($millions) | 4.8936% | 2,760 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5332% | 1,236 |
| Loan loss allowance to noncurrent loans | 160.9756% | 2,424 |
| Noncurrent assets plus other real estate owned to assets | 0.2957% | 3,270 |
| Noncurrent loans to loans | 0.9525% | 1,724 |
| Net loans and leases to total assets | 30.5702% | 4,900 |
| Net loans and leases to deposits | 34.7550% | 4,927 |
| Net loans and leases to core deposits | 35.4221% | 4,931 |
| Total domestic deposits to total assets | 87.9592% | 1,129 |
| Equity capital to assets | 11.4951% | 2,440 |
| Core capital (leverage) ratio | 10.6220% | 2,820 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $82,769,000 | 4,228 |
| Average earning assets | $76,370,500 | 4,223 |
| Average equity | $9,452,500 | 4,302 |
| Average total loans | $27,250,000 | 4,649 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5563% | 4,816 |
| Cost of funding earning assets | 0.4644% | 4,226 |
| Net interest margin | 3.0918% | 4,380 |
| Noninterest income to average assets | 0.6165% | 2,157 |
| Noninterest expense to average assets | 2.3296% | 3,873 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.1702% | 2,176 |
| Return on assets (ROA) | 1.1871% | 2,204 |
| Pretax return on assets | 1.1871% | 2,882 |
| Return on Equity (ROE) | 10.8504% | 1,945 |
| Retained earnings to average equity (ytd only) | 1.2460% | 4,294 |
| Net charge-offs to loans | -0.0402% | 4,781 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8397% | 2,965 |
| Assets per employee ($millions) | 4.8439% | 2,783 |
| Cash dividends to net income (ytd only)* | 88.5163% | 559 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3916% | 1,557 |
| Loan loss allowance to noncurrent loans | 148.3271% | 2,618 |
| Noncurrent assets plus other real estate owned to assets | 0.3267% | 3,110 |
| Noncurrent loans to loans | 0.9382% | 1,629 |
| Net loans and leases to total assets | 34.3344% | 4,891 |
| Net loans and leases to deposits | 38.9392% | 4,923 |
| Net loans and leases to core deposits | 39.6903% | 4,952 |
| Total domestic deposits to total assets | 88.1743% | 1,046 |
| Equity capital to assets | 11.3448% | 2,663 |
| Core capital (leverage) ratio | 10.4107% | 3,058 |
| Tier 1 risk-based capital ratio | 21.1772% | 1,135 |
| Total risk-based capital ratio | 22.1598% | 1,158 |
| Memoranda: | ||
| Average total assets | $82,890,600 | 4,244 |
| Average earning assets | $77,300,200 | 4,224 |
| Average equity | $9,068,800 | 4,366 |
| Average total loans | $29,886,800 | 4,646 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5462% | 4,924 |
| Cost of funding earning assets | 0.4663% | 4,282 |
| Net interest margin | 3.0799% | 4,509 |
| Noninterest income to average assets | 0.5396% | 2,513 |
| Noninterest expense to average assets | 2.3076% | 3,932 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.1064% | 2,546 |
| Return on assets (ROA) | 1.1289% | 2,551 |
| Pretax return on assets | 1.1289% | 3,209 |
| Return on Equity (ROE) | 10.4140% | 2,247 |
| Retained earnings to average equity (ytd only) | 6.2218% | 2,273 |
| Net charge-offs to loans | -0.0442% | 4,803 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0395% | 2,722 |
| Assets per employee ($millions) | 4.7609% | 2,838 |
| Cash dividends to net income (ytd only)* | 40.2556% | 2,146 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2849% | 2,034 |
| Loan loss allowance to noncurrent loans | 57.8717% | 4,044 |
| Noncurrent assets plus other real estate owned to assets | 0.8476% | 1,618 |
| Noncurrent loans to loans | 2.2203% | 567 |
| Net loans and leases to total assets | 37.6841% | 4,874 |
| Net loans and leases to deposits | 43.1535% | 4,932 |
| Net loans and leases to core deposits | 44.0058% | 4,959 |
| Total domestic deposits to total assets | 87.3258% | 1,361 |
| Equity capital to assets | 12.1207% | 2,170 |
| Core capital (leverage) ratio | 11.0768% | 2,579 |
| Tier 1 risk-based capital ratio | 20.9634% | 1,197 |
| Total risk-based capital ratio | 21.8998% | 1,218 |
| Memoranda: | ||
| Average total assets | $83,026,750 | 4,294 |
| Average earning assets | $77,489,500 | 4,273 |
| Average equity | $9,000,500 | 4,425 |
| Average total loans | $30,190,500 | 4,699 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4660% | 5,034 |
| Cost of funding earning assets | 0.4598% | 4,288 |
| Net interest margin | 3.0063% | 4,672 |
| Noninterest income to average assets | 0.4754% | 2,814 |
| Noninterest expense to average assets | 2.2622% | 4,100 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.0248% | 2,825 |
| Return on assets (ROA) | 1.0559% | 2,764 |
| Pretax return on assets | 1.0559% | 3,368 |
| Return on Equity (ROE) | 10.1252% | 2,332 |
| Retained earnings to average equity (ytd only) | 6.8723% | 1,864 |
| Net charge-offs to loans | -0.0267% | 4,643 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0058% | 2,682 |
| Assets per employee ($millions) | 4.8194% | 2,717 |
| Cash dividends to net income (ytd only)* | 32.1267% | 2,545 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2802% | 2,095 |
| Loan loss allowance to noncurrent loans | 69.1489% | 3,849 |
| Noncurrent assets plus other real estate owned to assets | 0.6884% | 1,994 |
| Noncurrent loans to loans | 1.8513% | 808 |
| Net loans and leases to total assets | 36.7082% | 4,954 |
| Net loans and leases to deposits | 41.7291% | 5,001 |
| Net loans and leases to core deposits | 42.5347% | 5,035 |
| Total domestic deposits to total assets | 87.9678% | 1,119 |
| Equity capital to assets | 11.5318% | 2,583 |
| Core capital (leverage) ratio | 10.4915% | 3,104 |
| Tier 1 risk-based capital ratio | 20.4668% | 1,261 |
| Total risk-based capital ratio | 21.3780% | 1,296 |
| Memoranda: | ||
| Average total assets | $83,723,670 | 4,311 |
| Average earning assets | $78,303,000 | 4,292 |
| Average equity | $8,730,670 | 4,480 |
| Average total loans | $29,955,000 | 4,737 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3875% | 5,122 |
| Cost of funding earning assets | 0.4493% | 4,290 |
| Net interest margin | 2.9382% | 4,840 |
| Noninterest income to average assets | 0.4680% | 2,746 |
| Noninterest expense to average assets | 2.1839% | 4,299 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.0352% | 2,723 |
| Return on assets (ROA) | 1.0352% | 2,761 |
| Pretax return on assets | 1.0352% | 3,327 |
| Return on Equity (ROE) | 10.4634% | 2,170 |
| Retained earnings to average equity (ytd only) | 10.4634% | 928 |
| Net charge-offs to loans | 0.0404% | 1,693 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 73.0000% | 824 |
| Efficiency ratio | 66.0793% | 2,932 |
| Assets per employee ($millions) | 5.0234% | 2,487 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3272% | 1,970 |
| Loan loss allowance to noncurrent loans | 167.6856% | 2,472 |
| Noncurrent assets plus other real estate owned to assets | 0.2682% | 3,540 |
| Noncurrent loans to loans | 0.7915% | 2,058 |
| Net loans and leases to total assets | 33.4305% | 5,085 |
| Net loans and leases to deposits | 37.4733% | 5,122 |
| Net loans and leases to core deposits | 38.9700% | 5,127 |
| Total domestic deposits to total assets | 89.2117% | 760 |
| Equity capital to assets | 10.3293% | 3,498 |
| Core capital (leverage) ratio | 10.2338% | 3,348 |
| Tier 1 risk-based capital ratio | 20.3241% | 1,279 |
| Total risk-based capital ratio | 21.2247% | 1,319 |
| Memoranda: | ||
| Average total assets | $84,620,500 | 4,345 |
| Average earning assets | $79,232,500 | 4,317 |
| Average equity | $8,372,000 | 4,559 |
| Average total loans | $29,700,000 | 4,794 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3620% | 5,036 |
| Cost of funding earning assets | 0.4100% | 3,927 |
| Net interest margin | 2.9520% | 4,846 |
| Noninterest income to average assets | 0.6250% | 2,168 |
| Noninterest expense to average assets | 2.2553% | 4,216 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.1259% | 2,492 |
| Return on assets (ROA) | 1.1593% | 2,348 |
| Pretax return on assets | 1.1593% | 3,066 |
| Return on Equity (ROE) | 12.4830% | 1,554 |
| Retained earnings to average equity (ytd only) | 3.0308% | 3,883 |
| Net charge-offs to loans | -0.0491% | 4,970 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9383% | 3,039 |
| Assets per employee ($millions) | 4.6579% | 2,948 |
| Cash dividends to net income (ytd only)* | 75.7202% | 841 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2702% | 2,190 |
| Loan loss allowance to noncurrent loans | 342.4779% | 1,473 |
| Noncurrent assets plus other real estate owned to assets | 0.1348% | 4,148 |
| Noncurrent loans to loans | 0.3709% | 3,209 |
| Net loans and leases to total assets | 35.8766% | 5,067 |
| Net loans and leases to deposits | 39.8073% | 5,127 |
| Net loans and leases to core deposits | 41.4063% | 5,139 |
| Total domestic deposits to total assets | 90.1256% | 434 |
| Equity capital to assets | 9.4498% | 4,168 |
| Core capital (leverage) ratio | 10.1126% | 3,446 |
| Tier 1 risk-based capital ratio | 19.5123% | 1,400 |
| Total risk-based capital ratio | 20.4076% | 1,450 |
| Memoranda: | ||
| Average total assets | $83,845,800 | 4,361 |
| Average earning assets | $78,286,600 | 4,340 |
| Average equity | $7,786,600 | 4,635 |
| Average total loans | $28,486,000 | 4,859 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2724% | 5,143 |
| Cost of funding earning assets | 0.3884% | 3,948 |
| Net interest margin | 2.8840% | 4,996 |
| Noninterest income to average assets | 0.5788% | 2,427 |
| Noninterest expense to average assets | 2.2103% | 4,300 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.0606% | 2,819 |
| Return on assets (ROA) | 1.1020% | 2,671 |
| Pretax return on assets | 1.1020% | 3,396 |
| Return on Equity (ROE) | 11.9185% | 1,815 |
| Retained earnings to average equity (ytd only) | 7.0341% | 2,109 |
| Net charge-offs to loans | -0.0381% | 4,835 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7268% | 2,919 |
| Assets per employee ($millions) | 4.5641% | 3,022 |
| Cash dividends to net income (ytd only)* | 40.9814% | 2,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2328% | 2,439 |
| Loan loss allowance to noncurrent loans | 976.9231% | 611 |
| Noncurrent assets plus other real estate owned to assets | 0.0475% | 4,735 |
| Noncurrent loans to loans | 0.1262% | 4,318 |
| Net loans and leases to total assets | 37.1551% | 5,104 |
| Net loans and leases to deposits | 41.1170% | 5,184 |
| Net loans and leases to core deposits | 42.7945% | 5,184 |
| Total domestic deposits to total assets | 90.3643% | 390 |
| Equity capital to assets | 9.1597% | 4,414 |
| Core capital (leverage) ratio | 10.3232% | 3,266 |
| Tier 1 risk-based capital ratio | 19.8110% | 1,376 |
| Total risk-based capital ratio | 20.6892% | 1,416 |
| Memoranda: | ||
| Average total assets | $83,846,500 | 4,407 |
| Average earning assets | $78,267,750 | 4,388 |
| Average equity | $7,752,500 | 4,688 |
| Average total loans | $27,990,750 | 4,919 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1870% | 5,237 |
| Cost of funding earning assets | 0.3736% | 3,916 |
| Net interest margin | 2.8134% | 5,106 |
| Noninterest income to average assets | 0.4478% | 3,163 |
| Noninterest expense to average assets | 2.1798% | 4,415 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.8909% | 3,493 |
| Return on assets (ROA) | 0.9525% | 3,232 |
| Pretax return on assets | 0.9525% | 3,799 |
| Return on Equity (ROE) | 10.2704% | 2,439 |
| Retained earnings to average equity (ytd only) | 6.6425% | 2,235 |
| Net charge-offs to loans | -0.0074% | 4,212 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0586% | 2,477 |
| Assets per employee ($millions) | 4.6531% | 2,881 |
| Cash dividends to net income (ytd only)* | 35.3234% | 2,347 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3118% | 2,110 |
| Loan loss allowance to noncurrent loans | 584.3750% | 979 |
| Noncurrent assets plus other real estate owned to assets | 0.0764% | 4,629 |
| Noncurrent loans to loans | 0.2245% | 3,915 |
| Net loans and leases to total assets | 33.5928% | 5,253 |
| Net loans and leases to deposits | 37.1692% | 5,300 |
| Net loans and leases to core deposits | 38.6510% | 5,311 |
| Total domestic deposits to total assets | 90.3780% | 440 |
| Equity capital to assets | 9.1934% | 4,389 |
| Core capital (leverage) ratio | 10.0948% | 3,486 |
| Tier 1 risk-based capital ratio | 20.1078% | 1,301 |
| Total risk-based capital ratio | 20.9994% | 1,342 |
| Memoranda: | ||
| Average total assets | $84,411,000 | 4,439 |
| Average earning assets | $78,694,330 | 4,429 |
| Average equity | $7,828,330 | 4,726 |
| Average total loans | $27,019,330 | 4,993 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1458% | 5,279 |
| Cost of funding earning assets | 0.3602% | 3,912 |
| Net interest margin | 2.7856% | 5,170 |
| Noninterest income to average assets | 0.4768% | 2,962 |
| Noninterest expense to average assets | 2.1431% | 4,545 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.9252% | 3,181 |
| Return on assets (ROA) | 1.0054% | 2,852 |
| Pretax return on assets | 1.0054% | 3,513 |
| Return on Equity (ROE) | 10.7951% | 2,048 |
| Retained earnings to average equity (ytd only) | 10.7951% | 942 |
| Net charge-offs to loans | -0.0152% | 4,423 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3077% | 2,782 |
| Assets per employee ($millions) | 4.7624% | 2,780 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5179% | 1,400 |
| Loan loss allowance to noncurrent loans | 779.1667% | 740 |
| Noncurrent assets plus other real estate owned to assets | 0.0560% | 4,816 |
| Noncurrent loans to loans | 0.1948% | 4,089 |
| Net loans and leases to total assets | 28.3063% | 5,403 |
| Net loans and leases to deposits | 31.2206% | 5,430 |
| Net loans and leases to core deposits | 32.4277% | 5,431 |
| Total domestic deposits to total assets | 90.6653% | 421 |
| Equity capital to assets | 8.9533% | 4,611 |
| Core capital (leverage) ratio | 9.6966% | 3,849 |
| Tier 1 risk-based capital ratio | 20.9675% | 1,208 |
| Total risk-based capital ratio | 21.9040% | 1,231 |
| Memoranda: | ||
| Average total assets | $84,738,500 | 4,480 |
| Average earning assets | $78,834,500 | 4,473 |
| Average equity | $7,892,500 | 4,764 |
| Average total loans | $26,274,000 | 5,069 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0912% | 5,301 |
| Cost of funding earning assets | 0.3642% | 3,574 |
| Net interest margin | 2.7270% | 5,250 |
| Noninterest income to average assets | 0.6310% | 2,303 |
| Noninterest expense to average assets | 2.1438% | 4,666 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.0288% | 2,125 |
| Return on assets (ROA) | 1.0964% | 1,884 |
| Pretax return on assets | 1.0964% | 3,199 |
| Return on Equity (ROE) | 11.3196% | 1,389 |
| Retained earnings to average equity (ytd only) | 2.6613% | 3,732 |
| Net charge-offs to loans | 0.0677% | 2,492 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 49.0000% | 1,098 |
| Efficiency ratio | 65.7353% | 3,315 |
| Assets per employee ($millions) | 4.6530% | 2,946 |
| Cash dividends to net income (ytd only)* | 76.4894% | 965 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3365% | 2,040 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 32.8772% | 5,372 |
| Net loans and leases to deposits | 36.5538% | 5,417 |
| Net loans and leases to core deposits | 38.1745% | 5,420 |
| Total domestic deposits to total assets | 89.9420% | 590 |
| Equity capital to assets | 9.6831% | 4,050 |
| Core capital (leverage) ratio | 9.5117% | 4,036 |
| Tier 1 risk-based capital ratio | 19.6674% | 1,388 |
| Total risk-based capital ratio | 20.5676% | 1,424 |
| Memoranda: | ||
| Average total assets | $85,734,000 | 4,489 |
| Average earning assets | $79,903,800 | 4,464 |
| Average equity | $8,304,200 | 4,735 |
| Average total loans | $26,596,600 | 5,109 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0200% | 5,394 |
| Cost of funding earning assets | 0.3613% | 3,550 |
| Net interest margin | 2.6587% | 5,364 |
| Noninterest income to average assets | 0.5535% | 2,712 |
| Noninterest expense to average assets | 2.1106% | 4,711 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.9123% | 2,960 |
| Return on assets (ROA) | 0.9880% | 2,665 |
| Pretax return on assets | 0.9880% | 3,732 |
| Return on Equity (ROE) | 10.2000% | 2,036 |
| Retained earnings to average equity (ytd only) | 5.6666% | 2,452 |
| Net charge-offs to loans | 0.0812% | 1,992 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 36.8800% | 1,381 |
| Efficiency ratio | 67.9284% | 2,885 |
| Assets per employee ($millions) | 4.7005% | 2,833 |
| Cash dividends to net income (ytd only)* | 44.4447% | 2,043 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3567% | 2,092 |
| Loan loss allowance to noncurrent loans | 162.3377% | 2,617 |
| Noncurrent assets plus other real estate owned to assets | 0.2730% | 3,979 |
| Noncurrent loans to loans | 0.8357% | 2,273 |
| Net loans and leases to total assets | 32.2259% | 5,448 |
| Net loans and leases to deposits | 36.1063% | 5,494 |
| Net loans and leases to core deposits | 37.6998% | 5,496 |
| Total domestic deposits to total assets | 89.2529% | 761 |
| Equity capital to assets | 10.3181% | 3,576 |
| Core capital (leverage) ratio | 9.7185% | 3,914 |
| Tier 1 risk-based capital ratio | 20.1089% | 1,340 |
| Total risk-based capital ratio | 21.0208% | 1,378 |
| Memoranda: | ||
| Average total assets | $86,229,000 | 4,525 |
| Average earning assets | $80,086,000 | 4,508 |
| Average equity | $8,352,750 | 4,776 |
| Average total loans | $26,268,500 | 5,170 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9759% | 5,455 |
| Cost of funding earning assets | 0.3608% | 3,473 |
| Net interest margin | 2.6151% | 5,425 |
| Noninterest income to average assets | 0.4402% | 3,417 |
| Noninterest expense to average assets | 2.0883% | 4,794 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.7745% | 3,522 |
| Return on assets (ROA) | 0.8229% | 3,340 |
| Pretax return on assets | 0.8229% | 4,192 |
| Return on Equity (ROE) | 8.6787% | 2,677 |
| Retained earnings to average equity (ytd only) | 5.2267% | 2,563 |
| Net charge-offs to loans | 0.1162% | 1,474 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 22.4000% | 1,711 |
| Efficiency ratio | 70.9340% | 2,521 |
| Assets per employee ($millions) | 4.7948% | 2,660 |
| Cash dividends to net income (ytd only)* | 39.7759% | 2,333 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4582% | 1,732 |
| Loan loss allowance to noncurrent loans | 596.8254% | 890 |
| Noncurrent assets plus other real estate owned to assets | 0.0730% | 4,904 |
| Noncurrent loans to loans | 0.2443% | 4,156 |
| Net loans and leases to total assets | 29.4414% | 5,555 |
| Net loans and leases to deposits | 32.9009% | 5,594 |
| Net loans and leases to core deposits | 34.3160% | 5,595 |
| Total domestic deposits to total assets | 89.4852% | 729 |
| Equity capital to assets | 10.0780% | 3,822 |
| Core capital (leverage) ratio | 9.2688% | 4,401 |
| Tier 1 risk-based capital ratio | 20.2904% | 1,303 |
| Total risk-based capital ratio | 21.2302% | 1,336 |
| Memoranda: | ||
| Average total assets | $86,769,000 | 4,546 |
| Average earning assets | $80,379,670 | 4,527 |
| Average equity | $8,227,000 | 4,821 |
| Average total loans | $25,811,000 | 5,222 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9382% | 5,513 |
| Cost of funding earning assets | 0.3574% | 3,453 |
| Net interest margin | 2.5809% | 5,485 |
| Noninterest income to average assets | 0.4138% | 3,569 |
| Noninterest expense to average assets | 2.1011% | 4,846 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.7034% | 3,689 |
| Return on assets (ROA) | 0.7540% | 3,512 |
| Pretax return on assets | 0.7540% | 4,273 |
| Return on Equity (ROE) | 8.2087% | 2,804 |
| Retained earnings to average equity (ytd only) | 8.2087% | 1,371 |
| Net charge-offs to loans | 0.0155% | 2,492 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 153.0000% | 356 |
| Efficiency ratio | 72.9508% | 2,412 |
| Assets per employee ($millions) | 4.9926% | 2,458 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6130% | 1,346 |
| Loan loss allowance to noncurrent loans | 129.1391% | 3,143 |
| Noncurrent assets plus other real estate owned to assets | 0.3361% | 3,851 |
| Noncurrent loans to loans | 1.2490% | 1,617 |
| Net loans and leases to total assets | 26.4716% | 5,662 |
| Net loans and leases to deposits | 29.2723% | 5,688 |
| Net loans and leases to core deposits | 30.4640% | 5,688 |
| Total domestic deposits to total assets | 90.4324% | 497 |
| Equity capital to assets | 9.1648% | 4,652 |
| Core capital (leverage) ratio | 9.2243% | 4,443 |
| Tier 1 risk-based capital ratio | 20.4796% | 1,301 |
| Total risk-based capital ratio | 21.4713% | 1,318 |
| Memoranda: | ||
| Average total assets | $87,000,000 | 4,587 |
| Average earning assets | $80,592,500 | 4,571 |
| Average equity | $7,991,500 | 4,899 |
| Average total loans | $25,823,500 | 5,277 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0837% | 5,422 |
| Cost of funding earning assets | 0.3882% | 3,121 |
| Net interest margin | 2.6955% | 5,423 |
| Noninterest income to average assets | 0.6829% | 2,252 |
| Noninterest expense to average assets | 2.1907% | 4,792 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.9492% | 2,591 |
| Return on assets (ROA) | 1.1160% | 1,926 |
| Pretax return on assets | 1.1160% | 3,041 |
| Return on Equity (ROE) | 10.8836% | 1,625 |
| Retained earnings to average equity (ytd only) | 2.7815% | 3,921 |
| Net charge-offs to loans | -0.1127% | 5,623 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8854% | 3,260 |
| Assets per employee ($millions) | 4.6741% | 2,836 |
| Cash dividends to net income (ytd only)* | 74.4433% | 1,121 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4235% | 1,992 |
| Loan loss allowance to noncurrent loans | 2,172.2222% | 316 |
| Noncurrent assets plus other real estate owned to assets | 0.0214% | 5,303 |
| Noncurrent loans to loans | 0.0655% | 4,980 |
| Net loans and leases to total assets | 32.1832% | 5,593 |
| Net loans and leases to deposits | 35.5906% | 5,648 |
| Net loans and leases to core deposits | 37.1396% | 5,656 |
| Total domestic deposits to total assets | 90.4260% | 473 |
| Equity capital to assets | 9.2079% | 4,574 |
| Core capital (leverage) ratio | 9.3311% | 4,317 |
| Tier 1 risk-based capital ratio | 19.5271% | 1,471 |
| Total risk-based capital ratio | 20.4962% | 1,497 |
| Memoranda: | ||
| Average total assets | $84,495,400 | 4,636 |
| Average earning assets | $77,017,000 | 4,648 |
| Average equity | $8,664,400 | 4,807 |
| Average total loans | $27,503,400 | 5,284 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1105% | 5,460 |
| Cost of funding earning assets | 0.3929% | 3,093 |
| Net interest margin | 2.7175% | 5,474 |
| Noninterest income to average assets | 0.5328% | 3,033 |
| Noninterest expense to average assets | 2.2162% | 4,731 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.7802% | 3,455 |
| Return on assets (ROA) | 1.0025% | 2,559 |
| Pretax return on assets | 1.0025% | 3,620 |
| Return on Equity (ROE) | 9.5346% | 2,258 |
| Retained earnings to average equity (ytd only) | 5.2770% | 2,647 |
| Net charge-offs to loans | 0.0242% | 3,186 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 98.9475% | 668 |
| Efficiency ratio | 71.9621% | 2,588 |
| Assets per employee ($millions) | 4.5412% | 3,018 |
| Cash dividends to net income (ytd only)* | 44.6544% | 2,141 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2506% | 2,956 |
| Loan loss allowance to noncurrent loans | 5,071.4286% | 147 |
| Noncurrent assets plus other real estate owned to assets | 0.0086% | 5,496 |
| Noncurrent loans to loans | 0.0247% | 5,284 |
| Net loans and leases to total assets | 34.2937% | 5,614 |
| Net loans and leases to deposits | 38.7932% | 5,661 |
| Net loans and leases to core deposits | 40.5714% | 5,666 |
| Total domestic deposits to total assets | 88.4012% | 1,189 |
| Equity capital to assets | 11.1303% | 2,884 |
| Core capital (leverage) ratio | 9.7669% | 3,852 |
| Tier 1 risk-based capital ratio | 19.5846% | 1,527 |
| Total risk-based capital ratio | 20.4562% | 1,585 |
| Memoranda: | ||
| Average total assets | $84,585,750 | 4,673 |
| Average earning assets | $76,685,250 | 4,693 |
| Average equity | $8,893,750 | 4,825 |
| Average total loans | $27,512,250 | 5,332 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0615% | 5,582 |
| Cost of funding earning assets | 0.3944% | 3,103 |
| Net interest margin | 2.6671% | 5,606 |
| Noninterest income to average assets | 0.4373% | 3,618 |
| Noninterest expense to average assets | 2.1956% | 4,855 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.6454% | 4,062 |
| Return on assets (ROA) | 0.7810% | 3,542 |
| Pretax return on assets | 0.7810% | 4,346 |
| Return on Equity (ROE) | 7.5688% | 3,223 |
| Retained earnings to average equity (ytd only) | 4.3509% | 3,149 |
| Net charge-offs to loans | -0.0367% | 5,231 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.2263% | 2,192 |
| Assets per employee ($millions) | 4.7206% | 2,673 |
| Cash dividends to net income (ytd only)* | 42.5150% | 2,311 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3315% | 2,613 |
| Loan loss allowance to noncurrent loans | 244.9664% | 1,928 |
| Noncurrent assets plus other real estate owned to assets | 0.3401% | 4,130 |
| Noncurrent loans to loans | 0.5435% | 3,441 |
| Net loans and leases to total assets | 31.8320% | 5,745 |
| Net loans and leases to deposits | 35.8328% | 5,793 |
| Net loans and leases to core deposits | 37.2706% | 5,803 |
| Total domestic deposits to total assets | 88.8350% | 996 |
| Equity capital to assets | 10.7578% | 3,336 |
| Core capital (leverage) ratio | 9.3851% | 4,354 |
| Tier 1 risk-based capital ratio | 19.0268% | 1,689 |
| Total risk-based capital ratio | 19.9166% | 1,728 |
| Memoranda: | ||
| Average total assets | $85,534,000 | 4,700 |
| Average earning assets | $77,087,330 | 4,729 |
| Average equity | $8,825,670 | 4,868 |
| Average total loans | $27,220,670 | 5,395 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0443% | 5,648 |
| Cost of funding earning assets | 0.3955% | 3,129 |
| Net interest margin | 2.6488% | 5,667 |
| Noninterest income to average assets | 0.4335% | 3,591 |
| Noninterest expense to average assets | 2.2700% | 4,743 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.5360% | 4,481 |
| Return on assets (ROA) | 0.8017% | 3,355 |
| Pretax return on assets | 0.8017% | 4,187 |
| Return on Equity (ROE) | 7.9372% | 2,951 |
| Retained earnings to average equity (ytd only) | 7.9372% | 1,483 |
| Net charge-offs to loans | 0.0147% | 2,646 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 115.0000% | 487 |
| Efficiency ratio | 78.7375% | 1,795 |
| Assets per employee ($millions) | 4.7517% | 2,671 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4189% | 2,338 |
| Loan loss allowance to noncurrent loans | 59.6346% | 4,590 |
| Noncurrent assets plus other real estate owned to assets | 0.9716% | 2,282 |
| Noncurrent loans to loans | 2.3793% | 822 |
| Net loans and leases to total assets | 29.1625% | 5,846 |
| Net loans and leases to deposits | 32.6543% | 5,891 |
| Net loans and leases to core deposits | 33.9462% | 5,892 |
| Total domestic deposits to total assets | 89.3068% | 942 |
| Equity capital to assets | 10.3319% | 3,705 |
| Core capital (leverage) ratio | 9.1235% | 4,703 |
| Tier 1 risk-based capital ratio | 19.3256% | 1,650 |
| Total risk-based capital ratio | 20.2183% | 1,708 |
| Memoranda: | ||
| Average total assets | $85,815,500 | 4,737 |
| Average earning assets | $76,865,000 | 4,775 |
| Average equity | $8,668,000 | 4,925 |
| Average total loans | $27,124,500 | 5,446 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3294% | 5,296 |
| Cost of funding earning assets | 0.4212% | 2,926 |
| Net interest margin | 2.9081% | 5,323 |
| Noninterest income to average assets | 0.9052% | 1,434 |
| Noninterest expense to average assets | 2.2506% | 4,918 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.2101% | 1,514 |
| Return on assets (ROA) | 1.2481% | 1,444 |
| Pretax return on assets | 1.2481% | 2,474 |
| Return on Equity (ROE) | 12.4309% | 1,201 |
| Retained earnings to average equity (ytd only) | 4.0885% | 3,095 |
| Net charge-offs to loans | -0.0377% | 5,477 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3185% | 4,395 |
| Assets per employee ($millions) | 4.7833% | 2,630 |
| Cash dividends to net income (ytd only)* | 67.1103% | 1,385 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2437% | 3,220 |
| Loan loss allowance to noncurrent loans | 180.0000% | 2,450 |
| Noncurrent assets plus other real estate owned to assets | 0.7956% | 2,682 |
| Noncurrent loans to loans | 0.6909% | 3,123 |
| Net loans and leases to total assets | 33.2021% | 5,799 |
| Net loans and leases to deposits | 36.9752% | 5,866 |
| Net loans and leases to core deposits | 38.4172% | 5,867 |
| Total domestic deposits to total assets | 89.7956% | 718 |
| Equity capital to assets | 9.8711% | 4,114 |
| Core capital (leverage) ratio | 8.8736% | 5,033 |
| Tier 1 risk-based capital ratio | 18.0779% | 1,941 |
| Total risk-based capital ratio | 18.9355% | 2,012 |
| Memoranda: | ||
| Average total assets | $84,287,800 | 4,785 |
| Average earning assets | $74,068,200 | 4,854 |
| Average equity | $8,462,800 | 4,966 |
| Average total loans | $29,178,200 | 5,393 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3341% | 5,352 |
| Cost of funding earning assets | 0.4272% | 2,939 |
| Net interest margin | 2.9069% | 5,400 |
| Noninterest income to average assets | 0.7348% | 2,088 |
| Noninterest expense to average assets | 2.1550% | 5,152 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.1228% | 1,917 |
| Return on assets (ROA) | 1.1673% | 1,836 |
| Pretax return on assets | 1.1673% | 2,941 |
| Return on Equity (ROE) | 11.5764% | 1,503 |
| Retained earnings to average equity (ytd only) | 7.6020% | 1,415 |
| Net charge-offs to loans | -0.0274% | 5,314 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9010% | 4,268 |
| Assets per employee ($millions) | 4.7286% | 2,657 |
| Cash dividends to net income (ytd only)* | 34.3323% | 2,603 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1671% | 3,831 |
| Loan loss allowance to noncurrent loans | 348.0392% | 1,406 |
| Noncurrent assets plus other real estate owned to assets | 0.7355% | 3,071 |
| Noncurrent loans to loans | 0.3353% | 4,408 |
| Net loans and leases to total assets | 35.3185% | 5,802 |
| Net loans and leases to deposits | 39.5805% | 5,882 |
| Net loans and leases to core deposits | 41.4354% | 5,871 |
| Total domestic deposits to total assets | 89.2321% | 907 |
| Equity capital to assets | 10.3414% | 3,769 |
| Core capital (leverage) ratio | 9.0951% | 4,890 |
| Tier 1 risk-based capital ratio | 18.0345% | 2,018 |
| Total risk-based capital ratio | 18.8647% | 2,113 |
| Memoranda: | ||
| Average total assets | $83,834,750 | 4,852 |
| Average earning assets | $73,341,500 | 4,928 |
| Average equity | $8,453,750 | 5,032 |
| Average total loans | $29,236,000 | 5,453 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3232% | 5,393 |
| Cost of funding earning assets | 0.4309% | 2,926 |
| Net interest margin | 2.8923% | 5,457 |
| Noninterest income to average assets | 0.4604% | 3,627 |
| Noninterest expense to average assets | 2.2252% | 5,038 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.7457% | 3,659 |
| Return on assets (ROA) | 0.8129% | 3,422 |
| Pretax return on assets | 0.8129% | 4,283 |
| Return on Equity (ROE) | 8.1318% | 2,974 |
| Retained earnings to average equity (ytd only) | 4.6776% | 3,066 |
| Net charge-offs to loans | -0.0416% | 5,467 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8814% | 2,860 |
| Assets per employee ($millions) | 4.6647% | 2,724 |
| Cash dividends to net income (ytd only)* | 42.4779% | 2,283 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2305% | 3,620 |
| Loan loss allowance to noncurrent loans | 68.4008% | 4,526 |
| Noncurrent assets plus other real estate owned to assets | 1.2922% | 1,948 |
| Noncurrent loans to loans | 1.7990% | 1,424 |
| Net loans and leases to total assets | 33.9356% | 5,913 |
| Net loans and leases to deposits | 37.7514% | 5,986 |
| Net loans and leases to core deposits | 39.5294% | 5,970 |
| Total domestic deposits to total assets | 89.8922% | 705 |
| Equity capital to assets | 9.6862% | 4,422 |
| Core capital (leverage) ratio | 8.9045% | 5,093 |
| Tier 1 risk-based capital ratio | 18.2418% | 1,997 |
| Total risk-based capital ratio | 19.1155% | 2,065 |
| Memoranda: | ||
| Average total assets | $83,408,330 | 4,913 |
| Average earning assets | $72,399,670 | 4,991 |
| Average equity | $8,337,670 | 5,091 |
| Average total loans | $28,842,670 | 5,525 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3919% | 5,220 |
| Cost of funding earning assets | 0.4323% | 2,954 |
| Net interest margin | 2.9596% | 5,319 |
| Noninterest income to average assets | 0.4812% | 3,414 |
| Noninterest expense to average assets | 2.2134% | 5,112 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.8372% | 3,070 |
| Return on assets (ROA) | 0.8902% | 2,912 |
| Pretax return on assets | 0.8902% | 3,924 |
| Return on Equity (ROE) | 8.7678% | 2,566 |
| Retained earnings to average equity (ytd only) | 8.7678% | 1,281 |
| Net charge-offs to loans | -0.0693% | 5,691 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5047% | 3,396 |
| Assets per employee ($millions) | 4.7267% | 2,725 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3282% | 3,255 |
| Loan loss allowance to noncurrent loans | 155.9471% | 2,704 |
| Noncurrent assets plus other real estate owned to assets | 0.9321% | 2,768 |
| Noncurrent loans to loans | 0.8517% | 3,118 |
| Net loans and leases to total assets | 30.9105% | 6,037 |
| Net loans and leases to deposits | 34.5576% | 6,109 |
| Net loans and leases to core deposits | 36.1687% | 6,093 |
| Total domestic deposits to total assets | 89.4465% | 1,022 |
| Equity capital to assets | 10.2173% | 3,863 |
| Core capital (leverage) ratio | 8.7853% | 5,225 |
| Tier 1 risk-based capital ratio | 18.9880% | 1,874 |
| Total risk-based capital ratio | 19.8977% | 1,916 |
| Memoranda: | ||
| Average total assets | $83,130,000 | 4,959 |
| Average earning assets | $72,171,000 | 5,048 |
| Average equity | $8,440,000 | 5,105 |
| Average total loans | $28,839,500 | 5,564 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5059% | 5,303 |
| Cost of funding earning assets | 0.4316% | 3,367 |
| Net interest margin | 3.0744% | 5,268 |
| Noninterest income to average assets | 0.8302% | 1,751 |
| Noninterest expense to average assets | 2.2784% | 5,163 |
| Loan and lease loss provision to assets | 0.0176% | 4,260 |
| Net operating income to assets | 1.2096% | 1,556 |
| Return on assets (ROA) | 1.2435% | 1,512 |
| Pretax return on assets | 1.2435% | 2,472 |
| Return on Equity (ROE) | 12.9734% | 1,147 |
| Retained earnings to average equity (ytd only) | 3.4858% | 3,730 |
| Net charge-offs to loans | -0.3023% | 6,335 |
| Credit loss provision to net charge-offs | -16.2791% | 5,335 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2032% | 4,722 |
| Assets per employee ($millions) | 4.5099% | 3,020 |
| Cash dividends to net income (ytd only)* | 73.1313% | 1,171 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1249% | 4,420 |
| Loan loss allowance to noncurrent loans | 2,052.9412% | 319 |
| Noncurrent assets plus other real estate owned to assets | 0.7182% | 3,413 |
| Noncurrent loans to loans | 0.0548% | 5,660 |
| Net loans and leases to total assets | 37.7893% | 5,864 |
| Net loans and leases to deposits | 42.1665% | 5,964 |
| Net loans and leases to core deposits | 44.2242% | 5,949 |
| Total domestic deposits to total assets | 89.6192% | 919 |
| Equity capital to assets | 10.0851% | 4,002 |
| Core capital (leverage) ratio | 9.0111% | 4,984 |
| Tier 1 risk-based capital ratio | 16.9140% | 2,545 |
| Total risk-based capital ratio | 17.7348% | 2,673 |
| Memoranda: | ||
| Average total assets | $79,616,000 | 5,071 |
| Average earning assets | $69,282,600 | 5,143 |
| Average equity | $7,631,000 | 5,288 |
| Average total loans | $28,447,000 | 5,628 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4415% | 5,517 |
| Cost of funding earning assets | 0.4328% | 3,441 |
| Net interest margin | 3.0087% | 5,485 |
| Noninterest income to average assets | 0.6681% | 2,481 |
| Noninterest expense to average assets | 2.2248% | 5,302 |
| Loan and lease loss provision to assets | 0.0236% | 3,934 |
| Net operating income to assets | 1.0400% | 2,281 |
| Return on assets (ROA) | 1.0821% | 2,173 |
| Pretax return on assets | 1.0821% | 3,260 |
| Return on Equity (ROE) | 11.4430% | 1,649 |
| Retained earnings to average equity (ytd only) | 7.2076% | 1,713 |
| Net charge-offs to loans | -0.4604% | 6,449 |
| Credit loss provision to net charge-offs | -14.5833% | 5,261 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7114% | 4,254 |
| Assets per employee ($millions) | 4.3901% | 3,146 |
| Cash dividends to net income (ytd only)* | 37.0146% | 2,486 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1976% | 4,241 |
| Loan loss allowance to noncurrent loans | 1,282.1429% | 457 |
| Noncurrent assets plus other real estate owned to assets | 0.8226% | 3,362 |
| Noncurrent loans to loans | 0.0934% | 5,666 |
| Net loans and leases to total assets | 37.4807% | 5,968 |
| Net loans and leases to deposits | 41.9780% | 6,052 |
| Net loans and leases to core deposits | 43.4441% | 6,067 |
| Total domestic deposits to total assets | 89.2865% | 1,081 |
| Equity capital to assets | 10.3440% | 3,742 |
| Core capital (leverage) ratio | 9.3992% | 4,517 |
| Tier 1 risk-based capital ratio | 17.8673% | 2,247 |
| Total risk-based capital ratio | 18.7437% | 2,359 |
| Memoranda: | ||
| Average total assets | $79,225,250 | 5,140 |
| Average earning assets | $68,998,750 | 5,206 |
| Average equity | $7,492,000 | 5,351 |
| Average total loans | $27,802,250 | 5,712 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3388% | 5,735 |
| Cost of funding earning assets | 0.4326% | 3,519 |
| Net interest margin | 2.9062% | 5,726 |
| Noninterest income to average assets | 0.4237% | 4,063 |
| Noninterest expense to average assets | 2.1868% | 5,448 |
| Loan and lease loss provision to assets | 0.0353% | 3,583 |
| Net operating income to assets | 0.7264% | 3,690 |
| Return on assets (ROA) | 0.7895% | 3,479 |
| Pretax return on assets | 0.7895% | 4,316 |
| Return on Equity (ROE) | 8.6170% | 2,777 |
| Retained earnings to average equity (ytd only) | 5.0931% | 2,901 |
| Net charge-offs to loans | -0.7091% | 6,545 |
| Credit loss provision to net charge-offs | -14.5833% | 5,087 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0274% | 3,336 |
| Assets per employee ($millions) | 4.3906% | 3,102 |
| Cash dividends to net income (ytd only)* | 40.8946% | 2,367 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3280% | 3,706 |
| Loan loss allowance to noncurrent loans | 151.4768% | 2,699 |
| Noncurrent assets plus other real estate owned to assets | 1.1831% | 2,714 |
| Noncurrent loans to loans | 0.8767% | 3,505 |
| Net loans and leases to total assets | 33.7513% | 6,164 |
| Net loans and leases to deposits | 37.5997% | 6,241 |
| Net loans and leases to core deposits | 38.9044% | 6,248 |
| Total domestic deposits to total assets | 89.7648% | 926 |
| Equity capital to assets | 9.9315% | 4,200 |
| Core capital (leverage) ratio | 8.8642% | 5,215 |
| Tier 1 risk-based capital ratio | 18.2443% | 2,149 |
| Total risk-based capital ratio | 19.1688% | 2,241 |
| Memoranda: | ||
| Average total assets | $79,293,000 | 5,173 |
| Average earning assets | $68,888,000 | 5,249 |
| Average equity | $7,264,670 | 5,422 |
| Average total loans | $27,077,330 | 5,788 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3381% | 5,776 |
| Cost of funding earning assets | 0.4319% | 3,629 |
| Net interest margin | 2.9063% | 5,737 |
| Noninterest income to average assets | 0.4230% | 4,004 |
| Noninterest expense to average assets | 2.1857% | 5,493 |
| Loan and lease loss provision to assets | 0.0453% | 3,196 |
| Net operating income to assets | 0.7000% | 3,691 |
| Return on assets (ROA) | 0.7605% | 3,441 |
| Pretax return on assets | 0.7605% | 4,271 |
| Return on Equity (ROE) | 8.6626% | 2,613 |
| Retained earnings to average equity (ytd only) | 8.6626% | 1,357 |
| Net charge-offs to loans | 0.0148% | 3,299 |
| Credit loss provision to net charge-offs | 900.0000% | 337 |
| Earnings coverage of net charge-offs (x) | 148.0000% | 332 |
| Efficiency ratio | 72.3368% | 3,424 |
| Assets per employee ($millions) | 4.5206% | 2,939 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0381% | 5,364 |
| Loan loss allowance to noncurrent loans | 180.9859% | 2,284 |
| Noncurrent assets plus other real estate owned to assets | 1.0876% | 3,075 |
| Noncurrent loans to loans | 0.5736% | 4,445 |
| Net loans and leases to total assets | 30.1094% | 6,347 |
| Net loans and leases to deposits | 33.1812% | 6,394 |
| Net loans and leases to core deposits | 34.2854% | 6,403 |
| Total domestic deposits to total assets | 90.7423% | 671 |
| Equity capital to assets | 8.9886% | 5,128 |
| Core capital (leverage) ratio | 8.7625% | 5,309 |
| Tier 1 risk-based capital ratio | 18.7527% | 2,045 |
| Total risk-based capital ratio | 19.4373% | 2,182 |
| Memoranda: | ||
| Average total assets | $79,424,000 | 5,218 |
| Average earning assets | $68,541,500 | 5,303 |
| Average equity | $6,972,500 | 5,528 |
| Average total loans | $27,099,500 | 5,845 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4173% | 5,806 |
| Cost of funding earning assets | 0.4666% | 3,948 |
| Net interest margin | 2.9507% | 5,678 |
| Noninterest income to average assets | 0.9337% | 1,570 |
| Noninterest expense to average assets | 2.3061% | 5,370 |
| Loan and lease loss provision to assets | 0.0630% | 3,873 |
| Net operating income to assets | 1.0864% | 1,974 |
| Return on assets (ROA) | 1.1583% | 1,786 |
| Pretax return on assets | 1.2056% | 2,556 |
| Return on Equity (ROE) | 11.8609% | 1,468 |
| Retained earnings to average equity (ytd only) | 2.2727% | 4,628 |
| Net charge-offs to loans | 0.2911% | 2,234 |
| Credit loss provision to net charge-offs | 57.8313% | 3,630 |
| Earnings coverage of net charge-offs (x) | 10.9518% | 2,296 |
| Efficiency ratio | 64.0150% | 4,892 |
| Assets per employee ($millions) | 4.3043% | 3,263 |
| Cash dividends to net income (ytd only)* | 80.8390% | 893 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8457% | 6,069 |
| Loan loss allowance to noncurrent loans | 207.5000% | 2,032 |
| Noncurrent assets plus other real estate owned to assets | 1.1436% | 3,110 |
| Noncurrent loans to loans | 0.4076% | 4,986 |
| Net loans and leases to total assets | 37.6791% | 6,119 |
| Net loans and leases to deposits | 41.3622% | 6,256 |
| Net loans and leases to core deposits | 42.8031% | 6,279 |
| Total domestic deposits to total assets | 91.0955% | 538 |
| Equity capital to assets | 8.5586% | 5,517 |
| Core capital (leverage) ratio | 8.8560% | 5,205 |
| Tier 1 risk-based capital ratio | 16.5659% | 2,817 |
| Total risk-based capital ratio | 17.1659% | 3,095 |
| Memoranda: | ||
| Average total assets | $76,145,800 | 5,323 |
| Average earning assets | $66,222,400 | 5,400 |
| Average equity | $7,436,200 | 5,471 |
| Average total loans | $28,509,200 | 5,828 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3570% | 5,963 |
| Cost of funding earning assets | 0.4712% | 4,057 |
| Net interest margin | 2.8859% | 5,850 |
| Noninterest income to average assets | 1.0007% | 1,452 |
| Noninterest expense to average assets | 2.3074% | 5,317 |
| Loan and lease loss provision to assets | 0.0475% | 4,066 |
| Net operating income to assets | 1.0851% | 2,066 |
| Return on assets (ROA) | 1.1519% | 1,878 |
| Pretax return on assets | 1.2152% | 2,636 |
| Return on Equity (ROE) | 11.4345% | 1,670 |
| Retained earnings to average equity (ytd only) | 7.5241% | 1,631 |
| Net charge-offs to loans | 0.2971% | 2,051 |
| Credit loss provision to net charge-offs | 42.8571% | 3,655 |
| Earnings coverage of net charge-offs (x) | 10.7617% | 2,321 |
| Efficiency ratio | 64.0201% | 4,793 |
| Assets per employee ($millions) | 4.1921% | 3,443 |
| Cash dividends to net income (ytd only)* | 34.1986% | 2,513 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8340% | 6,210 |
| Loan loss allowance to noncurrent loans | 87.0175% | 3,849 |
| Noncurrent assets plus other real estate owned to assets | 1.3902% | 2,875 |
| Noncurrent loans to loans | 0.9585% | 3,902 |
| Net loans and leases to total assets | 39.0779% | 6,101 |
| Net loans and leases to deposits | 43.4738% | 6,235 |
| Net loans and leases to core deposits | 44.3734% | 6,287 |
| Total domestic deposits to total assets | 89.8883% | 1,064 |
| Equity capital to assets | 9.7287% | 4,267 |
| Core capital (leverage) ratio | 9.4396% | 4,492 |
| Tier 1 risk-based capital ratio | 17.3434% | 2,563 |
| Total risk-based capital ratio | 17.9470% | 2,815 |
| Memoranda: | ||
| Average total assets | $75,812,750 | 5,385 |
| Average earning assets | $65,651,500 | 5,470 |
| Average equity | $7,637,500 | 5,485 |
| Average total loans | $28,276,000 | 5,891 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2262% | 6,196 |
| Cost of funding earning assets | 0.4739% | 4,163 |
| Net interest margin | 2.7523% | 6,093 |
| Noninterest income to average assets | 0.5347% | 3,605 |
| Noninterest expense to average assets | 2.1651% | 5,714 |
| Loan and lease loss provision to assets | 0.0474% | 4,025 |
| Net operating income to assets | 0.6264% | 4,174 |
| Return on assets (ROA) | 0.7191% | 3,895 |
| Pretax return on assets | 0.8139% | 4,257 |
| Return on Equity (ROE) | 7.0576% | 3,566 |
| Retained earnings to average equity (ytd only) | 4.1363% | 3,654 |
| Net charge-offs to loans | 0.4174% | 1,549 |
| Credit loss provision to net charge-offs | 31.0345% | 3,574 |
| Earnings coverage of net charge-offs (x) | 4.9483% | 2,995 |
| Efficiency ratio | 71.8665% | 3,495 |
| Assets per employee ($millions) | 4.2079% | 3,336 |
| Cash dividends to net income (ytd only)* | 41.3919% | 2,196 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8908% | 6,160 |
| Loan loss allowance to noncurrent loans | 79.4788% | 4,046 |
| Noncurrent assets plus other real estate owned to assets | 1.4470% | 2,930 |
| Noncurrent loans to loans | 1.1208% | 3,691 |
| Net loans and leases to total assets | 35.8414% | 6,312 |
| Net loans and leases to deposits | 39.6301% | 6,420 |
| Net loans and leases to core deposits | 40.4413% | 6,454 |
| Total domestic deposits to total assets | 90.4399% | 790 |
| Equity capital to assets | 9.2353% | 4,939 |
| Core capital (leverage) ratio | 8.8669% | 5,195 |
| Tier 1 risk-based capital ratio | 17.2705% | 2,602 |
| Total risk-based capital ratio | 17.8864% | 2,840 |
| Memoranda: | ||
| Average total assets | $75,931,330 | 5,418 |
| Average earning assets | $65,836,670 | 5,502 |
| Average equity | $7,736,330 | 5,504 |
| Average total loans | $27,789,670 | 5,947 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1879% | 6,307 |
| Cost of funding earning assets | 0.4736% | 4,339 |
| Net interest margin | 2.7143% | 6,195 |
| Noninterest income to average assets | 0.5630% | 3,355 |
| Noninterest expense to average assets | 2.1782% | 5,748 |
| Loan and lease loss provision to assets | 0.0474% | 3,826 |
| Net operating income to assets | 0.6383% | 4,031 |
| Return on assets (ROA) | 0.7997% | 3,300 |
| Pretax return on assets | 0.8629% | 3,901 |
| Return on Equity (ROE) | 7.4997% | 3,215 |
| Retained earnings to average equity (ytd only) | 7.4997% | 1,940 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3827% | 3,544 |
| Assets per employee ($millions) | 4.3274% | 3,284 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1691% | 5,330 |
| Loan loss allowance to noncurrent loans | 39.1188% | 5,645 |
| Noncurrent assets plus other real estate owned to assets | 1.5316% | 2,962 |
| Noncurrent loans to loans | 2.9885% | 1,680 |
| Net loans and leases to total assets | 31.8000% | 6,523 |
| Net loans and leases to deposits | 35.6567% | 6,588 |
| Net loans and leases to core deposits | 36.5296% | 6,611 |
| Total domestic deposits to total assets | 89.1839% | 1,573 |
| Equity capital to assets | 10.4669% | 3,574 |
| Core capital (leverage) ratio | 8.8482% | 5,123 |
| Tier 1 risk-based capital ratio | 17.9907% | 2,365 |
| Total risk-based capital ratio | 18.7635% | 2,519 |
| Memoranda: | ||
| Average total assets | $76,026,000 | 5,461 |
| Average earning assets | $65,873,500 | 5,550 |
| Average equity | $8,107,000 | 5,458 |
| Average total loans | $27,989,000 | 5,987 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6422% | 6,142 |
| Cost of funding earning assets | 0.6187% | 4,186 |
| Net interest margin | 3.0234% | 5,995 |
| Noninterest income to average assets | 1.0030% | 1,525 |
| Noninterest expense to average assets | 2.3653% | 5,513 |
| Loan and lease loss provision to assets | 0.2555% | 2,613 |
| Net operating income to assets | 0.9188% | 2,722 |
| Return on assets (ROA) | 1.1410% | 1,971 |
| Pretax return on assets | 1.2093% | 2,773 |
| Return on Equity (ROE) | 10.3482% | 2,027 |
| Retained earnings to average equity (ytd only) | 1.9581% | 4,844 |
| Net charge-offs to loans | 0.7144% | 1,648 |
| Credit loss provision to net charge-offs | 100.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 4.8075% | 3,243 |
| Efficiency ratio | 63.9163% | 4,899 |
| Assets per employee ($millions) | 4.1199% | 3,702 |
| Cash dividends to net income (ytd only)* | 81.0778% | 966 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9186% | 6,225 |
| Loan loss allowance to noncurrent loans | 38.7449% | 5,684 |
| Noncurrent assets plus other real estate owned to assets | 1.5871% | 3,006 |
| Noncurrent loans to loans | 2.3710% | 2,263 |
| Net loans and leases to total assets | 41.3045% | 6,065 |
| Net loans and leases to deposits | 46.5743% | 6,210 |
| Net loans and leases to core deposits | 47.7788% | 6,281 |
| Total domestic deposits to total assets | 88.6851% | 1,780 |
| Equity capital to assets | 10.8699% | 3,103 |
| Core capital (leverage) ratio | 8.8946% | 5,046 |
| Tier 1 risk-based capital ratio | 15.7920% | 3,270 |
| Total risk-based capital ratio | 16.4658% | 3,548 |
| Memoranda: | ||
| Average total assets | $73,183,000 | 5,544 |
| Average earning assets | $62,710,200 | 5,646 |
| Average equity | $8,069,000 | 5,481 |
| Average total loans | $26,174,400 | 6,130 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6440% | 6,327 |
| Cost of funding earning assets | 0.6437% | 4,245 |
| Net interest margin | 3.0003% | 6,170 |
| Noninterest income to average assets | 0.9012% | 1,822 |
| Noninterest expense to average assets | 2.2539% | 5,811 |
| Loan and lease loss provision to assets | 0.3345% | 1,956 |
| Net operating income to assets | 0.8013% | 3,446 |
| Return on assets (ROA) | 1.0986% | 2,288 |
| Pretax return on assets | 1.1681% | 3,105 |
| Return on Equity (ROE) | 9.9283% | 2,374 |
| Retained earnings to average equity (ytd only) | 6.2774% | 2,505 |
| Net charge-offs to loans | 0.9764% | 1,091 |
| Credit loss provision to net charge-offs | 100.0000% | 2,954 |
| Earnings coverage of net charge-offs (x) | 3.5465% | 3,600 |
| Efficiency ratio | 63.4963% | 4,887 |
| Assets per employee ($millions) | 4.1048% | 3,674 |
| Cash dividends to net income (ytd only)* | 36.7723% | 2,330 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0173% | 6,016 |
| Loan loss allowance to noncurrent loans | 46.4052% | 5,315 |
| Noncurrent assets plus other real estate owned to assets | 1.4806% | 3,379 |
| Noncurrent loans to loans | 2.1923% | 2,628 |
| Net loans and leases to total assets | 37.3976% | 6,454 |
| Net loans and leases to deposits | 42.3973% | 6,577 |
| Net loans and leases to core deposits | 43.5026% | 6,616 |
| Total domestic deposits to total assets | 88.2077% | 1,912 |
| Equity capital to assets | 11.3078% | 2,929 |
| Core capital (leverage) ratio | 9.4944% | 4,279 |
| Tier 1 risk-based capital ratio | 17.4596% | 2,554 |
| Total risk-based capital ratio | 18.1818% | 2,729 |
| Memoranda: | ||
| Average total assets | $72,939,000 | 5,605 |
| Average earning assets | $61,725,000 | 5,743 |
| Average equity | $8,071,000 | 5,540 |
| Average total loans | $24,989,250 | 6,279 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5899% | 6,502 |
| Cost of funding earning assets | 0.6553% | 4,398 |
| Net interest margin | 2.9345% | 6,371 |
| Noninterest income to average assets | 0.5150% | 3,820 |
| Noninterest expense to average assets | 2.2472% | 5,882 |
| Loan and lease loss provision to assets | 0.0330% | 5,258 |
| Net operating income to assets | 0.6905% | 3,915 |
| Return on assets (ROA) | 0.9363% | 2,997 |
| Pretax return on assets | 1.0024% | 3,704 |
| Return on Equity (ROE) | 8.5252% | 3,009 |
| Retained earnings to average equity (ytd only) | 5.7420% | 2,857 |
| Net charge-offs to loans | 0.0167% | 5,180 |
| Credit loss provision to net charge-offs | 600.0000% | 520 |
| Earnings coverage of net charge-offs (x) | 140.0000% | 320 |
| Efficiency ratio | 72.1715% | 3,403 |
| Assets per employee ($millions) | 3.8563% | 4,178 |
| Cash dividends to net income (ytd only)* | 32.6471% | 2,489 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1214% | 5,689 |
| Loan loss allowance to noncurrent loans | 149.2386% | 2,252 |
| Noncurrent assets plus other real estate owned to assets | 0.9404% | 4,489 |
| Noncurrent loans to loans | 0.7514% | 5,006 |
| Net loans and leases to total assets | 35.3806% | 6,646 |
| Net loans and leases to deposits | 40.0442% | 6,728 |
| Net loans and leases to core deposits | 41.0935% | 6,771 |
| Total domestic deposits to total assets | 88.3539% | 1,929 |
| Equity capital to assets | 11.1698% | 2,927 |
| Core capital (leverage) ratio | 9.2150% | 4,588 |
| Tier 1 risk-based capital ratio | 17.7588% | 2,379 |
| Total risk-based capital ratio | 18.5379% | 2,516 |
| Memoranda: | ||
| Average total assets | $72,623,000 | 5,651 |
| Average earning assets | $61,952,330 | 5,770 |
| Average equity | $7,976,330 | 5,580 |
| Average total loans | $24,013,670 | 6,367 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7708% | 6,309 |
| Cost of funding earning assets | 0.6826% | 4,434 |
| Net interest margin | 3.0882% | 6,087 |
| Noninterest income to average assets | 0.4426% | 4,351 |
| Noninterest expense to average assets | 2.2407% | 5,934 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.7743% | 3,509 |
| Return on assets (ROA) | 0.9184% | 3,047 |
| Pretax return on assets | 0.9848% | 3,726 |
| Return on Equity (ROE) | 8.4344% | 3,090 |
| Retained earnings to average equity (ytd only) | 8.4344% | 1,806 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5315% | 3,524 |
| Assets per employee ($millions) | 4.1374% | 3,714 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3376% | 4,850 |
| Loan loss allowance to noncurrent loans | 92.2078% | 3,279 |
| Noncurrent assets plus other real estate owned to assets | 1.1064% | 4,281 |
| Noncurrent loans to loans | 1.4506% | 3,940 |
| Net loans and leases to total assets | 28.1283% | 6,977 |
| Net loans and leases to deposits | 31.6483% | 7,016 |
| Net loans and leases to core deposits | 32.4559% | 7,029 |
| Total domestic deposits to total assets | 88.8778% | 1,775 |
| Equity capital to assets | 10.7019% | 3,267 |
| Core capital (leverage) ratio | 8.9530% | 4,913 |
| Tier 1 risk-based capital ratio | 18.9440% | 2,004 |
| Total risk-based capital ratio | 19.7559% | 2,119 |
| Memoranda: | ||
| Average total assets | $72,300,000 | 5,702 |
| Average earning assets | $61,525,500 | 5,822 |
| Average equity | $7,872,500 | 5,633 |
| Average total loans | $22,912,000 | 6,465 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1602% | 6,161 |
| Cost of funding earning assets | 0.8212% | 4,698 |
| Net interest margin | 3.3390% | 5,686 |
| Noninterest income to average assets | 0.9396% | 1,540 |
| Noninterest expense to average assets | 2.4543% | 5,626 |
| Loan and lease loss provision to assets | 0.3514% | 2,891 |
| Net operating income to assets | 0.9246% | 2,507 |
| Return on assets (ROA) | 1.0761% | 2,040 |
| Pretax return on assets | 1.1473% | 2,664 |
| Return on Equity (ROE) | 9.8600% | 2,108 |
| Retained earnings to average equity (ytd only) | 0.8383% | 5,472 |
| Net charge-offs to loans | 1.2219% | 1,372 |
| Credit loss provision to net charge-offs | 85.2113% | 4,232 |
| Earnings coverage of net charge-offs (x) | 3.2430% | 3,584 |
| Efficiency ratio | 63.1176% | 5,277 |
| Assets per employee ($millions) | 3.6909% | 4,567 |
| Cash dividends to net income (ytd only)* | 91.4980% | 494 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1548% | 5,604 |
| Loan loss allowance to noncurrent loans | 129.6804% | 2,441 |
| Noncurrent assets plus other real estate owned to assets | 1.0567% | 4,503 |
| Noncurrent loans to loans | 0.8905% | 4,905 |
| Net loans and leases to total assets | 34.6628% | 6,838 |
| Net loans and leases to deposits | 39.1843% | 6,916 |
| Net loans and leases to core deposits | 39.9212% | 6,950 |
| Total domestic deposits to total assets | 88.4609% | 1,872 |
| Equity capital to assets | 11.0870% | 2,905 |
| Core capital (leverage) ratio | 9.2083% | 4,451 |
| Tier 1 risk-based capital ratio | 17.8947% | 2,230 |
| Total risk-based capital ratio | 18.6829% | 2,373 |
| Memoranda: | ||
| Average total assets | $68,858,400 | 5,781 |
| Average earning assets | $58,819,400 | 5,909 |
| Average equity | $7,515,200 | 5,713 |
| Average total loans | $23,243,000 | 6,500 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2082% | 6,188 |
| Cost of funding earning assets | 0.8554% | 4,733 |
| Net interest margin | 3.3528% | 5,709 |
| Noninterest income to average assets | 0.8423% | 1,867 |
| Noninterest expense to average assets | 2.3810% | 5,814 |
| Loan and lease loss provision to assets | 0.4708% | 2,106 |
| Net operating income to assets | 0.7776% | 3,265 |
| Return on assets (ROA) | 0.9785% | 2,560 |
| Pretax return on assets | 1.0504% | 3,210 |
| Return on Equity (ROE) | 9.0017% | 2,597 |
| Retained earnings to average equity (ytd only) | 6.2815% | 2,381 |
| Net charge-offs to loans | 1.6473% | 846 |
| Credit loss provision to net charge-offs | 85.5124% | 3,944 |
| Earnings coverage of net charge-offs (x) | 2.3710% | 3,943 |
| Efficiency ratio | 63.0607% | 5,230 |
| Assets per employee ($millions) | 3.8159% | 4,277 |
| Cash dividends to net income (ytd only)* | 30.2184% | 2,465 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1899% | 5,514 |
| Loan loss allowance to noncurrent loans | 78.7293% | 3,613 |
| Noncurrent assets plus other real estate owned to assets | 1.1866% | 4,416 |
| Noncurrent loans to loans | 1.5114% | 4,023 |
| Net loans and leases to total assets | 34.4568% | 6,932 |
| Net loans and leases to deposits | 39.3663% | 6,995 |
| Net loans and leases to core deposits | 40.1299% | 7,036 |
| Total domestic deposits to total assets | 87.5288% | 2,339 |
| Equity capital to assets | 11.9107% | 2,321 |
| Core capital (leverage) ratio | 9.8882% | 3,589 |
| Tier 1 risk-based capital ratio | 19.1622% | 1,882 |
| Total risk-based capital ratio | 19.9744% | 1,980 |
| Memoranda: | ||
| Average total assets | $68,541,250 | 5,826 |
| Average earning assets | $58,139,250 | 5,974 |
| Average equity | $7,450,250 | 5,764 |
| Average total loans | $22,905,750 | 6,581 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0929% | 6,505 |
| Cost of funding earning assets | 0.8732% | 4,876 |
| Net interest margin | 3.2198% | 6,101 |
| Noninterest income to average assets | 0.3154% | 5,371 |
| Noninterest expense to average assets | 2.2484% | 6,250 |
| Loan and lease loss provision to assets | 0.7008% | 1,352 |
| Net operating income to assets | 0.1041% | 6,004 |
| Return on assets (ROA) | 0.3796% | 5,177 |
| Pretax return on assets | 0.4468% | 5,241 |
| Return on Equity (ROE) | 3.6078% | 5,111 |
| Retained earnings to average equity (ytd only) | 2.4977% | 4,696 |
| Net charge-offs to loans | 2.8461% | 383 |
| Credit loss provision to net charge-offs | 74.7664% | 3,925 |
| Earnings coverage of net charge-offs (x) | 0.8785% | 4,637 |
| Efficiency ratio | 71.5779% | 3,815 |
| Assets per employee ($millions) | 3.7896% | 4,222 |
| Cash dividends to net income (ytd only)* | 30.7692% | 2,449 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0605% | 6,093 |
| Loan loss allowance to noncurrent loans | 36.8421% | 5,833 |
| Noncurrent assets plus other real estate owned to assets | 1.6771% | 3,663 |
| Noncurrent loans to loans | 2.8785% | 2,538 |
| Net loans and leases to total assets | 33.5083% | 7,060 |
| Net loans and leases to deposits | 37.9994% | 7,120 |
| Net loans and leases to core deposits | 38.7348% | 7,150 |
| Total domestic deposits to total assets | 88.1811% | 2,024 |
| Equity capital to assets | 11.3820% | 2,618 |
| Core capital (leverage) ratio | 9.3922% | 4,124 |
| Tier 1 risk-based capital ratio | 18.7986% | 1,908 |
| Total risk-based capital ratio | 19.5127% | 2,045 |
| Memoranda: | ||
| Average total assets | $68,493,000 | 5,873 |
| Average earning assets | $58,637,670 | 6,006 |
| Average equity | $7,206,670 | 5,865 |
| Average total loans | $22,557,000 | 6,657 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1612% | 6,370 |
| Cost of funding earning assets | 0.9201% | 4,775 |
| Net interest margin | 3.2411% | 5,952 |
| Noninterest income to average assets | 0.2739% | 5,717 |
| Noninterest expense to average assets | 2.2438% | 6,317 |
| Loan and lease loss provision to assets | 1.3521% | 496 |
| Net operating income to assets | -0.6411% | 6,890 |
| Return on assets (ROA) | -0.1166% | 6,495 |
| Pretax return on assets | -0.0466% | 6,400 |
| Return on Equity (ROE) | -1.1547% | 6,504 |
| Retained earnings to average equity (ytd only) | -1.1547% | 6,018 |
| Net charge-offs to loans | 5.6183% | 125 |
| Credit loss provision to net charge-offs | 74.1214% | 3,275 |
| Earnings coverage of net charge-offs (x) | 0.4281% | 4,300 |
| Efficiency ratio | 73.4104% | 3,619 |
| Assets per employee ($millions) | 3.9095% | 4,050 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1934% | 5,669 |
| Loan loss allowance to noncurrent loans | 51.9068% | 4,895 |
| Noncurrent assets plus other real estate owned to assets | 1.4495% | 4,096 |
| Noncurrent loans to loans | 2.2992% | 3,195 |
| Net loans and leases to total assets | 28.8244% | 7,270 |
| Net loans and leases to deposits | 32.2947% | 7,313 |
| Net loans and leases to core deposits | 32.7409% | 7,339 |
| Total domestic deposits to total assets | 89.2541% | 1,611 |
| Equity capital to assets | 10.3139% | 3,397 |
| Core capital (leverage) ratio | 9.1264% | 4,402 |
| Tier 1 risk-based capital ratio | 19.3150% | 1,732 |
| Total risk-based capital ratio | 20.0629% | 1,819 |
| Memoranda: | ||
| Average total assets | $68,633,000 | 5,914 |
| Average earning assets | $58,252,000 | 6,054 |
| Average equity | $6,928,000 | 5,948 |
| Average total loans | $22,284,500 | 6,723 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5077% | 6,386 |
| Cost of funding earning assets | 1.2155% | 4,452 |
| Net interest margin | 3.2922% | 6,005 |
| Noninterest income to average assets | 0.2868% | 5,734 |
| Noninterest expense to average assets | 2.1917% | 6,636 |
| Loan and lease loss provision to assets | 0.3170% | 4,273 |
| Net operating income to assets | 0.5687% | 3,808 |
| Return on assets (ROA) | 0.8045% | 2,913 |
| Pretax return on assets | 0.8649% | 3,424 |
| Return on Equity (ROE) | 7.7190% | 2,811 |
| Retained earnings to average equity (ytd only) | 1.2600% | 4,924 |
| Net charge-offs to loans | 0.6092% | 3,207 |
| Credit loss provision to net charge-offs | 144.8276% | 2,557 |
| Earnings coverage of net charge-offs (x) | 4.2414% | 3,004 |
| Efficiency ratio | 70.2467% | 4,127 |
| Assets per employee ($millions) | 3.9350% | 3,929 |
| Cash dividends to net income (ytd only)* | 83.6773% | 740 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3561% | 4,718 |
| Loan loss allowance to noncurrent loans | 53.1811% | 4,831 |
| Noncurrent assets plus other real estate owned to assets | 1.6638% | 3,806 |
| Noncurrent loans to loans | 2.5499% | 2,976 |
| Net loans and leases to total assets | 35.4496% | 7,182 |
| Net loans and leases to deposits | 39.5537% | 7,267 |
| Net loans and leases to core deposits | 40.1259% | 7,302 |
| Total domestic deposits to total assets | 89.6240% | 1,309 |
| Equity capital to assets | 9.8632% | 3,922 |
| Core capital (leverage) ratio | 9.4516% | 3,766 |
| Tier 1 risk-based capital ratio | 18.9660% | 1,732 |
| Total risk-based capital ratio | 19.9408% | 1,762 |
| Memoranda: | ||
| Average total assets | $66,251,200 | 5,991 |
| Average earning assets | $57,013,800 | 6,096 |
| Average equity | $6,905,000 | 6,064 |
| Average total loans | $23,800,200 | 6,742 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5367% | 6,508 |
| Cost of funding earning assets | 1.2717% | 4,426 |
| Net interest margin | 3.2650% | 6,126 |
| Noninterest income to average assets | 0.2865% | 5,824 |
| Noninterest expense to average assets | 2.1586% | 6,714 |
| Loan and lease loss provision to assets | 0.3773% | 3,627 |
| Net operating income to assets | 0.5099% | 4,270 |
| Return on assets (ROA) | 0.8251% | 3,043 |
| Pretax return on assets | 0.8917% | 3,584 |
| Return on Equity (ROE) | 7.8106% | 2,982 |
| Retained earnings to average equity (ytd only) | 3.5329% | 3,962 |
| Net charge-offs to loans | 0.8200% | 2,402 |
| Credit loss provision to net charge-offs | 128.0822% | 3,174 |
| Earnings coverage of net charge-offs (x) | 3.1576% | 3,562 |
| Efficiency ratio | 69.8890% | 4,093 |
| Assets per employee ($millions) | 3.8531% | 4,138 |
| Cash dividends to net income (ytd only)* | 54.7678% | 1,440 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1995% | 5,496 |
| Loan loss allowance to noncurrent loans | 51.8010% | 4,836 |
| Noncurrent assets plus other real estate owned to assets | 1.6808% | 3,925 |
| Noncurrent loans to loans | 2.3156% | 3,326 |
| Net loans and leases to total assets | 37.9754% | 7,183 |
| Net loans and leases to deposits | 42.8805% | 7,277 |
| Net loans and leases to core deposits | 43.5205% | 7,340 |
| Total domestic deposits to total assets | 88.5608% | 1,643 |
| Equity capital to assets | 10.8148% | 3,152 |
| Core capital (leverage) ratio | 9.7563% | 3,542 |
| Tier 1 risk-based capital ratio | 18.8345% | 1,788 |
| Total risk-based capital ratio | 19.7198% | 1,842 |
| Memoranda: | ||
| Average total assets | $66,090,250 | 6,063 |
| Average earning assets | $56,721,500 | 6,176 |
| Average equity | $6,981,750 | 6,120 |
| Average total loans | $23,740,250 | 6,833 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4795% | 6,755 |
| Cost of funding earning assets | 1.3245% | 4,384 |
| Net interest margin | 3.1550% | 6,449 |
| Noninterest income to average assets | 0.2987% | 5,757 |
| Noninterest expense to average assets | 2.1392% | 6,793 |
| Loan and lease loss provision to assets | 0.4978% | 2,808 |
| Net operating income to assets | 0.3381% | 5,032 |
| Return on assets (ROA) | 0.6759% | 3,653 |
| Pretax return on assets | 0.7422% | 4,100 |
| Return on Equity (ROE) | 6.4482% | 3,573 |
| Retained earnings to average equity (ytd only) | 3.1953% | 4,076 |
| Net charge-offs to loans | 0.9630% | 1,917 |
| Credit loss provision to net charge-offs | 147.3214% | 2,682 |
| Earnings coverage of net charge-offs (x) | 2.5714% | 3,710 |
| Efficiency ratio | 71.1133% | 3,968 |
| Assets per employee ($millions) | 3.9079% | 3,956 |
| Cash dividends to net income (ytd only)* | 50.4464% | 1,664 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2722% | 5,073 |
| Loan loss allowance to noncurrent loans | 19.2638% | 6,986 |
| Noncurrent assets plus other real estate owned to assets | 3.2332% | 2,179 |
| Noncurrent loans to loans | 6.6040% | 897 |
| Net loans and leases to total assets | 36.6795% | 7,331 |
| Net loans and leases to deposits | 41.3199% | 7,409 |
| Net loans and leases to core deposits | 41.3199% | 7,466 |
| Total domestic deposits to total assets | 88.7695% | 1,561 |
| Equity capital to assets | 10.6269% | 3,248 |
| Core capital (leverage) ratio | 9.6310% | 3,638 |
| Tier 1 risk-based capital ratio | 18.5631% | 1,815 |
| Total risk-based capital ratio | 19.4809% | 1,860 |
| Memoranda: | ||
| Average total assets | $66,286,000 | 6,094 |
| Average earning assets | $56,926,330 | 6,205 |
| Average equity | $6,947,670 | 6,155 |
| Average total loans | $23,261,330 | 6,900 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6747% | 6,332 |
| Cost of funding earning assets | 1.3875% | 4,259 |
| Net interest margin | 3.2873% | 6,016 |
| Noninterest income to average assets | 0.2537% | 6,121 |
| Noninterest expense to average assets | 2.1688% | 6,757 |
| Loan and lease loss provision to assets | 0.4954% | 2,522 |
| Net operating income to assets | 0.3538% | 5,060 |
| Return on assets (ROA) | 0.8095% | 3,016 |
| Pretax return on assets | 0.8760% | 3,554 |
| Return on Equity (ROE) | 7.7777% | 2,988 |
| Retained earnings to average equity (ytd only) | 7.7777% | 1,803 |
| Net charge-offs to loans | 1.9866% | 864 |
| Credit loss provision to net charge-offs | 73.2143% | 4,028 |
| Earnings coverage of net charge-offs (x) | 1.2946% | 3,974 |
| Efficiency ratio | 71.2302% | 4,077 |
| Assets per employee ($millions) | 3.9266% | 4,038 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0873% | 6,065 |
| Loan loss allowance to noncurrent loans | 23.0080% | 6,853 |
| Noncurrent assets plus other real estate owned to assets | 2.2905% | 3,162 |
| Noncurrent loans to loans | 4.7256% | 1,560 |
| Net loans and leases to total assets | 31.4817% | 7,582 |
| Net loans and leases to deposits | 35.3431% | 7,633 |
| Net loans and leases to core deposits | 35.8538% | 7,655 |
| Total domestic deposits to total assets | 89.0746% | 1,481 |
| Equity capital to assets | 10.3711% | 3,378 |
| Core capital (leverage) ratio | 9.5949% | 3,648 |
| Tier 1 risk-based capital ratio | 19.7944% | 1,561 |
| Total risk-based capital ratio | 20.5118% | 1,636 |
| Memoranda: | ||
| Average total assets | $66,211,500 | 6,162 |
| Average earning assets | $56,217,000 | 6,316 |
| Average equity | $6,891,500 | 6,230 |
| Average total loans | $22,551,000 | 7,020 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5211% | 4,033 |
| Cost of funding earning assets | 1.5876% | 5,087 |
| Net interest margin | 3.9334% | 3,148 |
| Noninterest income to average assets | 0.2851% | 6,063 |
| Noninterest expense to average assets | 2.4345% | 6,355 |
| Loan and lease loss provision to assets | 0.2994% | 5,041 |
| Net operating income to assets | 0.9677% | 1,953 |
| Return on assets (ROA) | 1.0929% | 1,578 |
| Pretax return on assets | 1.1785% | 2,009 |
| Return on Equity (ROE) | 10.0241% | 1,683 |
| Retained earnings to average equity (ytd only) | 1.4237% | 4,070 |
| Net charge-offs to loans | 1.4131% | 1,774 |
| Credit loss provision to net charge-offs | 54.6243% | 6,699 |
| Earnings coverage of net charge-offs (x) | 2.4509% | 3,899 |
| Efficiency ratio | 64.4444% | 5,690 |
| Assets per employee ($millions) | 3.8629% | 4,114 |
| Cash dividends to net income (ytd only)* | 85.7971% | 983 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0941% | 5,926 |
| Loan loss allowance to noncurrent loans | 38.6095% | 5,849 |
| Noncurrent assets plus other real estate owned to assets | 1.7405% | 3,759 |
| Noncurrent loans to loans | 2.8337% | 2,719 |
| Net loans and leases to total assets | 35.9296% | 7,528 |
| Net loans and leases to deposits | 40.4052% | 7,614 |
| Net loans and leases to core deposits | 44.7078% | 7,691 |
| Total domestic deposits to total assets | 88.9234% | 1,515 |
| Equity capital to assets | 10.4462% | 3,246 |
| Core capital (leverage) ratio | 9.6241% | 3,558 |
| Tier 1 risk-based capital ratio | 18.3659% | 1,787 |
| Total risk-based capital ratio | 19.1341% | 1,883 |
| Memoranda: | ||
| Average total assets | $63,133,200 | 6,235 |
| Average earning assets | $56,057,800 | 6,288 |
| Average equity | $6,883,400 | 6,304 |
| Average total loans | $24,486,000 | 6,946 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5513% | 4,144 |
| Cost of funding earning assets | 1.6200% | 5,309 |
| Net interest margin | 3.9313% | 3,117 |
| Noninterest income to average assets | 0.2837% | 6,202 |
| Noninterest expense to average assets | 2.4170% | 6,359 |
| Loan and lease loss provision to assets | 0.3541% | 4,199 |
| Net operating income to assets | 0.9837% | 2,114 |
| Return on assets (ROA) | 1.1541% | 1,637 |
| Pretax return on assets | 1.2245% | 2,183 |
| Return on Equity (ROE) | 10.4702% | 1,771 |
| Retained earnings to average equity (ytd only) | 4.6835% | 2,664 |
| Net charge-offs to loans | 1.8612% | 1,082 |
| Credit loss provision to net charge-offs | 48.2558% | 6,336 |
| Earnings coverage of net charge-offs (x) | 1.9040% | 4,382 |
| Efficiency ratio | 63.3669% | 5,867 |
| Assets per employee ($millions) | 3.6812% | 4,474 |
| Cash dividends to net income (ytd only)* | 55.2681% | 1,794 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9626% | 6,476 |
| Loan loss allowance to noncurrent loans | 32.5645% | 6,263 |
| Noncurrent assets plus other real estate owned to assets | 1.9239% | 3,463 |
| Noncurrent loans to loans | 2.9560% | 2,561 |
| Net loans and leases to total assets | 39.4561% | 7,484 |
| Net loans and leases to deposits | 44.8367% | 7,601 |
| Net loans and leases to core deposits | 50.1269% | 7,683 |
| Total domestic deposits to total assets | 87.9996% | 1,652 |
| Equity capital to assets | 11.3517% | 2,710 |
| Core capital (leverage) ratio | 10.2193% | 3,049 |
| Tier 1 risk-based capital ratio | 18.8269% | 1,789 |
| Total risk-based capital ratio | 19.5346% | 1,857 |
| Memoranda: | ||
| Average total assets | $62,499,000 | 6,299 |
| Average earning assets | $56,129,500 | 6,328 |
| Average equity | $6,889,250 | 6,359 |
| Average total loans | $24,643,500 | 6,998 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5542% | 4,319 |
| Cost of funding earning assets | 1.6457% | 5,531 |
| Net interest margin | 3.9085% | 3,075 |
| Noninterest income to average assets | 0.2785% | 6,273 |
| Noninterest expense to average assets | 2.4267% | 6,381 |
| Loan and lease loss provision to assets | 0.1441% | 5,628 |
| Net operating income to assets | 1.1732% | 1,552 |
| Return on assets (ROA) | 1.3222% | 1,251 |
| Pretax return on assets | 1.3926% | 1,748 |
| Return on Equity (ROE) | 12.1156% | 1,379 |
| Retained earnings to average equity (ytd only) | 7.6272% | 1,341 |
| Net charge-offs to loans | 0.3096% | 3,642 |
| Credit loss provision to net charge-offs | 118.4211% | 3,925 |
| Earnings coverage of net charge-offs (x) | 11.3421% | 1,911 |
| Efficiency ratio | 63.7511% | 5,959 |
| Assets per employee ($millions) | 3.6879% | 4,357 |
| Cash dividends to net income (ytd only)* | 37.0460% | 2,550 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8348% | 1,956 |
| Loan loss allowance to noncurrent loans | 34.0272% | 6,188 |
| Noncurrent assets plus other real estate owned to assets | 2.6238% | 2,447 |
| Noncurrent loans to loans | 5.3922% | 1,086 |
| Net loans and leases to total assets | 36.2676% | 7,696 |
| Net loans and leases to deposits | 41.0159% | 7,791 |
| Net loans and leases to core deposits | 45.8548% | 7,835 |
| Total domestic deposits to total assets | 88.4233% | 1,562 |
| Equity capital to assets | 10.9466% | 2,969 |
| Core capital (leverage) ratio | 10.0603% | 3,228 |
| Tier 1 risk-based capital ratio | 19.6742% | 1,639 |
| Total risk-based capital ratio | 20.9250% | 1,597 |
| Memoranda: | ||
| Average total assets | $62,471,670 | 6,358 |
| Average earning assets | $56,390,000 | 6,368 |
| Average equity | $6,817,670 | 6,436 |
| Average total loans | $24,547,330 | 7,054 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3919% | 5,469 |
| Cost of funding earning assets | 1.6823% | 5,676 |
| Net interest margin | 3.7095% | 3,851 |
| Noninterest income to average assets | 0.2694% | 6,283 |
| Noninterest expense to average assets | 2.1296% | 7,051 |
| Loan and lease loss provision to assets | 0.1475% | 5,057 |
| Net operating income to assets | 1.3021% | 1,378 |
| Return on assets (ROA) | 1.3021% | 1,475 |
| Pretax return on assets | 1.3727% | 2,049 |
| Return on Equity (ROE) | 11.9500% | 1,675 |
| Retained earnings to average equity (ytd only) | 11.9500% | 793 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.3480% | 6,641 |
| Assets per employee ($millions) | 3.7233% | 4,289 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9481% | 1,530 |
| Loan loss allowance to noncurrent loans | 37.5639% | 6,045 |
| Noncurrent assets plus other real estate owned to assets | 2.6558% | 2,160 |
| Noncurrent loans to loans | 5.1860% | 1,030 |
| Net loans and leases to total assets | 35.0686% | 7,762 |
| Net loans and leases to deposits | 39.7091% | 7,844 |
| Net loans and leases to core deposits | 44.0487% | 7,902 |
| Total domestic deposits to total assets | 88.3136% | 1,568 |
| Equity capital to assets | 11.0528% | 2,921 |
| Core capital (leverage) ratio | 10.1243% | 3,270 |
| Tier 1 risk-based capital ratio | 19.2799% | 1,758 |
| Total risk-based capital ratio | 20.5318% | 1,716 |
| Memoranda: | ||
| Average total assets | $62,360,000 | 6,387 |
| Average earning assets | $56,826,500 | 6,384 |
| Average equity | $6,795,000 | 6,486 |
| Average total loans | $25,239,500 | 7,048 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8016% | 6,424 |
| Cost of funding earning assets | 2.3093% | 5,106 |
| Net interest margin | 3.4923% | 5,323 |
| Noninterest income to average assets | 0.8296% | 2,352 |
| Noninterest expense to average assets | 2.1581% | 7,096 |
| Loan and lease loss provision to assets | 0.1620% | 5,308 |
| Net operating income to assets | 1.6695% | 717 |
| Return on assets (ROA) | 1.6837% | 674 |
| Pretax return on assets | 1.7556% | 1,038 |
| Return on Equity (ROE) | 15.8040% | 799 |
| Retained earnings to average equity (ytd only) | 2.0273% | 3,970 |
| Net charge-offs to loans | 0.0080% | 6,826 |
| Credit loss provision to net charge-offs | 4,950.0000% | 103 |
| Earnings coverage of net charge-offs (x) | 581.5000% | 99 |
| Efficiency ratio | 53.1426% | 7,365 |
| Assets per employee ($millions) | 3.6132% | 4,385 |
| Cash dividends to net income (ytd only)* | 87.1720% | 1,406 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5014% | 2,683 |
| Loan loss allowance to noncurrent loans | 25.6757% | 6,960 |
| Noncurrent assets plus other real estate owned to assets | 2.6618% | 1,794 |
| Noncurrent loans to loans | 5.8475% | 639 |
| Net loans and leases to total assets | 44.6454% | 7,428 |
| Net loans and leases to deposits | 50.4044% | 7,613 |
| Net loans and leases to core deposits | 55.9197% | 7,740 |
| Total domestic deposits to total assets | 88.5745% | 1,217 |
| Equity capital to assets | 10.7352% | 3,266 |
| Core capital (leverage) ratio | 9.9566% | 3,486 |
| Tier 1 risk-based capital ratio | 17.1449% | 2,266 |
| Total risk-based capital ratio | 18.3117% | 2,244 |
| Memoranda: | ||
| Average total assets | $61,117,200 | 6,349 |
| Average earning assets | $56,553,600 | 6,322 |
| Average equity | $6,511,000 | 6,638 |
| Average total loans | $25,100,400 | 7,022 |