Home > GreenLeaf Bank > Performance and Condition Ratios
GreenLeaf Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7372% | 3,560 |
| Cost of funding earning assets | 1.8724% | 2,256 |
| Net interest margin | 2.8647% | 3,613 |
| Noninterest income to average assets | 0.1500% | 3,849 |
| Noninterest expense to average assets | 2.0476% | 3,454 |
| Loan and lease loss provision to assets | 0.0600% | 1,800 |
| Net operating income to assets | 0.7884% | 2,872 |
| Return on assets (ROA) | 0.7884% | 2,871 |
| Pretax return on assets | 0.7884% | 3,213 |
| Return on Equity (ROE) | 12.5700% | 1,598 |
| Retained earnings to average equity (ytd only) | 12.5690% | 698 |
| 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 | 70.6592% | 1,741 |
| Assets per employee ($millions) | 7.8465% | 1,671 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5451% | 914 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,773 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,816 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 60.0500% | 2,868 |
| Net loans and leases to deposits | 69.5925% | 2,888 |
| Net loans and leases to core deposits | 75.6909% | 2,973 |
| Total domestic deposits to total assets | 86.2900% | 2,203 |
| Equity capital to assets | 6.5219% | 4,147 |
| Core capital (leverage) ratio | 9.1262% | 3,656 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $148,663,500 | 3,377 |
| Average earning assets | $142,701,500 | 3,323 |
| Average equity | $9,324,500 | 3,846 |
| Average total loans | $89,996,000 | 3,320 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6200% | 3,712 |
| Cost of funding earning assets | 1.7608% | 2,822 |
| Net interest margin | 2.8592% | 3,383 |
| Noninterest income to average assets | 0.1600% | 3,940 |
| Noninterest expense to average assets | 2.1269% | 3,316 |
| Loan and lease loss provision to assets | 0.0700% | 1,825 |
| Net operating income to assets | 0.7512% | 2,828 |
| Return on assets (ROA) | 0.7254% | 2,919 |
| Pretax return on assets | 0.6724% | 3,315 |
| Return on Equity (ROE) | 11.2300% | 1,819 |
| Retained earnings to average equity (ytd only) | 7.2317% | 1,354 |
| Net charge-offs to loans | 0.0861% | 1,286 |
| Credit loss provision to net charge-offs | -93.5065% | 4,352 |
| Earnings coverage of net charge-offs (x) | 13.4935% | 2,112 |
| Efficiency ratio | 73.5623% | 1,601 |
| Assets per employee ($millions) | 7.8023% | 1,653 |
| Cash dividends to net income (ytd only)* | 35.5984% | 2,350 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5540% | 883 |
| Loan loss allowance to noncurrent loans | 1,203.4783% | 640 |
| Noncurrent assets plus other real estate owned to assets | 0.0776% | 3,128 |
| Noncurrent loans to loans | 0.1291% | 3,012 |
| Net loans and leases to total assets | 59.1400% | 3,007 |
| Net loans and leases to deposits | 69.8984% | 2,957 |
| Net loans and leases to core deposits | 74.8144% | 3,105 |
| Total domestic deposits to total assets | 84.6100% | 2,637 |
| Equity capital to assets | 6.0212% | 4,203 |
| Core capital (leverage) ratio | 9.5872% | 3,138 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $135,922,600 | 3,489 |
| Average earning assets | $129,653,600 | 3,444 |
| Average equity | $8,780,800 | 3,892 |
| Average total loans | $89,443,600 | 3,304 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6411% | 3,641 |
| Cost of funding earning assets | 1.7329% | 2,880 |
| Net interest margin | 2.9082% | 3,276 |
| Noninterest income to average assets | 0.1800% | 3,801 |
| Noninterest expense to average assets | 2.1709% | 3,157 |
| Loan and lease loss provision to assets | 0.0700% | 1,666 |
| Net operating income to assets | 0.7829% | 2,749 |
| Return on assets (ROA) | 0.7367% | 2,897 |
| Pretax return on assets | 0.6644% | 3,349 |
| Return on Equity (ROE) | 11.1900% | 1,847 |
| Retained earnings to average equity (ytd only) | 8.9807% | 1,125 |
| Net charge-offs to loans | 0.0000% | 2,849 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 73.5965% | 1,635 |
| Assets per employee ($millions) | 7.0564% | 2,108 |
| Cash dividends to net income (ytd only)* | 19.7548% | 2,551 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5689% | 903 |
| Loan loss allowance to noncurrent loans | 1,844.8718% | 463 |
| Noncurrent assets plus other real estate owned to assets | 0.0582% | 3,321 |
| Noncurrent loans to loans | 0.0850% | 3,263 |
| Net loans and leases to total assets | 67.3400% | 2,167 |
| Net loans and leases to deposits | 74.9396% | 2,613 |
| Net loans and leases to core deposits | 83.1850% | 2,617 |
| Total domestic deposits to total assets | 89.8500% | 632 |
| Equity capital to assets | 7.3043% | 4,042 |
| Core capital (leverage) ratio | 9.8374% | 2,974 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $132,842,250 | 3,513 |
| Average earning assets | $126,719,750 | 3,480 |
| Average equity | $8,744,500 | 3,907 |
| Average total loans | $89,539,750 | 3,316 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5426% | 3,712 |
| Cost of funding earning assets | 1.6509% | 2,976 |
| Net interest margin | 2.8918% | 3,262 |
| Noninterest income to average assets | 0.1900% | 3,743 |
| Noninterest expense to average assets | 2.2140% | 3,034 |
| Loan and lease loss provision to assets | 0.0700% | 1,571 |
| Net operating income to assets | 0.7717% | 2,716 |
| Return on assets (ROA) | 0.7022% | 2,955 |
| Pretax return on assets | 0.5935% | 3,461 |
| Return on Equity (ROE) | 11.0800% | 1,856 |
| Retained earnings to average equity (ytd only) | 8.8148% | 1,139 |
| Net charge-offs to loans | 0.0000% | 2,619 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 75.1795% | 1,532 |
| Assets per employee ($millions) | 6.5342% | 2,383 |
| Cash dividends to net income (ytd only)* | 20.4301% | 2,495 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6193% | 824 |
| Loan loss allowance to noncurrent loans | 740.0000% | 967 |
| Noncurrent assets plus other real estate owned to assets | 0.1492% | 2,659 |
| Noncurrent loans to loans | 0.2188% | 2,612 |
| Net loans and leases to total assets | 67.0800% | 2,226 |
| Net loans and leases to deposits | 73.9866% | 2,696 |
| Net loans and leases to core deposits | 82.3392% | 2,655 |
| Total domestic deposits to total assets | 90.6700% | 537 |
| Equity capital to assets | 6.4453% | 4,120 |
| Core capital (leverage) ratio | 9.7745% | 3,002 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $132,432,667 | 3,526 |
| Average earning assets | $126,358,333 | 3,487 |
| Average equity | $8,395,000 | 3,929 |
| Average total loans | $88,813,667 | 3,328 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4026% | 3,835 |
| Cost of funding earning assets | 1.5324% | 3,116 |
| Net interest margin | 2.8702% | 3,249 |
| Noninterest income to average assets | 0.2300% | 3,433 |
| Noninterest expense to average assets | 2.1634% | 3,159 |
| Loan and lease loss provision to assets | 0.0700% | 1,402 |
| Net operating income to assets | 0.7381% | 2,723 |
| Return on assets (ROA) | 0.7381% | 2,741 |
| Pretax return on assets | 0.7381% | 3,065 |
| Return on Equity (ROE) | 11.7400% | 1,642 |
| Retained earnings to average equity (ytd only) | 11.7408% | 791 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 72.9019% | 1,859 |
| Assets per employee ($millions) | 6.8031% | 2,206 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6386% | 788 |
| Loan loss allowance to noncurrent loans | 1,468.3673% | 615 |
| Noncurrent assets plus other real estate owned to assets | 0.0720% | 3,172 |
| Noncurrent loans to loans | 0.1116% | 3,054 |
| Net loans and leases to total assets | 63.4800% | 2,522 |
| Net loans and leases to deposits | 71.1205% | 2,802 |
| Net loans and leases to core deposits | 73.4750% | 3,136 |
| Total domestic deposits to total assets | 89.2600% | 1,032 |
| Equity capital to assets | 6.1406% | 4,168 |
| Core capital (leverage) ratio | 9.4951% | 3,223 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $133,307,000 | 3,532 |
| Average earning assets | $127,380,000 | 3,486 |
| Average equity | $8,381,000 | 3,955 |
| Average total loans | $88,664,500 | 3,337 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9551% | 4,027 |
| Cost of funding earning assets | 1.1470% | 2,945 |
| Net interest margin | 2.8082% | 3,645 |
| Noninterest income to average assets | 0.9900% | 650 |
| Noninterest expense to average assets | 2.1723% | 3,197 |
| Loan and lease loss provision to assets | 0.1400% | 913 |
| Net operating income to assets | 1.2765% | 1,480 |
| Return on assets (ROA) | 0.9813% | 2,264 |
| Pretax return on assets | 1.0310% | 2,582 |
| Return on Equity (ROE) | 18.2700% | 784 |
| Retained earnings to average equity (ytd only) | 14.6548% | 352 |
| Net charge-offs to loans | -0.0201% | 4,155 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 59.4514% | 3,145 |
| Assets per employee ($millions) | 6.8712% | 2,156 |
| Cash dividends to net income (ytd only)* | 19.7941% | 2,949 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7126% | 640 |
| Loan loss allowance to noncurrent loans | 1,564.2857% | 652 |
| Noncurrent assets plus other real estate owned to assets | 0.0751% | 3,049 |
| Noncurrent loans to loans | 0.1095% | 2,985 |
| Net loans and leases to total assets | 67.3900% | 2,105 |
| Net loans and leases to deposits | 75.9048% | 2,459 |
| Net loans and leases to core deposits | 78.2362% | 2,820 |
| Total domestic deposits to total assets | 88.7800% | 1,130 |
| Equity capital to assets | 6.4395% | 4,136 |
| Core capital (leverage) ratio | 9.6339% | 3,133 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2888% | 1,444 |
| Memoranda: | ||
| Average total assets | $128,708,800 | 3,562 |
| Average earning assets | $122,321,800 | 3,523 |
| Average equity | $6,912,400 | 4,060 |
| Average total loans | $84,653,600 | 3,357 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8546% | 4,060 |
| Cost of funding earning assets | 1.0502% | 2,889 |
| Net interest margin | 2.8045% | 3,719 |
| Noninterest income to average assets | 0.1500% | 4,067 |
| Noninterest expense to average assets | 2.1312% | 3,266 |
| Loan and lease loss provision to assets | 0.1400% | 833 |
| Net operating income to assets | 0.4768% | 3,810 |
| Return on assets (ROA) | 0.4460% | 3,876 |
| Pretax return on assets | 0.5105% | 3,891 |
| Return on Equity (ROE) | 8.7500% | 2,996 |
| Retained earnings to average equity (ytd only) | 6.7289% | 2,387 |
| Net charge-offs to loans | -0.0144% | 4,041 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 75.6458% | 1,207 |
| Assets per employee ($millions) | 6.6634% | 2,207 |
| Cash dividends to net income (ytd only)* | 23.0769% | 2,340 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7461% | 637 |
| Loan loss allowance to noncurrent loans | 223.9032% | 2,369 |
| Noncurrent assets plus other real estate owned to assets | 0.5221% | 1,117 |
| Noncurrent loans to loans | 0.7799% | 1,063 |
| Net loans and leases to total assets | 65.7800% | 2,265 |
| Net loans and leases to deposits | 72.5124% | 2,679 |
| Net loans and leases to core deposits | 74.4739% | 2,965 |
| Total domestic deposits to total assets | 90.7100% | 741 |
| Equity capital to assets | 4.3782% | 4,353 |
| Core capital (leverage) ratio | 8.9632% | 3,814 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2534% | 1,491 |
| Memoranda: | ||
| Average total assets | $128,247,750 | 3,582 |
| Average earning assets | $121,755,500 | 3,538 |
| Average equity | $6,538,750 | 4,103 |
| Average total loans | $83,439,000 | 3,372 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7537% | 4,076 |
| Cost of funding earning assets | 0.9094% | 2,893 |
| Net interest margin | 2.8443% | 3,742 |
| Noninterest income to average assets | 0.1600% | 3,996 |
| Noninterest expense to average assets | 2.1057% | 3,328 |
| Loan and lease loss provision to assets | 0.1400% | 795 |
| Net operating income to assets | 0.5418% | 3,721 |
| Return on assets (ROA) | 0.4954% | 3,825 |
| Pretax return on assets | 0.5606% | 3,869 |
| Return on Equity (ROE) | 9.2900% | 2,893 |
| Retained earnings to average equity (ytd only) | 7.8304% | 2,026 |
| Net charge-offs to loans | -0.0169% | 4,081 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 73.6556% | 1,384 |
| Assets per employee ($millions) | 6.3552% | 2,424 |
| Cash dividends to net income (ytd only)* | 15.6740% | 2,574 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7211% | 715 |
| Loan loss allowance to noncurrent loans | 260.0726% | 2,311 |
| Noncurrent assets plus other real estate owned to assets | 0.4335% | 1,229 |
| Noncurrent loans to loans | 0.6618% | 1,125 |
| Net loans and leases to total assets | 64.3800% | 2,350 |
| Net loans and leases to deposits | 72.9331% | 2,584 |
| Net loans and leases to core deposits | 74.5986% | 2,851 |
| Total domestic deposits to total assets | 88.2700% | 1,505 |
| Equity capital to assets | 5.2981% | 4,329 |
| Core capital (leverage) ratio | 9.1555% | 3,597 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1793% | 1,515 |
| Memoranda: | ||
| Average total assets | $128,795,333 | 3,582 |
| Average earning assets | $122,280,667 | 3,536 |
| Average equity | $6,870,667 | 4,092 |
| Average total loans | $82,999,000 | 3,380 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6848% | 4,048 |
| Cost of funding earning assets | 0.6499% | 3,221 |
| Net interest margin | 3.0349% | 3,514 |
| Noninterest income to average assets | 0.1600% | 4,021 |
| Noninterest expense to average assets | 2.0333% | 3,546 |
| Loan and lease loss provision to assets | 0.1400% | 788 |
| Net operating income to assets | 0.7928% | 3,214 |
| Return on assets (ROA) | 0.6973% | 3,423 |
| Pretax return on assets | 0.7683% | 3,536 |
| Return on Equity (ROE) | 13.0300% | 1,979 |
| Retained earnings to average equity (ytd only) | 13.0278% | 1,092 |
| Net charge-offs to loans | -0.0048% | 3,624 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 66.7680% | 2,116 |
| Assets per employee ($millions) | 6.6395% | 2,240 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6716% | 874 |
| Loan loss allowance to noncurrent loans | 249.9096% | 2,430 |
| Noncurrent assets plus other real estate owned to assets | 0.4384% | 1,173 |
| Noncurrent loans to loans | 0.6689% | 1,128 |
| Net loans and leases to total assets | 64.4400% | 2,208 |
| Net loans and leases to deposits | 72.5207% | 2,426 |
| Net loans and leases to core deposits | 73.4930% | 2,716 |
| Total domestic deposits to total assets | 88.8600% | 1,595 |
| Equity capital to assets | 5.8565% | 4,250 |
| Core capital (leverage) ratio | 8.7720% | 3,920 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2769% | 1,549 |
| Memoranda: | ||
| Average total assets | $129,641,500 | 3,623 |
| Average earning assets | $123,101,000 | 3,571 |
| Average equity | $6,939,000 | 4,132 |
| Average total loans | $82,868,000 | 3,420 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2101% | 3,808 |
| Cost of funding earning assets | 0.2887% | 2,972 |
| Net interest margin | 2.9214% | 3,631 |
| Noninterest income to average assets | 0.2500% | 3,641 |
| Noninterest expense to average assets | 2.1647% | 3,111 |
| Loan and lease loss provision to assets | 0.1800% | 616 |
| Net operating income to assets | 0.6295% | 3,804 |
| Return on assets (ROA) | 0.6011% | 3,834 |
| Pretax return on assets | 0.6520% | 3,943 |
| Return on Equity (ROE) | 10.0600% | 2,787 |
| Retained earnings to average equity (ytd only) | 8.4936% | 1,646 |
| Net charge-offs to loans | 0.0895% | 781 |
| Credit loss provision to net charge-offs | 349.2537% | 841 |
| Earnings coverage of net charge-offs (x) | 16.6866% | 1,971 |
| Efficiency ratio | 71.4796% | 1,502 |
| Assets per employee ($millions) | 6.6567% | 2,209 |
| Cash dividends to net income (ytd only)* | 15.5527% | 3,056 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6085% | 963 |
| Loan loss allowance to noncurrent loans | 241.5913% | 2,445 |
| Noncurrent assets plus other real estate owned to assets | 0.4154% | 1,240 |
| Noncurrent loans to loans | 0.6658% | 1,119 |
| Net loans and leases to total assets | 61.3800% | 2,503 |
| Net loans and leases to deposits | 64.6037% | 2,987 |
| Net loans and leases to core deposits | 65.5367% | 3,164 |
| Total domestic deposits to total assets | 95.0200% | 135 |
| Equity capital to assets | 4.8748% | 4,390 |
| Core capital (leverage) ratio | 8.6190% | 4,029 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0724% | 1,611 |
| Memoranda: | ||
| Average total assets | $129,438,800 | 3,638 |
| Average earning assets | $123,298,200 | 3,582 |
| Average equity | $7,735,200 | 4,124 |
| Average total loans | $74,884,200 | 3,492 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1074% | 3,660 |
| Cost of funding earning assets | 0.2512% | 2,695 |
| Net interest margin | 2.8562% | 3,605 |
| Noninterest income to average assets | 0.2600% | 3,611 |
| Noninterest expense to average assets | 2.1393% | 3,103 |
| Loan and lease loss provision to assets | 0.0800% | 1,289 |
| Net operating income to assets | 0.7075% | 3,548 |
| Return on assets (ROA) | 0.6910% | 3,548 |
| Pretax return on assets | 0.7387% | 3,715 |
| Return on Equity (ROE) | 11.0400% | 2,366 |
| Retained earnings to average equity (ytd only) | 10.1739% | 1,295 |
| Net charge-offs to loans | -0.0055% | 3,503 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 71.7717% | 1,546 |
| Assets per employee ($millions) | 6.4741% | 2,345 |
| Cash dividends to net income (ytd only)* | 7.8078% | 2,906 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5361% | 1,202 |
| Loan loss allowance to noncurrent loans | 227.5862% | 2,527 |
| Noncurrent assets plus other real estate owned to assets | 0.4255% | 1,280 |
| Noncurrent loans to loans | 0.6750% | 1,208 |
| Net loans and leases to total assets | 62.0800% | 2,277 |
| Net loans and leases to deposits | 65.0266% | 2,790 |
| Net loans and leases to core deposits | 65.9112% | 2,960 |
| Total domestic deposits to total assets | 95.4700% | 172 |
| Equity capital to assets | 4.4254% | 4,414 |
| Core capital (leverage) ratio | 8.7451% | 3,833 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0496% | 1,696 |
| Memoranda: | ||
| Average total assets | $128,515,250 | 3,673 |
| Average earning assets | $122,630,250 | 3,616 |
| Average equity | $8,046,500 | 4,130 |
| Average total loans | $72,840,500 | 3,537 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0156% | 3,520 |
| Cost of funding earning assets | 0.2405% | 2,390 |
| Net interest margin | 2.7751% | 3,515 |
| Noninterest income to average assets | 0.2637% | 3,593 |
| Noninterest expense to average assets | 2.1499% | 3,001 |
| Loan and lease loss provision to assets | 0.0702% | 1,360 |
| Net operating income to assets | 0.6313% | 3,536 |
| Return on assets (ROA) | 0.6069% | 3,556 |
| Pretax return on assets | 0.6631% | 3,677 |
| Return on Equity (ROE) | 8.8222% | 2,750 |
| Retained earnings to average equity (ytd only) | 7.6429% | 1,751 |
| Net charge-offs to loans | -0.0029% | 3,193 |
| Credit loss provision to net charge-offs | -4,500.0000% | 3,768 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8874% | 1,523 |
| Assets per employee ($millions) | 6.4284% | 2,366 |
| Cash dividends to net income (ytd only)* | 13.3676% | 2,693 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6085% | 1,131 |
| Loan loss allowance to noncurrent loans | 220.5082% | 2,540 |
| Noncurrent assets plus other real estate owned to assets | 0.4286% | 1,327 |
| Noncurrent loans to loans | 0.7294% | 1,183 |
| Net loans and leases to total assets | 57.8080% | 2,554 |
| Net loans and leases to deposits | 61.2808% | 2,949 |
| Net loans and leases to core deposits | 62.3109% | 3,090 |
| Total domestic deposits to total assets | 94.3329% | 229 |
| Equity capital to assets | 5.5706% | 4,340 |
| Core capital (leverage) ratio | 8.8010% | 3,655 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1759% | 1,663 |
| Memoranda: | ||
| Average total assets | $128,193,333 | 3,713 |
| Average earning assets | $122,230,000 | 3,668 |
| Average equity | $8,818,667 | 4,120 |
| Average total loans | $69,909,333 | 3,623 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8861% | 3,566 |
| Cost of funding earning assets | 0.2424% | 2,243 |
| Net interest margin | 2.6436% | 3,548 |
| Noninterest income to average assets | 0.1656% | 4,176 |
| Noninterest expense to average assets | 2.0405% | 3,321 |
| Loan and lease loss provision to assets | 0.0719% | 1,146 |
| Net operating income to assets | 0.4955% | 3,726 |
| Return on assets (ROA) | 0.4875% | 3,707 |
| Pretax return on assets | 0.5656% | 3,718 |
| Return on Equity (ROE) | 6.4683% | 3,199 |
| Retained earnings to average equity (ytd only) | 4.3122% | 2,836 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.9302% | 1,531 |
| Assets per employee ($millions) | 7.1258% | 1,905 |
| Cash dividends to net income (ytd only)* | 33.3333% | 1,668 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7382% | 987 |
| Loan loss allowance to noncurrent loans | 1,268.0851% | 762 |
| Noncurrent assets plus other real estate owned to assets | 0.0733% | 3,339 |
| Noncurrent loans to loans | 0.1371% | 3,125 |
| Net loans and leases to total assets | 52.5370% | 2,937 |
| Net loans and leases to deposits | 56.1330% | 3,259 |
| Net loans and leases to core deposits | 57.0831% | 3,371 |
| Total domestic deposits to total assets | 93.5937% | 153 |
| Equity capital to assets | 6.3338% | 4,489 |
| Core capital (leverage) ratio | 8.5111% | 3,855 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $128,006,500 | 3,733 |
| Average earning assets | $122,104,000 | 3,691 |
| Average equity | $9,647,000 | 4,098 |
| Average total loans | $67,095,500 | 3,679 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1676% | 3,540 |
| Cost of funding earning assets | 0.2984% | 2,420 |
| Net interest margin | 2.8692% | 3,513 |
| Noninterest income to average assets | 0.3682% | 3,230 |
| Noninterest expense to average assets | 2.2781% | 2,856 |
| Loan and lease loss provision to assets | 0.0727% | 1,645 |
| Net operating income to assets | 0.6653% | 3,707 |
| Return on assets (ROA) | 0.6775% | 3,729 |
| Pretax return on assets | 0.7639% | 3,801 |
| Return on Equity (ROE) | 7.3798% | 3,411 |
| Retained earnings to average equity (ytd only) | 5.2336% | 2,702 |
| Net charge-offs to loans | -0.0017% | 3,337 |
| Credit loss provision to net charge-offs | -9,000.0000% | 4,212 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4635% | 1,369 |
| Assets per employee ($millions) | 6.7236% | 2,137 |
| Cash dividends to net income (ytd only)* | 29.0822% | 2,603 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7817% | 900 |
| Loan loss allowance to noncurrent loans | 1,256.9892% | 746 |
| Noncurrent assets plus other real estate owned to assets | 0.0728% | 3,448 |
| Noncurrent loans to loans | 0.1417% | 3,228 |
| Net loans and leases to total assets | 50.4458% | 3,229 |
| Net loans and leases to deposits | 55.3476% | 3,479 |
| Net loans and leases to core deposits | 56.3105% | 3,595 |
| Total domestic deposits to total assets | 91.1436% | 440 |
| Equity capital to assets | 8.7437% | 3,847 |
| Core capital (leverage) ratio | 8.6762% | 3,746 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $123,832,400 | 3,760 |
| Average earning assets | $117,943,600 | 3,709 |
| Average equity | $11,368,800 | 3,994 |
| Average total loans | $59,802,000 | 3,817 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1128% | 3,783 |
| Cost of funding earning assets | 0.3133% | 2,472 |
| Net interest margin | 2.7995% | 3,781 |
| Noninterest income to average assets | 0.4016% | 3,075 |
| Noninterest expense to average assets | 2.2389% | 2,932 |
| Loan and lease loss provision to assets | 0.0741% | 1,564 |
| Net operating income to assets | 0.6734% | 3,832 |
| Return on assets (ROA) | 0.6685% | 3,900 |
| Pretax return on assets | 0.7499% | 3,987 |
| Return on Equity (ROE) | 7.1928% | 3,616 |
| Retained earnings to average equity (ytd only) | 5.8500% | 2,893 |
| Net charge-offs to loans | -0.0046% | 3,405 |
| Credit loss provision to net charge-offs | -3,400.0000% | 4,089 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9749% | 1,311 |
| Assets per employee ($millions) | 6.3446% | 2,380 |
| Cash dividends to net income (ytd only)* | 18.6688% | 2,613 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8704% | 811 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 47.4656% | 3,679 |
| Net loans and leases to deposits | 52.1675% | 3,873 |
| Net loans and leases to core deposits | 53.5740% | 3,945 |
| Total domestic deposits to total assets | 90.9868% | 374 |
| Equity capital to assets | 8.8997% | 3,921 |
| Core capital (leverage) ratio | 8.7043% | 3,847 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $122,853,250 | 3,814 |
| Average earning assets | $117,018,750 | 3,765 |
| Average equity | $11,418,500 | 4,043 |
| Average total loans | $58,349,250 | 3,900 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1140% | 3,834 |
| Cost of funding earning assets | 0.3333% | 2,462 |
| Net interest margin | 2.7807% | 3,828 |
| Noninterest income to average assets | 0.4477% | 2,857 |
| Noninterest expense to average assets | 2.2632% | 2,868 |
| Loan and lease loss provision to assets | 0.0741% | 1,599 |
| Net operating income to assets | 0.6756% | 3,817 |
| Return on assets (ROA) | 0.6683% | 3,900 |
| Pretax return on assets | 0.7522% | 3,965 |
| Return on Equity (ROE) | 7.0853% | 3,639 |
| Retained earnings to average equity (ytd only) | 6.0731% | 2,773 |
| Net charge-offs to loans | -0.0035% | 3,325 |
| Credit loss provision to net charge-offs | -4,500.0000% | 3,966 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0606% | 1,333 |
| Assets per employee ($millions) | 6.2826% | 2,351 |
| Cash dividends to net income (ytd only)* | 14.2857% | 2,724 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9313% | 698 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 45.4226% | 3,944 |
| Net loans and leases to deposits | 50.0368% | 4,106 |
| Net loans and leases to core deposits | 51.1251% | 4,178 |
| Total domestic deposits to total assets | 90.7784% | 444 |
| Equity capital to assets | 9.1388% | 3,667 |
| Core capital (leverage) ratio | 8.9770% | 3,491 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $121,507,000 | 3,838 |
| Average earning assets | $115,798,000 | 3,791 |
| Average equity | $11,460,333 | 4,052 |
| Average total loans | $57,339,667 | 3,946 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1983% | 3,697 |
| Cost of funding earning assets | 0.3558% | 2,479 |
| Net interest margin | 2.8426% | 3,658 |
| Noninterest income to average assets | 0.5124% | 2,557 |
| Noninterest expense to average assets | 2.2673% | 2,885 |
| Loan and lease loss provision to assets | 0.0770% | 1,653 |
| Net operating income to assets | 0.7854% | 3,467 |
| Return on assets (ROA) | 0.7703% | 3,581 |
| Pretax return on assets | 0.8540% | 3,711 |
| Return on Equity (ROE) | 8.0356% | 3,308 |
| Retained earnings to average equity (ytd only) | 8.0356% | 2,221 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5208% | 1,646 |
| Assets per employee ($millions) | 5.8528% | 2,744 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8549% | 792 |
| 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 | 49.7676% | 3,649 |
| Net loans and leases to deposits | 55.0848% | 3,860 |
| Net loans and leases to core deposits | 56.1590% | 3,961 |
| Total domestic deposits to total assets | 90.3474% | 644 |
| Equity capital to assets | 9.4861% | 3,218 |
| Core capital (leverage) ratio | 8.7784% | 3,836 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $119,435,000 | 3,869 |
| Average earning assets | $113,559,000 | 3,819 |
| Average equity | $11,449,000 | 4,062 |
| Average total loans | $56,910,500 | 3,972 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4986% | 4,036 |
| Cost of funding earning assets | 0.4499% | 3,280 |
| Net interest margin | 3.0487% | 3,757 |
| Noninterest income to average assets | 0.7115% | 1,825 |
| Noninterest expense to average assets | 2.4951% | 2,862 |
| Loan and lease loss provision to assets | 0.0610% | 3,607 |
| Net operating income to assets | 0.9670% | 2,409 |
| Return on assets (ROA) | 0.9851% | 2,490 |
| Pretax return on assets | 1.0749% | 2,794 |
| Return on Equity (ROE) | 9.8215% | 2,070 |
| Retained earnings to average equity (ytd only) | 7.3258% | 1,270 |
| Net charge-offs to loans | -0.0053% | 4,151 |
| Credit loss provision to net charge-offs | -2,266.6667% | 4,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9441% | 2,108 |
| Assets per employee ($millions) | 6.0907% | 2,260 |
| Cash dividends to net income (ytd only)* | 25.4098% | 3,034 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9793% | 619 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 43.8258% | 4,256 |
| Net loans and leases to deposits | 50.4508% | 4,292 |
| Net loans and leases to core deposits | 51.2593% | 4,379 |
| Total domestic deposits to total assets | 86.8685% | 2,001 |
| Equity capital to assets | 9.6820% | 3,428 |
| Core capital (leverage) ratio | 9.0072% | 3,675 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $111,457,400 | 3,864 |
| Average earning assets | $106,012,600 | 3,826 |
| Average equity | $11,179,600 | 4,056 |
| Average total loans | $56,536,400 | 3,971 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5855% | 4,047 |
| Cost of funding earning assets | 0.4694% | 3,422 |
| Net interest margin | 3.1161% | 3,702 |
| Noninterest income to average assets | 0.7593% | 1,620 |
| Noninterest expense to average assets | 2.5425% | 2,715 |
| Loan and lease loss provision to assets | 0.0551% | 3,661 |
| Net operating income to assets | 1.1292% | 1,882 |
| Return on assets (ROA) | 1.1316% | 1,998 |
| Pretax return on assets | 1.1316% | 2,636 |
| Return on Equity (ROE) | 11.1733% | 1,627 |
| Retained earnings to average equity (ytd only) | 8.9846% | 984 |
| Net charge-offs to loans | -0.0047% | 4,036 |
| Credit loss provision to net charge-offs | -2,250.0000% | 4,100 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0250% | 2,190 |
| Assets per employee ($millions) | 5.8007% | 2,448 |
| Cash dividends to net income (ytd only)* | 19.5887% | 2,798 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9233% | 562 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 46.3289% | 4,297 |
| Net loans and leases to deposits | 53.7813% | 4,343 |
| Net loans and leases to core deposits | 54.7137% | 4,422 |
| Total domestic deposits to total assets | 86.1431% | 2,007 |
| Equity capital to assets | 10.1479% | 3,104 |
| Core capital (leverage) ratio | 9.2312% | 3,530 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $108,868,250 | 3,890 |
| Average earning assets | $103,673,000 | 3,852 |
| Average equity | $11,026,000 | 4,079 |
| Average total loans | $57,054,500 | 3,983 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7758% | 3,929 |
| Cost of funding earning assets | 0.4855% | 3,619 |
| Net interest margin | 3.2903% | 3,409 |
| Noninterest income to average assets | 0.6968% | 1,745 |
| Noninterest expense to average assets | 2.5299% | 2,881 |
| Loan and lease loss provision to assets | 0.0432% | 3,747 |
| Net operating income to assets | 1.2546% | 1,480 |
| Return on assets (ROA) | 1.2584% | 1,587 |
| Pretax return on assets | 1.2584% | 2,157 |
| Return on Equity (ROE) | 12.4339% | 1,234 |
| Retained earnings to average equity (ytd only) | 10.7637% | 646 |
| Net charge-offs to loans | -0.0035% | 3,910 |
| Credit loss provision to net charge-offs | -2,300.0000% | 3,929 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7998% | 2,552 |
| Assets per employee ($millions) | 5.7006% | 2,446 |
| Cash dividends to net income (ytd only)* | 13.4328% | 2,954 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7601% | 715 |
| Loan loss allowance to noncurrent loans | 945.8716% | 592 |
| Noncurrent assets plus other real estate owned to assets | 0.0956% | 4,051 |
| Noncurrent loans to loans | 0.1861% | 3,713 |
| Net loans and leases to total assets | 50.4741% | 4,141 |
| Net loans and leases to deposits | 58.6181% | 4,186 |
| Net loans and leases to core deposits | 59.7992% | 4,272 |
| Total domestic deposits to total assets | 86.1066% | 1,963 |
| Equity capital to assets | 10.1341% | 3,081 |
| Core capital (leverage) ratio | 9.5324% | 3,315 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $106,486,333 | 3,906 |
| Average earning assets | $101,329,667 | 3,869 |
| Average equity | $10,777,000 | 4,121 |
| Average total loans | $57,805,333 | 3,980 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0211% | 3,734 |
| Cost of funding earning assets | 0.5118% | 3,886 |
| Net interest margin | 3.5092% | 2,946 |
| Noninterest income to average assets | 0.3660% | 3,322 |
| Noninterest expense to average assets | 2.5544% | 3,118 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.1487% | 1,691 |
| Return on assets (ROA) | 1.1565% | 1,777 |
| Pretax return on assets | 1.1565% | 2,346 |
| Return on Equity (ROE) | 11.4357% | 1,281 |
| Retained earnings to average equity (ytd only) | 11.4357% | 496 |
| Net charge-offs to loans | -0.0070% | 3,952 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6646% | 2,560 |
| Assets per employee ($millions) | 5.1966% | 2,433 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7494% | 787 |
| Loan loss allowance to noncurrent loans | 884.2105% | 614 |
| Noncurrent assets plus other real estate owned to assets | 0.1097% | 4,069 |
| Noncurrent loans to loans | 0.1978% | 3,772 |
| Net loans and leases to total assets | 54.4708% | 3,945 |
| Net loans and leases to deposits | 60.8509% | 4,167 |
| Net loans and leases to core deposits | 61.4693% | 4,294 |
| Total domestic deposits to total assets | 89.5152% | 462 |
| Equity capital to assets | 10.4127% | 3,400 |
| Core capital (leverage) ratio | 9.7721% | 3,680 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $102,724,000 | 3,950 |
| Average earning assets | $97,685,000 | 3,901 |
| Average equity | $10,388,500 | 4,196 |
| Average total loans | $57,419,500 | 3,999 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1267% | 3,989 |
| Cost of funding earning assets | 0.5472% | 3,891 |
| Net interest margin | 3.5795% | 3,202 |
| Noninterest income to average assets | 0.3129% | 3,821 |
| Noninterest expense to average assets | 2.6349% | 3,077 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.0706% | 2,573 |
| Return on assets (ROA) | 1.1288% | 2,437 |
| Pretax return on assets | 1.1288% | 3,084 |
| Return on Equity (ROE) | 11.5402% | 1,673 |
| Retained earnings to average equity (ytd only) | 7.3640% | 1,226 |
| Net charge-offs to loans | -0.0255% | 4,677 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7433% | 2,062 |
| Assets per employee ($millions) | 5.0759% | 2,483 |
| Cash dividends to net income (ytd only)* | 36.1878% | 2,798 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7599% | 706 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 55.3720% | 3,964 |
| Net loans and leases to deposits | 61.4883% | 4,214 |
| Net loans and leases to core deposits | 62.1216% | 4,351 |
| Total domestic deposits to total assets | 90.0529% | 308 |
| Equity capital to assets | 9.8062% | 4,095 |
| Core capital (leverage) ratio | 10.0816% | 3,427 |
| Tier 1 risk-based capital ratio | 16.1349% | 2,359 |
| Total risk-based capital ratio | 17.3892% | 2,305 |
| Memoranda: | ||
| Average total assets | $96,208,600 | 4,059 |
| Average earning assets | $91,186,200 | 4,029 |
| Average equity | $9,410,600 | 4,320 |
| Average total loans | $58,712,400 | 4,006 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1735% | 3,983 |
| Cost of funding earning assets | 0.5526% | 3,912 |
| Net interest margin | 3.6209% | 3,192 |
| Noninterest income to average assets | 0.2993% | 3,946 |
| Noninterest expense to average assets | 2.5898% | 3,192 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.1439% | 2,392 |
| Return on assets (ROA) | 1.2225% | 2,192 |
| Pretax return on assets | 1.2225% | 2,908 |
| Return on Equity (ROE) | 12.5071% | 1,442 |
| Retained earnings to average equity (ytd only) | 8.2662% | 1,294 |
| Net charge-offs to loans | -0.0338% | 4,730 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0252% | 2,254 |
| Assets per employee ($millions) | 4.7897% | 2,808 |
| Cash dividends to net income (ytd only)* | 33.9078% | 2,436 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7284% | 770 |
| Loan loss allowance to noncurrent loans | 4,577.2727% | 158 |
| Noncurrent assets plus other real estate owned to assets | 0.0230% | 4,630 |
| Noncurrent loans to loans | 0.0378% | 4,488 |
| Net loans and leases to total assets | 59.7678% | 3,696 |
| Net loans and leases to deposits | 66.8067% | 4,007 |
| Net loans and leases to core deposits | 66.9943% | 4,223 |
| Total domestic deposits to total assets | 89.4638% | 459 |
| Equity capital to assets | 10.3180% | 3,698 |
| Core capital (leverage) ratio | 10.0571% | 3,584 |
| Tier 1 risk-based capital ratio | 16.1246% | 2,377 |
| Total risk-based capital ratio | 17.3805% | 2,319 |
| Memoranda: | ||
| Average total assets | $94,881,500 | 4,122 |
| Average earning assets | $89,993,250 | 4,090 |
| Average equity | $9,274,500 | 4,381 |
| Average total loans | $59,085,750 | 4,051 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1490% | 4,050 |
| Cost of funding earning assets | 0.5531% | 3,867 |
| Net interest margin | 3.5959% | 3,270 |
| Noninterest income to average assets | 0.2516% | 4,248 |
| Noninterest expense to average assets | 2.5841% | 3,229 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.0912% | 2,562 |
| Return on assets (ROA) | 1.2159% | 2,147 |
| Pretax return on assets | 1.2159% | 2,853 |
| Return on Equity (ROE) | 12.6773% | 1,345 |
| Retained earnings to average equity (ytd only) | 8.3560% | 1,259 |
| Net charge-offs to loans | -0.0472% | 4,816 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9655% | 2,233 |
| Assets per employee ($millions) | 4.7482% | 2,806 |
| Cash dividends to net income (ytd only)* | 34.0870% | 2,460 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7059% | 806 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 61.0417% | 3,644 |
| Net loans and leases to deposits | 68.6276% | 3,932 |
| Net loans and leases to core deposits | 68.8232% | 4,164 |
| Total domestic deposits to total assets | 88.9462% | 682 |
| Equity capital to assets | 10.1313% | 3,853 |
| Core capital (leverage) ratio | 9.9115% | 3,688 |
| Tier 1 risk-based capital ratio | 15.7837% | 2,511 |
| Total risk-based capital ratio | 17.0391% | 2,439 |
| Memoranda: | ||
| Average total assets | $94,577,330 | 4,149 |
| Average earning assets | $90,046,000 | 4,116 |
| Average equity | $9,071,330 | 4,427 |
| Average total loans | $59,360,670 | 4,065 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1214% | 4,071 |
| Cost of funding earning assets | 0.5468% | 3,837 |
| Net interest margin | 3.5745% | 3,350 |
| Noninterest income to average assets | 0.2500% | 4,224 |
| Noninterest expense to average assets | 2.5004% | 3,506 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.1570% | 2,230 |
| Return on assets (ROA) | 1.4494% | 1,265 |
| Pretax return on assets | 1.4494% | 1,925 |
| Return on Equity (ROE) | 15.5516% | 655 |
| Retained earnings to average equity (ytd only) | 11.1408% | 772 |
| Net charge-offs to loans | -0.0672% | 4,915 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0185% | 2,639 |
| Assets per employee ($millions) | 4.9475% | 2,591 |
| Cash dividends to net income (ytd only)* | 28.3626% | 2,276 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6702% | 919 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 62.7561% | 3,427 |
| Net loans and leases to deposits | 70.5756% | 3,730 |
| Net loans and leases to core deposits | 70.7788% | 4,026 |
| Total domestic deposits to total assets | 88.9204% | 893 |
| Equity capital to assets | 9.7040% | 4,089 |
| Core capital (leverage) ratio | 9.7215% | 3,894 |
| Tier 1 risk-based capital ratio | 15.6165% | 2,604 |
| Total risk-based capital ratio | 16.8720% | 2,524 |
| Memoranda: | ||
| Average total assets | $94,384,500 | 4,190 |
| Average earning assets | $89,970,000 | 4,145 |
| Average equity | $8,796,500 | 4,501 |
| Average total loans | $59,554,500 | 4,101 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9332% | 4,205 |
| Cost of funding earning assets | 0.3925% | 4,030 |
| Net interest margin | 3.5407% | 3,572 |
| Noninterest income to average assets | 0.2212% | 4,597 |
| Noninterest expense to average assets | 2.4478% | 3,748 |
| Loan and lease loss provision to assets | 0.0270% | 3,637 |
| Net operating income to assets | 1.1246% | 2,497 |
| Return on assets (ROA) | 1.1278% | 2,485 |
| Pretax return on assets | 1.1278% | 3,179 |
| Return on Equity (ROE) | 12.8625% | 1,393 |
| Retained earnings to average equity (ytd only) | 8.0006% | 1,234 |
| Net charge-offs to loans | -0.0523% | 4,987 |
| Credit loss provision to net charge-offs | -86.2069% | 4,381 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6162% | 2,611 |
| Assets per employee ($millions) | 5.2648% | 2,189 |
| Cash dividends to net income (ytd only)* | 37.7990% | 2,643 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6781% | 869 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 61.3325% | 3,626 |
| Net loans and leases to deposits | 68.6635% | 3,933 |
| Net loans and leases to core deposits | 68.8588% | 4,183 |
| Total domestic deposits to total assets | 89.3233% | 723 |
| Equity capital to assets | 8.9388% | 4,624 |
| Core capital (leverage) ratio | 9.6484% | 3,953 |
| Tier 1 risk-based capital ratio | 15.2876% | 2,703 |
| Total risk-based capital ratio | 16.5437% | 2,629 |
| Memoranda: | ||
| Average total assets | $92,655,400 | 4,225 |
| Average earning assets | $88,401,400 | 4,179 |
| Average equity | $8,124,400 | 4,590 |
| Average total loans | $55,405,200 | 4,199 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8863% | 4,242 |
| Cost of funding earning assets | 0.3589% | 4,123 |
| Net interest margin | 3.5273% | 3,608 |
| Noninterest income to average assets | 0.2127% | 4,694 |
| Noninterest expense to average assets | 2.4039% | 3,847 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.1795% | 2,322 |
| Return on assets (ROA) | 1.1824% | 2,314 |
| Pretax return on assets | 1.1824% | 3,057 |
| Return on Equity (ROE) | 13.5524% | 1,248 |
| Retained earnings to average equity (ytd only) | 10.7988% | 697 |
| Net charge-offs to loans | -0.0612% | 5,007 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7205% | 2,759 |
| Assets per employee ($millions) | 5.0681% | 2,378 |
| Cash dividends to net income (ytd only)* | 20.3184% | 3,003 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7361% | 817 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 59.7483% | 3,869 |
| Net loans and leases to deposits | 66.9681% | 4,130 |
| Net loans and leases to core deposits | 67.1661% | 4,340 |
| Total domestic deposits to total assets | 89.2191% | 767 |
| Equity capital to assets | 8.9108% | 4,627 |
| Core capital (leverage) ratio | 9.7438% | 3,905 |
| Tier 1 risk-based capital ratio | 15.8848% | 2,486 |
| Total risk-based capital ratio | 17.1411% | 2,421 |
| Memoranda: | ||
| Average total assets | $92,127,500 | 4,278 |
| Average earning assets | $88,034,000 | 4,223 |
| Average equity | $8,037,750 | 4,648 |
| Average total loans | $54,477,750 | 4,262 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8208% | 4,299 |
| Cost of funding earning assets | 0.3239% | 4,249 |
| Net interest margin | 3.4969% | 3,635 |
| Noninterest income to average assets | 0.2164% | 4,727 |
| Noninterest expense to average assets | 2.4149% | 3,856 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.1425% | 2,422 |
| Return on assets (ROA) | 1.1425% | 2,431 |
| Pretax return on assets | 1.1425% | 3,161 |
| Return on Equity (ROE) | 13.1879% | 1,305 |
| Retained earnings to average equity (ytd only) | 10.4904% | 793 |
| Net charge-offs to loans | -0.0702% | 5,040 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5182% | 2,723 |
| Assets per employee ($millions) | 5.1453% | 2,244 |
| Cash dividends to net income (ytd only)* | 20.4545% | 2,979 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7682% | 798 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 57.4054% | 4,048 |
| Net loans and leases to deposits | 64.4554% | 4,251 |
| Net loans and leases to core deposits | 64.4554% | 4,463 |
| Total domestic deposits to total assets | 89.0622% | 909 |
| Equity capital to assets | 8.6595% | 4,834 |
| Core capital (leverage) ratio | 9.5664% | 4,034 |
| Tier 1 risk-based capital ratio | 15.6411% | 2,573 |
| Total risk-based capital ratio | 16.8968% | 2,518 |
| Memoranda: | ||
| Average total assets | $92,428,000 | 4,308 |
| Average earning assets | $88,307,000 | 4,249 |
| Average equity | $8,007,330 | 4,691 |
| Average total loans | $54,147,330 | 4,302 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8579% | 4,059 |
| Cost of funding earning assets | 0.3177% | 4,211 |
| Net interest margin | 3.5402% | 3,389 |
| Noninterest income to average assets | 0.2296% | 4,632 |
| Noninterest expense to average assets | 2.4520% | 3,807 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.1567% | 2,187 |
| Return on assets (ROA) | 1.1567% | 2,201 |
| Pretax return on assets | 1.1567% | 2,950 |
| Return on Equity (ROE) | 13.3483% | 1,171 |
| Retained earnings to average equity (ytd only) | 10.8486% | 928 |
| Net charge-offs to loans | -0.0517% | 4,981 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5870% | 2,897 |
| Assets per employee ($millions) | 5.0292% | 2,452 |
| Cash dividends to net income (ytd only)* | 18.7266% | 2,428 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7611% | 845 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 58.2330% | 3,919 |
| Net loans and leases to deposits | 63.8742% | 4,218 |
| Net loans and leases to core deposits | 63.8742% | 4,430 |
| Total domestic deposits to total assets | 91.1683% | 264 |
| Equity capital to assets | 8.7422% | 4,789 |
| Core capital (leverage) ratio | 9.0567% | 4,618 |
| Tier 1 risk-based capital ratio | 15.6823% | 2,601 |
| Total risk-based capital ratio | 16.9387% | 2,543 |
| Memoranda: | ||
| Average total assets | $92,334,500 | 4,365 |
| Average earning assets | $88,130,500 | 4,297 |
| Average equity | $8,001,000 | 4,746 |
| Average total loans | $54,159,500 | 4,342 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6423% | 4,471 |
| Cost of funding earning assets | 0.3251% | 3,913 |
| Net interest margin | 3.3171% | 4,105 |
| Noninterest income to average assets | 0.2857% | 4,419 |
| Noninterest expense to average assets | 2.5000% | 3,783 |
| Loan and lease loss provision to assets | 0.0279% | 3,719 |
| Net operating income to assets | 0.9118% | 2,648 |
| Return on assets (ROA) | 0.9118% | 2,674 |
| Pretax return on assets | 0.9118% | 3,877 |
| Return on Equity (ROE) | 10.4361% | 1,699 |
| Retained earnings to average equity (ytd only) | 6.8339% | 1,147 |
| Net charge-offs to loans | -0.0327% | 5,079 |
| Credit loss provision to net charge-offs | -156.2500% | 4,761 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2583% | 2,182 |
| Assets per employee ($millions) | 5.2302% | 2,219 |
| Cash dividends to net income (ytd only)* | 34.5165% | 3,108 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7161% | 915 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 57.0621% | 4,106 |
| Net loans and leases to deposits | 62.4637% | 4,413 |
| Net loans and leases to core deposits | 62.4637% | 4,633 |
| Total domestic deposits to total assets | 91.3525% | 167 |
| Equity capital to assets | 8.5912% | 5,050 |
| Core capital (leverage) ratio | 9.0517% | 4,583 |
| Tier 1 risk-based capital ratio | 14.7876% | 2,939 |
| Total risk-based capital ratio | 16.0427% | 2,876 |
| Memoranda: | ||
| Average total assets | $89,599,400 | 4,432 |
| Average earning assets | $85,194,200 | 4,372 |
| Average equity | $7,828,600 | 4,809 |
| Average total loans | $48,858,600 | 4,490 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6041% | 4,546 |
| Cost of funding earning assets | 0.3298% | 3,846 |
| Net interest margin | 3.2743% | 4,245 |
| Noninterest income to average assets | 0.2502% | 4,710 |
| Noninterest expense to average assets | 2.5712% | 3,496 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.7913% | 3,558 |
| Return on assets (ROA) | 0.7913% | 3,612 |
| Pretax return on assets | 0.7913% | 4,372 |
| Return on Equity (ROE) | 9.0160% | 2,586 |
| Retained earnings to average equity (ytd only) | 6.0965% | 2,173 |
| Net charge-offs to loans | -0.0309% | 5,006 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.0645% | 1,576 |
| Assets per employee ($millions) | 5.0033% | 2,442 |
| Cash dividends to net income (ytd only)* | 32.3809% | 2,645 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7886% | 871 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 55.3615% | 4,288 |
| Net loans and leases to deposits | 60.9087% | 4,586 |
| Net loans and leases to core deposits | 60.9087% | 4,772 |
| Total domestic deposits to total assets | 90.8926% | 210 |
| Equity capital to assets | 8.9930% | 4,923 |
| Core capital (leverage) ratio | 9.2408% | 4,476 |
| Tier 1 risk-based capital ratio | 15.0279% | 2,905 |
| Total risk-based capital ratio | 16.2821% | 2,834 |
| Memoranda: | ||
| Average total assets | $88,463,500 | 4,496 |
| Average earning assets | $84,087,250 | 4,436 |
| Average equity | $7,763,750 | 4,870 |
| Average total loans | $47,408,750 | 4,570 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5579% | 4,614 |
| Cost of funding earning assets | 0.3306% | 3,786 |
| Net interest margin | 3.2273% | 4,332 |
| Noninterest income to average assets | 0.2820% | 4,539 |
| Noninterest expense to average assets | 2.5975% | 3,438 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.7483% | 3,642 |
| Return on assets (ROA) | 0.7483% | 3,699 |
| Pretax return on assets | 0.7483% | 4,437 |
| Return on Equity (ROE) | 8.5991% | 2,721 |
| Retained earnings to average equity (ytd only) | 5.4365% | 2,451 |
| Net charge-offs to loans | -0.0216% | 4,805 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.2264% | 1,558 |
| Assets per employee ($millions) | 4.5669% | 2,998 |
| Cash dividends to net income (ytd only)* | 36.7781% | 2,479 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9366% | 674 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 52.6386% | 4,512 |
| Net loans and leases to deposits | 58.0074% | 4,748 |
| Net loans and leases to core deposits | 58.2040% | 4,910 |
| Total domestic deposits to total assets | 90.7446% | 283 |
| Equity capital to assets | 9.1448% | 4,763 |
| Core capital (leverage) ratio | 9.1625% | 4,538 |
| Tier 1 risk-based capital ratio | 15.5298% | 2,696 |
| Total risk-based capital ratio | 16.7861% | 2,628 |
| Memoranda: | ||
| Average total assets | $87,931,670 | 4,527 |
| Average earning assets | $83,476,000 | 4,477 |
| Average equity | $7,652,000 | 4,907 |
| Average total loans | $46,289,670 | 4,626 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5288% | 4,612 |
| Cost of funding earning assets | 0.3343% | 3,712 |
| Net interest margin | 3.1946% | 4,363 |
| Noninterest income to average assets | 0.3254% | 4,214 |
| Noninterest expense to average assets | 2.6211% | 3,410 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.7276% | 3,575 |
| Return on assets (ROA) | 0.7276% | 3,624 |
| Pretax return on assets | 0.7276% | 4,354 |
| Return on Equity (ROE) | 8.5747% | 2,627 |
| Retained earnings to average equity (ytd only) | 8.5747% | 1,240 |
| Net charge-offs to loans | 0.0087% | 2,671 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 161.0000% | 336 |
| Efficiency ratio | 77.8677% | 1,647 |
| Assets per employee ($millions) | 4.6274% | 2,964 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9010% | 792 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 52.5899% | 4,464 |
| Net loans and leases to deposits | 57.6802% | 4,725 |
| Net loans and leases to core deposits | 57.8715% | 4,886 |
| Total domestic deposits to total assets | 91.1749% | 251 |
| Equity capital to assets | 8.7364% | 5,047 |
| Core capital (leverage) ratio | 8.8990% | 4,842 |
| Tier 1 risk-based capital ratio | 15.7858% | 2,628 |
| Total risk-based capital ratio | 17.0430% | 2,574 |
| Memoranda: | ||
| Average total assets | $88,512,000 | 4,563 |
| Average earning assets | $83,767,500 | 4,512 |
| Average equity | $7,510,500 | 4,969 |
| Average total loans | $46,146,000 | 4,670 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4831% | 4,823 |
| Cost of funding earning assets | 0.3348% | 3,694 |
| Net interest margin | 3.1483% | 4,589 |
| Noninterest income to average assets | 0.3276% | 4,396 |
| Noninterest expense to average assets | 2.5938% | 3,690 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.7146% | 3,714 |
| Return on assets (ROA) | 0.7550% | 3,630 |
| Pretax return on assets | 0.7550% | 4,319 |
| Return on Equity (ROE) | 8.1282% | 2,876 |
| Retained earnings to average equity (ytd only) | 4.4475% | 2,746 |
| Net charge-offs to loans | -0.0749% | 5,502 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.9333% | 1,702 |
| Assets per employee ($millions) | 4.6897% | 2,808 |
| Cash dividends to net income (ytd only)* | 45.2830% | 2,580 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9863% | 675 |
| Loan loss allowance to noncurrent loans | 89,700.0000% | 10 |
| Noncurrent assets plus other real estate owned to assets | 0.0011% | 5,445 |
| Noncurrent loans to loans | 0.0022% | 5,313 |
| Net loans and leases to total assets | 49.6745% | 4,787 |
| Net loans and leases to deposits | 54.2174% | 5,000 |
| Net loans and leases to core deposits | 54.3940% | 5,131 |
| Total domestic deposits to total assets | 91.6210% | 146 |
| Equity capital to assets | 8.2376% | 5,452 |
| Core capital (leverage) ratio | 9.0106% | 4,733 |
| Tier 1 risk-based capital ratio | 15.9223% | 2,580 |
| Total risk-based capital ratio | 17.1805% | 2,511 |
| Memoranda: | ||
| Average total assets | $84,240,600 | 4,645 |
| Average earning assets | $79,757,000 | 4,590 |
| Average equity | $7,824,600 | 4,963 |
| Average total loans | $44,033,000 | 4,750 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4990% | 4,801 |
| Cost of funding earning assets | 0.3344% | 3,724 |
| Net interest margin | 3.1645% | 4,592 |
| Noninterest income to average assets | 0.3276% | 4,437 |
| Noninterest expense to average assets | 2.5502% | 3,827 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.7708% | 3,507 |
| Return on assets (ROA) | 0.8351% | 3,342 |
| Pretax return on assets | 0.8351% | 4,206 |
| Return on Equity (ROE) | 8.7257% | 2,643 |
| Retained earnings to average equity (ytd only) | 6.7791% | 1,735 |
| Net charge-offs to loans | -0.0853% | 5,518 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.3056% | 1,935 |
| Assets per employee ($millions) | 4.4728% | 3,125 |
| Cash dividends to net income (ytd only)* | 22.3072% | 3,133 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0311% | 690 |
| Loan loss allowance to noncurrent loans | 1,173.6842% | 511 |
| Noncurrent assets plus other real estate owned to assets | 0.0894% | 5,085 |
| Noncurrent loans to loans | 0.1731% | 4,661 |
| Net loans and leases to total assets | 50.6272% | 4,773 |
| Net loans and leases to deposits | 56.1047% | 4,987 |
| Net loans and leases to core deposits | 56.2985% | 5,136 |
| Total domestic deposits to total assets | 90.2370% | 392 |
| Equity capital to assets | 9.6430% | 4,524 |
| Core capital (leverage) ratio | 9.4240% | 4,295 |
| Tier 1 risk-based capital ratio | 16.2917% | 2,506 |
| Total risk-based capital ratio | 17.5496% | 2,452 |
| Memoranda: | ||
| Average total assets | $83,024,750 | 4,705 |
| Average earning assets | $78,535,000 | 4,650 |
| Average equity | $7,945,750 | 4,992 |
| Average total loans | $43,751,500 | 4,793 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5342% | 4,782 |
| Cost of funding earning assets | 0.3395% | 3,692 |
| Net interest margin | 3.1947% | 4,555 |
| Noninterest income to average assets | 0.2817% | 4,772 |
| Noninterest expense to average assets | 2.5640% | 3,841 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.7333% | 3,637 |
| Return on assets (ROA) | 0.8304% | 3,307 |
| Pretax return on assets | 0.8304% | 4,189 |
| Return on Equity (ROE) | 8.6993% | 2,636 |
| Retained earnings to average equity (ytd only) | 6.7407% | 1,743 |
| Net charge-offs to loans | -0.1098% | 5,655 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.3196% | 1,882 |
| Assets per employee ($millions) | 4.5812% | 2,898 |
| Cash dividends to net income (ytd only)* | 22.5146% | 3,111 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9753% | 775 |
| Loan loss allowance to noncurrent loans | 345.5253% | 1,457 |
| Noncurrent assets plus other real estate owned to assets | 0.3117% | 4,257 |
| Noncurrent loans to loans | 0.5717% | 3,353 |
| Net loans and leases to total assets | 53.4392% | 4,561 |
| Net loans and leases to deposits | 59.3927% | 4,829 |
| Net loans and leases to core deposits | 59.6048% | 4,996 |
| Total domestic deposits to total assets | 89.9760% | 497 |
| Equity capital to assets | 9.9015% | 4,339 |
| Core capital (leverage) ratio | 9.3830% | 4,355 |
| Tier 1 risk-based capital ratio | 16.0932% | 2,594 |
| Total risk-based capital ratio | 17.3503% | 2,537 |
| Memoranda: | ||
| Average total assets | $82,371,670 | 4,763 |
| Average earning assets | $77,754,670 | 4,707 |
| Average equity | $7,862,670 | 5,050 |
| Average total loans | $43,696,330 | 4,839 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5002% | 4,891 |
| Cost of funding earning assets | 0.3459% | 3,649 |
| Net interest margin | 3.1543% | 4,722 |
| Noninterest income to average assets | 0.2672% | 4,820 |
| Noninterest expense to average assets | 2.5703% | 3,848 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.6656% | 3,895 |
| Return on assets (ROA) | 0.6656% | 4,018 |
| Pretax return on assets | 0.6656% | 4,636 |
| Return on Equity (ROE) | 7.1063% | 3,402 |
| Retained earnings to average equity (ytd only) | 7.1063% | 1,840 |
| Net charge-offs to loans | -0.1858% | 5,827 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.9790% | 1,752 |
| Assets per employee ($millions) | 4.5134% | 3,044 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0290% | 778 |
| Loan loss allowance to noncurrent loans | 736.6667% | 741 |
| Noncurrent assets plus other real estate owned to assets | 0.1477% | 4,983 |
| Noncurrent loans to loans | 0.2754% | 4,447 |
| Net loans and leases to total assets | 52.5393% | 4,574 |
| Net loans and leases to deposits | 58.2383% | 4,838 |
| Net loans and leases to core deposits | 58.4480% | 5,018 |
| Total domestic deposits to total assets | 90.2144% | 522 |
| Equity capital to assets | 9.6896% | 4,459 |
| Core capital (leverage) ratio | 8.9588% | 4,912 |
| Tier 1 risk-based capital ratio | 15.9790% | 2,690 |
| Total risk-based capital ratio | 17.2361% | 2,632 |
| Memoranda: | ||
| Average total assets | $82,326,500 | 4,806 |
| Average earning assets | $77,481,000 | 4,760 |
| Average equity | $7,711,500 | 5,108 |
| Average total loans | $43,067,000 | 4,897 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4634% | 5,016 |
| Cost of funding earning assets | 0.3758% | 3,419 |
| Net interest margin | 3.0875% | 4,935 |
| Noninterest income to average assets | 0.2962% | 4,764 |
| Noninterest expense to average assets | 2.6203% | 3,849 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.5838% | 4,361 |
| Return on assets (ROA) | 0.5875% | 4,434 |
| Pretax return on assets | 0.5875% | 4,880 |
| Return on Equity (ROE) | 6.4024% | 3,840 |
| Retained earnings to average equity (ytd only) | 4.2727% | 2,935 |
| Net charge-offs to loans | 0.0536% | 3,131 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 20.6522% | 1,865 |
| Efficiency ratio | 81.7798% | 1,437 |
| Assets per employee ($millions) | 4.9065% | 2,464 |
| Cash dividends to net income (ytd only)* | 33.2636% | 3,195 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0298% | 765 |
| Loan loss allowance to noncurrent loans | 1,309.0909% | 475 |
| Noncurrent assets plus other real estate owned to assets | 0.0791% | 5,313 |
| Noncurrent loans to loans | 0.1551% | 4,871 |
| Net loans and leases to total assets | 49.9958% | 4,869 |
| Net loans and leases to deposits | 55.2747% | 5,091 |
| Net loans and leases to core deposits | 55.4681% | 5,229 |
| Total domestic deposits to total assets | 90.4497% | 450 |
| Equity capital to assets | 9.0528% | 5,075 |
| Core capital (leverage) ratio | 9.1250% | 4,719 |
| Tier 1 risk-based capital ratio | 16.0099% | 2,683 |
| Total risk-based capital ratio | 17.2673% | 2,622 |
| Memoranda: | ||
| Average total assets | $81,366,200 | 4,837 |
| Average earning assets | $76,630,400 | 4,795 |
| Average equity | $7,466,000 | 5,155 |
| Average total loans | $42,889,800 | 4,901 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4725% | 5,039 |
| Cost of funding earning assets | 0.3862% | 3,377 |
| Net interest margin | 3.0863% | 4,994 |
| Noninterest income to average assets | 0.3051% | 4,757 |
| Noninterest expense to average assets | 2.5724% | 3,974 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.6448% | 4,157 |
| Return on assets (ROA) | 0.6448% | 4,270 |
| Pretax return on assets | 0.6448% | 4,846 |
| Return on Equity (ROE) | 7.0025% | 3,613 |
| Retained earnings to average equity (ytd only) | 4.9251% | 2,960 |
| Net charge-offs to loans | -0.0310% | 5,368 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.9590% | 1,660 |
| Assets per employee ($millions) | 4.7558% | 2,614 |
| Cash dividends to net income (ytd only)* | 29.6670% | 2,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0389% | 861 |
| Loan loss allowance to noncurrent loans | 1,300.0000% | 454 |
| Noncurrent assets plus other real estate owned to assets | 0.0853% | 5,410 |
| Noncurrent loans to loans | 0.1568% | 5,016 |
| Net loans and leases to total assets | 53.3062% | 4,640 |
| Net loans and leases to deposits | 58.9578% | 4,923 |
| Net loans and leases to core deposits | 59.1707% | 5,121 |
| Total domestic deposits to total assets | 90.4141% | 415 |
| Equity capital to assets | 9.4300% | 4,843 |
| Core capital (leverage) ratio | 9.1466% | 4,815 |
| Tier 1 risk-based capital ratio | 15.9370% | 2,826 |
| Total risk-based capital ratio | 17.1947% | 2,765 |
| Memoranda: | ||
| Average total assets | $80,855,000 | 4,907 |
| Average earning assets | $76,292,250 | 4,858 |
| Average equity | $7,444,750 | 5,225 |
| Average total loans | $42,970,750 | 4,954 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4154% | 5,193 |
| Cost of funding earning assets | 0.3972% | 3,306 |
| Net interest margin | 3.0182% | 5,180 |
| Noninterest income to average assets | 0.3240% | 4,628 |
| Noninterest expense to average assets | 2.5526% | 4,063 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.6283% | 4,223 |
| Return on assets (ROA) | 0.6283% | 4,336 |
| Pretax return on assets | 0.6283% | 4,897 |
| Return on Equity (ROE) | 6.8788% | 3,683 |
| Retained earnings to average equity (ytd only) | 4.8477% | 2,960 |
| Net charge-offs to loans | -0.0281% | 5,308 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.2488% | 1,722 |
| Assets per employee ($millions) | 5.0603% | 2,194 |
| Cash dividends to net income (ytd only)* | 29.5276% | 2,828 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0166% | 961 |
| Loan loss allowance to noncurrent loans | 9,922.2222% | 63 |
| Noncurrent assets plus other real estate owned to assets | 0.0111% | 5,851 |
| Noncurrent loans to loans | 0.0203% | 5,680 |
| Net loans and leases to total assets | 53.5917% | 4,601 |
| Net loans and leases to deposits | 59.1144% | 4,923 |
| Net loans and leases to core deposits | 59.5509% | 5,100 |
| Total domestic deposits to total assets | 90.6576% | 397 |
| Equity capital to assets | 9.1670% | 5,060 |
| Core capital (leverage) ratio | 8.9960% | 4,976 |
| Tier 1 risk-based capital ratio | 15.4532% | 3,125 |
| Total risk-based capital ratio | 16.7106% | 3,066 |
| Memoranda: | ||
| Average total assets | $80,857,330 | 4,956 |
| Average earning assets | $76,535,330 | 4,906 |
| Average equity | $7,385,000 | 5,284 |
| Average total loans | $42,629,670 | 5,003 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4428% | 5,106 |
| Cost of funding earning assets | 0.4029% | 3,270 |
| Net interest margin | 3.0400% | 5,104 |
| Noninterest income to average assets | 0.3911% | 4,079 |
| Noninterest expense to average assets | 2.5246% | 4,187 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.7425% | 3,583 |
| Return on assets (ROA) | 0.7425% | 3,709 |
| Pretax return on assets | 0.7425% | 4,457 |
| Return on Equity (ROE) | 8.1450% | 2,887 |
| Retained earnings to average equity (ytd only) | 6.7875% | 2,103 |
| Net charge-offs to loans | -0.0191% | 5,027 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.2727% | 2,301 |
| Assets per employee ($millions) | 5.0402% | 2,301 |
| Cash dividends to net income (ytd only)* | 16.6667% | 2,614 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0893% | 939 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 51.6610% | 4,687 |
| Net loans and leases to deposits | 57.0535% | 4,981 |
| Net loans and leases to core deposits | 57.6743% | 5,142 |
| Total domestic deposits to total assets | 90.5485% | 514 |
| Equity capital to assets | 9.2965% | 4,975 |
| Core capital (leverage) ratio | 8.7878% | 5,221 |
| Tier 1 risk-based capital ratio | 15.6087% | 3,099 |
| Total risk-based capital ratio | 16.8666% | 3,035 |
| Memoranda: | ||
| Average total assets | $80,804,000 | 5,012 |
| Average earning assets | $76,448,500 | 4,958 |
| Average equity | $7,366,500 | 5,332 |
| Average total loans | $41,803,000 | 5,076 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4895% | 5,340 |
| Cost of funding earning assets | 0.4456% | 3,216 |
| Net interest margin | 3.0439% | 5,341 |
| Noninterest income to average assets | 0.2877% | 5,063 |
| Noninterest expense to average assets | 2.6032% | 4,205 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.5445% | 4,620 |
| Return on assets (ROA) | 0.5445% | 4,705 |
| Pretax return on assets | 0.5445% | 5,123 |
| Return on Equity (ROE) | 6.0265% | 4,133 |
| Retained earnings to average equity (ytd only) | 4.1503% | 3,242 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.7009% | 1,568 |
| Assets per employee ($millions) | 5.0603% | 2,245 |
| Cash dividends to net income (ytd only)* | 31.1321% | 3,341 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1605% | 872 |
| Loan loss allowance to noncurrent loans | 379.0598% | 1,340 |
| Noncurrent assets plus other real estate owned to assets | 0.2890% | 4,880 |
| Noncurrent loans to loans | 0.5700% | 3,958 |
| Net loans and leases to total assets | 49.6128% | 5,005 |
| Net loans and leases to deposits | 54.6183% | 5,285 |
| Net loans and leases to core deposits | 55.2068% | 5,431 |
| Total domestic deposits to total assets | 90.8355% | 418 |
| Equity capital to assets | 8.9372% | 5,354 |
| Core capital (leverage) ratio | 9.0900% | 4,839 |
| Tier 1 risk-based capital ratio | 15.5510% | 3,211 |
| Total risk-based capital ratio | 16.7909% | 3,144 |
| Memoranda: | ||
| Average total assets | $77,866,800 | 5,111 |
| Average earning assets | $73,161,800 | 5,064 |
| Average equity | $7,035,600 | 5,402 |
| Average total loans | $40,178,400 | 5,180 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4961% | 5,397 |
| Cost of funding earning assets | 0.4550% | 3,190 |
| Net interest margin | 3.0412% | 5,401 |
| Noninterest income to average assets | 0.2836% | 5,175 |
| Noninterest expense to average assets | 2.6184% | 4,137 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.5206% | 4,799 |
| Return on assets (ROA) | 0.5206% | 4,862 |
| Pretax return on assets | 0.5206% | 5,264 |
| Return on Equity (ROE) | 5.7450% | 4,369 |
| Retained earnings to average equity (ytd only) | 3.4355% | 4,179 |
| Net charge-offs to loans | -0.0200% | 5,613 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.4160% | 1,457 |
| Assets per employee ($millions) | 5.1529% | 2,076 |
| Cash dividends to net income (ytd only)* | 40.1998% | 2,339 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2027% | 946 |
| Loan loss allowance to noncurrent loans | 783.3333% | 683 |
| Noncurrent assets plus other real estate owned to assets | 0.1475% | 5,597 |
| Noncurrent loans to loans | 0.2812% | 5,067 |
| Net loans and leases to total assets | 51.2963% | 4,871 |
| Net loans and leases to deposits | 56.6180% | 5,197 |
| Net loans and leases to core deposits | 57.2565% | 5,380 |
| Total domestic deposits to total assets | 90.6008% | 490 |
| Equity capital to assets | 9.1650% | 5,192 |
| Core capital (leverage) ratio | 9.0020% | 5,068 |
| Tier 1 risk-based capital ratio | 16.2428% | 2,932 |
| Total risk-based capital ratio | 17.5028% | 2,883 |
| Memoranda: | ||
| Average total assets | $77,092,250 | 5,186 |
| Average earning assets | $72,383,000 | 5,134 |
| Average equity | $6,985,500 | 5,467 |
| Average total loans | $39,959,000 | 5,244 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5012% | 5,406 |
| Cost of funding earning assets | 0.4696% | 3,109 |
| Net interest margin | 3.0316% | 5,442 |
| Noninterest income to average assets | 0.2752% | 5,225 |
| Noninterest expense to average assets | 2.6355% | 4,112 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.4726% | 4,923 |
| Return on assets (ROA) | 0.4726% | 4,994 |
| Pretax return on assets | 0.4726% | 5,357 |
| Return on Equity (ROE) | 5.2354% | 4,562 |
| Retained earnings to average equity (ytd only) | 2.8766% | 4,374 |
| Net charge-offs to loans | -0.0302% | 5,689 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.7953% | 1,412 |
| Assets per employee ($millions) | 4.8350% | 2,424 |
| Cash dividends to net income (ytd only)* | 45.0549% | 2,155 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2560% | 945 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 50.0142% | 4,960 |
| Net loans and leases to deposits | 55.1916% | 5,266 |
| Net loans and leases to core deposits | 56.0203% | 5,412 |
| Total domestic deposits to total assets | 90.6192% | 536 |
| Equity capital to assets | 9.1236% | 5,180 |
| Core capital (leverage) ratio | 8.9689% | 5,066 |
| Tier 1 risk-based capital ratio | 15.8808% | 3,154 |
| Total risk-based capital ratio | 17.1202% | 3,095 |
| Memoranda: | ||
| Average total assets | $77,025,000 | 5,224 |
| Average earning assets | $71,976,000 | 5,180 |
| Average equity | $6,952,670 | 5,502 |
| Average total loans | $39,764,670 | 5,286 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5131% | 5,388 |
| Cost of funding earning assets | 0.4796% | 3,113 |
| Net interest margin | 3.0335% | 5,436 |
| Noninterest income to average assets | 0.3019% | 4,940 |
| Noninterest expense to average assets | 2.5710% | 4,376 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.5621% | 4,404 |
| Return on assets (ROA) | 0.5621% | 4,481 |
| Pretax return on assets | 0.5621% | 4,978 |
| Return on Equity (ROE) | 6.2609% | 3,875 |
| Retained earnings to average equity (ytd only) | 6.2609% | 2,400 |
| Net charge-offs to loans | -0.0502% | 5,808 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.0598% | 1,920 |
| Assets per employee ($millions) | 4.7573% | 2,582 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2000% | 1,158 |
| Loan loss allowance to noncurrent loans | 641.7266% | 764 |
| Noncurrent assets plus other real estate owned to assets | 0.1826% | 5,677 |
| Noncurrent loans to loans | 0.3428% | 5,085 |
| Net loans and leases to total assets | 52.0955% | 4,663 |
| Net loans and leases to deposits | 57.5390% | 4,984 |
| Net loans and leases to core deposits | 58.4163% | 5,173 |
| Total domestic deposits to total assets | 90.5394% | 775 |
| Equity capital to assets | 9.1952% | 4,877 |
| Core capital (leverage) ratio | 8.9526% | 5,084 |
| Tier 1 risk-based capital ratio | 15.6911% | 3,340 |
| Total risk-based capital ratio | 16.8782% | 3,332 |
| Memoranda: | ||
| Average total assets | $76,857,500 | 5,280 |
| Average earning assets | $71,732,500 | 5,234 |
| Average equity | $6,900,000 | 5,542 |
| Average total loans | $39,855,000 | 5,330 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6028% | 5,395 |
| Cost of funding earning assets | 0.5591% | 3,031 |
| Net interest margin | 3.0437% | 5,463 |
| Noninterest income to average assets | 0.3520% | 4,796 |
| Noninterest expense to average assets | 2.6807% | 4,162 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.5353% | 4,574 |
| Return on assets (ROA) | 0.5460% | 4,654 |
| Pretax return on assets | 0.5460% | 5,058 |
| Return on Equity (ROE) | 6.1721% | 3,990 |
| Retained earnings to average equity (ytd only) | 6.1721% | 1,872 |
| Net charge-offs to loans | -0.0922% | 6,461 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.3540% | 1,706 |
| Assets per employee ($millions) | 4.8499% | 2,374 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2648% | 1,092 |
| Loan loss allowance to noncurrent loans | 2,861.2903% | 221 |
| Noncurrent assets plus other real estate owned to assets | 0.0399% | 6,255 |
| Noncurrent loans to loans | 0.0792% | 5,979 |
| Net loans and leases to total assets | 49.3280% | 5,154 |
| Net loans and leases to deposits | 54.2727% | 5,447 |
| Net loans and leases to core deposits | 55.0778% | 5,608 |
| Total domestic deposits to total assets | 90.8891% | 619 |
| Equity capital to assets | 8.7643% | 5,297 |
| Core capital (leverage) ratio | 8.9328% | 5,105 |
| Tier 1 risk-based capital ratio | 15.9618% | 3,111 |
| Total risk-based capital ratio | 17.1722% | 3,090 |
| Memoranda: | ||
| Average total assets | $75,280,200 | 5,345 |
| Average earning assets | $70,833,800 | 5,290 |
| Average equity | $6,659,000 | 5,658 |
| Average total loans | $39,028,200 | 5,390 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5866% | 5,476 |
| Cost of funding earning assets | 0.5792% | 3,005 |
| Net interest margin | 3.0075% | 5,570 |
| Noninterest income to average assets | 0.3463% | 4,920 |
| Noninterest expense to average assets | 2.6844% | 4,077 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.4980% | 4,800 |
| Return on assets (ROA) | 0.5123% | 4,900 |
| Pretax return on assets | 0.5123% | 5,319 |
| Return on Equity (ROE) | 5.7773% | 4,297 |
| Retained earnings to average equity (ytd only) | 5.7773% | 2,551 |
| Net charge-offs to loans | -0.0513% | 6,320 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.3522% | 1,557 |
| Assets per employee ($millions) | 4.7017% | 2,569 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0769% | 1,553 |
| Loan loss allowance to noncurrent loans | 2,474.2857% | 234 |
| Noncurrent assets plus other real estate owned to assets | 0.0465% | 6,327 |
| Noncurrent loans to loans | 0.0839% | 6,081 |
| Net loans and leases to total assets | 54.2771% | 4,567 |
| Net loans and leases to deposits | 59.8774% | 4,986 |
| Net loans and leases to core deposits | 61.0694% | 5,210 |
| Total domestic deposits to total assets | 90.6470% | 686 |
| Equity capital to assets | 8.7296% | 5,487 |
| Core capital (leverage) ratio | 9.0044% | 5,125 |
| Tier 1 risk-based capital ratio | 15.1491% | 3,659 |
| Total risk-based capital ratio | 16.2577% | 3,698 |
| Memoranda: | ||
| Average total assets | $74,700,500 | 5,412 |
| Average earning assets | $70,445,250 | 5,355 |
| Average equity | $6,623,500 | 5,737 |
| Average total loans | $38,994,000 | 5,443 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5604% | 5,559 |
| Cost of funding earning assets | 0.5915% | 3,020 |
| Net interest margin | 2.9689% | 5,649 |
| Noninterest income to average assets | 0.3999% | 4,529 |
| Noninterest expense to average assets | 2.6890% | 4,069 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.5126% | 4,754 |
| Return on assets (ROA) | 0.5340% | 4,813 |
| Pretax return on assets | 0.5340% | 5,256 |
| Return on Equity (ROE) | 5.9919% | 4,183 |
| Retained earnings to average equity (ytd only) | 5.9919% | 2,448 |
| Net charge-offs to loans | -0.0525% | 6,286 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.9899% | 1,638 |
| Assets per employee ($millions) | 4.5634% | 2,712 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2216% | 1,379 |
| Loan loss allowance to noncurrent loans | 2,100.0000% | 266 |
| Noncurrent assets plus other real estate owned to assets | 0.0562% | 6,336 |
| Noncurrent loans to loans | 0.1058% | 6,078 |
| Net loans and leases to total assets | 51.8989% | 4,876 |
| Net loans and leases to deposits | 57.5468% | 5,199 |
| Net loans and leases to core deposits | 58.7294% | 5,366 |
| Total domestic deposits to total assets | 90.1856% | 927 |
| Equity capital to assets | 8.9749% | 5,246 |
| Core capital (leverage) ratio | 9.0310% | 4,938 |
| Tier 1 risk-based capital ratio | 16.4685% | 2,951 |
| Total risk-based capital ratio | 17.6776% | 2,928 |
| Memoranda: | ||
| Average total assets | $74,525,000 | 5,454 |
| Average earning assets | $70,329,670 | 5,383 |
| Average equity | $6,642,330 | 5,773 |
| Average total loans | $38,093,000 | 5,503 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5745% | 5,517 |
| Cost of funding earning assets | 0.6052% | 3,063 |
| Net interest margin | 2.9693% | 5,657 |
| Noninterest income to average assets | 0.3666% | 4,741 |
| Noninterest expense to average assets | 2.6142% | 4,358 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.5420% | 4,492 |
| Return on assets (ROA) | 0.5845% | 4,440 |
| Pretax return on assets | 0.5845% | 5,006 |
| Return on Equity (ROE) | 6.5799% | 3,723 |
| Retained earnings to average equity (ytd only) | 6.5799% | 2,379 |
| Net charge-offs to loans | -0.0847% | 6,370 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.8283% | 1,914 |
| Assets per employee ($millions) | 4.3135% | 3,312 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3057% | 1,402 |
| Loan loss allowance to noncurrent loans | 904.2105% | 518 |
| Noncurrent assets plus other real estate owned to assets | 0.1296% | 6,183 |
| Noncurrent loans to loans | 0.2550% | 5,774 |
| Net loans and leases to total assets | 49.6332% | 5,038 |
| Net loans and leases to deposits | 55.2375% | 5,326 |
| Net loans and leases to core deposits | 56.3685% | 5,491 |
| Total domestic deposits to total assets | 89.8541% | 1,136 |
| Equity capital to assets | 9.1681% | 5,294 |
| Core capital (leverage) ratio | 8.6397% | 5,404 |
| Tier 1 risk-based capital ratio | 16.2038% | 3,158 |
| Total risk-based capital ratio | 17.4447% | 3,107 |
| Memoranda: | ||
| Average total assets | $75,280,000 | 5,478 |
| Average earning assets | $70,723,000 | 5,421 |
| Average equity | $6,687,000 | 5,819 |
| Average total loans | $37,762,000 | 5,554 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9860% | 5,357 |
| Cost of funding earning assets | 0.6892% | 3,578 |
| Net interest margin | 3.2968% | 5,258 |
| Noninterest income to average assets | 0.8189% | 2,180 |
| Noninterest expense to average assets | 2.8538% | 3,834 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.0660% | 2,063 |
| Return on assets (ROA) | 1.0660% | 2,251 |
| Pretax return on assets | 1.0660% | 3,284 |
| Return on Equity (ROE) | 11.8493% | 1,550 |
| Retained earnings to average equity (ytd only) | 6.8967% | 1,615 |
| Net charge-offs to loans | -0.0513% | 6,713 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8045% | 3,274 |
| Assets per employee ($millions) | 4.8269% | 2,455 |
| Cash dividends to net income (ytd only)* | 41.7969% | 2,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2237% | 1,518 |
| Loan loss allowance to noncurrent loans | 542.0382% | 768 |
| Noncurrent assets plus other real estate owned to assets | 0.2033% | 6,052 |
| Noncurrent loans to loans | 0.4103% | 5,458 |
| Net loans and leases to total assets | 48.4501% | 5,363 |
| Net loans and leases to deposits | 53.7839% | 5,671 |
| Net loans and leases to core deposits | 55.1059% | 5,784 |
| Total domestic deposits to total assets | 90.0829% | 909 |
| Equity capital to assets | 8.6119% | 5,955 |
| Core capital (leverage) ratio | 8.7726% | 5,225 |
| Tier 1 risk-based capital ratio | 15.6490% | 3,351 |
| Total risk-based capital ratio | 16.8854% | 3,316 |
| Memoranda: | ||
| Average total assets | $72,044,000 | 5,577 |
| Average earning assets | $67,762,400 | 5,499 |
| Average equity | $6,481,400 | 5,897 |
| Average total loans | $38,983,800 | 5,552 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0966% | 5,199 |
| Cost of funding earning assets | 0.7100% | 3,679 |
| Net interest margin | 3.3866% | 5,078 |
| Noninterest income to average assets | 0.7821% | 2,323 |
| Noninterest expense to average assets | 2.8589% | 3,752 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.1232% | 2,013 |
| Return on assets (ROA) | 1.1232% | 2,210 |
| Pretax return on assets | 1.1232% | 3,262 |
| Return on Equity (ROE) | 12.3412% | 1,519 |
| Retained earnings to average equity (ytd only) | 9.8357% | 957 |
| Net charge-offs to loans | -0.0443% | 6,674 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7937% | 3,365 |
| Assets per employee ($millions) | 4.4709% | 2,962 |
| Cash dividends to net income (ytd only)* | 20.3020% | 3,026 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2269% | 1,656 |
| Loan loss allowance to noncurrent loans | 14,066.6667% | 40 |
| Noncurrent assets plus other real estate owned to assets | 0.3718% | 5,773 |
| Noncurrent loans to loans | 0.0158% | 6,611 |
| Net loans and leases to total assets | 51.8012% | 5,078 |
| Net loans and leases to deposits | 58.0706% | 5,425 |
| Net loans and leases to core deposits | 59.3827% | 5,619 |
| Total domestic deposits to total assets | 89.2039% | 1,309 |
| Equity capital to assets | 9.4080% | 5,320 |
| Core capital (leverage) ratio | 9.1379% | 4,852 |
| Tier 1 risk-based capital ratio | 16.1777% | 3,175 |
| Total risk-based capital ratio | 17.4170% | 3,156 |
| Memoranda: | ||
| Average total assets | $70,747,500 | 5,674 |
| Average earning assets | $66,849,750 | 5,587 |
| Average equity | $6,439,000 | 5,977 |
| Average total loans | $39,162,500 | 5,611 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1033% | 5,308 |
| Cost of funding earning assets | 0.7222% | 3,830 |
| Net interest margin | 3.3811% | 5,158 |
| Noninterest income to average assets | 0.5675% | 3,470 |
| Noninterest expense to average assets | 2.8914% | 3,657 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.8910% | 2,954 |
| Return on assets (ROA) | 0.8910% | 3,213 |
| Pretax return on assets | 0.8910% | 4,111 |
| Return on Equity (ROE) | 9.9022% | 2,397 |
| Retained earnings to average equity (ytd only) | 7.4424% | 1,905 |
| Net charge-offs to loans | -0.0404% | 6,609 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4441% | 2,681 |
| Assets per employee ($millions) | 4.3185% | 3,227 |
| Cash dividends to net income (ytd only)* | 24.8408% | 2,820 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1210% | 1,947 |
| Loan loss allowance to noncurrent loans | 338.3065% | 1,058 |
| Noncurrent assets plus other real estate owned to assets | 0.3589% | 5,884 |
| Noncurrent loans to loans | 0.6269% | 5,258 |
| Net loans and leases to total assets | 56.0351% | 4,463 |
| Net loans and leases to deposits | 63.1543% | 4,860 |
| Net loans and leases to core deposits | 64.7458% | 5,129 |
| Total domestic deposits to total assets | 88.7273% | 1,687 |
| Equity capital to assets | 9.3305% | 5,277 |
| Core capital (leverage) ratio | 8.9706% | 4,953 |
| Tier 1 risk-based capital ratio | 14.9423% | 3,801 |
| Total risk-based capital ratio | 16.1719% | 3,767 |
| Memoranda: | ||
| Average total assets | $70,485,000 | 5,722 |
| Average earning assets | $67,019,330 | 5,617 |
| Average equity | $6,342,000 | 6,028 |
| Average total loans | $39,583,330 | 5,624 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0942% | 5,478 |
| Cost of funding earning assets | 0.7336% | 3,999 |
| Net interest margin | 3.3606% | 5,261 |
| Noninterest income to average assets | 0.5676% | 3,446 |
| Noninterest expense to average assets | 2.8042% | 4,011 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.9553% | 2,658 |
| Return on assets (ROA) | 0.9553% | 2,869 |
| Pretax return on assets | 0.9553% | 3,847 |
| Return on Equity (ROE) | 10.8117% | 2,102 |
| Retained earnings to average equity (ytd only) | 10.8117% | 1,084 |
| Net charge-offs to loans | -0.0505% | 6,535 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5889% | 3,008 |
| Assets per employee ($millions) | 4.3163% | 3,364 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1479% | 1,993 |
| Loan loss allowance to noncurrent loans | 337.0968% | 983 |
| Noncurrent assets plus other real estate owned to assets | 0.3591% | 5,984 |
| Noncurrent loans to loans | 0.6372% | 5,368 |
| Net loans and leases to total assets | 55.1477% | 4,527 |
| Net loans and leases to deposits | 61.8092% | 4,948 |
| Net loans and leases to core deposits | 63.3557% | 5,189 |
| Total domestic deposits to total assets | 89.2224% | 1,536 |
| Equity capital to assets | 9.2210% | 5,205 |
| Core capital (leverage) ratio | 8.5236% | 5,558 |
| Tier 1 risk-based capital ratio | 15.0305% | 3,743 |
| Total risk-based capital ratio | 16.2585% | 3,716 |
| Memoranda: | ||
| Average total assets | $71,179,500 | 5,738 |
| Average earning assets | $67,607,500 | 5,637 |
| Average equity | $6,289,500 | 6,074 |
| Average total loans | $39,596,500 | 5,660 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3739% | 5,521 |
| Cost of funding earning assets | 0.8754% | 4,290 |
| Net interest margin | 3.4985% | 5,150 |
| Noninterest income to average assets | 0.5707% | 3,359 |
| Noninterest expense to average assets | 3.0471% | 3,408 |
| Loan and lease loss provision to assets | 0.2347% | 3,855 |
| Net operating income to assets | 0.6250% | 3,858 |
| Return on assets (ROA) | 0.6250% | 4,060 |
| Pretax return on assets | 0.6250% | 4,609 |
| Return on Equity (ROE) | 7.0778% | 3,367 |
| Retained earnings to average equity (ytd only) | 4.0207% | 3,329 |
| Net charge-offs to loans | 0.2085% | 4,493 |
| Credit loss provision to net charge-offs | 192.7711% | 1,324 |
| Earnings coverage of net charge-offs (x) | 7.0602% | 2,402 |
| Efficiency ratio | 77.9947% | 2,587 |
| Assets per employee ($millions) | 4.5812% | 2,781 |
| Cash dividends to net income (ytd only)* | 43.1925% | 2,409 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0635% | 2,095 |
| Loan loss allowance to noncurrent loans | 335.0806% | 994 |
| Noncurrent assets plus other real estate owned to assets | 0.3383% | 6,128 |
| Noncurrent loans to loans | 0.6158% | 5,482 |
| Net loans and leases to total assets | 53.8084% | 5,065 |
| Net loans and leases to deposits | 60.1629% | 5,464 |
| Net loans and leases to core deposits | 61.5736% | 5,694 |
| Total domestic deposits to total assets | 89.4378% | 1,300 |
| Equity capital to assets | 8.4735% | 6,174 |
| Core capital (leverage) ratio | 8.4366% | 5,660 |
| Tier 1 risk-based capital ratio | 13.9516% | 4,357 |
| Total risk-based capital ratio | 15.1810% | 4,335 |
| Memoranda: | ||
| Average total assets | $68,163,000 | 5,806 |
| Average earning assets | $64,998,800 | 5,702 |
| Average equity | $6,018,800 | 6,152 |
| Average total loans | $39,807,600 | 5,702 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4396% | 5,462 |
| Cost of funding earning assets | 0.9154% | 4,299 |
| Net interest margin | 3.5241% | 5,084 |
| Noninterest income to average assets | 0.4944% | 3,914 |
| Noninterest expense to average assets | 3.0462% | 3,370 |
| Loan and lease loss provision to assets | 0.2592% | 3,427 |
| Net operating income to assets | 0.5582% | 4,279 |
| Return on assets (ROA) | 0.5582% | 4,454 |
| Pretax return on assets | 0.5582% | 4,942 |
| Return on Equity (ROE) | 6.2525% | 3,903 |
| Retained earnings to average equity (ytd only) | 3.2602% | 4,398 |
| Net charge-offs to loans | -0.0370% | 6,999 |
| Credit loss provision to net charge-offs | -1,181.8182% | 6,775 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.8442% | 2,423 |
| Assets per employee ($millions) | 4.3036% | 3,269 |
| Cash dividends to net income (ytd only)* | 47.8571% | 1,684 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2515% | 1,772 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 56.4300% | 4,774 |
| Net loans and leases to deposits | 64.2216% | 5,138 |
| Net loans and leases to core deposits | 65.8509% | 5,431 |
| Total domestic deposits to total assets | 87.8676% | 2,117 |
| Equity capital to assets | 8.8502% | 5,918 |
| Core capital (leverage) ratio | 8.6052% | 5,543 |
| Tier 1 risk-based capital ratio | 13.4381% | 4,782 |
| Total risk-based capital ratio | 14.6690% | 4,766 |
| Memoranda: | ||
| Average total assets | $66,879,000 | 5,879 |
| Average earning assets | $63,938,750 | 5,776 |
| Average equity | $5,970,750 | 6,210 |
| Average total loans | $39,691,500 | 5,758 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4466% | 5,535 |
| Cost of funding earning assets | 0.9519% | 4,305 |
| Net interest margin | 3.4947% | 5,185 |
| Noninterest income to average assets | 0.4802% | 4,028 |
| Noninterest expense to average assets | 3.0595% | 3,392 |
| Loan and lease loss provision to assets | 0.2567% | 3,346 |
| Net operating income to assets | 0.5014% | 4,494 |
| Return on assets (ROA) | 0.5014% | 4,635 |
| Pretax return on assets | 0.5014% | 5,071 |
| Return on Equity (ROE) | 5.5990% | 4,155 |
| Retained earnings to average equity (ytd only) | 3.2380% | 4,204 |
| Net charge-offs to loans | -0.0101% | 6,687 |
| Credit loss provision to net charge-offs | -4,250.0000% | 6,756 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.1424% | 2,370 |
| Assets per employee ($millions) | 4.4781% | 2,882 |
| Cash dividends to net income (ytd only)* | 42.1687% | 1,980 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1329% | 2,048 |
| Loan loss allowance to noncurrent loans | 273.9414% | 1,145 |
| Noncurrent assets plus other real estate owned to assets | 0.4570% | 6,011 |
| Noncurrent loans to loans | 0.7786% | 5,355 |
| Net loans and leases to total assets | 57.4474% | 4,734 |
| Net loans and leases to deposits | 65.8757% | 5,018 |
| Net loans and leases to core deposits | 67.5087% | 5,334 |
| Total domestic deposits to total assets | 87.2058% | 2,620 |
| Equity capital to assets | 8.9667% | 5,628 |
| Core capital (leverage) ratio | 8.7392% | 5,161 |
| Tier 1 risk-based capital ratio | 14.1341% | 4,069 |
| Total risk-based capital ratio | 15.3639% | 4,054 |
| Memoranda: | ||
| Average total assets | $66,219,670 | 5,951 |
| Average earning assets | $63,239,000 | 5,850 |
| Average equity | $5,929,670 | 6,250 |
| Average total loans | $39,671,670 | 5,813 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3899% | 5,729 |
| Cost of funding earning assets | 1.0273% | 4,010 |
| Net interest margin | 3.3626% | 5,573 |
| Noninterest income to average assets | 0.6267% | 2,994 |
| Noninterest expense to average assets | 3.0847% | 3,318 |
| Loan and lease loss provision to assets | 0.2434% | 3,233 |
| Net operating income to assets | 0.5050% | 4,471 |
| Return on assets (ROA) | 0.5050% | 4,553 |
| Pretax return on assets | 0.5050% | 5,013 |
| Return on Equity (ROE) | 5.6434% | 4,092 |
| Retained earnings to average equity (ytd only) | 0.8839% | 5,475 |
| Net charge-offs to loans | -0.0402% | 6,818 |
| Credit loss provision to net charge-offs | -1,000.0000% | 6,104 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.4762% | 2,443 |
| Assets per employee ($millions) | 4.3466% | 3,140 |
| Cash dividends to net income (ytd only)* | 84.3373% | 767 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0602% | 2,269 |
| Loan loss allowance to noncurrent loans | 136.4103% | 2,172 |
| Noncurrent assets plus other real estate owned to assets | 0.8973% | 5,112 |
| Noncurrent loans to loans | 1.5103% | 4,209 |
| Net loans and leases to total assets | 58.1849% | 4,614 |
| Net loans and leases to deposits | 66.4099% | 4,911 |
| Net loans and leases to core deposits | 68.0943% | 5,275 |
| Total domestic deposits to total assets | 87.6148% | 2,599 |
| Equity capital to assets | 9.0339% | 5,147 |
| Core capital (leverage) ratio | 8.5276% | 5,394 |
| Tier 1 risk-based capital ratio | 14.1053% | 4,002 |
| Total risk-based capital ratio | 15.3336% | 3,994 |
| Memoranda: | ||
| Average total assets | $65,744,000 | 6,001 |
| Average earning assets | $62,689,500 | 5,905 |
| Average equity | $5,883,000 | 6,286 |
| Average total loans | $39,793,000 | 5,859 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0169% | 4,471 |
| Cost of funding earning assets | 1.2070% | 4,520 |
| Net interest margin | 3.8099% | 3,905 |
| Noninterest income to average assets | 0.9515% | 1,669 |
| Noninterest expense to average assets | 3.2555% | 2,892 |
| Loan and lease loss provision to assets | 0.1332% | 5,844 |
| Net operating income to assets | 1.1889% | 1,441 |
| Return on assets (ROA) | 1.1889% | 1,520 |
| Pretax return on assets | 1.1889% | 2,262 |
| Return on Equity (ROE) | 12.8450% | 1,128 |
| Retained earnings to average equity (ytd only) | 0.7974% | 5,152 |
| Net charge-offs to loans | 0.1708% | 5,302 |
| Credit loss provision to net charge-offs | 118.5714% | 3,583 |
| Earnings coverage of net charge-offs (x) | 11.7714% | 1,575 |
| Efficiency ratio | 71.1181% | 3,971 |
| Assets per employee ($millions) | 4.4193% | 2,988 |
| Cash dividends to net income (ytd only)* | 93.7922% | 496 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8457% | 2,699 |
| Loan loss allowance to noncurrent loans | 248.0263% | 1,244 |
| Noncurrent assets plus other real estate owned to assets | 0.4586% | 6,131 |
| Noncurrent loans to loans | 0.7441% | 5,556 |
| Net loans and leases to total assets | 60.4897% | 4,587 |
| Net loans and leases to deposits | 68.6857% | 5,008 |
| Net loans and leases to core deposits | 70.3869% | 5,416 |
| Total domestic deposits to total assets | 88.0674% | 2,209 |
| Equity capital to assets | 8.8642% | 5,335 |
| Core capital (leverage) ratio | 8.8382% | 4,794 |
| Tier 1 risk-based capital ratio | 13.6281% | 4,111 |
| Total risk-based capital ratio | 14.8557% | 4,096 |
| Memoranda: | ||
| Average total assets | $62,324,400 | 6,113 |
| Average earning assets | $59,319,200 | 6,017 |
| Average equity | $5,768,800 | 6,440 |
| Average total loans | $40,978,600 | 5,886 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0883% | 4,381 |
| Cost of funding earning assets | 1.2310% | 4,682 |
| Net interest margin | 3.8573% | 3,724 |
| Noninterest income to average assets | 0.8108% | 2,181 |
| Noninterest expense to average assets | 3.2260% | 2,833 |
| Loan and lease loss provision to assets | 0.0978% | 6,037 |
| Net operating income to assets | 1.1652% | 1,691 |
| Return on assets (ROA) | 1.1652% | 1,787 |
| Pretax return on assets | 1.1652% | 2,617 |
| Return on Equity (ROE) | 12.4460% | 1,398 |
| Retained earnings to average equity (ytd only) | -3.6919% | 6,423 |
| Net charge-offs to loans | -0.1951% | 7,616 |
| Credit loss provision to net charge-offs | -75.0000% | 6,894 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8644% | 3,727 |
| Assets per employee ($millions) | 4.1815% | 3,478 |
| Cash dividends to net income (ytd only)* | 129.6635% | 180 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1262% | 1,935 |
| Loan loss allowance to noncurrent loans | 166.8639% | 1,710 |
| Noncurrent assets plus other real estate owned to assets | 0.8083% | 5,479 |
| Noncurrent loans to loans | 1.2742% | 4,725 |
| Net loans and leases to total assets | 62.0873% | 4,516 |
| Net loans and leases to deposits | 70.8970% | 5,016 |
| Net loans and leases to core deposits | 72.9885% | 5,411 |
| Total domestic deposits to total assets | 87.5739% | 2,221 |
| Equity capital to assets | 9.1864% | 5,327 |
| Core capital (leverage) ratio | 8.8307% | 4,954 |
| Tier 1 risk-based capital ratio | 13.5825% | 4,132 |
| Total risk-based capital ratio | 14.8112% | 4,102 |
| Memoranda: | ||
| Average total assets | $61,333,250 | 6,216 |
| Average earning assets | $58,485,500 | 6,110 |
| Average equity | $5,742,000 | 6,530 |
| Average total loans | $41,010,250 | 5,963 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1430% | 4,228 |
| Cost of funding earning assets | 1.2521% | 4,812 |
| Net interest margin | 3.8909% | 3,487 |
| Noninterest income to average assets | 0.5520% | 3,693 |
| Noninterest expense to average assets | 3.2200% | 2,834 |
| Loan and lease loss provision to assets | 0.1249% | 5,640 |
| Net operating income to assets | 0.9134% | 2,505 |
| Return on assets (ROA) | 0.9134% | 2,609 |
| Pretax return on assets | 0.9134% | 3,441 |
| Return on Equity (ROE) | 9.6943% | 2,213 |
| Retained earnings to average equity (ytd only) | 5.4748% | 2,628 |
| Net charge-offs to loans | -0.2801% | 7,681 |
| Credit loss provision to net charge-offs | -65.5172% | 6,650 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.6173% | 3,140 |
| Assets per employee ($millions) | 3.5616% | 4,778 |
| Cash dividends to net income (ytd only)* | 43.5252% | 1,926 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0339% | 2,108 |
| Loan loss allowance to noncurrent loans | 198.3412% | 1,428 |
| Noncurrent assets plus other real estate owned to assets | 0.6970% | 5,751 |
| Noncurrent loans to loans | 1.0255% | 5,258 |
| Net loans and leases to total assets | 66.5846% | 3,714 |
| Net loans and leases to deposits | 77.0002% | 4,159 |
| Net loans and leases to core deposits | 79.3712% | 4,765 |
| Total domestic deposits to total assets | 86.4733% | 2,836 |
| Equity capital to assets | 9.5975% | 4,556 |
| Core capital (leverage) ratio | 9.2444% | 4,222 |
| Tier 1 risk-based capital ratio | 13.2688% | 4,231 |
| Total risk-based capital ratio | 14.4970% | 4,211 |
| Memoranda: | ||
| Average total assets | $60,870,000 | 6,270 |
| Average earning assets | $57,981,330 | 6,169 |
| Average equity | $5,735,330 | 6,550 |
| Average total loans | $41,417,330 | 5,986 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2725% | 3,677 |
| Cost of funding earning assets | 1.2734% | 4,974 |
| Net interest margin | 3.9991% | 2,876 |
| Noninterest income to average assets | 0.5636% | 3,532 |
| Noninterest expense to average assets | 3.1721% | 2,968 |
| Loan and lease loss provision to assets | 0.1966% | 4,532 |
| Net operating income to assets | 1.0028% | 2,169 |
| Return on assets (ROA) | 1.0028% | 2,237 |
| Pretax return on assets | 1.0028% | 3,087 |
| Return on Equity (ROE) | 10.7416% | 1,856 |
| Retained earnings to average equity (ytd only) | 6.7398% | 2,244 |
| Net charge-offs to loans | -0.3851% | 7,779 |
| Credit loss provision to net charge-offs | -75.0000% | 6,035 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5637% | 3,829 |
| Assets per employee ($millions) | 3.4904% | 5,052 |
| Cash dividends to net income (ytd only)* | 37.2549% | 1,838 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0221% | 2,129 |
| Loan loss allowance to noncurrent loans | 253.4375% | 1,162 |
| Noncurrent assets plus other real estate owned to assets | 0.5393% | 6,156 |
| Noncurrent loans to loans | 0.7979% | 5,721 |
| Net loans and leases to total assets | 66.2234% | 3,802 |
| Net loans and leases to deposits | 75.9559% | 4,422 |
| Net loans and leases to core deposits | 78.3175% | 4,986 |
| Total domestic deposits to total assets | 87.1867% | 2,533 |
| Equity capital to assets | 9.6584% | 4,292 |
| Core capital (leverage) ratio | 8.9051% | 4,722 |
| Tier 1 risk-based capital ratio | 13.2765% | 4,146 |
| Total risk-based capital ratio | 14.4874% | 4,127 |
| Memoranda: | ||
| Average total assets | $61,031,500 | 6,348 |
| Average earning assets | $58,113,000 | 6,239 |
| Average equity | $5,697,500 | 6,622 |
| Average total loans | $41,550,000 | 6,048 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5025% | 4,129 |
| Cost of funding earning assets | 1.3916% | 5,966 |
| Net interest margin | 4.1109% | 2,405 |
| Noninterest income to average assets | 0.7016% | 2,965 |
| Noninterest expense to average assets | 3.2430% | 3,217 |
| Loan and lease loss provision to assets | 0.4317% | 4,240 |
| Net operating income to assets | 0.9158% | 2,125 |
| Return on assets (ROA) | 0.9158% | 2,190 |
| Pretax return on assets | 0.9158% | 2,876 |
| Return on Equity (ROE) | 10.0337% | 1,678 |
| Retained earnings to average equity (ytd only) | 5.2139% | 1,711 |
| Net charge-offs to loans | 0.4992% | 3,777 |
| Credit loss provision to net charge-offs | 117.8571% | 4,592 |
| Earnings coverage of net charge-offs (x) | 3.6786% | 3,247 |
| Efficiency ratio | 70.6448% | 4,502 |
| Assets per employee ($millions) | 3.6898% | 4,540 |
| Cash dividends to net income (ytd only)* | 48.0357% | 2,568 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7235% | 2,818 |
| Loan loss allowance to noncurrent loans | 211.7143% | 1,413 |
| Noncurrent assets plus other real estate owned to assets | 0.5580% | 6,057 |
| Noncurrent loans to loans | 0.8141% | 5,660 |
| Net loans and leases to total assets | 67.3612% | 3,844 |
| Net loans and leases to deposits | 76.3006% | 4,683 |
| Net loans and leases to core deposits | 82.4980% | 5,874 |
| Total domestic deposits to total assets | 88.2840% | 1,833 |
| Equity capital to assets | 9.0297% | 5,097 |
| Core capital (leverage) ratio | 9.0625% | 4,320 |
| Tier 1 risk-based capital ratio | 12.1113% | 4,841 |
| Total risk-based capital ratio | 13.3386% | 4,828 |
| Memoranda: | ||
| Average total assets | $61,148,000 | 6,307 |
| Average earning assets | $57,846,800 | 6,225 |
| Average equity | $5,581,200 | 6,752 |
| Average total loans | $44,871,200 | 5,879 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6157% | 3,770 |
| Cost of funding earning assets | 1.4277% | 6,130 |
| Net interest margin | 4.1880% | 2,103 |
| Noninterest income to average assets | 0.7988% | 2,436 |
| Noninterest expense to average assets | 3.2831% | 2,983 |
| Loan and lease loss provision to assets | 0.0746% | 6,610 |
| Net operating income to assets | 1.4002% | 1,030 |
| Return on assets (ROA) | 1.4002% | 1,093 |
| Pretax return on assets | 1.4002% | 1,694 |
| Return on Equity (ROE) | 15.2981% | 736 |
| Retained earnings to average equity (ytd only) | 10.4064% | 561 |
| Net charge-offs to loans | -0.0559% | 7,866 |
| Credit loss provision to net charge-offs | -178.9474% | 7,220 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0037% | 4,781 |
| Assets per employee ($millions) | 3.4664% | 5,011 |
| Cash dividends to net income (ytd only)* | 31.9744% | 2,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7559% | 2,422 |
| Loan loss allowance to noncurrent loans | 227.1084% | 1,310 |
| Noncurrent assets plus other real estate owned to assets | 0.5634% | 6,052 |
| Noncurrent loans to loans | 0.7732% | 5,752 |
| Net loans and leases to total assets | 71.5895% | 3,131 |
| Net loans and leases to deposits | 82.1382% | 3,995 |
| Net loans and leases to core deposits | 90.1124% | 5,422 |
| Total domestic deposits to total assets | 87.1574% | 2,100 |
| Equity capital to assets | 9.8407% | 4,299 |
| Core capital (leverage) ratio | 9.4251% | 4,013 |
| Tier 1 risk-based capital ratio | 12.7838% | 4,330 |
| Total risk-based capital ratio | 14.0112% | 4,290 |
| Memoranda: | ||
| Average total assets | $60,753,500 | 6,361 |
| Average earning assets | $57,432,750 | 6,285 |
| Average equity | $5,560,500 | 6,825 |
| Average total loans | $45,340,500 | 5,911 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6245% | 3,941 |
| Cost of funding earning assets | 1.4424% | 6,343 |
| Net interest margin | 4.1820% | 2,057 |
| Noninterest income to average assets | 0.9191% | 1,900 |
| Noninterest expense to average assets | 3.2007% | 3,339 |
| Loan and lease loss provision to assets | 0.0391% | 6,845 |
| Net operating income to assets | 1.6199% | 655 |
| Return on assets (ROA) | 1.6199% | 722 |
| Pretax return on assets | 1.6199% | 1,172 |
| Return on Equity (ROE) | 18.1354% | 484 |
| Retained earnings to average equity (ytd only) | 13.2458% | 304 |
| Net charge-offs to loans | -0.0824% | 7,923 |
| Credit loss provision to net charge-offs | -63.1579% | 6,926 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8618% | 5,569 |
| Assets per employee ($millions) | 3.4516% | 4,942 |
| Cash dividends to net income (ytd only)* | 26.9618% | 2,959 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6028% | 2,730 |
| Loan loss allowance to noncurrent loans | 191.1227% | 1,581 |
| Noncurrent assets plus other real estate owned to assets | 0.6527% | 5,779 |
| Noncurrent loans to loans | 0.8386% | 5,543 |
| Net loans and leases to total assets | 76.5854% | 2,040 |
| Net loans and leases to deposits | 87.7267% | 3,213 |
| Net loans and leases to core deposits | 95.9332% | 4,911 |
| Total domestic deposits to total assets | 87.3000% | 2,098 |
| Equity capital to assets | 9.6665% | 4,401 |
| Core capital (leverage) ratio | 9.0927% | 4,480 |
| Tier 1 risk-based capital ratio | 12.0357% | 4,888 |
| Total risk-based capital ratio | 13.2613% | 4,830 |
| Memoranda: | ||
| Average total assets | $61,361,670 | 6,398 |
| Average earning assets | $57,818,670 | 6,321 |
| Average equity | $5,481,000 | 6,906 |
| Average total loans | $46,140,330 | 5,926 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6498% | 4,050 |
| Cost of funding earning assets | 1.4499% | 6,574 |
| Net interest margin | 4.1999% | 1,901 |
| Noninterest income to average assets | 0.6826% | 2,987 |
| Noninterest expense to average assets | 2.9982% | 3,778 |
| Loan and lease loss provision to assets | 0.0383% | 6,480 |
| Net operating income to assets | 1.5820% | 809 |
| Return on assets (ROA) | 1.5820% | 889 |
| Pretax return on assets | 1.5820% | 1,451 |
| Return on Equity (ROE) | 18.4198% | 558 |
| Retained earnings to average equity (ytd only) | 13.4435% | 575 |
| Net charge-offs to loans | -0.0086% | 7,258 |
| Credit loss provision to net charge-offs | -600.0000% | 6,426 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9171% | 5,520 |
| Assets per employee ($millions) | 3.5411% | 4,725 |
| Cash dividends to net income (ytd only)* | 27.0161% | 2,401 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5329% | 2,805 |
| Loan loss allowance to noncurrent loans | 553.1250% | 641 |
| Noncurrent assets plus other real estate owned to assets | 0.2126% | 6,884 |
| Noncurrent loans to loans | 0.2771% | 6,746 |
| Net loans and leases to total assets | 75.5494% | 2,378 |
| Net loans and leases to deposits | 86.6831% | 3,526 |
| Net loans and leases to core deposits | 93.0518% | 5,253 |
| Total domestic deposits to total assets | 87.1559% | 2,144 |
| Equity capital to assets | 9.1297% | 5,184 |
| Core capital (leverage) ratio | 8.3578% | 5,793 |
| Tier 1 risk-based capital ratio | 11.2387% | 5,657 |
| Total risk-based capital ratio | 12.4650% | 5,597 |
| Memoranda: | ||
| Average total assets | $62,704,000 | 6,370 |
| Average earning assets | $58,763,000 | 6,313 |
| Average equity | $5,385,500 | 6,977 |
| Average total loans | $46,375,500 | 5,942 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0988% | 5,049 |
| Cost of funding earning assets | 2.0364% | 6,293 |
| Net interest margin | 4.0623% | 2,859 |
| Noninterest income to average assets | 0.3815% | 5,629 |
| Noninterest expense to average assets | 3.0669% | 3,833 |
| Loan and lease loss provision to assets | 0.3275% | 3,769 |
| Net operating income to assets | 0.7958% | 3,451 |
| Return on assets (ROA) | 0.7958% | 3,293 |
| Pretax return on assets | 0.7958% | 4,090 |
| Return on Equity (ROE) | 9.3523% | 2,494 |
| Retained earnings to average equity (ytd only) | 5.1187% | 1,952 |
| Net charge-offs to loans | 0.1098% | 5,179 |
| Credit loss provision to net charge-offs | 408.1633% | 1,072 |
| Earnings coverage of net charge-offs (x) | 14.0000% | 2,083 |
| Efficiency ratio | 73.1927% | 3,711 |
| Assets per employee ($millions) | 4.0756% | 3,353 |
| Cash dividends to net income (ytd only)* | 45.2675% | 3,386 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5055% | 2,655 |
| Loan loss allowance to noncurrent loans | 214.3731% | 1,828 |
| Noncurrent assets plus other real estate owned to assets | 0.5015% | 5,692 |
| Noncurrent loans to loans | 0.7023% | 5,275 |
| Net loans and leases to total assets | 70.3308% | 3,944 |
| Net loans and leases to deposits | 79.3103% | 5,156 |
| Net loans and leases to core deposits | 84.1613% | 6,277 |
| Total domestic deposits to total assets | 88.6779% | 1,166 |
| Equity capital to assets | 8.0894% | 6,716 |
| Core capital (leverage) ratio | 8.3090% | 5,932 |
| Tier 1 risk-based capital ratio | 10.5374% | 6,172 |
| Total risk-based capital ratio | 11.7640% | 6,079 |
| Memoranda: | ||
| Average total assets | $61,071,600 | 6,351 |
| Average earning assets | $57,257,600 | 6,289 |
| Average equity | $5,196,600 | 7,085 |
| Average total loans | $44,627,800 | 5,944 |