Home > Gruver State Bank > Performance and Condition Ratios
Gruver State Bank, Performance and Condition Ratios
| 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 | 4.8078% | 2,037 |
| Cost of funding earning assets | 0.7837% | 2,720 |
| Net interest margin | 4.0242% | 1,845 |
| Noninterest income to average assets | 0.5800% | 2,243 |
| Noninterest expense to average assets | 2.3647% | 3,834 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.9416% | 432 |
| Return on assets (ROA) | 1.9416% | 456 |
| Pretax return on assets | 1.9416% | 766 |
| Return on Equity (ROE) | 17.1939% | 445 |
| Retained earnings to average equity (ytd only) | 6.2771% | 2,159 |
| Net charge-offs to loans | -0.0095% | 4,310 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.9122% | 4,371 |
| Assets per employee ($millions) | 5.5424% | 1,923 |
| Cash dividends to net income (ytd only)* | 63.4921% | 1,302 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0680% | 3,248 |
| 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 | 62.3517% | 3,503 |
| Net loans and leases to deposits | 82.8538% | 2,637 |
| Net loans and leases to core deposits | 94.2377% | 2,227 |
| Total domestic deposits to total assets | 75.2550% | 4,745 |
| Equity capital to assets | 11.7486% | 2,385 |
| Core capital (leverage) ratio | 12.1112% | 1,751 |
| Tier 1 risk-based capital ratio | 16.9791% | 2,098 |
| Total risk-based capital ratio | 17.9462% | 2,121 |
| Memoranda: | ||
| Average total assets | $71,383,330 | 4,496 |
| Average earning assets | $66,100,330 | 4,495 |
| Average equity | $8,061,000 | 4,573 |
| Average total loans | $41,953,670 | 4,447 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8353% | 1,803 |
| Cost of funding earning assets | 0.7430% | 2,817 |
| Net interest margin | 4.0923% | 1,565 |
| Noninterest income to average assets | 0.4335% | 2,953 |
| Noninterest expense to average assets | 2.5616% | 3,331 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.6552% | 803 |
| Return on assets (ROA) | 1.6552% | 832 |
| Pretax return on assets | 1.6552% | 1,326 |
| Return on Equity (ROE) | 14.9637% | 752 |
| Retained earnings to average equity (ytd only) | 3.7664% | 3,417 |
| Net charge-offs to loans | -0.0199% | 4,486 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7477% | 3,711 |
| Assets per employee ($millions) | 5.6575% | 1,835 |
| Cash dividends to net income (ytd only)* | 74.8299% | 1,020 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2067% | 2,539 |
| 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 | 53.9886% | 4,209 |
| Net loans and leases to deposits | 69.3560% | 3,819 |
| Net loans and leases to core deposits | 77.8905% | 3,526 |
| Total domestic deposits to total assets | 77.8427% | 4,543 |
| Equity capital to assets | 10.9440% | 2,912 |
| Core capital (leverage) ratio | 11.6718% | 2,005 |
| Tier 1 risk-based capital ratio | 18.3928% | 1,689 |
| Total risk-based capital ratio | 19.4630% | 1,693 |
| Memoranda: | ||
| Average total assets | $71,049,500 | 4,549 |
| Average earning assets | $65,684,000 | 4,548 |
| Average equity | $7,859,000 | 4,631 |
| Average total loans | $40,225,500 | 4,532 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6573% | 1,966 |
| Cost of funding earning assets | 0.6536% | 2,369 |
| Net interest margin | 4.0037% | 1,975 |
| Noninterest income to average assets | 0.5201% | 2,717 |
| Noninterest expense to average assets | 2.3200% | 4,076 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.8635% | 487 |
| Return on assets (ROA) | 1.8635% | 487 |
| Pretax return on assets | 1.8635% | 787 |
| Return on Equity (ROE) | 17.4555% | 441 |
| Retained earnings to average equity (ytd only) | 7.7129% | 1,370 |
| Net charge-offs to loans | -0.1052% | 5,160 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.4558% | 4,470 |
| Assets per employee ($millions) | 5.2732% | 2,177 |
| Cash dividends to net income (ytd only)* | 55.8140% | 1,690 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1997% | 2,573 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1692% | 3,974 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 58.0231% | 3,958 |
| Net loans and leases to deposits | 69.0208% | 3,903 |
| Net loans and leases to core deposits | 79.3520% | 3,473 |
| Total domestic deposits to total assets | 84.0661% | 2,980 |
| Equity capital to assets | 11.1871% | 2,525 |
| Core capital (leverage) ratio | 11.7177% | 1,938 |
| Tier 1 risk-based capital ratio | 18.6984% | 1,572 |
| Total risk-based capital ratio | 19.7914% | 1,560 |
| Memoranda: | ||
| Average total assets | $69,222,800 | 4,594 |
| Average earning assets | $63,340,800 | 4,604 |
| Average equity | $7,390,200 | 4,691 |
| Average total loans | $38,978,600 | 4,586 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5281% | 2,197 |
| Cost of funding earning assets | 0.6099% | 2,406 |
| Net interest margin | 3.9182% | 2,229 |
| Noninterest income to average assets | 0.5688% | 2,479 |
| Noninterest expense to average assets | 2.2481% | 4,221 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.9003% | 485 |
| Return on assets (ROA) | 1.9003% | 482 |
| Pretax return on assets | 1.9003% | 815 |
| Return on Equity (ROE) | 18.0128% | 425 |
| Retained earnings to average equity (ytd only) | 8.1777% | 1,569 |
| Net charge-offs to loans | -0.1000% | 5,162 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.1918% | 4,593 |
| Assets per employee ($millions) | 5.3213% | 2,101 |
| Cash dividends to net income (ytd only)* | 54.6006% | 1,421 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1216% | 3,066 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1677% | 4,121 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 60.0214% | 3,841 |
| Net loans and leases to deposits | 74.0732% | 3,585 |
| Net loans and leases to core deposits | 86.4121% | 2,963 |
| Total domestic deposits to total assets | 81.0298% | 3,858 |
| Equity capital to assets | 10.6090% | 3,034 |
| Core capital (leverage) ratio | 11.7696% | 1,938 |
| Tier 1 risk-based capital ratio | 17.6955% | 1,871 |
| Total risk-based capital ratio | 18.7193% | 1,897 |
| Memoranda: | ||
| Average total assets | $69,390,500 | 4,636 |
| Average earning assets | $63,394,750 | 4,647 |
| Average equity | $7,320,500 | 4,749 |
| Average total loans | $38,658,500 | 4,640 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4236% | 2,340 |
| Cost of funding earning assets | 0.5553% | 2,567 |
| Net interest margin | 3.8683% | 2,322 |
| Noninterest income to average assets | 0.6565% | 2,059 |
| Noninterest expense to average assets | 2.2746% | 4,204 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.9118% | 456 |
| Return on assets (ROA) | 1.9118% | 454 |
| Pretax return on assets | 1.9118% | 749 |
| Return on Equity (ROE) | 18.1561% | 403 |
| Retained earnings to average equity (ytd only) | 8.3124% | 1,486 |
| Net charge-offs to loans | -0.1278% | 5,232 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.3329% | 4,658 |
| Assets per employee ($millions) | 4.8151% | 2,664 |
| Cash dividends to net income (ytd only)* | 54.2169% | 1,518 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2172% | 2,621 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1721% | 4,124 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 56.1021% | 4,155 |
| Net loans and leases to deposits | 67.0930% | 4,091 |
| Net loans and leases to core deposits | 77.6890% | 3,600 |
| Total domestic deposits to total assets | 83.6184% | 3,211 |
| Equity capital to assets | 10.8335% | 2,804 |
| Core capital (leverage) ratio | 12.1433% | 1,621 |
| Tier 1 risk-based capital ratio | 18.7234% | 1,618 |
| Total risk-based capital ratio | 19.8145% | 1,623 |
| Memoranda: | ||
| Average total assets | $69,461,670 | 4,689 |
| Average earning assets | $63,387,330 | 4,703 |
| Average equity | $7,314,330 | 4,800 |
| Average total loans | $37,547,330 | 4,716 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4279% | 2,101 |
| Cost of funding earning assets | 0.5527% | 2,385 |
| Net interest margin | 3.8752% | 2,138 |
| Noninterest income to average assets | 0.9080% | 1,130 |
| Noninterest expense to average assets | 2.3040% | 4,187 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 2.1451% | 269 |
| Return on assets (ROA) | 2.1451% | 272 |
| Pretax return on assets | 2.1451% | 419 |
| Return on Equity (ROE) | 20.6557% | 213 |
| Retained earnings to average equity (ytd only) | 10.8197% | 935 |
| Net charge-offs to loans | -0.2259% | 5,398 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.7857% | 4,975 |
| Assets per employee ($millions) | 5.2009% | 2,251 |
| Cash dividends to net income (ytd only)* | 47.6190% | 1,573 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2874% | 2,302 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1716% | 4,226 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 52.5055% | 4,402 |
| Net loans and leases to deposits | 61.0511% | 4,395 |
| Net loans and leases to core deposits | 68.9722% | 4,153 |
| Total domestic deposits to total assets | 86.0025% | 2,538 |
| Equity capital to assets | 10.7540% | 2,818 |
| Core capital (leverage) ratio | 10.7741% | 2,656 |
| Tier 1 risk-based capital ratio | 19.2041% | 1,503 |
| Total risk-based capital ratio | 20.3310% | 1,495 |
| Memoranda: | ||
| Average total assets | $70,487,000 | 4,734 |
| Average earning assets | $64,409,500 | 4,740 |
| Average equity | $7,320,000 | 4,846 |
| Average total loans | $37,178,500 | 4,775 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2657% | 2,445 |
| Cost of funding earning assets | 0.4768% | 2,530 |
| Net interest margin | 3.7889% | 2,466 |
| Noninterest income to average assets | 0.3615% | 3,881 |
| Noninterest expense to average assets | 2.2118% | 4,500 |
| Loan and lease loss provision to assets | 0.9323% | 110 |
| Net operating income to assets | 0.6483% | 3,825 |
| Return on assets (ROA) | 0.6641% | 3,797 |
| Pretax return on assets | 0.6641% | 4,593 |
| Return on Equity (ROE) | 6.2761% | 3,638 |
| Retained earnings to average equity (ytd only) | 1.3962% | 4,448 |
| Net charge-offs to loans | 1.7988% | 80 |
| Credit loss provision to net charge-offs | 91.2921% | 2,759 |
| Earnings coverage of net charge-offs (x) | 1.5478% | 3,872 |
| Efficiency ratio | 58.3207% | 4,489 |
| Assets per employee ($millions) | 5.6432% | 1,798 |
| Cash dividends to net income (ytd only)* | 77.7538% | 911 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1512% | 3,053 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1608% | 4,340 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 51.7325% | 4,534 |
| Net loans and leases to deposits | 63.4490% | 4,357 |
| Net loans and leases to core deposits | 69.8058% | 4,187 |
| Total domestic deposits to total assets | 81.5340% | 3,989 |
| Equity capital to assets | 10.0447% | 3,653 |
| Core capital (leverage) ratio | 10.1000% | 3,321 |
| Tier 1 risk-based capital ratio | 18.1289% | 1,769 |
| Total risk-based capital ratio | 19.1705% | 1,771 |
| Memoranda: | ||
| Average total assets | $69,716,400 | 4,781 |
| Average earning assets | $63,131,600 | 4,801 |
| Average equity | $7,377,200 | 4,883 |
| Average total loans | $39,581,800 | 4,741 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2352% | 2,497 |
| Cost of funding earning assets | 0.4460% | 2,752 |
| Net interest margin | 3.7891% | 2,442 |
| Noninterest income to average assets | 0.3643% | 3,917 |
| Noninterest expense to average assets | 2.2866% | 4,334 |
| Loan and lease loss provision to assets | 0.8236% | 128 |
| Net operating income to assets | 0.6782% | 4,089 |
| Return on assets (ROA) | 0.6995% | 4,044 |
| Pretax return on assets | 0.6995% | 4,610 |
| Return on Equity (ROE) | 6.5226% | 3,902 |
| Retained earnings to average equity (ytd only) | 0.0180% | 5,203 |
| Net charge-offs to loans | 2.4239% | 59 |
| Credit loss provision to net charge-offs | 58.6207% | 2,820 |
| Earnings coverage of net charge-offs (x) | 1.0690% | 3,602 |
| Efficiency ratio | 60.3581% | 4,150 |
| Assets per employee ($millions) | 5.0848% | 2,346 |
| Cash dividends to net income (ytd only)* | 99.7237% | 317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5010% | 5,464 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1658% | 4,445 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 56.9079% | 4,159 |
| Net loans and leases to deposits | 71.7250% | 3,801 |
| Net loans and leases to core deposits | 80.5965% | 3,401 |
| Total domestic deposits to total assets | 79.3417% | 4,474 |
| Equity capital to assets | 10.4963% | 3,381 |
| Core capital (leverage) ratio | 10.7636% | 2,682 |
| Tier 1 risk-based capital ratio | 17.3202% | 2,060 |
| Total risk-based capital ratio | 17.7855% | 2,269 |
| Memoranda: | ||
| Average total assets | $68,805,000 | 4,844 |
| Average earning assets | $62,176,250 | 4,864 |
| Average equity | $7,379,250 | 4,929 |
| Average total loans | $39,878,750 | 4,785 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1936% | 2,498 |
| Cost of funding earning assets | 0.4112% | 2,965 |
| Net interest margin | 3.7824% | 2,353 |
| Noninterest income to average assets | 0.3735% | 3,886 |
| Noninterest expense to average assets | 2.3055% | 4,327 |
| Loan and lease loss provision to assets | 0.5881% | 191 |
| Net operating income to assets | 0.8881% | 2,974 |
| Return on assets (ROA) | 0.9204% | 2,861 |
| Pretax return on assets | 0.9204% | 3,865 |
| Return on Equity (ROE) | 8.5189% | 2,769 |
| Retained earnings to average equity (ytd only) | -1.2792% | 5,264 |
| Net charge-offs to loans | 2.0101% | 80 |
| Credit loss provision to net charge-offs | 50.2513% | 2,558 |
| Earnings coverage of net charge-offs (x) | 1.2613% | 3,304 |
| Efficiency ratio | 60.9642% | 4,172 |
| Assets per employee ($millions) | 4.8083% | 2,638 |
| Cash dividends to net income (ytd only)* | 115.0160% | 328 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7516% | 5,078 |
| Loan loss allowance to noncurrent loans | 54.1593% | 4,492 |
| Noncurrent assets plus other real estate owned to assets | 0.8393% | 2,110 |
| Noncurrent loans to loans | 1.3878% | 1,392 |
| Net loans and leases to total assets | 60.0244% | 3,842 |
| Net loans and leases to deposits | 70.0885% | 3,910 |
| Net loans and leases to core deposits | 83.3818% | 3,139 |
| Total domestic deposits to total assets | 85.6409% | 2,553 |
| Equity capital to assets | 11.0375% | 2,768 |
| Core capital (leverage) ratio | 11.1911% | 2,230 |
| Tier 1 risk-based capital ratio | 16.7154% | 2,230 |
| Total risk-based capital ratio | 17.3936% | 2,390 |
| Memoranda: | ||
| Average total assets | $68,011,000 | 4,900 |
| Average earning assets | $61,284,330 | 4,914 |
| Average equity | $7,348,330 | 4,955 |
| Average total loans | $39,600,000 | 4,820 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0148% | 2,980 |
| Cost of funding earning assets | 0.3733% | 3,273 |
| Net interest margin | 3.6415% | 2,733 |
| Noninterest income to average assets | 0.3803% | 3,803 |
| Noninterest expense to average assets | 2.2762% | 4,472 |
| Loan and lease loss provision to assets | 0.5852% | 167 |
| Net operating income to assets | 0.7724% | 3,351 |
| Return on assets (ROA) | 0.8368% | 3,103 |
| Pretax return on assets | 0.8368% | 3,983 |
| Return on Equity (ROE) | 7.8276% | 3,008 |
| Retained earnings to average equity (ytd only) | -2.0253% | 5,173 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6409% | 4,048 |
| Assets per employee ($millions) | 5.2628% | 2,121 |
| Cash dividends to net income (ytd only)* | 125.8741% | 503 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5450% | 1,529 |
| Loan loss allowance to noncurrent loans | 62.7207% | 4,362 |
| Noncurrent assets plus other real estate owned to assets | 1.4075% | 1,180 |
| Noncurrent loans to loans | 2.4634% | 637 |
| Net loans and leases to total assets | 56.2565% | 4,143 |
| Net loans and leases to deposits | 65.3408% | 4,224 |
| Net loans and leases to core deposits | 77.0396% | 3,561 |
| Total domestic deposits to total assets | 86.0970% | 2,626 |
| Equity capital to assets | 10.7137% | 2,948 |
| Core capital (leverage) ratio | 11.3471% | 2,065 |
| Tier 1 risk-based capital ratio | 16.7968% | 2,247 |
| Total risk-based capital ratio | 18.0488% | 2,219 |
| Memoranda: | ||
| Average total assets | $68,358,500 | 4,943 |
| Average earning assets | $61,074,500 | 4,970 |
| Average equity | $7,307,500 | 4,997 |
| Average total loans | $39,044,000 | 4,884 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8667% | 3,689 |
| Cost of funding earning assets | 0.4037% | 2,965 |
| Net interest margin | 3.4630% | 3,573 |
| Noninterest income to average assets | 0.3624% | 4,152 |
| Noninterest expense to average assets | 2.1613% | 4,860 |
| Loan and lease loss provision to assets | 0.2229% | 983 |
| Net operating income to assets | 1.0742% | 2,016 |
| Return on assets (ROA) | 0.9635% | 2,625 |
| Pretax return on assets | 0.9635% | 3,602 |
| Return on Equity (ROE) | 8.7873% | 2,520 |
| Retained earnings to average equity (ytd only) | -0.6558% | 5,402 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4948% | 4,176 |
| Assets per employee ($millions) | 5.2538% | 2,113 |
| Cash dividends to net income (ytd only)* | 107.4627% | 289 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2925% | 2,590 |
| Loan loss allowance to noncurrent loans | 52.3364% | 4,635 |
| Noncurrent assets plus other real estate owned to assets | 1.4100% | 1,212 |
| Noncurrent loans to loans | 2.4695% | 637 |
| Net loans and leases to total assets | 56.3558% | 4,233 |
| Net loans and leases to deposits | 71.3351% | 3,776 |
| Net loans and leases to core deposits | 75.4666% | 3,795 |
| Total domestic deposits to total assets | 79.0015% | 4,796 |
| Equity capital to assets | 10.6662% | 2,961 |
| Core capital (leverage) ratio | 10.8279% | 2,507 |
| Tier 1 risk-based capital ratio | 16.6810% | 2,275 |
| Total risk-based capital ratio | 17.7886% | 2,276 |
| Memoranda: | ||
| Average total assets | $69,541,600 | 4,947 |
| Average earning assets | $62,171,800 | 4,976 |
| Average equity | $7,624,600 | 4,989 |
| Average total loans | $38,633,400 | 4,925 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8822% | 3,648 |
| Cost of funding earning assets | 0.3970% | 3,049 |
| Net interest margin | 3.4852% | 3,525 |
| Noninterest income to average assets | 0.3627% | 4,185 |
| Noninterest expense to average assets | 2.0939% | 5,015 |
| Loan and lease loss provision to assets | 0.2959% | 576 |
| Net operating income to assets | 1.0899% | 2,045 |
| Return on assets (ROA) | 1.0918% | 2,136 |
| Pretax return on assets | 1.0918% | 3,267 |
| Return on Equity (ROE) | 9.8923% | 2,096 |
| Retained earnings to average equity (ytd only) | 0.5535% | 5,219 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1755% | 4,518 |
| Assets per employee ($millions) | 5.1631% | 2,170 |
| Cash dividends to net income (ytd only)* | 94.4050% | 475 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2694% | 2,845 |
| Loan loss allowance to noncurrent loans | 52.2822% | 4,680 |
| Noncurrent assets plus other real estate owned to assets | 1.4362% | 1,278 |
| Noncurrent loans to loans | 2.4279% | 737 |
| Net loans and leases to total assets | 58.4044% | 4,057 |
| Net loans and leases to deposits | 78.1691% | 3,168 |
| Net loans and leases to core deposits | 82.4312% | 3,249 |
| Total domestic deposits to total assets | 74.7154% | 5,368 |
| Equity capital to assets | 11.6731% | 2,377 |
| Core capital (leverage) ratio | 11.4554% | 2,068 |
| Tier 1 risk-based capital ratio | 17.6701% | 2,018 |
| Total risk-based capital ratio | 18.8309% | 2,011 |
| Memoranda: | ||
| Average total assets | $69,852,000 | 4,976 |
| Average earning assets | $62,472,000 | 5,011 |
| Average equity | $7,709,500 | 5,028 |
| Average total loans | $38,543,000 | 4,976 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8517% | 3,769 |
| Cost of funding earning assets | 0.3921% | 3,129 |
| Net interest margin | 3.4596% | 3,642 |
| Noninterest income to average assets | 0.3589% | 4,200 |
| Noninterest expense to average assets | 2.0576% | 5,151 |
| Loan and lease loss provision to assets | 0.4381% | 330 |
| Net operating income to assets | 0.9553% | 2,604 |
| Return on assets (ROA) | 0.9581% | 2,738 |
| Pretax return on assets | 0.9581% | 3,753 |
| Return on Equity (ROE) | 8.8423% | 2,566 |
| Retained earnings to average equity (ytd only) | -0.5478% | 5,374 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6233% | 4,691 |
| Assets per employee ($millions) | 4.8052% | 2,551 |
| Cash dividends to net income (ytd only)* | 106.1947% | 445 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3122% | 2,725 |
| Loan loss allowance to noncurrent loans | 52.1200% | 4,754 |
| Noncurrent assets plus other real estate owned to assets | 1.4374% | 1,352 |
| Noncurrent loans to loans | 2.5177% | 685 |
| Net loans and leases to total assets | 56.3436% | 4,267 |
| Net loans and leases to deposits | 75.2885% | 3,454 |
| Net loans and leases to core deposits | 79.3336% | 3,520 |
| Total domestic deposits to total assets | 74.8369% | 5,433 |
| Equity capital to assets | 11.5797% | 2,464 |
| Core capital (leverage) ratio | 11.1119% | 2,317 |
| Tier 1 risk-based capital ratio | 17.7844% | 1,993 |
| Total risk-based capital ratio | 18.9608% | 1,969 |
| Memoranda: | ||
| Average total assets | $70,762,670 | 5,009 |
| Average earning assets | $63,244,330 | 5,045 |
| Average equity | $7,667,670 | 5,076 |
| Average total loans | $38,155,670 | 5,034 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9131% | 3,542 |
| Cost of funding earning assets | 0.3851% | 3,245 |
| Net interest margin | 3.5280% | 3,364 |
| Noninterest income to average assets | 0.3696% | 4,080 |
| Noninterest expense to average assets | 1.9915% | 5,360 |
| Loan and lease loss provision to assets | 0.8551% | 117 |
| Net operating income to assets | 0.6565% | 3,947 |
| Return on assets (ROA) | 0.6565% | 4,069 |
| Pretax return on assets | 0.6565% | 4,661 |
| Return on Equity (ROE) | 6.2578% | 3,856 |
| Retained earnings to average equity (ytd only) | -3.2078% | 5,492 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.8504% | 5,109 |
| Assets per employee ($millions) | 5.8307% | 1,552 |
| Cash dividends to net income (ytd only)* | 151.2605% | 373 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3344% | 2,735 |
| Loan loss allowance to noncurrent loans | 52.2822% | 4,772 |
| Noncurrent assets plus other real estate owned to assets | 1.3778% | 1,521 |
| Noncurrent loans to loans | 2.5523% | 722 |
| Net loans and leases to total assets | 53.2615% | 4,515 |
| Net loans and leases to deposits | 69.9765% | 3,862 |
| Net loans and leases to core deposits | 74.6320% | 3,827 |
| Total domestic deposits to total assets | 76.1134% | 5,400 |
| Equity capital to assets | 10.9450% | 2,999 |
| Core capital (leverage) ratio | 10.7576% | 2,666 |
| Tier 1 risk-based capital ratio | 17.6627% | 2,084 |
| Total risk-based capital ratio | 18.8374% | 2,067 |
| Memoranda: | ||
| Average total assets | $72,507,500 | 5,012 |
| Average earning assets | $64,399,500 | 5,068 |
| Average equity | $7,606,500 | 5,120 |
| Average total loans | $38,029,500 | 5,078 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9284% | 3,607 |
| Cost of funding earning assets | 0.3797% | 3,372 |
| Net interest margin | 3.5487% | 3,331 |
| Noninterest income to average assets | 0.3629% | 4,311 |
| Noninterest expense to average assets | 2.0990% | 5,260 |
| Loan and lease loss provision to assets | 0.0427% | 3,479 |
| Net operating income to assets | 1.3733% | 1,092 |
| Return on assets (ROA) | 1.3889% | 1,098 |
| Pretax return on assets | 1.3889% | 1,943 |
| Return on Equity (ROE) | 13.0377% | 1,053 |
| Retained earnings to average equity (ytd only) | 5.8242% | 1,882 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.7166% | 4,945 |
| Assets per employee ($millions) | 5.7728% | 1,560 |
| Cash dividends to net income (ytd only)* | 55.3279% | 2,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9115% | 5,046 |
| Loan loss allowance to noncurrent loans | 6,980.0000% | 131 |
| Noncurrent assets plus other real estate owned to assets | 0.0067% | 5,686 |
| Noncurrent loans to loans | 0.0131% | 5,480 |
| Net loans and leases to total assets | 50.5550% | 4,819 |
| Net loans and leases to deposits | 63.8216% | 4,478 |
| Net loans and leases to core deposits | 66.7981% | 4,528 |
| Total domestic deposits to total assets | 79.2130% | 4,926 |
| Equity capital to assets | 10.0670% | 3,886 |
| Core capital (leverage) ratio | 10.6237% | 2,805 |
| Tier 1 risk-based capital ratio | 17.1658% | 2,230 |
| Total risk-based capital ratio | 17.9500% | 2,345 |
| Memoranda: | ||
| Average total assets | $70,271,200 | 5,087 |
| Average earning assets | $62,417,200 | 5,117 |
| Average equity | $7,486,000 | 5,153 |
| Average total loans | $37,237,200 | 5,110 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9106% | 3,711 |
| Cost of funding earning assets | 0.3805% | 3,432 |
| Net interest margin | 3.5302% | 3,429 |
| Noninterest income to average assets | 0.3687% | 4,290 |
| Noninterest expense to average assets | 2.0788% | 5,322 |
| Loan and lease loss provision to assets | 0.0290% | 3,661 |
| Net operating income to assets | 1.4129% | 1,082 |
| Return on assets (ROA) | 1.4360% | 1,082 |
| Pretax return on assets | 1.4360% | 1,883 |
| Return on Equity (ROE) | 13.2817% | 1,063 |
| Retained earnings to average equity (ytd only) | 6.8551% | 1,756 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.0461% | 5,003 |
| Assets per employee ($millions) | 5.2324% | 2,028 |
| Cash dividends to net income (ytd only)* | 48.3871% | 1,947 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8645% | 5,311 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 56.3047% | 4,319 |
| Net loans and leases to deposits | 72.1045% | 3,756 |
| Net loans and leases to core deposits | 86.1213% | 2,840 |
| Total domestic deposits to total assets | 78.0876% | 5,166 |
| Equity capital to assets | 11.2068% | 2,795 |
| Core capital (leverage) ratio | 11.2040% | 2,294 |
| Tier 1 risk-based capital ratio | 17.6966% | 2,119 |
| Total risk-based capital ratio | 18.4720% | 2,237 |
| Memoranda: | ||
| Average total assets | $69,077,250 | 5,172 |
| Average earning assets | $61,676,500 | 5,199 |
| Average equity | $7,468,750 | 5,221 |
| Average total loans | $36,974,250 | 5,173 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8672% | 3,807 |
| Cost of funding earning assets | 0.3757% | 3,546 |
| Net interest margin | 3.4915% | 3,532 |
| Noninterest income to average assets | 0.3572% | 4,400 |
| Noninterest expense to average assets | 2.0280% | 5,475 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.4346% | 1,027 |
| Return on assets (ROA) | 1.4346% | 1,063 |
| Pretax return on assets | 1.4346% | 1,850 |
| Return on Equity (ROE) | 13.4280% | 1,031 |
| Retained earnings to average equity (ytd only) | 8.5745% | 1,054 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.5691% | 5,159 |
| Assets per employee ($millions) | 4.8945% | 2,403 |
| Cash dividends to net income (ytd only)* | 36.1446% | 2,574 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8696% | 5,404 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 53.0669% | 4,653 |
| Net loans and leases to deposits | 65.2087% | 4,413 |
| Net loans and leases to core deposits | 77.1498% | 3,649 |
| Total domestic deposits to total assets | 81.3800% | 4,494 |
| Equity capital to assets | 10.9321% | 2,959 |
| Core capital (leverage) ratio | 10.8236% | 2,588 |
| Tier 1 risk-based capital ratio | 18.2623% | 1,993 |
| Total risk-based capital ratio | 19.0400% | 2,085 |
| Memoranda: | ||
| Average total assets | $69,429,330 | 5,231 |
| Average earning assets | $61,749,670 | 5,259 |
| Average equity | $7,417,330 | 5,277 |
| Average total loans | $36,421,330 | 5,245 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8654% | 3,765 |
| Cost of funding earning assets | 0.3891% | 3,425 |
| Net interest margin | 3.4763% | 3,523 |
| Noninterest income to average assets | 0.3549% | 4,358 |
| Noninterest expense to average assets | 1.9862% | 5,608 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.4367% | 969 |
| Return on assets (ROA) | 1.4367% | 1,024 |
| Pretax return on assets | 1.4367% | 1,753 |
| Return on Equity (ROE) | 13.6034% | 957 |
| Retained earnings to average equity (ytd only) | 13.6034% | 391 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0268% | 5,335 |
| Assets per employee ($millions) | 5.4551% | 1,833 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8724% | 5,519 |
| 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 | 51.1112% | 4,736 |
| Net loans and leases to deposits | 62.3598% | 4,538 |
| Net loans and leases to core deposits | 72.3719% | 3,928 |
| Total domestic deposits to total assets | 81.9618% | 4,520 |
| Equity capital to assets | 10.6549% | 3,366 |
| Core capital (leverage) ratio | 10.5296% | 2,925 |
| Tier 1 risk-based capital ratio | 17.3623% | 2,350 |
| Total risk-based capital ratio | 18.1054% | 2,487 |
| Memoranda: | ||
| Average total assets | $69,882,500 | 5,261 |
| Average earning assets | $61,675,000 | 5,308 |
| Average equity | $7,380,500 | 5,328 |
| Average total loans | $36,291,000 | 5,286 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0326% | 3,586 |
| Cost of funding earning assets | 0.4050% | 3,644 |
| Net interest margin | 3.6276% | 3,301 |
| Noninterest income to average assets | 0.3667% | 4,461 |
| Noninterest expense to average assets | 2.0871% | 5,603 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.4545% | 971 |
| Return on assets (ROA) | 1.4607% | 991 |
| Pretax return on assets | 1.4607% | 1,689 |
| Return on Equity (ROE) | 13.6587% | 1,003 |
| Retained earnings to average equity (ytd only) | 4.5005% | 2,973 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.9301% | 5,356 |
| Assets per employee ($millions) | 4.9178% | 2,426 |
| Cash dividends to net income (ytd only)* | 67.0502% | 1,411 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8857% | 5,516 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 51.8497% | 4,800 |
| Net loans and leases to deposits | 63.2932% | 4,600 |
| Net loans and leases to core deposits | 75.3154% | 3,789 |
| Total domestic deposits to total assets | 81.9199% | 4,449 |
| Equity capital to assets | 10.4649% | 3,529 |
| Core capital (leverage) ratio | 10.5793% | 2,864 |
| Tier 1 risk-based capital ratio | 16.6079% | 2,668 |
| Total risk-based capital ratio | 17.3434% | 2,858 |
| Memoranda: | ||
| Average total assets | $65,450,200 | 5,412 |
| Average earning assets | $57,283,400 | 5,478 |
| Average equity | $6,999,200 | 5,412 |
| Average total loans | $33,558,200 | 5,417 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0211% | 3,681 |
| Cost of funding earning assets | 0.4122% | 3,657 |
| Net interest margin | 3.6089% | 3,392 |
| Noninterest income to average assets | 0.3715% | 4,453 |
| Noninterest expense to average assets | 1.9525% | 5,852 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.5810% | 786 |
| Return on assets (ROA) | 1.5892% | 802 |
| Pretax return on assets | 1.5892% | 1,360 |
| Return on Equity (ROE) | 14.7766% | 870 |
| Retained earnings to average equity (ytd only) | 6.9661% | 1,836 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.2570% | 5,721 |
| Assets per employee ($millions) | 4.8180% | 2,494 |
| Cash dividends to net income (ytd only)* | 52.8569% | 1,698 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8721% | 5,683 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 53.7553% | 4,602 |
| Net loans and leases to deposits | 65.9003% | 4,337 |
| Net loans and leases to core deposits | 78.7897% | 3,463 |
| Total domestic deposits to total assets | 81.5706% | 4,638 |
| Equity capital to assets | 10.6579% | 3,360 |
| Core capital (leverage) ratio | 10.9849% | 2,508 |
| Tier 1 risk-based capital ratio | 16.8738% | 2,660 |
| Total risk-based capital ratio | 17.6161% | 2,828 |
| Memoranda: | ||
| Average total assets | $64,600,500 | 5,495 |
| Average earning assets | $56,599,750 | 5,556 |
| Average equity | $6,947,750 | 5,474 |
| Average total loans | $32,943,500 | 5,493 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0082% | 3,698 |
| Cost of funding earning assets | 0.4210% | 3,648 |
| Net interest margin | 3.5872% | 3,420 |
| Noninterest income to average assets | 0.3802% | 4,400 |
| Noninterest expense to average assets | 1.9544% | 5,907 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.5585% | 779 |
| Return on assets (ROA) | 1.5585% | 812 |
| Pretax return on assets | 1.5585% | 1,367 |
| Return on Equity (ROE) | 14.4452% | 882 |
| Retained earnings to average equity (ytd only) | 5.1257% | 2,882 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.6351% | 5,781 |
| Assets per employee ($millions) | 4.6729% | 2,662 |
| Cash dividends to net income (ytd only)* | 64.5161% | 1,342 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9543% | 5,544 |
| 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 | 50.6099% | 4,899 |
| Net loans and leases to deposits | 65.4238% | 4,331 |
| Net loans and leases to core deposits | 72.6106% | 3,985 |
| Total domestic deposits to total assets | 77.3571% | 5,745 |
| Equity capital to assets | 10.8224% | 3,063 |
| Core capital (leverage) ratio | 11.4475% | 2,050 |
| Tier 1 risk-based capital ratio | 17.9787% | 2,250 |
| Total risk-based capital ratio | 18.7906% | 2,373 |
| Memoranda: | ||
| Average total assets | $63,650,000 | 5,568 |
| Average earning assets | $55,586,670 | 5,637 |
| Average equity | $6,867,330 | 5,519 |
| Average total loans | $31,732,000 | 5,592 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0869% | 3,335 |
| Cost of funding earning assets | 0.4329% | 3,616 |
| Net interest margin | 3.6540% | 3,046 |
| Noninterest income to average assets | 0.3824% | 4,330 |
| Noninterest expense to average assets | 1.9438% | 5,990 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.6124% | 656 |
| Return on assets (ROA) | 1.6124% | 681 |
| Pretax return on assets | 1.6124% | 1,147 |
| Return on Equity (ROE) | 14.9682% | 777 |
| Retained earnings to average equity (ytd only) | 7.2179% | 1,934 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.6595% | 5,957 |
| Assets per employee ($millions) | 4.7425% | 2,611 |
| Cash dividends to net income (ytd only)* | 51.7787% | 1,632 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0710% | 5,242 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 47.7957% | 5,158 |
| Net loans and leases to deposits | 58.3020% | 4,909 |
| Net loans and leases to core deposits | 64.7143% | 4,622 |
| Total domestic deposits to total assets | 81.9795% | 4,951 |
| Equity capital to assets | 11.1773% | 2,550 |
| Core capital (leverage) ratio | 11.0881% | 2,312 |
| Tier 1 risk-based capital ratio | 19.4809% | 1,840 |
| Total risk-based capital ratio | 20.3674% | 1,896 |
| Memoranda: | ||
| Average total assets | $62,765,000 | 5,648 |
| Average earning assets | $54,515,000 | 5,723 |
| Average equity | $6,761,000 | 5,578 |
| Average total loans | $30,884,000 | 5,682 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8340% | 4,679 |
| Cost of funding earning assets | 0.4746% | 3,869 |
| Net interest margin | 3.3594% | 4,439 |
| Noninterest income to average assets | 0.4126% | 4,357 |
| Noninterest expense to average assets | 1.9936% | 6,039 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.4034% | 1,018 |
| Return on assets (ROA) | 1.4666% | 929 |
| Pretax return on assets | 1.4666% | 1,561 |
| Return on Equity (ROE) | 14.5040% | 850 |
| Retained earnings to average equity (ytd only) | 4.8992% | 2,669 |
| Net charge-offs to loans | 0.0149% | 5,151 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 186.4000% | 245 |
| Efficiency ratio | 58.6879% | 5,650 |
| Assets per employee ($millions) | 4.9137% | 2,290 |
| Cash dividends to net income (ytd only)* | 66.2218% | 1,479 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9974% | 5,583 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 49.5679% | 5,132 |
| Net loans and leases to deposits | 59.7246% | 4,960 |
| Net loans and leases to core deposits | 65.9165% | 4,703 |
| Total domestic deposits to total assets | 82.9941% | 4,546 |
| Equity capital to assets | 10.3807% | 3,309 |
| Core capital (leverage) ratio | 10.5885% | 2,794 |
| Tier 1 risk-based capital ratio | 18.0598% | 2,229 |
| Total risk-based capital ratio | 18.8962% | 2,337 |
| Memoranda: | ||
| Average total assets | $66,411,200 | 5,580 |
| Average earning assets | $58,998,400 | 5,623 |
| Average equity | $6,715,400 | 5,640 |
| Average total loans | $33,527,400 | 5,600 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7563% | 5,011 |
| Cost of funding earning assets | 0.4835% | 3,931 |
| Net interest margin | 3.2728% | 4,742 |
| Noninterest income to average assets | 0.4097% | 4,456 |
| Noninterest expense to average assets | 1.8256% | 6,308 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.5054% | 888 |
| Return on assets (ROA) | 1.5890% | 811 |
| Pretax return on assets | 1.5890% | 1,360 |
| Return on Equity (ROE) | 15.8140% | 666 |
| Retained earnings to average equity (ytd only) | 6.9668% | 1,892 |
| Net charge-offs to loans | 0.0197% | 4,740 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 151.3208% | 366 |
| Efficiency ratio | 54.8060% | 6,033 |
| Assets per employee ($millions) | 5.4411% | 1,684 |
| Cash dividends to net income (ytd only)* | 55.9452% | 1,627 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9210% | 6,001 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 52.5600% | 4,810 |
| Net loans and leases to deposits | 63.1984% | 4,606 |
| Net loans and leases to core deposits | 78.8086% | 3,250 |
| Total domestic deposits to total assets | 83.1666% | 4,515 |
| Equity capital to assets | 10.3135% | 3,490 |
| Core capital (leverage) ratio | 10.3919% | 3,116 |
| Tier 1 risk-based capital ratio | 18.2748% | 2,219 |
| Total risk-based capital ratio | 19.1184% | 2,334 |
| Memoranda: | ||
| Average total assets | $67,044,500 | 5,624 |
| Average earning assets | $59,844,500 | 5,653 |
| Average equity | $6,736,500 | 5,704 |
| Average total loans | $33,913,750 | 5,639 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7539% | 4,977 |
| Cost of funding earning assets | 0.4895% | 3,993 |
| Net interest margin | 3.2644% | 4,713 |
| Noninterest income to average assets | 0.4170% | 4,400 |
| Noninterest expense to average assets | 1.7892% | 6,394 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.5467% | 826 |
| Return on assets (ROA) | 1.6236% | 785 |
| Pretax return on assets | 1.6236% | 1,297 |
| Return on Equity (ROE) | 16.2973% | 631 |
| Retained earnings to average equity (ytd only) | 7.8369% | 1,552 |
| Net charge-offs to loans | 0.0356% | 4,185 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 87.1667% | 521 |
| Efficiency ratio | 53.6348% | 6,171 |
| Assets per employee ($millions) | 4.6181% | 2,623 |
| Cash dividends to net income (ytd only)* | 51.9126% | 1,786 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9896% | 5,868 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 49.2104% | 5,200 |
| Net loans and leases to deposits | 60.1960% | 4,958 |
| Net loans and leases to core deposits | 70.5423% | 4,213 |
| Total domestic deposits to total assets | 81.7503% | 5,130 |
| Equity capital to assets | 10.1279% | 3,754 |
| Core capital (leverage) ratio | 10.1871% | 3,253 |
| Tier 1 risk-based capital ratio | 19.1717% | 1,945 |
| Total risk-based capital ratio | 20.0652% | 2,005 |
| Memoranda: | ||
| Average total assets | $67,628,330 | 5,645 |
| Average earning assets | $60,471,000 | 5,678 |
| Average equity | $6,737,330 | 5,750 |
| Average total loans | $33,672,670 | 5,680 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7254% | 5,074 |
| Cost of funding earning assets | 0.4803% | 4,277 |
| Net interest margin | 3.2451% | 4,744 |
| Noninterest income to average assets | 0.4225% | 4,300 |
| Noninterest expense to average assets | 1.7073% | 6,550 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.6089% | 696 |
| Return on assets (ROA) | 1.7594% | 564 |
| Pretax return on assets | 1.7594% | 955 |
| Return on Equity (ROE) | 17.7986% | 448 |
| Retained earnings to average equity (ytd only) | 15.8665% | 291 |
| Net charge-offs to loans | 0.1394% | 2,572 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 23.1667% | 1,114 |
| Efficiency ratio | 51.4834% | 6,411 |
| Assets per employee ($millions) | 5.3140% | 1,850 |
| Cash dividends to net income (ytd only)* | 10.8553% | 2,470 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9061% | 6,247 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 49.3920% | 5,066 |
| Net loans and leases to deposits | 62.1150% | 4,528 |
| Net loans and leases to core deposits | 72.0643% | 3,811 |
| Total domestic deposits to total assets | 79.5171% | 5,867 |
| Equity capital to assets | 10.0171% | 4,130 |
| Core capital (leverage) ratio | 9.8986% | 3,532 |
| Tier 1 risk-based capital ratio | 18.0855% | 2,325 |
| Total risk-based capital ratio | 18.9117% | 2,461 |
| Memoranda: | ||
| Average total assets | $69,116,000 | 5,651 |
| Average earning assets | $61,631,500 | 5,690 |
| Average equity | $6,832,000 | 5,786 |
| Average total loans | $34,442,000 | 5,690 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9206% | 5,519 |
| Cost of funding earning assets | 0.5844% | 4,495 |
| Net interest margin | 3.3362% | 5,119 |
| Noninterest income to average assets | 0.4077% | 4,543 |
| Noninterest expense to average assets | 1.9748% | 6,379 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.3796% | 1,130 |
| Return on assets (ROA) | 1.4586% | 1,103 |
| Pretax return on assets | 1.4586% | 1,824 |
| Return on Equity (ROE) | 13.0887% | 1,204 |
| Retained earnings to average equity (ytd only) | -3.6999% | 6,331 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.8725% | 5,712 |
| Assets per employee ($millions) | 5.3192% | 1,876 |
| Cash dividends to net income (ytd only)* | 128.2678% | 293 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9405% | 6,159 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 49.3521% | 5,258 |
| Net loans and leases to deposits | 60.7545% | 4,940 |
| Net loans and leases to core deposits | 71.6472% | 4,085 |
| Total domestic deposits to total assets | 81.2321% | 5,330 |
| Equity capital to assets | 9.7527% | 4,528 |
| Core capital (leverage) ratio | 9.5470% | 4,041 |
| Tier 1 risk-based capital ratio | 17.1097% | 2,596 |
| Total risk-based capital ratio | 17.9549% | 2,762 |
| Memoranda: | ||
| Average total assets | $64,511,800 | 5,798 |
| Average earning assets | $56,980,800 | 5,837 |
| Average equity | $7,189,400 | 5,708 |
| Average total loans | $28,589,600 | 6,017 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9683% | 5,608 |
| Cost of funding earning assets | 0.6065% | 4,582 |
| Net interest margin | 3.3618% | 5,175 |
| Noninterest income to average assets | 0.4104% | 4,551 |
| Noninterest expense to average assets | 1.8710% | 6,575 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.5027% | 1,015 |
| Return on assets (ROA) | 1.6100% | 915 |
| Pretax return on assets | 1.6100% | 1,545 |
| Return on Equity (ROE) | 13.9708% | 1,118 |
| Retained earnings to average equity (ytd only) | 8.1086% | 1,569 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.4585% | 6,110 |
| Assets per employee ($millions) | 5.3498% | 1,782 |
| Cash dividends to net income (ytd only)* | 41.9610% | 2,057 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1527% | 5,503 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 43.2793% | 6,021 |
| Net loans and leases to deposits | 54.0250% | 5,809 |
| Net loans and leases to core deposits | 58.8669% | 5,672 |
| Total domestic deposits to total assets | 80.1097% | 5,625 |
| Equity capital to assets | 12.0348% | 2,227 |
| Core capital (leverage) ratio | 11.1832% | 2,222 |
| Tier 1 risk-based capital ratio | 20.7176% | 1,593 |
| Total risk-based capital ratio | 21.6409% | 1,632 |
| Memoranda: | ||
| Average total assets | $63,352,250 | 5,899 |
| Average earning assets | $55,841,500 | 5,936 |
| Average equity | $7,300,750 | 5,746 |
| Average total loans | $27,124,250 | 6,160 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9202% | 5,866 |
| Cost of funding earning assets | 0.6287% | 4,641 |
| Net interest margin | 3.2916% | 5,465 |
| Noninterest income to average assets | 0.4154% | 4,540 |
| Noninterest expense to average assets | 1.8551% | 6,678 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.4492% | 1,086 |
| Return on assets (ROA) | 1.6109% | 912 |
| Pretax return on assets | 1.6109% | 1,514 |
| Return on Equity (ROE) | 14.1919% | 1,071 |
| Retained earnings to average equity (ytd only) | 5.2242% | 3,141 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.1420% | 6,097 |
| Assets per employee ($millions) | 5.0058% | 2,175 |
| Cash dividends to net income (ytd only)* | 63.1890% | 1,260 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1144% | 5,729 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 44.1783% | 6,001 |
| Net loans and leases to deposits | 54.6580% | 5,805 |
| Net loans and leases to core deposits | 61.2619% | 5,466 |
| Total domestic deposits to total assets | 80.8267% | 5,524 |
| Equity capital to assets | 11.1318% | 2,984 |
| Core capital (leverage) ratio | 10.9847% | 2,309 |
| Tier 1 risk-based capital ratio | 19.4664% | 1,863 |
| Total risk-based capital ratio | 20.3659% | 1,916 |
| Memoranda: | ||
| Average total assets | $63,070,670 | 5,943 |
| Average earning assets | $55,353,670 | 5,984 |
| Average equity | $7,159,000 | 5,798 |
| Average total loans | $26,796,330 | 6,219 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0094% | 5,728 |
| Cost of funding earning assets | 0.6682% | 4,554 |
| Net interest margin | 3.3412% | 5,332 |
| Noninterest income to average assets | 0.4447% | 4,327 |
| Noninterest expense to average assets | 1.8173% | 6,776 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.5273% | 979 |
| Return on assets (ROA) | 1.5273% | 1,100 |
| Pretax return on assets | 1.5273% | 1,806 |
| Return on Equity (ROE) | 13.3212% | 1,316 |
| Retained earnings to average equity (ytd only) | 5.3959% | 3,315 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.3353% | 6,311 |
| Assets per employee ($millions) | 5.2320% | 1,957 |
| Cash dividends to net income (ytd only)* | 59.4937% | 1,207 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2663% | 5,174 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 40.2364% | 6,331 |
| Net loans and leases to deposits | 45.5516% | 6,462 |
| Net loans and leases to core deposits | 48.7740% | 6,411 |
| Total domestic deposits to total assets | 88.3314% | 2,110 |
| Equity capital to assets | 11.4759% | 2,461 |
| Core capital (leverage) ratio | 11.0717% | 2,206 |
| Tier 1 risk-based capital ratio | 20.9333% | 1,509 |
| Total risk-based capital ratio | 21.9131% | 1,522 |
| Memoranda: | ||
| Average total assets | $62,068,500 | 6,008 |
| Average earning assets | $53,873,000 | 6,069 |
| Average equity | $7,116,500 | 5,833 |
| Average total loans | $25,658,000 | 6,323 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2189% | 6,001 |
| Cost of funding earning assets | 0.7573% | 5,157 |
| Net interest margin | 3.4616% | 5,280 |
| Noninterest income to average assets | 0.4856% | 3,955 |
| Noninterest expense to average assets | 2.1606% | 6,357 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 1.3812% | 1,060 |
| Return on assets (ROA) | 1.5290% | 844 |
| Pretax return on assets | 1.5290% | 1,396 |
| Return on Equity (ROE) | 12.1596% | 1,365 |
| Retained earnings to average equity (ytd only) | -4.1978% | 6,384 |
| Net charge-offs to loans | -0.0115% | 6,902 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0035% | 5,603 |
| Assets per employee ($millions) | 5.1128% | 2,041 |
| Cash dividends to net income (ytd only)* | 134.5224% | 177 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2592% | 5,116 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 41.4095% | 6,427 |
| Net loans and leases to deposits | 46.8953% | 6,575 |
| Net loans and leases to core deposits | 50.2661% | 6,517 |
| Total domestic deposits to total assets | 88.3021% | 1,969 |
| Equity capital to assets | 11.4550% | 2,540 |
| Core capital (leverage) ratio | 11.2916% | 2,047 |
| Tier 1 risk-based capital ratio | 20.6787% | 1,482 |
| Total risk-based capital ratio | 21.6604% | 1,517 |
| Memoranda: | ||
| Average total assets | $56,835,800 | 6,141 |
| Average earning assets | $50,178,600 | 6,184 |
| Average equity | $7,146,600 | 5,825 |
| Average total loans | $26,044,000 | 6,352 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2431% | 6,102 |
| Cost of funding earning assets | 0.7756% | 5,308 |
| Net interest margin | 3.4674% | 5,320 |
| Noninterest income to average assets | 0.5074% | 3,814 |
| Noninterest expense to average assets | 2.0775% | 6,539 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.5007% | 927 |
| Return on assets (ROA) | 1.6323% | 802 |
| Pretax return on assets | 1.6323% | 1,297 |
| Return on Equity (ROE) | 12.6711% | 1,368 |
| Retained earnings to average equity (ytd only) | -4.4962% | 6,560 |
| Net charge-offs to loans | -0.0153% | 6,852 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0602% | 6,001 |
| Assets per employee ($millions) | 4.8114% | 2,457 |
| Cash dividends to net income (ytd only)* | 135.4840% | 133 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1993% | 5,471 |
| 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 | 46.2303% | 6,127 |
| Net loans and leases to deposits | 52.9824% | 6,295 |
| Net loans and leases to core deposits | 57.1135% | 6,214 |
| Total domestic deposits to total assets | 87.2560% | 2,490 |
| Equity capital to assets | 12.4911% | 1,918 |
| Core capital (leverage) ratio | 12.3804% | 1,494 |
| Tier 1 risk-based capital ratio | 20.4937% | 1,565 |
| Total risk-based capital ratio | 21.4583% | 1,602 |
| Memoranda: | ||
| Average total assets | $55,706,500 | 6,218 |
| Average earning assets | $49,334,250 | 6,271 |
| Average equity | $7,176,250 | 5,848 |
| Average total loans | $26,122,500 | 6,418 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2062% | 6,268 |
| Cost of funding earning assets | 0.7976% | 5,382 |
| Net interest margin | 3.4085% | 5,527 |
| Noninterest income to average assets | 0.5197% | 3,708 |
| Noninterest expense to average assets | 2.1007% | 6,591 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.4320% | 1,017 |
| Return on assets (ROA) | 1.4320% | 1,074 |
| Pretax return on assets | 1.4320% | 1,718 |
| Return on Equity (ROE) | 10.9989% | 1,801 |
| Retained earnings to average equity (ytd only) | -9.9381% | 6,877 |
| Net charge-offs to loans | -0.0155% | 6,770 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4650% | 5,948 |
| Assets per employee ($millions) | 3.9109% | 3,965 |
| Cash dividends to net income (ytd only)* | 190.3553% | 102 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2606% | 5,251 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 46.2084% | 6,246 |
| Net loans and leases to deposits | 54.1315% | 6,297 |
| Net loans and leases to core deposits | 58.6952% | 6,215 |
| Total domestic deposits to total assets | 85.3631% | 3,692 |
| Equity capital to assets | 13.1155% | 1,464 |
| Core capital (leverage) ratio | 12.3131% | 1,447 |
| Tier 1 risk-based capital ratio | 21.6442% | 1,303 |
| Total risk-based capital ratio | 22.6770% | 1,316 |
| Memoranda: | ||
| Average total assets | $55,029,670 | 6,295 |
| Average earning assets | $48,643,000 | 6,349 |
| Average equity | $7,164,330 | 5,876 |
| Average total loans | $25,824,670 | 6,492 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1170% | 6,475 |
| Cost of funding earning assets | 0.8234% | 5,443 |
| Net interest margin | 3.2936% | 5,802 |
| Noninterest income to average assets | 0.5293% | 3,659 |
| Noninterest expense to average assets | 2.0809% | 6,678 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.3486% | 1,157 |
| Return on assets (ROA) | 1.3486% | 1,208 |
| Pretax return on assets | 1.3486% | 1,888 |
| Return on Equity (ROE) | 10.3969% | 1,957 |
| Retained earnings to average equity (ytd only) | -23.4768% | 7,216 |
| Net charge-offs to loans | -0.0154% | 6,491 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.6765% | 5,880 |
| Assets per employee ($millions) | 4.0196% | 3,797 |
| Cash dividends to net income (ytd only)* | 325.8065% | 80 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2942% | 5,162 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 43.6410% | 6,497 |
| Net loans and leases to deposits | 49.9725% | 6,627 |
| Net loans and leases to core deposits | 53.9545% | 6,561 |
| Total domestic deposits to total assets | 87.3301% | 2,748 |
| Equity capital to assets | 12.3714% | 1,700 |
| Core capital (leverage) ratio | 11.8660% | 1,641 |
| Tier 1 risk-based capital ratio | 21.3658% | 1,333 |
| Total risk-based capital ratio | 22.3918% | 1,339 |
| Memoranda: | ||
| Average total assets | $55,168,500 | 6,338 |
| Average earning assets | $48,578,500 | 6,394 |
| Average equity | $7,156,000 | 5,880 |
| Average total loans | $25,925,500 | 6,532 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3765% | 6,659 |
| Cost of funding earning assets | 0.9499% | 5,938 |
| Net interest margin | 3.4267% | 5,521 |
| Noninterest income to average assets | 0.5111% | 4,087 |
| Noninterest expense to average assets | 2.2290% | 6,545 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 1.3169% | 1,129 |
| Return on assets (ROA) | 1.4418% | 936 |
| Pretax return on assets | 1.4418% | 1,533 |
| Return on Equity (ROE) | 10.9621% | 1,602 |
| Retained earnings to average equity (ytd only) | 7.9840% | 979 |
| Net charge-offs to loans | -0.2306% | 7,552 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8617% | 5,542 |
| Assets per employee ($millions) | 3.8616% | 4,107 |
| Cash dividends to net income (ytd only)* | 27.1669% | 3,173 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1902% | 5,569 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 49.2934% | 6,245 |
| Net loans and leases to deposits | 58.8525% | 6,171 |
| Net loans and leases to core deposits | 63.5605% | 6,095 |
| Total domestic deposits to total assets | 83.7575% | 4,476 |
| Equity capital to assets | 13.5955% | 1,154 |
| Core capital (leverage) ratio | 13.0490% | 1,113 |
| Tier 1 risk-based capital ratio | 21.4783% | 1,250 |
| Total risk-based capital ratio | 22.4460% | 1,267 |
| Memoranda: | ||
| Average total assets | $53,611,800 | 6,415 |
| Average earning assets | $47,480,400 | 6,455 |
| Average equity | $7,051,600 | 6,015 |
| Average total loans | $25,151,800 | 6,665 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4028% | 6,813 |
| Cost of funding earning assets | 0.9675% | 6,091 |
| Net interest margin | 3.4353% | 5,550 |
| Noninterest income to average assets | 0.5084% | 4,113 |
| Noninterest expense to average assets | 2.0984% | 6,850 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.4629% | 993 |
| Return on assets (ROA) | 1.6448% | 747 |
| Pretax return on assets | 1.6448% | 1,226 |
| Return on Equity (ROE) | 12.6126% | 1,358 |
| Retained earnings to average equity (ytd only) | 8.5995% | 1,206 |
| Net charge-offs to loans | -0.3131% | 7,648 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.9223% | 6,117 |
| Assets per employee ($millions) | 4.0009% | 3,834 |
| Cash dividends to net income (ytd only)* | 31.8178% | 2,457 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2570% | 5,186 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 48.4811% | 6,475 |
| Net loans and leases to deposits | 56.6512% | 6,572 |
| Net loans and leases to core deposits | 61.2589% | 6,521 |
| Total domestic deposits to total assets | 85.5783% | 3,306 |
| Equity capital to assets | 14.1487% | 1,121 |
| Core capital (leverage) ratio | 12.7379% | 1,319 |
| Tier 1 risk-based capital ratio | 21.9056% | 1,222 |
| Total risk-based capital ratio | 22.9130% | 1,239 |
| Memoranda: | ||
| Average total assets | $53,499,250 | 6,493 |
| Average earning assets | $47,544,000 | 6,528 |
| Average equity | $6,977,000 | 6,123 |
| Average total loans | $24,697,250 | 6,782 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3116% | 7,032 |
| Cost of funding earning assets | 0.9756% | 6,257 |
| Net interest margin | 3.3360% | 5,884 |
| Noninterest income to average assets | 0.5000% | 4,120 |
| Noninterest expense to average assets | 2.0224% | 7,069 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.4668% | 965 |
| Return on assets (ROA) | 2.0409% | 339 |
| Pretax return on assets | 2.0409% | 559 |
| Return on Equity (ROE) | 16.0884% | 683 |
| Retained earnings to average equity (ytd only) | 9.9567% | 854 |
| Net charge-offs to loans | 0.2375% | 4,180 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 13.6552% | 1,574 |
| Efficiency ratio | 57.9618% | 6,382 |
| Assets per employee ($millions) | 4.5813% | 2,751 |
| Cash dividends to net income (ytd only)* | 38.1125% | 2,167 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9035% | 6,748 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 46.6867% | 6,729 |
| Net loans and leases to deposits | 57.2301% | 6,642 |
| Net loans and leases to core deposits | 61.8130% | 6,568 |
| Total domestic deposits to total assets | 81.5771% | 5,166 |
| Equity capital to assets | 12.9786% | 1,581 |
| Core capital (leverage) ratio | 12.3553% | 1,469 |
| Tier 1 risk-based capital ratio | 20.6550% | 1,398 |
| Total risk-based capital ratio | 21.3673% | 1,464 |
| Memoranda: | ||
| Average total assets | $53,995,000 | 6,518 |
| Average earning assets | $48,380,670 | 6,536 |
| Average equity | $6,849,670 | 6,189 |
| Average total loans | $24,417,330 | 6,836 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3264% | 7,089 |
| Cost of funding earning assets | 0.9882% | 6,428 |
| Net interest margin | 3.3382% | 5,825 |
| Noninterest income to average assets | 0.5009% | 4,042 |
| Noninterest expense to average assets | 2.0110% | 7,139 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.4952% | 900 |
| Return on assets (ROA) | 1.5027% | 960 |
| Pretax return on assets | 1.5027% | 1,506 |
| Return on Equity (ROE) | 11.9875% | 1,505 |
| Retained earnings to average equity (ytd only) | -0.5368% | 5,957 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.3561% | 6,585 |
| Assets per employee ($millions) | 4.5858% | 2,828 |
| Cash dividends to net income (ytd only)* | 104.4776% | 546 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1526% | 5,758 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 40.9857% | 7,184 |
| Net loans and leases to deposits | 46.7945% | 7,291 |
| Net loans and leases to core deposits | 50.2563% | 7,274 |
| Total domestic deposits to total assets | 87.5865% | 2,307 |
| Equity capital to assets | 12.2045% | 1,930 |
| Core capital (leverage) ratio | 11.4182% | 1,960 |
| Tier 1 risk-based capital ratio | 20.9716% | 1,343 |
| Total risk-based capital ratio | 21.8407% | 1,382 |
| Memoranda: | ||
| Average total assets | $53,505,000 | 6,621 |
| Average earning assets | $48,169,500 | 6,621 |
| Average equity | $6,707,000 | 6,284 |
| Average total loans | $23,676,000 | 6,964 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7458% | 7,061 |
| Cost of funding earning assets | 1.1515% | 6,818 |
| Net interest margin | 3.5943% | 4,569 |
| Noninterest income to average assets | 0.4996% | 4,417 |
| Noninterest expense to average assets | 2.4025% | 6,462 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 1.2794% | 1,074 |
| Return on assets (ROA) | 1.4216% | 868 |
| Pretax return on assets | 1.4216% | 1,380 |
| Return on Equity (ROE) | 10.7267% | 1,496 |
| Retained earnings to average equity (ytd only) | 7.0489% | 947 |
| Net charge-offs to loans | -0.0794% | 7,872 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2510% | 5,544 |
| Assets per employee ($millions) | 3.9985% | 3,821 |
| Cash dividends to net income (ytd only)* | 34.2857% | 3,152 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0719% | 6,031 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 46.6940% | 6,921 |
| Net loans and leases to deposits | 54.1061% | 7,043 |
| Net loans and leases to core deposits | 70.2742% | 6,757 |
| Total domestic deposits to total assets | 86.3008% | 2,871 |
| Equity capital to assets | 12.8855% | 1,553 |
| Core capital (leverage) ratio | 12.2925% | 1,532 |
| Tier 1 risk-based capital ratio | 20.4539% | 1,379 |
| Total risk-based capital ratio | 21.3005% | 1,415 |
| Memoranda: | ||
| Average total assets | $49,240,800 | 6,740 |
| Average earning assets | $43,596,200 | 6,779 |
| Average equity | $6,525,800 | 6,413 |
| Average total loans | $22,676,400 | 7,044 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8105% | 7,103 |
| Cost of funding earning assets | 1.2018% | 6,880 |
| Net interest margin | 3.6086% | 4,448 |
| Noninterest income to average assets | 0.4970% | 4,507 |
| Noninterest expense to average assets | 2.3478% | 6,563 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.3235% | 1,170 |
| Return on assets (ROA) | 1.5157% | 840 |
| Pretax return on assets | 1.5157% | 1,366 |
| Return on Equity (ROE) | 11.3529% | 1,526 |
| Retained earnings to average equity (ytd only) | 6.4169% | 1,753 |
| Net charge-offs to loans | -0.1140% | 7,930 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9491% | 5,765 |
| Assets per employee ($millions) | 3.5027% | 4,921 |
| Cash dividends to net income (ytd only)* | 43.4781% | 2,291 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1634% | 5,335 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 45.7380% | 7,127 |
| Net loans and leases to deposits | 53.1468% | 7,250 |
| Net loans and leases to core deposits | 84.3164% | 6,019 |
| Total domestic deposits to total assets | 86.0598% | 2,677 |
| Equity capital to assets | 13.5874% | 1,458 |
| Core capital (leverage) ratio | 13.1201% | 1,346 |
| Tier 1 risk-based capital ratio | 21.3718% | 1,314 |
| Total risk-based capital ratio | 22.2808% | 1,346 |
| Memoranda: | ||
| Average total assets | $48,555,750 | 6,823 |
| Average earning assets | $42,711,000 | 6,880 |
| Average equity | $6,482,750 | 6,491 |
| Average total loans | $22,211,750 | 7,140 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8816% | 7,075 |
| Cost of funding earning assets | 1.2700% | 6,900 |
| Net interest margin | 3.6116% | 4,318 |
| Noninterest income to average assets | 0.4794% | 4,633 |
| Noninterest expense to average assets | 2.3928% | 6,489 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.2481% | 1,365 |
| Return on assets (ROA) | 1.5373% | 829 |
| Pretax return on assets | 1.5373% | 1,356 |
| Return on Equity (ROE) | 11.5840% | 1,538 |
| Retained earnings to average equity (ytd only) | 11.5840% | 492 |
| Net charge-offs to loans | 0.1633% | 4,575 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 16.7778% | 1,519 |
| Efficiency ratio | 65.7208% | 5,594 |
| Assets per employee ($millions) | 3.3205% | 5,258 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0118% | 6,141 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 47.7746% | 7,053 |
| Net loans and leases to deposits | 55.8394% | 7,177 |
| Net loans and leases to core deposits | 83.6182% | 6,115 |
| Total domestic deposits to total assets | 85.5573% | 2,992 |
| Equity capital to assets | 13.9867% | 1,315 |
| Core capital (leverage) ratio | 12.9388% | 1,453 |
| Tier 1 risk-based capital ratio | 21.4710% | 1,328 |
| Total risk-based capital ratio | 22.2512% | 1,366 |
| Memoranda: | ||
| Average total assets | $48,395,000 | 6,889 |
| Average earning assets | $42,363,000 | 6,955 |
| Average equity | $6,422,670 | 6,563 |
| Average total loans | $22,051,330 | 7,212 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8987% | 7,180 |
| Cost of funding earning assets | 1.3182% | 6,966 |
| Net interest margin | 3.5806% | 4,407 |
| Noninterest income to average assets | 0.4539% | 4,732 |
| Noninterest expense to average assets | 2.1804% | 6,920 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.3779% | 1,187 |
| Return on assets (ROA) | 1.3779% | 1,278 |
| Pretax return on assets | 1.3779% | 2,032 |
| Return on Equity (ROE) | 10.6533% | 2,086 |
| Retained earnings to average equity (ytd only) | 10.6533% | 1,049 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.2756% | 6,203 |
| Assets per employee ($millions) | 3.5898% | 4,589 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1608% | 5,044 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 41.5106% | 7,494 |
| Net loans and leases to deposits | 47.8333% | 7,582 |
| Net loans and leases to core deposits | 70.2235% | 7,007 |
| Total domestic deposits to total assets | 86.7819% | 2,320 |
| Equity capital to assets | 12.9017% | 1,791 |
| Core capital (leverage) ratio | 11.7569% | 2,019 |
| Tier 1 risk-based capital ratio | 20.1608% | 1,596 |
| Total risk-based capital ratio | 20.9783% | 1,624 |
| Memoranda: | ||
| Average total assets | $49,349,000 | 6,895 |
| Average earning assets | $42,786,500 | 6,987 |
| Average equity | $6,383,000 | 6,624 |
| Average total loans | $21,859,000 | 7,256 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5654% | 7,164 |
| Cost of funding earning assets | 1.9457% | 6,591 |
| Net interest margin | 3.6197% | 4,788 |
| Noninterest income to average assets | 0.4804% | 4,793 |
| Noninterest expense to average assets | 2.4378% | 6,266 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.3141% | 1,448 |
| Return on assets (ROA) | 1.3205% | 1,379 |
| Pretax return on assets | 1.3205% | 2,241 |
| Return on Equity (ROE) | 10.1619% | 2,199 |
| Retained earnings to average equity (ytd only) | 1.1237% | 4,559 |
| Net charge-offs to loans | -0.1304% | 8,120 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9746% | 5,332 |
| Assets per employee ($millions) | 3.2294% | 5,401 |
| Cash dividends to net income (ytd only)* | 88.9423% | 1,335 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0835% | 5,388 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 46.1716% | 7,316 |
| Net loans and leases to deposits | 53.2879% | 7,472 |
| Net loans and leases to core deposits | 80.4243% | 6,583 |
| Total domestic deposits to total assets | 86.6456% | 2,113 |
| Equity capital to assets | 12.9684% | 1,804 |
| Core capital (leverage) ratio | 12.3179% | 1,825 |
| Tier 1 risk-based capital ratio | 19.0769% | 1,797 |
| Total risk-based capital ratio | 19.8699% | 1,841 |
| Memoranda: | ||
| Average total assets | $47,256,200 | 6,891 |
| Average earning assets | $42,710,200 | 6,913 |
| Average equity | $6,140,600 | 6,755 |
| Average total loans | $22,246,800 | 7,181 |