Home > Logan State Bank > Performance and Condition Ratios
Logan State Bank, Performance and Condition Ratios
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0670% | 1,197 |
| Cost of funding earning assets | 2.0363% | 2,137 |
| Net interest margin | 4.0307% | 1,142 |
| Noninterest income to average assets | 0.2600% | 3,313 |
| Noninterest expense to average assets | 2.8268% | 1,451 |
| Loan and lease loss provision to assets | 0.0400% | 2,355 |
| Net operating income to assets | 1.1188% | 1,694 |
| Return on assets (ROA) | 1.1176% | 1,702 |
| Pretax return on assets | 1.1708% | 2,060 |
| Return on Equity (ROE) | 12.6100% | 1,457 |
| Retained earnings to average equity (ytd only) | 6.0339% | 1,814 |
| Net charge-offs to loans | 0.0238% | 2,105 |
| Credit loss provision to net charge-offs | 182.3529% | 1,217 |
| Earnings coverage of net charge-offs (x) | 56.2353% | 1,143 |
| Efficiency ratio | 70.0031% | 1,992 |
| Assets per employee ($millions) | 6.2468% | 2,694 |
| Cash dividends to net income (ytd only)* | 52.1542% | 1,531 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8388% | 3,791 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,770 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,816 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 91.7100% | 15 |
| Net loans and leases to deposits | 101.2287% | 434 |
| Net loans and leases to core deposits | 114.0436% | 782 |
| Total domestic deposits to total assets | 90.6000% | 638 |
| Equity capital to assets | 8.8760% | 2,920 |
| Core capital (leverage) ratio | 8.9580% | 3,762 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9249% | 2,248 |
| Memoranda: | ||
| Average total assets | $78,922,200 | 3,963 |
| Average earning assets | $74,006,800 | 3,939 |
| Average equity | $6,993,800 | 4,052 |
| Average total loans | $71,317,200 | 3,546 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0273% | 1,217 |
| Cost of funding earning assets | 1.9970% | 2,219 |
| Net interest margin | 4.0303% | 1,100 |
| Noninterest income to average assets | 0.2600% | 3,292 |
| Noninterest expense to average assets | 2.8589% | 1,355 |
| Loan and lease loss provision to assets | 0.0200% | 2,606 |
| Net operating income to assets | 1.1009% | 1,757 |
| Return on assets (ROA) | 1.0993% | 1,769 |
| Pretax return on assets | 1.1555% | 2,106 |
| Return on Equity (ROE) | 12.4100% | 1,510 |
| Retained earnings to average equity (ytd only) | 5.4944% | 2,270 |
| Net charge-offs to loans | 0.0322% | 1,681 |
| Credit loss provision to net charge-offs | 76.4706% | 1,878 |
| Earnings coverage of net charge-offs (x) | 40.7647% | 1,328 |
| Efficiency ratio | 70.7965% | 1,930 |
| Assets per employee ($millions) | 6.1022% | 2,785 |
| Cash dividends to net income (ytd only)* | 55.7276% | 1,156 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8464% | 3,813 |
| Loan loss allowance to noncurrent loans | 98.3923% | 3,032 |
| Noncurrent assets plus other real estate owned to assets | 0.7841% | 892 |
| Noncurrent loans to loans | 0.8602% | 1,168 |
| Net loans and leases to total assets | 90.3800% | 25 |
| Net loans and leases to deposits | 100.1565% | 478 |
| Net loans and leases to core deposits | 113.1010% | 824 |
| Total domestic deposits to total assets | 90.2400% | 524 |
| Equity capital to assets | 8.9288% | 3,087 |
| Core capital (leverage) ratio | 9.0121% | 3,739 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6431% | 2,365 |
| Memoranda: | ||
| Average total assets | $78,350,750 | 3,986 |
| Average earning assets | $73,376,000 | 3,965 |
| Average equity | $6,940,250 | 4,074 |
| Average total loans | $70,370,250 | 3,567 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9391% | 1,251 |
| Cost of funding earning assets | 1.9172% | 2,310 |
| Net interest margin | 4.0219% | 1,084 |
| Noninterest income to average assets | 0.2600% | 3,278 |
| Noninterest expense to average assets | 2.7837% | 1,497 |
| Loan and lease loss provision to assets | 0.0300% | 2,286 |
| Net operating income to assets | 1.1813% | 1,519 |
| Return on assets (ROA) | 1.1740% | 1,536 |
| Pretax return on assets | 1.2304% | 1,867 |
| Return on Equity (ROE) | 13.2900% | 1,302 |
| Retained earnings to average equity (ytd only) | 7.1961% | 1,595 |
| Net charge-offs to loans | -0.0029% | 3,689 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 68.7777% | 2,241 |
| Assets per employee ($millions) | 5.9606% | 2,832 |
| Cash dividends to net income (ytd only)* | 45.8515% | 1,609 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8917% | 3,722 |
| Loan loss allowance to noncurrent loans | 163.7076% | 2,548 |
| Noncurrent assets plus other real estate owned to assets | 0.4943% | 1,352 |
| Noncurrent loans to loans | 0.5447% | 1,648 |
| Net loans and leases to total assets | 89.9300% | 37 |
| Net loans and leases to deposits | 99.4861% | 572 |
| Net loans and leases to core deposits | 113.7691% | 833 |
| Total domestic deposits to total assets | 90.4000% | 603 |
| Equity capital to assets | 9.0724% | 2,686 |
| Core capital (leverage) ratio | 8.9284% | 3,789 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1378% | 2,202 |
| Memoranda: | ||
| Average total assets | $78,025,000 | 4,006 |
| Average earning assets | $73,546,667 | 3,977 |
| Average equity | $6,892,667 | 4,078 |
| Average total loans | $69,724,000 | 3,583 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8087% | 1,299 |
| Cost of funding earning assets | 1.7752% | 2,566 |
| Net interest margin | 4.0335% | 1,042 |
| Noninterest income to average assets | 0.2400% | 3,362 |
| Noninterest expense to average assets | 2.7895% | 1,493 |
| Loan and lease loss provision to assets | 0.0200% | 2,205 |
| Net operating income to assets | 1.1700% | 1,512 |
| Return on assets (ROA) | 1.1700% | 1,521 |
| Pretax return on assets | 1.2262% | 1,827 |
| Return on Equity (ROE) | 13.4200% | 1,256 |
| Retained earnings to average equity (ytd only) | 4.0445% | 2,700 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 69.2015% | 2,244 |
| Assets per employee ($millions) | 6.6918% | 2,294 |
| Cash dividends to net income (ytd only)* | 69.8690% | 892 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8887% | 3,740 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,825 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,894 |
| Noncurrent loans to loans | 0.0000% | 3,844 |
| Net loans and leases to total assets | 85.9600% | 163 |
| Net loans and leases to deposits | 94.4517% | 833 |
| Net loans and leases to core deposits | 105.8320% | 1,115 |
| Total domestic deposits to total assets | 91.0100% | 524 |
| Equity capital to assets | 8.5391% | 2,997 |
| Core capital (leverage) ratio | 8.7777% | 3,888 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7746% | 2,324 |
| Memoranda: | ||
| Average total assets | $78,293,500 | 4,026 |
| Average earning assets | $73,682,000 | 4,001 |
| Average equity | $6,824,000 | 4,108 |
| Average total loans | $69,429,000 | 3,589 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3870% | 1,335 |
| Cost of funding earning assets | 1.0936% | 3,085 |
| Net interest margin | 4.2934% | 822 |
| Noninterest income to average assets | 0.3200% | 2,981 |
| Noninterest expense to average assets | 2.8189% | 1,458 |
| Loan and lease loss provision to assets | 0.1200% | 1,068 |
| Net operating income to assets | 1.3340% | 1,359 |
| Return on assets (ROA) | 1.3416% | 1,315 |
| Pretax return on assets | 1.4081% | 1,615 |
| Return on Equity (ROE) | 15.5900% | 1,177 |
| Retained earnings to average equity (ytd only) | 8.6287% | 1,359 |
| Net charge-offs to loans | 0.0091% | 2,318 |
| Credit loss provision to net charge-offs | 1,533.3333% | 284 |
| Earnings coverage of net charge-offs (x) | 190.6667% | 605 |
| Efficiency ratio | 64.9295% | 2,493 |
| Assets per employee ($millions) | 5.8682% | 2,932 |
| Cash dividends to net income (ytd only)* | 44.6429% | 1,874 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8901% | 3,745 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 89.9200% | 36 |
| Net loans and leases to deposits | 99.1744% | 582 |
| Net loans and leases to core deposits | 110.4522% | 943 |
| Total domestic deposits to total assets | 90.6600% | 588 |
| Equity capital to assets | 8.9020% | 2,745 |
| Core capital (leverage) ratio | 9.0303% | 3,724 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1424% | 2,195 |
| Memoranda: | ||
| Average total assets | $75,135,800 | 4,061 |
| Average earning assets | $70,410,400 | 4,034 |
| Average equity | $6,466,800 | 4,119 |
| Average total loans | $65,768,800 | 3,612 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2515% | 1,359 |
| Cost of funding earning assets | 0.9937% | 3,058 |
| Net interest margin | 4.2578% | 852 |
| Noninterest income to average assets | 0.3300% | 2,912 |
| Noninterest expense to average assets | 2.8786% | 1,269 |
| Loan and lease loss provision to assets | 0.1100% | 1,081 |
| Net operating income to assets | 1.2828% | 1,583 |
| Return on assets (ROA) | 1.2879% | 1,557 |
| Pretax return on assets | 1.3467% | 1,908 |
| Return on Equity (ROE) | 15.1000% | 1,426 |
| Retained earnings to average equity (ytd only) | 7.7880% | 2,042 |
| Net charge-offs to loans | 0.0021% | 2,493 |
| Credit loss provision to net charge-offs | 5,900.0000% | 94 |
| Earnings coverage of net charge-offs (x) | 812.0000% | 195 |
| Efficiency ratio | 66.5568% | 2,214 |
| Assets per employee ($millions) | 5.7981% | 2,931 |
| Cash dividends to net income (ytd only)* | 48.4094% | 1,318 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8489% | 3,874 |
| Loan loss allowance to noncurrent loans | 1,031.5789% | 859 |
| Noncurrent assets plus other real estate owned to assets | 0.0756% | 3,094 |
| Noncurrent loans to loans | 0.0823% | 3,175 |
| Net loans and leases to total assets | 91.1200% | 26 |
| Net loans and leases to deposits | 102.4433% | 415 |
| Net loans and leases to core deposits | 113.4555% | 754 |
| Total domestic deposits to total assets | 88.9400% | 1,277 |
| Equity capital to assets | 8.7138% | 2,593 |
| Core capital (leverage) ratio | 8.9339% | 3,836 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9565% | 2,283 |
| Memoranda: | ||
| Average total assets | $74,848,250 | 4,082 |
| Average earning assets | $70,175,500 | 4,056 |
| Average equity | $6,385,750 | 4,130 |
| Average total loans | $64,908,750 | 3,637 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0310% | 1,512 |
| Cost of funding earning assets | 0.9168% | 2,871 |
| Net interest margin | 4.1142% | 1,064 |
| Noninterest income to average assets | 0.3600% | 2,698 |
| Noninterest expense to average assets | 2.7560% | 1,509 |
| Loan and lease loss provision to assets | 0.0700% | 1,542 |
| Net operating income to assets | 1.3422% | 1,469 |
| Return on assets (ROA) | 1.3499% | 1,439 |
| Pretax return on assets | 1.4088% | 1,792 |
| Return on Equity (ROE) | 15.9400% | 1,276 |
| Retained earnings to average equity (ytd only) | 9.6126% | 1,510 |
| Net charge-offs to loans | 0.0032% | 2,216 |
| Credit loss provision to net charge-offs | 2,600.0000% | 209 |
| Earnings coverage of net charge-offs (x) | 549.0000% | 266 |
| Efficiency ratio | 65.2091% | 2,347 |
| Assets per employee ($millions) | 6.0817% | 2,646 |
| Cash dividends to net income (ytd only)* | 39.6825% | 1,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8375% | 3,932 |
| Loan loss allowance to noncurrent loans | 18,500.0000% | 94 |
| Noncurrent assets plus other real estate owned to assets | 0.0041% | 3,841 |
| Noncurrent loans to loans | 0.0045% | 3,780 |
| Net loans and leases to total assets | 90.0500% | 36 |
| Net loans and leases to deposits | 99.3124% | 552 |
| Net loans and leases to core deposits | 109.5010% | 846 |
| Total domestic deposits to total assets | 90.6700% | 737 |
| Equity capital to assets | 8.9463% | 2,551 |
| Core capital (leverage) ratio | 8.9773% | 3,786 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2268% | 2,208 |
| Memoranda: | ||
| Average total assets | $74,672,667 | 4,104 |
| Average earning assets | $70,244,000 | 4,076 |
| Average equity | $6,325,000 | 4,158 |
| Average total loans | $63,456,333 | 3,665 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6139% | 2,053 |
| Cost of funding earning assets | 0.8430% | 2,558 |
| Net interest margin | 3.7709% | 1,749 |
| Noninterest income to average assets | 0.2400% | 3,496 |
| Noninterest expense to average assets | 2.5901% | 1,981 |
| Loan and lease loss provision to assets | 0.0200% | 2,260 |
| Net operating income to assets | 1.1287% | 2,130 |
| Return on assets (ROA) | 1.1388% | 2,071 |
| Pretax return on assets | 1.1970% | 2,428 |
| Return on Equity (ROE) | 13.8200% | 1,811 |
| Retained earnings to average equity (ytd only) | 4.1780% | 3,219 |
| Net charge-offs to loans | 0.0064% | 1,715 |
| Credit loss provision to net charge-offs | 300.0000% | 691 |
| Earnings coverage of net charge-offs (x) | 227.0000% | 470 |
| Efficiency ratio | 68.2961% | 1,940 |
| Assets per employee ($millions) | 6.2329% | 2,552 |
| Cash dividends to net income (ytd only)* | 69.7674% | 791 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8412% | 4,006 |
| Loan loss allowance to noncurrent loans | 4,836.3636% | 309 |
| Noncurrent assets plus other real estate owned to assets | 0.0147% | 3,699 |
| Noncurrent loans to loans | 0.0174% | 3,670 |
| Net loans and leases to total assets | 83.8400% | 247 |
| Net loans and leases to deposits | 91.8531% | 926 |
| Net loans and leases to core deposits | 99.6757% | 1,101 |
| Total domestic deposits to total assets | 91.2800% | 712 |
| Equity capital to assets | 8.4217% | 2,952 |
| Core capital (leverage) ratio | 8.3598% | 4,238 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4564% | 2,196 |
| Memoranda: | ||
| Average total assets | $75,519,000 | 4,152 |
| Average earning assets | $71,176,000 | 4,121 |
| Average equity | $6,223,000 | 4,219 |
| Average total loans | $62,048,500 | 3,728 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9722% | 1,787 |
| Cost of funding earning assets | 0.4094% | 2,014 |
| Net interest margin | 3.5628% | 1,750 |
| Noninterest income to average assets | 0.2900% | 3,396 |
| Noninterest expense to average assets | 2.4177% | 2,369 |
| Loan and lease loss provision to assets | 0.0200% | 2,518 |
| Net operating income to assets | 1.1557% | 1,944 |
| Return on assets (ROA) | 1.1533% | 1,899 |
| Pretax return on assets | 1.2107% | 2,402 |
| Return on Equity (ROE) | 15.2300% | 1,206 |
| Retained earnings to average equity (ytd only) | 7.0496% | 2,221 |
| Net charge-offs to loans | 0.0070% | 2,142 |
| Credit loss provision to net charge-offs | 300.0000% | 912 |
| Earnings coverage of net charge-offs (x) | 240.5000% | 562 |
| Efficiency ratio | 66.3047% | 2,187 |
| Assets per employee ($millions) | 6.3536% | 2,460 |
| Cash dividends to net income (ytd only)* | 53.7099% | 1,229 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8709% | 3,867 |
| Loan loss allowance to noncurrent loans | 26,500.0000% | 65 |
| Noncurrent assets plus other real estate owned to assets | 0.0026% | 3,918 |
| Noncurrent loans to loans | 0.0033% | 3,859 |
| Net loans and leases to total assets | 79.1200% | 683 |
| Net loans and leases to deposits | 92.7108% | 870 |
| Net loans and leases to core deposits | 100.5819% | 972 |
| Total domestic deposits to total assets | 85.3400% | 2,899 |
| Equity capital to assets | 8.0624% | 3,027 |
| Core capital (leverage) ratio | 8.1869% | 4,316 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2553% | 2,262 |
| Memoranda: | ||
| Average total assets | $78,298,800 | 4,148 |
| Average earning assets | $73,762,800 | 4,113 |
| Average equity | $5,929,400 | 4,336 |
| Average total loans | $56,970,800 | 3,790 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7728% | 1,829 |
| Cost of funding earning assets | 0.3662% | 1,555 |
| Net interest margin | 3.4067% | 1,952 |
| Noninterest income to average assets | 0.3000% | 3,360 |
| Noninterest expense to average assets | 2.3160% | 2,586 |
| Loan and lease loss provision to assets | 0.0200% | 2,326 |
| Net operating income to assets | 1.1333% | 1,962 |
| Return on assets (ROA) | 1.1301% | 1,938 |
| Pretax return on assets | 1.1808% | 2,441 |
| Return on Equity (ROE) | 15.1600% | 1,138 |
| Retained earnings to average equity (ytd only) | 7.1034% | 2,328 |
| Net charge-offs to loans | 0.0095% | 1,772 |
| Credit loss provision to net charge-offs | 225.0000% | 929 |
| Earnings coverage of net charge-offs (x) | 177.2500% | 670 |
| Efficiency ratio | 65.8807% | 2,294 |
| Assets per employee ($millions) | 6.3543% | 2,441 |
| Cash dividends to net income (ytd only)* | 53.1437% | 1,074 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9185% | 3,802 |
| Loan loss allowance to noncurrent loans | 7,528.5714% | 187 |
| Noncurrent assets plus other real estate owned to assets | 0.0092% | 3,904 |
| Noncurrent loans to loans | 0.0122% | 3,851 |
| Net loans and leases to total assets | 74.5600% | 1,053 |
| Net loans and leases to deposits | 81.1227% | 1,514 |
| Net loans and leases to core deposits | 87.7504% | 1,427 |
| Total domestic deposits to total assets | 91.9000% | 914 |
| Equity capital to assets | 7.8385% | 2,995 |
| Core capital (leverage) ratio | 7.8214% | 4,476 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1815% | 1,981 |
| Memoranda: | ||
| Average total assets | $78,812,750 | 4,173 |
| Average earning assets | $74,283,500 | 4,136 |
| Average equity | $5,875,000 | 4,382 |
| Average total loans | $55,999,500 | 3,822 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5283% | 2,046 |
| Cost of funding earning assets | 0.3592% | 1,197 |
| Net interest margin | 3.1691% | 2,292 |
| Noninterest income to average assets | 0.2962% | 3,389 |
| Noninterest expense to average assets | 2.2946% | 2,568 |
| Loan and lease loss provision to assets | 0.0151% | 2,329 |
| Net operating income to assets | 0.9260% | 2,464 |
| Return on assets (ROA) | 0.9188% | 2,465 |
| Pretax return on assets | 0.9690% | 2,834 |
| Return on Equity (ROE) | 12.5321% | 1,515 |
| Retained earnings to average equity (ytd only) | 5.6840% | 2,444 |
| Net charge-offs to loans | 0.0144% | 1,478 |
| Credit loss provision to net charge-offs | 150.0000% | 1,085 |
| Earnings coverage of net charge-offs (x) | 98.7500% | 821 |
| Efficiency ratio | 69.8243% | 1,986 |
| Assets per employee ($millions) | 6.6593% | 2,200 |
| Cash dividends to net income (ytd only)* | 54.6448% | 1,214 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9425% | 3,827 |
| Loan loss allowance to noncurrent loans | 2,495.2381% | 453 |
| Noncurrent assets plus other real estate owned to assets | 0.0263% | 3,724 |
| Noncurrent loans to loans | 0.0378% | 3,665 |
| Net loans and leases to total assets | 68.9204% | 1,405 |
| Net loans and leases to deposits | 74.5667% | 1,798 |
| Net loans and leases to core deposits | 80.3170% | 1,694 |
| Total domestic deposits to total assets | 92.4278% | 684 |
| Equity capital to assets | 7.3544% | 3,560 |
| Core capital (leverage) ratio | 7.3665% | 4,603 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4860% | 1,871 |
| Memoranda: | ||
| Average total assets | $79,666,333 | 4,208 |
| Average earning assets | $75,164,333 | 4,181 |
| Average equity | $5,841,000 | 4,434 |
| Average total loans | $55,540,333 | 3,871 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3626% | 2,201 |
| Cost of funding earning assets | 0.3630% | 1,110 |
| Net interest margin | 2.9997% | 2,505 |
| Noninterest income to average assets | 0.3168% | 3,201 |
| Noninterest expense to average assets | 2.2780% | 2,582 |
| Loan and lease loss provision to assets | 0.0151% | 2,079 |
| Net operating income to assets | 0.7996% | 2,659 |
| Return on assets (ROA) | 0.7996% | 2,651 |
| Pretax return on assets | 0.8498% | 2,942 |
| Return on Equity (ROE) | 10.9222% | 1,641 |
| Retained earnings to average equity (ytd only) | 0.6182% | 3,897 |
| Net charge-offs to loans | 0.0288% | 1,027 |
| Credit loss provision to net charge-offs | 75.0000% | 1,120 |
| Earnings coverage of net charge-offs (x) | 43.0000% | 981 |
| Efficiency ratio | 72.4800% | 1,919 |
| Assets per employee ($millions) | 6.7619% | 2,179 |
| Cash dividends to net income (ytd only)* | 94.3396% | 571 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9650% | 3,856 |
| Loan loss allowance to noncurrent loans | 2,084.0000% | 536 |
| Noncurrent assets plus other real estate owned to assets | 0.0308% | 3,727 |
| Noncurrent loans to loans | 0.0463% | 3,645 |
| Net loans and leases to total assets | 65.8960% | 1,421 |
| Net loans and leases to deposits | 71.1122% | 1,856 |
| Net loans and leases to core deposits | 76.9685% | 1,706 |
| Total domestic deposits to total assets | 92.6648% | 358 |
| Equity capital to assets | 7.1442% | 4,132 |
| Core capital (leverage) ratio | 7.2912% | 4,624 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3650% | 2,049 |
| Memoranda: | ||
| Average total assets | $79,544,000 | 4,228 |
| Average earning assets | $74,941,000 | 4,202 |
| Average equity | $5,823,000 | 4,485 |
| Average total loans | $55,511,000 | 3,877 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0458% | 250 |
| Cost of funding earning assets | 0.5340% | 775 |
| Net interest margin | 4.5118% | 267 |
| Noninterest income to average assets | 0.3125% | 3,532 |
| Noninterest expense to average assets | 2.8337% | 1,280 |
| Loan and lease loss provision to assets | 0.0355% | 2,344 |
| Net operating income to assets | 1.6260% | 747 |
| Return on assets (ROA) | 1.6322% | 776 |
| Pretax return on assets | 1.7215% | 1,089 |
| Return on Equity (ROE) | 22.1656% | 212 |
| Retained earnings to average equity (ytd only) | 10.6637% | 771 |
| Net charge-offs to loans | 0.0255% | 1,736 |
| Credit loss provision to net charge-offs | 180.0000% | 1,366 |
| Earnings coverage of net charge-offs (x) | 88.8667% | 937 |
| Efficiency ratio | 61.8161% | 2,897 |
| Assets per employee ($millions) | 7.0859% | 1,873 |
| Cash dividends to net income (ytd only)* | 51.8906% | 1,425 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9153% | 4,022 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 72.4986% | 804 |
| Net loans and leases to deposits | 78.5917% | 1,343 |
| Net loans and leases to core deposits | 87.0628% | 1,133 |
| Total domestic deposits to total assets | 92.2471% | 125 |
| Equity capital to assets | 7.5040% | 4,587 |
| Core capital (leverage) ratio | 7.6892% | 4,535 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6415% | 2,389 |
| Memoranda: | ||
| Average total assets | $76,154,400 | 4,265 |
| Average earning assets | $72,099,800 | 4,231 |
| Average equity | $5,607,800 | 4,570 |
| Average total loans | $58,831,800 | 3,836 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5212% | 145 |
| Cost of funding earning assets | 0.5721% | 735 |
| Net interest margin | 4.9491% | 168 |
| Noninterest income to average assets | 0.3082% | 3,586 |
| Noninterest expense to average assets | 2.9693% | 1,021 |
| Loan and lease loss provision to assets | 0.0198% | 2,605 |
| Net operating income to assets | 1.9182% | 538 |
| Return on assets (ROA) | 1.9249% | 555 |
| Pretax return on assets | 2.0042% | 794 |
| Return on Equity (ROE) | 26.2694% | 144 |
| Retained earnings to average equity (ytd only) | 13.8918% | 519 |
| Net charge-offs to loans | 0.0067% | 2,068 |
| Credit loss provision to net charge-offs | 366.6667% | 909 |
| Earnings coverage of net charge-offs (x) | 381.6667% | 367 |
| Efficiency ratio | 59.5549% | 3,058 |
| Assets per employee ($millions) | 6.1984% | 2,504 |
| Cash dividends to net income (ytd only)* | 47.1180% | 1,314 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9139% | 4,118 |
| Loan loss allowance to noncurrent loans | 5,180.0000% | 220 |
| Noncurrent assets plus other real estate owned to assets | 0.0134% | 4,131 |
| Noncurrent loans to loans | 0.0176% | 4,072 |
| Net loans and leases to total assets | 75.5072% | 583 |
| Net loans and leases to deposits | 82.1673% | 1,105 |
| Net loans and leases to core deposits | 91.5572% | 945 |
| Total domestic deposits to total assets | 91.8944% | 148 |
| Equity capital to assets | 7.8421% | 4,591 |
| Core capital (leverage) ratio | 7.5522% | 4,681 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2679% | 2,270 |
| Memoranda: | ||
| Average total assets | $75,706,750 | 4,324 |
| Average earning assets | $71,553,000 | 4,294 |
| Average equity | $5,547,500 | 4,643 |
| Average total loans | $59,282,000 | 3,880 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9965% | 346 |
| Cost of funding earning assets | 0.6131% | 701 |
| Net interest margin | 4.3834% | 422 |
| Noninterest income to average assets | 0.2915% | 3,682 |
| Noninterest expense to average assets | 2.3979% | 2,477 |
| Loan and lease loss provision to assets | 0.0210% | 2,550 |
| Net operating income to assets | 1.9439% | 541 |
| Return on assets (ROA) | 1.9514% | 553 |
| Pretax return on assets | 2.0302% | 793 |
| Return on Equity (ROE) | 27.2544% | 139 |
| Retained earnings to average equity (ytd only) | 15.6997% | 362 |
| Net charge-offs to loans | 0.0133% | 1,683 |
| Credit loss provision to net charge-offs | 200.0000% | 1,053 |
| Earnings coverage of net charge-offs (x) | 194.5000% | 503 |
| Efficiency ratio | 53.9917% | 3,808 |
| Assets per employee ($millions) | 6.0020% | 2,607 |
| Cash dividends to net income (ytd only)* | 42.3957% | 1,500 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8651% | 4,250 |
| Loan loss allowance to noncurrent loans | 340.3974% | 1,714 |
| Noncurrent assets plus other real estate owned to assets | 0.1935% | 2,987 |
| Noncurrent loans to loans | 0.2541% | 3,030 |
| Net loans and leases to total assets | 75.4928% | 638 |
| Net loans and leases to deposits | 82.1729% | 1,206 |
| Net loans and leases to core deposits | 92.3738% | 985 |
| Total domestic deposits to total assets | 91.8707% | 151 |
| Equity capital to assets | 7.2873% | 4,788 |
| Core capital (leverage) ratio | 7.3786% | 4,755 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7217% | 2,468 |
| Memoranda: | ||
| Average total assets | $76,148,667 | 4,347 |
| Average earning assets | $72,090,667 | 4,313 |
| Average equity | $5,452,333 | 4,681 |
| Average total loans | $60,149,000 | 3,896 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8160% | 480 |
| Cost of funding earning assets | 0.6824% | 585 |
| Net interest margin | 4.1336% | 687 |
| Noninterest income to average assets | 0.2819% | 3,710 |
| Noninterest expense to average assets | 2.4518% | 2,324 |
| Loan and lease loss provision to assets | 0.0266% | 2,435 |
| Net operating income to assets | 1.6227% | 1,076 |
| Return on assets (ROA) | 1.6328% | 1,107 |
| Pretax return on assets | 1.7125% | 1,462 |
| Return on Equity (ROE) | 23.0156% | 336 |
| Retained earnings to average equity (ytd only) | 11.3954% | 1,299 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.6514% | 3,211 |
| Assets per employee ($millions) | 5.7578% | 2,838 |
| Cash dividends to net income (ytd only)* | 50.4886% | 1,100 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8429% | 4,310 |
| Loan loss allowance to noncurrent loans | 17,166.6667% | 53 |
| Noncurrent assets plus other real estate owned to assets | 0.0040% | 4,373 |
| Noncurrent loans to loans | 0.0049% | 4,306 |
| Net loans and leases to total assets | 80.9330% | 285 |
| Net loans and leases to deposits | 87.9603% | 830 |
| Net loans and leases to core deposits | 99.3669% | 741 |
| Total domestic deposits to total assets | 92.0109% | 141 |
| Equity capital to assets | 7.2303% | 4,792 |
| Core capital (leverage) ratio | 7.0449% | 4,886 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0797% | 2,639 |
| Memoranda: | ||
| Average total assets | $75,210,000 | 4,376 |
| Average earning assets | $70,930,500 | 4,343 |
| Average equity | $5,335,500 | 4,712 |
| Average total loans | $60,514,500 | 3,911 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8979% | 600 |
| Cost of funding earning assets | 1.0913% | 411 |
| Net interest margin | 3.8067% | 1,481 |
| Noninterest income to average assets | 0.3472% | 3,384 |
| Noninterest expense to average assets | 2.6482% | 2,392 |
| Loan and lease loss provision to assets | 0.0647% | 3,568 |
| Net operating income to assets | 1.1385% | 1,771 |
| Return on assets (ROA) | 1.1372% | 1,900 |
| Pretax return on assets | 1.1976% | 2,332 |
| Return on Equity (ROE) | 16.1143% | 490 |
| Retained earnings to average equity (ytd only) | 8.5651% | 888 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6967% | 2,269 |
| Assets per employee ($millions) | 5.8129% | 2,533 |
| Cash dividends to net income (ytd only)* | 46.8480% | 2,019 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8509% | 4,321 |
| 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 | 78.6365% | 536 |
| Net loans and leases to deposits | 84.7812% | 1,383 |
| Net loans and leases to core deposits | 104.0154% | 723 |
| Total domestic deposits to total assets | 92.7522% | 22 |
| Equity capital to assets | 6.9593% | 4,919 |
| Core capital (leverage) ratio | 7.0603% | 4,924 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4913% | 2,804 |
| Memoranda: | ||
| Average total assets | $71,142,200 | 4,366 |
| Average earning assets | $66,619,800 | 4,344 |
| Average equity | $5,020,400 | 4,749 |
| Average total loans | $60,306,400 | 3,911 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8411% | 821 |
| Cost of funding earning assets | 1.1406% | 455 |
| Net interest margin | 3.7004% | 1,938 |
| Noninterest income to average assets | 0.3636% | 3,283 |
| Noninterest expense to average assets | 2.6995% | 2,255 |
| Loan and lease loss provision to assets | 0.0700% | 3,453 |
| Net operating income to assets | 1.0069% | 2,315 |
| Return on assets (ROA) | 1.0033% | 2,458 |
| Pretax return on assets | 1.0547% | 2,890 |
| Return on Equity (ROE) | 14.1642% | 850 |
| Retained earnings to average equity (ytd only) | 6.3698% | 1,935 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5122% | 1,818 |
| Assets per employee ($millions) | 5.9970% | 2,264 |
| Cash dividends to net income (ytd only)* | 55.0285% | 1,284 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7853% | 4,393 |
| 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 | 87.9579% | 80 |
| Net loans and leases to deposits | 95.1907% | 827 |
| Net loans and leases to core deposits | 117.6390% | 467 |
| Total domestic deposits to total assets | 92.4018% | 32 |
| Equity capital to assets | 7.0480% | 4,943 |
| Core capital (leverage) ratio | 7.0593% | 4,952 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2259% | 2,858 |
| Memoranda: | ||
| Average total assets | $70,035,750 | 4,393 |
| Average earning assets | $65,576,250 | 4,373 |
| Average equity | $4,960,750 | 4,784 |
| Average total loans | $60,399,500 | 3,931 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8555% | 1,045 |
| Cost of funding earning assets | 1.1969% | 509 |
| Net interest margin | 3.6585% | 2,298 |
| Noninterest income to average assets | 0.2853% | 3,751 |
| Noninterest expense to average assets | 2.5766% | 2,751 |
| Loan and lease loss provision to assets | 0.0519% | 3,657 |
| Net operating income to assets | 1.0315% | 2,215 |
| Return on assets (ROA) | 1.0260% | 2,360 |
| Pretax return on assets | 1.0779% | 2,783 |
| Return on Equity (ROE) | 14.4608% | 798 |
| Retained earnings to average equity (ytd only) | 8.7739% | 1,084 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4099% | 2,031 |
| Assets per employee ($millions) | 5.8421% | 2,327 |
| Cash dividends to net income (ytd only)* | 39.3258% | 1,967 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7592% | 4,441 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 89.8752% | 32 |
| Net loans and leases to deposits | 97.4481% | 698 |
| Net loans and leases to core deposits | 123.4826% | 352 |
| Total domestic deposits to total assets | 92.2288% | 39 |
| Equity capital to assets | 7.2063% | 4,939 |
| Core capital (leverage) ratio | 7.0684% | 5,004 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0017% | 2,970 |
| Memoranda: | ||
| Average total assets | $69,393,000 | 4,408 |
| Average earning assets | $64,998,667 | 4,391 |
| Average equity | $4,923,667 | 4,812 |
| Average total loans | $59,266,333 | 3,962 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8698% | 1,268 |
| Cost of funding earning assets | 1.2547% | 645 |
| Net interest margin | 3.6150% | 2,616 |
| Noninterest income to average assets | 0.2607% | 3,981 |
| Noninterest expense to average assets | 2.6942% | 2,720 |
| Loan and lease loss provision to assets | 0.0521% | 3,126 |
| Net operating income to assets | 0.8336% | 2,778 |
| Return on assets (ROA) | 0.8227% | 2,909 |
| Pretax return on assets | 0.8749% | 3,209 |
| Return on Equity (ROE) | 11.6884% | 1,200 |
| Retained earnings to average equity (ytd only) | 4.3626% | 2,546 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1627% | 1,791 |
| Assets per employee ($millions) | 5.8226% | 1,819 |
| Cash dividends to net income (ytd only)* | 62.6761% | 1,329 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8228% | 4,355 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 81.5989% | 486 |
| Net loans and leases to deposits | 92.2497% | 1,253 |
| Net loans and leases to core deposits | 118.3109% | 521 |
| Total domestic deposits to total assets | 88.4544% | 908 |
| Equity capital to assets | 6.9957% | 5,068 |
| Core capital (leverage) ratio | 6.9949% | 5,083 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8280% | 3,149 |
| Memoranda: | ||
| Average total assets | $69,037,000 | 4,427 |
| Average earning assets | $64,397,500 | 4,413 |
| Average equity | $4,859,500 | 4,856 |
| Average total loans | $57,155,000 | 4,004 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1005% | 1,213 |
| Cost of funding earning assets | 1.1922% | 1,039 |
| Net interest margin | 3.9084% | 2,147 |
| Noninterest income to average assets | 0.3322% | 3,719 |
| Noninterest expense to average assets | 2.6761% | 2,950 |
| Loan and lease loss provision to assets | 0.1531% | 1,376 |
| Net operating income to assets | 1.0702% | 2,577 |
| Return on assets (ROA) | 1.0717% | 2,660 |
| Pretax return on assets | 1.1283% | 3,085 |
| Return on Equity (ROE) | 15.2939% | 633 |
| Retained earnings to average equity (ytd only) | 10.0066% | 487 |
| Net charge-offs to loans | 0.0834% | 1,920 |
| Credit loss provision to net charge-offs | 212.7660% | 1,243 |
| Earnings coverage of net charge-offs (x) | 17.7872% | 2,091 |
| Efficiency ratio | 67.6471% | 2,511 |
| Assets per employee ($millions) | 5.6836% | 1,891 |
| Cash dividends to net income (ytd only)* | 34.5714% | 2,875 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8166% | 4,253 |
| 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 | 82.6342% | 471 |
| Net loans and leases to deposits | 93.6538% | 1,189 |
| Net loans and leases to core deposits | 118.8332% | 510 |
| Total domestic deposits to total assets | 88.2337% | 1,016 |
| Equity capital to assets | 7.0833% | 5,136 |
| Core capital (leverage) ratio | 7.0257% | 5,139 |
| Tier 1 risk-based capital ratio | 10.5364% | 5,011 |
| Total risk-based capital ratio | 11.5590% | 5,008 |
| Memoranda: | ||
| Average total assets | $65,318,200 | 4,516 |
| Average earning assets | $60,562,600 | 4,504 |
| Average equity | $4,577,000 | 4,935 |
| Average total loans | $56,332,200 | 4,047 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1245% | 1,230 |
| Cost of funding earning assets | 1.1732% | 1,103 |
| Net interest margin | 3.9513% | 2,101 |
| Noninterest income to average assets | 0.3344% | 3,734 |
| Noninterest expense to average assets | 2.7410% | 2,745 |
| Loan and lease loss provision to assets | 0.1878% | 960 |
| Net operating income to assets | 1.0155% | 2,924 |
| Return on assets (ROA) | 1.0155% | 3,002 |
| Pretax return on assets | 1.0692% | 3,378 |
| Return on Equity (ROE) | 14.5337% | 878 |
| Retained earnings to average equity (ytd only) | 9.6005% | 869 |
| Net charge-offs to loans | 0.1115% | 1,356 |
| Credit loss provision to net charge-offs | 193.6170% | 1,355 |
| Earnings coverage of net charge-offs (x) | 12.9564% | 2,324 |
| Efficiency ratio | 68.5596% | 2,329 |
| Assets per employee ($millions) | 5.5431% | 1,992 |
| Cash dividends to net income (ytd only)* | 33.9431% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8027% | 4,406 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 84.5318% | 294 |
| Net loans and leases to deposits | 96.0998% | 1,007 |
| Net loans and leases to core deposits | 122.8463% | 442 |
| Total domestic deposits to total assets | 87.9625% | 1,052 |
| Equity capital to assets | 7.0749% | 5,219 |
| Core capital (leverage) ratio | 7.0674% | 5,212 |
| Tier 1 risk-based capital ratio | 10.3662% | 5,117 |
| Total risk-based capital ratio | 11.3810% | 5,098 |
| Memoranda: | ||
| Average total assets | $64,597,000 | 4,582 |
| Average earning assets | $59,894,000 | 4,573 |
| Average equity | $4,513,500 | 5,004 |
| Average total loans | $56,209,500 | 4,096 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0166% | 1,437 |
| Cost of funding earning assets | 1.1585% | 1,112 |
| Net interest margin | 3.8582% | 2,376 |
| Noninterest income to average assets | 0.3440% | 3,638 |
| Noninterest expense to average assets | 2.7956% | 2,605 |
| Loan and lease loss provision to assets | 0.0563% | 2,698 |
| Net operating income to assets | 1.0319% | 2,795 |
| Return on assets (ROA) | 1.0319% | 2,876 |
| Pretax return on assets | 1.0851% | 3,275 |
| Return on Equity (ROE) | 14.8337% | 796 |
| Retained earnings to average equity (ytd only) | 7.3269% | 1,680 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0087% | 2,066 |
| Assets per employee ($millions) | 5.4538% | 2,005 |
| Cash dividends to net income (ytd only)* | 50.6061% | 1,758 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7352% | 4,637 |
| 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 | 88.5018% | 93 |
| Net loans and leases to deposits | 100.5660% | 636 |
| Net loans and leases to core deposits | 128.8485% | 341 |
| Total domestic deposits to total assets | 88.0037% | 1,100 |
| Equity capital to assets | 6.9387% | 5,268 |
| Core capital (leverage) ratio | 6.9935% | 5,265 |
| Tier 1 risk-based capital ratio | 9.8455% | 5,247 |
| Total risk-based capital ratio | 10.7869% | 5,255 |
| Memoranda: | ||
| Average total assets | $63,957,000 | 4,626 |
| Average earning assets | $59,562,000 | 4,617 |
| Average equity | $4,449,330 | 5,048 |
| Average total loans | $56,051,670 | 4,123 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8877% | 1,624 |
| Cost of funding earning assets | 1.1332% | 1,083 |
| Net interest margin | 3.7545% | 2,693 |
| Noninterest income to average assets | 0.2658% | 4,101 |
| Noninterest expense to average assets | 2.8032% | 2,558 |
| Loan and lease loss provision to assets | 0.0570% | 2,525 |
| Net operating income to assets | 0.8416% | 3,478 |
| Return on assets (ROA) | 0.8416% | 3,520 |
| Pretax return on assets | 0.8859% | 3,812 |
| Return on Equity (ROE) | 12.0813% | 1,503 |
| Retained earnings to average equity (ytd only) | 6.9944% | 2,047 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8311% | 1,633 |
| Assets per employee ($millions) | 5.3788% | 2,095 |
| Cash dividends to net income (ytd only)* | 42.1053% | 1,859 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7609% | 4,629 |
| 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 | 84.8679% | 292 |
| Net loans and leases to deposits | 96.2013% | 945 |
| Net loans and leases to core deposits | 123.6300% | 432 |
| Total domestic deposits to total assets | 88.2191% | 1,228 |
| Equity capital to assets | 6.8898% | 5,313 |
| Core capital (leverage) ratio | 7.0965% | 5,314 |
| Tier 1 risk-based capital ratio | 9.7060% | 5,316 |
| Total risk-based capital ratio | 10.6324% | 5,328 |
| Memoranda: | ||
| Average total assets | $63,213,000 | 4,686 |
| Average earning assets | $58,596,000 | 4,681 |
| Average equity | $4,403,500 | 5,101 |
| Average total loans | $54,903,000 | 4,190 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9034% | 1,276 |
| Cost of funding earning assets | 0.9325% | 986 |
| Net interest margin | 3.9709% | 2,089 |
| Noninterest income to average assets | 0.2678% | 4,319 |
| Noninterest expense to average assets | 2.8551% | 2,503 |
| Loan and lease loss provision to assets | 0.1809% | 1,081 |
| Net operating income to assets | 0.8269% | 3,704 |
| Return on assets (ROA) | 0.8269% | 3,702 |
| Pretax return on assets | 0.8685% | 3,978 |
| Return on Equity (ROE) | 10.8830% | 2,138 |
| Retained earnings to average equity (ytd only) | 5.2153% | 2,655 |
| Net charge-offs to loans | -0.0041% | 4,319 |
| Credit loss provision to net charge-offs | -5,000.0000% | 4,931 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1233% | 1,744 |
| Assets per employee ($millions) | 5.1568% | 2,319 |
| Cash dividends to net income (ytd only)* | 52.0788% | 1,859 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7526% | 4,668 |
| 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 | 87.5826% | 133 |
| Net loans and leases to deposits | 99.6800% | 770 |
| Net loans and leases to core deposits | 129.8381% | 326 |
| Total domestic deposits to total assets | 87.8638% | 1,364 |
| Equity capital to assets | 7.0458% | 5,329 |
| Core capital (leverage) ratio | 7.2054% | 5,348 |
| Tier 1 risk-based capital ratio | 9.6976% | 5,355 |
| Total risk-based capital ratio | 10.6196% | 5,355 |
| Memoranda: | ||
| Average total assets | $55,269,000 | 4,849 |
| Average earning assets | $50,618,000 | 4,843 |
| Average equity | $4,199,200 | 5,152 |
| Average total loans | $48,609,600 | 4,340 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8558% | 1,288 |
| Cost of funding earning assets | 0.8556% | 1,091 |
| Net interest margin | 4.0002% | 1,956 |
| Noninterest income to average assets | 0.2487% | 4,488 |
| Noninterest expense to average assets | 2.9344% | 2,216 |
| Loan and lease loss provision to assets | 0.1194% | 1,699 |
| Net operating income to assets | 0.8032% | 3,887 |
| Return on assets (ROA) | 0.8032% | 3,894 |
| Pretax return on assets | 0.8455% | 4,180 |
| Return on Equity (ROE) | 10.3549% | 2,456 |
| Retained earnings to average equity (ytd only) | 3.4624% | 4,039 |
| Net charge-offs to loans | -0.0085% | 4,354 |
| Credit loss provision to net charge-offs | -1,600.0000% | 4,711 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.2551% | 1,432 |
| Assets per employee ($millions) | 4.9834% | 2,488 |
| Cash dividends to net income (ytd only)* | 66.5629% | 962 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6952% | 4,884 |
| 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 | 85.9935% | 264 |
| Net loans and leases to deposits | 96.3466% | 1,113 |
| Net loans and leases to core deposits | 124.8877% | 444 |
| Total domestic deposits to total assets | 89.2544% | 752 |
| Equity capital to assets | 7.0969% | 5,376 |
| Core capital (leverage) ratio | 7.4836% | 5,395 |
| Tier 1 risk-based capital ratio | 10.1452% | 5,349 |
| Total risk-based capital ratio | 11.0124% | 5,385 |
| Memoranda: | ||
| Average total assets | $53,616,000 | 4,935 |
| Average earning assets | $48,929,500 | 4,933 |
| Average equity | $4,159,000 | 5,222 |
| Average total loans | $47,110,000 | 4,416 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7913% | 1,273 |
| Cost of funding earning assets | 0.7782% | 1,233 |
| Net interest margin | 4.0130% | 1,816 |
| Noninterest income to average assets | 0.2444% | 4,546 |
| Noninterest expense to average assets | 3.0298% | 1,967 |
| Loan and lease loss provision to assets | 0.1629% | 1,140 |
| Net operating income to assets | 0.7061% | 4,179 |
| Return on assets (ROA) | 0.7061% | 4,179 |
| Pretax return on assets | 0.7526% | 4,380 |
| Return on Equity (ROE) | 8.8121% | 3,107 |
| Retained earnings to average equity (ytd only) | 1.3073% | 4,682 |
| Net charge-offs to loans | -0.0132% | 4,408 |
| Credit loss provision to net charge-offs | -1,400.0000% | 4,580 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.7945% | 1,338 |
| Assets per employee ($millions) | 4.5633% | 3,030 |
| Cash dividends to net income (ytd only)* | 85.1648% | 608 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7177% | 4,907 |
| Loan loss allowance to noncurrent loans | 2,212.5000% | 309 |
| Noncurrent assets plus other real estate owned to assets | 0.0292% | 4,883 |
| Noncurrent loans to loans | 0.0324% | 4,774 |
| Net loans and leases to total assets | 89.4302% | 87 |
| Net loans and leases to deposits | 99.0634% | 879 |
| Net loans and leases to core deposits | 121.8542% | 523 |
| Total domestic deposits to total assets | 90.2757% | 473 |
| Equity capital to assets | 7.6224% | 5,341 |
| Core capital (leverage) ratio | 7.6143% | 5,428 |
| Tier 1 risk-based capital ratio | 10.6499% | 5,210 |
| Total risk-based capital ratio | 11.5651% | 5,254 |
| Memoranda: | ||
| Average total assets | $51,554,330 | 5,023 |
| Average earning assets | $47,545,000 | 5,014 |
| Average equity | $4,130,670 | 5,284 |
| Average total loans | $45,551,670 | 4,505 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5772% | 1,639 |
| Cost of funding earning assets | 0.6888% | 1,504 |
| Net interest margin | 3.8884% | 2,090 |
| Noninterest income to average assets | 0.2402% | 4,564 |
| Noninterest expense to average assets | 3.1631% | 1,656 |
| Loan and lease loss provision to assets | 0.2482% | 601 |
| Net operating income to assets | 0.3363% | 5,039 |
| Return on assets (ROA) | 0.3363% | 5,043 |
| Pretax return on assets | 0.4004% | 5,038 |
| Return on Equity (ROE) | 4.0886% | 4,749 |
| Retained earnings to average equity (ytd only) | -8.8586% | 5,331 |
| Net charge-offs to loans | -0.0733% | 5,123 |
| Credit loss provision to net charge-offs | -387.5000% | 3,944 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.9832% | 864 |
| Assets per employee ($millions) | 4.3060% | 3,475 |
| Cash dividends to net income (ytd only)* | 316.6667% | 61 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7769% | 4,849 |
| 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 | 86.0118% | 259 |
| Net loans and leases to deposits | 93.5584% | 1,273 |
| Net loans and leases to core deposits | 114.9523% | 761 |
| Total domestic deposits to total assets | 91.9337% | 115 |
| Equity capital to assets | 7.8573% | 5,306 |
| Core capital (leverage) ratio | 8.0550% | 5,377 |
| Tier 1 risk-based capital ratio | 10.5600% | 5,331 |
| Total risk-based capital ratio | 11.4783% | 5,360 |
| Memoranda: | ||
| Average total assets | $49,951,500 | 5,111 |
| Average earning assets | $45,880,000 | 5,111 |
| Average equity | $4,109,000 | 5,340 |
| Average total loans | $43,664,500 | 4,597 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5496% | 1,562 |
| Cost of funding earning assets | 0.4510% | 2,766 |
| Net interest margin | 4.0986% | 1,444 |
| Noninterest income to average assets | 0.3099% | 4,242 |
| Noninterest expense to average assets | 3.1646% | 1,691 |
| Loan and lease loss provision to assets | 0.1275% | 1,797 |
| Net operating income to assets | 0.6571% | 3,794 |
| Return on assets (ROA) | 0.6571% | 3,831 |
| Pretax return on assets | 0.6922% | 4,526 |
| Return on Equity (ROE) | 7.2559% | 3,149 |
| Retained earnings to average equity (ytd only) | 0.4611% | 4,852 |
| Net charge-offs to loans | 0.0503% | 2,784 |
| Credit loss provision to net charge-offs | 305.2632% | 922 |
| Earnings coverage of net charge-offs (x) | 19.6316% | 2,014 |
| Efficiency ratio | 79.4264% | 1,170 |
| Assets per employee ($millions) | 4.3846% | 3,361 |
| Cash dividends to net income (ytd only)* | 93.6455% | 478 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7264% | 5,014 |
| 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 | 87.5536% | 160 |
| Net loans and leases to deposits | 100.6291% | 682 |
| Net loans and leases to core deposits | 116.0971% | 717 |
| Total domestic deposits to total assets | 87.0063% | 1,994 |
| Equity capital to assets | 8.6210% | 5,017 |
| Core capital (leverage) ratio | 8.6125% | 5,031 |
| Tier 1 risk-based capital ratio | 10.7535% | 5,271 |
| Total risk-based capital ratio | 11.5634% | 5,361 |
| Memoranda: | ||
| Average total assets | $45,504,000 | 5,241 |
| Average earning assets | $40,794,400 | 5,260 |
| Average equity | $4,120,800 | 5,406 |
| Average total loans | $37,770,400 | 4,799 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4780% | 1,707 |
| Cost of funding earning assets | 0.4408% | 2,803 |
| Net interest margin | 4.0372% | 1,579 |
| Noninterest income to average assets | 0.2677% | 4,594 |
| Noninterest expense to average assets | 3.1918% | 1,575 |
| Loan and lease loss provision to assets | 0.0387% | 3,333 |
| Net operating income to assets | 0.6009% | 4,393 |
| Return on assets (ROA) | 0.6009% | 4,432 |
| Pretax return on assets | 0.6336% | 4,771 |
| Return on Equity (ROE) | 6.5507% | 3,887 |
| Retained earnings to average equity (ytd only) | -1.9458% | 5,424 |
| Net charge-offs to loans | 0.0656% | 2,182 |
| Credit loss provision to net charge-offs | 72.2222% | 2,676 |
| Earnings coverage of net charge-offs (x) | 12.5554% | 2,422 |
| Efficiency ratio | 82.6020% | 868 |
| Assets per employee ($millions) | 4.3061% | 3,459 |
| Cash dividends to net income (ytd only)* | 129.6996% | 141 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6583% | 5,225 |
| 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 | 84.4301% | 395 |
| Net loans and leases to deposits | 92.7050% | 1,458 |
| Net loans and leases to core deposits | 105.7654% | 1,290 |
| Total domestic deposits to total assets | 91.0740% | 171 |
| Equity capital to assets | 8.6326% | 5,205 |
| Core capital (leverage) ratio | 8.9313% | 4,822 |
| Tier 1 risk-based capital ratio | 11.5039% | 4,963 |
| Total risk-based capital ratio | 12.2613% | 5,130 |
| Memoranda: | ||
| Average total assets | $44,822,250 | 5,310 |
| Average earning assets | $39,927,500 | 5,336 |
| Average equity | $4,111,500 | 5,468 |
| Average total loans | $36,578,750 | 4,879 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4115% | 1,774 |
| Cost of funding earning assets | 0.4263% | 2,833 |
| Net interest margin | 3.9853% | 1,653 |
| Noninterest income to average assets | 0.2592% | 4,680 |
| Noninterest expense to average assets | 3.1973% | 1,588 |
| Loan and lease loss provision to assets | 0.0409% | 3,187 |
| Net operating income to assets | 0.5230% | 4,637 |
| Return on assets (ROA) | 0.5230% | 4,669 |
| Pretax return on assets | 0.5503% | 4,905 |
| Return on Equity (ROE) | 5.5839% | 4,231 |
| Retained earnings to average equity (ytd only) | -0.5827% | 5,169 |
| Net charge-offs to loans | 0.1018% | 1,604 |
| Credit loss provision to net charge-offs | 50.0000% | 2,561 |
| Earnings coverage of net charge-offs (x) | 7.2222% | 2,623 |
| Efficiency ratio | 84.3938% | 811 |
| Assets per employee ($millions) | 3.8285% | 4,233 |
| Cash dividends to net income (ytd only)* | 110.4348% | 367 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6934% | 5,228 |
| 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 | 81.3656% | 761 |
| Net loans and leases to deposits | 89.6749% | 1,779 |
| Net loans and leases to core deposits | 102.3212% | 1,483 |
| Total domestic deposits to total assets | 90.7340% | 286 |
| Equity capital to assets | 9.0179% | 4,880 |
| Core capital (leverage) ratio | 9.3432% | 4,308 |
| Tier 1 risk-based capital ratio | 12.1491% | 4,527 |
| Total risk-based capital ratio | 12.9277% | 4,735 |
| Memoranda: | ||
| Average total assets | $43,974,000 | 5,370 |
| Average earning assets | $38,943,330 | 5,395 |
| Average equity | $4,119,000 | 5,508 |
| Average total loans | $35,352,670 | 4,944 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3507% | 1,813 |
| Cost of funding earning assets | 0.3848% | 3,146 |
| Net interest margin | 3.9659% | 1,566 |
| Noninterest income to average assets | 0.2884% | 4,492 |
| Noninterest expense to average assets | 3.3124% | 1,363 |
| Loan and lease loss provision to assets | 0.0465% | 2,875 |
| Net operating income to assets | 0.3443% | 5,090 |
| Return on assets (ROA) | 0.3443% | 5,107 |
| Pretax return on assets | 0.3815% | 5,194 |
| Return on Equity (ROE) | 3.6036% | 4,921 |
| Retained earnings to average equity (ytd only) | -8.8629% | 5,556 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.5572% | 630 |
| Assets per employee ($millions) | 3.6583% | 4,564 |
| Cash dividends to net income (ytd only)* | 345.9459% | 79 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7947% | 5,081 |
| 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 | 78.1959% | 1,106 |
| Net loans and leases to deposits | 86.3402% | 1,999 |
| Net loans and leases to core deposits | 97.8563% | 1,669 |
| Total domestic deposits to total assets | 90.5672% | 447 |
| Equity capital to assets | 9.2506% | 4,568 |
| Core capital (leverage) ratio | 9.7897% | 3,767 |
| Tier 1 risk-based capital ratio | 13.2134% | 3,939 |
| Total risk-based capital ratio | 14.1231% | 4,059 |
| Memoranda: | ||
| Average total assets | $42,990,000 | 5,448 |
| Average earning assets | $37,419,000 | 5,475 |
| Average equity | $4,107,000 | 5,563 |
| Average total loans | $34,208,000 | 5,022 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5495% | 1,407 |
| Cost of funding earning assets | 0.2647% | 4,413 |
| Net interest margin | 4.2848% | 953 |
| Noninterest income to average assets | 0.3796% | 4,035 |
| Noninterest expense to average assets | 3.3932% | 1,375 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.7110% | 3,736 |
| Return on assets (ROA) | 0.7110% | 3,851 |
| Pretax return on assets | 0.7541% | 4,326 |
| Return on Equity (ROE) | 6.7639% | 3,609 |
| Retained earnings to average equity (ytd only) | 0.0241% | 5,296 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.8182% | 1,221 |
| Assets per employee ($millions) | 3.8255% | 4,258 |
| Cash dividends to net income (ytd only)* | 99.6441% | 369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7985% | 5,110 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 79.7125% | 931 |
| Net loans and leases to deposits | 100.8842% | 612 |
| Net loans and leases to core deposits | 102.8043% | 1,381 |
| Total domestic deposits to total assets | 79.0138% | 4,793 |
| Equity capital to assets | 9.8693% | 3,859 |
| Core capital (leverage) ratio | 10.0280% | 3,452 |
| Tier 1 risk-based capital ratio | 13.4512% | 3,801 |
| Total risk-based capital ratio | 14.3403% | 3,924 |
| Memoranda: | ||
| Average total assets | $39,519,800 | 5,550 |
| Average earning assets | $34,750,800 | 5,576 |
| Average equity | $4,154,400 | 5,618 |
| Average total loans | $31,499,600 | 5,151 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5331% | 1,446 |
| Cost of funding earning assets | 0.2475% | 4,623 |
| Net interest margin | 4.2856% | 958 |
| Noninterest income to average assets | 0.3224% | 4,472 |
| Noninterest expense to average assets | 3.3744% | 1,399 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.7099% | 3,792 |
| Return on assets (ROA) | 0.7099% | 3,930 |
| Pretax return on assets | 0.7476% | 4,479 |
| Return on Equity (ROE) | 6.6428% | 3,758 |
| Retained earnings to average equity (ytd only) | -1.7650% | 5,580 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.8636% | 1,210 |
| Assets per employee ($millions) | 4.0191% | 3,934 |
| Cash dividends to net income (ytd only)* | 126.5698% | 192 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8012% | 5,185 |
| Loan loss allowance to noncurrent loans | 1,125.0000% | 529 |
| Noncurrent assets plus other real estate owned to assets | 0.0543% | 5,244 |
| Noncurrent loans to loans | 0.0712% | 5,063 |
| Net loans and leases to total assets | 75.6141% | 1,594 |
| Net loans and leases to deposits | 90.4342% | 1,698 |
| Net loans and leases to core deposits | 98.9521% | 1,729 |
| Total domestic deposits to total assets | 83.6123% | 3,351 |
| Equity capital to assets | 9.3712% | 4,792 |
| Core capital (leverage) ratio | 10.0729% | 3,471 |
| Tier 1 risk-based capital ratio | 13.8686% | 3,627 |
| Total risk-based capital ratio | 14.7994% | 3,743 |
| Memoranda: | ||
| Average total assets | $38,879,750 | 5,614 |
| Average earning assets | $34,471,500 | 5,635 |
| Average equity | $4,154,750 | 5,683 |
| Average total loans | $30,921,250 | 5,211 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6512% | 1,165 |
| Cost of funding earning assets | 0.2353% | 4,800 |
| Net interest margin | 4.4159% | 738 |
| Noninterest income to average assets | 0.3342% | 4,392 |
| Noninterest expense to average assets | 3.5792% | 1,035 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.6684% | 3,967 |
| Return on assets (ROA) | 0.6684% | 4,103 |
| Pretax return on assets | 0.7008% | 4,618 |
| Return on Equity (ROE) | 5.9634% | 4,064 |
| Retained earnings to average equity (ytd only) | -1.0099% | 5,439 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.6272% | 1,084 |
| Assets per employee ($millions) | 3.7769% | 4,311 |
| Cash dividends to net income (ytd only)* | 116.9355% | 357 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8357% | 5,175 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 77.1169% | 1,315 |
| Net loans and leases to deposits | 95.1672% | 1,169 |
| Net loans and leases to core deposits | 105.9806% | 1,181 |
| Total domestic deposits to total assets | 81.0331% | 4,265 |
| Equity capital to assets | 10.0996% | 4,089 |
| Core capital (leverage) ratio | 10.8692% | 2,567 |
| Tier 1 risk-based capital ratio | 14.3396% | 3,411 |
| Total risk-based capital ratio | 15.2923% | 3,501 |
| Memoranda: | ||
| Average total assets | $37,103,000 | 5,720 |
| Average earning assets | $33,153,000 | 5,731 |
| Average equity | $4,158,670 | 5,746 |
| Average total loans | $29,995,330 | 5,295 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7919% | 864 |
| Cost of funding earning assets | 0.2196% | 5,007 |
| Net interest margin | 4.5723% | 529 |
| Noninterest income to average assets | 0.3326% | 4,353 |
| Noninterest expense to average assets | 3.8760% | 706 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.4702% | 4,738 |
| Return on assets (ROA) | 0.4702% | 4,832 |
| Pretax return on assets | 0.5160% | 5,041 |
| Return on Equity (ROE) | 3.9614% | 4,902 |
| Retained earnings to average equity (ytd only) | -10.0483% | 5,803 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.2507% | 793 |
| Assets per employee ($millions) | 3.3119% | 5,107 |
| Cash dividends to net income (ytd only)* | 353.6585% | 85 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9213% | 4,984 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 79.7041% | 857 |
| Net loans and leases to deposits | 108.8384% | 251 |
| Net loans and leases to core deposits | 109.8763% | 859 |
| Total domestic deposits to total assets | 73.2316% | 5,674 |
| Equity capital to assets | 11.2404% | 2,694 |
| Core capital (leverage) ratio | 11.4943% | 1,972 |
| Tier 1 risk-based capital ratio | 15.0998% | 3,105 |
| Total risk-based capital ratio | 16.1241% | 3,155 |
| Memoranda: | ||
| Average total assets | $34,881,500 | 5,822 |
| Average earning assets | $30,969,000 | 5,831 |
| Average equity | $4,140,000 | 5,782 |
| Average total loans | $28,838,500 | 5,382 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6333% | 1,253 |
| Cost of funding earning assets | 0.1586% | 5,627 |
| Net interest margin | 4.4747% | 687 |
| Noninterest income to average assets | 0.3008% | 4,728 |
| Noninterest expense to average assets | 3.3214% | 1,676 |
| Loan and lease loss provision to assets | 0.0313% | 3,741 |
| Net operating income to assets | 1.0434% | 2,154 |
| Return on assets (ROA) | 1.0434% | 2,242 |
| Pretax return on assets | 1.1029% | 3,043 |
| Return on Equity (ROE) | 8.0770% | 2,921 |
| Retained earnings to average equity (ytd only) | 1.8919% | 4,646 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5429% | 2,497 |
| Assets per employee ($millions) | 3.7036% | 4,472 |
| Cash dividends to net income (ytd only)* | 76.5766% | 987 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9517% | 4,862 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 84.3034% | 360 |
| Net loans and leases to deposits | 108.0645% | 296 |
| Net loans and leases to core deposits | 110.1918% | 843 |
| Total domestic deposits to total assets | 78.0121% | 5,161 |
| Equity capital to assets | 12.5555% | 1,595 |
| Core capital (leverage) ratio | 12.8812% | 1,194 |
| Tier 1 risk-based capital ratio | 16.4287% | 2,520 |
| Total risk-based capital ratio | 17.5148% | 2,535 |
| Memoranda: | ||
| Average total assets | $31,914,600 | 5,930 |
| Average earning assets | $29,633,400 | 5,904 |
| Average equity | $4,122,800 | 5,833 |
| Average total loans | $26,861,000 | 5,493 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6171% | 1,291 |
| Cost of funding earning assets | 0.1588% | 5,718 |
| Net interest margin | 4.4583% | 716 |
| Noninterest income to average assets | 0.2873% | 4,893 |
| Noninterest expense to average assets | 3.3375% | 1,601 |
| Loan and lease loss provision to assets | 0.0422% | 3,366 |
| Net operating income to assets | 1.0097% | 2,428 |
| Return on assets (ROA) | 1.0097% | 2,521 |
| Pretax return on assets | 1.0604% | 3,374 |
| Return on Equity (ROE) | 7.7585% | 3,207 |
| Retained earnings to average equity (ytd only) | -0.5193% | 5,696 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1665% | 2,376 |
| Assets per employee ($millions) | 3.4970% | 4,791 |
| Cash dividends to net income (ytd only)* | 106.6937% | 301 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0208% | 4,638 |
| 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 | 83.1792% | 456 |
| Net loans and leases to deposits | 103.5316% | 470 |
| Net loans and leases to core deposits | 105.6286% | 1,131 |
| Total domestic deposits to total assets | 80.3419% | 4,657 |
| Equity capital to assets | 13.0175% | 1,434 |
| Core capital (leverage) ratio | 13.4466% | 1,036 |
| Tier 1 risk-based capital ratio | 17.5972% | 2,158 |
| Total risk-based capital ratio | 18.7880% | 2,134 |
| Memoranda: | ||
| Average total assets | $31,560,250 | 6,015 |
| Average earning assets | $29,397,500 | 5,991 |
| Average equity | $4,107,250 | 5,915 |
| Average total loans | $26,483,750 | 5,568 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5666% | 1,356 |
| Cost of funding earning assets | 0.1616% | 5,765 |
| Net interest margin | 4.4049% | 754 |
| Noninterest income to average assets | 0.2722% | 5,002 |
| Noninterest expense to average assets | 3.3302% | 1,629 |
| Loan and lease loss provision to assets | 0.0633% | 2,852 |
| Net operating income to assets | 0.9687% | 2,542 |
| Return on assets (ROA) | 0.9687% | 2,654 |
| Pretax return on assets | 1.0193% | 3,502 |
| Return on Equity (ROE) | 7.4440% | 3,352 |
| Retained earnings to average equity (ytd only) | 0.7298% | 5,262 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4663% | 2,458 |
| Assets per employee ($millions) | 3.7126% | 4,395 |
| Cash dividends to net income (ytd only)* | 90.1961% | 710 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0679% | 4,499 |
| 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 | 84.2194% | 355 |
| Net loans and leases to deposits | 98.0364% | 784 |
| Net loans and leases to core deposits | 100.0000% | 1,491 |
| Total domestic deposits to total assets | 85.9062% | 2,739 |
| Equity capital to assets | 13.8548% | 1,030 |
| Core capital (leverage) ratio | 13.0031% | 1,167 |
| Tier 1 risk-based capital ratio | 19.3747% | 1,702 |
| Total risk-based capital ratio | 20.6272% | 1,669 |
| Memoranda: | ||
| Average total assets | $31,589,330 | 6,081 |
| Average earning assets | $29,694,000 | 6,047 |
| Average equity | $4,110,670 | 5,975 |
| Average total loans | $26,495,330 | 5,611 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4376% | 1,639 |
| Cost of funding earning assets | 0.1562% | 5,878 |
| Net interest margin | 4.2815% | 916 |
| Noninterest income to average assets | 0.2459% | 5,200 |
| Noninterest expense to average assets | 3.2582% | 1,823 |
| Loan and lease loss provision to assets | 0.1230% | 1,694 |
| Net operating income to assets | 0.8484% | 3,018 |
| Return on assets (ROA) | 0.8484% | 3,137 |
| Pretax return on assets | 0.9098% | 3,849 |
| Return on Equity (ROE) | 6.7178% | 3,647 |
| Retained earnings to average equity (ytd only) | -4.9653% | 5,934 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.9312% | 2,529 |
| Assets per employee ($millions) | 4.0543% | 3,857 |
| Cash dividends to net income (ytd only)* | 173.9130% | 287 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0515% | 4,754 |
| 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 | 78.3375% | 877 |
| Net loans and leases to deposits | 91.7654% | 1,215 |
| Net loans and leases to core deposits | 92.6015% | 1,897 |
| Total domestic deposits to total assets | 85.3672% | 3,238 |
| Equity capital to assets | 12.5948% | 1,634 |
| Core capital (leverage) ratio | 12.4551% | 1,377 |
| Tier 1 risk-based capital ratio | 17.4760% | 2,312 |
| Total risk-based capital ratio | 18.6691% | 2,283 |
| Memoranda: | ||
| Average total assets | $32,533,500 | 6,134 |
| Average earning assets | $30,737,000 | 6,097 |
| Average equity | $4,108,500 | 6,029 |
| Average total loans | $27,101,000 | 5,635 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7091% | 1,284 |
| Cost of funding earning assets | 0.1699% | 5,981 |
| Net interest margin | 4.5391% | 697 |
| Noninterest income to average assets | 0.3052% | 4,927 |
| Noninterest expense to average assets | 3.1145% | 2,473 |
| Loan and lease loss provision to assets | 0.1674% | 1,563 |
| Net operating income to assets | 1.2527% | 1,423 |
| Return on assets (ROA) | 1.2340% | 1,535 |
| Pretax return on assets | 1.2996% | 2,241 |
| Return on Equity (ROE) | 9.4283% | 2,374 |
| Retained earnings to average equity (ytd only) | 3.9117% | 3,428 |
| Net charge-offs to loans | 0.0194% | 4,465 |
| Credit loss provision to net charge-offs | 1,020.0000% | 263 |
| Earnings coverage of net charge-offs (x) | 90.6000% | 571 |
| Efficiency ratio | 67.6890% | 3,944 |
| Assets per employee ($millions) | 4.0791% | 3,760 |
| Cash dividends to net income (ytd only)* | 58.5106% | 1,823 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9115% | 5,436 |
| 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 | 86.6117% | 172 |
| Net loans and leases to deposits | 107.8161% | 299 |
| Net loans and leases to core deposits | 107.8161% | 904 |
| Total domestic deposits to total assets | 80.3328% | 4,933 |
| Equity capital to assets | 12.6620% | 1,564 |
| Core capital (leverage) ratio | 12.9556% | 1,161 |
| Tier 1 risk-based capital ratio | 16.7903% | 2,600 |
| Total risk-based capital ratio | 17.8800% | 2,608 |
| Memoranda: | ||
| Average total assets | $30,470,800 | 6,242 |
| Average earning assets | $28,838,000 | 6,206 |
| Average equity | $3,988,000 | 6,092 |
| Average total loans | $25,816,400 | 5,743 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6966% | 1,314 |
| Cost of funding earning assets | 0.1694% | 6,067 |
| Net interest margin | 4.5272% | 701 |
| Noninterest income to average assets | 0.3074% | 4,982 |
| Noninterest expense to average assets | 3.1673% | 2,274 |
| Loan and lease loss provision to assets | 0.1515% | 1,646 |
| Net operating income to assets | 1.2148% | 1,632 |
| Return on assets (ROA) | 1.1894% | 1,786 |
| Pretax return on assets | 1.2473% | 2,586 |
| Return on Equity (ROE) | 9.0078% | 2,681 |
| Retained earnings to average equity (ytd only) | 1.5858% | 5,248 |
| Net charge-offs to loans | 0.0424% | 3,653 |
| Credit loss provision to net charge-offs | 425.0000% | 661 |
| Earnings coverage of net charge-offs (x) | 39.9869% | 1,130 |
| Efficiency ratio | 68.9622% | 3,687 |
| Assets per employee ($millions) | 3.8166% | 4,257 |
| Cash dividends to net income (ytd only)* | 82.3984% | 684 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9039% | 5,592 |
| 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 | 86.1723% | 189 |
| Net loans and leases to deposits | 101.9332% | 507 |
| Net loans and leases to core deposits | 101.9332% | 1,218 |
| Total domestic deposits to total assets | 84.5380% | 3,530 |
| Equity capital to assets | 13.1923% | 1,335 |
| Core capital (leverage) ratio | 12.9772% | 1,186 |
| Tier 1 risk-based capital ratio | 17.7551% | 2,292 |
| Total risk-based capital ratio | 18.8488% | 2,315 |
| Memoranda: | ||
| Average total assets | $29,930,250 | 6,326 |
| Average earning assets | $28,331,750 | 6,289 |
| Average equity | $3,952,000 | 6,168 |
| Average total loans | $25,139,500 | 5,836 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6265% | 1,458 |
| Cost of funding earning assets | 0.1706% | 6,135 |
| Net interest margin | 4.4560% | 771 |
| Noninterest income to average assets | 0.2758% | 5,221 |
| Noninterest expense to average assets | 3.2560% | 2,031 |
| Loan and lease loss provision to assets | 0.1413% | 1,748 |
| Net operating income to assets | 1.0427% | 2,151 |
| Return on assets (ROA) | 1.0427% | 2,211 |
| Pretax return on assets | 1.0966% | 3,117 |
| Return on Equity (ROE) | 7.8947% | 3,158 |
| Retained earnings to average equity (ytd only) | 1.2733% | 5,239 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.4551% | 3,249 |
| Assets per employee ($millions) | 3.7204% | 4,414 |
| Cash dividends to net income (ytd only)* | 83.8710% | 817 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9314% | 5,627 |
| 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 | 83.9868% | 302 |
| Net loans and leases to deposits | 99.5222% | 581 |
| Net loans and leases to core deposits | 99.5222% | 1,321 |
| Total domestic deposits to total assets | 84.3900% | 3,784 |
| Equity capital to assets | 13.4664% | 1,174 |
| Core capital (leverage) ratio | 12.7325% | 1,274 |
| Tier 1 risk-based capital ratio | 18.1707% | 2,180 |
| Total risk-based capital ratio | 19.2730% | 2,203 |
| Memoranda: | ||
| Average total assets | $29,729,330 | 6,387 |
| Average earning assets | $28,142,000 | 6,350 |
| Average equity | $3,926,670 | 6,216 |
| Average total loans | $24,669,000 | 5,897 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4837% | 1,860 |
| Cost of funding earning assets | 0.1708% | 6,224 |
| Net interest margin | 4.3129% | 974 |
| Noninterest income to average assets | 0.2827% | 5,110 |
| Noninterest expense to average assets | 3.2579% | 2,049 |
| Loan and lease loss provision to assets | 0.1346% | 1,799 |
| Net operating income to assets | 0.9154% | 2,574 |
| Return on assets (ROA) | 0.9154% | 2,647 |
| Pretax return on assets | 0.9693% | 3,442 |
| Return on Equity (ROE) | 6.9995% | 3,473 |
| Retained earnings to average equity (ytd only) | -4.8379% | 6,111 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.6914% | 3,020 |
| Assets per employee ($millions) | 4.2234% | 3,479 |
| Cash dividends to net income (ytd only)* | 169.1176% | 325 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9393% | 5,740 |
| 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 | 79.9046% | 560 |
| Net loans and leases to deposits | 92.2557% | 932 |
| Net loans and leases to core deposits | 92.2557% | 1,708 |
| Total domestic deposits to total assets | 86.6121% | 3,037 |
| Equity capital to assets | 13.1883% | 1,219 |
| Core capital (leverage) ratio | 13.0432% | 1,148 |
| Tier 1 risk-based capital ratio | 19.0827% | 1,940 |
| Total risk-based capital ratio | 20.2067% | 1,943 |
| Memoranda: | ||
| Average total assets | $29,712,500 | 6,451 |
| Average earning assets | $28,102,000 | 6,418 |
| Average equity | $3,886,000 | 6,273 |
| Average total loans | $24,387,500 | 5,967 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5563% | 2,009 |
| Cost of funding earning assets | 0.2037% | 6,269 |
| Net interest margin | 4.3526% | 993 |
| Noninterest income to average assets | 0.3764% | 4,617 |
| Noninterest expense to average assets | 3.1225% | 2,669 |
| Loan and lease loss provision to assets | 0.0101% | 4,925 |
| Net operating income to assets | 1.2806% | 1,305 |
| Return on assets (ROA) | 1.2806% | 1,356 |
| Pretax return on assets | 1.3377% | 2,016 |
| Return on Equity (ROE) | 9.9707% | 2,128 |
| Retained earnings to average equity (ytd only) | 4.4750% | 2,991 |
| Net charge-offs to loans | 0.0429% | 4,614 |
| Credit loss provision to net charge-offs | 30.0000% | 4,251 |
| Earnings coverage of net charge-offs (x) | 40.1000% | 950 |
| Efficiency ratio | 69.8496% | 3,859 |
| Assets per employee ($millions) | 4.2659% | 3,326 |
| Cash dividends to net income (ytd only)* | 55.1181% | 2,018 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8585% | 6,037 |
| 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 | 82.7635% | 343 |
| Net loans and leases to deposits | 102.1408% | 388 |
| Net loans and leases to core deposits | 102.1408% | 1,014 |
| Total domestic deposits to total assets | 81.0288% | 5,167 |
| Equity capital to assets | 12.9701% | 1,288 |
| Core capital (leverage) ratio | 13.2612% | 1,034 |
| Tier 1 risk-based capital ratio | 17.6703% | 2,350 |
| Total risk-based capital ratio | 18.6525% | 2,427 |
| Memoranda: | ||
| Average total assets | $29,751,800 | 6,519 |
| Average earning assets | $27,983,200 | 6,489 |
| Average equity | $3,821,200 | 6,369 |
| Average total loans | $23,293,800 | 6,067 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5211% | 2,152 |
| Cost of funding earning assets | 0.2053% | 6,378 |
| Net interest margin | 4.3158% | 1,059 |
| Noninterest income to average assets | 0.3454% | 4,928 |
| Noninterest expense to average assets | 3.1443% | 2,518 |
| Loan and lease loss provision to assets | 0.0135% | 4,735 |
| Net operating income to assets | 1.1842% | 1,685 |
| Return on assets (ROA) | 1.1842% | 1,756 |
| Pretax return on assets | 1.2425% | 2,537 |
| Return on Equity (ROE) | 9.2428% | 2,518 |
| Retained earnings to average equity (ytd only) | 1.8906% | 5,186 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4577% | 3,520 |
| Assets per employee ($millions) | 3.5973% | 4,655 |
| Cash dividends to net income (ytd only)* | 79.5449% | 798 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9646% | 5,867 |
| 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 | 79.9187% | 558 |
| Net loans and leases to deposits | 99.4939% | 488 |
| Net loans and leases to core deposits | 99.4939% | 1,155 |
| Total domestic deposits to total assets | 80.3252% | 5,420 |
| Equity capital to assets | 13.0725% | 1,307 |
| Core capital (leverage) ratio | 13.0324% | 1,191 |
| Tier 1 risk-based capital ratio | 19.1093% | 1,955 |
| Total risk-based capital ratio | 20.2560% | 1,947 |
| Memoranda: | ||
| Average total assets | $29,724,500 | 6,592 |
| Average earning assets | $27,927,500 | 6,566 |
| Average equity | $3,808,250 | 6,449 |
| Average total loans | $22,885,250 | 6,144 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4340% | 2,442 |
| Cost of funding earning assets | 0.2196% | 6,372 |
| Net interest margin | 4.2144% | 1,240 |
| Noninterest income to average assets | 0.2863% | 5,404 |
| Noninterest expense to average assets | 3.1425% | 2,541 |
| Loan and lease loss provision to assets | 0.0200% | 4,498 |
| Net operating income to assets | 1.0320% | 2,192 |
| Return on assets (ROA) | 1.0320% | 2,311 |
| Pretax return on assets | 1.0852% | 3,154 |
| Return on Equity (ROE) | 8.1074% | 3,037 |
| Retained earnings to average equity (ytd only) | 2.6153% | 4,648 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.9812% | 3,134 |
| Assets per employee ($millions) | 3.1547% | 5,575 |
| Cash dividends to net income (ytd only)* | 67.7419% | 1,273 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0159% | 5,754 |
| 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 | 76.8702% | 879 |
| Net loans and leases to deposits | 88.8966% | 1,239 |
| Net loans and leases to core deposits | 88.8966% | 2,015 |
| Total domestic deposits to total assets | 86.4715% | 3,127 |
| Equity capital to assets | 13.2854% | 1,227 |
| Core capital (leverage) ratio | 12.8832% | 1,211 |
| Tier 1 risk-based capital ratio | 19.2951% | 1,910 |
| Total risk-based capital ratio | 20.4544% | 1,905 |
| Memoranda: | ||
| Average total assets | $30,040,000 | 6,633 |
| Average earning assets | $28,236,330 | 6,604 |
| Average equity | $3,823,670 | 6,491 |
| Average total loans | $22,772,670 | 6,184 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3151% | 2,829 |
| Cost of funding earning assets | 0.2206% | 6,472 |
| Net interest margin | 4.0945% | 1,478 |
| Noninterest income to average assets | 0.2333% | 5,788 |
| Noninterest expense to average assets | 3.0067% | 2,971 |
| Loan and lease loss provision to assets | 0.0389% | 3,945 |
| Net operating income to assets | 0.9850% | 2,291 |
| Return on assets (ROA) | 0.9850% | 2,415 |
| Pretax return on assets | 1.0368% | 3,197 |
| Return on Equity (ROE) | 7.8971% | 3,029 |
| Retained earnings to average equity (ytd only) | -1.4547% | 6,013 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6508% | 3,324 |
| Assets per employee ($millions) | 3.3723% | 5,275 |
| Cash dividends to net income (ytd only)* | 118.4211% | 510 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0500% | 5,797 |
| Loan loss allowance to noncurrent loans | 22,400.0000% | 40 |
| Noncurrent assets plus other real estate owned to assets | 0.0033% | 6,634 |
| Noncurrent loans to loans | 0.0047% | 6,500 |
| Net loans and leases to total assets | 69.5496% | 1,746 |
| Net loans and leases to deposits | 79.7740% | 2,103 |
| Net loans and leases to core deposits | 79.7740% | 2,836 |
| Total domestic deposits to total assets | 87.1833% | 2,849 |
| Equity capital to assets | 12.6223% | 1,633 |
| Core capital (leverage) ratio | 12.7372% | 1,224 |
| Tier 1 risk-based capital ratio | 18.5082% | 2,193 |
| Total risk-based capital ratio | 19.6394% | 2,199 |
| Memoranda: | ||
| Average total assets | $30,864,000 | 6,687 |
| Average earning assets | $29,014,500 | 6,646 |
| Average equity | $3,849,500 | 6,549 |
| Average total loans | $23,134,500 | 6,212 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5188% | 3,320 |
| Cost of funding earning assets | 0.2616% | 6,622 |
| Net interest margin | 4.2572% | 1,505 |
| Noninterest income to average assets | 0.4023% | 4,593 |
| Noninterest expense to average assets | 3.0084% | 3,241 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.2481% | 1,454 |
| Return on assets (ROA) | 1.2481% | 1,613 |
| Pretax return on assets | 1.3100% | 2,356 |
| Return on Equity (ROE) | 9.6537% | 2,335 |
| Retained earnings to average equity (ytd only) | 2.6062% | 4,396 |
| Net charge-offs to loans | -0.0047% | 6,382 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6656% | 3,874 |
| Assets per employee ($millions) | 3.4863% | 5,030 |
| Cash dividends to net income (ytd only)* | 73.0028% | 1,245 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8863% | 6,293 |
| Loan loss allowance to noncurrent loans | 22,100.0000% | 26 |
| Noncurrent assets plus other real estate owned to assets | 0.0032% | 6,705 |
| Noncurrent loans to loans | 0.0040% | 6,580 |
| Net loans and leases to total assets | 78.7679% | 588 |
| Net loans and leases to deposits | 101.4906% | 352 |
| Net loans and leases to core deposits | 101.4906% | 919 |
| Total domestic deposits to total assets | 77.6110% | 6,141 |
| Equity capital to assets | 12.3275% | 1,842 |
| Core capital (leverage) ratio | 12.3336% | 1,386 |
| Tier 1 risk-based capital ratio | 16.0275% | 3,147 |
| Total risk-based capital ratio | 16.9906% | 3,254 |
| Memoranda: | ||
| Average total assets | $29,084,800 | 6,774 |
| Average earning assets | $26,754,800 | 6,745 |
| Average equity | $3,760,200 | 6,619 |
| Average total loans | $21,234,200 | 6,367 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5664% | 3,350 |
| Cost of funding earning assets | 0.2701% | 6,732 |
| Net interest margin | 4.2963% | 1,475 |
| Noninterest income to average assets | 0.4115% | 4,542 |
| Noninterest expense to average assets | 3.0910% | 2,917 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.2018% | 1,729 |
| Return on assets (ROA) | 1.2018% | 1,900 |
| Pretax return on assets | 1.2626% | 2,740 |
| Return on Equity (ROE) | 9.1786% | 2,717 |
| Retained earnings to average equity (ytd only) | 0.2499% | 6,005 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9989% | 3,505 |
| Assets per employee ($millions) | 3.1640% | 5,705 |
| Cash dividends to net income (ytd only)* | 97.2772% | 368 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1056% | 5,700 |
| Loan loss allowance to noncurrent loans | 11,000.0000% | 65 |
| Noncurrent assets plus other real estate owned to assets | 0.0070% | 6,771 |
| Noncurrent loans to loans | 0.0101% | 6,641 |
| Net loans and leases to total assets | 69.1073% | 2,090 |
| Net loans and leases to deposits | 79.9699% | 2,397 |
| Net loans and leases to core deposits | 79.9699% | 3,209 |
| Total domestic deposits to total assets | 86.4166% | 3,031 |
| Equity capital to assets | 13.2778% | 1,457 |
| Core capital (leverage) ratio | 11.9443% | 1,686 |
| Tier 1 risk-based capital ratio | 19.2787% | 1,928 |
| Total risk-based capital ratio | 20.4611% | 1,917 |
| Memoranda: | ||
| Average total assets | $28,511,750 | 6,878 |
| Average earning assets | $26,161,500 | 6,846 |
| Average equity | $3,733,250 | 6,710 |
| Average total loans | $20,308,750 | 6,499 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5086% | 3,728 |
| Cost of funding earning assets | 0.2760% | 6,813 |
| Net interest margin | 4.2325% | 1,663 |
| Noninterest income to average assets | 0.3927% | 4,708 |
| Noninterest expense to average assets | 3.1553% | 2,731 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.0518% | 2,239 |
| Return on assets (ROA) | 1.0518% | 2,471 |
| Pretax return on assets | 1.1079% | 3,277 |
| Return on Equity (ROE) | 8.0703% | 3,229 |
| Retained earnings to average equity (ytd only) | 0.0000% | 6,031 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0132% | 3,073 |
| Assets per employee ($millions) | 3.2661% | 5,528 |
| Cash dividends to net income (ytd only)* | 100.0000% | 422 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1243% | 5,672 |
| Loan loss allowance to noncurrent loans | 11,000.0000% | 66 |
| Noncurrent assets plus other real estate owned to assets | 0.0068% | 6,834 |
| Noncurrent loans to loans | 0.0102% | 6,684 |
| Net loans and leases to total assets | 65.8207% | 2,707 |
| Net loans and leases to deposits | 75.6786% | 3,033 |
| Net loans and leases to core deposits | 75.6786% | 3,794 |
| Total domestic deposits to total assets | 86.9740% | 2,780 |
| Equity capital to assets | 12.7879% | 1,634 |
| Core capital (leverage) ratio | 12.4461% | 1,377 |
| Tier 1 risk-based capital ratio | 19.5672% | 1,828 |
| Total risk-based capital ratio | 20.7694% | 1,812 |
| Memoranda: | ||
| Average total assets | $28,523,670 | 6,932 |
| Average earning assets | $26,083,670 | 6,900 |
| Average equity | $3,717,330 | 6,752 |
| Average total loans | $20,445,330 | 6,546 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6615% | 3,209 |
| Cost of funding earning assets | 0.2844% | 6,892 |
| Net interest margin | 4.3771% | 1,277 |
| Noninterest income to average assets | 0.3987% | 4,683 |
| Noninterest expense to average assets | 3.3751% | 2,073 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.9114% | 2,860 |
| Return on assets (ROA) | 0.9114% | 3,085 |
| Pretax return on assets | 0.9684% | 3,801 |
| Return on Equity (ROE) | 6.9255% | 3,825 |
| Retained earnings to average equity (ytd only) | -6.0598% | 6,663 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.7049% | 2,533 |
| Assets per employee ($millions) | 3.2540% | 5,655 |
| Cash dividends to net income (ytd only)* | 187.5000% | 188 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1443% | 5,730 |
| Loan loss allowance to noncurrent loans | 7,333.3333% | 83 |
| Noncurrent assets plus other real estate owned to assets | 0.0102% | 6,903 |
| Noncurrent loans to loans | 0.0156% | 6,743 |
| Net loans and leases to total assets | 64.8945% | 2,671 |
| Net loans and leases to deposits | 74.3574% | 3,072 |
| Net loans and leases to core deposits | 74.3574% | 3,855 |
| Total domestic deposits to total assets | 87.2738% | 2,783 |
| Equity capital to assets | 12.5452% | 1,700 |
| Core capital (leverage) ratio | 12.8937% | 1,162 |
| Tier 1 risk-based capital ratio | 19.6259% | 1,801 |
| Total risk-based capital ratio | 20.8507% | 1,789 |
| Memoranda: | ||
| Average total assets | $28,088,000 | 7,000 |
| Average earning assets | $25,313,500 | 6,971 |
| Average equity | $3,696,500 | 6,798 |
| Average total loans | $20,884,000 | 6,568 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8884% | 3,419 |
| Cost of funding earning assets | 0.3528% | 7,005 |
| Net interest margin | 4.5356% | 1,055 |
| Noninterest income to average assets | 0.4694% | 4,059 |
| Noninterest expense to average assets | 3.3992% | 2,247 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 1.2298% | 1,431 |
| Return on assets (ROA) | 1.2595% | 1,453 |
| Pretax return on assets | 1.3260% | 2,034 |
| Return on Equity (ROE) | 8.9749% | 2,460 |
| Retained earnings to average equity (ytd only) | 2.0068% | 4,788 |
| Net charge-offs to loans | 0.2153% | 4,443 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 7.6977% | 2,287 |
| Efficiency ratio | 72.4167% | 3,499 |
| Assets per employee ($millions) | 2.9878% | 6,110 |
| Cash dividends to net income (ytd only)* | 77.6398% | 855 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9759% | 6,318 |
| Loan loss allowance to noncurrent loans | 7,333.3333% | 92 |
| Noncurrent assets plus other real estate owned to assets | 0.3273% | 6,156 |
| Noncurrent loans to loans | 0.0133% | 6,808 |
| Net loans and leases to total assets | 83.0160% | 274 |
| Net loans and leases to deposits | 97.4080% | 594 |
| Net loans and leases to core deposits | 97.4080% | 1,379 |
| Total domestic deposits to total assets | 85.2250% | 3,734 |
| Equity capital to assets | 13.8304% | 1,134 |
| Core capital (leverage) ratio | 13.3249% | 1,033 |
| Tier 1 risk-based capital ratio | 17.2430% | 2,493 |
| Total risk-based capital ratio | 18.3027% | 2,527 |
| Memoranda: | ||
| Average total assets | $25,565,200 | 7,088 |
| Average earning assets | $23,811,600 | 7,052 |
| Average equity | $3,587,800 | 6,856 |
| Average total loans | $19,970,400 | 6,659 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8510% | 3,775 |
| Cost of funding earning assets | 0.3736% | 7,079 |
| Net interest margin | 4.4774% | 1,201 |
| Noninterest income to average assets | 0.4333% | 4,414 |
| Noninterest expense to average assets | 3.3763% | 2,259 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.1783% | 1,717 |
| Return on assets (ROA) | 1.1783% | 1,837 |
| Pretax return on assets | 1.2364% | 2,500 |
| Return on Equity (ROE) | 8.3637% | 2,889 |
| Retained earnings to average equity (ytd only) | -0.4501% | 6,060 |
| Net charge-offs to loans | 0.2966% | 3,608 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 5.4420% | 2,784 |
| Efficiency ratio | 73.1959% | 3,333 |
| Assets per employee ($millions) | 2.9153% | 6,282 |
| Cash dividends to net income (ytd only)* | 105.3812% | 258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1229% | 5,798 |
| Loan loss allowance to noncurrent loans | 5,500.0000% | 87 |
| Noncurrent assets plus other real estate owned to assets | 0.4955% | 5,845 |
| Noncurrent loans to loans | 0.0204% | 6,889 |
| Net loans and leases to total assets | 73.8318% | 1,350 |
| Net loans and leases to deposits | 85.9908% | 1,692 |
| Net loans and leases to core deposits | 85.9908% | 2,770 |
| Total domestic deposits to total assets | 85.8602% | 3,296 |
| Equity capital to assets | 13.8768% | 1,209 |
| Core capital (leverage) ratio | 13.7184% | 981 |
| Tier 1 risk-based capital ratio | 19.5068% | 1,813 |
| Total risk-based capital ratio | 20.7343% | 1,790 |
| Memoranda: | ||
| Average total assets | $25,234,000 | 7,168 |
| Average earning assets | $23,554,500 | 7,133 |
| Average equity | $3,555,000 | 6,920 |
| Average total loans | $19,327,250 | 6,763 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7809% | 4,169 |
| Cost of funding earning assets | 0.3963% | 7,133 |
| Net interest margin | 4.3847% | 1,420 |
| Noninterest income to average assets | 0.3936% | 4,732 |
| Noninterest expense to average assets | 3.4218% | 2,203 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.0040% | 2,215 |
| Return on assets (ROA) | 1.0040% | 2,311 |
| Pretax return on assets | 1.0603% | 3,008 |
| Return on Equity (ROE) | 7.0895% | 3,411 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,830 |
| Net charge-offs to loans | 0.1040% | 4,646 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 13.2000% | 1,567 |
| Efficiency ratio | 76.3441% | 2,959 |
| Assets per employee ($millions) | 2.9387% | 6,219 |
| Cash dividends to net income (ytd only)* | 100.0000% | 468 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3220% | 4,960 |
| Loan loss allowance to noncurrent loans | 356.3380% | 897 |
| Noncurrent assets plus other real estate owned to assets | 0.6276% | 5,669 |
| Noncurrent loans to loans | 0.3710% | 6,163 |
| Net loans and leases to total assets | 71.4043% | 1,906 |
| Net loans and leases to deposits | 82.8398% | 2,309 |
| Net loans and leases to core deposits | 82.8398% | 3,384 |
| Total domestic deposits to total assets | 86.1956% | 3,219 |
| Equity capital to assets | 13.5889% | 1,250 |
| Core capital (leverage) ratio | 13.4242% | 1,018 |
| Tier 1 risk-based capital ratio | 21.3175% | 1,360 |
| Total risk-based capital ratio | 22.5693% | 1,346 |
| Memoranda: | ||
| Average total assets | $24,899,330 | 7,242 |
| Average earning assets | $23,217,330 | 7,207 |
| Average equity | $3,526,330 | 6,974 |
| Average total loans | $19,239,000 | 6,829 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7675% | 4,217 |
| Cost of funding earning assets | 0.4254% | 7,170 |
| Net interest margin | 4.3421% | 1,441 |
| Noninterest income to average assets | 0.4477% | 4,309 |
| Noninterest expense to average assets | 3.8964% | 1,175 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.5969% | 4,046 |
| Return on assets (ROA) | 0.5969% | 4,117 |
| Pretax return on assets | 0.6135% | 4,637 |
| Return on Equity (ROE) | 4.1231% | 4,837 |
| Retained earnings to average equity (ytd only) | -8.4753% | 6,780 |
| Net charge-offs to loans | 0.1037% | 3,915 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 7.4000% | 1,954 |
| Efficiency ratio | 86.3971% | 1,670 |
| Assets per employee ($millions) | 2.7806% | 6,566 |
| Cash dividends to net income (ytd only)* | 305.5556% | 92 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3743% | 4,789 |
| Loan loss allowance to noncurrent loans | 477.7778% | 665 |
| Noncurrent assets plus other real estate owned to assets | 0.7992% | 5,311 |
| Noncurrent loans to loans | 0.2876% | 6,414 |
| Net loans and leases to total assets | 73.9860% | 1,347 |
| Net loans and leases to deposits | 86.0602% | 1,721 |
| Net loans and leases to core deposits | 86.0602% | 2,866 |
| Total domestic deposits to total assets | 85.9700% | 3,542 |
| Equity capital to assets | 13.8382% | 1,055 |
| Core capital (leverage) ratio | 14.1375% | 824 |
| Tier 1 risk-based capital ratio | 19.8417% | 1,618 |
| Total risk-based capital ratio | 21.1360% | 1,576 |
| Memoranda: | ||
| Average total assets | $24,125,000 | 7,313 |
| Average earning assets | $22,569,500 | 7,280 |
| Average equity | $3,492,500 | 7,019 |
| Average total loans | $19,289,500 | 6,881 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8945% | 5,059 |
| Cost of funding earning assets | 0.5171% | 7,275 |
| Net interest margin | 4.3774% | 1,564 |
| Noninterest income to average assets | 0.5292% | 3,962 |
| Noninterest expense to average assets | 3.6345% | 1,833 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.9435% | 2,226 |
| Return on assets (ROA) | 0.9435% | 2,353 |
| Pretax return on assets | 0.9927% | 2,952 |
| Return on Equity (ROE) | 6.5891% | 3,305 |
| Retained earnings to average equity (ytd only) | 0.1432% | 5,510 |
| Net charge-offs to loans | 0.2000% | 5,089 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | 7.1176% | 2,198 |
| Efficiency ratio | 78.5461% | 2,607 |
| Assets per employee ($millions) | 2.5806% | 6,882 |
| Cash dividends to net income (ytd only)* | 97.8261% | 427 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3279% | 4,862 |
| Loan loss allowance to noncurrent loans | 169.6774% | 1,758 |
| Noncurrent assets plus other real estate owned to assets | 0.8870% | 5,241 |
| Noncurrent loans to loans | 0.7826% | 5,475 |
| Net loans and leases to total assets | 84.1464% | 290 |
| Net loans and leases to deposits | 99.3998% | 614 |
| Net loans and leases to core deposits | 99.3998% | 1,663 |
| Total domestic deposits to total assets | 84.6545% | 4,027 |
| Equity capital to assets | 15.1647% | 749 |
| Core capital (leverage) ratio | 14.5506% | 741 |
| Tier 1 risk-based capital ratio | 19.7779% | 1,533 |
| Total risk-based capital ratio | 21.0295% | 1,501 |
| Memoranda: | ||
| Average total assets | $24,377,400 | 7,364 |
| Average earning assets | $22,821,600 | 7,326 |
| Average equity | $3,490,600 | 7,138 |
| Average total loans | $17,001,800 | 7,075 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8454% | 5,484 |
| Cost of funding earning assets | 0.5249% | 7,410 |
| Net interest margin | 4.3205% | 1,773 |
| Noninterest income to average assets | 0.5027% | 4,166 |
| Noninterest expense to average assets | 3.6703% | 1,632 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.8379% | 2,852 |
| Return on assets (ROA) | 0.8379% | 2,980 |
| Pretax return on assets | 0.8811% | 3,621 |
| Return on Equity (ROE) | 5.9338% | 3,846 |
| Retained earnings to average equity (ytd only) | -2.6798% | 6,310 |
| Net charge-offs to loans | 0.0409% | 6,136 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 32.5832% | 826 |
| Efficiency ratio | 80.6413% | 2,260 |
| Assets per employee ($millions) | 2.9159% | 6,334 |
| Cash dividends to net income (ytd only)* | 145.1611% | 151 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6212% | 3,440 |
| Loan loss allowance to noncurrent loans | 159.5628% | 1,788 |
| Noncurrent assets plus other real estate owned to assets | 0.8917% | 5,318 |
| Noncurrent loans to loans | 1.0160% | 5,204 |
| Net loans and leases to total assets | 67.5190% | 3,328 |
| Net loans and leases to deposits | 78.1709% | 3,797 |
| Net loans and leases to core deposits | 79.0462% | 4,655 |
| Total domestic deposits to total assets | 86.3735% | 2,871 |
| Equity capital to assets | 13.2835% | 1,455 |
| Core capital (leverage) ratio | 14.4219% | 829 |
| Tier 1 risk-based capital ratio | 20.1633% | 1,517 |
| Total risk-based capital ratio | 21.4202% | 1,482 |
| Memoranda: | ||
| Average total assets | $24,665,500 | 7,450 |
| Average earning assets | $23,114,000 | 7,409 |
| Average equity | $3,482,750 | 7,233 |
| Average total loans | $16,300,750 | 7,199 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0475% | 4,718 |
| Cost of funding earning assets | 0.5579% | 7,473 |
| Net interest margin | 4.4896% | 1,224 |
| Noninterest income to average assets | 0.4474% | 4,543 |
| Noninterest expense to average assets | 3.8029% | 1,355 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.8037% | 2,956 |
| Return on assets (ROA) | 0.8037% | 3,095 |
| Pretax return on assets | 0.8451% | 3,725 |
| Return on Equity (ROE) | 5.5720% | 4,012 |
| Retained earnings to average equity (ytd only) | -1.8956% | 6,130 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.8182% | 2,195 |
| Assets per employee ($millions) | 2.5802% | 6,983 |
| Cash dividends to net income (ytd only)* | 134.0206% | 222 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7444% | 2,921 |
| Loan loss allowance to noncurrent loans | 221.6418% | 1,270 |
| Noncurrent assets plus other real estate owned to assets | 0.7967% | 5,519 |
| Noncurrent loans to loans | 0.7870% | 5,700 |
| Net loans and leases to total assets | 72.0394% | 2,390 |
| Net loans and leases to deposits | 85.0959% | 2,683 |
| Net loans and leases to core deposits | 85.0959% | 3,980 |
| Total domestic deposits to total assets | 84.6568% | 3,789 |
| Equity capital to assets | 15.0418% | 874 |
| Core capital (leverage) ratio | 14.1120% | 904 |
| Tier 1 risk-based capital ratio | 21.2206% | 1,309 |
| Total risk-based capital ratio | 22.4804% | 1,276 |
| Memoranda: | ||
| Average total assets | $24,139,670 | 7,531 |
| Average earning assets | $22,585,330 | 7,489 |
| Average equity | $3,481,670 | 7,268 |
| Average total loans | $15,730,670 | 7,275 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9630% | 5,183 |
| Cost of funding earning assets | 0.5767% | 7,564 |
| Net interest margin | 4.3863% | 1,427 |
| Noninterest income to average assets | 0.4391% | 4,568 |
| Noninterest expense to average assets | 3.7726% | 1,366 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.7480% | 3,224 |
| Return on assets (ROA) | 0.7480% | 3,331 |
| Pretax return on assets | 0.7480% | 4,070 |
| Return on Equity (ROE) | 5.2934% | 4,214 |
| Retained earnings to average equity (ytd only) | -6.2140% | 6,678 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.4532% | 2,077 |
| Assets per employee ($millions) | 2.7611% | 6,732 |
| Cash dividends to net income (ytd only)* | 217.3913% | 168 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0137% | 2,149 |
| Loan loss allowance to noncurrent loans | 81.5934% | 3,349 |
| Noncurrent assets plus other real estate owned to assets | 1.6700% | 3,967 |
| Noncurrent loans to loans | 2.4680% | 3,199 |
| Net loans and leases to total assets | 58.1569% | 5,405 |
| Net loans and leases to deposits | 67.7670% | 5,621 |
| Net loans and leases to core deposits | 67.7670% | 6,123 |
| Total domestic deposits to total assets | 85.8189% | 3,246 |
| Equity capital to assets | 13.9437% | 1,160 |
| Core capital (leverage) ratio | 14.6113% | 828 |
| Tier 1 risk-based capital ratio | 21.2181% | 1,305 |
| Total risk-based capital ratio | 22.4731% | 1,282 |
| Memoranda: | ||
| Average total assets | $24,598,500 | 7,600 |
| Average earning assets | $22,889,500 | 7,569 |
| Average equity | $3,476,000 | 7,350 |
| Average total loans | $15,083,000 | 7,399 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7867% | 6,975 |
| Cost of funding earning assets | 0.6902% | 7,693 |
| Net interest margin | 4.0965% | 2,463 |
| Noninterest income to average assets | 0.4745% | 4,619 |
| Noninterest expense to average assets | 3.7033% | 1,910 |
| Loan and lease loss provision to assets | 0.1297% | 6,340 |
| Net operating income to assets | 0.3781% | 4,216 |
| Return on assets (ROA) | 0.3781% | 4,317 |
| Pretax return on assets | 0.4041% | 4,485 |
| Return on Equity (ROE) | 2.8982% | 4,551 |
| Retained earnings to average equity (ytd only) | -4.0632% | 5,878 |
| Net charge-offs to loans | 0.2858% | 4,842 |
| Credit loss provision to net charge-offs | 81.3953% | 6,254 |
| Earnings coverage of net charge-offs (x) | 3.3488% | 3,380 |
| Efficiency ratio | 87.4016% | 1,937 |
| Assets per employee ($millions) | 2.7052% | 6,847 |
| Cash dividends to net income (ytd only)* | 240.1961% | 146 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9264% | 2,201 |
| Loan loss allowance to noncurrent loans | 142.1053% | 2,010 |
| Noncurrent assets plus other real estate owned to assets | 1.1377% | 4,818 |
| Noncurrent loans to loans | 1.3556% | 4,658 |
| Net loans and leases to total assets | 62.1021% | 4,970 |
| Net loans and leases to deposits | 72.6783% | 5,236 |
| Net loans and leases to core deposits | 75.2726% | 6,454 |
| Total domestic deposits to total assets | 85.4479% | 3,320 |
| Equity capital to assets | 14.3221% | 1,072 |
| Core capital (leverage) ratio | 14.3931% | 903 |
| Tier 1 risk-based capital ratio | 20.7205% | 1,342 |
| Total risk-based capital ratio | 21.9744% | 1,309 |
| Memoranda: | ||
| Average total assets | $26,975,800 | 7,586 |
| Average earning assets | $24,777,200 | 7,553 |
| Average equity | $3,519,400 | 7,439 |
| Average total loans | $15,044,000 | 7,451 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6819% | 7,307 |
| Cost of funding earning assets | 0.7041% | 7,807 |
| Net interest margin | 3.9778% | 2,900 |
| Noninterest income to average assets | 0.4439% | 4,944 |
| Noninterest expense to average assets | 3.6960% | 1,828 |
| Loan and lease loss provision to assets | 0.1689% | 5,670 |
| Net operating income to assets | 0.1834% | 5,214 |
| Return on assets (ROA) | 0.1834% | 5,281 |
| Pretax return on assets | 0.2316% | 5,224 |
| Return on Equity (ROE) | 1.4364% | 5,356 |
| Retained earnings to average equity (ytd only) | -7.8240% | 6,582 |
| Net charge-offs to loans | 0.3211% | 4,030 |
| Credit loss provision to net charge-offs | 97.2222% | 5,255 |
| Earnings coverage of net charge-offs (x) | 2.3054% | 4,098 |
| Efficiency ratio | 90.2238% | 1,669 |
| Assets per employee ($millions) | 3.1761% | 5,707 |
| Cash dividends to net income (ytd only)* | 644.6813% | 54 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1287% | 1,547 |
| Loan loss allowance to noncurrent loans | 218.7050% | 1,351 |
| Noncurrent assets plus other real estate owned to assets | 0.9411% | 5,186 |
| Noncurrent loans to loans | 0.9733% | 5,354 |
| Net loans and leases to total assets | 48.8963% | 6,876 |
| Net loans and leases to deposits | 55.8834% | 7,097 |
| Net loans and leases to core deposits | 57.0560% | 7,505 |
| Total domestic deposits to total assets | 87.4969% | 1,890 |
| Equity capital to assets | 12.0833% | 2,200 |
| Core capital (leverage) ratio | 13.6279% | 1,194 |
| Tier 1 risk-based capital ratio | 21.8335% | 1,239 |
| Total risk-based capital ratio | 23.0779% | 1,222 |
| Memoranda: | ||
| Average total assets | $27,633,000 | 7,628 |
| Average earning assets | $25,373,500 | 7,593 |
| Average equity | $3,527,500 | 7,503 |
| Average total loans | $14,950,750 | 7,526 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6461% | 7,465 |
| Cost of funding earning assets | 0.7440% | 7,876 |
| Net interest margin | 3.9021% | 3,104 |
| Noninterest income to average assets | 0.4027% | 5,260 |
| Noninterest expense to average assets | 3.5877% | 2,100 |
| Loan and lease loss provision to assets | 0.2563% | 4,525 |
| Net operating income to assets | 0.0952% | 5,581 |
| Return on assets (ROA) | 0.0952% | 5,676 |
| Pretax return on assets | 0.1684% | 5,543 |
| Return on Equity (ROE) | 0.7320% | 5,715 |
| Retained earnings to average equity (ytd only) | -13.0631% | 7,117 |
| Net charge-offs to loans | 0.4481% | 3,026 |
| Credit loss provision to net charge-offs | 102.9412% | 4,448 |
| Earnings coverage of net charge-offs (x) | 1.7059% | 4,279 |
| Efficiency ratio | 89.4161% | 1,869 |
| Assets per employee ($millions) | 2.8490% | 6,516 |
| Cash dividends to net income (ytd only)* | 1,884.6154% | 18 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2180% | 1,209 |
| Loan loss allowance to noncurrent loans | 175.8621% | 1,695 |
| Noncurrent assets plus other real estate owned to assets | 1.1856% | 4,566 |
| Noncurrent loans to loans | 1.2612% | 4,678 |
| Net loans and leases to total assets | 52.6111% | 6,613 |
| Net loans and leases to deposits | 61.2792% | 6,796 |
| Net loans and leases to core deposits | 62.9139% | 7,340 |
| Total domestic deposits to total assets | 85.8547% | 2,859 |
| Equity capital to assets | 13.3302% | 1,547 |
| Core capital (leverage) ratio | 12.6717% | 1,552 |
| Tier 1 risk-based capital ratio | 22.0244% | 1,252 |
| Total risk-based capital ratio | 23.2824% | 1,223 |
| Memoranda: | ||
| Average total assets | $27,315,670 | 7,711 |
| Average earning assets | $25,268,670 | 7,665 |
| Average equity | $3,552,000 | 7,553 |
| Average total loans | $15,174,000 | 7,582 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8831% | 7,209 |
| Cost of funding earning assets | 0.7596% | 7,950 |
| Net interest margin | 4.1235% | 2,199 |
| Noninterest income to average assets | 0.3836% | 5,350 |
| Noninterest expense to average assets | 3.3673% | 2,449 |
| Loan and lease loss provision to assets | 0.4973% | 2,485 |
| Net operating income to assets | 0.2984% | 5,306 |
| Return on assets (ROA) | 0.2984% | 5,477 |
| Pretax return on assets | 0.2984% | 5,687 |
| Return on Equity (ROE) | 2.3211% | 5,654 |
| Retained earnings to average equity (ytd only) | -10.3896% | 7,148 |
| Net charge-offs to loans | 0.8573% | 1,527 |
| Credit loss provision to net charge-offs | 102.9412% | 3,644 |
| Earnings coverage of net charge-offs (x) | 1.6471% | 3,907 |
| Efficiency ratio | 80.8874% | 2,689 |
| Assets per employee ($millions) | 3.0900% | 5,917 |
| Cash dividends to net income (ytd only)* | 547.6190% | 60 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0587% | 1,311 |
| Loan loss allowance to noncurrent loans | 419.1781% | 833 |
| Noncurrent assets plus other real estate owned to assets | 0.5466% | 5,835 |
| Noncurrent loans to loans | 0.4911% | 6,199 |
| Net loans and leases to total assets | 52.3481% | 6,646 |
| Net loans and leases to deposits | 60.2491% | 6,876 |
| Net loans and leases to core deposits | 61.7021% | 7,402 |
| Total domestic deposits to total assets | 86.8860% | 2,273 |
| Equity capital to assets | 12.8155% | 1,827 |
| Core capital (leverage) ratio | 14.8445% | 999 |
| Tier 1 risk-based capital ratio | 19.7960% | 1,654 |
| Total risk-based capital ratio | 21.0500% | 1,611 |
| Memoranda: | ||
| Average total assets | $28,153,000 | 7,726 |
| Average earning assets | $25,803,500 | 7,693 |
| Average equity | $3,619,000 | 7,585 |
| Average total loans | $15,863,000 | 7,585 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8569% | 6,247 |
| Cost of funding earning assets | 1.2693% | 7,873 |
| Net interest margin | 4.5876% | 1,217 |
| Noninterest income to average assets | 0.6350% | 3,598 |
| Noninterest expense to average assets | 3.4039% | 2,665 |
| Loan and lease loss provision to assets | 0.8003% | 1,854 |
| Net operating income to assets | 0.6049% | 4,281 |
| Return on assets (ROA) | 0.6049% | 4,142 |
| Pretax return on assets | 0.6537% | 4,537 |
| Return on Equity (ROE) | 4.3919% | 4,639 |
| Retained earnings to average equity (ytd only) | -3.3553% | 6,196 |
| Net charge-offs to loans | 0.3956% | 2,836 |
| Credit loss provision to net charge-offs | 322.7273% | 1,396 |
| Earnings coverage of net charge-offs (x) | 5.8636% | 3,504 |
| Efficiency ratio | 70.0696% | 4,336 |
| Assets per employee ($millions) | 3.1662% | 5,573 |
| Cash dividends to net income (ytd only)* | 176.3975% | 372 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8088% | 1,610 |
| Loan loss allowance to noncurrent loans | 147.3430% | 2,496 |
| Noncurrent assets plus other real estate owned to assets | 1.0036% | 4,319 |
| Noncurrent loans to loans | 1.2276% | 4,058 |
| Net loans and leases to total assets | 58.1029% | 6,185 |
| Net loans and leases to deposits | 66.8970% | 6,573 |
| Net loans and leases to core deposits | 68.1751% | 7,277 |
| Total domestic deposits to total assets | 86.8543% | 2,003 |
| Equity capital to assets | 12.8930% | 1,830 |
| Core capital (leverage) ratio | 14.3702% | 1,172 |
| Tier 1 risk-based capital ratio | 19.4360% | 1,719 |
| Total risk-based capital ratio | 20.6887% | 1,679 |
| Memoranda: | ||
| Average total assets | $26,616,200 | 7,781 |
| Average earning assets | $24,501,000 | 7,765 |
| Average equity | $3,665,800 | 7,624 |
| Average total loans | $16,681,600 | 7,540 |