Home > Lusk State Bank > Performance and Condition Ratios
Lusk State Bank, Performance and Condition Ratios
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1471% | 1,023 |
| Cost of funding earning assets | 0.5685% | 3,481 |
| Net interest margin | 4.5786% | 519 |
| Noninterest income to average assets | 0.6800% | 1,161 |
| Noninterest expense to average assets | 2.6366% | 1,858 |
| Loan and lease loss provision to assets | -1.2500% | 4,669 |
| Net operating income to assets | 3.3339% | 129 |
| Return on assets (ROA) | 3.3339% | 128 |
| Pretax return on assets | 3.3339% | 159 |
| Return on Equity (ROE) | 24.8500% | 413 |
| Retained earnings to average equity (ytd only) | 13.4829% | 1,012 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 50.4619% | 3,897 |
| Assets per employee ($millions) | 12.3302% | 361 |
| Cash dividends to net income (ytd only)* | 45.7516% | 1,299 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7609% | 4,160 |
| Loan loss allowance to noncurrent loans | 61.1650% | 3,622 |
| Noncurrent assets plus other real estate owned to assets | 0.6961% | 704 |
| Noncurrent loans to loans | 1.2440% | 554 |
| Net loans and leases to total assets | 55.5300% | 3,068 |
| Net loans and leases to deposits | 64.2595% | 3,063 |
| Net loans and leases to core deposits | 74.6475% | 2,631 |
| Total domestic deposits to total assets | 86.4200% | 2,468 |
| Equity capital to assets | 13.4210% | 679 |
| Core capital (leverage) ratio | 11.5126% | 1,553 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $73,428,500 | 4,169 |
| Average earning assets | $64,735,500 | 4,188 |
| Average equity | $9,849,500 | 3,802 |
| Average total loans | $41,018,000 | 4,051 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7390% | 4,375 |
| Cost of funding earning assets | 0.0875% | 4,439 |
| Net interest margin | 2.6515% | 4,112 |
| Noninterest income to average assets | 0.5300% | 1,938 |
| Noninterest expense to average assets | 1.3442% | 4,541 |
| Loan and lease loss provision to assets | 0.0700% | 1,594 |
| Net operating income to assets | 1.4720% | 957 |
| Return on assets (ROA) | 1.5495% | 752 |
| Pretax return on assets | 1.5495% | 1,294 |
| Return on Equity (ROE) | 12.1700% | 2,088 |
| Retained earnings to average equity (ytd only) | 7.0850% | 2,203 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 41.5546% | 4,502 |
| Assets per employee ($millions) | 12.1460% | 374 |
| Cash dividends to net income (ytd only)* | 41.7980% | 1,810 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1107% | 4,595 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 55.7000% | 3,063 |
| Net loans and leases to deposits | 66.3241% | 2,872 |
| Net loans and leases to core deposits | 71.1858% | 2,786 |
| Total domestic deposits to total assets | 83.9800% | 3,214 |
| Equity capital to assets | 13.4063% | 644 |
| Core capital (leverage) ratio | 11.2601% | 1,641 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $69,634,600 | 4,232 |
| Average earning assets | $61,701,800 | 4,242 |
| Average equity | $8,863,800 | 4,003 |
| Average total loans | $35,362,400 | 4,150 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9315% | 4,623 |
| Cost of funding earning assets | 0.0507% | 4,576 |
| Net interest margin | 1.8808% | 4,589 |
| Noninterest income to average assets | 0.3200% | 3,246 |
| Noninterest expense to average assets | 0.9144% | 4,690 |
| Loan and lease loss provision to assets | 0.0500% | 1,750 |
| Net operating income to assets | 1.0074% | 2,456 |
| Return on assets (ROA) | 1.0422% | 2,275 |
| Pretax return on assets | 1.0422% | 2,897 |
| Return on Equity (ROE) | 8.3000% | 3,237 |
| Retained earnings to average equity (ytd only) | 8.3049% | 1,885 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 46.3654% | 4,361 |
| Assets per employee ($millions) | 11.7947% | 409 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0562% | 4,645 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 62.8700% | 2,206 |
| Net loans and leases to deposits | 73.1584% | 2,115 |
| Net loans and leases to core deposits | 77.8390% | 2,048 |
| Total domestic deposits to total assets | 85.9400% | 3,077 |
| Equity capital to assets | 13.7294% | 591 |
| Core capital (leverage) ratio | 11.0109% | 1,730 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $68,824,250 | 4,271 |
| Average earning assets | $60,470,250 | 4,287 |
| Average equity | $8,637,250 | 4,076 |
| Average total loans | $34,043,750 | 4,194 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.7860% | 4,748 |
| Cost of funding earning assets | 0.0164% | 4,727 |
| Net interest margin | 0.7697% | 4,747 |
| Noninterest income to average assets | 0.1408% | 4,311 |
| Noninterest expense to average assets | 0.3784% | 4,761 |
| Loan and lease loss provision to assets | 0.0205% | 2,233 |
| Net operating income to assets | 0.4312% | 4,051 |
| Return on assets (ROA) | 0.5632% | 3,671 |
| Pretax return on assets | 0.5632% | 3,886 |
| Return on Equity (ROE) | 4.6390% | 3,884 |
| Retained earnings to average equity (ytd only) | 4.6390% | 2,836 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.5830% | 4,470 |
| Assets per employee ($millions) | 9.8620% | 691 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0191% | 4,717 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 52.9768% | 3,064 |
| Net loans and leases to deposits | 61.7259% | 2,911 |
| Net loans and leases to core deposits | 66.0777% | 2,811 |
| Total domestic deposits to total assets | 85.8258% | 3,292 |
| Equity capital to assets | 13.7773% | 552 |
| Core capital (leverage) ratio | 10.9184% | 1,666 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $68,176,333 | 4,321 |
| Average earning assets | $61,066,667 | 4,338 |
| Average equity | $8,277,667 | 4,173 |
| Average total loans | $30,552,667 | 4,302 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7905% | 3,762 |
| Cost of funding earning assets | 0.0978% | 4,157 |
| Net interest margin | 2.6927% | 3,421 |
| Noninterest income to average assets | 0.7085% | 1,288 |
| Noninterest expense to average assets | 2.1964% | 2,845 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.9506% | 2,073 |
| Return on assets (ROA) | 0.9093% | 2,243 |
| Pretax return on assets | 0.9093% | 2,741 |
| Return on Equity (ROE) | 8.0407% | 2,678 |
| Retained earnings to average equity (ytd only) | -13.1576% | 4,618 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7936% | 2,260 |
| Assets per employee ($millions) | 8.4768% | 1,134 |
| Cash dividends to net income (ytd only)* | 263.6364% | 133 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7616% | 941 |
| Loan loss allowance to noncurrent loans | 68.9320% | 3,673 |
| Noncurrent assets plus other real estate owned to assets | 1.0632% | 457 |
| Noncurrent loans to loans | 2.5556% | 231 |
| Net loans and leases to total assets | 40.8706% | 3,954 |
| Net loans and leases to deposits | 45.7503% | 3,992 |
| Net loans and leases to core deposits | 48.9414% | 3,932 |
| Total domestic deposits to total assets | 89.3341% | 1,909 |
| Equity capital to assets | 10.5716% | 1,563 |
| Core capital (leverage) ratio | 11.7493% | 1,171 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $67,747,500 | 4,349 |
| Average earning assets | $61,351,500 | 4,355 |
| Average equity | $7,661,000 | 4,298 |
| Average total loans | $27,539,500 | 4,376 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6756% | 2,184 |
| Cost of funding earning assets | 0.1161% | 4,265 |
| Net interest margin | 3.5595% | 1,580 |
| Noninterest income to average assets | 0.7166% | 1,702 |
| Noninterest expense to average assets | 2.2609% | 2,911 |
| Loan and lease loss provision to assets | 0.0232% | 2,604 |
| Net operating income to assets | 1.6509% | 704 |
| Return on assets (ROA) | 1.5474% | 955 |
| Pretax return on assets | 1.5474% | 1,576 |
| Return on Equity (ROE) | 12.4621% | 1,668 |
| Retained earnings to average equity (ytd only) | 2.2884% | 3,891 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.4568% | 3,529 |
| Assets per employee ($millions) | 8.4601% | 1,097 |
| Cash dividends to net income (ytd only)* | 81.6367% | 470 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8499% | 794 |
| Loan loss allowance to noncurrent loans | 99.0040% | 3,407 |
| Noncurrent assets plus other real estate owned to assets | 0.7417% | 832 |
| Noncurrent loans to loans | 1.8685% | 433 |
| Net loans and leases to total assets | 38.9607% | 4,148 |
| Net loans and leases to deposits | 44.3840% | 4,156 |
| Net loans and leases to core deposits | 47.9750% | 4,093 |
| Total domestic deposits to total assets | 87.7809% | 2,159 |
| Equity capital to assets | 12.0462% | 1,232 |
| Core capital (leverage) ratio | 12.1016% | 1,053 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $64,752,000 | 4,395 |
| Average earning assets | $58,547,800 | 4,400 |
| Average equity | $8,040,400 | 4,325 |
| Average total loans | $29,408,400 | 4,387 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9696% | 1,611 |
| Cost of funding earning assets | 0.1195% | 4,358 |
| Net interest margin | 3.8501% | 1,022 |
| Noninterest income to average assets | 0.7310% | 1,728 |
| Noninterest expense to average assets | 2.3055% | 2,738 |
| Loan and lease loss provision to assets | 0.0297% | 2,403 |
| Net operating income to assets | 1.8848% | 577 |
| Return on assets (ROA) | 1.7723% | 736 |
| Pretax return on assets | 1.7723% | 1,229 |
| Return on Equity (ROE) | 14.1613% | 1,348 |
| Retained earnings to average equity (ytd only) | 1.1149% | 4,391 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.6397% | 3,712 |
| Assets per employee ($millions) | 8.2000% | 1,174 |
| Cash dividends to net income (ytd only)* | 92.1269% | 257 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6829% | 1,140 |
| Loan loss allowance to noncurrent loans | 918.5185% | 844 |
| Noncurrent assets plus other real estate owned to assets | 0.0823% | 3,550 |
| Noncurrent loans to loans | 0.1832% | 3,210 |
| Net loans and leases to total assets | 44.1723% | 3,941 |
| Net loans and leases to deposits | 50.5239% | 3,984 |
| Net loans and leases to core deposits | 54.5101% | 3,883 |
| Total domestic deposits to total assets | 87.4284% | 2,146 |
| Equity capital to assets | 12.3476% | 1,240 |
| Core capital (leverage) ratio | 12.4785% | 989 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $64,019,750 | 4,465 |
| Average earning assets | $58,005,500 | 4,470 |
| Average equity | $8,012,250 | 4,389 |
| Average total loans | $30,044,000 | 4,430 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3617% | 903 |
| Cost of funding earning assets | 0.1250% | 4,393 |
| Net interest margin | 4.2367% | 550 |
| Noninterest income to average assets | 0.7339% | 1,704 |
| Noninterest expense to average assets | 2.3656% | 2,565 |
| Loan and lease loss provision to assets | 0.0283% | 2,415 |
| Net operating income to assets | 2.1829% | 350 |
| Return on assets (ROA) | 1.9845% | 524 |
| Pretax return on assets | 1.9845% | 864 |
| Return on Equity (ROE) | 15.7835% | 997 |
| Retained earnings to average equity (ytd only) | -2.2798% | 4,682 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.6862% | 4,076 |
| Assets per employee ($millions) | 7.8446% | 1,281 |
| Cash dividends to net income (ytd only)* | 114.4444% | 194 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5859% | 1,310 |
| Loan loss allowance to noncurrent loans | 495.9596% | 1,284 |
| Noncurrent assets plus other real estate owned to assets | 0.1578% | 3,203 |
| Noncurrent loans to loans | 0.3198% | 2,772 |
| Net loans and leases to total assets | 48.5524% | 3,676 |
| Net loans and leases to deposits | 55.7956% | 3,728 |
| Net loans and leases to core deposits | 59.8401% | 3,628 |
| Total domestic deposits to total assets | 87.0182% | 2,309 |
| Equity capital to assets | 12.6998% | 1,047 |
| Core capital (leverage) ratio | 12.0939% | 1,055 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $63,493,000 | 4,496 |
| Average earning assets | $57,591,667 | 4,506 |
| Average equity | $7,983,000 | 4,414 |
| Average total loans | $30,234,333 | 4,464 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2329% | 3,624 |
| Cost of funding earning assets | 0.1307% | 4,454 |
| Net interest margin | 3.1022% | 2,981 |
| Noninterest income to average assets | 0.7433% | 1,735 |
| Noninterest expense to average assets | 2.2922% | 2,818 |
| Loan and lease loss provision to assets | 0.0312% | 2,365 |
| Net operating income to assets | 1.2367% | 2,019 |
| Return on assets (ROA) | 1.2367% | 2,106 |
| Pretax return on assets | 1.2367% | 2,744 |
| Return on Equity (ROE) | 9.6762% | 2,797 |
| Retained earnings to average equity (ytd only) | -12.7062% | 4,856 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3860% | 2,423 |
| Assets per employee ($millions) | 7.1386% | 1,694 |
| Cash dividends to net income (ytd only)* | 231.3131% | 86 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6313% | 1,213 |
| Loan loss allowance to noncurrent loans | 535.1648% | 1,113 |
| Noncurrent assets plus other real estate owned to assets | 0.1416% | 3,466 |
| Noncurrent loans to loans | 0.3048% | 3,004 |
| Net loans and leases to total assets | 45.7095% | 3,981 |
| Net loans and leases to deposits | 52.3896% | 4,028 |
| Net loans and leases to core deposits | 55.2895% | 4,023 |
| Total domestic deposits to total assets | 87.2492% | 2,202 |
| Equity capital to assets | 12.6154% | 1,030 |
| Core capital (leverage) ratio | 12.2327% | 1,080 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $64,042,000 | 4,507 |
| Average earning assets | $58,153,000 | 4,518 |
| Average equity | $8,185,000 | 4,420 |
| Average total loans | $29,871,000 | 4,492 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8403% | 3,189 |
| Cost of funding earning assets | 0.2279% | 4,477 |
| Net interest margin | 3.6124% | 2,099 |
| Noninterest income to average assets | 1.1017% | 875 |
| Noninterest expense to average assets | 2.5308% | 2,752 |
| Loan and lease loss provision to assets | 0.0290% | 4,036 |
| Net operating income to assets | 1.7855% | 401 |
| Return on assets (ROA) | 1.7855% | 434 |
| Pretax return on assets | 1.7855% | 705 |
| Return on Equity (ROE) | 13.2865% | 968 |
| Retained earnings to average equity (ytd only) | 4.0608% | 2,790 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.2418% | 3,692 |
| Assets per employee ($millions) | 7.9796% | 1,046 |
| Cash dividends to net income (ytd only)* | 69.4365% | 974 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6127% | 1,261 |
| Loan loss allowance to noncurrent loans | 816.9492% | 785 |
| Noncurrent assets plus other real estate owned to assets | 0.0924% | 3,854 |
| Noncurrent loans to loans | 0.1974% | 3,497 |
| Net loans and leases to total assets | 46.0642% | 4,121 |
| Net loans and leases to deposits | 53.0258% | 4,161 |
| Net loans and leases to core deposits | 57.1190% | 4,088 |
| Total domestic deposits to total assets | 86.8713% | 2,000 |
| Equity capital to assets | 12.9470% | 1,110 |
| Core capital (leverage) ratio | 12.4963% | 1,040 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2125% | 1,018 |
| Memoranda: | ||
| Average total assets | $58,638,000 | 4,531 |
| Average earning assets | $52,652,600 | 4,549 |
| Average equity | $7,880,200 | 4,437 |
| Average total loans | $31,911,400 | 4,484 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1190% | 2,625 |
| Cost of funding earning assets | 0.2391% | 4,537 |
| Net interest margin | 3.8799% | 1,405 |
| Noninterest income to average assets | 0.6767% | 1,869 |
| Noninterest expense to average assets | 2.4834% | 2,898 |
| Loan and lease loss provision to assets | 0.0262% | 4,013 |
| Net operating income to assets | 1.6394% | 664 |
| Return on assets (ROA) | 1.6394% | 733 |
| Pretax return on assets | 1.6394% | 1,089 |
| Return on Equity (ROE) | 12.0758% | 1,345 |
| Retained earnings to average equity (ytd only) | -0.3426% | 4,536 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8655% | 3,405 |
| Assets per employee ($millions) | 7.6784% | 1,129 |
| Cash dividends to net income (ytd only)* | 102.8369% | 285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3797% | 1,828 |
| Loan loss allowance to noncurrent loans | 9,520.0000% | 93 |
| Noncurrent assets plus other real estate owned to assets | 0.0081% | 4,467 |
| Noncurrent loans to loans | 0.0145% | 4,385 |
| Net loans and leases to total assets | 55.3893% | 3,672 |
| Net loans and leases to deposits | 63.7392% | 3,809 |
| Net loans and leases to core deposits | 67.7000% | 3,772 |
| Total domestic deposits to total assets | 86.8999% | 1,713 |
| Equity capital to assets | 12.8836% | 1,237 |
| Core capital (leverage) ratio | 12.8427% | 990 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2449% | 1,750 |
| Memoranda: | ||
| Average total assets | $57,338,250 | 4,562 |
| Average earning assets | $51,306,000 | 4,586 |
| Average equity | $7,784,000 | 4,467 |
| Average total loans | $32,417,250 | 4,500 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2934% | 2,489 |
| Cost of funding earning assets | 0.2436% | 4,641 |
| Net interest margin | 4.0497% | 1,219 |
| Noninterest income to average assets | 0.7146% | 1,690 |
| Noninterest expense to average assets | 2.6405% | 2,550 |
| Loan and lease loss provision to assets | 0.0286% | 3,894 |
| Net operating income to assets | 1.6686% | 653 |
| Return on assets (ROA) | 1.6686% | 713 |
| Pretax return on assets | 1.6686% | 1,058 |
| Return on Equity (ROE) | 12.0661% | 1,320 |
| Retained earnings to average equity (ytd only) | -4.0565% | 4,731 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8731% | 3,294 |
| Assets per employee ($millions) | 6.0040% | 2,184 |
| Cash dividends to net income (ytd only)* | 133.6188% | 263 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4141% | 1,539 |
| 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 | 54.9217% | 3,792 |
| Net loans and leases to deposits | 63.2711% | 3,938 |
| Net loans and leases to core deposits | 67.0224% | 3,922 |
| Total domestic deposits to total assets | 86.8038% | 1,698 |
| Equity capital to assets | 13.0080% | 1,160 |
| Core capital (leverage) ratio | 13.3842% | 909 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9791% | 1,249 |
| Memoranda: | ||
| Average total assets | $55,975,000 | 4,599 |
| Average earning assets | $50,077,333 | 4,621 |
| Average equity | $7,740,667 | 4,492 |
| Average total loans | $31,723,000 | 4,531 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3934% | 2,642 |
| Cost of funding earning assets | 0.2413% | 4,792 |
| Net interest margin | 4.1521% | 1,019 |
| Noninterest income to average assets | 0.7267% | 1,542 |
| Noninterest expense to average assets | 2.8697% | 2,213 |
| Loan and lease loss provision to assets | 0.0222% | 3,528 |
| Net operating income to assets | 1.5350% | 718 |
| Return on assets (ROA) | 1.5350% | 786 |
| Pretax return on assets | 1.5350% | 1,221 |
| Return on Equity (ROE) | 10.7449% | 1,492 |
| Retained earnings to average equity (ytd only) | -13.1326% | 4,857 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8241% | 3,106 |
| Assets per employee ($millions) | 5.3630% | 2,261 |
| Cash dividends to net income (ytd only)* | 222.2222% | 254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4586% | 1,496 |
| Loan loss allowance to noncurrent loans | 187.6000% | 2,169 |
| Noncurrent assets plus other real estate owned to assets | 0.4662% | 2,604 |
| Noncurrent loans to loans | 0.7775% | 2,057 |
| Net loans and leases to total assets | 59.0807% | 3,587 |
| Net loans and leases to deposits | 68.9119% | 3,665 |
| Net loans and leases to core deposits | 73.1789% | 3,684 |
| Total domestic deposits to total assets | 85.7337% | 2,112 |
| Equity capital to assets | 14.1451% | 1,017 |
| Core capital (leverage) ratio | 13.7430% | 973 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1944% | 1,305 |
| Memoranda: | ||
| Average total assets | $53,942,500 | 4,644 |
| Average earning assets | $48,072,000 | 4,676 |
| Average equity | $7,706,000 | 4,522 |
| Average total loans | $30,860,500 | 4,575 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5125% | 2,902 |
| Cost of funding earning assets | 0.1927% | 4,975 |
| Net interest margin | 4.3198% | 1,047 |
| Noninterest income to average assets | 1.0497% | 861 |
| Noninterest expense to average assets | 2.8035% | 2,589 |
| Loan and lease loss provision to assets | 0.0340% | 3,330 |
| Net operating income to assets | 2.0634% | 298 |
| Return on assets (ROA) | 2.0634% | 312 |
| Pretax return on assets | 2.0634% | 521 |
| Return on Equity (ROE) | 14.7923% | 734 |
| Retained earnings to average equity (ytd only) | 5.2646% | 2,285 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.2034% | 4,062 |
| Assets per employee ($millions) | 5.4255% | 2,135 |
| Cash dividends to net income (ytd only)* | 64.4099% | 1,359 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5795% | 1,022 |
| 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 | 53.6356% | 4,101 |
| Net loans and leases to deposits | 62.8469% | 4,147 |
| Net loans and leases to core deposits | 66.7079% | 4,152 |
| Total domestic deposits to total assets | 85.3433% | 2,369 |
| Equity capital to assets | 14.4245% | 955 |
| Core capital (leverage) ratio | 14.6991% | 742 |
| Tier 1 risk-based capital ratio | 19.0717% | 1,497 |
| Total risk-based capital ratio | 20.2284% | 1,488 |
| Memoranda: | ||
| Average total assets | $52,970,000 | 4,702 |
| Average earning assets | $47,224,600 | 4,728 |
| Average equity | $7,389,000 | 4,591 |
| Average total loans | $31,033,600 | 4,620 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5877% | 2,761 |
| Cost of funding earning assets | 0.1789% | 5,076 |
| Net interest margin | 4.4089% | 929 |
| Noninterest income to average assets | 0.7471% | 1,602 |
| Noninterest expense to average assets | 2.8313% | 2,464 |
| Loan and lease loss provision to assets | 0.0355% | 3,180 |
| Net operating income to assets | 1.8132% | 594 |
| Return on assets (ROA) | 1.8132% | 629 |
| Pretax return on assets | 1.8132% | 1,051 |
| Return on Equity (ROE) | 13.1136% | 1,235 |
| Retained earnings to average equity (ytd only) | 0.2198% | 4,720 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4978% | 3,545 |
| Assets per employee ($millions) | 5.2616% | 2,272 |
| Cash dividends to net income (ytd only)* | 98.3240% | 345 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4335% | 1,446 |
| 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 | 60.3733% | 3,644 |
| Net loans and leases to deposits | 70.5645% | 3,728 |
| Net loans and leases to core deposits | 70.5645% | 4,030 |
| Total domestic deposits to total assets | 85.5576% | 2,182 |
| Equity capital to assets | 14.1554% | 1,091 |
| Core capital (leverage) ratio | 14.1245% | 951 |
| Tier 1 risk-based capital ratio | 19.7556% | 1,412 |
| Total risk-based capital ratio | 21.0018% | 1,373 |
| Memoranda: | ||
| Average total assets | $52,648,750 | 4,778 |
| Average earning assets | $46,964,500 | 4,799 |
| Average equity | $7,279,750 | 4,659 |
| Average total loans | $31,400,250 | 4,676 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5531% | 2,832 |
| Cost of funding earning assets | 0.1570% | 5,149 |
| Net interest margin | 4.3961% | 947 |
| Noninterest income to average assets | 0.7368% | 1,575 |
| Noninterest expense to average assets | 2.8333% | 2,477 |
| Loan and lease loss provision to assets | 0.0342% | 3,141 |
| Net operating income to assets | 1.8040% | 587 |
| Return on assets (ROA) | 1.8040% | 612 |
| Pretax return on assets | 1.8040% | 1,019 |
| Return on Equity (ROE) | 13.1512% | 1,195 |
| Retained earnings to average equity (ytd only) | -3.9592% | 5,014 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.6504% | 3,635 |
| Assets per employee ($millions) | 5.2277% | 2,227 |
| Cash dividends to net income (ytd only)* | 130.1053% | 213 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4215% | 1,523 |
| Loan loss allowance to noncurrent loans | 23,050.0000% | 41 |
| Noncurrent assets plus other real estate owned to assets | 0.0421% | 4,558 |
| Noncurrent loans to loans | 0.0062% | 4,702 |
| Net loans and leases to total assets | 61.1550% | 3,634 |
| Net loans and leases to deposits | 71.2281% | 3,746 |
| Net loans and leases to core deposits | 75.2111% | 3,796 |
| Total domestic deposits to total assets | 85.8580% | 2,109 |
| Equity capital to assets | 13.9143% | 1,150 |
| Core capital (leverage) ratio | 13.4148% | 1,149 |
| Tier 1 risk-based capital ratio | 19.3804% | 1,466 |
| Total risk-based capital ratio | 20.6266% | 1,433 |
| Memoranda: | ||
| Average total assets | $52,659,670 | 4,808 |
| Average earning assets | $47,132,670 | 4,830 |
| Average equity | $7,223,670 | 4,690 |
| Average total loans | $31,124,330 | 4,714 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5635% | 2,654 |
| Cost of funding earning assets | 0.1350% | 5,232 |
| Net interest margin | 4.4285% | 849 |
| Noninterest income to average assets | 0.7341% | 1,485 |
| Noninterest expense to average assets | 2.8457% | 2,429 |
| Loan and lease loss provision to assets | 0.0378% | 2,866 |
| Net operating income to assets | 1.8240% | 544 |
| Return on assets (ROA) | 1.8240% | 561 |
| Pretax return on assets | 1.8240% | 932 |
| Return on Equity (ROE) | 13.3917% | 1,112 |
| Retained earnings to average equity (ytd only) | -10.6689% | 5,132 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4502% | 3,747 |
| Assets per employee ($millions) | 5.2058% | 2,282 |
| Cash dividends to net income (ytd only)* | 179.6680% | 235 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4677% | 1,444 |
| Loan loss allowance to noncurrent loans | 11,425.0000% | 74 |
| Noncurrent assets plus other real estate owned to assets | 0.0480% | 4,589 |
| Noncurrent loans to loans | 0.0128% | 4,729 |
| Net loans and leases to total assets | 58.9343% | 3,790 |
| Net loans and leases to deposits | 68.4531% | 3,889 |
| Net loans and leases to core deposits | 72.0526% | 3,941 |
| Total domestic deposits to total assets | 86.0944% | 2,237 |
| Equity capital to assets | 13.7270% | 1,123 |
| Core capital (leverage) ratio | 13.4046% | 1,119 |
| Tier 1 risk-based capital ratio | 19.3462% | 1,475 |
| Total risk-based capital ratio | 20.5880% | 1,446 |
| Memoranda: | ||
| Average total assets | $52,851,000 | 4,856 |
| Average earning assets | $47,420,000 | 4,869 |
| Average equity | $7,198,500 | 4,727 |
| Average total loans | $30,471,000 | 4,779 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2872% | 3,160 |
| Cost of funding earning assets | 0.1075% | 5,272 |
| Net interest margin | 4.1797% | 1,448 |
| Noninterest income to average assets | 0.8561% | 1,296 |
| Noninterest expense to average assets | 2.6625% | 3,145 |
| Loan and lease loss provision to assets | 0.0326% | 3,535 |
| Net operating income to assets | 1.8971% | 448 |
| Return on assets (ROA) | 1.8971% | 442 |
| Pretax return on assets | 1.8971% | 724 |
| Return on Equity (ROE) | 15.1309% | 800 |
| Retained earnings to average equity (ytd only) | 4.2673% | 3,202 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9779% | 4,165 |
| Assets per employee ($millions) | 5.3644% | 2,094 |
| Cash dividends to net income (ytd only)* | 71.7973% | 997 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5165% | 1,240 |
| Loan loss allowance to noncurrent loans | 1,458.0645% | 462 |
| Noncurrent assets plus other real estate owned to assets | 0.0578% | 4,553 |
| Noncurrent loans to loans | 0.1040% | 4,267 |
| Net loans and leases to total assets | 54.7181% | 4,232 |
| Net loans and leases to deposits | 63.4344% | 4,279 |
| Net loans and leases to core deposits | 67.4580% | 4,271 |
| Total domestic deposits to total assets | 86.2594% | 2,108 |
| Equity capital to assets | 13.5169% | 1,140 |
| Core capital (leverage) ratio | 13.0835% | 1,212 |
| Tier 1 risk-based capital ratio | 19.3511% | 1,435 |
| Total risk-based capital ratio | 20.5473% | 1,416 |
| Memoranda: | ||
| Average total assets | $55,136,200 | 4,854 |
| Average earning assets | $49,286,200 | 4,871 |
| Average equity | $6,913,000 | 4,762 |
| Average total loans | $31,192,000 | 4,787 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2313% | 3,198 |
| Cost of funding earning assets | 0.1048% | 5,341 |
| Net interest margin | 4.1265% | 1,555 |
| Noninterest income to average assets | 0.7590% | 1,637 |
| Noninterest expense to average assets | 2.6325% | 3,194 |
| Loan and lease loss provision to assets | 0.0336% | 3,345 |
| Net operating income to assets | 1.7798% | 622 |
| Return on assets (ROA) | 1.7798% | 626 |
| Pretax return on assets | 1.7798% | 1,060 |
| Return on Equity (ROE) | 14.4685% | 994 |
| Retained earnings to average equity (ytd only) | -0.3320% | 5,080 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.2112% | 3,933 |
| Assets per employee ($millions) | 6.3626% | 1,255 |
| Cash dividends to net income (ytd only)* | 102.2936% | 243 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3862% | 1,755 |
| Loan loss allowance to noncurrent loans | 3,438.4615% | 216 |
| Noncurrent assets plus other real estate owned to assets | 0.0227% | 4,877 |
| Noncurrent loans to loans | 0.0403% | 4,717 |
| Net loans and leases to total assets | 55.5332% | 4,252 |
| Net loans and leases to deposits | 63.2307% | 4,373 |
| Net loans and leases to core deposits | 68.3401% | 4,282 |
| Total domestic deposits to total assets | 87.8263% | 1,322 |
| Equity capital to assets | 11.9973% | 1,908 |
| Core capital (leverage) ratio | 12.7643% | 1,385 |
| Tier 1 risk-based capital ratio | 18.2173% | 1,736 |
| Total risk-based capital ratio | 19.3792% | 1,712 |
| Memoranda: | ||
| Average total assets | $55,509,250 | 4,897 |
| Average earning assets | $49,597,500 | 4,915 |
| Average equity | $6,828,500 | 4,821 |
| Average total loans | $31,538,750 | 4,834 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1710% | 3,202 |
| Cost of funding earning assets | 0.1059% | 5,392 |
| Net interest margin | 4.0651% | 1,654 |
| Noninterest income to average assets | 0.7501% | 1,647 |
| Noninterest expense to average assets | 2.6108% | 3,295 |
| Loan and lease loss provision to assets | 0.0328% | 3,257 |
| Net operating income to assets | 1.7406% | 671 |
| Return on assets (ROA) | 1.7406% | 670 |
| Pretax return on assets | 1.7406% | 1,116 |
| Return on Equity (ROE) | 14.0286% | 1,070 |
| Retained earnings to average equity (ytd only) | -5.3121% | 5,306 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5515% | 4,001 |
| Assets per employee ($millions) | 5.9213% | 1,528 |
| Cash dividends to net income (ytd only)* | 137.8661% | 171 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3786% | 1,822 |
| Loan loss allowance to noncurrent loans | 178.6290% | 2,457 |
| Noncurrent assets plus other real estate owned to assets | 0.4654% | 2,881 |
| Noncurrent loans to loans | 0.7718% | 2,193 |
| Net loans and leases to total assets | 59.4648% | 3,856 |
| Net loans and leases to deposits | 68.1740% | 4,004 |
| Net loans and leases to core deposits | 74.8783% | 3,816 |
| Total domestic deposits to total assets | 87.2251% | 1,749 |
| Equity capital to assets | 12.6192% | 1,480 |
| Core capital (leverage) ratio | 13.0086% | 1,214 |
| Tier 1 risk-based capital ratio | 18.1362% | 1,766 |
| Total risk-based capital ratio | 19.3117% | 1,746 |
| Memoranda: | ||
| Average total assets | $54,924,670 | 4,965 |
| Average earning assets | $49,101,000 | 4,982 |
| Average equity | $6,814,670 | 4,876 |
| Average total loans | $31,302,670 | 4,892 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0699% | 3,337 |
| Cost of funding earning assets | 0.1033% | 5,456 |
| Net interest margin | 3.9665% | 1,824 |
| Noninterest income to average assets | 0.7463% | 1,637 |
| Noninterest expense to average assets | 2.5834% | 3,383 |
| Loan and lease loss provision to assets | 0.0359% | 3,026 |
| Net operating income to assets | 1.7079% | 677 |
| Return on assets (ROA) | 1.7079% | 687 |
| Pretax return on assets | 1.7079% | 1,097 |
| Return on Equity (ROE) | 13.8786% | 1,045 |
| Retained earnings to average equity (ytd only) | -13.7036% | 5,436 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.7015% | 4,102 |
| Assets per employee ($millions) | 5.9959% | 1,518 |
| Cash dividends to net income (ytd only)* | 198.7395% | 189 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4156% | 1,778 |
| Loan loss allowance to noncurrent loans | 169.1120% | 2,548 |
| Noncurrent assets plus other real estate owned to assets | 0.4800% | 2,937 |
| Noncurrent loans to loans | 0.8370% | 2,146 |
| Net loans and leases to total assets | 56.5276% | 4,081 |
| Net loans and leases to deposits | 64.6614% | 4,174 |
| Net loans and leases to core deposits | 74.4073% | 3,785 |
| Total domestic deposits to total assets | 87.4210% | 1,941 |
| Equity capital to assets | 12.4252% | 1,530 |
| Core capital (leverage) ratio | 12.1827% | 1,535 |
| Tier 1 risk-based capital ratio | 17.9877% | 1,841 |
| Total risk-based capital ratio | 19.1496% | 1,814 |
| Memoranda: | ||
| Average total assets | $55,741,000 | 5,009 |
| Average earning assets | $50,321,000 | 5,024 |
| Average equity | $6,859,500 | 4,915 |
| Average total loans | $30,887,500 | 4,953 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1044% | 3,038 |
| Cost of funding earning assets | 0.1208% | 5,405 |
| Net interest margin | 3.9836% | 1,799 |
| Noninterest income to average assets | 0.9870% | 1,051 |
| Noninterest expense to average assets | 2.6053% | 3,430 |
| Loan and lease loss provision to assets | 0.0250% | 3,796 |
| Net operating income to assets | 1.9526% | 311 |
| Return on assets (ROA) | 1.9526% | 314 |
| Pretax return on assets | 1.9526% | 546 |
| Return on Equity (ROE) | 16.2244% | 455 |
| Retained earnings to average equity (ytd only) | 5.7499% | 1,684 |
| Net charge-offs to loans | 0.0062% | 3,860 |
| Credit loss provision to net charge-offs | 700.0000% | 467 |
| Earnings coverage of net charge-offs (x) | 553.0000% | 159 |
| Efficiency ratio | 56.8474% | 4,677 |
| Assets per employee ($millions) | 6.3910% | 1,272 |
| Cash dividends to net income (ytd only)* | 64.5604% | 1,531 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4108% | 1,724 |
| Loan loss allowance to noncurrent loans | 226.5625% | 2,079 |
| Noncurrent assets plus other real estate owned to assets | 0.3338% | 3,532 |
| Noncurrent loans to loans | 0.6227% | 2,668 |
| Net loans and leases to total assets | 52.8486% | 4,454 |
| Net loans and leases to deposits | 60.3350% | 4,545 |
| Net loans and leases to core deposits | 69.9432% | 4,178 |
| Total domestic deposits to total assets | 87.5919% | 1,706 |
| Equity capital to assets | 12.1942% | 1,706 |
| Core capital (leverage) ratio | 11.9907% | 1,605 |
| Tier 1 risk-based capital ratio | 18.5604% | 1,629 |
| Total risk-based capital ratio | 19.7111% | 1,615 |
| Memoranda: | ||
| Average total assets | $55,924,800 | 5,046 |
| Average earning assets | $50,482,600 | 5,052 |
| Average equity | $6,730,600 | 4,988 |
| Average total loans | $32,367,600 | 4,956 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2812% | 2,317 |
| Cost of funding earning assets | 0.1225% | 5,463 |
| Net interest margin | 4.1588% | 1,256 |
| Noninterest income to average assets | 0.7564% | 1,750 |
| Noninterest expense to average assets | 2.5597% | 3,538 |
| Loan and lease loss provision to assets | 0.0264% | 3,604 |
| Net operating income to assets | 1.9210% | 369 |
| Return on assets (ROA) | 2.1539% | 239 |
| Pretax return on assets | 2.1539% | 405 |
| Return on Equity (ROE) | 17.9582% | 335 |
| Retained earnings to average equity (ytd only) | 3.8239% | 3,642 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.7928% | 4,633 |
| Assets per employee ($millions) | 7.1275% | 904 |
| Cash dividends to net income (ytd only)* | 78.7068% | 685 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2660% | 2,542 |
| Loan loss allowance to noncurrent loans | 195.8904% | 2,273 |
| Noncurrent assets plus other real estate owned to assets | 0.3841% | 3,490 |
| Noncurrent loans to loans | 0.6463% | 2,779 |
| Net loans and leases to total assets | 58.6741% | 3,997 |
| Net loans and leases to deposits | 66.7119% | 4,200 |
| Net loans and leases to core deposits | 78.7163% | 3,568 |
| Total domestic deposits to total assets | 87.9516% | 1,388 |
| Equity capital to assets | 11.9099% | 2,023 |
| Core capital (leverage) ratio | 12.0697% | 1,640 |
| Tier 1 risk-based capital ratio | 16.3919% | 2,356 |
| Total risk-based capital ratio | 17.4570% | 2,366 |
| Memoranda: | ||
| Average total assets | $55,526,250 | 5,111 |
| Average earning assets | $50,077,750 | 5,117 |
| Average equity | $6,659,750 | 5,053 |
| Average total loans | $32,751,250 | 4,983 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5067% | 1,498 |
| Cost of funding earning assets | 0.1129% | 5,546 |
| Net interest margin | 4.3938% | 712 |
| Noninterest income to average assets | 0.4688% | 3,227 |
| Noninterest expense to average assets | 2.5732% | 3,513 |
| Loan and lease loss provision to assets | 0.0218% | 3,547 |
| Net operating income to assets | 1.8354% | 423 |
| Return on assets (ROA) | 1.9953% | 317 |
| Pretax return on assets | 1.9953% | 534 |
| Return on Equity (ROE) | 16.5978% | 449 |
| Retained earnings to average equity (ytd only) | -1.4512% | 5,284 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0804% | 4,579 |
| Assets per employee ($millions) | 6.1077% | 1,381 |
| Cash dividends to net income (ytd only)* | 108.7432% | 388 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2753% | 2,541 |
| Loan loss allowance to noncurrent loans | 86.6530% | 3,818 |
| Noncurrent assets plus other real estate owned to assets | 0.8860% | 2,004 |
| Noncurrent loans to loans | 1.4717% | 1,283 |
| Net loans and leases to total assets | 59.4299% | 3,891 |
| Net loans and leases to deposits | 67.7310% | 4,093 |
| Net loans and leases to core deposits | 69.9304% | 4,237 |
| Total domestic deposits to total assets | 87.7440% | 1,594 |
| Equity capital to assets | 12.1050% | 1,860 |
| Core capital (leverage) ratio | 12.1204% | 1,573 |
| Tier 1 risk-based capital ratio | 16.4778% | 2,332 |
| Total risk-based capital ratio | 17.5383% | 2,339 |
| Memoranda: | ||
| Average total assets | $55,028,330 | 5,153 |
| Average earning assets | $49,615,000 | 5,165 |
| Average equity | $6,615,330 | 5,087 |
| Average total loans | $32,373,330 | 5,028 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4239% | 1,573 |
| Cost of funding earning assets | 0.1285% | 5,501 |
| Net interest margin | 4.2955% | 793 |
| Noninterest income to average assets | 0.4650% | 3,223 |
| Noninterest expense to average assets | 2.5936% | 3,525 |
| Loan and lease loss provision to assets | 0.0145% | 3,377 |
| Net operating income to assets | 1.7436% | 504 |
| Return on assets (ROA) | 1.7436% | 512 |
| Pretax return on assets | 1.7436% | 914 |
| Return on Equity (ROE) | 14.5543% | 714 |
| Retained earnings to average equity (ytd only) | -9.3996% | 5,564 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5993% | 4,513 |
| Assets per employee ($millions) | 6.0592% | 1,461 |
| Cash dividends to net income (ytd only)* | 164.5833% | 333 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2993% | 2,543 |
| Loan loss allowance to noncurrent loans | 121.5743% | 3,243 |
| Noncurrent assets plus other real estate owned to assets | 0.6290% | 2,745 |
| Noncurrent loans to loans | 1.0687% | 1,917 |
| Net loans and leases to total assets | 58.0878% | 3,964 |
| Net loans and leases to deposits | 66.1150% | 4,166 |
| Net loans and leases to core deposits | 68.1328% | 4,290 |
| Total domestic deposits to total assets | 87.8587% | 1,793 |
| Equity capital to assets | 12.0001% | 1,847 |
| Core capital (leverage) ratio | 11.7664% | 1,777 |
| Tier 1 risk-based capital ratio | 16.6083% | 2,319 |
| Total risk-based capital ratio | 17.6738% | 2,333 |
| Memoranda: | ||
| Average total assets | $55,058,000 | 5,208 |
| Average earning assets | $49,820,000 | 5,214 |
| Average equity | $6,596,000 | 5,141 |
| Average total loans | $32,015,000 | 5,093 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4281% | 1,753 |
| Cost of funding earning assets | 0.1435% | 5,466 |
| Net interest margin | 4.2846% | 955 |
| Noninterest income to average assets | 0.5084% | 3,181 |
| Noninterest expense to average assets | 2.6527% | 3,516 |
| Loan and lease loss provision to assets | 0.0303% | 3,747 |
| Net operating income to assets | 1.7143% | 525 |
| Return on assets (ROA) | 1.7143% | 554 |
| Pretax return on assets | 1.7143% | 965 |
| Return on Equity (ROE) | 14.8706% | 644 |
| Retained earnings to average equity (ytd only) | 4.6268% | 2,608 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.3245% | 4,532 |
| Assets per employee ($millions) | 6.1731% | 1,351 |
| Cash dividends to net income (ytd only)* | 68.8866% | 1,368 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3026% | 2,530 |
| Loan loss allowance to noncurrent loans | 800.0000% | 717 |
| Noncurrent assets plus other real estate owned to assets | 0.0936% | 4,954 |
| Noncurrent loans to loans | 0.1628% | 4,580 |
| Net loans and leases to total assets | 56.7335% | 4,198 |
| Net loans and leases to deposits | 64.5730% | 4,356 |
| Net loans and leases to core deposits | 66.5063% | 4,493 |
| Total domestic deposits to total assets | 87.8595% | 1,705 |
| Equity capital to assets | 11.9209% | 1,866 |
| Core capital (leverage) ratio | 11.7647% | 1,746 |
| Tier 1 risk-based capital ratio | 17.0389% | 2,145 |
| Total risk-based capital ratio | 18.1080% | 2,156 |
| Memoranda: | ||
| Average total assets | $56,056,800 | 5,229 |
| Average earning assets | $50,880,000 | 5,230 |
| Average equity | $6,462,400 | 5,199 |
| Average total loans | $32,138,000 | 5,129 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0822% | 2,941 |
| Cost of funding earning assets | 0.1281% | 5,629 |
| Net interest margin | 3.9541% | 1,803 |
| Noninterest income to average assets | 0.7784% | 1,851 |
| Noninterest expense to average assets | 2.6010% | 3,655 |
| Loan and lease loss provision to assets | 0.0285% | 3,670 |
| Net operating income to assets | 1.7372% | 554 |
| Return on assets (ROA) | 1.7372% | 587 |
| Pretax return on assets | 1.7372% | 1,023 |
| Return on Equity (ROE) | 15.1969% | 644 |
| Retained earnings to average equity (ytd only) | 1.2457% | 5,012 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5652% | 4,601 |
| Assets per employee ($millions) | 4.6284% | 2,873 |
| Cash dividends to net income (ytd only)* | 91.8031% | 505 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1926% | 3,283 |
| Loan loss allowance to noncurrent loans | 535.0649% | 994 |
| Noncurrent assets plus other real estate owned to assets | 0.1386% | 4,878 |
| Noncurrent loans to loans | 0.2229% | 4,472 |
| Net loans and leases to total assets | 61.4555% | 3,695 |
| Net loans and leases to deposits | 69.7760% | 4,007 |
| Net loans and leases to core deposits | 80.6660% | 3,381 |
| Total domestic deposits to total assets | 88.0755% | 1,365 |
| Equity capital to assets | 11.7661% | 2,290 |
| Core capital (leverage) ratio | 11.8081% | 1,806 |
| Tier 1 risk-based capital ratio | 15.4042% | 2,871 |
| Total risk-based capital ratio | 16.3932% | 2,914 |
| Memoranda: | ||
| Average total assets | $56,181,250 | 5,276 |
| Average earning assets | $50,984,000 | 5,277 |
| Average equity | $6,422,250 | 5,258 |
| Average total loans | $32,188,500 | 5,171 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9694% | 3,348 |
| Cost of funding earning assets | 0.1284% | 5,705 |
| Net interest margin | 3.8410% | 2,167 |
| Noninterest income to average assets | 0.7554% | 1,904 |
| Noninterest expense to average assets | 2.5924% | 3,746 |
| Loan and lease loss provision to assets | 0.0284% | 3,554 |
| Net operating income to assets | 1.6349% | 665 |
| Return on assets (ROA) | 1.6349% | 709 |
| Pretax return on assets | 1.6349% | 1,270 |
| Return on Equity (ROE) | 14.4408% | 757 |
| Retained earnings to average equity (ytd only) | -3.4771% | 5,671 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.9167% | 4,522 |
| Assets per employee ($millions) | 5.0357% | 2,262 |
| Cash dividends to net income (ytd only)* | 124.0781% | 320 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2394% | 3,138 |
| Loan loss allowance to noncurrent loans | 406.9307% | 1,269 |
| Noncurrent assets plus other real estate owned to assets | 0.1823% | 4,761 |
| Noncurrent loans to loans | 0.3046% | 4,278 |
| Net loans and leases to total assets | 59.1212% | 3,997 |
| Net loans and leases to deposits | 66.9330% | 4,273 |
| Net loans and leases to core deposits | 78.8525% | 3,567 |
| Total domestic deposits to total assets | 88.3289% | 1,260 |
| Equity capital to assets | 11.5069% | 2,542 |
| Core capital (leverage) ratio | 11.2870% | 2,159 |
| Tier 1 risk-based capital ratio | 15.6499% | 2,800 |
| Total risk-based capital ratio | 16.6822% | 2,821 |
| Memoranda: | ||
| Average total assets | $56,394,670 | 5,330 |
| Average earning assets | $51,393,330 | 5,328 |
| Average equity | $6,384,670 | 5,313 |
| Average total loans | $31,403,000 | 5,255 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7601% | 4,099 |
| Cost of funding earning assets | 0.1228% | 5,797 |
| Net interest margin | 3.6373% | 2,930 |
| Noninterest income to average assets | 0.7312% | 1,898 |
| Noninterest expense to average assets | 2.5942% | 3,766 |
| Loan and lease loss provision to assets | 0.0211% | 3,409 |
| Net operating income to assets | 1.4483% | 947 |
| Return on assets (ROA) | 1.4483% | 991 |
| Pretax return on assets | 1.4483% | 1,755 |
| Return on Equity (ROE) | 12.8951% | 1,059 |
| Retained earnings to average equity (ytd only) | -10.3912% | 5,819 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8408% | 4,150 |
| Assets per employee ($millions) | 4.6486% | 2,824 |
| Cash dividends to net income (ytd only)* | 180.5825% | 294 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2912% | 2,959 |
| Loan loss allowance to noncurrent loans | 2,900.0000% | 233 |
| Noncurrent assets plus other real estate owned to assets | 0.0251% | 5,543 |
| Noncurrent loans to loans | 0.0445% | 5,316 |
| Net loans and leases to total assets | 55.6406% | 4,299 |
| Net loans and leases to deposits | 62.7994% | 4,522 |
| Net loans and leases to core deposits | 73.9775% | 3,898 |
| Total domestic deposits to total assets | 88.6005% | 1,304 |
| Equity capital to assets | 11.2848% | 2,645 |
| Core capital (leverage) ratio | 11.0907% | 2,322 |
| Tier 1 risk-based capital ratio | 16.6092% | 2,436 |
| Total risk-based capital ratio | 17.7020% | 2,450 |
| Memoranda: | ||
| Average total assets | $56,895,500 | 5,369 |
| Average earning assets | $52,126,500 | 5,360 |
| Average equity | $6,390,000 | 5,338 |
| Average total loans | $30,524,500 | 5,320 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7575% | 4,170 |
| Cost of funding earning assets | 0.1563% | 5,647 |
| Net interest margin | 3.6012% | 3,132 |
| Noninterest income to average assets | 0.7099% | 2,158 |
| Noninterest expense to average assets | 2.5247% | 4,148 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.4879% | 886 |
| Return on assets (ROA) | 1.4757% | 937 |
| Pretax return on assets | 1.4757% | 1,634 |
| Return on Equity (ROE) | 13.5291% | 944 |
| Retained earnings to average equity (ytd only) | 5.0173% | 2,403 |
| Net charge-offs to loans | 0.0099% | 4,118 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 283.6667% | 253 |
| Efficiency ratio | 62.9194% | 4,459 |
| Assets per employee ($millions) | 4.8340% | 2,552 |
| Cash dividends to net income (ytd only)* | 62.9147% | 1,597 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3613% | 2,610 |
| Loan loss allowance to noncurrent loans | 822.4490% | 700 |
| Noncurrent assets plus other real estate owned to assets | 0.0845% | 5,292 |
| Noncurrent loans to loans | 0.1655% | 4,826 |
| Net loans and leases to total assets | 50.3413% | 4,839 |
| Net loans and leases to deposits | 56.8365% | 4,992 |
| Net loans and leases to core deposits | 66.8712% | 4,521 |
| Total domestic deposits to total assets | 88.5723% | 1,342 |
| Equity capital to assets | 11.1795% | 2,649 |
| Core capital (leverage) ratio | 10.9809% | 2,425 |
| Tier 1 risk-based capital ratio | 17.4719% | 2,132 |
| Total risk-based capital ratio | 18.5820% | 2,123 |
| Memoranda: | ||
| Average total assets | $57,195,000 | 5,374 |
| Average earning assets | $52,455,400 | 5,373 |
| Average equity | $6,238,400 | 5,385 |
| Average total loans | $30,303,200 | 5,349 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7411% | 4,286 |
| Cost of funding earning assets | 0.1785% | 5,567 |
| Net interest margin | 3.5626% | 3,290 |
| Noninterest income to average assets | 0.6808% | 2,325 |
| Noninterest expense to average assets | 2.4962% | 4,206 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.4528% | 1,005 |
| Return on assets (ROA) | 1.4528% | 1,045 |
| Pretax return on assets | 1.4528% | 1,820 |
| Return on Equity (ROE) | 13.4048% | 1,027 |
| Retained earnings to average equity (ytd only) | 2.1370% | 4,814 |
| Net charge-offs to loans | 0.0131% | 3,721 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 206.9950% | 354 |
| Efficiency ratio | 63.2109% | 4,378 |
| Assets per employee ($millions) | 6.2429% | 1,208 |
| Cash dividends to net income (ytd only)* | 84.0576% | 647 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2809% | 3,201 |
| Loan loss allowance to noncurrent loans | 746.2963% | 729 |
| Noncurrent assets plus other real estate owned to assets | 0.0961% | 5,363 |
| Noncurrent loans to loans | 0.1716% | 4,966 |
| Net loans and leases to total assets | 55.2789% | 4,428 |
| Net loans and leases to deposits | 62.3524% | 4,696 |
| Net loans and leases to core deposits | 72.4037% | 4,157 |
| Total domestic deposits to total assets | 88.6555% | 1,201 |
| Equity capital to assets | 11.1576% | 2,839 |
| Core capital (leverage) ratio | 11.1403% | 2,360 |
| Tier 1 risk-based capital ratio | 16.1607% | 2,730 |
| Total risk-based capital ratio | 17.2255% | 2,752 |
| Memoranda: | ||
| Average total assets | $56,991,750 | 5,452 |
| Average earning assets | $52,282,500 | 5,447 |
| Average equity | $6,176,750 | 5,465 |
| Average total loans | $30,477,750 | 5,406 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6520% | 4,569 |
| Cost of funding earning assets | 0.1631% | 5,752 |
| Net interest margin | 3.4889% | 3,545 |
| Noninterest income to average assets | 0.6776% | 2,310 |
| Noninterest expense to average assets | 2.4275% | 4,468 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.4635% | 961 |
| Return on assets (ROA) | 1.4635% | 1,010 |
| Pretax return on assets | 1.4635% | 1,753 |
| Return on Equity (ROE) | 13.6349% | 976 |
| Retained earnings to average equity (ytd only) | -0.5857% | 5,623 |
| Net charge-offs to loans | 0.0199% | 3,284 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 139.6667% | 454 |
| Efficiency ratio | 62.3878% | 4,620 |
| Assets per employee ($millions) | 6.0740% | 1,298 |
| Cash dividends to net income (ytd only)* | 104.2959% | 475 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2883% | 3,310 |
| Loan loss allowance to noncurrent loans | 2,518.7500% | 246 |
| Noncurrent assets plus other real estate owned to assets | 0.0293% | 5,763 |
| Noncurrent loans to loans | 0.0511% | 5,542 |
| Net loans and leases to total assets | 56.4848% | 4,284 |
| Net loans and leases to deposits | 63.7264% | 4,558 |
| Net loans and leases to core deposits | 75.1802% | 3,833 |
| Total domestic deposits to total assets | 88.6364% | 1,339 |
| Equity capital to assets | 11.2410% | 2,630 |
| Core capital (leverage) ratio | 10.6109% | 2,842 |
| Tier 1 risk-based capital ratio | 16.4780% | 2,621 |
| Total risk-based capital ratio | 17.5852% | 2,654 |
| Memoranda: | ||
| Average total assets | $57,260,330 | 5,508 |
| Average earning assets | $52,738,000 | 5,491 |
| Average equity | $6,146,000 | 5,517 |
| Average total loans | $30,149,670 | 5,469 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4862% | 5,011 |
| Cost of funding earning assets | 0.1625% | 5,827 |
| Net interest margin | 3.3237% | 4,115 |
| Noninterest income to average assets | 0.6489% | 2,406 |
| Noninterest expense to average assets | 2.3498% | 4,742 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.3730% | 1,081 |
| Return on assets (ROA) | 1.3730% | 1,143 |
| Pretax return on assets | 1.3730% | 1,984 |
| Return on Equity (ROE) | 13.0806% | 1,069 |
| Retained earnings to average equity (ytd only) | -4.0348% | 5,864 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1193% | 4,609 |
| Assets per employee ($millions) | 6.4250% | 1,123 |
| Cash dividends to net income (ytd only)* | 130.8458% | 453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3553% | 3,122 |
| Loan loss allowance to noncurrent loans | 558.1081% | 913 |
| Noncurrent assets plus other real estate owned to assets | 0.1280% | 5,444 |
| Noncurrent loans to loans | 0.2428% | 4,908 |
| Net loans and leases to total assets | 51.9844% | 4,665 |
| Net loans and leases to deposits | 58.2051% | 4,898 |
| Net loans and leases to core deposits | 67.8862% | 4,337 |
| Total domestic deposits to total assets | 89.3126% | 1,085 |
| Equity capital to assets | 10.5802% | 3,452 |
| Core capital (leverage) ratio | 10.0732% | 3,506 |
| Tier 1 risk-based capital ratio | 18.0899% | 2,110 |
| Total risk-based capital ratio | 19.3384% | 2,062 |
| Memoranda: | ||
| Average total assets | $58,557,500 | 5,526 |
| Average earning assets | $54,156,000 | 5,509 |
| Average equity | $6,146,500 | 5,568 |
| Average total loans | $29,584,000 | 5,535 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6586% | 4,911 |
| Cost of funding earning assets | 0.2360% | 5,460 |
| Net interest margin | 3.4226% | 4,096 |
| Noninterest income to average assets | 0.9106% | 1,467 |
| Noninterest expense to average assets | 2.4545% | 4,691 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.6433% | 650 |
| Return on assets (ROA) | 1.6433% | 673 |
| Pretax return on assets | 1.6433% | 1,113 |
| Return on Equity (ROE) | 16.1252% | 610 |
| Retained earnings to average equity (ytd only) | 7.2238% | 1,306 |
| Net charge-offs to loans | 0.0104% | 4,699 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 314.0000% | 180 |
| Efficiency ratio | 59.8978% | 5,238 |
| Assets per employee ($millions) | 6.5878% | 1,008 |
| Cash dividends to net income (ytd only)* | 55.2017% | 1,992 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4497% | 2,699 |
| Loan loss allowance to noncurrent loans | 433.3333% | 1,197 |
| Noncurrent assets plus other real estate owned to assets | 0.1619% | 5,376 |
| Noncurrent loans to loans | 0.3346% | 4,648 |
| Net loans and leases to total assets | 47.6961% | 5,182 |
| Net loans and leases to deposits | 53.3455% | 5,378 |
| Net loans and leases to core deposits | 61.6114% | 5,031 |
| Total domestic deposits to total assets | 89.4097% | 1,010 |
| Equity capital to assets | 10.4149% | 3,592 |
| Core capital (leverage) ratio | 9.7801% | 3,861 |
| Tier 1 risk-based capital ratio | 18.3090% | 2,052 |
| Total risk-based capital ratio | 19.5596% | 2,012 |
| Memoranda: | ||
| Average total assets | $57,324,000 | 5,620 |
| Average earning assets | $53,381,000 | 5,584 |
| Average equity | $5,841,800 | 5,655 |
| Average total loans | $28,894,400 | 5,610 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7200% | 4,799 |
| Cost of funding earning assets | 0.2540% | 5,368 |
| Net interest margin | 3.4660% | 3,957 |
| Noninterest income to average assets | 0.7460% | 2,115 |
| Noninterest expense to average assets | 2.4446% | 4,680 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.5343% | 875 |
| Return on assets (ROA) | 1.5343% | 908 |
| Pretax return on assets | 1.5343% | 1,528 |
| Return on Equity (ROE) | 15.1425% | 796 |
| Retained earnings to average equity (ytd only) | 3.0794% | 4,427 |
| Net charge-offs to loans | 0.0322% | 3,844 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 93.4598% | 617 |
| Efficiency ratio | 61.4387% | 4,975 |
| Assets per employee ($millions) | 6.6054% | 965 |
| Cash dividends to net income (ytd only)* | 79.6635% | 752 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4188% | 3,082 |
| Loan loss allowance to noncurrent loans | 467.7778% | 1,030 |
| Noncurrent assets plus other real estate owned to assets | 0.1514% | 5,576 |
| Noncurrent loans to loans | 0.3033% | 4,999 |
| Net loans and leases to total assets | 49.2069% | 5,091 |
| Net loans and leases to deposits | 54.7204% | 5,331 |
| Net loans and leases to core deposits | 63.1119% | 4,958 |
| Total domestic deposits to total assets | 89.9241% | 771 |
| Equity capital to assets | 9.9110% | 4,285 |
| Core capital (leverage) ratio | 10.0494% | 3,602 |
| Tier 1 risk-based capital ratio | 17.1553% | 2,545 |
| Total risk-based capital ratio | 18.4059% | 2,504 |
| Memoranda: | ||
| Average total assets | $56,832,500 | 5,694 |
| Average earning assets | $53,009,500 | 5,657 |
| Average equity | $5,758,500 | 5,725 |
| Average total loans | $28,944,250 | 5,665 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0129% | 3,684 |
| Cost of funding earning assets | 0.2828% | 5,153 |
| Net interest margin | 3.7301% | 2,840 |
| Noninterest income to average assets | 0.3217% | 4,844 |
| Noninterest expense to average assets | 2.4696% | 4,668 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.3402% | 1,203 |
| Return on assets (ROA) | 1.3402% | 1,247 |
| Pretax return on assets | 1.3402% | 2,115 |
| Return on Equity (ROE) | 13.1257% | 1,141 |
| Retained earnings to average equity (ytd only) | -1.4701% | 5,926 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8218% | 4,563 |
| Assets per employee ($millions) | 6.1844% | 1,181 |
| Cash dividends to net income (ytd only)* | 111.2000% | 420 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4100% | 3,299 |
| Loan loss allowance to noncurrent loans | 407.6190% | 1,134 |
| Noncurrent assets plus other real estate owned to assets | 0.1886% | 5,561 |
| Noncurrent loans to loans | 0.3459% | 4,971 |
| Net loans and leases to total assets | 53.7675% | 4,569 |
| Net loans and leases to deposits | 60.0317% | 4,864 |
| Net loans and leases to core deposits | 72.3101% | 4,013 |
| Total domestic deposits to total assets | 89.5652% | 1,045 |
| Equity capital to assets | 10.2839% | 3,717 |
| Core capital (leverage) ratio | 10.0759% | 3,501 |
| Tier 1 risk-based capital ratio | 16.9574% | 2,637 |
| Total risk-based capital ratio | 18.2068% | 2,599 |
| Memoranda: | ||
| Average total assets | $55,960,330 | 5,760 |
| Average earning assets | $52,330,670 | 5,724 |
| Average equity | $5,714,000 | 5,774 |
| Average total loans | $28,701,000 | 5,716 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7640% | 4,621 |
| Cost of funding earning assets | 0.2819% | 5,259 |
| Net interest margin | 3.4821% | 3,777 |
| Noninterest income to average assets | 0.3137% | 4,855 |
| Noninterest expense to average assets | 2.4737% | 4,702 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.0978% | 1,824 |
| Return on assets (ROA) | 1.0978% | 1,887 |
| Pretax return on assets | 1.0978% | 2,911 |
| Return on Equity (ROE) | 10.7900% | 1,763 |
| Retained earnings to average equity (ytd only) | -7.4969% | 6,267 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2615% | 3,955 |
| Assets per employee ($millions) | 6.1422% | 1,206 |
| Cash dividends to net income (ytd only)* | 169.4805% | 323 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4993% | 3,143 |
| Loan loss allowance to noncurrent loans | 196.3303% | 2,123 |
| Noncurrent assets plus other real estate owned to assets | 0.4106% | 4,909 |
| Noncurrent loans to loans | 0.7637% | 3,958 |
| Net loans and leases to total assets | 50.8647% | 4,810 |
| Net loans and leases to deposits | 56.7284% | 5,056 |
| Net loans and leases to core deposits | 68.9150% | 4,219 |
| Total domestic deposits to total assets | 89.6635% | 1,267 |
| Equity capital to assets | 10.2315% | 3,560 |
| Core capital (leverage) ratio | 9.9102% | 3,698 |
| Tier 1 risk-based capital ratio | 17.2384% | 2,578 |
| Total risk-based capital ratio | 18.4222% | 2,566 |
| Memoranda: | ||
| Average total assets | $56,110,500 | 5,812 |
| Average earning assets | $52,497,500 | 5,773 |
| Average equity | $5,709,000 | 5,815 |
| Average total loans | $27,874,000 | 5,808 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2491% | 3,154 |
| Cost of funding earning assets | 0.3785% | 4,852 |
| Net interest margin | 3.8706% | 2,396 |
| Noninterest income to average assets | 0.3448% | 4,851 |
| Noninterest expense to average assets | 2.4692% | 4,862 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.4774% | 863 |
| Return on assets (ROA) | 1.4774% | 911 |
| Pretax return on assets | 1.4774% | 1,521 |
| Return on Equity (ROE) | 14.3345% | 879 |
| Retained earnings to average equity (ytd only) | 4.9281% | 2,646 |
| Net charge-offs to loans | 0.0181% | 5,082 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 159.4000% | 291 |
| Efficiency ratio | 62.5646% | 5,115 |
| Assets per employee ($millions) | 4.7451% | 2,519 |
| Cash dividends to net income (ytd only)* | 65.6211% | 1,508 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5734% | 2,866 |
| Loan loss allowance to noncurrent loans | 197.2350% | 2,124 |
| Noncurrent assets plus other real estate owned to assets | 0.3969% | 5,060 |
| Noncurrent loans to loans | 0.7977% | 3,985 |
| Net loans and leases to total assets | 47.0206% | 5,389 |
| Net loans and leases to deposits | 52.4435% | 5,591 |
| Net loans and leases to core deposits | 63.6673% | 4,902 |
| Total domestic deposits to total assets | 89.6595% | 1,243 |
| Equity capital to assets | 10.1192% | 3,604 |
| Core capital (leverage) ratio | 9.8091% | 3,831 |
| Tier 1 risk-based capital ratio | 19.3540% | 1,826 |
| Total risk-based capital ratio | 20.6081% | 1,784 |
| Memoranda: | ||
| Average total assets | $53,945,400 | 5,919 |
| Average earning assets | $50,199,000 | 5,879 |
| Average equity | $5,560,000 | 5,915 |
| Average total loans | $27,579,800 | 5,869 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3140% | 2,931 |
| Cost of funding earning assets | 0.3826% | 4,968 |
| Net interest margin | 3.9314% | 2,170 |
| Noninterest income to average assets | 0.3609% | 4,809 |
| Noninterest expense to average assets | 2.5189% | 4,660 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.4988% | 900 |
| Return on assets (ROA) | 1.4988% | 943 |
| Pretax return on assets | 1.4988% | 1,610 |
| Return on Equity (ROE) | 14.4715% | 893 |
| Retained earnings to average equity (ytd only) | 2.2263% | 4,987 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6949% | 5,031 |
| Assets per employee ($millions) | 4.5379% | 2,822 |
| Cash dividends to net income (ytd only)* | 84.6158% | 674 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5236% | 3,362 |
| Loan loss allowance to noncurrent loans | 191.1504% | 2,073 |
| Noncurrent assets plus other real estate owned to assets | 0.4371% | 5,119 |
| Noncurrent loans to loans | 0.7971% | 4,249 |
| Net loans and leases to total assets | 51.2735% | 4,970 |
| Net loans and leases to deposits | 57.2480% | 5,260 |
| Net loans and leases to core deposits | 68.6543% | 4,473 |
| Total domestic deposits to total assets | 89.5639% | 1,249 |
| Equity capital to assets | 10.2690% | 3,549 |
| Core capital (leverage) ratio | 10.3065% | 3,235 |
| Tier 1 risk-based capital ratio | 17.8400% | 2,385 |
| Total risk-based capital ratio | 19.0912% | 2,347 |
| Memoranda: | ||
| Average total assets | $53,196,500 | 6,004 |
| Average earning assets | $49,480,750 | 5,968 |
| Average equity | $5,509,500 | 5,998 |
| Average total loans | $27,674,250 | 5,919 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1725% | 3,465 |
| Cost of funding earning assets | 0.3856% | 5,074 |
| Net interest margin | 3.7869% | 2,606 |
| Noninterest income to average assets | 0.3676% | 4,770 |
| Noninterest expense to average assets | 2.4897% | 4,775 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.4135% | 1,051 |
| Return on assets (ROA) | 1.4135% | 1,136 |
| Pretax return on assets | 1.4135% | 1,881 |
| Return on Equity (ROE) | 13.6082% | 1,100 |
| Retained earnings to average equity (ytd only) | -2.2255% | 6,215 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7864% | 4,899 |
| Assets per employee ($millions) | 4.2071% | 3,339 |
| Cash dividends to net income (ytd only)* | 116.3539% | 369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5497% | 3,365 |
| Loan loss allowance to noncurrent loans | 115.1596% | 3,112 |
| Noncurrent assets plus other real estate owned to assets | 0.7626% | 4,313 |
| Noncurrent loans to loans | 1.3457% | 3,306 |
| Net loans and leases to total assets | 54.4855% | 4,521 |
| Net loans and leases to deposits | 61.1770% | 4,837 |
| Net loans and leases to core deposits | 74.5993% | 3,718 |
| Total domestic deposits to total assets | 89.0621% | 1,594 |
| Equity capital to assets | 10.7933% | 2,949 |
| Core capital (leverage) ratio | 10.0734% | 3,410 |
| Tier 1 risk-based capital ratio | 17.9099% | 2,344 |
| Total risk-based capital ratio | 19.1641% | 2,312 |
| Memoranda: | ||
| Average total assets | $52,777,000 | 6,056 |
| Average earning assets | $49,274,670 | 6,017 |
| Average equity | $5,482,000 | 6,051 |
| Average total loans | $27,448,000 | 5,963 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1889% | 3,350 |
| Cost of funding earning assets | 0.3808% | 5,278 |
| Net interest margin | 3.8081% | 2,419 |
| Noninterest income to average assets | 0.3561% | 4,824 |
| Noninterest expense to average assets | 2.4628% | 4,899 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.4539% | 951 |
| Return on assets (ROA) | 1.4539% | 1,028 |
| Pretax return on assets | 1.4539% | 1,702 |
| Return on Equity (ROE) | 14.2584% | 912 |
| Retained earnings to average equity (ytd only) | -6.7655% | 6,461 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8788% | 5,170 |
| Assets per employee ($millions) | 4.3945% | 3,162 |
| Cash dividends to net income (ytd only)* | 147.4490% | 361 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6284% | 3,282 |
| Loan loss allowance to noncurrent loans | 158.0292% | 2,290 |
| Noncurrent assets plus other real estate owned to assets | 0.5329% | 5,061 |
| Noncurrent loans to loans | 1.0304% | 4,077 |
| Net loans and leases to total assets | 49.6037% | 5,041 |
| Net loans and leases to deposits | 55.3866% | 5,310 |
| Net loans and leases to core deposits | 65.7501% | 4,562 |
| Total domestic deposits to total assets | 89.5589% | 1,321 |
| Equity capital to assets | 10.3387% | 3,748 |
| Core capital (leverage) ratio | 9.4982% | 4,085 |
| Tier 1 risk-based capital ratio | 18.7852% | 2,100 |
| Total risk-based capital ratio | 20.0400% | 2,075 |
| Memoranda: | ||
| Average total assets | $53,923,000 | 6,082 |
| Average earning assets | $50,419,000 | 6,035 |
| Average equity | $5,498,500 | 6,102 |
| Average total loans | $27,202,000 | 6,016 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8003% | 2,194 |
| Cost of funding earning assets | 0.4152% | 5,816 |
| Net interest margin | 4.3851% | 1,193 |
| Noninterest income to average assets | 0.6526% | 2,976 |
| Noninterest expense to average assets | 2.4298% | 5,322 |
| Loan and lease loss provision to assets | 0.0856% | 4,633 |
| Net operating income to assets | 2.2167% | 251 |
| Return on assets (ROA) | 2.2167% | 273 |
| Pretax return on assets | 2.2167% | 395 |
| Return on Equity (ROE) | 22.0996% | 217 |
| Retained earnings to average equity (ytd only) | 6.7721% | 1,681 |
| Net charge-offs to loans | 0.0099% | 5,799 |
| Credit loss provision to net charge-offs | 1,500.0000% | 154 |
| Earnings coverage of net charge-offs (x) | 403.3333% | 99 |
| Efficiency ratio | 51.3470% | 6,500 |
| Assets per employee ($millions) | 4.5927% | 2,797 |
| Cash dividends to net income (ytd only)* | 69.3562% | 1,399 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5568% | 3,492 |
| Loan loss allowance to noncurrent loans | 182.7004% | 1,989 |
| Noncurrent assets plus other real estate owned to assets | 0.4464% | 5,369 |
| Noncurrent loans to loans | 0.8521% | 4,480 |
| Net loans and leases to total assets | 49.6807% | 5,211 |
| Net loans and leases to deposits | 55.3791% | 5,502 |
| Net loans and leases to core deposits | 64.2859% | 4,924 |
| Total domestic deposits to total assets | 89.7100% | 1,122 |
| Equity capital to assets | 10.0613% | 4,092 |
| Core capital (leverage) ratio | 9.5863% | 3,986 |
| Tier 1 risk-based capital ratio | 18.5920% | 2,075 |
| Total risk-based capital ratio | 19.8437% | 2,038 |
| Memoranda: | ||
| Average total assets | $52,555,600 | 6,133 |
| Average earning assets | $48,893,000 | 6,091 |
| Average equity | $5,271,600 | 6,217 |
| Average total loans | $30,305,000 | 5,933 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9842% | 1,728 |
| Cost of funding earning assets | 0.4255% | 5,957 |
| Net interest margin | 4.5588% | 889 |
| Noninterest income to average assets | 0.7704% | 2,375 |
| Noninterest expense to average assets | 2.4064% | 5,380 |
| Loan and lease loss provision to assets | 0.1156% | 4,120 |
| Net operating income to assets | 2.4860% | 173 |
| Return on assets (ROA) | 2.4860% | 189 |
| Pretax return on assets | 2.4860% | 301 |
| Return on Equity (ROE) | 24.8043% | 148 |
| Retained earnings to average equity (ytd only) | 4.0999% | 4,014 |
| Net charge-offs to loans | 0.0086% | 5,597 |
| Credit loss provision to net charge-offs | 2,250.0000% | 118 |
| Earnings coverage of net charge-offs (x) | 505.8539% | 85 |
| Efficiency ratio | 48.0513% | 6,714 |
| Assets per employee ($millions) | 4.4089% | 3,060 |
| Cash dividends to net income (ytd only)* | 83.4716% | 579 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5188% | 3,874 |
| Loan loss allowance to noncurrent loans | 180.0830% | 1,934 |
| Noncurrent assets plus other real estate owned to assets | 0.4725% | 5,491 |
| Noncurrent loans to loans | 0.8434% | 4,728 |
| Net loans and leases to total assets | 53.1914% | 4,878 |
| Net loans and leases to deposits | 59.3137% | 5,283 |
| Net loans and leases to core deposits | 69.0618% | 4,601 |
| Total domestic deposits to total assets | 89.6781% | 1,031 |
| Equity capital to assets | 10.1253% | 4,320 |
| Core capital (leverage) ratio | 9.8638% | 3,741 |
| Tier 1 risk-based capital ratio | 16.9404% | 2,766 |
| Total risk-based capital ratio | 18.1896% | 2,726 |
| Memoranda: | ||
| Average total assets | $51,916,500 | 6,222 |
| Average earning assets | $48,257,500 | 6,186 |
| Average equity | $5,203,250 | 6,307 |
| Average total loans | $30,928,000 | 5,978 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0813% | 1,562 |
| Cost of funding earning assets | 0.4377% | 6,049 |
| Net interest margin | 4.6436% | 756 |
| Noninterest income to average assets | 0.9111% | 1,743 |
| Noninterest expense to average assets | 2.4192% | 5,384 |
| Loan and lease loss provision to assets | 0.1163% | 4,074 |
| Net operating income to assets | 2.6945% | 134 |
| Return on assets (ROA) | 2.6945% | 145 |
| Pretax return on assets | 2.6945% | 224 |
| Return on Equity (ROE) | 26.9798% | 116 |
| Retained earnings to average equity (ytd only) | 1.2422% | 5,577 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.2565% | 6,877 |
| Assets per employee ($millions) | 4.5813% | 2,755 |
| Cash dividends to net income (ytd only)* | 95.3957% | 507 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2661% | 5,055 |
| Loan loss allowance to noncurrent loans | 124.5562% | 2,633 |
| Noncurrent assets plus other real estate owned to assets | 0.6312% | 5,196 |
| Noncurrent loans to loans | 1.0165% | 4,479 |
| Net loans and leases to total assets | 59.7181% | 3,877 |
| Net loans and leases to deposits | 66.1229% | 4,497 |
| Net loans and leases to core deposits | 78.7970% | 3,396 |
| Total domestic deposits to total assets | 90.3138% | 759 |
| Equity capital to assets | 9.4916% | 5,077 |
| Core capital (leverage) ratio | 9.4862% | 4,156 |
| Tier 1 risk-based capital ratio | 14.7609% | 3,927 |
| Total risk-based capital ratio | 15.9902% | 3,899 |
| Memoranda: | ||
| Average total assets | $51,586,330 | 6,273 |
| Average earning assets | $47,979,670 | 6,234 |
| Average equity | $5,152,000 | 6,350 |
| Average total loans | $31,712,000 | 5,980 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1872% | 1,347 |
| Cost of funding earning assets | 0.4567% | 6,107 |
| Net interest margin | 4.7305% | 653 |
| Noninterest income to average assets | 0.4971% | 3,928 |
| Noninterest expense to average assets | 2.4693% | 5,249 |
| Loan and lease loss provision to assets | 0.1203% | 3,844 |
| Net operating income to assets | 2.3090% | 240 |
| Return on assets (ROA) | 2.3090% | 289 |
| Pretax return on assets | 2.3090% | 449 |
| Return on Equity (ROE) | 22.5044% | 259 |
| Retained earnings to average equity (ytd only) | -9.6894% | 6,830 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.4092% | 6,649 |
| Assets per employee ($millions) | 4.0797% | 3,844 |
| Cash dividends to net income (ytd only)* | 143.0556% | 326 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2814% | 5,102 |
| Loan loss allowance to noncurrent loans | 134.4371% | 2,386 |
| Noncurrent assets plus other real estate owned to assets | 0.6312% | 5,310 |
| Noncurrent loans to loans | 0.9532% | 4,766 |
| Net loans and leases to total assets | 63.8900% | 2,870 |
| Net loans and leases to deposits | 71.3621% | 3,532 |
| Net loans and leases to core deposits | 86.2413% | 2,264 |
| Total domestic deposits to total assets | 89.5294% | 1,353 |
| Equity capital to assets | 10.3338% | 3,691 |
| Core capital (leverage) ratio | 9.8290% | 3,598 |
| Tier 1 risk-based capital ratio | 14.7718% | 3,913 |
| Total risk-based capital ratio | 16.0231% | 3,872 |
| Memoranda: | ||
| Average total assets | $49,892,000 | 6,371 |
| Average earning assets | $46,422,000 | 6,317 |
| Average equity | $5,119,000 | 6,393 |
| Average total loans | $30,942,500 | 6,065 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7890% | 658 |
| Cost of funding earning assets | 0.7306% | 5,337 |
| Net interest margin | 5.0583% | 362 |
| Noninterest income to average assets | 1.4658% | 603 |
| Noninterest expense to average assets | 2.7228% | 4,654 |
| Loan and lease loss provision to assets | 0.1196% | 5,104 |
| Net operating income to assets | 3.3208% | 69 |
| Return on assets (ROA) | 3.3208% | 69 |
| Pretax return on assets | 3.3208% | 100 |
| Return on Equity (ROE) | 34.6211% | 27 |
| Retained earnings to average equity (ytd only) | 19.7932% | 50 |
| Net charge-offs to loans | 0.0223% | 6,133 |
| Credit loss provision to net charge-offs | 785.7143% | 281 |
| Earnings coverage of net charge-offs (x) | 226.0000% | 150 |
| Efficiency ratio | 44.1778% | 7,120 |
| Assets per employee ($millions) | 4.2357% | 3,403 |
| Cash dividends to net income (ytd only)* | 42.8291% | 2,430 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2947% | 4,929 |
| Loan loss allowance to noncurrent loans | 152.1401% | 2,101 |
| Noncurrent assets plus other real estate owned to assets | 0.8243% | 4,984 |
| Noncurrent loans to loans | 0.8510% | 4,987 |
| Net loans and leases to total assets | 58.6488% | 4,254 |
| Net loans and leases to deposits | 65.4748% | 4,807 |
| Net loans and leases to core deposits | 78.6544% | 3,607 |
| Total domestic deposits to total assets | 89.5746% | 1,222 |
| Equity capital to assets | 10.1893% | 3,921 |
| Core capital (leverage) ratio | 9.7935% | 3,616 |
| Tier 1 risk-based capital ratio | 15.5106% | 3,318 |
| Total risk-based capital ratio | 16.7440% | 3,283 |
| Memoranda: | ||
| Average total assets | $45,982,800 | 6,481 |
| Average earning assets | $42,702,000 | 6,433 |
| Average equity | $4,410,600 | 6,627 |
| Average total loans | $31,431,200 | 6,097 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0177% | 441 |
| Cost of funding earning assets | 0.7915% | 5,201 |
| Net interest margin | 5.2262% | 275 |
| Noninterest income to average assets | 0.4050% | 4,630 |
| Noninterest expense to average assets | 2.8321% | 4,227 |
| Loan and lease loss provision to assets | 0.1191% | 4,944 |
| Net operating income to assets | 2.3109% | 205 |
| Return on assets (ROA) | 2.3109% | 224 |
| Pretax return on assets | 2.3109% | 352 |
| Return on Equity (ROE) | 24.5263% | 148 |
| Retained earnings to average equity (ytd only) | 3.8559% | 3,982 |
| Net charge-offs to loans | 0.0168% | 5,917 |
| Credit loss provision to net charge-offs | 1,000.0000% | 261 |
| Earnings coverage of net charge-offs (x) | 204.1220% | 193 |
| Efficiency ratio | 53.8200% | 6,507 |
| Assets per employee ($millions) | 4.0998% | 3,646 |
| Cash dividends to net income (ytd only)* | 84.2786% | 531 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2228% | 5,382 |
| Loan loss allowance to noncurrent loans | 87.9350% | 3,299 |
| Noncurrent assets plus other real estate owned to assets | 1.2155% | 4,364 |
| Noncurrent loans to loans | 1.3905% | 4,209 |
| Net loans and leases to total assets | 62.2314% | 3,664 |
| Net loans and leases to deposits | 68.5551% | 4,514 |
| Net loans and leases to core deposits | 80.8471% | 3,506 |
| Total domestic deposits to total assets | 90.7759% | 524 |
| Equity capital to assets | 9.0290% | 5,723 |
| Core capital (leverage) ratio | 9.0992% | 4,790 |
| Tier 1 risk-based capital ratio | 13.1530% | 4,986 |
| Total risk-based capital ratio | 14.3356% | 5,010 |
| Memoranda: | ||
| Average total assets | $44,771,500 | 6,561 |
| Average earning assets | $41,609,750 | 6,526 |
| Average equity | $4,218,500 | 6,735 |
| Average total loans | $31,738,750 | 6,153 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0384% | 446 |
| Cost of funding earning assets | 0.8385% | 5,132 |
| Net interest margin | 5.1999% | 274 |
| Noninterest income to average assets | 0.4111% | 4,584 |
| Noninterest expense to average assets | 2.9148% | 3,967 |
| Loan and lease loss provision to assets | 0.1155% | 4,840 |
| Net operating income to assets | 2.2219% | 255 |
| Return on assets (ROA) | 2.2219% | 270 |
| Pretax return on assets | 2.2219% | 397 |
| Return on Equity (ROE) | 23.2143% | 191 |
| Retained earnings to average equity (ytd only) | -2.7992% | 6,353 |
| Net charge-offs to loans | 0.0063% | 5,785 |
| Credit loss provision to net charge-offs | 2,500.0000% | 128 |
| Earnings coverage of net charge-offs (x) | 506.0000% | 64 |
| Efficiency ratio | 55.4969% | 6,461 |
| Assets per employee ($millions) | 3.6339% | 4,604 |
| Cash dividends to net income (ytd only)* | 112.0582% | 339 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0901% | 6,001 |
| Loan loss allowance to noncurrent loans | 293.6000% | 1,071 |
| Noncurrent assets plus other real estate owned to assets | 0.6925% | 5,521 |
| Noncurrent loans to loans | 0.3713% | 6,162 |
| Net loans and leases to total assets | 76.3639% | 1,027 |
| Net loans and leases to deposits | 84.7113% | 1,990 |
| Net loans and leases to core deposits | 99.2164% | 1,414 |
| Total domestic deposits to total assets | 90.1461% | 900 |
| Equity capital to assets | 9.6498% | 4,597 |
| Core capital (leverage) ratio | 9.4258% | 4,069 |
| Tier 1 risk-based capital ratio | 11.9527% | 5,820 |
| Total risk-based capital ratio | 13.0399% | 5,934 |
| Memoranda: | ||
| Average total assets | $43,296,330 | 6,667 |
| Average earning assets | $40,308,670 | 6,628 |
| Average equity | $4,144,000 | 6,802 |
| Average total loans | $31,986,670 | 6,198 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8791% | 627 |
| Cost of funding earning assets | 0.8541% | 5,246 |
| Net interest margin | 5.0250% | 363 |
| Noninterest income to average assets | 0.3801% | 4,874 |
| Noninterest expense to average assets | 2.8928% | 4,087 |
| Loan and lease loss provision to assets | 0.0927% | 4,855 |
| Net operating income to assets | 2.0862% | 307 |
| Return on assets (ROA) | 2.0862% | 322 |
| Pretax return on assets | 2.0862% | 486 |
| Return on Equity (ROE) | 21.8872% | 248 |
| Retained earnings to average equity (ytd only) | -10.3113% | 6,880 |
| Net charge-offs to loans | 0.0385% | 4,571 |
| Credit loss provision to net charge-offs | 333.3333% | 968 |
| Earnings coverage of net charge-offs (x) | 78.3333% | 398 |
| Efficiency ratio | 57.0384% | 6,377 |
| Assets per employee ($millions) | 3.5619% | 4,848 |
| Cash dividends to net income (ytd only)* | 147.1111% | 344 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0956% | 6,063 |
| Loan loss allowance to noncurrent loans | 192.3077% | 1,540 |
| Noncurrent assets plus other real estate owned to assets | 0.8469% | 5,208 |
| Noncurrent loans to loans | 0.5697% | 5,883 |
| Net loans and leases to total assets | 73.9232% | 1,356 |
| Net loans and leases to deposits | 81.8278% | 2,391 |
| Net loans and leases to core deposits | 94.5282% | 1,825 |
| Total domestic deposits to total assets | 90.3399% | 939 |
| Equity capital to assets | 9.5150% | 4,411 |
| Core capital (leverage) ratio | 9.3300% | 4,079 |
| Tier 1 risk-based capital ratio | 12.5535% | 5,214 |
| Total risk-based capital ratio | 13.6555% | 5,333 |
| Memoranda: | ||
| Average total assets | $43,141,000 | 6,724 |
| Average earning assets | $40,278,500 | 6,678 |
| Average equity | $4,112,000 | 6,842 |
| Average total loans | $31,146,500 | 6,283 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5586% | 298 |
| Cost of funding earning assets | 1.0241% | 5,565 |
| Net interest margin | 5.5345% | 164 |
| Noninterest income to average assets | 0.4125% | 4,805 |
| Noninterest expense to average assets | 2.9227% | 4,133 |
| Loan and lease loss provision to assets | 0.2133% | 5,125 |
| Net operating income to assets | 2.3752% | 138 |
| Return on assets (ROA) | 2.3752% | 144 |
| Pretax return on assets | 2.3752% | 221 |
| Return on Equity (ROE) | 25.8674% | 87 |
| Retained earnings to average equity (ytd only) | 13.9405% | 165 |
| Net charge-offs to loans | -0.0158% | 7,346 |
| Credit loss provision to net charge-offs | -1,800.0000% | 7,170 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.0323% | 6,891 |
| Assets per employee ($millions) | 3.6283% | 4,637 |
| Cash dividends to net income (ytd only)* | 46.1078% | 2,280 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1303% | 5,828 |
| Loan loss allowance to noncurrent loans | 211.7284% | 1,434 |
| Noncurrent assets plus other real estate owned to assets | 0.8039% | 5,397 |
| Noncurrent loans to loans | 0.5338% | 5,981 |
| Net loans and leases to total assets | 68.9106% | 2,768 |
| Net loans and leases to deposits | 76.4408% | 3,776 |
| Net loans and leases to core deposits | 88.4783% | 2,987 |
| Total domestic deposits to total assets | 90.1491% | 1,015 |
| Equity capital to assets | 9.5478% | 4,344 |
| Core capital (leverage) ratio | 9.1953% | 4,174 |
| Tier 1 risk-based capital ratio | 13.7978% | 3,992 |
| Total risk-based capital ratio | 14.9543% | 4,031 |
| Memoranda: | ||
| Average total assets | $42,186,600 | 6,791 |
| Average earning assets | $38,865,200 | 6,766 |
| Average equity | $3,873,600 | 7,037 |
| Average total loans | $31,705,600 | 6,330 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5101% | 332 |
| Cost of funding earning assets | 1.0555% | 5,675 |
| Net interest margin | 5.4546% | 188 |
| Noninterest income to average assets | 0.4269% | 4,743 |
| Noninterest expense to average assets | 2.9184% | 4,016 |
| Loan and lease loss provision to assets | 0.1752% | 5,290 |
| Net operating income to assets | 2.3385% | 178 |
| Return on assets (ROA) | 2.3385% | 188 |
| Pretax return on assets | 2.3385% | 312 |
| Return on Equity (ROE) | 25.7351% | 103 |
| Retained earnings to average equity (ytd only) | 9.5368% | 904 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.7243% | 6,811 |
| Assets per employee ($millions) | 3.6419% | 4,638 |
| Cash dividends to net income (ytd only)* | 62.9425% | 1,136 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9708% | 6,515 |
| Loan loss allowance to noncurrent loans | 190.0000% | 1,512 |
| Noncurrent assets plus other real estate owned to assets | 0.7803% | 5,544 |
| Noncurrent loans to loans | 0.5110% | 6,175 |
| Net loans and leases to total assets | 70.9562% | 2,500 |
| Net loans and leases to deposits | 78.2389% | 3,785 |
| Net loans and leases to core deposits | 90.5745% | 3,014 |
| Total domestic deposits to total assets | 90.6917% | 552 |
| Equity capital to assets | 9.0703% | 5,490 |
| Core capital (leverage) ratio | 9.2058% | 4,360 |
| Tier 1 risk-based capital ratio | 11.7863% | 5,652 |
| Total risk-based capital ratio | 12.7230% | 5,944 |
| Memoranda: | ||
| Average total assets | $41,848,500 | 6,888 |
| Average earning assets | $38,401,000 | 6,861 |
| Average equity | $3,802,750 | 7,146 |
| Average total loans | $32,045,500 | 6,392 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5496% | 316 |
| Cost of funding earning assets | 1.1056% | 5,642 |
| Net interest margin | 5.4440% | 184 |
| Noninterest income to average assets | 0.4317% | 4,665 |
| Noninterest expense to average assets | 2.9638% | 3,843 |
| Loan and lease loss provision to assets | 0.0243% | 6,696 |
| Net operating income to assets | 2.4594% | 143 |
| Return on assets (ROA) | 2.4594% | 148 |
| Pretax return on assets | 2.4594% | 247 |
| Return on Equity (ROE) | 27.0472% | 86 |
| Retained earnings to average equity (ytd only) | 7.5220% | 1,630 |
| Net charge-offs to loans | -0.0062% | 7,137 |
| Credit loss provision to net charge-offs | -500.0000% | 6,818 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.4078% | 6,828 |
| Assets per employee ($millions) | 3.4198% | 5,123 |
| Cash dividends to net income (ytd only)* | 72.1893% | 971 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7505% | 7,146 |
| Loan loss allowance to noncurrent loans | 189.5522% | 1,485 |
| Noncurrent assets plus other real estate owned to assets | 0.8017% | 5,512 |
| Noncurrent loans to loans | 0.3959% | 6,451 |
| Net loans and leases to total assets | 81.8530% | 550 |
| Net loans and leases to deposits | 90.5659% | 1,762 |
| Net loans and leases to core deposits | 106.1933% | 1,423 |
| Total domestic deposits to total assets | 90.3794% | 729 |
| Equity capital to assets | 9.3891% | 4,878 |
| Core capital (leverage) ratio | 9.1217% | 4,429 |
| Tier 1 risk-based capital ratio | 10.9364% | 6,308 |
| Total risk-based capital ratio | 11.6886% | 6,714 |
| Memoranda: | ||
| Average total assets | $41,230,330 | 6,952 |
| Average earning assets | $37,987,000 | 6,927 |
| Average equity | $3,749,000 | 7,195 |
| Average total loans | $32,289,330 | 6,424 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4234% | 414 |
| Cost of funding earning assets | 1.2240% | 5,263 |
| Net interest margin | 5.1994% | 289 |
| Noninterest income to average assets | 0.4065% | 4,860 |
| Noninterest expense to average assets | 3.0198% | 3,604 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 2.1971% | 254 |
| Return on assets (ROA) | 2.3036% | 232 |
| Pretax return on assets | 2.3036% | 345 |
| Return on Equity (ROE) | 25.7506% | 143 |
| Retained earnings to average equity (ytd only) | 4.1114% | 3,683 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.8850% | 6,502 |
| Assets per employee ($millions) | 3.3998% | 5,296 |
| Cash dividends to net income (ytd only)* | 84.0336% | 769 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7655% | 7,210 |
| Loan loss allowance to noncurrent loans | 166.4430% | 1,677 |
| Noncurrent assets plus other real estate owned to assets | 0.8334% | 5,492 |
| Noncurrent loans to loans | 0.4599% | 6,374 |
| Net loans and leases to total assets | 78.8048% | 1,008 |
| Net loans and leases to deposits | 86.8708% | 2,432 |
| Net loans and leases to core deposits | 102.8274% | 1,834 |
| Total domestic deposits to total assets | 90.7150% | 648 |
| Equity capital to assets | 9.1134% | 5,116 |
| Core capital (leverage) ratio | 8.8426% | 4,802 |
| Tier 1 risk-based capital ratio | 10.9863% | 6,171 |
| Total risk-based capital ratio | 11.7472% | 6,624 |
| Memoranda: | ||
| Average total assets | $41,327,000 | 7,046 |
| Average earning assets | $38,235,000 | 7,012 |
| Average equity | $3,697,000 | 7,288 |
| Average total loans | $31,512,000 | 6,543 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5718% | 578 |
| Cost of funding earning assets | 1.3133% | 6,264 |
| Net interest margin | 5.2585% | 258 |
| Noninterest income to average assets | 0.5051% | 4,369 |
| Noninterest expense to average assets | 2.9504% | 4,337 |
| Loan and lease loss provision to assets | 0.2639% | 5,296 |
| Net operating income to assets | 2.1814% | 153 |
| Return on assets (ROA) | 2.1864% | 165 |
| Pretax return on assets | 2.1864% | 283 |
| Return on Equity (ROE) | 25.8467% | 83 |
| Retained earnings to average equity (ytd only) | 18.5383% | 49 |
| Net charge-offs to loans | 0.1039% | 6,104 |
| Credit loss provision to net charge-offs | 328.1250% | 995 |
| Earnings coverage of net charge-offs (x) | 30.4063% | 750 |
| Efficiency ratio | 54.6810% | 7,159 |
| Assets per employee ($millions) | 3.4881% | 5,026 |
| Cash dividends to net income (ytd only)* | 28.2759% | 3,396 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8098% | 7,105 |
| Loan loss allowance to noncurrent loans | 71.6763% | 3,826 |
| Noncurrent assets plus other real estate owned to assets | 0.8266% | 5,446 |
| Noncurrent loans to loans | 1.1298% | 5,074 |
| Net loans and leases to total assets | 72.5757% | 2,613 |
| Net loans and leases to deposits | 79.8224% | 4,031 |
| Net loans and leases to core deposits | 100.8331% | 3,918 |
| Total domestic deposits to total assets | 90.9215% | 563 |
| Equity capital to assets | 8.7823% | 5,468 |
| Core capital (leverage) ratio | 8.6971% | 4,928 |
| Tier 1 risk-based capital ratio | 11.4348% | 5,466 |
| Total risk-based capital ratio | 12.2332% | 5,904 |
| Memoranda: | ||
| Average total assets | $39,790,800 | 7,101 |
| Average earning assets | $37,006,800 | 7,056 |
| Average equity | $3,366,000 | 7,485 |
| Average total loans | $30,793,800 | 6,587 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5939% | 621 |
| Cost of funding earning assets | 1.3530% | 6,389 |
| Net interest margin | 5.2408% | 286 |
| Noninterest income to average assets | 0.5398% | 4,160 |
| Noninterest expense to average assets | 3.0112% | 4,001 |
| Loan and lease loss provision to assets | 0.3565% | 4,187 |
| Net operating income to assets | 2.0505% | 260 |
| Return on assets (ROA) | 2.0505% | 289 |
| Pretax return on assets | 2.0505% | 493 |
| Return on Equity (ROE) | 24.4887% | 117 |
| Retained earnings to average equity (ytd only) | 16.7855% | 109 |
| Net charge-offs to loans | 0.1340% | 5,359 |
| Credit loss provision to net charge-offs | 338.7097% | 1,210 |
| Earnings coverage of net charge-offs (x) | 22.8722% | 1,141 |
| Efficiency ratio | 55.5764% | 7,059 |
| Assets per employee ($millions) | 3.4202% | 5,124 |
| Cash dividends to net income (ytd only)* | 31.4575% | 2,826 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7993% | 7,123 |
| Loan loss allowance to noncurrent loans | 53.5484% | 4,764 |
| Noncurrent assets plus other real estate owned to assets | 1.1330% | 4,811 |
| Noncurrent loans to loans | 1.4926% | 4,427 |
| Net loans and leases to total assets | 75.3009% | 2,155 |
| Net loans and leases to deposits | 82.5675% | 3,910 |
| Net loans and leases to core deposits | 107.7618% | 3,500 |
| Total domestic deposits to total assets | 91.1993% | 347 |
| Equity capital to assets | 8.5084% | 6,242 |
| Core capital (leverage) ratio | 8.5185% | 5,461 |
| Tier 1 risk-based capital ratio | 10.4710% | 6,501 |
| Total risk-based capital ratio | 11.2502% | 6,935 |
| Memoranda: | ||
| Average total assets | $39,274,250 | 7,188 |
| Average earning assets | $36,558,250 | 7,133 |
| Average equity | $3,288,500 | 7,575 |
| Average total loans | $30,835,750 | 6,636 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6506% | 602 |
| Cost of funding earning assets | 1.5057% | 6,115 |
| Net interest margin | 5.1449% | 333 |
| Noninterest income to average assets | 0.6359% | 3,439 |
| Noninterest expense to average assets | 2.8228% | 4,862 |
| Loan and lease loss provision to assets | 0.5428% | 2,852 |
| Net operating income to assets | 2.0576% | 259 |
| Return on assets (ROA) | 2.0576% | 283 |
| Pretax return on assets | 2.0576% | 482 |
| Return on Equity (ROE) | 24.7154% | 143 |
| Retained earnings to average equity (ytd only) | 18.6297% | 96 |
| Net charge-offs to loans | 0.0651% | 5,586 |
| Credit loss provision to net charge-offs | 1,050.0000% | 471 |
| Earnings coverage of net charge-offs (x) | 50.3000% | 681 |
| Efficiency ratio | 52.0496% | 7,509 |
| Assets per employee ($millions) | 3.1557% | 5,704 |
| Cash dividends to net income (ytd only)* | 24.6231% | 3,025 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8515% | 6,976 |
| Loan loss allowance to noncurrent loans | 54.8780% | 4,725 |
| Noncurrent assets plus other real estate owned to assets | 1.2993% | 4,345 |
| Noncurrent loans to loans | 1.5516% | 4,168 |
| Net loans and leases to total assets | 83.0226% | 786 |
| Net loans and leases to deposits | 91.2995% | 2,601 |
| Net loans and leases to core deposits | 121.5128% | 2,239 |
| Total domestic deposits to total assets | 90.9343% | 474 |
| Equity capital to assets | 8.8175% | 5,570 |
| Core capital (leverage) ratio | 8.6437% | 5,190 |
| Tier 1 risk-based capital ratio | 10.2691% | 6,629 |
| Total risk-based capital ratio | 11.1281% | 6,996 |
| Memoranda: | ||
| Average total assets | $38,685,000 | 7,270 |
| Average earning assets | $35,997,000 | 7,225 |
| Average equity | $3,220,670 | 7,657 |
| Average total loans | $30,729,670 | 6,692 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5083% | 851 |
| Cost of funding earning assets | 1.6243% | 5,930 |
| Net interest margin | 4.8839% | 519 |
| Noninterest income to average assets | 0.8595% | 2,038 |
| Noninterest expense to average assets | 2.8649% | 4,277 |
| Loan and lease loss provision to assets | 0.9720% | 1,335 |
| Net operating income to assets | 1.5757% | 816 |
| Return on assets (ROA) | 1.5757% | 896 |
| Pretax return on assets | 1.5757% | 1,469 |
| Return on Equity (ROE) | 19.4844% | 462 |
| Retained earnings to average equity (ytd only) | 19.4844% | 180 |
| Net charge-offs to loans | 0.1190% | 4,019 |
| Credit loss provision to net charge-offs | 1,055.5556% | 589 |
| Earnings coverage of net charge-offs (x) | 27.6667% | 1,124 |
| Efficiency ratio | 52.9301% | 7,322 |
| Assets per employee ($millions) | 3.1533% | 5,730 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8496% | 6,973 |
| Loan loss allowance to noncurrent loans | 44.7684% | 5,535 |
| Noncurrent assets plus other real estate owned to assets | 1.6993% | 3,373 |
| Noncurrent loans to loans | 1.8977% | 3,418 |
| Net loans and leases to total assets | 80.5016% | 1,297 |
| Net loans and leases to deposits | 88.3030% | 3,235 |
| Net loans and leases to core deposits | 104.0264% | 4,138 |
| Total domestic deposits to total assets | 91.1652% | 362 |
| Equity capital to assets | 8.5890% | 5,933 |
| Core capital (leverage) ratio | 8.1622% | 6,170 |
| Tier 1 risk-based capital ratio | 10.0673% | 6,838 |
| Total risk-based capital ratio | 10.9204% | 7,201 |
| Memoranda: | ||
| Average total assets | $39,093,500 | 7,292 |
| Average earning assets | $36,446,000 | 7,251 |
| Average equity | $3,161,500 | 7,734 |
| Average total loans | $30,240,000 | 6,751 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2091% | 726 |
| Cost of funding earning assets | 1.8177% | 6,959 |
| Net interest margin | 5.3914% | 240 |
| Noninterest income to average assets | 0.4498% | 5,038 |
| Noninterest expense to average assets | 2.8748% | 4,527 |
| Loan and lease loss provision to assets | 0.2249% | 4,639 |
| Net operating income to assets | 2.3166% | 189 |
| Return on assets (ROA) | 2.3166% | 182 |
| Pretax return on assets | 2.3166% | 302 |
| Return on Equity (ROE) | 28.0163% | 81 |
| Retained earnings to average equity (ytd only) | -2.8508% | 6,068 |
| Net charge-offs to loans | 0.2357% | 3,892 |
| Credit loss provision to net charge-offs | 123.8806% | 4,328 |
| Earnings coverage of net charge-offs (x) | 14.0000% | 2,083 |
| Efficiency ratio | 53.0765% | 7,370 |
| Assets per employee ($millions) | 3.3623% | 5,060 |
| Cash dividends to net income (ytd only)* | 110.1754% | 804 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5881% | 7,697 |
| Loan loss allowance to noncurrent loans | 41.6667% | 5,947 |
| Noncurrent assets plus other real estate owned to assets | 1.0409% | 4,218 |
| Noncurrent loans to loans | 1.4114% | 3,697 |
| Net loans and leases to total assets | 73.3196% | 3,278 |
| Net loans and leases to deposits | 79.6956% | 5,100 |
| Net loans and leases to core deposits | 103.0659% | 4,502 |
| Total domestic deposits to total assets | 91.9996% | 133 |
| Equity capital to assets | 7.6162% | 7,287 |
| Core capital (leverage) ratio | 7.4367% | 7,277 |
| Tier 1 risk-based capital ratio | 9.6444% | 7,154 |
| Total risk-based capital ratio | 10.2228% | 7,800 |
| Memoranda: | ||
| Average total assets | $36,906,800 | 7,346 |
| Average earning assets | $33,998,600 | 7,321 |
| Average equity | $3,051,800 | 7,822 |
| Average total loans | $28,422,200 | 6,806 |