Home > Manson State Bank > Performance and Condition Ratios
Manson State Bank, Performance and Condition Ratios
| 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 | 2.2557% | 4,492 |
| Cost of funding earning assets | 0.1863% | 2,994 |
| Net interest margin | 2.0694% | 4,469 |
| Noninterest income to average assets | 0.1816% | 4,074 |
| Noninterest expense to average assets | 1.9304% | 3,609 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.2580% | 4,226 |
| Return on assets (ROA) | 0.2580% | 4,198 |
| Pretax return on assets | 0.2676% | 4,234 |
| Return on Equity (ROE) | 3.2413% | 4,038 |
| Retained earnings to average equity (ytd only) | 3.2413% | 3,182 |
| 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 | 87.8261% | 646 |
| Assets per employee ($millions) | 6.1139% | 2,696 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1482% | 138 |
| Loan loss allowance to noncurrent loans | 81.0707% | 3,552 |
| Noncurrent assets plus other real estate owned to assets | 1.2220% | 357 |
| Noncurrent loans to loans | 3.8833% | 107 |
| Net loans and leases to total assets | 30.4788% | 4,435 |
| Net loans and leases to deposits | 32.4671% | 4,483 |
| Net loans and leases to core deposits | 33.4573% | 4,492 |
| Total domestic deposits to total assets | 93.8757% | 124 |
| Equity capital to assets | 6.0425% | 4,572 |
| Core capital (leverage) ratio | 9.9560% | 2,333 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $41,856,000 | 4,615 |
| Average earning assets | $40,785,500 | 4,585 |
| Average equity | $3,332,000 | 4,701 |
| Average total loans | $13,798,500 | 4,622 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3263% | 4,575 |
| Cost of funding earning assets | 0.1962% | 3,508 |
| Net interest margin | 2.1301% | 4,523 |
| Noninterest income to average assets | 0.5903% | 2,203 |
| Noninterest expense to average assets | 2.1010% | 3,388 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.5252% | 4,026 |
| Return on assets (ROA) | 0.5252% | 4,075 |
| Pretax return on assets | 0.5528% | 4,171 |
| Return on Equity (ROE) | 5.1048% | 3,973 |
| Retained earnings to average equity (ytd only) | 2.6982% | 3,761 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.1706% | 862 |
| Assets per employee ($millions) | 5.1144% | 3,633 |
| Cash dividends to net income (ytd only)* | 47.1429% | 1,667 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9938% | 149 |
| Loan loss allowance to noncurrent loans | 59.0782% | 3,809 |
| Noncurrent assets plus other real estate owned to assets | 1.7500% | 208 |
| Noncurrent loans to loans | 5.0676% | 72 |
| Net loans and leases to total assets | 33.4987% | 4,392 |
| Net loans and leases to deposits | 37.2446% | 4,436 |
| Net loans and leases to core deposits | 38.4881% | 4,441 |
| Total domestic deposits to total assets | 89.9426% | 989 |
| Equity capital to assets | 9.9670% | 2,686 |
| Core capital (leverage) ratio | 10.4128% | 1,984 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $39,981,000 | 4,664 |
| Average earning assets | $38,730,400 | 4,630 |
| Average equity | $4,113,800 | 4,696 |
| Average total loans | $15,733,000 | 4,637 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3515% | 4,654 |
| Cost of funding earning assets | 0.2012% | 3,594 |
| Net interest margin | 2.1504% | 4,597 |
| Noninterest income to average assets | 0.4696% | 2,754 |
| Noninterest expense to average assets | 2.1334% | 3,271 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.3958% | 4,379 |
| Return on assets (ROA) | 0.3958% | 4,410 |
| Pretax return on assets | 0.4159% | 4,476 |
| Return on Equity (ROE) | 3.8161% | 4,332 |
| Retained earnings to average equity (ytd only) | 0.6145% | 4,481 |
| Net charge-offs to loans | -0.0083% | 3,603 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.6842% | 537 |
| Assets per employee ($millions) | 5.0033% | 3,691 |
| Cash dividends to net income (ytd only)* | 83.8983% | 337 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8479% | 185 |
| Loan loss allowance to noncurrent loans | 54.3702% | 3,901 |
| Noncurrent assets plus other real estate owned to assets | 1.9437% | 198 |
| Noncurrent loans to loans | 5.2380% | 70 |
| Net loans and leases to total assets | 36.0516% | 4,388 |
| Net loans and leases to deposits | 40.1849% | 4,444 |
| Net loans and leases to core deposits | 41.5611% | 4,461 |
| Total domestic deposits to total assets | 89.7142% | 912 |
| Equity capital to assets | 10.1934% | 2,722 |
| Core capital (leverage) ratio | 10.0966% | 2,398 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $39,747,500 | 4,735 |
| Average earning assets | $38,442,000 | 4,699 |
| Average equity | $4,122,750 | 4,764 |
| Average total loans | $16,134,000 | 4,700 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3559% | 4,694 |
| Cost of funding earning assets | 0.1976% | 3,777 |
| Net interest margin | 2.1583% | 4,625 |
| Noninterest income to average assets | 0.6254% | 2,103 |
| Noninterest expense to average assets | 2.1132% | 3,348 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.5750% | 4,036 |
| Return on assets (ROA) | 0.5750% | 4,088 |
| Pretax return on assets | 0.6052% | 4,228 |
| Return on Equity (ROE) | 5.5112% | 4,026 |
| Retained earnings to average equity (ytd only) | 1.6920% | 4,192 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.7365% | 930 |
| Assets per employee ($millions) | 5.0656% | 3,602 |
| Cash dividends to net income (ytd only)* | 69.2982% | 708 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6559% | 224 |
| Loan loss allowance to noncurrent loans | 54.3702% | 3,902 |
| Noncurrent assets plus other real estate owned to assets | 1.9198% | 229 |
| Noncurrent loans to loans | 4.8848% | 88 |
| Net loans and leases to total assets | 38.2579% | 4,376 |
| Net loans and leases to deposits | 42.5911% | 4,439 |
| Net loans and leases to core deposits | 44.0204% | 4,455 |
| Total domestic deposits to total assets | 89.8260% | 859 |
| Equity capital to assets | 10.0753% | 2,785 |
| Core capital (leverage) ratio | 10.1357% | 2,271 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $39,654,667 | 4,766 |
| Average earning assets | $38,457,000 | 4,730 |
| Average equity | $4,137,000 | 4,794 |
| Average total loans | $16,561,000 | 4,729 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4367% | 4,695 |
| Cost of funding earning assets | 0.2004% | 3,910 |
| Net interest margin | 2.2363% | 4,586 |
| Noninterest income to average assets | 0.9689% | 1,189 |
| Noninterest expense to average assets | 2.1520% | 3,264 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.9281% | 3,052 |
| Return on assets (ROA) | 0.9281% | 3,125 |
| Pretax return on assets | 0.9791% | 3,433 |
| Return on Equity (ROE) | 8.7416% | 3,122 |
| Retained earnings to average equity (ytd only) | 5.5716% | 3,039 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7296% | 1,842 |
| Assets per employee ($millions) | 4.4099% | 4,186 |
| Cash dividends to net income (ytd only)* | 36.2637% | 1,518 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4956% | 264 |
| Loan loss allowance to noncurrent loans | 54.3702% | 3,932 |
| Noncurrent assets plus other real estate owned to assets | 1.9602% | 262 |
| Noncurrent loans to loans | 4.5900% | 99 |
| Net loans and leases to total assets | 41.6413% | 4,259 |
| Net loans and leases to deposits | 46.2967% | 4,334 |
| Net loans and leases to core deposits | 47.8808% | 4,380 |
| Total domestic deposits to total assets | 89.9443% | 845 |
| Equity capital to assets | 9.9448% | 2,752 |
| Core capital (leverage) ratio | 10.4733% | 2,105 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $39,219,500 | 4,795 |
| Average earning assets | $37,920,000 | 4,754 |
| Average equity | $4,164,000 | 4,814 |
| Average total loans | $16,878,000 | 4,744 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1452% | 4,509 |
| Cost of funding earning assets | 0.2943% | 4,179 |
| Net interest margin | 2.8509% | 4,187 |
| Noninterest income to average assets | 0.3002% | 3,680 |
| Noninterest expense to average assets | 2.3319% | 3,321 |
| Loan and lease loss provision to assets | 0.3585% | 948 |
| Net operating income to assets | 0.3394% | 4,379 |
| Return on assets (ROA) | 0.7671% | 3,336 |
| Pretax return on assets | 0.8060% | 3,617 |
| Return on Equity (ROE) | 6.1492% | 3,533 |
| Retained earnings to average equity (ytd only) | 0.1337% | 4,485 |
| Net charge-offs to loans | 0.0179% | 2,731 |
| Credit loss provision to net charge-offs | 4,300.0000% | 243 |
| Earnings coverage of net charge-offs (x) | 85.6667% | 862 |
| Efficiency ratio | 76.5511% | 1,167 |
| Assets per employee ($millions) | 4.3056% | 4,112 |
| Cash dividends to net income (ytd only)* | 97.8261% | 280 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5170% | 258 |
| Loan loss allowance to noncurrent loans | 54.3702% | 3,952 |
| Noncurrent assets plus other real estate owned to assets | 2.0077% | 281 |
| Noncurrent loans to loans | 4.6293% | 105 |
| Net loans and leases to total assets | 42.2787% | 4,339 |
| Net loans and leases to deposits | 47.7207% | 4,401 |
| Net loans and leases to core deposits | 49.4193% | 4,442 |
| Total domestic deposits to total assets | 88.5961% | 1,167 |
| Equity capital to assets | 11.3058% | 2,013 |
| Core capital (leverage) ratio | 10.5440% | 2,133 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $35,979,000 | 4,818 |
| Average earning assets | $34,655,600 | 4,787 |
| Average equity | $4,488,400 | 4,802 |
| Average total loans | $16,777,600 | 4,774 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3670% | 4,391 |
| Cost of funding earning assets | 0.3139% | 4,254 |
| Net interest margin | 3.0531% | 3,854 |
| Noninterest income to average assets | 0.3438% | 3,414 |
| Noninterest expense to average assets | 2.3654% | 3,235 |
| Loan and lease loss provision to assets | 0.4109% | 840 |
| Net operating income to assets | 0.4801% | 4,084 |
| Return on assets (ROA) | 0.7708% | 3,320 |
| Pretax return on assets | 0.8124% | 3,614 |
| Return on Equity (ROE) | 6.0239% | 3,543 |
| Retained earnings to average equity (ytd only) | 2.7167% | 3,642 |
| Net charge-offs to loans | 0.0398% | 2,061 |
| Credit loss provision to net charge-offs | 2,180.0000% | 440 |
| Earnings coverage of net charge-offs (x) | 48.6000% | 1,213 |
| Efficiency ratio | 72.0368% | 1,640 |
| Assets per employee ($millions) | 4.2080% | 4,140 |
| Cash dividends to net income (ytd only)* | 54.9020% | 1,291 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3574% | 280 |
| Loan loss allowance to noncurrent loans | 50.8217% | 4,010 |
| Noncurrent assets plus other real estate owned to assets | 2.0886% | 302 |
| Noncurrent loans to loans | 4.6385% | 125 |
| Net loans and leases to total assets | 43.9665% | 4,419 |
| Net loans and leases to deposits | 50.2065% | 4,479 |
| Net loans and leases to core deposits | 52.0572% | 4,525 |
| Total domestic deposits to total assets | 87.5713% | 1,409 |
| Equity capital to assets | 12.2888% | 1,524 |
| Core capital (leverage) ratio | 11.4283% | 1,627 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $35,286,250 | 4,852 |
| Average earning assets | $33,975,500 | 4,824 |
| Average equity | $4,515,250 | 4,827 |
| Average total loans | $16,770,500 | 4,804 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5451% | 4,358 |
| Cost of funding earning assets | 0.3322% | 4,355 |
| Net interest margin | 3.2129% | 3,635 |
| Noninterest income to average assets | 0.4183% | 2,982 |
| Noninterest expense to average assets | 2.4285% | 3,181 |
| Loan and lease loss provision to assets | 0.1220% | 2,813 |
| Net operating income to assets | 0.9130% | 2,642 |
| Return on assets (ROA) | 0.9296% | 2,710 |
| Pretax return on assets | 0.9761% | 3,098 |
| Return on Equity (ROE) | 7.1604% | 3,070 |
| Retained earnings to average equity (ytd only) | 3.4907% | 3,186 |
| Net charge-offs to loans | 0.0600% | 1,649 |
| Credit loss provision to net charge-offs | 420.0000% | 1,368 |
| Earnings coverage of net charge-offs (x) | 37.2000% | 1,296 |
| Efficiency ratio | 69.2053% | 2,058 |
| Assets per employee ($millions) | 3.9787% | 4,333 |
| Cash dividends to net income (ytd only)* | 51.2500% | 1,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7660% | 710 |
| Loan loss allowance to noncurrent loans | 26.8670% | 4,401 |
| Noncurrent assets plus other real estate owned to assets | 3.2535% | 131 |
| Noncurrent loans to loans | 6.5730% | 65 |
| Net loans and leases to total assets | 48.6232% | 4,228 |
| Net loans and leases to deposits | 55.9336% | 4,295 |
| Net loans and leases to core deposits | 58.1219% | 4,346 |
| Total domestic deposits to total assets | 86.9303% | 1,649 |
| Equity capital to assets | 12.9412% | 1,192 |
| Core capital (leverage) ratio | 11.8908% | 1,441 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $34,424,333 | 4,890 |
| Average earning assets | $33,116,000 | 4,857 |
| Average equity | $4,469,000 | 4,857 |
| Average total loans | $16,676,333 | 4,837 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6062% | 4,514 |
| Cost of funding earning assets | 0.3582% | 4,494 |
| Net interest margin | 3.2481% | 3,733 |
| Noninterest income to average assets | 0.4269% | 2,927 |
| Noninterest expense to average assets | 2.4427% | 3,445 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.0453% | 2,021 |
| Return on assets (ROA) | 1.0791% | 2,012 |
| Pretax return on assets | 1.1384% | 2,401 |
| Return on Equity (ROE) | 8.2982% | 2,388 |
| Retained earnings to average equity (ytd only) | 6.1097% | 1,831 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8963% | 2,520 |
| Assets per employee ($millions) | 3.7957% | 4,175 |
| Cash dividends to net income (ytd only)* | 26.3736% | 2,220 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8325% | 677 |
| Loan loss allowance to noncurrent loans | 49.5826% | 4,097 |
| Noncurrent assets plus other real estate owned to assets | 1.7535% | 539 |
| Noncurrent loans to loans | 3.6959% | 237 |
| Net loans and leases to total assets | 46.5736% | 4,399 |
| Net loans and leases to deposits | 53.5528% | 4,463 |
| Net loans and leases to core deposits | 55.7502% | 4,502 |
| Total domestic deposits to total assets | 86.9676% | 1,572 |
| Equity capital to assets | 12.8890% | 1,498 |
| Core capital (leverage) ratio | 12.2710% | 1,574 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.6712% | 783 |
| Memoranda: | ||
| Average total assets | $33,732,500 | 4,932 |
| Average earning assets | $32,388,500 | 4,899 |
| Average equity | $4,386,500 | 4,902 |
| Average total loans | $16,152,500 | 4,880 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8677% | 4,485 |
| Cost of funding earning assets | 0.4225% | 4,371 |
| Net interest margin | 3.4451% | 3,605 |
| Noninterest income to average assets | 0.2331% | 4,282 |
| Noninterest expense to average assets | 2.2838% | 3,980 |
| Loan and lease loss provision to assets | 0.3688% | 404 |
| Net operating income to assets | 0.8324% | 3,445 |
| Return on assets (ROA) | 0.8941% | 3,313 |
| Pretax return on assets | 0.9413% | 3,629 |
| Return on Equity (ROE) | 6.9286% | 3,571 |
| Retained earnings to average equity (ytd only) | 0.0457% | 4,681 |
| Net charge-offs to loans | 0.0473% | 2,440 |
| Credit loss provision to net charge-offs | 1,562.5000% | 232 |
| Earnings coverage of net charge-offs (x) | 52.7500% | 1,083 |
| Efficiency ratio | 64.5485% | 2,993 |
| Assets per employee ($millions) | 3.7004% | 4,268 |
| Cash dividends to net income (ytd only)* | 99.3399% | 314 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8449% | 608 |
| Loan loss allowance to noncurrent loans | 49.4176% | 4,097 |
| Noncurrent assets plus other real estate owned to assets | 1.8046% | 483 |
| Noncurrent loans to loans | 3.7334% | 206 |
| Net loans and leases to total assets | 47.4448% | 4,449 |
| Net loans and leases to deposits | 54.7050% | 4,509 |
| Net loans and leases to core deposits | 57.0083% | 4,552 |
| Total domestic deposits to total assets | 86.7283% | 1,745 |
| Equity capital to assets | 13.1215% | 1,449 |
| Core capital (leverage) ratio | 12.1504% | 1,682 |
| Tier 1 risk-based capital ratio | 19.3006% | 1,458 |
| Total risk-based capital ratio | 20.5509% | 1,421 |
| Memoranda: | ||
| Average total assets | $33,890,200 | 4,979 |
| Average earning assets | $32,422,600 | 4,956 |
| Average equity | $4,373,200 | 4,954 |
| Average total loans | $16,919,200 | 4,930 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9133% | 4,516 |
| Cost of funding earning assets | 0.4384% | 4,370 |
| Net interest margin | 3.4748% | 3,647 |
| Noninterest income to average assets | 0.2311% | 4,353 |
| Noninterest expense to average assets | 2.2093% | 4,161 |
| Loan and lease loss provision to assets | 0.1371% | 1,408 |
| Net operating income to assets | 1.1517% | 2,359 |
| Return on assets (ROA) | 1.1517% | 2,448 |
| Pretax return on assets | 1.2065% | 2,963 |
| Return on Equity (ROE) | 8.9618% | 2,906 |
| Retained earnings to average equity (ytd only) | 4.6029% | 3,102 |
| Net charge-offs to loans | 0.0623% | 1,929 |
| Credit loss provision to net charge-offs | 437.5000% | 705 |
| Earnings coverage of net charge-offs (x) | 42.8604% | 1,307 |
| Efficiency ratio | 61.9625% | 3,332 |
| Assets per employee ($millions) | 3.7464% | 4,223 |
| Cash dividends to net income (ytd only)* | 48.6390% | 1,745 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2308% | 2,331 |
| Loan loss allowance to noncurrent loans | 34.4426% | 4,436 |
| Noncurrent assets plus other real estate owned to assets | 1.7824% | 559 |
| Noncurrent loans to loans | 3.5733% | 217 |
| Net loans and leases to total assets | 49.2675% | 4,468 |
| Net loans and leases to deposits | 57.0938% | 4,509 |
| Net loans and leases to core deposits | 59.4773% | 4,553 |
| Total domestic deposits to total assets | 86.2922% | 1,870 |
| Equity capital to assets | 13.5091% | 1,357 |
| Core capital (leverage) ratio | 12.5291% | 1,553 |
| Tier 1 risk-based capital ratio | 19.3814% | 1,485 |
| Total risk-based capital ratio | 20.3243% | 1,524 |
| Memoranda: | ||
| Average total assets | $34,036,750 | 5,050 |
| Average earning assets | $32,538,000 | 5,028 |
| Average equity | $4,374,000 | 5,024 |
| Average total loans | $17,124,500 | 5,002 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9527% | 4,479 |
| Cost of funding earning assets | 0.4365% | 4,369 |
| Net interest margin | 3.5162% | 3,543 |
| Noninterest income to average assets | 0.2285% | 4,386 |
| Noninterest expense to average assets | 2.1791% | 4,273 |
| Loan and lease loss provision to assets | 0.1172% | 1,598 |
| Net operating income to assets | 1.2184% | 2,077 |
| Return on assets (ROA) | 1.2184% | 2,134 |
| Pretax return on assets | 1.2828% | 2,626 |
| Return on Equity (ROE) | 9.6438% | 2,561 |
| Retained earnings to average equity (ytd only) | 4.7755% | 2,879 |
| Net charge-offs to loans | 0.0929% | 1,431 |
| Credit loss provision to net charge-offs | 250.0000% | 1,009 |
| Earnings coverage of net charge-offs (x) | 29.8750% | 1,466 |
| Efficiency ratio | 60.5565% | 3,648 |
| Assets per employee ($millions) | 3.7503% | 4,180 |
| Cash dividends to net income (ytd only)* | 50.4808% | 1,766 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1394% | 2,849 |
| Loan loss allowance to noncurrent loans | 31.9468% | 4,525 |
| Noncurrent assets plus other real estate owned to assets | 1.7806% | 570 |
| Noncurrent loans to loans | 3.5666% | 230 |
| Net loans and leases to total assets | 49.3556% | 4,502 |
| Net loans and leases to deposits | 57.0768% | 4,554 |
| Net loans and leases to core deposits | 59.4370% | 4,593 |
| Total domestic deposits to total assets | 86.4723% | 1,832 |
| Equity capital to assets | 13.3410% | 1,412 |
| Core capital (leverage) ratio | 12.2793% | 1,654 |
| Tier 1 risk-based capital ratio | 19.1691% | 1,519 |
| Total risk-based capital ratio | 20.0437% | 1,568 |
| Memoranda: | ||
| Average total assets | $34,143,000 | 5,094 |
| Average earning assets | $32,535,000 | 5,068 |
| Average equity | $4,313,670 | 5,068 |
| Average total loans | $17,226,330 | 5,040 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0102% | 4,346 |
| Cost of funding earning assets | 0.4157% | 4,421 |
| Net interest margin | 3.5945% | 3,268 |
| Noninterest income to average assets | 0.2563% | 4,176 |
| Noninterest expense to average assets | 2.1550% | 4,360 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.4445% | 1,251 |
| Return on assets (ROA) | 1.4445% | 1,280 |
| Pretax return on assets | 1.5260% | 1,690 |
| Return on Equity (ROE) | 11.7563% | 1,630 |
| Retained earnings to average equity (ytd only) | 8.0588% | 1,636 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9114% | 4,090 |
| Assets per employee ($millions) | 3.8161% | 4,163 |
| Cash dividends to net income (ytd only)* | 31.4516% | 2,187 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0624% | 3,343 |
| Loan loss allowance to noncurrent loans | 58.2524% | 4,102 |
| Noncurrent assets plus other real estate owned to assets | 0.8997% | 1,563 |
| Noncurrent loans to loans | 1.8239% | 844 |
| Net loans and leases to total assets | 48.8048% | 4,537 |
| Net loans and leases to deposits | 55.9928% | 4,600 |
| Net loans and leases to core deposits | 58.2418% | 4,637 |
| Total domestic deposits to total assets | 87.1626% | 1,734 |
| Equity capital to assets | 12.6394% | 1,664 |
| Core capital (leverage) ratio | 12.2643% | 1,624 |
| Tier 1 risk-based capital ratio | 19.2147% | 1,499 |
| Total risk-based capital ratio | 20.0404% | 1,553 |
| Memoranda: | ||
| Average total assets | $34,338,000 | 5,142 |
| Average earning assets | $32,716,500 | 5,120 |
| Average equity | $4,219,000 | 5,121 |
| Average total loans | $17,414,000 | 5,095 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7779% | 4,538 |
| Cost of funding earning assets | 0.3224% | 4,452 |
| Net interest margin | 3.4555% | 3,847 |
| Noninterest income to average assets | 0.2486% | 4,434 |
| Noninterest expense to average assets | 2.3845% | 3,923 |
| Loan and lease loss provision to assets | 0.0723% | 2,690 |
| Net operating income to assets | 1.0521% | 2,799 |
| Return on assets (ROA) | 1.0521% | 2,785 |
| Pretax return on assets | 1.1070% | 3,239 |
| Return on Equity (ROE) | 8.9921% | 3,003 |
| Retained earnings to average equity (ytd only) | 1.9022% | 4,388 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4761% | 3,633 |
| Assets per employee ($millions) | 3.8146% | 4,160 |
| Cash dividends to net income (ytd only)* | 78.8462% | 745 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0064% | 3,643 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 51.5744% | 4,428 |
| Net loans and leases to deposits | 58.6699% | 4,546 |
| Net loans and leases to core deposits | 61.0194% | 4,589 |
| Total domestic deposits to total assets | 87.9060% | 1,342 |
| Equity capital to assets | 11.9338% | 1,949 |
| Core capital (leverage) ratio | 11.8258% | 1,853 |
| Tier 1 risk-based capital ratio | 17.9589% | 1,765 |
| Total risk-based capital ratio | 18.7470% | 1,857 |
| Memoranda: | ||
| Average total assets | $34,597,800 | 5,181 |
| Average earning assets | $33,193,200 | 5,151 |
| Average equity | $4,048,000 | 5,171 |
| Average total loans | $17,574,200 | 5,133 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6993% | 4,653 |
| Cost of funding earning assets | 0.3206% | 4,375 |
| Net interest margin | 3.3786% | 4,071 |
| Noninterest income to average assets | 0.2500% | 4,478 |
| Noninterest expense to average assets | 2.3386% | 3,997 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.0962% | 2,682 |
| Return on assets (ROA) | 1.0962% | 2,700 |
| Pretax return on assets | 1.1539% | 3,182 |
| Return on Equity (ROE) | 9.4156% | 2,896 |
| Retained earnings to average equity (ytd only) | 5.6163% | 2,875 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4537% | 3,588 |
| Assets per employee ($millions) | 3.7864% | 4,193 |
| Cash dividends to net income (ytd only)* | 40.3511% | 2,042 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8497% | 4,463 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 53.0753% | 4,415 |
| Net loans and leases to deposits | 60.3282% | 4,529 |
| Net loans and leases to core deposits | 62.7563% | 4,583 |
| Total domestic deposits to total assets | 87.9776% | 1,248 |
| Equity capital to assets | 11.8610% | 1,998 |
| Core capital (leverage) ratio | 11.9715% | 1,799 |
| Tier 1 risk-based capital ratio | 18.1727% | 1,750 |
| Total risk-based capital ratio | 18.8468% | 1,861 |
| Memoranda: | ||
| Average total assets | $34,664,500 | 5,247 |
| Average earning assets | $33,267,000 | 5,211 |
| Average equity | $4,035,750 | 5,239 |
| Average total loans | $17,496,250 | 5,196 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6060% | 4,757 |
| Cost of funding earning assets | 0.3169% | 4,292 |
| Net interest margin | 3.2891% | 4,278 |
| Noninterest income to average assets | 0.2582% | 4,461 |
| Noninterest expense to average assets | 2.3006% | 4,140 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.0557% | 2,783 |
| Return on assets (ROA) | 1.0557% | 2,775 |
| Pretax return on assets | 1.1130% | 3,258 |
| Return on Equity (ROE) | 9.1232% | 2,964 |
| Retained earnings to average equity (ytd only) | 4.8095% | 3,180 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8487% | 3,643 |
| Assets per employee ($millions) | 3.9681% | 3,949 |
| Cash dividends to net income (ytd only)* | 47.2826% | 1,797 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8523% | 4,545 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 50.4886% | 4,579 |
| Net loans and leases to deposits | 57.0186% | 4,699 |
| Net loans and leases to core deposits | 59.1821% | 4,741 |
| Total domestic deposits to total assets | 88.5476% | 1,125 |
| Equity capital to assets | 11.2816% | 2,378 |
| Core capital (leverage) ratio | 11.7246% | 1,893 |
| Tier 1 risk-based capital ratio | 17.7548% | 1,872 |
| Total risk-based capital ratio | 18.4277% | 1,989 |
| Memoranda: | ||
| Average total assets | $34,860,000 | 5,308 |
| Average earning assets | $33,444,000 | 5,270 |
| Average equity | $4,033,670 | 5,296 |
| Average total loans | $17,247,670 | 5,262 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4987% | 4,876 |
| Cost of funding earning assets | 0.2895% | 4,417 |
| Net interest margin | 3.2091% | 4,433 |
| Noninterest income to average assets | 0.2904% | 4,226 |
| Noninterest expense to average assets | 2.3582% | 4,047 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.9758% | 2,960 |
| Return on assets (ROA) | 0.9758% | 2,988 |
| Pretax return on assets | 1.0223% | 3,456 |
| Return on Equity (ROE) | 8.3251% | 3,233 |
| Retained earnings to average equity (ytd only) | 5.4509% | 2,974 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9175% | 3,493 |
| Assets per employee ($millions) | 3.8698% | 4,191 |
| Cash dividends to net income (ytd only)* | 34.5238% | 2,012 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8932% | 4,477 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 49.3798% | 4,603 |
| Net loans and leases to deposits | 55.8957% | 4,694 |
| Net loans and leases to core deposits | 58.0778% | 4,747 |
| Total domestic deposits to total assets | 88.3427% | 1,431 |
| Equity capital to assets | 11.5080% | 2,125 |
| Core capital (leverage) ratio | 11.7638% | 1,806 |
| Tier 1 risk-based capital ratio | 17.8111% | 1,889 |
| Total risk-based capital ratio | 18.4959% | 1,998 |
| Memoranda: | ||
| Average total assets | $34,433,500 | 5,371 |
| Average earning assets | $33,155,500 | 5,333 |
| Average equity | $4,036,000 | 5,348 |
| Average total loans | $16,778,500 | 5,333 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3229% | 5,058 |
| Cost of funding earning assets | 0.2579% | 4,503 |
| Net interest margin | 3.0650% | 4,756 |
| Noninterest income to average assets | 0.2677% | 4,518 |
| Noninterest expense to average assets | 2.2928% | 4,351 |
| Loan and lease loss provision to assets | 0.0142% | 4,005 |
| Net operating income to assets | 0.8614% | 2,913 |
| Return on assets (ROA) | 0.8858% | 2,813 |
| Pretax return on assets | 0.9313% | 3,805 |
| Return on Equity (ROE) | 7.4702% | 3,052 |
| Retained earnings to average equity (ytd only) | 0.5044% | 4,830 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5142% | 3,336 |
| Assets per employee ($millions) | 3.7821% | 4,309 |
| Cash dividends to net income (ytd only)* | 93.2476% | 482 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9566% | 4,178 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 47.1489% | 4,821 |
| Net loans and leases to deposits | 53.6128% | 4,916 |
| Net loans and leases to core deposits | 55.7586% | 4,941 |
| Total domestic deposits to total assets | 87.9432% | 1,537 |
| Equity capital to assets | 11.9392% | 1,870 |
| Core capital (leverage) ratio | 11.5751% | 1,889 |
| Tier 1 risk-based capital ratio | 18.7394% | 1,575 |
| Total risk-based capital ratio | 19.4707% | 1,687 |
| Memoranda: | ||
| Average total assets | $35,110,600 | 5,410 |
| Average earning assets | $33,736,000 | 5,371 |
| Average equity | $4,163,200 | 5,401 |
| Average total loans | $14,480,000 | 5,451 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2566% | 5,165 |
| Cost of funding earning assets | 0.2475% | 4,587 |
| Net interest margin | 3.0091% | 4,895 |
| Noninterest income to average assets | 0.2714% | 4,562 |
| Noninterest expense to average assets | 2.2084% | 4,508 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.8983% | 3,035 |
| Return on assets (ROA) | 0.9233% | 2,971 |
| Pretax return on assets | 0.9761% | 3,780 |
| Return on Equity (ROE) | 7.7999% | 3,236 |
| Retained earnings to average equity (ytd only) | 3.7567% | 3,687 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9618% | 3,548 |
| Assets per employee ($millions) | 3.8710% | 4,207 |
| Cash dividends to net income (ytd only)* | 51.8368% | 1,674 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9728% | 4,222 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 43.8273% | 5,038 |
| Net loans and leases to deposits | 51.2847% | 5,082 |
| Net loans and leases to core deposits | 53.3452% | 5,089 |
| Total domestic deposits to total assets | 85.4588% | 2,534 |
| Equity capital to assets | 12.4257% | 1,700 |
| Core capital (leverage) ratio | 11.4973% | 2,020 |
| Tier 1 risk-based capital ratio | 19.0226% | 1,577 |
| Total risk-based capital ratio | 19.7261% | 1,690 |
| Memoranda: | ||
| Average total assets | $35,378,500 | 5,465 |
| Average earning assets | $33,941,000 | 5,424 |
| Average equity | $4,188,000 | 5,456 |
| Average total loans | $14,049,000 | 5,523 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2176% | 5,217 |
| Cost of funding earning assets | 0.2286% | 4,731 |
| Net interest margin | 2.9890% | 4,934 |
| Noninterest income to average assets | 0.2869% | 4,503 |
| Noninterest expense to average assets | 2.2330% | 4,494 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.8780% | 3,028 |
| Return on assets (ROA) | 0.8887% | 3,029 |
| Pretax return on assets | 0.9337% | 3,814 |
| Return on Equity (ROE) | 7.6310% | 3,232 |
| Retained earnings to average equity (ytd only) | 3.0910% | 3,872 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7059% | 3,554 |
| Assets per employee ($millions) | 3.9792% | 3,987 |
| Cash dividends to net income (ytd only)* | 59.4937% | 1,516 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0723% | 3,730 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 38.6396% | 5,279 |
| Net loans and leases to deposits | 45.4659% | 5,298 |
| Net loans and leases to core deposits | 47.2464% | 5,306 |
| Total domestic deposits to total assets | 84.9859% | 2,819 |
| Equity capital to assets | 12.0794% | 1,878 |
| Core capital (leverage) ratio | 11.2045% | 2,217 |
| Tier 1 risk-based capital ratio | 19.1980% | 1,552 |
| Total risk-based capital ratio | 19.9201% | 1,643 |
| Memoranda: | ||
| Average total assets | $35,558,330 | 5,512 |
| Average earning assets | $34,125,330 | 5,471 |
| Average equity | $4,141,000 | 5,501 |
| Average total loans | $13,592,330 | 5,583 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1953% | 5,253 |
| Cost of funding earning assets | 0.2232% | 4,771 |
| Net interest margin | 2.9721% | 4,956 |
| Noninterest income to average assets | 0.3387% | 4,138 |
| Noninterest expense to average assets | 2.2579% | 4,511 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.8924% | 2,801 |
| Return on assets (ROA) | 0.9032% | 2,803 |
| Pretax return on assets | 0.9483% | 3,592 |
| Return on Equity (ROE) | 7.9042% | 2,972 |
| Retained earnings to average equity (ytd only) | 4.5449% | 3,152 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6643% | 3,713 |
| Assets per employee ($millions) | 3.9392% | 4,114 |
| Cash dividends to net income (ytd only)* | 42.5000% | 1,921 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1154% | 3,620 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 37.5088% | 5,346 |
| Net loans and leases to deposits | 42.4829% | 5,401 |
| Net loans and leases to core deposits | 44.0974% | 5,410 |
| Total domestic deposits to total assets | 88.2915% | 1,539 |
| Equity capital to assets | 11.5900% | 2,119 |
| Core capital (leverage) ratio | 11.1701% | 2,218 |
| Tier 1 risk-based capital ratio | 19.5533% | 1,487 |
| Total risk-based capital ratio | 20.2945% | 1,567 |
| Memoranda: | ||
| Average total assets | $35,431,000 | 5,575 |
| Average earning assets | $34,050,000 | 5,535 |
| Average equity | $4,048,500 | 5,577 |
| Average total loans | $13,394,500 | 5,649 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0835% | 5,423 |
| Cost of funding earning assets | 0.1963% | 5,051 |
| Net interest margin | 2.8872% | 5,161 |
| Noninterest income to average assets | 0.2609% | 4,865 |
| Noninterest expense to average assets | 2.1522% | 4,888 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.8211% | 3,203 |
| Return on assets (ROA) | 0.8804% | 3,043 |
| Pretax return on assets | 0.9293% | 3,737 |
| Return on Equity (ROE) | 7.5765% | 3,180 |
| Retained earnings to average equity (ytd only) | 0.7951% | 5,002 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2565% | 3,718 |
| Assets per employee ($millions) | 3.9343% | 4,088 |
| Cash dividends to net income (ytd only)* | 89.5062% | 606 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1244% | 3,579 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 37.2532% | 5,436 |
| Net loans and leases to deposits | 42.7405% | 5,469 |
| Net loans and leases to core deposits | 44.3962% | 5,477 |
| Total domestic deposits to total assets | 87.1615% | 2,050 |
| Equity capital to assets | 11.2627% | 2,359 |
| Core capital (leverage) ratio | 10.9664% | 2,374 |
| Tier 1 risk-based capital ratio | 19.1826% | 1,548 |
| Total risk-based capital ratio | 19.9159% | 1,653 |
| Memoranda: | ||
| Average total assets | $36,800,400 | 5,599 |
| Average earning assets | $35,155,400 | 5,562 |
| Average equity | $4,276,400 | 5,592 |
| Average total loans | $13,328,000 | 5,704 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0955% | 5,475 |
| Cost of funding earning assets | 0.1993% | 5,078 |
| Net interest margin | 2.8961% | 5,196 |
| Noninterest income to average assets | 0.2584% | 4,915 |
| Noninterest expense to average assets | 2.1355% | 4,923 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.8435% | 3,184 |
| Return on assets (ROA) | 0.9116% | 2,977 |
| Pretax return on assets | 0.9583% | 3,781 |
| Return on Equity (ROE) | 7.7880% | 3,127 |
| Retained earnings to average equity (ytd only) | 3.9246% | 3,509 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7268% | 3,806 |
| Assets per employee ($millions) | 3.9767% | 4,007 |
| Cash dividends to net income (ytd only)* | 49.6073% | 1,901 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1377% | 3,629 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 36.4208% | 5,534 |
| Net loans and leases to deposits | 41.7173% | 5,589 |
| Net loans and leases to core deposits | 43.3114% | 5,599 |
| Total domestic deposits to total assets | 87.3037% | 1,760 |
| Equity capital to assets | 12.5035% | 1,776 |
| Core capital (leverage) ratio | 11.0899% | 2,363 |
| Tier 1 risk-based capital ratio | 19.8839% | 1,466 |
| Total risk-based capital ratio | 20.6282% | 1,537 |
| Memoranda: | ||
| Average total assets | $37,148,250 | 5,654 |
| Average earning assets | $35,449,000 | 5,613 |
| Average equity | $4,348,500 | 5,645 |
| Average total loans | $13,324,750 | 5,764 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0953% | 5,552 |
| Cost of funding earning assets | 0.2004% | 5,137 |
| Net interest margin | 2.8949% | 5,275 |
| Noninterest income to average assets | 0.2553% | 4,949 |
| Noninterest expense to average assets | 2.1063% | 5,043 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.8691% | 3,011 |
| Return on assets (ROA) | 0.9096% | 2,949 |
| Pretax return on assets | 0.9574% | 3,755 |
| Return on Equity (ROE) | 7.9418% | 3,008 |
| Retained earnings to average equity (ytd only) | 3.5297% | 3,648 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9085% | 4,037 |
| Assets per employee ($millions) | 4.0420% | 3,827 |
| Cash dividends to net income (ytd only)* | 55.5556% | 1,719 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1170% | 3,859 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 36.5028% | 5,585 |
| Net loans and leases to deposits | 41.7408% | 5,631 |
| Net loans and leases to core deposits | 43.3006% | 5,641 |
| Total domestic deposits to total assets | 87.4512% | 1,691 |
| Equity capital to assets | 12.3261% | 1,886 |
| Core capital (leverage) ratio | 10.7243% | 2,722 |
| Tier 1 risk-based capital ratio | 17.8738% | 1,968 |
| Total risk-based capital ratio | 18.5532% | 2,092 |
| Memoranda: | ||
| Average total assets | $37,601,000 | 5,711 |
| Average earning assets | $35,925,330 | 5,666 |
| Average equity | $4,306,330 | 5,717 |
| Average total loans | $13,371,330 | 5,833 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1236% | 5,579 |
| Cost of funding earning assets | 0.2082% | 5,122 |
| Net interest margin | 2.9153% | 5,299 |
| Noninterest income to average assets | 0.2617% | 4,855 |
| Noninterest expense to average assets | 2.1250% | 5,063 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.8793% | 2,858 |
| Return on assets (ROA) | 0.8793% | 2,973 |
| Pretax return on assets | 0.9212% | 3,760 |
| Return on Equity (ROE) | 7.9668% | 2,935 |
| Retained earnings to average equity (ytd only) | 4.6473% | 3,151 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9175% | 4,140 |
| Assets per employee ($millions) | 4.2554% | 3,480 |
| Cash dividends to net income (ytd only)* | 41.6667% | 2,022 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1081% | 4,004 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 34.9539% | 5,677 |
| Net loans and leases to deposits | 42.2303% | 5,648 |
| Net loans and leases to core deposits | 43.8142% | 5,663 |
| Total domestic deposits to total assets | 82.7698% | 3,979 |
| Equity capital to assets | 11.2431% | 2,690 |
| Core capital (leverage) ratio | 10.1985% | 3,316 |
| Tier 1 risk-based capital ratio | 16.5678% | 2,449 |
| Total risk-based capital ratio | 17.2035% | 2,649 |
| Memoranda: | ||
| Average total assets | $38,212,500 | 5,753 |
| Average earning assets | $36,496,500 | 5,714 |
| Average equity | $4,217,500 | 5,770 |
| Average total loans | $13,342,500 | 5,891 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9436% | 5,785 |
| Cost of funding earning assets | 0.1961% | 5,318 |
| Net interest margin | 2.7475% | 5,596 |
| Noninterest income to average assets | 0.2362% | 5,179 |
| Noninterest expense to average assets | 2.0723% | 5,305 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.7514% | 3,561 |
| Return on assets (ROA) | 0.8294% | 3,272 |
| Pretax return on assets | 0.8731% | 3,942 |
| Return on Equity (ROE) | 7.6403% | 3,167 |
| Retained earnings to average equity (ytd only) | 0.5677% | 5,290 |
| Net charge-offs to loans | 0.0922% | 2,512 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 25.6667% | 1,624 |
| Efficiency ratio | 66.3677% | 3,845 |
| Assets per employee ($millions) | 4.2362% | 3,510 |
| Cash dividends to net income (ytd only)* | 92.5697% | 547 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1409% | 3,803 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 34.0922% | 5,773 |
| Net loans and leases to deposits | 39.2487% | 5,798 |
| Net loans and leases to core deposits | 40.9928% | 5,794 |
| Total domestic deposits to total assets | 86.8620% | 2,211 |
| Equity capital to assets | 10.8299% | 2,997 |
| Core capital (leverage) ratio | 10.1558% | 3,313 |
| Tier 1 risk-based capital ratio | 17.1138% | 2,245 |
| Total risk-based capital ratio | 17.7736% | 2,423 |
| Memoranda: | ||
| Average total assets | $38,942,600 | 5,786 |
| Average earning assets | $37,233,800 | 5,744 |
| Average equity | $4,227,600 | 5,815 |
| Average total loans | $13,020,800 | 5,954 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8836% | 5,905 |
| Cost of funding earning assets | 0.2100% | 5,292 |
| Net interest margin | 2.6736% | 5,754 |
| Noninterest income to average assets | 0.2554% | 5,114 |
| Noninterest expense to average assets | 2.0197% | 5,443 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.7524% | 3,671 |
| Return on assets (ROA) | 0.8106% | 3,477 |
| Pretax return on assets | 0.8549% | 4,156 |
| Return on Equity (ROE) | 7.4626% | 3,365 |
| Retained earnings to average equity (ytd only) | 3.3864% | 4,058 |
| Net charge-offs to loans | 0.1232% | 1,893 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 19.4163% | 1,940 |
| Efficiency ratio | 65.7385% | 3,938 |
| Assets per employee ($millions) | 4.2678% | 3,387 |
| Cash dividends to net income (ytd only)* | 54.6214% | 1,669 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1425% | 3,982 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 33.7907% | 5,868 |
| Net loans and leases to deposits | 38.1657% | 5,920 |
| Net loans and leases to core deposits | 39.8117% | 5,923 |
| Total domestic deposits to total assets | 88.5368% | 1,282 |
| Equity capital to assets | 11.2991% | 2,700 |
| Core capital (leverage) ratio | 10.2601% | 3,299 |
| Tier 1 risk-based capital ratio | 17.1447% | 2,317 |
| Total risk-based capital ratio | 17.7927% | 2,514 |
| Memoranda: | ||
| Average total assets | $39,146,750 | 5,860 |
| Average earning assets | $37,452,250 | 5,818 |
| Average equity | $4,252,250 | 5,889 |
| Average total loans | $12,989,000 | 6,030 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8507% | 5,982 |
| Cost of funding earning assets | 0.2070% | 5,379 |
| Net interest margin | 2.6437% | 5,834 |
| Noninterest income to average assets | 0.2589% | 5,101 |
| Noninterest expense to average assets | 2.0105% | 5,513 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.7354% | 3,713 |
| Return on assets (ROA) | 0.8174% | 3,403 |
| Pretax return on assets | 0.8631% | 4,087 |
| Return on Equity (ROE) | 7.6249% | 3,252 |
| Retained earnings to average equity (ytd only) | 2.9363% | 4,166 |
| Net charge-offs to loans | 0.1236% | 1,774 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 19.1250% | 1,768 |
| Efficiency ratio | 65.9381% | 4,023 |
| Assets per employee ($millions) | 4.3038% | 3,297 |
| Cash dividends to net income (ytd only)* | 61.4907% | 1,479 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2075% | 3,744 |
| Loan loss allowance to noncurrent loans | 1,530.0000% | 371 |
| Noncurrent assets plus other real estate owned to assets | 0.0258% | 5,787 |
| Noncurrent loans to loans | 0.0789% | 5,419 |
| Net loans and leases to total assets | 32.3179% | 5,957 |
| Net loans and leases to deposits | 36.3009% | 6,027 |
| Net loans and leases to core deposits | 37.8405% | 6,029 |
| Total domestic deposits to total assets | 89.0277% | 1,123 |
| Equity capital to assets | 10.8045% | 3,101 |
| Core capital (leverage) ratio | 9.9459% | 3,689 |
| Tier 1 risk-based capital ratio | 17.2634% | 2,297 |
| Total risk-based capital ratio | 17.9381% | 2,476 |
| Memoranda: | ||
| Average total assets | $39,392,330 | 5,912 |
| Average earning assets | $37,674,670 | 5,871 |
| Average equity | $4,223,000 | 5,955 |
| Average total loans | $12,942,330 | 6,098 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8247% | 6,052 |
| Cost of funding earning assets | 0.1995% | 5,515 |
| Net interest margin | 2.6252% | 5,896 |
| Noninterest income to average assets | 0.2719% | 5,005 |
| Noninterest expense to average assets | 2.0140% | 5,552 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.7396% | 3,595 |
| Return on assets (ROA) | 0.8257% | 3,261 |
| Pretax return on assets | 0.8660% | 4,004 |
| Return on Equity (ROE) | 7.7322% | 3,103 |
| Retained earnings to average equity (ytd only) | 4.0547% | 3,572 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0650% | 4,148 |
| Assets per employee ($millions) | 4.5557% | 2,967 |
| Cash dividends to net income (ytd only)* | 47.5610% | 1,812 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2591% | 3,640 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 30.9846% | 6,032 |
| Net loans and leases to deposits | 34.7208% | 6,106 |
| Net loans and leases to core deposits | 35.5566% | 6,111 |
| Total domestic deposits to total assets | 89.2393% | 1,122 |
| Equity capital to assets | 10.5875% | 3,444 |
| Core capital (leverage) ratio | 9.9736% | 3,635 |
| Tier 1 risk-based capital ratio | 18.0018% | 2,137 |
| Total risk-based capital ratio | 18.7514% | 2,256 |
| Memoranda: | ||
| Average total assets | $39,721,500 | 5,962 |
| Average earning assets | $38,092,500 | 5,920 |
| Average equity | $4,242,000 | 6,005 |
| Average total loans | $13,078,000 | 6,150 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9314% | 6,109 |
| Cost of funding earning assets | 0.2342% | 5,477 |
| Net interest margin | 2.6972% | 5,943 |
| Noninterest income to average assets | 0.3197% | 4,832 |
| Noninterest expense to average assets | 2.0832% | 5,614 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.7043% | 3,871 |
| Return on assets (ROA) | 0.7442% | 3,756 |
| Pretax return on assets | 0.7835% | 4,317 |
| Return on Equity (ROE) | 7.0307% | 3,606 |
| Retained earnings to average equity (ytd only) | 0.3466% | 5,620 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5325% | 3,977 |
| Assets per employee ($millions) | 4.2713% | 3,417 |
| Cash dividends to net income (ytd only)* | 95.0704% | 459 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2190% | 3,890 |
| Loan loss allowance to noncurrent loans | 1,620.0000% | 404 |
| Noncurrent assets plus other real estate owned to assets | 0.0260% | 5,939 |
| Noncurrent loans to loans | 0.0752% | 5,581 |
| Net loans and leases to total assets | 34.1501% | 6,026 |
| Net loans and leases to deposits | 40.9189% | 6,002 |
| Net loans and leases to core deposits | 42.0446% | 6,038 |
| Total domestic deposits to total assets | 83.4582% | 3,925 |
| Equity capital to assets | 10.7773% | 3,147 |
| Core capital (leverage) ratio | 9.5771% | 4,137 |
| Tier 1 risk-based capital ratio | 17.3180% | 2,373 |
| Total risk-based capital ratio | 18.0808% | 2,533 |
| Memoranda: | ||
| Average total assets | $38,163,200 | 6,080 |
| Average earning assets | $35,444,400 | 6,050 |
| Average equity | $4,039,400 | 6,085 |
| Average total loans | $11,836,200 | 6,257 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9147% | 6,196 |
| Cost of funding earning assets | 0.2432% | 5,475 |
| Net interest margin | 2.6715% | 6,041 |
| Noninterest income to average assets | 0.3360% | 4,752 |
| Noninterest expense to average assets | 2.0510% | 5,675 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.7091% | 3,892 |
| Return on assets (ROA) | 0.7490% | 3,765 |
| Pretax return on assets | 0.7875% | 4,404 |
| Return on Equity (ROE) | 7.1093% | 3,653 |
| Retained earnings to average equity (ytd only) | 3.8535% | 3,912 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0839% | 4,031 |
| Assets per employee ($millions) | 4.2814% | 3,328 |
| Cash dividends to net income (ytd only)* | 45.7926% | 2,054 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3055% | 3,613 |
| Loan loss allowance to noncurrent loans | 1,620.0000% | 372 |
| Noncurrent assets plus other real estate owned to assets | 0.0260% | 6,067 |
| Noncurrent loans to loans | 0.0806% | 5,702 |
| Net loans and leases to total assets | 31.7831% | 6,192 |
| Net loans and leases to deposits | 38.2420% | 6,176 |
| Net loans and leases to core deposits | 39.2935% | 6,195 |
| Total domestic deposits to total assets | 83.1106% | 4,100 |
| Equity capital to assets | 10.9880% | 2,969 |
| Core capital (leverage) ratio | 9.8369% | 3,893 |
| Tier 1 risk-based capital ratio | 18.8792% | 1,936 |
| Total risk-based capital ratio | 19.6920% | 2,037 |
| Memoranda: | ||
| Average total assets | $38,093,500 | 6,155 |
| Average earning assets | $35,085,000 | 6,134 |
| Average equity | $4,013,500 | 6,155 |
| Average total loans | $11,472,750 | 6,339 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9457% | 6,224 |
| Cost of funding earning assets | 0.2546% | 5,444 |
| Net interest margin | 2.6911% | 6,062 |
| Noninterest income to average assets | 0.2583% | 5,348 |
| Noninterest expense to average assets | 2.0766% | 5,675 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.5987% | 4,359 |
| Return on assets (ROA) | 0.6588% | 4,149 |
| Pretax return on assets | 0.6957% | 4,655 |
| Return on Equity (ROE) | 6.3452% | 3,968 |
| Retained earnings to average equity (ytd only) | 2.4873% | 4,623 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0389% | 3,654 |
| Assets per employee ($millions) | 4.2826% | 3,306 |
| Cash dividends to net income (ytd only)* | 60.8000% | 1,494 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4721% | 3,020 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 28.1322% | 6,356 |
| Net loans and leases to deposits | 31.6040% | 6,393 |
| Net loans and leases to core deposits | 33.0076% | 6,389 |
| Total domestic deposits to total assets | 89.0149% | 1,340 |
| Equity capital to assets | 10.8243% | 3,062 |
| Core capital (leverage) ratio | 9.6819% | 4,068 |
| Tier 1 risk-based capital ratio | 18.9994% | 1,924 |
| Total risk-based capital ratio | 19.8358% | 1,995 |
| Memoranda: | ||
| Average total assets | $37,947,000 | 6,217 |
| Average earning assets | $34,558,330 | 6,208 |
| Average equity | $3,940,000 | 6,214 |
| Average total loans | $11,160,670 | 6,405 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0203% | 6,221 |
| Cost of funding earning assets | 0.2497% | 5,582 |
| Net interest margin | 2.7706% | 5,998 |
| Noninterest income to average assets | 0.2762% | 5,164 |
| Noninterest expense to average assets | 2.1355% | 5,603 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.5886% | 4,243 |
| Return on assets (ROA) | 0.6693% | 3,930 |
| Pretax return on assets | 0.7012% | 4,483 |
| Return on Equity (ROE) | 6.5900% | 3,685 |
| Retained earnings to average equity (ytd only) | 4.1841% | 3,617 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0425% | 3,648 |
| Assets per employee ($millions) | 4.1919% | 3,545 |
| Cash dividends to net income (ytd only)* | 36.5079% | 2,109 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4545% | 3,352 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 29.0932% | 6,388 |
| Net loans and leases to deposits | 32.5630% | 6,414 |
| Net loans and leases to core deposits | 34.0320% | 6,410 |
| Total domestic deposits to total assets | 89.3445% | 1,449 |
| Equity capital to assets | 10.4779% | 3,263 |
| Core capital (leverage) ratio | 9.7531% | 3,926 |
| Tier 1 risk-based capital ratio | 18.8720% | 2,005 |
| Total risk-based capital ratio | 19.7087% | 2,098 |
| Memoranda: | ||
| Average total assets | $37,649,000 | 6,292 |
| Average earning assets | $33,639,500 | 6,294 |
| Average equity | $3,824,000 | 6,285 |
| Average total loans | $11,238,500 | 6,471 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7816% | 6,505 |
| Cost of funding earning assets | 0.2854% | 5,709 |
| Net interest margin | 2.4963% | 6,374 |
| Noninterest income to average assets | 0.2982% | 5,218 |
| Noninterest expense to average assets | 2.0297% | 5,972 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.5831% | 4,343 |
| Return on assets (ROA) | 0.8069% | 3,356 |
| Pretax return on assets | 0.8495% | 3,963 |
| Return on Equity (ROE) | 7.8860% | 3,087 |
| Retained earnings to average equity (ytd only) | 0.7592% | 5,496 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4265% | 3,766 |
| Assets per employee ($millions) | 4.1746% | 3,500 |
| Cash dividends to net income (ytd only)* | 90.3727% | 631 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4287% | 3,516 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 29.7490% | 6,465 |
| Net loans and leases to deposits | 33.1308% | 6,506 |
| Net loans and leases to core deposits | 34.5150% | 6,507 |
| Total domestic deposits to total assets | 89.7927% | 1,182 |
| Equity capital to assets | 9.8347% | 3,980 |
| Core capital (leverage) ratio | 9.4628% | 4,319 |
| Tier 1 risk-based capital ratio | 18.9655% | 1,931 |
| Total risk-based capital ratio | 19.8197% | 2,026 |
| Memoranda: | ||
| Average total assets | $39,906,600 | 6,290 |
| Average earning assets | $37,496,200 | 6,234 |
| Average equity | $4,083,200 | 6,308 |
| Average total loans | $11,030,000 | 6,552 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7604% | 6,595 |
| Cost of funding earning assets | 0.2915% | 5,801 |
| Net interest margin | 2.4689% | 6,454 |
| Noninterest income to average assets | 0.3062% | 5,252 |
| Noninterest expense to average assets | 1.9626% | 6,079 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.6258% | 4,238 |
| Return on assets (ROA) | 0.8166% | 3,392 |
| Pretax return on assets | 0.8594% | 4,052 |
| Return on Equity (ROE) | 7.9101% | 3,170 |
| Retained earnings to average equity (ytd only) | 3.6680% | 4,092 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5930% | 3,981 |
| Assets per employee ($millions) | 4.3610% | 3,118 |
| Cash dividends to net income (ytd only)* | 53.6291% | 1,708 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4695% | 3,594 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 27.6746% | 6,608 |
| Net loans and leases to deposits | 30.7993% | 6,648 |
| Net loans and leases to core deposits | 32.1190% | 6,643 |
| Total domestic deposits to total assets | 89.8545% | 1,083 |
| Equity capital to assets | 9.9901% | 3,913 |
| Core capital (leverage) ratio | 9.4905% | 4,423 |
| Tier 1 risk-based capital ratio | 18.4910% | 2,144 |
| Total risk-based capital ratio | 19.3086% | 2,264 |
| Memoranda: | ||
| Average total assets | $40,490,500 | 6,345 |
| Average earning assets | $37,965,000 | 6,300 |
| Average equity | $4,180,250 | 6,357 |
| Average total loans | $10,952,750 | 6,625 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7312% | 6,646 |
| Cost of funding earning assets | 0.3017% | 5,813 |
| Net interest margin | 2.4295% | 6,526 |
| Noninterest income to average assets | 0.3227% | 5,128 |
| Noninterest expense to average assets | 1.9216% | 6,182 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.6481% | 4,067 |
| Return on assets (ROA) | 0.8850% | 3,030 |
| Pretax return on assets | 0.9339% | 3,767 |
| Return on Equity (ROE) | 8.4844% | 2,855 |
| Retained earnings to average equity (ytd only) | 3.7031% | 3,950 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3546% | 4,297 |
| Assets per employee ($millions) | 4.3890% | 3,012 |
| Cash dividends to net income (ytd only)* | 56.3536% | 1,617 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4647% | 3,745 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0582% | 6,326 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 27.5892% | 6,642 |
| Net loans and leases to deposits | 30.6744% | 6,682 |
| Net loans and leases to core deposits | 31.9758% | 6,686 |
| Total domestic deposits to total assets | 89.9420% | 1,062 |
| Equity capital to assets | 9.8630% | 4,107 |
| Core capital (leverage) ratio | 8.8741% | 5,185 |
| Tier 1 risk-based capital ratio | 18.4362% | 2,162 |
| Total risk-based capital ratio | 19.2636% | 2,280 |
| Memoranda: | ||
| Average total assets | $40,904,330 | 6,383 |
| Average earning assets | $38,444,330 | 6,330 |
| Average equity | $4,266,670 | 6,392 |
| Average total loans | $10,929,000 | 6,672 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7430% | 6,714 |
| Cost of funding earning assets | 0.3300% | 5,724 |
| Net interest margin | 2.4130% | 6,583 |
| Noninterest income to average assets | 0.2980% | 5,323 |
| Noninterest expense to average assets | 1.8363% | 6,388 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.6730% | 3,829 |
| Return on assets (ROA) | 0.6730% | 3,986 |
| Pretax return on assets | 0.7114% | 4,528 |
| Return on Equity (ROE) | 6.2893% | 3,890 |
| Retained earnings to average equity (ytd only) | 2.6954% | 4,672 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6604% | 4,718 |
| Assets per employee ($millions) | 4.6779% | 2,686 |
| Cash dividends to net income (ytd only)* | 57.1429% | 1,373 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4705% | 3,930 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0546% | 6,443 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 25.7832% | 6,736 |
| Net loans and leases to deposits | 28.9312% | 6,768 |
| Net loans and leases to core deposits | 30.0868% | 6,762 |
| Total domestic deposits to total assets | 89.1190% | 1,615 |
| Equity capital to assets | 10.6625% | 3,361 |
| Core capital (leverage) ratio | 8.6452% | 5,398 |
| Tier 1 risk-based capital ratio | 18.6910% | 2,128 |
| Total risk-based capital ratio | 19.5454% | 2,226 |
| Memoranda: | ||
| Average total assets | $41,606,000 | 6,415 |
| Average earning assets | $38,790,000 | 6,375 |
| Average equity | $4,452,000 | 6,403 |
| Average total loans | $10,863,500 | 6,738 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9062% | 6,815 |
| Cost of funding earning assets | 0.4554% | 5,541 |
| Net interest margin | 2.4508% | 6,739 |
| Noninterest income to average assets | 0.2770% | 5,481 |
| Noninterest expense to average assets | 1.9011% | 6,490 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.6391% | 4,041 |
| Return on assets (ROA) | 0.8057% | 3,513 |
| Pretax return on assets | 0.8489% | 4,111 |
| Return on Equity (ROE) | 7.2118% | 3,522 |
| Retained earnings to average equity (ytd only) | 1.5925% | 5,075 |
| Net charge-offs to loans | -0.2011% | 6,939 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2261% | 4,289 |
| Assets per employee ($millions) | 4.5679% | 2,845 |
| Cash dividends to net income (ytd only)* | 77.9180% | 1,079 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5126% | 3,697 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0559% | 6,484 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 25.6574% | 6,818 |
| Net loans and leases to deposits | 28.8441% | 6,856 |
| Net loans and leases to core deposits | 30.0265% | 6,844 |
| Total domestic deposits to total assets | 88.9519% | 1,593 |
| Equity capital to assets | 10.7392% | 3,232 |
| Core capital (leverage) ratio | 8.6603% | 5,382 |
| Tier 1 risk-based capital ratio | 18.5718% | 2,082 |
| Total risk-based capital ratio | 19.4319% | 2,159 |
| Memoranda: | ||
| Average total assets | $39,344,800 | 6,521 |
| Average earning assets | $36,886,600 | 6,476 |
| Average equity | $4,395,600 | 6,465 |
| Average total loans | $10,441,400 | 6,832 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9482% | 6,919 |
| Cost of funding earning assets | 0.4749% | 5,593 |
| Net interest margin | 2.4733% | 6,842 |
| Noninterest income to average assets | 0.2947% | 5,419 |
| Noninterest expense to average assets | 1.9158% | 6,499 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.6640% | 4,071 |
| Return on assets (ROA) | 0.8431% | 3,491 |
| Pretax return on assets | 0.8876% | 4,165 |
| Return on Equity (ROE) | 7.4700% | 3,546 |
| Retained earnings to average equity (ytd only) | 2.8847% | 4,821 |
| Net charge-offs to loans | -0.2699% | 7,039 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7104% | 4,309 |
| Assets per employee ($millions) | 4.4361% | 3,026 |
| Cash dividends to net income (ytd only)* | 61.3830% | 1,224 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5689% | 3,655 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0701% | 6,568 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 25.4577% | 6,931 |
| Net loans and leases to deposits | 28.9284% | 6,967 |
| Net loans and leases to core deposits | 30.1584% | 6,965 |
| Total domestic deposits to total assets | 88.0025% | 2,040 |
| Equity capital to assets | 11.7145% | 2,519 |
| Core capital (leverage) ratio | 8.9200% | 5,166 |
| Tier 1 risk-based capital ratio | 19.5505% | 1,869 |
| Total risk-based capital ratio | 20.4539% | 1,920 |
| Memoranda: | ||
| Average total assets | $38,903,250 | 6,622 |
| Average earning assets | $36,495,250 | 6,562 |
| Average equity | $4,390,750 | 6,540 |
| Average total loans | $10,374,250 | 6,924 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9653% | 6,988 |
| Cost of funding earning assets | 0.4970% | 5,642 |
| Net interest margin | 2.4684% | 6,918 |
| Noninterest income to average assets | 0.3112% | 5,324 |
| Noninterest expense to average assets | 1.9397% | 6,533 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.6548% | 4,086 |
| Return on assets (ROA) | 0.8765% | 3,265 |
| Pretax return on assets | 0.9232% | 3,989 |
| Return on Equity (ROE) | 7.8690% | 3,312 |
| Retained earnings to average equity (ytd only) | 3.2594% | 4,445 |
| Net charge-offs to loans | -0.3272% | 7,081 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0611% | 4,310 |
| Assets per employee ($millions) | 4.3998% | 3,091 |
| Cash dividends to net income (ytd only)* | 58.5799% | 1,418 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5709% | 3,702 |
| Loan loss allowance to noncurrent loans | 329.1667% | 1,088 |
| Noncurrent assets plus other real estate owned to assets | 0.1919% | 6,308 |
| Noncurrent loans to loans | 0.4772% | 5,575 |
| Net loans and leases to total assets | 25.0013% | 7,008 |
| Net loans and leases to deposits | 28.2671% | 7,038 |
| Net loans and leases to core deposits | 29.2527% | 7,036 |
| Total domestic deposits to total assets | 88.4464% | 1,856 |
| Equity capital to assets | 11.2733% | 2,826 |
| Core capital (leverage) ratio | 8.8670% | 5,097 |
| Tier 1 risk-based capital ratio | 19.8055% | 1,754 |
| Total risk-based capital ratio | 20.7092% | 1,831 |
| Memoranda: | ||
| Average total assets | $38,562,670 | 6,670 |
| Average earning assets | $36,218,330 | 6,616 |
| Average equity | $4,295,330 | 6,601 |
| Average total loans | $10,390,330 | 6,984 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9485% | 7,060 |
| Cost of funding earning assets | 0.5381% | 5,562 |
| Net interest margin | 2.4104% | 7,006 |
| Noninterest income to average assets | 0.3470% | 5,084 |
| Noninterest expense to average assets | 1.9766% | 6,511 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.5961% | 4,356 |
| Return on assets (ROA) | 1.0409% | 2,511 |
| Pretax return on assets | 1.1040% | 3,310 |
| Return on Equity (ROE) | 9.4039% | 2,636 |
| Retained earnings to average equity (ytd only) | 6.1743% | 2,852 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9516% | 3,983 |
| Assets per employee ($millions) | 4.3520% | 3,300 |
| Cash dividends to net income (ytd only)* | 34.3434% | 1,948 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3239% | 4,914 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0715% | 6,706 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 26.8306% | 7,009 |
| Net loans and leases to deposits | 30.2052% | 7,052 |
| Net loans and leases to core deposits | 31.4961% | 7,052 |
| Total domestic deposits to total assets | 88.8276% | 1,799 |
| Equity capital to assets | 10.9324% | 2,991 |
| Core capital (leverage) ratio | 9.1706% | 4,570 |
| Tier 1 risk-based capital ratio | 20.3044% | 1,638 |
| Total risk-based capital ratio | 21.1361% | 1,709 |
| Memoranda: | ||
| Average total assets | $38,045,000 | 6,734 |
| Average earning assets | $35,679,000 | 6,683 |
| Average equity | $4,211,000 | 6,660 |
| Average total loans | $10,556,500 | 7,041 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2987% | 7,093 |
| Cost of funding earning assets | 0.6580% | 5,780 |
| Net interest margin | 2.6407% | 6,978 |
| Noninterest income to average assets | 0.3359% | 5,129 |
| Noninterest expense to average assets | 2.0844% | 6,521 |
| Loan and lease loss provision to assets | 0.4984% | 2,115 |
| Net operating income to assets | 0.2285% | 5,495 |
| Return on assets (ROA) | 0.7517% | 3,422 |
| Pretax return on assets | 0.7903% | 4,014 |
| Return on Equity (ROE) | 6.7752% | 3,502 |
| Retained earnings to average equity (ytd only) | 2.2336% | 4,622 |
| Net charge-offs to loans | 1.8531% | 785 |
| Credit loss provision to net charge-offs | 88.2927% | 4,088 |
| Earnings coverage of net charge-offs (x) | 1.3073% | 4,798 |
| Efficiency ratio | 67.3171% | 4,510 |
| Assets per employee ($millions) | 4.1024% | 3,639 |
| Cash dividends to net income (ytd only)* | 67.0330% | 1,267 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3476% | 4,679 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0758% | 6,759 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 27.9562% | 7,060 |
| Net loans and leases to deposits | 31.8148% | 7,096 |
| Net loans and leases to core deposits | 33.0093% | 7,096 |
| Total domestic deposits to total assets | 87.8717% | 2,238 |
| Equity capital to assets | 11.2128% | 2,778 |
| Core capital (leverage) ratio | 9.1596% | 4,533 |
| Tier 1 risk-based capital ratio | 19.5896% | 1,733 |
| Total risk-based capital ratio | 20.4116% | 1,819 |
| Memoranda: | ||
| Average total assets | $36,317,400 | 6,786 |
| Average earning assets | $34,195,400 | 6,746 |
| Average equity | $4,029,400 | 6,743 |
| Average total loans | $11,062,600 | 7,076 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3815% | 7,144 |
| Cost of funding earning assets | 0.6810% | 5,872 |
| Net interest margin | 2.7005% | 6,991 |
| Noninterest income to average assets | 0.3355% | 5,174 |
| Noninterest expense to average assets | 2.1714% | 6,339 |
| Loan and lease loss provision to assets | 0.4276% | 2,334 |
| Net operating income to assets | 0.2673% | 5,522 |
| Return on assets (ROA) | 0.7226% | 3,675 |
| Pretax return on assets | 0.7594% | 4,282 |
| Return on Equity (ROE) | 6.5304% | 3,752 |
| Retained earnings to average equity (ytd only) | 3.1986% | 4,428 |
| Net charge-offs to loans | 1.4864% | 979 |
| Credit loss provision to net charge-offs | 92.8000% | 3,675 |
| Earnings coverage of net charge-offs (x) | 1.5360% | 4,486 |
| Efficiency ratio | 69.0141% | 4,125 |
| Assets per employee ($millions) | 4.1253% | 3,591 |
| Cash dividends to net income (ytd only)* | 51.0198% | 1,540 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3837% | 4,628 |
| Loan loss allowance to noncurrent loans | 192.5926% | 1,599 |
| Noncurrent assets plus other real estate owned to assets | 0.2936% | 6,324 |
| Noncurrent loans to loans | 0.7185% | 5,442 |
| Net loans and leases to total assets | 29.9451% | 7,090 |
| Net loans and leases to deposits | 34.2831% | 7,122 |
| Net loans and leases to core deposits | 35.5628% | 7,131 |
| Total domestic deposits to total assets | 87.3465% | 2,444 |
| Equity capital to assets | 11.9021% | 2,330 |
| Core capital (leverage) ratio | 9.1533% | 4,705 |
| Tier 1 risk-based capital ratio | 19.5884% | 1,786 |
| Total risk-based capital ratio | 20.5005% | 1,836 |
| Memoranda: | ||
| Average total assets | $36,166,250 | 6,850 |
| Average earning assets | $34,066,750 | 6,814 |
| Average equity | $4,001,750 | 6,802 |
| Average total loans | $11,212,500 | 7,139 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4190% | 7,203 |
| Cost of funding earning assets | 0.7051% | 5,928 |
| Net interest margin | 2.7139% | 7,016 |
| Noninterest income to average assets | 0.3515% | 5,079 |
| Noninterest expense to average assets | 2.2039% | 6,375 |
| Loan and lease loss provision to assets | 0.6472% | 1,484 |
| Net operating income to assets | 0.0541% | 6,110 |
| Return on assets (ROA) | 0.5524% | 4,432 |
| Pretax return on assets | 0.5803% | 4,807 |
| Return on Equity (ROE) | 5.1260% | 4,392 |
| Retained earnings to average equity (ytd only) | 2.2264% | 4,876 |
| Net charge-offs to loans | 0.6969% | 2,110 |
| Credit loss provision to net charge-offs | 297.4359% | 1,031 |
| Earnings coverage of net charge-offs (x) | 3.2308% | 3,257 |
| Efficiency ratio | 69.2898% | 4,265 |
| Assets per employee ($millions) | 4.0727% | 3,603 |
| Cash dividends to net income (ytd only)* | 56.5657% | 1,464 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2818% | 1,777 |
| Loan loss allowance to noncurrent loans | 144.3114% | 2,047 |
| Noncurrent assets plus other real estate owned to assets | 0.5320% | 5,853 |
| Noncurrent loans to loans | 1.5811% | 4,026 |
| Net loans and leases to total assets | 28.1579% | 7,235 |
| Net loans and leases to deposits | 31.8382% | 7,273 |
| Net loans and leases to core deposits | 33.0240% | 7,277 |
| Total domestic deposits to total assets | 88.4406% | 1,891 |
| Equity capital to assets | 11.3248% | 2,662 |
| Core capital (leverage) ratio | 8.6644% | 5,277 |
| Tier 1 risk-based capital ratio | 20.8519% | 1,450 |
| Total risk-based capital ratio | 22.1043% | 1,424 |
| Memoranda: | ||
| Average total assets | $35,845,670 | 6,922 |
| Average earning assets | $33,752,670 | 6,880 |
| Average equity | $3,862,670 | 6,884 |
| Average total loans | $11,192,000 | 7,209 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4450% | 7,241 |
| Cost of funding earning assets | 0.7442% | 5,899 |
| Net interest margin | 2.7008% | 7,019 |
| Noninterest income to average assets | 0.4289% | 4,463 |
| Noninterest expense to average assets | 2.2121% | 6,396 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.7223% | 3,419 |
| Return on assets (ROA) | 0.7223% | 3,484 |
| Pretax return on assets | 0.7562% | 4,073 |
| Return on Equity (ROE) | 6.8845% | 3,443 |
| Retained earnings to average equity (ytd only) | 4.9482% | 3,226 |
| Net charge-offs to loans | 0.3476% | 2,674 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 6.7000% | 2,061 |
| Efficiency ratio | 68.0608% | 4,643 |
| Assets per employee ($millions) | 4.0431% | 3,751 |
| Cash dividends to net income (ytd only)* | 28.1250% | 2,044 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4443% | 4,463 |
| Loan loss allowance to noncurrent loans | 69.5067% | 3,948 |
| Noncurrent assets plus other real estate owned to assets | 0.6898% | 5,565 |
| Noncurrent loans to loans | 2.0779% | 3,474 |
| Net loans and leases to total assets | 29.0673% | 7,261 |
| Net loans and leases to deposits | 32.5266% | 7,308 |
| Net loans and leases to core deposits | 33.4588% | 7,315 |
| Total domestic deposits to total assets | 89.3646% | 1,554 |
| Equity capital to assets | 10.3935% | 3,291 |
| Core capital (leverage) ratio | 9.2294% | 4,244 |
| Tier 1 risk-based capital ratio | 20.5177% | 1,473 |
| Total risk-based capital ratio | 21.4914% | 1,505 |
| Memoranda: | ||
| Average total assets | $35,441,500 | 6,988 |
| Average earning assets | $33,323,500 | 6,946 |
| Average equity | $3,718,500 | 6,953 |
| Average total loans | $11,507,000 | 7,249 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8002% | 7,252 |
| Cost of funding earning assets | 0.9042% | 6,159 |
| Net interest margin | 2.8960% | 6,900 |
| Noninterest income to average assets | 0.3370% | 5,374 |
| Noninterest expense to average assets | 2.3476% | 6,223 |
| Loan and lease loss provision to assets | 0.4512% | 3,419 |
| Net operating income to assets | 0.2343% | 5,162 |
| Return on assets (ROA) | 0.8339% | 2,797 |
| Pretax return on assets | 0.8768% | 3,387 |
| Return on Equity (ROE) | 7.4127% | 2,929 |
| Retained earnings to average equity (ytd only) | 0.5585% | 5,299 |
| Net charge-offs to loans | 1.7844% | 1,186 |
| Credit loss provision to net charge-offs | 63.2000% | 6,025 |
| Earnings coverage of net charge-offs (x) | 0.9760% | 5,131 |
| Efficiency ratio | 70.8255% | 4,012 |
| Assets per employee ($millions) | 3.8328% | 4,171 |
| Cash dividends to net income (ytd only)* | 92.4658% | 515 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3434% | 4,791 |
| Loan loss allowance to noncurrent loans | 80.0971% | 3,530 |
| Noncurrent assets plus other real estate owned to assets | 0.6784% | 5,645 |
| Noncurrent loans to loans | 1.6773% | 3,984 |
| Net loans and leases to total assets | 35.1268% | 7,193 |
| Net loans and leases to deposits | 39.6291% | 7,263 |
| Net loans and leases to core deposits | 40.8365% | 7,287 |
| Total domestic deposits to total assets | 88.6389% | 1,868 |
| Equity capital to assets | 10.5957% | 3,068 |
| Core capital (leverage) ratio | 9.3116% | 3,990 |
| Tier 1 risk-based capital ratio | 18.9875% | 1,727 |
| Total risk-based capital ratio | 19.9656% | 1,754 |
| Memoranda: | ||
| Average total assets | $35,014,200 | 7,045 |
| Average earning assets | $32,734,800 | 6,991 |
| Average equity | $3,939,200 | 7,019 |
| Average total loans | $14,010,400 | 7,207 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8591% | 7,371 |
| Cost of funding earning assets | 0.9221% | 6,298 |
| Net interest margin | 2.9370% | 6,950 |
| Noninterest income to average assets | 0.3415% | 5,438 |
| Noninterest expense to average assets | 2.3104% | 6,291 |
| Loan and lease loss provision to assets | 0.5994% | 2,546 |
| Net operating income to assets | 0.1648% | 5,605 |
| Return on assets (ROA) | 0.8460% | 2,954 |
| Pretax return on assets | 0.8916% | 3,585 |
| Return on Equity (ROE) | 7.4143% | 3,145 |
| Retained earnings to average equity (ytd only) | 1.0306% | 5,400 |
| Net charge-offs to loans | 2.2341% | 799 |
| Credit loss provision to net charge-offs | 65.2893% | 5,554 |
| Earnings coverage of net charge-offs (x) | 0.8430% | 5,207 |
| Efficiency ratio | 68.7577% | 4,319 |
| Assets per employee ($millions) | 3.8646% | 4,106 |
| Cash dividends to net income (ytd only)* | 86.0963% | 514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3062% | 4,932 |
| Loan loss allowance to noncurrent loans | 75.2174% | 3,572 |
| Noncurrent assets plus other real estate owned to assets | 0.7418% | 5,618 |
| Noncurrent loans to loans | 1.7365% | 4,040 |
| Net loans and leases to total assets | 37.5837% | 7,200 |
| Net loans and leases to deposits | 42.8253% | 7,278 |
| Net loans and leases to core deposits | 44.1219% | 7,316 |
| Total domestic deposits to total assets | 87.7606% | 2,121 |
| Equity capital to assets | 11.9491% | 2,188 |
| Core capital (leverage) ratio | 9.3010% | 4,209 |
| Tier 1 risk-based capital ratio | 18.6417% | 1,834 |
| Total risk-based capital ratio | 19.6511% | 1,861 |
| Memoranda: | ||
| Average total assets | $35,144,000 | 7,122 |
| Average earning assets | $32,822,250 | 7,074 |
| Average equity | $4,010,250 | 7,088 |
| Average total loans | $14,442,500 | 7,285 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8580% | 7,457 |
| Cost of funding earning assets | 0.9433% | 6,411 |
| Net interest margin | 2.9147% | 6,987 |
| Noninterest income to average assets | 0.3743% | 5,133 |
| Noninterest expense to average assets | 2.3820% | 6,112 |
| Loan and lease loss provision to assets | 0.2269% | 4,635 |
| Net operating income to assets | 0.4733% | 4,446 |
| Return on assets (ROA) | 0.8450% | 2,907 |
| Pretax return on assets | 0.8904% | 3,535 |
| Return on Equity (ROE) | 7.5221% | 3,103 |
| Retained earnings to average equity (ytd only) | 0.4039% | 5,604 |
| Net charge-offs to loans | 0.5390% | 2,910 |
| Credit loss provision to net charge-offs | 100.0000% | 4,062 |
| Earnings coverage of net charge-offs (x) | 3.2000% | 3,410 |
| Efficiency ratio | 70.4380% | 4,102 |
| Assets per employee ($millions) | 3.8654% | 4,063 |
| Cash dividends to net income (ytd only)* | 94.6309% | 524 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8218% | 2,663 |
| Loan loss allowance to noncurrent loans | 59.4907% | 4,373 |
| Noncurrent assets plus other real estate owned to assets | 1.3223% | 4,507 |
| Noncurrent loans to loans | 3.0623% | 2,626 |
| Net loans and leases to total assets | 39.8114% | 7,174 |
| Net loans and leases to deposits | 45.7307% | 7,261 |
| Net loans and leases to core deposits | 46.2360% | 7,342 |
| Total domestic deposits to total assets | 87.0563% | 2,501 |
| Equity capital to assets | 11.5295% | 2,417 |
| Core capital (leverage) ratio | 9.1291% | 4,411 |
| Tier 1 risk-based capital ratio | 16.9523% | 2,297 |
| Total risk-based capital ratio | 18.2043% | 2,252 |
| Memoranda: | ||
| Average total assets | $35,265,000 | 7,169 |
| Average earning assets | $33,074,000 | 7,108 |
| Average equity | $3,961,670 | 7,137 |
| Average total loans | $14,841,670 | 7,321 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8636% | 7,545 |
| Cost of funding earning assets | 0.9839% | 6,444 |
| Net interest margin | 2.8797% | 7,051 |
| Noninterest income to average assets | 0.3718% | 5,170 |
| Noninterest expense to average assets | 2.3435% | 6,271 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.6985% | 3,446 |
| Return on assets (ROA) | 1.1267% | 1,825 |
| Pretax return on assets | 1.1830% | 2,425 |
| Return on Equity (ROE) | 10.1600% | 2,045 |
| Retained earnings to average equity (ytd only) | 3.5560% | 4,018 |
| Net charge-offs to loans | -0.6312% | 7,820 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9634% | 4,306 |
| Assets per employee ($millions) | 3.8648% | 4,174 |
| Cash dividends to net income (ytd only)* | 65.0000% | 1,138 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9282% | 2,366 |
| Loan loss allowance to noncurrent loans | 40.8430% | 5,634 |
| Noncurrent assets plus other real estate owned to assets | 2.0585% | 3,434 |
| Noncurrent loans to loans | 4.7211% | 1,563 |
| Net loans and leases to total assets | 41.0890% | 7,171 |
| Net loans and leases to deposits | 46.5856% | 7,303 |
| Net loans and leases to core deposits | 46.5856% | 7,411 |
| Total domestic deposits to total assets | 88.2011% | 1,946 |
| Equity capital to assets | 11.4826% | 2,377 |
| Core capital (leverage) ratio | 9.0888% | 4,398 |
| Tier 1 risk-based capital ratio | 16.7958% | 2,345 |
| Total risk-based capital ratio | 18.0477% | 2,296 |
| Memoranda: | ||
| Average total assets | $35,503,000 | 7,249 |
| Average earning assets | $33,336,500 | 7,190 |
| Average equity | $3,937,000 | 7,208 |
| Average total loans | $15,209,000 | 7,394 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7415% | 7,072 |
| Cost of funding earning assets | 1.2567% | 6,452 |
| Net interest margin | 3.4848% | 5,022 |
| Noninterest income to average assets | 0.3578% | 5,534 |
| Noninterest expense to average assets | 2.2955% | 6,760 |
| Loan and lease loss provision to assets | 1.1835% | 1,948 |
| Net operating income to assets | 0.1302% | 5,112 |
| Return on assets (ROA) | 0.8257% | 2,518 |
| Pretax return on assets | 0.8698% | 3,018 |
| Return on Equity (ROE) | 7.3826% | 2,626 |
| Retained earnings to average equity (ytd only) | 0.1969% | 4,794 |
| Net charge-offs to loans | 2.1875% | 1,095 |
| Credit loss provision to net charge-offs | 121.4689% | 4,379 |
| Earnings coverage of net charge-offs (x) | 1.3559% | 4,774 |
| Efficiency ratio | 58.3714% | 6,709 |
| Assets per employee ($millions) | 4.0248% | 3,768 |
| Cash dividends to net income (ytd only)* | 97.3333% | 695 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6220% | 3,188 |
| Loan loss allowance to noncurrent loans | 26.6046% | 6,703 |
| Noncurrent assets plus other real estate owned to assets | 2.7441% | 2,547 |
| Noncurrent loans to loans | 6.0966% | 1,024 |
| Net loans and leases to total assets | 43.0334% | 7,178 |
| Net loans and leases to deposits | 50.4973% | 7,234 |
| Net loans and leases to core deposits | 56.2805% | 7,395 |
| Total domestic deposits to total assets | 85.2193% | 3,448 |
| Equity capital to assets | 10.7114% | 2,956 |
| Core capital (leverage) ratio | 8.8229% | 4,731 |
| Tier 1 risk-based capital ratio | 15.5728% | 2,684 |
| Total risk-based capital ratio | 16.8234% | 2,634 |
| Memoranda: | ||
| Average total assets | $36,331,400 | 7,231 |
| Average earning assets | $33,976,600 | 7,184 |
| Average equity | $4,063,600 | 7,262 |
| Average total loans | $16,183,000 | 7,395 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2443% | 7,698 |
| Cost of funding earning assets | 1.3325% | 6,458 |
| Net interest margin | 2.9118% | 6,830 |
| Noninterest income to average assets | 0.3741% | 5,524 |
| Noninterest expense to average assets | 2.2076% | 6,952 |
| Loan and lease loss provision to assets | 1.1478% | 1,694 |
| Net operating income to assets | -0.2437% | 6,134 |
| Return on assets (ROA) | 0.4217% | 4,418 |
| Pretax return on assets | 0.4437% | 4,679 |
| Return on Equity (ROE) | 3.7311% | 4,483 |
| Retained earnings to average equity (ytd only) | -1.7520% | 5,670 |
| Net charge-offs to loans | 2.1556% | 898 |
| Credit loss provision to net charge-offs | 119.0114% | 4,260 |
| Earnings coverage of net charge-offs (x) | 0.9239% | 5,134 |
| Efficiency ratio | 65.3254% | 5,493 |
| Assets per employee ($millions) | 3.9640% | 3,798 |
| Cash dividends to net income (ytd only)* | 146.9575% | 290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4436% | 3,717 |
| Loan loss allowance to noncurrent loans | 21.5284% | 7,007 |
| Noncurrent assets plus other real estate owned to assets | 3.0076% | 2,307 |
| Noncurrent loans to loans | 6.7054% | 842 |
| Net loans and leases to total assets | 44.2062% | 7,233 |
| Net loans and leases to deposits | 50.1271% | 7,405 |
| Net loans and leases to core deposits | 55.7004% | 7,553 |
| Total domestic deposits to total assets | 88.1881% | 1,572 |
| Equity capital to assets | 11.4811% | 2,600 |
| Core capital (leverage) ratio | 8.5726% | 5,344 |
| Tier 1 risk-based capital ratio | 15.5894% | 2,773 |
| Total risk-based capital ratio | 16.7763% | 2,752 |
| Memoranda: | ||
| Average total assets | $36,358,500 | 7,298 |
| Average earning assets | $34,021,000 | 7,248 |
| Average equity | $4,109,500 | 7,319 |
| Average total loans | $16,267,500 | 7,458 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4682% | 7,649 |
| Cost of funding earning assets | 1.3824% | 6,545 |
| Net interest margin | 3.0857% | 6,292 |
| Noninterest income to average assets | 0.3608% | 5,628 |
| Noninterest expense to average assets | 2.1429% | 7,186 |
| Loan and lease loss provision to assets | 1.7110% | 980 |
| Net operating income to assets | -0.6615% | 6,719 |
| Return on assets (ROA) | -0.6615% | 6,726 |
| Pretax return on assets | -0.6013% | 6,525 |
| Return on Equity (ROE) | -5.8824% | 6,698 |
| Retained earnings to average equity (ytd only) | -13.1259% | 7,122 |
| Net charge-offs to loans | 3.2159% | 497 |
| Credit loss provision to net charge-offs | 119.0114% | 3,905 |
| Earnings coverage of net charge-offs (x) | 0.7719% | 4,956 |
| Efficiency ratio | 60.1681% | 6,522 |
| Assets per employee ($millions) | 3.5734% | 4,635 |
| Cash dividends to net income (ytd only)* | -123.1405% | 8,093 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4517% | 3,452 |
| Loan loss allowance to noncurrent loans | 22.5243% | 6,985 |
| Noncurrent assets plus other real estate owned to assets | 2.8824% | 2,219 |
| Noncurrent loans to loans | 6.4452% | 825 |
| Net loans and leases to total assets | 44.0729% | 7,321 |
| Net loans and leases to deposits | 49.6861% | 7,498 |
| Net loans and leases to core deposits | 55.8158% | 7,603 |
| Total domestic deposits to total assets | 88.7026% | 1,432 |
| Equity capital to assets | 10.9252% | 2,994 |
| Core capital (leverage) ratio | 7.8066% | 6,606 |
| Tier 1 risk-based capital ratio | 12.9634% | 4,173 |
| Total risk-based capital ratio | 14.0371% | 4,209 |
| Memoranda: | ||
| Average total assets | $36,586,000 | 7,359 |
| Average earning assets | $34,287,000 | 7,302 |
| Average equity | $4,114,000 | 7,375 |
| Average total loans | $16,356,000 | 7,519 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5604% | 7,659 |
| Cost of funding earning assets | 1.4353% | 6,620 |
| Net interest margin | 3.1252% | 6,122 |
| Noninterest income to average assets | 0.2270% | 6,644 |
| Noninterest expense to average assets | 1.9777% | 7,404 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.1132% | 1,914 |
| Return on assets (ROA) | 1.1132% | 2,038 |
| Pretax return on assets | 1.1672% | 2,737 |
| Return on Equity (ROE) | 9.7653% | 2,421 |
| Retained earnings to average equity (ytd only) | 2.7495% | 4,346 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.0447% | 6,815 |
| Assets per employee ($millions) | 3.6995% | 4,344 |
| Cash dividends to net income (ytd only)* | 71.8447% | 1,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0605% | 5,746 |
| Loan loss allowance to noncurrent loans | 26.3848% | 6,815 |
| Noncurrent assets plus other real estate owned to assets | 1.8543% | 3,139 |
| Noncurrent loans to loans | 4.0195% | 1,495 |
| Net loans and leases to total assets | 45.6440% | 7,217 |
| Net loans and leases to deposits | 52.5291% | 7,364 |
| Net loans and leases to core deposits | 58.9657% | 7,496 |
| Total domestic deposits to total assets | 86.8928% | 2,270 |
| Equity capital to assets | 11.3286% | 2,702 |
| Core capital (leverage) ratio | 8.4877% | 5,565 |
| Tier 1 risk-based capital ratio | 13.6434% | 3,773 |
| Total risk-based capital ratio | 14.4444% | 3,974 |
| Memoranda: | ||
| Average total assets | $37,012,000 | 7,380 |
| Average earning assets | $34,558,000 | 7,327 |
| Average equity | $4,219,000 | 7,377 |
| Average total loans | $16,543,500 | 7,556 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1633% | 7,710 |
| Cost of funding earning assets | 1.9760% | 6,491 |
| Net interest margin | 3.1873% | 6,400 |
| Noninterest income to average assets | 0.2778% | 6,472 |
| Noninterest expense to average assets | 2.0921% | 7,255 |
| Loan and lease loss provision to assets | 0.0333% | 6,989 |
| Net operating income to assets | 1.0534% | 2,337 |
| Return on assets (ROA) | 1.0085% | 2,403 |
| Pretax return on assets | 1.0586% | 3,189 |
| Return on Equity (ROE) | 8.8810% | 2,682 |
| Retained earnings to average equity (ytd only) | 1.0520% | 4,594 |
| Net charge-offs to loans | -0.0943% | 8,084 |
| Credit loss provision to net charge-offs | -80.0000% | 7,306 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.9854% | 6,528 |
| Assets per employee ($millions) | 3.7029% | 4,173 |
| Cash dividends to net income (ytd only)* | 88.1543% | 1,366 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1298% | 5,065 |
| Loan loss allowance to noncurrent loans | 30.1667% | 6,700 |
| Noncurrent assets plus other real estate owned to assets | 1.6204% | 3,006 |
| Noncurrent loans to loans | 3.7453% | 1,337 |
| Net loans and leases to total assets | 42.7746% | 7,544 |
| Net loans and leases to deposits | 48.5635% | 7,687 |
| Net loans and leases to core deposits | 54.0083% | 7,803 |
| Total domestic deposits to total assets | 88.0796% | 1,436 |
| Equity capital to assets | 11.4694% | 2,655 |
| Core capital (leverage) ratio | 8.5277% | 5,523 |
| Tier 1 risk-based capital ratio | 15.1363% | 2,983 |
| Total risk-based capital ratio | 16.0381% | 3,076 |
| Memoranda: | ||
| Average total assets | $35,992,600 | 7,385 |
| Average earning assets | $33,351,000 | 7,357 |
| Average equity | $4,087,400 | 7,482 |
| Average total loans | $15,905,000 | 7,597 |